Home > Prevail Bank > Performance and Condition Ratios
Prevail Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 4,119 |
| Cost of funding earning assets | 1.6817% | 1,488 |
| Net interest margin | 2.1760% | 4,334 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.3745% | 682 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | -1.3915% | 4,551 |
| Return on assets (ROA) | -1.4365% | 4,547 |
| Pretax return on assets | -1.2960% | 4,536 |
| Return on Equity (ROE) | -10.4900% | 4,506 |
| Retained earnings to average equity (ytd only) | -10.4930% | 4,470 |
| Net charge-offs to loans | 0.0049% | 2,540 |
| Credit loss provision to net charge-offs | 1,920.0000% | 237 |
| Earnings coverage of net charge-offs (x) | -367.3333% | 4,605 |
| Efficiency ratio | 91.0218% | 384 |
| Assets per employee ($millions) | 7.9180% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,569 |
| Loan loss allowance to noncurrent loans | 530.0509% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,723 |
| Noncurrent loans to loans | 0.1771% | 2,633 |
| Net loans and leases to total assets | 68.7800% | 1,948 |
| Net loans and leases to deposits | 91.6096% | 1,130 |
| Net loans and leases to core deposits | 105.5918% | 1,132 |
| Total domestic deposits to total assets | 75.0800% | 4,023 |
| Equity capital to assets | 12.8954% | 876 |
| Core capital (leverage) ratio | 12.7025% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9828% | 691 |
| Memoranda: | ||
| Average total assets | $938,503,800 | 1,043 |
| Average earning assets | $832,983,400 | 1,076 |
| Average equity | $128,486,000 | 774 |
| Average total loans | $615,901,400 | 1,074 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,194 |
| Cost of funding earning assets | 1.4959% | 1,620 |
| Net interest margin | 2.2230% | 4,340 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.8478% | 399 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | -1.8721% | 4,590 |
| Return on assets (ROA) | -1.9342% | 4,589 |
| Pretax return on assets | -1.7302% | 4,581 |
| Return on Equity (ROE) | -13.9200% | 4,557 |
| Retained earnings to average equity (ytd only) | -13.9209% | 4,529 |
| Net charge-offs to loans | 0.0011% | 2,583 |
| Credit loss provision to net charge-offs | 6,060.0000% | 88 |
| Earnings coverage of net charge-offs (x) | -2,228.0000% | 4,639 |
| Efficiency ratio | 89.0274% | 409 |
| Assets per employee ($millions) | 7.9438% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,527 |
| Loan loss allowance to noncurrent loans | 616.8724% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 2,890 |
| Noncurrent loans to loans | 0.1559% | 2,772 |
| Net loans and leases to total assets | 65.3400% | 2,306 |
| Net loans and leases to deposits | 86.2847% | 1,537 |
| Net loans and leases to core deposits | 99.3152% | 1,354 |
| Total domestic deposits to total assets | 75.7200% | 4,034 |
| Equity capital to assets | 12.2089% | 987 |
| Core capital (leverage) ratio | 12.8513% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2564% | 608 |
| Memoranda: | ||
| Average total assets | $933,610,250 | 1,052 |
| Average earning assets | $826,676,750 | 1,089 |
| Average equity | $129,720,500 | 762 |
| Average total loans | $603,571,750 | 1,085 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,256 |
| Cost of funding earning assets | 1.3553% | 1,570 |
| Net interest margin | 2.2401% | 4,394 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0477% | 3,467 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.2087% | 4,267 |
| Return on assets (ROA) | 0.1151% | 4,384 |
| Pretax return on assets | 0.0721% | 4,411 |
| Return on Equity (ROE) | 0.8000% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.7956% | 3,944 |
| Net charge-offs to loans | 0.0007% | 2,417 |
| Credit loss provision to net charge-offs | 8,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 258 |
| Efficiency ratio | 89.3887% | 375 |
| Assets per employee ($millions) | 7.4055% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,602 |
| Loan loss allowance to noncurrent loans | 570.2045% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,774 |
| Noncurrent loans to loans | 0.1671% | 2,643 |
| Net loans and leases to total assets | 65.2300% | 2,244 |
| Net loans and leases to deposits | 88.9154% | 1,268 |
| Net loans and leases to core deposits | 96.1171% | 1,462 |
| Total domestic deposits to total assets | 73.3600% | 4,232 |
| Equity capital to assets | 14.4613% | 582 |
| Core capital (leverage) ratio | 13.3089% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9171% | 558 |
| Memoranda: | ||
| Average total assets | $929,711,000 | 1,043 |
| Average earning assets | $820,955,000 | 1,087 |
| Average equity | $134,490,000 | 725 |
| Average total loans | $596,887,000 | 1,081 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 4,271 |
| Cost of funding earning assets | 1.2180% | 1,406 |
| Net interest margin | 2.2805% | 4,459 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0396% | 3,523 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.1297% | 4,414 |
| Return on assets (ROA) | 0.0487% | 4,436 |
| Pretax return on assets | -0.0198% | 4,473 |
| Return on Equity (ROE) | 0.3400% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.3366% | 3,972 |
| Net charge-offs to loans | 0.0007% | 2,041 |
| Credit loss provision to net charge-offs | 2,300.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 298 |
| Efficiency ratio | 92.7116% | 288 |
| Assets per employee ($millions) | 7.5146% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,624 |
| Loan loss allowance to noncurrent loans | 650.7395% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,866 |
| Noncurrent loans to loans | 0.1498% | 2,744 |
| Net loans and leases to total assets | 62.8700% | 2,373 |
| Net loans and leases to deposits | 84.6600% | 1,453 |
| Net loans and leases to core deposits | 90.7651% | 1,577 |
| Total domestic deposits to total assets | 74.2600% | 4,270 |
| Equity capital to assets | 14.6771% | 509 |
| Core capital (leverage) ratio | 13.3172% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8893% | 509 |
| Memoranda: | ||
| Average total assets | $928,018,500 | 1,066 |
| Average earning assets | $820,013,500 | 1,101 |
| Average equity | $134,266,000 | 731 |
| Average total loans | $588,062,500 | 1,106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0860% | 3,703 |
| Cost of funding earning assets | 0.4007% | 1,283 |
| Net interest margin | 2.6853% | 3,957 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8135% | 3,962 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5718% | 3,907 |
| Return on assets (ROA) | 0.5718% | 3,860 |
| Pretax return on assets | 0.6961% | 3,807 |
| Return on Equity (ROE) | 3.8700% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.8691% | 3,486 |
| Net charge-offs to loans | 0.0032% | 2,110 |
| Credit loss provision to net charge-offs | 3,857.1429% | 148 |
| Earnings coverage of net charge-offs (x) | 384.6429% | 398 |
| Efficiency ratio | 70.0950% | 1,752 |
| Assets per employee ($millions) | 7.1986% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,635 |
| Loan loss allowance to noncurrent loans | 533.5551% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,816 |
| Noncurrent loans to loans | 0.1809% | 2,684 |
| Net loans and leases to total assets | 62.9900% | 2,191 |
| Net loans and leases to deposits | 76.8697% | 1,807 |
| Net loans and leases to core deposits | 80.2428% | 1,883 |
| Total domestic deposits to total assets | 81.9500% | 3,847 |
| Equity capital to assets | 14.0821% | 560 |
| Core capital (leverage) ratio | 13.2132% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0878% | 485 |
| Memoranda: | ||
| Average total assets | $927,995,250 | 1,056 |
| Average earning assets | $833,938,500 | 1,076 |
| Average equity | $137,151,750 | 727 |
| Average total loans | $580,385,500 | 1,054 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 3,586 |
| Cost of funding earning assets | 0.3241% | 1,492 |
| Net interest margin | 2.6660% | 3,783 |
| Noninterest income to average assets | 0.1699% | 4,161 |
| Noninterest expense to average assets | 1.7448% | 4,060 |
| Loan and lease loss provision to assets | 0.0772% | 1,255 |
| Net operating income to assets | 0.5983% | 3,628 |
| Return on assets (ROA) | 0.5983% | 3,573 |
| Pretax return on assets | 0.7487% | 3,454 |
| Return on Equity (ROE) | 3.9870% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.9870% | 3,085 |
| Net charge-offs to loans | 0.0034% | 1,928 |
| Credit loss provision to net charge-offs | 3,600.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 385.1000% | 329 |
| Efficiency ratio | 67.8735% | 2,261 |
| Assets per employee ($millions) | 8.0066% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 3,851 |
| Loan loss allowance to noncurrent loans | 435.3082% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,763 |
| Noncurrent loans to loans | 0.2147% | 2,648 |
| Net loans and leases to total assets | 62.5975% | 2,055 |
| Net loans and leases to deposits | 76.0894% | 1,681 |
| Net loans and leases to core deposits | 79.8448% | 1,727 |
| Total domestic deposits to total assets | 82.2683% | 3,973 |
| Equity capital to assets | 14.4133% | 473 |
| Core capital (leverage) ratio | 13.1371% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8434% | 487 |
| Memoranda: | ||
| Average total assets | $932,584,667 | 1,051 |
| Average earning assets | $839,837,000 | 1,077 |
| Average equity | $139,955,000 | 723 |
| Average total loans | $580,012,000 | 1,048 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9503% | 3,398 |
| Cost of funding earning assets | 0.3032% | 1,632 |
| Net interest margin | 2.6471% | 3,535 |
| Noninterest income to average assets | 0.1560% | 4,222 |
| Noninterest expense to average assets | 1.6592% | 4,194 |
| Loan and lease loss provision to assets | 0.0767% | 1,070 |
| Net operating income to assets | 0.6432% | 3,253 |
| Return on assets (ROA) | 0.6432% | 3,235 |
| Pretax return on assets | 0.8128% | 3,072 |
| Return on Equity (ROE) | 4.2040% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.2040% | 2,864 |
| Net charge-offs to loans | 0.0048% | 1,587 |
| Credit loss provision to net charge-offs | 2,571.4286% | 168 |
| Earnings coverage of net charge-offs (x) | 298.1429% | 322 |
| Efficiency ratio | 65.1003% | 2,893 |
| Assets per employee ($millions) | 7.9930% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,047 |
| Loan loss allowance to noncurrent loans | 381.4358% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,765 |
| Noncurrent loans to loans | 0.2357% | 2,648 |
| Net loans and leases to total assets | 61.9888% | 1,859 |
| Net loans and leases to deposits | 74.2119% | 1,589 |
| Net loans and leases to core deposits | 78.6553% | 1,566 |
| Total domestic deposits to total assets | 83.5294% | 3,857 |
| Equity capital to assets | 14.8333% | 414 |
| Core capital (leverage) ratio | 13.1984% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0069% | 492 |
| Memoranda: | ||
| Average total assets | $938,496,500 | 1,048 |
| Average earning assets | $848,327,500 | 1,074 |
| Average equity | $143,576,500 | 731 |
| Average total loans | $579,113,000 | 1,045 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 3,645 |
| Cost of funding earning assets | 0.4112% | 1,460 |
| Net interest margin | 2.7077% | 3,856 |
| Noninterest income to average assets | 0.2190% | 4,055 |
| Noninterest expense to average assets | 1.7587% | 4,209 |
| Loan and lease loss provision to assets | 0.0724% | 1,650 |
| Net operating income to assets | 0.6731% | 3,689 |
| Return on assets (ROA) | 0.6746% | 3,737 |
| Pretax return on assets | 0.8496% | 3,626 |
| Return on Equity (ROE) | 4.1383% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.1383% | 3,171 |
| Net charge-offs to loans | -0.0091% | 3,705 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6541% | 2,312 |
| Assets per employee ($millions) | 7.7198% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,090 |
| Loan loss allowance to noncurrent loans | 369.6948% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,919 |
| Noncurrent loans to loans | 0.2400% | 2,772 |
| Net loans and leases to total assets | 60.3275% | 2,127 |
| Net loans and leases to deposits | 73.3162% | 1,790 |
| Net loans and leases to core deposits | 75.9136% | 1,927 |
