Home > Timberland Bank > Performance and Condition Ratios
Timberland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 2,413 |
| Cost of funding earning assets | 0.9692% | 3,374 |
| Net interest margin | 3.8616% | 1,455 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.3616% | 2,690 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4189% | 1,184 |
| Return on assets (ROA) | 1.4241% | 1,142 |
| Pretax return on assets | 1.7892% | 904 |
| Return on Equity (ROE) | 11.4200% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.8709% | 1,925 |
| Net charge-offs to loans | 0.0016% | 2,771 |
| Credit loss provision to net charge-offs | 9,930.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,730.4500% | 96 |
| Efficiency ratio | 55.2284% | 3,578 |
| Assets per employee ($millions) | 7.0171% | 2,062 |
| Cash dividends to net income (ytd only)* | 39.8559% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,114 |
| Loan loss allowance to noncurrent loans | 494.8010% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,316 |
| Noncurrent loans to loans | 0.2485% | 2,309 |
| Net loans and leases to total assets | 70.6100% | 1,747 |
| Net loans and leases to deposits | 82.1651% | 1,934 |
| Net loans and leases to core deposits | 89.8437% | 2,061 |
| Total domestic deposits to total assets | 85.9300% | 2,044 |
| Equity capital to assets | 12.4476% | 996 |
| Core capital (leverage) ratio | 12.0588% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3537% | 750 |
| Memoranda: | ||
| Average total assets | $1,832,369,400 | 616 |
| Average earning assets | $1,724,577,800 | 601 |
| Average equity | $228,412,400 | 481 |
| Average total loans | $1,272,143,600 | 598 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 2,381 |
| Cost of funding earning assets | 0.7975% | 3,522 |
| Net interest margin | 3.9472% | 1,308 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.3990% | 2,518 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4465% | 1,227 |
| Return on assets (ROA) | 1.4509% | 1,201 |
| Pretax return on assets | 1.8251% | 974 |
| Return on Equity (ROE) | 11.6300% | 2,220 |
| Retained earnings to average equity (ytd only) | 6.9856% | 2,290 |
| Net charge-offs to loans | 0.0020% | 2,495 |
| Credit loss provision to net charge-offs | 8,457.8947% | 62 |
| Earnings coverage of net charge-offs (x) | 1,389.5263% | 115 |
| Efficiency ratio | 54.9779% | 3,490 |
| Assets per employee ($millions) | 6.7375% | 2,149 |
| Cash dividends to net income (ytd only)* | 39.9595% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,366 |
| Loan loss allowance to noncurrent loans | 1,044.7160% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,014 |
| Noncurrent loans to loans | 0.1148% | 2,998 |
| Net loans and leases to total assets | 70.8300% | 1,726 |
| Net loans and leases to deposits | 83.4291% | 1,787 |
| Net loans and leases to core deposits | 90.9981% | 1,856 |
| Total domestic deposits to total assets | 84.8900% | 2,534 |
| Equity capital to assets | 12.6212% | 886 |
| Core capital (leverage) ratio | 11.9890% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2968% | 785 |
| Memoranda: | ||
| Average total assets | $1,816,808,750 | 622 |
| Average earning assets | $1,709,120,000 | 605 |
| Average equity | $226,557,250 | 484 |
| Average total loans | $1,251,588,750 | 606 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 2,383 |
| Cost of funding earning assets | 0.6456% | 3,640 |
| Net interest margin | 3.9710% | 1,292 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.4092% | 2,453 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4370% | 1,242 |
| Return on assets (ROA) | 1.4456% | 1,210 |
| Pretax return on assets | 1.8251% | 965 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 6.8342% | 2,343 |
| Net charge-offs to loans | 0.0011% | 2,368 |
| Credit loss provision to net charge-offs | 15,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,499.5714% | 53 |
| Efficiency ratio | 55.1232% | 3,521 |
| Assets per employee ($millions) | 6.2961% | 2,470 |
| Cash dividends to net income (ytd only)* | 41.2907% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,443 |
| Loan loss allowance to noncurrent loans | 965.1324% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,889 |
| Noncurrent loans to loans | 0.1243% | 2,851 |
| Net loans and leases to total assets | 69.7700% | 1,771 |
| Net loans and leases to deposits | 81.1602% | 1,895 |
| Net loans and leases to core deposits | 86.9497% | 2,004 |
| Total domestic deposits to total assets | 85.9600% | 2,239 |
| Equity capital to assets | 12.6305% | 907 |
| Core capital (leverage) ratio | 12.1375% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2870% | 786 |
| Memoranda: | ||
| Average total assets | $1,809,302,667 | 613 |
| Average earning assets | $1,700,985,333 | 600 |
| Average equity | $224,694,667 | 475 |
| Average total loans | $1,229,277,667 | 603 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 2,181 |
| Cost of funding earning assets | 0.5254% | 3,612 |
| Net interest margin | 4.0290% | 1,213 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.4104% | 2,501 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4774% | 1,226 |
| Return on assets (ROA) | 1.4801% | 1,201 |
| Pretax return on assets | 1.8634% | 961 |
| Return on Equity (ROE) | 12.0200% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.4314% | 2,100 |
| Net charge-offs to loans | 0.0020% | 1,963 |
| Credit loss provision to net charge-offs | 7,916.6667% | 54 |
| Earnings coverage of net charge-offs (x) | 1,482.3333% | 58 |
| Efficiency ratio | 54.7465% | 3,528 |
| Assets per employee ($millions) | 6.0335% | 2,730 |
| Cash dividends to net income (ytd only)* | 29.8552% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,555 |
| Loan loss allowance to noncurrent loans | 746.4703% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,713 |
| Noncurrent loans to loans | 0.1607% | 2,683 |
| Net loans and leases to total assets | 67.7700% | 1,859 |
| Net loans and leases to deposits | 78.0662% | 1,968 |
| Net loans and leases to core deposits | 81.9812% | 2,114 |
| Total domestic deposits to total assets | 86.8200% | 2,332 |
| Equity capital to assets | 12.6228% | 843 |
| Core capital (leverage) ratio | 11.8920% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2300% | 816 |
| Memoranda: | ||
| Average total assets | $1,810,470,000 | 628 |
| Average earning assets | $1,702,250,500 | 611 |
| Average equity | $222,927,500 | 487 |
| Average total loans | $1,205,939,500 | 621 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 2,623 |
| Cost of funding earning assets | 0.1938% | 3,810 |
| Net interest margin | 3.4725% | 2,024 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.1397% | 3,196 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3904% | 1,158 |
| Return on assets (ROA) | 1.3864% | 1,115 |
| Pretax return on assets | 1.7421% | 834 |
| Return on Equity (ROE) | 12.0800% | 2,112 |
| Retained earnings to average equity (ytd only) | 6.4474% | 2,467 |
| Net charge-offs to loans | 0.0031% | 2,373 |
| Credit loss provision to net charge-offs | 2,338.2353% | 229 |
| Earnings coverage of net charge-offs (x) | 977.4706% | 178 |
| Efficiency ratio | 54.0322% | 3,795 |
| Assets per employee ($millions) | 6.0965% | 2,684 |
| Cash dividends to net income (ytd only)* | 46.6182% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,392 |
| Loan loss allowance to noncurrent loans | 699.2138% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,710 |
| Noncurrent loans to loans | 0.1715% | 2,623 |
| Net loans and leases to total assets | 63.9000% | 2,253 |
| Net loans and leases to deposits | 73.1183% | 2,320 |
| Net loans and leases to core deposits | 75.7925% | 2,434 |
| Total domestic deposits to total assets | 87.3900% | 2,273 |
| Equity capital to assets | 12.0120% | 933 |
| Core capital (leverage) ratio | 11.3150% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0587% | 821 |
| Memoranda: | ||
| Average total assets | $1,856,707,800 | 594 |
| Average earning assets | $1,752,500,000 | 576 |
| Average equity | $213,124,200 | 500 |
| Average total loans | $1,099,445,000 | 632 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 2,856 |
| Cost of funding earning assets | 0.1536% | 3,815 |
| Net interest margin | 3.2674% | 2,400 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.0928% | 3,226 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3097% | 1,321 |
| Return on assets (ROA) | 1.3041% | 1,306 |
| Pretax return on assets | 1.6392% | 1,031 |
| Return on Equity (ROE) | 11.4900% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.1295% | 2,708 |
| Net charge-offs to loans | 0.0043% | 2,039 |
| Credit loss provision to net charge-offs | 771.4286% | 481 |
| Earnings coverage of net charge-offs (x) | 664.5714% | 246 |
| Efficiency ratio | 55.2344% | 3,693 |
| Assets per employee ($millions) | 6.3646% | 2,434 |
| Cash dividends to net income (ytd only)* | 46.6674% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,557 |
| Loan loss allowance to noncurrent loans | 665.5172% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,803 |
| Noncurrent loans to loans | 0.1795% | 2,689 |
| Net loans and leases to total assets | 60.9700% | 2,404 |
| Net loans and leases to deposits | 69.4203% | 2,418 |
| Net loans and leases to core deposits | 70.5729% | 2,600 |
| Total domestic deposits to total assets | 87.8300% | 2,476 |
| Equity capital to assets | 11.6413% | 958 |
| Core capital (leverage) ratio | 10.9368% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2677% | 820 |
| Memoranda: | ||
| Average total assets | $1,862,126,750 | 594 |
| Average earning assets | $1,759,531,750 | 571 |
| Average equity | $211,299,250 | 503 |
| Average total loans | $1,077,609,250 | 636 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 3,060 |
| Cost of funding earning assets | 0.1445% | 3,641 |
| Net interest margin | 3.0506% | 2,719 |
| Noninterest income to average assets | 0.6786% | 1,434 |
| Noninterest expense to average assets | 2.0531% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2009% | 1,423 |
| Return on assets (ROA) | 1.1952% | 1,425 |
| Pretax return on assets | 1.5015% | 1,161 |
| Return on Equity (ROE) | 10.6242% | 2,127 |
| Retained earnings to average equity (ytd only) | 4.4224% | 2,913 |
| Net charge-offs to loans | 0.0066% | 1,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 401.6000% | 315 |
| Efficiency ratio | 57.1661% | 3,660 |
| Assets per employee ($millions) | 6.5024% | 2,314 |
| Cash dividends to net income (ytd only)* | 58.3745% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,598 |
| Loan loss allowance to noncurrent loans | 586.3378% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,815 |
| Noncurrent loans to loans | 0.2079% | 2,674 |
| Net loans and leases to total assets | 57.7329% | 2,559 |
| Net loans and leases to deposits | 65.3893% | 2,595 |
| Net loans and leases to core deposits | 66.5170% | 2,780 |
| Total domestic deposits to total assets | 88.2910% | 2,465 |
| Equity capital to assets | 11.2101% | 1,129 |
| Core capital (leverage) ratio | 10.6082% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5594% | 776 |
| Memoranda: | ||
| Average total assets | $1,863,351,667 | 589 |
| Average earning assets | $1,761,100,667 | 568 |
| Average equity | $209,616,333 | 513 |
| Average total loans | $1,054,520,000 | 637 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 3,007 |
| Cost of funding earning assets | 0.1433% | 3,586 |
| Net interest margin | 2.9453% | 2,688 |
| Noninterest income to average assets | 0.6820% | 1,381 |
| Noninterest expense to average assets | 2.0076% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1646% | 1,343 |
| Return on assets (ROA) | 1.1576% | 1,358 |
| Pretax return on assets | 1.4485% | 1,131 |
| Return on Equity (ROE) | 10.2716% | 1,862 |
| Retained earnings to average equity (ytd only) | 5.8640% | 2,287 |
| Net charge-offs to loans | 0.0136% | 1,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 192.8000% | 438 |
| Efficiency ratio | 57.4483% | 3,741 |
| Assets per employee ($millions) | 6.2741% | 2,583 |
| Cash dividends to net income (ytd only)* | 42.9104% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,458 |
| Loan loss allowance to noncurrent loans | 506.7144% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,706 |
| Noncurrent loans to loans | 0.2524% | 2,576 |
| Net loans and leases to total assets | 55.2710% | 2,604 |
| Net loans and leases to deposits | 62.5805% | 2,667 |
| Net loans and leases to core deposits | 63.6119% | 2,824 |
| Total domestic deposits to total assets | 88.3199% | 2,381 |
| Equity capital to assets | 11.2058% | 1,236 |
| Core capital (leverage) ratio | 10.7085% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5569% | 689 |
