Home > Hancock Bank & Trust Company > Performance and Condition Ratios
Hancock Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.8139% | 1,989 |
| Cost of funding earning assets | 0.7378% | 328 |
| Net interest margin | 3.0762% | 3,111 |
| Noninterest income to average assets | 0.9456% | 1,160 |
| Noninterest expense to average assets | 3.2538% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5025% | 4,200 |
| Return on assets (ROA) | 0.5029% | 4,242 |
| Pretax return on assets | 0.5029% | 4,366 |
| Return on Equity (ROE) | 4.8986% | 4,139 |
| Retained earnings to average equity (ytd only) | -0.5977% | 4,625 |
| Net charge-offs to loans | -0.0352% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3528% | 457 |
| Assets per employee ($millions) | 4.4509% | 4,158 |
| Cash dividends to net income (ytd only)* | 112.2010% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,991 |
| Loan loss allowance to noncurrent loans | 474.1776% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,894 |
| Noncurrent loans to loans | 0.2528% | 2,921 |
| Net loans and leases to total assets | 71.1836% | 962 |
| Net loans and leases to deposits | 84.3538% | 940 |
| Net loans and leases to core deposits | 88.3735% | 1,131 |
| Total domestic deposits to total assets | 84.3870% | 3,340 |
| Equity capital to assets | 10.1619% | 2,747 |
| Core capital (leverage) ratio | 10.2940% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,485,250 | 2,302 |
| Average earning assets | $303,791,500 | 2,338 |
| Average equity | $34,131,250 | 2,359 |
| Average total loans | $246,376,250 | 1,982 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 2,097 |
| Cost of funding earning assets | 0.7735% | 329 |
| Net interest margin | 3.0168% | 3,278 |
| Noninterest income to average assets | 0.9643% | 1,132 |
| Noninterest expense to average assets | 3.1689% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5511% | 4,107 |
| Return on assets (ROA) | 0.5517% | 4,150 |
| Pretax return on assets | 0.5517% | 4,310 |
| Return on Equity (ROE) | 5.3566% | 4,068 |
| Retained earnings to average equity (ytd only) | -1.1111% | 4,615 |
| Net charge-offs to loans | -0.0362% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9054% | 558 |
| Assets per employee ($millions) | 4.2251% | 4,311 |
| Cash dividends to net income (ytd only)* | 120.7424% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,207 |
| Loan loss allowance to noncurrent loans | 122.2127% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 1,170 |
| Noncurrent loans to loans | 0.9387% | 1,314 |
| Net loans and leases to total assets | 73.8614% | 771 |
| Net loans and leases to deposits | 86.6457% | 873 |
| Net loans and leases to core deposits | 90.8827% | 1,077 |
| Total domestic deposits to total assets | 85.2453% | 3,001 |
| Equity capital to assets | 10.1774% | 2,698 |
| Core capital (leverage) ratio | 10.2358% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,041,333 | 2,294 |
| Average earning assets | $303,305,333 | 2,331 |
| Average equity | $34,201,000 | 2,348 |
| Average total loans | $248,333,000 | 1,973 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 2,137 |
| Cost of funding earning assets | 0.7964% | 355 |
| Net interest margin | 2.9890% | 3,286 |
| Noninterest income to average assets | 0.8841% | 1,373 |
| Noninterest expense to average assets | 3.1488% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4686% | 4,238 |
| Return on assets (ROA) | 0.4686% | 4,275 |
| Pretax return on assets | 0.4686% | 4,397 |
| Return on Equity (ROE) | 4.5226% | 4,182 |
| Retained earnings to average equity (ytd only) | 1.4454% | 4,133 |
| Net charge-offs to loans | -0.0355% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7429% | 520 |
| Assets per employee ($millions) | 4.2618% | 4,300 |
| Cash dividends to net income (ytd only)* | 68.0412% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,055 |
| Loan loss allowance to noncurrent loans | 631.1111% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 3,506 |
| Noncurrent loans to loans | 0.1864% | 3,440 |
| Net loans and leases to total assets | 70.8411% | 1,177 |
| Net loans and leases to deposits | 83.7648% | 1,172 |
| Net loans and leases to core deposits | 87.7734% | 1,389 |
| Total domestic deposits to total assets | 84.5714% | 3,257 |
| Equity capital to assets | 10.1697% | 2,541 |
| Core capital (leverage) ratio | 10.2209% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,172,500 | 2,278 |
| Average earning assets | $302,847,000 | 2,313 |
| Average equity | $34,316,500 | 2,339 |
| Average total loans | $247,802,000 | 1,978 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,304 |
| Cost of funding earning assets | 0.9816% | 638 |
| Net interest margin | 3.5224% | 2,401 |
| Noninterest income to average assets | 1.0503% | 960 |
| Noninterest expense to average assets | 3.4675% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7758% | 3,178 |
| Return on assets (ROA) | 0.7758% | 3,311 |
| Pretax return on assets | 0.7758% | 3,690 |
| Return on Equity (ROE) | 7.1055% | 3,170 |
| Retained earnings to average equity (ytd only) | 2.9445% | 3,394 |
| Net charge-offs to loans | 0.1767% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.5818% | 2,852 |
| Efficiency ratio | 80.4914% | 852 |
| Assets per employee ($millions) | 3.9236% | 4,428 |
| Cash dividends to net income (ytd only)* | 58.5601% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,426 |
| Loan loss allowance to noncurrent loans | 1,002.4911% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,898 |
| Noncurrent loans to loans | 0.1105% | 3,849 |
| Net loans and leases to total assets | 77.2081% | 675 |
| Net loans and leases to deposits | 91.9139% | 784 |
| Net loans and leases to core deposits | 96.2342% | 1,105 |
| Total domestic deposits to total assets | 84.0004% | 3,107 |
| Equity capital to assets | 10.5610% | 2,616 |
| Core capital (leverage) ratio | 11.3727% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,920,600 | 2,255 |
| Average earning assets | $279,131,400 | 2,294 |
| Average equity | $33,622,000 | 2,312 |
| Average total loans | $242,273,200 | 1,956 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 1,268 |
| Cost of funding earning assets | 1.0249% | 701 |
| Net interest margin | 3.5884% | 2,312 |
| Noninterest income to average assets | 1.1405% | 809 |
| Noninterest expense to average assets | 3.4531% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9345% | 2,585 |
| Return on assets (ROA) | 0.9345% | 2,712 |
| Pretax return on assets | 0.9345% | 3,286 |
| Return on Equity (ROE) | 8.4834% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.8778% | 2,616 |
| Net charge-offs to loans | 0.2730% | 573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.3408% | 2,832 |
| Efficiency ratio | 77.5008% | 1,087 |
| Assets per employee ($millions) | 3.7515% | 4,518 |
| Cash dividends to net income (ytd only)* | 42.5012% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,244 |
| Loan loss allowance to noncurrent loans | 1,405.1020% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,133 |
| Noncurrent loans to loans | 0.0778% | 4,060 |
| Net loans and leases to total assets | 78.1223% | 816 |
| Net loans and leases to deposits | 91.8935% | 1,080 |
| Net loans and leases to core deposits | 96.0747% | 1,455 |
| Total domestic deposits to total assets | 85.0140% | 2,427 |
| Equity capital to assets | 10.8694% | 2,501 |
| Core capital (leverage) ratio | 11.4404% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,486,000 | 2,261 |
| Average earning assets | $274,616,750 | 2,300 |
| Average equity | $33,429,250 | 2,308 |
| Average total loans | $239,278,500 | 1,976 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 1,353 |
| Cost of funding earning assets | 1.0801% | 757 |
| Net interest margin | 3.6430% | 2,337 |
| Noninterest income to average assets | 0.7139% | 1,692 |
| Noninterest expense to average assets | 3.4878% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5182% | 3,962 |
| Return on assets (ROA) | 0.5182% | 4,048 |
| Pretax return on assets | 0.5182% | 4,221 |
| Return on Equity (ROE) | 4.6822% | 3,924 |
| Retained earnings to average equity (ytd only) | -0.7935% | 4,443 |
| Net charge-offs to loans | 0.4126% | 383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.5938% | 2,843 |
| Efficiency ratio | 85.7262% | 551 |
| Assets per employee ($millions) | 3.8536% | 4,431 |
| Cash dividends to net income (ytd only)* | 116.9470% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,094.8413% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,067 |
| Noncurrent loans to loans | 0.1000% | 4,054 |
| Net loans and leases to total assets | 78.8893% | 739 |
| Net loans and leases to deposits | 93.8683% | 974 |
| Net loans and leases to core deposits | 97.1970% | 1,482 |
| Total domestic deposits to total assets | 84.0425% | 2,736 |
| Equity capital to assets | 10.5277% | 2,728 |
| Core capital (leverage) ratio | 10.6141% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,355,667 | 2,266 |
| Average earning assets | $269,614,000 | 2,306 |
| Average equity | $33,019,000 | 2,318 |
| Average total loans | $235,082,000 | 1,982 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 974 |
| Cost of funding earning assets | 1.1837% | 816 |
| Net interest margin | 3.8147% | 1,921 |
| Noninterest income to average assets | 0.7529% | 1,460 |
| Noninterest expense to average assets | 3.6362% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5540% | 3,725 |
| Return on assets (ROA) | 0.5540% | 3,787 |
| Pretax return on assets | 0.5540% | 4,022 |
| Return on Equity (ROE) | 4.8761% | 3,679 |
| Retained earnings to average equity (ytd only) | -3.1129% | 4,368 |
| Net charge-offs to loans | 0.8350% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.8478% | 2,437 |
| Efficiency ratio | 85.4599% | 736 |
| Assets per employee ($millions) | 3.4136% | 4,550 |
| Cash dividends to net income (ytd only)* | 163.8404% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,504 |
| Loan loss allowance to noncurrent loans | 708.6957% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 3,965 |
| Noncurrent loans to loans | 0.1738% | 3,849 |
| Net loans and leases to total assets | 76.5660% | 1,200 |
| Net loans and leases to deposits | 93.2944% | 1,149 |
| Net loans and leases to core deposits | 96.7242% | 1,731 |
| Total domestic deposits to total assets | 82.0692% | 3,401 |
| Equity capital to assets | 11.3136% | 2,583 |
| Core capital (leverage) ratio | 10.8214% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,535,500 | 2,267 |
| Average earning assets | $260,882,500 | 2,317 |
| Average equity | $32,895,000 | 2,309 |
| Average total loans | $226,600,000 | 2,010 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 1,276 |
| Cost of funding earning assets | 1.1608% | 1,125 |
| Net interest margin | 3.9132% | 2,125 |
| Noninterest income to average assets | 0.7753% | 1,528 |
| Noninterest expense to average assets | 3.5433% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7472% | 3,708 |
