Home > Pan American Bank & Trust > Performance and Condition Ratios
Pan American Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 1,089 |
| Cost of funding earning assets | 1.6519% | 1,564 |
| Net interest margin | 3.9110% | 1,352 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5719% | 2,094 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.0574% | 2,050 |
| Return on assets (ROA) | 1.0528% | 2,026 |
| Pretax return on assets | 1.0528% | 2,527 |
| Return on Equity (ROE) | 13.6600% | 1,568 |
| Retained earnings to average equity (ytd only) | 13.6632% | 433 |
| Net charge-offs to loans | 0.2688% | 397 |
| Credit loss provision to net charge-offs | 118.6246% | 1,687 |
| Earnings coverage of net charge-offs (x) | 6.1022% | 2,495 |
| Efficiency ratio | 65.8105% | 2,379 |
| Assets per employee ($millions) | 8.3304% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 447 |
| Loan loss allowance to noncurrent loans | 155.8299% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 508 |
| Noncurrent loans to loans | 1.2266% | 579 |
| Net loans and leases to total assets | 78.4200% | 822 |
| Net loans and leases to deposits | 88.0839% | 1,423 |
| Net loans and leases to core deposits | 94.3922% | 1,748 |
| Total domestic deposits to total assets | 89.0300% | 1,057 |
| Equity capital to assets | 8.0890% | 3,359 |
| Core capital (leverage) ratio | 8.7385% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1439% | 2,537 |
| Memoranda: | ||
| Average total assets | $478,171,200 | 1,776 |
| Average earning assets | $455,896,400 | 1,743 |
| Average equity | $36,843,400 | 1,989 |
| Average total loans | $389,532,600 | 1,504 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 1,032 |
| Cost of funding earning assets | 1.5237% | 1,547 |
| Net interest margin | 3.9590% | 1,281 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.6574% | 1,778 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.0782% | 2,120 |
| Return on assets (ROA) | 1.0782% | 2,111 |
| Pretax return on assets | 1.0782% | 2,632 |
| Return on Equity (ROE) | 14.1800% | 1,608 |
| Retained earnings to average equity (ytd only) | 14.1766% | 654 |
| Net charge-offs to loans | 0.2751% | 313 |
| Credit loss provision to net charge-offs | 100.2494% | 1,615 |
| Earnings coverage of net charge-offs (x) | 5.7905% | 2,334 |
| Efficiency ratio | 67.0825% | 2,132 |
| Assets per employee ($millions) | 8.5585% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 517 |
| Loan loss allowance to noncurrent loans | 230.4156% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 877 |
| Noncurrent loans to loans | 0.8050% | 1,032 |
| Net loans and leases to total assets | 79.3800% | 722 |
| Net loans and leases to deposits | 88.7284% | 1,323 |
| Net loans and leases to core deposits | 96.5644% | 1,525 |
| Total domestic deposits to total assets | 89.4600% | 1,086 |
| Equity capital to assets | 7.5542% | 3,323 |
| Core capital (leverage) ratio | 8.6690% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0503% | 2,594 |
| Memoranda: | ||
| Average total assets | $474,840,000 | 1,785 |
| Average earning assets | $452,393,750 | 1,752 |
| Average equity | $36,115,000 | 2,003 |
| Average total loans | $388,678,000 | 1,501 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 942 |
| Cost of funding earning assets | 1.3788% | 1,509 |
| Net interest margin | 4.0317% | 1,191 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7132% | 1,611 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.0640% | 2,224 |
| Return on assets (ROA) | 1.0640% | 2,220 |
| Pretax return on assets | 1.0640% | 2,739 |
| Return on Equity (ROE) | 13.9600% | 1,690 |
| Retained earnings to average equity (ytd only) | 13.9562% | 687 |
| Net charge-offs to loans | 0.0362% | 1,178 |
| Credit loss provision to net charge-offs | 895.7143% | 446 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 1,341 |
| Efficiency ratio | 67.0977% | 2,099 |
| Assets per employee ($millions) | 7.9229% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 435 |
| Loan loss allowance to noncurrent loans | 1,722.9759% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,861 |
| Noncurrent loans to loans | 0.1145% | 2,906 |
| Net loans and leases to total assets | 82.3100% | 397 |
| Net loans and leases to deposits | 90.1329% | 1,173 |
| Net loans and leases to core deposits | 95.4014% | 1,501 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 7.7166% | 3,393 |
| Core capital (leverage) ratio | 8.4246% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6662% | 2,719 |
| Memoranda: | ||
| Average total assets | $470,507,667 | 1,796 |
| Average earning assets | $448,352,333 | 1,762 |
| Average equity | $35,869,333 | 2,025 |
| Average total loans | $386,723,000 | 1,491 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 799 |
| Cost of funding earning assets | 1.2641% | 1,314 |
| Net interest margin | 4.0657% | 1,147 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.6868% | 1,710 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2135% | 1,898 |
| Return on assets (ROA) | 1.2135% | 1,858 |
| Pretax return on assets | 1.2135% | 2,396 |
| Return on Equity (ROE) | 16.0200% | 1,350 |
| Retained earnings to average equity (ytd only) | 16.0169% | 688 |
| Net charge-offs to loans | 0.0652% | 744 |
| Credit loss provision to net charge-offs | 285.4839% | 707 |
| Earnings coverage of net charge-offs (x) | 25.7581% | 1,360 |
| Efficiency ratio | 66.3151% | 2,176 |
| Assets per employee ($millions) | 8.4903% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 513 |
| Loan loss allowance to noncurrent loans | 2,731.9853% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,664 |
| Noncurrent loans to loans | 0.0701% | 3,230 |
| Net loans and leases to total assets | 80.0700% | 535 |
| Net loans and leases to deposits | 87.3387% | 1,264 |
| Net loans and leases to core deposits | 92.6359% | 1,469 |
| Total domestic deposits to total assets | 91.6800% | 595 |
| Equity capital to assets | 7.4879% | 3,570 |
| Core capital (leverage) ratio | 8.6632% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5475% | 2,841 |
| Memoranda: | ||
| Average total assets | $468,074,000 | 1,826 |
| Average earning assets | $446,168,000 | 1,784 |
| Average equity | $35,462,500 | 2,066 |
| Average total loans | $380,496,000 | 1,522 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 1,247 |
| Cost of funding earning assets | 0.4283% | 1,876 |
| Net interest margin | 3.7720% | 1,218 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.5973% | 1,831 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0458% | 2,395 |
| Return on assets (ROA) | 1.0458% | 2,336 |
| Pretax return on assets | 1.0458% | 2,926 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 7.6590% | 1,969 |
| Net charge-offs to loans | -0.0286% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6579% | 1,880 |
| Assets per employee ($millions) | 8.2266% | 1,222 |
| Cash dividends to net income (ytd only)* | 41.9265% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,376 |
| Loan loss allowance to noncurrent loans | 150.7446% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 551 |
| Noncurrent loans to loans | 0.9545% | 781 |
| Net loans and leases to total assets | 79.7700% | 623 |
| Net loans and leases to deposits | 87.2923% | 1,223 |
| Net loans and leases to core deposits | 93.3434% | 1,328 |
| Total domestic deposits to total assets | 91.3900% | 812 |
| Equity capital to assets | 7.6674% | 3,276 |
| Core capital (leverage) ratio | 8.8602% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4353% | 2,879 |
| Memoranda: | ||
| Average total assets | $444,737,800 | 1,866 |
| Average earning assets | $421,712,600 | 1,842 |
| Average equity | $35,265,800 | 2,098 |
| Average total loans | $342,511,600 | 1,569 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 1,205 |
| Cost of funding earning assets | 0.2967% | 2,207 |
| Net interest margin | 3.7327% | 1,066 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.5737% | 1,781 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.0149% | 2,427 |
| Return on assets (ROA) | 1.0149% | 2,397 |
| Pretax return on assets | 1.0149% | 2,975 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.8814% | 2,794 |
| Net charge-offs to loans | -0.0426% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.4638% | 1,959 |
| Assets per employee ($millions) | 8.4143% | 1,115 |
| Cash dividends to net income (ytd only)* | 53.6513% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,429 |
| Loan loss allowance to noncurrent loans | 149.3397% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 567 |
| Noncurrent loans to loans | 0.9763% | 800 |
| Net loans and leases to total assets | 80.5500% | 488 |
| Net loans and leases to deposits | 88.1017% | 1,028 |
| Net loans and leases to core deposits | 93.0336% | 1,142 |
| Total domestic deposits to total assets | 91.4300% | 1,072 |
| Equity capital to assets | 7.5372% | 3,197 |
| Core capital (leverage) ratio | 8.6882% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6482% | 2,912 |
| Memoranda: | ||
| Average total assets | $440,750,000 | 1,893 |
| Average earning assets | $417,490,750 | 1,863 |
| Average equity | $35,251,500 | 2,132 |
| Average total loans | $334,922,000 | 1,589 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 1,204 |
| Cost of funding earning assets | 0.2665% | 2,065 |
| Net interest margin | 3.5846% | 1,092 |
| Noninterest income to average assets | 0.2515% | 3,663 |
| Noninterest expense to average assets | 2.4715% | 2,024 |
| Loan and lease loss provision to assets | 0.1777% | 497 |
| Net operating income to assets | 1.0027% | 2,147 |
| Return on assets (ROA) | 1.0027% | 2,120 |
| Pretax return on assets | 1.0027% | 2,722 |
| Return on Equity (ROE) | 12.2969% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.4752% | 2,897 |
| Net charge-offs to loans | -0.0806% | 4,386 |
| Credit loss provision to net charge-offs | -297.7099% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6771% | 2,284 |
| Assets per employee ($millions) | 8.1121% | 1,244 |
| Cash dividends to net income (ytd only)* | 63.6075% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,286 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.0124% | 407 |
| Net loans and leases to deposits | 87.6655% | 862 |
| Net loans and leases to core deposits | 93.7100% | 929 |
| Total domestic deposits to total assets | 91.2701% | 1,120 |
| Equity capital to assets | 7.7659% | 3,297 |
| Core capital (leverage) ratio | 8.5452% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7504% | 2,871 |
| Memoranda: | ||
| Average total assets | $439,013,333 | 1,906 |
| Average earning assets | $416,444,333 | 1,895 |
| Average equity | $35,797,667 | 2,169 |
| Average total loans | $325,044,333 | 1,613 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 1,438 |
| Cost of funding earning assets | 0.2642% | 1,989 |
| Net interest margin | 3.3603% | 1,406 |
| Noninterest income to average assets | 0.2002% | 3,961 |
| Noninterest expense to average assets | 2.3190% | 2,427 |
| Loan and lease loss provision to assets | 0.1966% | 369 |
| Net operating income to assets | 0.8801% | 2,365 |
| Return on assets (ROA) | 0.8801% | 2,365 |
| Pretax return on assets | 0.8801% | 2,855 |
| Return on Equity (ROE) | 10.5432% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.5432% | 892 |
| Net charge-offs to loans | -0.1705% | 4,571 |
| Credit loss provision to net charge-offs | -163.6364% | 2,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2927% | 2,466 |
| Assets per employee ($millions) | 8.5610% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,387 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.9203% | 747 |
| Net loans and leases to deposits | 79.7642% | 1,164 |
| Net loans and leases to core deposits | 85.9892% | 1,128 |
| Total domestic deposits to total assets | 91.4198% | 849 |
| Equity capital to assets | 8.1065% | 3,489 |
| Core capital (leverage) ratio | 8.7713% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4343% | 2,792 |
| Memoranda: | ||
| Average total assets | $439,492,000 | 1,911 |
| Average earning assets | $417,939,500 | 1,895 |
| Average equity | $36,687,000 | 2,189 |
| Average total loans | $309,734,000 | 1,664 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 1,525 |
| Cost of funding earning assets | 0.4968% | 949 |
| Net interest margin | 3.4381% | 1,911 |
| Noninterest income to average assets | 0.6490% | 1,946 |
