Home > Select Bank & Trust Company > Performance and Condition Ratios
Select Bank & Trust Company, Performance and Condition Ratios
| 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 | 4.3246% | 919 |
| Cost of funding earning assets | 0.3700% | 1,936 |
| Net interest margin | 3.9546% | 860 |
| Noninterest income to average assets | 0.3380% | 3,417 |
| Noninterest expense to average assets | 2.1837% | 3,124 |
| Loan and lease loss provision to assets | -0.0983% | 4,598 |
| Net operating income to assets | 1.4744% | 1,331 |
| Return on assets (ROA) | 1.4744% | 1,378 |
| Pretax return on assets | 1.8927% | 961 |
| Return on Equity (ROE) | 12.5178% | 1,858 |
| Retained earnings to average equity (ytd only) | 12.3845% | 752 |
| Net charge-offs to loans | 0.0222% | 1,606 |
| Credit loss provision to net charge-offs | -606.3636% | 3,711 |
| Earnings coverage of net charge-offs (x) | 110.6773% | 814 |
| Efficiency ratio | 54.1108% | 3,796 |
| Assets per employee ($millions) | 8.5857% | 1,019 |
| Cash dividends to net income (ytd only)* | 1.0646% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,937 |
| Loan loss allowance to noncurrent loans | 304.6348% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 2,000 |
| Noncurrent loans to loans | 0.3186% | 2,636 |
| Net loans and leases to total assets | 70.3719% | 1,049 |
| Net loans and leases to deposits | 81.2708% | 1,169 |
| Net loans and leases to core deposits | 87.6510% | 1,176 |
| Total domestic deposits to total assets | 86.5894% | 2,510 |
| Equity capital to assets | 12.2078% | 1,306 |
| Core capital (leverage) ratio | 9.9966% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2103% | 2,643 |
| Memoranda: | ||
| Average total assets | $1,809,203,750 | 588 |
| Average earning assets | $1,665,327,250 | 580 |
| Average equity | $213,099,750 | 513 |
| Average total loans | $1,320,408,000 | 525 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 976 |
| Cost of funding earning assets | 0.4341% | 1,624 |
| Net interest margin | 3.8835% | 1,001 |
| Noninterest income to average assets | 0.3518% | 3,351 |
| Noninterest expense to average assets | 2.1993% | 3,095 |
| Loan and lease loss provision to assets | -0.1369% | 4,694 |
| Net operating income to assets | 1.4511% | 1,417 |
| Return on assets (ROA) | 1.4511% | 1,488 |
| Pretax return on assets | 1.8625% | 1,092 |
| Return on Equity (ROE) | 12.4723% | 1,887 |
| Retained earnings to average equity (ytd only) | 12.3361% | 844 |
| Net charge-offs to loans | 0.0322% | 1,330 |
| Credit loss provision to net charge-offs | -577.5701% | 3,514 |
| Earnings coverage of net charge-offs (x) | 72.7944% | 885 |
| Efficiency ratio | 55.2141% | 3,642 |
| Assets per employee ($millions) | 8.1569% | 1,139 |
| Cash dividends to net income (ytd only)* | 1.0916% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,004 |
| Loan loss allowance to noncurrent loans | 149.7457% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 1,536 |
| Noncurrent loans to loans | 0.6330% | 1,828 |
| Net loans and leases to total assets | 70.8174% | 1,111 |
| Net loans and leases to deposits | 81.0912% | 1,320 |
| Net loans and leases to core deposits | 87.7171% | 1,287 |
| Total domestic deposits to total assets | 87.3307% | 2,153 |
| Equity capital to assets | 11.5955% | 1,574 |
| Core capital (leverage) ratio | 9.5676% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4985% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,805,552,000 | 582 |
| Average earning assets | $1,661,222,000 | 579 |
| Average equity | $210,066,000 | 515 |
| Average total loans | $1,329,399,333 | 528 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 871 |
| Cost of funding earning assets | 0.4853% | 1,484 |
| Net interest margin | 3.9457% | 917 |
| Noninterest income to average assets | 0.3720% | 3,236 |
| Noninterest expense to average assets | 2.2244% | 3,030 |
| Loan and lease loss provision to assets | -0.1752% | 4,796 |
| Net operating income to assets | 1.5172% | 1,290 |
| Return on assets (ROA) | 1.5172% | 1,352 |
| Pretax return on assets | 1.9480% | 1,032 |
| Return on Equity (ROE) | 13.0174% | 1,668 |
| Retained earnings to average equity (ytd only) | 12.8781% | 945 |
| Net charge-offs to loans | 0.0434% | 1,038 |
| Credit loss provision to net charge-offs | -539.5833% | 3,196 |
| Earnings coverage of net charge-offs (x) | 54.6111% | 861 |
| Efficiency ratio | 54.7967% | 3,700 |
| Assets per employee ($millions) | 7.5750% | 1,409 |
| Cash dividends to net income (ytd only)* | 1.0698% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,921 |
| Loan loss allowance to noncurrent loans | 169.7606% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 1,781 |
| Noncurrent loans to loans | 0.5770% | 2,126 |
| Net loans and leases to total assets | 73.0226% | 897 |
| Net loans and leases to deposits | 83.6273% | 1,190 |
| Net loans and leases to core deposits | 90.8197% | 1,180 |
| Total domestic deposits to total assets | 87.3191% | 2,173 |
| Equity capital to assets | 11.3383% | 1,633 |
| Core capital (leverage) ratio | 9.7636% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1897% | 2,892 |
| Memoranda: | ||
| Average total assets | $1,774,361,000 | 590 |
| Average earning assets | $1,630,212,500 | 585 |
| Average equity | $206,800,500 | 515 |
| Average total loans | $1,326,358,500 | 528 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 1,170 |
| Cost of funding earning assets | 0.7461% | 1,473 |
| Net interest margin | 3.8182% | 1,451 |
| Noninterest income to average assets | 0.3128% | 3,599 |
| Noninterest expense to average assets | 2.6076% | 2,527 |
| Loan and lease loss provision to assets | 0.4085% | 753 |
| Net operating income to assets | 0.6139% | 3,700 |
| Return on assets (ROA) | 0.6139% | 3,825 |
| Pretax return on assets | 0.7772% | 3,685 |
| Return on Equity (ROE) | 4.6778% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.4923% | 2,537 |
| Net charge-offs to loans | 0.0389% | 2,276 |
| Credit loss provision to net charge-offs | 1,357.3913% | 617 |
| Earnings coverage of net charge-offs (x) | 39.3978% | 1,404 |
| Efficiency ratio | 67.5060% | 2,297 |
| Assets per employee ($millions) | 7.0047% | 1,585 |
| Cash dividends to net income (ytd only)* | 3.9642% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,560 |
| Loan loss allowance to noncurrent loans | 185.8272% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 1,858 |
| Noncurrent loans to loans | 0.5811% | 2,248 |
| Net loans and leases to total assets | 74.9988% | 904 |
| Net loans and leases to deposits | 86.1376% | 1,245 |
| Net loans and leases to core deposits | 94.6644% | 1,203 |
| Total domestic deposits to total assets | 87.0686% | 1,908 |
| Equity capital to assets | 11.9904% | 1,571 |
| Core capital (leverage) ratio | 9.2531% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4260% | 2,819 |
| Memoranda: | ||
| Average total assets | $1,528,479,800 | 605 |
| Average earning assets | $1,393,292,800 | 603 |
| Average equity | $200,608,800 | 502 |
| Average total loans | $1,183,665,200 | 554 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 1,754 |
| Cost of funding earning assets | 0.7708% | 1,630 |
| Net interest margin | 3.6630% | 2,051 |
| Noninterest income to average assets | 0.3253% | 3,539 |
| Noninterest expense to average assets | 2.5522% | 2,684 |
| Loan and lease loss provision to assets | 0.5266% | 543 |
| Net operating income to assets | 0.4625% | 4,136 |
| Return on assets (ROA) | 0.4625% | 4,207 |
| Pretax return on assets | 0.5801% | 4,137 |
| Return on Equity (ROE) | 3.4372% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,422 |
| Net charge-offs to loans | 0.0702% | 1,616 |
| Credit loss provision to net charge-offs | 962.7677% | 850 |
| Earnings coverage of net charge-offs (x) | 20.2356% | 1,907 |
| Efficiency ratio | 68.3920% | 2,127 |
| Assets per employee ($millions) | 7.4455% | 1,246 |
| Cash dividends to net income (ytd only)* | 5.8445% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,436 |
| Loan loss allowance to noncurrent loans | 146.7164% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,652 |
| Noncurrent loans to loans | 0.7185% | 2,001 |
| Net loans and leases to total assets | 72.1325% | 1,645 |
| Net loans and leases to deposits | 85.4594% | 1,762 |
| Net loans and leases to core deposits | 94.5630% | 1,591 |
| Total domestic deposits to total assets | 84.4056% | 2,673 |
| Equity capital to assets | 11.4475% | 2,055 |
| Core capital (leverage) ratio | 9.5754% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0023% | 2,609 |
| Memoranda: | ||
| Average total assets | $1,479,812,750 | 604 |
| Average earning assets | $1,346,717,250 | 609 |
| Average equity | $199,108,000 | 499 |
| Average total loans | $1,152,969,500 | 553 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,659 |
| Cost of funding earning assets | 0.8195% | 1,734 |
| Net interest margin | 3.7734% | 1,905 |
| Noninterest income to average assets | 0.3336% | 3,470 |
| Noninterest expense to average assets | 2.7159% | 2,338 |
| Loan and lease loss provision to assets | 0.6074% | 518 |
| Net operating income to assets | 0.3502% | 4,332 |
| Return on assets (ROA) | 0.3502% | 4,387 |
| Pretax return on assets | 0.4334% | 4,366 |
| Return on Equity (ROE) | 2.4477% | 4,454 |
| Retained earnings to average equity (ytd only) | 2.2206% | 3,675 |
| Net charge-offs to loans | 0.0859% | 1,392 |
| Credit loss provision to net charge-offs | 883.6134% | 857 |
| Earnings coverage of net charge-offs (x) | 15.1408% | 1,924 |
| Efficiency ratio | 70.8569% | 1,838 |
| Assets per employee ($millions) | 6.7990% | 1,560 |
| Cash dividends to net income (ytd only)* | 9.2784% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 3,751 |
| Loan loss allowance to noncurrent loans | 129.5433% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 1,560 |
| Noncurrent loans to loans | 0.7423% | 2,022 |
| Net loans and leases to total assets | 76.7166% | 1,038 |
| Net loans and leases to deposits | 91.4888% | 1,216 |
| Net loans and leases to core deposits | 102.2166% | 1,103 |
| Total domestic deposits to total assets | 83.8535% | 2,799 |
| Equity capital to assets | 12.3283% | 1,466 |
| Core capital (leverage) ratio | 10.4377% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9653% | 2,631 |
| Memoranda: | ||
| Average total assets | $1,384,888,000 | 629 |
| Average earning assets | $1,256,335,667 | 644 |
| Average equity | $198,143,667 | 500 |
| Average total loans | $1,108,492,000 | 566 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 1,024 |
| Cost of funding earning assets | 0.9050% | 1,835 |
| Net interest margin | 4.0651% | 1,209 |
| Noninterest income to average assets | 0.3930% | 3,155 |
| Noninterest expense to average assets | 2.7963% | 2,442 |
| Loan and lease loss provision to assets | 0.7169% | 363 |
| Net operating income to assets | 0.4501% | 4,015 |
| Return on assets (ROA) | 0.4501% | 4,064 |
| Pretax return on assets | 0.5617% | 3,999 |
| Return on Equity (ROE) | 2.8906% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.6414% | 3,211 |
| Net charge-offs to loans | 0.0042% | 2,423 |
| Credit loss provision to net charge-offs | 20,663.6364% | 32 |
| Earnings coverage of net charge-offs (x) | 368.5455% | 183 |
| Efficiency ratio | 67.2368% | 2,783 |
| Assets per employee ($millions) | 5.7125% | 1,918 |
