Home > Paradise Bank > Performance and Condition Ratios
Paradise Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8131% | 131 |
| Cost of funding earning assets | 1.1524% | 2,930 |
| Net interest margin | 6.6607% | 72 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 3.8628% | 408 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 3.2814% | 138 |
| Return on assets (ROA) | 3.2814% | 135 |
| Pretax return on assets | 3.2814% | 167 |
| Return on Equity (ROE) | 41.7200% | 82 |
| Retained earnings to average equity (ytd only) | 0.2179% | 4,001 |
| Net charge-offs to loans | 0.0638% | 1,216 |
| Credit loss provision to net charge-offs | 41.0959% | 2,231 |
| Earnings coverage of net charge-offs (x) | 77.7603% | 1,040 |
| Efficiency ratio | 53.9376% | 3,683 |
| Assets per employee ($millions) | 6.8196% | 2,194 |
| Cash dividends to net income (ytd only)* | 99.4776% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,087 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.4200% | 1,646 |
| Net loans and leases to deposits | 78.0704% | 2,255 |
| Net loans and leases to core deposits | 83.5739% | 2,488 |
| Total domestic deposits to total assets | 91.4800% | 396 |
| Equity capital to assets | 7.7891% | 3,549 |
| Core capital (leverage) ratio | 10.0483% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6527% | 2,004 |
| Memoranda: | ||
| Average total assets | $344,155,600 | 2,215 |
| Average earning assets | $315,942,400 | 2,220 |
| Average equity | $27,071,400 | 2,406 |
| Average total loans | $228,914,200 | 2,110 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6264% | 128 |
| Cost of funding earning assets | 1.0391% | 2,927 |
| Net interest margin | 6.5873% | 67 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 3.6946% | 451 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 3.4113% | 140 |
| Return on assets (ROA) | 3.4113% | 140 |
| Pretax return on assets | 3.4113% | 167 |
| Return on Equity (ROE) | 43.2700% | 103 |
| Retained earnings to average equity (ytd only) | 13.8403% | 695 |
| Net charge-offs to loans | 0.0341% | 1,404 |
| Credit loss provision to net charge-offs | 103.4483% | 1,595 |
| Earnings coverage of net charge-offs (x) | 154.7069% | 710 |
| Efficiency ratio | 51.8254% | 3,767 |
| Assets per employee ($millions) | 6.7797% | 2,116 |
| Cash dividends to net income (ytd only)* | 68.0130% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,779 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.1700% | 2,027 |
| Net loans and leases to deposits | 75.1588% | 2,483 |
| Net loans and leases to core deposits | 79.1570% | 2,659 |
| Total domestic deposits to total assets | 90.7100% | 741 |
| Equity capital to assets | 7.9289% | 3,103 |
| Core capital (leverage) ratio | 10.5130% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5178% | 1,711 |
| Memoranda: | ||
| Average total assets | $348,359,250 | 2,209 |
| Average earning assets | $319,899,250 | 2,206 |
| Average equity | $27,465,000 | 2,383 |
| Average total loans | $227,078,250 | 2,119 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3842% | 138 |
| Cost of funding earning assets | 0.8660% | 3,036 |
| Net interest margin | 6.5181% | 74 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 3.5325% | 521 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 3.5268% | 119 |
| Return on assets (ROA) | 3.5268% | 120 |
| Pretax return on assets | 3.5268% | 144 |
| Return on Equity (ROE) | 44.8100% | 83 |
| Retained earnings to average equity (ytd only) | 23.0388% | 164 |
| Net charge-offs to loans | 0.0530% | 987 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 104.9667% | 910 |
| Efficiency ratio | 49.8007% | 3,946 |
| Assets per employee ($millions) | 7.6122% | 1,535 |
| Cash dividends to net income (ytd only)* | 48.5893% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,630 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.6700% | 2,708 |
| Net loans and leases to deposits | 66.7273% | 3,019 |
| Net loans and leases to core deposits | 70.1263% | 3,123 |
| Total domestic deposits to total assets | 90.9200% | 678 |
| Equity capital to assets | 7.9754% | 3,235 |
| Core capital (leverage) ratio | 10.3755% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2424% | 1,502 |
| Memoranda: | ||
| Average total assets | $353,744,667 | 2,188 |
| Average earning assets | $325,155,667 | 2,203 |
| Average equity | $27,840,000 | 2,368 |
| Average total loans | $226,427,333 | 2,117 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2356% | 99 |
| Cost of funding earning assets | 0.7186% | 2,993 |
| Net interest margin | 6.5170% | 74 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 3.5072% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.5072% | 119 |
| Return on assets (ROA) | 3.5072% | 119 |
| Pretax return on assets | 3.5072% | 141 |
| Return on Equity (ROE) | 44.8700% | 94 |
| Retained earnings to average equity (ytd only) | 44.8696% | 48 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.0000% | 3,935 |
| Assets per employee ($millions) | 7.9121% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,098 |
| Loan loss allowance to noncurrent loans | 4,260.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,662 |
| Noncurrent loans to loans | 0.0256% | 3,584 |
| Net loans and leases to total assets | 63.6400% | 2,281 |
| Net loans and leases to deposits | 69.9282% | 2,617 |
| Net loans and leases to core deposits | 72.3268% | 2,793 |
| Total domestic deposits to total assets | 91.0000% | 802 |
| Equity capital to assets | 8.0859% | 3,179 |
| Core capital (leverage) ratio | 10.3107% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6849% | 1,731 |
| Memoranda: | ||
| Average total assets | $351,729,500 | 2,226 |
| Average earning assets | $323,401,000 | 2,242 |
| Average equity | $27,493,000 | 2,421 |
| Average total loans | $229,837,500 | 2,117 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 291 |
| Cost of funding earning assets | 0.2151% | 3,632 |
| Net interest margin | 4.7942% | 177 |
| Noninterest income to average assets | 1.3000% | 409 |
| Noninterest expense to average assets | 3.2607% | 667 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.4617% | 151 |
| Return on assets (ROA) | 2.4617% | 146 |
| Pretax return on assets | 2.4617% | 217 |
| Return on Equity (ROE) | 31.7500% | 94 |
| Retained earnings to average equity (ytd only) | -0.0872% | 4,369 |
| Net charge-offs to loans | 0.0618% | 1,032 |
| Credit loss provision to net charge-offs | 82.1918% | 1,671 |
| Earnings coverage of net charge-offs (x) | 65.6918% | 1,192 |
| Efficiency ratio | 56.6724% | 3,508 |
| Assets per employee ($millions) | 7.0730% | 1,917 |
| Cash dividends to net income (ytd only)* | 100.2745% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,724 |
| Loan loss allowance to noncurrent loans | 4,260.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,674 |
| Noncurrent loans to loans | 0.0266% | 3,599 |
| Net loans and leases to total assets | 65.6700% | 2,075 |
| Net loans and leases to deposits | 71.6688% | 2,435 |
| Net loans and leases to core deposits | 73.0639% | 2,646 |
| Total domestic deposits to total assets | 91.6300% | 740 |
| Equity capital to assets | 7.5277% | 3,370 |
| Core capital (leverage) ratio | 9.2631% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1033% | 1,937 |
| Memoranda: | ||
| Average total assets | $384,728,600 | 2,086 |
| Average earning assets | $357,515,800 | 2,078 |
| Average equity | $29,826,400 | 2,343 |
| Average total loans | $236,233,600 | 2,016 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 504 |
| Cost of funding earning assets | 0.1233% | 4,097 |
| Net interest margin | 4.3668% | 297 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.9498% | 972 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 2.2082% | 211 |
| Return on assets (ROA) | 2.2082% | 207 |
| Pretax return on assets | 2.2082% | 317 |
| Return on Equity (ROE) | 28.3100% | 119 |
| Retained earnings to average equity (ytd only) | 13.6551% | 517 |
| Net charge-offs to loans | -0.1222% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.7450% | 3,543 |
| Assets per employee ($millions) | 7.7566% | 1,444 |
| Cash dividends to net income (ytd only)* | 51.7609% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,226 |
| Loan loss allowance to noncurrent loans | 687.5294% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,801 |
| Noncurrent loans to loans | 0.1829% | 2,669 |
| Net loans and leases to total assets | 62.9300% | 2,201 |
| Net loans and leases to deposits | 69.0942% | 2,446 |
| Net loans and leases to core deposits | 70.3471% | 2,618 |
| Total domestic deposits to total assets | 91.0800% | 1,212 |
| Equity capital to assets | 7.7183% | 3,076 |
| Core capital (leverage) ratio | 9.5432% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2990% | 1,623 |
| Memoranda: | ||
| Average total assets | $396,034,750 | 2,058 |
| Average earning assets | $368,834,500 | 2,047 |
| Average equity | $30,893,750 | 2,328 |
| Average total loans | $238,914,750 | 2,001 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 741 |
| Cost of funding earning assets | 0.0690% | 4,465 |
| Net interest margin | 4.0538% | 440 |
| Noninterest income to average assets | 0.8334% | 979 |
| Noninterest expense to average assets | 2.9607% | 893 |
| Loan and lease loss provision to assets | 0.0049% | 2,516 |
| Net operating income to assets | 1.6525% | 483 |
| Return on assets (ROA) | 1.6525% | 474 |
| Pretax return on assets | 1.6525% | 843 |
| Return on Equity (ROE) | 21.1176% | 239 |
| Retained earnings to average equity (ytd only) | 11.7187% | 659 |
| Net charge-offs to loans | -0.1808% | 4,577 |
| Credit loss provision to net charge-offs | -4.5872% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1099% | 2,757 |
| Assets per employee ($millions) | 8.8596% | 934 |
| Cash dividends to net income (ytd only)* | 44.5073% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.1095% | 2,954 |
| Net loans and leases to deposits | 58.8297% | 3,145 |
| Net loans and leases to core deposits | 59.7517% | 3,288 |
| Total domestic deposits to total assets | 91.9765% | 844 |
| Equity capital to assets | 7.0348% | 3,748 |
| Core capital (leverage) ratio | 8.4772% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8638% | 1,747 |
| Memoranda: | ||
| Average total assets | $406,526,000 | 2,029 |
| Average earning assets | $379,541,000 | 2,023 |
| Average equity | $31,812,333 | 2,320 |
| Average total loans | $241,104,667 | 1,989 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 911 |
| Cost of funding earning assets | 0.0705% | 4,445 |
| Net interest margin | 3.8405% | 583 |
| Noninterest income to average assets | 0.8088% | 1,024 |
| Noninterest expense to average assets | 2.9393% | 900 |
| Loan and lease loss provision to assets | 0.0100% | 2,143 |
| Net operating income to assets | 1.4423% | 721 |
| Return on assets (ROA) | 1.4423% | 718 |
| Pretax return on assets | 1.4423% | 1,147 |
| Return on Equity (ROE) | 17.5133% | 371 |
| Retained earnings to average equity (ytd only) | 17.5133% | 154 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9313% | 2,645 |
| Assets per employee ($millions) | 8.8638% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.9966% | 2,419 |
| Net loans and leases to deposits | 62.2695% | 2,694 |
| Net loans and leases to core deposits | 63.3942% | 2,849 |
| Total domestic deposits to total assets | 91.5321% | 785 |
| Equity capital to assets | 7.5755% | 3,877 |
| Core capital (leverage) ratio | 8.9047% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7696% | 2,316 |
| Memoranda: | ||
| Average total assets | $401,588,000 | 2,049 |
| Average earning assets | $374,635,000 | 2,051 |
| Average equity | $33,072,000 | 2,328 |
| Average total loans | $247,595,500 | 1,953 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 631 |
| Cost of funding earning assets | 0.0933% | 4,434 |
| Net interest margin | 4.3710% | 352 |
| Noninterest income to average assets | 2.4582% | 239 |
| Noninterest expense to average assets | 3.4827% | 487 |
| Loan and lease loss provision to assets | 0.1851% | 608 |
| Net operating income to assets | 2.8798% | 109 |
| Return on assets (ROA) | 2.8798% | 109 |
| Pretax return on assets | 2.8798% | 162 |
| Return on Equity (ROE) | 30.0332% | 70 |
| Retained earnings to average equity (ytd only) | 0.0496% | 4,472 |
| Net charge-offs to loans | 0.0016% | 2,600 |
| Credit loss provision to net charge-offs | 17,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 2,897.2500% | 43 |
