Home > Planters Bank, Inc. > Performance and Condition Ratios
Planters Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 1,325 |
| Cost of funding earning assets | 2.6603% | 269 |
| Net interest margin | 2.7331% | 3,772 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.6881% | 4,146 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9757% | 2,290 |
| Return on assets (ROA) | 0.9823% | 2,259 |
| Pretax return on assets | 1.2375% | 2,041 |
| Return on Equity (ROE) | 9.5900% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.9103% | 1,567 |
| Net charge-offs to loans | 0.0047% | 2,547 |
| Credit loss provision to net charge-offs | 1,923.0769% | 236 |
| Earnings coverage of net charge-offs (x) | 337.0308% | 399 |
| Efficiency ratio | 56.4265% | 3,453 |
| Assets per employee ($millions) | 10.1403% | 678 |
| Cash dividends to net income (ytd only)* | 17.5127% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 1,967 |
| Loan loss allowance to noncurrent loans | 2,216.4072% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,280 |
| Noncurrent loans to loans | 0.0568% | 3,309 |
| Net loans and leases to total assets | 81.8000% | 452 |
| Net loans and leases to deposits | 96.6113% | 738 |
| Net loans and leases to core deposits | 110.7788% | 926 |
| Total domestic deposits to total assets | 84.6700% | 2,415 |
| Equity capital to assets | 10.2805% | 1,854 |
| Core capital (leverage) ratio | 11.4657% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5721% | 2,390 |
| Memoranda: | ||
| Average total assets | $1,680,553,400 | 655 |
| Average earning assets | $1,604,053,400 | 632 |
| Average equity | $172,143,000 | 609 |
| Average total loans | $1,372,728,800 | 556 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 1,280 |
| Cost of funding earning assets | 2.5171% | 266 |
| Net interest margin | 2.7902% | 3,737 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.6598% | 4,176 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0100% | 2,341 |
| Return on assets (ROA) | 1.0189% | 2,294 |
| Pretax return on assets | 1.3193% | 1,981 |
| Return on Equity (ROE) | 9.9600% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.6835% | 2,081 |
| Net charge-offs to loans | 0.0061% | 2,223 |
| Credit loss provision to net charge-offs | 1,693.5484% | 278 |
| Earnings coverage of net charge-offs (x) | 279.1290% | 477 |
| Efficiency ratio | 54.3787% | 3,560 |
| Assets per employee ($millions) | 9.9497% | 680 |
| Cash dividends to net income (ytd only)* | 22.8303% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 1,860 |
| Loan loss allowance to noncurrent loans | 2,034.4444% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,271 |
| Noncurrent loans to loans | 0.0640% | 3,296 |
| Net loans and leases to total assets | 82.0900% | 426 |
| Net loans and leases to deposits | 98.0139% | 617 |
| Net loans and leases to core deposits | 117.5782% | 620 |
| Total domestic deposits to total assets | 83.7500% | 2,848 |
| Equity capital to assets | 10.0502% | 1,807 |
| Core capital (leverage) ratio | 11.4691% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7946% | 2,347 |
| Memoranda: | ||
| Average total assets | $1,657,054,250 | 667 |
| Average earning assets | $1,580,532,500 | 644 |
| Average equity | $169,570,750 | 612 |
| Average total loans | $1,348,398,500 | 565 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 1,273 |
| Cost of funding earning assets | 2.3582% | 243 |
| Net interest margin | 2.8038% | 3,815 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.6375% | 4,224 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0377% | 2,291 |
| Return on assets (ROA) | 1.0512% | 2,256 |
| Pretax return on assets | 1.3635% | 1,909 |
| Return on Equity (ROE) | 10.2100% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.5026% | 1,819 |
| Net charge-offs to loans | 0.0102% | 1,817 |
| Credit loss provision to net charge-offs | 1,102.9412% | 381 |
| Earnings coverage of net charge-offs (x) | 173.9559% | 681 |
| Efficiency ratio | 53.2488% | 3,674 |
| Assets per employee ($millions) | 10.4789% | 579 |
| Cash dividends to net income (ytd only)* | 16.7187% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 1,934 |
| Loan loss allowance to noncurrent loans | 1,525.7627% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,042 |
| Noncurrent loans to loans | 0.0852% | 3,079 |
| Net loans and leases to total assets | 81.0500% | 513 |
| Net loans and leases to deposits | 97.6333% | 634 |
| Net loans and leases to core deposits | 120.0389% | 512 |
| Total domestic deposits to total assets | 83.0100% | 3,046 |
| Equity capital to assets | 10.1970% | 1,746 |
| Core capital (leverage) ratio | 11.5327% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8792% | 2,342 |
| Memoranda: | ||
| Average total assets | $1,645,589,000 | 655 |
| Average earning assets | $1,567,999,000 | 635 |
| Average equity | $169,429,667 | 610 |
| Average total loans | $1,328,934,333 | 557 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 1,112 |
| Cost of funding earning assets | 2.1458% | 217 |
| Net interest margin | 2.9261% | 3,748 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.6639% | 4,236 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0997% | 2,227 |
| Return on assets (ROA) | 1.0997% | 2,193 |
| Pretax return on assets | 1.4175% | 1,842 |
| Return on Equity (ROE) | 10.6300% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.1874% | 2,447 |
| Net charge-offs to loans | 0.0080% | 1,646 |
| Credit loss provision to net charge-offs | 1,730.7692% | 227 |
| Earnings coverage of net charge-offs (x) | 238.7692% | 446 |
| Efficiency ratio | 52.1246% | 3,767 |
| Assets per employee ($millions) | 10.1994% | 659 |
| Cash dividends to net income (ytd only)* | 32.3707% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,914 |
| Loan loss allowance to noncurrent loans | 2,053.9352% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,233 |
| Noncurrent loans to loans | 0.0645% | 3,272 |
| Net loans and leases to total assets | 79.4500% | 595 |
| Net loans and leases to deposits | 95.4314% | 686 |
| Net loans and leases to core deposits | 112.9217% | 617 |
| Total domestic deposits to total assets | 83.2500% | 3,248 |
| Equity capital to assets | 10.2545% | 1,690 |
| Core capital (leverage) ratio | 11.5929% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1518% | 2,332 |
| Memoranda: | ||
| Average total assets | $1,624,833,000 | 674 |
| Average earning assets | $1,545,558,000 | 654 |
| Average equity | $168,128,000 | 621 |
| Average total loans | $1,300,739,000 | 576 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 1,014 |
| Cost of funding earning assets | 0.6989% | 581 |
| Net interest margin | 3.6243% | 1,578 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.8094% | 4,017 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5947% | 701 |
| Return on assets (ROA) | 1.5947% | 668 |
| Pretax return on assets | 2.0262% | 448 |
| Return on Equity (ROE) | 14.1700% | 1,496 |
| Retained earnings to average equity (ytd only) | 12.4019% | 606 |
| Net charge-offs to loans | 0.0136% | 1,873 |
| Credit loss provision to net charge-offs | 827.8146% | 485 |
| Earnings coverage of net charge-offs (x) | 203.0331% | 641 |
| Efficiency ratio | 46.1384% | 4,335 |
| Assets per employee ($millions) | 9.9821% | 677 |
| Cash dividends to net income (ytd only)* | 12.4903% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,822.1996% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,151 |
| Noncurrent loans to loans | 0.0778% | 3,202 |
| Net loans and leases to total assets | 78.4400% | 757 |
| Net loans and leases to deposits | 94.7987% | 726 |
| Net loans and leases to core deposits | 105.1048% | 786 |
| Total domestic deposits to total assets | 82.7500% | 3,475 |
| Equity capital to assets | 10.4447% | 1,478 |
| Core capital (leverage) ratio | 12.1180% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5701% | 2,142 |
| Memoranda: | ||
| Average total assets | $1,451,401,000 | 723 |
| Average earning assets | $1,382,326,200 | 696 |
| Average equity | $163,322,400 | 628 |
| Average total loans | $1,113,755,000 | 621 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 960 |
| Cost of funding earning assets | 0.4190% | 1,162 |
| Net interest margin | 3.7406% | 1,051 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.8205% | 3,942 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6808% | 552 |
| Return on assets (ROA) | 1.6808% | 537 |
| Pretax return on assets | 2.1930% | 326 |
| Return on Equity (ROE) | 14.6400% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.2735% | 734 |
| Net charge-offs to loans | -0.0027% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.8861% | 4,434 |
| Assets per employee ($millions) | 9.2464% | 817 |
| Cash dividends to net income (ytd only)* | 16.1789% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,372 |
| Loan loss allowance to noncurrent loans | 689.5767% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,441 |
| Noncurrent loans to loans | 0.2139% | 2,542 |
| Net loans and leases to total assets | 77.9800% | 707 |
| Net loans and leases to deposits | 93.6743% | 655 |
| Net loans and leases to core deposits | 97.1954% | 945 |
| Total domestic deposits to total assets | 83.2400% | 3,651 |
| Equity capital to assets | 10.6818% | 1,300 |
| Core capital (leverage) ratio | 12.6142% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2250% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,417,461,500 | 745 |
| Average earning assets | $1,351,337,000 | 717 |
| Average equity | $162,709,500 | 638 |
| Average total loans | $1,076,463,750 | 639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 864 |
| Cost of funding earning assets | 0.3007% | 1,707 |
| Net interest margin | 3.7464% | 842 |
| Noninterest income to average assets | 0.4737% | 2,337 |
| Noninterest expense to average assets | 1.8149% | 3,919 |
| Loan and lease loss provision to assets | 0.0430% | 1,796 |
| Net operating income to assets | 1.6734% | 458 |
| Return on assets (ROA) | 1.6734% | 453 |
| Pretax return on assets | 2.1872% | 254 |
| Return on Equity (ROE) | 14.2278% | 1,056 |
| Retained earnings to average equity (ytd only) | 12.4673% | 537 |
| Net charge-offs to loans | -0.0054% | 3,365 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8669% | 4,497 |
| Assets per employee ($millions) | 8.6573% | 1,001 |
| Cash dividends to net income (ytd only)* | 12.3738% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,112 |
| Loan loss allowance to noncurrent loans | 736.1565% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,526 |
| Noncurrent loans to loans | 0.2192% | 2,625 |
| Net loans and leases to total assets | 75.3549% | 790 |
| Net loans and leases to deposits | 88.3523% | 809 |
| Net loans and leases to core deposits | 90.6044% | 1,089 |
| Total domestic deposits to total assets | 85.2891% | 3,416 |
| Equity capital to assets | 11.5406% | 1,020 |
| Core capital (leverage) ratio | 12.6305% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1802% | 1,662 |
| Memoranda: | ||
| Average total assets | $1,396,665,667 | 744 |
| Average earning assets | $1,331,422,333 | 723 |
| Average equity | $164,269,667 | 647 |
| Average total loans | $1,044,990,333 | 643 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 976 |
| Cost of funding earning assets | 0.2820% | 1,800 |
| Net interest margin | 3.5822% | 925 |
| Noninterest income to average assets | 0.4652% | 2,329 |
| Noninterest expense to average assets | 1.7906% | 3,958 |
| Loan and lease loss provision to assets | 0.0428% | 1,586 |
| Net operating income to assets | 1.5733% | 548 |
| Return on assets (ROA) | 1.5733% | 539 |
| Pretax return on assets | 2.0479% | 323 |
| Return on Equity (ROE) | 13.2536% | 987 |
| Retained earnings to average equity (ytd only) | 9.7792% | 1,077 |
| Net charge-offs to loans | -0.0085% | 3,518 |
| Credit loss provision to net charge-offs | -681.8182% | 3,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1346% | 4,490 |
| Assets per employee ($millions) | 8.7288% | 1,013 |
| Cash dividends to net income (ytd only)* | 26.2146% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 1,259 |
| Loan loss allowance to noncurrent loans | 2,061.6039% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,463 |
| Noncurrent loans to loans | 0.0778% | 3,451 |
| Net loans and leases to total assets | 74.9802% | 580 |
| Net loans and leases to deposits | 86.7306% | 691 |
| Net loans and leases to core deposits | 88.9402% | 970 |
| Total domestic deposits to total assets | 86.4518% | 3,120 |
| Equity capital to assets | 11.7455% | 1,043 |
| Core capital (leverage) ratio | 12.1773% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0152% | 1,791 |
| Memoranda: | ||
| Average total assets | $1,402,411,500 | 744 |
| Average earning assets | $1,337,383,000 | 717 |
| Average equity | $166,475,500 | 651 |
| Average total loans | $1,037,026,000 | 635 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 954 |
| Cost of funding earning assets | 0.3769% | 1,703 |
| Net interest margin | 3.8474% | 925 |
| Noninterest income to average assets | 0.5899% | 2,205 |
