Home > PremierBank > Performance and Condition Ratios
PremierBank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 3,673 |
| Cost of funding earning assets | 1.2554% | 2,645 |
| Net interest margin | 2.9203% | 3,441 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.7899% | 1,532 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1651% | 4,200 |
| Return on assets (ROA) | 0.1725% | 4,210 |
| Pretax return on assets | 0.4894% | 3,831 |
| Return on Equity (ROE) | 2.4000% | 4,110 |
| Retained earnings to average equity (ytd only) | -1.6105% | 4,237 |
| Net charge-offs to loans | -0.0009% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.7497% | 629 |
| Assets per employee ($millions) | 5.0179% | 3,620 |
| Cash dividends to net income (ytd only)* | 167.0201% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 1,805 |
| Loan loss allowance to noncurrent loans | 538.9175% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,556 |
| Noncurrent loans to loans | 0.2399% | 2,349 |
| Net loans and leases to total assets | 59.4700% | 2,891 |
| Net loans and leases to deposits | 72.3019% | 2,738 |
| Net loans and leases to core deposits | 75.5908% | 3,004 |
| Total domestic deposits to total assets | 82.2500% | 3,077 |
| Equity capital to assets | 7.7334% | 3,585 |
| Core capital (leverage) ratio | 9.7918% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3825% | 1,727 |
| Memoranda: | ||
| Average total assets | $546,825,000 | 1,628 |
| Average earning assets | $497,622,400 | 1,643 |
| Average equity | $39,243,200 | 1,911 |
| Average total loans | $318,786,400 | 1,725 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,778 |
| Cost of funding earning assets | 1.1211% | 2,684 |
| Net interest margin | 2.9184% | 3,502 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.7377% | 1,574 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4790% | 3,806 |
| Return on assets (ROA) | 0.4867% | 3,794 |
| Pretax return on assets | 0.5233% | 3,869 |
| Return on Equity (ROE) | 6.9100% | 3,456 |
| Retained earnings to average equity (ytd only) | 5.3610% | 2,821 |
| Net charge-offs to loans | 0.0256% | 1,560 |
| Credit loss provision to net charge-offs | -457.3770% | 4,570 |
| Earnings coverage of net charge-offs (x) | 35.4426% | 1,513 |
| Efficiency ratio | 83.5355% | 641 |
| Assets per employee ($millions) | 5.0529% | 3,564 |
| Cash dividends to net income (ytd only)* | 22.4439% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 1,959 |
| Loan loss allowance to noncurrent loans | 419.7757% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,371 |
| Noncurrent loans to loans | 0.3051% | 2,141 |
| Net loans and leases to total assets | 59.2700% | 2,913 |
| Net loans and leases to deposits | 72.9287% | 2,651 |
| Net loans and leases to core deposits | 75.5937% | 2,893 |
| Total domestic deposits to total assets | 81.2700% | 3,339 |
| Equity capital to assets | 6.4648% | 3,842 |
| Core capital (leverage) ratio | 10.1242% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0124% | 1,559 |
| Memoranda: | ||
| Average total assets | $549,302,000 | 1,613 |
| Average earning assets | $499,844,250 | 1,636 |
| Average equity | $38,673,500 | 1,911 |
| Average total loans | $317,610,750 | 1,727 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,804 |
| Cost of funding earning assets | 0.9307% | 2,831 |
| Net interest margin | 3.0108% | 3,401 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7053% | 1,630 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5375% | 3,730 |
| Return on assets (ROA) | 0.5478% | 3,714 |
| Pretax return on assets | 0.6485% | 3,704 |
| Return on Equity (ROE) | 7.5800% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.3320% | 2,850 |
| Net charge-offs to loans | 0.0354% | 1,192 |
| Credit loss provision to net charge-offs | 71.4286% | 1,587 |
| Earnings coverage of net charge-offs (x) | 32.1786% | 1,517 |
| Efficiency ratio | 80.2453% | 826 |
| Assets per employee ($millions) | 5.1915% | 3,420 |
| Cash dividends to net income (ytd only)* | 29.6638% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,592 |
| Loan loss allowance to noncurrent loans | 447.4320% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,302 |
| Noncurrent loans to loans | 0.3091% | 2,033 |
| Net loans and leases to total assets | 57.0300% | 3,038 |
| Net loans and leases to deposits | 72.5165% | 2,610 |
| Net loans and leases to core deposits | 75.0975% | 2,823 |
| Total domestic deposits to total assets | 78.6500% | 3,765 |
| Equity capital to assets | 7.3582% | 3,603 |
| Core capital (leverage) ratio | 9.9575% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0407% | 1,565 |
| Memoranda: | ||
| Average total assets | $553,867,333 | 1,597 |
| Average earning assets | $504,975,333 | 1,617 |
| Average equity | $40,022,667 | 1,880 |
| Average total loans | $316,298,000 | 1,720 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 3,728 |
| Cost of funding earning assets | 0.7402% | 2,926 |
| Net interest margin | 3.1354% | 3,277 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6587% | 1,775 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6566% | 3,566 |
| Return on assets (ROA) | 0.6770% | 3,468 |
| Pretax return on assets | 0.8166% | 3,434 |
| Return on Equity (ROE) | 9.4600% | 2,931 |
| Retained earnings to average equity (ytd only) | 9.4553% | 1,823 |
| Net charge-offs to loans | -0.0025% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.2133% | 1,152 |
| Assets per employee ($millions) | 5.3047% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,570 |
| Loan loss allowance to noncurrent loans | 378.2645% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,061 |
| Noncurrent loans to loans | 0.3737% | 1,814 |
| Net loans and leases to total assets | 56.7600% | 2,980 |
| Net loans and leases to deposits | 70.7977% | 2,552 |
| Net loans and leases to core deposits | 72.5848% | 2,778 |
| Total domestic deposits to total assets | 80.1700% | 3,740 |
| Equity capital to assets | 7.6853% | 3,454 |
| Core capital (leverage) ratio | 9.8883% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2743% | 1,550 |
| Memoranda: | ||
| Average total assets | $553,057,000 | 1,617 |
| Average earning assets | $504,696,000 | 1,636 |
| Average equity | $39,597,000 | 1,917 |
| Average total loans | $313,822,000 | 1,745 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4355% | 3,249 |
| Cost of funding earning assets | 0.2518% | 3,305 |
| Net interest margin | 3.1837% | 2,918 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.4969% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8664% | 3,092 |
| Return on assets (ROA) | 0.9388% | 2,761 |
| Pretax return on assets | 1.1670% | 2,538 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.8030% | 1,537 |
| Net charge-offs to loans | 0.0094% | 2,025 |
| Credit loss provision to net charge-offs | 44.4444% | 1,844 |
| Earnings coverage of net charge-offs (x) | 215.7407% | 621 |
| Efficiency ratio | 69.4806% | 1,757 |
| Assets per employee ($millions) | 5.7157% | 3,017 |
| Cash dividends to net income (ytd only)* | 26.6272% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,381 |
| Loan loss allowance to noncurrent loans | 399.4624% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,163 |
| Noncurrent loans to loans | 0.3600% | 1,851 |
| Net loans and leases to total assets | 55.1100% | 3,112 |
| Net loans and leases to deposits | 65.2798% | 2,932 |
| Net loans and leases to core deposits | 66.3317% | 3,110 |
| Total domestic deposits to total assets | 84.4200% | 3,121 |
| Equity capital to assets | 6.6367% | 3,845 |
| Core capital (leverage) ratio | 9.8851% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5956% | 1,451 |
| Memoranda: | ||
| Average total assets | $540,032,000 | 1,631 |
| Average earning assets | $496,779,000 | 1,639 |
| Average equity | $42,258,200 | 1,851 |
| Average total loans | $286,828,000 | 1,782 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3157% | 3,134 |
| Cost of funding earning assets | 0.1455% | 3,891 |
| Net interest margin | 3.1702% | 2,710 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.4954% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8506% | 3,064 |
| Return on assets (ROA) | 0.9209% | 2,757 |
| Pretax return on assets | 1.1401% | 2,593 |
| Return on Equity (ROE) | 11.3200% | 2,261 |
| Retained earnings to average equity (ytd only) | 11.3238% | 961 |
| Net charge-offs to loans | 0.0133% | 1,624 |
| Credit loss provision to net charge-offs | 32.1429% | 1,598 |
| Earnings coverage of net charge-offs (x) | 151.6786% | 744 |
| Efficiency ratio | 69.9167% | 1,772 |
| Assets per employee ($millions) | 5.3891% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,401 |
| Loan loss allowance to noncurrent loans | 393.8108% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,181 |
| Noncurrent loans to loans | 0.3723% | 1,901 |
| Net loans and leases to total assets | 56.6800% | 2,833 |
| Net loans and leases to deposits | 67.1580% | 2,619 |
| Net loans and leases to core deposits | 68.0839% | 2,794 |
| Total domestic deposits to total assets | 84.4000% | 3,406 |
| Equity capital to assets | 6.2443% | 3,864 |
| Core capital (leverage) ratio | 9.8957% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1831% | 1,653 |
| Memoranda: | ||
| Average total assets | $536,434,750 | 1,653 |
| Average earning assets | $494,763,750 | 1,655 |
| Average equity | $43,624,000 | 1,831 |
| Average total loans | $281,032,250 | 1,803 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 3,088 |
| Cost of funding earning assets | 0.0915% | 4,277 |
| Net interest margin | 3.0934% | 2,553 |
| Noninterest income to average assets | 0.6317% | 1,611 |
| Noninterest expense to average assets | 2.4547% | 2,071 |
| Loan and lease loss provision to assets | 0.0022% | 2,569 |
| Net operating income to assets | 0.8307% | 2,849 |
| Return on assets (ROA) | 0.9377% | 2,389 |
| Pretax return on assets | 1.1643% | 2,192 |
| Return on Equity (ROE) | 10.7181% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.7181% | 843 |
| Net charge-offs to loans | 0.0468% | 924 |
| Credit loss provision to net charge-offs | 9.3750% | 1,635 |
| Earnings coverage of net charge-offs (x) | 43.5781% | 1,217 |
| Efficiency ratio | 69.9904% | 1,957 |
| Assets per employee ($millions) | 5.5904% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,442 |
| Loan loss allowance to noncurrent loans | 408.0407% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,301 |
| Noncurrent loans to loans | 0.3652% | 2,055 |
| Net loans and leases to total assets | 54.9618% | 2,867 |
| Net loans and leases to deposits | 66.3515% | 2,516 |
| Net loans and leases to core deposits | 67.3301% | 2,712 |
| Total domestic deposits to total assets | 82.8343% | 3,896 |
| Equity capital to assets | 7.1429% | 3,694 |
| Core capital (leverage) ratio | 9.9110% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9882% | 1,708 |
| Memoranda: | ||
| Average total assets | $539,202,000 | 1,656 |
| Average earning assets | $498,093,333 | 1,664 |
| Average equity | $47,172,667 | 1,756 |
| Average total loans | $273,441,667 | 1,838 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 3,030 |
| Cost of funding earning assets | 0.0836% | 4,311 |
| Net interest margin | 2.9994% | 2,507 |
| Noninterest income to average assets | 0.6236% | 1,590 |
| Noninterest expense to average assets | 2.4011% | 2,157 |
| Loan and lease loss provision to assets | 0.0022% | 2,256 |
| Net operating income to assets | 0.7990% | 2,660 |
| Return on assets (ROA) | 1.0087% | 1,840 |
| Pretax return on assets | 1.2576% | 1,633 |
| Return on Equity (ROE) | 10.5809% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.5809% | 880 |
| Net charge-offs to loans | -0.0015% | 3,068 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2773% | 2,193 |
| Assets per employee ($millions) | 5.6692% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,106 |
| Loan loss allowance to noncurrent loans | 369.3894% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,298 |
| Noncurrent loans to loans | 0.4516% | 1,900 |
| Net loans and leases to total assets | 49.0034% | 3,281 |
| Net loans and leases to deposits | 59.3315% | 2,968 |
| Net loans and leases to core deposits | 60.2635% | 3,120 |
| Total domestic deposits to total assets | 82.5925% | 4,003 |
| Equity capital to assets | 8.3876% | 3,251 |
| Core capital (leverage) ratio | 9.3577% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7435% | 1,573 |
| Memoranda: | ||
| Average total assets | $543,258,500 | 1,655 |
| Average earning assets | $502,640,500 | 1,663 |
| Average equity | $51,791,500 | 1,685 |
| Average total loans | $262,007,000 | 1,873 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 3,718 |
| Cost of funding earning assets | 0.0979% | 4,395 |
| Net interest margin | 2.9847% | 3,240 |
| Noninterest income to average assets | 0.8129% | 1,416 |
| Noninterest expense to average assets | 2.4004% | 2,490 |
| Loan and lease loss provision to assets | 0.0023% | 3,028 |
| Net operating income to assets | 0.9393% | 2,909 |
| Return on assets (ROA) | 1.0145% | 2,693 |
