Home > Provident State Bank, Inc. > Performance and Condition Ratios
Provident State Bank, Inc., Performance and Condition Ratios
| 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 | 4.0759% | 3,301 |
| Cost of funding earning assets | 0.7158% | 3,005 |
| Net interest margin | 3.3601% | 2,731 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 4.3081% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.5252% | 4,589 |
| Return on assets (ROA) | -0.5252% | 4,577 |
| Pretax return on assets | -0.7599% | 4,589 |
| Return on Equity (ROE) | -7.3100% | 4,576 |
| Retained earnings to average equity (ytd only) | -36.3447% | 4,652 |
| Net charge-offs to loans | 0.0052% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -218.2000% | 4,689 |
| Efficiency ratio | 121.4174% | 69 |
| Assets per employee ($millions) | 7.1034% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 3,917 |
| Loan loss allowance to noncurrent loans | 737.5276% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 2,999 |
| Noncurrent loans to loans | 0.1186% | 2,923 |
| Net loans and leases to total assets | 66.6200% | 1,996 |
| Net loans and leases to deposits | 76.0161% | 2,115 |
| Net loans and leases to core deposits | 79.9121% | 2,261 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 7.1133% | 3,776 |
| Core capital (leverage) ratio | 9.3231% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3060% | 1,862 |
| Memoranda: | ||
| Average total assets | $574,269,500 | 1,570 |
| Average earning assets | $535,345,500 | 1,551 |
| Average equity | $41,238,500 | 1,859 |
| Average total loans | $381,361,500 | 1,520 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 2,553 |
| Cost of funding earning assets | 0.3393% | 2,559 |
| Net interest margin | 3.3507% | 2,422 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4966% | 2,130 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8595% | 3,116 |
| Return on assets (ROA) | 0.8595% | 3,047 |
| Pretax return on assets | 1.1162% | 2,716 |
| Return on Equity (ROE) | 11.0300% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.6109% | 1,599 |
| Net charge-offs to loans | -0.0277% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.7769% | 1,868 |
| Assets per employee ($millions) | 6.3072% | 2,506 |
| Cash dividends to net income (ytd only)* | 21.9473% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,008 |
| Loan loss allowance to noncurrent loans | 557.9019% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 2,645 |
| Noncurrent loans to loans | 0.1927% | 2,517 |
| Net loans and leases to total assets | 64.9200% | 2,150 |
| Net loans and leases to deposits | 73.8682% | 2,270 |
| Net loans and leases to core deposits | 76.2020% | 2,403 |
| Total domestic deposits to total assets | 87.8900% | 2,109 |
| Equity capital to assets | 7.2474% | 3,524 |
| Core capital (leverage) ratio | 9.7511% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9363% | 1,649 |
| Memoranda: | ||
| Average total assets | $583,123,800 | 1,530 |
| Average earning assets | $544,908,800 | 1,515 |
| Average equity | $45,430,800 | 1,743 |
| Average total loans | $371,580,200 | 1,486 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 2,447 |
| Cost of funding earning assets | 0.3149% | 2,016 |
| Net interest margin | 3.2408% | 2,497 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.4856% | 2,055 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7908% | 3,300 |
| Return on assets (ROA) | 0.7908% | 3,245 |
| Pretax return on assets | 1.0270% | 2,945 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,960 |
| Net charge-offs to loans | -0.0170% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.8992% | 1,774 |
| Assets per employee ($millions) | 6.3831% | 2,420 |
| Cash dividends to net income (ytd only)* | 18.7699% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,116 |
| Loan loss allowance to noncurrent loans | 205.4229% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 1,591 |
| Noncurrent loans to loans | 0.5247% | 1,487 |
| Net loans and leases to total assets | 63.8400% | 2,105 |
| Net loans and leases to deposits | 72.5298% | 2,165 |
| Net loans and leases to core deposits | 75.2225% | 2,257 |
| Total domestic deposits to total assets | 88.0100% | 2,436 |
| Equity capital to assets | 6.7208% | 3,652 |
| Core capital (leverage) ratio | 9.6575% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5896% | 1,850 |
| Memoranda: | ||
| Average total assets | $583,838,500 | 1,531 |
| Average earning assets | $546,186,000 | 1,520 |
| Average equity | $46,275,000 | 1,741 |
| Average total loans | $369,274,000 | 1,481 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 2,256 |
| Cost of funding earning assets | 0.3223% | 1,511 |
| Net interest margin | 3.1378% | 2,411 |
| Noninterest income to average assets | 0.5016% | 2,194 |
| Noninterest expense to average assets | 2.4352% | 2,130 |
| Loan and lease loss provision to assets | 0.0310% | 2,033 |
| Net operating income to assets | 0.7493% | 3,147 |
| Return on assets (ROA) | 0.7493% | 3,100 |
| Pretax return on assets | 0.9704% | 2,827 |
| Return on Equity (ROE) | 8.9874% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.9213% | 2,014 |
| Net charge-offs to loans | 0.0049% | 1,838 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 378 |
| Efficiency ratio | 70.8601% | 1,843 |
| Assets per employee ($millions) | 5.9249% | 2,814 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,282 |
| Loan loss allowance to noncurrent loans | 177.1288% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,458 |
| Noncurrent loans to loans | 0.6029% | 1,404 |
| Net loans and leases to total assets | 63.3853% | 1,975 |
| Net loans and leases to deposits | 72.5305% | 1,991 |
| Net loans and leases to core deposits | 74.9888% | 2,095 |
| Total domestic deposits to total assets | 87.3912% | 2,802 |
| Equity capital to assets | 7.5439% | 3,441 |
| Core capital (leverage) ratio | 9.5436% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6479% | 1,816 |
| Memoranda: | ||
| Average total assets | $580,576,667 | 1,542 |
| Average earning assets | $543,054,333 | 1,544 |
| Average equity | $48,401,333 | 1,721 |
| Average total loans | $364,672,333 | 1,490 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 2,158 |
| Cost of funding earning assets | 0.3352% | 1,322 |
| Net interest margin | 3.0415% | 2,358 |
| Noninterest income to average assets | 0.5174% | 2,054 |
| Noninterest expense to average assets | 2.4005% | 2,159 |
| Loan and lease loss provision to assets | 0.0172% | 2,044 |
| Net operating income to assets | 0.7317% | 2,921 |
| Return on assets (ROA) | 0.7317% | 2,913 |
| Pretax return on assets | 0.9446% | 2,614 |
| Return on Equity (ROE) | 8.3786% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.4062% | 2,106 |
| Net charge-offs to loans | 0.0410% | 873 |
| Credit loss provision to net charge-offs | 67.5676% | 1,144 |
| Earnings coverage of net charge-offs (x) | 37.7297% | 1,030 |
| Efficiency ratio | 71.3934% | 2,057 |
| Assets per employee ($millions) | 5.7043% | 3,115 |
| Cash dividends to net income (ytd only)* | 23.5405% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,454 |
| Loan loss allowance to noncurrent loans | 152.1569% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,381 |
| Noncurrent loans to loans | 0.7038% | 1,347 |
| Net loans and leases to total assets | 62.2147% | 1,837 |
| Net loans and leases to deposits | 72.6165% | 1,737 |
| Net loans and leases to core deposits | 74.5596% | 1,895 |
| Total domestic deposits to total assets | 85.6756% | 3,354 |
| Equity capital to assets | 8.2029% | 3,406 |
| Core capital (leverage) ratio | 9.5283% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6623% | 1,929 |
| Memoranda: | ||
| Average total assets | $580,543,000 | 1,557 |
| Average earning assets | $543,020,000 | 1,555 |
| Average equity | $50,700,500 | 1,720 |
| Average total loans | $361,000,500 | 1,490 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 1,447 |
| Cost of funding earning assets | 0.4691% | 1,066 |
| Net interest margin | 3.4937% | 1,755 |
| Noninterest income to average assets | 0.5948% | 2,181 |
| Noninterest expense to average assets | 2.5048% | 2,163 |
| Loan and lease loss provision to assets | 0.0980% | 1,267 |
| Net operating income to assets | 0.9713% | 2,790 |
| Return on assets (ROA) | 0.9718% | 2,851 |
| Pretax return on assets | 1.2799% | 2,418 |
| Return on Equity (ROE) | 10.4610% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.3914% | 1,391 |
| Net charge-offs to loans | 0.0674% | 1,120 |
| Credit loss provision to net charge-offs | 223.1076% | 1,238 |
| Earnings coverage of net charge-offs (x) | 31.3625% | 1,578 |
| Efficiency ratio | 64.5230% | 2,474 |
| Assets per employee ($millions) | 5.7916% | 2,965 |
| Cash dividends to net income (ytd only)* | 19.7840% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,430 |
| Loan loss allowance to noncurrent loans | 400.8239% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,775 |
| Noncurrent loans to loans | 0.2700% | 2,632 |
| Net loans and leases to total assets | 60.8237% | 2,079 |
| Net loans and leases to deposits | 71.9307% | 1,920 |
| Net loans and leases to core deposits | 73.5728% | 2,112 |
| Total domestic deposits to total assets | 84.5587% | 3,404 |
| Equity capital to assets | 9.2557% | 3,361 |
| Core capital (leverage) ratio | 9.4540% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7806% | 1,933 |
| Memoranda: | ||
| Average total assets | $571,592,600 | 1,507 |
| Average earning assets | $537,800,800 | 1,500 |
| Average equity | $53,102,000 | 1,677 |
| Average total loans | $372,247,000 | 1,451 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 1,342 |
| Cost of funding earning assets | 0.4951% | 1,070 |
| Net interest margin | 3.5879% | 1,628 |
| Noninterest income to average assets | 0.5906% | 2,249 |
| Noninterest expense to average assets | 2.4934% | 2,137 |
| Loan and lease loss provision to assets | 0.0774% | 1,519 |
| Net operating income to assets | 1.0422% | 2,761 |
| Return on assets (ROA) | 1.0429% | 2,821 |
| Pretax return on assets | 1.3956% | 2,353 |
| Return on Equity (ROE) | 11.2155% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.7016% | 1,411 |
| Net charge-offs to loans | -0.0036% | 3,341 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8779% | 2,557 |
| Assets per employee ($millions) | 5.8160% | 2,874 |
| Cash dividends to net income (ytd only)* | 13.4983% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,372 |
| Loan loss allowance to noncurrent loans | 323.9472% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,742 |
| Noncurrent loans to loans | 0.3440% | 2,552 |
| Net loans and leases to total assets | 59.8502% | 2,279 |
| Net loans and leases to deposits | 71.7690% | 2,073 |
| Net loans and leases to core deposits | 74.0632% | 2,236 |
| Total domestic deposits to total assets | 83.3929% | 3,610 |
| Equity capital to assets | 9.3658% | 3,496 |
| Core capital (leverage) ratio | 9.4444% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8664% | 2,020 |
| Memoranda: | ||
| Average total assets | $568,253,250 | 1,533 |
| Average earning assets | $534,521,000 | 1,518 |
| Average equity | $52,842,250 | 1,704 |
| Average total loans | $375,388,750 | 1,467 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 1,538 |
| Cost of funding earning assets | 0.5210% | 1,085 |
| Net interest margin | 3.4921% | 1,876 |
| Noninterest income to average assets | 0.5495% | 2,409 |
| Noninterest expense to average assets | 2.4189% | 2,401 |
| Loan and lease loss provision to assets | 0.0745% | 1,588 |
| Net operating income to assets | 1.0067% | 2,866 |
| Return on assets (ROA) | 1.0078% | 2,947 |
| Pretax return on assets | 1.3459% | 2,494 |
| Return on Equity (ROE) | 10.8644% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.3347% | 1,609 |
| Net charge-offs to loans | 0.0010% | 2,202 |
| Credit loss provision to net charge-offs | 10,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 2,000.0000% | 54 |
| Efficiency ratio | 63.0280% | 2,569 |
| Assets per employee ($millions) | 5.4324% | 3,205 |
| Cash dividends to net income (ytd only)* | 14.0795% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,799 |
| Loan loss allowance to noncurrent loans | 292.0647% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 2,789 |
| Noncurrent loans to loans | 0.3447% | 2,668 |
| Net loans and leases to total assets | 65.3454% | 1,781 |
| Net loans and leases to deposits | 78.1356% | 1,607 |