| Noninterest expense to average assets | 2.6341% | 1,793 |
| Loan and lease loss provision to assets | 0.2545% | 361 |
| Net operating income to assets | 0.9968% | 2,684 |
| Return on assets (ROA) | 0.9968% | 2,751 |
| Pretax return on assets | 0.9968% | 3,267 |
| Return on Equity (ROE) | 11.2588% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.0275% | 1,531 |
| Net charge-offs to loans | 0.0616% | 1,164 |
| Credit loss provision to net charge-offs | 562.0879% | 756 |
| Earnings coverage of net charge-offs (x) | 27.6374% | 1,673 |
| Efficiency ratio | 67.7956% | 2,016 |
| Assets per employee ($millions) | 9.0377% | 909 |
| Cash dividends to net income (ytd only)* | 28.6998% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,664.8746% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 3,002 |
| Noncurrent loans to loans | 0.0963% | 3,446 |
| Net loans and leases to total assets | 65.7449% | 1,500 |
| Net loans and leases to deposits | 72.2761% | 1,885 |
| Net loans and leases to core deposits | 78.8238% | 1,694 |
| Total domestic deposits to total assets | 90.9636% | 504 |
| Equity capital to assets | 8.5950% | 3,994 |
| Core capital (leverage) ratio | 8.4697% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1406% | 2,188 |
| Memoranda: | ||
| Average total assets | $401,995,000 | 1,982 |
| Average earning assets | $378,406,600 | 1,974 |
| Average equity | $35,590,000 | 2,261 |
| Average total loans | $295,396,800 | 1,723 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 1,506 |
| Cost of funding earning assets | 0.5555% | 807 |
| Net interest margin | 3.4574% | 1,986 |
| Noninterest income to average assets | 0.7657% | 1,635 |
| Noninterest expense to average assets | 2.7299% | 1,513 |
| Loan and lease loss provision to assets | 0.1066% | 1,134 |
| Net operating income to assets | 1.1704% | 2,275 |
| Return on assets (ROA) | 1.1704% | 2,334 |
| Pretax return on assets | 1.1704% | 3,017 |
| Return on Equity (ROE) | 13.1146% | 1,663 |
| Retained earnings to average equity (ytd only) | 9.7023% | 1,410 |
| Net charge-offs to loans | 0.0225% | 1,597 |
| Credit loss provision to net charge-offs | 630.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 75.4800% | 1,015 |
| Efficiency ratio | 68.1304% | 1,809 |
| Assets per employee ($millions) | 9.1452% | 849 |
| Cash dividends to net income (ytd only)* | 26.0191% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,613 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.0093% | 873 |
| Net loans and leases to deposits | 80.3640% | 1,253 |
| Net loans and leases to core deposits | 88.8209% | 1,109 |
| Total domestic deposits to total assets | 89.6039% | 965 |
| Equity capital to assets | 8.8008% | 3,999 |
| Core capital (leverage) ratio | 8.9253% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3783% | 2,589 |
| Memoranda: | ||
| Average total assets | $394,041,250 | 2,029 |
| Average earning assets | $369,397,500 | 2,028 |
| Average equity | $35,166,000 | 2,311 |
| Average total loans | $296,782,750 | 1,752 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 1,587 |
| Cost of funding earning assets | 0.6050% | 729 |
| Net interest margin | 3.3846% | 2,187 |
| Noninterest income to average assets | 0.1355% | 4,521 |
| Noninterest expense to average assets | 2.7017% | 1,591 |
| Loan and lease loss provision to assets | 0.0779% | 1,544 |
| Net operating income to assets | 0.5224% | 4,172 |
| Return on assets (ROA) | 0.5224% | 4,218 |
| Pretax return on assets | 0.5224% | 4,350 |
| Return on Equity (ROE) | 5.8239% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.0610% | 4,096 |
| Net charge-offs to loans | 0.0327% | 1,325 |
| Credit loss provision to net charge-offs | 312.5000% | 866 |
| Earnings coverage of net charge-offs (x) | 24.0833% | 1,446 |
| Efficiency ratio | 81.8210% | 683 |
| Assets per employee ($millions) | 8.6125% | 976 |
| Cash dividends to net income (ytd only)* | 64.6123% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 2,727 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.3272% | 923 |
| Net loans and leases to deposits | 80.5285% | 1,380 |
| Net loans and leases to core deposits | 91.2964% | 1,049 |
| Total domestic deposits to total assets | 89.8156% | 865 |
| Equity capital to assets | 8.6201% | 4,114 |
| Core capital (leverage) ratio | 8.7945% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2304% | 2,636 |
| Memoranda: | ||
| Average total assets | $385,162,000 | 2,056 |
| Average earning assets | $360,334,667 | 2,053 |
| Average equity | $34,547,000 | 2,334 |
| Average total loans | $293,378,000 | 1,770 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 1,401 |
| Cost of funding earning assets | 0.6659% | 631 |
| Net interest margin | 3.4285% | 2,027 |
| Noninterest income to average assets | 0.1034% | 4,670 |
| Noninterest expense to average assets | 2.7207% | 1,570 |
| Loan and lease loss provision to assets | 0.1599% | 794 |
| Net operating income to assets | 0.4327% | 4,306 |
| Return on assets (ROA) | 0.4327% | 4,336 |
| Pretax return on assets | 0.4327% | 4,445 |
| Return on Equity (ROE) | 4.7245% | 4,147 |
| Retained earnings to average equity (ytd only) | -1.0939% | 4,471 |
| Net charge-offs to loans | 0.0178% | 1,390 |
| Credit loss provision to net charge-offs | 1,153.8462% | 379 |
| Earnings coverage of net charge-offs (x) | 42.7692% | 964 |
| Efficiency ratio | 82.1164% | 698 |
| Assets per employee ($millions) | 8.4823% | 993 |
| Cash dividends to net income (ytd only)* | 123.1527% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,105 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.6625% | 753 |
| Net loans and leases to deposits | 83.3994% | 1,206 |
| Net loans and leases to core deposits | 95.9814% | 883 |
| Total domestic deposits to total assets | 89.5241% | 1,059 |
| Equity capital to assets | 8.9811% | 3,706 |
| Core capital (leverage) ratio | 9.0567% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3293% | 2,554 |
| Memoranda: | ||
| Average total assets | $375,349,500 | 2,079 |
| Average earning assets | $351,404,500 | 2,072 |
| Average equity | $34,374,000 | 2,337 |
| Average total loans | $291,728,000 | 1,781 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,078 |
| Cost of funding earning assets | 1.1618% | 325 |
| Net interest margin | 3.4500% | 2,627 |
| Noninterest income to average assets | 0.0694% | 4,823 |
| Noninterest expense to average assets | 2.9000% | 1,684 |
| Loan and lease loss provision to assets | 0.3839% | 839 |
| Net operating income to assets | 0.0003% | 4,733 |
| Return on assets (ROA) | 0.1928% | 4,641 |
| Pretax return on assets | 0.1928% | 4,658 |
| Return on Equity (ROE) | 2.1024% | 4,549 |
| Retained earnings to average equity (ytd only) | -1.6989% | 4,686 |
| Net charge-offs to loans | 0.0351% | 2,348 |
| Credit loss provision to net charge-offs | 1,403.9216% | 598 |
| Earnings coverage of net charge-offs (x) | 14.0490% | 2,241 |
| Efficiency ratio | 88.3020% | 433 |
| Assets per employee ($millions) | 7.8510% | 1,093 |
| Cash dividends to net income (ytd only)* | 180.8067% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 1,844 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.7868% | 516 |
| Net loans and leases to deposits | 88.3162% | 1,055 |
| Net loans and leases to core deposits | 98.7627% | 971 |
| Total domestic deposits to total assets | 89.2099% | 892 |
| Equity capital to assets | 9.3408% | 3,754 |
| Core capital (leverage) ratio | 8.9714% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2430% | 2,533 |
| Memoranda: | ||
| Average total assets | $372,993,600 | 1,947 |
| Average earning assets | $347,563,600 | 1,946 |
| Average equity | $34,199,000 | 2,273 |
| Average total loans | $290,225,000 | 1,724 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,145 |
| Cost of funding earning assets | 1.2481% | 307 |
| Net interest margin | 3.4166% | 2,861 |
| Noninterest income to average assets | 0.0906% | 4,786 |
| Noninterest expense to average assets | 2.8192% | 1,921 |
| Loan and lease loss provision to assets | 0.1099% | 2,947 |
| Net operating income to assets | 0.3333% | 4,386 |
| Return on assets (ROA) | 0.5893% | 3,896 |
| Pretax return on assets | 0.5893% | 4,118 |
| Return on Equity (ROE) | 6.4571% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.9649% | 3,944 |
| Net charge-offs to loans | 0.0032% | 3,056 |
| Credit loss provision to net charge-offs | 4,400.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 177.5714% | 528 |
| Efficiency ratio | 86.4168% | 482 |
| Assets per employee ($millions) | 8.0004% | 992 |
| Cash dividends to net income (ytd only)* | 69.5705% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 1,491 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.3716% | 1,180 |
| Net loans and leases to deposits | 84.4573% | 1,861 |
| Net loans and leases to core deposits | 96.2627% | 1,436 |
| Total domestic deposits to total assets | 89.2422% | 669 |
| Equity capital to assets | 9.3695% | 3,798 |
| Core capital (leverage) ratio | 9.1722% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5830% | 2,377 |
| Memoranda: | ||
| Average total assets | $373,993,000 | 1,927 |
| Average earning assets | $347,194,000 | 1,931 |
| Average equity | $34,132,000 | 2,267 |
| Average total loans | $289,150,000 | 1,725 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 1,260 |
| Cost of funding earning assets | 1.3368% | 306 |
| Net interest margin | 3.4219% | 3,030 |
| Noninterest income to average assets | 0.1923% | 4,316 |
| Noninterest expense to average assets | 3.1051% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2716% | 4,467 |
| Return on assets (ROA) | 0.6059% | 3,795 |
| Pretax return on assets | 0.6059% | 4,050 |
| Return on Equity (ROE) | 6.6991% | 3,251 |
| Retained earnings to average equity (ytd only) | -0.1125% | 4,328 |
| Net charge-offs to loans | 0.0041% | 2,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 781 |
| Efficiency ratio | 91.9562% | 343 |
| Assets per employee ($millions) | 7.7160% | 1,079 |
| Cash dividends to net income (ytd only)* | 101.6799% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 1,166 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.1969% | 965 |
| Net loans and leases to deposits | 86.3061% | 1,730 |
| Net loans and leases to core deposits | 100.6528% | 1,212 |
| Total domestic deposits to total assets | 89.4455% | 596 |
| Equity capital to assets | 9.0800% | 4,010 |
| Core capital (leverage) ratio | 9.0367% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0958% | 2,569 |
| Memoranda: | ||
| Average total assets | $373,318,333 | 1,911 |
| Average earning assets | $347,408,000 | 1,908 |
| Average equity | $33,765,667 | 2,269 |
| Average total loans | $290,138,000 | 1,710 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 1,204 |
| Cost of funding earning assets | 1.4499% | 319 |
| Net interest margin | 3.4442% | 3,168 |
| Noninterest income to average assets | 0.1747% | 4,494 |
| Noninterest expense to average assets | 3.5435% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1488% | 4,825 |
| Return on assets (ROA) | 0.5252% | 3,883 |
| Pretax return on assets | 0.5252% | 4,080 |
| Return on Equity (ROE) | 5.8178% | 3,382 |
| Retained earnings to average equity (ytd only) | -5.5311% | 4,555 |
| Net charge-offs to loans | 0.0056% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -34.5000% | 2,551 |
| Efficiency ratio | 104.3837% | 190 |
| Assets per employee ($millions) | 6.9396% | 1,121 |
| Cash dividends to net income (ytd only)* | 195.0719% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 1,210 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.4159% | 1,227 |
| Net loans and leases to deposits | 84.0473% | 2,219 |
| Net loans and leases to core deposits | 97.7925% | 1,651 |
| Total domestic deposits to total assets | 90.9201% | 117 |
| Equity capital to assets | 8.7180% | 4,725 |
| Core capital (leverage) ratio | 9.2300% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5164% | 2,923 |
| Memoranda: | ||
| Average total assets | $370,935,500 | 1,887 |
| Average earning assets | $346,786,000 | 1,865 |
| Average equity | $33,483,500 | 2,271 |
| Average total loans | $288,038,000 | 1,686 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,590 |
| Cost of funding earning assets | 1.4020% | 560 |
| Net interest margin | 3.5578% | 3,262 |
| Noninterest income to average assets | 0.2390% | 4,246 |
| Noninterest expense to average assets | 2.9352% | 2,184 |
| Loan and lease loss provision to assets | 0.1901% | 1,076 |