| Noninterest expense to average assets | 1.8011% | 4,143 |
| Loan and lease loss provision to assets | 0.0687% | 1,700 |
| Net operating income to assets | 1.8758% | 431 |
| Return on assets (ROA) | 1.8807% | 455 |
| Pretax return on assets | 2.3909% | 302 |
| Return on Equity (ROE) | 15.5724% | 827 |
| Retained earnings to average equity (ytd only) | 14.5433% | 264 |
| Net charge-offs to loans | 0.0008% | 2,664 |
| Credit loss provision to net charge-offs | 11,375.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 4,061.6250% | 30 |
| Efficiency ratio | 42.3270% | 4,627 |
| Assets per employee ($millions) | 9.0829% | 892 |
| Cash dividends to net income (ytd only)* | 6.6083% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 1,151 |
| Loan loss allowance to noncurrent loans | 1,915.0513% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 3,547 |
| Noncurrent loans to loans | 0.0863% | 3,505 |
| Net loans and leases to total assets | 70.5501% | 981 |
| Net loans and leases to deposits | 81.8263% | 1,081 |
| Net loans and leases to core deposits | 84.1494% | 1,319 |
| Total domestic deposits to total assets | 86.2194% | 2,830 |
| Equity capital to assets | 11.9933% | 1,253 |
| Core capital (leverage) ratio | 12.2049% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2726% | 1,750 |
| Memoranda: | ||
| Average total assets | $1,324,399,000 | 755 |
| Average earning assets | $1,261,460,200 | 735 |
| Average equity | $159,949,800 | 674 |
| Average total loans | $1,010,594,400 | 650 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 912 |
| Cost of funding earning assets | 0.3949% | 1,730 |
| Net interest margin | 3.9340% | 880 |
| Noninterest income to average assets | 0.5119% | 2,573 |
| Noninterest expense to average assets | 1.7535% | 4,255 |
| Loan and lease loss provision to assets | 0.0855% | 1,394 |
| Net operating income to assets | 1.8436% | 616 |
| Return on assets (ROA) | 1.8481% | 639 |
| Pretax return on assets | 2.4258% | 375 |
| Return on Equity (ROE) | 15.2736% | 1,099 |
| Retained earnings to average equity (ytd only) | 14.5013% | 459 |
| Net charge-offs to loans | 0.0001% | 2,461 |
| Credit loss provision to net charge-offs | 83,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 24,454.0000% | 3 |
| Efficiency ratio | 41.1615% | 4,686 |
| Assets per employee ($millions) | 8.3156% | 1,124 |
| Cash dividends to net income (ytd only)* | 5.0563% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 1,147 |
| Loan loss allowance to noncurrent loans | 1,564.7334% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,557 |
| Noncurrent loans to loans | 0.1073% | 3,556 |
| Net loans and leases to total assets | 74.5541% | 648 |
| Net loans and leases to deposits | 87.2257% | 753 |
| Net loans and leases to core deposits | 90.7412% | 993 |
| Total domestic deposits to total assets | 85.4726% | 2,958 |
| Equity capital to assets | 12.5646% | 1,147 |
| Core capital (leverage) ratio | 12.3026% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1086% | 1,929 |
| Memoranda: | ||
| Average total assets | $1,301,264,250 | 776 |
| Average earning assets | $1,239,487,250 | 759 |
| Average equity | $157,453,000 | 693 |
| Average total loans | $1,009,131,500 | 670 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 796 |
| Cost of funding earning assets | 0.4085% | 1,815 |
| Net interest margin | 4.0358% | 772 |
| Noninterest income to average assets | 0.5178% | 2,546 |
| Noninterest expense to average assets | 1.7526% | 4,276 |
| Loan and lease loss provision to assets | 0.0925% | 1,353 |
| Net operating income to assets | 1.9186% | 566 |
| Return on assets (ROA) | 1.9254% | 584 |
| Pretax return on assets | 2.5252% | 344 |
| Return on Equity (ROE) | 16.1216% | 935 |
| Retained earnings to average equity (ytd only) | 14.9442% | 438 |
| Net charge-offs to loans | -0.0004% | 3,031 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1669% | 4,743 |
| Assets per employee ($millions) | 8.1536% | 1,140 |
| Cash dividends to net income (ytd only)* | 7.3036% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,163 |
| Loan loss allowance to noncurrent loans | 1,498.1835% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 3,629 |
| Noncurrent loans to loans | 0.1104% | 3,640 |
| Net loans and leases to total assets | 76.1533% | 581 |
| Net loans and leases to deposits | 89.3871% | 685 |
| Net loans and leases to core deposits | 94.8683% | 865 |
| Total domestic deposits to total assets | 85.1950% | 3,018 |
| Equity capital to assets | 12.4088% | 1,177 |
| Core capital (leverage) ratio | 12.0067% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1534% | 1,923 |
| Memoranda: | ||
| Average total assets | $1,297,063,000 | 777 |
| Average earning assets | $1,235,392,333 | 758 |
| Average equity | $154,910,000 | 697 |
| Average total loans | $1,013,419,000 | 668 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 675 |
| Cost of funding earning assets | 0.4226% | 1,916 |
| Net interest margin | 4.1707% | 637 |
| Noninterest income to average assets | 0.4985% | 2,621 |
| Noninterest expense to average assets | 1.7208% | 4,340 |
| Loan and lease loss provision to assets | 0.0922% | 1,450 |
| Net operating income to assets | 2.0156% | 560 |
| Return on assets (ROA) | 2.0248% | 596 |
| Pretax return on assets | 2.6644% | 345 |
| Return on Equity (ROE) | 17.2873% | 804 |
| Retained earnings to average equity (ytd only) | 17.2873% | 402 |
| Net charge-offs to loans | 0.0027% | 1,826 |
| Credit loss provision to net charge-offs | 4,285.7143% | 130 |
| Earnings coverage of net charge-offs (x) | 1,275.8571% | 68 |
| Efficiency ratio | 38.5065% | 4,797 |
| Assets per employee ($millions) | 8.2101% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,355 |
| Loan loss allowance to noncurrent loans | 1,538.5932% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,041 |
| Noncurrent loans to loans | 0.1025% | 3,795 |
| Net loans and leases to total assets | 76.9188% | 545 |
| Net loans and leases to deposits | 92.2865% | 581 |
| Net loans and leases to core deposits | 100.2189% | 704 |
| Total domestic deposits to total assets | 83.3478% | 3,604 |
| Equity capital to assets | 11.7635% | 1,406 |
| Core capital (leverage) ratio | 11.9100% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7165% | 1,999 |
| Memoranda: | ||
| Average total assets | $1,301,459,000 | 762 |
| Average earning assets | $1,237,973,000 | 745 |
| Average equity | $152,435,500 | 701 |
| Average total loans | $1,021,350,500 | 663 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,010 |
| Cost of funding earning assets | 0.7497% | 1,447 |
| Net interest margin | 3.8921% | 1,238 |
| Noninterest income to average assets | 0.4794% | 2,728 |
| Noninterest expense to average assets | 1.9785% | 4,178 |
| Loan and lease loss provision to assets | 0.2431% | 1,597 |
| Net operating income to assets | 1.5739% | 675 |
| Return on assets (ROA) | 1.5791% | 727 |
| Pretax return on assets | 1.9726% | 481 |
| Return on Equity (ROE) | 14.1068% | 785 |
| Retained earnings to average equity (ytd only) | 14.1068% | 185 |
| Net charge-offs to loans | 0.0219% | 2,616 |
| Credit loss provision to net charge-offs | 1,417.8404% | 592 |
| Earnings coverage of net charge-offs (x) | 128.8451% | 656 |
| Efficiency ratio | 46.8407% | 4,679 |
| Assets per employee ($millions) | 7.9587% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,388 |
| Loan loss allowance to noncurrent loans | 537.6522% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,140 |
| Noncurrent loans to loans | 0.2909% | 3,155 |
| Net loans and leases to total assets | 77.5772% | 637 |
| Net loans and leases to deposits | 95.3333% | 582 |
| Net loans and leases to core deposits | 103.7460% | 739 |
| Total domestic deposits to total assets | 81.3748% | 3,792 |
| Equity capital to assets | 11.6609% | 1,757 |
| Core capital (leverage) ratio | 11.4208% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3184% | 2,117 |
| Memoranda: | ||
| Average total assets | $1,242,188,400 | 731 |
| Average earning assets | $1,183,574,800 | 711 |
| Average equity | $139,046,400 | 722 |
| Average total loans | $971,920,000 | 663 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 977 |
| Cost of funding earning assets | 0.8372% | 1,324 |
| Net interest margin | 3.9045% | 1,340 |
| Noninterest income to average assets | 0.4670% | 2,756 |
| Noninterest expense to average assets | 1.9553% | 4,241 |
| Loan and lease loss provision to assets | 0.1973% | 2,008 |
| Net operating income to assets | 1.6103% | 708 |
| Return on assets (ROA) | 1.6147% | 767 |
| Pretax return on assets | 2.0456% | 478 |
| Return on Equity (ROE) | 14.5847% | 770 |
| Retained earnings to average equity (ytd only) | 14.5847% | 219 |
| Net charge-offs to loans | 0.0230% | 2,387 |
| Credit loss provision to net charge-offs | 1,096.3855% | 785 |
| Earnings coverage of net charge-offs (x) | 124.3735% | 683 |
| Efficiency ratio | 46.2316% | 4,703 |
| Assets per employee ($millions) | 8.0194% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,620 |
| Loan loss allowance to noncurrent loans | 515.3846% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,341 |
| Noncurrent loans to loans | 0.2770% | 3,300 |
| Net loans and leases to total assets | 78.3431% | 790 |
| Net loans and leases to deposits | 98.7984% | 582 |
| Net loans and leases to core deposits | 108.5561% | 748 |
| Total domestic deposits to total assets | 79.2959% | 3,999 |
| Equity capital to assets | 11.2132% | 2,220 |
| Core capital (leverage) ratio | 11.1510% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9158% | 2,242 |
| Memoranda: | ||
| Average total assets | $1,230,408,250 | 724 |
| Average earning assets | $1,174,010,750 | 704 |
| Average equity | $136,221,750 | 732 |
| Average total loans | $960,874,250 | 661 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 850 |
| Cost of funding earning assets | 0.9832% | 1,036 |
| Net interest margin | 3.9987% | 1,327 |
| Noninterest income to average assets | 0.4648% | 2,738 |
| Noninterest expense to average assets | 1.9518% | 4,326 |
| Loan and lease loss provision to assets | 0.2518% | 1,670 |
| Net operating income to assets | 1.6378% | 696 |
| Return on assets (ROA) | 1.6419% | 752 |
| Pretax return on assets | 2.0797% | 469 |
| Return on Equity (ROE) | 14.8989% | 728 |
| Retained earnings to average equity (ytd only) | 14.8989% | 226 |
| Net charge-offs to loans | 0.0245% | 2,224 |
| Credit loss provision to net charge-offs | 1,321.7391% | 661 |
| Earnings coverage of net charge-offs (x) | 122.1304% | 613 |
| Efficiency ratio | 45.2166% | 4,764 |
| Assets per employee ($millions) | 7.9866% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,432 |
| Loan loss allowance to noncurrent loans | 463.7120% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 3,335 |
| Noncurrent loans to loans | 0.3114% | 3,268 |
| Net loans and leases to total assets | 77.3964% | 936 |
| Net loans and leases to deposits | 93.7386% | 985 |
| Net loans and leases to core deposits | 100.6294% | 1,213 |
| Total domestic deposits to total assets | 82.5662% | 3,215 |
| Equity capital to assets | 11.0017% | 2,338 |
| Core capital (leverage) ratio | 10.7668% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7194% | 2,303 |
| Memoranda: | ||
| Average total assets | $1,207,499,000 | 727 |
| Average earning assets | $1,151,527,000 | 701 |
| Average equity | $133,070,667 | 737 |
| Average total loans | $936,991,000 | 667 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,344 |
| Cost of funding earning assets | 1.1679% | 855 |
| Net interest margin | 3.6635% | 2,454 |
| Noninterest income to average assets | 0.4876% | 2,618 |
| Noninterest expense to average assets | 2.0619% | 4,293 |
| Loan and lease loss provision to assets | 0.0921% | 2,535 |
| Net operating income to assets | 1.4432% | 896 |
| Return on assets (ROA) | 1.4494% | 956 |
| Pretax return on assets | 1.8306% | 654 |
| Return on Equity (ROE) | 13.1402% | 855 |
| Retained earnings to average equity (ytd only) | 13.1402% | 306 |
| Net charge-offs to loans | 0.0040% | 2,435 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 623.5556% | 96 |
| Efficiency ratio | 51.4028% | 4,582 |
| Assets per employee ($millions) | 7.3392% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,502 |
| Loan loss allowance to noncurrent loans | 496.7250% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,560 |
| Noncurrent loans to loans | 0.2934% | 3,452 |
| Net loans and leases to total assets | 76.3651% | 1,238 |
| Net loans and leases to deposits | 97.1152% | 807 |
| Net loans and leases to core deposits | 106.9878% | 998 |
| Total domestic deposits to total assets | 78.6335% | 4,113 |
| Equity capital to assets | 11.1031% | 2,772 |
| Core capital (leverage) ratio | 10.9523% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0827% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,172,324,000 | 714 |
| Average earning assets | $1,116,542,000 | 687 |
| Average equity | $129,313,500 | 751 |
| Average total loans | $903,736,500 | 665 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 1,935 |
| Cost of funding earning assets | 1.3417% | 678 |