| Cash dividends to net income (ytd only)* | 8.6195% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,615 |
| Loan loss allowance to noncurrent loans | 126.2794% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 1,385 |
| Noncurrent loans to loans | 0.8052% | 1,997 |
| Net loans and leases to total assets | 81.6284% | 477 |
| Net loans and leases to deposits | 102.8223% | 417 |
| Net loans and leases to core deposits | 122.4881% | 398 |
| Total domestic deposits to total assets | 79.3879% | 3,978 |
| Equity capital to assets | 15.7154% | 631 |
| Core capital (leverage) ratio | 13.8963% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9197% | 1,623 |
| Memoranda: | ||
| Average total assets | $1,268,250,500 | 656 |
| Average earning assets | $1,148,701,000 | 664 |
| Average equity | $197,469,500 | 499 |
| Average total loans | $1,036,011,000 | 579 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 1,220 |
| Cost of funding earning assets | 0.9513% | 1,953 |
| Net interest margin | 4.1454% | 1,437 |
| Noninterest income to average assets | 0.3458% | 3,639 |
| Noninterest expense to average assets | 2.6303% | 3,094 |
| Loan and lease loss provision to assets | 0.0344% | 3,323 |
| Net operating income to assets | 1.1344% | 2,317 |
| Return on assets (ROA) | 1.1373% | 2,400 |
| Pretax return on assets | 1.4524% | 1,971 |
| Return on Equity (ROE) | 7.6422% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.3437% | 1,236 |
| Net charge-offs to loans | 0.0779% | 1,986 |
| Credit loss provision to net charge-offs | 55.9387% | 3,074 |
| Earnings coverage of net charge-offs (x) | 24.0843% | 1,790 |
| Efficiency ratio | 62.3681% | 3,313 |
| Assets per employee ($millions) | 5.9814% | 1,649 |
| Cash dividends to net income (ytd only)* | 3.9068% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,284 |
| Loan loss allowance to noncurrent loans | 116.0625% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 1,532 |
| Noncurrent loans to loans | 0.6957% | 2,141 |
| Net loans and leases to total assets | 80.2632% | 750 |
| Net loans and leases to deposits | 100.7434% | 544 |
| Net loans and leases to core deposits | 124.2244% | 380 |
| Total domestic deposits to total assets | 79.6709% | 4,044 |
| Equity capital to assets | 15.4264% | 699 |
| Core capital (leverage) ratio | 13.5854% | 1,028 |
| Tier 1 risk-based capital ratio | 14.9524% | 2,795 |
| Total risk-based capital ratio | 15.6893% | 2,947 |
| Memoranda: | ||
| Average total assets | $1,271,559,600 | 627 |
| Average earning assets | $1,155,671,200 | 628 |
| Average equity | $189,237,800 | 495 |
| Average total loans | $1,004,841,400 | 571 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 1,349 |
| Cost of funding earning assets | 0.9433% | 2,021 |
| Net interest margin | 4.1292% | 1,552 |
| Noninterest income to average assets | 0.3386% | 3,705 |
| Noninterest expense to average assets | 2.6126% | 3,134 |
| Loan and lease loss provision to assets | 0.0143% | 3,620 |
| Net operating income to assets | 1.1477% | 2,378 |
| Return on assets (ROA) | 1.1517% | 2,449 |
| Pretax return on assets | 1.4722% | 2,039 |
| Return on Equity (ROE) | 7.8100% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,621 |
| Net charge-offs to loans | 0.1000% | 1,474 |
| Credit loss provision to net charge-offs | 18.1575% | 2,975 |
| Earnings coverage of net charge-offs (x) | 18.8532% | 2,032 |
| Efficiency ratio | 62.1986% | 3,299 |
| Assets per employee ($millions) | 5.9285% | 1,655 |
| Cash dividends to net income (ytd only)* | 3.9533% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 4,431 |
| Loan loss allowance to noncurrent loans | 70.7971% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 1,318 |
| Noncurrent loans to loans | 1.1193% | 1,420 |
| Net loans and leases to total assets | 79.4972% | 912 |
| Net loans and leases to deposits | 99.6021% | 673 |
| Net loans and leases to core deposits | 119.3948% | 553 |
| Total domestic deposits to total assets | 79.8148% | 4,024 |
| Equity capital to assets | 15.2318% | 783 |
| Core capital (leverage) ratio | 12.9748% | 1,355 |
| Tier 1 risk-based capital ratio | 14.8944% | 2,904 |
| Total risk-based capital ratio | 15.6223% | 3,052 |
| Memoranda: | ||
| Average total assets | $1,270,941,750 | 626 |
| Average earning assets | $1,155,860,500 | 628 |
| Average equity | $187,413,000 | 501 |
| Average total loans | $998,326,250 | 578 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,530 |
| Cost of funding earning assets | 0.8939% | 2,177 |
| Net interest margin | 4.0879% | 1,644 |
| Noninterest income to average assets | 0.3248% | 3,771 |
| Noninterest expense to average assets | 2.5766% | 3,260 |
| Loan and lease loss provision to assets | -0.0149% | 5,128 |
| Net operating income to assets | 1.1619% | 2,286 |
| Return on assets (ROA) | 1.1619% | 2,361 |
| Pretax return on assets | 1.4851% | 1,905 |
| Return on Equity (ROE) | 7.9669% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.6487% | 1,542 |
| Net charge-offs to loans | 0.0546% | 1,866 |
| Credit loss provision to net charge-offs | -35.0554% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.4945% | 1,354 |
| Efficiency ratio | 61.9914% | 3,433 |
| Assets per employee ($millions) | 6.2369% | 1,377 |
| Cash dividends to net income (ytd only)* | 3.9930% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,329 |
| Loan loss allowance to noncurrent loans | 64.0268% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 1,245 |
| Noncurrent loans to loans | 1.2995% | 1,213 |
| Net loans and leases to total assets | 75.1967% | 1,689 |
| Net loans and leases to deposits | 93.0232% | 1,372 |
| Net loans and leases to core deposits | 110.6530% | 941 |
| Total domestic deposits to total assets | 80.8364% | 3,865 |
| Equity capital to assets | 14.4092% | 978 |
| Core capital (leverage) ratio | 13.0612% | 1,266 |
| Tier 1 risk-based capital ratio | 14.8278% | 2,904 |
| Total risk-based capital ratio | 15.5920% | 3,067 |
| Memoranda: | ||
| Average total assets | $1,271,687,000 | 628 |
| Average earning assets | $1,157,864,670 | 627 |
| Average equity | $185,468,330 | 502 |
| Average total loans | $992,221,000 | 580 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 1,407 |
| Cost of funding earning assets | 0.8591% | 2,217 |
| Net interest margin | 4.1130% | 1,518 |
| Noninterest income to average assets | 0.3121% | 3,774 |
| Noninterest expense to average assets | 2.5418% | 3,393 |
| Loan and lease loss provision to assets | 0.0359% | 2,906 |
| Net operating income to assets | 1.1608% | 2,213 |
| Return on assets (ROA) | 1.1608% | 2,266 |
| Pretax return on assets | 1.4834% | 1,828 |
| Return on Equity (ROE) | 7.9088% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.5860% | 1,807 |
| Net charge-offs to loans | 0.1096% | 1,084 |
| Credit loss provision to net charge-offs | 41.3284% | 2,023 |
| Earnings coverage of net charge-offs (x) | 17.5129% | 1,655 |
| Efficiency ratio | 60.8308% | 3,696 |
| Assets per employee ($millions) | 5.9674% | 1,573 |
| Cash dividends to net income (ytd only)* | 4.0816% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,310 |
| Loan loss allowance to noncurrent loans | 89.7395% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 1,672 |
| Noncurrent loans to loans | 0.9558% | 1,751 |
| Net loans and leases to total assets | 79.2477% | 954 |
| Net loans and leases to deposits | 99.8153% | 652 |
| Net loans and leases to core deposits | 116.3554% | 639 |
| Total domestic deposits to total assets | 79.3943% | 4,277 |
| Equity capital to assets | 14.9318% | 767 |
| Core capital (leverage) ratio | 13.0175% | 1,268 |
| Tier 1 risk-based capital ratio | 14.6302% | 3,048 |
| Total risk-based capital ratio | 15.4202% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,249,532,500 | 641 |
| Average earning assets | $1,138,930,500 | 644 |
| Average equity | $183,390,000 | 502 |
| Average total loans | $989,387,500 | 582 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 803 |
| Cost of funding earning assets | 0.7975% | 1,532 |
| Net interest margin | 4.3296% | 1,091 |
| Noninterest income to average assets | 0.2977% | 4,116 |
| Noninterest expense to average assets | 2.7134% | 2,978 |
| Loan and lease loss provision to assets | -0.0127% | 5,116 |
| Net operating income to assets | 1.2036% | 2,155 |
| Return on assets (ROA) | 1.2036% | 2,147 |
| Pretax return on assets | 1.5434% | 1,644 |
| Return on Equity (ROE) | 9.3254% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.8080% | 933 |
| Net charge-offs to loans | 0.0009% | 3,748 |
| Credit loss provision to net charge-offs | -1,733.3333% | 4,817 |
| Earnings coverage of net charge-offs (x) | 2,088.3333% | 43 |
| Efficiency ratio | 61.7535% | 3,570 |
| Assets per employee ($millions) | 6.1358% | 1,431 |
| Cash dividends to net income (ytd only)* | 5.5484% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,253 |
| Loan loss allowance to noncurrent loans | 83.1639% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 1,515 |
| Noncurrent loans to loans | 1.0565% | 1,543 |
| Net loans and leases to total assets | 77.7487% | 1,315 |
| Net loans and leases to deposits | 96.3142% | 1,042 |
| Net loans and leases to core deposits | 115.6160% | 700 |
| Total domestic deposits to total assets | 80.7240% | 3,946 |
| Equity capital to assets | 14.4249% | 861 |
| Core capital (leverage) ratio | 12.4169% | 1,499 |
| Tier 1 risk-based capital ratio | 14.6296% | 3,002 |
| Total risk-based capital ratio | 15.4540% | 3,128 |
| Memoranda: | ||
| Average total assets | $1,227,890,400 | 629 |
| Average earning assets | $1,119,171,400 | 630 |
| Average equity | $158,481,600 | 541 |
| Average total loans | $987,079,200 | 565 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 721 |
| Cost of funding earning assets | 0.7704% | 1,480 |
| Net interest margin | 4.3551% | 998 |
| Noninterest income to average assets | 0.2932% | 4,189 |
| Noninterest expense to average assets | 2.8120% | 2,600 |
| Loan and lease loss provision to assets | 0.0261% | 3,492 |
| Net operating income to assets | 1.1053% | 2,641 |
| Return on assets (ROA) | 1.1053% | 2,652 |
| Pretax return on assets | 1.4198% | 2,162 |
| Return on Equity (ROE) | 8.8313% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.2342% | 1,543 |
| Net charge-offs to loans | -0.0022% | 4,097 |
| Credit loss provision to net charge-offs | -1,493.7500% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9760% | 3,190 |
| Assets per employee ($millions) | 6.4162% | 1,229 |
| Cash dividends to net income (ytd only)* | 6.7609% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,212 |
| Loan loss allowance to noncurrent loans | 94.9441% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,748 |
| Noncurrent loans to loans | 0.9630% | 1,765 |
| Net loans and leases to total assets | 78.7276% | 1,211 |
| Net loans and leases to deposits | 97.6094% | 983 |
| Net loans and leases to core deposits | 116.8021% | 676 |
| Total domestic deposits to total assets | 80.6557% | 3,966 |
| Equity capital to assets | 14.1099% | 925 |
| Core capital (leverage) ratio | 12.3890% | 1,562 |
| Tier 1 risk-based capital ratio | 14.2116% | 3,266 |
| Total risk-based capital ratio | 15.0810% | 3,358 |
| Memoranda: | ||
| Average total assets | $1,220,404,000 | 633 |
| Average earning assets | $1,111,017,500 | 633 |
| Average equity | $152,741,500 | 559 |
| Average total loans | $987,194,000 | 565 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 630 |