| Net operating income to assets | 0.4853% | 4,439 |
| Return on assets (ROA) | 0.7525% | 3,771 |
| Pretax return on assets | 0.7525% | 4,074 |
| Return on Equity (ROE) | 8.3443% | 3,022 |
| Retained earnings to average equity (ytd only) | 5.6458% | 2,065 |
| Net charge-offs to loans | 0.2249% | 907 |
| Credit loss provision to net charge-offs | 111.2342% | 2,246 |
| Earnings coverage of net charge-offs (x) | 3.9525% | 3,271 |
| Efficiency ratio | 81.2940% | 847 |
| Assets per employee ($millions) | 6.4409% | 1,319 |
| Cash dividends to net income (ytd only)* | 32.3392% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,119 |
| Loan loss allowance to noncurrent loans | 578.2710% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 843 |
| Noncurrent loans to loans | 0.1490% | 3,929 |
| Net loans and leases to total assets | 77.5660% | 1,146 |
| Net loans and leases to deposits | 85.8358% | 2,111 |
| Net loans and leases to core deposits | 101.7734% | 1,427 |
| Total domestic deposits to total assets | 90.3656% | 223 |
| Equity capital to assets | 9.3419% | 4,467 |
| Core capital (leverage) ratio | 9.2531% | 4,319 |
| Tier 1 risk-based capital ratio | 11.8305% | 4,459 |
| Total risk-based capital ratio | 12.6851% | 4,536 |
| Memoranda: | ||
| Average total assets | $369,850,400 | 1,844 |
| Average earning assets | $350,496,800 | 1,815 |
| Average equity | $33,352,200 | 2,220 |
| Average total loans | $281,066,400 | 1,685 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 1,724 |
| Cost of funding earning assets | 1.3822% | 607 |
| Net interest margin | 3.5494% | 3,407 |
| Noninterest income to average assets | 0.2972% | 3,962 |
| Noninterest expense to average assets | 2.9784% | 2,038 |
| Loan and lease loss provision to assets | 0.1968% | 897 |
| Net operating income to assets | 0.4872% | 4,548 |
| Return on assets (ROA) | 0.6927% | 4,092 |
| Pretax return on assets | 0.6927% | 4,360 |
| Return on Equity (ROE) | 7.7503% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.3346% | 2,715 |
| Net charge-offs to loans | 0.3010% | 582 |
| Credit loss provision to net charge-offs | 86.6878% | 2,430 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,145 |
| Efficiency ratio | 81.3225% | 808 |
| Assets per employee ($millions) | 6.6422% | 1,194 |
| Cash dividends to net income (ytd only)* | 31.1689% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 896 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.9416% | 2,010 |
| Net loans and leases to deposits | 80.5299% | 2,845 |
| Net loans and leases to core deposits | 96.0574% | 1,986 |
| Total domestic deposits to total assets | 90.5770% | 157 |
| Equity capital to assets | 9.1150% | 4,721 |
| Core capital (leverage) ratio | 8.7992% | 4,775 |
| Tier 1 risk-based capital ratio | 11.7388% | 4,554 |
| Total risk-based capital ratio | 12.5465% | 4,668 |
| Memoranda: | ||
| Average total assets | $370,530,250 | 1,860 |
| Average earning assets | $351,303,000 | 1,825 |
| Average equity | $33,116,000 | 2,248 |
| Average total loans | $279,522,000 | 1,705 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,819 |
| Cost of funding earning assets | 1.3123% | 717 |
| Net interest margin | 3.5667% | 3,374 |
| Noninterest income to average assets | 0.2931% | 3,976 |
| Noninterest expense to average assets | 2.9676% | 2,091 |
| Loan and lease loss provision to assets | 0.2474% | 625 |
| Net operating income to assets | 0.4638% | 4,608 |
| Return on assets (ROA) | 0.6323% | 4,262 |
| Pretax return on assets | 0.6323% | 4,486 |
| Return on Equity (ROE) | 7.1238% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.4486% | 3,512 |
| Net charge-offs to loans | 0.4538% | 358 |
| Credit loss provision to net charge-offs | 71.6535% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.0598% | 2,972 |
| Efficiency ratio | 80.6680% | 910 |
| Assets per employee ($millions) | 6.8517% | 1,067 |
| Cash dividends to net income (ytd only)* | 51.5907% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 763 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.6693% | 1,938 |
| Net loans and leases to deposits | 81.1919% | 2,818 |
| Net loans and leases to core deposits | 102.6758% | 1,502 |
| Total domestic deposits to total assets | 90.7348% | 146 |
| Equity capital to assets | 8.9401% | 4,827 |
| Core capital (leverage) ratio | 8.9590% | 4,660 |
| Tier 1 risk-based capital ratio | 11.5926% | 4,637 |
| Total risk-based capital ratio | 12.3752% | 4,762 |
| Memoranda: | ||
| Average total assets | $367,838,000 | 1,879 |
| Average earning assets | $349,171,000 | 1,837 |
| Average equity | $32,651,330 | 2,264 |
| Average total loans | $279,869,000 | 1,712 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 1,845 |
| Cost of funding earning assets | 1.2285% | 828 |
| Net interest margin | 3.5929% | 3,276 |
| Noninterest income to average assets | 0.1695% | 4,726 |
| Noninterest expense to average assets | 2.9284% | 2,189 |
| Loan and lease loss provision to assets | 0.1024% | 1,721 |
| Net operating income to assets | 0.5549% | 4,372 |
| Return on assets (ROA) | 0.5868% | 4,312 |
| Pretax return on assets | 0.5868% | 4,540 |
| Return on Equity (ROE) | 6.6351% | 3,790 |
| Retained earnings to average equity (ytd only) | 1.0332% | 4,302 |
| Net charge-offs to loans | 0.9061% | 158 |
| Credit loss provision to net charge-offs | 14.6688% | 2,166 |
| Earnings coverage of net charge-offs (x) | 0.9416% | 2,637 |
| Efficiency ratio | 81.6702% | 902 |
| Assets per employee ($millions) | 6.7412% | 1,114 |
| Cash dividends to net income (ytd only)* | 84.4278% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 4,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 895 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.8098% | 1,841 |
| Net loans and leases to deposits | 83.6669% | 2,422 |
| Net loans and leases to core deposits | 104.3802% | 1,289 |
| Total domestic deposits to total assets | 88.2187% | 1,230 |
| Equity capital to assets | 8.8307% | 4,803 |
| Core capital (leverage) ratio | 9.0318% | 4,632 |
| Tier 1 risk-based capital ratio | 11.7143% | 4,611 |
| Total risk-based capital ratio | 12.3862% | 4,830 |
| Memoranda: | ||
| Average total assets | $363,336,000 | 1,902 |
| Average earning assets | $345,456,500 | 1,869 |
| Average equity | $32,132,000 | 2,293 |
| Average total loans | $279,883,000 | 1,721 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,340 |
| Cost of funding earning assets | 0.9812% | 811 |
| Net interest margin | 3.8996% | 2,328 |
| Noninterest income to average assets | 0.1897% | 4,767 |
| Noninterest expense to average assets | 3.1137% | 1,761 |
| Loan and lease loss provision to assets | 0.0411% | 3,369 |
| Net operating income to assets | 0.7207% | 4,078 |
| Return on assets (ROA) | 0.7158% | 4,104 |
| Pretax return on assets | 0.7158% | 4,372 |
| Return on Equity (ROE) | 8.3022% | 3,321 |
| Retained earnings to average equity (ytd only) | 8.3022% | 1,118 |
| Net charge-offs to loans | 0.1186% | 1,554 |
| Credit loss provision to net charge-offs | 44.5483% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.2555% | 2,913 |
| Efficiency ratio | 80.3427% | 929 |
| Assets per employee ($millions) | 6.2440% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 4,372 |
| Loan loss allowance to noncurrent loans | 52.4443% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6235% | 689 |
| Noncurrent loans to loans | 1.6120% | 907 |
| Net loans and leases to total assets | 79.1892% | 1,064 |
| Net loans and leases to deposits | 89.8879% | 1,814 |
| Net loans and leases to core deposits | 112.8547% | 842 |
| Total domestic deposits to total assets | 88.0977% | 1,254 |
| Equity capital to assets | 8.8571% | 4,688 |
| Core capital (leverage) ratio | 8.9361% | 4,705 |
| Tier 1 risk-based capital ratio | 11.7779% | 4,579 |
| Total risk-based capital ratio | 12.6519% | 4,677 |
| Memoranda: | ||
| Average total assets | $347,853,400 | 1,924 |
| Average earning assets | $328,778,200 | 1,896 |
| Average equity | $29,992,200 | 2,334 |
| Average total loans | $270,669,400 | 1,723 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 1,466 |
| Cost of funding earning assets | 0.9119% | 874 |
| Net interest margin | 3.8737% | 2,394 |
| Noninterest income to average assets | 0.2171% | 4,666 |
| Noninterest expense to average assets | 3.1860% | 1,559 |
| Loan and lease loss provision to assets | 0.0308% | 3,402 |
| Net operating income to assets | 0.6508% | 4,367 |
| Return on assets (ROA) | 0.6442% | 4,391 |
| Pretax return on assets | 0.6442% | 4,645 |
| Return on Equity (ROE) | 7.5244% | 3,739 |
| Retained earnings to average equity (ytd only) | 7.5244% | 1,877 |
| Net charge-offs to loans | 0.0649% | 1,907 |
| Credit loss provision to net charge-offs | 61.5385% | 2,730 |
| Earnings coverage of net charge-offs (x) | 13.5999% | 2,344 |
| Efficiency ratio | 82.3764% | 753 |
| Assets per employee ($millions) | 6.3539% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,184 |
| Loan loss allowance to noncurrent loans | 55.2379% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 783 |
| Noncurrent loans to loans | 1.6658% | 934 |
| Net loans and leases to total assets | 75.2511% | 1,773 |
| Net loans and leases to deposits | 84.8111% | 2,500 |
| Net loans and leases to core deposits | 104.8066% | 1,395 |
| Total domestic deposits to total assets | 88.7279% | 945 |
| Equity capital to assets | 8.2696% | 5,047 |
| Core capital (leverage) ratio | 8.8889% | 4,814 |
| Tier 1 risk-based capital ratio | 11.8380% | 4,583 |
| Total risk-based capital ratio | 12.7872% | 4,656 |
| Memoranda: | ||
| Average total assets | $345,840,000 | 1,941 |
| Average earning assets | $325,915,250 | 1,918 |
| Average equity | $29,609,500 | 2,362 |
| Average total loans | $267,276,000 | 1,749 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 1,435 |
| Cost of funding earning assets | 0.8589% | 880 |
| Net interest margin | 3.8686% | 2,315 |
| Noninterest income to average assets | 0.1281% | 5,166 |
| Noninterest expense to average assets | 3.3114% | 1,294 |
| Loan and lease loss provision to assets | 0.0323% | 3,268 |
| Net operating income to assets | 0.4313% | 4,902 |
| Return on assets (ROA) | 0.4407% | 4,879 |
| Pretax return on assets | 0.4407% | 5,000 |
| Return on Equity (ROE) | 5.0854% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.0854% | 3,026 |
| Net charge-offs to loans | 0.0922% | 1,423 |
| Credit loss provision to net charge-offs | 45.0820% | 2,523 |
| Earnings coverage of net charge-offs (x) | 6.4672% | 2,623 |
| Efficiency ratio | 87.7198% | 483 |
| Assets per employee ($millions) | 5.7667% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,156 |
| Loan loss allowance to noncurrent loans | 54.8669% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 729 |
| Noncurrent loans to loans | 1.7156% | 928 |
| Net loans and leases to total assets | 76.4616% | 1,566 |
| Net loans and leases to deposits | 86.5471% | 2,262 |
| Net loans and leases to core deposits | 106.6181% | 1,200 |
| Total domestic deposits to total assets | 88.3469% | 1,199 |
| Equity capital to assets | 8.5436% | 4,913 |
| Core capital (leverage) ratio | 8.7745% | 4,905 |
| Tier 1 risk-based capital ratio | 11.9746% | 4,516 |
| Total risk-based capital ratio | 12.9570% | 4,558 |
| Memoranda: | ||
| Average total assets | $340,396,670 | 1,966 |
| Average earning assets | $320,887,330 | 1,939 |
| Average equity | $29,496,000 | 2,381 |
| Average total loans | $264,678,670 | 1,765 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,596 |
| Cost of funding earning assets | 0.7930% | 980 |
| Net interest margin | 3.8003% | 2,424 |
| Noninterest income to average assets | 0.1031% | 5,315 |
| Noninterest expense to average assets | 3.3069% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3792% | 4,966 |
| Return on assets (ROA) | 0.3792% | 4,970 |
| Pretax return on assets | 0.3792% | 5,062 |
| Return on Equity (ROE) | 4.3444% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.3444% | 3,448 |
| Net charge-offs to loans | 0.0046% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 585 |
| Efficiency ratio | 89.7139% | 456 |
| Assets per employee ($millions) | 5.7331% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,150 |
| Loan loss allowance to noncurrent loans | 48.2320% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 688 |
| Noncurrent loans to loans | 1.9969% | 799 |
| Net loans and leases to total assets | 77.0654% | 1,380 |