| Pretax return on assets | 1.2737% | 2,446 |
| Return on Equity (ROE) | 8.9077% | 2,952 |
| Retained earnings to average equity (ytd only) | 3.0240% | 3,624 |
| Net charge-offs to loans | -0.0052% | 3,560 |
| Credit loss provision to net charge-offs | -92.3077% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6418% | 2,174 |
| Assets per employee ($millions) | 5.8292% | 2,916 |
| Cash dividends to net income (ytd only)* | 66.0519% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 947 |
| Loan loss allowance to noncurrent loans | 325.7830% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 2,315 |
| Noncurrent loans to loans | 0.5371% | 1,785 |
| Net loans and leases to total assets | 45.8341% | 3,706 |
| Net loans and leases to deposits | 56.5828% | 3,377 |
| Net loans and leases to core deposits | 57.5813% | 3,509 |
| Total domestic deposits to total assets | 81.0036% | 4,106 |
| Equity capital to assets | 10.6598% | 2,039 |
| Core capital (leverage) ratio | 9.3065% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8649% | 1,560 |
| Memoranda: | ||
| Average total assets | $523,821,400 | 1,641 |
| Average earning assets | $486,077,600 | 1,647 |
| Average equity | $59,656,400 | 1,515 |
| Average total loans | $251,457,000 | 1,920 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 3,875 |
| Cost of funding earning assets | 0.1029% | 4,474 |
| Net interest margin | 2.9634% | 3,412 |
| Noninterest income to average assets | 0.8709% | 1,321 |
| Noninterest expense to average assets | 2.4081% | 2,414 |
| Loan and lease loss provision to assets | 0.0023% | 2,924 |
| Net operating income to assets | 0.9567% | 3,059 |
| Return on assets (ROA) | 1.0568% | 2,775 |
| Pretax return on assets | 1.3372% | 2,524 |
| Return on Equity (ROE) | 9.1246% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.3242% | 1,942 |
| Net charge-offs to loans | -0.0064% | 3,508 |
| Credit loss provision to net charge-offs | -75.0000% | 3,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1428% | 2,081 |
| Assets per employee ($millions) | 5.3310% | 3,377 |
| Cash dividends to net income (ytd only)* | 8.7719% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 1,026 |
| Loan loss allowance to noncurrent loans | 280.8925% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 2,262 |
| Noncurrent loans to loans | 0.6199% | 1,759 |
| Net loans and leases to total assets | 47.7829% | 3,643 |
| Net loans and leases to deposits | 60.6333% | 3,173 |
| Net loans and leases to core deposits | 61.7333% | 3,345 |
| Total domestic deposits to total assets | 78.8064% | 4,348 |
| Equity capital to assets | 11.4847% | 1,694 |
| Core capital (leverage) ratio | 9.7128% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1560% | 1,323 |
| Memoranda: | ||
| Average total assets | $517,790,250 | 1,668 |
| Average earning assets | $480,524,750 | 1,678 |
| Average equity | $59,968,000 | 1,537 |
| Average total loans | $250,416,500 | 1,955 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0296% | 3,989 |
| Cost of funding earning assets | 0.1058% | 4,532 |
| Net interest margin | 2.9238% | 3,520 |
| Noninterest income to average assets | 0.9206% | 1,215 |
| Noninterest expense to average assets | 2.4052% | 2,445 |
| Loan and lease loss provision to assets | 0.0023% | 2,827 |
| Net operating income to assets | 0.9541% | 3,050 |
| Return on assets (ROA) | 1.1052% | 2,593 |
| Pretax return on assets | 1.4116% | 2,296 |
| Return on Equity (ROE) | 9.5158% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.3109% | 1,970 |
| Net charge-offs to loans | -0.0105% | 3,684 |
| Credit loss provision to net charge-offs | -46.1538% | 2,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9344% | 2,164 |
| Assets per employee ($millions) | 5.1471% | 3,512 |
| Cash dividends to net income (ytd only)* | 12.6627% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 862 |
| Loan loss allowance to noncurrent loans | 279.1875% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 2,389 |
| Noncurrent loans to loans | 0.6494% | 1,790 |
| Net loans and leases to total assets | 46.0812% | 3,898 |
| Net loans and leases to deposits | 59.0624% | 3,460 |
| Net loans and leases to core deposits | 60.1918% | 3,606 |
| Total domestic deposits to total assets | 78.0212% | 4,431 |
| Equity capital to assets | 11.5294% | 1,611 |
| Core capital (leverage) ratio | 9.6885% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2711% | 1,272 |
| Memoranda: | ||
| Average total assets | $514,463,000 | 1,666 |
| Average earning assets | $476,361,667 | 1,682 |
| Average equity | $59,753,000 | 1,532 |
| Average total loans | $248,337,333 | 1,972 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 4,050 |
| Cost of funding earning assets | 0.1106% | 4,582 |
| Net interest margin | 2.9033% | 3,508 |
| Noninterest income to average assets | 1.0849% | 1,003 |
| Noninterest expense to average assets | 2.3347% | 2,689 |
| Loan and lease loss provision to assets | 0.0024% | 2,718 |
| Net operating income to assets | 1.0896% | 2,510 |
| Return on assets (ROA) | 1.3409% | 1,793 |
| Pretax return on assets | 1.7479% | 1,400 |
| Return on Equity (ROE) | 11.5018% | 2,190 |
| Retained earnings to average equity (ytd only) | 11.5018% | 1,271 |
| Net charge-offs to loans | 0.0048% | 1,739 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 607.6667% | 166 |
| Efficiency ratio | 61.6267% | 2,819 |
| Assets per employee ($millions) | 5.0278% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 821 |
| Loan loss allowance to noncurrent loans | 219.1133% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,103 |
| Noncurrent loans to loans | 0.8374% | 1,593 |
| Net loans and leases to total assets | 45.9491% | 3,959 |
| Net loans and leases to deposits | 58.6502% | 3,590 |
| Net loans and leases to core deposits | 59.9055% | 3,705 |
| Total domestic deposits to total assets | 78.3444% | 4,404 |
| Equity capital to assets | 11.3199% | 1,645 |
| Core capital (leverage) ratio | 9.6491% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9097% | 1,086 |
| Memoranda: | ||
| Average total assets | $509,191,500 | 1,664 |
| Average earning assets | $470,353,500 | 1,680 |
| Average equity | $59,364,500 | 1,529 |
| Average total loans | $249,308,000 | 1,968 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 3,758 |
| Cost of funding earning assets | 0.2198% | 4,507 |
| Net interest margin | 3.3989% | 2,780 |
| Noninterest income to average assets | 1.1697% | 800 |
| Noninterest expense to average assets | 2.5341% | 2,737 |
| Loan and lease loss provision to assets | 0.2269% | 1,719 |
| Net operating income to assets | 1.1997% | 1,557 |
| Return on assets (ROA) | 1.2205% | 1,592 |
| Pretax return on assets | 1.5812% | 1,113 |
| Return on Equity (ROE) | 9.9527% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.2868% | 1,667 |
| Net charge-offs to loans | 0.0088% | 3,015 |
| Credit loss provision to net charge-offs | 4,750.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 372.9545% | 293 |
| Efficiency ratio | 58.3727% | 3,674 |
| Assets per employee ($millions) | 4.8127% | 3,596 |
| Cash dividends to net income (ytd only)* | 36.8327% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 969 |
| Loan loss allowance to noncurrent loans | 195.1733% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,079 |
| Noncurrent loans to loans | 0.8895% | 1,583 |
| Net loans and leases to total assets | 50.3010% | 3,802 |
| Net loans and leases to deposits | 65.0136% | 3,361 |
| Net loans and leases to core deposits | 66.1714% | 3,528 |
| Total domestic deposits to total assets | 77.3700% | 4,377 |
| Equity capital to assets | 12.0090% | 1,562 |
| Core capital (leverage) ratio | 9.7289% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2227% | 1,207 |
| Memoranda: | ||
| Average total assets | $460,471,200 | 1,669 |
| Average earning assets | $426,259,400 | 1,673 |
| Average equity | $56,467,200 | 1,517 |
| Average total loans | $250,147,200 | 1,917 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 3,878 |
| Cost of funding earning assets | 0.2499% | 4,513 |
| Net interest margin | 3.4138% | 2,874 |
| Noninterest income to average assets | 0.9099% | 1,194 |
| Noninterest expense to average assets | 2.5632% | 2,650 |
| Loan and lease loss provision to assets | 0.2204% | 1,824 |
| Net operating income to assets | 1.0068% | 2,316 |
| Return on assets (ROA) | 1.0351% | 2,333 |
| Pretax return on assets | 1.3234% | 1,962 |
| Return on Equity (ROE) | 8.3923% | 2,651 |
| Retained earnings to average equity (ytd only) | 4.0726% | 3,009 |
| Net charge-offs to loans | 0.0113% | 2,704 |
| Credit loss provision to net charge-offs | 3,547.6190% | 300 |
| Earnings coverage of net charge-offs (x) | 242.6190% | 426 |
| Efficiency ratio | 62.5881% | 2,976 |
| Assets per employee ($millions) | 4.5295% | 3,811 |
| Cash dividends to net income (ytd only)* | 51.4727% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 1,103 |
| Loan loss allowance to noncurrent loans | 168.7271% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 2,076 |
| Noncurrent loans to loans | 0.9487% | 1,591 |
| Net loans and leases to total assets | 52.1364% | 3,957 |
| Net loans and leases to deposits | 69.9117% | 3,323 |
| Net loans and leases to core deposits | 71.2476% | 3,538 |
| Total domestic deposits to total assets | 74.5746% | 4,538 |
| Equity capital to assets | 11.8451% | 1,769 |
| Core capital (leverage) ratio | 9.7134% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6980% | 1,322 |
| Memoranda: | ||
| Average total assets | $450,459,750 | 1,673 |
| Average earning assets | $417,161,250 | 1,681 |
| Average equity | $55,557,250 | 1,528 |
| Average total loans | $248,630,750 | 1,928 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,005 |
| Cost of funding earning assets | 0.2895% | 4,514 |
| Net interest margin | 3.4502% | 2,944 |
| Noninterest income to average assets | 0.8721% | 1,232 |
| Noninterest expense to average assets | 2.6319% | 2,569 |
| Loan and lease loss provision to assets | 0.2034% | 2,020 |
| Net operating income to assets | 0.9496% | 2,492 |
| Return on assets (ROA) | 0.9933% | 2,481 |
| Pretax return on assets | 1.2735% | 2,118 |
| Return on Equity (ROE) | 7.9363% | 2,771 |
| Retained earnings to average equity (ytd only) | 1.3623% | 3,985 |
| Net charge-offs to loans | 0.0171% | 2,381 |
| Credit loss provision to net charge-offs | 2,119.0476% | 460 |
| Earnings coverage of net charge-offs (x) | 148.0952% | 540 |
| Efficiency ratio | 64.5467% | 2,739 |
| Assets per employee ($millions) | 4.5125% | 3,774 |
| Cash dividends to net income (ytd only)* | 82.8348% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,341 |
| Loan loss allowance to noncurrent loans | 162.8173% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,166 |
| Noncurrent loans to loans | 0.9068% | 1,693 |
| Net loans and leases to total assets | 54.7316% | 3,815 |
| Net loans and leases to deposits | 72.6125% | 3,203 |
| Net loans and leases to core deposits | 74.4064% | 3,423 |
| Total domestic deposits to total assets | 75.3748% | 4,486 |
| Equity capital to assets | 12.0287% | 1,636 |
| Core capital (leverage) ratio | 9.8603% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3467% | 1,171 |
| Memoranda: | ||
| Average total assets | $437,550,333 | 1,696 |
| Average earning assets | $403,453,000 | 1,702 |
| Average equity | $54,761,333 | 1,534 |
| Average total loans | $245,109,667 | 1,934 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,979 |
| Cost of funding earning assets | 0.3506% | 4,516 |
| Net interest margin | 3.5786% | 2,741 |
| Noninterest income to average assets | 0.8291% | 1,230 |
| Noninterest expense to average assets | 2.8619% | 2,236 |
| Loan and lease loss provision to assets | 0.1375% | 2,009 |
| Net operating income to assets | 0.8636% | 2,642 |
| Return on assets (ROA) | 0.9543% | 2,438 |
| Pretax return on assets | 1.2265% | 2,108 |
| Return on Equity (ROE) | 7.4633% | 2,755 |
| Retained earnings to average equity (ytd only) | -2.9230% | 4,346 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2201% | 2,477 |
| Assets per employee ($millions) | 4.0056% | 3,909 |
| Cash dividends to net income (ytd only)* | 139.1650% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,387 |
| Loan loss allowance to noncurrent loans | 184.2105% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 2,626 |
| Noncurrent loans to loans | 0.8068% | 1,992 |
| Net loans and leases to total assets | 56.2664% | 3,819 |
| Net loans and leases to deposits | 75.5916% | 3,108 |
| Net loans and leases to core deposits | 77.5452% | 3,388 |
| Total domestic deposits to total assets | 74.4348% | 4,628 |
| Equity capital to assets | 12.8807% | 1,505 |
| Core capital (leverage) ratio | 10.4083% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5171% | 1,463 |
| Memoranda: | ||
| Average total assets | $421,677,500 | 1,705 |
| Average earning assets | $386,743,500 | 1,717 |
| Average equity | $53,917,000 | 1,547 |
| Average total loans | $237,313,500 | 1,946 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 4,426 |
| Cost of funding earning assets | 0.4679% | 4,209 |