| Total domestic deposits to total assets | 82.2840% | 3,925 |
| Equity capital to assets | 15.7606% | 407 |
| Core capital (leverage) ratio | 13.1278% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4728% | 467 |
| Memoranda: | ||
| Average total assets | $898,313,800 | 1,047 |
| Average earning assets | $816,094,600 | 1,068 |
| Average equity | $146,437,000 | 734 |
| Average total loans | $572,242,600 | 1,055 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1837% | 3,633 |
| Cost of funding earning assets | 0.4379% | 1,435 |
| Net interest margin | 2.7458% | 3,889 |
| Noninterest income to average assets | 0.2009% | 4,198 |
| Noninterest expense to average assets | 1.7740% | 4,214 |
| Loan and lease loss provision to assets | 0.0864% | 1,376 |
| Net operating income to assets | 0.6729% | 3,833 |
| Return on assets (ROA) | 0.6746% | 3,888 |
| Pretax return on assets | 0.8383% | 3,821 |
| Return on Equity (ROE) | 4.1021% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.1021% | 3,545 |
| Net charge-offs to loans | -0.0119% | 3,745 |
| Credit loss provision to net charge-offs | -1,127.4510% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7864% | 2,127 |
| Assets per employee ($millions) | 7.7302% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,188 |
| Loan loss allowance to noncurrent loans | 388.7510% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,170 |
| Noncurrent loans to loans | 0.2279% | 3,029 |
| Net loans and leases to total assets | 61.4503% | 2,085 |
| Net loans and leases to deposits | 75.1733% | 1,747 |
| Net loans and leases to core deposits | 78.6126% | 1,848 |
| Total domestic deposits to total assets | 81.7448% | 3,970 |
| Equity capital to assets | 16.2069% | 395 |
| Core capital (leverage) ratio | 13.3560% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0697% | 483 |
| Memoranda: | ||
| Average total assets | $887,439,500 | 1,070 |
| Average earning assets | $806,628,000 | 1,085 |
| Average equity | $145,937,500 | 747 |
| Average total loans | $571,988,750 | 1,075 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 3,702 |
| Cost of funding earning assets | 0.4641% | 1,422 |
| Net interest margin | 2.7208% | 3,941 |
| Noninterest income to average assets | 0.2118% | 4,138 |
| Noninterest expense to average assets | 1.7796% | 4,227 |
| Loan and lease loss provision to assets | 0.1024% | 1,237 |
| Net operating income to assets | 0.6394% | 3,896 |
| Return on assets (ROA) | 0.6419% | 3,952 |
| Pretax return on assets | 0.8085% | 3,853 |
| Return on Equity (ROE) | 3.8842% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,555 |
| Net charge-offs to loans | 0.0007% | 2,221 |
| Credit loss provision to net charge-offs | 22,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,995.0000% | 55 |
| Efficiency ratio | 66.2237% | 2,119 |
| Assets per employee ($millions) | 7.5283% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,298 |
| Loan loss allowance to noncurrent loans | 757.5235% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,737 |
| Noncurrent loans to loans | 0.1111% | 3,636 |
| Net loans and leases to total assets | 63.5765% | 1,994 |
| Net loans and leases to deposits | 77.9561% | 1,629 |
| Net loans and leases to core deposits | 82.0255% | 1,724 |
| Total domestic deposits to total assets | 81.5542% | 4,000 |
| Equity capital to assets | 16.3623% | 385 |
| Core capital (leverage) ratio | 13.4408% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0810% | 479 |
| Memoranda: | ||
| Average total assets | $879,197,000 | 1,075 |
| Average earning assets | $799,911,667 | 1,091 |
| Average equity | $145,305,333 | 741 |
| Average total loans | $574,138,333 | 1,077 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2818% | 3,497 |
| Cost of funding earning assets | 0.4933% | 1,430 |
| Net interest margin | 2.7885% | 3,789 |
| Noninterest income to average assets | 0.1948% | 4,221 |
| Noninterest expense to average assets | 1.8878% | 4,010 |
| Loan and lease loss provision to assets | 0.1033% | 1,314 |
| Net operating income to assets | 0.5870% | 3,975 |
| Return on assets (ROA) | 0.5921% | 4,025 |
| Pretax return on assets | 0.7519% | 3,911 |
| Return on Equity (ROE) | 3.5641% | 4,364 |
| Retained earnings to average equity (ytd only) | 3.5641% | 3,619 |
| Net charge-offs to loans | 0.0014% | 1,887 |
| Credit loss provision to net charge-offs | 11,250.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 924.0000% | 105 |
| Efficiency ratio | 68.9829% | 1,815 |
| Assets per employee ($millions) | 7.4038% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,399 |
| Loan loss allowance to noncurrent loans | 894.7573% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,964 |
| Noncurrent loans to loans | 0.0901% | 3,853 |
| Net loans and leases to total assets | 64.3678% | 1,999 |
| Net loans and leases to deposits | 78.8876% | 1,627 |
| Net loans and leases to core deposits | 83.0942% | 1,748 |
| Total domestic deposits to total assets | 81.5943% | 3,973 |
| Equity capital to assets | 16.4254% | 356 |
| Core capital (leverage) ratio | 13.5292% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7544% | 423 |
| Memoranda: | ||
| Average total assets | $870,860,000 | 1,073 |
| Average earning assets | $793,826,500 | 1,088 |
| Average equity | $144,665,500 | 736 |
| Average total loans | $574,009,500 | 1,072 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 4,159 |
| Cost of funding earning assets | 0.7785% | 1,304 |
| Net interest margin | 2.6498% | 4,438 |
| Noninterest income to average assets | 0.2298% | 4,124 |
| Noninterest expense to average assets | 1.8705% | 4,365 |
| Loan and lease loss provision to assets | 0.4181% | 723 |
| Net operating income to assets | 0.3077% | 4,422 |
| Return on assets (ROA) | 0.3343% | 4,447 |
| Pretax return on assets | 0.4061% | 4,410 |
| Return on Equity (ROE) | 1.9509% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.9509% | 3,848 |
| Net charge-offs to loans | 0.0115% | 2,915 |
| Credit loss provision to net charge-offs | 5,389.0625% | 198 |
| Earnings coverage of net charge-offs (x) | 102.0469% | 776 |
| Efficiency ratio | 70.2623% | 1,915 |
| Assets per employee ($millions) | 6.8853% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,495 |
| Loan loss allowance to noncurrent loans | 511.6686% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,814 |
| Noncurrent loans to loans | 0.1487% | 3,690 |
| Net loans and leases to total assets | 66.4498% | 2,024 |
| Net loans and leases to deposits | 82.0994% | 1,652 |
| Net loans and leases to core deposits | 86.7922% | 1,804 |
| Total domestic deposits to total assets | 80.9382% | 3,883 |
| Equity capital to assets | 16.8026% | 356 |
| Core capital (leverage) ratio | 13.6424% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4859% | 413 |
| Memoranda: | ||
| Average total assets | $824,951,200 | 1,031 |
| Average earning assets | $757,265,000 | 1,035 |
| Average equity | $141,367,200 | 707 |
| Average total loans | $558,417,000 | 1,044 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 4,278 |
| Cost of funding earning assets | 0.8423% | 1,295 |
| Net interest margin | 2.6144% | 4,555 |
| Noninterest income to average assets | 0.2024% | 4,260 |
| Noninterest expense to average assets | 1.8973% | 4,331 |
| Loan and lease loss provision to assets | 0.5361% | 523 |
| Net operating income to assets | 0.1535% | 4,650 |
| Return on assets (ROA) | 0.1925% | 4,646 |
| Pretax return on assets | 0.2173% | 4,642 |
| Return on Equity (ROE) | 1.1174% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.1174% | 4,216 |
| Net charge-offs to loans | 0.0154% | 2,576 |
| Credit loss provision to net charge-offs | 5,126.5625% | 226 |
| Earnings coverage of net charge-offs (x) | 67.8594% | 1,020 |
| Efficiency ratio | 72.7797% | 1,549 |
| Assets per employee ($millions) | 6.7838% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 4,507 |
| Loan loss allowance to noncurrent loans | 415.8777% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 3,824 |
| Noncurrent loans to loans | 0.1779% | 3,673 |
| Net loans and leases to total assets | 67.8175% | 2,272 |
| Net loans and leases to deposits | 84.0852% | 1,908 |
| Net loans and leases to core deposits | 89.1821% | 2,042 |
| Total domestic deposits to total assets | 80.6533% | 3,742 |
| Equity capital to assets | 17.0828% | 364 |
| Core capital (leverage) ratio | 13.7853% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2126% | 394 |
| Memoranda: | ||
| Average total assets | $816,022,750 | 1,029 |
| Average earning assets | $750,480,750 | 1,029 |
| Average equity | $140,555,500 | 707 |
| Average total loans | $553,947,500 | 1,043 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,166 |
| Cost of funding earning assets | 0.9051% | 1,355 |
| Net interest margin | 2.7493% | 4,507 |
| Noninterest income to average assets | 0.1571% | 4,507 |
| Noninterest expense to average assets | 1.9321% | 4,362 |
| Loan and lease loss provision to assets | 0.6181% | 506 |
| Net operating income to assets | 0.1311% | 4,650 |
| Return on assets (ROA) | 0.1778% | 4,645 |
| Pretax return on assets | 0.1857% | 4,649 |
| Return on Equity (ROE) | 1.0294% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.0294% | 4,090 |
| Net charge-offs to loans | 0.0197% | 2,334 |
| Credit loss provision to net charge-offs | 4,635.1852% | 253 |
| Earnings coverage of net charge-offs (x) | 56.6296% | 1,009 |
| Efficiency ratio | 71.8985% | 1,695 |
| Assets per employee ($millions) | 6.7944% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6183% | 4,718 |
| Loan loss allowance to noncurrent loans | 329.4174% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,905 |
| Noncurrent loans to loans | 0.1877% | 3,710 |
| Net loans and leases to total assets | 66.3401% | 2,577 |
| Net loans and leases to deposits | 83.2737% | 2,067 |
| Net loans and leases to core deposits | 88.3791% | 2,211 |
| Total domestic deposits to total assets | 79.6652% | 3,905 |
| Equity capital to assets | 16.9491% | 377 |
| Core capital (leverage) ratio | 14.0668% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2011% | 359 |
| Memoranda: | ||
| Average total assets | $809,894,667 | 1,021 |
| Average earning assets | $745,344,000 | 1,018 |
| Average equity | $139,894,000 | 701 |
| Average total loans | $548,566,333 | 1,040 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,385 |
| Cost of funding earning assets | 0.9838% | 1,492 |
| Net interest margin | 2.7221% | 4,649 |
| Noninterest income to average assets | 0.1395% | 4,666 |
| Noninterest expense to average assets | 2.1381% | 4,142 |
| Loan and lease loss provision to assets | 0.7523% | 340 |
| Net operating income to assets | -0.1497% | 4,826 |
| Return on assets (ROA) | -0.1104% | 4,792 |
| Pretax return on assets | -0.1987% | 4,811 |
| Return on Equity (ROE) | -0.6330% | 4,784 |
| Retained earnings to average equity (ytd only) | -0.6330% | 4,095 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9271% | 1,051 |
| Assets per employee ($millions) | 6.3372% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 4,910 |
| Loan loss allowance to noncurrent loans | 225.8590% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 3,946 |
| Noncurrent loans to loans | 0.2038% | 3,752 |
| Net loans and leases to total assets | 68.7314% | 2,428 |
| Net loans and leases to deposits | 85.2174% | 2,091 |
| Net loans and leases to core deposits | 91.2843% | 2,225 |
| Total domestic deposits to total assets | 80.6541% | 3,731 |
| Equity capital to assets | 17.7035% | 382 |
| Core capital (leverage) ratio | 14.1188% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1564% | 385 |
| Memoranda: | ||
| Average total assets | $796,987,000 | 1,007 |
| Average earning assets | $732,679,500 | 1,005 |
| Average equity | $139,018,500 | 698 |
| Average total loans | $543,919,500 | 1,021 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1947% | 4,997 |
| Cost of funding earning assets | 0.9867% | 1,783 |
| Net interest margin | 2.2080% | 5,053 |
| Noninterest income to average assets | 0.1239% | 4,843 |
| Noninterest expense to average assets | 1.8971% | 4,666 |
| Loan and lease loss provision to assets | 0.0071% | 3,864 |
| Net operating income to assets | 0.2670% | 4,782 |
| Return on assets (ROA) | 0.3218% | 4,751 |
| Pretax return on assets | 0.3958% | 4,713 |
