Home > Premier Bank, Inc. > Performance and Condition Ratios
Premier Bank, Inc., Performance and Condition Ratios
| 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 | 3.8615% | 1,914 |
| Cost of funding earning assets | 0.1307% | 4,347 |
| Net interest margin | 3.7308% | 1,270 |
| Noninterest income to average assets | 0.2609% | 3,832 |
| Noninterest expense to average assets | 1.9439% | 3,854 |
| Loan and lease loss provision to assets | 0.1594% | 724 |
| Net operating income to assets | 1.2500% | 2,023 |
| Return on assets (ROA) | 1.3135% | 1,893 |
| Pretax return on assets | 1.7069% | 1,463 |
| Return on Equity (ROE) | 10.1797% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.4162% | 4,015 |
| Net charge-offs to loans | 0.2754% | 322 |
| Credit loss provision to net charge-offs | 86.3388% | 1,455 |
| Earnings coverage of net charge-offs (x) | 9.6721% | 1,823 |
| Efficiency ratio | 50.6454% | 4,177 |
| Assets per employee ($millions) | 6.9543% | 1,842 |
| Cash dividends to net income (ytd only)* | 76.2647% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,247 |
| Loan loss allowance to noncurrent loans | 88.6778% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 391 |
| Noncurrent loans to loans | 1.2854% | 917 |
| Net loans and leases to total assets | 65.3574% | 1,780 |
| Net loans and leases to deposits | 78.7935% | 1,548 |
| Net loans and leases to core deposits | 80.9541% | 1,806 |
| Total domestic deposits to total assets | 82.9477% | 3,718 |
| Equity capital to assets | 12.6318% | 1,071 |
| Core capital (leverage) ratio | 10.2900% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,387,551,667 | 729 |
| Average earning assets | $1,290,135,667 | 726 |
| Average equity | $179,042,333 | 609 |
| Average total loans | $930,271,667 | 722 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 1,743 |
| Cost of funding earning assets | 0.1507% | 4,298 |
| Net interest margin | 3.7825% | 1,177 |
| Noninterest income to average assets | 0.3432% | 3,379 |
| Noninterest expense to average assets | 1.9306% | 3,911 |
| Loan and lease loss provision to assets | 0.1539% | 837 |
| Net operating income to assets | 1.3773% | 1,618 |
| Return on assets (ROA) | 1.5058% | 1,377 |
| Pretax return on assets | 1.9333% | 1,062 |
| Return on Equity (ROE) | 11.5444% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.8332% | 3,552 |
| Net charge-offs to loans | 0.0561% | 951 |
| Credit loss provision to net charge-offs | 406.1538% | 649 |
| Earnings coverage of net charge-offs (x) | 50.7769% | 892 |
| Efficiency ratio | 48.6350% | 4,294 |
| Assets per employee ($millions) | 6.6740% | 2,026 |
| Cash dividends to net income (ytd only)* | 66.7957% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,995 |
| Loan loss allowance to noncurrent loans | 95.0869% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 403 |
| Noncurrent loans to loans | 1.2480% | 1,046 |
| Net loans and leases to total assets | 67.2432% | 1,630 |
| Net loans and leases to deposits | 80.0930% | 1,513 |
| Net loans and leases to core deposits | 82.4819% | 1,805 |
| Total domestic deposits to total assets | 83.9564% | 3,452 |
| Equity capital to assets | 12.8067% | 968 |
| Core capital (leverage) ratio | 10.6744% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,371,985,500 | 732 |
| Average earning assets | $1,273,879,000 | 726 |
| Average equity | $178,960,500 | 599 |
| Average total loans | $926,454,500 | 720 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,165 |
| Cost of funding earning assets | 0.3605% | 3,816 |
| Net interest margin | 4.2052% | 629 |
| Noninterest income to average assets | 0.3792% | 3,215 |
| Noninterest expense to average assets | 2.1697% | 3,757 |
| Loan and lease loss provision to assets | 0.2349% | 1,657 |
| Net operating income to assets | 1.4359% | 940 |
| Return on assets (ROA) | 1.4359% | 1,026 |
| Pretax return on assets | 1.8538% | 606 |
| Return on Equity (ROE) | 10.3061% | 1,885 |
| Retained earnings to average equity (ytd only) | 1.3423% | 4,093 |
| Net charge-offs to loans | 0.3668% | 474 |
| Credit loss provision to net charge-offs | 90.4447% | 2,932 |
| Earnings coverage of net charge-offs (x) | 8.0403% | 2,641 |
| Efficiency ratio | 49.4730% | 4,566 |
| Assets per employee ($millions) | 6.3637% | 2,034 |
| Cash dividends to net income (ytd only)* | 86.9754% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,931 |
| Loan loss allowance to noncurrent loans | 110.4717% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 518 |
| Noncurrent loans to loans | 1.0884% | 1,300 |
| Net loans and leases to total assets | 66.1792% | 2,080 |
| Net loans and leases to deposits | 78.0439% | 2,066 |
| Net loans and leases to core deposits | 80.5287% | 2,314 |
| Total domestic deposits to total assets | 84.7974% | 2,844 |
| Equity capital to assets | 13.2892% | 1,004 |
| Core capital (leverage) ratio | 10.7098% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,281,125,800 | 710 |
| Average earning assets | $1,181,811,800 | 713 |
| Average equity | $178,495,600 | 566 |
| Average total loans | $907,301,600 | 704 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,283 |
| Cost of funding earning assets | 0.4036% | 3,793 |
| Net interest margin | 4.2048% | 721 |
| Noninterest income to average assets | 0.3717% | 3,228 |
| Noninterest expense to average assets | 2.1999% | 3,679 |
| Loan and lease loss provision to assets | 0.2130% | 1,892 |
| Net operating income to assets | 1.4191% | 1,060 |
| Return on assets (ROA) | 1.4191% | 1,148 |
| Pretax return on assets | 1.8325% | 740 |
| Return on Equity (ROE) | 10.0616% | 1,998 |
| Retained earnings to average equity (ytd only) | 2.5836% | 3,695 |
| Net charge-offs to loans | 0.4413% | 359 |
| Credit loss provision to net charge-offs | 67.1989% | 2,824 |
| Earnings coverage of net charge-offs (x) | 6.4518% | 2,647 |
| Efficiency ratio | 50.2981% | 4,471 |
| Assets per employee ($millions) | 6.0147% | 2,252 |
| Cash dividends to net income (ytd only)* | 74.3218% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,298 |
| Loan loss allowance to noncurrent loans | 112.0044% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 602 |
| Noncurrent loans to loans | 0.9653% | 1,559 |
| Net loans and leases to total assets | 71.1574% | 1,793 |
| Net loans and leases to deposits | 84.1660% | 1,893 |
| Net loans and leases to core deposits | 87.0766% | 2,227 |
| Total domestic deposits to total assets | 84.5442% | 2,609 |
| Equity capital to assets | 13.7543% | 922 |
| Core capital (leverage) ratio | 10.7933% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,264,129,000 | 708 |
| Average earning assets | $1,164,609,000 | 711 |
| Average equity | $178,298,000 | 555 |
| Average total loans | $908,202,500 | 701 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,491 |
| Cost of funding earning assets | 0.4406% | 3,841 |
| Net interest margin | 4.2246% | 867 |
| Noninterest income to average assets | 0.3547% | 3,351 |
| Noninterest expense to average assets | 2.1864% | 3,830 |
| Loan and lease loss provision to assets | 0.2131% | 1,947 |
| Net operating income to assets | 1.4376% | 1,042 |
| Return on assets (ROA) | 1.4376% | 1,129 |
| Pretax return on assets | 1.8444% | 750 |
| Return on Equity (ROE) | 10.1050% | 1,949 |
| Retained earnings to average equity (ytd only) | 2.7858% | 3,465 |
| Net charge-offs to loans | 0.1466% | 986 |
| Credit loss provision to net charge-offs | 202.4353% | 1,903 |
| Earnings coverage of net charge-offs (x) | 19.5479% | 1,715 |
| Efficiency ratio | 49.9792% | 4,507 |
| Assets per employee ($millions) | 5.8229% | 2,347 |
| Cash dividends to net income (ytd only)* | 72.4315% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,173 |
| Loan loss allowance to noncurrent loans | 88.4125% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6520% | 521 |
| Noncurrent loans to loans | 1.4312% | 1,076 |
| Net loans and leases to total assets | 69.6852% | 2,079 |
| Net loans and leases to deposits | 82.5283% | 2,149 |
| Net loans and leases to core deposits | 85.5452% | 2,480 |
| Total domestic deposits to total assets | 84.4379% | 2,583 |
| Equity capital to assets | 13.5651% | 968 |
| Core capital (leverage) ratio | 10.9681% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,248,436,000 | 698 |
| Average earning assets | $1,149,306,000 | 705 |
| Average equity | $177,614,667 | 550 |
| Average total loans | $896,530,000 | 697 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,345 |
| Cost of funding earning assets | 0.5043% | 3,923 |
| Net interest margin | 4.3268% | 723 |
| Noninterest income to average assets | 0.4421% | 2,834 |
| Noninterest expense to average assets | 2.3053% | 3,761 |
| Loan and lease loss provision to assets | 0.3110% | 996 |
| Net operating income to assets | 1.4007% | 975 |
| Return on assets (ROA) | 1.4007% | 1,056 |
| Pretax return on assets | 1.7978% | 702 |
| Return on Equity (ROE) | 9.6000% | 1,875 |
| Retained earnings to average equity (ytd only) | 2.7963% | 3,159 |
| Net charge-offs to loans | 0.2798% | 529 |
| Credit loss provision to net charge-offs | 153.3442% | 1,576 |
| Earnings coverage of net charge-offs (x) | 10.3964% | 1,766 |
| Efficiency ratio | 50.6897% | 4,625 |
| Assets per employee ($millions) | 5.2948% | 2,329 |
| Cash dividends to net income (ytd only)* | 70.8717% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,074 |
| Loan loss allowance to noncurrent loans | 84.5278% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 464 |
| Noncurrent loans to loans | 1.5558% | 1,006 |
| Net loans and leases to total assets | 72.1850% | 1,894 |
| Net loans and leases to deposits | 86.7085% | 1,909 |
| Net loans and leases to core deposits | 91.3061% | 2,223 |
| Total domestic deposits to total assets | 83.2503% | 3,027 |
| Equity capital to assets | 14.8783% | 782 |
| Core capital (leverage) ratio | 11.6591% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,208,840,500 | 686 |
| Average earning assets | $1,109,735,500 | 690 |
| Average equity | $176,375,000 | 554 |
| Average total loans | $876,286,500 | 687 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 1,392 |
| Cost of funding earning assets | 0.5502% | 3,873 |
| Net interest margin | 4.4813% | 741 |
| Noninterest income to average assets | 0.4238% | 3,152 |
| Noninterest expense to average assets | 2.2642% | 4,036 |
| Loan and lease loss provision to assets | 0.1161% | 1,818 |
| Net operating income to assets | 1.6595% | 725 |
| Return on assets (ROA) | 1.6595% | 773 |
| Pretax return on assets | 2.1553% | 422 |
| Return on Equity (ROE) | 11.8378% | 1,574 |
| Retained earnings to average equity (ytd only) | 1.4173% | 4,236 |
| Net charge-offs to loans | 0.1289% | 1,477 |
| Credit loss provision to net charge-offs | 127.5556% | 1,998 |
| Earnings coverage of net charge-offs (x) | 24.9484% | 1,755 |
| Efficiency ratio | 48.3415% | 4,815 |
| Assets per employee ($millions) | 5.3090% | 2,238 |
| Cash dividends to net income (ytd only)* | 88.0273% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,044 |
| Loan loss allowance to noncurrent loans | 75.1259% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 416 |
| Noncurrent loans to loans | 1.6969% | 812 |