| Net loans and leases to core deposits | 80.6423% | 1,831 |
| Total domestic deposits to total assets | 83.6308% | 3,538 |
| Equity capital to assets | 9.3602% | 3,460 |
| Core capital (leverage) ratio | 9.2365% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0236% | 2,359 |
| Memoranda: | ||
| Average total assets | $563,806,000 | 1,538 |
| Average earning assets | $530,914,000 | 1,525 |
| Average equity | $52,299,333 | 1,709 |
| Average total loans | $383,182,000 | 1,459 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 1,734 |
| Cost of funding earning assets | 0.5389% | 1,169 |
| Net interest margin | 3.3973% | 2,121 |
| Noninterest income to average assets | 0.4953% | 2,634 |
| Noninterest expense to average assets | 2.4385% | 2,362 |
| Loan and lease loss provision to assets | 0.0642% | 1,853 |
| Net operating income to assets | 0.8963% | 3,131 |
| Return on assets (ROA) | 0.8963% | 3,213 |
| Pretax return on assets | 1.1911% | 2,869 |
| Return on Equity (ROE) | 9.7076% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.1618% | 2,184 |
| Net charge-offs to loans | -0.0021% | 3,145 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0162% | 2,235 |
| Assets per employee ($millions) | 5.8935% | 2,705 |
| Cash dividends to net income (ytd only)* | 15.9236% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 4,002 |
| Loan loss allowance to noncurrent loans | 230.4075% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,756 |
| Noncurrent loans to loans | 0.4149% | 2,614 |
| Net loans and leases to total assets | 66.6094% | 1,717 |
| Net loans and leases to deposits | 80.3681% | 1,489 |
| Net loans and leases to core deposits | 82.6881% | 1,782 |
| Total domestic deposits to total assets | 82.8804% | 3,713 |
| Equity capital to assets | 9.0307% | 3,648 |
| Core capital (leverage) ratio | 9.3237% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5770% | 2,455 |
| Memoranda: | ||
| Average total assets | $560,505,500 | 1,537 |
| Average earning assets | $527,716,500 | 1,519 |
| Average equity | $51,753,500 | 1,714 |
| Average total loans | $386,510,000 | 1,454 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 1,824 |
| Cost of funding earning assets | 0.7065% | 1,687 |
| Net interest margin | 3.6101% | 2,110 |
| Noninterest income to average assets | 0.6331% | 2,089 |
| Noninterest expense to average assets | 2.6254% | 2,463 |
| Loan and lease loss provision to assets | 0.0884% | 3,258 |
| Net operating income to assets | 0.9764% | 2,371 |
| Return on assets (ROA) | 0.9833% | 2,494 |
| Pretax return on assets | 1.3057% | 1,954 |
| Return on Equity (ROE) | 10.0780% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.7577% | 1,129 |
| Net charge-offs to loans | 0.0633% | 1,873 |
| Credit loss provision to net charge-offs | 182.8571% | 2,253 |
| Earnings coverage of net charge-offs (x) | 28.7265% | 1,649 |
| Efficiency ratio | 65.4577% | 2,612 |
| Assets per employee ($millions) | 5.8440% | 2,506 |
| Cash dividends to net income (ytd only)* | 23.0230% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,124 |
| Loan loss allowance to noncurrent loans | 206.1565% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 2,661 |
| Noncurrent loans to loans | 0.4473% | 2,628 |
| Net loans and leases to total assets | 70.0796% | 1,551 |
| Net loans and leases to deposits | 85.6522% | 1,276 |
| Net loans and leases to core deposits | 88.1405% | 1,679 |
| Total domestic deposits to total assets | 81.8188% | 3,703 |
| Equity capital to assets | 9.4443% | 3,664 |
| Core capital (leverage) ratio | 9.3503% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4788% | 2,455 |
| Memoranda: | ||
| Average total assets | $508,007,200 | 1,529 |
| Average earning assets | $475,310,000 | 1,520 |
| Average equity | $49,563,600 | 1,706 |
| Average total loans | $387,325,200 | 1,406 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 1,968 |
| Cost of funding earning assets | 0.7453% | 1,774 |
| Net interest margin | 3.6072% | 2,250 |
| Noninterest income to average assets | 0.5974% | 2,189 |
| Noninterest expense to average assets | 2.6249% | 2,466 |
| Loan and lease loss provision to assets | 0.1149% | 2,884 |
| Net operating income to assets | 0.9249% | 2,612 |
| Return on assets (ROA) | 0.9302% | 2,727 |
| Pretax return on assets | 1.2353% | 2,277 |
| Return on Equity (ROE) | 9.4504% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.6812% | 1,426 |
| Net charge-offs to loans | 0.0858% | 1,453 |
| Credit loss provision to net charge-offs | 172.2892% | 2,220 |
| Earnings coverage of net charge-offs (x) | 20.1406% | 1,911 |
| Efficiency ratio | 66.1446% | 2,452 |
| Assets per employee ($millions) | 5.8284% | 2,420 |
| Cash dividends to net income (ytd only)* | 18.7212% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,181 |
| Loan loss allowance to noncurrent loans | 282.3156% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,196 |
| Noncurrent loans to loans | 0.3061% | 3,182 |
| Net loans and leases to total assets | 75.3527% | 1,183 |
| Net loans and leases to deposits | 91.3310% | 1,127 |
| Net loans and leases to core deposits | 94.7657% | 1,569 |
| Total domestic deposits to total assets | 82.5051% | 3,281 |
| Equity capital to assets | 9.4072% | 3,764 |
| Core capital (leverage) ratio | 9.4588% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6415% | 2,748 |
| Memoranda: | ||
| Average total assets | $497,674,500 | 1,534 |
| Average earning assets | $465,101,250 | 1,526 |
| Average equity | $48,984,250 | 1,714 |
| Average total loans | $387,017,250 | 1,394 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,998 |
| Cost of funding earning assets | 0.7936% | 1,860 |
| Net interest margin | 3.6800% | 2,243 |
| Noninterest income to average assets | 0.5596% | 2,305 |
| Noninterest expense to average assets | 2.6830% | 2,435 |
| Loan and lease loss provision to assets | 0.1238% | 2,791 |
| Net operating income to assets | 0.8943% | 2,708 |
| Return on assets (ROA) | 0.9025% | 2,802 |
| Pretax return on assets | 1.1953% | 2,380 |
| Return on Equity (ROE) | 9.0199% | 2,356 |
| Retained earnings to average equity (ytd only) | 6.3293% | 1,929 |
| Net charge-offs to loans | 0.1178% | 1,141 |
| Credit loss provision to net charge-offs | 134.0807% | 2,210 |
| Earnings coverage of net charge-offs (x) | 14.1704% | 1,956 |
| Efficiency ratio | 67.2131% | 2,350 |
| Assets per employee ($millions) | 5.5695% | 2,576 |
| Cash dividends to net income (ytd only)* | 29.8302% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,224 |
| Loan loss allowance to noncurrent loans | 166.7149% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 2,644 |
| Noncurrent loans to loans | 0.5035% | 2,640 |
| Net loans and leases to total assets | 77.9867% | 848 |
| Net loans and leases to deposits | 95.4113% | 842 |
| Net loans and leases to core deposits | 98.9187% | 1,335 |
| Total domestic deposits to total assets | 81.7374% | 3,441 |
| Equity capital to assets | 9.4751% | 3,680 |
| Core capital (leverage) ratio | 9.4502% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2844% | 2,891 |
| Memoranda: | ||
| Average total assets | $482,885,000 | 1,550 |
| Average earning assets | $450,378,667 | 1,537 |
| Average equity | $48,315,333 | 1,724 |
| Average total loans | $378,688,333 | 1,402 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,923 |
| Cost of funding earning assets | 0.8598% | 2,060 |
| Net interest margin | 3.7662% | 2,096 |
| Noninterest income to average assets | 0.5716% | 2,169 |
| Noninterest expense to average assets | 2.8450% | 2,292 |
| Loan and lease loss provision to assets | 0.1029% | 2,396 |
| Net operating income to assets | 0.8544% | 2,689 |
| Return on assets (ROA) | 0.8544% | 2,784 |
| Pretax return on assets | 1.1276% | 2,429 |
| Return on Equity (ROE) | 8.2902% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.3534% | 2,140 |
| Net charge-offs to loans | 0.0983% | 1,093 |
| Credit loss provision to net charge-offs | 132.5843% | 1,651 |
| Earnings coverage of net charge-offs (x) | 15.9888% | 1,546 |
| Efficiency ratio | 69.8069% | 2,387 |
| Assets per employee ($millions) | 4.9195% | 2,727 |
| Cash dividends to net income (ytd only)* | 35.4251% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,974 |
| Loan loss allowance to noncurrent loans | 241.4306% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 3,154 |
| Noncurrent loans to loans | 0.3890% | 3,092 |
| Net loans and leases to total assets | 77.7532% | 1,015 |
| Net loans and leases to deposits | 97.9354% | 724 |
| Net loans and leases to core deposits | 102.1379% | 1,312 |
| Total domestic deposits to total assets | 79.3923% | 3,977 |
| Equity capital to assets | 10.4767% | 3,347 |
| Core capital (leverage) ratio | 10.2751% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0490% | 2,266 |
| Memoranda: | ||
| Average total assets | $462,562,500 | 1,559 |
| Average earning assets | $430,356,500 | 1,554 |
| Average equity | $47,670,500 | 1,736 |
| Average total loans | $362,162,500 | 1,416 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 2,542 |
| Cost of funding earning assets | 0.8903% | 2,233 |
| Net interest margin | 3.7320% | 2,728 |
| Noninterest income to average assets | 0.5721% | 2,361 |
| Noninterest expense to average assets | 2.9204% | 2,232 |
| Loan and lease loss provision to assets | 0.0673% | 2,670 |
| Net operating income to assets | 0.8420% | 3,411 |
| Return on assets (ROA) | 0.8423% | 3,501 |
| Pretax return on assets | 1.0697% | 3,262 |
| Return on Equity (ROE) | 8.7658% | 2,856 |
| Retained earnings to average equity (ytd only) | 7.0140% | 1,382 |
| Net charge-offs to loans | 0.0886% | 1,848 |
| Credit loss provision to net charge-offs | 97.0874% | 2,553 |
| Earnings coverage of net charge-offs (x) | 16.3883% | 2,174 |
| Efficiency ratio | 71.9850% | 1,873 |
| Assets per employee ($millions) | 4.9222% | 2,683 |
| Cash dividends to net income (ytd only)* | 19.9840% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,810 |
| Loan loss allowance to noncurrent loans | 170.9302% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,618 |
| Noncurrent loans to loans | 0.5474% | 2,531 |
| Net loans and leases to total assets | 77.3686% | 1,184 |
| Net loans and leases to deposits | 97.4053% | 806 |
| Net loans and leases to core deposits | 100.9259% | 1,490 |
| Total domestic deposits to total assets | 79.4296% | 4,096 |
| Equity capital to assets | 10.1349% | 3,800 |
| Core capital (leverage) ratio | 10.0761% | 3,433 |
| Tier 1 risk-based capital ratio | 12.9488% | 3,817 |
| Total risk-based capital ratio | 13.8932% | 3,871 |
| Memoranda: | ||
| Average total assets | $445,563,000 | 1,574 |
| Average earning assets | $416,045,600 | 1,562 |
| Average equity | $42,814,200 | 1,822 |
| Average total loans | $348,824,200 | 1,425 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 2,703 |
| Cost of funding earning assets | 0.8743% | 2,348 |
| Net interest margin | 3.7313% | 2,819 |
| Noninterest income to average assets | 0.5774% | 2,323 |
| Noninterest expense to average assets | 2.9988% | 1,984 |
| Loan and lease loss provision to assets | 0.0514% | 2,879 |
| Net operating income to assets | 0.7688% | 3,775 |
| Return on assets (ROA) | 0.7693% | 3,846 |
| Pretax return on assets | 1.0158% | 3,541 |
| Return on Equity (ROE) | 8.1221% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.3675% | 2,189 |
| Net charge-offs to loans | 0.0937% | 1,535 |
| Credit loss provision to net charge-offs | 69.9588% | 2,620 |
| Earnings coverage of net charge-offs (x) | 14.5268% | 2,242 |
| Efficiency ratio | 73.7644% | 1,606 |
| Assets per employee ($millions) | 4.5281% | 3,155 |
| Cash dividends to net income (ytd only)* | 21.6027% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,826 |
| Loan loss allowance to noncurrent loans | 132.9459% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,230 |
| Noncurrent loans to loans | 0.7155% | 2,174 |
| Net loans and leases to total assets | 75.5216% | 1,561 |
| Net loans and leases to deposits | 94.9074% | 1,132 |
| Net loans and leases to core deposits | 99.7732% | 1,678 |
| Total domestic deposits to total assets | 79.5740% | 4,077 |
| Equity capital to assets | 9.6030% | 4,383 |
| Core capital (leverage) ratio | 9.7178% | 3,948 |
| Tier 1 risk-based capital ratio | 12.6799% | 4,039 |
| Total risk-based capital ratio | 13.6539% | 4,075 |
| Memoranda: | ||
| Average total assets | $441,281,250 | 1,593 |
| Average earning assets | $412,502,000 | 1,584 |
