Home > Pennian Bank > Performance and Condition Ratios
Pennian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 3,477 |
| Cost of funding earning assets | 1.6726% | 1,513 |
| Net interest margin | 2.6040% | 3,958 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.5561% | 2,139 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.2214% | 4,135 |
| Return on assets (ROA) | 0.2214% | 4,149 |
| Pretax return on assets | 0.1992% | 4,195 |
| Return on Equity (ROE) | 3.7600% | 3,923 |
| Retained earnings to average equity (ytd only) | -1.0954% | 4,196 |
| Net charge-offs to loans | 0.2962% | 366 |
| Credit loss provision to net charge-offs | 118.4305% | 1,689 |
| Earnings coverage of net charge-offs (x) | 2.1224% | 2,720 |
| Efficiency ratio | 85.9129% | 569 |
| Assets per employee ($millions) | 5.6958% | 3,077 |
| Cash dividends to net income (ytd only)* | 129.1586% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 1,911 |
| Loan loss allowance to noncurrent loans | 82.2910% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 473 |
| Noncurrent loans to loans | 1.5463% | 436 |
| Net loans and leases to total assets | 66.0600% | 2,247 |
| Net loans and leases to deposits | 83.2225% | 1,839 |
| Net loans and leases to core deposits | 88.3088% | 2,162 |
| Total domestic deposits to total assets | 79.3700% | 3,553 |
| Equity capital to assets | 6.1852% | 4,201 |
| Core capital (leverage) ratio | 8.1156% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6834% | 1,631 |
| Memoranda: | ||
| Average total assets | $703,379,800 | 1,309 |
| Average earning assets | $652,148,400 | 1,302 |
| Average equity | $41,446,200 | 1,834 |
| Average total loans | $468,895,800 | 1,300 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 3,409 |
| Cost of funding earning assets | 1.5498% | 1,479 |
| Net interest margin | 2.6861% | 3,899 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.5527% | 2,072 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3962% | 3,970 |
| Return on assets (ROA) | 0.3962% | 3,967 |
| Pretax return on assets | 0.4205% | 4,033 |
| Return on Equity (ROE) | 6.8100% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.8914% | 3,745 |
| Net charge-offs to loans | 0.1020% | 775 |
| Credit loss provision to net charge-offs | 110.0559% | 1,548 |
| Earnings coverage of net charge-offs (x) | 7.1816% | 2,247 |
| Efficiency ratio | 83.9553% | 621 |
| Assets per employee ($millions) | 5.6087% | 3,094 |
| Cash dividends to net income (ytd only)* | 72.2222% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,275 |
| Loan loss allowance to noncurrent loans | 189.5288% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 1,328 |
| Noncurrent loans to loans | 0.6426% | 1,273 |
| Net loans and leases to total assets | 67.5500% | 2,101 |
| Net loans and leases to deposits | 79.4001% | 2,106 |
| Net loans and leases to core deposits | 83.9720% | 2,325 |
| Total domestic deposits to total assets | 85.0800% | 2,475 |
| Equity capital to assets | 5.4250% | 4,159 |
| Core capital (leverage) ratio | 8.2596% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0193% | 1,556 |
| Memoranda: | ||
| Average total assets | $702,654,500 | 1,304 |
| Average earning assets | $650,548,750 | 1,302 |
| Average equity | $40,886,500 | 1,833 |
| Average total loans | $467,982,000 | 1,297 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,418 |
| Cost of funding earning assets | 1.4022% | 1,443 |
| Net interest margin | 2.7351% | 3,931 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.5703% | 2,001 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3974% | 4,007 |
| Return on assets (ROA) | 0.3974% | 4,016 |
| Pretax return on assets | 0.4190% | 4,090 |
| Return on Equity (ROE) | 6.6800% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.8885% | 3,746 |
| Net charge-offs to loans | 0.1010% | 676 |
| Credit loss provision to net charge-offs | 131.0638% | 1,282 |
| Earnings coverage of net charge-offs (x) | 7.4809% | 2,086 |
| Efficiency ratio | 83.7508% | 610 |
| Assets per employee ($millions) | 5.4950% | 3,159 |
| Cash dividends to net income (ytd only)* | 71.7345% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,230 |
| Loan loss allowance to noncurrent loans | 249.8928% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 1,591 |
| Noncurrent loans to loans | 0.4961% | 1,469 |
| Net loans and leases to total assets | 66.0300% | 2,152 |
| Net loans and leases to deposits | 76.9372% | 2,220 |
| Net loans and leases to core deposits | 81.5955% | 2,364 |
| Total domestic deposits to total assets | 85.8200% | 2,291 |
| Equity capital to assets | 5.9767% | 4,163 |
| Core capital (leverage) ratio | 8.2695% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9929% | 1,576 |
| Memoranda: | ||
| Average total assets | $705,045,667 | 1,291 |
| Average earning assets | $652,258,000 | 1,294 |
| Average equity | $41,938,667 | 1,815 |
| Average total loans | $465,443,667 | 1,293 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 3,281 |
| Cost of funding earning assets | 1.2480% | 1,346 |
| Net interest margin | 2.8345% | 3,893 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.5636% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5383% | 3,817 |
| Return on assets (ROA) | 0.5383% | 3,777 |
| Pretax return on assets | 0.5922% | 3,855 |
| Return on Equity (ROE) | 9.0700% | 3,028 |
| Retained earnings to average equity (ytd only) | 4.2780% | 3,187 |
| Net charge-offs to loans | 0.1045% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.6364% | 1,715 |
| Efficiency ratio | 81.2354% | 751 |
| Assets per employee ($millions) | 5.6427% | 3,076 |
| Cash dividends to net income (ytd only)* | 52.8421% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,268 |
| Loan loss allowance to noncurrent loans | 267.0481% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 1,623 |
| Noncurrent loans to loans | 0.4699% | 1,542 |
| Net loans and leases to total assets | 65.0900% | 2,143 |
| Net loans and leases to deposits | 78.5566% | 1,923 |
| Net loans and leases to core deposits | 82.7875% | 2,076 |
| Total domestic deposits to total assets | 82.8600% | 3,328 |
| Equity capital to assets | 6.1508% | 4,150 |
| Core capital (leverage) ratio | 8.2089% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6842% | 1,732 |
| Memoranda: | ||
| Average total assets | $705,887,000 | 1,304 |
| Average earning assets | $652,247,000 | 1,306 |
| Average equity | $41,889,000 | 1,842 |
| Average total loans | $463,032,500 | 1,309 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 2,793 |
| Cost of funding earning assets | 0.4676% | 1,596 |
| Net interest margin | 3.1352% | 3,072 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.4570% | 2,251 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7799% | 3,399 |
| Return on assets (ROA) | 0.7799% | 3,331 |
| Pretax return on assets | 0.8946% | 3,374 |
| Return on Equity (ROE) | 11.6700% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.4061% | 2,489 |
| Net charge-offs to loans | 0.0167% | 1,779 |
| Credit loss provision to net charge-offs | 753.4247% | 513 |
| Earnings coverage of net charge-offs (x) | 93.3973% | 1,005 |
| Efficiency ratio | 71.6295% | 1,481 |
| Assets per employee ($millions) | 5.8870% | 2,862 |
| Cash dividends to net income (ytd only)* | 45.0952% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,779 |
| Loan loss allowance to noncurrent loans | 210.5863% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 1,466 |
| Noncurrent loans to loans | 0.5326% | 1,381 |
| Net loans and leases to total assets | 64.5400% | 2,192 |
| Net loans and leases to deposits | 77.8944% | 1,961 |
| Net loans and leases to core deposits | 81.0720% | 2,070 |
| Total domestic deposits to total assets | 82.8500% | 3,453 |
| Equity capital to assets | 5.7180% | 4,177 |
| Core capital (leverage) ratio | 8.2039% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0302% | 1,624 |
| Memoranda: | ||
| Average total assets | $700,624,600 | 1,310 |
| Average earning assets | $652,211,200 | 1,300 |
| Average equity | $46,830,200 | 1,711 |
| Average total loans | $437,669,600 | 1,298 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 2,699 |
| Cost of funding earning assets | 0.3673% | 1,545 |
| Net interest margin | 3.1062% | 2,918 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4589% | 2,132 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7542% | 3,409 |
| Return on assets (ROA) | 0.7542% | 3,360 |
| Pretax return on assets | 0.8604% | 3,448 |
| Return on Equity (ROE) | 10.8900% | 2,422 |
| Retained earnings to average equity (ytd only) | 6.7354% | 2,468 |
| Net charge-offs to loans | 0.0173% | 1,498 |
| Credit loss provision to net charge-offs | 982.1429% | 413 |
| Earnings coverage of net charge-offs (x) | 90.3929% | 993 |
| Efficiency ratio | 71.8089% | 1,540 |
| Assets per employee ($millions) | 5.8266% | 2,909 |
| Cash dividends to net income (ytd only)* | 38.1290% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,841 |
| Loan loss allowance to noncurrent loans | 207.8494% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 1,516 |
| Noncurrent loans to loans | 0.5482% | 1,445 |
| Net loans and leases to total assets | 64.4100% | 2,050 |
| Net loans and leases to deposits | 74.9845% | 1,962 |
| Net loans and leases to core deposits | 77.7611% | 2,057 |
| Total domestic deposits to total assets | 85.8900% | 3,089 |
| Equity capital to assets | 5.5430% | 4,115 |
| Core capital (leverage) ratio | 8.1798% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9902% | 1,714 |
| Memoranda: | ||
| Average total assets | $699,170,750 | 1,316 |
| Average earning assets | $652,232,000 | 1,310 |
| Average equity | $48,439,250 | 1,679 |
| Average total loans | $431,813,500 | 1,300 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3619% | 2,540 |
| Cost of funding earning assets | 0.3493% | 1,268 |
| Net interest margin | 3.0126% | 2,840 |
| Noninterest income to average assets | 0.5278% | 2,052 |
| Noninterest expense to average assets | 2.4295% | 2,148 |
| Loan and lease loss provision to assets | 0.0572% | 1,559 |
| Net operating income to assets | 0.7523% | 3,136 |
| Return on assets (ROA) | 0.7523% | 3,090 |
| Pretax return on assets | 0.8565% | 3,186 |
| Return on Equity (ROE) | 10.1806% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.2903% | 2,240 |
| Net charge-offs to loans | 0.0127% | 1,535 |
| Credit loss provision to net charge-offs | 740.7407% | 499 |
| Earnings coverage of net charge-offs (x) | 118.2963% | 745 |
| Efficiency ratio | 72.6705% | 1,668 |
| Assets per employee ($millions) | 5.8357% | 2,887 |
| Cash dividends to net income (ytd only)* | 38.2129% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,158 |
| Loan loss allowance to noncurrent loans | 195.6592% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 1,575 |
| Noncurrent loans to loans | 0.5626% | 1,496 |
| Net loans and leases to total assets | 62.4578% | 2,072 |
| Net loans and leases to deposits | 71.1187% | 2,099 |
| Net loans and leases to core deposits | 73.4885% | 2,209 |
| Total domestic deposits to total assets | 87.8219% | 2,643 |
| Equity capital to assets | 6.1991% | 4,135 |
| Core capital (leverage) ratio | 8.1413% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3574% | 1,610 |
| Memoranda: | ||
| Average total assets | $699,163,667 | 1,321 |
| Average earning assets | $653,389,333 | 1,320 |
| Average equity | $51,667,000 | 1,639 |
| Average total loans | $423,910,333 | 1,316 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 2,335 |
| Cost of funding earning assets | 0.3486% | 1,217 |
| Net interest margin | 2.9676% | 2,610 |
| Noninterest income to average assets | 0.4901% | 2,195 |
| Noninterest expense to average assets | 2.3779% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7804% | 2,723 |
| Return on assets (ROA) | 0.7804% | 2,719 |
| Pretax return on assets | 0.8955% | 2,794 |
| Return on Equity (ROE) | 9.7715% | 2,059 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,190 |
| Net charge-offs to loans | -0.0019% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6430% | 1,892 |
| Assets per employee ($millions) | 6.1420% | 2,668 |
| Cash dividends to net income (ytd only)* | 36.9039% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,256 |
| Loan loss allowance to noncurrent loans | 182.9762% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,646 |
| Noncurrent loans to loans | 0.6106% | 1,533 |
| Net loans and leases to total assets | 59.3742% | 2,136 |
| Net loans and leases to deposits | 68.6219% | 2,085 |
| Net loans and leases to core deposits | 70.5003% | 2,249 |
| Total domestic deposits to total assets | 86.5237% | 3,097 |
| Equity capital to assets | 7.3153% | 4,040 |
| Core capital (leverage) ratio | 8.2911% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7018% | 1,587 |
| Memoranda: | ||
| Average total assets | $698,603,500 | 1,324 |
| Average earning assets | $655,207,500 | 1,320 |
| Average equity | $55,795,000 | 1,580 |
| Average total loans | $414,740,500 | 1,332 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 2,909 |
