Home > Uwharrie Bank > Performance and Condition Ratios
Uwharrie 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 | 4.6424% | 2,794 |
| Cost of funding earning assets | 1.1842% | 2,843 |
| Net interest margin | 3.4582% | 2,284 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.8291% | 1,432 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9398% | 2,403 |
| Return on assets (ROA) | 0.9366% | 2,399 |
| Pretax return on assets | 1.1744% | 2,204 |
| Return on Equity (ROE) | 14.9500% | 1,299 |
| Retained earnings to average equity (ytd only) | 11.0379% | 784 |
| Net charge-offs to loans | 0.1152% | 825 |
| Credit loss provision to net charge-offs | 236.9255% | 1,111 |
| Earnings coverage of net charge-offs (x) | 21.8859% | 1,828 |
| Efficiency ratio | 68.1863% | 2,089 |
| Assets per employee ($millions) | 6.1883% | 2,653 |
| Cash dividends to net income (ytd only)* | 26.1659% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,603 |
| Loan loss allowance to noncurrent loans | 505.0863% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 2,762 |
| Noncurrent loans to loans | 0.1845% | 2,592 |
| Net loans and leases to total assets | 55.2200% | 3,263 |
| Net loans and leases to deposits | 59.8609% | 3,530 |
| Net loans and leases to core deposits | 64.9963% | 3,543 |
| Total domestic deposits to total assets | 92.2500% | 271 |
| Equity capital to assets | 6.8247% | 4,011 |
| Core capital (leverage) ratio | 9.1476% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1498% | 1,816 |
| Memoranda: | ||
| Average total assets | $1,046,225,000 | 944 |
| Average earning assets | $987,002,800 | 918 |
| Average equity | $65,546,600 | 1,313 |
| Average total loans | $547,798,400 | 1,157 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,876 |
| Cost of funding earning assets | 1.0933% | 2,762 |
| Net interest margin | 3.4225% | 2,408 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.8417% | 1,341 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9285% | 2,590 |
| Return on assets (ROA) | 0.9242% | 2,588 |
| Pretax return on assets | 1.1605% | 2,388 |
| Return on Equity (ROE) | 15.1000% | 1,426 |
| Retained earnings to average equity (ytd only) | 14.2152% | 649 |
| Net charge-offs to loans | 0.1424% | 577 |
| Credit loss provision to net charge-offs | 173.0769% | 1,219 |
| Earnings coverage of net charge-offs (x) | 17.6224% | 1,896 |
| Efficiency ratio | 68.7432% | 1,935 |
| Assets per employee ($millions) | 6.2446% | 2,531 |
| Cash dividends to net income (ytd only)* | 5.8530% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 3,808 |
| Loan loss allowance to noncurrent loans | 623.0207% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,981 |
| Noncurrent loans to loans | 0.1407% | 2,846 |
| Net loans and leases to total assets | 54.1600% | 3,348 |
| Net loans and leases to deposits | 58.1419% | 3,600 |
| Net loans and leases to core deposits | 62.5882% | 3,589 |
| Total domestic deposits to total assets | 93.1500% | 277 |
| Equity capital to assets | 5.7906% | 4,057 |
| Core capital (leverage) ratio | 9.3087% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2277% | 1,810 |
| Memoranda: | ||
| Average total assets | $1,040,136,500 | 949 |
| Average earning assets | $980,631,000 | 926 |
| Average equity | $63,667,250 | 1,328 |
| Average total loans | $535,556,500 | 1,168 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 2,849 |
| Cost of funding earning assets | 0.9952% | 2,619 |
| Net interest margin | 3.4198% | 2,474 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.8773% | 1,265 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9312% | 2,647 |
| Return on assets (ROA) | 0.9248% | 2,656 |
| Pretax return on assets | 1.1590% | 2,479 |
| Return on Equity (ROE) | 14.8300% | 1,501 |
| Retained earnings to average equity (ytd only) | 13.9611% | 685 |
| Net charge-offs to loans | 0.1447% | 527 |
| Credit loss provision to net charge-offs | 104.2553% | 1,411 |
| Earnings coverage of net charge-offs (x) | 17.0266% | 1,811 |
| Efficiency ratio | 69.8488% | 1,776 |
| Assets per employee ($millions) | 5.8969% | 2,797 |
| Cash dividends to net income (ytd only)* | 5.8737% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 3,845 |
| Loan loss allowance to noncurrent loans | 1,175.3117% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,254 |
| Noncurrent loans to loans | 0.0746% | 3,152 |
| Net loans and leases to total assets | 51.6400% | 3,438 |
| Net loans and leases to deposits | 55.8141% | 3,657 |
| Net loans and leases to core deposits | 59.3399% | 3,667 |
| Total domestic deposits to total assets | 92.5300% | 318 |
| Equity capital to assets | 6.3923% | 4,038 |
| Core capital (leverage) ratio | 9.2326% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5645% | 1,710 |
| Memoranda: | ||
| Average total assets | $1,030,908,000 | 944 |
| Average earning assets | $972,877,667 | 922 |
| Average equity | $64,278,667 | 1,314 |
| Average total loans | $519,602,333 | 1,179 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,952 |
| Cost of funding earning assets | 0.8744% | 2,456 |
| Net interest margin | 3.3661% | 2,719 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.7407% | 1,569 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.8769% | 2,935 |
| Return on assets (ROA) | 0.8610% | 2,935 |
| Pretax return on assets | 1.0711% | 2,796 |
| Return on Equity (ROE) | 13.9900% | 1,776 |
| Retained earnings to average equity (ytd only) | 13.1095% | 1,073 |
| Net charge-offs to loans | 0.3071% | 258 |
| Credit loss provision to net charge-offs | 74.2347% | 1,233 |
| Earnings coverage of net charge-offs (x) | 7.8929% | 1,739 |
| Efficiency ratio | 69.5292% | 1,801 |
| Assets per employee ($millions) | 5.8605% | 2,887 |
| Cash dividends to net income (ytd only)* | 6.2669% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 3,904 |
| Loan loss allowance to noncurrent loans | 822.1825% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,128 |
| Noncurrent loans to loans | 0.1074% | 2,991 |
| Net loans and leases to total assets | 49.4500% | 3,535 |
| Net loans and leases to deposits | 53.4047% | 3,721 |
| Net loans and leases to core deposits | 56.4156% | 3,717 |
| Total domestic deposits to total assets | 92.6000% | 378 |
| Equity capital to assets | 6.3068% | 4,105 |
| Core capital (leverage) ratio | 9.0682% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6556% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,030,382,000 | 962 |
| Average earning assets | $974,415,000 | 934 |
| Average equity | $63,435,000 | 1,338 |
| Average total loans | $510,573,000 | 1,208 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 3,368 |
| Cost of funding earning assets | 0.2652% | 3,207 |
| Net interest margin | 3.1245% | 3,101 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.9651% | 1,013 |
| Loan and lease loss provision to assets | -0.1800% | 4,615 |
| Net operating income to assets | 0.9664% | 2,695 |
| Return on assets (ROA) | 0.9589% | 2,678 |
| Pretax return on assets | 1.1645% | 2,550 |
| Return on Equity (ROE) | 13.8800% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.0375% | 1,468 |
| Net charge-offs to loans | -0.0049% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.8535% | 1,132 |
| Assets per employee ($millions) | 5.8483% | 2,905 |
| Cash dividends to net income (ytd only)* | 34.8916% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 4,472 |
| Loan loss allowance to noncurrent loans | 573.9348% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,409 |
| Noncurrent loans to loans | 0.0797% | 3,189 |
| Net loans and leases to total assets | 48.9800% | 3,589 |
| Net loans and leases to deposits | 52.7013% | 3,751 |
| Net loans and leases to core deposits | 54.8313% | 3,774 |
| Total domestic deposits to total assets | 92.9300% | 421 |
| Equity capital to assets | 6.0024% | 4,089 |
| Core capital (leverage) ratio | 8.9529% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7586% | 1,707 |
| Memoranda: | ||
| Average total assets | $990,551,800 | 989 |
| Average earning assets | $935,614,600 | 964 |
| Average equity | $68,426,000 | 1,273 |
| Average total loans | $471,445,200 | 1,228 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1382% | 3,585 |
| Cost of funding earning assets | 0.1306% | 4,026 |
| Net interest margin | 3.0076% | 3,202 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.9361% | 1,001 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 0.8500% | 3,067 |
| Return on assets (ROA) | 0.8400% | 3,070 |
| Pretax return on assets | 1.0365% | 2,911 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.9605% | 1,064 |
| Net charge-offs to loans | -0.0121% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.3825% | 963 |
| Assets per employee ($millions) | 5.8897% | 2,858 |
| Cash dividends to net income (ytd only)* | 6.8086% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 4,428 |
| Loan loss allowance to noncurrent loans | 1,323.8806% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,751 |
| Noncurrent loans to loans | 0.0417% | 3,589 |
| Net loans and leases to total assets | 46.2300% | 3,743 |
| Net loans and leases to deposits | 49.5482% | 3,886 |
| Net loans and leases to core deposits | 50.4869% | 3,924 |
| Total domestic deposits to total assets | 93.3100% | 497 |
| Equity capital to assets | 5.6313% | 4,091 |
| Core capital (leverage) ratio | 9.0256% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0854% | 1,681 |
| Memoranda: | ||
| Average total assets | $983,790,500 | 1,004 |
| Average earning assets | $928,871,750 | 976 |
| Average equity | $70,262,500 | 1,260 |
| Average total loans | $464,140,750 | 1,239 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0143% | 3,523 |
| Cost of funding earning assets | 0.0864% | 4,324 |
| Net interest margin | 2.9280% | 3,095 |
| Noninterest income to average assets | 1.0095% | 649 |
| Noninterest expense to average assets | 2.9646% | 885 |
| Loan and lease loss provision to assets | 0.0217% | 2,210 |
| Net operating income to assets | 0.6534% | 3,463 |
| Return on assets (ROA) | 0.6378% | 3,465 |
| Pretax return on assets | 0.7692% | 3,409 |
| Return on Equity (ROE) | 8.3017% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.5473% | 1,794 |
| Net charge-offs to loans | -0.0275% | 4,010 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5456% | 1,050 |
| Assets per employee ($millions) | 5.5569% | 3,167 |
| Cash dividends to net income (ytd only)* | 9.0880% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 3,999 |
| Loan loss allowance to noncurrent loans | 713.2653% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,388 |
| Noncurrent loans to loans | 0.1240% | 3,104 |
| Net loans and leases to total assets | 47.5327% | 3,591 |
| Net loans and leases to deposits | 51.4266% | 3,733 |
| Net loans and leases to core deposits | 52.4286% | 3,794 |
| Total domestic deposits to total assets | 92.4284% | 682 |
| Equity capital to assets | 6.5471% | 4,001 |
| Core capital (leverage) ratio | 9.0869% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9184% | 1,724 |
| Memoranda: | ||
| Average total assets | $966,190,667 | 1,011 |
| Average earning assets | $912,370,333 | 995 |
| Average equity | $74,225,667 | 1,239 |
| Average total loans | $458,216,000 | 1,251 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9116% | 3,502 |
| Cost of funding earning assets | 0.0798% | 4,359 |
| Net interest margin | 2.8318% | 3,038 |
| Noninterest income to average assets | 1.1040% | 555 |
| Noninterest expense to average assets | 3.1423% | 655 |
| Loan and lease loss provision to assets | 0.0494% | 1,485 |
| Net operating income to assets | 0.4808% | 3,758 |
| Return on assets (ROA) | 0.4496% | 3,811 |
| Pretax return on assets | 0.5501% | 3,752 |
| Return on Equity (ROE) | 5.4357% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.7316% | 2,690 |
| Net charge-offs to loans | -0.0107% | 3,612 |
| Credit loss provision to net charge-offs | -983.3333% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1301% | 911 |
| Assets per employee ($millions) | 5.3683% | 3,429 |
| Cash dividends to net income (ytd only)* | 12.9543% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,024 |
| Loan loss allowance to noncurrent loans | 482.6945% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,191 |
| Noncurrent loans to loans | 0.1881% | 2,877 |
| Net loans and leases to total assets | 46.6913% | 3,517 |
| Net loans and leases to deposits | 51.0888% | 3,641 |
| Net loans and leases to core deposits | 52.4565% | 3,698 |
| Total domestic deposits to total assets | 91.3924% | 853 |
| Equity capital to assets | 7.4519% | 3,962 |
| Core capital (leverage) ratio | 9.2101% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0186% | 1,789 |
| Memoranda: | ||
| Average total assets | $954,723,500 | 1,028 |
| Average earning assets | $902,179,500 | 1,014 |
| Average equity | $78,959,000 | 1,213 |
| Average total loans | $450,148,000 | 1,258 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 2,979 |
| Cost of funding earning assets | 0.0907% | 4,452 |
| Net interest margin | 3.2910% | 2,338 |
| Noninterest income to average assets | 2.0030% | 320 |
| Noninterest expense to average assets | 3.7501% | 369 |
| Loan and lease loss provision to assets | -0.1055% | 4,542 |
