Home > Greenville National Bank > Performance and Condition Ratios
Greenville National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 2,836 |
| Cost of funding earning assets | 0.5598% | 4,129 |
| Net interest margin | 4.0673% | 1,109 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.1248% | 3,337 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6831% | 758 |
| Return on assets (ROA) | 1.6831% | 730 |
| Pretax return on assets | 2.0911% | 580 |
| Return on Equity (ROE) | 17.0700% | 938 |
| Retained earnings to average equity (ytd only) | 10.8687% | 823 |
| Net charge-offs to loans | -0.0112% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.8525% | 3,993 |
| Assets per employee ($millions) | 5.4802% | 3,270 |
| Cash dividends to net income (ytd only)* | 36.3108% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,569 |
| Loan loss allowance to noncurrent loans | 370.6282% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 2,192 |
| Noncurrent loans to loans | 0.3094% | 2,080 |
| Net loans and leases to total assets | 66.0400% | 2,251 |
| Net loans and leases to deposits | 76.0728% | 2,447 |
| Net loans and leases to core deposits | 80.0279% | 2,702 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 10.4396% | 1,756 |
| Core capital (leverage) ratio | 11.8818% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $572,703,600 | 1,542 |
| Average earning assets | $536,821,600 | 1,531 |
| Average equity | $56,483,400 | 1,457 |
| Average total loans | $356,279,600 | 1,588 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,806 |
| Cost of funding earning assets | 0.4683% | 4,178 |
| Net interest margin | 4.0782% | 1,098 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.1418% | 3,232 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.6416% | 876 |
| Return on assets (ROA) | 1.6416% | 868 |
| Pretax return on assets | 2.0528% | 709 |
| Return on Equity (ROE) | 16.8900% | 1,093 |
| Retained earnings to average equity (ytd only) | 16.8908% | 398 |
| Net charge-offs to loans | -0.0225% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.7018% | 3,860 |
| Assets per employee ($millions) | 5.6676% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 2,576 |
| Loan loss allowance to noncurrent loans | 335.0946% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,146 |
| Noncurrent loans to loans | 0.3460% | 1,987 |
| Net loans and leases to total assets | 63.9100% | 2,458 |
| Net loans and leases to deposits | 74.1714% | 2,547 |
| Net loans and leases to core deposits | 77.3166% | 2,777 |
| Total domestic deposits to total assets | 86.1600% | 2,147 |
| Equity capital to assets | 10.1954% | 1,710 |
| Core capital (leverage) ratio | 12.0157% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $573,393,250 | 1,542 |
| Average earning assets | $537,865,500 | 1,531 |
| Average equity | $55,729,250 | 1,460 |
| Average total loans | $350,155,750 | 1,612 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,751 |
| Cost of funding earning assets | 0.3935% | 4,176 |
| Net interest margin | 4.0628% | 1,141 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1171% | 3,302 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.6525% | 868 |
| Return on assets (ROA) | 1.6525% | 869 |
| Pretax return on assets | 2.0670% | 669 |
| Return on Equity (ROE) | 17.2800% | 1,048 |
| Retained earnings to average equity (ytd only) | 17.2805% | 381 |
| Net charge-offs to loans | -0.0087% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.5308% | 3,879 |
| Assets per employee ($millions) | 6.1509% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,608 |
| Loan loss allowance to noncurrent loans | 304.3123% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,001 |
| Noncurrent loans to loans | 0.3837% | 1,775 |
| Net loans and leases to total assets | 61.2100% | 2,649 |
| Net loans and leases to deposits | 70.7280% | 2,730 |
| Net loans and leases to core deposits | 73.1044% | 2,953 |
| Total domestic deposits to total assets | 86.5500% | 2,079 |
| Equity capital to assets | 10.0361% | 1,834 |
| Core capital (leverage) ratio | 11.4828% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $575,605,333 | 1,543 |
| Average earning assets | $540,814,000 | 1,525 |
| Average equity | $55,044,667 | 1,479 |
| Average total loans | $344,728,667 | 1,618 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,572 |
| Cost of funding earning assets | 0.3296% | 4,127 |
| Net interest margin | 4.0610% | 1,160 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.1031% | 3,373 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6580% | 889 |
| Return on assets (ROA) | 1.6580% | 888 |
| Pretax return on assets | 2.0735% | 685 |
| Return on Equity (ROE) | 17.7700% | 1,055 |
| Retained earnings to average equity (ytd only) | 17.7661% | 530 |
| Net charge-offs to loans | -0.0187% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.2552% | 3,912 |
| Assets per employee ($millions) | 5.8238% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,426 |
| Loan loss allowance to noncurrent loans | 302.2367% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 1,926 |
| Noncurrent loans to loans | 0.4051% | 1,717 |
| Net loans and leases to total assets | 58.0300% | 2,867 |
| Net loans and leases to deposits | 67.0062% | 2,849 |
| Net loans and leases to core deposits | 68.8504% | 3,032 |
| Total domestic deposits to total assets | 86.6100% | 2,408 |
| Equity capital to assets | 9.5251% | 2,122 |
| Core capital (leverage) ratio | 11.0158% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $580,465,000 | 1,549 |
| Average earning assets | $544,984,500 | 1,530 |
| Average equity | $54,170,500 | 1,509 |
| Average total loans | $341,843,500 | 1,645 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 3,831 |
| Cost of funding earning assets | 0.2492% | 3,327 |
| Net interest margin | 2.9405% | 3,591 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.9794% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1471% | 1,984 |
| Return on assets (ROA) | 1.1471% | 1,925 |
| Pretax return on assets | 1.3937% | 1,784 |
| Return on Equity (ROE) | 12.6600% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.1217% | 2,190 |
| Net charge-offs to loans | 0.0888% | 788 |
| Credit loss provision to net charge-offs | 3.1250% | 1,974 |
| Earnings coverage of net charge-offs (x) | 28.9583% | 1,704 |
| Efficiency ratio | 58.6556% | 3,240 |
| Assets per employee ($millions) | 5.9645% | 2,798 |
| Cash dividends to net income (ytd only)* | 43.7509% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,308 |
| Loan loss allowance to noncurrent loans | 105.1023% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 710 |
| Noncurrent loans to loans | 1.1592% | 607 |
| Net loans and leases to total assets | 58.3100% | 2,792 |
| Net loans and leases to deposits | 66.8092% | 2,836 |
| Net loans and leases to core deposits | 68.5784% | 2,973 |
| Total domestic deposits to total assets | 87.2800% | 2,297 |
| Equity capital to assets | 9.1381% | 2,274 |
| Core capital (leverage) ratio | 10.2014% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $597,769,200 | 1,490 |
| Average earning assets | $565,864,800 | 1,465 |
| Average equity | $54,158,600 | 1,519 |
| Average total loans | $324,465,200 | 1,624 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8983% | 4,061 |
| Cost of funding earning assets | 0.2459% | 2,750 |
| Net interest margin | 2.6524% | 4,022 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.9607% | 3,589 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0046% | 2,465 |
| Return on assets (ROA) | 1.0046% | 2,434 |
| Pretax return on assets | 1.2019% | 2,356 |
| Return on Equity (ROE) | 11.1100% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1106% | 1,024 |
| Net charge-offs to loans | 0.0849% | 706 |
| Credit loss provision to net charge-offs | 17.6471% | 1,636 |
| Earnings coverage of net charge-offs (x) | 26.8039% | 1,576 |
| Efficiency ratio | 61.8396% | 2,849 |
| Assets per employee ($millions) | 6.0464% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,116 |
| Loan loss allowance to noncurrent loans | 89.4285% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 640 |
| Noncurrent loans to loans | 1.4342% | 496 |
| Net loans and leases to total assets | 53.8400% | 3,119 |
| Net loans and leases to deposits | 61.5470% | 3,062 |
| Net loans and leases to core deposits | 63.2303% | 3,172 |
| Total domestic deposits to total assets | 87.4800% | 2,602 |
| Equity capital to assets | 8.7197% | 2,394 |
| Core capital (leverage) ratio | 10.0840% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $602,573,000 | 1,483 |
| Average earning assets | $570,986,750 | 1,453 |
| Average equity | $54,481,000 | 1,523 |
| Average total loans | $320,200,500 | 1,637 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6973% | 4,146 |
| Cost of funding earning assets | 0.2496% | 2,276 |
| Net interest margin | 2.4476% | 4,163 |
| Noninterest income to average assets | 0.5178% | 2,097 |
| Noninterest expense to average assets | 1.9708% | 3,510 |
| Loan and lease loss provision to assets | 0.0080% | 2,448 |
| Net operating income to assets | 0.7218% | 3,235 |
| Return on assets (ROA) | 0.7218% | 3,185 |
| Pretax return on assets | 0.8599% | 3,171 |
| Return on Equity (ROE) | 7.8883% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.8883% | 1,662 |
| Net charge-offs to loans | 0.1323% | 482 |
| Credit loss provision to net charge-offs | 11.4833% | 1,627 |
| Earnings coverage of net charge-offs (x) | 12.4545% | 1,708 |
| Efficiency ratio | 69.4268% | 2,042 |
| Assets per employee ($millions) | 6.0807% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,131 |
| Loan loss allowance to noncurrent loans | 83.8920% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 615 |
| Noncurrent loans to loans | 1.5641% | 471 |
| Net loans and leases to total assets | 53.1611% | 3,047 |
| Net loans and leases to deposits | 60.7448% | 2,996 |
| Net loans and leases to core deposits | 62.4990% | 3,074 |
| Total domestic deposits to total assets | 87.5155% | 2,758 |
| Equity capital to assets | 8.7383% | 2,584 |
| Core capital (leverage) ratio | 9.6860% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $599,869,667 | 1,493 |
| Average earning assets | $568,798,000 | 1,473 |
| Average equity | $54,891,333 | 1,551 |
| Average total loans | $315,906,667 | 1,647 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5771% | 4,164 |
| Cost of funding earning assets | 0.2530% | 2,123 |
| Net interest margin | 2.3241% | 4,198 |
| Noninterest income to average assets | 0.5645% | 1,849 |
| Noninterest expense to average assets | 1.8417% | 3,834 |
| Loan and lease loss provision to assets | 0.0080% | 2,171 |
| Net operating income to assets | 0.7715% | 2,765 |
| Return on assets (ROA) | 0.7715% | 2,757 |
| Pretax return on assets | 0.9178% | 2,710 |
| Return on Equity (ROE) | 8.2448% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.2448% | 1,504 |
| Net charge-offs to loans | -0.0167% | 3,822 |
| Credit loss provision to net charge-offs | -92.3077% | 2,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5460% | 2,698 |
| Assets per employee ($millions) | 6.4039% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,771 |
| Loan loss allowance to noncurrent loans | 116.0946% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 946 |
| Noncurrent loans to loans | 1.2382% | 709 |
| Net loans and leases to total assets | 50.3227% | 3,138 |
| Net loans and leases to deposits | 57.5535% | 3,116 |
| Net loans and leases to core deposits | 59.1921% | 3,215 |
| Total domestic deposits to total assets | 87.4363% | 2,769 |
| Equity capital to assets | 9.0307% | 2,684 |
| Core capital (leverage) ratio | 9.6836% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,808,000 | 1,502 |
| Average earning assets | $567,624,000 | 1,486 |
| Average equity | $56,035,000 | 1,571 |
| Average total loans | $311,719,500 | 1,652 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2193% | 3,432 |
| Cost of funding earning assets | 0.3180% | 2,217 |
| Net interest margin | 2.9013% | 3,435 |
| Noninterest income to average assets | 0.5498% | 2,365 |
| Noninterest expense to average assets | 1.8861% | 3,955 |
| Loan and lease loss provision to assets | 0.0175% | 2,725 |
| Net operating income to assets | 1.1219% | 2,204 |
| Return on assets (ROA) | 1.1219% | 2,265 |
| Pretax return on assets | 1.3936% | 2,075 |
| Return on Equity (ROE) | 11.2357% | 2,086 |
| Retained earnings to average equity (ytd only) | 5.9845% | 2,367 |
| Net charge-offs to loans | -0.0220% | 4,019 |
| Credit loss provision to net charge-offs | -142.8571% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2034% | 3,555 |
| Assets per employee ($millions) | 6.3360% | 2,459 |