| Return on assets (ROA) | 0.7455% | 3,792 |
| Pretax return on assets | 0.7455% | 4,099 |
| Return on Equity (ROE) | 6.6571% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.3334% | 3,858 |
| Net charge-offs to loans | -0.0370% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2939% | 848 |
| Assets per employee ($millions) | 3.5669% | 4,411 |
| Cash dividends to net income (ytd only)* | 64.9489% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,449 |
| Loan loss allowance to noncurrent loans | 311.3244% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 2,956 |
| Noncurrent loans to loans | 0.4565% | 2,810 |
| Net loans and leases to total assets | 77.8860% | 1,099 |
| Net loans and leases to deposits | 95.3601% | 1,010 |
| Net loans and leases to core deposits | 98.8951% | 1,662 |
| Total domestic deposits to total assets | 81.6756% | 3,592 |
| Equity capital to assets | 11.4092% | 2,610 |
| Core capital (leverage) ratio | 10.9710% | 2,524 |
| Tier 1 risk-based capital ratio | 14.5349% | 3,002 |
| Total risk-based capital ratio | 15.7880% | 2,907 |
| Memoranda: | ||
| Average total assets | $288,938,200 | 2,229 |
| Average earning assets | $259,559,400 | 2,280 |
| Average equity | $32,356,200 | 2,281 |
| Average total loans | $224,213,800 | 1,999 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 1,404 |
| Cost of funding earning assets | 1.1505% | 1,172 |
| Net interest margin | 3.9039% | 2,238 |
| Noninterest income to average assets | 0.8320% | 1,324 |
| Noninterest expense to average assets | 3.5854% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7508% | 3,846 |
| Return on assets (ROA) | 0.7485% | 3,917 |
| Pretax return on assets | 0.7485% | 4,244 |
| Return on Equity (ROE) | 6.7152% | 3,808 |
| Retained earnings to average equity (ytd only) | 1.9334% | 4,297 |
| Net charge-offs to loans | -0.0848% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4196% | 801 |
| Assets per employee ($millions) | 3.3764% | 4,614 |
| Cash dividends to net income (ytd only)* | 71.2084% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,387 |
| Loan loss allowance to noncurrent loans | 668.4211% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,889 |
| Noncurrent loans to loans | 0.2174% | 3,762 |
| Net loans and leases to total assets | 78.0237% | 1,139 |
| Net loans and leases to deposits | 96.4225% | 966 |
| Net loans and leases to core deposits | 99.9393% | 1,657 |
| Total domestic deposits to total assets | 80.9185% | 3,783 |
| Equity capital to assets | 11.4044% | 2,731 |
| Core capital (leverage) ratio | 10.9222% | 2,717 |
| Tier 1 risk-based capital ratio | 14.5739% | 3,035 |
| Total risk-based capital ratio | 15.8276% | 2,963 |
| Memoranda: | ||
| Average total assets | $288,943,750 | 2,239 |
| Average earning assets | $259,360,250 | 2,294 |
| Average equity | $32,204,500 | 2,301 |
| Average total loans | $223,200,000 | 2,017 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 1,548 |
| Cost of funding earning assets | 1.1069% | 1,275 |
| Net interest margin | 3.8681% | 2,349 |
| Noninterest income to average assets | 0.8025% | 1,340 |
| Noninterest expense to average assets | 3.5988% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6740% | 4,089 |
| Return on assets (ROA) | 0.6713% | 4,147 |
| Pretax return on assets | 0.6713% | 4,399 |
| Return on Equity (ROE) | 6.0694% | 4,028 |
| Retained earnings to average equity (ytd only) | 1.4986% | 4,292 |
| Net charge-offs to loans | 0.0325% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 27.1111% | 1,552 |
| Efficiency ratio | 82.9481% | 735 |
| Assets per employee ($millions) | 3.3464% | 4,666 |
| Cash dividends to net income (ytd only)* | 75.3086% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,680 |
| Loan loss allowance to noncurrent loans | 618.4158% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 3,885 |
| Noncurrent loans to loans | 0.2238% | 3,737 |
| Net loans and leases to total assets | 77.3324% | 1,340 |
| Net loans and leases to deposits | 94.4651% | 1,208 |
| Net loans and leases to core deposits | 99.5353% | 1,766 |
| Total domestic deposits to total assets | 81.8634% | 3,559 |
| Equity capital to assets | 11.2674% | 2,802 |
| Core capital (leverage) ratio | 10.8256% | 2,766 |
| Tier 1 risk-based capital ratio | 14.4109% | 3,109 |
| Total risk-based capital ratio | 15.6632% | 3,029 |
| Memoranda: | ||
| Average total assets | $289,593,330 | 2,239 |
| Average earning assets | $259,819,000 | 2,298 |
| Average equity | $32,029,330 | 2,301 |
| Average total loans | $221,858,000 | 2,036 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,644 |
| Cost of funding earning assets | 1.0583% | 1,346 |
| Net interest margin | 3.8241% | 2,440 |
| Noninterest income to average assets | 0.9790% | 859 |
| Noninterest expense to average assets | 3.5829% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8193% | 3,555 |
| Return on assets (ROA) | 0.8193% | 3,594 |
| Pretax return on assets | 0.8193% | 3,996 |
| Return on Equity (ROE) | 7.4771% | 3,465 |
| Retained earnings to average equity (ytd only) | 1.3949% | 4,223 |
| Net charge-offs to loans | -0.0036% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1689% | 1,051 |
| Assets per employee ($millions) | 3.4534% | 4,602 |
| Cash dividends to net income (ytd only)* | 81.3445% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,536 |
| Loan loss allowance to noncurrent loans | 1,255.1587% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,372 |
| Noncurrent loans to loans | 0.1148% | 4,226 |
| Net loans and leases to total assets | 73.6884% | 1,867 |
| Net loans and leases to deposits | 89.4902% | 1,692 |
| Net loans and leases to core deposits | 95.7170% | 1,952 |
| Total domestic deposits to total assets | 82.3424% | 3,633 |
| Equity capital to assets | 10.9236% | 2,924 |
| Core capital (leverage) ratio | 11.0633% | 2,516 |
| Tier 1 risk-based capital ratio | 14.5589% | 3,082 |
| Total risk-based capital ratio | 15.8117% | 3,000 |
| Memoranda: | ||
| Average total assets | $290,493,000 | 2,247 |
| Average earning assets | $260,035,500 | 2,315 |
| Average equity | $31,830,500 | 2,307 |
| Average total loans | $219,946,500 | 2,064 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 1,554 |
| Cost of funding earning assets | 0.8128% | 1,461 |
| Net interest margin | 3.9831% | 2,048 |
| Noninterest income to average assets | 0.6274% | 2,159 |
| Noninterest expense to average assets | 3.6142% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5774% | 4,478 |
| Return on assets (ROA) | 0.5774% | 4,483 |
| Pretax return on assets | 0.5774% | 4,666 |
| Return on Equity (ROE) | 5.2107% | 4,410 |
| Retained earnings to average equity (ytd only) | 0.8865% | 4,746 |
| Net charge-offs to loans | 0.0050% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 149.0909% | 566 |
| Efficiency ratio | 84.8816% | 591 |
| Assets per employee ($millions) | 3.4220% | 4,638 |
| Cash dividends to net income (ytd only)* | 82.9878% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,512 |
| Loan loss allowance to noncurrent loans | 523.3444% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 3,776 |
| Noncurrent loans to loans | 0.2740% | 3,591 |
| Net loans and leases to total assets | 75.5843% | 1,675 |
| Net loans and leases to deposits | 92.1133% | 1,536 |
| Net loans and leases to core deposits | 98.3914% | 1,841 |
| Total domestic deposits to total assets | 82.0558% | 3,626 |
| Equity capital to assets | 10.9920% | 2,697 |
| Core capital (leverage) ratio | 10.6977% | 2,839 |
| Tier 1 risk-based capital ratio | 14.5007% | 3,060 |
| Total risk-based capital ratio | 15.7535% | 2,977 |
| Memoranda: | ||
| Average total assets | $284,048,600 | 2,244 |
| Average earning assets | $254,170,800 | 2,309 |
| Average equity | $31,473,400 | 2,255 |
| Average total loans | $219,013,600 | 2,033 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,606 |
| Cost of funding earning assets | 0.7641% | 1,513 |
| Net interest margin | 3.9591% | 2,092 |
| Noninterest income to average assets | 0.5829% | 2,400 |
| Noninterest expense to average assets | 3.5687% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5588% | 4,623 |
| Return on assets (ROA) | 0.5588% | 4,626 |
| Pretax return on assets | 0.5588% | 4,803 |
| Return on Equity (ROE) | 5.0334% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.8439% | 4,893 |
| Net charge-offs to loans | -0.0006% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1032% | 569 |
| Assets per employee ($millions) | 3.4981% | 4,566 |
| Cash dividends to net income (ytd only)* | 83.2349% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,446 |
| Loan loss allowance to noncurrent loans | 424.6319% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,661 |
| Noncurrent loans to loans | 0.3467% | 3,410 |
| Net loans and leases to total assets | 73.1214% | 2,143 |
| Net loans and leases to deposits | 88.7882% | 2,052 |
| Net loans and leases to core deposits | 94.7464% | 2,229 |
| Total domestic deposits to total assets | 82.3548% | 3,505 |
| Equity capital to assets | 10.7293% | 2,914 |
| Core capital (leverage) ratio | 10.5491% | 3,039 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,165 |
| Total risk-based capital ratio | 15.6599% | 3,081 |
| Memoranda: | ||
| Average total assets | $283,199,250 | 2,257 |
| Average earning assets | $253,551,250 | 2,329 |
| Average equity | $31,442,750 | 2,257 |
| Average total loans | $218,660,750 | 2,044 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 1,398 |
| Cost of funding earning assets | 0.6913% | 1,671 |
| Net interest margin | 4.0526% | 1,692 |
| Noninterest income to average assets | 0.5726% | 2,463 |
| Noninterest expense to average assets | 3.5354% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6652% | 4,306 |
| Return on assets (ROA) | 0.6652% | 4,310 |
| Pretax return on assets | 0.6652% | 4,601 |
| Return on Equity (ROE) | 5.9227% | 4,266 |
| Retained earnings to average equity (ytd only) | 1.7185% | 4,561 |
| Net charge-offs to loans | 0.0200% | 2,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.4545% | 1,249 |
| Efficiency ratio | 82.8247% | 776 |
| Assets per employee ($millions) | 3.6148% | 4,450 |
| Cash dividends to net income (ytd only)* | 70.9850% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,692 |
| Loan loss allowance to noncurrent loans | 537.3720% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,981 |
| Noncurrent loans to loans | 0.2638% | 3,764 |
| Net loans and leases to total assets | 76.6904% | 1,531 |
| Net loans and leases to deposits | 95.4262% | 1,207 |
| Net loans and leases to core deposits | 102.0465% | 1,560 |
| Total domestic deposits to total assets | 80.3662% | 4,163 |
| Equity capital to assets | 11.0103% | 2,631 |
| Core capital (leverage) ratio | 10.7533% | 2,750 |
| Tier 1 risk-based capital ratio | 14.2077% | 3,263 |
| Total risk-based capital ratio | 15.4606% | 3,176 |
| Memoranda: | ||
| Average total assets | $280,817,000 | 2,284 |
| Average earning assets | $251,392,670 | 2,345 |