| Efficiency ratio | 53.1909% | 4,012 |
| Assets per employee ($millions) | 8.2111% | 1,210 |
| Cash dividends to net income (ytd only)* | 99.8347% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.5306% | 1,526 |
| Net loans and leases to deposits | 72.4028% | 1,872 |
| Net loans and leases to core deposits | 73.8952% | 2,085 |
| Total domestic deposits to total assets | 90.5084% | 713 |
| Equity capital to assets | 8.9785% | 3,641 |
| Core capital (leverage) ratio | 8.6910% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,121,600 | 2,069 |
| Average earning assets | $353,761,400 | 2,065 |
| Average equity | $36,256,600 | 2,234 |
| Average total loans | $253,327,800 | 1,911 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 812 |
| Cost of funding earning assets | 0.0998% | 4,507 |
| Net interest margin | 4.2965% | 455 |
| Noninterest income to average assets | 2.3199% | 271 |
| Noninterest expense to average assets | 3.2068% | 702 |
| Loan and lease loss provision to assets | 0.1764% | 605 |
| Net operating income to assets | 2.9601% | 129 |
| Return on assets (ROA) | 2.9601% | 127 |
| Pretax return on assets | 2.9601% | 180 |
| Return on Equity (ROE) | 30.3881% | 89 |
| Retained earnings to average equity (ytd only) | 6.9881% | 2,424 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5557% | 4,172 |
| Assets per employee ($millions) | 7.7134% | 1,440 |
| Cash dividends to net income (ytd only)* | 77.0037% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,998 |
| Loan loss allowance to noncurrent loans | 1,692.1986% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,908 |
| Noncurrent loans to loans | 0.0563% | 3,824 |
| Net loans and leases to total assets | 65.5754% | 1,588 |
| Net loans and leases to deposits | 73.4220% | 1,912 |
| Net loans and leases to core deposits | 75.1029% | 2,132 |
| Total domestic deposits to total assets | 89.3131% | 1,116 |
| Equity capital to assets | 9.6178% | 3,272 |
| Core capital (leverage) ratio | 9.5025% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2927% | 2,263 |
| Memoranda: | ||
| Average total assets | $378,224,000 | 2,091 |
| Average earning assets | $354,170,500 | 2,085 |
| Average equity | $36,842,500 | 2,242 |
| Average total loans | $254,135,000 | 1,935 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 939 |
| Cost of funding earning assets | 0.1113% | 4,496 |
| Net interest margin | 4.2275% | 557 |
| Noninterest income to average assets | 2.8093% | 209 |
| Noninterest expense to average assets | 3.1566% | 773 |
| Loan and lease loss provision to assets | 0.2009% | 554 |
| Net operating income to assets | 3.4278% | 93 |
| Return on assets (ROA) | 3.4278% | 95 |
| Pretax return on assets | 3.4278% | 122 |
| Return on Equity (ROE) | 35.0427% | 65 |
| Retained earnings to average equity (ytd only) | 19.9750% | 158 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5212% | 4,493 |
| Assets per employee ($millions) | 7.7069% | 1,359 |
| Cash dividends to net income (ytd only)* | 42.9981% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,171 |
| Loan loss allowance to noncurrent loans | 168.9784% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 2,229 |
| Noncurrent loans to loans | 0.5288% | 2,085 |
| Net loans and leases to total assets | 63.9486% | 1,956 |
| Net loans and leases to deposits | 71.5345% | 2,252 |
| Net loans and leases to core deposits | 73.1581% | 2,502 |
| Total domestic deposits to total assets | 89.3955% | 1,085 |
| Equity capital to assets | 9.7675% | 3,077 |
| Core capital (leverage) ratio | 9.9256% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6904% | 2,093 |
| Memoranda: | ||
| Average total assets | $378,313,000 | 2,082 |
| Average earning assets | $355,816,000 | 2,067 |
| Average equity | $37,006,333 | 2,216 |
| Average total loans | $255,435,667 | 1,936 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 1,005 |
| Cost of funding earning assets | 0.1425% | 4,358 |
| Net interest margin | 4.1847% | 619 |
| Noninterest income to average assets | 2.3853% | 283 |
| Noninterest expense to average assets | 3.0862% | 855 |
| Loan and lease loss provision to assets | 0.2157% | 546 |
| Net operating income to assets | 3.0420% | 148 |
| Return on assets (ROA) | 3.0420% | 164 |
| Pretax return on assets | 3.0420% | 224 |
| Return on Equity (ROE) | 31.0734% | 123 |
| Retained earnings to average equity (ytd only) | 31.0734% | 71 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6486% | 4,291 |
| Assets per employee ($millions) | 7.3549% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,413 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 2,372 |
| Noncurrent loans to loans | 0.5126% | 2,322 |
| Net loans and leases to total assets | 69.1882% | 1,394 |
| Net loans and leases to deposits | 77.4935% | 1,761 |
| Net loans and leases to core deposits | 80.3632% | 1,967 |
| Total domestic deposits to total assets | 89.2826% | 1,178 |
| Equity capital to assets | 10.0184% | 2,690 |
| Core capital (leverage) ratio | 9.8521% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6550% | 2,016 |
| Memoranda: | ||
| Average total assets | $370,944,500 | 2,104 |
| Average earning assets | $350,894,000 | 2,075 |
| Average equity | $36,314,000 | 2,243 |
| Average total loans | $256,345,500 | 1,931 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,005 |
| Cost of funding earning assets | 0.3044% | 4,113 |
| Net interest margin | 4.3383% | 471 |
| Noninterest income to average assets | 1.0866% | 903 |
| Noninterest expense to average assets | 3.2703% | 939 |
| Loan and lease loss provision to assets | 0.1329% | 2,699 |
| Net operating income to assets | 1.7647% | 417 |
| Return on assets (ROA) | 1.7647% | 449 |
| Pretax return on assets | 1.7647% | 735 |
| Return on Equity (ROE) | 17.0745% | 402 |
| Retained earnings to average equity (ytd only) | 0.1233% | 4,487 |
| Net charge-offs to loans | 0.0402% | 2,256 |
| Credit loss provision to net charge-offs | 468.3673% | 1,308 |
| Earnings coverage of net charge-offs (x) | 66.8776% | 1,004 |
| Efficiency ratio | 63.2809% | 2,930 |
| Assets per employee ($millions) | 7.3358% | 1,375 |
| Cash dividends to net income (ytd only)* | 99.2781% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,510 |
| Loan loss allowance to noncurrent loans | 140.6413% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,517 |
| Noncurrent loans to loans | 0.5341% | 2,378 |
| Net loans and leases to total assets | 67.9393% | 1,834 |
| Net loans and leases to deposits | 76.7417% | 2,207 |
| Net loans and leases to core deposits | 79.6890% | 2,394 |
| Total domestic deposits to total assets | 88.5299% | 1,206 |
| Equity capital to assets | 9.5556% | 3,556 |
| Core capital (leverage) ratio | 9.4975% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1312% | 2,192 |
| Memoranda: | ||
| Average total assets | $345,383,800 | 2,074 |
| Average earning assets | $324,923,400 | 2,055 |
| Average equity | $35,696,600 | 2,194 |
| Average total loans | $243,489,800 | 1,949 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,258 |
| Cost of funding earning assets | 0.3440% | 4,090 |
| Net interest margin | 4.2737% | 622 |
| Noninterest income to average assets | 0.9493% | 1,122 |
| Noninterest expense to average assets | 3.3196% | 880 |
| Loan and lease loss provision to assets | 0.3214% | 1,229 |
| Net operating income to assets | 1.3226% | 1,306 |
| Return on assets (ROA) | 1.3226% | 1,390 |
| Pretax return on assets | 1.3226% | 1,965 |
| Return on Equity (ROE) | 12.5416% | 1,236 |
| Retained earnings to average equity (ytd only) | 8.8233% | 1,031 |
| Net charge-offs to loans | 0.0541% | 1,834 |
| Credit loss provision to net charge-offs | 836.7347% | 947 |
| Earnings coverage of net charge-offs (x) | 42.7857% | 1,311 |
| Efficiency ratio | 66.8773% | 2,335 |
| Assets per employee ($millions) | 6.6855% | 1,683 |
| Cash dividends to net income (ytd only)* | 29.6472% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,230 |
| Loan loss allowance to noncurrent loans | 167.4870% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 2,626 |
| Noncurrent loans to loans | 0.5066% | 2,530 |
| Net loans and leases to total assets | 75.5009% | 1,159 |
| Net loans and leases to deposits | 86.9247% | 1,599 |
| Net loans and leases to core deposits | 90.4597% | 1,933 |
| Total domestic deposits to total assets | 86.8579% | 1,721 |
| Equity capital to assets | 10.7808% | 2,561 |
| Core capital (leverage) ratio | 10.6233% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7195% | 1,922 |
| Memoranda: | ||
| Average total assets | $340,032,500 | 2,079 |
| Average earning assets | $319,405,000 | 2,057 |
| Average equity | $35,858,500 | 2,168 |
| Average total loans | $241,592,250 | 1,965 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 1,196 |
| Cost of funding earning assets | 0.3953% | 4,053 |
| Net interest margin | 4.3940% | 627 |
| Noninterest income to average assets | 0.6376% | 1,984 |
| Noninterest expense to average assets | 3.3577% | 911 |
| Loan and lease loss provision to assets | 0.2726% | 1,573 |
| Net operating income to assets | 1.1313% | 1,873 |
| Return on assets (ROA) | 1.1313% | 1,989 |
| Pretax return on assets | 1.1313% | 2,609 |
| Return on Equity (ROE) | 10.8102% | 1,700 |
| Retained earnings to average equity (ytd only) | 5.1475% | 2,401 |
| Net charge-offs to loans | 0.0881% | 1,368 |
| Credit loss provision to net charge-offs | 446.6019% | 1,311 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,614 |
| Efficiency ratio | 70.5165% | 1,886 |
| Assets per employee ($millions) | 6.4561% | 1,824 |
| Cash dividends to net income (ytd only)* | 52.3834% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 4,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.8675% | 1,431 |
| Net loans and leases to deposits | 84.2634% | 1,975 |
| Net loans and leases to core deposits | 87.9215% | 2,250 |
| Total domestic deposits to total assets | 87.6626% | 1,344 |
| Equity capital to assets | 10.1644% | 3,051 |
| Core capital (leverage) ratio | 10.1059% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0684% | 2,148 |
| Memoranda: | ||
| Average total assets | $337,494,667 | 2,061 |
| Average earning assets | $316,752,667 | 2,045 |
| Average equity | $35,318,333 | 2,191 |
| Average total loans | $233,882,333 | 1,989 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 1,530 |
| Cost of funding earning assets | 0.4387% | 4,204 |
| Net interest margin | 4.3208% | 731 |
| Noninterest income to average assets | 0.7667% | 1,406 |
| Noninterest expense to average assets | 3.5157% | 914 |
| Loan and lease loss provision to assets | 0.0974% | 2,467 |
| Net operating income to assets | 1.2047% | 1,499 |
| Return on assets (ROA) | 1.2047% | 1,615 |
| Pretax return on assets | 1.2047% | 2,180 |
| Return on Equity (ROE) | 11.3365% | 1,311 |
| Retained earnings to average equity (ytd only) | 11.3365% | 512 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9730% | 1,941 |
| Assets per employee ($millions) | 6.2374% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,586 |
| Loan loss allowance to noncurrent loans | 538.2550% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,155 |
| Noncurrent loans to loans | 0.1323% | 3,990 |
| Net loans and leases to total assets | 68.9558% | 2,401 |
| Net loans and leases to deposits | 78.0727% | 2,879 |
| Net loans and leases to core deposits | 81.9359% | 3,026 |
| Total domestic deposits to total assets | 88.3226% | 968 |
| Equity capital to assets | 10.9754% | 2,876 |
| Core capital (leverage) ratio | 10.4674% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3443% | 1,520 |
| Memoranda: | ||
| Average total assets | $328,700,500 | 2,048 |
| Average earning assets | $308,180,500 | 2,034 |
| Average equity | $34,931,500 | 2,207 |
| Average total loans | $218,737,500 | 2,054 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 684 |
| Cost of funding earning assets | 0.3882% | 4,481 |
| Net interest margin | 4.9971% | 275 |
| Noninterest income to average assets | 1.1947% | 662 |
| Noninterest expense to average assets | 3.6318% | 826 |
| Loan and lease loss provision to assets | 0.0975% | 2,098 |
| Net operating income to assets | 2.1237% | 259 |
| Return on assets (ROA) | 2.1237% | 271 |
| Pretax return on assets | 2.1237% | 449 |
| Return on Equity (ROE) | 19.3554% | 246 |
| Retained earnings to average equity (ytd only) | 0.0172% | 4,688 |
| Net charge-offs to loans | 0.3790% | 523 |
| Credit loss provision to net charge-offs | 38.1304% | 3,216 |
| Earnings coverage of net charge-offs (x) | 8.6900% | 2,742 |
