Home > Surrey Bank & Trust > Performance and Condition Ratios
Surrey Bank & Trust, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 1,404 |
| Cost of funding earning assets | 0.2010% | 4,377 |
| Net interest margin | 4.7036% | 438 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9977% | 3,628 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.9160% | 558 |
| Return on assets (ROA) | 1.9160% | 551 |
| Pretax return on assets | 2.6774% | 295 |
| Return on Equity (ROE) | 15.8100% | 1,397 |
| Retained earnings to average equity (ytd only) | 9.7639% | 1,753 |
| Net charge-offs to loans | 0.0508% | 855 |
| Credit loss provision to net charge-offs | 818.7500% | 409 |
| Earnings coverage of net charge-offs (x) | 111.5938% | 734 |
| Efficiency ratio | 40.8775% | 4,422 |
| Assets per employee ($millions) | 7.6472% | 1,535 |
| Cash dividends to net income (ytd only)* | 38.2601% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,741 |
| Loan loss allowance to noncurrent loans | 1,018.5294% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,093 |
| Noncurrent loans to loans | 0.1344% | 2,837 |
| Net loans and leases to total assets | 51.7900% | 3,358 |
| Net loans and leases to deposits | 60.1867% | 3,321 |
| Net loans and leases to core deposits | 61.4890% | 3,475 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 12.6851% | 830 |
| Core capital (leverage) ratio | 12.3124% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2619% | 341 |
| Memoranda: | ||
| Average total assets | $494,368,000 | 1,757 |
| Average earning assets | $467,729,000 | 1,734 |
| Average equity | $59,894,000 | 1,394 |
| Average total loans | $251,938,500 | 2,015 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 2,775 |
| Cost of funding earning assets | 0.0978% | 4,400 |
| Net interest margin | 3.5117% | 1,894 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.8914% | 3,844 |
| Loan and lease loss provision to assets | -0.2600% | 4,653 |
| Net operating income to assets | 1.6596% | 596 |
| Return on assets (ROA) | 1.6355% | 599 |
| Pretax return on assets | 2.1145% | 371 |
| Return on Equity (ROE) | 14.5700% | 1,374 |
| Retained earnings to average equity (ytd only) | 10.0917% | 1,119 |
| Net charge-offs to loans | -0.0717% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.0508% | 4,125 |
| Assets per employee ($millions) | 7.9213% | 1,364 |
| Cash dividends to net income (ytd only)* | 30.7303% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 837 |
| Loan loss allowance to noncurrent loans | 1,178.3708% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,093 |
| Noncurrent loans to loans | 0.1419% | 2,801 |
| Net loans and leases to total assets | 48.6600% | 3,619 |
| Net loans and leases to deposits | 55.7206% | 3,594 |
| Net loans and leases to core deposits | 56.9818% | 3,677 |
| Total domestic deposits to total assets | 87.3300% | 2,283 |
| Equity capital to assets | 11.5737% | 1,062 |
| Core capital (leverage) ratio | 11.4979% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5582% | 349 |
| Memoranda: | ||
| Average total assets | $494,821,200 | 1,734 |
| Average earning assets | $469,087,600 | 1,701 |
| Average equity | $55,550,400 | 1,489 |
| Average total loans | $248,184,800 | 1,953 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 3,328 |
| Cost of funding earning assets | 0.0820% | 4,406 |
| Net interest margin | 3.1600% | 2,743 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8712% | 3,815 |
| Loan and lease loss provision to assets | -0.3000% | 4,710 |
| Net operating income to assets | 1.4565% | 940 |
| Return on assets (ROA) | 1.4242% | 993 |
| Pretax return on assets | 1.8411% | 672 |
| Return on Equity (ROE) | 12.7900% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.4308% | 1,507 |
| Net charge-offs to loans | -0.0937% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.2226% | 3,805 |
| Assets per employee ($millions) | 8.0610% | 1,292 |
| Cash dividends to net income (ytd only)* | 26.2517% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 812 |
| Loan loss allowance to noncurrent loans | 1,408.0906% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,268 |
| Noncurrent loans to loans | 0.1239% | 3,025 |
| Net loans and leases to total assets | 49.0100% | 3,531 |
| Net loans and leases to deposits | 56.1372% | 3,467 |
| Net loans and leases to core deposits | 57.3989% | 3,536 |
| Total domestic deposits to total assets | 87.3100% | 2,663 |
| Equity capital to assets | 11.3903% | 1,041 |
| Core capital (leverage) ratio | 11.2282% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0282% | 377 |
| Memoranda: | ||
| Average total assets | $491,786,500 | 1,748 |
| Average earning assets | $466,398,250 | 1,719 |
| Average equity | $54,769,500 | 1,514 |
| Average total loans | $247,511,000 | 1,954 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9465% | 3,684 |
| Cost of funding earning assets | 0.0751% | 4,423 |
| Net interest margin | 2.8714% | 3,242 |
| Noninterest income to average assets | 0.4518% | 2,434 |
| Noninterest expense to average assets | 1.9051% | 3,688 |
| Loan and lease loss provision to assets | -0.4408% | 4,746 |
| Net operating income to assets | 1.3241% | 1,079 |
| Return on assets (ROA) | 1.2754% | 1,193 |
| Pretax return on assets | 1.6479% | 852 |
| Return on Equity (ROE) | 11.5411% | 1,819 |
| Retained earnings to average equity (ytd only) | 8.1517% | 1,564 |
| Net charge-offs to loans | -0.2843% | 4,641 |
| Credit loss provision to net charge-offs | 307.1225% | 796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0232% | 3,290 |
| Assets per employee ($millions) | 7.5815% | 1,565 |
| Cash dividends to net income (ytd only)* | 29.3684% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 675 |
| Loan loss allowance to noncurrent loans | 215.3302% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 1,320 |
| Noncurrent loans to loans | 0.8779% | 965 |
| Net loans and leases to total assets | 48.0751% | 3,547 |
| Net loans and leases to deposits | 54.8772% | 3,477 |
| Net loans and leases to core deposits | 55.9665% | 3,568 |
| Total domestic deposits to total assets | 87.6049% | 2,731 |
| Equity capital to assets | 11.2045% | 1,132 |
| Core capital (leverage) ratio | 10.9617% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6528% | 388 |
| Memoranda: | ||
| Average total assets | $489,120,333 | 1,764 |
| Average earning assets | $463,671,000 | 1,739 |
| Average equity | $54,050,333 | 1,581 |
| Average total loans | $246,908,333 | 1,956 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9090% | 3,510 |
| Cost of funding earning assets | 0.0762% | 4,394 |
| Net interest margin | 2.8328% | 3,033 |
| Noninterest income to average assets | 0.4269% | 2,516 |
| Noninterest expense to average assets | 1.8995% | 3,682 |
| Loan and lease loss provision to assets | -0.5442% | 4,764 |
| Net operating income to assets | 1.3621% | 877 |
| Return on assets (ROA) | 1.2642% | 1,070 |
| Pretax return on assets | 1.6336% | 786 |
| Return on Equity (ROE) | 11.5210% | 1,447 |
| Retained earnings to average equity (ytd only) | 8.2218% | 1,511 |
| Net charge-offs to loans | -0.5160% | 4,713 |
| Credit loss provision to net charge-offs | 205.9006% | 769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0232% | 3,374 |
| Assets per employee ($millions) | 7.2651% | 1,813 |
| Cash dividends to net income (ytd only)* | 28.6364% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9979% | 618 |
| Loan loss allowance to noncurrent loans | 189.6935% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 1,133 |
| Noncurrent loans to loans | 1.0532% | 856 |
| Net loans and leases to total assets | 49.1583% | 3,258 |
| Net loans and leases to deposits | 55.8700% | 3,277 |
| Net loans and leases to core deposits | 56.9307% | 3,384 |
| Total domestic deposits to total assets | 87.9871% | 2,530 |
| Equity capital to assets | 10.9393% | 1,360 |
| Core capital (leverage) ratio | 10.9184% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7927% | 446 |
| Memoranda: | ||
| Average total assets | $487,280,500 | 1,776 |
| Average earning assets | $462,018,000 | 1,753 |
| Average equity | $53,467,500 | 1,640 |
| Average total loans | $249,623,000 | 1,940 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0231% | 3,830 |
| Cost of funding earning assets | 0.1080% | 4,325 |
| Net interest margin | 2.9152% | 3,409 |
| Noninterest income to average assets | 0.6315% | 2,019 |
| Noninterest expense to average assets | 1.8624% | 4,018 |
| Loan and lease loss provision to assets | 0.0835% | 1,472 |
| Net operating income to assets | 1.1200% | 2,212 |
| Return on assets (ROA) | 1.1200% | 2,273 |
| Pretax return on assets | 1.4420% | 1,908 |
| Return on Equity (ROE) | 9.9759% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.5415% | 2,544 |
| Net charge-offs to loans | 0.0004% | 2,690 |
| Credit loss provision to net charge-offs | 38,700.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 7,069.0000% | 12 |
| Efficiency ratio | 54.9717% | 3,826 |
| Assets per employee ($millions) | 7.7506% | 1,463 |
| Cash dividends to net income (ytd only)* | 44.4509% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 518 |
| Loan loss allowance to noncurrent loans | 196.8378% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 1,184 |
| Noncurrent loans to loans | 1.0690% | 906 |
| Net loans and leases to total assets | 51.2239% | 3,150 |
| Net loans and leases to deposits | 58.2547% | 3,230 |
| Net loans and leases to core deposits | 59.4135% | 3,361 |
| Total domestic deposits to total assets | 87.9310% | 2,080 |
| Equity capital to assets | 11.0069% | 1,786 |
| Core capital (leverage) ratio | 10.9180% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1929% | 481 |
| Memoranda: | ||
| Average total assets | $463,373,800 | 1,803 |
| Average earning assets | $438,153,600 | 1,776 |
| Average equity | $52,025,400 | 1,705 |
| Average total loans | $253,450,800 | 1,908 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0461% | 3,914 |
| Cost of funding earning assets | 0.1162% | 4,375 |
| Net interest margin | 2.9300% | 3,481 |
| Noninterest income to average assets | 0.7095% | 1,794 |
| Noninterest expense to average assets | 1.8898% | 3,971 |
| Loan and lease loss provision to assets | 0.0948% | 1,260 |
| Net operating income to assets | 1.1611% | 2,322 |
| Return on assets (ROA) | 1.1611% | 2,383 |
| Pretax return on assets | 1.4942% | 2,004 |
| Return on Equity (ROE) | 10.2889% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.7992% | 2,494 |
| Net charge-offs to loans | 0.0047% | 2,163 |
| Credit loss provision to net charge-offs | 3,622.2222% | 209 |
| Earnings coverage of net charge-offs (x) | 607.8889% | 252 |
| Efficiency ratio | 54.3246% | 3,765 |
| Assets per employee ($millions) | 7.8958% | 1,315 |
| Cash dividends to net income (ytd only)* | 33.9170% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 575 |
| Loan loss allowance to noncurrent loans | 191.1087% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 1,332 |
| Noncurrent loans to loans | 1.0772% | 1,051 |
| Net loans and leases to total assets | 52.4542% | 3,148 |
| Net loans and leases to deposits | 59.7747% | 3,250 |
| Net loans and leases to core deposits | 61.1706% | 3,390 |
| Total domestic deposits to total assets | 87.7532% | 1,971 |
| Equity capital to assets | 11.1515% | 1,916 |
| Core capital (leverage) ratio | 11.0864% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8142% | 496 |
| Memoranda: | ||
| Average total assets | $459,083,500 | 1,834 |
| Average earning assets | $433,896,000 | 1,813 |
| Average equity | $51,808,750 | 1,729 |
| Average total loans | $253,953,500 | 1,938 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2311% | 3,611 |
| Cost of funding earning assets | 0.1267% | 4,375 |
| Net interest margin | 3.1044% | 3,023 |
| Noninterest income to average assets | 0.8397% | 1,427 |
| Noninterest expense to average assets | 1.9388% | 3,864 |
| Loan and lease loss provision to assets | 0.0520% | 1,992 |
| Net operating income to assets | 1.3853% | 1,602 |
| Return on assets (ROA) | 1.3853% | 1,677 |
| Pretax return on assets | 1.7834% | 1,275 |
| Return on Equity (ROE) | 12.2250% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.7471% | 1,802 |
| Net charge-offs to loans | 0.0063% | 1,915 |
| Credit loss provision to net charge-offs | 1,475.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 250 |