| Net loans and leases to total assets | 70.9299% | 2,262 |
| Net loans and leases to deposits | 84.8540% | 2,230 |
| Net loans and leases to core deposits | 89.5847% | 2,459 |
| Total domestic deposits to total assets | 83.5906% | 2,999 |
| Equity capital to assets | 14.3083% | 997 |
| Core capital (leverage) ratio | 11.3131% | 2,237 |
| Tier 1 risk-based capital ratio | 14.5758% | 2,974 |
| Total risk-based capital ratio | 15.7959% | 2,902 |
| Memoranda: | ||
| Average total assets | $1,235,644,600 | 644 |
| Average earning assets | $1,133,771,400 | 641 |
| Average equity | $173,215,600 | 532 |
| Average total loans | $872,840,800 | 661 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 1,348 |
| Cost of funding earning assets | 0.5516% | 3,918 |
| Net interest margin | 4.5210% | 737 |
| Noninterest income to average assets | 0.4411% | 3,073 |
| Noninterest expense to average assets | 2.2780% | 4,012 |
| Loan and lease loss provision to assets | 0.1420% | 1,356 |
| Net operating income to assets | 1.6730% | 783 |
| Return on assets (ROA) | 1.6730% | 830 |
| Pretax return on assets | 2.1675% | 480 |
| Return on Equity (ROE) | 11.9953% | 1,621 |
| Retained earnings to average equity (ytd only) | 3.0470% | 3,871 |
| Net charge-offs to loans | 0.1496% | 1,090 |
| Credit loss provision to net charge-offs | 134.9693% | 1,770 |
| Earnings coverage of net charge-offs (x) | 21.9499% | 1,888 |
| Efficiency ratio | 48.0805% | 4,851 |
| Assets per employee ($millions) | 5.2028% | 2,337 |
| Cash dividends to net income (ytd only)* | 74.5981% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 1,980 |
| Loan loss allowance to noncurrent loans | 76.9273% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9994% | 439 |
| Noncurrent loans to loans | 1.6855% | 868 |
| Net loans and leases to total assets | 69.5376% | 2,544 |
| Net loans and leases to deposits | 83.3312% | 2,525 |
| Net loans and leases to core deposits | 87.9075% | 2,743 |
| Total domestic deposits to total assets | 83.4473% | 3,009 |
| Equity capital to assets | 14.3754% | 1,015 |
| Core capital (leverage) ratio | 11.3144% | 2,367 |
| Tier 1 risk-based capital ratio | 14.9121% | 2,896 |
| Total risk-based capital ratio | 16.1505% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,239,290,750 | 642 |
| Average earning assets | $1,136,617,500 | 634 |
| Average equity | $172,841,250 | 537 |
| Average total loans | $871,730,750 | 665 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 1,407 |
| Cost of funding earning assets | 0.5336% | 3,962 |
| Net interest margin | 4.4929% | 782 |
| Noninterest income to average assets | 0.4223% | 3,119 |
| Noninterest expense to average assets | 2.2743% | 4,075 |
| Loan and lease loss provision to assets | 0.1376% | 1,345 |
| Net operating income to assets | 1.6489% | 810 |
| Return on assets (ROA) | 1.6489% | 846 |
| Pretax return on assets | 2.1356% | 510 |
| Return on Equity (ROE) | 11.9439% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.2036% | 3,625 |
| Net charge-offs to loans | 0.1577% | 1,000 |
| Credit loss provision to net charge-offs | 124.0929% | 1,706 |
| Earnings coverage of net charge-offs (x) | 20.5065% | 1,768 |
| Efficiency ratio | 48.4203% | 4,871 |
| Assets per employee ($millions) | 5.2705% | 2,179 |
| Cash dividends to net income (ytd only)* | 73.1779% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,185 |
| Loan loss allowance to noncurrent loans | 63.8778% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 369 |
| Noncurrent loans to loans | 1.9744% | 731 |
| Net loans and leases to total assets | 70.3829% | 2,477 |
| Net loans and leases to deposits | 84.1173% | 2,485 |
| Net loans and leases to core deposits | 89.0327% | 2,692 |
| Total domestic deposits to total assets | 83.6723% | 2,987 |
| Equity capital to assets | 14.2529% | 1,029 |
| Core capital (leverage) ratio | 11.0364% | 2,565 |
| Tier 1 risk-based capital ratio | 14.4047% | 3,115 |
| Total risk-based capital ratio | 15.5943% | 3,066 |
| Memoranda: | ||
| Average total assets | $1,243,102,330 | 639 |
| Average earning assets | $1,141,353,670 | 636 |
| Average equity | $171,618,670 | 539 |
| Average total loans | $873,961,670 | 664 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 1,309 |
| Cost of funding earning assets | 0.5101% | 4,015 |
| Net interest margin | 4.5035% | 739 |
| Noninterest income to average assets | 0.4535% | 2,837 |
| Noninterest expense to average assets | 2.2462% | 4,157 |
| Loan and lease loss provision to assets | 0.1487% | 1,137 |
| Net operating income to assets | 1.7188% | 703 |
| Return on assets (ROA) | 1.7188% | 729 |
| Pretax return on assets | 2.2008% | 451 |
| Return on Equity (ROE) | 12.6512% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.4700% | 3,526 |
| Net charge-offs to loans | 0.3110% | 481 |
| Credit loss provision to net charge-offs | 68.4831% | 1,863 |
| Earnings coverage of net charge-offs (x) | 10.8189% | 1,942 |
| Efficiency ratio | 47.2963% | 4,971 |
| Assets per employee ($millions) | 5.5108% | 1,975 |
| Cash dividends to net income (ytd only)* | 72.5716% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,487 |
| Loan loss allowance to noncurrent loans | 57.9285% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.2743% | 378 |
| Noncurrent loans to loans | 2.1025% | 698 |
| Net loans and leases to total assets | 68.5117% | 2,691 |
| Net loans and leases to deposits | 81.4072% | 2,680 |
| Net loans and leases to core deposits | 85.9957% | 2,869 |
| Total domestic deposits to total assets | 84.1592% | 2,989 |
| Equity capital to assets | 13.6280% | 1,164 |
| Core capital (leverage) ratio | 11.0603% | 2,517 |
| Tier 1 risk-based capital ratio | 14.2341% | 3,227 |
| Total risk-based capital ratio | 15.3816% | 3,200 |
| Memoranda: | ||
| Average total assets | $1,250,635,000 | 640 |
| Average earning assets | $1,150,296,500 | 639 |
| Average equity | $169,912,500 | 539 |
| Average total loans | $873,258,500 | 663 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,758 |
| Cost of funding earning assets | 0.3846% | 4,083 |
| Net interest margin | 4.3364% | 1,077 |
| Noninterest income to average assets | 0.5706% | 2,446 |
| Noninterest expense to average assets | 2.4267% | 3,810 |
| Loan and lease loss provision to assets | 0.1605% | 1,278 |
| Net operating income to assets | 1.5270% | 1,050 |
| Return on assets (ROA) | 1.5270% | 1,033 |
| Pretax return on assets | 1.9869% | 577 |
| Return on Equity (ROE) | 11.8254% | 1,775 |
| Retained earnings to average equity (ytd only) | 2.1538% | 4,293 |
| Net charge-offs to loans | 0.0539% | 2,377 |
| Credit loss provision to net charge-offs | 424.1706% | 790 |
| Earnings coverage of net charge-offs (x) | 56.7393% | 1,057 |
| Efficiency ratio | 51.8450% | 4,809 |
| Assets per employee ($millions) | 5.2962% | 2,150 |
| Cash dividends to net income (ytd only)* | 81.7867% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,308 |
| Loan loss allowance to noncurrent loans | 63.0450% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 402 |
| Noncurrent loans to loans | 1.9797% | 687 |
| Net loans and leases to total assets | 69.4252% | 2,670 |
| Net loans and leases to deposits | 81.9306% | 2,742 |
| Net loans and leases to core deposits | 86.7331% | 2,864 |
| Total domestic deposits to total assets | 84.7366% | 2,756 |
| Equity capital to assets | 13.5435% | 1,127 |
| Core capital (leverage) ratio | 10.7863% | 2,748 |
| Tier 1 risk-based capital ratio | 14.2311% | 3,191 |
| Total risk-based capital ratio | 15.4176% | 3,145 |
| Memoranda: | ||
| Average total assets | $1,114,997,000 | 692 |
| Average earning assets | $1,029,418,200 | 685 |
| Average equity | $143,978,800 | 604 |
| Average total loans | $782,942,800 | 714 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 1,829 |
| Cost of funding earning assets | 0.3352% | 4,276 |
| Net interest margin | 4.3159% | 1,084 |
| Noninterest income to average assets | 0.6318% | 2,156 |
| Noninterest expense to average assets | 2.4690% | 3,680 |
| Loan and lease loss provision to assets | 0.1864% | 966 |
| Net operating income to assets | 1.5056% | 1,179 |
| Return on assets (ROA) | 1.5056% | 1,174 |
| Pretax return on assets | 1.9623% | 688 |
| Return on Equity (ROE) | 11.8247% | 1,866 |
| Retained earnings to average equity (ytd only) | 3.2025% | 4,141 |
| Net charge-offs to loans | 0.0612% | 1,947 |
| Credit loss provision to net charge-offs | 434.0974% | 780 |
| Earnings coverage of net charge-offs (x) | 50.0517% | 1,173 |
| Efficiency ratio | 52.3681% | 4,773 |
| Assets per employee ($millions) | 4.9835% | 2,487 |
| Cash dividends to net income (ytd only)* | 72.9167% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,687 |
| Loan loss allowance to noncurrent loans | 63.8889% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4695% | 354 |
| Noncurrent loans to loans | 2.1953% | 644 |
| Net loans and leases to total assets | 68.1182% | 2,915 |
| Net loans and leases to deposits | 79.1524% | 3,127 |
| Net loans and leases to core deposits | 82.2912% | 3,303 |
| Total domestic deposits to total assets | 86.0596% | 2,160 |
| Equity capital to assets | 12.5658% | 1,543 |
| Core capital (leverage) ratio | 11.0879% | 2,497 |
| Tier 1 risk-based capital ratio | 14.8251% | 2,958 |
| Total risk-based capital ratio | 16.0763% | 2,877 |
| Memoranda: | ||
| Average total assets | $1,083,919,500 | 707 |
| Average earning assets | $1,001,049,750 | 704 |
| Average equity | $138,012,250 | 619 |
| Average total loans | $760,862,250 | 729 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 1,532 |
| Cost of funding earning assets | 0.3177% | 4,287 |
| Net interest margin | 4.3719% | 902 |
| Noninterest income to average assets | 0.6719% | 1,997 |
| Noninterest expense to average assets | 2.5057% | 3,619 |
| Loan and lease loss provision to assets | 0.2439% | 637 |
| Net operating income to assets | 1.4986% | 1,168 |
| Return on assets (ROA) | 1.4986% | 1,160 |
| Pretax return on assets | 1.9508% | 684 |
| Return on Equity (ROE) | 11.7170% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.9053% | 4,089 |
| Net charge-offs to loans | 0.1730% | 901 |
| Credit loss provision to net charge-offs | 199.8480% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.9802% | 1,929 |
| Efficiency ratio | 52.2141% | 4,868 |
| Assets per employee ($millions) | 4.7498% | 2,746 |
| Cash dividends to net income (ytd only)* | 75.2043% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,918 |
| Loan loss allowance to noncurrent loans | 58.7355% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 335 |
| Noncurrent loans to loans | 2.3088% | 588 |
| Net loans and leases to total assets | 68.5651% | 2,781 |
| Net loans and leases to deposits | 79.5891% | 2,994 |
| Net loans and leases to core deposits | 82.8706% | 3,169 |
| Total domestic deposits to total assets | 86.1489% | 2,213 |
| Equity capital to assets | 12.7830% | 1,404 |
| Core capital (leverage) ratio | 11.0229% | 2,502 |
| Tier 1 risk-based capital ratio | 14.9608% | 2,895 |
| Total risk-based capital ratio | 16.2116% | 2,815 |
| Memoranda: | ||
| Average total assets | $1,078,108,000 | 712 |
| Average earning assets | $993,439,000 | 710 |