| Cost of funding earning assets | 0.7321% | 1,459 |
| Net interest margin | 4.3935% | 858 |
| Noninterest income to average assets | 0.2996% | 4,176 |
| Noninterest expense to average assets | 3.0086% | 2,020 |
| Loan and lease loss provision to assets | 0.1154% | 1,722 |
| Net operating income to assets | 0.9144% | 3,397 |
| Return on assets (ROA) | 0.9144% | 3,399 |
| Pretax return on assets | 1.1719% | 3,043 |
| Return on Equity (ROE) | 7.6418% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.8863% | 2,120 |
| Net charge-offs to loans | 0.0010% | 3,182 |
| Credit loss provision to net charge-offs | 13,960.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,557.8000% | 48 |
| Efficiency ratio | 67.9106% | 2,663 |
| Assets per employee ($millions) | 6.0786% | 1,413 |
| Cash dividends to net income (ytd only)* | 9.8861% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,068 |
| Loan loss allowance to noncurrent loans | 147.6825% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 2,272 |
| Noncurrent loans to loans | 0.6495% | 2,491 |
| Net loans and leases to total assets | 80.9159% | 872 |
| Net loans and leases to deposits | 98.9841% | 885 |
| Net loans and leases to core deposits | 121.3173% | 534 |
| Total domestic deposits to total assets | 81.7464% | 3,797 |
| Equity capital to assets | 12.1097% | 1,780 |
| Core capital (leverage) ratio | 9.9881% | 3,593 |
| Tier 1 risk-based capital ratio | 11.1303% | 4,985 |
| Total risk-based capital ratio | 12.0226% | 5,054 |
| Memoranda: | ||
| Average total assets | $1,210,150,000 | 640 |
| Average earning assets | $1,100,706,330 | 642 |
| Average equity | $144,809,330 | 584 |
| Average total loans | $984,891,330 | 568 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 625 |
| Cost of funding earning assets | 0.6923% | 1,482 |
| Net interest margin | 4.3591% | 837 |
| Noninterest income to average assets | 0.2912% | 4,220 |
| Noninterest expense to average assets | 3.2987% | 1,348 |
| Loan and lease loss provision to assets | 0.0467% | 2,835 |
| Net operating income to assets | 0.7169% | 4,043 |
| Return on assets (ROA) | 0.7169% | 4,053 |
| Pretax return on assets | 0.9157% | 3,797 |
| Return on Equity (ROE) | 6.0277% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.7129% | 2,847 |
| Net charge-offs to loans | 0.0073% | 2,481 |
| Credit loss provision to net charge-offs | 783.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 161.3889% | 406 |
| Efficiency ratio | 75.2060% | 1,717 |
| Assets per employee ($millions) | 6.0775% | 1,446 |
| Cash dividends to net income (ytd only)* | 5.2218% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 4,379 |
| Loan loss allowance to noncurrent loans | 177.4366% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,729 |
| Noncurrent loans to loans | 0.5158% | 2,968 |
| Net loans and leases to total assets | 79.3855% | 1,021 |
| Net loans and leases to deposits | 96.0391% | 1,032 |
| Net loans and leases to core deposits | 117.6930% | 666 |
| Total domestic deposits to total assets | 82.6595% | 3,767 |
| Equity capital to assets | 11.8246% | 1,901 |
| Core capital (leverage) ratio | 9.8926% | 3,656 |
| Tier 1 risk-based capital ratio | 10.8479% | 5,221 |
| Total risk-based capital ratio | 11.6884% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,207,368,000 | 647 |
| Average earning assets | $1,099,591,000 | 645 |
| Average equity | $143,604,500 | 591 |
| Average total loans | $980,720,500 | 572 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,476 |
| Cost of funding earning assets | 0.5416% | 2,015 |
| Net interest margin | 4.0429% | 1,613 |
| Noninterest income to average assets | 0.0485% | 5,536 |
| Noninterest expense to average assets | 2.5322% | 3,672 |
| Loan and lease loss provision to assets | 0.1487% | 1,527 |
| Net operating income to assets | 0.3969% | 4,704 |
| Return on assets (ROA) | 0.3970% | 4,717 |
| Pretax return on assets | 1.0569% | 3,355 |
| Return on Equity (ROE) | 3.1105% | 4,795 |
| Retained earnings to average equity (ytd only) | -7.9414% | 5,502 |
| Net charge-offs to loans | 0.1220% | 1,828 |
| Credit loss provision to net charge-offs | 149.6822% | 1,789 |
| Earnings coverage of net charge-offs (x) | 12.1377% | 2,502 |
| Efficiency ratio | 66.5963% | 3,150 |
| Assets per employee ($millions) | 5.8789% | 1,602 |
| Cash dividends to net income (ytd only)* | 355.3141% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,459 |
| Loan loss allowance to noncurrent loans | 247.2849% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 3,242 |
| Noncurrent loans to loans | 0.3654% | 3,458 |
| Net loans and leases to total assets | 81.2011% | 799 |
| Net loans and leases to deposits | 96.5737% | 1,031 |
| Net loans and leases to core deposits | 122.8957% | 498 |
| Total domestic deposits to total assets | 84.0820% | 3,168 |
| Equity capital to assets | 12.4122% | 1,565 |
| Core capital (leverage) ratio | 12.4564% | 1,379 |
| Tier 1 risk-based capital ratio | 10.8365% | 5,241 |
| Total risk-based capital ratio | 11.6503% | 5,319 |
| Memoranda: | ||
| Average total assets | $950,484,400 | 780 |
| Average earning assets | $867,318,200 | 782 |
| Average equity | $121,300,400 | 677 |
| Average total loans | $773,625,800 | 679 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 1,070 |
| Cost of funding earning assets | 0.5405% | 1,954 |
| Net interest margin | 4.1906% | 1,173 |
| Noninterest income to average assets | 0.2565% | 4,667 |
| Noninterest expense to average assets | 2.6197% | 3,348 |
| Loan and lease loss provision to assets | 0.1638% | 1,239 |
| Net operating income to assets | 0.8625% | 3,215 |
| Return on assets (ROA) | 0.8625% | 3,266 |
| Pretax return on assets | 1.3131% | 2,425 |
| Return on Equity (ROE) | 6.6962% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.1800% | 2,759 |
| Net charge-offs to loans | 0.1580% | 1,294 |
| Credit loss provision to net charge-offs | 127.6023% | 1,914 |
| Earnings coverage of net charge-offs (x) | 11.5076% | 2,499 |
| Efficiency ratio | 62.9855% | 3,711 |
| Assets per employee ($millions) | 5.4243% | 1,996 |
| Cash dividends to net income (ytd only)* | 22.6418% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,295 |
| Loan loss allowance to noncurrent loans | 323.1315% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,988 |
| Noncurrent loans to loans | 0.3505% | 3,690 |
| Net loans and leases to total assets | 81.8520% | 717 |
| Net loans and leases to deposits | 97.2731% | 987 |
| Net loans and leases to core deposits | 121.2231% | 547 |
| Total domestic deposits to total assets | 84.1466% | 3,064 |
| Equity capital to assets | 12.6225% | 1,590 |
| Core capital (leverage) ratio | 11.9774% | 1,702 |
| Tier 1 risk-based capital ratio | 12.5595% | 4,279 |
| Total risk-based capital ratio | 13.5602% | 4,334 |
| Memoranda: | ||
| Average total assets | $888,280,750 | 850 |
| Average earning assets | $813,968,750 | 850 |
| Average equity | $114,410,750 | 718 |
| Average total loans | $721,351,250 | 731 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,120 |
| Cost of funding earning assets | 0.5100% | 2,091 |
| Net interest margin | 4.1589% | 1,175 |
| Noninterest income to average assets | 0.3029% | 4,371 |
| Noninterest expense to average assets | 2.6171% | 3,380 |
| Loan and lease loss provision to assets | 0.2030% | 903 |
| Net operating income to assets | 0.8625% | 3,107 |
| Return on assets (ROA) | 0.8625% | 3,160 |
| Pretax return on assets | 1.2917% | 2,419 |
| Return on Equity (ROE) | 6.6497% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.3069% | 1,959 |
| Net charge-offs to loans | 0.2299% | 889 |
| Credit loss provision to net charge-offs | 109.4711% | 1,900 |
| Earnings coverage of net charge-offs (x) | 8.0615% | 2,539 |
| Efficiency ratio | 62.6456% | 3,877 |
| Assets per employee ($millions) | 5.8822% | 1,549 |
| Cash dividends to net income (ytd only)* | 5.1560% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,311 |
| Loan loss allowance to noncurrent loans | 217.8645% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 2,382 |
| Noncurrent loans to loans | 0.5279% | 3,176 |
| Net loans and leases to total assets | 80.5349% | 874 |
| Net loans and leases to deposits | 98.6298% | 831 |
| Net loans and leases to core deposits | 123.4421% | 450 |
| Total domestic deposits to total assets | 81.6537% | 3,996 |
| Equity capital to assets | 12.7522% | 1,493 |
| Core capital (leverage) ratio | 12.2452% | 1,501 |
| Tier 1 risk-based capital ratio | 12.9172% | 4,053 |
| Total risk-based capital ratio | 13.9364% | 4,102 |
| Memoranda: | ||
| Average total assets | $876,996,330 | 864 |
| Average earning assets | $803,197,330 | 867 |
| Average equity | $113,749,000 | 724 |
| Average total loans | $707,324,330 | 741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,018 |
| Cost of funding earning assets | 0.4824% | 2,230 |
| Net interest margin | 4.1726% | 1,045 |
| Noninterest income to average assets | 0.2875% | 4,496 |
| Noninterest expense to average assets | 2.6104% | 3,458 |
| Loan and lease loss provision to assets | -0.0900% | 5,746 |
| Net operating income to assets | 1.0527% | 2,062 |
| Return on assets (ROA) | 1.0527% | 2,109 |
| Pretax return on assets | 1.5855% | 1,272 |
| Return on Equity (ROE) | 8.0450% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.7119% | 1,571 |
| Net charge-offs to loans | 0.1127% | 1,269 |
| Credit loss provision to net charge-offs | -99.4872% | 3,936 |
| Earnings coverage of net charge-offs (x) | 16.5385% | 1,637 |
| Efficiency ratio | 62.5141% | 4,074 |
| Assets per employee ($millions) | 5.8215% | 1,630 |
| Cash dividends to net income (ytd only)* | 4.1410% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,491 |
| Loan loss allowance to noncurrent loans | 156.0093% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 2,576 |
| Noncurrent loans to loans | 0.7275% | 2,679 |
| Net loans and leases to total assets | 79.4885% | 902 |
| Net loans and leases to deposits | 97.9419% | 776 |
| Net loans and leases to core deposits | 118.0529% | 523 |
| Total domestic deposits to total assets | 81.1589% | 4,382 |
| Equity capital to assets | 12.9677% | 1,269 |
| Core capital (leverage) ratio | 12.5092% | 1,339 |
| Tier 1 risk-based capital ratio | 13.2070% | 3,943 |
| Total risk-based capital ratio | 14.2057% | 4,003 |
| Memoranda: | ||
| Average total assets | $862,564,500 | 879 |
| Average earning assets | $789,347,000 | 888 |
| Average equity | $112,865,000 | 730 |
| Average total loans | $691,976,000 | 754 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 1,214 |
| Cost of funding earning assets | 0.4468% | 2,565 |
| Net interest margin | 4.1807% | 1,166 |
| Noninterest income to average assets | 0.2939% | 4,636 |
| Noninterest expense to average assets | 2.5765% | 3,752 |
| Loan and lease loss provision to assets | 0.1821% | 1,305 |
| Net operating income to assets | 0.8867% | 2,895 |
| Return on assets (ROA) | 0.8884% | 3,002 |
| Pretax return on assets | 1.3433% | 2,124 |
| Return on Equity (ROE) | 6.7129% | 3,634 |
| Retained earnings to average equity (ytd only) | -0.8595% | 5,427 |
| Net charge-offs to loans | 0.0196% | 3,664 |
| Credit loss provision to net charge-offs | 1,203.1746% | 323 |
| Earnings coverage of net charge-offs (x) | 100.6111% | 594 |
| Efficiency ratio | 61.5876% | 4,332 |
| Assets per employee ($millions) | 5.6406% | 1,751 |
