Home > Presidential Bank, FSB > Performance and Condition Ratios
Presidential Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8149% | 814 |
| Cost of funding earning assets | 2.3138% | 531 |
| Net interest margin | 3.5011% | 2,175 |
| Noninterest income to average assets | 1.3900% | 427 |
| Noninterest expense to average assets | 4.6301% | 267 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | -0.4644% | 4,504 |
| Return on assets (ROA) | -0.4622% | 4,487 |
| Pretax return on assets | -0.7141% | 4,504 |
| Return on Equity (ROE) | -4.5300% | 4,465 |
| Retained earnings to average equity (ytd only) | -5.0940% | 4,394 |
| Net charge-offs to loans | 0.9841% | 106 |
| Credit loss provision to net charge-offs | 101.2411% | 1,825 |
| Earnings coverage of net charge-offs (x) | 0.0897% | 2,821 |
| Efficiency ratio | 98.4853% | 213 |
| Assets per employee ($millions) | 3.1380% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 2,797 |
| Loan loss allowance to noncurrent loans | 115.2702% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 653 |
| Noncurrent loans to loans | 0.9599% | 771 |
| Net loans and leases to total assets | 81.0000% | 532 |
| Net loans and leases to deposits | 102.3992% | 419 |
| Net loans and leases to core deposits | 113.8252% | 820 |
| Total domestic deposits to total assets | 79.1000% | 3,599 |
| Equity capital to assets | 9.0796% | 2,620 |
| Core capital (leverage) ratio | 10.0195% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2967% | 2,131 |
| Memoranda: | ||
| Average total assets | $852,424,000 | 1,130 |
| Average earning assets | $806,241,400 | 1,099 |
| Average equity | $86,906,400 | 1,064 |
| Average total loans | $687,750,600 | 979 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 757 |
| Cost of funding earning assets | 2.1097% | 583 |
| Net interest margin | 3.6222% | 1,940 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 4.5875% | 266 |
| Loan and lease loss provision to assets | 0.9500% | 68 |
| Net operating income to assets | -0.5264% | 4,538 |
| Return on assets (ROA) | -0.5331% | 4,526 |
| Pretax return on assets | -0.7385% | 4,532 |
| Return on Equity (ROE) | -5.0700% | 4,501 |
| Retained earnings to average equity (ytd only) | -5.8162% | 4,437 |
| Net charge-offs to loans | 1.1446% | 81 |
| Credit loss provision to net charge-offs | 106.4437% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.2370% | 2,565 |
| Efficiency ratio | 95.4642% | 236 |
| Assets per employee ($millions) | 3.3516% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,113 |
| Loan loss allowance to noncurrent loans | 106.6439% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 568 |
| Noncurrent loans to loans | 1.1706% | 670 |
| Net loans and leases to total assets | 79.8800% | 660 |
| Net loans and leases to deposits | 102.2507% | 423 |
| Net loans and leases to core deposits | 115.3697% | 685 |
| Total domestic deposits to total assets | 78.1200% | 3,801 |
| Equity capital to assets | 9.7704% | 1,949 |
| Core capital (leverage) ratio | 10.4309% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0254% | 1,886 |
| Memoranda: | ||
| Average total assets | $832,530,000 | 1,153 |
| Average earning assets | $787,637,750 | 1,118 |
| Average equity | $87,477,500 | 1,052 |
| Average total loans | $668,843,000 | 998 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 746 |
| Cost of funding earning assets | 1.8544% | 671 |
| Net interest margin | 3.7301% | 1,755 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 4.5909% | 261 |
| Loan and lease loss provision to assets | 0.5700% | 122 |
| Net operating income to assets | -0.2370% | 4,541 |
| Return on assets (ROA) | -0.2370% | 4,526 |
| Pretax return on assets | -0.3504% | 4,534 |
| Return on Equity (ROE) | -2.2000% | 4,497 |
| Retained earnings to average equity (ytd only) | -3.3026% | 4,356 |
| Net charge-offs to loans | 0.5120% | 162 |
| Credit loss provision to net charge-offs | 139.8577% | 1,241 |
| Earnings coverage of net charge-offs (x) | 0.5285% | 2,400 |
| Efficiency ratio | 95.4897% | 237 |
| Assets per employee ($millions) | 3.5401% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,931 |
| Loan loss allowance to noncurrent loans | 114.0945% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 518 |
| Noncurrent loans to loans | 1.1398% | 619 |
| Net loans and leases to total assets | 81.0400% | 515 |
| Net loans and leases to deposits | 102.2538% | 424 |
| Net loans and leases to core deposits | 112.6679% | 724 |
| Total domestic deposits to total assets | 79.2500% | 3,685 |
| Equity capital to assets | 10.3232% | 1,679 |
| Core capital (leverage) ratio | 11.0226% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8068% | 1,620 |
| Memoranda: | ||
| Average total assets | $821,803,000 | 1,154 |
| Average earning assets | $778,794,333 | 1,130 |
| Average equity | $88,474,667 | 1,033 |
| Average total loans | $658,642,000 | 995 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4002% | 714 |
| Cost of funding earning assets | 1.4680% | 900 |
| Net interest margin | 3.9322% | 1,403 |
| Noninterest income to average assets | 1.2800% | 404 |
| Noninterest expense to average assets | 4.4883% | 274 |
| Loan and lease loss provision to assets | 0.4900% | 157 |
| Net operating income to assets | 0.0632% | 4,451 |
| Return on assets (ROA) | 0.0771% | 4,420 |
| Pretax return on assets | 0.0380% | 4,433 |
| Return on Equity (ROE) | 0.7000% | 4,397 |
| Retained earnings to average equity (ytd only) | -1.4870% | 4,172 |
| Net charge-offs to loans | 0.4995% | 163 |
| Credit loss provision to net charge-offs | 125.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 1.3113% | 1,973 |
| Efficiency ratio | 89.6487% | 370 |
| Assets per employee ($millions) | 3.4125% | 4,432 |
| Cash dividends to net income (ytd only)* | 312.1795% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,716 |
| Loan loss allowance to noncurrent loans | 295.1597% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 1,365 |
| Noncurrent loans to loans | 0.4658% | 1,550 |
| Net loans and leases to total assets | 80.1200% | 530 |
| Net loans and leases to deposits | 99.9654% | 447 |
| Net loans and leases to core deposits | 104.7675% | 885 |
| Total domestic deposits to total assets | 80.1400% | 3,745 |
| Equity capital to assets | 10.8983% | 1,379 |
| Core capital (leverage) ratio | 11.6961% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2646% | 1,556 |
| Memoranda: | ||
| Average total assets | $809,657,500 | 1,187 |
| Average earning assets | $766,486,500 | 1,163 |
| Average equity | $89,040,000 | 1,041 |
| Average total loans | $640,613,500 | 1,027 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 971 |
| Cost of funding earning assets | 0.6217% | 825 |
| Net interest margin | 3.7282% | 1,313 |
| Noninterest income to average assets | 1.7800% | 286 |
| Noninterest expense to average assets | 4.6156% | 251 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.3379% | 4,330 |
| Return on assets (ROA) | 0.3172% | 4,318 |
| Pretax return on assets | 0.4225% | 4,257 |
| Return on Equity (ROE) | 3.0100% | 4,291 |
| Retained earnings to average equity (ytd only) | 0.8388% | 4,227 |
| Net charge-offs to loans | 0.2379% | 334 |
| Credit loss provision to net charge-offs | 165.9341% | 1,231 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 2,416 |
| Efficiency ratio | 86.5933% | 404 |
| Assets per employee ($millions) | 3.1758% | 4,500 |
| Cash dividends to net income (ytd only)* | 72.1421% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,332 |
| Loan loss allowance to noncurrent loans | 353.2175% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 1,595 |
| Noncurrent loans to loans | 0.4113% | 1,695 |
| Net loans and leases to total assets | 75.8400% | 1,026 |
| Net loans and leases to deposits | 87.2139% | 1,232 |
| Net loans and leases to core deposits | 91.6893% | 1,410 |
| Total domestic deposits to total assets | 86.9600% | 2,400 |
| Equity capital to assets | 11.0985% | 1,220 |
| Core capital (leverage) ratio | 11.5508% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1780% | 1,321 |
| Memoranda: | ||
| Average total assets | $852,212,800 | 1,131 |
| Average earning assets | $811,061,800 | 1,096 |
| Average equity | $89,768,400 | 1,033 |
| Average total loans | $573,880,000 | 1,068 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 1,130 |
| Cost of funding earning assets | 0.5101% | 721 |
| Net interest margin | 3.5553% | 1,504 |
| Noninterest income to average assets | 1.9100% | 282 |
| Noninterest expense to average assets | 4.6444% | 240 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.3229% | 4,355 |
| Return on assets (ROA) | 0.2951% | 4,345 |
| Pretax return on assets | 0.4048% | 4,262 |
| Return on Equity (ROE) | 2.8400% | 4,317 |
| Retained earnings to average equity (ytd only) | 0.6711% | 4,261 |
| Net charge-offs to loans | 0.2244% | 307 |
| Credit loss provision to net charge-offs | 147.1519% | 1,138 |
| Earnings coverage of net charge-offs (x) | 4.4831% | 2,173 |
| Efficiency ratio | 87.6410% | 396 |
| Assets per employee ($millions) | 3.3243% | 4,519 |
| Cash dividends to net income (ytd only)* | 76.3446% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,644 |
| Loan loss allowance to noncurrent loans | 361.4468% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,804 |
| Noncurrent loans to loans | 0.3845% | 1,856 |
| Net loans and leases to total assets | 73.7000% | 1,123 |
| Net loans and leases to deposits | 84.6947% | 1,256 |
| Net loans and leases to core deposits | 88.3048% | 1,400 |
| Total domestic deposits to total assets | 87.0200% | 2,757 |
| Equity capital to assets | 10.8253% | 1,239 |
| Core capital (leverage) ratio | 11.0840% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2626% | 1,351 |
| Memoranda: | ||
| Average total assets | $865,190,000 | 1,124 |
| Average earning assets | $824,472,000 | 1,086 |
| Average equity | $90,005,000 | 1,049 |
| Average total loans | $563,371,750 | 1,079 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 1,411 |
| Cost of funding earning assets | 0.4693% | 626 |
| Net interest margin | 3.2853% | 1,949 |
| Noninterest income to average assets | 2.1090% | 215 |
| Noninterest expense to average assets | 4.6893% | 195 |
| Loan and lease loss provision to assets | 0.1521% | 626 |
| Net operating income to assets | 0.2960% | 4,297 |
| Return on assets (ROA) | 0.2686% | 4,292 |
| Pretax return on assets | 0.3714% | 4,204 |
| Return on Equity (ROE) | 2.6144% | 4,273 |
| Retained earnings to average equity (ytd only) | 0.4597% | 4,101 |
| Net charge-offs to loans | 0.2678% | 249 |
| Credit loss provision to net charge-offs | 91.4052% | 1,334 |
| Earnings coverage of net charge-offs (x) | 3.3547% | 2,001 |
| Efficiency ratio | 89.3619% | 437 |
| Assets per employee ($millions) | 3.4306% | 4,565 |
| Cash dividends to net income (ytd only)* | 82.4176% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,745 |
| Loan loss allowance to noncurrent loans | 352.0282% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 1,995 |
| Noncurrent loans to loans | 0.3980% | 1,935 |
| Net loans and leases to total assets | 64.7410% | 1,829 |
| Net loans and leases to deposits | 73.8237% | 1,883 |
| Net loans and leases to core deposits | 76.4509% | 1,980 |
| Total domestic deposits to total assets | 87.6969% | 2,697 |
| Equity capital to assets | 10.3006% | 1,534 |
| Core capital (leverage) ratio | 10.3821% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5026% | 1,078 |
| Memoranda: | ||
| Average total assets | $880,991,000 | 1,093 |
| Average earning assets | $841,633,333 | 1,075 |
| Average equity | $90,497,333 | 1,042 |
| Average total loans | $547,422,667 | 1,093 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 1,897 |
| Cost of funding earning assets | 0.4533% | 643 |
| Net interest margin | 3.0163% | 2,451 |
| Noninterest income to average assets | 2.1025% | 224 |
| Noninterest expense to average assets | 4.8378% | 180 |
| Loan and lease loss provision to assets | 0.0045% | 2,226 |
| Net operating income to assets | 0.1019% | 4,466 |
| Return on assets (ROA) | 0.0699% | 4,474 |
| Pretax return on assets | 0.1104% | 4,433 |
| Return on Equity (ROE) | 0.6810% | 4,465 |
| Retained earnings to average equity (ytd only) | -1.4586% | 4,191 |
| Net charge-offs to loans | 0.2701% | 239 |
| Credit loss provision to net charge-offs | 2.7624% | 1,329 |
| Earnings coverage of net charge-offs (x) | 0.9530% | 1,756 |
| Efficiency ratio | 96.8860% | 304 |
| Assets per employee ($millions) | 3.3368% | 4,601 |
| Cash dividends to net income (ytd only)* | 314.1935% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,761 |
| Loan loss allowance to noncurrent loans | 281.8681% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 1,887 |
| Noncurrent loans to loans | 0.5107% | 1,747 |
| Net loans and leases to total assets | 59.3526% | 2,143 |
| Net loans and leases to deposits | 66.8888% | 2,253 |