| Efficiency ratio | 62.0508% | 3,374 |
| Assets per employee ($millions) | 6.1677% | 1,507 |
| Cash dividends to net income (ytd only)* | 99.9112% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 4,536 |
| Loan loss allowance to noncurrent loans | 511.4094% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,188 |
| Noncurrent loans to loans | 0.1404% | 3,966 |
| Net loans and leases to total assets | 63.2603% | 3,283 |
| Net loans and leases to deposits | 70.9681% | 3,595 |
| Net loans and leases to core deposits | 74.1629% | 3,708 |
| Total domestic deposits to total assets | 89.1391% | 616 |
| Equity capital to assets | 10.2880% | 3,634 |
| Core capital (leverage) ratio | 10.4346% | 3,026 |
| Tier 1 risk-based capital ratio | 16.0265% | 2,396 |
| Total risk-based capital ratio | 16.7364% | 2,517 |
| Memoranda: | ||
| Average total assets | $318,079,800 | 2,054 |
| Average earning assets | $296,514,000 | 2,049 |
| Average equity | $34,899,800 | 2,145 |
| Average total loans | $214,513,400 | 2,060 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 609 |
| Cost of funding earning assets | 0.3761% | 4,577 |
| Net interest margin | 5.1011% | 233 |
| Noninterest income to average assets | 1.0180% | 902 |
| Noninterest expense to average assets | 3.6334% | 814 |
| Loan and lease loss provision to assets | 0.1188% | 1,645 |
| Net operating income to assets | 2.0118% | 385 |
| Return on assets (ROA) | 2.0118% | 401 |
| Pretax return on assets | 2.0118% | 667 |
| Return on Equity (ROE) | 18.0380% | 388 |
| Retained earnings to average equity (ytd only) | 5.2825% | 2,742 |
| Net charge-offs to loans | 0.5387% | 311 |
| Credit loss provision to net charge-offs | 32.2209% | 2,899 |
| Earnings coverage of net charge-offs (x) | 5.7802% | 2,887 |
| Efficiency ratio | 63.0363% | 3,154 |
| Assets per employee ($millions) | 6.2507% | 1,425 |
| Cash dividends to net income (ytd only)* | 70.7148% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 3,794 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.8318% | 2,652 |
| Net loans and leases to deposits | 78.3155% | 3,065 |
| Net loans and leases to core deposits | 82.0600% | 3,241 |
| Total domestic deposits to total assets | 87.8903% | 1,082 |
| Equity capital to assets | 11.2185% | 2,907 |
| Core capital (leverage) ratio | 10.9790% | 2,664 |
| Tier 1 risk-based capital ratio | 16.0105% | 2,424 |
| Total risk-based capital ratio | 16.7043% | 2,592 |
| Memoranda: | ||
| Average total assets | $314,335,500 | 2,086 |
| Average earning assets | $292,451,250 | 2,088 |
| Average equity | $35,058,500 | 2,149 |
| Average total loans | $215,087,500 | 2,075 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 577 |
| Cost of funding earning assets | 0.3442% | 4,700 |
| Net interest margin | 5.1491% | 214 |
| Noninterest income to average assets | 1.1654% | 631 |
| Noninterest expense to average assets | 3.7021% | 748 |
| Loan and lease loss provision to assets | 0.1023% | 1,827 |
| Net operating income to assets | 2.1518% | 296 |
| Return on assets (ROA) | 2.1518% | 311 |
| Pretax return on assets | 2.1518% | 498 |
| Return on Equity (ROE) | 19.3317% | 294 |
| Retained earnings to average equity (ytd only) | 10.2804% | 679 |
| Net charge-offs to loans | 0.8155% | 174 |
| Credit loss provision to net charge-offs | 18.4120% | 2,665 |
| Earnings coverage of net charge-offs (x) | 4.0575% | 2,772 |
| Efficiency ratio | 62.1552% | 3,410 |
| Assets per employee ($millions) | 6.5211% | 1,229 |
| Cash dividends to net income (ytd only)* | 46.8212% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 4,744 |
| Loan loss allowance to noncurrent loans | 185.6031% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 3,497 |
| Noncurrent loans to loans | 0.3670% | 3,209 |
| Net loans and leases to total assets | 63.9904% | 3,344 |
| Net loans and leases to deposits | 72.5562% | 3,635 |
| Net loans and leases to core deposits | 76.3794% | 3,695 |
| Total domestic deposits to total assets | 88.1943% | 1,011 |
| Equity capital to assets | 11.0457% | 3,001 |
| Core capital (leverage) ratio | 11.3758% | 2,268 |
| Tier 1 risk-based capital ratio | 17.1341% | 2,048 |
| Total risk-based capital ratio | 17.8117% | 2,169 |
| Memoranda: | ||
| Average total assets | $312,852,000 | 2,099 |
| Average earning assets | $291,082,000 | 2,095 |
| Average equity | $34,823,670 | 2,147 |
| Average total loans | $213,124,330 | 2,092 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5151% | 509 |
| Cost of funding earning assets | 0.2788% | 4,905 |
| Net interest margin | 5.2363% | 188 |
| Noninterest income to average assets | 1.1128% | 656 |
| Noninterest expense to average assets | 3.8387% | 629 |
| Loan and lease loss provision to assets | 0.0522% | 2,616 |
| Net operating income to assets | 2.0793% | 339 |
| Return on assets (ROA) | 2.0793% | 355 |
| Pretax return on assets | 2.0793% | 551 |
| Return on Equity (ROE) | 18.6044% | 351 |
| Retained earnings to average equity (ytd only) | 18.6044% | 127 |
| Net charge-offs to loans | 1.2914% | 99 |
| Credit loss provision to net charge-offs | 5.7720% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.3550% | 2,503 |
| Efficiency ratio | 64.2967% | 3,192 |
| Assets per employee ($millions) | 6.0198% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 4,763 |
| Loan loss allowance to noncurrent loans | 155.7068% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 2,752 |
| Noncurrent loans to loans | 0.4549% | 2,953 |
| Net loans and leases to total assets | 66.5839% | 2,963 |
| Net loans and leases to deposits | 75.6063% | 3,297 |
| Net loans and leases to core deposits | 79.7660% | 3,392 |
| Total domestic deposits to total assets | 88.0666% | 1,301 |
| Equity capital to assets | 11.2862% | 2,573 |
| Core capital (leverage) ratio | 11.7542% | 1,934 |
| Tier 1 risk-based capital ratio | 16.7753% | 2,182 |
| Total risk-based capital ratio | 17.4684% | 2,308 |
| Memoranda: | ||
| Average total assets | $306,251,000 | 2,162 |
| Average earning assets | $284,092,500 | 2,147 |
| Average equity | $34,228,500 | 2,178 |
| Average total loans | $214,649,000 | 2,096 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 664 |
| Cost of funding earning assets | 0.2579% | 4,769 |
| Net interest margin | 4.9745% | 278 |
| Noninterest income to average assets | 1.2993% | 552 |
| Noninterest expense to average assets | 3.6764% | 796 |
| Loan and lease loss provision to assets | 0.0400% | 3,391 |
| Net operating income to assets | 2.2070% | 246 |
| Return on assets (ROA) | 2.2070% | 238 |
| Pretax return on assets | 2.2070% | 352 |
| Return on Equity (ROE) | 20.8419% | 209 |
| Retained earnings to average equity (ytd only) | 13.8906% | 167 |
| Net charge-offs to loans | -0.0365% | 4,876 |
| Credit loss provision to net charge-offs | -154.3210% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0656% | 3,513 |
| Assets per employee ($millions) | 5.8720% | 1,614 |
| Cash dividends to net income (ytd only)* | 33.3526% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,840 |
| Loan loss allowance to noncurrent loans | 133.3541% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 1,881 |
| Noncurrent loans to loans | 0.7311% | 2,163 |
| Net loans and leases to total assets | 72.5424% | 2,170 |
| Net loans and leases to deposits | 83.6401% | 2,550 |
| Net loans and leases to core deposits | 88.4631% | 2,714 |
| Total domestic deposits to total assets | 86.7317% | 1,901 |
| Equity capital to assets | 11.0621% | 2,627 |
| Core capital (leverage) ratio | 11.0055% | 2,524 |
| Tier 1 risk-based capital ratio | 15.6524% | 2,552 |
| Total risk-based capital ratio | 16.6257% | 2,592 |
| Memoranda: | ||
| Average total assets | $312,861,600 | 2,074 |
| Average earning assets | $290,822,600 | 2,071 |
| Average equity | $33,130,400 | 2,150 |
| Average total loans | $221,906,600 | 2,007 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 769 |
| Cost of funding earning assets | 0.2533% | 4,768 |
| Net interest margin | 4.8395% | 347 |
| Noninterest income to average assets | 1.2152% | 649 |
| Noninterest expense to average assets | 3.5853% | 874 |
| Loan and lease loss provision to assets | 0.0527% | 2,926 |
| Net operating income to assets | 2.0804% | 322 |
| Return on assets (ROA) | 2.0804% | 320 |
| Pretax return on assets | 2.0804% | 510 |
| Return on Equity (ROE) | 19.8560% | 285 |
| Retained earnings to average equity (ytd only) | 19.8560% | 57 |
| Net charge-offs to loans | -0.0479% | 4,915 |
| Credit loss provision to net charge-offs | -156.2500% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6972% | 3,393 |
| Assets per employee ($millions) | 6.0942% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,955 |
| Loan loss allowance to noncurrent loans | 94.9401% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,045 |
| Noncurrent loans to loans | 1.0193% | 1,684 |
| Net loans and leases to total assets | 70.4266% | 2,577 |
| Net loans and leases to deposits | 81.0495% | 2,922 |
| Net loans and leases to core deposits | 85.5499% | 3,042 |
| Total domestic deposits to total assets | 86.8933% | 1,778 |
| Equity capital to assets | 10.6019% | 3,044 |
| Core capital (leverage) ratio | 10.9815% | 2,599 |
| Tier 1 risk-based capital ratio | 15.7211% | 2,561 |
| Total risk-based capital ratio | 16.6892% | 2,609 |
| Memoranda: | ||
| Average total assets | $316,208,750 | 2,077 |
| Average earning assets | $294,240,500 | 2,066 |
| Average equity | $33,131,000 | 2,155 |
| Average total loans | $222,537,250 | 2,011 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 850 |
| Cost of funding earning assets | 0.2482% | 4,753 |
| Net interest margin | 4.7389% | 402 |
| Noninterest income to average assets | 1.3641% | 516 |
| Noninterest expense to average assets | 3.5571% | 920 |
| Loan and lease loss provision to assets | 0.0786% | 2,334 |
| Net operating income to assets | 2.1351% | 287 |
| Return on assets (ROA) | 2.1351% | 282 |
| Pretax return on assets | 2.1351% | 449 |
| Return on Equity (ROE) | 20.4574% | 232 |
| Retained earnings to average equity (ytd only) | 20.4574% | 59 |
| Net charge-offs to loans | -0.0699% | 5,038 |
| Credit loss provision to net charge-offs | -160.2564% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6391% | 3,675 |
| Assets per employee ($millions) | 6.4128% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,060 |
| Loan loss allowance to noncurrent loans | 94.5575% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,118 |
| Noncurrent loans to loans | 1.0159% | 1,732 |
| Net loans and leases to total assets | 68.7150% | 2,762 |
| Net loans and leases to deposits | 78.2402% | 3,135 |
| Net loans and leases to core deposits | 82.0779% | 3,234 |
| Total domestic deposits to total assets | 87.8257% | 1,461 |
| Equity capital to assets | 9.8677% | 3,757 |
| Core capital (leverage) ratio | 10.1843% | 3,376 |
| Tier 1 risk-based capital ratio | 14.7238% | 3,012 |
| Total risk-based capital ratio | 15.6717% | 3,065 |
| Memoranda: | ||
| Average total assets | $318,010,670 | 2,075 |
| Average earning assets | $295,725,000 | 2,066 |
| Average equity | $33,191,000 | 2,159 |
| Average total loans | $223,040,670 | 2,007 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 1,201 |
| Cost of funding earning assets | 0.2514% | 4,700 |
| Net interest margin | 4.4931% | 628 |
| Noninterest income to average assets | 1.4487% | 450 |
| Noninterest expense to average assets | 3.5226% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1017% | 293 |
| Return on assets (ROA) | 2.1017% | 293 |
| Pretax return on assets | 2.1017% | 463 |
| Return on Equity (ROE) | 19.5958% | 280 |
| Retained earnings to average equity (ytd only) | 19.5958% | 109 |
| Net charge-offs to loans | -0.1630% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6319% | 3,681 |
| Assets per employee ($millions) | 6.3443% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,426 |
| Loan loss allowance to noncurrent loans | 538.5638% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,513 |
| Noncurrent loans to loans | 0.1680% | 4,222 |
| Net loans and leases to total assets | 68.5361% | 2,692 |
| Net loans and leases to deposits | 78.6122% | 2,949 |
| Net loans and leases to core deposits | 82.3140% | 3,116 |
| Total domestic deposits to total assets | 87.1825% | 2,054 |
| Equity capital to assets | 10.6642% | 2,904 |
| Core capital (leverage) ratio | 11.1929% | 2,253 |
| Tier 1 risk-based capital ratio | 16.0324% | 2,456 |
| Total risk-based capital ratio | 16.9352% | 2,546 |