| Efficiency ratio | 51.3709% | 4,109 |
| Assets per employee ($millions) | 7.2160% | 1,652 |
| Cash dividends to net income (ytd only)* | 28.4488% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 574 |
| Loan loss allowance to noncurrent loans | 171.2188% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 1,309 |
| Noncurrent loans to loans | 1.1855% | 1,015 |
| Net loans and leases to total assets | 52.4124% | 3,303 |
| Net loans and leases to deposits | 59.9588% | 3,394 |
| Net loans and leases to core deposits | 61.4386% | 3,510 |
| Total domestic deposits to total assets | 87.4140% | 2,125 |
| Equity capital to assets | 11.3500% | 1,729 |
| Core capital (leverage) ratio | 11.0659% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8657% | 490 |
| Memoranda: | ||
| Average total assets | $454,194,667 | 1,840 |
| Average earning assets | $429,322,333 | 1,820 |
| Average equity | $51,468,333 | 1,731 |
| Average total loans | $254,029,667 | 1,945 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 3,390 |
| Cost of funding earning assets | 0.1409% | 4,375 |
| Net interest margin | 3.1853% | 2,742 |
| Noninterest income to average assets | 1.2576% | 797 |
| Noninterest expense to average assets | 2.0329% | 3,616 |
| Loan and lease loss provision to assets | -0.0631% | 4,671 |
| Net operating income to assets | 1.7905% | 801 |
| Return on assets (ROA) | 1.7905% | 855 |
| Pretax return on assets | 2.3003% | 589 |
| Return on Equity (ROE) | 15.8136% | 1,056 |
| Retained earnings to average equity (ytd only) | 12.3073% | 1,073 |
| Net charge-offs to loans | -0.0186% | 3,961 |
| Credit loss provision to net charge-offs | 591.6667% | 560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6082% | 4,368 |
| Assets per employee ($millions) | 6.9073% | 1,856 |
| Cash dividends to net income (ytd only)* | 22.1726% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 748 |
| Loan loss allowance to noncurrent loans | 1,509.6573% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,886 |
| Noncurrent loans to loans | 0.1253% | 3,684 |
| Net loans and leases to total assets | 53.5246% | 3,286 |
| Net loans and leases to deposits | 60.7599% | 3,432 |
| Net loans and leases to core deposits | 62.1117% | 3,564 |
| Total domestic deposits to total assets | 88.0919% | 1,800 |
| Equity capital to assets | 11.0171% | 1,843 |
| Core capital (leverage) ratio | 11.3941% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0745% | 448 |
| Memoranda: | ||
| Average total assets | $450,381,000 | 1,843 |
| Average earning assets | $425,959,000 | 1,816 |
| Average equity | $50,994,000 | 1,737 |
| Average total loans | $257,511,000 | 1,926 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 3,185 |
| Cost of funding earning assets | 0.3029% | 4,127 |
| Net interest margin | 3.5384% | 2,342 |
| Noninterest income to average assets | 0.7200% | 1,793 |
| Noninterest expense to average assets | 2.3241% | 3,342 |
| Loan and lease loss provision to assets | 0.1786% | 2,162 |
| Net operating income to assets | 1.2028% | 1,549 |
| Return on assets (ROA) | 1.2028% | 1,654 |
| Pretax return on assets | 1.5293% | 1,247 |
| Return on Equity (ROE) | 9.4720% | 2,210 |
| Retained earnings to average equity (ytd only) | 4.8420% | 2,346 |
| Net charge-offs to loans | -0.0361% | 4,595 |
| Credit loss provision to net charge-offs | -734.0426% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6409% | 3,777 |
| Assets per employee ($millions) | 6.4338% | 1,966 |
| Cash dividends to net income (ytd only)* | 48.8808% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 735 |
| Loan loss allowance to noncurrent loans | 1,438.4164% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,940 |
| Noncurrent loans to loans | 0.1318% | 3,753 |
| Net loans and leases to total assets | 58.8931% | 2,995 |
| Net loans and leases to deposits | 67.6306% | 3,118 |
| Net loans and leases to core deposits | 69.1523% | 3,323 |
| Total domestic deposits to total assets | 87.0806% | 1,901 |
| Equity capital to assets | 11.6551% | 1,764 |
| Core capital (leverage) ratio | 11.4024% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8130% | 518 |
| Memoranda: | ||
| Average total assets | $386,253,600 | 1,900 |
| Average earning assets | $361,542,600 | 1,900 |
| Average equity | $49,049,600 | 1,724 |
| Average total loans | $260,458,800 | 1,866 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 3,486 |
| Cost of funding earning assets | 0.3426% | 4,098 |
| Net interest margin | 3.4845% | 2,639 |
| Noninterest income to average assets | 0.7046% | 1,787 |
| Noninterest expense to average assets | 2.3299% | 3,342 |
| Loan and lease loss provision to assets | 0.2005% | 1,987 |
| Net operating income to assets | 1.1156% | 1,932 |
| Return on assets (ROA) | 1.1156% | 2,052 |
| Pretax return on assets | 1.4287% | 1,636 |
| Return on Equity (ROE) | 8.5820% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.7505% | 2,671 |
| Net charge-offs to loans | -0.0148% | 4,329 |
| Credit loss provision to net charge-offs | -1,944.8276% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8489% | 3,545 |
| Assets per employee ($millions) | 6.0770% | 2,205 |
| Cash dividends to net income (ytd only)* | 44.6463% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 942 |
| Loan loss allowance to noncurrent loans | 1,109.1765% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,932 |
| Noncurrent loans to loans | 0.1506% | 3,780 |
| Net loans and leases to total assets | 65.2481% | 2,615 |
| Net loans and leases to deposits | 75.3062% | 2,817 |
| Net loans and leases to core deposits | 81.3677% | 2,714 |
| Total domestic deposits to total assets | 86.6436% | 1,800 |
| Equity capital to assets | 11.6624% | 1,904 |
| Core capital (leverage) ratio | 11.7378% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0051% | 583 |
| Memoranda: | ||
| Average total assets | $375,051,000 | 1,924 |
| Average earning assets | $350,300,750 | 1,920 |
| Average equity | $48,751,750 | 1,725 |
| Average total loans | $260,880,500 | 1,854 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,283 |
| Cost of funding earning assets | 0.3745% | 4,150 |
| Net interest margin | 3.6431% | 2,335 |
| Noninterest income to average assets | 0.7598% | 1,551 |
| Noninterest expense to average assets | 2.4585% | 3,075 |
| Loan and lease loss provision to assets | 0.2054% | 2,000 |
| Net operating income to assets | 1.1578% | 1,767 |
| Return on assets (ROA) | 1.1578% | 1,902 |
| Pretax return on assets | 1.4844% | 1,493 |
| Return on Equity (ROE) | 8.5587% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.6136% | 2,654 |
| Net charge-offs to loans | -0.0441% | 4,653 |
| Credit loss provision to net charge-offs | -657.1429% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2652% | 3,522 |
| Assets per employee ($millions) | 5.5275% | 2,612 |
| Cash dividends to net income (ytd only)* | 46.0945% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 959 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,031 |
| Noncurrent loans to loans | 0.1442% | 3,881 |
| Net loans and leases to total assets | 68.3021% | 2,301 |
| Net loans and leases to deposits | 79.2760% | 2,514 |
| Net loans and leases to core deposits | 83.1156% | 2,681 |
| Total domestic deposits to total assets | 86.1573% | 1,945 |
| Equity capital to assets | 12.1458% | 1,571 |
| Core capital (leverage) ratio | 12.4263% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9529% | 586 |
| Memoranda: | ||
| Average total assets | $358,270,667 | 1,966 |
| Average earning assets | $333,235,000 | 1,967 |
| Average equity | $48,465,333 | 1,718 |
| Average total loans | $253,749,333 | 1,876 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 2,250 |
| Cost of funding earning assets | 0.4202% | 4,281 |
| Net interest margin | 4.1028% | 1,131 |
| Noninterest income to average assets | 0.8318% | 1,216 |
| Noninterest expense to average assets | 2.8541% | 2,262 |
| Loan and lease loss provision to assets | 0.1287% | 2,104 |
| Net operating income to assets | 1.2882% | 1,275 |
| Return on assets (ROA) | 1.2882% | 1,365 |
| Pretax return on assets | 1.6541% | 939 |
| Return on Equity (ROE) | 8.9722% | 2,118 |
| Retained earnings to average equity (ytd only) | 5.0878% | 2,232 |
| Net charge-offs to loans | -0.0865% | 4,790 |
| Credit loss provision to net charge-offs | -207.6923% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5523% | 3,548 |
| Assets per employee ($millions) | 4.5571% | 3,188 |
| Cash dividends to net income (ytd only)* | 43.2932% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 771 |
| Loan loss allowance to noncurrent loans | 953.6748% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,983 |
| Noncurrent loans to loans | 0.1842% | 3,815 |
| Net loans and leases to total assets | 70.0666% | 2,248 |
| Net loans and leases to deposits | 82.9648% | 2,335 |
| Net loans and leases to core deposits | 85.6588% | 2,710 |
| Total domestic deposits to total assets | 84.4534% | 2,614 |
| Equity capital to assets | 14.1937% | 1,000 |
| Core capital (leverage) ratio | 14.2777% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4155% | 703 |
| Memoranda: | ||
| Average total assets | $335,653,000 | 2,017 |
| Average earning assets | $311,299,000 | 2,019 |
| Average equity | $48,193,500 | 1,716 |
| Average total loans | $240,550,000 | 1,923 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 1,379 |
| Cost of funding earning assets | 0.4435% | 4,291 |
| Net interest margin | 4.5930% | 584 |
| Noninterest income to average assets | 0.8240% | 1,374 |
| Noninterest expense to average assets | 2.8876% | 2,330 |
| Loan and lease loss provision to assets | 0.0388% | 3,241 |
| Net operating income to assets | 1.5566% | 927 |
| Return on assets (ROA) | 1.5566% | 983 |
| Pretax return on assets | 2.1105% | 466 |
| Return on Equity (ROE) | 10.6899% | 2,009 |
| Retained earnings to average equity (ytd only) | 5.8801% | 1,932 |
| Net charge-offs to loans | 0.0826% | 1,932 |
| Credit loss provision to net charge-offs | 62.9442% | 3,007 |
| Earnings coverage of net charge-offs (x) | 34.8629% | 1,430 |
| Efficiency ratio | 57.3284% | 4,046 |
| Assets per employee ($millions) | 4.7074% | 2,940 |
| Cash dividends to net income (ytd only)* | 44.9940% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 736 |
| Loan loss allowance to noncurrent loans | 331.6171% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,903 |
| Noncurrent loans to loans | 0.5237% | 2,616 |
| Net loans and leases to total assets | 70.7751% | 2,277 |
| Net loans and leases to deposits | 84.0974% | 2,322 |
| Net loans and leases to core deposits | 90.3725% | 2,388 |
| Total domestic deposits to total assets | 84.1585% | 2,804 |
| Equity capital to assets | 14.5287% | 925 |
| Core capital (leverage) ratio | 14.1036% | 902 |
| Tier 1 risk-based capital ratio | 20.1863% | 1,300 |
| Total risk-based capital ratio | 21.4489% | 1,271 |
| Memoranda: | ||
| Average total assets | $319,540,800 | 2,042 |
| Average earning assets | $293,099,400 | 2,071 |
| Average equity | $46,530,000 | 1,704 |
| Average total loans | $238,355,400 | 1,898 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 1,158 |
| Cost of funding earning assets | 0.4396% | 4,365 |
| Net interest margin | 4.7100% | 490 |
| Noninterest income to average assets | 0.7826% | 1,477 |
| Noninterest expense to average assets | 2.8698% | 2,345 |
| Loan and lease loss provision to assets | 0.0328% | 3,251 |
| Net operating income to assets | 1.6132% | 902 |
| Return on assets (ROA) | 1.6132% | 939 |
| Pretax return on assets | 2.1876% | 463 |
| Return on Equity (ROE) | 11.0719% | 1,994 |
| Retained earnings to average equity (ytd only) | 7.2764% | 1,725 |
| Net charge-offs to loans | 0.0961% | 1,514 |
| Credit loss provision to net charge-offs | 45.3488% | 2,822 |
| Earnings coverage of net charge-offs (x) | 30.6973% | 1,604 |
| Efficiency ratio | 56.3781% | 4,130 |
| Assets per employee ($millions) | 4.6708% | 2,947 |
| Cash dividends to net income (ytd only)* | 34.2805% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 797 |
| Loan loss allowance to noncurrent loans | 324.4462% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 2,981 |
| Noncurrent loans to loans | 0.5282% | 2,705 |
| Net loans and leases to total assets | 70.9299% | 2,335 |
| Net loans and leases to deposits | 84.4386% | 2,398 |
| Net loans and leases to core deposits | 89.9997% | 2,547 |
