Home > SKYLINE NATIONAL BANK > Performance and Condition Ratios
SKYLINE NATIONAL BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 2,578 |
| Cost of funding earning assets | 0.8503% | 3,612 |
| Net interest margin | 3.8970% | 1,384 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.9701% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9780% | 2,284 |
| Return on assets (ROA) | 0.9798% | 2,267 |
| Pretax return on assets | 1.2202% | 2,091 |
| Return on Equity (ROE) | 13.0300% | 1,721 |
| Retained earnings to average equity (ytd only) | 9.3154% | 1,182 |
| Net charge-offs to loans | 0.0010% | 2,837 |
| Credit loss provision to net charge-offs | -1,162.5000% | 4,567 |
| Earnings coverage of net charge-offs (x) | 1,542.1250% | 103 |
| Efficiency ratio | 70.1352% | 1,860 |
| Assets per employee ($millions) | 4.5459% | 3,924 |
| Cash dividends to net income (ytd only)* | 28.5299% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 3,907 |
| Loan loss allowance to noncurrent loans | 389.3125% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,434 |
| Noncurrent loans to loans | 0.2117% | 2,463 |
| Net loans and leases to total assets | 77.5600% | 907 |
| Net loans and leases to deposits | 87.3138% | 1,501 |
| Net loans and leases to core deposits | 95.3814% | 1,691 |
| Total domestic deposits to total assets | 88.8300% | 1,109 |
| Equity capital to assets | 7.8940% | 3,484 |
| Core capital (leverage) ratio | 9.2569% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4891% | 2,417 |
| Memoranda: | ||
| Average total assets | $1,017,085,200 | 970 |
| Average earning assets | $913,462,400 | 983 |
| Average equity | $76,454,200 | 1,168 |
| Average total loans | $782,818,000 | 878 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 2,561 |
| Cost of funding earning assets | 0.7384% | 3,682 |
| Net interest margin | 3.9182% | 1,364 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.9546% | 1,130 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.0219% | 2,296 |
| Return on assets (ROA) | 1.0222% | 2,282 |
| Pretax return on assets | 1.2632% | 2,133 |
| Return on Equity (ROE) | 13.7800% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.9855% | 1,693 |
| Net charge-offs to loans | -0.0007% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4106% | 1,855 |
| Assets per employee ($millions) | 4.4401% | 3,976 |
| Cash dividends to net income (ytd only)* | 34.7798% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 3,900 |
| Loan loss allowance to noncurrent loans | 365.2482% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,385 |
| Noncurrent loans to loans | 0.2298% | 2,430 |
| Net loans and leases to total assets | 77.8000% | 908 |
| Net loans and leases to deposits | 87.1070% | 1,465 |
| Net loans and leases to core deposits | 94.9296% | 1,621 |
| Total domestic deposits to total assets | 89.3200% | 1,151 |
| Equity capital to assets | 7.3135% | 3,460 |
| Core capital (leverage) ratio | 9.2730% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5213% | 2,446 |
| Memoranda: | ||
| Average total assets | $1,009,966,500 | 976 |
| Average earning assets | $905,895,500 | 992 |
| Average equity | $74,933,500 | 1,178 |
| Average total loans | $774,096,500 | 883 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 2,467 |
| Cost of funding earning assets | 0.6126% | 3,715 |
| Net interest margin | 3.9634% | 1,307 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.8848% | 1,246 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.1159% | 2,075 |
| Return on assets (ROA) | 1.1162% | 2,069 |
| Pretax return on assets | 1.3796% | 1,864 |
| Return on Equity (ROE) | 14.9700% | 1,482 |
| Retained earnings to average equity (ytd only) | 10.9260% | 1,197 |
| Net charge-offs to loans | -0.0084% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6250% | 2,027 |
| Assets per employee ($millions) | 4.3587% | 4,030 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 3,905 |
| Loan loss allowance to noncurrent loans | 437.5165% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,493 |
| Noncurrent loans to loans | 0.1943% | 2,492 |
| Net loans and leases to total assets | 76.7200% | 972 |
| Net loans and leases to deposits | 85.5020% | 1,541 |
| Net loans and leases to core deposits | 92.7544% | 1,638 |
| Total domestic deposits to total assets | 89.7300% | 1,005 |
| Equity capital to assets | 7.6330% | 3,450 |
| Core capital (leverage) ratio | 9.2260% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6216% | 2,425 |
| Memoranda: | ||
| Average total assets | $1,007,692,000 | 970 |
| Average earning assets | $903,006,333 | 992 |
| Average equity | $75,123,667 | 1,169 |
| Average total loans | $766,208,333 | 877 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,413 |
| Cost of funding earning assets | 0.4706% | 3,776 |
| Net interest margin | 3.9864% | 1,288 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.8838% | 1,267 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.0979% | 2,237 |
| Return on assets (ROA) | 1.1015% | 2,187 |
| Pretax return on assets | 1.3495% | 2,019 |
| Return on Equity (ROE) | 14.9500% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.9775% | 2,225 |
| Net charge-offs to loans | -0.0063% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.8829% | 1,985 |
| Assets per employee ($millions) | 4.5684% | 3,976 |
| Cash dividends to net income (ytd only)* | 46.6499% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 3,878 |
| Loan loss allowance to noncurrent loans | 407.5912% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,358 |
| Noncurrent loans to loans | 0.2188% | 2,382 |
| Net loans and leases to total assets | 74.3800% | 1,148 |
| Net loans and leases to deposits | 83.6855% | 1,519 |
| Net loans and leases to core deposits | 89.9651% | 1,617 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 7.4559% | 3,587 |
| Core capital (leverage) ratio | 8.9893% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5992% | 2,537 |
| Memoranda: | ||
| Average total assets | $1,008,105,000 | 980 |
| Average earning assets | $903,581,500 | 1,005 |
| Average equity | $74,258,500 | 1,190 |
| Average total loans | $759,743,500 | 897 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 1,714 |
| Cost of funding earning assets | 0.1917% | 3,826 |
| Net interest margin | 3.8095% | 1,142 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.6840% | 1,592 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0513% | 2,370 |
| Return on assets (ROA) | 1.0494% | 2,321 |
| Pretax return on assets | 1.3071% | 2,064 |
| Return on Equity (ROE) | 13.4400% | 1,672 |
| Retained earnings to average equity (ytd only) | 6.6779% | 2,376 |
| Net charge-offs to loans | 0.0049% | 2,258 |
| Credit loss provision to net charge-offs | 1,731.4286% | 286 |
| Earnings coverage of net charge-offs (x) | 396.0571% | 387 |
| Efficiency ratio | 65.0517% | 2,356 |
| Assets per employee ($millions) | 4.4729% | 4,055 |
| Cash dividends to net income (ytd only)* | 50.3248% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 3,969 |
| Loan loss allowance to noncurrent loans | 382.3745% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 2,246 |
| Noncurrent loans to loans | 0.2165% | 2,407 |
| Net loans and leases to total assets | 75.0500% | 1,127 |
| Net loans and leases to deposits | 81.3376% | 1,669 |
| Net loans and leases to core deposits | 85.9564% | 1,754 |
| Total domestic deposits to total assets | 92.2700% | 569 |
| Equity capital to assets | 7.2744% | 3,504 |
| Core capital (leverage) ratio | 8.7928% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4197% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,012,298,000 | 972 |
| Average earning assets | $913,914,800 | 982 |
| Average equity | $79,021,800 | 1,145 |
| Average total loans | $719,120,000 | 884 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 1,381 |
| Cost of funding earning assets | 0.1892% | 3,058 |
| Net interest margin | 3.5775% | 1,109 |
| Noninterest income to average assets | 0.6285% | 1,625 |
| Noninterest expense to average assets | 2.6326% | 1,549 |
| Loan and lease loss provision to assets | 0.0699% | 1,364 |
| Net operating income to assets | 0.9411% | 2,396 |
| Return on assets (ROA) | 0.9387% | 2,382 |
| Pretax return on assets | 1.1613% | 2,203 |
| Return on Equity (ROE) | 11.4578% | 1,844 |
| Retained earnings to average equity (ytd only) | 9.3069% | 1,198 |
| Net charge-offs to loans | -0.0009% | 3,025 |
| Credit loss provision to net charge-offs | -11,800.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7160% | 2,411 |
| Assets per employee ($millions) | 4.5325% | 4,050 |
| Cash dividends to net income (ytd only)* | 18.7723% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,110 |
| Loan loss allowance to noncurrent loans | 371.3231% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 2,611 |
| Noncurrent loans to loans | 0.2255% | 2,592 |
| Net loans and leases to total assets | 68.8458% | 1,410 |
| Net loans and leases to deposits | 74.9266% | 1,764 |
| Net loans and leases to core deposits | 77.7318% | 1,873 |
| Total domestic deposits to total assets | 91.8844% | 885 |
| Equity capital to assets | 7.5961% | 3,409 |
| Core capital (leverage) ratio | 8.6064% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7427% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,013,536,667 | 962 |
| Average earning assets | $917,404,333 | 989 |
| Average equity | $83,035,333 | 1,120 |
| Average total loans | $700,578,667 | 883 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 1,211 |
| Cost of funding earning assets | 0.2013% | 2,781 |
| Net interest margin | 3.5322% | 1,024 |
| Noninterest income to average assets | 0.6555% | 1,468 |
| Noninterest expense to average assets | 2.6045% | 1,590 |
| Loan and lease loss provision to assets | 0.0547% | 1,400 |
| Net operating income to assets | 0.9783% | 1,975 |
| Return on assets (ROA) | 0.9767% | 1,974 |
| Pretax return on assets | 1.1972% | 1,825 |
| Return on Equity (ROE) | 11.4882% | 1,463 |
| Retained earnings to average equity (ytd only) | 7.2923% | 1,798 |
| Net charge-offs to loans | 0.0098% | 1,397 |
| Credit loss provision to net charge-offs | 805.8824% | 391 |
| Earnings coverage of net charge-offs (x) | 184.6471% | 458 |
| Efficiency ratio | 66.1145% | 2,760 |
| Assets per employee ($millions) | 4.5365% | 4,116 |
| Cash dividends to net income (ytd only)* | 36.5235% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,194 |
| Loan loss allowance to noncurrent loans | 358.9474% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,683 |
| Noncurrent loans to loans | 0.2315% | 2,667 |
| Net loans and leases to total assets | 68.6913% | 1,137 |
| Net loans and leases to deposits | 75.0978% | 1,515 |
| Net loans and leases to core deposits | 78.4874% | 1,577 |
| Total domestic deposits to total assets | 91.4692% | 817 |
| Equity capital to assets | 8.1634% | 3,437 |
| Core capital (leverage) ratio | 8.6686% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7569% | 2,698 |
| Memoranda: | ||
| Average total assets | $1,001,331,000 | 981 |
| Average earning assets | $908,000,000 | 1,004 |
| Average equity | $85,131,000 | 1,137 |
| Average total loans | $690,559,000 | 892 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 1,218 |
| Cost of funding earning assets | 0.2838% | 2,561 |
| Net interest margin | 3.7821% | 1,047 |
| Noninterest income to average assets | 0.6702% | 1,870 |
| Noninterest expense to average assets | 2.7775% | 1,418 |
| Loan and lease loss provision to assets | 0.0772% | 1,580 |
| Net operating income to assets | 1.0085% | 2,634 |
| Return on assets (ROA) | 1.0337% | 2,615 |
| Pretax return on assets | 1.2982% | 2,367 |
| Return on Equity (ROE) | 11.2062% | 2,096 |
| Retained earnings to average equity (ytd only) | 1.9535% | 3,988 |
| Net charge-offs to loans | -0.0079% | 3,665 |
| Credit loss provision to net charge-offs | -1,338.8889% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8516% | 2,279 |
| Assets per employee ($millions) | 4.5460% | 4,083 |
| Cash dividends to net income (ytd only)* | 82.5674% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,211 |
| Loan loss allowance to noncurrent loans | 430.0758% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 3,012 |
| Noncurrent loans to loans | 0.1931% | 2,983 |
| Net loans and leases to total assets | 68.0875% | 1,254 |
| Net loans and leases to deposits | 75.4638% | 1,607 |
| Net loans and leases to core deposits | 79.0984% | 1,667 |
| Total domestic deposits to total assets | 90.2254% | 857 |
| Equity capital to assets | 8.8441% | 3,768 |
| Core capital (leverage) ratio | 8.5763% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2339% | 2,828 |
| Memoranda: | ||
| Average total assets | $936,770,800 | 1,008 |
| Average earning assets | $854,812,000 | 1,029 |
| Average equity | $86,407,800 | 1,135 |
| Average total loans | $685,761,400 | 895 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 1,532 |
