Home > West Alabama Bank & Trust > Performance and Condition Ratios
West Alabama Bank & Trust, 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 | 4.7377% | 2,599 |
| Cost of funding earning assets | 1.6919% | 1,468 |
| Net interest margin | 3.0458% | 3,188 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.1842% | 3,174 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9341% | 2,428 |
| Return on assets (ROA) | 0.9129% | 2,474 |
| Pretax return on assets | 1.1631% | 2,229 |
| Return on Equity (ROE) | 11.9300% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.6404% | 1,659 |
| Net charge-offs to loans | 0.0538% | 1,326 |
| Credit loss provision to net charge-offs | 255.5556% | 1,056 |
| Earnings coverage of net charge-offs (x) | 41.2037% | 1,430 |
| Efficiency ratio | 63.2584% | 2,701 |
| Assets per employee ($millions) | 6.1856% | 2,658 |
| Cash dividends to net income (ytd only)* | 35.9480% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,143 |
| Loan loss allowance to noncurrent loans | 472.6271% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,326 |
| Noncurrent loans to loans | 0.2187% | 2,442 |
| Net loans and leases to total assets | 56.4200% | 3,160 |
| Net loans and leases to deposits | 67.0738% | 3,102 |
| Net loans and leases to core deposits | 77.9349% | 2,842 |
| Total domestic deposits to total assets | 84.1200% | 2,592 |
| Equity capital to assets | 7.6343% | 3,636 |
| Core capital (leverage) ratio | 10.6614% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $876,944,600 | 1,107 |
| Average earning assets | $802,314,000 | 1,105 |
| Average equity | $67,117,200 | 1,291 |
| Average total loans | $501,639,800 | 1,232 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,511 |
| Cost of funding earning assets | 1.5412% | 1,503 |
| Net interest margin | 3.1384% | 3,058 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1548% | 3,202 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0108% | 2,339 |
| Return on assets (ROA) | 0.9820% | 2,410 |
| Pretax return on assets | 1.2468% | 2,180 |
| Return on Equity (ROE) | 12.8200% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.2923% | 1,322 |
| Net charge-offs to loans | 0.0480% | 1,206 |
| Credit loss provision to net charge-offs | 211.8644% | 1,084 |
| Earnings coverage of net charge-offs (x) | 48.8588% | 1,327 |
| Efficiency ratio | 61.6327% | 2,763 |
| Assets per employee ($millions) | 5.7216% | 2,996 |
| Cash dividends to net income (ytd only)* | 19.7283% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,235 |
| Loan loss allowance to noncurrent loans | 427.7157% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,344 |
| Noncurrent loans to loans | 0.2396% | 2,393 |
| Net loans and leases to total assets | 58.6900% | 2,971 |
| Net loans and leases to deposits | 69.6290% | 2,865 |
| Net loans and leases to core deposits | 82.6090% | 2,430 |
| Total domestic deposits to total assets | 84.2900% | 2,689 |
| Equity capital to assets | 7.0466% | 3,587 |
| Core capital (leverage) ratio | 10.8097% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $859,580,750 | 1,124 |
| Average earning assets | $783,004,000 | 1,121 |
| Average equity | $65,833,750 | 1,296 |
| Average total loans | $492,157,750 | 1,243 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 2,572 |
| Cost of funding earning assets | 1.3266% | 1,641 |
| Net interest margin | 3.2047% | 2,984 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.1753% | 3,152 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0527% | 2,255 |
| Return on assets (ROA) | 1.0092% | 2,386 |
| Pretax return on assets | 1.2804% | 2,133 |
| Return on Equity (ROE) | 12.8200% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.0994% | 1,663 |
| Net charge-offs to loans | 0.0029% | 2,240 |
| Credit loss provision to net charge-offs | 2,142.8571% | 245 |
| Earnings coverage of net charge-offs (x) | 834.5714% | 179 |
| Efficiency ratio | 61.3445% | 2,802 |
| Assets per employee ($millions) | 5.4624% | 3,182 |
| Cash dividends to net income (ytd only)* | 29.0398% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,180 |
| Loan loss allowance to noncurrent loans | 478.7715% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 2,368 |
| Noncurrent loans to loans | 0.2196% | 2,386 |
| Net loans and leases to total assets | 58.1700% | 2,951 |
| Net loans and leases to deposits | 69.8312% | 2,797 |
| Net loans and leases to core deposits | 82.3646% | 2,307 |
| Total domestic deposits to total assets | 83.3000% | 2,983 |
| Equity capital to assets | 7.8115% | 3,343 |
| Core capital (leverage) ratio | 11.0536% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $852,397,667 | 1,125 |
| Average earning assets | $773,544,000 | 1,137 |
| Average equity | $67,081,667 | 1,277 |
| Average total loans | $482,039,000 | 1,250 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 2,464 |
| Cost of funding earning assets | 1.1141% | 1,719 |
| Net interest margin | 3.3162% | 2,840 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.1648% | 3,209 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1259% | 2,140 |
| Return on assets (ROA) | 1.1259% | 2,108 |
| Pretax return on assets | 1.4281% | 1,818 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 14.2537% | 907 |
| Net charge-offs to loans | 0.0119% | 1,504 |
| Credit loss provision to net charge-offs | 714.2857% | 448 |
| Earnings coverage of net charge-offs (x) | 223.8571% | 474 |
| Efficiency ratio | 59.4724% | 3,023 |
| Assets per employee ($millions) | 5.5596% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,025 |
| Loan loss allowance to noncurrent loans | 591.8736% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,493 |
| Noncurrent loans to loans | 0.1868% | 2,545 |
| Net loans and leases to total assets | 55.5100% | 3,070 |
| Net loans and leases to deposits | 65.0098% | 3,011 |
| Net loans and leases to core deposits | 78.2517% | 2,373 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 8.2405% | 3,083 |
| Core capital (leverage) ratio | 11.0094% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $849,795,000 | 1,139 |
| Average earning assets | $764,376,500 | 1,167 |
| Average equity | $67,126,500 | 1,287 |
| Average total loans | $470,982,500 | 1,282 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 2,097 |
| Cost of funding earning assets | 0.5285% | 1,216 |
| Net interest margin | 3.3315% | 2,479 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.4125% | 2,388 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0228% | 2,486 |
| Return on assets (ROA) | 1.0031% | 2,497 |
| Pretax return on assets | 1.2767% | 2,174 |
| Return on Equity (ROE) | 10.5600% | 2,630 |
| Retained earnings to average equity (ytd only) | 6.9210% | 2,273 |
| Net charge-offs to loans | 0.0351% | 1,377 |
| Credit loss provision to net charge-offs | 596.5517% | 607 |
| Earnings coverage of net charge-offs (x) | 75.9862% | 1,115 |
| Efficiency ratio | 63.0727% | 2,621 |
| Assets per employee ($millions) | 5.6592% | 3,076 |
| Cash dividends to net income (ytd only)* | 34.4409% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,882 |
| Loan loss allowance to noncurrent loans | 531.7526% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 2,457 |
| Noncurrent loans to loans | 0.2074% | 2,457 |
| Net loans and leases to total assets | 54.1200% | 3,190 |
| Net loans and leases to deposits | 60.4796% | 3,302 |
| Net loans and leases to core deposits | 71.4623% | 2,761 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 7.5615% | 3,351 |
| Core capital (leverage) ratio | 11.4064% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $780,061,200 | 1,206 |
| Average earning assets | $711,419,600 | 1,219 |
| Average equity | $74,122,400 | 1,199 |
| Average total loans | $412,663,400 | 1,354 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 1,987 |
| Cost of funding earning assets | 0.4435% | 1,014 |
| Net interest margin | 3.2729% | 2,381 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.4024% | 2,314 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1025% | 2,078 |
| Return on assets (ROA) | 1.1033% | 2,044 |
| Pretax return on assets | 1.3984% | 1,725 |
| Return on Equity (ROE) | 10.9800% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.4618% | 1,831 |
| Net charge-offs to loans | 0.0421% | 1,075 |
| Credit loss provision to net charge-offs | 158.7302% | 1,101 |
| Earnings coverage of net charge-offs (x) | 64.9206% | 1,133 |
| Efficiency ratio | 62.6484% | 2,744 |
| Assets per employee ($millions) | 4.8925% | 3,770 |
| Cash dividends to net income (ytd only)* | 22.9487% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,158 |
| Loan loss allowance to noncurrent loans | 214.2925% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 1,829 |
| Noncurrent loans to loans | 0.4982% | 1,554 |
| Net loans and leases to total assets | 55.8700% | 2,916 |
| Net loans and leases to deposits | 61.1840% | 3,094 |
| Net loans and leases to core deposits | 67.6558% | 2,827 |
| Total domestic deposits to total assets | 91.3100% | 1,119 |
| Equity capital to assets | 8.2817% | 2,697 |
| Core capital (leverage) ratio | 11.7491% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $761,442,750 | 1,232 |
| Average earning assets | $702,199,500 | 1,240 |
| Average equity | $76,499,000 | 1,187 |
| Average total loans | $398,911,000 | 1,388 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 1,937 |
| Cost of funding earning assets | 0.4353% | 744 |
| Net interest margin | 3.1336% | 2,430 |
| Noninterest income to average assets | 0.8648% | 915 |
| Noninterest expense to average assets | 2.3979% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0762% | 1,871 |
| Return on assets (ROA) | 1.0774% | 1,844 |
| Pretax return on assets | 1.3657% | 1,534 |
| Return on Equity (ROE) | 10.1433% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.5876% | 2,140 |
| Net charge-offs to loans | 0.0604% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 44.2627% | 1,211 |
| Efficiency ratio | 63.7392% | 2,805 |
| Assets per employee ($millions) | 4.9509% | 3,715 |
| Cash dividends to net income (ytd only)* | 35.0545% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,267 |
| Loan loss allowance to noncurrent loans | 222.0452% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,029 |
| Noncurrent loans to loans | 0.4835% | 1,664 |