| Cost of funding earning assets | 0.4636% | 1,104 |
| Net interest margin | 2.9436% | 3,339 |
| Noninterest income to average assets | 0.5208% | 2,481 |
| Noninterest expense to average assets | 2.3733% | 2,574 |
| Loan and lease loss provision to assets | 0.0190% | 2,690 |
| Net operating income to assets | 0.7850% | 3,377 |
| Return on assets (ROA) | 0.7902% | 3,432 |
| Pretax return on assets | 0.8965% | 3,519 |
| Return on Equity (ROE) | 8.6136% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.5227% | 2,992 |
| Net charge-offs to loans | -0.0010% | 3,282 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2939% | 1,479 |
| Assets per employee ($millions) | 6.1142% | 2,651 |
| Cash dividends to net income (ytd only)* | 47.4933% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,137 |
| Loan loss allowance to noncurrent loans | 145.8527% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 1,428 |
| Noncurrent loans to loans | 0.7869% | 1,295 |
| Net loans and leases to total assets | 58.0125% | 2,373 |
| Net loans and leases to deposits | 68.5236% | 2,257 |
| Net loans and leases to core deposits | 70.3395% | 2,409 |
| Total domestic deposits to total assets | 84.6606% | 3,373 |
| Equity capital to assets | 8.6611% | 3,925 |
| Core capital (leverage) ratio | 8.2661% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1431% | 1,467 |
| Memoranda: | ||
| Average total assets | $656,254,800 | 1,352 |
| Average earning assets | $615,768,400 | 1,347 |
| Average equity | $60,207,400 | 1,508 |
| Average total loans | $403,863,200 | 1,361 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 3,105 |
| Cost of funding earning assets | 0.4842% | 1,134 |
| Net interest margin | 2.9151% | 3,519 |
| Noninterest income to average assets | 0.5219% | 2,531 |
| Noninterest expense to average assets | 2.2969% | 2,763 |
| Loan and lease loss provision to assets | 0.0258% | 2,480 |
| Net operating income to assets | 0.8188% | 3,474 |
| Return on assets (ROA) | 0.8259% | 3,522 |
| Pretax return on assets | 0.9417% | 3,602 |
| Return on Equity (ROE) | 8.8684% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.9056% | 2,868 |
| Net charge-offs to loans | -0.0030% | 3,298 |
| Credit loss provision to net charge-offs | -1,388.8889% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5368% | 1,547 |
| Assets per employee ($millions) | 6.0178% | 2,675 |
| Cash dividends to net income (ytd only)* | 33.4083% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,246 |
| Loan loss allowance to noncurrent loans | 116.7412% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 1,295 |
| Noncurrent loans to loans | 0.9781% | 1,179 |
| Net loans and leases to total assets | 59.8423% | 2,280 |
| Net loans and leases to deposits | 71.3666% | 2,119 |
| Net loans and leases to core deposits | 73.3397% | 2,292 |
| Total domestic deposits to total assets | 83.8519% | 3,498 |
| Equity capital to assets | 9.0464% | 3,783 |
| Core capital (leverage) ratio | 8.4875% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9048% | 1,649 |
| Memoranda: | ||
| Average total assets | $646,065,000 | 1,383 |
| Average earning assets | $606,023,750 | 1,380 |
| Average equity | $60,167,000 | 1,534 |
| Average total loans | $402,566,500 | 1,395 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 3,152 |
| Cost of funding earning assets | 0.5023% | 1,188 |
| Net interest margin | 2.9084% | 3,558 |
| Noninterest income to average assets | 0.4953% | 2,639 |
| Noninterest expense to average assets | 2.2302% | 2,981 |
| Loan and lease loss provision to assets | 0.0394% | 2,211 |
| Net operating income to assets | 0.8344% | 3,410 |
| Return on assets (ROA) | 0.8438% | 3,458 |
| Pretax return on assets | 0.9623% | 3,521 |
| Return on Equity (ROE) | 8.9689% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.9849% | 2,809 |
| Net charge-offs to loans | -0.0020% | 3,199 |
| Credit loss provision to net charge-offs | -3,125.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2360% | 1,731 |
| Assets per employee ($millions) | 5.8779% | 2,735 |
| Cash dividends to net income (ytd only)* | 33.2711% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,222 |
| Loan loss allowance to noncurrent loans | 114.0359% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 1,338 |
| Noncurrent loans to loans | 1.0038% | 1,227 |
| Net loans and leases to total assets | 61.0548% | 2,298 |
| Net loans and leases to deposits | 72.8355% | 2,130 |
| Net loans and leases to core deposits | 74.9954% | 2,330 |
| Total domestic deposits to total assets | 83.8255% | 3,488 |
| Equity capital to assets | 9.1434% | 3,663 |
| Core capital (leverage) ratio | 8.5309% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8761% | 1,670 |
| Memoranda: | ||
| Average total assets | $634,751,333 | 1,397 |
| Average earning assets | $594,892,667 | 1,391 |
| Average equity | $59,717,333 | 1,533 |
| Average total loans | $399,545,000 | 1,410 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 3,085 |
| Cost of funding earning assets | 0.5200% | 1,271 |
| Net interest margin | 2.9200% | 3,467 |
| Noninterest income to average assets | 0.5251% | 2,502 |
| Noninterest expense to average assets | 2.2638% | 2,895 |
| Loan and lease loss provision to assets | 0.0806% | 1,604 |
| Net operating income to assets | 0.8077% | 3,399 |
| Return on assets (ROA) | 0.8077% | 3,471 |
| Pretax return on assets | 0.9161% | 3,568 |
| Return on Equity (ROE) | 8.4580% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.4450% | 3,081 |
| Net charge-offs to loans | 0.0122% | 1,507 |
| Credit loss provision to net charge-offs | 1,041.6667% | 408 |
| Earnings coverage of net charge-offs (x) | 128.7500% | 531 |
| Efficiency ratio | 69.4302% | 1,766 |
| Assets per employee ($millions) | 5.8631% | 2,732 |
| Cash dividends to net income (ytd only)* | 35.6230% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,143 |
| Loan loss allowance to noncurrent loans | 94.4299% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 1,150 |
| Noncurrent loans to loans | 1.2292% | 1,068 |
| Net loans and leases to total assets | 62.9227% | 2,178 |
| Net loans and leases to deposits | 76.1632% | 1,889 |
| Net loans and leases to core deposits | 78.1029% | 2,177 |
| Total domestic deposits to total assets | 82.6156% | 3,781 |
| Equity capital to assets | 9.3350% | 3,350 |
| Core capital (leverage) ratio | 9.0616% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9301% | 1,588 |
| Memoranda: | ||
| Average total assets | $620,023,500 | 1,412 |
| Average earning assets | $580,817,000 | 1,408 |
| Average equity | $59,210,500 | 1,534 |
| Average total loans | $394,204,500 | 1,436 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 3,454 |
| Cost of funding earning assets | 0.7936% | 1,239 |
| Net interest margin | 2.9536% | 4,002 |
| Noninterest income to average assets | 0.5412% | 2,464 |
| Noninterest expense to average assets | 2.4092% | 3,111 |
| Loan and lease loss provision to assets | 0.1044% | 3,032 |
| Net operating income to assets | 0.6859% | 3,477 |
| Return on assets (ROA) | 0.7240% | 3,486 |
| Pretax return on assets | 0.8186% | 3,586 |
| Return on Equity (ROE) | 7.3095% | 3,072 |
| Retained earnings to average equity (ytd only) | 3.4879% | 3,085 |
| Net charge-offs to loans | -0.0127% | 4,315 |
| Credit loss provision to net charge-offs | -1,276.5957% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2533% | 1,533 |
| Assets per employee ($millions) | 5.5672% | 2,775 |
| Cash dividends to net income (ytd only)* | 52.2826% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,028 |
| Loan loss allowance to noncurrent loans | 89.2145% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 1,188 |
| Noncurrent loans to loans | 1.3283% | 1,021 |
| Net loans and leases to total assets | 62.7402% | 2,516 |
| Net loans and leases to deposits | 76.9792% | 2,174 |
| Net loans and leases to core deposits | 78.8104% | 2,475 |
| Total domestic deposits to total assets | 81.5029% | 3,760 |
| Equity capital to assets | 9.7738% | 3,343 |
| Core capital (leverage) ratio | 9.0594% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6871% | 1,349 |
| Memoranda: | ||
| Average total assets | $574,879,800 | 1,385 |
| Average earning assets | $534,797,600 | 1,383 |
| Average equity | $56,939,600 | 1,501 |
| Average total loans | $370,985,400 | 1,448 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 3,626 |
| Cost of funding earning assets | 0.8531% | 1,245 |
| Net interest margin | 2.9255% | 4,135 |
| Noninterest income to average assets | 0.5473% | 2,394 |
| Noninterest expense to average assets | 2.4347% | 3,038 |
| Loan and lease loss provision to assets | 0.1293% | 2,729 |
| Net operating income to assets | 0.6227% | 3,711 |
| Return on assets (ROA) | 0.6748% | 3,654 |
| Pretax return on assets | 0.7559% | 3,761 |
| Return on Equity (ROE) | 6.7887% | 3,278 |
| Retained earnings to average equity (ytd only) | 3.6274% | 3,238 |
| Net charge-offs to loans | -0.0160% | 4,354 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6521% | 1,345 |
| Assets per employee ($millions) | 5.6777% | 2,557 |
| Cash dividends to net income (ytd only)* | 46.5667% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,825 |
| Loan loss allowance to noncurrent loans | 77.5030% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,154 |
| Noncurrent loans to loans | 1.5130% | 944 |
| Net loans and leases to total assets | 63.2004% | 2,864 |
| Net loans and leases to deposits | 77.6223% | 2,573 |
| Net loans and leases to core deposits | 79.5246% | 2,884 |
| Total domestic deposits to total assets | 81.4204% | 3,561 |
| Equity capital to assets | 9.6541% | 3,551 |
| Core capital (leverage) ratio | 9.3202% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5333% | 1,363 |
| Memoranda: | ||
| Average total assets | $566,892,500 | 1,382 |
| Average earning assets | $525,930,750 | 1,385 |
| Average equity | $56,347,000 | 1,508 |
| Average total loans | $367,408,750 | 1,452 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 3,728 |
| Cost of funding earning assets | 0.9510% | 1,144 |
| Net interest margin | 2.9055% | 4,301 |
| Noninterest income to average assets | 0.5212% | 2,486 |
| Noninterest expense to average assets | 2.5074% | 2,942 |
| Loan and lease loss provision to assets | 0.0720% | 3,401 |
| Net operating income to assets | 0.5628% | 3,855 |
| Return on assets (ROA) | 0.6325% | 3,716 |
| Pretax return on assets | 0.7067% | 3,859 |
| Return on Equity (ROE) | 6.2982% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.1025% | 3,341 |
| Net charge-offs to loans | -0.0017% | 3,797 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1432% | 1,044 |
| Assets per employee ($millions) | 5.4099% | 2,727 |
| Cash dividends to net income (ytd only)* | 50.7403% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 2,993 |
| Loan loss allowance to noncurrent loans | 77.8764% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 1,328 |
| Noncurrent loans to loans | 1.4264% | 1,081 |
| Net loans and leases to total assets | 63.9888% | 2,883 |
| Net loans and leases to deposits | 75.9337% | 2,878 |
| Net loans and leases to core deposits | 77.8791% | 3,120 |
| Total domestic deposits to total assets | 84.2693% | 2,652 |
| Equity capital to assets | 9.9786% | 3,226 |
| Core capital (leverage) ratio | 9.4594% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1010% | 1,229 |
| Memoranda: | ||
| Average total assets | $555,244,000 | 1,382 |
| Average earning assets | $513,570,333 | 1,393 |
| Average equity | $55,762,000 | 1,504 |
| Average total loans | $361,586,000 | 1,452 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,766 |
| Cost of funding earning assets | 1.0552% | 1,204 |
| Net interest margin | 2.9514% | 4,355 |
| Noninterest income to average assets | 0.5881% | 2,091 |
| Noninterest expense to average assets | 2.6118% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6204% | 3,540 |
| Return on assets (ROA) | 0.7478% | 3,176 |
| Pretax return on assets | 0.8577% | 3,259 |
| Return on Equity (ROE) | 7.4211% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.1867% | 2,608 |
| Net charge-offs to loans | -0.0011% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5982% | 1,275 |
| Assets per employee ($millions) | 5.0975% | 2,543 |
| Cash dividends to net income (ytd only)* | 43.5847% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,223 |
| Loan loss allowance to noncurrent loans | 81.8884% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 1,340 |
| Noncurrent loans to loans | 1.3399% | 1,207 |
| Net loans and leases to total assets | 64.1821% | 3,045 |
| Net loans and leases to deposits | 76.6685% | 3,014 |
| Net loans and leases to core deposits | 79.4260% | 3,244 |
| Total domestic deposits to total assets | 83.7138% | 2,876 |
| Equity capital to assets | 10.1879% | 3,613 |
| Core capital (leverage) ratio | 9.8114% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9593% | 1,152 |
| Memoranda: | ||
| Average total assets | $546,142,500 | 1,363 |
| Average earning assets | $506,068,500 | 1,361 |