| Cash dividends to net income (ytd only)* | 112.8042% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,863 |
| Loan loss allowance to noncurrent loans | 132.7913% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 2,299 |
| Noncurrent loans to loans | 0.9353% | 2,216 |
| Net loans and leases to total assets | 79.0440% | 1,039 |
| Net loans and leases to deposits | 98.3539% | 794 |
| Net loans and leases to core deposits | 116.3992% | 600 |
| Total domestic deposits to total assets | 80.3670% | 4,493 |
| Equity capital to assets | 13.2065% | 1,170 |
| Core capital (leverage) ratio | 12.4427% | 1,359 |
| Tier 1 risk-based capital ratio | 13.4415% | 3,808 |
| Total risk-based capital ratio | 14.5289% | 3,821 |
| Memoranda: | ||
| Average total assets | $832,513,200 | 870 |
| Average earning assets | $757,770,400 | 882 |
| Average equity | $110,175,200 | 727 |
| Average total loans | $641,628,200 | 776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,259 |
| Cost of funding earning assets | 0.4411% | 2,626 |
| Net interest margin | 4.1761% | 1,188 |
| Noninterest income to average assets | 0.2920% | 4,674 |
| Noninterest expense to average assets | 2.5853% | 3,714 |
| Loan and lease loss provision to assets | 0.1362% | 1,726 |
| Net operating income to assets | 0.9070% | 2,864 |
| Return on assets (ROA) | 0.9094% | 2,989 |
| Pretax return on assets | 1.3723% | 2,151 |
| Return on Equity (ROE) | 6.8678% | 3,631 |
| Retained earnings to average equity (ytd only) | -3.1552% | 5,660 |
| Net charge-offs to loans | -0.0046% | 4,607 |
| Credit loss provision to net charge-offs | -3,850.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9005% | 4,252 |
| Assets per employee ($millions) | 5.6658% | 1,702 |
| Cash dividends to net income (ytd only)* | 145.9416% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,171 |
| Loan loss allowance to noncurrent loans | 148.6716% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 2,836 |
| Noncurrent loans to loans | 0.8143% | 2,636 |
| Net loans and leases to total assets | 76.2681% | 1,484 |
| Net loans and leases to deposits | 95.0411% | 1,146 |
| Net loans and leases to core deposits | 111.7762% | 822 |
| Total domestic deposits to total assets | 80.2475% | 4,456 |
| Equity capital to assets | 13.1091% | 1,439 |
| Core capital (leverage) ratio | 12.6391% | 1,341 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,803 |
| Total risk-based capital ratio | 14.6517% | 3,830 |
| Memoranda: | ||
| Average total assets | $829,119,250 | 876 |
| Average earning assets | $754,117,500 | 884 |
| Average equity | $109,784,250 | 732 |
| Average total loans | $632,736,750 | 784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 1,239 |
| Cost of funding earning assets | 0.4462% | 2,606 |
| Net interest margin | 4.1686% | 1,183 |
| Noninterest income to average assets | 0.3080% | 4,579 |
| Noninterest expense to average assets | 2.6038% | 3,711 |
| Loan and lease loss provision to assets | 0.1238% | 1,843 |
| Net operating income to assets | 0.9109% | 2,810 |
| Return on assets (ROA) | 0.9145% | 2,926 |
| Pretax return on assets | 1.3770% | 2,108 |
| Return on Equity (ROE) | 6.8828% | 3,613 |
| Retained earnings to average equity (ytd only) | -8.0336% | 5,838 |
| Net charge-offs to loans | -0.0514% | 5,382 |
| Credit loss provision to net charge-offs | -316.7702% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1751% | 4,320 |
| Assets per employee ($millions) | 5.6964% | 1,626 |
| Cash dividends to net income (ytd only)* | 216.7197% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 3,262 |
| Loan loss allowance to noncurrent loans | 119.6081% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 2,431 |
| Noncurrent loans to loans | 1.0173% | 2,253 |
| Net loans and leases to total assets | 75.6062% | 1,553 |
| Net loans and leases to deposits | 94.3881% | 1,248 |
| Net loans and leases to core deposits | 111.8215% | 822 |
| Total domestic deposits to total assets | 80.1014% | 4,512 |
| Equity capital to assets | 13.1970% | 1,390 |
| Core capital (leverage) ratio | 12.3453% | 1,432 |
| Tier 1 risk-based capital ratio | 13.5261% | 3,886 |
| Total risk-based capital ratio | 14.5635% | 3,929 |
| Memoranda: | ||
| Average total assets | $824,093,330 | 883 |
| Average earning assets | $749,499,670 | 891 |
| Average equity | $109,490,000 | 735 |
| Average total loans | $626,401,330 | 793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,369 |
| Cost of funding earning assets | 0.4511% | 2,568 |
| Net interest margin | 4.1016% | 1,341 |
| Noninterest income to average assets | 0.3100% | 4,513 |
| Noninterest expense to average assets | 2.6280% | 3,663 |
| Loan and lease loss provision to assets | 0.1711% | 1,203 |
| Net operating income to assets | 0.8316% | 3,087 |
| Return on assets (ROA) | 0.8387% | 3,174 |
| Pretax return on assets | 1.2552% | 2,483 |
| Return on Equity (ROE) | 6.2917% | 3,839 |
| Retained earnings to average equity (ytd only) | -23.1691% | 5,986 |
| Net charge-offs to loans | -0.0988% | 5,628 |
| Credit loss provision to net charge-offs | -228.5714% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5861% | 4,192 |
| Assets per employee ($millions) | 5.6069% | 1,741 |
| Cash dividends to net income (ytd only)* | 468.2503% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,507 |
| Loan loss allowance to noncurrent loans | 111.7263% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 2,134 |
| Noncurrent loans to loans | 1.0700% | 2,250 |
| Net loans and leases to total assets | 74.9669% | 1,558 |
| Net loans and leases to deposits | 93.1257% | 1,215 |
| Net loans and leases to core deposits | 109.7253% | 865 |
| Total domestic deposits to total assets | 80.5008% | 4,631 |
| Equity capital to assets | 12.8696% | 1,477 |
| Core capital (leverage) ratio | 11.9330% | 1,653 |
| Tier 1 risk-based capital ratio | 13.2164% | 4,135 |
| Total risk-based capital ratio | 14.2291% | 4,196 |
| Memoranda: | ||
| Average total assets | $823,148,000 | 885 |
| Average earning assets | $749,271,500 | 892 |
| Average equity | $109,732,500 | 739 |
| Average total loans | $623,508,500 | 794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 915 |
| Cost of funding earning assets | 0.4639% | 2,498 |
| Net interest margin | 4.3434% | 883 |
| Noninterest income to average assets | 0.3295% | 4,545 |
| Noninterest expense to average assets | 2.7975% | 3,240 |
| Loan and lease loss provision to assets | 0.1154% | 2,076 |
| Net operating income to assets | 0.8898% | 2,930 |
| Return on assets (ROA) | 0.9182% | 2,859 |
| Pretax return on assets | 1.3967% | 1,917 |
| Return on Equity (ROE) | 6.4651% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.1949% | 1,707 |
| Net charge-offs to loans | 0.1229% | 2,141 |
| Credit loss provision to net charge-offs | 124.8247% | 2,082 |
| Earnings coverage of net charge-offs (x) | 15.8962% | 2,172 |
| Efficiency ratio | 63.9153% | 4,286 |
| Assets per employee ($millions) | 5.3018% | 2,011 |
| Cash dividends to net income (ytd only)* | 4.1784% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 3,820 |
| Loan loss allowance to noncurrent loans | 103.6157% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 2,193 |
| Noncurrent loans to loans | 1.0975% | 2,144 |
| Net loans and leases to total assets | 74.7577% | 1,606 |
| Net loans and leases to deposits | 93.7187% | 1,227 |
| Net loans and leases to core deposits | 108.4405% | 949 |
| Total domestic deposits to total assets | 79.7681% | 4,806 |
| Equity capital to assets | 13.7996% | 1,006 |
| Core capital (leverage) ratio | 13.3089% | 1,034 |
| Tier 1 risk-based capital ratio | 14.4963% | 3,450 |
| Total risk-based capital ratio | 15.4679% | 3,512 |
| Memoranda: | ||
| Average total assets | $771,517,600 | 898 |
| Average earning assets | $699,330,000 | 919 |
| Average equity | $109,573,400 | 697 |
| Average total loans | $580,011,400 | 808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 826 |
| Cost of funding earning assets | 0.4708% | 2,492 |
| Net interest margin | 4.3959% | 804 |
| Noninterest income to average assets | 0.3188% | 4,659 |
| Noninterest expense to average assets | 2.8559% | 2,987 |
| Loan and lease loss provision to assets | 0.0673% | 2,834 |
| Net operating income to assets | 0.8733% | 3,075 |
| Return on assets (ROA) | 0.8977% | 3,057 |
| Pretax return on assets | 1.4158% | 1,945 |
| Return on Equity (ROE) | 6.2732% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0036% | 2,246 |
| Net charge-offs to loans | 0.0458% | 2,987 |
| Credit loss provision to net charge-offs | 195.9184% | 1,358 |
| Earnings coverage of net charge-offs (x) | 42.0352% | 1,196 |
| Efficiency ratio | 64.6550% | 4,125 |
| Assets per employee ($millions) | 5.0059% | 2,290 |
| Cash dividends to net income (ytd only)* | 4.2978% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,788 |
| Loan loss allowance to noncurrent loans | 92.4533% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 2,162 |
| Noncurrent loans to loans | 1.2720% | 2,007 |
| Net loans and leases to total assets | 75.1898% | 1,508 |
| Net loans and leases to deposits | 95.1096% | 1,085 |
| Net loans and leases to core deposits | 107.5775% | 1,001 |
| Total domestic deposits to total assets | 79.0559% | 4,963 |
| Equity capital to assets | 14.1584% | 959 |
| Core capital (leverage) ratio | 13.4863% | 1,021 |
| Tier 1 risk-based capital ratio | 14.6570% | 3,463 |
| Total risk-based capital ratio | 15.6589% | 3,539 |
| Memoranda: | ||
| Average total assets | $760,278,500 | 913 |
| Average earning assets | $688,680,500 | 936 |
| Average equity | $108,799,250 | 709 |
| Average total loans | $570,664,750 | 822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 755 |
| Cost of funding earning assets | 0.4786% | 2,442 |
| Net interest margin | 4.4075% | 751 |
| Noninterest income to average assets | 0.3757% | 4,259 |
| Noninterest expense to average assets | 2.8758% | 2,972 |
| Loan and lease loss provision to assets | -0.0024% | 5,930 |
| Net operating income to assets | 0.9467% | 2,655 |
| Return on assets (ROA) | 0.9839% | 2,591 |
| Pretax return on assets | 1.5492% | 1,491 |
| Return on Equity (ROE) | 6.8498% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.5794% | 1,909 |
| Net charge-offs to loans | -0.0025% | 4,613 |
| Credit loss provision to net charge-offs | 128.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0293% | 4,356 |
| Assets per employee ($millions) | 4.7861% | 2,563 |
| Cash dividends to net income (ytd only)* | 3.9481% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,838 |
| Loan loss allowance to noncurrent loans | 82.6928% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 2,002 |
| Noncurrent loans to loans | 1.4421% | 1,849 |
| Net loans and leases to total assets | 76.4157% | 1,311 |
| Net loans and leases to deposits | 97.4894% | 835 |
| Net loans and leases to core deposits | 107.3022% | 1,007 |
| Total domestic deposits to total assets | 78.3837% | 5,203 |
| Equity capital to assets | 14.7664% | 753 |
| Core capital (leverage) ratio | 13.8148% | 900 |
| Tier 1 risk-based capital ratio | 15.2566% | 3,220 |
| Total risk-based capital ratio | 16.2856% | 3,269 |
| Memoranda: | ||
| Average total assets | $751,729,000 | 927 |
| Average earning assets | $680,344,330 | 949 |
| Average equity | $107,974,000 | 718 |
| Average total loans | $561,563,330 | 840 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 795 |