| Net operating income to assets | 1.1497% | 2,111 |
| Return on assets (ROA) | 1.2397% | 1,837 |
| Pretax return on assets | 1.5789% | 1,486 |
| Return on Equity (ROE) | 14.5365% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.7749% | 325 |
| Net charge-offs to loans | -0.1187% | 4,614 |
| Credit loss provision to net charge-offs | 169.3727% | 1,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3936% | 1,376 |
| Assets per employee ($millions) | 5.3896% | 3,368 |
| Cash dividends to net income (ytd only)* | 5.2392% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,042 |
| Loan loss allowance to noncurrent loans | 414.1975% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,208 |
| Noncurrent loans to loans | 0.2197% | 2,866 |
| Net loans and leases to total assets | 46.7519% | 3,625 |
| Net loans and leases to deposits | 52.0916% | 3,733 |
| Net loans and leases to core deposits | 53.6704% | 3,778 |
| Total domestic deposits to total assets | 89.7493% | 1,084 |
| Equity capital to assets | 9.1183% | 3,495 |
| Core capital (leverage) ratio | 9.4294% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5593% | 1,668 |
| Memoranda: | ||
| Average total assets | $869,898,600 | 1,072 |
| Average earning assets | $821,159,400 | 1,059 |
| Average equity | $74,185,600 | 1,286 |
| Average total loans | $456,467,000 | 1,252 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 2,936 |
| Cost of funding earning assets | 0.0942% | 4,545 |
| Net interest margin | 3.3691% | 2,240 |
| Noninterest income to average assets | 2.2585% | 280 |
| Noninterest expense to average assets | 3.9534% | 294 |
| Loan and lease loss provision to assets | -0.1926% | 4,743 |
| Net operating income to assets | 1.3191% | 1,761 |
| Return on assets (ROA) | 1.4414% | 1,481 |
| Pretax return on assets | 1.8296% | 1,094 |
| Return on Equity (ROE) | 17.2300% | 737 |
| Retained earnings to average equity (ytd only) | 16.4396% | 271 |
| Net charge-offs to loans | -0.1446% | 4,717 |
| Credit loss provision to net charge-offs | 246.8938% | 1,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7330% | 1,339 |
| Assets per employee ($millions) | 5.2133% | 3,489 |
| Cash dividends to net income (ytd only)* | 4.5874% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,307 |
| Loan loss allowance to noncurrent loans | 113.8691% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 2,030 |
| Noncurrent loans to loans | 0.7291% | 1,535 |
| Net loans and leases to total assets | 47.7800% | 3,644 |
| Net loans and leases to deposits | 53.4496% | 3,783 |
| Net loans and leases to core deposits | 55.1604% | 3,842 |
| Total domestic deposits to total assets | 89.3925% | 1,077 |
| Equity capital to assets | 9.2301% | 3,626 |
| Core capital (leverage) ratio | 9.7256% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1556% | 1,578 |
| Memoranda: | ||
| Average total assets | $852,925,000 | 1,099 |
| Average earning assets | $804,277,750 | 1,092 |
| Average equity | $71,354,250 | 1,349 |
| Average total loans | $459,968,250 | 1,260 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 3,022 |
| Cost of funding earning assets | 0.0997% | 4,587 |
| Net interest margin | 3.3535% | 2,290 |
| Noninterest income to average assets | 2.4059% | 263 |
| Noninterest expense to average assets | 3.9010% | 312 |
| Loan and lease loss provision to assets | -0.0421% | 4,496 |
| Net operating income to assets | 1.3424% | 1,733 |
| Return on assets (ROA) | 1.5307% | 1,279 |
| Pretax return on assets | 1.9411% | 934 |
| Return on Equity (ROE) | 19.0199% | 541 |
| Retained earnings to average equity (ytd only) | 18.1829% | 214 |
| Net charge-offs to loans | 0.0228% | 1,490 |
| Credit loss provision to net charge-offs | -330.1887% | 3,346 |
| Earnings coverage of net charge-offs (x) | 130.2453% | 646 |
| Efficiency ratio | 70.1414% | 1,618 |
| Assets per employee ($millions) | 4.7589% | 3,874 |
| Cash dividends to net income (ytd only)* | 4.4004% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,064 |
| Loan loss allowance to noncurrent loans | 155.6882% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 2,326 |
| Noncurrent loans to loans | 0.5978% | 1,908 |
| Net loans and leases to total assets | 52.7436% | 3,277 |
| Net loans and leases to deposits | 58.3084% | 3,521 |
| Net loans and leases to core deposits | 59.9701% | 3,620 |
| Total domestic deposits to total assets | 90.4563% | 572 |
| Equity capital to assets | 8.1664% | 4,447 |
| Core capital (leverage) ratio | 8.1369% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0897% | 2,337 |
| Memoranda: | ||
| Average total assets | $831,385,667 | 1,119 |
| Average earning assets | $782,337,667 | 1,110 |
| Average equity | $66,909,000 | 1,406 |
| Average total loans | $465,933,667 | 1,251 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 2,341 |
| Cost of funding earning assets | 0.1097% | 4,590 |
| Net interest margin | 3.5971% | 1,599 |
| Noninterest income to average assets | 2.9267% | 206 |
| Noninterest expense to average assets | 3.9302% | 302 |
| Loan and lease loss provision to assets | -0.0165% | 4,599 |
| Net operating income to assets | 1.8905% | 679 |
| Return on assets (ROA) | 2.2501% | 413 |
| Pretax return on assets | 2.8497% | 283 |
| Return on Equity (ROE) | 28.1706% | 180 |
| Retained earnings to average equity (ytd only) | 27.3278% | 103 |
| Net charge-offs to loans | 0.0986% | 693 |
| Credit loss provision to net charge-offs | -29.0598% | 2,721 |
| Earnings coverage of net charge-offs (x) | 41.9658% | 969 |
| Efficiency ratio | 62.3033% | 2,703 |
| Assets per employee ($millions) | 4.8495% | 3,801 |
| Cash dividends to net income (ytd only)* | 2.9918% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,164 |
| Loan loss allowance to noncurrent loans | 144.9216% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 2,388 |
| Noncurrent loans to loans | 0.6181% | 2,022 |
| Net loans and leases to total assets | 56.7250% | 2,953 |
| Net loans and leases to deposits | 62.8123% | 3,244 |
| Net loans and leases to core deposits | 64.9117% | 3,325 |
| Total domestic deposits to total assets | 90.3087% | 665 |
| Equity capital to assets | 7.9995% | 4,487 |
| Core capital (leverage) ratio | 8.1238% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7311% | 2,398 |
| Memoranda: | ||
| Average total assets | $825,915,500 | 1,115 |
| Average earning assets | $776,394,000 | 1,106 |
| Average equity | $65,969,500 | 1,410 |
| Average total loans | $474,677,000 | 1,235 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 4,007 |
| Cost of funding earning assets | 0.2433% | 4,408 |
| Net interest margin | 3.2679% | 3,164 |
| Noninterest income to average assets | 2.7170% | 227 |
| Noninterest expense to average assets | 3.9941% | 383 |
| Loan and lease loss provision to assets | 0.3245% | 1,125 |
| Net operating income to assets | 1.1352% | 1,781 |
| Return on assets (ROA) | 1.1429% | 1,878 |
| Pretax return on assets | 1.4714% | 1,435 |
| Return on Equity (ROE) | 14.1024% | 788 |
| Retained earnings to average equity (ytd only) | 8.9599% | 778 |
| Net charge-offs to loans | -0.0079% | 4,214 |
| Credit loss provision to net charge-offs | -7,020.5882% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0982% | 2,080 |
| Assets per employee ($millions) | 4.7823% | 3,623 |
| Cash dividends to net income (ytd only)* | 36.4653% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 4,103 |
| Loan loss allowance to noncurrent loans | 117.1368% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,202 |
| Noncurrent loans to loans | 0.7917% | 1,754 |
| Net loans and leases to total assets | 57.1747% | 3,181 |
| Net loans and leases to deposits | 63.1024% | 3,512 |
| Net loans and leases to core deposits | 65.6886% | 3,566 |
| Total domestic deposits to total assets | 90.6062% | 334 |
| Equity capital to assets | 7.9753% | 4,719 |
| Core capital (leverage) ratio | 7.7217% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0799% | 2,600 |
| Memoranda: | ||
| Average total assets | $735,691,800 | 1,126 |
| Average earning assets | $689,623,000 | 1,117 |
| Average equity | $59,621,200 | 1,451 |
| Average total loans | $428,750,600 | 1,276 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 4,122 |
| Cost of funding earning assets | 0.2817% | 4,384 |
| Net interest margin | 3.2698% | 3,280 |
| Noninterest income to average assets | 2.2854% | 276 |
| Noninterest expense to average assets | 3.9916% | 379 |
| Loan and lease loss provision to assets | 0.4604% | 684 |
| Net operating income to assets | 0.6792% | 3,523 |
| Return on assets (ROA) | 0.6906% | 3,591 |
| Pretax return on assets | 0.9111% | 3,348 |
| Return on Equity (ROE) | 8.4825% | 2,607 |
| Retained earnings to average equity (ytd only) | 1.7754% | 4,006 |
| Net charge-offs to loans | -0.0153% | 4,341 |
| Credit loss provision to net charge-offs | -5,135.4167% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6282% | 1,347 |
| Assets per employee ($millions) | 4.6854% | 3,618 |
| Cash dividends to net income (ytd only)* | 79.0698% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,911 |
| Loan loss allowance to noncurrent loans | 116.1240% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 2,092 |
| Noncurrent loans to loans | 0.8138% | 1,795 |
| Net loans and leases to total assets | 59.8420% | 3,246 |
| Net loans and leases to deposits | 65.8293% | 3,633 |
| Net loans and leases to core deposits | 66.7274% | 3,847 |
| Total domestic deposits to total assets | 90.9049% | 192 |
| Equity capital to assets | 7.6580% | 4,821 |
| Core capital (leverage) ratio | 7.4569% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3981% | 2,818 |
| Memoranda: | ||
| Average total assets | $713,974,000 | 1,142 |
| Average earning assets | $668,882,500 | 1,130 |
| Average equity | $58,126,000 | 1,476 |
| Average total loans | $417,263,250 | 1,300 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 4,258 |
| Cost of funding earning assets | 0.3416% | 4,304 |
| Net interest margin | 3.2636% | 3,480 |
| Noninterest income to average assets | 2.0177% | 287 |
| Noninterest expense to average assets | 3.9180% | 444 |
| Loan and lease loss provision to assets | 0.4058% | 993 |
| Net operating income to assets | 0.5906% | 3,771 |
| Return on assets (ROA) | 0.6038% | 3,802 |
| Pretax return on assets | 0.7645% | 3,689 |
| Return on Equity (ROE) | 7.2533% | 3,032 |
| Retained earnings to average equity (ytd only) | -2.4387% | 4,618 |
| Net charge-offs to loans | -0.0231% | 4,452 |
| Credit loss provision to net charge-offs | -3,041.3043% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2561% | 1,129 |
| Assets per employee ($millions) | 4.3722% | 3,937 |
| Cash dividends to net income (ytd only)* | 133.6215% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,473 |
| Loan loss allowance to noncurrent loans | 86.9764% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,078 |
| Noncurrent loans to loans | 0.8577% | 1,776 |
| Net loans and leases to total assets | 61.3235% | 3,184 |
| Net loans and leases to deposits | 67.3657% | 3,613 |
| Net loans and leases to core deposits | 68.3875% | 3,835 |
| Total domestic deposits to total assets | 91.0307% | 141 |
| Equity capital to assets | 7.8792% | 4,771 |
| Core capital (leverage) ratio | 7.7351% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7179% | 2,725 |
| Memoranda: | ||
| Average total assets | $689,583,333 | 1,157 |
| Average earning assets | $645,235,000 | 1,147 |
| Average equity | $57,408,000 | 1,479 |
| Average total loans | $397,838,333 | 1,331 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,338 |
| Cost of funding earning assets | 0.4719% | 4,063 |
| Net interest margin | 3.2532% | 3,713 |
| Noninterest income to average assets | 1.5855% | 356 |
| Noninterest expense to average assets | 4.0070% | 504 |
| Loan and lease loss provision to assets | 0.3814% | 803 |
| Net operating income to assets | 0.1832% | 4,550 |
| Return on assets (ROA) | 0.2112% | 4,523 |
| Pretax return on assets | 0.2656% | 4,501 |
| Return on Equity (ROE) | 2.4635% | 4,350 |
| Retained earnings to average equity (ytd only) | -5.5675% | 4,559 |
| Net charge-offs to loans | -0.0153% | 4,222 |
| Credit loss provision to net charge-offs | -4,514.2857% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7503% | 650 |
| Assets per employee ($millions) | 3.9006% | 4,051 |
| Cash dividends to net income (ytd only)* | 326.0000% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 4,601 |
| Loan loss allowance to noncurrent loans | 63.6386% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 1,962 |
| Noncurrent loans to loans | 1.1055% | 1,500 |
| Net loans and leases to total assets | 55.2645% | 3,891 |
| Net loans and leases to deposits | 61.2099% | 4,147 |
| Net loans and leases to core deposits | 62.5113% | 4,257 |
| Total domestic deposits to total assets | 90.2869% | 241 |
| Equity capital to assets | 8.5313% | 4,817 |
| Core capital (leverage) ratio | 8.3942% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0363% | 2,674 |
| Memoranda: | ||
| Average total assets | $662,740,000 | 1,166 |
| Average earning assets | $617,979,000 | 1,156 |
| Average equity | $56,830,000 | 1,480 |