| Average equity | $55,032,000 | 1,519 |
| Average total loans | $356,847,000 | 1,431 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 3,959 |
| Cost of funding earning assets | 1.1152% | 1,272 |
| Net interest margin | 3.0225% | 4,495 |
| Noninterest income to average assets | 0.5606% | 2,417 |
| Noninterest expense to average assets | 2.5265% | 3,378 |
| Loan and lease loss provision to assets | 0.0851% | 2,301 |
| Net operating income to assets | 0.6658% | 3,969 |
| Return on assets (ROA) | 0.6890% | 3,965 |
| Pretax return on assets | 0.7812% | 4,011 |
| Return on Equity (ROE) | 6.9210% | 3,576 |
| Retained earnings to average equity (ytd only) | 2.8356% | 3,624 |
| Net charge-offs to loans | 0.0897% | 1,839 |
| Credit loss provision to net charge-offs | 141.9558% | 1,819 |
| Earnings coverage of net charge-offs (x) | 14.0158% | 2,308 |
| Efficiency ratio | 75.0477% | 1,483 |
| Assets per employee ($millions) | 4.7943% | 2,846 |
| Cash dividends to net income (ytd only)* | 59.0285% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,960 |
| Loan loss allowance to noncurrent loans | 178.9498% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 1,779 |
| Noncurrent loans to loans | 0.6144% | 2,350 |
| Net loans and leases to total assets | 65.0687% | 3,063 |
| Net loans and leases to deposits | 77.9156% | 3,016 |
| Net loans and leases to core deposits | 82.5297% | 3,082 |
| Total domestic deposits to total assets | 83.5118% | 3,015 |
| Equity capital to assets | 9.9633% | 3,956 |
| Core capital (leverage) ratio | 9.7371% | 3,805 |
| Tier 1 risk-based capital ratio | 16.6167% | 2,178 |
| Total risk-based capital ratio | 17.8673% | 2,115 |
| Memoranda: | ||
| Average total assets | $528,919,600 | 1,357 |
| Average earning assets | $491,016,400 | 1,350 |
| Average equity | $52,651,600 | 1,526 |
| Average total loans | $353,265,200 | 1,408 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 4,064 |
| Cost of funding earning assets | 1.1067% | 1,325 |
| Net interest margin | 3.0333% | 4,580 |
| Noninterest income to average assets | 0.5554% | 2,431 |
| Noninterest expense to average assets | 2.5347% | 3,335 |
| Loan and lease loss provision to assets | 0.1141% | 1,704 |
| Net operating income to assets | 0.6418% | 4,176 |
| Return on assets (ROA) | 0.6729% | 4,161 |
| Pretax return on assets | 0.7614% | 4,210 |
| Return on Equity (ROE) | 6.7607% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,723 |
| Net charge-offs to loans | 0.1203% | 1,298 |
| Credit loss provision to net charge-offs | 141.5094% | 1,712 |
| Earnings coverage of net charge-offs (x) | 10.4182% | 2,499 |
| Efficiency ratio | 75.1033% | 1,437 |
| Assets per employee ($millions) | 4.8761% | 2,695 |
| Cash dividends to net income (ytd only)* | 50.4337% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,066 |
| Loan loss allowance to noncurrent loans | 95.1214% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 1,535 |
| Noncurrent loans to loans | 1.1488% | 1,375 |
| Net loans and leases to total assets | 66.1323% | 3,035 |
| Net loans and leases to deposits | 79.5228% | 2,952 |
| Net loans and leases to core deposits | 84.9819% | 2,997 |
| Total domestic deposits to total assets | 83.1614% | 3,104 |
| Equity capital to assets | 10.1177% | 3,895 |
| Core capital (leverage) ratio | 9.8639% | 3,773 |
| Tier 1 risk-based capital ratio | 16.6177% | 2,220 |
| Total risk-based capital ratio | 17.8684% | 2,149 |
| Memoranda: | ||
| Average total assets | $525,710,000 | 1,365 |
| Average earning assets | $488,655,250 | 1,359 |
| Average equity | $52,320,250 | 1,537 |
| Average total loans | $352,473,000 | 1,417 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 4,129 |
| Cost of funding earning assets | 1.0796% | 1,382 |
| Net interest margin | 3.0331% | 4,633 |
| Noninterest income to average assets | 0.5550% | 2,362 |
| Noninterest expense to average assets | 2.5379% | 3,358 |
| Loan and lease loss provision to assets | 0.0862% | 2,119 |
| Net operating income to assets | 0.6646% | 4,115 |
| Return on assets (ROA) | 0.6646% | 4,170 |
| Pretax return on assets | 0.7504% | 4,217 |
| Return on Equity (ROE) | 6.7156% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.2591% | 3,592 |
| Net charge-offs to loans | 0.1096% | 1,313 |
| Credit loss provision to net charge-offs | 117.1875% | 1,774 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 2,206 |
| Efficiency ratio | 75.2100% | 1,493 |
| Assets per employee ($millions) | 5.0371% | 2,432 |
| Cash dividends to net income (ytd only)* | 51.4697% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,188 |
| Loan loss allowance to noncurrent loans | 78.4306% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 1,301 |
| Noncurrent loans to loans | 1.3753% | 1,131 |
| Net loans and leases to total assets | 65.5786% | 3,159 |
| Net loans and leases to deposits | 78.5273% | 3,105 |
| Net loans and leases to core deposits | 84.7720% | 3,054 |
| Total domestic deposits to total assets | 83.5105% | 3,046 |
| Equity capital to assets | 10.0298% | 3,951 |
| Core capital (leverage) ratio | 9.8344% | 3,783 |
| Tier 1 risk-based capital ratio | 16.7623% | 2,156 |
| Total risk-based capital ratio | 18.0128% | 2,099 |
| Memoranda: | ||
| Average total assets | $522,155,000 | 1,375 |
| Average earning assets | $485,382,330 | 1,369 |
| Average equity | $51,670,670 | 1,545 |
| Average total loans | $350,418,670 | 1,435 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 4,056 |
| Cost of funding earning assets | 1.0167% | 1,499 |
| Net interest margin | 3.1119% | 4,572 |
| Noninterest income to average assets | 0.5648% | 2,207 |
| Noninterest expense to average assets | 2.5832% | 3,263 |
| Loan and lease loss provision to assets | 0.0387% | 2,853 |
| Net operating income to assets | 0.7314% | 3,837 |
| Return on assets (ROA) | 0.7314% | 3,885 |
| Pretax return on assets | 0.8337% | 3,963 |
| Return on Equity (ROE) | 7.4433% | 3,483 |
| Retained earnings to average equity (ytd only) | 3.9267% | 3,334 |
| Net charge-offs to loans | 0.0356% | 1,757 |
| Credit loss provision to net charge-offs | 161.2903% | 1,185 |
| Earnings coverage of net charge-offs (x) | 36.3226% | 1,215 |
| Efficiency ratio | 74.7534% | 1,643 |
| Assets per employee ($millions) | 5.1158% | 2,382 |
| Cash dividends to net income (ytd only)* | 47.2458% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,228 |
| Loan loss allowance to noncurrent loans | 89.2773% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 1,723 |
| Noncurrent loans to loans | 1.2107% | 1,361 |
| Net loans and leases to total assets | 66.7312% | 2,941 |
| Net loans and leases to deposits | 80.0057% | 2,841 |
| Net loans and leases to core deposits | 85.1589% | 2,943 |
| Total domestic deposits to total assets | 83.4080% | 3,251 |
| Equity capital to assets | 9.8434% | 3,975 |
| Core capital (leverage) ratio | 9.9738% | 3,633 |
| Tier 1 risk-based capital ratio | 16.9379% | 2,123 |
| Total risk-based capital ratio | 18.1886% | 2,074 |
| Memoranda: | ||
| Average total assets | $516,268,000 | 1,398 |
| Average earning assets | $479,574,000 | 1,391 |
| Average equity | $50,730,000 | 1,562 |
| Average total loans | $348,647,500 | 1,448 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,826 |
| Cost of funding earning assets | 0.8538% | 1,291 |
| Net interest margin | 3.2194% | 4,446 |
| Noninterest income to average assets | 0.5850% | 2,374 |
| Noninterest expense to average assets | 2.5003% | 3,615 |
| Loan and lease loss provision to assets | 0.0680% | 2,783 |
| Net operating income to assets | 0.8698% | 3,538 |
| Return on assets (ROA) | 0.8706% | 3,528 |
| Pretax return on assets | 1.0039% | 3,585 |
| Return on Equity (ROE) | 9.0551% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.1149% | 2,709 |
| Net charge-offs to loans | 0.0769% | 2,025 |
| Credit loss provision to net charge-offs | 129.2135% | 2,044 |
| Earnings coverage of net charge-offs (x) | 20.3483% | 2,006 |
| Efficiency ratio | 70.0132% | 2,184 |
| Assets per employee ($millions) | 4.9585% | 2,556 |
| Cash dividends to net income (ytd only)* | 43.5137% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,120 |
| Loan loss allowance to noncurrent loans | 129.7464% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,306 |
| Noncurrent loans to loans | 0.8451% | 1,910 |
| Net loans and leases to total assets | 66.8644% | 3,016 |
| Net loans and leases to deposits | 80.7386% | 2,879 |
| Net loans and leases to core deposits | 84.3271% | 3,054 |
| Total domestic deposits to total assets | 82.8159% | 3,390 |
| Equity capital to assets | 9.8088% | 3,856 |
| Core capital (leverage) ratio | 9.9496% | 3,647 |
| Tier 1 risk-based capital ratio | 17.2432% | 1,977 |
| Total risk-based capital ratio | 18.4944% | 1,930 |
| Memoranda: | ||
| Average total assets | $507,338,400 | 1,393 |
| Average earning assets | $470,591,000 | 1,386 |
| Average equity | $48,779,200 | 1,547 |
| Average total loans | $347,179,200 | 1,414 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,800 |
| Cost of funding earning assets | 0.8177% | 1,248 |
| Net interest margin | 3.2278% | 4,458 |
| Noninterest income to average assets | 0.5747% | 2,454 |
| Noninterest expense to average assets | 2.4495% | 3,738 |
| Loan and lease loss provision to assets | 0.0842% | 2,280 |
| Net operating income to assets | 0.8962% | 3,547 |
| Return on assets (ROA) | 0.8971% | 3,547 |
| Pretax return on assets | 1.0366% | 3,619 |
| Return on Equity (ROE) | 9.3785% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.1147% | 2,601 |
| Net charge-offs to loans | 0.0759% | 1,765 |
| Credit loss provision to net charge-offs | 161.6162% | 1,623 |
| Earnings coverage of net charge-offs (x) | 21.4851% | 1,921 |
| Efficiency ratio | 68.6260% | 2,421 |
| Assets per employee ($millions) | 5.0814% | 2,363 |
| Cash dividends to net income (ytd only)* | 34.8004% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,117 |
| Loan loss allowance to noncurrent loans | 142.0623% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,572 |
| Noncurrent loans to loans | 0.7838% | 2,140 |
| Net loans and leases to total assets | 66.9367% | 3,078 |
| Net loans and leases to deposits | 80.2178% | 3,015 |
| Net loans and leases to core deposits | 85.4114% | 3,052 |
| Total domestic deposits to total assets | 83.4438% | 3,146 |
| Equity capital to assets | 9.5265% | 4,052 |
| Core capital (leverage) ratio | 9.9676% | 3,673 |
| Tier 1 risk-based capital ratio | 17.3094% | 1,995 |
| Total risk-based capital ratio | 18.5609% | 1,944 |
| Memoranda: | ||
| Average total assets | $506,492,250 | 1,396 |
| Average earning assets | $469,902,500 | 1,390 |
| Average equity | $48,450,000 | 1,554 |
| Average total loans | $347,654,500 | 1,416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,547 |
| Cost of funding earning assets | 0.7862% | 1,194 |
| Net interest margin | 3.2853% | 4,290 |
| Noninterest income to average assets | 0.5684% | 2,483 |
| Noninterest expense to average assets | 2.4366% | 3,808 |
| Loan and lease loss provision to assets | 0.0870% | 2,177 |
| Net operating income to assets | 0.9287% | 3,325 |
| Return on assets (ROA) | 0.9294% | 3,324 |
| Pretax return on assets | 1.0768% | 3,400 |
| Return on Equity (ROE) | 9.7020% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.4378% | 2,343 |
| Net charge-offs to loans | 0.1101% | 1,273 |
| Credit loss provision to net charge-offs | 114.5833% | 1,843 |
| Earnings coverage of net charge-offs (x) | 15.3229% | 2,049 |
| Efficiency ratio | 67.6916% | 2,698 |
| Assets per employee ($millions) | 5.1198% | 2,275 |
| Cash dividends to net income (ytd only)* | 33.6453% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,385 |
| Loan loss allowance to noncurrent loans | 175.0703% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,008 |
| Noncurrent loans to loans | 0.6169% | 2,567 |
| Net loans and leases to total assets | 67.5093% | 2,943 |
| Net loans and leases to deposits | 81.8456% | 2,784 |
| Net loans and leases to core deposits | 86.3715% | 2,892 |
| Total domestic deposits to total assets | 82.4837% | 3,565 |
| Equity capital to assets | 9.5764% | 4,030 |
| Core capital (leverage) ratio | 9.8637% | 3,720 |
| Tier 1 risk-based capital ratio | 17.0998% | 2,064 |
| Total risk-based capital ratio | 18.3466% | 2,012 |
| Memoranda: | ||
| Average total assets | $505,942,670 | 1,397 |
| Average earning assets | $466,802,330 | 1,401 |
| Average equity | $48,464,000 | 1,559 |
| Average total loans | $348,885,000 | 1,410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,959 |
| Cost of funding earning assets | 0.7449% | 1,213 |
| Net interest margin | 3.4324% | 3,767 |
| Noninterest income to average assets | 0.5357% | 2,609 |
| Noninterest expense to average assets | 2.4032% | 3,935 |
| Loan and lease loss provision to assets | 0.1187% | 1,591 |
| Net operating income to assets | 1.0171% | 2,791 |
| Return on assets (ROA) | 1.0184% | 2,805 |
| Pretax return on assets | 1.1878% | 2,810 |
| Return on Equity (ROE) | 10.6305% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.3679% | 2,118 |