| Cost of funding earning assets | 0.3041% | 2,553 |
| Net interest margin | 3.6960% | 1,341 |
| Noninterest income to average assets | 0.6591% | 1,977 |
| Noninterest expense to average assets | 2.7348% | 1,498 |
| Loan and lease loss provision to assets | 0.0833% | 1,425 |
| Net operating income to assets | 0.9658% | 3,031 |
| Return on assets (ROA) | 0.9989% | 2,977 |
| Pretax return on assets | 1.2545% | 2,758 |
| Return on Equity (ROE) | 10.7101% | 2,475 |
| Retained earnings to average equity (ytd only) | 6.8434% | 2,478 |
| Net charge-offs to loans | -0.0144% | 3,829 |
| Credit loss provision to net charge-offs | -778.3784% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1896% | 2,076 |
| Assets per employee ($millions) | 4.4956% | 4,123 |
| Cash dividends to net income (ytd only)* | 36.1031% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,331 |
| Loan loss allowance to noncurrent loans | 269.5483% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 2,725 |
| Noncurrent loans to loans | 0.3001% | 2,719 |
| Net loans and leases to total assets | 69.4426% | 1,137 |
| Net loans and leases to deposits | 77.4845% | 1,527 |
| Net loans and leases to core deposits | 81.5867% | 1,602 |
| Total domestic deposits to total assets | 89.6214% | 952 |
| Equity capital to assets | 8.9965% | 3,837 |
| Core capital (leverage) ratio | 8.7254% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5395% | 2,844 |
| Memoranda: | ||
| Average total assets | $922,072,500 | 1,035 |
| Average earning assets | $841,281,000 | 1,054 |
| Average equity | $85,997,500 | 1,159 |
| Average total loans | $686,318,750 | 908 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 1,521 |
| Cost of funding earning assets | 0.3257% | 2,537 |
| Net interest margin | 3.6962% | 1,358 |
| Noninterest income to average assets | 0.6682% | 1,938 |
| Noninterest expense to average assets | 2.8034% | 1,349 |
| Loan and lease loss provision to assets | 0.0791% | 1,529 |
| Net operating income to assets | 0.9252% | 3,144 |
| Return on assets (ROA) | 0.9278% | 3,214 |
| Pretax return on assets | 1.1633% | 3,016 |
| Return on Equity (ROE) | 9.8225% | 2,817 |
| Retained earnings to average equity (ytd only) | 6.6445% | 2,564 |
| Net charge-offs to loans | -0.0248% | 4,075 |
| Credit loss provision to net charge-offs | -420.0000% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5618% | 1,929 |
| Assets per employee ($millions) | 4.2261% | 4,310 |
| Cash dividends to net income (ytd only)* | 32.3543% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 4,428 |
| Loan loss allowance to noncurrent loans | 268.1727% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 2,891 |
| Noncurrent loans to loans | 0.2856% | 2,906 |
| Net loans and leases to total assets | 73.1032% | 846 |
| Net loans and leases to deposits | 81.7634% | 1,253 |
| Net loans and leases to core deposits | 86.2565% | 1,398 |
| Total domestic deposits to total assets | 89.4082% | 1,078 |
| Equity capital to assets | 9.1600% | 3,645 |
| Core capital (leverage) ratio | 8.8870% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7411% | 2,793 |
| Memoranda: | ||
| Average total assets | $902,749,333 | 1,048 |
| Average earning assets | $824,142,333 | 1,062 |
| Average equity | $85,273,667 | 1,160 |
| Average total loans | $686,386,000 | 919 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 1,588 |
| Cost of funding earning assets | 0.3536% | 2,496 |
| Net interest margin | 3.6569% | 1,432 |
| Noninterest income to average assets | 0.6344% | 2,077 |
| Noninterest expense to average assets | 2.8542% | 1,246 |
| Loan and lease loss provision to assets | 0.0736% | 1,708 |
| Net operating income to assets | 0.8333% | 3,319 |
| Return on assets (ROA) | 0.8388% | 3,382 |
| Pretax return on assets | 1.0477% | 3,238 |
| Return on Equity (ROE) | 8.7377% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.3144% | 3,412 |
| Net charge-offs to loans | 0.0065% | 1,666 |
| Credit loss provision to net charge-offs | 1,472.7273% | 325 |
| Earnings coverage of net charge-offs (x) | 223.0909% | 372 |
| Efficiency ratio | 70.0538% | 1,691 |
| Assets per employee ($millions) | 4.0469% | 4,445 |
| Cash dividends to net income (ytd only)* | 50.6226% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,534 |
| Loan loss allowance to noncurrent loans | 175.2602% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 2,553 |
| Noncurrent loans to loans | 0.4131% | 2,619 |
| Net loans and leases to total assets | 76.4069% | 598 |
| Net loans and leases to deposits | 85.7953% | 972 |
| Net loans and leases to core deposits | 90.2042% | 1,219 |
| Total domestic deposits to total assets | 89.0572% | 1,315 |
| Equity capital to assets | 9.3026% | 3,385 |
| Core capital (leverage) ratio | 9.2459% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7823% | 2,742 |
| Memoranda: | ||
| Average total assets | $880,796,000 | 1,059 |
| Average earning assets | $803,088,500 | 1,078 |
| Average equity | $84,553,500 | 1,153 |
| Average total loans | $680,890,000 | 923 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 1,253 |
| Cost of funding earning assets | 0.4903% | 3,008 |
| Net interest margin | 4.0338% | 913 |
| Noninterest income to average assets | 0.6421% | 2,057 |
| Noninterest expense to average assets | 3.2201% | 1,022 |
| Loan and lease loss provision to assets | 0.1529% | 2,459 |
| Net operating income to assets | 0.7297% | 3,336 |
| Return on assets (ROA) | 0.7616% | 3,359 |
| Pretax return on assets | 0.9494% | 3,220 |
| Return on Equity (ROE) | 7.1765% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,484 |
| Net charge-offs to loans | 0.0290% | 2,453 |
| Credit loss provision to net charge-offs | 653.2967% | 1,049 |
| Earnings coverage of net charge-offs (x) | 45.3846% | 1,284 |
| Efficiency ratio | 73.0560% | 1,566 |
| Assets per employee ($millions) | 3.8004% | 4,510 |
| Cash dividends to net income (ytd only)* | 36.0074% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,524 |
| Loan loss allowance to noncurrent loans | 102.0196% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 1,882 |
| Noncurrent loans to loans | 0.7232% | 1,890 |
| Net loans and leases to total assets | 77.0912% | 688 |
| Net loans and leases to deposits | 87.2476% | 1,158 |
| Net loans and leases to core deposits | 91.7367% | 1,404 |
| Total domestic deposits to total assets | 88.3591% | 1,300 |
| Equity capital to assets | 9.9146% | 3,208 |
| Core capital (leverage) ratio | 9.5030% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0990% | 2,591 |
| Memoranda: | ||
| Average total assets | $777,451,000 | 1,084 |
| Average earning assets | $701,642,600 | 1,099 |
| Average equity | $82,505,600 | 1,126 |
| Average total loans | $627,995,000 | 941 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,489 |
| Cost of funding earning assets | 0.5039% | 3,198 |
| Net interest margin | 4.0340% | 1,043 |
| Noninterest income to average assets | 0.6554% | 1,962 |
| Noninterest expense to average assets | 3.2360% | 1,009 |
| Loan and lease loss provision to assets | 0.1806% | 2,179 |
| Net operating income to assets | 0.6982% | 3,466 |
| Return on assets (ROA) | 0.7410% | 3,416 |
| Pretax return on assets | 0.9239% | 3,315 |
| Return on Equity (ROE) | 6.8555% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.3846% | 3,361 |
| Net charge-offs to loans | 0.0271% | 2,289 |
| Credit loss provision to net charge-offs | 815.0794% | 965 |
| Earnings coverage of net charge-offs (x) | 47.4286% | 1,233 |
| Efficiency ratio | 73.2338% | 1,488 |
| Assets per employee ($millions) | 3.6457% | 4,585 |
| Cash dividends to net income (ytd only)* | 50.6290% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 4,568 |
| Loan loss allowance to noncurrent loans | 97.0249% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 1,914 |
| Noncurrent loans to loans | 0.7290% | 1,980 |
| Net loans and leases to total assets | 82.4046% | 406 |
| Net loans and leases to deposits | 94.2254% | 908 |
| Net loans and leases to core deposits | 99.5494% | 1,188 |
| Total domestic deposits to total assets | 87.4547% | 1,474 |
| Equity capital to assets | 10.1852% | 3,080 |
| Core capital (leverage) ratio | 9.7027% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3193% | 2,496 |
| Memoranda: | ||
| Average total assets | $758,042,500 | 1,087 |
| Average earning assets | $682,448,000 | 1,109 |
| Average equity | $81,937,500 | 1,123 |
| Average total loans | $618,970,000 | 945 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,544 |
| Cost of funding earning assets | 0.5139% | 3,447 |
| Net interest margin | 4.1328% | 1,053 |
| Noninterest income to average assets | 0.6578% | 1,906 |
| Noninterest expense to average assets | 3.2815% | 1,023 |
| Loan and lease loss provision to assets | 0.1993% | 2,055 |
| Net operating income to assets | 0.7140% | 3,343 |
| Return on assets (ROA) | 0.7577% | 3,307 |
| Pretax return on assets | 0.9427% | 3,200 |
| Return on Equity (ROE) | 6.8642% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.1779% | 2,832 |
| Net charge-offs to loans | -0.0083% | 4,154 |
| Credit loss provision to net charge-offs | -2,944.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7250% | 1,597 |
| Assets per employee ($millions) | 3.5287% | 4,647 |
| Cash dividends to net income (ytd only)* | 39.1351% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 4,533 |
| Loan loss allowance to noncurrent loans | 97.6500% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,004 |
| Noncurrent loans to loans | 0.7326% | 2,045 |
| Net loans and leases to total assets | 81.3580% | 462 |
| Net loans and leases to deposits | 93.4474% | 1,011 |
| Net loans and leases to core deposits | 98.8550% | 1,343 |
| Total domestic deposits to total assets | 87.0629% | 1,592 |
| Equity capital to assets | 10.4356% | 2,807 |
| Core capital (leverage) ratio | 10.0997% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7984% | 2,271 |
| Memoranda: | ||
| Average total assets | $738,512,333 | 1,094 |
| Average earning assets | $663,137,000 | 1,121 |
| Average equity | $81,524,667 | 1,123 |
| Average total loans | $599,381,000 | 961 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 1,285 |
| Cost of funding earning assets | 0.5365% | 3,764 |
| Net interest margin | 4.3237% | 727 |
| Noninterest income to average assets | 0.7034% | 1,639 |
| Noninterest expense to average assets | 3.3349% | 1,167 |
| Loan and lease loss provision to assets | 0.1812% | 1,647 |
| Net operating income to assets | 0.8489% | 2,716 |
| Return on assets (ROA) | 0.9443% | 2,468 |
| Pretax return on assets | 1.1795% | 2,272 |
| Return on Equity (ROE) | 8.3008% | 2,385 |
| Retained earnings to average equity (ytd only) | 2.8840% | 3,129 |
| Net charge-offs to loans | -0.0258% | 4,413 |
| Credit loss provision to net charge-offs | -870.2703% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5116% | 2,277 |
| Assets per employee ($millions) | 3.2551% | 4,662 |
| Cash dividends to net income (ytd only)* | 65.2563% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 4,546 |
| Loan loss allowance to noncurrent loans | 90.8547% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 2,042 |
| Noncurrent loans to loans | 0.8108% | 1,984 |
| Net loans and leases to total assets | 80.0056% | 696 |
| Net loans and leases to deposits | 92.2153% | 1,258 |
| Net loans and leases to core deposits | 97.9895% | 1,625 |
| Total domestic deposits to total assets | 86.7596% | 1,666 |
| Equity capital to assets | 11.3293% | 2,564 |
| Core capital (leverage) ratio | 10.6961% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4793% | 2,484 |
| Memoranda: | ||
| Average total assets | $710,791,500 | 1,099 |
| Average earning assets | $636,677,500 | 1,133 |
| Average equity | $80,860,000 | 1,123 |
| Average total loans | $573,772,000 | 974 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 1,514 |
| Cost of funding earning assets | 0.4646% | 4,225 |
| Net interest margin | 4.5229% | 689 |
| Noninterest income to average assets | 0.7047% | 1,801 |
| Noninterest expense to average assets | 3.3771% | 1,156 |
| Loan and lease loss provision to assets | 0.0954% | 2,128 |
| Net operating income to assets | 1.0412% | 2,692 |
| Return on assets (ROA) | 1.0509% | 2,748 |
| Pretax return on assets | 1.3123% | 2,468 |
| Return on Equity (ROE) | 9.3446% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.4239% | 1,194 |
| Net charge-offs to loans | 0.0467% | 2,453 |
| Credit loss provision to net charge-offs | 254.8638% | 1,076 |
| Earnings coverage of net charge-offs (x) | 37.2840% | 1,377 |
| Efficiency ratio | 68.2495% | 2,426 |
| Assets per employee ($millions) | 3.3434% | 4,612 |
| Cash dividends to net income (ytd only)* | 20.5544% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,606 |
| Loan loss allowance to noncurrent loans | 78.1884% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 1,833 |