| Net interest margin | 3.4943% | 3,463 |
| Noninterest income to average assets | 0.5112% | 2,669 |
| Noninterest expense to average assets | 2.0776% | 4,399 |
| Loan and lease loss provision to assets | 0.0942% | 2,150 |
| Net operating income to assets | 1.3552% | 1,487 |
| Return on assets (ROA) | 1.3536% | 1,575 |
| Pretax return on assets | 1.6614% | 1,302 |
| Return on Equity (ROE) | 12.7410% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.7410% | 180 |
| Net charge-offs to loans | -0.0091% | 4,449 |
| Credit loss provision to net charge-offs | -1,346.1538% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6804% | 4,451 |
| Assets per employee ($millions) | 7.3147% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,317 |
| Loan loss allowance to noncurrent loans | 466.6904% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 3,477 |
| Noncurrent loans to loans | 0.3144% | 3,313 |
| Net loans and leases to total assets | 75.5523% | 1,494 |
| Net loans and leases to deposits | 95.0321% | 1,047 |
| Net loans and leases to core deposits | 104.5373% | 1,195 |
| Total domestic deposits to total assets | 79.5019% | 4,075 |
| Equity capital to assets | 10.9568% | 3,049 |
| Core capital (leverage) ratio | 10.8841% | 2,605 |
| Tier 1 risk-based capital ratio | 11.7163% | 4,519 |
| Total risk-based capital ratio | 12.9531% | 4,411 |
| Memoranda: | ||
| Average total assets | $1,114,391,000 | 714 |
| Average earning assets | $1,060,095,800 | 683 |
| Average equity | $118,389,000 | 773 |
| Average total loans | $853,740,000 | 677 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 1,930 |
| Cost of funding earning assets | 1.3724% | 636 |
| Net interest margin | 3.4917% | 3,584 |
| Noninterest income to average assets | 0.5119% | 2,658 |
| Noninterest expense to average assets | 2.0571% | 4,437 |
| Loan and lease loss provision to assets | 0.0944% | 2,025 |
| Net operating income to assets | 1.3746% | 1,554 |
| Return on assets (ROA) | 1.3733% | 1,630 |
| Pretax return on assets | 1.6812% | 1,393 |
| Return on Equity (ROE) | 13.0347% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.0347% | 277 |
| Net charge-offs to loans | -0.0130% | 4,458 |
| Credit loss provision to net charge-offs | -951.2195% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1565% | 4,480 |
| Assets per employee ($millions) | 7.1691% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,315 |
| Loan loss allowance to noncurrent loans | 487.4525% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,644 |
| Noncurrent loans to loans | 0.3030% | 3,449 |
| Net loans and leases to total assets | 75.4922% | 1,565 |
| Net loans and leases to deposits | 96.9485% | 911 |
| Net loans and leases to core deposits | 108.2982% | 1,035 |
| Total domestic deposits to total assets | 77.8684% | 4,368 |
| Equity capital to assets | 10.9380% | 3,152 |
| Core capital (leverage) ratio | 10.8068% | 2,832 |
| Tier 1 risk-based capital ratio | 11.8956% | 4,463 |
| Total risk-based capital ratio | 13.1458% | 4,355 |
| Memoranda: | ||
| Average total assets | $1,102,231,000 | 721 |
| Average earning assets | $1,048,739,750 | 695 |
| Average equity | $116,128,500 | 783 |
| Average total loans | $844,229,250 | 687 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 1,905 |
| Cost of funding earning assets | 1.3723% | 591 |
| Net interest margin | 3.4795% | 3,662 |
| Noninterest income to average assets | 0.5075% | 2,635 |
| Noninterest expense to average assets | 2.0740% | 4,459 |
| Loan and lease loss provision to assets | 0.0943% | 1,969 |
| Net operating income to assets | 1.3660% | 1,525 |
| Return on assets (ROA) | 1.3640% | 1,594 |
| Pretax return on assets | 1.6442% | 1,418 |
| Return on Equity (ROE) | 13.1197% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.1197% | 291 |
| Net charge-offs to loans | -0.0077% | 4,243 |
| Credit loss provision to net charge-offs | -1,609.3750% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8620% | 4,489 |
| Assets per employee ($millions) | 6.7460% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,302 |
| Loan loss allowance to noncurrent loans | 991.6733% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,187 |
| Noncurrent loans to loans | 0.1504% | 4,011 |
| Net loans and leases to total assets | 75.0910% | 1,707 |
| Net loans and leases to deposits | 92.9593% | 1,378 |
| Net loans and leases to core deposits | 104.3499% | 1,358 |
| Total domestic deposits to total assets | 80.7783% | 3,877 |
| Equity capital to assets | 10.8678% | 3,206 |
| Core capital (leverage) ratio | 10.5860% | 2,992 |
| Tier 1 risk-based capital ratio | 11.9984% | 4,416 |
| Total risk-based capital ratio | 13.2489% | 4,307 |
| Memoranda: | ||
| Average total assets | $1,092,067,330 | 727 |
| Average earning assets | $1,038,088,670 | 699 |
| Average equity | $113,539,000 | 793 |
| Average total loans | $836,326,670 | 685 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 1,963 |
| Cost of funding earning assets | 1.3326% | 591 |
| Net interest margin | 3.4451% | 3,762 |
| Noninterest income to average assets | 0.4664% | 2,760 |
| Noninterest expense to average assets | 2.0454% | 4,567 |
| Loan and lease loss provision to assets | 0.0937% | 1,858 |
| Net operating income to assets | 1.3879% | 1,412 |
| Return on assets (ROA) | 1.3879% | 1,447 |
| Pretax return on assets | 1.6018% | 1,467 |
| Return on Equity (ROE) | 13.6617% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.6617% | 380 |
| Net charge-offs to loans | 0.0024% | 2,670 |
| Credit loss provision to net charge-offs | 5,100.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 922.6000% | 59 |
| Efficiency ratio | 54.1658% | 4,516 |
| Assets per employee ($millions) | 6.9440% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,530 |
| Loan loss allowance to noncurrent loans | 928.3650% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,164 |
| Noncurrent loans to loans | 0.1554% | 4,043 |
| Net loans and leases to total assets | 75.5427% | 1,551 |
| Net loans and leases to deposits | 93.9692% | 1,180 |
| Net loans and leases to core deposits | 107.0356% | 1,099 |
| Total domestic deposits to total assets | 80.3909% | 4,096 |
| Equity capital to assets | 10.2465% | 3,575 |
| Core capital (leverage) ratio | 10.3482% | 3,223 |
| Tier 1 risk-based capital ratio | 11.3334% | 4,819 |
| Total risk-based capital ratio | 12.5632% | 4,743 |
| Memoranda: | ||
| Average total assets | $1,088,299,500 | 732 |
| Average earning assets | $1,034,399,500 | 705 |
| Average equity | $110,557,000 | 810 |
| Average total loans | $835,386,000 | 693 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 2,179 |
| Cost of funding earning assets | 1.0682% | 555 |
| Net interest margin | 3.5141% | 3,659 |
| Noninterest income to average assets | 0.5223% | 2,701 |
| Noninterest expense to average assets | 2.1487% | 4,451 |
| Loan and lease loss provision to assets | 0.1033% | 2,128 |
| Net operating income to assets | 1.2841% | 1,864 |
| Return on assets (ROA) | 1.2851% | 1,855 |
| Pretax return on assets | 1.6065% | 1,450 |
| Return on Equity (ROE) | 13.0218% | 1,342 |
| Retained earnings to average equity (ytd only) | 13.0218% | 231 |
| Net charge-offs to loans | 0.0921% | 1,851 |
| Credit loss provision to net charge-offs | 147.7591% | 1,855 |
| Earnings coverage of net charge-offs (x) | 24.4300% | 1,812 |
| Efficiency ratio | 55.1704% | 4,497 |
| Assets per employee ($millions) | 6.7880% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,448 |
| Loan loss allowance to noncurrent loans | 895.0599% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,160 |
| Noncurrent loans to loans | 0.1620% | 4,014 |
| Net loans and leases to total assets | 75.7613% | 1,654 |
| Net loans and leases to deposits | 97.3371% | 949 |
| Net loans and leases to core deposits | 107.9800% | 1,118 |
| Total domestic deposits to total assets | 77.8339% | 4,521 |
| Equity capital to assets | 10.0683% | 3,611 |
| Core capital (leverage) ratio | 10.4547% | 3,081 |
| Tier 1 risk-based capital ratio | 11.6093% | 4,661 |
| Total risk-based capital ratio | 12.8596% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,020,873,400 | 751 |
| Average earning assets | $968,845,200 | 729 |
| Average equity | $100,746,800 | 848 |
| Average total loans | $774,860,200 | 720 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 2,346 |
| Cost of funding earning assets | 1.0111% | 567 |
| Net interest margin | 3.4775% | 3,772 |
| Noninterest income to average assets | 0.5276% | 2,695 |
| Noninterest expense to average assets | 2.1672% | 4,396 |
| Loan and lease loss provision to assets | 0.1045% | 1,923 |
| Net operating income to assets | 1.2487% | 2,053 |
| Return on assets (ROA) | 1.2500% | 2,054 |
| Pretax return on assets | 1.5570% | 1,712 |
| Return on Equity (ROE) | 12.7350% | 1,525 |
| Retained earnings to average equity (ytd only) | 12.7350% | 390 |
| Net charge-offs to loans | 0.1119% | 1,377 |
| Credit loss provision to net charge-offs | 123.4375% | 1,953 |
| Earnings coverage of net charge-offs (x) | 19.6079% | 1,997 |
| Efficiency ratio | 56.0847% | 4,379 |
| Assets per employee ($millions) | 6.3158% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,411 |
| Loan loss allowance to noncurrent loans | 259.1850% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,889 |
| Noncurrent loans to loans | 0.5712% | 2,663 |
| Net loans and leases to total assets | 76.0656% | 1,651 |
| Net loans and leases to deposits | 97.8575% | 960 |
| Net loans and leases to core deposits | 110.0920% | 1,025 |
| Total domestic deposits to total assets | 77.7310% | 4,524 |
| Equity capital to assets | 9.9224% | 3,723 |
| Core capital (leverage) ratio | 10.3296% | 3,255 |
| Tier 1 risk-based capital ratio | 11.6063% | 4,729 |
| Total risk-based capital ratio | 12.8568% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,007,965,750 | 754 |
| Average earning assets | $956,384,250 | 733 |
| Average equity | $98,937,750 | 854 |
| Average total loans | $762,450,000 | 727 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,345 |
| Cost of funding earning assets | 0.9488% | 590 |
| Net interest margin | 3.4737% | 3,723 |
| Noninterest income to average assets | 0.5232% | 2,728 |
| Noninterest expense to average assets | 2.1461% | 4,497 |
| Loan and lease loss provision to assets | 0.1039% | 1,871 |
| Net operating income to assets | 1.2604% | 1,935 |
| Return on assets (ROA) | 1.2604% | 1,936 |
| Pretax return on assets | 1.5678% | 1,609 |
| Return on Equity (ROE) | 12.8889% | 1,405 |
| Retained earnings to average equity (ytd only) | 12.8889% | 395 |
| Net charge-offs to loans | 0.0955% | 1,395 |
| Credit loss provision to net charge-offs | 144.8468% | 1,608 |
| Earnings coverage of net charge-offs (x) | 23.3008% | 1,712 |
| Efficiency ratio | 55.6637% | 4,523 |
| Assets per employee ($millions) | 6.2705% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,305 |
| Loan loss allowance to noncurrent loans | 234.9491% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 2,781 |
| Noncurrent loans to loans | 0.6504% | 2,487 |
| Net loans and leases to total assets | 74.7115% | 1,831 |
| Net loans and leases to deposits | 93.7527% | 1,385 |
| Net loans and leases to core deposits | 103.7069% | 1,419 |
| Total domestic deposits to total assets | 79.6900% | 4,309 |
| Equity capital to assets | 9.8516% | 3,769 |
| Core capital (leverage) ratio | 10.1793% | 3,384 |
| Tier 1 risk-based capital ratio | 11.5627% | 4,760 |
| Total risk-based capital ratio | 12.8137% | 4,645 |
| Memoranda: | ||
| Average total assets | $1,000,795,000 | 760 |
| Average earning assets | $949,187,670 | 741 |
| Average equity | $97,867,330 | 862 |
| Average total loans | $751,651,330 | 737 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,146 |
| Cost of funding earning assets | 0.8817% | 659 |
| Net interest margin | 3.5335% | 3,414 |
| Noninterest income to average assets | 0.5231% | 2,667 |
| Noninterest expense to average assets | 2.1516% | 4,534 |
| Loan and lease loss provision to assets | 0.1047% | 1,776 |
| Net operating income to assets | 1.2963% | 1,653 |
| Return on assets (ROA) | 1.2963% | 1,657 |
| Pretax return on assets | 1.6140% | 1,351 |
| Return on Equity (ROE) | 13.3066% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.3066% | 477 |
| Net charge-offs to loans | 0.1067% | 1,138 |
| Credit loss provision to net charge-offs | 131.3131% | 1,326 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,429 |
| Efficiency ratio | 55.0515% | 4,688 |
| Assets per employee ($millions) | 6.0531% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,217 |
| Loan loss allowance to noncurrent loans | 250.4611% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,974 |
| Noncurrent loans to loans | 0.6292% | 2,658 |
| Net loans and leases to total assets | 73.4751% | 1,952 |
| Net loans and leases to deposits | 90.2460% | 1,659 |
| Net loans and leases to core deposits | 105.2273% | 1,299 |
| Total domestic deposits to total assets | 81.4164% | 4,112 |
| Equity capital to assets | 9.8066% | 3,786 |
| Core capital (leverage) ratio | 9.9718% | 3,565 |