| Net interest margin | 3.4376% | 3,632 |
| Noninterest income to average assets | 0.7440% | 1,649 |
| Noninterest expense to average assets | 2.6926% | 2,902 |
| Loan and lease loss provision to assets | 0.0704% | 2,591 |
| Net operating income to assets | 0.8678% | 3,326 |
| Return on assets (ROA) | 1.0818% | 2,613 |
| Pretax return on assets | 1.4143% | 2,103 |
| Return on Equity (ROE) | 8.9713% | 2,770 |
| Retained earnings to average equity (ytd only) | 0.0175% | 4,687 |
| Net charge-offs to loans | 0.1184% | 1,564 |
| Credit loss provision to net charge-offs | 109.4891% | 2,274 |
| Earnings coverage of net charge-offs (x) | 18.8759% | 2,029 |
| Efficiency ratio | 68.5172% | 2,385 |
| Assets per employee ($millions) | 4.1046% | 3,766 |
| Cash dividends to net income (ytd only)* | 99.8047% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,336 |
| Loan loss allowance to noncurrent loans | 198.5507% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 2,765 |
| Noncurrent loans to loans | 0.7359% | 2,042 |
| Net loans and leases to total assets | 54.6358% | 4,036 |
| Net loans and leases to deposits | 69.7844% | 3,689 |
| Net loans and leases to core deposits | 71.5884% | 3,880 |
| Total domestic deposits to total assets | 78.2923% | 4,313 |
| Equity capital to assets | 12.6924% | 1,709 |
| Core capital (leverage) ratio | 10.6632% | 2,795 |
| Tier 1 risk-based capital ratio | 15.6211% | 2,537 |
| Total risk-based capital ratio | 16.8635% | 2,475 |
| Memoranda: | ||
| Average total assets | $426,062,400 | 1,645 |
| Average earning assets | $391,956,000 | 1,659 |
| Average equity | $51,375,000 | 1,561 |
| Average total loans | $231,441,200 | 1,949 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,571 |
| Cost of funding earning assets | 0.4882% | 4,189 |
| Net interest margin | 3.3871% | 3,893 |
| Noninterest income to average assets | 0.7368% | 1,634 |
| Noninterest expense to average assets | 2.7470% | 2,720 |
| Loan and lease loss provision to assets | 0.0562% | 2,784 |
| Net operating income to assets | 0.8037% | 3,662 |
| Return on assets (ROA) | 1.0885% | 2,709 |
| Pretax return on assets | 1.4189% | 2,237 |
| Return on Equity (ROE) | 9.1461% | 2,828 |
| Retained earnings to average equity (ytd only) | -2.9262% | 4,988 |
| Net charge-offs to loans | 0.1508% | 1,085 |
| Credit loss provision to net charge-offs | 68.9655% | 2,631 |
| Earnings coverage of net charge-offs (x) | 13.6744% | 2,276 |
| Efficiency ratio | 70.7214% | 2,016 |
| Assets per employee ($millions) | 4.1965% | 3,617 |
| Cash dividends to net income (ytd only)* | 131.9943% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,547 |
| Loan loss allowance to noncurrent loans | 203.6832% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,394 |
| Noncurrent loans to loans | 0.6914% | 2,231 |
| Net loans and leases to total assets | 54.8092% | 4,111 |
| Net loans and leases to deposits | 74.6229% | 3,424 |
| Net loans and leases to core deposits | 76.1378% | 3,691 |
| Total domestic deposits to total assets | 73.4482% | 4,839 |
| Equity capital to assets | 12.4123% | 1,974 |
| Core capital (leverage) ratio | 10.1137% | 3,518 |
| Tier 1 risk-based capital ratio | 15.2103% | 2,754 |
| Total risk-based capital ratio | 16.4141% | 2,700 |
| Memoranda: | ||
| Average total assets | $426,885,000 | 1,648 |
| Average earning assets | $393,838,500 | 1,665 |
| Average equity | $50,803,750 | 1,579 |
| Average total loans | $230,699,000 | 1,966 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,697 |
| Cost of funding earning assets | 0.4834% | 4,189 |
| Net interest margin | 3.3309% | 4,076 |
| Noninterest income to average assets | 0.7133% | 1,665 |
| Noninterest expense to average assets | 2.7362% | 2,799 |
| Loan and lease loss provision to assets | 0.0280% | 3,262 |
| Net operating income to assets | 0.7647% | 3,772 |
| Return on assets (ROA) | 1.1816% | 2,283 |
| Pretax return on assets | 1.5555% | 1,679 |
| Return on Equity (ROE) | 10.0713% | 2,355 |
| Retained earnings to average equity (ytd only) | -8.2547% | 5,140 |
| Net charge-offs to loans | 0.1161% | 1,271 |
| Credit loss provision to net charge-offs | 45.1128% | 2,506 |
| Earnings coverage of net charge-offs (x) | 16.9850% | 1,908 |
| Efficiency ratio | 71.7367% | 1,956 |
| Assets per employee ($millions) | 4.2726% | 3,475 |
| Cash dividends to net income (ytd only)* | 181.9620% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,414 |
| Loan loss allowance to noncurrent loans | 144.2950% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,322 |
| Noncurrent loans to loans | 1.0056% | 1,630 |
| Net loans and leases to total assets | 52.8722% | 4,298 |
| Net loans and leases to deposits | 72.2401% | 3,668 |
| Net loans and leases to core deposits | 73.6790% | 3,911 |
| Total domestic deposits to total assets | 73.1895% | 4,890 |
| Equity capital to assets | 11.9662% | 2,209 |
| Core capital (leverage) ratio | 9.9015% | 3,702 |
| Tier 1 risk-based capital ratio | 14.8886% | 2,887 |
| Total risk-based capital ratio | 16.0979% | 2,822 |
| Memoranda: | ||
| Average total assets | $427,897,670 | 1,645 |
| Average earning assets | $395,510,000 | 1,651 |
| Average equity | $50,202,000 | 1,587 |
| Average total loans | $229,057,000 | 1,985 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,757 |
| Cost of funding earning assets | 0.4460% | 4,308 |
| Net interest margin | 3.3191% | 4,117 |
| Noninterest income to average assets | 0.7071% | 1,585 |
| Noninterest expense to average assets | 2.7463% | 2,756 |
| Loan and lease loss provision to assets | 0.0280% | 3,050 |
| Net operating income to assets | 0.7744% | 3,703 |
| Return on assets (ROA) | 0.7744% | 3,748 |
| Pretax return on assets | 1.0126% | 3,402 |
| Return on Equity (ROE) | 6.6667% | 3,783 |
| Retained earnings to average equity (ytd only) | -23.8922% | 5,281 |
| Net charge-offs to loans | 0.1939% | 720 |
| Credit loss provision to net charge-offs | 27.0270% | 2,103 |
| Earnings coverage of net charge-offs (x) | 10.0360% | 1,981 |
| Efficiency ratio | 72.1016% | 2,029 |
| Assets per employee ($millions) | 4.2880% | 3,501 |
| Cash dividends to net income (ytd only)* | 458.3836% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,539 |
| Loan loss allowance to noncurrent loans | 143.6986% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,466 |
| Noncurrent loans to loans | 1.0019% | 1,666 |
| Net loans and leases to total assets | 53.5050% | 4,237 |
| Net loans and leases to deposits | 69.3165% | 3,824 |
| Net loans and leases to core deposits | 70.5734% | 4,050 |
| Total domestic deposits to total assets | 77.1893% | 4,635 |
| Equity capital to assets | 11.5728% | 2,329 |
| Core capital (leverage) ratio | 9.6754% | 3,944 |
| Tier 1 risk-based capital ratio | 13.9650% | 3,354 |
| Total risk-based capital ratio | 15.1224% | 3,321 |
| Memoranda: | ||
| Average total assets | $428,219,000 | 1,645 |
| Average earning assets | $397,336,000 | 1,649 |
| Average equity | $49,740,000 | 1,587 |
| Average total loans | $228,973,000 | 1,999 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 4,775 |
| Cost of funding earning assets | 0.2971% | 4,587 |
| Net interest margin | 3.3255% | 4,190 |
| Noninterest income to average assets | 0.6694% | 1,965 |
| Noninterest expense to average assets | 2.6372% | 3,219 |
| Loan and lease loss provision to assets | 0.0192% | 3,782 |
| Net operating income to assets | 0.8396% | 3,650 |
| Return on assets (ROA) | 0.8205% | 3,729 |
| Pretax return on assets | 1.0660% | 3,390 |
| Return on Equity (ROE) | 6.8778% | 3,868 |
| Retained earnings to average equity (ytd only) | 1.2286% | 4,641 |
| Net charge-offs to loans | -0.0513% | 4,982 |
| Credit loss provision to net charge-offs | -69.5652% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9546% | 2,195 |
| Assets per employee ($millions) | 4.3629% | 3,361 |
| Cash dividends to net income (ytd only)* | 82.1366% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,312 |
| Loan loss allowance to noncurrent loans | 184.5277% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,854 |
| Noncurrent loans to loans | 0.8097% | 1,984 |
| Net loans and leases to total assets | 51.8825% | 4,416 |
| Net loans and leases to deposits | 65.5900% | 4,148 |
| Net loans and leases to core deposits | 66.5021% | 4,327 |
| Total domestic deposits to total assets | 79.1013% | 4,293 |
| Equity capital to assets | 11.6576% | 2,132 |
| Core capital (leverage) ratio | 10.6291% | 2,908 |
| Tier 1 risk-based capital ratio | 15.2097% | 2,735 |
| Total risk-based capital ratio | 16.4123% | 2,688 |
| Memoranda: | ||
| Average total assets | $417,531,800 | 1,643 |
| Average earning assets | $386,345,800 | 1,640 |
| Average equity | $49,812,600 | 1,525 |
| Average total loans | $224,063,400 | 1,997 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 4,858 |
| Cost of funding earning assets | 0.2676% | 4,689 |
| Net interest margin | 3.2955% | 4,288 |
| Noninterest income to average assets | 0.6690% | 1,980 |
| Noninterest expense to average assets | 2.6931% | 2,994 |
| Loan and lease loss provision to assets | 0.0193% | 3,619 |
| Net operating income to assets | 0.7801% | 3,975 |
| Return on assets (ROA) | 0.7544% | 4,073 |
| Pretax return on assets | 0.9747% | 3,803 |
| Return on Equity (ROE) | 6.2857% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.4010% | 4,748 |
| Net charge-offs to loans | -0.0627% | 5,015 |
| Credit loss provision to net charge-offs | -57.1429% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9605% | 1,885 |
| Assets per employee ($millions) | 4.1283% | 3,684 |
| Cash dividends to net income (ytd only)* | 77.7115% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 1,375 |
| Loan loss allowance to noncurrent loans | 152.9973% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,573 |
| Noncurrent loans to loans | 0.9752% | 1,744 |
| Net loans and leases to total assets | 54.4255% | 4,335 |
| Net loans and leases to deposits | 69.6874% | 3,942 |
| Net loans and leases to core deposits | 71.1478% | 4,124 |
| Total domestic deposits to total assets | 78.0994% | 4,472 |
| Equity capital to assets | 11.9906% | 1,912 |
| Core capital (leverage) ratio | 10.6929% | 2,890 |
| Tier 1 risk-based capital ratio | 16.2524% | 2,353 |
| Total risk-based capital ratio | 17.5025% | 2,298 |
| Memoranda: | ||
| Average total assets | $413,933,250 | 1,659 |
| Average earning assets | $383,184,750 | 1,666 |
| Average equity | $49,677,750 | 1,535 |
| Average total loans | $223,206,000 | 2,004 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 4,918 |
| Cost of funding earning assets | 0.2312% | 4,844 |
| Net interest margin | 3.2712% | 4,332 |
| Noninterest income to average assets | 0.6635% | 2,035 |
| Noninterest expense to average assets | 2.7031% | 3,006 |
| Loan and lease loss provision to assets | 0.0289% | 3,333 |
| Net operating income to assets | 0.7423% | 4,060 |
| Return on assets (ROA) | 0.7039% | 4,186 |
| Pretax return on assets | 0.9060% | 3,945 |
| Return on Equity (ROE) | 5.8635% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.6753% | 4,578 |
| Net charge-offs to loans | -0.0846% | 5,106 |
| Credit loss provision to net charge-offs | -63.8298% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8791% | 1,866 |
| Assets per employee ($millions) | 4.2002% | 3,583 |
| Cash dividends to net income (ytd only)* | 71.4286% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,377 |
| Loan loss allowance to noncurrent loans | 123.0938% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,260 |
| Noncurrent loans to loans | 1.2239% | 1,413 |
| Net loans and leases to total assets | 52.7934% | 4,425 |
| Net loans and leases to deposits | 68.2034% | 4,002 |
| Net loans and leases to core deposits | 69.3429% | 4,181 |
| Total domestic deposits to total assets | 77.4058% | 4,676 |
| Equity capital to assets | 11.9366% | 1,896 |
| Core capital (leverage) ratio | 10.6969% | 2,811 |
| Tier 1 risk-based capital ratio | 16.1528% | 2,388 |
| Total risk-based capital ratio | 17.4028% | 2,320 |
| Memoranda: | ||
| Average total assets | $415,677,000 | 1,657 |
| Average earning assets | $384,143,330 | 1,664 |
| Average equity | $49,901,670 | 1,528 |
| Average total loans | $222,339,000 | 2,015 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 4,906 |
| Cost of funding earning assets | 0.2036% | 4,997 |
| Net interest margin | 3.2803% | 4,236 |
| Noninterest income to average assets | 0.6391% | 2,080 |
| Noninterest expense to average assets | 2.7796% | 2,773 |
| Loan and lease loss provision to assets | 0.0433% | 2,892 |
| Net operating income to assets | 0.6564% | 4,254 |
| Return on assets (ROA) | 0.6564% | 4,265 |
| Pretax return on assets | 0.8402% | 4,052 |
| Return on Equity (ROE) | 5.4522% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.3344% | 4,231 |
| Net charge-offs to loans | -0.0991% | 5,201 |
| Credit loss provision to net charge-offs | -81.8182% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4335% | 1,683 |
| Assets per employee ($millions) | 4.0741% | 3,846 |
| Cash dividends to net income (ytd only)* | 57.1848% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,515 |