| Net charge-offs to loans | 0.0137% | 2,270 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 137.4167% | 469 |
| Efficiency ratio | 64.8101% | 3,353 |
| Assets per employee ($millions) | 5.1169% | 2,340 |
| Cash dividends to net income (ytd only)* | 30.6915% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,421 |
| Loan loss allowance to noncurrent loans | 171.1615% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,072 |
| Noncurrent loans to loans | 0.6394% | 2,625 |
| Net loans and leases to total assets | 68.6141% | 2,686 |
| Net loans and leases to deposits | 84.1687% | 2,373 |
| Net loans and leases to core deposits | 86.5136% | 2,758 |
| Total domestic deposits to total assets | 81.5198% | 4,085 |
| Equity capital to assets | 9.5436% | 4,051 |
| Core capital (leverage) ratio | 9.8847% | 3,666 |
| Tier 1 risk-based capital ratio | 16.6401% | 2,230 |
| Total risk-based capital ratio | 17.8915% | 2,176 |
| Memoranda: | ||
| Average total assets | $505,484,500 | 1,413 |
| Average earning assets | $467,190,500 | 1,413 |
| Average equity | $48,426,500 | 1,570 |
| Average total loans | $350,371,000 | 1,394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 3,805 |
| Cost of funding earning assets | 0.7005% | 1,012 |
| Net interest margin | 3.1742% | 4,506 |
| Noninterest income to average assets | 0.5494% | 2,722 |
| Noninterest expense to average assets | 2.4130% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7472% | 3,402 |
| Return on assets (ROA) | 0.7560% | 3,403 |
| Pretax return on assets | 1.0828% | 3,256 |
| Return on Equity (ROE) | 7.7255% | 2,934 |
| Retained earnings to average equity (ytd only) | 4.1261% | 2,691 |
| Net charge-offs to loans | 0.0496% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.2679% | 1,506 |
| Efficiency ratio | 69.2771% | 2,656 |
| Assets per employee ($millions) | 5.0440% | 2,427 |
| Cash dividends to net income (ytd only)* | 46.5912% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,543 |
| Loan loss allowance to noncurrent loans | 67.4427% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 1,400 |
| Noncurrent loans to loans | 1.5739% | 1,068 |
| Net loans and leases to total assets | 68.5190% | 2,747 |
| Net loans and leases to deposits | 85.4893% | 2,327 |
| Net loans and leases to core deposits | 88.0939% | 2,708 |
| Total domestic deposits to total assets | 80.1493% | 4,311 |
| Equity capital to assets | 9.6170% | 4,127 |
| Core capital (leverage) ratio | 9.7106% | 3,801 |
| Tier 1 risk-based capital ratio | 16.4048% | 2,301 |
| Total risk-based capital ratio | 17.6547% | 2,229 |
| Memoranda: | ||
| Average total assets | $490,875,400 | 1,428 |
| Average earning assets | $453,683,600 | 1,427 |
| Average equity | $48,036,000 | 1,564 |
| Average total loans | $338,942,200 | 1,415 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 3,753 |
| Cost of funding earning assets | 0.6923% | 1,000 |
| Net interest margin | 3.1826% | 4,500 |
| Noninterest income to average assets | 0.5475% | 2,739 |
| Noninterest expense to average assets | 2.4194% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8611% | 3,225 |
| Return on assets (ROA) | 0.8747% | 3,199 |
| Pretax return on assets | 1.0874% | 3,349 |
| Return on Equity (ROE) | 8.8983% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.8738% | 2,320 |
| Net charge-offs to loans | 0.0555% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.9575% | 1,620 |
| Efficiency ratio | 69.3260% | 2,647 |
| Assets per employee ($millions) | 5.0547% | 2,389 |
| Cash dividends to net income (ytd only)* | 33.9901% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,527 |
| Loan loss allowance to noncurrent loans | 65.1666% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 1,423 |
| Noncurrent loans to loans | 1.6771% | 1,084 |
| Net loans and leases to total assets | 67.5665% | 2,904 |
| Net loans and leases to deposits | 84.4644% | 2,499 |
| Net loans and leases to core deposits | 87.1440% | 2,863 |
| Total domestic deposits to total assets | 79.9941% | 4,315 |
| Equity capital to assets | 9.8257% | 4,112 |
| Core capital (leverage) ratio | 9.8725% | 3,729 |
| Tier 1 risk-based capital ratio | 16.4990% | 2,328 |
| Total risk-based capital ratio | 17.7500% | 2,279 |
| Memoranda: | ||
| Average total assets | $487,494,250 | 1,447 |
| Average earning assets | $450,688,500 | 1,444 |
| Average equity | $47,918,000 | 1,588 |
| Average total loans | $336,348,250 | 1,430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 3,638 |
| Cost of funding earning assets | 0.6889% | 947 |
| Net interest margin | 3.1879% | 4,454 |
| Noninterest income to average assets | 0.5282% | 2,841 |
| Noninterest expense to average assets | 2.4202% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8555% | 3,133 |
| Return on assets (ROA) | 0.8589% | 3,168 |
| Pretax return on assets | 1.0563% | 3,353 |
| Return on Equity (ROE) | 8.7367% | 2,640 |
| Retained earnings to average equity (ytd only) | 5.7051% | 2,288 |
| Net charge-offs to loans | 0.0723% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.0083% | 1,767 |
| Efficiency ratio | 69.6984% | 2,722 |
| Assets per employee ($millions) | 4.8099% | 2,631 |
| Cash dividends to net income (ytd only)* | 34.6988% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,593 |
| Loan loss allowance to noncurrent loans | 51.8288% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4941% | 1,022 |
| Noncurrent loans to loans | 2.1187% | 782 |
| Net loans and leases to total assets | 68.9336% | 2,677 |
| Net loans and leases to deposits | 85.8979% | 2,238 |
| Net loans and leases to core deposits | 88.4239% | 2,669 |
| Total domestic deposits to total assets | 80.2506% | 4,356 |
| Equity capital to assets | 9.9151% | 4,006 |
| Core capital (leverage) ratio | 9.8375% | 3,735 |
| Tier 1 risk-based capital ratio | 16.4760% | 2,334 |
| Total risk-based capital ratio | 17.7275% | 2,279 |
| Memoranda: | ||
| Average total assets | $483,188,330 | 1,464 |
| Average earning assets | $446,244,000 | 1,461 |
| Average equity | $47,501,000 | 1,602 |
| Average total loans | $334,515,330 | 1,436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 3,602 |
| Cost of funding earning assets | 0.6819% | 919 |
| Net interest margin | 3.1628% | 4,462 |
| Noninterest income to average assets | 0.5147% | 2,879 |
| Noninterest expense to average assets | 2.3976% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8524% | 2,982 |
| Return on assets (ROA) | 0.8593% | 2,994 |
| Pretax return on assets | 1.0470% | 3,175 |
| Return on Equity (ROE) | 8.7791% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.7704% | 2,455 |
| Net charge-offs to loans | 0.0883% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.0548% | 1,613 |
| Efficiency ratio | 69.7742% | 2,931 |
| Assets per employee ($millions) | 4.7279% | 2,799 |
| Cash dividends to net income (ytd only)* | 34.2718% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,518 |
| Loan loss allowance to noncurrent loans | 63.8409% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 1,360 |
| Noncurrent loans to loans | 1.7702% | 1,069 |
| Net loans and leases to total assets | 68.9913% | 2,532 |
| Net loans and leases to deposits | 85.3971% | 2,102 |
| Net loans and leases to core deposits | 87.9482% | 2,552 |
| Total domestic deposits to total assets | 80.7889% | 4,464 |
| Equity capital to assets | 9.8193% | 3,954 |
| Core capital (leverage) ratio | 9.8648% | 3,672 |
| Tier 1 risk-based capital ratio | 16.5071% | 2,357 |
| Total risk-based capital ratio | 17.7590% | 2,302 |
| Memoranda: | ||
| Average total assets | $479,479,000 | 1,473 |
| Average earning assets | $442,902,000 | 1,476 |
| Average equity | $46,929,500 | 1,618 |
| Average total loans | $330,799,000 | 1,454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,274 |
| Cost of funding earning assets | 0.7233% | 728 |
| Net interest margin | 3.2550% | 4,282 |
| Noninterest income to average assets | 0.5155% | 3,128 |
| Noninterest expense to average assets | 2.4690% | 4,109 |
| Loan and lease loss provision to assets | 0.0847% | 2,661 |
| Net operating income to assets | 0.8178% | 3,221 |
| Return on assets (ROA) | 0.8505% | 3,177 |
| Pretax return on assets | 1.0223% | 3,397 |
| Return on Equity (ROE) | 8.6428% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.0876% | 2,293 |
| Net charge-offs to loans | -0.0012% | 4,665 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8126% | 2,933 |
| Assets per employee ($millions) | 4.7199% | 2,758 |
| Cash dividends to net income (ytd only)* | 41.1355% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,168 |
| Loan loss allowance to noncurrent loans | 62.0855% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 1,309 |
| Noncurrent loans to loans | 1.9204% | 959 |
| Net loans and leases to total assets | 67.3805% | 2,873 |
| Net loans and leases to deposits | 82.6173% | 2,597 |
| Net loans and leases to core deposits | 84.6698% | 2,963 |
| Total domestic deposits to total assets | 81.5574% | 4,193 |
| Equity capital to assets | 9.7556% | 4,004 |
| Core capital (leverage) ratio | 9.7348% | 3,816 |
| Tier 1 risk-based capital ratio | 17.0146% | 2,155 |
| Total risk-based capital ratio | 18.2678% | 2,108 |
| Memoranda: | ||
| Average total assets | $472,183,400 | 1,446 |
| Average earning assets | $438,246,800 | 1,449 |
| Average equity | $46,466,200 | 1,627 |
| Average total loans | $324,612,200 | 1,437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,326 |
| Cost of funding earning assets | 0.7297% | 699 |
| Net interest margin | 3.2396% | 4,376 |
| Noninterest income to average assets | 0.5146% | 3,152 |
| Noninterest expense to average assets | 2.4832% | 4,034 |
| Loan and lease loss provision to assets | 0.1132% | 2,040 |
| Net operating income to assets | 0.7817% | 3,445 |
| Return on assets (ROA) | 0.8259% | 3,381 |
| Pretax return on assets | 0.9816% | 3,701 |
| Return on Equity (ROE) | 8.3747% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.3353% | 2,595 |
| Net charge-offs to loans | 0.0033% | 3,818 |
| Credit loss provision to net charge-offs | 5,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 460.0947% | 192 |
| Efficiency ratio | 70.4376% | 2,829 |
| Assets per employee ($millions) | 4.9089% | 2,480 |
| Cash dividends to net income (ytd only)* | 36.2919% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 3,302 |
| Loan loss allowance to noncurrent loans | 59.2365% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 1,367 |
| Noncurrent loans to loans | 2.0085% | 971 |
| Net loans and leases to total assets | 67.3934% | 2,889 |
| Net loans and leases to deposits | 82.1483% | 2,712 |
| Net loans and leases to core deposits | 84.3074% | 3,093 |
| Total domestic deposits to total assets | 82.0387% | 3,926 |
| Equity capital to assets | 9.9583% | 4,168 |
| Core capital (leverage) ratio | 9.7397% | 3,889 |
| Tier 1 risk-based capital ratio | 16.9027% | 2,256 |
| Total risk-based capital ratio | 18.1558% | 2,216 |
| Memoranda: | ||
| Average total assets | $471,051,250 | 1,452 |
| Average earning assets | $437,784,000 | 1,451 |
| Average equity | $46,456,250 | 1,632 |
| Average total loans | $324,493,500 | 1,432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,342 |
| Cost of funding earning assets | 0.7330% | 685 |
| Net interest margin | 3.2382% | 4,415 |
| Noninterest income to average assets | 0.4917% | 3,250 |
| Noninterest expense to average assets | 2.4873% | 4,064 |
| Loan and lease loss provision to assets | 0.1704% | 1,300 |
| Net operating income to assets | 0.7210% | 3,694 |
| Return on assets (ROA) | 0.7892% | 3,507 |
| Pretax return on assets | 0.9213% | 3,870 |
| Return on Equity (ROE) | 8.0285% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.9680% | 2,759 |
| Net charge-offs to loans | 0.0037% | 3,574 |
| Credit loss provision to net charge-offs | 6,666.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 175 |
| Efficiency ratio | 71.0703% | 2,808 |
| Assets per employee ($millions) | 4.8600% | 2,466 |
| Cash dividends to net income (ytd only)* | 38.1210% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,400 |
| Loan loss allowance to noncurrent loans | 55.3551% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 1,289 |
| Noncurrent loans to loans | 2.1565% | 892 |
| Net loans and leases to total assets | 67.1864% | 2,917 |
| Net loans and leases to deposits | 82.1897% | 2,685 |
| Net loans and leases to core deposits | 84.2300% | 3,062 |
| Total domestic deposits to total assets | 81.7455% | 4,074 |
| Equity capital to assets | 9.8783% | 4,360 |
| Core capital (leverage) ratio | 9.6718% | 3,969 |
| Tier 1 risk-based capital ratio | 16.7037% | 2,347 |
| Total risk-based capital ratio | 17.9571% | 2,302 |
| Memoranda: | ||
| Average total assets | $469,346,000 | 1,463 |
| Average earning assets | $435,989,670 | 1,464 |
| Average equity | $46,135,670 | 1,643 |
| Average total loans | $324,401,670 | 1,435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,251 |
| Cost of funding earning assets | 0.7370% | 670 |