| Net loans and leases to core deposits | 69.2014% | 2,359 |
| Total domestic deposits to total assets | 88.7332% | 2,195 |
| Equity capital to assets | 10.1487% | 1,793 |
| Core capital (leverage) ratio | 10.5234% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7422% | 936 |
| Memoranda: | ||
| Average total assets | $887,516,000 | 1,095 |
| Average earning assets | $850,583,000 | 1,069 |
| Average equity | $91,044,500 | 1,079 |
| Average total loans | $536,185,000 | 1,106 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 2,229 |
| Cost of funding earning assets | 0.5345% | 774 |
| Net interest margin | 3.1230% | 2,832 |
| Noninterest income to average assets | 5.0360% | 108 |
| Noninterest expense to average assets | 5.6829% | 139 |
| Loan and lease loss provision to assets | -0.0133% | 4,184 |
| Net operating income to assets | 1.7193% | 604 |
| Return on assets (ROA) | 1.7141% | 636 |
| Pretax return on assets | 2.3433% | 321 |
| Return on Equity (ROE) | 16.5817% | 658 |
| Retained earnings to average equity (ytd only) | 10.2543% | 853 |
| Net charge-offs to loans | 0.0917% | 905 |
| Credit loss provision to net charge-offs | -21.6573% | 3,194 |
| Earnings coverage of net charge-offs (x) | 38.1789% | 1,464 |
| Efficiency ratio | 70.8633% | 1,636 |
| Assets per employee ($millions) | 3.2990% | 4,628 |
| Cash dividends to net income (ytd only)* | 38.1590% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 1,572 |
| Loan loss allowance to noncurrent loans | 291.4524% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 1,994 |
| Noncurrent loans to loans | 0.5133% | 1,838 |
| Net loans and leases to total assets | 59.7020% | 2,187 |
| Net loans and leases to deposits | 67.4841% | 2,359 |
| Net loans and leases to core deposits | 70.2301% | 2,421 |
| Total domestic deposits to total assets | 88.4682% | 1,800 |
| Equity capital to assets | 10.3680% | 2,304 |
| Core capital (leverage) ratio | 10.0816% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1780% | 868 |
| Memoranda: | ||
| Average total assets | $867,619,400 | 1,073 |
| Average earning assets | $828,883,600 | 1,053 |
| Average equity | $89,689,400 | 1,105 |
| Average total loans | $579,345,800 | 1,046 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6443% | 2,440 |
| Cost of funding earning assets | 0.5659% | 762 |
| Net interest margin | 3.0784% | 3,103 |
| Noninterest income to average assets | 5.8473% | 101 |
| Noninterest expense to average assets | 6.0173% | 122 |
| Loan and lease loss provision to assets | -0.0255% | 4,370 |
| Net operating income to assets | 2.0366% | 437 |
| Return on assets (ROA) | 2.0319% | 463 |
| Pretax return on assets | 2.7874% | 232 |
| Return on Equity (ROE) | 19.6712% | 451 |
| Retained earnings to average equity (ytd only) | 11.8712% | 856 |
| Net charge-offs to loans | 0.0671% | 970 |
| Credit loss provision to net charge-offs | -55.5556% | 3,152 |
| Earnings coverage of net charge-offs (x) | 60.2963% | 1,137 |
| Efficiency ratio | 68.4946% | 1,759 |
| Assets per employee ($millions) | 3.3062% | 4,695 |
| Cash dividends to net income (ytd only)* | 39.6516% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,902 |
| Loan loss allowance to noncurrent loans | 292.9181% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,198 |
| Noncurrent loans to loans | 0.4877% | 2,090 |
| Net loans and leases to total assets | 63.6230% | 1,822 |
| Net loans and leases to deposits | 72.0802% | 2,044 |
| Net loans and leases to core deposits | 75.2318% | 2,117 |
| Total domestic deposits to total assets | 88.2671% | 1,675 |
| Equity capital to assets | 10.2102% | 2,698 |
| Core capital (leverage) ratio | 10.1043% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6189% | 1,021 |
| Memoranda: | ||
| Average total assets | $862,666,500 | 1,090 |
| Average earning assets | $823,253,500 | 1,070 |
| Average equity | $89,109,500 | 1,125 |
| Average total loans | $589,717,000 | 1,044 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 2,369 |
| Cost of funding earning assets | 0.5914% | 776 |
| Net interest margin | 3.0975% | 3,044 |
| Noninterest income to average assets | 6.3845% | 93 |
| Noninterest expense to average assets | 6.3181% | 115 |
| Loan and lease loss provision to assets | -0.0856% | 4,595 |
| Net operating income to assets | 2.2580% | 303 |
| Return on assets (ROA) | 2.2522% | 327 |
| Pretax return on assets | 3.0983% | 170 |
| Return on Equity (ROE) | 21.7164% | 341 |
| Retained earnings to average equity (ytd only) | 20.0201% | 157 |
| Net charge-offs to loans | 0.0693% | 935 |
| Credit loss provision to net charge-offs | -177.1845% | 3,175 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 952 |
| Efficiency ratio | 67.6597% | 1,920 |
| Assets per employee ($millions) | 3.1162% | 4,764 |
| Cash dividends to net income (ytd only)* | 7.8109% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,616 |
| Loan loss allowance to noncurrent loans | 329.7605% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 2,533 |
| Noncurrent loans to loans | 0.4524% | 2,319 |
| Net loans and leases to total assets | 60.6030% | 2,347 |
| Net loans and leases to deposits | 68.9296% | 2,526 |
| Net loans and leases to core deposits | 71.8362% | 2,619 |
| Total domestic deposits to total assets | 87.9201% | 1,875 |
| Equity capital to assets | 10.4114% | 2,478 |
| Core capital (leverage) ratio | 10.5750% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8151% | 836 |
| Memoranda: | ||
| Average total assets | $852,661,000 | 1,093 |
| Average earning assets | $813,034,333 | 1,079 |
| Average equity | $88,431,000 | 1,125 |
| Average total loans | $594,228,333 | 1,039 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 2,130 |
| Cost of funding earning assets | 0.5946% | 892 |
| Net interest margin | 3.1947% | 2,719 |
| Noninterest income to average assets | 8.1646% | 83 |
| Noninterest expense to average assets | 6.9586% | 107 |
| Loan and lease loss provision to assets | -0.0478% | 4,650 |
| Net operating income to assets | 3.1238% | 137 |
| Return on assets (ROA) | 3.1106% | 156 |
| Pretax return on assets | 4.2788% | 93 |
| Return on Equity (ROE) | 30.0545% | 142 |
| Retained earnings to average equity (ytd only) | 28.3219% | 90 |
| Net charge-offs to loans | 0.0866% | 760 |
| Credit loss provision to net charge-offs | -74.6269% | 2,795 |
| Earnings coverage of net charge-offs (x) | 66.2910% | 778 |
| Efficiency ratio | 62.0952% | 2,739 |
| Assets per employee ($millions) | 3.0698% | 4,807 |
| Cash dividends to net income (ytd only)* | 5.7648% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,933 |
| Loan loss allowance to noncurrent loans | 289.6918% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 2,432 |
| Noncurrent loans to loans | 0.4850% | 2,398 |
| Net loans and leases to total assets | 69.3101% | 1,379 |
| Net loans and leases to deposits | 79.4305% | 1,577 |
| Net loans and leases to core deposits | 82.9584% | 1,756 |
| Total domestic deposits to total assets | 87.2588% | 2,199 |
| Equity capital to assets | 10.4617% | 2,303 |
| Core capital (leverage) ratio | 10.8146% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9699% | 931 |
| Memoranda: | ||
| Average total assets | $836,492,000 | 1,100 |
| Average earning assets | $796,450,500 | 1,082 |
| Average equity | $86,576,000 | 1,135 |
| Average total loans | $619,113,500 | 992 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,475 |
| Cost of funding earning assets | 0.8011% | 1,205 |
| Net interest margin | 3.6362% | 2,020 |
| Noninterest income to average assets | 9.2193% | 72 |
| Noninterest expense to average assets | 8.3190% | 92 |
| Loan and lease loss provision to assets | 0.4380% | 653 |
| Net operating income to assets | 2.8443% | 105 |
| Return on assets (ROA) | 2.8436% | 108 |
| Pretax return on assets | 3.9141% | 75 |
| Return on Equity (ROE) | 27.5326% | 82 |
| Retained earnings to average equity (ytd only) | 25.6020% | 40 |
| Net charge-offs to loans | 0.0942% | 1,518 |
| Credit loss provision to net charge-offs | 570.5009% | 1,147 |
| Earnings coverage of net charge-offs (x) | 56.7032% | 1,100 |
| Efficiency ratio | 65.6491% | 2,589 |
| Assets per employee ($millions) | 2.8253% | 4,852 |
| Cash dividends to net income (ytd only)* | 7.0119% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,117 |
| Loan loss allowance to noncurrent loans | 327.1735% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 2,693 |
| Noncurrent loans to loans | 0.4177% | 2,726 |
| Net loans and leases to total assets | 76.8455% | 712 |
| Net loans and leases to deposits | 87.7186% | 1,119 |
| Net loans and leases to core deposits | 91.8447% | 1,395 |
| Total domestic deposits to total assets | 87.6046% | 1,657 |
| Equity capital to assets | 10.2326% | 2,899 |
| Core capital (leverage) ratio | 10.7297% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1427% | 1,226 |
| Memoranda: | ||
| Average total assets | $702,127,200 | 1,180 |
| Average earning assets | $666,688,400 | 1,155 |
| Average equity | $72,517,800 | 1,261 |
| Average total loans | $571,949,000 | 1,023 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,621 |
| Cost of funding earning assets | 0.8486% | 1,267 |
| Net interest margin | 3.6338% | 2,143 |
| Noninterest income to average assets | 9.1167% | 73 |
| Noninterest expense to average assets | 8.3892% | 93 |
| Loan and lease loss provision to assets | 0.3712% | 996 |
| Net operating income to assets | 2.7615% | 111 |
| Return on assets (ROA) | 2.7613% | 116 |
| Pretax return on assets | 3.8037% | 76 |
| Return on Equity (ROE) | 26.6605% | 98 |
| Retained earnings to average equity (ytd only) | 24.6536% | 54 |
| Net charge-offs to loans | 0.0779% | 1,530 |
| Credit loss provision to net charge-offs | 576.9231% | 1,182 |
| Earnings coverage of net charge-offs (x) | 64.8954% | 1,050 |
| Efficiency ratio | 66.7701% | 2,355 |
| Assets per employee ($millions) | 2.6199% | 4,911 |
| Cash dividends to net income (ytd only)* | 7.5274% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,340 |
| Loan loss allowance to noncurrent loans | 341.6223% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,940 |
| Noncurrent loans to loans | 0.3697% | 2,959 |
| Net loans and leases to total assets | 80.9846% | 523 |
| Net loans and leases to deposits | 92.6664% | 1,022 |
| Net loans and leases to core deposits | 97.4630% | 1,345 |
| Total domestic deposits to total assets | 87.3938% | 1,495 |
| Equity capital to assets | 10.4780% | 2,812 |
| Core capital (leverage) ratio | 10.7848% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9335% | 1,264 |
| Memoranda: | ||
| Average total assets | $673,529,250 | 1,201 |
| Average earning assets | $639,024,250 | 1,178 |
| Average equity | $69,759,500 | 1,289 |
| Average total loans | $555,898,500 | 1,041 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,800 |
| Cost of funding earning assets | 0.8899% | 1,421 |
| Net interest margin | 3.6503% | 2,317 |
| Noninterest income to average assets | 7.3056% | 81 |
| Noninterest expense to average assets | 7.7653% | 96 |
| Loan and lease loss provision to assets | 0.4738% | 790 |
| Net operating income to assets | 1.8276% | 475 |
| Return on assets (ROA) | 1.8273% | 522 |
| Pretax return on assets | 2.5270% | 204 |
| Return on Equity (ROE) | 17.7217% | 393 |
| Retained earnings to average equity (ytd only) | 15.6330% | 192 |
| Net charge-offs to loans | 0.0841% | 1,405 |
| Credit loss provision to net charge-offs | 681.4159% | 1,019 |
| Earnings coverage of net charge-offs (x) | 43.1593% | 1,192 |
| Efficiency ratio | 72.1251% | 1,663 |
| Assets per employee ($millions) | 2.4590% | 4,958 |
| Cash dividends to net income (ytd only)* | 11.7865% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,772 |
| Loan loss allowance to noncurrent loans | 312.9870% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 2,909 |
| Noncurrent loans to loans | 0.4319% | 2,871 |
| Net loans and leases to total assets | 79.1833% | 696 |
| Net loans and leases to deposits | 89.9562% | 1,359 |
| Net loans and leases to core deposits | 94.3538% | 1,710 |
| Total domestic deposits to total assets | 88.0243% | 1,167 |
| Equity capital to assets | 10.2161% | 2,998 |
| Core capital (leverage) ratio | 10.6283% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6122% | 1,339 |
| Memoranda: | ||
| Average total assets | $650,018,333 | 1,213 |
| Average earning assets | $616,276,000 | 1,197 |
| Average equity | $67,025,000 | 1,315 |
| Average total loans | $537,770,333 | 1,058 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 1,462 |
| Cost of funding earning assets | 0.9415% | 1,682 |
| Net interest margin | 3.8431% | 1,836 |
| Noninterest income to average assets | 5.9946% | 84 |
| Noninterest expense to average assets | 7.1837% | 111 |
| Loan and lease loss provision to assets | 0.5707% | 494 |
| Net operating income to assets | 1.3392% | 1,134 |
| Return on assets (ROA) | 1.3387% | 1,225 |
| Pretax return on assets | 1.8765% | 594 |