| Average equity | $41,794,500 | 1,864 |
| Average total loans | $345,690,750 | 1,445 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 2,742 |
| Cost of funding earning assets | 0.8508% | 2,390 |
| Net interest margin | 3.7266% | 2,845 |
| Noninterest income to average assets | 0.5616% | 2,334 |
| Noninterest expense to average assets | 3.0588% | 1,842 |
| Loan and lease loss provision to assets | 0.0505% | 2,806 |
| Net operating income to assets | 0.7195% | 3,935 |
| Return on assets (ROA) | 0.7198% | 3,993 |
| Pretax return on assets | 0.9474% | 3,718 |
| Return on Equity (ROE) | 7.6375% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.9338% | 2,312 |
| Net charge-offs to loans | 0.1387% | 1,098 |
| Credit loss provision to net charge-offs | 46.0251% | 2,497 |
| Earnings coverage of net charge-offs (x) | 9.0962% | 2,360 |
| Efficiency ratio | 75.4100% | 1,470 |
| Assets per employee ($millions) | 4.4886% | 3,156 |
| Cash dividends to net income (ytd only)* | 22.3072% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 3,911 |
| Loan loss allowance to noncurrent loans | 123.1583% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 2,187 |
| Noncurrent loans to loans | 0.7647% | 2,069 |
| Net loans and leases to total assets | 77.1656% | 1,362 |
| Net loans and leases to deposits | 96.8723% | 946 |
| Net loans and leases to core deposits | 102.0508% | 1,548 |
| Total domestic deposits to total assets | 79.6570% | 4,104 |
| Equity capital to assets | 9.5187% | 4,388 |
| Core capital (leverage) ratio | 9.6108% | 4,024 |
| Tier 1 risk-based capital ratio | 12.4614% | 4,148 |
| Total risk-based capital ratio | 13.4345% | 4,191 |
| Memoranda: | ||
| Average total assets | $435,929,000 | 1,610 |
| Average earning assets | $408,788,330 | 1,598 |
| Average equity | $41,086,670 | 1,892 |
| Average total loans | $344,685,670 | 1,458 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 2,622 |
| Cost of funding earning assets | 0.8483% | 2,280 |
| Net interest margin | 3.7275% | 2,792 |
| Noninterest income to average assets | 0.5439% | 2,318 |
| Noninterest expense to average assets | 3.1012% | 1,732 |
| Loan and lease loss provision to assets | 0.0927% | 1,874 |
| Net operating income to assets | 0.6504% | 4,089 |
| Return on assets (ROA) | 0.6504% | 4,122 |
| Pretax return on assets | 0.8515% | 3,914 |
| Return on Equity (ROE) | 6.9366% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.9366% | 2,070 |
| Net charge-offs to loans | 0.1617% | 835 |
| Credit loss provision to net charge-offs | 71.9424% | 1,838 |
| Earnings coverage of net charge-offs (x) | 7.3309% | 2,143 |
| Efficiency ratio | 76.6606% | 1,424 |
| Assets per employee ($millions) | 4.4091% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,835 |
| Loan loss allowance to noncurrent loans | 108.2391% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 1,929 |
| Noncurrent loans to loans | 0.9032% | 1,853 |
| Net loans and leases to total assets | 77.7391% | 1,201 |
| Net loans and leases to deposits | 99.4126% | 675 |
| Net loans and leases to core deposits | 104.8612% | 1,256 |
| Total domestic deposits to total assets | 78.1984% | 4,483 |
| Equity capital to assets | 9.4417% | 4,310 |
| Core capital (leverage) ratio | 9.4676% | 4,166 |
| Tier 1 risk-based capital ratio | 12.3605% | 4,262 |
| Total risk-based capital ratio | 13.3648% | 4,284 |
| Memoranda: | ||
| Average total assets | $431,709,000 | 1,627 |
| Average earning assets | $405,526,000 | 1,613 |
| Average equity | $40,481,000 | 1,910 |
| Average total loans | $343,948,500 | 1,467 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 2,483 |
| Cost of funding earning assets | 0.7245% | 1,931 |
| Net interest margin | 3.7671% | 2,797 |
| Noninterest income to average assets | 0.6832% | 1,919 |
| Noninterest expense to average assets | 2.8178% | 2,631 |
| Loan and lease loss provision to assets | 0.2955% | 546 |
| Net operating income to assets | 0.8787% | 3,504 |
| Return on assets (ROA) | 0.8666% | 3,546 |
| Pretax return on assets | 1.1181% | 3,208 |
| Return on Equity (ROE) | 9.6074% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.2923% | 2,040 |
| Net charge-offs to loans | 0.2729% | 709 |
| Credit loss provision to net charge-offs | 135.3383% | 1,973 |
| Earnings coverage of net charge-offs (x) | 6.5435% | 3,080 |
| Efficiency ratio | 66.3537% | 2,811 |
| Assets per employee ($millions) | 4.7968% | 2,749 |
| Cash dividends to net income (ytd only)* | 34.5061% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,798 |
| Loan loss allowance to noncurrent loans | 160.6161% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 2,534 |
| Noncurrent loans to loans | 0.6112% | 2,449 |
| Net loans and leases to total assets | 80.0685% | 934 |
| Net loans and leases to deposits | 101.7672% | 609 |
| Net loans and leases to core deposits | 106.3990% | 1,241 |
| Total domestic deposits to total assets | 78.6781% | 4,374 |
| Equity capital to assets | 9.3107% | 4,310 |
| Core capital (leverage) ratio | 9.4392% | 4,185 |
| Tier 1 risk-based capital ratio | 12.1864% | 4,304 |
| Total risk-based capital ratio | 13.2052% | 4,345 |
| Memoranda: | ||
| Average total assets | $426,360,800 | 1,604 |
| Average earning assets | $403,307,600 | 1,574 |
| Average equity | $38,459,800 | 1,917 |
| Average total loans | $341,118,800 | 1,436 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,547 |
| Cost of funding earning assets | 0.7111% | 1,791 |
| Net interest margin | 3.7144% | 2,967 |
| Noninterest income to average assets | 0.7057% | 1,842 |
| Noninterest expense to average assets | 2.8016% | 2,626 |
| Loan and lease loss provision to assets | 0.2690% | 565 |
| Net operating income to assets | 0.8710% | 3,657 |
| Return on assets (ROA) | 0.8584% | 3,706 |
| Pretax return on assets | 1.1340% | 3,267 |
| Return on Equity (ROE) | 9.5931% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.5931% | 1,028 |
| Net charge-offs to loans | 0.2658% | 627 |
| Credit loss provision to net charge-offs | 126.8437% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.6902% | 2,862 |
| Efficiency ratio | 66.3801% | 2,801 |
| Assets per employee ($millions) | 4.9191% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,130 |
| Loan loss allowance to noncurrent loans | 138.8271% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 2,534 |
| Noncurrent loans to loans | 0.6710% | 2,402 |
| Net loans and leases to total assets | 78.7823% | 1,199 |
| Net loans and leases to deposits | 96.5448% | 1,087 |
| Net loans and leases to core deposits | 100.9793% | 1,701 |
| Total domestic deposits to total assets | 81.6018% | 3,707 |
| Equity capital to assets | 8.8530% | 4,677 |
| Core capital (leverage) ratio | 9.2838% | 4,418 |
| Tier 1 risk-based capital ratio | 11.9581% | 4,523 |
| Total risk-based capital ratio | 12.9255% | 4,578 |
| Memoranda: | ||
| Average total assets | $426,221,500 | 1,615 |
| Average earning assets | $403,324,250 | 1,588 |
| Average equity | $38,137,500 | 1,938 |
| Average total loans | $340,094,500 | 1,438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,490 |
| Cost of funding earning assets | 0.7025% | 1,609 |
| Net interest margin | 3.6769% | 3,018 |
| Noninterest income to average assets | 0.7236% | 1,775 |
| Noninterest expense to average assets | 2.7621% | 2,793 |
| Loan and lease loss provision to assets | 0.2889% | 482 |
| Net operating income to assets | 0.8674% | 3,594 |
| Return on assets (ROA) | 0.8651% | 3,606 |
| Pretax return on assets | 1.1469% | 3,143 |
| Return on Equity (ROE) | 9.6335% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.6335% | 1,029 |
| Net charge-offs to loans | 0.4031% | 387 |
| Credit loss provision to net charge-offs | 89.7059% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.4676% | 2,788 |
| Efficiency ratio | 65.7536% | 3,022 |
| Assets per employee ($millions) | 4.9119% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,416 |
| Loan loss allowance to noncurrent loans | 116.8816% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 2,409 |
| Noncurrent loans to loans | 0.7537% | 2,234 |
| Net loans and leases to total assets | 76.9850% | 1,471 |
| Net loans and leases to deposits | 95.6032% | 1,184 |
| Net loans and leases to core deposits | 99.8522% | 1,750 |
| Total domestic deposits to total assets | 80.5255% | 4,129 |
| Equity capital to assets | 8.7576% | 4,757 |
| Core capital (leverage) ratio | 9.0923% | 4,596 |
| Tier 1 risk-based capital ratio | 12.2405% | 4,345 |
| Total risk-based capital ratio | 13.1714% | 4,429 |
| Memoranda: | ||
| Average total assets | $422,360,670 | 1,632 |
| Average earning assets | $399,414,670 | 1,606 |
| Average equity | $37,930,330 | 1,950 |
| Average total loans | $337,407,670 | 1,450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,381 |
| Cost of funding earning assets | 0.6653% | 1,626 |
| Net interest margin | 3.6757% | 2,904 |
| Noninterest income to average assets | 0.7480% | 1,631 |
| Noninterest expense to average assets | 2.8398% | 2,570 |
| Loan and lease loss provision to assets | 0.2130% | 756 |
| Net operating income to assets | 0.8838% | 3,358 |
| Return on assets (ROA) | 0.8907% | 3,345 |
| Pretax return on assets | 1.1760% | 2,862 |
| Return on Equity (ROE) | 9.7900% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.7900% | 1,224 |
| Net charge-offs to loans | 0.0155% | 2,209 |
| Credit loss provision to net charge-offs | 1,700.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 110.1538% | 567 |
| Efficiency ratio | 67.2910% | 2,955 |
| Assets per employee ($millions) | 4.5883% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,112 |
| Loan loss allowance to noncurrent loans | 101.6169% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 2,047 |
| Noncurrent loans to loans | 0.9556% | 1,916 |
| Net loans and leases to total assets | 78.9563% | 1,091 |
| Net loans and leases to deposits | 99.9574% | 709 |
| Net loans and leases to core deposits | 104.8979% | 1,315 |
| Total domestic deposits to total assets | 78.9899% | 4,582 |
| Equity capital to assets | 8.9425% | 4,622 |
| Core capital (leverage) ratio | 9.3634% | 4,237 |
| Tier 1 risk-based capital ratio | 12.0908% | 4,501 |
| Total risk-based capital ratio | 13.1107% | 4,525 |
| Memoranda: | ||
| Average total assets | $414,960,000 | 1,667 |
| Average earning assets | $391,982,000 | 1,641 |
| Average equity | $37,753,000 | 1,964 |
| Average total loans | $336,341,500 | 1,464 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 2,035 |
| Cost of funding earning assets | 0.5709% | 1,824 |
| Net interest margin | 3.8248% | 2,339 |
| Noninterest income to average assets | 0.8002% | 1,566 |
| Noninterest expense to average assets | 3.1223% | 1,791 |
| Loan and lease loss provision to assets | 0.2344% | 822 |
| Net operating income to assets | 0.5658% | 4,161 |
| Return on assets (ROA) | 0.5701% | 4,178 |
| Pretax return on assets | 1.0257% | 3,476 |
| Return on Equity (ROE) | 6.3070% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.3070% | 1,379 |
| Net charge-offs to loans | 0.1832% | 1,373 |
| Credit loss provision to net charge-offs | 157.2165% | 1,701 |
| Earnings coverage of net charge-offs (x) | 8.4055% | 2,916 |
| Efficiency ratio | 71.3550% | 2,327 |
| Assets per employee ($millions) | 4.5311% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,418 |
| Loan loss allowance to noncurrent loans | 93.6639% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 1,380 |
| Noncurrent loans to loans | 0.9720% | 1,819 |
| Net loans and leases to total assets | 81.6736% | 729 |
| Net loans and leases to deposits | 103.4151% | 522 |
| Net loans and leases to core deposits | 107.7403% | 1,150 |
| Total domestic deposits to total assets | 78.9764% | 4,552 |
| Equity capital to assets | 9.2590% | 4,466 |
| Core capital (leverage) ratio | 9.3181% | 4,265 |
| Tier 1 risk-based capital ratio | 11.8057% | 4,659 |
| Total risk-based capital ratio | 12.7494% | 4,745 |
| Memoranda: | ||
| Average total assets | $390,287,400 | 1,750 |
| Average earning assets | $364,852,400 | 1,737 |
| Average equity | $35,278,200 | 2,063 |
| Average total loans | $317,666,400 | 1,493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 2,031 |
| Cost of funding earning assets | 0.5506% | 1,885 |
| Net interest margin | 3.8252% | 2,301 |
| Noninterest income to average assets | 0.7559% | 1,754 |
| Noninterest expense to average assets | 3.2090% | 1,536 |
| Loan and lease loss provision to assets | 0.1814% | 1,099 |