| Memoranda: | ||
| Average total assets | $1,852,179,000 | 594 |
| Average earning assets | $1,750,039,500 | 574 |
| Average equity | $208,730,500 | 521 |
| Average total loans | $1,030,730,000 | 646 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 3,074 |
| Cost of funding earning assets | 0.1734% | 3,741 |
| Net interest margin | 3.1700% | 2,683 |
| Noninterest income to average assets | 0.9408% | 1,112 |
| Noninterest expense to average assets | 2.0385% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5027% | 1,006 |
| Return on assets (ROA) | 1.5025% | 1,058 |
| Pretax return on assets | 1.8832% | 756 |
| Return on Equity (ROE) | 13.0238% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.4203% | 1,384 |
| Net charge-offs to loans | -0.0035% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4604% | 4,163 |
| Assets per employee ($millions) | 6.3049% | 2,486 |
| Cash dividends to net income (ytd only)* | 35.3469% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,229 |
| Loan loss allowance to noncurrent loans | 472.0645% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 2,730 |
| Noncurrent loans to loans | 0.2821% | 2,585 |
| Net loans and leases to total assets | 54.5667% | 2,783 |
| Net loans and leases to deposits | 62.0921% | 2,872 |
| Net loans and leases to core deposits | 62.9534% | 3,080 |
| Total domestic deposits to total assets | 87.8804% | 2,114 |
| Equity capital to assets | 11.3348% | 1,582 |
| Core capital (leverage) ratio | 10.6360% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1838% | 630 |
| Memoranda: | ||
| Average total assets | $1,727,624,800 | 606 |
| Average earning assets | $1,624,722,800 | 592 |
| Average equity | $199,303,800 | 549 |
| Average total loans | $1,019,778,200 | 647 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 3,053 |
| Cost of funding earning assets | 0.1810% | 3,810 |
| Net interest margin | 3.2373% | 2,617 |
| Noninterest income to average assets | 1.0007% | 1,067 |
| Noninterest expense to average assets | 2.0361% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6007% | 1,030 |
| Return on assets (ROA) | 1.6004% | 1,078 |
| Pretax return on assets | 2.0041% | 795 |
| Return on Equity (ROE) | 13.8082% | 1,446 |
| Retained earnings to average equity (ytd only) | 8.7944% | 1,770 |
| Net charge-offs to loans | -0.0048% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8672% | 4,234 |
| Assets per employee ($millions) | 6.1907% | 2,516 |
| Cash dividends to net income (ytd only)* | 36.3103% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,150 |
| Loan loss allowance to noncurrent loans | 471.9341% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 2,935 |
| Noncurrent loans to loans | 0.2897% | 2,756 |
| Net loans and leases to total assets | 54.3104% | 2,937 |
| Net loans and leases to deposits | 61.8531% | 3,056 |
| Net loans and leases to core deposits | 62.7228% | 3,244 |
| Total domestic deposits to total assets | 87.8054% | 1,952 |
| Equity capital to assets | 11.3710% | 1,761 |
| Core capital (leverage) ratio | 10.7352% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8148% | 616 |
| Memoranda: | ||
| Average total assets | $1,702,427,000 | 617 |
| Average earning assets | $1,598,555,750 | 602 |
| Average equity | $197,318,000 | 554 |
| Average total loans | $1,021,929,000 | 656 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 2,988 |
| Cost of funding earning assets | 0.1912% | 3,837 |
| Net interest margin | 3.2753% | 2,534 |
| Noninterest income to average assets | 1.1108% | 916 |
| Noninterest expense to average assets | 2.0406% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7152% | 847 |
| Return on assets (ROA) | 1.7147% | 899 |
| Pretax return on assets | 2.1423% | 633 |
| Return on Equity (ROE) | 14.6950% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.2295% | 1,330 |
| Net charge-offs to loans | -0.0072% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2603% | 4,368 |
| Assets per employee ($millions) | 5.9507% | 2,667 |
| Cash dividends to net income (ytd only)* | 30.3875% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,324 |
| Loan loss allowance to noncurrent loans | 663.8245% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 3,334 |
| Noncurrent loans to loans | 0.1992% | 3,240 |
| Net loans and leases to total assets | 57.8340% | 2,688 |
| Net loans and leases to deposits | 65.9884% | 2,826 |
| Net loans and leases to core deposits | 67.0532% | 3,033 |
| Total domestic deposits to total assets | 87.6427% | 2,022 |
| Equity capital to assets | 11.5363% | 1,605 |
| Core capital (leverage) ratio | 10.8736% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1538% | 605 |
| Memoranda: | ||
| Average total assets | $1,673,533,333 | 621 |
| Average earning assets | $1,570,003,667 | 609 |
| Average equity | $195,277,667 | 556 |
| Average total loans | $1,034,192,000 | 654 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 3,009 |
| Cost of funding earning assets | 0.2061% | 3,857 |
| Net interest margin | 3.2652% | 2,495 |
| Noninterest income to average assets | 1.2191% | 831 |
| Noninterest expense to average assets | 2.0818% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7707% | 830 |
| Return on assets (ROA) | 1.7681% | 886 |
| Pretax return on assets | 2.1951% | 695 |
| Return on Equity (ROE) | 15.0626% | 1,193 |
| Retained earnings to average equity (ytd only) | 9.6653% | 1,747 |
| Net charge-offs to loans | -0.0008% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1269% | 4,333 |
| Assets per employee ($millions) | 5.9342% | 2,661 |
| Cash dividends to net income (ytd only)* | 35.8324% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,545 |
| Loan loss allowance to noncurrent loans | 582.8200% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 3,380 |
| Noncurrent loans to loans | 0.2190% | 3,321 |
| Net loans and leases to total assets | 61.2271% | 2,374 |
| Net loans and leases to deposits | 70.1057% | 2,493 |
| Net loans and leases to core deposits | 71.2298% | 2,766 |
| Total domestic deposits to total assets | 87.3355% | 2,165 |
| Equity capital to assets | 11.4940% | 1,546 |
| Core capital (leverage) ratio | 10.9039% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3736% | 743 |
| Memoranda: | ||
| Average total assets | $1,641,500,000 | 622 |
| Average earning assets | $1,538,750,000 | 611 |
| Average equity | $192,689,000 | 555 |
| Average total loans | $1,042,091,500 | 651 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,410 |
| Cost of funding earning assets | 0.3298% | 3,976 |
| Net interest margin | 3.7746% | 1,572 |
| Noninterest income to average assets | 1.2280% | 742 |
| Noninterest expense to average assets | 2.3144% | 3,369 |
| Loan and lease loss provision to assets | 0.2411% | 1,617 |
| Net operating income to assets | 1.7377% | 454 |
| Return on assets (ROA) | 1.7400% | 487 |
| Pretax return on assets | 2.1801% | 310 |
| Return on Equity (ROE) | 14.0027% | 812 |
| Retained earnings to average equity (ytd only) | 9.6164% | 657 |
| Net charge-offs to loans | -0.0050% | 4,133 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3275% | 4,619 |
| Assets per employee ($millions) | 5.7457% | 2,585 |
| Cash dividends to net income (ytd only)* | 31.3247% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,397 |
| Loan loss allowance to noncurrent loans | 520.4184% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 3,315 |
| Noncurrent loans to loans | 0.2502% | 3,300 |
| Net loans and leases to total assets | 64.2054% | 2,330 |
| Net loans and leases to deposits | 74.0185% | 2,479 |
| Net loans and leases to core deposits | 75.4973% | 2,772 |
| Total domestic deposits to total assets | 86.7424% | 2,061 |
| Equity capital to assets | 12.0003% | 1,568 |
| Core capital (leverage) ratio | 11.1614% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1578% | 649 |
| Memoranda: | ||
| Average total assets | $1,451,596,600 | 633 |
| Average earning assets | $1,347,823,400 | 627 |
| Average equity | $180,379,600 | 557 |
| Average total loans | $990,539,400 | 646 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,409 |
| Cost of funding earning assets | 0.3562% | 4,025 |
| Net interest margin | 3.8410% | 1,498 |
| Noninterest income to average assets | 1.2405% | 711 |
| Noninterest expense to average assets | 2.3742% | 3,206 |
| Loan and lease loss provision to assets | 0.3291% | 1,184 |
| Net operating income to assets | 1.6782% | 609 |
| Return on assets (ROA) | 1.6812% | 666 |
| Pretax return on assets | 2.1006% | 414 |
| Return on Equity (ROE) | 13.4013% | 1,003 |
| Retained earnings to average equity (ytd only) | 8.7193% | 1,068 |
| Net charge-offs to loans | -0.0044% | 4,026 |
| Credit loss provision to net charge-offs | -10,937.5000% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8639% | 4,563 |
| Assets per employee ($millions) | 5.5834% | 2,635 |
| Cash dividends to net income (ytd only)* | 34.9365% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,156 |
| Loan loss allowance to noncurrent loans | 461.7556% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,109 |
| Noncurrent loans to loans | 0.2815% | 3,278 |
| Net loans and leases to total assets | 65.1414% | 2,623 |
| Net loans and leases to deposits | 74.9412% | 2,860 |
| Net loans and leases to core deposits | 76.5722% | 3,120 |
| Total domestic deposits to total assets | 86.9234% | 1,699 |
| Equity capital to assets | 11.8059% | 1,797 |
| Core capital (leverage) ratio | 11.0791% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9981% | 678 |
| Memoranda: | ||
| Average total assets | $1,418,041,750 | 633 |
| Average earning assets | $1,314,162,750 | 622 |
| Average equity | $177,898,750 | 557 |
| Average total loans | $980,271,250 | 643 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,233 |
| Cost of funding earning assets | 0.3855% | 4,106 |
| Net interest margin | 4.0064% | 1,302 |
| Noninterest income to average assets | 1.2515% | 645 |
| Noninterest expense to average assets | 2.4451% | 3,123 |
| Loan and lease loss provision to assets | 0.4381% | 882 |
| Net operating income to assets | 1.6649% | 657 |
| Return on assets (ROA) | 1.6688% | 712 |
| Pretax return on assets | 2.0745% | 476 |
| Return on Equity (ROE) | 13.0103% | 1,095 |
| Retained earnings to average equity (ytd only) | 7.7939% | 1,373 |
| Net charge-offs to loans | -0.0025% | 3,856 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7691% | 4,575 |
| Assets per employee ($millions) | 5.2925% | 2,847 |
| Cash dividends to net income (ytd only)* | 40.0945% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,282 |
| Loan loss allowance to noncurrent loans | 427.6617% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,072 |
| Noncurrent loans to loans | 0.2912% | 3,337 |
| Net loans and leases to total assets | 67.3226% | 2,452 |
| Net loans and leases to deposits | 77.5253% | 2,710 |
| Net loans and leases to core deposits | 79.5741% | 2,979 |
| Total domestic deposits to total assets | 86.8396% | 1,688 |
| Equity capital to assets | 11.8277% | 1,767 |
| Core capital (leverage) ratio | 11.3527% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2914% | 737 |
| Memoranda: | ||
| Average total assets | $1,369,608,000 | 641 |
| Average earning assets | $1,265,333,000 | 637 |
| Average equity | $175,676,000 | 559 |
| Average total loans | $963,095,667 | 643 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,587 |
| Cost of funding earning assets | 0.4199% | 4,287 |
| Net interest margin | 4.3199% | 732 |
| Noninterest income to average assets | 1.1392% | 673 |
| Noninterest expense to average assets | 2.5271% | 3,186 |
| Loan and lease loss provision to assets | 0.6178% | 443 |
| Net operating income to assets | 1.5793% | 652 |
| Return on assets (ROA) | 1.5840% | 713 |
| Pretax return on assets | 1.9760% | 476 |
| Return on Equity (ROE) | 11.8099% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.0851% | 2,237 |
| Net charge-offs to loans | -0.0035% | 3,757 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7892% | 4,721 |
| Assets per employee ($millions) | 4.7041% | 2,984 |
| Cash dividends to net income (ytd only)* | 56.9423% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,213 |
| Loan loss allowance to noncurrent loans | 369.7139% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,905 |
| Noncurrent loans to loans | 0.3475% | 3,243 |
| Net loans and leases to total assets | 69.1037% | 2,384 |
| Net loans and leases to deposits | 81.0936% | 2,572 |
| Net loans and leases to core deposits | 83.8000% | 2,869 |
| Total domestic deposits to total assets | 85.2147% | 2,323 |
| Equity capital to assets | 13.2232% | 1,328 |
| Core capital (leverage) ratio | 12.5189% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4055% | 933 |
| Memoranda: | ||