| Noncurrent loans to loans | 0.8730% | 1,755 |
| Net loans and leases to total assets | 80.2967% | 743 |
| Net loans and leases to deposits | 92.6782% | 1,293 |
| Net loans and leases to core deposits | 98.9350% | 1,657 |
| Total domestic deposits to total assets | 86.6403% | 1,786 |
| Equity capital to assets | 11.4235% | 2,597 |
| Core capital (leverage) ratio | 10.7987% | 2,679 |
| Tier 1 risk-based capital ratio | 12.8564% | 3,870 |
| Total risk-based capital ratio | 13.5319% | 4,066 |
| Memoranda: | ||
| Average total assets | $686,561,400 | 1,088 |
| Average earning assets | $617,523,200 | 1,117 |
| Average equity | $77,210,200 | 1,117 |
| Average total loans | $550,488,800 | 980 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 1,568 |
| Cost of funding earning assets | 0.4442% | 4,350 |
| Net interest margin | 4.5436% | 694 |
| Noninterest income to average assets | 0.6969% | 1,799 |
| Noninterest expense to average assets | 3.3292% | 1,207 |
| Loan and lease loss provision to assets | 0.1300% | 1,487 |
| Net operating income to assets | 1.0620% | 2,728 |
| Return on assets (ROA) | 1.0690% | 2,780 |
| Pretax return on assets | 1.3326% | 2,557 |
| Return on Equity (ROE) | 9.5451% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.9558% | 1,882 |
| Net charge-offs to loans | 0.0459% | 2,178 |
| Credit loss provision to net charge-offs | 353.7234% | 853 |
| Earnings coverage of net charge-offs (x) | 39.5480% | 1,381 |
| Efficiency ratio | 67.0278% | 2,582 |
| Assets per employee ($millions) | 3.3535% | 4,625 |
| Cash dividends to net income (ytd only)* | 27.1263% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,636 |
| Loan loss allowance to noncurrent loans | 82.4751% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 1,962 |
| Noncurrent loans to loans | 0.8566% | 1,874 |
| Net loans and leases to total assets | 80.4171% | 792 |
| Net loans and leases to deposits | 92.7366% | 1,347 |
| Net loans and leases to core deposits | 98.7460% | 1,766 |
| Total domestic deposits to total assets | 86.7157% | 1,673 |
| Equity capital to assets | 11.3595% | 2,789 |
| Core capital (leverage) ratio | 10.8048% | 2,835 |
| Tier 1 risk-based capital ratio | 12.7517% | 3,990 |
| Total risk-based capital ratio | 13.4534% | 4,190 |
| Memoranda: | ||
| Average total assets | $681,837,000 | 1,096 |
| Average earning assets | $613,191,000 | 1,122 |
| Average equity | $76,365,750 | 1,125 |
| Average total loans | $545,522,750 | 988 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 1,561 |
| Cost of funding earning assets | 0.4170% | 4,441 |
| Net interest margin | 4.5541% | 677 |
| Noninterest income to average assets | 0.6905% | 1,754 |
| Noninterest expense to average assets | 3.3722% | 1,150 |
| Loan and lease loss provision to assets | 0.1517% | 1,207 |
| Net operating income to assets | 1.0126% | 2,869 |
| Return on assets (ROA) | 1.0116% | 2,948 |
| Pretax return on assets | 1.2583% | 2,716 |
| Return on Equity (ROE) | 9.0765% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.1012% | 1,759 |
| Net charge-offs to loans | 0.0707% | 1,655 |
| Credit loss provision to net charge-offs | 269.1099% | 967 |
| Earnings coverage of net charge-offs (x) | 25.0366% | 1,610 |
| Efficiency ratio | 67.7957% | 2,571 |
| Assets per employee ($millions) | 3.2229% | 4,757 |
| Cash dividends to net income (ytd only)* | 21.7620% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 4,729 |
| Loan loss allowance to noncurrent loans | 70.6514% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 1,764 |
| Noncurrent loans to loans | 0.9829% | 1,661 |
| Net loans and leases to total assets | 80.2899% | 838 |
| Net loans and leases to deposits | 91.0147% | 1,627 |
| Net loans and leases to core deposits | 96.6264% | 2,007 |
| Total domestic deposits to total assets | 88.2164% | 1,001 |
| Equity capital to assets | 11.3958% | 2,704 |
| Core capital (leverage) ratio | 10.6474% | 2,942 |
| Tier 1 risk-based capital ratio | 12.8318% | 3,925 |
| Total risk-based capital ratio | 13.5252% | 4,125 |
| Memoranda: | ||
| Average total assets | $677,723,330 | 1,098 |
| Average earning assets | $609,071,000 | 1,126 |
| Average equity | $75,536,000 | 1,132 |
| Average total loans | $539,960,330 | 999 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 1,429 |
| Cost of funding earning assets | 0.3885% | 4,538 |
| Net interest margin | 4.5755% | 643 |
| Noninterest income to average assets | 0.6421% | 1,850 |
| Noninterest expense to average assets | 3.3706% | 1,161 |
| Loan and lease loss provision to assets | 0.1407% | 1,216 |
| Net operating income to assets | 0.9910% | 2,880 |
| Return on assets (ROA) | 0.9844% | 2,947 |
| Pretax return on assets | 1.2309% | 2,695 |
| Return on Equity (ROE) | 8.9329% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.9305% | 2,934 |
| Net charge-offs to loans | 0.0860% | 1,242 |
| Credit loss provision to net charge-offs | 206.9565% | 1,031 |
| Earnings coverage of net charge-offs (x) | 20.2957% | 1,563 |
| Efficiency ratio | 68.2265% | 2,610 |
| Assets per employee ($millions) | 3.2834% | 4,753 |
| Cash dividends to net income (ytd only)* | 44.8048% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,812 |
| Loan loss allowance to noncurrent loans | 64.4805% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,705 |
| Noncurrent loans to loans | 1.0515% | 1,586 |
| Net loans and leases to total assets | 78.7369% | 1,026 |
| Net loans and leases to deposits | 89.0653% | 1,744 |
| Net loans and leases to core deposits | 93.8669% | 2,138 |
| Total domestic deposits to total assets | 88.4035% | 1,128 |
| Equity capital to assets | 11.1869% | 2,669 |
| Core capital (leverage) ratio | 10.4185% | 3,147 |
| Tier 1 risk-based capital ratio | 12.6947% | 4,048 |
| Total risk-based capital ratio | 13.3640% | 4,285 |
| Memoranda: | ||
| Average total assets | $676,566,000 | 1,101 |
| Average earning assets | $607,500,500 | 1,131 |
| Average equity | $74,556,000 | 1,141 |
| Average total loans | $535,030,500 | 1,015 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,309 |
| Cost of funding earning assets | 0.3551% | 4,251 |
| Net interest margin | 4.5384% | 711 |
| Noninterest income to average assets | 0.7731% | 1,557 |
| Noninterest expense to average assets | 3.6780% | 793 |
| Loan and lease loss provision to assets | 0.0543% | 3,085 |
| Net operating income to assets | 0.8636% | 3,565 |
| Return on assets (ROA) | 0.8636% | 3,563 |
| Pretax return on assets | 1.0961% | 3,287 |
| Return on Equity (ROE) | 8.2559% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.4633% | 1,944 |
| Net charge-offs to loans | 0.0600% | 2,277 |
| Credit loss provision to net charge-offs | 114.8410% | 2,260 |
| Earnings coverage of net charge-offs (x) | 24.3428% | 1,818 |
| Efficiency ratio | 74.1760% | 1,603 |
| Assets per employee ($millions) | 3.3040% | 4,736 |
| Cash dividends to net income (ytd only)* | 21.7131% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 4,894 |
| Loan loss allowance to noncurrent loans | 62.6456% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 1,480 |
| Noncurrent loans to loans | 1.0400% | 1,572 |
| Net loans and leases to total assets | 78.3067% | 1,225 |
| Net loans and leases to deposits | 88.3461% | 2,007 |
| Net loans and leases to core deposits | 93.0596% | 2,310 |
| Total domestic deposits to total assets | 88.6362% | 1,009 |
| Equity capital to assets | 10.9312% | 2,758 |
| Core capital (leverage) ratio | 10.0907% | 3,474 |
| Tier 1 risk-based capital ratio | 12.3578% | 4,207 |
| Total risk-based capital ratio | 12.9996% | 4,470 |
| Memoranda: | ||
| Average total assets | $598,858,000 | 1,204 |
| Average earning assets | $535,100,200 | 1,239 |
| Average equity | $62,646,000 | 1,275 |
| Average total loans | $471,535,200 | 1,110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 1,452 |
| Cost of funding earning assets | 0.3431% | 4,231 |
| Net interest margin | 4.4476% | 822 |
| Noninterest income to average assets | 0.7948% | 1,488 |
| Noninterest expense to average assets | 3.6245% | 824 |
| Loan and lease loss provision to assets | 0.0595% | 2,790 |
| Net operating income to assets | 0.8635% | 3,686 |
| Return on assets (ROA) | 0.8644% | 3,691 |
| Pretax return on assets | 1.0834% | 3,458 |
| Return on Equity (ROE) | 8.3740% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.8662% | 2,723 |
| Net charge-offs to loans | 0.0785% | 1,736 |
| Credit loss provision to net charge-offs | 96.2687% | 2,348 |
| Earnings coverage of net charge-offs (x) | 18.4816% | 2,051 |
| Efficiency ratio | 74.3096% | 1,546 |
| Assets per employee ($millions) | 3.3800% | 4,705 |
| Cash dividends to net income (ytd only)* | 29.9467% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 4,983 |
| Loan loss allowance to noncurrent loans | 58.9656% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 1,715 |
| Noncurrent loans to loans | 1.0864% | 1,566 |
| Net loans and leases to total assets | 78.6034% | 1,233 |
| Net loans and leases to deposits | 88.5779% | 2,080 |
| Net loans and leases to core deposits | 93.4342% | 2,358 |
| Total domestic deposits to total assets | 88.7393% | 939 |
| Equity capital to assets | 10.6846% | 2,952 |
| Core capital (leverage) ratio | 9.7751% | 3,867 |
| Tier 1 risk-based capital ratio | 12.0483% | 4,478 |
| Total risk-based capital ratio | 12.6817% | 4,707 |
| Memoranda: | ||
| Average total assets | $578,417,750 | 1,241 |
| Average earning assets | $516,488,500 | 1,279 |
| Average equity | $59,707,500 | 1,326 |
| Average total loans | $455,302,750 | 1,139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 1,921 |
| Cost of funding earning assets | 0.3149% | 4,314 |
| Net interest margin | 4.2397% | 1,191 |
| Noninterest income to average assets | 0.8154% | 1,431 |
| Noninterest expense to average assets | 3.6045% | 860 |
| Loan and lease loss provision to assets | 0.0532% | 2,847 |
| Net operating income to assets | 0.7446% | 4,052 |
| Return on assets (ROA) | 0.7460% | 4,050 |
| Pretax return on assets | 0.9406% | 3,841 |
| Return on Equity (ROE) | 7.3339% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,810 |
| Net charge-offs to loans | 0.1482% | 1,036 |
| Credit loss provision to net charge-offs | 45.7413% | 2,516 |
| Earnings coverage of net charge-offs (x) | 8.5237% | 2,467 |
| Efficiency ratio | 77.3003% | 1,274 |
| Assets per employee ($millions) | 3.0549% | 5,062 |
| Cash dividends to net income (ytd only)* | 24.7047% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,810 |
| Loan loss allowance to noncurrent loans | 80.6539% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 1,818 |
| Noncurrent loans to loans | 0.9400% | 1,852 |
| Net loans and leases to total assets | 78.9854% | 1,167 |
| Net loans and leases to deposits | 90.1324% | 1,822 |
| Net loans and leases to core deposits | 92.7862% | 2,327 |
| Total domestic deposits to total assets | 87.6326% | 1,572 |
| Equity capital to assets | 10.2935% | 3,344 |
| Core capital (leverage) ratio | 10.2534% | 3,288 |
| Tier 1 risk-based capital ratio | 12.4424% | 4,223 |
| Total risk-based capital ratio | 13.1889% | 4,410 |
| Memoranda: | ||
| Average total assets | $544,764,330 | 1,301 |
| Average earning assets | $485,835,330 | 1,352 |
| Average equity | $55,413,670 | 1,414 |
| Average total loans | $427,918,000 | 1,189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 1,942 |
| Cost of funding earning assets | 0.2966% | 4,379 |
| Net interest margin | 4.1790% | 1,219 |
| Noninterest income to average assets | 0.7101% | 1,785 |
| Noninterest expense to average assets | 3.4486% | 1,084 |
| Loan and lease loss provision to assets | 0.0396% | 2,964 |
| Net operating income to assets | 0.7462% | 3,917 |
| Return on assets (ROA) | 0.7439% | 3,928 |
| Pretax return on assets | 0.9500% | 3,705 |
| Return on Equity (ROE) | 7.3566% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.7146% | 3,710 |
| Net charge-offs to loans | 0.0865% | 1,291 |
| Credit loss provision to net charge-offs | 58.6957% | 1,893 |
| Earnings coverage of net charge-offs (x) | 14.7065% | 1,697 |
| Efficiency ratio | 76.4949% | 1,524 |
| Assets per employee ($millions) | 3.0681% | 5,112 |
| Cash dividends to net income (ytd only)* | 49.5069% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,786 |
| Loan loss allowance to noncurrent loans | 73.8858% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 1,856 |
| Noncurrent loans to loans | 1.0847% | 1,687 |
| Net loans and leases to total assets | 77.8366% | 1,268 |
| Net loans and leases to deposits | 87.1159% | 2,038 |
| Net loans and leases to core deposits | 89.8394% | 2,467 |
| Total domestic deposits to total assets | 89.3484% | 942 |
| Equity capital to assets | 10.1562% | 3,444 |
| Core capital (leverage) ratio | 10.0027% | 3,538 |
| Tier 1 risk-based capital ratio | 12.3224% | 4,361 |
| Total risk-based capital ratio | 13.1099% | 4,526 |
| Memoranda: | ||