| Return on Equity (ROE) | 12.9178% | 896 |
| Retained earnings to average equity (ytd only) | 10.7761% | 603 |
| Net charge-offs to loans | 0.1071% | 1,044 |
| Credit loss provision to net charge-offs | 633.8028% | 766 |
| Earnings coverage of net charge-offs (x) | 27.1831% | 1,238 |
| Efficiency ratio | 74.5852% | 1,740 |
| Assets per employee ($millions) | 2.3261% | 4,991 |
| Cash dividends to net income (ytd only)* | 16.5798% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,274 |
| Loan loss allowance to noncurrent loans | 282.0147% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 2,920 |
| Noncurrent loans to loans | 0.4510% | 2,899 |
| Net loans and leases to total assets | 83.2988% | 325 |
| Net loans and leases to deposits | 95.1828% | 984 |
| Net loans and leases to core deposits | 99.8402% | 1,482 |
| Total domestic deposits to total assets | 87.5146% | 1,322 |
| Equity capital to assets | 10.3196% | 3,499 |
| Core capital (leverage) ratio | 10.6189% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6820% | 1,693 |
| Memoranda: | ||
| Average total assets | $630,763,000 | 1,215 |
| Average earning assets | $596,910,500 | 1,192 |
| Average equity | $65,367,000 | 1,343 |
| Average total loans | $530,320,000 | 1,046 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,569 |
| Cost of funding earning assets | 0.7970% | 2,701 |
| Net interest margin | 4.1683% | 1,380 |
| Noninterest income to average assets | 4.4385% | 105 |
| Noninterest expense to average assets | 6.9814% | 108 |
| Loan and lease loss provision to assets | 0.2877% | 595 |
| Net operating income to assets | 0.8023% | 3,546 |
| Return on assets (ROA) | 0.8017% | 3,634 |
| Pretax return on assets | 1.1193% | 3,107 |
| Return on Equity (ROE) | 7.4459% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.4339% | 2,202 |
| Net charge-offs to loans | 0.0527% | 2,356 |
| Credit loss provision to net charge-offs | 677.5510% | 468 |
| Earnings coverage of net charge-offs (x) | 33.1551% | 1,476 |
| Efficiency ratio | 83.2204% | 712 |
| Assets per employee ($millions) | 2.2363% | 5,057 |
| Cash dividends to net income (ytd only)* | 27.0212% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,488 |
| Loan loss allowance to noncurrent loans | 287.5759% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,018 |
| Noncurrent loans to loans | 0.4141% | 2,958 |
| Net loans and leases to total assets | 82.7693% | 455 |
| Net loans and leases to deposits | 94.2649% | 1,135 |
| Net loans and leases to core deposits | 98.0129% | 1,724 |
| Total domestic deposits to total assets | 87.8051% | 1,226 |
| Equity capital to assets | 10.4086% | 3,535 |
| Core capital (leverage) ratio | 10.5687% | 2,884 |
| Tier 1 risk-based capital ratio | 14.9181% | 2,813 |
| Total risk-based capital ratio | 16.1727% | 2,752 |
| Memoranda: | ||
| Average total assets | $577,058,600 | 1,263 |
| Average earning assets | $546,917,800 | 1,242 |
| Average equity | $62,128,000 | 1,350 |
| Average total loans | $464,954,600 | 1,137 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 1,675 |
| Cost of funding earning assets | 0.7351% | 3,037 |
| Net interest margin | 4.2169% | 1,336 |
| Noninterest income to average assets | 4.6135% | 100 |
| Noninterest expense to average assets | 7.1149% | 105 |
| Loan and lease loss provision to assets | 0.2704% | 578 |
| Net operating income to assets | 0.8776% | 3,422 |
| Return on assets (ROA) | 0.8771% | 3,504 |
| Pretax return on assets | 1.2204% | 2,917 |
| Return on Equity (ROE) | 8.0735% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.0714% | 2,338 |
| Net charge-offs to loans | 0.1390% | 1,157 |
| Credit loss provision to net charge-offs | 244.1614% | 1,116 |
| Earnings coverage of net charge-offs (x) | 13.4651% | 2,294 |
| Efficiency ratio | 82.6721% | 708 |
| Assets per employee ($millions) | 2.3174% | 5,120 |
| Cash dividends to net income (ytd only)* | 24.7989% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,471 |
| Loan loss allowance to noncurrent loans | 219.2961% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 2,942 |
| Noncurrent loans to loans | 0.4642% | 2,909 |
| Net loans and leases to total assets | 83.6301% | 391 |
| Net loans and leases to deposits | 111.0662% | 203 |
| Net loans and leases to core deposits | 115.5210% | 678 |
| Total domestic deposits to total assets | 75.2976% | 4,715 |
| Equity capital to assets | 10.1130% | 3,905 |
| Core capital (leverage) ratio | 11.0644% | 2,590 |
| Tier 1 risk-based capital ratio | 14.8534% | 2,923 |
| Total risk-based capital ratio | 16.1063% | 2,843 |
| Memoranda: | ||
| Average total assets | $567,021,250 | 1,283 |
| Average earning assets | $536,868,250 | 1,263 |
| Average equity | $61,599,250 | 1,358 |
| Average total loans | $451,939,250 | 1,159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,456 |
| Cost of funding earning assets | 0.6598% | 3,357 |
| Net interest margin | 4.3514% | 1,040 |
| Noninterest income to average assets | 4.1809% | 111 |
| Noninterest expense to average assets | 7.0307% | 111 |
| Loan and lease loss provision to assets | 0.2381% | 663 |
| Net operating income to assets | 0.7345% | 3,886 |
| Return on assets (ROA) | 0.7338% | 3,946 |
| Pretax return on assets | 1.0306% | 3,448 |
| Return on Equity (ROE) | 6.5798% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.6088% | 2,972 |
| Net charge-offs to loans | 0.1633% | 980 |
| Credit loss provision to net charge-offs | 187.3199% | 1,279 |
| Earnings coverage of net charge-offs (x) | 9.9856% | 2,302 |
| Efficiency ratio | 84.7060% | 610 |
| Assets per employee ($millions) | 2.0408% | 5,203 |
| Cash dividends to net income (ytd only)* | 29.9551% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,239 |
| Loan loss allowance to noncurrent loans | 211.9748% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 2,830 |
| Noncurrent loans to loans | 0.5045% | 2,766 |
| Net loans and leases to total assets | 82.5601% | 532 |
| Net loans and leases to deposits | 97.7245% | 875 |
| Net loans and leases to core deposits | 101.3849% | 1,606 |
| Total domestic deposits to total assets | 84.4825% | 2,692 |
| Equity capital to assets | 10.9984% | 3,056 |
| Core capital (leverage) ratio | 11.4564% | 2,203 |
| Tier 1 risk-based capital ratio | 15.8690% | 2,467 |
| Total risk-based capital ratio | 17.1225% | 2,407 |
| Memoranda: | ||
| Average total assets | $545,916,670 | 1,320 |
| Average earning assets | $516,805,000 | 1,299 |
| Average equity | $60,883,670 | 1,363 |
| Average total loans | $425,062,000 | 1,219 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 1,397 |
| Cost of funding earning assets | 0.5672% | 3,750 |
| Net interest margin | 4.4076% | 883 |
| Noninterest income to average assets | 3.1449% | 133 |
| Noninterest expense to average assets | 6.6404% | 113 |
| Loan and lease loss provision to assets | 0.2984% | 431 |
| Net operating income to assets | 0.2430% | 4,969 |
| Return on assets (ROA) | 0.2417% | 4,975 |
| Pretax return on assets | 0.3782% | 4,865 |
| Return on Equity (ROE) | 2.1514% | 4,946 |
| Retained earnings to average equity (ytd only) | 0.1594% | 4,492 |
| Net charge-offs to loans | 0.2131% | 662 |
| Credit loss provision to net charge-offs | 186.9159% | 1,093 |
| Earnings coverage of net charge-offs (x) | 4.2477% | 2,339 |
| Efficiency ratio | 90.7349% | 366 |
| Assets per employee ($millions) | 2.0444% | 5,267 |
| Cash dividends to net income (ytd only)* | 92.5926% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,461 |
| Loan loss allowance to noncurrent loans | 201.5542% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 2,292 |
| Noncurrent loans to loans | 0.6067% | 2,517 |
| Net loans and leases to total assets | 73.7521% | 1,856 |
| Net loans and leases to deposits | 84.4382% | 2,334 |
| Net loans and leases to core deposits | 86.7241% | 2,802 |
| Total domestic deposits to total assets | 87.3444% | 1,648 |
| Equity capital to assets | 11.1802% | 2,677 |
| Core capital (leverage) ratio | 11.5788% | 2,081 |
| Tier 1 risk-based capital ratio | 16.9145% | 2,130 |
| Total risk-based capital ratio | 18.1692% | 2,082 |
| Memoranda: | ||
| Average total assets | $536,230,000 | 1,349 |
| Average earning assets | $507,757,000 | 1,326 |
| Average equity | $60,239,000 | 1,373 |
| Average total loans | $401,718,500 | 1,276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,897 |
| Cost of funding earning assets | 0.3409% | 4,341 |
| Net interest margin | 4.3399% | 1,064 |
| Noninterest income to average assets | 3.4178% | 129 |
| Noninterest expense to average assets | 6.7363% | 112 |
| Loan and lease loss provision to assets | 0.1768% | 1,116 |
| Net operating income to assets | 0.4921% | 4,677 |
| Return on assets (ROA) | 0.4913% | 4,682 |
| Pretax return on assets | 0.6284% | 4,578 |
| Return on Equity (ROE) | 4.4480% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.4262% | 4,173 |
| Net charge-offs to loans | 0.1057% | 1,700 |
| Credit loss provision to net charge-offs | 227.8177% | 1,297 |
| Earnings coverage of net charge-offs (x) | 10.3885% | 2,725 |
| Efficiency ratio | 89.3124% | 376 |
| Assets per employee ($millions) | 1.9232% | 5,322 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,653 |
| Loan loss allowance to noncurrent loans | 100.6794% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,235 |
| Noncurrent loans to loans | 1.1762% | 1,371 |
| Net loans and leases to total assets | 74.2787% | 1,892 |
| Net loans and leases to deposits | 85.1907% | 2,386 |
| Net loans and leases to core deposits | 86.8509% | 2,852 |
| Total domestic deposits to total assets | 87.1911% | 1,687 |
| Equity capital to assets | 11.2881% | 2,425 |
| Core capital (leverage) ratio | 11.8447% | 1,835 |
| Tier 1 risk-based capital ratio | 17.7775% | 1,819 |
| Total risk-based capital ratio | 19.0327% | 1,773 |
| Memoranda: | ||
| Average total assets | $537,398,600 | 1,317 |
| Average earning assets | $510,752,800 | 1,285 |
| Average equity | $59,352,800 | 1,336 |
| Average total loans | $394,487,000 | 1,272 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 2,019 |
| Cost of funding earning assets | 0.3085% | 4,464 |
| Net interest margin | 4.2773% | 1,166 |
| Noninterest income to average assets | 3.6219% | 132 |
| Noninterest expense to average assets | 6.8751% | 110 |
| Loan and lease loss provision to assets | 0.1919% | 923 |
| Net operating income to assets | 0.4938% | 4,772 |
| Return on assets (ROA) | 0.4929% | 4,780 |
| Pretax return on assets | 0.6216% | 4,693 |
| Return on Equity (ROE) | 4.4874% | 4,698 |
| Retained earnings to average equity (ytd only) | 2.4589% | 4,415 |
| Net charge-offs to loans | 0.0869% | 1,636 |
| Credit loss provision to net charge-offs | 302.7344% | 1,016 |
| Earnings coverage of net charge-offs (x) | 12.8518% | 2,418 |
| Efficiency ratio | 89.4079% | 345 |
| Assets per employee ($millions) | 1.8576% | 5,392 |
| Cash dividends to net income (ytd only)* | 45.2034% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,029 |
| Loan loss allowance to noncurrent loans | 87.2969% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,093 |
| Noncurrent loans to loans | 1.2932% | 1,295 |
| Net loans and leases to total assets | 80.1886% | 988 |
| Net loans and leases to deposits | 93.4359% | 1,440 |
| Net loans and leases to core deposits | 95.2930% | 2,187 |
| Total domestic deposits to total assets | 85.8220% | 2,271 |
| Equity capital to assets | 11.5089% | 2,254 |
| Core capital (leverage) ratio | 11.6956% | 2,013 |
| Tier 1 risk-based capital ratio | 17.4738% | 1,941 |
| Total risk-based capital ratio | 18.7287% | 1,894 |
| Memoranda: | ||
| Average total assets | $538,565,750 | 1,318 |
| Average earning assets | $512,181,000 | 1,287 |
| Average equity | $59,157,250 | 1,339 |
| Average total loans | $392,997,000 | 1,279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,413 |
| Cost of funding earning assets | 0.2953% | 4,448 |
| Net interest margin | 4.1046% | 1,541 |
| Noninterest income to average assets | 3.6512% | 127 |
| Noninterest expense to average assets | 6.8519% | 116 |
| Loan and lease loss provision to assets | 0.1099% | 1,789 |
| Net operating income to assets | 0.4857% | 4,776 |
| Return on assets (ROA) | 0.4847% | 4,784 |
| Pretax return on assets | 0.5935% | 4,747 |
| Return on Equity (ROE) | 4.4798% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.4481% | 4,282 |
| Net charge-offs to loans | 0.0801% | 1,524 |
| Credit loss provision to net charge-offs | 194.8052% | 1,330 |
| Earnings coverage of net charge-offs (x) | 12.4870% | 2,202 |
| Efficiency ratio | 90.6773% | 349 |
| Assets per employee ($millions) | 1.8529% | 5,453 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,397 |
| Loan loss allowance to noncurrent loans | 91.8776% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 1,218 |
| Noncurrent loans to loans | 1.1732% | 1,486 |
| Net loans and leases to total assets | 75.6860% | 1,684 |
| Net loans and leases to deposits | 87.0054% | 2,223 |