| Average equity | $137,885,000 | 621 |
| Average total loans | $760,851,330 | 729 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 1,186 |
| Cost of funding earning assets | 0.2967% | 4,378 |
| Net interest margin | 4.4550% | 674 |
| Noninterest income to average assets | 0.8901% | 1,174 |
| Noninterest expense to average assets | 2.4774% | 3,722 |
| Loan and lease loss provision to assets | 0.3581% | 335 |
| Net operating income to assets | 1.6645% | 745 |
| Return on assets (ROA) | 1.6645% | 748 |
| Pretax return on assets | 2.1442% | 422 |
| Return on Equity (ROE) | 13.0110% | 1,259 |
| Retained earnings to average equity (ytd only) | 4.3824% | 3,436 |
| Net charge-offs to loans | 0.1852% | 791 |
| Credit loss provision to net charge-offs | 271.8310% | 878 |
| Earnings coverage of net charge-offs (x) | 18.9972% | 1,519 |
| Efficiency ratio | 48.6998% | 5,163 |
| Assets per employee ($millions) | 4.7679% | 2,769 |
| Cash dividends to net income (ytd only)* | 66.3174% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 2,060 |
| Loan loss allowance to noncurrent loans | 74.8945% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 479 |
| Noncurrent loans to loans | 1.7883% | 942 |
| Net loans and leases to total assets | 68.2481% | 2,737 |
| Net loans and leases to deposits | 79.4118% | 2,876 |
| Net loans and leases to core deposits | 82.7564% | 3,086 |
| Total domestic deposits to total assets | 85.9420% | 2,566 |
| Equity capital to assets | 12.6273% | 1,416 |
| Core capital (leverage) ratio | 11.0816% | 2,347 |
| Tier 1 risk-based capital ratio | 14.9292% | 2,896 |
| Total risk-based capital ratio | 16.1799% | 2,832 |
| Memoranda: | ||
| Average total assets | $1,078,057,500 | 709 |
| Average earning assets | $989,631,500 | 715 |
| Average equity | $137,914,000 | 625 |
| Average total loans | $766,558,000 | 722 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 1,124 |
| Cost of funding earning assets | 0.2856% | 4,270 |
| Net interest margin | 4.4444% | 690 |
| Noninterest income to average assets | 0.4503% | 3,311 |
| Noninterest expense to average assets | 2.5129% | 3,740 |
| Loan and lease loss provision to assets | 0.2088% | 957 |
| Net operating income to assets | 1.1317% | 1,750 |
| Return on assets (ROA) | 1.1317% | 1,779 |
| Pretax return on assets | 1.7608% | 875 |
| Return on Equity (ROE) | 8.8608% | 2,375 |
| Retained earnings to average equity (ytd only) | 2.2537% | 3,967 |
| Net charge-offs to loans | 0.1374% | 1,691 |
| Credit loss provision to net charge-offs | 212.2275% | 1,286 |
| Earnings coverage of net charge-offs (x) | 20.0218% | 1,990 |
| Efficiency ratio | 54.4829% | 4,912 |
| Assets per employee ($millions) | 4.6272% | 2,985 |
| Cash dividends to net income (ytd only)* | 74.5654% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,652 |
| Loan loss allowance to noncurrent loans | 58.6247% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 3.0320% | 262 |
| Noncurrent loans to loans | 2.0846% | 720 |
| Net loans and leases to total assets | 72.1932% | 2,200 |
| Net loans and leases to deposits | 84.0085% | 2,487 |
| Net loans and leases to core deposits | 87.8464% | 2,738 |
| Total domestic deposits to total assets | 85.9355% | 2,471 |
| Equity capital to assets | 12.9627% | 1,283 |
| Core capital (leverage) ratio | 10.9509% | 2,384 |
| Tier 1 risk-based capital ratio | 14.1758% | 3,271 |
| Total risk-based capital ratio | 15.3585% | 3,204 |
| Memoranda: | ||
| Average total assets | $1,072,443,800 | 690 |
| Average earning assets | $972,983,200 | 698 |
| Average equity | $136,973,800 | 598 |
| Average total loans | $767,641,400 | 684 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,041 |
| Cost of funding earning assets | 0.2780% | 4,342 |
| Net interest margin | 4.4676% | 642 |
| Noninterest income to average assets | 0.4415% | 3,391 |
| Noninterest expense to average assets | 2.5309% | 3,622 |
| Loan and lease loss provision to assets | 0.2200% | 844 |
| Net operating income to assets | 1.1177% | 2,002 |
| Return on assets (ROA) | 1.1177% | 2,068 |
| Pretax return on assets | 1.7471% | 1,013 |
| Return on Equity (ROE) | 8.7832% | 2,734 |
| Retained earnings to average equity (ytd only) | 2.2497% | 4,515 |
| Net charge-offs to loans | 0.1028% | 1,759 |
| Credit loss provision to net charge-offs | 300.5085% | 978 |
| Earnings coverage of net charge-offs (x) | 26.8694% | 1,661 |
| Efficiency ratio | 54.5919% | 4,893 |
| Assets per employee ($millions) | 4.5363% | 3,082 |
| Cash dividends to net income (ytd only)* | 74.3866% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,862 |
| Loan loss allowance to noncurrent loans | 46.6709% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.9358% | 312 |
| Noncurrent loans to loans | 2.5962% | 562 |
| Net loans and leases to total assets | 73.0064% | 2,099 |
| Net loans and leases to deposits | 84.9987% | 2,435 |
| Net loans and leases to core deposits | 88.9834% | 2,693 |
| Total domestic deposits to total assets | 85.8912% | 2,351 |
| Equity capital to assets | 13.0337% | 1,372 |
| Core capital (leverage) ratio | 11.0940% | 2,377 |
| Tier 1 risk-based capital ratio | 14.2251% | 3,339 |
| Total risk-based capital ratio | 15.4020% | 3,278 |
| Memoranda: | ||
| Average total assets | $1,074,488,750 | 693 |
| Average earning assets | $975,613,000 | 700 |
| Average equity | $136,728,000 | 599 |
| Average total loans | $765,093,750 | 688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 835 |
| Cost of funding earning assets | 0.2797% | 4,295 |
| Net interest margin | 4.5375% | 526 |
| Noninterest income to average assets | 0.4201% | 3,565 |
| Noninterest expense to average assets | 2.5300% | 3,660 |
| Loan and lease loss provision to assets | 0.1913% | 971 |
| Net operating income to assets | 1.1629% | 1,724 |
| Return on assets (ROA) | 1.1629% | 1,766 |
| Pretax return on assets | 1.8198% | 798 |
| Return on Equity (ROE) | 9.2124% | 2,405 |
| Retained earnings to average equity (ytd only) | 2.0898% | 4,416 |
| Net charge-offs to loans | 0.1102% | 1,528 |
| Credit loss provision to net charge-offs | 246.8900% | 1,092 |
| Earnings coverage of net charge-offs (x) | 25.9522% | 1,589 |
| Efficiency ratio | 54.0437% | 5,015 |
| Assets per employee ($millions) | 4.9324% | 2,474 |
| Cash dividends to net income (ytd only)* | 77.3155% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,192 |
| Loan loss allowance to noncurrent loans | 52.5153% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.6110% | 397 |
| Noncurrent loans to loans | 2.2291% | 722 |
| Net loans and leases to total assets | 70.4841% | 2,445 |
| Net loans and leases to deposits | 81.5565% | 2,740 |
| Net loans and leases to core deposits | 85.1732% | 2,957 |
| Total domestic deposits to total assets | 86.4237% | 2,186 |
| Equity capital to assets | 12.8459% | 1,447 |
| Core capital (leverage) ratio | 10.8262% | 2,578 |
| Tier 1 risk-based capital ratio | 14.4923% | 3,170 |
| Total risk-based capital ratio | 15.6293% | 3,153 |
| Memoranda: | ||
| Average total assets | $1,078,821,000 | 695 |
| Average earning assets | $979,780,670 | 698 |
| Average equity | $136,186,670 | 602 |
| Average total loans | $758,637,670 | 696 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 1,254 |
| Cost of funding earning assets | 0.2812% | 4,243 |
| Net interest margin | 4.2703% | 850 |
| Noninterest income to average assets | 0.4587% | 3,267 |
| Noninterest expense to average assets | 2.5010% | 3,802 |
| Loan and lease loss provision to assets | 0.0798% | 2,215 |
| Net operating income to assets | 1.1394% | 1,712 |
| Return on assets (ROA) | 1.1394% | 1,749 |
| Pretax return on assets | 1.7583% | 886 |
| Return on Equity (ROE) | 9.1048% | 2,360 |
| Retained earnings to average equity (ytd only) | 2.7595% | 4,028 |
| Net charge-offs to loans | 0.1185% | 1,220 |
| Credit loss provision to net charge-offs | 96.4286% | 1,641 |
| Earnings coverage of net charge-offs (x) | 22.2188% | 1,424 |
| Efficiency ratio | 55.8431% | 4,952 |
| Assets per employee ($millions) | 4.4686% | 3,218 |
| Cash dividends to net income (ytd only)* | 69.6921% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,786 |
| Loan loss allowance to noncurrent loans | 49.0878% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6340% | 415 |
| Noncurrent loans to loans | 2.2141% | 760 |
| Net loans and leases to total assets | 69.3955% | 2,479 |
| Net loans and leases to deposits | 80.2468% | 2,716 |
| Net loans and leases to core deposits | 83.9421% | 2,904 |
| Total domestic deposits to total assets | 86.4775% | 2,456 |
| Equity capital to assets | 12.5122% | 1,524 |
| Core capital (leverage) ratio | 10.8431% | 2,549 |
| Tier 1 risk-based capital ratio | 14.3620% | 3,278 |
| Total risk-based capital ratio | 15.4158% | 3,296 |
| Memoranda: | ||
| Average total assets | $1,083,069,000 | 695 |
| Average earning assets | $984,200,000 | 698 |
| Average equity | $135,533,500 | 597 |
| Average total loans | $756,284,000 | 702 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 1,412 |
| Cost of funding earning assets | 0.3235% | 3,808 |
| Net interest margin | 4.2224% | 1,068 |
| Noninterest income to average assets | 0.4473% | 3,565 |
| Noninterest expense to average assets | 2.7437% | 3,213 |
| Loan and lease loss provision to assets | 0.1158% | 2,138 |
| Net operating income to assets | 0.9134% | 2,756 |
| Return on assets (ROA) | 0.9137% | 2,861 |
| Pretax return on assets | 1.4236% | 1,846 |
| Return on Equity (ROE) | 7.3258% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.6288% | 4,605 |
| Net charge-offs to loans | 0.0277% | 3,476 |
| Credit loss provision to net charge-offs | 604.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 80.3050% | 712 |
| Efficiency ratio | 61.9994% | 4,251 |
| Assets per employee ($millions) | 4.5392% | 3,058 |
| Cash dividends to net income (ytd only)* | 77.7661% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,631 |
| Loan loss allowance to noncurrent loans | 36.1229% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 3.2530% | 278 |
| Noncurrent loans to loans | 3.0816% | 434 |
| Net loans and leases to total assets | 68.7197% | 2,663 |
| Net loans and leases to deposits | 79.4666% | 2,946 |
| Net loans and leases to core deposits | 83.2226% | 3,108 |
| Total domestic deposits to total assets | 86.4763% | 2,382 |
| Equity capital to assets | 12.5155% | 1,519 |
| Core capital (leverage) ratio | 10.5825% | 2,793 |
| Tier 1 risk-based capital ratio | 14.2269% | 3,332 |
| Total risk-based capital ratio | 15.2884% | 3,356 |
| Memoranda: | ||
| Average total assets | $1,043,596,800 | 690 |
| Average earning assets | $947,944,400 | 693 |
| Average equity | $130,156,400 | 614 |
| Average total loans | $721,387,800 | 702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 1,309 |
| Cost of funding earning assets | 0.3294% | 3,783 |
| Net interest margin | 4.2631% | 998 |
| Noninterest income to average assets | 0.4531% | 3,540 |
| Noninterest expense to average assets | 2.8149% | 2,953 |
| Loan and lease loss provision to assets | 0.1327% | 1,766 |
| Net operating income to assets | 0.8923% | 2,947 |
| Return on assets (ROA) | 0.8926% | 3,074 |
| Pretax return on assets | 1.3796% | 2,129 |