| Cash dividends to net income (ytd only)* | 46.7363% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,845 |
| Loan loss allowance to noncurrent loans | 111.7262% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 955 |
| Noncurrent loans to loans | 1.2704% | 758 |
| Net loans and leases to total assets | 52.3357% | 3,023 |
| Net loans and leases to deposits | 60.4805% | 3,036 |
| Net loans and leases to core deposits | 62.3424% | 3,130 |
| Total domestic deposits to total assets | 86.5333% | 2,700 |
| Equity capital to assets | 9.6955% | 2,947 |
| Core capital (leverage) ratio | 9.5553% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,179,600 | 1,505 |
| Average earning assets | $541,828,600 | 1,488 |
| Average equity | $57,130,600 | 1,578 |
| Average total loans | $318,618,400 | 1,626 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 3,098 |
| Cost of funding earning assets | 0.3308% | 2,290 |
| Net interest margin | 3.0708% | 3,126 |
| Noninterest income to average assets | 0.5787% | 2,305 |
| Noninterest expense to average assets | 1.9831% | 3,735 |
| Loan and lease loss provision to assets | 0.0296% | 2,406 |
| Net operating income to assets | 1.1847% | 2,222 |
| Return on assets (ROA) | 1.1847% | 2,277 |
| Pretax return on assets | 1.4730% | 2,070 |
| Return on Equity (ROE) | 11.7762% | 2,125 |
| Retained earnings to average equity (ytd only) | 11.7762% | 883 |
| Net charge-offs to loans | -0.0321% | 4,160 |
| Credit loss provision to net charge-offs | -163.6364% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8936% | 3,429 |
| Assets per employee ($millions) | 6.2235% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,856 |
| Loan loss allowance to noncurrent loans | 106.9840% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,049 |
| Noncurrent loans to loans | 1.3441% | 796 |
| Net loans and leases to total assets | 51.8575% | 3,201 |
| Net loans and leases to deposits | 60.4997% | 3,191 |
| Net loans and leases to core deposits | 62.5952% | 3,259 |
| Total domestic deposits to total assets | 85.7152% | 2,864 |
| Equity capital to assets | 10.0660% | 2,834 |
| Core capital (leverage) ratio | 10.0962% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,913,500 | 1,534 |
| Average earning assets | $537,610,250 | 1,512 |
| Average equity | $57,130,750 | 1,599 |
| Average total loans | $320,066,750 | 1,652 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 3,304 |
| Cost of funding earning assets | 0.3463% | 2,344 |
| Net interest margin | 3.0046% | 3,310 |
| Noninterest income to average assets | 0.5599% | 2,373 |
| Noninterest expense to average assets | 2.0091% | 3,670 |
| Loan and lease loss provision to assets | 0.0407% | 2,194 |
| Net operating income to assets | 1.0883% | 2,583 |
| Return on assets (ROA) | 1.0883% | 2,653 |
| Pretax return on assets | 1.3511% | 2,475 |
| Return on Equity (ROE) | 10.8207% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.8207% | 1,169 |
| Net charge-offs to loans | -0.0520% | 4,391 |
| Credit loss provision to net charge-offs | -135.7143% | 3,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0761% | 3,141 |
| Assets per employee ($millions) | 6.1237% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,949 |
| Loan loss allowance to noncurrent loans | 85.4465% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 837 |
| Noncurrent loans to loans | 1.6468% | 651 |
| Net loans and leases to total assets | 54.9705% | 3,023 |
| Net loans and leases to deposits | 64.1656% | 2,985 |
| Net loans and leases to core deposits | 65.7780% | 3,132 |
| Total domestic deposits to total assets | 85.6697% | 2,849 |
| Equity capital to assets | 10.0908% | 2,773 |
| Core capital (leverage) ratio | 9.8559% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $560,141,333 | 1,550 |
| Average earning assets | $529,663,333 | 1,528 |
| Average equity | $56,336,667 | 1,612 |
| Average total loans | $323,065,667 | 1,648 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 2,611 |
| Cost of funding earning assets | 0.3667% | 2,385 |
| Net interest margin | 3.2421% | 2,570 |
| Noninterest income to average assets | 0.6092% | 2,169 |
| Noninterest expense to average assets | 2.0639% | 3,525 |
| Loan and lease loss provision to assets | 0.0410% | 2,236 |
| Net operating income to assets | 1.2581% | 1,950 |
| Return on assets (ROA) | 1.2581% | 2,027 |
| Pretax return on assets | 1.5670% | 1,813 |
| Return on Equity (ROE) | 12.5297% | 1,825 |
| Retained earnings to average equity (ytd only) | 12.5297% | 1,022 |
| Net charge-offs to loans | 0.0074% | 1,638 |
| Credit loss provision to net charge-offs | 950.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 372.1667% | 246 |
| Efficiency ratio | 56.2071% | 3,522 |
| Assets per employee ($millions) | 5.9876% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,305 |
| Loan loss allowance to noncurrent loans | 77.4650% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 830 |
| Noncurrent loans to loans | 1.7143% | 707 |
| Net loans and leases to total assets | 56.4444% | 2,981 |
| Net loans and leases to deposits | 65.8403% | 2,934 |
| Net loans and leases to core deposits | 67.8189% | 3,076 |
| Total domestic deposits to total assets | 85.7292% | 2,847 |
| Equity capital to assets | 9.9197% | 2,778 |
| Core capital (leverage) ratio | 10.0563% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,462,000 | 1,546 |
| Average earning assets | $524,714,500 | 1,528 |
| Average equity | $55,771,500 | 1,614 |
| Average total loans | $325,836,000 | 1,647 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 3,320 |
| Cost of funding earning assets | 0.6028% | 2,281 |
| Net interest margin | 3.1915% | 3,383 |
| Noninterest income to average assets | 0.5847% | 2,277 |
| Noninterest expense to average assets | 2.1446% | 3,838 |
| Loan and lease loss provision to assets | 0.0410% | 3,888 |
| Net operating income to assets | 1.1427% | 1,754 |
| Return on assets (ROA) | 1.1427% | 1,880 |
| Pretax return on assets | 1.4113% | 1,622 |
| Return on Equity (ROE) | 10.8137% | 1,699 |
| Retained earnings to average equity (ytd only) | 5.2767% | 2,150 |
| Net charge-offs to loans | 0.0148% | 2,826 |
| Credit loss provision to net charge-offs | 420.0000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 148.9200% | 579 |
| Efficiency ratio | 59.6248% | 3,500 |
| Assets per employee ($millions) | 5.4210% | 2,932 |
| Cash dividends to net income (ytd only)* | 51.2033% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,370 |
| Loan loss allowance to noncurrent loans | 89.1068% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8840% | 1,129 |
| Noncurrent loans to loans | 1.4687% | 912 |
| Net loans and leases to total assets | 59.4008% | 2,936 |
| Net loans and leases to deposits | 69.7118% | 2,910 |
| Net loans and leases to core deposits | 71.4413% | 3,135 |
| Total domestic deposits to total assets | 85.2091% | 2,681 |
| Equity capital to assets | 10.1674% | 2,966 |
| Core capital (leverage) ratio | 9.9930% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,734,600 | 1,511 |
| Average earning assets | $483,913,200 | 1,498 |
| Average equity | $54,181,400 | 1,577 |
| Average total loans | $337,914,600 | 1,548 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,138 |
| Cost of funding earning assets | 0.6531% | 2,310 |
| Net interest margin | 3.2892% | 3,227 |
| Noninterest income to average assets | 0.5696% | 2,310 |
| Noninterest expense to average assets | 2.2100% | 3,656 |
| Loan and lease loss provision to assets | -0.0049% | 4,960 |
| Net operating income to assets | 1.1877% | 1,681 |
| Return on assets (ROA) | 1.1877% | 1,802 |
| Pretax return on assets | 1.4668% | 1,523 |
| Return on Equity (ROE) | 11.1266% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.1266% | 548 |
| Net charge-offs to loans | 0.0215% | 2,424 |
| Credit loss provision to net charge-offs | -34.5455% | 3,515 |
| Earnings coverage of net charge-offs (x) | 100.7455% | 785 |
| Efficiency ratio | 60.1882% | 3,364 |
| Assets per employee ($millions) | 5.2123% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,799 |
| Loan loss allowance to noncurrent loans | 81.8495% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,218 |
| Noncurrent loans to loans | 1.4373% | 1,005 |
| Net loans and leases to total assets | 64.4012% | 2,720 |
| Net loans and leases to deposits | 76.4332% | 2,704 |
| Net loans and leases to core deposits | 78.5836% | 2,959 |
| Total domestic deposits to total assets | 84.2581% | 2,728 |
| Equity capital to assets | 10.8055% | 2,544 |
| Core capital (leverage) ratio | 10.5679% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,392,250 | 1,509 |
| Average earning assets | $476,659,250 | 1,493 |
| Average equity | $53,947,250 | 1,574 |
| Average total loans | $340,822,250 | 1,524 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,849 |
| Cost of funding earning assets | 0.6987% | 2,388 |
| Net interest margin | 3.4718% | 2,875 |
| Noninterest income to average assets | 0.5831% | 2,193 |
| Noninterest expense to average assets | 2.2935% | 3,535 |
| Loan and lease loss provision to assets | -0.0305% | 5,011 |
| Net operating income to assets | 1.2862% | 1,395 |
| Return on assets (ROA) | 1.2862% | 1,509 |
| Pretax return on assets | 1.5904% | 1,248 |
| Return on Equity (ROE) | 12.1016% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.1016% | 450 |
| Net charge-offs to loans | 0.0141% | 2,472 |
| Credit loss provision to net charge-offs | -316.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | 161.9583% | 511 |
| Efficiency ratio | 59.5189% | 3,480 |
| Assets per employee ($millions) | 5.0900% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,598 |
| Loan loss allowance to noncurrent loans | 190.9524% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,659 |
| Noncurrent loans to loans | 0.6198% | 2,309 |
| Net loans and leases to total assets | 64.4925% | 2,821 |
| Net loans and leases to deposits | 77.1194% | 2,749 |
| Net loans and leases to core deposits | 79.3435% | 2,999 |
| Total domestic deposits to total assets | 83.6268% | 2,874 |
| Equity capital to assets | 10.6898% | 2,583 |
| Core capital (leverage) ratio | 10.5136% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,374,000 | 1,505 |
| Average earning assets | $469,442,333 | 1,483 |
| Average equity | $52,968,000 | 1,581 |
| Average total loans | $340,071,667 | 1,510 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 3,189 |
| Cost of funding earning assets | 0.7453% | 2,692 |
| Net interest margin | 3.4613% | 3,114 |
| Noninterest income to average assets | 0.5090% | 2,508 |
| Noninterest expense to average assets | 2.3157% | 3,741 |
| Loan and lease loss provision to assets | -0.0721% | 5,066 |
| Net operating income to assets | 1.2304% | 1,427 |
| Return on assets (ROA) | 1.2304% | 1,530 |
| Pretax return on assets | 1.5206% | 1,255 |
| Return on Equity (ROE) | 11.6126% | 1,225 |
| Retained earnings to average equity (ytd only) | 11.6126% | 470 |
| Net charge-offs to loans | 0.0153% | 2,065 |
| Credit loss provision to net charge-offs | -676.9231% | 3,463 |
| Earnings coverage of net charge-offs (x) | 135.9231% | 464 |
| Efficiency ratio | 61.5200% | 3,553 |
| Assets per employee ($millions) | 4.8154% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,728 |
| Loan loss allowance to noncurrent loans | 167.8811% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,542 |
| Noncurrent loans to loans | 0.7084% | 2,233 |
| Net loans and leases to total assets | 67.8190% | 2,571 |
| Net loans and leases to deposits | 81.9397% | 2,462 |
| Net loans and leases to core deposits | 84.5043% | 2,807 |
| Total domestic deposits to total assets | 82.7670% | 3,187 |
| Equity capital to assets | 10.6485% | 3,192 |
| Core capital (leverage) ratio | 10.7500% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,972,000 | 1,496 |
| Average earning assets | $458,899,000 | 1,472 |
| Average equity | $51,702,500 | 1,608 |
| Average total loans | $340,687,000 | 1,488 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 3,031 |
| Cost of funding earning assets | 0.7831% | 2,757 |
| Net interest margin | 3.6896% | 2,840 |
| Noninterest income to average assets | 0.4794% | 2,857 |
| Noninterest expense to average assets | 2.2545% | 4,054 |
| Loan and lease loss provision to assets | 0.0430% | 3,146 |
| Net operating income to assets | 1.3455% | 1,518 |
| Return on assets (ROA) | 1.3455% | 1,600 |
| Pretax return on assets | 1.6552% | 1,322 |
| Return on Equity (ROE) | 12.7659% | 1,252 |
| Retained earnings to average equity (ytd only) | 6.7367% | 1,511 |
| Net charge-offs to loans | 0.1356% | 1,425 |
| Credit loss provision to net charge-offs | 42.8270% | 3,182 |
| Earnings coverage of net charge-offs (x) | 16.9135% | 2,136 |
| Efficiency ratio | 57.0364% | 4,088 |
| Assets per employee ($millions) | 4.7527% | 2,891 |