| Average equity | $31,539,670 | 2,254 |
| Average total loans | $219,722,000 | 2,036 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 1,490 |
| Cost of funding earning assets | 0.6560% | 1,688 |
| Net interest margin | 3.9712% | 1,812 |
| Noninterest income to average assets | 0.5761% | 2,390 |
| Noninterest expense to average assets | 3.4593% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6651% | 4,226 |
| Return on assets (ROA) | 0.6651% | 4,230 |
| Pretax return on assets | 0.6651% | 4,529 |
| Return on Equity (ROE) | 5.8629% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.2674% | 3,480 |
| Net charge-offs to loans | 0.0403% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.0455% | 1,441 |
| Efficiency ratio | 82.5148% | 903 |
| Assets per employee ($millions) | 3.7766% | 4,318 |
| Cash dividends to net income (ytd only)* | 27.2138% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,725 |
| Loan loss allowance to noncurrent loans | 278.9194% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,213 |
| Noncurrent loans to loans | 0.5131% | 2,978 |
| Net loans and leases to total assets | 77.5984% | 1,296 |
| Net loans and leases to deposits | 91.5699% | 1,497 |
| Net loans and leases to core deposits | 97.6803% | 1,856 |
| Total domestic deposits to total assets | 84.7422% | 3,020 |
| Equity capital to assets | 11.3021% | 2,296 |
| Core capital (leverage) ratio | 11.0003% | 2,437 |
| Tier 1 risk-based capital ratio | 14.3067% | 3,224 |
| Total risk-based capital ratio | 15.5595% | 3,137 |
| Memoranda: | ||
| Average total assets | $278,441,000 | 2,313 |
| Average earning assets | $248,793,500 | 2,389 |
| Average equity | $31,588,500 | 2,265 |
| Average total loans | $218,506,500 | 2,054 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 1,478 |
| Cost of funding earning assets | 0.6052% | 1,563 |
| Net interest margin | 3.9787% | 1,815 |
| Noninterest income to average assets | 0.6087% | 2,408 |
| Noninterest expense to average assets | 3.5423% | 967 |
| Loan and lease loss provision to assets | 0.0214% | 3,872 |
| Net operating income to assets | 0.5912% | 4,049 |
| Return on assets (ROA) | 0.5912% | 4,089 |
| Pretax return on assets | 0.5912% | 4,758 |
| Return on Equity (ROE) | 5.3004% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.6772% | 4,295 |
| Net charge-offs to loans | 0.0531% | 2,743 |
| Credit loss provision to net charge-offs | 51.7241% | 3,308 |
| Earnings coverage of net charge-offs (x) | 14.7931% | 2,302 |
| Efficiency ratio | 83.8117% | 786 |
| Assets per employee ($millions) | 3.4676% | 4,744 |
| Cash dividends to net income (ytd only)* | 68.3575% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 1,541 |
| Loan loss allowance to noncurrent loans | 755.0000% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 4,382 |
| Noncurrent loans to loans | 0.1935% | 4,141 |
| Net loans and leases to total assets | 77.0799% | 1,417 |
| Net loans and leases to deposits | 91.8868% | 1,541 |
| Net loans and leases to core deposits | 98.2652% | 1,847 |
| Total domestic deposits to total assets | 83.8856% | 3,249 |
| Equity capital to assets | 11.3878% | 2,296 |
| Core capital (leverage) ratio | 10.9275% | 2,401 |
| Tier 1 risk-based capital ratio | 14.4317% | 3,121 |
| Total risk-based capital ratio | 15.6847% | 3,036 |
| Memoranda: | ||
| Average total assets | $280,099,000 | 2,287 |
| Average earning assets | $249,656,600 | 2,349 |
| Average equity | $31,243,000 | 2,276 |
| Average total loans | $218,290,000 | 2,013 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 1,500 |
| Cost of funding earning assets | 0.5841% | 1,651 |
| Net interest margin | 3.9670% | 1,812 |
| Noninterest income to average assets | 0.6164% | 2,385 |
| Noninterest expense to average assets | 3.5378% | 937 |
| Loan and lease loss provision to assets | 0.0285% | 3,560 |
| Net operating income to assets | 0.5850% | 4,437 |
| Return on assets (ROA) | 0.5850% | 4,477 |
| Pretax return on assets | 0.5850% | 4,872 |
| Return on Equity (ROE) | 5.2723% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.9586% | 4,988 |
| Net charge-offs to loans | 0.0293% | 2,844 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 26.9159% | 1,660 |
| Efficiency ratio | 83.7680% | 772 |
| Assets per employee ($millions) | 3.5229% | 4,699 |
| Cash dividends to net income (ytd only)* | 81.8182% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,664 |
| Loan loss allowance to noncurrent loans | 461.3960% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,062 |
| Noncurrent loans to loans | 0.3172% | 3,813 |
| Net loans and leases to total assets | 77.3667% | 1,371 |
| Net loans and leases to deposits | 92.1561% | 1,549 |
| Net loans and leases to core deposits | 98.4308% | 1,851 |
| Total domestic deposits to total assets | 83.9518% | 3,144 |
| Equity capital to assets | 11.2212% | 2,645 |
| Core capital (leverage) ratio | 10.7053% | 2,761 |
| Tier 1 risk-based capital ratio | 14.0890% | 3,402 |
| Total risk-based capital ratio | 15.3432% | 3,310 |
| Memoranda: | ||
| Average total assets | $280,771,000 | 2,299 |
| Average earning assets | $250,190,000 | 2,369 |
| Average equity | $31,156,000 | 2,293 |
| Average total loans | $218,612,750 | 2,020 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 1,505 |
| Cost of funding earning assets | 0.5712% | 1,641 |
| Net interest margin | 3.9325% | 1,833 |
| Noninterest income to average assets | 0.8031% | 1,563 |
| Noninterest expense to average assets | 3.7023% | 769 |
| Loan and lease loss provision to assets | 0.0428% | 3,141 |
| Net operating income to assets | 0.5592% | 4,477 |
| Return on assets (ROA) | 0.5592% | 4,523 |
| Pretax return on assets | 0.5592% | 4,884 |
| Return on Equity (ROE) | 5.0581% | 4,455 |
| Retained earnings to average equity (ytd only) | -0.6323% | 5,174 |
| Net charge-offs to loans | 0.0570% | 2,120 |
| Credit loss provision to net charge-offs | 96.7742% | 2,075 |
| Earnings coverage of net charge-offs (x) | 13.6129% | 2,126 |
| Efficiency ratio | 84.5733% | 797 |
| Assets per employee ($millions) | 3.4995% | 4,719 |
| Cash dividends to net income (ytd only)* | 112.5000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,730 |
| Loan loss allowance to noncurrent loans | 818.7817% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,618 |
| Noncurrent loans to loans | 0.1782% | 4,407 |
| Net loans and leases to total assets | 77.8078% | 1,274 |
| Net loans and leases to deposits | 92.0839% | 1,481 |
| Net loans and leases to core deposits | 98.6125% | 1,754 |
| Total domestic deposits to total assets | 84.4967% | 3,011 |
| Equity capital to assets | 11.1895% | 2,608 |
| Core capital (leverage) ratio | 10.5763% | 2,838 |
| Tier 1 risk-based capital ratio | 14.0957% | 3,379 |
| Total risk-based capital ratio | 15.3491% | 3,288 |
| Memoranda: | ||
| Average total assets | $280,417,000 | 2,312 |
| Average earning assets | $249,665,000 | 2,381 |
| Average equity | $30,999,670 | 2,301 |
| Average total loans | $217,722,330 | 2,025 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 1,666 |
| Cost of funding earning assets | 0.5560% | 1,679 |
| Net interest margin | 3.8357% | 2,001 |
| Noninterest income to average assets | 0.5601% | 2,611 |
| Noninterest expense to average assets | 3.5005% | 1,043 |
| Loan and lease loss provision to assets | 0.0428% | 2,944 |
| Net operating income to assets | 0.4290% | 4,865 |
| Return on assets (ROA) | 0.4290% | 4,883 |
| Pretax return on assets | 0.4290% | 5,103 |
| Return on Equity (ROE) | 3.9045% | 4,815 |
| Retained earnings to average equity (ytd only) | -5.9021% | 5,440 |
| Net charge-offs to loans | 0.1407% | 1,097 |
| Credit loss provision to net charge-offs | 39.4737% | 2,067 |
| Earnings coverage of net charge-offs (x) | 4.3553% | 2,400 |
| Efficiency ratio | 86.5806% | 754 |
| Assets per employee ($millions) | 3.3553% | 4,985 |
| Cash dividends to net income (ytd only)* | 251.1628% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,872 |
| Loan loss allowance to noncurrent loans | 538.2403% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,172 |
| Noncurrent loans to loans | 0.2689% | 4,145 |
| Net loans and leases to total assets | 76.8449% | 1,284 |
| Net loans and leases to deposits | 90.5542% | 1,471 |
| Net loans and leases to core deposits | 95.2587% | 1,870 |
| Total domestic deposits to total assets | 84.8607% | 3,138 |
| Equity capital to assets | 10.8933% | 2,749 |
| Core capital (leverage) ratio | 10.4476% | 2,960 |
| Tier 1 risk-based capital ratio | 13.7634% | 3,621 |
| Total risk-based capital ratio | 15.0164% | 3,526 |
| Memoranda: | ||
| Average total assets | $280,646,000 | 2,321 |
| Average earning assets | $249,655,500 | 2,398 |
| Average equity | $30,836,500 | 2,308 |
| Average total loans | $216,055,500 | 2,052 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,430 |
| Cost of funding earning assets | 0.5699% | 1,538 |
| Net interest margin | 3.9663% | 1,741 |
| Noninterest income to average assets | 0.6092% | 2,613 |
| Noninterest expense to average assets | 3.5471% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5788% | 4,306 |
| Return on assets (ROA) | 0.5857% | 4,378 |
| Pretax return on assets | 0.5857% | 4,824 |
| Return on Equity (ROE) | 5.2963% | 4,277 |
| Retained earnings to average equity (ytd only) | 2.7251% | 3,964 |
| Net charge-offs to loans | 0.0827% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.8778% | 2,825 |
| Efficiency ratio | 85.7080% | 849 |
| Assets per employee ($millions) | 3.4500% | 4,829 |
| Cash dividends to net income (ytd only)* | 48.5467% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,599 |
| Loan loss allowance to noncurrent loans | 467.0043% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 3,073 |
| Noncurrent loans to loans | 0.3254% | 3,978 |
| Net loans and leases to total assets | 74.8333% | 1,716 |
| Net loans and leases to deposits | 89.4501% | 1,745 |
| Net loans and leases to core deposits | 94.3994% | 2,067 |
| Total domestic deposits to total assets | 83.6593% | 3,553 |
| Equity capital to assets | 11.0829% | 2,560 |
| Core capital (leverage) ratio | 10.7573% | 2,585 |
| Tier 1 risk-based capital ratio | 14.5325% | 3,183 |
| Total risk-based capital ratio | 15.7869% | 3,112 |
| Memoranda: | ||
| Average total assets | $276,082,200 | 2,311 |
| Average earning assets | $244,790,200 | 2,399 |
| Average equity | $30,530,800 | 2,318 |
| Average total loans | $217,532,400 | 1,986 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 1,366 |
| Cost of funding earning assets | 0.5683% | 1,555 |
| Net interest margin | 4.0006% | 1,647 |
| Noninterest income to average assets | 0.6036% | 2,643 |
| Noninterest expense to average assets | 3.5110% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6355% | 4,149 |
| Return on assets (ROA) | 0.6448% | 4,228 |
| Pretax return on assets | 0.6448% | 4,756 |
| Return on Equity (ROE) | 5.8336% | 4,153 |
| Retained earnings to average equity (ytd only) | 2.3930% | 4,484 |
