Home > Illinois Bank & Trust > Performance and Condition Ratios
Illinois Bank & Trust, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1838% | 3,471 |
| Cost of funding earning assets | 0.1362% | 3,977 |
| Net interest margin | 3.0476% | 3,086 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.0489% | 3,353 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.5424% | 755 |
| Return on assets (ROA) | 1.5332% | 753 |
| Pretax return on assets | 1.9649% | 502 |
| Return on Equity (ROE) | 21.9000% | 295 |
| Retained earnings to average equity (ytd only) | 3.8366% | 3,501 |
| Net charge-offs to loans | 0.0132% | 1,627 |
| Credit loss provision to net charge-offs | -1,201.1905% | 4,724 |
| Earnings coverage of net charge-offs (x) | 292.7619% | 481 |
| Efficiency ratio | 51.0106% | 4,090 |
| Assets per employee ($millions) | 22.5683% | 80 |
| Cash dividends to net income (ytd only)* | 82.4827% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,127 |
| Loan loss allowance to noncurrent loans | 578.1116% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,143 |
| Noncurrent loans to loans | 0.1355% | 2,959 |
| Net loans and leases to total assets | 51.7700% | 3,301 |
| Net loans and leases to deposits | 55.5451% | 3,514 |
| Net loans and leases to core deposits | 56.6489% | 3,585 |
| Total domestic deposits to total assets | 93.2100% | 522 |
| Equity capital to assets | 5.5879% | 4,101 |
| Core capital (leverage) ratio | 7.5344% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4749% | 2,661 |
| Memoranda: | ||
| Average total assets | $1,686,876,000 | 644 |
| Average earning assets | $1,599,245,250 | 620 |
| Average equity | $118,087,750 | 842 |
| Average total loans | $847,242,750 | 782 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9716% | 3,622 |
| Cost of funding earning assets | 0.0763% | 4,412 |
| Net interest margin | 2.8953% | 3,183 |
| Noninterest income to average assets | 1.2182% | 463 |
| Noninterest expense to average assets | 2.0765% | 3,217 |
| Loan and lease loss provision to assets | -0.0576% | 4,533 |
| Net operating income to assets | 1.5244% | 663 |
| Return on assets (ROA) | 1.5255% | 643 |
| Pretax return on assets | 1.9523% | 421 |
| Return on Equity (ROE) | 20.4585% | 278 |
| Retained earnings to average equity (ytd only) | 6.2589% | 2,255 |
| Net charge-offs to loans | 0.0138% | 1,503 |
| Credit loss provision to net charge-offs | -1,237.9310% | 3,597 |
| Earnings coverage of net charge-offs (x) | 277.4655% | 427 |
| Efficiency ratio | 52.0019% | 4,129 |
| Assets per employee ($millions) | 21.2696% | 91 |
| Cash dividends to net income (ytd only)* | 69.4070% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 4,115 |
| Loan loss allowance to noncurrent loans | 633.6029% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,279 |
| Noncurrent loans to loans | 0.1319% | 3,053 |
| Net loans and leases to total assets | 49.1694% | 3,455 |
| Net loans and leases to deposits | 52.8983% | 3,616 |
| Net loans and leases to core deposits | 53.2515% | 3,741 |
| Total domestic deposits to total assets | 92.9508% | 529 |
| Equity capital to assets | 6.4293% | 4,046 |
| Core capital (leverage) ratio | 7.3978% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7186% | 2,597 |
| Memoranda: | ||
| Average total assets | $1,700,005,333 | 637 |
| Average earning assets | $1,615,580,667 | 618 |
| Average equity | $126,763,667 | 795 |
| Average total loans | $843,098,333 | 775 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8975% | 3,544 |
| Cost of funding earning assets | 0.0573% | 4,547 |
| Net interest margin | 2.8402% | 3,012 |
| Noninterest income to average assets | 0.7020% | 1,311 |
| Noninterest expense to average assets | 2.1066% | 3,125 |
| Loan and lease loss provision to assets | -0.1780% | 4,673 |
| Net operating income to assets | 1.1663% | 1,338 |
| Return on assets (ROA) | 1.1923% | 1,261 |
| Pretax return on assets | 1.5132% | 994 |
| Return on Equity (ROE) | 14.9580% | 660 |
| Retained earnings to average equity (ytd only) | 14.9580% | 291 |
| Net charge-offs to loans | 0.0071% | 1,489 |
| Credit loss provision to net charge-offs | -4,200.0000% | 3,490 |
| Earnings coverage of net charge-offs (x) | 368.8000% | 271 |
| Efficiency ratio | 61.4391% | 3,332 |
| Assets per employee ($millions) | 20.3749% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 4,156 |
| Loan loss allowance to noncurrent loans | 577.8761% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,698 |
| Noncurrent loans to loans | 0.1468% | 3,072 |
| Net loans and leases to total assets | 49.0651% | 3,271 |
| Net loans and leases to deposits | 53.3079% | 3,471 |
| Net loans and leases to core deposits | 53.6352% | 3,622 |
| Total domestic deposits to total assets | 92.0411% | 561 |
| Equity capital to assets | 7.3527% | 4,018 |
| Core capital (leverage) ratio | 7.8365% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0830% | 2,581 |
| Memoranda: | ||
| Average total assets | $1,699,224,500 | 638 |
| Average earning assets | $1,619,451,000 | 616 |
| Average equity | $135,446,000 | 755 |
| Average total loans | $842,796,500 | 771 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1814% | 3,516 |
| Cost of funding earning assets | 0.0645% | 4,619 |
| Net interest margin | 3.1169% | 2,852 |
| Noninterest income to average assets | 0.6166% | 2,090 |
| Noninterest expense to average assets | 2.0962% | 3,400 |
| Loan and lease loss provision to assets | -0.1852% | 4,677 |
| Net operating income to assets | 1.3081% | 1,578 |
| Return on assets (ROA) | 1.3387% | 1,517 |
| Pretax return on assets | 1.7075% | 1,127 |
| Return on Equity (ROE) | 14.6559% | 1,032 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,532 |
| Net charge-offs to loans | 0.0028% | 2,522 |
| Credit loss provision to net charge-offs | -13,266.6667% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1,007.5000% | 148 |
| Efficiency ratio | 58.1644% | 3,421 |
| Assets per employee ($millions) | 19.1700% | 119 |
| Cash dividends to net income (ytd only)* | 77.9173% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,984 |
| Loan loss allowance to noncurrent loans | 602.1538% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 3,064 |
| Noncurrent loans to loans | 0.1550% | 3,160 |
| Net loans and leases to total assets | 49.2506% | 3,375 |
| Net loans and leases to deposits | 55.5275% | 3,465 |
| Net loans and leases to core deposits | 55.9901% | 3,617 |
| Total domestic deposits to total assets | 88.6958% | 1,668 |
| Equity capital to assets | 8.5984% | 3,992 |
| Core capital (leverage) ratio | 7.5503% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8796% | 2,671 |
| Memoranda: | ||
| Average total assets | $1,629,832,000 | 638 |
| Average earning assets | $1,549,466,600 | 621 |
| Average equity | $148,868,200 | 718 |
| Average total loans | $858,165,000 | 758 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 3,525 |
| Cost of funding earning assets | 0.0654% | 4,709 |
| Net interest margin | 3.1793% | 2,793 |
| Noninterest income to average assets | 0.6268% | 2,110 |
| Noninterest expense to average assets | 1.9965% | 3,683 |
| Loan and lease loss provision to assets | -0.2585% | 4,805 |
| Net operating income to assets | 1.4905% | 1,297 |
| Return on assets (ROA) | 1.5292% | 1,245 |
| Pretax return on assets | 1.9569% | 853 |
| Return on Equity (ROE) | 16.4894% | 851 |
| Retained earnings to average equity (ytd only) | 5.8103% | 2,910 |
| Net charge-offs to loans | -0.0009% | 3,116 |
| Credit loss provision to net charge-offs | 51,616.6667% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3654% | 3,758 |
| Assets per employee ($millions) | 20.0066% | 102 |
| Cash dividends to net income (ytd only)* | 64.7633% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,983 |
| Loan loss allowance to noncurrent loans | 569.9426% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 3,059 |
| Noncurrent loans to loans | 0.1681% | 3,278 |
| Net loans and leases to total assets | 48.8691% | 3,539 |
| Net loans and leases to deposits | 54.3945% | 3,702 |
| Net loans and leases to core deposits | 54.8561% | 3,860 |
| Total domestic deposits to total assets | 89.8420% | 845 |
| Equity capital to assets | 8.9641% | 3,863 |
| Core capital (leverage) ratio | 7.5536% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2087% | 2,644 |
| Memoranda: | ||
| Average total assets | $1,615,550,250 | 652 |
| Average earning assets | $1,534,151,750 | 631 |
| Average equity | $149,822,250 | 720 |
| Average total loans | $863,040,000 | 767 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3119% | 3,391 |
| Cost of funding earning assets | 0.0659% | 4,763 |
| Net interest margin | 3.2460% | 2,614 |
| Noninterest income to average assets | 0.6438% | 2,024 |
| Noninterest expense to average assets | 1.9966% | 3,709 |
| Loan and lease loss provision to assets | -0.2413% | 4,798 |
| Net operating income to assets | 1.5361% | 1,200 |
| Return on assets (ROA) | 1.5765% | 1,161 |
| Pretax return on assets | 2.0176% | 814 |
| Return on Equity (ROE) | 16.8027% | 813 |
| Retained earnings to average equity (ytd only) | 4.7664% | 3,274 |
| Net charge-offs to loans | 0.0231% | 1,483 |
| Credit loss provision to net charge-offs | -1,776.2376% | 3,801 |
| Earnings coverage of net charge-offs (x) | 136.1188% | 626 |
| Efficiency ratio | 53.2569% | 3,893 |
| Assets per employee ($millions) | 20.6368% | 88 |
| Cash dividends to net income (ytd only)* | 71.6332% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,517 |
| Loan loss allowance to noncurrent loans | 482.6294% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 2,843 |
| Noncurrent loans to loans | 0.2230% | 3,159 |
| Net loans and leases to total assets | 50.2538% | 3,537 |
| Net loans and leases to deposits | 55.5538% | 3,747 |
| Net loans and leases to core deposits | 56.0626% | 3,887 |
| Total domestic deposits to total assets | 90.4597% | 569 |
| Equity capital to assets | 9.0246% | 3,772 |
| Core capital (leverage) ratio | 7.6349% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3135% | 2,604 |
| Memoranda: | ||
| Average total assets | $1,593,881,000 | 653 |
| Average earning assets | $1,511,325,000 | 628 |
| Average equity | $149,547,333 | 719 |
| Average total loans | $874,314,000 | 758 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 3,445 |
| Cost of funding earning assets | 0.0754% | 4,774 |
| Net interest margin | 3.2252% | 2,617 |
| Noninterest income to average assets | 0.6410% | 2,061 |
| Noninterest expense to average assets | 1.9835% | 3,770 |
| Loan and lease loss provision to assets | -0.1335% | 4,757 |
| Net operating income to assets | 1.4438% | 1,454 |
| Return on assets (ROA) | 1.4361% | 1,553 |
| Pretax return on assets | 1.8297% | 1,236 |
| Return on Equity (ROE) | 14.9986% | 1,211 |
| Retained earnings to average equity (ytd only) | 14.9986% | 624 |
| Net charge-offs to loans | 0.0401% | 1,064 |
| Credit loss provision to net charge-offs | -497.7528% | 3,166 |
| Earnings coverage of net charge-offs (x) | 74.5169% | 732 |
| Efficiency ratio | 53.3570% | 3,868 |
| Assets per employee ($millions) | 18.2133% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 3,052 |
| Loan loss allowance to noncurrent loans | 357.8876% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 2,616 |
| Noncurrent loans to loans | 0.3289% | 2,915 |
| Net loans and leases to total assets | 55.6557% | 3,084 |
| Net loans and leases to deposits | 61.8257% | 3,330 |
| Net loans and leases to core deposits | 62.3721% | 3,554 |
| Total domestic deposits to total assets | 90.0203% | 806 |
| Equity capital to assets | 9.4293% | 3,262 |
| Core capital (leverage) ratio | 8.4502% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1906% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,555,032,000 | 659 |
| Average earning assets | $1,469,784,000 | 640 |
| Average equity | $148,894,000 | 719 |
| Average total loans | $886,884,500 | 744 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 3,167 |
| Cost of funding earning assets | 0.2553% | 4,357 |
| Net interest margin | 3.5943% | 2,158 |
| Noninterest income to average assets | 0.5729% | 2,325 |