| Tier 1 risk-based capital ratio | 11.5502% | 4,837 |
| Total risk-based capital ratio | 12.8015% | 4,730 |
| Memoranda: | ||
| Average total assets | $993,285,000 | 768 |
| Average earning assets | $940,949,500 | 748 |
| Average equity | $96,764,000 | 877 |
| Average total loans | $742,122,500 | 743 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 2,652 |
| Cost of funding earning assets | 0.7947% | 638 |
| Net interest margin | 3.4156% | 3,802 |
| Noninterest income to average assets | 0.5486% | 2,726 |
| Noninterest expense to average assets | 2.0925% | 4,780 |
| Loan and lease loss provision to assets | 0.1070% | 2,096 |
| Net operating income to assets | 1.6650% | 567 |
| Return on assets (ROA) | 1.6390% | 617 |
| Pretax return on assets | 1.5629% | 1,407 |
| Return on Equity (ROE) | 17.5346% | 344 |
| Retained earnings to average equity (ytd only) | 9.6512% | 400 |
| Net charge-offs to loans | 0.0265% | 3,279 |
| Credit loss provision to net charge-offs | 544.5596% | 591 |
| Earnings coverage of net charge-offs (x) | 86.2953% | 723 |
| Efficiency ratio | 54.6701% | 4,890 |
| Assets per employee ($millions) | 6.1730% | 1,398 |
| Cash dividends to net income (ytd only)* | 44.9587% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,236 |
| Loan loss allowance to noncurrent loans | 212.8825% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 2,730 |
| Noncurrent loans to loans | 0.7343% | 2,376 |
| Net loans and leases to total assets | 73.6074% | 1,984 |
| Net loans and leases to deposits | 89.2875% | 1,858 |
| Net loans and leases to core deposits | 107.7788% | 1,144 |
| Total domestic deposits to total assets | 82.4387% | 3,747 |
| Equity capital to assets | 9.6771% | 4,061 |
| Core capital (leverage) ratio | 9.7358% | 3,761 |
| Tier 1 risk-based capital ratio | 11.1510% | 5,062 |
| Total risk-based capital ratio | 12.4024% | 4,942 |
| Memoranda: | ||
| Average total assets | $982,101,200 | 756 |
| Average earning assets | $931,512,800 | 732 |
| Average equity | $91,801,600 | 891 |
| Average total loans | $727,581,800 | 727 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 2,266 |
| Cost of funding earning assets | 0.7808% | 645 |
| Net interest margin | 3.5169% | 3,441 |
| Noninterest income to average assets | 0.5488% | 2,736 |
| Noninterest expense to average assets | 2.1389% | 4,655 |
| Loan and lease loss provision to assets | 0.1055% | 2,002 |
| Net operating income to assets | 1.5930% | 730 |
| Return on assets (ROA) | 1.5651% | 794 |
| Pretax return on assets | 1.6128% | 1,370 |
| Return on Equity (ROE) | 16.8948% | 441 |
| Retained earnings to average equity (ytd only) | 8.3960% | 1,057 |
| Net charge-offs to loans | 0.0352% | 2,729 |
| Credit loss provision to net charge-offs | 405.7592% | 762 |
| Earnings coverage of net charge-offs (x) | 67.1729% | 925 |
| Efficiency ratio | 54.4923% | 4,899 |
| Assets per employee ($millions) | 6.0327% | 1,467 |
| Cash dividends to net income (ytd only)* | 50.3045% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,424 |
| Loan loss allowance to noncurrent loans | 246.4798% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 3,163 |
| Noncurrent loans to loans | 0.6216% | 2,847 |
| Net loans and leases to total assets | 74.1333% | 1,889 |
| Net loans and leases to deposits | 92.9752% | 1,423 |
| Net loans and leases to core deposits | 114.5318% | 805 |
| Total domestic deposits to total assets | 79.7345% | 4,386 |
| Equity capital to assets | 9.5346% | 4,412 |
| Core capital (leverage) ratio | 9.4389% | 4,240 |
| Tier 1 risk-based capital ratio | 11.0020% | 5,247 |
| Total risk-based capital ratio | 12.2532% | 5,136 |
| Memoranda: | ||
| Average total assets | $979,163,000 | 759 |
| Average earning assets | $929,135,000 | 733 |
| Average equity | $90,708,000 | 902 |
| Average total loans | $723,685,500 | 727 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,257 |
| Cost of funding earning assets | 0.7494% | 690 |
| Net interest margin | 3.5080% | 3,368 |
| Noninterest income to average assets | 0.5425% | 2,757 |
| Noninterest expense to average assets | 2.1052% | 4,763 |
| Loan and lease loss provision to assets | 0.1043% | 1,943 |
| Net operating income to assets | 1.6107% | 686 |
| Return on assets (ROA) | 1.6143% | 702 |
| Pretax return on assets | 1.6630% | 1,153 |
| Return on Equity (ROE) | 17.5980% | 362 |
| Retained earnings to average equity (ytd only) | 8.9685% | 850 |
| Net charge-offs to loans | 0.0482% | 2,252 |
| Credit loss provision to net charge-offs | 294.7977% | 970 |
| Earnings coverage of net charge-offs (x) | 49.8382% | 1,077 |
| Efficiency ratio | 53.8596% | 5,027 |
| Assets per employee ($millions) | 6.0412% | 1,431 |
| Cash dividends to net income (ytd only)* | 49.0370% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,509 |
| Loan loss allowance to noncurrent loans | 216.8882% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 3,034 |
| Noncurrent loans to loans | 0.7017% | 2,648 |
| Net loans and leases to total assets | 72.9101% | 2,059 |
| Net loans and leases to deposits | 91.8813% | 1,510 |
| Net loans and leases to core deposits | 108.9384% | 1,053 |
| Total domestic deposits to total assets | 79.3525% | 4,546 |
| Equity capital to assets | 9.4110% | 4,503 |
| Core capital (leverage) ratio | 9.3290% | 4,328 |
| Tier 1 risk-based capital ratio | 10.7950% | 5,342 |
| Total risk-based capital ratio | 12.0459% | 5,269 |
| Memoranda: | ||
| Average total assets | $977,775,330 | 765 |
| Average earning assets | $927,132,670 | 738 |
| Average equity | $89,692,000 | 914 |
| Average total loans | $718,142,330 | 736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,093 |
| Cost of funding earning assets | 0.7345% | 711 |
| Net interest margin | 3.5165% | 3,216 |
| Noninterest income to average assets | 0.4972% | 3,001 |
| Noninterest expense to average assets | 2.0716% | 4,907 |
| Loan and lease loss provision to assets | 0.1047% | 1,825 |
| Net operating income to assets | 1.6003% | 676 |
| Return on assets (ROA) | 1.6003% | 693 |
| Pretax return on assets | 1.6488% | 1,129 |
| Return on Equity (ROE) | 17.6775% | 358 |
| Retained earnings to average equity (ytd only) | 10.4169% | 725 |
| Net charge-offs to loans | 0.0887% | 1,458 |
| Credit loss provision to net charge-offs | 161.3924% | 1,160 |
| Earnings coverage of net charge-offs (x) | 27.0316% | 1,282 |
| Efficiency ratio | 53.6009% | 5,167 |
| Assets per employee ($millions) | 6.1616% | 1,389 |
| Cash dividends to net income (ytd only)* | 41.0723% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,608 |
| Loan loss allowance to noncurrent loans | 191.0931% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 2,894 |
| Noncurrent loans to loans | 0.7978% | 2,465 |
| Net loans and leases to total assets | 72.0289% | 2,072 |
| Net loans and leases to deposits | 89.3204% | 1,631 |
| Net loans and leases to core deposits | 106.5966% | 1,062 |
| Total domestic deposits to total assets | 80.6411% | 4,494 |
| Equity capital to assets | 9.2083% | 4,608 |
| Core capital (leverage) ratio | 9.0950% | 4,626 |
| Tier 1 risk-based capital ratio | 10.8985% | 5,362 |
| Total risk-based capital ratio | 12.1495% | 5,285 |
| Memoranda: | ||
| Average total assets | $974,308,500 | 774 |
| Average earning assets | $922,050,500 | 746 |
| Average equity | $88,202,500 | 924 |
| Average total loans | $712,689,500 | 740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,133 |
| Cost of funding earning assets | 0.7025% | 801 |
| Net interest margin | 3.5992% | 3,067 |
| Noninterest income to average assets | 0.5460% | 2,937 |
| Noninterest expense to average assets | 2.2022% | 4,767 |
| Loan and lease loss provision to assets | 0.1070% | 2,259 |
| Net operating income to assets | 1.5960% | 685 |
| Return on assets (ROA) | 1.5997% | 706 |
| Pretax return on assets | 1.6488% | 1,138 |
| Return on Equity (ROE) | 17.3626% | 373 |
| Retained earnings to average equity (ytd only) | 8.7851% | 633 |
| Net charge-offs to loans | 0.0523% | 2,995 |
| Credit loss provision to net charge-offs | 277.3109% | 1,050 |
| Earnings coverage of net charge-offs (x) | 45.4146% | 1,072 |
| Efficiency ratio | 55.1186% | 5,137 |
| Assets per employee ($millions) | 6.1714% | 1,353 |
| Cash dividends to net income (ytd only)* | 49.4021% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,634 |
| Loan loss allowance to noncurrent loans | 360.1942% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 4,016 |
| Noncurrent loans to loans | 0.4188% | 3,642 |
| Net loans and leases to total assets | 72.0491% | 2,158 |
| Net loans and leases to deposits | 90.1958% | 1,660 |
| Net loans and leases to core deposits | 108.5721% | 989 |
| Total domestic deposits to total assets | 79.8808% | 4,600 |
| Equity capital to assets | 8.8977% | 4,913 |
| Core capital (leverage) ratio | 9.2240% | 4,445 |
| Tier 1 risk-based capital ratio | 10.8150% | 5,426 |
| Total risk-based capital ratio | 12.0661% | 5,325 |
| Memoranda: | ||
| Average total assets | $925,384,400 | 777 |
| Average earning assets | $876,274,200 | 744 |
| Average equity | $85,258,200 | 932 |
| Average total loans | $682,173,800 | 732 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 2,018 |
| Cost of funding earning assets | 0.7076% | 787 |
| Net interest margin | 3.6369% | 2,934 |
| Noninterest income to average assets | 0.5545% | 2,892 |
| Noninterest expense to average assets | 2.2603% | 4,626 |
| Loan and lease loss provision to assets | 0.1066% | 2,152 |
| Net operating income to assets | 1.5828% | 757 |
| Return on assets (ROA) | 1.5878% | 791 |
| Pretax return on assets | 1.6368% | 1,282 |
| Return on Equity (ROE) | 17.0772% | 440 |
| Retained earnings to average equity (ytd only) | 8.0784% | 1,143 |
| Net charge-offs to loans | 0.0763% | 2,233 |
| Credit loss provision to net charge-offs | 189.1192% | 1,490 |
| Earnings coverage of net charge-offs (x) | 30.8370% | 1,462 |
| Efficiency ratio | 55.9533% | 5,070 |
| Assets per employee ($millions) | 5.9238% | 1,495 |
| Cash dividends to net income (ytd only)* | 52.6950% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,658 |
| Loan loss allowance to noncurrent loans | 598.6278% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,521 |
| Noncurrent loans to loans | 0.2554% | 4,351 |
| Net loans and leases to total assets | 72.5131% | 2,113 |
| Net loans and leases to deposits | 91.0252% | 1,627 |
| Net loans and leases to core deposits | 109.4846% | 952 |
| Total domestic deposits to total assets | 79.6627% | 4,583 |
| Equity capital to assets | 9.4410% | 4,725 |
| Core capital (leverage) ratio | 9.2163% | 4,566 |
| Tier 1 risk-based capital ratio | 10.8775% | 5,441 |
| Total risk-based capital ratio | 12.1287% | 5,348 |
| Memoranda: | ||
| Average total assets | $912,961,250 | 790 |
| Average earning assets | $864,556,750 | 756 |
| Average equity | $84,883,000 | 942 |
| Average total loans | $674,394,000 | 740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 1,935 |
| Cost of funding earning assets | 0.7105% | 761 |
| Net interest margin | 3.6531% | 2,882 |
| Noninterest income to average assets | 0.5436% | 2,938 |
| Noninterest expense to average assets | 2.2803% | 4,661 |
| Loan and lease loss provision to assets | 0.1069% | 2,073 |
| Net operating income to assets | 1.5759% | 763 |
| Return on assets (ROA) | 1.5814% | 796 |
| Pretax return on assets | 1.6295% | 1,279 |
| Return on Equity (ROE) | 17.0995% | 431 |
| Retained earnings to average equity (ytd only) | 6.8050% | 1,713 |
| Net charge-offs to loans | 0.0644% | 2,278 |
| Credit loss provision to net charge-offs | 224.5370% | 1,202 |
| Earnings coverage of net charge-offs (x) | 36.3472% | 1,231 |
| Efficiency ratio | 56.2737% | 5,118 |
| Assets per employee ($millions) | 5.8948% | 1,483 |
| Cash dividends to net income (ytd only)* | 60.2035% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,760 |
| Loan loss allowance to noncurrent loans | 401.0417% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 4,217 |
| Noncurrent loans to loans | 0.3811% | 3,998 |
| Net loans and leases to total assets | 73.2956% | 1,960 |
| Net loans and leases to deposits | 91.9832% | 1,519 |
| Net loans and leases to core deposits | 108.7152% | 1,001 |
| Total domestic deposits to total assets | 79.6837% | 4,630 |
| Equity capital to assets | 9.4440% | 4,825 |
| Core capital (leverage) ratio | 9.0372% | 4,784 |
| Tier 1 risk-based capital ratio | 10.8440% | 5,505 |
| Total risk-based capital ratio | 12.0955% | 5,424 |
| Memoranda: | ||
| Average total assets | $907,268,670 | 799 |
| Average earning assets | $861,139,330 | 765 |
| Average equity | $83,909,000 | 949 |
| Average total loans | $670,902,000 | 739 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 1,867 |
| Cost of funding earning assets | 0.7121% | 760 |
| Net interest margin | 3.6672% | 2,818 |
| Noninterest income to average assets | 0.5270% | 2,953 |
| Noninterest expense to average assets | 2.1906% | 4,922 |
| Loan and lease loss provision to assets | 0.1084% | 1,908 |
| Net operating income to assets | 1.6570% | 628 |
| Return on assets (ROA) | 1.6570% | 668 |
| Pretax return on assets | 1.7074% | 1,053 |