| Total domestic deposits to total assets | 84.0017% | 2,828 |
| Equity capital to assets | 14.3730% | 1,016 |
| Core capital (leverage) ratio | 14.6199% | 831 |
| Tier 1 risk-based capital ratio | 19.5944% | 1,439 |
| Total risk-based capital ratio | 20.8563% | 1,407 |
| Memoranda: | ||
| Average total assets | $317,046,000 | 2,068 |
| Average earning assets | $289,956,750 | 2,100 |
| Average equity | $46,193,750 | 1,714 |
| Average total loans | $238,609,250 | 1,906 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 1,382 |
| Cost of funding earning assets | 0.4326% | 4,385 |
| Net interest margin | 4.6024% | 612 |
| Noninterest income to average assets | 0.7976% | 1,356 |
| Noninterest expense to average assets | 2.9579% | 2,117 |
| Loan and lease loss provision to assets | 0.1345% | 1,376 |
| Net operating income to assets | 1.3774% | 1,488 |
| Return on assets (ROA) | 1.3774% | 1,549 |
| Pretax return on assets | 1.9239% | 794 |
| Return on Equity (ROE) | 9.4085% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,521 |
| Net charge-offs to loans | -0.0696% | 4,923 |
| Credit loss provision to net charge-offs | -253.0120% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9655% | 3,870 |
| Assets per employee ($millions) | 3.9428% | 3,951 |
| Cash dividends to net income (ytd only)* | 41.6279% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 650 |
| Loan loss allowance to noncurrent loans | 100.4027% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 828 |
| Noncurrent loans to loans | 1.8160% | 829 |
| Net loans and leases to total assets | 76.6161% | 1,452 |
| Net loans and leases to deposits | 91.4604% | 1,564 |
| Net loans and leases to core deposits | 97.4338% | 1,936 |
| Total domestic deposits to total assets | 83.7697% | 2,959 |
| Equity capital to assets | 14.7095% | 888 |
| Core capital (leverage) ratio | 14.4671% | 834 |
| Tier 1 risk-based capital ratio | 18.8636% | 1,584 |
| Total risk-based capital ratio | 20.1273% | 1,550 |
| Memoranda: | ||
| Average total assets | $312,185,000 | 2,102 |
| Average earning assets | $286,157,000 | 2,126 |
| Average equity | $45,703,330 | 1,721 |
| Average total loans | $238,370,670 | 1,918 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 1,402 |
| Cost of funding earning assets | 0.4170% | 4,413 |
| Net interest margin | 4.5570% | 668 |
| Noninterest income to average assets | 0.8076% | 1,282 |
| Noninterest expense to average assets | 3.0306% | 1,904 |
| Loan and lease loss provision to assets | 0.0811% | 2,078 |
| Net operating income to assets | 1.2455% | 1,909 |
| Return on assets (ROA) | 1.2455% | 1,953 |
| Pretax return on assets | 1.8766% | 834 |
| Return on Equity (ROE) | 8.5280% | 3,028 |
| Retained earnings to average equity (ytd only) | 4.3390% | 3,189 |
| Net charge-offs to loans | -0.1058% | 5,038 |
| Credit loss provision to net charge-offs | -101.6129% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7539% | 3,710 |
| Assets per employee ($millions) | 4.0517% | 3,845 |
| Cash dividends to net income (ytd only)* | 49.1210% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 671 |
| Loan loss allowance to noncurrent loans | 98.4055% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 886 |
| Noncurrent loans to loans | 1.8569% | 827 |
| Net loans and leases to total assets | 74.3922% | 1,733 |
| Net loans and leases to deposits | 88.5313% | 1,805 |
| Net loans and leases to core deposits | 93.7643% | 2,148 |
| Total domestic deposits to total assets | 84.0293% | 3,037 |
| Equity capital to assets | 14.6210% | 848 |
| Core capital (leverage) ratio | 14.5391% | 804 |
| Tier 1 risk-based capital ratio | 19.1653% | 1,512 |
| Total risk-based capital ratio | 20.4285% | 1,478 |
| Memoranda: | ||
| Average total assets | $310,566,500 | 2,121 |
| Average earning assets | $284,921,500 | 2,144 |
| Average equity | $45,356,500 | 1,723 |
| Average total loans | $234,480,000 | 1,963 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,312 |
| Cost of funding earning assets | 0.3578% | 4,231 |
| Net interest margin | 4.5352% | 717 |
| Noninterest income to average assets | 0.8859% | 1,211 |
| Noninterest expense to average assets | 2.8930% | 2,377 |
| Loan and lease loss provision to assets | 0.1218% | 1,808 |
| Net operating income to assets | 1.6971% | 699 |
| Return on assets (ROA) | 1.6971% | 692 |
| Pretax return on assets | 2.0334% | 525 |
| Return on Equity (ROE) | 11.8596% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.1268% | 1,612 |
| Net charge-offs to loans | 0.0099% | 3,340 |
| Credit loss provision to net charge-offs | 1,608.6957% | 264 |
| Earnings coverage of net charge-offs (x) | 284.7391% | 342 |
| Efficiency ratio | 57.3077% | 4,245 |
| Assets per employee ($millions) | 4.0678% | 3,794 |
| Cash dividends to net income (ytd only)* | 39.9069% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 677 |
| Loan loss allowance to noncurrent loans | 95.1895% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 835 |
| Noncurrent loans to loans | 1.8951% | 729 |
| Net loans and leases to total assets | 73.8651% | 1,960 |
| Net loans and leases to deposits | 87.7495% | 2,071 |
| Net loans and leases to core deposits | 91.7914% | 2,423 |
| Total domestic deposits to total assets | 84.1773% | 2,946 |
| Equity capital to assets | 14.5877% | 812 |
| Core capital (leverage) ratio | 14.1770% | 876 |
| Tier 1 risk-based capital ratio | 19.1701% | 1,481 |
| Total risk-based capital ratio | 20.4342% | 1,443 |
| Memoranda: | ||
| Average total assets | $303,873,800 | 2,135 |
| Average earning assets | $278,888,200 | 2,144 |
| Average equity | $43,483,600 | 1,718 |
| Average total loans | $232,486,800 | 1,931 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 1,127 |
| Cost of funding earning assets | 0.3461% | 4,206 |
| Net interest margin | 4.5696% | 639 |
| Noninterest income to average assets | 0.7954% | 1,486 |
| Noninterest expense to average assets | 2.8627% | 2,424 |
| Loan and lease loss provision to assets | 0.0921% | 2,138 |
| Net operating income to assets | 1.5728% | 1,016 |
| Return on assets (ROA) | 1.5728% | 1,020 |
| Pretax return on assets | 2.0355% | 570 |
| Return on Equity (ROE) | 11.0458% | 2,159 |
| Retained earnings to average equity (ytd only) | 7.2081% | 2,019 |
| Net charge-offs to loans | 0.0178% | 2,803 |
| Credit loss provision to net charge-offs | 674.1935% | 543 |
| Earnings coverage of net charge-offs (x) | 155.7505% | 528 |
| Efficiency ratio | 57.3649% | 4,204 |
| Assets per employee ($millions) | 4.0256% | 3,840 |
| Cash dividends to net income (ytd only)* | 34.7436% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 928 |
| Loan loss allowance to noncurrent loans | 999.0074% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,313 |
| Noncurrent loans to loans | 0.1672% | 4,137 |
| Net loans and leases to total assets | 76.4525% | 1,591 |
| Net loans and leases to deposits | 90.9141% | 1,770 |
| Net loans and leases to core deposits | 95.1498% | 2,200 |
| Total domestic deposits to total assets | 84.0932% | 2,912 |
| Equity capital to assets | 14.2912% | 882 |
| Core capital (leverage) ratio | 14.0530% | 925 |
| Tier 1 risk-based capital ratio | 18.5873% | 1,635 |
| Total risk-based capital ratio | 19.8498% | 1,593 |
| Memoranda: | ||
| Average total assets | $302,554,750 | 2,145 |
| Average earning assets | $277,744,000 | 2,160 |
| Average equity | $43,080,000 | 1,735 |
| Average total loans | $232,471,250 | 1,932 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 1,068 |
| Cost of funding earning assets | 0.3372% | 4,154 |
| Net interest margin | 4.5391% | 640 |
| Noninterest income to average assets | 0.7418% | 1,677 |
| Noninterest expense to average assets | 2.8785% | 2,413 |
| Loan and lease loss provision to assets | 0.0573% | 2,763 |
| Net operating income to assets | 1.5216% | 1,102 |
| Return on assets (ROA) | 1.5216% | 1,104 |
| Pretax return on assets | 1.9681% | 646 |
| Return on Equity (ROE) | 10.6998% | 2,233 |
| Retained earnings to average equity (ytd only) | 6.7583% | 2,186 |
| Net charge-offs to loans | 0.0435% | 1,994 |
| Credit loss provision to net charge-offs | 172.0000% | 1,443 |
| Earnings coverage of net charge-offs (x) | 60.7800% | 989 |
| Efficiency ratio | 58.6980% | 4,128 |
| Assets per employee ($millions) | 4.0692% | 3,784 |
| Cash dividends to net income (ytd only)* | 36.8375% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 973 |
| Loan loss allowance to noncurrent loans | 589.3778% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 3,684 |
| Noncurrent loans to loans | 0.2823% | 3,689 |
| Net loans and leases to total assets | 75.2194% | 1,757 |
| Net loans and leases to deposits | 89.2061% | 1,947 |
| Net loans and leases to core deposits | 93.7367% | 2,242 |
| Total domestic deposits to total assets | 84.3209% | 2,951 |
| Equity capital to assets | 14.2256% | 876 |
| Core capital (leverage) ratio | 14.3679% | 813 |
| Tier 1 risk-based capital ratio | 18.4456% | 1,687 |
| Total risk-based capital ratio | 19.7074% | 1,646 |
| Memoranda: | ||
| Average total assets | $300,081,670 | 2,169 |
| Average earning assets | $275,167,000 | 2,188 |
| Average equity | $42,673,670 | 1,756 |
| Average total loans | $229,625,330 | 1,954 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 750 |
| Cost of funding earning assets | 0.3317% | 4,125 |
| Net interest margin | 4.6344% | 466 |
| Noninterest income to average assets | 0.6857% | 1,892 |
| Noninterest expense to average assets | 2.9685% | 2,147 |
| Loan and lease loss provision to assets | 0.0672% | 2,421 |
| Net operating income to assets | 1.4654% | 1,162 |
| Return on assets (ROA) | 1.4654% | 1,162 |
| Pretax return on assets | 1.8956% | 732 |
| Return on Equity (ROE) | 10.3066% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.1367% | 2,651 |
| Net charge-offs to loans | 0.0773% | 1,350 |
| Credit loss provision to net charge-offs | 113.6364% | 1,422 |
| Earnings coverage of net charge-offs (x) | 33.1818% | 1,183 |
| Efficiency ratio | 60.1963% | 4,039 |
| Assets per employee ($millions) | 3.9279% | 4,106 |
| Cash dividends to net income (ytd only)* | 40.4587% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 1,016 |
| Loan loss allowance to noncurrent loans | 896.2791% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,069 |
| Noncurrent loans to loans | 0.1860% | 4,127 |
| Net loans and leases to total assets | 77.1687% | 1,361 |
| Net loans and leases to deposits | 91.5314% | 1,499 |
| Net loans and leases to core deposits | 96.7436% | 1,921 |
| Total domestic deposits to total assets | 84.3084% | 3,192 |
| Equity capital to assets | 14.4682% | 781 |
| Core capital (leverage) ratio | 14.1202% | 848 |
| Tier 1 risk-based capital ratio | 18.3465% | 1,732 |
| Total risk-based capital ratio | 19.6084% | 1,698 |
| Memoranda: | ||
| Average total assets | $297,527,500 | 2,202 |
| Average earning assets | $272,569,000 | 2,219 |
| Average equity | $42,303,000 | 1,783 |
| Average total loans | $227,715,000 | 1,980 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 1,438 |
| Cost of funding earning assets | 0.3413% | 3,788 |
| Net interest margin | 4.2565% | 1,066 |
| Noninterest income to average assets | 0.9304% | 1,188 |
| Noninterest expense to average assets | 2.8672% | 2,559 |
| Loan and lease loss provision to assets | -0.0157% | 5,322 |
| Net operating income to assets | 1.0788% | 1,941 |
| Return on assets (ROA) | 1.0788% | 1,959 |
| Pretax return on assets | 1.9796% | 516 |
| Return on Equity (ROE) | 7.4097% | 3,072 |
| Retained earnings to average equity (ytd only) | 3.9907% | 2,803 |
| Net charge-offs to loans | -0.0953% | 5,359 |
| Credit loss provision to net charge-offs | 21.8447% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3482% | 4,361 |
| Assets per employee ($millions) | 4.0062% | 3,944 |
| Cash dividends to net income (ytd only)* | 46.1414% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 916 |
| Loan loss allowance to noncurrent loans | 1,184.0000% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,322 |
| Noncurrent loans to loans | 0.1449% | 4,342 |
| Net loans and leases to total assets | 73.3519% | 2,036 |
| Net loans and leases to deposits | 86.4210% | 2,208 |
| Net loans and leases to core deposits | 92.4751% | 2,327 |
| Total domestic deposits to total assets | 84.8774% | 2,883 |
| Equity capital to assets | 13.9731% | 923 |
| Core capital (leverage) ratio | 13.9586% | 843 |