| Average total assets | $545,261,500 | 1,315 |
| Average earning assets | $486,810,500 | 1,363 |
| Average equity | $55,134,000 | 1,424 |
| Average total loans | $425,487,000 | 1,203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 1,670 |
| Cost of funding earning assets | 0.2985% | 4,158 |
| Net interest margin | 4.2145% | 1,161 |
| Noninterest income to average assets | 0.7185% | 1,891 |
| Noninterest expense to average assets | 3.4730% | 1,084 |
| Loan and lease loss provision to assets | 0.0393% | 3,483 |
| Net operating income to assets | 0.4529% | 4,523 |
| Return on assets (ROA) | 0.4809% | 4,459 |
| Pretax return on assets | 1.0135% | 3,517 |
| Return on Equity (ROE) | 4.8778% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.4023% | 3,248 |
| Net charge-offs to loans | 0.0440% | 2,912 |
| Credit loss provision to net charge-offs | 117.9348% | 2,217 |
| Earnings coverage of net charge-offs (x) | 30.3043% | 1,539 |
| Efficiency ratio | 76.3504% | 1,568 |
| Assets per employee ($millions) | 3.1830% | 5,048 |
| Cash dividends to net income (ytd only)* | 30.2483% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,786 |
| Loan loss allowance to noncurrent loans | 64.7235% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 1,588 |
| Noncurrent loans to loans | 1.2557% | 1,401 |
| Net loans and leases to total assets | 76.9744% | 1,437 |
| Net loans and leases to deposits | 86.0116% | 2,259 |
| Net loans and leases to core deposits | 88.4434% | 2,688 |
| Total domestic deposits to total assets | 89.4931% | 782 |
| Equity capital to assets | 10.0671% | 3,624 |
| Core capital (leverage) ratio | 9.8098% | 3,688 |
| Tier 1 risk-based capital ratio | 12.3345% | 4,304 |
| Total risk-based capital ratio | 13.1369% | 4,487 |
| Memoranda: | ||
| Average total assets | $552,661,200 | 1,279 |
| Average earning assets | $493,514,600 | 1,320 |
| Average equity | $54,491,800 | 1,418 |
| Average total loans | $418,613,400 | 1,189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,752 |
| Cost of funding earning assets | 0.2986% | 4,145 |
| Net interest margin | 4.1639% | 1,242 |
| Noninterest income to average assets | 0.6708% | 2,121 |
| Noninterest expense to average assets | 3.4447% | 1,074 |
| Loan and lease loss provision to assets | 0.0561% | 2,968 |
| Net operating income to assets | 0.6195% | 4,316 |
| Return on assets (ROA) | 0.6407% | 4,281 |
| Pretax return on assets | 0.9192% | 3,969 |
| Return on Equity (ROE) | 6.5320% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,179 |
| Net charge-offs to loans | 0.0393% | 2,653 |
| Credit loss provision to net charge-offs | 189.4309% | 1,403 |
| Earnings coverage of net charge-offs (x) | 31.9179% | 1,495 |
| Efficiency ratio | 77.3111% | 1,421 |
| Assets per employee ($millions) | 3.1552% | 5,119 |
| Cash dividends to net income (ytd only)* | 30.2028% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 4,802 |
| Loan loss allowance to noncurrent loans | 61.5197% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 1,605 |
| Noncurrent loans to loans | 1.3556% | 1,389 |
| Net loans and leases to total assets | 76.8961% | 1,435 |
| Net loans and leases to deposits | 86.0367% | 2,286 |
| Net loans and leases to core deposits | 88.5199% | 2,722 |
| Total domestic deposits to total assets | 89.3760% | 710 |
| Equity capital to assets | 10.1710% | 3,728 |
| Core capital (leverage) ratio | 9.6683% | 3,967 |
| Tier 1 risk-based capital ratio | 12.2285% | 4,478 |
| Total risk-based capital ratio | 13.0678% | 4,622 |
| Memoranda: | ||
| Average total assets | $553,957,000 | 1,286 |
| Average earning assets | $494,743,000 | 1,325 |
| Average equity | $54,336,000 | 1,432 |
| Average total loans | $417,049,000 | 1,202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,786 |
| Cost of funding earning assets | 0.2960% | 4,122 |
| Net interest margin | 4.1129% | 1,295 |
| Noninterest income to average assets | 0.6438% | 2,233 |
| Noninterest expense to average assets | 3.5372% | 955 |
| Loan and lease loss provision to assets | 0.0568% | 2,838 |
| Net operating income to assets | 0.5155% | 4,668 |
| Return on assets (ROA) | 0.5443% | 4,586 |
| Pretax return on assets | 0.7696% | 4,375 |
| Return on Equity (ROE) | 5.6172% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.1267% | 3,252 |
| Net charge-offs to loans | 0.0048% | 3,303 |
| Credit loss provision to net charge-offs | 1,580.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 218.7000% | 386 |
| Efficiency ratio | 80.6433% | 1,140 |
| Assets per employee ($millions) | 3.0406% | 5,230 |
| Cash dividends to net income (ytd only)* | 26.5347% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,821 |
| Loan loss allowance to noncurrent loans | 61.9229% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 1,664 |
| Noncurrent loans to loans | 1.3700% | 1,412 |
| Net loans and leases to total assets | 75.3560% | 1,635 |
| Net loans and leases to deposits | 83.9849% | 2,479 |
| Net loans and leases to core deposits | 86.8252% | 2,810 |
| Total domestic deposits to total assets | 89.7256% | 633 |
| Equity capital to assets | 9.9139% | 4,007 |
| Core capital (leverage) ratio | 9.3785% | 4,257 |
| Tier 1 risk-based capital ratio | 12.1917% | 4,495 |
| Total risk-based capital ratio | 13.0530% | 4,650 |
| Memoranda: | ||
| Average total assets | $556,657,000 | 1,292 |
| Average earning assets | $497,950,000 | 1,319 |
| Average equity | $53,941,670 | 1,446 |
| Average total loans | $414,974,330 | 1,207 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 1,742 |
| Cost of funding earning assets | 0.2964% | 4,082 |
| Net interest margin | 4.0762% | 1,281 |
| Noninterest income to average assets | 0.6362% | 2,241 |
| Noninterest expense to average assets | 3.5158% | 1,022 |
| Loan and lease loss provision to assets | 0.0774% | 2,265 |
| Net operating income to assets | 0.4879% | 4,645 |
| Return on assets (ROA) | 0.4879% | 4,670 |
| Pretax return on assets | 0.6885% | 4,484 |
| Return on Equity (ROE) | 5.0934% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.0867% | 4,310 |
| Net charge-offs to loans | -0.0466% | 5,152 |
| Credit loss provision to net charge-offs | -225.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9237% | 1,267 |
| Assets per employee ($millions) | 3.1532% | 5,217 |
| Cash dividends to net income (ytd only)* | 59.0308% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,875 |
| Loan loss allowance to noncurrent loans | 68.9948% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 1,955 |
| Noncurrent loans to loans | 1.2569% | 1,607 |
| Net loans and leases to total assets | 73.2448% | 1,867 |
| Net loans and leases to deposits | 81.4554% | 2,574 |
| Net loans and leases to core deposits | 84.2490% | 2,875 |
| Total domestic deposits to total assets | 89.9201% | 698 |
| Equity capital to assets | 9.6384% | 4,143 |
| Core capital (leverage) ratio | 9.1434% | 4,550 |
| Tier 1 risk-based capital ratio | 11.9454% | 4,753 |
| Total risk-based capital ratio | 12.8178% | 4,885 |
| Memoranda: | ||
| Average total assets | $558,287,000 | 1,289 |
| Average earning assets | $499,293,500 | 1,320 |
| Average equity | $53,481,000 | 1,453 |
| Average total loans | $412,168,500 | 1,214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,044 |
| Cost of funding earning assets | 0.4642% | 2,406 |
| Net interest margin | 4.2492% | 1,016 |
| Noninterest income to average assets | 0.7856% | 1,805 |
| Noninterest expense to average assets | 4.0027% | 596 |
| Loan and lease loss provision to assets | -0.0012% | 5,457 |
| Net operating income to assets | 0.3807% | 5,005 |
| Return on assets (ROA) | 0.4385% | 4,917 |
| Pretax return on assets | 0.6662% | 4,603 |
| Return on Equity (ROE) | 4.5683% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.1371% | 3,673 |
| Net charge-offs to loans | -0.0023% | 4,712 |
| Credit loss provision to net charge-offs | 71.4286% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6475% | 774 |
| Assets per employee ($millions) | 3.1912% | 5,154 |
| Cash dividends to net income (ytd only)* | 31.3286% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 5,021 |
| Loan loss allowance to noncurrent loans | 73.3276% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 2,227 |
| Noncurrent loans to loans | 1.1321% | 1,815 |
| Net loans and leases to total assets | 73.1568% | 1,984 |
| Net loans and leases to deposits | 81.5459% | 2,720 |
| Net loans and leases to core deposits | 83.6291% | 3,060 |
| Total domestic deposits to total assets | 89.7125% | 769 |
| Equity capital to assets | 9.5206% | 4,248 |
| Core capital (leverage) ratio | 9.0119% | 4,732 |
| Tier 1 risk-based capital ratio | 11.8802% | 4,807 |
| Total risk-based capital ratio | 12.7212% | 4,977 |
| Memoranda: | ||
| Average total assets | $417,115,400 | 1,623 |
| Average earning assets | $372,496,800 | 1,671 |
| Average equity | $40,037,200 | 1,845 |
| Average total loans | $309,492,400 | 1,481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 1,010 |
| Cost of funding earning assets | 0.4916% | 2,156 |
| Net interest margin | 4.2389% | 1,048 |
| Noninterest income to average assets | 0.8102% | 1,717 |
| Noninterest expense to average assets | 3.6921% | 861 |
| Loan and lease loss provision to assets | 0.0049% | 4,133 |
| Net operating income to assets | 0.5855% | 4,348 |
| Return on assets (ROA) | 0.6681% | 4,131 |
| Pretax return on assets | 1.0229% | 3,539 |
| Return on Equity (ROE) | 6.9396% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.8610% | 2,919 |
| Net charge-offs to loans | -0.0225% | 5,050 |
| Credit loss provision to net charge-offs | -29.1667% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8494% | 1,454 |
| Assets per employee ($millions) | 3.0690% | 5,319 |
| Cash dividends to net income (ytd only)* | 29.9530% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 5,031 |
| Loan loss allowance to noncurrent loans | 172.1920% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,926 |
| Noncurrent loans to loans | 0.4947% | 3,517 |
| Net loans and leases to total assets | 72.5234% | 2,111 |
| Net loans and leases to deposits | 82.2359% | 2,698 |
| Net loans and leases to core deposits | 84.5178% | 3,077 |
| Total domestic deposits to total assets | 88.1894% | 1,306 |
| Equity capital to assets | 9.6326% | 4,531 |
| Core capital (leverage) ratio | 9.0052% | 4,826 |
| Tier 1 risk-based capital ratio | 12.0648% | 4,749 |
| Total risk-based capital ratio | 12.9187% | 4,899 |
| Memoranda: | ||
| Average total assets | $381,780,500 | 1,756 |
| Average earning assets | $340,675,750 | 1,826 |
| Average equity | $36,754,500 | 1,999 |
| Average total loans | $283,873,500 | 1,597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,755 |
| Cost of funding earning assets | 0.5345% | 1,833 |
| Net interest margin | 3.8921% | 2,006 |
| Noninterest income to average assets | 0.7638% | 1,870 |
| Noninterest expense to average assets | 3.5242% | 1,122 |
| Loan and lease loss provision to assets | -0.0589% | 5,834 |
| Net operating income to assets | 0.4952% | 4,699 |
| Return on assets (ROA) | 0.6418% | 4,225 |
| Pretax return on assets | 0.9837% | 3,642 |
| Return on Equity (ROE) | 6.6685% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.9177% | 2,784 |
| Net charge-offs to loans | 0.0116% | 3,314 |
| Credit loss provision to net charge-offs | -678.5714% | 5,009 |
| Earnings coverage of net charge-offs (x) | 80.6429% | 700 |
| Efficiency ratio | 83.4409% | 1,099 |
| Assets per employee ($millions) | 2.9109% | 5,523 |
| Cash dividends to net income (ytd only)* | 26.2548% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 2,521 |
| Loan loss allowance to noncurrent loans | 280.4237% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 3,886 |
| Noncurrent loans to loans | 0.4820% | 3,643 |
| Net loans and leases to total assets | 76.1115% | 1,476 |
| Net loans and leases to deposits | 88.0387% | 1,992 |
| Net loans and leases to core deposits | 89.3878% | 2,593 |
| Total domestic deposits to total assets | 86.4523% | 2,194 |
| Equity capital to assets | 10.0045% | 4,221 |
| Core capital (leverage) ratio | 9.7952% | 3,818 |
| Tier 1 risk-based capital ratio | 12.6869% | 4,395 |
| Total risk-based capital ratio | 13.9624% | 4,280 |
| Memoranda: | ||
| Average total assets | $322,854,330 | 2,059 |
| Average earning assets | $286,993,670 | 2,131 |
| Average equity | $31,071,330 | 2,302 |
| Average total loans | $242,309,330 | 1,843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,763 |
| Cost of funding earning assets | 0.5875% | 1,425 |
| Net interest margin | 3.8272% | 2,198 |
| Noninterest income to average assets | 0.7309% | 1,899 |
| Noninterest expense to average assets | 3.8030% | 774 |
| Loan and lease loss provision to assets | -0.1069% | 5,989 |
| Net operating income to assets | 0.2665% | 5,387 |
| Return on assets (ROA) | 0.5503% | 4,523 |
| Pretax return on assets | 0.8869% | 3,898 |