| Net loans and leases to total assets | 52.5636% | 3,104 |
| Net loans and leases to deposits | 58.0462% | 3,224 |
| Net loans and leases to core deposits | 64.2899% | 2,943 |
| Total domestic deposits to total assets | 90.5548% | 1,438 |
| Equity capital to assets | 8.9415% | 2,420 |
| Core capital (leverage) ratio | 11.6450% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $765,738,667 | 1,231 |
| Average earning assets | $707,998,333 | 1,238 |
| Average equity | $81,334,333 | 1,144 |
| Average total loans | $390,976,667 | 1,408 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 2,054 |
| Cost of funding earning assets | 0.4481% | 666 |
| Net interest margin | 2.9634% | 2,627 |
| Noninterest income to average assets | 0.7232% | 1,237 |
| Noninterest expense to average assets | 2.3594% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8772% | 2,375 |
| Return on assets (ROA) | 0.8796% | 2,367 |
| Pretax return on assets | 1.1160% | 2,088 |
| Return on Equity (ROE) | 7.6836% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.6836% | 1,678 |
| Net charge-offs to loans | 0.1828% | 330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.1705% | 1,422 |
| Efficiency ratio | 67.9485% | 2,513 |
| Assets per employee ($millions) | 4.8190% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,302 |
| Loan loss allowance to noncurrent loans | 453.0287% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,956 |
| Noncurrent loans to loans | 0.2442% | 2,616 |
| Net loans and leases to total assets | 49.7331% | 3,202 |
| Net loans and leases to deposits | 55.8098% | 3,285 |
| Net loans and leases to core deposits | 62.2970% | 2,949 |
| Total domestic deposits to total assets | 89.1118% | 2,027 |
| Equity capital to assets | 10.6430% | 1,525 |
| Core capital (leverage) ratio | 11.6662% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,861,000 | 1,229 |
| Average earning assets | $714,175,000 | 1,231 |
| Average equity | $88,136,000 | 1,100 |
| Average total loans | $385,221,500 | 1,414 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 2,482 |
| Cost of funding earning assets | 0.6431% | 439 |
| Net interest margin | 2.9192% | 3,398 |
| Noninterest income to average assets | 0.9464% | 1,097 |
| Noninterest expense to average assets | 2.3807% | 2,548 |
| Loan and lease loss provision to assets | 0.2947% | 280 |
| Net operating income to assets | 0.8086% | 3,310 |
| Return on assets (ROA) | 0.8168% | 3,351 |
| Pretax return on assets | 0.9988% | 3,259 |
| Return on Equity (ROE) | 6.5666% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.4448% | 3,032 |
| Net charge-offs to loans | 0.6828% | 115 |
| Credit loss provision to net charge-offs | 85.6816% | 1,912 |
| Earnings coverage of net charge-offs (x) | 3.7312% | 2,527 |
| Efficiency ratio | 64.9734% | 2,408 |
| Assets per employee ($millions) | 4.8344% | 3,862 |
| Cash dividends to net income (ytd only)* | 32.3124% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,119 |
| Loan loss allowance to noncurrent loans | 413.2216% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 2,964 |
| Noncurrent loans to loans | 0.2789% | 2,608 |
| Net loans and leases to total assets | 49.2147% | 3,379 |
| Net loans and leases to deposits | 56.4074% | 3,382 |
| Net loans and leases to core deposits | 63.5352% | 3,027 |
| Total domestic deposits to total assets | 87.2487% | 2,412 |
| Equity capital to assets | 12.2460% | 1,153 |
| Core capital (leverage) ratio | 11.6399% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $763,441,800 | 1,205 |
| Average earning assets | $710,750,200 | 1,203 |
| Average equity | $94,965,400 | 1,050 |
| Average total loans | $384,579,600 | 1,414 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 2,510 |
| Cost of funding earning assets | 0.6902% | 400 |
| Net interest margin | 2.9252% | 3,494 |
| Noninterest income to average assets | 0.9996% | 1,070 |
| Noninterest expense to average assets | 2.3264% | 2,667 |
| Loan and lease loss provision to assets | 0.3066% | 255 |
| Net operating income to assets | 0.8589% | 3,352 |
| Return on assets (ROA) | 0.8701% | 3,399 |
| Pretax return on assets | 1.1032% | 3,187 |
| Return on Equity (ROE) | 6.9677% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.6362% | 2,984 |
| Net charge-offs to loans | 0.7758% | 96 |
| Credit loss provision to net charge-offs | 78.2298% | 1,721 |
| Earnings coverage of net charge-offs (x) | 3.5606% | 2,304 |
| Efficiency ratio | 62.5035% | 2,610 |
| Assets per employee ($millions) | 4.8862% | 3,806 |
| Cash dividends to net income (ytd only)* | 19.1099% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 3,174 |
| Loan loss allowance to noncurrent loans | 440.6314% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,260 |
| Noncurrent loans to loans | 0.2630% | 2,875 |
| Net loans and leases to total assets | 48.1080% | 3,622 |
| Net loans and leases to deposits | 55.3591% | 3,631 |
| Net loans and leases to core deposits | 62.8135% | 3,237 |
| Total domestic deposits to total assets | 86.9017% | 2,390 |
| Equity capital to assets | 12.7034% | 1,088 |
| Core capital (leverage) ratio | 11.5623% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $760,927,250 | 1,220 |
| Average earning assets | $708,161,250 | 1,220 |
| Average equity | $95,026,000 | 1,064 |
| Average total loans | $384,446,000 | 1,447 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 2,418 |
| Cost of funding earning assets | 0.7320% | 393 |
| Net interest margin | 2.9383% | 3,483 |
| Noninterest income to average assets | 0.6723% | 1,918 |
| Noninterest expense to average assets | 2.1540% | 3,229 |
| Loan and lease loss provision to assets | 0.3953% | 161 |
| Net operating income to assets | 0.6745% | 3,820 |
| Return on assets (ROA) | 0.6905% | 3,847 |
| Pretax return on assets | 0.8758% | 3,715 |
| Return on Equity (ROE) | 5.5616% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,669 |
| Net charge-offs to loans | 1.1795% | 63 |
| Credit loss provision to net charge-offs | 65.5308% | 1,537 |
| Earnings coverage of net charge-offs (x) | 2.0734% | 2,149 |
| Efficiency ratio | 63.2634% | 2,529 |
| Assets per employee ($millions) | 5.0510% | 3,615 |
| Cash dividends to net income (ytd only)* | 36.2214% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,669 |
| Loan loss allowance to noncurrent loans | 298.5905% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,117 |
| Noncurrent loans to loans | 0.3486% | 2,659 |
| Net loans and leases to total assets | 48.8729% | 3,657 |
| Net loans and leases to deposits | 57.5697% | 3,585 |
| Net loans and leases to core deposits | 65.6322% | 3,143 |
| Total domestic deposits to total assets | 84.8935% | 3,142 |
| Equity capital to assets | 12.0664% | 1,330 |
| Core capital (leverage) ratio | 11.3195% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $758,859,000 | 1,223 |
| Average earning assets | $705,720,333 | 1,214 |
| Average equity | $94,217,333 | 1,066 |
| Average total loans | $388,135,000 | 1,445 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 2,733 |
| Cost of funding earning assets | 0.7545% | 439 |
| Net interest margin | 2.8162% | 3,720 |
| Noninterest income to average assets | 0.7081% | 1,851 |
| Noninterest expense to average assets | 2.1772% | 3,177 |
| Loan and lease loss provision to assets | 0.1607% | 786 |
| Net operating income to assets | 0.7764% | 3,496 |
| Return on assets (ROA) | 0.7777% | 3,559 |
| Pretax return on assets | 0.9866% | 3,414 |
| Return on Equity (ROE) | 6.1727% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.1727% | 2,836 |
| Net charge-offs to loans | 0.5328% | 152 |
| Credit loss provision to net charge-offs | 57.9151% | 1,284 |
| Earnings coverage of net charge-offs (x) | 4.1293% | 1,740 |
| Efficiency ratio | 65.5222% | 2,298 |
| Assets per employee ($millions) | 4.9545% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,983 |
| Loan loss allowance to noncurrent loans | 251.1475% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 2,927 |
| Noncurrent loans to loans | 0.4740% | 2,433 |
| Net loans and leases to total assets | 50.3204% | 3,594 |
| Net loans and leases to deposits | 59.3813% | 3,533 |
| Net loans and leases to core deposits | 68.0722% | 3,050 |
| Total domestic deposits to total assets | 84.7413% | 3,210 |
| Equity capital to assets | 12.2581% | 1,170 |
| Core capital (leverage) ratio | 11.7857% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $746,834,500 | 1,221 |
| Average earning assets | $693,424,500 | 1,226 |
| Average equity | $94,091,500 | 1,060 |
| Average total loans | $388,875,000 | 1,452 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 2,742 |
| Cost of funding earning assets | 0.9459% | 726 |
| Net interest margin | 3.0498% | 3,753 |
| Noninterest income to average assets | 0.7730% | 1,617 |
| Noninterest expense to average assets | 2.3916% | 3,156 |
| Loan and lease loss provision to assets | 0.1299% | 2,737 |
| Net operating income to assets | 0.8418% | 2,932 |
| Return on assets (ROA) | 0.8562% | 3,012 |
| Pretax return on assets | 1.0847% | 2,753 |
| Return on Equity (ROE) | 6.3737% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.1014% | 3,292 |
| Net charge-offs to loans | 0.0771% | 1,713 |
| Credit loss provision to net charge-offs | 298.0132% | 1,742 |
| Earnings coverage of net charge-offs (x) | 27.4437% | 1,683 |
| Efficiency ratio | 66.4695% | 2,453 |
| Assets per employee ($millions) | 4.6855% | 3,731 |
| Cash dividends to net income (ytd only)* | 51.3404% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,797 |
| Loan loss allowance to noncurrent loans | 209.3954% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 2,678 |
| Noncurrent loans to loans | 0.5869% | 2,232 |
| Net loans and leases to total assets | 52.5932% | 3,623 |
| Net loans and leases to deposits | 62.8847% | 3,534 |
| Net loans and leases to core deposits | 72.4202% | 3,037 |
| Total domestic deposits to total assets | 83.6343% | 3,226 |
| Equity capital to assets | 12.9497% | 1,107 |
| Core capital (leverage) ratio | 11.9239% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $692,713,000 | 1,193 |
| Average earning assets | $639,393,800 | 1,192 |
| Average equity | $93,054,000 | 1,029 |
| Average total loans | $391,527,600 | 1,389 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 2,751 |
| Cost of funding earning assets | 0.9832% | 804 |