| Tier 1 risk-based capital ratio | 18.3303% | 1,702 |
| Total risk-based capital ratio | 19.5929% | 1,652 |
| Memoranda: | ||
| Average total assets | $287,076,200 | 2,244 |
| Average earning assets | $263,081,200 | 2,261 |
| Average equity | $41,796,800 | 1,785 |
| Average total loans | $216,259,000 | 2,025 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 1,413 |
| Cost of funding earning assets | 0.3463% | 3,708 |
| Net interest margin | 4.2379% | 1,068 |
| Noninterest income to average assets | 0.8703% | 1,371 |
| Noninterest expense to average assets | 2.7970% | 2,735 |
| Loan and lease loss provision to assets | -0.0437% | 5,513 |
| Net operating income to assets | 1.3012% | 1,325 |
| Return on assets (ROA) | 1.3012% | 1,367 |
| Pretax return on assets | 1.9986% | 552 |
| Return on Equity (ROE) | 8.8429% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.7471% | 929 |
| Net charge-offs to loans | -0.1257% | 5,440 |
| Credit loss provision to net charge-offs | 46.0396% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8608% | 4,378 |
| Assets per employee ($millions) | 4.1119% | 3,804 |
| Cash dividends to net income (ytd only)* | 1.0835% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 990 |
| Loan loss allowance to noncurrent loans | 816.3441% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 4,204 |
| Noncurrent loans to loans | 0.2107% | 4,230 |
| Net loans and leases to total assets | 74.2835% | 1,872 |
| Net loans and leases to deposits | 88.9725% | 1,928 |
| Net loans and leases to core deposits | 94.7353% | 2,202 |
| Total domestic deposits to total assets | 83.4904% | 3,291 |
| Equity capital to assets | 14.7579% | 795 |
| Core capital (leverage) ratio | 14.5015% | 765 |
| Tier 1 risk-based capital ratio | 19.0180% | 1,579 |
| Total risk-based capital ratio | 20.2844% | 1,537 |
| Memoranda: | ||
| Average total assets | $283,729,250 | 2,277 |
| Average earning assets | $259,871,500 | 2,298 |
| Average equity | $41,750,000 | 1,802 |
| Average total loans | $214,262,750 | 2,052 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,379 |
| Cost of funding earning assets | 0.3483% | 3,601 |
| Net interest margin | 4.2061% | 1,066 |
| Noninterest income to average assets | 0.8655% | 1,373 |
| Noninterest expense to average assets | 2.8143% | 2,701 |
| Loan and lease loss provision to assets | -0.2299% | 5,713 |
| Net operating income to assets | 1.3922% | 1,090 |
| Return on assets (ROA) | 1.3922% | 1,114 |
| Pretax return on assets | 2.1403% | 406 |
| Return on Equity (ROE) | 9.4710% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.4710% | 718 |
| Net charge-offs to loans | -0.2084% | 5,578 |
| Credit loss provision to net charge-offs | 146.1538% | 1,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5661% | 4,387 |
| Assets per employee ($millions) | 3.9964% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 1,107 |
| Loan loss allowance to noncurrent loans | 456.6879% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 3,781 |
| Noncurrent loans to loans | 0.3662% | 3,716 |
| Net loans and leases to total assets | 74.2758% | 1,815 |
| Net loans and leases to deposits | 89.1496% | 1,844 |
| Net loans and leases to core deposits | 94.4285% | 2,116 |
| Total domestic deposits to total assets | 83.3160% | 3,463 |
| Equity capital to assets | 14.9074% | 718 |
| Core capital (leverage) ratio | 14.5261% | 736 |
| Tier 1 risk-based capital ratio | 19.2708% | 1,527 |
| Total risk-based capital ratio | 20.5355% | 1,471 |
| Memoranda: | ||
| Average total assets | $280,990,670 | 2,308 |
| Average earning assets | $257,819,000 | 2,320 |
| Average equity | $41,305,000 | 1,820 |
| Average total loans | $212,129,330 | 2,071 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,289 |
| Cost of funding earning assets | 0.3500% | 3,532 |
| Net interest margin | 4.1861% | 1,016 |
| Noninterest income to average assets | 0.8440% | 1,422 |
| Noninterest expense to average assets | 2.8482% | 2,618 |
| Loan and lease loss provision to assets | -0.2675% | 5,809 |
| Net operating income to assets | 1.3748% | 1,047 |
| Return on assets (ROA) | 1.3748% | 1,082 |
| Pretax return on assets | 2.1129% | 401 |
| Return on Equity (ROE) | 9.4197% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.4197% | 941 |
| Net charge-offs to loans | -0.2388% | 5,646 |
| Credit loss provision to net charge-offs | 148.4127% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6827% | 4,365 |
| Assets per employee ($millions) | 4.0310% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,092 |
| Loan loss allowance to noncurrent loans | 310.7112% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,330 |
| Noncurrent loans to loans | 0.5566% | 3,135 |
| Net loans and leases to total assets | 73.0213% | 1,910 |
| Net loans and leases to deposits | 87.1119% | 1,901 |
| Net loans and leases to core deposits | 92.2641% | 2,138 |
| Total domestic deposits to total assets | 83.8247% | 3,541 |
| Equity capital to assets | 14.6344% | 722 |
| Core capital (leverage) ratio | 14.2250% | 782 |
| Tier 1 risk-based capital ratio | 19.3404% | 1,528 |
| Total risk-based capital ratio | 20.6073% | 1,499 |
| Memoranda: | ||
| Average total assets | $279,613,500 | 2,331 |
| Average earning assets | $257,139,500 | 2,333 |
| Average equity | $40,808,000 | 1,830 |
| Average total loans | $211,024,500 | 2,091 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 710 |
| Cost of funding earning assets | 0.3734% | 3,282 |
| Net interest margin | 4.5463% | 559 |
| Noninterest income to average assets | 1.0661% | 994 |
| Noninterest expense to average assets | 2.9558% | 2,476 |
| Loan and lease loss provision to assets | 0.1513% | 1,656 |
| Net operating income to assets | 1.3940% | 1,019 |
| Return on assets (ROA) | 1.3940% | 1,050 |
| Pretax return on assets | 2.1156% | 389 |
| Return on Equity (ROE) | 9.3542% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.3542% | 517 |
| Net charge-offs to loans | 0.1617% | 1,671 |
| Credit loss provision to net charge-offs | 117.9412% | 2,250 |
| Earnings coverage of net charge-offs (x) | 17.6735% | 2,024 |
| Efficiency ratio | 56.5949% | 5,002 |
| Assets per employee ($millions) | 4.0744% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,066 |
| Loan loss allowance to noncurrent loans | 276.4618% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 3,110 |
| Noncurrent loans to loans | 0.6281% | 2,969 |
| Net loans and leases to total assets | 75.3241% | 1,629 |
| Net loans and leases to deposits | 90.0694% | 1,673 |
| Net loans and leases to core deposits | 94.4688% | 2,059 |
| Total domestic deposits to total assets | 83.6289% | 3,559 |
| Equity capital to assets | 14.5537% | 717 |
| Core capital (leverage) ratio | 14.1286% | 790 |
| Tier 1 risk-based capital ratio | 18.4382% | 1,743 |
| Total risk-based capital ratio | 19.7028% | 1,705 |
| Memoranda: | ||
| Average total assets | $265,073,400 | 2,394 |
| Average earning assets | $242,352,600 | 2,416 |
| Average equity | $39,500,800 | 1,862 |
| Average total loans | $210,284,200 | 2,044 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 698 |
| Cost of funding earning assets | 0.3768% | 3,263 |
| Net interest margin | 4.5429% | 566 |
| Noninterest income to average assets | 1.0612% | 1,011 |
| Noninterest expense to average assets | 2.9268% | 2,553 |
| Loan and lease loss provision to assets | 0.1714% | 1,324 |
| Net operating income to assets | 1.4214% | 1,026 |
| Return on assets (ROA) | 1.4214% | 1,077 |
| Pretax return on assets | 2.1092% | 455 |
| Return on Equity (ROE) | 9.4801% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4801% | 697 |
| Net charge-offs to loans | 0.1049% | 1,897 |
| Credit loss provision to net charge-offs | 204.2424% | 1,421 |
| Earnings coverage of net charge-offs (x) | 27.1702% | 1,574 |
| Efficiency ratio | 56.2036% | 5,046 |
| Assets per employee ($millions) | 3.9416% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,071 |
| Loan loss allowance to noncurrent loans | 194.9692% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7891% | 2,572 |
| Noncurrent loans to loans | 0.9067% | 2,430 |
| Net loans and leases to total assets | 78.7425% | 1,075 |
| Net loans and leases to deposits | 95.3554% | 1,116 |
| Net loans and leases to core deposits | 100.1580% | 1,619 |
| Total domestic deposits to total assets | 82.5779% | 3,749 |
| Equity capital to assets | 15.1809% | 694 |
| Core capital (leverage) ratio | 14.9077% | 654 |
| Tier 1 risk-based capital ratio | 18.3082% | 1,831 |
| Total risk-based capital ratio | 19.5736% | 1,796 |
| Memoranda: | ||
| Average total assets | $262,077,750 | 2,425 |
| Average earning assets | $239,195,750 | 2,444 |
| Average equity | $39,295,500 | 1,881 |
| Average total loans | $209,760,750 | 2,054 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 635 |
| Cost of funding earning assets | 0.3843% | 3,216 |
| Net interest margin | 4.5750% | 528 |
| Noninterest income to average assets | 1.1273% | 885 |
| Noninterest expense to average assets | 2.9212% | 2,609 |
| Loan and lease loss provision to assets | 0.1638% | 1,375 |
| Net operating income to assets | 1.5241% | 854 |
| Return on assets (ROA) | 1.5241% | 900 |
| Pretax return on assets | 2.2253% | 361 |
| Return on Equity (ROE) | 10.2083% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.2083% | 559 |
| Net charge-offs to loans | -0.0067% | 4,598 |
| Credit loss provision to net charge-offs | -3,042.8571% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0101% | 5,239 |
| Assets per employee ($millions) | 3.8057% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,057 |
| Loan loss allowance to noncurrent loans | 243.5719% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,010 |
| Noncurrent loans to loans | 0.7456% | 2,876 |
| Net loans and leases to total assets | 79.1779% | 1,039 |
| Net loans and leases to deposits | 95.6992% | 1,109 |
| Net loans and leases to core deposits | 100.5149% | 1,596 |
| Total domestic deposits to total assets | 82.7362% | 3,748 |
| Equity capital to assets | 15.1884% | 695 |
| Core capital (leverage) ratio | 14.8585% | 634 |
| Tier 1 risk-based capital ratio | 18.2221% | 1,871 |
| Total risk-based capital ratio | 19.4883% | 1,831 |
| Memoranda: | ||
| Average total assets | $260,094,330 | 2,454 |
| Average earning assets | $237,813,000 | 2,472 |
| Average equity | $38,831,000 | 1,901 |
| Average total loans | $208,064,330 | 2,072 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 649 |
| Cost of funding earning assets | 0.3933% | 3,157 |
| Net interest margin | 4.5488% | 555 |
| Noninterest income to average assets | 0.8314% | 1,512 |
| Noninterest expense to average assets | 2.9315% | 2,603 |
| Loan and lease loss provision to assets | 0.1174% | 1,793 |
| Net operating income to assets | 1.2594% | 1,378 |
| Return on assets (ROA) | 1.2594% | 1,469 |
| Pretax return on assets | 1.9471% | 634 |
| Return on Equity (ROE) | 8.5107% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.5107% | 1,259 |
| Net charge-offs to loans | -0.1901% | 5,836 |
| Credit loss provision to net charge-offs | -77.5510% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6762% | 4,917 |
| Assets per employee ($millions) | 3.6691% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 1,147 |
| Loan loss allowance to noncurrent loans | 338.3793% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 3,381 |
| Noncurrent loans to loans | 0.5325% | 3,591 |
| Net loans and leases to total assets | 79.4986% | 887 |
| Net loans and leases to deposits | 95.4478% | 991 |
| Net loans and leases to core deposits | 100.2634% | 1,460 |
| Total domestic deposits to total assets | 83.2901% | 3,797 |
| Equity capital to assets | 14.8612% | 726 |
| Core capital (leverage) ratio | 14.5363% | 693 |
| Tier 1 risk-based capital ratio | 17.7600% | 2,050 |
| Total risk-based capital ratio | 19.0256% | 2,010 |
| Memoranda: | ||
| Average total assets | $258,843,500 | 2,471 |
| Average earning assets | $236,987,500 | 2,491 |
| Average equity | $38,304,500 | 1,916 |
| Average total loans | $206,214,500 | 2,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,231 |
| Cost of funding earning assets | 0.4757% | 2,392 |
| Net interest margin | 4.1677% | 1,241 |
| Noninterest income to average assets | 1.0293% | 1,116 |
| Noninterest expense to average assets | 2.9135% | 2,809 |
| Loan and lease loss provision to assets | 0.0935% | 2,444 |