| Average total loans | $367,145,000 | 1,396 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 4,248 |
| Cost of funding earning assets | 0.4992% | 4,095 |
| Net interest margin | 3.5037% | 3,436 |
| Noninterest income to average assets | 1.2857% | 570 |
| Noninterest expense to average assets | 3.8499% | 627 |
| Loan and lease loss provision to assets | -0.0913% | 5,067 |
| Net operating income to assets | 0.6291% | 4,073 |
| Return on assets (ROA) | 0.6248% | 4,152 |
| Pretax return on assets | 0.7831% | 4,007 |
| Return on Equity (ROE) | 7.2288% | 3,473 |
| Retained earnings to average equity (ytd only) | 1.2751% | 4,283 |
| Net charge-offs to loans | -0.0757% | 4,906 |
| Credit loss provision to net charge-offs | 209.2527% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6663% | 622 |
| Assets per employee ($millions) | 3.8280% | 4,126 |
| Cash dividends to net income (ytd only)* | 82.3602% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5489% | 4,821 |
| Loan loss allowance to noncurrent loans | 67.7960% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,330 |
| Noncurrent loans to loans | 0.8097% | 1,887 |
| Net loans and leases to total assets | 54.8309% | 4,018 |
| Net loans and leases to deposits | 61.0075% | 4,241 |
| Net loans and leases to core deposits | 67.4541% | 4,110 |
| Total domestic deposits to total assets | 89.8757% | 361 |
| Equity capital to assets | 8.6198% | 4,861 |
| Core capital (leverage) ratio | 8.5490% | 4,817 |
| Tier 1 risk-based capital ratio | 13.1624% | 3,707 |
| Total risk-based capital ratio | 13.6272% | 4,010 |
| Memoranda: | ||
| Average total assets | $644,250,600 | 1,159 |
| Average earning assets | $599,703,800 | 1,152 |
| Average equity | $55,680,400 | 1,454 |
| Average total loans | $371,398,600 | 1,351 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 4,285 |
| Cost of funding earning assets | 0.4858% | 4,199 |
| Net interest margin | 3.5523% | 3,398 |
| Noninterest income to average assets | 1.2673% | 571 |
| Noninterest expense to average assets | 3.8116% | 649 |
| Loan and lease loss provision to assets | -0.1056% | 5,166 |
| Net operating income to assets | 0.6930% | 4,036 |
| Return on assets (ROA) | 0.6872% | 4,115 |
| Pretax return on assets | 0.8617% | 3,972 |
| Return on Equity (ROE) | 7.9453% | 3,335 |
| Retained earnings to average equity (ytd only) | 2.7269% | 4,002 |
| Net charge-offs to loans | -0.1037% | 4,997 |
| Credit loss provision to net charge-offs | 174.5704% | 1,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3137% | 661 |
| Assets per employee ($millions) | 3.7224% | 4,251 |
| Cash dividends to net income (ytd only)* | 65.6790% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5557% | 4,883 |
| Loan loss allowance to noncurrent loans | 67.5914% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 2,285 |
| Noncurrent loans to loans | 0.8221% | 1,920 |
| Net loans and leases to total assets | 56.2554% | 4,031 |
| Net loans and leases to deposits | 62.8159% | 4,248 |
| Net loans and leases to core deposits | 69.5100% | 4,075 |
| Total domestic deposits to total assets | 89.5560% | 431 |
| Equity capital to assets | 8.6706% | 4,940 |
| Core capital (leverage) ratio | 8.8812% | 4,724 |
| Tier 1 risk-based capital ratio | 13.2586% | 3,710 |
| Total risk-based capital ratio | 13.7443% | 4,023 |
| Memoranda: | ||
| Average total assets | $641,667,000 | 1,162 |
| Average earning assets | $597,493,500 | 1,149 |
| Average equity | $55,494,500 | 1,455 |
| Average total loans | $374,024,250 | 1,352 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 4,276 |
| Cost of funding earning assets | 0.4622% | 4,276 |
| Net interest margin | 3.5904% | 3,289 |
| Noninterest income to average assets | 1.1743% | 624 |
| Noninterest expense to average assets | 3.7831% | 677 |
| Loan and lease loss provision to assets | -0.1346% | 5,224 |
| Net operating income to assets | 0.6777% | 4,077 |
| Return on assets (ROA) | 0.6777% | 4,130 |
| Pretax return on assets | 0.8652% | 3,943 |
| Return on Equity (ROE) | 7.8434% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.0946% | 3,200 |
| Net charge-offs to loans | -0.1704% | 5,106 |
| Credit loss provision to net charge-offs | 134.1693% | 1,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8141% | 665 |
| Assets per employee ($millions) | 3.6336% | 4,340 |
| Cash dividends to net income (ytd only)* | 47.7958% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 4,914 |
| Loan loss allowance to noncurrent loans | 197.9110% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,411 |
| Noncurrent loans to loans | 0.2920% | 3,486 |
| Net loans and leases to total assets | 59.9862% | 3,732 |
| Net loans and leases to deposits | 67.1310% | 4,014 |
| Net loans and leases to core deposits | 74.7392% | 3,843 |
| Total domestic deposits to total assets | 89.3568% | 519 |
| Equity capital to assets | 9.0575% | 4,765 |
| Core capital (leverage) ratio | 8.8549% | 4,751 |
| Tier 1 risk-based capital ratio | 13.2383% | 3,717 |
| Total risk-based capital ratio | 13.7488% | 4,017 |
| Memoranda: | ||
| Average total assets | $635,936,330 | 1,169 |
| Average earning assets | $591,468,330 | 1,161 |
| Average equity | $54,950,330 | 1,457 |
| Average total loans | $374,460,670 | 1,352 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 4,302 |
| Cost of funding earning assets | 0.4035% | 4,469 |
| Net interest margin | 3.6267% | 3,151 |
| Noninterest income to average assets | 1.0128% | 780 |
| Noninterest expense to average assets | 3.6650% | 788 |
| Loan and lease loss provision to assets | -0.0705% | 5,274 |
| Net operating income to assets | 0.6261% | 4,158 |
| Return on assets (ROA) | 0.6261% | 4,200 |
| Pretax return on assets | 0.7926% | 4,062 |
| Return on Equity (ROE) | 7.4203% | 3,493 |
| Retained earnings to average equity (ytd only) | 0.8499% | 4,351 |
| Net charge-offs to loans | 0.0300% | 1,852 |
| Credit loss provision to net charge-offs | -403.5714% | 3,770 |
| Earnings coverage of net charge-offs (x) | 41.3571% | 1,133 |
| Efficiency ratio | 83.5394% | 746 |
| Assets per employee ($millions) | 3.7731% | 4,230 |
| Cash dividends to net income (ytd only)* | 88.5458% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 4,935 |
| Loan loss allowance to noncurrent loans | 235.3003% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,560 |
| Noncurrent loans to loans | 0.2554% | 3,645 |
| Net loans and leases to total assets | 56.5760% | 4,017 |
| Net loans and leases to deposits | 62.7172% | 4,258 |
| Net loans and leases to core deposits | 69.1197% | 4,126 |
| Total domestic deposits to total assets | 90.2081% | 382 |
| Equity capital to assets | 8.3564% | 5,062 |
| Core capital (leverage) ratio | 8.6426% | 4,922 |
| Tier 1 risk-based capital ratio | 13.1220% | 3,817 |
| Total risk-based capital ratio | 13.6499% | 4,098 |
| Memoranda: | ||
| Average total assets | $641,412,500 | 1,163 |
| Average earning assets | $596,788,500 | 1,153 |
| Average equity | $54,121,500 | 1,466 |
| Average total loans | $373,149,500 | 1,361 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 4,239 |
| Cost of funding earning assets | 0.2332% | 4,880 |
| Net interest margin | 3.6830% | 3,102 |
| Noninterest income to average assets | 1.2833% | 568 |
| Noninterest expense to average assets | 4.0002% | 529 |
| Loan and lease loss provision to assets | 0.0147% | 3,852 |
| Net operating income to assets | 0.5493% | 4,550 |
| Return on assets (ROA) | 0.5493% | 4,544 |
| Pretax return on assets | 0.6824% | 4,452 |
| Return on Equity (ROE) | 6.3917% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.1215% | 3,828 |
| Net charge-offs to loans | 0.0468% | 2,498 |
| Credit loss provision to net charge-offs | 51.7241% | 3,169 |
| Earnings coverage of net charge-offs (x) | 24.4483% | 1,810 |
| Efficiency ratio | 85.1591% | 572 |
| Assets per employee ($millions) | 3.7957% | 4,180 |
| Cash dividends to net income (ytd only)* | 51.1635% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 4,919 |
| Loan loss allowance to noncurrent loans | 227.3946% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 3,222 |
| Noncurrent loans to loans | 0.2786% | 3,568 |
| Net loans and leases to total assets | 59.1028% | 3,861 |
| Net loans and leases to deposits | 65.4735% | 4,156 |
| Net loans and leases to core deposits | 66.5178% | 4,325 |
| Total domestic deposits to total assets | 90.2698% | 395 |
| Equity capital to assets | 8.5222% | 4,917 |
| Core capital (leverage) ratio | 9.0778% | 4,578 |
| Tier 1 risk-based capital ratio | 13.2434% | 3,698 |
| Total risk-based capital ratio | 13.8110% | 3,973 |
| Memoranda: | ||
| Average total assets | $610,213,000 | 1,181 |
| Average earning assets | $565,654,800 | 1,191 |
| Average equity | $52,443,000 | 1,455 |
| Average total loans | $371,782,200 | 1,332 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 4,302 |
| Cost of funding earning assets | 0.2057% | 5,002 |
| Net interest margin | 3.6547% | 3,186 |
| Noninterest income to average assets | 1.2473% | 619 |
| Noninterest expense to average assets | 4.0857% | 467 |
| Loan and lease loss provision to assets | 0.0203% | 3,601 |
| Net operating income to assets | 0.4324% | 4,892 |
| Return on assets (ROA) | 0.4324% | 4,899 |
| Pretax return on assets | 0.5232% | 4,869 |
| Return on Equity (ROE) | 5.0207% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.6369% | 4,687 |
| Net charge-offs to loans | 0.0665% | 1,881 |
| Credit loss provision to net charge-offs | 49.7297% | 2,832 |
| Earnings coverage of net charge-offs (x) | 13.3352% | 2,371 |
| Efficiency ratio | 88.2602% | 394 |
| Assets per employee ($millions) | 3.7586% | 4,226 |
| Cash dividends to net income (ytd only)* | 67.3969% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 5,006 |
| Loan loss allowance to noncurrent loans | 228.5024% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,340 |
| Noncurrent loans to loans | 0.2726% | 3,706 |
| Net loans and leases to total assets | 59.4014% | 3,907 |
| Net loans and leases to deposits | 65.5505% | 4,233 |
| Net loans and leases to core deposits | 66.4505% | 4,387 |
| Total domestic deposits to total assets | 90.6194% | 310 |
| Equity capital to assets | 8.1960% | 5,089 |
| Core capital (leverage) ratio | 9.0196% | 4,685 |
| Tier 1 risk-based capital ratio | 12.8097% | 4,012 |
| Total risk-based capital ratio | 13.3666% | 4,327 |
| Memoranda: | ||
| Average total assets | $605,245,750 | 1,194 |
| Average earning assets | $560,070,250 | 1,202 |
| Average equity | $52,129,500 | 1,463 |
| Average total loans | $371,035,250 | 1,335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,313 |
| Cost of funding earning assets | 0.1779% | 5,117 |
| Net interest margin | 3.6356% | 3,176 |
| Noninterest income to average assets | 1.2942% | 576 |
| Noninterest expense to average assets | 4.1568% | 438 |
| Loan and lease loss provision to assets | 0.0390% | 3,129 |
| Net operating income to assets | 0.3743% | 5,012 |
| Return on assets (ROA) | 0.3743% | 5,014 |
| Pretax return on assets | 0.4566% | 4,978 |
| Return on Equity (ROE) | 4.2721% | 4,755 |
| Retained earnings to average equity (ytd only) | 1.6644% | 4,581 |
| Net charge-offs to loans | -0.0049% | 4,100 |
| Credit loss provision to net charge-offs | -1,288.8889% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3479% | 395 |
| Assets per employee ($millions) | 3.5990% | 4,472 |
| Cash dividends to net income (ytd only)* | 61.0413% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 4,966 |
| Loan loss allowance to noncurrent loans | 269.6242% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 3,173 |
| Noncurrent loans to loans | 0.2549% | 3,786 |
| Net loans and leases to total assets | 61.0108% | 3,713 |
| Net loans and leases to deposits | 67.5533% | 4,047 |
| Net loans and leases to core deposits | 68.6769% | 4,219 |
| Total domestic deposits to total assets | 90.3151% | 460 |
| Equity capital to assets | 8.5188% | 4,927 |
| Core capital (leverage) ratio | 9.1524% | 4,517 |
| Tier 1 risk-based capital ratio | 12.9426% | 3,920 |
| Total risk-based capital ratio | 13.5596% | 4,184 |
| Memoranda: | ||
| Average total assets | $595,260,330 | 1,212 |
| Average earning assets | $549,841,000 | 1,220 |
| Average equity | $52,152,330 | 1,469 |
| Average total loans | $368,152,330 | 1,343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,294 |
| Cost of funding earning assets | 0.1603% | 5,223 |
| Net interest margin | 3.6124% | 3,126 |
| Noninterest income to average assets | 1.2546% | 590 |
| Noninterest expense to average assets | 4.1644% | 431 |
| Loan and lease loss provision to assets | 0.0532% | 2,711 |
| Net operating income to assets | 0.2944% | 5,104 |
| Return on assets (ROA) | 0.2944% | 5,105 |
| Pretax return on assets | 0.3700% | 5,074 |
| Return on Equity (ROE) | 3.3124% | 4,950 |
| Retained earnings to average equity (ytd only) | -0.8128% | 4,895 |
| Net charge-offs to loans | -0.0121% | 4,329 |
| Credit loss provision to net charge-offs | -709.0909% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7754% | 409 |
| Assets per employee ($millions) | 3.5486% | 4,611 |
| Cash dividends to net income (ytd only)* | 124.5370% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 5,044 |