| Net loans and leases to core deposits | 88.4272% | 2,684 |
| Total domestic deposits to total assets | 86.9900% | 1,845 |
| Equity capital to assets | 11.2152% | 2,443 |
| Core capital (leverage) ratio | 11.3162% | 2,238 |
| Tier 1 risk-based capital ratio | 18.3635% | 1,707 |
| Total risk-based capital ratio | 19.6179% | 1,671 |
| Memoranda: | ||
| Average total assets | $545,954,330 | 1,299 |
| Average earning assets | $519,422,670 | 1,273 |
| Average equity | $59,065,670 | 1,343 |
| Average total loans | $384,388,670 | 1,298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 3,341 |
| Cost of funding earning assets | 0.2917% | 4,405 |
| Net interest margin | 3.7769% | 2,516 |
| Noninterest income to average assets | 3.2013% | 151 |
| Noninterest expense to average assets | 6.5087% | 125 |
| Loan and lease loss provision to assets | 0.0721% | 2,320 |
| Net operating income to assets | 0.2451% | 5,189 |
| Return on assets (ROA) | 0.2444% | 5,191 |
| Pretax return on assets | 0.2134% | 5,249 |
| Return on Equity (ROE) | 2.2989% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.2989% | 4,244 |
| Net charge-offs to loans | 0.0737% | 1,383 |
| Credit loss provision to net charge-offs | 144.9275% | 1,253 |
| Earnings coverage of net charge-offs (x) | 5.7536% | 2,203 |
| Efficiency ratio | 95.7882% | 257 |
| Assets per employee ($millions) | 1.9754% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,238 |
| Loan loss allowance to noncurrent loans | 51.9481% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 696 |
| Noncurrent loans to loans | 2.1622% | 705 |
| Net loans and leases to total assets | 67.7260% | 2,797 |
| Net loans and leases to deposits | 77.1664% | 3,095 |
| Net loans and leases to core deposits | 78.3987% | 3,462 |
| Total domestic deposits to total assets | 87.7661% | 1,749 |
| Equity capital to assets | 10.6994% | 2,872 |
| Core capital (leverage) ratio | 11.0536% | 2,382 |
| Tier 1 risk-based capital ratio | 18.6890% | 1,637 |
| Total risk-based capital ratio | 19.9435% | 1,594 |
| Memoranda: | ||
| Average total assets | $554,892,000 | 1,288 |
| Average earning assets | $527,944,500 | 1,271 |
| Average equity | $58,986,000 | 1,352 |
| Average total loans | $374,564,500 | 1,328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,041 |
| Cost of funding earning assets | 0.3137% | 4,012 |
| Net interest margin | 3.7905% | 2,459 |
| Noninterest income to average assets | 4.0089% | 130 |
| Noninterest expense to average assets | 6.7483% | 121 |
| Loan and lease loss provision to assets | 0.0106% | 4,069 |
| Net operating income to assets | 0.4172% | 4,635 |
| Return on assets (ROA) | 0.4165% | 4,661 |
| Pretax return on assets | 0.8530% | 4,082 |
| Return on Equity (ROE) | 4.0014% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.2158% | 3,998 |
| Net charge-offs to loans | 0.1328% | 1,725 |
| Credit loss provision to net charge-offs | 11.5163% | 3,656 |
| Earnings coverage of net charge-offs (x) | 9.3724% | 2,798 |
| Efficiency ratio | 88.6455% | 493 |
| Assets per employee ($millions) | 1.9132% | 5,576 |
| Cash dividends to net income (ytd only)* | 44.6239% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,172 |
| Loan loss allowance to noncurrent loans | 50.3288% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8607% | 643 |
| Noncurrent loans to loans | 2.2503% | 635 |
| Net loans and leases to total assets | 65.7692% | 3,129 |
| Net loans and leases to deposits | 74.8651% | 3,439 |
| Net loans and leases to core deposits | 76.0801% | 3,737 |
| Total domestic deposits to total assets | 87.8502% | 1,583 |
| Equity capital to assets | 10.5619% | 3,095 |
| Core capital (leverage) ratio | 10.8081% | 2,530 |
| Tier 1 risk-based capital ratio | 18.9170% | 1,519 |
| Total risk-based capital ratio | 20.1719% | 1,484 |
| Memoranda: | ||
| Average total assets | $564,915,200 | 1,257 |
| Average earning assets | $537,086,600 | 1,229 |
| Average equity | $58,804,400 | 1,332 |
| Average total loans | $392,463,800 | 1,255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,019 |
| Cost of funding earning assets | 0.3163% | 3,969 |
| Net interest margin | 3.7745% | 2,486 |
| Noninterest income to average assets | 4.2653% | 133 |
| Noninterest expense to average assets | 6.8637% | 123 |
| Loan and lease loss provision to assets | 0.0141% | 3,868 |
| Net operating income to assets | 0.6268% | 4,289 |
| Return on assets (ROA) | 0.6261% | 4,344 |
| Pretax return on assets | 0.9730% | 3,794 |
| Return on Equity (ROE) | 6.0363% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.4478% | 3,251 |
| Net charge-offs to loans | -0.0282% | 4,976 |
| Credit loss provision to net charge-offs | -71.4286% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4187% | 545 |
| Assets per employee ($millions) | 1.9541% | 5,633 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,506 |
| Loan loss allowance to noncurrent loans | 76.6438% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 1,068 |
| Noncurrent loans to loans | 1.6598% | 1,099 |
| Net loans and leases to total assets | 67.3177% | 2,945 |
| Net loans and leases to deposits | 77.0587% | 3,264 |
| Net loans and leases to core deposits | 78.3274% | 3,603 |
| Total domestic deposits to total assets | 87.3590% | 1,693 |
| Equity capital to assets | 10.7966% | 3,062 |
| Core capital (leverage) ratio | 10.7592% | 2,691 |
| Tier 1 risk-based capital ratio | 18.9953% | 1,586 |
| Total risk-based capital ratio | 20.2523% | 1,547 |
| Memoranda: | ||
| Average total assets | $566,479,000 | 1,265 |
| Average earning assets | $538,236,000 | 1,234 |
| Average equity | $58,754,250 | 1,344 |
| Average total loans | $397,671,000 | 1,248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 2,984 |
| Cost of funding earning assets | 0.3140% | 3,941 |
| Net interest margin | 3.7433% | 2,502 |
| Noninterest income to average assets | 4.3674% | 129 |
| Noninterest expense to average assets | 6.9109% | 127 |
| Loan and lease loss provision to assets | 0.0210% | 3,562 |
| Net operating income to assets | 0.6386% | 4,131 |
| Return on assets (ROA) | 0.6379% | 4,184 |
| Pretax return on assets | 0.9924% | 3,595 |
| Return on Equity (ROE) | 6.2330% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.8344% | 3,409 |
| Net charge-offs to loans | -0.0247% | 4,860 |
| Credit loss provision to net charge-offs | -120.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2030% | 594 |
| Assets per employee ($millions) | 1.9965% | 5,675 |
| Cash dividends to net income (ytd only)* | 38.4827% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,327 |
| Loan loss allowance to noncurrent loans | 73.2904% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 1,087 |
| Noncurrent loans to loans | 1.5666% | 1,194 |
| Net loans and leases to total assets | 72.5833% | 2,112 |
| Net loans and leases to deposits | 82.8916% | 2,609 |
| Net loans and leases to core deposits | 84.6217% | 3,000 |
| Total domestic deposits to total assets | 87.5641% | 1,682 |
| Equity capital to assets | 10.4404% | 3,417 |
| Core capital (leverage) ratio | 10.5509% | 2,860 |
| Tier 1 risk-based capital ratio | 18.0171% | 1,849 |
| Total risk-based capital ratio | 19.2733% | 1,804 |
| Memoranda: | ||
| Average total assets | $570,314,330 | 1,267 |
| Average earning assets | $542,039,330 | 1,231 |
| Average equity | $58,366,330 | 1,354 |
| Average total loans | $404,091,670 | 1,237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 3,582 |
| Cost of funding earning assets | 0.3137% | 3,914 |
| Net interest margin | 3.5363% | 3,141 |
| Noninterest income to average assets | 3.7925% | 158 |
| Noninterest expense to average assets | 6.6010% | 140 |
| Loan and lease loss provision to assets | 0.0420% | 2,962 |
| Net operating income to assets | 0.3434% | 5,094 |
| Return on assets (ROA) | 0.3427% | 5,113 |
| Pretax return on assets | 0.5077% | 4,956 |
| Return on Equity (ROE) | 3.3822% | 4,994 |
| Retained earnings to average equity (ytd only) | 0.9663% | 4,671 |
| Net charge-offs to loans | -0.1709% | 5,591 |
| Credit loss provision to net charge-offs | -35.2941% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3039% | 436 |
| Assets per employee ($millions) | 2.0200% | 5,735 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,595 |
| Loan loss allowance to noncurrent loans | 66.5038% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 1,098 |
| Noncurrent loans to loans | 1.9366% | 932 |
| Net loans and leases to total assets | 65.4658% | 3,050 |
| Net loans and leases to deposits | 74.0940% | 3,391 |
| Net loans and leases to core deposits | 75.6428% | 3,688 |
| Total domestic deposits to total assets | 88.3550% | 1,505 |
| Equity capital to assets | 10.1227% | 3,600 |
| Core capital (leverage) ratio | 10.3757% | 3,031 |
| Tier 1 risk-based capital ratio | 18.4389% | 1,757 |
| Total risk-based capital ratio | 19.6961% | 1,713 |
| Memoranda: | ||
| Average total assets | $571,973,000 | 1,259 |
| Average earning assets | $543,280,500 | 1,232 |
| Average equity | $57,951,000 | 1,354 |
| Average total loans | $397,975,000 | 1,249 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,345 |
| Cost of funding earning assets | 0.3313% | 3,730 |
| Net interest margin | 3.9100% | 1,931 |
| Noninterest income to average assets | 5.4289% | 113 |
| Noninterest expense to average assets | 7.2761% | 124 |
| Loan and lease loss provision to assets | 0.0688% | 2,983 |
| Net operating income to assets | 1.1194% | 1,819 |
| Return on assets (ROA) | 1.0632% | 2,174 |
| Pretax return on assets | 1.6899% | 1,025 |
| Return on Equity (ROE) | 11.2946% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.6553% | 342 |
| Net charge-offs to loans | 0.3953% | 672 |
| Credit loss provision to net charge-offs | 23.3645% | 3,649 |
| Earnings coverage of net charge-offs (x) | 6.2716% | 3,204 |
| Efficiency ratio | 79.7633% | 1,447 |
| Assets per employee ($millions) | 2.0294% | 5,794 |
| Cash dividends to net income (ytd only)* | 5.6598% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,583 |
| Loan loss allowance to noncurrent loans | 46.0734% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.2223% | 587 |
| Noncurrent loans to loans | 2.4396% | 652 |
| Net loans and leases to total assets | 72.0394% | 2,162 |
| Net loans and leases to deposits | 81.9474% | 2,676 |
| Net loans and leases to core deposits | 83.6747% | 3,056 |
| Total domestic deposits to total assets | 87.9093% | 1,672 |
| Equity capital to assets | 10.1409% | 3,562 |
| Core capital (leverage) ratio | 10.3942% | 2,997 |
| Tier 1 risk-based capital ratio | 17.5443% | 1,995 |
| Total risk-based capital ratio | 18.7998% | 1,951 |
| Memoranda: | ||
| Average total assets | $581,631,600 | 1,201 |
| Average earning assets | $549,379,200 | 1,171 |
| Average equity | $54,752,000 | 1,406 |
| Average total loans | $433,063,000 | 1,127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 2,255 |
| Cost of funding earning assets | 0.3312% | 3,765 |
| Net interest margin | 3.9408% | 1,851 |
| Noninterest income to average assets | 5.9152% | 107 |
| Noninterest expense to average assets | 7.4910% | 117 |
| Loan and lease loss provision to assets | 0.0798% | 2,616 |
| Net operating income to assets | 1.2924% | 1,313 |
| Return on assets (ROA) | 1.2439% | 1,580 |
| Pretax return on assets | 1.9874% | 586 |
| Return on Equity (ROE) | 13.4682% | 926 |
| Retained earnings to average equity (ytd only) | 12.6038% | 244 |
| Net charge-offs to loans | 0.3435% | 667 |
| Credit loss provision to net charge-offs | 31.0559% | 3,220 |
| Earnings coverage of net charge-offs (x) | 8.3336% | 2,781 |
| Efficiency ratio | 77.7599% | 1,720 |
| Assets per employee ($millions) | 2.1170% | 5,844 |
| Cash dividends to net income (ytd only)* | 6.4186% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,598 |
| Loan loss allowance to noncurrent loans | 45.7663% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.4311% | 572 |
| Noncurrent loans to loans | 2.4947% | 705 |
| Net loans and leases to total assets | 75.7614% | 1,560 |
| Net loans and leases to deposits | 91.0229% | 1,628 |
| Net loans and leases to core deposits | 92.9628% | 2,281 |
| Total domestic deposits to total assets | 83.2333% | 3,502 |
| Equity capital to assets | 9.6768% | 4,489 |
| Core capital (leverage) ratio | 9.7941% | 3,814 |
| Tier 1 risk-based capital ratio | 15.2834% | 2,926 |
| Total risk-based capital ratio | 16.5381% | 2,854 |
| Memoranda: | ||
| Average total assets | $584,473,000 | 1,200 |
| Average earning assets | $551,480,500 | 1,170 |
| Average equity | $53,982,500 | 1,429 |
| Average total loans | $437,457,250 | 1,115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,278 |
| Cost of funding earning assets | 0.3216% | 3,881 |
| Net interest margin | 3.9422% | 1,834 |
| Noninterest income to average assets | 5.5589% | 111 |
| Noninterest expense to average assets | 7.2794% | 128 |
| Loan and lease loss provision to assets | 0.0688% | 2,761 |