| Cost of funding earning assets | 0.5056% | 2,234 |
| Net interest margin | 4.3292% | 827 |
| Noninterest income to average assets | 0.3727% | 4,223 |
| Noninterest expense to average assets | 2.8113% | 3,214 |
| Loan and lease loss provision to assets | 0.0687% | 2,570 |
| Net operating income to assets | 0.9271% | 2,623 |
| Return on assets (ROA) | 0.9563% | 2,607 |
| Pretax return on assets | 1.4622% | 1,690 |
| Return on Equity (ROE) | 6.7507% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.4895% | 2,242 |
| Net charge-offs to loans | 0.0389% | 2,444 |
| Credit loss provision to net charge-offs | 240.7407% | 937 |
| Earnings coverage of net charge-offs (x) | 52.0556% | 813 |
| Efficiency ratio | 63.5133% | 4,553 |
| Assets per employee ($millions) | 4.9194% | 2,464 |
| Cash dividends to net income (ytd only)* | 3.8695% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 3,751 |
| Loan loss allowance to noncurrent loans | 69.9949% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 1,778 |
| Noncurrent loans to loans | 1.7686% | 1,541 |
| Net loans and leases to total assets | 73.8219% | 1,531 |
| Net loans and leases to deposits | 91.5106% | 1,239 |
| Net loans and leases to core deposits | 100.9427% | 1,259 |
| Total domestic deposits to total assets | 80.6703% | 4,897 |
| Equity capital to assets | 14.4722% | 842 |
| Core capital (leverage) ratio | 13.4336% | 995 |
| Tier 1 risk-based capital ratio | 15.5542% | 3,120 |
| Total risk-based capital ratio | 16.6401% | 3,135 |
| Memoranda: | ||
| Average total assets | $756,670,500 | 918 |
| Average earning assets | $685,941,500 | 935 |
| Average equity | $107,189,000 | 721 |
| Average total loans | $555,480,500 | 844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,211 |
| Cost of funding earning assets | 0.7560% | 820 |
| Net interest margin | 3.9892% | 1,929 |
| Noninterest income to average assets | 0.3006% | 4,971 |
| Noninterest expense to average assets | 3.2334% | 2,117 |
| Loan and lease loss provision to assets | -0.0313% | 5,973 |
| Net operating income to assets | 0.4379% | 5,079 |
| Return on assets (ROA) | 0.4331% | 5,187 |
| Pretax return on assets | 0.6921% | 4,654 |
| Return on Equity (ROE) | 3.2853% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.9218% | 4,162 |
| Net charge-offs to loans | 0.0038% | 4,877 |
| Credit loss provision to net charge-offs | -1,212.5000% | 5,923 |
| Earnings coverage of net charge-offs (x) | 258.8125% | 208 |
| Efficiency ratio | 81.4377% | 1,719 |
| Assets per employee ($millions) | 4.9609% | 2,371 |
| Cash dividends to net income (ytd only)* | 11.0656% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 3,772 |
| Loan loss allowance to noncurrent loans | 74.6510% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 1,972 |
| Noncurrent loans to loans | 1.6608% | 1,758 |
| Net loans and leases to total assets | 71.3632% | 2,020 |
| Net loans and leases to deposits | 87.6670% | 1,777 |
| Net loans and leases to core deposits | 96.7777% | 1,655 |
| Total domestic deposits to total assets | 81.4026% | 4,627 |
| Equity capital to assets | 13.6842% | 1,080 |
| Core capital (leverage) ratio | 12.6097% | 1,304 |
| Tier 1 risk-based capital ratio | 15.9953% | 2,962 |
| Total risk-based capital ratio | 17.1279% | 2,975 |
| Memoranda: | ||
| Average total assets | $619,689,400 | 1,074 |
| Average earning assets | $559,383,400 | 1,087 |
| Average equity | $81,697,200 | 894 |
| Average total loans | $424,941,800 | 1,034 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,542 |
| Cost of funding earning assets | 0.8004% | 683 |
| Net interest margin | 3.8073% | 2,595 |
| Noninterest income to average assets | 0.2899% | 5,127 |
| Noninterest expense to average assets | 3.3158% | 1,867 |
| Loan and lease loss provision to assets | -0.0845% | 6,248 |
| Net operating income to assets | 0.2910% | 5,617 |
| Return on assets (ROA) | 0.2837% | 5,708 |
| Pretax return on assets | 0.4811% | 5,378 |
| Return on Equity (ROE) | 2.1793% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.7880% | 5,160 |
| Net charge-offs to loans | 0.0522% | 3,468 |
| Credit loss provision to net charge-offs | -240.2597% | 5,607 |
| Earnings coverage of net charge-offs (x) | 11.5973% | 2,405 |
| Efficiency ratio | 87.9018% | 1,013 |
| Assets per employee ($millions) | 5.0169% | 2,218 |
| Cash dividends to net income (ytd only)* | 17.9551% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,260 |
| Loan loss allowance to noncurrent loans | 89.8940% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 2,664 |
| Noncurrent loans to loans | 1.3291% | 2,424 |
| Net loans and leases to total assets | 68.9900% | 2,368 |
| Net loans and leases to deposits | 83.9265% | 2,160 |
| Net loans and leases to core deposits | 92.5097% | 1,993 |
| Total domestic deposits to total assets | 82.2029% | 4,410 |
| Equity capital to assets | 13.1086% | 1,373 |
| Core capital (leverage) ratio | 13.4167% | 1,025 |
| Tier 1 risk-based capital ratio | 15.3460% | 3,398 |
| Total risk-based capital ratio | 16.4156% | 3,431 |
| Memoranda: | ||
| Average total assets | $583,619,000 | 1,143 |
| Average earning assets | $526,374,000 | 1,164 |
| Average equity | $75,985,750 | 967 |
| Average total loans | $393,167,750 | 1,121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,607 |
| Cost of funding earning assets | 0.8833% | 468 |
| Net interest margin | 3.6877% | 3,009 |
| Noninterest income to average assets | 0.3136% | 4,906 |
| Noninterest expense to average assets | 3.1202% | 2,424 |
| Loan and lease loss provision to assets | -0.1840% | 6,456 |
| Net operating income to assets | 0.4447% | 5,037 |
| Return on assets (ROA) | 0.3924% | 5,320 |
| Pretax return on assets | 0.6275% | 4,862 |
| Return on Equity (ROE) | 3.0246% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.5895% | 4,553 |
| Net charge-offs to loans | 0.0766% | 2,928 |
| Credit loss provision to net charge-offs | -363.3588% | 5,506 |
| Earnings coverage of net charge-offs (x) | 10.3664% | 2,258 |
| Efficiency ratio | 84.9809% | 1,389 |
| Assets per employee ($millions) | 4.7004% | 2,607 |
| Cash dividends to net income (ytd only)* | 14.3842% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 1,510 |
| Loan loss allowance to noncurrent loans | 84.7620% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 1,885 |
| Noncurrent loans to loans | 2.2781% | 1,429 |
| Net loans and leases to total assets | 64.4989% | 3,000 |
| Net loans and leases to deposits | 76.1511% | 3,035 |
| Net loans and leases to core deposits | 81.8432% | 2,991 |
| Total domestic deposits to total assets | 84.6985% | 3,642 |
| Equity capital to assets | 13.3800% | 1,200 |
| Core capital (leverage) ratio | 13.1217% | 1,120 |
| Tier 1 risk-based capital ratio | 18.4382% | 2,089 |
| Total risk-based capital ratio | 19.6945% | 2,045 |
| Memoranda: | ||
| Average total assets | $517,277,330 | 1,303 |
| Average earning assets | $467,340,330 | 1,315 |
| Average equity | $67,116,330 | 1,091 |
| Average total loans | $342,065,330 | 1,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 1,672 |
| Cost of funding earning assets | 0.8796% | 506 |
| Net interest margin | 3.6625% | 3,013 |
| Noninterest income to average assets | 0.2375% | 5,461 |
| Noninterest expense to average assets | 3.0784% | 2,594 |
| Loan and lease loss provision to assets | -0.0375% | 6,441 |
| Net operating income to assets | 0.3285% | 5,397 |
| Return on assets (ROA) | 0.2574% | 5,684 |
| Pretax return on assets | 0.3999% | 5,456 |
| Return on Equity (ROE) | 2.0146% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.5709% | 4,983 |
| Net charge-offs to loans | -0.0231% | 5,422 |
| Credit loss provision to net charge-offs | 245.0000% | 917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0440% | 1,449 |
| Assets per employee ($millions) | 5.0917% | 2,136 |
| Cash dividends to net income (ytd only)* | 22.0238% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 1,456 |
| Loan loss allowance to noncurrent loans | 78.4653% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.9613% | 1,745 |
| Noncurrent loans to loans | 2.5889% | 1,330 |
| Net loans and leases to total assets | 65.2354% | 2,687 |
| Net loans and leases to deposits | 76.5725% | 2,747 |
| Net loans and leases to core deposits | 82.3662% | 2,704 |
| Total domestic deposits to total assets | 85.1943% | 3,782 |
| Equity capital to assets | 12.8945% | 1,356 |
| Core capital (leverage) ratio | 12.8410% | 1,228 |
| Tier 1 risk-based capital ratio | 17.7697% | 2,385 |
| Total risk-based capital ratio | 19.0275% | 2,353 |
| Memoranda: | ||
| Average total assets | $522,097,000 | 1,291 |
| Average earning assets | $472,464,000 | 1,308 |
| Average equity | $66,713,500 | 1,097 |
| Average total loans | $346,164,000 | 1,268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 2,006 |
| Cost of funding earning assets | 0.9762% | 510 |
| Net interest margin | 3.5817% | 3,542 |
| Noninterest income to average assets | 0.3681% | 4,678 |
| Noninterest expense to average assets | 2.7382% | 3,959 |
| Loan and lease loss provision to assets | -0.0586% | 6,409 |
| Net operating income to assets | 0.6075% | 4,230 |
| Return on assets (ROA) | 0.5776% | 4,486 |
| Pretax return on assets | 0.9272% | 3,657 |
| Return on Equity (ROE) | 4.8669% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5309% | 2,950 |
| Net charge-offs to loans | 0.1455% | 3,348 |
| Credit loss provision to net charge-offs | -62.7413% | 5,820 |
| Earnings coverage of net charge-offs (x) | 9.7934% | 2,458 |
| Efficiency ratio | 74.3740% | 3,066 |
| Assets per employee ($millions) | 5.4107% | 1,743 |
| Cash dividends to net income (ytd only)* | 6.9041% | 4,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 1,473 |
| Loan loss allowance to noncurrent loans | 75.6948% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.1580% | 1,652 |
| Noncurrent loans to loans | 2.6895% | 1,363 |
| Net loans and leases to total assets | 64.6762% | 2,924 |
| Net loans and leases to deposits | 75.4786% | 3,031 |
| Net loans and leases to core deposits | 81.1688% | 2,989 |
| Total domestic deposits to total assets | 85.6880% | 3,405 |
| Equity capital to assets | 12.6627% | 1,442 |
| Core capital (leverage) ratio | 12.3373% | 1,429 |
| Tier 1 risk-based capital ratio | 17.6311% | 2,368 |
| Total risk-based capital ratio | 18.8889% | 2,343 |
| Memoranda: | ||
| Average total assets | $554,237,000 | 1,195 |
| Average earning assets | $508,395,800 | 1,196 |
| Average equity | $65,770,600 | 1,092 |
| Average total loans | $356,080,000 | 1,204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 2,010 |
| Cost of funding earning assets | 0.9939% | 507 |
| Net interest margin | 3.5655% | 3,598 |
| Noninterest income to average assets | 0.3571% | 4,840 |
| Noninterest expense to average assets | 2.6237% | 4,312 |
| Loan and lease loss provision to assets | -0.1436% | 6,668 |
| Net operating income to assets | 0.7163% | 3,775 |
| Return on assets (ROA) | 0.6885% | 4,053 |
| Pretax return on assets | 1.1128% | 3,060 |
| Return on Equity (ROE) | 5.8943% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.7419% | 2,570 |
| Net charge-offs to loans | 0.1614% | 2,943 |
| Credit loss provision to net charge-offs | -139.4009% | 5,834 |
| Earnings coverage of net charge-offs (x) | 9.8272% | 2,431 |
| Efficiency ratio | 71.5853% | 3,487 |