| Net interest margin | 3.0895% | 3,760 |
| Noninterest income to average assets | 0.7339% | 1,689 |
| Noninterest expense to average assets | 2.3191% | 3,371 |
| Loan and lease loss provision to assets | 0.1173% | 2,857 |
| Net operating income to assets | 0.8898% | 2,744 |
| Return on assets (ROA) | 0.9091% | 2,791 |
| Pretax return on assets | 1.1701% | 2,487 |
| Return on Equity (ROE) | 6.7024% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.5129% | 2,794 |
| Net charge-offs to loans | 0.0794% | 1,512 |
| Credit loss provision to net charge-offs | 257.5107% | 1,902 |
| Earnings coverage of net charge-offs (x) | 27.7253% | 1,655 |
| Efficiency ratio | 64.5508% | 2,651 |
| Assets per employee ($millions) | 4.6047% | 3,720 |
| Cash dividends to net income (ytd only)* | 32.6667% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,835 |
| Loan loss allowance to noncurrent loans | 234.1164% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 2,970 |
| Noncurrent loans to loans | 0.4999% | 2,557 |
| Net loans and leases to total assets | 53.8856% | 3,814 |
| Net loans and leases to deposits | 64.7140% | 3,737 |
| Net loans and leases to core deposits | 74.5859% | 3,279 |
| Total domestic deposits to total assets | 83.2672% | 3,072 |
| Equity capital to assets | 13.3400% | 1,054 |
| Core capital (leverage) ratio | 12.0649% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $681,983,500 | 1,190 |
| Average earning assets | $628,686,000 | 1,198 |
| Average equity | $92,502,000 | 1,021 |
| Average total loans | $391,483,000 | 1,381 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 2,892 |
| Cost of funding earning assets | 1.0237% | 918 |
| Net interest margin | 3.1331% | 3,827 |
| Noninterest income to average assets | 0.7228% | 1,659 |
| Noninterest expense to average assets | 2.3040% | 3,504 |
| Loan and lease loss provision to assets | 0.0896% | 3,153 |
| Net operating income to assets | 0.9324% | 2,568 |
| Return on assets (ROA) | 0.9536% | 2,611 |
| Pretax return on assets | 1.2399% | 2,220 |
| Return on Equity (ROE) | 6.9895% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.6654% | 3,086 |
| Net charge-offs to loans | -0.0281% | 4,516 |
| Credit loss provision to net charge-offs | -545.4545% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6921% | 2,862 |
| Assets per employee ($millions) | 4.5201% | 3,760 |
| Cash dividends to net income (ytd only)* | 47.5579% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 2,619 |
| Loan loss allowance to noncurrent loans | 175.3356% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 2,813 |
| Noncurrent loans to loans | 0.6720% | 2,184 |
| Net loans and leases to total assets | 53.6807% | 3,902 |
| Net loans and leases to deposits | 64.6282% | 3,836 |
| Net loans and leases to core deposits | 73.6893% | 3,481 |
| Total domestic deposits to total assets | 83.0607% | 3,071 |
| Equity capital to assets | 13.2177% | 1,073 |
| Core capital (leverage) ratio | 12.3906% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $669,869,333 | 1,188 |
| Average earning assets | $616,571,000 | 1,196 |
| Average equity | $91,394,333 | 1,023 |
| Average total loans | $391,424,667 | 1,352 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,566 |
| Cost of funding earning assets | 1.1140% | 1,007 |
| Net interest margin | 3.3002% | 3,592 |
| Noninterest income to average assets | 0.8312% | 1,219 |
| Noninterest expense to average assets | 2.3412% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1938% | 1,536 |
| Return on assets (ROA) | 1.2011% | 1,629 |
| Pretax return on assets | 1.5272% | 1,242 |
| Return on Equity (ROE) | 8.6548% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.6548% | 1,068 |
| Net charge-offs to loans | -0.1292% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4737% | 3,677 |
| Assets per employee ($millions) | 4.1755% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,117 |
| Loan loss allowance to noncurrent loans | 337.2671% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 3,659 |
| Noncurrent loans to loans | 0.3304% | 3,308 |
| Net loans and leases to total assets | 59.1798% | 3,579 |
| Net loans and leases to deposits | 71.7024% | 3,458 |
| Net loans and leases to core deposits | 82.5091% | 2,976 |
| Total domestic deposits to total assets | 82.5354% | 3,254 |
| Equity capital to assets | 13.8199% | 1,121 |
| Core capital (leverage) ratio | 13.0633% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,714,500 | 1,192 |
| Average earning assets | $594,259,000 | 1,198 |
| Average equity | $89,892,500 | 1,028 |
| Average total loans | $393,163,500 | 1,310 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 2,750 |
| Cost of funding earning assets | 1.0906% | 1,365 |
| Net interest margin | 3.4686% | 3,539 |
| Noninterest income to average assets | 0.9315% | 1,113 |
| Noninterest expense to average assets | 2.5708% | 3,257 |
| Loan and lease loss provision to assets | 0.1308% | 1,637 |
| Net operating income to assets | 1.1374% | 2,297 |
| Return on assets (ROA) | 1.1445% | 2,372 |
| Pretax return on assets | 1.4281% | 2,055 |
| Return on Equity (ROE) | 8.2975% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.2299% | 3,402 |
| Net charge-offs to loans | 0.1821% | 1,103 |
| Credit loss provision to net charge-offs | 114.9233% | 2,186 |
| Earnings coverage of net charge-offs (x) | 13.6206% | 2,342 |
| Efficiency ratio | 62.2477% | 3,340 |
| Assets per employee ($millions) | 4.0506% | 3,843 |
| Cash dividends to net income (ytd only)* | 61.0734% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,149 |
| Loan loss allowance to noncurrent loans | 371.1268% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,769 |
| Noncurrent loans to loans | 0.2865% | 3,414 |
| Net loans and leases to total assets | 60.9086% | 3,512 |
| Net loans and leases to deposits | 74.6599% | 3,294 |
| Net loans and leases to core deposits | 87.3113% | 2,673 |
| Total domestic deposits to total assets | 81.5814% | 3,620 |
| Equity capital to assets | 13.9376% | 1,119 |
| Core capital (leverage) ratio | 12.9000% | 1,285 |
| Tier 1 risk-based capital ratio | 18.5189% | 1,623 |
| Total risk-based capital ratio | 19.4724% | 1,661 |
| Memoranda: | ||
| Average total assets | $630,074,000 | 1,182 |
| Average earning assets | $579,339,200 | 1,191 |
| Average equity | $86,906,200 | 1,015 |
| Average total loans | $393,679,000 | 1,285 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 2,819 |
| Cost of funding earning assets | 1.0725% | 1,462 |
| Net interest margin | 3.5005% | 3,563 |
| Noninterest income to average assets | 0.8999% | 1,143 |
| Noninterest expense to average assets | 2.4592% | 3,539 |
| Loan and lease loss provision to assets | 0.1011% | 1,900 |
| Net operating income to assets | 1.2201% | 2,125 |
| Return on assets (ROA) | 1.2297% | 2,171 |
| Pretax return on assets | 1.5717% | 1,733 |
| Return on Equity (ROE) | 8.9396% | 2,913 |
| Retained earnings to average equity (ytd only) | 3.0536% | 3,866 |
| Net charge-offs to loans | 0.0838% | 1,637 |
| Credit loss provision to net charge-offs | 192.3077% | 1,360 |
| Earnings coverage of net charge-offs (x) | 31.5947% | 1,581 |
| Efficiency ratio | 59.5734% | 3,717 |
| Assets per employee ($millions) | 4.0007% | 3,901 |
| Cash dividends to net income (ytd only)* | 65.8419% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,967 |
| Loan loss allowance to noncurrent loans | 440.3046% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,964 |
| Noncurrent loans to loans | 0.2525% | 3,634 |
| Net loans and leases to total assets | 60.6385% | 3,625 |
| Net loans and leases to deposits | 74.3645% | 3,445 |
| Net loans and leases to core deposits | 85.8555% | 2,918 |
| Total domestic deposits to total assets | 81.5422% | 3,605 |
| Equity capital to assets | 13.9708% | 1,168 |
| Core capital (leverage) ratio | 12.9683% | 1,358 |
| Tier 1 risk-based capital ratio | 18.6907% | 1,642 |
| Total risk-based capital ratio | 19.6910% | 1,666 |
| Memoranda: | ||
| Average total assets | $626,580,000 | 1,188 |
| Average earning assets | $576,355,000 | 1,195 |
| Average equity | $86,191,500 | 1,017 |
| Average total loans | $392,974,250 | 1,296 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 2,792 |
| Cost of funding earning assets | 1.0431% | 1,522 |
| Net interest margin | 3.5192% | 3,534 |
| Noninterest income to average assets | 0.9342% | 994 |
| Noninterest expense to average assets | 2.4527% | 3,600 |
| Loan and lease loss provision to assets | 0.1043% | 1,797 |
| Net operating income to assets | 1.2623% | 1,906 |
| Return on assets (ROA) | 1.2640% | 1,967 |
| Pretax return on assets | 1.6147% | 1,501 |
| Return on Equity (ROE) | 9.2381% | 2,764 |
| Retained earnings to average equity (ytd only) | 0.3165% | 4,608 |
| Net charge-offs to loans | 0.0772% | 1,594 |
| Credit loss provision to net charge-offs | 213.8158% | 1,149 |
| Earnings coverage of net charge-offs (x) | 35.2039% | 1,333 |
| Efficiency ratio | 58.7412% | 3,901 |
| Assets per employee ($millions) | 4.0737% | 3,772 |
| Cash dividends to net income (ytd only)* | 96.5736% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,142 |
| Loan loss allowance to noncurrent loans | 249.8250% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 3,473 |
| Noncurrent loans to loans | 0.4345% | 2,975 |
| Net loans and leases to total assets | 61.7903% | 3,568 |
| Net loans and leases to deposits | 76.0778% | 3,325 |
| Net loans and leases to core deposits | 86.2612% | 2,939 |
| Total domestic deposits to total assets | 81.2198% | 3,746 |
| Equity capital to assets | 13.7737% | 1,209 |
| Core capital (leverage) ratio | 12.7594% | 1,420 |
| Tier 1 risk-based capital ratio | 18.1535% | 1,765 |
| Total risk-based capital ratio | 19.1351% | 1,787 |
| Memoranda: | ||
| Average total assets | $623,403,000 | 1,186 |
| Average earning assets | $573,090,670 | 1,201 |
| Average equity | $85,298,670 | 1,020 |
| Average total loans | $393,944,000 | 1,298 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 2,969 |
| Cost of funding earning assets | 1.0118% | 1,522 |
| Net interest margin | 3.4580% | 3,721 |
| Noninterest income to average assets | 0.9868% | 835 |
| Noninterest expense to average assets | 2.4295% | 3,685 |
| Loan and lease loss provision to assets | 0.1130% | 1,573 |
| Net operating income to assets | 1.2699% | 1,813 |