| Return on Equity (ROE) | 18.1096% | 345 |
| Retained earnings to average equity (ytd only) | 3.1819% | 3,918 |
| Net charge-offs to loans | 0.0072% | 2,877 |
| Credit loss provision to net charge-offs | 2,041.6667% | 203 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 175 |
| Efficiency ratio | 54.1027% | 5,375 |
| Assets per employee ($millions) | 5.8147% | 1,564 |
| Cash dividends to net income (ytd only)* | 82.4299% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,773 |
| Loan loss allowance to noncurrent loans | 483.1623% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 4,543 |
| Noncurrent loans to loans | 0.3217% | 4,278 |
| Net loans and leases to total assets | 72.7935% | 1,904 |
| Net loans and leases to deposits | 90.2195% | 1,556 |
| Net loans and leases to core deposits | 105.2766% | 1,123 |
| Total domestic deposits to total assets | 80.6849% | 4,581 |
| Equity capital to assets | 9.2424% | 4,946 |
| Core capital (leverage) ratio | 8.8619% | 5,012 |
| Tier 1 risk-based capital ratio | 10.8610% | 5,575 |
| Total risk-based capital ratio | 12.1129% | 5,475 |
| Memoranda: | ||
| Average total assets | $904,052,500 | 800 |
| Average earning assets | $857,770,000 | 772 |
| Average equity | $82,718,500 | 963 |
| Average total loans | $666,304,000 | 745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,039 |
| Cost of funding earning assets | 0.7028% | 812 |
| Net interest margin | 3.6534% | 2,924 |
| Noninterest income to average assets | 0.5289% | 3,145 |
| Noninterest expense to average assets | 2.2235% | 4,995 |
| Loan and lease loss provision to assets | 0.1112% | 2,137 |
| Net operating income to assets | 1.5971% | 709 |
| Return on assets (ROA) | 1.6015% | 722 |
| Pretax return on assets | 1.6504% | 1,111 |
| Return on Equity (ROE) | 17.4376% | 418 |
| Retained earnings to average equity (ytd only) | 3.0962% | 3,852 |
| Net charge-offs to loans | 0.0701% | 2,842 |
| Credit loss provision to net charge-offs | 215.5361% | 1,317 |
| Earnings coverage of net charge-offs (x) | 34.0460% | 1,327 |
| Efficiency ratio | 55.2627% | 5,410 |
| Assets per employee ($millions) | 5.9270% | 1,438 |
| Cash dividends to net income (ytd only)* | 82.2438% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,902 |
| Loan loss allowance to noncurrent loans | 368.6203% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 4,309 |
| Noncurrent loans to loans | 0.4124% | 3,972 |
| Net loans and leases to total assets | 72.3458% | 1,990 |
| Net loans and leases to deposits | 89.0027% | 1,748 |
| Net loans and leases to core deposits | 105.5362% | 1,125 |
| Total domestic deposits to total assets | 81.2849% | 4,405 |
| Equity capital to assets | 9.0577% | 5,070 |
| Core capital (leverage) ratio | 8.8200% | 5,090 |
| Tier 1 risk-based capital ratio | 10.8063% | 5,624 |
| Total risk-based capital ratio | 12.0578% | 5,531 |
| Memoranda: | ||
| Average total assets | $885,498,000 | 778 |
| Average earning assets | $836,624,400 | 748 |
| Average equity | $81,324,400 | 932 |
| Average total loans | $652,207,200 | 718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,135 |
| Cost of funding earning assets | 0.6998% | 836 |
| Net interest margin | 3.6311% | 3,027 |
| Noninterest income to average assets | 0.5291% | 3,172 |
| Noninterest expense to average assets | 2.2092% | 5,030 |
| Loan and lease loss provision to assets | 0.1121% | 2,012 |
| Net operating income to assets | 1.5871% | 792 |
| Return on assets (ROA) | 1.5930% | 816 |
| Pretax return on assets | 1.6415% | 1,263 |
| Return on Equity (ROE) | 17.2840% | 451 |
| Retained earnings to average equity (ytd only) | 3.1311% | 4,227 |
| Net charge-offs to loans | 0.0483% | 2,926 |
| Credit loss provision to net charge-offs | 314.8936% | 925 |
| Earnings coverage of net charge-offs (x) | 49.0887% | 1,070 |
| Efficiency ratio | 55.2335% | 5,431 |
| Assets per employee ($millions) | 5.7862% | 1,521 |
| Cash dividends to net income (ytd only)* | 81.8848% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 2,090 |
| Loan loss allowance to noncurrent loans | 407.8724% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 4,543 |
| Noncurrent loans to loans | 0.3716% | 4,283 |
| Net loans and leases to total assets | 73.1920% | 1,869 |
| Net loans and leases to deposits | 92.0842% | 1,398 |
| Net loans and leases to core deposits | 110.8196% | 832 |
| Total domestic deposits to total assets | 79.4838% | 4,865 |
| Equity capital to assets | 9.1458% | 5,167 |
| Core capital (leverage) ratio | 8.9393% | 5,069 |
| Tier 1 risk-based capital ratio | 10.8466% | 5,734 |
| Total risk-based capital ratio | 12.0984% | 5,662 |
| Memoranda: | ||
| Average total assets | $880,164,750 | 789 |
| Average earning assets | $830,836,250 | 763 |
| Average equity | $81,121,000 | 944 |
| Average total loans | $648,714,000 | 727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,110 |
| Cost of funding earning assets | 0.6984% | 848 |
| Net interest margin | 3.6213% | 3,010 |
| Noninterest income to average assets | 0.5170% | 3,250 |
| Noninterest expense to average assets | 2.2090% | 5,091 |
| Loan and lease loss provision to assets | 0.1121% | 1,965 |
| Net operating income to assets | 1.5762% | 785 |
| Return on assets (ROA) | 1.5872% | 796 |
| Pretax return on assets | 1.6355% | 1,240 |
| Return on Equity (ROE) | 17.1765% | 464 |
| Retained earnings to average equity (ytd only) | 3.3185% | 3,934 |
| Net charge-offs to loans | 0.0495% | 2,720 |
| Credit loss provision to net charge-offs | 308.1761% | 918 |
| Earnings coverage of net charge-offs (x) | 47.7484% | 988 |
| Efficiency ratio | 55.3849% | 5,483 |
| Assets per employee ($millions) | 5.6697% | 1,603 |
| Cash dividends to net income (ytd only)* | 80.6800% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 2,247 |
| Loan loss allowance to noncurrent loans | 536.1231% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 4,939 |
| Noncurrent loans to loans | 0.2819% | 4,666 |
| Net loans and leases to total assets | 73.1600% | 1,793 |
| Net loans and leases to deposits | 92.7052% | 1,287 |
| Net loans and leases to core deposits | 108.8036% | 905 |
| Total domestic deposits to total assets | 78.9168% | 5,114 |
| Equity capital to assets | 9.1145% | 5,132 |
| Core capital (leverage) ratio | 8.8230% | 5,197 |
| Tier 1 risk-based capital ratio | 10.9134% | 5,758 |
| Total risk-based capital ratio | 12.1651% | 5,672 |
| Memoranda: | ||
| Average total assets | $874,598,670 | 799 |
| Average earning assets | $827,945,330 | 771 |
| Average equity | $80,819,670 | 951 |
| Average total loans | $642,773,670 | 730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,121 |
| Cost of funding earning assets | 0.6962% | 867 |
| Net interest margin | 3.5971% | 3,015 |
| Noninterest income to average assets | 0.5073% | 3,241 |
| Noninterest expense to average assets | 2.1967% | 5,159 |
| Loan and lease loss provision to assets | 0.1127% | 1,832 |
| Net operating income to assets | 1.5536% | 772 |
| Return on assets (ROA) | 1.5638% | 799 |
| Pretax return on assets | 1.6117% | 1,243 |
| Return on Equity (ROE) | 16.8063% | 487 |
| Retained earnings to average equity (ytd only) | 2.1206% | 4,615 |
| Net charge-offs to loans | 0.0516% | 2,263 |
| Credit loss provision to net charge-offs | 298.7805% | 822 |
| Earnings coverage of net charge-offs (x) | 45.4390% | 899 |
| Efficiency ratio | 55.5634% | 5,551 |
| Assets per employee ($millions) | 5.5502% | 1,756 |
| Cash dividends to net income (ytd only)* | 87.3824% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 2,391 |
| Loan loss allowance to noncurrent loans | 538.6865% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,010 |
| Noncurrent loans to loans | 0.2812% | 4,771 |
| Net loans and leases to total assets | 71.9082% | 1,818 |
| Net loans and leases to deposits | 91.7467% | 1,218 |
| Net loans and leases to core deposits | 111.3040% | 693 |
| Total domestic deposits to total assets | 78.3769% | 5,373 |
| Equity capital to assets | 9.2093% | 5,075 |
| Core capital (leverage) ratio | 8.8717% | 5,109 |
| Tier 1 risk-based capital ratio | 11.0532% | 5,778 |
| Total risk-based capital ratio | 12.3050% | 5,703 |
| Memoranda: | ||
| Average total assets | $869,663,000 | 809 |
| Average earning assets | $822,770,000 | 778 |
| Average equity | $80,922,000 | 945 |
| Average total loans | $635,657,000 | 736 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,241 |
| Cost of funding earning assets | 0.7209% | 998 |
| Net interest margin | 3.6735% | 3,111 |
| Noninterest income to average assets | 0.5613% | 3,117 |
| Noninterest expense to average assets | 2.2843% | 5,151 |
| Loan and lease loss provision to assets | 0.1423% | 1,868 |
| Net operating income to assets | 1.5519% | 791 |
| Return on assets (ROA) | 1.5511% | 824 |
| Pretax return on assets | 1.5968% | 1,245 |
| Return on Equity (ROE) | 16.2395% | 591 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,509 |
| Net charge-offs to loans | 0.0228% | 4,385 |
| Credit loss provision to net charge-offs | 878.7879% | 310 |
| Earnings coverage of net charge-offs (x) | 107.4773% | 489 |
| Efficiency ratio | 56.1271% | 5,655 |
| Assets per employee ($millions) | 5.4926% | 1,776 |
| Cash dividends to net income (ytd only)* | 76.6031% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 2,339 |
| Loan loss allowance to noncurrent loans | 679.2640% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,261 |
| Noncurrent loans to loans | 0.2254% | 5,019 |
| Net loans and leases to total assets | 72.0525% | 1,903 |
| Net loans and leases to deposits | 91.5918% | 1,330 |
| Net loans and leases to core deposits | 112.4071% | 673 |
| Total domestic deposits to total assets | 78.6670% | 5,316 |
| Equity capital to assets | 9.4035% | 4,838 |
| Core capital (leverage) ratio | 9.0348% | 4,941 |
| Tier 1 risk-based capital ratio | 12.0277% | 5,348 |
| Total risk-based capital ratio | 13.2810% | 5,248 |
| Memoranda: | ||
| Average total assets | $815,375,200 | 830 |
| Average earning assets | $768,633,000 | 792 |
| Average equity | $77,878,000 | 942 |
| Average total loans | $579,985,800 | 761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,288 |
| Cost of funding earning assets | 0.7264% | 1,010 |
| Net interest margin | 3.6543% | 3,207 |
| Noninterest income to average assets | 0.5600% | 3,133 |
| Noninterest expense to average assets | 2.2997% | 5,105 |
| Loan and lease loss provision to assets | 0.1515% | 1,645 |
| Net operating income to assets | 1.5100% | 918 |
| Return on assets (ROA) | 1.5087% | 955 |
| Pretax return on assets | 1.5527% | 1,475 |
| Return on Equity (ROE) | 15.7311% | 709 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,832 |
| Net charge-offs to loans | 0.0007% | 4,684 |
| Credit loss provision to net charge-offs | 30,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,432.5800% | 12 |
| Efficiency ratio | 56.7672% | 5,581 |
| Assets per employee ($millions) | 5.1903% | 2,028 |
| Cash dividends to net income (ytd only)* | 74.8600% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 2,476 |
| Loan loss allowance to noncurrent loans | 698.2327% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 5,389 |
| Noncurrent loans to loans | 0.2229% | 5,230 |
| Net loans and leases to total assets | 71.7711% | 1,888 |
| Net loans and leases to deposits | 93.0781% | 1,118 |
| Net loans and leases to core deposits | 116.1862% | 500 |
| Total domestic deposits to total assets | 77.1085% | 5,659 |
| Equity capital to assets | 9.5181% | 4,780 |
| Core capital (leverage) ratio | 9.1662% | 4,826 |
| Tier 1 risk-based capital ratio | 12.2407% | 5,338 |
| Total risk-based capital ratio | 13.4943% | 5,255 |
| Memoranda: | ||
| Average total assets | $805,007,250 | 848 |
| Average earning assets | $758,985,750 | 806 |
| Average equity | $77,204,000 | 953 |
| Average total loans | $568,237,750 | 777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 2,539 |
| Cost of funding earning assets | 0.7248% | 1,052 |
| Net interest margin | 3.5887% | 3,409 |
| Noninterest income to average assets | 0.5528% | 3,100 |
| Noninterest expense to average assets | 2.3130% | 5,123 |
| Loan and lease loss provision to assets | 0.1522% | 1,618 |
| Net operating income to assets | 1.4261% | 1,008 |
| Return on assets (ROA) | 1.4358% | 1,028 |
| Pretax return on assets | 1.4779% | 1,605 |
| Return on Equity (ROE) | 14.9320% | 801 |
| Retained earnings to average equity (ytd only) | 2.9780% | 4,307 |
| Net charge-offs to loans | 0.0397% | 3,437 |
| Credit loss provision to net charge-offs | 550.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 58.5273% | 819 |
| Efficiency ratio | 58.1382% | 5,539 |
| Assets per employee ($millions) | 4.9804% | 2,238 |
| Cash dividends to net income (ytd only)* | 80.0561% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 2,575 |
| Loan loss allowance to noncurrent loans | 821.8495% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,605 |
| Noncurrent loans to loans | 0.1913% | 5,438 |
| Net loans and leases to total assets | 69.9265% | 2,099 |
| Net loans and leases to deposits | 91.3250% | 1,235 |
| Net loans and leases to core deposits | 113.7241% | 549 |