| Net charge-offs to loans | 0.0688% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.6108% | 2,472 |
| Efficiency ratio | 84.5327% | 947 |
| Assets per employee ($millions) | 3.3749% | 4,949 |
| Cash dividends to net income (ytd only)* | 58.9783% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,797 |
| Loan loss allowance to noncurrent loans | 443.3378% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 2,618 |
| Noncurrent loans to loans | 0.3361% | 4,053 |
| Net loans and leases to total assets | 77.7427% | 1,241 |
| Net loans and leases to deposits | 93.8616% | 1,269 |
| Net loans and leases to core deposits | 98.0721% | 1,806 |
| Total domestic deposits to total assets | 82.8269% | 3,656 |
| Equity capital to assets | 10.9928% | 3,018 |
| Core capital (leverage) ratio | 10.5807% | 2,898 |
| Tier 1 risk-based capital ratio | 13.9645% | 3,576 |
| Total risk-based capital ratio | 15.2185% | 3,496 |
| Memoranda: | ||
| Average total assets | $275,240,500 | 2,324 |
| Average earning assets | $243,756,500 | 2,417 |
| Average equity | $30,420,750 | 2,339 |
| Average total loans | $218,828,500 | 1,990 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 1,309 |
| Cost of funding earning assets | 0.5734% | 1,516 |
| Net interest margin | 4.0056% | 1,625 |
| Noninterest income to average assets | 0.6111% | 2,567 |
| Noninterest expense to average assets | 3.5846% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5701% | 4,398 |
| Return on assets (ROA) | 0.5840% | 4,461 |
| Pretax return on assets | 0.5840% | 4,929 |
| Return on Equity (ROE) | 5.2745% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.4689% | 4,310 |
| Net charge-offs to loans | -0.0945% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1365% | 865 |
| Assets per employee ($millions) | 3.1805% | 5,235 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,488 |
| Loan loss allowance to noncurrent loans | 383.1878% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 2,654 |
| Noncurrent loans to loans | 0.4214% | 3,841 |
| Net loans and leases to total assets | 79.1042% | 1,047 |
| Net loans and leases to deposits | 95.3577% | 1,152 |
| Net loans and leases to core deposits | 99.7895% | 1,646 |
| Total domestic deposits to total assets | 82.9552% | 3,672 |
| Equity capital to assets | 11.3605% | 2,685 |
| Core capital (leverage) ratio | 10.5599% | 2,896 |
| Tier 1 risk-based capital ratio | 14.2960% | 3,439 |
| Total risk-based capital ratio | 15.5521% | 3,356 |
| Memoranda: | ||
| Average total assets | $273,614,330 | 2,345 |
| Average earning assets | $242,064,000 | 2,439 |
| Average equity | $30,296,670 | 2,346 |
| Average total loans | $218,082,670 | 1,998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,321 |
| Cost of funding earning assets | 0.5851% | 1,447 |
| Net interest margin | 3.9920% | 1,632 |
| Noninterest income to average assets | 0.6133% | 2,452 |
| Noninterest expense to average assets | 3.6112% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5319% | 4,493 |
| Return on assets (ROA) | 0.5377% | 4,584 |
| Pretax return on assets | 0.5377% | 4,987 |
| Return on Equity (ROE) | 4.9187% | 4,518 |
| Retained earnings to average equity (ytd only) | -0.7312% | 5,240 |
| Net charge-offs to loans | -0.0678% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0221% | 888 |
| Assets per employee ($millions) | 3.4478% | 4,888 |
| Cash dividends to net income (ytd only)* | 114.8649% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,673 |
| Loan loss allowance to noncurrent loans | 384.8045% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 2,717 |
| Noncurrent loans to loans | 0.4110% | 3,962 |
| Net loans and leases to total assets | 77.6950% | 1,139 |
| Net loans and leases to deposits | 91.8876% | 1,360 |
| Net loans and leases to core deposits | 95.9189% | 1,806 |
| Total domestic deposits to total assets | 84.5544% | 3,294 |
| Equity capital to assets | 10.9275% | 3,025 |
| Core capital (leverage) ratio | 10.3001% | 3,195 |
| Tier 1 risk-based capital ratio | 14.0004% | 3,698 |
| Total risk-based capital ratio | 15.2560% | 3,618 |
| Memoranda: | ||
| Average total assets | $275,251,000 | 2,345 |
| Average earning assets | $243,388,000 | 2,438 |
| Average equity | $30,089,000 | 2,362 |
| Average total loans | $218,443,500 | 1,996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,209 |
| Cost of funding earning assets | 0.6299% | 1,175 |
| Net interest margin | 4.0229% | 1,641 |
| Noninterest income to average assets | 0.6199% | 2,618 |
| Noninterest expense to average assets | 3.5635% | 1,186 |
| Loan and lease loss provision to assets | 0.1653% | 1,389 |
| Net operating income to assets | 0.4476% | 4,891 |
| Return on assets (ROA) | 0.4476% | 4,974 |
| Pretax return on assets | 0.4476% | 5,231 |
| Return on Equity (ROE) | 4.1187% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.1187% | 3,070 |
| Net charge-offs to loans | 0.3982% | 721 |
| Credit loss provision to net charge-offs | 53.0806% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.9680% | 3,998 |
| Efficiency ratio | 85.1829% | 1,073 |
| Assets per employee ($millions) | 3.5215% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,785 |
| Loan loss allowance to noncurrent loans | 327.2815% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 2,413 |
| Noncurrent loans to loans | 0.4750% | 3,763 |
| Net loans and leases to total assets | 78.5409% | 1,052 |
| Net loans and leases to deposits | 93.4941% | 1,249 |
| Net loans and leases to core deposits | 97.6362% | 1,701 |
| Total domestic deposits to total assets | 84.0062% | 3,477 |
| Equity capital to assets | 10.9354% | 2,890 |
| Core capital (leverage) ratio | 10.3081% | 3,151 |
| Tier 1 risk-based capital ratio | 14.0454% | 3,692 |
| Total risk-based capital ratio | 15.3006% | 3,609 |
| Memoranda: | ||
| Average total assets | $270,995,000 | 2,335 |
| Average earning assets | $239,578,000 | 2,433 |
| Average equity | $29,450,800 | 2,357 |
| Average total loans | $211,930,200 | 1,982 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,310 |
| Cost of funding earning assets | 0.6446% | 1,125 |
| Net interest margin | 3.9640% | 1,830 |
| Noninterest income to average assets | 0.6363% | 2,547 |
| Noninterest expense to average assets | 3.5629% | 1,173 |
| Loan and lease loss provision to assets | 0.1841% | 1,123 |
| Net operating income to assets | 0.3925% | 5,188 |
| Return on assets (ROA) | 0.3930% | 5,279 |
| Pretax return on assets | 0.3930% | 5,472 |
| Return on Equity (ROE) | 3.6217% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.6217% | 3,890 |
| Net charge-offs to loans | 0.5102% | 471 |
| Credit loss provision to net charge-offs | 46.3930% | 3,076 |
| Earnings coverage of net charge-offs (x) | 1.4527% | 3,832 |
| Efficiency ratio | 85.9273% | 1,008 |
| Assets per employee ($millions) | 3.1018% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,850 |
| Loan loss allowance to noncurrent loans | 186.2983% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 1,863 |
| Noncurrent loans to loans | 0.8489% | 2,850 |
| Net loans and leases to total assets | 77.7604% | 1,140 |
| Net loans and leases to deposits | 93.4396% | 1,263 |
| Net loans and leases to core deposits | 97.0646% | 1,783 |
| Total domestic deposits to total assets | 83.2199% | 3,730 |
| Equity capital to assets | 11.0414% | 2,973 |
| Core capital (leverage) ratio | 10.5308% | 3,008 |
| Tier 1 risk-based capital ratio | 14.2617% | 3,692 |
| Total risk-based capital ratio | 15.5177% | 3,620 |
| Memoranda: | ||
| Average total assets | $270,074,750 | 2,354 |
| Average earning assets | $238,677,500 | 2,454 |
| Average equity | $29,304,250 | 2,382 |
| Average total loans | $210,127,750 | 2,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,330 |
| Cost of funding earning assets | 0.6711% | 987 |
| Net interest margin | 3.9061% | 1,952 |
| Noninterest income to average assets | 0.6530% | 2,461 |
| Noninterest expense to average assets | 3.5914% | 1,147 |
| Loan and lease loss provision to assets | 0.2206% | 860 |
| Net operating income to assets | 0.2969% | 5,446 |
| Return on assets (ROA) | 0.2976% | 5,545 |
| Pretax return on assets | 0.2976% | 5,666 |
| Return on Equity (ROE) | 2.7591% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.7591% | 4,296 |
| Net charge-offs to loans | 0.5835% | 416 |
| Credit loss provision to net charge-offs | 48.8525% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.1459% | 3,572 |
| Efficiency ratio | 87.2613% | 964 |
| Assets per employee ($millions) | 3.1747% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,634 |
| Loan loss allowance to noncurrent loans | 138.9574% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 1,678 |
| Noncurrent loans to loans | 1.2139% | 2,226 |
| Net loans and leases to total assets | 77.2433% | 1,171 |
| Net loans and leases to deposits | 88.1507% | 1,817 |
| Net loans and leases to core deposits | 91.2647% | 2,218 |
| Total domestic deposits to total assets | 87.6264% | 1,829 |
| Equity capital to assets | 11.1102% | 2,768 |
| Core capital (leverage) ratio | 10.3674% | 3,122 |
| Tier 1 risk-based capital ratio | 14.5688% | 3,596 |
| Total risk-based capital ratio | 15.8260% | 3,520 |
| Memoranda: | ||
| Average total assets | $270,147,670 | 2,371 |
| Average earning assets | $239,010,330 | 2,467 |
| Average equity | $29,140,330 | 2,410 |
| Average total loans | $209,099,330 | 2,021 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,358 |
| Cost of funding earning assets | 0.6985% | 858 |
| Net interest margin | 3.8393% | 2,100 |
| Noninterest income to average assets | 0.7094% | 2,129 |
| Noninterest expense to average assets | 3.5645% | 1,187 |
| Loan and lease loss provision to assets | 0.2165% | 821 |
| Net operating income to assets | 0.3291% | 5,310 |
| Return on assets (ROA) | 0.3306% | 5,415 |
| Pretax return on assets | 0.3306% | 5,572 |
| Return on Equity (ROE) | 3.1094% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.1094% | 4,119 |
| Net charge-offs to loans | 0.9061% | 266 |
| Credit loss provision to net charge-offs | 31.0924% | 2,269 |
| Earnings coverage of net charge-offs (x) | 0.7836% | 3,010 |
| Efficiency ratio | 86.5836% | 1,126 |
| Assets per employee ($millions) | 3.3145% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 1,822 |
| Loan loss allowance to noncurrent loans | 71.6052% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.2274% | 1,031 |
| Noncurrent loans to loans | 2.3298% | 1,057 |
| Net loans and leases to total assets | 75.3618% | 1,298 |
| Net loans and leases to deposits | 85.6458% | 1,880 |
| Net loans and leases to core deposits | 88.6667% | 2,256 |
| Total domestic deposits to total assets | 87.9923% | 1,828 |
| Equity capital to assets | 10.7825% | 3,212 |
| Core capital (leverage) ratio | 10.0352% | 3,553 |
| Tier 1 risk-based capital ratio | 14.2752% | 3,839 |
| Total risk-based capital ratio | 15.5321% | 3,767 |
| Memoranda: | ||
| Average total assets | $273,473,500 | 2,363 |
| Average earning assets | $242,234,000 | 2,454 |
| Average equity | $29,073,000 | 2,426 |