| Loan loss allowance to noncurrent loans | 256.2374% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,021 |
| Noncurrent loans to loans | 0.2706% | 3,804 |
| Net loans and leases to total assets | 60.8212% | 3,667 |
| Net loans and leases to deposits | 67.4369% | 3,989 |
| Net loans and leases to core deposits | 68.6609% | 4,178 |
| Total domestic deposits to total assets | 90.1897% | 585 |
| Equity capital to assets | 8.6190% | 4,886 |
| Core capital (leverage) ratio | 9.2562% | 4,373 |
| Tier 1 risk-based capital ratio | 12.9554% | 3,971 |
| Total risk-based capital ratio | 13.5704% | 4,260 |
| Memoranda: | ||
| Average total assets | $586,972,500 | 1,239 |
| Average earning assets | $541,584,500 | 1,244 |
| Average equity | $52,168,000 | 1,477 |
| Average total loans | $364,294,000 | 1,356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,271 |
| Cost of funding earning assets | 0.1369% | 5,328 |
| Net interest margin | 3.5913% | 3,200 |
| Noninterest income to average assets | 1.3953% | 543 |
| Noninterest expense to average assets | 3.9670% | 561 |
| Loan and lease loss provision to assets | -0.0413% | 5,380 |
| Net operating income to assets | 0.4154% | 4,644 |
| Return on assets (ROA) | 0.4140% | 4,672 |
| Pretax return on assets | 0.7701% | 4,334 |
| Return on Equity (ROE) | 4.4979% | 4,349 |
| Retained earnings to average equity (ytd only) | 0.5689% | 4,812 |
| Net charge-offs to loans | 0.0037% | 3,973 |
| Credit loss provision to net charge-offs | -1,815.3846% | 5,146 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 268 |
| Efficiency ratio | 84.4430% | 737 |
| Assets per employee ($millions) | 3.5666% | 4,613 |
| Cash dividends to net income (ytd only)* | 87.3519% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,102 |
| Loan loss allowance to noncurrent loans | 239.8049% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,594 |
| Noncurrent loans to loans | 0.2837% | 3,765 |
| Net loans and leases to total assets | 62.4888% | 3,555 |
| Net loans and leases to deposits | 69.6697% | 3,904 |
| Net loans and leases to core deposits | 71.0190% | 4,109 |
| Total domestic deposits to total assets | 89.6929% | 689 |
| Equity capital to assets | 9.1682% | 4,561 |
| Core capital (leverage) ratio | 9.2674% | 4,329 |
| Tier 1 risk-based capital ratio | 13.1923% | 3,798 |
| Total risk-based capital ratio | 13.7956% | 4,079 |
| Memoranda: | ||
| Average total assets | $570,989,400 | 1,249 |
| Average earning assets | $525,072,600 | 1,246 |
| Average equity | $52,558,400 | 1,464 |
| Average total loans | $352,674,000 | 1,373 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,319 |
| Cost of funding earning assets | 0.1336% | 5,412 |
| Net interest margin | 3.5665% | 3,269 |
| Noninterest income to average assets | 1.3846% | 549 |
| Noninterest expense to average assets | 3.9542% | 550 |
| Loan and lease loss provision to assets | -0.0723% | 5,556 |
| Net operating income to assets | 0.5402% | 4,612 |
| Return on assets (ROA) | 0.5383% | 4,655 |
| Pretax return on assets | 0.7782% | 4,408 |
| Return on Equity (ROE) | 5.8421% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.9644% | 4,984 |
| Net charge-offs to loans | -0.0186% | 4,825 |
| Credit loss provision to net charge-offs | 630.6122% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8002% | 703 |
| Assets per employee ($millions) | 3.7094% | 4,436 |
| Cash dividends to net income (ytd only)* | 83.4924% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 5,147 |
| Loan loss allowance to noncurrent loans | 322.1053% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 2,769 |
| Noncurrent loans to loans | 0.2155% | 4,201 |
| Net loans and leases to total assets | 59.3762% | 3,934 |
| Net loans and leases to deposits | 66.0901% | 4,245 |
| Net loans and leases to core deposits | 67.9051% | 4,367 |
| Total domestic deposits to total assets | 89.8413% | 529 |
| Equity capital to assets | 8.9782% | 4,934 |
| Core capital (leverage) ratio | 9.2162% | 4,501 |
| Tier 1 risk-based capital ratio | 13.3838% | 3,779 |
| Total risk-based capital ratio | 13.9942% | 4,072 |
| Memoranda: | ||
| Average total assets | $570,180,250 | 1,261 |
| Average earning assets | $524,117,500 | 1,260 |
| Average equity | $52,536,500 | 1,477 |
| Average total loans | $350,521,250 | 1,387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,284 |
| Cost of funding earning assets | 0.1280% | 5,460 |
| Net interest margin | 3.5525% | 3,205 |
| Noninterest income to average assets | 1.4385% | 522 |
| Noninterest expense to average assets | 3.9465% | 566 |
| Loan and lease loss provision to assets | -0.0614% | 5,612 |
| Net operating income to assets | 0.5598% | 4,476 |
| Return on assets (ROA) | 0.5603% | 4,521 |
| Pretax return on assets | 0.8133% | 4,224 |
| Return on Equity (ROE) | 6.0270% | 4,035 |
| Retained earnings to average equity (ytd only) | -0.7672% | 5,201 |
| Net charge-offs to loans | -0.0097% | 4,519 |
| Credit loss provision to net charge-offs | 1,017.6471% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0094% | 842 |
| Assets per employee ($millions) | 3.7406% | 4,369 |
| Cash dividends to net income (ytd only)* | 112.7296% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 5,174 |
| Loan loss allowance to noncurrent loans | 248.1518% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 2,581 |
| Noncurrent loans to loans | 0.2885% | 4,008 |
| Net loans and leases to total assets | 60.6206% | 3,776 |
| Net loans and leases to deposits | 67.4358% | 4,118 |
| Net loans and leases to core deposits | 69.1159% | 4,291 |
| Total domestic deposits to total assets | 89.8938% | 570 |
| Equity capital to assets | 8.9690% | 4,933 |
| Core capital (leverage) ratio | 9.2674% | 4,403 |
| Tier 1 risk-based capital ratio | 13.3474% | 3,780 |
| Total risk-based capital ratio | 13.9887% | 4,066 |
| Memoranda: | ||
| Average total assets | $563,643,000 | 1,277 |
| Average earning assets | $517,102,000 | 1,284 |
| Average equity | $52,397,670 | 1,481 |
| Average total loans | $349,813,670 | 1,394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 4,189 |
| Cost of funding earning assets | 0.1222% | 5,545 |
| Net interest margin | 3.5514% | 3,084 |
| Noninterest income to average assets | 1.6384% | 418 |
| Noninterest expense to average assets | 4.1329% | 464 |
| Loan and lease loss provision to assets | -0.0426% | 5,705 |
| Net operating income to assets | 0.5654% | 4,304 |
| Return on assets (ROA) | 0.5664% | 4,344 |
| Pretax return on assets | 0.8048% | 4,094 |
| Return on Equity (ROE) | 5.9815% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.9210% | 2,932 |
| Net charge-offs to loans | -0.0335% | 4,986 |
| Credit loss provision to net charge-offs | 203.4483% | 1,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4553% | 932 |
| Assets per employee ($millions) | 3.5972% | 4,651 |
| Cash dividends to net income (ytd only)* | 17.7296% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 5,128 |
| Loan loss allowance to noncurrent loans | 204.5073% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 2,189 |
| Noncurrent loans to loans | 0.3789% | 3,740 |
| Net loans and leases to total assets | 61.0905% | 3,648 |
| Net loans and leases to deposits | 68.2868% | 3,970 |
| Net loans and leases to core deposits | 69.5474% | 4,180 |
| Total domestic deposits to total assets | 89.4618% | 918 |
| Equity capital to assets | 9.4222% | 4,371 |
| Core capital (leverage) ratio | 9.8229% | 3,727 |
| Tier 1 risk-based capital ratio | 13.9675% | 3,503 |
| Total risk-based capital ratio | 14.6606% | 3,748 |
| Memoranda: | ||
| Average total assets | $553,699,000 | 1,296 |
| Average earning assets | $507,519,000 | 1,298 |
| Average equity | $52,428,000 | 1,473 |
| Average total loans | $346,575,000 | 1,409 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,082 |
| Cost of funding earning assets | 0.1492% | 5,434 |
| Net interest margin | 3.5935% | 3,086 |
| Noninterest income to average assets | 1.5346% | 511 |
| Noninterest expense to average assets | 4.1429% | 507 |
| Loan and lease loss provision to assets | -0.0165% | 5,508 |
| Net operating income to assets | 0.4955% | 4,649 |
| Return on assets (ROA) | 0.5680% | 4,459 |
| Pretax return on assets | 0.8031% | 4,181 |
| Return on Equity (ROE) | 5.7386% | 4,101 |
| Retained earnings to average equity (ytd only) | -0.0701% | 5,317 |
| Net charge-offs to loans | 0.0265% | 3,503 |
| Credit loss provision to net charge-offs | -98.8764% | 4,897 |
| Earnings coverage of net charge-offs (x) | 41.0225% | 1,159 |
| Efficiency ratio | 85.8186% | 835 |
| Assets per employee ($millions) | 3.4792% | 4,790 |
| Cash dividends to net income (ytd only)* | 101.2215% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 5,163 |
| Loan loss allowance to noncurrent loans | 186.6897% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 1,839 |
| Noncurrent loans to loans | 0.4171% | 3,648 |
| Net loans and leases to total assets | 63.1502% | 3,456 |
| Net loans and leases to deposits | 70.6097% | 3,845 |
| Net loans and leases to core deposits | 72.0300% | 4,078 |
| Total domestic deposits to total assets | 89.4356% | 887 |
| Equity capital to assets | 9.5165% | 4,254 |
| Core capital (leverage) ratio | 10.0039% | 3,476 |
| Tier 1 risk-based capital ratio | 13.8932% | 3,523 |
| Total risk-based capital ratio | 14.5988% | 3,773 |
| Memoranda: | ||
| Average total assets | $533,303,200 | 1,295 |
| Average earning assets | $488,687,800 | 1,295 |
| Average equity | $52,783,000 | 1,457 |
| Average total loans | $336,211,800 | 1,386 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,154 |
| Cost of funding earning assets | 0.1555% | 5,450 |
| Net interest margin | 3.5729% | 3,189 |
| Noninterest income to average assets | 1.5809% | 494 |
| Noninterest expense to average assets | 4.1251% | 518 |
| Loan and lease loss provision to assets | 0.0176% | 3,894 |
| Net operating income to assets | 0.4996% | 4,700 |
| Return on assets (ROA) | 0.5954% | 4,422 |
| Pretax return on assets | 0.8509% | 4,152 |
| Return on Equity (ROE) | 5.9564% | 4,089 |
| Retained earnings to average equity (ytd only) | -1.4017% | 5,542 |
| Net charge-offs to loans | 0.0424% | 2,794 |
| Credit loss provision to net charge-offs | 66.0377% | 2,845 |
| Earnings coverage of net charge-offs (x) | 27.4434% | 1,566 |
| Efficiency ratio | 84.9345% | 909 |
| Assets per employee ($millions) | 3.6209% | 4,610 |
| Cash dividends to net income (ytd only)* | 123.5320% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 5,128 |
| Loan loss allowance to noncurrent loans | 240.6250% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 2,021 |
| Noncurrent loans to loans | 0.3411% | 4,034 |
| Net loans and leases to total assets | 62.5449% | 3,577 |
| Net loans and leases to deposits | 70.0449% | 3,983 |
| Net loans and leases to core deposits | 71.3166% | 4,223 |
| Total domestic deposits to total assets | 89.2926% | 758 |
| Equity capital to assets | 9.6258% | 4,537 |
| Core capital (leverage) ratio | 9.8054% | 3,805 |
| Tier 1 risk-based capital ratio | 13.7984% | 3,670 |
| Total risk-based capital ratio | 14.5432% | 3,894 |
| Memoranda: | ||
| Average total assets | $530,071,250 | 1,308 |
| Average earning assets | $486,014,750 | 1,308 |
| Average equity | $52,983,250 | 1,457 |
| Average total loans | $333,351,500 | 1,400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,140 |
| Cost of funding earning assets | 0.1669% | 5,439 |
| Net interest margin | 3.5785% | 3,179 |
| Noninterest income to average assets | 1.5566% | 502 |
| Noninterest expense to average assets | 4.1941% | 495 |
| Loan and lease loss provision to assets | -0.0650% | 5,841 |
| Net operating income to assets | 0.4925% | 4,708 |
| Return on assets (ROA) | 0.6375% | 4,253 |
| Pretax return on assets | 0.9127% | 3,908 |
| Return on Equity (ROE) | 6.2961% | 3,906 |
| Retained earnings to average equity (ytd only) | -4.2050% | 5,709 |
| Net charge-offs to loans | 0.0055% | 3,509 |
| Credit loss provision to net charge-offs | -1,888.8889% | 5,205 |
| Earnings coverage of net charge-offs (x) | 186.2222% | 353 |
| Efficiency ratio | 86.7510% | 815 |
| Assets per employee ($millions) | 3.4898% | 4,765 |
| Cash dividends to net income (ytd only)* | 166.7866% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 5,244 |
| Loan loss allowance to noncurrent loans | 260.6936% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 2,072 |
| Noncurrent loans to loans | 0.3121% | 4,245 |
| Net loans and leases to total assets | 63.0134% | 3,498 |
| Net loans and leases to deposits | 70.9814% | 3,889 |
| Net loans and leases to core deposits | 72.3756% | 4,138 |
| Total domestic deposits to total assets | 88.7746% | 1,026 |
| Equity capital to assets | 10.0481% | 4,163 |
| Core capital (leverage) ratio | 9.9645% | 3,605 |
| Tier 1 risk-based capital ratio | 14.0345% | 3,588 |
| Total risk-based capital ratio | 14.7617% | 3,804 |
| Memoranda: | ||
| Average total assets | $523,303,670 | 1,326 |
| Average earning assets | $479,368,330 | 1,329 |
| Average equity | $52,985,000 | 1,461 |
| Average total loans | $328,775,330 | 1,419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,117 |
| Cost of funding earning assets | 0.1803% | 5,372 |
| Net interest margin | 3.5760% | 3,183 |
| Noninterest income to average assets | 1.4602% | 528 |