| Average total assets | $1,294,938,000 | 645 |
| Average earning assets | $1,191,782,000 | 644 |
| Average equity | $173,685,500 | 561 |
| Average total loans | $926,898,500 | 647 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 1,543 |
| Cost of funding earning assets | 0.4208% | 4,374 |
| Net interest margin | 4.5527% | 643 |
| Noninterest income to average assets | 1.2260% | 624 |
| Noninterest expense to average assets | 2.8473% | 2,450 |
| Loan and lease loss provision to assets | 0.0161% | 3,696 |
| Net operating income to assets | 2.0318% | 324 |
| Return on assets (ROA) | 2.0464% | 326 |
| Pretax return on assets | 2.5596% | 189 |
| Return on Equity (ROE) | 15.4934% | 608 |
| Retained earnings to average equity (ytd only) | 11.0849% | 326 |
| Net charge-offs to loans | -0.0167% | 4,592 |
| Credit loss provision to net charge-offs | -134.2282% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0182% | 4,605 |
| Assets per employee ($millions) | 4.4965% | 3,224 |
| Cash dividends to net income (ytd only)* | 28.4542% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,145 |
| Loan loss allowance to noncurrent loans | 321.8893% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 2,829 |
| Noncurrent loans to loans | 0.3307% | 3,255 |
| Net loans and leases to total assets | 72.4416% | 2,019 |
| Net loans and leases to deposits | 84.6354% | 2,257 |
| Net loans and leases to core deposits | 87.3933% | 2,666 |
| Total domestic deposits to total assets | 85.5926% | 2,240 |
| Equity capital to assets | 13.6101% | 1,239 |
| Core capital (leverage) ratio | 12.6881% | 1,379 |
| Tier 1 risk-based capital ratio | 17.9727% | 1,767 |
| Total risk-based capital ratio | 19.1283% | 1,745 |
| Memoranda: | ||
| Average total assets | $1,238,536,800 | 641 |
| Average earning assets | $1,136,816,800 | 638 |
| Average equity | $163,592,000 | 565 |
| Average total loans | $894,702,000 | 643 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 1,544 |
| Cost of funding earning assets | 0.4242% | 4,424 |
| Net interest margin | 4.5745% | 649 |
| Noninterest income to average assets | 1.2081% | 630 |
| Noninterest expense to average assets | 2.9062% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0055% | 392 |
| Return on assets (ROA) | 2.0166% | 397 |
| Pretax return on assets | 2.5138% | 241 |
| Return on Equity (ROE) | 15.3877% | 700 |
| Retained earnings to average equity (ytd only) | 11.5063% | 452 |
| Net charge-offs to loans | -0.0236% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0729% | 4,486 |
| Assets per employee ($millions) | 4.2632% | 3,531 |
| Cash dividends to net income (ytd only)* | 25.2242% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,154 |
| Loan loss allowance to noncurrent loans | 319.4857% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 2,897 |
| Noncurrent loans to loans | 0.3361% | 3,334 |
| Net loans and leases to total assets | 71.7134% | 2,217 |
| Net loans and leases to deposits | 83.5452% | 2,503 |
| Net loans and leases to core deposits | 86.4224% | 2,871 |
| Total domestic deposits to total assets | 85.8379% | 2,062 |
| Equity capital to assets | 13.5376% | 1,343 |
| Core capital (leverage) ratio | 12.4726% | 1,586 |
| Tier 1 risk-based capital ratio | 18.1006% | 1,787 |
| Total risk-based capital ratio | 19.2760% | 1,760 |
| Memoranda: | ||
| Average total assets | $1,231,167,500 | 643 |
| Average earning assets | $1,129,838,750 | 639 |
| Average equity | $161,345,500 | 576 |
| Average total loans | $886,264,500 | 652 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 1,560 |
| Cost of funding earning assets | 0.4195% | 4,435 |
| Net interest margin | 4.5519% | 680 |
| Noninterest income to average assets | 1.2203% | 575 |
| Noninterest expense to average assets | 2.9486% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9783% | 402 |
| Return on assets (ROA) | 1.9910% | 414 |
| Pretax return on assets | 2.4663% | 255 |
| Return on Equity (ROE) | 15.3644% | 690 |
| Retained earnings to average equity (ytd only) | 11.1530% | 525 |
| Net charge-offs to loans | -0.0223% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9198% | 4,478 |
| Assets per employee ($millions) | 4.2766% | 3,472 |
| Cash dividends to net income (ytd only)* | 27.4097% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,138 |
| Loan loss allowance to noncurrent loans | 287.4925% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,790 |
| Noncurrent loans to loans | 0.3777% | 3,173 |
| Net loans and leases to total assets | 70.4963% | 2,460 |
| Net loans and leases to deposits | 81.7715% | 2,755 |
| Net loans and leases to core deposits | 84.0922% | 3,102 |
| Total domestic deposits to total assets | 86.2113% | 1,930 |
| Equity capital to assets | 13.1287% | 1,529 |
| Core capital (leverage) ratio | 12.1110% | 1,752 |
| Tier 1 risk-based capital ratio | 17.4140% | 1,964 |
| Total risk-based capital ratio | 18.5805% | 1,945 |
| Memoranda: | ||
| Average total assets | $1,226,602,670 | 644 |
| Average earning assets | $1,126,134,670 | 643 |
| Average equity | $158,952,330 | 581 |
| Average total loans | $880,878,330 | 656 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 1,483 |
| Cost of funding earning assets | 0.3983% | 4,492 |
| Net interest margin | 4.5490% | 678 |
| Noninterest income to average assets | 1.2936% | 507 |
| Noninterest expense to average assets | 3.0110% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0274% | 369 |
| Return on assets (ROA) | 2.0331% | 381 |
| Pretax return on assets | 2.4651% | 264 |
| Return on Equity (ROE) | 15.7948% | 618 |
| Retained earnings to average equity (ytd only) | 12.6123% | 526 |
| Net charge-offs to loans | -0.0948% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3997% | 4,501 |
| Assets per employee ($millions) | 4.3428% | 3,425 |
| Cash dividends to net income (ytd only)* | 20.1487% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,131 |
| Loan loss allowance to noncurrent loans | 354.8634% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,941 |
| Noncurrent loans to loans | 0.3098% | 3,459 |
| Net loans and leases to total assets | 70.8047% | 2,362 |
| Net loans and leases to deposits | 81.7552% | 2,634 |
| Net loans and leases to core deposits | 84.1332% | 3,017 |
| Total domestic deposits to total assets | 86.6057% | 2,002 |
| Equity capital to assets | 12.8789% | 1,525 |
| Core capital (leverage) ratio | 11.9564% | 1,802 |
| Tier 1 risk-based capital ratio | 17.1799% | 2,052 |
| Total risk-based capital ratio | 18.3790% | 2,015 |
| Memoranda: | ||
| Average total assets | $1,217,658,500 | 655 |
| Average earning assets | $1,117,699,500 | 654 |
| Average equity | $156,735,500 | 584 |
| Average total loans | $877,842,000 | 662 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,848 |
| Cost of funding earning assets | 0.3277% | 4,428 |
| Net interest margin | 4.3642% | 1,013 |
| Noninterest income to average assets | 1.2439% | 604 |
| Noninterest expense to average assets | 2.9141% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8219% | 526 |
| Return on assets (ROA) | 1.8269% | 518 |
| Pretax return on assets | 2.3604% | 268 |
| Return on Equity (ROE) | 15.3554% | 753 |
| Retained earnings to average equity (ytd only) | 10.8932% | 459 |
| Net charge-offs to loans | 0.0042% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 766.2813% | 143 |
| Efficiency ratio | 55.3156% | 4,482 |
| Assets per employee ($millions) | 4.0597% | 3,809 |
| Cash dividends to net income (ytd only)* | 29.0594% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,122 |
| Loan loss allowance to noncurrent loans | 599.5597% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,220 |
| Noncurrent loans to loans | 0.1828% | 3,927 |
| Net loans and leases to total assets | 71.8144% | 2,295 |
| Net loans and leases to deposits | 83.0643% | 2,617 |
| Net loans and leases to core deposits | 85.3725% | 2,967 |
| Total domestic deposits to total assets | 86.4563% | 2,033 |
| Equity capital to assets | 12.8646% | 1,408 |
| Core capital (leverage) ratio | 11.7432% | 1,922 |
| Tier 1 risk-based capital ratio | 16.9279% | 2,092 |
| Total risk-based capital ratio | 18.1262% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,041,665,400 | 740 |
| Average earning assets | $960,524,600 | 733 |
| Average equity | $123,930,000 | 697 |
| Average total loans | $755,161,400 | 736 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 2,048 |
| Cost of funding earning assets | 0.3137% | 4,423 |
| Net interest margin | 4.2633% | 1,200 |
| Noninterest income to average assets | 1.2855% | 588 |
| Noninterest expense to average assets | 2.9087% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7706% | 637 |
| Return on assets (ROA) | 1.7755% | 634 |
| Pretax return on assets | 2.3176% | 328 |
| Return on Equity (ROE) | 15.2946% | 827 |
| Retained earnings to average equity (ytd only) | 11.1479% | 613 |
| Net charge-offs to loans | 0.0064% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 496.6092% | 189 |
| Efficiency ratio | 55.7200% | 4,416 |
| Assets per employee ($millions) | 3.9216% | 4,017 |
| Cash dividends to net income (ytd only)* | 27.1121% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,120 |
| Loan loss allowance to noncurrent loans | 723.6143% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 3,241 |
| Noncurrent loans to loans | 0.1788% | 4,088 |
| Net loans and leases to total assets | 71.5945% | 2,393 |
| Net loans and leases to deposits | 81.7224% | 2,854 |
| Net loans and leases to core deposits | 83.9996% | 3,156 |
| Total domestic deposits to total assets | 87.6069% | 1,439 |
| Equity capital to assets | 11.9937% | 1,910 |
| Core capital (leverage) ratio | 11.7264% | 1,993 |
| Tier 1 risk-based capital ratio | 16.7415% | 2,184 |
| Total risk-based capital ratio | 17.9932% | 2,137 |
| Memoranda: | ||
| Average total assets | $1,002,678,500 | 756 |
| Average earning assets | $925,390,250 | 755 |
| Average equity | $116,395,500 | 731 |
| Average total loans | $726,554,000 | 752 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 2,126 |
| Cost of funding earning assets | 0.3020% | 4,401 |
| Net interest margin | 4.1858% | 1,319 |
| Noninterest income to average assets | 1.2974% | 572 |
| Noninterest expense to average assets | 2.8794% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7611% | 634 |
| Return on assets (ROA) | 1.7663% | 632 |
| Pretax return on assets | 2.2974% | 329 |
| Return on Equity (ROE) | 15.3890% | 776 |
| Retained earnings to average equity (ytd only) | 10.7498% | 720 |
| Net charge-offs to loans | 0.0091% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 346.5152% | 262 |
| Efficiency ratio | 55.6920% | 4,517 |
| Assets per employee ($millions) | 3.8611% | 4,119 |
| Cash dividends to net income (ytd only)* | 30.1463% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,136 |
| Loan loss allowance to noncurrent loans | 304.1481% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,533 |
| Noncurrent loans to loans | 0.4298% | 3,160 |
| Net loans and leases to total assets | 71.6865% | 2,328 |
| Net loans and leases to deposits | 81.6879% | 2,799 |
| Net loans and leases to core deposits | 83.9177% | 3,088 |
| Total domestic deposits to total assets | 87.7566% | 1,504 |
| Equity capital to assets | 11.7432% | 2,023 |
| Core capital (leverage) ratio | 11.5263% | 2,049 |
| Tier 1 risk-based capital ratio | 16.5584% | 2,243 |
| Total risk-based capital ratio | 17.8105% | 2,185 |
| Memoranda: | ||
| Average total assets | $998,342,330 | 765 |
| Average earning assets | $923,697,670 | 758 |
| Average equity | $114,588,000 | 741 |
| Average total loans | $723,170,000 | 759 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,990 |
| Cost of funding earning assets | 0.2884% | 4,430 |
| Net interest margin | 4.1714% | 1,241 |
| Noninterest income to average assets | 1.2773% | 570 |
| Noninterest expense to average assets | 2.8996% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7372% | 630 |
| Return on assets (ROA) | 1.7413% | 638 |
| Pretax return on assets | 2.2467% | 347 |
| Return on Equity (ROE) | 15.3499% | 740 |
| Retained earnings to average equity (ytd only) | 11.9570% | 688 |
| Net charge-offs to loans | 0.0117% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 265.6667% | 255 |
| Efficiency ratio | 56.4004% | 4,529 |
| Assets per employee ($millions) | 3.8284% | 4,249 |
| Cash dividends to net income (ytd only)* | 22.1043% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,141 |
| Loan loss allowance to noncurrent loans | 493.9959% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,996 |
| Noncurrent loans to loans | 0.2676% | 3,814 |
| Net loans and leases to total assets | 71.3118% | 2,280 |
| Net loans and leases to deposits | 80.8787% | 2,709 |