| Total domestic deposits to total assets | 76.5689% | 5,851 |
| Equity capital to assets | 9.5868% | 4,644 |
| Core capital (leverage) ratio | 9.4222% | 4,441 |
| Tier 1 risk-based capital ratio | 12.4057% | 5,295 |
| Total risk-based capital ratio | 13.6591% | 5,214 |
| Memoranda: | ||
| Average total assets | $794,797,330 | 854 |
| Average earning assets | $748,637,670 | 822 |
| Average equity | $76,426,330 | 959 |
| Average total loans | $554,574,330 | 789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,518 |
| Cost of funding earning assets | 0.7280% | 1,088 |
| Net interest margin | 3.5721% | 3,378 |
| Noninterest income to average assets | 0.5336% | 3,163 |
| Noninterest expense to average assets | 2.3121% | 5,161 |
| Loan and lease loss provision to assets | 0.1526% | 1,586 |
| Net operating income to assets | 1.3832% | 1,025 |
| Return on assets (ROA) | 1.3832% | 1,066 |
| Pretax return on assets | 1.4239% | 1,665 |
| Return on Equity (ROE) | 14.3622% | 883 |
| Retained earnings to average equity (ytd only) | 1.2994% | 5,096 |
| Net charge-offs to loans | 0.0236% | 3,097 |
| Credit loss provision to net charge-offs | 937.5000% | 328 |
| Earnings coverage of net charge-offs (x) | 96.8438% | 469 |
| Efficiency ratio | 58.7781% | 5,572 |
| Assets per employee ($millions) | 4.8689% | 2,417 |
| Cash dividends to net income (ytd only)* | 90.9526% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 2,641 |
| Loan loss allowance to noncurrent loans | 412.6050% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 5,241 |
| Noncurrent loans to loans | 0.3910% | 4,958 |
| Net loans and leases to total assets | 68.3288% | 2,170 |
| Net loans and leases to deposits | 85.4227% | 1,673 |
| Net loans and leases to core deposits | 103.7613% | 874 |
| Total domestic deposits to total assets | 79.9889% | 5,484 |
| Equity capital to assets | 9.6741% | 4,259 |
| Core capital (leverage) ratio | 9.3222% | 4,537 |
| Tier 1 risk-based capital ratio | 12.8218% | 5,107 |
| Total risk-based capital ratio | 14.0755% | 5,050 |
| Memoranda: | ||
| Average total assets | $786,295,000 | 868 |
| Average earning assets | $738,502,000 | 840 |
| Average equity | $75,726,500 | 967 |
| Average total loans | $543,496,500 | 807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 2,184 |
| Cost of funding earning assets | 0.8073% | 1,177 |
| Net interest margin | 3.6975% | 3,065 |
| Noninterest income to average assets | 0.5854% | 3,178 |
| Noninterest expense to average assets | 2.3800% | 5,129 |
| Loan and lease loss provision to assets | 0.1523% | 2,374 |
| Net operating income to assets | 1.4919% | 838 |
| Return on assets (ROA) | 1.4939% | 881 |
| Pretax return on assets | 1.5341% | 1,341 |
| Return on Equity (ROE) | 14.9406% | 778 |
| Retained earnings to average equity (ytd only) | 3.2743% | 3,901 |
| Net charge-offs to loans | 0.1363% | 3,439 |
| Credit loss provision to net charge-offs | 162.6761% | 1,402 |
| Earnings coverage of net charge-offs (x) | 17.9930% | 1,680 |
| Efficiency ratio | 57.9057% | 5,750 |
| Assets per employee ($millions) | 4.8384% | 2,390 |
| Cash dividends to net income (ytd only)* | 78.0847% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,795 |
| Loan loss allowance to noncurrent loans | 468.3060% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 5,456 |
| Noncurrent loans to loans | 0.3394% | 5,170 |
| Net loans and leases to total assets | 67.6977% | 2,406 |
| Net loans and leases to deposits | 85.5926% | 1,735 |
| Net loans and leases to core deposits | 105.8118% | 801 |
| Total domestic deposits to total assets | 79.0929% | 5,635 |
| Equity capital to assets | 9.5873% | 4,303 |
| Core capital (leverage) ratio | 9.3174% | 4,520 |
| Tier 1 risk-based capital ratio | 12.9249% | 5,034 |
| Total risk-based capital ratio | 14.1783% | 4,979 |
| Memoranda: | ||
| Average total assets | $758,439,800 | 882 |
| Average earning assets | $713,616,000 | 850 |
| Average equity | $75,833,400 | 940 |
| Average total loans | $520,937,000 | 816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 2,186 |
| Cost of funding earning assets | 0.8221% | 1,204 |
| Net interest margin | 3.6885% | 3,071 |
| Noninterest income to average assets | 0.5806% | 3,268 |
| Noninterest expense to average assets | 2.3738% | 5,103 |
| Loan and lease loss provision to assets | 0.1498% | 2,394 |
| Net operating income to assets | 1.4962% | 907 |
| Return on assets (ROA) | 1.4950% | 955 |
| Pretax return on assets | 1.5342% | 1,512 |
| Return on Equity (ROE) | 14.7934% | 836 |
| Retained earnings to average equity (ytd only) | 3.1822% | 4,408 |
| Net charge-offs to loans | 0.1503% | 3,039 |
| Credit loss provision to net charge-offs | 145.1890% | 1,623 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,810 |
| Efficiency ratio | 57.8354% | 5,712 |
| Assets per employee ($millions) | 4.7890% | 2,453 |
| Cash dividends to net income (ytd only)* | 78.4892% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 3,144 |
| Loan loss allowance to noncurrent loans | 370.3311% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 5,476 |
| Noncurrent loans to loans | 0.4239% | 5,139 |
| Net loans and leases to total assets | 67.7954% | 2,327 |
| Net loans and leases to deposits | 88.9430% | 1,276 |
| Net loans and leases to core deposits | 110.1738% | 573 |
| Total domestic deposits to total assets | 76.2234% | 6,146 |
| Equity capital to assets | 9.7032% | 4,298 |
| Core capital (leverage) ratio | 9.3836% | 4,551 |
| Tier 1 risk-based capital ratio | 12.8833% | 5,200 |
| Total risk-based capital ratio | 14.1365% | 5,134 |
| Memoranda: | ||
| Average total assets | $752,094,500 | 894 |
| Average earning assets | $709,253,750 | 859 |
| Average equity | $76,005,000 | 950 |
| Average total loans | $516,371,500 | 825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 2,053 |
| Cost of funding earning assets | 0.8412% | 1,193 |
| Net interest margin | 3.7002% | 2,959 |
| Noninterest income to average assets | 0.5676% | 3,396 |
| Noninterest expense to average assets | 2.3809% | 5,106 |
| Loan and lease loss provision to assets | 0.1505% | 2,442 |
| Net operating income to assets | 1.4899% | 918 |
| Return on assets (ROA) | 1.5045% | 961 |
| Pretax return on assets | 1.5434% | 1,500 |
| Return on Equity (ROE) | 14.6839% | 870 |
| Retained earnings to average equity (ytd only) | 3.5306% | 4,073 |
| Net charge-offs to loans | 0.1489% | 2,913 |
| Credit loss provision to net charge-offs | 147.3684% | 1,562 |
| Earnings coverage of net charge-offs (x) | 16.4395% | 1,666 |
| Efficiency ratio | 58.0101% | 5,731 |
| Assets per employee ($millions) | 4.6556% | 2,579 |
| Cash dividends to net income (ytd only)* | 75.9557% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 3,183 |
| Loan loss allowance to noncurrent loans | 238.7180% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 5,076 |
| Noncurrent loans to loans | 0.6666% | 4,606 |
| Net loans and leases to total assets | 68.0996% | 2,210 |
| Net loans and leases to deposits | 88.7970% | 1,254 |
| Net loans and leases to core deposits | 111.0867% | 520 |
| Total domestic deposits to total assets | 76.6914% | 6,172 |
| Equity capital to assets | 10.0089% | 3,905 |
| Core capital (leverage) ratio | 9.5731% | 4,116 |
| Tier 1 risk-based capital ratio | 13.2313% | 4,973 |
| Total risk-based capital ratio | 14.4848% | 4,912 |
| Memoranda: | ||
| Average total assets | $744,184,000 | 905 |
| Average earning assets | $702,347,670 | 866 |
| Average equity | $76,246,670 | 951 |
| Average total loans | $510,374,670 | 831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,693 |
| Cost of funding earning assets | 0.8597% | 1,205 |
| Net interest margin | 3.7847% | 2,506 |
| Noninterest income to average assets | 0.5298% | 3,574 |
| Noninterest expense to average assets | 2.4503% | 4,951 |
| Loan and lease loss provision to assets | 0.1515% | 2,353 |
| Net operating income to assets | 1.4617% | 934 |
| Return on assets (ROA) | 1.4914% | 948 |
| Pretax return on assets | 1.5293% | 1,491 |
| Return on Equity (ROE) | 14.3868% | 883 |
| Retained earnings to average equity (ytd only) | 2.7562% | 4,635 |
| Net charge-offs to loans | 0.2671% | 1,889 |
| Credit loss provision to net charge-offs | 83.0861% | 2,120 |
| Earnings coverage of net charge-offs (x) | 9.0504% | 1,889 |
| Efficiency ratio | 59.1713% | 5,699 |
| Assets per employee ($millions) | 4.7363% | 2,591 |
| Cash dividends to net income (ytd only)* | 80.8418% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,427 |
| Loan loss allowance to noncurrent loans | 195.9679% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 4,933 |
| Noncurrent loans to loans | 0.8127% | 4,499 |
| Net loans and leases to total assets | 66.6159% | 2,262 |
| Net loans and leases to deposits | 85.7679% | 1,374 |
| Net loans and leases to core deposits | 106.7021% | 619 |
| Total domestic deposits to total assets | 77.6700% | 6,163 |
| Equity capital to assets | 10.2418% | 3,867 |
| Core capital (leverage) ratio | 9.4607% | 4,145 |
| Tier 1 risk-based capital ratio | 13.4500% | 4,911 |
| Total risk-based capital ratio | 14.7037% | 4,865 |
| Memoranda: | ||
| Average total assets | $739,171,000 | 914 |
| Average earning assets | $697,432,000 | 883 |
| Average equity | $76,626,000 | 953 |
| Average total loans | $504,602,500 | 841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 3,243 |
| Cost of funding earning assets | 1.0539% | 1,104 |
| Net interest margin | 3.4856% | 4,554 |
| Noninterest income to average assets | 0.5009% | 3,891 |
| Noninterest expense to average assets | 2.0317% | 6,271 |
| Loan and lease loss provision to assets | 0.1590% | 3,628 |
| Net operating income to assets | 1.5819% | 782 |
| Return on assets (ROA) | 1.5831% | 860 |
| Pretax return on assets | 1.6241% | 1,324 |
| Return on Equity (ROE) | 14.5185% | 898 |
| Retained earnings to average equity (ytd only) | 3.5254% | 3,737 |
| Net charge-offs to loans | 0.0624% | 5,069 |
| Credit loss provision to net charge-offs | 376.2887% | 648 |
| Earnings coverage of net charge-offs (x) | 42.1615% | 766 |
| Efficiency ratio | 53.2770% | 6,348 |
| Assets per employee ($millions) | 5.7481% | 1,478 |
| Cash dividends to net income (ytd only)* | 75.7178% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 3,233 |
| Loan loss allowance to noncurrent loans | 119.2048% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 4,127 |
| Noncurrent loans to loans | 1.3561% | 3,567 |
| Net loans and leases to total assets | 67.7393% | 2,230 |
| Net loans and leases to deposits | 95.0333% | 679 |
| Net loans and leases to core deposits | 123.8174% | 243 |
| Total domestic deposits to total assets | 71.2795% | 6,727 |
| Equity capital to assets | 10.4943% | 3,535 |
| Core capital (leverage) ratio | 10.1899% | 3,155 |
| Tier 1 risk-based capital ratio | 13.8198% | 4,521 |
| Total risk-based capital ratio | 15.0737% | 4,469 |
| Memoranda: | ||
| Average total assets | $688,574,200 | 954 |
| Average earning assets | $654,411,000 | 920 |
| Average equity | $75,083,400 | 946 |
| Average total loans | $466,176,400 | 882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 3,280 |
| Cost of funding earning assets | 1.0892% | 1,104 |
| Net interest margin | 3.4927% | 4,676 |
| Noninterest income to average assets | 0.5046% | 3,895 |
| Noninterest expense to average assets | 2.0266% | 6,312 |
| Loan and lease loss provision to assets | 0.1602% | 3,512 |
| Net operating income to assets | 1.6005% | 842 |
| Return on assets (ROA) | 1.6022% | 936 |
| Pretax return on assets | 1.6431% | 1,439 |
| Return on Equity (ROE) | 14.5463% | 989 |
| Retained earnings to average equity (ytd only) | 3.7517% | 4,253 |
| Net charge-offs to loans | 0.0403% | 5,085 |
| Credit loss provision to net charge-offs | 590.5797% | 449 |
| Earnings coverage of net charge-offs (x) | 66.4041% | 608 |
| Efficiency ratio | 52.9400% | 6,358 |
| Assets per employee ($millions) | 5.4433% | 1,691 |
| Cash dividends to net income (ytd only)* | 74.2086% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,205 |
| Loan loss allowance to noncurrent loans | 217.9292% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 5,294 |
| Noncurrent loans to loans | 0.7716% | 4,865 |
| Net loans and leases to total assets | 67.6468% | 2,346 |
| Net loans and leases to deposits | 94.7628% | 733 |
| Net loans and leases to core deposits | 127.7192% | 210 |
| Total domestic deposits to total assets | 71.3854% | 6,768 |
| Equity capital to assets | 11.0843% | 3,173 |
| Core capital (leverage) ratio | 10.4742% | 2,947 |
| Tier 1 risk-based capital ratio | 14.6098% | 4,112 |
| Total risk-based capital ratio | 15.8647% | 4,078 |
| Memoranda: | ||
| Average total assets | $678,215,500 | 975 |
| Average earning assets | $645,359,500 | 938 |
| Average equity | $74,702,000 | 952 |
| Average total loans | $457,063,500 | 909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 3,455 |
| Cost of funding earning assets | 1.1107% | 1,170 |
| Net interest margin | 3.4644% | 4,823 |
| Noninterest income to average assets | 0.4945% | 3,952 |
| Noninterest expense to average assets | 2.0019% | 6,428 |