| Loan loss allowance to noncurrent loans | 118.8062% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,273 |
| Noncurrent loans to loans | 1.2496% | 1,448 |
| Net loans and leases to total assets | 53.8128% | 4,304 |
| Net loans and leases to deposits | 70.0344% | 3,782 |
| Net loans and leases to core deposits | 71.7960% | 3,981 |
| Total domestic deposits to total assets | 76.8377% | 4,878 |
| Equity capital to assets | 12.1771% | 1,673 |
| Core capital (leverage) ratio | 10.4762% | 2,973 |
| Tier 1 risk-based capital ratio | 16.1759% | 2,401 |
| Total risk-based capital ratio | 17.4259% | 2,355 |
| Memoranda: | ||
| Average total assets | $415,604,000 | 1,663 |
| Average earning assets | $383,136,500 | 1,683 |
| Average equity | $50,035,000 | 1,531 |
| Average total loans | $222,066,000 | 2,020 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,721 |
| Cost of funding earning assets | 0.1819% | 5,080 |
| Net interest margin | 3.3558% | 3,989 |
| Noninterest income to average assets | 0.7510% | 1,769 |
| Noninterest expense to average assets | 2.8919% | 2,482 |
| Loan and lease loss provision to assets | 0.0510% | 3,202 |
| Net operating income to assets | 0.5684% | 4,152 |
| Return on assets (ROA) | 0.5627% | 4,212 |
| Pretax return on assets | 0.8809% | 3,974 |
| Return on Equity (ROE) | 4.3055% | 4,405 |
| Retained earnings to average equity (ytd only) | -7.5844% | 5,495 |
| Net charge-offs to loans | -0.0125% | 4,847 |
| Credit loss provision to net charge-offs | -720.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2493% | 1,725 |
| Assets per employee ($millions) | 4.5569% | 3,101 |
| Cash dividends to net income (ytd only)* | 276.1569% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,597 |
| Loan loss allowance to noncurrent loans | 90.8421% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 1,873 |
| Noncurrent loans to loans | 1.5917% | 1,055 |
| Net loans and leases to total assets | 51.5305% | 4,550 |
| Net loans and leases to deposits | 64.9755% | 4,262 |
| Net loans and leases to core deposits | 66.4636% | 4,391 |
| Total domestic deposits to total assets | 79.3075% | 4,477 |
| Equity capital to assets | 11.9064% | 1,905 |
| Core capital (leverage) ratio | 10.7393% | 2,602 |
| Tier 1 risk-based capital ratio | 16.4164% | 2,297 |
| Total risk-based capital ratio | 17.6445% | 2,235 |
| Memoranda: | ||
| Average total assets | $353,266,600 | 1,901 |
| Average earning assets | $324,398,400 | 1,917 |
| Average equity | $46,173,600 | 1,632 |
| Average total loans | $199,992,400 | 2,156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,838 |
| Cost of funding earning assets | 0.1749% | 5,165 |
| Net interest margin | 3.3105% | 4,133 |
| Noninterest income to average assets | 0.7969% | 1,607 |
| Noninterest expense to average assets | 2.9237% | 2,325 |
| Loan and lease loss provision to assets | 0.0536% | 3,024 |
| Net operating income to assets | 0.6201% | 4,314 |
| Return on assets (ROA) | 0.6189% | 4,361 |
| Pretax return on assets | 0.8624% | 4,166 |
| Return on Equity (ROE) | 4.6057% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.3709% | 4,462 |
| Net charge-offs to loans | 0.0164% | 3,190 |
| Credit loss provision to net charge-offs | 562.5000% | 565 |
| Earnings coverage of net charge-offs (x) | 96.2475% | 707 |
| Efficiency ratio | 76.1117% | 1,571 |
| Assets per employee ($millions) | 4.3532% | 3,386 |
| Cash dividends to net income (ytd only)* | 48.5236% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,749 |
| Loan loss allowance to noncurrent loans | 82.9997% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 1,848 |
| Noncurrent loans to loans | 1.7323% | 1,041 |
| Net loans and leases to total assets | 52.6619% | 4,525 |
| Net loans and leases to deposits | 67.0095% | 4,179 |
| Net loans and leases to core deposits | 68.5489% | 4,330 |
| Total domestic deposits to total assets | 78.5887% | 4,612 |
| Equity capital to assets | 12.6674% | 1,570 |
| Core capital (leverage) ratio | 13.4848% | 1,026 |
| Tier 1 risk-based capital ratio | 16.1752% | 2,427 |
| Total risk-based capital ratio | 17.3804% | 2,390 |
| Memoranda: | ||
| Average total assets | $335,634,250 | 1,989 |
| Average earning assets | $308,665,750 | 2,007 |
| Average equity | $45,102,250 | 1,674 |
| Average total loans | $194,593,500 | 2,213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,571 |
| Cost of funding earning assets | 0.1713% | 5,197 |
| Net interest margin | 3.4061% | 3,754 |
| Noninterest income to average assets | 0.8305% | 1,466 |
| Noninterest expense to average assets | 2.8442% | 2,605 |
| Loan and lease loss provision to assets | 0.0576% | 2,821 |
| Net operating income to assets | 0.7275% | 3,723 |
| Return on assets (ROA) | 0.7275% | 3,787 |
| Pretax return on assets | 1.0590% | 3,345 |
| Return on Equity (ROE) | 5.2832% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.7704% | 4,542 |
| Net charge-offs to loans | 0.0769% | 1,853 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 24.2361% | 1,652 |
| Efficiency ratio | 71.8094% | 2,380 |
| Assets per employee ($millions) | 4.1345% | 3,734 |
| Cash dividends to net income (ytd only)* | 66.4908% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,282 |
| Loan loss allowance to noncurrent loans | 85.1016% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 1,562 |
| Noncurrent loans to loans | 1.8691% | 943 |
| Net loans and leases to total assets | 58.6094% | 3,966 |
| Net loans and leases to deposits | 76.7575% | 3,249 |
| Net loans and leases to core deposits | 78.2413% | 3,575 |
| Total domestic deposits to total assets | 76.3566% | 5,048 |
| Equity capital to assets | 13.6302% | 1,097 |
| Core capital (leverage) ratio | 11.9533% | 1,658 |
| Tier 1 risk-based capital ratio | 14.5497% | 3,135 |
| Total risk-based capital ratio | 15.7963% | 3,061 |
| Memoranda: | ||
| Average total assets | $312,564,670 | 2,117 |
| Average earning assets | $287,246,000 | 2,129 |
| Average equity | $43,042,000 | 1,739 |
| Average total loans | $187,355,330 | 2,278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,191 |
| Cost of funding earning assets | 0.1731% | 5,211 |
| Net interest margin | 3.5000% | 3,274 |
| Noninterest income to average assets | 0.8435% | 1,423 |
| Noninterest expense to average assets | 2.9180% | 2,404 |
| Loan and lease loss provision to assets | 0.0581% | 2,643 |
| Net operating income to assets | 0.7466% | 3,491 |
| Return on assets (ROA) | 0.7466% | 3,543 |
| Pretax return on assets | 1.0799% | 3,062 |
| Return on Equity (ROE) | 5.3935% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.3935% | 2,667 |
| Net charge-offs to loans | -0.0967% | 5,440 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9427% | 2,587 |
| Assets per employee ($millions) | 4.1641% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 1,236 |
| Loan loss allowance to noncurrent loans | 136.2594% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 2,423 |
| Noncurrent loans to loans | 1.2157% | 1,667 |
| Net loans and leases to total assets | 60.3280% | 3,751 |
| Net loans and leases to deposits | 79.7250% | 2,781 |
| Net loans and leases to core deposits | 81.1743% | 3,179 |
| Total domestic deposits to total assets | 75.6701% | 5,264 |
| Equity capital to assets | 14.2338% | 840 |
| Core capital (leverage) ratio | 11.8393% | 1,728 |
| Tier 1 risk-based capital ratio | 15.2490% | 2,855 |
| Total risk-based capital ratio | 16.5001% | 2,795 |
| Memoranda: | ||
| Average total assets | $309,667,000 | 2,155 |
| Average earning assets | $284,231,000 | 2,169 |
| Average equity | $42,866,500 | 1,745 |
| Average total loans | $186,230,500 | 2,305 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 4,506 |
| Cost of funding earning assets | 0.1734% | 5,259 |
| Net interest margin | 3.4271% | 3,720 |
| Noninterest income to average assets | 1.0142% | 1,103 |
| Noninterest expense to average assets | 2.7689% | 3,122 |
| Loan and lease loss provision to assets | 0.2219% | 987 |
| Net operating income to assets | 0.7735% | 3,435 |
| Return on assets (ROA) | 0.7858% | 3,474 |
| Pretax return on assets | 1.1702% | 2,808 |
| Return on Equity (ROE) | 5.5390% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.5291% | 5,118 |
| Net charge-offs to loans | 0.0107% | 3,910 |
| Credit loss provision to net charge-offs | 3,578.9474% | 122 |
| Earnings coverage of net charge-offs (x) | 221.5789% | 315 |
| Efficiency ratio | 66.8373% | 3,459 |
| Assets per employee ($millions) | 3.9419% | 4,071 |
| Cash dividends to net income (ytd only)* | 90.4485% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,345 |
| Loan loss allowance to noncurrent loans | 106.9950% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 2,131 |
| Noncurrent loans to loans | 1.5066% | 1,326 |
| Net loans and leases to total assets | 58.0265% | 4,066 |
| Net loans and leases to deposits | 74.1224% | 3,501 |
| Net loans and leases to core deposits | 75.1523% | 3,828 |
| Total domestic deposits to total assets | 78.2847% | 4,933 |
| Equity capital to assets | 13.4658% | 1,067 |
| Core capital (leverage) ratio | 11.7648% | 1,745 |
| Tier 1 risk-based capital ratio | 15.2361% | 2,868 |
| Total risk-based capital ratio | 16.4867% | 2,802 |
| Memoranda: | ||
| Average total assets | $306,444,800 | 2,132 |
| Average earning assets | $279,741,000 | 2,154 |
| Average equity | $43,473,600 | 1,707 |
| Average total loans | $178,165,800 | 2,331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,570 |
| Cost of funding earning assets | 0.1748% | 5,306 |
| Net interest margin | 3.4191% | 3,774 |
| Noninterest income to average assets | 1.0269% | 1,088 |
| Noninterest expense to average assets | 2.8672% | 2,755 |
| Loan and lease loss provision to assets | 0.2191% | 951 |
| Net operating income to assets | 0.7034% | 3,824 |
| Return on assets (ROA) | 0.7196% | 3,881 |
| Pretax return on assets | 1.0852% | 3,296 |
| Return on Equity (ROE) | 5.0068% | 4,515 |
| Retained earnings to average equity (ytd only) | 3.0675% | 4,077 |
| Net charge-offs to loans | 0.0469% | 2,705 |
| Credit loss provision to net charge-offs | 806.4516% | 499 |
| Earnings coverage of net charge-offs (x) | 47.0994% | 1,125 |
| Efficiency ratio | 69.1397% | 3,022 |
| Assets per employee ($millions) | 4.1559% | 3,680 |
| Cash dividends to net income (ytd only)* | 38.7333% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 1,691 |
| Loan loss allowance to noncurrent loans | 79.2690% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,742 |
| Noncurrent loans to loans | 1.9181% | 1,039 |
| Net loans and leases to total assets | 59.2671% | 3,973 |
| Net loans and leases to deposits | 78.3529% | 3,152 |
| Net loans and leases to core deposits | 79.7641% | 3,469 |
| Total domestic deposits to total assets | 75.6412% | 5,271 |
| Equity capital to assets | 14.6143% | 837 |
| Core capital (leverage) ratio | 12.1631% | 1,566 |
| Tier 1 risk-based capital ratio | 15.7496% | 2,724 |
| Total risk-based capital ratio | 16.9775% | 2,677 |
| Memoranda: | ||
| Average total assets | $304,217,500 | 2,152 |
| Average earning assets | $277,610,500 | 2,177 |
| Average equity | $43,725,750 | 1,708 |
| Average total loans | $176,210,500 | 2,353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 4,574 |
| Cost of funding earning assets | 0.1774% | 5,350 |
| Net interest margin | 3.4279% | 3,767 |
| Noninterest income to average assets | 0.9957% | 1,129 |
| Noninterest expense to average assets | 2.9373% | 2,556 |
| Loan and lease loss provision to assets | 0.2102% | 1,018 |
| Net operating income to assets | 0.6358% | 4,115 |
| Return on assets (ROA) | 0.6601% | 4,141 |
| Pretax return on assets | 1.0069% | 3,552 |
| Return on Equity (ROE) | 4.6184% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.6957% | 4,707 |
| Net charge-offs to loans | 0.1126% | 1,701 |
| Credit loss provision to net charge-offs | 326.5306% | 906 |
| Earnings coverage of net charge-offs (x) | 18.3367% | 1,830 |
| Efficiency ratio | 71.3351% | 2,771 |
| Assets per employee ($millions) | 4.2249% | 3,513 |
| Cash dividends to net income (ytd only)* | 63.2836% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,152 |
| Loan loss allowance to noncurrent loans | 87.1638% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 1,975 |
| Noncurrent loans to loans | 1.6421% | 1,302 |
| Net loans and leases to total assets | 58.7739% | 4,042 |
| Net loans and leases to deposits | 77.6287% | 3,191 |
| Net loans and leases to core deposits | 78.9338% | 3,559 |
| Total domestic deposits to total assets | 75.7115% | 5,322 |
| Equity capital to assets | 14.5817% | 849 |
| Core capital (leverage) ratio | 11.8796% | 1,713 |
| Tier 1 risk-based capital ratio | 15.8845% | 2,696 |
| Total risk-based capital ratio | 17.0474% | 2,677 |
| Memoranda: | ||
| Average total assets | $304,496,330 | 2,152 |
| Average earning assets | $277,315,330 | 2,185 |
| Average equity | $43,522,000 | 1,718 |
| Average total loans | $174,087,000 | 2,374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 4,842 |
| Cost of funding earning assets | 0.1771% | 5,397 |