| Cash dividends to net income (ytd only)* | 47.2292% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,464 |
| Loan loss allowance to noncurrent loans | 172.8343% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 2,449 |
| Noncurrent loans to loans | 0.6908% | 2,158 |
| Net loans and leases to total assets | 70.1664% | 2,375 |
| Net loans and leases to deposits | 84.7844% | 2,238 |
| Net loans and leases to core deposits | 88.3160% | 2,581 |
| Total domestic deposits to total assets | 82.7586% | 3,287 |
| Equity capital to assets | 10.5416% | 3,406 |
| Core capital (leverage) ratio | 10.3532% | 3,130 |
| Tier 1 risk-based capital ratio | 15.0567% | 2,760 |
| Total risk-based capital ratio | 16.3075% | 2,690 |
| Memoranda: | ||
| Average total assets | $472,076,600 | 1,489 |
| Average earning assets | $444,412,600 | 1,471 |
| Average equity | $49,757,400 | 1,613 |
| Average total loans | $349,444,800 | 1,423 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 3,143 |
| Cost of funding earning assets | 0.7733% | 2,853 |
| Net interest margin | 3.6996% | 2,925 |
| Noninterest income to average assets | 0.4621% | 2,946 |
| Noninterest expense to average assets | 2.2785% | 4,010 |
| Loan and lease loss provision to assets | 0.0628% | 2,636 |
| Net operating income to assets | 1.3066% | 1,830 |
| Return on assets (ROA) | 1.3066% | 1,913 |
| Pretax return on assets | 1.6046% | 1,623 |
| Return on Equity (ROE) | 12.3966% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.3966% | 340 |
| Net charge-offs to loans | 0.1711% | 995 |
| Credit loss provision to net charge-offs | 49.1111% | 2,798 |
| Earnings coverage of net charge-offs (x) | 13.0310% | 2,322 |
| Efficiency ratio | 57.7430% | 3,974 |
| Assets per employee ($millions) | 4.8443% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,600 |
| Loan loss allowance to noncurrent loans | 93.9579% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 1,491 |
| Noncurrent loans to loans | 1.2590% | 1,241 |
| Net loans and leases to total assets | 71.5993% | 2,240 |
| Net loans and leases to deposits | 86.8949% | 2,079 |
| Net loans and leases to core deposits | 90.8491% | 2,481 |
| Total domestic deposits to total assets | 82.3975% | 3,358 |
| Equity capital to assets | 10.8059% | 3,288 |
| Core capital (leverage) ratio | 10.8836% | 2,755 |
| Tier 1 risk-based capital ratio | 15.1563% | 2,778 |
| Total risk-based capital ratio | 16.4071% | 2,708 |
| Memoranda: | ||
| Average total assets | $468,902,000 | 1,507 |
| Average earning assets | $441,549,250 | 1,485 |
| Average equity | $49,421,000 | 1,621 |
| Average total loans | $350,741,250 | 1,427 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 3,048 |
| Cost of funding earning assets | 0.7475% | 2,906 |
| Net interest margin | 3.7420% | 2,785 |
| Noninterest income to average assets | 0.4304% | 3,062 |
| Noninterest expense to average assets | 2.3324% | 3,922 |
| Loan and lease loss provision to assets | 0.0513% | 2,786 |
| Net operating income to assets | 1.2835% | 1,839 |
| Return on assets (ROA) | 1.2835% | 1,897 |
| Pretax return on assets | 1.5725% | 1,630 |
| Return on Equity (ROE) | 12.2859% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.2859% | 376 |
| Net charge-offs to loans | 0.1905% | 870 |
| Credit loss provision to net charge-offs | 35.6287% | 2,564 |
| Earnings coverage of net charge-offs (x) | 11.2725% | 2,212 |
| Efficiency ratio | 58.9556% | 3,871 |
| Assets per employee ($millions) | 4.7452% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,651 |
| Loan loss allowance to noncurrent loans | 99.4747% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 1,567 |
| Noncurrent loans to loans | 1.1814% | 1,361 |
| Net loans and leases to total assets | 74.5772% | 1,788 |
| Net loans and leases to deposits | 90.6729% | 1,669 |
| Net loans and leases to core deposits | 94.8557% | 2,168 |
| Total domestic deposits to total assets | 82.2486% | 3,443 |
| Equity capital to assets | 10.7848% | 3,281 |
| Core capital (leverage) ratio | 10.7275% | 2,869 |
| Tier 1 risk-based capital ratio | 14.6894% | 2,973 |
| Total risk-based capital ratio | 15.9404% | 2,900 |
| Memoranda: | ||
| Average total assets | $463,725,670 | 1,523 |
| Average earning assets | $436,927,330 | 1,504 |
| Average equity | $48,445,670 | 1,645 |
| Average total loans | $350,654,670 | 1,432 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 3,096 |
| Cost of funding earning assets | 0.7206% | 2,943 |
| Net interest margin | 3.7152% | 2,838 |
| Noninterest income to average assets | 0.4280% | 2,990 |
| Noninterest expense to average assets | 2.3356% | 3,937 |
| Loan and lease loss provision to assets | 0.0564% | 2,541 |
| Net operating income to assets | 1.2581% | 1,854 |
| Return on assets (ROA) | 1.2581% | 1,903 |
| Pretax return on assets | 1.5368% | 1,656 |
| Return on Equity (ROE) | 12.2443% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.2443% | 569 |
| Net charge-offs to loans | 0.3510% | 444 |
| Credit loss provision to net charge-offs | 21.2418% | 2,127 |
| Earnings coverage of net charge-offs (x) | 5.9967% | 2,226 |
| Efficiency ratio | 59.4475% | 3,884 |
| Assets per employee ($millions) | 4.7063% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,685 |
| Loan loss allowance to noncurrent loans | 162.3529% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,471 |
| Noncurrent loans to loans | 0.7276% | 2,201 |
| Net loans and leases to total assets | 73.5865% | 1,886 |
| Net loans and leases to deposits | 89.5669% | 1,680 |
| Net loans and leases to core deposits | 93.3357% | 2,182 |
| Total domestic deposits to total assets | 82.1581% | 3,684 |
| Equity capital to assets | 10.2696% | 3,556 |
| Core capital (leverage) ratio | 10.6227% | 2,920 |
| Tier 1 risk-based capital ratio | 14.3314% | 3,180 |
| Total risk-based capital ratio | 15.5824% | 3,109 |
| Memoranda: | ||
| Average total assets | $460,703,000 | 1,546 |
| Average earning assets | $434,109,500 | 1,521 |
| Average equity | $47,336,500 | 1,659 |
| Average total loans | $348,728,000 | 1,447 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 3,158 |
| Cost of funding earning assets | 0.5440% | 3,090 |
| Net interest margin | 3.7436% | 2,884 |
| Noninterest income to average assets | 0.4545% | 3,082 |
| Noninterest expense to average assets | 2.3089% | 4,100 |
| Loan and lease loss provision to assets | 0.1809% | 1,083 |
| Net operating income to assets | 1.2220% | 2,078 |
| Return on assets (ROA) | 1.2220% | 2,070 |
| Pretax return on assets | 1.4908% | 1,806 |
| Return on Equity (ROE) | 11.7813% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.2904% | 2,041 |
| Net charge-offs to loans | 0.0287% | 2,830 |
| Credit loss provision to net charge-offs | 835.7895% | 430 |
| Earnings coverage of net charge-offs (x) | 77.2421% | 876 |
| Efficiency ratio | 58.0038% | 4,157 |
| Assets per employee ($millions) | 4.5077% | 3,155 |
| Cash dividends to net income (ytd only)* | 46.6070% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,236 |
| Loan loss allowance to noncurrent loans | 174.1256% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,377 |
| Noncurrent loans to loans | 0.7251% | 2,179 |
| Net loans and leases to total assets | 76.0056% | 1,610 |
| Net loans and leases to deposits | 93.2214% | 1,372 |
| Net loans and leases to core deposits | 97.6448% | 1,892 |
| Total domestic deposits to total assets | 81.5323% | 3,779 |
| Equity capital to assets | 10.2804% | 3,395 |
| Core capital (leverage) ratio | 10.4745% | 3,058 |
| Tier 1 risk-based capital ratio | 14.2052% | 3,203 |
| Total risk-based capital ratio | 15.4573% | 3,127 |
| Memoranda: | ||
| Average total assets | $438,958,000 | 1,566 |
| Average earning assets | $413,455,800 | 1,546 |
| Average equity | $45,529,600 | 1,647 |
| Average total loans | $331,265,200 | 1,475 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 3,193 |
| Cost of funding earning assets | 0.5023% | 3,184 |
| Net interest margin | 3.7305% | 2,899 |
| Noninterest income to average assets | 0.4599% | 3,102 |
| Noninterest expense to average assets | 2.3042% | 4,090 |
| Loan and lease loss provision to assets | 0.1899% | 939 |
| Net operating income to assets | 1.2149% | 2,176 |
| Return on assets (ROA) | 1.2149% | 2,180 |
| Pretax return on assets | 1.4813% | 1,964 |
| Return on Equity (ROE) | 11.6867% | 1,915 |
| Retained earnings to average equity (ytd only) | 11.6867% | 527 |
| Net charge-offs to loans | 0.0436% | 2,222 |
| Credit loss provision to net charge-offs | 580.3738% | 615 |
| Earnings coverage of net charge-offs (x) | 51.0758% | 1,160 |
| Efficiency ratio | 57.9615% | 4,130 |
| Assets per employee ($millions) | 4.6375% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,432 |
| Loan loss allowance to noncurrent loans | 175.9329% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 2,622 |
| Noncurrent loans to loans | 0.7013% | 2,321 |
| Net loans and leases to total assets | 74.6707% | 1,878 |
| Net loans and leases to deposits | 91.1173% | 1,741 |
| Net loans and leases to core deposits | 95.6154% | 2,152 |
| Total domestic deposits to total assets | 81.9500% | 3,624 |
| Equity capital to assets | 10.4376% | 3,199 |
| Core capital (leverage) ratio | 10.8432% | 2,742 |
| Tier 1 risk-based capital ratio | 14.8041% | 2,971 |
| Total risk-based capital ratio | 16.0563% | 2,888 |
| Memoranda: | ||
| Average total assets | $436,004,500 | 1,583 |
| Average earning assets | $410,874,250 | 1,564 |
| Average equity | $45,326,750 | 1,660 |
| Average total loans | $327,333,250 | 1,489 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,178 |
| Cost of funding earning assets | 0.4577% | 3,302 |
| Net interest margin | 3.7197% | 2,859 |
| Noninterest income to average assets | 0.4529% | 3,129 |
| Noninterest expense to average assets | 2.3417% | 4,041 |
| Loan and lease loss provision to assets | 0.1919% | 903 |
| Net operating income to assets | 1.1725% | 2,303 |
| Return on assets (ROA) | 1.1725% | 2,303 |
| Pretax return on assets | 1.4270% | 2,061 |
| Return on Equity (ROE) | 11.2940% | 1,992 |
| Retained earnings to average equity (ytd only) | 11.2940% | 617 |
| Net charge-offs to loans | 0.0563% | 1,800 |
| Credit loss provision to net charge-offs | 454.9451% | 750 |
| Earnings coverage of net charge-offs (x) | 38.3736% | 1,332 |
| Efficiency ratio | 59.1244% | 4,067 |
| Assets per employee ($millions) | 4.7381% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,641 |
| Loan loss allowance to noncurrent loans | 165.3592% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,584 |
| Noncurrent loans to loans | 0.7340% | 2,274 |
| Net loans and leases to total assets | 73.9772% | 1,948 |
| Net loans and leases to deposits | 89.6102% | 1,895 |
| Net loans and leases to core deposits | 94.8255% | 2,152 |
| Total domestic deposits to total assets | 82.5544% | 3,550 |
| Equity capital to assets | 10.3864% | 3,227 |
| Core capital (leverage) ratio | 10.7691% | 2,734 |
| Tier 1 risk-based capital ratio | 14.8552% | 2,944 |
| Total risk-based capital ratio | 16.1068% | 2,871 |
| Memoranda: | ||
| Average total assets | $431,394,670 | 1,606 |
| Average earning assets | $406,806,330 | 1,582 |
| Average equity | $44,785,000 | 1,681 |
| Average total loans | $323,081,000 | 1,510 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 3,063 |
| Cost of funding earning assets | 0.4437% | 3,258 |
| Net interest margin | 3.7067% | 2,770 |
| Noninterest income to average assets | 0.4743% | 2,969 |
| Noninterest expense to average assets | 2.3882% | 3,978 |
| Loan and lease loss provision to assets | 0.1940% | 863 |
| Net operating income to assets | 1.1407% | 2,255 |
| Return on assets (ROA) | 1.1407% | 2,269 |
| Pretax return on assets | 1.3844% | 2,067 |
| Return on Equity (ROE) | 10.9902% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.9902% | 900 |
| Net charge-offs to loans | 0.0188% | 2,128 |
| Credit loss provision to net charge-offs | 1,380.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 112.2667% | 560 |
| Efficiency ratio | 60.2079% | 4,036 |
| Assets per employee ($millions) | 4.5961% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,778 |
| Loan loss allowance to noncurrent loans | 140.4132% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,403 |
| Noncurrent loans to loans | 0.8582% | 2,106 |
| Net loans and leases to total assets | 73.5134% | 1,944 |
| Net loans and leases to deposits | 88.6541% | 1,849 |
| Net loans and leases to core deposits | 93.6173% | 2,170 |
| Total domestic deposits to total assets | 82.9216% | 3,693 |
| Equity capital to assets | 10.3206% | 3,251 |
| Core capital (leverage) ratio | 10.7407% | 2,698 |
| Tier 1 risk-based capital ratio | 14.8475% | 2,955 |
| Total risk-based capital ratio | 16.0985% | 2,886 |