| Memoranda: | ||
| Average total assets | $316,695,000 | 2,093 |
| Average earning assets | $294,316,000 | 2,099 |
| Average equity | $33,966,500 | 2,144 |
| Average total loans | $223,328,000 | 2,010 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 1,481 |
| Cost of funding earning assets | 0.2395% | 4,652 |
| Net interest margin | 4.3438% | 871 |
| Noninterest income to average assets | 1.5598% | 433 |
| Noninterest expense to average assets | 3.3699% | 1,253 |
| Loan and lease loss provision to assets | -0.0706% | 5,431 |
| Net operating income to assets | 2.3004% | 160 |
| Return on assets (ROA) | 2.3004% | 160 |
| Pretax return on assets | 2.3004% | 263 |
| Return on Equity (ROE) | 21.2065% | 157 |
| Retained earnings to average equity (ytd only) | 0.1706% | 4,947 |
| Net charge-offs to loans | -0.0054% | 4,656 |
| Credit loss provision to net charge-offs | 1,875.0000% | 201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1793% | 4,236 |
| Assets per employee ($millions) | 6.1966% | 1,386 |
| Cash dividends to net income (ytd only)* | 99.1954% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,601 |
| Loan loss allowance to noncurrent loans | 514.3617% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,525 |
| Noncurrent loans to loans | 0.1687% | 4,247 |
| Net loans and leases to total assets | 71.3106% | 2,338 |
| Net loans and leases to deposits | 81.8832% | 2,729 |
| Net loans and leases to core deposits | 86.9310% | 2,831 |
| Total domestic deposits to total assets | 87.0882% | 1,950 |
| Equity capital to assets | 10.7891% | 2,850 |
| Core capital (leverage) ratio | 10.6983% | 2,650 |
| Tier 1 risk-based capital ratio | 15.5060% | 2,625 |
| Total risk-based capital ratio | 16.3803% | 2,715 |
| Memoranda: | ||
| Average total assets | $318,764,800 | 2,072 |
| Average earning assets | $296,470,200 | 2,060 |
| Average equity | $34,579,000 | 2,106 |
| Average total loans | $223,437,000 | 1,978 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,660 |
| Cost of funding earning assets | 0.2353% | 4,700 |
| Net interest margin | 4.2595% | 1,027 |
| Noninterest income to average assets | 1.5049% | 475 |
| Noninterest expense to average assets | 3.2311% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2367% | 200 |
| Return on assets (ROA) | 2.2367% | 200 |
| Pretax return on assets | 2.2367% | 331 |
| Return on Equity (ROE) | 20.5922% | 196 |
| Retained earnings to average equity (ytd only) | 8.2292% | 1,121 |
| Net charge-offs to loans | -0.0066% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0930% | 4,339 |
| Assets per employee ($millions) | 6.4564% | 1,214 |
| Cash dividends to net income (ytd only)* | 60.0372% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,259 |
| Loan loss allowance to noncurrent loans | 573.9362% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,649 |
| Noncurrent loans to loans | 0.1682% | 4,390 |
| Net loans and leases to total assets | 69.9755% | 2,558 |
| Net loans and leases to deposits | 81.1217% | 2,863 |
| Net loans and leases to core deposits | 85.7018% | 2,993 |
| Total domestic deposits to total assets | 86.2599% | 2,204 |
| Equity capital to assets | 11.3126% | 2,561 |
| Core capital (leverage) ratio | 11.2132% | 2,260 |
| Tier 1 risk-based capital ratio | 16.6094% | 2,284 |
| Total risk-based capital ratio | 17.5943% | 2,320 |
| Memoranda: | ||
| Average total assets | $320,998,000 | 2,074 |
| Average earning assets | $298,649,500 | 2,063 |
| Average equity | $34,866,750 | 2,093 |
| Average total loans | $223,577,000 | 1,981 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 1,749 |
| Cost of funding earning assets | 0.2344% | 4,688 |
| Net interest margin | 4.1873% | 1,102 |
| Noninterest income to average assets | 1.3022% | 613 |
| Noninterest expense to average assets | 3.1816% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0190% | 299 |
| Return on assets (ROA) | 2.0190% | 307 |
| Pretax return on assets | 2.0190% | 513 |
| Return on Equity (ROE) | 18.8430% | 271 |
| Retained earnings to average equity (ytd only) | 10.6599% | 487 |
| Net charge-offs to loans | -0.0063% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1780% | 4,137 |
| Assets per employee ($millions) | 6.7352% | 1,043 |
| Cash dividends to net income (ytd only)* | 43.4275% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 4,257 |
| Loan loss allowance to noncurrent loans | 275.4476% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 4,172 |
| Noncurrent loans to loans | 0.3566% | 3,751 |
| Net loans and leases to total assets | 67.1601% | 2,926 |
| Net loans and leases to deposits | 77.3342% | 3,180 |
| Net loans and leases to core deposits | 81.4094% | 3,303 |
| Total domestic deposits to total assets | 86.8440% | 2,018 |
| Equity capital to assets | 10.9892% | 2,817 |
| Core capital (leverage) ratio | 11.0184% | 2,385 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,277 |
| Total risk-based capital ratio | 17.5964% | 2,320 |
| Memoranda: | ||
| Average total assets | $322,542,330 | 2,068 |
| Average earning assets | $300,291,670 | 2,054 |
| Average equity | $34,559,330 | 2,103 |
| Average total loans | $223,590,670 | 1,984 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 1,721 |
| Cost of funding earning assets | 0.2358% | 4,674 |
| Net interest margin | 4.1420% | 1,116 |
| Noninterest income to average assets | 1.1212% | 790 |
| Noninterest expense to average assets | 3.2132% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7680% | 476 |
| Return on assets (ROA) | 1.7680% | 486 |
| Pretax return on assets | 1.7680% | 864 |
| Return on Equity (ROE) | 16.7158% | 441 |
| Retained earnings to average equity (ytd only) | 16.7158% | 175 |
| Net charge-offs to loans | -0.0089% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5065% | 3,757 |
| Assets per employee ($millions) | 6.7224% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,530 |
| Loan loss allowance to noncurrent loans | 275.1918% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,896 |
| Noncurrent loans to loans | 0.3463% | 3,859 |
| Net loans and leases to total assets | 67.9076% | 2,699 |
| Net loans and leases to deposits | 77.7301% | 3,010 |
| Net loans and leases to core deposits | 82.0081% | 3,096 |
| Total domestic deposits to total assets | 87.3633% | 2,045 |
| Equity capital to assets | 10.5878% | 3,078 |
| Core capital (leverage) ratio | 11.0316% | 2,331 |
| Tier 1 risk-based capital ratio | 16.1492% | 2,485 |
| Total risk-based capital ratio | 17.1236% | 2,547 |
| Memoranda: | ||
| Average total assets | $322,168,500 | 2,085 |
| Average earning assets | $300,242,000 | 2,069 |
| Average equity | $34,075,500 | 2,147 |
| Average total loans | $225,748,000 | 1,980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 1,526 |
| Cost of funding earning assets | 0.2635% | 4,432 |
| Net interest margin | 4.2399% | 1,034 |
| Noninterest income to average assets | 1.2407% | 736 |
| Noninterest expense to average assets | 3.4032% | 1,350 |
| Loan and lease loss provision to assets | -0.1303% | 5,724 |
| Net operating income to assets | 1.9084% | 378 |
| Return on assets (ROA) | 1.9084% | 388 |
| Pretax return on assets | 1.9084% | 611 |
| Return on Equity (ROE) | 17.1662% | 391 |
| Retained earnings to average equity (ytd only) | 0.1476% | 5,258 |
| Net charge-offs to loans | -0.0985% | 5,589 |
| Credit loss provision to net charge-offs | 180.8036% | 1,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6834% | 3,646 |
| Assets per employee ($millions) | 6.9986% | 925 |
| Cash dividends to net income (ytd only)* | 99.1401% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,533 |
| Loan loss allowance to noncurrent loans | 575.5319% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,470 |
| Noncurrent loans to loans | 0.1666% | 4,565 |
| Net loans and leases to total assets | 70.9641% | 2,338 |
| Net loans and leases to deposits | 81.2368% | 2,760 |
| Net loans and leases to core deposits | 86.1182% | 2,836 |
| Total domestic deposits to total assets | 87.3547% | 1,953 |
| Equity capital to assets | 10.5656% | 3,083 |
| Core capital (leverage) ratio | 10.6950% | 2,665 |
| Tier 1 risk-based capital ratio | 15.3740% | 2,804 |
| Total risk-based capital ratio | 16.3456% | 2,857 |
| Memoranda: | ||
| Average total assets | $310,791,600 | 2,110 |
| Average earning assets | $288,849,800 | 2,110 |
| Average equity | $34,550,400 | 2,107 |
| Average total loans | $227,327,800 | 1,930 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 1,584 |
| Cost of funding earning assets | 0.2640% | 4,463 |
| Net interest margin | 4.2233% | 1,072 |
| Noninterest income to average assets | 1.2194% | 777 |
| Noninterest expense to average assets | 3.3974% | 1,344 |
| Loan and lease loss provision to assets | -0.0646% | 5,744 |
| Net operating income to assets | 1.8117% | 473 |
| Return on assets (ROA) | 1.8117% | 502 |
| Pretax return on assets | 1.8117% | 878 |
| Return on Equity (ROE) | 16.0940% | 535 |
| Retained earnings to average equity (ytd only) | 6.9018% | 1,676 |
| Net charge-offs to loans | -0.0989% | 5,568 |
| Credit loss provision to net charge-offs | 88.7574% | 2,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0392% | 3,586 |
| Assets per employee ($millions) | 6.6533% | 1,018 |
| Cash dividends to net income (ytd only)* | 57.1156% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 4,253 |
| Loan loss allowance to noncurrent loans | 823.6934% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,067 |
| Noncurrent loans to loans | 0.1250% | 4,841 |
| Net loans and leases to total assets | 74.2767% | 1,820 |
| Net loans and leases to deposits | 86.5394% | 2,205 |
| Net loans and leases to core deposits | 91.8059% | 2,405 |
| Total domestic deposits to total assets | 85.8299% | 2,441 |
| Equity capital to assets | 11.7382% | 2,311 |
| Core capital (leverage) ratio | 11.2578% | 2,228 |
| Tier 1 risk-based capital ratio | 16.0495% | 2,601 |
| Total risk-based capital ratio | 17.1035% | 2,623 |
| Memoranda: | ||
| Average total assets | $309,755,000 | 2,119 |
| Average earning assets | $287,888,500 | 2,122 |
| Average equity | $34,869,250 | 2,094 |
| Average total loans | $227,745,500 | 1,924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 1,875 |
| Cost of funding earning assets | 0.2575% | 4,575 |
| Net interest margin | 4.1258% | 1,309 |
| Noninterest income to average assets | 1.2123% | 766 |
| Noninterest expense to average assets | 3.4805% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5647% | 783 |
| Return on assets (ROA) | 1.5647% | 823 |
| Pretax return on assets | 1.5647% | 1,477 |
| Return on Equity (ROE) | 14.0973% | 815 |
| Retained earnings to average equity (ytd only) | 6.4895% | 1,878 |
| Net charge-offs to loans | -0.1022% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9866% | 3,153 |
| Assets per employee ($millions) | 7.2380% | 789 |
| Cash dividends to net income (ytd only)* | 53.9663% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,101 |
| Loan loss allowance to noncurrent loans | 857.4913% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,175 |
| Noncurrent loans to loans | 0.1249% | 4,940 |
| Net loans and leases to total assets | 69.7680% | 2,514 |
| Net loans and leases to deposits | 80.1312% | 2,916 |
| Net loans and leases to core deposits | 84.6202% | 3,024 |
| Total domestic deposits to total assets | 87.0673% | 1,885 |
| Equity capital to assets | 10.7556% | 3,339 |
| Core capital (leverage) ratio | 11.2247% | 2,210 |
| Tier 1 risk-based capital ratio | 15.7572% | 2,759 |
| Total risk-based capital ratio | 16.8554% | 2,763 |
| Memoranda: | ||
| Average total assets | $310,989,000 | 2,120 |
| Average earning assets | $288,915,670 | 2,118 |
| Average equity | $34,517,330 | 2,119 |
| Average total loans | $227,097,330 | 1,936 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,692 |
| Cost of funding earning assets | 0.2526% | 4,676 |
| Net interest margin | 4.1848% | 1,131 |
| Noninterest income to average assets | 1.2054% | 751 |
| Noninterest expense to average assets | 3.2342% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8562% | 434 |
| Return on assets (ROA) | 1.8562% | 463 |
| Pretax return on assets | 1.8562% | 762 |
| Return on Equity (ROE) | 16.4507% | 491 |
| Retained earnings to average equity (ytd only) | 16.4507% | 174 |
| Net charge-offs to loans | -0.1045% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5352% | 4,206 |
| Assets per employee ($millions) | 6.7292% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,373 |