| Net operating income to assets | 0.6062% | 4,368 |
| Return on assets (ROA) | 0.6143% | 4,382 |
| Pretax return on assets | 0.9470% | 3,881 |
| Return on Equity (ROE) | 6.8400% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.8400% | 1,776 |
| Net charge-offs to loans | 0.1951% | 1,090 |
| Credit loss provision to net charge-offs | 114.6288% | 2,083 |
| Earnings coverage of net charge-offs (x) | 7.0524% | 2,916 |
| Efficiency ratio | 74.1972% | 1,866 |
| Assets per employee ($millions) | 4.4464% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,726 |
| Loan loss allowance to noncurrent loans | 85.2349% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 1,411 |
| Noncurrent loans to loans | 1.0068% | 1,931 |
| Net loans and leases to total assets | 80.6626% | 891 |
| Net loans and leases to deposits | 102.2497% | 599 |
| Net loans and leases to core deposits | 107.4669% | 1,173 |
| Total domestic deposits to total assets | 78.8878% | 4,550 |
| Equity capital to assets | 9.4223% | 4,523 |
| Core capital (leverage) ratio | 9.5434% | 4,103 |
| Tier 1 risk-based capital ratio | 11.9336% | 4,678 |
| Total risk-based capital ratio | 12.8103% | 4,805 |
| Memoranda: | ||
| Average total assets | $385,909,500 | 1,778 |
| Average earning assets | $360,055,750 | 1,762 |
| Average equity | $34,658,250 | 2,114 |
| Average total loans | $313,052,000 | 1,521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,059 |
| Cost of funding earning assets | 0.5210% | 2,003 |
| Net interest margin | 3.8008% | 2,282 |
| Noninterest income to average assets | 0.7462% | 1,785 |
| Noninterest expense to average assets | 3.1845% | 1,619 |
| Loan and lease loss provision to assets | 0.1994% | 926 |
| Net operating income to assets | 0.5936% | 4,338 |
| Return on assets (ROA) | 0.6061% | 4,324 |
| Pretax return on assets | 0.9141% | 3,885 |
| Return on Equity (ROE) | 6.8663% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.8663% | 1,657 |
| Net charge-offs to loans | 0.2992% | 677 |
| Credit loss provision to net charge-offs | 82.2511% | 2,238 |
| Earnings coverage of net charge-offs (x) | 4.5152% | 2,917 |
| Efficiency ratio | 74.4206% | 1,938 |
| Assets per employee ($millions) | 4.2866% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 4,873 |
| Loan loss allowance to noncurrent loans | 80.9364% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 1,355 |
| Noncurrent loans to loans | 1.0248% | 1,919 |
| Net loans and leases to total assets | 79.3257% | 1,047 |
| Net loans and leases to deposits | 100.0693% | 730 |
| Net loans and leases to core deposits | 104.7490% | 1,311 |
| Total domestic deposits to total assets | 79.2707% | 4,567 |
| Equity capital to assets | 9.3098% | 4,612 |
| Core capital (leverage) ratio | 9.6912% | 3,904 |
| Tier 1 risk-based capital ratio | 12.1348% | 4,542 |
| Total risk-based capital ratio | 12.9918% | 4,696 |
| Memoranda: | ||
| Average total assets | $381,153,670 | 1,801 |
| Average earning assets | $354,289,330 | 1,793 |
| Average equity | $33,642,330 | 2,160 |
| Average total loans | $308,873,670 | 1,534 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 1,890 |
| Cost of funding earning assets | 0.5019% | 2,071 |
| Net interest margin | 3.8243% | 2,032 |
| Noninterest income to average assets | 0.8109% | 1,515 |
| Noninterest expense to average assets | 3.2051% | 1,595 |
| Loan and lease loss provision to assets | 0.2041% | 806 |
| Net operating income to assets | 0.6282% | 4,026 |
| Return on assets (ROA) | 0.6488% | 3,973 |
| Pretax return on assets | 0.9764% | 3,476 |
| Return on Equity (ROE) | 7.5721% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,620 |
| Net charge-offs to loans | 0.4910% | 377 |
| Credit loss provision to net charge-offs | 50.9383% | 1,976 |
| Earnings coverage of net charge-offs (x) | 2.8686% | 2,539 |
| Efficiency ratio | 73.6063% | 2,297 |
| Assets per employee ($millions) | 4.1981% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 5,009 |
| Loan loss allowance to noncurrent loans | 71.4406% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 1,254 |
| Noncurrent loans to loans | 1.1481% | 1,776 |
| Net loans and leases to total assets | 81.4211% | 635 |
| Net loans and leases to deposits | 97.3119% | 826 |
| Net loans and leases to core deposits | 101.1289% | 1,434 |
| Total domestic deposits to total assets | 83.6703% | 3,594 |
| Equity capital to assets | 8.5555% | 5,197 |
| Core capital (leverage) ratio | 8.8512% | 4,903 |
| Tier 1 risk-based capital ratio | 11.0298% | 5,289 |
| Total risk-based capital ratio | 11.8802% | 5,404 |
| Memoranda: | ||
| Average total assets | $372,403,500 | 1,849 |
| Average earning assets | $345,056,000 | 1,849 |
| Average equity | $31,906,500 | 2,244 |
| Average total loans | $303,870,500 | 1,561 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 1,823 |
| Cost of funding earning assets | 0.5286% | 1,879 |
| Net interest margin | 3.8708% | 2,063 |
| Noninterest income to average assets | 0.4761% | 3,372 |
| Noninterest expense to average assets | 3.0231% | 2,277 |
| Loan and lease loss provision to assets | 0.4159% | 362 |
| Net operating income to assets | 0.4143% | 4,895 |
| Return on assets (ROA) | 0.4440% | 4,897 |
| Pretax return on assets | 0.6338% | 4,695 |
| Return on Equity (ROE) | 5.3223% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.1064% | 2,986 |
| Net charge-offs to loans | 0.3257% | 847 |
| Credit loss provision to net charge-offs | 160.5145% | 1,717 |
| Earnings coverage of net charge-offs (x) | 3.8881% | 3,595 |
| Efficiency ratio | 75.0072% | 2,138 |
| Assets per employee ($millions) | 4.1234% | 3,743 |
| Cash dividends to net income (ytd only)* | 22.8460% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,721 |
| Loan loss allowance to noncurrent loans | 67.1014% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 990 |
| Noncurrent loans to loans | 1.3657% | 1,501 |
| Net loans and leases to total assets | 80.3420% | 844 |
| Net loans and leases to deposits | 96.6990% | 936 |
| Net loans and leases to core deposits | 99.1199% | 1,698 |
| Total domestic deposits to total assets | 83.0846% | 3,743 |
| Equity capital to assets | 8.5803% | 5,209 |
| Core capital (leverage) ratio | 8.7016% | 5,074 |
| Tier 1 risk-based capital ratio | 11.1487% | 5,253 |
| Total risk-based capital ratio | 12.0872% | 5,312 |
| Memoranda: | ||
| Average total assets | $345,072,200 | 1,923 |
| Average earning assets | $316,859,000 | 1,933 |
| Average equity | $28,784,400 | 2,467 |
| Average total loans | $274,478,800 | 1,648 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 2,004 |
| Cost of funding earning assets | 0.5335% | 1,850 |
| Net interest margin | 3.8144% | 2,281 |
| Noninterest income to average assets | 0.3679% | 4,144 |
| Noninterest expense to average assets | 2.9289% | 2,547 |
| Loan and lease loss provision to assets | 0.3926% | 372 |
| Net operating income to assets | 0.3851% | 5,067 |
| Return on assets (ROA) | 0.4091% | 5,077 |
| Pretax return on assets | 0.5803% | 4,928 |
| Return on Equity (ROE) | 4.9426% | 4,539 |
| Retained earnings to average equity (ytd only) | 3.7568% | 3,630 |
| Net charge-offs to loans | 0.2253% | 1,040 |
| Credit loss provision to net charge-offs | 220.2643% | 1,337 |
| Earnings coverage of net charge-offs (x) | 5.2687% | 3,155 |
| Efficiency ratio | 75.7207% | 2,017 |
| Assets per employee ($millions) | 4.0715% | 3,834 |
| Cash dividends to net income (ytd only)* | 23.9927% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 4,738 |
| Loan loss allowance to noncurrent loans | 139.4589% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 1,618 |
| Noncurrent loans to loans | 0.6687% | 3,019 |
| Net loans and leases to total assets | 80.0885% | 883 |
| Net loans and leases to deposits | 97.4467% | 903 |
| Net loans and leases to core deposits | 100.4886% | 1,586 |
| Total domestic deposits to total assets | 82.1870% | 3,885 |
| Equity capital to assets | 8.8268% | 5,303 |
| Core capital (leverage) ratio | 8.9452% | 4,887 |
| Tier 1 risk-based capital ratio | 11.2685% | 5,220 |
| Total risk-based capital ratio | 12.2305% | 5,294 |
| Memoranda: | ||
| Average total assets | $339,595,250 | 1,956 |
| Average earning assets | $311,622,250 | 1,967 |
| Average equity | $28,108,500 | 2,525 |
| Average total loans | $268,707,000 | 1,682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,072 |
| Cost of funding earning assets | 0.5414% | 1,772 |
| Net interest margin | 3.7844% | 2,387 |
| Noninterest income to average assets | 0.3163% | 4,518 |
| Noninterest expense to average assets | 2.8668% | 2,783 |
| Loan and lease loss provision to assets | 0.3313% | 500 |
| Net operating income to assets | 0.4099% | 5,008 |
| Return on assets (ROA) | 0.4343% | 5,012 |
| Pretax return on assets | 0.6187% | 4,840 |
| Return on Equity (ROE) | 5.3773% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.6315% | 2,954 |
| Net charge-offs to loans | 0.1642% | 1,350 |
| Credit loss provision to net charge-offs | 257.0093% | 1,074 |
| Earnings coverage of net charge-offs (x) | 7.0981% | 2,669 |
| Efficiency ratio | 75.8044% | 2,109 |
| Assets per employee ($millions) | 4.3048% | 3,357 |
| Cash dividends to net income (ytd only)* | 13.8696% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,935 |
| Loan loss allowance to noncurrent loans | 208.4298% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 1,703 |
| Noncurrent loans to loans | 0.4350% | 3,809 |
| Net loans and leases to total assets | 78.0901% | 1,189 |
| Net loans and leases to deposits | 93.9977% | 1,294 |
| Net loans and leases to core deposits | 103.4365% | 1,368 |
| Total domestic deposits to total assets | 83.0766% | 3,616 |
| Equity capital to assets | 8.1033% | 5,770 |
| Core capital (leverage) ratio | 8.3670% | 5,476 |
| Tier 1 risk-based capital ratio | 10.4330% | 5,700 |
| Total risk-based capital ratio | 11.3527% | 5,760 |
| Memoranda: | ||
| Average total assets | $332,005,670 | 2,007 |
| Average earning assets | $304,041,000 | 2,027 |
| Average equity | $26,816,330 | 2,605 |
| Average total loans | $260,628,000 | 1,732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,180 |
| Cost of funding earning assets | 0.4995% | 2,109 |
| Net interest margin | 3.7867% | 2,340 |
| Noninterest income to average assets | 0.3173% | 4,462 |
| Noninterest expense to average assets | 2.8192% | 3,000 |
| Loan and lease loss provision to assets | 0.2799% | 590 |
| Net operating income to assets | 0.4897% | 4,671 |
| Return on assets (ROA) | 0.5026% | 4,718 |
| Pretax return on assets | 0.7266% | 4,427 |
| Return on Equity (ROE) | 6.2340% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.2340% | 2,265 |
| Net charge-offs to loans | 0.0619% | 1,878 |
| Credit loss provision to net charge-offs | 576.9231% | 542 |
| Earnings coverage of net charge-offs (x) | 20.3590% | 1,466 |
| Efficiency ratio | 74.0523% | 2,467 |
| Assets per employee ($millions) | 4.6016% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 5,013 |
| Loan loss allowance to noncurrent loans | 160.3786% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 1,357 |
| Noncurrent loans to loans | 0.5695% | 3,484 |
| Net loans and leases to total assets | 78.7642% | 981 |
| Net loans and leases to deposits | 95.4950% | 989 |
| Net loans and leases to core deposits | 102.3396% | 1,309 |
| Total domestic deposits to total assets | 82.4799% | 4,075 |
| Equity capital to assets | 8.0329% | 5,815 |
| Core capital (leverage) ratio | 8.1421% | 5,691 |
| Tier 1 risk-based capital ratio | 10.2861% | 5,833 |
| Total risk-based capital ratio | 11.2115% | 5,883 |
| Memoranda: | ||
| Average total assets | $321,513,000 | 2,075 |
| Average earning assets | $296,303,000 | 2,080 |
| Average equity | $25,922,500 | 2,669 |
| Average total loans | $251,855,500 | 1,785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,603 |
| Cost of funding earning assets | 0.4987% | 2,169 |
| Net interest margin | 3.6875% | 2,794 |
| Noninterest income to average assets | 0.3481% | 4,419 |
| Noninterest expense to average assets | 2.8843% | 2,913 |
| Loan and lease loss provision to assets | 0.3547% | 412 |
| Net operating income to assets | 0.3442% | 5,228 |
| Return on assets (ROA) | 0.3510% | 5,304 |
| Pretax return on assets | 0.4588% | 5,206 |
| Return on Equity (ROE) | 4.1990% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.4147% | 4,342 |
| Net charge-offs to loans | 0.2003% | 1,459 |
| Credit loss provision to net charge-offs | 243.7358% | 1,172 |