| Net loans and leases to deposits | 87.0996% | 2,042 |
| Net loans and leases to core deposits | 104.2737% | 1,354 |
| Total domestic deposits to total assets | 88.4797% | 1,365 |
| Equity capital to assets | 8.4684% | 4,999 |
| Core capital (leverage) ratio | 9.0221% | 4,659 |
| Tier 1 risk-based capital ratio | 11.8420% | 4,656 |
| Total risk-based capital ratio | 12.8525% | 4,695 |
| Memoranda: | ||
| Average total assets | $337,594,500 | 1,989 |
| Average earning assets | $318,293,000 | 1,966 |
| Average equity | $29,463,500 | 2,408 |
| Average total loans | $263,482,000 | 1,778 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,135 |
| Cost of funding earning assets | 0.6316% | 1,407 |
| Net interest margin | 4.0947% | 1,461 |
| Noninterest income to average assets | 0.1878% | 5,016 |
| Noninterest expense to average assets | 3.4247% | 1,163 |
| Loan and lease loss provision to assets | 0.0955% | 2,296 |
| Net operating income to assets | 0.5314% | 4,285 |
| Return on assets (ROA) | 0.5985% | 4,060 |
| Pretax return on assets | 0.5985% | 4,742 |
| Return on Equity (ROE) | 6.8481% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.8481% | 1,141 |
| Net charge-offs to loans | -0.0027% | 4,557 |
| Credit loss provision to net charge-offs | -4,385.7143% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5292% | 729 |
| Assets per employee ($millions) | 5.2572% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,977 |
| Loan loss allowance to noncurrent loans | 48.5881% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8360% | 662 |
| Noncurrent loans to loans | 2.0486% | 738 |
| Net loans and leases to total assets | 77.5086% | 1,351 |
| Net loans and leases to deposits | 91.3810% | 1,603 |
| Net loans and leases to core deposits | 107.5706% | 1,168 |
| Total domestic deposits to total assets | 84.8191% | 2,903 |
| Equity capital to assets | 8.9965% | 4,725 |
| Core capital (leverage) ratio | 9.0228% | 4,622 |
| Tier 1 risk-based capital ratio | 12.1849% | 4,405 |
| Total risk-based capital ratio | 13.2370% | 4,418 |
| Memoranda: | ||
| Average total assets | $321,632,400 | 2,059 |
| Average earning assets | $303,492,200 | 2,024 |
| Average equity | $28,110,000 | 2,482 |
| Average total loans | $257,877,200 | 1,768 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,199 |
| Cost of funding earning assets | 0.6068% | 1,485 |
| Net interest margin | 4.0643% | 1,500 |
| Noninterest income to average assets | 0.2222% | 4,887 |
| Noninterest expense to average assets | 3.4870% | 1,013 |
| Loan and lease loss provision to assets | 0.1232% | 1,755 |
| Net operating income to assets | 0.4586% | 4,855 |
| Return on assets (ROA) | 0.5488% | 4,611 |
| Pretax return on assets | 0.5488% | 4,935 |
| Return on Equity (ROE) | 6.3274% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.3274% | 2,044 |
| Net charge-offs to loans | -0.0114% | 4,668 |
| Credit loss provision to net charge-offs | -1,340.9091% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7011% | 647 |
| Assets per employee ($millions) | 5.0883% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,206 |
| Loan loss allowance to noncurrent loans | 35.9188% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 478 |
| Noncurrent loans to loans | 2.7164% | 524 |
| Net loans and leases to total assets | 78.0918% | 1,255 |
| Net loans and leases to deposits | 88.3775% | 2,004 |
| Net loans and leases to core deposits | 102.5604% | 1,505 |
| Total domestic deposits to total assets | 88.3616% | 1,193 |
| Equity capital to assets | 8.4799% | 5,297 |
| Core capital (leverage) ratio | 8.4891% | 5,255 |
| Tier 1 risk-based capital ratio | 11.4503% | 4,984 |
| Total risk-based capital ratio | 12.4965% | 5,007 |
| Memoranda: | ||
| Average total assets | $319,239,000 | 2,080 |
| Average earning assets | $302,139,000 | 2,049 |
| Average equity | $27,688,250 | 2,524 |
| Average total loans | $257,523,000 | 1,782 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 1,008 |
| Cost of funding earning assets | 0.5840% | 1,551 |
| Net interest margin | 4.1410% | 1,220 |
| Noninterest income to average assets | 0.1313% | 5,393 |
| Noninterest expense to average assets | 3.5638% | 916 |
| Loan and lease loss provision to assets | 0.0657% | 2,658 |
| Net operating income to assets | 0.4214% | 4,926 |
| Return on assets (ROA) | 0.4265% | 4,936 |
| Pretax return on assets | 0.4265% | 5,126 |
| Return on Equity (ROE) | 4.8788% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.8788% | 2,790 |
| Net charge-offs to loans | -0.0125% | 4,610 |
| Credit loss provision to net charge-offs | -643.7500% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9761% | 549 |
| Assets per employee ($millions) | 4.5826% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 4,547 |
| Loan loss allowance to noncurrent loans | 32.9740% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.4954% | 437 |
| Noncurrent loans to loans | 2.7948% | 501 |
| Net loans and leases to total assets | 79.9666% | 961 |
| Net loans and leases to deposits | 93.6430% | 1,302 |
| Net loans and leases to core deposits | 111.2103% | 943 |
| Total domestic deposits to total assets | 85.3952% | 2,650 |
| Equity capital to assets | 8.7959% | 5,073 |
| Core capital (leverage) ratio | 8.6241% | 5,116 |
| Tier 1 risk-based capital ratio | 11.4629% | 4,979 |
| Total risk-based capital ratio | 12.4526% | 5,037 |
| Memoranda: | ||
| Average total assets | $313,709,330 | 2,111 |
| Average earning assets | $296,935,670 | 2,080 |
| Average equity | $27,425,000 | 2,541 |
| Average total loans | $255,084,670 | 1,794 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 821 |
| Cost of funding earning assets | 0.5734% | 1,555 |
| Net interest margin | 4.1862% | 1,015 |
| Noninterest income to average assets | 0.1496% | 5,369 |
| Noninterest expense to average assets | 3.7192% | 755 |
| Loan and lease loss provision to assets | 0.0490% | 2,829 |
| Net operating income to assets | 0.3353% | 5,115 |
| Return on assets (ROA) | 0.3353% | 5,138 |
| Pretax return on assets | 0.3353% | 5,261 |
| Return on Equity (ROE) | 3.8476% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.8476% | 3,530 |
| Net charge-offs to loans | -0.0047% | 4,166 |
| Credit loss provision to net charge-offs | -1,266.6667% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6348% | 524 |
| Assets per employee ($millions) | 4.9406% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,762 |
| Loan loss allowance to noncurrent loans | 72.8996% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 1,390 |
| Noncurrent loans to loans | 1.2314% | 1,644 |
| Net loans and leases to total assets | 80.5792% | 758 |
| Net loans and leases to deposits | 88.3558% | 1,750 |
| Net loans and leases to core deposits | 104.8174% | 1,171 |
| Total domestic deposits to total assets | 91.1985% | 245 |
| Equity capital to assets | 8.6367% | 5,122 |
| Core capital (leverage) ratio | 8.7175% | 5,028 |
| Tier 1 risk-based capital ratio | 11.5109% | 5,019 |
| Total risk-based capital ratio | 12.4867% | 5,077 |
| Memoranda: | ||
| Average total assets | $310,172,000 | 2,149 |
| Average earning assets | $292,964,500 | 2,114 |
| Average equity | $27,029,500 | 2,573 |
| Average total loans | $253,174,000 | 1,819 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,240 |
| Cost of funding earning assets | 0.5800% | 1,487 |
| Net interest margin | 4.0367% | 1,538 |
| Noninterest income to average assets | 0.1324% | 5,526 |
| Noninterest expense to average assets | 3.3904% | 1,381 |
| Loan and lease loss provision to assets | 0.0235% | 3,896 |
| Net operating income to assets | 0.5314% | 4,507 |
| Return on assets (ROA) | 0.6206% | 4,238 |
| Pretax return on assets | 0.6206% | 4,733 |
| Return on Equity (ROE) | 6.9590% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.9590% | 1,245 |
| Net charge-offs to loans | 0.1769% | 1,554 |
| Credit loss provision to net charge-offs | 17.1990% | 3,695 |
| Earnings coverage of net charge-offs (x) | 4.0663% | 3,564 |
| Efficiency ratio | 85.9364% | 827 |
| Assets per employee ($millions) | 4.7523% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,750 |
| Loan loss allowance to noncurrent loans | 62.1948% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 1,144 |
| Noncurrent loans to loans | 1.4624% | 1,388 |
| Net loans and leases to total assets | 81.2055% | 711 |
| Net loans and leases to deposits | 92.6081% | 1,358 |
| Net loans and leases to core deposits | 113.7216% | 710 |
| Total domestic deposits to total assets | 87.6872% | 1,798 |
| Equity capital to assets | 8.7951% | 5,017 |
| Core capital (leverage) ratio | 8.8134% | 4,954 |
| Tier 1 risk-based capital ratio | 11.7363% | 4,902 |
| Total risk-based capital ratio | 12.7229% | 4,976 |
| Memoranda: | ||
| Average total assets | $298,282,400 | 2,176 |
| Average earning assets | $281,737,800 | 2,144 |
| Average equity | $26,598,600 | 2,595 |
| Average total loans | $230,129,000 | 1,902 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 1,349 |
| Cost of funding earning assets | 0.6036% | 1,296 |
| Net interest margin | 3.9695% | 1,749 |
| Noninterest income to average assets | 0.1312% | 5,599 |
| Noninterest expense to average assets | 3.3677% | 1,419 |
| Loan and lease loss provision to assets | 0.0314% | 3,599 |
| Net operating income to assets | 0.4806% | 4,764 |
| Return on assets (ROA) | 0.5449% | 4,621 |
| Pretax return on assets | 0.5449% | 5,018 |
| Return on Equity (ROE) | 6.0890% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0890% | 2,132 |
| Net charge-offs to loans | 0.2171% | 1,071 |
| Credit loss provision to net charge-offs | 19.0736% | 3,306 |
| Earnings coverage of net charge-offs (x) | 3.1063% | 3,465 |
| Efficiency ratio | 86.8010% | 751 |
| Assets per employee ($millions) | 4.8112% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,572 |
| Loan loss allowance to noncurrent loans | 35.9794% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.4942% | 547 |
| Noncurrent loans to loans | 2.6923% | 612 |
| Net loans and leases to total assets | 79.0695% | 1,028 |
| Net loans and leases to deposits | 89.0165% | 1,885 |
| Net loans and leases to core deposits | 108.9650% | 985 |
| Total domestic deposits to total assets | 88.8257% | 997 |
| Equity capital to assets | 9.2627% | 4,901 |
| Core capital (leverage) ratio | 8.8994% | 4,944 |
| Tier 1 risk-based capital ratio | 11.4192% | 5,142 |
| Total risk-based capital ratio | 12.4198% | 5,186 |
| Memoranda: | ||
| Average total assets | $296,816,250 | 2,188 |
| Average earning assets | $280,297,000 | 2,158 |
| Average equity | $26,560,750 | 2,615 |
| Average total loans | $225,348,500 | 1,948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,423 |
| Cost of funding earning assets | 0.6365% | 1,108 |
| Net interest margin | 3.8957% | 1,990 |
| Noninterest income to average assets | 0.1255% | 5,684 |
| Noninterest expense to average assets | 3.3443% | 1,498 |
| Loan and lease loss provision to assets | 0.0472% | 3,205 |
| Net operating income to assets | 0.4104% | 5,005 |
| Return on assets (ROA) | 0.4596% | 4,925 |
| Pretax return on assets | 0.4596% | 5,224 |
| Return on Equity (ROE) | 5.1976% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.1976% | 2,602 |
| Net charge-offs to loans | 0.0633% | 2,290 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 9.6857% | 2,392 |
| Efficiency ratio | 87.9638% | 725 |
| Assets per employee ($millions) | 5.0459% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,455 |
| Loan loss allowance to noncurrent loans | 60.9551% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7908% | 964 |
| Noncurrent loans to loans | 1.9380% | 1,039 |
| Net loans and leases to total assets | 74.4291% | 1,745 |
| Net loans and leases to deposits | 82.3092% | 2,670 |
| Net loans and leases to core deposits | 105.5128% | 1,219 |
| Total domestic deposits to total assets | 90.4263% | 338 |
| Equity capital to assets | 9.3349% | 4,936 |
| Core capital (leverage) ratio | 8.6700% | 5,200 |
| Tier 1 risk-based capital ratio | 11.9304% | 4,873 |
| Total risk-based capital ratio | 13.1346% | 4,803 |
| Memoranda: | ||
| Average total assets | $296,324,330 | 2,203 |
| Average earning assets | $279,639,670 | 2,175 |
| Average equity | $26,204,330 | 2,649 |
| Average total loans | $221,076,330 | 1,975 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,638 |
| Cost of funding earning assets | 0.6523% | 1,040 |
| Net interest margin | 3.8050% | 2,265 |
