Home > The Evangeline Bank and Trust Company > Performance and Condition Ratios
The Evangeline Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8427% | 780 |
| Cost of funding earning assets | 1.5741% | 1,764 |
| Net interest margin | 4.2686% | 847 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5111% | 2,263 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3558% | 1,310 |
| Return on assets (ROA) | 1.3558% | 1,278 |
| Pretax return on assets | 1.7696% | 923 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.7849% | 1,963 |
| Net charge-offs to loans | 0.0107% | 2,247 |
| Credit loss provision to net charge-offs | 1,306.8966% | 327 |
| Earnings coverage of net charge-offs (x) | 205.6207% | 578 |
| Efficiency ratio | 57.0595% | 3,389 |
| Assets per employee ($millions) | 5.7848% | 2,999 |
| Cash dividends to net income (ytd only)* | 33.1931% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,414 |
| Loan loss allowance to noncurrent loans | 150.7515% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 631 |
| Noncurrent loans to loans | 0.9234% | 807 |
| Net loans and leases to total assets | 84.3000% | 251 |
| Net loans and leases to deposits | 107.4412% | 252 |
| Net loans and leases to core deposits | 133.3657% | 353 |
| Total domestic deposits to total assets | 78.4600% | 3,676 |
| Equity capital to assets | 13.1626% | 831 |
| Core capital (leverage) ratio | 13.3365% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $946,629,600 | 1,032 |
| Average earning assets | $898,485,000 | 1,002 |
| Average equity | $126,368,600 | 783 |
| Average total loans | $812,053,800 | 855 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 783 |
| Cost of funding earning assets | 1.4406% | 1,765 |
| Net interest margin | 4.2637% | 847 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4723% | 2,313 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4738% | 1,179 |
| Return on assets (ROA) | 1.4738% | 1,159 |
| Pretax return on assets | 1.8656% | 906 |
| Return on Equity (ROE) | 11.0000% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.0000% | 1,158 |
| Net charge-offs to loans | 0.0237% | 1,609 |
| Credit loss provision to net charge-offs | 367.1329% | 767 |
| Earnings coverage of net charge-offs (x) | 95.5385% | 940 |
| Efficiency ratio | 56.0297% | 3,400 |
| Assets per employee ($millions) | 5.8334% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,811 |
| Loan loss allowance to noncurrent loans | 136.2360% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 658 |
| Noncurrent loans to loans | 0.9633% | 854 |
| Net loans and leases to total assets | 84.6600% | 235 |
| Net loans and leases to deposits | 109.0785% | 218 |
| Net loans and leases to core deposits | 134.1125% | 290 |
| Total domestic deposits to total assets | 77.6100% | 3,861 |
| Equity capital to assets | 13.3494% | 752 |
| Core capital (leverage) ratio | 13.6059% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $938,878,000 | 1,044 |
| Average earning assets | $891,355,500 | 1,013 |
| Average equity | $125,790,250 | 781 |
| Average total loans | $806,117,500 | 860 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 801 |
| Cost of funding earning assets | 1.2650% | 1,808 |
| Net interest margin | 4.2605% | 851 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5354% | 2,109 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.3834% | 1,374 |
| Return on assets (ROA) | 1.3834% | 1,351 |
| Pretax return on assets | 1.7512% | 1,112 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.3127% | 1,327 |
| Net charge-offs to loans | 0.0316% | 1,256 |
| Credit loss provision to net charge-offs | 416.6667% | 714 |
| Earnings coverage of net charge-offs (x) | 68.5952% | 1,122 |
| Efficiency ratio | 57.6240% | 3,239 |
| Assets per employee ($millions) | 5.6323% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 1,762 |
| Loan loss allowance to noncurrent loans | 133.2686% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 578 |
| Noncurrent loans to loans | 1.0043% | 752 |
| Net loans and leases to total assets | 84.5600% | 239 |
| Net loans and leases to deposits | 108.5227% | 237 |
| Net loans and leases to core deposits | 131.6942% | 306 |
| Total domestic deposits to total assets | 77.9200% | 3,857 |
| Equity capital to assets | 13.1685% | 777 |
| Core capital (leverage) ratio | 13.4970% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $927,110,667 | 1,046 |
| Average earning assets | $879,705,000 | 1,019 |
| Average equity | $124,371,333 | 784 |
| Average total loans | $796,256,667 | 852 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 807 |
| Cost of funding earning assets | 1.0667% | 1,842 |
| Net interest margin | 4.2554% | 868 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.4748% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5203% | 1,144 |
| Return on assets (ROA) | 1.5203% | 1,125 |
| Pretax return on assets | 1.9243% | 880 |
| Return on Equity (ROE) | 11.2200% | 2,436 |
| Retained earnings to average equity (ytd only) | 11.2247% | 1,424 |
| Net charge-offs to loans | 0.0408% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 54.8375% | 1,066 |
| Efficiency ratio | 56.2569% | 3,382 |
| Assets per employee ($millions) | 5.5018% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,931 |
| Loan loss allowance to noncurrent loans | 189.9982% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 830 |
| Noncurrent loans to loans | 0.6966% | 1,093 |
| Net loans and leases to total assets | 84.2400% | 220 |
| Net loans and leases to deposits | 107.4920% | 220 |
| Net loans and leases to core deposits | 128.8392% | 289 |
| Total domestic deposits to total assets | 78.3700% | 3,961 |
| Equity capital to assets | 13.2668% | 701 |
| Core capital (leverage) ratio | 13.6442% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $911,917,000 | 1,084 |
| Average earning assets | $865,436,500 | 1,046 |
| Average equity | $123,513,000 | 799 |
| Average total loans | $784,042,500 | 872 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 465 |
| Cost of funding earning assets | 0.4428% | 1,776 |
| Net interest margin | 4.3099% | 415 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.5531% | 1,960 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 1.2994% | 1,428 |
| Return on assets (ROA) | 1.2994% | 1,392 |
| Pretax return on assets | 1.6607% | 1,017 |
| Return on Equity (ROE) | 9.3500% | 3,014 |
| Retained earnings to average equity (ytd only) | 5.8392% | 2,701 |
| Net charge-offs to loans | 0.0866% | 803 |
| Credit loss provision to net charge-offs | 360.8903% | 820 |
| Earnings coverage of net charge-offs (x) | 26.7234% | 1,751 |
| Efficiency ratio | 57.0772% | 3,461 |
| Assets per employee ($millions) | 5.2590% | 3,461 |
| Cash dividends to net income (ytd only)* | 37.5791% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,352 |
| Loan loss allowance to noncurrent loans | 148.3213% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 829 |
| Noncurrent loans to loans | 0.6770% | 1,106 |
| Net loans and leases to total assets | 85.7400% | 171 |
| Net loans and leases to deposits | 108.1189% | 192 |
| Net loans and leases to core deposits | 123.5289% | 311 |
| Total domestic deposits to total assets | 79.3000% | 3,967 |
| Equity capital to assets | 13.8330% | 593 |
| Core capital (leverage) ratio | 13.9618% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $875,479,400 | 1,104 |
| Average earning assets | $831,565,200 | 1,075 |
| Average equity | $121,608,200 | 803 |
| Average total loans | $726,309,000 | 878 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 433 |
| Cost of funding earning assets | 0.3705% | 1,523 |
| Net interest margin | 4.2130% | 410 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.4864% | 2,053 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.2627% | 1,482 |
| Return on assets (ROA) | 1.2627% | 1,450 |
| Pretax return on assets | 1.5983% | 1,123 |
| Return on Equity (ROE) | 9.0800% | 3,008 |
| Retained earnings to average equity (ytd only) | 9.0804% | 1,620 |
| Net charge-offs to loans | 0.1176% | 533 |
| Credit loss provision to net charge-offs | 310.4762% | 796 |
| Earnings coverage of net charge-offs (x) | 19.6746% | 1,720 |
| Efficiency ratio | 56.7138% | 3,550 |
| Assets per employee ($millions) | 5.1907% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,565 |
| Loan loss allowance to noncurrent loans | 135.0534% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 807 |
| Noncurrent loans to loans | 0.7269% | 1,120 |
| Net loans and leases to total assets | 84.7600% | 200 |
| Net loans and leases to deposits | 104.5102% | 224 |
| Net loans and leases to core deposits | 119.4300% | 266 |
| Total domestic deposits to total assets | 81.1000% | 3,967 |
| Equity capital to assets | 14.0446% | 563 |
| Core capital (leverage) ratio | 14.1556% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $870,841,500 | 1,119 |
| Average earning assets | $827,646,250 | 1,084 |
| Average equity | $121,092,500 | 819 |
| Average total loans | $714,299,500 | 883 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 445 |
| Cost of funding earning assets | 0.3281% | 1,456 |
| Net interest margin | 4.0653% | 429 |
| Noninterest income to average assets | 0.3888% | 2,824 |
| Noninterest expense to average assets | 2.5077% | 1,904 |
| Loan and lease loss provision to assets | 0.2707% | 252 |
| Net operating income to assets | 1.1645% | 1,560 |
| Return on assets (ROA) | 1.1645% | 1,535 |
| Pretax return on assets | 1.4740% | 1,240 |
| Return on Equity (ROE) | 8.4035% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.4035% | 1,472 |
| Net charge-offs to loans | 0.1568% | 409 |
| Credit loss provision to net charge-offs | 213.6861% | 944 |
| Earnings coverage of net charge-offs (x) | 13.7737% | 1,679 |
| Efficiency ratio | 58.9716% | 3,440 |
| Assets per employee ($millions) | 5.1271% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 3,896 |
| Loan loss allowance to noncurrent loans | 111.7414% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 763 |
| Noncurrent loans to loans | 0.8227% | 1,044 |
| Net loans and leases to total assets | 83.0615% | 234 |
| Net loans and leases to deposits | 99.3048% | 299 |
| Net loans and leases to core deposits | 113.2018% | 292 |
| Total domestic deposits to total assets | 83.6430% | 3,762 |
| Equity capital to assets | 13.9033% | 530 |
| Core capital (leverage) ratio | 13.8902% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $865,251,000 | 1,120 |
| Average earning assets | $822,331,000 | 1,088 |
| Average equity | $119,902,667 | 844 |
| Average total loans | $699,130,667 | 885 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 497 |
| Cost of funding earning assets | 0.3099% | 1,554 |
| Net interest margin | 3.9125% | 488 |
| Noninterest income to average assets | 0.4053% | 2,648 |
| Noninterest expense to average assets | 2.3702% | 2,269 |
| Loan and lease loss provision to assets | 0.2750% | 224 |
| Net operating income to assets | 1.1686% | 1,332 |
| Return on assets (ROA) | 1.1686% | 1,329 |
| Pretax return on assets | 1.4790% | 1,054 |
| Return on Equity (ROE) | 8.4470% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.4470% | 1,444 |
| Net charge-offs to loans | 0.1638% | 364 |
| Credit loss provision to net charge-offs | 211.8280% | 758 |
| Earnings coverage of net charge-offs (x) | 13.5090% | 1,390 |
| Efficiency ratio | 57.4701% | 3,739 |
| Assets per employee ($millions) | 5.2619% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,970 |
| Loan loss allowance to noncurrent loans | 109.4955% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 822 |
| Noncurrent loans to loans | 0.8464% | 1,105 |
| Net loans and leases to total assets | 78.4228% | 347 |
| Net loans and leases to deposits | 93.0966% | 400 |
| Net loans and leases to core deposits | 106.7623% | 334 |
| Total domestic deposits to total assets | 84.2381% | 3,718 |
| Equity capital to assets | 13.6318% | 580 |
| Core capital (leverage) ratio | 14.0008% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $859,510,500 | 1,131 |
| Average earning assets | $816,972,000 | 1,105 |
| Average equity | $118,906,500 | 870 |
| Average total loans | $681,204,000 | 902 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 683 |
| Cost of funding earning assets | 0.3977% | 1,560 |
| Net interest margin | 4.0273% | 669 |
| Noninterest income to average assets | 0.4282% | 2,911 |
| Noninterest expense to average assets | 2.7039% | 1,624 |
| Loan and lease loss provision to assets | 0.0777% | 1,570 |
| Net operating income to assets | 1.1511% | 2,106 |
| Return on assets (ROA) | 1.1511% | 2,165 |
| Pretax return on assets | 1.4610% | 1,848 |
| Return on Equity (ROE) | 7.7848% | 3,285 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,172 |