| Return on Equity (ROE) | 1.4786% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.4786% | 4,217 |
| Net charge-offs to loans | 0.0111% | 3,294 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 46.9111% | 1,181 |
| Efficiency ratio | 84.9794% | 606 |
| Assets per employee ($millions) | 6.7912% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1834% | 5,091 |
| Loan loss allowance to noncurrent loans | 92.1659% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,967 |
| Noncurrent loans to loans | 0.1990% | 3,743 |
| Net loans and leases to total assets | 67.3431% | 2,781 |
| Net loans and leases to deposits | 83.0931% | 2,431 |
| Net loans and leases to core deposits | 88.9467% | 2,520 |
| Total domestic deposits to total assets | 81.0454% | 3,761 |
| Equity capital to assets | 17.1897% | 445 |
| Core capital (leverage) ratio | 14.0056% | 925 |
| Tier 1 risk-based capital ratio | 26.0246% | 676 |
| Total risk-based capital ratio | 26.2645% | 736 |
| Memoranda: | ||
| Average total assets | $629,544,400 | 1,183 |
| Average earning assets | $601,186,800 | 1,148 |
| Average equity | $137,021,600 | 677 |
| Average total loans | $404,261,800 | 1,254 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1515% | 5,109 |
| Cost of funding earning assets | 0.9880% | 1,812 |
| Net interest margin | 2.1636% | 5,156 |
| Noninterest income to average assets | 0.1233% | 4,910 |
| Noninterest expense to average assets | 1.7295% | 4,893 |
| Loan and lease loss provision to assets | 0.0103% | 3,683 |
| Net operating income to assets | 0.3822% | 4,749 |
| Return on assets (ROA) | 0.4256% | 4,705 |
| Pretax return on assets | 0.5305% | 4,653 |
| Return on Equity (ROE) | 1.8230% | 4,919 |
| Retained earnings to average equity (ytd only) | 1.8230% | 4,333 |
| Net charge-offs to loans | 0.0163% | 2,823 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 47.4210% | 1,236 |
| Efficiency ratio | 78.0475% | 1,100 |
| Assets per employee ($millions) | 7.4238% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2741% | 5,132 |
| Loan loss allowance to noncurrent loans | 95.5110% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,858 |
| Noncurrent loans to loans | 0.2869% | 3,512 |
| Net loans and leases to total assets | 62.0465% | 3,491 |
| Net loans and leases to deposits | 82.2177% | 2,658 |
| Net loans and leases to core deposits | 88.8308% | 2,653 |
| Total domestic deposits to total assets | 75.4661% | 4,703 |
| Equity capital to assets | 23.6638% | 145 |
| Core capital (leverage) ratio | 23.6008% | 146 |
| Tier 1 risk-based capital ratio | 56.0207% | 108 |
| Total risk-based capital ratio | 56.4268% | 111 |
| Memoranda: | ||
| Average total assets | $584,891,000 | 1,247 |
| Average earning assets | $565,721,500 | 1,209 |
| Average equity | $136,547,000 | 676 |
| Average total loans | $369,017,500 | 1,372 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1447% | 5,169 |
| Cost of funding earning assets | 0.9644% | 1,847 |
| Net interest margin | 2.1803% | 5,214 |
| Noninterest income to average assets | 0.0791% | 5,101 |
| Noninterest expense to average assets | 1.6514% | 5,024 |
| Loan and lease loss provision to assets | 0.0096% | 3,556 |
| Net operating income to assets | 0.4294% | 4,677 |
| Return on assets (ROA) | 0.5236% | 4,501 |
| Pretax return on assets | 0.6438% | 4,460 |
| Return on Equity (ROE) | 2.2533% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.2533% | 4,038 |
| Net charge-offs to loans | 0.0151% | 2,595 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 56.0357% | 1,026 |
| Efficiency ratio | 75.4614% | 1,464 |
| Assets per employee ($millions) | 7.0532% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 5,190 |
| Loan loss allowance to noncurrent loans | 88.7311% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,790 |
| Noncurrent loans to loans | 0.3095% | 3,439 |
| Net loans and leases to total assets | 62.0364% | 3,543 |
| Net loans and leases to deposits | 82.0235% | 2,728 |
| Net loans and leases to core deposits | 88.0466% | 2,790 |
| Total domestic deposits to total assets | 75.6325% | 4,708 |
| Equity capital to assets | 23.5751% | 148 |
| Core capital (leverage) ratio | 23.5105% | 142 |
| Tier 1 risk-based capital ratio | 56.4221% | 104 |
| Total risk-based capital ratio | 56.8322% | 108 |
| Memoranda: | ||
| Average total assets | $584,362,000 | 1,251 |
| Average earning assets | $565,330,670 | 1,213 |
| Average equity | $135,801,670 | 676 |
| Average total loans | $370,393,670 | 1,371 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1210% | 5,234 |
| Cost of funding earning assets | 0.9180% | 1,925 |
| Net interest margin | 2.2030% | 5,276 |
| Noninterest income to average assets | 0.0760% | 5,153 |
| Noninterest expense to average assets | 1.5778% | 5,118 |
| Loan and lease loss provision to assets | 0.0069% | 3,344 |
| Net operating income to assets | 0.5089% | 4,495 |
| Return on assets (ROA) | 0.5707% | 4,363 |
| Pretax return on assets | 0.6975% | 4,309 |
| Return on Equity (ROE) | 2.4737% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.4737% | 3,931 |
| Net charge-offs to loans | 0.0107% | 2,303 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 91.8000% | 706 |
| Efficiency ratio | 71.4995% | 2,112 |
| Assets per employee ($millions) | 7.1442% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2698% | 5,260 |
| Loan loss allowance to noncurrent loans | 108.6957% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,021 |
| Noncurrent loans to loans | 0.2482% | 3,676 |
| Net loans and leases to total assets | 63.1046% | 3,390 |
| Net loans and leases to deposits | 82.9399% | 2,508 |
| Net loans and leases to core deposits | 88.6630% | 2,621 |
| Total domestic deposits to total assets | 76.0847% | 4,751 |
| Equity capital to assets | 23.1927% | 141 |
| Core capital (leverage) ratio | 23.4558% | 142 |
| Tier 1 risk-based capital ratio | 55.4957% | 107 |
| Total risk-based capital ratio | 55.9011% | 109 |
| Memoranda: | ||
| Average total assets | $583,833,500 | 1,252 |
| Average earning assets | $564,696,000 | 1,217 |
| Average equity | $134,696,000 | 677 |
| Average total loans | $373,504,000 | 1,358 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0961% | 5,192 |
| Cost of funding earning assets | 0.7206% | 1,954 |
| Net interest margin | 2.3756% | 5,259 |
| Noninterest income to average assets | 0.0751% | 5,217 |
| Noninterest expense to average assets | 1.4955% | 5,229 |
| Loan and lease loss provision to assets | -0.0034% | 5,082 |
| Net operating income to assets | 0.7130% | 4,106 |
| Return on assets (ROA) | 0.7187% | 4,091 |
| Pretax return on assets | 0.8873% | 3,927 |
| Return on Equity (ROE) | 3.2388% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.2388% | 3,784 |
| Net charge-offs to loans | -0.0053% | 4,365 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0410% | 3,338 |
| Assets per employee ($millions) | 7.0956% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2657% | 5,300 |
| Loan loss allowance to noncurrent loans | 107.8749% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,029 |
| Noncurrent loans to loans | 0.2463% | 3,705 |
| Net loans and leases to total assets | 64.5064% | 3,300 |
| Net loans and leases to deposits | 84.3774% | 2,474 |
| Net loans and leases to core deposits | 89.2475% | 2,626 |
| Total domestic deposits to total assets | 76.4499% | 4,696 |
| Equity capital to assets | 22.9484% | 146 |
| Core capital (leverage) ratio | 23.1880% | 140 |
| Tier 1 risk-based capital ratio | 54.5054% | 111 |
| Total risk-based capital ratio | 54.9060% | 113 |
| Memoranda: | ||
| Average total assets | $592,156,800 | 1,218 |
| Average earning assets | $572,615,600 | 1,175 |
| Average equity | $131,406,600 | 660 |
| Average total loans | $379,698,800 | 1,308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0692% | 5,260 |
| Cost of funding earning assets | 0.6853% | 1,944 |
| Net interest margin | 2.3839% | 5,324 |
| Noninterest income to average assets | 0.0744% | 5,285 |
| Noninterest expense to average assets | 1.4839% | 5,287 |
| Loan and lease loss provision to assets | 0.0202% | 3,605 |
| Net operating income to assets | 0.7135% | 4,182 |
| Return on assets (ROA) | 0.7201% | 4,176 |
| Pretax return on assets | 0.8846% | 4,071 |
| Return on Equity (ROE) | 3.2722% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.2722% | 4,110 |
| Net charge-offs to loans | 0.0315% | 2,458 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 44.4433% | 1,266 |
| Efficiency ratio | 62.3317% | 3,455 |
| Assets per employee ($millions) | 7.1739% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2644% | 5,372 |
| Loan loss allowance to noncurrent loans | 97.4659% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 4,080 |
| Noncurrent loans to loans | 0.2713% | 3,714 |
| Net loans and leases to total assets | 64.1134% | 3,409 |
| Net loans and leases to deposits | 82.8206% | 2,732 |
| Net loans and leases to core deposits | 87.8087% | 2,855 |
| Total domestic deposits to total assets | 77.4124% | 4,578 |
| Equity capital to assets | 22.3227% | 153 |
| Core capital (leverage) ratio | 22.7619% | 144 |
| Tier 1 risk-based capital ratio | 53.7549% | 115 |
| Total risk-based capital ratio | 54.1530% | 118 |
| Memoranda: | ||
| Average total assets | $594,736,000 | 1,212 |
| Average earning assets | $575,342,500 | 1,170 |
| Average equity | $130,877,500 | 658 |
| Average total loans | $380,542,500 | 1,307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0392% | 5,321 |
| Cost of funding earning assets | 0.6530% | 1,913 |
| Net interest margin | 2.3862% | 5,388 |
| Noninterest income to average assets | 0.0740% | 5,342 |
| Noninterest expense to average assets | 1.4981% | 5,339 |
| Loan and lease loss provision to assets | 0.0265% | 3,386 |
| Net operating income to assets | 0.7059% | 4,180 |
| Return on assets (ROA) | 0.7117% | 4,166 |
| Pretax return on assets | 0.8658% | 4,066 |
| Return on Equity (ROE) | 3.2494% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.2494% | 3,945 |
| Net charge-offs to loans | 0.0414% | 2,034 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 33.4430% | 1,415 |
| Efficiency ratio | 62.8567% | 3,509 |
| Assets per employee ($millions) | 7.2515% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2647% | 5,436 |
| Loan loss allowance to noncurrent loans | 97.6563% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,098 |
| Noncurrent loans to loans | 0.2710% | 3,744 |
| Net loans and leases to total assets | 63.3776% | 3,468 |
| Net loans and leases to deposits | 81.4506% | 2,822 |
| Net loans and leases to core deposits | 86.4281% | 2,885 |
| Total domestic deposits to total assets | 77.8110% | 4,621 |
| Equity capital to assets | 22.0239% | 164 |
| Core capital (leverage) ratio | 22.4304% | 149 |
| Tier 1 risk-based capital ratio | 53.4655% | 114 |
| Total risk-based capital ratio | 53.8647% | 116 |
| Memoranda: | ||
| Average total assets | $596,894,000 | 1,207 |
| Average earning assets | $577,649,330 | 1,166 |
| Average equity | $130,731,330 | 655 |
| Average total loans | $381,338,330 | 1,308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0071% | 5,366 |
| Cost of funding earning assets | 0.6336% | 1,821 |
| Net interest margin | 2.3735% | 5,450 |
| Noninterest income to average assets | 0.0729% | 5,421 |
| Noninterest expense to average assets | 1.4334% | 5,439 |
| Loan and lease loss provision to assets | 0.0334% | 3,058 |
| Net operating income to assets | 0.7410% | 3,939 |
| Return on assets (ROA) | 0.7525% | 3,902 |
| Pretax return on assets | 0.9177% | 3,789 |
| Return on Equity (ROE) | 3.4452% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.4452% | 3,826 |
| Net charge-offs to loans | 0.0522% | 1,580 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 28.0200% | 1,284 |
| Efficiency ratio | 60.4684% | 4,007 |
| Assets per employee ($millions) | 7.3347% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2627% | 5,500 |
| Loan loss allowance to noncurrent loans | 92.5069% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 4,175 |
| Noncurrent loans to loans | 0.2840% | 3,753 |
| Net loans and leases to total assets | 63.8965% | 3,324 |
| Net loans and leases to deposits | 81.9820% | 2,602 |
| Net loans and leases to core deposits | 87.0613% | 2,712 |
| Total domestic deposits to total assets | 77.9397% | 4,737 |