| Loan loss allowance to noncurrent loans | 837.6307% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,211 |
| Noncurrent loans to loans | 0.1245% | 4,976 |
| Net loans and leases to total assets | 73.6927% | 1,779 |
| Net loans and leases to deposits | 85.2811% | 2,155 |
| Net loans and leases to core deposits | 88.8158% | 2,478 |
| Total domestic deposits to total assets | 86.4115% | 2,489 |
| Equity capital to assets | 11.3661% | 2,561 |
| Core capital (leverage) ratio | 11.6770% | 1,845 |
| Tier 1 risk-based capital ratio | 14.7138% | 3,281 |
| Total risk-based capital ratio | 15.7073% | 3,353 |
| Memoranda: | ||
| Average total assets | $303,629,500 | 2,163 |
| Average earning assets | $281,878,500 | 2,168 |
| Average equity | $34,260,000 | 2,127 |
| Average total loans | $225,795,500 | 1,944 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,189 |
| Cost of funding earning assets | 0.1997% | 5,289 |
| Net interest margin | 4.4639% | 703 |
| Noninterest income to average assets | 1.2381% | 782 |
| Noninterest expense to average assets | 3.3671% | 1,555 |
| Loan and lease loss provision to assets | -0.2555% | 6,031 |
| Net operating income to assets | 2.2669% | 221 |
| Return on assets (ROA) | 2.2669% | 226 |
| Pretax return on assets | 2.2669% | 305 |
| Return on Equity (ROE) | 20.4356% | 226 |
| Retained earnings to average equity (ytd only) | 0.3516% | 5,375 |
| Net charge-offs to loans | -0.1854% | 5,944 |
| Credit loss provision to net charge-offs | 187.5895% | 1,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6035% | 4,515 |
| Assets per employee ($millions) | 6.4721% | 1,111 |
| Cash dividends to net income (ytd only)* | 98.2793% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,256 |
| Loan loss allowance to noncurrent loans | 817.0732% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,234 |
| Noncurrent loans to loans | 0.1298% | 4,971 |
| Net loans and leases to total assets | 73.4698% | 1,813 |
| Net loans and leases to deposits | 84.7979% | 2,269 |
| Net loans and leases to core deposits | 87.2945% | 2,672 |
| Total domestic deposits to total assets | 86.6410% | 2,303 |
| Equity capital to assets | 11.1975% | 2,633 |
| Core capital (leverage) ratio | 11.5334% | 1,936 |
| Tier 1 risk-based capital ratio | 14.5738% | 3,402 |
| Total risk-based capital ratio | 15.5734% | 3,451 |
| Memoranda: | ||
| Average total assets | $307,651,400 | 2,108 |
| Average earning assets | $285,358,200 | 2,102 |
| Average equity | $34,126,800 | 2,086 |
| Average total loans | $226,017,000 | 1,887 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,100 |
| Cost of funding earning assets | 0.1989% | 5,384 |
| Net interest margin | 4.5029% | 644 |
| Noninterest income to average assets | 1.1470% | 908 |
| Noninterest expense to average assets | 3.2501% | 1,826 |
| Loan and lease loss provision to assets | -0.1767% | 6,080 |
| Net operating income to assets | 2.2497% | 235 |
| Return on assets (ROA) | 2.2497% | 247 |
| Pretax return on assets | 2.2497% | 368 |
| Return on Equity (ROE) | 20.3272% | 258 |
| Retained earnings to average equity (ytd only) | 5.4770% | 2,590 |
| Net charge-offs to loans | -0.2141% | 6,008 |
| Credit loss provision to net charge-offs | 112.6027% | 2,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0564% | 4,721 |
| Assets per employee ($millions) | 6.5349% | 1,057 |
| Cash dividends to net income (ytd only)* | 73.0557% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,682 |
| Loan loss allowance to noncurrent loans | 2,666.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,650 |
| Noncurrent loans to loans | 0.0449% | 5,439 |
| Net loans and leases to total assets | 76.6080% | 1,304 |
| Net loans and leases to deposits | 87.9987% | 1,900 |
| Net loans and leases to core deposits | 90.5341% | 2,409 |
| Total domestic deposits to total assets | 87.0558% | 2,008 |
| Equity capital to assets | 12.0793% | 2,048 |
| Core capital (leverage) ratio | 11.5715% | 1,983 |
| Tier 1 risk-based capital ratio | 14.8838% | 3,351 |
| Total risk-based capital ratio | 16.0021% | 3,362 |
| Memoranda: | ||
| Average total assets | $310,135,000 | 2,105 |
| Average earning assets | $287,630,000 | 2,099 |
| Average equity | $34,324,250 | 2,087 |
| Average total loans | $227,252,000 | 1,889 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7331% | 1,012 |
| Cost of funding earning assets | 0.1996% | 5,438 |
| Net interest margin | 4.5335% | 595 |
| Noninterest income to average assets | 1.1855% | 864 |
| Noninterest expense to average assets | 3.1290% | 2,168 |
| Loan and lease loss provision to assets | -0.1845% | 6,170 |
| Net operating income to assets | 2.4453% | 181 |
| Return on assets (ROA) | 2.4453% | 190 |
| Pretax return on assets | 2.4453% | 267 |
| Return on Equity (ROE) | 22.7212% | 172 |
| Retained earnings to average equity (ytd only) | 12.1445% | 378 |
| Net charge-offs to loans | -0.2694% | 6,097 |
| Credit loss provision to net charge-offs | 95.1299% | 2,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0540% | 5,216 |
| Assets per employee ($millions) | 6.6386% | 990 |
| Cash dividends to net income (ytd only)* | 46.5499% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 3,494 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.9238% | 2,172 |
| Net loans and leases to deposits | 80.2560% | 2,753 |
| Net loans and leases to core deposits | 82.0202% | 3,169 |
| Total domestic deposits to total assets | 88.3720% | 1,454 |
| Equity capital to assets | 10.9367% | 2,954 |
| Core capital (leverage) ratio | 11.1814% | 2,262 |
| Tier 1 risk-based capital ratio | 14.6811% | 3,538 |
| Total risk-based capital ratio | 15.7925% | 3,541 |
| Memoranda: | ||
| Average total assets | $317,668,670 | 2,088 |
| Average earning assets | $294,608,000 | 2,074 |
| Average equity | $34,188,330 | 2,107 |
| Average total loans | $228,689,330 | 1,893 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 859 |
| Cost of funding earning assets | 0.2038% | 5,478 |
| Net interest margin | 4.5982% | 498 |
| Noninterest income to average assets | 0.8588% | 1,532 |
| Noninterest expense to average assets | 3.1175% | 2,214 |
| Loan and lease loss provision to assets | -0.2838% | 6,303 |
| Net operating income to assets | 2.2940% | 202 |
| Return on assets (ROA) | 2.2940% | 215 |
| Pretax return on assets | 2.2940% | 329 |
| Return on Equity (ROE) | 21.4901% | 208 |
| Retained earnings to average equity (ytd only) | 21.4901% | 76 |
| Net charge-offs to loans | -0.4321% | 6,217 |
| Credit loss provision to net charge-offs | 91.0931% | 1,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7969% | 4,990 |
| Assets per employee ($millions) | 6.5854% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,064 |
| Loan loss allowance to noncurrent loans | 152.9938% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 3,870 |
| Noncurrent loans to loans | 0.7735% | 3,319 |
| Net loans and leases to total assets | 69.3336% | 2,231 |
| Net loans and leases to deposits | 78.0303% | 2,800 |
| Net loans and leases to core deposits | 80.3629% | 3,120 |
| Total domestic deposits to total assets | 88.8547% | 1,359 |
| Equity capital to assets | 10.6017% | 3,422 |
| Core capital (leverage) ratio | 11.4838% | 2,008 |
| Tier 1 risk-based capital ratio | 14.7050% | 3,606 |
| Total risk-based capital ratio | 15.8370% | 3,601 |
| Memoranda: | ||
| Average total assets | $317,177,000 | 2,099 |
| Average earning assets | $294,464,000 | 2,087 |
| Average equity | $33,857,500 | 2,130 |
| Average total loans | $228,670,500 | 1,885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,114 |
| Cost of funding earning assets | 0.2665% | 5,141 |
| Net interest margin | 3.8850% | 2,299 |
| Noninterest income to average assets | 1.2691% | 749 |
| Noninterest expense to average assets | 3.2130% | 2,177 |
| Loan and lease loss provision to assets | -0.2927% | 6,365 |
| Net operating income to assets | 1.9448% | 361 |
| Return on assets (ROA) | 1.9448% | 372 |
| Pretax return on assets | 1.9448% | 565 |
| Return on Equity (ROE) | 19.7972% | 263 |
| Retained earnings to average equity (ytd only) | 0.1833% | 5,695 |
| Net charge-offs to loans | 0.4182% | 1,017 |
| Credit loss provision to net charge-offs | -97.6395% | 5,518 |
| Earnings coverage of net charge-offs (x) | 5.5118% | 3,403 |
| Efficiency ratio | 66.0409% | 4,240 |
| Assets per employee ($millions) | 6.6323% | 989 |
| Cash dividends to net income (ytd only)* | 99.0739% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,011 |
| Loan loss allowance to noncurrent loans | 81.6867% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 2,075 |
| Noncurrent loans to loans | 1.4670% | 2,001 |
| Net loans and leases to total assets | 73.2914% | 1,708 |
| Net loans and leases to deposits | 82.5788% | 2,397 |
| Net loans and leases to core deposits | 85.5810% | 2,727 |
| Total domestic deposits to total assets | 88.7533% | 1,386 |
| Equity capital to assets | 10.7534% | 3,176 |
| Core capital (leverage) ratio | 10.7940% | 2,617 |
| Tier 1 risk-based capital ratio | 13.8816% | 4,182 |
| Total risk-based capital ratio | 15.0055% | 4,201 |
| Memoranda: | ||
| Average total assets | $310,924,400 | 2,090 |
| Average earning assets | $287,796,800 | 2,076 |
| Average equity | $30,544,800 | 2,242 |
| Average total loans | $222,841,600 | 1,881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 3,280 |
| Cost of funding earning assets | 0.2781% | 5,120 |
| Net interest margin | 3.8459% | 2,450 |
| Noninterest income to average assets | 1.0175% | 1,183 |
| Noninterest expense to average assets | 3.1260% | 2,396 |
| Loan and lease loss provision to assets | -0.3116% | 6,470 |
| Net operating income to assets | 1.7627% | 543 |
| Return on assets (ROA) | 1.7627% | 564 |
| Pretax return on assets | 1.7627% | 959 |
| Return on Equity (ROE) | 18.3678% | 409 |
| Retained earnings to average equity (ytd only) | 13.9293% | 257 |
| Net charge-offs to loans | 0.6421% | 560 |
| Credit loss provision to net charge-offs | -68.2881% | 5,386 |
| Earnings coverage of net charge-offs (x) | 3.1805% | 3,711 |
| Efficiency ratio | 68.2954% | 3,807 |
| Assets per employee ($millions) | 7.0120% | 803 |
| Cash dividends to net income (ytd only)* | 24.1646% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 3,802 |
| Loan loss allowance to noncurrent loans | 82.9019% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 2,410 |
| Noncurrent loans to loans | 1.5335% | 2,111 |
| Net loans and leases to total assets | 66.3062% | 2,803 |
| Net loans and leases to deposits | 75.1068% | 3,296 |
| Net loans and leases to core deposits | 77.9960% | 3,537 |
| Total domestic deposits to total assets | 88.2825% | 1,613 |
| Equity capital to assets | 10.9744% | 2,984 |
| Core capital (leverage) ratio | 11.8329% | 1,808 |
| Tier 1 risk-based capital ratio | 16.0208% | 3,047 |
| Total risk-based capital ratio | 17.2288% | 3,017 |
| Memoranda: | ||
| Average total assets | $312,384,250 | 2,091 |
| Average earning assets | $289,134,750 | 2,090 |
| Average equity | $29,979,250 | 2,289 |
| Average total loans | $221,973,750 | 1,898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 3,073 |
| Cost of funding earning assets | 0.2925% | 5,038 |
| Net interest margin | 3.8766% | 2,269 |
| Noninterest income to average assets | 0.9359% | 1,377 |
| Noninterest expense to average assets | 3.1276% | 2,403 |
| Loan and lease loss provision to assets | -0.3560% | 6,549 |
| Net operating income to assets | 1.7495% | 538 |
| Return on assets (ROA) | 1.7495% | 563 |
| Pretax return on assets | 1.7495% | 930 |
| Return on Equity (ROE) | 19.1886% | 348 |
| Retained earnings to average equity (ytd only) | 12.1038% | 416 |
| Net charge-offs to loans | 1.0091% | 354 |
| Credit loss provision to net charge-offs | -48.7157% | 5,162 |
| Earnings coverage of net charge-offs (x) | 1.9070% | 3,689 |
| Efficiency ratio | 69.1768% | 3,804 |
| Assets per employee ($millions) | 6.3601% | 1,085 |
| Cash dividends to net income (ytd only)* | 36.9219% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 3,928 |
| Loan loss allowance to noncurrent loans | 96.5413% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 2,661 |
| Noncurrent loans to loans | 1.3327% | 2,584 |
| Net loans and leases to total assets | 70.7809% | 1,954 |
| Net loans and leases to deposits | 78.7880% | 2,694 |
| Net loans and leases to core deposits | 82.9311% | 2,862 |
| Total domestic deposits to total assets | 89.8372% | 886 |
| Equity capital to assets | 9.5179% | 4,728 |
| Core capital (leverage) ratio | 10.0508% | 3,535 |
