Home > PriorityOne Bank > Performance and Condition Ratios
PriorityOne 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 | 5.4052% | 1,303 |
| Cost of funding earning assets | 1.4625% | 2,044 |
| Net interest margin | 3.9427% | 1,286 |
| Noninterest income to average assets | 1.6200% | 355 |
| Noninterest expense to average assets | 3.2379% | 791 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 1.6534% | 787 |
| Return on assets (ROA) | 1.4440% | 1,098 |
| Pretax return on assets | 1.4440% | 1,545 |
| Return on Equity (ROE) | 15.3700% | 1,215 |
| Retained earnings to average equity (ytd only) | 15.3736% | 306 |
| Net charge-offs to loans | 0.0450% | 1,438 |
| Credit loss provision to net charge-offs | 605.6022% | 584 |
| Earnings coverage of net charge-offs (x) | 59.3585% | 1,195 |
| Efficiency ratio | 61.3211% | 2,936 |
| Assets per employee ($millions) | 4.4398% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,410 |
| Loan loss allowance to noncurrent loans | 396.9360% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 1,847 |
| Noncurrent loans to loans | 0.3511% | 1,928 |
| Net loans and leases to total assets | 77.3100% | 934 |
| Net loans and leases to deposits | 91.7043% | 1,122 |
| Net loans and leases to core deposits | 97.6728% | 1,559 |
| Total domestic deposits to total assets | 84.3100% | 2,534 |
| Equity capital to assets | 10.1676% | 1,908 |
| Core capital (leverage) ratio | 10.6196% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,037,591,200 | 954 |
| Average earning assets | $962,921,800 | 942 |
| Average equity | $97,459,200 | 963 |
| Average total loans | $792,988,800 | 869 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 1,375 |
| Cost of funding earning assets | 1.3329% | 2,051 |
| Net interest margin | 3.9069% | 1,381 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 3.2803% | 743 |
| Loan and lease loss provision to assets | 0.4600% | 172 |
| Net operating income to assets | 1.6517% | 859 |
| Return on assets (ROA) | 1.6046% | 929 |
| Pretax return on assets | 1.6046% | 1,345 |
| Return on Equity (ROE) | 17.4600% | 1,016 |
| Retained earnings to average equity (ytd only) | 17.4614% | 370 |
| Net charge-offs to loans | 0.0624% | 1,035 |
| Credit loss provision to net charge-offs | 348.7671% | 798 |
| Earnings coverage of net charge-offs (x) | 44.6767% | 1,384 |
| Efficiency ratio | 60.7826% | 2,878 |
| Assets per employee ($millions) | 4.5817% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,748 |
| Loan loss allowance to noncurrent loans | 376.5906% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,912 |
| Noncurrent loans to loans | 0.3527% | 1,960 |
| Net loans and leases to total assets | 76.4300% | 1,072 |
| Net loans and leases to deposits | 90.5225% | 1,195 |
| Net loans and leases to core deposits | 96.2238% | 1,541 |
| Total domestic deposits to total assets | 84.4400% | 2,653 |
| Equity capital to assets | 9.8079% | 1,936 |
| Core capital (leverage) ratio | 10.5987% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,027,269,500 | 964 |
| Average earning assets | $953,471,250 | 948 |
| Average equity | $94,400,000 | 983 |
| Average total loans | $779,757,000 | 877 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,454 |
| Cost of funding earning assets | 1.1508% | 2,128 |
| Net interest margin | 3.9035% | 1,423 |
| Noninterest income to average assets | 2.1100% | 229 |
| Noninterest expense to average assets | 3.2939% | 695 |
| Loan and lease loss provision to assets | 0.6200% | 118 |
| Net operating income to assets | 1.8246% | 628 |
| Return on assets (ROA) | 1.7532% | 713 |
| Pretax return on assets | 1.7532% | 1,106 |
| Return on Equity (ROE) | 19.5300% | 763 |
| Retained earnings to average equity (ytd only) | 19.5343% | 266 |
| Net charge-offs to loans | 0.0921% | 712 |
| Credit loss provision to net charge-offs | 232.0113% | 988 |
| Earnings coverage of net charge-offs (x) | 35.1388% | 1,477 |
| Efficiency ratio | 57.4506% | 3,262 |
| Assets per employee ($millions) | 4.5074% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,183 |
| Loan loss allowance to noncurrent loans | 339.1892% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,452 |
| Noncurrent loans to loans | 0.4420% | 1,616 |
| Net loans and leases to total assets | 75.1000% | 1,151 |
| Net loans and leases to deposits | 87.7594% | 1,365 |
| Net loans and leases to core deposits | 92.9434% | 1,627 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 9.3201% | 2,298 |
| Core capital (leverage) ratio | 10.0137% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,016,902,333 | 958 |
| Average earning assets | $944,026,000 | 950 |
| Average equity | $91,265,333 | 1,010 |
| Average total loans | $766,392,667 | 876 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,545 |
| Cost of funding earning assets | 1.0070% | 2,023 |
| Net interest margin | 3.8259% | 1,629 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 3.3439% | 661 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.1506% | 2,066 |
| Return on assets (ROA) | 1.1506% | 2,034 |
| Pretax return on assets | 1.1506% | 2,565 |
| Return on Equity (ROE) | 13.0800% | 1,967 |
| Retained earnings to average equity (ytd only) | 13.0770% | 1,080 |
| Net charge-offs to loans | -0.0101% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.5364% | 1,573 |
| Assets per employee ($millions) | 4.6653% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 937 |
| Loan loss allowance to noncurrent loans | 456.4628% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,662 |
| Noncurrent loans to loans | 0.3581% | 1,862 |
| Net loans and leases to total assets | 72.7500% | 1,347 |
| Net loans and leases to deposits | 82.3107% | 1,625 |
| Net loans and leases to core deposits | 86.8514% | 1,810 |
| Total domestic deposits to total assets | 88.3900% | 1,781 |
| Equity capital to assets | 8.6898% | 2,748 |
| Core capital (leverage) ratio | 9.4742% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,009,252,000 | 978 |
| Average earning assets | $938,247,000 | 968 |
| Average equity | $88,797,000 | 1,045 |
| Average total loans | $756,124,000 | 901 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 1,004 |
| Cost of funding earning assets | 0.3623% | 2,387 |
| Net interest margin | 3.9684% | 828 |
| Noninterest income to average assets | 1.3400% | 390 |
| Noninterest expense to average assets | 3.3466% | 586 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4617% | 976 |
| Return on assets (ROA) | 1.4432% | 984 |
| Pretax return on assets | 1.4432% | 1,649 |
| Return on Equity (ROE) | 16.3700% | 984 |
| Retained earnings to average equity (ytd only) | 11.9043% | 687 |
| Net charge-offs to loans | 0.1500% | 548 |
| Credit loss provision to net charge-offs | 184.3212% | 1,171 |
| Earnings coverage of net charge-offs (x) | 15.1501% | 2,010 |
| Efficiency ratio | 66.7889% | 2,111 |
| Assets per employee ($millions) | 4.4885% | 4,045 |
| Cash dividends to net income (ytd only)* | 27.2866% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,509 |
| Loan loss allowance to noncurrent loans | 422.6210% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 1,647 |
| Noncurrent loans to loans | 0.3308% | 1,966 |
| Net loans and leases to total assets | 74.8600% | 1,141 |
| Net loans and leases to deposits | 88.7187% | 1,127 |
| Net loans and leases to core deposits | 95.8914% | 1,213 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 8.9116% | 2,411 |
| Core capital (leverage) ratio | 9.4769% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $952,267,600 | 1,029 |
| Average earning assets | $880,382,400 | 1,015 |
| Average equity | $83,944,800 | 1,090 |
| Average total loans | $697,194,600 | 914 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 922 |
| Cost of funding earning assets | 0.2703% | 2,481 |
| Net interest margin | 3.9118% | 781 |
| Noninterest income to average assets | 1.3600% | 400 |
| Noninterest expense to average assets | 3.3617% | 545 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.4710% | 908 |
| Return on assets (ROA) | 1.4710% | 889 |
| Pretax return on assets | 1.4710% | 1,496 |
| Return on Equity (ROE) | 16.7300% | 851 |
| Retained earnings to average equity (ytd only) | 10.7058% | 1,132 |
| Net charge-offs to loans | 0.1920% | 347 |
| Credit loss provision to net charge-offs | 97.3604% | 1,349 |
| Earnings coverage of net charge-offs (x) | 11.5411% | 1,942 |
| Efficiency ratio | 67.6641% | 2,071 |
| Assets per employee ($millions) | 4.6852% | 3,920 |
| Cash dividends to net income (ytd only)* | 36.0265% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,086 |
| Loan loss allowance to noncurrent loans | 336.5682% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,546 |
| Noncurrent loans to loans | 0.3829% | 1,861 |
| Net loans and leases to total assets | 73.4800% | 1,141 |
| Net loans and leases to deposits | 86.3153% | 1,147 |
| Net loans and leases to core deposits | 89.1950% | 1,347 |
| Total domestic deposits to total assets | 85.1300% | 3,253 |
| Equity capital to assets | 8.4446% | 2,584 |
| Core capital (leverage) ratio | 9.4029% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $943,465,000 | 1,043 |
| Average earning assets | $870,994,250 | 1,036 |
| Average equity | $82,931,000 | 1,110 |
| Average total loans | $684,075,250 | 923 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 825 |
| Cost of funding earning assets | 0.2657% | 2,077 |
| Net interest margin | 3.8021% | 751 |
| Noninterest income to average assets | 1.3859% | 378 |
| Noninterest expense to average assets | 3.3637% | 502 |
| Loan and lease loss provision to assets | 0.0733% | 1,311 |
| Net operating income to assets | 1.4685% | 761 |
| Return on assets (ROA) | 1.4685% | 742 |
| Pretax return on assets | 1.4685% | 1,255 |
| Return on Equity (ROE) | 16.4736% | 638 |
| Retained earnings to average equity (ytd only) | 7.3809% | 1,858 |
| Net charge-offs to loans | 0.1923% | 336 |
| Credit loss provision to net charge-offs | 53.0516% | 1,482 |
| Earnings coverage of net charge-offs (x) | 11.1628% | 1,737 |
| Efficiency ratio | 68.5702% | 2,165 |
| Assets per employee ($millions) | 4.4224% | 4,136 |
| Cash dividends to net income (ytd only)* | 55.1958% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,997 |
| Loan loss allowance to noncurrent loans | 282.8163% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 1,478 |
| Noncurrent loans to loans | 0.4747% | 1,693 |
| Net loans and leases to total assets | 70.8854% | 1,213 |
| Net loans and leases to deposits | 79.8529% | 1,400 |
| Net loans and leases to core deposits | 82.7762% | 1,534 |
| Total domestic deposits to total assets | 88.7700% | 2,272 |
| Equity capital to assets | 8.4200% | 2,823 |
| Core capital (leverage) ratio | 9.1278% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $925,302,000 | 1,055 |
| Average earning assets | $856,530,333 | 1,057 |
| Average equity | $82,483,667 | 1,126 |
| Average total loans | $664,488,000 | 936 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 672 |
| Cost of funding earning assets | 0.2838% | 1,781 |
| Net interest margin | 3.7839% | 654 |
| Noninterest income to average assets | 1.3370% | 412 |
| Noninterest expense to average assets | 3.5430% | 408 |
| Loan and lease loss provision to assets | 0.0751% | 1,102 |
| Net operating income to assets | 1.2222% | 1,192 |
| Return on assets (ROA) | 1.2222% | 1,176 |
| Pretax return on assets | 1.2222% | 1,726 |
| Return on Equity (ROE) | 13.3177% | 973 |
| Retained earnings to average equity (ytd only) | 2.7328% | 3,354 |
| Net charge-offs to loans | 0.0166% | 1,202 |
| Credit loss provision to net charge-offs | 629.6296% | 455 |
| Earnings coverage of net charge-offs (x) | 108.8148% | 651 |
| Efficiency ratio | 73.1983% | 1,831 |
| Assets per employee ($millions) | 4.2204% | 4,291 |
| Cash dividends to net income (ytd only)* | 79.4798% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,637 |
| Loan loss allowance to noncurrent loans | 269.3392% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 1,412 |
| Noncurrent loans to loans | 0.5473% | 1,667 |
| Net loans and leases to total assets | 71.0979% | 916 |
| Net loans and leases to deposits | 80.6368% | 1,098 |
| Net loans and leases to core deposits | 83.7457% | 1,255 |
| Total domestic deposits to total assets | 88.1706% | 2,448 |
| Equity capital to assets | 8.9180% | 2,786 |
| Core capital (leverage) ratio | 9.4268% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $905,911,500 | 1,074 |
| Average earning assets | $838,710,500 | 1,080 |
| Average equity | $83,137,500 | 1,157 |
| Average total loans | $650,385,500 | 948 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 695 |
| Cost of funding earning assets | 0.4501% | 1,199 |
| Net interest margin | 3.9680% | 753 |
| Noninterest income to average assets | 1.7854% | 368 |
| Noninterest expense to average assets | 3.4989% | 474 |
| Loan and lease loss provision to assets | 0.2604% | 344 |
| Net operating income to assets | 1.6809% | 663 |
| Return on assets (ROA) | 1.6809% | 690 |
| Pretax return on assets | 1.6809% | 1,199 |
| Return on Equity (ROE) | 17.2882% | 546 |
| Retained earnings to average equity (ytd only) | 6.7853% | 2,007 |