| Net loans and leases to core deposits | 83.2014% | 3,040 |
| Total domestic deposits to total assets | 88.1712% | 1,524 |
| Equity capital to assets | 11.4866% | 2,144 |
| Core capital (leverage) ratio | 11.3687% | 2,105 |
| Tier 1 risk-based capital ratio | 16.3110% | 2,351 |
| Total risk-based capital ratio | 17.5634% | 2,299 |
| Memoranda: | ||
| Average total assets | $995,574,500 | 766 |
| Average earning assets | $922,195,000 | 762 |
| Average equity | $112,938,500 | 756 |
| Average total loans | $720,166,500 | 766 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 1,750 |
| Cost of funding earning assets | 0.3376% | 3,818 |
| Net interest margin | 4.1492% | 1,303 |
| Noninterest income to average assets | 1.3069% | 619 |
| Noninterest expense to average assets | 2.9180% | 2,390 |
| Loan and lease loss provision to assets | -0.1320% | 5,521 |
| Net operating income to assets | 1.5393% | 741 |
| Return on assets (ROA) | 1.5432% | 749 |
| Pretax return on assets | 2.3524% | 241 |
| Return on Equity (ROE) | 14.0586% | 751 |
| Retained earnings to average equity (ytd only) | 12.5447% | 155 |
| Net charge-offs to loans | -0.1391% | 5,450 |
| Credit loss provision to net charge-offs | 128.6008% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8537% | 4,675 |
| Assets per employee ($millions) | 3.7291% | 4,391 |
| Cash dividends to net income (ytd only)* | 10.7690% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,066 |
| Loan loss allowance to noncurrent loans | 452.6739% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 2,708 |
| Noncurrent loans to loans | 0.2942% | 3,724 |
| Net loans and leases to total assets | 71.4429% | 2,309 |
| Net loans and leases to deposits | 80.8513% | 2,832 |
| Net loans and leases to core deposits | 82.9388% | 3,157 |
| Total domestic deposits to total assets | 88.3633% | 1,322 |
| Equity capital to assets | 11.2005% | 2,428 |
| Core capital (leverage) ratio | 11.1579% | 2,190 |
| Tier 1 risk-based capital ratio | 16.0484% | 2,418 |
| Total risk-based capital ratio | 17.3012% | 2,355 |
| Memoranda: | ||
| Average total assets | $947,093,000 | 783 |
| Average earning assets | $873,195,200 | 776 |
| Average equity | $103,964,600 | 791 |
| Average total loans | $698,901,200 | 747 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 1,617 |
| Cost of funding earning assets | 0.3630% | 3,523 |
| Net interest margin | 4.1456% | 1,285 |
| Noninterest income to average assets | 1.3248% | 598 |
| Noninterest expense to average assets | 2.9349% | 2,295 |
| Loan and lease loss provision to assets | -0.1781% | 5,644 |
| Net operating income to assets | 1.5560% | 794 |
| Return on assets (ROA) | 1.5591% | 805 |
| Pretax return on assets | 2.3913% | 260 |
| Return on Equity (ROE) | 14.2803% | 776 |
| Retained earnings to average equity (ytd only) | 13.2821% | 200 |
| Net charge-offs to loans | -0.1844% | 5,521 |
| Credit loss provision to net charge-offs | 130.2083% | 1,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0633% | 4,609 |
| Assets per employee ($millions) | 3.5993% | 4,584 |
| Cash dividends to net income (ytd only)* | 6.9901% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,090 |
| Loan loss allowance to noncurrent loans | 499.8953% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 2,712 |
| Noncurrent loans to loans | 0.2716% | 3,983 |
| Net loans and leases to total assets | 73.0313% | 2,092 |
| Net loans and leases to deposits | 82.7740% | 2,686 |
| Net loans and leases to core deposits | 85.0397% | 3,040 |
| Total domestic deposits to total assets | 88.2298% | 1,238 |
| Equity capital to assets | 11.3612% | 2,506 |
| Core capital (leverage) ratio | 11.2192% | 2,252 |
| Tier 1 risk-based capital ratio | 15.8550% | 2,570 |
| Total risk-based capital ratio | 17.1080% | 2,498 |
| Memoranda: | ||
| Average total assets | $935,879,250 | 798 |
| Average earning assets | $862,042,500 | 793 |
| Average equity | $102,180,000 | 805 |
| Average total loans | $694,066,250 | 753 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 1,442 |
| Cost of funding earning assets | 0.4110% | 2,967 |
| Net interest margin | 4.1174% | 1,279 |
| Noninterest income to average assets | 1.3073% | 611 |
| Noninterest expense to average assets | 2.9385% | 2,301 |
| Loan and lease loss provision to assets | -0.2685% | 5,724 |
| Net operating income to assets | 1.6058% | 697 |
| Return on assets (ROA) | 1.6058% | 719 |
| Pretax return on assets | 2.4356% | 236 |
| Return on Equity (ROE) | 14.9141% | 675 |
| Retained earnings to average equity (ytd only) | 13.3880% | 229 |
| Net charge-offs to loans | -0.2944% | 5,642 |
| Credit loss provision to net charge-offs | 122.9105% | 1,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5540% | 4,651 |
| Assets per employee ($millions) | 3.5013% | 4,718 |
| Cash dividends to net income (ytd only)* | 10.2327% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,079 |
| Loan loss allowance to noncurrent loans | 467.6399% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,594 |
| Noncurrent loans to loans | 0.2934% | 3,990 |
| Net loans and leases to total assets | 74.4385% | 1,790 |
| Net loans and leases to deposits | 84.3108% | 2,433 |
| Net loans and leases to core deposits | 86.6099% | 2,823 |
| Total domestic deposits to total assets | 88.2906% | 1,313 |
| Equity capital to assets | 11.2274% | 2,562 |
| Core capital (leverage) ratio | 10.9781% | 2,436 |
| Tier 1 risk-based capital ratio | 15.3855% | 2,756 |
| Total risk-based capital ratio | 16.6387% | 2,696 |
| Memoranda: | ||
| Average total assets | $931,096,670 | 808 |
| Average earning assets | $858,949,330 | 801 |
| Average equity | $100,254,330 | 822 |
| Average total loans | $690,916,330 | 758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 1,906 |
| Cost of funding earning assets | 0.3936% | 3,060 |
| Net interest margin | 3.9247% | 1,695 |
| Noninterest income to average assets | 1.2385% | 669 |
| Noninterest expense to average assets | 2.9158% | 2,412 |
| Loan and lease loss provision to assets | -0.1072% | 5,754 |
| Net operating income to assets | 1.3565% | 1,097 |
| Return on assets (ROA) | 1.3565% | 1,134 |
| Pretax return on assets | 2.0521% | 460 |
| Return on Equity (ROE) | 12.8715% | 1,024 |
| Retained earnings to average equity (ytd only) | 9.7584% | 872 |
| Net charge-offs to loans | 0.0017% | 2,907 |
| Credit loss provision to net charge-offs | -8,333.3333% | 4,754 |
| Earnings coverage of net charge-offs (x) | 1,511.6667% | 22 |
| Efficiency ratio | 59.9876% | 4,455 |
| Assets per employee ($millions) | 3.6687% | 4,556 |
| Cash dividends to net income (ytd only)* | 24.1859% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 2,126 |
| Loan loss allowance to noncurrent loans | 472.6466% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 2,840 |
| Noncurrent loans to loans | 0.2934% | 4,062 |
| Net loans and leases to total assets | 72.3201% | 2,030 |
| Net loans and leases to deposits | 84.2699% | 2,253 |
| Net loans and leases to core deposits | 86.2395% | 2,690 |
| Total domestic deposits to total assets | 85.8196% | 2,751 |
| Equity capital to assets | 10.5647% | 3,114 |
| Core capital (leverage) ratio | 10.3632% | 3,041 |
| Tier 1 risk-based capital ratio | 14.9685% | 2,980 |
| Total risk-based capital ratio | 16.2219% | 2,906 |
| Memoranda: | ||
| Average total assets | $932,718,000 | 806 |
| Average earning assets | $860,798,000 | 808 |
| Average equity | $98,294,500 | 839 |
| Average total loans | $686,229,000 | 762 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 1,776 |
| Cost of funding earning assets | 0.4925% | 2,146 |
| Net interest margin | 3.9245% | 1,882 |
| Noninterest income to average assets | 1.3477% | 630 |
| Noninterest expense to average assets | 3.0581% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2630% | 1,319 |
| Return on assets (ROA) | 1.2501% | 1,437 |
| Pretax return on assets | 1.8732% | 661 |
| Return on Equity (ROE) | 11.8191% | 1,302 |
| Retained earnings to average equity (ytd only) | 8.7122% | 645 |
| Net charge-offs to loans | 0.0070% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 358.5652% | 224 |
| Efficiency ratio | 61.7725% | 4,295 |
| Assets per employee ($millions) | 3.5348% | 4,707 |
| Cash dividends to net income (ytd only)* | 26.2873% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,892 |
| Loan loss allowance to noncurrent loans | 393.8776% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 2,641 |
| Noncurrent loans to loans | 0.3670% | 3,806 |
| Net loans and leases to total assets | 72.7471% | 2,055 |
| Net loans and leases to deposits | 84.9320% | 2,314 |
| Net loans and leases to core deposits | 87.8206% | 2,691 |
| Total domestic deposits to total assets | 85.6533% | 2,754 |
| Equity capital to assets | 10.5118% | 3,144 |
| Core capital (leverage) ratio | 10.3186% | 3,083 |
| Tier 1 risk-based capital ratio | 14.7171% | 3,093 |
| Total risk-based capital ratio | 15.9712% | 3,035 |
| Memoranda: | ||
| Average total assets | $871,549,400 | 831 |
| Average earning assets | $800,132,000 | 841 |
| Average equity | $92,181,600 | 869 |
| Average total loans | $657,974,400 | 755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 1,750 |
| Cost of funding earning assets | 0.5234% | 1,916 |
| Net interest margin | 3.9097% | 1,942 |
| Noninterest income to average assets | 1.3167% | 673 |
| Noninterest expense to average assets | 3.0863% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2149% | 1,586 |
| Return on assets (ROA) | 1.1975% | 1,740 |
| Pretax return on assets | 1.7891% | 916 |
| Return on Equity (ROE) | 11.3030% | 1,558 |
| Retained earnings to average equity (ytd only) | 8.0219% | 1,159 |
| Net charge-offs to loans | 0.0129% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 185.5826% | 392 |
| Efficiency ratio | 62.9660% | 4,079 |
| Assets per employee ($millions) | 3.3853% | 4,925 |
| Cash dividends to net income (ytd only)* | 29.0289% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,966 |
| Loan loss allowance to noncurrent loans | 326.6622% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 2,363 |
| Noncurrent loans to loans | 0.4446% | 3,691 |
| Net loans and leases to total assets | 74.8866% | 1,726 |
| Net loans and leases to deposits | 87.5216% | 2,081 |
| Net loans and leases to core deposits | 90.6822% | 2,514 |
| Total domestic deposits to total assets | 85.5636% | 2,575 |
| Equity capital to assets | 10.5846% | 3,471 |
| Core capital (leverage) ratio | 10.2625% | 3,267 |
| Tier 1 risk-based capital ratio | 14.3440% | 3,370 |
| Total risk-based capital ratio | 15.5981% | 3,306 |
| Memoranda: | ||
| Average total assets | $858,792,500 | 845 |
| Average earning assets | $787,418,500 | 852 |
| Average equity | $90,982,250 | 889 |
| Average total loans | $652,220,250 | 764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 1,706 |
| Cost of funding earning assets | 0.5045% | 2,067 |
| Net interest margin | 3.9366% | 1,853 |
| Noninterest income to average assets | 1.2298% | 749 |
| Noninterest expense to average assets | 3.0601% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1796% | 1,669 |
| Return on assets (ROA) | 1.1753% | 1,784 |
| Pretax return on assets | 1.7674% | 942 |
| Return on Equity (ROE) | 11.0906% | 1,605 |
| Retained earnings to average equity (ytd only) | 7.4997% | 1,381 |
| Net charge-offs to loans | 0.0146% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 160.0638% | 394 |
| Efficiency ratio | 63.3060% | 4,134 |
| Assets per employee ($millions) | 3.4152% | 4,895 |
| Cash dividends to net income (ytd only)* | 32.3771% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,911 |
| Loan loss allowance to noncurrent loans | 318.5113% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0003% | 2,141 |
| Noncurrent loans to loans | 0.4667% | 3,691 |
| Net loans and leases to total assets | 76.0894% | 1,480 |
| Net loans and leases to deposits | 91.1418% | 1,616 |
| Net loans and leases to core deposits | 94.6669% | 2,095 |
| Total domestic deposits to total assets | 83.4846% | 3,471 |
| Equity capital to assets | 10.7169% | 3,381 |
| Core capital (leverage) ratio | 10.3821% | 3,097 |
| Tier 1 risk-based capital ratio | 13.7961% | 3,724 |
| Total risk-based capital ratio | 15.0501% | 3,639 |
| Memoranda: | ||
| Average total assets | $848,274,670 | 854 |
| Average earning assets | $776,615,000 | 863 |
| Average equity | $89,896,330 | 895 |
| Average total loans | $644,101,670 | 771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,566 |
| Cost of funding earning assets | 0.5072% | 2,047 |
| Net interest margin | 3.9733% | 1,698 |
| Noninterest income to average assets | 1.1718% | 803 |
| Noninterest expense to average assets | 3.0784% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1487% | 1,715 |