| Tier 1 risk-based capital ratio | 13.1596% | 4,812 |
| Total risk-based capital ratio | 14.3872% | 4,758 |
| Memoranda: | ||
| Average total assets | $308,995,000 | 2,109 |
| Average earning assets | $285,764,670 | 2,100 |
| Average equity | $28,173,000 | 2,399 |
| Average total loans | $223,756,330 | 1,874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,877 |
| Cost of funding earning assets | 0.3145% | 4,922 |
| Net interest margin | 3.8854% | 2,137 |
| Noninterest income to average assets | 0.9270% | 1,313 |
| Noninterest expense to average assets | 3.1254% | 2,458 |
| Loan and lease loss provision to assets | -0.5850% | 6,674 |
| Net operating income to assets | 1.9839% | 349 |
| Return on assets (ROA) | 1.9839% | 362 |
| Pretax return on assets | 1.9839% | 548 |
| Return on Equity (ROE) | 22.2542% | 186 |
| Retained earnings to average equity (ytd only) | 7.7000% | 1,726 |
| Net charge-offs to loans | -0.0786% | 6,023 |
| Credit loss provision to net charge-offs | 1,022.7273% | 300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0805% | 3,987 |
| Assets per employee ($millions) | 6.7245% | 913 |
| Cash dividends to net income (ytd only)* | 65.3997% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,829 |
| Loan loss allowance to noncurrent loans | 203.8329% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 3,432 |
| Noncurrent loans to loans | 0.9191% | 3,584 |
| Net loans and leases to total assets | 70.2370% | 1,845 |
| Net loans and leases to deposits | 77.6765% | 2,608 |
| Net loans and leases to core deposits | 81.8433% | 2,754 |
| Total domestic deposits to total assets | 90.4224% | 847 |
| Equity capital to assets | 9.0260% | 5,091 |
| Core capital (leverage) ratio | 9.5901% | 4,149 |
| Tier 1 risk-based capital ratio | 12.6945% | 5,190 |
| Total risk-based capital ratio | 13.9460% | 5,127 |
| Memoranda: | ||
| Average total assets | $307,670,000 | 2,127 |
| Average earning assets | $284,859,000 | 2,111 |
| Average equity | $27,428,500 | 2,443 |
| Average total loans | $223,904,500 | 1,873 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 4,001 |
| Cost of funding earning assets | 0.4266% | 4,362 |
| Net interest margin | 3.5989% | 3,474 |
| Noninterest income to average assets | 1.1974% | 984 |
| Noninterest expense to average assets | 2.9708% | 3,130 |
| Loan and lease loss provision to assets | -0.2488% | 6,640 |
| Net operating income to assets | 1.8758% | 418 |
| Return on assets (ROA) | 1.8758% | 425 |
| Pretax return on assets | 1.8758% | 635 |
| Return on Equity (ROE) | 20.7572% | 249 |
| Retained earnings to average equity (ytd only) | 0.4891% | 5,621 |
| Net charge-offs to loans | -0.1204% | 6,522 |
| Credit loss provision to net charge-offs | 288.9734% | 785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6133% | 4,797 |
| Assets per employee ($millions) | 6.6525% | 924 |
| Cash dividends to net income (ytd only)* | 97.6436% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 1,519 |
| Loan loss allowance to noncurrent loans | 220.7465% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 3,556 |
| Noncurrent loans to loans | 0.9112% | 3,705 |
| Net loans and leases to total assets | 72.4953% | 1,598 |
| Net loans and leases to deposits | 79.8987% | 2,473 |
| Net loans and leases to core deposits | 84.7856% | 2,581 |
| Total domestic deposits to total assets | 90.7341% | 693 |
| Equity capital to assets | 8.8026% | 5,250 |
| Core capital (leverage) ratio | 9.5578% | 4,181 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,418 |
| Total risk-based capital ratio | 13.5772% | 5,338 |
| Memoranda: | ||
| Average total assets | $305,409,800 | 2,113 |
| Average earning assets | $288,563,200 | 2,056 |
| Average equity | $27,600,000 | 2,412 |
| Average total loans | $218,374,600 | 1,876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 4,302 |
| Cost of funding earning assets | 0.4498% | 4,279 |
| Net interest margin | 3.5048% | 3,864 |
| Noninterest income to average assets | 0.8504% | 1,933 |
| Noninterest expense to average assets | 2.8329% | 3,547 |
| Loan and lease loss provision to assets | -0.2228% | 6,735 |
| Net operating income to assets | 1.5654% | 800 |
| Return on assets (ROA) | 1.5654% | 849 |
| Pretax return on assets | 1.5654% | 1,426 |
| Return on Equity (ROE) | 17.2102% | 519 |
| Retained earnings to average equity (ytd only) | 4.7203% | 3,293 |
| Net charge-offs to loans | -0.1442% | 6,583 |
| Credit loss provision to net charge-offs | 217.9487% | 1,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8452% | 4,126 |
| Assets per employee ($millions) | 6.6055% | 893 |
| Cash dividends to net income (ytd only)* | 72.5724% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1704% | 1,380 |
| Loan loss allowance to noncurrent loans | 210.3524% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 3,579 |
| Noncurrent loans to loans | 1.0318% | 3,739 |
| Net loans and leases to total assets | 72.4089% | 1,542 |
| Net loans and leases to deposits | 81.2866% | 2,230 |
| Net loans and leases to core deposits | 86.8303% | 2,304 |
| Total domestic deposits to total assets | 89.0785% | 1,516 |
| Equity capital to assets | 9.3965% | 4,677 |
| Core capital (leverage) ratio | 10.0210% | 3,655 |
| Tier 1 risk-based capital ratio | 13.4163% | 4,822 |
| Total risk-based capital ratio | 15.7954% | 3,999 |
| Memoranda: | ||
| Average total assets | $305,259,000 | 2,119 |
| Average earning assets | $289,613,750 | 2,054 |
| Average equity | $27,765,750 | 2,428 |
| Average total loans | $216,368,500 | 1,891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,553 |
| Cost of funding earning assets | 0.4654% | 4,257 |
| Net interest margin | 3.4133% | 4,147 |
| Noninterest income to average assets | 0.9626% | 1,623 |
| Noninterest expense to average assets | 2.7753% | 3,764 |
| Loan and lease loss provision to assets | -0.3312% | 6,838 |
| Net operating income to assets | 1.7621% | 553 |
| Return on assets (ROA) | 1.7621% | 599 |
| Pretax return on assets | 1.7621% | 996 |
| Return on Equity (ROE) | 19.5809% | 341 |
| Retained earnings to average equity (ytd only) | 0.8084% | 5,572 |
| Net charge-offs to loans | -0.1878% | 6,645 |
| Credit loss provision to net charge-offs | 252.4752% | 988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9821% | 4,548 |
| Assets per employee ($millions) | 6.8515% | 769 |
| Cash dividends to net income (ytd only)* | 95.8717% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,386 |
| Loan loss allowance to noncurrent loans | 206.3534% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 3,691 |
| Noncurrent loans to loans | 1.0759% | 3,773 |
| Net loans and leases to total assets | 69.2767% | 2,023 |
| Net loans and leases to deposits | 77.2597% | 2,685 |
| Net loans and leases to core deposits | 81.0634% | 2,905 |
| Total domestic deposits to total assets | 89.6672% | 1,225 |
| Equity capital to assets | 8.9167% | 5,306 |
| Core capital (leverage) ratio | 9.5896% | 4,096 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,946 |
| Total risk-based capital ratio | 15.6591% | 4,118 |
| Memoranda: | ||
| Average total assets | $307,929,330 | 2,100 |
| Average earning assets | $292,621,330 | 2,030 |
| Average equity | $27,710,670 | 2,440 |
| Average total loans | $215,155,000 | 1,903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 4,821 |
| Cost of funding earning assets | 0.4739% | 4,337 |
| Net interest margin | 3.3269% | 4,413 |
| Noninterest income to average assets | 0.6325% | 2,963 |
| Noninterest expense to average assets | 2.7600% | 3,829 |
| Loan and lease loss provision to assets | -0.6556% | 6,974 |
| Net operating income to assets | 1.6956% | 591 |
| Return on assets (ROA) | 1.6956% | 652 |
| Pretax return on assets | 1.6956% | 1,089 |
| Return on Equity (ROE) | 18.7588% | 377 |
| Retained earnings to average equity (ytd only) | -18.2326% | 6,810 |
| Net charge-offs to loans | -0.2890% | 6,770 |
| Credit loss provision to net charge-offs | 326.9231% | 742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6319% | 3,494 |
| Assets per employee ($millions) | 8.2823% | 438 |
| Cash dividends to net income (ytd only)* | 197.1948% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1884% | 1,608 |
| Loan loss allowance to noncurrent loans | 201.8917% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 4,086 |
| Noncurrent loans to loans | 1.0840% | 3,982 |
| Net loans and leases to total assets | 61.8084% | 3,103 |
| Net loans and leases to deposits | 68.0686% | 3,769 |
| Net loans and leases to core deposits | 71.6635% | 3,857 |
| Total domestic deposits to total assets | 90.8032% | 611 |
| Equity capital to assets | 8.0448% | 6,356 |
| Core capital (leverage) ratio | 9.3817% | 4,273 |
| Tier 1 risk-based capital ratio | 12.6359% | 5,482 |
| Total risk-based capital ratio | 15.0354% | 4,626 |
| Memoranda: | ||
| Average total assets | $311,160,000 | 2,113 |
| Average earning assets | $296,251,000 | 2,029 |
| Average equity | $28,125,500 | 2,430 |
| Average total loans | $215,938,000 | 1,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 4,313 |
| Cost of funding earning assets | 0.6225% | 4,159 |
| Net interest margin | 3.6492% | 3,881 |
| Noninterest income to average assets | 0.7146% | 2,642 |
| Noninterest expense to average assets | 2.9089% | 3,600 |
| Loan and lease loss provision to assets | -0.2930% | 7,010 |
| Net operating income to assets | 1.5460% | 839 |
| Return on assets (ROA) | 1.7704% | 603 |
| Pretax return on assets | 1.7704% | 975 |
| Return on Equity (ROE) | 19.2854% | 333 |
| Retained earnings to average equity (ytd only) | 19.2854% | 67 |
| Net charge-offs to loans | -0.0439% | 6,681 |
| Credit loss provision to net charge-offs | 894.7368% | 285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8940% | 3,839 |
| Assets per employee ($millions) | 6.8962% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 1,337 |
| Loan loss allowance to noncurrent loans | 223.6492% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 3,821 |
| Noncurrent loans to loans | 1.0391% | 4,133 |
| Net loans and leases to total assets | 75.0655% | 1,035 |
| Net loans and leases to deposits | 84.8487% | 1,654 |
| Net loans and leases to core deposits | 89.5639% | 1,884 |
| Total domestic deposits to total assets | 88.4698% | 1,913 |
| Equity capital to assets | 10.2329% | 3,850 |
| Core capital (leverage) ratio | 9.8308% | 3,625 |
| Tier 1 risk-based capital ratio | 13.2172% | 4,953 |
| Total risk-based capital ratio | 15.6135% | 4,078 |
| Memoranda: | ||
| Average total assets | $290,109,000 | 2,203 |
| Average earning assets | $274,063,800 | 2,137 |
| Average equity | $26,631,600 | 2,512 |
| Average total loans | $216,609,000 | 1,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 4,570 |
| Cost of funding earning assets | 0.6448% | 4,237 |
| Net interest margin | 3.6271% | 4,119 |
| Noninterest income to average assets | 0.5736% | 3,449 |
| Noninterest expense to average assets | 2.8931% | 3,626 |
| Loan and lease loss provision to assets | -0.3882% | 7,135 |
| Net operating income to assets | 1.4929% | 1,031 |
| Return on assets (ROA) | 1.7902% | 650 |
| Pretax return on assets | 1.7902% | 1,073 |
| Return on Equity (ROE) | 20.0587% | 326 |
| Retained earnings to average equity (ytd only) | 20.0587% | 86 |
| Net charge-offs to loans | -0.0542% | 6,732 |
| Credit loss provision to net charge-offs | 965.9091% | 297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3669% | 3,255 |
| Assets per employee ($millions) | 7.2089% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3442% | 1,444 |
| Loan loss allowance to noncurrent loans | 305.4512% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 4,608 |
| Noncurrent loans to loans | 0.7675% | 4,876 |
| Net loans and leases to total assets | 71.0787% | 1,712 |
| Net loans and leases to deposits | 79.8385% | 2,412 |
| Net loans and leases to core deposits | 84.9338% | 2,584 |
| Total domestic deposits to total assets | 89.0281% | 1,412 |
| Equity capital to assets | 9.4832% | 5,226 |
| Core capital (leverage) ratio | 9.3152% | 4,556 |
| Tier 1 risk-based capital ratio | 12.9341% | 5,302 |
| Total risk-based capital ratio | 15.3602% | 4,411 |
| Memoranda: | ||
| Average total assets | $291,950,000 | 2,217 |
| Average earning assets | $275,621,250 | 2,155 |
| Average equity | $26,056,250 | 2,586 |
| Average total loans | $216,437,750 | 1,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 4,753 |
| Cost of funding earning assets | 0.6807% | 4,178 |