| Equity capital to assets | 21.9109% | 158 |
| Core capital (leverage) ratio | 22.2476% | 146 |
| Tier 1 risk-based capital ratio | 53.2077% | 113 |
| Total risk-based capital ratio | 53.6080% | 117 |
| Memoranda: | ||
| Average total assets | $598,031,500 | 1,215 |
| Average earning assets | $578,903,500 | 1,173 |
| Average equity | $130,618,000 | 657 |
| Average total loans | $383,080,000 | 1,307 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 5,375 |
| Cost of funding earning assets | 0.5616% | 1,875 |
| Net interest margin | 2.4190% | 5,453 |
| Noninterest income to average assets | 0.0696% | 5,489 |
| Noninterest expense to average assets | 1.4561% | 5,498 |
| Loan and lease loss provision to assets | 0.0154% | 3,987 |
| Net operating income to assets | 0.6745% | 3,709 |
| Return on assets (ROA) | 0.6760% | 3,752 |
| Pretax return on assets | 0.9444% | 3,760 |
| Return on Equity (ROE) | 3.1628% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.1628% | 3,407 |
| Net charge-offs to loans | 0.0242% | 3,325 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 62.2688% | 931 |
| Efficiency ratio | 60.3247% | 4,212 |
| Assets per employee ($millions) | 7.6196% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2594% | 5,566 |
| Loan loss allowance to noncurrent loans | 87.7193% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 4,184 |
| Noncurrent loans to loans | 0.2957% | 3,721 |
| Net loans and leases to total assets | 63.8828% | 3,381 |
| Net loans and leases to deposits | 81.8914% | 2,727 |
| Net loans and leases to core deposits | 87.2551% | 2,794 |
| Total domestic deposits to total assets | 78.0092% | 4,718 |
| Equity capital to assets | 21.7727% | 157 |
| Core capital (leverage) ratio | 21.8809% | 149 |
| Tier 1 risk-based capital ratio | 52.2133% | 111 |
| Total risk-based capital ratio | 52.6094% | 116 |
| Memoranda: | ||
| Average total assets | $604,701,200 | 1,186 |
| Average earning assets | $585,991,600 | 1,137 |
| Average equity | $129,251,200 | 637 |
| Average total loans | $384,090,000 | 1,276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 5,437 |
| Cost of funding earning assets | 0.5453% | 1,931 |
| Net interest margin | 2.4191% | 5,512 |
| Noninterest income to average assets | 0.0676% | 5,565 |
| Noninterest expense to average assets | 1.4029% | 5,573 |
| Loan and lease loss provision to assets | 0.0203% | 3,742 |
| Net operating income to assets | 0.7169% | 3,888 |
| Return on assets (ROA) | 0.7341% | 3,873 |
| Pretax return on assets | 1.0131% | 3,635 |
| Return on Equity (ROE) | 3.4503% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.4503% | 3,876 |
| Net charge-offs to loans | 0.0320% | 2,791 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 49.8276% | 1,115 |
| Efficiency ratio | 58.1523% | 4,483 |
| Assets per employee ($millions) | 7.5162% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2585% | 5,634 |
| Loan loss allowance to noncurrent loans | 90.9918% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 4,376 |
| Noncurrent loans to loans | 0.2841% | 3,933 |
| Net loans and leases to total assets | 64.1573% | 3,375 |
| Net loans and leases to deposits | 82.3292% | 2,739 |
| Net loans and leases to core deposits | 87.4095% | 2,833 |
| Total domestic deposits to total assets | 77.9278% | 4,741 |
| Equity capital to assets | 21.7982% | 162 |
| Core capital (leverage) ratio | 21.7064% | 151 |
| Tier 1 risk-based capital ratio | 51.1875% | 120 |
| Total risk-based capital ratio | 51.5785% | 125 |
| Memoranda: | ||
| Average total assets | $605,388,750 | 1,192 |
| Average earning assets | $586,816,250 | 1,142 |
| Average equity | $128,798,750 | 644 |
| Average total loans | $383,726,750 | 1,286 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9460% | 5,477 |
| Cost of funding earning assets | 0.5335% | 1,888 |
| Net interest margin | 2.4125% | 5,563 |
| Noninterest income to average assets | 0.0696% | 5,601 |
| Noninterest expense to average assets | 1.3726% | 5,637 |
| Loan and lease loss provision to assets | 0.0132% | 3,691 |
| Net operating income to assets | 0.7360% | 3,686 |
| Return on assets (ROA) | 0.7443% | 3,715 |
| Pretax return on assets | 1.0340% | 3,433 |
| Return on Equity (ROE) | 3.5270% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,611 |
| Net charge-offs to loans | 0.0209% | 2,808 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 78.5500% | 780 |
| Efficiency ratio | 56.9943% | 4,709 |
| Assets per employee ($millions) | 7.3016% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2595% | 5,686 |
| Loan loss allowance to noncurrent loans | 88.4956% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,354 |
| Noncurrent loans to loans | 0.2932% | 3,994 |
| Net loans and leases to total assets | 63.4231% | 3,465 |
| Net loans and leases to deposits | 80.9810% | 2,807 |
| Net loans and leases to core deposits | 86.0089% | 2,877 |
| Total domestic deposits to total assets | 78.3184% | 4,765 |
| Equity capital to assets | 21.4874% | 163 |
| Core capital (leverage) ratio | 21.3555% | 154 |
| Tier 1 risk-based capital ratio | 51.0906% | 113 |
| Total risk-based capital ratio | 51.4841% | 113 |
| Memoranda: | ||
| Average total assets | $606,753,670 | 1,196 |
| Average earning assets | $588,191,670 | 1,143 |
| Average equity | $128,041,330 | 647 |
| Average total loans | $382,711,000 | 1,294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9119% | 5,528 |
| Cost of funding earning assets | 0.5189% | 1,946 |
| Net interest margin | 2.3930% | 5,621 |
| Noninterest income to average assets | 0.0705% | 5,674 |
| Noninterest expense to average assets | 1.3750% | 5,708 |
| Loan and lease loss provision to assets | 0.0099% | 3,431 |
| Net operating income to assets | 0.7194% | 3,620 |
| Return on assets (ROA) | 0.7346% | 3,590 |
| Pretax return on assets | 1.0252% | 3,261 |
| Return on Equity (ROE) | 3.5132% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.5132% | 3,686 |
| Net charge-offs to loans | 0.0157% | 2,487 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 102.6000% | 520 |
| Efficiency ratio | 57.5565% | 4,767 |
| Assets per employee ($millions) | 7.1622% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2618% | 5,755 |
| Loan loss allowance to noncurrent loans | 79.3651% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,410 |
| Noncurrent loans to loans | 0.3298% | 3,930 |
| Net loans and leases to total assets | 62.5840% | 3,455 |
| Net loans and leases to deposits | 79.2989% | 2,834 |
| Net loans and leases to core deposits | 84.2302% | 2,877 |
| Total domestic deposits to total assets | 78.9216% | 4,838 |
| Equity capital to assets | 20.9843% | 172 |
| Core capital (leverage) ratio | 21.3369% | 156 |
| Tier 1 risk-based capital ratio | 50.9269% | 119 |
| Total risk-based capital ratio | 51.3225% | 125 |
| Memoranda: | ||
| Average total assets | $607,113,000 | 1,196 |
| Average earning assets | $588,207,000 | 1,140 |
| Average equity | $126,951,500 | 650 |
| Average total loans | $381,383,500 | 1,299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9287% | 5,551 |
| Cost of funding earning assets | 0.5001% | 2,089 |
| Net interest margin | 2.4286% | 5,625 |
| Noninterest income to average assets | 0.0428% | 5,790 |
| Noninterest expense to average assets | 1.3351% | 5,799 |
| Loan and lease loss provision to assets | 0.0541% | 3,302 |
| Net operating income to assets | 0.7083% | 3,746 |
| Return on assets (ROA) | 0.7156% | 3,830 |
| Pretax return on assets | 1.0243% | 3,387 |
| Return on Equity (ROE) | 3.4718% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.4718% | 3,452 |
| Net charge-offs to loans | 0.0355% | 3,316 |
| Credit loss provision to net charge-offs | 252.6718% | 1,145 |
| Earnings coverage of net charge-offs (x) | 49.8855% | 1,008 |
| Efficiency ratio | 55.5593% | 5,100 |
| Assets per employee ($millions) | 7.2945% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2626% | 5,815 |
| Loan loss allowance to noncurrent loans | 82.3045% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,516 |
| Noncurrent loans to loans | 0.3191% | 4,007 |
| Net loans and leases to total assets | 62.7254% | 3,509 |
| Net loans and leases to deposits | 79.4027% | 2,953 |
| Net loans and leases to core deposits | 84.4540% | 2,983 |
| Total domestic deposits to total assets | 78.9965% | 4,797 |
| Equity capital to assets | 20.8367% | 182 |
| Core capital (leverage) ratio | 20.9455% | 168 |
| Tier 1 risk-based capital ratio | 50.6376% | 131 |
| Total risk-based capital ratio | 51.0344% | 134 |
| Memoranda: | ||
| Average total assets | $611,920,600 | 1,151 |
| Average earning assets | $594,708,000 | 1,097 |
| Average equity | $126,130,200 | 635 |
| Average total loans | $369,298,000 | 1,276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9244% | 5,636 |
| Cost of funding earning assets | 0.4938% | 2,139 |
| Net interest margin | 2.4305% | 5,696 |
| Noninterest income to average assets | 0.0354% | 5,867 |
| Noninterest expense to average assets | 1.3089% | 5,862 |
| Loan and lease loss provision to assets | 0.0678% | 2,862 |
| Net operating income to assets | 0.7088% | 3,795 |
| Return on assets (ROA) | 0.7184% | 3,892 |
| Pretax return on assets | 1.0374% | 3,484 |
| Return on Equity (ROE) | 3.4949% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.4949% | 3,801 |
| Net charge-offs to loans | 0.0408% | 2,821 |
| Credit loss provision to net charge-offs | 278.5714% | 1,099 |
| Earnings coverage of net charge-offs (x) | 44.8391% | 1,154 |
| Efficiency ratio | 54.5315% | 5,196 |
| Assets per employee ($millions) | 7.1321% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2680% | 5,871 |
| Loan loss allowance to noncurrent loans | 71.1744% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 4,523 |
| Noncurrent loans to loans | 0.3765% | 3,915 |
| Net loans and leases to total assets | 60.6730% | 3,790 |
| Net loans and leases to deposits | 77.0854% | 3,278 |
| Net loans and leases to core deposits | 82.3186% | 3,256 |
| Total domestic deposits to total assets | 78.7088% | 4,787 |
| Equity capital to assets | 20.9010% | 198 |
| Core capital (leverage) ratio | 20.7660% | 177 |
| Tier 1 risk-based capital ratio | 51.1254% | 128 |
| Total risk-based capital ratio | 51.5295% | 130 |
| Memoranda: | ||
| Average total assets | $613,540,500 | 1,148 |
| Average earning assets | $596,947,500 | 1,094 |
| Average equity | $126,124,250 | 635 |
| Average total loans | $366,431,250 | 1,282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9207% | 5,719 |
| Cost of funding earning assets | 0.4890% | 2,198 |
| Net interest margin | 2.4317% | 5,783 |
| Noninterest income to average assets | 0.0264% | 5,961 |
| Noninterest expense to average assets | 1.3129% | 5,938 |
| Loan and lease loss provision to assets | 0.0932% | 2,290 |
| Net operating income to assets | 0.6782% | 3,908 |
| Return on assets (ROA) | 0.6838% | 4,023 |
| Pretax return on assets | 0.9967% | 3,597 |
| Return on Equity (ROE) | 3.3452% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.3452% | 3,770 |
| Net charge-offs to loans | 0.0472% | 2,540 |
| Credit loss provision to net charge-offs | 332.5581% | 895 |
| Earnings coverage of net charge-offs (x) | 38.5930% | 1,181 |
| Efficiency ratio | 54.8251% | 5,251 |
| Assets per employee ($millions) | 7.2825% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2742% | 5,947 |
| Loan loss allowance to noncurrent loans | 81.6327% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 4,687 |
| Noncurrent loans to loans | 0.3359% | 4,159 |
| Net loans and leases to total assets | 59.4515% | 3,954 |
| Net loans and leases to deposits | 75.4386% | 3,444 |
| Net loans and leases to core deposits | 80.5725% | 3,411 |
| Total domestic deposits to total assets | 78.8079% | 4,828 |
| Equity capital to assets | 20.8085% | 194 |
| Core capital (leverage) ratio | 20.6318% | 173 |
| Tier 1 risk-based capital ratio | 51.5333% | 123 |
| Total risk-based capital ratio | 51.9433% | 126 |
| Memoranda: | ||
| Average total assets | $613,600,000 | 1,152 |
| Average earning assets | $597,601,330 | 1,100 |
| Average equity | $125,432,670 | 641 |
| Average total loans | $364,193,330 | 1,288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9318% | 5,748 |
| Cost of funding earning assets | 0.4858% | 2,223 |