| Noninterest expense to average assets | 2.4334% | 3,045 |
| Loan and lease loss provision to assets | 0.3608% | 936 |
| Net operating income to assets | 0.9305% | 2,560 |
| Return on assets (ROA) | 0.9586% | 2,590 |
| Pretax return on assets | 1.2062% | 2,303 |
| Return on Equity (ROE) | 9.8292% | 2,065 |
| Retained earnings to average equity (ytd only) | 8.3835% | 942 |
| Net charge-offs to loans | 0.3601% | 482 |
| Credit loss provision to net charge-offs | 156.6869% | 2,386 |
| Earnings coverage of net charge-offs (x) | 6.6033% | 2,764 |
| Efficiency ratio | 60.6298% | 3,369 |
| Assets per employee ($millions) | 15.8907% | 154 |
| Cash dividends to net income (ytd only)* | 14.7080% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,670 |
| Loan loss allowance to noncurrent loans | 266.4413% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 2,498 |
| Noncurrent loans to loans | 0.4700% | 2,560 |
| Net loans and leases to total assets | 57.0521% | 3,198 |
| Net loans and leases to deposits | 65.0143% | 3,360 |
| Net loans and leases to core deposits | 65.7319% | 3,564 |
| Total domestic deposits to total assets | 87.7532% | 1,586 |
| Equity capital to assets | 9.7263% | 3,385 |
| Core capital (leverage) ratio | 8.2201% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1323% | 2,577 |
| Memoranda: | ||
| Average total assets | $1,418,534,200 | 648 |
| Average earning assets | $1,338,676,000 | 629 |
| Average equity | $138,342,800 | 730 |
| Average total loans | $913,642,800 | 701 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,234 |
| Cost of funding earning assets | 0.3126% | 4,258 |
| Net interest margin | 3.5920% | 2,302 |
| Noninterest income to average assets | 0.6995% | 1,806 |
| Noninterest expense to average assets | 2.4488% | 2,994 |
| Loan and lease loss provision to assets | 0.3515% | 1,077 |
| Net operating income to assets | 1.0116% | 2,300 |
| Return on assets (ROA) | 1.0457% | 2,293 |
| Pretax return on assets | 1.3245% | 1,956 |
| Return on Equity (ROE) | 10.7147% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.7147% | 628 |
| Net charge-offs to loans | 0.4720% | 315 |
| Credit loss provision to net charge-offs | 113.5152% | 2,526 |
| Earnings coverage of net charge-offs (x) | 5.2234% | 2,753 |
| Efficiency ratio | 59.2170% | 3,492 |
| Assets per employee ($millions) | 15.4640% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,611 |
| Loan loss allowance to noncurrent loans | 196.0432% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,373 |
| Noncurrent loans to loans | 0.5209% | 2,493 |
| Net loans and leases to total assets | 62.1102% | 2,993 |
| Net loans and leases to deposits | 71.2544% | 3,201 |
| Net loans and leases to core deposits | 72.1048% | 3,463 |
| Total domestic deposits to total assets | 87.1668% | 1,597 |
| Equity capital to assets | 9.7793% | 3,449 |
| Core capital (leverage) ratio | 8.3449% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0820% | 2,581 |
| Memoranda: | ||
| Average total assets | $1,391,792,000 | 646 |
| Average earning assets | $1,310,447,750 | 623 |
| Average equity | $135,834,750 | 734 |
| Average total loans | $921,711,750 | 689 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,265 |
| Cost of funding earning assets | 0.4107% | 3,994 |
| Net interest margin | 3.6120% | 2,447 |
| Noninterest income to average assets | 0.7556% | 1,563 |
| Noninterest expense to average assets | 2.6287% | 2,575 |
| Loan and lease loss provision to assets | 0.6475% | 453 |
| Net operating income to assets | 0.7105% | 3,359 |
| Return on assets (ROA) | 0.7429% | 3,354 |
| Pretax return on assets | 0.9139% | 3,274 |
| Return on Equity (ROE) | 7.6178% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.6178% | 1,427 |
| Net charge-offs to loans | 0.1324% | 1,052 |
| Credit loss provision to net charge-offs | 730.0330% | 973 |
| Earnings coverage of net charge-offs (x) | 17.0182% | 1,832 |
| Efficiency ratio | 62.5124% | 3,045 |
| Assets per employee ($millions) | 13.6111% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,901 |
| Loan loss allowance to noncurrent loans | 161.6150% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 1,811 |
| Noncurrent loans to loans | 0.8181% | 1,859 |
| Net loans and leases to total assets | 65.9451% | 2,636 |
| Net loans and leases to deposits | 73.5021% | 3,122 |
| Net loans and leases to core deposits | 74.6552% | 3,409 |
| Total domestic deposits to total assets | 89.7187% | 484 |
| Equity capital to assets | 9.5047% | 3,655 |
| Core capital (leverage) ratio | 8.1807% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4161% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,355,718,667 | 647 |
| Average earning assets | $1,274,076,333 | 629 |
| Average equity | $132,216,000 | 745 |
| Average total loans | $915,191,667 | 684 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,354 |
| Cost of funding earning assets | 0.6387% | 3,232 |
| Net interest margin | 3.5189% | 2,918 |
| Noninterest income to average assets | 0.8061% | 1,292 |
| Noninterest expense to average assets | 2.8262% | 2,354 |
| Loan and lease loss provision to assets | 0.2738% | 1,142 |
| Net operating income to assets | 0.7921% | 2,935 |
| Return on assets (ROA) | 0.7959% | 3,013 |
| Pretax return on assets | 1.0103% | 2,811 |
| Return on Equity (ROE) | 8.0458% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.0458% | 1,219 |
| Net charge-offs to loans | 0.1574% | 820 |
| Credit loss provision to net charge-offs | 255.3314% | 1,273 |
| Earnings coverage of net charge-offs (x) | 11.9683% | 1,712 |
| Efficiency ratio | 67.8421% | 2,698 |
| Assets per employee ($millions) | 11.3683% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,217 |
| Loan loss allowance to noncurrent loans | 294.4209% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 2,698 |
| Noncurrent loans to loans | 0.3729% | 3,147 |
| Net loans and leases to total assets | 67.4960% | 2,617 |
| Net loans and leases to deposits | 76.7350% | 3,008 |
| Net loans and leases to core deposits | 78.5754% | 3,308 |
| Total domestic deposits to total assets | 87.9598% | 1,128 |
| Equity capital to assets | 10.2222% | 3,580 |
| Core capital (leverage) ratio | 8.7216% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8592% | 3,139 |
| Memoranda: | ||
| Average total assets | $1,298,578,000 | 643 |
| Average earning assets | $1,217,524,000 | 626 |
| Average equity | $128,464,500 | 756 |
| Average total loans | $881,596,500 | 686 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,645 |
| Cost of funding earning assets | 0.5035% | 4,080 |
| Net interest margin | 3.2288% | 4,129 |
| Noninterest income to average assets | 0.8629% | 1,264 |
| Noninterest expense to average assets | 2.7211% | 2,828 |
| Loan and lease loss provision to assets | 0.0715% | 2,569 |
| Net operating income to assets | 0.8724% | 3,306 |
| Return on assets (ROA) | 0.8993% | 3,296 |
| Pretax return on assets | 1.1143% | 3,123 |
| Return on Equity (ROE) | 10.1407% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.9258% | 726 |
| Net charge-offs to loans | 0.0330% | 2,726 |
| Credit loss provision to net charge-offs | 349.4737% | 803 |
| Earnings coverage of net charge-offs (x) | 56.3053% | 1,029 |
| Efficiency ratio | 69.5528% | 2,242 |
| Assets per employee ($millions) | 11.0269% | 294 |
| Cash dividends to net income (ytd only)* | 11.9804% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5301% | 4,853 |
| Loan loss allowance to noncurrent loans | 124.0810% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 2,511 |
| Noncurrent loans to loans | 0.4272% | 2,916 |
| Net loans and leases to total assets | 67.1770% | 2,802 |
| Net loans and leases to deposits | 74.8424% | 3,276 |
| Net loans and leases to core deposits | 77.2614% | 3,497 |
| Total domestic deposits to total assets | 89.7579% | 405 |
| Equity capital to assets | 9.5645% | 4,299 |
| Core capital (leverage) ratio | 10.2642% | 3,226 |
| Tier 1 risk-based capital ratio | 10.0829% | 5,113 |
| Total risk-based capital ratio | 10.5397% | 5,157 |
| Memoranda: | ||
| Average total assets | $928,148,800 | 846 |
| Average earning assets | $865,484,000 | 835 |
| Average equity | $82,311,800 | 1,065 |
| Average total loans | $574,924,400 | 946 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,454 |
| Cost of funding earning assets | 0.4931% | 4,169 |
| Net interest margin | 3.4602% | 3,697 |
| Noninterest income to average assets | 0.9401% | 1,063 |
| Noninterest expense to average assets | 2.8008% | 2,557 |
| Loan and lease loss provision to assets | 0.0949% | 2,018 |
| Net operating income to assets | 1.0161% | 2,921 |
| Return on assets (ROA) | 1.0550% | 2,848 |
| Pretax return on assets | 1.3149% | 2,616 |
| Return on Equity (ROE) | 12.2710% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.4135% | 651 |
| Net charge-offs to loans | 0.0029% | 3,313 |
| Credit loss provision to net charge-offs | 5,400.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 774.7137% | 122 |
| Efficiency ratio | 66.3380% | 2,682 |
| Assets per employee ($millions) | 10.1335% | 338 |
| Cash dividends to net income (ytd only)* | 15.1378% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,019 |
| Loan loss allowance to noncurrent loans | 303.4373% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,839 |
| Noncurrent loans to loans | 0.2984% | 3,470 |
| Net loans and leases to total assets | 59.8620% | 3,685 |
| Net loans and leases to deposits | 67.9040% | 3,927 |
| Net loans and leases to core deposits | 68.2286% | 4,159 |
| Total domestic deposits to total assets | 88.1568% | 971 |
| Equity capital to assets | 8.8352% | 4,857 |
| Core capital (leverage) ratio | 9.0137% | 4,626 |
| Tier 1 risk-based capital ratio | 11.9758% | 4,427 |
| Total risk-based capital ratio | 12.7309% | 4,579 |
| Memoranda: | ||
| Average total assets | $834,893,000 | 942 |
| Average earning assets | $777,396,500 | 932 |
| Average equity | $71,777,000 | 1,195 |
| Average total loans | $498,969,000 | 1,082 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 4,511 |
| Cost of funding earning assets | 0.4496% | 4,328 |
| Net interest margin | 3.4811% | 3,652 |
| Noninterest income to average assets | 0.9598% | 954 |
| Noninterest expense to average assets | 2.8805% | 2,331 |
| Loan and lease loss provision to assets | 0.1023% | 1,826 |
| Net operating income to assets | 1.0145% | 2,866 |
| Return on assets (ROA) | 1.0655% | 2,723 |
| Pretax return on assets | 1.3210% | 2,475 |
| Return on Equity (ROE) | 12.5162% | 1,404 |
| Retained earnings to average equity (ytd only) | 9.6606% | 861 |
| Net charge-offs to loans | 0.0796% | 1,566 |
| Credit loss provision to net charge-offs | 215.8974% | 1,143 |
| Earnings coverage of net charge-offs (x) | 28.6974% | 1,506 |
| Efficiency ratio | 66.4947% | 2,751 |
| Assets per employee ($millions) | 9.5824% | 384 |
| Cash dividends to net income (ytd only)* | 22.8154% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 4,181 |
| Loan loss allowance to noncurrent loans | 254.4720% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 3,733 |
| Noncurrent loans to loans | 0.3437% | 3,316 |
| Net loans and leases to total assets | 58.6112% | 3,854 |
| Net loans and leases to deposits | 64.9519% | 4,163 |
| Net loans and leases to core deposits | 65.2273% | 4,348 |
| Total domestic deposits to total assets | 90.2379% | 266 |
| Equity capital to assets | 8.6073% | 5,001 |
| Core capital (leverage) ratio | 9.0301% | 4,606 |
| Tier 1 risk-based capital ratio | 12.3161% | 4,231 |
| Total risk-based capital ratio | 13.0562% | 4,417 |
| Memoranda: | ||
| Average total assets | $822,698,000 | 952 |
| Average earning assets | $775,441,330 | 930 |
| Average equity | $70,037,000 | 1,210 |
| Average total loans | $489,808,330 | 1,099 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 4,410 |
| Cost of funding earning assets | 0.3978% | 4,494 |
| Net interest margin | 3.5814% | 3,320 |
| Noninterest income to average assets | 0.9465% | 923 |
| Noninterest expense to average assets | 2.8404% | 2,440 |
| Loan and lease loss provision to assets | 0.0178% | 3,209 |