| Average total loans | $210,136,500 | 2,010 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,500 |
| Cost of funding earning assets | 0.8850% | 423 |
| Net interest margin | 3.7351% | 2,857 |
| Noninterest income to average assets | 0.9480% | 1,352 |
| Noninterest expense to average assets | 3.7735% | 1,025 |
| Loan and lease loss provision to assets | 0.6553% | 202 |
| Net operating income to assets | -0.2111% | 6,210 |
| Return on assets (ROA) | -0.2111% | 6,210 |
| Pretax return on assets | -0.2111% | 6,200 |
| Return on Equity (ROE) | -2.1183% | 6,216 |
| Retained earnings to average equity (ytd only) | -2.1183% | 6,024 |
| Net charge-offs to loans | 1.4358% | 176 |
| Credit loss provision to net charge-offs | 61.8081% | 3,249 |
| Earnings coverage of net charge-offs (x) | 0.4189% | 4,645 |
| Efficiency ratio | 89.2475% | 891 |
| Assets per employee ($millions) | 3.3555% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 1,554 |
| Loan loss allowance to noncurrent loans | 71.7547% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.3961% | 974 |
| Noncurrent loans to loans | 2.5004% | 1,015 |
| Net loans and leases to total assets | 75.6547% | 1,320 |
| Net loans and leases to deposits | 85.7282% | 2,020 |
| Net loans and leases to core deposits | 89.0684% | 2,373 |
| Total domestic deposits to total assets | 88.2495% | 1,635 |
| Equity capital to assets | 10.4814% | 3,511 |
| Core capital (leverage) ratio | 9.7404% | 3,916 |
| Tier 1 risk-based capital ratio | 13.9332% | 4,138 |
| Total risk-based capital ratio | 15.1887% | 4,071 |
| Memoranda: | ||
| Average total assets | $287,981,200 | 2,228 |
| Average earning assets | $252,098,200 | 2,331 |
| Average equity | $28,701,600 | 2,364 |
| Average total loans | $212,639,800 | 1,956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,539 |
| Cost of funding earning assets | 0.9230% | 356 |
| Net interest margin | 3.6852% | 3,087 |
| Noninterest income to average assets | 1.0229% | 1,177 |
| Noninterest expense to average assets | 3.7276% | 1,082 |
| Loan and lease loss provision to assets | 0.7963% | 155 |
| Net operating income to assets | -0.2853% | 6,310 |
| Return on assets (ROA) | -0.2853% | 6,305 |
| Pretax return on assets | -0.2853% | 6,286 |
| Return on Equity (ROE) | -2.8976% | 6,313 |
| Retained earnings to average equity (ytd only) | -2.8976% | 6,136 |
| Net charge-offs to loans | 1.8934% | 109 |
| Credit loss provision to net charge-offs | 57.5447% | 2,986 |
| Earnings coverage of net charge-offs (x) | 0.3693% | 4,401 |
| Efficiency ratio | 87.7174% | 1,027 |
| Assets per employee ($millions) | 3.3735% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,764 |
| Loan loss allowance to noncurrent loans | 67.9698% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 3.2272% | 698 |
| Noncurrent loans to loans | 2.6029% | 1,101 |
| Net loans and leases to total assets | 72.2211% | 1,808 |
| Net loans and leases to deposits | 81.5524% | 2,482 |
| Net loans and leases to core deposits | 84.4617% | 2,832 |
| Total domestic deposits to total assets | 88.5578% | 1,472 |
| Equity capital to assets | 10.1171% | 4,030 |
| Core capital (leverage) ratio | 9.6392% | 4,171 |
| Tier 1 risk-based capital ratio | 13.8417% | 4,328 |
| Total risk-based capital ratio | 15.0997% | 4,257 |
| Memoranda: | ||
| Average total assets | $291,188,000 | 2,218 |
| Average earning assets | $254,091,500 | 2,328 |
| Average equity | $28,667,000 | 2,377 |
| Average total loans | $212,807,250 | 1,968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,537 |
| Cost of funding earning assets | 0.9708% | 291 |
| Net interest margin | 3.6259% | 3,257 |
| Noninterest income to average assets | 1.1627% | 863 |
| Noninterest expense to average assets | 3.7339% | 1,076 |
| Loan and lease loss provision to assets | 0.8714% | 132 |
| Net operating income to assets | -0.2873% | 6,367 |
| Return on assets (ROA) | -0.2873% | 6,373 |
| Pretax return on assets | -0.2873% | 6,357 |
| Return on Equity (ROE) | -2.9442% | 6,379 |
| Retained earnings to average equity (ytd only) | -2.9442% | 6,093 |
| Net charge-offs to loans | 2.3724% | 85 |
| Credit loss provision to net charge-offs | 50.3541% | 2,790 |
| Earnings coverage of net charge-offs (x) | 0.3375% | 4,066 |
| Efficiency ratio | 86.2368% | 1,253 |
| Assets per employee ($millions) | 3.3310% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 2,032 |
| Loan loss allowance to noncurrent loans | 45.3167% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 4.2969% | 466 |
| Noncurrent loans to loans | 3.8201% | 645 |
| Net loans and leases to total assets | 73.4368% | 1,515 |
| Net loans and leases to deposits | 82.7909% | 2,165 |
| Net loans and leases to core deposits | 85.7914% | 2,538 |
| Total domestic deposits to total assets | 88.7015% | 1,533 |
| Equity capital to assets | 10.1077% | 3,959 |
| Core capital (leverage) ratio | 9.3877% | 4,484 |
| Tier 1 risk-based capital ratio | 13.6903% | 4,462 |
| Total risk-based capital ratio | 14.9472% | 4,403 |
| Memoranda: | ||
| Average total assets | $293,793,000 | 2,199 |
| Average earning assets | $255,662,000 | 2,312 |
| Average equity | $28,666,330 | 2,367 |
| Average total loans | $214,296,000 | 1,951 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,722 |
| Cost of funding earning assets | 1.0089% | 262 |
| Net interest margin | 3.5157% | 3,619 |
| Noninterest income to average assets | 0.7141% | 2,105 |
| Noninterest expense to average assets | 3.6725% | 1,171 |
| Loan and lease loss provision to assets | 1.1323% | 98 |
| Net operating income to assets | -1.0449% | 6,578 |
| Return on assets (ROA) | -1.0449% | 6,574 |
| Pretax return on assets | -1.0449% | 6,565 |
| Return on Equity (ROE) | -10.8969% | 6,573 |
| Retained earnings to average equity (ytd only) | -10.8969% | 6,389 |
| Net charge-offs to loans | 1.6548% | 185 |
| Credit loss provision to net charge-offs | 94.9267% | 1,751 |
| Earnings coverage of net charge-offs (x) | 0.0733% | 3,427 |
| Efficiency ratio | 97.3534% | 574 |
| Assets per employee ($millions) | 3.4564% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3396% | 979 |
| Loan loss allowance to noncurrent loans | 43.8977% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 7.2652% | 204 |
| Noncurrent loans to loans | 5.3298% | 390 |
| Net loans and leases to total assets | 69.1453% | 2,039 |
| Net loans and leases to deposits | 77.5250% | 2,622 |
| Net loans and leases to core deposits | 80.4099% | 2,922 |
| Total domestic deposits to total assets | 89.1910% | 1,537 |
| Equity capital to assets | 9.5364% | 4,454 |
| Core capital (leverage) ratio | 9.0255% | 4,971 |
| Tier 1 risk-based capital ratio | 13.1733% | 4,910 |
| Total risk-based capital ratio | 14.4377% | 4,836 |
| Memoranda: | ||
| Average total assets | $297,457,500 | 2,191 |
| Average earning assets | $257,704,500 | 2,301 |
| Average equity | $28,522,000 | 2,367 |
| Average total loans | $214,406,000 | 1,944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,479 |
| Cost of funding earning assets | 1.3010% | 108 |
| Net interest margin | 3.4360% | 4,144 |
| Noninterest income to average assets | 0.6319% | 2,904 |
| Noninterest expense to average assets | 3.5821% | 1,480 |
| Loan and lease loss provision to assets | 2.0805% | 46 |
| Net operating income to assets | -1.9992% | 6,716 |
| Return on assets (ROA) | -1.9992% | 6,716 |
| Pretax return on assets | -1.9992% | 6,709 |
| Return on Equity (ROE) | -21.9929% | 6,694 |
| Retained earnings to average equity (ytd only) | -22.3865% | 6,686 |
| Net charge-offs to loans | 2.1786% | 157 |
| Credit loss provision to net charge-offs | 127.3146% | 1,849 |
| Earnings coverage of net charge-offs (x) | 0.0498% | 5,075 |
| Efficiency ratio | 97.4724% | 567 |
| Assets per employee ($millions) | 3.3074% | 5,277 |
| Cash dividends to net income (ytd only)* | -1.7899% | 6,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2752% | 1,071 |
| Loan loss allowance to noncurrent loans | 34.8925% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 7.7984% | 198 |
| Noncurrent loans to loans | 6.5206% | 281 |
| Net loans and leases to total assets | 71.6865% | 1,739 |
| Net loans and leases to deposits | 80.5160% | 2,383 |
| Net loans and leases to core deposits | 83.5988% | 2,712 |
| Total domestic deposits to total assets | 89.0339% | 1,600 |
| Equity capital to assets | 9.6407% | 4,231 |
| Core capital (leverage) ratio | 9.1156% | 4,834 |
| Tier 1 risk-based capital ratio | 13.3859% | 4,727 |
| Total risk-based capital ratio | 14.6499% | 4,668 |
| Memoranda: | ||
| Average total assets | $318,584,200 | 2,017 |
| Average earning assets | $281,086,600 | 2,105 |
| Average equity | $28,959,400 | 2,314 |
| Average total loans | $238,959,200 | 1,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 1,392 |
| Cost of funding earning assets | 1.3452% | 99 |
| Net interest margin | 3.4360% | 4,144 |
| Noninterest income to average assets | 0.5027% | 3,786 |
| Noninterest expense to average assets | 3.5452% | 1,508 |
| Loan and lease loss provision to assets | 2.7291% | 20 |
| Net operating income to assets | -2.7299% | 6,833 |
| Return on assets (ROA) | -2.7299% | 6,836 |
| Pretax return on assets | -2.7299% | 6,832 |
| Return on Equity (ROE) | -30.4557% | 6,814 |
| Retained earnings to average equity (ytd only) | -30.9794% | 6,811 |
| Net charge-offs to loans | 2.6206% | 112 |
| Credit loss provision to net charge-offs | 138.1409% | 1,694 |
| Earnings coverage of net charge-offs (x) | -0.0004% | 4,857 |
| Efficiency ratio | 99.7096% | 474 |
| Assets per employee ($millions) | 3.4245% | 5,008 |
| Cash dividends to net income (ytd only)* | -1.7195% | 6,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3873% | 1,059 |
| Loan loss allowance to noncurrent loans | 30.7327% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 8.7299% | 189 |
| Noncurrent loans to loans | 7.7680% | 237 |
| Net loans and leases to total assets | 71.3341% | 1,721 |
| Net loans and leases to deposits | 79.6923% | 2,450 |
| Net loans and leases to core deposits | 82.6865% | 2,811 |
| Total domestic deposits to total assets | 89.5119% | 1,291 |
| Equity capital to assets | 9.0605% | 5,114 |
| Core capital (leverage) ratio | 8.5553% | 5,715 |
| Tier 1 risk-based capital ratio | 12.2485% | 5,607 |
| Total risk-based capital ratio | 13.5140% | 5,532 |
| Memoranda: | ||
| Average total assets | $323,814,250 | 1,996 |
| Average earning assets | $286,643,250 | 2,083 |
| Average equity | $29,025,000 | 2,332 |
| Average total loans | $244,110,750 | 1,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 1,417 |
| Cost of funding earning assets | 1.3849% | 91 |
| Net interest margin | 3.3783% | 4,273 |
| Noninterest income to average assets | 0.3544% | 4,855 |
| Noninterest expense to average assets | 3.6770% | 1,289 |
| Loan and lease loss provision to assets | 3.1245% | 18 |
| Net operating income to assets | -3.4369% | 6,907 |
| Return on assets (ROA) | -3.4369% | 6,910 |
| Pretax return on assets | -3.4369% | 6,904 |