| Net interest margin | 3.5718% | 4,379 |
| Noninterest income to average assets | 0.3061% | 5,364 |
| Noninterest expense to average assets | 2.6766% | 4,511 |
| Loan and lease loss provision to assets | -0.5159% | 7,204 |
| Net operating income to assets | 1.5134% | 969 |
| Return on assets (ROA) | 1.7273% | 717 |
| Pretax return on assets | 1.7273% | 1,192 |
| Return on Equity (ROE) | 19.7727% | 369 |
| Retained earnings to average equity (ytd only) | 19.7727% | 109 |
| Net charge-offs to loans | -0.0314% | 6,535 |
| Credit loss provision to net charge-offs | 2,205.8824% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8515% | 3,261 |
| Assets per employee ($millions) | 7.2993% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3164% | 1,563 |
| Loan loss allowance to noncurrent loans | 301.2433% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 4,569 |
| Noncurrent loans to loans | 0.7690% | 4,969 |
| Net loans and leases to total assets | 71.6942% | 1,608 |
| Net loans and leases to deposits | 79.7766% | 2,412 |
| Net loans and leases to core deposits | 84.1894% | 2,661 |
| Total domestic deposits to total assets | 89.8687% | 1,004 |
| Equity capital to assets | 8.9110% | 5,793 |
| Core capital (leverage) ratio | 9.2331% | 4,551 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,874 |
| Total risk-based capital ratio | 14.4882% | 4,984 |
| Memoranda: | ||
| Average total assets | $290,745,330 | 2,223 |
| Average earning assets | $274,149,000 | 2,162 |
| Average equity | $25,398,670 | 2,625 |
| Average total loans | $216,875,000 | 1,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 4,741 |
| Cost of funding earning assets | 0.7381% | 3,962 |
| Net interest margin | 3.5601% | 4,442 |
| Noninterest income to average assets | 0.3058% | 5,437 |
| Noninterest expense to average assets | 2.6668% | 4,556 |
| Loan and lease loss provision to assets | -0.4887% | 7,258 |
| Net operating income to assets | 1.4884% | 1,043 |
| Return on assets (ROA) | 1.4884% | 1,165 |
| Pretax return on assets | 1.4884% | 1,897 |
| Return on Equity (ROE) | 17.2185% | 637 |
| Retained earnings to average equity (ytd only) | 17.2185% | 296 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7342% | 3,303 |
| Assets per employee ($millions) | 7.2053% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5558% | 1,280 |
| Loan loss allowance to noncurrent loans | 317.8322% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 4,611 |
| Noncurrent loans to loans | 0.8041% | 5,069 |
| Net loans and leases to total assets | 72.1490% | 1,375 |
| Net loans and leases to deposits | 80.1985% | 2,177 |
| Net loans and leases to core deposits | 84.1479% | 2,528 |
| Total domestic deposits to total assets | 89.9629% | 1,106 |
| Equity capital to assets | 8.7724% | 5,788 |
| Core capital (leverage) ratio | 8.8164% | 5,113 |
| Tier 1 risk-based capital ratio | 11.9124% | 6,023 |
| Total risk-based capital ratio | 14.3714% | 5,089 |
| Memoranda: | ||
| Average total assets | $286,482,500 | 2,271 |
| Average earning assets | $270,439,500 | 2,197 |
| Average equity | $24,764,000 | 2,687 |
| Average total loans | $215,488,500 | 1,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 4,498 |
| Cost of funding earning assets | 0.9131% | 4,030 |
| Net interest margin | 3.7277% | 4,167 |
| Noninterest income to average assets | 0.3348% | 5,140 |
| Noninterest expense to average assets | 2.7367% | 4,600 |
| Loan and lease loss provision to assets | 0.5198% | 2,021 |
| Net operating income to assets | 0.5972% | 4,009 |
| Return on assets (ROA) | 0.7085% | 3,631 |
| Pretax return on assets | 0.7085% | 4,296 |
| Return on Equity (ROE) | 9.4710% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.4710% | 680 |
| Net charge-offs to loans | 1.2709% | 1,304 |
| Credit loss provision to net charge-offs | 52.3810% | 5,367 |
| Earnings coverage of net charge-offs (x) | 1.1256% | 4,946 |
| Efficiency ratio | 71.0149% | 3,780 |
| Assets per employee ($millions) | 7.4935% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6675% | 1,115 |
| Loan loss allowance to noncurrent loans | 333.3716% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 4,668 |
| Noncurrent loans to loans | 0.8002% | 5,090 |
| Net loans and leases to total assets | 74.3722% | 1,203 |
| Net loans and leases to deposits | 82.4170% | 2,140 |
| Net loans and leases to core deposits | 86.7054% | 2,542 |
| Total domestic deposits to total assets | 90.2389% | 858 |
| Equity capital to assets | 8.5144% | 6,133 |
| Core capital (leverage) ratio | 8.2086% | 5,983 |
| Tier 1 risk-based capital ratio | 11.1565% | 6,370 |
| Total risk-based capital ratio | 13.5904% | 5,558 |
| Memoranda: | ||
| Average total assets | $298,383,200 | 2,150 |
| Average earning assets | $281,677,400 | 2,081 |
| Average equity | $22,320,800 | 2,859 |
| Average total loans | $232,975,600 | 1,792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 4,514 |
| Cost of funding earning assets | 0.9273% | 4,218 |
| Net interest margin | 3.7606% | 4,057 |
| Noninterest income to average assets | 0.2465% | 5,857 |
| Noninterest expense to average assets | 2.7276% | 4,624 |
| Loan and lease loss provision to assets | 0.5615% | 1,748 |
| Net operating income to assets | 0.5067% | 4,524 |
| Return on assets (ROA) | 0.6534% | 4,023 |
| Pretax return on assets | 0.6534% | 4,632 |
| Return on Equity (ROE) | 9.0292% | 2,582 |
| Retained earnings to average equity (ytd only) | 9.0292% | 1,133 |
| Net charge-offs to loans | 1.2470% | 1,244 |
| Credit loss provision to net charge-offs | 57.3815% | 4,867 |
| Earnings coverage of net charge-offs (x) | 1.0916% | 4,813 |
| Efficiency ratio | 71.8575% | 3,578 |
| Assets per employee ($millions) | 7.5783% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7161% | 1,112 |
| Loan loss allowance to noncurrent loans | 86.7340% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.8152% | 2,306 |
| Noncurrent loans to loans | 3.1315% | 2,223 |
| Net loans and leases to total assets | 77.9850% | 710 |
| Net loans and leases to deposits | 87.8872% | 1,445 |
| Net loans and leases to core deposits | 93.7840% | 1,813 |
| Total domestic deposits to total assets | 88.7331% | 1,593 |
| Equity capital to assets | 8.2527% | 6,526 |
| Core capital (leverage) ratio | 8.0545% | 6,337 |
| Tier 1 risk-based capital ratio | 10.2301% | 6,881 |
| Total risk-based capital ratio | 12.5950% | 6,323 |
| Memoranda: | ||
| Average total assets | $301,790,750 | 2,131 |
| Average earning assets | $284,842,750 | 2,065 |
| Average equity | $21,839,750 | 2,901 |
| Average total loans | $236,824,250 | 1,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 4,385 |
| Cost of funding earning assets | 0.9239% | 4,491 |
| Net interest margin | 3.8081% | 3,742 |
| Noninterest income to average assets | 0.2095% | 6,165 |
| Noninterest expense to average assets | 2.7442% | 4,648 |
| Loan and lease loss provision to assets | 0.7644% | 1,217 |
| Net operating income to assets | 0.2957% | 5,384 |
| Return on assets (ROA) | 0.4746% | 4,759 |
| Pretax return on assets | 0.4746% | 5,157 |
| Return on Equity (ROE) | 6.8592% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.8592% | 1,944 |
| Net charge-offs to loans | 1.7930% | 783 |
| Credit loss provision to net charge-offs | 54.6941% | 4,466 |
| Earnings coverage of net charge-offs (x) | 0.7585% | 4,733 |
| Efficiency ratio | 72.1345% | 3,707 |
| Assets per employee ($millions) | 7.7178% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6502% | 1,241 |
| Loan loss allowance to noncurrent loans | 86.2669% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 2,416 |
| Noncurrent loans to loans | 3.0721% | 2,350 |
| Net loans and leases to total assets | 78.2068% | 750 |
| Net loans and leases to deposits | 89.3624% | 1,339 |
| Net loans and leases to core deposits | 92.4395% | 2,079 |
| Total domestic deposits to total assets | 87.5165% | 2,458 |
| Equity capital to assets | 7.7248% | 6,848 |
| Core capital (leverage) ratio | 7.4038% | 6,809 |
| Tier 1 risk-based capital ratio | 9.5743% | 7,088 |
| Total risk-based capital ratio | 11.9017% | 6,722 |
| Memoranda: | ||
| Average total assets | $306,395,330 | 2,107 |
| Average earning assets | $289,222,330 | 2,042 |
| Average equity | $21,197,670 | 2,969 |
| Average total loans | $238,816,000 | 1,786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 4,501 |
| Cost of funding earning assets | 0.9238% | 4,754 |
| Net interest margin | 3.7815% | 3,698 |
| Noninterest income to average assets | 0.0268% | 7,224 |
| Noninterest expense to average assets | 2.7109% | 4,792 |
| Loan and lease loss provision to assets | 0.8589% | 954 |
| Net operating income to assets | 0.0358% | 6,267 |
| Return on assets (ROA) | 0.0358% | 6,302 |
| Pretax return on assets | 0.0358% | 6,291 |
| Return on Equity (ROE) | 0.5472% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.5472% | 5,610 |
| Net charge-offs to loans | 0.3660% | 2,601 |
| Credit loss provision to net charge-offs | 305.4545% | 1,053 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 2,824 |
| Efficiency ratio | 75.1861% | 3,303 |
| Assets per employee ($millions) | 8.4472% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2217% | 760 |
| Loan loss allowance to noncurrent loans | 94.9709% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7733% | 2,492 |
| Noncurrent loans to loans | 3.3923% | 2,210 |
| Net loans and leases to total assets | 71.7511% | 1,774 |
| Net loans and leases to deposits | 80.6454% | 2,583 |
| Net loans and leases to core deposits | 87.1449% | 2,712 |
| Total domestic deposits to total assets | 88.9711% | 1,793 |
| Equity capital to assets | 6.7254% | 7,156 |
| Core capital (leverage) ratio | 6.7831% | 7,084 |
| Tier 1 risk-based capital ratio | 9.2396% | 7,194 |
| Total risk-based capital ratio | 11.5677% | 6,881 |
| Memoranda: | ||
| Average total assets | $312,955,500 | 2,082 |
| Average earning assets | $296,177,000 | 2,022 |
| Average equity | $20,469,000 | 3,056 |
| Average total loans | $240,421,500 | 1,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 6,176 |
| Cost of funding earning assets | 1.1882% | 4,631 |
| Net interest margin | 3.3883% | 5,678 |
| Noninterest income to average assets | 0.0821% | 6,979 |
| Noninterest expense to average assets | 2.5590% | 5,582 |
| Loan and lease loss provision to assets | 2.1121% | 607 |
| Net operating income to assets | -1.3919% | 6,871 |
| Return on assets (ROA) | -1.2340% | 6,821 |
| Pretax return on assets | -1.2340% | 6,753 |
| Return on Equity (ROE) | -18.2413% | 7,003 |
| Retained earnings to average equity (ytd only) | -18.2413% | 6,974 |
| Net charge-offs to loans | 1.7539% | 1,218 |
| Credit loss provision to net charge-offs | 155.9917% | 2,267 |
| Earnings coverage of net charge-offs (x) | 0.5319% | 5,580 |
| Efficiency ratio | 78.0379% | 2,707 |
| Assets per employee ($millions) | 8.2410% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9704% | 894 |
| Loan loss allowance to noncurrent loans | 74.9351% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.6023% | 1,913 |
| Noncurrent loans to loans | 3.9640% | 1,838 |
| Net loans and leases to total assets | 77.2818% | 1,051 |
| Net loans and leases to deposits | 86.6916% | 1,980 |
| Net loans and leases to core deposits | 95.1840% | 2,101 |
| Total domestic deposits to total assets | 89.1456% | 1,574 |
| Equity capital to assets | 6.3460% | 7,284 |
| Core capital (leverage) ratio | 6.0523% | 7,289 |
| Tier 1 risk-based capital ratio | 8.2618% | 7,332 |
| Total risk-based capital ratio | 10.5828% | 7,181 |
| Memoranda: | ||
| Average total assets | $321,725,000 | 2,023 |
| Average earning assets | $303,573,400 | 1,959 |
| Average equity | $21,763,800 | 2,906 |
| Average total loans | $248,360,600 | 1,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 6,483 |
| Cost of funding earning assets | 1.2035% | 4,851 |
| Net interest margin | 3.3395% | 5,887 |
| Noninterest income to average assets | 0.0691% | 7,186 |
| Noninterest expense to average assets | 2.5273% | 5,614 |
| Loan and lease loss provision to assets | 1.2215% | 1,166 |
| Net operating income to assets | -0.5310% | 6,616 |
| Return on assets (ROA) | -0.3232% | 6,499 |
| Pretax return on assets | -0.3232% | 6,426 |
| Return on Equity (ROE) | -4.7092% | 6,626 |
| Retained earnings to average equity (ytd only) | -4.7092% | 6,531 |
| Net charge-offs to loans | 1.4228% | 1,432 |
| Credit loss provision to net charge-offs | 112.0450% | 3,776 |
| Earnings coverage of net charge-offs (x) | 0.6334% | 5,406 |
| Efficiency ratio | 78.5406% | 2,554 |