| Earnings coverage of net charge-offs (x) | 5.5285% | 3,373 |
| Efficiency ratio | 78.1902% | 1,938 |
| Assets per employee ($millions) | 4.3932% | 3,227 |
| Cash dividends to net income (ytd only)* | 42.4929% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 5,098 |
| Loan loss allowance to noncurrent loans | 141.5803% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 1,214 |
| Noncurrent loans to loans | 0.6328% | 3,286 |
| Net loans and leases to total assets | 76.4496% | 1,339 |
| Net loans and leases to deposits | 89.9911% | 1,616 |
| Net loans and leases to core deposits | 95.6207% | 1,885 |
| Total domestic deposits to total assets | 84.9524% | 3,114 |
| Equity capital to assets | 8.0934% | 5,815 |
| Core capital (leverage) ratio | 8.2886% | 5,616 |
| Tier 1 risk-based capital ratio | 10.3604% | 5,838 |
| Total risk-based capital ratio | 11.2327% | 5,906 |
| Memoranda: | ||
| Average total assets | $301,668,000 | 2,139 |
| Average earning assets | $273,303,000 | 2,181 |
| Average equity | $25,220,200 | 2,671 |
| Average total loans | $219,133,200 | 1,930 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,466 |
| Cost of funding earning assets | 0.5043% | 2,174 |
| Net interest margin | 3.7286% | 2,652 |
| Noninterest income to average assets | 0.4300% | 3,865 |
| Noninterest expense to average assets | 2.7690% | 3,310 |
| Loan and lease loss provision to assets | 0.2125% | 907 |
| Net operating income to assets | 0.5739% | 4,506 |
| Return on assets (ROA) | 0.5758% | 4,588 |
| Pretax return on assets | 0.8188% | 4,277 |
| Return on Equity (ROE) | 6.8296% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.0336% | 2,224 |
| Net charge-offs to loans | 0.1572% | 1,567 |
| Credit loss provision to net charge-offs | 189.2430% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.1593% | 2,728 |
| Efficiency ratio | 72.9147% | 2,731 |
| Assets per employee ($millions) | 4.4370% | 3,113 |
| Cash dividends to net income (ytd only)* | 11.6553% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,483 |
| Loan loss allowance to noncurrent loans | 119.3159% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.5017% | 1,502 |
| Noncurrent loans to loans | 0.6821% | 3,276 |
| Net loans and leases to total assets | 69.8050% | 2,417 |
| Net loans and leases to deposits | 82.2005% | 2,623 |
| Net loans and leases to core deposits | 83.2257% | 3,131 |
| Total domestic deposits to total assets | 84.9204% | 3,045 |
| Equity capital to assets | 8.3199% | 5,820 |
| Core capital (leverage) ratio | 8.8180% | 5,219 |
| Tier 1 risk-based capital ratio | 11.3376% | 5,469 |
| Total risk-based capital ratio | 12.0990% | 5,660 |
| Memoranda: | ||
| Average total assets | $298,007,750 | 2,173 |
| Average earning assets | $269,156,750 | 2,222 |
| Average equity | $25,125,250 | 2,708 |
| Average total loans | $212,915,750 | 1,980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,486 |
| Cost of funding earning assets | 0.5071% | 2,188 |
| Net interest margin | 3.7117% | 2,661 |
| Noninterest income to average assets | 0.4159% | 3,960 |
| Noninterest expense to average assets | 2.7378% | 3,463 |
| Loan and lease loss provision to assets | 0.1702% | 1,226 |
| Net operating income to assets | 0.6174% | 4,265 |
| Return on assets (ROA) | 0.6188% | 4,379 |
| Pretax return on assets | 0.9033% | 3,944 |
| Return on Equity (ROE) | 7.3051% | 3,436 |
| Retained earnings to average equity (ytd only) | 6.0997% | 2,173 |
| Net charge-offs to loans | 0.1403% | 1,662 |
| Credit loss provision to net charge-offs | 168.9189% | 1,415 |
| Earnings coverage of net charge-offs (x) | 10.6351% | 2,348 |
| Efficiency ratio | 71.8728% | 3,015 |
| Assets per employee ($millions) | 4.4370% | 3,085 |
| Cash dividends to net income (ytd only)* | 16.5017% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 5,688 |
| Loan loss allowance to noncurrent loans | 96.3372% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4851% | 1,662 |
| Noncurrent loans to loans | 0.7911% | 3,130 |
| Net loans and leases to total assets | 73.6789% | 1,711 |
| Net loans and leases to deposits | 87.2189% | 1,916 |
| Net loans and leases to core deposits | 88.2885% | 2,526 |
| Total domestic deposits to total assets | 84.4759% | 3,361 |
| Equity capital to assets | 8.5558% | 5,636 |
| Core capital (leverage) ratio | 8.9527% | 5,030 |
| Tier 1 risk-based capital ratio | 11.3894% | 5,531 |
| Total risk-based capital ratio | 12.1122% | 5,703 |
| Memoranda: | ||
| Average total assets | $293,813,330 | 2,212 |
| Average earning assets | $268,609,670 | 2,243 |
| Average equity | $24,886,670 | 2,730 |
| Average total loans | $211,025,330 | 2,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,269 |
| Cost of funding earning assets | 0.5140% | 2,163 |
| Net interest margin | 3.7378% | 2,479 |
| Noninterest income to average assets | 0.3683% | 4,267 |
| Noninterest expense to average assets | 2.7238% | 3,509 |
| Loan and lease loss provision to assets | 0.2379% | 718 |
| Net operating income to assets | 0.5764% | 4,380 |
| Return on assets (ROA) | 0.5641% | 4,533 |
| Pretax return on assets | 0.8087% | 4,205 |
| Return on Equity (ROE) | 6.6929% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.6929% | 2,151 |
| Net charge-offs to loans | 0.1020% | 1,707 |
| Credit loss provision to net charge-offs | 330.1887% | 761 |
| Earnings coverage of net charge-offs (x) | 14.7736% | 1,660 |
| Efficiency ratio | 71.9053% | 3,188 |
| Assets per employee ($millions) | 4.4296% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 5,683 |
| Loan loss allowance to noncurrent loans | 85.3870% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 1,545 |
| Noncurrent loans to loans | 0.9424% | 2,893 |
| Net loans and leases to total assets | 70.7131% | 2,038 |
| Net loans and leases to deposits | 83.3298% | 2,163 |
| Net loans and leases to core deposits | 84.3484% | 2,730 |
| Total domestic deposits to total assets | 84.8594% | 3,475 |
| Equity capital to assets | 8.6139% | 5,650 |
| Core capital (leverage) ratio | 8.7071% | 5,318 |
| Tier 1 risk-based capital ratio | 11.4709% | 5,573 |
| Total risk-based capital ratio | 12.2175% | 5,753 |
| Memoranda: | ||
| Average total assets | $294,299,500 | 2,224 |
| Average earning assets | $269,249,500 | 2,253 |
| Average equity | $24,802,500 | 2,764 |
| Average total loans | $207,828,500 | 2,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 2,540 |
| Cost of funding earning assets | 0.5565% | 2,160 |
| Net interest margin | 3.7609% | 2,768 |
| Noninterest income to average assets | 0.3172% | 4,848 |
| Noninterest expense to average assets | 2.6506% | 4,048 |
| Loan and lease loss provision to assets | 0.1872% | 1,369 |
| Net operating income to assets | 0.5643% | 4,534 |
| Return on assets (ROA) | 0.6254% | 4,358 |
| Pretax return on assets | 0.9490% | 3,696 |
| Return on Equity (ROE) | 7.9653% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.6238% | 2,181 |
| Net charge-offs to loans | 0.5078% | 804 |
| Credit loss provision to net charge-offs | 55.1724% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.0759% | 3,981 |
| Efficiency ratio | 71.7517% | 3,245 |
| Assets per employee ($millions) | 4.5576% | 2,943 |
| Cash dividends to net income (ytd only)* | 29.3960% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 5,881 |
| Loan loss allowance to noncurrent loans | 92.0663% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 1,705 |
| Noncurrent loans to loans | 0.8150% | 3,281 |
| Net loans and leases to total assets | 69.4332% | 2,321 |
| Net loans and leases to deposits | 82.2216% | 2,444 |
| Net loans and leases to core deposits | 83.4885% | 2,954 |
| Total domestic deposits to total assets | 84.4464% | 3,534 |
| Equity capital to assets | 8.2438% | 5,936 |
| Core capital (leverage) ratio | 8.4131% | 5,648 |
| Tier 1 risk-based capital ratio | 11.6708% | 5,564 |
| Total risk-based capital ratio | 12.3867% | 5,786 |
| Memoranda: | ||
| Average total assets | $299,172,200 | 2,162 |
| Average earning assets | $268,633,000 | 2,205 |
| Average equity | $23,489,400 | 2,801 |
| Average total loans | $199,892,400 | 2,037 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,573 |
| Cost of funding earning assets | 0.5631% | 2,165 |
| Net interest margin | 3.7492% | 2,816 |
| Noninterest income to average assets | 0.3139% | 4,930 |
| Noninterest expense to average assets | 2.6643% | 3,967 |
| Loan and lease loss provision to assets | 0.2001% | 1,189 |
| Net operating income to assets | 0.5359% | 4,733 |
| Return on assets (ROA) | 0.6184% | 4,453 |
| Pretax return on assets | 0.9234% | 3,892 |
| Return on Equity (ROE) | 7.9747% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.4014% | 1,620 |
| Net charge-offs to loans | 0.6759% | 519 |
| Credit loss provision to net charge-offs | 44.8207% | 3,203 |
| Earnings coverage of net charge-offs (x) | 2.2410% | 3,960 |
| Efficiency ratio | 72.7041% | 3,063 |
| Assets per employee ($millions) | 4.5879% | 2,830 |
| Cash dividends to net income (ytd only)* | 7.1891% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 6,058 |
| Loan loss allowance to noncurrent loans | 120.7297% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 1,972 |
| Noncurrent loans to loans | 0.5971% | 4,139 |
| Net loans and leases to total assets | 67.2400% | 2,653 |
| Net loans and leases to deposits | 79.6320% | 2,754 |
| Net loans and leases to core deposits | 80.9514% | 3,202 |
| Total domestic deposits to total assets | 84.4384% | 3,577 |
| Equity capital to assets | 8.0989% | 6,080 |
| Core capital (leverage) ratio | 8.4745% | 5,680 |
| Tier 1 risk-based capital ratio | 11.8619% | 5,584 |
| Total risk-based capital ratio | 12.5440% | 5,824 |
| Memoranda: | ||
| Average total assets | $299,903,750 | 2,176 |
| Average earning assets | $268,032,250 | 2,224 |
| Average equity | $23,256,250 | 2,832 |
| Average total loans | $198,053,500 | 2,064 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 2,625 |
| Cost of funding earning assets | 0.5633% | 2,229 |
| Net interest margin | 3.7242% | 2,859 |
| Noninterest income to average assets | 0.3148% | 4,892 |
| Noninterest expense to average assets | 2.7005% | 3,866 |
| Loan and lease loss provision to assets | 0.1331% | 1,862 |
| Net operating income to assets | 0.5528% | 4,587 |
| Return on assets (ROA) | 0.6250% | 4,318 |
| Pretax return on assets | 0.9379% | 3,733 |
| Return on Equity (ROE) | 8.1803% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.3091% | 1,610 |
| Net charge-offs to loans | 0.6831% | 563 |
| Credit loss provision to net charge-offs | 29.7619% | 3,058 |
| Earnings coverage of net charge-offs (x) | 2.1533% | 3,621 |
| Efficiency ratio | 73.7100% | 3,026 |
| Assets per employee ($millions) | 4.3671% | 3,145 |
| Cash dividends to net income (ytd only)* | 10.6496% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 6,048 |
| Loan loss allowance to noncurrent loans | 71.2367% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 1,621 |
| Noncurrent loans to loans | 1.0819% | 3,063 |
| Net loans and leases to total assets | 65.7128% | 2,802 |
| Net loans and leases to deposits | 77.9421% | 2,809 |
| Net loans and leases to core deposits | 79.2212% | 3,299 |
| Total domestic deposits to total assets | 84.3098% | 3,816 |
| Equity capital to assets | 7.8775% | 6,224 |
| Core capital (leverage) ratio | 8.4161% | 5,726 |
| Tier 1 risk-based capital ratio | 11.7691% | 5,652 |
| Total risk-based capital ratio | 12.4970% | 5,877 |
| Memoranda: | ||
| Average total assets | $300,467,000 | 2,171 |
| Average earning assets | $270,175,330 | 2,209 |
| Average equity | $22,957,670 | 2,850 |
| Average total loans | $196,746,330 | 2,076 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,449 |
| Cost of funding earning assets | 0.5720% | 2,225 |
| Net interest margin | 3.7477% | 2,687 |
| Noninterest income to average assets | 0.2573% | 5,296 |
| Noninterest expense to average assets | 2.6423% | 4,140 |
| Loan and lease loss provision to assets | 0.1333% | 1,817 |
| Net operating income to assets | 0.5879% | 4,245 |
| Return on assets (ROA) | 0.5879% | 4,325 |
| Pretax return on assets | 0.8706% | 3,825 |
| Return on Equity (ROE) | 7.8164% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.8164% | 1,678 |
| Net charge-offs to loans | 1.0382% | 317 |
| Credit loss provision to net charge-offs | 19.7239% | 2,502 |
| Earnings coverage of net charge-offs (x) | 1.4852% | 3,090 |
| Efficiency ratio | 72.4680% | 3,408 |