| Assets per employee ($millions) | 5.0414% | 2,112 |
| Cash dividends to net income (ytd only)* | 2.5863% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9646% | 1,813 |
| Loan loss allowance to noncurrent loans | 84.2506% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 2,143 |
| Noncurrent loans to loans | 2.3318% | 1,880 |
| Net loans and leases to total assets | 62.8550% | 3,195 |
| Net loans and leases to deposits | 74.4118% | 3,173 |
| Net loans and leases to core deposits | 80.3213% | 3,094 |
| Total domestic deposits to total assets | 84.4690% | 3,994 |
| Equity capital to assets | 12.2189% | 1,769 |
| Core capital (leverage) ratio | 12.0928% | 1,619 |
| Tier 1 risk-based capital ratio | 16.9392% | 2,734 |
| Total risk-based capital ratio | 18.1922% | 2,697 |
| Memoranda: | ||
| Average total assets | $561,586,000 | 1,192 |
| Average earning assets | $516,494,250 | 1,189 |
| Average equity | $65,598,500 | 1,104 |
| Average total loans | $358,474,750 | 1,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,839 |
| Cost of funding earning assets | 1.0085% | 524 |
| Net interest margin | 3.5973% | 3,367 |
| Noninterest income to average assets | 0.3734% | 4,723 |
| Noninterest expense to average assets | 2.5814% | 4,447 |
| Loan and lease loss provision to assets | -0.1675% | 6,763 |
| Net operating income to assets | 0.8003% | 3,296 |
| Return on assets (ROA) | 0.7696% | 3,627 |
| Pretax return on assets | 1.2138% | 2,607 |
| Return on Equity (ROE) | 6.6873% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.4606% | 2,169 |
| Net charge-offs to loans | 0.1128% | 3,234 |
| Credit loss provision to net charge-offs | -232.8431% | 5,762 |
| Earnings coverage of net charge-offs (x) | 15.2157% | 1,759 |
| Efficiency ratio | 69.6720% | 3,887 |
| Assets per employee ($millions) | 5.6081% | 1,490 |
| Cash dividends to net income (ytd only)* | 3.3898% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 1,793 |
| Loan loss allowance to noncurrent loans | 82.3221% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.0266% | 2,128 |
| Noncurrent loans to loans | 2.4625% | 1,893 |
| Net loans and leases to total assets | 63.4724% | 3,012 |
| Net loans and leases to deposits | 74.8111% | 3,035 |
| Net loans and leases to core deposits | 80.8853% | 2,927 |
| Total domestic deposits to total assets | 84.8435% | 3,968 |
| Equity capital to assets | 11.9862% | 1,924 |
| Core capital (leverage) ratio | 11.7552% | 1,761 |
| Tier 1 risk-based capital ratio | 16.3303% | 3,022 |
| Total risk-based capital ratio | 17.5870% | 2,979 |
| Memoranda: | ||
| Average total assets | $567,290,000 | 1,183 |
| Average earning assets | $520,774,670 | 1,181 |
| Average equity | $65,288,330 | 1,107 |
| Average total loans | $361,604,000 | 1,177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 2,273 |
| Cost of funding earning assets | 1.0113% | 585 |
| Net interest margin | 3.4604% | 3,858 |
| Noninterest income to average assets | 0.2992% | 5,305 |
| Noninterest expense to average assets | 2.5709% | 4,498 |
| Loan and lease loss provision to assets | -0.0694% | 6,812 |
| Net operating income to assets | 0.6288% | 4,085 |
| Return on assets (ROA) | 0.5964% | 4,385 |
| Pretax return on assets | 0.9421% | 3,605 |
| Return on Equity (ROE) | 5.2866% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.2866% | 3,062 |
| Net charge-offs to loans | 0.0242% | 3,696 |
| Credit loss provision to net charge-offs | -454.5455% | 5,454 |
| Earnings coverage of net charge-offs (x) | 60.4545% | 592 |
| Efficiency ratio | 72.9982% | 3,444 |
| Assets per employee ($millions) | 5.2513% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 1,680 |
| Loan loss allowance to noncurrent loans | 102.5590% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7493% | 2,673 |
| Noncurrent loans to loans | 2.1008% | 2,503 |
| Net loans and leases to total assets | 62.2575% | 3,011 |
| Net loans and leases to deposits | 72.9031% | 3,066 |
| Net loans and leases to core deposits | 78.8571% | 2,952 |
| Total domestic deposits to total assets | 85.3976% | 3,846 |
| Equity capital to assets | 11.5229% | 2,390 |
| Core capital (leverage) ratio | 11.1286% | 2,152 |
| Tier 1 risk-based capital ratio | 16.0080% | 3,266 |
| Total risk-based capital ratio | 17.2624% | 3,222 |
| Memoranda: | ||
| Average total assets | $576,139,000 | 1,175 |
| Average earning assets | $531,967,000 | 1,158 |
| Average equity | $64,995,000 | 1,135 |
| Average total loans | $364,377,500 | 1,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 2,182 |
| Cost of funding earning assets | 1.1938% | 600 |
| Net interest margin | 3.6088% | 4,044 |
| Noninterest income to average assets | 0.3989% | 4,618 |
| Noninterest expense to average assets | 2.7443% | 4,235 |
| Loan and lease loss provision to assets | -0.4487% | 7,035 |
| Net operating income to assets | 0.8743% | 2,933 |
| Return on assets (ROA) | 0.8496% | 3,298 |
| Pretax return on assets | 1.3622% | 2,167 |
| Return on Equity (ROE) | 7.8341% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.8341% | 1,182 |
| Net charge-offs to loans | -0.1171% | 6,857 |
| Credit loss provision to net charge-offs | 564.5652% | 437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2428% | 3,030 |
| Assets per employee ($millions) | 5.4686% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1466% | 1,656 |
| Loan loss allowance to noncurrent loans | 77.9874% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.2147% | 2,210 |
| Noncurrent loans to loans | 2.7524% | 1,921 |
| Net loans and leases to total assets | 61.5232% | 3,333 |
| Net loans and leases to deposits | 71.9996% | 3,412 |
| Net loans and leases to core deposits | 78.0990% | 3,249 |
| Total domestic deposits to total assets | 85.4494% | 3,637 |
| Equity capital to assets | 11.0468% | 2,892 |
| Core capital (leverage) ratio | 10.5199% | 2,740 |
| Tier 1 risk-based capital ratio | 14.9756% | 3,732 |
| Total risk-based capital ratio | 16.2363% | 3,679 |
| Memoranda: | ||
| Average total assets | $578,832,000 | 1,145 |
| Average earning assets | $528,896,800 | 1,138 |
| Average equity | $62,776,800 | 1,134 |
| Average total loans | $392,665,400 | 1,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 1,988 |
| Cost of funding earning assets | 1.2272% | 611 |
| Net interest margin | 3.6784% | 3,886 |
| Noninterest income to average assets | 0.3354% | 5,118 |
| Noninterest expense to average assets | 2.7373% | 4,222 |
| Loan and lease loss provision to assets | -0.5998% | 7,151 |
| Net operating income to assets | 0.9759% | 2,632 |
| Return on assets (ROA) | 0.9502% | 2,974 |
| Pretax return on assets | 1.5078% | 1,852 |
| Return on Equity (ROE) | 8.8029% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.8029% | 1,300 |
| Net charge-offs to loans | -0.3848% | 7,078 |
| Credit loss provision to net charge-offs | 225.6299% | 1,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2730% | 2,941 |
| Assets per employee ($millions) | 5.4994% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 1,663 |
| Loan loss allowance to noncurrent loans | 57.2419% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.0916% | 1,685 |
| Noncurrent loans to loans | 3.8858% | 1,332 |
| Net loans and leases to total assets | 65.3764% | 2,756 |
| Net loans and leases to deposits | 78.1860% | 2,635 |
| Net loans and leases to core deposits | 85.4176% | 2,533 |
| Total domestic deposits to total assets | 83.6164% | 4,386 |
| Equity capital to assets | 11.0940% | 3,159 |
| Core capital (leverage) ratio | 10.1719% | 3,316 |
| Tier 1 risk-based capital ratio | 13.3334% | 4,997 |
| Total risk-based capital ratio | 14.5926% | 4,955 |
| Memoranda: | ||
| Average total assets | $577,255,750 | 1,160 |
| Average earning assets | $525,721,750 | 1,160 |
| Average equity | $62,311,250 | 1,151 |
| Average total loans | $398,858,750 | 1,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,875 |
| Cost of funding earning assets | 1.2520% | 642 |
| Net interest margin | 3.7166% | 3,740 |
| Noninterest income to average assets | 0.3770% | 4,825 |
| Noninterest expense to average assets | 2.8008% | 4,019 |
| Loan and lease loss provision to assets | -0.9654% | 7,225 |
| Net operating income to assets | 1.2095% | 1,683 |
| Return on assets (ROA) | 1.1823% | 1,978 |
| Pretax return on assets | 1.8881% | 866 |
| Return on Equity (ROE) | 11.0550% | 1,976 |
| Retained earnings to average equity (ytd only) | 11.0550% | 736 |
| Net charge-offs to loans | -0.6261% | 7,149 |
| Credit loss provision to net charge-offs | 220.7607% | 1,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3675% | 3,016 |
| Assets per employee ($millions) | 5.0744% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 1,818 |
| Loan loss allowance to noncurrent loans | 57.9858% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.2907% | 1,649 |
| Noncurrent loans to loans | 3.7592% | 1,500 |
| Net loans and leases to total assets | 67.8004% | 2,311 |
| Net loans and leases to deposits | 80.7764% | 2,268 |
| Net loans and leases to core deposits | 88.6878% | 2,129 |
| Total domestic deposits to total assets | 83.9359% | 4,338 |
| Equity capital to assets | 11.2335% | 2,859 |
| Core capital (leverage) ratio | 10.1262% | 3,233 |
| Tier 1 risk-based capital ratio | 13.3094% | 4,959 |
| Total risk-based capital ratio | 14.5687% | 4,918 |
| Memoranda: | ||
| Average total assets | $577,195,000 | 1,167 |
| Average earning assets | $526,347,000 | 1,165 |
| Average equity | $61,728,000 | 1,157 |
| Average total loans | $403,113,000 | 1,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 1,815 |
| Cost of funding earning assets | 1.2686% | 725 |
| Net interest margin | 3.7532% | 3,584 |
| Noninterest income to average assets | 0.3074% | 5,425 |
| Noninterest expense to average assets | 2.7622% | 4,197 |
| Loan and lease loss provision to assets | -1.4626% | 7,295 |
| Net operating income to assets | 1.5168% | 989 |
| Return on assets (ROA) | 1.4914% | 1,159 |
| Pretax return on assets | 2.3918% | 396 |
| Return on Equity (ROE) | 14.2925% | 1,125 |
| Retained earnings to average equity (ytd only) | 14.2925% | 533 |
| Net charge-offs to loans | -1.6314% | 7,243 |
| Credit loss provision to net charge-offs | 127.9042% | 1,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0319% | 3,098 |
| Assets per employee ($millions) | 4.9543% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 1,532 |
| Loan loss allowance to noncurrent loans | 49.8723% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.7223% | 1,511 |
| Noncurrent loans to loans | 4.7806% | 1,192 |
| Net loans and leases to total assets | 67.5830% | 2,190 |
| Net loans and leases to deposits | 79.6503% | 2,252 |
| Net loans and leases to core deposits | 87.1233% | 2,162 |
| Total domestic deposits to total assets | 84.8496% | 4,105 |
| Equity capital to assets | 10.6998% | 3,269 |
| Core capital (leverage) ratio | 9.5221% | 4,022 |
| Tier 1 risk-based capital ratio | 12.7619% | 5,397 |
| Total risk-based capital ratio | 14.0238% | 5,363 |
| Memoranda: | ||
| Average total assets | $584,162,000 | 1,149 |
| Average earning assets | $532,877,000 | 1,151 |
| Average equity | $60,955,000 | 1,167 |
| Average total loans | $409,468,000 | 1,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 1,484 |
| Cost of funding earning assets | 1.4320% | 914 |
| Net interest margin | 3.9425% | 3,146 |
| Noninterest income to average assets | 0.1924% | 6,123 |