| Net charge-offs to loans | 0.0162% | 1,979 |
| Credit loss provision to net charge-offs | 615.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 121.8500% | 775 |
| Efficiency ratio | 63.7330% | 2,604 |
| Assets per employee ($millions) | 4.9429% | 3,786 |
| Cash dividends to net income (ytd only)* | 46.8956% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,012 |
| Loan loss allowance to noncurrent loans | 94.3402% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 746 |
| Noncurrent loans to loans | 0.9751% | 1,022 |
| Net loans and leases to total assets | 78.6279% | 345 |
| Net loans and leases to deposits | 94.2423% | 377 |
| Net loans and leases to core deposits | 108.0369% | 320 |
| Total domestic deposits to total assets | 83.4316% | 3,713 |
| Equity capital to assets | 14.0459% | 654 |
| Core capital (leverage) ratio | 13.9914% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,917,400 | 1,171 |
| Average earning assets | $750,064,000 | 1,151 |
| Average equity | $117,100,400 | 889 |
| Average total loans | $615,683,800 | 981 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 775 |
| Cost of funding earning assets | 0.4174% | 1,564 |
| Net interest margin | 4.0104% | 780 |
| Noninterest income to average assets | 0.4235% | 2,959 |
| Noninterest expense to average assets | 2.6686% | 1,670 |
| Loan and lease loss provision to assets | 0.0703% | 1,610 |
| Net operating income to assets | 1.1684% | 2,280 |
| Return on assets (ROA) | 1.1684% | 2,342 |
| Pretax return on assets | 1.4791% | 2,048 |
| Return on Equity (ROE) | 7.7966% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.7966% | 2,118 |
| Net charge-offs to loans | 0.0126% | 1,865 |
| Credit loss provision to net charge-offs | 721.0526% | 632 |
| Earnings coverage of net charge-offs (x) | 158.9825% | 651 |
| Efficiency ratio | 63.2671% | 2,499 |
| Assets per employee ($millions) | 4.8872% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,134 |
| Loan loss allowance to noncurrent loans | 91.5683% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 846 |
| Noncurrent loans to loans | 0.9923% | 1,159 |
| Net loans and leases to total assets | 78.8624% | 353 |
| Net loans and leases to deposits | 95.8106% | 356 |
| Net loans and leases to core deposits | 109.5117% | 333 |
| Total domestic deposits to total assets | 82.3107% | 3,862 |
| Equity capital to assets | 14.5463% | 633 |
| Core capital (leverage) ratio | 14.8415% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $779,824,750 | 1,196 |
| Average earning assets | $737,825,750 | 1,177 |
| Average equity | $116,869,000 | 903 |
| Average total loans | $602,896,000 | 1,025 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 956 |
| Cost of funding earning assets | 0.4427% | 1,573 |
| Net interest margin | 3.8869% | 994 |
| Noninterest income to average assets | 0.4461% | 2,871 |
| Noninterest expense to average assets | 2.7047% | 1,580 |
| Loan and lease loss provision to assets | 0.0526% | 1,983 |
| Net operating income to assets | 1.0776% | 2,615 |
| Return on assets (ROA) | 1.0776% | 2,685 |
| Pretax return on assets | 1.3641% | 2,428 |
| Return on Equity (ROE) | 7.1154% | 3,630 |
| Retained earnings to average equity (ytd only) | 7.1154% | 2,388 |
| Net charge-offs to loans | 0.0024% | 2,119 |
| Credit loss provision to net charge-offs | 2,871.4286% | 217 |
| Earnings coverage of net charge-offs (x) | 773.5714% | 179 |
| Efficiency ratio | 65.6256% | 2,207 |
| Assets per employee ($millions) | 4.6493% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,070 |
| Loan loss allowance to noncurrent loans | 92.9782% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 982 |
| Noncurrent loans to loans | 0.9985% | 1,234 |
| Net loans and leases to total assets | 78.0213% | 446 |
| Net loans and leases to deposits | 94.5490% | 437 |
| Net loans and leases to core deposits | 106.5626% | 459 |
| Total domestic deposits to total assets | 82.5195% | 3,815 |
| Equity capital to assets | 14.8144% | 561 |
| Core capital (leverage) ratio | 14.9205% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $764,452,333 | 1,207 |
| Average earning assets | $722,839,000 | 1,196 |
| Average equity | $115,777,333 | 899 |
| Average total loans | $584,751,000 | 1,055 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 1,020 |
| Cost of funding earning assets | 0.4767% | 1,544 |
| Net interest margin | 3.8412% | 1,071 |
| Noninterest income to average assets | 0.4747% | 2,728 |
| Noninterest expense to average assets | 2.7615% | 1,464 |
| Loan and lease loss provision to assets | 0.0133% | 2,607 |
| Net operating income to assets | 1.0481% | 2,644 |
| Return on assets (ROA) | 1.0481% | 2,726 |
| Pretax return on assets | 1.3268% | 2,498 |
| Return on Equity (ROE) | 6.8412% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.8412% | 2,627 |
| Net charge-offs to loans | -0.0028% | 3,209 |
| Credit loss provision to net charge-offs | -625.0000% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3262% | 2,023 |
| Assets per employee ($millions) | 4.4092% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,932 |
| Loan loss allowance to noncurrent loans | 89.5229% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 1,001 |
| Noncurrent loans to loans | 1.0924% | 1,221 |
| Net loans and leases to total assets | 74.9739% | 715 |
| Net loans and leases to deposits | 89.1992% | 751 |
| Net loans and leases to core deposits | 101.8618% | 636 |
| Total domestic deposits to total assets | 84.0522% | 3,419 |
| Equity capital to assets | 15.1692% | 475 |
| Core capital (leverage) ratio | 15.5093% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $749,159,500 | 1,213 |
| Average earning assets | $707,389,500 | 1,199 |
| Average equity | $114,776,000 | 898 |
| Average total loans | $564,070,500 | 1,096 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 953 |
| Cost of funding earning assets | 0.6964% | 1,730 |
| Net interest margin | 3.9711% | 1,043 |
| Noninterest income to average assets | 0.3864% | 3,170 |
| Noninterest expense to average assets | 2.6240% | 2,469 |
| Loan and lease loss provision to assets | 0.2945% | 1,279 |
| Net operating income to assets | 0.9313% | 2,557 |
| Return on assets (ROA) | 0.9313% | 2,704 |
| Pretax return on assets | 1.1824% | 2,393 |
| Return on Equity (ROE) | 5.3858% | 3,783 |
| Retained earnings to average equity (ytd only) | 1.6246% | 3,984 |
| Net charge-offs to loans | 0.1370% | 1,176 |
| Credit loss provision to net charge-offs | 286.2018% | 1,786 |
| Earnings coverage of net charge-offs (x) | 14.3531% | 2,218 |
| Efficiency ratio | 63.9863% | 2,824 |
| Assets per employee ($millions) | 4.3267% | 4,092 |
| Cash dividends to net income (ytd only)* | 69.8361% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,795 |
| Loan loss allowance to noncurrent loans | 90.9960% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 955 |
| Noncurrent loans to loans | 1.1215% | 1,262 |
| Net loans and leases to total assets | 74.0937% | 1,014 |
| Net loans and leases to deposits | 88.4093% | 1,047 |
| Net loans and leases to core deposits | 102.8287% | 777 |
| Total domestic deposits to total assets | 83.8076% | 3,166 |
| Equity capital to assets | 15.4776% | 488 |
| Core capital (leverage) ratio | 15.6116% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $655,025,200 | 1,249 |
| Average earning assets | $612,701,000 | 1,241 |
| Average equity | $113,259,800 | 869 |
| Average total loans | $491,996,800 | 1,157 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,078 |
| Cost of funding earning assets | 0.7462% | 1,771 |
| Net interest margin | 3.9493% | 1,238 |
| Noninterest income to average assets | 0.3992% | 3,085 |
| Noninterest expense to average assets | 2.9497% | 1,564 |
| Loan and lease loss provision to assets | 0.2856% | 1,413 |
| Net operating income to assets | 0.6695% | 3,567 |
| Return on assets (ROA) | 0.6695% | 3,671 |
| Pretax return on assets | 0.8474% | 3,522 |
| Return on Equity (ROE) | 3.7578% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.7578% | 3,166 |
| Net charge-offs to loans | 0.1668% | 885 |
| Credit loss provision to net charge-offs | 227.8057% | 2,003 |
| Earnings coverage of net charge-offs (x) | 9.0369% | 2,454 |
| Efficiency ratio | 72.2494% | 1,615 |
| Assets per employee ($millions) | 4.2253% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,885 |
| Loan loss allowance to noncurrent loans | 88.7024% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 946 |
| Noncurrent loans to loans | 1.0723% | 1,397 |
| Net loans and leases to total assets | 77.5189% | 897 |
| Net loans and leases to deposits | 94.5168% | 880 |
| Net loans and leases to core deposits | 109.8459% | 709 |
| Total domestic deposits to total assets | 82.0160% | 3,415 |
| Equity capital to assets | 16.7187% | 399 |
| Core capital (leverage) ratio | 16.9539% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $634,898,500 | 1,260 |
| Average earning assets | $592,163,500 | 1,253 |
| Average equity | $113,114,000 | 864 |
| Average total loans | $477,345,500 | 1,178 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 1,328 |
| Cost of funding earning assets | 0.7875% | 1,889 |
| Net interest margin | 3.9432% | 1,458 |
| Noninterest income to average assets | 0.4166% | 2,987 |
| Noninterest expense to average assets | 3.1412% | 1,261 |
| Loan and lease loss provision to assets | 0.0904% | 3,134 |
| Net operating income to assets | 0.6791% | 3,467 |
| Return on assets (ROA) | 0.6791% | 3,574 |
| Pretax return on assets | 0.8597% | 3,429 |
| Return on Equity (ROE) | 3.7266% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.7266% | 3,051 |
| Net charge-offs to loans | -0.0048% | 4,007 |
| Credit loss provision to net charge-offs | -2,536.3636% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7768% | 1,185 |
| Assets per employee ($millions) | 4.0931% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 3,874 |
| Loan loss allowance to noncurrent loans | 59.1059% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 641 |
| Noncurrent loans to loans | 1.5760% | 946 |
| Net loans and leases to total assets | 74.6480% | 1,323 |
| Net loans and leases to deposits | 92.3132% | 1,121 |
| Net loans and leases to core deposits | 106.4263% | 877 |
| Total domestic deposits to total assets | 80.8638% | 3,642 |
| Equity capital to assets | 17.2017% | 359 |
| Core capital (leverage) ratio | 17.6683% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $616,954,667 | 1,268 |
| Average earning assets | $574,962,000 | 1,258 |
| Average equity | $112,436,333 | 863 |
| Average total loans | $456,786,333 | 1,199 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 1,118 |
| Cost of funding earning assets | 0.8442% | 2,141 |
| Net interest margin | 4.0857% | 1,161 |
| Noninterest income to average assets | 0.4472% | 2,805 |
| Noninterest expense to average assets | 3.2194% | 1,386 |
| Loan and lease loss provision to assets | 0.0256% | 3,471 |
| Net operating income to assets | 0.7948% | 2,929 |
| Return on assets (ROA) | 0.7948% | 3,016 |
| Pretax return on assets | 1.0062% | 2,827 |
| Return on Equity (ROE) | 4.2285% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.2285% | 2,595 |
| Net charge-offs to loans | -0.0395% | 4,557 |
| Credit loss provision to net charge-offs | -88.3721% | 3,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7288% | 1,592 |
| Assets per employee ($millions) | 3.9261% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,544 |
| Loan loss allowance to noncurrent loans | 67.7282% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 859 |
| Noncurrent loans to loans | 1.5216% | 1,051 |
| Net loans and leases to total assets | 70.6004% | 2,152 |
| Net loans and leases to deposits | 89.9409% | 1,518 |
| Net loans and leases to core deposits | 103.9770% | 1,186 |
| Total domestic deposits to total assets | 78.4964% | 4,133 |
| Equity capital to assets | 18.4824% | 318 |
| Core capital (leverage) ratio | 18.9761% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $593,892,000 | 1,272 |
| Average earning assets | $552,947,500 | 1,261 |
| Average equity | $111,624,000 | 860 |
| Average total loans | $435,364,500 | 1,212 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 1,405 |
| Cost of funding earning assets | 0.7752% | 2,797 |
| Net interest margin | 4.2525% | 1,198 |
| Noninterest income to average assets | 0.4340% | 3,087 |
| Noninterest expense to average assets | 2.8679% | 2,384 |
| Loan and lease loss provision to assets | 0.0802% | 2,393 |
| Net operating income to assets | 1.2054% | 2,038 |
| Return on assets (ROA) | 1.2054% | 2,128 |
| Pretax return on assets | 1.4867% | 1,844 |
| Return on Equity (ROE) | 6.3389% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,101 |
| Net charge-offs to loans | 0.0823% | 1,941 |
| Credit loss provision to net charge-offs | 132.6648% | 1,920 |