| Net charge-offs to loans | 0.0167% | 1,959 |
| Credit loss provision to net charge-offs | 2,135.9223% | 297 |
| Earnings coverage of net charge-offs (x) | 159.2427% | 630 |
| Efficiency ratio | 64.3156% | 2,510 |
| Assets per employee ($millions) | 4.0727% | 4,400 |
| Cash dividends to net income (ytd only)* | 60.7520% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,556 |
| Loan loss allowance to noncurrent loans | 259.9946% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,583 |
| Noncurrent loans to loans | 0.5770% | 1,700 |
| Net loans and leases to total assets | 70.3459% | 1,006 |
| Net loans and leases to deposits | 83.1026% | 979 |
| Net loans and leases to core deposits | 86.0248% | 1,200 |
| Total domestic deposits to total assets | 84.6494% | 3,381 |
| Equity capital to assets | 9.4422% | 3,192 |
| Core capital (leverage) ratio | 9.6660% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $844,902,800 | 1,096 |
| Average earning assets | $778,210,000 | 1,116 |
| Average equity | $82,148,600 | 1,175 |
| Average total loans | $618,222,600 | 977 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 644 |
| Cost of funding earning assets | 0.4834% | 1,142 |
| Net interest margin | 4.0432% | 723 |
| Noninterest income to average assets | 1.8729% | 377 |
| Noninterest expense to average assets | 3.5540% | 427 |
| Loan and lease loss provision to assets | 0.3044% | 263 |
| Net operating income to assets | 1.7305% | 773 |
| Return on assets (ROA) | 1.7305% | 808 |
| Pretax return on assets | 1.7305% | 1,332 |
| Return on Equity (ROE) | 17.6606% | 670 |
| Retained earnings to average equity (ytd only) | 3.5517% | 3,729 |
| Net charge-offs to loans | 0.0209% | 1,632 |
| Credit loss provision to net charge-offs | 1,979.1667% | 335 |
| Earnings coverage of net charge-offs (x) | 132.2917% | 730 |
| Efficiency ratio | 63.5905% | 2,451 |
| Assets per employee ($millions) | 3.9543% | 4,473 |
| Cash dividends to net income (ytd only)* | 79.8889% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,590 |
| Loan loss allowance to noncurrent loans | 320.7099% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 2,043 |
| Noncurrent loans to loans | 0.4713% | 2,146 |
| Net loans and leases to total assets | 70.9939% | 989 |
| Net loans and leases to deposits | 81.9783% | 1,120 |
| Net loans and leases to core deposits | 85.1592% | 1,342 |
| Total domestic deposits to total assets | 86.6009% | 2,506 |
| Equity capital to assets | 9.5956% | 3,291 |
| Core capital (leverage) ratio | 9.4851% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $832,129,250 | 1,126 |
| Average earning assets | $764,782,750 | 1,140 |
| Average equity | $81,535,250 | 1,202 |
| Average total loans | $612,804,250 | 1,007 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 568 |
| Cost of funding earning assets | 0.5202% | 1,092 |
| Net interest margin | 4.1399% | 642 |
| Noninterest income to average assets | 1.5679% | 504 |
| Noninterest expense to average assets | 3.4971% | 471 |
| Loan and lease loss provision to assets | 0.1455% | 825 |
| Net operating income to assets | 1.7248% | 835 |
| Return on assets (ROA) | 1.7248% | 882 |
| Pretax return on assets | 1.7248% | 1,422 |
| Return on Equity (ROE) | 17.4779% | 724 |
| Retained earnings to average equity (ytd only) | 2.9363% | 3,857 |
| Net charge-offs to loans | 0.0526% | 1,091 |
| Credit loss provision to net charge-offs | 372.6708% | 797 |
| Earnings coverage of net charge-offs (x) | 47.9068% | 1,086 |
| Efficiency ratio | 65.1547% | 2,275 |
| Assets per employee ($millions) | 3.7849% | 4,560 |
| Cash dividends to net income (ytd only)* | 83.1998% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,561 |
| Loan loss allowance to noncurrent loans | 193.5657% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 1,686 |
| Noncurrent loans to loans | 0.6585% | 1,771 |
| Net loans and leases to total assets | 72.8768% | 865 |
| Net loans and leases to deposits | 84.0416% | 1,066 |
| Net loans and leases to core deposits | 87.3389% | 1,322 |
| Total domestic deposits to total assets | 86.7151% | 2,465 |
| Equity capital to assets | 9.5906% | 3,259 |
| Core capital (leverage) ratio | 9.5478% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $824,795,333 | 1,126 |
| Average earning assets | $756,972,000 | 1,143 |
| Average equity | $81,394,000 | 1,197 |
| Average total loans | $611,843,000 | 1,010 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 592 |
| Cost of funding earning assets | 0.5442% | 1,144 |
| Net interest margin | 4.1295% | 693 |
| Noninterest income to average assets | 1.6031% | 542 |
| Noninterest expense to average assets | 3.3308% | 579 |
| Loan and lease loss provision to assets | 0.1472% | 890 |
| Net operating income to assets | 1.9230% | 635 |
| Return on assets (ROA) | 1.9230% | 681 |
| Pretax return on assets | 1.9230% | 1,074 |
| Return on Equity (ROE) | 19.2067% | 603 |
| Retained earnings to average equity (ytd only) | 19.2067% | 305 |
| Net charge-offs to loans | 0.0271% | 1,226 |
| Credit loss provision to net charge-offs | 731.7073% | 504 |
| Earnings coverage of net charge-offs (x) | 102.9024% | 609 |
| Efficiency ratio | 61.6698% | 2,810 |
| Assets per employee ($millions) | 3.9858% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,629 |
| Loan loss allowance to noncurrent loans | 151.8091% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 1,542 |
| Noncurrent loans to loans | 0.8282% | 1,614 |
| Net loans and leases to total assets | 72.4852% | 957 |
| Net loans and leases to deposits | 84.1075% | 1,134 |
| Net loans and leases to core deposits | 87.7793% | 1,388 |
| Total domestic deposits to total assets | 86.1817% | 2,671 |
| Equity capital to assets | 9.9231% | 2,773 |
| Core capital (leverage) ratio | 10.2944% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $815,180,500 | 1,123 |
| Average earning assets | $749,730,000 | 1,142 |
| Average equity | $81,617,500 | 1,189 |
| Average total loans | $606,244,500 | 1,013 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 637 |
| Cost of funding earning assets | 0.8052% | 1,185 |
| Net interest margin | 4.0653% | 844 |
| Noninterest income to average assets | 1.6350% | 468 |
| Noninterest expense to average assets | 3.4756% | 717 |
| Loan and lease loss provision to assets | 0.3044% | 1,236 |
| Net operating income to assets | 1.5694% | 683 |
| Return on assets (ROA) | 1.5694% | 744 |
| Pretax return on assets | 1.5694% | 1,135 |
| Return on Equity (ROE) | 15.4019% | 581 |
| Retained earnings to average equity (ytd only) | 4.4542% | 2,562 |
| Net charge-offs to loans | 0.0096% | 2,975 |
| Credit loss provision to net charge-offs | 4,259.2593% | 247 |
| Earnings coverage of net charge-offs (x) | 262.1667% | 378 |
| Efficiency ratio | 64.9718% | 2,684 |
| Assets per employee ($millions) | 3.7768% | 4,522 |
| Cash dividends to net income (ytd only)* | 71.0804% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,616 |
| Loan loss allowance to noncurrent loans | 181.8028% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 1,911 |
| Noncurrent loans to loans | 0.6935% | 1,952 |
| Net loans and leases to total assets | 74.4429% | 965 |
| Net loans and leases to deposits | 87.3376% | 1,147 |
| Net loans and leases to core deposits | 94.3224% | 1,225 |
| Total domestic deposits to total assets | 85.2358% | 2,673 |
| Equity capital to assets | 10.1071% | 3,025 |
| Core capital (leverage) ratio | 9.9821% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $755,516,200 | 1,101 |
| Average earning assets | $690,301,200 | 1,115 |
| Average equity | $76,984,000 | 1,194 |
| Average total loans | $560,679,200 | 1,041 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 621 |
| Cost of funding earning assets | 0.8610% | 1,208 |
| Net interest margin | 4.1233% | 853 |
| Noninterest income to average assets | 1.5856% | 472 |
| Noninterest expense to average assets | 3.4076% | 793 |
| Loan and lease loss provision to assets | 0.2142% | 1,877 |
| Net operating income to assets | 1.7253% | 548 |
| Return on assets (ROA) | 1.7253% | 607 |
| Pretax return on assets | 1.7253% | 917 |
| Return on Equity (ROE) | 16.8959% | 456 |
| Retained earnings to average equity (ytd only) | 2.1655% | 3,869 |
| Net charge-offs to loans | 0.0159% | 2,563 |
| Credit loss provision to net charge-offs | 1,818.1818% | 523 |
| Earnings coverage of net charge-offs (x) | 164.6515% | 564 |
| Efficiency ratio | 63.7283% | 2,781 |
| Assets per employee ($millions) | 3.9474% | 4,353 |
| Cash dividends to net income (ytd only)* | 87.1832% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,180 |
| Loan loss allowance to noncurrent loans | 170.6998% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,263 |
| Noncurrent loans to loans | 0.6477% | 2,170 |
| Net loans and leases to total assets | 72.7676% | 1,542 |
| Net loans and leases to deposits | 85.3666% | 1,768 |
| Net loans and leases to core deposits | 91.8222% | 1,812 |
| Total domestic deposits to total assets | 85.2413% | 2,341 |
| Equity capital to assets | 9.7847% | 3,445 |
| Core capital (leverage) ratio | 9.7015% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $747,056,500 | 1,097 |
| Average earning assets | $681,514,750 | 1,111 |
| Average equity | $76,284,750 | 1,200 |
| Average total loans | $552,068,500 | 1,047 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 585 |
| Cost of funding earning assets | 0.9262% | 1,256 |
| Net interest margin | 4.2647% | 807 |
| Noninterest income to average assets | 1.4440% | 503 |
| Noninterest expense to average assets | 3.4967% | 751 |
| Loan and lease loss provision to assets | 0.1634% | 2,367 |
| Net operating income to assets | 1.6747% | 642 |
| Return on assets (ROA) | 1.6747% | 700 |
| Pretax return on assets | 1.6747% | 1,043 |
| Return on Equity (ROE) | 16.1594% | 535 |
| Retained earnings to average equity (ytd only) | 7.4857% | 1,470 |
| Net charge-offs to loans | 0.0802% | 1,446 |
| Credit loss provision to net charge-offs | 275.2294% | 1,682 |
| Earnings coverage of net charge-offs (x) | 30.9541% | 1,409 |
| Efficiency ratio | 65.5451% | 2,580 |
| Assets per employee ($millions) | 4.0762% | 4,232 |
| Cash dividends to net income (ytd only)* | 53.6760% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,588 |
| Loan loss allowance to noncurrent loans | 210.6049% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 2,321 |
| Noncurrent loans to loans | 0.4739% | 2,728 |
| Net loans and leases to total assets | 71.8563% | 1,739 |
| Net loans and leases to deposits | 84.5516% | 1,934 |
| Net loans and leases to core deposits | 90.9077% | 1,995 |
| Total domestic deposits to total assets | 84.9851% | 2,405 |
| Equity capital to assets | 10.0744% | 3,137 |
| Core capital (leverage) ratio | 10.1938% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $734,228,000 | 1,100 |
| Average earning assets | $669,868,667 | 1,111 |
| Average equity | $76,092,000 | 1,190 |
| Average total loans | $543,421,000 | 1,047 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 770 |
| Cost of funding earning assets | 0.9841% | 1,491 |
| Net interest margin | 4.1324% | 1,071 |
| Noninterest income to average assets | 1.6128% | 350 |
| Noninterest expense to average assets | 3.5828% | 826 |
| Loan and lease loss provision to assets | 0.1685% | 1,741 |
| Net operating income to assets | 1.6358% | 580 |
| Return on assets (ROA) | 1.6358% | 640 |
| Pretax return on assets | 1.6358% | 981 |
| Return on Equity (ROE) | 15.5470% | 477 |
| Retained earnings to average equity (ytd only) | -2.0715% | 4,263 |
| Net charge-offs to loans | 0.0924% | 1,140 |
| Credit loss provision to net charge-offs | 243.9024% | 1,304 |
| Earnings coverage of net charge-offs (x) | 26.1138% | 1,264 |
| Efficiency ratio | 66.5068% | 2,886 |
| Assets per employee ($millions) | 3.7303% | 4,246 |
| Cash dividends to net income (ytd only)* | 113.3242% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,620 |
| Loan loss allowance to noncurrent loans | 137.5253% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 1,896 |
| Noncurrent loans to loans | 0.7389% | 2,154 |
| Net loans and leases to total assets | 72.7802% | 1,807 |
| Net loans and leases to deposits | 86.3258% | 1,959 |
| Net loans and leases to core deposits | 93.2036% | 2,045 |
| Total domestic deposits to total assets | 84.3088% | 2,668 |
| Equity capital to assets | 10.2729% | 3,542 |
| Core capital (leverage) ratio | 10.5459% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $712,068,500 | 1,098 |
| Average earning assets | $650,373,000 | 1,109 |
| Average equity | $74,921,000 | 1,203 |
| Average total loans | $532,594,000 | 1,042 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 821 |
| Cost of funding earning assets | 1.1045% | 1,307 |
| Net interest margin | 4.1916% | 1,335 |
| Noninterest income to average assets | 1.7358% | 328 |
| Noninterest expense to average assets | 3.7498% | 714 |
| Loan and lease loss provision to assets | 0.2964% | 571 |
| Net operating income to assets | 1.4729% | 1,117 |
| Return on assets (ROA) | 1.4729% | 1,183 |
| Pretax return on assets | 1.4729% | 1,894 |
| Return on Equity (ROE) | 13.5469% | 992 |
| Retained earnings to average equity (ytd only) | 0.9391% | 4,402 |