| Noninterest income to average assets | 0.1248% | 5,714 |
| Noninterest expense to average assets | 3.3298% | 1,530 |
| Loan and lease loss provision to assets | 0.0939% | 2,124 |
| Net operating income to assets | 0.3166% | 5,253 |
| Return on assets (ROA) | 0.4146% | 5,027 |
| Pretax return on assets | 0.4146% | 5,278 |
| Return on Equity (ROE) | 4.8194% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.8194% | 3,053 |
| Net charge-offs to loans | -0.0181% | 4,805 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0244% | 744 |
| Assets per employee ($millions) | 5.5211% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,382 |
| Loan loss allowance to noncurrent loans | 56.7682% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 949 |
| Noncurrent loans to loans | 2.1440% | 970 |
| Net loans and leases to total assets | 71.7393% | 2,081 |
| Net loans and leases to deposits | 78.6325% | 2,931 |
| Net loans and leases to core deposits | 100.9140% | 1,411 |
| Total domestic deposits to total assets | 91.2336% | 213 |
| Equity capital to assets | 8.5794% | 5,513 |
| Core capital (leverage) ratio | 8.5947% | 5,297 |
| Tier 1 risk-based capital ratio | 11.6041% | 5,170 |
| Total risk-based capital ratio | 12.8291% | 5,086 |
| Memoranda: | ||
| Average total assets | $298,154,000 | 2,201 |
| Average earning assets | $283,308,500 | 2,159 |
| Average equity | $25,646,500 | 2,692 |
| Average total loans | $221,398,500 | 1,971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 1,758 |
| Cost of funding earning assets | 0.7029% | 811 |
| Net interest margin | 3.7420% | 2,592 |
| Noninterest income to average assets | 0.5105% | 3,254 |
| Noninterest expense to average assets | 3.2136% | 1,939 |
| Loan and lease loss provision to assets | 0.2320% | 850 |
| Net operating income to assets | 0.5692% | 4,423 |
| Return on assets (ROA) | 0.5787% | 4,477 |
| Pretax return on assets | 0.5787% | 4,906 |
| Return on Equity (ROE) | 7.6359% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.7397% | 1,410 |
| Net charge-offs to loans | 0.1509% | 1,862 |
| Credit loss provision to net charge-offs | 217.5159% | 1,305 |
| Earnings coverage of net charge-offs (x) | 7.5127% | 3,073 |
| Efficiency ratio | 80.0440% | 1,666 |
| Assets per employee ($millions) | 5.4194% | 1,889 |
| Cash dividends to net income (ytd only)* | 11.7371% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,635 |
| Loan loss allowance to noncurrent loans | 55.2749% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9607% | 911 |
| Noncurrent loans to loans | 2.1195% | 962 |
| Net loans and leases to total assets | 75.0613% | 1,562 |
| Net loans and leases to deposits | 82.3417% | 2,545 |
| Net loans and leases to core deposits | 107.2017% | 1,030 |
| Total domestic deposits to total assets | 91.1584% | 245 |
| Equity capital to assets | 8.6250% | 5,447 |
| Core capital (leverage) ratio | 8.4799% | 5,454 |
| Tier 1 risk-based capital ratio | 11.3775% | 5,325 |
| Total risk-based capital ratio | 12.5571% | 5,265 |
| Memoranda: | ||
| Average total assets | $294,434,600 | 2,182 |
| Average earning assets | $275,731,800 | 2,162 |
| Average equity | $22,315,600 | 2,936 |
| Average total loans | $208,149,400 | 2,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,756 |
| Cost of funding earning assets | 0.7076% | 809 |
| Net interest margin | 3.7425% | 2,603 |
| Noninterest income to average assets | 0.2225% | 5,322 |
| Noninterest expense to average assets | 3.0687% | 2,307 |
| Loan and lease loss provision to assets | 0.0904% | 2,361 |
| Net operating income to assets | 0.5476% | 4,600 |
| Return on assets (ROA) | 0.5557% | 4,665 |
| Pretax return on assets | 0.5557% | 5,082 |
| Return on Equity (ROE) | 7.5918% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.3563% | 2,038 |
| Net charge-offs to loans | 0.0606% | 2,732 |
| Credit loss provision to net charge-offs | 215.0538% | 1,260 |
| Earnings coverage of net charge-offs (x) | 15.1717% | 2,200 |
| Efficiency ratio | 82.7885% | 1,296 |
| Assets per employee ($millions) | 5.2476% | 2,006 |
| Cash dividends to net income (ytd only)* | 16.2734% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 4,276 |
| Loan loss allowance to noncurrent loans | 64.6783% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 1,530 |
| Noncurrent loans to loans | 1.6880% | 1,440 |
| Net loans and leases to total assets | 70.9339% | 2,246 |
| Net loans and leases to deposits | 76.9985% | 3,195 |
| Net loans and leases to core deposits | 98.9257% | 1,612 |
| Total domestic deposits to total assets | 92.1237% | 90 |
| Equity capital to assets | 7.6196% | 6,056 |
| Core capital (leverage) ratio | 7.4856% | 6,060 |
| Tier 1 risk-based capital ratio | 10.3115% | 5,946 |
| Total risk-based capital ratio | 11.3781% | 5,948 |
| Memoranda: | ||
| Average total assets | $294,880,750 | 2,194 |
| Average earning assets | $274,532,750 | 2,186 |
| Average equity | $21,584,250 | 3,036 |
| Average total loans | $204,619,000 | 2,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,008 |
| Cost of funding earning assets | 0.6951% | 863 |
| Net interest margin | 3.6559% | 2,890 |
| Noninterest income to average assets | 0.2501% | 5,157 |
| Noninterest expense to average assets | 3.0797% | 2,305 |
| Loan and lease loss provision to assets | 0.0852% | 2,412 |
| Net operating income to assets | 0.5009% | 4,764 |
| Return on assets (ROA) | 0.5050% | 4,857 |
| Pretax return on assets | 0.5050% | 5,210 |
| Return on Equity (ROE) | 6.9965% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.9965% | 1,702 |
| Net charge-offs to loans | 0.0795% | 2,256 |
| Credit loss provision to net charge-offs | 156.2500% | 1,494 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,340 |
| Efficiency ratio | 84.0119% | 1,265 |
| Assets per employee ($millions) | 5.4060% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 4,524 |
| Loan loss allowance to noncurrent loans | 62.8272% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 1,651 |
| Noncurrent loans to loans | 1.6912% | 1,532 |
| Net loans and leases to total assets | 70.1288% | 2,293 |
| Net loans and leases to deposits | 76.9277% | 3,172 |
| Net loans and leases to core deposits | 98.6515% | 1,598 |
| Total domestic deposits to total assets | 91.1619% | 263 |
| Equity capital to assets | 6.9823% | 6,197 |
| Core capital (leverage) ratio | 7.2986% | 6,136 |
| Tier 1 risk-based capital ratio | 10.0868% | 6,057 |
| Total risk-based capital ratio | 11.1393% | 6,071 |
| Memoranda: | ||
| Average total assets | $293,470,670 | 2,216 |
| Average earning assets | $274,189,000 | 2,204 |
| Average equity | $21,182,000 | 3,093 |
| Average total loans | $201,321,000 | 2,079 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,684 |
| Cost of funding earning assets | 0.6879% | 907 |
| Net interest margin | 3.4496% | 3,627 |
| Noninterest income to average assets | 0.2936% | 4,824 |
| Noninterest expense to average assets | 3.1173% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4127% | 5,025 |
| Return on assets (ROA) | 0.4695% | 4,921 |
| Pretax return on assets | 0.4695% | 5,261 |
| Return on Equity (ROE) | 6.3950% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,292 |
| Net charge-offs to loans | 0.0062% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 499 |
| Efficiency ratio | 88.3091% | 996 |
| Assets per employee ($millions) | 5.0115% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 4,558 |
| Loan loss allowance to noncurrent loans | 68.4873% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 1,919 |
| Noncurrent loans to loans | 1.5942% | 1,756 |
| Net loans and leases to total assets | 68.3854% | 2,383 |
| Net loans and leases to deposits | 73.9721% | 3,319 |
| Net loans and leases to core deposits | 91.7978% | 1,962 |
| Total domestic deposits to total assets | 92.4476% | 101 |
| Equity capital to assets | 7.3228% | 6,218 |
| Core capital (leverage) ratio | 7.6468% | 6,094 |
| Tier 1 risk-based capital ratio | 10.1936% | 6,115 |
| Total risk-based capital ratio | 11.2543% | 6,117 |
| Memoranda: | ||
| Average total assets | $288,838,000 | 2,255 |
| Average earning assets | $270,988,500 | 2,245 |
| Average equity | $21,204,000 | 3,118 |
| Average total loans | $194,689,000 | 2,127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,654 |
| Cost of funding earning assets | 0.7543% | 829 |
| Net interest margin | 3.8093% | 2,595 |
| Noninterest income to average assets | 0.4942% | 3,555 |
| Noninterest expense to average assets | 3.2324% | 2,122 |
| Loan and lease loss provision to assets | 0.2065% | 1,215 |
| Net operating income to assets | 0.5838% | 4,450 |
| Return on assets (ROA) | 0.6237% | 4,363 |
| Pretax return on assets | 0.6237% | 4,859 |
| Return on Equity (ROE) | 8.3667% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.3667% | 885 |
| Net charge-offs to loans | 0.1136% | 2,893 |
| Credit loss provision to net charge-offs | 265.3266% | 967 |
| Earnings coverage of net charge-offs (x) | 10.1558% | 2,650 |
| Efficiency ratio | 80.3558% | 1,872 |
| Assets per employee ($millions) | 4.9452% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,942 |
| Loan loss allowance to noncurrent loans | 57.8566% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 1,642 |
| Noncurrent loans to loans | 2.0901% | 1,305 |
| Net loans and leases to total assets | 64.7765% | 3,093 |
| Net loans and leases to deposits | 70.1147% | 3,896 |
| Net loans and leases to core deposits | 86.4462% | 2,652 |
| Total domestic deposits to total assets | 92.3864% | 109 |
| Equity capital to assets | 7.3635% | 6,269 |
| Core capital (leverage) ratio | 7.3620% | 6,247 |
| Tier 1 risk-based capital ratio | 10.9136% | 5,942 |
| Total risk-based capital ratio | 12.0690% | 5,911 |
| Memoranda: | ||
| Average total assets | $255,750,400 | 2,475 |
| Average earning assets | $236,894,200 | 2,447 |
| Average equity | $19,063,600 | 3,282 |
| Average total loans | $175,099,800 | 2,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,549 |
| Cost of funding earning assets | 0.7635% | 830 |
| Net interest margin | 3.8409% | 2,473 |
| Noninterest income to average assets | 0.3622% | 4,534 |
| Noninterest expense to average assets | 3.0136% | 2,761 |
| Loan and lease loss provision to assets | 0.2022% | 1,169 |
| Net operating income to assets | 0.6907% | 3,990 |
| Return on assets (ROA) | 0.7003% | 4,034 |
| Pretax return on assets | 0.7003% | 4,700 |
| Return on Equity (ROE) | 9.3629% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.3629% | 886 |
| Net charge-offs to loans | 0.0710% | 3,184 |
| Credit loss provision to net charge-offs | 410.8696% | 681 |
| Earnings coverage of net charge-offs (x) | 18.1419% | 1,859 |
| Efficiency ratio | 77.1432% | 2,330 |
| Assets per employee ($millions) | 5.1550% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,351 |
| Loan loss allowance to noncurrent loans | 75.9266% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 1,667 |
| Noncurrent loans to loans | 1.5501% | 2,091 |
| Net loans and leases to total assets | 63.7553% | 3,217 |
| Net loans and leases to deposits | 68.8684% | 4,032 |
| Net loans and leases to core deposits | 85.2478% | 2,751 |
| Total domestic deposits to total assets | 92.5756% | 109 |
| Equity capital to assets | 7.0403% | 6,375 |
| Core capital (leverage) ratio | 7.1958% | 6,354 |
| Tier 1 risk-based capital ratio | 10.5994% | 6,173 |
| Total risk-based capital ratio | 11.7151% | 6,164 |
| Memoranda: | ||
| Average total assets | $249,218,750 | 2,544 |
| Average earning assets | $229,974,500 | 2,541 |
| Average equity | $18,640,500 | 3,345 |
| Average total loans | $172,668,500 | 2,315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 1,056 |
| Cost of funding earning assets | 0.7938% | 735 |
| Net interest margin | 4.0103% | 1,778 |
| Noninterest income to average assets | 0.1872% | 5,836 |
| Noninterest expense to average assets | 3.1271% | 2,404 |
| Loan and lease loss provision to assets | 0.3203% | 596 |
| Net operating income to assets | 0.4423% | 5,047 |
| Return on assets (ROA) | 0.4575% | 5,057 |
| Pretax return on assets | 0.4575% | 5,399 |
| Return on Equity (ROE) | 5.9737% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,338 |
| Net charge-offs to loans | 0.0571% | 3,151 |
| Credit loss provision to net charge-offs | 787.5000% | 412 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,662 |
| Efficiency ratio | 80.3964% | 1,966 |
| Assets per employee ($millions) | 5.4678% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,958 |