| Net operating income to assets | 1.1927% | 1,576 |
| Return on assets (ROA) | 1.1927% | 1,652 |
| Pretax return on assets | 1.8642% | 704 |
| Return on Equity (ROE) | 8.2835% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.2835% | 827 |
| Net charge-offs to loans | 0.0868% | 2,584 |
| Credit loss provision to net charge-offs | 142.3529% | 1,849 |
| Earnings coverage of net charge-offs (x) | 29.8059% | 1,463 |
| Efficiency ratio | 59.8112% | 4,933 |
| Assets per employee ($millions) | 3.8967% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 1,133 |
| Loan loss allowance to noncurrent loans | 300.9959% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 3,235 |
| Noncurrent loans to loans | 0.5979% | 3,381 |
| Net loans and leases to total assets | 76.9510% | 1,261 |
| Net loans and leases to deposits | 92.5382% | 1,344 |
| Net loans and leases to core deposits | 97.1456% | 1,746 |
| Total domestic deposits to total assets | 83.1560% | 3,791 |
| Equity capital to assets | 14.7346% | 719 |
| Core capital (leverage) ratio | 13.4776% | 977 |
| Tier 1 risk-based capital ratio | 19.2515% | 1,645 |
| Total risk-based capital ratio | 20.5185% | 1,599 |
| Memoranda: | ||
| Average total assets | $258,825,400 | 2,432 |
| Average earning assets | $238,596,000 | 2,440 |
| Average equity | $37,267,000 | 1,921 |
| Average total loans | $195,901,600 | 2,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,357 |
| Cost of funding earning assets | 0.4819% | 2,390 |
| Net interest margin | 4.1065% | 1,396 |
| Noninterest income to average assets | 0.9638% | 1,280 |
| Noninterest expense to average assets | 2.8766% | 2,921 |
| Loan and lease loss provision to assets | 0.0442% | 3,329 |
| Net operating income to assets | 1.1732% | 1,739 |
| Return on assets (ROA) | 1.1732% | 1,812 |
| Pretax return on assets | 1.8294% | 841 |
| Return on Equity (ROE) | 8.1953% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.1953% | 1,171 |
| Net charge-offs to loans | 0.0494% | 2,909 |
| Credit loss provision to net charge-offs | 119.4444% | 1,994 |
| Earnings coverage of net charge-offs (x) | 50.5959% | 1,038 |
| Efficiency ratio | 60.5565% | 4,808 |
| Assets per employee ($millions) | 4.1866% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 1,276 |
| Loan loss allowance to noncurrent loans | 250.3860% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 3,291 |
| Noncurrent loans to loans | 0.7170% | 3,184 |
| Net loans and leases to total assets | 70.6350% | 2,293 |
| Net loans and leases to deposits | 84.8646% | 2,299 |
| Net loans and leases to core deposits | 89.0657% | 2,552 |
| Total domestic deposits to total assets | 83.2325% | 3,722 |
| Equity capital to assets | 13.8552% | 1,086 |
| Core capital (leverage) ratio | 13.8100% | 908 |
| Tier 1 risk-based capital ratio | 20.2302% | 1,500 |
| Total risk-based capital ratio | 21.4976% | 1,462 |
| Memoranda: | ||
| Average total assets | $259,236,000 | 2,449 |
| Average earning assets | $239,028,250 | 2,447 |
| Average equity | $37,110,000 | 1,935 |
| Average total loans | $194,494,000 | 2,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,147 |
| Cost of funding earning assets | 0.5011% | 2,244 |
| Net interest margin | 4.1588% | 1,207 |
| Noninterest income to average assets | 0.9663% | 1,256 |
| Noninterest expense to average assets | 3.0172% | 2,499 |
| Loan and lease loss provision to assets | -0.0339% | 6,001 |
| Net operating income to assets | 1.1659% | 1,720 |
| Return on assets (ROA) | 1.1659% | 1,788 |
| Pretax return on assets | 1.8127% | 874 |
| Return on Equity (ROE) | 8.0504% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.0504% | 1,246 |
| Net charge-offs to loans | -0.1823% | 5,998 |
| Credit loss provision to net charge-offs | 24.4318% | 2,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9112% | 4,535 |
| Assets per employee ($millions) | 3.7678% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,151 |
| Loan loss allowance to noncurrent loans | 198.8673% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 2,983 |
| Noncurrent loans to loans | 0.9578% | 2,733 |
| Net loans and leases to total assets | 75.2183% | 1,476 |
| Net loans and leases to deposits | 91.5014% | 1,423 |
| Net loans and leases to core deposits | 96.7399% | 1,737 |
| Total domestic deposits to total assets | 82.2045% | 4,229 |
| Equity capital to assets | 14.8427% | 732 |
| Core capital (leverage) ratio | 14.1444% | 800 |
| Tier 1 risk-based capital ratio | 20.5336% | 1,446 |
| Total risk-based capital ratio | 21.8038% | 1,417 |
| Memoranda: | ||
| Average total assets | $253,543,000 | 2,517 |
| Average earning assets | $233,479,670 | 2,512 |
| Average equity | $36,718,670 | 1,959 |
| Average total loans | $193,077,670 | 2,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 1,146 |
| Cost of funding earning assets | 0.5070% | 2,227 |
| Net interest margin | 4.1328% | 1,199 |
| Noninterest income to average assets | 0.9556% | 1,220 |
| Noninterest expense to average assets | 3.1579% | 2,097 |
| Loan and lease loss provision to assets | -0.1795% | 6,257 |
| Net operating income to assets | 1.1539% | 1,690 |
| Return on assets (ROA) | 1.1539% | 1,793 |
| Pretax return on assets | 1.7883% | 881 |
| Return on Equity (ROE) | 8.0675% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.0675% | 1,547 |
| Net charge-offs to loans | 0.0415% | 2,402 |
| Credit loss provision to net charge-offs | -570.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | 51.1000% | 825 |
| Efficiency ratio | 66.2483% | 4,112 |
| Assets per employee ($millions) | 3.8729% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 1,549 |
| Loan loss allowance to noncurrent loans | 128.2340% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 2,416 |
| Noncurrent loans to loans | 1.3850% | 2,073 |
| Net loans and leases to total assets | 73.9962% | 1,499 |
| Net loans and leases to deposits | 90.0418% | 1,388 |
| Net loans and leases to core deposits | 95.5644% | 1,644 |
| Total domestic deposits to total assets | 82.1798% | 4,462 |
| Equity capital to assets | 14.3633% | 871 |
| Core capital (leverage) ratio | 14.1053% | 792 |
| Tier 1 risk-based capital ratio | 20.4756% | 1,528 |
| Total risk-based capital ratio | 21.7438% | 1,494 |
| Memoranda: | ||
| Average total assets | $254,094,500 | 2,523 |
| Average earning assets | $234,323,000 | 2,517 |
| Average equity | $36,343,500 | 1,993 |
| Average total loans | $192,832,500 | 2,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 1,229 |
| Cost of funding earning assets | 0.5922% | 1,830 |
| Net interest margin | 4.1422% | 1,457 |
| Noninterest income to average assets | 1.3152% | 710 |
| Noninterest expense to average assets | 2.9168% | 3,091 |
| Loan and lease loss provision to assets | 0.0852% | 2,770 |
| Net operating income to assets | 1.3971% | 1,088 |
| Return on assets (ROA) | 1.3971% | 1,120 |
| Pretax return on assets | 2.1072% | 403 |
| Return on Equity (ROE) | 9.9786% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.0513% | 1,383 |
| Net charge-offs to loans | 0.0176% | 4,509 |
| Credit loss provision to net charge-offs | 642.4242% | 412 |
| Earnings coverage of net charge-offs (x) | 165.3333% | 325 |
| Efficiency ratio | 57.0901% | 5,555 |
| Assets per employee ($millions) | 3.6606% | 4,604 |
| Cash dividends to net income (ytd only)* | 29.3356% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 1,450 |
| Loan loss allowance to noncurrent loans | 116.8639% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 2,152 |
| Noncurrent loans to loans | 1.5753% | 1,856 |
| Net loans and leases to total assets | 75.0451% | 1,416 |
| Net loans and leases to deposits | 91.2812% | 1,366 |
| Net loans and leases to core deposits | 97.3909% | 1,602 |
| Total domestic deposits to total assets | 82.2132% | 4,343 |
| Equity capital to assets | 14.2422% | 889 |
| Core capital (leverage) ratio | 13.6466% | 923 |
| Tier 1 risk-based capital ratio | 19.8517% | 1,625 |
| Total risk-based capital ratio | 21.1119% | 1,596 |
| Memoranda: | ||
| Average total assets | $248,866,600 | 2,538 |
| Average earning assets | $227,944,400 | 2,535 |
| Average equity | $34,844,600 | 2,007 |
| Average total loans | $187,136,200 | 2,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,276 |
| Cost of funding earning assets | 0.6074% | 1,769 |
| Net interest margin | 4.1075% | 1,559 |
| Noninterest income to average assets | 1.0373% | 1,137 |
| Noninterest expense to average assets | 2.8738% | 3,220 |
| Loan and lease loss provision to assets | 0.0715% | 2,917 |
| Net operating income to assets | 1.1788% | 1,753 |
| Return on assets (ROA) | 1.1788% | 1,824 |
| Pretax return on assets | 1.8520% | 800 |
| Return on Equity (ROE) | 8.4560% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.1088% | 1,306 |
| Net charge-offs to loans | -0.1041% | 6,152 |
| Credit loss provision to net charge-offs | -91.7241% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9036% | 5,191 |
| Assets per employee ($millions) | 3.7095% | 4,471 |
| Cash dividends to net income (ytd only)* | 4.1059% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 1,454 |
| Loan loss allowance to noncurrent loans | 105.9762% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 2,180 |
| Noncurrent loans to loans | 1.7910% | 1,811 |
| Net loans and leases to total assets | 74.8525% | 1,386 |
| Net loans and leases to deposits | 92.2002% | 1,206 |
| Net loans and leases to core deposits | 99.6817% | 1,396 |
| Total domestic deposits to total assets | 81.1848% | 4,773 |
| Equity capital to assets | 14.1202% | 964 |
| Core capital (leverage) ratio | 13.6613% | 941 |
| Tier 1 risk-based capital ratio | 19.5022% | 1,779 |
| Total risk-based capital ratio | 20.7625% | 1,745 |
| Memoranda: | ||
| Average total assets | $247,938,250 | 2,558 |
| Average earning assets | $226,963,750 | 2,568 |
| Average equity | $34,562,500 | 2,026 |
| Average total loans | $185,644,250 | 2,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,282 |
| Cost of funding earning assets | 0.6120% | 1,796 |
| Net interest margin | 4.0865% | 1,552 |
| Noninterest income to average assets | 1.0604% | 1,057 |
| Noninterest expense to average assets | 2.9282% | 3,074 |
| Loan and lease loss provision to assets | -0.0049% | 6,215 |
| Net operating income to assets | 1.1943% | 1,610 |
| Return on assets (ROA) | 1.1943% | 1,677 |
| Pretax return on assets | 1.8807% | 718 |
| Return on Equity (ROE) | 8.6055% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.6055% | 1,112 |
| Net charge-offs to loans | -0.1680% | 6,306 |
| Credit loss provision to net charge-offs | 3.8961% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9525% | 5,148 |
| Assets per employee ($millions) | 3.6679% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 1,560 |
| Loan loss allowance to noncurrent loans | 112.0547% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 2,486 |
| Noncurrent loans to loans | 1.7047% | 2,030 |
| Net loans and leases to total assets | 72.5333% | 1,644 |
| Net loans and leases to deposits | 88.9518% | 1,482 |
| Net loans and leases to core deposits | 96.7139% | 1,547 |
| Total domestic deposits to total assets | 81.5422% | 4,802 |
| Equity capital to assets | 14.0271% | 956 |
| Core capital (leverage) ratio | 13.5287% | 966 |
| Tier 1 risk-based capital ratio | 20.3709% | 1,597 |
| Total risk-based capital ratio | 21.6317% | 1,566 |
| Memoranda: | ||
| Average total assets | $246,501,670 | 2,575 |
| Average earning assets | $225,817,670 | 2,584 |
| Average equity | $34,210,670 | 2,030 |
| Average total loans | $183,370,000 | 2,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,314 |
| Cost of funding earning assets | 0.6170% | 1,840 |
| Net interest margin | 4.0576% | 1,581 |
| Noninterest income to average assets | 0.9370% | 1,289 |
| Noninterest expense to average assets | 3.0248% | 2,787 |
| Loan and lease loss provision to assets | -0.1012% | 6,492 |
| Net operating income to assets | 1.1067% | 1,792 |
| Return on assets (ROA) | 1.1067% | 1,846 |
| Pretax return on assets | 1.7385% | 899 |
| Return on Equity (ROE) | 8.0182% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.0182% | 1,587 |
| Net charge-offs to loans | -0.1116% | 6,163 |
| Credit loss provision to net charge-offs | 121.5686% | 1,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8810% | 4,713 |
| Assets per employee ($millions) | 3.7279% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,913 |