| Net charge-offs to loans | 0.4151% | 469 |
| Credit loss provision to net charge-offs | 92.6784% | 2,619 |
| Earnings coverage of net charge-offs (x) | 5.5324% | 3,072 |
| Efficiency ratio | 67.9421% | 2,469 |
| Assets per employee ($millions) | 3.4492% | 4,521 |
| Cash dividends to net income (ytd only)* | 93.0677% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,570 |
| Loan loss allowance to noncurrent loans | 100.6123% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,366 |
| Noncurrent loans to loans | 0.9854% | 1,548 |
| Net loans and leases to total assets | 75.3644% | 1,529 |
| Net loans and leases to deposits | 90.8061% | 1,504 |
| Net loans and leases to core deposits | 97.9183% | 1,736 |
| Total domestic deposits to total assets | 82.9949% | 3,195 |
| Equity capital to assets | 10.7813% | 3,203 |
| Core capital (leverage) ratio | 10.7902% | 2,684 |
| Tier 1 risk-based capital ratio | 14.1525% | 3,184 |
| Total risk-based capital ratio | 15.1512% | 3,227 |
| Memoranda: | ||
| Average total assets | $674,783,600 | 1,112 |
| Average earning assets | $609,049,600 | 1,129 |
| Average equity | $73,367,200 | 1,176 |
| Average total loans | $519,908,000 | 1,040 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 787 |
| Cost of funding earning assets | 1.1029% | 1,341 |
| Net interest margin | 4.2419% | 1,276 |
| Noninterest income to average assets | 1.7112% | 333 |
| Noninterest expense to average assets | 3.7121% | 740 |
| Loan and lease loss provision to assets | 0.2988% | 493 |
| Net operating income to assets | 1.5174% | 1,143 |
| Return on assets (ROA) | 1.5174% | 1,199 |
| Pretax return on assets | 1.5174% | 1,905 |
| Return on Equity (ROE) | 13.9254% | 1,000 |
| Retained earnings to average equity (ytd only) | -2.9854% | 4,991 |
| Net charge-offs to loans | 0.5578% | 300 |
| Credit loss provision to net charge-offs | 69.3161% | 2,628 |
| Earnings coverage of net charge-offs (x) | 4.2130% | 3,032 |
| Efficiency ratio | 67.1471% | 2,560 |
| Assets per employee ($millions) | 3.4736% | 4,524 |
| Cash dividends to net income (ytd only)* | 121.4389% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,006 |
| Loan loss allowance to noncurrent loans | 155.6174% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 1,455 |
| Noncurrent loans to loans | 0.5836% | 2,536 |
| Net loans and leases to total assets | 75.3748% | 1,589 |
| Net loans and leases to deposits | 90.6914% | 1,608 |
| Net loans and leases to core deposits | 98.2699% | 1,803 |
| Total domestic deposits to total assets | 83.1112% | 3,126 |
| Equity capital to assets | 10.4750% | 3,562 |
| Core capital (leverage) ratio | 10.4447% | 3,152 |
| Tier 1 risk-based capital ratio | 13.7717% | 3,436 |
| Total risk-based capital ratio | 14.6871% | 3,514 |
| Memoranda: | ||
| Average total assets | $669,295,500 | 1,115 |
| Average earning assets | $602,261,750 | 1,136 |
| Average equity | $72,929,750 | 1,173 |
| Average total loans | $517,297,750 | 1,046 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 808 |
| Cost of funding earning assets | 1.0612% | 1,447 |
| Net interest margin | 4.2441% | 1,256 |
| Noninterest income to average assets | 1.6033% | 357 |
| Noninterest expense to average assets | 3.7745% | 682 |
| Loan and lease loss provision to assets | 0.2714% | 553 |
| Net operating income to assets | 1.3762% | 1,494 |
| Return on assets (ROA) | 1.3762% | 1,556 |
| Pretax return on assets | 1.3762% | 2,282 |
| Return on Equity (ROE) | 12.4630% | 1,425 |
| Retained earnings to average equity (ytd only) | -4.6077% | 5,046 |
| Net charge-offs to loans | 0.5786% | 263 |
| Credit loss provision to net charge-offs | 60.3622% | 2,400 |
| Earnings coverage of net charge-offs (x) | 3.6640% | 2,809 |
| Efficiency ratio | 69.6129% | 2,291 |
| Assets per employee ($millions) | 3.3951% | 4,610 |
| Cash dividends to net income (ytd only)* | 136.9713% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,972 |
| Loan loss allowance to noncurrent loans | 124.0741% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2756% | 1,010 |
| Noncurrent loans to loans | 0.7476% | 2,117 |
| Net loans and leases to total assets | 76.6467% | 1,442 |
| Net loans and leases to deposits | 94.0604% | 1,255 |
| Net loans and leases to core deposits | 100.9591% | 1,636 |
| Total domestic deposits to total assets | 81.4866% | 3,669 |
| Equity capital to assets | 10.7081% | 3,339 |
| Core capital (leverage) ratio | 10.6903% | 2,898 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,520 |
| Total risk-based capital ratio | 14.5352% | 3,599 |
| Memoranda: | ||
| Average total assets | $663,133,330 | 1,126 |
| Average earning assets | $596,694,000 | 1,145 |
| Average equity | $73,224,670 | 1,166 |
| Average total loans | $515,342,000 | 1,045 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 991 |
| Cost of funding earning assets | 0.9984% | 1,568 |
| Net interest margin | 4.1574% | 1,411 |
| Noninterest income to average assets | 1.4674% | 403 |
| Noninterest expense to average assets | 3.6703% | 778 |
| Loan and lease loss provision to assets | 0.1822% | 902 |
| Net operating income to assets | 1.3957% | 1,392 |
| Return on assets (ROA) | 1.3957% | 1,423 |
| Pretax return on assets | 1.3957% | 2,099 |
| Return on Equity (ROE) | 12.4477% | 1,399 |
| Retained earnings to average equity (ytd only) | 2.9684% | 3,743 |
| Net charge-offs to loans | 0.1583% | 849 |
| Credit loss provision to net charge-offs | 147.7833% | 1,256 |
| Earnings coverage of net charge-offs (x) | 12.7980% | 1,856 |
| Efficiency ratio | 69.9340% | 2,352 |
| Assets per employee ($millions) | 3.4273% | 4,629 |
| Cash dividends to net income (ytd only)* | 76.1532% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,292 |
| Loan loss allowance to noncurrent loans | 103.1437% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 1,161 |
| Noncurrent loans to loans | 1.0380% | 1,609 |
| Net loans and leases to total assets | 76.2088% | 1,445 |
| Net loans and leases to deposits | 93.0919% | 1,272 |
| Net loans and leases to core deposits | 100.3009% | 1,594 |
| Total domestic deposits to total assets | 81.8640% | 3,760 |
| Equity capital to assets | 11.0918% | 2,755 |
| Core capital (leverage) ratio | 11.1644% | 2,416 |
| Tier 1 risk-based capital ratio | 14.2919% | 3,196 |
| Total risk-based capital ratio | 15.3623% | 3,210 |
| Memoranda: | ||
| Average total assets | $658,580,500 | 1,139 |
| Average earning assets | $598,933,500 | 1,144 |
| Average equity | $73,845,000 | 1,149 |
| Average total loans | $512,976,500 | 1,051 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 1,210 |
| Cost of funding earning assets | 0.6835% | 2,188 |
| Net interest margin | 4.2436% | 1,295 |
| Noninterest income to average assets | 1.8424% | 301 |
| Noninterest expense to average assets | 4.0292% | 513 |
| Loan and lease loss provision to assets | 0.1408% | 1,529 |
| Net operating income to assets | 1.5552% | 978 |
| Return on assets (ROA) | 1.5865% | 892 |
| Pretax return on assets | 1.5865% | 1,507 |
| Return on Equity (ROE) | 14.2830% | 983 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,099 |
| Net charge-offs to loans | 0.2665% | 725 |
| Credit loss provision to net charge-offs | 68.1818% | 3,016 |
| Earnings coverage of net charge-offs (x) | 8.2136% | 2,917 |
| Efficiency ratio | 70.3770% | 2,125 |
| Assets per employee ($millions) | 3.2605% | 4,775 |
| Cash dividends to net income (ytd only)* | 69.0199% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,323 |
| Loan loss allowance to noncurrent loans | 97.0430% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 1,025 |
| Noncurrent loans to loans | 1.0917% | 1,492 |
| Net loans and leases to total assets | 77.9401% | 1,279 |
| Net loans and leases to deposits | 97.4742% | 941 |
| Net loans and leases to core deposits | 105.1668% | 1,328 |
| Total domestic deposits to total assets | 79.9597% | 4,115 |
| Equity capital to assets | 11.3373% | 2,380 |
| Core capital (leverage) ratio | 11.1938% | 2,362 |
| Tier 1 risk-based capital ratio | 14.3752% | 3,128 |
| Total risk-based capital ratio | 15.4413% | 3,136 |
| Memoranda: | ||
| Average total assets | $639,281,000 | 1,137 |
| Average earning assets | $584,926,600 | 1,144 |
| Average equity | $71,007,400 | 1,147 |
| Average total loans | $495,274,200 | 1,060 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,337 |
| Cost of funding earning assets | 0.6214% | 2,323 |
| Net interest margin | 4.2114% | 1,323 |
| Noninterest income to average assets | 1.8217% | 317 |
| Noninterest expense to average assets | 3.9702% | 543 |
| Loan and lease loss provision to assets | 0.0942% | 2,093 |
| Net operating income to assets | 1.6235% | 915 |
| Return on assets (ROA) | 1.6612% | 820 |
| Pretax return on assets | 1.6612% | 1,377 |
| Return on Equity (ROE) | 15.0347% | 872 |
| Retained earnings to average equity (ytd only) | 1.7716% | 4,649 |
| Net charge-offs to loans | 0.2578% | 649 |
| Credit loss provision to net charge-offs | 47.3684% | 2,853 |
| Earnings coverage of net charge-offs (x) | 8.6368% | 2,686 |
| Efficiency ratio | 69.8013% | 2,230 |
| Assets per employee ($millions) | 3.1578% | 4,924 |
| Cash dividends to net income (ytd only)* | 88.2167% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,498 |
| Loan loss allowance to noncurrent loans | 122.1662% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 1,273 |
| Noncurrent loans to loans | 0.8551% | 1,991 |
| Net loans and leases to total assets | 77.3089% | 1,448 |
| Net loans and leases to deposits | 95.5121% | 1,206 |
| Net loans and leases to core deposits | 103.1323% | 1,521 |
| Total domestic deposits to total assets | 80.9416% | 3,883 |
| Equity capital to assets | 10.8505% | 2,800 |
| Core capital (leverage) ratio | 10.8856% | 2,686 |
| Tier 1 risk-based capital ratio | 13.6592% | 3,538 |
| Total risk-based capital ratio | 14.6888% | 3,579 |
| Memoranda: | ||
| Average total assets | $636,891,500 | 1,140 |
| Average earning assets | $584,685,250 | 1,144 |
| Average equity | $70,369,000 | 1,152 |
| Average total loans | $491,312,500 | 1,065 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 1,439 |
| Cost of funding earning assets | 0.5749% | 2,402 |
| Net interest margin | 4.1497% | 1,414 |
| Noninterest income to average assets | 1.7595% | 335 |
| Noninterest expense to average assets | 3.9639% | 559 |
| Loan and lease loss provision to assets | 0.0950% | 2,030 |
| Net operating income to assets | 1.5127% | 1,125 |
| Return on assets (ROA) | 1.5698% | 994 |
| Pretax return on assets | 1.5698% | 1,604 |
| Return on Equity (ROE) | 14.1202% | 1,046 |
| Retained earnings to average equity (ytd only) | -0.1282% | 4,978 |
| Net charge-offs to loans | 0.1840% | 856 |
| Credit loss provision to net charge-offs | 67.2646% | 2,377 |
| Earnings coverage of net charge-offs (x) | 11.3789% | 2,277 |
| Efficiency ratio | 71.1435% | 2,135 |
| Assets per employee ($millions) | 3.1250% | 4,993 |
| Cash dividends to net income (ytd only)* | 100.9082% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,016 |
| Loan loss allowance to noncurrent loans | 129.0835% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 1,315 |
| Noncurrent loans to loans | 0.8861% | 1,953 |
| Net loans and leases to total assets | 76.7629% | 1,515 |
| Net loans and leases to deposits | 93.4647% | 1,422 |
| Net loans and leases to core deposits | 100.1375% | 1,729 |
| Total domestic deposits to total assets | 82.1304% | 3,672 |
| Equity capital to assets | 10.9423% | 2,689 |
| Core capital (leverage) ratio | 10.9926% | 2,533 |
| Tier 1 risk-based capital ratio | 13.7691% | 3,468 |
| Total risk-based capital ratio | 14.8921% | 3,452 |
| Memoranda: | ||
| Average total assets | $631,301,000 | 1,152 |
| Average earning assets | $579,944,000 | 1,160 |
| Average equity | $70,183,330 | 1,155 |
| Average total loans | $484,858,330 | 1,079 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,410 |
| Cost of funding earning assets | 0.5542% | 2,367 |
| Net interest margin | 4.1045% | 1,427 |
| Noninterest income to average assets | 1.7184% | 337 |
| Noninterest expense to average assets | 3.7840% | 690 |
| Loan and lease loss provision to assets | 0.0957% | 1,917 |
| Net operating income to assets | 1.6156% | 825 |
| Return on assets (ROA) | 1.6073% | 848 |
| Pretax return on assets | 1.6073% | 1,376 |
| Return on Equity (ROE) | 14.3423% | 941 |
| Retained earnings to average equity (ytd only) | 2.9505% | 4,016 |
| Net charge-offs to loans | -0.0418% | 4,887 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8582% | 2,690 |
| Assets per employee ($millions) | 3.2390% | 4,962 |
| Cash dividends to net income (ytd only)* | 79.4281% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,531 |
| Loan loss allowance to noncurrent loans | 134.6720% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0152% | 1,549 |
| Noncurrent loans to loans | 0.9266% | 1,963 |
| Net loans and leases to total assets | 74.8624% | 1,733 |
| Net loans and leases to deposits | 91.0368% | 1,556 |
| Net loans and leases to core deposits | 97.2639% | 1,882 |
| Total domestic deposits to total assets | 82.2331% | 3,892 |
| Equity capital to assets | 11.0588% | 2,524 |