| Assets per employee ($millions) | 4.4273% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 6,061 |
| Loan loss allowance to noncurrent loans | 64.1713% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2044% | 1,500 |
| Noncurrent loans to loans | 1.2762% | 2,901 |
| Net loans and leases to total assets | 65.4462% | 2,645 |
| Net loans and leases to deposits | 77.1879% | 2,663 |
| Net loans and leases to core deposits | 78.4382% | 3,157 |
| Total domestic deposits to total assets | 84.7881% | 3,959 |
| Equity capital to assets | 7.7878% | 6,185 |
| Core capital (leverage) ratio | 8.0611% | 6,079 |
| Tier 1 risk-based capital ratio | 11.9033% | 5,708 |
| Total risk-based capital ratio | 12.6830% | 5,901 |
| Memoranda: | ||
| Average total assets | $300,036,500 | 2,179 |
| Average earning assets | $271,311,500 | 2,211 |
| Average equity | $22,568,000 | 2,885 |
| Average total loans | $195,345,000 | 2,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 2,468 |
| Cost of funding earning assets | 0.7084% | 1,753 |
| Net interest margin | 3.7220% | 2,968 |
| Noninterest income to average assets | 0.4093% | 4,381 |
| Noninterest expense to average assets | 2.7764% | 3,809 |
| Loan and lease loss provision to assets | 0.3054% | 1,097 |
| Net operating income to assets | 0.4618% | 4,905 |
| Return on assets (ROA) | 0.5169% | 4,792 |
| Pretax return on assets | 0.7707% | 4,263 |
| Return on Equity (ROE) | 6.6581% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.1881% | 3,192 |
| Net charge-offs to loans | 0.3070% | 2,149 |
| Credit loss provision to net charge-offs | 156.2500% | 1,479 |
| Earnings coverage of net charge-offs (x) | 5.0851% | 3,389 |
| Efficiency ratio | 73.6364% | 3,191 |
| Assets per employee ($millions) | 4.5976% | 2,721 |
| Cash dividends to net income (ytd only)* | 37.0978% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 5,412 |
| Loan loss allowance to noncurrent loans | 52.9644% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.4235% | 1,431 |
| Noncurrent loans to loans | 1.9466% | 2,049 |
| Net loans and leases to total assets | 63.5849% | 3,119 |
| Net loans and leases to deposits | 74.4541% | 3,196 |
| Net loans and leases to core deposits | 75.6086% | 3,656 |
| Total domestic deposits to total assets | 85.4015% | 3,554 |
| Equity capital to assets | 7.2617% | 6,378 |
| Core capital (leverage) ratio | 7.7645% | 6,267 |
| Tier 1 risk-based capital ratio | 11.3401% | 6,001 |
| Total risk-based capital ratio | 12.2886% | 6,097 |
| Memoranda: | ||
| Average total assets | $294,662,000 | 2,179 |
| Average earning assets | $266,091,200 | 2,211 |
| Average equity | $22,874,400 | 2,838 |
| Average total loans | $187,631,000 | 2,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 2,400 |
| Cost of funding earning assets | 0.7387% | 1,675 |
| Net interest margin | 3.7151% | 2,971 |
| Noninterest income to average assets | 0.4276% | 4,315 |
| Noninterest expense to average assets | 2.7727% | 3,753 |
| Loan and lease loss provision to assets | 0.2735% | 1,280 |
| Net operating income to assets | 0.4883% | 4,847 |
| Return on assets (ROA) | 0.5202% | 4,869 |
| Pretax return on assets | 0.7887% | 4,341 |
| Return on Equity (ROE) | 6.5902% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.3484% | 2,831 |
| Net charge-offs to loans | 0.3315% | 1,883 |
| Credit loss provision to net charge-offs | 129.8701% | 1,820 |
| Earnings coverage of net charge-offs (x) | 4.8139% | 3,344 |
| Efficiency ratio | 73.2242% | 3,187 |
| Assets per employee ($millions) | 4.1623% | 3,498 |
| Cash dividends to net income (ytd only)* | 18.8431% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 5,941 |
| Loan loss allowance to noncurrent loans | 54.1086% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.4478% | 1,580 |
| Noncurrent loans to loans | 1.7412% | 2,579 |
| Net loans and leases to total assets | 66.7767% | 2,503 |
| Net loans and leases to deposits | 78.7884% | 2,550 |
| Net loans and leases to core deposits | 80.1145% | 3,120 |
| Total domestic deposits to total assets | 84.7545% | 3,858 |
| Equity capital to assets | 7.8200% | 6,248 |
| Core capital (leverage) ratio | 8.2706% | 5,999 |
| Tier 1 risk-based capital ratio | 11.4753% | 6,071 |
| Total risk-based capital ratio | 12.3475% | 6,200 |
| Memoranda: | ||
| Average total assets | $292,466,750 | 2,204 |
| Average earning assets | $264,425,000 | 2,229 |
| Average equity | $23,084,250 | 2,842 |
| Average total loans | $185,800,250 | 2,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,422 |
| Cost of funding earning assets | 0.7685% | 1,594 |
| Net interest margin | 3.6705% | 3,080 |
| Noninterest income to average assets | 0.4065% | 4,480 |
| Noninterest expense to average assets | 2.7027% | 4,020 |
| Loan and lease loss provision to assets | 0.3059% | 1,170 |
| Net operating income to assets | 0.4650% | 4,953 |
| Return on assets (ROA) | 0.4874% | 5,029 |
| Pretax return on assets | 0.7369% | 4,552 |
| Return on Equity (ROE) | 6.1564% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.1690% | 2,945 |
| Net charge-offs to loans | 0.3657% | 1,741 |
| Credit loss provision to net charge-offs | 134.3284% | 1,685 |
| Earnings coverage of net charge-offs (x) | 4.4299% | 3,133 |
| Efficiency ratio | 72.8205% | 3,335 |
| Assets per employee ($millions) | 4.0016% | 3,797 |
| Cash dividends to net income (ytd only)* | 16.0391% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 5,972 |
| Loan loss allowance to noncurrent loans | 58.2094% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.3501% | 1,826 |
| Noncurrent loans to loans | 1.6413% | 2,854 |
| Net loans and leases to total assets | 64.8023% | 2,792 |
| Net loans and leases to deposits | 76.3141% | 2,837 |
| Net loans and leases to core deposits | 77.5909% | 3,345 |
| Total domestic deposits to total assets | 84.9152% | 3,928 |
| Equity capital to assets | 7.8450% | 6,298 |
| Core capital (leverage) ratio | 8.1230% | 6,084 |
| Tier 1 risk-based capital ratio | 11.3306% | 6,185 |
| Total risk-based capital ratio | 12.1925% | 6,331 |
| Memoranda: | ||
| Average total assets | $294,222,670 | 2,200 |
| Average earning assets | $264,925,670 | 2,227 |
| Average equity | $23,292,670 | 2,836 |
| Average total loans | $183,198,330 | 2,170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,449 |
| Cost of funding earning assets | 0.7967% | 1,545 |
| Net interest margin | 3.6243% | 3,166 |
| Noninterest income to average assets | 0.3525% | 4,859 |
| Noninterest expense to average assets | 2.6777% | 4,159 |
| Loan and lease loss provision to assets | 0.2018% | 1,841 |
| Net operating income to assets | 0.4777% | 4,782 |
| Return on assets (ROA) | 0.4777% | 4,949 |
| Pretax return on assets | 0.7293% | 4,447 |
| Return on Equity (ROE) | 6.0074% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.0074% | 2,673 |
| Net charge-offs to loans | 0.0598% | 3,219 |
| Credit loss provision to net charge-offs | 555.5556% | 485 |
| Earnings coverage of net charge-offs (x) | 25.6296% | 1,044 |
| Efficiency ratio | 74.1984% | 3,229 |
| Assets per employee ($millions) | 3.8399% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,993 |
| Loan loss allowance to noncurrent loans | 47.8825% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.4517% | 1,881 |
| Noncurrent loans to loans | 2.0832% | 2,527 |
| Net loans and leases to total assets | 59.9461% | 3,434 |
| Net loans and leases to deposits | 70.3749% | 3,415 |
| Net loans and leases to core deposits | 71.5021% | 3,882 |
| Total domestic deposits to total assets | 85.1811% | 3,955 |
| Equity capital to assets | 7.9143% | 6,426 |
| Core capital (leverage) ratio | 7.9369% | 6,195 |
| Tier 1 risk-based capital ratio | 11.5312% | 6,175 |
| Total risk-based capital ratio | 12.4217% | 6,311 |
| Memoranda: | ||
| Average total assets | $297,275,000 | 2,204 |
| Average earning assets | $267,087,500 | 2,239 |
| Average equity | $23,637,500 | 2,841 |
| Average total loans | $180,543,500 | 2,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 2,020 |
| Cost of funding earning assets | 1.0512% | 1,117 |
| Net interest margin | 3.7981% | 3,233 |
| Noninterest income to average assets | 0.4000% | 4,610 |
| Noninterest expense to average assets | 2.8106% | 3,981 |
| Loan and lease loss provision to assets | 0.2791% | 2,419 |
| Net operating income to assets | 0.4457% | 4,899 |
| Return on assets (ROA) | 0.4971% | 4,951 |
| Pretax return on assets | 0.7602% | 4,446 |
| Return on Equity (ROE) | 6.0792% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.2528% | 3,233 |
| Net charge-offs to loans | 0.5115% | 2,199 |
| Credit loss provision to net charge-offs | 83.5996% | 3,709 |
| Earnings coverage of net charge-offs (x) | 2.8765% | 3,998 |
| Efficiency ratio | 74.5333% | 2,983 |
| Assets per employee ($millions) | 3.7347% | 4,496 |
| Cash dividends to net income (ytd only)* | 30.0429% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,167 |
| Loan loss allowance to noncurrent loans | 37.0631% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.7044% | 1,781 |
| Noncurrent loans to loans | 2.5310% | 2,086 |
| Net loans and leases to total assets | 60.3469% | 3,542 |
| Net loans and leases to deposits | 71.4556% | 3,502 |
| Net loans and leases to core deposits | 72.6264% | 3,959 |
| Total domestic deposits to total assets | 84.4537% | 4,101 |
| Equity capital to assets | 7.9891% | 6,416 |
| Core capital (leverage) ratio | 7.8452% | 6,313 |
| Tier 1 risk-based capital ratio | 11.4504% | 6,137 |
| Total risk-based capital ratio | 12.2872% | 6,305 |
| Memoranda: | ||
| Average total assets | $281,258,400 | 2,257 |
| Average earning assets | $249,624,400 | 2,330 |
| Average equity | $22,996,600 | 2,850 |
| Average total loans | $183,585,200 | 2,155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 1,963 |
| Cost of funding earning assets | 1.1017% | 1,060 |
| Net interest margin | 3.8116% | 3,285 |
| Noninterest income to average assets | 0.3993% | 4,642 |
| Noninterest expense to average assets | 2.8311% | 3,867 |
| Loan and lease loss provision to assets | 0.3048% | 2,170 |
| Net operating income to assets | 0.4259% | 5,134 |
| Return on assets (ROA) | 0.4962% | 5,127 |
| Pretax return on assets | 0.7573% | 4,649 |
| Return on Equity (ROE) | 6.0326% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.3033% | 3,156 |
| Net charge-offs to loans | 0.5606% | 1,931 |
| Credit loss provision to net charge-offs | 81.8299% | 3,567 |
| Earnings coverage of net charge-offs (x) | 2.5657% | 4,013 |
| Efficiency ratio | 74.7655% | 2,866 |
| Assets per employee ($millions) | 3.5945% | 4,764 |
| Cash dividends to net income (ytd only)* | 12.0888% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,311 |
| Loan loss allowance to noncurrent loans | 36.4202% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 1,911 |
| Noncurrent loans to loans | 2.5415% | 2,247 |
| Net loans and leases to total assets | 62.4595% | 3,305 |
| Net loans and leases to deposits | 74.1357% | 3,262 |
| Net loans and leases to core deposits | 75.3684% | 3,807 |
| Total domestic deposits to total assets | 84.2502% | 4,102 |
| Equity capital to assets | 8.1153% | 6,537 |
| Core capital (leverage) ratio | 7.9237% | 6,387 |
| Tier 1 risk-based capital ratio | 11.1950% | 6,396 |
| Total risk-based capital ratio | 12.0219% | 6,554 |
| Memoranda: | ||
| Average total assets | $277,812,750 | 2,312 |
| Average earning assets | $246,888,750 | 2,378 |
| Average equity | $22,853,000 | 2,892 |
| Average total loans | $184,548,000 | 2,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 1,799 |
| Cost of funding earning assets | 1.1443% | 1,055 |
| Net interest margin | 3.8530% | 3,121 |
| Noninterest income to average assets | 0.3812% | 4,787 |
| Noninterest expense to average assets | 2.8511% | 3,823 |
| Loan and lease loss provision to assets | 0.3183% | 2,078 |
| Net operating income to assets | 0.4142% | 5,165 |
| Return on assets (ROA) | 0.4997% | 5,078 |
| Pretax return on assets | 0.7558% | 4,623 |
| Return on Equity (ROE) | 6.0457% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.9392% | 3,310 |
| Net charge-offs to loans | 0.7648% | 1,439 |
| Credit loss provision to net charge-offs | 61.5276% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.8260% | 4,065 |
| Efficiency ratio | 75.1157% | 2,877 |
| Assets per employee ($millions) | 3.6701% | 4,589 |
| Cash dividends to net income (ytd only)* | 18.3016% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,566 |
| Loan loss allowance to noncurrent loans | 47.7031% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.2915% | 2,447 |