| Noninterest expense to average assets | 4.1344% | 528 |
| Loan and lease loss provision to assets | -0.0443% | 5,940 |
| Net operating income to assets | 0.4674% | 4,750 |
| Return on assets (ROA) | 0.5803% | 4,383 |
| Pretax return on assets | 0.8012% | 4,190 |
| Return on Equity (ROE) | 5.7091% | 4,131 |
| Retained earnings to average equity (ytd only) | -2.8734% | 5,461 |
| Net charge-offs to loans | 0.0208% | 2,520 |
| Credit loss provision to net charge-offs | -341.1765% | 4,457 |
| Earnings coverage of net charge-offs (x) | 46.1765% | 927 |
| Efficiency ratio | 87.3244% | 864 |
| Assets per employee ($millions) | 3.3968% | 4,979 |
| Cash dividends to net income (ytd only)* | 150.3294% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 5,194 |
| Loan loss allowance to noncurrent loans | 242.2414% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 1,860 |
| Noncurrent loans to loans | 0.3540% | 4,160 |
| Net loans and leases to total assets | 62.9271% | 3,397 |
| Net loans and leases to deposits | 71.0843% | 3,741 |
| Net loans and leases to core deposits | 72.6449% | 4,013 |
| Total domestic deposits to total assets | 88.5247% | 1,344 |
| Equity capital to assets | 10.3101% | 3,730 |
| Core capital (leverage) ratio | 10.2251% | 3,286 |
| Tier 1 risk-based capital ratio | 14.6736% | 3,300 |
| Total risk-based capital ratio | 15.4522% | 3,495 |
| Memoranda: | ||
| Average total assets | $523,218,500 | 1,329 |
| Average earning assets | $479,081,500 | 1,325 |
| Average equity | $53,178,000 | 1,446 |
| Average total loans | $326,880,500 | 1,416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,033 |
| Cost of funding earning assets | 0.2369% | 4,924 |
| Net interest margin | 3.5660% | 3,255 |
| Noninterest income to average assets | 1.2020% | 828 |
| Noninterest expense to average assets | 3.9541% | 715 |
| Loan and lease loss provision to assets | -0.1192% | 5,881 |
| Net operating income to assets | 0.4474% | 4,893 |
| Return on assets (ROA) | 0.5206% | 4,694 |
| Pretax return on assets | 0.7326% | 4,422 |
| Return on Equity (ROE) | 5.1462% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.0721% | 3,107 |
| Net charge-offs to loans | 0.0736% | 2,779 |
| Credit loss provision to net charge-offs | -264.9573% | 5,328 |
| Earnings coverage of net charge-offs (x) | 11.3376% | 2,594 |
| Efficiency ratio | 88.5706% | 795 |
| Assets per employee ($millions) | 3.4877% | 4,854 |
| Cash dividends to net income (ytd only)* | 20.8718% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 5,137 |
| Loan loss allowance to noncurrent loans | 368.3269% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 2,017 |
| Noncurrent loans to loans | 0.2401% | 4,571 |
| Net loans and leases to total assets | 60.9605% | 3,698 |
| Net loans and leases to deposits | 68.4987% | 4,082 |
| Net loans and leases to core deposits | 70.2015% | 4,290 |
| Total domestic deposits to total assets | 88.9952% | 1,117 |
| Equity capital to assets | 10.0209% | 3,930 |
| Core capital (leverage) ratio | 10.0844% | 3,395 |
| Tier 1 risk-based capital ratio | 14.9463% | 3,202 |
| Total risk-based capital ratio | 15.7545% | 3,356 |
| Memoranda: | ||
| Average total assets | $519,947,600 | 1,295 |
| Average earning assets | $475,657,400 | 1,299 |
| Average equity | $52,602,400 | 1,418 |
| Average total loans | $317,761,200 | 1,394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,027 |
| Cost of funding earning assets | 0.2480% | 4,904 |
| Net interest margin | 3.5715% | 3,268 |
| Noninterest income to average assets | 1.2333% | 793 |
| Noninterest expense to average assets | 3.9033% | 742 |
| Loan and lease loss provision to assets | -0.1600% | 6,067 |
| Net operating income to assets | 0.5293% | 4,682 |
| Return on assets (ROA) | 0.6200% | 4,393 |
| Pretax return on assets | 0.8859% | 4,030 |
| Return on Equity (ROE) | 6.1136% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.0413% | 2,885 |
| Net charge-offs to loans | 0.0663% | 2,628 |
| Credit loss provision to net charge-offs | -395.5414% | 5,319 |
| Earnings coverage of net charge-offs (x) | 14.7387% | 2,230 |
| Efficiency ratio | 86.7476% | 955 |
| Assets per employee ($millions) | 3.4778% | 4,832 |
| Cash dividends to net income (ytd only)* | 17.5394% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 5,139 |
| Loan loss allowance to noncurrent loans | 262.0354% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 1,733 |
| Noncurrent loans to loans | 0.3496% | 4,361 |
| Net loans and leases to total assets | 60.9878% | 3,740 |
| Net loans and leases to deposits | 68.6936% | 4,123 |
| Net loans and leases to core deposits | 70.3858% | 4,337 |
| Total domestic deposits to total assets | 88.7823% | 1,134 |
| Equity capital to assets | 10.1833% | 3,958 |
| Core capital (leverage) ratio | 10.2502% | 3,309 |
| Tier 1 risk-based capital ratio | 14.7428% | 3,415 |
| Total risk-based capital ratio | 15.5636% | 3,592 |
| Memoranda: | ||
| Average total assets | $517,402,000 | 1,306 |
| Average earning assets | $473,180,500 | 1,311 |
| Average equity | $52,472,000 | 1,427 |
| Average total loans | $315,688,000 | 1,409 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 3,946 |
| Cost of funding earning assets | 0.2531% | 4,905 |
| Net interest margin | 3.5792% | 3,169 |
| Noninterest income to average assets | 1.1348% | 940 |
| Noninterest expense to average assets | 3.7792% | 893 |
| Loan and lease loss provision to assets | -0.1154% | 6,101 |
| Net operating income to assets | 0.5182% | 4,691 |
| Return on assets (ROA) | 0.6530% | 4,217 |
| Pretax return on assets | 0.9401% | 3,807 |
| Return on Equity (ROE) | 6.4484% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.3743% | 2,620 |
| Net charge-offs to loans | 0.0734% | 2,343 |
| Credit loss provision to net charge-offs | -258.2609% | 5,082 |
| Earnings coverage of net charge-offs (x) | 14.0870% | 2,086 |
| Efficiency ratio | 85.7244% | 1,080 |
| Assets per employee ($millions) | 3.3813% | 5,017 |
| Cash dividends to net income (ytd only)* | 16.6568% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 4,617 |
| Loan loss allowance to noncurrent loans | 236.4606% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4579% | 1,702 |
| Noncurrent loans to loans | 0.4432% | 4,150 |
| Net loans and leases to total assets | 61.1249% | 3,676 |
| Net loans and leases to deposits | 68.8394% | 4,050 |
| Net loans and leases to core deposits | 70.5931% | 4,269 |
| Total domestic deposits to total assets | 88.7935% | 1,249 |
| Equity capital to assets | 10.2203% | 3,786 |
| Core capital (leverage) ratio | 10.2194% | 3,311 |
| Tier 1 risk-based capital ratio | 14.7632% | 3,497 |
| Total risk-based capital ratio | 15.6971% | 3,590 |
| Memoranda: | ||
| Average total assets | $514,821,670 | 1,327 |
| Average earning assets | $470,887,670 | 1,326 |
| Average equity | $52,137,000 | 1,446 |
| Average total loans | $313,172,670 | 1,422 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,932 |
| Cost of funding earning assets | 0.2562% | 4,946 |
| Net interest margin | 3.5632% | 3,156 |
| Noninterest income to average assets | 1.1070% | 924 |
| Noninterest expense to average assets | 3.6984% | 1,014 |
| Loan and lease loss provision to assets | -0.0481% | 6,154 |
| Net operating income to assets | 0.5034% | 4,667 |
| Return on assets (ROA) | 0.6257% | 4,269 |
| Pretax return on assets | 0.8928% | 3,917 |
| Return on Equity (ROE) | 6.2070% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.1365% | 2,976 |
| Net charge-offs to loans | -0.0669% | 5,673 |
| Credit loss provision to net charge-offs | 119.2308% | 1,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6632% | 1,301 |
| Assets per employee ($millions) | 3.5159% | 4,872 |
| Cash dividends to net income (ytd only)* | 17.2457% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,944 |
| Loan loss allowance to noncurrent loans | 135.5507% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 1,660 |
| Noncurrent loans to loans | 0.8902% | 3,015 |
| Net loans and leases to total assets | 59.4756% | 3,735 |
| Net loans and leases to deposits | 66.9408% | 4,055 |
| Net loans and leases to core deposits | 68.8840% | 4,247 |
| Total domestic deposits to total assets | 88.8481% | 1,366 |
| Equity capital to assets | 10.2046% | 3,877 |
| Core capital (leverage) ratio | 10.0053% | 3,590 |
| Tier 1 risk-based capital ratio | 14.8479% | 3,512 |
| Total risk-based capital ratio | 15.9155% | 3,545 |
| Memoranda: | ||
| Average total assets | $515,253,000 | 1,330 |
| Average earning assets | $471,596,500 | 1,335 |
| Average equity | $51,941,500 | 1,457 |
| Average total loans | $311,017,000 | 1,435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,734 |
| Cost of funding earning assets | 0.2955% | 4,838 |
| Net interest margin | 3.7032% | 2,996 |
| Noninterest income to average assets | 0.9610% | 1,316 |
| Noninterest expense to average assets | 3.7893% | 1,002 |
| Loan and lease loss provision to assets | -0.1057% | 6,158 |
| Net operating income to assets | 0.4623% | 4,955 |
| Return on assets (ROA) | 0.4620% | 5,053 |
| Pretax return on assets | 0.6461% | 4,794 |
| Return on Equity (ROE) | 4.6630% | 4,815 |
| Retained earnings to average equity (ytd only) | 1.9872% | 4,798 |
| Net charge-offs to loans | 0.3126% | 1,409 |
| Credit loss provision to net charge-offs | -56.1983% | 5,433 |
| Earnings coverage of net charge-offs (x) | 2.8740% | 4,040 |
| Efficiency ratio | 87.5118% | 1,035 |
| Assets per employee ($millions) | 3.6177% | 4,688 |
| Cash dividends to net income (ytd only)* | 57.3833% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 4,310 |
| Loan loss allowance to noncurrent loans | 159.5280% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 1,730 |
| Noncurrent loans to loans | 0.7176% | 3,529 |
| Net loans and leases to total assets | 59.8100% | 3,815 |
| Net loans and leases to deposits | 67.1417% | 4,205 |
| Net loans and leases to core deposits | 69.0967% | 4,401 |
| Total domestic deposits to total assets | 89.0803% | 1,190 |
| Equity capital to assets | 9.9738% | 4,145 |
| Core capital (leverage) ratio | 9.9039% | 3,704 |
| Tier 1 risk-based capital ratio | 14.9970% | 3,489 |
| Total risk-based capital ratio | 16.0446% | 3,536 |
| Memoranda: | ||
| Average total assets | $514,475,200 | 1,306 |
| Average earning assets | $468,055,800 | 1,311 |
| Average equity | $50,975,400 | 1,424 |
| Average total loans | $309,687,800 | 1,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,680 |
| Cost of funding earning assets | 0.3051% | 4,838 |
| Net interest margin | 3.7161% | 2,956 |
| Noninterest income to average assets | 1.0420% | 1,127 |
| Noninterest expense to average assets | 3.8860% | 863 |
| Loan and lease loss provision to assets | -0.1962% | 6,381 |
| Net operating income to assets | 0.5079% | 4,849 |
| Return on assets (ROA) | 0.5125% | 4,892 |
| Pretax return on assets | 0.7378% | 4,565 |
| Return on Equity (ROE) | 5.1816% | 4,636 |
| Retained earnings to average equity (ytd only) | 2.7626% | 4,628 |
| Net charge-offs to loans | 0.3769% | 1,058 |
| Credit loss provision to net charge-offs | -86.5979% | 5,430 |
| Earnings coverage of net charge-offs (x) | 2.3608% | 3,936 |
| Efficiency ratio | 87.9014% | 1,014 |
| Assets per employee ($millions) | 3.6299% | 4,614 |
| Cash dividends to net income (ytd only)* | 46.6834% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 4,693 |
| Loan loss allowance to noncurrent loans | 128.9914% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 1,828 |
| Noncurrent loans to loans | 0.8629% | 3,412 |
| Net loans and leases to total assets | 59.7376% | 3,829 |
| Net loans and leases to deposits | 67.0850% | 4,228 |
| Net loans and leases to core deposits | 69.0911% | 4,406 |
| Total domestic deposits to total assets | 89.0477% | 1,210 |
| Equity capital to assets | 9.9479% | 4,230 |
| Core capital (leverage) ratio | 10.0112% | 3,666 |
| Tier 1 risk-based capital ratio | 15.0892% | 3,539 |
| Total risk-based capital ratio | 16.1081% | 3,611 |
| Memoranda: | ||
| Average total assets | $513,760,750 | 1,320 |
| Average earning assets | $467,139,250 | 1,323 |
| Average equity | $50,819,750 | 1,435 |
| Average total loans | $308,859,750 | 1,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,645 |
| Cost of funding earning assets | 0.3164% | 4,808 |
| Net interest margin | 3.7057% | 2,941 |
| Noninterest income to average assets | 0.9996% | 1,201 |
| Noninterest expense to average assets | 3.7553% | 1,033 |
| Loan and lease loss provision to assets | -0.1890% | 6,466 |
| Net operating income to assets | 0.5524% | 4,591 |
| Return on assets (ROA) | 0.5581% | 4,659 |
| Pretax return on assets | 0.8055% | 4,241 |
| Return on Equity (ROE) | 5.6525% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.5473% | 3,279 |
| Net charge-offs to loans | 0.5909% | 682 |
| Credit loss provision to net charge-offs | -53.2967% | 5,178 |
| Earnings coverage of net charge-offs (x) | 1.7154% | 3,731 |
| Efficiency ratio | 86.0588% | 1,267 |
| Assets per employee ($millions) | 3.4920% | 4,866 |
| Cash dividends to net income (ytd only)* | 19.5531% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 4,461 |