| Memoranda: | ||
| Average total assets | $426,770,000 | 1,628 |
| Average earning assets | $402,085,500 | 1,611 |
| Average equity | $44,294,000 | 1,699 |
| Average total loans | $319,631,000 | 1,521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 2,861 |
| Cost of funding earning assets | 0.3812% | 3,416 |
| Net interest margin | 3.7736% | 2,525 |
| Noninterest income to average assets | 0.4800% | 3,124 |
| Noninterest expense to average assets | 2.3330% | 4,249 |
| Loan and lease loss provision to assets | 0.1760% | 1,235 |
| Net operating income to assets | 1.0681% | 1,981 |
| Return on assets (ROA) | 1.0681% | 2,007 |
| Pretax return on assets | 1.5252% | 1,543 |
| Return on Equity (ROE) | 9.8567% | 1,949 |
| Retained earnings to average equity (ytd only) | 2.0692% | 4,077 |
| Net charge-offs to loans | 0.0276% | 3,258 |
| Credit loss provision to net charge-offs | 869.0476% | 406 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 740 |
| Efficiency ratio | 57.8293% | 4,545 |
| Assets per employee ($millions) | 4.4352% | 3,296 |
| Cash dividends to net income (ytd only)* | 79.0068% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,013 |
| Loan loss allowance to noncurrent loans | 122.1632% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 2,183 |
| Noncurrent loans to loans | 0.9484% | 1,875 |
| Net loans and leases to total assets | 74.5465% | 1,827 |
| Net loans and leases to deposits | 89.7336% | 1,808 |
| Net loans and leases to core deposits | 93.9027% | 2,207 |
| Total domestic deposits to total assets | 83.0753% | 3,534 |
| Equity capital to assets | 10.4664% | 3,199 |
| Core capital (leverage) ratio | 10.3579% | 3,006 |
| Tier 1 risk-based capital ratio | 14.5679% | 3,056 |
| Total risk-based capital ratio | 15.8187% | 2,977 |
| Memoranda: | ||
| Average total assets | $414,752,800 | 1,654 |
| Average earning assets | $390,634,400 | 1,633 |
| Average equity | $44,944,200 | 1,662 |
| Average total loans | $304,480,800 | 1,551 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 2,821 |
| Cost of funding earning assets | 0.3666% | 3,494 |
| Net interest margin | 3.7776% | 2,478 |
| Noninterest income to average assets | 0.4867% | 3,109 |
| Noninterest expense to average assets | 2.3345% | 4,199 |
| Loan and lease loss provision to assets | 0.1794% | 1,116 |
| Net operating income to assets | 1.1019% | 2,085 |
| Return on assets (ROA) | 1.1019% | 2,133 |
| Pretax return on assets | 1.5318% | 1,665 |
| Return on Equity (ROE) | 10.0805% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.0805% | 566 |
| Net charge-offs to loans | 0.0266% | 2,907 |
| Credit loss provision to net charge-offs | 926.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 88.3645% | 753 |
| Efficiency ratio | 57.7024% | 4,542 |
| Assets per employee ($millions) | 4.4855% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,361 |
| Loan loss allowance to noncurrent loans | 113.0964% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,273 |
| Noncurrent loans to loans | 0.9928% | 1,949 |
| Net loans and leases to total assets | 72.9924% | 2,101 |
| Net loans and leases to deposits | 89.2538% | 1,896 |
| Net loans and leases to core deposits | 92.9184% | 2,354 |
| Total domestic deposits to total assets | 81.7808% | 3,838 |
| Equity capital to assets | 11.0483% | 2,822 |
| Core capital (leverage) ratio | 11.1907% | 2,285 |
| Tier 1 risk-based capital ratio | 15.4442% | 2,726 |
| Total risk-based capital ratio | 16.6944% | 2,675 |
| Memoranda: | ||
| Average total assets | $413,104,000 | 1,671 |
| Average earning assets | $389,196,250 | 1,648 |
| Average equity | $45,155,250 | 1,673 |
| Average total loans | $301,155,500 | 1,573 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,678 |
| Cost of funding earning assets | 0.3533% | 3,550 |
| Net interest margin | 3.7955% | 2,305 |
| Noninterest income to average assets | 0.4746% | 3,181 |
| Noninterest expense to average assets | 2.3485% | 4,212 |
| Loan and lease loss provision to assets | 0.1708% | 1,144 |
| Net operating income to assets | 1.1014% | 1,970 |
| Return on assets (ROA) | 1.1014% | 2,019 |
| Pretax return on assets | 1.5300% | 1,546 |
| Return on Equity (ROE) | 10.1137% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.1137% | 559 |
| Net charge-offs to loans | 0.0202% | 2,834 |
| Credit loss provision to net charge-offs | 1,163.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 115.8667% | 588 |
| Efficiency ratio | 57.9990% | 4,590 |
| Assets per employee ($millions) | 4.3501% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,626 |
| Loan loss allowance to noncurrent loans | 100.5093% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 2,192 |
| Noncurrent loans to loans | 1.0873% | 1,804 |
| Net loans and leases to total assets | 73.4717% | 1,966 |
| Net loans and leases to deposits | 88.8272% | 1,889 |
| Net loans and leases to core deposits | 93.4632% | 2,201 |
| Total domestic deposits to total assets | 82.7131% | 3,653 |
| Equity capital to assets | 11.1244% | 2,679 |
| Core capital (leverage) ratio | 11.0612% | 2,350 |
| Tier 1 risk-based capital ratio | 15.3835% | 2,761 |
| Total risk-based capital ratio | 16.6285% | 2,703 |
| Memoranda: | ||
| Average total assets | $408,765,000 | 1,683 |
| Average earning assets | $384,980,670 | 1,659 |
| Average equity | $44,514,000 | 1,688 |
| Average total loans | $296,684,670 | 1,590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,222 |
| Cost of funding earning assets | 0.3495% | 3,536 |
| Net interest margin | 3.5961% | 2,899 |
| Noninterest income to average assets | 0.4802% | 3,112 |
| Noninterest expense to average assets | 2.3507% | 4,260 |
| Loan and lease loss provision to assets | 0.1397% | 1,357 |
| Net operating income to assets | 0.9958% | 2,324 |
| Return on assets (ROA) | 0.9958% | 2,376 |
| Pretax return on assets | 1.3717% | 1,979 |
| Return on Equity (ROE) | 9.2453% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.2453% | 1,000 |
| Net charge-offs to loans | 0.0220% | 2,334 |
| Credit loss provision to net charge-offs | 887.5000% | 360 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 555 |
| Efficiency ratio | 60.8662% | 4,339 |
| Assets per employee ($millions) | 4.5385% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,923 |
| Loan loss allowance to noncurrent loans | 90.4980% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 2,207 |
| Noncurrent loans to loans | 1.1726% | 1,737 |
| Net loans and leases to total assets | 70.6046% | 2,280 |
| Net loans and leases to deposits | 83.9230% | 2,293 |
| Net loans and leases to core deposits | 87.5184% | 2,586 |
| Total domestic deposits to total assets | 84.1302% | 3,430 |
| Equity capital to assets | 10.6200% | 3,045 |
| Core capital (leverage) ratio | 10.9643% | 2,395 |
| Tier 1 risk-based capital ratio | 15.4011% | 2,794 |
| Total risk-based capital ratio | 16.6154% | 2,741 |
| Memoranda: | ||
| Average total assets | $406,517,000 | 1,706 |
| Average earning assets | $382,305,500 | 1,683 |
| Average equity | $43,784,500 | 1,716 |
| Average total loans | $291,534,500 | 1,624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,292 |
| Cost of funding earning assets | 0.3627% | 3,385 |
| Net interest margin | 3.6114% | 3,036 |
| Noninterest income to average assets | 0.4611% | 3,475 |
| Noninterest expense to average assets | 2.3500% | 4,420 |
| Loan and lease loss provision to assets | 0.1131% | 2,176 |
| Net operating income to assets | 1.0204% | 2,262 |
| Return on assets (ROA) | 1.0187% | 2,371 |
| Pretax return on assets | 1.3874% | 1,994 |
| Return on Equity (ROE) | 9.2583% | 2,286 |
| Retained earnings to average equity (ytd only) | 4.6682% | 2,571 |
| Net charge-offs to loans | 0.0756% | 2,618 |
| Credit loss provision to net charge-offs | 215.3846% | 1,317 |
| Earnings coverage of net charge-offs (x) | 28.6106% | 1,467 |
| Efficiency ratio | 60.9950% | 4,418 |
| Assets per employee ($millions) | 4.5459% | 3,048 |
| Cash dividends to net income (ytd only)* | 49.5786% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,923 |
| Loan loss allowance to noncurrent loans | 82.5449% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 2,031 |
| Noncurrent loans to loans | 1.2901% | 1,583 |
| Net loans and leases to total assets | 71.3206% | 2,272 |
| Net loans and leases to deposits | 85.4270% | 2,246 |
| Net loans and leases to core deposits | 89.2465% | 2,573 |
| Total domestic deposits to total assets | 83.4872% | 3,602 |
| Equity capital to assets | 10.9296% | 2,686 |
| Core capital (leverage) ratio | 10.8565% | 2,482 |
| Tier 1 risk-based capital ratio | 15.7292% | 2,658 |
| Total risk-based capital ratio | 16.9454% | 2,599 |
| Memoranda: | ||
| Average total assets | $395,992,600 | 1,705 |
| Average earning assets | $371,902,400 | 1,672 |
| Average equity | $43,571,800 | 1,702 |
| Average total loans | $275,210,200 | 1,642 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 3,394 |
| Cost of funding earning assets | 0.3667% | 3,367 |
| Net interest margin | 3.5885% | 3,113 |
| Noninterest income to average assets | 0.4534% | 3,537 |
| Noninterest expense to average assets | 2.3403% | 4,434 |
| Loan and lease loss provision to assets | 0.1181% | 1,959 |
| Net operating income to assets | 1.0063% | 2,407 |
| Return on assets (ROA) | 1.0041% | 2,552 |
| Pretax return on assets | 1.3645% | 2,177 |
| Return on Equity (ROE) | 9.1099% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.1099% | 790 |
| Net charge-offs to loans | 0.0719% | 2,288 |
| Credit loss provision to net charge-offs | 238.7755% | 1,239 |
| Earnings coverage of net charge-offs (x) | 30.0265% | 1,487 |
| Efficiency ratio | 61.1683% | 4,360 |
| Assets per employee ($millions) | 4.4559% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 4,085 |
| Loan loss allowance to noncurrent loans | 77.5457% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 2,151 |
| Noncurrent loans to loans | 1.3638% | 1,620 |
| Net loans and leases to total assets | 69.2854% | 2,599 |
| Net loans and leases to deposits | 83.3840% | 2,560 |
| Net loans and leases to core deposits | 86.4664% | 2,910 |
| Total domestic deposits to total assets | 83.0920% | 3,551 |
| Equity capital to assets | 11.2744% | 2,724 |
| Core capital (leverage) ratio | 11.1686% | 2,299 |
| Tier 1 risk-based capital ratio | 16.3085% | 2,495 |
| Total risk-based capital ratio | 17.5183% | 2,467 |
| Memoranda: | ||
| Average total assets | $396,117,500 | 1,703 |
| Average earning assets | $372,287,750 | 1,674 |
| Average equity | $43,658,250 | 1,712 |
| Average total loans | $272,736,750 | 1,659 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,475 |
| Cost of funding earning assets | 0.3735% | 3,322 |
| Net interest margin | 3.5645% | 3,233 |
| Noninterest income to average assets | 0.4609% | 3,456 |
| Noninterest expense to average assets | 2.3677% | 4,434 |
| Loan and lease loss provision to assets | 0.1186% | 1,922 |
| Net operating income to assets | 0.9779% | 2,480 |
| Return on assets (ROA) | 0.9775% | 2,630 |
| Pretax return on assets | 1.3223% | 2,313 |
| Return on Equity (ROE) | 8.9384% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.9384% | 868 |
| Net charge-offs to loans | 0.0570% | 2,374 |
| Credit loss provision to net charge-offs | 303.8961% | 949 |
| Earnings coverage of net charge-offs (x) | 36.9221% | 1,214 |
| Efficiency ratio | 62.1589% | 4,324 |
| Assets per employee ($millions) | 4.4515% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,100 |
| Loan loss allowance to noncurrent loans | 76.9413% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 2,197 |
| Noncurrent loans to loans | 1.3925% | 1,605 |
| Net loans and leases to total assets | 68.8992% | 2,651 |
| Net loans and leases to deposits | 83.1251% | 2,577 |
| Net loans and leases to core deposits | 86.3605% | 2,866 |
| Total domestic deposits to total assets | 82.8862% | 3,697 |
| Equity capital to assets | 11.2966% | 2,741 |
| Core capital (leverage) ratio | 10.9138% | 2,520 |
| Tier 1 risk-based capital ratio | 16.4203% | 2,459 |
| Total risk-based capital ratio | 17.6502% | 2,410 |
| Memoranda: | ||
| Average total assets | $394,478,670 | 1,711 |
| Average earning assets | $370,544,000 | 1,682 |
| Average equity | $43,139,670 | 1,731 |
| Average total loans | $270,039,670 | 1,674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 3,618 |
| Cost of funding earning assets | 0.3853% | 3,243 |
| Net interest margin | 3.5061% | 3,451 |
| Noninterest income to average assets | 0.4759% | 3,300 |
| Noninterest expense to average assets | 2.3231% | 4,598 |
| Loan and lease loss provision to assets | 0.1182% | 1,784 |
| Net operating income to assets | 0.9799% | 2,369 |
| Return on assets (ROA) | 0.9792% | 2,488 |
| Pretax return on assets | 1.3257% | 2,198 |