| Earnings coverage of net charge-offs (x) | 25.9226% | 1,712 |
| Efficiency ratio | 64.6684% | 2,980 |
| Assets per employee ($millions) | 3.8115% | 4,141 |
| Cash dividends to net income (ytd only)* | 40.7328% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,559 |
| Loan loss allowance to noncurrent loans | 67.0559% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 768 |
| Noncurrent loans to loans | 1.4810% | 983 |
| Net loans and leases to total assets | 74.6027% | 1,651 |
| Net loans and leases to deposits | 95.8410% | 959 |
| Net loans and leases to core deposits | 108.9181% | 917 |
| Total domestic deposits to total assets | 77.8400% | 4,386 |
| Equity capital to assets | 19.1198% | 291 |
| Core capital (leverage) ratio | 18.9237% | 281 |
| Tier 1 risk-based capital ratio | 26.4893% | 646 |
| Total risk-based capital ratio | 27.5300% | 646 |
| Memoranda: | ||
| Average total assets | $577,398,400 | 1,261 |
| Average earning assets | $543,206,200 | 1,253 |
| Average equity | $109,798,800 | 828 |
| Average total loans | $424,089,600 | 1,212 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 1,504 |
| Cost of funding earning assets | 0.7520% | 2,960 |
| Net interest margin | 4.2597% | 1,250 |
| Noninterest income to average assets | 0.4014% | 3,307 |
| Noninterest expense to average assets | 3.0964% | 1,720 |
| Loan and lease loss provision to assets | 0.0824% | 2,256 |
| Net operating income to assets | 0.9797% | 3,054 |
| Return on assets (ROA) | 0.9797% | 3,131 |
| Pretax return on assets | 1.2401% | 2,850 |
| Return on Equity (ROE) | 5.1590% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.1590% | 2,814 |
| Net charge-offs to loans | 0.0853% | 1,625 |
| Credit loss provision to net charge-offs | 132.3420% | 1,799 |
| Earnings coverage of net charge-offs (x) | 21.2378% | 1,921 |
| Efficiency ratio | 70.0718% | 2,103 |
| Assets per employee ($millions) | 3.8626% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,574 |
| Loan loss allowance to noncurrent loans | 59.1597% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 670 |
| Noncurrent loans to loans | 1.6900% | 863 |
| Net loans and leases to total assets | 72.6704% | 2,051 |
| Net loans and leases to deposits | 93.1466% | 1,304 |
| Net loans and leases to core deposits | 106.1845% | 1,169 |
| Total domestic deposits to total assets | 78.0172% | 4,342 |
| Equity capital to assets | 18.9134% | 317 |
| Core capital (leverage) ratio | 18.9460% | 290 |
| Tier 1 risk-based capital ratio | 27.1100% | 632 |
| Total risk-based capital ratio | 28.1674% | 631 |
| Memoranda: | ||
| Average total assets | $575,957,000 | 1,266 |
| Average earning assets | $543,220,000 | 1,250 |
| Average equity | $109,373,500 | 830 |
| Average total loans | $420,257,000 | 1,222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 1,574 |
| Cost of funding earning assets | 0.7161% | 3,077 |
| Net interest margin | 4.2503% | 1,237 |
| Noninterest income to average assets | 0.4126% | 3,186 |
| Noninterest expense to average assets | 3.1355% | 1,648 |
| Loan and lease loss provision to assets | 0.0567% | 2,691 |
| Net operating income to assets | 0.9791% | 2,998 |
| Return on assets (ROA) | 0.9791% | 3,066 |
| Pretax return on assets | 1.2393% | 2,790 |
| Return on Equity (ROE) | 5.1486% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.1486% | 2,697 |
| Net charge-offs to loans | 0.0394% | 2,096 |
| Credit loss provision to net charge-offs | 197.5610% | 1,226 |
| Earnings coverage of net charge-offs (x) | 45.1220% | 1,174 |
| Efficiency ratio | 70.7533% | 2,108 |
| Assets per employee ($millions) | 3.9092% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,436 |
| Loan loss allowance to noncurrent loans | 62.3829% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6111% | 671 |
| Noncurrent loans to loans | 1.6533% | 929 |
| Net loans and leases to total assets | 70.8588% | 2,413 |
| Net loans and leases to deposits | 90.7666% | 1,660 |
| Net loans and leases to core deposits | 102.6435% | 1,504 |
| Total domestic deposits to total assets | 78.0670% | 4,382 |
| Equity capital to assets | 18.8166% | 303 |
| Core capital (leverage) ratio | 18.7511% | 296 |
| Tier 1 risk-based capital ratio | 27.6592% | 581 |
| Total risk-based capital ratio | 28.7504% | 577 |
| Memoranda: | ||
| Average total assets | $570,952,330 | 1,275 |
| Average earning assets | $539,865,670 | 1,256 |
| Average equity | $108,573,670 | 828 |
| Average total loans | $415,743,330 | 1,236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,697 |
| Cost of funding earning assets | 0.6649% | 3,235 |
| Net interest margin | 4.2037% | 1,297 |
| Noninterest income to average assets | 0.4162% | 3,072 |
| Noninterest expense to average assets | 3.1745% | 1,562 |
| Loan and lease loss provision to assets | 0.0930% | 1,871 |
| Net operating income to assets | 0.8863% | 3,286 |
| Return on assets (ROA) | 0.8863% | 3,341 |
| Pretax return on assets | 1.1221% | 3,086 |
| Return on Equity (ROE) | 4.6355% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.6355% | 3,067 |
| Net charge-offs to loans | 0.1006% | 1,137 |
| Credit loss provision to net charge-offs | 125.9615% | 1,379 |
| Earnings coverage of net charge-offs (x) | 16.4519% | 1,697 |
| Efficiency ratio | 72.3184% | 1,986 |
| Assets per employee ($millions) | 3.6831% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,487 |
| Loan loss allowance to noncurrent loans | 43.5984% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 437 |
| Noncurrent loans to loans | 2.3770% | 563 |
| Net loans and leases to total assets | 70.1851% | 2,450 |
| Net loans and leases to deposits | 89.6095% | 1,672 |
| Net loans and leases to core deposits | 99.6672% | 1,652 |
| Total domestic deposits to total assets | 78.3233% | 4,463 |
| Equity capital to assets | 18.6427% | 300 |
| Core capital (leverage) ratio | 19.2307% | 267 |
| Tier 1 risk-based capital ratio | 27.6355% | 581 |
| Total risk-based capital ratio | 28.7278% | 582 |
| Memoranda: | ||
| Average total assets | $563,235,500 | 1,295 |
| Average earning assets | $532,394,000 | 1,272 |
| Average equity | $107,691,500 | 827 |
| Average total loans | $413,697,000 | 1,249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,281 |
| Cost of funding earning assets | 0.4638% | 3,589 |
| Net interest margin | 4.0897% | 1,710 |
| Noninterest income to average assets | 0.4502% | 3,101 |
| Noninterest expense to average assets | 3.0121% | 2,018 |
| Loan and lease loss provision to assets | 0.0963% | 2,237 |
| Net operating income to assets | 1.0188% | 2,930 |
| Return on assets (ROA) | 1.0202% | 2,912 |
| Pretax return on assets | 1.2074% | 2,853 |
| Return on Equity (ROE) | 5.3373% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.6913% | 4,059 |
| Net charge-offs to loans | 0.1406% | 1,352 |
| Credit loss provision to net charge-offs | 98.5240% | 2,586 |
| Earnings coverage of net charge-offs (x) | 13.3229% | 2,472 |
| Efficiency ratio | 69.8194% | 2,215 |
| Assets per employee ($millions) | 3.6062% | 4,441 |
| Cash dividends to net income (ytd only)* | 49.5758% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,526 |
| Loan loss allowance to noncurrent loans | 42.2465% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 390 |
| Noncurrent loans to loans | 2.4259% | 515 |
| Net loans and leases to total assets | 75.3734% | 1,715 |
| Net loans and leases to deposits | 96.2733% | 1,050 |
| Net loans and leases to core deposits | 105.5874% | 1,298 |
| Total domestic deposits to total assets | 78.2911% | 4,443 |
| Equity capital to assets | 19.6304% | 245 |
| Core capital (leverage) ratio | 19.3892% | 251 |
| Tier 1 risk-based capital ratio | 27.8161% | 573 |
| Total risk-based capital ratio | 28.9214% | 575 |
| Memoranda: | ||
| Average total assets | $554,597,400 | 1,278 |
| Average earning assets | $523,978,000 | 1,257 |
| Average equity | $106,008,200 | 808 |
| Average total loans | $385,578,600 | 1,289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 2,564 |
| Cost of funding earning assets | 0.4240% | 3,701 |
| Net interest margin | 3.9964% | 1,972 |
| Noninterest income to average assets | 0.4018% | 3,476 |
| Noninterest expense to average assets | 3.0660% | 1,843 |
| Loan and lease loss provision to assets | 0.0713% | 2,535 |
| Net operating income to assets | 0.7807% | 3,969 |
| Return on assets (ROA) | 0.7809% | 3,978 |
| Pretax return on assets | 1.0413% | 3,600 |
| Return on Equity (ROE) | 4.1126% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.1126% | 3,719 |
| Net charge-offs to loans | 0.1103% | 1,384 |
| Credit loss provision to net charge-offs | 95.2077% | 2,364 |
| Earnings coverage of net charge-offs (x) | 14.8499% | 2,262 |
| Efficiency ratio | 73.3776% | 1,676 |
| Assets per employee ($millions) | 3.6849% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,430 |
| Loan loss allowance to noncurrent loans | 38.1908% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.4388% | 364 |
| Noncurrent loans to loans | 2.7668% | 432 |
| Net loans and leases to total assets | 70.9334% | 2,511 |
| Net loans and leases to deposits | 88.5921% | 2,078 |
| Net loans and leases to core deposits | 97.2069% | 2,001 |
| Total domestic deposits to total assets | 80.0673% | 4,105 |
| Equity capital to assets | 19.1462% | 269 |
| Core capital (leverage) ratio | 19.0311% | 269 |
| Tier 1 risk-based capital ratio | 27.6895% | 588 |
| Total risk-based capital ratio | 28.7837% | 586 |
| Memoranda: | ||
| Average total assets | $557,112,500 | 1,277 |
| Average earning assets | $526,458,250 | 1,255 |
| Average equity | $105,786,500 | 804 |
| Average total loans | $378,301,750 | 1,315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,726 |
| Cost of funding earning assets | 0.3916% | 3,791 |
| Net interest margin | 3.9184% | 2,149 |
| Noninterest income to average assets | 0.4355% | 3,252 |
| Noninterest expense to average assets | 3.0472% | 1,913 |
| Loan and lease loss provision to assets | 0.0791% | 2,324 |
| Net operating income to assets | 0.7589% | 4,002 |
| Return on assets (ROA) | 0.7592% | 4,000 |
| Pretax return on assets | 1.0124% | 3,627 |
| Return on Equity (ROE) | 4.0094% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.0094% | 3,610 |
| Net charge-offs to loans | 0.1344% | 1,116 |
| Credit loss provision to net charge-offs | 88.3534% | 2,175 |
| Earnings coverage of net charge-offs (x) | 12.1847% | 2,219 |
| Efficiency ratio | 73.6334% | 1,766 |
| Assets per employee ($millions) | 3.5904% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,258 |
| Loan loss allowance to noncurrent loans | 44.8748% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1190% | 485 |
| Noncurrent loans to loans | 2.4524% | 536 |
| Net loans and leases to total assets | 66.9948% | 3,013 |
| Net loans and leases to deposits | 83.0136% | 2,653 |
| Net loans and leases to core deposits | 91.6599% | 2,427 |
| Total domestic deposits to total assets | 80.7034% | 4,074 |
| Equity capital to assets | 18.7295% | 279 |
| Core capital (leverage) ratio | 18.9519% | 269 |
| Tier 1 risk-based capital ratio | 28.1558% | 548 |
| Total risk-based capital ratio | 29.2768% | 551 |
| Memoranda: | ||
| Average total assets | $556,114,670 | 1,280 |
| Average earning assets | $525,518,330 | 1,259 |
| Average equity | $105,302,330 | 807 |
| Average total loans | $370,554,000 | 1,337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,772 |
| Cost of funding earning assets | 0.3656% | 3,868 |
| Net interest margin | 3.8681% | 2,165 |
| Noninterest income to average assets | 0.3989% | 3,478 |
| Noninterest expense to average assets | 3.0422% | 1,963 |
| Loan and lease loss provision to assets | 0.1017% | 1,827 |
| Net operating income to assets | 0.6802% | 4,172 |
| Return on assets (ROA) | 0.6808% | 4,175 |
| Pretax return on assets | 0.9075% | 3,824 |
| Return on Equity (ROE) | 3.5754% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,773 |
| Net charge-offs to loans | 0.1925% | 767 |
| Credit loss provision to net charge-offs | 80.0000% | 1,748 |
| Earnings coverage of net charge-offs (x) | 7.9314% | 2,057 |
| Efficiency ratio | 75.1031% | 1,735 |
| Assets per employee ($millions) | 3.6130% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,032 |
| Loan loss allowance to noncurrent loans | 47.2371% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1017% | 522 |
| Noncurrent loans to loans | 2.4592% | 561 |
| Net loans and leases to total assets | 64.9993% | 3,180 |
| Net loans and leases to deposits | 80.7093% | 2,729 |
| Net loans and leases to core deposits | 87.6994% | 2,657 |
| Total domestic deposits to total assets | 80.5351% | 4,310 |
| Equity capital to assets | 19.0253% | 253 |
| Core capital (leverage) ratio | 19.1179% | 248 |
| Tier 1 risk-based capital ratio | 30.7572% | 449 |