| Loan loss allowance to noncurrent loans | 139.7281% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.9130% | 1,690 |
| Noncurrent loans to loans | 0.8529% | 3,572 |
| Net loans and leases to total assets | 60.1714% | 3,684 |
| Net loans and leases to deposits | 67.6652% | 4,084 |
| Net loans and leases to core deposits | 70.0098% | 4,267 |
| Total domestic deposits to total assets | 88.9252% | 1,396 |
| Equity capital to assets | 10.1375% | 3,920 |
| Core capital (leverage) ratio | 10.0979% | 3,474 |
| Tier 1 risk-based capital ratio | 15.1638% | 3,548 |
| Total risk-based capital ratio | 16.2546% | 3,586 |
| Memoranda: | ||
| Average total assets | $513,199,670 | 1,315 |
| Average earning assets | $465,877,330 | 1,318 |
| Average equity | $50,667,670 | 1,432 |
| Average total loans | $308,019,670 | 1,404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,786 |
| Cost of funding earning assets | 0.3363% | 4,682 |
| Net interest margin | 3.6397% | 3,101 |
| Noninterest income to average assets | 0.8957% | 1,401 |
| Noninterest expense to average assets | 3.7399% | 1,073 |
| Loan and lease loss provision to assets | -0.3294% | 6,627 |
| Net operating income to assets | 0.5290% | 4,562 |
| Return on assets (ROA) | 0.5399% | 4,576 |
| Pretax return on assets | 0.8056% | 4,090 |
| Return on Equity (ROE) | 5.5423% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.4339% | 3,463 |
| Net charge-offs to loans | 0.6167% | 600 |
| Credit loss provision to net charge-offs | -89.6406% | 4,825 |
| Earnings coverage of net charge-offs (x) | 1.2516% | 3,137 |
| Efficiency ratio | 89.0492% | 1,125 |
| Assets per employee ($millions) | 3.4741% | 4,974 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 3,714 |
| Loan loss allowance to noncurrent loans | 116.2559% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 1,557 |
| Noncurrent loans to loans | 1.1836% | 3,071 |
| Net loans and leases to total assets | 58.5216% | 3,758 |
| Net loans and leases to deposits | 65.7657% | 4,123 |
| Net loans and leases to core deposits | 68.1975% | 4,287 |
| Total domestic deposits to total assets | 88.9850% | 1,671 |
| Equity capital to assets | 9.8413% | 4,046 |
| Core capital (leverage) ratio | 9.9376% | 3,651 |
| Tier 1 risk-based capital ratio | 15.2088% | 3,610 |
| Total risk-based capital ratio | 16.4581% | 3,563 |
| Memoranda: | ||
| Average total assets | $514,883,500 | 1,313 |
| Average earning assets | $467,397,000 | 1,322 |
| Average equity | $50,159,500 | 1,442 |
| Average total loans | $306,793,000 | 1,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,768 |
| Cost of funding earning assets | 0.4313% | 4,307 |
| Net interest margin | 3.6612% | 3,215 |
| Noninterest income to average assets | 1.0192% | 1,351 |
| Noninterest expense to average assets | 3.7961% | 1,144 |
| Loan and lease loss provision to assets | 0.0056% | 5,013 |
| Net operating income to assets | 0.3875% | 5,185 |
| Return on assets (ROA) | 0.3167% | 5,562 |
| Pretax return on assets | 0.4378% | 5,389 |
| Return on Equity (ROE) | 3.3410% | 5,387 |
| Retained earnings to average equity (ytd only) | -2.8609% | 6,256 |
| Net charge-offs to loans | 0.5399% | 1,224 |
| Credit loss provision to net charge-offs | 1.7361% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.6672% | 4,497 |
| Efficiency ratio | 87.5114% | 1,269 |
| Assets per employee ($millions) | 3.4838% | 4,928 |
| Cash dividends to net income (ytd only)* | 185.6295% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 2,558 |
| Loan loss allowance to noncurrent loans | 108.0348% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 1,526 |
| Noncurrent loans to loans | 1.5291% | 2,598 |
| Net loans and leases to total assets | 58.8428% | 3,898 |
| Net loans and leases to deposits | 65.9455% | 4,302 |
| Net loans and leases to core deposits | 68.3740% | 4,466 |
| Total domestic deposits to total assets | 89.2294% | 1,468 |
| Equity capital to assets | 9.6428% | 4,228 |
| Core capital (leverage) ratio | 9.5466% | 4,193 |
| Tier 1 risk-based capital ratio | 14.9226% | 3,718 |
| Total risk-based capital ratio | 16.1759% | 3,660 |
| Memoranda: | ||
| Average total assets | $531,807,400 | 1,251 |
| Average earning assets | $482,050,800 | 1,266 |
| Average equity | $50,403,600 | 1,407 |
| Average total loans | $320,052,600 | 1,328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,926 |
| Cost of funding earning assets | 0.4504% | 4,270 |
| Net interest margin | 3.6025% | 3,433 |
| Noninterest income to average assets | 1.0092% | 1,424 |
| Noninterest expense to average assets | 3.7857% | 1,100 |
| Loan and lease loss provision to assets | -0.1356% | 6,663 |
| Net operating income to assets | 0.4275% | 5,124 |
| Return on assets (ROA) | 0.4300% | 5,259 |
| Pretax return on assets | 0.6268% | 4,927 |
| Return on Equity (ROE) | 4.5555% | 4,955 |
| Retained earnings to average equity (ytd only) | 0.0975% | 5,907 |
| Net charge-offs to loans | 0.4087% | 1,572 |
| Credit loss provision to net charge-offs | -55.0505% | 5,723 |
| Earnings coverage of net charge-offs (x) | 1.9798% | 4,167 |
| Efficiency ratio | 88.5881% | 1,119 |
| Assets per employee ($millions) | 3.4596% | 4,929 |
| Cash dividends to net income (ytd only)* | 97.8589% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 2,686 |
| Loan loss allowance to noncurrent loans | 84.7952% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.9219% | 1,271 |
| Noncurrent loans to loans | 1.9833% | 2,269 |
| Net loans and leases to total assets | 58.0835% | 3,998 |
| Net loans and leases to deposits | 65.3894% | 4,370 |
| Net loans and leases to core deposits | 67.7847% | 4,545 |
| Total domestic deposits to total assets | 88.8272% | 1,652 |
| Equity capital to assets | 9.4908% | 4,568 |
| Core capital (leverage) ratio | 9.5955% | 4,254 |
| Tier 1 risk-based capital ratio | 14.8295% | 3,857 |
| Total risk-based capital ratio | 16.0829% | 3,814 |
| Memoranda: | ||
| Average total assets | $535,860,250 | 1,256 |
| Average earning assets | $485,534,000 | 1,273 |
| Average equity | $50,575,000 | 1,412 |
| Average total loans | $322,944,000 | 1,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 3,658 |
| Cost of funding earning assets | 0.5111% | 3,797 |
| Net interest margin | 3.6094% | 3,320 |
| Noninterest income to average assets | 1.5284% | 670 |
| Noninterest expense to average assets | 4.2040% | 689 |
| Loan and lease loss provision to assets | -0.1554% | 6,756 |
| Net operating income to assets | 0.4757% | 4,898 |
| Return on assets (ROA) | 0.4812% | 5,059 |
| Pretax return on assets | 0.7226% | 4,600 |
| Return on Equity (ROE) | 5.1316% | 4,651 |
| Retained earnings to average equity (ytd only) | -4.7435% | 6,442 |
| Net charge-offs to loans | 0.4082% | 1,585 |
| Credit loss provision to net charge-offs | -60.4494% | 5,555 |
| Earnings coverage of net charge-offs (x) | 2.1753% | 3,802 |
| Efficiency ratio | 88.2610% | 1,197 |
| Assets per employee ($millions) | 5.8049% | 1,348 |
| Cash dividends to net income (ytd only)* | 192.4370% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 2,436 |
| Loan loss allowance to noncurrent loans | 63.3252% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.6150% | 1,043 |
| Noncurrent loans to loans | 2.8405% | 1,591 |
| Net loans and leases to total assets | 62.9959% | 3,102 |
| Net loans and leases to deposits | 71.3943% | 3,531 |
| Net loans and leases to core deposits | 73.3376% | 3,892 |
| Total domestic deposits to total assets | 88.2367% | 2,086 |
| Equity capital to assets | 9.5387% | 4,535 |
| Core capital (leverage) ratio | 9.3531% | 4,465 |
| Tier 1 risk-based capital ratio | 13.3812% | 4,854 |
| Total risk-based capital ratio | 14.6374% | 4,804 |
| Memoranda: | ||
| Average total assets | $346,243,000 | 1,884 |
| Average earning assets | $310,300,670 | 1,930 |
| Average equity | $32,465,330 | 2,130 |
| Average total loans | $218,008,000 | 1,874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 4,052 |
| Cost of funding earning assets | 0.5406% | 3,667 |
| Net interest margin | 3.4755% | 3,809 |
| Noninterest income to average assets | 1.5566% | 636 |
| Noninterest expense to average assets | 4.0271% | 858 |
| Loan and lease loss provision to assets | -0.1766% | 6,888 |
| Net operating income to assets | 0.5524% | 4,444 |
| Return on assets (ROA) | 0.5629% | 4,551 |
| Pretax return on assets | 0.8501% | 3,952 |
| Return on Equity (ROE) | 6.0538% | 4,020 |
| Retained earnings to average equity (ytd only) | -12.8184% | 6,698 |
| Net charge-offs to loans | 0.8072% | 753 |
| Credit loss provision to net charge-offs | -35.0679% | 5,019 |
| Earnings coverage of net charge-offs (x) | 1.3054% | 3,397 |
| Efficiency ratio | 85.9645% | 1,523 |
| Assets per employee ($millions) | 6.0835% | 1,198 |
| Cash dividends to net income (ytd only)* | 311.7409% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 2,433 |
| Loan loss allowance to noncurrent loans | 61.2301% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.7538% | 1,102 |
| Noncurrent loans to loans | 3.0330% | 1,653 |
| Net loans and leases to total assets | 59.9402% | 3,436 |
| Net loans and leases to deposits | 69.8851% | 3,499 |
| Net loans and leases to core deposits | 71.9034% | 3,829 |
| Total domestic deposits to total assets | 85.7697% | 3,654 |
| Equity capital to assets | 9.2947% | 5,140 |
| Core capital (leverage) ratio | 8.9891% | 4,903 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,934 |
| Total risk-based capital ratio | 14.6610% | 4,884 |
| Memoranda: | ||
| Average total assets | $351,023,500 | 1,887 |
| Average earning assets | $315,925,000 | 1,919 |
| Average equity | $32,640,500 | 2,143 |
| Average total loans | $219,021,500 | 1,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,488 |
| Cost of funding earning assets | 0.6762% | 3,678 |
| Net interest margin | 4.0508% | 2,196 |
| Noninterest income to average assets | 1.3331% | 870 |
| Noninterest expense to average assets | 4.2331% | 735 |
| Loan and lease loss provision to assets | 0.4057% | 1,597 |
| Net operating income to assets | 0.2206% | 5,733 |
| Return on assets (ROA) | 0.3725% | 5,443 |
| Pretax return on assets | 0.5258% | 5,205 |
| Return on Equity (ROE) | 3.8917% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.4317% | 3,809 |
| Net charge-offs to loans | 0.4848% | 2,297 |
| Credit loss provision to net charge-offs | 123.5031% | 2,304 |
| Earnings coverage of net charge-offs (x) | 2.1841% | 4,328 |
| Efficiency ratio | 85.5076% | 1,475 |
| Assets per employee ($millions) | 5.7246% | 1,497 |
| Cash dividends to net income (ytd only)* | 11.8203% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 1,842 |
| Loan loss allowance to noncurrent loans | 72.3639% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.0996% | 1,519 |
| Noncurrent loans to loans | 2.8552% | 1,837 |
| Net loans and leases to total assets | 62.4129% | 3,189 |
| Net loans and leases to deposits | 73.1167% | 3,239 |
| Net loans and leases to core deposits | 75.6453% | 3,585 |
| Total domestic deposits to total assets | 85.3606% | 3,686 |
| Equity capital to assets | 9.3026% | 5,151 |
| Core capital (leverage) ratio | 9.2791% | 4,454 |
| Tier 1 risk-based capital ratio | 13.8107% | 4,527 |
| Total risk-based capital ratio | 15.0703% | 4,471 |
| Memoranda: | ||
| Average total assets | $340,647,000 | 1,901 |
| Average earning assets | $304,208,800 | 1,947 |
| Average equity | $32,608,200 | 2,115 |
| Average total loans | $230,810,600 | 1,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 2,408 |
| Cost of funding earning assets | 0.6973% | 3,790 |
| Net interest margin | 4.0982% | 2,097 |
| Noninterest income to average assets | 1.7910% | 498 |
| Noninterest expense to average assets | 4.2452% | 691 |
| Loan and lease loss provision to assets | 0.2403% | 2,649 |
| Net operating income to assets | 0.6718% | 4,034 |
| Return on assets (ROA) | 0.6716% | 4,306 |
| Pretax return on assets | 0.9559% | 3,892 |
| Return on Equity (ROE) | 6.9649% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.5033% | 2,378 |
| Net charge-offs to loans | 0.2296% | 3,344 |
| Credit loss provision to net charge-offs | 152.1197% | 1,850 |
| Earnings coverage of net charge-offs (x) | 7.5761% | 2,586 |
| Efficiency ratio | 78.0110% | 2,400 |
| Assets per employee ($millions) | 5.8224% | 1,357 |
| Cash dividends to net income (ytd only)* | 6.6274% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 2,133 |
| Loan loss allowance to noncurrent loans | 73.4324% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 3.3427% | 1,518 |
| Noncurrent loans to loans | 2.7406% | 2,067 |
| Net loans and leases to total assets | 64.4044% | 2,952 |
| Net loans and leases to deposits | 75.1540% | 3,122 |
| Net loans and leases to core deposits | 78.1616% | 3,435 |
| Total domestic deposits to total assets | 85.6966% | 3,417 |
| Equity capital to assets | 9.7578% | 4,837 |
| Core capital (leverage) ratio | 9.4372% | 4,368 |
| Tier 1 risk-based capital ratio | 13.4760% | 4,889 |
| Total risk-based capital ratio | 14.7342% | 4,845 |
| Memoranda: | ||
| Average total assets | $338,508,250 | 1,926 |
| Average earning assets | $301,556,500 | 1,976 |
| Average equity | $32,639,000 | 2,133 |
| Average total loans | $232,877,000 | 1,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 2,221 |