| Return on Equity (ROE) | 9.1021% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.1021% | 1,086 |
| Net charge-offs to loans | 0.0536% | 1,987 |
| Credit loss provision to net charge-offs | 325.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 39.7222% | 1,013 |
| Efficiency ratio | 61.6519% | 4,497 |
| Assets per employee ($millions) | 4.6068% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 4,250 |
| Loan loss allowance to noncurrent loans | 64.2905% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 1,925 |
| Noncurrent loans to loans | 1.6594% | 1,366 |
| Net loans and leases to total assets | 66.5692% | 2,874 |
| Net loans and leases to deposits | 79.7399% | 2,830 |
| Net loans and leases to core deposits | 83.2784% | 3,009 |
| Total domestic deposits to total assets | 83.4830% | 3,717 |
| Equity capital to assets | 10.7714% | 3,188 |
| Core capital (leverage) ratio | 10.8593% | 2,559 |
| Tier 1 risk-based capital ratio | 16.0261% | 2,666 |
| Total risk-based capital ratio | 17.2250% | 2,636 |
| Memoranda: | ||
| Average total assets | $395,853,000 | 1,708 |
| Average earning assets | $371,695,000 | 1,672 |
| Average equity | $42,583,500 | 1,743 |
| Average total loans | $268,648,500 | 1,675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 3,822 |
| Cost of funding earning assets | 0.4653% | 2,481 |
| Net interest margin | 3.4020% | 3,908 |
| Noninterest income to average assets | 0.4818% | 3,452 |
| Noninterest expense to average assets | 2.2415% | 4,944 |
| Loan and lease loss provision to assets | 0.1102% | 2,156 |
| Net operating income to assets | 0.9845% | 2,447 |
| Return on assets (ROA) | 0.9845% | 2,523 |
| Pretax return on assets | 1.3228% | 2,188 |
| Return on Equity (ROE) | 9.1639% | 2,386 |
| Retained earnings to average equity (ytd only) | 4.3823% | 2,854 |
| Net charge-offs to loans | 0.0826% | 2,654 |
| Credit loss provision to net charge-offs | 198.6111% | 1,413 |
| Earnings coverage of net charge-offs (x) | 25.8287% | 1,614 |
| Efficiency ratio | 61.0024% | 4,763 |
| Assets per employee ($millions) | 4.6537% | 2,805 |
| Cash dividends to net income (ytd only)* | 52.1785% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,350 |
| Loan loss allowance to noncurrent loans | 65.0990% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 1,961 |
| Noncurrent loans to loans | 1.6049% | 1,430 |
| Net loans and leases to total assets | 67.7438% | 2,740 |
| Net loans and leases to deposits | 81.3045% | 2,676 |
| Net loans and leases to core deposits | 84.8709% | 2,897 |
| Total domestic deposits to total assets | 83.3211% | 3,735 |
| Equity capital to assets | 10.7430% | 3,084 |
| Core capital (leverage) ratio | 10.4920% | 2,942 |
| Tier 1 risk-based capital ratio | 15.8838% | 2,743 |
| Total risk-based capital ratio | 17.0687% | 2,707 |
| Memoranda: | ||
| Average total assets | $389,337,200 | 1,690 |
| Average earning assets | $365,369,000 | 1,659 |
| Average equity | $41,827,000 | 1,733 |
| Average total loans | $261,634,200 | 1,661 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 3,975 |
| Cost of funding earning assets | 0.4801% | 2,409 |
| Net interest margin | 3.3564% | 4,120 |
| Noninterest income to average assets | 0.4926% | 3,422 |
| Noninterest expense to average assets | 2.2169% | 5,008 |
| Loan and lease loss provision to assets | 0.1142% | 1,978 |
| Net operating income to assets | 0.9787% | 2,580 |
| Return on assets (ROA) | 0.9787% | 2,657 |
| Pretax return on assets | 1.3133% | 2,345 |
| Return on Equity (ROE) | 9.1100% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.1100% | 865 |
| Net charge-offs to loans | 0.0507% | 2,890 |
| Credit loss provision to net charge-offs | 336.3636% | 871 |
| Earnings coverage of net charge-offs (x) | 42.0595% | 1,194 |
| Efficiency ratio | 60.8315% | 4,770 |
| Assets per employee ($millions) | 4.6548% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,387 |
| Loan loss allowance to noncurrent loans | 57.3377% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 1,852 |
| Noncurrent loans to loans | 1.8669% | 1,243 |
| Net loans and leases to total assets | 66.5843% | 2,924 |
| Net loans and leases to deposits | 80.1500% | 2,864 |
| Net loans and leases to core deposits | 83.8521% | 3,060 |
| Total domestic deposits to total assets | 83.0746% | 3,793 |
| Equity capital to assets | 11.0369% | 2,981 |
| Core capital (leverage) ratio | 10.8649% | 2,629 |
| Tier 1 risk-based capital ratio | 16.5227% | 2,560 |
| Total risk-based capital ratio | 17.7339% | 2,543 |
| Memoranda: | ||
| Average total assets | $388,943,000 | 1,702 |
| Average earning assets | $365,220,750 | 1,674 |
| Average equity | $41,784,750 | 1,756 |
| Average total loans | $260,138,750 | 1,681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,090 |
| Cost of funding earning assets | 0.4880% | 2,370 |
| Net interest margin | 3.3046% | 4,287 |
| Noninterest income to average assets | 0.5177% | 3,243 |
| Noninterest expense to average assets | 2.2222% | 5,047 |
| Loan and lease loss provision to assets | 0.1144% | 1,928 |
| Net operating income to assets | 0.9602% | 2,586 |
| Return on assets (ROA) | 0.9602% | 2,698 |
| Pretax return on assets | 1.2857% | 2,415 |
| Return on Equity (ROE) | 9.0204% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.0204% | 915 |
| Net charge-offs to loans | 0.0695% | 2,403 |
| Credit loss provision to net charge-offs | 246.6667% | 1,064 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,360 |
| Efficiency ratio | 61.3481% | 4,781 |
| Assets per employee ($millions) | 4.7925% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 4,620 |
| Loan loss allowance to noncurrent loans | 57.5456% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 2,067 |
| Noncurrent loans to loans | 1.8205% | 1,398 |
| Net loans and leases to total assets | 66.0599% | 2,938 |
| Net loans and leases to deposits | 79.2782% | 2,874 |
| Net loans and leases to core deposits | 83.4411% | 3,040 |
| Total domestic deposits to total assets | 83.3267% | 3,820 |
| Equity capital to assets | 10.8323% | 3,072 |
| Core capital (leverage) ratio | 10.6796% | 2,753 |
| Tier 1 risk-based capital ratio | 16.4199% | 2,651 |
| Total risk-based capital ratio | 17.6120% | 2,641 |
| Memoranda: | ||
| Average total assets | $388,257,670 | 1,715 |
| Average earning assets | $364,767,000 | 1,682 |
| Average equity | $41,328,330 | 1,777 |
| Average total loans | $259,131,330 | 1,691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,281 |
| Cost of funding earning assets | 0.4919% | 2,359 |
| Net interest margin | 3.2323% | 4,481 |
| Noninterest income to average assets | 0.5831% | 2,748 |
| Noninterest expense to average assets | 2.1942% | 5,167 |
| Loan and lease loss provision to assets | 0.1143% | 1,805 |
| Net operating income to assets | 0.9725% | 2,380 |
| Return on assets (ROA) | 0.9725% | 2,516 |
| Pretax return on assets | 1.3073% | 2,254 |
| Return on Equity (ROE) | 9.2171% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.2171% | 1,124 |
| Net charge-offs to loans | 0.0617% | 2,128 |
| Credit loss provision to net charge-offs | 277.5000% | 863 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,058 |
| Efficiency ratio | 60.6838% | 5,005 |
| Assets per employee ($millions) | 4.8556% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 4,881 |
| Loan loss allowance to noncurrent loans | 60.4969% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 2,315 |
| Noncurrent loans to loans | 1.6993% | 1,619 |
| Net loans and leases to total assets | 65.7791% | 2,818 |
| Net loans and leases to deposits | 78.9786% | 2,684 |
| Net loans and leases to core deposits | 83.0542% | 2,866 |
| Total domestic deposits to total assets | 83.2873% | 4,088 |
| Equity capital to assets | 10.6686% | 3,347 |
| Core capital (leverage) ratio | 10.5680% | 2,884 |
| Tier 1 risk-based capital ratio | 16.0082% | 2,916 |
| Total risk-based capital ratio | 17.0561% | 2,950 |
| Memoranda: | ||
| Average total assets | $388,291,500 | 1,719 |
| Average earning assets | $364,317,000 | 1,687 |
| Average equity | $40,967,500 | 1,794 |
| Average total loans | $259,120,500 | 1,692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 3,938 |
| Cost of funding earning assets | 0.5813% | 1,940 |
| Net interest margin | 3.3658% | 4,353 |
| Noninterest income to average assets | 0.4708% | 3,705 |
| Noninterest expense to average assets | 2.3285% | 5,029 |
| Loan and lease loss provision to assets | 0.0842% | 2,796 |
| Net operating income to assets | 0.9114% | 2,822 |
| Return on assets (ROA) | 0.9126% | 2,909 |
| Pretax return on assets | 1.2163% | 2,587 |
| Return on Equity (ROE) | 8.7145% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.7518% | 3,544 |
| Net charge-offs to loans | 0.1761% | 2,264 |
| Credit loss provision to net charge-offs | 72.4832% | 3,010 |
| Earnings coverage of net charge-offs (x) | 11.1834% | 2,531 |
| Efficiency ratio | 64.1905% | 4,563 |
| Assets per employee ($millions) | 4.7918% | 2,605 |
| Cash dividends to net income (ytd only)* | 56.9476% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,056 |
| Loan loss allowance to noncurrent loans | 151.5434% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 4,228 |
| Noncurrent loans to loans | 0.6602% | 3,700 |
| Net loans and leases to total assets | 66.3345% | 2,827 |
| Net loans and leases to deposits | 79.9635% | 2,718 |
| Net loans and leases to core deposits | 83.9864% | 2,901 |
| Total domestic deposits to total assets | 82.9560% | 4,093 |
| Equity capital to assets | 10.4327% | 3,572 |
| Core capital (leverage) ratio | 10.2313% | 3,272 |
| Tier 1 risk-based capital ratio | 16.0308% | 2,947 |
| Total risk-based capital ratio | 17.0842% | 2,994 |
| Memoranda: | ||
| Average total assets | $384,844,600 | 1,706 |
| Average earning assets | $360,925,600 | 1,663 |
| Average equity | $40,300,800 | 1,767 |
| Average total loans | $253,889,400 | 1,670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 4,054 |
| Cost of funding earning assets | 0.5974% | 1,857 |
| Net interest margin | 3.3320% | 4,499 |
| Noninterest income to average assets | 0.5024% | 3,532 |
| Noninterest expense to average assets | 2.3182% | 5,059 |
| Loan and lease loss provision to assets | 0.0792% | 2,760 |
| Net operating income to assets | 0.9225% | 2,809 |
| Return on assets (ROA) | 0.9225% | 2,905 |
| Pretax return on assets | 1.2322% | 2,642 |
| Return on Equity (ROE) | 8.8008% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.8008% | 1,060 |
| Net charge-offs to loans | 0.1421% | 2,373 |
| Credit loss provision to net charge-offs | 84.7584% | 2,508 |
| Earnings coverage of net charge-offs (x) | 14.0408% | 2,171 |
| Efficiency ratio | 63.8703% | 4,568 |
| Assets per employee ($millions) | 4.6782% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 4,997 |
| Loan loss allowance to noncurrent loans | 124.8953% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 4,093 |
| Noncurrent loans to loans | 0.8394% | 3,475 |
| Net loans and leases to total assets | 66.0402% | 2,862 |
| Net loans and leases to deposits | 79.7675% | 2,723 |
| Net loans and leases to core deposits | 83.9886% | 2,884 |
| Total domestic deposits to total assets | 82.7908% | 4,209 |
| Equity capital to assets | 10.8737% | 3,096 |
| Core capital (leverage) ratio | 10.6046% | 2,918 |
| Tier 1 risk-based capital ratio | 16.7108% | 2,721 |
| Total risk-based capital ratio | 17.8115% | 2,741 |
| Memoranda: | ||
| Average total assets | $384,021,750 | 1,716 |
| Average earning assets | $360,414,500 | 1,684 |
| Average equity | $40,252,750 | 1,780 |
| Average total loans | $252,344,250 | 1,682 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 4,107 |
| Cost of funding earning assets | 0.6123% | 1,791 |
| Net interest margin | 3.2965% | 4,603 |
| Noninterest income to average assets | 0.4764% | 3,659 |
| Noninterest expense to average assets | 2.2959% | 5,162 |
| Loan and lease loss provision to assets | 0.0609% | 3,054 |
| Net operating income to assets | 0.9095% | 2,759 |
| Return on assets (ROA) | 0.9095% | 2,859 |
| Pretax return on assets | 1.2110% | 2,621 |
| Return on Equity (ROE) | 8.7864% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.7864% | 1,053 |
| Net charge-offs to loans | 0.1951% | 1,858 |
| Credit loss provision to net charge-offs | 47.7551% | 2,824 |
| Earnings coverage of net charge-offs (x) | 9.9714% | 2,293 |
| Efficiency ratio | 64.3514% | 4,638 |
| Assets per employee ($millions) | 4.6975% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,259 |
| Loan loss allowance to noncurrent loans | 123.1389% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 3,885 |
| Noncurrent loans to loans | 0.8297% | 3,626 |
| Net loans and leases to total assets | 66.1196% | 2,731 |
| Net loans and leases to deposits | 79.6158% | 2,575 |