| Net operating income to assets | 1.1681% | 2,183 |
| Return on assets (ROA) | 1.3036% | 1,721 |
| Pretax return on assets | 1.6334% | 1,386 |
| Return on Equity (ROE) | 15.4025% | 680 |
| Retained earnings to average equity (ytd only) | 15.4025% | 251 |
| Net charge-offs to loans | 0.1136% | 1,054 |
| Credit loss provision to net charge-offs | 26.2774% | 2,107 |
| Earnings coverage of net charge-offs (x) | 21.8394% | 1,520 |
| Efficiency ratio | 65.4406% | 3,017 |
| Assets per employee ($millions) | 8.8082% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,394 |
| Loan loss allowance to noncurrent loans | 193.0496% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,463 |
| Noncurrent loans to loans | 0.4338% | 3,027 |
| Net loans and leases to total assets | 59.6604% | 3,742 |
| Net loans and leases to deposits | 65.7681% | 4,073 |
| Net loans and leases to core deposits | 66.7734% | 4,245 |
| Total domestic deposits to total assets | 90.7132% | 224 |
| Equity capital to assets | 8.7544% | 4,854 |
| Core capital (leverage) ratio | 9.0692% | 4,601 |
| Tier 1 risk-based capital ratio | 12.5603% | 4,126 |
| Total risk-based capital ratio | 13.2681% | 4,341 |
| Memoranda: | ||
| Average total assets | $807,632,000 | 966 |
| Average earning assets | $761,271,500 | 947 |
| Average equity | $68,352,500 | 1,227 |
| Average total loans | $482,580,500 | 1,119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,430 |
| Cost of funding earning assets | 0.3058% | 4,550 |
| Net interest margin | 3.5207% | 3,635 |
| Noninterest income to average assets | 0.9567% | 1,047 |
| Noninterest expense to average assets | 2.8178% | 2,630 |
| Loan and lease loss provision to assets | -0.0106% | 5,109 |
| Net operating income to assets | 1.1952% | 2,194 |
| Return on assets (ROA) | 1.2298% | 2,040 |
| Pretax return on assets | 1.5076% | 1,758 |
| Return on Equity (ROE) | 15.1814% | 783 |
| Retained earnings to average equity (ytd only) | 5.8217% | 2,284 |
| Net charge-offs to loans | 0.1184% | 1,556 |
| Credit loss provision to net charge-offs | -15.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | 20.5571% | 1,992 |
| Efficiency ratio | 65.6315% | 2,928 |
| Assets per employee ($millions) | 8.9434% | 479 |
| Cash dividends to net income (ytd only)* | 61.6523% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,268 |
| Loan loss allowance to noncurrent loans | 243.3973% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 3,647 |
| Noncurrent loans to loans | 0.3599% | 3,249 |
| Net loans and leases to total assets | 58.8182% | 3,891 |
| Net loans and leases to deposits | 66.1697% | 4,108 |
| Net loans and leases to core deposits | 67.2333% | 4,284 |
| Total domestic deposits to total assets | 88.8900% | 906 |
| Equity capital to assets | 8.1703% | 5,097 |
| Core capital (leverage) ratio | 8.5570% | 4,986 |
| Tier 1 risk-based capital ratio | 12.2866% | 4,242 |
| Total risk-based capital ratio | 13.0167% | 4,462 |
| Memoranda: | ||
| Average total assets | $791,325,200 | 957 |
| Average earning assets | $745,270,800 | 939 |
| Average equity | $64,104,800 | 1,249 |
| Average total loans | $473,046,800 | 1,104 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,613 |
| Cost of funding earning assets | 0.2971% | 4,542 |
| Net interest margin | 3.4260% | 3,929 |
| Noninterest income to average assets | 0.9295% | 1,113 |
| Noninterest expense to average assets | 2.6799% | 3,032 |
| Loan and lease loss provision to assets | -0.0457% | 5,279 |
| Net operating income to assets | 1.2442% | 2,065 |
| Return on assets (ROA) | 1.2779% | 1,939 |
| Pretax return on assets | 1.5636% | 1,694 |
| Return on Equity (ROE) | 15.8095% | 723 |
| Retained earnings to average equity (ytd only) | 6.3891% | 2,441 |
| Net charge-offs to loans | 0.1495% | 1,100 |
| Credit loss provision to net charge-offs | -51.0397% | 4,165 |
| Earnings coverage of net charge-offs (x) | 16.4971% | 2,161 |
| Efficiency ratio | 64.1345% | 3,160 |
| Assets per employee ($millions) | 9.0356% | 445 |
| Cash dividends to net income (ytd only)* | 59.5869% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,436 |
| Loan loss allowance to noncurrent loans | 251.4981% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,791 |
| Noncurrent loans to loans | 0.3405% | 3,436 |
| Net loans and leases to total assets | 58.6657% | 3,976 |
| Net loans and leases to deposits | 64.1822% | 4,320 |
| Net loans and leases to core deposits | 65.2013% | 4,447 |
| Total domestic deposits to total assets | 91.4049% | 148 |
| Equity capital to assets | 8.0120% | 5,176 |
| Core capital (leverage) ratio | 8.2746% | 5,215 |
| Tier 1 risk-based capital ratio | 12.2225% | 4,361 |
| Total risk-based capital ratio | 12.9292% | 4,574 |
| Memoranda: | ||
| Average total assets | $787,929,750 | 961 |
| Average earning assets | $742,185,000 | 944 |
| Average equity | $63,690,250 | 1,253 |
| Average total loans | $471,904,500 | 1,103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 4,759 |
| Cost of funding earning assets | 0.2555% | 4,722 |
| Net interest margin | 3.3502% | 4,107 |
| Noninterest income to average assets | 0.9229% | 1,123 |
| Noninterest expense to average assets | 2.6362% | 3,198 |
| Loan and lease loss provision to assets | -0.0970% | 5,424 |
| Net operating income to assets | 1.2585% | 1,947 |
| Return on assets (ROA) | 1.3069% | 1,739 |
| Pretax return on assets | 1.6005% | 1,500 |
| Return on Equity (ROE) | 16.1200% | 650 |
| Retained earnings to average equity (ytd only) | 9.8391% | 969 |
| Net charge-offs to loans | 0.1528% | 1,010 |
| Credit loss provision to net charge-offs | -105.5402% | 4,093 |
| Earnings coverage of net charge-offs (x) | 15.7147% | 2,027 |
| Efficiency ratio | 64.2603% | 3,282 |
| Assets per employee ($millions) | 8.9358% | 459 |
| Cash dividends to net income (ytd only)* | 38.9636% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,495 |
| Loan loss allowance to noncurrent loans | 246.5902% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,866 |
| Noncurrent loans to loans | 0.3510% | 3,442 |
| Net loans and leases to total assets | 56.9284% | 4,088 |
| Net loans and leases to deposits | 62.1498% | 4,413 |
| Net loans and leases to core deposits | 63.1239% | 4,544 |
| Total domestic deposits to total assets | 91.5986% | 135 |
| Equity capital to assets | 7.8383% | 5,286 |
| Core capital (leverage) ratio | 8.4846% | 5,123 |
| Tier 1 risk-based capital ratio | 12.0807% | 4,453 |
| Total risk-based capital ratio | 12.7891% | 4,662 |
| Memoranda: | ||
| Average total assets | $785,529,000 | 967 |
| Average earning assets | $740,367,330 | 951 |
| Average equity | $63,685,000 | 1,256 |
| Average total loans | $472,373,000 | 1,107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,358 |
| Cost of funding earning assets | 0.1867% | 5,092 |
| Net interest margin | 3.5636% | 3,304 |
| Noninterest income to average assets | 0.8993% | 1,149 |
| Noninterest expense to average assets | 2.7099% | 3,010 |
| Loan and lease loss provision to assets | -0.0808% | 5,496 |
| Net operating income to assets | 1.3277% | 1,553 |
| Return on assets (ROA) | 1.4139% | 1,318 |
| Pretax return on assets | 1.7408% | 1,024 |
| Return on Equity (ROE) | 17.1351% | 498 |
| Retained earnings to average equity (ytd only) | 10.8169% | 937 |
| Net charge-offs to loans | 0.0550% | 1,556 |
| Credit loss provision to net charge-offs | -238.4615% | 3,834 |
| Earnings coverage of net charge-offs (x) | 45.8462% | 984 |
| Efficiency ratio | 63.2184% | 3,601 |
| Assets per employee ($millions) | 8.0793% | 610 |
| Cash dividends to net income (ytd only)* | 36.8732% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 4,104 |
| Loan loss allowance to noncurrent loans | 197.6834% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,528 |
| Noncurrent loans to loans | 0.4922% | 3,040 |
| Net loans and leases to total assets | 62.4150% | 3,499 |
| Net loans and leases to deposits | 69.5395% | 3,825 |
| Net loans and leases to core deposits | 73.0128% | 3,882 |
| Total domestic deposits to total assets | 89.7547% | 758 |
| Equity capital to assets | 8.4673% | 5,001 |
| Core capital (leverage) ratio | 8.9520% | 4,731 |
| Tier 1 risk-based capital ratio | 12.1191% | 4,484 |
| Total risk-based capital ratio | 12.9382% | 4,640 |
| Memoranda: | ||
| Average total assets | $767,249,000 | 988 |
| Average earning assets | $724,315,000 | 973 |
| Average equity | $63,308,500 | 1,265 |
| Average total loans | $472,515,500 | 1,116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,508 |
| Cost of funding earning assets | 0.1756% | 5,121 |
| Net interest margin | 3.4545% | 3,674 |
| Noninterest income to average assets | 0.9310% | 1,184 |
| Noninterest expense to average assets | 2.7747% | 2,867 |
| Loan and lease loss provision to assets | 0.0130% | 4,030 |
| Net operating income to assets | 0.9183% | 2,605 |
| Return on assets (ROA) | 0.9348% | 2,559 |
| Pretax return on assets | 1.4156% | 1,941 |
| Return on Equity (ROE) | 11.0444% | 1,464 |
| Retained earnings to average equity (ytd only) | 0.0861% | 4,971 |
| Net charge-offs to loans | -0.0073% | 4,716 |
| Credit loss provision to net charge-offs | -288.2353% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0123% | 3,260 |
| Assets per employee ($millions) | 8.0735% | 622 |
| Cash dividends to net income (ytd only)* | 99.2204% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,783 |
| Loan loss allowance to noncurrent loans | 245.2006% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,794 |
| Noncurrent loans to loans | 0.4176% | 3,275 |
| Net loans and leases to total assets | 59.5851% | 3,867 |
| Net loans and leases to deposits | 67.4095% | 4,063 |
| Net loans and leases to core deposits | 71.7055% | 4,073 |
| Total domestic deposits to total assets | 88.3927% | 1,302 |
| Equity capital to assets | 8.0442% | 5,378 |
| Core capital (leverage) ratio | 8.3897% | 5,228 |
| Tier 1 risk-based capital ratio | 11.7612% | 4,679 |
| Total risk-based capital ratio | 12.6207% | 4,814 |
| Memoranda: | ||
| Average total assets | $754,681,200 | 979 |
| Average earning assets | $709,396,400 | 967 |
| Average equity | $63,878,800 | 1,239 |
| Average total loans | $465,074,400 | 1,094 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 4,495 |
| Cost of funding earning assets | 0.1747% | 5,168 |
| Net interest margin | 3.4547% | 3,659 |
| Noninterest income to average assets | 0.9417% | 1,163 |
| Noninterest expense to average assets | 2.7691% | 2,827 |
| Loan and lease loss provision to assets | -0.0426% | 5,512 |
| Net operating income to assets | 1.1001% | 2,094 |
| Return on assets (ROA) | 1.1167% | 2,075 |
| Pretax return on assets | 1.4819% | 1,836 |
| Return on Equity (ROE) | 13.0232% | 1,054 |
| Retained earnings to average equity (ytd only) | 2.6229% | 4,319 |
| Net charge-offs to loans | -0.0106% | 4,652 |
| Credit loss provision to net charge-offs | 645.9459% | 507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7422% | 3,257 |
| Assets per employee ($millions) | 8.0135% | 625 |
| Cash dividends to net income (ytd only)* | 79.8595% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 4,225 |
| Loan loss allowance to noncurrent loans | 189.8606% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,346 |
| Noncurrent loans to loans | 0.5123% | 3,168 |
| Net loans and leases to total assets | 60.1065% | 3,850 |
| Net loans and leases to deposits | 66.1552% | 4,241 |
| Net loans and leases to core deposits | 71.9124% | 4,134 |
| Total domestic deposits to total assets | 90.8569% | 220 |
| Equity capital to assets | 8.4317% | 5,325 |
| Core capital (leverage) ratio | 8.5257% | 5,230 |
| Tier 1 risk-based capital ratio | 12.1670% | 4,512 |
| Total risk-based capital ratio | 12.9818% | 4,691 |
| Memoranda: | ||
| Average total assets | $747,569,750 | 993 |
| Average earning assets | $702,090,000 | 980 |
| Average equity | $64,099,500 | 1,242 |
| Average total loans | $463,479,250 | 1,103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 4,631 |
| Cost of funding earning assets | 0.1640% | 5,250 |
| Net interest margin | 3.3866% | 3,821 |