| Return on Equity (ROE) | 7.1638% | 3,472 |
| Retained earnings to average equity (ytd only) | 1.6099% | 4,866 |
| Net charge-offs to loans | 0.0183% | 3,350 |
| Credit loss provision to net charge-offs | 1,052.0408% | 385 |
| Earnings coverage of net charge-offs (x) | 119.8195% | 576 |
| Efficiency ratio | 62.9757% | 4,078 |
| Assets per employee ($millions) | 4.6146% | 2,905 |
| Cash dividends to net income (ytd only)* | 77.5278% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,927 |
| Loan loss allowance to noncurrent loans | 57.4424% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.3803% | 591 |
| Noncurrent loans to loans | 1.8857% | 1,069 |
| Net loans and leases to total assets | 68.8608% | 2,666 |
| Net loans and leases to deposits | 80.0743% | 2,952 |
| Net loans and leases to core deposits | 83.8947% | 3,132 |
| Total domestic deposits to total assets | 85.9962% | 2,350 |
| Equity capital to assets | 12.5457% | 1,749 |
| Core capital (leverage) ratio | 10.2907% | 3,235 |
| Tier 1 risk-based capital ratio | 13.9813% | 3,566 |
| Total risk-based capital ratio | 15.0215% | 3,613 |
| Memoranda: | ||
| Average total assets | $1,035,548,500 | 697 |
| Average earning assets | $940,951,250 | 701 |
| Average equity | $129,035,250 | 622 |
| Average total loans | $714,834,250 | 705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 1,170 |
| Cost of funding earning assets | 0.3413% | 3,666 |
| Net interest margin | 4.3070% | 910 |
| Noninterest income to average assets | 0.4895% | 3,269 |
| Noninterest expense to average assets | 2.9046% | 2,660 |
| Loan and lease loss provision to assets | 0.1681% | 1,327 |
| Net operating income to assets | 0.8590% | 3,053 |
| Return on assets (ROA) | 0.8595% | 3,177 |
| Pretax return on assets | 1.3297% | 2,289 |
| Return on Equity (ROE) | 6.9147% | 3,596 |
| Retained earnings to average equity (ytd only) | 1.2936% | 4,872 |
| Net charge-offs to loans | -0.0157% | 4,853 |
| Credit loss provision to net charge-offs | -1,552.7273% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8571% | 4,046 |
| Assets per employee ($millions) | 4.2612% | 3,448 |
| Cash dividends to net income (ytd only)* | 81.2915% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 4,017 |
| Loan loss allowance to noncurrent loans | 74.9590% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.1111% | 757 |
| Noncurrent loans to loans | 1.4503% | 1,527 |
| Net loans and leases to total assets | 68.3176% | 2,739 |
| Net loans and leases to deposits | 79.5501% | 2,995 |
| Net loans and leases to core deposits | 83.2814% | 3,141 |
| Total domestic deposits to total assets | 85.8800% | 2,475 |
| Equity capital to assets | 12.4645% | 1,796 |
| Core capital (leverage) ratio | 10.3008% | 3,198 |
| Tier 1 risk-based capital ratio | 14.0418% | 3,583 |
| Total risk-based capital ratio | 15.0917% | 3,617 |
| Memoranda: | ||
| Average total assets | $1,016,179,670 | 710 |
| Average earning assets | $923,017,000 | 714 |
| Average equity | $126,311,330 | 637 |
| Average total loans | $699,330,000 | 719 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 936 |
| Cost of funding earning assets | 0.3512% | 3,589 |
| Net interest margin | 4.4036% | 737 |
| Noninterest income to average assets | 0.4939% | 3,164 |
| Noninterest expense to average assets | 2.9188% | 2,638 |
| Loan and lease loss provision to assets | 0.0725% | 2,510 |
| Net operating income to assets | 0.9908% | 2,322 |
| Return on assets (ROA) | 0.9919% | 2,431 |
| Pretax return on assets | 1.5046% | 1,569 |
| Return on Equity (ROE) | 7.9923% | 2,916 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,437 |
| Net charge-offs to loans | 0.0167% | 2,602 |
| Credit loss provision to net charge-offs | 632.1429% | 507 |
| Earnings coverage of net charge-offs (x) | 137.3929% | 430 |
| Efficiency ratio | 62.9944% | 4,301 |
| Assets per employee ($millions) | 4.0732% | 3,824 |
| Cash dividends to net income (ytd only)* | 74.3187% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 4,495 |
| Loan loss allowance to noncurrent loans | 81.6253% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9612% | 898 |
| Noncurrent loans to loans | 1.2487% | 1,937 |
| Net loans and leases to total assets | 65.6555% | 3,001 |
| Net loans and leases to deposits | 76.2253% | 3,197 |
| Net loans and leases to core deposits | 79.9809% | 3,323 |
| Total domestic deposits to total assets | 86.1335% | 2,617 |
| Equity capital to assets | 12.2869% | 1,838 |
| Core capital (leverage) ratio | 10.6711% | 2,771 |
| Tier 1 risk-based capital ratio | 14.3023% | 3,494 |
| Total risk-based capital ratio | 15.2843% | 3,598 |
| Memoranda: | ||
| Average total assets | $976,706,500 | 743 |
| Average earning assets | $887,271,000 | 749 |
| Average equity | $121,216,000 | 662 |
| Average total loans | $670,801,500 | 741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 844 |
| Cost of funding earning assets | 0.3267% | 3,946 |
| Net interest margin | 4.5263% | 627 |
| Noninterest income to average assets | 0.3961% | 4,059 |
| Noninterest expense to average assets | 2.6065% | 3,896 |
| Loan and lease loss provision to assets | 0.0272% | 3,835 |
| Net operating income to assets | 1.1965% | 1,563 |
| Return on assets (ROA) | 1.1965% | 1,635 |
| Pretax return on assets | 1.8584% | 712 |
| Return on Equity (ROE) | 9.6357% | 2,162 |
| Retained earnings to average equity (ytd only) | -0.1403% | 5,533 |
| Net charge-offs to loans | 0.1355% | 2,001 |
| Credit loss provision to net charge-offs | 27.8302% | 3,677 |
| Earnings coverage of net charge-offs (x) | 19.2783% | 1,961 |
| Efficiency ratio | 56.3883% | 5,310 |
| Assets per employee ($millions) | 3.7427% | 4,386 |
| Cash dividends to net income (ytd only)* | 101.4556% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,481 |
| Loan loss allowance to noncurrent loans | 79.6992% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5012% | 620 |
| Noncurrent loans to loans | 1.5059% | 1,542 |
| Net loans and leases to total assets | 70.8701% | 2,227 |
| Net loans and leases to deposits | 82.3496% | 2,541 |
| Net loans and leases to core deposits | 86.7326% | 2,729 |
| Total domestic deposits to total assets | 86.0601% | 2,613 |
| Equity capital to assets | 12.5715% | 1,584 |
| Core capital (leverage) ratio | 10.1477% | 3,321 |
| Tier 1 risk-based capital ratio | 13.9105% | 3,764 |
| Total risk-based capital ratio | 15.0927% | 3,736 |
| Memoranda: | ||
| Average total assets | $866,996,800 | 791 |
| Average earning assets | $784,569,200 | 803 |
| Average equity | $107,662,400 | 715 |
| Average total loans | $625,991,400 | 750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 772 |
| Cost of funding earning assets | 0.3324% | 3,952 |
| Net interest margin | 4.5626% | 577 |
| Noninterest income to average assets | 0.3896% | 4,158 |
| Noninterest expense to average assets | 2.5990% | 3,886 |
| Loan and lease loss provision to assets | 0.0294% | 3,653 |
| Net operating income to assets | 1.2209% | 1,582 |
| Return on assets (ROA) | 1.2209% | 1,646 |
| Pretax return on assets | 1.8931% | 738 |
| Return on Equity (ROE) | 9.8616% | 2,159 |
| Retained earnings to average equity (ytd only) | 0.1903% | 5,553 |
| Net charge-offs to loans | 0.1405% | 1,715 |
| Credit loss provision to net charge-offs | 28.9157% | 3,283 |
| Earnings coverage of net charge-offs (x) | 18.9217% | 1,974 |
| Efficiency ratio | 55.8496% | 5,372 |
| Assets per employee ($millions) | 3.9353% | 4,002 |
| Cash dividends to net income (ytd only)* | 98.0699% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 3,569 |
| Loan loss allowance to noncurrent loans | 77.1659% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.5075% | 690 |
| Noncurrent loans to loans | 1.5736% | 1,587 |
| Net loans and leases to total assets | 69.1100% | 2,521 |
| Net loans and leases to deposits | 80.1131% | 2,871 |
| Net loans and leases to core deposits | 84.2066% | 3,020 |
| Total domestic deposits to total assets | 86.2656% | 2,400 |
| Equity capital to assets | 12.2939% | 1,875 |
| Core capital (leverage) ratio | 10.1771% | 3,405 |
| Tier 1 risk-based capital ratio | 13.7613% | 3,988 |
| Total risk-based capital ratio | 14.9498% | 3,959 |
| Memoranda: | ||
| Average total assets | $871,350,500 | 796 |
| Average earning assets | $789,090,250 | 801 |
| Average equity | $107,876,750 | 723 |
| Average total loans | $630,135,750 | 747 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 931 |
| Cost of funding earning assets | 0.3403% | 3,916 |
| Net interest margin | 4.4385% | 710 |
| Noninterest income to average assets | 0.4323% | 3,835 |
| Noninterest expense to average assets | 2.6047% | 3,892 |
| Loan and lease loss provision to assets | -0.0235% | 5,982 |
| Net operating income to assets | 1.2137% | 1,559 |
| Return on assets (ROA) | 1.2137% | 1,641 |
| Pretax return on assets | 1.8721% | 782 |
| Return on Equity (ROE) | 9.7800% | 2,169 |
| Retained earnings to average equity (ytd only) | -0.9734% | 5,686 |
| Net charge-offs to loans | -0.1536% | 5,941 |
| Credit loss provision to net charge-offs | 20.9016% | 3,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8041% | 5,358 |
| Assets per employee ($millions) | 3.8291% | 4,205 |
| Cash dividends to net income (ytd only)* | 109.9526% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 3,210 |
| Loan loss allowance to noncurrent loans | 66.9998% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.6344% | 692 |
| Noncurrent loans to loans | 1.9502% | 1,271 |
| Net loans and leases to total assets | 73.5255% | 1,740 |
| Net loans and leases to deposits | 84.9829% | 2,190 |
| Net loans and leases to core deposits | 89.6397% | 2,382 |
| Total domestic deposits to total assets | 86.5179% | 2,427 |
| Equity capital to assets | 12.5451% | 1,635 |
| Core capital (leverage) ratio | 10.0229% | 3,564 |
| Tier 1 risk-based capital ratio | 13.0639% | 4,479 |
| Total risk-based capital ratio | 14.3141% | 4,393 |
| Memoranda: | ||
| Average total assets | $869,273,330 | 803 |
| Average earning assets | $787,519,000 | 807 |
| Average equity | $107,872,670 | 719 |
| Average total loans | $635,530,330 | 739 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 933 |
| Cost of funding earning assets | 0.3451% | 3,927 |
| Net interest margin | 4.4112% | 718 |
| Noninterest income to average assets | 0.4256% | 3,800 |
| Noninterest expense to average assets | 2.5383% | 4,148 |
| Loan and lease loss provision to assets | 0.0816% | 2,338 |
| Net operating income to assets | 1.1736% | 1,622 |
| Return on assets (ROA) | 1.1736% | 1,726 |
| Pretax return on assets | 1.8049% | 860 |
| Return on Equity (ROE) | 9.5078% | 2,216 |
| Retained earnings to average equity (ytd only) | 2.8564% | 4,255 |
| Net charge-offs to loans | 0.1190% | 1,560 |
| Credit loss provision to net charge-offs | 94.7090% | 1,711 |
| Earnings coverage of net charge-offs (x) | 21.8836% | 1,368 |
| Efficiency ratio | 55.6025% | 5,547 |
| Assets per employee ($millions) | 3.7608% | 4,403 |
| Cash dividends to net income (ytd only)* | 69.9572% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 3,704 |
| Loan loss allowance to noncurrent loans | 63.4905% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.6702% | 761 |