| Net loans and leases to core deposits | 83.4605% | 2,797 |
| Total domestic deposits to total assets | 83.0484% | 4,287 |
| Equity capital to assets | 10.7335% | 3,163 |
| Core capital (leverage) ratio | 10.3217% | 3,183 |
| Tier 1 risk-based capital ratio | 16.4522% | 2,853 |
| Total risk-based capital ratio | 17.5248% | 2,892 |
| Memoranda: | ||
| Average total assets | $384,157,330 | 1,714 |
| Average earning assets | $360,263,670 | 1,678 |
| Average equity | $39,766,000 | 1,786 |
| Average total loans | $251,117,670 | 1,690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 4,337 |
| Cost of funding earning assets | 0.6142% | 1,863 |
| Net interest margin | 3.2214% | 4,852 |
| Noninterest income to average assets | 0.4860% | 3,519 |
| Noninterest expense to average assets | 2.3421% | 5,089 |
| Loan and lease loss provision to assets | -0.0197% | 6,421 |
| Net operating income to assets | 0.8923% | 2,689 |
| Return on assets (ROA) | 0.8923% | 2,756 |
| Pretax return on assets | 1.1855% | 2,545 |
| Return on Equity (ROE) | 8.7793% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.7793% | 1,319 |
| Net charge-offs to loans | 0.2180% | 1,454 |
| Credit loss provision to net charge-offs | -13.9706% | 4,685 |
| Earnings coverage of net charge-offs (x) | 8.2721% | 2,040 |
| Efficiency ratio | 66.7651% | 4,405 |
| Assets per employee ($millions) | 4.7460% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,381 |
| Loan loss allowance to noncurrent loans | 170.3874% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 4,646 |
| Noncurrent loans to loans | 0.6074% | 4,340 |
| Net loans and leases to total assets | 63.7627% | 2,941 |
| Net loans and leases to deposits | 76.3295% | 2,777 |
| Net loans and leases to core deposits | 79.7527% | 2,994 |
| Total domestic deposits to total assets | 83.5362% | 4,438 |
| Equity capital to assets | 10.2123% | 3,580 |
| Core capital (leverage) ratio | 10.1475% | 3,354 |
| Tier 1 risk-based capital ratio | 16.1197% | 3,109 |
| Total risk-based capital ratio | 17.1937% | 3,146 |
| Memoranda: | ||
| Average total assets | $385,986,000 | 1,718 |
| Average earning assets | $362,082,000 | 1,681 |
| Average equity | $39,228,500 | 1,801 |
| Average total loans | $249,585,500 | 1,697 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,589 |
| Cost of funding earning assets | 0.7009% | 1,809 |
| Net interest margin | 3.1655% | 5,107 |
| Noninterest income to average assets | 0.5943% | 3,128 |
| Noninterest expense to average assets | 2.3316% | 5,284 |
| Loan and lease loss provision to assets | 0.1070% | 3,011 |
| Net operating income to assets | 0.8504% | 3,031 |
| Return on assets (ROA) | 0.8504% | 3,109 |
| Pretax return on assets | 1.1316% | 2,844 |
| Return on Equity (ROE) | 8.4130% | 2,818 |
| Retained earnings to average equity (ytd only) | 3.2737% | 3,902 |
| Net charge-offs to loans | 0.1795% | 3,027 |
| Credit loss provision to net charge-offs | 96.2617% | 2,595 |
| Earnings coverage of net charge-offs (x) | 11.1425% | 2,271 |
| Efficiency ratio | 65.3063% | 4,686 |
| Assets per employee ($millions) | 4.7260% | 2,545 |
| Cash dividends to net income (ytd only)* | 61.0874% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,114 |
| Loan loss allowance to noncurrent loans | 160.4434% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 4,564 |
| Noncurrent loans to loans | 0.6899% | 4,246 |
| Net loans and leases to total assets | 64.1796% | 3,012 |
| Net loans and leases to deposits | 76.9059% | 2,869 |
| Net loans and leases to core deposits | 80.3552% | 3,087 |
| Total domestic deposits to total assets | 83.4521% | 4,380 |
| Equity capital to assets | 10.1133% | 3,616 |
| Core capital (leverage) ratio | 9.8359% | 3,797 |
| Tier 1 risk-based capital ratio | 15.9683% | 3,107 |
| Total risk-based capital ratio | 17.1213% | 3,122 |
| Memoranda: | ||
| Average total assets | $385,017,200 | 1,706 |
| Average earning assets | $361,963,000 | 1,667 |
| Average equity | $38,916,000 | 1,793 |
| Average total loans | $238,432,000 | 1,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 4,668 |
| Cost of funding earning assets | 0.7167% | 1,835 |
| Net interest margin | 3.1329% | 5,222 |
| Noninterest income to average assets | 0.5159% | 3,701 |
| Noninterest expense to average assets | 2.3151% | 5,293 |
| Loan and lease loss provision to assets | 0.1445% | 2,476 |
| Net operating income to assets | 0.7642% | 3,534 |
| Return on assets (ROA) | 0.7642% | 3,665 |
| Pretax return on assets | 1.0039% | 3,488 |
| Return on Equity (ROE) | 7.5619% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5619% | 1,614 |
| Net charge-offs to loans | 0.2125% | 2,553 |
| Credit loss provision to net charge-offs | 111.1702% | 2,119 |
| Earnings coverage of net charge-offs (x) | 8.8325% | 2,570 |
| Efficiency ratio | 66.8431% | 4,330 |
| Assets per employee ($millions) | 4.7001% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,092 |
| Loan loss allowance to noncurrent loans | 121.6638% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,384 |
| Noncurrent loans to loans | 0.9501% | 3,917 |
| Net loans and leases to total assets | 62.3001% | 3,308 |
| Net loans and leases to deposits | 74.7684% | 3,120 |
| Net loans and leases to core deposits | 77.9102% | 3,375 |
| Total domestic deposits to total assets | 83.3241% | 4,451 |
| Equity capital to assets | 10.2857% | 3,524 |
| Core capital (leverage) ratio | 10.1361% | 3,480 |
| Tier 1 risk-based capital ratio | 16.6375% | 2,885 |
| Total risk-based capital ratio | 17.8347% | 2,866 |
| Memoranda: | ||
| Average total assets | $385,570,500 | 1,717 |
| Average earning assets | $362,770,250 | 1,669 |
| Average equity | $38,966,500 | 1,805 |
| Average total loans | $235,932,000 | 1,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,649 |
| Cost of funding earning assets | 0.7410% | 1,763 |
| Net interest margin | 3.1101% | 5,243 |
| Noninterest income to average assets | 0.5503% | 3,499 |
| Noninterest expense to average assets | 2.2986% | 5,374 |
| Loan and lease loss provision to assets | 0.1359% | 2,627 |
| Net operating income to assets | 0.7946% | 3,323 |
| Return on assets (ROA) | 0.7946% | 3,482 |
| Pretax return on assets | 1.0482% | 3,303 |
| Return on Equity (ROE) | 7.9089% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.9089% | 1,524 |
| Net charge-offs to loans | 0.1764% | 2,707 |
| Credit loss provision to net charge-offs | 127.1845% | 1,777 |
| Earnings coverage of net charge-offs (x) | 11.0825% | 2,086 |
| Efficiency ratio | 66.0015% | 4,543 |
| Assets per employee ($millions) | 4.6604% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 4,998 |
| Loan loss allowance to noncurrent loans | 113.8362% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 4,602 |
| Noncurrent loans to loans | 1.0534% | 3,827 |
| Net loans and leases to total assets | 60.8455% | 3,511 |
| Net loans and leases to deposits | 72.9899% | 3,307 |
| Net loans and leases to core deposits | 76.1296% | 3,529 |
| Total domestic deposits to total assets | 83.3615% | 4,565 |
| Equity capital to assets | 10.1934% | 3,666 |
| Core capital (leverage) ratio | 9.9301% | 3,621 |
| Tier 1 risk-based capital ratio | 17.0453% | 2,696 |
| Total risk-based capital ratio | 18.2998% | 2,666 |
| Memoranda: | ||
| Average total assets | $385,625,000 | 1,714 |
| Average earning assets | $363,584,000 | 1,666 |
| Average equity | $38,741,330 | 1,811 |
| Average total loans | $233,603,670 | 1,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,607 |
| Cost of funding earning assets | 0.7581% | 1,784 |
| Net interest margin | 3.1046% | 5,246 |
| Noninterest income to average assets | 0.6041% | 3,114 |
| Noninterest expense to average assets | 2.3028% | 5,413 |
| Loan and lease loss provision to assets | 0.1095% | 2,874 |
| Net operating income to assets | 0.8375% | 2,962 |
| Return on assets (ROA) | 0.8375% | 3,107 |
| Pretax return on assets | 1.1183% | 2,891 |
| Return on Equity (ROE) | 8.3965% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.3965% | 1,605 |
| Net charge-offs to loans | 0.0584% | 3,238 |
| Credit loss provision to net charge-offs | 311.7647% | 776 |
| Earnings coverage of net charge-offs (x) | 34.9706% | 881 |
| Efficiency ratio | 65.2237% | 4,791 |
| Assets per employee ($millions) | 4.7098% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,083 |
| Loan loss allowance to noncurrent loans | 99.8944% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 4,440 |
| Noncurrent loans to loans | 1.2232% | 3,732 |
| Net loans and leases to total assets | 59.4055% | 3,537 |
| Net loans and leases to deposits | 71.3443% | 3,271 |
| Net loans and leases to core deposits | 74.4600% | 3,523 |
| Total domestic deposits to total assets | 83.2661% | 4,773 |
| Equity capital to assets | 10.1050% | 4,014 |
| Core capital (leverage) ratio | 9.8811% | 3,554 |
| Tier 1 risk-based capital ratio | 17.0395% | 2,730 |
| Total risk-based capital ratio | 18.2913% | 2,705 |
| Memoranda: | ||
| Average total assets | $387,362,500 | 1,728 |
| Average earning assets | $365,133,500 | 1,672 |
| Average equity | $38,635,000 | 1,841 |
| Average total loans | $232,734,000 | 1,775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 3,796 |
| Cost of funding earning assets | 0.8656% | 2,181 |
| Net interest margin | 3.5374% | 4,350 |
| Noninterest income to average assets | 0.4854% | 3,997 |
| Noninterest expense to average assets | 2.2623% | 5,780 |
| Loan and lease loss provision to assets | 0.1697% | 3,498 |
| Net operating income to assets | 1.0440% | 2,149 |
| Return on assets (ROA) | 1.0440% | 2,348 |
| Pretax return on assets | 1.3752% | 2,122 |
| Return on Equity (ROE) | 10.7446% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.7446% | 470 |
| Net charge-offs to loans | 0.2234% | 3,608 |
| Credit loss provision to net charge-offs | 122.0307% | 2,339 |
| Earnings coverage of net charge-offs (x) | 11.1092% | 2,068 |
| Efficiency ratio | 59.4220% | 5,631 |
| Assets per employee ($millions) | 4.7381% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,179 |
| Loan loss allowance to noncurrent loans | 79.3687% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 4,220 |
| Noncurrent loans to loans | 1.4944% | 3,364 |
| Net loans and leases to total assets | 59.3114% | 3,721 |
| Net loans and leases to deposits | 71.0776% | 3,551 |
| Net loans and leases to core deposits | 73.9349% | 3,789 |
| Total domestic deposits to total assets | 83.4460% | 4,555 |
| Equity capital to assets | 9.8435% | 4,390 |
| Core capital (leverage) ratio | 9.5746% | 4,002 |
| Tier 1 risk-based capital ratio | 16.6186% | 2,835 |
| Total risk-based capital ratio | 17.8672% | 2,810 |
| Memoranda: | ||
| Average total assets | $375,376,000 | 1,734 |
| Average earning assets | $352,491,600 | 1,694 |
| Average equity | $36,474,000 | 1,902 |
| Average total loans | $233,710,200 | 1,746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 3,633 |
| Cost of funding earning assets | 0.8864% | 2,258 |
| Net interest margin | 3.6152% | 4,166 |
| Noninterest income to average assets | 0.4992% | 3,936 |
| Noninterest expense to average assets | 2.2704% | 5,770 |
| Loan and lease loss provision to assets | 0.1641% | 3,465 |
| Net operating income to assets | 1.0979% | 2,093 |
| Return on assets (ROA) | 1.0979% | 2,298 |
| Pretax return on assets | 1.4595% | 2,038 |
| Return on Equity (ROE) | 11.3379% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.3379% | 638 |
| Net charge-offs to loans | 0.2070% | 3,491 |
| Credit loss provision to net charge-offs | 126.1708% | 2,278 |
| Earnings coverage of net charge-offs (x) | 12.4820% | 1,998 |
| Efficiency ratio | 58.3050% | 5,747 |
| Assets per employee ($millions) | 4.6225% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 5,417 |
| Loan loss allowance to noncurrent loans | 108.5375% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 4,946 |
| Noncurrent loans to loans | 1.0800% | 4,278 |
| Net loans and leases to total assets | 61.0790% | 3,558 |
| Net loans and leases to deposits | 73.6043% | 3,360 |
| Net loans and leases to core deposits | 76.4808% | 3,673 |
| Total domestic deposits to total assets | 82.9828% | 4,645 |
| Equity capital to assets | 9.9344% | 4,599 |
| Core capital (leverage) ratio | 9.6224% | 4,090 |
| Tier 1 risk-based capital ratio | 16.2457% | 3,134 |
| Total risk-based capital ratio | 17.4863% | 3,110 |
| Memoranda: | ||
| Average total assets | $372,089,500 | 1,774 |
| Average earning assets | $349,400,500 | 1,722 |
| Average equity | $36,031,500 | 1,939 |
| Average total loans | $233,836,750 | 1,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 3,468 |
| Cost of funding earning assets | 0.8996% | 2,400 |
| Net interest margin | 3.6739% | 3,948 |
| Noninterest income to average assets | 0.4895% | 3,993 |
| Noninterest expense to average assets | 2.2879% | 5,776 |