| Return on assets (ROA) | 1.1415% | 1,865 |
| Pretax return on assets | 1.7184% | 1,024 |
| Return on Equity (ROE) | 10.8333% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.0690% | 2,344 |
| Net charge-offs to loans | -0.0970% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0308% | 4,122 |
| Assets per employee ($millions) | 3.4460% | 4,891 |
| Cash dividends to net income (ytd only)* | 43.9784% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,662 |
| Loan loss allowance to noncurrent loans | 284.8270% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.1496% | 1,914 |
| Noncurrent loans to loans | 0.5557% | 3,519 |
| Net loans and leases to total assets | 73.3621% | 1,823 |
| Net loans and leases to deposits | 87.6521% | 1,869 |
| Net loans and leases to core deposits | 91.0213% | 2,278 |
| Total domestic deposits to total assets | 83.6970% | 3,637 |
| Equity capital to assets | 10.5353% | 3,445 |
| Core capital (leverage) ratio | 10.2634% | 3,246 |
| Tier 1 risk-based capital ratio | 13.7952% | 3,817 |
| Total risk-based capital ratio | 15.0501% | 3,750 |
| Memoranda: | ||
| Average total assets | $843,803,500 | 864 |
| Average earning assets | $772,147,500 | 871 |
| Average equity | $88,911,000 | 900 |
| Average total loans | $635,106,000 | 778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 1,701 |
| Cost of funding earning assets | 0.5396% | 1,843 |
| Net interest margin | 3.9256% | 1,944 |
| Noninterest income to average assets | 1.2347% | 784 |
| Noninterest expense to average assets | 3.2309% | 1,886 |
| Loan and lease loss provision to assets | -0.1923% | 5,977 |
| Net operating income to assets | 1.1619% | 1,692 |
| Return on assets (ROA) | 1.1607% | 1,769 |
| Pretax return on assets | 1.7605% | 873 |
| Return on Equity (ROE) | 10.8742% | 1,656 |
| Retained earnings to average equity (ytd only) | 7.1581% | 1,209 |
| Net charge-offs to loans | -0.1796% | 5,938 |
| Credit loss provision to net charge-offs | 139.6520% | 1,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2978% | 3,698 |
| Assets per employee ($millions) | 3.4140% | 4,959 |
| Cash dividends to net income (ytd only)* | 34.1734% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,777 |
| Loan loss allowance to noncurrent loans | 193.2955% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.6268% | 1,207 |
| Noncurrent loans to loans | 0.8047% | 2,772 |
| Net loans and leases to total assets | 74.8226% | 1,597 |
| Net loans and leases to deposits | 89.6472% | 1,665 |
| Net loans and leases to core deposits | 92.9233% | 2,139 |
| Total domestic deposits to total assets | 83.4633% | 3,687 |
| Equity capital to assets | 10.5386% | 3,316 |
| Core capital (leverage) ratio | 10.2161% | 3,248 |
| Tier 1 risk-based capital ratio | 13.4540% | 4,028 |
| Total risk-based capital ratio | 14.7085% | 3,965 |
| Memoranda: | ||
| Average total assets | $793,133,800 | 872 |
| Average earning assets | $720,493,600 | 882 |
| Average equity | $84,658,800 | 902 |
| Average total loans | $608,046,800 | 764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 1,882 |
| Cost of funding earning assets | 0.5466% | 1,830 |
| Net interest margin | 3.8687% | 2,131 |
| Noninterest income to average assets | 1.2578% | 766 |
| Noninterest expense to average assets | 3.2934% | 1,705 |
| Loan and lease loss provision to assets | -0.2599% | 6,137 |
| Net operating income to assets | 1.1363% | 1,878 |
| Return on assets (ROA) | 1.1347% | 1,954 |
| Pretax return on assets | 1.7285% | 1,035 |
| Return on Equity (ROE) | 10.5949% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.8617% | 1,752 |
| Net charge-offs to loans | -0.2500% | 6,052 |
| Credit loss provision to net charge-offs | 135.3150% | 1,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1254% | 3,351 |
| Assets per employee ($millions) | 3.3403% | 5,070 |
| Cash dividends to net income (ytd only)* | 35.2358% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,763 |
| Loan loss allowance to noncurrent loans | 160.3231% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 1,162 |
| Noncurrent loans to loans | 1.0028% | 2,476 |
| Net loans and leases to total assets | 74.5153% | 1,636 |
| Net loans and leases to deposits | 89.3981% | 1,727 |
| Net loans and leases to core deposits | 92.8207% | 2,186 |
| Total domestic deposits to total assets | 83.3522% | 3,679 |
| Equity capital to assets | 10.5839% | 3,501 |
| Core capital (leverage) ratio | 10.2852% | 3,269 |
| Tier 1 risk-based capital ratio | 13.4334% | 4,175 |
| Total risk-based capital ratio | 14.6885% | 4,096 |
| Memoranda: | ||
| Average total assets | $782,307,500 | 886 |
| Average earning assets | $709,098,500 | 900 |
| Average equity | $83,786,250 | 916 |
| Average total loans | $601,125,000 | 781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 1,729 |
| Cost of funding earning assets | 0.5514% | 1,801 |
| Net interest margin | 3.8831% | 2,039 |
| Noninterest income to average assets | 1.2440% | 785 |
| Noninterest expense to average assets | 3.3166% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9529% | 2,616 |
| Return on assets (ROA) | 0.9520% | 2,742 |
| Pretax return on assets | 1.4392% | 1,837 |
| Return on Equity (ROE) | 8.8524% | 2,632 |
| Retained earnings to average equity (ytd only) | 6.8129% | 1,785 |
| Net charge-offs to loans | -0.0487% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7188% | 3,375 |
| Assets per employee ($millions) | 3.3016% | 5,162 |
| Cash dividends to net income (ytd only)* | 23.0392% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 1,558 |
| Loan loss allowance to noncurrent loans | 108.8272% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 842 |
| Noncurrent loans to loans | 1.5801% | 1,668 |
| Net loans and leases to total assets | 75.8106% | 1,391 |
| Net loans and leases to deposits | 91.3493% | 1,443 |
| Net loans and leases to core deposits | 94.9086% | 1,885 |
| Total domestic deposits to total assets | 82.9898% | 3,964 |
| Equity capital to assets | 10.7244% | 3,193 |
| Core capital (leverage) ratio | 10.4380% | 3,039 |
| Tier 1 risk-based capital ratio | 13.3180% | 4,335 |
| Total risk-based capital ratio | 14.5745% | 4,259 |
| Memoranda: | ||
| Average total assets | $771,397,670 | 904 |
| Average earning assets | $697,895,670 | 918 |
| Average equity | $82,960,670 | 924 |
| Average total loans | $595,749,670 | 789 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 1,865 |
| Cost of funding earning assets | 0.5582% | 1,768 |
| Net interest margin | 3.8137% | 2,188 |
| Noninterest income to average assets | 1.0559% | 1,010 |
| Noninterest expense to average assets | 3.3472% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7783% | 3,373 |
| Return on assets (ROA) | 0.7779% | 3,511 |
| Pretax return on assets | 1.1524% | 2,860 |
| Return on Equity (ROE) | 7.2228% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.1626% | 2,966 |
| Net charge-offs to loans | -0.0407% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3793% | 2,751 |
| Assets per employee ($millions) | 3.2729% | 5,288 |
| Cash dividends to net income (ytd only)* | 28.5233% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 1,618 |
| Loan loss allowance to noncurrent loans | 95.0384% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 840 |
| Noncurrent loans to loans | 1.8370% | 1,464 |
| Net loans and leases to total assets | 75.3244% | 1,304 |
| Net loans and leases to deposits | 90.8047% | 1,312 |
| Net loans and leases to core deposits | 93.9278% | 1,778 |
| Total domestic deposits to total assets | 82.9521% | 4,192 |
| Equity capital to assets | 10.6652% | 3,352 |
| Core capital (leverage) ratio | 10.2892% | 3,229 |
| Tier 1 risk-based capital ratio | 13.5128% | 4,316 |
| Total risk-based capital ratio | 14.7697% | 4,232 |
| Memoranda: | ||
| Average total assets | $762,553,500 | 915 |
| Average earning assets | $688,670,500 | 931 |
| Average equity | $82,128,500 | 932 |
| Average total loans | $589,285,500 | 793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,666 |
| Cost of funding earning assets | 0.5916% | 1,838 |
| Net interest margin | 3.9683% | 1,984 |
| Noninterest income to average assets | 1.1270% | 958 |
| Noninterest expense to average assets | 3.4674% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8166% | 3,294 |
| Return on assets (ROA) | 0.8233% | 3,354 |
| Pretax return on assets | 1.2227% | 2,558 |
| Return on Equity (ROE) | 7.7001% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.0920% | 1,861 |
| Net charge-offs to loans | 0.0739% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.1087% | 1,694 |
| Efficiency ratio | 73.8276% | 2,863 |
| Assets per employee ($millions) | 3.0589% | 5,622 |
| Cash dividends to net income (ytd only)* | 20.8842% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,603 |
| Loan loss allowance to noncurrent loans | 95.4680% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.6806% | 834 |
| Noncurrent loans to loans | 1.8516% | 1,537 |
| Net loans and leases to total assets | 76.5372% | 1,190 |
| Net loans and leases to deposits | 92.7865% | 1,204 |
| Net loans and leases to core deposits | 94.7522% | 1,842 |
| Total domestic deposits to total assets | 82.4874% | 4,255 |
| Equity capital to assets | 10.8789% | 3,034 |
| Core capital (leverage) ratio | 10.3567% | 3,108 |
| Tier 1 risk-based capital ratio | 13.3852% | 4,476 |
| Total risk-based capital ratio | 14.6422% | 4,408 |
| Memoranda: | ||
| Average total assets | $736,305,800 | 916 |
| Average earning assets | $659,279,600 | 935 |
| Average equity | $78,726,600 | 929 |
| Average total loans | $572,088,600 | 776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,694 |
| Cost of funding earning assets | 0.5936% | 1,894 |
| Net interest margin | 3.9598% | 1,997 |
| Noninterest income to average assets | 1.1152% | 981 |
| Noninterest expense to average assets | 3.4979% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7797% | 3,513 |
| Return on assets (ROA) | 0.7832% | 3,605 |
| Pretax return on assets | 1.1619% | 2,940 |
| Return on Equity (ROE) | 7.3581% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.7962% | 2,540 |
| Net charge-offs to loans | 0.0745% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.9968% | 1,760 |
| Efficiency ratio | 74.8105% | 2,690 |
| Assets per employee ($millions) | 3.0167% | 5,707 |
| Cash dividends to net income (ytd only)* | 21.2263% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 1,671 |
| Loan loss allowance to noncurrent loans | 88.9600% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.9412% | 814 |
| Noncurrent loans to loans | 2.0343% | 1,549 |
| Net loans and leases to total assets | 75.9283% | 1,232 |
| Net loans and leases to deposits | 91.9668% | 1,236 |
| Net loans and leases to core deposits | 94.1741% | 1,846 |
| Total domestic deposits to total assets | 82.5606% | 4,279 |
| Equity capital to assets | 10.7408% | 3,247 |
| Core capital (leverage) ratio | 10.2245% | 3,378 |
| Tier 1 risk-based capital ratio | 13.2062% | 4,723 |
| Total risk-based capital ratio | 14.4636% | 4,656 |
| Memoranda: | ||
| Average total assets | $733,024,000 | 926 |
| Average earning assets | $655,204,750 | 948 |
| Average equity | $78,025,750 | 939 |
| Average total loans | $569,131,500 | 776 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 1,659 |
| Cost of funding earning assets | 0.5963% | 1,930 |
| Net interest margin | 3.9580% | 1,936 |
| Noninterest income to average assets | 1.0653% | 1,050 |
| Noninterest expense to average assets | 3.5358% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7146% | 3,762 |
| Return on assets (ROA) | 0.7235% | 3,808 |
| Pretax return on assets | 1.0735% | 3,199 |
| Return on Equity (ROE) | 6.8177% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,728 |
| Net charge-offs to loans | 0.0642% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.2363% | 1,554 |
| Efficiency ratio | 76.5833% | 2,524 |
| Assets per employee ($millions) | 2.9804% | 5,779 |
| Cash dividends to net income (ytd only)* | 21.3879% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 1,681 |
| Loan loss allowance to noncurrent loans | 86.3202% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 3.3780% | 707 |
| Noncurrent loans to loans | 2.1534% | 1,539 |
| Net loans and leases to total assets | 76.6893% | 1,088 |
| Net loans and leases to deposits | 93.1557% | 1,036 |
| Net loans and leases to core deposits | 94.7327% | 1,710 |
| Total domestic deposits to total assets | 82.3238% | 4,535 |
| Equity capital to assets | 10.8038% | 3,087 |
| Core capital (leverage) ratio | 10.2474% | 3,271 |
| Tier 1 risk-based capital ratio | 13.1252% | 4,833 |
| Total risk-based capital ratio | 14.3833% | 4,760 |
| Memoranda: | ||
| Average total assets | $728,994,330 | 930 |
| Average earning assets | $650,323,670 | 955 |