| Noncurrent loans to loans | 1.9655% | 1,336 |
| Net loans and leases to total assets | 71.1844% | 1,948 |
| Net loans and leases to deposits | 82.6373% | 2,257 |
| Net loans and leases to core deposits | 86.9680% | 2,438 |
| Total domestic deposits to total assets | 86.1408% | 2,865 |
| Equity capital to assets | 12.3673% | 1,775 |
| Core capital (leverage) ratio | 10.2294% | 3,306 |
| Tier 1 risk-based capital ratio | 13.5220% | 4,314 |
| Total risk-based capital ratio | 14.7521% | 4,238 |
| Memoranda: | ||
| Average total assets | $876,966,000 | 801 |
| Average earning assets | $795,070,500 | 798 |
| Average equity | $108,248,500 | 711 |
| Average total loans | $635,227,000 | 737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 571 |
| Cost of funding earning assets | 0.3717% | 4,018 |
| Net interest margin | 4.7811% | 446 |
| Noninterest income to average assets | 0.4463% | 3,860 |
| Noninterest expense to average assets | 2.7634% | 3,617 |
| Loan and lease loss provision to assets | 0.0698% | 3,088 |
| Net operating income to assets | 1.2436% | 1,454 |
| Return on assets (ROA) | 1.2437% | 1,511 |
| Pretax return on assets | 1.9317% | 593 |
| Return on Equity (ROE) | 9.5128% | 2,334 |
| Retained earnings to average equity (ytd only) | 0.6316% | 5,481 |
| Net charge-offs to loans | 0.1596% | 2,432 |
| Credit loss provision to net charge-offs | 62.6087% | 3,241 |
| Earnings coverage of net charge-offs (x) | 17.9402% | 1,877 |
| Efficiency ratio | 56.4630% | 5,624 |
| Assets per employee ($millions) | 3.6719% | 4,586 |
| Cash dividends to net income (ytd only)* | 93.3600% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 3,741 |
| Loan loss allowance to noncurrent loans | 61.6953% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.7078% | 816 |
| Noncurrent loans to loans | 2.0197% | 1,369 |
| Net loans and leases to total assets | 71.8808% | 1,931 |
| Net loans and leases to deposits | 83.1375% | 2,321 |
| Net loans and leases to core deposits | 87.7856% | 2,522 |
| Total domestic deposits to total assets | 86.4601% | 2,595 |
| Equity capital to assets | 12.3196% | 1,760 |
| Core capital (leverage) ratio | 9.9240% | 3,683 |
| Tier 1 risk-based capital ratio | 13.9270% | 4,144 |
| Total risk-based capital ratio | 15.1776% | 4,079 |
| Memoranda: | ||
| Average total assets | $824,645,200 | 819 |
| Average earning assets | $744,875,800 | 824 |
| Average equity | $107,813,000 | 677 |
| Average total loans | $576,322,200 | 766 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 521 |
| Cost of funding earning assets | 0.3764% | 4,063 |
| Net interest margin | 4.8266% | 405 |
| Noninterest income to average assets | 0.4315% | 4,008 |
| Noninterest expense to average assets | 2.7691% | 3,578 |
| Loan and lease loss provision to assets | 0.0507% | 3,357 |
| Net operating income to assets | 1.2581% | 1,505 |
| Return on assets (ROA) | 1.2581% | 1,561 |
| Pretax return on assets | 1.9689% | 611 |
| Return on Equity (ROE) | 9.4758% | 2,458 |
| Retained earnings to average equity (ytd only) | 2.2747% | 4,921 |
| Net charge-offs to loans | 0.1883% | 1,957 |
| Credit loss provision to net charge-offs | 38.9660% | 3,306 |
| Earnings coverage of net charge-offs (x) | 15.5170% | 2,044 |
| Efficiency ratio | 56.3477% | 5,626 |
| Assets per employee ($millions) | 3.6706% | 4,538 |
| Cash dividends to net income (ytd only)* | 75.9948% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 3,834 |
| Loan loss allowance to noncurrent loans | 48.1718% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 3.0922% | 745 |
| Noncurrent loans to loans | 2.6306% | 1,092 |
| Net loans and leases to total assets | 68.8615% | 2,399 |
| Net loans and leases to deposits | 79.7112% | 2,737 |
| Net loans and leases to core deposits | 84.3653% | 2,841 |
| Total domestic deposits to total assets | 86.3888% | 2,651 |
| Equity capital to assets | 12.3517% | 1,800 |
| Core capital (leverage) ratio | 9.8708% | 3,852 |
| Tier 1 risk-based capital ratio | 14.5674% | 3,844 |
| Total risk-based capital ratio | 15.8181% | 3,787 |
| Memoranda: | ||
| Average total assets | $812,329,500 | 835 |
| Average earning assets | $733,331,750 | 842 |
| Average equity | $107,850,750 | 679 |
| Average total loans | $561,378,250 | 790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 472 |
| Cost of funding earning assets | 0.3800% | 4,104 |
| Net interest margin | 4.8647% | 368 |
| Noninterest income to average assets | 0.4347% | 3,990 |
| Noninterest expense to average assets | 2.8691% | 3,274 |
| Loan and lease loss provision to assets | -0.0524% | 6,300 |
| Net operating income to assets | 1.2887% | 1,344 |
| Return on assets (ROA) | 1.2887% | 1,399 |
| Pretax return on assets | 2.0090% | 544 |
| Return on Equity (ROE) | 9.4615% | 2,387 |
| Retained earnings to average equity (ytd only) | 2.5332% | 4,585 |
| Net charge-offs to loans | 0.2200% | 1,716 |
| Credit loss provision to net charge-offs | -34.6154% | 5,131 |
| Earnings coverage of net charge-offs (x) | 12.9147% | 2,022 |
| Efficiency ratio | 58.0848% | 5,546 |
| Assets per employee ($millions) | 3.6452% | 4,556 |
| Cash dividends to net income (ytd only)* | 73.2259% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,252 |
| Loan loss allowance to noncurrent loans | 42.4292% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 3.2417% | 758 |
| Noncurrent loans to loans | 2.9097% | 1,019 |
| Net loans and leases to total assets | 66.5993% | 2,656 |
| Net loans and leases to deposits | 76.6724% | 2,969 |
| Net loans and leases to core deposits | 81.1263% | 3,085 |
| Total domestic deposits to total assets | 86.8621% | 2,540 |
| Equity capital to assets | 12.1047% | 1,913 |
| Core capital (leverage) ratio | 9.6765% | 4,075 |
| Tier 1 risk-based capital ratio | 14.7362% | 3,785 |
| Total risk-based capital ratio | 15.9864% | 3,740 |
| Memoranda: | ||
| Average total assets | $789,456,670 | 859 |
| Average earning assets | $712,563,330 | 862 |
| Average equity | $107,530,330 | 675 |
| Average total loans | $543,697,670 | 807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 244 |
| Cost of funding earning assets | 0.3819% | 4,177 |
| Net interest margin | 5.2612% | 167 |
| Noninterest income to average assets | 0.4191% | 4,040 |
| Noninterest expense to average assets | 2.7990% | 3,570 |
| Loan and lease loss provision to assets | -0.0788% | 6,480 |
| Net operating income to assets | 1.5732% | 702 |
| Return on assets (ROA) | 1.5732% | 729 |
| Pretax return on assets | 2.4544% | 240 |
| Return on Equity (ROE) | 10.8164% | 1,747 |
| Retained earnings to average equity (ytd only) | 3.3413% | 4,125 |
| Net charge-offs to loans | 0.2775% | 1,237 |
| Credit loss provision to net charge-offs | -40.7303% | 4,733 |
| Earnings coverage of net charge-offs (x) | 12.2753% | 1,729 |
| Efficiency ratio | 53.1463% | 6,076 |
| Assets per employee ($millions) | 3.6913% | 4,533 |
| Cash dividends to net income (ytd only)* | 69.1085% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,084 |
| Loan loss allowance to noncurrent loans | 47.2768% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.8136% | 650 |
| Noncurrent loans to loans | 3.2015% | 962 |
| Net loans and leases to total assets | 68.1344% | 2,199 |
| Net loans and leases to deposits | 80.8768% | 2,177 |
| Net loans and leases to core deposits | 85.4961% | 2,366 |
| Total domestic deposits to total assets | 84.2446% | 4,189 |
| Equity capital to assets | 14.5461% | 779 |
| Core capital (leverage) ratio | 12.7197% | 1,288 |
| Tier 1 risk-based capital ratio | 18.0312% | 2,282 |
| Total risk-based capital ratio | 19.2848% | 2,258 |
| Memoranda: | ||
| Average total assets | $735,826,500 | 927 |
| Average earning assets | $665,092,000 | 935 |
| Average equity | $107,023,000 | 681 |
| Average total loans | $513,210,500 | 857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 722 |
| Cost of funding earning assets | 0.4252% | 4,377 |
| Net interest margin | 4.7176% | 499 |
| Noninterest income to average assets | 0.3741% | 4,636 |
| Noninterest expense to average assets | 2.6555% | 4,261 |
| Loan and lease loss provision to assets | -0.0136% | 6,283 |
| Net operating income to assets | 1.2591% | 1,369 |
| Return on assets (ROA) | 1.3524% | 1,172 |
| Pretax return on assets | 2.1346% | 355 |
| Return on Equity (ROE) | 9.3495% | 2,394 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,404 |
| Net charge-offs to loans | 0.0341% | 4,759 |
| Credit loss provision to net charge-offs | -59.1716% | 5,816 |
| Earnings coverage of net charge-offs (x) | 85.8225% | 527 |
| Efficiency ratio | 56.2892% | 5,917 |
| Assets per employee ($millions) | 3.5946% | 4,693 |
| Cash dividends to net income (ytd only)* | 57.9053% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 2,711 |
| Loan loss allowance to noncurrent loans | 35.9003% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 4.8229% | 498 |
| Noncurrent loans to loans | 4.4893% | 591 |
| Net loans and leases to total assets | 69.1869% | 2,145 |
| Net loans and leases to deposits | 82.0962% | 2,171 |
| Net loans and leases to core deposits | 86.6227% | 2,385 |
| Total domestic deposits to total assets | 84.2754% | 4,060 |
| Equity capital to assets | 14.5430% | 771 |
| Core capital (leverage) ratio | 12.3596% | 1,421 |
| Tier 1 risk-based capital ratio | 17.9726% | 2,256 |
| Total risk-based capital ratio | 19.2276% | 2,222 |
| Memoranda: | ||
| Average total assets | $734,273,600 | 906 |
| Average earning assets | $662,542,000 | 908 |
| Average equity | $106,208,800 | 668 |
| Average total loans | $495,768,400 | 859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 591 |
| Cost of funding earning assets | 0.4308% | 4,498 |
| Net interest margin | 4.8169% | 416 |
| Noninterest income to average assets | 0.4458% | 4,186 |
| Noninterest expense to average assets | 2.6531% | 4,189 |
| Loan and lease loss provision to assets | 0.1042% | 3,021 |
| Net operating income to assets | 1.2836% | 1,390 |
| Return on assets (ROA) | 1.3092% | 1,385 |
| Pretax return on assets | 2.0748% | 497 |
| Return on Equity (ROE) | 9.0631% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,820 |
| Net charge-offs to loans | 0.0209% | 4,712 |
| Credit loss provision to net charge-offs | 746.7532% | 390 |
| Earnings coverage of net charge-offs (x) | 153.2399% | 363 |
| Efficiency ratio | 54.3449% | 6,081 |
| Assets per employee ($millions) | 3.5332% | 4,780 |
| Cash dividends to net income (ytd only)* | 55.3940% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,300 |
| Loan loss allowance to noncurrent loans | 43.0524% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 4.4967% | 675 |
| Noncurrent loans to loans | 4.1827% | 827 |
| Net loans and leases to total assets | 66.7425% | 2,510 |
| Net loans and leases to deposits | 79.5242% | 2,479 |
| Net loans and leases to core deposits | 84.0301% | 2,653 |
| Total domestic deposits to total assets | 83.9273% | 4,217 |
| Equity capital to assets | 14.4738% | 835 |
| Core capital (leverage) ratio | 12.3449% | 1,495 |
| Tier 1 risk-based capital ratio | 18.0445% | 2,308 |
| Total risk-based capital ratio | 19.3019% | 2,269 |
| Memoranda: | ||
| Average total assets | $735,416,250 | 913 |