| Core capital (leverage) ratio | 11.2490% | 2,209 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,227 |
| Total risk-based capital ratio | 15.5276% | 3,158 |
| Memoranda: | ||
| Average total assets | $626,643,000 | 1,171 |
| Average earning assets | $576,641,000 | 1,176 |
| Average equity | $70,226,000 | 1,168 |
| Average total loans | $478,564,500 | 1,100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,454 |
| Cost of funding earning assets | 0.4562% | 2,714 |
| Net interest margin | 4.1370% | 1,332 |
| Noninterest income to average assets | 1.7422% | 363 |
| Noninterest expense to average assets | 3.6916% | 804 |
| Loan and lease loss provision to assets | 0.0899% | 2,393 |
| Net operating income to assets | 1.7615% | 468 |
| Return on assets (ROA) | 1.7633% | 470 |
| Pretax return on assets | 1.7633% | 869 |
| Return on Equity (ROE) | 15.9866% | 485 |
| Retained earnings to average equity (ytd only) | 4.1249% | 2,693 |
| Net charge-offs to loans | 0.2944% | 887 |
| Credit loss provision to net charge-offs | 40.8315% | 3,434 |
| Earnings coverage of net charge-offs (x) | 8.4046% | 2,917 |
| Efficiency ratio | 66.5988% | 3,149 |
| Assets per employee ($millions) | 3.1228% | 5,106 |
| Cash dividends to net income (ytd only)* | 74.1977% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,585 |
| Loan loss allowance to noncurrent loans | 92.3844% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 1,077 |
| Noncurrent loans to loans | 1.3342% | 1,306 |
| Net loans and leases to total assets | 76.0032% | 1,592 |
| Net loans and leases to deposits | 93.5533% | 1,324 |
| Net loans and leases to core deposits | 99.7674% | 1,730 |
| Total domestic deposits to total assets | 81.2406% | 4,064 |
| Equity capital to assets | 11.3602% | 2,317 |
| Core capital (leverage) ratio | 11.3807% | 2,032 |
| Tier 1 risk-based capital ratio | 14.2175% | 3,241 |
| Total risk-based capital ratio | 15.4084% | 3,178 |
| Memoranda: | ||
| Average total assets | $611,467,200 | 1,172 |
| Average earning assets | $561,782,600 | 1,181 |
| Average equity | $67,444,000 | 1,185 |
| Average total loans | $457,552,200 | 1,107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,490 |
| Cost of funding earning assets | 0.4444% | 2,765 |
| Net interest margin | 4.1102% | 1,369 |
| Noninterest income to average assets | 1.7506% | 382 |
| Noninterest expense to average assets | 3.6240% | 840 |
| Loan and lease loss provision to assets | 0.1005% | 2,103 |
| Net operating income to assets | 1.8008% | 467 |
| Return on assets (ROA) | 1.8062% | 474 |
| Pretax return on assets | 1.8062% | 878 |
| Return on Equity (ROE) | 16.5003% | 479 |
| Retained earnings to average equity (ytd only) | 0.5406% | 5,099 |
| Net charge-offs to loans | 0.2845% | 761 |
| Credit loss provision to net charge-offs | 47.5207% | 2,939 |
| Earnings coverage of net charge-offs (x) | 8.9938% | 2,728 |
| Efficiency ratio | 65.5903% | 3,278 |
| Assets per employee ($millions) | 3.1785% | 5,096 |
| Cash dividends to net income (ytd only)* | 96.7235% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 2,231 |
| Loan loss allowance to noncurrent loans | 138.0834% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 1,685 |
| Noncurrent loans to loans | 0.9607% | 2,003 |
| Net loans and leases to total assets | 73.4923% | 2,003 |
| Net loans and leases to deposits | 90.4040% | 1,759 |
| Net loans and leases to core deposits | 95.6485% | 2,115 |
| Total domestic deposits to total assets | 81.2932% | 3,972 |
| Equity capital to assets | 10.8364% | 3,026 |
| Core capital (leverage) ratio | 10.9882% | 2,474 |
| Tier 1 risk-based capital ratio | 14.0073% | 3,435 |
| Total risk-based capital ratio | 15.2576% | 3,353 |
| Memoranda: | ||
| Average total assets | $610,535,500 | 1,185 |
| Average earning assets | $560,702,000 | 1,192 |
| Average equity | $66,833,250 | 1,201 |
| Average total loans | $453,589,750 | 1,124 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,456 |
| Cost of funding earning assets | 0.4309% | 2,797 |
| Net interest margin | 4.0933% | 1,341 |
| Noninterest income to average assets | 1.7062% | 397 |
| Noninterest expense to average assets | 3.6642% | 806 |
| Loan and lease loss provision to assets | 0.0593% | 2,785 |
| Net operating income to assets | 1.7394% | 516 |
| Return on assets (ROA) | 1.7476% | 517 |
| Pretax return on assets | 1.7476% | 954 |
| Return on Equity (ROE) | 15.9106% | 543 |
| Retained earnings to average equity (ytd only) | 0.9232% | 4,862 |
| Net charge-offs to loans | 0.3491% | 576 |
| Credit loss provision to net charge-offs | 22.8717% | 2,767 |
| Earnings coverage of net charge-offs (x) | 6.9416% | 2,655 |
| Efficiency ratio | 67.0745% | 3,174 |
| Assets per employee ($millions) | 3.1134% | 5,179 |
| Cash dividends to net income (ytd only)* | 94.1974% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,430 |
| Loan loss allowance to noncurrent loans | 208.0456% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 2,202 |
| Noncurrent loans to loans | 0.6230% | 2,864 |
| Net loans and leases to total assets | 74.8068% | 1,730 |
| Net loans and leases to deposits | 91.7249% | 1,534 |
| Net loans and leases to core deposits | 95.8941% | 1,991 |
| Total domestic deposits to total assets | 81.5557% | 4,029 |
| Equity capital to assets | 10.9452% | 2,868 |
| Core capital (leverage) ratio | 10.9672% | 2,445 |
| Tier 1 risk-based capital ratio | 13.9462% | 3,454 |
| Total risk-based capital ratio | 15.1962% | 3,373 |
| Memoranda: | ||
| Average total assets | $607,447,000 | 1,195 |
| Average earning assets | $557,492,670 | 1,196 |
| Average equity | $66,723,000 | 1,201 |
| Average total loans | $450,909,670 | 1,131 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,423 |
| Cost of funding earning assets | 0.4239% | 2,778 |
| Net interest margin | 4.0566% | 1,330 |
| Noninterest income to average assets | 1.7601% | 375 |
| Noninterest expense to average assets | 3.5772% | 924 |
| Loan and lease loss provision to assets | 0.0596% | 2,616 |
| Net operating income to assets | 1.8409% | 418 |
| Return on assets (ROA) | 1.8574% | 417 |
| Pretax return on assets | 1.8574% | 706 |
| Return on Equity (ROE) | 16.8794% | 427 |
| Retained earnings to average equity (ytd only) | -1.1606% | 5,089 |
| Net charge-offs to loans | 0.5631% | 314 |
| Credit loss provision to net charge-offs | 14.4000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.5952% | 2,370 |
| Efficiency ratio | 65.3056% | 3,614 |
| Assets per employee ($millions) | 3.1673% | 5,200 |
| Cash dividends to net income (ytd only)* | 106.8757% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,274 |
| Loan loss allowance to noncurrent loans | 205.4245% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 2,235 |
| Noncurrent loans to loans | 0.6611% | 2,849 |
| Net loans and leases to total assets | 71.3352% | 2,163 |
| Net loans and leases to deposits | 86.8498% | 1,931 |
| Net loans and leases to core deposits | 90.9517% | 2,273 |
| Total domestic deposits to total assets | 82.1363% | 4,134 |
| Equity capital to assets | 10.7048% | 2,956 |
| Core capital (leverage) ratio | 11.1090% | 2,266 |
| Tier 1 risk-based capital ratio | 14.1861% | 3,370 |
| Total risk-based capital ratio | 15.4366% | 3,289 |
| Memoranda: | ||
| Average total assets | $604,502,000 | 1,202 |
| Average earning assets | $553,958,500 | 1,199 |
| Average equity | $66,519,000 | 1,199 |
| Average total loans | $443,943,000 | 1,149 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,455 |
| Cost of funding earning assets | 0.4067% | 2,939 |
| Net interest margin | 4.1199% | 1,334 |
| Noninterest income to average assets | 1.8268% | 390 |
| Noninterest expense to average assets | 3.6973% | 890 |
| Loan and lease loss provision to assets | 0.0897% | 2,575 |
| Net operating income to assets | 1.7870% | 459 |
| Return on assets (ROA) | 1.7289% | 537 |
| Pretax return on assets | 1.7289% | 932 |
| Return on Equity (ROE) | 15.8472% | 523 |
| Retained earnings to average equity (ytd only) | 2.3706% | 4,174 |
| Net charge-offs to loans | 0.2180% | 1,272 |
| Credit loss provision to net charge-offs | 55.5901% | 3,308 |
| Earnings coverage of net charge-offs (x) | 11.6284% | 2,520 |
| Efficiency ratio | 66.3310% | 3,540 |
| Assets per employee ($millions) | 2.9708% | 5,375 |
| Cash dividends to net income (ytd only)* | 85.0406% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,626 |
| Loan loss allowance to noncurrent loans | 158.2439% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 1,660 |
| Noncurrent loans to loans | 0.9548% | 2,176 |
| Net loans and leases to total assets | 73.4963% | 1,933 |
| Net loans and leases to deposits | 91.8734% | 1,473 |
| Net loans and leases to core deposits | 95.8030% | 1,939 |
| Total domestic deposits to total assets | 79.9973% | 4,576 |
| Equity capital to assets | 11.3197% | 2,313 |
| Core capital (leverage) ratio | 11.3133% | 2,068 |
| Tier 1 risk-based capital ratio | 14.7873% | 3,053 |
| Total risk-based capital ratio | 16.0399% | 3,001 |
| Memoranda: | ||
| Average total assets | $598,540,800 | 1,168 |
| Average earning assets | $544,401,800 | 1,182 |
| Average equity | $65,298,600 | 1,203 |
| Average total loans | $443,155,000 | 1,101 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 1,489 |
| Cost of funding earning assets | 0.3996% | 3,026 |
| Net interest margin | 4.1174% | 1,350 |
| Noninterest income to average assets | 1.8496% | 391 |
| Noninterest expense to average assets | 3.6639% | 903 |
| Loan and lease loss provision to assets | 0.1191% | 1,945 |
| Net operating income to assets | 1.8097% | 480 |
| Return on assets (ROA) | 1.7325% | 593 |
| Pretax return on assets | 1.7325% | 1,030 |
| Return on Equity (ROE) | 16.0278% | 540 |
| Retained earnings to average equity (ytd only) | 3.7161% | 3,662 |
| Net charge-offs to loans | 0.1333% | 1,641 |
| Credit loss provision to net charge-offs | 120.9459% | 2,077 |
| Earnings coverage of net charge-offs (x) | 19.5854% | 1,922 |
| Efficiency ratio | 65.5126% | 3,675 |
| Assets per employee ($millions) | 3.0445% | 5,351 |
| Cash dividends to net income (ytd only)* | 76.8147% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,440 |
| Loan loss allowance to noncurrent loans | 249.0947% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 2,348 |
| Noncurrent loans to loans | 0.6464% | 3,084 |
| Net loans and leases to total assets | 74.0190% | 1,865 |
| Net loans and leases to deposits | 91.4022% | 1,582 |
| Net loans and leases to core deposits | 95.3086% | 2,067 |
| Total domestic deposits to total assets | 80.9816% | 4,254 |
| Equity capital to assets | 11.3250% | 2,680 |
| Core capital (leverage) ratio | 11.2684% | 2,213 |
| Tier 1 risk-based capital ratio | 14.6225% | 3,225 |
| Total risk-based capital ratio | 15.8763% | 3,165 |
| Memoranda: | ||
| Average total assets | $601,122,250 | 1,164 |
| Average earning assets | $546,476,250 | 1,180 |
| Average equity | $64,977,250 | 1,216 |
| Average total loans | $444,206,750 | 1,102 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,583 |
| Cost of funding earning assets | 0.3923% | 3,127 |
| Net interest margin | 4.0855% | 1,402 |
| Noninterest income to average assets | 1.8984% | 367 |
| Noninterest expense to average assets | 3.7270% | 847 |
| Loan and lease loss provision to assets | 0.1776% | 1,232 |
| Net operating income to assets | 1.7141% | 568 |
| Return on assets (ROA) | 1.5984% | 772 |
| Pretax return on assets | 1.5984% | 1,379 |
| Return on Equity (ROE) | 15.0201% | 663 |
| Retained earnings to average equity (ytd only) | -3.6307% | 5,681 |
| Net charge-offs to loans | 0.1225% | 1,614 |
| Credit loss provision to net charge-offs | 197.4265% | 1,321 |
| Earnings coverage of net charge-offs (x) | 21.0257% | 1,704 |
| Efficiency ratio | 66.3311% | 3,623 |
| Assets per employee ($millions) | 3.1429% | 5,277 |
| Cash dividends to net income (ytd only)* | 124.1722% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 1,433 |
| Loan loss allowance to noncurrent loans | 357.0175% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 2,663 |
| Noncurrent loans to loans | 0.4588% | 3,724 |
| Net loans and leases to total assets | 72.5329% | 2,085 |
| Net loans and leases to deposits | 88.6964% | 1,898 |
| Net loans and leases to core deposits | 91.8820% | 2,364 |
| Total domestic deposits to total assets | 81.7766% | 4,066 |
| Equity capital to assets | 10.5624% | 3,567 |
| Core capital (leverage) ratio | 10.4787% | 2,997 |
| Tier 1 risk-based capital ratio | 13.8346% | 3,703 |
| Total risk-based capital ratio | 15.0888% | 3,620 |
| Memoranda: | ||
| Average total assets | $604,621,670 | 1,169 |
| Average earning assets | $550,581,670 | 1,178 |
| Average equity | $64,340,330 | 1,228 |
| Average total loans | $444,166,330 | 1,096 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 1,678 |
| Cost of funding earning assets | 0.3901% | 3,187 |
| Net interest margin | 4.0514% | 1,475 |
| Noninterest income to average assets | 1.5744% | 475 |
| Noninterest expense to average assets | 3.5736% | 1,061 |
| Loan and lease loss provision to assets | 0.1173% | 1,794 |
| Net operating income to assets | 1.5718% | 746 |
| Return on assets (ROA) | 1.5718% | 781 |
| Pretax return on assets | 1.5718% | 1,369 |