| Noninterest expense to average assets | 2.8146% | 4,291 |
| Loan and lease loss provision to assets | 1.0070% | 939 |
| Net operating income to assets | 0.0278% | 5,990 |
| Return on assets (ROA) | 0.0172% | 6,128 |
| Pretax return on assets | -0.0227% | 6,153 |
| Return on Equity (ROE) | 0.1780% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.1780% | 5,758 |
| Net charge-offs to loans | 1.3790% | 1,187 |
| Credit loss provision to net charge-offs | 100.3065% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.9971% | 5,046 |
| Efficiency ratio | 73.7660% | 3,273 |
| Assets per employee ($millions) | 5.2095% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4026% | 1,455 |
| Loan loss allowance to noncurrent loans | 56.5870% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 3.5271% | 1,678 |
| Noncurrent loans to loans | 4.2459% | 1,444 |
| Net loans and leases to total assets | 69.2385% | 2,171 |
| Net loans and leases to deposits | 81.1236% | 2,334 |
| Net loans and leases to core deposits | 89.5082% | 2,198 |
| Total domestic deposits to total assets | 85.3495% | 3,670 |
| Equity capital to assets | 10.1735% | 3,938 |
| Core capital (leverage) ratio | 8.8665% | 4,998 |
| Tier 1 risk-based capital ratio | 11.8819% | 5,914 |
| Total risk-based capital ratio | 13.1441% | 5,883 |
| Memoranda: | ||
| Average total assets | $617,497,600 | 1,053 |
| Average earning assets | $567,477,000 | 1,044 |
| Average equity | $59,543,400 | 1,134 |
| Average total loans | $449,529,000 | 930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 1,476 |
| Cost of funding earning assets | 1.4587% | 994 |
| Net interest margin | 3.9545% | 3,135 |
| Noninterest income to average assets | 0.2036% | 6,151 |
| Noninterest expense to average assets | 2.8309% | 4,231 |
| Loan and lease loss provision to assets | 1.2592% | 602 |
| Net operating income to assets | -0.1137% | 6,299 |
| Return on assets (ROA) | -0.1199% | 6,386 |
| Pretax return on assets | -0.2512% | 6,455 |
| Return on Equity (ROE) | -1.2603% | 6,408 |
| Retained earnings to average equity (ytd only) | -1.2603% | 6,194 |
| Net charge-offs to loans | 1.5927% | 888 |
| Credit loss provision to net charge-offs | 107.9597% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.8726% | 4,962 |
| Efficiency ratio | 73.5540% | 3,269 |
| Assets per employee ($millions) | 5.3531% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3782% | 1,572 |
| Loan loss allowance to noncurrent loans | 62.0657% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 3.2597% | 1,945 |
| Noncurrent loans to loans | 3.8317% | 1,754 |
| Net loans and leases to total assets | 69.6804% | 2,144 |
| Net loans and leases to deposits | 81.1961% | 2,498 |
| Net loans and leases to core deposits | 90.0025% | 2,249 |
| Total domestic deposits to total assets | 85.8173% | 3,318 |
| Equity capital to assets | 9.6202% | 4,904 |
| Core capital (leverage) ratio | 8.5016% | 5,711 |
| Tier 1 risk-based capital ratio | 11.1742% | 6,447 |
| Total risk-based capital ratio | 12.4361% | 6,424 |
| Memoranda: | ||
| Average total assets | $624,703,250 | 1,051 |
| Average earning assets | $575,830,750 | 1,032 |
| Average equity | $59,457,000 | 1,138 |
| Average total loans | $457,505,250 | 927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 1,476 |
| Cost of funding earning assets | 1.4768% | 1,082 |
| Net interest margin | 3.9530% | 3,073 |
| Noninterest income to average assets | 0.1870% | 6,324 |
| Noninterest expense to average assets | 3.0054% | 3,622 |
| Loan and lease loss provision to assets | 1.1808% | 668 |
| Net operating income to assets | -0.1881% | 6,460 |
| Return on assets (ROA) | -0.1934% | 6,503 |
| Pretax return on assets | -0.3530% | 6,566 |
| Return on Equity (ROE) | -2.0391% | 6,520 |
| Retained earnings to average equity (ytd only) | -2.0391% | 6,258 |
| Net charge-offs to loans | 1.4195% | 1,066 |
| Credit loss provision to net charge-offs | 112.6444% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.7976% | 4,699 |
| Efficiency ratio | 78.2367% | 2,674 |
| Assets per employee ($millions) | 5.1057% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 1,788 |
| Loan loss allowance to noncurrent loans | 74.0733% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.7804% | 2,407 |
| Noncurrent loans to loans | 3.0712% | 2,353 |
| Net loans and leases to total assets | 71.3514% | 1,915 |
| Net loans and leases to deposits | 82.9778% | 2,284 |
| Net loans and leases to core deposits | 91.6152% | 2,184 |
| Total domestic deposits to total assets | 85.9885% | 3,332 |
| Equity capital to assets | 9.4344% | 4,917 |
| Core capital (leverage) ratio | 8.4264% | 5,670 |
| Tier 1 risk-based capital ratio | 10.6851% | 6,720 |
| Total risk-based capital ratio | 11.9457% | 6,697 |
| Memoranda: | ||
| Average total assets | $627,734,000 | 1,051 |
| Average earning assets | $580,321,000 | 1,030 |
| Average equity | $59,535,000 | 1,124 |
| Average total loans | $463,537,000 | 932 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 1,354 |
| Cost of funding earning assets | 1.4943% | 1,187 |
| Net interest margin | 3.9862% | 2,746 |
| Noninterest income to average assets | 0.2600% | 5,810 |
| Noninterest expense to average assets | 3.0746% | 3,362 |
| Loan and lease loss provision to assets | 0.7419% | 1,143 |
| Net operating income to assets | 0.1345% | 5,990 |
| Return on assets (ROA) | 0.1192% | 6,098 |
| Pretax return on assets | 0.1109% | 6,145 |
| Return on Equity (ROE) | 1.2534% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.2534% | 5,320 |
| Net charge-offs to loans | 0.9115% | 1,460 |
| Credit loss provision to net charge-offs | 109.6045% | 2,436 |
| Earnings coverage of net charge-offs (x) | 1.2825% | 3,706 |
| Efficiency ratio | 77.9825% | 2,848 |
| Assets per employee ($millions) | 5.0420% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1919% | 1,980 |
| Loan loss allowance to noncurrent loans | 94.0335% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5036% | 2,730 |
| Noncurrent loans to loans | 2.3310% | 3,160 |
| Net loans and leases to total assets | 71.6354% | 1,790 |
| Net loans and leases to deposits | 83.1975% | 2,160 |
| Net loans and leases to core deposits | 91.7774% | 2,155 |
| Total domestic deposits to total assets | 86.1029% | 3,460 |
| Equity capital to assets | 9.4811% | 4,464 |
| Core capital (leverage) ratio | 8.6709% | 5,138 |
| Tier 1 risk-based capital ratio | 10.7592% | 6,660 |
| Total risk-based capital ratio | 12.0187% | 6,641 |
| Memoranda: | ||
| Average total assets | $627,597,500 | 1,060 |
| Average earning assets | $579,804,000 | 1,046 |
| Average equity | $59,678,000 | 1,112 |
| Average total loans | $466,044,000 | 938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 1,841 |
| Cost of funding earning assets | 1.5769% | 2,205 |
| Net interest margin | 4.0376% | 2,853 |
| Noninterest income to average assets | 0.3480% | 5,312 |
| Noninterest expense to average assets | 2.8726% | 4,342 |
| Loan and lease loss provision to assets | 2.4423% | 464 |
| Net operating income to assets | -0.7274% | 6,536 |
| Return on assets (ROA) | -0.7311% | 6,569 |
| Pretax return on assets | -1.2219% | 6,751 |
| Return on Equity (ROE) | -7.4169% | 6,579 |
| Retained earnings to average equity (ytd only) | -7.7862% | 6,517 |
| Net charge-offs to loans | 3.3193% | 460 |
| Credit loss provision to net charge-offs | 97.8470% | 4,738 |
| Earnings coverage of net charge-offs (x) | 0.4912% | 5,622 |
| Efficiency ratio | 70.0854% | 4,166 |
| Assets per employee ($millions) | 4.6292% | 2,651 |
| Cash dividends to net income (ytd only)* | -4.9786% | 7,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 2,005 |
| Loan loss allowance to noncurrent loans | 85.4376% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.4607% | 2,814 |
| Noncurrent loans to loans | 2.4915% | 3,029 |
| Net loans and leases to total assets | 73.6821% | 1,727 |
| Net loans and leases to deposits | 86.0519% | 2,087 |
| Net loans and leases to core deposits | 95.0760% | 2,119 |
| Total domestic deposits to total assets | 85.6252% | 3,538 |
| Equity capital to assets | 9.5371% | 4,353 |
| Core capital (leverage) ratio | 8.8448% | 4,782 |
| Tier 1 risk-based capital ratio | 11.0981% | 6,252 |
| Total risk-based capital ratio | 12.3570% | 6,216 |
| Memoranda: | ||
| Average total assets | $640,143,000 | 1,046 |
| Average earning assets | $594,660,200 | 1,017 |
| Average equity | $63,099,000 | 1,062 |
| Average total loans | $481,373,200 | 934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 2,083 |
| Cost of funding earning assets | 1.5788% | 2,518 |
| Net interest margin | 4.0158% | 3,027 |
| Noninterest income to average assets | 0.4187% | 4,809 |
| Noninterest expense to average assets | 2.8229% | 4,386 |
| Loan and lease loss provision to assets | 2.9745% | 294 |
| Net operating income to assets | -1.0071% | 6,906 |
| Return on assets (ROA) | -1.0090% | 6,954 |
| Pretax return on assets | -1.6467% | 7,087 |
| Return on Equity (ROE) | -10.1560% | 6,938 |
| Retained earnings to average equity (ytd only) | -10.6416% | 6,913 |
| Net charge-offs to loans | 4.5844% | 213 |
| Credit loss provision to net charge-offs | 86.3082% | 4,913 |
| Earnings coverage of net charge-offs (x) | 0.3861% | 5,641 |
| Efficiency ratio | 67.9627% | 4,469 |
| Assets per employee ($millions) | 4.6806% | 2,628 |
| Cash dividends to net income (ytd only)* | -4.7815% | 7,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 3,073 |
| Loan loss allowance to noncurrent loans | 83.4987% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 3,329 |
| Noncurrent loans to loans | 2.0685% | 3,601 |
| Net loans and leases to total assets | 71.7037% | 2,319 |
| Net loans and leases to deposits | 83.6953% | 2,759 |
| Net loans and leases to core deposits | 93.1181% | 2,641 |
| Total domestic deposits to total assets | 85.6724% | 3,257 |
| Equity capital to assets | 9.3175% | 5,109 |
| Core capital (leverage) ratio | 8.7240% | 5,145 |
| Tier 1 risk-based capital ratio | 11.3142% | 6,090 |
| Total risk-based capital ratio | 12.5685% | 6,078 |
| Memoranda: | ||
| Average total assets | $643,943,750 | 1,049 |
| Average earning assets | $598,915,250 | 1,018 |
| Average equity | $63,973,500 | 1,044 |
| Average total loans | $484,095,500 | 933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 2,231 |
| Cost of funding earning assets | 1.5740% | 2,806 |
| Net interest margin | 4.0006% | 3,012 |
| Noninterest income to average assets | 0.4382% | 4,626 |
| Noninterest expense to average assets | 2.7960% | 4,498 |
| Loan and lease loss provision to assets | 0.5921% | 2,414 |
| Net operating income to assets | 0.5190% | 4,247 |
| Return on assets (ROA) | 0.5161% | 4,414 |
| Pretax return on assets | 0.7760% | 3,966 |
| Return on Equity (ROE) | 5.0901% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,122 |
| Net charge-offs to loans | 0.7215% | 2,417 |
| Credit loss provision to net charge-offs | 108.0974% | 3,766 |
| Earnings coverage of net charge-offs (x) | 2.5057% | 3,748 |
| Efficiency ratio | 67.0759% | 4,747 |
| Assets per employee ($millions) | 5.0205% | 2,160 |
| Cash dividends to net income (ytd only)* | 8.9543% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 1,884 |
| Loan loss allowance to noncurrent loans | 75.6356% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 2.5803% | 2,814 |