| Average equity | $77,357,330 | 940 |
| Average total loans | $566,782,330 | 773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,633 |
| Cost of funding earning assets | 0.5988% | 1,979 |
| Net interest margin | 3.9536% | 1,916 |
| Noninterest income to average assets | 0.9936% | 1,142 |
| Noninterest expense to average assets | 3.5923% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6282% | 4,051 |
| Return on assets (ROA) | 0.6494% | 4,049 |
| Pretax return on assets | 0.9602% | 3,474 |
| Return on Equity (ROE) | 6.1757% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.7060% | 3,290 |
| Net charge-offs to loans | -0.0028% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1030% | 2,321 |
| Assets per employee ($millions) | 2.9639% | 5,895 |
| Cash dividends to net income (ytd only)* | 23.7975% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 1,749 |
| Loan loss allowance to noncurrent loans | 84.9790% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 3.6961% | 682 |
| Noncurrent loans to loans | 2.2370% | 1,615 |
| Net loans and leases to total assets | 75.7698% | 1,031 |
| Net loans and leases to deposits | 91.7653% | 975 |
| Net loans and leases to core deposits | 92.9269% | 1,644 |
| Total domestic deposits to total assets | 82.5691% | 4,765 |
| Equity capital to assets | 10.5502% | 3,201 |
| Core capital (leverage) ratio | 10.0151% | 3,556 |
| Tier 1 risk-based capital ratio | 12.8941% | 5,066 |
| Total risk-based capital ratio | 14.1525% | 5,001 |
| Memoranda: | ||
| Average total assets | $729,884,500 | 931 |
| Average earning assets | $651,257,500 | 954 |
| Average equity | $76,752,500 | 951 |
| Average total loans | $566,044,500 | 775 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,864 |
| Cost of funding earning assets | 0.6513% | 2,190 |
| Net interest margin | 3.9532% | 2,094 |
| Noninterest income to average assets | 1.1903% | 1,002 |
| Noninterest expense to average assets | 3.3384% | 2,026 |
| Loan and lease loss provision to assets | 0.3707% | 838 |
| Net operating income to assets | 0.6473% | 4,043 |
| Return on assets (ROA) | 0.6439% | 4,166 |
| Pretax return on assets | 0.9953% | 3,369 |
| Return on Equity (ROE) | 5.6237% | 4,314 |
| Retained earnings to average equity (ytd only) | -12.8836% | 6,585 |
| Net charge-offs to loans | 0.6702% | 969 |
| Credit loss provision to net charge-offs | 72.6860% | 3,233 |
| Earnings coverage of net charge-offs (x) | 2.6885% | 4,099 |
| Efficiency ratio | 70.5174% | 3,750 |
| Assets per employee ($millions) | 2.8877% | 6,000 |
| Cash dividends to net income (ytd only)* | 329.0936% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 1,791 |
| Loan loss allowance to noncurrent loans | 75.1714% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.9672% | 676 |
| Noncurrent loans to loans | 2.5225% | 1,491 |
| Net loans and leases to total assets | 76.3924% | 1,020 |
| Net loans and leases to deposits | 92.4043% | 1,012 |
| Net loans and leases to core deposits | 93.6510% | 1,624 |
| Total domestic deposits to total assets | 82.6720% | 4,653 |
| Equity capital to assets | 10.4810% | 3,189 |
| Core capital (leverage) ratio | 9.7221% | 3,956 |
| Tier 1 risk-based capital ratio | 12.6397% | 5,211 |
| Total risk-based capital ratio | 13.8980% | 5,155 |
| Memoranda: | ||
| Average total assets | $735,024,200 | 905 |
| Average earning assets | $654,362,000 | 925 |
| Average equity | $84,161,400 | 847 |
| Average total loans | $559,419,600 | 750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,884 |
| Cost of funding earning assets | 0.6587% | 2,286 |
| Net interest margin | 3.9472% | 2,125 |
| Noninterest income to average assets | 1.1781% | 1,057 |
| Noninterest expense to average assets | 3.3127% | 2,047 |
| Loan and lease loss provision to assets | 0.4931% | 561 |
| Net operating income to assets | 0.5642% | 4,507 |
| Return on assets (ROA) | 0.5600% | 4,681 |
| Pretax return on assets | 0.8778% | 3,974 |
| Return on Equity (ROE) | 4.7908% | 4,832 |
| Retained earnings to average equity (ytd only) | -0.3173% | 6,006 |
| Net charge-offs to loans | 0.8029% | 731 |
| Credit loss provision to net charge-offs | 81.1495% | 2,823 |
| Earnings coverage of net charge-offs (x) | 2.2668% | 4,088 |
| Efficiency ratio | 70.2546% | 3,714 |
| Assets per employee ($millions) | 2.8885% | 6,026 |
| Cash dividends to net income (ytd only)* | 106.6237% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 1,742 |
| Loan loss allowance to noncurrent loans | 79.2824% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 3.7509% | 873 |
| Noncurrent loans to loans | 2.5116% | 1,722 |
| Net loans and leases to total assets | 73.5483% | 1,356 |
| Net loans and leases to deposits | 90.0912% | 1,151 |
| Net loans and leases to core deposits | 91.3565% | 1,836 |
| Total domestic deposits to total assets | 81.6376% | 5,047 |
| Equity capital to assets | 11.6467% | 2,172 |
| Core capital (leverage) ratio | 11.0935% | 2,390 |
| Tier 1 risk-based capital ratio | 14.7862% | 3,886 |
| Total risk-based capital ratio | 16.0458% | 3,835 |
| Memoranda: | ||
| Average total assets | $736,856,500 | 912 |
| Average earning assets | $655,609,750 | 924 |
| Average equity | $86,134,250 | 827 |
| Average total loans | $557,612,250 | 748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 1,729 |
| Cost of funding earning assets | 0.6708% | 2,309 |
| Net interest margin | 3.9686% | 1,973 |
| Noninterest income to average assets | 1.3282% | 879 |
| Noninterest expense to average assets | 3.2850% | 2,114 |
| Loan and lease loss provision to assets | 0.6975% | 338 |
| Net operating income to assets | 0.5984% | 4,289 |
| Return on assets (ROA) | 0.5931% | 4,508 |
| Pretax return on assets | 0.8634% | 4,050 |
| Return on Equity (ROE) | 5.0679% | 4,685 |
| Retained earnings to average equity (ytd only) | -1.9159% | 6,184 |
| Net charge-offs to loans | 1.1499% | 509 |
| Credit loss provision to net charge-offs | 79.9251% | 2,625 |
| Earnings coverage of net charge-offs (x) | 1.7974% | 3,932 |
| Efficiency ratio | 67.3178% | 4,307 |
| Assets per employee ($millions) | 2.8060% | 6,154 |
| Cash dividends to net income (ytd only)* | 137.8043% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,848 |
| Loan loss allowance to noncurrent loans | 92.8250% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 4.0283% | 853 |
| Noncurrent loans to loans | 2.1542% | 2,229 |
| Net loans and leases to total assets | 74.4548% | 1,181 |
| Net loans and leases to deposits | 91.4626% | 1,017 |
| Net loans and leases to core deposits | 92.8128% | 1,630 |
| Total domestic deposits to total assets | 81.4046% | 5,231 |
| Equity capital to assets | 11.7564% | 2,084 |
| Core capital (leverage) ratio | 11.1275% | 2,232 |
| Tier 1 risk-based capital ratio | 14.5953% | 4,032 |
| Total risk-based capital ratio | 15.8548% | 3,993 |
| Memoranda: | ||
| Average total assets | $734,065,330 | 914 |
| Average earning assets | $652,072,330 | 926 |
| Average equity | $85,914,000 | 828 |
| Average total loans | $557,069,670 | 745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,750 |
| Cost of funding earning assets | 0.6809% | 2,379 |
| Net interest margin | 3.9472% | 1,956 |
| Noninterest income to average assets | 1.3645% | 828 |
| Noninterest expense to average assets | 3.1966% | 2,363 |
| Loan and lease loss provision to assets | 0.6395% | 385 |
| Net operating income to assets | 0.7054% | 3,657 |
| Return on assets (ROA) | 0.6961% | 3,849 |
| Pretax return on assets | 1.0205% | 3,261 |
| Return on Equity (ROE) | 5.9613% | 4,068 |
| Retained earnings to average equity (ytd only) | -8.0214% | 6,526 |
| Net charge-offs to loans | 1.1704% | 503 |
| Credit loss provision to net charge-offs | 72.0417% | 2,263 |
| Earnings coverage of net charge-offs (x) | 1.8853% | 3,208 |
| Efficiency ratio | 65.2660% | 4,784 |
| Assets per employee ($millions) | 2.8805% | 6,175 |
| Cash dividends to net income (ytd only)* | 234.5582% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 1,975 |
| Loan loss allowance to noncurrent loans | 54.8962% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 5.1400% | 697 |
| Noncurrent loans to loans | 3.6925% | 1,277 |
| Net loans and leases to total assets | 74.1491% | 1,055 |
| Net loans and leases to deposits | 90.8778% | 896 |
| Net loans and leases to core deposits | 91.9713% | 1,506 |
| Total domestic deposits to total assets | 81.5921% | 5,327 |
| Equity capital to assets | 11.5289% | 2,384 |
| Core capital (leverage) ratio | 10.9750% | 2,288 |
| Tier 1 risk-based capital ratio | 14.3370% | 4,269 |
| Total risk-based capital ratio | 15.5968% | 4,231 |
| Memoranda: | ||
| Average total assets | $734,910,500 | 920 |
| Average earning assets | $652,710,000 | 930 |
| Average equity | $85,820,500 | 839 |
| Average total loans | $557,397,500 | 749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 2,315 |
| Cost of funding earning assets | 0.8292% | 2,430 |
| Net interest margin | 3.9424% | 2,635 |
| Noninterest income to average assets | 1.2709% | 960 |
| Noninterest expense to average assets | 3.3452% | 2,203 |
| Loan and lease loss provision to assets | 0.4164% | 1,537 |
| Net operating income to assets | 0.7288% | 3,610 |
| Return on assets (ROA) | 0.7149% | 3,926 |
| Pretax return on assets | 1.0049% | 3,533 |
| Return on Equity (ROE) | 6.2649% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.2649% | 1,938 |
| Net charge-offs to loans | 0.5927% | 1,956 |
| Credit loss provision to net charge-offs | 93.7596% | 3,323 |
| Earnings coverage of net charge-offs (x) | 3.2441% | 3,804 |
| Efficiency ratio | 69.4862% | 3,900 |
| Assets per employee ($millions) | 2.9064% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,732 |
| Loan loss allowance to noncurrent loans | 53.2679% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 5.1417% | 744 |
| Noncurrent loans to loans | 3.9688% | 1,188 |
| Net loans and leases to total assets | 74.4023% | 1,138 |
| Net loans and leases to deposits | 91.6384% | 944 |
| Net loans and leases to core deposits | 92.8311% | 1,568 |
| Total domestic deposits to total assets | 81.1911% | 5,344 |
| Equity capital to assets | 11.8275% | 2,159 |
| Core capital (leverage) ratio | 11.1702% | 2,105 |
| Tier 1 risk-based capital ratio | 14.7290% | 3,879 |
| Total risk-based capital ratio | 15.9901% | 3,825 |
| Memoranda: | ||
| Average total assets | $732,396,400 | 907 |
| Average earning assets | $653,021,200 | 922 |
| Average equity | $83,577,400 | 839 |
| Average total loans | $548,808,600 | 757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 2,358 |
| Cost of funding earning assets | 0.8602% | 2,459 |
| Net interest margin | 3.9491% | 2,706 |
| Noninterest income to average assets | 1.1910% | 1,068 |
| Noninterest expense to average assets | 3.3118% | 2,236 |
| Loan and lease loss provision to assets | 0.5188% | 1,161 |
| Net operating income to assets | 0.6466% | 4,159 |
| Return on assets (ROA) | 0.6290% | 4,502 |
| Pretax return on assets | 0.8598% | 4,263 |
| Return on Equity (ROE) | 5.5624% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.5624% | 2,994 |
| Net charge-offs to loans | 0.7307% | 1,514 |
| Credit loss provision to net charge-offs | 95.0951% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.5712% | 4,012 |
| Efficiency ratio | 69.8162% | 3,726 |
| Assets per employee ($millions) | 2.9747% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,810 |
| Loan loss allowance to noncurrent loans | 52.4879% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 5.2090% | 837 |
| Noncurrent loans to loans | 4.0939% | 1,234 |
| Net loans and leases to total assets | 73.2872% | 1,350 |
| Net loans and leases to deposits | 89.9814% | 1,147 |
| Net loans and leases to core deposits | 91.2574% | 1,851 |
| Total domestic deposits to total assets | 81.4471% | 5,210 |
| Equity capital to assets | 11.5379% | 2,711 |
| Core capital (leverage) ratio | 10.9448% | 2,449 |
| Tier 1 risk-based capital ratio | 14.5136% | 4,175 |
| Total risk-based capital ratio | 15.7750% | 4,139 |
| Memoranda: | ||
| Average total assets | $732,394,250 | 913 |
| Average earning assets | $653,500,000 | 928 |
| Average equity | $82,815,500 | 850 |
| Average total loans | $546,837,000 | 762 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 2,331 |
| Cost of funding earning assets | 0.8941% | 2,453 |
| Net interest margin | 3.9487% | 2,724 |
| Noninterest income to average assets | 1.2274% | 947 |
| Noninterest expense to average assets | 3.2960% | 2,315 |
| Loan and lease loss provision to assets | 0.5331% | 1,168 |
| Net operating income to assets | 0.6381% | 4,181 |
| Return on assets (ROA) | 0.6175% | 4,542 |
| Pretax return on assets | 0.8953% | 4,095 |
| Return on Equity (ROE) | 5.4989% | 4,583 |