| Loan loss allowance to noncurrent loans | 83.0002% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 2,111 |
| Noncurrent loans to loans | 2.2221% | 1,628 |
| Net loans and leases to total assets | 71.6771% | 1,621 |
| Net loans and leases to deposits | 87.2333% | 1,444 |
| Net loans and leases to core deposits | 94.7990% | 1,484 |
| Total domestic deposits to total assets | 82.1672% | 4,897 |
| Equity capital to assets | 13.6774% | 1,045 |
| Core capital (leverage) ratio | 13.6043% | 944 |
| Tier 1 risk-based capital ratio | 20.6684% | 1,542 |
| Total risk-based capital ratio | 21.9288% | 1,513 |
| Memoranda: | ||
| Average total assets | $245,043,500 | 2,595 |
| Average earning assets | $224,960,000 | 2,605 |
| Average equity | $33,823,000 | 2,043 |
| Average total loans | $182,838,000 | 2,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,196 |
| Cost of funding earning assets | 0.6941% | 1,862 |
| Net interest margin | 4.1566% | 1,480 |
| Noninterest income to average assets | 1.2426% | 901 |
| Noninterest expense to average assets | 2.9363% | 3,248 |
| Loan and lease loss provision to assets | 0.1353% | 2,621 |
| Net operating income to assets | 1.2312% | 1,446 |
| Return on assets (ROA) | 1.2312% | 1,510 |
| Pretax return on assets | 1.9802% | 507 |
| Return on Equity (ROE) | 8.8804% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.4600% | 2,304 |
| Net charge-offs to loans | 0.1918% | 2,933 |
| Credit loss provision to net charge-offs | 91.9540% | 2,705 |
| Earnings coverage of net charge-offs (x) | 14.3822% | 1,948 |
| Efficiency ratio | 58.1242% | 5,723 |
| Assets per employee ($millions) | 3.4829% | 4,932 |
| Cash dividends to net income (ytd only)* | 38.5170% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,943 |
| Loan loss allowance to noncurrent loans | 87.9823% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 2,329 |
| Noncurrent loans to loans | 2.0929% | 1,896 |
| Net loans and leases to total assets | 74.8632% | 1,238 |
| Net loans and leases to deposits | 91.8634% | 1,071 |
| Net loans and leases to core deposits | 98.9049% | 1,238 |
| Total domestic deposits to total assets | 81.4940% | 5,039 |
| Equity capital to assets | 13.9333% | 925 |
| Core capital (leverage) ratio | 13.3072% | 1,019 |
| Tier 1 risk-based capital ratio | 20.2021% | 1,612 |
| Total risk-based capital ratio | 21.4627% | 1,574 |
| Memoranda: | ||
| Average total assets | $236,593,400 | 2,650 |
| Average earning assets | $216,813,000 | 2,657 |
| Average equity | $32,802,400 | 2,096 |
| Average total loans | $181,454,600 | 2,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,189 |
| Cost of funding earning assets | 0.7076% | 1,902 |
| Net interest margin | 4.1629% | 1,444 |
| Noninterest income to average assets | 1.1819% | 1,050 |
| Noninterest expense to average assets | 2.9267% | 3,223 |
| Loan and lease loss provision to assets | 0.0837% | 3,386 |
| Net operating income to assets | 1.2520% | 1,484 |
| Return on assets (ROA) | 1.2520% | 1,551 |
| Pretax return on assets | 1.9892% | 586 |
| Return on Equity (ROE) | 9.0420% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.0001% | 1,407 |
| Net charge-offs to loans | 0.1849% | 2,748 |
| Credit loss provision to net charge-offs | 58.9641% | 3,327 |
| Earnings coverage of net charge-offs (x) | 14.5975% | 1,933 |
| Efficiency ratio | 58.5380% | 5,620 |
| Assets per employee ($millions) | 3.4603% | 4,925 |
| Cash dividends to net income (ytd only)* | 11.5228% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 2,258 |
| Loan loss allowance to noncurrent loans | 85.0735% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 2,479 |
| Noncurrent loans to loans | 2.1334% | 2,093 |
| Net loans and leases to total assets | 74.7699% | 1,165 |
| Net loans and leases to deposits | 92.1179% | 976 |
| Net loans and leases to core deposits | 99.5505% | 1,152 |
| Total domestic deposits to total assets | 81.1675% | 5,175 |
| Equity capital to assets | 14.0946% | 939 |
| Core capital (leverage) ratio | 13.7917% | 926 |
| Tier 1 risk-based capital ratio | 19.9207% | 1,753 |
| Total risk-based capital ratio | 21.1805% | 1,724 |
| Memoranda: | ||
| Average total assets | $235,662,500 | 2,680 |
| Average earning assets | $216,124,750 | 2,675 |
| Average equity | $32,632,000 | 2,117 |
| Average total loans | $180,997,250 | 2,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 1,061 |
| Cost of funding earning assets | 0.7269% | 1,867 |
| Net interest margin | 4.1878% | 1,306 |
| Noninterest income to average assets | 1.2445% | 1,006 |
| Noninterest expense to average assets | 2.9868% | 3,042 |
| Loan and lease loss provision to assets | 0.1159% | 2,873 |
| Net operating income to assets | 1.2471% | 1,467 |
| Return on assets (ROA) | 1.2471% | 1,558 |
| Pretax return on assets | 1.9818% | 627 |
| Return on Equity (ROE) | 9.0611% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.4817% | 1,676 |
| Net charge-offs to loans | 0.1195% | 3,171 |
| Credit loss provision to net charge-offs | 125.9259% | 1,792 |
| Earnings coverage of net charge-offs (x) | 22.7870% | 1,351 |
| Efficiency ratio | 58.7427% | 5,635 |
| Assets per employee ($millions) | 3.4411% | 4,974 |
| Cash dividends to net income (ytd only)* | 17.4299% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,210 |
| Loan loss allowance to noncurrent loans | 81.7099% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 2,372 |
| Noncurrent loans to loans | 2.2835% | 2,075 |
| Net loans and leases to total assets | 77.1181% | 853 |
| Net loans and leases to deposits | 94.8185% | 756 |
| Net loans and leases to core deposits | 102.4120% | 918 |
| Total domestic deposits to total assets | 81.3323% | 5,250 |
| Equity capital to assets | 14.0581% | 955 |
| Core capital (leverage) ratio | 13.4483% | 999 |
| Tier 1 risk-based capital ratio | 19.3419% | 1,898 |
| Total risk-based capital ratio | 20.6024% | 1,866 |
| Memoranda: | ||
| Average total assets | $234,630,670 | 2,701 |
| Average earning assets | $215,147,670 | 2,689 |
| Average equity | $32,292,000 | 2,138 |
| Average total loans | $180,723,330 | 2,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 1,079 |
| Cost of funding earning assets | 0.7143% | 2,101 |
| Net interest margin | 4.1873% | 1,224 |
| Noninterest income to average assets | 1.0760% | 1,280 |
| Noninterest expense to average assets | 3.0781% | 2,741 |
| Loan and lease loss provision to assets | 0.0715% | 3,437 |
| Net operating income to assets | 1.1151% | 1,801 |
| Return on assets (ROA) | 1.1151% | 1,908 |
| Pretax return on assets | 1.7689% | 939 |
| Return on Equity (ROE) | 8.1899% | 2,883 |
| Retained earnings to average equity (ytd only) | 7.3897% | 1,989 |
| Net charge-offs to loans | 0.2300% | 2,066 |
| Credit loss provision to net charge-offs | 40.7767% | 2,735 |
| Earnings coverage of net charge-offs (x) | 10.4951% | 1,736 |
| Efficiency ratio | 62.5822% | 5,222 |
| Assets per employee ($millions) | 3.6446% | 4,687 |
| Cash dividends to net income (ytd only)* | 9.7710% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,470 |
| Loan loss allowance to noncurrent loans | 90.0809% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.7444% | 2,676 |
| Noncurrent loans to loans | 2.0463% | 2,571 |
| Net loans and leases to total assets | 73.9844% | 1,078 |
| Net loans and leases to deposits | 91.6372% | 835 |
| Net loans and leases to core deposits | 99.4585% | 980 |
| Total domestic deposits to total assets | 80.7362% | 5,561 |
| Equity capital to assets | 13.4229% | 1,237 |
| Core capital (leverage) ratio | 13.3402% | 1,001 |
| Tier 1 risk-based capital ratio | 19.4017% | 1,939 |
| Total risk-based capital ratio | 20.6622% | 1,910 |
| Memoranda: | ||
| Average total assets | $234,949,500 | 2,724 |
| Average earning assets | $215,604,500 | 2,711 |
| Average equity | $31,990,500 | 2,181 |
| Average total loans | $179,144,000 | 2,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 868 |
| Cost of funding earning assets | 0.8141% | 2,551 |
| Net interest margin | 4.5178% | 913 |
| Noninterest income to average assets | 1.1807% | 1,128 |
| Noninterest expense to average assets | 3.0585% | 3,054 |
| Loan and lease loss provision to assets | 0.2087% | 3,058 |
| Net operating income to assets | 1.2511% | 1,448 |
| Return on assets (ROA) | 1.2511% | 1,604 |
| Pretax return on assets | 2.0232% | 572 |
| Return on Equity (ROE) | 9.0901% | 2,599 |
| Retained earnings to average equity (ytd only) | 4.7270% | 2,899 |
| Net charge-offs to loans | 0.5251% | 2,152 |
| Credit loss provision to net charge-offs | 49.6312% | 4,708 |
| Earnings coverage of net charge-offs (x) | 5.3066% | 3,073 |
| Efficiency ratio | 57.8118% | 5,861 |
| Assets per employee ($millions) | 3.4751% | 5,060 |
| Cash dividends to net income (ytd only)* | 47.9986% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 2,224 |
| Loan loss allowance to noncurrent loans | 76.9040% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1425% | 2,281 |
| Noncurrent loans to loans | 2.5003% | 2,112 |
| Net loans and leases to total assets | 75.6809% | 964 |
| Net loans and leases to deposits | 92.4088% | 881 |
| Net loans and leases to core deposits | 101.2435% | 944 |
| Total domestic deposits to total assets | 81.8979% | 5,134 |
| Equity capital to assets | 13.8183% | 1,112 |
| Core capital (leverage) ratio | 13.2766% | 1,024 |
| Tier 1 risk-based capital ratio | 19.2331% | 1,886 |
| Total risk-based capital ratio | 20.4942% | 1,859 |
| Memoranda: | ||
| Average total assets | $225,636,800 | 2,780 |
| Average earning assets | $205,252,800 | 2,802 |
| Average equity | $31,055,600 | 2,195 |
| Average total loans | $180,716,400 | 2,191 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 867 |
| Cost of funding earning assets | 0.8327% | 2,685 |
| Net interest margin | 4.5468% | 908 |
| Noninterest income to average assets | 1.1131% | 1,217 |
| Noninterest expense to average assets | 3.0474% | 3,070 |
| Loan and lease loss provision to assets | 0.4628% | 1,341 |
| Net operating income to assets | 1.0941% | 2,113 |
| Return on assets (ROA) | 1.0941% | 2,307 |
| Pretax return on assets | 1.7338% | 1,195 |
| Return on Equity (ROE) | 7.9576% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.0706% | 3,320 |
| Net charge-offs to loans | 0.6811% | 1,622 |
| Credit loss provision to net charge-offs | 84.0517% | 3,496 |
| Earnings coverage of net charge-offs (x) | 3.9892% | 3,435 |
| Efficiency ratio | 58.1127% | 5,775 |
| Assets per employee ($millions) | 3.4193% | 5,162 |
| Cash dividends to net income (ytd only)* | 36.2798% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 2,178 |
| Loan loss allowance to noncurrent loans | 97.5183% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.9533% | 2,710 |
| Noncurrent loans to loans | 2.0474% | 2,795 |
| Net loans and leases to total assets | 81.1960% | 416 |
| Net loans and leases to deposits | 99.8648% | 446 |
| Net loans and leases to core deposits | 109.5632% | 588 |
| Total domestic deposits to total assets | 81.3059% | 5,264 |
| Equity capital to assets | 13.9138% | 1,190 |
| Core capital (leverage) ratio | 13.5722% | 988 |
| Tier 1 risk-based capital ratio | 17.5912% | 2,501 |
| Total risk-based capital ratio | 18.8527% | 2,467 |
| Memoranda: | ||
| Average total assets | $224,707,250 | 2,809 |
| Average earning assets | $204,152,000 | 2,827 |
| Average equity | $30,896,250 | 2,220 |
| Average total loans | $181,650,250 | 2,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 904 |
| Cost of funding earning assets | 0.8546% | 2,760 |
| Net interest margin | 4.5279% | 947 |
| Noninterest income to average assets | 1.1552% | 1,066 |
| Noninterest expense to average assets | 3.1232% | 2,840 |
| Loan and lease loss provision to assets | 0.6587% | 861 |
| Net operating income to assets | 0.9412% | 2,706 |
| Return on assets (ROA) | 0.9412% | 2,968 |
| Pretax return on assets | 1.4867% | 1,889 |
| Return on Equity (ROE) | 6.8731% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.1832% | 2,579 |
| Net charge-offs to loans | 0.9095% | 1,209 |
| Credit loss provision to net charge-offs | 90.3423% | 3,039 |
| Earnings coverage of net charge-offs (x) | 2.9425% | 3,569 |
| Efficiency ratio | 59.2793% | 5,698 |
| Assets per employee ($millions) | 3.2852% | 5,483 |
| Cash dividends to net income (ytd only)* | 10.0379% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 1,937 |