| Return on Equity (ROE) | -38.4735% | 6,884 |
| Retained earnings to average equity (ytd only) | -39.2492% | 6,881 |
| Net charge-offs to loans | 3.0223% | 96 |
| Credit loss provision to net charge-offs | 135.8351% | 1,665 |
| Earnings coverage of net charge-offs (x) | -0.1358% | 4,594 |
| Efficiency ratio | 108.9612% | 296 |
| Assets per employee ($millions) | 3.3766% | 5,124 |
| Cash dividends to net income (ytd only)* | -2.0163% | 6,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 1,782 |
| Loan loss allowance to noncurrent loans | 30.8365% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 7.3202% | 317 |
| Noncurrent loans to loans | 6.5914% | 393 |
| Net loans and leases to total assets | 74.4565% | 1,180 |
| Net loans and leases to deposits | 82.8389% | 1,947 |
| Net loans and leases to core deposits | 86.0689% | 2,330 |
| Total domestic deposits to total assets | 89.8811% | 1,097 |
| Equity capital to assets | 8.7692% | 5,476 |
| Core capital (leverage) ratio | 8.1222% | 6,087 |
| Tier 1 risk-based capital ratio | 11.6394% | 6,038 |
| Total risk-based capital ratio | 12.9008% | 5,979 |
| Memoranda: | ||
| Average total assets | $329,017,000 | 1,976 |
| Average earning assets | $293,168,000 | 2,027 |
| Average equity | $29,391,670 | 2,311 |
| Average total loans | $250,403,330 | 1,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 1,301 |
| Cost of funding earning assets | 1.4069% | 86 |
| Net interest margin | 3.3879% | 4,166 |
| Noninterest income to average assets | 0.3620% | 4,769 |
| Noninterest expense to average assets | 3.2829% | 2,123 |
| Loan and lease loss provision to assets | 4.4178% | 13 |
| Net operating income to assets | -4.3067% | 6,988 |
| Return on assets (ROA) | -4.3067% | 6,987 |
| Pretax return on assets | -4.3067% | 6,986 |
| Return on Equity (ROE) | -47.7942% | 6,967 |
| Retained earnings to average equity (ytd only) | -49.3056% | 6,965 |
| Net charge-offs to loans | 3.0307% | 114 |
| Credit loss provision to net charge-offs | 191.4079% | 1,127 |
| Earnings coverage of net charge-offs (x) | 0.0481% | 3,806 |
| Efficiency ratio | 96.4097% | 709 |
| Assets per employee ($millions) | 3.5326% | 4,918 |
| Cash dividends to net income (ytd only)* | -3.1623% | 6,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1042% | 1,784 |
| Loan loss allowance to noncurrent loans | 78.8014% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 4.3055% | 877 |
| Noncurrent loans to loans | 2.6703% | 1,919 |
| Net loans and leases to total assets | 74.4237% | 1,023 |
| Net loans and leases to deposits | 82.6927% | 1,746 |
| Net loans and leases to core deposits | 86.2388% | 2,083 |
| Total domestic deposits to total assets | 90.0003% | 1,052 |
| Equity capital to assets | 8.5198% | 6,002 |
| Core capital (leverage) ratio | 7.7249% | 6,337 |
| Tier 1 risk-based capital ratio | 11.0681% | 6,376 |
| Total risk-based capital ratio | 12.3308% | 6,345 |
| Memoranda: | ||
| Average total assets | $334,827,500 | 1,959 |
| Average earning assets | $299,656,500 | 2,014 |
| Average equity | $30,171,000 | 2,281 |
| Average total loans | $254,992,500 | 1,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 1,296 |
| Cost of funding earning assets | 1.6611% | 87 |
| Net interest margin | 3.4468% | 4,713 |
| Noninterest income to average assets | 0.8061% | 2,242 |
| Noninterest expense to average assets | 2.9715% | 3,382 |
| Loan and lease loss provision to assets | 0.8767% | 521 |
| Net operating income to assets | 0.1221% | 5,965 |
| Return on assets (ROA) | 0.1610% | 6,030 |
| Pretax return on assets | 0.1610% | 6,051 |
| Return on Equity (ROE) | 1.7352% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.0279% | 5,819 |
| Net charge-offs to loans | 1.2657% | 774 |
| Credit loss provision to net charge-offs | 89.5821% | 3,491 |
| Earnings coverage of net charge-offs (x) | 1.0206% | 4,960 |
| Efficiency ratio | 74.5466% | 2,979 |
| Assets per employee ($millions) | 3.6695% | 4,628 |
| Cash dividends to net income (ytd only)* | 98.3900% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,273 |
| Loan loss allowance to noncurrent loans | 24.8233% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 4.6825% | 870 |
| Noncurrent loans to loans | 5.5482% | 665 |
| Net loans and leases to total assets | 75.2365% | 1,020 |
| Net loans and leases to deposits | 84.5663% | 1,688 |
| Net loans and leases to core deposits | 87.7779% | 2,114 |
| Total domestic deposits to total assets | 88.9675% | 1,583 |
| Equity capital to assets | 9.4939% | 4,883 |
| Core capital (leverage) ratio | 8.8449% | 5,106 |
| Tier 1 risk-based capital ratio | 12.6001% | 5,398 |
| Total risk-based capital ratio | 13.8571% | 5,342 |
| Memoranda: | ||
| Average total assets | $347,230,800 | 1,864 |
| Average earning assets | $318,756,200 | 1,859 |
| Average equity | $32,215,800 | 2,131 |
| Average total loans | $268,470,600 | 1,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 1,255 |
| Cost of funding earning assets | 1.7238% | 79 |
| Net interest margin | 3.4467% | 4,854 |
| Noninterest income to average assets | 0.8572% | 1,991 |
| Noninterest expense to average assets | 2.9104% | 3,552 |
| Loan and lease loss provision to assets | 0.6948% | 732 |
| Net operating income to assets | 0.4286% | 5,123 |
| Return on assets (ROA) | 0.4286% | 5,363 |
| Pretax return on assets | 0.4286% | 5,651 |
| Return on Equity (ROE) | 4.6459% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.3725% | 5,150 |
| Net charge-offs to loans | 0.6081% | 1,812 |
| Credit loss provision to net charge-offs | 147.2918% | 1,927 |
| Earnings coverage of net charge-offs (x) | 2.3816% | 4,086 |
| Efficiency ratio | 71.8472% | 3,355 |
| Assets per employee ($millions) | 3.8690% | 4,150 |
| Cash dividends to net income (ytd only)* | 48.9327% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,122 |
| Loan loss allowance to noncurrent loans | 30.4315% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 4.6913% | 974 |
| Noncurrent loans to loans | 5.6136% | 757 |
| Net loans and leases to total assets | 76.6651% | 879 |
| Net loans and leases to deposits | 86.6286% | 1,528 |
| Net loans and leases to core deposits | 90.1525% | 1,966 |
| Total domestic deposits to total assets | 88.4986% | 1,726 |
| Equity capital to assets | 9.7925% | 4,792 |
| Core capital (leverage) ratio | 8.8417% | 5,279 |
| Tier 1 risk-based capital ratio | 12.8698% | 5,355 |
| Total risk-based capital ratio | 14.1292% | 5,310 |
| Memoranda: | ||
| Average total assets | $349,640,000 | 1,872 |
| Average earning assets | $322,230,000 | 1,862 |
| Average equity | $32,257,000 | 2,152 |
| Average total loans | $271,203,000 | 1,537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 1,168 |
| Cost of funding earning assets | 1.7907% | 70 |
| Net interest margin | 3.4470% | 4,894 |
| Noninterest income to average assets | 0.7034% | 2,648 |
| Noninterest expense to average assets | 2.9696% | 3,375 |
| Loan and lease loss provision to assets | 0.3944% | 1,665 |
| Net operating income to assets | 0.5283% | 4,685 |
| Return on assets (ROA) | 0.5283% | 4,961 |
| Pretax return on assets | 0.5283% | 5,372 |
| Return on Equity (ROE) | 5.8397% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.4046% | 4,990 |
| Net charge-offs to loans | 0.4685% | 2,191 |
| Credit loss provision to net charge-offs | 108.7227% | 2,505 |
| Earnings coverage of net charge-offs (x) | 2.5436% | 3,741 |
| Efficiency ratio | 75.9617% | 2,748 |
| Assets per employee ($millions) | 4.0009% | 3,871 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,344 |
| Loan loss allowance to noncurrent loans | 270.2869% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,207 |
| Noncurrent loans to loans | 0.5292% | 5,466 |
| Net loans and leases to total assets | 77.4535% | 788 |
| Net loans and leases to deposits | 89.1614% | 1,237 |
| Net loans and leases to core deposits | 91.9848% | 1,781 |
| Total domestic deposits to total assets | 86.8690% | 2,850 |
| Equity capital to assets | 9.2450% | 5,409 |
| Core capital (leverage) ratio | 8.4639% | 5,695 |
| Tier 1 risk-based capital ratio | 12.0095% | 5,930 |
| Total risk-based capital ratio | 13.2674% | 5,898 |
| Memoranda: | ||
| Average total assets | $353,985,670 | 1,855 |
| Average earning assets | $327,473,670 | 1,831 |
| Average equity | $32,022,000 | 2,150 |
| Average total loans | $274,090,000 | 1,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 1,211 |
| Cost of funding earning assets | 1.8474% | 71 |
| Net interest margin | 3.3997% | 5,124 |
| Noninterest income to average assets | 0.8430% | 1,972 |
| Noninterest expense to average assets | 2.7904% | 4,072 |
| Loan and lease loss provision to assets | 0.6514% | 838 |
| Net operating income to assets | 0.5556% | 4,563 |
| Return on assets (ROA) | 0.5556% | 4,780 |
| Pretax return on assets | 0.5556% | 5,256 |
| Return on Equity (ROE) | 6.2095% | 4,183 |
| Retained earnings to average equity (ytd only) | -0.7179% | 6,115 |
| Net charge-offs to loans | 0.8475% | 1,211 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.8529% | 3,412 |
| Efficiency ratio | 69.4672% | 3,906 |
| Assets per employee ($millions) | 3.9912% | 4,029 |
| Cash dividends to net income (ytd only)* | 111.5619% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,486 |
| Loan loss allowance to noncurrent loans | 345.2212% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 5,667 |
| Noncurrent loans to loans | 0.4133% | 5,846 |
| Net loans and leases to total assets | 75.0363% | 917 |
| Net loans and leases to deposits | 85.9473% | 1,427 |
| Net loans and leases to core deposits | 90.7965% | 1,771 |
| Total domestic deposits to total assets | 87.3051% | 2,768 |
| Equity capital to assets | 8.8548% | 5,689 |
| Core capital (leverage) ratio | 8.3168% | 5,853 |
| Tier 1 risk-based capital ratio | 12.0566% | 5,923 |
| Total risk-based capital ratio | 13.3110% | 5,899 |
| Memoranda: | ||
| Average total assets | $354,937,500 | 1,867 |
| Average earning assets | $329,320,500 | 1,834 |
| Average equity | $31,758,000 | 2,167 |
| Average total loans | $272,806,500 | 1,543 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 1,205 |
| Cost of funding earning assets | 2.1268% | 65 |
| Net interest margin | 3.3554% | 5,627 |
| Noninterest income to average assets | 0.3376% | 5,116 |
| Noninterest expense to average assets | 2.7724% | 4,464 |
| Loan and lease loss provision to assets | 0.2929% | 3,316 |
| Net operating income to assets | 0.3933% | 4,897 |
| Return on assets (ROA) | 0.3933% | 5,061 |
| Pretax return on assets | 0.3933% | 5,314 |
| Return on Equity (ROE) | 4.5948% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.5722% | 4,396 |
| Net charge-offs to loans | 0.3357% | 3,716 |
| Credit loss provision to net charge-offs | 111.0503% | 3,003 |
| Earnings coverage of net charge-offs (x) | 2.6018% | 3,912 |
| Efficiency ratio | 79.7580% | 2,334 |
| Assets per employee ($millions) | 3.9401% | 3,986 |
| Cash dividends to net income (ytd only)* | 44.0205% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,320 |