| Loan and lease loss provision to assets | 0.1633% | 3,467 |
| Net operating income to assets | 1.0855% | 2,102 |
| Return on assets (ROA) | 1.0855% | 2,322 |
| Pretax return on assets | 1.4820% | 1,914 |
| Return on Equity (ROE) | 11.3102% | 1,877 |
| Retained earnings to average equity (ytd only) | 11.3102% | 690 |
| Net charge-offs to loans | 0.1857% | 3,467 |
| Credit loss provision to net charge-offs | 139.1705% | 1,984 |
| Earnings coverage of net charge-offs (x) | 14.0184% | 1,741 |
| Efficiency ratio | 58.1683% | 5,847 |
| Assets per employee ($millions) | 4.5396% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,403 |
| Loan loss allowance to noncurrent loans | 108.0996% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,071 |
| Noncurrent loans to loans | 1.0997% | 4,323 |
| Net loans and leases to total assets | 61.0921% | 3,612 |
| Net loans and leases to deposits | 73.7292% | 3,335 |
| Net loans and leases to core deposits | 77.3236% | 3,614 |
| Total domestic deposits to total assets | 82.8601% | 4,802 |
| Equity capital to assets | 9.7943% | 4,637 |
| Core capital (leverage) ratio | 9.3119% | 4,435 |
| Tier 1 risk-based capital ratio | 16.2156% | 3,055 |
| Total risk-based capital ratio | 17.4663% | 3,020 |
| Memoranda: | ||
| Average total assets | $369,770,330 | 1,784 |
| Average earning assets | $346,610,330 | 1,740 |
| Average equity | $35,490,000 | 1,950 |
| Average total loans | $233,694,330 | 1,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 3,147 |
| Cost of funding earning assets | 0.9150% | 2,569 |
| Net interest margin | 3.7610% | 3,560 |
| Noninterest income to average assets | 0.5145% | 3,817 |
| Noninterest expense to average assets | 2.3075% | 5,750 |
| Loan and lease loss provision to assets | 0.1693% | 3,276 |
| Net operating income to assets | 1.1277% | 1,959 |
| Return on assets (ROA) | 1.1277% | 2,148 |
| Pretax return on assets | 1.5488% | 1,745 |
| Return on Equity (ROE) | 11.8724% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.8724% | 836 |
| Net charge-offs to loans | 0.3126% | 2,400 |
| Credit loss provision to net charge-offs | 84.7826% | 2,644 |
| Earnings coverage of net charge-offs (x) | 8.6033% | 1,940 |
| Efficiency ratio | 57.3200% | 6,002 |
| Assets per employee ($millions) | 4.6496% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,753 |
| Loan loss allowance to noncurrent loans | 119.1190% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 5,427 |
| Noncurrent loans to loans | 0.9573% | 4,759 |
| Net loans and leases to total assets | 60.3793% | 3,579 |
| Net loans and leases to deposits | 72.4939% | 3,356 |
| Net loans and leases to core deposits | 76.2487% | 3,587 |
| Total domestic deposits to total assets | 83.2888% | 4,817 |
| Equity capital to assets | 9.4207% | 4,920 |
| Core capital (leverage) ratio | 9.2423% | 4,455 |
| Tier 1 risk-based capital ratio | 15.8597% | 3,243 |
| Total risk-based capital ratio | 17.1104% | 3,219 |
| Memoranda: | ||
| Average total assets | $368,531,500 | 1,799 |
| Average earning assets | $344,059,500 | 1,757 |
| Average equity | $35,005,500 | 1,977 |
| Average total loans | $235,466,500 | 1,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 2,551 |
| Cost of funding earning assets | 1.1967% | 2,048 |
| Net interest margin | 3.8785% | 3,434 |
| Noninterest income to average assets | 0.5114% | 3,770 |
| Noninterest expense to average assets | 2.3580% | 5,887 |
| Loan and lease loss provision to assets | 0.1118% | 5,191 |
| Net operating income to assets | 1.2160% | 1,475 |
| Return on assets (ROA) | 1.2160% | 1,579 |
| Pretax return on assets | 1.6746% | 1,050 |
| Return on Equity (ROE) | 13.2061% | 1,123 |
| Retained earnings to average equity (ytd only) | 9.4104% | 696 |
| Net charge-offs to loans | 0.2313% | 4,333 |
| Credit loss provision to net charge-offs | 72.0721% | 4,773 |
| Earnings coverage of net charge-offs (x) | 11.5117% | 1,713 |
| Efficiency ratio | 56.8952% | 6,200 |
| Assets per employee ($millions) | 4.3957% | 3,072 |
| Cash dividends to net income (ytd only)* | 28.7422% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,808 |
| Loan loss allowance to noncurrent loans | 107.2411% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 5,164 |
| Noncurrent loans to loans | 1.0261% | 4,659 |
| Net loans and leases to total assets | 66.1015% | 2,763 |
| Net loans and leases to deposits | 79.7793% | 2,563 |
| Net loans and leases to core deposits | 82.1374% | 3,156 |
| Total domestic deposits to total assets | 82.8555% | 4,809 |
| Equity capital to assets | 9.5800% | 4,772 |
| Core capital (leverage) ratio | 9.0513% | 4,692 |
| Tier 1 risk-based capital ratio | 14.8973% | 3,700 |
| Total risk-based capital ratio | 16.0979% | 3,702 |
| Memoranda: | ||
| Average total assets | $357,634,200 | 1,812 |
| Average earning assets | $335,000,000 | 1,769 |
| Average equity | $32,931,800 | 2,025 |
| Average total loans | $239,916,800 | 1,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 2,814 |
| Cost of funding earning assets | 1.2391% | 2,070 |
| Net interest margin | 3.8189% | 3,773 |
| Noninterest income to average assets | 0.4296% | 4,444 |
| Noninterest expense to average assets | 2.3795% | 5,822 |
| Loan and lease loss provision to assets | 0.0964% | 5,253 |
| Net operating income to assets | 1.1289% | 1,881 |
| Return on assets (ROA) | 1.1289% | 2,004 |
| Pretax return on assets | 1.5446% | 1,532 |
| Return on Equity (ROE) | 12.3854% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.3854% | 456 |
| Net charge-offs to loans | 0.1419% | 4,649 |
| Credit loss provision to net charge-offs | 101.1765% | 3,315 |
| Earnings coverage of net charge-offs (x) | 17.2275% | 1,356 |
| Efficiency ratio | 59.1842% | 5,836 |
| Assets per employee ($millions) | 4.4289% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,583 |
| Loan loss allowance to noncurrent loans | 126.4176% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 5,508 |
| Noncurrent loans to loans | 0.9262% | 5,027 |
| Net loans and leases to total assets | 65.2825% | 3,058 |
| Net loans and leases to deposits | 78.3453% | 2,911 |
| Net loans and leases to core deposits | 81.8202% | 3,352 |
| Total domestic deposits to total assets | 83.3266% | 4,549 |
| Equity capital to assets | 9.5228% | 5,045 |
| Core capital (leverage) ratio | 9.0725% | 4,820 |
| Tier 1 risk-based capital ratio | 14.9657% | 3,677 |
| Total risk-based capital ratio | 16.2170% | 3,652 |
| Memoranda: | ||
| Average total assets | $356,931,000 | 1,821 |
| Average earning assets | $335,617,500 | 1,776 |
| Average equity | $32,532,000 | 2,041 |
| Average total loans | $239,668,000 | 1,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 2,973 |
| Cost of funding earning assets | 1.2775% | 2,074 |
| Net interest margin | 3.7620% | 3,981 |
| Noninterest income to average assets | 0.4334% | 4,405 |
| Noninterest expense to average assets | 2.4529% | 5,694 |
| Loan and lease loss provision to assets | 0.0575% | 5,598 |
| Net operating income to assets | 1.0833% | 1,921 |
| Return on assets (ROA) | 1.0833% | 2,018 |
| Pretax return on assets | 1.4784% | 1,592 |
| Return on Equity (ROE) | 12.0698% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.0698% | 509 |
| Net charge-offs to loans | 0.1185% | 4,522 |
| Credit loss provision to net charge-offs | 71.8310% | 4,014 |
| Earnings coverage of net charge-offs (x) | 19.1901% | 1,225 |
| Efficiency ratio | 61.4950% | 5,657 |
| Assets per employee ($millions) | 4.3333% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,710 |
| Loan loss allowance to noncurrent loans | 127.4067% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 5,585 |
| Noncurrent loans to loans | 0.9120% | 5,141 |
| Net loans and leases to total assets | 65.4133% | 3,162 |
| Net loans and leases to deposits | 78.3432% | 3,069 |
| Net loans and leases to core deposits | 81.5553% | 3,566 |
| Total domestic deposits to total assets | 83.4958% | 4,549 |
| Equity capital to assets | 9.2135% | 5,258 |
| Core capital (leverage) ratio | 8.8818% | 4,913 |
| Tier 1 risk-based capital ratio | 14.5984% | 3,730 |
| Total risk-based capital ratio | 15.8494% | 3,699 |
| Memoranda: | ||
| Average total assets | $354,851,000 | 1,848 |
| Average earning assets | $335,351,000 | 1,784 |
| Average equity | $31,848,000 | 2,075 |
| Average total loans | $239,592,000 | 1,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 2,838 |
| Cost of funding earning assets | 1.3163% | 2,091 |
| Net interest margin | 3.7373% | 3,906 |
| Noninterest income to average assets | 0.4358% | 4,409 |
| Noninterest expense to average assets | 2.3970% | 5,890 |
| Loan and lease loss provision to assets | 0.1430% | 4,222 |
| Net operating income to assets | 1.0453% | 2,016 |
| Return on assets (ROA) | 1.0453% | 2,070 |
| Pretax return on assets | 1.4243% | 1,659 |
| Return on Equity (ROE) | 11.8066% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.8066% | 765 |
| Net charge-offs to loans | 0.1365% | 3,699 |
| Credit loss provision to net charge-offs | 153.6585% | 1,867 |
| Earnings coverage of net charge-offs (x) | 16.8415% | 1,247 |
| Efficiency ratio | 60.4638% | 5,906 |
| Assets per employee ($millions) | 4.3002% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,682 |
| Loan loss allowance to noncurrent loans | 120.3039% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 5,563 |
| Noncurrent loans to loans | 0.9896% | 5,061 |
| Net loans and leases to total assets | 66.2760% | 2,938 |
| Net loans and leases to deposits | 79.0728% | 2,878 |
| Net loans and leases to core deposits | 82.4823% | 3,384 |
| Total domestic deposits to total assets | 83.8165% | 4,561 |
| Equity capital to assets | 8.8900% | 5,365 |
| Core capital (leverage) ratio | 8.7506% | 4,997 |
| Tier 1 risk-based capital ratio | 14.1443% | 3,975 |
| Total risk-based capital ratio | 15.3949% | 3,950 |
| Memoranda: | ||
| Average total assets | $352,443,000 | 1,871 |
| Average earning assets | $332,753,000 | 1,803 |
| Average equity | $31,203,000 | 2,100 |
| Average total loans | $240,370,000 | 1,795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 2,660 |
| Cost of funding earning assets | 1.5860% | 2,155 |
| Net interest margin | 3.8167% | 3,882 |
| Noninterest income to average assets | 0.5111% | 4,088 |
| Noninterest expense to average assets | 2.4068% | 6,079 |
| Loan and lease loss provision to assets | 0.1436% | 5,747 |
| Net operating income to assets | 1.1363% | 1,591 |
| Return on assets (ROA) | 1.1370% | 1,666 |
| Pretax return on assets | 1.5541% | 1,232 |
| Return on Equity (ROE) | 13.5421% | 976 |
| Retained earnings to average equity (ytd only) | 13.5421% | 184 |
| Net charge-offs to loans | 0.1876% | 5,179 |
| Credit loss provision to net charge-offs | 110.7383% | 3,972 |
| Earnings coverage of net charge-offs (x) | 13.0872% | 1,443 |
| Efficiency ratio | 58.6514% | 6,255 |
| Assets per employee ($millions) | 4.1425% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,676 |
| Loan loss allowance to noncurrent loans | 121.3143% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 5,593 |
| Noncurrent loans to loans | 0.9584% | 5,134 |
| Net loans and leases to total assets | 68.5503% | 2,854 |
| Net loans and leases to deposits | 81.9130% | 2,823 |
| Net loans and leases to core deposits | 84.8247% | 3,479 |
| Total domestic deposits to total assets | 83.6867% | 4,508 |
| Equity capital to assets | 8.8158% | 5,407 |
| Core capital (leverage) ratio | 8.3858% | 5,566 |
| Tier 1 risk-based capital ratio | 13.7196% | 4,045 |
| Total risk-based capital ratio | 14.9702% | 4,023 |
| Memoranda: | ||
| Average total assets | $344,772,800 | 1,892 |
| Average earning assets | $324,525,000 | 1,838 |
| Average equity | $28,946,800 | 2,245 |
| Average total loans | $238,309,800 | 1,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 2,809 |
| Cost of funding earning assets | 1.6275% | 2,235 |
| Net interest margin | 3.7884% | 4,018 |
| Noninterest income to average assets | 0.5086% | 4,110 |
| Noninterest expense to average assets | 2.4226% | 5,961 |
| Loan and lease loss provision to assets | 0.1465% | 5,574 |
| Net operating income to assets | 1.1024% | 1,876 |
| Return on assets (ROA) | 1.1024% | 1,982 |
| Pretax return on assets | 1.5043% | 1,606 |
| Return on Equity (ROE) | 13.2982% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.2982% | 319 |
| Net charge-offs to loans | 0.2032% | 4,724 |
| Credit loss provision to net charge-offs | 104.4199% | 4,109 |
| Earnings coverage of net charge-offs (x) | 11.7653% | 1,754 |
| Efficiency ratio | 59.4728% | 6,034 |
| Assets per employee ($millions) | 4.1367% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,641 |
| Loan loss allowance to noncurrent loans | 143.2112% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 5,963 |