| Average earning assets | $663,589,250 | 917 |
| Average equity | $106,230,750 | 674 |
| Average total loans | $491,428,250 | 865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 919 |
| Cost of funding earning assets | 0.4392% | 4,553 |
| Net interest margin | 4.5539% | 642 |
| Noninterest income to average assets | 0.4387% | 4,257 |
| Noninterest expense to average assets | 2.6598% | 4,184 |
| Loan and lease loss provision to assets | 0.1430% | 2,545 |
| Net operating income to assets | 1.1049% | 1,911 |
| Return on assets (ROA) | 1.1307% | 1,927 |
| Pretax return on assets | 1.7876% | 952 |
| Return on Equity (ROE) | 7.8330% | 3,175 |
| Retained earnings to average equity (ytd only) | 3.1166% | 4,336 |
| Net charge-offs to loans | 0.0197% | 4,451 |
| Credit loss provision to net charge-offs | 1,093.7500% | 279 |
| Earnings coverage of net charge-offs (x) | 144.6042% | 343 |
| Efficiency ratio | 57.3797% | 5,815 |
| Assets per employee ($millions) | 3.5340% | 4,785 |
| Cash dividends to net income (ytd only)* | 60.2119% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 2,335 |
| Loan loss allowance to noncurrent loans | 41.3692% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 4.5866% | 709 |
| Noncurrent loans to loans | 4.4202% | 800 |
| Net loans and leases to total assets | 66.4876% | 2,508 |
| Net loans and leases to deposits | 78.5616% | 2,509 |
| Net loans and leases to core deposits | 83.1796% | 2,672 |
| Total domestic deposits to total assets | 84.6312% | 4,069 |
| Equity capital to assets | 14.5003% | 824 |
| Core capital (leverage) ratio | 12.1201% | 1,554 |
| Tier 1 risk-based capital ratio | 18.0833% | 2,290 |
| Total risk-based capital ratio | 19.3411% | 2,246 |
| Memoranda: | ||
| Average total assets | $734,405,330 | 913 |
| Average earning assets | $663,030,330 | 912 |
| Average equity | $106,013,670 | 675 |
| Average total loans | $487,938,670 | 866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,630 |
| Cost of funding earning assets | 0.4439% | 4,664 |
| Net interest margin | 4.2230% | 1,131 |
| Noninterest income to average assets | 0.4512% | 4,116 |
| Noninterest expense to average assets | 2.6003% | 4,402 |
| Loan and lease loss provision to assets | 0.2684% | 1,322 |
| Net operating income to assets | 0.9050% | 2,629 |
| Return on assets (ROA) | 0.9572% | 2,549 |
| Pretax return on assets | 1.4756% | 1,634 |
| Return on Equity (ROE) | 6.6454% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.8216% | 3,937 |
| Net charge-offs to loans | -0.0165% | 5,628 |
| Credit loss provision to net charge-offs | -2,475.0000% | 5,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8372% | 5,609 |
| Assets per employee ($millions) | 3.6096% | 4,761 |
| Cash dividends to net income (ytd only)* | 42.4929% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 2,432 |
| Loan loss allowance to noncurrent loans | 31.7183% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 5.3821% | 644 |
| Noncurrent loans to loans | 5.8551% | 578 |
| Net loans and leases to total assets | 64.9787% | 2,541 |
| Net loans and leases to deposits | 76.9363% | 2,495 |
| Net loans and leases to core deposits | 80.6633% | 2,725 |
| Total domestic deposits to total assets | 84.4578% | 4,280 |
| Equity capital to assets | 14.4822% | 883 |
| Core capital (leverage) ratio | 12.0756% | 1,526 |
| Tier 1 risk-based capital ratio | 18.1746% | 2,294 |
| Total risk-based capital ratio | 19.4328% | 2,260 |
| Memoranda: | ||
| Average total assets | $737,605,000 | 918 |
| Average earning assets | $665,969,000 | 913 |
| Average equity | $106,239,000 | 684 |
| Average total loans | $485,383,000 | 875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,379 |
| Cost of funding earning assets | 0.5697% | 4,650 |
| Net interest margin | 4.5004% | 949 |
| Noninterest income to average assets | 0.7080% | 2,681 |
| Noninterest expense to average assets | 2.6900% | 4,431 |
| Loan and lease loss provision to assets | 0.4820% | 1,271 |
| Net operating income to assets | 1.0040% | 2,320 |
| Return on assets (ROA) | 1.0506% | 2,317 |
| Pretax return on assets | 1.6495% | 1,265 |
| Return on Equity (ROE) | 7.3528% | 3,436 |
| Retained earnings to average equity (ytd only) | -2.3428% | 6,206 |
| Net charge-offs to loans | 0.4118% | 2,608 |
| Credit loss provision to net charge-offs | 189.6008% | 1,380 |
| Earnings coverage of net charge-offs (x) | 8.0977% | 2,474 |
| Efficiency ratio | 55.5787% | 6,110 |
| Assets per employee ($millions) | 3.6042% | 4,771 |
| Cash dividends to net income (ytd only)* | 131.8632% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 2,704 |
| Loan loss allowance to noncurrent loans | 34.5164% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 4.8775% | 809 |
| Noncurrent loans to loans | 5.1194% | 766 |
| Net loans and leases to total assets | 64.2479% | 2,862 |
| Net loans and leases to deposits | 77.6716% | 2,577 |
| Net loans and leases to core deposits | 81.3839% | 2,838 |
| Total domestic deposits to total assets | 82.7174% | 4,842 |
| Equity capital to assets | 14.3245% | 930 |
| Core capital (leverage) ratio | 11.7569% | 1,701 |
| Tier 1 risk-based capital ratio | 18.0697% | 2,241 |
| Total risk-based capital ratio | 19.3267% | 2,210 |
| Memoranda: | ||
| Average total assets | $748,912,600 | 890 |
| Average earning assets | $672,434,400 | 893 |
| Average equity | $107,007,000 | 664 |
| Average total loans | $462,333,800 | 891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,294 |
| Cost of funding earning assets | 0.5922% | 4,727 |
| Net interest margin | 4.5605% | 886 |
| Noninterest income to average assets | 0.4965% | 3,955 |
| Noninterest expense to average assets | 2.7607% | 4,129 |
| Loan and lease loss provision to assets | 0.4338% | 1,460 |
| Net operating income to assets | 0.8918% | 3,028 |
| Return on assets (ROA) | 0.9228% | 3,092 |
| Pretax return on assets | 1.4426% | 2,104 |
| Return on Equity (ROE) | 6.4628% | 4,086 |
| Retained earnings to average equity (ytd only) | -4.8449% | 6,602 |
| Net charge-offs to loans | 0.5358% | 1,997 |
| Credit loss provision to net charge-offs | 133.0974% | 2,174 |
| Earnings coverage of net charge-offs (x) | 5.6081% | 2,977 |
| Efficiency ratio | 59.0426% | 5,654 |
| Assets per employee ($millions) | 3.6894% | 4,570 |
| Cash dividends to net income (ytd only)* | 174.9664% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,523 |
| Loan loss allowance to noncurrent loans | 23.2480% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 5.9583% | 671 |
| Noncurrent loans to loans | 6.8735% | 536 |
| Net loans and leases to total assets | 61.1818% | 3,539 |
| Net loans and leases to deposits | 73.5188% | 3,365 |
| Net loans and leases to core deposits | 76.8883% | 3,619 |
| Total domestic deposits to total assets | 83.2192% | 4,554 |
| Equity capital to assets | 13.9734% | 1,167 |
| Core capital (leverage) ratio | 11.4773% | 2,001 |
| Tier 1 risk-based capital ratio | 18.0222% | 2,333 |
| Total risk-based capital ratio | 19.2768% | 2,306 |
| Memoranda: | ||
| Average total assets | $751,426,250 | 892 |
| Average earning assets | $674,261,000 | 902 |
| Average equity | $107,299,250 | 663 |
| Average total loans | $457,107,250 | 908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 1,332 |
| Cost of funding earning assets | 0.6153% | 4,761 |
| Net interest margin | 4.5564% | 896 |
| Noninterest income to average assets | 0.4876% | 4,006 |
| Noninterest expense to average assets | 2.7874% | 4,063 |
| Loan and lease loss provision to assets | 0.3270% | 2,012 |
| Net operating income to assets | 0.9428% | 2,697 |
| Return on assets (ROA) | 0.9428% | 2,955 |
| Pretax return on assets | 1.4548% | 1,992 |
| Return on Equity (ROE) | 6.5556% | 4,021 |
| Retained earnings to average equity (ytd only) | 1.5640% | 5,421 |
| Net charge-offs to loans | 0.5614% | 1,913 |
| Credit loss provision to net charge-offs | 96.4706% | 2,868 |
| Earnings coverage of net charge-offs (x) | 5.2565% | 2,872 |
| Efficiency ratio | 59.8743% | 5,594 |
| Assets per employee ($millions) | 3.6635% | 4,609 |
| Cash dividends to net income (ytd only)* | 76.1421% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,956 |
| Loan loss allowance to noncurrent loans | 21.5670% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 6.0078% | 705 |
| Noncurrent loans to loans | 7.0158% | 552 |
| Net loans and leases to total assets | 58.8311% | 4,015 |
| Net loans and leases to deposits | 69.7701% | 3,934 |
| Net loans and leases to core deposits | 72.7665% | 4,202 |
| Total domestic deposits to total assets | 84.3213% | 4,182 |
| Equity capital to assets | 14.5095% | 914 |
| Core capital (leverage) ratio | 11.9405% | 1,632 |
| Tier 1 risk-based capital ratio | 19.6106% | 1,814 |
| Total risk-based capital ratio | 20.8540% | 1,785 |
| Memoranda: | ||
| Average total assets | $752,255,330 | 892 |
| Average earning assets | $673,859,000 | 904 |
| Average equity | $108,181,670 | 654 |
| Average total loans | $454,258,000 | 910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 609 |
| Cost of funding earning assets | 0.6539% | 4,691 |
| Net interest margin | 4.9605% | 424 |
| Noninterest income to average assets | 0.4574% | 4,247 |
| Noninterest expense to average assets | 2.8738% | 3,730 |
| Loan and lease loss provision to assets | 0.3267% | 1,914 |
| Net operating income to assets | 1.0711% | 2,201 |
| Return on assets (ROA) | 1.0711% | 2,388 |
| Pretax return on assets | 1.6943% | 1,316 |
| Return on Equity (ROE) | 7.4813% | 3,505 |
| Retained earnings to average equity (ytd only) | 1.1727% | 5,618 |
| Net charge-offs to loans | 0.1444% | 3,233 |
| Credit loss provision to net charge-offs | 372.7273% | 838 |
| Earnings coverage of net charge-offs (x) | 23.0545% | 1,104 |
| Efficiency ratio | 57.6577% | 5,960 |
| Assets per employee ($millions) | 3.7409% | 4,560 |
| Cash dividends to net income (ytd only)* | 84.3254% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,683 |
| Loan loss allowance to noncurrent loans | 22.4127% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 6.1980% | 738 |
| Noncurrent loans to loans | 7.1822% | 602 |
| Net loans and leases to total assets | 58.9096% | 3,876 |
| Net loans and leases to deposits | 69.8882% | 3,749 |
| Net loans and leases to core deposits | 73.0262% | 4,019 |
| Total domestic deposits to total assets | 84.2912% | 4,369 |
| Equity capital to assets | 14.3266% | 915 |
| Core capital (leverage) ratio | 11.8579% | 1,672 |
| Tier 1 risk-based capital ratio | 19.0692% | 1,968 |
| Total risk-based capital ratio | 20.3147% | 1,937 |
| Memoranda: | ||
| Average total assets | $752,876,500 | 888 |
| Average earning assets | $673,486,500 | 904 |
| Average equity | $107,788,500 | 655 |
| Average total loans | $457,078,500 | 903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,496 |
| Cost of funding earning assets | 0.7199% | 5,408 |
| Net interest margin | 4.3692% | 1,479 |
| Noninterest income to average assets | 0.5419% | 3,569 |
| Noninterest expense to average assets | 3.0602% | 3,354 |
| Loan and lease loss provision to assets | 0.3205% | 3,121 |
| Net operating income to assets | 0.6965% | 3,512 |
| Return on assets (ROA) | 0.6965% | 3,692 |