| Loan loss allowance to noncurrent loans | 236.6138% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 3,014 |
| Noncurrent loans to loans | 0.5416% | 4,385 |
| Net loans and leases to total assets | 71.5898% | 1,815 |
| Net loans and leases to deposits | 78.0366% | 2,796 |
| Net loans and leases to core deposits | 100.4256% | 1,245 |
| Total domestic deposits to total assets | 91.7388% | 210 |
| Equity capital to assets | 8.0841% | 6,107 |
| Core capital (leverage) ratio | 8.2072% | 5,925 |
| Tier 1 risk-based capital ratio | 11.0601% | 6,025 |
| Total risk-based capital ratio | 12.2931% | 5,974 |
| Memoranda: | ||
| Average total assets | $236,064,330 | 2,672 |
| Average earning assets | $217,938,330 | 2,659 |
| Average equity | $18,079,330 | 3,412 |
| Average total loans | $168,144,000 | 2,357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,229 |
| Cost of funding earning assets | 0.7850% | 806 |
| Net interest margin | 3.9268% | 1,990 |
| Noninterest income to average assets | 0.1831% | 5,866 |
| Noninterest expense to average assets | 3.1411% | 2,402 |
| Loan and lease loss provision to assets | 0.3148% | 594 |
| Net operating income to assets | 0.3473% | 5,322 |
| Return on assets (ROA) | 0.3490% | 5,376 |
| Pretax return on assets | 0.3490% | 5,598 |
| Return on Equity (ROE) | 4.6911% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.6911% | 3,301 |
| Net charge-offs to loans | -0.0048% | 4,813 |
| Credit loss provision to net charge-offs | -9,200.0000% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5911% | 1,852 |
| Assets per employee ($millions) | 5.5873% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 4,601 |
| Loan loss allowance to noncurrent loans | 157.6488% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 3,069 |
| Noncurrent loans to loans | 0.7660% | 3,946 |
| Net loans and leases to total assets | 69.6159% | 1,963 |
| Net loans and leases to deposits | 75.5154% | 2,870 |
| Net loans and leases to core deposits | 96.7823% | 1,324 |
| Total domestic deposits to total assets | 92.1877% | 207 |
| Equity capital to assets | 7.6374% | 6,255 |
| Core capital (leverage) ratio | 8.6034% | 5,523 |
| Tier 1 risk-based capital ratio | 11.0272% | 6,141 |
| Total risk-based capital ratio | 12.1970% | 6,129 |
| Memoranda: | ||
| Average total assets | $233,805,000 | 2,707 |
| Average earning assets | $215,543,500 | 2,690 |
| Average equity | $17,394,500 | 3,495 |
| Average total loans | $164,981,500 | 2,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,616 |
| Cost of funding earning assets | 0.8745% | 844 |
| Net interest margin | 3.8081% | 2,630 |
| Noninterest income to average assets | 0.3475% | 4,836 |
| Noninterest expense to average assets | 3.1711% | 2,509 |
| Loan and lease loss provision to assets | 0.2080% | 1,782 |
| Net operating income to assets | 0.4750% | 4,843 |
| Return on assets (ROA) | 0.4948% | 4,895 |
| Pretax return on assets | 0.4948% | 5,220 |
| Return on Equity (ROE) | 6.8207% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.4255% | 3,793 |
| Net charge-offs to loans | 0.3939% | 1,710 |
| Credit loss provision to net charge-offs | 80.9932% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.6592% | 4,107 |
| Efficiency ratio | 82.2778% | 1,843 |
| Assets per employee ($millions) | 5.4090% | 1,745 |
| Cash dividends to net income (ytd only)* | 49.7778% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 4,569 |
| Loan loss allowance to noncurrent loans | 159.4979% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 3,098 |
| Noncurrent loans to loans | 0.7625% | 4,060 |
| Net loans and leases to total assets | 69.8117% | 2,048 |
| Net loans and leases to deposits | 75.3653% | 3,049 |
| Net loans and leases to core deposits | 93.9932% | 1,603 |
| Total domestic deposits to total assets | 92.6310% | 174 |
| Equity capital to assets | 7.2206% | 6,392 |
| Core capital (leverage) ratio | 7.7885% | 6,251 |
| Tier 1 risk-based capital ratio | 10.8156% | 6,254 |
| Total risk-based capital ratio | 11.9924% | 6,234 |
| Memoranda: | ||
| Average total assets | $227,369,400 | 2,742 |
| Average earning assets | $209,367,600 | 2,729 |
| Average equity | $16,494,000 | 3,629 |
| Average total loans | $148,272,600 | 2,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,631 |
| Cost of funding earning assets | 0.8889% | 862 |
| Net interest margin | 3.7992% | 2,642 |
| Noninterest income to average assets | 0.1993% | 5,986 |
| Noninterest expense to average assets | 3.0901% | 2,689 |
| Loan and lease loss provision to assets | 0.0589% | 3,870 |
| Net operating income to assets | 0.5426% | 4,610 |
| Return on assets (ROA) | 0.5688% | 4,628 |
| Pretax return on assets | 0.5688% | 5,137 |
| Return on Equity (ROE) | 7.8324% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.5422% | 3,440 |
| Net charge-offs to loans | 0.1961% | 2,665 |
| Credit loss provision to net charge-offs | 46.9767% | 3,581 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 3,349 |
| Efficiency ratio | 83.7070% | 1,643 |
| Assets per employee ($millions) | 5.4130% | 1,716 |
| Cash dividends to net income (ytd only)* | 42.0080% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,518 |
| Loan loss allowance to noncurrent loans | 75.2471% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 2,834 |
| Noncurrent loans to loans | 1.6942% | 2,652 |
| Net loans and leases to total assets | 64.8229% | 2,847 |
| Net loans and leases to deposits | 69.9117% | 3,798 |
| Net loans and leases to core deposits | 86.1451% | 2,392 |
| Total domestic deposits to total assets | 92.7212% | 148 |
| Equity capital to assets | 7.1425% | 6,509 |
| Core capital (leverage) ratio | 7.5679% | 6,424 |
| Tier 1 risk-based capital ratio | 11.2878% | 6,155 |
| Total risk-based capital ratio | 12.5141% | 6,129 |
| Memoranda: | ||
| Average total assets | $228,769,750 | 2,751 |
| Average earning assets | $210,283,250 | 2,739 |
| Average equity | $16,614,250 | 3,651 |
| Average total loans | $146,159,250 | 2,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,711 |
| Cost of funding earning assets | 0.9012% | 894 |
| Net interest margin | 3.7445% | 2,785 |
| Noninterest income to average assets | 0.1954% | 6,038 |
| Noninterest expense to average assets | 3.0570% | 2,806 |
| Loan and lease loss provision to assets | 0.0881% | 3,318 |
| Net operating income to assets | 0.4903% | 4,840 |
| Return on assets (ROA) | 0.5296% | 4,835 |
| Pretax return on assets | 0.5296% | 5,269 |
| Return on Equity (ROE) | 7.2522% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.5485% | 4,058 |
| Net charge-offs to loans | 0.1351% | 3,024 |
| Credit loss provision to net charge-offs | 103.0612% | 2,148 |
| Earnings coverage of net charge-offs (x) | 6.7653% | 2,661 |
| Efficiency ratio | 84.0893% | 1,623 |
| Assets per employee ($millions) | 5.2413% | 1,850 |
| Cash dividends to net income (ytd only)* | 51.0708% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,106 |
| Loan loss allowance to noncurrent loans | 108.3691% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 3,513 |
| Noncurrent loans to loans | 1.2783% | 3,418 |
| Net loans and leases to total assets | 62.3514% | 3,230 |
| Net loans and leases to deposits | 67.1575% | 4,124 |
| Net loans and leases to core deposits | 84.0482% | 2,561 |
| Total domestic deposits to total assets | 92.8435% | 138 |
| Equity capital to assets | 7.0220% | 6,598 |
| Core capital (leverage) ratio | 7.2740% | 6,536 |
| Tier 1 risk-based capital ratio | 11.6609% | 6,023 |
| Total risk-based capital ratio | 12.9122% | 5,970 |
| Memoranda: | ||
| Average total assets | $229,245,000 | 2,755 |
| Average earning assets | $210,600,670 | 2,735 |
| Average equity | $16,739,670 | 3,664 |
| Average total loans | $145,121,000 | 2,643 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,643 |
| Cost of funding earning assets | 0.9172% | 904 |
| Net interest margin | 3.7452% | 2,678 |
| Noninterest income to average assets | 0.1698% | 6,241 |
| Noninterest expense to average assets | 3.0959% | 2,691 |
| Loan and lease loss provision to assets | 0.1225% | 2,698 |
| Net operating income to assets | 0.3815% | 5,205 |
| Return on assets (ROA) | 0.4130% | 5,229 |
| Pretax return on assets | 0.4130% | 5,528 |
| Return on Equity (ROE) | 5.5489% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.1976% | 4,335 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9990% | 1,519 |
| Assets per employee ($millions) | 5.3779% | 1,767 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,187 |
| Loan loss allowance to noncurrent loans | 192.3502% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 4,457 |
| Noncurrent loans to loans | 0.7326% | 4,667 |
| Net loans and leases to total assets | 63.1448% | 2,866 |
| Net loans and leases to deposits | 68.2456% | 3,750 |
| Net loans and leases to core deposits | 86.1762% | 2,089 |
| Total domestic deposits to total assets | 92.5259% | 173 |
| Equity capital to assets | 7.3505% | 6,635 |
| Core capital (leverage) ratio | 7.5528% | 6,449 |
| Tier 1 risk-based capital ratio | 11.4428% | 6,214 |
| Total risk-based capital ratio | 12.6945% | 6,187 |
| Memoranda: | ||
| Average total assets | $228,559,000 | 2,792 |
| Average earning assets | $209,334,500 | 2,784 |
| Average equity | $17,012,500 | 3,673 |
| Average total loans | $144,775,000 | 2,653 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,486 |
| Cost of funding earning assets | 1.0686% | 1,030 |
| Net interest margin | 3.6591% | 3,833 |
| Noninterest income to average assets | 0.7524% | 2,482 |
| Noninterest expense to average assets | 2.8749% | 3,738 |
| Loan and lease loss provision to assets | 0.7187% | 711 |
| Net operating income to assets | 0.4661% | 4,816 |
| Return on assets (ROA) | 0.5351% | 4,806 |
| Pretax return on assets | 0.5351% | 5,180 |
| Return on Equity (ROE) | 7.6057% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.3946% | 1,876 |
| Net charge-offs to loans | 0.9039% | 1,257 |
| Credit loss provision to net charge-offs | 129.3712% | 2,172 |
| Earnings coverage of net charge-offs (x) | 2.1327% | 4,347 |
| Efficiency ratio | 70.8154% | 3,652 |
| Assets per employee ($millions) | 5.6467% | 1,565 |
| Cash dividends to net income (ytd only)* | 15.9236% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,033 |
| Loan loss allowance to noncurrent loans | 142.7459% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 4,175 |
| Noncurrent loans to loans | 0.9990% | 4,191 |
| Net loans and leases to total assets | 61.7279% | 3,296 |
| Net loans and leases to deposits | 66.8503% | 4,157 |
| Net loans and leases to core deposits | 85.4486% | 2,382 |
| Total domestic deposits to total assets | 92.3375% | 189 |
| Equity capital to assets | 7.5385% | 6,617 |
| Core capital (leverage) ratio | 7.4123% | 6,533 |
| Tier 1 risk-based capital ratio | 12.3232% | 5,585 |
| Total risk-based capital ratio | 13.5758% | 5,537 |
| Memoranda: | ||
| Average total assets | $234,725,200 | 2,680 |
| Average earning assets | $212,156,000 | 2,705 |
| Average equity | $16,514,000 | 3,699 |
| Average total loans | $144,263,000 | 2,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 2,557 |
| Cost of funding earning assets | 1.0984% | 1,068 |
| Net interest margin | 3.6573% | 3,975 |
| Noninterest income to average assets | 0.1435% | 6,428 |
| Noninterest expense to average assets | 2.7100% | 4,324 |
| Loan and lease loss provision to assets | 0.2347% | 2,700 |
| Net operating income to assets | 0.4834% | 4,907 |
| Return on assets (ROA) | 0.5717% | 4,787 |
| Pretax return on assets | 0.5717% | 5,252 |
| Return on Equity (ROE) | 8.2671% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.6397% | 2,309 |
| Net charge-offs to loans | 0.4709% | 2,212 |
| Credit loss provision to net charge-offs | 81.4453% | 3,580 |
| Earnings coverage of net charge-offs (x) | 2.4922% | 4,042 |
| Efficiency ratio | 79.0545% | 2,232 |
| Assets per employee ($millions) | 5.7924% | 1,380 |
| Cash dividends to net income (ytd only)* | 19.6851% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 5,866 |
| Loan loss allowance to noncurrent loans | 84.0066% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 3,581 |
| Noncurrent loans to loans | 1.2573% | 3,952 |
| Net loans and leases to total assets | 62.2222% | 3,343 |
| Net loans and leases to deposits | 67.1888% | 4,313 |
| Net loans and leases to core deposits | 84.0990% | 2,680 |