| Return on Equity (ROE) | 5.8304% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.5919% | 3,702 |
| Net charge-offs to loans | 0.0315% | 2,320 |
| Credit loss provision to net charge-offs | -457.8947% | 4,535 |
| Earnings coverage of net charge-offs (x) | 14.4211% | 1,700 |
| Efficiency ratio | 91.8694% | 559 |
| Assets per employee ($millions) | 2.8546% | 5,639 |
| Cash dividends to net income (ytd only)* | 38.3929% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,540 |
| Loan loss allowance to noncurrent loans | 238.7888% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 3,699 |
| Noncurrent loans to loans | 0.5757% | 3,465 |
| Net loans and leases to total assets | 74.3150% | 1,684 |
| Net loans and leases to deposits | 85.5621% | 2,112 |
| Net loans and leases to core deposits | 86.9756% | 2,661 |
| Total domestic deposits to total assets | 86.8551% | 2,272 |
| Equity capital to assets | 9.7007% | 4,448 |
| Core capital (leverage) ratio | 9.3253% | 4,462 |
| Tier 1 risk-based capital ratio | 12.5118% | 4,571 |
| Total risk-based capital ratio | 13.7753% | 4,471 |
| Memoranda: | ||
| Average total assets | $325,638,500 | 2,053 |
| Average earning assets | $290,031,000 | 2,128 |
| Average equity | $30,735,500 | 2,321 |
| Average total loans | $241,064,000 | 1,852 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,143 |
| Cost of funding earning assets | 0.7573% | 617 |
| Net interest margin | 3.5644% | 3,264 |
| Noninterest income to average assets | 0.7526% | 1,970 |
| Noninterest expense to average assets | 3.4735% | 1,346 |
| Loan and lease loss provision to assets | -0.0566% | 5,765 |
| Net operating income to assets | 0.3170% | 5,310 |
| Return on assets (ROA) | 0.3358% | 5,342 |
| Pretax return on assets | 0.5342% | 5,030 |
| Return on Equity (ROE) | 3.6355% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.7446% | 4,117 |
| Net charge-offs to loans | 0.2533% | 1,186 |
| Credit loss provision to net charge-offs | -32.2414% | 5,020 |
| Earnings coverage of net charge-offs (x) | 2.5552% | 3,877 |
| Efficiency ratio | 88.5692% | 796 |
| Assets per employee ($millions) | 2.9341% | 5,580 |
| Cash dividends to net income (ytd only)* | 24.5045% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 2,341 |
| Loan loss allowance to noncurrent loans | 215.1038% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 3,277 |
| Noncurrent loans to loans | 0.6587% | 3,218 |
| Net loans and leases to total assets | 71.7216% | 2,102 |
| Net loans and leases to deposits | 84.9579% | 2,245 |
| Net loans and leases to core deposits | 86.4626% | 2,761 |
| Total domestic deposits to total assets | 84.4202% | 3,323 |
| Equity capital to assets | 9.1858% | 4,931 |
| Core capital (leverage) ratio | 8.9114% | 4,989 |
| Tier 1 risk-based capital ratio | 11.5111% | 5,248 |
| Total risk-based capital ratio | 12.7779% | 5,146 |
| Memoranda: | ||
| Average total assets | $330,590,400 | 1,987 |
| Average earning assets | $293,934,600 | 2,053 |
| Average equity | $30,532,200 | 2,283 |
| Average total loans | $229,013,800 | 1,864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 2,214 |
| Cost of funding earning assets | 0.7731% | 586 |
| Net interest margin | 3.5305% | 3,428 |
| Noninterest income to average assets | 0.7402% | 2,065 |
| Noninterest expense to average assets | 3.2179% | 1,921 |
| Loan and lease loss provision to assets | -0.0480% | 5,909 |
| Net operating income to assets | 0.5044% | 4,771 |
| Return on assets (ROA) | 0.5332% | 4,761 |
| Pretax return on assets | 0.7455% | 4,515 |
| Return on Equity (ROE) | 5.7650% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.5780% | 3,217 |
| Net charge-offs to loans | 0.3428% | 768 |
| Credit loss provision to net charge-offs | -20.4819% | 4,889 |
| Earnings coverage of net charge-offs (x) | 2.8038% | 3,599 |
| Efficiency ratio | 83.0348% | 1,266 |
| Assets per employee ($millions) | 2.9391% | 5,609 |
| Cash dividends to net income (ytd only)* | 20.5906% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 2,089 |
| Loan loss allowance to noncurrent loans | 199.9426% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 3,461 |
| Noncurrent loans to loans | 0.7581% | 3,065 |
| Net loans and leases to total assets | 68.1777% | 2,654 |
| Net loans and leases to deposits | 80.9157% | 2,772 |
| Net loans and leases to core deposits | 82.4878% | 3,202 |
| Total domestic deposits to total assets | 84.2576% | 3,318 |
| Equity capital to assets | 9.3679% | 4,919 |
| Core capital (leverage) ratio | 9.1091% | 4,863 |
| Tier 1 risk-based capital ratio | 11.8314% | 5,179 |
| Total risk-based capital ratio | 13.1063% | 5,089 |
| Memoranda: | ||
| Average total assets | $330,348,750 | 2,002 |
| Average earning assets | $293,362,250 | 2,070 |
| Average equity | $30,551,250 | 2,293 |
| Average total loans | $225,963,250 | 1,896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,220 |
| Cost of funding earning assets | 0.7859% | 538 |
| Net interest margin | 3.4971% | 3,515 |
| Noninterest income to average assets | 0.7387% | 2,048 |
| Noninterest expense to average assets | 3.2042% | 1,973 |
| Loan and lease loss provision to assets | -0.0637% | 6,046 |
| Net operating income to assets | 0.5042% | 4,748 |
| Return on assets (ROA) | 0.5422% | 4,701 |
| Pretax return on assets | 0.7545% | 4,476 |
| Return on Equity (ROE) | 5.8886% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.2299% | 2,716 |
| Net charge-offs to loans | 0.3570% | 733 |
| Credit loss provision to net charge-offs | -26.1845% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.6234% | 3,310 |
| Efficiency ratio | 83.3938% | 1,331 |
| Assets per employee ($millions) | 2.8677% | 5,744 |
| Cash dividends to net income (ytd only)* | 11.1857% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,856 |
| Loan loss allowance to noncurrent loans | 109.6246% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 2,331 |
| Noncurrent loans to loans | 1.4752% | 1,799 |
| Net loans and leases to total assets | 69.0694% | 2,474 |
| Net loans and leases to deposits | 82.0902% | 2,539 |
| Net loans and leases to core deposits | 83.7984% | 2,999 |
| Total domestic deposits to total assets | 84.1385% | 3,504 |
| Equity capital to assets | 9.3989% | 4,779 |
| Core capital (leverage) ratio | 9.0402% | 4,905 |
| Tier 1 risk-based capital ratio | 12.1164% | 5,068 |
| Total risk-based capital ratio | 13.3889% | 4,949 |
| Memoranda: | ||
| Average total assets | $329,757,670 | 2,014 |
| Average earning assets | $292,646,330 | 2,088 |
| Average equity | $30,364,000 | 2,315 |
| Average total loans | $224,645,000 | 1,917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 2,390 |
| Cost of funding earning assets | 0.7913% | 530 |
| Net interest margin | 3.4262% | 3,731 |
| Noninterest income to average assets | 0.7396% | 1,967 |
| Noninterest expense to average assets | 3.1701% | 2,063 |
| Loan and lease loss provision to assets | -0.1636% | 6,248 |
| Net operating income to assets | 0.5451% | 4,493 |
| Return on assets (ROA) | 0.5544% | 4,572 |
| Pretax return on assets | 0.7925% | 4,269 |
| Return on Equity (ROE) | 6.0823% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.0823% | 2,445 |
| Net charge-offs to loans | 0.3978% | 618 |
| Credit loss provision to net charge-offs | -61.2613% | 4,420 |
| Earnings coverage of net charge-offs (x) | 2.3063% | 2,784 |
| Efficiency ratio | 83.7357% | 1,411 |
| Assets per employee ($millions) | 2.9674% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,704 |
| Loan loss allowance to noncurrent loans | 90.4514% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 2,008 |
| Noncurrent loans to loans | 1.8935% | 1,424 |
| Net loans and leases to total assets | 66.0815% | 2,749 |
| Net loans and leases to deposits | 78.3020% | 2,762 |
| Net loans and leases to core deposits | 80.2341% | 3,128 |
| Total domestic deposits to total assets | 84.3931% | 3,654 |
| Equity capital to assets | 9.2915% | 4,981 |
| Core capital (leverage) ratio | 8.8182% | 5,180 |
| Tier 1 risk-based capital ratio | 12.1856% | 5,122 |
| Total risk-based capital ratio | 13.4596% | 5,016 |
| Memoranda: | ||
| Average total assets | $332,612,500 | 2,002 |
| Average earning assets | $295,725,000 | 2,081 |
| Average equity | $30,317,500 | 2,328 |
| Average total loans | $223,219,000 | 1,928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 2,089 |
| Cost of funding earning assets | 0.8888% | 411 |
| Net interest margin | 3.5557% | 3,579 |
| Noninterest income to average assets | 0.5324% | 3,288 |
| Noninterest expense to average assets | 3.2908% | 1,956 |
| Loan and lease loss provision to assets | 0.0885% | 2,698 |
| Net operating income to assets | 0.2087% | 5,747 |
| Return on assets (ROA) | 0.2984% | 5,591 |
| Pretax return on assets | 0.4065% | 5,468 |
| Return on Equity (ROE) | 3.3694% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.3694% | 3,812 |
| Net charge-offs to loans | 0.3230% | 1,369 |
| Credit loss provision to net charge-offs | 42.0000% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.7657% | 4,339 |
| Efficiency ratio | 89.8397% | 854 |
| Assets per employee ($millions) | 2.9989% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 1,371 |
| Loan loss allowance to noncurrent loans | 90.8203% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 1,710 |
| Noncurrent loans to loans | 2.0665% | 1,326 |
| Net loans and leases to total assets | 65.7316% | 2,937 |
| Net loans and leases to deposits | 77.5490% | 3,025 |
| Net loans and leases to core deposits | 79.8215% | 3,317 |
| Total domestic deposits to total assets | 84.7614% | 3,385 |
| Equity capital to assets | 8.9387% | 5,350 |
| Core capital (leverage) ratio | 8.7262% | 5,324 |
| Tier 1 risk-based capital ratio | 12.7287% | 4,904 |
| Total risk-based capital ratio | 14.0013% | 4,794 |
| Memoranda: | ||
| Average total assets | $332,109,400 | 1,952 |
| Average earning assets | $292,403,400 | 2,054 |
| Average equity | $29,411,600 | 2,309 |
| Average total loans | $216,718,800 | 1,924 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,089 |
| Cost of funding earning assets | 0.9028% | 414 |
| Net interest margin | 3.5348% | 3,697 |
| Noninterest income to average assets | 0.6897% | 2,382 |
| Noninterest expense to average assets | 3.1509% | 2,320 |
| Loan and lease loss provision to assets | 0.0932% | 2,497 |
| Net operating income to assets | 0.4026% | 5,240 |
| Return on assets (ROA) | 0.4736% | 5,058 |
| Pretax return on assets | 0.6491% | 4,877 |
| Return on Equity (ROE) | 5.3603% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.3603% | 2,843 |
| Net charge-offs to loans | 0.3185% | 1,249 |
| Credit loss provision to net charge-offs | 45.1362% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.1245% | 3,735 |
| Efficiency ratio | 83.0053% | 1,494 |
| Assets per employee ($millions) | 3.0271% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 1,350 |
| Loan loss allowance to noncurrent loans | 60.7072% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.7149% | 922 |
| Noncurrent loans to loans | 3.2126% | 786 |
| Net loans and leases to total assets | 65.0603% | 3,017 |
| Net loans and leases to deposits | 76.9886% | 3,071 |
| Net loans and leases to core deposits | 79.3344% | 3,396 |
| Total domestic deposits to total assets | 84.5064% | 3,546 |
| Equity capital to assets | 9.1592% | 5,201 |
| Core capital (leverage) ratio | 9.0199% | 5,050 |
| Tier 1 risk-based capital ratio | 12.8157% | 4,967 |
| Total risk-based capital ratio | 14.1393% | 4,841 |
| Memoranda: | ||
| Average total assets | $331,917,250 | 1,964 |
| Average earning assets | $291,679,000 | 2,069 |
| Average equity | $29,325,750 | 2,326 |
| Average total loans | $215,150,750 | 1,948 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,069 |
| Cost of funding earning assets | 0.9121% | 401 |
| Net interest margin | 3.5157% | 3,715 |
| Noninterest income to average assets | 0.6858% | 2,352 |
| Noninterest expense to average assets | 3.1360% | 2,370 |
| Loan and lease loss provision to assets | 0.0519% | 3,265 |
| Net operating income to assets | 0.4267% | 5,105 |
| Return on assets (ROA) | 0.4910% | 4,918 |
| Pretax return on assets | 0.6677% | 4,742 |
| Return on Equity (ROE) | 5.6264% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.6264% | 2,561 |
| Net charge-offs to loans | 0.3724% | 1,091 |
| Credit loss provision to net charge-offs | 21.6625% | 3,181 |
| Earnings coverage of net charge-offs (x) | 2.6423% | 3,506 |
| Efficiency ratio | 83.2106% | 1,602 |
| Assets per employee ($millions) | 2.9964% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 1,403 |
| Loan loss allowance to noncurrent loans | 45.8883% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 3.4399% | 687 |
| Noncurrent loans to loans | 4.3109% | 522 |
| Net loans and leases to total assets | 64.3447% | 3,023 |
| Net loans and leases to deposits | 76.1046% | 3,042 |