| Cost of funding earning assets | 0.7201% | 3,849 |
| Net interest margin | 4.1522% | 1,893 |
| Noninterest income to average assets | 1.7290% | 508 |
| Noninterest expense to average assets | 4.1391% | 790 |
| Loan and lease loss provision to assets | 0.2215% | 2,865 |
| Net operating income to assets | 0.7367% | 3,667 |
| Return on assets (ROA) | 0.7363% | 3,942 |
| Pretax return on assets | 1.0515% | 3,509 |
| Return on Equity (ROE) | 7.6673% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.2035% | 1,999 |
| Net charge-offs to loans | 0.0808% | 4,338 |
| Credit loss provision to net charge-offs | 392.6316% | 750 |
| Earnings coverage of net charge-offs (x) | 22.5789% | 1,293 |
| Efficiency ratio | 76.4699% | 2,674 |
| Assets per employee ($millions) | 5.6012% | 1,525 |
| Cash dividends to net income (ytd only)* | 6.0484% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 2,137 |
| Loan loss allowance to noncurrent loans | 93.5320% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 3.0734% | 1,783 |
| Noncurrent loans to loans | 2.1770% | 2,737 |
| Net loans and leases to total assets | 66.0375% | 2,662 |
| Net loans and leases to deposits | 77.1175% | 2,819 |
| Net loans and leases to core deposits | 80.4906% | 3,148 |
| Total domestic deposits to total assets | 85.6323% | 3,549 |
| Equity capital to assets | 9.7925% | 4,641 |
| Core capital (leverage) ratio | 9.4386% | 4,232 |
| Tier 1 risk-based capital ratio | 13.2061% | 5,031 |
| Total risk-based capital ratio | 14.4571% | 5,008 |
| Memoranda: | ||
| Average total assets | $336,837,670 | 1,933 |
| Average earning assets | $298,829,000 | 1,990 |
| Average equity | $32,345,330 | 2,131 |
| Average total loans | $235,240,670 | 1,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,805 |
| Cost of funding earning assets | 0.7529% | 3,838 |
| Net interest margin | 4.2716% | 1,557 |
| Noninterest income to average assets | 1.9062% | 443 |
| Noninterest expense to average assets | 4.2073% | 733 |
| Loan and lease loss provision to assets | 0.1020% | 4,062 |
| Net operating income to assets | 1.0082% | 2,451 |
| Return on assets (ROA) | 1.0082% | 2,639 |
| Pretax return on assets | 1.3653% | 2,310 |
| Return on Equity (ROE) | 10.6041% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.1301% | 1,231 |
| Net charge-offs to loans | 0.0968% | 3,559 |
| Credit loss provision to net charge-offs | 148.2759% | 1,687 |
| Earnings coverage of net charge-offs (x) | 21.3276% | 1,156 |
| Efficiency ratio | 74.1430% | 3,081 |
| Assets per employee ($millions) | 5.3530% | 1,831 |
| Cash dividends to net income (ytd only)* | 4.4706% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,798 |
| Loan loss allowance to noncurrent loans | 85.3482% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 3.3042% | 1,745 |
| Noncurrent loans to loans | 2.1827% | 2,933 |
| Net loans and leases to total assets | 69.2539% | 1,899 |
| Net loans and leases to deposits | 81.2389% | 2,031 |
| Net loans and leases to core deposits | 84.9671% | 2,411 |
| Total domestic deposits to total assets | 85.2472% | 3,912 |
| Equity capital to assets | 9.7507% | 4,455 |
| Core capital (leverage) ratio | 9.1930% | 4,532 |
| Tier 1 risk-based capital ratio | 12.7319% | 5,416 |
| Total risk-based capital ratio | 13.9885% | 5,380 |
| Memoranda: | ||
| Average total assets | $337,219,500 | 1,938 |
| Average earning assets | $297,503,000 | 1,995 |
| Average equity | $32,063,000 | 2,147 |
| Average total loans | $239,587,000 | 1,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 2,349 |
| Cost of funding earning assets | 0.8894% | 4,191 |
| Net interest margin | 4.2369% | 1,938 |
| Noninterest income to average assets | 1.2954% | 766 |
| Noninterest expense to average assets | 4.2860% | 731 |
| Loan and lease loss provision to assets | 0.5356% | 1,958 |
| Net operating income to assets | 0.2176% | 5,536 |
| Return on assets (ROA) | 0.3272% | 5,308 |
| Pretax return on assets | 0.4176% | 5,234 |
| Return on Equity (ROE) | 3.6524% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.1623% | 3,972 |
| Net charge-offs to loans | 1.5520% | 1,023 |
| Credit loss provision to net charge-offs | 46.9231% | 5,493 |
| Earnings coverage of net charge-offs (x) | 0.7121% | 5,277 |
| Efficiency ratio | 84.0595% | 1,759 |
| Assets per employee ($millions) | 5.3524% | 1,771 |
| Cash dividends to net income (ytd only)* | 13.4168% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,967 |
| Loan loss allowance to noncurrent loans | 92.1752% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 1,741 |
| Noncurrent loans to loans | 1.9198% | 3,316 |
| Net loans and leases to total assets | 70.2466% | 1,988 |
| Net loans and leases to deposits | 84.4472% | 1,865 |
| Net loans and leases to core deposits | 88.5798% | 2,309 |
| Total domestic deposits to total assets | 83.1841% | 4,677 |
| Equity capital to assets | 9.2729% | 5,178 |
| Core capital (leverage) ratio | 8.8308% | 5,060 |
| Tier 1 risk-based capital ratio | 12.0711% | 5,782 |
| Total risk-based capital ratio | 13.3268% | 5,764 |
| Memoranda: | ||
| Average total assets | $341,674,000 | 1,894 |
| Average earning assets | $306,709,800 | 1,916 |
| Average equity | $30,610,400 | 2,150 |
| Average total loans | $251,290,800 | 1,666 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 2,487 |
| Cost of funding earning assets | 0.9277% | 4,215 |
| Net interest margin | 4.1985% | 2,106 |
| Noninterest income to average assets | 1.2222% | 881 |
| Noninterest expense to average assets | 4.2402% | 762 |
| Loan and lease loss provision to assets | 0.2995% | 3,128 |
| Net operating income to assets | 0.3376% | 5,263 |
| Return on assets (ROA) | 0.4744% | 4,853 |
| Pretax return on assets | 0.6482% | 4,650 |
| Return on Equity (ROE) | 5.3426% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,282 |
| Net charge-offs to loans | 1.1489% | 1,372 |
| Credit loss provision to net charge-offs | 35.1996% | 5,339 |
| Earnings coverage of net charge-offs (x) | 0.8935% | 4,950 |
| Efficiency ratio | 84.7962% | 1,651 |
| Assets per employee ($millions) | 4.9931% | 2,198 |
| Cash dividends to net income (ytd only)* | 9.3002% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 2,443 |
| Loan loss allowance to noncurrent loans | 65.5938% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 3.8221% | 1,619 |
| Noncurrent loans to loans | 2.9881% | 2,314 |
| Net loans and leases to total assets | 72.4917% | 1,613 |
| Net loans and leases to deposits | 89.8801% | 1,225 |
| Net loans and leases to core deposits | 94.6794% | 1,726 |
| Total domestic deposits to total assets | 80.6537% | 5,547 |
| Equity capital to assets | 9.2070% | 5,501 |
| Core capital (leverage) ratio | 8.9144% | 5,075 |
| Tier 1 risk-based capital ratio | 11.8487% | 6,005 |
| Total risk-based capital ratio | 13.1074% | 5,979 |
| Memoranda: | ||
| Average total assets | $341,453,500 | 1,905 |
| Average earning assets | $307,277,500 | 1,923 |
| Average equity | $30,321,750 | 2,178 |
| Average total loans | $252,871,250 | 1,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 2,722 |
| Cost of funding earning assets | 0.9489% | 4,325 |
| Net interest margin | 4.1427% | 2,254 |
| Noninterest income to average assets | 1.2273% | 841 |
| Noninterest expense to average assets | 4.1630% | 859 |
| Loan and lease loss provision to assets | 0.3936% | 2,449 |
| Net operating income to assets | 0.2946% | 5,390 |
| Return on assets (ROA) | 0.4976% | 4,649 |
| Pretax return on assets | 0.6897% | 4,419 |
| Return on Equity (ROE) | 5.6740% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.1715% | 2,896 |
| Net charge-offs to loans | 1.6738% | 864 |
| Credit loss provision to net charge-offs | 31.7385% | 4,960 |
| Earnings coverage of net charge-offs (x) | 0.6461% | 4,817 |
| Efficiency ratio | 83.8580% | 1,831 |
| Assets per employee ($millions) | 4.7328% | 2,499 |
| Cash dividends to net income (ytd only)* | 8.8548% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 2,371 |
| Loan loss allowance to noncurrent loans | 63.6609% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.9539% | 1,628 |
| Noncurrent loans to loans | 3.1442% | 2,287 |
| Net loans and leases to total assets | 72.3114% | 1,728 |
| Net loans and leases to deposits | 86.2723% | 1,754 |
| Net loans and leases to core deposits | 90.5019% | 2,306 |
| Total domestic deposits to total assets | 83.8176% | 4,429 |
| Equity capital to assets | 9.0782% | 5,465 |
| Core capital (leverage) ratio | 8.9306% | 4,831 |
| Tier 1 risk-based capital ratio | 11.7563% | 5,968 |
| Total risk-based capital ratio | 13.0147% | 5,958 |
| Memoranda: | ||
| Average total assets | $340,431,000 | 1,918 |
| Average earning assets | $307,092,670 | 1,934 |
| Average equity | $29,855,670 | 2,192 |
| Average total loans | $252,247,670 | 1,698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 3,065 |
| Cost of funding earning assets | 0.9604% | 4,494 |
| Net interest margin | 4.0498% | 2,473 |
| Noninterest income to average assets | 1.2515% | 811 |
| Noninterest expense to average assets | 4.0288% | 1,004 |
| Loan and lease loss provision to assets | 0.7810% | 1,093 |
| Net operating income to assets | 0.0906% | 6,121 |
| Return on assets (ROA) | 0.5078% | 4,543 |
| Pretax return on assets | 0.6829% | 4,370 |
| Return on Equity (ROE) | 5.8921% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,962 |
| Net charge-offs to loans | 1.9403% | 658 |
| Credit loss provision to net charge-offs | 54.2139% | 3,669 |
| Earnings coverage of net charge-offs (x) | 0.6248% | 4,161 |
| Efficiency ratio | 81.7385% | 2,264 |
| Assets per employee ($millions) | 4.8087% | 2,413 |
| Cash dividends to net income (ytd only)* | 8.7356% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3489% | 1,687 |
| Loan loss allowance to noncurrent loans | 40.2190% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 4.5296% | 1,430 |
| Noncurrent loans to loans | 5.8402% | 1,103 |
| Net loans and leases to total assets | 71.0998% | 1,900 |
| Net loans and leases to deposits | 86.2016% | 1,697 |
| Net loans and leases to core deposits | 90.2617% | 2,318 |
| Total domestic deposits to total assets | 82.4808% | 5,116 |
| Equity capital to assets | 8.6404% | 5,727 |
| Core capital (leverage) ratio | 8.6851% | 5,110 |
| Tier 1 risk-based capital ratio | 11.7826% | 5,868 |
| Total risk-based capital ratio | 13.0458% | 5,866 |
| Memoranda: | ||
| Average total assets | $342,633,500 | 1,917 |
| Average earning assets | $311,125,000 | 1,920 |
| Average equity | $29,531,000 | 2,204 |
| Average total loans | $254,397,500 | 1,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 2,735 |
| Cost of funding earning assets | 1.2453% | 4,245 |
| Net interest margin | 4.1419% | 2,403 |
| Noninterest income to average assets | 1.6795% | 523 |
| Noninterest expense to average assets | 4.3746% | 745 |
| Loan and lease loss provision to assets | 1.0009% | 1,621 |
| Net operating income to assets | 0.0433% | 5,718 |
| Return on assets (ROA) | 0.2799% | 5,170 |
| Pretax return on assets | 0.3325% | 5,138 |
| Return on Equity (ROE) | 3.0120% | 4,950 |
| Retained earnings to average equity (ytd only) | -1.6791% | 5,914 |
| Net charge-offs to loans | 0.3188% | 4,425 |
| Credit loss provision to net charge-offs | 421.3924% | 563 |
| Earnings coverage of net charge-offs (x) | 4.4278% | 2,928 |
| Efficiency ratio | 80.6184% | 2,331 |
| Assets per employee ($millions) | 4.8429% | 2,352 |
| Cash dividends to net income (ytd only)* | 155.7465% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 1,457 |
| Loan loss allowance to noncurrent loans | 42.0100% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 4.5584% | 1,465 |
| Noncurrent loans to loans | 5.8584% | 1,082 |
| Net loans and leases to total assets | 73.8128% | 1,697 |
| Net loans and leases to deposits | 89.2422% | 1,616 |
| Net loans and leases to core deposits | 93.2609% | 2,347 |
| Total domestic deposits to total assets | 82.7106% | 4,926 |
| Equity capital to assets | 8.5974% | 5,729 |
| Core capital (leverage) ratio | 8.3873% | 5,563 |
| Tier 1 risk-based capital ratio | 11.3625% | 6,023 |
| Total risk-based capital ratio | 12.6279% | 6,006 |
| Memoranda: | ||
| Average total assets | $332,604,800 | 1,954 |
| Average earning assets | $300,880,000 | 1,971 |
| Average equity | $30,909,600 | 2,120 |
| Average total loans | $247,824,800 | 1,777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 2,495 |
| Cost of funding earning assets | 1.2766% | 4,393 |
| Net interest margin | 4.2074% | 2,190 |
| Noninterest income to average assets | 1.5185% | 595 |
| Noninterest expense to average assets | 4.1746% | 857 |
| Loan and lease loss provision to assets | 0.8065% | 1,882 |
| Net operating income to assets | 0.2288% | 5,426 |
| Return on assets (ROA) | 0.4864% | 4,574 |
| Pretax return on assets | 0.7136% | 4,187 |
| Return on Equity (ROE) | 5.1332% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.5218% | 4,656 |
| Net charge-offs to loans | 0.3912% | 3,724 |
| Credit loss provision to net charge-offs | 277.8552% | 1,171 |
| Earnings coverage of net charge-offs (x) | 3.9318% | 3,249 |
| Efficiency ratio | 78.5307% | 2,555 |
| Assets per employee ($millions) | 4.8524% | 2,388 |