| Loan loss allowance to noncurrent loans | 212.8205% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 5,419 |
| Noncurrent loans to loans | 0.6735% | 5,348 |
| Net loans and leases to total assets | 76.5041% | 885 |
| Net loans and leases to deposits | 87.8139% | 1,407 |
| Net loans and leases to core deposits | 92.5536% | 1,832 |
| Total domestic deposits to total assets | 87.1206% | 2,694 |
| Equity capital to assets | 9.0424% | 5,505 |
| Core capital (leverage) ratio | 8.4529% | 5,634 |
| Tier 1 risk-based capital ratio | 12.2089% | 5,683 |
| Total risk-based capital ratio | 13.4632% | 5,651 |
| Memoranda: | ||
| Average total assets | $346,519,400 | 1,867 |
| Average earning assets | $322,314,600 | 1,833 |
| Average equity | $29,663,800 | 2,220 |
| Average total loans | $272,278,400 | 1,550 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 1,224 |
| Cost of funding earning assets | 2.1827% | 65 |
| Net interest margin | 3.3280% | 5,776 |
| Noninterest income to average assets | 0.2894% | 5,539 |
| Noninterest expense to average assets | 2.6938% | 4,754 |
| Loan and lease loss provision to assets | 0.2921% | 3,178 |
| Net operating income to assets | 0.4010% | 4,998 |
| Return on assets (ROA) | 0.4010% | 5,182 |
| Pretax return on assets | 0.4010% | 5,468 |
| Return on Equity (ROE) | 4.7519% | 4,641 |
| Retained earnings to average equity (ytd only) | 2.0078% | 5,133 |
| Net charge-offs to loans | 0.1949% | 4,244 |
| Credit loss provision to net charge-offs | 190.2010% | 1,528 |
| Earnings coverage of net charge-offs (x) | 4.5126% | 3,044 |
| Efficiency ratio | 79.1249% | 2,390 |
| Assets per employee ($millions) | 4.2414% | 3,378 |
| Cash dividends to net income (ytd only)* | 57.7478% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,987 |
| Loan loss allowance to noncurrent loans | 154.2656% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,068 |
| Noncurrent loans to loans | 0.9877% | 4,915 |
| Net loans and leases to total assets | 76.3587% | 932 |
| Net loans and leases to deposits | 87.6931% | 1,468 |
| Net loans and leases to core deposits | 93.1612% | 1,864 |
| Total domestic deposits to total assets | 87.0749% | 2,606 |
| Equity capital to assets | 8.9485% | 5,809 |
| Core capital (leverage) ratio | 8.4361% | 5,796 |
| Tier 1 risk-based capital ratio | 12.1305% | 5,795 |
| Total risk-based capital ratio | 13.3865% | 5,784 |
| Memoranda: | ||
| Average total assets | $345,482,000 | 1,878 |
| Average earning assets | $321,544,250 | 1,844 |
| Average equity | $29,152,500 | 2,261 |
| Average total loans | $272,303,750 | 1,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 1,237 |
| Cost of funding earning assets | 2.2502% | 62 |
| Net interest margin | 3.2783% | 5,917 |
| Noninterest income to average assets | 0.2260% | 6,054 |
| Noninterest expense to average assets | 2.6700% | 4,942 |
| Loan and lease loss provision to assets | 0.3932% | 2,450 |
| Net operating income to assets | 0.2150% | 5,687 |
| Return on assets (ROA) | 0.2150% | 5,800 |
| Pretax return on assets | 0.2150% | 5,901 |
| Return on Equity (ROE) | 2.6014% | 5,565 |
| Retained earnings to average equity (ytd only) | -1.6285% | 6,182 |
| Net charge-offs to loans | 0.2080% | 3,903 |
| Credit loss provision to net charge-offs | 238.5159% | 1,266 |
| Earnings coverage of net charge-offs (x) | 3.6890% | 3,076 |
| Efficiency ratio | 81.0201% | 2,240 |
| Assets per employee ($millions) | 4.1128% | 3,531 |
| Cash dividends to net income (ytd only)* | 162.6016% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 4,015 |
| Loan loss allowance to noncurrent loans | 181.3149% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7891% | 5,319 |
| Noncurrent loans to loans | 0.8406% | 5,250 |
| Net loans and leases to total assets | 78.4024% | 718 |
| Net loans and leases to deposits | 89.9956% | 1,274 |
| Net loans and leases to core deposits | 95.3574% | 1,747 |
| Total domestic deposits to total assets | 87.1180% | 2,673 |
| Equity capital to assets | 8.8401% | 5,771 |
| Core capital (leverage) ratio | 8.1926% | 6,040 |
| Tier 1 risk-based capital ratio | 11.7589% | 5,964 |
| Total risk-based capital ratio | 13.0150% | 5,957 |
| Memoranda: | ||
| Average total assets | $343,297,330 | 1,903 |
| Average earning assets | $319,613,670 | 1,865 |
| Average equity | $28,369,330 | 2,289 |
| Average total loans | $272,082,000 | 1,589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 1,325 |
| Cost of funding earning assets | 2.2670% | 70 |
| Net interest margin | 3.2249% | 5,995 |
| Noninterest income to average assets | 0.0409% | 7,181 |
| Noninterest expense to average assets | 2.5680% | 5,335 |
| Loan and lease loss provision to assets | 0.6277% | 1,375 |
| Net operating income to assets | -0.1484% | 6,504 |
| Return on assets (ROA) | -0.1484% | 6,523 |
| Pretax return on assets | -0.1484% | 6,494 |
| Return on Equity (ROE) | -1.8619% | 6,570 |
| Retained earnings to average equity (ytd only) | -10.6583% | 6,894 |
| Net charge-offs to loans | 0.4080% | 2,464 |
| Credit loss provision to net charge-offs | 194.5652% | 1,521 |
| Earnings coverage of net charge-offs (x) | 1.4855% | 3,596 |
| Efficiency ratio | 83.8128% | 1,977 |
| Assets per employee ($millions) | 4.1999% | 3,462 |
| Cash dividends to net income (ytd only)* | -472.4409% | 7,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 4,233 |
| Loan loss allowance to noncurrent loans | 131.1693% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 4,877 |
| Noncurrent loans to loans | 1.1402% | 4,800 |
| Net loans and leases to total assets | 76.7257% | 920 |
| Net loans and leases to deposits | 88.4216% | 1,412 |
| Net loans and leases to core deposits | 94.7637% | 1,796 |
| Total domestic deposits to total assets | 86.7726% | 3,076 |
| Equity capital to assets | 7.7379% | 6,722 |
| Core capital (leverage) ratio | 7.4807% | 6,740 |
| Tier 1 risk-based capital ratio | 10.6949% | 6,691 |
| Total risk-based capital ratio | 11.9501% | 6,680 |
| Memoranda: | ||
| Average total assets | $342,209,500 | 1,920 |
| Average earning assets | $319,018,000 | 1,879 |
| Average equity | $27,284,000 | 2,352 |
| Average total loans | $270,597,500 | 1,622 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 1,096 |
| Cost of funding earning assets | 2.4289% | 138 |
| Net interest margin | 3.4453% | 5,456 |
| Noninterest income to average assets | 0.7373% | 2,609 |
| Noninterest expense to average assets | 2.6281% | 5,305 |
| Loan and lease loss provision to assets | 0.3975% | 3,732 |
| Net operating income to assets | 0.9008% | 2,380 |
| Return on assets (ROA) | 0.9039% | 2,506 |
| Pretax return on assets | 0.9039% | 3,273 |
| Return on Equity (ROE) | 10.7601% | 1,655 |
| Retained earnings to average equity (ytd only) | 9.8280% | 552 |
| Net charge-offs to loans | 0.2317% | 4,891 |
| Credit loss provision to net charge-offs | 210.7973% | 1,455 |
| Earnings coverage of net charge-offs (x) | 6.8854% | 2,249 |
| Efficiency ratio | 66.4885% | 4,873 |
| Assets per employee ($millions) | 4.0954% | 3,589 |
| Cash dividends to net income (ytd only)* | 8.6625% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,465 |
| Loan loss allowance to noncurrent loans | 156.1216% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 4,940 |
| Noncurrent loans to loans | 0.9026% | 5,254 |
| Net loans and leases to total assets | 79.1700% | 774 |
| Net loans and leases to deposits | 91.6689% | 1,300 |
| Net loans and leases to core deposits | 98.5620% | 1,745 |
| Total domestic deposits to total assets | 86.3652% | 3,155 |
| Equity capital to assets | 8.2168% | 6,241 |
| Core capital (leverage) ratio | 7.9722% | 6,241 |
| Tier 1 risk-based capital ratio | 11.0973% | 6,253 |
| Total risk-based capital ratio | 12.3515% | 6,223 |
| Memoranda: | ||
| Average total assets | $319,279,600 | 2,042 |
| Average earning assets | $295,530,800 | 2,012 |
| Average equity | $26,821,200 | 2,387 |
| Average total loans | $259,792,800 | 1,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 1,093 |
| Cost of funding earning assets | 2.4711% | 158 |
| Net interest margin | 3.4460% | 5,508 |
| Noninterest income to average assets | 0.6981% | 2,824 |
| Noninterest expense to average assets | 2.5431% | 5,554 |
| Loan and lease loss provision to assets | 0.4066% | 3,462 |
| Net operating income to assets | 0.9337% | 2,483 |
| Return on assets (ROA) | 0.9380% | 2,597 |
| Pretax return on assets | 0.9380% | 3,418 |
| Return on Equity (ROE) | 11.1008% | 1,756 |
| Retained earnings to average equity (ytd only) | 9.8490% | 827 |
| Net charge-offs to loans | 0.3135% | 4,082 |
| Credit loss provision to net charge-offs | 158.8430% | 2,395 |
| Earnings coverage of net charge-offs (x) | 5.2363% | 2,799 |
| Efficiency ratio | 65.0071% | 5,049 |
| Assets per employee ($millions) | 3.9091% | 4,016 |
| Cash dividends to net income (ytd only)* | 11.2767% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,975 |
| Loan loss allowance to noncurrent loans | 122.0357% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 4,856 |
| Noncurrent loans to loans | 1.0642% | 5,115 |
| Net loans and leases to total assets | 82.7209% | 428 |
| Net loans and leases to deposits | 96.3972% | 934 |
| Net loans and leases to core deposits | 103.7719% | 1,507 |
| Total domestic deposits to total assets | 85.8126% | 3,177 |
| Equity capital to assets | 8.6793% | 6,055 |
| Core capital (leverage) ratio | 8.0653% | 6,253 |
| Tier 1 risk-based capital ratio | 11.0940% | 6,290 |
| Total risk-based capital ratio | 12.3470% | 6,282 |
| Memoranda: | ||
| Average total assets | $315,143,500 | 2,092 |
| Average earning assets | $291,303,000 | 2,069 |
| Average equity | $26,628,000 | 2,448 |
| Average total loans | $257,323,000 | 1,744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8657% | 1,264 |
| Cost of funding earning assets | 2.4870% | 184 |
| Net interest margin | 3.3787% | 5,721 |
| Noninterest income to average assets | 0.8125% | 2,053 |
| Noninterest expense to average assets | 2.5403% | 5,566 |
| Loan and lease loss provision to assets | 0.3479% | 3,637 |
| Net operating income to assets | 1.0442% | 2,034 |
| Return on assets (ROA) | 1.0506% | 2,084 |
| Pretax return on assets | 1.0506% | 2,929 |
| Return on Equity (ROE) | 12.5504% | 1,340 |
| Retained earnings to average equity (ytd only) | 10.6442% | 720 |
| Net charge-offs to loans | 0.3116% | 3,762 |
| Credit loss provision to net charge-offs | 137.9747% | 2,904 |
| Earnings coverage of net charge-offs (x) | 5.5215% | 2,650 |
| Efficiency ratio | 64.1130% | 5,316 |
| Assets per employee ($millions) | 4.0719% | 3,627 |
| Cash dividends to net income (ytd only)* | 15.1883% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 5,000 |
| Loan loss allowance to noncurrent loans | 113.5986% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,763 |
| Noncurrent loans to loans | 1.1329% | 5,063 |
| Net loans and leases to total assets | 79.2857% | 905 |
| Net loans and leases to deposits | 92.8667% | 1,409 |
| Net loans and leases to core deposits | 99.8026% | 2,042 |