| Return on Equity (ROE) | 14.7156% | 716 |
| Retained earnings to average equity (ytd only) | -10.0999% | 5,805 |
| Net charge-offs to loans | 0.0325% | 2,306 |
| Credit loss provision to net charge-offs | 491.6667% | 626 |
| Earnings coverage of net charge-offs (x) | 70.8056% | 686 |
| Efficiency ratio | 67.9048% | 3,477 |
| Assets per employee ($millions) | 3.1882% | 5,296 |
| Cash dividends to net income (ytd only)* | 168.6341% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 1,532 |
| Loan loss allowance to noncurrent loans | 144.9095% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 1,736 |
| Noncurrent loans to loans | 1.1234% | 2,148 |
| Net loans and leases to total assets | 70.7271% | 2,231 |
| Net loans and leases to deposits | 86.6020% | 2,003 |
| Net loans and leases to core deposits | 89.4762% | 2,420 |
| Total domestic deposits to total assets | 81.6691% | 4,315 |
| Equity capital to assets | 10.3279% | 3,712 |
| Core capital (leverage) ratio | 10.3030% | 3,192 |
| Tier 1 risk-based capital ratio | 13.2940% | 4,100 |
| Total risk-based capital ratio | 14.5513% | 4,021 |
| Memoranda: | ||
| Average total assets | $603,644,500 | 1,169 |
| Average earning assets | $549,532,500 | 1,181 |
| Average equity | $64,476,000 | 1,214 |
| Average total loans | $442,603,000 | 1,099 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,474 |
| Cost of funding earning assets | 0.3607% | 3,575 |
| Net interest margin | 4.1823% | 1,203 |
| Noninterest income to average assets | 1.6210% | 491 |
| Noninterest expense to average assets | 3.6097% | 1,112 |
| Loan and lease loss provision to assets | 0.1164% | 2,052 |
| Net operating income to assets | 1.7048% | 573 |
| Return on assets (ROA) | 1.6721% | 624 |
| Pretax return on assets | 1.6721% | 1,059 |
| Return on Equity (ROE) | 15.1792% | 660 |
| Retained earnings to average equity (ytd only) | 4.7644% | 2,603 |
| Net charge-offs to loans | 0.1628% | 1,738 |
| Credit loss provision to net charge-offs | 97.9827% | 2,597 |
| Earnings coverage of net charge-offs (x) | 15.3256% | 2,211 |
| Efficiency ratio | 66.4659% | 3,835 |
| Assets per employee ($millions) | 2.9599% | 5,560 |
| Cash dividends to net income (ytd only)* | 68.6124% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,630 |
| Loan loss allowance to noncurrent loans | 164.4771% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 1,834 |
| Noncurrent loans to loans | 0.9695% | 2,394 |
| Net loans and leases to total assets | 73.6094% | 1,792 |
| Net loans and leases to deposits | 90.7757% | 1,532 |
| Net loans and leases to core deposits | 92.6079% | 2,164 |
| Total domestic deposits to total assets | 81.0893% | 4,455 |
| Equity capital to assets | 11.0483% | 2,772 |
| Core capital (leverage) ratio | 10.8630% | 2,541 |
| Tier 1 risk-based capital ratio | 13.4908% | 4,012 |
| Total risk-based capital ratio | 14.7459% | 3,944 |
| Memoranda: | ||
| Average total assets | $584,007,800 | 1,168 |
| Average earning assets | $532,003,800 | 1,181 |
| Average equity | $64,331,600 | 1,173 |
| Average total loans | $426,337,400 | 1,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,529 |
| Cost of funding earning assets | 0.3582% | 3,666 |
| Net interest margin | 4.1633% | 1,246 |
| Noninterest income to average assets | 1.5912% | 503 |
| Noninterest expense to average assets | 3.6181% | 1,090 |
| Loan and lease loss provision to assets | 0.1558% | 1,393 |
| Net operating income to assets | 1.6111% | 754 |
| Return on assets (ROA) | 1.6127% | 778 |
| Pretax return on assets | 1.6127% | 1,342 |
| Return on Equity (ROE) | 14.6517% | 785 |
| Retained earnings to average equity (ytd only) | 6.9512% | 1,714 |
| Net charge-offs to loans | 0.1326% | 1,809 |
| Credit loss provision to net charge-offs | 161.9048% | 1,588 |
| Earnings coverage of net charge-offs (x) | 18.3641% | 2,002 |
| Efficiency ratio | 67.1885% | 3,674 |
| Assets per employee ($millions) | 2.9523% | 5,597 |
| Cash dividends to net income (ytd only)* | 52.5568% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 1,561 |
| Loan loss allowance to noncurrent loans | 134.1932% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 1,744 |
| Noncurrent loans to loans | 1.2427% | 2,057 |
| Net loans and leases to total assets | 73.2532% | 1,862 |
| Net loans and leases to deposits | 90.0195% | 1,649 |
| Net loans and leases to core deposits | 92.0503% | 2,259 |
| Total domestic deposits to total assets | 81.3747% | 4,369 |
| Equity capital to assets | 11.1716% | 2,823 |
| Core capital (leverage) ratio | 10.9153% | 2,580 |
| Tier 1 risk-based capital ratio | 13.5918% | 4,087 |
| Total risk-based capital ratio | 14.8479% | 4,012 |
| Memoranda: | ||
| Average total assets | $582,016,500 | 1,176 |
| Average earning assets | $530,368,250 | 1,193 |
| Average equity | $64,063,750 | 1,186 |
| Average total loans | $422,219,500 | 1,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,580 |
| Cost of funding earning assets | 0.3591% | 3,716 |
| Net interest margin | 4.1277% | 1,282 |
| Noninterest income to average assets | 1.5756% | 518 |
| Noninterest expense to average assets | 3.6132% | 1,103 |
| Loan and lease loss provision to assets | 0.1613% | 1,313 |
| Net operating income to assets | 1.5594% | 815 |
| Return on assets (ROA) | 1.5594% | 843 |
| Pretax return on assets | 1.5594% | 1,457 |
| Return on Equity (ROE) | 14.2392% | 858 |
| Retained earnings to average equity (ytd only) | 2.5729% | 4,418 |
| Net charge-offs to loans | 0.1672% | 1,465 |
| Credit loss provision to net charge-offs | 134.1954% | 1,659 |
| Earnings coverage of net charge-offs (x) | 14.3190% | 2,068 |
| Efficiency ratio | 67.7413% | 3,709 |
| Assets per employee ($millions) | 3.0477% | 5,536 |
| Cash dividends to net income (ytd only)* | 81.9309% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,699 |
| Loan loss allowance to noncurrent loans | 139.4456% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 1,991 |
| Noncurrent loans to loans | 1.1942% | 2,269 |
| Net loans and leases to total assets | 71.8499% | 2,012 |
| Net loans and leases to deposits | 87.0326% | 1,940 |
| Net loans and leases to core deposits | 88.6329% | 2,495 |
| Total domestic deposits to total assets | 82.5551% | 4,106 |
| Equity capital to assets | 10.7954% | 3,111 |
| Core capital (leverage) ratio | 10.5553% | 2,888 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,290 |
| Total risk-based capital ratio | 14.6348% | 4,215 |
| Memoranda: | ||
| Average total assets | $579,205,000 | 1,184 |
| Average earning assets | $527,369,670 | 1,208 |
| Average equity | $63,430,670 | 1,204 |
| Average total loans | $416,339,670 | 1,102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,814 |
| Cost of funding earning assets | 0.3618% | 3,730 |
| Net interest margin | 4.0253% | 1,477 |
| Noninterest income to average assets | 1.4892% | 545 |
| Noninterest expense to average assets | 3.5473% | 1,218 |
| Loan and lease loss provision to assets | 0.1745% | 1,118 |
| Net operating income to assets | 1.4327% | 978 |
| Return on assets (ROA) | 1.4327% | 1,032 |
| Pretax return on assets | 1.4327% | 1,767 |
| Return on Equity (ROE) | 12.9872% | 1,092 |
| Retained earnings to average equity (ytd only) | 2.2331% | 4,565 |
| Net charge-offs to loans | 0.0460% | 2,340 |
| Credit loss provision to net charge-offs | 531.9149% | 515 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 845 |
| Efficiency ratio | 68.8194% | 3,693 |
| Assets per employee ($millions) | 3.0498% | 5,606 |
| Cash dividends to net income (ytd only)* | 82.8057% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 1,594 |
| Loan loss allowance to noncurrent loans | 154.6536% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 1,976 |
| Noncurrent loans to loans | 1.1365% | 2,497 |
| Net loans and leases to total assets | 69.4688% | 2,207 |
| Net loans and leases to deposits | 82.4194% | 2,287 |
| Net loans and leases to core deposits | 84.0809% | 2,761 |
| Total domestic deposits to total assets | 84.2870% | 3,701 |
| Equity capital to assets | 10.8359% | 3,158 |
| Core capital (leverage) ratio | 10.6068% | 2,842 |
| Tier 1 risk-based capital ratio | 13.7708% | 4,167 |
| Total risk-based capital ratio | 15.0283% | 4,083 |
| Memoranda: | ||
| Average total assets | $573,176,000 | 1,202 |
| Average earning assets | $521,896,500 | 1,221 |
| Average equity | $63,231,500 | 1,205 |
| Average total loans | $408,501,500 | 1,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,768 |
| Cost of funding earning assets | 0.3750% | 3,978 |
| Net interest margin | 4.1516% | 1,425 |
| Noninterest income to average assets | 1.5534% | 516 |
| Noninterest expense to average assets | 3.4462% | 1,611 |
| Loan and lease loss provision to assets | 0.2011% | 1,262 |
| Net operating income to assets | 1.7052% | 576 |
| Return on assets (ROA) | 1.6942% | 606 |
| Pretax return on assets | 1.6942% | 997 |
| Return on Equity (ROE) | 15.0746% | 769 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,242 |
| Net charge-offs to loans | 0.5045% | 812 |
| Credit loss provision to net charge-offs | 56.2088% | 3,354 |
| Earnings coverage of net charge-offs (x) | 5.3274% | 3,450 |
| Efficiency ratio | 64.3840% | 4,537 |
| Assets per employee ($millions) | 2.9829% | 5,720 |
| Cash dividends to net income (ytd only)* | 81.3617% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 1,642 |
| Loan loss allowance to noncurrent loans | 148.4162% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2884% | 2,189 |
| Noncurrent loans to loans | 1.1831% | 2,473 |
| Net loans and leases to total assets | 70.5910% | 2,143 |
| Net loans and leases to deposits | 85.7874% | 2,014 |
| Net loans and leases to core deposits | 88.5376% | 2,443 |
| Total domestic deposits to total assets | 82.2860% | 4,318 |
| Equity capital to assets | 11.2364% | 2,658 |
| Core capital (leverage) ratio | 11.0920% | 2,323 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,897 |
| Total risk-based capital ratio | 15.5545% | 3,825 |
| Memoranda: | ||
| Average total assets | $551,366,800 | 1,211 |
| Average earning assets | $504,551,400 | 1,217 |
| Average equity | $61,965,200 | 1,179 |
| Average total loans | $391,105,000 | 1,131 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,850 |
| Cost of funding earning assets | 0.3784% | 4,039 |
| Net interest margin | 4.1268% | 1,495 |
| Noninterest income to average assets | 1.5212% | 541 |
| Noninterest expense to average assets | 3.3944% | 1,684 |
| Loan and lease loss provision to assets | 0.2290% | 977 |
| Net operating income to assets | 1.6803% | 636 |
| Return on assets (ROA) | 1.6623% | 689 |
| Pretax return on assets | 1.6623% | 1,155 |
| Return on Equity (ROE) | 14.7908% | 868 |
| Retained earnings to average equity (ytd only) | 2.6902% | 4,673 |
| Net charge-offs to loans | 0.2909% | 1,354 |
| Credit loss provision to net charge-offs | 111.3341% | 2,025 |
| Earnings coverage of net charge-offs (x) | 9.2821% | 2,690 |
| Efficiency ratio | 64.0002% | 4,540 |
| Assets per employee ($millions) | 3.0799% | 5,632 |
| Cash dividends to net income (ytd only)* | 81.8115% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 1,224 |
| Loan loss allowance to noncurrent loans | 127.2166% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 1,892 |
| Noncurrent loans to loans | 1.5869% | 2,048 |
| Net loans and leases to total assets | 70.3447% | 2,138 |
| Net loans and leases to deposits | 84.0413% | 2,146 |
| Net loans and leases to core deposits | 86.8754% | 2,558 |
| Total domestic deposits to total assets | 83.7026% | 3,879 |
| Equity capital to assets | 11.2711% | 2,685 |
| Core capital (leverage) ratio | 11.1343% | 2,365 |
| Tier 1 risk-based capital ratio | 14.3082% | 4,026 |
| Total risk-based capital ratio | 15.5659% | 3,941 |
| Memoranda: | ||
| Average total assets | $549,011,750 | 1,225 |
| Average earning assets | $503,202,500 | 1,232 |
| Average equity | $61,703,500 | 1,191 |
| Average total loans | $388,146,250 | 1,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 1,952 |
| Cost of funding earning assets | 0.3825% | 4,073 |
| Net interest margin | 4.0792% | 1,576 |
| Noninterest income to average assets | 1.4747% | 559 |
| Noninterest expense to average assets | 3.3475% | 1,806 |
| Loan and lease loss provision to assets | 0.2116% | 1,116 |
| Net operating income to assets | 1.6534% | 637 |
| Return on assets (ROA) | 1.6264% | 696 |
| Pretax return on assets | 1.6264% | 1,189 |
| Return on Equity (ROE) | 14.4850% | 874 |
| Retained earnings to average equity (ytd only) | 4.3943% | 3,381 |
| Net charge-offs to loans | 0.3549% | 1,158 |
| Credit loss provision to net charge-offs | 84.7731% | 2,263 |
| Earnings coverage of net charge-offs (x) | 7.4714% | 2,624 |
| Efficiency ratio | 64.2196% | 4,659 |
| Assets per employee ($millions) | 3.0819% | 5,623 |
| Cash dividends to net income (ytd only)* | 69.6629% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 1,302 |
| Loan loss allowance to noncurrent loans | 123.0177% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 1,674 |
| Noncurrent loans to loans | 1.6537% | 2,101 |
| Net loans and leases to total assets | 69.1685% | 2,204 |
| Net loans and leases to deposits | 82.4098% | 2,206 |