| Net interest margin | 3.2554% | 4,379 |
| Noninterest income to average assets | 0.4903% | 3,195 |
| Noninterest expense to average assets | 2.4994% | 4,069 |
| Loan and lease loss provision to assets | 0.3434% | 435 |
| Net operating income to assets | 0.5971% | 4,187 |
| Return on assets (ROA) | 0.7392% | 3,648 |
| Pretax return on assets | 0.8337% | 4,086 |
| Return on Equity (ROE) | 7.5395% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.4484% | 3,263 |
| Net charge-offs to loans | 0.0086% | 2,837 |
| Credit loss provision to net charge-offs | 5,714.2857% | 67 |
| Earnings coverage of net charge-offs (x) | 169.2857% | 360 |
| Efficiency ratio | 71.0693% | 2,948 |
| Assets per employee ($millions) | 4.9465% | 2,399 |
| Cash dividends to net income (ytd only)* | 40.9988% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,572 |
| Loan loss allowance to noncurrent loans | 56.4417% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 1,373 |
| Noncurrent loans to loans | 2.0997% | 999 |
| Net loans and leases to total assets | 69.2918% | 2,459 |
| Net loans and leases to deposits | 84.8114% | 2,214 |
| Net loans and leases to core deposits | 87.1519% | 2,644 |
| Total domestic deposits to total assets | 81.7011% | 4,306 |
| Equity capital to assets | 9.9078% | 4,202 |
| Core capital (leverage) ratio | 9.6724% | 3,943 |
| Tier 1 risk-based capital ratio | 16.5124% | 2,475 |
| Total risk-based capital ratio | 17.7659% | 2,425 |
| Memoranda: | ||
| Average total assets | $465,880,000 | 1,469 |
| Average earning assets | $433,130,500 | 1,471 |
| Average equity | $45,679,500 | 1,651 |
| Average total loans | $324,672,500 | 1,426 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,274 |
| Cost of funding earning assets | 0.7736% | 563 |
| Net interest margin | 3.2376% | 4,511 |
| Noninterest income to average assets | 0.5829% | 2,818 |
| Noninterest expense to average assets | 2.4746% | 4,307 |
| Loan and lease loss provision to assets | 0.0812% | 2,666 |
| Net operating income to assets | 0.8697% | 3,020 |
| Return on assets (ROA) | 0.8869% | 3,028 |
| Pretax return on assets | 1.0531% | 3,256 |
| Return on Equity (ROE) | 9.1681% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,395 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9605% | 3,407 |
| Assets per employee ($millions) | 4.6679% | 2,780 |
| Cash dividends to net income (ytd only)* | 45.1510% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 4,188 |
| Loan loss allowance to noncurrent loans | 114.7389% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 3,106 |
| Noncurrent loans to loans | 0.9360% | 2,467 |
| Net loans and leases to total assets | 68.5154% | 2,622 |
| Net loans and leases to deposits | 85.8054% | 2,156 |
| Net loans and leases to core deposits | 88.2232% | 2,579 |
| Total domestic deposits to total assets | 79.8497% | 4,778 |
| Equity capital to assets | 9.7026% | 4,301 |
| Core capital (leverage) ratio | 9.4997% | 4,167 |
| Tier 1 risk-based capital ratio | 16.4460% | 2,513 |
| Total risk-based capital ratio | 17.6976% | 2,465 |
| Memoranda: | ||
| Average total assets | $459,224,000 | 1,462 |
| Average earning assets | $426,305,000 | 1,460 |
| Average equity | $44,425,800 | 1,661 |
| Average total loans | $310,203,400 | 1,431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,110 |
| Cost of funding earning assets | 0.7801% | 560 |
| Net interest margin | 3.2777% | 4,433 |
| Noninterest income to average assets | 0.5895% | 2,807 |
| Noninterest expense to average assets | 2.4979% | 4,200 |
| Loan and lease loss provision to assets | 0.0988% | 2,203 |
| Net operating income to assets | 0.8657% | 3,107 |
| Return on assets (ROA) | 0.8880% | 3,095 |
| Pretax return on assets | 1.0621% | 3,365 |
| Return on Equity (ROE) | 9.1863% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.5371% | 2,555 |
| Net charge-offs to loans | -0.0009% | 4,661 |
| Credit loss provision to net charge-offs | -16,950.0000% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7696% | 3,411 |
| Assets per employee ($millions) | 4.6929% | 2,718 |
| Cash dividends to net income (ytd only)* | 39.7242% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,347 |
| Loan loss allowance to noncurrent loans | 153.4344% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 3,881 |
| Noncurrent loans to loans | 0.7025% | 3,224 |
| Net loans and leases to total assets | 67.9515% | 2,684 |
| Net loans and leases to deposits | 84.4519% | 2,349 |
| Net loans and leases to core deposits | 86.9313% | 2,757 |
| Total domestic deposits to total assets | 80.4618% | 4,616 |
| Equity capital to assets | 9.7079% | 4,507 |
| Core capital (leverage) ratio | 9.5462% | 4,243 |
| Tier 1 risk-based capital ratio | 16.3231% | 2,663 |
| Total risk-based capital ratio | 17.5748% | 2,608 |
| Memoranda: | ||
| Average total assets | $457,331,750 | 1,477 |
| Average earning assets | $424,561,500 | 1,471 |
| Average equity | $44,209,500 | 1,675 |
| Average total loans | $306,930,000 | 1,451 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,047 |
| Cost of funding earning assets | 0.8011% | 498 |
| Net interest margin | 3.2581% | 4,465 |
| Noninterest income to average assets | 0.5966% | 2,762 |
| Noninterest expense to average assets | 2.4770% | 4,311 |
| Loan and lease loss provision to assets | 0.1011% | 2,144 |
| Net operating income to assets | 0.8687% | 3,049 |
| Return on assets (ROA) | 0.9030% | 2,983 |
| Pretax return on assets | 1.0833% | 3,243 |
| Return on Equity (ROE) | 9.3551% | 2,363 |
| Retained earnings to average equity (ytd only) | 5.6841% | 2,420 |
| Net charge-offs to loans | -0.0007% | 4,551 |
| Credit loss provision to net charge-offs | -23,000.0000% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4236% | 3,608 |
| Assets per employee ($millions) | 4.8541% | 2,466 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,473 |
| Loan loss allowance to noncurrent loans | 146.7607% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 3,905 |
| Noncurrent loans to loans | 0.7308% | 3,288 |
| Net loans and leases to total assets | 67.3159% | 2,747 |
| Net loans and leases to deposits | 82.5078% | 2,493 |
| Net loans and leases to core deposits | 84.9883% | 2,883 |
| Total domestic deposits to total assets | 81.5873% | 4,421 |
| Equity capital to assets | 9.6668% | 4,449 |
| Core capital (leverage) ratio | 9.5163% | 4,263 |
| Tier 1 risk-based capital ratio | 16.3234% | 2,702 |
| Total risk-based capital ratio | 17.5748% | 2,657 |
| Memoranda: | ||
| Average total assets | $454,911,330 | 1,492 |
| Average earning assets | $422,151,330 | 1,487 |
| Average equity | $43,912,000 | 1,693 |
| Average total loans | $302,860,670 | 1,468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 2,923 |
| Cost of funding earning assets | 0.8291% | 425 |
| Net interest margin | 3.2492% | 4,423 |
| Noninterest income to average assets | 0.6191% | 2,550 |
| Noninterest expense to average assets | 2.4737% | 4,353 |
| Loan and lease loss provision to assets | 0.1761% | 1,102 |
| Net operating income to assets | 0.8294% | 3,119 |
| Return on assets (ROA) | 0.8982% | 2,878 |
| Pretax return on assets | 1.0673% | 3,230 |
| Return on Equity (ROE) | 9.3121% | 2,309 |
| Retained earnings to average equity (ytd only) | 5.6329% | 2,693 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0475% | 3,815 |
| Assets per employee ($millions) | 4.9059% | 2,484 |
| Cash dividends to net income (ytd only)* | 39.5098% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,611 |
| Loan loss allowance to noncurrent loans | 133.9968% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 3,745 |
| Noncurrent loans to loans | 0.8071% | 3,226 |
| Net loans and leases to total assets | 66.1318% | 2,746 |
| Net loans and leases to deposits | 79.2948% | 2,640 |
| Net loans and leases to core deposits | 81.7755% | 2,982 |
| Total domestic deposits to total assets | 83.3999% | 4,046 |
| Equity capital to assets | 9.7008% | 4,510 |
| Core capital (leverage) ratio | 9.4292% | 4,382 |
| Tier 1 risk-based capital ratio | 16.4091% | 2,731 |
| Total risk-based capital ratio | 17.6603% | 2,671 |
| Memoranda: | ||
| Average total assets | $454,225,500 | 1,499 |
| Average earning assets | $421,637,000 | 1,498 |
| Average equity | $43,814,000 | 1,699 |
| Average total loans | $299,050,500 | 1,485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,835 |
| Cost of funding earning assets | 0.9023% | 386 |
| Net interest margin | 3.3317% | 4,470 |
| Noninterest income to average assets | 0.6573% | 2,515 |
| Noninterest expense to average assets | 2.5932% | 4,246 |
| Loan and lease loss provision to assets | 0.0805% | 2,873 |
| Net operating income to assets | 0.8797% | 2,978 |
| Return on assets (ROA) | 0.9568% | 2,674 |
| Pretax return on assets | 1.1460% | 2,892 |
| Return on Equity (ROE) | 10.1387% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.4787% | 2,276 |
| Net charge-offs to loans | -0.0776% | 6,051 |
| Credit loss provision to net charge-offs | -166.8246% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5817% | 3,612 |
| Assets per employee ($millions) | 4.6619% | 2,776 |
| Cash dividends to net income (ytd only)* | 45.9627% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 4,778 |
| Loan loss allowance to noncurrent loans | 135.5050% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 3,981 |
| Noncurrent loans to loans | 0.7803% | 3,355 |
| Net loans and leases to total assets | 64.1256% | 3,208 |
| Net loans and leases to deposits | 76.1702% | 3,177 |
| Net loans and leases to core deposits | 78.3478% | 3,482 |
| Total domestic deposits to total assets | 84.1873% | 3,632 |
| Equity capital to assets | 9.5904% | 4,603 |
| Core capital (leverage) ratio | 9.2409% | 4,617 |
| Tier 1 risk-based capital ratio | 16.8037% | 2,594 |
| Total risk-based capital ratio | 18.0550% | 2,543 |
| Memoranda: | ||
| Average total assets | $437,522,400 | 1,524 |
| Average earning assets | $403,092,200 | 1,516 |
| Average equity | $41,287,200 | 1,736 |
| Average total loans | $272,079,000 | 1,563 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 3,047 |
| Cost of funding earning assets | 0.9095% | 399 |
| Net interest margin | 3.2750% | 4,697 |
| Noninterest income to average assets | 0.6675% | 2,486 |
| Noninterest expense to average assets | 2.5787% | 4,261 |
| Loan and lease loss provision to assets | 0.0731% | 2,876 |
| Net operating income to assets | 0.8536% | 3,156 |
| Return on assets (ROA) | 0.9564% | 2,734 |
| Pretax return on assets | 1.1506% | 2,983 |
| Return on Equity (ROE) | 10.1779% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.8706% | 2,486 |
| Net charge-offs to loans | -0.0120% | 5,471 |
| Credit loss provision to net charge-offs | -991.6667% | 5,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1003% | 3,490 |
| Assets per employee ($millions) | 4.5747% | 2,845 |
| Cash dividends to net income (ytd only)* | 42.3201% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 5,223 |
| Loan loss allowance to noncurrent loans | 63.2031% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 2,864 |
| Noncurrent loans to loans | 1.5818% | 2,058 |
| Net loans and leases to total assets | 62.4381% | 3,421 |
| Net loans and leases to deposits | 72.5984% | 3,613 |
| Net loans and leases to core deposits | 74.6221% | 3,884 |
| Total domestic deposits to total assets | 86.0047% | 2,842 |
| Equity capital to assets | 9.5777% | 4,698 |
| Core capital (leverage) ratio | 9.4319% | 4,460 |
| Tier 1 risk-based capital ratio | 16.9009% | 2,650 |
| Total risk-based capital ratio | 18.1508% | 2,607 |
| Memoranda: | ||
| Average total assets | $433,853,000 | 1,544 |
| Average earning assets | $398,887,250 | 1,547 |
| Average equity | $40,767,000 | 1,758 |
| Average total loans | $266,830,000 | 1,601 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 2,996 |
| Cost of funding earning assets | 0.9177% | 389 |
| Net interest margin | 3.2701% | 4,701 |
| Noninterest income to average assets | 0.5969% | 2,827 |
| Noninterest expense to average assets | 2.5841% | 4,292 |
| Loan and lease loss provision to assets | 0.0669% | 2,927 |
| Net operating income to assets | 0.7904% | 3,379 |
| Return on assets (ROA) | 0.9476% | 2,659 |
| Pretax return on assets | 1.1306% | 2,972 |
| Return on Equity (ROE) | 10.1520% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.7827% | 2,462 |
| Net charge-offs to loans | 0.0061% | 4,169 |
| Credit loss provision to net charge-offs | 1,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 271.8750% | 253 |
| Efficiency ratio | 71.8920% | 3,363 |
| Assets per employee ($millions) | 4.6109% | 2,754 |
| Cash dividends to net income (ytd only)* | 43.0392% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,354 |
| Loan loss allowance to noncurrent loans | 56.1817% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 2,720 |
| Noncurrent loans to loans | 1.7785% | 1,937 |
| Net loans and leases to total assets | 60.4385% | 3,645 |
| Net loans and leases to deposits | 70.3475% | 3,777 |
| Net loans and leases to core deposits | 72.2569% | 4,022 |