| Total risk-based capital ratio | 31.9937% | 445 |
| Memoranda: | ||
| Average total assets | $550,528,500 | 1,300 |
| Average earning assets | $519,739,500 | 1,286 |
| Average equity | $104,828,500 | 812 |
| Average total loans | $363,690,000 | 1,358 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,945 |
| Cost of funding earning assets | 0.3242% | 3,920 |
| Net interest margin | 3.8078% | 2,396 |
| Noninterest income to average assets | 0.5044% | 2,973 |
| Noninterest expense to average assets | 3.0262% | 2,080 |
| Loan and lease loss provision to assets | 0.2073% | 977 |
| Net operating income to assets | 0.5274% | 4,303 |
| Return on assets (ROA) | 0.5370% | 4,306 |
| Pretax return on assets | 0.8739% | 3,996 |
| Return on Equity (ROE) | 2.8843% | 4,865 |
| Retained earnings to average equity (ytd only) | 0.4793% | 4,844 |
| Net charge-offs to loans | 0.4047% | 619 |
| Credit loss provision to net charge-offs | 79.6832% | 2,947 |
| Earnings coverage of net charge-offs (x) | 4.0978% | 3,517 |
| Efficiency ratio | 73.9481% | 1,899 |
| Assets per employee ($millions) | 3.5602% | 4,622 |
| Cash dividends to net income (ytd only)* | 83.3834% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,951 |
| Loan loss allowance to noncurrent loans | 49.8420% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.0519% | 539 |
| Noncurrent loans to loans | 2.3480% | 599 |
| Net loans and leases to total assets | 65.5865% | 3,150 |
| Net loans and leases to deposits | 81.3289% | 2,780 |
| Net loans and leases to core deposits | 88.5768% | 2,681 |
| Total domestic deposits to total assets | 80.6436% | 4,211 |
| Equity capital to assets | 19.0577% | 247 |
| Core capital (leverage) ratio | 18.8769% | 242 |
| Tier 1 risk-based capital ratio | 30.9547% | 420 |
| Total risk-based capital ratio | 32.2047% | 415 |
| Memoranda: | ||
| Average total assets | $558,086,400 | 1,268 |
| Average earning assets | $525,866,600 | 1,243 |
| Average equity | $103,908,000 | 792 |
| Average total loans | $358,761,400 | 1,354 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,065 |
| Cost of funding earning assets | 0.3198% | 3,933 |
| Net interest margin | 3.7570% | 2,550 |
| Noninterest income to average assets | 0.5328% | 2,822 |
| Noninterest expense to average assets | 3.0653% | 1,904 |
| Loan and lease loss provision to assets | 0.2538% | 678 |
| Net operating income to assets | 0.5412% | 4,609 |
| Return on assets (ROA) | 0.5554% | 4,592 |
| Pretax return on assets | 0.7768% | 4,413 |
| Return on Equity (ROE) | 3.0003% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.0003% | 4,119 |
| Net charge-offs to loans | 0.5210% | 392 |
| Credit loss provision to net charge-offs | 76.3780% | 2,630 |
| Earnings coverage of net charge-offs (x) | 3.0415% | 3,386 |
| Efficiency ratio | 75.2042% | 1,706 |
| Assets per employee ($millions) | 3.5123% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,225 |
| Loan loss allowance to noncurrent loans | 49.2134% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.0231% | 636 |
| Noncurrent loans to loans | 2.3252% | 680 |
| Net loans and leases to total assets | 66.1597% | 3,081 |
| Net loans and leases to deposits | 82.6788% | 2,694 |
| Net loans and leases to core deposits | 89.5375% | 2,651 |
| Total domestic deposits to total assets | 80.0202% | 4,309 |
| Equity capital to assets | 19.0579% | 270 |
| Core capital (leverage) ratio | 19.1801% | 242 |
| Tier 1 risk-based capital ratio | 31.4112% | 430 |
| Total risk-based capital ratio | 32.6612% | 430 |
| Memoranda: | ||
| Average total assets | $560,541,000 | 1,276 |
| Average earning assets | $528,636,250 | 1,254 |
| Average equity | $103,763,250 | 791 |
| Average total loans | $357,489,750 | 1,366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,278 |
| Cost of funding earning assets | 0.3188% | 3,886 |
| Net interest margin | 3.6617% | 2,789 |
| Noninterest income to average assets | 0.5029% | 3,006 |
| Noninterest expense to average assets | 3.0026% | 2,102 |
| Loan and lease loss provision to assets | 0.3506% | 408 |
| Net operating income to assets | 0.4305% | 4,894 |
| Return on assets (ROA) | 0.4305% | 4,922 |
| Pretax return on assets | 0.6019% | 4,801 |
| Return on Equity (ROE) | 2.3480% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.3480% | 4,275 |
| Net charge-offs to loans | 0.1900% | 1,052 |
| Credit loss provision to net charge-offs | 294.0476% | 972 |
| Earnings coverage of net charge-offs (x) | 7.9881% | 2,549 |
| Efficiency ratio | 75.9175% | 1,731 |
| Assets per employee ($millions) | 3.5276% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,722 |
| Loan loss allowance to noncurrent loans | 48.9238% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3252% | 497 |
| Noncurrent loans to loans | 2.9849% | 435 |
| Net loans and leases to total assets | 63.4167% | 3,466 |
| Net loans and leases to deposits | 78.8515% | 3,034 |
| Net loans and leases to core deposits | 85.5643% | 2,925 |
| Total domestic deposits to total assets | 80.4255% | 4,320 |
| Equity capital to assets | 18.7924% | 275 |
| Core capital (leverage) ratio | 18.7007% | 262 |
| Tier 1 risk-based capital ratio | 32.0436% | 401 |
| Total risk-based capital ratio | 33.2979% | 393 |
| Memoranda: | ||
| Average total assets | $563,577,670 | 1,279 |
| Average earning assets | $531,340,330 | 1,250 |
| Average equity | $103,320,670 | 794 |
| Average total loans | $353,637,000 | 1,383 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,538 |
| Cost of funding earning assets | 0.3186% | 3,866 |
| Net interest margin | 3.5449% | 3,099 |
| Noninterest income to average assets | 0.4736% | 3,163 |
| Noninterest expense to average assets | 2.9681% | 2,250 |
| Loan and lease loss provision to assets | 0.1267% | 1,524 |
| Net operating income to assets | 0.5200% | 4,515 |
| Return on assets (ROA) | 0.5200% | 4,548 |
| Pretax return on assets | 0.7220% | 4,378 |
| Return on Equity (ROE) | 2.8715% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.8715% | 3,983 |
| Net charge-offs to loans | 0.2055% | 847 |
| Credit loss provision to net charge-offs | 99.4475% | 1,624 |
| Earnings coverage of net charge-offs (x) | 6.6630% | 2,197 |
| Efficiency ratio | 77.7655% | 1,663 |
| Assets per employee ($millions) | 3.6131% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,629 |
| Loan loss allowance to noncurrent loans | 41.9114% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.3496% | 514 |
| Noncurrent loans to loans | 3.0572% | 446 |
| Net loans and leases to total assets | 62.2217% | 3,509 |
| Net loans and leases to deposits | 77.2036% | 3,056 |
| Net loans and leases to core deposits | 83.5122% | 2,943 |
| Total domestic deposits to total assets | 80.5943% | 4,504 |
| Equity capital to assets | 18.3493% | 283 |
| Core capital (leverage) ratio | 18.6180% | 253 |
| Tier 1 risk-based capital ratio | 32.7023% | 391 |
| Total risk-based capital ratio | 33.9546% | 379 |
| Memoranda: | ||
| Average total assets | $568,448,000 | 1,267 |
| Average earning assets | $536,091,500 | 1,239 |
| Average equity | $102,941,500 | 793 |
| Average total loans | $352,240,500 | 1,392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,723 |
| Cost of funding earning assets | 0.3195% | 3,850 |
| Net interest margin | 3.5364% | 3,298 |
| Noninterest income to average assets | 0.4779% | 3,359 |
| Noninterest expense to average assets | 2.7862% | 3,069 |
| Loan and lease loss provision to assets | 0.1454% | 1,717 |
| Net operating income to assets | 0.6197% | 4,122 |
| Return on assets (ROA) | 0.6197% | 4,243 |
| Pretax return on assets | 0.8896% | 3,883 |
| Return on Equity (ROE) | 3.4332% | 5,034 |
| Retained earnings to average equity (ytd only) | 1.3256% | 4,748 |
| Net charge-offs to loans | 0.0927% | 2,384 |
| Credit loss provision to net charge-offs | 261.3208% | 1,103 |
| Earnings coverage of net charge-offs (x) | 18.6069% | 1,956 |
| Efficiency ratio | 72.9150% | 2,437 |
| Assets per employee ($millions) | 3.6513% | 4,541 |
| Cash dividends to net income (ytd only)* | 61.3887% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,528 |
| Loan loss allowance to noncurrent loans | 43.5944% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.2505% | 568 |
| Noncurrent loans to loans | 2.9906% | 458 |
| Net loans and leases to total assets | 60.1249% | 3,836 |
| Net loans and leases to deposits | 76.4101% | 3,276 |
| Net loans and leases to core deposits | 82.8601% | 3,139 |
| Total domestic deposits to total assets | 78.6870% | 4,870 |
| Equity capital to assets | 17.8731% | 310 |
| Core capital (leverage) ratio | 18.3403% | 265 |
| Tier 1 risk-based capital ratio | 33.2224% | 370 |
| Total risk-based capital ratio | 34.4748% | 368 |
| Memoranda: | ||
| Average total assets | $571,714,600 | 1,221 |
| Average earning assets | $540,500,000 | 1,189 |
| Average equity | $103,198,400 | 767 |
| Average total loans | $343,176,200 | 1,362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 3,866 |
| Cost of funding earning assets | 0.3192% | 3,879 |
| Net interest margin | 3.5026% | 3,458 |
| Noninterest income to average assets | 0.4798% | 3,379 |
| Noninterest expense to average assets | 2.8763% | 2,716 |
| Loan and lease loss provision to assets | 0.0558% | 3,133 |
| Net operating income to assets | 0.6161% | 4,225 |
| Return on assets (ROA) | 0.6161% | 4,344 |
| Pretax return on assets | 0.8616% | 4,115 |
| Return on Equity (ROE) | 3.4047% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.4047% | 3,857 |
| Net charge-offs to loans | 0.0706% | 2,304 |
| Credit loss provision to net charge-offs | 132.0442% | 1,957 |
| Earnings coverage of net charge-offs (x) | 21.7180% | 1,807 |
| Efficiency ratio | 75.8182% | 2,001 |
| Assets per employee ($millions) | 3.7125% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,432 |
| Loan loss allowance to noncurrent loans | 38.8362% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2753% | 635 |
| Noncurrent loans to loans | 3.0111% | 493 |
| Net loans and leases to total assets | 60.1868% | 3,850 |
| Net loans and leases to deposits | 76.1351% | 3,388 |
| Net loans and leases to core deposits | 82.6180% | 3,236 |
| Total domestic deposits to total assets | 79.0526% | 4,710 |
| Equity capital to assets | 18.2230% | 325 |
| Core capital (leverage) ratio | 18.7729% | 241 |
| Tier 1 risk-based capital ratio | 33.8698% | 359 |
| Total risk-based capital ratio | 35.1209% | 358 |
| Memoranda: | ||
| Average total assets | $571,329,000 | 1,223 |
| Average earning assets | $540,540,500 | 1,189 |
| Average equity | $103,383,250 | 769 |
| Average total loans | $341,664,500 | 1,365 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,964 |
| Cost of funding earning assets | 0.3206% | 3,894 |
| Net interest margin | 3.4759% | 3,584 |
| Noninterest income to average assets | 0.4811% | 3,325 |
| Noninterest expense to average assets | 2.8998% | 2,676 |
| Loan and lease loss provision to assets | 0.0582% | 2,974 |
| Net operating income to assets | 0.5814% | 4,347 |
| Return on assets (ROA) | 0.5814% | 4,472 |
| Pretax return on assets | 0.8134% | 4,234 |
| Return on Equity (ROE) | 3.2209% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.2209% | 3,843 |
| Net charge-offs to loans | 0.0655% | 2,255 |
| Credit loss provision to net charge-offs | 149.5495% | 1,595 |
| Earnings coverage of net charge-offs (x) | 22.3784% | 1,630 |
| Efficiency ratio | 76.8887% | 1,946 |
| Assets per employee ($millions) | 3.6867% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,439 |
| Loan loss allowance to noncurrent loans | 39.4699% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.3475% | 626 |
| Noncurrent loans to loans | 3.0009% | 499 |
| Net loans and leases to total assets | 60.1724% | 3,863 |
| Net loans and leases to deposits | 76.4548% | 3,331 |
| Net loans and leases to core deposits | 81.5281% | 3,314 |
| Total domestic deposits to total assets | 78.7033% | 4,847 |
| Equity capital to assets | 18.3125% | 313 |
| Core capital (leverage) ratio | 18.4943% | 258 |
| Tier 1 risk-based capital ratio | 33.9076% | 365 |
| Total risk-based capital ratio | 35.1588% | 357 |
| Memoranda: | ||
| Average total assets | $569,961,330 | 1,231 |
| Average earning assets | $539,547,670 | 1,200 |
| Average equity | $102,890,670 | 772 |
| Average total loans | $338,742,000 | 1,377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,069 |
| Cost of funding earning assets | 0.3208% | 3,937 |
| Net interest margin | 3.4470% | 3,680 |
| Noninterest income to average assets | 0.4714% | 3,334 |
| Noninterest expense to average assets | 2.8557% | 2,861 |
| Loan and lease loss provision to assets | 0.0623% | 2,703 |
| Net operating income to assets | 0.5737% | 4,294 |
| Return on assets (ROA) | 0.5737% | 4,411 |
| Pretax return on assets | 0.8195% | 4,135 |