| Noncurrent loans to loans | 1.7848% | 3,242 |
| Net loans and leases to total assets | 62.9773% | 3,239 |
| Net loans and leases to deposits | 74.4343% | 3,222 |
| Net loans and leases to core deposits | 76.3126% | 3,736 |
| Total domestic deposits to total assets | 84.6080% | 4,049 |
| Equity capital to assets | 7.9197% | 6,623 |
| Core capital (leverage) ratio | 8.0856% | 6,179 |
| Tier 1 risk-based capital ratio | 10.9734% | 6,513 |
| Total risk-based capital ratio | 11.7335% | 6,686 |
| Memoranda: | ||
| Average total assets | $273,366,330 | 2,344 |
| Average earning assets | $242,250,000 | 2,422 |
| Average equity | $22,594,670 | 2,905 |
| Average total loans | $184,880,330 | 2,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 1,455 |
| Cost of funding earning assets | 1.1892% | 1,037 |
| Net interest margin | 3.9527% | 2,704 |
| Noninterest income to average assets | 0.4708% | 4,141 |
| Noninterest expense to average assets | 2.9138% | 3,569 |
| Loan and lease loss provision to assets | 0.4150% | 1,520 |
| Net operating income to assets | 0.4352% | 5,106 |
| Return on assets (ROA) | 0.6126% | 4,505 |
| Pretax return on assets | 0.8812% | 4,103 |
| Return on Equity (ROE) | 7.2464% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.0154% | 3,548 |
| Net charge-offs to loans | 0.7839% | 1,311 |
| Credit loss provision to net charge-offs | 75.7576% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.9036% | 3,380 |
| Efficiency ratio | 73.6461% | 3,146 |
| Assets per employee ($millions) | 3.5548% | 4,990 |
| Cash dividends to net income (ytd only)* | 30.7882% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,426 |
| Loan loss allowance to noncurrent loans | 38.0787% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.6651% | 2,214 |
| Noncurrent loans to loans | 2.4880% | 2,617 |
| Net loans and leases to total assets | 66.9208% | 2,305 |
| Net loans and leases to deposits | 79.6524% | 2,251 |
| Net loans and leases to core deposits | 81.5997% | 2,886 |
| Total domestic deposits to total assets | 84.0161% | 4,482 |
| Equity capital to assets | 8.2303% | 6,335 |
| Core capital (leverage) ratio | 8.5120% | 5,572 |
| Tier 1 risk-based capital ratio | 10.7873% | 6,630 |
| Total risk-based capital ratio | 11.6320% | 6,767 |
| Memoranda: | ||
| Average total assets | $265,081,500 | 2,430 |
| Average earning assets | $233,764,500 | 2,501 |
| Average equity | $22,411,000 | 2,926 |
| Average total loans | $185,239,500 | 2,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,678 |
| Cost of funding earning assets | 1.3572% | 1,209 |
| Net interest margin | 3.9496% | 3,108 |
| Noninterest income to average assets | 0.5349% | 3,619 |
| Noninterest expense to average assets | 2.9288% | 3,849 |
| Loan and lease loss provision to assets | 0.1935% | 4,248 |
| Net operating income to assets | 0.6613% | 3,692 |
| Return on assets (ROA) | 0.6797% | 3,775 |
| Pretax return on assets | 1.0292% | 3,126 |
| Return on Equity (ROE) | 8.2068% | 2,803 |
| Retained earnings to average equity (ytd only) | 5.7158% | 2,165 |
| Net charge-offs to loans | 0.1191% | 5,192 |
| Credit loss provision to net charge-offs | 228.3105% | 1,061 |
| Earnings coverage of net charge-offs (x) | 14.0959% | 1,485 |
| Efficiency ratio | 71.0250% | 3,777 |
| Assets per employee ($millions) | 3.2877% | 5,534 |
| Cash dividends to net income (ytd only)* | 30.3531% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 6,263 |
| Loan loss allowance to noncurrent loans | 36.7559% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 2,216 |
| Noncurrent loans to loans | 2.6979% | 2,408 |
| Net loans and leases to total assets | 71.6383% | 1,702 |
| Net loans and leases to deposits | 85.9315% | 1,677 |
| Net loans and leases to core deposits | 88.5547% | 2,313 |
| Total domestic deposits to total assets | 83.3667% | 4,601 |
| Equity capital to assets | 8.6935% | 5,908 |
| Core capital (leverage) ratio | 8.4895% | 5,578 |
| Tier 1 risk-based capital ratio | 10.8513% | 6,532 |
| Total risk-based capital ratio | 11.7550% | 6,660 |
| Memoranda: | ||
| Average total assets | $258,365,600 | 2,445 |
| Average earning assets | $234,756,200 | 2,450 |
| Average equity | $21,396,800 | 2,964 |
| Average total loans | $183,899,600 | 2,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 1,832 |
| Cost of funding earning assets | 1.3960% | 1,251 |
| Net interest margin | 3.9091% | 3,340 |
| Noninterest income to average assets | 0.5300% | 3,651 |
| Noninterest expense to average assets | 2.9221% | 3,828 |
| Loan and lease loss provision to assets | 0.2189% | 3,824 |
| Net operating income to assets | 0.6715% | 3,759 |
| Return on assets (ROA) | 0.7253% | 3,660 |
| Pretax return on assets | 1.0158% | 3,349 |
| Return on Equity (ROE) | 8.8666% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.1109% | 1,469 |
| Net charge-offs to loans | 0.1475% | 4,593 |
| Credit loss provision to net charge-offs | 209.3596% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.0838% | 1,844 |
| Efficiency ratio | 71.6017% | 3,638 |
| Assets per employee ($millions) | 3.2878% | 5,504 |
| Cash dividends to net income (ytd only)* | 8.5229% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,410 |
| Loan loss allowance to noncurrent loans | 57.1750% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.1375% | 2,987 |
| Noncurrent loans to loans | 1.6853% | 3,776 |
| Net loans and leases to total assets | 70.4744% | 1,984 |
| Net loans and leases to deposits | 84.1600% | 1,976 |
| Net loans and leases to core deposits | 86.3275% | 2,736 |
| Total domestic deposits to total assets | 83.7386% | 4,351 |
| Equity capital to assets | 8.6333% | 6,167 |
| Core capital (leverage) ratio | 8.5320% | 5,661 |
| Tier 1 risk-based capital ratio | 10.8205% | 6,650 |
| Total risk-based capital ratio | 11.6902% | 6,782 |
| Memoranda: | ||
| Average total assets | $258,846,000 | 2,449 |
| Average earning assets | $235,139,750 | 2,465 |
| Average equity | $21,172,500 | 2,986 |
| Average total loans | $183,486,500 | 2,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2979% | 1,901 |
| Cost of funding earning assets | 1.4298% | 1,283 |
| Net interest margin | 3.8681% | 3,447 |
| Noninterest income to average assets | 0.5399% | 3,560 |
| Noninterest expense to average assets | 2.8993% | 4,025 |
| Loan and lease loss provision to assets | 0.2321% | 3,586 |
| Net operating income to assets | 0.6769% | 3,658 |
| Return on assets (ROA) | 0.7001% | 3,657 |
| Pretax return on assets | 0.9561% | 3,404 |
| Return on Equity (ROE) | 8.7207% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.5643% | 1,630 |
| Net charge-offs to loans | 0.2196% | 3,807 |
| Credit loss provision to net charge-offs | 149.2537% | 2,051 |
| Earnings coverage of net charge-offs (x) | 7.4378% | 2,221 |
| Efficiency ratio | 71.4858% | 3,825 |
| Assets per employee ($millions) | 3.3623% | 5,300 |
| Cash dividends to net income (ytd only)* | 13.2597% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,669 |
| Loan loss allowance to noncurrent loans | 58.6280% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.0950% | 3,112 |
| Noncurrent loans to loans | 1.5291% | 4,127 |
| Net loans and leases to total assets | 70.7931% | 2,052 |
| Net loans and leases to deposits | 84.5767% | 2,019 |
| Net loans and leases to core deposits | 86.7706% | 2,788 |
| Total domestic deposits to total assets | 83.7028% | 4,474 |
| Equity capital to assets | 8.3361% | 6,378 |
| Core capital (leverage) ratio | 8.3838% | 5,733 |
| Tier 1 risk-based capital ratio | 10.5495% | 6,774 |
| Total risk-based capital ratio | 11.3572% | 6,937 |
| Memoranda: | ||
| Average total assets | $258,549,000 | 2,468 |
| Average earning assets | $235,000,670 | 2,474 |
| Average equity | $20,755,330 | 3,030 |
| Average total loans | $183,039,000 | 2,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 1,869 |
| Cost of funding earning assets | 1.4743% | 1,274 |
| Net interest margin | 3.8246% | 3,490 |
| Noninterest income to average assets | 0.5109% | 3,792 |
| Noninterest expense to average assets | 2.8780% | 4,155 |
| Loan and lease loss provision to assets | 0.2322% | 3,327 |
| Net operating income to assets | 0.6446% | 3,778 |
| Return on assets (ROA) | 0.6285% | 3,941 |
| Pretax return on assets | 0.8530% | 3,695 |
| Return on Equity (ROE) | 7.9835% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.9835% | 1,740 |
| Net charge-offs to loans | 0.0483% | 4,459 |
| Credit loss provision to net charge-offs | 681.8182% | 553 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 791 |
| Efficiency ratio | 72.2222% | 3,816 |
| Assets per employee ($millions) | 3.3173% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,612 |
| Loan loss allowance to noncurrent loans | 75.3461% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.5938% | 3,860 |
| Noncurrent loans to loans | 1.2379% | 4,618 |
| Net loans and leases to total assets | 69.2515% | 2,277 |
| Net loans and leases to deposits | 82.3231% | 2,304 |
| Net loans and leases to core deposits | 84.3427% | 3,124 |
| Total domestic deposits to total assets | 84.1216% | 4,441 |
| Equity capital to assets | 7.9672% | 6,531 |
| Core capital (leverage) ratio | 8.2401% | 5,921 |
| Tier 1 risk-based capital ratio | 10.4943% | 6,805 |
| Total risk-based capital ratio | 11.3264% | 6,979 |
| Memoranda: | ||
| Average total assets | $258,374,500 | 2,488 |
| Average earning assets | $234,692,000 | 2,499 |
| Average equity | $20,342,000 | 3,065 |
| Average total loans | $182,088,500 | 2,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 1,939 |
| Cost of funding earning assets | 1.7603% | 1,337 |
| Net interest margin | 3.8284% | 3,826 |
| Noninterest income to average assets | 0.4636% | 4,418 |
| Noninterest expense to average assets | 2.8587% | 4,381 |
| Loan and lease loss provision to assets | 0.2770% | 4,592 |
| Net operating income to assets | 0.5596% | 3,849 |
| Return on assets (ROA) | 0.6840% | 3,415 |
| Pretax return on assets | 0.9681% | 3,036 |
| Return on Equity (ROE) | 8.7351% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.2901% | 1,209 |
| Net charge-offs to loans | 0.1379% | 5,541 |
| Credit loss provision to net charge-offs | 284.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 10.9680% | 1,652 |
| Efficiency ratio | 72.7652% | 3,643 |
| Assets per employee ($millions) | 3.2658% | 5,499 |
| Cash dividends to net income (ytd only)* | 16.5431% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 6,852 |
| Loan loss allowance to noncurrent loans | 176.7574% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 4,671 |
| Noncurrent loans to loans | 0.4812% | 6,075 |
| Net loans and leases to total assets | 70.4431% | 2,420 |
| Net loans and leases to deposits | 83.8926% | 2,467 |
| Net loans and leases to core deposits | 85.1567% | 3,446 |
| Total domestic deposits to total assets | 83.9683% | 4,375 |
| Equity capital to assets | 7.7787% | 6,686 |
| Core capital (leverage) ratio | 7.9826% | 6,227 |
| Tier 1 risk-based capital ratio | 10.1759% | 6,887 |
| Total risk-based capital ratio | 10.9361% | 7,085 |
| Memoranda: | ||
| Average total assets | $256,274,400 | 2,488 |
| Average earning assets | $231,949,200 | 2,506 |
| Average equity | $20,068,400 | 3,138 |
| Average total loans | $181,252,400 | 2,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 2,144 |
| Cost of funding earning assets | 1.8121% | 1,372 |
| Net interest margin | 3.7672% | 4,106 |
| Noninterest income to average assets | 0.4695% | 4,418 |
| Noninterest expense to average assets | 2.7678% | 4,608 |
| Loan and lease loss provision to assets | 0.2866% | 4,280 |
| Net operating income to assets | 0.5570% | 4,066 |
| Return on assets (ROA) | 0.7108% | 3,519 |
| Pretax return on assets | 1.0433% | 3,023 |
| Return on Equity (ROE) | 9.0622% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0622% | 1,038 |
| Net charge-offs to loans | 0.1335% | 5,231 |
| Credit loss provision to net charge-offs | 303.8674% | 1,052 |
| Earnings coverage of net charge-offs (x) | 11.7015% | 1,765 |
| Efficiency ratio | 71.4901% | 3,803 |
| Assets per employee ($millions) | 3.4759% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 7,032 |
| Loan loss allowance to noncurrent loans | 143.2195% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 4,390 |
| Noncurrent loans to loans | 0.5503% | 6,103 |
| Net loans and leases to total assets | 69.9568% | 2,739 |