| Total domestic deposits to total assets | 85.9143% | 3,085 |
| Equity capital to assets | 9.4930% | 4,758 |
| Core capital (leverage) ratio | 9.4613% | 4,381 |
| Tier 1 risk-based capital ratio | 17.4712% | 2,426 |
| Total risk-based capital ratio | 18.7211% | 2,400 |
| Memoranda: | ||
| Average total assets | $430,554,000 | 1,557 |
| Average earning assets | $394,662,330 | 1,552 |
| Average equity | $40,189,000 | 1,772 |
| Average total loans | $262,484,330 | 1,621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,872 |
| Cost of funding earning assets | 0.9301% | 386 |
| Net interest margin | 3.2707% | 4,668 |
| Noninterest income to average assets | 0.5811% | 2,853 |
| Noninterest expense to average assets | 2.6316% | 4,175 |
| Loan and lease loss provision to assets | 0.0319% | 3,404 |
| Net operating income to assets | 0.8116% | 3,100 |
| Return on assets (ROA) | 0.8116% | 3,170 |
| Pretax return on assets | 0.9100% | 3,659 |
| Return on Equity (ROE) | 8.7714% | 2,562 |
| Retained earnings to average equity (ytd only) | 4.3249% | 3,533 |
| Net charge-offs to loans | -0.0585% | 5,876 |
| Credit loss provision to net charge-offs | -89.4737% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6428% | 3,208 |
| Assets per employee ($millions) | 4.4121% | 3,125 |
| Cash dividends to net income (ytd only)* | 50.6928% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,520 |
| Loan loss allowance to noncurrent loans | 52.5171% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3533% | 2,611 |
| Noncurrent loans to loans | 1.9059% | 1,985 |
| Net loans and leases to total assets | 60.2734% | 3,516 |
| Net loans and leases to deposits | 69.3879% | 3,677 |
| Net loans and leases to core deposits | 71.3343% | 3,946 |
| Total domestic deposits to total assets | 86.8645% | 2,899 |
| Equity capital to assets | 9.3096% | 4,748 |
| Core capital (leverage) ratio | 9.4489% | 4,352 |
| Tier 1 risk-based capital ratio | 17.5959% | 2,452 |
| Total risk-based capital ratio | 18.8459% | 2,419 |
| Memoranda: | ||
| Average total assets | $426,811,000 | 1,575 |
| Average earning assets | $390,500,000 | 1,580 |
| Average equity | $39,492,000 | 1,786 |
| Average total loans | $260,018,000 | 1,634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,079 |
| Cost of funding earning assets | 1.0500% | 356 |
| Net interest margin | 3.2174% | 4,939 |
| Noninterest income to average assets | 0.7080% | 2,497 |
| Noninterest expense to average assets | 2.5713% | 4,550 |
| Loan and lease loss provision to assets | 0.0873% | 3,357 |
| Net operating income to assets | 0.8588% | 2,983 |
| Return on assets (ROA) | 0.9165% | 2,784 |
| Pretax return on assets | 1.0690% | 3,076 |
| Return on Equity (ROE) | 10.0059% | 2,112 |
| Retained earnings to average equity (ytd only) | 5.6428% | 2,190 |
| Net charge-offs to loans | 0.2517% | 2,464 |
| Credit loss provision to net charge-offs | 58.9825% | 3,598 |
| Earnings coverage of net charge-offs (x) | 7.3577% | 2,861 |
| Efficiency ratio | 70.2437% | 3,800 |
| Assets per employee ($millions) | 4.4338% | 3,021 |
| Cash dividends to net income (ytd only)* | 43.6055% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 5,677 |
| Loan loss allowance to noncurrent loans | 50.8726% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 2,741 |
| Noncurrent loans to loans | 1.9212% | 2,091 |
| Net loans and leases to total assets | 60.3638% | 3,646 |
| Net loans and leases to deposits | 69.4563% | 3,848 |
| Net loans and leases to core deposits | 71.5061% | 4,125 |
| Total domestic deposits to total assets | 86.9090% | 2,775 |
| Equity capital to assets | 9.1957% | 4,810 |
| Core capital (leverage) ratio | 9.2160% | 4,698 |
| Tier 1 risk-based capital ratio | 17.5650% | 2,384 |
| Total risk-based capital ratio | 18.8046% | 2,368 |
| Memoranda: | ||
| Average total assets | $424,881,000 | 1,558 |
| Average earning assets | $389,910,200 | 1,553 |
| Average equity | $38,917,000 | 1,792 |
| Average total loans | $249,917,200 | 1,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 3,214 |
| Cost of funding earning assets | 1.0651% | 366 |
| Net interest margin | 3.1829% | 5,049 |
| Noninterest income to average assets | 0.7280% | 2,471 |
| Noninterest expense to average assets | 2.5678% | 4,494 |
| Loan and lease loss provision to assets | 0.0882% | 3,299 |
| Net operating income to assets | 0.8552% | 3,075 |
| Return on assets (ROA) | 0.9017% | 2,940 |
| Pretax return on assets | 1.0467% | 3,313 |
| Return on Equity (ROE) | 9.8537% | 2,245 |
| Retained earnings to average equity (ytd only) | 5.8086% | 2,532 |
| Net charge-offs to loans | 0.3302% | 1,892 |
| Credit loss provision to net charge-offs | 45.8401% | 3,601 |
| Earnings coverage of net charge-offs (x) | 5.6167% | 3,146 |
| Efficiency ratio | 70.3752% | 3,696 |
| Assets per employee ($millions) | 4.3587% | 3,125 |
| Cash dividends to net income (ytd only)* | 41.0515% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 5,841 |
| Loan loss allowance to noncurrent loans | 47.8244% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3263% | 2,987 |
| Noncurrent loans to loans | 2.0284% | 2,219 |
| Net loans and leases to total assets | 58.2463% | 3,974 |
| Net loans and leases to deposits | 66.7558% | 4,207 |
| Net loans and leases to core deposits | 68.6788% | 4,469 |
| Total domestic deposits to total assets | 87.2527% | 2,532 |
| Equity capital to assets | 9.0051% | 5,181 |
| Core capital (leverage) ratio | 9.1743% | 4,871 |
| Tier 1 risk-based capital ratio | 17.5192% | 2,500 |
| Total risk-based capital ratio | 18.7101% | 2,493 |
| Memoranda: | ||
| Average total assets | $424,690,250 | 1,567 |
| Average earning assets | $389,697,250 | 1,561 |
| Average equity | $38,861,000 | 1,809 |
| Average total loans | $247,528,750 | 1,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,919 |
| Cost of funding earning assets | 1.0968% | 345 |
| Net interest margin | 3.2119% | 4,903 |
| Noninterest income to average assets | 0.7244% | 2,526 |
| Noninterest expense to average assets | 2.5605% | 4,520 |
| Loan and lease loss provision to assets | 0.0346% | 4,251 |
| Net operating income to assets | 0.9128% | 2,730 |
| Return on assets (ROA) | 0.9526% | 2,704 |
| Pretax return on assets | 1.1254% | 2,990 |
| Return on Equity (ROE) | 10.3546% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.3455% | 2,237 |
| Net charge-offs to loans | 0.3088% | 1,949 |
| Credit loss provision to net charge-offs | 19.2612% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.2032% | 2,757 |
| Efficiency ratio | 69.6997% | 3,884 |
| Assets per employee ($millions) | 4.3755% | 3,043 |
| Cash dividends to net income (ytd only)* | 38.7177% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,796 |
| Loan loss allowance to noncurrent loans | 50.6000% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 3,328 |
| Noncurrent loans to loans | 1.9872% | 2,415 |
| Net loans and leases to total assets | 57.7108% | 4,032 |
| Net loans and leases to deposits | 66.2393% | 4,240 |
| Net loans and leases to core deposits | 68.1829% | 4,477 |
| Total domestic deposits to total assets | 87.1248% | 2,747 |
| Equity capital to assets | 9.1792% | 5,019 |
| Core capital (leverage) ratio | 9.0850% | 4,847 |
| Tier 1 risk-based capital ratio | 17.9097% | 2,345 |
| Total risk-based capital ratio | 19.1360% | 2,327 |
| Memoranda: | ||
| Average total assets | $422,416,670 | 1,578 |
| Average earning assets | $387,870,330 | 1,567 |
| Average equity | $38,862,000 | 1,807 |
| Average total loans | $245,438,000 | 1,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,515 |
| Cost of funding earning assets | 1.1366% | 310 |
| Net interest margin | 3.2657% | 4,651 |
| Noninterest income to average assets | 0.7090% | 2,543 |
| Noninterest expense to average assets | 2.5286% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9695% | 2,354 |
| Return on assets (ROA) | 1.0128% | 2,289 |
| Pretax return on assets | 1.2245% | 2,489 |
| Return on Equity (ROE) | 10.9962% | 1,711 |
| Retained earnings to average equity (ytd only) | 7.0182% | 2,140 |
| Net charge-offs to loans | -0.0082% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3252% | 4,250 |
| Assets per employee ($millions) | 4.5020% | 2,971 |
| Cash dividends to net income (ytd only)* | 36.1762% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,404 |
| Loan loss allowance to noncurrent loans | 58.5687% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 3,595 |
| Noncurrent loans to loans | 1.9654% | 2,656 |
| Net loans and leases to total assets | 56.7969% | 3,964 |
| Net loans and leases to deposits | 65.2176% | 4,161 |
| Net loans and leases to core deposits | 67.0474% | 4,411 |
| Total domestic deposits to total assets | 87.0882% | 2,910 |
| Equity capital to assets | 9.2385% | 5,214 |
| Core capital (leverage) ratio | 9.2140% | 4,547 |
| Tier 1 risk-based capital ratio | 17.8675% | 2,423 |
| Total risk-based capital ratio | 19.1189% | 2,382 |
| Memoranda: | ||
| Average total assets | $421,411,000 | 1,595 |
| Average earning assets | $386,075,000 | 1,583 |
| Average equity | $38,813,500 | 1,830 |
| Average total loans | $244,442,500 | 1,698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 2,263 |
| Cost of funding earning assets | 1.4088% | 247 |
| Net interest margin | 3.3732% | 4,982 |
| Noninterest income to average assets | 0.7815% | 2,345 |
| Noninterest expense to average assets | 2.4117% | 5,375 |
| Loan and lease loss provision to assets | 0.0793% | 4,715 |
| Net operating income to assets | 1.1171% | 1,881 |
| Return on assets (ROA) | 1.1496% | 1,939 |
| Pretax return on assets | 1.4335% | 1,927 |
| Return on Equity (ROE) | 12.6395% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,049 |
| Net charge-offs to loans | 0.2447% | 3,473 |
| Credit loss provision to net charge-offs | 52.6829% | 4,627 |
| Earnings coverage of net charge-offs (x) | 9.7805% | 2,224 |
| Efficiency ratio | 62.0959% | 5,223 |
| Assets per employee ($millions) | 4.2387% | 3,479 |
| Cash dividends to net income (ytd only)* | 34.7456% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,397 |
| Loan loss allowance to noncurrent loans | 54.6343% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 3,527 |
| Noncurrent loans to loans | 2.0812% | 2,604 |
| Net loans and leases to total assets | 57.8920% | 3,998 |
| Net loans and leases to deposits | 66.4610% | 4,212 |
| Net loans and leases to core deposits | 68.4798% | 4,484 |
| Total domestic deposits to total assets | 87.1067% | 2,770 |
| Equity capital to assets | 9.1820% | 5,289 |
| Core capital (leverage) ratio | 8.8193% | 5,149 |
| Tier 1 risk-based capital ratio | 17.5885% | 2,422 |
| Total risk-based capital ratio | 18.8403% | 2,387 |
| Memoranda: | ||
| Average total assets | $408,591,000 | 1,602 |
| Average earning assets | $375,781,600 | 1,592 |
| Average equity | $37,161,200 | 1,866 |
| Average total loans | $251,332,200 | 1,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 2,247 |
| Cost of funding earning assets | 1.4316% | 264 |
| Net interest margin | 3.4074% | 5,011 |
| Noninterest income to average assets | 0.7510% | 2,478 |
| Noninterest expense to average assets | 2.3776% | 5,466 |
| Loan and lease loss provision to assets | 0.0680% | 4,834 |
| Net operating income to assets | 1.1480% | 1,917 |
| Return on assets (ROA) | 1.1916% | 1,949 |
| Pretax return on assets | 1.4988% | 1,881 |
| Return on Equity (ROE) | 13.1343% | 1,304 |
| Retained earnings to average equity (ytd only) | 9.7231% | 993 |
| Net charge-offs to loans | 0.2648% | 3,131 |
| Credit loss provision to net charge-offs | 41.2351% | 4,590 |
| Earnings coverage of net charge-offs (x) | 9.1693% | 2,360 |
| Efficiency ratio | 61.1233% | 5,297 |
| Assets per employee ($millions) | 4.3732% | 3,119 |
| Cash dividends to net income (ytd only)* | 25.9719% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,739 |
| Loan loss allowance to noncurrent loans | 51.6571% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 3,654 |
| Noncurrent loans to loans | 2.1186% | 2,705 |
| Net loans and leases to total assets | 59.4388% | 3,886 |
| Net loans and leases to deposits | 69.0798% | 4,011 |
| Net loans and leases to core deposits | 70.9948% | 4,377 |
| Total domestic deposits to total assets | 86.0436% | 3,233 |
| Equity capital to assets | 9.0236% | 5,806 |
| Core capital (leverage) ratio | 8.8809% | 5,221 |
| Tier 1 risk-based capital ratio | 17.9880% | 2,354 |
| Total risk-based capital ratio | 19.2403% | 2,332 |
| Memoranda: | ||
| Average total assets | $405,830,000 | 1,622 |
| Average earning assets | $373,842,000 | 1,612 |
| Average equity | $36,818,750 | 1,904 |
| Average total loans | $252,733,000 | 1,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 2,062 |
| Cost of funding earning assets | 1.4648% | 271 |
| Net interest margin | 3.4472% | 4,892 |
| Noninterest income to average assets | 0.7836% | 2,273 |
| Noninterest expense to average assets | 2.3948% | 5,478 |
| Loan and lease loss provision to assets | 0.0555% | 4,968 |