| Return on Equity (ROE) | 3.2008% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.2008% | 3,902 |
| Net charge-offs to loans | 0.0585% | 1,924 |
| Credit loss provision to net charge-offs | 181.6327% | 1,146 |
| Earnings coverage of net charge-offs (x) | 25.6939% | 1,288 |
| Efficiency ratio | 76.4055% | 2,122 |
| Assets per employee ($millions) | 3.7649% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,383 |
| Loan loss allowance to noncurrent loans | 37.5276% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 648 |
| Noncurrent loans to loans | 3.2431% | 458 |
| Net loans and leases to total assets | 57.8669% | 4,056 |
| Net loans and leases to deposits | 73.1761% | 3,530 |
| Net loans and leases to core deposits | 78.0641% | 3,485 |
| Total domestic deposits to total assets | 79.0790% | 4,953 |
| Equity capital to assets | 17.9617% | 326 |
| Core capital (leverage) ratio | 18.4648% | 261 |
| Tier 1 risk-based capital ratio | 33.6477% | 376 |
| Total risk-based capital ratio | 34.8988% | 367 |
| Memoranda: | ||
| Average total assets | $571,064,500 | 1,230 |
| Average earning assets | $541,101,000 | 1,202 |
| Average equity | $102,351,000 | 778 |
| Average total loans | $335,249,500 | 1,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 3,957 |
| Cost of funding earning assets | 0.3353% | 3,844 |
| Net interest margin | 3.4920% | 3,554 |
| Noninterest income to average assets | 0.5005% | 3,327 |
| Noninterest expense to average assets | 2.6279% | 3,826 |
| Loan and lease loss provision to assets | 0.0570% | 3,168 |
| Net operating income to assets | 0.8035% | 3,319 |
| Return on assets (ROA) | 0.8035% | 3,403 |
| Pretax return on assets | 1.1080% | 3,010 |
| Return on Equity (ROE) | 4.5672% | 4,709 |
| Retained earnings to average equity (ytd only) | 2.1230% | 4,510 |
| Net charge-offs to loans | 0.0907% | 2,528 |
| Credit loss provision to net charge-offs | 107.9734% | 2,338 |
| Earnings coverage of net charge-offs (x) | 22.0532% | 1,786 |
| Efficiency ratio | 69.2842% | 3,347 |
| Assets per employee ($millions) | 3.7491% | 4,373 |
| Cash dividends to net income (ytd only)* | 53.5168% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,452 |
| Loan loss allowance to noncurrent loans | 73.1487% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4704% | 1,392 |
| Noncurrent loans to loans | 1.6474% | 1,381 |
| Net loans and leases to total assets | 58.1238% | 4,071 |
| Net loans and leases to deposits | 73.3500% | 3,567 |
| Net loans and leases to core deposits | 78.1617% | 3,532 |
| Total domestic deposits to total assets | 79.2418% | 4,917 |
| Equity capital to assets | 17.8838% | 325 |
| Core capital (leverage) ratio | 18.1132% | 284 |
| Tier 1 risk-based capital ratio | 34.6205% | 343 |
| Total risk-based capital ratio | 35.8720% | 341 |
| Memoranda: | ||
| Average total assets | $569,780,200 | 1,200 |
| Average earning assets | $537,197,600 | 1,171 |
| Average equity | $100,236,600 | 770 |
| Average total loans | $332,029,800 | 1,350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 4,013 |
| Cost of funding earning assets | 0.3379% | 3,888 |
| Net interest margin | 3.4877% | 3,589 |
| Noninterest income to average assets | 0.4928% | 3,418 |
| Noninterest expense to average assets | 2.7155% | 3,507 |
| Loan and lease loss provision to assets | 0.0604% | 2,975 |
| Net operating income to assets | 0.7310% | 3,760 |
| Return on assets (ROA) | 0.7310% | 3,871 |
| Pretax return on assets | 1.0018% | 3,606 |
| Return on Equity (ROE) | 4.1728% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,686 |
| Net charge-offs to loans | 0.0978% | 2,174 |
| Credit loss provision to net charge-offs | 106.1728% | 2,167 |
| Earnings coverage of net charge-offs (x) | 18.6791% | 1,988 |
| Efficiency ratio | 71.8825% | 2,904 |
| Assets per employee ($millions) | 3.8013% | 4,263 |
| Cash dividends to net income (ytd only)* | 6.4020% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 3,728 |
| Loan loss allowance to noncurrent loans | 71.6750% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 1,452 |
| Noncurrent loans to loans | 1.6560% | 1,480 |
| Net loans and leases to total assets | 58.4638% | 4,086 |
| Net loans and leases to deposits | 74.2959% | 3,512 |
| Net loans and leases to core deposits | 79.4825% | 3,465 |
| Total domestic deposits to total assets | 78.6905% | 5,053 |
| Equity capital to assets | 17.6234% | 374 |
| Core capital (leverage) ratio | 18.1851% | 290 |
| Tier 1 risk-based capital ratio | 34.3430% | 370 |
| Total risk-based capital ratio | 35.5942% | 367 |
| Memoranda: | ||
| Average total assets | $569,760,000 | 1,205 |
| Average earning assets | $536,612,750 | 1,182 |
| Average equity | $99,817,500 | 773 |
| Average total loans | $331,221,000 | 1,352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,033 |
| Cost of funding earning assets | 0.3399% | 3,924 |
| Net interest margin | 3.4678% | 3,628 |
| Noninterest income to average assets | 0.5145% | 3,272 |
| Noninterest expense to average assets | 2.6734% | 3,678 |
| Loan and lease loss provision to assets | 0.0746% | 2,624 |
| Net operating income to assets | 0.7355% | 3,712 |
| Return on assets (ROA) | 0.7355% | 3,825 |
| Pretax return on assets | 1.0300% | 3,461 |
| Return on Equity (ROE) | 4.2065% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.2065% | 3,355 |
| Net charge-offs to loans | 0.1206% | 1,807 |
| Credit loss provision to net charge-offs | 107.0707% | 1,960 |
| Earnings coverage of net charge-offs (x) | 15.8535% | 1,946 |
| Efficiency ratio | 70.7619% | 3,201 |
| Assets per employee ($millions) | 3.7681% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 3,700 |
| Loan loss allowance to noncurrent loans | 74.2857% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 1,670 |
| Noncurrent loans to loans | 1.6358% | 1,599 |
| Net loans and leases to total assets | 57.5771% | 4,159 |
| Net loans and leases to deposits | 72.7375% | 3,645 |
| Net loans and leases to core deposits | 77.8295% | 3,597 |
| Total domestic deposits to total assets | 79.1574% | 5,064 |
| Equity capital to assets | 17.6155% | 372 |
| Core capital (leverage) ratio | 18.0411% | 288 |
| Tier 1 risk-based capital ratio | 34.8620% | 364 |
| Total risk-based capital ratio | 36.1135% | 364 |
| Memoranda: | ||
| Average total assets | $568,345,670 | 1,209 |
| Average earning assets | $534,863,330 | 1,186 |
| Average equity | $99,370,330 | 778 |
| Average total loans | $328,423,000 | 1,364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 3,998 |
| Cost of funding earning assets | 0.3422% | 3,964 |
| Net interest margin | 3.4603% | 3,583 |
| Noninterest income to average assets | 0.5950% | 2,675 |
| Noninterest expense to average assets | 2.6252% | 3,844 |
| Loan and lease loss provision to assets | 0.0718% | 2,505 |
| Net operating income to assets | 0.8295% | 3,118 |
| Return on assets (ROA) | 0.8295% | 3,243 |
| Pretax return on assets | 1.1521% | 2,862 |
| Return on Equity (ROE) | 4.7625% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7625% | 3,185 |
| Net charge-offs to loans | 0.1187% | 1,563 |
| Credit loss provision to net charge-offs | 105.1546% | 1,559 |
| Earnings coverage of net charge-offs (x) | 17.9175% | 1,504 |
| Efficiency ratio | 68.2034% | 3,793 |
| Assets per employee ($millions) | 3.8979% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 3,775 |
| Loan loss allowance to noncurrent loans | 64.2743% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6660% | 1,516 |
| Noncurrent loans to loans | 1.9181% | 1,396 |
| Net loans and leases to total assets | 56.2213% | 4,176 |
| Net loans and leases to deposits | 71.4939% | 3,593 |
| Net loans and leases to core deposits | 76.5455% | 3,536 |
| Total domestic deposits to total assets | 78.6379% | 5,328 |
| Equity capital to assets | 17.3844% | 390 |
| Core capital (leverage) ratio | 18.1861% | 275 |
| Tier 1 risk-based capital ratio | 35.0187% | 360 |
| Total risk-based capital ratio | 36.2706% | 358 |
| Memoranda: | ||
| Average total assets | $568,024,500 | 1,215 |
| Average earning assets | $534,173,500 | 1,193 |
| Average equity | $98,940,500 | 781 |
| Average total loans | $326,816,000 | 1,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 4,330 |
| Cost of funding earning assets | 0.3784% | 3,926 |
| Net interest margin | 3.4694% | 3,902 |
| Noninterest income to average assets | 0.3989% | 4,187 |
| Noninterest expense to average assets | 2.5581% | 4,371 |
| Loan and lease loss provision to assets | 0.1440% | 1,840 |
| Net operating income to assets | 0.6946% | 3,923 |
| Return on assets (ROA) | 0.7367% | 3,806 |
| Pretax return on assets | 1.0154% | 3,433 |
| Return on Equity (ROE) | 4.2162% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.0417% | 4,760 |
| Net charge-offs to loans | 0.2350% | 1,798 |
| Credit loss provision to net charge-offs | 113.2312% | 2,098 |
| Earnings coverage of net charge-offs (x) | 8.6616% | 2,846 |
| Efficiency ratio | 69.8984% | 3,548 |
| Assets per employee ($millions) | 3.8304% | 4,289 |
| Cash dividends to net income (ytd only)* | 51.5749% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 3,851 |
| Loan loss allowance to noncurrent loans | 57.7094% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 1,361 |
| Noncurrent loans to loans | 2.1251% | 1,278 |
| Net loans and leases to total assets | 57.4456% | 4,125 |
| Net loans and leases to deposits | 72.9523% | 3,560 |
| Net loans and leases to core deposits | 78.2457% | 3,492 |
| Total domestic deposits to total assets | 78.7441% | 5,298 |
| Equity capital to assets | 17.4529% | 369 |
| Core capital (leverage) ratio | 18.0142% | 288 |
| Tier 1 risk-based capital ratio | 33.8776% | 373 |
| Total risk-based capital ratio | 35.1289% | 367 |
| Memoranda: | ||
| Average total assets | $564,528,000 | 1,172 |
| Average earning assets | $530,588,000 | 1,142 |
| Average equity | $98,644,200 | 742 |
| Average total loans | $305,589,600 | 1,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 4,592 |
| Cost of funding earning assets | 0.3839% | 3,973 |
| Net interest margin | 3.4018% | 4,237 |
| Noninterest income to average assets | 0.4197% | 4,098 |
| Noninterest expense to average assets | 2.6945% | 3,843 |
| Loan and lease loss provision to assets | 0.1277% | 1,962 |
| Net operating income to assets | 0.5370% | 4,725 |
| Return on assets (ROA) | 0.5370% | 4,796 |
| Pretax return on assets | 0.7973% | 4,375 |
| Return on Equity (ROE) | 3.0720% | 5,512 |
| Retained earnings to average equity (ytd only) | 3.0720% | 4,431 |
| Net charge-offs to loans | 0.1986% | 1,877 |
| Credit loss provision to net charge-offs | 121.0291% | 1,900 |
| Earnings coverage of net charge-offs (x) | 8.7673% | 2,749 |
| Efficiency ratio | 74.4441% | 2,750 |
| Assets per employee ($millions) | 3.7495% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 3,970 |
| Loan loss allowance to noncurrent loans | 50.2629% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.1340% | 1,308 |
| Noncurrent loans to loans | 2.4811% | 1,187 |
| Net loans and leases to total assets | 56.9097% | 4,209 |
| Net loans and leases to deposits | 70.7394% | 3,829 |
| Net loans and leases to core deposits | 75.9100% | 3,753 |
| Total domestic deposits to total assets | 80.4498% | 4,979 |
| Equity capital to assets | 17.9328% | 343 |
| Core capital (leverage) ratio | 17.9868% | 300 |
| Tier 1 risk-based capital ratio | 34.1265% | 385 |
| Total risk-based capital ratio | 35.3780% | 378 |
| Memoranda: | ||
| Average total assets | $564,894,250 | 1,182 |
| Average earning assets | $531,353,250 | 1,149 |
| Average equity | $98,737,500 | 743 |
| Average total loans | $300,119,250 | 1,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,817 |
| Cost of funding earning assets | 0.3889% | 4,005 |
| Net interest margin | 3.3239% | 4,490 |
| Noninterest income to average assets | 0.4064% | 4,200 |
| Noninterest expense to average assets | 2.6760% | 3,955 |
| Loan and lease loss provision to assets | 0.1178% | 2,076 |
| Net operating income to assets | 0.5126% | 4,757 |
| Return on assets (ROA) | 0.5126% | 4,853 |
| Pretax return on assets | 0.7390% | 4,497 |
| Return on Equity (ROE) | 2.9576% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.9576% | 4,321 |
| Net charge-offs to loans | 0.2233% | 1,697 |
| Credit loss provision to net charge-offs | 102.1407% | 1,944 |
| Earnings coverage of net charge-offs (x) | 7.4281% | 2,633 |
| Efficiency ratio | 75.7464% | 2,681 |
| Assets per employee ($millions) | 3.7346% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 3,863 |
| Loan loss allowance to noncurrent loans | 46.5182% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2376% | 1,347 |
| Noncurrent loans to loans | 2.7889% | 1,081 |
| Net loans and leases to total assets | 52.9948% | 4,644 |
| Net loans and leases to deposits | 65.4250% | 4,330 |