| Net loans and leases to deposits | 83.9637% | 2,714 |
| Net loans and leases to core deposits | 85.2245% | 3,765 |
| Total domestic deposits to total assets | 83.3179% | 4,454 |
| Equity capital to assets | 7.8911% | 6,872 |
| Core capital (leverage) ratio | 7.9722% | 6,385 |
| Tier 1 risk-based capital ratio | 9.9043% | 7,113 |
| Total risk-based capital ratio | 10.6042% | 7,299 |
| Memoranda: | ||
| Average total assets | $255,842,750 | 2,530 |
| Average earning assets | $231,039,250 | 2,553 |
| Average equity | $20,068,250 | 3,182 |
| Average total loans | $180,739,750 | 2,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 2,143 |
| Cost of funding earning assets | 1.8544% | 1,410 |
| Net interest margin | 3.7439% | 4,166 |
| Noninterest income to average assets | 0.4766% | 4,307 |
| Noninterest expense to average assets | 2.7447% | 4,718 |
| Loan and lease loss provision to assets | 0.3161% | 3,850 |
| Net operating income to assets | 0.5504% | 4,092 |
| Return on assets (ROA) | 0.6322% | 3,864 |
| Pretax return on assets | 0.9089% | 3,459 |
| Return on Equity (ROE) | 8.0771% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,416 |
| Net charge-offs to loans | 0.1118% | 5,042 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 14.0200% | 1,553 |
| Efficiency ratio | 71.2410% | 3,949 |
| Assets per employee ($millions) | 3.4098% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 7,122 |
| Loan loss allowance to noncurrent loans | 95.1054% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 4,312 |
| Noncurrent loans to loans | 0.7989% | 5,676 |
| Net loans and leases to total assets | 71.4484% | 2,551 |
| Net loans and leases to deposits | 86.0369% | 2,502 |
| Net loans and leases to core deposits | 87.7474% | 3,580 |
| Total domestic deposits to total assets | 83.0439% | 4,553 |
| Equity capital to assets | 7.9288% | 6,829 |
| Core capital (leverage) ratio | 7.9622% | 6,312 |
| Tier 1 risk-based capital ratio | 9.5163% | 7,255 |
| Total risk-based capital ratio | 10.1751% | 7,440 |
| Memoranda: | ||
| Average total assets | $253,067,000 | 2,572 |
| Average earning assets | $228,213,000 | 2,598 |
| Average equity | $19,809,000 | 3,200 |
| Average total loans | $178,895,330 | 2,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 2,356 |
| Cost of funding earning assets | 1.8874% | 1,503 |
| Net interest margin | 3.6635% | 4,420 |
| Noninterest income to average assets | 0.4656% | 4,334 |
| Noninterest expense to average assets | 2.7124% | 4,845 |
| Loan and lease loss provision to assets | 0.3972% | 2,989 |
| Net operating income to assets | 0.4583% | 4,582 |
| Return on assets (ROA) | 0.6118% | 3,992 |
| Pretax return on assets | 0.8660% | 3,600 |
| Return on Equity (ROE) | 7.8672% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.8672% | 1,765 |
| Net charge-offs to loans | 0.0091% | 5,470 |
| Credit loss provision to net charge-offs | 6,250.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 164.7500% | 204 |
| Efficiency ratio | 72.1471% | 3,907 |
| Assets per employee ($millions) | 3.4059% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 7,219 |
| Loan loss allowance to noncurrent loans | 64.4466% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,715 |
| Noncurrent loans to loans | 1.1802% | 5,004 |
| Net loans and leases to total assets | 69.6259% | 3,026 |
| Net loans and leases to deposits | 83.7764% | 2,975 |
| Net loans and leases to core deposits | 85.5664% | 3,962 |
| Total domestic deposits to total assets | 83.1092% | 4,567 |
| Equity capital to assets | 7.8461% | 6,812 |
| Core capital (leverage) ratio | 7.9654% | 6,284 |
| Tier 1 risk-based capital ratio | 9.6378% | 7,234 |
| Total risk-based capital ratio | 10.2928% | 7,476 |
| Memoranda: | ||
| Average total assets | $251,732,000 | 2,638 |
| Average earning assets | $226,338,500 | 2,672 |
| Average equity | $19,575,000 | 3,254 |
| Average total loans | $176,283,500 | 2,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8501% | 2,439 |
| Cost of funding earning assets | 2.2246% | 1,924 |
| Net interest margin | 3.6254% | 4,451 |
| Noninterest income to average assets | 0.4610% | 4,712 |
| Noninterest expense to average assets | 2.8872% | 4,577 |
| Loan and lease loss provision to assets | 0.2405% | 5,456 |
| Net operating income to assets | 0.4697% | 3,858 |
| Return on assets (ROA) | 0.5592% | 3,571 |
| Pretax return on assets | 0.7793% | 3,306 |
| Return on Equity (ROE) | 7.1370% | 2,743 |
| Retained earnings to average equity (ytd only) | 4.6401% | 2,009 |
| Net charge-offs to loans | 0.3512% | 4,473 |
| Credit loss provision to net charge-offs | 93.5024% | 5,871 |
| Earnings coverage of net charge-offs (x) | 3.4818% | 3,329 |
| Efficiency ratio | 76.3280% | 3,471 |
| Assets per employee ($millions) | 3.4920% | 5,014 |
| Cash dividends to net income (ytd only)* | 34.9854% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 7,523 |
| Loan loss allowance to noncurrent loans | 96.1505% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 5,389 |
| Noncurrent loans to loans | 0.6504% | 5,934 |
| Net loans and leases to total assets | 69.4595% | 3,373 |
| Net loans and leases to deposits | 84.1286% | 3,232 |
| Net loans and leases to core deposits | 100.6768% | 3,931 |
| Total domestic deposits to total assets | 82.5635% | 4,718 |
| Equity capital to assets | 7.7060% | 6,854 |
| Core capital (leverage) ratio | 7.8183% | 6,427 |
| Tier 1 risk-based capital ratio | 9.4882% | 7,241 |
| Total risk-based capital ratio | 10.0256% | 7,576 |
| Memoranda: | ||
| Average total assets | $245,360,000 | 2,656 |
| Average earning assets | $224,801,400 | 2,652 |
| Average equity | $19,223,800 | 3,309 |
| Average total loans | $179,659,400 | 2,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8890% | 2,498 |
| Cost of funding earning assets | 2.2963% | 1,999 |
| Net interest margin | 3.5927% | 4,504 |
| Noninterest income to average assets | 0.4484% | 4,906 |
| Noninterest expense to average assets | 2.9324% | 4,304 |
| Loan and lease loss provision to assets | 0.1039% | 6,334 |
| Net operating income to assets | 0.5202% | 3,897 |
| Return on assets (ROA) | 0.5222% | 3,983 |
| Pretax return on assets | 0.7228% | 3,785 |
| Return on Equity (ROE) | 6.6366% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.6366% | 1,655 |
| Net charge-offs to loans | 0.4244% | 3,561 |
| Credit loss provision to net charge-offs | 33.0435% | 6,485 |
| Earnings coverage of net charge-offs (x) | 2.6209% | 3,910 |
| Efficiency ratio | 78.0640% | 3,156 |
| Assets per employee ($millions) | 3.2969% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4275% | 7,796 |
| Loan loss allowance to noncurrent loans | 57.3273% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 5,188 |
| Noncurrent loans to loans | 0.7456% | 5,820 |
| Net loans and leases to total assets | 71.1261% | 3,239 |
| Net loans and leases to deposits | 86.4676% | 3,236 |
| Net loans and leases to core deposits | 104.2811% | 3,903 |
| Total domestic deposits to total assets | 82.2575% | 4,564 |
| Equity capital to assets | 8.0408% | 6,813 |
| Core capital (leverage) ratio | 7.8979% | 6,504 |
| Tier 1 risk-based capital ratio | 10.2529% | 6,734 |
| Total risk-based capital ratio | 10.6505% | 7,406 |
| Memoranda: | ||
| Average total assets | $243,843,250 | 2,690 |
| Average earning assets | $224,526,500 | 2,680 |
| Average equity | $19,186,000 | 3,355 |
| Average total loans | $180,639,500 | 2,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 2,565 |
| Cost of funding earning assets | 2.3651% | 2,099 |
| Net interest margin | 3.5383% | 4,621 |
| Noninterest income to average assets | 0.4516% | 4,834 |
| Noninterest expense to average assets | 2.9460% | 4,308 |
| Loan and lease loss provision to assets | 0.0618% | 6,596 |
| Net operating income to assets | 0.5051% | 4,072 |
| Return on assets (ROA) | 0.5051% | 4,193 |
| Pretax return on assets | 0.7120% | 3,959 |
| Return on Equity (ROE) | 6.4683% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.4683% | 1,811 |
| Net charge-offs to loans | 0.2011% | 4,279 |
| Credit loss provision to net charge-offs | 40.9836% | 5,887 |
| Earnings coverage of net charge-offs (x) | 5.1311% | 2,907 |
| Efficiency ratio | 79.1981% | 3,161 |
| Assets per employee ($millions) | 2.9130% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,688 |
| Loan loss allowance to noncurrent loans | 68.4350% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 5,607 |
| Noncurrent loans to loans | 0.8344% | 5,552 |
| Net loans and leases to total assets | 73.4352% | 2,855 |
| Net loans and leases to deposits | 89.8082% | 2,864 |
| Net loans and leases to core deposits | 108.2235% | 3,582 |
| Total domestic deposits to total assets | 81.7689% | 4,784 |
| Equity capital to assets | 7.8507% | 6,912 |
| Core capital (leverage) ratio | 7.8051% | 6,608 |
| Tier 1 risk-based capital ratio | 9.2888% | 7,549 |
| Total risk-based capital ratio | 9.7900% | 7,874 |
| Memoranda: | ||
| Average total assets | $242,702,670 | 2,727 |
| Average earning assets | $224,172,330 | 2,696 |
| Average equity | $18,954,000 | 3,400 |
| Average total loans | $181,977,670 | 2,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9199% | 2,699 |
| Cost of funding earning assets | 2.4642% | 2,051 |
| Net interest margin | 3.4556% | 4,915 |
| Noninterest income to average assets | 0.4435% | 4,847 |
| Noninterest expense to average assets | 2.8961% | 4,170 |
| Loan and lease loss provision to assets | 0.0248% | 6,602 |
| Net operating income to assets | 0.4832% | 4,499 |
| Return on assets (ROA) | 0.4832% | 4,691 |
| Pretax return on assets | 0.7182% | 4,367 |
| Return on Equity (ROE) | 6.2042% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.2042% | 2,544 |
| Net charge-offs to loans | 0.1183% | 4,025 |
| Credit loss provision to net charge-offs | 27.7778% | 4,982 |
| Earnings coverage of net charge-offs (x) | 8.3148% | 2,213 |
| Efficiency ratio | 79.5816% | 2,891 |
| Assets per employee ($millions) | 3.2966% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 7,647 |
| Loan loss allowance to noncurrent loans | 101.9444% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 5,833 |
| Noncurrent loans to loans | 0.5959% | 5,905 |
| Net loans and leases to total assets | 73.8406% | 2,794 |
| Net loans and leases to deposits | 90.0801% | 2,919 |
| Net loans and leases to core deposits | 109.5658% | 3,489 |
| Total domestic deposits to total assets | 81.9722% | 4,559 |
| Equity capital to assets | 7.8143% | 7,045 |
| Core capital (leverage) ratio | 7.7689% | 6,790 |
| Tier 1 risk-based capital ratio | 9.7965% | 7,146 |
| Total risk-based capital ratio | 10.3700% | 7,733 |
| Memoranda: | ||
| Average total assets | $241,708,000 | 2,752 |
| Average earning assets | $223,518,500 | 2,725 |
| Average equity | $18,826,000 | 3,437 |
| Average total loans | $182,605,500 | 2,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4174% | 3,320 |
| Cost of funding earning assets | 2.8383% | 2,537 |
| Net interest margin | 3.5791% | 4,978 |
| Noninterest income to average assets | 0.4910% | 4,677 |
| Noninterest expense to average assets | 2.6895% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7786% | 3,530 |
| Return on assets (ROA) | 0.7786% | 3,372 |
| Pretax return on assets | 1.1179% | 2,964 |
| Return on Equity (ROE) | 10.3662% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.5227% | 979 |
| Net charge-offs to loans | 0.0233% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 64.4634% | 630 |
| Efficiency ratio | 70.6399% | 4,217 |
| Assets per employee ($millions) | 3.1929% | 5,500 |
| Cash dividends to net income (ytd only)* | 27.4307% | 4,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 7,639 |
| Loan loss allowance to noncurrent loans | 328.5303% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,574 |
| Noncurrent loans to loans | 0.1886% | 6,827 |
| Net loans and leases to total assets | 76.3515% | 2,529 |
| Net loans and leases to deposits | 92.8266% | 2,991 |
| Net loans and leases to core deposits | 113.0265% | 3,444 |
| Total domestic deposits to total assets | 82.2517% | 4,100 |
| Equity capital to assets | 7.7627% | 7,141 |
| Core capital (leverage) ratio | 7.7259% | 6,888 |
| Tier 1 risk-based capital ratio | 9.5081% | 7,296 |
| Total risk-based capital ratio | 10.0936% | 7,921 |
| Memoranda: | ||
| Average total assets | $236,435,800 | 2,684 |
| Average earning assets | $219,075,400 | 2,670 |
| Average equity | $17,759,600 | 3,601 |
| Average total loans | $176,059,200 | 2,548 |