| Net interest margin | 2.4459% | 5,848 |
| Noninterest income to average assets | 0.0228% | 6,033 |
| Noninterest expense to average assets | 1.3096% | 6,002 |
| Loan and lease loss provision to assets | 0.1725% | 1,188 |
| Net operating income to assets | 0.6405% | 4,021 |
| Return on assets (ROA) | 0.6405% | 4,140 |
| Pretax return on assets | 0.9262% | 3,746 |
| Return on Equity (ROE) | 3.1614% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.1614% | 3,934 |
| Net charge-offs to loans | 0.0714% | 1,763 |
| Credit loss provision to net charge-offs | 407.6923% | 704 |
| Earnings coverage of net charge-offs (x) | 25.9692% | 1,281 |
| Efficiency ratio | 54.3784% | 5,352 |
| Assets per employee ($millions) | 7.4896% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2764% | 6,016 |
| Loan loss allowance to noncurrent loans | 104.8218% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,915 |
| Noncurrent loans to loans | 0.2637% | 4,491 |
| Net loans and leases to total assets | 58.7385% | 3,957 |
| Net loans and leases to deposits | 74.0788% | 3,430 |
| Net loans and leases to core deposits | 79.2345% | 3,391 |
| Total domestic deposits to total assets | 79.2919% | 4,903 |
| Equity capital to assets | 20.4171% | 197 |
| Core capital (leverage) ratio | 20.2839% | 187 |
| Tier 1 risk-based capital ratio | 52.1827% | 119 |
| Total risk-based capital ratio | 52.6028% | 123 |
| Memoranda: | ||
| Average total assets | $614,536,500 | 1,146 |
| Average earning assets | $599,368,500 | 1,081 |
| Average equity | $124,503,500 | 646 |
| Average total loans | $363,949,500 | 1,288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9356% | 5,789 |
| Cost of funding earning assets | 0.4838% | 2,322 |
| Net interest margin | 2.4517% | 5,860 |
| Noninterest income to average assets | 0.0166% | 6,074 |
| Noninterest expense to average assets | 1.3192% | 6,068 |
| Loan and lease loss provision to assets | 0.0120% | 4,169 |
| Net operating income to assets | 0.7161% | 3,734 |
| Return on assets (ROA) | 0.7175% | 3,835 |
| Pretax return on assets | 1.0772% | 3,162 |
| Return on Equity (ROE) | 3.6337% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,463 |
| Net charge-offs to loans | 0.0201% | 3,865 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 90.4324% | 631 |
| Efficiency ratio | 54.8204% | 5,460 |
| Assets per employee ($millions) | 7.7838% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2185% | 6,082 |
| Loan loss allowance to noncurrent loans | 93.7866% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,023 |
| Noncurrent loans to loans | 0.2330% | 4,591 |
| Net loans and leases to total assets | 59.4150% | 3,913 |
| Net loans and leases to deposits | 74.6340% | 3,416 |
| Net loans and leases to core deposits | 79.6639% | 3,386 |
| Total domestic deposits to total assets | 79.6085% | 4,838 |
| Equity capital to assets | 20.1025% | 208 |
| Core capital (leverage) ratio | 20.1679% | 194 |
| Tier 1 risk-based capital ratio | 51.4969% | 119 |
| Total risk-based capital ratio | 51.8312% | 122 |
| Memoranda: | ||
| Average total assets | $615,509,000 | 1,108 |
| Average earning assets | $599,983,800 | 1,043 |
| Average equity | $121,528,600 | 628 |
| Average total loans | $367,800,800 | 1,238 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9351% | 5,866 |
| Cost of funding earning assets | 0.4859% | 2,358 |
| Net interest margin | 2.4493% | 5,944 |
| Noninterest income to average assets | 0.0160% | 6,160 |
| Noninterest expense to average assets | 1.2994% | 6,149 |
| Loan and lease loss provision to assets | 0.0017% | 4,209 |
| Net operating income to assets | 0.7285% | 3,771 |
| Return on assets (ROA) | 0.7285% | 3,881 |
| Pretax return on assets | 1.1025% | 3,222 |
| Return on Equity (ROE) | 3.7066% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.7066% | 3,829 |
| Net charge-offs to loans | 0.0029% | 4,085 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 637.1603% | 116 |
| Efficiency ratio | 54.0589% | 5,507 |
| Assets per employee ($millions) | 7.8480% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2183% | 6,169 |
| Loan loss allowance to noncurrent loans | 73.1261% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,007 |
| Noncurrent loans to loans | 0.2985% | 4,528 |
| Net loans and leases to total assets | 59.7438% | 3,912 |
| Net loans and leases to deposits | 75.0207% | 3,420 |
| Net loans and leases to core deposits | 80.6812% | 3,373 |
| Total domestic deposits to total assets | 79.6364% | 4,820 |
| Equity capital to assets | 20.0633% | 230 |
| Core capital (leverage) ratio | 19.9313% | 211 |
| Tier 1 risk-based capital ratio | 51.1765% | 128 |
| Total risk-based capital ratio | 51.5117% | 130 |
| Memoranda: | ||
| Average total assets | $615,655,750 | 1,114 |
| Average earning assets | $600,167,250 | 1,052 |
| Average equity | $121,007,000 | 637 |
| Average total loans | $368,212,000 | 1,241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9413% | 5,907 |
| Cost of funding earning assets | 0.4869% | 2,377 |
| Net interest margin | 2.4544% | 5,997 |
| Noninterest income to average assets | 0.0256% | 6,221 |
| Noninterest expense to average assets | 1.3261% | 6,207 |
| Loan and lease loss provision to assets | 0.0016% | 4,054 |
| Net operating income to assets | 0.7188% | 3,800 |
| Return on assets (ROA) | 0.7188% | 3,918 |
| Pretax return on assets | 1.0891% | 3,220 |
| Return on Equity (ROE) | 3.6826% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.6826% | 3,679 |
| Net charge-offs to loans | 0.0027% | 3,808 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 672.8000% | 92 |
| Efficiency ratio | 54.8699% | 5,517 |
| Assets per employee ($millions) | 7.5687% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2178% | 6,243 |
| Loan loss allowance to noncurrent loans | 55.6715% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 4,633 |
| Noncurrent loans to loans | 0.3912% | 4,307 |
| Net loans and leases to total assets | 59.7816% | 3,866 |
| Net loans and leases to deposits | 74.7054% | 3,411 |
| Net loans and leases to core deposits | 80.4707% | 3,337 |
| Total domestic deposits to total assets | 80.0231% | 4,866 |
| Equity capital to assets | 19.7742% | 235 |
| Core capital (leverage) ratio | 19.6878% | 218 |
| Tier 1 risk-based capital ratio | 50.7026% | 142 |
| Total risk-based capital ratio | 51.0378% | 146 |
| Memoranda: | ||
| Average total assets | $616,825,330 | 1,119 |
| Average earning assets | $600,964,000 | 1,058 |
| Average equity | $120,403,670 | 646 |
| Average total loans | $368,776,000 | 1,247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 5,959 |
| Cost of funding earning assets | 0.4873% | 2,403 |
| Net interest margin | 2.4518% | 6,065 |
| Noninterest income to average assets | 0.0524% | 6,222 |
| Noninterest expense to average assets | 1.3241% | 6,272 |
| Loan and lease loss provision to assets | 0.0129% | 3,556 |
| Net operating income to assets | 0.7254% | 3,665 |
| Return on assets (ROA) | 0.7254% | 3,802 |
| Pretax return on assets | 1.1029% | 3,061 |
| Return on Equity (ROE) | 3.7403% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,766 |
| Net charge-offs to loans | 0.0217% | 2,713 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 86.3000% | 557 |
| Efficiency ratio | 54.2660% | 5,657 |
| Assets per employee ($millions) | 7.4392% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2175% | 6,318 |
| Loan loss allowance to noncurrent loans | 55.7491% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 4,635 |
| Noncurrent loans to loans | 0.3901% | 4,423 |
| Net loans and leases to total assets | 59.4393% | 3,739 |
| Net loans and leases to deposits | 74.1166% | 3,294 |
| Net loans and leases to core deposits | 79.8333% | 3,186 |
| Total domestic deposits to total assets | 80.1970% | 5,013 |
| Equity capital to assets | 19.5444% | 246 |
| Core capital (leverage) ratio | 19.3830% | 231 |
| Tier 1 risk-based capital ratio | 50.3777% | 153 |
| Total risk-based capital ratio | 50.7137% | 158 |
| Memoranda: | ||
| Average total assets | $618,707,000 | 1,123 |
| Average earning assets | $602,500,500 | 1,061 |
| Average equity | $119,991,500 | 644 |
| Average total loans | $369,515,000 | 1,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 6,044 |
| Cost of funding earning assets | 0.5254% | 2,431 |
| Net interest margin | 2.4935% | 6,162 |
| Noninterest income to average assets | 0.0343% | 6,324 |
| Noninterest expense to average assets | 1.3216% | 6,388 |
| Loan and lease loss provision to assets | 0.0108% | 4,409 |
| Net operating income to assets | 0.7397% | 3,681 |
| Return on assets (ROA) | 0.4335% | 5,186 |
| Pretax return on assets | 0.6461% | 4,796 |
| Return on Equity (ROE) | 2.3015% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.3015% | 4,594 |
| Net charge-offs to loans | 0.0178% | 4,501 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 103.3134% | 506 |
| Efficiency ratio | 54.2649% | 5,819 |
| Assets per employee ($millions) | 7.4694% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2155% | 6,410 |
| Loan loss allowance to noncurrent loans | 59.4796% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,776 |
| Noncurrent loans to loans | 0.3623% | 4,568 |
| Net loans and leases to total assets | 59.7490% | 3,821 |
| Net loans and leases to deposits | 74.2472% | 3,409 |
| Net loans and leases to core deposits | 79.9263% | 3,307 |
| Total domestic deposits to total assets | 80.4730% | 4,886 |
| Equity capital to assets | 19.2441% | 256 |
| Core capital (leverage) ratio | 19.1625% | 241 |
| Tier 1 risk-based capital ratio | 49.6668% | 138 |
| Total risk-based capital ratio | 50.0013% | 143 |
| Memoranda: | ||
| Average total assets | $621,466,000 | 1,071 |
| Average earning assets | $598,428,800 | 1,026 |
| Average equity | $117,054,400 | 619 |
| Average total loans | $375,488,000 | 1,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 6,105 |
| Cost of funding earning assets | 0.5296% | 2,469 |
| Net interest margin | 2.5009% | 6,223 |
| Noninterest income to average assets | 0.0380% | 6,411 |
| Noninterest expense to average assets | 1.2935% | 6,460 |
| Loan and lease loss provision to assets | 0.0111% | 4,198 |
| Net operating income to assets | 0.7719% | 3,553 |
| Return on assets (ROA) | 0.3819% | 5,392 |
| Pretax return on assets | 0.5615% | 5,148 |
| Return on Equity (ROE) | 2.0384% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.0384% | 5,033 |
| Net charge-offs to loans | 0.0184% | 4,165 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 102.8100% | 578 |
| Efficiency ratio | 53.0187% | 5,918 |
| Assets per employee ($millions) | 7.5930% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2146% | 6,489 |
| Loan loss allowance to noncurrent loans | 55.9832% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 5,082 |
| Noncurrent loans to loans | 0.3833% | 4,765 |
| Net loans and leases to total assets | 59.7442% | 3,827 |
| Net loans and leases to deposits | 73.8608% | 3,446 |
| Net loans and leases to core deposits | 79.7539% | 3,339 |
| Total domestic deposits to total assets | 80.8877% | 4,852 |
| Equity capital to assets | 18.9010% | 275 |
| Core capital (leverage) ratio | 18.9337% | 256 |
| Tier 1 risk-based capital ratio | 49.1239% | 138 |
| Total risk-based capital ratio | 49.4572% | 144 |
| Memoranda: | ||
| Average total assets | $621,842,000 | 1,082 |
| Average earning assets | $597,208,500 | 1,034 |
| Average equity | $116,491,500 | 617 |
| Average total loans | $376,554,750 | 1,184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0527% | 6,132 |
| Cost of funding earning assets | 0.5348% | 2,492 |
| Net interest margin | 2.5179% | 6,255 |
| Noninterest income to average assets | 0.0225% | 6,506 |
| Noninterest expense to average assets | 1.3096% | 6,520 |
| Loan and lease loss provision to assets | 0.0074% | 4,090 |
| Net operating income to assets | 0.7572% | 3,533 |
| Return on assets (ROA) | 0.3430% | 5,498 |
| Pretax return on assets | 0.5036% | 5,265 |
| Return on Equity (ROE) | 1.8364% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.8364% | 4,970 |
| Net charge-offs to loans | 0.0122% | 4,003 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 151.3478% | 407 |
| Efficiency ratio | 53.9001% | 5,919 |
| Assets per employee ($millions) | 7.4846% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2133% | 6,563 |