| Total domestic deposits to total assets | 92.6079% | 144 |
| Equity capital to assets | 7.2453% | 6,831 |
| Core capital (leverage) ratio | 7.0683% | 6,786 |
| Tier 1 risk-based capital ratio | 11.5620% | 6,190 |
| Total risk-based capital ratio | 12.6268% | 6,270 |
| Memoranda: | ||
| Average total assets | $236,939,750 | 2,688 |
| Average earning assets | $212,791,000 | 2,724 |
| Average equity | $16,385,750 | 3,753 |
| Average total loans | $144,968,750 | 2,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 2,638 |
| Cost of funding earning assets | 1.1309% | 1,090 |
| Net interest margin | 3.6395% | 4,081 |
| Noninterest income to average assets | 0.2338% | 5,898 |
| Noninterest expense to average assets | 2.6403% | 4,647 |
| Loan and lease loss provision to assets | 0.3494% | 1,883 |
| Net operating income to assets | 0.4692% | 4,959 |
| Return on assets (ROA) | 0.6008% | 4,617 |
| Pretax return on assets | 0.6008% | 5,131 |
| Return on Equity (ROE) | 8.8235% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.5929% | 1,819 |
| Net charge-offs to loans | 0.2598% | 3,019 |
| Credit loss provision to net charge-offs | 221.8085% | 1,283 |
| Earnings coverage of net charge-offs (x) | 5.1968% | 2,887 |
| Efficiency ratio | 76.3324% | 2,694 |
| Assets per employee ($millions) | 5.9537% | 1,268 |
| Cash dividends to net income (ytd only)* | 13.9470% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 5,028 |
| Loan loss allowance to noncurrent loans | 89.9131% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4163% | 3,598 |
| Noncurrent loans to loans | 1.4150% | 3,789 |
| Net loans and leases to total assets | 60.7064% | 3,681 |
| Net loans and leases to deposits | 65.3106% | 4,600 |
| Net loans and leases to core deposits | 81.7002% | 2,993 |
| Total domestic deposits to total assets | 92.9502% | 130 |
| Equity capital to assets | 6.9348% | 6,920 |
| Core capital (leverage) ratio | 6.9023% | 6,845 |
| Tier 1 risk-based capital ratio | 11.2625% | 6,363 |
| Total risk-based capital ratio | 12.5128% | 6,341 |
| Memoranda: | ||
| Average total assets | $238,688,330 | 2,672 |
| Average earning assets | $211,511,000 | 2,743 |
| Average equity | $16,252,000 | 3,766 |
| Average total loans | $144,723,670 | 2,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 2,158 |
| Cost of funding earning assets | 1.1868% | 1,046 |
| Net interest margin | 3.7362% | 3,663 |
| Noninterest income to average assets | 0.2059% | 6,154 |
| Noninterest expense to average assets | 2.5176% | 5,093 |
| Loan and lease loss provision to assets | 0.3850% | 1,634 |
| Net operating income to assets | 0.5758% | 4,468 |
| Return on assets (ROA) | 0.7901% | 3,668 |
| Pretax return on assets | 0.7901% | 4,452 |
| Return on Equity (ROE) | 11.7118% | 1,763 |
| Retained earnings to average equity (ytd only) | 9.2305% | 1,504 |
| Net charge-offs to loans | 0.4615% | 1,939 |
| Credit loss provision to net charge-offs | 138.5542% | 1,777 |
| Earnings coverage of net charge-offs (x) | 3.4578% | 2,831 |
| Efficiency ratio | 72.3773% | 3,368 |
| Assets per employee ($millions) | 6.0630% | 1,250 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,611 |
| Loan loss allowance to noncurrent loans | 57.3068% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 3,773 |
| Noncurrent loans to loans | 2.0502% | 3,088 |
| Net loans and leases to total assets | 58.8927% | 3,884 |
| Net loans and leases to deposits | 63.1892% | 4,746 |
| Net loans and leases to core deposits | 78.5177% | 3,256 |
| Total domestic deposits to total assets | 93.2005% | 131 |
| Equity capital to assets | 6.6972% | 6,979 |
| Core capital (leverage) ratio | 6.9558% | 6,855 |
| Tier 1 risk-based capital ratio | 11.2754% | 6,402 |
| Total risk-based capital ratio | 12.4523% | 6,425 |
| Memoranda: | ||
| Average total assets | $238,958,500 | 2,681 |
| Average earning assets | $209,305,500 | 2,786 |
| Average equity | $16,120,500 | 3,793 |
| Average total loans | $143,868,500 | 2,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 3,461 |
| Cost of funding earning assets | 1.3758% | 1,143 |
| Net interest margin | 3.5029% | 5,136 |
| Noninterest income to average assets | 0.4378% | 4,315 |
| Noninterest expense to average assets | 2.6059% | 5,074 |
| Loan and lease loss provision to assets | 0.5061% | 2,079 |
| Net operating income to assets | 0.5477% | 4,244 |
| Return on assets (ROA) | 0.5513% | 4,410 |
| Pretax return on assets | 0.5513% | 4,829 |
| Return on Equity (ROE) | 8.1360% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.1360% | 1,036 |
| Net charge-offs to loans | 0.2998% | 3,901 |
| Credit loss provision to net charge-offs | 278.3582% | 852 |
| Earnings coverage of net charge-offs (x) | 5.7960% | 2,682 |
| Efficiency ratio | 71.2061% | 3,746 |
| Assets per employee ($millions) | 5.8850% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,663 |
| Loan loss allowance to noncurrent loans | 54.7220% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 3,396 |
| Noncurrent loans to loans | 2.0850% | 3,087 |
| Net loans and leases to total assets | 60.1445% | 3,967 |
| Net loans and leases to deposits | 64.6040% | 4,924 |
| Net loans and leases to core deposits | 82.7584% | 3,071 |
| Total domestic deposits to total assets | 93.0972% | 133 |
| Equity capital to assets | 6.7966% | 7,007 |
| Core capital (leverage) ratio | 6.6300% | 6,955 |
| Tier 1 risk-based capital ratio | 10.7704% | 6,572 |
| Total risk-based capital ratio | 11.8775% | 6,611 |
| Memoranda: | ||
| Average total assets | $221,113,200 | 2,826 |
| Average earning assets | $203,376,000 | 2,808 |
| Average equity | $14,982,800 | 3,909 |
| Average total loans | $134,085,600 | 2,919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 3,417 |
| Cost of funding earning assets | 1.3961% | 1,250 |
| Net interest margin | 3.5360% | 5,039 |
| Noninterest income to average assets | 0.2072% | 6,128 |
| Noninterest expense to average assets | 2.4871% | 5,509 |
| Loan and lease loss provision to assets | 0.3671% | 2,656 |
| Net operating income to assets | 0.6362% | 3,936 |
| Return on assets (ROA) | 0.6178% | 4,190 |
| Pretax return on assets | 0.6178% | 4,750 |
| Return on Equity (ROE) | 9.1248% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.1248% | 1,102 |
| Net charge-offs to loans | 0.1831% | 4,336 |
| Credit loss provision to net charge-offs | 330.9392% | 852 |
| Earnings coverage of net charge-offs (x) | 9.0441% | 2,101 |
| Efficiency ratio | 71.2555% | 3,695 |
| Assets per employee ($millions) | 5.8634% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,421 |
| Loan loss allowance to noncurrent loans | 44.5445% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 3,485 |
| Noncurrent loans to loans | 2.1570% | 3,169 |
| Net loans and leases to total assets | 57.2406% | 4,636 |
| Net loans and leases to deposits | 61.6199% | 5,451 |
| Net loans and leases to core deposits | 79.9423% | 3,646 |
| Total domestic deposits to total assets | 92.8931% | 138 |
| Equity capital to assets | 6.5761% | 7,126 |
| Core capital (leverage) ratio | 7.0598% | 6,943 |
| Tier 1 risk-based capital ratio | 10.7014% | 6,707 |
| Total risk-based capital ratio | 11.6122% | 6,820 |
| Memoranda: | ||
| Average total assets | $217,542,000 | 2,872 |
| Average earning assets | $201,993,250 | 2,833 |
| Average equity | $14,728,750 | 3,977 |
| Average total loans | $131,803,750 | 2,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 2,915 |
| Cost of funding earning assets | 1.4531% | 1,186 |
| Net interest margin | 3.5989% | 4,718 |
| Noninterest income to average assets | 0.2048% | 6,199 |
| Noninterest expense to average assets | 2.4495% | 5,706 |
| Loan and lease loss provision to assets | 0.3134% | 2,916 |
| Net operating income to assets | 0.8470% | 2,872 |
| Return on assets (ROA) | 0.8184% | 3,106 |
| Pretax return on assets | 0.8184% | 3,953 |
| Return on Equity (ROE) | 11.9566% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.9566% | 522 |
| Net charge-offs to loans | 0.2812% | 3,475 |
| Credit loss provision to net charge-offs | 180.7692% | 1,668 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,353 |
| Efficiency ratio | 67.8543% | 4,541 |
| Assets per employee ($millions) | 5.4308% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 6,909 |
| Loan loss allowance to noncurrent loans | 32.5482% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 3,550 |
| Noncurrent loans to loans | 2.3869% | 3,002 |
| Net loans and leases to total assets | 64.1599% | 3,427 |
| Net loans and leases to deposits | 69.9980% | 4,437 |
| Net loans and leases to core deposits | 85.1806% | 3,048 |
| Total domestic deposits to total assets | 91.6597% | 308 |
| Equity capital to assets | 7.3300% | 7,024 |
| Core capital (leverage) ratio | 7.1650% | 6,935 |
| Tier 1 risk-based capital ratio | 11.1603% | 6,408 |
| Total risk-based capital ratio | 11.9252% | 6,708 |
| Memoranda: | ||
| Average total assets | $209,922,330 | 2,974 |
| Average earning assets | $198,616,330 | 2,890 |
| Average equity | $14,368,670 | 4,051 |
| Average total loans | $129,424,330 | 3,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 2,979 |
| Cost of funding earning assets | 1.5184% | 1,099 |
| Net interest margin | 3.5072% | 4,978 |
| Noninterest income to average assets | 0.1914% | 6,353 |
| Noninterest expense to average assets | 2.3370% | 6,086 |
| Loan and lease loss provision to assets | 0.2067% | 3,570 |
| Net operating income to assets | 0.9723% | 2,272 |
| Return on assets (ROA) | 0.9723% | 2,338 |
| Pretax return on assets | 0.9723% | 3,245 |
| Return on Equity (ROE) | 14.7348% | 867 |
| Retained earnings to average equity (ytd only) | 14.7348% | 416 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4671% | 4,953 |
| Assets per employee ($millions) | 5.5921% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 6,949 |
| Loan loss allowance to noncurrent loans | 156.7278% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,789 |
| Noncurrent loans to loans | 0.5016% | 6,017 |
| Net loans and leases to total assets | 60.8721% | 4,101 |
| Net loans and leases to deposits | 65.9041% | 4,990 |
| Net loans and leases to core deposits | 77.5533% | 4,080 |
| Total domestic deposits to total assets | 92.3646% | 196 |
| Equity capital to assets | 6.5827% | 7,189 |
| Core capital (leverage) ratio | 6.9008% | 7,045 |
| Tier 1 risk-based capital ratio | 10.5081% | 6,796 |
| Total risk-based capital ratio | 11.2674% | 6,993 |
| Memoranda: | ||
| Average total assets | $208,982,500 | 2,999 |
| Average earning assets | $198,109,000 | 2,910 |
| Average equity | $13,790,500 | 4,155 |
| Average total loans | $125,658,500 | 3,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 4,747 |
| Cost of funding earning assets | 1.9988% | 612 |
| Net interest margin | 2.9608% | 6,806 |
| Noninterest income to average assets | 0.8338% | 2,128 |
| Noninterest expense to average assets | 2.7190% | 4,906 |
| Loan and lease loss provision to assets | 0.2684% | 4,657 |
| Net operating income to assets | 0.6300% | 3,533 |
| Return on assets (ROA) | 0.8393% | 2,770 |
| Pretax return on assets | 0.8393% | 3,501 |
| Return on Equity (ROE) | 13.4890% | 984 |
| Retained earnings to average equity (ytd only) | 13.4890% | 185 |
| Net charge-offs to loans | 0.0156% | 6,666 |
| Credit loss provision to net charge-offs | 3,266.6667% | 66 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 229 |
| Efficiency ratio | 75.1628% | 3,172 |
| Assets per employee ($millions) | 5.2684% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 7,047 |
| Loan loss allowance to noncurrent loans | 140.2141% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 5,800 |
| Noncurrent loans to loans | 0.5408% | 5,970 |
| Net loans and leases to total assets | 58.4147% | 4,965 |
| Net loans and leases to deposits | 63.3263% | 5,704 |
| Net loans and leases to core deposits | 74.1446% | 4,962 |
| Total domestic deposits to total assets | 92.2440% | 228 |
| Equity capital to assets | 6.6157% | 7,228 |
| Core capital (leverage) ratio | 6.8208% | 7,100 |
| Tier 1 risk-based capital ratio | 10.7276% | 6,546 |
| Total risk-based capital ratio | 11.4469% | 6,851 |
| Memoranda: | ||
| Average total assets | $182,533,200 | 3,340 |
| Average earning assets | $171,607,200 | 3,253 |
| Average equity | $11,357,400 | 4,774 |
| Average total loans | $96,051,000 | 3,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 4,747 |
| Cost of funding earning assets | 2.0965% | 541 |
| Net interest margin | 2.9171% | 6,980 |