| Return on assets (ROA) | 1.2735% | 1,848 |
| Pretax return on assets | 1.6248% | 1,406 |
| Return on Equity (ROE) | 9.3390% | 2,653 |
| Retained earnings to average equity (ytd only) | 9.3390% | 1,211 |
| Net charge-offs to loans | 0.1199% | 1,025 |
| Credit loss provision to net charge-offs | 148.3051% | 1,252 |
| Earnings coverage of net charge-offs (x) | 22.7458% | 1,486 |
| Efficiency ratio | 58.2842% | 4,048 |
| Assets per employee ($millions) | 4.1303% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,384 |
| Loan loss allowance to noncurrent loans | 373.6323% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,615 |
| Noncurrent loans to loans | 0.2824% | 3,549 |
| Net loans and leases to total assets | 61.8170% | 3,521 |
| Net loans and leases to deposits | 75.4516% | 3,308 |
| Net loans and leases to core deposits | 85.7717% | 2,889 |
| Total domestic deposits to total assets | 81.9294% | 3,742 |
| Equity capital to assets | 13.6743% | 1,138 |
| Core capital (leverage) ratio | 13.3203% | 1,143 |
| Tier 1 risk-based capital ratio | 18.4644% | 1,669 |
| Total risk-based capital ratio | 19.4138% | 1,706 |
| Memoranda: | ||
| Average total assets | $619,394,500 | 1,195 |
| Average earning assets | $568,886,000 | 1,210 |
| Average equity | $84,463,000 | 1,023 |
| Average total loans | $393,697,000 | 1,296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 2,583 |
| Cost of funding earning assets | 0.9294% | 1,000 |
| Net interest margin | 3.5300% | 3,602 |
| Noninterest income to average assets | 0.9392% | 1,083 |
| Noninterest expense to average assets | 2.5802% | 3,395 |
| Loan and lease loss provision to assets | 0.1037% | 2,122 |
| Net operating income to assets | 1.1939% | 2,202 |
| Return on assets (ROA) | 1.1700% | 2,303 |
| Pretax return on assets | 1.4664% | 1,890 |
| Return on Equity (ROE) | 8.7827% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.6899% | 2,366 |
| Net charge-offs to loans | 0.0969% | 1,793 |
| Credit loss provision to net charge-offs | 169.3767% | 1,645 |
| Earnings coverage of net charge-offs (x) | 26.1301% | 1,738 |
| Efficiency ratio | 61.5418% | 3,616 |
| Assets per employee ($millions) | 3.7004% | 4,314 |
| Cash dividends to net income (ytd only)* | 35.2149% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,405 |
| Loan loss allowance to noncurrent loans | 199.2726% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 3,152 |
| Noncurrent loans to loans | 0.5252% | 2,696 |
| Net loans and leases to total assets | 64.0146% | 3,354 |
| Net loans and leases to deposits | 78.4704% | 3,111 |
| Net loans and leases to core deposits | 89.5589% | 2,609 |
| Total domestic deposits to total assets | 81.5781% | 3,769 |
| Equity capital to assets | 13.5969% | 1,109 |
| Core capital (leverage) ratio | 13.0873% | 1,211 |
| Tier 1 risk-based capital ratio | 18.1824% | 1,706 |
| Total risk-based capital ratio | 19.1276% | 1,749 |
| Memoranda: | ||
| Average total assets | $602,636,400 | 1,197 |
| Average earning assets | $553,288,200 | 1,211 |
| Average equity | $80,283,200 | 1,027 |
| Average total loans | $380,841,800 | 1,305 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,532 |
| Cost of funding earning assets | 0.9062% | 892 |
| Net interest margin | 3.5236% | 3,623 |
| Noninterest income to average assets | 0.9362% | 1,088 |
| Noninterest expense to average assets | 2.5009% | 3,597 |
| Loan and lease loss provision to assets | 0.0887% | 2,201 |
| Net operating income to assets | 1.2493% | 2,050 |
| Return on assets (ROA) | 1.2274% | 2,132 |
| Pretax return on assets | 1.5541% | 1,723 |
| Return on Equity (ROE) | 9.2616% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.4303% | 1,912 |
| Net charge-offs to loans | 0.0737% | 1,791 |
| Credit loss provision to net charge-offs | 191.3876% | 1,435 |
| Earnings coverage of net charge-offs (x) | 36.0622% | 1,435 |
| Efficiency ratio | 59.7418% | 3,848 |
| Assets per employee ($millions) | 3.8571% | 4,098 |
| Cash dividends to net income (ytd only)* | 19.7724% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,540 |
| Loan loss allowance to noncurrent loans | 368.9781% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,971 |
| Noncurrent loans to loans | 0.2816% | 3,678 |
| Net loans and leases to total assets | 64.0032% | 3,425 |
| Net loans and leases to deposits | 78.1075% | 3,226 |
| Net loans and leases to core deposits | 87.9029% | 2,849 |
| Total domestic deposits to total assets | 81.9424% | 3,627 |
| Equity capital to assets | 13.3726% | 1,179 |
| Core capital (leverage) ratio | 13.0219% | 1,273 |
| Tier 1 risk-based capital ratio | 18.2588% | 1,728 |
| Total risk-based capital ratio | 19.1945% | 1,767 |
| Memoranda: | ||
| Average total assets | $601,581,000 | 1,197 |
| Average earning assets | $552,339,250 | 1,214 |
| Average equity | $79,725,500 | 1,028 |
| Average total loans | $377,905,500 | 1,317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,507 |
| Cost of funding earning assets | 0.8830% | 782 |
| Net interest margin | 3.4881% | 3,669 |
| Noninterest income to average assets | 0.8817% | 1,236 |
| Noninterest expense to average assets | 2.4880% | 3,660 |
| Loan and lease loss provision to assets | 0.0831% | 2,249 |
| Net operating income to assets | 1.1995% | 2,202 |
| Return on assets (ROA) | 1.1677% | 2,321 |
| Pretax return on assets | 1.4752% | 1,909 |
| Return on Equity (ROE) | 8.8375% | 3,098 |
| Retained earnings to average equity (ytd only) | 6.0821% | 2,506 |
| Net charge-offs to loans | 0.0893% | 1,455 |
| Credit loss provision to net charge-offs | 149.7006% | 1,583 |
| Earnings coverage of net charge-offs (x) | 28.7904% | 1,546 |
| Efficiency ratio | 60.6216% | 3,831 |
| Assets per employee ($millions) | 3.7850% | 4,228 |
| Cash dividends to net income (ytd only)* | 31.1788% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,763 |
| Loan loss allowance to noncurrent loans | 490.7731% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,270 |
| Noncurrent loans to loans | 0.2060% | 3,985 |
| Net loans and leases to total assets | 63.2336% | 3,488 |
| Net loans and leases to deposits | 76.8407% | 3,266 |
| Net loans and leases to core deposits | 85.9735% | 2,926 |
| Total domestic deposits to total assets | 82.2917% | 3,633 |
| Equity capital to assets | 13.0606% | 1,268 |
| Core capital (leverage) ratio | 12.7842% | 1,320 |
| Tier 1 risk-based capital ratio | 17.6587% | 1,901 |
| Total risk-based capital ratio | 18.5628% | 1,949 |
| Memoranda: | ||
| Average total assets | $601,538,330 | 1,202 |
| Average earning assets | $552,685,000 | 1,215 |
| Average equity | $79,479,330 | 1,028 |
| Average total loans | $374,155,000 | 1,324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,559 |
| Cost of funding earning assets | 0.8593% | 731 |
| Net interest margin | 3.4312% | 3,771 |
| Noninterest income to average assets | 0.9076% | 1,131 |
| Noninterest expense to average assets | 2.4932% | 3,671 |
| Loan and lease loss provision to assets | 0.1673% | 1,062 |
| Net operating income to assets | 1.1087% | 2,389 |
| Return on assets (ROA) | 1.1097% | 2,397 |
| Pretax return on assets | 1.3996% | 2,004 |
| Return on Equity (ROE) | 8.3501% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.3501% | 1,710 |
| Net charge-offs to loans | 0.1146% | 1,095 |
| Credit loss provision to net charge-offs | 238.0952% | 941 |
| Earnings coverage of net charge-offs (x) | 22.2762% | 1,404 |
| Efficiency ratio | 61.1642% | 3,921 |
| Assets per employee ($millions) | 3.8311% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,404 |
| Loan loss allowance to noncurrent loans | 441.2804% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 4,261 |
| Noncurrent loans to loans | 0.2486% | 3,869 |
| Net loans and leases to total assets | 60.7098% | 3,678 |
| Net loans and leases to deposits | 74.0435% | 3,413 |
| Net loans and leases to core deposits | 83.5338% | 3,015 |
| Total domestic deposits to total assets | 81.9921% | 3,966 |
| Equity capital to assets | 13.3379% | 1,099 |
| Core capital (leverage) ratio | 12.8331% | 1,238 |
| Tier 1 risk-based capital ratio | 18.3677% | 1,726 |
| Total risk-based capital ratio | 19.3326% | 1,762 |
| Memoranda: | ||
| Average total assets | $597,616,500 | 1,216 |
| Average earning assets | $548,846,500 | 1,230 |
| Average equity | $79,424,500 | 1,039 |
| Average total loans | $366,597,500 | 1,352 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,486 |
| Cost of funding earning assets | 0.8059% | 594 |
| Net interest margin | 3.4461% | 3,702 |
| Noninterest income to average assets | 1.0087% | 1,003 |
| Noninterest expense to average assets | 2.5678% | 3,549 |
| Loan and lease loss provision to assets | 0.0461% | 3,316 |
| Net operating income to assets | 1.0097% | 2,199 |
| Return on assets (ROA) | 1.0149% | 2,210 |
| Pretax return on assets | 1.5665% | 1,398 |
| Return on Equity (ROE) | 7.6991% | 2,952 |
| Retained earnings to average equity (ytd only) | 4.7733% | 2,275 |
| Net charge-offs to loans | 0.1303% | 1,750 |
| Credit loss provision to net charge-offs | 58.2627% | 3,237 |
| Earnings coverage of net charge-offs (x) | 20.2818% | 1,973 |
| Efficiency ratio | 61.2702% | 4,061 |
| Assets per employee ($millions) | 3.7124% | 4,415 |
| Cash dividends to net income (ytd only)* | 38.0017% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,657 |
| Loan loss allowance to noncurrent loans | 268.3148% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,777 |
| Noncurrent loans to loans | 0.3895% | 3,363 |
| Net loans and leases to total assets | 60.6633% | 3,773 |
| Net loans and leases to deposits | 74.5962% | 3,464 |
| Net loans and leases to core deposits | 85.3265% | 2,957 |
| Total domestic deposits to total assets | 81.3222% | 4,046 |
| Equity capital to assets | 13.2431% | 1,150 |
| Core capital (leverage) ratio | 12.5794% | 1,320 |
| Tier 1 risk-based capital ratio | 17.8136% | 1,856 |
| Total risk-based capital ratio | 18.7354% | 1,899 |
| Memoranda: | ||
| Average total assets | $596,613,200 | 1,200 |
| Average earning assets | $547,718,200 | 1,211 |
| Average equity | $78,646,000 | 1,022 |
| Average total loans | $362,158,000 | 1,342 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,447 |
| Cost of funding earning assets | 0.7909% | 608 |
| Net interest margin | 3.4545% | 3,660 |
| Noninterest income to average assets | 1.0173% | 996 |