| Net operating income to assets | 1.1902% | 1,746 |
| Return on assets (ROA) | 1.2289% | 1,806 |
| Pretax return on assets | 1.5546% | 1,695 |
| Return on Equity (ROE) | 13.5196% | 1,232 |
| Retained earnings to average equity (ytd only) | 9.9636% | 985 |
| Net charge-offs to loans | 0.3913% | 2,456 |
| Credit loss provision to net charge-offs | 22.5152% | 4,567 |
| Earnings coverage of net charge-offs (x) | 6.3286% | 2,657 |
| Efficiency ratio | 60.5363% | 5,493 |
| Assets per employee ($millions) | 4.4949% | 2,909 |
| Cash dividends to net income (ytd only)* | 26.3029% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,909 |
| Loan loss allowance to noncurrent loans | 52.6901% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 3,798 |
| Noncurrent loans to loans | 2.0221% | 2,925 |
| Net loans and leases to total assets | 60.6955% | 3,683 |
| Net loans and leases to deposits | 70.5691% | 3,810 |
| Net loans and leases to core deposits | 72.5158% | 4,243 |
| Total domestic deposits to total assets | 86.0086% | 3,351 |
| Equity capital to assets | 9.0087% | 5,691 |
| Core capital (leverage) ratio | 8.8270% | 5,171 |
| Tier 1 risk-based capital ratio | 16.6498% | 2,831 |
| Total risk-based capital ratio | 17.9005% | 2,781 |
| Memoranda: | ||
| Average total assets | $399,706,330 | 1,654 |
| Average earning assets | $367,830,000 | 1,644 |
| Average equity | $36,332,330 | 1,916 |
| Average total loans | $252,000,670 | 1,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 1,829 |
| Cost of funding earning assets | 1.4879% | 305 |
| Net interest margin | 3.5311% | 4,567 |
| Noninterest income to average assets | 0.7179% | 2,563 |
| Noninterest expense to average assets | 2.4532% | 5,305 |
| Loan and lease loss provision to assets | 0.0102% | 5,170 |
| Net operating income to assets | 1.1935% | 1,756 |
| Return on assets (ROA) | 1.1935% | 1,942 |
| Pretax return on assets | 1.5051% | 1,858 |
| Return on Equity (ROE) | 13.0689% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.9243% | 1,286 |
| Net charge-offs to loans | 0.8107% | 1,267 |
| Credit loss provision to net charge-offs | 1.9646% | 3,982 |
| Earnings coverage of net charge-offs (x) | 2.9234% | 3,013 |
| Efficiency ratio | 61.8168% | 5,305 |
| Assets per employee ($millions) | 4.4309% | 3,127 |
| Cash dividends to net income (ytd only)* | 24.0614% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,154 |
| Loan loss allowance to noncurrent loans | 61.5568% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,239 |
| Noncurrent loans to loans | 1.6703% | 3,597 |
| Net loans and leases to total assets | 62.4231% | 3,167 |
| Net loans and leases to deposits | 72.7752% | 3,307 |
| Net loans and leases to core deposits | 74.7892% | 3,786 |
| Total domestic deposits to total assets | 85.7753% | 3,649 |
| Equity capital to assets | 9.1056% | 5,352 |
| Core capital (leverage) ratio | 9.0961% | 4,689 |
| Tier 1 risk-based capital ratio | 16.8543% | 2,736 |
| Total risk-based capital ratio | 18.1087% | 2,690 |
| Memoranda: | ||
| Average total assets | $392,793,000 | 1,691 |
| Average earning assets | $361,590,500 | 1,678 |
| Average equity | $35,871,500 | 1,937 |
| Average total loans | $251,151,500 | 1,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2585% | 1,838 |
| Cost of funding earning assets | 1.6168% | 444 |
| Net interest margin | 3.6417% | 4,555 |
| Noninterest income to average assets | 0.8087% | 2,012 |
| Noninterest expense to average assets | 2.4872% | 5,513 |
| Loan and lease loss provision to assets | 0.2603% | 3,608 |
| Net operating income to assets | 1.1394% | 1,698 |
| Return on assets (ROA) | 1.1402% | 1,815 |
| Pretax return on assets | 1.4305% | 1,681 |
| Return on Equity (ROE) | 12.6844% | 1,234 |
| Retained earnings to average equity (ytd only) | 9.5738% | 654 |
| Net charge-offs to loans | 0.0209% | 6,152 |
| Credit loss provision to net charge-offs | 1,925.4902% | 119 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 260 |
| Efficiency ratio | 59.4581% | 5,834 |
| Assets per employee ($millions) | 4.4461% | 2,995 |
| Cash dividends to net income (ytd only)* | 24.5235% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,258 |
| Loan loss allowance to noncurrent loans | 479.0373% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,320 |
| Noncurrent loans to loans | 0.2568% | 6,215 |
| Net loans and leases to total assets | 64.0375% | 3,186 |
| Net loans and leases to deposits | 74.9078% | 3,358 |
| Net loans and leases to core deposits | 76.8536% | 3,850 |
| Total domestic deposits to total assets | 85.4884% | 3,602 |
| Equity capital to assets | 9.1601% | 5,345 |
| Core capital (leverage) ratio | 8.9601% | 4,847 |
| Tier 1 risk-based capital ratio | 16.5371% | 2,804 |
| Total risk-based capital ratio | 17.7910% | 2,768 |
| Memoranda: | ||
| Average total assets | $377,287,000 | 1,724 |
| Average earning assets | $348,958,000 | 1,697 |
| Average equity | $33,915,600 | 1,969 |
| Average total loans | $243,497,000 | 1,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2623% | 1,985 |
| Cost of funding earning assets | 1.6529% | 468 |
| Net interest margin | 3.6094% | 4,733 |
| Noninterest income to average assets | 0.8012% | 2,053 |
| Noninterest expense to average assets | 2.5083% | 5,435 |
| Loan and lease loss provision to assets | 0.1615% | 4,451 |
| Net operating income to assets | 1.1671% | 1,754 |
| Return on assets (ROA) | 1.1683% | 1,867 |
| Pretax return on assets | 1.4745% | 1,726 |
| Return on Equity (ROE) | 13.0601% | 1,262 |
| Retained earnings to average equity (ytd only) | 9.9591% | 855 |
| Net charge-offs to loans | 0.0259% | 5,780 |
| Credit loss provision to net charge-offs | 965.9574% | 275 |
| Earnings coverage of net charge-offs (x) | 97.7796% | 372 |
| Efficiency ratio | 60.4344% | 5,644 |
| Assets per employee ($millions) | 4.3827% | 3,104 |
| Cash dividends to net income (ytd only)* | 23.7442% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,066 |
| Loan loss allowance to noncurrent loans | 266.7708% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,204 |
| Noncurrent loans to loans | 0.3919% | 6,072 |
| Net loans and leases to total assets | 63.5733% | 3,402 |
| Net loans and leases to deposits | 74.4112% | 3,599 |
| Net loans and leases to core deposits | 76.3634% | 4,156 |
| Total domestic deposits to total assets | 85.4352% | 3,537 |
| Equity capital to assets | 9.1488% | 5,586 |
| Core capital (leverage) ratio | 8.9748% | 4,974 |
| Tier 1 risk-based capital ratio | 16.6807% | 2,769 |
| Total risk-based capital ratio | 17.9317% | 2,735 |
| Memoranda: | ||
| Average total assets | $374,906,500 | 1,738 |
| Average earning assets | $347,089,750 | 1,719 |
| Average equity | $33,536,500 | 1,992 |
| Average total loans | $241,674,250 | 1,747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 2,067 |
| Cost of funding earning assets | 1.7105% | 449 |
| Net interest margin | 3.5385% | 4,982 |
| Noninterest income to average assets | 0.7930% | 2,054 |
| Noninterest expense to average assets | 2.5243% | 5,446 |
| Loan and lease loss provision to assets | 0.0810% | 5,298 |
| Net operating income to assets | 1.1593% | 1,691 |
| Return on assets (ROA) | 1.1610% | 1,763 |
| Pretax return on assets | 1.4674% | 1,620 |
| Return on Equity (ROE) | 13.0805% | 1,181 |
| Retained earnings to average equity (ytd only) | 9.9797% | 842 |
| Net charge-offs to loans | 0.0449% | 5,223 |
| Credit loss provision to net charge-offs | 279.6296% | 1,089 |
| Earnings coverage of net charge-offs (x) | 53.3704% | 591 |
| Efficiency ratio | 61.9085% | 5,595 |
| Assets per employee ($millions) | 4.3172% | 3,137 |
| Cash dividends to net income (ytd only)* | 23.7061% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 6,581 |
| Loan loss allowance to noncurrent loans | 134.3881% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 5,967 |
| Noncurrent loans to loans | 0.6900% | 5,526 |
| Net loans and leases to total assets | 64.0354% | 3,450 |
| Net loans and leases to deposits | 74.9424% | 3,654 |
| Net loans and leases to core deposits | 76.8325% | 4,207 |
| Total domestic deposits to total assets | 85.4461% | 3,648 |
| Equity capital to assets | 9.0773% | 5,468 |
| Core capital (leverage) ratio | 8.7565% | 5,125 |
| Tier 1 risk-based capital ratio | 16.3226% | 2,821 |
| Total risk-based capital ratio | 17.5153% | 2,818 |
| Memoranda: | ||
| Average total assets | $372,777,000 | 1,758 |
| Average earning assets | $345,285,000 | 1,735 |
| Average equity | $33,087,330 | 1,998 |
| Average total loans | $240,578,000 | 1,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 1,988 |
| Cost of funding earning assets | 1.7369% | 480 |
| Net interest margin | 3.5297% | 4,883 |
| Noninterest income to average assets | 0.6937% | 2,614 |
| Noninterest expense to average assets | 2.5517% | 5,383 |
| Loan and lease loss provision to assets | 0.0259% | 5,640 |
| Net operating income to assets | 1.1092% | 1,808 |
| Return on assets (ROA) | 1.1126% | 1,851 |
| Pretax return on assets | 1.3841% | 1,770 |
| Return on Equity (ROE) | 12.6811% | 1,279 |
| Retained earnings to average equity (ytd only) | 9.5753% | 1,220 |
| Net charge-offs to loans | -0.0150% | 6,483 |
| Credit loss provision to net charge-offs | -266.6667% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3713% | 5,302 |
| Assets per employee ($millions) | 4.3491% | 3,133 |
| Cash dividends to net income (ytd only)* | 24.4918% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,676 |
| Loan loss allowance to noncurrent loans | 224.0779% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 6,461 |
| Noncurrent loans to loans | 0.4057% | 6,188 |
| Net loans and leases to total assets | 64.4882% | 3,354 |
| Net loans and leases to deposits | 75.5017% | 3,494 |
| Net loans and leases to core deposits | 77.4833% | 4,094 |
| Total domestic deposits to total assets | 85.4128% | 3,831 |
| Equity capital to assets | 8.9005% | 5,344 |
| Core capital (leverage) ratio | 8.6638% | 5,152 |
| Tier 1 risk-based capital ratio | 15.9581% | 2,920 |
| Total risk-based capital ratio | 17.1121% | 2,938 |
| Memoranda: | ||
| Average total assets | $371,367,000 | 1,778 |
| Average earning assets | $343,369,500 | 1,754 |
| Average equity | $32,584,000 | 2,010 |
| Average total loans | $239,484,000 | 1,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 2,701 |
| Cost of funding earning assets | 1.9784% | 653 |
| Net interest margin | 3.4148% | 5,574 |
| Noninterest income to average assets | 0.7085% | 2,794 |
| Noninterest expense to average assets | 2.4793% | 5,863 |
| Loan and lease loss provision to assets | 0.0924% | 6,220 |
| Net operating income to assets | 1.0159% | 1,980 |
| Return on assets (ROA) | 1.0549% | 1,955 |
| Pretax return on assets | 1.3444% | 1,820 |
| Return on Equity (ROE) | 12.4691% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.2324% | 654 |
| Net charge-offs to loans | 0.4454% | 3,831 |
| Credit loss provision to net charge-offs | 33.2016% | 6,473 |
| Earnings coverage of net charge-offs (x) | 4.9842% | 2,748 |
| Efficiency ratio | 64.0094% | 5,354 |
| Assets per employee ($millions) | 4.4412% | 2,960 |
| Cash dividends to net income (ytd only)* | 25.9578% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,710 |
| Loan loss allowance to noncurrent loans | 212.0079% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 6,474 |
| Noncurrent loans to loans | 0.4262% | 6,194 |
| Net loans and leases to total assets | 63.3225% | 4,006 |
| Net loans and leases to deposits | 74.2944% | 4,144 |
| Net loans and leases to core deposits | 76.4348% | 4,645 |
| Total domestic deposits to total assets | 85.2319% | 3,737 |
| Equity capital to assets | 8.6487% | 5,660 |
| Core capital (leverage) ratio | 8.3933% | 5,545 |
| Tier 1 risk-based capital ratio | 15.5553% | 2,974 |
| Total risk-based capital ratio | 16.6845% | 2,988 |
| Memoranda: | ||
| Average total assets | $363,737,800 | 1,801 |
| Average earning assets | $336,334,000 | 1,771 |
| Average equity | $30,772,000 | 2,127 |
| Average total loans | $227,187,200 | 1,922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 2,962 |
| Cost of funding earning assets | 2.0364% | 669 |
| Net interest margin | 3.3457% | 5,861 |
| Noninterest income to average assets | 0.7006% | 2,809 |
| Noninterest expense to average assets | 2.5053% | 5,703 |
| Loan and lease loss provision to assets | 0.0749% | 6,304 |
| Net operating income to assets | 0.9589% | 2,377 |
| Return on assets (ROA) | 1.0119% | 2,314 |
| Pretax return on assets | 1.2853% | 2,211 |
| Return on Equity (ROE) | 12.0309% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.7370% | 1,143 |
| Net charge-offs to loans | 0.6025% | 2,931 |
| Credit loss provision to net charge-offs | 20.0197% | 6,247 |
| Earnings coverage of net charge-offs (x) | 3.4566% | 3,441 |
| Efficiency ratio | 65.8314% | 4,898 |
| Assets per employee ($millions) | 4.3259% | 3,210 |
| Cash dividends to net income (ytd only)* | 27.3788% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,817 |
| Loan loss allowance to noncurrent loans | 146.0926% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 6,404 |