| Net interest margin | 3.3443% | 4,066 |
| Noninterest income to average assets | 1.2127% | 735 |
| Noninterest expense to average assets | 3.0382% | 2,276 |
| Loan and lease loss provision to assets | 0.1826% | 1,098 |
| Net operating income to assets | 0.6898% | 3,764 |
| Return on assets (ROA) | 0.6898% | 3,876 |
| Pretax return on assets | 1.0210% | 3,400 |
| Return on Equity (ROE) | 4.8741% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.8741% | 3,016 |
| Net charge-offs to loans | 0.2796% | 756 |
| Credit loss provision to net charge-offs | 116.6667% | 1,462 |
| Earnings coverage of net charge-offs (x) | 7.6917% | 2,128 |
| Efficiency ratio | 71.6262% | 2,851 |
| Assets per employee ($millions) | 4.5991% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,617 |
| Loan loss allowance to noncurrent loans | 58.7049% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.1948% | 752 |
| Noncurrent loans to loans | 2.3134% | 862 |
| Net loans and leases to total assets | 55.5570% | 4,303 |
| Net loans and leases to deposits | 76.3991% | 3,174 |
| Net loans and leases to core deposits | 77.5403% | 3,540 |
| Total domestic deposits to total assets | 72.7195% | 5,730 |
| Equity capital to assets | 14.2379% | 903 |
| Core capital (leverage) ratio | 11.9742% | 1,624 |
| Tier 1 risk-based capital ratio | 16.0035% | 2,682 |
| Total risk-based capital ratio | 17.0773% | 2,700 |
| Memoranda: | ||
| Average total assets | $306,762,000 | 2,145 |
| Average earning assets | $277,847,000 | 2,195 |
| Average equity | $43,413,000 | 1,717 |
| Average total loans | $171,700,000 | 2,389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 4,312 |
| Cost of funding earning assets | 0.2830% | 4,445 |
| Net interest margin | 3.4372% | 3,764 |
| Noninterest income to average assets | 1.1167% | 942 |
| Noninterest expense to average assets | 2.9942% | 2,567 |
| Loan and lease loss provision to assets | 0.1814% | 1,248 |
| Net operating income to assets | 0.7130% | 3,750 |
| Return on assets (ROA) | 0.7130% | 3,862 |
| Pretax return on assets | 1.0424% | 3,299 |
| Return on Equity (ROE) | 4.8811% | 4,563 |
| Retained earnings to average equity (ytd only) | -1.3406% | 5,696 |
| Net charge-offs to loans | 0.5437% | 469 |
| Credit loss provision to net charge-offs | 59.3612% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.0055% | 3,623 |
| Efficiency ratio | 70.9876% | 3,074 |
| Assets per employee ($millions) | 4.1833% | 3,598 |
| Cash dividends to net income (ytd only)* | 127.4658% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,528 |
| Loan loss allowance to noncurrent loans | 55.1285% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.4379% | 641 |
| Noncurrent loans to loans | 2.4969% | 734 |
| Net loans and leases to total assets | 54.8528% | 4,411 |
| Net loans and leases to deposits | 70.4721% | 3,870 |
| Net loans and leases to core deposits | 71.4624% | 4,181 |
| Total domestic deposits to total assets | 77.8362% | 5,200 |
| Equity capital to assets | 14.0654% | 910 |
| Core capital (leverage) ratio | 12.1616% | 1,523 |
| Tier 1 risk-based capital ratio | 17.6405% | 2,077 |
| Total risk-based capital ratio | 18.8325% | 2,051 |
| Memoranda: | ||
| Average total assets | $297,204,200 | 2,165 |
| Average earning assets | $268,151,800 | 2,217 |
| Average equity | $43,412,400 | 1,694 |
| Average total loans | $167,008,600 | 2,382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,297 |
| Cost of funding earning assets | 0.2958% | 4,386 |
| Net interest margin | 3.4429% | 3,782 |
| Noninterest income to average assets | 1.2982% | 715 |
| Noninterest expense to average assets | 2.9836% | 2,579 |
| Loan and lease loss provision to assets | 0.1757% | 1,205 |
| Net operating income to assets | 0.9062% | 2,937 |
| Return on assets (ROA) | 0.9062% | 3,026 |
| Pretax return on assets | 1.2513% | 2,596 |
| Return on Equity (ROE) | 6.1447% | 4,088 |
| Retained earnings to average equity (ytd only) | 1.6602% | 5,035 |
| Net charge-offs to loans | 0.5893% | 378 |
| Credit loss provision to net charge-offs | 52.9252% | 3,004 |
| Earnings coverage of net charge-offs (x) | 4.2979% | 3,373 |
| Efficiency ratio | 67.6465% | 3,606 |
| Assets per employee ($millions) | 4.1569% | 3,603 |
| Cash dividends to net income (ytd only)* | 72.9810% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 2,539 |
| Loan loss allowance to noncurrent loans | 54.0788% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.6682% | 616 |
| Noncurrent loans to loans | 2.6103% | 755 |
| Net loans and leases to total assets | 56.6446% | 4,286 |
| Net loans and leases to deposits | 76.1134% | 3,289 |
| Net loans and leases to core deposits | 78.4082% | 3,569 |
| Total domestic deposits to total assets | 74.4214% | 5,672 |
| Equity capital to assets | 15.1927% | 699 |
| Core capital (leverage) ratio | 12.3957% | 1,466 |
| Tier 1 risk-based capital ratio | 16.7257% | 2,468 |
| Total risk-based capital ratio | 17.8307% | 2,491 |
| Memoranda: | ||
| Average total assets | $295,160,000 | 2,191 |
| Average earning assets | $266,825,000 | 2,235 |
| Average equity | $43,527,250 | 1,701 |
| Average total loans | $166,298,750 | 2,410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,237 |
| Cost of funding earning assets | 0.2968% | 4,429 |
| Net interest margin | 3.4530% | 3,691 |
| Noninterest income to average assets | 1.1924% | 852 |
| Noninterest expense to average assets | 2.9681% | 2,658 |
| Loan and lease loss provision to assets | 0.1747% | 1,190 |
| Net operating income to assets | 0.8174% | 3,297 |
| Return on assets (ROA) | 0.8174% | 3,404 |
| Pretax return on assets | 1.1647% | 2,916 |
| Return on Equity (ROE) | 5.5981% | 4,321 |
| Retained earnings to average equity (ytd only) | -1.1640% | 5,716 |
| Net charge-offs to loans | 0.4144% | 622 |
| Credit loss provision to net charge-offs | 75.2907% | 2,394 |
| Earnings coverage of net charge-offs (x) | 5.7733% | 2,888 |
| Efficiency ratio | 68.9056% | 3,508 |
| Assets per employee ($millions) | 4.0380% | 3,806 |
| Cash dividends to net income (ytd only)* | 120.7921% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,040 |
| Loan loss allowance to noncurrent loans | 79.4064% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.2645% | 908 |
| Noncurrent loans to loans | 1.9696% | 1,252 |
| Net loans and leases to total assets | 55.9848% | 4,336 |
| Net loans and leases to deposits | 76.8382% | 3,174 |
| Net loans and leases to core deposits | 77.9496% | 3,579 |
| Total domestic deposits to total assets | 72.8606% | 5,886 |
| Equity capital to assets | 14.6442% | 785 |
| Core capital (leverage) ratio | 12.2774% | 1,496 |
| Tier 1 risk-based capital ratio | 16.1418% | 2,783 |
| Total risk-based capital ratio | 17.3535% | 2,763 |
| Memoranda: | ||
| Average total assets | $296,553,000 | 2,198 |
| Average earning assets | $267,534,670 | 2,255 |
| Average equity | $43,300,330 | 1,716 |
| Average total loans | $166,003,330 | 2,416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,480 |
| Cost of funding earning assets | 0.2971% | 4,473 |
| Net interest margin | 3.3698% | 3,951 |
| Noninterest income to average assets | 1.1242% | 891 |
| Noninterest expense to average assets | 3.1011% | 2,266 |
| Loan and lease loss provision to assets | 0.1210% | 1,713 |
| Net operating income to assets | 0.6643% | 3,982 |
| Return on assets (ROA) | 0.6643% | 4,104 |
| Pretax return on assets | 0.9373% | 3,754 |
| Return on Equity (ROE) | 4.5565% | 4,738 |
| Retained earnings to average equity (ytd only) | -5.5895% | 5,970 |
| Net charge-offs to loans | 0.8403% | 286 |
| Credit loss provision to net charge-offs | 25.9366% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.2680% | 2,792 |
| Efficiency ratio | 74.5554% | 2,725 |
| Assets per employee ($millions) | 3.9771% | 4,011 |
| Cash dividends to net income (ytd only)* | 222.6721% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 2,489 |
| Loan loss allowance to noncurrent loans | 62.8916% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 2.5843% | 813 |
| Noncurrent loans to loans | 2.3678% | 1,036 |
| Net loans and leases to total assets | 55.8012% | 4,226 |
| Net loans and leases to deposits | 76.1464% | 3,033 |
| Net loans and leases to core deposits | 78.6658% | 3,309 |
| Total domestic deposits to total assets | 73.2815% | 5,954 |
| Equity capital to assets | 14.8708% | 740 |
| Core capital (leverage) ratio | 11.9662% | 1,658 |
| Tier 1 risk-based capital ratio | 15.6050% | 3,101 |
| Total risk-based capital ratio | 16.7103% | 3,105 |
| Memoranda: | ||
| Average total assets | $297,444,000 | 2,213 |
| Average earning assets | $267,909,500 | 2,261 |
| Average equity | $43,367,000 | 1,715 |
| Average total loans | $165,180,500 | 2,433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,463 |
| Cost of funding earning assets | 0.3286% | 4,509 |
| Net interest margin | 3.4799% | 3,870 |
| Noninterest income to average assets | 1.3978% | 623 |
| Noninterest expense to average assets | 3.2178% | 2,169 |
| Loan and lease loss provision to assets | 0.1947% | 1,312 |
| Net operating income to assets | 0.7509% | 3,630 |
| Return on assets (ROA) | 0.7509% | 3,726 |
| Pretax return on assets | 1.0993% | 3,086 |
| Return on Equity (ROE) | 5.1903% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.2367% | 4,655 |
| Net charge-offs to loans | 0.1980% | 2,084 |
| Credit loss provision to net charge-offs | 174.6988% | 1,392 |
| Earnings coverage of net charge-offs (x) | 11.6114% | 2,471 |
| Efficiency ratio | 71.3191% | 3,325 |
| Assets per employee ($millions) | 4.0074% | 3,940 |
| Cash dividends to net income (ytd only)* | 56.9066% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 1,984 |
| Loan loss allowance to noncurrent loans | 94.6173% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 1,125 |
| Noncurrent loans to loans | 1.7245% | 1,684 |
| Net loans and leases to total assets | 53.5850% | 4,624 |
| Net loans and leases to deposits | 71.1833% | 3,771 |
| Net loans and leases to core deposits | 72.1918% | 4,103 |
| Total domestic deposits to total assets | 75.2775% | 5,825 |
| Equity capital to assets | 14.3026% | 873 |
| Core capital (leverage) ratio | 12.4242% | 1,388 |
| Tier 1 risk-based capital ratio | 17.6993% | 2,237 |
| Total risk-based capital ratio | 18.8780% | 2,238 |
| Memoranda: | ||
| Average total assets | $297,905,200 | 2,165 |
| Average earning assets | $266,590,800 | 2,225 |
| Average equity | $43,099,600 | 1,673 |
| Average total loans | $167,640,800 | 2,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 4,446 |
| Cost of funding earning assets | 0.3347% | 4,523 |
| Net interest margin | 3.4921% | 3,866 |
| Noninterest income to average assets | 1.3610% | 665 |
| Noninterest expense to average assets | 3.1834% | 2,227 |
| Loan and lease loss provision to assets | 0.1935% | 1,244 |
| Net operating income to assets | 0.7480% | 3,678 |
| Return on assets (ROA) | 0.7480% | 3,771 |
| Pretax return on assets | 1.1117% | 3,144 |
| Return on Equity (ROE) | 5.1552% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.3860% | 3,529 |
| Net charge-offs to loans | 0.1007% | 2,795 |
| Credit loss provision to net charge-offs | 338.5827% | 826 |
| Earnings coverage of net charge-offs (x) | 22.8345% | 1,616 |
| Efficiency ratio | 70.9215% | 3,355 |
| Assets per employee ($millions) | 3.9930% | 3,901 |
| Cash dividends to net income (ytd only)* | 14.9219% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 2,024 |
| Loan loss allowance to noncurrent loans | 60.6367% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.7970% | 877 |
| Noncurrent loans to loans | 2.7764% | 1,007 |
| Net loans and leases to total assets | 55.3361% | 4,416 |
| Net loans and leases to deposits | 77.1970% | 3,048 |
| Net loans and leases to core deposits | 78.3977% | 3,495 |
| Total domestic deposits to total assets | 71.6817% | 6,186 |
| Equity capital to assets | 15.0357% | 727 |
| Core capital (leverage) ratio | 12.4748% | 1,411 |
| Tier 1 risk-based capital ratio | 18.2322% | 2,141 |
| Total risk-based capital ratio | 19.4090% | 2,121 |
| Memoranda: | ||
| Average total assets | $296,241,250 | 2,193 |
| Average earning assets | $265,315,000 | 2,247 |
| Average equity | $42,984,500 | 1,682 |
| Average total loans | $168,074,500 | 2,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,515 |
| Cost of funding earning assets | 0.3406% | 4,531 |
| Net interest margin | 3.4623% | 3,925 |
| Noninterest income to average assets | 1.3014% | 705 |
| Noninterest expense to average assets | 3.1616% | 2,302 |
| Loan and lease loss provision to assets | 0.1209% | 2,033 |
| Net operating income to assets | 0.7447% | 3,594 |
| Return on assets (ROA) | 0.7447% | 3,699 |
| Pretax return on assets | 1.1114% | 3,054 |
| Return on Equity (ROE) | 5.1939% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.0324% | 3,612 |
| Net charge-offs to loans | 0.1558% | 2,145 |
| Credit loss provision to net charge-offs | 136.3636% | 1,556 |
| Earnings coverage of net charge-offs (x) | 13.9015% | 1,946 |
| Efficiency ratio | 71.9548% | 3,352 |
| Assets per employee ($millions) | 4.0840% | 3,675 |