| Net loans and leases to core deposits | 70.4735% | 4,221 |
| Total domestic deposits to total assets | 81.0008% | 4,980 |
| Equity capital to assets | 17.6224% | 352 |
| Core capital (leverage) ratio | 17.6055% | 318 |
| Tier 1 risk-based capital ratio | 35.0428% | 344 |
| Total risk-based capital ratio | 36.2945% | 338 |
| Memoranda: | ||
| Average total assets | $566,965,670 | 1,171 |
| Average earning assets | $533,296,000 | 1,140 |
| Average equity | $98,254,330 | 745 |
| Average total loans | $292,839,670 | 1,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,062 |
| Cost of funding earning assets | 0.3955% | 4,028 |
| Net interest margin | 3.2363% | 4,790 |
| Noninterest income to average assets | 0.3638% | 4,481 |
| Noninterest expense to average assets | 2.6541% | 4,101 |
| Loan and lease loss provision to assets | 0.1456% | 1,672 |
| Net operating income to assets | 0.4165% | 5,056 |
| Return on assets (ROA) | 0.4165% | 5,126 |
| Pretax return on assets | 0.6100% | 4,799 |
| Return on Equity (ROE) | 2.4239% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.4239% | 4,620 |
| Net charge-offs to loans | 0.2807% | 1,224 |
| Credit loss provision to net charge-offs | 102.4752% | 1,624 |
| Earnings coverage of net charge-offs (x) | 5.3168% | 2,388 |
| Efficiency ratio | 77.8374% | 2,496 |
| Assets per employee ($millions) | 3.7466% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 3,821 |
| Loan loss allowance to noncurrent loans | 44.5074% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.3476% | 1,389 |
| Noncurrent loans to loans | 3.0452% | 1,035 |
| Net loans and leases to total assets | 50.1764% | 4,890 |
| Net loans and leases to deposits | 61.5923% | 4,599 |
| Net loans and leases to core deposits | 66.3673% | 4,462 |
| Total domestic deposits to total assets | 81.4654% | 5,105 |
| Equity capital to assets | 17.2496% | 371 |
| Core capital (leverage) ratio | 17.4553% | 329 |
| Tier 1 risk-based capital ratio | 36.3162% | 308 |
| Total risk-based capital ratio | 37.5688% | 303 |
| Memoranda: | ||
| Average total assets | $568,489,500 | 1,168 |
| Average earning assets | $535,059,500 | 1,147 |
| Average equity | $97,693,500 | 744 |
| Average total loans | $287,872,000 | 1,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,919 |
| Cost of funding earning assets | 0.4778% | 3,841 |
| Net interest margin | 3.2886% | 4,708 |
| Noninterest income to average assets | 0.4670% | 3,983 |
| Noninterest expense to average assets | 2.4745% | 4,846 |
| Loan and lease loss provision to assets | 0.0881% | 3,345 |
| Net operating income to assets | 0.7146% | 3,725 |
| Return on assets (ROA) | 0.7146% | 3,812 |
| Pretax return on assets | 0.9941% | 3,372 |
| Return on Equity (ROE) | 4.2772% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.0727% | 4,762 |
| Net charge-offs to loans | 0.1410% | 3,400 |
| Credit loss provision to net charge-offs | 124.2054% | 1,915 |
| Earnings coverage of net charge-offs (x) | 15.2592% | 1,887 |
| Efficiency ratio | 69.5739% | 3,908 |
| Assets per employee ($millions) | 3.7582% | 4,353 |
| Cash dividends to net income (ytd only)* | 51.5409% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 3,793 |
| Loan loss allowance to noncurrent loans | 38.3284% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 2.6289% | 1,283 |
| Noncurrent loans to loans | 3.5760% | 864 |
| Net loans and leases to total assets | 49.7186% | 5,116 |
| Net loans and leases to deposits | 60.8609% | 4,848 |
| Net loans and leases to core deposits | 65.6561% | 4,724 |
| Total domestic deposits to total assets | 81.6921% | 4,978 |
| Equity capital to assets | 17.1197% | 387 |
| Core capital (leverage) ratio | 17.1574% | 358 |
| Tier 1 risk-based capital ratio | 36.2362% | 291 |
| Total risk-based capital ratio | 37.4887% | 288 |
| Memoranda: | ||
| Average total assets | $576,716,200 | 1,153 |
| Average earning assets | $541,847,400 | 1,118 |
| Average equity | $96,347,200 | 733 |
| Average total loans | $290,018,000 | 1,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 5,003 |
| Cost of funding earning assets | 0.4954% | 3,809 |
| Net interest margin | 3.2634% | 4,777 |
| Noninterest income to average assets | 0.4704% | 3,998 |
| Noninterest expense to average assets | 2.5792% | 4,465 |
| Loan and lease loss provision to assets | 0.0656% | 3,747 |
| Net operating income to assets | 0.6259% | 4,237 |
| Return on assets (ROA) | 0.6259% | 4,361 |
| Pretax return on assets | 0.8909% | 3,925 |
| Return on Equity (ROE) | 3.7692% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.7692% | 4,003 |
| Net charge-offs to loans | 0.0871% | 3,704 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 21.8629% | 1,529 |
| Efficiency ratio | 72.9469% | 3,228 |
| Assets per employee ($millions) | 3.8696% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 4,271 |
| Loan loss allowance to noncurrent loans | 37.3938% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.5150% | 1,528 |
| Noncurrent loans to loans | 3.5417% | 1,070 |
| Net loans and leases to total assets | 50.6171% | 5,058 |
| Net loans and leases to deposits | 62.0895% | 4,754 |
| Net loans and leases to core deposits | 66.9856% | 4,623 |
| Total domestic deposits to total assets | 81.5228% | 5,078 |
| Equity capital to assets | 16.7710% | 440 |
| Core capital (leverage) ratio | 17.1516% | 375 |
| Tier 1 risk-based capital ratio | 35.8382% | 315 |
| Total risk-based capital ratio | 37.0904% | 308 |
| Memoranda: | ||
| Average total assets | $579,021,750 | 1,160 |
| Average earning assets | $543,876,750 | 1,121 |
| Average equity | $96,145,750 | 739 |
| Average total loans | $291,004,750 | 1,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,990 |
| Cost of funding earning assets | 0.5149% | 3,755 |
| Net interest margin | 3.2343% | 4,823 |
| Noninterest income to average assets | 0.4612% | 4,085 |
| Noninterest expense to average assets | 2.5787% | 4,462 |
| Loan and lease loss provision to assets | 0.0300% | 4,332 |
| Net operating income to assets | 0.6274% | 4,169 |
| Return on assets (ROA) | 0.6274% | 4,325 |
| Pretax return on assets | 0.8944% | 3,929 |
| Return on Equity (ROE) | 3.7911% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.7911% | 3,885 |
| Net charge-offs to loans | -0.0041% | 5,602 |
| Credit loss provision to net charge-offs | -1,450.0000% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6117% | 3,203 |
| Assets per employee ($millions) | 3.8857% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,285 |
| Loan loss allowance to noncurrent loans | 41.7022% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.3692% | 1,809 |
| Noncurrent loans to loans | 3.2290% | 1,361 |
| Net loans and leases to total assets | 49.5394% | 5,156 |
| Net loans and leases to deposits | 60.5738% | 4,909 |
| Net loans and leases to core deposits | 65.4795% | 4,743 |
| Total domestic deposits to total assets | 81.7835% | 5,121 |
| Equity capital to assets | 16.6420% | 452 |
| Core capital (leverage) ratio | 16.8153% | 391 |
| Tier 1 risk-based capital ratio | 36.6940% | 291 |
| Total risk-based capital ratio | 37.9467% | 287 |
| Memoranda: | ||
| Average total assets | $579,837,670 | 1,158 |
| Average earning assets | $545,339,330 | 1,121 |
| Average equity | $95,962,000 | 738 |
| Average total loans | $289,419,000 | 1,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 5,126 |
| Cost of funding earning assets | 0.5324% | 3,750 |
| Net interest margin | 3.1787% | 5,004 |
| Noninterest income to average assets | 0.4412% | 4,176 |
| Noninterest expense to average assets | 2.5981% | 4,412 |
| Loan and lease loss provision to assets | 0.0138% | 4,280 |
| Net operating income to assets | 0.5522% | 4,447 |
| Return on assets (ROA) | 0.5522% | 4,599 |
| Pretax return on assets | 0.8217% | 4,077 |
| Return on Equity (ROE) | 3.3456% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.3456% | 4,248 |
| Net charge-offs to loans | -0.0942% | 6,419 |
| Credit loss provision to net charge-offs | -29.4118% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6675% | 2,980 |
| Assets per employee ($millions) | 3.9578% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 4,358 |
| Loan loss allowance to noncurrent loans | 34.3073% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 2.8519% | 1,582 |
| Noncurrent loans to loans | 4.0059% | 1,128 |
| Net loans and leases to total assets | 47.5814% | 5,273 |
| Net loans and leases to deposits | 57.9054% | 5,046 |
| Net loans and leases to core deposits | 62.5934% | 4,894 |
| Total domestic deposits to total assets | 82.1708% | 5,134 |
| Equity capital to assets | 16.3176% | 516 |
| Core capital (leverage) ratio | 16.8923% | 363 |
| Tier 1 risk-based capital ratio | 36.8130% | 295 |
| Total risk-based capital ratio | 38.0658% | 288 |
| Memoranda: | ||
| Average total assets | $580,268,500 | 1,165 |
| Average earning assets | $546,254,000 | 1,130 |
| Average equity | $95,766,500 | 749 |
| Average total loans | $288,760,500 | 1,469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 4,855 |
| Cost of funding earning assets | 0.6907% | 3,568 |
| Net interest margin | 3.4343% | 4,764 |
| Noninterest income to average assets | 0.4809% | 4,034 |
| Noninterest expense to average assets | 2.3878% | 5,439 |
| Loan and lease loss provision to assets | 0.2082% | 3,061 |
| Net operating income to assets | 0.8191% | 3,190 |
| Return on assets (ROA) | 0.8191% | 3,439 |
| Pretax return on assets | 1.1235% | 3,069 |
| Return on Equity (ROE) | 5.0122% | 4,672 |
| Retained earnings to average equity (ytd only) | 2.7440% | 4,309 |
| Net charge-offs to loans | 0.2615% | 3,372 |
| Credit loss provision to net charge-offs | 150.4370% | 1,814 |
| Earnings coverage of net charge-offs (x) | 9.6205% | 2,246 |
| Efficiency ratio | 64.1964% | 4,844 |
| Assets per employee ($millions) | 3.8832% | 4,191 |
| Cash dividends to net income (ytd only)* | 45.2532% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,613 |
| Loan loss allowance to noncurrent loans | 36.5707% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8108% | 1,702 |
| Noncurrent loans to loans | 3.5667% | 1,386 |
| Net loans and leases to total assets | 50.6628% | 5,082 |
| Net loans and leases to deposits | 61.9014% | 4,797 |
| Net loans and leases to core deposits | 67.0800% | 4,636 |
| Total domestic deposits to total assets | 81.8443% | 5,149 |
| Equity capital to assets | 16.6962% | 451 |
| Core capital (leverage) ratio | 16.1634% | 434 |
| Tier 1 risk-based capital ratio | 34.8071% | 346 |
| Total risk-based capital ratio | 36.0592% | 343 |
| Memoranda: | ||
| Average total assets | $578,651,200 | 1,147 |
| Average earning assets | $545,670,000 | 1,106 |
| Average equity | $94,569,200 | 748 |
| Average total loans | $306,322,400 | 1,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 4,910 |
| Cost of funding earning assets | 0.7104% | 3,676 |
| Net interest margin | 3.4624% | 4,800 |
| Noninterest income to average assets | 0.4887% | 3,989 |
| Noninterest expense to average assets | 2.5922% | 4,770 |
| Loan and lease loss provision to assets | 0.2078% | 2,997 |
| Net operating income to assets | 0.6627% | 4,079 |
| Return on assets (ROA) | 0.6627% | 4,348 |
| Pretax return on assets | 0.9502% | 3,916 |
| Return on Equity (ROE) | 4.0768% | 5,257 |
| Retained earnings to average equity (ytd only) | 4.0768% | 4,024 |
| Net charge-offs to loans | 0.2441% | 3,255 |
| Credit loss provision to net charge-offs | 159.6120% | 1,752 |
| Earnings coverage of net charge-offs (x) | 8.8942% | 2,384 |
| Efficiency ratio | 69.1201% | 3,861 |
| Assets per employee ($millions) | 3.9366% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,194 |
| Loan loss allowance to noncurrent loans | 32.4017% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.0570% | 1,699 |
| Noncurrent loans to loans | 3.7648% | 1,410 |
| Net loans and leases to total assets | 52.5587% | 4,975 |
| Net loans and leases to deposits | 64.1835% | 4,688 |
| Net loans and leases to core deposits | 69.9745% | 4,502 |
| Total domestic deposits to total assets | 81.8882% | 5,059 |
| Equity capital to assets | 16.6257% | 512 |
| Core capital (leverage) ratio | 16.2628% | 449 |
| Tier 1 risk-based capital ratio | 33.5525% | 395 |
| Total risk-based capital ratio | 34.8037% | 391 |
| Memoranda: | ||
| Average total assets | $580,607,750 | 1,155 |
| Average earning assets | $546,927,500 | 1,120 |
| Average equity | $94,385,000 | 751 |
| Average total loans | $309,648,500 | 1,364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 4,964 |
| Cost of funding earning assets | 0.7265% | 3,795 |
| Net interest margin | 3.4706% | 4,797 |
| Noninterest income to average assets | 0.4583% | 4,227 |
| Noninterest expense to average assets | 2.6068% | 4,753 |
| Loan and lease loss provision to assets | 0.2082% | 2,992 |