| Total domestic deposits to total assets | 85.3758% | 3,430 |
| Equity capital to assets | 8.5646% | 6,077 |
| Core capital (leverage) ratio | 7.9348% | 6,344 |
| Tier 1 risk-based capital ratio | 11.2802% | 5,961 |
| Total risk-based capital ratio | 12.5331% | 5,941 |
| Memoranda: | ||
| Average total assets | $313,343,330 | 2,126 |
| Average earning assets | $289,342,000 | 2,094 |
| Average equity | $26,230,330 | 2,475 |
| Average total loans | $253,548,670 | 1,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 1,481 |
| Cost of funding earning assets | 2.4718% | 244 |
| Net interest margin | 3.3221% | 5,895 |
| Noninterest income to average assets | 0.2339% | 6,284 |
| Noninterest expense to average assets | 2.4601% | 5,871 |
| Loan and lease loss provision to assets | 0.1928% | 4,573 |
| Net operating income to assets | 0.6542% | 3,640 |
| Return on assets (ROA) | 0.6671% | 3,695 |
| Pretax return on assets | 0.6671% | 4,349 |
| Return on Equity (ROE) | 8.0639% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.1795% | 3,637 |
| Net charge-offs to loans | 0.0032% | 5,579 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 89 |
| Efficiency ratio | 73.8049% | 3,601 |
| Assets per employee ($millions) | 3.9348% | 4,029 |
| Cash dividends to net income (ytd only)* | 48.1696% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,215 |
| Loan loss allowance to noncurrent loans | 113.8841% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 5,219 |
| Noncurrent loans to loans | 1.0978% | 5,160 |
| Net loans and leases to total assets | 81.3099% | 672 |
| Net loans and leases to deposits | 96.9778% | 1,000 |
| Net loans and leases to core deposits | 103.3772% | 1,788 |
| Total domestic deposits to total assets | 83.8439% | 4,222 |
| Equity capital to assets | 8.1254% | 6,512 |
| Core capital (leverage) ratio | 7.8050% | 6,497 |
| Tier 1 risk-based capital ratio | 10.4510% | 6,674 |
| Total risk-based capital ratio | 11.7032% | 6,668 |
| Memoranda: | ||
| Average total assets | $311,209,500 | 2,190 |
| Average earning assets | $287,889,000 | 2,158 |
| Average equity | $25,744,500 | 2,535 |
| Average total loans | $252,771,500 | 1,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 2,498 |
| Cost of funding earning assets | 2.8048% | 442 |
| Net interest margin | 3.0317% | 6,558 |
| Noninterest income to average assets | 0.3003% | 5,948 |
| Noninterest expense to average assets | 2.5569% | 5,931 |
| Loan and lease loss provision to assets | 0.2822% | 5,162 |
| Net operating income to assets | 0.3131% | 4,486 |
| Return on assets (ROA) | 0.5230% | 3,722 |
| Pretax return on assets | 0.5280% | 4,112 |
| Return on Equity (ROE) | 6.1560% | 3,149 |
| Retained earnings to average equity (ytd only) | 1.8263% | 3,824 |
| Net charge-offs to loans | 0.1665% | 5,621 |
| Credit loss provision to net charge-offs | 215.8568% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.5754% | 2,901 |
| Efficiency ratio | 80.4048% | 2,825 |
| Assets per employee ($millions) | 3.7963% | 4,295 |
| Cash dividends to net income (ytd only)* | 70.3325% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,824 |
| Loan loss allowance to noncurrent loans | 109.8527% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,864 |
| Noncurrent loans to loans | 1.1731% | 4,981 |
| Net loans and leases to total assets | 79.0184% | 1,178 |
| Net loans and leases to deposits | 94.5936% | 1,515 |
| Net loans and leases to core deposits | 128.3525% | 1,374 |
| Total domestic deposits to total assets | 83.5346% | 4,263 |
| Equity capital to assets | 8.4266% | 6,012 |
| Core capital (leverage) ratio | 8.0188% | 6,148 |
| Tier 1 risk-based capital ratio | 11.1510% | 5,775 |
| Total risk-based capital ratio | 12.4039% | 5,727 |
| Memoranda: | ||
| Average total assets | $299,068,400 | 2,222 |
| Average earning assets | $281,628,800 | 2,175 |
| Average equity | $25,406,200 | 2,570 |
| Average total loans | $234,874,600 | 1,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 2,604 |
| Cost of funding earning assets | 2.9220% | 418 |
| Net interest margin | 2.9438% | 6,742 |
| Noninterest income to average assets | 0.3052% | 6,039 |
| Noninterest expense to average assets | 2.4942% | 6,087 |
| Loan and lease loss provision to assets | 0.3213% | 4,416 |
| Net operating income to assets | 0.2726% | 4,891 |
| Return on assets (ROA) | 0.5393% | 3,917 |
| Pretax return on assets | 0.5460% | 4,372 |
| Return on Equity (ROE) | 6.3354% | 3,378 |
| Retained earnings to average equity (ytd only) | 0.5521% | 4,976 |
| Net charge-offs to loans | 0.1730% | 5,009 |
| Credit loss provision to net charge-offs | 237.7483% | 1,841 |
| Earnings coverage of net charge-offs (x) | 4.4238% | 3,138 |
| Efficiency ratio | 80.0116% | 2,841 |
| Assets per employee ($millions) | 4.1654% | 3,435 |
| Cash dividends to net income (ytd only)* | 91.2861% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,334 |
| Loan loss allowance to noncurrent loans | 223.2156% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 6,013 |
| Noncurrent loans to loans | 0.5948% | 6,120 |
| Net loans and leases to total assets | 76.7224% | 1,842 |
| Net loans and leases to deposits | 90.0888% | 2,564 |
| Net loans and leases to core deposits | 126.6157% | 1,691 |
| Total domestic deposits to total assets | 85.1630% | 3,142 |
| Equity capital to assets | 8.5023% | 6,250 |
| Core capital (leverage) ratio | 7.8743% | 6,540 |
| Tier 1 risk-based capital ratio | 11.4026% | 5,531 |
| Total risk-based capital ratio | 12.6560% | 5,473 |
| Memoranda: | ||
| Average total assets | $297,909,500 | 2,238 |
| Average earning assets | $282,036,000 | 2,184 |
| Average equity | $25,359,750 | 2,595 |
| Average total loans | $232,814,500 | 2,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9384% | 2,424 |
| Cost of funding earning assets | 2.9600% | 521 |
| Net interest margin | 2.9784% | 6,614 |
| Noninterest income to average assets | 0.3082% | 6,047 |
| Noninterest expense to average assets | 2.5292% | 6,019 |
| Loan and lease loss provision to assets | 0.3983% | 3,528 |
| Net operating income to assets | 0.2147% | 5,206 |
| Return on assets (ROA) | 0.6123% | 3,734 |
| Pretax return on assets | 0.6224% | 4,262 |
| Return on Equity (ROE) | 7.1899% | 3,117 |
| Retained earnings to average equity (ytd only) | -1.5012% | 5,615 |
| Net charge-offs to loans | 0.2132% | 4,179 |
| Credit loss provision to net charge-offs | 238.7097% | 1,950 |
| Earnings coverage of net charge-offs (x) | 3.6855% | 3,341 |
| Efficiency ratio | 79.7988% | 3,073 |
| Assets per employee ($millions) | 4.2263% | 3,242 |
| Cash dividends to net income (ytd only)* | 120.8791% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,325 |
| Loan loss allowance to noncurrent loans | 205.5744% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,533 |
| Noncurrent loans to loans | 0.6275% | 5,993 |
| Net loans and leases to total assets | 79.3558% | 1,445 |
| Net loans and leases to deposits | 91.1947% | 2,615 |
| Net loans and leases to core deposits | 126.8332% | 1,795 |
| Total domestic deposits to total assets | 87.0180% | 2,248 |
| Equity capital to assets | 8.5158% | 6,024 |
| Core capital (leverage) ratio | 7.7870% | 6,632 |
| Tier 1 risk-based capital ratio | 11.7856% | 5,115 |
| Total risk-based capital ratio | 13.0392% | 5,026 |
| Memoranda: | ||
| Average total assets | $297,244,000 | 2,269 |
| Average earning assets | $283,037,000 | 2,209 |
| Average equity | $25,313,330 | 2,616 |
| Average total loans | $232,689,000 | 2,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 2,221 |
| Cost of funding earning assets | 2.9756% | 638 |
| Net interest margin | 3.0582% | 6,309 |
| Noninterest income to average assets | 0.2653% | 6,325 |
| Noninterest expense to average assets | 2.4075% | 6,168 |
| Loan and lease loss provision to assets | 0.2599% | 3,882 |
| Net operating income to assets | 0.5106% | 4,368 |
| Return on assets (ROA) | 0.7212% | 3,655 |
| Pretax return on assets | 0.7212% | 4,354 |
| Return on Equity (ROE) | 8.4685% | 2,936 |
| Retained earnings to average equity (ytd only) | -8.7503% | 6,990 |
| Net charge-offs to loans | 0.3071% | 2,878 |
| Credit loss provision to net charge-offs | 109.5506% | 3,514 |
| Earnings coverage of net charge-offs (x) | 3.2472% | 3,233 |
| Efficiency ratio | 75.1258% | 3,635 |
| Assets per employee ($millions) | 4.4082% | 2,868 |
| Cash dividends to net income (ytd only)* | 203.3272% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,080 |
| Loan loss allowance to noncurrent loans | 123.4890% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 4,754 |
| Noncurrent loans to loans | 0.9361% | 5,126 |
| Net loans and leases to total assets | 76.9358% | 2,052 |
| Net loans and leases to deposits | 88.1930% | 3,258 |
| Net loans and leases to core deposits | 122.4641% | 2,214 |
| Total domestic deposits to total assets | 87.2357% | 2,102 |
| Equity capital to assets | 8.4078% | 6,219 |
| Core capital (leverage) ratio | 7.6502% | 6,951 |
| Tier 1 risk-based capital ratio | 11.6155% | 5,285 |
| Total risk-based capital ratio | 12.8675% | 5,195 |
| Memoranda: | ||
| Average total assets | $300,060,000 | 2,264 |
| Average earning assets | $285,788,500 | 2,209 |
| Average equity | $25,553,500 | 2,602 |
| Average total loans | $231,816,000 | 2,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1810% | 4,610 |
| Cost of funding earning assets | 3.0096% | 1,841 |
| Net interest margin | 3.1715% | 6,460 |
| Noninterest income to average assets | 0.3055% | 6,267 |
| Noninterest expense to average assets | 2.5267% | 5,902 |
| Loan and lease loss provision to assets | 0.3440% | 3,644 |
| Net operating income to assets | 0.4783% | 4,841 |
| Return on assets (ROA) | 0.4973% | 4,590 |
| Pretax return on assets | 0.4790% | 5,040 |
| Return on Equity (ROE) | 5.7110% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.7110% | 1,660 |
| Net charge-offs to loans | 0.1193% | 5,062 |
| Credit loss provision to net charge-offs | 401.7094% | 1,092 |
| Earnings coverage of net charge-offs (x) | 9.3889% | 2,694 |
| Efficiency ratio | 75.2802% | 3,362 |
| Assets per employee ($millions) | 4.4830% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,824 |
| Loan loss allowance to noncurrent loans | 192.5287% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 5,475 |
| Noncurrent loans to loans | 0.6044% | 5,560 |
| Net loans and leases to total assets | 75.7865% | 2,681 |
| Net loans and leases to deposits | 87.0276% | 3,942 |
| Net loans and leases to core deposits | 120.6354% | 2,629 |
| Total domestic deposits to total assets | 87.0832% | 1,896 |
| Equity capital to assets | 8.6243% | 5,894 |
| Core capital (leverage) ratio | 8.0056% | 6,479 |
| Tier 1 risk-based capital ratio | 12.1963% | 4,669 |
| Total risk-based capital ratio | 13.4484% | 4,561 |
| Memoranda: | ||
| Average total assets | $273,283,200 | 2,356 |
| Average earning assets | $260,668,800 | 2,288 |
| Average equity | $23,796,000 | 2,753 |
| Average total loans | $196,213,200 | 2,338 |