| Noncurrent loans to loans | 0.8141% | 5,591 |
| Net loans and leases to total assets | 66.8767% | 3,494 |
| Net loans and leases to deposits | 80.2453% | 3,405 |
| Net loans and leases to core deposits | 82.3273% | 4,194 |
| Total domestic deposits to total assets | 83.3404% | 4,441 |
| Equity capital to assets | 8.5868% | 6,176 |
| Core capital (leverage) ratio | 8.2801% | 5,910 |
| Tier 1 risk-based capital ratio | 13.2450% | 4,392 |
| Total risk-based capital ratio | 14.4954% | 4,362 |
| Memoranda: | ||
| Average total assets | $343,974,000 | 1,925 |
| Average earning assets | $323,678,750 | 1,863 |
| Average equity | $28,514,500 | 2,309 |
| Average total loans | $237,552,500 | 1,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 2,859 |
| Cost of funding earning assets | 1.6681% | 2,294 |
| Net interest margin | 3.7591% | 4,096 |
| Noninterest income to average assets | 0.4926% | 4,174 |
| Noninterest expense to average assets | 2.4404% | 5,943 |
| Loan and lease loss provision to assets | 0.1476% | 5,425 |
| Net operating income to assets | 1.0620% | 1,975 |
| Return on assets (ROA) | 1.0620% | 2,049 |
| Pretax return on assets | 1.4410% | 1,723 |
| Return on Equity (ROE) | 12.9708% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.9708% | 383 |
| Net charge-offs to loans | 0.1592% | 4,670 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 14.3492% | 1,528 |
| Efficiency ratio | 60.5699% | 5,936 |
| Assets per employee ($millions) | 4.0237% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,552 |
| Loan loss allowance to noncurrent loans | 181.0655% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 6,310 |
| Noncurrent loans to loans | 0.6520% | 5,952 |
| Net loans and leases to total assets | 69.0398% | 3,124 |
| Net loans and leases to deposits | 82.9602% | 3,082 |
| Net loans and leases to core deposits | 85.2764% | 3,940 |
| Total domestic deposits to total assets | 83.2204% | 4,482 |
| Equity capital to assets | 8.4522% | 6,229 |
| Core capital (leverage) ratio | 8.1008% | 6,114 |
| Tier 1 risk-based capital ratio | 12.9047% | 4,522 |
| Total risk-based capital ratio | 14.1556% | 4,476 |
| Memoranda: | ||
| Average total assets | $341,424,330 | 1,956 |
| Average earning assets | $321,194,670 | 1,887 |
| Average equity | $27,955,000 | 2,339 |
| Average total loans | $237,427,330 | 1,886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 3,189 |
| Cost of funding earning assets | 1.6952% | 2,418 |
| Net interest margin | 3.6758% | 4,367 |
| Noninterest income to average assets | 0.4784% | 4,211 |
| Noninterest expense to average assets | 2.4319% | 5,977 |
| Loan and lease loss provision to assets | 0.1477% | 5,068 |
| Net operating income to assets | 1.0026% | 2,172 |
| Return on assets (ROA) | 1.0026% | 2,238 |
| Pretax return on assets | 1.3567% | 1,887 |
| Return on Equity (ROE) | 12.4461% | 1,380 |
| Retained earnings to average equity (ytd only) | 12.4461% | 688 |
| Net charge-offs to loans | 0.0946% | 4,468 |
| Credit loss provision to net charge-offs | 225.0000% | 1,681 |
| Earnings coverage of net charge-offs (x) | 22.9107% | 1,071 |
| Efficiency ratio | 61.7814% | 5,872 |
| Assets per employee ($millions) | 4.0985% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,521 |
| Loan loss allowance to noncurrent loans | 380.6191% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,918 |
| Noncurrent loans to loans | 0.3146% | 6,681 |
| Net loans and leases to total assets | 67.7740% | 3,445 |
| Net loans and leases to deposits | 81.2056% | 3,428 |
| Net loans and leases to core deposits | 83.5948% | 4,259 |
| Total domestic deposits to total assets | 83.4597% | 4,405 |
| Equity capital to assets | 8.1104% | 6,531 |
| Core capital (leverage) ratio | 7.9431% | 6,321 |
| Tier 1 risk-based capital ratio | 12.5185% | 4,728 |
| Total risk-based capital ratio | 13.7694% | 4,684 |
| Memoranda: | ||
| Average total assets | $341,128,500 | 2,012 |
| Average earning assets | $320,910,500 | 1,940 |
| Average equity | $27,478,500 | 2,407 |
| Average total loans | $236,667,000 | 1,948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,617 |
| Cost of funding earning assets | 1.8528% | 3,722 |
| Net interest margin | 3.9569% | 3,045 |
| Noninterest income to average assets | 0.5234% | 4,231 |
| Noninterest expense to average assets | 2.5155% | 6,073 |
| Loan and lease loss provision to assets | 0.0999% | 6,629 |
| Net operating income to assets | 1.1796% | 1,301 |
| Return on assets (ROA) | 1.1871% | 1,326 |
| Pretax return on assets | 1.6388% | 884 |
| Return on Equity (ROE) | 14.1342% | 760 |
| Retained earnings to average equity (ytd only) | 3.8280% | 2,520 |
| Net charge-offs to loans | 0.1605% | 5,668 |
| Credit loss provision to net charge-offs | 86.5952% | 6,113 |
| Earnings coverage of net charge-offs (x) | 14.9866% | 1,335 |
| Efficiency ratio | 59.2773% | 6,583 |
| Assets per employee ($millions) | 3.9763% | 3,857 |
| Cash dividends to net income (ytd only)* | 72.9167% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,570 |
| Loan loss allowance to noncurrent loans | 186.7299% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 6,366 |
| Noncurrent loans to loans | 0.6227% | 5,995 |
| Net loans and leases to total assets | 69.3584% | 3,405 |
| Net loans and leases to deposits | 83.0346% | 3,441 |
| Net loans and leases to core deposits | 92.9747% | 4,781 |
| Total domestic deposits to total assets | 83.5296% | 4,266 |
| Equity capital to assets | 7.9989% | 6,580 |
| Core capital (leverage) ratio | 7.6895% | 6,567 |
| Tier 1 risk-based capital ratio | 12.1763% | 4,793 |
| Total risk-based capital ratio | 13.4271% | 4,756 |
| Memoranda: | ||
| Average total assets | $323,469,000 | 2,099 |
| Average earning assets | $304,129,600 | 2,044 |
| Average equity | $27,168,200 | 2,429 |
| Average total loans | $232,408,600 | 2,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 2,630 |
| Cost of funding earning assets | 1.8736% | 4,025 |
| Net interest margin | 3.9861% | 2,874 |
| Noninterest income to average assets | 0.5244% | 4,287 |
| Noninterest expense to average assets | 2.5470% | 5,907 |
| Loan and lease loss provision to assets | 0.0863% | 6,503 |
| Net operating income to assets | 1.1862% | 1,500 |
| Return on assets (ROA) | 1.1964% | 1,536 |
| Pretax return on assets | 1.6533% | 1,062 |
| Return on Equity (ROE) | 14.0675% | 916 |
| Retained earnings to average equity (ytd only) | 14.0675% | 188 |
| Net charge-offs to loans | 0.1609% | 5,105 |
| Credit loss provision to net charge-offs | 74.1935% | 5,901 |
| Earnings coverage of net charge-offs (x) | 14.8352% | 1,571 |
| Efficiency ratio | 59.6156% | 6,467 |
| Assets per employee ($millions) | 3.9078% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,211 |
| Loan loss allowance to noncurrent loans | 237.5868% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 6,584 |
| Noncurrent loans to loans | 0.4976% | 6,316 |
| Net loans and leases to total assets | 69.6893% | 3,580 |
| Net loans and leases to deposits | 84.6515% | 3,544 |
| Net loans and leases to core deposits | 94.1015% | 5,002 |
| Total domestic deposits to total assets | 82.3250% | 4,533 |
| Equity capital to assets | 8.7981% | 5,797 |
| Core capital (leverage) ratio | 8.4937% | 5,508 |
| Tier 1 risk-based capital ratio | 13.4670% | 3,874 |
| Total risk-based capital ratio | 14.7181% | 3,813 |
| Memoranda: | ||
| Average total assets | $319,840,750 | 2,124 |
| Average earning assets | $300,739,000 | 2,086 |
| Average equity | $27,201,500 | 2,456 |
| Average total loans | $231,216,500 | 2,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 2,471 |
| Cost of funding earning assets | 1.8917% | 4,306 |
| Net interest margin | 4.0350% | 2,556 |
| Noninterest income to average assets | 0.5324% | 4,163 |
| Noninterest expense to average assets | 2.5953% | 5,759 |
| Loan and lease loss provision to assets | 0.0871% | 6,297 |
| Net operating income to assets | 1.1890% | 1,505 |
| Return on assets (ROA) | 1.1885% | 1,592 |
| Pretax return on assets | 1.6415% | 1,127 |
| Return on Equity (ROE) | 14.1431% | 967 |
| Retained earnings to average equity (ytd only) | 14.1431% | 250 |
| Net charge-offs to loans | 0.1333% | 4,826 |
| Credit loss provision to net charge-offs | 89.6104% | 4,940 |
| Earnings coverage of net charge-offs (x) | 17.7987% | 1,453 |
| Efficiency ratio | 60.0146% | 6,547 |
| Assets per employee ($millions) | 3.9320% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 4,786 |
| Loan loss allowance to noncurrent loans | 196.0000% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 6,349 |
| Noncurrent loans to loans | 0.6248% | 6,000 |
| Net loans and leases to total assets | 69.8700% | 3,734 |
| Net loans and leases to deposits | 84.6536% | 3,769 |
| Net loans and leases to core deposits | 94.3114% | 5,081 |
| Total domestic deposits to total assets | 82.5364% | 4,458 |
| Equity capital to assets | 8.5047% | 6,040 |
| Core capital (leverage) ratio | 8.3531% | 5,706 |
| Tier 1 risk-based capital ratio | 13.1258% | 4,051 |
| Total risk-based capital ratio | 14.3775% | 3,971 |
| Memoranda: | ||
| Average total assets | $317,036,330 | 2,162 |
| Average earning assets | $297,940,000 | 2,129 |
| Average equity | $26,642,000 | 2,508 |
| Average total loans | $231,123,670 | 2,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 2,289 |
| Cost of funding earning assets | 1.9097% | 4,579 |
| Net interest margin | 4.1073% | 2,245 |
| Noninterest income to average assets | 0.5294% | 4,066 |
| Noninterest expense to average assets | 2.5055% | 5,828 |
| Loan and lease loss provision to assets | 0.0878% | 5,839 |
| Net operating income to assets | 1.2805% | 1,431 |
| Return on assets (ROA) | 1.2814% | 1,529 |
| Pretax return on assets | 1.7853% | 1,008 |
| Return on Equity (ROE) | 15.3433% | 913 |
| Retained earnings to average equity (ytd only) | 15.3433% | 378 |
| Net charge-offs to loans | 0.1358% | 3,874 |
| Credit loss provision to net charge-offs | 87.3418% | 4,056 |
| Earnings coverage of net charge-offs (x) | 18.6203% | 1,458 |
| Efficiency ratio | 57.2384% | 6,798 |
| Assets per employee ($millions) | 3.8890% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,668 |
| Loan loss allowance to noncurrent loans | 475.2122% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 6,789 |
| Noncurrent loans to loans | 0.2567% | 6,795 |
| Net loans and leases to total assets | 71.9508% | 3,245 |
| Net loans and leases to deposits | 87.6624% | 3,347 |
| Net loans and leases to core deposits | 97.0029% | 4,846 |
| Total domestic deposits to total assets | 82.0771% | 4,516 |
| Equity capital to assets | 8.5029% | 6,066 |
| Core capital (leverage) ratio | 8.3158% | 5,878 |
| Tier 1 risk-based capital ratio | 12.7369% | 4,359 |
| Total risk-based capital ratio | 13.9882% | 4,279 |
| Memoranda: | ||
| Average total assets | $314,344,500 | 2,189 |
| Average earning assets | $294,497,000 | 2,156 |
| Average equity | $26,252,500 | 2,551 |
| Average total loans | $232,651,500 | 2,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3146% | 3,883 |
| Cost of funding earning assets | 2.2218% | 5,500 |
| Net interest margin | 4.0929% | 2,742 |
| Noninterest income to average assets | 0.6839% | 3,222 |
| Noninterest expense to average assets | 2.4825% | 6,082 |
| Loan and lease loss provision to assets | 0.0379% | 6,937 |
| Net operating income to assets | 1.4500% | 1,125 |
| Return on assets (ROA) | 1.4682% | 1,041 |
| Pretax return on assets | 1.9878% | 623 |
| Return on Equity (ROE) | 17.2918% | 600 |
| Retained earnings to average equity (ytd only) | 1.2667% | 4,461 |
| Net charge-offs to loans | 0.1464% | 4,747 |
| Credit loss provision to net charge-offs | 33.9130% | 6,498 |
| Earnings coverage of net charge-offs (x) | 17.9043% | 1,738 |
| Efficiency ratio | 55.3685% | 7,102 |
| Assets per employee ($millions) | 3.7793% | 4,004 |
| Cash dividends to net income (ytd only)* | 92.6743% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 4,614 |
| Loan loss allowance to noncurrent loans | 274.0488% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 6,039 |
| Noncurrent loans to loans | 0.4346% | 6,047 |
| Net loans and leases to total assets | 74.2934% | 3,033 |
| Net loans and leases to deposits | 90.0729% | 3,442 |
| Net loans and leases to core deposits | 99.7078% | 4,850 |
| Total domestic deposits to total assets | 82.4814% | 4,004 |
| Equity capital to assets | 8.1995% | 6,553 |
| Core capital (leverage) ratio | 7.9198% | 6,620 |
| Tier 1 risk-based capital ratio | 12.0902% | 4,745 |
| Total risk-based capital ratio | 13.3418% | 4,630 |
| Memoranda: | ||
| Average total assets | $308,681,600 | 2,158 |
| Average earning assets | $286,572,400 | 2,122 |
| Average equity | $26,209,000 | 2,537 |
| Average total loans | $235,691,400 | 2,006 |