| Net loans and leases to core deposits | 78.5060% | 3,377 |
| Total domestic deposits to total assets | 84.5476% | 3,702 |
| Equity capital to assets | 9.0877% | 5,211 |
| Core capital (leverage) ratio | 8.8286% | 5,251 |
| Tier 1 risk-based capital ratio | 12.5517% | 5,192 |
| Total risk-based capital ratio | 13.9079% | 5,050 |
| Memoranda: | ||
| Average total assets | $331,564,000 | 1,969 |
| Average earning assets | $290,754,330 | 2,068 |
| Average equity | $28,935,000 | 2,349 |
| Average total loans | $213,219,330 | 1,958 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,781 |
| Cost of funding earning assets | 0.9208% | 407 |
| Net interest margin | 3.5913% | 3,287 |
| Noninterest income to average assets | 0.6555% | 2,428 |
| Noninterest expense to average assets | 3.0805% | 2,588 |
| Loan and lease loss provision to assets | 0.0541% | 3,032 |
| Net operating income to assets | 0.4921% | 4,727 |
| Return on assets (ROA) | 0.4992% | 4,779 |
| Pretax return on assets | 0.6784% | 4,558 |
| Return on Equity (ROE) | 5.8397% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.8397% | 2,630 |
| Net charge-offs to loans | 0.4328% | 842 |
| Credit loss provision to net charge-offs | 19.6507% | 2,505 |
| Earnings coverage of net charge-offs (x) | 2.6245% | 2,835 |
| Efficiency ratio | 80.9930% | 2,052 |
| Assets per employee ($millions) | 3.0639% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 1,361 |
| Loan loss allowance to noncurrent loans | 44.4882% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 3.5686% | 728 |
| Noncurrent loans to loans | 4.6815% | 501 |
| Net loans and leases to total assets | 62.0405% | 3,234 |
| Net loans and leases to deposits | 72.9905% | 3,202 |
| Net loans and leases to core deposits | 75.1732% | 3,509 |
| Total domestic deposits to total assets | 84.9981% | 3,870 |
| Equity capital to assets | 8.6902% | 5,451 |
| Core capital (leverage) ratio | 8.6663% | 5,432 |
| Tier 1 risk-based capital ratio | 12.6697% | 5,208 |
| Total risk-based capital ratio | 14.0293% | 5,074 |
| Memoranda: | ||
| Average total assets | $332,546,000 | 1,973 |
| Average earning assets | $291,482,500 | 2,066 |
| Average equity | $28,426,000 | 2,372 |
| Average total loans | $211,649,000 | 1,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,344 |
| Cost of funding earning assets | 1.0385% | 377 |
| Net interest margin | 3.4259% | 4,181 |
| Noninterest income to average assets | 0.5379% | 3,493 |
| Noninterest expense to average assets | 3.2044% | 2,405 |
| Loan and lease loss provision to assets | 0.3730% | 831 |
| Net operating income to assets | 0.0111% | 6,194 |
| Return on assets (ROA) | 0.0384% | 6,196 |
| Pretax return on assets | -0.0118% | 6,242 |
| Return on Equity (ROE) | 0.4479% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.4479% | 5,647 |
| Net charge-offs to loans | 0.7672% | 819 |
| Credit loss provision to net charge-offs | 77.1107% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.6585% | 4,866 |
| Efficiency ratio | 90.9575% | 955 |
| Assets per employee ($millions) | 3.0379% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 1,221 |
| Loan loss allowance to noncurrent loans | 38.4474% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 4.2696% | 602 |
| Noncurrent loans to loans | 5.6406% | 389 |
| Net loans and leases to total assets | 62.5459% | 3,289 |
| Net loans and leases to deposits | 73.3397% | 3,352 |
| Net loans and leases to core deposits | 75.6633% | 3,652 |
| Total domestic deposits to total assets | 85.2824% | 3,604 |
| Equity capital to assets | 8.4046% | 5,691 |
| Core capital (leverage) ratio | 8.4876% | 5,689 |
| Tier 1 risk-based capital ratio | 12.4546% | 5,313 |
| Total risk-based capital ratio | 13.7975% | 5,215 |
| Memoranda: | ||
| Average total assets | $330,550,200 | 1,951 |
| Average earning assets | $288,012,000 | 2,059 |
| Average equity | $28,356,400 | 2,351 |
| Average total loans | $208,407,400 | 1,939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 2,274 |
| Cost of funding earning assets | 1.0597% | 376 |
| Net interest margin | 3.4300% | 4,166 |
| Noninterest income to average assets | 0.7098% | 2,552 |
| Noninterest expense to average assets | 3.0487% | 2,821 |
| Loan and lease loss provision to assets | 0.3523% | 907 |
| Net operating income to assets | 0.2353% | 5,823 |
| Return on assets (ROA) | 0.2801% | 5,789 |
| Pretax return on assets | 0.3474% | 5,751 |
| Return on Equity (ROE) | 3.2481% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.2481% | 4,364 |
| Net charge-offs to loans | 0.7830% | 755 |
| Credit loss provision to net charge-offs | 71.6161% | 3,039 |
| Earnings coverage of net charge-offs (x) | 1.3101% | 4,402 |
| Efficiency ratio | 82.5503% | 1,752 |
| Assets per employee ($millions) | 2.9510% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 1,343 |
| Loan loss allowance to noncurrent loans | 38.6732% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 4.5985% | 643 |
| Noncurrent loans to loans | 5.6658% | 471 |
| Net loans and leases to total assets | 62.8357% | 3,197 |
| Net loans and leases to deposits | 73.8035% | 3,260 |
| Net loans and leases to core deposits | 75.8281% | 3,635 |
| Total domestic deposits to total assets | 85.1391% | 3,669 |
| Equity capital to assets | 8.4579% | 5,780 |
| Core capital (leverage) ratio | 8.7578% | 5,466 |
| Tier 1 risk-based capital ratio | 12.6813% | 5,340 |
| Total risk-based capital ratio | 13.9896% | 5,241 |
| Memoranda: | ||
| Average total assets | $330,405,750 | 1,961 |
| Average earning assets | $287,377,250 | 2,074 |
| Average equity | $28,488,000 | 2,374 |
| Average total loans | $207,584,750 | 1,951 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,269 |
| Cost of funding earning assets | 1.0748% | 374 |
| Net interest margin | 3.4068% | 4,167 |
| Noninterest income to average assets | 0.7454% | 2,436 |
| Noninterest expense to average assets | 3.0481% | 2,845 |
| Loan and lease loss provision to assets | 0.4195% | 721 |
| Net operating income to assets | 0.2000% | 5,888 |
| Return on assets (ROA) | 0.2535% | 5,895 |
| Pretax return on assets | 0.2939% | 5,891 |
| Return on Equity (ROE) | 2.9218% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.9218% | 4,451 |
| Net charge-offs to loans | 0.8208% | 769 |
| Credit loss provision to net charge-offs | 81.9575% | 2,591 |
| Earnings coverage of net charge-offs (x) | 1.2724% | 4,117 |
| Efficiency ratio | 82.3952% | 1,837 |
| Assets per employee ($millions) | 2.9023% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 1,254 |
| Loan loss allowance to noncurrent loans | 37.8208% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 4.8216% | 646 |
| Noncurrent loans to loans | 6.0968% | 452 |
| Net loans and leases to total assets | 62.6143% | 3,178 |
| Net loans and leases to deposits | 73.7357% | 3,196 |
| Net loans and leases to core deposits | 75.9844% | 3,544 |
| Total domestic deposits to total assets | 84.9172% | 3,926 |
| Equity capital to assets | 8.7018% | 5,546 |
| Core capital (leverage) ratio | 8.6391% | 5,505 |
| Tier 1 risk-based capital ratio | 12.5974% | 5,437 |
| Total risk-based capital ratio | 13.9025% | 5,331 |
| Memoranda: | ||
| Average total assets | $331,353,000 | 1,959 |
| Average earning assets | $287,305,330 | 2,081 |
| Average equity | $28,749,000 | 2,363 |
| Average total loans | $206,633,670 | 1,963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,711 |
| Cost of funding earning assets | 1.0887% | 395 |
| Net interest margin | 3.2564% | 4,703 |
| Noninterest income to average assets | 0.6900% | 2,649 |
| Noninterest expense to average assets | 2.9632% | 3,105 |
| Loan and lease loss provision to assets | 0.5130% | 520 |
| Net operating income to assets | 0.0646% | 6,218 |
| Return on assets (ROA) | 0.0646% | 6,304 |
| Pretax return on assets | 0.0143% | 6,387 |
| Return on Equity (ROE) | 0.7453% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.7453% | 5,532 |
| Net charge-offs to loans | 0.6006% | 1,015 |
| Credit loss provision to net charge-offs | 138.8350% | 1,443 |
| Earnings coverage of net charge-offs (x) | 1.4272% | 3,358 |
| Efficiency ratio | 84.8921% | 1,651 |
| Assets per employee ($millions) | 2.9469% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4627% | 1,160 |
| Loan loss allowance to noncurrent loans | 35.1690% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 5.1604% | 691 |
| Noncurrent loans to loans | 7.0025% | 421 |
| Net loans and leases to total assets | 60.3841% | 3,364 |
| Net loans and leases to deposits | 71.0871% | 3,314 |
| Net loans and leases to core deposits | 73.0492% | 3,698 |
| Total domestic deposits to total assets | 84.9438% | 4,070 |
| Equity capital to assets | 8.7348% | 5,780 |
| Core capital (leverage) ratio | 8.4206% | 5,681 |
| Tier 1 risk-based capital ratio | 12.5938% | 5,520 |
| Total risk-based capital ratio | 13.8797% | 5,445 |
| Memoranda: | ||
| Average total assets | $334,499,500 | 1,963 |
| Average earning assets | $287,680,500 | 2,103 |
| Average equity | $28,980,500 | 2,379 |
| Average total loans | $205,781,500 | 1,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 3,353 |
| Cost of funding earning assets | 1.1943% | 598 |
| Net interest margin | 3.3163% | 5,197 |
| Noninterest income to average assets | 0.6591% | 2,944 |
| Noninterest expense to average assets | 3.7298% | 1,362 |
| Loan and lease loss provision to assets | 0.4533% | 1,387 |
| Net operating income to assets | -0.3449% | 6,477 |
| Return on assets (ROA) | -0.0006% | 6,306 |
| Pretax return on assets | -0.0620% | 6,336 |
| Return on Equity (ROE) | -0.0072% | 6,307 |
| Retained earnings to average equity (ytd only) | -0.0072% | 5,839 |
| Net charge-offs to loans | 0.7272% | 1,614 |
| Credit loss provision to net charge-offs | 100.9823% | 3,000 |
| Earnings coverage of net charge-offs (x) | -0.3268% | 5,623 |
| Efficiency ratio | 104.0942% | 441 |
| Assets per employee ($millions) | 3.0000% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4133% | 1,211 |
| Loan loss allowance to noncurrent loans | 33.7532% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.1887% | 734 |
| Noncurrent loans to loans | 7.1497% | 439 |
| Net loans and leases to total assets | 59.6579% | 3,661 |
| Net loans and leases to deposits | 70.0225% | 3,710 |
| Net loans and leases to core deposits | 72.1144% | 4,032 |
| Total domestic deposits to total assets | 85.1982% | 3,769 |
| Equity capital to assets | 8.5935% | 5,972 |
| Core capital (leverage) ratio | 8.3254% | 5,861 |
| Tier 1 risk-based capital ratio | 12.5122% | 5,468 |
| Total risk-based capital ratio | 13.7746% | 5,413 |
| Memoranda: | ||
| Average total assets | $340,154,000 | 1,904 |
| Average earning assets | $299,914,400 | 1,972 |
| Average equity | $27,939,800 | 2,397 |
| Average total loans | $209,969,600 | 1,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 3,512 |
| Cost of funding earning assets | 1.2133% | 653 |
| Net interest margin | 3.3189% | 5,317 |
| Noninterest income to average assets | 0.6151% | 3,188 |
| Noninterest expense to average assets | 3.4396% | 1,897 |
| Loan and lease loss provision to assets | 0.5541% | 1,040 |
| Net operating income to assets | -0.4224% | 6,657 |
| Return on assets (ROA) | 0.1438% | 6,197 |
| Pretax return on assets | 0.1250% | 6,236 |
| Return on Equity (ROE) | 1.7709% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.7709% | 5,442 |
| Net charge-offs to loans | 0.8116% | 1,347 |
| Credit loss provision to net charge-offs | 110.3502% | 2,657 |
| Earnings coverage of net charge-offs (x) | 0.2249% | 5,213 |
| Efficiency ratio | 96.8210% | 645 |
| Assets per employee ($millions) | 2.9722% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4558% | 1,262 |
| Loan loss allowance to noncurrent loans | 31.6199% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 5.6066% | 751 |
| Noncurrent loans to loans | 7.7666% | 420 |
| Net loans and leases to total assets | 60.0193% | 3,783 |
| Net loans and leases to deposits | 70.2111% | 3,868 |
| Net loans and leases to core deposits | 72.1846% | 4,226 |
| Total domestic deposits to total assets | 85.4840% | 3,514 |
| Equity capital to assets | 8.2601% | 6,451 |
| Core capital (leverage) ratio | 8.6748% | 5,510 |
| Tier 1 risk-based capital ratio | 13.1296% | 5,146 |
| Total risk-based capital ratio | 14.3926% | 5,101 |
| Memoranda: | ||
| Average total assets | $341,192,750 | 1,910 |
| Average earning assets | $301,979,500 | 1,972 |
| Average equity | $27,706,250 | 2,439 |
| Average total loans | $211,110,250 | 1,938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 3,635 |
| Cost of funding earning assets | 1.2290% | 718 |
| Net interest margin | 3.3030% | 5,434 |
| Noninterest income to average assets | 0.5925% | 3,298 |
| Noninterest expense to average assets | 3.4073% | 2,016 |
| Loan and lease loss provision to assets | 0.6158% | 950 |
| Net operating income to assets | -0.4755% | 6,720 |
| Return on assets (ROA) | 0.2187% | 6,049 |