| Net operating income to assets | 0.6517% | 4,104 |
| Return on assets (ROA) | 0.6517% | 4,361 |
| Pretax return on assets | 0.9080% | 4,046 |
| Return on Equity (ROE) | 4.0394% | 5,247 |
| Retained earnings to average equity (ytd only) | 4.0394% | 3,920 |
| Net charge-offs to loans | 0.2089% | 3,315 |
| Credit loss provision to net charge-offs | 186.7284% | 1,515 |
| Earnings coverage of net charge-offs (x) | 10.0123% | 2,110 |
| Efficiency ratio | 70.0185% | 3,760 |
| Assets per employee ($millions) | 3.9299% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,350 |
| Loan loss allowance to noncurrent loans | 30.9048% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 1,740 |
| Noncurrent loans to loans | 3.8827% | 1,434 |
| Net loans and leases to total assets | 52.7197% | 5,001 |
| Net loans and leases to deposits | 64.1494% | 4,748 |
| Net loans and leases to core deposits | 70.2716% | 4,505 |
| Total domestic deposits to total assets | 82.1827% | 5,060 |
| Equity capital to assets | 16.4407% | 517 |
| Core capital (leverage) ratio | 16.1029% | 446 |
| Tier 1 risk-based capital ratio | 33.1162% | 402 |
| Total risk-based capital ratio | 34.3672% | 394 |
| Memoranda: | ||
| Average total assets | $581,251,330 | 1,154 |
| Average earning assets | $546,761,330 | 1,117 |
| Average equity | $93,777,000 | 751 |
| Average total loans | $310,231,000 | 1,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 5,094 |
| Cost of funding earning assets | 0.7426% | 3,922 |
| Net interest margin | 3.4601% | 4,877 |
| Noninterest income to average assets | 0.4020% | 4,653 |
| Noninterest expense to average assets | 2.5735% | 4,906 |
| Loan and lease loss provision to assets | 0.2093% | 2,856 |
| Net operating income to assets | 0.5969% | 4,351 |
| Return on assets (ROA) | 0.5969% | 4,569 |
| Pretax return on assets | 0.8830% | 4,094 |
| Return on Equity (ROE) | 3.7348% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.7348% | 4,346 |
| Net charge-offs to loans | 0.1401% | 3,259 |
| Credit loss provision to net charge-offs | 279.8165% | 1,046 |
| Earnings coverage of net charge-offs (x) | 14.6055% | 1,458 |
| Efficiency ratio | 70.2040% | 3,772 |
| Assets per employee ($millions) | 3.9898% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,607 |
| Loan loss allowance to noncurrent loans | 29.4228% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 3.2028% | 1,809 |
| Noncurrent loans to loans | 3.9953% | 1,536 |
| Net loans and leases to total assets | 51.8033% | 5,048 |
| Net loans and leases to deposits | 62.6488% | 4,815 |
| Net loans and leases to core deposits | 69.8848% | 4,440 |
| Total domestic deposits to total assets | 82.6885% | 5,044 |
| Equity capital to assets | 15.9768% | 580 |
| Core capital (leverage) ratio | 15.8948% | 477 |
| Tier 1 risk-based capital ratio | 32.5208% | 410 |
| Total risk-based capital ratio | 33.7711% | 402 |
| Memoranda: | ||
| Average total assets | $583,026,500 | 1,155 |
| Average earning assets | $549,930,500 | 1,106 |
| Average equity | $93,176,500 | 752 |
| Average total loans | $311,216,000 | 1,368 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 4,653 |
| Cost of funding earning assets | 0.9274% | 3,905 |
| Net interest margin | 3.6790% | 4,397 |
| Noninterest income to average assets | 0.2953% | 5,418 |
| Noninterest expense to average assets | 2.3515% | 5,904 |
| Loan and lease loss provision to assets | 0.2251% | 3,954 |
| Net operating income to assets | 0.8152% | 2,975 |
| Return on assets (ROA) | 0.8155% | 3,137 |
| Pretax return on assets | 1.1788% | 2,532 |
| Return on Equity (ROE) | 5.1222% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.7092% | 3,569 |
| Net charge-offs to loans | 0.5099% | 2,953 |
| Credit loss provision to net charge-offs | 77.1056% | 4,593 |
| Earnings coverage of net charge-offs (x) | 4.8072% | 2,971 |
| Efficiency ratio | 62.6222% | 5,366 |
| Assets per employee ($millions) | 3.9696% | 3,921 |
| Cash dividends to net income (ytd only)* | 27.5855% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,872 |
| Loan loss allowance to noncurrent loans | 24.4650% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 3.5719% | 1,648 |
| Noncurrent loans to loans | 4.4353% | 1,349 |
| Net loans and leases to total assets | 53.7610% | 5,072 |
| Net loans and leases to deposits | 65.0059% | 4,871 |
| Net loans and leases to core deposits | 72.3283% | 4,466 |
| Total domestic deposits to total assets | 82.7016% | 4,881 |
| Equity capital to assets | 15.9863% | 579 |
| Core capital (leverage) ratio | 15.7222% | 496 |
| Tier 1 risk-based capital ratio | 31.1923% | 463 |
| Total risk-based capital ratio | 32.3652% | 457 |
| Memoranda: | ||
| Average total assets | $577,460,200 | 1,138 |
| Average earning assets | $543,050,400 | 1,101 |
| Average equity | $91,932,800 | 739 |
| Average total loans | $330,667,600 | 1,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 4,586 |
| Cost of funding earning assets | 0.9625% | 3,942 |
| Net interest margin | 3.7088% | 4,297 |
| Noninterest income to average assets | 0.2378% | 5,926 |
| Noninterest expense to average assets | 2.5502% | 5,279 |
| Loan and lease loss provision to assets | 0.2311% | 3,705 |
| Net operating income to assets | 0.5486% | 4,328 |
| Return on assets (ROA) | 0.5489% | 4,508 |
| Pretax return on assets | 0.9434% | 3,604 |
| Return on Equity (ROE) | 3.4512% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.4512% | 4,281 |
| Net charge-offs to loans | 0.5663% | 2,545 |
| Credit loss provision to net charge-offs | 70.3730% | 4,475 |
| Earnings coverage of net charge-offs (x) | 3.5749% | 3,389 |
| Efficiency ratio | 68.4766% | 4,222 |
| Assets per employee ($millions) | 3.9102% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 6,131 |
| Loan loss allowance to noncurrent loans | 23.7787% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 3.8458% | 1,606 |
| Noncurrent loans to loans | 4.3270% | 1,513 |
| Net loans and leases to total assets | 57.3932% | 4,608 |
| Net loans and leases to deposits | 69.6184% | 4,358 |
| Net loans and leases to core deposits | 76.0057% | 4,193 |
| Total domestic deposits to total assets | 82.4397% | 4,903 |
| Equity capital to assets | 16.4059% | 566 |
| Core capital (leverage) ratio | 16.0039% | 505 |
| Tier 1 risk-based capital ratio | 30.1759% | 531 |
| Total risk-based capital ratio | 31.2962% | 526 |
| Memoranda: | ||
| Average total assets | $576,935,750 | 1,150 |
| Average earning assets | $542,342,750 | 1,108 |
| Average equity | $91,753,500 | 743 |
| Average total loans | $334,586,000 | 1,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 4,663 |
| Cost of funding earning assets | 0.9992% | 3,953 |
| Net interest margin | 3.6703% | 4,410 |
| Noninterest income to average assets | 0.4188% | 4,525 |
| Noninterest expense to average assets | 2.4999% | 5,537 |
| Loan and lease loss provision to assets | 0.2413% | 3,494 |
| Net operating income to assets | 0.7967% | 3,098 |
| Return on assets (ROA) | 0.7972% | 3,214 |
| Pretax return on assets | 1.1271% | 2,737 |
| Return on Equity (ROE) | 5.0651% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.0651% | 2,963 |
| Net charge-offs to loans | 0.5943% | 2,332 |
| Credit loss provision to net charge-offs | 70.0000% | 4,054 |
| Earnings coverage of net charge-offs (x) | 3.9680% | 3,005 |
| Efficiency ratio | 64.6377% | 5,121 |
| Assets per employee ($millions) | 3.9823% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 6,091 |
| Loan loss allowance to noncurrent loans | 22.9109% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 3.8582% | 1,675 |
| Noncurrent loans to loans | 4.6309% | 1,424 |
| Net loans and leases to total assets | 56.9808% | 4,822 |
| Net loans and leases to deposits | 69.1113% | 4,551 |
| Net loans and leases to core deposits | 76.0083% | 4,316 |
| Total domestic deposits to total assets | 82.4479% | 5,001 |
| Equity capital to assets | 16.1738% | 592 |
| Core capital (leverage) ratio | 15.7187% | 535 |
| Tier 1 risk-based capital ratio | 29.5866% | 559 |
| Total risk-based capital ratio | 30.7252% | 546 |
| Memoranda: | ||
| Average total assets | $580,252,670 | 1,153 |
| Average earning assets | $545,246,330 | 1,108 |
| Average equity | $91,331,670 | 748 |
| Average total loans | $336,516,670 | 1,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 4,585 |
| Cost of funding earning assets | 1.0286% | 3,998 |
| Net interest margin | 3.6573% | 4,296 |
| Noninterest income to average assets | 0.3817% | 4,859 |
| Noninterest expense to average assets | 2.4987% | 5,561 |
| Loan and lease loss provision to assets | 0.2056% | 3,587 |
| Net operating income to assets | 0.8152% | 2,952 |
| Return on assets (ROA) | 0.8162% | 3,005 |
| Pretax return on assets | 1.1171% | 2,691 |
| Return on Equity (ROE) | 5.2569% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.2569% | 3,032 |
| Net charge-offs to loans | 0.2932% | 2,880 |
| Credit loss provision to net charge-offs | 120.4819% | 2,268 |
| Earnings coverage of net charge-offs (x) | 7.7430% | 1,903 |
| Efficiency ratio | 65.4108% | 5,137 |
| Assets per employee ($millions) | 4.2692% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,844 |
| Loan loss allowance to noncurrent loans | 28.2625% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 3.2848% | 2,087 |
| Noncurrent loans to loans | 4.0740% | 1,770 |
| Net loans and leases to total assets | 55.7700% | 5,033 |
| Net loans and leases to deposits | 67.4825% | 4,746 |
| Net loans and leases to core deposits | 76.0048% | 4,306 |
| Total domestic deposits to total assets | 82.6436% | 5,047 |
| Equity capital to assets | 15.3851% | 688 |
| Core capital (leverage) ratio | 15.4757% | 582 |
| Tier 1 risk-based capital ratio | 28.1589% | 622 |
| Total risk-based capital ratio | 29.3660% | 614 |
| Memoranda: | ||
| Average total assets | $583,652,500 | 1,150 |
| Average earning assets | $548,705,500 | 1,113 |
| Average equity | $90,623,000 | 745 |
| Average total loans | $339,644,000 | 1,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 3,914 |
| Cost of funding earning assets | 1.1784% | 4,686 |
| Net interest margin | 3.9596% | 3,215 |
| Noninterest income to average assets | 0.2873% | 5,730 |
| Noninterest expense to average assets | 2.3881% | 6,116 |
| Loan and lease loss provision to assets | 0.7002% | 2,342 |
| Net operating income to assets | 0.7195% | 3,151 |
| Return on assets (ROA) | 0.7544% | 3,106 |
| Pretax return on assets | 0.9512% | 3,100 |
| Return on Equity (ROE) | 4.8109% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.2512% | 3,591 |
| Net charge-offs to loans | 1.2696% | 1,774 |
| Credit loss provision to net charge-offs | 88.0511% | 5,206 |
| Earnings coverage of net charge-offs (x) | 2.0212% | 4,218 |
| Efficiency ratio | 59.7718% | 6,082 |
| Assets per employee ($millions) | 4.1286% | 3,515 |
| Cash dividends to net income (ytd only)* | 32.4192% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,939 |
| Loan loss allowance to noncurrent loans | 25.5714% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.6407% | 1,892 |
| Noncurrent loans to loans | 4.3184% | 1,670 |
| Net loans and leases to total assets | 59.3636% | 4,779 |
| Net loans and leases to deposits | 72.5128% | 4,428 |
| Net loans and leases to core deposits | 81.2067% | 4,022 |
| Total domestic deposits to total assets | 81.8664% | 5,229 |
| Equity capital to assets | 15.6735% | 648 |
| Core capital (leverage) ratio | 15.5314% | 576 |
| Tier 1 risk-based capital ratio | 26.5350% | 703 |
| Total risk-based capital ratio | 27.6725% | 701 |
| Memoranda: | ||
| Average total assets | $570,408,600 | 1,178 |
| Average earning assets | $534,176,800 | 1,144 |
| Average equity | $89,443,200 | 749 |
| Average total loans | $357,276,200 | 1,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 3,939 |
| Cost of funding earning assets | 1.1888% | 4,919 |
| Net interest margin | 3.9911% | 3,148 |
| Noninterest income to average assets | 0.4799% | 4,332 |
| Noninterest expense to average assets | 2.7919% | 4,528 |
| Loan and lease loss provision to assets | 0.4448% | 3,246 |
| Net operating income to assets | 0.6721% | 3,536 |
| Return on assets (ROA) | 0.7128% | 3,511 |
| Pretax return on assets | 1.0361% | 3,046 |
| Return on Equity (ROE) | 4.5455% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.5455% | 3,310 |
| Net charge-offs to loans | 0.9080% | 2,184 |
| Credit loss provision to net charge-offs | 77.3931% | 5,215 |
| Earnings coverage of net charge-offs (x) | 2.4741% | 3,928 |
| Efficiency ratio | 66.2556% | 4,810 |
| Assets per employee ($millions) | 4.0410% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 6,072 |
| Loan loss allowance to noncurrent loans | 27.6816% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 3.9320% | 1,790 |