| Assets per employee ($millions) | 8.1932% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 1,881 |
| Loan loss allowance to noncurrent loans | 59.8380% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.2382% | 2,204 |
| Noncurrent loans to loans | 3.5993% | 2,177 |
| Net loans and leases to total assets | 72.4689% | 2,139 |
| Net loans and leases to deposits | 83.2912% | 2,841 |
| Net loans and leases to core deposits | 93.9621% | 2,529 |
| Total domestic deposits to total assets | 87.0067% | 2,527 |
| Equity capital to assets | 7.0440% | 7,331 |
| Core capital (leverage) ratio | 6.8338% | 7,240 |
| Tier 1 risk-based capital ratio | 9.2407% | 7,317 |
| Total risk-based capital ratio | 11.5399% | 6,890 |
| Memoranda: | ||
| Average total assets | $325,926,750 | 2,021 |
| Average earning assets | $307,308,250 | 1,966 |
| Average equity | $22,367,250 | 2,879 |
| Average total loans | $249,735,750 | 1,787 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 6,566 |
| Cost of funding earning assets | 1.2456% | 4,863 |
| Net interest margin | 3.3128% | 5,972 |
| Noninterest income to average assets | 0.0488% | 7,337 |
| Noninterest expense to average assets | 2.5447% | 5,546 |
| Loan and lease loss provision to assets | 1.6461% | 784 |
| Net operating income to assets | -1.0175% | 6,954 |
| Return on assets (ROA) | -0.7121% | 6,826 |
| Pretax return on assets | -0.7121% | 6,729 |
| Return on Equity (ROE) | -10.4658% | 6,985 |
| Retained earnings to average equity (ytd only) | -10.4658% | 6,937 |
| Net charge-offs to loans | 1.5317% | 1,249 |
| Credit loss provision to net charge-offs | 138.7461% | 2,892 |
| Earnings coverage of net charge-offs (x) | 0.5298% | 5,204 |
| Efficiency ratio | 80.1921% | 2,422 |
| Assets per employee ($millions) | 8.3642% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 1,741 |
| Loan loss allowance to noncurrent loans | 47.4760% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 3.8310% | 1,811 |
| Noncurrent loans to loans | 4.6441% | 1,548 |
| Net loans and leases to total assets | 75.1932% | 1,651 |
| Net loans and leases to deposits | 89.7766% | 1,900 |
| Net loans and leases to core deposits | 101.3043% | 1,890 |
| Total domestic deposits to total assets | 83.7559% | 4,221 |
| Equity capital to assets | 6.7825% | 7,416 |
| Core capital (leverage) ratio | 6.5708% | 7,359 |
| Tier 1 risk-based capital ratio | 8.5814% | 7,474 |
| Total risk-based capital ratio | 10.8170% | 7,236 |
| Memoranda: | ||
| Average total assets | $328,058,000 | 2,021 |
| Average earning assets | $309,402,330 | 1,967 |
| Average equity | $22,320,330 | 2,882 |
| Average total loans | $254,094,670 | 1,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 6,651 |
| Cost of funding earning assets | 1.2957% | 4,844 |
| Net interest margin | 3.2662% | 6,080 |
| Noninterest income to average assets | 0.0766% | 7,317 |
| Noninterest expense to average assets | 2.5691% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5909% | 3,932 |
| Return on assets (ROA) | 0.5909% | 4,080 |
| Pretax return on assets | 0.5909% | 4,644 |
| Return on Equity (ROE) | 8.6716% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.6716% | 1,488 |
| Net charge-offs to loans | -0.1079% | 7,533 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3005% | 2,372 |
| Assets per employee ($millions) | 8.7203% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,346 |
| Loan loss allowance to noncurrent loans | 32.1884% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 4.8239% | 1,362 |
| Noncurrent loans to loans | 6.0096% | 1,092 |
| Net loans and leases to total assets | 74.1219% | 1,945 |
| Net loans and leases to deposits | 86.9673% | 2,411 |
| Net loans and leases to core deposits | 107.7876% | 1,433 |
| Total domestic deposits to total assets | 85.2296% | 3,555 |
| Equity capital to assets | 6.9912% | 7,373 |
| Core capital (leverage) ratio | 7.0229% | 7,238 |
| Tier 1 risk-based capital ratio | 9.2990% | 7,394 |
| Total risk-based capital ratio | 11.5583% | 6,798 |
| Memoranda: | ||
| Average total assets | $328,984,500 | 2,074 |
| Average earning assets | $310,574,000 | 2,007 |
| Average equity | $22,418,000 | 2,888 |
| Average total loans | $255,735,000 | 1,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 6,976 |
| Cost of funding earning assets | 1.9166% | 3,375 |
| Net interest margin | 2.8692% | 6,919 |
| Noninterest income to average assets | -0.0228% | 7,737 |
| Noninterest expense to average assets | 2.2228% | 6,932 |
| Loan and lease loss provision to assets | 2.2632% | 910 |
| Net operating income to assets | -1.7912% | 7,009 |
| Return on assets (ROA) | -1.5826% | 6,899 |
| Pretax return on assets | -1.5826% | 6,742 |
| Return on Equity (ROE) | -21.1854% | 7,176 |
| Retained earnings to average equity (ytd only) | -21.1854% | 7,148 |
| Net charge-offs to loans | 1.8622% | 1,341 |
| Credit loss provision to net charge-offs | 154.6484% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.3225% | 5,790 |
| Efficiency ratio | 82.4861% | 2,549 |
| Assets per employee ($millions) | 8.3743% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 2,450 |
| Loan loss allowance to noncurrent loans | 33.9760% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 4.5913% | 1,400 |
| Noncurrent loans to loans | 5.3857% | 1,213 |
| Net loans and leases to total assets | 78.4544% | 1,292 |
| Net loans and leases to deposits | 89.8189% | 2,240 |
| Net loans and leases to core deposits | 111.9799% | 2,698 |
| Total domestic deposits to total assets | 87.3474% | 2,301 |
| Equity capital to assets | 6.6348% | 7,521 |
| Core capital (leverage) ratio | 6.4869% | 7,498 |
| Tier 1 risk-based capital ratio | 8.2283% | 7,620 |
| Total risk-based capital ratio | 10.4183% | 7,403 |
| Memoranda: | ||
| Average total assets | $319,727,000 | 2,113 |
| Average earning assets | $302,832,200 | 2,051 |
| Average equity | $23,884,400 | 2,736 |
| Average total loans | $251,264,000 | 1,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 6,941 |
| Cost of funding earning assets | 1.9989% | 3,365 |
| Net interest margin | 2.8782% | 6,907 |
| Noninterest income to average assets | 0.0566% | 7,619 |
| Noninterest expense to average assets | 2.2837% | 6,743 |
| Loan and lease loss provision to assets | 1.6607% | 1,129 |
| Net operating income to assets | -1.1597% | 6,938 |
| Return on assets (ROA) | -1.1471% | 6,936 |
| Pretax return on assets | -1.1471% | 6,791 |
| Return on Equity (ROE) | -14.9271% | 7,187 |
| Retained earnings to average equity (ytd only) | -14.9271% | 7,130 |
| Net charge-offs to loans | 0.4630% | 3,372 |
| Credit loss provision to net charge-offs | 458.4491% | 854 |
| Earnings coverage of net charge-offs (x) | 1.3831% | 4,747 |
| Efficiency ratio | 82.0084% | 2,582 |
| Assets per employee ($millions) | 8.9425% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 1,811 |
| Loan loss allowance to noncurrent loans | 55.3231% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 3.1797% | 2,134 |
| Noncurrent loans to loans | 3.6085% | 2,068 |
| Net loans and leases to total assets | 76.7983% | 1,822 |
| Net loans and leases to deposits | 90.2377% | 2,533 |
| Net loans and leases to core deposits | 111.9705% | 3,028 |
| Total domestic deposits to total assets | 85.1066% | 3,171 |
| Equity capital to assets | 7.0318% | 7,581 |
| Core capital (leverage) ratio | 6.8714% | 7,507 |
| Tier 1 risk-based capital ratio | 8.4180% | 7,741 |
| Total risk-based capital ratio | 10.5844% | 7,458 |
| Memoranda: | ||
| Average total assets | $318,009,750 | 2,131 |
| Average earning assets | $301,428,500 | 2,080 |
| Average equity | $24,438,250 | 2,698 |
| Average total loans | $248,828,750 | 1,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 6,927 |
| Cost of funding earning assets | 2.0767% | 3,386 |
| Net interest margin | 2.8712% | 6,864 |
| Noninterest income to average assets | 0.0547% | 7,716 |
| Noninterest expense to average assets | 2.2726% | 6,843 |
| Loan and lease loss provision to assets | 0.4808% | 3,122 |
| Net operating income to assets | 0.0180% | 5,785 |
| Return on assets (ROA) | 0.0367% | 5,828 |
| Pretax return on assets | 0.0367% | 5,803 |
| Return on Equity (ROE) | 0.4631% | 5,797 |
| Retained earnings to average equity (ytd only) | 0.4631% | 5,028 |
| Net charge-offs to loans | 0.2387% | 3,998 |
| Credit loss provision to net charge-offs | 257.5862% | 1,805 |
| Earnings coverage of net charge-offs (x) | 2.6724% | 3,742 |
| Efficiency ratio | 82.0019% | 2,723 |
| Assets per employee ($millions) | 8.9914% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,989 |
| Loan loss allowance to noncurrent loans | 616.5899% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 6,743 |
| Noncurrent loans to loans | 0.1679% | 7,105 |
| Net loans and leases to total assets | 76.9021% | 1,969 |
| Net loans and leases to deposits | 92.0632% | 2,463 |
| Net loans and leases to core deposits | 115.1034% | 2,798 |
| Total domestic deposits to total assets | 83.5319% | 3,999 |
| Equity capital to assets | 7.3533% | 7,382 |
| Core capital (leverage) ratio | 7.6365% | 6,846 |
| Tier 1 risk-based capital ratio | 9.0620% | 7,669 |
| Total risk-based capital ratio | 10.9831% | 7,141 |
| Memoranda: | ||
| Average total assets | $310,741,330 | 2,194 |
| Average earning assets | $294,027,670 | 2,147 |
| Average equity | $24,619,330 | 2,677 |
| Average total loans | $243,009,000 | 1,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 6,785 |
| Cost of funding earning assets | 2.1937% | 3,198 |
| Net interest margin | 2.8581% | 6,856 |
| Noninterest income to average assets | 0.0494% | 7,836 |
| Noninterest expense to average assets | 2.1003% | 7,114 |
| Loan and lease loss provision to assets | 0.1001% | 5,686 |
| Net operating income to assets | 0.5524% | 4,208 |
| Return on assets (ROA) | 0.5911% | 4,251 |
| Pretax return on assets | 0.5911% | 4,782 |
| Return on Equity (ROE) | 7.1748% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.1748% | 2,146 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2967% | 3,440 |
| Assets per employee ($millions) | 8.5915% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 7,027 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.4991% | 2,161 |
| Net loans and leases to deposits | 93.0381% | 2,429 |
| Net loans and leases to core deposits | 125.7323% | 1,937 |
| Total domestic deposits to total assets | 82.2234% | 4,463 |
| Equity capital to assets | 8.0865% | 6,690 |
| Core capital (leverage) ratio | 8.2674% | 5,966 |
| Tier 1 risk-based capital ratio | 9.4873% | 7,433 |
| Total risk-based capital ratio | 11.3213% | 6,752 |
| Memoranda: | ||
| Average total assets | $299,772,000 | 2,266 |
| Average earning assets | $283,543,000 | 2,220 |
| Average equity | $24,697,500 | 2,682 |
| Average total loans | $235,256,500 | 2,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 6,714 |
| Cost of funding earning assets | 2.7223% | 3,052 |
| Net interest margin | 2.9968% | 6,929 |
| Noninterest income to average assets | 0.0368% | 7,954 |
| Noninterest expense to average assets | 2.4490% | 6,211 |
| Loan and lease loss provision to assets | 0.3578% | 3,536 |
| Net operating income to assets | 0.0304% | 6,281 |
| Return on assets (ROA) | 0.3388% | 5,222 |
| Pretax return on assets | 0.3388% | 5,419 |
| Return on Equity (ROE) | 3.9260% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.9260% | 2,681 |
| Net charge-offs to loans | 0.0072% | 6,854 |
| Credit loss provision to net charge-offs | 6,464.2857% | 83 |
| Earnings coverage of net charge-offs (x) | 70.1429% | 582 |
| Efficiency ratio | 86.3174% | 1,823 |
| Assets per employee ($millions) | 8.7954% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 6,358 |
| Loan loss allowance to noncurrent loans | 414.7664% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 6,821 |
| Noncurrent loans to loans | 0.2310% | 6,693 |
| Net loans and leases to total assets | 79.0328% | 1,882 |
| Net loans and leases to deposits | 96.2308% | 2,413 |
| Net loans and leases to core deposits | 128.1276% | 1,991 |
| Total domestic deposits to total assets | 82.1284% | 4,149 |
| Equity capital to assets | 8.4011% | 6,253 |
| Core capital (leverage) ratio | 8.7998% | 5,035 |
| Tier 1 risk-based capital ratio | 9.7776% | 6,976 |
| Total risk-based capital ratio | 11.6723% | 6,167 |
| Memoranda: | ||
| Average total assets | $252,958,800 | 2,533 |
| Average earning assets | $236,383,000 | 2,490 |
| Average equity | $21,828,600 | 2,996 |
| Average total loans | $194,404,400 | 2,354 |