| Net operating income to assets | 1.2082% | 1,569 |
| Return on assets (ROA) | 1.2076% | 1,672 |
| Pretax return on assets | 1.9273% | 662 |
| Return on Equity (ROE) | 13.2907% | 960 |
| Retained earnings to average equity (ytd only) | 11.9647% | 333 |
| Net charge-offs to loans | 0.0204% | 3,082 |
| Credit loss provision to net charge-offs | 454.5455% | 707 |
| Earnings coverage of net charge-offs (x) | 131.8409% | 455 |
| Efficiency ratio | 78.4734% | 1,716 |
| Assets per employee ($millions) | 2.1890% | 5,896 |
| Cash dividends to net income (ytd only)* | 9.9772% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,774 |
| Loan loss allowance to noncurrent loans | 45.7991% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.8407% | 439 |
| Noncurrent loans to loans | 2.8414% | 543 |
| Net loans and leases to total assets | 75.6825% | 1,538 |
| Net loans and leases to deposits | 94.7797% | 1,210 |
| Net loans and leases to core deposits | 96.4827% | 1,933 |
| Total domestic deposits to total assets | 79.8510% | 4,580 |
| Equity capital to assets | 8.8925% | 5,318 |
| Core capital (leverage) ratio | 9.7467% | 3,874 |
| Tier 1 risk-based capital ratio | 14.3488% | 3,406 |
| Total risk-based capital ratio | 15.6060% | 3,321 |
| Memoranda: | ||
| Average total assets | $581,009,330 | 1,209 |
| Average earning assets | $547,862,000 | 1,184 |
| Average equity | $52,788,670 | 1,471 |
| Average total loans | $431,315,670 | 1,135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,056 |
| Cost of funding earning assets | 0.3196% | 3,952 |
| Net interest margin | 4.0030% | 1,605 |
| Noninterest income to average assets | 4.8542% | 123 |
| Noninterest expense to average assets | 7.1104% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9653% | 2,434 |
| Return on assets (ROA) | 0.9646% | 2,553 |
| Pretax return on assets | 1.5270% | 1,513 |
| Return on Equity (ROE) | 10.4950% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.4950% | 744 |
| Net charge-offs to loans | -0.0049% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3138% | 1,346 |
| Assets per employee ($millions) | 2.0589% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,921 |
| Loan loss allowance to noncurrent loans | 54.4471% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.7257% | 513 |
| Noncurrent loans to loans | 2.7806% | 627 |
| Net loans and leases to total assets | 69.0364% | 2,489 |
| Net loans and leases to deposits | 77.6927% | 3,033 |
| Net loans and leases to core deposits | 79.2048% | 3,395 |
| Total domestic deposits to total assets | 88.8583% | 1,177 |
| Equity capital to assets | 9.2323% | 4,955 |
| Core capital (leverage) ratio | 9.7575% | 3,836 |
| Tier 1 risk-based capital ratio | 15.0443% | 3,135 |
| Total risk-based capital ratio | 16.3028% | 3,069 |
| Memoranda: | ||
| Average total assets | $563,963,500 | 1,248 |
| Average earning assets | $533,100,500 | 1,214 |
| Average equity | $51,834,000 | 1,483 |
| Average total loans | $411,142,500 | 1,177 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,112 |
| Cost of funding earning assets | 0.3103% | 4,140 |
| Net interest margin | 3.7399% | 2,605 |
| Noninterest income to average assets | 5.2391% | 118 |
| Noninterest expense to average assets | 7.3352% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9238% | 2,735 |
| Return on assets (ROA) | 0.9237% | 2,830 |
| Pretax return on assets | 1.4576% | 1,688 |
| Return on Equity (ROE) | 10.1552% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.7834% | 987 |
| Net charge-offs to loans | -0.3386% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4247% | 1,233 |
| Assets per employee ($millions) | 2.0881% | 6,029 |
| Cash dividends to net income (ytd only)* | 23.3554% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 2,412 |
| Loan loss allowance to noncurrent loans | 51.1632% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.6910% | 545 |
| Noncurrent loans to loans | 2.7393% | 638 |
| Net loans and leases to total assets | 74.6478% | 1,621 |
| Net loans and leases to deposits | 84.9431% | 2,248 |
| Net loans and leases to core deposits | 86.4272% | 2,763 |
| Total domestic deposits to total assets | 87.8798% | 1,695 |
| Equity capital to assets | 9.1497% | 4,971 |
| Core capital (leverage) ratio | 9.7080% | 3,893 |
| Tier 1 risk-based capital ratio | 14.1822% | 3,617 |
| Total risk-based capital ratio | 15.4397% | 3,527 |
| Memoranda: | ||
| Average total assets | $556,261,800 | 1,224 |
| Average earning assets | $528,541,200 | 1,192 |
| Average equity | $50,595,000 | 1,467 |
| Average total loans | $413,507,800 | 1,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,308 |
| Cost of funding earning assets | 0.3061% | 4,262 |
| Net interest margin | 3.7007% | 2,766 |
| Noninterest income to average assets | 5.7102% | 114 |
| Noninterest expense to average assets | 7.5857% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0363% | 2,293 |
| Return on assets (ROA) | 1.0363% | 2,390 |
| Pretax return on assets | 1.6429% | 1,259 |
| Return on Equity (ROE) | 11.4110% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.1601% | 850 |
| Net charge-offs to loans | -0.4021% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2022% | 1,366 |
| Assets per employee ($millions) | 1.9420% | 6,145 |
| Cash dividends to net income (ytd only)* | 19.7262% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 2,358 |
| Loan loss allowance to noncurrent loans | 62.1223% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 728 |
| Noncurrent loans to loans | 2.3389% | 901 |
| Net loans and leases to total assets | 72.3253% | 2,009 |
| Net loans and leases to deposits | 82.3735% | 2,600 |
| Net loans and leases to core deposits | 83.9493% | 3,047 |
| Total domestic deposits to total assets | 87.8016% | 1,656 |
| Equity capital to assets | 9.5319% | 4,714 |
| Core capital (leverage) ratio | 9.7170% | 4,011 |
| Tier 1 risk-based capital ratio | 14.7673% | 3,405 |
| Total risk-based capital ratio | 16.0255% | 3,354 |
| Memoranda: | ||
| Average total assets | $554,383,000 | 1,236 |
| Average earning assets | $526,982,000 | 1,202 |
| Average equity | $50,347,750 | 1,483 |
| Average total loans | $410,177,500 | 1,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 3,516 |
| Cost of funding earning assets | 0.2975% | 4,424 |
| Net interest margin | 3.6473% | 2,913 |
| Noninterest income to average assets | 6.1908% | 111 |
| Noninterest expense to average assets | 7.8079% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1433% | 1,798 |
| Return on assets (ROA) | 1.1438% | 1,874 |
| Pretax return on assets | 1.8558% | 809 |
| Return on Equity (ROE) | 12.8013% | 1,158 |
| Retained earnings to average equity (ytd only) | 9.3871% | 806 |
| Net charge-offs to loans | -0.6028% | 6,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8052% | 1,647 |
| Assets per employee ($millions) | 1.9624% | 6,219 |
| Cash dividends to net income (ytd only)* | 26.6709% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 3,248 |
| Loan loss allowance to noncurrent loans | 64.6622% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.2713% | 901 |
| Noncurrent loans to loans | 2.0089% | 1,210 |
| Net loans and leases to total assets | 78.0832% | 1,059 |
| Net loans and leases to deposits | 92.5614% | 1,309 |
| Net loans and leases to core deposits | 93.9236% | 1,963 |
| Total domestic deposits to total assets | 84.3583% | 3,419 |
| Equity capital to assets | 8.9408% | 5,292 |
| Core capital (leverage) ratio | 9.4346% | 4,371 |
| Tier 1 risk-based capital ratio | 14.5725% | 3,593 |
| Total risk-based capital ratio | 15.8310% | 3,519 |
| Memoranda: | ||
| Average total assets | $557,278,670 | 1,236 |
| Average earning assets | $530,470,330 | 1,201 |
| Average equity | $49,792,000 | 1,508 |
| Average total loans | $413,405,000 | 1,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,636 |
| Cost of funding earning assets | 0.2940% | 4,509 |
| Net interest margin | 3.3228% | 4,120 |
| Noninterest income to average assets | 6.3199% | 113 |
| Noninterest expense to average assets | 7.6821% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1187% | 1,801 |
| Return on assets (ROA) | 1.1203% | 1,904 |
| Pretax return on assets | 1.8162% | 844 |
| Return on Equity (ROE) | 12.5428% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.5428% | 497 |
| Net charge-offs to loans | -0.0010% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9030% | 1,769 |
| Assets per employee ($millions) | 1.9972% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 4,593 |
| Loan loss allowance to noncurrent loans | 32.8436% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.1908% | 558 |
| Noncurrent loans to loans | 3.3038% | 612 |
| Net loans and leases to total assets | 73.9158% | 1,516 |
| Net loans and leases to deposits | 83.7063% | 2,120 |
| Net loans and leases to core deposits | 84.8643% | 2,675 |
| Total domestic deposits to total assets | 88.3037% | 1,657 |
| Equity capital to assets | 8.9059% | 5,389 |
| Core capital (leverage) ratio | 9.3910% | 4,445 |
| Tier 1 risk-based capital ratio | 14.9165% | 3,474 |
| Total risk-based capital ratio | 16.1712% | 3,410 |
| Memoranda: | ||
| Average total assets | $552,352,500 | 1,249 |
| Average earning assets | $527,869,000 | 1,211 |
| Average equity | $49,335,000 | 1,529 |
| Average total loans | $395,776,500 | 1,161 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 5,508 |
| Cost of funding earning assets | 0.2899% | 4,896 |
| Net interest margin | 3.1215% | 5,151 |
| Noninterest income to average assets | 4.2241% | 141 |
| Noninterest expense to average assets | 6.8560% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2354% | 5,690 |
| Return on assets (ROA) | 0.2339% | 5,756 |
| Pretax return on assets | 0.3739% | 5,552 |
| Return on Equity (ROE) | 2.5983% | 5,603 |
| Retained earnings to average equity (ytd only) | -0.4851% | 5,846 |
| Net charge-offs to loans | -0.1129% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8015% | 555 |
| Assets per employee ($millions) | 1.9131% | 6,386 |
| Cash dividends to net income (ytd only)* | 118.6709% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,763 |
| Loan loss allowance to noncurrent loans | 36.3651% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 3.1468% | 619 |
| Noncurrent loans to loans | 3.4129% | 614 |
| Net loans and leases to total assets | 67.5833% | 2,630 |
| Net loans and leases to deposits | 75.7054% | 3,232 |
| Net loans and leases to core deposits | 76.7077% | 3,637 |
| Total domestic deposits to total assets | 89.2714% | 1,084 |
| Equity capital to assets | 8.9590% | 5,334 |
| Core capital (leverage) ratio | 9.0460% | 4,916 |
| Tier 1 risk-based capital ratio | 17.1932% | 2,432 |
| Total risk-based capital ratio | 18.4521% | 2,379 |
| Memoranda: | ||
| Average total assets | $540,490,200 | 1,237 |
| Average earning assets | $520,800,000 | 1,172 |
| Average equity | $48,647,800 | 1,480 |
| Average total loans | $326,820,200 | 1,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3239% | 5,722 |
| Cost of funding earning assets | 0.2922% | 4,964 |
| Net interest margin | 3.0317% | 5,434 |
| Noninterest income to average assets | 4.1461% | 143 |
| Noninterest expense to average assets | 6.7923% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1717% | 5,903 |
| Return on assets (ROA) | 0.1699% | 5,943 |
| Pretax return on assets | 0.2727% | 5,822 |
| Return on Equity (ROE) | 1.8853% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.8853% | 5,112 |
| Net charge-offs to loans | 0.0059% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 79.6979% | 706 |
| Efficiency ratio | 96.1065% | 505 |
| Assets per employee ($millions) | 1.7959% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,299 |
| Loan loss allowance to noncurrent loans | 32.7254% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 3.1174% | 738 |
| Noncurrent loans to loans | 3.6263% | 646 |
| Net loans and leases to total assets | 66.9000% | 2,703 |
| Net loans and leases to deposits | 75.3321% | 3,269 |
| Net loans and leases to core deposits | 76.4496% | 3,693 |
| Total domestic deposits to total assets | 88.8067% | 1,350 |
| Equity capital to assets | 9.4280% | 4,885 |
| Core capital (leverage) ratio | 9.4262% | 4,476 |
| Tier 1 risk-based capital ratio | 18.1526% | 2,163 |
| Total risk-based capital ratio | 19.4105% | 2,120 |
| Memoranda: | ||
| Average total assets | $540,739,250 | 1,243 |
| Average earning assets | $521,059,500 | 1,176 |
| Average equity | $48,726,500 | 1,483 |
| Average total loans | $316,227,750 | 1,384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1419% | 6,014 |
| Cost of funding earning assets | 0.2925% | 5,040 |
| Net interest margin | 2.8495% | 5,818 |
| Noninterest income to average assets | 4.1567% | 144 |
| Noninterest expense to average assets | 6.7431% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0942% | 6,053 |
| Return on assets (ROA) | 0.0933% | 6,086 |