| Loan loss allowance to noncurrent loans | 79.9748% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 2.2716% | 2,464 |
| Noncurrent loans to loans | 2.6562% | 2,260 |
| Net loans and leases to total assets | 79.5861% | 555 |
| Net loans and leases to deposits | 98.0516% | 526 |
| Net loans and leases to core deposits | 107.4231% | 684 |
| Total domestic deposits to total assets | 81.1676% | 5,406 |
| Equity capital to assets | 14.1588% | 1,027 |
| Core capital (leverage) ratio | 13.3290% | 1,043 |
| Tier 1 risk-based capital ratio | 18.2333% | 2,218 |
| Total risk-based capital ratio | 19.4965% | 2,184 |
| Memoranda: | ||
| Average total assets | $224,384,670 | 2,823 |
| Average earning assets | $203,848,670 | 2,836 |
| Average equity | $30,728,330 | 2,219 |
| Average total loans | $179,876,330 | 2,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 1,007 |
| Cost of funding earning assets | 0.8693% | 2,923 |
| Net interest margin | 4.4816% | 1,047 |
| Noninterest income to average assets | 1.2290% | 943 |
| Noninterest expense to average assets | 3.2986% | 2,291 |
| Loan and lease loss provision to assets | 0.1183% | 3,868 |
| Net operating income to assets | 1.1972% | 1,743 |
| Return on assets (ROA) | 1.1972% | 1,925 |
| Pretax return on assets | 1.9089% | 866 |
| Return on Equity (ROE) | 8.8889% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.9187% | 2,016 |
| Net charge-offs to loans | 0.1020% | 3,520 |
| Credit loss provision to net charge-offs | 145.6522% | 1,702 |
| Earnings coverage of net charge-offs (x) | 24.9565% | 1,044 |
| Efficiency ratio | 61.9363% | 5,288 |
| Assets per employee ($millions) | 3.4600% | 5,206 |
| Cash dividends to net income (ytd only)* | 10.9145% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,985 |
| Loan loss allowance to noncurrent loans | 92.9269% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0305% | 2,854 |
| Noncurrent loans to loans | 2.3158% | 2,794 |
| Net loans and leases to total assets | 77.6925% | 621 |
| Net loans and leases to deposits | 94.7772% | 619 |
| Net loans and leases to core deposits | 104.4722% | 744 |
| Total domestic deposits to total assets | 81.9739% | 5,306 |
| Equity capital to assets | 13.4926% | 1,245 |
| Core capital (leverage) ratio | 13.0475% | 1,111 |
| Tier 1 risk-based capital ratio | 17.6213% | 2,438 |
| Total risk-based capital ratio | 18.8850% | 2,403 |
| Memoranda: | ||
| Average total assets | $226,522,000 | 2,811 |
| Average earning assets | $207,070,500 | 2,810 |
| Average equity | $30,510,000 | 2,230 |
| Average total loans | $180,325,000 | 2,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 1,855 |
| Cost of funding earning assets | 1.0179% | 3,252 |
| Net interest margin | 4.2352% | 1,943 |
| Noninterest income to average assets | 1.1170% | 1,062 |
| Noninterest expense to average assets | 3.0781% | 3,278 |
| Loan and lease loss provision to assets | 0.3319% | 3,032 |
| Net operating income to assets | 1.0207% | 2,129 |
| Return on assets (ROA) | 1.0207% | 2,271 |
| Pretax return on assets | 1.6403% | 1,122 |
| Return on Equity (ROE) | 7.7876% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.5963% | 1,694 |
| Net charge-offs to loans | 0.5817% | 2,704 |
| Credit loss provision to net charge-offs | 71.6763% | 4,787 |
| Earnings coverage of net charge-offs (x) | 4.2592% | 3,196 |
| Efficiency ratio | 60.9487% | 5,613 |
| Assets per employee ($millions) | 3.4043% | 5,236 |
| Cash dividends to net income (ytd only)* | 15.2972% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 1,873 |
| Loan loss allowance to noncurrent loans | 87.3116% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2236% | 2,708 |
| Noncurrent loans to loans | 2.4787% | 2,655 |
| Net loans and leases to total assets | 78.0867% | 698 |
| Net loans and leases to deposits | 95.0994% | 738 |
| Net loans and leases to core deposits | 108.9334% | 656 |
| Total domestic deposits to total assets | 82.1106% | 5,093 |
| Equity capital to assets | 13.4448% | 1,299 |
| Core capital (leverage) ratio | 12.6461% | 1,291 |
| Tier 1 risk-based capital ratio | 17.2645% | 2,482 |
| Total risk-based capital ratio | 18.5278% | 2,449 |
| Memoranda: | ||
| Average total assets | $224,164,400 | 2,794 |
| Average earning assets | $208,181,800 | 2,748 |
| Average equity | $29,380,000 | 2,241 |
| Average total loans | $178,451,400 | 2,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 2,009 |
| Cost of funding earning assets | 1.0493% | 3,321 |
| Net interest margin | 4.2050% | 2,080 |
| Noninterest income to average assets | 1.0189% | 1,298 |
| Noninterest expense to average assets | 3.0959% | 3,178 |
| Loan and lease loss provision to assets | 0.0399% | 5,943 |
| Net operating income to assets | 1.1040% | 1,950 |
| Return on assets (ROA) | 1.1040% | 2,093 |
| Pretax return on assets | 1.7848% | 982 |
| Return on Equity (ROE) | 8.4779% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.4779% | 1,322 |
| Net charge-offs to loans | 0.0501% | 5,482 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 45.7618% | 691 |
| Efficiency ratio | 62.9173% | 5,256 |
| Assets per employee ($millions) | 3.5224% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3157% | 1,661 |
| Loan loss allowance to noncurrent loans | 62.9049% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.9770% | 2,157 |
| Noncurrent loans to loans | 3.6813% | 1,858 |
| Net loans and leases to total assets | 76.9210% | 847 |
| Net loans and leases to deposits | 93.4104% | 887 |
| Net loans and leases to core deposits | 107.3714% | 791 |
| Total domestic deposits to total assets | 82.3473% | 4,951 |
| Equity capital to assets | 13.1557% | 1,533 |
| Core capital (leverage) ratio | 12.5379% | 1,420 |
| Tier 1 risk-based capital ratio | 16.8849% | 2,681 |
| Total risk-based capital ratio | 18.1506% | 2,647 |
| Memoranda: | ||
| Average total assets | $224,035,250 | 2,803 |
| Average earning assets | $207,872,250 | 2,757 |
| Average equity | $29,173,000 | 2,259 |
| Average total loans | $178,232,500 | 2,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 2,059 |
| Cost of funding earning assets | 1.0848% | 3,354 |
| Net interest margin | 4.1665% | 2,170 |
| Noninterest income to average assets | 0.9937% | 1,338 |
| Noninterest expense to average assets | 3.0909% | 3,289 |
| Loan and lease loss provision to assets | -0.1088% | 7,425 |
| Net operating income to assets | 1.1538% | 1,706 |
| Return on assets (ROA) | 1.1538% | 1,785 |
| Pretax return on assets | 1.8732% | 751 |
| Return on Equity (ROE) | 8.8921% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.8921% | 1,145 |
| Net charge-offs to loans | 0.0439% | 5,241 |
| Credit loss provision to net charge-offs | -310.2564% | 6,441 |
| Earnings coverage of net charge-offs (x) | 50.3077% | 622 |
| Efficiency ratio | 63.6599% | 5,311 |
| Assets per employee ($millions) | 3.5122% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 1,778 |
| Loan loss allowance to noncurrent loans | 89.3215% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0474% | 3,172 |
| Noncurrent loans to loans | 2.5537% | 2,825 |
| Net loans and leases to total assets | 75.3454% | 1,180 |
| Net loans and leases to deposits | 91.5690% | 1,106 |
| Net loans and leases to core deposits | 104.7361% | 1,004 |
| Total domestic deposits to total assets | 82.2826% | 5,069 |
| Equity capital to assets | 12.9371% | 1,547 |
| Core capital (leverage) ratio | 12.3647% | 1,418 |
| Tier 1 risk-based capital ratio | 16.7442% | 2,634 |
| Total risk-based capital ratio | 18.0086% | 2,582 |
| Memoranda: | ||
| Average total assets | $222,394,670 | 2,833 |
| Average earning assets | $206,119,670 | 2,806 |
| Average equity | $28,857,000 | 2,255 |
| Average total loans | $177,546,330 | 2,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 1,541 |
| Cost of funding earning assets | 1.1156% | 3,415 |
| Net interest margin | 4.2890% | 1,590 |
| Noninterest income to average assets | 1.0390% | 1,220 |
| Noninterest expense to average assets | 3.0805% | 3,333 |
| Loan and lease loss provision to assets | 0.2898% | 2,830 |
| Net operating income to assets | 1.0262% | 2,090 |
| Return on assets (ROA) | 1.0262% | 2,137 |
| Pretax return on assets | 1.6350% | 1,117 |
| Return on Equity (ROE) | 7.8966% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.8966% | 1,778 |
| Net charge-offs to loans | 0.3455% | 2,678 |
| Credit loss provision to net charge-offs | 103.2468% | 2,571 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,039 |
| Efficiency ratio | 61.5441% | 5,751 |
| Assets per employee ($millions) | 3.5758% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,740 |
| Loan loss allowance to noncurrent loans | 95.0432% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2071% | 3,054 |
| Noncurrent loans to loans | 2.4346% | 3,057 |
| Net loans and leases to total assets | 78.3342% | 694 |
| Net loans and leases to deposits | 95.3974% | 728 |
| Net loans and leases to core deposits | 109.0897% | 780 |
| Total domestic deposits to total assets | 82.1136% | 5,266 |
| Equity capital to assets | 12.7851% | 1,479 |
| Core capital (leverage) ratio | 12.2175% | 1,452 |
| Tier 1 risk-based capital ratio | 15.5949% | 3,105 |
| Total risk-based capital ratio | 16.8603% | 3,063 |
| Memoranda: | ||
| Average total assets | $219,447,000 | 2,889 |
| Average earning assets | $202,937,500 | 2,858 |
| Average equity | $28,518,500 | 2,268 |
| Average total loans | $178,309,000 | 2,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 2,202 |
| Cost of funding earning assets | 1.2332% | 4,336 |
| Net interest margin | 4.2869% | 1,870 |
| Noninterest income to average assets | 1.2389% | 980 |
| Noninterest expense to average assets | 2.9396% | 4,072 |
| Loan and lease loss provision to assets | 1.3789% | 1,092 |
| Net operating income to assets | 0.5738% | 3,782 |
| Return on assets (ROA) | 0.5738% | 3,947 |
| Pretax return on assets | 0.8951% | 3,311 |
| Return on Equity (ROE) | 4.5218% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.5218% | 2,707 |
| Net charge-offs to loans | 1.9453% | 1,052 |
| Credit loss provision to net charge-offs | 85.8531% | 5,297 |
| Earnings coverage of net charge-offs (x) | 1.4158% | 4,700 |
| Efficiency ratio | 56.3832% | 6,546 |
| Assets per employee ($millions) | 3.2864% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3726% | 1,587 |
| Loan loss allowance to noncurrent loans | 103.6495% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 3,255 |
| Noncurrent loans to loans | 2.2890% | 3,231 |
| Net loans and leases to total assets | 80.4215% | 610 |
| Net loans and leases to deposits | 98.5187% | 673 |
| Net loans and leases to core deposits | 110.0150% | 916 |
| Total domestic deposits to total assets | 81.6307% | 5,314 |
| Equity capital to assets | 13.2176% | 1,294 |
| Core capital (leverage) ratio | 11.6856% | 1,734 |
| Tier 1 risk-based capital ratio | 15.7222% | 2,880 |
| Total risk-based capital ratio | 16.9888% | 2,834 |
| Memoranda: | ||
| Average total assets | $217,853,600 | 2,897 |
| Average earning assets | $201,987,000 | 2,851 |
| Average equity | $27,644,000 | 2,335 |
| Average total loans | $179,867,200 | 2,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4708% | 2,553 |
| Cost of funding earning assets | 1.2391% | 4,632 |
| Net interest margin | 4.2317% | 2,102 |
| Noninterest income to average assets | 1.2011% | 968 |
| Noninterest expense to average assets | 2.9557% | 3,905 |
| Loan and lease loss provision to assets | 1.1213% | 1,298 |
| Net operating income to assets | 0.6669% | 3,559 |
| Return on assets (ROA) | 0.6669% | 3,727 |
| Pretax return on assets | 1.0512% | 2,992 |
| Return on Equity (ROE) | 5.3097% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.3097% | 2,766 |
| Net charge-offs to loans | 1.7798% | 1,093 |
| Credit loss provision to net charge-offs | 76.2635% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 4,620 |
| Efficiency ratio | 57.6366% | 6,321 |
| Assets per employee ($millions) | 3.4517% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3109% | 1,612 |
| Loan loss allowance to noncurrent loans | 136.1130% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 4,230 |
| Noncurrent loans to loans | 1.6977% | 4,089 |
| Net loans and leases to total assets | 78.4020% | 967 |
| Net loans and leases to deposits | 95.6335% | 1,030 |
| Net loans and leases to core deposits | 108.2359% | 1,144 |
| Total domestic deposits to total assets | 81.9817% | 5,002 |