| Pretax return on assets | 1.0840% | 2,899 |
| Return on Equity (ROE) | 5.2071% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.4993% | 5,143 |
| Net charge-offs to loans | 0.4322% | 3,273 |
| Credit loss provision to net charge-offs | 123.5294% | 2,548 |
| Earnings coverage of net charge-offs (x) | 5.4137% | 2,799 |
| Efficiency ratio | 67.3104% | 4,514 |
| Assets per employee ($millions) | 3.2899% | 5,529 |
| Cash dividends to net income (ytd only)* | 71.2069% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 4,111 |
| Loan loss allowance to noncurrent loans | 17.4018% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 7.0337% | 647 |
| Noncurrent loans to loans | 8.5043% | 444 |
| Net loans and leases to total assets | 60.6437% | 3,860 |
| Net loans and leases to deposits | 73.1217% | 3,645 |
| Net loans and leases to core deposits | 76.5409% | 3,899 |
| Total domestic deposits to total assets | 82.9353% | 4,776 |
| Equity capital to assets | 14.3071% | 968 |
| Core capital (leverage) ratio | 11.3033% | 2,033 |
| Tier 1 risk-based capital ratio | 17.8963% | 2,229 |
| Total risk-based capital ratio | 19.1492% | 2,198 |
| Memoranda: | ||
| Average total assets | $786,374,800 | 836 |
| Average earning assets | $706,027,800 | 847 |
| Average equity | $105,182,800 | 654 |
| Average total loans | $472,038,000 | 884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 2,694 |
| Cost of funding earning assets | 0.7308% | 5,589 |
| Net interest margin | 4.3518% | 1,558 |
| Noninterest income to average assets | 0.4296% | 4,443 |
| Noninterest expense to average assets | 3.0590% | 3,321 |
| Loan and lease loss provision to assets | 0.3646% | 2,675 |
| Net operating income to assets | 0.5960% | 4,100 |
| Return on assets (ROA) | 0.5960% | 4,286 |
| Pretax return on assets | 0.9177% | 3,694 |
| Return on Equity (ROE) | 4.5306% | 4,754 |
| Retained earnings to average equity (ytd only) | 1.3454% | 5,465 |
| Net charge-offs to loans | 0.1031% | 4,967 |
| Credit loss provision to net charge-offs | 592.6431% | 456 |
| Earnings coverage of net charge-offs (x) | 20.8447% | 1,205 |
| Efficiency ratio | 69.1660% | 4,099 |
| Assets per employee ($millions) | 3.4031% | 5,242 |
| Cash dividends to net income (ytd only)* | 70.3038% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,994 |
| Loan loss allowance to noncurrent loans | 19.4513% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 7.5957% | 616 |
| Noncurrent loans to loans | 9.1823% | 413 |
| Net loans and leases to total assets | 58.3499% | 4,448 |
| Net loans and leases to deposits | 70.3148% | 4,248 |
| Net loans and leases to core deposits | 73.7032% | 4,500 |
| Total domestic deposits to total assets | 82.9838% | 4,692 |
| Equity capital to assets | 14.0024% | 1,154 |
| Core capital (leverage) ratio | 11.2390% | 2,199 |
| Tier 1 risk-based capital ratio | 18.3541% | 2,134 |
| Total risk-based capital ratio | 19.6080% | 2,096 |
| Memoranda: | ||
| Average total assets | $795,445,000 | 832 |
| Average earning assets | $714,996,500 | 838 |
| Average equity | $104,649,250 | 663 |
| Average total loans | $474,618,000 | 896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 3,031 |
| Cost of funding earning assets | 0.7419% | 5,719 |
| Net interest margin | 4.2848% | 1,722 |
| Noninterest income to average assets | 0.4650% | 4,149 |
| Noninterest expense to average assets | 3.0541% | 3,416 |
| Loan and lease loss provision to assets | 0.3308% | 2,797 |
| Net operating income to assets | 0.6068% | 4,029 |
| Return on assets (ROA) | 0.6068% | 4,161 |
| Pretax return on assets | 0.9380% | 3,480 |
| Return on Equity (ROE) | 4.7088% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.8141% | 5,090 |
| Net charge-offs to loans | 0.1315% | 4,425 |
| Credit loss provision to net charge-offs | 420.8861% | 716 |
| Earnings coverage of net charge-offs (x) | 16.1456% | 1,361 |
| Efficiency ratio | 69.3436% | 4,250 |
| Assets per employee ($millions) | 3.2528% | 5,522 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,859 |
| Loan loss allowance to noncurrent loans | 15.6332% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 7.5036% | 643 |
| Noncurrent loans to loans | 9.9875% | 385 |
| Net loans and leases to total assets | 60.5041% | 4,181 |
| Net loans and leases to deposits | 72.6930% | 4,001 |
| Net loans and leases to core deposits | 76.7668% | 4,216 |
| Total domestic deposits to total assets | 83.2323% | 4,656 |
| Equity capital to assets | 13.8394% | 1,154 |
| Core capital (leverage) ratio | 10.4771% | 2,735 |
| Tier 1 risk-based capital ratio | 17.7060% | 2,263 |
| Total risk-based capital ratio | 18.9594% | 2,227 |
| Memoranda: | ||
| Average total assets | $804,229,670 | 837 |
| Average earning assets | $724,092,000 | 839 |
| Average equity | $103,635,330 | 668 |
| Average total loans | $480,515,670 | 903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 6,451 |
| Cost of funding earning assets | 0.5161% | 6,916 |
| Net interest margin | 3.6099% | 4,528 |
| Noninterest income to average assets | 0.4501% | 4,288 |
| Noninterest expense to average assets | 2.2821% | 6,237 |
| Loan and lease loss provision to assets | 0.0675% | 5,147 |
| Net operating income to assets | 0.8822% | 2,655 |
| Return on assets (ROA) | 0.8822% | 2,718 |
| Pretax return on assets | 1.3594% | 1,853 |
| Return on Equity (ROE) | 6.2039% | 3,779 |
| Retained earnings to average equity (ytd only) | 1.9308% | 4,967 |
| Net charge-offs to loans | 0.2471% | 3,101 |
| Credit loss provision to net charge-offs | 63.8298% | 3,471 |
| Earnings coverage of net charge-offs (x) | 13.4894% | 1,430 |
| Efficiency ratio | 61.5291% | 5,756 |
| Assets per employee ($millions) | 3.5334% | 4,919 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,857 |
| Loan loss allowance to noncurrent loans | 44.8952% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 3,446 |
| Noncurrent loans to loans | 3.0283% | 2,483 |
| Net loans and leases to total assets | 39.7640% | 6,797 |
| Net loans and leases to deposits | 47.0803% | 6,792 |
| Net loans and leases to core deposits | 47.6632% | 6,892 |
| Total domestic deposits to total assets | 84.4600% | 4,291 |
| Equity capital to assets | 13.8495% | 1,049 |
| Core capital (leverage) ratio | 11.5292% | 1,830 |
| Tier 1 risk-based capital ratio | 27.9791% | 637 |
| Total risk-based capital ratio | 29.2315% | 622 |
| Memoranda: | ||
| Average total assets | $177,730,000 | 3,420 |
| Average earning assets | $160,449,500 | 3,452 |
| Average equity | $25,274,500 | 2,515 |
| Average total loans | $76,071,500 | 4,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 6,509 |
| Cost of funding earning assets | 0.7185% | 6,832 |
| Net interest margin | 3.7370% | 4,192 |
| Noninterest income to average assets | 0.4645% | 4,413 |
| Noninterest expense to average assets | 2.1357% | 6,763 |
| Loan and lease loss provision to assets | 0.0949% | 6,196 |
| Net operating income to assets | 0.9210% | 2,313 |
| Return on assets (ROA) | 0.9210% | 2,435 |
| Pretax return on assets | 1.6126% | 1,099 |
| Return on Equity (ROE) | 6.2340% | 3,493 |
| Retained earnings to average equity (ytd only) | 1.5449% | 4,764 |
| Net charge-offs to loans | 0.2253% | 4,935 |
| Credit loss provision to net charge-offs | 91.1602% | 5,075 |
| Earnings coverage of net charge-offs (x) | 16.4088% | 1,209 |
| Efficiency ratio | 55.5722% | 6,645 |
| Assets per employee ($millions) | 3.3671% | 5,252 |
| Cash dividends to net income (ytd only)* | 75.2185% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,946 |
| Loan loss allowance to noncurrent loans | 56.7942% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 3,747 |
| Noncurrent loans to loans | 2.3093% | 3,212 |
| Net loans and leases to total assets | 44.8693% | 6,650 |
| Net loans and leases to deposits | 53.5579% | 6,640 |
| Net loans and leases to core deposits | 54.2713% | 6,799 |
| Total domestic deposits to total assets | 83.7772% | 4,464 |
| Equity capital to assets | 14.6179% | 880 |
| Core capital (leverage) ratio | 11.4660% | 1,850 |
| Tier 1 risk-based capital ratio | 26.4617% | 715 |
| Total risk-based capital ratio | 27.7169% | 696 |
| Memoranda: | ||
| Average total assets | $173,945,000 | 3,468 |
| Average earning assets | $157,263,400 | 3,502 |
| Average equity | $25,697,800 | 2,483 |
| Average total loans | $80,332,400 | 4,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 6,713 |
| Cost of funding earning assets | 0.7585% | 6,891 |
| Net interest margin | 3.6961% | 4,418 |
| Noninterest income to average assets | 0.4714% | 4,403 |
| Noninterest expense to average assets | 2.1035% | 6,838 |
| Loan and lease loss provision to assets | 0.1146% | 5,884 |
| Net operating income to assets | 0.8695% | 2,737 |
| Return on assets (ROA) | 0.8695% | 2,873 |
| Pretax return on assets | 1.5969% | 1,354 |
| Return on Equity (ROE) | 5.8704% | 3,873 |
| Retained earnings to average equity (ytd only) | 1.4598% | 5,220 |
| Net charge-offs to loans | 0.3066% | 4,131 |
| Credit loss provision to net charge-offs | 80.6452% | 5,110 |
| Earnings coverage of net charge-offs (x) | 12.0432% | 1,726 |
| Efficiency ratio | 55.1372% | 6,665 |
| Assets per employee ($millions) | 3.4404% | 5,120 |
| Cash dividends to net income (ytd only)* | 75.1315% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,202 |
| Loan loss allowance to noncurrent loans | 48.5728% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 3,717 |
| Noncurrent loans to loans | 2.5826% | 3,046 |
| Net loans and leases to total assets | 44.1767% | 6,827 |
| Net loans and leases to deposits | 52.8946% | 6,842 |
| Net loans and leases to core deposits | 53.5693% | 6,980 |
| Total domestic deposits to total assets | 83.5184% | 4,364 |
| Equity capital to assets | 14.6264% | 986 |
| Core capital (leverage) ratio | 11.6212% | 1,859 |
| Tier 1 risk-based capital ratio | 24.3717% | 906 |
| Total risk-based capital ratio | 25.6219% | 891 |
| Memoranda: | ||
| Average total assets | $174,501,000 | 3,505 |
| Average earning assets | $157,854,250 | 3,534 |
| Average equity | $25,846,750 | 2,508 |
| Average total loans | $80,897,000 | 4,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,817 |
| Cost of funding earning assets | 0.7927% | 6,939 |
| Net interest margin | 3.6507% | 4,575 |
| Noninterest income to average assets | 0.4623% | 4,418 |
| Noninterest expense to average assets | 2.1337% | 6,809 |
| Loan and lease loss provision to assets | 0.0694% | 6,260 |
| Net operating income to assets | 0.7640% | 3,128 |
| Return on assets (ROA) | 0.7640% | 3,285 |
| Pretax return on assets | 1.5650% | 1,393 |
| Return on Equity (ROE) | 5.1360% | 4,221 |
| Retained earnings to average equity (ytd only) | -0.1476% | 5,764 |
| Net charge-offs to loans | 0.1527% | 4,722 |
| Credit loss provision to net charge-offs | 96.7742% | 4,215 |
| Earnings coverage of net charge-offs (x) | 22.8065% | 1,121 |
| Efficiency ratio | 56.6258% | 6,555 |
| Assets per employee ($millions) | 3.2397% | 5,573 |
| Cash dividends to net income (ytd only)* | 102.8744% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 5,134 |
| Loan loss allowance to noncurrent loans | 33.4839% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 3,694 |