| Pretax return on assets | 0.1566% | 6,015 |
| Return on Equity (ROE) | 1.0506% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.0506% | 5,337 |
| Net charge-offs to loans | 0.0421% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.7344% | 2,730 |
| Efficiency ratio | 97.7155% | 479 |
| Assets per employee ($millions) | 1.9180% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,712 |
| Loan loss allowance to noncurrent loans | 39.9981% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5095% | 1,133 |
| Noncurrent loans to loans | 2.8485% | 1,050 |
| Net loans and leases to total assets | 67.0360% | 2,571 |
| Net loans and leases to deposits | 75.1933% | 3,162 |
| Net loans and leases to core deposits | 76.0498% | 3,624 |
| Total domestic deposits to total assets | 89.1516% | 1,276 |
| Equity capital to assets | 9.0846% | 5,215 |
| Core capital (leverage) ratio | 9.3142% | 4,568 |
| Tier 1 risk-based capital ratio | 18.9664% | 1,932 |
| Total risk-based capital ratio | 20.2245% | 1,892 |
| Memoranda: | ||
| Average total assets | $546,780,330 | 1,225 |
| Average earning assets | $526,552,000 | 1,158 |
| Average equity | $48,544,670 | 1,474 |
| Average total loans | $303,694,000 | 1,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0229% | 6,218 |
| Cost of funding earning assets | 0.2948% | 5,123 |
| Net interest margin | 2.7281% | 6,067 |
| Noninterest income to average assets | 3.7734% | 149 |
| Noninterest expense to average assets | 6.6172% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1344% | 6,304 |
| Return on assets (ROA) | -0.1356% | 6,315 |
| Pretax return on assets | -0.2212% | 6,359 |
| Return on Equity (ROE) | -1.5447% | 6,334 |
| Retained earnings to average equity (ytd only) | -1.5447% | 5,804 |
| Net charge-offs to loans | 0.0219% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -20.2000% | 3,619 |
| Efficiency ratio | 103.4342% | 390 |
| Assets per employee ($millions) | 1.9818% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,901 |
| Loan loss allowance to noncurrent loans | 42.6150% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 1,110 |
| Noncurrent loans to loans | 3.6485% | 777 |
| Net loans and leases to total assets | 48.4196% | 5,070 |
| Net loans and leases to deposits | 54.0047% | 5,286 |
| Net loans and leases to core deposits | 54.6300% | 5,458 |
| Total domestic deposits to total assets | 89.6581% | 1,271 |
| Equity capital to assets | 8.8064% | 5,329 |
| Core capital (leverage) ratio | 9.0315% | 4,961 |
| Tier 1 risk-based capital ratio | 22.4179% | 1,226 |
| Total risk-based capital ratio | 23.6808% | 1,196 |
| Memoranda: | ||
| Average total assets | $551,651,500 | 1,221 |
| Average earning assets | $530,616,500 | 1,157 |
| Average equity | $48,423,000 | 1,477 |
| Average total loans | $273,462,000 | 1,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 6,193 |
| Cost of funding earning assets | 0.3214% | 5,410 |
| Net interest margin | 2.8289% | 5,935 |
| Noninterest income to average assets | 4.8690% | 139 |
| Noninterest expense to average assets | 7.6599% | 124 |
| Loan and lease loss provision to assets | 0.0270% | 4,590 |
| Net operating income to assets | -0.0740% | 6,276 |
| Return on assets (ROA) | -0.0745% | 6,302 |
| Pretax return on assets | -0.1157% | 6,301 |
| Return on Equity (ROE) | -0.8399% | 6,314 |
| Retained earnings to average equity (ytd only) | -0.8399% | 6,036 |
| Net charge-offs to loans | 0.1029% | 3,799 |
| Credit loss provision to net charge-offs | 44.1176% | 3,957 |
| Earnings coverage of net charge-offs (x) | -1.4412% | 5,297 |
| Efficiency ratio | 101.1649% | 446 |
| Assets per employee ($millions) | 1.9658% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,092 |
| Loan loss allowance to noncurrent loans | 30.8962% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 3.4220% | 871 |
| Noncurrent loans to loans | 4.9241% | 520 |
| Net loans and leases to total assets | 49.1949% | 5,177 |
| Net loans and leases to deposits | 54.9256% | 5,388 |
| Net loans and leases to core deposits | 55.5545% | 5,572 |
| Total domestic deposits to total assets | 89.5665% | 1,289 |
| Equity capital to assets | 8.7495% | 5,308 |
| Core capital (leverage) ratio | 8.9782% | 5,041 |
| Tier 1 risk-based capital ratio | 21.9356% | 1,270 |
| Total risk-based capital ratio | 23.1978% | 1,247 |
| Memoranda: | ||
| Average total assets | $555,518,800 | 1,192 |
| Average earning assets | $530,739,600 | 1,141 |
| Average equity | $49,292,000 | 1,429 |
| Average total loans | $330,393,000 | 1,288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1988% | 6,195 |
| Cost of funding earning assets | 0.3248% | 5,508 |
| Net interest margin | 2.8740% | 5,869 |
| Noninterest income to average assets | 5.4708% | 131 |
| Noninterest expense to average assets | 7.8679% | 120 |
| Loan and lease loss provision to assets | 0.0360% | 4,300 |
| Net operating income to assets | 0.1818% | 5,960 |
| Return on assets (ROA) | 0.1811% | 6,028 |
| Pretax return on assets | 0.3068% | 5,861 |
| Return on Equity (ROE) | 2.0341% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.0341% | 5,112 |
| Net charge-offs to loans | 0.0768% | 3,845 |
| Credit loss provision to net charge-offs | 75.7576% | 2,952 |
| Earnings coverage of net charge-offs (x) | 7.2324% | 2,824 |
| Efficiency ratio | 95.8167% | 636 |
| Assets per employee ($millions) | 1.9064% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,097 |
| Loan loss allowance to noncurrent loans | 30.2788% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 3.4145% | 1,005 |
| Noncurrent loans to loans | 5.2187% | 552 |
| Net loans and leases to total assets | 47.1144% | 5,436 |
| Net loans and leases to deposits | 54.9571% | 5,458 |
| Net loans and leases to core deposits | 55.5035% | 5,668 |
| Total domestic deposits to total assets | 85.7295% | 3,387 |
| Equity capital to assets | 8.6327% | 5,588 |
| Core capital (leverage) ratio | 8.8481% | 5,332 |
| Tier 1 risk-based capital ratio | 22.7877% | 1,181 |
| Total risk-based capital ratio | 24.0505% | 1,158 |
| Memoranda: | ||
| Average total assets | $555,811,000 | 1,204 |
| Average earning assets | $530,017,750 | 1,155 |
| Average equity | $49,489,250 | 1,438 |
| Average total loans | $343,760,000 | 1,238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 6,107 |
| Cost of funding earning assets | 0.3312% | 5,557 |
| Net interest margin | 2.9568% | 5,679 |
| Noninterest income to average assets | 6.1416% | 117 |
| Noninterest expense to average assets | 8.2033% | 114 |
| Loan and lease loss provision to assets | 0.1275% | 2,720 |
| Net operating income to assets | 0.3751% | 5,307 |
| Return on assets (ROA) | 0.3744% | 5,480 |
| Pretax return on assets | 0.6195% | 4,950 |
| Return on Equity (ROE) | 4.1604% | 5,150 |
| Retained earnings to average equity (ytd only) | 4.1604% | 3,640 |
| Net charge-offs to loans | 0.1386% | 2,993 |
| Credit loss provision to net charge-offs | 137.7953% | 1,650 |
| Earnings coverage of net charge-offs (x) | 8.0827% | 2,458 |
| Efficiency ratio | 91.6470% | 917 |
| Assets per employee ($millions) | 1.8345% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 4,597 |
| Loan loss allowance to noncurrent loans | 30.8955% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 4.0197% | 859 |
| Noncurrent loans to loans | 4.1476% | 915 |
| Net loans and leases to total assets | 62.3545% | 3,229 |
| Net loans and leases to deposits | 70.4627% | 3,662 |
| Net loans and leases to core deposits | 71.1640% | 4,153 |
| Total domestic deposits to total assets | 88.4929% | 1,919 |
| Equity capital to assets | 8.9907% | 5,231 |
| Core capital (leverage) ratio | 9.2136% | 4,677 |
| Tier 1 risk-based capital ratio | 19.9457% | 1,734 |
| Total risk-based capital ratio | 21.2056% | 1,696 |
| Memoranda: | ||
| Average total assets | $549,172,000 | 1,222 |
| Average earning assets | $521,779,000 | 1,178 |
| Average equity | $49,418,670 | 1,447 |
| Average total loans | $366,478,000 | 1,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3825% | 5,979 |
| Cost of funding earning assets | 0.3284% | 5,732 |
| Net interest margin | 3.0542% | 5,414 |
| Noninterest income to average assets | 6.0267% | 116 |
| Noninterest expense to average assets | 8.3373% | 114 |
| Loan and lease loss provision to assets | 0.1099% | 2,863 |
| Net operating income to assets | 0.2865% | 5,607 |
| Return on assets (ROA) | 0.2858% | 5,728 |
| Pretax return on assets | 0.4756% | 5,339 |
| Return on Equity (ROE) | 3.1745% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.1745% | 4,359 |
| Net charge-offs to loans | 0.2031% | 2,201 |
| Credit loss provision to net charge-offs | 78.9474% | 2,166 |
| Earnings coverage of net charge-offs (x) | 4.2105% | 2,599 |
| Efficiency ratio | 93.4302% | 882 |
| Assets per employee ($millions) | 1.8557% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,657 |
| Loan loss allowance to noncurrent loans | 24.6776% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 5.1537% | 693 |
| Noncurrent loans to loans | 5.3019% | 705 |
| Net loans and leases to total assets | 59.9128% | 3,442 |
| Net loans and leases to deposits | 67.4158% | 3,849 |
| Net loans and leases to core deposits | 67.7592% | 4,335 |
| Total domestic deposits to total assets | 88.8706% | 1,754 |
| Equity capital to assets | 8.9816% | 5,505 |
| Core capital (leverage) ratio | 9.2070% | 4,560 |
| Tier 1 risk-based capital ratio | 19.8155% | 1,820 |
| Total risk-based capital ratio | 21.0743% | 1,785 |
| Memoranda: | ||
| Average total assets | $545,837,500 | 1,238 |
| Average earning assets | $517,719,500 | 1,203 |
| Average equity | $49,141,000 | 1,473 |
| Average total loans | $374,171,500 | 1,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 4,636 |
| Cost of funding earning assets | 0.3186% | 6,367 |
| Net interest margin | 3.8701% | 2,947 |
| Noninterest income to average assets | 7.9312% | 91 |
| Noninterest expense to average assets | 9.6865% | 86 |
| Loan and lease loss provision to assets | 0.8079% | 599 |
| Net operating income to assets | 0.6403% | 4,034 |
| Return on assets (ROA) | 0.6395% | 4,302 |
| Pretax return on assets | 1.0573% | 3,335 |
| Return on Equity (ROE) | 7.2530% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.2530% | 1,450 |
| Net charge-offs to loans | 1.7726% | 466 |
| Credit loss provision to net charge-offs | 59.3643% | 4,466 |
| Earnings coverage of net charge-offs (x) | 1.3711% | 4,769 |
| Efficiency ratio | 83.8479% | 1,647 |
| Assets per employee ($millions) | 1.8323% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,715 |
| Loan loss allowance to noncurrent loans | 25.6585% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 5.2729% | 721 |
| Noncurrent loans to loans | 4.1361% | 1,108 |
| Net loans and leases to total assets | 75.6812% | 963 |
| Net loans and leases to deposits | 85.8514% | 1,534 |
| Net loans and leases to core deposits | 86.2970% | 2,274 |
| Total domestic deposits to total assets | 88.1538% | 2,128 |
| Equity capital to assets | 9.0244% | 5,497 |
| Core capital (leverage) ratio | 9.2525% | 4,499 |
| Tier 1 risk-based capital ratio | 16.8700% | 2,714 |
| Total risk-based capital ratio | 18.1249% | 2,676 |
| Memoranda: | ||
| Average total assets | $536,347,000 | 1,245 |
| Average earning assets | $501,846,600 | 1,210 |
| Average equity | $47,290,800 | 1,476 |
| Average total loans | $411,771,000 | 1,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 4,683 |
| Cost of funding earning assets | 0.3177% | 6,526 |
| Net interest margin | 3.9200% | 2,841 |
| Noninterest income to average assets | 8.5055% | 85 |
| Noninterest expense to average assets | 9.9145% | 83 |
| Loan and lease loss provision to assets | 0.7598% | 645 |
| Net operating income to assets | 0.9017% | 2,976 |
| Return on assets (ROA) | 0.9012% | 3,209 |
| Pretax return on assets | 1.4880% | 1,926 |
| Return on Equity (ROE) | 10.2820% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.2820% | 840 |
| Net charge-offs to loans | 1.5121% | 564 |
| Credit loss provision to net charge-offs | 65.3937% | 4,016 |
| Earnings coverage of net charge-offs (x) | 1.9350% | 4,295 |
| Efficiency ratio | 81.5147% | 1,862 |
| Assets per employee ($millions) | 1.7804% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,742 |
| Loan loss allowance to noncurrent loans | 39.4166% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 5.1976% | 839 |
| Noncurrent loans to loans | 3.3377% | 1,649 |
| Net loans and leases to total assets | 81.3769% | 396 |
| Net loans and leases to deposits | 92.6903% | 904 |
| Net loans and leases to core deposits | 93.1957% | 1,665 |
| Total domestic deposits to total assets | 87.7944% | 2,178 |
| Equity capital to assets | 9.2601% | 5,519 |
| Core capital (leverage) ratio | 9.4931% | 4,281 |
| Tier 1 risk-based capital ratio | 15.9753% | 3,276 |
| Total risk-based capital ratio | 17.2323% | 3,241 |
| Memoranda: | ||
| Average total assets | $534,840,000 | 1,263 |