| Pretax return on assets | 0.2292% | 6,099 |
| Return on Equity (ROE) | 2.7081% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,821 |
| Net charge-offs to loans | 0.8429% | 1,313 |
| Credit loss provision to net charge-offs | 117.8571% | 2,338 |
| Earnings coverage of net charge-offs (x) | 0.2188% | 4,961 |
| Efficiency ratio | 96.7544% | 676 |
| Assets per employee ($millions) | 2.9253% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4663% | 1,329 |
| Loan loss allowance to noncurrent loans | 26.6493% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 6.4947% | 630 |
| Noncurrent loans to loans | 9.2546% | 314 |
| Net loans and leases to total assets | 59.4596% | 3,919 |
| Net loans and leases to deposits | 69.3696% | 3,985 |
| Net loans and leases to core deposits | 71.4702% | 4,361 |
| Total domestic deposits to total assets | 85.7142% | 3,502 |
| Equity capital to assets | 8.1783% | 6,474 |
| Core capital (leverage) ratio | 8.6169% | 5,493 |
| Tier 1 risk-based capital ratio | 13.3365% | 4,940 |
| Total risk-based capital ratio | 14.6045% | 4,890 |
| Memoranda: | ||
| Average total assets | $342,971,330 | 1,904 |
| Average earning assets | $304,146,330 | 1,955 |
| Average equity | $27,694,330 | 2,424 |
| Average total loans | $212,595,670 | 1,926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 4,261 |
| Cost of funding earning assets | 1.2503% | 775 |
| Net interest margin | 3.1663% | 5,860 |
| Noninterest income to average assets | 0.5012% | 3,901 |
| Noninterest expense to average assets | 3.4096% | 1,984 |
| Loan and lease loss provision to assets | 0.3666% | 1,721 |
| Net operating income to assets | -0.3425% | 6,728 |
| Return on assets (ROA) | 0.6242% | 4,449 |
| Pretax return on assets | 0.8399% | 4,266 |
| Return on Equity (ROE) | 7.7786% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.7786% | 2,060 |
| Net charge-offs to loans | 0.4753% | 1,902 |
| Credit loss provision to net charge-offs | 123.4375% | 1,937 |
| Earnings coverage of net charge-offs (x) | -0.3359% | 4,478 |
| Efficiency ratio | 103.0144% | 472 |
| Assets per employee ($millions) | 2.8411% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 1,572 |
| Loan loss allowance to noncurrent loans | 23.5955% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 6.9877% | 620 |
| Noncurrent loans to loans | 10.0114% | 304 |
| Net loans and leases to total assets | 60.1401% | 3,636 |
| Net loans and leases to deposits | 70.0511% | 3,732 |
| Net loans and leases to core deposits | 72.3566% | 4,093 |
| Total domestic deposits to total assets | 85.8518% | 3,616 |
| Equity capital to assets | 8.0265% | 6,507 |
| Core capital (leverage) ratio | 8.5672% | 5,483 |
| Tier 1 risk-based capital ratio | 13.0664% | 5,160 |
| Total risk-based capital ratio | 14.3288% | 5,114 |
| Memoranda: | ||
| Average total assets | $344,788,000 | 1,905 |
| Average earning assets | $305,847,500 | 1,947 |
| Average equity | $27,665,500 | 2,414 |
| Average total loans | $215,458,000 | 1,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 3,579 |
| Cost of funding earning assets | 1.5345% | 625 |
| Net interest margin | 3.3171% | 5,759 |
| Noninterest income to average assets | 0.5195% | 3,720 |
| Noninterest expense to average assets | 3.0233% | 3,504 |
| Loan and lease loss provision to assets | 1.3344% | 600 |
| Net operating income to assets | -0.5258% | 6,508 |
| Return on assets (ROA) | -0.4180% | 6,480 |
| Pretax return on assets | -0.7357% | 6,615 |
| Return on Equity (ROE) | -5.1618% | 6,536 |
| Retained earnings to average equity (ytd only) | -5.1618% | 6,458 |
| Net charge-offs to loans | 1.8597% | 778 |
| Credit loss provision to net charge-offs | 109.1220% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.3519% | 5,559 |
| Efficiency ratio | 87.5404% | 1,395 |
| Assets per employee ($millions) | 2.8579% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2549% | 1,699 |
| Loan loss allowance to noncurrent loans | 21.3542% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 7.6619% | 558 |
| Noncurrent loans to loans | 10.5595% | 284 |
| Net loans and leases to total assets | 61.9505% | 3,610 |
| Net loans and leases to deposits | 72.0640% | 3,782 |
| Net loans and leases to core deposits | 74.5479% | 4,168 |
| Total domestic deposits to total assets | 85.9660% | 3,340 |
| Equity capital to assets | 8.0214% | 6,562 |
| Core capital (leverage) ratio | 8.2650% | 5,899 |
| Tier 1 risk-based capital ratio | 12.8492% | 5,197 |
| Total risk-based capital ratio | 14.1106% | 5,164 |
| Memoranda: | ||
| Average total assets | $358,584,600 | 1,807 |
| Average earning assets | $317,176,200 | 1,856 |
| Average equity | $29,040,000 | 2,270 |
| Average total loans | $235,789,600 | 1,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 3,470 |
| Cost of funding earning assets | 1.5989% | 585 |
| Net interest margin | 3.3212% | 5,801 |
| Noninterest income to average assets | 0.4673% | 4,151 |
| Noninterest expense to average assets | 2.9535% | 3,731 |
| Loan and lease loss provision to assets | 1.5257% | 442 |
| Net operating income to assets | -0.6191% | 6,708 |
| Return on assets (ROA) | -0.4990% | 6,685 |
| Pretax return on assets | -0.8871% | 6,826 |
| Return on Equity (ROE) | -6.1477% | 6,728 |
| Retained earnings to average equity (ytd only) | -6.1477% | 6,655 |
| Net charge-offs to loans | 1.9804% | 645 |
| Credit loss provision to net charge-offs | 116.1616% | 2,815 |
| Earnings coverage of net charge-offs (x) | 0.3434% | 5,353 |
| Efficiency ratio | 86.7504% | 1,456 |
| Assets per employee ($millions) | 2.9374% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2596% | 1,753 |
| Loan loss allowance to noncurrent loans | 23.6168% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 7.2734% | 658 |
| Noncurrent loans to loans | 9.5676% | 381 |
| Net loans and leases to total assets | 62.2871% | 3,649 |
| Net loans and leases to deposits | 72.5431% | 3,882 |
| Net loans and leases to core deposits | 75.0236% | 4,319 |
| Total domestic deposits to total assets | 85.8622% | 3,294 |
| Equity capital to assets | 8.2013% | 6,564 |
| Core capital (leverage) ratio | 8.3694% | 5,900 |
| Tier 1 risk-based capital ratio | 12.5724% | 5,430 |
| Total risk-based capital ratio | 13.8391% | 5,396 |
| Memoranda: | ||
| Average total assets | $361,780,250 | 1,808 |
| Average earning assets | $319,954,750 | 1,851 |
| Average equity | $29,365,500 | 2,239 |
| Average total loans | $239,945,000 | 1,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 3,164 |
| Cost of funding earning assets | 1.6019% | 687 |
| Net interest margin | 3.3967% | 5,567 |
| Noninterest income to average assets | 0.5666% | 3,358 |
| Noninterest expense to average assets | 2.9135% | 3,972 |
| Loan and lease loss provision to assets | 1.4471% | 496 |
| Net operating income to assets | -0.4246% | 6,635 |
| Return on assets (ROA) | -0.3314% | 6,598 |
| Pretax return on assets | -0.6370% | 6,726 |
| Return on Equity (ROE) | -4.0968% | 6,652 |
| Retained earnings to average equity (ytd only) | -4.0968% | 6,480 |
| Net charge-offs to loans | 1.8631% | 733 |
| Credit loss provision to net charge-offs | 115.6346% | 2,646 |
| Earnings coverage of net charge-offs (x) | 0.5310% | 4,910 |
| Efficiency ratio | 81.4286% | 2,182 |
| Assets per employee ($millions) | 3.0070% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 2,192 |
| Loan loss allowance to noncurrent loans | 26.4000% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 6.4749% | 826 |
| Noncurrent loans to loans | 7.8267% | 595 |
| Net loans and leases to total assets | 64.8776% | 3,278 |
| Net loans and leases to deposits | 76.7370% | 3,332 |
| Net loans and leases to core deposits | 79.2276% | 3,895 |
| Total domestic deposits to total assets | 84.5454% | 4,101 |
| Equity capital to assets | 8.2296% | 6,492 |
| Core capital (leverage) ratio | 8.3286% | 5,821 |
| Tier 1 risk-based capital ratio | 12.5309% | 5,316 |
| Total risk-based capital ratio | 13.8018% | 5,273 |
| Memoranda: | ||
| Average total assets | $363,897,000 | 1,799 |
| Average earning assets | $322,607,670 | 1,848 |
| Average equity | $29,437,330 | 2,212 |
| Average total loans | $244,425,000 | 1,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 2,451 |
| Cost of funding earning assets | 1.6552% | 664 |
| Net interest margin | 3.4907% | 5,053 |
| Noninterest income to average assets | 0.5592% | 3,439 |
| Noninterest expense to average assets | 2.8986% | 4,061 |
| Loan and lease loss provision to assets | 1.4237% | 460 |
| Net operating income to assets | -0.3448% | 6,700 |
| Return on assets (ROA) | -0.2834% | 6,660 |
| Pretax return on assets | -0.5636% | 6,788 |
| Return on Equity (ROE) | -3.5336% | 6,712 |
| Retained earnings to average equity (ytd only) | -3.5336% | 6,368 |
| Net charge-offs to loans | 1.5525% | 871 |
| Credit loss provision to net charge-offs | 135.6179% | 2,053 |
| Earnings coverage of net charge-offs (x) | 0.7279% | 4,087 |
| Efficiency ratio | 79.1369% | 2,673 |
| Assets per employee ($millions) | 3.1036% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,397 |
| Loan loss allowance to noncurrent loans | 32.8205% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 5.4267% | 1,124 |
| Noncurrent loans to loans | 6.1208% | 1,022 |
| Net loans and leases to total assets | 65.0649% | 3,226 |
| Net loans and leases to deposits | 76.6765% | 3,302 |
| Net loans and leases to core deposits | 79.3129% | 3,845 |
| Total domestic deposits to total assets | 84.8564% | 4,107 |
| Equity capital to assets | 8.0210% | 6,473 |
| Core capital (leverage) ratio | 8.3287% | 5,753 |
| Tier 1 risk-based capital ratio | 12.5796% | 5,189 |
| Total risk-based capital ratio | 13.8423% | 5,152 |
| Memoranda: | ||
| Average total assets | $366,931,000 | 1,796 |
| Average earning assets | $326,238,500 | 1,836 |
| Average equity | $29,432,000 | 2,209 |
| Average total loans | $248,113,000 | 1,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 1,929 |
| Cost of funding earning assets | 1.9831% | 641 |
| Net interest margin | 3.6091% | 4,776 |
| Noninterest income to average assets | 0.6501% | 3,154 |
| Noninterest expense to average assets | 2.8826% | 4,307 |
| Loan and lease loss provision to assets | 0.6799% | 2,423 |
| Net operating income to assets | 0.2347% | 5,159 |
| Return on assets (ROA) | 0.3576% | 4,875 |
| Pretax return on assets | 0.4513% | 4,793 |
| Return on Equity (ROE) | 4.4093% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,406 |
| Net charge-offs to loans | 0.5779% | 3,312 |
| Credit loss provision to net charge-offs | 164.8063% | 2,090 |
| Earnings coverage of net charge-offs (x) | 2.3651% | 3,960 |
| Efficiency ratio | 74.7122% | 3,253 |
| Assets per employee ($millions) | 3.1155% | 5,847 |
| Cash dividends to net income (ytd only)* | 52.1212% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 2,879 |
| Loan loss allowance to noncurrent loans | 27.2858% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 5.4138% | 1,143 |
| Noncurrent loans to loans | 6.5780% | 902 |
| Net loans and leases to total assets | 67.5979% | 3,076 |
| Net loans and leases to deposits | 79.6322% | 3,239 |
| Net loans and leases to core deposits | 82.4283% | 3,836 |
| Total domestic deposits to total assets | 84.8877% | 3,912 |
| Equity capital to assets | 8.0213% | 6,478 |
| Core capital (leverage) ratio | 8.2941% | 5,696 |
| Tier 1 risk-based capital ratio | 12.3737% | 5,140 |
| Total risk-based capital ratio | 13.6310% | 5,103 |
| Memoranda: | ||
| Average total assets | $369,176,000 | 1,782 |
| Average earning assets | $328,171,200 | 1,815 |
| Average equity | $29,936,800 | 2,180 |
| Average total loans | $263,555,400 | 1,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 1,776 |
| Cost of funding earning assets | 2.0426% | 656 |
| Net interest margin | 3.6386% | 4,682 |
| Noninterest income to average assets | 0.6310% | 3,247 |
| Noninterest expense to average assets | 2.8761% | 4,176 |
| Loan and lease loss provision to assets | 0.5639% | 2,689 |
| Net operating income to assets | 0.3469% | 4,986 |
| Return on assets (ROA) | 0.4070% | 4,896 |
| Pretax return on assets | 0.4975% | 4,935 |
| Return on Equity (ROE) | 5.0051% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.7155% | 4,526 |
| Net charge-offs to loans | 0.4368% | 3,551 |
| Credit loss provision to net charge-offs | 179.2431% | 2,053 |
| Earnings coverage of net charge-offs (x) | 3.1410% | 3,572 |
| Efficiency ratio | 74.4282% | 3,237 |
| Assets per employee ($millions) | 3.1470% | 5,810 |
| Cash dividends to net income (ytd only)* | 45.7446% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 3,435 |
| Loan loss allowance to noncurrent loans | 24.7971% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 5.3887% | 1,159 |
| Noncurrent loans to loans | 6.5432% | 911 |
| Net loans and leases to total assets | 68.7455% | 3,045 |
| Net loans and leases to deposits | 81.0827% | 3,251 |