| Cash dividends to net income (ytd only)* | 22.3625% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,912 |
| Loan loss allowance to noncurrent loans | 42.1557% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.1709% | 787 |
| Noncurrent loans to loans | 3.5522% | 740 |
| Net loans and leases to total assets | 56.0830% | 4,269 |
| Net loans and leases to deposits | 76.8329% | 2,948 |
| Net loans and leases to core deposits | 77.9393% | 3,448 |
| Total domestic deposits to total assets | 72.9935% | 6,188 |
| Equity capital to assets | 14.7388% | 762 |
| Core capital (leverage) ratio | 12.4056% | 1,441 |
| Tier 1 risk-based capital ratio | 17.7573% | 2,326 |
| Total risk-based capital ratio | 18.9311% | 2,329 |
| Memoranda: | ||
| Average total assets | $297,826,330 | 2,189 |
| Average earning assets | $266,008,670 | 2,235 |
| Average equity | $42,703,670 | 1,672 |
| Average total loans | $169,413,000 | 2,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,516 |
| Cost of funding earning assets | 0.3521% | 4,517 |
| Net interest margin | 3.4401% | 3,939 |
| Noninterest income to average assets | 1.2665% | 689 |
| Noninterest expense to average assets | 3.2231% | 2,146 |
| Loan and lease loss provision to assets | 0.1201% | 1,991 |
| Net operating income to assets | 0.7220% | 3,577 |
| Return on assets (ROA) | 0.7220% | 3,664 |
| Pretax return on assets | 0.9876% | 3,371 |
| Return on Equity (ROE) | 5.1055% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.1055% | 3,057 |
| Net charge-offs to loans | 0.2019% | 1,530 |
| Credit loss provision to net charge-offs | 104.6512% | 1,598 |
| Earnings coverage of net charge-offs (x) | 9.6512% | 1,922 |
| Efficiency ratio | 74.4222% | 3,065 |
| Assets per employee ($millions) | 4.1212% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,416 |
| Loan loss allowance to noncurrent loans | 65.7677% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 1,258 |
| Noncurrent loans to loans | 2.1896% | 1,661 |
| Net loans and leases to total assets | 57.6092% | 3,914 |
| Net loans and leases to deposits | 76.8245% | 2,711 |
| Net loans and leases to core deposits | 77.9971% | 3,202 |
| Total domestic deposits to total assets | 74.9880% | 6,157 |
| Equity capital to assets | 14.6585% | 748 |
| Core capital (leverage) ratio | 11.9419% | 1,684 |
| Tier 1 risk-based capital ratio | 17.6139% | 2,444 |
| Total risk-based capital ratio | 18.8080% | 2,428 |
| Memoranda: | ||
| Average total assets | $299,715,500 | 2,180 |
| Average earning assets | $266,972,000 | 2,239 |
| Average equity | $42,386,000 | 1,687 |
| Average total loans | $170,410,500 | 2,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 4,197 |
| Cost of funding earning assets | 0.3835% | 4,813 |
| Net interest margin | 3.5858% | 3,521 |
| Noninterest income to average assets | 1.3943% | 723 |
| Noninterest expense to average assets | 3.4217% | 1,835 |
| Loan and lease loss provision to assets | 0.2717% | 1,298 |
| Net operating income to assets | 0.6252% | 4,133 |
| Return on assets (ROA) | 0.6252% | 4,250 |
| Pretax return on assets | 0.8955% | 3,780 |
| Return on Equity (ROE) | 4.3719% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.2702% | 4,630 |
| Net charge-offs to loans | 0.1445% | 3,357 |
| Credit loss provision to net charge-offs | 323.8866% | 715 |
| Earnings coverage of net charge-offs (x) | 13.9150% | 1,978 |
| Efficiency ratio | 74.3284% | 3,078 |
| Assets per employee ($millions) | 4.3832% | 3,113 |
| Cash dividends to net income (ytd only)* | 48.0717% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 3,424 |
| Loan loss allowance to noncurrent loans | 79.5278% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.6312% | 1,282 |
| Noncurrent loans to loans | 1.8211% | 2,209 |
| Net loans and leases to total assets | 54.5363% | 4,522 |
| Net loans and leases to deposits | 71.8247% | 3,542 |
| Net loans and leases to core deposits | 72.9603% | 3,954 |
| Total domestic deposits to total assets | 75.9298% | 6,099 |
| Equity capital to assets | 13.6496% | 1,013 |
| Core capital (leverage) ratio | 12.1917% | 1,500 |
| Tier 1 risk-based capital ratio | 16.7438% | 2,741 |
| Total risk-based capital ratio | 17.9008% | 2,738 |
| Memoranda: | ||
| Average total assets | $294,475,000 | 2,181 |
| Average earning assets | $262,343,400 | 2,236 |
| Average equity | $42,110,000 | 1,666 |
| Average total loans | $170,906,600 | 2,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 4,020 |
| Cost of funding earning assets | 0.3924% | 4,883 |
| Net interest margin | 3.6360% | 3,298 |
| Noninterest income to average assets | 1.4180% | 735 |
| Noninterest expense to average assets | 3.4624% | 1,691 |
| Loan and lease loss provision to assets | 0.2974% | 1,144 |
| Net operating income to assets | 0.6017% | 4,340 |
| Return on assets (ROA) | 0.6017% | 4,462 |
| Pretax return on assets | 0.8973% | 3,900 |
| Return on Equity (ROE) | 4.1579% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.4085% | 4,263 |
| Net charge-offs to loans | 0.1612% | 2,946 |
| Credit loss provision to net charge-offs | 314.0097% | 814 |
| Earnings coverage of net charge-offs (x) | 12.6137% | 2,117 |
| Efficiency ratio | 74.0912% | 3,050 |
| Assets per employee ($millions) | 3.9114% | 4,014 |
| Cash dividends to net income (ytd only)* | 18.0227% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 4,022 |
| Loan loss allowance to noncurrent loans | 117.6854% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5183% | 1,523 |
| Noncurrent loans to loans | 1.1654% | 3,490 |
| Net loans and leases to total assets | 58.3622% | 3,947 |
| Net loans and leases to deposits | 80.1497% | 2,383 |
| Net loans and leases to core deposits | 81.8503% | 2,887 |
| Total domestic deposits to total assets | 72.8165% | 6,443 |
| Equity capital to assets | 14.4315% | 844 |
| Core capital (leverage) ratio | 12.2658% | 1,539 |
| Tier 1 risk-based capital ratio | 16.8378% | 2,780 |
| Total risk-based capital ratio | 17.9889% | 2,785 |
| Memoranda: | ||
| Average total assets | $291,388,000 | 2,209 |
| Average earning assets | $259,584,000 | 2,260 |
| Average equity | $42,167,500 | 1,673 |
| Average total loans | $171,186,000 | 2,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 4,103 |
| Cost of funding earning assets | 0.3925% | 5,007 |
| Net interest margin | 3.6090% | 3,322 |
| Noninterest income to average assets | 1.4368% | 763 |
| Noninterest expense to average assets | 3.3468% | 1,947 |
| Loan and lease loss provision to assets | 0.3424% | 982 |
| Net operating income to assets | 0.4725% | 4,916 |
| Return on assets (ROA) | 0.4725% | 5,094 |
| Pretax return on assets | 0.9656% | 3,657 |
| Return on Equity (ROE) | 3.2624% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.1419% | 4,914 |
| Net charge-offs to loans | 0.0724% | 3,674 |
| Credit loss provision to net charge-offs | 806.4516% | 379 |
| Earnings coverage of net charge-offs (x) | 30.8065% | 1,126 |
| Efficiency ratio | 71.6493% | 3,526 |
| Assets per employee ($millions) | 3.9486% | 3,913 |
| Cash dividends to net income (ytd only)* | 34.3478% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,110 |
| Loan loss allowance to noncurrent loans | 104.3169% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 2.8076% | 1,471 |
| Noncurrent loans to loans | 1.3276% | 3,339 |
| Net loans and leases to total assets | 58.7083% | 3,870 |
| Net loans and leases to deposits | 81.2587% | 2,150 |
| Net loans and leases to core deposits | 82.8824% | 2,710 |
| Total domestic deposits to total assets | 72.2486% | 6,547 |
| Equity capital to assets | 14.6859% | 783 |
| Core capital (leverage) ratio | 12.1916% | 1,512 |
| Tier 1 risk-based capital ratio | 16.5831% | 2,899 |
| Total risk-based capital ratio | 17.7322% | 2,900 |
| Memoranda: | ||
| Average total assets | $292,036,000 | 2,210 |
| Average earning assets | $260,405,000 | 2,262 |
| Average equity | $42,299,670 | 1,670 |
| Average total loans | $171,156,330 | 2,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 4,408 |
| Cost of funding earning assets | 0.3937% | 5,170 |
| Net interest margin | 3.5252% | 3,594 |
| Noninterest income to average assets | 1.3923% | 793 |
| Noninterest expense to average assets | 3.0239% | 2,906 |
| Loan and lease loss provision to assets | 0.2028% | 1,829 |
| Net operating income to assets | 0.7949% | 3,192 |
| Return on assets (ROA) | 0.7949% | 3,328 |
| Pretax return on assets | 1.3004% | 2,231 |
| Return on Equity (ROE) | 5.5246% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.5246% | 2,943 |
| Net charge-offs to loans | -0.0790% | 6,344 |
| Credit loss provision to net charge-offs | -441.1765% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5273% | 4,571 |
| Assets per employee ($millions) | 4.1119% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 5,085 |
| Loan loss allowance to noncurrent loans | 60.5797% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.0309% | 1,477 |
| Noncurrent loans to loans | 2.0157% | 2,600 |
| Net loans and leases to total assets | 58.7389% | 3,660 |
| Net loans and leases to deposits | 81.4269% | 1,905 |
| Net loans and leases to core deposits | 82.9612% | 2,462 |
| Total domestic deposits to total assets | 72.1370% | 6,650 |
| Equity capital to assets | 14.8333% | 798 |
| Core capital (leverage) ratio | 11.7048% | 1,743 |
| Tier 1 risk-based capital ratio | 16.6233% | 2,939 |
| Total risk-based capital ratio | 17.6505% | 3,011 |
| Memoranda: | ||
| Average total assets | $295,904,500 | 2,215 |
| Average earning assets | $263,137,500 | 2,270 |
| Average equity | $42,573,500 | 1,679 |
| Average total loans | $172,109,000 | 2,300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 5,070 |
| Cost of funding earning assets | 0.4345% | 5,688 |
| Net interest margin | 3.6325% | 3,951 |
| Noninterest income to average assets | 1.1476% | 1,186 |
| Noninterest expense to average assets | 2.3957% | 5,417 |
| Loan and lease loss provision to assets | 0.3307% | 2,056 |
| Net operating income to assets | 1.1154% | 1,888 |
| Return on assets (ROA) | 1.1113% | 2,079 |
| Pretax return on assets | 1.6897% | 1,158 |
| Return on Equity (ROE) | 7.4748% | 3,357 |
| Retained earnings to average equity (ytd only) | -2.0675% | 6,166 |
| Net charge-offs to loans | 0.9360% | 1,190 |
| Credit loss provision to net charge-offs | 58.6270% | 4,485 |
| Earnings coverage of net charge-offs (x) | 3.5930% | 3,666 |
| Efficiency ratio | 53.9016% | 6,278 |
| Assets per employee ($millions) | 3.9477% | 4,048 |
| Cash dividends to net income (ytd only)* | 127.6596% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,545 |
| Loan loss allowance to noncurrent loans | 65.1847% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.8371% | 1,689 |
| Noncurrent loans to loans | 1.6896% | 3,087 |
| Net loans and leases to total assets | 56.3044% | 4,234 |
| Net loans and leases to deposits | 75.8807% | 2,821 |
| Net loans and leases to core deposits | 77.4065% | 3,348 |
| Total domestic deposits to total assets | 74.2013% | 6,509 |
| Equity capital to assets | 13.9656% | 1,062 |
| Core capital (leverage) ratio | 11.8607% | 1,637 |
| Tier 1 risk-based capital ratio | 15.7811% | 3,275 |
| Total risk-based capital ratio | 16.6864% | 3,429 |
| Memoranda: | ||
| Average total assets | $291,819,600 | 2,188 |
| Average earning assets | $263,071,000 | 2,209 |
| Average equity | $43,385,600 | 1,603 |
| Average total loans | $175,851,800 | 2,252 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 5,408 |
| Cost of funding earning assets | 0.4448% | 5,831 |
| Net interest margin | 3.5934% | 4,261 |
| Noninterest income to average assets | 1.1270% | 1,185 |
| Noninterest expense to average assets | 2.4096% | 5,365 |
| Loan and lease loss provision to assets | 0.2401% | 2,651 |
| Net operating income to assets | 1.1427% | 1,937 |
| Return on assets (ROA) | 1.1427% | 2,131 |
| Pretax return on assets | 1.7448% | 1,172 |
| Return on Equity (ROE) | 7.5653% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.1637% | 4,648 |
| Net charge-offs to loans | 0.1231% | 4,146 |
| Credit loss provision to net charge-offs | 319.0184% | 839 |
| Earnings coverage of net charge-offs (x) | 26.3740% | 1,217 |
| Efficiency ratio | 54.5598% | 6,194 |
| Assets per employee ($millions) | 3.9143% | 4,047 |
| Cash dividends to net income (ytd only)* | 58.1817% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 3,265 |
| Loan loss allowance to noncurrent loans | 37.6567% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 3.5666% | 1,401 |
| Noncurrent loans to loans | 4.4311% | 1,073 |
| Net loans and leases to total assets | 59.8946% | 3,804 |
| Net loans and leases to deposits | 82.5400% | 2,046 |
| Net loans and leases to core deposits | 84.7003% | 2,617 |
| Total domestic deposits to total assets | 72.5643% | 6,710 |
| Equity capital to assets | 15.2894% | 755 |
| Core capital (leverage) ratio | 12.4977% | 1,409 |
| Tier 1 risk-based capital ratio | 16.9660% | 2,747 |
| Total risk-based capital ratio | 18.1216% | 2,757 |
| Memoranda: | ||
| Average total assets | $288,780,500 | 2,241 |
| Average earning assets | $262,583,750 | 2,235 |