| Noninterest expense to average assets | 2.4981% | 3,744 |
| Loan and lease loss provision to assets | 0.0392% | 3,326 |
| Net operating income to assets | 1.1836% | 1,762 |
| Return on assets (ROA) | 1.1913% | 1,766 |
| Pretax return on assets | 1.6609% | 1,215 |
| Return on Equity (ROE) | 9.0479% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.6873% | 1,850 |
| Net charge-offs to loans | 0.0669% | 2,167 |
| Credit loss provision to net charge-offs | 96.6851% | 2,364 |
| Earnings coverage of net charge-offs (x) | 41.6791% | 1,259 |
| Efficiency ratio | 59.3850% | 4,310 |
| Assets per employee ($millions) | 3.7245% | 4,414 |
| Cash dividends to net income (ytd only)* | 26.0902% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,499 |
| Loan loss allowance to noncurrent loans | 241.2888% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 3,938 |
| Noncurrent loans to loans | 0.4544% | 3,342 |
| Net loans and leases to total assets | 60.8390% | 3,783 |
| Net loans and leases to deposits | 75.0124% | 3,470 |
| Net loans and leases to core deposits | 86.0509% | 2,962 |
| Total domestic deposits to total assets | 81.1052% | 4,019 |
| Equity capital to assets | 13.5387% | 1,139 |
| Core capital (leverage) ratio | 12.7743% | 1,306 |
| Tier 1 risk-based capital ratio | 17.9125% | 1,877 |
| Total risk-based capital ratio | 18.8833% | 1,907 |
| Memoranda: | ||
| Average total assets | $595,412,500 | 1,207 |
| Average earning assets | $546,403,000 | 1,221 |
| Average equity | $78,396,000 | 1,031 |
| Average total loans | $360,524,500 | 1,355 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,376 |
| Cost of funding earning assets | 0.7755% | 596 |
| Net interest margin | 3.4510% | 3,586 |
| Noninterest income to average assets | 1.0229% | 970 |
| Noninterest expense to average assets | 2.5050% | 3,732 |
| Loan and lease loss provision to assets | 0.0253% | 3,495 |
| Net operating income to assets | 1.1979% | 1,604 |
| Return on assets (ROA) | 1.2081% | 1,603 |
| Pretax return on assets | 1.6727% | 1,122 |
| Return on Equity (ROE) | 9.2633% | 2,384 |
| Retained earnings to average equity (ytd only) | 5.6798% | 2,309 |
| Net charge-offs to loans | 0.0654% | 1,994 |
| Credit loss provision to net charge-offs | 64.1026% | 2,428 |
| Earnings coverage of net charge-offs (x) | 42.7436% | 1,201 |
| Efficiency ratio | 59.5290% | 4,395 |
| Assets per employee ($millions) | 3.6249% | 4,541 |
| Cash dividends to net income (ytd only)* | 38.6845% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,640 |
| Loan loss allowance to noncurrent loans | 351.5789% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 4,412 |
| Noncurrent loans to loans | 0.3101% | 3,931 |
| Net loans and leases to total assets | 61.1676% | 3,727 |
| Net loans and leases to deposits | 75.5137% | 3,402 |
| Net loans and leases to core deposits | 87.0261% | 2,793 |
| Total domestic deposits to total assets | 81.0021% | 4,183 |
| Equity capital to assets | 13.3807% | 1,194 |
| Core capital (leverage) ratio | 12.3294% | 1,457 |
| Tier 1 risk-based capital ratio | 17.5442% | 1,994 |
| Total risk-based capital ratio | 18.5090% | 2,027 |
| Memoranda: | ||
| Average total assets | $594,004,330 | 1,212 |
| Average earning assets | $544,948,330 | 1,224 |
| Average equity | $77,467,000 | 1,043 |
| Average total loans | $357,747,000 | 1,365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,278 |
| Cost of funding earning assets | 0.7562% | 629 |
| Net interest margin | 3.4446% | 3,470 |
| Noninterest income to average assets | 1.1116% | 807 |
| Noninterest expense to average assets | 2.5781% | 3,564 |
| Loan and lease loss provision to assets | 0.0505% | 2,795 |
| Net operating income to assets | 1.2171% | 1,469 |
| Return on assets (ROA) | 1.2241% | 1,483 |
| Pretax return on assets | 1.6498% | 1,125 |
| Return on Equity (ROE) | 9.5097% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.5097% | 924 |
| Net charge-offs to loans | 0.1247% | 1,172 |
| Credit loss provision to net charge-offs | 68.1818% | 1,853 |
| Earnings coverage of net charge-offs (x) | 22.8182% | 1,407 |
| Efficiency ratio | 60.1231% | 4,439 |
| Assets per employee ($millions) | 3.7749% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,578 |
| Loan loss allowance to noncurrent loans | 427.1277% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 4,618 |
| Noncurrent loans to loans | 0.2624% | 4,171 |
| Net loans and leases to total assets | 59.7582% | 3,811 |
| Net loans and leases to deposits | 73.4334% | 3,459 |
| Net loans and leases to core deposits | 83.8941% | 2,908 |
| Total domestic deposits to total assets | 81.3774% | 4,327 |
| Equity capital to assets | 13.1464% | 1,203 |
| Core capital (leverage) ratio | 12.3810% | 1,402 |
| Tier 1 risk-based capital ratio | 17.6378% | 1,993 |
| Total risk-based capital ratio | 18.6149% | 2,024 |
| Memoranda: | ||
| Average total assets | $593,761,000 | 1,215 |
| Average earning assets | $544,265,000 | 1,227 |
| Average equity | $76,427,000 | 1,056 |
| Average total loans | $352,798,500 | 1,390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 2,625 |
| Cost of funding earning assets | 0.7537% | 622 |
| Net interest margin | 3.4068% | 3,805 |
| Noninterest income to average assets | 0.9790% | 1,203 |
| Noninterest expense to average assets | 2.4716% | 4,102 |
| Loan and lease loss provision to assets | 0.0294% | 3,767 |
| Net operating income to assets | 1.1265% | 1,790 |
| Return on assets (ROA) | 1.1589% | 1,747 |
| Pretax return on assets | 1.6477% | 1,143 |
| Return on Equity (ROE) | 8.7346% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.9379% | 2,385 |
| Net charge-offs to loans | 0.0621% | 2,820 |
| Credit loss provision to net charge-offs | 85.4271% | 2,887 |
| Earnings coverage of net charge-offs (x) | 47.4020% | 1,044 |
| Efficiency ratio | 59.9368% | 4,593 |
| Assets per employee ($millions) | 3.6720% | 4,516 |
| Cash dividends to net income (ytd only)* | 43.4666% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,333 |
| Loan loss allowance to noncurrent loans | 351.2576% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 4,546 |
| Noncurrent loans to loans | 0.3319% | 3,949 |
| Net loans and leases to total assets | 57.7224% | 4,096 |
| Net loans and leases to deposits | 72.9568% | 3,619 |
| Net loans and leases to core deposits | 83.2936% | 3,098 |
| Total domestic deposits to total assets | 79.1186% | 4,767 |
| Equity capital to assets | 12.5979% | 1,463 |
| Core capital (leverage) ratio | 12.2856% | 1,439 |
| Tier 1 risk-based capital ratio | 17.5111% | 2,005 |
| Total risk-based capital ratio | 18.5144% | 2,030 |
| Memoranda: | ||
| Average total assets | $578,456,600 | 1,206 |
| Average earning assets | $530,318,400 | 1,208 |
| Average equity | $76,752,600 | 1,034 |
| Average total loans | $320,285,200 | 1,447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,580 |
| Cost of funding earning assets | 0.7536% | 623 |
| Net interest margin | 3.4243% | 3,754 |
| Noninterest income to average assets | 0.9738% | 1,206 |
| Noninterest expense to average assets | 2.3899% | 4,309 |
| Loan and lease loss provision to assets | 0.0162% | 3,920 |
| Net operating income to assets | 1.1938% | 1,656 |
| Return on assets (ROA) | 1.2347% | 1,603 |
| Pretax return on assets | 1.7666% | 962 |
| Return on Equity (ROE) | 9.1856% | 2,407 |
| Retained earnings to average equity (ytd only) | 7.0407% | 1,612 |
| Net charge-offs to loans | 0.0447% | 2,753 |
| Credit loss provision to net charge-offs | 66.6667% | 2,837 |
| Earnings coverage of net charge-offs (x) | 70.7411% | 850 |
| Efficiency ratio | 57.7724% | 4,847 |
| Assets per employee ($millions) | 3.7035% | 4,465 |
| Cash dividends to net income (ytd only)* | 23.3503% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,929 |
| Loan loss allowance to noncurrent loans | 412.7551% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,764 |
| Noncurrent loans to loans | 0.3039% | 4,163 |
| Net loans and leases to total assets | 54.7723% | 4,423 |
| Net loans and leases to deposits | 67.9661% | 4,158 |
| Net loans and leases to core deposits | 76.8731% | 3,764 |
| Total domestic deposits to total assets | 80.5877% | 4,359 |
| Equity capital to assets | 13.7732% | 1,131 |
| Core capital (leverage) ratio | 12.5403% | 1,382 |
| Tier 1 risk-based capital ratio | 18.7302% | 1,726 |
| Total risk-based capital ratio | 19.7978% | 1,740 |
| Memoranda: | ||
| Average total assets | $574,356,000 | 1,218 |
| Average earning assets | $526,733,750 | 1,212 |
| Average equity | $77,205,750 | 1,034 |
| Average total loans | $313,502,250 | 1,474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 2,612 |
| Cost of funding earning assets | 0.7508% | 628 |
| Net interest margin | 3.4166% | 3,824 |
| Noninterest income to average assets | 0.9808% | 1,172 |
| Noninterest expense to average assets | 2.3759% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2022% | 1,591 |
| Return on assets (ROA) | 1.2591% | 1,513 |
| Pretax return on assets | 1.8172% | 848 |
| Return on Equity (ROE) | 9.4457% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.1879% | 2,024 |
| Net charge-offs to loans | 0.0322% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 99.2200% | 586 |
| Efficiency ratio | 57.4855% | 4,975 |
| Assets per employee ($millions) | 3.6594% | 4,506 |
| Cash dividends to net income (ytd only)* | 34.4904% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,956 |
| Loan loss allowance to noncurrent loans | 256.4609% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 4,361 |
| Noncurrent loans to loans | 0.4953% | 3,593 |
| Net loans and leases to total assets | 54.5066% | 4,460 |
| Net loans and leases to deposits | 67.8204% | 4,196 |
| Net loans and leases to core deposits | 76.4527% | 3,783 |
| Total domestic deposits to total assets | 80.3690% | 4,460 |
| Equity capital to assets | 13.7251% | 1,134 |
| Core capital (leverage) ratio | 12.2471% | 1,495 |
| Tier 1 risk-based capital ratio | 18.5671% | 1,783 |
| Total risk-based capital ratio | 19.6476% | 1,790 |
| Memoranda: | ||
| Average total assets | $571,989,670 | 1,225 |
| Average earning assets | $523,967,000 | 1,225 |
| Average equity | $76,246,000 | 1,044 |
| Average total loans | $310,496,000 | 1,485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,560 |