| Noncurrent loans to loans | 3.7605% | 2,063 |
| Net loans and leases to total assets | 47.4051% | 6,668 |
| Net loans and leases to deposits | 57.1051% | 6,649 |
| Net loans and leases to core deposits | 57.7378% | 6,846 |
| Total domestic deposits to total assets | 83.0139% | 4,571 |
| Equity capital to assets | 15.0945% | 858 |
| Core capital (leverage) ratio | 11.2627% | 2,060 |
| Tier 1 risk-based capital ratio | 22.4336% | 1,134 |
| Total risk-based capital ratio | 23.6745% | 1,113 |
| Memoranda: | ||
| Average total assets | $173,034,000 | 3,551 |
| Average earning assets | $156,681,330 | 3,583 |
| Average equity | $25,740,000 | 2,509 |
| Average total loans | $81,183,670 | 4,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 6,985 |
| Cost of funding earning assets | 0.8040% | 7,076 |
| Net interest margin | 3.6039% | 4,711 |
| Noninterest income to average assets | 0.4560% | 4,415 |
| Noninterest expense to average assets | 2.0772% | 6,997 |
| Loan and lease loss provision to assets | 0.0345% | 6,331 |
| Net operating income to assets | 1.0501% | 2,003 |
| Return on assets (ROA) | 1.0501% | 2,064 |
| Pretax return on assets | 1.6166% | 1,225 |
| Return on Equity (ROE) | 7.1108% | 3,285 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,902 |
| Net charge-offs to loans | 0.0546% | 4,858 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 65.1818% | 469 |
| Efficiency ratio | 55.7134% | 6,808 |
| Assets per employee ($millions) | 3.4077% | 5,269 |
| Cash dividends to net income (ytd only)* | 71.2719% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,879 |
| Loan loss allowance to noncurrent loans | 51.2267% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,777 |
| Noncurrent loans to loans | 2.5564% | 3,116 |
| Net loans and leases to total assets | 44.4006% | 6,962 |
| Net loans and leases to deposits | 53.5207% | 6,946 |
| Net loans and leases to core deposits | 54.0918% | 7,097 |
| Total domestic deposits to total assets | 82.9597% | 4,648 |
| Equity capital to assets | 14.5019% | 999 |
| Core capital (leverage) ratio | 11.4191% | 1,958 |
| Tier 1 risk-based capital ratio | 23.0912% | 1,059 |
| Total risk-based capital ratio | 24.3419% | 1,041 |
| Memoranda: | ||
| Average total assets | $173,698,500 | 3,597 |
| Average earning assets | $157,718,500 | 3,616 |
| Average equity | $25,651,000 | 2,550 |
| Average total loans | $80,558,000 | 4,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 6,860 |
| Cost of funding earning assets | 1.0483% | 7,106 |
| Net interest margin | 3.7941% | 3,734 |
| Noninterest income to average assets | 0.5051% | 4,370 |
| Noninterest expense to average assets | 2.2056% | 6,982 |
| Loan and lease loss provision to assets | 0.0766% | 6,825 |
| Net operating income to assets | 1.0716% | 1,592 |
| Return on assets (ROA) | 1.0716% | 1,637 |
| Pretax return on assets | 1.6510% | 866 |
| Return on Equity (ROE) | 7.1732% | 2,722 |
| Retained earnings to average equity (ytd only) | 1.8268% | 3,822 |
| Net charge-offs to loans | 0.5964% | 3,428 |
| Credit loss provision to net charge-offs | 25.6917% | 6,919 |
| Earnings coverage of net charge-offs (x) | 5.7925% | 2,500 |
| Efficiency ratio | 56.0767% | 7,007 |
| Assets per employee ($millions) | 3.2113% | 5,698 |
| Cash dividends to net income (ytd only)* | 74.5325% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 4,884 |
| Loan loss allowance to noncurrent loans | 58.0357% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 4,889 |
| Noncurrent loans to loans | 2.2016% | 3,387 |
| Net loans and leases to total assets | 47.2124% | 6,881 |
| Net loans and leases to deposits | 56.6431% | 6,882 |
| Net loans and leases to core deposits | 62.5906% | 7,169 |
| Total domestic deposits to total assets | 83.3507% | 4,363 |
| Equity capital to assets | 15.0442% | 899 |
| Core capital (leverage) ratio | 11.1886% | 2,115 |
| Tier 1 risk-based capital ratio | 22.3214% | 1,119 |
| Total risk-based capital ratio | 23.5771% | 1,094 |
| Memoranda: | ||
| Average total assets | $169,655,800 | 3,621 |
| Average earning assets | $153,291,000 | 3,649 |
| Average equity | $25,344,200 | 2,575 |
| Average total loans | $84,840,600 | 4,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 6,927 |
| Cost of funding earning assets | 1.0841% | 7,208 |
| Net interest margin | 3.7968% | 3,672 |
| Noninterest income to average assets | 0.5057% | 4,439 |
| Noninterest expense to average assets | 2.2211% | 6,919 |
| Loan and lease loss provision to assets | 0.0904% | 6,465 |
| Net operating income to assets | 1.0524% | 1,889 |
| Return on assets (ROA) | 1.0524% | 1,955 |
| Pretax return on assets | 1.6210% | 1,135 |
| Return on Equity (ROE) | 7.0571% | 3,050 |
| Retained earnings to average equity (ytd only) | 1.7036% | 4,360 |
| Net charge-offs to loans | 0.8681% | 2,233 |
| Credit loss provision to net charge-offs | 20.6093% | 6,569 |
| Earnings coverage of net charge-offs (x) | 3.8996% | 3,345 |
| Efficiency ratio | 56.4800% | 6,939 |
| Assets per employee ($millions) | 3.4047% | 5,152 |
| Cash dividends to net income (ytd only)* | 75.8593% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,354 |
| Loan loss allowance to noncurrent loans | 75.8379% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 5,594 |
| Noncurrent loans to loans | 1.5312% | 4,352 |
| Net loans and leases to total assets | 46.7788% | 7,054 |
| Net loans and leases to deposits | 56.7933% | 7,039 |
| Net loans and leases to core deposits | 62.5378% | 7,304 |
| Total domestic deposits to total assets | 82.3667% | 4,513 |
| Equity capital to assets | 14.4567% | 1,155 |
| Core capital (leverage) ratio | 11.2356% | 2,233 |
| Tier 1 risk-based capital ratio | 21.4842% | 1,294 |
| Total risk-based capital ratio | 22.6375% | 1,284 |
| Memoranda: | ||
| Average total assets | $169,520,000 | 3,638 |
| Average earning assets | $153,002,000 | 3,670 |
| Average equity | $25,279,000 | 2,604 |
| Average total loans | $85,702,000 | 4,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 6,857 |
| Cost of funding earning assets | 1.1289% | 7,300 |
| Net interest margin | 3.8445% | 3,357 |
| Noninterest income to average assets | 0.5125% | 4,333 |
| Noninterest expense to average assets | 2.2513% | 6,915 |
| Loan and lease loss provision to assets | 0.0359% | 6,884 |
| Net operating income to assets | 1.0909% | 1,807 |
| Return on assets (ROA) | 1.0909% | 1,879 |
| Pretax return on assets | 1.6837% | 1,048 |
| Return on Equity (ROE) | 7.2377% | 3,095 |
| Retained earnings to average equity (ytd only) | 2.0736% | 4,189 |
| Net charge-offs to loans | 0.0139% | 6,353 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 239.3333% | 171 |
| Efficiency ratio | 56.6948% | 7,027 |
| Assets per employee ($millions) | 3.2456% | 5,463 |
| Cash dividends to net income (ytd only)* | 71.3502% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 2,452 |
| Loan loss allowance to noncurrent loans | 68.6368% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 4,324 |
| Noncurrent loans to loans | 2.4312% | 2,973 |
| Net loans and leases to total assets | 50.2791% | 6,847 |
| Net loans and leases to deposits | 60.1189% | 6,880 |
| Net loans and leases to core deposits | 66.1795% | 7,205 |
| Total domestic deposits to total assets | 83.6328% | 3,950 |
| Equity capital to assets | 14.8984% | 1,056 |
| Core capital (leverage) ratio | 11.1912% | 2,266 |
| Tier 1 risk-based capital ratio | 20.7266% | 1,443 |
| Total risk-based capital ratio | 21.9503% | 1,406 |
| Memoranda: | ||
| Average total assets | $167,011,330 | 3,689 |
| Average earning assets | $150,238,670 | 3,740 |
| Average equity | $25,173,670 | 2,622 |
| Average total loans | $86,338,330 | 4,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0453% | 6,815 |
| Cost of funding earning assets | 1.1633% | 7,383 |
| Net interest margin | 3.8820% | 3,125 |
| Noninterest income to average assets | 0.5008% | 4,312 |
| Noninterest expense to average assets | 2.1766% | 6,928 |
| Loan and lease loss provision to assets | 0.0361% | 6,492 |
| Net operating income to assets | 1.1389% | 1,838 |
| Return on assets (ROA) | 1.1389% | 1,956 |
| Pretax return on assets | 1.7673% | 1,045 |
| Return on Equity (ROE) | 7.5114% | 3,377 |
| Retained earnings to average equity (ytd only) | 1.9533% | 4,771 |
| Net charge-offs to loans | 0.0278% | 5,138 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 124.8333% | 348 |
| Efficiency ratio | 54.6884% | 7,152 |
| Assets per employee ($millions) | 3.3108% | 5,297 |
| Cash dividends to net income (ytd only)* | 73.9958% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 2,370 |
| Loan loss allowance to noncurrent loans | 76.5717% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 4,377 |
| Noncurrent loans to loans | 2.1385% | 3,069 |
| Net loans and leases to total assets | 49.7189% | 6,888 |
| Net loans and leases to deposits | 59.3318% | 6,947 |
| Net loans and leases to core deposits | 64.9898% | 7,277 |
| Total domestic deposits to total assets | 83.7980% | 3,804 |
| Equity capital to assets | 14.6593% | 1,193 |
| Core capital (leverage) ratio | 11.3863% | 2,216 |
| Tier 1 risk-based capital ratio | 20.4195% | 1,540 |
| Total risk-based capital ratio | 21.6786% | 1,509 |
| Memoranda: | ||
| Average total assets | $166,132,000 | 3,725 |
| Average earning assets | $148,891,000 | 3,776 |
| Average equity | $25,188,500 | 2,630 |
| Average total loans | $86,359,500 | 4,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7608% | 6,558 |
| Cost of funding earning assets | 1.5043% | 7,603 |
| Net interest margin | 4.2565% | 2,098 |
| Noninterest income to average assets | 0.6042% | 3,816 |
| Noninterest expense to average assets | 2.1811% | 7,014 |
| Loan and lease loss provision to assets | 0.0968% | 6,150 |
| Net operating income to assets | 1.3752% | 1,291 |
| Return on assets (ROA) | 1.3752% | 1,241 |
| Pretax return on assets | 2.1324% | 457 |
| Return on Equity (ROE) | 8.9082% | 2,671 |
| Retained earnings to average equity (ytd only) | 0.9349% | 4,670 |
| Net charge-offs to loans | 0.1062% | 5,230 |
| Credit loss provision to net charge-offs | 176.1364% | 2,881 |
| Earnings coverage of net charge-offs (x) | 40.5455% | 914 |
| Efficiency ratio | 49.4546% | 7,695 |
| Assets per employee ($millions) | 3.0208% | 6,014 |
| Cash dividends to net income (ytd only)* | 89.5048% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,054 |
| Loan loss allowance to noncurrent loans | 73.8654% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 3,687 |
| Noncurrent loans to loans | 2.2370% | 2,461 |
| Net loans and leases to total assets | 52.6421% | 6,783 |
| Net loans and leases to deposits | 63.5687% | 6,836 |
| Net loans and leases to core deposits | 69.7590% | 7,204 |
| Total domestic deposits to total assets | 82.8114% | 3,850 |
| Equity capital to assets | 15.7021% | 995 |
| Core capital (leverage) ratio | 11.3609% | 2,329 |
| Tier 1 risk-based capital ratio | 21.0664% | 1,450 |
| Total risk-based capital ratio | 22.3217% | 1,422 |
| Memoranda: | ||
| Average total assets | $160,054,400 | 3,716 |
| Average earning assets | $143,122,800 | 3,783 |
| Average equity | $24,707,600 | 2,668 |
| Average total loans | $82,837,200 | 4,430 |