| Average earning assets | $498,998,000 | 1,230 |
| Average equity | $46,877,000 | 1,505 |
| Average total loans | $410,994,000 | 1,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 5,421 |
| Cost of funding earning assets | 0.3185% | 6,654 |
| Net interest margin | 3.7504% | 3,588 |
| Noninterest income to average assets | 8.2702% | 86 |
| Noninterest expense to average assets | 9.8630% | 83 |
| Loan and lease loss provision to assets | 0.8570% | 564 |
| Net operating income to assets | 0.6355% | 4,194 |
| Return on assets (ROA) | 0.6348% | 4,444 |
| Pretax return on assets | 1.0491% | 3,521 |
| Return on Equity (ROE) | 7.3798% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.3798% | 1,925 |
| Net charge-offs to loans | 2.1012% | 382 |
| Credit loss provision to net charge-offs | 54.3905% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.2102% | 4,403 |
| Efficiency ratio | 83.7986% | 1,656 |
| Assets per employee ($millions) | 1.6906% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,831 |
| Loan loss allowance to noncurrent loans | 24.8255% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 6.4076% | 643 |
| Noncurrent loans to loans | 5.2947% | 899 |
| Net loans and leases to total assets | 77.4595% | 786 |
| Net loans and leases to deposits | 87.4436% | 1,427 |
| Net loans and leases to core deposits | 88.0318% | 2,207 |
| Total domestic deposits to total assets | 88.5822% | 1,767 |
| Equity capital to assets | 8.9518% | 5,755 |
| Core capital (leverage) ratio | 9.1860% | 4,632 |
| Tier 1 risk-based capital ratio | 15.7167% | 3,321 |
| Total risk-based capital ratio | 16.9730% | 3,284 |
| Memoranda: | ||
| Average total assets | $536,264,330 | 1,261 |
| Average earning assets | $500,426,670 | 1,229 |
| Average equity | $46,125,670 | 1,511 |
| Average total loans | $402,153,670 | 1,047 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 6,017 |
| Cost of funding earning assets | 0.3161% | 6,793 |
| Net interest margin | 3.5842% | 4,332 |
| Noninterest income to average assets | 7.1009% | 99 |
| Noninterest expense to average assets | 9.0888% | 96 |
| Loan and lease loss provision to assets | 1.1837% | 327 |
| Net operating income to assets | 0.0940% | 6,246 |
| Return on assets (ROA) | 0.0932% | 6,373 |
| Pretax return on assets | 0.1576% | 6,275 |
| Return on Equity (ROE) | 1.1058% | 6,327 |
| Retained earnings to average equity (ytd only) | 1.1058% | 5,642 |
| Net charge-offs to loans | 1.4860% | 674 |
| Credit loss provision to net charge-offs | 108.6957% | 2,151 |
| Earnings coverage of net charge-offs (x) | 1.2323% | 3,720 |
| Efficiency ratio | 87.1338% | 1,368 |
| Assets per employee ($millions) | 1.7027% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 2,698 |
| Loan loss allowance to noncurrent loans | 28.3913% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 7.8431% | 498 |
| Noncurrent loans to loans | 6.6625% | 705 |
| Net loans and leases to total assets | 72.9617% | 1,230 |
| Net loans and leases to deposits | 81.8154% | 1,960 |
| Net loans and leases to core deposits | 82.2679% | 2,793 |
| Total domestic deposits to total assets | 89.1785% | 1,580 |
| Equity capital to assets | 8.5642% | 6,026 |
| Core capital (leverage) ratio | 8.7958% | 5,136 |
| Tier 1 risk-based capital ratio | 14.8398% | 3,863 |
| Total risk-based capital ratio | 16.1061% | 3,820 |
| Memoranda: | ||
| Average total assets | $540,662,500 | 1,254 |
| Average earning assets | $502,312,000 | 1,225 |
| Average equity | $45,579,500 | 1,521 |
| Average total loans | $396,222,500 | 1,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 5,857 |
| Cost of funding earning assets | 0.6039% | 6,074 |
| Net interest margin | 3.6648% | 4,454 |
| Noninterest income to average assets | 5.3416% | 112 |
| Noninterest expense to average assets | 7.9064% | 108 |
| Loan and lease loss provision to assets | 0.1829% | 4,362 |
| Net operating income to assets | 0.3344% | 5,129 |
| Return on assets (ROA) | 0.2865% | 5,457 |
| Pretax return on assets | 0.6365% | 4,572 |
| Return on Equity (ROE) | 3.6917% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.6917% | 3,582 |
| Net charge-offs to loans | 1.2131% | 1,384 |
| Credit loss provision to net charge-offs | 21.1527% | 5,902 |
| Earnings coverage of net charge-offs (x) | 1.0032% | 5,038 |
| Efficiency ratio | 90.1150% | 1,184 |
| Assets per employee ($millions) | 1.7299% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,767 |
| Loan loss allowance to noncurrent loans | 33.0538% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 4.9186% | 1,093 |
| Noncurrent loans to loans | 3.3721% | 1,919 |
| Net loans and leases to total assets | 71.4263% | 1,742 |
| Net loans and leases to deposits | 78.8010% | 2,712 |
| Net loans and leases to core deposits | 79.2154% | 3,549 |
| Total domestic deposits to total assets | 90.6413% | 649 |
| Equity capital to assets | 8.3001% | 6,353 |
| Core capital (leverage) ratio | 8.5250% | 5,518 |
| Tier 1 risk-based capital ratio | 14.6388% | 3,872 |
| Total risk-based capital ratio | 15.8810% | 3,856 |
| Memoranda: | ||
| Average total assets | $572,016,400 | 1,152 |
| Average earning assets | $535,693,800 | 1,116 |
| Average equity | $44,396,600 | 1,527 |
| Average total loans | $407,625,200 | 1,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 6,094 |
| Cost of funding earning assets | 0.6411% | 6,085 |
| Net interest margin | 3.6044% | 4,748 |
| Noninterest income to average assets | 5.0483% | 124 |
| Noninterest expense to average assets | 7.5870% | 115 |
| Loan and lease loss provision to assets | -0.0035% | 7,289 |
| Net operating income to assets | 0.4028% | 4,988 |
| Return on assets (ROA) | 0.3398% | 5,427 |
| Pretax return on assets | 0.7766% | 4,208 |
| Return on Equity (ROE) | 4.4517% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.4517% | 3,553 |
| Net charge-offs to loans | 1.1875% | 1,320 |
| Credit loss provision to net charge-offs | -0.4103% | 6,389 |
| Earnings coverage of net charge-offs (x) | 0.9912% | 4,888 |
| Efficiency ratio | 90.0740% | 1,161 |
| Assets per employee ($millions) | 1.6581% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,706 |
| Loan loss allowance to noncurrent loans | 30.6752% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 5.2921% | 1,075 |
| Noncurrent loans to loans | 3.7318% | 1,822 |
| Net loans and leases to total assets | 73.2748% | 1,459 |
| Net loans and leases to deposits | 81.3361% | 2,477 |
| Net loans and leases to core deposits | 81.6742% | 3,380 |
| Total domestic deposits to total assets | 90.0890% | 819 |
| Equity capital to assets | 8.2880% | 6,494 |
| Core capital (leverage) ratio | 8.5132% | 5,694 |
| Tier 1 risk-based capital ratio | 13.7827% | 4,514 |
| Total risk-based capital ratio | 15.0254% | 4,480 |
| Memoranda: | ||
| Average total assets | $577,923,500 | 1,147 |
| Average earning assets | $541,103,000 | 1,113 |
| Average equity | $44,116,500 | 1,540 |
| Average total loans | $410,504,500 | 1,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 6,255 |
| Cost of funding earning assets | 0.6922% | 6,007 |
| Net interest margin | 3.5210% | 5,066 |
| Noninterest income to average assets | 4.0271% | 166 |
| Noninterest expense to average assets | 7.1354% | 138 |
| Loan and lease loss provision to assets | -0.3791% | 7,469 |
| Net operating income to assets | 0.1918% | 5,763 |
| Return on assets (ROA) | 0.0949% | 6,109 |
| Pretax return on assets | 0.4740% | 5,161 |
| Return on Equity (ROE) | 1.2767% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.2767% | 5,340 |
| Net charge-offs to loans | 0.7920% | 1,922 |
| Credit loss provision to net charge-offs | -68.3211% | 6,279 |
| Earnings coverage of net charge-offs (x) | 0.3456% | 5,051 |
| Efficiency ratio | 97.3826% | 815 |
| Assets per employee ($millions) | 1.7055% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 4,699 |
| Loan loss allowance to noncurrent loans | 26.3539% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 6.5140% | 817 |
| Noncurrent loans to loans | 5.2210% | 1,235 |
| Net loans and leases to total assets | 70.6864% | 2,073 |
| Net loans and leases to deposits | 77.8282% | 3,149 |
| Net loans and leases to core deposits | 78.1382% | 4,036 |
| Total domestic deposits to total assets | 90.8237% | 572 |
| Equity capital to assets | 7.8222% | 6,791 |
| Core capital (leverage) ratio | 8.1092% | 6,151 |
| Tier 1 risk-based capital ratio | 13.3263% | 4,666 |
| Total risk-based capital ratio | 14.5723% | 4,651 |
| Memoranda: | ||
| Average total assets | $588,168,670 | 1,134 |
| Average earning assets | $551,263,000 | 1,098 |
| Average equity | $43,705,000 | 1,539 |
| Average total loans | $412,141,330 | 1,038 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 6,207 |
| Cost of funding earning assets | 0.8390% | 5,338 |
| Net interest margin | 3.3908% | 5,464 |
| Noninterest income to average assets | 3.2533% | 198 |
| Noninterest expense to average assets | 7.3673% | 129 |
| Loan and lease loss provision to assets | -0.7433% | 7,552 |
| Net operating income to assets | -0.4660% | 6,784 |
| Return on assets (ROA) | -0.5320% | 6,823 |
| Pretax return on assets | -0.2520% | 6,581 |
| Return on Equity (ROE) | -7.3415% | 6,932 |
| Retained earnings to average equity (ytd only) | -7.3415% | 6,702 |
| Net charge-offs to loans | 1.1589% | 1,198 |
| Credit loss provision to net charge-offs | -92.5311% | 5,709 |
| Earnings coverage of net charge-offs (x) | -1.1568% | 4,908 |
| Efficiency ratio | 114.4351% | 421 |
| Assets per employee ($millions) | 1.7386% | 7,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,855 |
| Loan loss allowance to noncurrent loans | 27.1923% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 5.7334% | 1,036 |
| Noncurrent loans to loans | 5.7850% | 1,116 |
| Net loans and leases to total assets | 63.4470% | 3,554 |
| Net loans and leases to deposits | 69.1777% | 4,502 |
| Net loans and leases to core deposits | 69.4374% | 5,119 |
| Total domestic deposits to total assets | 91.7160% | 365 |
| Equity capital to assets | 7.2879% | 6,978 |
| Core capital (leverage) ratio | 7.5540% | 6,694 |
| Tier 1 risk-based capital ratio | 13.2250% | 4,643 |
| Total risk-based capital ratio | 14.4725% | 4,625 |
| Memoranda: | ||
| Average total assets | $600,000,000 | 1,118 |
| Average earning assets | $563,521,000 | 1,084 |
| Average equity | $43,479,000 | 1,534 |
| Average total loans | $415,914,000 | 1,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 3,313 |
| Cost of funding earning assets | 1.0543% | 5,401 |
| Net interest margin | 4.2062% | 2,160 |
| Noninterest income to average assets | 5.4765% | 127 |
| Noninterest expense to average assets | 7.3380% | 138 |
| Loan and lease loss provision to assets | 1.6992% | 830 |
| Net operating income to assets | 0.2766% | 5,015 |
| Return on assets (ROA) | 0.1946% | 5,456 |
| Pretax return on assets | 0.3220% | 5,175 |
| Return on Equity (ROE) | 2.7238% | 5,078 |
| Retained earnings to average equity (ytd only) | 2.7238% | 3,951 |
| Net charge-offs to loans | 1.7286% | 1,253 |
| Credit loss provision to net charge-offs | 119.8843% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.4787% | 4,643 |
| Efficiency ratio | 77.7839% | 2,745 |
| Assets per employee ($millions) | 1.7856% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,705 |
| Loan loss allowance to noncurrent loans | 38.3717% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 5.9824% | 996 |
| Noncurrent loans to loans | 4.8065% | 1,432 |
| Net loans and leases to total assets | 72.6698% | 1,952 |
| Net loans and leases to deposits | 79.3386% | 3,286 |
| Net loans and leases to core deposits | 79.5913% | 4,263 |
| Total domestic deposits to total assets | 91.5945% | 375 |
| Equity capital to assets | 7.2063% | 7,035 |
| Core capital (leverage) ratio | 7.4679% | 6,726 |
| Tier 1 risk-based capital ratio | 12.1449% | 5,341 |
| Total risk-based capital ratio | 13.3989% | 5,318 |
| Memoranda: | ||
| Average total assets | $597,518,400 | 1,124 |
| Average earning assets | $562,170,200 | 1,078 |
| Average equity | $42,697,200 | 1,554 |
| Average total loans | $489,928,800 | 914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 3,180 |
| Cost of funding earning assets | 1.0589% | 5,654 |
| Net interest margin | 4.2771% | 1,928 |
| Noninterest income to average assets | 5.2368% | 130 |
| Noninterest expense to average assets | 6.9345% | 158 |
| Loan and lease loss provision to assets | 1.8705% | 664 |
| Net operating income to assets | 0.3121% | 5,115 |
| Return on assets (ROA) | 0.2287% | 5,581 |
| Pretax return on assets | 0.3785% | 5,288 |
| Return on Equity (ROE) | 3.2073% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.2073% | 4,182 |
| Net charge-offs to loans | 1.8810% | 1,017 |
| Credit loss provision to net charge-offs | 118.3404% | 3,506 |
| Earnings coverage of net charge-offs (x) | 1.4756% | 4,622 |
| Efficiency ratio | 74.8306% | 3,176 |