| Average equity | $43,619,000 | 1,615 |
| Average total loans | $176,550,250 | 2,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 5,440 |
| Cost of funding earning assets | 0.4531% | 5,953 |
| Net interest margin | 3.6112% | 4,212 |
| Noninterest income to average assets | 1.0032% | 1,456 |
| Noninterest expense to average assets | 2.4743% | 5,224 |
| Loan and lease loss provision to assets | 0.1456% | 3,698 |
| Net operating income to assets | 1.0926% | 2,066 |
| Return on assets (ROA) | 1.0926% | 2,292 |
| Pretax return on assets | 1.6541% | 1,384 |
| Return on Equity (ROE) | 7.2633% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.6268% | 5,813 |
| Net charge-offs to loans | -0.0057% | 6,185 |
| Credit loss provision to net charge-offs | -4,200.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6156% | 5,918 |
| Assets per employee ($millions) | 4.1488% | 3,570 |
| Cash dividends to net income (ytd only)* | 91.3706% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,727 |
| Loan loss allowance to noncurrent loans | 34.6954% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1052% | 1,756 |
| Noncurrent loans to loans | 4.5056% | 1,177 |
| Net loans and leases to total assets | 60.7555% | 3,669 |
| Net loans and leases to deposits | 84.4612% | 1,795 |
| Net loans and leases to core deposits | 86.6394% | 2,342 |
| Total domestic deposits to total assets | 71.9331% | 6,805 |
| Equity capital to assets | 14.8168% | 826 |
| Core capital (leverage) ratio | 12.3970% | 1,398 |
| Tier 1 risk-based capital ratio | 15.8625% | 3,235 |
| Total risk-based capital ratio | 17.0248% | 3,262 |
| Memoranda: | ||
| Average total assets | $288,487,670 | 2,246 |
| Average earning assets | $261,299,000 | 2,247 |
| Average equity | $43,396,330 | 1,609 |
| Average total loans | $176,589,000 | 2,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 5,325 |
| Cost of funding earning assets | 0.4691% | 6,019 |
| Net interest margin | 3.6698% | 3,962 |
| Noninterest income to average assets | 0.9947% | 1,439 |
| Noninterest expense to average assets | 2.3219% | 5,710 |
| Loan and lease loss provision to assets | 0.1669% | 3,306 |
| Net operating income to assets | 1.1950% | 1,752 |
| Return on assets (ROA) | 1.1950% | 1,936 |
| Pretax return on assets | 1.8252% | 1,025 |
| Return on Equity (ROE) | 7.8844% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.8844% | 2,029 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5311% | 6,392 |
| Assets per employee ($millions) | 4.0584% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,996 |
| Loan loss allowance to noncurrent loans | 64.5292% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 3,079 |
| Noncurrent loans to loans | 2.3825% | 2,722 |
| Net loans and leases to total assets | 61.0266% | 3,447 |
| Net loans and leases to deposits | 85.9055% | 1,433 |
| Net loans and leases to core deposits | 88.1914% | 2,029 |
| Total domestic deposits to total assets | 71.0392% | 6,934 |
| Equity capital to assets | 15.5112% | 657 |
| Core capital (leverage) ratio | 12.3196% | 1,427 |
| Tier 1 risk-based capital ratio | 16.3546% | 2,984 |
| Total risk-based capital ratio | 17.5046% | 3,001 |
| Memoranda: | ||
| Average total assets | $287,525,000 | 2,264 |
| Average earning assets | $260,066,500 | 2,277 |
| Average equity | $43,579,500 | 1,602 |
| Average total loans | $175,261,500 | 2,307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 5,541 |
| Cost of funding earning assets | 0.5811% | 6,183 |
| Net interest margin | 3.7875% | 3,891 |
| Noninterest income to average assets | 0.8843% | 1,727 |
| Noninterest expense to average assets | 2.3467% | 5,918 |
| Loan and lease loss provision to assets | 0.2735% | 3,483 |
| Net operating income to assets | 1.2243% | 1,447 |
| Return on assets (ROA) | 1.2243% | 1,552 |
| Pretax return on assets | 1.6775% | 1,042 |
| Return on Equity (ROE) | 8.1776% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.8111% | 2,782 |
| Net charge-offs to loans | 0.3951% | 3,435 |
| Credit loss provision to net charge-offs | 113.8393% | 2,879 |
| Earnings coverage of net charge-offs (x) | 8.1220% | 2,210 |
| Efficiency ratio | 54.3126% | 6,480 |
| Assets per employee ($millions) | 3.8795% | 4,129 |
| Cash dividends to net income (ytd only)* | 41.1679% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 4,099 |
| Loan loss allowance to noncurrent loans | 80.5859% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 3,798 |
| Noncurrent loans to loans | 1.8395% | 3,423 |
| Net loans and leases to total assets | 59.0664% | 4,185 |
| Net loans and leases to deposits | 81.0988% | 2,340 |
| Net loans and leases to core deposits | 83.6350% | 2,940 |
| Total domestic deposits to total assets | 72.8326% | 6,821 |
| Equity capital to assets | 14.8107% | 823 |
| Core capital (leverage) ratio | 12.6127% | 1,302 |
| Tier 1 risk-based capital ratio | 15.9198% | 3,082 |
| Total risk-based capital ratio | 17.0570% | 3,114 |
| Memoranda: | ||
| Average total assets | $279,754,200 | 2,270 |
| Average earning assets | $252,117,600 | 2,287 |
| Average equity | $41,882,600 | 1,606 |
| Average total loans | $170,084,600 | 2,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 5,599 |
| Cost of funding earning assets | 0.6128% | 6,230 |
| Net interest margin | 3.7883% | 3,936 |
| Noninterest income to average assets | 0.8747% | 1,740 |
| Noninterest expense to average assets | 2.3777% | 5,824 |
| Loan and lease loss provision to assets | 0.3250% | 2,935 |
| Net operating income to assets | 1.1665% | 1,757 |
| Return on assets (ROA) | 1.1665% | 1,871 |
| Pretax return on assets | 1.5887% | 1,416 |
| Return on Equity (ROE) | 7.7696% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.5960% | 2,201 |
| Net charge-offs to loans | 0.1120% | 4,889 |
| Credit loss provision to net charge-offs | 475.3521% | 586 |
| Earnings coverage of net charge-offs (x) | 27.9928% | 974 |
| Efficiency ratio | 55.1155% | 6,375 |
| Assets per employee ($millions) | 3.8443% | 4,205 |
| Cash dividends to net income (ytd only)* | 15.1053% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 3,076 |
| Loan loss allowance to noncurrent loans | 64.3085% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 3,154 |
| Noncurrent loans to loans | 2.7346% | 2,561 |
| Net loans and leases to total assets | 61.0936% | 3,925 |
| Net loans and leases to deposits | 84.6343% | 1,896 |
| Net loans and leases to core deposits | 88.4165% | 2,434 |
| Total domestic deposits to total assets | 72.1854% | 6,920 |
| Equity capital to assets | 15.5425% | 714 |
| Core capital (leverage) ratio | 12.7387% | 1,331 |
| Tier 1 risk-based capital ratio | 15.9208% | 3,155 |
| Total risk-based capital ratio | 17.0326% | 3,191 |
| Memoranda: | ||
| Average total assets | $276,953,000 | 2,305 |
| Average earning assets | $249,783,250 | 2,322 |
| Average equity | $41,580,000 | 1,624 |
| Average total loans | $168,994,500 | 2,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 5,732 |
| Cost of funding earning assets | 0.6426% | 6,260 |
| Net interest margin | 3.7465% | 4,049 |
| Noninterest income to average assets | 0.8512% | 1,800 |
| Noninterest expense to average assets | 2.3653% | 5,944 |
| Loan and lease loss provision to assets | 0.3321% | 2,786 |
| Net operating income to assets | 1.1704% | 1,658 |
| Return on assets (ROA) | 1.1704% | 1,740 |
| Pretax return on assets | 1.5256% | 1,453 |
| Return on Equity (ROE) | 7.8881% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.1071% | 2,357 |
| Net charge-offs to loans | 0.0845% | 4,795 |
| Credit loss provision to net charge-offs | 647.8873% | 486 |
| Earnings coverage of net charge-offs (x) | 36.2394% | 802 |
| Efficiency ratio | 55.7189% | 6,449 |
| Assets per employee ($millions) | 3.6862% | 4,487 |
| Cash dividends to net income (ytd only)* | 22.5787% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 3,384 |
| Loan loss allowance to noncurrent loans | 58.3840% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 3,076 |
| Noncurrent loans to loans | 2.8806% | 2,534 |
| Net loans and leases to total assets | 61.7860% | 3,929 |
| Net loans and leases to deposits | 86.3792% | 1,735 |
| Net loans and leases to core deposits | 90.3582% | 2,327 |
| Total domestic deposits to total assets | 71.5288% | 7,034 |
| Equity capital to assets | 15.3851% | 721 |
| Core capital (leverage) ratio | 12.5505% | 1,335 |
| Tier 1 risk-based capital ratio | 17.2656% | 2,422 |
| Total risk-based capital ratio | 18.5183% | 2,394 |
| Memoranda: | ||
| Average total assets | $277,007,330 | 2,312 |
| Average earning assets | $249,300,670 | 2,336 |
| Average equity | $41,100,000 | 1,629 |
| Average total loans | $167,950,000 | 2,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 5,973 |
| Cost of funding earning assets | 0.6645% | 6,320 |
| Net interest margin | 3.6508% | 4,323 |
| Noninterest income to average assets | 0.8240% | 1,946 |
| Noninterest expense to average assets | 2.3230% | 6,130 |
| Loan and lease loss provision to assets | 0.5302% | 1,639 |
| Net operating income to assets | 1.1164% | 1,783 |
| Return on assets (ROA) | 1.1164% | 1,832 |
| Pretax return on assets | 1.2697% | 2,133 |
| Return on Equity (ROE) | 7.6623% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.6623% | 1,858 |
| Net charge-offs to loans | 0.0505% | 4,432 |
| Credit loss provision to net charge-offs | 1,761.9048% | 224 |
| Earnings coverage of net charge-offs (x) | 59.8095% | 494 |
| Efficiency ratio | 56.0306% | 6,505 |
| Assets per employee ($millions) | 3.9487% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 3,287 |
| Loan loss allowance to noncurrent loans | 59.2786% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.1092% | 3,178 |
| Noncurrent loans to loans | 2.8932% | 2,600 |
| Net loans and leases to total assets | 58.9435% | 4,472 |
| Net loans and leases to deposits | 82.7576% | 2,225 |
| Net loans and leases to core deposits | 86.5678% | 2,792 |
| Total domestic deposits to total assets | 71.2243% | 7,124 |
| Equity capital to assets | 14.8849% | 790 |
| Core capital (leverage) ratio | 12.0468% | 1,537 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,496 |
| Total risk-based capital ratio | 18.2032% | 2,470 |
| Memoranda: | ||
| Average total assets | $279,122,500 | 2,311 |
| Average earning assets | $252,218,500 | 2,327 |
| Average equity | $40,666,500 | 1,641 |
| Average total loans | $166,214,500 | 2,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 6,120 |
| Cost of funding earning assets | 0.7830% | 6,635 |
| Net interest margin | 3.8153% | 3,886 |
| Noninterest income to average assets | 1.1287% | 1,160 |
| Noninterest expense to average assets | 2.2359% | 6,527 |
| Loan and lease loss provision to assets | 0.4156% | 3,616 |
| Net operating income to assets | 1.3860% | 979 |
| Return on assets (ROA) | 1.3860% | 1,049 |
| Pretax return on assets | 1.9210% | 585 |
| Return on Equity (ROE) | 9.5440% | 2,096 |
| Retained earnings to average equity (ytd only) | 1.6231% | 4,707 |
| Net charge-offs to loans | 0.3328% | 4,347 |
| Credit loss provision to net charge-offs | 207.0423% | 1,491 |
| Earnings coverage of net charge-offs (x) | 11.6408% | 1,586 |
| Efficiency ratio | 48.6282% | 7,225 |
| Assets per employee ($millions) | 3.8086% | 4,235 |
| Cash dividends to net income (ytd only)* | 82.9934% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 4,036 |
| Loan loss allowance to noncurrent loans | 73.5910% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 3,840 |
| Noncurrent loans to loans | 2.0335% | 3,514 |
| Net loans and leases to total assets | 58.2491% | 4,988 |
| Net loans and leases to deposits | 79.7823% | 3,213 |
| Net loans and leases to core deposits | 83.8949% | 3,610 |
| Total domestic deposits to total assets | 73.0100% | 6,994 |
| Equity capital to assets | 14.2600% | 965 |
| Core capital (leverage) ratio | 12.1236% | 1,470 |
| Tier 1 risk-based capital ratio | 16.4909% | 2,522 |
| Total risk-based capital ratio | 17.7396% | 2,493 |
| Memoranda: | ||
| Average total assets | $282,977,200 | 2,264 |
| Average earning assets | $255,419,400 | 2,295 |
| Average equity | $41,093,800 | 1,609 |
| Average total loans | $170,682,000 | 2,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 6,230 |
| Cost of funding earning assets | 0.8122% | 6,720 |
| Net interest margin | 3.8255% | 3,863 |
| Noninterest income to average assets | 1.0351% | 1,351 |
| Noninterest expense to average assets | 2.1788% | 6,664 |
| Loan and lease loss provision to assets | 0.4053% | 3,477 |
| Net operating income to assets | 1.4926% | 937 |
| Return on assets (ROA) | 1.4926% | 1,017 |
| Pretax return on assets | 1.9049% | 761 |
| Return on Equity (ROE) | 10.2321% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.4413% | 1,261 |
| Net charge-offs to loans | 0.3805% | 3,773 |
| Credit loss provision to net charge-offs | 175.7143% | 2,097 |
| Earnings coverage of net charge-offs (x) | 10.0163% | 1,927 |
| Efficiency ratio | 48.2647% | 7,255 |
| Assets per employee ($millions) | 4.1657% | 3,512 |
| Cash dividends to net income (ytd only)* | 17.5023% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,760 |