| Noninterest income to average assets | 0.9545% | 1,124 |
| Noninterest expense to average assets | 2.7962% | 2,777 |
| Loan and lease loss provision to assets | -0.0878% | 5,636 |
| Net operating income to assets | 1.0808% | 2,083 |
| Return on assets (ROA) | 1.0700% | 2,167 |
| Pretax return on assets | 1.4113% | 1,977 |
| Return on Equity (ROE) | 12.4084% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.7260% | 1,271 |
| Net charge-offs to loans | -0.0435% | 5,114 |
| Credit loss provision to net charge-offs | 322.7723% | 914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2288% | 3,147 |
| Assets per employee ($millions) | 7.5526% | 721 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,156 |
| Loan loss allowance to noncurrent loans | 133.3831% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 2,850 |
| Noncurrent loans to loans | 0.7489% | 2,525 |
| Net loans and leases to total assets | 59.8691% | 3,857 |
| Net loans and leases to deposits | 66.1838% | 4,212 |
| Net loans and leases to core deposits | 70.8828% | 4,174 |
| Total domestic deposits to total assets | 90.4587% | 371 |
| Equity capital to assets | 8.8355% | 5,043 |
| Core capital (leverage) ratio | 9.2267% | 4,460 |
| Tier 1 risk-based capital ratio | 12.6042% | 4,239 |
| Total risk-based capital ratio | 13.4314% | 4,387 |
| Memoranda: | ||
| Average total assets | $742,998,000 | 1,003 |
| Average earning assets | $697,569,000 | 989 |
| Average equity | $64,069,670 | 1,243 |
| Average total loans | $463,947,000 | 1,105 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,328 |
| Cost of funding earning assets | 0.1597% | 5,303 |
| Net interest margin | 3.4719% | 3,384 |
| Noninterest income to average assets | 0.9178% | 1,191 |
| Noninterest expense to average assets | 2.7409% | 2,989 |
| Loan and lease loss provision to assets | 0.0038% | 3,508 |
| Net operating income to assets | 1.0775% | 1,953 |
| Return on assets (ROA) | 1.0698% | 2,029 |
| Pretax return on assets | 1.4223% | 1,805 |
| Return on Equity (ROE) | 12.5602% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.4060% | 944 |
| Net charge-offs to loans | -0.0466% | 5,153 |
| Credit loss provision to net charge-offs | -12.7273% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2045% | 3,632 |
| Assets per employee ($millions) | 7.4667% | 767 |
| Cash dividends to net income (ytd only)* | 25.1130% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 4,230 |
| Loan loss allowance to noncurrent loans | 256.3578% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,575 |
| Noncurrent loans to loans | 0.3933% | 3,693 |
| Net loans and leases to total assets | 62.5561% | 3,459 |
| Net loans and leases to deposits | 72.7833% | 3,535 |
| Net loans and leases to core deposits | 75.7406% | 3,679 |
| Total domestic deposits to total assets | 85.9484% | 2,693 |
| Equity capital to assets | 8.5903% | 5,167 |
| Core capital (leverage) ratio | 9.1795% | 4,510 |
| Tier 1 risk-based capital ratio | 12.2760% | 4,523 |
| Total risk-based capital ratio | 13.1414% | 4,692 |
| Memoranda: | ||
| Average total assets | $744,421,000 | 1,001 |
| Average earning assets | $698,878,000 | 989 |
| Average equity | $63,406,500 | 1,254 |
| Average total loans | $472,124,000 | 1,088 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 4,419 |
| Cost of funding earning assets | 0.1992% | 5,017 |
| Net interest margin | 3.4369% | 3,679 |
| Noninterest income to average assets | 0.9096% | 1,380 |
| Noninterest expense to average assets | 2.8625% | 2,805 |
| Loan and lease loss provision to assets | -0.1681% | 5,756 |
| Net operating income to assets | 1.0592% | 2,094 |
| Return on assets (ROA) | 1.1477% | 1,795 |
| Pretax return on assets | 1.5656% | 1,378 |
| Return on Equity (ROE) | 13.4072% | 907 |
| Retained earnings to average equity (ytd only) | 5.1457% | 2,243 |
| Net charge-offs to loans | -0.0511% | 5,397 |
| Credit loss provision to net charge-offs | 522.1757% | 638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6945% | 3,132 |
| Assets per employee ($millions) | 7.4217% | 759 |
| Cash dividends to net income (ytd only)* | 61.6197% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 4,368 |
| Loan loss allowance to noncurrent loans | 193.0921% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,409 |
| Noncurrent loans to loans | 0.5148% | 3,305 |
| Net loans and leases to total assets | 63.0186% | 3,480 |
| Net loans and leases to deposits | 73.4904% | 3,566 |
| Net loans and leases to core deposits | 76.6203% | 3,693 |
| Total domestic deposits to total assets | 85.7508% | 2,699 |
| Equity capital to assets | 8.4444% | 5,313 |
| Core capital (leverage) ratio | 8.7967% | 4,971 |
| Tier 1 risk-based capital ratio | 11.0434% | 5,322 |
| Total risk-based capital ratio | 11.8298% | 5,465 |
| Memoranda: | ||
| Average total assets | $742,326,600 | 973 |
| Average earning assets | $697,459,800 | 954 |
| Average equity | $63,547,800 | 1,236 |
| Average total loans | $467,861,400 | 1,036 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,541 |
| Cost of funding earning assets | 0.2095% | 4,981 |
| Net interest margin | 3.3956% | 3,858 |
| Noninterest income to average assets | 0.9276% | 1,321 |
| Noninterest expense to average assets | 2.8084% | 2,972 |
| Loan and lease loss provision to assets | -0.1870% | 5,862 |
| Net operating income to assets | 1.0905% | 2,040 |
| Return on assets (ROA) | 1.1859% | 1,790 |
| Pretax return on assets | 1.6281% | 1,309 |
| Return on Equity (ROE) | 13.8062% | 863 |
| Retained earnings to average equity (ytd only) | 9.1017% | 794 |
| Net charge-offs to loans | -0.1034% | 5,582 |
| Credit loss provision to net charge-offs | 287.5691% | 1,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7059% | 3,279 |
| Assets per employee ($millions) | 7.4880% | 720 |
| Cash dividends to net income (ytd only)* | 34.0755% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,004 |
| Loan loss allowance to noncurrent loans | 158.5989% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 3,154 |
| Noncurrent loans to loans | 0.6762% | 2,998 |
| Net loans and leases to total assets | 61.9131% | 3,645 |
| Net loans and leases to deposits | 69.0811% | 4,054 |
| Net loans and leases to core deposits | 75.0412% | 3,916 |
| Total domestic deposits to total assets | 89.6238% | 615 |
| Equity capital to assets | 8.8540% | 5,280 |
| Core capital (leverage) ratio | 8.8722% | 4,977 |
| Tier 1 risk-based capital ratio | 11.3974% | 5,155 |
| Total risk-based capital ratio | 12.2573% | 5,278 |
| Memoranda: | ||
| Average total assets | $742,365,000 | 972 |
| Average earning assets | $697,668,750 | 957 |
| Average equity | $63,766,750 | 1,242 |
| Average total loans | $466,726,000 | 1,037 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 4,664 |
| Cost of funding earning assets | 0.2185% | 4,954 |
| Net interest margin | 3.3581% | 4,031 |
| Noninterest income to average assets | 0.8987% | 1,379 |
| Noninterest expense to average assets | 2.8000% | 3,029 |
| Loan and lease loss provision to assets | -0.2383% | 5,951 |
| Net operating income to assets | 1.0671% | 2,096 |
| Return on assets (ROA) | 1.1951% | 1,713 |
| Pretax return on assets | 1.6727% | 1,164 |
| Return on Equity (ROE) | 14.0585% | 819 |
| Retained earnings to average equity (ytd only) | 10.0854% | 577 |
| Net charge-offs to loans | -0.1395% | 5,724 |
| Credit loss provision to net charge-offs | 271.3846% | 1,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5705% | 3,233 |
| Assets per employee ($millions) | 7.2106% | 803 |
| Cash dividends to net income (ytd only)* | 28.2614% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,933 |
| Loan loss allowance to noncurrent loans | 143.7989% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 3,039 |
| Noncurrent loans to loans | 0.7668% | 2,826 |
| Net loans and leases to total assets | 62.1715% | 3,608 |
| Net loans and leases to deposits | 70.6484% | 3,924 |
| Net loans and leases to core deposits | 75.4987% | 3,867 |
| Total domestic deposits to total assets | 88.0013% | 1,436 |
| Equity capital to assets | 8.7826% | 5,418 |
| Core capital (leverage) ratio | 8.8677% | 4,981 |
| Tier 1 risk-based capital ratio | 10.2370% | 5,780 |
| Total risk-based capital ratio | 11.0429% | 5,862 |
| Memoranda: | ||
| Average total assets | $740,219,670 | 977 |
| Average earning assets | $695,562,330 | 956 |
| Average equity | $62,922,670 | 1,255 |
| Average total loans | $466,090,670 | 1,033 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,669 |
| Cost of funding earning assets | 0.2299% | 4,903 |
| Net interest margin | 3.3525% | 4,032 |
| Noninterest income to average assets | 0.7951% | 1,634 |
| Noninterest expense to average assets | 2.8049% | 3,046 |
| Loan and lease loss provision to assets | -0.0931% | 5,982 |
| Net operating income to assets | 0.8832% | 2,840 |
| Return on assets (ROA) | 1.0972% | 2,013 |
| Pretax return on assets | 1.5302% | 1,504 |
| Return on Equity (ROE) | 13.1261% | 1,010 |
| Retained earnings to average equity (ytd only) | 5.0316% | 2,922 |
| Net charge-offs to loans | -0.0189% | 4,821 |
| Credit loss provision to net charge-offs | 781.8182% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5955% | 3,028 |
| Assets per employee ($millions) | 6.9770% | 905 |
| Cash dividends to net income (ytd only)* | 61.6675% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 3,521 |
| Loan loss allowance to noncurrent loans | 117.7406% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 2,601 |
| Noncurrent loans to loans | 1.0134% | 2,355 |
| Net loans and leases to total assets | 64.0114% | 3,239 |
| Net loans and leases to deposits | 73.1054% | 3,541 |
| Net loans and leases to core deposits | 76.4450% | 3,641 |
| Total domestic deposits to total assets | 87.5604% | 1,887 |
| Equity capital to assets | 8.7377% | 5,393 |
| Core capital (leverage) ratio | 8.6074% | 5,285 |
| Tier 1 risk-based capital ratio | 10.1289% | 5,883 |
| Total risk-based capital ratio | 11.0232% | 5,931 |
| Memoranda: | ||
| Average total assets | $738,981,500 | 979 |
| Average earning assets | $694,280,500 | 956 |
| Average equity | $61,770,000 | 1,269 |
| Average total loans | $465,689,500 | 1,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 3,660 |
| Cost of funding earning assets | 0.2694% | 4,591 |
| Net interest margin | 3.6427% | 2,968 |
| Noninterest income to average assets | 0.7727% | 1,889 |
| Noninterest expense to average assets | 3.0550% | 2,363 |
| Loan and lease loss provision to assets | 0.1511% | 1,562 |
| Net operating income to assets | 0.7311% | 3,667 |
| Return on assets (ROA) | 0.8791% | 3,067 |
| Pretax return on assets | 1.1672% | 2,782 |
| Return on Equity (ROE) | 10.2317% | 1,912 |
| Retained earnings to average equity (ytd only) | -6.9796% | 5,976 |
| Net charge-offs to loans | 0.0245% | 3,759 |
| Credit loss provision to net charge-offs | 1,051.9608% | 319 |
| Earnings coverage of net charge-offs (x) | 78.0392% | 716 |
| Efficiency ratio | 72.5964% | 2,815 |
| Assets per employee ($millions) | 7.0966% | 857 |
| Cash dividends to net income (ytd only)* | 168.2153% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 3,328 |
| Loan loss allowance to noncurrent loans | 113.1047% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 2,466 |
| Noncurrent loans to loans | 1.0828% | 2,175 |
| Net loans and leases to total assets | 60.5945% | 3,750 |
| Net loans and leases to deposits | 72.9171% | 3,625 |
| Net loans and leases to core deposits | 74.9988% | 3,851 |
| Total domestic deposits to total assets | 83.1006% | 3,810 |
| Equity capital to assets | 8.0002% | 5,853 |
| Core capital (leverage) ratio | 8.1043% | 5,773 |
| Tier 1 risk-based capital ratio | 10.7234% | 5,657 |
| Total risk-based capital ratio | 11.7056% | 5,714 |
| Memoranda: | ||
| Average total assets | $710,076,600 | 980 |
| Average earning assets | $663,415,200 | 960 |
| Average equity | $61,006,600 | 1,243 |
| Average total loans | $416,519,400 | 1,098 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,082 |
| Cost of funding earning assets | 0.2921% | 4,426 |
| Net interest margin | 3.7725% | 2,485 |