| Noncurrent loans to loans | 0.5993% | 6,009 |
| Net loans and leases to total assets | 61.4429% | 4,643 |
| Net loans and leases to deposits | 71.9451% | 4,850 |
| Net loans and leases to core deposits | 73.9428% | 5,300 |
| Total domestic deposits to total assets | 85.4025% | 3,405 |
| Equity capital to assets | 8.5015% | 6,275 |
| Core capital (leverage) ratio | 8.3167% | 5,841 |
| Tier 1 risk-based capital ratio | 15.2534% | 3,125 |
| Total risk-based capital ratio | 16.3471% | 3,190 |
| Memoranda: | ||
| Average total assets | $361,407,250 | 1,833 |
| Average earning assets | $334,629,250 | 1,809 |
| Average equity | $30,398,750 | 2,167 |
| Average total loans | $224,387,750 | 1,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 2,977 |
| Cost of funding earning assets | 2.1466% | 559 |
| Net interest margin | 3.2540% | 6,153 |
| Noninterest income to average assets | 0.6841% | 2,789 |
| Noninterest expense to average assets | 2.5361% | 5,585 |
| Loan and lease loss provision to assets | 0.0637% | 6,315 |
| Net operating income to assets | 0.8721% | 2,651 |
| Return on assets (ROA) | 0.9534% | 2,439 |
| Pretax return on assets | 1.1960% | 2,430 |
| Return on Equity (ROE) | 11.3775% | 1,629 |
| Retained earnings to average equity (ytd only) | 8.2964% | 1,338 |
| Net charge-offs to loans | 0.8537% | 2,121 |
| Credit loss provision to net charge-offs | 12.0126% | 5,924 |
| Earnings coverage of net charge-offs (x) | 2.1834% | 3,926 |
| Efficiency ratio | 68.5325% | 4,470 |
| Assets per employee ($millions) | 4.2096% | 3,371 |
| Cash dividends to net income (ytd only)* | 27.0809% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,807 |
| Loan loss allowance to noncurrent loans | 130.5628% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 6,292 |
| Noncurrent loans to loans | 0.6776% | 5,893 |
| Net loans and leases to total assets | 61.7382% | 4,737 |
| Net loans and leases to deposits | 72.9247% | 4,846 |
| Net loans and leases to core deposits | 75.2987% | 5,282 |
| Total domestic deposits to total assets | 84.6601% | 3,788 |
| Equity capital to assets | 8.5033% | 6,161 |
| Core capital (leverage) ratio | 8.2080% | 5,931 |
| Tier 1 risk-based capital ratio | 15.4609% | 2,914 |
| Total risk-based capital ratio | 16.5810% | 2,949 |
| Memoranda: | ||
| Average total assets | $357,866,330 | 1,871 |
| Average earning assets | $331,035,330 | 1,842 |
| Average equity | $29,989,000 | 2,190 |
| Average total loans | $222,315,330 | 2,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 3,325 |
| Cost of funding earning assets | 2.2720% | 466 |
| Net interest margin | 3.0716% | 6,663 |
| Noninterest income to average assets | 0.6881% | 2,675 |
| Noninterest expense to average assets | 2.5510% | 5,547 |
| Loan and lease loss provision to assets | 0.0225% | 6,427 |
| Net operating income to assets | 0.7605% | 3,154 |
| Return on assets (ROA) | 0.9241% | 2,520 |
| Pretax return on assets | 1.1569% | 2,526 |
| Return on Equity (ROE) | 11.1113% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.0834% | 1,678 |
| Net charge-offs to loans | 1.7307% | 1,000 |
| Credit loss provision to net charge-offs | 2.0942% | 5,106 |
| Earnings coverage of net charge-offs (x) | 0.9079% | 4,231 |
| Efficiency ratio | 72.2258% | 3,886 |
| Assets per employee ($millions) | 4.1977% | 3,465 |
| Cash dividends to net income (ytd only)* | 27.2506% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 6,978 |
| Loan loss allowance to noncurrent loans | 129.4399% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 6,337 |
| Noncurrent loans to loans | 0.6594% | 6,001 |
| Net loans and leases to total assets | 61.6920% | 4,817 |
| Net loans and leases to deposits | 72.9823% | 4,910 |
| Net loans and leases to core deposits | 75.4137% | 5,342 |
| Total domestic deposits to total assets | 84.5301% | 3,881 |
| Equity capital to assets | 8.3564% | 6,219 |
| Core capital (leverage) ratio | 8.1812% | 5,939 |
| Tier 1 risk-based capital ratio | 14.8780% | 3,163 |
| Total risk-based capital ratio | 15.9095% | 3,251 |
| Memoranda: | ||
| Average total assets | $355,787,500 | 1,927 |
| Average earning assets | $328,692,000 | 1,903 |
| Average equity | $29,591,500 | 2,239 |
| Average total loans | $220,722,000 | 2,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7968% | 2,667 |
| Cost of funding earning assets | 2.6940% | 602 |
| Net interest margin | 3.1028% | 6,358 |
| Noninterest income to average assets | 0.7288% | 2,793 |
| Noninterest expense to average assets | 2.5601% | 5,922 |
| Loan and lease loss provision to assets | 0.3613% | 4,636 |
| Net operating income to assets | 0.5936% | 3,357 |
| Return on assets (ROA) | 0.7115% | 2,952 |
| Pretax return on assets | 0.8330% | 3,138 |
| Return on Equity (ROE) | 8.5384% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.0613% | 1,788 |
| Net charge-offs to loans | 0.0185% | 6,962 |
| Credit loss provision to net charge-offs | 3,092.5000% | 109 |
| Earnings coverage of net charge-offs (x) | 90.3500% | 303 |
| Efficiency ratio | 70.6681% | 4,497 |
| Assets per employee ($millions) | 4.0315% | 3,756 |
| Cash dividends to net income (ytd only)* | 40.7225% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 4,821 |
| Loan loss allowance to noncurrent loans | 66.5256% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 4,632 |
| Noncurrent loans to loans | 1.9387% | 3,744 |
| Net loans and leases to total assets | 61.0533% | 5,185 |
| Net loans and leases to deposits | 73.0323% | 5,185 |
| Net loans and leases to core deposits | 88.9144% | 5,235 |
| Total domestic deposits to total assets | 83.5976% | 4,234 |
| Equity capital to assets | 8.2777% | 6,224 |
| Core capital (leverage) ratio | 7.8925% | 6,332 |
| Tier 1 risk-based capital ratio | 14.6560% | 3,127 |
| Total risk-based capital ratio | 15.9091% | 3,081 |
| Memoranda: | ||
| Average total assets | $342,364,400 | 1,987 |
| Average earning assets | $318,555,800 | 1,958 |
| Average equity | $28,530,000 | 2,331 |
| Average total loans | $216,437,400 | 2,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 2,676 |
| Cost of funding earning assets | 2.7235% | 738 |
| Net interest margin | 3.1234% | 6,250 |
| Noninterest income to average assets | 0.7404% | 2,762 |
| Noninterest expense to average assets | 2.5698% | 5,824 |
| Loan and lease loss provision to assets | 0.2896% | 4,661 |
| Net operating income to assets | 0.6502% | 3,401 |
| Return on assets (ROA) | 0.8033% | 2,869 |
| Pretax return on assets | 0.9746% | 2,978 |
| Return on Equity (ROE) | 9.6229% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.1767% | 1,863 |
| Net charge-offs to loans | 0.0179% | 6,666 |
| Credit loss provision to net charge-offs | 2,541.3793% | 159 |
| Earnings coverage of net charge-offs (x) | 94.5412% | 376 |
| Efficiency ratio | 70.3157% | 4,530 |
| Assets per employee ($millions) | 4.0894% | 3,583 |
| Cash dividends to net income (ytd only)* | 35.8122% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,757 |
| Loan loss allowance to noncurrent loans | 53.1562% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 4,443 |
| Noncurrent loans to loans | 2.0601% | 3,547 |
| Net loans and leases to total assets | 60.1212% | 5,565 |
| Net loans and leases to deposits | 72.0207% | 5,647 |
| Net loans and leases to core deposits | 90.6479% | 5,379 |
| Total domestic deposits to total assets | 83.4777% | 3,975 |
| Equity capital to assets | 8.2858% | 6,521 |
| Core capital (leverage) ratio | 8.0887% | 6,205 |
| Tier 1 risk-based capital ratio | 14.5787% | 3,234 |
| Total risk-based capital ratio | 15.8292% | 3,180 |
| Memoranda: | ||
| Average total assets | $339,262,500 | 2,024 |
| Average earning assets | $315,761,250 | 1,995 |
| Average equity | $28,320,750 | 2,369 |
| Average total loans | $215,689,250 | 2,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9328% | 2,446 |
| Cost of funding earning assets | 2.7556% | 895 |
| Net interest margin | 3.1771% | 5,996 |
| Noninterest income to average assets | 0.7263% | 2,832 |
| Noninterest expense to average assets | 2.6277% | 5,624 |
| Loan and lease loss provision to assets | 0.1206% | 5,916 |
| Net operating income to assets | 0.7501% | 3,043 |
| Return on assets (ROA) | 0.8880% | 2,612 |
| Pretax return on assets | 1.1059% | 2,619 |
| Return on Equity (ROE) | 10.6105% | 1,816 |
| Retained earnings to average equity (ytd only) | 6.8883% | 1,628 |
| Net charge-offs to loans | 0.0083% | 6,459 |
| Credit loss provision to net charge-offs | 2,244.4444% | 238 |
| Earnings coverage of net charge-offs (x) | 196.2222% | 212 |
| Efficiency ratio | 71.2433% | 4,553 |
| Assets per employee ($millions) | 3.9947% | 3,686 |
| Cash dividends to net income (ytd only)* | 35.0806% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 7,005 |
| Loan loss allowance to noncurrent loans | 69.3242% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,388 |
| Noncurrent loans to loans | 1.2158% | 4,782 |
| Net loans and leases to total assets | 62.5327% | 5,263 |
| Net loans and leases to deposits | 75.0048% | 5,321 |
| Net loans and leases to core deposits | 96.0297% | 4,900 |
| Total domestic deposits to total assets | 83.3716% | 4,081 |
| Equity capital to assets | 8.3273% | 6,298 |
| Core capital (leverage) ratio | 8.1695% | 6,033 |
| Tier 1 risk-based capital ratio | 14.4445% | 3,281 |
| Total risk-based capital ratio | 15.4425% | 3,344 |
| Memoranda: | ||
| Average total assets | $335,120,670 | 2,070 |
| Average earning assets | $311,726,000 | 2,043 |
| Average equity | $28,047,670 | 2,403 |
| Average total loans | $216,325,670 | 2,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0112% | 2,314 |
| Cost of funding earning assets | 2.7699% | 1,054 |
| Net interest margin | 3.2413% | 5,721 |
| Noninterest income to average assets | 0.6648% | 3,107 |
| Noninterest expense to average assets | 2.5759% | 5,547 |
| Loan and lease loss provision to assets | 0.2176% | 4,277 |
| Net operating income to assets | 0.6970% | 3,573 |
| Return on assets (ROA) | 0.9695% | 2,566 |
| Pretax return on assets | 1.2378% | 2,489 |
| Return on Equity (ROE) | 11.5531% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.9373% | 1,836 |
| Net charge-offs to loans | 0.0185% | 5,309 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 468 |
| Efficiency ratio | 69.8293% | 4,619 |
| Assets per employee ($millions) | 3.9078% | 3,853 |
| Cash dividends to net income (ytd only)* | 31.2968% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 7,061 |
| Loan loss allowance to noncurrent loans | 68.3991% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,128 |
| Noncurrent loans to loans | 1.2074% | 4,555 |
| Net loans and leases to total assets | 64.4235% | 4,915 |
| Net loans and leases to deposits | 77.4431% | 5,012 |
| Net loans and leases to core deposits | 99.9792% | 4,543 |
| Total domestic deposits to total assets | 83.1882% | 4,056 |
| Equity capital to assets | 8.3809% | 6,269 |
| Core capital (leverage) ratio | 8.3347% | 5,840 |
| Tier 1 risk-based capital ratio | 14.4476% | 3,337 |
| Total risk-based capital ratio | 15.4605% | 3,402 |
| Memoranda: | ||
| Average total assets | $330,908,500 | 2,107 |
| Average earning assets | $308,025,000 | 2,075 |
| Average equity | $27,767,500 | 2,436 |
| Average total loans | $216,161,500 | 2,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 4,280 |
| Cost of funding earning assets | 3.0779% | 1,579 |
| Net interest margin | 3.1659% | 6,476 |
| Noninterest income to average assets | 0.7212% | 2,977 |
| Noninterest expense to average assets | 2.4960% | 6,026 |
| Loan and lease loss provision to assets | 0.1147% | 5,906 |
| Net operating income to assets | 0.8412% | 3,260 |
| Return on assets (ROA) | 0.8412% | 3,093 |
| Pretax return on assets | 1.0363% | 3,250 |
| Return on Equity (ROE) | 10.1376% | 2,210 |
| Retained earnings to average equity (ytd only) | 5.2240% | 1,900 |
| Net charge-offs to loans | -0.0093% | 7,846 |
| Credit loss provision to net charge-offs | -1,921.0526% | 7,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2946% | 4,671 |
| Assets per employee ($millions) | 3.7442% | 4,070 |
| Cash dividends to net income (ytd only)* | 48.4690% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 7,235 |
| Loan loss allowance to noncurrent loans | 62.2570% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 4,831 |
| Noncurrent loans to loans | 1.2256% | 4,062 |
| Net loans and leases to total assets | 65.1975% | 5,014 |
| Net loans and leases to deposits | 80.7732% | 4,912 |
| Net loans and leases to core deposits | 101.4081% | 4,681 |
| Total domestic deposits to total assets | 80.7168% | 4,766 |
| Equity capital to assets | 8.4020% | 6,249 |
| Core capital (leverage) ratio | 8.2050% | 6,155 |
| Tier 1 risk-based capital ratio | 14.3589% | 3,358 |
| Total risk-based capital ratio | 15.2981% | 3,445 |
| Memoranda: | ||
| Average total assets | $318,349,000 | 2,104 |
| Average earning assets | $294,194,400 | 2,081 |
| Average equity | $26,416,600 | 2,521 |
| Average total loans | $204,574,800 | 2,254 |