| Equity capital to assets | 12.7061% | 1,753 |
| Core capital (leverage) ratio | 12.0710% | 1,632 |
| Tier 1 risk-based capital ratio | 15.8123% | 2,857 |
| Total risk-based capital ratio | 17.0776% | 2,797 |
| Memoranda: | ||
| Average total assets | $218,912,750 | 2,935 |
| Average earning assets | $203,158,750 | 2,882 |
| Average equity | $27,496,250 | 2,379 |
| Average total loans | $180,841,750 | 2,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 2,512 |
| Cost of funding earning assets | 1.2564% | 4,788 |
| Net interest margin | 4.2436% | 1,994 |
| Noninterest income to average assets | 1.2802% | 780 |
| Noninterest expense to average assets | 2.9792% | 3,786 |
| Loan and lease loss provision to assets | 1.1033% | 1,294 |
| Net operating income to assets | 0.7212% | 3,311 |
| Return on assets (ROA) | 0.7212% | 3,464 |
| Pretax return on assets | 1.1409% | 2,624 |
| Return on Equity (ROE) | 5.7644% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.7644% | 2,461 |
| Net charge-offs to loans | 2.1261% | 851 |
| Credit loss provision to net charge-offs | 62.2222% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.2656% | 4,557 |
| Efficiency ratio | 57.0351% | 6,506 |
| Assets per employee ($millions) | 3.4177% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 1,740 |
| Loan loss allowance to noncurrent loans | 121.3867% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 4,040 |
| Noncurrent loans to loans | 1.8164% | 3,983 |
| Net loans and leases to total assets | 79.8761% | 820 |
| Net loans and leases to deposits | 97.6263% | 910 |
| Net loans and leases to core deposits | 110.9134% | 1,107 |
| Total domestic deposits to total assets | 81.8182% | 5,058 |
| Equity capital to assets | 12.6969% | 1,686 |
| Core capital (leverage) ratio | 11.8999% | 1,706 |
| Tier 1 risk-based capital ratio | 15.6437% | 2,826 |
| Total risk-based capital ratio | 16.9083% | 2,784 |
| Memoranda: | ||
| Average total assets | $218,247,330 | 2,959 |
| Average earning assets | $202,797,330 | 2,902 |
| Average equity | $27,305,330 | 2,388 |
| Average total loans | $182,024,330 | 2,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 2,662 |
| Cost of funding earning assets | 1.2513% | 5,105 |
| Net interest margin | 4.2328% | 1,919 |
| Noninterest income to average assets | 1.4660% | 552 |
| Noninterest expense to average assets | 3.0146% | 3,625 |
| Loan and lease loss provision to assets | 1.7412% | 649 |
| Net operating income to assets | 0.4238% | 4,742 |
| Return on assets (ROA) | 0.4238% | 4,877 |
| Pretax return on assets | 0.6514% | 4,409 |
| Return on Equity (ROE) | 3.4131% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.4131% | 4,109 |
| Net charge-offs to loans | 0.3941% | 2,860 |
| Credit loss provision to net charge-offs | 524.3094% | 804 |
| Earnings coverage of net charge-offs (x) | 7.2044% | 2,119 |
| Efficiency ratio | 55.7516% | 6,800 |
| Assets per employee ($millions) | 3.4777% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9828% | 836 |
| Loan loss allowance to noncurrent loans | 150.8042% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 3,879 |
| Noncurrent loans to loans | 1.9780% | 3,818 |
| Net loans and leases to total assets | 80.7291% | 745 |
| Net loans and leases to deposits | 99.6636% | 779 |
| Net loans and leases to core deposits | 114.5641% | 1,011 |
| Total domestic deposits to total assets | 81.0016% | 5,460 |
| Equity capital to assets | 12.4099% | 1,801 |
| Core capital (leverage) ratio | 11.8803% | 1,705 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,035 |
| Total risk-based capital ratio | 16.4333% | 2,984 |
| Memoranda: | ||
| Average total assets | $218,006,000 | 3,013 |
| Average earning assets | $202,987,500 | 2,955 |
| Average equity | $27,072,000 | 2,431 |
| Average total loans | $183,710,500 | 2,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 3,845 |
| Cost of funding earning assets | 1.6719% | 4,658 |
| Net interest margin | 3.8826% | 3,338 |
| Noninterest income to average assets | 1.6590% | 524 |
| Noninterest expense to average assets | 3.1123% | 3,683 |
| Loan and lease loss provision to assets | 0.7673% | 2,807 |
| Net operating income to assets | 1.0652% | 1,607 |
| Return on assets (ROA) | 1.0652% | 1,653 |
| Pretax return on assets | 1.4041% | 1,428 |
| Return on Equity (ROE) | 8.6786% | 2,131 |
| Retained earnings to average equity (ytd only) | 8.6786% | 546 |
| Net charge-offs to loans | 0.1682% | 5,607 |
| Credit loss provision to net charge-offs | 535.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 15.1400% | 1,326 |
| Efficiency ratio | 58.9034% | 6,633 |
| Assets per employee ($millions) | 3.3894% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5228% | 1,198 |
| Loan loss allowance to noncurrent loans | 473.6308% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 6,264 |
| Noncurrent loans to loans | 0.5327% | 6,186 |
| Net loans and leases to total assets | 83.1837% | 524 |
| Net loans and leases to deposits | 102.8382% | 703 |
| Net loans and leases to core deposits | 135.1939% | 994 |
| Total domestic deposits to total assets | 80.8879% | 5,379 |
| Equity capital to assets | 12.4262% | 1,783 |
| Core capital (leverage) ratio | 11.7964% | 1,757 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,023 |
| Total risk-based capital ratio | 16.1247% | 2,960 |
| Memoranda: | ||
| Average total assets | $209,168,400 | 3,070 |
| Average earning assets | $195,282,800 | 3,032 |
| Average equity | $25,672,400 | 2,550 |
| Average total loans | $178,328,600 | 2,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 4,147 |
| Cost of funding earning assets | 1.7594% | 4,595 |
| Net interest margin | 3.7915% | 3,692 |
| Noninterest income to average assets | 1.7378% | 487 |
| Noninterest expense to average assets | 3.1185% | 3,588 |
| Loan and lease loss provision to assets | 0.6530% | 2,792 |
| Net operating income to assets | 1.2385% | 1,379 |
| Return on assets (ROA) | 1.2385% | 1,443 |
| Pretax return on assets | 1.5087% | 1,391 |
| Return on Equity (ROE) | 10.1240% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.1240% | 619 |
| Net charge-offs to loans | 0.2106% | 4,717 |
| Credit loss provision to net charge-offs | 363.7993% | 1,119 |
| Earnings coverage of net charge-offs (x) | 12.0430% | 1,801 |
| Efficiency ratio | 59.0593% | 6,561 |
| Assets per employee ($millions) | 3.1813% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2805% | 1,319 |
| Loan loss allowance to noncurrent loans | 464.4394% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 6,331 |
| Noncurrent loans to loans | 0.4910% | 6,334 |
| Net loans and leases to total assets | 82.4437% | 749 |
| Net loans and leases to deposits | 103.0077% | 845 |
| Net loans and leases to core deposits | 132.4120% | 1,312 |
| Total domestic deposits to total assets | 80.0365% | 5,419 |
| Equity capital to assets | 12.5288% | 1,935 |
| Core capital (leverage) ratio | 12.0470% | 1,783 |
| Tier 1 risk-based capital ratio | 15.0451% | 3,016 |
| Total risk-based capital ratio | 16.3098% | 2,952 |
| Memoranda: | ||
| Average total assets | $207,230,500 | 3,108 |
| Average earning assets | $193,620,000 | 3,072 |
| Average equity | $25,351,750 | 2,596 |
| Average total loans | $176,632,750 | 2,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,449 |
| Cost of funding earning assets | 1.8552% | 4,487 |
| Net interest margin | 3.6739% | 4,070 |
| Noninterest income to average assets | 2.0618% | 353 |
| Noninterest expense to average assets | 3.2476% | 3,159 |
| Loan and lease loss provision to assets | 0.7347% | 2,231 |
| Net operating income to assets | 1.3622% | 1,097 |
| Return on assets (ROA) | 1.3622% | 1,166 |
| Pretax return on assets | 1.5142% | 1,403 |
| Return on Equity (ROE) | 11.2286% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.2286% | 532 |
| Net charge-offs to loans | 0.2039% | 4,254 |
| Credit loss provision to net charge-offs | 421.2291% | 1,097 |
| Earnings coverage of net charge-offs (x) | 12.8939% | 1,777 |
| Efficiency ratio | 59.0853% | 6,679 |
| Assets per employee ($millions) | 2.9629% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2663% | 1,145 |
| Loan loss allowance to noncurrent loans | 529.5699% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 6,474 |
| Noncurrent loans to loans | 0.4280% | 6,449 |
| Net loans and leases to total assets | 83.1090% | 770 |
| Net loans and leases to deposits | 102.3937% | 1,044 |
| Net loans and leases to core deposits | 136.1661% | 1,199 |
| Total domestic deposits to total assets | 81.1661% | 5,010 |
| Equity capital to assets | 12.8033% | 1,787 |
| Core capital (leverage) ratio | 11.9954% | 1,830 |
| Tier 1 risk-based capital ratio | 15.1660% | 2,954 |
| Total risk-based capital ratio | 16.4306% | 2,882 |
| Memoranda: | ||
| Average total assets | $205,257,670 | 3,166 |
| Average earning assets | $191,895,670 | 3,121 |
| Average equity | $24,900,670 | 2,646 |
| Average total loans | $175,567,330 | 2,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 4,910 |
| Cost of funding earning assets | 1.9403% | 4,430 |
| Net interest margin | 3.5606% | 4,485 |
| Noninterest income to average assets | 3.0243% | 210 |
| Noninterest expense to average assets | 3.1079% | 3,345 |
| Loan and lease loss provision to assets | 1.4684% | 857 |
| Net operating income to assets | 1.9196% | 408 |
| Return on assets (ROA) | 1.9196% | 459 |
| Pretax return on assets | 1.7815% | 1,014 |
| Return on Equity (ROE) | 16.2714% | 782 |
| Retained earnings to average equity (ytd only) | 16.2714% | 319 |
| Net charge-offs to loans | 0.2607% | 3,100 |
| Credit loss provision to net charge-offs | 656.5217% | 883 |
| Earnings coverage of net charge-offs (x) | 14.5304% | 1,662 |
| Efficiency ratio | 48.8835% | 7,676 |
| Assets per employee ($millions) | 3.1392% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 1,002 |
| Loan loss allowance to noncurrent loans | 698.9529% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 6,670 |
| Noncurrent loans to loans | 0.3230% | 6,633 |
| Net loans and leases to total assets | 83.6948% | 734 |
| Net loans and leases to deposits | 103.7621% | 1,025 |
| Net loans and leases to core deposits | 135.1859% | 1,349 |
| Total domestic deposits to total assets | 80.6603% | 5,111 |
| Equity capital to assets | 12.4314% | 2,012 |
| Core capital (leverage) ratio | 11.9714% | 1,913 |
| Tier 1 risk-based capital ratio | 14.5376% | 3,291 |
| Total risk-based capital ratio | 15.8015% | 3,212 |
| Memoranda: | ||
| Average total assets | $205,666,500 | 3,171 |
| Average earning assets | $192,551,500 | 3,118 |
| Average equity | $24,263,500 | 2,735 |
| Average total loans | $176,427,000 | 2,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4238% | 3,300 |
| Cost of funding earning assets | 2.8568% | 2,456 |
| Net interest margin | 3.5670% | 5,031 |
| Noninterest income to average assets | 1.1888% | 1,073 |
| Noninterest expense to average assets | 2.9972% | 4,089 |
| Loan and lease loss provision to assets | 0.3888% | 3,357 |
| Net operating income to assets | 0.7363% | 3,734 |
| Return on assets (ROA) | 0.7363% | 3,568 |
| Pretax return on assets | 1.1372% | 2,890 |
| Return on Equity (ROE) | 6.8681% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.8681% | 1,198 |
| Net charge-offs to loans | 0.1250% | 4,991 |
| Credit loss provision to net charge-offs | 370.3704% | 1,194 |
| Earnings coverage of net charge-offs (x) | 14.5370% | 2,030 |
| Efficiency ratio | 66.2620% | 5,073 |
| Assets per employee ($millions) | 3.0932% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 1,378 |
| Loan loss allowance to noncurrent loans | 579.1738% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,402 |
| Noncurrent loans to loans | 0.3312% | 6,384 |
| Net loans and leases to total assets | 84.2923% | 842 |
| Net loans and leases to deposits | 104.0651% | 1,336 |
| Net loans and leases to core deposits | 131.2954% | 1,767 |
| Total domestic deposits to total assets | 80.9996% | 4,640 |
| Equity capital to assets | 11.1542% | 2,919 |
| Core capital (leverage) ratio | 10.5802% | 2,921 |
| Tier 1 risk-based capital ratio | 12.5430% | 4,410 |
| Total risk-based capital ratio | 13.8021% | 4,307 |
| Memoranda: | ||
| Average total assets | $205,761,200 | 3,055 |
| Average earning assets | $192,348,200 | 3,003 |
| Average equity | $22,058,600 | 2,966 |
| Average total loans | $172,847,000 | 2,580 |