| Net loans and leases to core deposits | 83.9913% | 3,937 |
| Total domestic deposits to total assets | 84.7844% | 3,734 |
| Equity capital to assets | 8.1674% | 6,651 |
| Core capital (leverage) ratio | 8.3189% | 5,832 |
| Tier 1 risk-based capital ratio | 12.0350% | 5,428 |
| Total risk-based capital ratio | 13.2900% | 5,392 |
| Memoranda: | ||
| Average total assets | $369,561,500 | 1,798 |
| Average earning assets | $328,399,750 | 1,842 |
| Average equity | $30,048,750 | 2,193 |
| Average total loans | $266,180,500 | 1,683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 1,641 |
| Cost of funding earning assets | 2.0835% | 703 |
| Net interest margin | 3.6487% | 4,584 |
| Noninterest income to average assets | 0.5267% | 3,904 |
| Noninterest expense to average assets | 2.9034% | 4,062 |
| Loan and lease loss provision to assets | 0.4621% | 3,007 |
| Net operating income to assets | 0.3444% | 4,994 |
| Return on assets (ROA) | 0.3599% | 5,089 |
| Pretax return on assets | 0.4169% | 5,172 |
| Return on Equity (ROE) | 4.4326% | 4,581 |
| Retained earnings to average equity (ytd only) | 2.1293% | 4,790 |
| Net charge-offs to loans | 0.3840% | 3,441 |
| Credit loss provision to net charge-offs | 165.3696% | 2,380 |
| Earnings coverage of net charge-offs (x) | 3.0817% | 3,463 |
| Efficiency ratio | 77.1264% | 2,876 |
| Assets per employee ($millions) | 3.0809% | 5,979 |
| Cash dividends to net income (ytd only)* | 51.9637% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 4,114 |
| Loan loss allowance to noncurrent loans | 22.9179% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 5.4745% | 1,129 |
| Noncurrent loans to loans | 6.3756% | 956 |
| Net loans and leases to total assets | 71.5735% | 2,521 |
| Net loans and leases to deposits | 84.5059% | 2,792 |
| Net loans and leases to core deposits | 87.8429% | 3,567 |
| Total domestic deposits to total assets | 84.6964% | 3,772 |
| Equity capital to assets | 8.2463% | 6,485 |
| Core capital (leverage) ratio | 8.2880% | 5,794 |
| Tier 1 risk-based capital ratio | 11.8251% | 5,462 |
| Total risk-based capital ratio | 13.0785% | 5,433 |
| Memoranda: | ||
| Average total assets | $367,918,670 | 1,820 |
| Average earning assets | $326,476,330 | 1,862 |
| Average equity | $29,869,670 | 2,198 |
| Average total loans | $267,677,000 | 1,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7910% | 1,493 |
| Cost of funding earning assets | 2.1111% | 786 |
| Net interest margin | 3.6798% | 4,351 |
| Noninterest income to average assets | 0.5133% | 3,946 |
| Noninterest expense to average assets | 2.8901% | 4,100 |
| Loan and lease loss provision to assets | 0.3115% | 3,551 |
| Net operating income to assets | 0.4597% | 4,574 |
| Return on assets (ROA) | 0.4906% | 4,574 |
| Pretax return on assets | 0.6197% | 4,529 |
| Return on Equity (ROE) | 6.0900% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.7726% | 3,881 |
| Net charge-offs to loans | 0.1446% | 4,066 |
| Credit loss provision to net charge-offs | 295.8763% | 1,341 |
| Earnings coverage of net charge-offs (x) | 8.4742% | 1,958 |
| Efficiency ratio | 76.4132% | 3,146 |
| Assets per employee ($millions) | 3.0933% | 6,012 |
| Cash dividends to net income (ytd only)* | 38.0531% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,402 |
| Loan loss allowance to noncurrent loans | 23.0817% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 5.1646% | 1,227 |
| Noncurrent loans to loans | 6.0860% | 1,074 |
| Net loans and leases to total assets | 71.4070% | 2,588 |
| Net loans and leases to deposits | 84.2822% | 2,895 |
| Net loans and leases to core deposits | 87.5793% | 3,669 |
| Total domestic deposits to total assets | 84.7238% | 3,794 |
| Equity capital to assets | 8.1249% | 6,513 |
| Core capital (leverage) ratio | 8.3114% | 5,720 |
| Tier 1 risk-based capital ratio | 11.8300% | 5,366 |
| Total risk-based capital ratio | 13.0827% | 5,308 |
| Memoranda: | ||
| Average total assets | $368,565,000 | 1,862 |
| Average earning assets | $327,406,500 | 1,908 |
| Average equity | $29,688,000 | 2,236 |
| Average total loans | $268,366,500 | 1,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 1,580 |
| Cost of funding earning assets | 2.5719% | 846 |
| Net interest margin | 3.5064% | 4,926 |
| Noninterest income to average assets | 0.5347% | 4,143 |
| Noninterest expense to average assets | 2.9840% | 4,213 |
| Loan and lease loss provision to assets | 0.4053% | 4,387 |
| Net operating income to assets | 0.2267% | 4,813 |
| Return on assets (ROA) | 0.2781% | 4,709 |
| Pretax return on assets | 0.3251% | 4,699 |
| Return on Equity (ROE) | 3.6126% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.3978% | 3,450 |
| Net charge-offs to loans | 0.4798% | 3,863 |
| Credit loss provision to net charge-offs | 115.0463% | 4,744 |
| Earnings coverage of net charge-offs (x) | 1.9035% | 4,297 |
| Efficiency ratio | 81.6498% | 2,650 |
| Assets per employee ($millions) | 3.1011% | 5,991 |
| Cash dividends to net income (ytd only)* | 33.6266% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,669 |
| Loan loss allowance to noncurrent loans | 23.2019% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 4.9132% | 1,263 |
| Noncurrent loans to loans | 5.6719% | 1,126 |
| Net loans and leases to total assets | 72.2390% | 2,694 |
| Net loans and leases to deposits | 85.0250% | 3,079 |
| Net loans and leases to core deposits | 114.6460% | 2,448 |
| Total domestic deposits to total assets | 84.9622% | 3,565 |
| Equity capital to assets | 7.9853% | 6,600 |
| Core capital (leverage) ratio | 8.1666% | 5,872 |
| Tier 1 risk-based capital ratio | 11.5563% | 5,339 |
| Total risk-based capital ratio | 12.8075% | 5,298 |
| Memoranda: | ||
| Average total assets | $367,858,200 | 1,847 |
| Average earning assets | $327,312,800 | 1,903 |
| Average equity | $28,317,600 | 2,346 |
| Average total loans | $270,104,400 | 1,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1177% | 1,586 |
| Cost of funding earning assets | 2.6634% | 878 |
| Net interest margin | 3.4543% | 5,054 |
| Noninterest income to average assets | 0.5133% | 4,379 |
| Noninterest expense to average assets | 2.9433% | 4,261 |
| Loan and lease loss provision to assets | 0.3127% | 4,473 |
| Net operating income to assets | 0.2833% | 4,845 |
| Return on assets (ROA) | 0.3344% | 4,758 |
| Pretax return on assets | 0.3925% | 4,816 |
| Return on Equity (ROE) | 4.3857% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.5675% | 3,298 |
| Net charge-offs to loans | 0.4235% | 3,565 |
| Credit loss provision to net charge-offs | 100.4662% | 5,050 |
| Earnings coverage of net charge-offs (x) | 2.0723% | 4,268 |
| Efficiency ratio | 82.0259% | 2,580 |
| Assets per employee ($millions) | 3.0564% | 6,021 |
| Cash dividends to net income (ytd only)* | 18.6553% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,886 |
| Loan loss allowance to noncurrent loans | 25.2951% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 4.4379% | 1,384 |
| Noncurrent loans to loans | 4.9141% | 1,368 |
| Net loans and leases to total assets | 72.8692% | 2,831 |
| Net loans and leases to deposits | 85.7943% | 3,355 |
| Net loans and leases to core deposits | 114.5017% | 2,780 |
| Total domestic deposits to total assets | 84.9347% | 3,270 |
| Equity capital to assets | 7.7994% | 7,043 |
| Core capital (leverage) ratio | 8.2679% | 5,886 |
| Tier 1 risk-based capital ratio | 11.7551% | 5,196 |
| Total risk-based capital ratio | 13.0095% | 5,135 |
| Memoranda: | ||
| Average total assets | $367,565,500 | 1,865 |
| Average earning assets | $327,196,500 | 1,914 |
| Average equity | $28,030,000 | 2,391 |
| Average total loans | $270,096,000 | 1,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 1,708 |
| Cost of funding earning assets | 2.7576% | 885 |
| Net interest margin | 3.3680% | 5,290 |
| Noninterest income to average assets | 0.5046% | 4,406 |
| Noninterest expense to average assets | 2.9291% | 4,388 |
| Loan and lease loss provision to assets | 0.3165% | 4,048 |
| Net operating income to assets | 0.2262% | 5,173 |
| Return on assets (ROA) | 0.3056% | 4,984 |
| Pretax return on assets | 0.3453% | 5,082 |
| Return on Equity (ROE) | 4.0376% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.0376% | 3,040 |
| Net charge-offs to loans | 0.4387% | 3,055 |
| Credit loss provision to net charge-offs | 98.3108% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.7787% | 4,223 |
| Efficiency ratio | 83.6491% | 2,517 |
| Assets per employee ($millions) | 3.0505% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 4,694 |
| Loan loss allowance to noncurrent loans | 29.8521% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 3.9351% | 1,524 |
| Noncurrent loans to loans | 4.1432% | 1,606 |
| Net loans and leases to total assets | 73.6898% | 2,791 |
| Net loans and leases to deposits | 86.6149% | 3,435 |
| Net loans and leases to core deposits | 115.9672% | 2,716 |
| Total domestic deposits to total assets | 85.0775% | 3,225 |
| Equity capital to assets | 7.6760% | 7,106 |
| Core capital (leverage) ratio | 8.1207% | 6,124 |
| Tier 1 risk-based capital ratio | 11.8766% | 5,019 |
| Total risk-based capital ratio | 13.1171% | 4,947 |
| Memoranda: | ||
| Average total assets | $367,830,330 | 1,885 |
| Average earning assets | $327,311,670 | 1,930 |
| Average equity | $27,838,000 | 2,413 |
| Average total loans | $269,919,000 | 1,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2070% | 1,577 |
| Cost of funding earning assets | 2.8316% | 904 |
| Net interest margin | 3.3754% | 5,231 |
| Noninterest income to average assets | 0.4840% | 4,467 |
| Noninterest expense to average assets | 2.6567% | 5,196 |
| Loan and lease loss provision to assets | 0.1459% | 5,075 |
| Net operating income to assets | 0.5189% | 4,348 |
| Return on assets (ROA) | 0.5391% | 4,447 |
| Pretax return on assets | 0.7195% | 4,361 |
| Return on Equity (ROE) | 7.1735% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.1735% | 2,149 |
| Net charge-offs to loans | 0.1915% | 3,488 |
| Credit loss provision to net charge-offs | 104.6512% | 3,613 |
| Earnings coverage of net charge-offs (x) | 6.0155% | 2,562 |
| Efficiency ratio | 76.0124% | 3,491 |
| Assets per employee ($millions) | 3.1639% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,362 |
| Loan loss allowance to noncurrent loans | 28.3214% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 3.9192% | 1,326 |
| Noncurrent loans to loans | 4.4394% | 1,303 |
| Net loans and leases to total assets | 70.8063% | 3,517 |
| Net loans and leases to deposits | 84.9571% | 3,831 |
| Net loans and leases to core deposits | 115.3390% | 2,869 |
| Total domestic deposits to total assets | 83.3436% | 3,982 |
| Equity capital to assets | 7.5505% | 7,310 |
| Core capital (leverage) ratio | 8.0542% | 6,374 |
| Tier 1 risk-based capital ratio | 11.8041% | 5,120 |
| Total risk-based capital ratio | 13.0550% | 5,036 |
| Memoranda: | ||
| Average total assets | $370,238,000 | 1,883 |
| Average earning assets | $330,271,000 | 1,919 |
| Average equity | $27,824,500 | 2,431 |
| Average total loans | $269,451,000 | 1,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6518% | 2,237 |
| Cost of funding earning assets | 3.1685% | 1,290 |
| Net interest margin | 3.4832% | 5,353 |
| Noninterest income to average assets | 0.5829% | 3,984 |
| Noninterest expense to average assets | 2.7155% | 5,198 |
| Loan and lease loss provision to assets | 0.3296% | 3,752 |
| Net operating income to assets | 0.6873% | 3,946 |
| Return on assets (ROA) | 0.2360% | 5,562 |
| Pretax return on assets | 0.2365% | 5,653 |
| Return on Equity (ROE) | 3.1851% | 5,158 |
| Retained earnings to average equity (ytd only) | 0.5080% | 4,931 |
| Net charge-offs to loans | 0.2214% | 4,012 |
| Credit loss provision to net charge-offs | 200.6689% | 2,427 |
| Earnings coverage of net charge-offs (x) | 6.1940% | 3,418 |
| Efficiency ratio | 72.7447% | 3,804 |
| Assets per employee ($millions) | 3.1379% | 5,659 |
| Cash dividends to net income (ytd only)* | 84.0512% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 4,241 |
| Loan loss allowance to noncurrent loans | 31.0881% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 3.6681% | 1,193 |
| Noncurrent loans to loans | 3.9854% | 1,236 |
| Net loans and leases to total assets | 72.9505% | 3,371 |
| Net loans and leases to deposits | 87.4583% | 3,871 |
| Net loans and leases to core deposits | 118.3609% | 2,847 |
| Total domestic deposits to total assets | 83.4118% | 3,606 |
| Equity capital to assets | 7.4795% | 7,398 |
| Core capital (leverage) ratio | 8.0207% | 6,456 |
| Tier 1 risk-based capital ratio | 11.5574% | 5,190 |
| Total risk-based capital ratio | 12.8082% | 5,080 |
| Memoranda: | ||
| Average total assets | $364,057,200 | 1,840 |
| Average earning assets | $329,236,600 | 1,855 |
| Average equity | $26,969,600 | 2,479 |
| Average total loans | $270,075,400 | 1,771 |