| Assets per employee ($millions) | 1.7194% | 7,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,183 |
| Loan loss allowance to noncurrent loans | 45.5083% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 5.1415% | 1,242 |
| Noncurrent loans to loans | 3.1971% | 2,492 |
| Net loans and leases to total assets | 90.7297% | 43 |
| Net loans and leases to deposits | 101.7314% | 547 |
| Net loans and leases to core deposits | 102.1973% | 1,634 |
| Total domestic deposits to total assets | 89.1855% | 1,294 |
| Equity capital to assets | 7.4093% | 7,178 |
| Core capital (leverage) ratio | 7.5625% | 6,804 |
| Tier 1 risk-based capital ratio | 10.5124% | 6,766 |
| Total risk-based capital ratio | 11.7836% | 6,742 |
| Memoranda: | ||
| Average total assets | $594,676,500 | 1,136 |
| Average earning assets | $560,338,250 | 1,082 |
| Average equity | $42,402,000 | 1,565 |
| Average total loans | $499,713,500 | 899 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 3,358 |
| Cost of funding earning assets | 1.0660% | 5,840 |
| Net interest margin | 4.2562% | 1,936 |
| Noninterest income to average assets | 4.1229% | 162 |
| Noninterest expense to average assets | 6.1721% | 213 |
| Loan and lease loss provision to assets | 2.5071% | 454 |
| Net operating income to assets | -0.3263% | 6,503 |
| Return on assets (ROA) | -0.3263% | 6,543 |
| Pretax return on assets | -0.5351% | 6,615 |
| Return on Equity (ROE) | -4.6365% | 6,665 |
| Retained earnings to average equity (ytd only) | -4.6365% | 6,510 |
| Net charge-offs to loans | 2.6054% | 639 |
| Credit loss provision to net charge-offs | 118.2581% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.9302% | 4,848 |
| Efficiency ratio | 75.7863% | 3,108 |
| Assets per employee ($millions) | 1.8497% | 7,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,905 |
| Loan loss allowance to noncurrent loans | 43.9512% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.9622% | 1,306 |
| Noncurrent loans to loans | 3.4247% | 2,321 |
| Net loans and leases to total assets | 86.3030% | 208 |
| Net loans and leases to deposits | 94.9940% | 1,150 |
| Net loans and leases to core deposits | 95.4144% | 2,519 |
| Total domestic deposits to total assets | 90.8510% | 550 |
| Equity capital to assets | 7.0883% | 7,315 |
| Core capital (leverage) ratio | 7.2283% | 7,050 |
| Tier 1 risk-based capital ratio | 10.5253% | 6,666 |
| Total risk-based capital ratio | 11.7961% | 6,643 |
| Memoranda: | ||
| Average total assets | $595,749,670 | 1,138 |
| Average earning assets | $562,855,330 | 1,086 |
| Average equity | $41,928,330 | 1,573 |
| Average total loans | $484,768,000 | 942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 3,728 |
| Cost of funding earning assets | 1.0641% | 6,068 |
| Net interest margin | 4.1966% | 2,054 |
| Noninterest income to average assets | 2.9094% | 216 |
| Noninterest expense to average assets | 5.3217% | 296 |
| Loan and lease loss provision to assets | 3.3297% | 284 |
| Net operating income to assets | -1.0772% | 7,154 |
| Return on assets (ROA) | -1.0772% | 7,171 |
| Pretax return on assets | -1.7708% | 7,339 |
| Return on Equity (ROE) | -15.3595% | 7,325 |
| Retained earnings to average equity (ytd only) | -15.3595% | 7,226 |
| Net charge-offs to loans | 2.7816% | 575 |
| Credit loss provision to net charge-offs | 152.8997% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.7159% | 4,387 |
| Efficiency ratio | 77.3429% | 3,007 |
| Assets per employee ($millions) | 1.9635% | 7,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,711 |
| Loan loss allowance to noncurrent loans | 43.0752% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 5.1849% | 1,222 |
| Noncurrent loans to loans | 4.1934% | 1,840 |
| Net loans and leases to total assets | 76.5848% | 1,416 |
| Net loans and leases to deposits | 83.2035% | 3,074 |
| Net loans and leases to core deposits | 83.5645% | 4,262 |
| Total domestic deposits to total assets | 92.0452% | 229 |
| Equity capital to assets | 6.9427% | 7,398 |
| Core capital (leverage) ratio | 7.0848% | 7,188 |
| Tier 1 risk-based capital ratio | 10.5471% | 6,590 |
| Total risk-based capital ratio | 11.8165% | 6,568 |
| Memoranda: | ||
| Average total assets | $598,604,000 | 1,157 |
| Average earning assets | $566,462,000 | 1,105 |
| Average equity | $41,980,500 | 1,591 |
| Average total loans | $468,649,500 | 1,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 4,580 |
| Cost of funding earning assets | 1.6040% | 5,006 |
| Net interest margin | 3.8184% | 3,624 |
| Noninterest income to average assets | 1.4344% | 714 |
| Noninterest expense to average assets | 4.1421% | 1,171 |
| Loan and lease loss provision to assets | 1.7868% | 1,272 |
| Net operating income to assets | -0.5220% | 6,210 |
| Return on assets (ROA) | -0.1266% | 5,716 |
| Pretax return on assets | -0.2060% | 5,711 |
| Return on Equity (ROE) | -1.7381% | 5,814 |
| Retained earnings to average equity (ytd only) | -1.7381% | 5,443 |
| Net charge-offs to loans | 0.8287% | 2,756 |
| Credit loss provision to net charge-offs | 256.6642% | 1,368 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 4,753 |
| Efficiency ratio | 81.1356% | 2,725 |
| Assets per employee ($millions) | 2.2546% | 7,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 3,890 |
| Loan loss allowance to noncurrent loans | 53.3981% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 4.2435% | 1,545 |
| Noncurrent loans to loans | 2.7550% | 2,805 |
| Net loans and leases to total assets | 77.4257% | 1,499 |
| Net loans and leases to deposits | 83.8582% | 3,305 |
| Net loans and leases to core deposits | 89.2472% | 5,199 |
| Total domestic deposits to total assets | 92.3293% | 214 |
| Equity capital to assets | 7.0822% | 7,339 |
| Core capital (leverage) ratio | 7.2021% | 7,069 |
| Tier 1 risk-based capital ratio | 10.4074% | 6,492 |
| Total risk-based capital ratio | 11.6740% | 6,449 |
| Memoranda: | ||
| Average total assets | $591,661,000 | 1,167 |
| Average earning assets | $568,773,600 | 1,107 |
| Average equity | $43,092,600 | 1,549 |
| Average total loans | $497,062,800 | 966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 4,145 |
| Cost of funding earning assets | 1.7504% | 4,631 |
| Net interest margin | 3.8009% | 3,653 |
| Noninterest income to average assets | 1.1502% | 1,187 |
| Noninterest expense to average assets | 3.9703% | 1,318 |
| Loan and lease loss provision to assets | 1.9905% | 913 |
| Net operating income to assets | -0.7239% | 6,624 |
| Return on assets (ROA) | -0.1939% | 6,065 |
| Pretax return on assets | -0.3165% | 6,114 |
| Return on Equity (ROE) | -2.6439% | 6,184 |
| Retained earnings to average equity (ytd only) | -2.6439% | 5,851 |
| Net charge-offs to loans | 0.7770% | 2,419 |
| Credit loss provision to net charge-offs | 299.9659% | 1,382 |
| Earnings coverage of net charge-offs (x) | 1.2748% | 4,818 |
| Efficiency ratio | 82.4357% | 2,517 |
| Assets per employee ($millions) | 2.8214% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,736 |
| Loan loss allowance to noncurrent loans | 58.8467% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.8376% | 1,683 |
| Noncurrent loans to loans | 2.4475% | 3,081 |
| Net loans and leases to total assets | 76.8261% | 1,814 |
| Net loans and leases to deposits | 83.2165% | 3,795 |
| Net loans and leases to core deposits | 88.8323% | 5,547 |
| Total domestic deposits to total assets | 92.3207% | 139 |
| Equity capital to assets | 7.1364% | 7,530 |
| Core capital (leverage) ratio | 7.2621% | 7,217 |
| Tier 1 risk-based capital ratio | 10.6854% | 6,262 |
| Total risk-based capital ratio | 11.9519% | 6,223 |
| Memoranda: | ||
| Average total assets | $588,520,750 | 1,186 |
| Average earning assets | $567,638,500 | 1,125 |
| Average equity | $43,167,750 | 1,568 |
| Average total loans | $502,626,500 | 970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 3,824 |
| Cost of funding earning assets | 1.8896% | 4,318 |
| Net interest margin | 3.7583% | 3,723 |
| Noninterest income to average assets | 0.8300% | 2,274 |
| Noninterest expense to average assets | 3.9948% | 1,323 |
| Loan and lease loss provision to assets | 1.6586% | 1,006 |
| Net operating income to assets | -0.7620% | 6,802 |
| Return on assets (ROA) | 0.0372% | 5,825 |
| Pretax return on assets | 0.0581% | 5,767 |
| Return on Equity (ROE) | 0.5031% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.5031% | 5,005 |
| Net charge-offs to loans | 0.3217% | 3,570 |
| Credit loss provision to net charge-offs | 586.2319% | 798 |
| Earnings coverage of net charge-offs (x) | 1.6534% | 4,305 |
| Efficiency ratio | 89.5176% | 1,857 |
| Assets per employee ($millions) | 3.7094% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,772 |
| Loan loss allowance to noncurrent loans | 42.9480% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.8456% | 1,577 |
| Noncurrent loans to loans | 2.8566% | 2,520 |
| Net loans and leases to total assets | 85.5512% | 433 |
| Net loans and leases to deposits | 92.7865% | 2,320 |
| Net loans and leases to core deposits | 98.1830% | 4,682 |
| Total domestic deposits to total assets | 92.2022% | 182 |
| Equity capital to assets | 7.2981% | 7,416 |
| Core capital (leverage) ratio | 7.3246% | 7,218 |
| Tier 1 risk-based capital ratio | 10.1407% | 6,786 |
| Total risk-based capital ratio | 11.3894% | 6,709 |
| Memoranda: | ||
| Average total assets | $585,318,000 | 1,214 |
| Average earning assets | $565,735,000 | 1,146 |
| Average equity | $43,328,670 | 1,572 |
| Average total loans | $514,757,330 | 966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 3,845 |
| Cost of funding earning assets | 1.9550% | 4,356 |
| Net interest margin | 3.7365% | 3,732 |
| Noninterest income to average assets | -0.6890% | 8,202 |
| Noninterest expense to average assets | 3.8939% | 1,317 |
| Loan and lease loss provision to assets | 1.5355% | 819 |
| Net operating income to assets | -1.6074% | 7,544 |
| Return on assets (ROA) | 0.0076% | 6,389 |
| Pretax return on assets | 0.0166% | 6,346 |
| Return on Equity (ROE) | 0.1019% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.1019% | 5,619 |
| Net charge-offs to loans | -0.0140% | 7,355 |
| Credit loss provision to net charge-offs | -12,355.5556% | 6,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.2388% | 475 |
| Assets per employee ($millions) | 3.8106% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,498 |
| Loan loss allowance to noncurrent loans | 50.0349% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 3.4035% | 1,596 |
| Noncurrent loans to loans | 2.1916% | 2,991 |
| Net loans and leases to total assets | 86.9245% | 341 |
| Net loans and leases to deposits | 96.1340% | 1,922 |
| Net loans and leases to core deposits | 102.5269% | 4,288 |
| Total domestic deposits to total assets | 90.4202% | 629 |
| Equity capital to assets | 7.3135% | 7,483 |
| Core capital (leverage) ratio | 7.3741% | 7,299 |
| Tier 1 risk-based capital ratio | 10.2190% | 6,694 |
| Total risk-based capital ratio | 11.4629% | 6,616 |
| Memoranda: | ||
| Average total assets | $579,373,500 | 1,230 |
| Average earning assets | $559,986,500 | 1,164 |
| Average equity | $43,200,500 | 1,583 |
| Average total loans | $513,504,000 | 973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1526% | 4,764 |
| Cost of funding earning assets | 2.3502% | 4,928 |
| Net interest margin | 3.8023% | 4,006 |
| Noninterest income to average assets | 0.0822% | 7,730 |
| Noninterest expense to average assets | 3.6639% | 2,020 |
| Loan and lease loss provision to assets | 0.6491% | 2,241 |
| Net operating income to assets | -0.3626% | 6,786 |
| Return on assets (ROA) | 0.4818% | 4,638 |
| Pretax return on assets | 0.7160% | 4,345 |
| Return on Equity (ROE) | 6.2017% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.4308% | 3,007 |
| Net charge-offs to loans | 0.4184% | 2,730 |
| Credit loss provision to net charge-offs | 177.0833% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 6,060 |
| Efficiency ratio | 97.2210% | 1,091 |
| Assets per employee ($millions) | 3.7125% | 4,148 |
| Cash dividends to net income (ytd only)* | 44.6792% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 6,947 |
| Loan loss allowance to noncurrent loans | 28.5232% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 3.9839% | 1,035 |
| Noncurrent loans to loans | 2.9378% | 1,828 |
| Net loans and leases to total assets | 88.6640% | 307 |
| Net loans and leases to deposits | 106.4752% | 1,083 |
| Net loans and leases to core deposits | 114.0650% | 3,334 |
| Total domestic deposits to total assets | 83.2720% | 3,665 |
| Equity capital to assets | 7.6070% | 7,296 |
| Core capital (leverage) ratio | 7.6192% | 7,051 |
| Tier 1 risk-based capital ratio | 10.2272% | 6,492 |
| Total risk-based capital ratio | 11.2258% | 6,643 |
| Memoranda: | ||
| Average total assets | $549,986,800 | 1,237 |
| Average earning assets | $533,223,200 | 1,156 |
| Average equity | $42,730,200 | 1,568 |
| Average total loans | $481,886,400 | 997 |