| Cash dividends to net income (ytd only)* | 50.8728% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 2,237 |
| Loan loss allowance to noncurrent loans | 37.9652% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 4.6535% | 1,432 |
| Noncurrent loans to loans | 5.2538% | 1,291 |
| Net loans and leases to total assets | 73.3346% | 1,942 |
| Net loans and leases to deposits | 90.5783% | 1,642 |
| Net loans and leases to core deposits | 93.0698% | 2,651 |
| Total domestic deposits to total assets | 80.9626% | 5,382 |
| Equity capital to assets | 9.2265% | 5,263 |
| Core capital (leverage) ratio | 8.9110% | 4,834 |
| Tier 1 risk-based capital ratio | 11.6604% | 5,771 |
| Total risk-based capital ratio | 12.9193% | 5,736 |
| Memoranda: | ||
| Average total assets | $329,794,250 | 2,000 |
| Average earning assets | $297,657,000 | 2,020 |
| Average equity | $31,246,500 | 2,113 |
| Average total loans | $244,729,250 | 1,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 2,071 |
| Cost of funding earning assets | 1.3028% | 4,518 |
| Net interest margin | 4.3146% | 1,720 |
| Noninterest income to average assets | 1.2915% | 764 |
| Noninterest expense to average assets | 4.0199% | 1,014 |
| Loan and lease loss provision to assets | 0.4869% | 2,859 |
| Net operating income to assets | 0.4510% | 4,551 |
| Return on assets (ROA) | 0.4543% | 4,691 |
| Pretax return on assets | 0.6815% | 4,304 |
| Return on Equity (ROE) | 4.7511% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.0494% | 5,345 |
| Net charge-offs to loans | 0.4951% | 3,056 |
| Credit loss provision to net charge-offs | 132.9412% | 3,026 |
| Earnings coverage of net charge-offs (x) | 3.1765% | 3,419 |
| Efficiency ratio | 77.5534% | 2,803 |
| Assets per employee ($millions) | 4.5490% | 2,792 |
| Cash dividends to net income (ytd only)* | 77.9133% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 3,233 |
| Loan loss allowance to noncurrent loans | 46.9480% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.3303% | 2,118 |
| Noncurrent loans to loans | 3.5274% | 2,238 |
| Net loans and leases to total assets | 72.6232% | 2,249 |
| Net loans and leases to deposits | 90.8757% | 1,711 |
| Net loans and leases to core deposits | 94.1187% | 2,698 |
| Total domestic deposits to total assets | 79.9149% | 5,752 |
| Equity capital to assets | 9.5219% | 4,673 |
| Core capital (leverage) ratio | 9.0166% | 4,574 |
| Tier 1 risk-based capital ratio | 11.7071% | 5,578 |
| Total risk-based capital ratio | 12.9613% | 5,533 |
| Memoranda: | ||
| Average total assets | $324,886,670 | 2,042 |
| Average earning assets | $293,054,000 | 2,072 |
| Average equity | $31,066,330 | 2,118 |
| Average total loans | $240,375,000 | 1,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 2,002 |
| Cost of funding earning assets | 1.3231% | 4,669 |
| Net interest margin | 4.3129% | 1,651 |
| Noninterest income to average assets | 1.3072% | 704 |
| Noninterest expense to average assets | 4.0661% | 941 |
| Loan and lease loss provision to assets | 0.1569% | 4,965 |
| Net operating income to assets | 0.6780% | 3,535 |
| Return on assets (ROA) | 0.6573% | 3,744 |
| Pretax return on assets | 0.9462% | 3,281 |
| Return on Equity (ROE) | 6.8595% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.3788% | 2,425 |
| Net charge-offs to loans | 0.0336% | 5,108 |
| Credit loss provision to net charge-offs | 630.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 610 |
| Efficiency ratio | 78.2088% | 2,860 |
| Assets per employee ($millions) | 4.5796% | 2,841 |
| Cash dividends to net income (ytd only)* | 7.0076% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,258 |
| Loan loss allowance to noncurrent loans | 49.6437% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.3409% | 2,128 |
| Noncurrent loans to loans | 3.3201% | 2,407 |
| Net loans and leases to total assets | 72.8752% | 2,236 |
| Net loans and leases to deposits | 90.9756% | 1,766 |
| Net loans and leases to core deposits | 96.0577% | 2,585 |
| Total domestic deposits to total assets | 80.1041% | 5,747 |
| Equity capital to assets | 9.5549% | 4,448 |
| Core capital (leverage) ratio | 9.5163% | 3,743 |
| Tier 1 risk-based capital ratio | 11.9266% | 5,275 |
| Total risk-based capital ratio | 13.1807% | 5,227 |
| Memoranda: | ||
| Average total assets | $321,291,500 | 2,118 |
| Average earning assets | $289,921,500 | 2,146 |
| Average equity | $30,789,500 | 2,158 |
| Average total loans | $237,949,500 | 1,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 1,684 |
| Cost of funding earning assets | 1.7395% | 4,312 |
| Net interest margin | 4.3067% | 1,698 |
| Noninterest income to average assets | 1.7753% | 469 |
| Noninterest expense to average assets | 4.5997% | 717 |
| Loan and lease loss provision to assets | 0.3088% | 4,970 |
| Net operating income to assets | 0.6019% | 3,323 |
| Return on assets (ROA) | 0.5190% | 3,744 |
| Pretax return on assets | 0.6674% | 3,690 |
| Return on Equity (ROE) | 5.3162% | 3,523 |
| Retained earnings to average equity (ytd only) | 1.7699% | 3,852 |
| Net charge-offs to loans | 0.1861% | 5,495 |
| Credit loss provision to net charge-offs | 222.3744% | 1,693 |
| Earnings coverage of net charge-offs (x) | 7.7945% | 2,067 |
| Efficiency ratio | 80.9497% | 2,757 |
| Assets per employee ($millions) | 4.3484% | 3,196 |
| Cash dividends to net income (ytd only)* | 66.7074% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,106 |
| Loan loss allowance to noncurrent loans | 71.5741% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.5054% | 2,789 |
| Noncurrent loans to loans | 2.2981% | 3,288 |
| Net loans and leases to total assets | 72.8057% | 2,553 |
| Net loans and leases to deposits | 90.5269% | 2,137 |
| Net loans and leases to core deposits | 107.0192% | 3,215 |
| Total domestic deposits to total assets | 80.4243% | 5,545 |
| Equity capital to assets | 9.6119% | 4,258 |
| Core capital (leverage) ratio | 9.3734% | 3,869 |
| Tier 1 risk-based capital ratio | 11.6719% | 5,226 |
| Total risk-based capital ratio | 12.9252% | 5,179 |
| Memoranda: | ||
| Average total assets | $315,387,400 | 2,130 |
| Average earning assets | $286,114,000 | 2,150 |
| Average equity | $30,792,800 | 2,178 |
| Average total loans | $235,326,400 | 1,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,734 |
| Cost of funding earning assets | 1.8225% | 4,272 |
| Net interest margin | 4.2539% | 1,858 |
| Noninterest income to average assets | 1.8559% | 432 |
| Noninterest expense to average assets | 4.3377% | 872 |
| Loan and lease loss provision to assets | 0.2384% | 5,057 |
| Net operating income to assets | 0.8179% | 2,733 |
| Return on assets (ROA) | 0.8320% | 2,751 |
| Pretax return on assets | 1.1661% | 2,366 |
| Return on Equity (ROE) | 8.4888% | 2,455 |
| Retained earnings to average equity (ytd only) | 5.7154% | 2,093 |
| Net charge-offs to loans | 0.0498% | 6,221 |
| Credit loss provision to net charge-offs | 639.7727% | 587 |
| Earnings coverage of net charge-offs (x) | 37.1592% | 793 |
| Efficiency ratio | 75.8029% | 3,544 |
| Assets per employee ($millions) | 4.4564% | 2,930 |
| Cash dividends to net income (ytd only)* | 32.6719% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 2,854 |
| Loan loss allowance to noncurrent loans | 61.0888% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.6794% | 2,600 |
| Noncurrent loans to loans | 2.6821% | 2,828 |
| Net loans and leases to total assets | 71.1742% | 3,228 |
| Net loans and leases to deposits | 89.5743% | 2,659 |
| Net loans and leases to core deposits | 112.1909% | 3,004 |
| Total domestic deposits to total assets | 79.4582% | 5,642 |
| Equity capital to assets | 9.9901% | 4,098 |
| Core capital (leverage) ratio | 9.9865% | 3,303 |
| Tier 1 risk-based capital ratio | 12.3316% | 4,678 |
| Total risk-based capital ratio | 13.5844% | 4,624 |
| Memoranda: | ||
| Average total assets | $314,876,750 | 2,147 |
| Average earning assets | $286,191,000 | 2,161 |
| Average equity | $30,863,250 | 2,196 |
| Average total loans | $235,415,000 | 2,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1689% | 1,564 |
| Cost of funding earning assets | 1.8730% | 4,405 |
| Net interest margin | 4.2959% | 1,668 |
| Noninterest income to average assets | 2.1324% | 332 |
| Noninterest expense to average assets | 4.2783% | 976 |
| Loan and lease loss provision to assets | 0.2493% | 4,580 |
| Net operating income to assets | 1.0457% | 1,953 |
| Return on assets (ROA) | 1.0541% | 2,007 |
| Pretax return on assets | 1.5271% | 1,375 |
| Return on Equity (ROE) | 10.8251% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.1883% | 692 |
| Net charge-offs to loans | 0.0288% | 6,073 |
| Credit loss provision to net charge-offs | 1,147.0588% | 437 |
| Earnings coverage of net charge-offs (x) | 81.1765% | 473 |
| Efficiency ratio | 70.8029% | 4,623 |
| Assets per employee ($millions) | 4.3826% | 2,959 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 2,956 |
| Loan loss allowance to noncurrent loans | 48.6469% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 3.0712% | 2,055 |
| Noncurrent loans to loans | 3.1852% | 2,240 |
| Net loans and leases to total assets | 74.1992% | 2,652 |
| Net loans and leases to deposits | 90.4943% | 2,749 |
| Net loans and leases to core deposits | 112.4585% | 3,081 |
| Total domestic deposits to total assets | 81.9932% | 4,698 |
| Equity capital to assets | 9.9551% | 4,010 |
| Core capital (leverage) ratio | 10.1117% | 3,176 |
| Tier 1 risk-based capital ratio | 12.3318% | 4,649 |
| Total risk-based capital ratio | 13.5841% | 4,571 |
| Memoranda: | ||
| Average total assets | $312,883,000 | 2,182 |
| Average earning assets | $284,784,000 | 2,198 |
| Average equity | $30,466,330 | 2,237 |
| Average total loans | $236,496,000 | 2,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3094% | 1,273 |
| Cost of funding earning assets | 1.9228% | 4,524 |
| Net interest margin | 4.3866% | 1,383 |
| Noninterest income to average assets | 2.1659% | 317 |
| Noninterest expense to average assets | 4.0546% | 1,122 |
| Loan and lease loss provision to assets | 0.3839% | 3,024 |
| Net operating income to assets | 1.1615% | 1,767 |
| Return on assets (ROA) | 1.1606% | 1,890 |
| Pretax return on assets | 1.7243% | 1,129 |
| Return on Equity (ROE) | 12.0561% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.3893% | 907 |
| Net charge-offs to loans | -0.0034% | 7,144 |
| Credit loss provision to net charge-offs | -14,950.0000% | 6,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7780% | 5,369 |
| Assets per employee ($millions) | 4.3994% | 2,887 |
| Cash dividends to net income (ytd only)* | 5.5310% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 2,725 |
| Loan loss allowance to noncurrent loans | 93.9927% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 2,659 |
| Noncurrent loans to loans | 1.6492% | 3,800 |
| Net loans and leases to total assets | 73.8075% | 2,804 |
| Net loans and leases to deposits | 91.5187% | 2,690 |
| Net loans and leases to core deposits | 112.5759% | 3,160 |
| Total domestic deposits to total assets | 80.6474% | 5,115 |
| Equity capital to assets | 9.8256% | 4,213 |
| Core capital (leverage) ratio | 9.7462% | 3,688 |
| Tier 1 risk-based capital ratio | 12.3311% | 4,676 |
| Total risk-based capital ratio | 13.5833% | 4,594 |
| Memoranda: | ||
| Average total assets | $311,550,500 | 2,205 |
| Average earning assets | $283,957,500 | 2,218 |
| Average equity | $29,993,000 | 2,276 |
| Average total loans | $235,834,500 | 2,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7158% | 1,973 |
| Cost of funding earning assets | 2.3822% | 4,799 |
| Net interest margin | 4.3336% | 1,878 |
| Noninterest income to average assets | 1.4487% | 678 |
| Noninterest expense to average assets | 4.0471% | 1,348 |
| Loan and lease loss provision to assets | 0.3452% | 3,634 |
| Net operating income to assets | 0.7251% | 3,782 |
| Return on assets (ROA) | 0.7251% | 3,615 |
| Pretax return on assets | 1.0084% | 3,355 |
| Return on Equity (ROE) | 8.0946% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.3277% | 1,044 |
| Net charge-offs to loans | 0.0678% | 5,799 |
| Credit loss provision to net charge-offs | 640.1274% | 667 |
| Earnings coverage of net charge-offs (x) | 25.1019% | 1,348 |
| Efficiency ratio | 74.9364% | 3,410 |
| Assets per employee ($millions) | 4.3767% | 2,832 |
| Cash dividends to net income (ytd only)* | 9.4742% | 4,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 3,183 |
| Loan loss allowance to noncurrent loans | 107.4564% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 2,579 |
| Noncurrent loans to loans | 1.3044% | 3,904 |
| Net loans and leases to total assets | 75.3570% | 2,791 |
| Net loans and leases to deposits | 93.9234% | 2,775 |
| Net loans and leases to core deposits | 114.7629% | 3,261 |
| Total domestic deposits to total assets | 80.2323% | 4,931 |
| Equity capital to assets | 9.4273% | 4,790 |
| Core capital (leverage) ratio | 10.1424% | 3,324 |
| Tier 1 risk-based capital ratio | 11.8636% | 4,929 |
| Total risk-based capital ratio | 13.1142% | 4,830 |
| Memoranda: | ||
| Average total assets | $291,149,600 | 2,246 |
| Average earning assets | $265,509,400 | 2,251 |
| Average equity | $26,079,000 | 2,553 |
| Average total loans | $231,482,800 | 2,039 |