| Noncurrent loans to loans | 3.8656% | 1,971 |
| Net loans and leases to total assets | 61.9532% | 4,542 |
| Net loans and leases to deposits | 77.6426% | 3,896 |
| Net loans and leases to core deposits | 85.8792% | 3,674 |
| Total domestic deposits to total assets | 79.7927% | 5,775 |
| Equity capital to assets | 16.0423% | 665 |
| Core capital (leverage) ratio | 15.5680% | 627 |
| Tier 1 risk-based capital ratio | 26.5914% | 733 |
| Total risk-based capital ratio | 27.7282% | 720 |
| Memoranda: | ||
| Average total assets | $569,540,750 | 1,190 |
| Average earning assets | $532,839,000 | 1,157 |
| Average equity | $89,317,250 | 745 |
| Average total loans | $360,475,250 | 1,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 4,064 |
| Cost of funding earning assets | 1.1935% | 5,168 |
| Net interest margin | 3.9822% | 3,101 |
| Noninterest income to average assets | 0.4593% | 4,440 |
| Noninterest expense to average assets | 2.6660% | 5,053 |
| Loan and lease loss provision to assets | 0.2628% | 4,297 |
| Net operating income to assets | 0.8451% | 2,750 |
| Return on assets (ROA) | 0.8451% | 2,905 |
| Pretax return on assets | 1.2600% | 2,226 |
| Return on Equity (ROE) | 5.4301% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.4301% | 2,658 |
| Net charge-offs to loans | 0.5180% | 2,979 |
| Credit loss provision to net charge-offs | 79.8722% | 4,712 |
| Earnings coverage of net charge-offs (x) | 4.6283% | 2,893 |
| Efficiency ratio | 63.6470% | 5,401 |
| Assets per employee ($millions) | 4.0696% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,716 |
| Loan loss allowance to noncurrent loans | 21.0130% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 4.2492% | 1,578 |
| Noncurrent loans to loans | 5.4479% | 1,214 |
| Net loans and leases to total assets | 62.1191% | 4,661 |
| Net loans and leases to deposits | 79.3379% | 3,726 |
| Net loans and leases to core deposits | 88.1268% | 3,531 |
| Total domestic deposits to total assets | 78.2969% | 6,200 |
| Equity capital to assets | 15.6074% | 747 |
| Core capital (leverage) ratio | 15.3325% | 665 |
| Tier 1 risk-based capital ratio | 25.7012% | 793 |
| Total risk-based capital ratio | 26.9147% | 781 |
| Memoranda: | ||
| Average total assets | $570,808,670 | 1,196 |
| Average earning assets | $534,578,000 | 1,149 |
| Average equity | $88,837,330 | 735 |
| Average total loans | $362,539,330 | 1,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 4,082 |
| Cost of funding earning assets | 1.2081% | 5,357 |
| Net interest margin | 3.9817% | 2,948 |
| Noninterest income to average assets | 0.4964% | 4,071 |
| Noninterest expense to average assets | 2.7535% | 4,679 |
| Loan and lease loss provision to assets | 0.2468% | 4,073 |
| Net operating income to assets | 0.8483% | 2,757 |
| Return on assets (ROA) | 0.8483% | 2,851 |
| Pretax return on assets | 1.2213% | 2,293 |
| Return on Equity (ROE) | 5.4583% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.4583% | 2,893 |
| Net charge-offs to loans | 0.5731% | 2,372 |
| Credit loss provision to net charge-offs | 67.4374% | 4,155 |
| Earnings coverage of net charge-offs (x) | 4.0116% | 2,721 |
| Efficiency ratio | 65.2247% | 5,271 |
| Assets per employee ($millions) | 4.0399% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,737 |
| Loan loss allowance to noncurrent loans | 20.4254% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 4.4819% | 1,506 |
| Noncurrent loans to loans | 5.6620% | 1,208 |
| Net loans and leases to total assets | 62.6733% | 4,617 |
| Net loans and leases to deposits | 80.9765% | 3,467 |
| Net loans and leases to core deposits | 90.8823% | 3,247 |
| Total domestic deposits to total assets | 77.3968% | 6,474 |
| Equity capital to assets | 15.5525% | 756 |
| Core capital (leverage) ratio | 15.5505% | 650 |
| Tier 1 risk-based capital ratio | 25.4904% | 814 |
| Total risk-based capital ratio | 26.7165% | 796 |
| Memoranda: | ||
| Average total assets | $567,273,000 | 1,230 |
| Average earning assets | $530,729,500 | 1,197 |
| Average equity | $88,160,000 | 743 |
| Average total loans | $362,243,500 | 1,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 4,020 |
| Cost of funding earning assets | 1.5916% | 5,066 |
| Net interest margin | 3.9324% | 3,151 |
| Noninterest income to average assets | 0.5634% | 3,914 |
| Noninterest expense to average assets | 2.4072% | 6,444 |
| Loan and lease loss provision to assets | 0.7938% | 2,752 |
| Net operating income to assets | 0.8220% | 2,442 |
| Return on assets (ROA) | 0.8220% | 2,535 |
| Pretax return on assets | 1.0629% | 2,365 |
| Return on Equity (ROE) | 5.5750% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.1264% | 1,751 |
| Net charge-offs to loans | 1.1299% | 2,168 |
| Credit loss provision to net charge-offs | 109.9976% | 5,005 |
| Earnings coverage of net charge-offs (x) | 2.5730% | 3,830 |
| Efficiency ratio | 56.4555% | 6,957 |
| Assets per employee ($millions) | 4.0065% | 3,807 |
| Cash dividends to net income (ytd only)* | 8.0472% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,390 |
| Loan loss allowance to noncurrent loans | 24.2374% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 4.1089% | 1,601 |
| Noncurrent loans to loans | 4.9355% | 1,379 |
| Net loans and leases to total assets | 63.5419% | 4,695 |
| Net loans and leases to deposits | 86.0921% | 2,902 |
| Net loans and leases to core deposits | 112.3867% | 2,658 |
| Total domestic deposits to total assets | 73.8068% | 7,045 |
| Equity capital to assets | 15.5294% | 781 |
| Core capital (leverage) ratio | 15.4871% | 694 |
| Tier 1 risk-based capital ratio | 24.7851% | 865 |
| Total risk-based capital ratio | 26.0351% | 841 |
| Memoranda: | ||
| Average total assets | $566,916,400 | 1,223 |
| Average earning assets | $533,485,800 | 1,194 |
| Average equity | $83,587,600 | 771 |
| Average total loans | $362,063,000 | 1,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5546% | 4,126 |
| Cost of funding earning assets | 1.6725% | 5,050 |
| Net interest margin | 3.8821% | 3,298 |
| Noninterest income to average assets | 0.5571% | 4,030 |
| Noninterest expense to average assets | 2.5154% | 6,022 |
| Loan and lease loss provision to assets | 0.7872% | 2,401 |
| Net operating income to assets | 0.4507% | 4,190 |
| Return on assets (ROA) | 0.4507% | 4,296 |
| Pretax return on assets | 0.9152% | 3,181 |
| Return on Equity (ROE) | 3.0978% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.0978% | 3,591 |
| Net charge-offs to loans | 1.2915% | 1,590 |
| Credit loss provision to net charge-offs | 95.6050% | 5,320 |
| Earnings coverage of net charge-offs (x) | 2.0676% | 4,273 |
| Efficiency ratio | 59.6379% | 6,463 |
| Assets per employee ($millions) | 4.0195% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,180 |
| Loan loss allowance to noncurrent loans | 22.7235% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 3.8040% | 1,702 |
| Noncurrent loans to loans | 4.4733% | 1,567 |
| Net loans and leases to total assets | 64.5418% | 4,739 |
| Net loans and leases to deposits | 87.2330% | 3,102 |
| Net loans and leases to core deposits | 113.6549% | 2,866 |
| Total domestic deposits to total assets | 73.9879% | 6,945 |
| Equity capital to assets | 14.7018% | 1,093 |
| Core capital (leverage) ratio | 15.0977% | 836 |
| Tier 1 risk-based capital ratio | 23.7209% | 1,031 |
| Total risk-based capital ratio | 24.7788% | 1,026 |
| Memoranda: | ||
| Average total assets | $567,415,000 | 1,233 |
| Average earning assets | $535,063,500 | 1,198 |
| Average equity | $82,552,250 | 792 |
| Average total loans | $361,751,750 | 1,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 4,497 |
| Cost of funding earning assets | 1.7228% | 5,162 |
| Net interest margin | 3.7996% | 3,554 |
| Noninterest income to average assets | 0.5425% | 4,093 |
| Noninterest expense to average assets | 2.4471% | 6,306 |
| Loan and lease loss provision to assets | 0.3214% | 4,014 |
| Net operating income to assets | 0.8826% | 2,523 |
| Return on assets (ROA) | 0.8826% | 2,628 |
| Pretax return on assets | 1.3639% | 1,819 |
| Return on Equity (ROE) | 6.0878% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.0878% | 1,975 |
| Net charge-offs to loans | 0.5219% | 2,760 |
| Credit loss provision to net charge-offs | 97.3262% | 4,693 |
| Earnings coverage of net charge-offs (x) | 5.1037% | 2,914 |
| Efficiency ratio | 59.2172% | 6,663 |
| Assets per employee ($millions) | 4.0557% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,779 |
| Loan loss allowance to noncurrent loans | 18.2838% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 4.0290% | 1,460 |
| Noncurrent loans to loans | 5.8572% | 947 |
| Net loans and leases to total assets | 63.1959% | 5,144 |
| Net loans and leases to deposits | 82.0818% | 4,213 |
| Net loans and leases to core deposits | 108.6735% | 3,533 |
| Total domestic deposits to total assets | 76.9914% | 6,332 |
| Equity capital to assets | 14.6805% | 1,115 |
| Core capital (leverage) ratio | 15.1139% | 895 |
| Tier 1 risk-based capital ratio | 24.1449% | 1,019 |
| Total risk-based capital ratio | 25.2509% | 1,013 |
| Memoranda: | ||
| Average total assets | $566,297,330 | 1,256 |
| Average earning assets | $535,062,330 | 1,206 |
| Average equity | $82,098,670 | 801 |
| Average total loans | $358,280,000 | 1,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5608% | 4,576 |
| Cost of funding earning assets | 1.7640% | 5,296 |
| Net interest margin | 3.7969% | 3,451 |
| Noninterest income to average assets | 0.5409% | 3,991 |
| Noninterest expense to average assets | 2.4120% | 6,151 |
| Loan and lease loss provision to assets | 0.3194% | 3,419 |
| Net operating income to assets | 0.9526% | 2,505 |
| Return on assets (ROA) | 0.9526% | 2,633 |
| Pretax return on assets | 1.3969% | 1,975 |
| Return on Equity (ROE) | 6.6130% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.6130% | 2,372 |
| Net charge-offs to loans | 0.8231% | 1,576 |
| Credit loss provision to net charge-offs | 61.6438% | 4,487 |
| Earnings coverage of net charge-offs (x) | 3.3123% | 3,215 |
| Efficiency ratio | 58.4250% | 6,633 |
| Assets per employee ($millions) | 4.0347% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,953 |
| Loan loss allowance to noncurrent loans | 16.6629% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 3.9285% | 1,322 |
| Noncurrent loans to loans | 6.1727% | 756 |
| Net loans and leases to total assets | 61.8565% | 5,361 |
| Net loans and leases to deposits | 81.5737% | 4,356 |
| Net loans and leases to core deposits | 105.9424% | 3,925 |
| Total domestic deposits to total assets | 75.8290% | 6,544 |
| Equity capital to assets | 14.4816% | 1,240 |
| Core capital (leverage) ratio | 15.2708% | 908 |
| Tier 1 risk-based capital ratio | 24.2106% | 1,055 |
| Total risk-based capital ratio | 25.2615% | 1,052 |
| Memoranda: | ||
| Average total assets | $563,522,500 | 1,265 |
| Average earning assets | $532,440,500 | 1,219 |
| Average equity | $81,173,000 | 810 |
| Average total loans | $354,772,000 | 1,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 3,840 |
| Cost of funding earning assets | 2.4272% | 4,592 |
| Net interest margin | 3.8955% | 3,583 |
| Noninterest income to average assets | 0.6701% | 3,324 |
| Noninterest expense to average assets | 2.2498% | 6,840 |
| Loan and lease loss provision to assets | 0.2603% | 4,320 |
| Net operating income to assets | 1.2417% | 1,650 |
| Return on assets (ROA) | 1.2446% | 1,585 |
| Pretax return on assets | 1.8221% | 900 |
| Return on Equity (ROE) | 8.3593% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.6432% | 1,692 |
| Net charge-offs to loans | 0.2948% | 3,431 |
| Credit loss provision to net charge-offs | 139.4422% | 3,806 |
| Earnings coverage of net charge-offs (x) | 11.1325% | 2,410 |
| Efficiency ratio | 51.9826% | 7,492 |
| Assets per employee ($millions) | 3.9868% | 3,553 |
| Cash dividends to net income (ytd only)* | 32.4918% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,182 |
| Loan loss allowance to noncurrent loans | 22.8816% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 3.1609% | 1,447 |
| Noncurrent loans to loans | 4.8606% | 926 |
| Net loans and leases to total assets | 62.7163% | 5,506 |
| Net loans and leases to deposits | 82.9502% | 4,580 |
| Net loans and leases to core deposits | 106.8250% | 4,102 |
| Total domestic deposits to total assets | 75.6072% | 6,324 |
| Equity capital to assets | 14.3261% | 1,343 |
| Core capital (leverage) ratio | 14.9833% | 1,041 |
| Tier 1 risk-based capital ratio | 23.7253% | 1,119 |
| Total risk-based capital ratio | 24.8519% | 1,102 |
| Memoranda: | ||
| Average total assets | $537,831,000 | 1,263 |
| Average earning assets | $505,021,200 | 1,222 |
| Average equity | $80,078,600 | 834 |
| Average total loans | $340,602,200 | 1,426 |