| Cost of funding earning assets | 0.7505% | 634 |
| Net interest margin | 3.4262% | 3,784 |
| Noninterest income to average assets | 1.0022% | 1,071 |
| Noninterest expense to average assets | 2.3731% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1908% | 1,590 |
| Return on assets (ROA) | 1.2889% | 1,366 |
| Pretax return on assets | 1.9113% | 675 |
| Return on Equity (ROE) | 9.8156% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.8156% | 892 |
| Net charge-offs to loans | 0.0443% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 74.0588% | 666 |
| Efficiency ratio | 57.0291% | 5,090 |
| Assets per employee ($millions) | 3.6058% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,917 |
| Loan loss allowance to noncurrent loans | 393.8656% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,814 |
| Noncurrent loans to loans | 0.3293% | 4,258 |
| Net loans and leases to total assets | 53.3518% | 4,511 |
| Net loans and leases to deposits | 65.7491% | 4,278 |
| Net loans and leases to core deposits | 73.8601% | 3,908 |
| Total domestic deposits to total assets | 81.1445% | 4,448 |
| Equity capital to assets | 13.2346% | 1,302 |
| Core capital (leverage) ratio | 12.2442% | 1,468 |
| Tier 1 risk-based capital ratio | 18.6574% | 1,808 |
| Total risk-based capital ratio | 19.7559% | 1,810 |
| Memoranda: | ||
| Average total assets | $570,722,000 | 1,233 |
| Average earning assets | $522,323,500 | 1,236 |
| Average equity | $74,942,000 | 1,064 |
| Average total loans | $307,152,500 | 1,493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,557 |
| Cost of funding earning assets | 0.7701% | 581 |
| Net interest margin | 3.4305% | 3,795 |
| Noninterest income to average assets | 1.0663% | 1,035 |
| Noninterest expense to average assets | 2.5765% | 4,004 |
| Loan and lease loss provision to assets | 0.0708% | 2,863 |
| Net operating income to assets | 1.0993% | 1,930 |
| Return on assets (ROA) | 1.1171% | 1,911 |
| Pretax return on assets | 1.5679% | 1,351 |
| Return on Equity (ROE) | 8.8385% | 2,531 |
| Retained earnings to average equity (ytd only) | 4.8191% | 2,552 |
| Net charge-offs to loans | 0.1721% | 1,655 |
| Credit loss provision to net charge-offs | 77.9727% | 2,986 |
| Earnings coverage of net charge-offs (x) | 17.7700% | 2,050 |
| Efficiency ratio | 61.1440% | 4,742 |
| Assets per employee ($millions) | 3.5063% | 4,828 |
| Cash dividends to net income (ytd only)* | 45.4762% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 2,673 |
| Loan loss allowance to noncurrent loans | 367.1467% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,809 |
| Noncurrent loans to loans | 0.3673% | 4,131 |
| Net loans and leases to total assets | 52.8558% | 4,619 |
| Net loans and leases to deposits | 65.4042% | 4,362 |
| Net loans and leases to core deposits | 73.4659% | 3,995 |
| Total domestic deposits to total assets | 80.8141% | 4,541 |
| Equity capital to assets | 13.0252% | 1,336 |
| Core capital (leverage) ratio | 12.0672% | 1,577 |
| Tier 1 risk-based capital ratio | 18.6470% | 1,791 |
| Total risk-based capital ratio | 19.7838% | 1,767 |
| Memoranda: | ||
| Average total assets | $564,946,000 | 1,211 |
| Average earning assets | $514,451,400 | 1,218 |
| Average equity | $71,403,600 | 1,063 |
| Average total loans | $298,098,400 | 1,473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,578 |
| Cost of funding earning assets | 0.7722% | 588 |
| Net interest margin | 3.4262% | 3,852 |
| Noninterest income to average assets | 0.9703% | 1,258 |
| Noninterest expense to average assets | 2.4663% | 4,294 |
| Loan and lease loss provision to assets | 0.0944% | 2,281 |
| Net operating income to assets | 1.1128% | 1,950 |
| Return on assets (ROA) | 1.1340% | 1,958 |
| Pretax return on assets | 1.5552% | 1,519 |
| Return on Equity (ROE) | 9.0414% | 2,552 |
| Retained earnings to average equity (ytd only) | 6.2252% | 2,103 |
| Net charge-offs to loans | 0.2159% | 1,210 |
| Credit loss provision to net charge-offs | 83.1601% | 2,565 |
| Earnings coverage of net charge-offs (x) | 14.2785% | 2,259 |
| Efficiency ratio | 59.9942% | 4,889 |
| Assets per employee ($millions) | 3.4832% | 4,819 |
| Cash dividends to net income (ytd only)* | 31.1486% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,641 |
| Loan loss allowance to noncurrent loans | 428.2292% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 5,062 |
| Noncurrent loans to loans | 0.3250% | 4,442 |
| Net loans and leases to total assets | 52.2670% | 4,729 |
| Net loans and leases to deposits | 64.7676% | 4,491 |
| Net loans and leases to core deposits | 72.5903% | 4,143 |
| Total domestic deposits to total assets | 80.6992% | 4,549 |
| Equity capital to assets | 13.1149% | 1,388 |
| Core capital (leverage) ratio | 12.1817% | 1,574 |
| Tier 1 risk-based capital ratio | 18.9297% | 1,790 |
| Total risk-based capital ratio | 20.0952% | 1,781 |
| Memoranda: | ||
| Average total assets | $565,052,750 | 1,216 |
| Average earning assets | $513,986,250 | 1,228 |
| Average equity | $70,872,000 | 1,083 |
| Average total loans | $297,008,000 | 1,490 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 2,604 |
| Cost of funding earning assets | 0.7705% | 587 |
| Net interest margin | 3.4134% | 3,862 |
| Noninterest income to average assets | 0.9577% | 1,285 |
| Noninterest expense to average assets | 2.4269% | 4,471 |
| Loan and lease loss provision to assets | 0.1057% | 2,064 |
| Net operating income to assets | 1.1132% | 1,896 |
| Return on assets (ROA) | 1.1338% | 1,908 |
| Pretax return on assets | 1.5577% | 1,462 |
| Return on Equity (ROE) | 9.1769% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.9078% | 2,915 |
| Net charge-offs to loans | 0.1828% | 1,361 |
| Credit loss provision to net charge-offs | 110.2941% | 1,920 |
| Earnings coverage of net charge-offs (x) | 17.0625% | 1,874 |
| Efficiency ratio | 59.3894% | 5,062 |
| Assets per employee ($millions) | 3.5675% | 4,685 |
| Cash dividends to net income (ytd only)* | 46.5196% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 2,655 |
| Loan loss allowance to noncurrent loans | 248.2353% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 4,480 |
| Noncurrent loans to loans | 0.5728% | 3,733 |
| Net loans and leases to total assets | 51.9062% | 4,762 |
| Net loans and leases to deposits | 64.6010% | 4,477 |
| Net loans and leases to core deposits | 72.6972% | 4,067 |
| Total domestic deposits to total assets | 80.3488% | 4,788 |
| Equity capital to assets | 12.3847% | 1,739 |
| Core capital (leverage) ratio | 11.6390% | 1,897 |
| Tier 1 risk-based capital ratio | 18.2230% | 2,002 |
| Total risk-based capital ratio | 19.4030% | 1,983 |
| Memoranda: | ||
| Average total assets | $567,635,670 | 1,213 |
| Average earning assets | $516,257,670 | 1,230 |
| Average equity | $70,132,670 | 1,099 |
| Average total loans | $297,545,000 | 1,491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,736 |
| Cost of funding earning assets | 0.7772% | 572 |
| Net interest margin | 3.3457% | 4,042 |
| Noninterest income to average assets | 0.8708% | 1,495 |
| Noninterest expense to average assets | 2.4276% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0740% | 1,955 |
| Return on assets (ROA) | 1.1018% | 1,970 |
| Pretax return on assets | 1.5259% | 1,475 |
| Return on Equity (ROE) | 8.9282% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9282% | 1,224 |
| Net charge-offs to loans | 0.0832% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 34.1613% | 1,066 |
| Efficiency ratio | 61.6323% | 4,858 |
| Assets per employee ($millions) | 3.6638% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,983 |
| Loan loss allowance to noncurrent loans | 371.4029% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,945 |
| Noncurrent loans to loans | 0.3731% | 4,472 |
| Net loans and leases to total assets | 51.0954% | 4,737 |
| Net loans and leases to deposits | 62.4280% | 4,532 |
| Net loans and leases to core deposits | 70.2400% | 4,127 |
| Total domestic deposits to total assets | 81.8470% | 4,553 |
| Equity capital to assets | 12.4497% | 1,723 |
| Core capital (leverage) ratio | 11.6216% | 1,912 |
| Tier 1 risk-based capital ratio | 18.1751% | 2,088 |
| Total risk-based capital ratio | 19.3298% | 2,066 |
| Memoranda: | ||
| Average total assets | $569,618,000 | 1,213 |
| Average earning assets | $518,277,000 | 1,231 |
| Average equity | $70,294,500 | 1,098 |
| Average total loans | $297,917,500 | 1,489 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,701 |
| Cost of funding earning assets | 0.8497% | 508 |
| Net interest margin | 3.4232% | 4,095 |
| Noninterest income to average assets | 0.9224% | 1,433 |
| Noninterest expense to average assets | 2.4283% | 4,764 |
| Loan and lease loss provision to assets | 0.0600% | 3,327 |
| Net operating income to assets | 1.0734% | 2,078 |
| Return on assets (ROA) | 1.1008% | 2,028 |
| Pretax return on assets | 1.5514% | 1,379 |
| Return on Equity (ROE) | 9.4718% | 2,354 |
| Retained earnings to average equity (ytd only) | 5.3973% | 2,330 |
| Net charge-offs to loans | 0.4305% | 985 |
| Credit loss provision to net charge-offs | 26.8215% | 3,888 |
| Earnings coverage of net charge-offs (x) | 7.0280% | 3,096 |
| Efficiency ratio | 60.2839% | 5,182 |
| Assets per employee ($millions) | 3.6865% | 4,556 |
| Cash dividends to net income (ytd only)* | 43.0176% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,915 |
| Loan loss allowance to noncurrent loans | 225.6189% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 4,106 |
| Noncurrent loans to loans | 0.6239% | 3,818 |
| Net loans and leases to total assets | 52.0555% | 4,776 |
| Net loans and leases to deposits | 64.4155% | 4,487 |
| Net loans and leases to core deposits | 73.0780% | 4,021 |
| Total domestic deposits to total assets | 80.8121% | 4,790 |
| Equity capital to assets | 12.2294% | 1,839 |
| Core capital (leverage) ratio | 11.4645% | 1,996 |
| Tier 1 risk-based capital ratio | 17.7036% | 2,235 |
| Total risk-based capital ratio | 18.8775% | 2,240 |
| Memoranda: | ||
| Average total assets | $558,123,600 | 1,192 |
| Average earning assets | $501,956,800 | 1,225 |
| Average equity | $64,866,200 | 1,132 |
| Average total loans | $290,098,800 | 1,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,729 |
| Cost of funding earning assets | 0.8558% | 527 |
| Net interest margin | 3.4187% | 4,155 |