| Net loans and leases to core deposits | 85.2496% | 2,584 |
| Total domestic deposits to total assets | 83.9324% | 3,941 |
| Equity capital to assets | 11.5181% | 2,411 |
| Core capital (leverage) ratio | 11.1745% | 2,272 |
| Tier 1 risk-based capital ratio | 14.8162% | 3,746 |
| Total risk-based capital ratio | 16.0743% | 3,679 |
| Memoranda: | ||
| Average total assets | $547,221,000 | 1,223 |
| Average earning assets | $501,423,000 | 1,232 |
| Average equity | $61,443,000 | 1,189 |
| Average total loans | $384,856,670 | 1,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 2,139 |
| Cost of funding earning assets | 0.3835% | 4,156 |
| Net interest margin | 4.0154% | 1,709 |
| Noninterest income to average assets | 1.3735% | 616 |
| Noninterest expense to average assets | 3.3046% | 1,938 |
| Loan and lease loss provision to assets | 0.1919% | 1,234 |
| Net operating income to assets | 1.5603% | 719 |
| Return on assets (ROA) | 1.5063% | 839 |
| Pretax return on assets | 1.5063% | 1,412 |
| Return on Equity (ROE) | 13.5902% | 1,017 |
| Retained earnings to average equity (ytd only) | -2.8708% | 5,953 |
| Net charge-offs to loans | 0.1144% | 2,032 |
| Credit loss provision to net charge-offs | 239.0909% | 928 |
| Earnings coverage of net charge-offs (x) | 21.8273% | 1,278 |
| Efficiency ratio | 65.3485% | 4,636 |
| Assets per employee ($millions) | 3.2732% | 5,396 |
| Cash dividends to net income (ytd only)* | 121.1240% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 1,339 |
| Loan loss allowance to noncurrent loans | 117.2754% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 1,758 |
| Noncurrent loans to loans | 1.7836% | 2,163 |
| Net loans and leases to total assets | 68.4729% | 2,150 |
| Net loans and leases to deposits | 81.5091% | 2,098 |
| Net loans and leases to core deposits | 84.3333% | 2,479 |
| Total domestic deposits to total assets | 84.0064% | 4,272 |
| Equity capital to assets | 10.9666% | 2,749 |
| Core capital (leverage) ratio | 11.0085% | 2,383 |
| Tier 1 risk-based capital ratio | 14.3817% | 4,076 |
| Total risk-based capital ratio | 15.6405% | 4,031 |
| Memoranda: | ||
| Average total assets | $548,087,500 | 1,232 |
| Average earning assets | $502,769,500 | 1,232 |
| Average equity | $60,749,500 | 1,197 |
| Average total loans | $384,714,500 | 1,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 1,600 |
| Cost of funding earning assets | 0.4869% | 3,745 |
| Net interest margin | 4.2019% | 1,349 |
| Noninterest income to average assets | 1.5846% | 571 |
| Noninterest expense to average assets | 3.3754% | 1,936 |
| Loan and lease loss provision to assets | 0.3053% | 1,100 |
| Net operating income to assets | 1.7436% | 534 |
| Return on assets (ROA) | 1.7587% | 538 |
| Pretax return on assets | 1.7587% | 837 |
| Return on Equity (ROE) | 15.8839% | 634 |
| Retained earnings to average equity (ytd only) | 5.6637% | 2,179 |
| Net charge-offs to loans | 0.3727% | 1,812 |
| Credit loss provision to net charge-offs | 116.8953% | 2,056 |
| Earnings coverage of net charge-offs (x) | 7.8440% | 2,773 |
| Efficiency ratio | 62.2266% | 5,176 |
| Assets per employee ($millions) | 3.1755% | 5,541 |
| Cash dividends to net income (ytd only)* | 64.3432% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0752% | 1,384 |
| Loan loss allowance to noncurrent loans | 110.9574% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0199% | 1,778 |
| Noncurrent loans to loans | 1.8703% | 2,148 |
| Net loans and leases to total assets | 68.9913% | 2,175 |
| Net loans and leases to deposits | 83.0336% | 2,051 |
| Net loans and leases to core deposits | 85.8122% | 2,468 |
| Total domestic deposits to total assets | 83.0885% | 4,514 |
| Equity capital to assets | 11.2034% | 2,424 |
| Core capital (leverage) ratio | 11.2197% | 2,181 |
| Tier 1 risk-based capital ratio | 14.6585% | 3,861 |
| Total risk-based capital ratio | 15.9172% | 3,799 |
| Memoranda: | ||
| Average total assets | $530,225,400 | 1,254 |
| Average earning assets | $484,521,800 | 1,261 |
| Average equity | $58,707,400 | 1,226 |
| Average total loans | $371,591,200 | 1,146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,536 |
| Cost of funding earning assets | 0.5163% | 3,609 |
| Net interest margin | 4.2069% | 1,309 |
| Noninterest income to average assets | 1.5801% | 586 |
| Noninterest expense to average assets | 3.4029% | 1,818 |
| Loan and lease loss provision to assets | 0.3064% | 1,106 |
| Net operating income to assets | 1.7155% | 613 |
| Return on assets (ROA) | 1.7357% | 617 |
| Pretax return on assets | 1.7357% | 1,025 |
| Return on Equity (ROE) | 15.7244% | 678 |
| Retained earnings to average equity (ytd only) | 1.9733% | 5,145 |
| Net charge-offs to loans | 0.3882% | 1,653 |
| Credit loss provision to net charge-offs | 112.7561% | 2,082 |
| Earnings coverage of net charge-offs (x) | 7.4414% | 2,794 |
| Efficiency ratio | 62.7291% | 5,025 |
| Assets per employee ($millions) | 3.1107% | 5,657 |
| Cash dividends to net income (ytd only)* | 87.4508% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0712% | 1,567 |
| Loan loss allowance to noncurrent loans | 109.5710% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.1529% | 1,856 |
| Noncurrent loans to loans | 1.8902% | 2,382 |
| Net loans and leases to total assets | 69.7052% | 2,016 |
| Net loans and leases to deposits | 83.1815% | 1,981 |
| Net loans and leases to core deposits | 86.1434% | 2,393 |
| Total domestic deposits to total assets | 83.7990% | 4,281 |
| Equity capital to assets | 10.9338% | 2,823 |
| Core capital (leverage) ratio | 10.9286% | 2,552 |
| Tier 1 risk-based capital ratio | 14.0955% | 4,360 |
| Total risk-based capital ratio | 15.3538% | 4,299 |
| Memoranda: | ||
| Average total assets | $527,031,000 | 1,275 |
| Average earning assets | $481,641,500 | 1,280 |
| Average equity | $58,175,500 | 1,246 |
| Average total loans | $368,848,000 | 1,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 1,530 |
| Cost of funding earning assets | 0.5542% | 3,368 |
| Net interest margin | 4.1595% | 1,381 |
| Noninterest income to average assets | 1.5459% | 659 |
| Noninterest expense to average assets | 3.3776% | 1,874 |
| Loan and lease loss provision to assets | 0.2855% | 1,273 |
| Net operating income to assets | 1.6883% | 639 |
| Return on assets (ROA) | 1.7187% | 656 |
| Pretax return on assets | 1.7187% | 1,077 |
| Return on Equity (ROE) | 15.5207% | 733 |
| Retained earnings to average equity (ytd only) | 2.9735% | 4,427 |
| Net charge-offs to loans | 0.3698% | 1,725 |
| Credit loss provision to net charge-offs | 110.9467% | 2,000 |
| Earnings coverage of net charge-offs (x) | 7.6701% | 2,518 |
| Efficiency ratio | 63.1171% | 5,003 |
| Assets per employee ($millions) | 3.0535% | 5,758 |
| Cash dividends to net income (ytd only)* | 80.8416% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 1,627 |
| Loan loss allowance to noncurrent loans | 83.8978% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.5678% | 1,634 |
| Noncurrent loans to loans | 2.5083% | 1,845 |
| Net loans and leases to total assets | 68.5021% | 2,147 |
| Net loans and leases to deposits | 80.3428% | 2,280 |
| Net loans and leases to core deposits | 83.1863% | 2,671 |
| Total domestic deposits to total assets | 85.2623% | 3,760 |
| Equity capital to assets | 11.1246% | 2,633 |
| Core capital (leverage) ratio | 10.8783% | 2,473 |
| Tier 1 risk-based capital ratio | 14.3712% | 4,179 |
| Total risk-based capital ratio | 15.6299% | 4,131 |
| Memoranda: | ||
| Average total assets | $525,395,670 | 1,275 |
| Average earning assets | $480,687,670 | 1,278 |
| Average equity | $58,180,330 | 1,246 |
| Average total loans | $365,587,330 | 1,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 1,798 |
| Cost of funding earning assets | 0.5750% | 3,331 |
| Net interest margin | 4.0358% | 1,664 |
| Noninterest income to average assets | 1.5452% | 645 |
| Noninterest expense to average assets | 3.3682% | 1,903 |
| Loan and lease loss provision to assets | 0.2809% | 1,254 |
| Net operating income to assets | 1.5879% | 724 |
| Return on assets (ROA) | 1.5879% | 782 |
| Pretax return on assets | 1.5879% | 1,330 |
| Return on Equity (ROE) | 14.3728% | 885 |
| Retained earnings to average equity (ytd only) | -2.9022% | 6,181 |
| Net charge-offs to loans | 0.3092% | 1,723 |
| Credit loss provision to net charge-offs | 130.9609% | 1,511 |
| Earnings coverage of net charge-offs (x) | 8.7117% | 1,918 |
| Efficiency ratio | 64.3149% | 4,957 |
| Assets per employee ($millions) | 3.1900% | 5,652 |
| Cash dividends to net income (ytd only)* | 120.1923% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 1,693 |
| Loan loss allowance to noncurrent loans | 114.8246% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.6197% | 1,740 |
| Noncurrent loans to loans | 1.8720% | 2,771 |
| Net loans and leases to total assets | 66.5842% | 2,270 |
| Net loans and leases to deposits | 77.7392% | 2,378 |
| Net loans and leases to core deposits | 80.5039% | 2,744 |
| Total domestic deposits to total assets | 85.6507% | 3,710 |
| Equity capital to assets | 10.8649% | 3,118 |
| Core capital (leverage) ratio | 10.7257% | 2,521 |
| Tier 1 risk-based capital ratio | 14.5600% | 4,131 |
| Total risk-based capital ratio | 15.8488% | 4,067 |
| Memoranda: | ||
| Average total assets | $523,961,500 | 1,293 |
| Average earning assets | $479,313,500 | 1,295 |
| Average equity | $57,887,000 | 1,259 |
| Average total loans | $363,555,500 | 1,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 1,694 |
| Cost of funding earning assets | 0.7700% | 2,915 |
| Net interest margin | 4.1783% | 1,716 |
| Noninterest income to average assets | 1.6371% | 592 |
| Noninterest expense to average assets | 3.3355% | 2,237 |
| Loan and lease loss provision to assets | 0.4801% | 1,277 |
| Net operating income to assets | 1.6367% | 708 |
| Return on assets (ROA) | 1.6367% | 782 |
| Pretax return on assets | 1.6367% | 1,292 |
| Return on Equity (ROE) | 15.5257% | 729 |
| Retained earnings to average equity (ytd only) | 4.6216% | 2,975 |
| Net charge-offs to loans | 0.5858% | 1,972 |
| Credit loss provision to net charge-offs | 117.2672% | 2,457 |
| Earnings coverage of net charge-offs (x) | 5.1703% | 3,124 |
| Efficiency ratio | 61.1757% | 5,363 |
| Assets per employee ($millions) | 2.9953% | 6,022 |
| Cash dividends to net income (ytd only)* | 70.2329% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,734 |
| Loan loss allowance to noncurrent loans | 103.7291% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.7362% | 1,762 |
| Noncurrent loans to loans | 2.0373% | 2,657 |
| Net loans and leases to total assets | 69.2750% | 1,982 |
| Net loans and leases to deposits | 81.7129% | 2,042 |
| Net loans and leases to core deposits | 84.9545% | 2,434 |
| Total domestic deposits to total assets | 84.7785% | 3,957 |
| Equity capital to assets | 11.2372% | 2,700 |
| Core capital (leverage) ratio | 10.8804% | 2,359 |
| Tier 1 risk-based capital ratio | 14.5213% | 4,019 |
| Total risk-based capital ratio | 15.7957% | 3,951 |
| Memoranda: | ||
| Average total assets | $521,957,400 | 1,276 |
| Average earning assets | $476,606,400 | 1,279 |
| Average equity | $55,024,800 | 1,298 |
| Average total loans | $364,784,800 | 1,145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 1,795 |
| Cost of funding earning assets | 0.8086% | 2,874 |
| Net interest margin | 4.1543% | 1,887 |
| Noninterest income to average assets | 1.6573% | 553 |
| Noninterest expense to average assets | 3.2894% | 2,301 |
| Loan and lease loss provision to assets | 0.5963% | 932 |
| Net operating income to assets | 1.5651% | 925 |
| Return on assets (ROA) | 1.5651% | 1,018 |
| Pretax return on assets | 1.5651% | 1,686 |
| Return on Equity (ROE) | 15.0915% | 885 |
| Retained earnings to average equity (ytd only) | 0.3609% | 5,980 |
| Net charge-offs to loans | 0.4418% | 2,336 |
| Credit loss provision to net charge-offs | 193.7138% | 1,435 |
| Earnings coverage of net charge-offs (x) | 7.0215% | 2,676 |
| Efficiency ratio | 60.3466% | 5,441 |
| Assets per employee ($millions) | 3.1228% | 5,800 |
| Cash dividends to net income (ytd only)* | 97.6085% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2993% | 1,516 |
| Loan loss allowance to noncurrent loans | 101.2191% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.7503% | 1,915 |
| Noncurrent loans to loans | 2.2716% | 2,536 |
| Net loans and leases to total assets | 69.0046% | 2,115 |
| Net loans and leases to deposits | 81.2615% | 2,215 |
| Net loans and leases to core deposits | 84.4973% | 2,644 |
| Total domestic deposits to total assets | 84.9168% | 3,776 |
| Equity capital to assets | 10.7033% | 3,603 |
| Core capital (leverage) ratio | 10.3370% | 3,120 |
| Tier 1 risk-based capital ratio | 13.8476% | 4,655 |
| Total risk-based capital ratio | 15.1161% | 4,594 |
| Memoranda: | ||
| Average total assets | $523,647,000 | 1,287 |
| Average earning assets | $478,177,500 | 1,290 |
| Average equity | $54,307,500 | 1,324 |
| Average total loans | $364,828,750 | 1,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 1,846 |
| Cost of funding earning assets | 0.8511% | 2,785 |
| Net interest margin | 4.1277% | 1,980 |