| Retained earnings to average equity (ytd only) | 5.4989% | 2,987 |
| Net charge-offs to loans | 0.8499% | 1,303 |
| Credit loss provision to net charge-offs | 84.0880% | 3,210 |
| Earnings coverage of net charge-offs (x) | 2.3001% | 3,848 |
| Efficiency ratio | 68.9035% | 3,962 |
| Assets per employee ($millions) | 2.8900% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 1,967 |
| Loan loss allowance to noncurrent loans | 46.4808% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 5.1558% | 912 |
| Noncurrent loans to loans | 4.5489% | 1,155 |
| Net loans and leases to total assets | 74.0517% | 1,234 |
| Net loans and leases to deposits | 90.9739% | 1,049 |
| Net loans and leases to core deposits | 92.2747% | 1,755 |
| Total domestic deposits to total assets | 81.3989% | 5,334 |
| Equity capital to assets | 11.5087% | 2,589 |
| Core capital (leverage) ratio | 10.8525% | 2,433 |
| Tier 1 risk-based capital ratio | 14.5464% | 4,069 |
| Total risk-based capital ratio | 15.8078% | 4,028 |
| Memoranda: | ||
| Average total assets | $731,608,000 | 915 |
| Average earning assets | $653,423,000 | 928 |
| Average equity | $82,162,330 | 846 |
| Average total loans | $545,681,000 | 769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 2,849 |
| Cost of funding earning assets | 0.9318% | 2,426 |
| Net interest margin | 3.8179% | 3,301 |
| Noninterest income to average assets | 1.2440% | 917 |
| Noninterest expense to average assets | 3.3727% | 2,081 |
| Loan and lease loss provision to assets | 0.5717% | 1,010 |
| Net operating income to assets | 0.5013% | 4,826 |
| Return on assets (ROA) | 0.4731% | 5,137 |
| Pretax return on assets | 0.6745% | 4,873 |
| Return on Equity (ROE) | 4.2650% | 5,154 |
| Retained earnings to average equity (ytd only) | 4.2650% | 4,028 |
| Net charge-offs to loans | 0.5572% | 1,692 |
| Credit loss provision to net charge-offs | 138.5224% | 1,778 |
| Earnings coverage of net charge-offs (x) | 3.1174% | 2,957 |
| Efficiency ratio | 71.9561% | 3,455 |
| Assets per employee ($millions) | 2.8831% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 1,793 |
| Loan loss allowance to noncurrent loans | 41.4478% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 5.4310% | 912 |
| Noncurrent loans to loans | 5.4068% | 996 |
| Net loans and leases to total assets | 72.4844% | 1,320 |
| Net loans and leases to deposits | 88.4638% | 1,113 |
| Net loans and leases to core deposits | 89.7568% | 1,873 |
| Total domestic deposits to total assets | 81.9368% | 5,321 |
| Equity capital to assets | 11.1039% | 2,798 |
| Core capital (leverage) ratio | 10.6481% | 2,599 |
| Tier 1 risk-based capital ratio | 14.2057% | 4,311 |
| Total risk-based capital ratio | 15.4685% | 4,277 |
| Memoranda: | ||
| Average total assets | $734,713,500 | 913 |
| Average earning assets | $657,213,500 | 928 |
| Average equity | $81,501,500 | 850 |
| Average total loans | $544,135,500 | 768 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 2,494 |
| Cost of funding earning assets | 1.1939% | 2,072 |
| Net interest margin | 3.8957% | 3,356 |
| Noninterest income to average assets | 1.1049% | 1,089 |
| Noninterest expense to average assets | 3.4342% | 2,153 |
| Loan and lease loss provision to assets | 0.8906% | 1,081 |
| Net operating income to assets | 0.2001% | 5,592 |
| Return on assets (ROA) | 0.1602% | 5,842 |
| Pretax return on assets | 0.2051% | 5,771 |
| Return on Equity (ROE) | 1.4628% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.4628% | 5,165 |
| Net charge-offs to loans | 1.1686% | 1,449 |
| Credit loss provision to net charge-offs | 103.5646% | 3,335 |
| Earnings coverage of net charge-offs (x) | 1.3335% | 4,774 |
| Efficiency ratio | 74.4832% | 3,145 |
| Assets per employee ($millions) | 2.7703% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,782 |
| Loan loss allowance to noncurrent loans | 39.2782% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 5.5748% | 913 |
| Noncurrent loans to loans | 5.6339% | 927 |
| Net loans and leases to total assets | 72.3380% | 1,584 |
| Net loans and leases to deposits | 89.7640% | 1,188 |
| Net loans and leases to core deposits | 90.9793% | 1,989 |
| Total domestic deposits to total assets | 80.5869% | 5,565 |
| Equity capital to assets | 11.0819% | 2,911 |
| Core capital (leverage) ratio | 10.4528% | 2,784 |
| Tier 1 risk-based capital ratio | 14.2488% | 4,148 |
| Total risk-based capital ratio | 15.5112% | 4,100 |
| Memoranda: | ||
| Average total assets | $730,777,200 | 895 |
| Average earning assets | $652,049,000 | 912 |
| Average equity | $80,053,000 | 838 |
| Average total loans | $537,719,000 | 782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 2,402 |
| Cost of funding earning assets | 1.2386% | 2,073 |
| Net interest margin | 3.9086% | 3,342 |
| Noninterest income to average assets | 1.0544% | 1,206 |
| Noninterest expense to average assets | 3.4942% | 1,957 |
| Loan and lease loss provision to assets | 1.0690% | 779 |
| Net operating income to assets | 0.0081% | 6,143 |
| Return on assets (ROA) | -0.0285% | 6,295 |
| Pretax return on assets | -0.0803% | 6,317 |
| Return on Equity (ROE) | -0.2606% | 6,296 |
| Retained earnings to average equity (ytd only) | -0.2606% | 6,023 |
| Net charge-offs to loans | 1.4058% | 1,060 |
| Credit loss provision to net charge-offs | 103.4800% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.0124% | 4,871 |
| Efficiency ratio | 76.4621% | 2,774 |
| Assets per employee ($millions) | 2.8667% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 1,831 |
| Loan loss allowance to noncurrent loans | 51.1759% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 5.0239% | 1,144 |
| Noncurrent loans to loans | 4.3230% | 1,514 |
| Net loans and leases to total assets | 71.9497% | 1,715 |
| Net loans and leases to deposits | 89.0425% | 1,318 |
| Net loans and leases to core deposits | 90.4476% | 2,194 |
| Total domestic deposits to total assets | 80.8038% | 5,496 |
| Equity capital to assets | 10.8582% | 3,279 |
| Core capital (leverage) ratio | 10.2651% | 3,118 |
| Tier 1 risk-based capital ratio | 14.0069% | 4,348 |
| Total risk-based capital ratio | 15.2692% | 4,313 |
| Memoranda: | ||
| Average total assets | $730,634,750 | 901 |
| Average earning assets | $651,579,250 | 915 |
| Average equity | $79,804,500 | 847 |
| Average total loans | $536,895,250 | 792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 2,252 |
| Cost of funding earning assets | 1.2787% | 2,068 |
| Net interest margin | 3.9230% | 3,201 |
| Noninterest income to average assets | 1.1133% | 1,049 |
| Noninterest expense to average assets | 3.5202% | 1,934 |
| Loan and lease loss provision to assets | 1.1240% | 716 |
| Net operating income to assets | 0.0009% | 6,223 |
| Return on assets (ROA) | -0.0345% | 6,337 |
| Pretax return on assets | -0.0875% | 6,350 |
| Return on Equity (ROE) | -0.3156% | 6,336 |
| Retained earnings to average equity (ytd only) | -0.3156% | 5,913 |
| Net charge-offs to loans | 1.5149% | 975 |
| Credit loss provision to net charge-offs | 101.0101% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.9813% | 4,562 |
| Efficiency ratio | 75.8321% | 3,043 |
| Assets per employee ($millions) | 2.8653% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2116% | 1,901 |
| Loan loss allowance to noncurrent loans | 44.5932% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 5.5457% | 1,062 |
| Noncurrent loans to loans | 4.9596% | 1,323 |
| Net loans and leases to total assets | 71.3477% | 1,917 |
| Net loans and leases to deposits | 88.3974% | 1,443 |
| Net loans and leases to core deposits | 90.4629% | 2,309 |
| Total domestic deposits to total assets | 80.7125% | 5,620 |
| Equity capital to assets | 10.8905% | 3,077 |
| Core capital (leverage) ratio | 10.1458% | 3,091 |
| Tier 1 risk-based capital ratio | 14.0921% | 4,100 |
| Total risk-based capital ratio | 15.3542% | 4,062 |
| Memoranda: | ||
| Average total assets | $729,553,670 | 910 |
| Average earning assets | $650,675,670 | 929 |
| Average equity | $79,844,000 | 842 |
| Average total loans | $535,870,670 | 798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 2,152 |
| Cost of funding earning assets | 1.3163% | 2,092 |
| Net interest margin | 3.9045% | 3,114 |
| Noninterest income to average assets | 1.2894% | 768 |
| Noninterest expense to average assets | 3.4716% | 2,080 |
| Loan and lease loss provision to assets | 0.3841% | 2,259 |
| Net operating income to assets | 0.6278% | 3,880 |
| Return on assets (ROA) | 0.6140% | 4,035 |
| Pretax return on assets | 0.8982% | 3,505 |
| Return on Equity (ROE) | 5.5964% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.5964% | 2,852 |
| Net charge-offs to loans | 0.4847% | 2,259 |
| Credit loss provision to net charge-offs | 107.5269% | 2,480 |
| Earnings coverage of net charge-offs (x) | 3.6467% | 2,680 |
| Efficiency ratio | 72.2331% | 3,814 |
| Assets per employee ($millions) | 2.8667% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1888% | 1,991 |
| Loan loss allowance to noncurrent loans | 49.1993% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 5.0529% | 1,242 |
| Noncurrent loans to loans | 4.4488% | 1,577 |
| Net loans and leases to total assets | 71.2857% | 1,859 |
| Net loans and leases to deposits | 88.2542% | 1,435 |
| Net loans and leases to core deposits | 90.3173% | 2,312 |
| Total domestic deposits to total assets | 80.7732% | 5,729 |
| Equity capital to assets | 10.8989% | 2,775 |
| Core capital (leverage) ratio | 10.4627% | 2,652 |
| Tier 1 risk-based capital ratio | 14.1701% | 3,956 |
| Total risk-based capital ratio | 15.4319% | 3,920 |
| Memoranda: | ||
| Average total assets | $729,008,500 | 916 |
| Average earning assets | $650,627,500 | 935 |
| Average equity | $79,980,500 | 831 |
| Average total loans | $537,262,000 | 806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6121% | 1,850 |
| Cost of funding earning assets | 1.6337% | 1,895 |
| Net interest margin | 3.9785% | 3,111 |
| Noninterest income to average assets | 1.1585% | 1,100 |
| Noninterest expense to average assets | 3.4494% | 2,308 |
| Loan and lease loss provision to assets | 1.2250% | 1,273 |
| Net operating income to assets | 0.0412% | 5,725 |
| Return on assets (ROA) | -0.1290% | 6,079 |
| Pretax return on assets | -0.2453% | 6,120 |
| Return on Equity (ROE) | -1.2119% | 6,083 |
| Retained earnings to average equity (ytd only) | -1.2119% | 5,838 |
| Net charge-offs to loans | 2.1990% | 890 |
| Credit loss provision to net charge-offs | 73.5539% | 5,772 |
| Earnings coverage of net charge-offs (x) | 0.7479% | 5,371 |
| Efficiency ratio | 72.9259% | 3,609 |
| Assets per employee ($millions) | 2.7954% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 1,880 |
| Loan loss allowance to noncurrent loans | 44.3844% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 5.8889% | 1,025 |
| Noncurrent loans to loans | 4.9432% | 1,370 |
| Net loans and leases to total assets | 72.9030% | 1,900 |
| Net loans and leases to deposits | 90.6496% | 1,445 |
| Net loans and leases to core deposits | 103.4274% | 1,357 |
| Total domestic deposits to total assets | 80.4229% | 5,716 |
| Equity capital to assets | 11.0455% | 2,646 |
| Core capital (leverage) ratio | 10.4175% | 2,651 |
| Tier 1 risk-based capital ratio | 13.9597% | 3,896 |
| Total risk-based capital ratio | 15.2216% | 3,856 |
| Memoranda: | ||
| Average total assets | $722,421,800 | 926 |
| Average earning assets | $642,180,200 | 943 |
| Average equity | $76,907,000 | 857 |
| Average total loans | $547,162,200 | 823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6489% | 1,890 |
| Cost of funding earning assets | 1.6619% | 2,038 |
| Net interest margin | 3.9870% | 3,161 |
| Noninterest income to average assets | 1.0157% | 1,425 |
| Noninterest expense to average assets | 3.4599% | 2,139 |
| Loan and lease loss provision to assets | 1.4652% | 917 |
| Net operating income to assets | -0.2121% | 6,336 |
| Return on assets (ROA) | -0.4315% | 6,585 |
| Pretax return on assets | -0.7101% | 6,685 |
| Return on Equity (ROE) | -4.0910% | 6,573 |
| Retained earnings to average equity (ytd only) | -4.0910% | 6,468 |
| Net charge-offs to loans | 2.8158% | 576 |
| Credit loss provision to net charge-offs | 68.4342% | 5,461 |
| Earnings coverage of net charge-offs (x) | 0.5128% | 5,511 |
| Efficiency ratio | 75.3336% | 3,070 |
| Assets per employee ($millions) | 2.8095% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0904% | 2,022 |
| Loan loss allowance to noncurrent loans | 43.0088% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 5.5531% | 1,106 |
| Noncurrent loans to loans | 4.8603% | 1,449 |
| Net loans and leases to total assets | 71.4034% | 2,381 |
| Net loans and leases to deposits | 91.0409% | 1,575 |
| Net loans and leases to core deposits | 93.2822% | 2,621 |