| Noninterest income to average assets | 0.8616% | 1,656 |
| Noninterest expense to average assets | 2.3799% | 4,885 |
| Loan and lease loss provision to assets | 0.0802% | 2,745 |
| Net operating income to assets | 1.0770% | 2,126 |
| Return on assets (ROA) | 1.1155% | 2,036 |
| Pretax return on assets | 1.5219% | 1,576 |
| Return on Equity (ROE) | 9.7264% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.4327% | 2,150 |
| Net charge-offs to loans | 0.1721% | 2,074 |
| Credit loss provision to net charge-offs | 90.0538% | 2,431 |
| Earnings coverage of net charge-offs (x) | 17.3897% | 1,904 |
| Efficiency ratio | 60.1524% | 5,159 |
| Assets per employee ($millions) | 3.6561% | 4,564 |
| Cash dividends to net income (ytd only)* | 33.8629% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 1,992 |
| Loan loss allowance to noncurrent loans | 184.0595% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 3,751 |
| Noncurrent loans to loans | 0.9200% | 3,265 |
| Net loans and leases to total assets | 52.2656% | 4,779 |
| Net loans and leases to deposits | 64.3369% | 4,502 |
| Net loans and leases to core deposits | 72.3746% | 4,115 |
| Total domestic deposits to total assets | 81.2374% | 4,754 |
| Equity capital to assets | 11.9899% | 2,067 |
| Core capital (leverage) ratio | 11.4790% | 2,083 |
| Tier 1 risk-based capital ratio | 17.5478% | 2,382 |
| Total risk-based capital ratio | 18.7998% | 2,339 |
| Memoranda: | ||
| Average total assets | $556,647,750 | 1,204 |
| Average earning assets | $499,509,750 | 1,243 |
| Average equity | $63,838,500 | 1,156 |
| Average total loans | $288,173,750 | 1,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,578 |
| Cost of funding earning assets | 0.8625% | 525 |
| Net interest margin | 3.4386% | 4,020 |
| Noninterest income to average assets | 0.8317% | 1,729 |
| Noninterest expense to average assets | 2.3732% | 4,965 |
| Loan and lease loss provision to assets | 0.1064% | 2,244 |
| Net operating income to assets | 1.0392% | 2,168 |
| Return on assets (ROA) | 1.0853% | 2,051 |
| Pretax return on assets | 1.4910% | 1,567 |
| Return on Equity (ROE) | 9.6111% | 2,318 |
| Retained earnings to average equity (ytd only) | 4.5740% | 3,255 |
| Net charge-offs to loans | 0.3143% | 1,282 |
| Credit loss provision to net charge-offs | 65.9955% | 2,539 |
| Earnings coverage of net charge-offs (x) | 9.5168% | 2,350 |
| Efficiency ratio | 60.3194% | 5,246 |
| Assets per employee ($millions) | 3.6811% | 4,486 |
| Cash dividends to net income (ytd only)* | 52.4094% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,035 |
| Loan loss allowance to noncurrent loans | 225.2842% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 4,065 |
| Noncurrent loans to loans | 0.7682% | 3,784 |
| Net loans and leases to total assets | 50.2729% | 4,931 |
| Net loans and leases to deposits | 61.9039% | 4,699 |
| Net loans and leases to core deposits | 68.1020% | 4,452 |
| Total domestic deposits to total assets | 81.2112% | 4,914 |
| Equity capital to assets | 11.6938% | 2,246 |
| Core capital (leverage) ratio | 11.3047% | 2,154 |
| Tier 1 risk-based capital ratio | 17.7474% | 2,329 |
| Total risk-based capital ratio | 18.9997% | 2,300 |
| Memoranda: | ||
| Average total assets | $554,514,670 | 1,204 |
| Average earning assets | $496,016,670 | 1,244 |
| Average equity | $62,615,000 | 1,165 |
| Average total loans | $284,448,670 | 1,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,393 |
| Cost of funding earning assets | 0.8801% | 505 |
| Net interest margin | 3.4545% | 3,880 |
| Noninterest income to average assets | 0.8188% | 1,679 |
| Noninterest expense to average assets | 2.3811% | 4,982 |
| Loan and lease loss provision to assets | 0.0906% | 2,407 |
| Net operating income to assets | 1.0189% | 2,135 |
| Return on assets (ROA) | 1.0956% | 1,899 |
| Pretax return on assets | 1.5224% | 1,365 |
| Return on Equity (ROE) | 9.8811% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.8811% | 995 |
| Net charge-offs to loans | 0.3188% | 1,113 |
| Credit loss provision to net charge-offs | 55.3097% | 2,154 |
| Earnings coverage of net charge-offs (x) | 9.1991% | 1,957 |
| Efficiency ratio | 60.8201% | 5,289 |
| Assets per employee ($millions) | 3.7301% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,104 |
| Loan loss allowance to noncurrent loans | 477.5763% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 4,052 |
| Noncurrent loans to loans | 0.3727% | 5,009 |
| Net loans and leases to total assets | 50.3626% | 4,869 |
| Net loans and leases to deposits | 61.8274% | 4,568 |
| Net loans and leases to core deposits | 68.4534% | 4,262 |
| Total domestic deposits to total assets | 81.4568% | 5,109 |
| Equity capital to assets | 11.5343% | 2,217 |
| Core capital (leverage) ratio | 11.4451% | 2,010 |
| Tier 1 risk-based capital ratio | 17.9569% | 2,315 |
| Total risk-based capital ratio | 19.2096% | 2,294 |
| Memoranda: | ||
| Average total assets | $552,009,000 | 1,220 |
| Average earning assets | $490,377,000 | 1,268 |
| Average equity | $61,207,500 | 1,185 |
| Average total loans | $283,551,000 | 1,511 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 2,297 |
| Cost of funding earning assets | 0.9734% | 520 |
| Net interest margin | 3.5043% | 3,888 |
| Noninterest income to average assets | 0.8469% | 1,877 |
| Noninterest expense to average assets | 2.4516% | 4,926 |
| Loan and lease loss provision to assets | 0.2573% | 1,394 |
| Net operating income to assets | 0.9030% | 2,763 |
| Return on assets (ROA) | 0.9367% | 2,696 |
| Pretax return on assets | 1.3035% | 2,132 |
| Return on Equity (ROE) | 8.3628% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.8112% | 2,726 |
| Net charge-offs to loans | 0.3707% | 1,821 |
| Credit loss provision to net charge-offs | 132.5023% | 1,777 |
| Earnings coverage of net charge-offs (x) | 7.7978% | 2,783 |
| Efficiency ratio | 61.3562% | 5,308 |
| Assets per employee ($millions) | 3.7294% | 4,416 |
| Cash dividends to net income (ytd only)* | 42.4689% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 2,108 |
| Loan loss allowance to noncurrent loans | 343.1452% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 3,951 |
| Noncurrent loans to loans | 0.5204% | 4,690 |
| Net loans and leases to total assets | 50.5387% | 5,024 |
| Net loans and leases to deposits | 61.5173% | 4,773 |
| Net loans and leases to core deposits | 68.2161% | 4,493 |
| Total domestic deposits to total assets | 82.1536% | 4,819 |
| Equity capital to assets | 10.6479% | 2,978 |
| Core capital (leverage) ratio | 11.2336% | 2,167 |
| Tier 1 risk-based capital ratio | 17.1806% | 2,532 |
| Total risk-based capital ratio | 18.4333% | 2,507 |
| Memoranda: | ||
| Average total assets | $557,793,400 | 1,185 |
| Average earning assets | $496,420,600 | 1,226 |
| Average equity | $62,479,000 | 1,154 |
| Average total loans | $292,174,200 | 1,452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 2,236 |
| Cost of funding earning assets | 0.9906% | 516 |
| Net interest margin | 3.5072% | 3,851 |
| Noninterest income to average assets | 0.8528% | 1,922 |
| Noninterest expense to average assets | 2.4189% | 4,964 |
| Loan and lease loss provision to assets | 0.3176% | 1,059 |
| Net operating income to assets | 0.9063% | 2,805 |
| Return on assets (ROA) | 0.9483% | 2,708 |
| Pretax return on assets | 1.2979% | 2,337 |
| Return on Equity (ROE) | 8.3633% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.2109% | 2,280 |
| Net charge-offs to loans | 0.4457% | 1,440 |
| Credit loss provision to net charge-offs | 135.4379% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.6436% | 2,931 |
| Efficiency ratio | 60.3615% | 5,377 |
| Assets per employee ($millions) | 3.6551% | 4,550 |
| Cash dividends to net income (ytd only)* | 25.7366% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 2,402 |
| Loan loss allowance to noncurrent loans | 652.4297% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 4,256 |
| Noncurrent loans to loans | 0.2710% | 5,558 |
| Net loans and leases to total assets | 52.4052% | 4,824 |
| Net loans and leases to deposits | 64.2795% | 4,492 |
| Net loans and leases to core deposits | 71.4622% | 4,154 |
| Total domestic deposits to total assets | 81.5270% | 5,075 |
| Equity capital to assets | 11.2922% | 2,478 |
| Core capital (leverage) ratio | 11.4071% | 2,117 |
| Tier 1 risk-based capital ratio | 17.2468% | 2,610 |
| Total risk-based capital ratio | 18.4997% | 2,572 |
| Memoranda: | ||
| Average total assets | $558,320,000 | 1,198 |
| Average earning assets | $497,330,250 | 1,235 |
| Average equity | $63,306,500 | 1,148 |
| Average total loans | $293,732,000 | 1,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,312 |
| Cost of funding earning assets | 0.9976% | 549 |
| Net interest margin | 3.4716% | 3,916 |
| Noninterest income to average assets | 0.8374% | 2,036 |
| Noninterest expense to average assets | 2.4332% | 4,954 |
| Loan and lease loss provision to assets | 0.3475% | 963 |
| Net operating income to assets | 0.8472% | 3,061 |
| Return on assets (ROA) | 0.9090% | 2,881 |
| Pretax return on assets | 1.2395% | 2,525 |
| Return on Equity (ROE) | 8.0067% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.8152% | 3,174 |
| Net charge-offs to loans | 0.5896% | 1,121 |
| Credit loss provision to net charge-offs | 112.5144% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.8645% | 3,014 |
| Efficiency ratio | 61.3694% | 5,270 |
| Assets per employee ($millions) | 3.4561% | 4,945 |
| Cash dividends to net income (ytd only)* | 39.8596% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,010 |
| Loan loss allowance to noncurrent loans | 810.5000% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 4,191 |
| Noncurrent loans to loans | 0.2025% | 5,803 |
| Net loans and leases to total assets | 53.7114% | 4,632 |
| Net loans and leases to deposits | 65.7900% | 4,288 |
| Net loans and leases to core deposits | 72.3343% | 4,004 |
| Total domestic deposits to total assets | 81.6406% | 5,161 |
| Equity capital to assets | 11.0659% | 2,692 |
| Core capital (leverage) ratio | 10.7668% | 2,603 |
| Tier 1 risk-based capital ratio | 16.3434% | 3,012 |
| Total risk-based capital ratio | 17.5948% | 2,976 |
| Memoranda: | ||
| Average total assets | $564,107,330 | 1,188 |
| Average earning assets | $503,401,000 | 1,221 |