| Noninterest income to average assets | 1.6534% | 543 |
| Noninterest expense to average assets | 3.2684% | 2,394 |
| Loan and lease loss provision to assets | 0.6320% | 923 |
| Net operating income to assets | 1.5211% | 960 |
| Return on assets (ROA) | 1.5211% | 1,080 |
| Pretax return on assets | 1.5211% | 1,801 |
| Return on Equity (ROE) | 14.8243% | 966 |
| Retained earnings to average equity (ytd only) | -0.0446% | 6,041 |
| Net charge-offs to loans | 0.4911% | 2,110 |
| Credit loss provision to net charge-offs | 185.5543% | 1,526 |
| Earnings coverage of net charge-offs (x) | 6.3214% | 2,659 |
| Efficiency ratio | 60.2856% | 5,532 |
| Assets per employee ($millions) | 3.0934% | 5,866 |
| Cash dividends to net income (ytd only)* | 100.3009% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 1,707 |
| Loan loss allowance to noncurrent loans | 94.3836% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.5848% | 2,148 |
| Noncurrent loans to loans | 2.3631% | 2,542 |
| Net loans and leases to total assets | 67.5193% | 2,366 |
| Net loans and leases to deposits | 79.0305% | 2,521 |
| Net loans and leases to core deposits | 82.0830% | 2,950 |
| Total domestic deposits to total assets | 85.4345% | 3,649 |
| Equity capital to assets | 10.3478% | 3,886 |
| Core capital (leverage) ratio | 10.1901% | 3,159 |
| Tier 1 risk-based capital ratio | 13.9181% | 4,508 |
| Total risk-based capital ratio | 15.1969% | 4,457 |
| Memoranda: | ||
| Average total assets | $524,358,330 | 1,291 |
| Average earning assets | $478,671,000 | 1,296 |
| Average equity | $53,803,670 | 1,327 |
| Average total loans | $363,659,330 | 1,158 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 2,187 |
| Cost of funding earning assets | 0.9205% | 2,513 |
| Net interest margin | 3.9932% | 2,537 |
| Noninterest income to average assets | 1.5546% | 600 |
| Noninterest expense to average assets | 3.1994% | 2,603 |
| Loan and lease loss provision to assets | 0.6119% | 927 |
| Net operating income to assets | 1.3919% | 1,235 |
| Return on assets (ROA) | 1.3919% | 1,381 |
| Pretax return on assets | 1.3919% | 2,215 |
| Return on Equity (ROE) | 13.6232% | 1,274 |
| Retained earnings to average equity (ytd only) | -1.3309% | 6,198 |
| Net charge-offs to loans | 0.0791% | 3,706 |
| Credit loss provision to net charge-offs | 1,112.5000% | 313 |
| Earnings coverage of net charge-offs (x) | 36.4306% | 807 |
| Efficiency ratio | 61.4888% | 5,370 |
| Assets per employee ($millions) | 3.1144% | 5,930 |
| Cash dividends to net income (ytd only)* | 109.7695% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2230% | 1,840 |
| Loan loss allowance to noncurrent loans | 68.2145% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.0514% | 1,909 |
| Noncurrent loans to loans | 3.2588% | 1,965 |
| Net loans and leases to total assets | 66.2212% | 2,426 |
| Net loans and leases to deposits | 77.4487% | 2,602 |
| Net loans and leases to core deposits | 80.4609% | 3,018 |
| Total domestic deposits to total assets | 85.5033% | 3,788 |
| Equity capital to assets | 9.9692% | 4,159 |
| Core capital (leverage) ratio | 10.2551% | 3,045 |
| Tier 1 risk-based capital ratio | 13.7534% | 4,641 |
| Total risk-based capital ratio | 15.0259% | 4,609 |
| Memoranda: | ||
| Average total assets | $523,598,500 | 1,295 |
| Average earning assets | $478,414,500 | 1,298 |
| Average equity | $53,497,000 | 1,324 |
| Average total loans | $363,904,500 | 1,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 1,943 |
| Cost of funding earning assets | 1.1671% | 2,234 |
| Net interest margin | 4.0647% | 2,585 |
| Noninterest income to average assets | 1.5991% | 527 |
| Noninterest expense to average assets | 3.2008% | 2,864 |
| Loan and lease loss provision to assets | 0.7009% | 1,459 |
| Net operating income to assets | 1.4163% | 992 |
| Return on assets (ROA) | 1.1824% | 1,671 |
| Pretax return on assets | 1.1824% | 2,513 |
| Return on Equity (ROE) | 11.7199% | 1,491 |
| Retained earnings to average equity (ytd only) | 5.8687% | 2,095 |
| Net charge-offs to loans | 0.7143% | 2,374 |
| Credit loss provision to net charge-offs | 136.8947% | 2,177 |
| Earnings coverage of net charge-offs (x) | 4.1353% | 3,250 |
| Efficiency ratio | 60.1880% | 5,730 |
| Assets per employee ($millions) | 2.9567% | 6,179 |
| Cash dividends to net income (ytd only)* | 49.9251% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,244 |
| Loan loss allowance to noncurrent loans | 63.2905% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 3.0805% | 1,946 |
| Noncurrent loans to loans | 3.1755% | 2,040 |
| Net loans and leases to total assets | 69.9242% | 2,048 |
| Net loans and leases to deposits | 82.4392% | 2,139 |
| Net loans and leases to core deposits | 85.5818% | 2,689 |
| Total domestic deposits to total assets | 84.8192% | 3,942 |
| Equity capital to assets | 10.4769% | 3,561 |
| Core capital (leverage) ratio | 10.5703% | 2,639 |
| Tier 1 risk-based capital ratio | 13.7951% | 4,485 |
| Total risk-based capital ratio | 15.0638% | 4,424 |
| Memoranda: | ||
| Average total assets | $508,213,600 | 1,315 |
| Average earning assets | $464,981,200 | 1,321 |
| Average equity | $51,271,800 | 1,338 |
| Average total loans | $364,281,400 | 1,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 1,862 |
| Cost of funding earning assets | 1.2297% | 2,129 |
| Net interest margin | 4.0686% | 2,607 |
| Noninterest income to average assets | 1.5966% | 518 |
| Noninterest expense to average assets | 3.1930% | 2,846 |
| Loan and lease loss provision to assets | 0.6990% | 1,381 |
| Net operating income to assets | 1.4274% | 1,106 |
| Return on assets (ROA) | 1.1150% | 2,055 |
| Pretax return on assets | 1.1150% | 2,945 |
| Return on Equity (ROE) | 11.1599% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.2693% | 4,390 |
| Net charge-offs to loans | 0.7566% | 2,052 |
| Credit loss provision to net charge-offs | 128.7512% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 3,245 |
| Efficiency ratio | 60.0257% | 5,718 |
| Assets per employee ($millions) | 2.9874% | 6,150 |
| Cash dividends to net income (ytd only)* | 70.7047% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,558 |
| Loan loss allowance to noncurrent loans | 75.9177% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6166% | 2,468 |
| Noncurrent loans to loans | 2.5294% | 2,740 |
| Net loans and leases to total assets | 69.6888% | 2,143 |
| Net loans and leases to deposits | 81.6314% | 2,426 |
| Net loans and leases to core deposits | 84.7519% | 2,946 |
| Total domestic deposits to total assets | 85.3701% | 3,570 |
| Equity capital to assets | 10.2154% | 4,061 |
| Core capital (leverage) ratio | 10.1348% | 3,262 |
| Tier 1 risk-based capital ratio | 13.2796% | 4,891 |
| Total risk-based capital ratio | 14.5552% | 4,846 |
| Memoranda: | ||
| Average total assets | $507,388,250 | 1,322 |
| Average earning assets | $464,263,500 | 1,323 |
| Average equity | $50,692,000 | 1,350 |
| Average total loans | $364,099,500 | 1,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 1,852 |
| Cost of funding earning assets | 1.3062% | 1,905 |
| Net interest margin | 4.0044% | 2,814 |
| Noninterest income to average assets | 1.5534% | 530 |
| Noninterest expense to average assets | 3.2175% | 2,839 |
| Loan and lease loss provision to assets | 0.6831% | 1,403 |
| Net operating income to assets | 1.3215% | 1,265 |
| Return on assets (ROA) | 0.9521% | 2,521 |
| Pretax return on assets | 0.9521% | 3,423 |
| Return on Equity (ROE) | 9.6027% | 2,265 |
| Retained earnings to average equity (ytd only) | 5.6182% | 2,633 |
| Net charge-offs to loans | 0.8648% | 1,789 |
| Credit loss provision to net charge-offs | 109.7081% | 2,801 |
| Earnings coverage of net charge-offs (x) | 3.2195% | 3,262 |
| Efficiency ratio | 61.6130% | 5,643 |
| Assets per employee ($millions) | 2.9670% | 6,149 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,976 |
| Loan loss allowance to noncurrent loans | 116.8397% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 2.1241% | 3,079 |
| Noncurrent loans to loans | 1.5440% | 4,087 |
| Net loans and leases to total assets | 68.8396% | 2,447 |
| Net loans and leases to deposits | 80.9951% | 2,621 |
| Net loans and leases to core deposits | 84.2058% | 3,180 |
| Total domestic deposits to total assets | 84.9924% | 3,883 |
| Equity capital to assets | 10.3129% | 3,734 |
| Core capital (leverage) ratio | 10.1693% | 3,069 |
| Tier 1 risk-based capital ratio | 13.3028% | 4,691 |
| Total risk-based capital ratio | 14.5823% | 4,644 |
| Memoranda: | ||
| Average total assets | $506,236,000 | 1,333 |
| Average earning assets | $463,792,670 | 1,327 |
| Average equity | $50,194,330 | 1,339 |
| Average total loans | $364,475,330 | 1,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 1,690 |
| Cost of funding earning assets | 1.3548% | 1,855 |
| Net interest margin | 4.0087% | 2,654 |
| Noninterest income to average assets | 1.4860% | 582 |
| Noninterest expense to average assets | 3.3247% | 2,480 |
| Loan and lease loss provision to assets | 0.6400% | 1,347 |
| Net operating income to assets | 1.1955% | 1,533 |
| Return on assets (ROA) | 0.5044% | 4,556 |
| Pretax return on assets | 0.5044% | 5,016 |
| Return on Equity (ROE) | 5.1941% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.0848% | 5,394 |
| Net charge-offs to loans | 0.6660% | 1,876 |
| Credit loss provision to net charge-offs | 131.6913% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.7767% | 2,636 |
| Efficiency ratio | 64.4293% | 5,293 |
| Assets per employee ($millions) | 3.0378% | 6,082 |
| Cash dividends to net income (ytd only)* | 79.1139% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,982 |
| Loan loss allowance to noncurrent loans | 147.3861% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.6859% | 3,722 |
| Noncurrent loans to loans | 1.2280% | 4,632 |
| Net loans and leases to total assets | 69.8331% | 2,162 |
| Net loans and leases to deposits | 81.9734% | 2,370 |
| Net loans and leases to core deposits | 85.1153% | 3,017 |
| Total domestic deposits to total assets | 85.1900% | 3,953 |
| Equity capital to assets | 9.6935% | 4,186 |
| Core capital (leverage) ratio | 9.9737% | 3,172 |
| Tier 1 risk-based capital ratio | 13.0272% | 4,809 |
| Total risk-based capital ratio | 14.2979% | 4,777 |
| Memoranda: | ||
| Average total assets | $501,221,500 | 1,348 |
| Average earning assets | $459,402,500 | 1,347 |
| Average equity | $48,670,500 | 1,369 |
| Average total loans | $365,751,000 | 1,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 1,741 |
| Cost of funding earning assets | 1.5796% | 2,192 |
| Net interest margin | 4.0733% | 2,689 |
| Noninterest income to average assets | 1.5575% | 605 |
| Noninterest expense to average assets | 3.2723% | 2,822 |
| Loan and lease loss provision to assets | 0.6450% | 2,556 |
| Net operating income to assets | 1.3543% | 1,035 |
| Return on assets (ROA) | 0.9904% | 2,176 |
| Pretax return on assets | 0.9904% | 2,960 |
| Return on Equity (ROE) | 10.3971% | 1,790 |
| Retained earnings to average equity (ytd only) | 2.9767% | 3,772 |
| Net charge-offs to loans | 0.5603% | 3,376 |
| Credit loss provision to net charge-offs | 153.7055% | 2,314 |
| Earnings coverage of net charge-offs (x) | 4.7642% | 2,813 |
| Efficiency ratio | 62.0733% | 5,721 |
| Assets per employee ($millions) | 2.8947% | 6,341 |
| Cash dividends to net income (ytd only)* | 71.3703% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,104 |
| Loan loss allowance to noncurrent loans | 180.1639% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 3,803 |
| Noncurrent loans to loans | 0.9603% | 5,131 |
| Net loans and leases to total assets | 73.5966% | 1,746 |
| Net loans and leases to deposits | 86.9559% | 1,945 |
| Net loans and leases to core deposits | 90.7539% | 2,654 |
| Total domestic deposits to total assets | 84.6366% | 4,037 |
| Equity capital to assets | 9.7279% | 4,085 |
| Core capital (leverage) ratio | 10.1636% | 2,908 |
| Tier 1 risk-based capital ratio | 12.8075% | 4,768 |
| Total risk-based capital ratio | 14.0665% | 4,729 |
| Memoranda: | ||
| Average total assets | $495,162,000 | 1,360 |
| Average earning assets | $451,502,000 | 1,350 |
| Average equity | $47,167,000 | 1,420 |
| Average total loans | $370,845,200 | 1,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7014% | 1,713 |
| Cost of funding earning assets | 1.6233% | 2,260 |
| Net interest margin | 4.0782% | 2,722 |
| Noninterest income to average assets | 1.5475% | 584 |
| Noninterest expense to average assets | 3.3606% | 2,401 |
| Loan and lease loss provision to assets | 0.6229% | 2,443 |
| Net operating income to assets | 1.2781% | 1,389 |
| Return on assets (ROA) | 0.9426% | 2,573 |
| Pretax return on assets | 0.9426% | 3,396 |
| Return on Equity (ROE) | 9.9478% | 2,144 |
| Retained earnings to average equity (ytd only) | 0.0170% | 5,772 |
| Net charge-offs to loans | 0.5672% | 3,052 |
| Credit loss provision to net charge-offs | 146.6456% | 2,680 |
| Earnings coverage of net charge-offs (x) | 4.4753% | 3,034 |
| Efficiency ratio | 63.8700% | 5,263 |
| Assets per employee ($millions) | 2.9368% | 6,293 |
| Cash dividends to net income (ytd only)* | 99.8289% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,351 |