| Loan loss allowance to noncurrent loans | 90.2935% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 5,550 |
| Noncurrent loans to loans | 0.2363% | 5,287 |
| Net loans and leases to total assets | 60.2403% | 3,676 |
| Net loans and leases to deposits | 74.3437% | 3,282 |
| Net loans and leases to core deposits | 80.0965% | 3,201 |
| Total domestic deposits to total assets | 81.0295% | 4,971 |
| Equity capital to assets | 18.8282% | 273 |
| Core capital (leverage) ratio | 18.8615% | 254 |
| Tier 1 risk-based capital ratio | 48.8239% | 142 |
| Total risk-based capital ratio | 49.1573% | 145 |
| Memoranda: | ||
| Average total assets | $621,579,670 | 1,084 |
| Average earning assets | $594,219,670 | 1,039 |
| Average equity | $116,094,330 | 613 |
| Average total loans | $377,811,330 | 1,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 6,131 |
| Cost of funding earning assets | 0.5386% | 2,519 |
| Net interest margin | 2.5567% | 6,278 |
| Noninterest income to average assets | 0.0296% | 6,539 |
| Noninterest expense to average assets | 1.2487% | 6,612 |
| Loan and lease loss provision to assets | 0.0045% | 3,763 |
| Net operating income to assets | 0.9203% | 2,547 |
| Return on assets (ROA) | 0.2033% | 5,842 |
| Pretax return on assets | 0.2728% | 5,777 |
| Return on Equity (ROE) | 1.0929% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.0929% | 5,165 |
| Net charge-offs to loans | 0.0074% | 3,499 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 273.8571% | 174 |
| Efficiency ratio | 50.3110% | 6,237 |
| Assets per employee ($millions) | 7.7400% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2125% | 6,634 |
| Loan loss allowance to noncurrent loans | 103.6269% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 5,695 |
| Noncurrent loans to loans | 0.2051% | 5,480 |
| Net loans and leases to total assets | 60.6674% | 3,450 |
| Net loans and leases to deposits | 74.6056% | 2,995 |
| Net loans and leases to core deposits | 80.4695% | 2,912 |
| Total domestic deposits to total assets | 81.3176% | 5,148 |
| Equity capital to assets | 18.6067% | 280 |
| Core capital (leverage) ratio | 18.8021% | 254 |
| Tier 1 risk-based capital ratio | 48.1606% | 150 |
| Total risk-based capital ratio | 48.4915% | 154 |
| Memoranda: | ||
| Average total assets | $621,758,500 | 1,095 |
| Average earning assets | $596,398,000 | 1,051 |
| Average equity | $115,659,000 | 619 |
| Average total loans | $379,204,000 | 1,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2609% | 6,057 |
| Cost of funding earning assets | 0.6128% | 2,544 |
| Net interest margin | 2.6481% | 6,206 |
| Noninterest income to average assets | 0.0305% | 6,594 |
| Noninterest expense to average assets | 1.1768% | 6,719 |
| Loan and lease loss provision to assets | 0.0350% | 4,419 |
| Net operating income to assets | 0.8636% | 2,952 |
| Return on assets (ROA) | 0.8636% | 3,035 |
| Pretax return on assets | 1.3737% | 1,888 |
| Return on Equity (ROE) | 4.7301% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.7301% | 2,789 |
| Net charge-offs to loans | 0.0566% | 4,437 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 40.1972% | 944 |
| Efficiency ratio | 45.5139% | 6,579 |
| Assets per employee ($millions) | 7.8040% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2094% | 6,707 |
| Loan loss allowance to noncurrent loans | 82.1355% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 5,714 |
| Noncurrent loans to loans | 0.2550% | 5,413 |
| Net loans and leases to total assets | 61.0515% | 3,528 |
| Net loans and leases to deposits | 75.2495% | 3,062 |
| Net loans and leases to core deposits | 81.2748% | 2,981 |
| Total domestic deposits to total assets | 81.1321% | 5,129 |
| Equity capital to assets | 18.5972% | 281 |
| Core capital (leverage) ratio | 18.5972% | 268 |
| Tier 1 risk-based capital ratio | 48.1300% | 146 |
| Total risk-based capital ratio | 48.4617% | 152 |
| Memoranda: | ||
| Average total assets | $622,028,400 | 1,072 |
| Average earning assets | $600,175,000 | 1,019 |
| Average equity | $113,569,800 | 622 |
| Average total loans | $385,392,800 | 1,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2890% | 6,072 |
| Cost of funding earning assets | 0.6251% | 2,606 |
| Net interest margin | 2.6639% | 6,228 |
| Noninterest income to average assets | 0.0311% | 6,674 |
| Noninterest expense to average assets | 1.1096% | 6,809 |
| Loan and lease loss provision to assets | 0.0423% | 4,167 |
| Net operating income to assets | 0.9474% | 2,609 |
| Return on assets (ROA) | 0.9474% | 2,714 |
| Pretax return on assets | 1.4501% | 1,768 |
| Return on Equity (ROE) | 5.2135% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.2135% | 2,924 |
| Net charge-offs to loans | 0.0680% | 3,948 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 35.3096% | 1,096 |
| Efficiency ratio | 42.6451% | 6,691 |
| Assets per employee ($millions) | 8.0293% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2086% | 6,790 |
| Loan loss allowance to noncurrent loans | 85.2878% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 5,923 |
| Noncurrent loans to loans | 0.2445% | 5,621 |
| Net loans and leases to total assets | 61.1163% | 3,503 |
| Net loans and leases to deposits | 75.0175% | 3,089 |
| Net loans and leases to core deposits | 81.1663% | 2,976 |
| Total domestic deposits to total assets | 81.4694% | 5,095 |
| Equity capital to assets | 18.3861% | 300 |
| Core capital (leverage) ratio | 18.3861% | 274 |
| Tier 1 risk-based capital ratio | 47.8673% | 150 |
| Total risk-based capital ratio | 48.1998% | 155 |
| Memoranda: | ||
| Average total assets | $621,455,500 | 1,082 |
| Average earning assets | $599,761,250 | 1,029 |
| Average equity | $112,935,750 | 631 |
| Average total loans | $386,251,750 | 1,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 6,043 |
| Cost of funding earning assets | 0.6366% | 2,623 |
| Net interest margin | 2.6903% | 6,194 |
| Noninterest income to average assets | -0.0197% | 6,821 |
| Noninterest expense to average assets | 0.9502% | 6,884 |
| Loan and lease loss provision to assets | 0.0484% | 4,011 |
| Net operating income to assets | 0.9627% | 2,501 |
| Return on assets (ROA) | 0.9706% | 2,607 |
| Pretax return on assets | 1.5901% | 1,397 |
| Return on Equity (ROE) | 5.3620% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,834 |
| Net charge-offs to loans | 0.0775% | 3,609 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,054 |
| Efficiency ratio | 36.8817% | 6,835 |
| Assets per employee ($millions) | 8.4294% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 6,833 |
| Loan loss allowance to noncurrent loans | 75.1174% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 5,926 |
| Noncurrent loans to loans | 0.2773% | 5,606 |
| Net loans and leases to total assets | 61.4417% | 3,398 |
| Net loans and leases to deposits | 75.2866% | 2,973 |
| Net loans and leases to core deposits | 81.4675% | 2,862 |
| Total domestic deposits to total assets | 81.6104% | 5,176 |
| Equity capital to assets | 18.2344% | 309 |
| Core capital (leverage) ratio | 18.2344% | 273 |
| Tier 1 risk-based capital ratio | 47.2492% | 147 |
| Total risk-based capital ratio | 47.5815% | 156 |
| Memoranda: | ||
| Average total assets | $619,844,670 | 1,082 |
| Average earning assets | $598,152,330 | 1,033 |
| Average equity | $112,197,670 | 637 |
| Average total loans | $387,147,670 | 1,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 6,076 |
| Cost of funding earning assets | 0.6501% | 2,656 |
| Net interest margin | 2.6857% | 6,238 |
| Noninterest income to average assets | 0.0233% | 6,805 |
| Noninterest expense to average assets | 1.0429% | 6,954 |
| Loan and lease loss provision to assets | 0.0123% | 4,298 |
| Net operating income to assets | 0.8912% | 2,693 |
| Return on assets (ROA) | 0.8953% | 2,827 |
| Pretax return on assets | 1.5686% | 1,382 |
| Return on Equity (ROE) | 4.9648% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.9648% | 3,256 |
| Net charge-offs to loans | 0.0196% | 3,767 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 302 |
| Efficiency ratio | 39.8466% | 6,877 |
| Assets per employee ($millions) | 8.3644% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2061% | 6,912 |
| Loan loss allowance to noncurrent loans | 81.4664% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 6,094 |
| Noncurrent loans to loans | 0.2529% | 5,782 |
| Net loans and leases to total assets | 62.5938% | 2,954 |
| Net loans and leases to deposits | 76.6016% | 2,537 |
| Net loans and leases to core deposits | 82.8348% | 2,471 |
| Total domestic deposits to total assets | 81.7135% | 5,293 |
| Equity capital to assets | 18.1136% | 323 |
| Core capital (leverage) ratio | 18.1136% | 278 |
| Tier 1 risk-based capital ratio | 46.5560% | 154 |
| Total risk-based capital ratio | 46.8882% | 162 |
| Memoranda: | ||
| Average total assets | $617,878,500 | 1,096 |
| Average earning assets | $596,791,500 | 1,047 |
| Average equity | $111,425,500 | 656 |
| Average total loans | $388,692,000 | 1,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 5,419 |
| Cost of funding earning assets | 0.8101% | 2,588 |
| Net interest margin | 3.1484% | 5,698 |
| Noninterest income to average assets | -0.0111% | 6,850 |
| Noninterest expense to average assets | 0.9708% | 7,018 |
| Loan and lease loss provision to assets | 0.0387% | 5,387 |
| Net operating income to assets | 1.2565% | 1,433 |
| Return on assets (ROA) | 1.2805% | 1,515 |
| Pretax return on assets | 2.0574% | 538 |
| Return on Equity (ROE) | 7.3607% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.3607% | 1,394 |
| Net charge-offs to loans | 0.0631% | 5,060 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 53.3571% | 652 |
| Efficiency ratio | 31.9781% | 7,016 |
| Assets per employee ($millions) | 8.6872% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2056% | 6,966 |
| Loan loss allowance to noncurrent loans | 43.1034% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 5,756 |
| Noncurrent loans to loans | 0.4769% | 5,330 |
| Net loans and leases to total assets | 62.9629% | 3,063 |
| Net loans and leases to deposits | 77.0177% | 2,655 |
| Net loans and leases to core deposits | 83.6864% | 2,583 |
| Total domestic deposits to total assets | 81.7512% | 5,180 |
| Equity capital to assets | 17.9532% | 331 |
| Core capital (leverage) ratio | 17.9532% | 285 |
| Tier 1 risk-based capital ratio | 45.4277% | 168 |
| Total risk-based capital ratio | 45.7558% | 177 |
| Memoranda: | ||
| Average total assets | $614,939,600 | 1,081 |
| Average earning assets | $595,130,400 | 1,013 |
| Average equity | $106,974,000 | 665 |
| Average total loans | $377,392,000 | 1,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 5,277 |
| Cost of funding earning assets | 0.8438% | 2,598 |
| Net interest margin | 3.2335% | 5,601 |
| Noninterest income to average assets | 0.0011% | 6,931 |
| Noninterest expense to average assets | 0.9096% | 7,131 |
| Loan and lease loss provision to assets | 0.0306% | 5,396 |
| Net operating income to assets | 1.3941% | 1,241 |
| Return on assets (ROA) | 1.4240% | 1,293 |
| Pretax return on assets | 2.2308% | 455 |
| Return on Equity (ROE) | 8.2525% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.2525% | 1,517 |
| Net charge-offs to loans | 0.0502% | 4,954 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 72.6578% | 574 |
| Efficiency ratio | 29.0365% | 7,124 |
| Assets per employee ($millions) | 8.9110% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2105% | 7,074 |
| Loan loss allowance to noncurrent loans | 64.8824% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 6,162 |
| Noncurrent loans to loans | 0.3244% | 5,828 |
| Net loans and leases to total assets | 61.6861% | 3,447 |
| Net loans and leases to deposits | 75.2253% | 3,105 |
| Net loans and leases to core deposits | 81.8382% | 2,983 |
| Total domestic deposits to total assets | 82.0018% | 5,026 |
| Equity capital to assets | 17.7964% | 378 |
| Core capital (leverage) ratio | 17.7964% | 311 |
| Tier 1 risk-based capital ratio | 45.5639% | 174 |
| Total risk-based capital ratio | 45.8970% | 178 |
| Memoranda: | ||
| Average total assets | $614,476,500 | 1,085 |
| Average earning assets | $595,085,000 | 1,016 |
| Average equity | $106,034,000 | 671 |
| Average total loans | $374,452,500 | 1,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 5,624 |
| Cost of funding earning assets | 0.8809% | 2,553 |
| Net interest margin | 3.1228% | 5,939 |
| Noninterest income to average assets | 0.0153% | 6,957 |
| Noninterest expense to average assets | 0.8793% | 7,203 |
| Loan and lease loss provision to assets | 0.0234% | 5,373 |
| Net operating income to assets | 1.3339% | 1,348 |
| Return on assets (ROA) | 1.3735% | 1,408 |
| Pretax return on assets | 2.1841% | 496 |
| Return on Equity (ROE) | 8.0435% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.0435% | 1,621 |
| Net charge-offs to loans | 0.0386% | 4,835 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 92.0833% | 461 |
| Efficiency ratio | 28.9465% | 7,184 |
| Assets per employee ($millions) | 8.9333% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2123% | 7,143 |
| Loan loss allowance to noncurrent loans | 46.8658% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,063 |
| Noncurrent loans to loans | 0.4530% | 5,628 |
| Net loans and leases to total assets | 61.0060% | 3,626 |
| Net loans and leases to deposits | 73.9810% | 3,297 |
| Net loans and leases to core deposits | 80.4018% | 3,160 |
| Total domestic deposits to total assets | 82.4618% | 4,961 |
| Equity capital to assets | 17.3721% | 398 |
| Core capital (leverage) ratio | 17.3721% | 335 |
| Tier 1 risk-based capital ratio | 45.3831% | 169 |
| Total risk-based capital ratio | 45.7222% | 172 |
| Memoranda: | ||
| Average total assets | $614,348,670 | 1,083 |
| Average earning assets | $594,597,000 | 1,013 |
| Average equity | $104,904,330 | 675 |
| Average total loans | $372,575,670 | 1,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 5,285 |
| Cost of funding earning assets | 0.9220% | 2,501 |
| Net interest margin | 3.2242% | 5,720 |
| Noninterest income to average assets | 0.0300% | 7,012 |
| Noninterest expense to average assets | 1.0070% | 7,254 |
| Loan and lease loss provision to assets | 0.0293% | 4,995 |
| Net operating income to assets | 1.2483% | 1,607 |
| Return on assets (ROA) | 1.3083% | 1,603 |
| Pretax return on assets | 2.1822% | 556 |
| Return on Equity (ROE) | 7.7291% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.7291% | 2,080 |
| Net charge-offs to loans | 0.0486% | 4,022 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 73.0222% | 458 |
| Efficiency ratio | 31.9669% | 7,221 |
| Assets per employee ($millions) | 9.0686% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2148% | 7,198 |
| Loan loss allowance to noncurrent loans | 79.2079% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 6,476 |
| Noncurrent loans to loans | 0.2712% | 6,138 |
| Net loans and leases to total assets | 60.2700% | 3,604 |
| Net loans and leases to deposits | 72.7769% | 3,306 |
| Net loans and leases to core deposits | 79.5367% | 3,113 |
| Total domestic deposits to total assets | 82.8148% | 5,002 |
| Equity capital to assets | 16.9978% | 427 |
| Core capital (leverage) ratio | 17.0054% | 354 |
| Tier 1 risk-based capital ratio | 44.9858% | 165 |
| Total risk-based capital ratio | 45.3290% | 174 |
| Memoranda: | ||
| Average total assets | $613,324,000 | 1,085 |
| Average earning assets | $593,503,500 | 1,015 |
| Average equity | $103,816,000 | 679 |
| Average total loans | $370,443,500 | 1,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 4,931 |
| Cost of funding earning assets | 1.1189% | 2,542 |
| Net interest margin | 3.4178% | 5,434 |
| Noninterest income to average assets | 0.0067% | 6,966 |
| Noninterest expense to average assets | 1.0606% | 7,287 |
| Loan and lease loss provision to assets | 0.0634% | 5,818 |
| Net operating income to assets | 1.3350% | 1,168 |
| Return on assets (ROA) | 1.3527% | 1,225 |
| Pretax return on assets | 2.2182% | 355 |
| Return on Equity (ROE) | 8.2233% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.2233% | 1,010 |
| Net charge-offs to loans | 0.0236% | 6,110 |
| Credit loss provision to net charge-offs | 448.2353% | 507 |
| Earnings coverage of net charge-offs (x) | 159.4118% | 214 |
| Efficiency ratio | 31.9984% | 7,284 |
| Assets per employee ($millions) | 9.1043% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2171% | 7,255 |
| Loan loss allowance to noncurrent loans | 94.5626% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 6,471 |
| Noncurrent loans to loans | 0.2296% | 6,280 |
| Net loans and leases to total assets | 60.2677% | 3,942 |
| Net loans and leases to deposits | 72.7994% | 3,697 |
| Net loans and leases to core deposits | 78.0830% | 3,678 |
| Total domestic deposits to total assets | 82.7860% | 4,841 |
| Equity capital to assets | 16.8550% | 469 |
| Core capital (leverage) ratio | 16.8626% | 375 |
| Tier 1 risk-based capital ratio | 44.4624% | 170 |
| Total risk-based capital ratio | 44.8081% | 180 |
| Memoranda: | ||
| Average total assets | $601,162,800 | 1,091 |
| Average earning assets | $581,838,400 | 1,015 |
| Average equity | $98,889,200 | 694 |
| Average total loans | $360,492,000 | 1,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 4,743 |
| Cost of funding earning assets | 1.1588% | 2,577 |
| Net interest margin | 3.4719% | 5,306 |
| Noninterest income to average assets | 0.0232% | 7,036 |
| Noninterest expense to average assets | 1.0527% | 7,369 |
| Loan and lease loss provision to assets | 0.0630% | 5,666 |
| Net operating income to assets | 1.4058% | 1,136 |
| Return on assets (ROA) | 1.4249% | 1,177 |
| Pretax return on assets | 2.2959% | 356 |
| Return on Equity (ROE) | 8.7168% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.7168% | 1,246 |
| Net charge-offs to loans | 0.0309% | 5,712 |
| Credit loss provision to net charge-offs | 340.9639% | 826 |
| Earnings coverage of net charge-offs (x) | 126.0647% | 293 |
| Efficiency ratio | 31.1282% | 7,358 |
| Assets per employee ($millions) | 9.0620% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2209% | 7,326 |
| Loan loss allowance to noncurrent loans | 88.3978% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 6,675 |
| Noncurrent loans to loans | 0.2498% | 6,373 |
| Net loans and leases to total assets | 59.5280% | 4,222 |
| Net loans and leases to deposits | 71.6039% | 4,044 |
| Net loans and leases to core deposits | 77.3411% | 3,997 |
| Total domestic deposits to total assets | 83.1352% | 4,628 |
| Equity capital to assets | 16.6491% | 524 |
| Core capital (leverage) ratio | 16.6563% | 428 |
| Tier 1 risk-based capital ratio | 44.3500% | 187 |
| Total risk-based capital ratio | 44.7008% | 194 |
| Memoranda: | ||
| Average total assets | $598,957,250 | 1,104 |
| Average earning assets | $579,419,000 | 1,027 |
| Average equity | $97,908,250 | 704 |
| Average total loans | $358,509,000 | 1,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 4,900 |
| Cost of funding earning assets | 1.2068% | 2,532 |
| Net interest margin | 3.4094% | 5,524 |
| Noninterest income to average assets | 0.0208% | 7,146 |
| Noninterest expense to average assets | 1.0949% | 7,440 |
| Loan and lease loss provision to assets | 0.0278% | 5,958 |
| Net operating income to assets | 1.3915% | 1,100 |
| Return on assets (ROA) | 1.3958% | 1,158 |
| Pretax return on assets | 2.2008% | 408 |
| Return on Equity (ROE) | 8.5927% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.5927% | 1,235 |
| Net charge-offs to loans | 0.0465% | 5,203 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 79.8072% | 426 |
| Efficiency ratio | 33.0097% | 7,419 |
| Assets per employee ($millions) | 9.0357% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1674% | 7,404 |
| Loan loss allowance to noncurrent loans | 79.1557% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 6,782 |
| Noncurrent loans to loans | 0.2115% | 6,484 |
| Net loans and leases to total assets | 59.0998% | 4,443 |
| Net loans and leases to deposits | 70.7878% | 4,326 |
| Net loans and leases to core deposits | 76.4839% | 4,251 |
| Total domestic deposits to total assets | 83.4886% | 4,551 |
| Equity capital to assets | 16.3290% | 570 |
| Core capital (leverage) ratio | 16.3350% | 469 |
| Tier 1 risk-based capital ratio | 43.5319% | 199 |
| Total risk-based capital ratio | 43.7960% | 205 |
| Memoranda: | ||
| Average total assets | $596,226,000 | 1,113 |
| Average earning assets | $576,411,330 | 1,041 |
| Average equity | $96,849,330 | 706 |
| Average total loans | $357,270,330 | 1,215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 4,078 |
| Cost of funding earning assets | 1.2467% | 2,528 |
| Net interest margin | 3.5492% | 4,818 |
| Noninterest income to average assets | 0.0304% | 7,217 |
| Noninterest expense to average assets | 1.1602% | 7,495 |
| Loan and lease loss provision to assets | 0.0561% | 5,303 |
| Net operating income to assets | 1.5588% | 763 |
| Return on assets (ROA) | 1.5597% | 798 |
| Pretax return on assets | 2.2493% | 367 |
| Return on Equity (ROE) | 9.6279% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.6279% | 1,204 |
| Net charge-offs to loans | 0.0931% | 4,009 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 41.0602% | 670 |
| Efficiency ratio | 33.4895% | 7,470 |
| Assets per employee ($millions) | 8.7516% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1673% | 7,457 |
| Loan loss allowance to noncurrent loans | 69.7674% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 6,701 |
| Noncurrent loans to loans | 0.2398% | 6,506 |
| Net loans and leases to total assets | 60.1601% | 4,232 |
| Net loans and leases to deposits | 72.0400% | 4,073 |
| Net loans and leases to core deposits | 77.8987% | 4,033 |
| Total domestic deposits to total assets | 83.5094% | 4,699 |
| Equity capital to assets | 16.3003% | 524 |
| Core capital (leverage) ratio | 16.3059% | 454 |
| Tier 1 risk-based capital ratio | 42.8856% | 202 |
| Total risk-based capital ratio | 43.1507% | 207 |
| Memoranda: | ||
| Average total assets | $591,641,500 | 1,131 |
| Average earning assets | $572,413,000 | 1,061 |
| Average equity | $95,846,500 | 703 |
| Average total loans | $356,712,000 | 1,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 4,693 |
| Cost of funding earning assets | 1.5574% | 2,319 |
| Net interest margin | 3.4127% | 5,582 |
| Noninterest income to average assets | 0.0275% | 7,201 |
| Noninterest expense to average assets | 1.0121% | 7,578 |
| Loan and lease loss provision to assets | 0.0511% | 6,647 |
| Net operating income to assets | 1.4120% | 921 |
| Return on assets (ROA) | 1.6695% | 592 |
| Pretax return on assets | 2.5316% | 178 |
| Return on Equity (ROE) | 10.7049% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.7049% | 416 |
| Net charge-offs to loans | 0.0204% | 6,609 |
| Credit loss provision to net charge-offs | 421.4286% | 561 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 134 |
| Efficiency ratio | 30.3709% | 7,585 |
| Assets per employee ($millions) | 8.7787% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1691% | 7,534 |
| Loan loss allowance to noncurrent loans | 64.9351% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,763 |
| Noncurrent loans to loans | 0.2604% | 6,543 |
| Net loans and leases to total assets | 60.2213% | 4,642 |
| Net loans and leases to deposits | 72.0919% | 4,502 |
| Net loans and leases to core deposits | 78.1555% | 4,443 |
| Total domestic deposits to total assets | 83.5340% | 4,589 |
| Equity capital to assets | 16.0988% | 570 |
| Core capital (leverage) ratio | 16.1056% | 495 |
| Tier 1 risk-based capital ratio | 42.2918% | 206 |
| Total risk-based capital ratio | 42.5596% | 221 |
| Memoranda: | ||
| Average total assets | $577,726,800 | 1,166 |
| Average earning assets | $559,466,400 | 1,083 |
| Average equity | $90,099,200 | 741 |
| Average total loans | $342,347,600 | 1,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 4,479 |
| Cost of funding earning assets | 1.6139% | 2,313 |
| Net interest margin | 3.4560% | 5,468 |
| Noninterest income to average assets | 0.0278% | 7,374 |
| Noninterest expense to average assets | 0.9751% | 7,700 |
| Loan and lease loss provision to assets | 0.0568% | 6,499 |
| Net operating income to assets | 1.4739% | 968 |
| Return on assets (ROA) | 1.8143% | 529 |
| Pretax return on assets | 2.6886% | 175 |
| Return on Equity (ROE) | 11.7304% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.7304% | 492 |
| Net charge-offs to loans | 0.0177% | 6,429 |