| Average equity | $64,046,670 | 1,140 |
| Average total loans | $295,445,330 | 1,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 2,439 |
| Cost of funding earning assets | 1.0003% | 609 |
| Net interest margin | 3.4246% | 4,031 |
| Noninterest income to average assets | 0.7710% | 2,253 |
| Noninterest expense to average assets | 2.4110% | 5,089 |
| Loan and lease loss provision to assets | 0.3653% | 882 |
| Net operating income to assets | 0.7874% | 3,234 |
| Return on assets (ROA) | 0.8934% | 2,833 |
| Pretax return on assets | 1.2038% | 2,558 |
| Return on Equity (ROE) | 7.7762% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.7762% | 1,833 |
| Net charge-offs to loans | 0.7322% | 834 |
| Credit loss provision to net charge-offs | 97.2222% | 1,913 |
| Earnings coverage of net charge-offs (x) | 3.7944% | 2,674 |
| Efficiency ratio | 62.3867% | 5,259 |
| Assets per employee ($millions) | 3.6166% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 3,383 |
| Loan loss allowance to noncurrent loans | 485.0563% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.8717% | 4,199 |
| Noncurrent loans to loans | 0.3305% | 5,575 |
| Net loans and leases to total assets | 50.8978% | 4,864 |
| Net loans and leases to deposits | 62.4076% | 4,487 |
| Net loans and leases to core deposits | 68.9549% | 4,186 |
| Total domestic deposits to total assets | 81.5570% | 5,337 |
| Equity capital to assets | 11.5753% | 2,351 |
| Core capital (leverage) ratio | 10.3968% | 2,910 |
| Tier 1 risk-based capital ratio | 16.2038% | 3,159 |
| Total risk-based capital ratio | 17.4548% | 3,101 |
| Memoranda: | ||
| Average total assets | $574,859,000 | 1,179 |
| Average earning assets | $514,625,500 | 1,209 |
| Average equity | $66,048,000 | 1,113 |
| Average total loans | $295,016,500 | 1,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,367 |
| Cost of funding earning assets | 1.3297% | 329 |
| Net interest margin | 3.1765% | 5,625 |
| Noninterest income to average assets | 0.5061% | 3,858 |
| Noninterest expense to average assets | 2.4363% | 5,299 |
| Loan and lease loss provision to assets | 0.3646% | 1,808 |
| Net operating income to assets | 0.3939% | 5,123 |
| Return on assets (ROA) | 0.6573% | 4,223 |
| Pretax return on assets | 0.8898% | 3,959 |
| Return on Equity (ROE) | 5.8521% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.4814% | 4,482 |
| Net charge-offs to loans | 0.7543% | 1,553 |
| Credit loss provision to net charge-offs | 93.4455% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.3025% | 4,265 |
| Efficiency ratio | 72.4479% | 3,332 |
| Assets per employee ($millions) | 3.6371% | 4,693 |
| Cash dividends to net income (ytd only)* | 57.5973% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 3,245 |
| Loan loss allowance to noncurrent loans | 192.2362% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.0905% | 3,835 |
| Noncurrent loans to loans | 0.8399% | 4,510 |
| Net loans and leases to total assets | 50.0953% | 5,155 |
| Net loans and leases to deposits | 61.3092% | 4,864 |
| Net loans and leases to core deposits | 68.0756% | 4,523 |
| Total domestic deposits to total assets | 81.7092% | 5,191 |
| Equity capital to assets | 11.4046% | 2,531 |
| Core capital (leverage) ratio | 10.1944% | 3,151 |
| Tier 1 risk-based capital ratio | 15.9775% | 3,177 |
| Total risk-based capital ratio | 17.2278% | 3,129 |
| Memoranda: | ||
| Average total assets | $578,698,200 | 1,146 |
| Average earning assets | $515,319,400 | 1,177 |
| Average equity | $65,002,400 | 1,090 |
| Average total loans | $299,341,200 | 1,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 3,489 |
| Cost of funding earning assets | 1.4139% | 282 |
| Net interest margin | 3.1226% | 5,890 |
| Noninterest income to average assets | 0.4478% | 4,311 |
| Noninterest expense to average assets | 2.4171% | 5,349 |
| Loan and lease loss provision to assets | 0.3905% | 1,649 |
| Net operating income to assets | 0.3065% | 5,592 |
| Return on assets (ROA) | 0.6240% | 4,527 |
| Pretax return on assets | 0.8482% | 4,308 |
| Return on Equity (ROE) | 5.5769% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.7736% | 4,241 |
| Net charge-offs to loans | 0.8504% | 1,295 |
| Credit loss provision to net charge-offs | 88.4194% | 3,350 |
| Earnings coverage of net charge-offs (x) | 1.8331% | 4,347 |
| Efficiency ratio | 74.2843% | 2,937 |
| Assets per employee ($millions) | 3.5400% | 4,877 |
| Cash dividends to net income (ytd only)* | 32.3366% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,656 |
| Loan loss allowance to noncurrent loans | 194.0299% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3377% | 3,624 |
| Noncurrent loans to loans | 0.8085% | 4,794 |
| Net loans and leases to total assets | 53.5182% | 4,819 |
| Net loans and leases to deposits | 66.3549% | 4,427 |
| Net loans and leases to core deposits | 74.3181% | 3,938 |
| Total domestic deposits to total assets | 80.6544% | 5,468 |
| Equity capital to assets | 12.1357% | 2,160 |
| Core capital (leverage) ratio | 10.0394% | 3,493 |
| Tier 1 risk-based capital ratio | 16.2226% | 3,151 |
| Total risk-based capital ratio | 17.4738% | 3,116 |
| Memoranda: | ||
| Average total assets | $578,799,750 | 1,157 |
| Average earning assets | $515,074,500 | 1,192 |
| Average equity | $64,765,000 | 1,100 |
| Average total loans | $300,563,750 | 1,408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 3,770 |
| Cost of funding earning assets | 1.4408% | 300 |
| Net interest margin | 3.0576% | 6,110 |
| Noninterest income to average assets | 0.2799% | 5,571 |
| Noninterest expense to average assets | 2.2791% | 5,801 |
| Loan and lease loss provision to assets | 0.3668% | 1,788 |
| Net operating income to assets | 0.2677% | 5,712 |
| Return on assets (ROA) | 0.5818% | 4,714 |
| Pretax return on assets | 0.7676% | 4,581 |
| Return on Equity (ROE) | 5.3400% | 4,651 |
| Retained earnings to average equity (ytd only) | 2.6092% | 4,878 |
| Net charge-offs to loans | 0.7534% | 1,462 |
| Credit loss provision to net charge-offs | 95.1542% | 2,901 |
| Earnings coverage of net charge-offs (x) | 1.8705% | 4,040 |
| Efficiency ratio | 75.2972% | 2,850 |
| Assets per employee ($millions) | 3.7089% | 4,502 |
| Cash dividends to net income (ytd only)* | 51.1384% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,552 |
| Loan loss allowance to noncurrent loans | 223.3641% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 3,460 |
| Noncurrent loans to loans | 0.7230% | 5,061 |
| Net loans and leases to total assets | 50.3909% | 5,304 |
| Net loans and leases to deposits | 64.7479% | 4,670 |
| Net loans and leases to core deposits | 72.4755% | 4,245 |
| Total domestic deposits to total assets | 77.8262% | 6,186 |
| Equity capital to assets | 11.0751% | 3,041 |
| Core capital (leverage) ratio | 9.8358% | 3,670 |
| Tier 1 risk-based capital ratio | 15.3387% | 3,547 |
| Total risk-based capital ratio | 16.5897% | 3,506 |
| Memoranda: | ||
| Average total assets | $588,835,000 | 1,139 |
| Average earning assets | $523,881,330 | 1,172 |
| Average equity | $64,157,330 | 1,103 |
| Average total loans | $301,308,000 | 1,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 3,793 |
| Cost of funding earning assets | 1.4844% | 310 |
| Net interest margin | 3.0467% | 6,191 |
| Noninterest income to average assets | 0.4093% | 4,603 |
| Noninterest expense to average assets | 2.2621% | 5,873 |
| Loan and lease loss provision to assets | 0.4168% | 1,512 |
| Net operating income to assets | 0.3297% | 5,553 |
| Return on assets (ROA) | 0.6113% | 4,508 |
| Pretax return on assets | 0.8125% | 4,364 |
| Return on Equity (ROE) | 5.6565% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.6565% | 3,166 |
| Net charge-offs to loans | 1.1713% | 876 |
| Credit loss provision to net charge-offs | 69.5701% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.4253% | 3,610 |
| Efficiency ratio | 71.9661% | 3,452 |
| Assets per employee ($millions) | 3.8129% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,856 |
| Loan loss allowance to noncurrent loans | 221.4627% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 3,452 |
| Noncurrent loans to loans | 0.7083% | 5,250 |
| Net loans and leases to total assets | 49.5082% | 5,369 |
| Net loans and leases to deposits | 62.9312% | 4,778 |
| Net loans and leases to core deposits | 71.0405% | 4,287 |
| Total domestic deposits to total assets | 78.6703% | 6,153 |
| Equity capital to assets | 10.9345% | 2,986 |
| Core capital (leverage) ratio | 9.5708% | 3,955 |
| Tier 1 risk-based capital ratio | 15.3456% | 3,528 |
| Total risk-based capital ratio | 16.5958% | 3,491 |
| Memoranda: | ||
| Average total assets | $590,249,000 | 1,135 |
| Average earning assets | $524,372,000 | 1,168 |
| Average equity | $63,785,500 | 1,103 |
| Average total loans | $301,891,500 | 1,410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 3,538 |
| Cost of funding earning assets | 1.7585% | 251 |
| Net interest margin | 3.1027% | 6,339 |
| Noninterest income to average assets | 0.7558% | 2,306 |
| Noninterest expense to average assets | 2.3741% | 5,842 |
| Loan and lease loss provision to assets | 0.7017% | 1,457 |
| Net operating income to assets | 0.3490% | 5,072 |
| Return on assets (ROA) | 0.4004% | 5,036 |
| Pretax return on assets | 0.4744% | 5,062 |
| Return on Equity (ROE) | 3.8433% | 4,929 |
| Retained earnings to average equity (ytd only) | 1.6042% | 5,068 |
| Net charge-offs to loans | 0.9153% | 1,898 |
| Credit loss provision to net charge-offs | 141.7418% | 2,057 |
| Earnings coverage of net charge-offs (x) | 2.2523% | 4,100 |
| Efficiency ratio | 67.3706% | 4,497 |
| Assets per employee ($millions) | 3.8278% | 4,255 |
| Cash dividends to net income (ytd only)* | 58.2583% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,628 |
| Loan loss allowance to noncurrent loans | 174.3863% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 2,913 |
| Noncurrent loans to loans | 0.9113% | 4,865 |
| Net loans and leases to total assets | 51.1608% | 5,445 |
| Net loans and leases to deposits | 64.9175% | 4,888 |
| Net loans and leases to core deposits | 73.1813% | 4,352 |
| Total domestic deposits to total assets | 78.8090% | 6,034 |
| Equity capital to assets | 10.6799% | 3,325 |
| Core capital (leverage) ratio | 9.4332% | 4,137 |
| Tier 1 risk-based capital ratio | 14.5119% | 3,966 |
| