Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 2,079 |
| Cost of funding earning assets | 1.2567% | 2,639 |
| Net interest margin | 3.7368% | 1,682 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.7381% | 4,088 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5710% | 906 |
| Return on assets (ROA) | 1.5372% | 926 |
| Pretax return on assets | 2.1501% | 528 |
| Return on Equity (ROE) | 16.8600% | 971 |
| Retained earnings to average equity (ytd only) | 5.0188% | 2,602 |
| Net charge-offs to loans | -0.0217% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.5516% | 4,262 |
| Assets per employee ($millions) | 10.2468% | 652 |
| Cash dividends to net income (ytd only)* | 70.2339% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,416 |
| Loan loss allowance to noncurrent loans | 768.0000% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 2,209 |
| Noncurrent loans to loans | 0.1811% | 2,608 |
| Net loans and leases to total assets | 76.1000% | 1,104 |
| Net loans and leases to deposits | 89.7302% | 1,294 |
| Net loans and leases to core deposits | 99.2915% | 1,467 |
| Total domestic deposits to total assets | 84.8100% | 2,369 |
| Equity capital to assets | 9.3559% | 2,449 |
| Core capital (leverage) ratio | 10.4026% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0771% | 2,216 |
| Memoranda: | ||
| Average total assets | $1,034,588,400 | 957 |
| Average earning assets | $984,769,200 | 923 |
| Average equity | $94,326,000 | 987 |
| Average total loans | $772,540,600 | 891 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 2,143 |
| Cost of funding earning assets | 1.1050% | 2,725 |
| Net interest margin | 3.7574% | 1,675 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.7115% | 4,105 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.6159% | 915 |
| Return on assets (ROA) | 1.6159% | 903 |
| Pretax return on assets | 2.2621% | 511 |
| Return on Equity (ROE) | 17.8400% | 968 |
| Retained earnings to average equity (ytd only) | 6.1587% | 2,582 |
| Net charge-offs to loans | -0.0238% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.5134% | 4,297 |
| Assets per employee ($millions) | 10.5695% | 564 |
| Cash dividends to net income (ytd only)* | 65.4857% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,436 |
| Loan loss allowance to noncurrent loans | 601.7925% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,033 |
| Noncurrent loans to loans | 0.2330% | 2,418 |
| Net loans and leases to total assets | 75.9700% | 1,127 |
| Net loans and leases to deposits | 90.3032% | 1,213 |
| Net loans and leases to core deposits | 97.0617% | 1,502 |
| Total domestic deposits to total assets | 84.1300% | 2,737 |
| Equity capital to assets | 9.2069% | 2,286 |
| Core capital (leverage) ratio | 10.5323% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4202% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,029,379,250 | 959 |
| Average earning assets | $980,398,250 | 927 |
| Average equity | $93,221,250 | 996 |
| Average total loans | $762,040,250 | 899 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,170 |
| Cost of funding earning assets | 0.9163% | 2,875 |
| Net interest margin | 3.8021% | 1,619 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.7447% | 4,090 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.6264% | 904 |
| Return on assets (ROA) | 1.6264% | 907 |
| Pretax return on assets | 2.2793% | 483 |
| Return on Equity (ROE) | 18.0600% | 948 |
| Retained earnings to average equity (ytd only) | 0.4567% | 3,993 |
| Net charge-offs to loans | -0.0364% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.5315% | 4,317 |
| Assets per employee ($millions) | 10.5392% | 568 |
| Cash dividends to net income (ytd only)* | 97.4708% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,396 |
| Loan loss allowance to noncurrent loans | 994.6140% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,333 |
| Noncurrent loans to loans | 0.1445% | 2,742 |
| Net loans and leases to total assets | 74.3100% | 1,248 |
| Net loans and leases to deposits | 86.9059% | 1,432 |
| Net loans and leases to core deposits | 94.0390% | 1,564 |
| Total domestic deposits to total assets | 85.5100% | 2,389 |
| Equity capital to assets | 8.8871% | 2,597 |
| Core capital (leverage) ratio | 10.2017% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0941% | 2,262 |
| Memoranda: | ||
| Average total assets | $1,030,758,667 | 946 |
| Average earning assets | $982,256,667 | 910 |
| Average equity | $92,830,667 | 996 |
| Average total loans | $752,721,667 | 894 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 2,353 |
| Cost of funding earning assets | 0.6909% | 3,077 |
| Net interest margin | 3.7941% | 1,701 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.7198% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6781% | 855 |
| Return on assets (ROA) | 1.6781% | 854 |
| Pretax return on assets | 2.3428% | 448 |
| Return on Equity (ROE) | 18.5100% | 962 |
| Retained earnings to average equity (ytd only) | 18.5121% | 476 |
| Net charge-offs to loans | 0.0005% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6,062.0000% | 10 |
| Efficiency ratio | 42.3326% | 4,377 |
| Assets per employee ($millions) | 10.6421% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,529 |
| Loan loss allowance to noncurrent loans | 802.0548% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 2,186 |
| Noncurrent loans to loans | 0.1773% | 2,593 |
| Net loans and leases to total assets | 70.7500% | 1,549 |
| Net loans and leases to deposits | 82.4021% | 1,622 |
| Net loans and leases to core deposits | 86.4455% | 1,837 |
| Total domestic deposits to total assets | 85.8600% | 2,633 |
| Equity capital to assets | 9.3618% | 2,249 |
| Core capital (leverage) ratio | 10.6284% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0586% | 1,956 |
| Memoranda: | ||
| Average total assets | $1,034,985,000 | 957 |
| Average earning assets | $986,586,000 | 925 |
| Average equity | $93,819,500 | 997 |
| Average total loans | $743,698,000 | 919 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 1,375 |
| Cost of funding earning assets | 0.2737% | 3,114 |
| Net interest margin | 3.8654% | 1,041 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.7361% | 4,111 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.5696% | 741 |
| Return on assets (ROA) | 1.5696% | 707 |
| Pretax return on assets | 2.1912% | 326 |
| Return on Equity (ROE) | 18.2700% | 662 |
| Retained earnings to average equity (ytd only) | 9.4013% | 1,356 |
| Net charge-offs to loans | 0.0174% | 1,763 |
| Credit loss provision to net charge-offs | 1,029.2308% | 418 |
| Earnings coverage of net charge-offs (x) | 185.7923% | 686 |
| Efficiency ratio | 42.8061% | 4,468 |
| Assets per employee ($millions) | 10.6978% | 542 |
| Cash dividends to net income (ytd only)* | 48.5284% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 1,757 |
| Loan loss allowance to noncurrent loans | 1,093.3921% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,475 |
| Noncurrent loans to loans | 0.1216% | 2,913 |
| Net loans and leases to total assets | 70.9800% | 1,530 |
| Net loans and leases to deposits | 79.8111% | 1,786 |
| Net loans and leases to core deposits | 81.2290% | 2,054 |
| Total domestic deposits to total assets | 88.9400% | 1,737 |
| Equity capital to assets | 8.7694% | 2,515 |
| Core capital (leverage) ratio | 9.8802% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2206% | 2,279 |
| Memoranda: | ||
| Average total assets | $1,041,225,600 | 947 |
| Average earning assets | $993,653,800 | 913 |
| Average equity | $89,476,600 | 1,040 |
| Average total loans | $748,638,600 | 859 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 1,246 |
| Cost of funding earning assets | 0.1944% | 3,340 |
| Net interest margin | 3.8170% | 927 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.7331% | 4,106 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.5517% | 739 |
| Return on assets (ROA) | 1.5517% | 722 |
| Pretax return on assets | 2.1659% | 340 |
| Return on Equity (ROE) | 18.1500% | 625 |
| Retained earnings to average equity (ytd only) | 6.2807% | 2,640 |
| Net charge-offs to loans | 0.0235% | 1,358 |
| Credit loss provision to net charge-offs | 1,013.6364% | 401 |
| Earnings coverage of net charge-offs (x) | 138.3864% | 782 |
| Efficiency ratio | 42.5801% | 4,509 |
| Assets per employee ($millions) | 10.9887% | 496 |
| Cash dividends to net income (ytd only)* | 65.3941% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 1,973 |
| Loan loss allowance to noncurrent loans | 1,350.4762% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 2,655 |
| Noncurrent loans to loans | 0.0972% | 3,182 |
| Net loans and leases to total assets | 72.2200% | 1,269 |
| Net loans and leases to deposits | 80.5815% | 1,550 |
| Net loans and leases to core deposits | 81.8211% | 1,776 |
| Total domestic deposits to total assets | 89.6200% | 1,821 |
| Equity capital to assets | 8.2482% | 2,716 |
| Core capital (leverage) ratio | 9.5528% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6495% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,042,111,500 | 952 |
| Average earning assets | $994,993,500 | 918 |
| Average equity | $89,096,250 | 1,056 |
| Average total loans | $749,179,000 | 857 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 1,437 |
| Cost of funding earning assets | 0.1727% | 3,281 |
| Net interest margin | 3.5706% | 1,130 |
| Noninterest income to average assets | 0.4434% | 2,489 |
| Noninterest expense to average assets | 1.7241% | 4,101 |
| Loan and lease loss provision to assets | 0.1692% | 541 |
| Net operating income to assets | 1.4067% | 891 |
| Return on assets (ROA) | 1.4067% | 865 |
| Pretax return on assets | 1.9614% | 414 |
| Return on Equity (ROE) | 16.2641% | 663 |
| Retained earnings to average equity (ytd only) | -1.2833% | 4,321 |
| Net charge-offs to loans | 0.0343% | 1,049 |
| Credit loss provision to net charge-offs | 690.6250% | 521 |
| Earnings coverage of net charge-offs (x) | 86.9844% | 888 |
| Efficiency ratio | 44.7280% | 4,502 |
| Assets per employee ($millions) | 10.6513% | 545 |
| Cash dividends to net income (ytd only)* | 107.8901% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,472 |
| Loan loss allowance to noncurrent loans | 204.2682% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 997 |
| Noncurrent loans to loans | 0.6066% | 1,396 |
| Net loans and leases to total assets | 73.1053% | 992 |
| Net loans and leases to deposits | 81.5919% | 1,275 |
| Net loans and leases to core deposits | 82.8649% | 1,532 |
| Total domestic deposits to total assets | 89.5988% | 1,897 |
| Equity capital to assets | 8.1685% | 2,995 |
| Core capital (leverage) ratio | 8.9255% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9593% | 2,828 |
| Memoranda: | ||
| Average total assets | $1,045,169,667 | 940 |
| Average earning assets | $998,530,333 | 917 |
| Average equity | $90,395,333 | 1,045 |
| Average total loans | $746,937,333 | 846 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 1,518 |
| Cost of funding earning assets | 0.1718% | 3,197 |
| Net interest margin | 3.4226% | 1,253 |
| Noninterest income to average assets | 0.3615% | 2,926 |
| Noninterest expense to average assets | 1.6572% | 4,199 |
| Loan and lease loss provision to assets | 0.1925% | 383 |
| Net operating income to assets | 1.2831% | 1,039 |
| Return on assets (ROA) | 1.2831% | 1,030 |
| Pretax return on assets | 1.7866% | 562 |
| Return on Equity (ROE) | 14.4418% | 748 |
| Retained earnings to average equity (ytd only) | 14.4418% | 337 |
| Net charge-offs to loans | 0.0683% | 652 |
| Credit loss provision to net charge-offs | 401.5873% | 583 |
| Earnings coverage of net charge-offs (x) | 41.2778% | 1,000 |
| Efficiency ratio | 45.5735% | 4,511 |
| Assets per employee ($millions) | 11.8884% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,782 |
| Loan loss allowance to noncurrent loans | 191.7808% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 936 |
| Noncurrent loans to loans | 0.6333% | 1,484 |
| Net loans and leases to total assets | 69.9528% | 1,029 |
| Net loans and leases to deposits | 79.3444% | 1,192 |
| Net loans and leases to core deposits | 80.5591% | 1,448 |
| Total domestic deposits to total assets | 88.1635% | 2,450 |
| Equity capital to assets | 8.6928% | 2,983 |
| Core capital (leverage) ratio | 9.5708% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7331% | 2,705 |
| Memoranda: | ||
| Average total assets | $1,051,165,000 | 939 |
| Average earning assets | $1,005,786,500 | 913 |
| Average equity | $93,395,500 | 1,048 |
| Average total loans | $738,013,500 | 846 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 2,234 |
| Cost of funding earning assets | 0.2555% | 2,862 |
| Net interest margin | 3.4007% | 2,032 |
| Noninterest income to average assets | 0.6196% | 2,076 |
| Noninterest expense to average assets | 1.6693% | 4,339 |
| Loan and lease loss provision to assets | 0.0119% | 2,846 |
| Net operating income to assets | 1.5975% | 816 |
| Return on assets (ROA) | 1.5975% | 848 |
| Pretax return on assets | 2.2280% | 391 |
| Return on Equity (ROE) | 17.2648% | 552 |
| Retained earnings to average equity (ytd only) | 6.1083% | 2,314 |
| Net charge-offs to loans | -0.0275% | 4,087 |
| Credit loss provision to net charge-offs | -62.1053% | 3,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7015% | 4,617 |
| Assets per employee ($millions) | 11.2286% | 479 |
| Cash dividends to net income (ytd only)* | 64.6198% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,890 |
| Loan loss allowance to noncurrent loans | 144.6583% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 870 |
| Noncurrent loans to loans | 0.8294% | 1,227 |
| Net loans and leases to total assets | 68.7623% | 1,179 |
| Net loans and leases to deposits | 75.9848% | 1,570 |
| Net loans and leases to core deposits | 77.3118% | 1,817 |
| Total domestic deposits to total assets | 90.4949% | 720 |
| Equity capital to assets | 9.0796% | 3,537 |
| Core capital (leverage) ratio | 9.2388% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6206% | 2,747 |
| Memoranda: | ||
| Average total assets | $992,947,000 | 966 |
| Average earning assets | $960,495,800 | 937 |
| Average equity | $91,875,000 | 1,082 |
| Average total loans | $691,361,400 | 887 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 2,369 |
| Cost of funding earning assets | 0.2727% | 2,865 |
| Net interest margin | 3.3912% | 2,180 |
| Noninterest income to average assets | 0.5677% | 2,342 |
| Noninterest expense to average assets | 1.6905% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5528% | 1,139 |
| Return on assets (ROA) | 1.5528% | 1,187 |
| Pretax return on assets | 2.1654% | 588 |
| Return on Equity (ROE) | 16.6992% | 818 |
| Retained earnings to average equity (ytd only) | 1.7043% | 4,268 |
| Net charge-offs to loans | -0.0381% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8419% | 4,596 |
| Assets per employee ($millions) | 9.7332% | 701 |
| Cash dividends to net income (ytd only)* | 89.7941% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,681 |
| Loan loss allowance to noncurrent loans | 122.1544% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 663 |
| Noncurrent loans to loans | 1.0319% | 1,103 |
| Net loans and leases to total assets | 65.9692% | 1,553 |
| Net loans and leases to deposits | 72.7522% | 1,988 |
| Net loans and leases to core deposits | 74.1522% | 2,223 |
| Total domestic deposits to total assets | 90.6765% | 480 |
| Equity capital to assets | 8.9459% | 3,878 |
| Core capital (leverage) ratio | 9.3432% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1224% | 2,669 |
| Memoranda: | ||
| Average total assets | $980,119,000 | 987 |
| Average earning assets | $950,350,000 | 957 |
| Average equity | $91,140,000 | 1,103 |
| Average total loans | $682,507,500 | 916 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 2,086 |
| Cost of funding earning assets | 0.2959% | 2,814 |
| Net interest margin | 3.4973% | 1,864 |
| Noninterest income to average assets | 0.3921% | 3,141 |
| Noninterest expense to average assets | 1.6813% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5051% | 1,271 |
| Return on assets (ROA) | 1.5051% | 1,337 |
| Pretax return on assets | 2.0992% | 684 |
| Return on Equity (ROE) | 15.9724% | 962 |
| Retained earnings to average equity (ytd only) | -6.5440% | 4,816 |
| Net charge-offs to loans | -0.0451% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4724% | 4,591 |
| Assets per employee ($millions) | 10.7051% | 497 |
| Cash dividends to net income (ytd only)* | 140.9710% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,571 |
| Loan loss allowance to noncurrent loans | 140.5876% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 720 |
| Noncurrent loans to loans | 0.9052% | 1,370 |
| Net loans and leases to total assets | 66.7483% | 1,607 |
| Net loans and leases to deposits | 73.4297% | 2,058 |
| Net loans and leases to core deposits | 75.0123% | 2,327 |
| Total domestic deposits to total assets | 90.9009% | 405 |
| Equity capital to assets | 8.8060% | 3,969 |
| Core capital (leverage) ratio | 8.9515% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1403% | 2,668 |
| Memoranda: | ||
| Average total assets | $966,163,667 | 991 |
| Average earning assets | $936,087,667 | 958 |
| Average equity | $91,044,667 | 1,099 |
| Average total loans | $682,409,333 | 921 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 1,505 |
| Cost of funding earning assets | 0.3194% | 2,800 |
| Net interest margin | 3.7326% | 1,266 |
| Noninterest income to average assets | 0.3914% | 3,135 |
| Noninterest expense to average assets | 1.6568% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6842% | 968 |
| Return on assets (ROA) | 1.6842% | 1,016 |
| Pretax return on assets | 2.3509% | 556 |
| Return on Equity (ROE) | 17.2799% | 807 |
| Retained earnings to average equity (ytd only) | 16.2015% | 495 |
| Net charge-offs to loans | -0.0320% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3406% | 4,695 |
| Assets per employee ($millions) | 10.4940% | 515 |
| Cash dividends to net income (ytd only)* | 6.2406% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,785 |
| Loan loss allowance to noncurrent loans | 137.4067% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 964 |
| Noncurrent loans to loans | 0.8926% | 1,515 |
| Net loans and leases to total assets | 69.8675% | 1,305 |
| Net loans and leases to deposits | 77.7048% | 1,748 |
| Net loans and leases to core deposits | 79.5519% | 2,046 |
| Total domestic deposits to total assets | 89.9140% | 862 |
| Equity capital to assets | 9.6877% | 3,017 |
| Core capital (leverage) ratio | 10.0456% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2958% | 2,163 |
| Memoranda: | ||
| Average total assets | $951,457,500 | 991 |
| Average earning assets | $921,833,000 | 959 |
| Average equity | $92,732,000 | 1,073 |
| Average total loans | $687,066,000 | 917 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,013 |
| Cost of funding earning assets | 0.5305% | 2,744 |
| Net interest margin | 3.7139% | 1,749 |
| Noninterest income to average assets | 0.4962% | 2,648 |
| Noninterest expense to average assets | 1.6525% | 4,664 |
| Loan and lease loss provision to assets | 0.4620% | 593 |
| Net operating income to assets | 1.4074% | 1,003 |
| Return on assets (ROA) | 1.4541% | 991 |
| Pretax return on assets | 2.0266% | 435 |
| Return on Equity (ROE) | 14.3682% | 739 |
| Retained earnings to average equity (ytd only) | 6.7866% | 1,465 |
| Net charge-offs to loans | 0.2674% | 645 |
| Credit loss provision to net charge-offs | 230.5799% | 2,016 |
| Earnings coverage of net charge-offs (x) | 12.1247% | 2,354 |
| Efficiency ratio | 40.4834% | 4,858 |
| Assets per employee ($millions) | 10.2997% | 483 |
| Cash dividends to net income (ytd only)* | 52.7665% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,792 |
| Loan loss allowance to noncurrent loans | 709.8734% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 2,369 |
| Noncurrent loans to loans | 0.1733% | 3,592 |
| Net loans and leases to total assets | 72.8594% | 1,179 |
| Net loans and leases to deposits | 81.0826% | 1,754 |
| Net loans and leases to core deposits | 83.2068% | 2,107 |
| Total domestic deposits to total assets | 89.8582% | 619 |
| Equity capital to assets | 9.8080% | 3,309 |
| Core capital (leverage) ratio | 9.4903% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1653% | 2,180 |
| Memoranda: | ||
| Average total assets | $912,309,200 | 957 |
| Average earning assets | $880,820,200 | 922 |
| Average equity | $92,328,600 | 1,035 |
| Average total loans | $683,596,400 | 884 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 1,841 |
| Cost of funding earning assets | 0.5721% | 2,788 |
| Net interest margin | 3.8315% | 1,533 |
| Noninterest income to average assets | 0.4090% | 3,035 |
| Noninterest expense to average assets | 1.6442% | 4,686 |
| Loan and lease loss provision to assets | 0.6185% | 397 |
| Net operating income to assets | 1.3179% | 1,314 |
| Return on assets (ROA) | 1.3806% | 1,242 |
| Pretax return on assets | 1.9227% | 603 |
| Return on Equity (ROE) | 13.5356% | 968 |
| Retained earnings to average equity (ytd only) | 13.5356% | 279 |
| Net charge-offs to loans | 0.4003% | 396 |
| Credit loss provision to net charge-offs | 205.4094% | 2,099 |
| Earnings coverage of net charge-offs (x) | 8.1759% | 2,521 |
| Efficiency ratio | 40.0436% | 4,894 |
| Assets per employee ($millions) | 10.8248% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,952 |
| Loan loss allowance to noncurrent loans | 447.4317% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 2,065 |
| Noncurrent loans to loans | 0.2564% | 3,384 |
| Net loans and leases to total assets | 72.4327% | 1,600 |
| Net loans and leases to deposits | 80.8392% | 2,218 |
| Net loans and leases to core deposits | 83.4344% | 2,530 |
| Total domestic deposits to total assets | 89.6010% | 550 |
| Equity capital to assets | 9.9811% | 3,242 |
| Core capital (leverage) ratio | 10.3066% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0884% | 1,803 |
| Memoranda: | ||
| Average total assets | $908,644,000 | 947 |
| Average earning assets | $876,749,000 | 912 |
| Average equity | $92,681,500 | 1,018 |
| Average total loans | $683,546,250 | 881 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 1,277 |
| Cost of funding earning assets | 0.6223% | 2,850 |
| Net interest margin | 4.1288% | 1,060 |
| Noninterest income to average assets | 0.3879% | 3,156 |
| Noninterest expense to average assets | 1.7328% | 4,652 |
| Loan and lease loss provision to assets | 0.4348% | 892 |
| Net operating income to assets | 1.5694% | 808 |
| Return on assets (ROA) | 1.6658% | 717 |
| Pretax return on assets | 2.3226% | 296 |
| Return on Equity (ROE) | 16.2041% | 533 |
| Retained earnings to average equity (ytd only) | 16.2041% | 163 |
| Net charge-offs to loans | 0.3332% | 486 |
| Credit loss provision to net charge-offs | 171.8360% | 2,028 |
| Earnings coverage of net charge-offs (x) | 10.4144% | 2,154 |
| Efficiency ratio | 39.6685% | 4,922 |
| Assets per employee ($millions) | 10.7921% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,732 |
| Loan loss allowance to noncurrent loans | 228.5380% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 1,805 |
| Noncurrent loans to loans | 0.4227% | 2,893 |
| Net loans and leases to total assets | 72.9073% | 1,568 |
| Net loans and leases to deposits | 81.3067% | 2,277 |
| Net loans and leases to core deposits | 83.9724% | 2,605 |
| Total domestic deposits to total assets | 89.6695% | 504 |
| Equity capital to assets | 9.9177% | 3,277 |
| Core capital (leverage) ratio | 10.3502% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5034% | 2,001 |
| Memoranda: | ||
| Average total assets | $886,781,667 | 950 |
| Average earning assets | $854,870,000 | 916 |
| Average equity | $91,162,333 | 1,026 |
| Average total loans | $673,445,000 | 878 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 2,029 |
| Cost of funding earning assets | 0.7036% | 2,919 |
| Net interest margin | 3.8858% | 1,717 |
| Noninterest income to average assets | 0.4160% | 2,999 |
| Noninterest expense to average assets | 1.7987% | 4,668 |
| Loan and lease loss provision to assets | 0.1835% | 1,629 |
| Net operating income to assets | 1.5404% | 712 |
| Return on assets (ROA) | 1.7230% | 540 |
| Pretax return on assets | 2.4026% | 199 |
| Return on Equity (ROE) | 16.4329% | 387 |
| Retained earnings to average equity (ytd only) | 16.4329% | 131 |
| Net charge-offs to loans | -0.0012% | 3,614 |
| Credit loss provision to net charge-offs | -19,500.0000% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3039% | 4,904 |
| Assets per employee ($millions) | 9.5297% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,844 |
| Loan loss allowance to noncurrent loans | 212.2024% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 1,630 |
| Noncurrent loans to loans | 0.4570% | 2,881 |
| Net loans and leases to total assets | 78.1443% | 957 |
| Net loans and leases to deposits | 88.3237% | 1,724 |
| Net loans and leases to core deposits | 91.7662% | 2,189 |
| Total domestic deposits to total assets | 88.4749% | 895 |
| Equity capital to assets | 10.8895% | 2,955 |
| Core capital (leverage) ratio | 10.8420% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7233% | 2,379 |
| Memoranda: | ||
| Average total assets | $849,925,500 | 960 |
| Average earning assets | $817,536,000 | 922 |
| Average equity | $89,114,000 | 1,042 |
| Average total loans | $656,617,000 | 876 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 2,295 |
| Cost of funding earning assets | 0.7116% | 3,108 |
| Net interest margin | 3.9990% | 1,863 |
| Noninterest income to average assets | 0.6904% | 1,848 |
| Noninterest expense to average assets | 1.8502% | 4,715 |
| Loan and lease loss provision to assets | 0.4122% | 340 |
| Net operating income to assets | 1.7008% | 659 |
| Return on assets (ROA) | 1.7322% | 655 |
| Pretax return on assets | 2.3000% | 311 |
| Return on Equity (ROE) | 17.2701% | 387 |
| Retained earnings to average equity (ytd only) | 7.6769% | 1,087 |
| Net charge-offs to loans | 0.6835% | 246 |
| Credit loss provision to net charge-offs | 78.2778% | 2,813 |
| Earnings coverage of net charge-offs (x) | 5.0754% | 3,130 |
| Efficiency ratio | 40.9090% | 5,050 |
| Assets per employee ($millions) | 9.6768% | 388 |
| Cash dividends to net income (ytd only)* | 55.5478% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 3,859 |
| Loan loss allowance to noncurrent loans | 195.8713% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 1,540 |
| Noncurrent loans to loans | 0.4722% | 2,771 |
| Net loans and leases to total assets | 74.9460% | 1,597 |
| Net loans and leases to deposits | 84.9701% | 2,208 |
| Net loans and leases to core deposits | 88.3558% | 2,577 |
| Total domestic deposits to total assets | 88.2028% | 1,033 |
| Equity capital to assets | 10.1719% | 3,759 |
| Core capital (leverage) ratio | 10.3227% | 3,164 |
| Tier 1 risk-based capital ratio | 12.5440% | 4,049 |
| Total risk-based capital ratio | 13.4052% | 4,161 |
| Memoranda: | ||
| Average total assets | $831,434,200 | 941 |
| Average earning assets | $796,782,000 | 912 |
| Average equity | $83,392,800 | 1,049 |
| Average total loans | $640,508,800 | 865 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 2,410 |
| Cost of funding earning assets | 0.7003% | 3,224 |
| Net interest margin | 4.0032% | 1,923 |
| Noninterest income to average assets | 0.6013% | 2,197 |
| Noninterest expense to average assets | 1.8228% | 4,787 |
| Loan and lease loss provision to assets | 0.0971% | 1,964 |
| Net operating income to assets | 1.7968% | 619 |
| Return on assets (ROA) | 1.8390% | 595 |
| Pretax return on assets | 2.5670% | 218 |
| Return on Equity (ROE) | 18.4029% | 361 |
| Retained earnings to average equity (ytd only) | 10.3066% | 682 |
| Net charge-offs to loans | 0.3155% | 550 |
| Credit loss provision to net charge-offs | 39.7614% | 2,858 |
| Earnings coverage of net charge-offs (x) | 10.6918% | 2,481 |
| Efficiency ratio | 41.1146% | 5,099 |
| Assets per employee ($millions) | 9.5226% | 404 |
| Cash dividends to net income (ytd only)* | 43.9947% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 3,937 |
| Loan loss allowance to noncurrent loans | 96.0424% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 1,042 |
| Noncurrent loans to loans | 0.9651% | 1,664 |
| Net loans and leases to total assets | 74.8375% | 1,676 |
| Net loans and leases to deposits | 83.7469% | 2,486 |
| Net loans and leases to core deposits | 86.6050% | 2,856 |
| Total domestic deposits to total assets | 89.3616% | 491 |
| Equity capital to assets | 10.1097% | 3,910 |
| Core capital (leverage) ratio | 10.5881% | 3,018 |
| Tier 1 risk-based capital ratio | 12.5291% | 4,125 |
| Total risk-based capital ratio | 13.3957% | 4,234 |
| Memoranda: | ||
| Average total assets | $823,984,000 | 954 |
| Average earning assets | $788,785,500 | 917 |
| Average equity | $82,340,000 | 1,052 |
| Average total loans | $637,764,500 | 869 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 2,289 |
| Cost of funding earning assets | 0.6866% | 3,240 |
| Net interest margin | 4.0378% | 1,803 |
| Noninterest income to average assets | 0.6713% | 1,829 |
| Noninterest expense to average assets | 1.8340% | 4,835 |
| Loan and lease loss provision to assets | 0.0741% | 2,334 |
| Net operating income to assets | 1.8473% | 541 |
| Return on assets (ROA) | 1.8765% | 530 |
| Pretax return on assets | 2.6533% | 197 |
| Return on Equity (ROE) | 18.8572% | 325 |
| Retained earnings to average equity (ytd only) | 6.4479% | 2,081 |
| Net charge-offs to loans | -0.0060% | 4,177 |
| Credit loss provision to net charge-offs | -1,578.9474% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5371% | 5,150 |
| Assets per employee ($millions) | 9.0830% | 449 |
| Cash dividends to net income (ytd only)* | 65.8068% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,930 |
| Loan loss allowance to noncurrent loans | 283.7417% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,751 |
| Noncurrent loans to loans | 0.3967% | 3,108 |
| Net loans and leases to total assets | 76.6779% | 1,436 |
| Net loans and leases to deposits | 86.5958% | 2,188 |
| Net loans and leases to core deposits | 89.2435% | 2,664 |
| Total domestic deposits to total assets | 88.5469% | 860 |
| Equity capital to assets | 10.0145% | 3,965 |
| Core capital (leverage) ratio | 10.5434% | 3,043 |
| Tier 1 risk-based capital ratio | 11.9077% | 4,472 |
| Total risk-based capital ratio | 12.9423% | 4,483 |
| Memoranda: | ||
| Average total assets | $809,793,000 | 965 |
| Average earning assets | $772,746,330 | 934 |
| Average equity | $80,584,670 | 1,073 |
| Average total loans | $632,160,330 | 875 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 2,433 |
| Cost of funding earning assets | 0.6684% | 3,213 |
| Net interest margin | 3.9650% | 1,967 |
| Noninterest income to average assets | 0.8277% | 1,223 |
| Noninterest expense to average assets | 1.8653% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8352% | 521 |
| Return on assets (ROA) | 1.8352% | 535 |
| Pretax return on assets | 2.7472% | 167 |
| Return on Equity (ROE) | 18.5032% | 361 |
| Retained earnings to average equity (ytd only) | -6.8020% | 5,005 |
| Net charge-offs to loans | -0.0109% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4397% | 5,203 |
| Assets per employee ($millions) | 8.9552% | 488 |
| Cash dividends to net income (ytd only)* | 136.7615% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,125 |
| Loan loss allowance to noncurrent loans | 223.7044% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 1,297 |
| Noncurrent loans to loans | 0.4919% | 2,841 |
| Net loans and leases to total assets | 78.8600% | 1,008 |
| Net loans and leases to deposits | 89.9790% | 1,637 |
| Net loans and leases to core deposits | 92.3336% | 2,272 |
| Total domestic deposits to total assets | 87.6427% | 1,501 |
| Equity capital to assets | 9.8921% | 3,927 |
| Core capital (leverage) ratio | 10.3714% | 3,197 |
| Tier 1 risk-based capital ratio | 11.6513% | 4,657 |
| Total risk-based capital ratio | 12.6696% | 4,686 |
| Memoranda: | ||
| Average total assets | $796,873,500 | 978 |
| Average earning assets | $760,652,000 | 948 |
| Average equity | $79,035,000 | 1,086 |
| Average total loans | $624,220,500 | 890 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 2,763 |
| Cost of funding earning assets | 0.3531% | 4,265 |
| Net interest margin | 4.0456% | 1,845 |
| Noninterest income to average assets | 0.6509% | 2,044 |
| Noninterest expense to average assets | 1.9635% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8485% | 504 |
| Return on assets (ROA) | 1.8456% | 503 |
| Pretax return on assets | 2.5333% | 196 |
| Return on Equity (ROE) | 18.5562% | 341 |
| Retained earnings to average equity (ytd only) | 9.1416% | 812 |
| Net charge-offs to loans | 0.0065% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 512.5676% | 206 |
| Efficiency ratio | 43.6287% | 5,194 |
| Assets per employee ($millions) | 8.9521% | 477 |
| Cash dividends to net income (ytd only)* | 50.7357% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,884 |
| Loan loss allowance to noncurrent loans | 156.1675% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 741 |
| Noncurrent loans to loans | 0.7288% | 2,169 |
| Net loans and leases to total assets | 76.0540% | 1,603 |
| Net loans and leases to deposits | 91.4003% | 1,614 |
| Net loans and leases to core deposits | 94.0656% | 2,224 |
| Total domestic deposits to total assets | 83.2098% | 3,261 |
| Equity capital to assets | 9.9442% | 3,731 |
| Core capital (leverage) ratio | 10.5246% | 2,999 |
| Tier 1 risk-based capital ratio | 12.2390% | 4,277 |
| Total risk-based capital ratio | 13.2885% | 4,292 |
| Memoranda: | ||
| Average total assets | $747,552,600 | 1,004 |
| Average earning assets | $711,314,200 | 973 |
| Average equity | $74,352,400 | 1,100 |
| Average total loans | $565,352,000 | 942 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 2,764 |
| Cost of funding earning assets | 0.2935% | 4,564 |
| Net interest margin | 4.0661% | 1,736 |
| Noninterest income to average assets | 0.5618% | 2,511 |
| Noninterest expense to average assets | 1.9837% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7966% | 605 |
| Return on assets (ROA) | 1.7927% | 611 |
| Pretax return on assets | 2.4372% | 259 |
| Return on Equity (ROE) | 18.0233% | 423 |
| Retained earnings to average equity (ytd only) | 5.2615% | 3,082 |
| Net charge-offs to loans | 0.0123% | 2,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 264.0522% | 355 |
| Efficiency ratio | 44.8209% | 5,192 |
| Assets per employee ($millions) | 8.2253% | 596 |
| Cash dividends to net income (ytd only)* | 70.8072% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,720 |
| Loan loss allowance to noncurrent loans | 190.5309% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 913 |
| Noncurrent loans to loans | 0.6210% | 2,535 |
| Net loans and leases to total assets | 77.6755% | 1,390 |
| Net loans and leases to deposits | 87.1241% | 2,250 |
| Net loans and leases to core deposits | 89.5232% | 2,698 |
| Total domestic deposits to total assets | 89.1550% | 794 |
| Equity capital to assets | 9.9583% | 3,689 |
| Core capital (leverage) ratio | 10.7118% | 2,872 |
| Tier 1 risk-based capital ratio | 12.0196% | 4,495 |
| Total risk-based capital ratio | 13.1001% | 4,469 |
| Memoranda: | ||
| Average total assets | $735,256,250 | 1,013 |
| Average earning assets | $698,701,500 | 987 |
| Average equity | $73,133,250 | 1,113 |
| Average total loans | $553,458,250 | 954 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,774 |
| Cost of funding earning assets | 0.2707% | 4,629 |
| Net interest margin | 4.0249% | 1,777 |
| Noninterest income to average assets | 0.5837% | 2,415 |
| Noninterest expense to average assets | 1.9892% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7830% | 602 |
| Return on assets (ROA) | 1.7771% | 615 |
| Pretax return on assets | 2.4038% | 270 |
| Return on Equity (ROE) | 17.8738% | 429 |
| Retained earnings to average equity (ytd only) | 6.8644% | 2,136 |
| Net charge-offs to loans | -0.0041% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2052% | 5,242 |
| Assets per employee ($millions) | 8.1318% | 601 |
| Cash dividends to net income (ytd only)* | 61.5953% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,378 |
| Loan loss allowance to noncurrent loans | 189.5305% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 904 |
| Noncurrent loans to loans | 0.6647% | 2,450 |
| Net loans and leases to total assets | 74.3906% | 1,885 |
| Net loans and leases to deposits | 83.2892% | 2,613 |
| Net loans and leases to core deposits | 83.8444% | 3,092 |
| Total domestic deposits to total assets | 89.3160% | 807 |
| Equity capital to assets | 10.0472% | 3,575 |
| Core capital (leverage) ratio | 10.6770% | 2,837 |
| Tier 1 risk-based capital ratio | 12.3073% | 4,305 |
| Total risk-based capital ratio | 13.4292% | 4,263 |
| Memoranda: | ||
| Average total assets | $730,840,000 | 1,017 |
| Average earning assets | $693,032,670 | 994 |
| Average equity | $72,665,000 | 1,120 |
| Average total loans | $541,822,000 | 970 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,856 |
| Cost of funding earning assets | 0.2698% | 4,579 |
| Net interest margin | 3.9382% | 1,905 |
| Noninterest income to average assets | 0.6620% | 1,990 |
| Noninterest expense to average assets | 2.0031% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7169% | 666 |
| Return on assets (ROA) | 1.7052% | 693 |
| Pretax return on assets | 2.3749% | 279 |
| Return on Equity (ROE) | 17.2424% | 488 |
| Retained earnings to average equity (ytd only) | -5.0346% | 5,208 |
| Net charge-offs to loans | -0.0015% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5993% | 5,295 |
| Assets per employee ($millions) | 8.1866% | 590 |
| Cash dividends to net income (ytd only)* | 129.1990% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,143 |
| Loan loss allowance to noncurrent loans | 186.4700% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 701 |
| Noncurrent loans to loans | 0.7085% | 2,442 |
| Net loans and leases to total assets | 71.9125% | 2,184 |
| Net loans and leases to deposits | 79.9264% | 2,815 |
| Net loans and leases to core deposits | 80.4653% | 3,285 |
| Total domestic deposits to total assets | 89.9735% | 665 |
| Equity capital to assets | 9.7561% | 3,834 |
| Core capital (leverage) ratio | 10.3896% | 3,073 |
| Tier 1 risk-based capital ratio | 12.3546% | 4,342 |
| Total risk-based capital ratio | 13.5313% | 4,285 |
| Memoranda: | ||
| Average total assets | $726,261,500 | 1,037 |
| Average earning assets | $688,033,000 | 1,010 |
| Average equity | $71,823,000 | 1,138 |
| Average total loans | $533,977,000 | 984 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 3,164 |
| Cost of funding earning assets | 0.2777% | 4,340 |
| Net interest margin | 3.7940% | 2,448 |
| Noninterest income to average assets | 0.5129% | 2,920 |
| Noninterest expense to average assets | 2.0466% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0496% | 2,051 |
| Return on assets (ROA) | 1.0496% | 2,083 |
| Pretax return on assets | 2.0485% | 438 |
| Return on Equity (ROE) | 10.5758% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.8907% | 2,196 |
| Net charge-offs to loans | -0.0811% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9776% | 5,217 |
| Assets per employee ($millions) | 7.8686% | 669 |
| Cash dividends to net income (ytd only)* | 53.7562% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,185 |
| Loan loss allowance to noncurrent loans | 177.3647% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.8448% | 655 |
| Noncurrent loans to loans | 0.7363% | 2,366 |
| Net loans and leases to total assets | 73.2082% | 2,060 |
| Net loans and leases to deposits | 81.6132% | 2,757 |
| Net loans and leases to core deposits | 82.2190% | 3,228 |
| Total domestic deposits to total assets | 89.7015% | 681 |
| Equity capital to assets | 10.0236% | 3,681 |
| Core capital (leverage) ratio | 10.4344% | 2,925 |
| Tier 1 risk-based capital ratio | 12.4463% | 4,240 |
| Total risk-based capital ratio | 13.6209% | 4,194 |
| Memoranda: | ||
| Average total assets | $708,923,200 | 1,030 |
| Average earning assets | $669,341,600 | 1,013 |
| Average equity | $70,358,600 | 1,129 |
| Average total loans | $519,189,600 | 985 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 3,263 |
| Cost of funding earning assets | 0.2791% | 4,324 |
| Net interest margin | 3.7462% | 2,587 |
| Noninterest income to average assets | 0.4496% | 3,334 |
| Noninterest expense to average assets | 2.0558% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1522% | 1,872 |
| Return on assets (ROA) | 1.1522% | 1,920 |
| Pretax return on assets | 1.9285% | 639 |
| Return on Equity (ROE) | 11.6393% | 1,447 |
| Retained earnings to average equity (ytd only) | 3.9995% | 3,543 |
| Net charge-offs to loans | -0.2121% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5968% | 5,133 |
| Assets per employee ($millions) | 7.9803% | 639 |
| Cash dividends to net income (ytd only)* | 65.6383% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,684 |
| Loan loss allowance to noncurrent loans | 149.6567% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 2.0215% | 637 |
| Noncurrent loans to loans | 0.9725% | 1,979 |
| Net loans and leases to total assets | 69.8679% | 2,578 |
| Net loans and leases to deposits | 77.9830% | 3,163 |
| Net loans and leases to core deposits | 78.5961% | 3,581 |
| Total domestic deposits to total assets | 89.5937% | 623 |
| Equity capital to assets | 10.0631% | 3,839 |
| Core capital (leverage) ratio | 10.4611% | 3,033 |
| Tier 1 risk-based capital ratio | 13.0333% | 3,984 |
| Total risk-based capital ratio | 14.2843% | 3,897 |
| Memoranda: | ||
| Average total assets | $705,175,750 | 1,042 |
| Average earning assets | $665,371,000 | 1,026 |
| Average equity | $69,807,750 | 1,148 |
| Average total loans | $514,742,750 | 996 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 3,288 |
| Cost of funding earning assets | 0.2762% | 4,322 |
| Net interest margin | 3.7027% | 2,651 |
| Noninterest income to average assets | 0.4623% | 3,271 |
| Noninterest expense to average assets | 2.1261% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1427% | 1,813 |
| Return on assets (ROA) | 1.1427% | 1,864 |
| Pretax return on assets | 1.8287% | 784 |
| Return on Equity (ROE) | 11.6083% | 1,421 |
| Retained earnings to average equity (ytd only) | 0.0116% | 5,067 |
| Net charge-offs to loans | -0.2846% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7596% | 5,036 |
| Assets per employee ($millions) | 7.5064% | 736 |
| Cash dividends to net income (ytd only)* | 99.9001% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,874 |
| Loan loss allowance to noncurrent loans | 154.8721% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 2.5953% | 400 |
| Noncurrent loans to loans | 0.9149% | 2,139 |
| Net loans and leases to total assets | 73.0239% | 2,039 |
| Net loans and leases to deposits | 81.4494% | 2,750 |
| Net loans and leases to core deposits | 82.3051% | 3,225 |
| Total domestic deposits to total assets | 89.6556% | 660 |
| Equity capital to assets | 10.0737% | 3,824 |
| Core capital (leverage) ratio | 10.3501% | 3,069 |
| Tier 1 risk-based capital ratio | 12.4337% | 4,335 |
| Total risk-based capital ratio | 13.6842% | 4,227 |
| Memoranda: | ||
| Average total assets | $700,824,000 | 1,045 |
| Average earning assets | $661,028,330 | 1,030 |
| Average equity | $68,985,000 | 1,160 |
| Average total loans | $516,582,330 | 991 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,611 |
| Cost of funding earning assets | 0.2703% | 4,355 |
| Net interest margin | 3.5721% | 2,996 |
| Noninterest income to average assets | 0.4187% | 3,531 |
| Noninterest expense to average assets | 2.0183% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0242% | 2,203 |
| Return on assets (ROA) | 1.0242% | 2,258 |
| Pretax return on assets | 1.7733% | 852 |
| Return on Equity (ROE) | 10.5276% | 1,730 |
| Retained earnings to average equity (ytd only) | -12.8931% | 5,636 |
| Net charge-offs to loans | -0.0008% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2302% | 5,184 |
| Assets per employee ($millions) | 7.9221% | 643 |
| Cash dividends to net income (ytd only)* | 222.4694% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,745 |
| Loan loss allowance to noncurrent loans | 77.7935% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 3.0759% | 322 |
| Noncurrent loans to loans | 1.6225% | 1,202 |
| Net loans and leases to total assets | 74.8302% | 1,609 |
| Net loans and leases to deposits | 83.4708% | 2,345 |
| Net loans and leases to core deposits | 84.3583% | 2,864 |
| Total domestic deposits to total assets | 89.6484% | 828 |
| Equity capital to assets | 9.7721% | 4,000 |
| Core capital (leverage) ratio | 10.1506% | 3,308 |
| Tier 1 risk-based capital ratio | 11.8513% | 4,812 |
| Total risk-based capital ratio | 12.9943% | 4,790 |
| Memoranda: | ||
| Average total assets | $702,188,000 | 1,049 |
| Average earning assets | $663,020,000 | 1,027 |
| Average equity | $68,315,500 | 1,169 |
| Average total loans | $516,321,500 | 990 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 3,138 |
| Cost of funding earning assets | 0.3078% | 3,977 |
| Net interest margin | 3.7078% | 2,661 |
| Noninterest income to average assets | 0.5967% | 2,683 |
| Noninterest expense to average assets | 2.1163% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1338% | 1,754 |
| Return on assets (ROA) | 1.2023% | 1,587 |
| Pretax return on assets | 2.0693% | 427 |
| Return on Equity (ROE) | 12.0452% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.5367% | 1,028 |
| Net charge-offs to loans | -0.0930% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8867% | 5,390 |
| Assets per employee ($millions) | 8.1267% | 575 |
| Cash dividends to net income (ytd only)* | 37.4298% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,593 |
| Loan loss allowance to noncurrent loans | 74.6461% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 300 |
| Noncurrent loans to loans | 1.7305% | 1,110 |
| Net loans and leases to total assets | 70.4340% | 2,412 |
| Net loans and leases to deposits | 80.7538% | 2,809 |
| Net loans and leases to core deposits | 81.5881% | 3,245 |
| Total domestic deposits to total assets | 87.2206% | 2,013 |
| Equity capital to assets | 9.6873% | 4,088 |
| Core capital (leverage) ratio | 10.3340% | 3,066 |
| Tier 1 risk-based capital ratio | 12.5000% | 4,373 |
| Total risk-based capital ratio | 13.6678% | 4,316 |
| Memoranda: | ||
| Average total assets | $666,648,200 | 1,065 |
| Average earning assets | $626,034,600 | 1,041 |
| Average equity | $66,541,200 | 1,178 |
| Average total loans | $501,079,400 | 974 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,070 |
| Cost of funding earning assets | 0.3185% | 3,889 |
| Net interest margin | 3.7215% | 2,635 |
| Noninterest income to average assets | 0.5278% | 3,059 |
| Noninterest expense to average assets | 2.1727% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0174% | 2,351 |
| Return on assets (ROA) | 1.1104% | 2,053 |
| Pretax return on assets | 1.9894% | 584 |
| Return on Equity (ROE) | 11.0358% | 1,655 |
| Retained earnings to average equity (ytd only) | 4.9622% | 2,852 |
| Net charge-offs to loans | -0.1615% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0900% | 5,235 |
| Assets per employee ($millions) | 8.1440% | 553 |
| Cash dividends to net income (ytd only)* | 55.0358% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,603 |
| Loan loss allowance to noncurrent loans | 94.9358% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 3.3606% | 305 |
| Noncurrent loans to loans | 1.3851% | 1,587 |
| Net loans and leases to total assets | 74.7212% | 1,752 |
| Net loans and leases to deposits | 83.7141% | 2,518 |
| Net loans and leases to core deposits | 84.5896% | 3,069 |
| Total domestic deposits to total assets | 89.2576% | 775 |
| Equity capital to assets | 10.0871% | 4,047 |
| Core capital (leverage) ratio | 10.3777% | 3,129 |
| Tier 1 risk-based capital ratio | 11.9256% | 4,833 |
| Total risk-based capital ratio | 13.1059% | 4,777 |
| Memoranda: | ||
| Average total assets | $654,522,250 | 1,087 |
| Average earning assets | $613,642,250 | 1,062 |
| Average equity | $65,856,750 | 1,198 |
| Average total loans | $498,773,750 | 977 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,128 |
| Cost of funding earning assets | 0.3249% | 3,849 |
| Net interest margin | 3.7076% | 2,665 |
| Noninterest income to average assets | 0.4399% | 3,594 |
| Noninterest expense to average assets | 2.1959% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9459% | 2,642 |
| Return on assets (ROA) | 1.0325% | 2,375 |
| Pretax return on assets | 1.8487% | 791 |
| Return on Equity (ROE) | 10.2703% | 1,938 |
| Retained earnings to average equity (ytd only) | 1.0510% | 4,970 |
| Net charge-offs to loans | -0.1828% | 5,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1720% | 5,128 |
| Assets per employee ($millions) | 6.9906% | 877 |
| Cash dividends to net income (ytd only)* | 89.7666% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,704 |
| Loan loss allowance to noncurrent loans | 95.1816% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 3.8240% | 252 |
| Noncurrent loans to loans | 1.3818% | 1,617 |
| Net loans and leases to total assets | 75.9165% | 1,502 |
| Net loans and leases to deposits | 85.1190% | 2,339 |
| Net loans and leases to core deposits | 85.7447% | 2,928 |
| Total domestic deposits to total assets | 89.1886% | 818 |
| Equity capital to assets | 10.1895% | 3,991 |
| Core capital (leverage) ratio | 10.3668% | 3,119 |
| Tier 1 risk-based capital ratio | 11.8267% | 4,956 |
| Total risk-based capital ratio | 13.0074% | 4,883 |
| Memoranda: | ||
| Average total assets | $647,379,670 | 1,099 |
| Average earning assets | $605,785,330 | 1,077 |
| Average equity | $65,081,000 | 1,209 |
| Average total loans | $494,429,000 | 989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 3,383 |
| Cost of funding earning assets | 0.3273% | 3,872 |
| Net interest margin | 3.6283% | 2,977 |
| Noninterest income to average assets | 0.8910% | 1,338 |
| Noninterest expense to average assets | 2.3077% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1343% | 1,771 |
| Return on assets (ROA) | 1.2464% | 1,515 |
| Pretax return on assets | 2.1492% | 419 |
| Return on Equity (ROE) | 12.4839% | 1,159 |
| Retained earnings to average equity (ytd only) | -6.1210% | 5,669 |
| Net charge-offs to loans | -0.2327% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8973% | 5,393 |
| Assets per employee ($millions) | 7.4192% | 735 |
| Cash dividends to net income (ytd only)* | 149.0313% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,921 |
| Loan loss allowance to noncurrent loans | 78.7521% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 4.1500% | 235 |
| Noncurrent loans to loans | 1.6466% | 1,383 |
| Net loans and leases to total assets | 77.3951% | 1,191 |
| Net loans and leases to deposits | 86.8053% | 1,969 |
| Net loans and leases to core deposits | 87.4477% | 2,618 |
| Total domestic deposits to total assets | 89.1594% | 1,017 |
| Equity capital to assets | 10.2456% | 3,797 |
| Core capital (leverage) ratio | 10.4214% | 3,052 |
| Tier 1 risk-based capital ratio | 11.7884% | 5,056 |
| Total risk-based capital ratio | 12.9592% | 5,009 |
| Memoranda: | ||
| Average total assets | $646,004,500 | 1,094 |
| Average earning assets | $603,695,500 | 1,075 |
| Average equity | $64,499,000 | 1,212 |
| Average total loans | $491,576,500 | 990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,106 |
| Cost of funding earning assets | 0.3774% | 3,399 |
| Net interest margin | 3.6750% | 2,852 |
| Noninterest income to average assets | 0.7797% | 1,863 |
| Noninterest expense to average assets | 2.2881% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1332% | 1,798 |
| Return on assets (ROA) | 1.1695% | 1,742 |
| Pretax return on assets | 1.9633% | 580 |
| Return on Equity (ROE) | 11.5742% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.8410% | 1,352 |
| Net charge-offs to loans | 0.3689% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.8271% | 3,166 |
| Efficiency ratio | 54.5451% | 5,487 |
| Assets per employee ($millions) | 7.5157% | 690 |
| Cash dividends to net income (ytd only)* | 40.8942% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,145 |
| Loan loss allowance to noncurrent loans | 58.6669% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 4.4093% | 223 |
| Noncurrent loans to loans | 2.1368% | 951 |
| Net loans and leases to total assets | 72.9594% | 1,898 |
| Net loans and leases to deposits | 83.6639% | 2,399 |
| Net loans and leases to core deposits | 84.5646% | 2,927 |
| Total domestic deposits to total assets | 87.2054% | 2,032 |
| Equity capital to assets | 9.7351% | 4,255 |
| Core capital (leverage) ratio | 10.1549% | 3,315 |
| Tier 1 risk-based capital ratio | 11.9295% | 5,000 |
| Total risk-based capital ratio | 13.0606% | 4,983 |
| Memoranda: | ||
| Average total assets | $627,296,200 | 1,089 |
| Average earning assets | $582,945,800 | 1,072 |
| Average equity | $63,382,200 | 1,192 |
| Average total loans | $474,959,400 | 980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,043 |
| Cost of funding earning assets | 0.3889% | 3,339 |
| Net interest margin | 3.6860% | 2,825 |
| Noninterest income to average assets | 0.6964% | 2,236 |
| Noninterest expense to average assets | 2.2336% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1396% | 1,869 |
| Return on assets (ROA) | 1.1875% | 1,753 |
| Pretax return on assets | 1.9565% | 657 |
| Return on Equity (ROE) | 11.6390% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.6390% | 401 |
| Net charge-offs to loans | 0.4640% | 541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.3217% | 3,222 |
| Efficiency ratio | 54.2751% | 5,491 |
| Assets per employee ($millions) | 7.4500% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,071 |
| Loan loss allowance to noncurrent loans | 58.2571% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 5.1387% | 188 |
| Noncurrent loans to loans | 2.2371% | 973 |
| Net loans and leases to total assets | 74.5887% | 1,628 |
| Net loans and leases to deposits | 84.0230% | 2,409 |
| Net loans and leases to core deposits | 84.6057% | 2,975 |
| Total domestic deposits to total assets | 88.7718% | 1,138 |
| Equity capital to assets | 10.3898% | 3,716 |
| Core capital (leverage) ratio | 10.5721% | 2,958 |
| Tier 1 risk-based capital ratio | 12.2166% | 4,951 |
| Total risk-based capital ratio | 13.3748% | 4,919 |
| Memoranda: | ||
| Average total assets | $618,775,250 | 1,107 |
| Average earning assets | $573,944,000 | 1,093 |
| Average equity | $63,131,250 | 1,202 |
| Average total loans | $471,533,000 | 984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,037 |
| Cost of funding earning assets | 0.3965% | 3,313 |
| Net interest margin | 3.6664% | 2,852 |
| Noninterest income to average assets | 0.7421% | 2,034 |
| Noninterest expense to average assets | 2.2279% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1698% | 1,703 |
| Return on assets (ROA) | 1.2421% | 1,550 |
| Pretax return on assets | 2.0279% | 567 |
| Return on Equity (ROE) | 12.2518% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.2518% | 373 |
| Net charge-offs to loans | 0.6782% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6945% | 3,151 |
| Efficiency ratio | 53.7784% | 5,608 |
| Assets per employee ($millions) | 7.5310% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 3,169 |
| Loan loss allowance to noncurrent loans | 69.3776% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 5.0483% | 216 |
| Noncurrent loans to loans | 1.8938% | 1,316 |
| Net loans and leases to total assets | 75.5480% | 1,428 |
| Net loans and leases to deposits | 85.2223% | 2,144 |
| Net loans and leases to core deposits | 85.7156% | 2,794 |
| Total domestic deposits to total assets | 88.6481% | 1,329 |
| Equity capital to assets | 10.2192% | 3,787 |
| Core capital (leverage) ratio | 10.4827% | 2,984 |
| Tier 1 risk-based capital ratio | 11.8144% | 5,270 |
| Total risk-based capital ratio | 12.9734% | 5,242 |
| Memoranda: | ||
| Average total assets | $613,949,000 | 1,124 |
| Average earning assets | $569,442,330 | 1,108 |
| Average equity | $62,243,670 | 1,222 |
| Average total loans | $469,186,330 | 991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,211 |
| Cost of funding earning assets | 0.4022% | 3,281 |
| Net interest margin | 3.6038% | 2,984 |
| Noninterest income to average assets | 0.6029% | 2,634 |
| Noninterest expense to average assets | 2.1677% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1122% | 1,827 |
| Return on assets (ROA) | 1.2578% | 1,467 |
| Pretax return on assets | 2.0033% | 581 |
| Return on Equity (ROE) | 12.4572% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.4572% | 508 |
| Net charge-offs to loans | 0.9791% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.3755% | 2,769 |
| Efficiency ratio | 54.9683% | 5,596 |
| Assets per employee ($millions) | 7.2671% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,658 |
| Loan loss allowance to noncurrent loans | 55.1366% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 5.4891% | 206 |
| Noncurrent loans to loans | 2.6369% | 903 |
| Net loans and leases to total assets | 73.9705% | 1,505 |
| Net loans and leases to deposits | 82.9524% | 2,211 |
| Net loans and leases to core deposits | 83.4343% | 2,826 |
| Total domestic deposits to total assets | 89.1721% | 1,158 |
| Equity capital to assets | 10.0892% | 4,031 |
| Core capital (leverage) ratio | 10.3419% | 3,174 |
| Tier 1 risk-based capital ratio | 11.8537% | 5,333 |
| Total risk-based capital ratio | 13.1038% | 5,223 |
| Memoranda: | ||
| Average total assets | $608,385,000 | 1,140 |
| Average earning assets | $563,955,500 | 1,122 |
| Average equity | $61,426,500 | 1,242 |
| Average total loans | $464,519,500 | 998 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,509 |
| Cost of funding earning assets | 0.4448% | 3,223 |
| Net interest margin | 3.8820% | 2,307 |
| Noninterest income to average assets | 2.0421% | 330 |
| Noninterest expense to average assets | 2.4627% | 4,661 |
| Loan and lease loss provision to assets | 0.0835% | 2,809 |
| Net operating income to assets | 1.8771% | 408 |
| Return on assets (ROA) | 1.8771% | 423 |
| Pretax return on assets | 3.0423% | 109 |
| Return on Equity (ROE) | 18.4835% | 358 |
| Retained earnings to average equity (ytd only) | 13.3425% | 208 |
| Net charge-offs to loans | 0.1028% | 3,034 |
| Credit loss provision to net charge-offs | 106.4302% | 2,246 |
| Earnings coverage of net charge-offs (x) | 39.8248% | 1,091 |
| Efficiency ratio | 44.0676% | 6,320 |
| Assets per employee ($millions) | 6.9460% | 875 |
| Cash dividends to net income (ytd only)* | 27.8138% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,746 |
| Loan loss allowance to noncurrent loans | 98.0317% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 4.7734% | 303 |
| Noncurrent loans to loans | 1.7464% | 1,658 |
| Net loans and leases to total assets | 76.5879% | 1,182 |
| Net loans and leases to deposits | 86.7148% | 1,883 |
| Net loans and leases to core deposits | 87.2407% | 2,589 |
| Total domestic deposits to total assets | 88.3216% | 1,607 |
| Equity capital to assets | 10.1818% | 3,879 |
| Core capital (leverage) ratio | 10.2718% | 3,211 |
| Tier 1 risk-based capital ratio | 12.2527% | 5,191 |
| Total risk-based capital ratio | 13.5072% | 5,102 |
| Memoranda: | ||
| Average total assets | $574,603,600 | 1,150 |
| Average earning assets | $524,942,000 | 1,161 |
| Average equity | $58,354,800 | 1,252 |
| Average total loans | $438,614,600 | 1,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 2,535 |
| Cost of funding earning assets | 0.4485% | 3,271 |
| Net interest margin | 3.8729% | 2,340 |
| Noninterest income to average assets | 2.4762% | 249 |
| Noninterest expense to average assets | 2.4005% | 4,819 |
| Loan and lease loss provision to assets | 0.1125% | 2,169 |
| Net operating income to assets | 2.1465% | 261 |
| Return on assets (ROA) | 2.1465% | 272 |
| Pretax return on assets | 3.4868% | 87 |
| Return on Equity (ROE) | 21.1502% | 229 |
| Retained earnings to average equity (ytd only) | 21.1502% | 61 |
| Net charge-offs to loans | 0.1448% | 2,355 |
| Credit loss provision to net charge-offs | 102.3454% | 2,156 |
| Earnings coverage of net charge-offs (x) | 32.7461% | 1,297 |
| Efficiency ratio | 40.0102% | 6,452 |
| Assets per employee ($millions) | 6.1808% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 1,874 |
| Loan loss allowance to noncurrent loans | 89.2080% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 5.0000% | 345 |
| Noncurrent loans to loans | 1.9436% | 1,641 |
| Net loans and leases to total assets | 75.9556% | 1,228 |
| Net loans and leases to deposits | 87.1291% | 1,776 |
| Net loans and leases to core deposits | 87.7577% | 2,461 |
| Total domestic deposits to total assets | 87.1759% | 2,216 |
| Equity capital to assets | 10.4611% | 3,611 |
| Core capital (leverage) ratio | 10.8855% | 2,591 |
| Tier 1 risk-based capital ratio | 12.6649% | 5,056 |
| Total risk-based capital ratio | 13.9195% | 4,970 |
| Memoranda: | ||
| Average total assets | $568,915,000 | 1,172 |
| Average earning assets | $517,603,250 | 1,187 |
| Average equity | $57,738,000 | 1,268 |
| Average total loans | $431,900,000 | 1,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,535 |
| Cost of funding earning assets | 0.4582% | 3,231 |
| Net interest margin | 3.8569% | 2,351 |
| Noninterest income to average assets | 3.9414% | 150 |
| Noninterest expense to average assets | 2.4360% | 4,781 |
| Loan and lease loss provision to assets | 0.1266% | 1,951 |
| Net operating income to assets | 2.9930% | 93 |
| Return on assets (ROA) | 2.9930% | 96 |
| Pretax return on assets | 4.8644% | 66 |
| Return on Equity (ROE) | 29.8153% | 60 |
| Retained earnings to average equity (ytd only) | 29.8153% | 29 |
| Net charge-offs to loans | 0.2402% | 1,605 |
| Credit loss provision to net charge-offs | 69.8819% | 2,477 |
| Earnings coverage of net charge-offs (x) | 27.5472% | 1,338 |
| Efficiency ratio | 32.7987% | 6,591 |
| Assets per employee ($millions) | 6.4966% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 1,963 |
| Loan loss allowance to noncurrent loans | 72.0885% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 5.7484% | 279 |
| Noncurrent loans to loans | 2.4359% | 1,288 |
| Net loans and leases to total assets | 77.0817% | 1,041 |
| Net loans and leases to deposits | 89.2015% | 1,453 |
| Net loans and leases to core deposits | 89.9308% | 2,135 |
| Total domestic deposits to total assets | 86.4130% | 2,812 |
| Equity capital to assets | 10.8382% | 3,042 |
| Core capital (leverage) ratio | 10.8916% | 2,539 |
| Tier 1 risk-based capital ratio | 12.9452% | 4,946 |
| Total risk-based capital ratio | 14.2001% | 4,882 |
| Memoranda: | ||
| Average total assets | $560,766,670 | 1,189 |
| Average earning assets | $506,786,330 | 1,214 |
| Average equity | $56,293,330 | 1,291 |
| Average total loans | $422,986,000 | 1,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,838 |
| Cost of funding earning assets | 0.4630% | 3,282 |
| Net interest margin | 3.7472% | 2,689 |
| Noninterest income to average assets | 0.8193% | 1,677 |
| Noninterest expense to average assets | 2.1685% | 5,541 |
| Loan and lease loss provision to assets | 0.0322% | 3,401 |
| Net operating income to assets | 1.2389% | 1,375 |
| Return on assets (ROA) | 1.2389% | 1,432 |
| Pretax return on assets | 1.9687% | 568 |
| Return on Equity (ROE) | 12.8598% | 1,194 |
| Retained earnings to average equity (ytd only) | 12.8598% | 500 |
| Net charge-offs to loans | 0.4351% | 837 |
| Credit loss provision to net charge-offs | 10.0223% | 2,605 |
| Earnings coverage of net charge-offs (x) | 6.2227% | 2,253 |
| Efficiency ratio | 52.0096% | 6,138 |
| Assets per employee ($millions) | 6.5771% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 1,992 |
| Loan loss allowance to noncurrent loans | 91.5897% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 7.2538% | 206 |
| Noncurrent loans to loans | 1.9803% | 1,887 |
| Net loans and leases to total assets | 72.9737% | 1,431 |
| Net loans and leases to deposits | 82.5980% | 1,991 |
| Net loans and leases to core deposits | 83.3253% | 2,599 |
| Total domestic deposits to total assets | 88.3480% | 2,028 |
| Equity capital to assets | 9.7749% | 4,137 |
| Core capital (leverage) ratio | 9.3915% | 4,432 |
| Tier 1 risk-based capital ratio | 11.3322% | 6,005 |
| Total risk-based capital ratio | 12.5870% | 5,950 |
| Memoranda: | ||
| Average total assets | $558,548,500 | 1,198 |
| Average earning assets | $499,355,500 | 1,240 |
| Average equity | $53,811,000 | 1,345 |
| Average total loans | $412,751,500 | 1,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 2,173 |
| Cost of funding earning assets | 0.6148% | 2,525 |
| Net interest margin | 3.8940% | 2,306 |
| Noninterest income to average assets | 0.5360% | 3,511 |
| Noninterest expense to average assets | 2.4404% | 4,956 |
| Loan and lease loss provision to assets | 0.0734% | 3,649 |
| Net operating income to assets | 0.9468% | 2,578 |
| Return on assets (ROA) | 0.9422% | 2,672 |
| Pretax return on assets | 1.4272% | 1,694 |
| Return on Equity (ROE) | 10.4267% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.4267% | 496 |
| Net charge-offs to loans | 0.1862% | 2,974 |
| Credit loss provision to net charge-offs | 54.6667% | 3,712 |
| Earnings coverage of net charge-offs (x) | 11.2280% | 2,259 |
| Efficiency ratio | 61.8130% | 5,241 |
| Assets per employee ($millions) | 6.6433% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 1,691 |
| Loan loss allowance to noncurrent loans | 84.8019% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 8.0944% | 184 |
| Noncurrent loans to loans | 2.2836% | 1,692 |
| Net loans and leases to total assets | 72.0490% | 1,670 |
| Net loans and leases to deposits | 80.8580% | 2,337 |
| Net loans and leases to core deposits | 81.7007% | 2,933 |
| Total domestic deposits to total assets | 89.1056% | 1,549 |
| Equity capital to assets | 9.4930% | 4,435 |
| Core capital (leverage) ratio | 8.8558% | 5,206 |
| Tier 1 risk-based capital ratio | 10.8514% | 6,243 |
| Total risk-based capital ratio | 12.1052% | 6,188 |
| Memoranda: | ||
| Average total assets | $558,565,400 | 1,182 |
| Average earning assets | $489,415,000 | 1,252 |
| Average equity | $50,476,200 | 1,405 |
| Average total loans | $402,859,200 | 1,063 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,063 |
| Cost of funding earning assets | 0.6275% | 2,574 |
| Net interest margin | 3.9163% | 2,209 |
| Noninterest income to average assets | 0.4534% | 4,131 |
| Noninterest expense to average assets | 2.4287% | 4,935 |
| Loan and lease loss provision to assets | 0.0978% | 3,129 |
| Net operating income to assets | 0.9074% | 2,796 |
| Return on assets (ROA) | 0.9011% | 2,943 |
| Pretax return on assets | 1.3357% | 2,192 |
| Return on Equity (ROE) | 10.0991% | 2,139 |
| Retained earnings to average equity (ytd only) | 10.0991% | 767 |
| Net charge-offs to loans | 0.1094% | 3,443 |
| Credit loss provision to net charge-offs | 124.6201% | 1,892 |
| Earnings coverage of net charge-offs (x) | 18.3767% | 1,687 |
| Efficiency ratio | 62.7319% | 5,024 |
| Assets per employee ($millions) | 6.7734% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 1,564 |
| Loan loss allowance to noncurrent loans | 84.5485% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 8.9039% | 183 |
| Noncurrent loans to loans | 2.4501% | 1,779 |
| Net loans and leases to total assets | 70.3071% | 1,911 |
| Net loans and leases to deposits | 79.4623% | 2,482 |
| Net loans and leases to core deposits | 80.6968% | 3,044 |
| Total domestic deposits to total assets | 88.4785% | 1,848 |
| Equity capital to assets | 9.2029% | 4,933 |
| Core capital (leverage) ratio | 8.4705% | 5,799 |
| Tier 1 risk-based capital ratio | 10.3689% | 6,491 |
| Total risk-based capital ratio | 11.6264% | 6,455 |
| Memoranda: | ||
| Average total assets | $558,696,500 | 1,196 |
| Average earning assets | $487,623,750 | 1,263 |
| Average equity | $49,851,500 | 1,429 |
| Average total loans | $401,073,250 | 1,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 2,055 |
| Cost of funding earning assets | 0.6391% | 2,597 |
| Net interest margin | 3.9020% | 2,204 |
| Noninterest income to average assets | 0.5582% | 3,451 |
| Noninterest expense to average assets | 2.5003% | 4,728 |
| Loan and lease loss provision to assets | 0.1471% | 2,491 |
| Net operating income to assets | 0.8559% | 3,017 |
| Return on assets (ROA) | 0.8469% | 3,213 |
| Pretax return on assets | 1.2918% | 2,330 |
| Return on Equity (ROE) | 9.5931% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.5931% | 943 |
| Net charge-offs to loans | 0.1304% | 3,067 |
| Credit loss provision to net charge-offs | 157.0881% | 1,474 |
| Earnings coverage of net charge-offs (x) | 15.5134% | 1,735 |
| Efficiency ratio | 63.2544% | 4,970 |
| Assets per employee ($millions) | 6.8164% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 1,633 |
| Loan loss allowance to noncurrent loans | 81.6113% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 9.8263% | 153 |
| Noncurrent loans to loans | 2.5747% | 1,784 |
| Net loans and leases to total assets | 70.2514% | 1,839 |
| Net loans and leases to deposits | 79.5787% | 2,388 |
| Net loans and leases to core deposits | 80.8089% | 2,936 |
| Total domestic deposits to total assets | 88.2792% | 2,058 |
| Equity capital to assets | 8.9772% | 5,241 |
| Core capital (leverage) ratio | 8.1460% | 6,063 |
| Tier 1 risk-based capital ratio | 9.8876% | 6,657 |
| Total risk-based capital ratio | 11.1453% | 6,636 |
| Memoranda: | ||
| Average total assets | $557,531,670 | 1,199 |
| Average earning assets | $485,029,670 | 1,270 |
| Average equity | $49,222,670 | 1,450 |
| Average total loans | $400,224,000 | 1,066 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 1,907 |
| Cost of funding earning assets | 0.6532% | 2,625 |
| Net interest margin | 3.9230% | 2,042 |
| Noninterest income to average assets | 0.5847% | 3,220 |
| Noninterest expense to average assets | 2.6651% | 4,198 |
| Loan and lease loss provision to assets | 0.2945% | 1,188 |
| Net operating income to assets | 0.7305% | 3,536 |
| Return on assets (ROA) | 0.6968% | 3,843 |
| Pretax return on assets | 0.9863% | 3,417 |
| Return on Equity (ROE) | 7.9598% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.9598% | 1,765 |
| Net charge-offs to loans | 0.1051% | 2,819 |
| Credit loss provision to net charge-offs | 390.4762% | 650 |
| Earnings coverage of net charge-offs (x) | 17.6095% | 1,305 |
| Efficiency ratio | 66.7386% | 4,530 |
| Assets per employee ($millions) | 7.0289% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1289% | 1,733 |
| Loan loss allowance to noncurrent loans | 91.0875% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 9.8269% | 202 |
| Noncurrent loans to loans | 2.3372% | 2,238 |
| Net loans and leases to total assets | 71.0770% | 1,506 |
| Net loans and leases to deposits | 79.3163% | 2,170 |
| Net loans and leases to core deposits | 80.4892% | 2,746 |
| Total domestic deposits to total assets | 89.6121% | 1,290 |
| Equity capital to assets | 8.8692% | 5,645 |
| Core capital (leverage) ratio | 7.8782% | 6,236 |
| Tier 1 risk-based capital ratio | 9.4234% | 6,771 |
| Total risk-based capital ratio | 10.6802% | 6,764 |
| Memoranda: | ||
| Average total assets | $556,823,500 | 1,213 |
| Average earning assets | $483,808,000 | 1,281 |
| Average equity | $48,745,000 | 1,483 |
| Average total loans | $399,787,500 | 1,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 2,017 |
| Cost of funding earning assets | 0.7723% | 2,896 |
| Net interest margin | 4.0784% | 2,088 |
| Noninterest income to average assets | 0.1816% | 6,099 |
| Noninterest expense to average assets | 2.5544% | 4,920 |
| Loan and lease loss provision to assets | 0.3998% | 1,626 |
| Net operating income to assets | 0.5299% | 4,565 |
| Return on assets (ROA) | 0.6230% | 4,387 |
| Pretax return on assets | 0.8658% | 4,048 |
| Return on Equity (ROE) | 7.3533% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.3533% | 1,397 |
| Net charge-offs to loans | 0.5303% | 2,137 |
| Credit loss provision to net charge-offs | 105.8341% | 2,811 |
| Earnings coverage of net charge-offs (x) | 3.0077% | 3,925 |
| Efficiency ratio | 69.2118% | 3,938 |
| Assets per employee ($millions) | 6.8093% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 1,798 |
| Loan loss allowance to noncurrent loans | 80.3805% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 9.9442% | 221 |
| Noncurrent loans to loans | 2.5992% | 2,035 |
| Net loans and leases to total assets | 69.4944% | 1,945 |
| Net loans and leases to deposits | 77.0599% | 2,650 |
| Net loans and leases to core deposits | 78.1044% | 3,245 |
| Total domestic deposits to total assets | 90.1822% | 858 |
| Equity capital to assets | 8.6397% | 5,917 |
| Core capital (leverage) ratio | 7.5006% | 6,505 |
| Tier 1 risk-based capital ratio | 9.2382% | 6,832 |
| Total risk-based capital ratio | 10.4958% | 6,828 |
| Memoranda: | ||
| Average total assets | $548,976,800 | 1,222 |
| Average earning assets | $472,345,000 | 1,291 |
| Average equity | $46,510,000 | 1,500 |
| Average total loans | $391,068,400 | 1,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 2,077 |
| Cost of funding earning assets | 0.7955% | 2,985 |
| Net interest margin | 4.0873% | 2,137 |
| Noninterest income to average assets | 0.1949% | 6,132 |
| Noninterest expense to average assets | 2.4779% | 5,154 |
| Loan and lease loss provision to assets | 0.5354% | 1,105 |
| Net operating income to assets | 0.5075% | 4,817 |
| Return on assets (ROA) | 0.6220% | 4,544 |
| Pretax return on assets | 0.8464% | 4,313 |
| Return on Equity (ROE) | 7.3787% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.3787% | 1,907 |
| Net charge-offs to loans | 0.6181% | 1,784 |
| Credit loss provision to net charge-offs | 121.4721% | 2,384 |
| Earnings coverage of net charge-offs (x) | 2.7792% | 3,927 |
| Efficiency ratio | 66.9192% | 4,262 |
| Assets per employee ($millions) | 6.9631% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 1,761 |
| Loan loss allowance to noncurrent loans | 73.1200% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 10.4543% | 220 |
| Noncurrent loans to loans | 2.9720% | 1,884 |
| Net loans and leases to total assets | 69.0723% | 2,097 |
| Net loans and leases to deposits | 77.1427% | 2,786 |
| Net loans and leases to core deposits | 78.3884% | 3,409 |
| Total domestic deposits to total assets | 89.5383% | 1,107 |
| Equity capital to assets | 8.5013% | 6,259 |
| Core capital (leverage) ratio | 7.4306% | 6,653 |
| Tier 1 risk-based capital ratio | 8.9602% | 6,943 |
| Total risk-based capital ratio | 10.2184% | 6,944 |
| Memoranda: | ||
| Average total assets | $546,629,500 | 1,242 |
| Average earning assets | $469,152,000 | 1,316 |
| Average equity | $46,077,250 | 1,522 |
| Average total loans | $389,757,250 | 1,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 2,186 |
| Cost of funding earning assets | 0.8195% | 3,035 |
| Net interest margin | 4.0624% | 2,239 |
| Noninterest income to average assets | 0.2898% | 5,487 |
| Noninterest expense to average assets | 2.4855% | 5,189 |
| Loan and lease loss provision to assets | 0.5505% | 1,118 |
| Net operating income to assets | 0.5623% | 4,523 |
| Return on assets (ROA) | 0.5711% | 4,766 |
| Pretax return on assets | 0.7423% | 4,693 |
| Return on Equity (ROE) | 6.7950% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.7950% | 2,220 |
| Net charge-offs to loans | 0.2630% | 3,003 |
| Credit loss provision to net charge-offs | 292.5636% | 999 |
| Earnings coverage of net charge-offs (x) | 6.8102% | 2,573 |
| Efficiency ratio | 65.9824% | 4,538 |
| Assets per employee ($millions) | 6.6254% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3583% | 1,486 |
| Loan loss allowance to noncurrent loans | 51.6495% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 12.0802% | 177 |
| Noncurrent loans to loans | 4.5660% | 1,151 |
| Net loans and leases to total assets | 70.5378% | 1,817 |
| Net loans and leases to deposits | 78.7507% | 2,556 |
| Net loans and leases to core deposits | 80.1156% | 3,201 |
| Total domestic deposits to total assets | 89.5710% | 1,180 |
| Equity capital to assets | 8.7009% | 6,028 |
| Core capital (leverage) ratio | 7.3080% | 6,716 |
| Tier 1 risk-based capital ratio | 8.8292% | 6,993 |
| Total risk-based capital ratio | 10.0902% | 6,995 |
| Memoranda: | ||
| Average total assets | $543,158,000 | 1,247 |
| Average earning assets | $464,895,670 | 1,330 |
| Average equity | $45,651,000 | 1,527 |
| Average total loans | $388,573,000 | 1,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 2,402 |
| Cost of funding earning assets | 0.8513% | 3,055 |
| Net interest margin | 4.0074% | 2,473 |
| Noninterest income to average assets | 0.3375% | 5,156 |
| Noninterest expense to average assets | 2.4809% | 5,211 |
| Loan and lease loss provision to assets | 0.6771% | 783 |
| Net operating income to assets | 0.4931% | 4,857 |
| Return on assets (ROA) | 0.5117% | 4,990 |
| Pretax return on assets | 0.6274% | 5,022 |
| Return on Equity (ROE) | 6.1955% | 4,188 |
| Retained earnings to average equity (ytd only) | 6.1955% | 2,840 |
| Net charge-offs to loans | 0.3691% | 2,203 |
| Credit loss provision to net charge-offs | 257.6602% | 1,113 |
| Earnings coverage of net charge-offs (x) | 4.8774% | 2,486 |
| Efficiency ratio | 65.9339% | 4,563 |
| Assets per employee ($millions) | 6.6071% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 1,777 |
| Loan loss allowance to noncurrent loans | 37.2561% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 13.4174% | 155 |
| Noncurrent loans to loans | 6.0408% | 831 |
| Net loans and leases to total assets | 69.9460% | 1,764 |
| Net loans and leases to deposits | 77.2855% | 2,630 |
| Net loans and leases to core deposits | 78.6628% | 3,236 |
| Total domestic deposits to total assets | 90.5034% | 803 |
| Equity capital to assets | 8.3475% | 6,227 |
| Core capital (leverage) ratio | 7.0473% | 6,822 |
| Tier 1 risk-based capital ratio | 8.5278% | 7,074 |
| Total risk-based capital ratio | 9.7867% | 7,073 |
| Memoranda: | ||
| Average total assets | $546,408,500 | 1,245 |
| Average earning assets | $467,035,000 | 1,331 |
| Average equity | $45,129,500 | 1,537 |
| Average total loans | $389,015,000 | 1,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 3,500 |
| Cost of funding earning assets | 1.1353% | 2,440 |
| Net interest margin | 3.7344% | 4,136 |
| Noninterest income to average assets | -0.0219% | 7,035 |
| Noninterest expense to average assets | 2.4587% | 5,606 |
| Loan and lease loss provision to assets | 1.9489% | 315 |
| Net operating income to assets | -0.5851% | 6,543 |
| Return on assets (ROA) | -0.5210% | 6,546 |
| Pretax return on assets | -1.1308% | 6,786 |
| Return on Equity (ROE) | -6.3010% | 6,598 |
| Retained earnings to average equity (ytd only) | -6.3010% | 6,530 |
| Net charge-offs to loans | 4.1094% | 143 |
| Credit loss provision to net charge-offs | 67.2889% | 4,951 |
| Earnings coverage of net charge-offs (x) | 0.2479% | 5,640 |
| Efficiency ratio | 77.3996% | 2,679 |
| Assets per employee ($millions) | 6.7199% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 2,030 |
| Loan loss allowance to noncurrent loans | 30.0626% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 14.0833% | 149 |
| Noncurrent loans to loans | 6.9527% | 638 |
| Net loans and leases to total assets | 69.3588% | 2,152 |
| Net loans and leases to deposits | 76.4478% | 3,106 |
| Net loans and leases to core deposits | 78.0455% | 3,683 |
| Total domestic deposits to total assets | 90.7269% | 613 |
| Equity capital to assets | 8.1726% | 6,460 |
| Core capital (leverage) ratio | 6.5776% | 6,966 |
| Tier 1 risk-based capital ratio | 8.2423% | 7,096 |
| Total risk-based capital ratio | 9.4995% | 7,101 |
| Memoranda: | ||
| Average total assets | $575,258,200 | 1,146 |
| Average earning assets | $492,717,000 | 1,230 |
| Average equity | $47,563,600 | 1,427 |
| Average total loans | $405,431,400 | 1,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 3,822 |
| Cost of funding earning assets | 1.1743% | 2,484 |
| Net interest margin | 3.6681% | 4,484 |
| Noninterest income to average assets | 0.6289% | 2,999 |
| Noninterest expense to average assets | 2.4794% | 5,534 |
| Loan and lease loss provision to assets | 1.5943% | 411 |
| Net operating income to assets | -0.0493% | 6,220 |
| Return on assets (ROA) | 0.0351% | 6,197 |
| Pretax return on assets | -0.1690% | 6,386 |
| Return on Equity (ROE) | 0.4233% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.4233% | 5,823 |
| Net charge-offs to loans | 2.7422% | 375 |
| Credit loss provision to net charge-offs | 82.5927% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.6700% | 5,123 |
| Efficiency ratio | 65.7183% | 4,764 |
| Assets per employee ($millions) | 6.8285% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0561% | 829 |
| Loan loss allowance to noncurrent loans | 33.8783% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 16.0542% | 107 |
| Noncurrent loans to loans | 9.0209% | 431 |
| Net loans and leases to total assets | 66.3637% | 2,809 |
| Net loans and leases to deposits | 73.4228% | 3,738 |
| Net loans and leases to core deposits | 75.0438% | 4,317 |
| Total domestic deposits to total assets | 90.3856% | 684 |
| Equity capital to assets | 8.3024% | 6,480 |
| Core capital (leverage) ratio | 7.5047% | 6,761 |
| Tier 1 risk-based capital ratio | 9.3970% | 7,065 |
| Total risk-based capital ratio | 10.6646% | 7,062 |
| Memoranda: | ||
| Average total assets | $581,314,000 | 1,134 |
| Average earning assets | $498,230,500 | 1,220 |
| Average equity | $48,196,000 | 1,422 |
| Average total loans | $409,201,750 | 1,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 3,322 |
| Cost of funding earning assets | 1.2084% | 2,522 |
| Net interest margin | 3.7586% | 3,993 |
| Noninterest income to average assets | 0.7283% | 2,386 |
| Noninterest expense to average assets | 2.5474% | 5,367 |
| Loan and lease loss provision to assets | 1.6953% | 400 |
| Net operating income to assets | -0.0402% | 6,286 |
| Return on assets (ROA) | 0.0100% | 6,286 |
| Pretax return on assets | -0.2111% | 6,462 |
| Return on Equity (ROE) | 0.1203% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.1203% | 5,790 |
| Net charge-offs to loans | 2.4383% | 495 |
| Credit loss provision to net charge-offs | 97.8757% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.8116% | 4,692 |
| Efficiency ratio | 64.4398% | 5,158 |
| Assets per employee ($millions) | 6.5394% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3446% | 672 |
| Loan loss allowance to noncurrent loans | 38.2341% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 16.1803% | 118 |
| Noncurrent loans to loans | 8.7478% | 480 |
| Net loans and leases to total assets | 68.5830% | 2,501 |
| Net loans and leases to deposits | 75.9699% | 3,482 |
| Net loans and leases to core deposits | 77.7705% | 4,082 |
| Total domestic deposits to total assets | 90.2765% | 826 |
| Equity capital to assets | 8.5031% | 6,180 |
| Core capital (leverage) ratio | 7.5214% | 6,731 |
| Tier 1 risk-based capital ratio | 9.3547% | 7,131 |
| Total risk-based capital ratio | 10.6257% | 7,123 |
| Memoranda: | ||
| Average total assets | $581,611,000 | 1,151 |
| Average earning assets | $499,017,670 | 1,218 |
| Average equity | $48,198,330 | 1,403 |
| Average total loans | $413,158,000 | 1,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 4,069 |
| Cost of funding earning assets | 1.2449% | 2,535 |
| Net interest margin | 3.5530% | 4,799 |
| Noninterest income to average assets | 0.8443% | 1,871 |
| Noninterest expense to average assets | 2.3281% | 6,116 |
| Loan and lease loss provision to assets | 1.4287% | 456 |
| Net operating income to assets | 0.2197% | 5,717 |
| Return on assets (ROA) | 0.2320% | 5,739 |
| Pretax return on assets | 0.1599% | 6,028 |
| Return on Equity (ROE) | 2.8352% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.8352% | 4,467 |
| Net charge-offs to loans | 1.3908% | 986 |
| Credit loss provision to net charge-offs | 144.5286% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.5946% | 3,516 |
| Efficiency ratio | 59.6271% | 6,037 |
| Assets per employee ($millions) | 7.0709% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4915% | 606 |
| Loan loss allowance to noncurrent loans | 40.6710% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 16.1859% | 129 |
| Noncurrent loans to loans | 8.5847% | 540 |
| Net loans and leases to total assets | 67.9613% | 2,556 |
| Net loans and leases to deposits | 75.2331% | 3,549 |
| Net loans and leases to core deposits | 77.0517% | 4,157 |
| Total domestic deposits to total assets | 90.3343% | 944 |
| Equity capital to assets | 8.3258% | 6,135 |
| Core capital (leverage) ratio | 7.4415% | 6,763 |
| Tier 1 risk-based capital ratio | 9.2025% | 7,199 |
| Total risk-based capital ratio | 10.4748% | 7,198 |
| Memoranda: | ||
| Average total assets | $587,951,000 | 1,138 |
| Average earning assets | $506,388,500 | 1,209 |
| Average equity | $48,109,000 | 1,391 |
| Average total loans | $417,891,000 | 1,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 4,581 |
| Cost of funding earning assets | 1.5889% | 2,134 |
| Net interest margin | 3.4071% | 5,602 |
| Noninterest income to average assets | 0.4824% | 4,305 |
| Noninterest expense to average assets | 2.5131% | 5,740 |
| Loan and lease loss provision to assets | 2.9076% | 342 |
| Net operating income to assets | -1.0318% | 6,702 |
| Return on assets (ROA) | -0.9075% | 6,663 |
| Pretax return on assets | -1.7414% | 6,940 |
| Return on Equity (ROE) | -11.0598% | 6,775 |
| Retained earnings to average equity (ytd only) | -11.0598% | 6,716 |
| Net charge-offs to loans | 3.3200% | 459 |
| Credit loss provision to net charge-offs | 117.8916% | 3,613 |
| Earnings coverage of net charge-offs (x) | 0.3941% | 5,712 |
| Efficiency ratio | 72.1111% | 3,772 |
| Assets per employee ($millions) | 6.9312% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1836% | 744 |
| Loan loss allowance to noncurrent loans | 36.6978% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 14.4992% | 183 |
| Noncurrent loans to loans | 8.6751% | 553 |
| Net loans and leases to total assets | 69.4306% | 2,678 |
| Net loans and leases to deposits | 76.4227% | 3,778 |
| Net loans and leases to core deposits | 78.5355% | 4,391 |
| Total domestic deposits to total assets | 90.8508% | 670 |
| Equity capital to assets | 8.0431% | 6,450 |
| Core capital (leverage) ratio | 7.0900% | 6,981 |
| Tier 1 risk-based capital ratio | 8.7279% | 7,289 |
| Total risk-based capital ratio | 9.9977% | 7,298 |
| Memoranda: | ||
| Average total assets | $609,612,800 | 1,093 |
| Average earning assets | $537,238,600 | 1,132 |
| Average equity | $50,019,000 | 1,337 |
| Average total loans | $452,865,000 | 999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 4,647 |
| Cost of funding earning assets | 1.6543% | 2,081 |
| Net interest margin | 3.3819% | 5,744 |
| Noninterest income to average assets | 0.5681% | 3,668 |
| Noninterest expense to average assets | 2.5031% | 5,709 |
| Loan and lease loss provision to assets | 3.5671% | 198 |
| Net operating income to assets | -1.3823% | 7,065 |
| Return on assets (ROA) | -1.2176% | 7,019 |
| Pretax return on assets | -2.2553% | 7,261 |
| Return on Equity (ROE) | -14.7688% | 7,099 |
| Retained earnings to average equity (ytd only) | -14.7688% | 7,072 |
| Net charge-offs to loans | 3.5968% | 367 |
| Credit loss provision to net charge-offs | 132.3862% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.3913% | 5,635 |
| Efficiency ratio | 70.3595% | 3,992 |
| Assets per employee ($millions) | 7.1130% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3823% | 588 |
| Loan loss allowance to noncurrent loans | 36.4856% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 15.2792% | 149 |
| Noncurrent loans to loans | 9.2703% | 499 |
| Net loans and leases to total assets | 71.3834% | 2,386 |
| Net loans and leases to deposits | 79.3569% | 3,567 |
| Net loans and leases to core deposits | 81.8185% | 4,269 |
| Total domestic deposits to total assets | 89.9523% | 906 |
| Equity capital to assets | 8.0594% | 6,750 |
| Core capital (leverage) ratio | 7.3001% | 7,004 |
| Tier 1 risk-based capital ratio | 8.7904% | 7,400 |
| Total risk-based capital ratio | 10.0623% | 7,410 |
| Memoranda: | ||
| Average total assets | $612,994,250 | 1,098 |
| Average earning assets | $541,852,500 | 1,131 |
| Average equity | $50,537,750 | 1,325 |
| Average total loans | $459,212,250 | 992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 5,103 |
| Cost of funding earning assets | 1.7010% | 2,115 |
| Net interest margin | 3.2650% | 6,123 |
| Noninterest income to average assets | 0.5270% | 3,900 |
| Noninterest expense to average assets | 2.5679% | 5,462 |
| Loan and lease loss provision to assets | 4.0265% | 188 |
| Net operating income to assets | -1.7688% | 7,250 |
| Return on assets (ROA) | -1.5705% | 7,186 |
| Pretax return on assets | -2.8449% | 7,442 |
| Return on Equity (ROE) | -18.9121% | 7,254 |
| Retained earnings to average equity (ytd only) | -18.9121% | 7,229 |
| Net charge-offs to loans | 4.0779% | 312 |
| Credit loss provision to net charge-offs | 131.2210% | 3,069 |
| Earnings coverage of net charge-offs (x) | 0.2841% | 5,444 |
| Efficiency ratio | 74.6590% | 3,340 |
| Assets per employee ($millions) | 6.9649% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0553% | 785 |
| Loan loss allowance to noncurrent loans | 26.6171% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 16.0096% | 116 |
| Noncurrent loans to loans | 11.4789% | 328 |
| Net loans and leases to total assets | 72.6811% | 2,230 |
| Net loans and leases to deposits | 80.6516% | 3,493 |
| Net loans and leases to core deposits | 82.5982% | 4,332 |
| Total domestic deposits to total assets | 90.1174% | 862 |
| Equity capital to assets | 8.0932% | 6,662 |
| Core capital (leverage) ratio | 7.1711% | 7,088 |
| Tier 1 risk-based capital ratio | 8.8008% | 7,448 |
| Total risk-based capital ratio | 10.0696% | 7,460 |
| Memoranda: | ||
| Average total assets | $618,161,670 | 1,088 |
| Average earning assets | $551,429,330 | 1,105 |
| Average equity | $51,332,330 | 1,298 |
| Average total loans | $465,136,000 | 984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 5,135 |
| Cost of funding earning assets | 1.7305% | 2,229 |
| Net interest margin | 3.2447% | 6,145 |
| Noninterest income to average assets | 0.5408% | 3,720 |
| Noninterest expense to average assets | 3.0051% | 3,665 |
| Loan and lease loss provision to assets | 1.4481% | 817 |
| Net operating income to assets | -0.4671% | 6,806 |
| Return on assets (ROA) | -0.4671% | 6,837 |
| Pretax return on assets | -1.0002% | 7,049 |
| Return on Equity (ROE) | -5.5566% | 6,912 |
| Retained earnings to average equity (ytd only) | -5.5566% | 6,628 |
| Net charge-offs to loans | 1.3550% | 1,271 |
| Credit loss provision to net charge-offs | 141.7817% | 2,508 |
| Earnings coverage of net charge-offs (x) | 0.4385% | 4,638 |
| Efficiency ratio | 87.0291% | 1,683 |
| Assets per employee ($millions) | 7.2742% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 1,290 |
| Loan loss allowance to noncurrent loans | 24.8594% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 14.1315% | 159 |
| Noncurrent loans to loans | 10.0644% | 417 |
| Net loans and leases to total assets | 71.3357% | 2,608 |
| Net loans and leases to deposits | 80.8742% | 3,482 |
| Net loans and leases to core deposits | 83.1763% | 4,316 |
| Total domestic deposits to total assets | 88.2058% | 1,944 |
| Equity capital to assets | 8.2188% | 6,410 |
| Core capital (leverage) ratio | 8.3640% | 5,618 |
| Tier 1 risk-based capital ratio | 10.2194% | 6,872 |
| Total risk-based capital ratio | 11.4820% | 6,853 |
| Memoranda: | ||
| Average total assets | $624,270,500 | 1,105 |
| Average earning assets | $560,295,000 | 1,114 |
| Average equity | $52,478,500 | 1,279 |
| Average total loans | $470,560,500 | 1,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 4,077 |
| Cost of funding earning assets | 2.3025% | 1,644 |
| Net interest margin | 3.2102% | 6,052 |
| Noninterest income to average assets | 0.4820% | 4,549 |
| Noninterest expense to average assets | 2.1890% | 7,020 |
| Loan and lease loss provision to assets | 1.2125% | 1,895 |
| Net operating income to assets | 0.0731% | 5,287 |
| Return on assets (ROA) | 0.0731% | 5,324 |
| Pretax return on assets | -0.0564% | 5,528 |
| Return on Equity (ROE) | 0.8370% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.8370% | 4,429 |
| Net charge-offs to loans | 1.5680% | 1,606 |
| Credit loss provision to net charge-offs | 96.5795% | 5,752 |
| Earnings coverage of net charge-offs (x) | 0.9209% | 5,194 |
| Efficiency ratio | 65.4391% | 5,501 |
| Assets per employee ($millions) | 6.9964% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2839% | 1,507 |
| Loan loss allowance to noncurrent loans | 23.3987% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 13.1060% | 197 |
| Noncurrent loans to loans | 9.7608% | 432 |
| Net loans and leases to total assets | 75.8772% | 1,832 |
| Net loans and leases to deposits | 87.0523% | 2,728 |
| Net loans and leases to core deposits | 104.6793% | 3,495 |
| Total domestic deposits to total assets | 87.1628% | 2,409 |
| Equity capital to assets | 8.5992% | 5,728 |
| Core capital (leverage) ratio | 8.7259% | 4,882 |
| Tier 1 risk-based capital ratio | 10.1873% | 6,696 |
| Total risk-based capital ratio | 11.4478% | 6,660 |
| Memoranda: | ||
| Average total assets | $603,154,400 | 1,146 |
| Average earning assets | $537,941,600 | 1,175 |
| Average equity | $52,689,000 | 1,253 |
| Average total loans | $482,900,200 | 1,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 4,163 |
| Cost of funding earning assets | 2.4365% | 1,503 |
| Net interest margin | 3.1130% | 6,275 |
| Noninterest income to average assets | 0.4860% | 4,612 |
| Noninterest expense to average assets | 2.1670% | 7,059 |
| Loan and lease loss provision to assets | 1.1050% | 1,768 |
| Net operating income to assets | 0.1189% | 5,409 |
| Return on assets (ROA) | 0.1189% | 5,468 |
| Pretax return on assets | -0.0189% | 5,735 |
| Return on Equity (ROE) | 1.3555% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.3555% | 4,562 |
| Net charge-offs to loans | 1.3966% | 1,477 |
| Credit loss provision to net charge-offs | 98.0674% | 5,213 |
| Earnings coverage of net charge-offs (x) | 0.9639% | 5,098 |
| Efficiency ratio | 66.6120% | 5,265 |
| Assets per employee ($millions) | 6.7034% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,290 |
| Loan loss allowance to noncurrent loans | 22.2485% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 13.8241% | 153 |
| Noncurrent loans to loans | 10.3616% | 375 |
| Net loans and leases to total assets | 77.8300% | 1,604 |
| Net loans and leases to deposits | 90.5197% | 2,473 |
| Net loans and leases to core deposits | 108.4739% | 3,414 |
| Total domestic deposits to total assets | 85.9813% | 2,713 |
| Equity capital to assets | 8.7873% | 5,821 |
| Core capital (leverage) ratio | 8.7941% | 4,988 |
| Tier 1 risk-based capital ratio | 10.1122% | 6,869 |
| Total risk-based capital ratio | 11.3729% | 6,806 |
| Memoranda: | ||
| Average total assets | $600,021,250 | 1,164 |
| Average earning assets | $533,369,000 | 1,202 |
| Average equity | $52,625,250 | 1,277 |
| Average total loans | $484,104,000 | 1,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 4,171 |
| Cost of funding earning assets | 2.5267% | 1,519 |
| Net interest margin | 3.0526% | 6,391 |
| Noninterest income to average assets | 0.4742% | 4,681 |
| Noninterest expense to average assets | 2.0961% | 7,285 |
| Loan and lease loss provision to assets | 1.6606% | 1,004 |
| Net operating income to assets | -0.2084% | 6,203 |
| Return on assets (ROA) | -0.2084% | 6,223 |
| Pretax return on assets | -0.5610% | 6,488 |
| Return on Equity (ROE) | -2.3773% | 6,284 |
| Retained earnings to average equity (ytd only) | -2.3773% | 5,837 |
| Net charge-offs to loans | 2.0908% | 881 |
| Credit loss provision to net charge-offs | 98.0288% | 4,676 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,050 |
| Efficiency ratio | 65.5904% | 5,615 |
| Assets per employee ($millions) | 6.5411% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 1,113 |
| Loan loss allowance to noncurrent loans | 26.5271% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 12.5322% | 159 |
| Noncurrent loans to loans | 8.6296% | 471 |
| Net loans and leases to total assets | 79.4375% | 1,420 |
| Net loans and leases to deposits | 93.2155% | 2,235 |
| Net loans and leases to core deposits | 112.8419% | 3,036 |
| Total domestic deposits to total assets | 85.2192% | 3,151 |
| Equity capital to assets | 8.7025% | 5,747 |
| Core capital (leverage) ratio | 8.4650% | 5,504 |
| Tier 1 risk-based capital ratio | 9.8379% | 7,092 |
| Total risk-based capital ratio | 11.0984% | 7,017 |
| Memoranda: | ||
| Average total assets | $598,927,330 | 1,183 |
| Average earning assets | $533,967,000 | 1,213 |
| Average equity | $52,495,670 | 1,293 |
| Average total loans | $485,261,670 | 1,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 4,725 |
| Cost of funding earning assets | 2.5452% | 1,755 |
| Net interest margin | 2.9897% | 6,509 |
| Noninterest income to average assets | 0.4514% | 4,753 |
| Noninterest expense to average assets | 2.0028% | 7,343 |
| Loan and lease loss provision to assets | 0.5560% | 2,254 |
| Net operating income to assets | 0.4621% | 4,606 |
| Return on assets (ROA) | 0.4621% | 4,784 |
| Pretax return on assets | 0.5666% | 4,857 |
| Return on Equity (ROE) | 5.2533% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.2533% | 2,990 |
| Net charge-offs to loans | 0.8149% | 1,590 |
| Credit loss provision to net charge-offs | 84.3434% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.7030% | 3,877 |
| Efficiency ratio | 64.0818% | 5,674 |
| Assets per employee ($millions) | 6.6177% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 991 |
| Loan loss allowance to noncurrent loans | 27.1757% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 11.4472% | 161 |
| Noncurrent loans to loans | 8.3361% | 418 |
| Net loans and leases to total assets | 78.1103% | 1,798 |
| Net loans and leases to deposits | 94.5285% | 2,188 |
| Net loans and leases to core deposits | 113.7957% | 3,025 |
| Total domestic deposits to total assets | 82.6314% | 4,321 |
| Equity capital to assets | 8.7307% | 5,721 |
| Core capital (leverage) ratio | 8.8139% | 4,958 |
| Tier 1 risk-based capital ratio | 10.0450% | 6,863 |
| Total risk-based capital ratio | 11.3053% | 6,765 |
| Memoranda: | ||
| Average total assets | $600,769,000 | 1,190 |
| Average earning assets | $537,319,500 | 1,207 |
| Average equity | $52,843,000 | 1,286 |
| Average total loans | $485,930,000 | 1,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 3,684 |
| Cost of funding earning assets | 2.8726% | 2,380 |
| Net interest margin | 3.4792% | 5,364 |
| Noninterest income to average assets | 0.3742% | 5,702 |
| Noninterest expense to average assets | 1.8853% | 7,640 |
| Loan and lease loss provision to assets | 1.4523% | 938 |
| Net operating income to assets | 0.7780% | 3,533 |
| Return on assets (ROA) | 0.7985% | 3,277 |
| Pretax return on assets | 0.2491% | 5,629 |
| Return on Equity (ROE) | 9.0329% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.2270% | 1,417 |
| Net charge-offs to loans | 0.9444% | 1,307 |
| Credit loss provision to net charge-offs | 181.0292% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.0952% | 5,024 |
| Efficiency ratio | 52.8667% | 7,398 |
| Assets per employee ($millions) | 6.3732% | 947 |
| Cash dividends to net income (ytd only)* | 31.0628% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3034% | 853 |
| Loan loss allowance to noncurrent loans | 37.8095% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 9.5976% | 187 |
| Noncurrent loans to loans | 6.0922% | 577 |
| Net loans and leases to total assets | 79.9888% | 1,667 |
| Net loans and leases to deposits | 97.1407% | 2,266 |
| Net loans and leases to core deposits | 116.3372% | 3,088 |
| Total domestic deposits to total assets | 82.3433% | 4,063 |
| Equity capital to assets | 8.8629% | 5,547 |
| Core capital (leverage) ratio | 8.9304% | 4,847 |
| Tier 1 risk-based capital ratio | 9.9961% | 6,740 |
| Total risk-based capital ratio | 11.2572% | 6,609 |
| Memoranda: | ||
| Average total assets | $564,430,000 | 1,196 |
| Average earning assets | $517,819,000 | 1,196 |
| Average equity | $49,895,400 | 1,359 |
| Average total loans | $479,470,800 | 1,005 |