| Noninterest income to average assets | 1.0113% | 1,438 |
| Noninterest expense to average assets | 2.5927% | 5,356 |
| Loan and lease loss provision to assets | 0.3695% | 3,683 |
| Net operating income to assets | 0.7835% | 3,073 |
| Return on assets (ROA) | 1.0550% | 2,161 |
| Pretax return on assets | 1.0550% | 2,980 |
| Return on Equity (ROE) | 17.2736% | 556 |
| Retained earnings to average equity (ytd only) | 17.2736% | 126 |
| Net charge-offs to loans | 0.0223% | 6,360 |
| Credit loss provision to net charge-offs | 3,266.6667% | 91 |
| Earnings coverage of net charge-offs (x) | 101.9310% | 303 |
| Efficiency ratio | 69.2168% | 4,216 |
| Assets per employee ($millions) | 5.3938% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 6,845 |
| Loan loss allowance to noncurrent loans | 155.1607% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 6,632 |
| Noncurrent loans to loans | 0.5590% | 6,085 |
| Net loans and leases to total assets | 52.5119% | 6,040 |
| Net loans and leases to deposits | 57.0614% | 6,538 |
| Net loans and leases to core deposits | 67.1827% | 6,018 |
| Total domestic deposits to total assets | 92.0269% | 189 |
| Equity capital to assets | 6.8101% | 7,381 |
| Core capital (leverage) ratio | 6.7878% | 7,252 |
| Tier 1 risk-based capital ratio | 11.5678% | 5,863 |
| Total risk-based capital ratio | 12.3511% | 6,280 |
| Memoranda: | ||
| Average total assets | $176,799,750 | 3,467 |
| Average earning assets | $165,733,250 | 3,395 |
| Average equity | $10,798,500 | 4,973 |
| Average total loans | $89,828,750 | 4,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 4,986 |
| Cost of funding earning assets | 2.1605% | 530 |
| Net interest margin | 2.8292% | 7,108 |
| Noninterest income to average assets | 0.7163% | 2,611 |
| Noninterest expense to average assets | 2.5271% | 5,622 |
| Loan and lease loss provision to assets | 0.0709% | 6,241 |
| Net operating income to assets | 0.7636% | 3,135 |
| Return on assets (ROA) | 0.8368% | 2,951 |
| Pretax return on assets | 0.8368% | 3,755 |
| Return on Equity (ROE) | 14.3499% | 965 |
| Retained earnings to average equity (ytd only) | 14.3499% | 291 |
| Net charge-offs to loans | 0.0237% | 6,007 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 70.6000% | 446 |
| Efficiency ratio | 75.1758% | 3,229 |
| Assets per employee ($millions) | 5.4957% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 7,499 |
| Loan loss allowance to noncurrent loans | 83.2487% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 6,639 |
| Noncurrent loans to loans | 0.6093% | 6,025 |
| Net loans and leases to total assets | 50.1749% | 6,413 |
| Net loans and leases to deposits | 55.1942% | 6,785 |
| Net loans and leases to core deposits | 59.7033% | 6,730 |
| Total domestic deposits to total assets | 90.9061% | 526 |
| Equity capital to assets | 5.8352% | 7,560 |
| Core capital (leverage) ratio | 6.0533% | 7,474 |
| Tier 1 risk-based capital ratio | 10.2639% | 6,864 |
| Total risk-based capital ratio | 10.7147% | 7,280 |
| Memoranda: | ||
| Average total assets | $169,209,000 | 3,608 |
| Average earning assets | $158,207,670 | 3,551 |
| Average equity | $9,867,670 | 5,238 |
| Average total loans | $84,533,000 | 4,306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 5,537 |
| Cost of funding earning assets | 2.2684% | 472 |
| Net interest margin | 2.6167% | 7,377 |
| Noninterest income to average assets | 0.7587% | 2,247 |
| Noninterest expense to average assets | 2.4791% | 5,808 |
| Loan and lease loss provision to assets | 0.0761% | 5,882 |
| Net operating income to assets | 0.6242% | 3,782 |
| Return on assets (ROA) | 0.7257% | 3,439 |
| Pretax return on assets | 0.7257% | 4,146 |
| Return on Equity (ROE) | 12.4490% | 1,378 |
| Retained earnings to average equity (ytd only) | 12.4490% | 686 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9729% | 2,901 |
| Assets per employee ($millions) | 6.5570% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,534 |
| Loan loss allowance to noncurrent loans | 79.8646% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 6,607 |
| Noncurrent loans to loans | 0.7150% | 5,900 |
| Net loans and leases to total assets | 48.2077% | 6,656 |
| Net loans and leases to deposits | 52.6824% | 7,003 |
| Net loans and leases to core deposits | 61.3866% | 6,648 |
| Total domestic deposits to total assets | 91.5064% | 369 |
| Equity capital to assets | 5.9320% | 7,627 |
| Core capital (leverage) ratio | 6.5919% | 7,431 |
| Tier 1 risk-based capital ratio | 10.8256% | 6,320 |
| Total risk-based capital ratio | 11.3212% | 6,976 |
| Memoranda: | ||
| Average total assets | $157,639,000 | 3,884 |
| Average earning assets | $145,831,000 | 3,838 |
| Average equity | $9,189,500 | 5,484 |
| Average total loans | $78,298,000 | 4,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 2,797 |
| Cost of funding earning assets | 2.6320% | 705 |
| Net interest margin | 3.1344% | 6,270 |
| Noninterest income to average assets | 1.0699% | 1,343 |
| Noninterest expense to average assets | 2.9246% | 4,443 |
| Loan and lease loss provision to assets | 0.1043% | 6,591 |
| Net operating income to assets | 0.9421% | 2,035 |
| Return on assets (ROA) | 1.1812% | 1,342 |
| Pretax return on assets | 1.1812% | 2,000 |
| Return on Equity (ROE) | 17.7921% | 384 |
| Retained earnings to average equity (ytd only) | 17.7921% | 54 |
| Net charge-offs to loans | 0.0034% | 7,203 |
| Credit loss provision to net charge-offs | 6,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 602.0000% | 43 |
| Efficiency ratio | 73.6485% | 3,967 |
| Assets per employee ($millions) | 5.1713% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 7,557 |
| Loan loss allowance to noncurrent loans | 62.2535% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 6,223 |
| Noncurrent loans to loans | 0.9603% | 5,391 |
| Net loans and leases to total assets | 50.7586% | 6,554 |
| Net loans and leases to deposits | 55.5865% | 6,944 |
| Net loans and leases to core deposits | 98.9712% | 4,117 |
| Total domestic deposits to total assets | 91.3147% | 429 |
| Equity capital to assets | 5.7087% | 7,709 |
| Core capital (leverage) ratio | 6.4123% | 7,523 |
| Tier 1 risk-based capital ratio | 9.9556% | 6,913 |
| Total risk-based capital ratio | 10.4719% | 7,361 |
| Memoranda: | ||
| Average total assets | $115,057,000 | 4,697 |
| Average earning assets | $106,496,400 | 4,668 |
| Average equity | $7,638,200 | 6,040 |
| Average total loans | $58,815,200 | 5,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 2,170 |
| Cost of funding earning assets | 2.7190% | 748 |
| Net interest margin | 3.2463% | 5,857 |
| Noninterest income to average assets | 1.3429% | 849 |
| Noninterest expense to average assets | 2.9944% | 4,064 |
| Loan and lease loss provision to assets | 0.1115% | 6,254 |
| Net operating income to assets | 1.2575% | 1,324 |
| Return on assets (ROA) | 1.3987% | 1,095 |
| Pretax return on assets | 1.3987% | 1,698 |
| Return on Equity (ROE) | 20.1210% | 303 |
| Retained earnings to average equity (ytd only) | 20.1210% | 64 |
| Net charge-offs to loans | 0.0049% | 6,900 |
| Credit loss provision to net charge-offs | 4,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 551.7978% | 61 |
| Efficiency ratio | 68.6258% | 4,860 |
| Assets per employee ($millions) | 4.8533% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 7,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.2532% | 6,763 |
| Net loans and leases to deposits | 55.7439% | 7,109 |
| Net loans and leases to core deposits | 96.3767% | 4,767 |
| Total domestic deposits to total assets | 90.1502% | 715 |
| Equity capital to assets | 6.4754% | 7,770 |
| Core capital (leverage) ratio | 6.9424% | 7,465 |
| Tier 1 risk-based capital ratio | 9.7429% | 7,198 |
| Total risk-based capital ratio | 10.2268% | 7,646 |
| Memoranda: | ||
| Average total assets | $107,622,000 | 4,921 |
| Average earning assets | $100,132,250 | 4,861 |
| Average equity | $7,481,250 | 6,161 |
| Average total loans | $55,034,250 | 5,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1227% | 1,721 |
| Cost of funding earning assets | 2.7755% | 841 |
| Net interest margin | 3.3472% | 5,379 |
| Noninterest income to average assets | 1.0154% | 1,544 |
| Noninterest expense to average assets | 3.0088% | 4,049 |
| Loan and lease loss provision to assets | 0.1183% | 5,948 |
| Net operating income to assets | 0.9937% | 2,136 |
| Return on assets (ROA) | 1.2087% | 1,538 |
| Pretax return on assets | 1.2087% | 2,274 |
| Return on Equity (ROE) | 16.9072% | 591 |
| Retained earnings to average equity (ytd only) | 16.9072% | 138 |
| Net charge-offs to loans | 0.0038% | 6,562 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 52 |
| Efficiency ratio | 73.0144% | 4,192 |
| Assets per employee ($millions) | 4.5794% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 50.3463% | 6,838 |
| Net loans and leases to deposits | 55.9374% | 7,168 |
| Net loans and leases to core deposits | 90.1271% | 5,525 |
| Total domestic deposits to total assets | 90.0048% | 830 |
| Equity capital to assets | 6.2951% | 7,868 |
| Core capital (leverage) ratio | 7.2107% | 7,347 |
| Tier 1 risk-based capital ratio | 11.4759% | 5,410 |
| Total risk-based capital ratio | 12.0410% | 6,031 |
| Memoranda: | ||
| Average total assets | $101,434,330 | 5,123 |
| Average earning assets | $94,108,330 | 5,064 |
| Average equity | $7,251,330 | 6,281 |
| Average total loans | $52,104,330 | 5,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0585% | 2,118 |
| Cost of funding earning assets | 2.8494% | 868 |
| Net interest margin | 3.2090% | 5,832 |
| Noninterest income to average assets | 1.1000% | 1,236 |
| Noninterest expense to average assets | 3.2831% | 2,710 |
| Loan and lease loss provision to assets | 0.1264% | 5,339 |
| Net operating income to assets | 0.6617% | 3,751 |
| Return on assets (ROA) | 0.8808% | 2,931 |
| Pretax return on assets | 0.8808% | 3,789 |
| Return on Equity (ROE) | 11.4938% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.4938% | 881 |
| Net charge-offs to loans | 0.0244% | 5,207 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 631 |
| Efficiency ratio | 80.6418% | 2,716 |
| Assets per employee ($millions) | 4.0670% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6609% | 7,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 51.8864% | 6,695 |
| Net loans and leases to deposits | 57.9331% | 7,044 |
| Net loans and leases to core deposits | 82.6803% | 6,175 |
| Total domestic deposits to total assets | 89.5627% | 986 |
| Equity capital to assets | 7.1936% | 7,564 |
| Core capital (leverage) ratio | 8.0265% | 6,409 |
| Tier 1 risk-based capital ratio | 9.8624% | 7,071 |
| Total risk-based capital ratio | 10.3318% | 7,760 |
| Memoranda: | ||
| Average total assets | $94,909,000 | 5,333 |
| Average earning assets | $87,877,000 | 5,294 |
| Average equity | $7,273,500 | 6,309 |
| Average total loans | $49,145,500 | 5,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2109% | 4,461 |
| Cost of funding earning assets | 3.1204% | 1,449 |
| Net interest margin | 3.0905% | 6,673 |
| Noninterest income to average assets | 1.8900% | 380 |
| Noninterest expense to average assets | 3.7203% | 1,914 |
| Loan and lease loss provision to assets | -0.0565% | 8,238 |
| Net operating income to assets | 1.0669% | 2,272 |
| Return on assets (ROA) | 1.2735% | 1,508 |
| Pretax return on assets | 1.2735% | 2,395 |
| Return on Equity (ROE) | 13.4775% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.4775% | 145 |
| Net charge-offs to loans | -0.0883% | 8,078 |
| Credit loss provision to net charge-offs | 112.9032% | 4,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6421% | 2,815 |
| Assets per employee ($millions) | 4.0065% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 7,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.8951% | 6,945 |
| Net loans and leases to deposits | 57.7666% | 7,219 |
| Net loans and leases to core deposits | 80.5520% | 6,574 |
| Total domestic deposits to total assets | 88.1047% | 1,428 |
| Equity capital to assets | 8.2059% | 6,539 |
| Core capital (leverage) ratio | 11.8373% | 2,064 |
| Tier 1 risk-based capital ratio | 10.8344% | 5,875 |
| Total risk-based capital ratio | 11.3243% | 6,535 |
| Memoranda: | ||
| Average total assets | $61,957,200 | 6,317 |
| Average earning assets | $56,948,200 | 6,305 |
| Average equity | $5,854,200 | 6,855 |
| Average total loans | $35,115,600 | 6,419 |