| Noncurrent loans to loans | 2.8286% | 2,829 |
| Net loans and leases to total assets | 72.4874% | 2,280 |
| Net loans and leases to deposits | 84.8067% | 2,739 |
| Net loans and leases to core deposits | 94.7405% | 2,613 |
| Total domestic deposits to total assets | 85.4737% | 3,382 |
| Equity capital to assets | 10.0184% | 4,005 |
| Core capital (leverage) ratio | 9.8312% | 3,364 |
| Tier 1 risk-based capital ratio | 12.1743% | 5,151 |
| Total risk-based capital ratio | 13.4336% | 5,116 |
| Memoranda: | ||
| Average total assets | $644,844,000 | 1,051 |
| Average earning assets | $601,255,330 | 1,022 |
| Average equity | $65,382,000 | 1,019 |
| Average total loans | $489,502,000 | 930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5804% | 2,243 |
| Cost of funding earning assets | 1.5997% | 2,961 |
| Net interest margin | 3.9807% | 2,954 |
| Noninterest income to average assets | 0.4567% | 4,408 |
| Noninterest expense to average assets | 2.8916% | 4,093 |
| Loan and lease loss provision to assets | 0.7989% | 1,587 |
| Net operating income to assets | 0.3235% | 5,197 |
| Return on assets (ROA) | 0.3214% | 5,336 |
| Pretax return on assets | 0.4774% | 5,037 |
| Return on Equity (ROE) | 3.1506% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.7005% | 4,517 |
| Net charge-offs to loans | 0.0466% | 4,944 |
| Credit loss provision to net charge-offs | 2,228.0702% | 232 |
| Earnings coverage of net charge-offs (x) | 35.6842% | 768 |
| Efficiency ratio | 69.3259% | 4,439 |
| Assets per employee ($millions) | 4.7946% | 2,517 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2625% | 1,636 |
| Loan loss allowance to noncurrent loans | 59.2530% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 3.3676% | 2,108 |
| Noncurrent loans to loans | 3.8183% | 2,074 |
| Net loans and leases to total assets | 75.5220% | 1,640 |
| Net loans and leases to deposits | 89.4150% | 2,001 |
| Net loans and leases to core deposits | 99.7978% | 2,154 |
| Total domestic deposits to total assets | 84.4623% | 3,910 |
| Equity capital to assets | 10.1371% | 3,690 |
| Core capital (leverage) ratio | 10.0708% | 3,077 |
| Tier 1 risk-based capital ratio | 12.0086% | 5,186 |
| Total risk-based capital ratio | 13.2696% | 5,138 |
| Memoranda: | ||
| Average total assets | $635,912,000 | 1,085 |
| Average earning assets | $593,359,000 | 1,056 |
| Average equity | $64,876,500 | 1,030 |
| Average total loans | $488,812,000 | 958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 3,190 |
| Cost of funding earning assets | 2.2082% | 1,992 |
| Net interest margin | 3.4758% | 5,061 |
| Noninterest income to average assets | -0.9660% | 7,985 |
| Noninterest expense to average assets | 2.6577% | 5,569 |
| Loan and lease loss provision to assets | 0.8753% | 2,558 |
| Net operating income to assets | -1.3082% | 6,766 |
| Return on assets (ROA) | -1.3075% | 6,768 |
| Pretax return on assets | -1.2864% | 6,589 |
| Return on Equity (ROE) | -11.4338% | 6,727 |
| Retained earnings to average equity (ytd only) | -11.9556% | 6,677 |
| Net charge-offs to loans | 0.8446% | 2,717 |
| Credit loss provision to net charge-offs | 137.7297% | 3,570 |
| Earnings coverage of net charge-offs (x) | -0.6479% | 6,777 |
| Efficiency ratio | 118.3320% | 637 |
| Assets per employee ($millions) | 4.7319% | 2,566 |
| Cash dividends to net income (ytd only)* | -4.5632% | 7,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 1,726 |
| Loan loss allowance to noncurrent loans | 64.8816% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.9389% | 2,382 |
| Noncurrent loans to loans | 3.3181% | 2,302 |
| Net loans and leases to total assets | 74.8111% | 2,075 |
| Net loans and leases to deposits | 87.0908% | 2,721 |
| Net loans and leases to core deposits | 126.4777% | 1,475 |
| Total domestic deposits to total assets | 85.9002% | 3,062 |
| Equity capital to assets | 10.2685% | 3,439 |
| Core capital (leverage) ratio | 9.7459% | 3,391 |
| Tier 1 risk-based capital ratio | 12.3080% | 4,677 |
| Total risk-based capital ratio | 13.5677% | 4,626 |
| Memoranda: | ||
| Average total assets | $625,153,600 | 1,109 |
| Average earning assets | $577,712,000 | 1,095 |
| Average equity | $71,489,600 | 915 |
| Average total loans | $470,409,200 | 1,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6372% | 3,657 |
| Cost of funding earning assets | 2.3180% | 1,911 |
| Net interest margin | 3.3192% | 5,569 |
| Noninterest income to average assets | 0.4896% | 4,582 |
| Noninterest expense to average assets | 2.6061% | 5,696 |
| Loan and lease loss provision to assets | 0.9564% | 2,006 |
| Net operating income to assets | -0.0027% | 5,714 |
| Return on assets (ROA) | -0.0026% | 5,773 |
| Pretax return on assets | -0.0117% | 5,724 |
| Return on Equity (ROE) | -0.0219% | 5,775 |
| Retained earnings to average equity (ytd only) | -0.5664% | 5,370 |
| Net charge-offs to loans | 0.8609% | 2,243 |
| Credit loss provision to net charge-offs | 148.2450% | 3,258 |
| Earnings coverage of net charge-offs (x) | 1.4639% | 4,691 |
| Efficiency ratio | 73.3995% | 3,977 |
| Assets per employee ($millions) | 4.8544% | 2,324 |
| Cash dividends to net income (ytd only)* | -2,491.6250% | 8,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1831% | 1,450 |
| Loan loss allowance to noncurrent loans | 64.4732% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.8854% | 2,410 |
| Noncurrent loans to loans | 3.3861% | 2,227 |
| Net loans and leases to total assets | 72.6911% | 2,861 |
| Net loans and leases to deposits | 86.5351% | 3,220 |
| Net loans and leases to core deposits | 126.1189% | 1,720 |
| Total domestic deposits to total assets | 84.0019% | 3,721 |
| Equity capital to assets | 11.5165% | 2,568 |
| Core capital (leverage) ratio | 9.9045% | 3,391 |
| Tier 1 risk-based capital ratio | 12.4824% | 4,553 |
| Total risk-based capital ratio | 13.7426% | 4,502 |
| Memoranda: | ||
| Average total assets | $624,106,750 | 1,126 |
| Average earning assets | $575,540,250 | 1,110 |
| Average equity | $73,206,000 | 901 |
| Average total loans | $467,717,500 | 1,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 3,872 |
| Cost of funding earning assets | 2.4249% | 1,859 |
| Net interest margin | 3.2133% | 5,867 |
| Noninterest income to average assets | 0.4828% | 4,600 |
| Noninterest expense to average assets | 2.6290% | 5,621 |
| Loan and lease loss provision to assets | 0.6772% | 2,399 |
| Net operating income to assets | 0.0904% | 5,590 |
| Return on assets (ROA) | 0.0919% | 5,687 |
| Pretax return on assets | 0.1361% | 5,594 |
| Return on Equity (ROE) | 0.7787% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.1913% | 5,135 |
| Net charge-offs to loans | 1.0474% | 1,709 |
| Credit loss provision to net charge-offs | 86.0303% | 5,033 |
| Earnings coverage of net charge-offs (x) | 1.0303% | 4,758 |
| Efficiency ratio | 76.4226% | 3,614 |
| Assets per employee ($millions) | 4.8340% | 2,278 |
| Cash dividends to net income (ytd only)* | 75.4386% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 1,991 |
| Loan loss allowance to noncurrent loans | 63.8032% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.4742% | 2,608 |
| Noncurrent loans to loans | 2.8538% | 2,526 |
| Net loans and leases to total assets | 73.0972% | 2,940 |
| Net loans and leases to deposits | 86.9160% | 3,370 |
| Net loans and leases to core deposits | 125.9544% | 1,881 |
| Total domestic deposits to total assets | 84.1009% | 3,709 |
| Equity capital to assets | 11.6466% | 2,428 |
| Core capital (leverage) ratio | 10.0208% | 3,276 |
| Tier 1 risk-based capital ratio | 12.6284% | 4,416 |
| Total risk-based capital ratio | 13.8646% | 4,347 |
| Memoranda: | ||
| Average total assets | $620,167,330 | 1,152 |
| Average earning assets | $570,750,000 | 1,137 |
| Average equity | $73,196,000 | 908 |
| Average total loans | $466,097,330 | 1,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6854% | 3,877 |
| Cost of funding earning assets | 2.5003% | 1,916 |
| Net interest margin | 3.1850% | 5,902 |
| Noninterest income to average assets | 0.5071% | 4,257 |
| Noninterest expense to average assets | 2.5057% | 5,826 |
| Loan and lease loss provision to assets | 0.4448% | 2,696 |
| Net operating income to assets | 0.3150% | 5,242 |
| Return on assets (ROA) | 0.3221% | 5,375 |
| Pretax return on assets | 0.5155% | 5,036 |
| Return on Equity (ROE) | 2.7104% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.1202% | 4,688 |
| Net charge-offs to loans | 1.5073% | 960 |
| Credit loss provision to net charge-offs | 39.0759% | 4,831 |
| Earnings coverage of net charge-offs (x) | 0.8340% | 4,361 |
| Efficiency ratio | 72.5240% | 4,099 |
| Assets per employee ($millions) | 4.8674% | 2,221 |
| Cash dividends to net income (ytd only)* | 21.7742% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 2,271 |
| Loan loss allowance to noncurrent loans | 102.0697% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 3,541 |
| Noncurrent loans to loans | 1.6250% | 3,840 |
| Net loans and leases to total assets | 73.5789% | 2,873 |
| Net loans and leases to deposits | 88.1740% | 3,260 |
| Net loans and leases to core deposits | 129.6720% | 1,682 |
| Total domestic deposits to total assets | 83.4474% | 3,933 |
| Equity capital to assets | 11.6882% | 2,456 |
| Core capital (leverage) ratio | 10.3082% | 3,100 |
| Tier 1 risk-based capital ratio | 12.6602% | 4,427 |
| Total risk-based capital ratio | 13.9144% | 4,343 |
| Memoranda: | ||
| Average total assets | $616,044,000 | 1,157 |
| Average earning assets | $570,165,500 | 1,147 |
| Average equity | $73,199,500 | 914 |
| Average total loans | $465,210,000 | 1,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3631% | 3,621 |
| Cost of funding earning assets | 3.0363% | 1,726 |
| Net interest margin | 3.3268% | 5,939 |
| Noninterest income to average assets | 0.4259% | 5,250 |
| Noninterest expense to average assets | 2.7280% | 5,139 |
| Loan and lease loss provision to assets | 0.7165% | 2,063 |
| Net operating income to assets | 0.0413% | 6,255 |
| Return on assets (ROA) | 0.0527% | 6,079 |
| Pretax return on assets | 0.0565% | 6,034 |
| Return on Equity (ROE) | 0.4533% | 6,094 |
| Retained earnings to average equity (ytd only) | -0.5195% | 5,444 |
| Net charge-offs to loans | 0.8251% | 1,518 |
| Credit loss provision to net charge-offs | 114.6413% | 4,711 |
| Earnings coverage of net charge-offs (x) | 1.2173% | 5,521 |
| Efficiency ratio | 78.1933% | 2,891 |
| Assets per employee ($millions) | 4.5772% | 2,505 |
| Cash dividends to net income (ytd only)* | 214.6032% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 1,373 |
| Loan loss allowance to noncurrent loans | 103.8079% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 2,624 |
| Noncurrent loans to loans | 1.8529% | 2,981 |
| Net loans and leases to total assets | 74.7724% | 2,926 |
| Net loans and leases to deposits | 89.3563% | 3,559 |
| Net loans and leases to core deposits | 127.5426% | 2,037 |
| Total domestic deposits to total assets | 83.6789% | 3,489 |
| Equity capital to assets | 12.0838% | 2,239 |
| Core capital (leverage) ratio | 10.3800% | 3,093 |
| Tier 1 risk-based capital ratio | 12.8782% | 4,175 |
| Total risk-based capital ratio | 14.1354% | 4,099 |
| Memoranda: | ||
| Average total assets | $597,807,400 | 1,129 |
| Average earning assets | $550,374,000 | 1,117 |
| Average equity | $69,488,600 | 962 |
| Average total loans | $452,786,600 | 1,061 |