| Loan and lease loss provision to assets | 0.1603% | 3,514 |
| Net operating income to assets | 1.5891% | 854 |
| Return on assets (ROA) | 1.5917% | 950 |
| Pretax return on assets | 1.6324% | 1,448 |
| Return on Equity (ROE) | 14.4827% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,567 |
| Net charge-offs to loans | 0.0621% | 4,553 |
| Credit loss provision to net charge-offs | 385.7143% | 770 |
| Earnings coverage of net charge-offs (x) | 43.0786% | 828 |
| Efficiency ratio | 52.7943% | 6,440 |
| Assets per employee ($millions) | 5.7453% | 1,412 |
| Cash dividends to net income (ytd only)* | 68.5064% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,389 |
| Loan loss allowance to noncurrent loans | 233.8988% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 5,498 |
| Noncurrent loans to loans | 0.7097% | 5,089 |
| Net loans and leases to total assets | 67.4713% | 2,378 |
| Net loans and leases to deposits | 89.2140% | 1,230 |
| Net loans and leases to core deposits | 122.3894% | 273 |
| Total domestic deposits to total assets | 75.6286% | 6,513 |
| Equity capital to assets | 11.1279% | 2,988 |
| Core capital (leverage) ratio | 10.4538% | 2,853 |
| Tier 1 risk-based capital ratio | 14.7417% | 3,938 |
| Total risk-based capital ratio | 15.9962% | 3,895 |
| Memoranda: | ||
| Average total assets | $673,852,670 | 979 |
| Average earning assets | $641,372,670 | 946 |
| Average equity | $74,060,670 | 950 |
| Average total loans | $450,870,330 | 921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 3,728 |
| Cost of funding earning assets | 1.1305% | 1,249 |
| Net interest margin | 3.4178% | 5,039 |
| Noninterest income to average assets | 0.4954% | 3,939 |
| Noninterest expense to average assets | 2.0012% | 6,459 |
| Loan and lease loss provision to assets | 0.1608% | 3,373 |
| Net operating income to assets | 1.5463% | 946 |
| Return on assets (ROA) | 1.5463% | 1,060 |
| Pretax return on assets | 1.5862% | 1,614 |
| Return on Equity (ROE) | 14.1583% | 1,157 |
| Retained earnings to average equity (ytd only) | 4.1434% | 4,107 |
| Net charge-offs to loans | 0.0343% | 4,214 |
| Credit loss provision to net charge-offs | 710.5263% | 495 |
| Earnings coverage of net charge-offs (x) | 77.2105% | 437 |
| Efficiency ratio | 53.3916% | 6,401 |
| Assets per employee ($millions) | 5.6624% | 1,552 |
| Cash dividends to net income (ytd only)* | 70.7355% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,355 |
| Loan loss allowance to noncurrent loans | 201.5746% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 5,434 |
| Noncurrent loans to loans | 0.8429% | 4,991 |
| Net loans and leases to total assets | 65.3973% | 2,579 |
| Net loans and leases to deposits | 83.8740% | 1,678 |
| Net loans and leases to core deposits | 115.1422% | 400 |
| Total domestic deposits to total assets | 77.9709% | 6,263 |
| Equity capital to assets | 11.0282% | 2,872 |
| Core capital (leverage) ratio | 10.3568% | 2,922 |
| Tier 1 risk-based capital ratio | 15.0564% | 3,722 |
| Total risk-based capital ratio | 16.3111% | 3,678 |
| Memoranda: | ||
| Average total assets | $671,807,500 | 981 |
| Average earning assets | $639,355,500 | 944 |
| Average equity | $73,370,500 | 952 |
| Average total loans | $443,736,500 | 935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 3,969 |
| Cost of funding earning assets | 1.2657% | 1,653 |
| Net interest margin | 3.4974% | 5,156 |
| Noninterest income to average assets | 0.5545% | 3,477 |
| Noninterest expense to average assets | 2.0593% | 6,566 |
| Loan and lease loss provision to assets | 0.1901% | 4,281 |
| Net operating income to assets | 1.5890% | 681 |
| Return on assets (ROA) | 1.5890% | 744 |
| Pretax return on assets | 1.6241% | 1,152 |
| Return on Equity (ROE) | 17.3660% | 438 |
| Retained earnings to average equity (ytd only) | 10.4770% | 477 |
| Net charge-offs to loans | 0.0448% | 5,861 |
| Credit loss provision to net charge-offs | 625.6545% | 357 |
| Earnings coverage of net charge-offs (x) | 59.7173% | 480 |
| Efficiency ratio | 53.1639% | 6,592 |
| Assets per employee ($millions) | 5.9775% | 1,242 |
| Cash dividends to net income (ytd only)* | 39.6697% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 3,369 |
| Loan loss allowance to noncurrent loans | 222.8615% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 5,696 |
| Noncurrent loans to loans | 0.7416% | 5,218 |
| Net loans and leases to total assets | 64.4958% | 3,082 |
| Net loans and leases to deposits | 83.5566% | 1,976 |
| Net loans and leases to core deposits | 119.2235% | 371 |
| Total domestic deposits to total assets | 77.1882% | 6,315 |
| Equity capital to assets | 10.8157% | 3,177 |
| Core capital (leverage) ratio | 10.4621% | 2,770 |
| Tier 1 risk-based capital ratio | 14.9502% | 3,667 |
| Total risk-based capital ratio | 16.2044% | 3,623 |
| Memoranda: | ||
| Average total assets | $628,711,200 | 1,032 |
| Average earning assets | $596,647,800 | 984 |
| Average equity | $57,526,200 | 1,182 |
| Average total loans | $426,450,600 | 981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 3,977 |
| Cost of funding earning assets | 1.2996% | 1,705 |
| Net interest margin | 3.5119% | 5,138 |
| Noninterest income to average assets | 0.5726% | 3,364 |
| Noninterest expense to average assets | 2.0699% | 6,550 |
| Loan and lease loss provision to assets | 0.1988% | 4,037 |
| Net operating income to assets | 1.5975% | 782 |
| Return on assets (ROA) | 1.5975% | 852 |
| Pretax return on assets | 1.6347% | 1,293 |
| Return on Equity (ROE) | 18.3750% | 425 |
| Retained earnings to average equity (ytd only) | 13.0685% | 375 |
| Net charge-offs to loans | 0.0464% | 5,524 |
| Credit loss provision to net charge-offs | 625.8503% | 431 |
| Earnings coverage of net charge-offs (x) | 57.7196% | 573 |
| Efficiency ratio | 53.0281% | 6,591 |
| Assets per employee ($millions) | 5.7878% | 1,362 |
| Cash dividends to net income (ytd only)* | 28.8787% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,439 |
| Loan loss allowance to noncurrent loans | 207.6743% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 5,739 |
| Noncurrent loans to loans | 0.7957% | 5,282 |
| Net loans and leases to total assets | 65.0917% | 3,086 |
| Net loans and leases to deposits | 82.6089% | 2,237 |
| Net loans and leases to core deposits | 121.6776% | 346 |
| Total domestic deposits to total assets | 78.7949% | 6,027 |
| Equity capital to assets | 11.0494% | 3,089 |
| Core capital (leverage) ratio | 10.9257% | 2,454 |
| Tier 1 risk-based capital ratio | 15.1382% | 3,587 |
| Total risk-based capital ratio | 16.3922% | 3,552 |
| Memoranda: | ||
| Average total assets | $617,025,750 | 1,065 |
| Average earning assets | $585,190,000 | 1,012 |
| Average equity | $53,644,000 | 1,269 |
| Average total loans | $422,323,250 | 996 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 3,942 |
| Cost of funding earning assets | 1.3293% | 1,764 |
| Net interest margin | 3.5028% | 5,155 |
| Noninterest income to average assets | 0.5687% | 3,341 |
| Noninterest expense to average assets | 2.0800% | 6,635 |
| Loan and lease loss provision to assets | 0.1995% | 3,933 |
| Net operating income to assets | 1.5730% | 769 |
| Return on assets (ROA) | 1.5730% | 814 |
| Pretax return on assets | 1.6096% | 1,245 |
| Return on Equity (ROE) | 20.0252% | 308 |
| Retained earnings to average equity (ytd only) | 14.2371% | 294 |
| Net charge-offs to loans | 0.0229% | 5,517 |
| Credit loss provision to net charge-offs | 1,260.4167% | 272 |
| Earnings coverage of net charge-offs (x) | 114.3125% | 311 |
| Efficiency ratio | 53.4842% | 6,669 |
| Assets per employee ($millions) | 5.2379% | 1,835 |
| Cash dividends to net income (ytd only)* | 28.9038% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 3,638 |
| Loan loss allowance to noncurrent loans | 203.4330% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 5,749 |
| Noncurrent loans to loans | 0.7941% | 5,325 |
| Net loans and leases to total assets | 68.8974% | 2,434 |
| Net loans and leases to deposits | 84.9289% | 1,955 |
| Net loans and leases to core deposits | 133.2749% | 234 |
| Total domestic deposits to total assets | 81.1235% | 5,485 |
| Equity capital to assets | 8.3167% | 6,406 |
| Core capital (leverage) ratio | 8.0102% | 6,287 |
| Tier 1 risk-based capital ratio | 10.9474% | 6,575 |
| Total risk-based capital ratio | 12.2012% | 6,538 |
| Memoranda: | ||
| Average total assets | $606,623,670 | 1,094 |
| Average earning assets | $575,018,330 | 1,044 |
| Average equity | $47,650,000 | 1,417 |
| Average total loans | $420,086,000 | 1,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 4,253 |
| Cost of funding earning assets | 1.3516% | 1,878 |
| Net interest margin | 3.4087% | 5,395 |
| Noninterest income to average assets | 0.6071% | 3,114 |
| Noninterest expense to average assets | 2.0101% | 6,817 |
| Loan and lease loss provision to assets | 0.1980% | 3,651 |
| Net operating income to assets | 1.5897% | 711 |
| Return on assets (ROA) | 1.5897% | 756 |
| Pretax return on assets | 1.6260% | 1,132 |
| Return on Equity (ROE) | 20.8531% | 300 |
| Retained earnings to average equity (ytd only) | 14.8889% | 401 |
| Net charge-offs to loans | 0.0240% | 4,751 |
| Credit loss provision to net charge-offs | 1,200.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 110.5600% | 297 |
| Efficiency ratio | 52.4269% | 6,827 |
| Assets per employee ($millions) | 5.2893% | 1,782 |
| Cash dividends to net income (ytd only)* | 28.6011% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,894 |
| Loan loss allowance to noncurrent loans | 176.9664% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 5,666 |
| Noncurrent loans to loans | 0.8841% | 5,278 |
| Net loans and leases to total assets | 68.7827% | 2,379 |
| Net loans and leases to deposits | 84.2880% | 1,984 |
| Net loans and leases to core deposits | 140.4658% | 190 |
| Total domestic deposits to total assets | 81.6043% | 5,459 |
| Equity capital to assets | 7.8500% | 6,633 |
| Core capital (leverage) ratio | 7.7895% | 6,473 |
| Tier 1 risk-based capital ratio | 10.6333% | 6,730 |
| Total risk-based capital ratio | 11.8863% | 6,715 |
| Memoranda: | ||
| Average total assets | $606,136,500 | 1,103 |
| Average earning assets | $573,819,000 | 1,058 |
| Average equity | $46,209,000 | 1,454 |
| Average total loans | $417,382,500 | 1,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 4,813 |
| Cost of funding earning assets | 1.4670% | 2,837 |
| Net interest margin | 3.4772% | 5,335 |
| Noninterest income to average assets | 0.7272% | 2,666 |
| Noninterest expense to average assets | 2.2102% | 6,589 |
| Loan and lease loss provision to assets | 0.2358% | 4,924 |
| Net operating income to assets | 1.5450% | 699 |
| Return on assets (ROA) | 1.5526% | 744 |
| Pretax return on assets | 1.5886% | 1,151 |
| Return on Equity (ROE) | 19.8635% | 261 |
| Retained earnings to average equity (ytd only) | 14.1200% | 159 |
| Net charge-offs to loans | 0.0400% | 6,405 |
| Credit loss provision to net charge-offs | 848.3871% | 255 |
| Earnings coverage of net charge-offs (x) | 65.3742% | 366 |
| Efficiency ratio | 54.8862% | 6,725 |
| Assets per employee ($millions) | 5.3920% | 1,680 |
| Cash dividends to net income (ytd only)* | 28.9145% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,871 |
| Loan loss allowance to noncurrent loans | 174.0700% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 5,684 |
| Noncurrent loans to loans | 0.8778% | 5,311 |
| Net loans and leases to total assets | 66.8168% | 3,270 |
| Net loans and leases to deposits | 85.4866% | 2,185 |
| Net loans and leases to core deposits | 135.2717% | 267 |
| Total domestic deposits to total assets | 78.1606% | 6,280 |
| Equity capital to assets | 7.3994% | 6,939 |
| Core capital (leverage) ratio | 7.4607% | 6,734 |
| Tier 1 risk-based capital ratio | 10.3085% | 6,821 |
| Total risk-based capital ratio | 11.5610% | 6,794 |
| Memoranda: | ||
| Average total assets | $557,777,200 | 1,204 |
| Average earning assets | $529,304,200 | 1,158 |
| Average equity | $43,597,600 | 1,524 |
| Average total loans | $387,257,600 | 1,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 5,019 |
| Cost of funding earning assets | 1.4642% | 3,192 |
| Net interest margin | 3.4902% | 5,336 |
| Noninterest income to average assets | 0.7669% | 2,407 |
| Noninterest expense to average assets | 2.2404% | 6,493 |
| Loan and lease loss provision to assets | 0.2398% | 4,684 |
| Net operating income to assets | 1.5716% | 783 |
| Return on assets (ROA) | 1.5819% | 843 |
| Pretax return on assets | 1.6149% | 1,312 |
| Return on Equity (ROE) | 19.9412% | 309 |
| Retained earnings to average equity (ytd only) | 14.3182% | 257 |
| Net charge-offs to loans | 0.0466% | 6,061 |
| Credit loss provision to net charge-offs | 736.8421% | 405 |
| Earnings coverage of net charge-offs (x) | 56.6688% | 513 |
| Efficiency ratio | 54.8493% | 6,705 |
| Assets per employee ($millions) | 5.3541% | 1,763 |
| Cash dividends to net income (ytd only)* | 28.1981% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 4,023 |
| Loan loss allowance to noncurrent loans | 174.5349% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,844 |