| Noninterest income to average assets | 0.9092% | 1,427 |
| Noninterest expense to average assets | 3.1238% | 2,157 |
| Loan and lease loss provision to assets | 0.1926% | 1,051 |
| Net operating income to assets | 0.8090% | 3,388 |
| Return on assets (ROA) | 1.0831% | 2,170 |
| Pretax return on assets | 1.4880% | 1,715 |
| Return on Equity (ROE) | 12.3743% | 1,275 |
| Retained earnings to average equity (ytd only) | 4.7331% | 3,103 |
| Net charge-offs to loans | 0.0333% | 3,252 |
| Credit loss provision to net charge-offs | 998.0198% | 375 |
| Earnings coverage of net charge-offs (x) | 67.6254% | 832 |
| Efficiency ratio | 69.9888% | 3,218 |
| Assets per employee ($millions) | 6.9925% | 874 |
| Cash dividends to net income (ytd only)* | 61.7502% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,720 |
| Loan loss allowance to noncurrent loans | 116.8635% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 2,241 |
| Noncurrent loans to loans | 1.0172% | 2,442 |
| Net loans and leases to total assets | 60.9593% | 3,742 |
| Net loans and leases to deposits | 73.1456% | 3,633 |
| Net loans and leases to core deposits | 75.1789% | 3,885 |
| Total domestic deposits to total assets | 83.3397% | 3,684 |
| Equity capital to assets | 8.8566% | 5,433 |
| Core capital (leverage) ratio | 8.8221% | 5,215 |
| Tier 1 risk-based capital ratio | 11.3488% | 5,463 |
| Total risk-based capital ratio | 12.2860% | 5,540 |
| Memoranda: | ||
| Average total assets | $697,762,500 | 1,001 |
| Average earning assets | $651,002,500 | 985 |
| Average equity | $61,071,250 | 1,242 |
| Average total loans | $404,194,500 | 1,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,440 |
| Cost of funding earning assets | 0.3277% | 4,075 |
| Net interest margin | 3.8999% | 1,979 |
| Noninterest income to average assets | 0.9256% | 1,369 |
| Noninterest expense to average assets | 3.2649% | 1,804 |
| Loan and lease loss provision to assets | 0.1846% | 1,099 |
| Net operating income to assets | 0.7887% | 3,444 |
| Return on assets (ROA) | 1.1250% | 1,944 |
| Pretax return on assets | 1.5802% | 1,389 |
| Return on Equity (ROE) | 12.9119% | 1,134 |
| Retained earnings to average equity (ytd only) | 0.9911% | 5,174 |
| Net charge-offs to loans | 0.0273% | 3,127 |
| Credit loss provision to net charge-offs | 1,196.1538% | 303 |
| Earnings coverage of net charge-offs (x) | 83.6731% | 682 |
| Efficiency ratio | 71.1066% | 3,141 |
| Assets per employee ($millions) | 6.7600% | 945 |
| Cash dividends to net income (ytd only)* | 92.3239% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 4,007 |
| Loan loss allowance to noncurrent loans | 103.3515% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 2,242 |
| Noncurrent loans to loans | 1.1262% | 2,396 |
| Net loans and leases to total assets | 57.4363% | 4,170 |
| Net loans and leases to deposits | 69.7902% | 3,959 |
| Net loans and leases to core deposits | 72.9139% | 4,049 |
| Total domestic deposits to total assets | 82.2986% | 4,191 |
| Equity capital to assets | 8.4435% | 5,726 |
| Core capital (leverage) ratio | 8.4100% | 5,625 |
| Tier 1 risk-based capital ratio | 11.3666% | 5,537 |
| Total risk-based capital ratio | 12.2732% | 5,621 |
| Memoranda: | ||
| Average total assets | $673,960,000 | 1,035 |
| Average earning assets | $627,402,670 | 1,022 |
| Average equity | $58,721,000 | 1,297 |
| Average total loans | $380,752,000 | 1,212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 1,384 |
| Cost of funding earning assets | 0.3841% | 3,477 |
| Net interest margin | 4.1443% | 1,172 |
| Noninterest income to average assets | 1.1098% | 921 |
| Noninterest expense to average assets | 3.5097% | 1,283 |
| Loan and lease loss provision to assets | 0.1997% | 930 |
| Net operating income to assets | 0.8822% | 2,835 |
| Return on assets (ROA) | 1.6042% | 738 |
| Pretax return on assets | 2.3243% | 312 |
| Return on Equity (ROE) | 18.0588% | 382 |
| Retained earnings to average equity (ytd only) | 18.0588% | 142 |
| Net charge-offs to loans | -0.0151% | 4,918 |
| Credit loss provision to net charge-offs | -2,376.9231% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8289% | 3,523 |
| Assets per employee ($millions) | 6.4171% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,264 |
| Loan loss allowance to noncurrent loans | 91.9440% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 1,986 |
| Noncurrent loans to loans | 1.2496% | 2,288 |
| Net loans and leases to total assets | 57.9392% | 3,950 |
| Net loans and leases to deposits | 69.5027% | 3,801 |
| Net loans and leases to core deposits | 71.5631% | 4,006 |
| Total domestic deposits to total assets | 83.3625% | 4,061 |
| Equity capital to assets | 9.2452% | 5,033 |
| Core capital (leverage) ratio | 9.1466% | 4,794 |
| Tier 1 risk-based capital ratio | 12.1198% | 5,167 |
| Total risk-based capital ratio | 13.0184% | 5,296 |
| Memoranda: | ||
| Average total assets | $618,859,000 | 1,122 |
| Average earning assets | $579,019,000 | 1,095 |
| Average equity | $54,976,000 | 1,382 |
| Average total loans | $343,279,000 | 1,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 5,162 |
| Cost of funding earning assets | 0.2782% | 5,020 |
| Net interest margin | 3.2931% | 4,597 |
| Noninterest income to average assets | 0.6475% | 2,565 |
| Noninterest expense to average assets | 2.8925% | 3,175 |
| Loan and lease loss provision to assets | 0.4055% | 436 |
| Net operating income to assets | 0.3792% | 5,293 |
| Return on assets (ROA) | 0.5004% | 4,895 |
| Pretax return on assets | 0.5457% | 5,112 |
| Return on Equity (ROE) | 6.4886% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.1557% | 2,493 |
| Net charge-offs to loans | 0.8398% | 404 |
| Credit loss provision to net charge-offs | 103.5171% | 2,313 |
| Earnings coverage of net charge-offs (x) | 2.0919% | 4,249 |
| Efficiency ratio | 77.1174% | 2,340 |
| Assets per employee ($millions) | 6.4923% | 1,052 |
| Cash dividends to net income (ytd only)* | 20.5423% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,427 |
| Loan loss allowance to noncurrent loans | 65.4609% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 1,517 |
| Noncurrent loans to loans | 1.9850% | 1,402 |
| Net loans and leases to total assets | 49.9656% | 4,983 |
| Net loans and leases to deposits | 66.3369% | 4,287 |
| Net loans and leases to core deposits | 68.7539% | 4,428 |
| Total domestic deposits to total assets | 75.3209% | 5,819 |
| Equity capital to assets | 8.3256% | 5,881 |
| Core capital (leverage) ratio | 8.0163% | 5,995 |
| Tier 1 risk-based capital ratio | 12.2341% | 5,203 |
| Total risk-based capital ratio | 13.2246% | 5,280 |
| Memoranda: | ||
| Average total assets | $486,364,400 | 1,367 |
| Average earning assets | $452,582,400 | 1,355 |
| Average equity | $37,512,000 | 1,874 |
| Average total loans | $226,838,200 | 1,848 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 5,240 |
| Cost of funding earning assets | 0.2859% | 5,033 |
| Net interest margin | 3.2740% | 4,701 |
| Noninterest income to average assets | 0.6140% | 2,782 |
| Noninterest expense to average assets | 2.7997% | 3,458 |
| Loan and lease loss provision to assets | 0.4448% | 354 |
| Net operating income to assets | 0.3905% | 5,283 |
| Return on assets (ROA) | 0.4752% | 5,053 |
| Pretax return on assets | 0.5013% | 5,323 |
| Return on Equity (ROE) | 6.2865% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.9262% | 3,131 |
| Net charge-offs to loans | 0.5503% | 692 |
| Credit loss provision to net charge-offs | 177.0742% | 1,409 |
| Earnings coverage of net charge-offs (x) | 3.4116% | 3,662 |
| Efficiency ratio | 75.7855% | 2,529 |
| Assets per employee ($millions) | 6.9245% | 831 |
| Cash dividends to net income (ytd only)* | 21.6389% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 2,295 |
| Loan loss allowance to noncurrent loans | 58.8361% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.0168% | 1,414 |
| Noncurrent loans to loans | 2.7239% | 1,040 |
| Net loans and leases to total assets | 46.6658% | 5,322 |
| Net loans and leases to deposits | 58.6960% | 5,049 |
| Net loans and leases to core deposits | 60.7504% | 5,137 |
| Total domestic deposits to total assets | 79.5043% | 5,220 |
| Equity capital to assets | 7.8187% | 6,206 |
| Core capital (leverage) ratio | 7.2956% | 6,334 |
| Tier 1 risk-based capital ratio | 12.9779% | 4,877 |
| Total risk-based capital ratio | 14.2282% | 4,796 |
| Memoranda: | ||
| Average total assets | $486,225,750 | 1,383 |
| Average earning assets | $451,875,000 | 1,371 |
| Average equity | $36,755,250 | 1,921 |
| Average total loans | $221,924,000 | 1,899 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 5,451 |
| Cost of funding earning assets | 0.2882% | 5,095 |
| Net interest margin | 3.1915% | 4,975 |
| Noninterest income to average assets | 0.5440% | 3,175 |
| Noninterest expense to average assets | 2.7924% | 3,536 |
| Loan and lease loss provision to assets | 0.4043% | 414 |
| Net operating income to assets | 0.3368% | 5,445 |
| Return on assets (ROA) | 0.3835% | 5,355 |
| Pretax return on assets | 0.3572% | 5,663 |
| Return on Equity (ROE) | 5.1350% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.7396% | 3,811 |
| Net charge-offs to loans | 0.7139% | 536 |
| Credit loss provision to net charge-offs | 125.8106% | 1,652 |
| Earnings coverage of net charge-offs (x) | 2.2244% | 3,601 |
| Efficiency ratio | 78.9161% | 2,179 |
| Assets per employee ($millions) | 6.6599% | 938 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,203 |
| Loan loss allowance to noncurrent loans | 53.6778% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 1,581 |
| Noncurrent loans to loans | 2.6594% | 1,142 |
| Net loans and leases to total assets | 45.4982% | 5,415 |
| Net loans and leases to deposits | 58.7393% | 4,978 |
| Net loans and leases to core deposits | 60.9871% | 5,053 |
| Total domestic deposits to total assets | 77.4579% | 5,726 |
| Equity capital to assets | 7.7548% | 6,271 |
| Core capital (leverage) ratio | 7.4556% | 6,326 |
| Tier 1 risk-based capital ratio | 13.1588% | 4,813 |
| Total risk-based capital ratio | 14.3063% | 4,804 |
| Memoranda: | ||
| Average total assets | $479,803,670 | 1,396 |
| Average earning assets | $445,489,000 | 1,386 |
| Average equity | $35,832,670 | 1,955 |
| Average total loans | $215,987,330 | 1,929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 6,007 |
| Cost of funding earning assets | 0.2873% | 5,198 |
| Net interest margin | 2.9095% | 5,732 |
| Noninterest income to average assets | 0.5649% | 2,952 |
| Noninterest expense to average assets | 2.6256% | 4,195 |
| Loan and lease loss provision to assets | 0.2897% | 681 |
| Net operating income to assets | 0.3567% | 5,288 |
| Return on assets (ROA) | 0.4517% | 4,996 |
| Pretax return on assets | 0.4543% | 5,299 |
| Return on Equity (ROE) | 6.1776% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.7123% | 3,286 |
| Net charge-offs to loans | 1.2338% | 271 |
| Credit loss provision to net charge-offs | 52.8951% | 2,176 |
| Earnings coverage of net charge-offs (x) | 1.1831% | 3,157 |
| Efficiency ratio | 79.8115% | 2,238 |
| Assets per employee ($millions) | 6.6236% | 958 |
| Cash dividends to net income (ytd only)* | 23.7192% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 4,401 |
| Loan loss allowance to noncurrent loans | 54.3728% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 1,602 |
| Noncurrent loans to loans | 2.2923% | 1,560 |
| Net loans and leases to total assets | 45.8277% | 5,345 |
| Net loans and leases to deposits | 55.6489% | 5,140 |
| Net loans and leases to core deposits | 57.7114% | 5,223 |
| Total domestic deposits to total assets | 82.3514% | 4,834 |
| Equity capital to assets | 7.7238% | 6,224 |
| Core capital (leverage) ratio | 8.6608% | 5,443 |
| Tier 1 risk-based capital ratio | 13.5830% | 4,615 |
| Total risk-based capital ratio | 14.6041% | 4,728 |
| Memoranda: | ||
| Average total assets | $466,630,500 | 1,441 |
| Average earning assets | $434,436,500 | 1,425 |
| Average equity | $34,123,500 | 2,026 |
| Average total loans | $207,169,000 | 1,996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 6,352 |