| Credit loss provision to net charge-offs | 544.4444% | 528 |
| Earnings coverage of net charge-offs (x) | 230.1275% | 142 |
| Efficiency ratio | 28.8834% | 7,691 |
| Assets per employee ($millions) | 17.5388% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1724% | 7,646 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 6,976 |
| Noncurrent loans to loans | 0.1983% | 6,779 |
| Net loans and leases to total assets | 60.0204% | 4,912 |
| Net loans and leases to deposits | 71.7381% | 4,876 |
| Net loans and leases to core deposits | 77.7928% | 4,826 |
| Total domestic deposits to total assets | 83.6660% | 4,285 |
| Equity capital to assets | 16.0469% | 661 |
| Core capital (leverage) ratio | 16.0528% | 555 |
| Tier 1 risk-based capital ratio | 42.0880% | 215 |
| Total risk-based capital ratio | 42.3597% | 224 |
| Memoranda: | ||
| Average total assets | $575,114,500 | 1,184 |
| Average earning assets | $557,154,500 | 1,089 |
| Average equity | $88,951,750 | 751 |
| Average total loans | $339,232,750 | 1,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 4,763 |
| Cost of funding earning assets | 1.6646% | 2,314 |
| Net interest margin | 3.3717% | 5,749 |
| Noninterest income to average assets | 0.0279% | 7,438 |
| Noninterest expense to average assets | 1.0002% | 7,775 |
| Loan and lease loss provision to assets | 0.0854% | 6,071 |
| Net operating income to assets | 1.3993% | 1,094 |
| Return on assets (ROA) | 1.9052% | 435 |
| Pretax return on assets | 2.7172% | 169 |
| Return on Equity (ROE) | 12.4755% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.4755% | 435 |
| Net charge-offs to loans | 0.0268% | 5,956 |
| Credit loss provision to net charge-offs | 544.4444% | 683 |
| Earnings coverage of net charge-offs (x) | 146.2667% | 234 |
| Efficiency ratio | 30.3639% | 7,747 |
| Assets per employee ($millions) | 9.0749% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1766% | 7,715 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 6,930 |
| Noncurrent loans to loans | 0.2590% | 6,713 |
| Net loans and leases to total assets | 58.3964% | 5,354 |
| Net loans and leases to deposits | 69.3689% | 5,371 |
| Net loans and leases to core deposits | 75.0291% | 5,314 |
| Total domestic deposits to total assets | 84.1824% | 4,021 |
| Equity capital to assets | 15.5875% | 752 |
| Core capital (leverage) ratio | 15.5913% | 624 |
| Tier 1 risk-based capital ratio | 40.8636% | 237 |
| Total risk-based capital ratio | 41.1343% | 243 |
| Memoranda: | ||
| Average total assets | $573,892,670 | 1,185 |
| Average earning assets | $555,916,330 | 1,095 |
| Average equity | $87,643,670 | 745 |
| Average total loans | $336,315,000 | 1,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 4,405 |
| Cost of funding earning assets | 1.7132% | 2,323 |
| Net interest margin | 3.4156% | 5,518 |
| Noninterest income to average assets | 0.0287% | 7,564 |
| Noninterest expense to average assets | 1.0574% | 7,868 |
| Loan and lease loss provision to assets | 0.0042% | 6,538 |
| Net operating income to assets | 1.5097% | 879 |
| Return on assets (ROA) | 1.5111% | 942 |
| Pretax return on assets | 2.2824% | 358 |
| Return on Equity (ROE) | 10.0000% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.0000% | 1,139 |
| Net charge-offs to loans | 0.0072% | 5,497 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 543.0000% | 46 |
| Efficiency ratio | 31.6408% | 7,837 |
| Assets per employee ($millions) | 9.4315% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1189% | 7,837 |
| Loan loss allowance to noncurrent loans | 115.6069% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 7,244 |
| Noncurrent loans to loans | 0.1028% | 7,136 |
| Net loans and leases to total assets | 58.4163% | 5,363 |
| Net loans and leases to deposits | 68.9795% | 5,472 |
| Net loans and leases to core deposits | 74.3967% | 5,458 |
| Total domestic deposits to total assets | 84.6865% | 3,814 |
| Equity capital to assets | 15.1693% | 841 |
| Core capital (leverage) ratio | 15.1660% | 718 |
| Tier 1 risk-based capital ratio | 39.3607% | 263 |
| Total risk-based capital ratio | 39.5412% | 272 |
| Memoranda: | ||
| Average total assets | $570,443,500 | 1,221 |
| Average earning assets | $553,345,500 | 1,130 |
| Average equity | $86,200,000 | 768 |
| Average total loans | $334,592,000 | 1,401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 5,628 |
| Cost of funding earning assets | 2.3623% | 1,415 |
| Net interest margin | 2.8425% | 6,990 |
| Noninterest income to average assets | 0.0424% | 7,534 |
| Noninterest expense to average assets | 1.1358% | 7,927 |
| Loan and lease loss provision to assets | 0.0230% | 7,280 |
| Net operating income to assets | 1.0333% | 1,730 |
| Return on assets (ROA) | 1.0493% | 1,709 |
| Pretax return on assets | 1.6731% | 831 |
| Return on Equity (ROE) | 6.8767% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.8767% | 1,011 |
| Net charge-offs to loans | 0.0078% | 7,123 |
| Credit loss provision to net charge-offs | 516.6667% | 596 |
| Earnings coverage of net charge-offs (x) | 376.1667% | 77 |
| Efficiency ratio | 40.4643% | 7,851 |
| Assets per employee ($millions) | 8.9772% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1202% | 7,908 |
| Loan loss allowance to noncurrent loans | 165.9751% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 7,398 |
| Noncurrent loans to loans | 0.0724% | 7,241 |
| Net loans and leases to total assets | 58.7558% | 5,527 |
| Net loans and leases to deposits | 69.6804% | 5,647 |
| Net loans and leases to core deposits | 91.7536% | 4,920 |
| Total domestic deposits to total assets | 84.3219% | 3,881 |
| Equity capital to assets | 15.0518% | 897 |
| Core capital (leverage) ratio | 15.0470% | 774 |
| Tier 1 risk-based capital ratio | 38.6394% | 273 |
| Total risk-based capital ratio | 38.8210% | 283 |
| Memoranda: | ||
| Average total assets | $540,252,000 | 1,281 |
| Average earning assets | $525,421,600 | 1,209 |
| Average equity | $82,437,800 | 785 |
| Average total loans | $307,434,000 | 1,557 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 5,542 |
| Cost of funding earning assets | 2.4826% | 1,359 |
| Net interest margin | 2.7930% | 7,073 |
| Noninterest income to average assets | 0.0477% | 7,663 |
| Noninterest expense to average assets | 1.0715% | 8,021 |
| Loan and lease loss provision to assets | 0.0027% | 7,276 |
| Net operating income to assets | 1.0920% | 1,760 |
| Return on assets (ROA) | 1.1120% | 1,759 |
| Pretax return on assets | 1.7213% | 929 |
| Return on Equity (ROE) | 7.2613% | 2,963 |
| Retained earnings to average equity (ytd only) | 7.2613% | 1,411 |
| Net charge-offs to loans | 0.0049% | 6,899 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 616.2993% | 48 |
| Efficiency ratio | 38.7554% | 7,945 |
| Assets per employee ($millions) | 8.7431% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1250% | 7,996 |
| Loan loss allowance to noncurrent loans | 96.8523% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 7,342 |
| Noncurrent loans to loans | 0.1290% | 7,155 |
| Net loans and leases to total assets | 58.0316% | 5,886 |
| Net loans and leases to deposits | 68.6194% | 6,073 |
| Net loans and leases to core deposits | 93.5831% | 5,062 |
| Total domestic deposits to total assets | 84.5703% | 3,443 |
| Equity capital to assets | 15.2374% | 943 |
| Core capital (leverage) ratio | 15.2301% | 814 |
| Tier 1 risk-based capital ratio | 39.5325% | 290 |
| Total risk-based capital ratio | 39.7210% | 303 |
| Memoranda: | ||
| Average total assets | $533,923,500 | 1,303 |
| Average earning assets | $519,434,750 | 1,229 |
| Average equity | $81,765,250 | 798 |
| Average total loans | $301,116,750 | 1,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 5,624 |
| Cost of funding earning assets | 2.4260% | 1,857 |
| Net interest margin | 2.8816% | 6,844 |
| Noninterest income to average assets | 0.0572% | 7,702 |
| Noninterest expense to average assets | 1.0453% | 8,117 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2008% | 1,472 |
| Return on assets (ROA) | 1.2243% | 1,491 |
| Pretax return on assets | 1.8490% | 775 |
| Return on Equity (ROE) | 7.9809% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.9809% | 1,212 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5647% | 8,063 |
| Assets per employee ($millions) | 8.7540% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1291% | 8,088 |
| Loan loss allowance to noncurrent loans | 110.4972% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 7,422 |
| Noncurrent loans to loans | 0.1169% | 7,227 |
| Net loans and leases to total assets | 56.9968% | 6,087 |
| Net loans and leases to deposits | 67.3785% | 6,257 |
| Net loans and leases to core deposits | 87.3268% | 5,783 |
| Total domestic deposits to total assets | 84.5920% | 3,450 |
| Equity capital to assets | 15.2260% | 979 |
| Core capital (leverage) ratio | 15.2232% | 874 |
| Tier 1 risk-based capital ratio | 39.4540% | 321 |
| Total risk-based capital ratio | 39.6450% | 333 |
| Memoranda: | ||
| Average total assets | $528,293,000 | 1,333 |
| Average earning assets | $513,599,670 | 1,259 |
| Average equity | $81,043,670 | 812 |
| Average total loans | $294,806,670 | 1,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 5,178 |
| Cost of funding earning assets | 2.5748% | 1,639 |
| Net interest margin | 2.8749% | 6,815 |
| Noninterest income to average assets | 0.0384% | 7,890 |
| Noninterest expense to average assets | 1.0862% | 8,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2446% | 1,524 |
| Return on assets (ROA) | 1.2751% | 1,544 |
| Pretax return on assets | 1.7894% | 996 |
| Return on Equity (ROE) | 8.2795% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.2795% | 1,715 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3469% | 8,079 |
| Assets per employee ($millions) | 8.8643% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1356% | 8,143 |
| Loan loss allowance to noncurrent loans | 82.3045% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 7,232 |
| Noncurrent loans to loans | 0.1648% | 7,054 |
| Net loans and leases to total assets | 55.3712% | 6,321 |
| Net loans and leases to deposits | 65.4829% | 6,422 |
| Net loans and leases to core deposits | 83.3708% | 6,107 |
| Total domestic deposits to total assets | 84.5582% | 3,433 |
| Equity capital to assets | 15.2444% | 1,029 |
| Core capital (leverage) ratio | 15.2434% | 913 |
| Tier 1 risk-based capital ratio | 39.8138% | 333 |
| Total risk-based capital ratio | 40.0102% | 339 |
| Memoranda: | ||
| Average total assets | $521,064,500 | 1,359 |
| Average earning assets | $506,453,000 | 1,277 |
| Average equity | $80,246,000 | 822 |
| Average total loans | $287,335,000 | 1,727 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 7,203 |
| Cost of funding earning assets | 3.3988% | 711 |
| Net interest margin | 2.1450% | 7,990 |
| Noninterest income to average assets | 0.0291% | 7,988 |
| Noninterest expense to average assets | 0.9168% | 8,220 |
| Loan and lease loss provision to assets | 0.0052% | 7,294 |
| Net operating income to assets | 0.7388% | 3,724 |
| Return on assets (ROA) | 0.7488% | 3,516 |
| Pretax return on assets | 1.2158% | 2,592 |
| Return on Equity (ROE) | 4.7649% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.7649% | 2,174 |
| Net charge-offs to loans | 0.0096% | 6,795 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 231.3077% | 206 |
| Efficiency ratio | 43.1998% | 8,033 |
| Assets per employee ($millions) | 8.5046% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1430% | 8,196 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,625 |
| Noncurrent loans to loans | 0.0107% | 7,507 |
| Net loans and leases to total assets | 54.7501% | 6,575 |
| Net loans and leases to deposits | 65.0986% | 6,707 |
| Net loans and leases to core deposits | 81.9815% | 6,465 |
| Total domestic deposits to total assets | 84.1034% | 3,273 |
| Equity capital to assets | 15.5630% | 1,035 |
| Core capital (leverage) ratio | 15.5645% | 913 |
| Tier 1 risk-based capital ratio | 40.8359% | 323 |
| Total risk-based capital ratio | 41.0416% | 338 |
| Memoranda: | ||
| Average total assets | $498,913,200 | 1,353 |
| Average earning assets | $486,847,800 | 1,264 |
| Average equity | $78,407,000 | 849 |
| Average total loans | $270,394,000 | 1,769 |