| Total domestic deposits to total assets | 78.4300% | 6,160 |
| Equity capital to assets | 10.5495% | 3,465 |
| Core capital (leverage) ratio | 9.9965% | 3,258 |
| Tier 1 risk-based capital ratio | 13.6318% | 4,095 |
| Total risk-based capital ratio | 14.8924% | 4,040 |
| Memoranda: | ||
| Average total assets | $723,422,250 | 928 |
| Average earning assets | $642,707,000 | 949 |
| Average equity | $76,295,500 | 866 |
| Average total loans | $550,078,000 | 826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 1,663 |
| Cost of funding earning assets | 1.7031% | 2,106 |
| Net interest margin | 4.0246% | 2,901 |
| Noninterest income to average assets | 1.0918% | 1,119 |
| Noninterest expense to average assets | 3.5510% | 1,907 |
| Loan and lease loss provision to assets | 1.6554% | 776 |
| Net operating income to assets | -0.3245% | 6,500 |
| Return on assets (ROA) | -0.6290% | 6,788 |
| Pretax return on assets | -1.0227% | 6,902 |
| Return on Equity (ROE) | -5.9648% | 6,773 |
| Retained earnings to average equity (ytd only) | -5.9648% | 6,656 |
| Net charge-offs to loans | 3.6026% | 402 |
| Credit loss provision to net charge-offs | 59.5930% | 5,212 |
| Earnings coverage of net charge-offs (x) | 0.3991% | 5,334 |
| Efficiency ratio | 75.6424% | 3,132 |
| Assets per employee ($millions) | 2.7586% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 2,173 |
| Loan loss allowance to noncurrent loans | 49.0373% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 5.3067% | 1,178 |
| Noncurrent loans to loans | 4.0858% | 1,847 |
| Net loans and leases to total assets | 73.2049% | 2,109 |
| Net loans and leases to deposits | 93.7924% | 1,305 |
| Net loans and leases to core deposits | 95.9734% | 2,441 |
| Total domestic deposits to total assets | 78.0500% | 6,259 |
| Equity capital to assets | 10.6809% | 3,191 |
| Core capital (leverage) ratio | 10.2164% | 2,919 |
| Tier 1 risk-based capital ratio | 13.2811% | 4,222 |
| Total risk-based capital ratio | 14.5403% | 4,176 |
| Memoranda: | ||
| Average total assets | $718,267,000 | 935 |
| Average earning assets | $636,734,000 | 960 |
| Average equity | $75,744,330 | 866 |
| Average total loans | $553,819,000 | 832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7812% | 1,521 |
| Cost of funding earning assets | 1.7144% | 2,316 |
| Net interest margin | 4.0668% | 2,583 |
| Noninterest income to average assets | 1.1698% | 896 |
| Noninterest expense to average assets | 3.7490% | 1,418 |
| Loan and lease loss provision to assets | 2.9134% | 345 |
| Net operating income to assets | -1.1914% | 7,210 |
| Return on assets (ROA) | -1.7503% | 7,404 |
| Pretax return on assets | -2.7591% | 7,560 |
| Return on Equity (ROE) | -16.7069% | 7,358 |
| Retained earnings to average equity (ytd only) | -16.7069% | 7,266 |
| Net charge-offs to loans | 2.4621% | 670 |
| Credit loss provision to net charge-offs | 151.0614% | 2,362 |
| Earnings coverage of net charge-offs (x) | 0.5327% | 4,559 |
| Efficiency ratio | 77.9382% | 2,911 |
| Assets per employee ($millions) | 2.6923% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 819 |
| Loan loss allowance to noncurrent loans | 52.8622% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 6.7089% | 828 |
| Noncurrent loans to loans | 5.6843% | 1,197 |
| Net loans and leases to total assets | 74.9325% | 1,758 |
| Net loans and leases to deposits | 97.6072% | 945 |
| Net loans and leases to core deposits | 101.0015% | 2,033 |
| Total domestic deposits to total assets | 76.7694% | 6,605 |
| Equity capital to assets | 10.4638% | 3,281 |
| Core capital (leverage) ratio | 10.0220% | 3,143 |
| Tier 1 risk-based capital ratio | 12.3750% | 4,852 |
| Total risk-based capital ratio | 13.6461% | 4,784 |
| Memoranda: | ||
| Average total assets | $713,264,500 | 968 |
| Average earning assets | $632,531,500 | 989 |
| Average equity | $74,723,500 | 883 |
| Average total loans | $558,713,000 | 847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2459% | 1,130 |
| Cost of funding earning assets | 2.1140% | 2,391 |
| Net interest margin | 4.1318% | 2,311 |
| Noninterest income to average assets | 1.6555% | 527 |
| Noninterest expense to average assets | 3.3870% | 2,724 |
| Loan and lease loss provision to assets | 1.7409% | 1,307 |
| Net operating income to assets | 0.2181% | 4,839 |
| Return on assets (ROA) | -0.0441% | 5,598 |
| Pretax return on assets | -0.1797% | 5,678 |
| Return on Equity (ROE) | -0.4116% | 5,603 |
| Retained earnings to average equity (ytd only) | -0.9823% | 5,251 |
| Net charge-offs to loans | 0.9036% | 2,582 |
| Credit loss provision to net charge-offs | 233.0383% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.6382% | 3,797 |
| Efficiency ratio | 62.6405% | 6,031 |
| Assets per employee ($millions) | 2.6114% | 7,021 |
| Cash dividends to net income (ytd only)* | -138.6667% | 7,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6564% | 1,062 |
| Loan loss allowance to noncurrent loans | 36.5401% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 7.3391% | 672 |
| Noncurrent loans to loans | 7.2697% | 741 |
| Net loans and leases to total assets | 77.3170% | 1,517 |
| Net loans and leases to deposits | 101.0880% | 815 |
| Net loans and leases to core deposits | 122.4542% | 1,748 |
| Total domestic deposits to total assets | 76.4848% | 6,591 |
| Equity capital to assets | 10.4889% | 3,192 |
| Core capital (leverage) ratio | 10.2404% | 2,832 |
| Tier 1 risk-based capital ratio | 12.3947% | 4,600 |
| Total risk-based capital ratio | 13.6618% | 4,546 |
| Memoranda: | ||
| Average total assets | $680,686,000 | 1,009 |
| Average earning assets | $609,923,400 | 1,026 |
| Average equity | $72,888,000 | 894 |
| Average total loans | $562,763,400 | 851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3378% | 1,052 |
| Cost of funding earning assets | 2.1912% | 2,449 |
| Net interest margin | 4.1466% | 2,225 |
| Noninterest income to average assets | 1.7382% | 485 |
| Noninterest expense to average assets | 3.4527% | 2,409 |
| Loan and lease loss provision to assets | 1.8300% | 1,019 |
| Net operating income to assets | 0.1999% | 5,157 |
| Return on assets (ROA) | -0.1106% | 5,934 |
| Pretax return on assets | -0.3070% | 6,107 |
| Return on Equity (ROE) | -1.0273% | 5,935 |
| Retained earnings to average equity (ytd only) | -1.7918% | 5,679 |
| Net charge-offs to loans | 0.7683% | 2,440 |
| Credit loss provision to net charge-offs | 285.1418% | 1,469 |
| Earnings coverage of net charge-offs (x) | 3.1289% | 3,670 |
| Efficiency ratio | 62.6368% | 5,994 |
| Assets per employee ($millions) | 2.5671% | 7,116 |
| Cash dividends to net income (ytd only)* | -74.4187% | 7,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5245% | 1,033 |
| Loan loss allowance to noncurrent loans | 47.1097% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 5.6107% | 1,008 |
| Noncurrent loans to loans | 5.3588% | 1,187 |
| Net loans and leases to total assets | 79.2420% | 1,338 |
| Net loans and leases to deposits | 108.1413% | 554 |
| Net loans and leases to core deposits | 127.8267% | 1,595 |
| Total domestic deposits to total assets | 73.2763% | 7,051 |
| Equity capital to assets | 10.3950% | 3,621 |
| Core capital (leverage) ratio | 10.1263% | 3,143 |
| Tier 1 risk-based capital ratio | 12.0091% | 4,968 |
| Total risk-based capital ratio | 13.2747% | 4,890 |
| Memoranda: | ||
| Average total assets | $673,937,750 | 1,032 |
| Average earning assets | $605,007,500 | 1,048 |
| Average equity | $72,553,000 | 912 |
| Average total loans | $562,932,500 | 866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4536% | 914 |
| Cost of funding earning assets | 2.2634% | 2,511 |
| Net interest margin | 4.1902% | 2,034 |
| Noninterest income to average assets | 1.7654% | 470 |
| Noninterest expense to average assets | 3.5904% | 2,092 |
| Loan and lease loss provision to assets | 1.8103% | 913 |
| Net operating income to assets | 0.1183% | 5,509 |
| Return on assets (ROA) | -0.0958% | 6,050 |
| Pretax return on assets | -0.2014% | 6,125 |
| Return on Equity (ROE) | -0.8790% | 6,059 |
| Retained earnings to average equity (ytd only) | -0.8790% | 5,449 |
| Net charge-offs to loans | 0.6304% | 2,459 |
| Credit loss provision to net charge-offs | 340.6532% | 1,362 |
| Earnings coverage of net charge-offs (x) | 3.6571% | 3,354 |
| Efficiency ratio | 63.3773% | 6,027 |
| Assets per employee ($millions) | 2.4991% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 1,194 |
| Loan loss allowance to noncurrent loans | 47.9513% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 5.0867% | 1,031 |
| Noncurrent loans to loans | 4.6476% | 1,373 |
| Net loans and leases to total assets | 82.0987% | 936 |
| Net loans and leases to deposits | 111.9104% | 483 |
| Net loans and leases to core deposits | 132.5254% | 1,401 |
| Total domestic deposits to total assets | 73.3611% | 7,057 |
| Equity capital to assets | 11.0013% | 2,921 |
| Core capital (leverage) ratio | 10.1679% | 3,128 |
| Tier 1 risk-based capital ratio | 12.2140% | 4,741 |
| Total risk-based capital ratio | 13.4760% | 4,651 |
| Memoranda: | ||
| Average total assets | $668,399,330 | 1,056 |
| Average earning assets | $601,119,670 | 1,071 |
| Average equity | $72,809,670 | 917 |
| Average total loans | $563,450,000 | 889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4635% | 929 |
| Cost of funding earning assets | 2.2348% | 2,986 |
| Net interest margin | 4.2287% | 1,810 |
| Noninterest income to average assets | 1.6771% | 485 |
| Noninterest expense to average assets | 3.2288% | 2,863 |
| Loan and lease loss provision to assets | 3.0140% | 357 |
| Net operating income to assets | -0.4515% | 6,828 |
| Return on assets (ROA) | -0.8308% | 7,178 |
| Pretax return on assets | -1.3357% | 7,316 |
| Return on Equity (ROE) | -7.6644% | 7,212 |
| Retained earnings to average equity (ytd only) | -7.6644% | 6,876 |
| Net charge-offs to loans | 0.8246% | 1,574 |
| Credit loss provision to net charge-offs | 432.7335% | 1,220 |
| Earnings coverage of net charge-offs (x) | 3.2605% | 3,225 |
| Efficiency ratio | 58.1226% | 6,686 |
| Assets per employee ($millions) | 2.5600% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1272% | 1,186 |
| Loan loss allowance to noncurrent loans | 60.6483% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.3774% | 1,614 |
| Noncurrent loans to loans | 3.5075% | 1,814 |
| Net loans and leases to total assets | 81.4106% | 1,117 |
| Net loans and leases to deposits | 109.5071% | 638 |
| Net loans and leases to core deposits | 128.1666% | 1,772 |
| Total domestic deposits to total assets | 74.3428% | 6,829 |
| Equity capital to assets | 10.5341% | 3,433 |
| Core capital (leverage) ratio | 10.2832% | 3,130 |
| Tier 1 risk-based capital ratio | 12.1110% | 4,862 |
| Total risk-based capital ratio | 13.3728% | 4,753 |
| Memoranda: | ||
| Average total assets | $670,215,000 | 1,054 |
| Average earning assets | $605,863,500 | 1,062 |
| Average equity | $72,648,000 | 923 |
| Average total loans | $566,072,000 | 881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0193% | 1,087 |
| Cost of funding earning assets | 2.5854% | 3,756 |
| Net interest margin | 4.4339% | 1,581 |
| Noninterest income to average assets | 1.1924% | 1,065 |
| Noninterest expense to average assets | 3.1971% | 3,347 |
| Loan and lease loss provision to assets | 0.6090% | 2,385 |
| Net operating income to assets | 0.8143% | 3,370 |
| Return on assets (ROA) | 0.4429% | 4,805 |
| Pretax return on assets | 0.8160% | 4,005 |
| Return on Equity (ROE) | 4.2679% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.5408% | 4,912 |
| Net charge-offs to loans | 0.3303% | 3,193 |
| Credit loss provision to net charge-offs | 217.4973% | 2,208 |
| Earnings coverage of net charge-offs (x) | 7.1620% | 3,172 |
| Efficiency ratio | 60.7522% | 6,211 |
| Assets per employee ($millions) | 2.5075% | 7,192 |
| Cash dividends to net income (ytd only)* | 87.3288% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,959 |
| Loan loss allowance to noncurrent loans | 60.3994% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.2413% | 2,173 |
| Noncurrent loans to loans | 2.3899% | 2,300 |
| Net loans and leases to total assets | 84.5459% | 800 |
| Net loans and leases to deposits | 116.7050% | 495 |
| Net loans and leases to core deposits | 134.8490% | 1,544 |
| Total domestic deposits to total assets | 72.4441% | 6,923 |
| Equity capital to assets | 11.1548% | 2,915 |
| Core capital (leverage) ratio | 10.4748% | 2,995 |
| Tier 1 risk-based capital ratio | 12.4067% | 4,500 |
| Total risk-based capital ratio | 13.6595% | 4,399 |
| Memoranda: | ||
| Average total assets | $659,317,000 | 1,017 |
| Average earning assets | $596,273,800 | 1,025 |
| Average equity | $68,417,000 | 979 |
| Average total loans | $558,858,200 | 851 |