| Cost of funding earning assets | 0.3564% | 5,078 |
| Net interest margin | 2.6349% | 6,221 |
| Noninterest income to average assets | 0.6455% | 2,831 |
| Noninterest expense to average assets | 2.5876% | 4,509 |
| Loan and lease loss provision to assets | 0.1450% | 2,486 |
| Net operating income to assets | 0.3389% | 5,383 |
| Return on assets (ROA) | 0.4592% | 5,040 |
| Pretax return on assets | 0.4577% | 5,334 |
| Return on Equity (ROE) | 6.8688% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.8688% | 1,493 |
| Net charge-offs to loans | 0.4350% | 1,527 |
| Credit loss provision to net charge-offs | 84.4444% | 2,913 |
| Earnings coverage of net charge-offs (x) | 2.8092% | 4,067 |
| Efficiency ratio | 84.2875% | 1,596 |
| Assets per employee ($millions) | 7.5104% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 2,500 |
| Loan loss allowance to noncurrent loans | 93.8647% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.5633% | 2,379 |
| Noncurrent loans to loans | 1.7792% | 2,260 |
| Net loans and leases to total assets | 41.4699% | 5,854 |
| Net loans and leases to deposits | 52.0496% | 5,620 |
| Net loans and leases to core deposits | 57.6559% | 5,417 |
| Total domestic deposits to total assets | 79.6739% | 5,515 |
| Equity capital to assets | 6.8581% | 6,495 |
| Core capital (leverage) ratio | 7.4199% | 6,405 |
| Tier 1 risk-based capital ratio | 13.5348% | 4,631 |
| Total risk-based capital ratio | 14.7852% | 4,575 |
| Memoranda: | ||
| Average total assets | $445,515,600 | 1,488 |
| Average earning assets | $409,925,400 | 1,481 |
| Average equity | $29,787,000 | 2,266 |
| Average total loans | $175,867,400 | 2,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9149% | 6,482 |
| Cost of funding earning assets | 0.3682% | 5,114 |
| Net interest margin | 2.5467% | 6,385 |
| Noninterest income to average assets | 0.6103% | 3,074 |
| Noninterest expense to average assets | 2.4746% | 4,797 |
| Loan and lease loss provision to assets | 0.1369% | 2,575 |
| Net operating income to assets | 0.3215% | 5,535 |
| Return on assets (ROA) | 0.4821% | 5,038 |
| Pretax return on assets | 0.4961% | 5,366 |
| Return on Equity (ROE) | 7.2566% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.2566% | 1,768 |
| Net charge-offs to loans | 0.5283% | 1,216 |
| Credit loss provision to net charge-offs | 66.7638% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.2799% | 4,084 |
| Efficiency ratio | 84.1121% | 1,580 |
| Assets per employee ($millions) | 7.6722% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,740 |
| Loan loss allowance to noncurrent loans | 73.1068% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8560% | 2,191 |
| Noncurrent loans to loans | 2.2805% | 1,923 |
| Net loans and leases to total assets | 38.5911% | 6,133 |
| Net loans and leases to deposits | 47.7832% | 5,977 |
| Net loans and leases to core deposits | 54.2255% | 5,749 |
| Total domestic deposits to total assets | 80.7629% | 5,283 |
| Equity capital to assets | 6.6145% | 6,627 |
| Core capital (leverage) ratio | 7.0109% | 6,586 |
| Tier 1 risk-based capital ratio | 13.2247% | 4,968 |
| Total risk-based capital ratio | 14.4432% | 4,930 |
| Memoranda: | ||
| Average total assets | $446,116,000 | 1,493 |
| Average earning assets | $408,461,000 | 1,492 |
| Average equity | $29,636,500 | 2,293 |
| Average total loans | $173,114,250 | 2,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8938% | 6,538 |
| Cost of funding earning assets | 0.3811% | 5,124 |
| Net interest margin | 2.5127% | 6,438 |
| Noninterest income to average assets | 0.4672% | 4,041 |
| Noninterest expense to average assets | 2.4315% | 4,958 |
| Loan and lease loss provision to assets | 0.0689% | 3,665 |
| Net operating income to assets | 0.2602% | 5,746 |
| Return on assets (ROA) | 0.4830% | 5,046 |
| Pretax return on assets | 0.4971% | 5,390 |
| Return on Equity (ROE) | 7.2602% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.2602% | 1,767 |
| Net charge-offs to loans | 0.5487% | 1,201 |
| Credit loss provision to net charge-offs | 32.4786% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.5855% | 3,998 |
| Efficiency ratio | 87.8520% | 1,235 |
| Assets per employee ($millions) | 7.5153% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 2,884 |
| Loan loss allowance to noncurrent loans | 105.5977% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 2,686 |
| Noncurrent loans to loans | 1.5850% | 2,931 |
| Net loans and leases to total assets | 38.0952% | 6,173 |
| Net loans and leases to deposits | 51.3921% | 5,741 |
| Net loans and leases to core deposits | 55.8637% | 5,609 |
| Total domestic deposits to total assets | 74.1266% | 6,435 |
| Equity capital to assets | 6.7226% | 6,650 |
| Core capital (leverage) ratio | 7.2180% | 6,557 |
| Tier 1 risk-based capital ratio | 13.4651% | 4,794 |
| Total risk-based capital ratio | 14.6963% | 4,768 |
| Memoranda: | ||
| Average total assets | $441,376,670 | 1,507 |
| Average earning assets | $404,106,670 | 1,505 |
| Average equity | $29,365,670 | 2,312 |
| Average total loans | $170,599,000 | 2,306 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 6,641 |
| Cost of funding earning assets | 0.4142% | 4,975 |
| Net interest margin | 2.4503% | 6,556 |
| Noninterest income to average assets | 0.6560% | 2,845 |
| Noninterest expense to average assets | 2.3563% | 5,253 |
| Loan and lease loss provision to assets | -0.0495% | 6,792 |
| Net operating income to assets | 0.4868% | 4,744 |
| Return on assets (ROA) | 0.7577% | 3,529 |
| Pretax return on assets | 0.9381% | 3,621 |
| Return on Equity (ROE) | 11.4495% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.4495% | 790 |
| Net charge-offs to loans | 0.0285% | 3,627 |
| Credit loss provision to net charge-offs | -450.0000% | 5,448 |
| Earnings coverage of net charge-offs (x) | 50.4167% | 675 |
| Efficiency ratio | 80.9569% | 2,188 |
| Assets per employee ($millions) | 7.1585% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,351 |
| Loan loss allowance to noncurrent loans | 101.7960% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 2,283 |
| Noncurrent loans to loans | 1.8518% | 2,796 |
| Net loans and leases to total assets | 39.1157% | 6,076 |
| Net loans and leases to deposits | 46.9083% | 5,998 |
| Net loans and leases to core deposits | 51.1673% | 5,881 |
| Total domestic deposits to total assets | 83.3876% | 4,717 |
| Equity capital to assets | 6.9631% | 6,719 |
| Core capital (leverage) ratio | 6.5034% | 6,749 |
| Tier 1 risk-based capital ratio | 12.2094% | 5,784 |
| Total risk-based capital ratio | 13.4612% | 5,744 |
| Memoranda: | ||
| Average total assets | $436,607,500 | 1,542 |
| Average earning assets | $401,748,000 | 1,521 |
| Average equity | $28,892,000 | 2,391 |
| Average total loans | $168,548,000 | 2,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 6,385 |
| Cost of funding earning assets | 0.5589% | 4,735 |
| Net interest margin | 2.9138% | 6,199 |
| Noninterest income to average assets | 0.7287% | 2,592 |
| Noninterest expense to average assets | 2.6613% | 4,532 |
| Loan and lease loss provision to assets | 0.4821% | 1,269 |
| Net operating income to assets | 0.2249% | 5,718 |
| Return on assets (ROA) | 0.6229% | 4,389 |
| Pretax return on assets | 0.7324% | 4,550 |
| Return on Equity (ROE) | 8.5626% | 2,843 |
| Retained earnings to average equity (ytd only) | 7.4796% | 1,347 |
| Net charge-offs to loans | 0.9019% | 1,262 |
| Credit loss provision to net charge-offs | 128.2123% | 2,197 |
| Earnings coverage of net charge-offs (x) | 1.9846% | 4,424 |
| Efficiency ratio | 78.0997% | 2,433 |
| Assets per employee ($millions) | 7.6417% | 588 |
| Cash dividends to net income (ytd only)* | 12.6476% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 2,231 |
| Loan loss allowance to noncurrent loans | 93.3180% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.0299% | 2,416 |
| Noncurrent loans to loans | 2.0579% | 2,629 |
| Net loans and leases to total assets | 36.7021% | 6,391 |
| Net loans and leases to deposits | 48.1028% | 6,104 |
| Net loans and leases to core deposits | 56.1520% | 5,705 |
| Total domestic deposits to total assets | 76.2992% | 6,322 |
| Equity capital to assets | 6.2935% | 6,864 |
| Core capital (leverage) ratio | 6.5322% | 6,786 |
| Tier 1 risk-based capital ratio | 11.7801% | 5,918 |
| Total risk-based capital ratio | 13.0319% | 5,886 |
| Memoranda: | ||
| Average total assets | $380,827,200 | 1,709 |
| Average earning assets | $350,129,800 | 1,706 |
| Average equity | $27,702,000 | 2,425 |
| Average total loans | $158,778,000 | 2,451 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 6,340 |
| Cost of funding earning assets | 0.6086% | 4,558 |
| Net interest margin | 3.0276% | 6,112 |
| Noninterest income to average assets | 0.5743% | 3,447 |
| Noninterest expense to average assets | 2.6514% | 4,556 |
| Loan and lease loss provision to assets | 0.5281% | 1,129 |
| Net operating income to assets | 0.1443% | 6,042 |
| Return on assets (ROA) | 0.6936% | 4,192 |
| Pretax return on assets | 0.8514% | 4,299 |
| Return on Equity (ROE) | 9.1522% | 2,729 |
| Retained earnings to average equity (ytd only) | 7.6995% | 1,755 |
| Net charge-offs to loans | 0.9844% | 1,076 |
| Credit loss provision to net charge-offs | 124.6967% | 2,320 |
| Earnings coverage of net charge-offs (x) | 1.6560% | 4,449 |
| Efficiency ratio | 79.0827% | 2,229 |
| Assets per employee ($millions) | 7.0674% | 720 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,167 |
| Loan loss allowance to noncurrent loans | 66.6311% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2759% | 2,343 |
| Noncurrent loans to loans | 3.0003% | 1,864 |
| Net loans and leases to total assets | 36.0809% | 6,543 |
| Net loans and leases to deposits | 45.5491% | 6,418 |
| Net loans and leases to core deposits | 49.2322% | 6,327 |
| Total domestic deposits to total assets | 79.2132% | 5,826 |
| Equity capital to assets | 6.8318% | 6,907 |
| Core capital (leverage) ratio | 6.3605% | 6,908 |
| Tier 1 risk-based capital ratio | 12.0806% | 5,897 |
| Total risk-based capital ratio | 13.3328% | 5,876 |
| Memoranda: | ||
| Average total assets | $363,318,250 | 1,818 |
| Average earning assets | $333,409,250 | 1,799 |
| Average equity | $27,533,750 | 2,454 |
| Average total loans | $156,293,500 | 2,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 6,044 |
| Cost of funding earning assets | 0.6404% | 4,526 |
| Net interest margin | 3.2038% | 5,731 |
| Noninterest income to average assets | 0.6558% | 2,923 |
| Noninterest expense to average assets | 2.7154% | 4,348 |
| Loan and lease loss provision to assets | 0.4454% | 1,449 |
| Net operating income to assets | 0.3399% | 5,467 |
| Return on assets (ROA) | 0.7479% | 3,894 |
| Pretax return on assets | 0.9485% | 3,893 |
| Return on Equity (ROE) | 9.4844% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.0059% | 1,639 |
| Net charge-offs to loans | 0.6217% | 1,768 |
| Credit loss provision to net charge-offs | 157.2016% | 1,768 |
| Earnings coverage of net charge-offs (x) | 3.0967% | 3,503 |
| Efficiency ratio | 75.5801% | 2,812 |
| Assets per employee ($millions) | 6.0109% | 1,220 |
| Cash dividends to net income (ytd only)* | 15.5885% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 2,312 |
| Loan loss allowance to noncurrent loans | 59.6323% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.6197% | 2,114 |
| Noncurrent loans to loans | 3.3038% | 1,767 |
| Net loans and leases to total assets | 42.9625% | 6,113 |
| Net loans and leases to deposits | 50.7820% | 6,129 |
| Net loans and leases to core deposits | 55.5746% | 5,975 |
| Total domestic deposits to total assets | 84.6019% | 4,051 |
| Equity capital to assets | 7.6425% | 6,740 |
| Core capital (leverage) ratio | 7.5127% | 6,623 |
| Tier 1 risk-based capital ratio | 12.5542% | 5,530 |
| Total risk-based capital ratio | 13.8074% | 5,510 |
| Memoranda: | ||
| Average total assets | $343,076,330 | 1,901 |
| Average earning assets | $314,505,330 | 1,900 |
| Average equity | $27,055,000 | 2,480 |