| Loan loss allowance to noncurrent loans | 235.2687% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 4,339 |
| Noncurrent loans to loans | 0.6988% | 5,814 |
| Net loans and leases to total assets | 72.7198% | 2,070 |
| Net loans and leases to deposits | 85.8030% | 2,388 |
| Net loans and leases to core deposits | 89.5173% | 3,162 |
| Total domestic deposits to total assets | 84.7520% | 3,749 |
| Equity capital to assets | 9.3994% | 4,985 |
| Core capital (leverage) ratio | 9.7991% | 3,488 |
| Tier 1 risk-based capital ratio | 12.3229% | 5,152 |
| Total risk-based capital ratio | 13.5795% | 5,121 |
| Memoranda: | ||
| Average total assets | $495,927,750 | 1,371 |
| Average earning assets | $451,664,000 | 1,371 |
| Average equity | $46,991,000 | 1,432 |
| Average total loans | $371,420,500 | 1,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7103% | 1,724 |
| Cost of funding earning assets | 1.6647% | 2,313 |
| Net interest margin | 4.0456% | 2,814 |
| Noninterest income to average assets | 1.5009% | 570 |
| Noninterest expense to average assets | 3.3919% | 2,284 |
| Loan and lease loss provision to assets | 0.5596% | 2,532 |
| Net operating income to assets | 1.2332% | 1,474 |
| Return on assets (ROA) | 0.8825% | 2,739 |
| Pretax return on assets | 0.8825% | 3,567 |
| Return on Equity (ROE) | 9.2889% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.2889% | 1,016 |
| Net charge-offs to loans | 0.5364% | 2,921 |
| Credit loss provision to net charge-offs | 138.7226% | 2,893 |
| Earnings coverage of net charge-offs (x) | 4.4441% | 2,951 |
| Efficiency ratio | 65.4216% | 5,077 |
| Assets per employee ($millions) | 2.9570% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,834 |
| Loan loss allowance to noncurrent loans | 180.5050% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5440% | 4,144 |
| Noncurrent loans to loans | 0.8402% | 5,598 |
| Net loans and leases to total assets | 73.3943% | 2,060 |
| Net loans and leases to deposits | 87.6827% | 2,233 |
| Net loans and leases to core deposits | 92.6314% | 2,896 |
| Total domestic deposits to total assets | 83.7044% | 4,243 |
| Equity capital to assets | 9.6862% | 4,419 |
| Core capital (leverage) ratio | 10.1214% | 3,037 |
| Tier 1 risk-based capital ratio | 12.6163% | 4,761 |
| Total risk-based capital ratio | 13.8719% | 4,722 |
| Memoranda: | ||
| Average total assets | $496,776,000 | 1,369 |
| Average earning assets | $452,341,000 | 1,376 |
| Average equity | $47,196,330 | 1,421 |
| Average total loans | $373,632,670 | 1,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 1,671 |
| Cost of funding earning assets | 1.6716% | 2,531 |
| Net interest margin | 4.0570% | 2,622 |
| Noninterest income to average assets | 1.4626% | 557 |
| Noninterest expense to average assets | 3.5041% | 1,973 |
| Loan and lease loss provision to assets | 0.4054% | 2,936 |
| Net operating income to assets | 1.2477% | 1,408 |
| Return on assets (ROA) | 0.7882% | 3,135 |
| Pretax return on assets | 0.7882% | 3,917 |
| Return on Equity (ROE) | 8.3791% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.3791% | 1,565 |
| Net charge-offs to loans | 0.6189% | 2,270 |
| Credit loss provision to net charge-offs | 86.7012% | 3,730 |
| Earnings coverage of net charge-offs (x) | 3.5354% | 2,876 |
| Efficiency ratio | 67.9455% | 4,736 |
| Assets per employee ($millions) | 3.0000% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 4,482 |
| Loan loss allowance to noncurrent loans | 225.2499% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 4,355 |
| Noncurrent loans to loans | 0.6158% | 6,079 |
| Net loans and leases to total assets | 73.5476% | 2,069 |
| Net loans and leases to deposits | 87.7188% | 2,277 |
| Net loans and leases to core deposits | 92.5954% | 3,027 |
| Total domestic deposits to total assets | 83.8447% | 4,220 |
| Equity capital to assets | 9.5324% | 4,479 |
| Core capital (leverage) ratio | 9.9557% | 3,221 |
| Tier 1 risk-based capital ratio | 11.9451% | 5,254 |
| Total risk-based capital ratio | 13.2044% | 5,203 |
| Memoranda: | ||
| Average total assets | $495,298,500 | 1,404 |
| Average earning assets | $451,077,500 | 1,404 |
| Average equity | $46,592,000 | 1,446 |
| Average total loans | $374,238,000 | 1,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 1,597 |
| Cost of funding earning assets | 2.1294% | 2,329 |
| Net interest margin | 3.9418% | 3,112 |
| Noninterest income to average assets | 1.5544% | 595 |
| Noninterest expense to average assets | 3.0915% | 3,780 |
| Loan and lease loss provision to assets | 0.9397% | 2,400 |
| Net operating income to assets | 1.1181% | 1,469 |
| Return on assets (ROA) | 0.9695% | 2,002 |
| Pretax return on assets | 0.9695% | 2,690 |
| Return on Equity (ROE) | 10.8320% | 1,470 |
| Retained earnings to average equity (ytd only) | 2.6858% | 3,269 |
| Net charge-offs to loans | 1.3967% | 1,798 |
| Credit loss provision to net charge-offs | 87.6413% | 6,080 |
| Earnings coverage of net charge-offs (x) | 1.9192% | 4,284 |
| Efficiency ratio | 60.0370% | 6,487 |
| Assets per employee ($millions) | 2.9853% | 6,259 |
| Cash dividends to net income (ytd only)* | 75.2049% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,220 |
| Loan loss allowance to noncurrent loans | 166.4030% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6019% | 3,974 |
| Noncurrent loans to loans | 0.8433% | 5,604 |
| Net loans and leases to total assets | 75.4824% | 1,925 |
| Net loans and leases to deposits | 90.1371% | 2,196 |
| Net loans and leases to core deposits | 113.3354% | 2,560 |
| Total domestic deposits to total assets | 83.7418% | 4,157 |
| Equity capital to assets | 9.2783% | 4,724 |
| Core capital (leverage) ratio | 9.6178% | 3,572 |
| Tier 1 risk-based capital ratio | 11.7168% | 5,181 |
| Total risk-based capital ratio | 12.8964% | 5,205 |
| Memoranda: | ||
| Average total assets | $503,345,400 | 1,365 |
| Average earning assets | $459,050,200 | 1,372 |
| Average equity | $45,051,800 | 1,492 |
| Average total loans | $386,405,000 | 1,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0878% | 1,693 |
| Cost of funding earning assets | 2.2152% | 2,334 |
| Net interest margin | 3.8726% | 3,335 |
| Noninterest income to average assets | 1.5251% | 635 |
| Noninterest expense to average assets | 3.2050% | 3,284 |
| Loan and lease loss provision to assets | 0.6020% | 2,986 |
| Net operating income to assets | 1.2536% | 1,335 |
| Return on assets (ROA) | 1.2218% | 1,474 |
| Pretax return on assets | 1.2218% | 2,193 |
| Return on Equity (ROE) | 13.7724% | 968 |
| Retained earnings to average equity (ytd only) | 2.8885% | 3,709 |
| Net charge-offs to loans | 1.2960% | 1,584 |
| Credit loss provision to net charge-offs | 60.4651% | 6,161 |
| Earnings coverage of net charge-offs (x) | 1.8639% | 4,410 |
| Efficiency ratio | 63.3325% | 5,870 |
| Assets per employee ($millions) | 3.0572% | 6,017 |
| Cash dividends to net income (ytd only)* | 79.0266% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 5,380 |
| Loan loss allowance to noncurrent loans | 88.3373% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 4,272 |
| Noncurrent loans to loans | 1.3087% | 4,751 |
| Net loans and leases to total assets | 74.6513% | 2,325 |
| Net loans and leases to deposits | 89.7259% | 2,629 |
| Net loans and leases to core deposits | 117.0100% | 2,522 |
| Total domestic deposits to total assets | 83.1993% | 4,120 |
| Equity capital to assets | 8.9675% | 5,529 |
| Core capital (leverage) ratio | 9.3766% | 4,078 |
| Tier 1 risk-based capital ratio | 11.3952% | 5,544 |
| Total risk-based capital ratio | 12.4695% | 5,679 |
| Memoranda: | ||
| Average total assets | $506,783,750 | 1,380 |
| Average earning assets | $462,660,500 | 1,373 |
| Average equity | $44,958,250 | 1,513 |
| Average total loans | $389,302,250 | 1,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1357% | 1,668 |
| Cost of funding earning assets | 2.3015% | 2,352 |
| Net interest margin | 3.8342% | 3,393 |
| Noninterest income to average assets | 1.6156% | 570 |
| Noninterest expense to average assets | 3.2945% | 2,980 |
| Loan and lease loss provision to assets | 0.4892% | 3,088 |
| Net operating income to assets | 1.3286% | 1,163 |
| Return on assets (ROA) | 1.2864% | 1,349 |
| Pretax return on assets | 1.2864% | 2,063 |
| Return on Equity (ROE) | 14.5529% | 893 |
| Retained earnings to average equity (ytd only) | 1.5991% | 4,439 |
| Net charge-offs to loans | 0.4206% | 3,120 |
| Credit loss provision to net charge-offs | 150.5468% | 3,057 |
| Earnings coverage of net charge-offs (x) | 5.5942% | 2,803 |
| Efficiency ratio | 64.4424% | 5,817 |
| Assets per employee ($millions) | 2.9150% | 6,341 |
| Cash dividends to net income (ytd only)* | 89.0117% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,554 |
| Loan loss allowance to noncurrent loans | 97.1809% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 2,643 |
| Noncurrent loans to loans | 1.6903% | 3,972 |
| Net loans and leases to total assets | 75.3119% | 2,363 |
| Net loans and leases to deposits | 90.2657% | 2,793 |
| Net loans and leases to core deposits | 118.8083% | 2,474 |
| Total domestic deposits to total assets | 83.4336% | 4,047 |
| Equity capital to assets | 8.7541% | 5,676 |
| Core capital (leverage) ratio | 9.2037% | 4,302 |
| Tier 1 risk-based capital ratio | 11.0719% | 5,803 |
| Total risk-based capital ratio | 12.3295% | 5,716 |
| Memoranda: | ||
| Average total assets | $506,548,330 | 1,402 |
| Average earning assets | $461,951,330 | 1,399 |
| Average equity | $44,774,670 | 1,531 |
| Average total loans | $391,310,000 | 1,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2699% | 1,387 |
| Cost of funding earning assets | 2.3875% | 2,344 |
| Net interest margin | 3.8823% | 3,124 |
| Noninterest income to average assets | 1.4891% | 635 |
| Noninterest expense to average assets | 3.2493% | 2,798 |
| Loan and lease loss provision to assets | 0.3955% | 2,957 |
| Net operating income to assets | 1.3906% | 1,157 |
| Return on assets (ROA) | 1.3906% | 1,249 |
| Pretax return on assets | 1.3906% | 1,994 |
| Return on Equity (ROE) | 15.6579% | 875 |
| Retained earnings to average equity (ytd only) | 5.8994% | 2,675 |
| Net charge-offs to loans | 0.5341% | 2,116 |
| Credit loss provision to net charge-offs | 95.4373% | 3,885 |
| Earnings coverage of net charge-offs (x) | 4.3099% | 2,914 |
| Efficiency ratio | 64.5282% | 5,591 |
| Assets per employee ($millions) | 2.9830% | 6,203 |
| Cash dividends to net income (ytd only)* | 62.3229% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 2,979 |
| Loan loss allowance to noncurrent loans | 391.1862% | 904 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 4,441 |
| Noncurrent loans to loans | 0.3838% | 6,458 |
| Net loans and leases to total assets | 75.4782% | 2,397 |
| Net loans and leases to deposits | 90.8178% | 2,807 |
| Net loans and leases to core deposits | 118.1117% | 2,587 |
| Total domestic deposits to total assets | 83.1095% | 4,087 |
| Equity capital to assets | 8.8897% | 5,498 |
| Core capital (leverage) ratio | 9.2903% | 4,259 |
| Tier 1 risk-based capital ratio | 10.4195% | 6,477 |
| Total risk-based capital ratio | 11.6751% | 6,382 |
| Memoranda: | ||
| Average total assets | $507,676,500 | 1,399 |
| Average earning assets | $463,741,500 | 1,404 |
| Average equity | $45,089,000 | 1,525 |
| Average total loans | $393,897,500 | 1,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1172% | 886 |
| Cost of funding earning assets | 2.9255% | 2,159 |
| Net interest margin | 4.1916% | 2,345 |
| Noninterest income to average assets | 1.6499% | 506 |
| Noninterest expense to average assets | 3.2859% | 3,015 |
| Loan and lease loss provision to assets | 0.3489% | 3,609 |
| Net operating income to assets | 1.8342% | 515 |
| Return on assets (ROA) | 1.7738% | 560 |
| Pretax return on assets | 1.7807% | 983 |
| Return on Equity (ROE) | 20.3196% | 348 |
| Retained earnings to average equity (ytd only) | 7.9821% | 848 |
| Net charge-offs to loans | 0.2747% | 3,571 |
| Credit loss provision to net charge-offs | 163.9924% | 3,144 |
| Earnings coverage of net charge-offs (x) | 10.2932% | 2,538 |
| Efficiency ratio | 60.0067% | 6,337 |
| Assets per employee ($millions) | 2.8867% | 6,348 |
| Cash dividends to net income (ytd only)* | 60.7171% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,678 |
| Loan loss allowance to noncurrent loans | 130.5219% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 4,046 |
| Noncurrent loans to loans | 1.1507% | 4,236 |
| Net loans and leases to total assets | 77.3884% | 2,291 |
| Net loans and leases to deposits | 94.4137% | 2,695 |
| Net loans and leases to core deposits | 124.3685% | 2,297 |
| Total domestic deposits to total assets | 81.9674% | 4,217 |
| Equity capital to assets | 8.8730% | 5,535 |
| Core capital (leverage) ratio | 9.1974% | 4,446 |
| Tier 1 risk-based capital ratio | 10.2329% | 6,482 |
| Total risk-based capital ratio | 11.4837% | 6,346 |
| Memoranda: | ||
| Average total assets | $492,101,800 | 1,382 |
| Average earning assets | $449,181,200 | 1,384 |
| Average equity | $42,958,600 | 1,564 |
| Average total loans | $381,180,400 | 1,271 |