| Noncurrent loans to loans | 0.8523% | 5,517 |
| Net loans and leases to total assets | 66.9069% | 3,482 |
| Net loans and leases to deposits | 85.1422% | 2,494 |
| Net loans and leases to core deposits | 137.8251% | 283 |
| Total domestic deposits to total assets | 78.5825% | 6,122 |
| Equity capital to assets | 7.8547% | 6,899 |
| Core capital (leverage) ratio | 7.5721% | 6,793 |
| Tier 1 risk-based capital ratio | 10.2623% | 6,922 |
| Total risk-based capital ratio | 11.5143% | 6,911 |
| Memoranda: | ||
| Average total assets | $544,898,000 | 1,243 |
| Average earning assets | $517,964,000 | 1,195 |
| Average equity | $43,226,000 | 1,542 |
| Average total loans | $380,715,000 | 1,201 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 5,074 |
| Cost of funding earning assets | 1.4514% | 3,547 |
| Net interest margin | 3.5201% | 5,162 |
| Noninterest income to average assets | 0.8478% | 1,893 |
| Noninterest expense to average assets | 2.2618% | 6,470 |
| Loan and lease loss provision to assets | 0.2366% | 4,546 |
| Net operating income to assets | 1.6632% | 630 |
| Return on assets (ROA) | 1.6699% | 665 |
| Pretax return on assets | 1.7013% | 1,055 |
| Return on Equity (ROE) | 20.9724% | 257 |
| Retained earnings to average equity (ytd only) | 15.6865% | 206 |
| Net charge-offs to loans | 0.0123% | 6,172 |
| Credit loss provision to net charge-offs | 2,717.3913% | 154 |
| Earnings coverage of net charge-offs (x) | 221.8261% | 153 |
| Efficiency ratio | 53.9448% | 6,886 |
| Assets per employee ($millions) | 5.0434% | 2,132 |
| Cash dividends to net income (ytd only)* | 25.2040% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 4,049 |
| Loan loss allowance to noncurrent loans | 169.0343% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,609 |
| Noncurrent loans to loans | 0.8716% | 5,525 |
| Net loans and leases to total assets | 68.1851% | 3,319 |
| Net loans and leases to deposits | 91.0723% | 1,684 |
| Net loans and leases to core deposits | 134.5771% | 351 |
| Total domestic deposits to total assets | 74.8692% | 6,869 |
| Equity capital to assets | 7.7973% | 6,929 |
| Core capital (leverage) ratio | 7.7681% | 6,534 |
| Tier 1 risk-based capital ratio | 10.3682% | 6,785 |
| Total risk-based capital ratio | 11.6204% | 6,773 |
| Memoranda: | ||
| Average total assets | $528,429,000 | 1,288 |
| Average earning assets | $502,140,330 | 1,248 |
| Average equity | $42,074,330 | 1,568 |
| Average total loans | $373,075,000 | 1,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 5,009 |
| Cost of funding earning assets | 1.4790% | 3,696 |
| Net interest margin | 3.5247% | 5,065 |
| Noninterest income to average assets | 1.0278% | 1,216 |
| Noninterest expense to average assets | 2.3002% | 6,374 |
| Loan and lease loss provision to assets | 0.2156% | 4,350 |
| Net operating income to assets | 1.8253% | 470 |
| Return on assets (ROA) | 1.8322% | 509 |
| Pretax return on assets | 1.8635% | 788 |
| Return on Equity (ROE) | 22.7503% | 239 |
| Retained earnings to average equity (ytd only) | 17.5519% | 261 |
| Net charge-offs to loans | 0.0044% | 5,559 |
| Credit loss provision to net charge-offs | 6,875.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 660.7500% | 34 |
| Efficiency ratio | 52.6089% | 7,090 |
| Assets per employee ($millions) | 4.8163% | 2,487 |
| Cash dividends to net income (ytd only)* | 22.8498% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,013 |
| Loan loss allowance to noncurrent loans | 142.0199% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 5,448 |
| Noncurrent loans to loans | 1.0420% | 5,256 |
| Net loans and leases to total assets | 68.8383% | 3,193 |
| Net loans and leases to deposits | 92.1322% | 1,594 |
| Net loans and leases to core deposits | 130.3233% | 488 |
| Total domestic deposits to total assets | 74.7169% | 6,946 |
| Equity capital to assets | 8.0044% | 6,647 |
| Core capital (leverage) ratio | 8.0792% | 6,121 |
| Tier 1 risk-based capital ratio | 10.7631% | 6,381 |
| Total risk-based capital ratio | 12.0154% | 6,362 |
| Memoranda: | ||
| Average total assets | $510,211,500 | 1,358 |
| Average earning assets | $484,127,000 | 1,318 |
| Average equity | $41,089,500 | 1,624 |
| Average total loans | $364,156,500 | 1,296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 4,942 |
| Cost of funding earning assets | 1.6939% | 4,547 |
| Net interest margin | 3.6560% | 4,328 |
| Noninterest income to average assets | 0.7555% | 2,640 |
| Noninterest expense to average assets | 2.5065% | 6,101 |
| Loan and lease loss provision to assets | 0.2020% | 5,727 |
| Net operating income to assets | 1.4799% | 700 |
| Return on assets (ROA) | 1.4843% | 758 |
| Pretax return on assets | 1.5122% | 1,159 |
| Return on Equity (ROE) | 17.8903% | 375 |
| Retained earnings to average equity (ytd only) | 12.6846% | 170 |
| Net charge-offs to loans | 0.0452% | 6,652 |
| Credit loss provision to net charge-offs | 580.1282% | 521 |
| Earnings coverage of net charge-offs (x) | 49.1026% | 524 |
| Efficiency ratio | 59.4494% | 6,564 |
| Assets per employee ($millions) | 4.5041% | 2,917 |
| Cash dividends to net income (ytd only)* | 29.0977% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 4,092 |
| Loan loss allowance to noncurrent loans | 151.2317% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 5,410 |
| Noncurrent loans to loans | 0.9433% | 5,429 |
| Net loans and leases to total assets | 71.9236% | 2,766 |
| Net loans and leases to deposits | 95.4532% | 1,400 |
| Net loans and leases to core deposits | 116.7384% | 2,243 |
| Total domestic deposits to total assets | 75.3496% | 6,801 |
| Equity capital to assets | 8.1054% | 6,454 |
| Core capital (leverage) ratio | 8.2436% | 5,739 |
| Tier 1 risk-based capital ratio | 10.2682% | 6,619 |
| Total risk-based capital ratio | 11.5197% | 6,590 |
| Memoranda: | ||
| Average total assets | $448,035,200 | 1,546 |
| Average earning assets | $424,098,200 | 1,487 |
| Average equity | $37,171,000 | 1,808 |
| Average total loans | $344,921,800 | 1,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 4,900 |
| Cost of funding earning assets | 1.7400% | 4,695 |
| Net interest margin | 3.6693% | 4,209 |
| Noninterest income to average assets | 0.7764% | 2,569 |
| Noninterest expense to average assets | 2.5429% | 5,928 |
| Loan and lease loss provision to assets | 0.1941% | 5,443 |
| Net operating income to assets | 1.4842% | 844 |
| Return on assets (ROA) | 1.4902% | 887 |
| Pretax return on assets | 1.5161% | 1,364 |
| Return on Equity (ROE) | 17.8448% | 474 |
| Retained earnings to average equity (ytd only) | 12.7165% | 281 |
| Net charge-offs to loans | 0.0356% | 6,403 |
| Credit loss provision to net charge-offs | 697.8022% | 535 |
| Earnings coverage of net charge-offs (x) | 61.2639% | 537 |
| Efficiency ratio | 59.8748% | 6,430 |
| Assets per employee ($millions) | 4.1932% | 3,388 |
| Cash dividends to net income (ytd only)* | 28.7384% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,997 |
| Loan loss allowance to noncurrent loans | 1,456.4706% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 7,097 |
| Noncurrent loans to loans | 0.0955% | 7,245 |
| Net loans and leases to total assets | 76.7864% | 1,825 |
| Net loans and leases to deposits | 100.8720% | 1,030 |
| Net loans and leases to core deposits | 123.5090% | 1,951 |
| Total domestic deposits to total assets | 76.1226% | 6,561 |
| Equity capital to assets | 8.6392% | 6,054 |
| Core capital (leverage) ratio | 8.4521% | 5,574 |
| Tier 1 risk-based capital ratio | 10.3764% | 6,594 |
| Total risk-based capital ratio | 11.6268% | 6,533 |
| Memoranda: | ||
| Average total assets | $436,182,000 | 1,598 |
| Average earning assets | $412,568,500 | 1,549 |
| Average equity | $36,424,250 | 1,868 |
| Average total loans | $340,777,000 | 1,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 5,034 |
| Cost of funding earning assets | 1.7768% | 4,875 |
| Net interest margin | 3.6444% | 4,198 |
| Noninterest income to average assets | 0.7917% | 2,455 |
| Noninterest expense to average assets | 2.5600% | 5,899 |
| Loan and lease loss provision to assets | 0.1747% | 5,302 |
| Net operating income to assets | 1.4754% | 885 |
| Return on assets (ROA) | 1.4841% | 924 |
| Pretax return on assets | 1.5102% | 1,419 |
| Return on Equity (ROE) | 17.9925% | 497 |
| Retained earnings to average equity (ytd only) | 12.9648% | 335 |
| Net charge-offs to loans | 0.0411% | 5,890 |
| Credit loss provision to net charge-offs | 543.4783% | 856 |
| Earnings coverage of net charge-offs (x) | 52.1304% | 668 |
| Efficiency ratio | 60.4334% | 6,473 |
| Assets per employee ($millions) | 4.0526% | 3,588 |
| Cash dividends to net income (ytd only)* | 27.9435% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 3,866 |
| Loan loss allowance to noncurrent loans | 1,419.8795% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 7,105 |
| Noncurrent loans to loans | 0.0968% | 7,286 |
| Net loans and leases to total assets | 77.3002% | 1,894 |
| Net loans and leases to deposits | 100.7093% | 1,212 |
| Net loans and leases to core deposits | 123.9317% | 2,032 |
| Total domestic deposits to total assets | 76.7557% | 6,389 |
| Equity capital to assets | 8.5120% | 6,028 |
| Core capital (leverage) ratio | 8.4029% | 5,609 |
| Tier 1 risk-based capital ratio | 10.5335% | 6,346 |
| Total risk-based capital ratio | 11.7850% | 6,298 |
| Memoranda: | ||
| Average total assets | $429,224,000 | 1,649 |
| Average earning assets | $405,663,670 | 1,600 |
| Average equity | $35,403,670 | 1,919 |
| Average total loans | $335,733,000 | 1,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4028% | 5,415 |
| Cost of funding earning assets | 1.8245% | 5,001 |
| Net interest margin | 3.5783% | 4,415 |
| Noninterest income to average assets | 0.8254% | 2,197 |
| Noninterest expense to average assets | 2.4047% | 6,179 |
| Loan and lease loss provision to assets | 0.1600% | 4,888 |
| Net operating income to assets | 1.6102% | 772 |
| Return on assets (ROA) | 1.6038% | 856 |
| Pretax return on assets | 1.6320% | 1,328 |
| Return on Equity (ROE) | 19.7691% | 441 |
| Retained earnings to average equity (ytd only) | 14.6064% | 458 |
| Net charge-offs to loans | 0.0205% | 5,278 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 112.4118% | 387 |
| Efficiency ratio | 57.2100% | 6,802 |
| Assets per employee ($millions) | 4.0513% | 3,554 |
| Cash dividends to net income (ytd only)* | 26.1150% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,615 |
| Loan loss allowance to noncurrent loans | 1,623.1317% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 7,079 |
| Noncurrent loans to loans | 0.0850% | 7,284 |
| Net loans and leases to total assets | 75.8969% | 2,291 |
| Net loans and leases to deposits | 97.1895% | 1,776 |
| Net loans and leases to core deposits | 116.7900% | 2,705 |
| Total domestic deposits to total assets | 78.0916% | 5,983 |
| Equity capital to assets | 8.2304% | 6,496 |
| Core capital (leverage) ratio | 8.1617% | 6,172 |
| Tier 1 risk-based capital ratio | 10.2591% | 6,636 |
| Total risk-based capital ratio | 11.5104% | 6,558 |
| Memoranda: | ||
| Average total assets | $424,997,500 | 1,680 |
| Average earning assets | $401,198,500 | 1,628 |
| Average equity | $34,478,000 | 1,977 |
| Average total loans | $332,080,000 | 1,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3389% | 3,737 |
| Cost of funding earning assets | 2.4854% | 4,284 |
| Net interest margin | 3.8536% | 3,779 |
| Noninterest income to average assets | 0.7333% | 2,886 |
| Noninterest expense to average assets | 2.7044% | 5,248 |
| Loan and lease loss provision to assets | 0.1285% | 5,722 |
| Net operating income to assets | 1.4845% | 1,058 |
| Return on assets (ROA) | 1.4845% | 1,014 |
| Pretax return on assets | 1.5065% | 1,664 |
| Return on Equity (ROE) | 18.5429% | 487 |
| Retained earnings to average equity (ytd only) | 17.3882% | 55 |
| Net charge-offs to loans | 0.0375% | 6,277 |
| Credit loss provision to net charge-offs | 434.2105% | 1,006 |
| Earnings coverage of net charge-offs (x) | 55.2368% | 717 |
| Efficiency ratio | 62.3205% | 5,894 |
| Assets per employee ($millions) | 3.9305% | 3,657 |
| Cash dividends to net income (ytd only)* | 6.2270% | 4,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 3,650 |
| Loan loss allowance to noncurrent loans | 872.8713% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,737 |
| Noncurrent loans to loans | 0.1513% | 6,960 |
| Net loans and leases to total assets | 78.2916% | 2,051 |
| Net loans and leases to deposits | 99.6339% | 1,881 |
| Net loans and leases to core deposits | 122.2371% | 2,486 |
| Total domestic deposits to total assets | 78.5793% | 5,521 |
| Equity capital to assets | 7.9922% | 6,853 |
| Core capital (leverage) ratio | 8.1450% | 6,261 |
| Tier 1 risk-based capital ratio | 9.8143% | 6,943 |
| Total risk-based capital ratio | 11.0649% | 6,828 |
| Memoranda: | ||
| Average total assets | $385,119,200 | 1,757 |
| Average earning assets | $360,391,400 | 1,725 |
| Average equity | $30,831,200 | 2,189 |
| Average total loans | $304,144,600 | 1,591 |