| Average total loans | $156,351,330 | 2,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 5,811 |
| Cost of funding earning assets | 0.6637% | 4,597 |
| Net interest margin | 3.3210% | 5,401 |
| Noninterest income to average assets | 0.5480% | 3,578 |
| Noninterest expense to average assets | 2.6337% | 4,688 |
| Loan and lease loss provision to assets | 0.5552% | 1,053 |
| Net operating income to assets | 0.3737% | 5,372 |
| Return on assets (ROA) | 0.4415% | 5,262 |
| Pretax return on assets | 0.4882% | 5,468 |
| Return on Equity (ROE) | 5.5073% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.0148% | 4,177 |
| Net charge-offs to loans | 0.2418% | 2,724 |
| Credit loss provision to net charge-offs | 493.6170% | 660 |
| Earnings coverage of net charge-offs (x) | 8.6064% | 1,939 |
| Efficiency ratio | 73.1229% | 3,237 |
| Assets per employee ($millions) | 5.8175% | 1,416 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 2,146 |
| Loan loss allowance to noncurrent loans | 58.7395% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.7299% | 2,161 |
| Noncurrent loans to loans | 3.5434% | 1,754 |
| Net loans and leases to total assets | 43.9437% | 6,019 |
| Net loans and leases to deposits | 52.6400% | 5,931 |
| Net loans and leases to core deposits | 58.0429% | 5,712 |
| Total domestic deposits to total assets | 83.4797% | 4,721 |
| Equity capital to assets | 7.9162% | 6,576 |
| Core capital (leverage) ratio | 7.7896% | 6,420 |
| Tier 1 risk-based capital ratio | 12.9212% | 5,267 |
| Total risk-based capital ratio | 14.1761% | 5,241 |
| Memoranda: | ||
| Average total assets | $334,287,500 | 1,954 |
| Average earning assets | $307,375,500 | 1,942 |
| Average equity | $26,801,000 | 2,492 |
| Average total loans | $155,497,000 | 2,549 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 5,081 |
| Cost of funding earning assets | 0.8960% | 4,148 |
| Net interest margin | 3.6022% | 4,722 |
| Noninterest income to average assets | 0.4583% | 4,158 |
| Noninterest expense to average assets | 2.1908% | 6,290 |
| Loan and lease loss provision to assets | 1.6747% | 409 |
| Net operating income to assets | -0.0909% | 6,156 |
| Return on assets (ROA) | 0.3860% | 5,089 |
| Pretax return on assets | 0.4146% | 5,243 |
| Return on Equity (ROE) | 4.7267% | 4,516 |
| Retained earnings to average equity (ytd only) | 3.7436% | 3,553 |
| Net charge-offs to loans | 3.7070% | 188 |
| Credit loss provision to net charge-offs | 88.3449% | 4,083 |
| Earnings coverage of net charge-offs (x) | 0.8316% | 5,175 |
| Efficiency ratio | 58.1536% | 6,034 |
| Assets per employee ($millions) | 5.6094% | 1,524 |
| Cash dividends to net income (ytd only)* | 20.7987% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,847 |
| Loan loss allowance to noncurrent loans | 42.1522% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.1407% | 1,902 |
| Noncurrent loans to loans | 4.2865% | 1,425 |
| Net loans and leases to total assets | 47.3725% | 5,889 |
| Net loans and leases to deposits | 58.2255% | 5,678 |
| Net loans and leases to core deposits | 61.8734% | 5,668 |
| Total domestic deposits to total assets | 81.3603% | 5,343 |
| Equity capital to assets | 8.1240% | 6,497 |
| Core capital (leverage) ratio | 7.7805% | 6,457 |
| Tier 1 risk-based capital ratio | 12.5684% | 5,393 |
| Total risk-based capital ratio | 13.8205% | 5,383 |
| Memoranda: | ||
| Average total assets | $311,392,800 | 2,060 |
| Average earning assets | $286,049,800 | 2,053 |
| Average equity | $25,430,200 | 2,534 |
| Average total loans | $159,238,400 | 2,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 4,900 |
| Cost of funding earning assets | 0.9398% | 4,113 |
| Net interest margin | 3.6513% | 4,556 |
| Noninterest income to average assets | 0.4222% | 4,496 |
| Noninterest expense to average assets | 2.2275% | 6,217 |
| Loan and lease loss provision to assets | 2.0278% | 263 |
| Net operating income to assets | -0.3884% | 6,572 |
| Return on assets (ROA) | 0.1745% | 5,887 |
| Pretax return on assets | 0.0827% | 6,127 |
| Return on Equity (ROE) | 2.1339% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.8101% | 5,687 |
| Net charge-offs to loans | 2.8675% | 340 |
| Credit loss provision to net charge-offs | 136.2525% | 2,345 |
| Earnings coverage of net charge-offs (x) | 1.0399% | 4,851 |
| Efficiency ratio | 59.0044% | 5,865 |
| Assets per employee ($millions) | 5.5604% | 1,536 |
| Cash dividends to net income (ytd only)* | 62.0357% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0409% | 835 |
| Loan loss allowance to noncurrent loans | 80.9023% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.8551% | 2,270 |
| Noncurrent loans to loans | 3.7587% | 1,808 |
| Net loans and leases to total assets | 47.9866% | 5,957 |
| Net loans and leases to deposits | 56.6593% | 5,963 |
| Net loans and leases to core deposits | 61.4862% | 5,859 |
| Total domestic deposits to total assets | 84.6932% | 3,919 |
| Equity capital to assets | 8.2775% | 6,506 |
| Core capital (leverage) ratio | 7.6669% | 6,659 |
| Tier 1 risk-based capital ratio | 12.4778% | 5,505 |
| Total risk-based capital ratio | 13.7428% | 5,489 |
| Memoranda: | ||
| Average total assets | $307,905,250 | 2,087 |
| Average earning assets | $282,740,500 | 2,082 |
| Average equity | $25,180,000 | 2,555 |
| Average total loans | $159,808,250 | 2,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 4,465 |
| Cost of funding earning assets | 0.9760% | 4,116 |
| Net interest margin | 3.7405% | 4,079 |
| Noninterest income to average assets | 0.2302% | 6,009 |
| Noninterest expense to average assets | 2.2966% | 6,144 |
| Loan and lease loss provision to assets | 1.4517% | 494 |
| Net operating income to assets | -0.0660% | 6,311 |
| Return on assets (ROA) | 0.4861% | 4,706 |
| Pretax return on assets | 0.5864% | 4,782 |
| Return on Equity (ROE) | 5.9690% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.9552% | 3,679 |
| Net charge-offs to loans | 3.7751% | 228 |
| Credit loss provision to net charge-offs | 72.9160% | 3,985 |
| Earnings coverage of net charge-offs (x) | 0.6896% | 4,777 |
| Efficiency ratio | 62.5849% | 5,482 |
| Assets per employee ($millions) | 5.8655% | 1,257 |
| Cash dividends to net income (ytd only)* | 33.7382% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,292 |
| Loan loss allowance to noncurrent loans | 45.3204% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.7598% | 2,425 |
| Noncurrent loans to loans | 3.7715% | 1,854 |
| Net loans and leases to total assets | 48.1648% | 6,032 |
| Net loans and leases to deposits | 57.2190% | 6,029 |
| Net loans and leases to core deposits | 61.4410% | 5,950 |
| Total domestic deposits to total assets | 84.1761% | 4,272 |
| Equity capital to assets | 7.9284% | 6,729 |
| Core capital (leverage) ratio | 8.0256% | 6,267 |
| Tier 1 risk-based capital ratio | 12.4527% | 5,391 |
| Total risk-based capital ratio | 13.7044% | 5,368 |
| Memoranda: | ||
| Average total assets | $304,892,000 | 2,114 |
| Average earning assets | $280,337,000 | 2,103 |
| Average equity | $24,828,330 | 2,580 |
| Average total loans | $160,790,670 | 2,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 3,571 |
| Cost of funding earning assets | 1.0449% | 3,889 |
| Net interest margin | 3.8592% | 3,342 |
| Noninterest income to average assets | 0.4229% | 4,512 |
| Noninterest expense to average assets | 2.9753% | 3,747 |
| Loan and lease loss provision to assets | 2.0862% | 263 |
| Net operating income to assets | -0.5727% | 6,852 |
| Return on assets (ROA) | -0.2865% | 6,662 |
| Pretax return on assets | -0.6432% | 6,841 |
| Return on Equity (ROE) | -3.4677% | 6,707 |
| Retained earnings to average equity (ytd only) | -7.5734% | 6,719 |
| Net charge-offs to loans | 3.3920% | 297 |
| Credit loss provision to net charge-offs | 112.2909% | 2,386 |
| Earnings coverage of net charge-offs (x) | 0.5360% | 4,218 |
| Efficiency ratio | 74.9234% | 3,341 |
| Assets per employee ($millions) | 5.3939% | 1,669 |
| Cash dividends to net income (ytd only)* | -118.3962% | 7,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,776 |
| Loan loss allowance to noncurrent loans | 32.2758% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 4.3290% | 1,514 |
| Noncurrent loans to loans | 7.0996% | 764 |
| Net loans and leases to total assets | 52.1325% | 5,564 |
| Net loans and leases to deposits | 64.1063% | 5,240 |
| Net loans and leases to core deposits | 65.2217% | 5,602 |
| Total domestic deposits to total assets | 81.3221% | 5,563 |
| Equity capital to assets | 7.9343% | 6,561 |
| Core capital (leverage) ratio | 7.8201% | 6,444 |
| Tier 1 risk-based capital ratio | 12.1164% | 5,587 |
| Total risk-based capital ratio | 13.3746% | 5,573 |
| Memoranda: | ||
| Average total assets | $296,037,500 | 2,183 |
| Average earning assets | $272,182,500 | 2,185 |
| Average equity | $24,454,000 | 2,602 |
| Average total loans | $162,145,000 | 2,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 3,240 |
| Cost of funding earning assets | 1.2868% | 3,969 |
| Net interest margin | 3.9875% | 3,072 |
| Noninterest income to average assets | 0.5361% | 3,913 |
| Noninterest expense to average assets | 2.8881% | 4,285 |
| Loan and lease loss provision to assets | 1.0104% | 1,608 |
| Net operating income to assets | 0.2813% | 4,996 |
| Return on assets (ROA) | 0.3384% | 4,955 |
| Pretax return on assets | 0.3722% | 5,023 |
| Return on Equity (ROE) | 3.9627% | 4,547 |
| Retained earnings to average equity (ytd only) | 3.9627% | 3,093 |
| Net charge-offs to loans | 1.1096% | 2,004 |
| Credit loss provision to net charge-offs | 162.8127% | 2,129 |
| Earnings coverage of net charge-offs (x) | 2.1267% | 4,128 |
| Efficiency ratio | 68.6342% | 4,434 |
| Assets per employee ($millions) | 5.1789% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 1,949 |
| Loan loss allowance to noncurrent loans | 46.3014% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 3.2819% | 2,150 |
| Noncurrent loans to loans | 4.6657% | 1,497 |
| Net loans and leases to total assets | 55.0321% | 5,482 |
| Net loans and leases to deposits | 66.1745% | 5,378 |
| Net loans and leases to core deposits | 67.3809% | 5,733 |
| Total domestic deposits to total assets | 83.1621% | 4,726 |
| Equity capital to assets | 8.6002% | 5,726 |
| Core capital (leverage) ratio | 8.1208% | 5,972 |
| Tier 1 risk-based capital ratio | 12.4888% | 5,032 |
| Total risk-based capital ratio | 13.7459% | 5,011 |
| Memoranda: | ||
| Average total assets | $289,882,800 | 2,215 |
| Average earning assets | $266,932,600 | 2,206 |
| Average equity | $24,756,000 | 2,577 |
| Average total loans | $162,125,000 | 2,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 3,649 |
| Cost of funding earning assets | 1.3765% | 3,732 |
| Net interest margin | 3.8607% | 3,706 |
| Noninterest income to average assets | 0.3813% | 5,106 |
| Noninterest expense to average assets | 2.8897% | 4,132 |
| Loan and lease loss provision to assets | 0.7139% | 2,137 |
| Net operating income to assets | 0.2910% | 5,204 |
| Return on assets (ROA) | 0.3639% | 5,093 |
| Pretax return on assets | 0.4158% | 5,175 |
| Return on Equity (ROE) | 4.2682% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.2682% | 3,488 |
| Net charge-offs to loans | 0.6894% | 2,701 |
| Credit loss provision to net charge-offs | 185.4241% | 1,947 |
| Earnings coverage of net charge-offs (x) | 2.7168% | 3,789 |
| Efficiency ratio | 73.4222% | 3,431 |
| Assets per employee ($millions) | 5.4049% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,631 |
| Loan loss allowance to noncurrent loans | 40.5769% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 3.4228% | 2,073 |
| Noncurrent loans to loans | 4.5564% | 1,578 |
| Net loans and leases to total assets | 55.5215% | 5,621 |
| Net loans and leases to deposits | 68.0010% | 5,421 |
| Net loans and leases to core deposits | 69.5589% | 5,792 |
| Total domestic deposits to total assets | 81.6481% | 5,145 |
| Equity capital to assets | 8.6806% | 6,050 |
| Core capital (leverage) ratio | 8.1274% | 6,153 |
| Tier 1 risk-based capital ratio | 12.0777% | 5,381 |
| Total risk-based capital ratio | 13.3317% | 5,352 |
| Memoranda: | ||