| Loan loss allowance to noncurrent loans | 70.6637% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5919% | 4,063 |
| Noncurrent loans to loans | 1.8944% | 3,808 |
| Net loans and leases to total assets | 57.0463% | 5,407 |
| Net loans and leases to deposits | 78.3258% | 3,772 |
| Net loans and leases to core deposits | 85.0453% | 3,789 |
| Total domestic deposits to total assets | 72.8321% | 7,051 |
| Equity capital to assets | 14.6949% | 968 |
| Core capital (leverage) ratio | 12.7413% | 1,318 |
| Tier 1 risk-based capital ratio | 16.4195% | 2,592 |
| Total risk-based capital ratio | 17.5101% | 2,604 |
| Memoranda: | ||
| Average total assets | $283,262,000 | 2,292 |
| Average earning assets | $255,752,000 | 2,325 |
| Average equity | $41,319,750 | 1,605 |
| Average total loans | $171,687,000 | 2,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 6,237 |
| Cost of funding earning assets | 0.8584% | 6,731 |
| Net interest margin | 3.8152% | 3,835 |
| Noninterest income to average assets | 0.8820% | 1,751 |
| Noninterest expense to average assets | 2.2133% | 6,615 |
| Loan and lease loss provision to assets | 0.3073% | 3,927 |
| Net operating income to assets | 1.1252% | 1,775 |
| Return on assets (ROA) | 1.1252% | 1,840 |
| Pretax return on assets | 1.8062% | 875 |
| Return on Equity (ROE) | 7.7335% | 2,995 |
| Retained earnings to average equity (ytd only) | 5.0135% | 2,890 |
| Net charge-offs to loans | 0.0151% | 6,131 |
| Credit loss provision to net charge-offs | 3,315.3846% | 125 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 148 |
| Efficiency ratio | 50.8570% | 7,163 |
| Assets per employee ($millions) | 3.8944% | 3,990 |
| Cash dividends to net income (ytd only)* | 35.1711% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,724 |
| Loan loss allowance to noncurrent loans | 69.3141% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 3,862 |
| Noncurrent loans to loans | 1.9354% | 3,815 |
| Net loans and leases to total assets | 61.2815% | 4,827 |
| Net loans and leases to deposits | 87.7853% | 2,211 |
| Net loans and leases to core deposits | 92.1949% | 2,960 |
| Total domestic deposits to total assets | 69.8084% | 7,338 |
| Equity capital to assets | 14.8918% | 907 |
| Core capital (leverage) ratio | 12.1190% | 1,581 |
| Tier 1 risk-based capital ratio | 16.4007% | 2,516 |
| Total risk-based capital ratio | 17.5678% | 2,495 |
| Memoranda: | ||
| Average total assets | $280,483,330 | 2,328 |
| Average earning assets | $253,250,670 | 2,365 |
| Average equity | $40,809,670 | 1,620 |
| Average total loans | $172,715,000 | 2,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 6,571 |
| Cost of funding earning assets | 0.9045% | 6,753 |
| Net interest margin | 3.6933% | 4,280 |
| Noninterest income to average assets | 0.8567% | 1,787 |
| Noninterest expense to average assets | 2.1538% | 6,795 |
| Loan and lease loss provision to assets | 0.3554% | 3,246 |
| Net operating income to assets | 1.0309% | 2,066 |
| Return on assets (ROA) | 1.0309% | 2,126 |
| Pretax return on assets | 1.6837% | 1,092 |
| Return on Equity (ROE) | 7.1677% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.1677% | 2,063 |
| Net charge-offs to loans | 0.0693% | 4,719 |
| Credit loss provision to net charge-offs | 836.6667% | 548 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 593 |
| Efficiency ratio | 51.0638% | 7,237 |
| Assets per employee ($millions) | 3.9846% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,334 |
| Loan loss allowance to noncurrent loans | 49.8698% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7890% | 3,805 |
| Noncurrent loans to loans | 2.4667% | 3,202 |
| Net loans and leases to total assets | 60.6532% | 5,007 |
| Net loans and leases to deposits | 84.6175% | 2,833 |
| Net loans and leases to core deposits | 88.7080% | 3,535 |
| Total domestic deposits to total assets | 71.6792% | 7,293 |
| Equity capital to assets | 14.6797% | 963 |
| Core capital (leverage) ratio | 11.6718% | 1,817 |
| Tier 1 risk-based capital ratio | 16.2259% | 2,548 |
| Total risk-based capital ratio | 17.2918% | 2,594 |
| Memoranda: | ||
| Average total assets | $282,474,500 | 2,373 |
| Average earning assets | $255,166,500 | 2,398 |
| Average equity | $40,626,500 | 1,645 |
| Average total loans | $173,198,500 | 2,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 6,406 |
| Cost of funding earning assets | 1.1673% | 6,773 |
| Net interest margin | 3.8424% | 3,520 |
| Noninterest income to average assets | 1.0463% | 1,420 |
| Noninterest expense to average assets | 2.2574% | 6,852 |
| Loan and lease loss provision to assets | 0.9865% | 2,299 |
| Net operating income to assets | 0.7529% | 2,708 |
| Return on assets (ROA) | 0.7529% | 2,799 |
| Pretax return on assets | 1.2679% | 1,788 |
| Return on Equity (ROE) | 5.1747% | 3,591 |
| Retained earnings to average equity (ytd only) | 0.9757% | 4,349 |
| Net charge-offs to loans | 1.4849% | 1,686 |
| Credit loss provision to net charge-offs | 105.7043% | 5,243 |
| Earnings coverage of net charge-offs (x) | 2.4156% | 3,919 |
| Efficiency ratio | 49.7512% | 7,551 |
| Assets per employee ($millions) | 3.8137% | 4,252 |
| Cash dividends to net income (ytd only)* | 81.1448% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 6,011 |
| Loan loss allowance to noncurrent loans | 41.7811% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 3,729 |
| Noncurrent loans to loans | 2.5777% | 2,979 |
| Net loans and leases to total assets | 60.5639% | 5,251 |
| Net loans and leases to deposits | 81.5314% | 3,691 |
| Net loans and leases to core deposits | 91.3212% | 4,972 |
| Total domestic deposits to total assets | 74.2828% | 6,979 |
| Equity capital to assets | 14.0924% | 1,141 |
| Core capital (leverage) ratio | 11.7422% | 1,791 |
| Tier 1 risk-based capital ratio | 16.1762% | 2,442 |
| Total risk-based capital ratio | 17.1497% | 2,497 |
| Memoranda: | ||
| Average total assets | $276,115,600 | 2,373 |
| Average earning assets | $249,037,400 | 2,414 |
| Average equity | $40,176,400 | 1,662 |
| Average total loans | $173,548,200 | 2,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 6,021 |
| Cost of funding earning assets | 1.2364% | 6,773 |
| Net interest margin | 3.9316% | 3,114 |
| Noninterest income to average assets | 1.0739% | 1,374 |
| Noninterest expense to average assets | 2.2569% | 6,817 |
| Loan and lease loss provision to assets | 1.3278% | 1,459 |
| Net operating income to assets | 0.4147% | 4,343 |
| Return on assets (ROA) | 0.4147% | 4,439 |
| Pretax return on assets | 1.0388% | 2,777 |
| Return on Equity (ROE) | 2.8265% | 4,865 |
| Retained earnings to average equity (ytd only) | 0.6311% | 4,933 |
| Net charge-offs to loans | 1.0372% | 1,904 |
| Credit loss provision to net charge-offs | 202.3014% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.6058% | 3,459 |
| Efficiency ratio | 48.5404% | 7,645 |
| Assets per employee ($millions) | 3.7640% | 4,277 |
| Cash dividends to net income (ytd only)* | 77.6731% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,332 |
| Loan loss allowance to noncurrent loans | 116.4798% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 4,723 |
| Noncurrent loans to loans | 1.5308% | 4,353 |
| Net loans and leases to total assets | 63.3539% | 5,006 |
| Net loans and leases to deposits | 85.8461% | 3,346 |
| Net loans and leases to core deposits | 98.2906% | 4,570 |
| Total domestic deposits to total assets | 73.7995% | 6,986 |
| Equity capital to assets | 14.8698% | 1,042 |
| Core capital (leverage) ratio | 11.6671% | 1,984 |
| Tier 1 risk-based capital ratio | 16.4595% | 2,448 |
| Total risk-based capital ratio | 18.1077% | 2,269 |
| Memoranda: | ||
| Average total assets | $273,637,750 | 2,398 |
| Average earning assets | $247,052,250 | 2,451 |
| Average equity | $40,143,500 | 1,690 |
| Average total loans | $173,156,500 | 2,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 6,235 |
| Cost of funding earning assets | 1.2755% | 6,883 |
| Net interest margin | 3.8812% | 3,205 |
| Noninterest income to average assets | 1.1511% | 1,180 |
| Noninterest expense to average assets | 2.2367% | 6,958 |
| Loan and lease loss provision to assets | 1.9846% | 819 |
| Net operating income to assets | -0.2295% | 6,231 |
| Return on assets (ROA) | -0.2295% | 6,252 |
| Pretax return on assets | 0.4481% | 4,797 |
| Return on Equity (ROE) | -1.5714% | 6,159 |
| Retained earnings to average equity (ytd only) | -4.8688% | 6,278 |
| Net charge-offs to loans | 0.0718% | 5,501 |
| Credit loss provision to net charge-offs | 4,393.5484% | 115 |
| Earnings coverage of net charge-offs (x) | 53.8548% | 655 |
| Efficiency ratio | 47.6361% | 7,771 |
| Assets per employee ($millions) | 3.8166% | 4,056 |
| Cash dividends to net income (ytd only)* | -209.8413% | 8,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5551% | 854 |
| Loan loss allowance to noncurrent loans | 121.4069% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 4,179 |
| Noncurrent loans to loans | 2.1045% | 3,373 |
| Net loans and leases to total assets | 60.2434% | 5,639 |
| Net loans and leases to deposits | 83.3458% | 3,990 |
| Net loans and leases to core deposits | 94.1997% | 5,094 |
| Total domestic deposits to total assets | 72.2813% | 7,208 |
| Equity capital to assets | 14.0245% | 1,305 |
| Core capital (leverage) ratio | 11.1301% | 2,312 |
| Tier 1 risk-based capital ratio | 15.5548% | 2,796 |
| Total risk-based capital ratio | 17.8405% | 2,371 |
| Memoranda: | ||
| Average total assets | $274,515,000 | 2,412 |
| Average earning assets | $248,842,670 | 2,449 |
| Average equity | $40,092,000 | 1,695 |
| Average total loans | $172,605,330 | 2,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 6,071 |
| Cost of funding earning assets | 1.3311% | 6,928 |
| Net interest margin | 3.9283% | 2,938 |
| Noninterest income to average assets | 1.1568% | 1,098 |
| Noninterest expense to average assets | 2.1948% | 6,884 |
| Loan and lease loss provision to assets | 0.4037% | 2,905 |
| Net operating income to assets | 1.3404% | 1,284 |
| Return on assets (ROA) | 1.3404% | 1,381 |
| Pretax return on assets | 2.1111% | 530 |
| Return on Equity (ROE) | 8.9949% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.9949% | 1,487 |
| Net charge-offs to loans | -0.0069% | 7,224 |
| Credit loss provision to net charge-offs | -9,166.6667% | 6,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3217% | 7,832 |
| Assets per employee ($millions) | 3.7431% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,881 |
| Loan loss allowance to noncurrent loans | 49.2913% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 3,537 |
| Noncurrent loans to loans | 2.4103% | 2,737 |
| Net loans and leases to total assets | 61.3929% | 5,431 |
| Net loans and leases to deposits | 86.8174% | 3,509 |
| Net loans and leases to core deposits | 96.1275% | 4,956 |
| Total domestic deposits to total assets | 70.7149% | 7,364 |
| Equity capital to assets | 15.0477% | 1,090 |
| Core capital (leverage) ratio | 11.8324% | 1,984 |
| Tier 1 risk-based capital ratio | 16.6766% | 2,456 |
| Total risk-based capital ratio | 17.7333% | 2,457 |
| Memoranda: | ||
| Average total assets | $272,466,000 | 2,440 |
| Average earning assets | $246,414,000 | 2,480 |
| Average equity | $40,601,000 | 1,675 |
| Average total loans | $172,784,500 | 2,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 4,668 |
| Cost of funding earning assets | 1.7374% | 7,169 |
| Net interest margin | 4.4325% | 1,586 |
| Noninterest income to average assets | 0.9949% | 1,594 |
| Noninterest expense to average assets | 2.3090% | 6,671 |
| Loan and lease loss provision to assets | 0.2835% | 4,117 |
| Net operating income to assets | 1.6501% | 748 |
| Return on assets (ROA) | 1.6523% | 715 |
| Pretax return on assets | 2.3381% | 277 |
| Return on Equity (ROE) | 10.4514% | 2,104 |
| Retained earnings to average equity (ytd only) | 0.7512% | 4,782 |
| Net charge-offs to loans | 0.0838% | 5,562 |
| Credit loss provision to net charge-offs | 534.0741% | 818 |
| Earnings coverage of net charge-offs (x) | 49.3259% | 766 |
| Efficiency ratio | 46.5805% | 7,898 |
| Assets per employee ($millions) | 3.6714% | 4,235 |
| Cash dividends to net income (ytd only)* | 92.8129% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,150 |
| Loan loss allowance to noncurrent loans | 67.6128% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 4,208 |
| Noncurrent loans to loans | 1.4630% | 3,601 |
| Net loans and leases to total assets | 64.0664% | 5,262 |
| Net loans and leases to deposits | 89.2140% | 3,598 |
| Net loans and leases to core deposits | 98.7233% | 4,960 |
| Total domestic deposits to total assets | 71.8120% | 7,035 |
| Equity capital to assets | 14.7541% | 1,230 |
| Core capital (leverage) ratio | 12.2358% | 1,868 |
| Tier 1 risk-based capital ratio | 15.9758% | 2,672 |
| Total risk-based capital ratio | 16.8745% | 2,732 |
| Memoranda: | ||
| Average total assets | $254,305,800 | 2,521 |
| Average earning assets | $225,630,600 | 2,589 |
| Average equity | $40,205,000 | 1,672 |
| Average total loans | $161,185,800 | 2,755 |