| Average total assets | $289,849,000 | 2,245 |
| Average earning assets | $266,850,750 | 2,241 |
| Average equity | $24,709,500 | 2,622 |
| Average total loans | $161,874,500 | 2,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 4,056 |
| Cost of funding earning assets | 1.4940% | 3,289 |
| Net interest margin | 3.6839% | 4,436 |
| Noninterest income to average assets | 0.6208% | 3,189 |
| Noninterest expense to average assets | 2.8604% | 4,228 |
| Loan and lease loss provision to assets | 0.3863% | 3,403 |
| Net operating income to assets | 0.5565% | 4,050 |
| Return on assets (ROA) | 0.6472% | 3,792 |
| Pretax return on assets | 0.8964% | 3,507 |
| Return on Equity (ROE) | 7.6404% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.6404% | 1,581 |
| Net charge-offs to loans | 0.2478% | 4,108 |
| Credit loss provision to net charge-offs | 280.3030% | 1,321 |
| Earnings coverage of net charge-offs (x) | 8.3939% | 2,141 |
| Efficiency ratio | 71.2058% | 3,954 |
| Assets per employee ($millions) | 5.4754% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 2,996 |
| Loan loss allowance to noncurrent loans | 35.6255% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 3.7132% | 1,883 |
| Noncurrent loans to loans | 4.8299% | 1,461 |
| Net loans and leases to total assets | 53.1432% | 6,095 |
| Net loans and leases to deposits | 64.6715% | 5,957 |
| Net loans and leases to core deposits | 66.7342% | 6,185 |
| Total domestic deposits to total assets | 82.1741% | 4,921 |
| Equity capital to assets | 8.6552% | 5,938 |
| Core capital (leverage) ratio | 8.3223% | 5,717 |
| Tier 1 risk-based capital ratio | 12.6805% | 4,706 |
| Total risk-based capital ratio | 13.9333% | 4,680 |
| Memoranda: | ||
| Average total assets | $287,374,670 | 2,280 |
| Average earning assets | $264,933,330 | 2,267 |
| Average equity | $24,344,330 | 2,659 |
| Average total loans | $159,779,670 | 2,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 3,510 |
| Cost of funding earning assets | 1.5986% | 2,970 |
| Net interest margin | 3.7092% | 4,198 |
| Noninterest income to average assets | 0.7909% | 2,070 |
| Noninterest expense to average assets | 2.9206% | 3,981 |
| Loan and lease loss provision to assets | 0.0212% | 6,436 |
| Net operating income to assets | 0.8785% | 2,637 |
| Return on assets (ROA) | 0.9039% | 2,597 |
| Pretax return on assets | 1.3036% | 2,037 |
| Return on Equity (ROE) | 10.7921% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.7921% | 962 |
| Net charge-offs to loans | -0.0376% | 7,261 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3960% | 4,428 |
| Assets per employee ($millions) | 4.8827% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,730 |
| Loan loss allowance to noncurrent loans | 43.7466% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.1300% | 2,284 |
| Noncurrent loans to loans | 3.5068% | 2,271 |
| Net loans and leases to total assets | 54.9381% | 5,900 |
| Net loans and leases to deposits | 66.6478% | 5,750 |
| Net loans and leases to core deposits | 68.4039% | 6,065 |
| Total domestic deposits to total assets | 82.4305% | 4,881 |
| Equity capital to assets | 8.4832% | 6,024 |
| Core capital (leverage) ratio | 8.5571% | 5,283 |
| Tier 1 risk-based capital ratio | 13.0620% | 4,292 |
| Total risk-based capital ratio | 14.3205% | 4,253 |
| Memoranda: | ||
| Average total assets | $283,226,500 | 2,363 |
| Average earning assets | $260,974,000 | 2,343 |
| Average equity | $23,721,000 | 2,749 |
| Average total loans | $159,729,500 | 2,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5920% | 3,650 |
| Cost of funding earning assets | 2.1250% | 2,345 |
| Net interest margin | 3.4670% | 5,094 |
| Noninterest income to average assets | 1.0156% | 1,516 |
| Noninterest expense to average assets | 2.8528% | 4,733 |
| Loan and lease loss provision to assets | 1.6265% | 1,407 |
| Net operating income to assets | -0.2108% | 5,851 |
| Return on assets (ROA) | 0.1518% | 5,112 |
| Pretax return on assets | 0.1116% | 5,196 |
| Return on Equity (ROE) | 1.9217% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.9217% | 3,751 |
| Net charge-offs to loans | 2.5991% | 873 |
| Credit loss provision to net charge-offs | 102.4131% | 5,396 |
| Earnings coverage of net charge-offs (x) | 0.8661% | 5,244 |
| Efficiency ratio | 67.4693% | 5,103 |
| Assets per employee ($millions) | 5.0582% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,812 |
| Loan loss allowance to noncurrent loans | 29.5533% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 2.8914% | 2,425 |
| Noncurrent loans to loans | 5.0194% | 1,349 |
| Net loans and leases to total assets | 56.1530% | 5,929 |
| Net loans and leases to deposits | 68.4241% | 5,779 |
| Net loans and leases to core deposits | 78.3097% | 6,238 |
| Total domestic deposits to total assets | 82.0662% | 4,918 |
| Equity capital to assets | 8.2674% | 6,249 |
| Core capital (leverage) ratio | 8.3232% | 5,569 |
| Tier 1 risk-based capital ratio | 12.5421% | 4,487 |
| Total risk-based capital ratio | 13.8011% | 4,422 |
| Memoranda: | ||
| Average total assets | $266,156,000 | 2,462 |
| Average earning assets | $246,637,000 | 2,437 |
| Average equity | $21,022,800 | 3,069 |
| Average total loans | $162,631,600 | 2,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5221% | 4,310 |
| Cost of funding earning assets | 2.2585% | 2,157 |
| Net interest margin | 3.2635% | 5,782 |
| Noninterest income to average assets | 1.0457% | 1,456 |
| Noninterest expense to average assets | 2.9631% | 4,194 |
| Loan and lease loss provision to assets | 1.3512% | 1,431 |
| Net operating income to assets | -0.2237% | 6,103 |
| Return on assets (ROA) | 0.2332% | 5,128 |
| Pretax return on assets | 0.2515% | 5,184 |
| Return on Equity (ROE) | 2.9899% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.9899% | 3,656 |
| Net charge-offs to loans | 2.0221% | 968 |
| Credit loss provision to net charge-offs | 107.4059% | 4,734 |
| Earnings coverage of net charge-offs (x) | 0.8834% | 5,178 |
| Efficiency ratio | 72.7227% | 4,099 |
| Assets per employee ($millions) | 4.9578% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,281 |
| Loan loss allowance to noncurrent loans | 26.0746% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 3.4189% | 1,954 |
| Noncurrent loans to loans | 5.8676% | 1,025 |
| Net loans and leases to total assets | 57.3756% | 5,981 |
| Net loans and leases to deposits | 70.2391% | 5,884 |
| Net loans and leases to core deposits | 82.2122% | 6,167 |
| Total domestic deposits to total assets | 81.6862% | 4,810 |
| Equity capital to assets | 8.6411% | 6,051 |
| Core capital (leverage) ratio | 8.4909% | 5,515 |
| Tier 1 risk-based capital ratio | 12.4456% | 4,591 |
| Total risk-based capital ratio | 13.7017% | 4,535 |
| Memoranda: | ||
| Average total assets | $261,880,500 | 2,511 |
| Average earning assets | $243,042,250 | 2,487 |
| Average equity | $20,424,000 | 3,178 |
| Average total loans | $162,926,250 | 2,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 4,911 |
| Cost of funding earning assets | 2.4441% | 1,802 |
| Net interest margin | 3.0027% | 6,545 |
| Noninterest income to average assets | 1.1456% | 1,192 |
| Noninterest expense to average assets | 3.0589% | 3,850 |
| Loan and lease loss provision to assets | 1.5018% | 1,141 |
| Net operating income to assets | -0.6063% | 6,666 |
| Return on assets (ROA) | 0.1372% | 5,554 |
| Pretax return on assets | 0.1099% | 5,654 |
| Return on Equity (ROE) | 1.8300% | 5,363 |
| Retained earnings to average equity (ytd only) | 1.8300% | 4,323 |
| Net charge-offs to loans | 2.3869% | 745 |
| Credit loss provision to net charge-offs | 98.8712% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.5716% | 5,139 |
| Efficiency ratio | 77.8924% | 3,366 |
| Assets per employee ($millions) | 4.5823% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 3,682 |
| Loan loss allowance to noncurrent loans | 26.8448% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 3.1278% | 2,008 |
| Noncurrent loans to loans | 5.2447% | 1,136 |
| Net loans and leases to total assets | 58.7970% | 5,860 |
| Net loans and leases to deposits | 72.2227% | 5,707 |
| Net loans and leases to core deposits | 85.5829% | 5,952 |
| Total domestic deposits to total assets | 81.4107% | 4,923 |
| Equity capital to assets | 8.4889% | 6,061 |
| Core capital (leverage) ratio | 8.8567% | 4,851 |
| Tier 1 risk-based capital ratio | 11.8393% | 5,063 |
| Total risk-based capital ratio | 13.0246% | 5,043 |
| Memoranda: | ||
| Average total assets | $256,628,330 | 2,568 |
| Average earning assets | $237,718,000 | 2,543 |
| Average equity | $19,235,000 | 3,363 |
| Average total loans | $163,311,330 | 2,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 5,149 |
| Cost of funding earning assets | 2.6558% | 1,390 |
| Net interest margin | 2.7996% | 6,993 |
| Noninterest income to average assets | 1.2043% | 992 |
| Noninterest expense to average assets | 3.0973% | 3,388 |
| Loan and lease loss provision to assets | 0.3139% | 3,459 |
| Net operating income to assets | 0.2562% | 5,460 |
| Return on assets (ROA) | 0.8024% | 3,277 |
| Pretax return on assets | 1.1963% | 2,640 |
| Return on Equity (ROE) | 11.5322% | 1,800 |
| Retained earnings to average equity (ytd only) | 11.5322% | 875 |
| Net charge-offs to loans | 0.6644% | 1,853 |
| Credit loss provision to net charge-offs | 71.7949% | 4,321 |
| Earnings coverage of net charge-offs (x) | 1.5897% | 3,932 |
| Efficiency ratio | 81.6723% | 2,584 |
| Assets per employee ($millions) | 4.2486% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,691 |
| Loan loss allowance to noncurrent loans | 36.0280% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7789% | 2,039 |
| Noncurrent loans to loans | 3.7988% | 1,621 |
| Net loans and leases to total assets | 62.6180% | 5,221 |
| Net loans and leases to deposits | 76.3109% | 5,175 |
| Net loans and leases to core deposits | 93.0280% | 5,256 |
| Total domestic deposits to total assets | 82.0565% | 4,527 |
| Equity capital to assets | 7.0144% | 7,673 |
| Core capital (leverage) ratio | 7.1799% | 7,502 |
| Tier 1 risk-based capital ratio | 9.7764% | 7,169 |
| Total risk-based capital ratio | 11.0085% | 7,103 |
| Memoranda: | ||
| Average total assets | $249,765,500 | 2,647 |
| Average earning assets | $230,893,000 | 2,635 |
| Average equity | $17,377,500 | 3,658 |
| Average total loans | $164,352,000 | 2,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1948% | 4,544 |
| Cost of funding earning assets | 3.0865% | 1,547 |
| Net interest margin | 3.1083% | 6,628 |
| Noninterest income to average assets | 1.0103% | 1,548 |
| Noninterest expense to average assets | 2.7494% | 5,050 |
| Loan and lease loss provision to assets | 0.5198% | 2,737 |
| Net operating income to assets | 0.4247% | 5,054 |
| Return on assets (ROA) | 0.4253% | 4,873 |
| Pretax return on assets | 0.5967% | 4,704 |
| Return on Equity (ROE) | 6.2092% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.2092% | 1,429 |
| Net charge-offs to loans | 0.5289% | 2,247 |
| Credit loss provision to net charge-offs | 148.8623% | 3,543 |
| Earnings coverage of net charge-offs (x) | 3.1952% | 4,489 |
| Efficiency ratio | 71.1349% | 4,101 |
| Assets per employee ($millions) | 4.3681% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 3,343 |
| Loan loss allowance to noncurrent loans | 35.7622% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6200% | 1,829 |
| Noncurrent loans to loans | 3.8408% | 1,294 |
| Net loans and leases to total assets | 67.2787% | 4,591 |
| Net loans and leases to deposits | 83.2080% | 4,546 |
| Net loans and leases to core deposits | 100.7333% | 4,751 |
| Total domestic deposits to total assets | 80.8560% | 4,712 |
| Equity capital to assets | 6.8982% | 7,778 |
| Core capital (leverage) ratio | 7.0055% | 7,695 |
| Tier 1 risk-based capital ratio | 9.6697% | 7,118 |
| Total risk-based capital ratio | 10.9208% | 7,012 |
| Memoranda: | ||
| Average total assets | $239,142,800 | 2,663 |
| Average earning assets | $219,637,200 | 2,667 |
| Average equity | $16,378,800 | 3,850 |
| Average total loans | $157,863,600 | 2,803 |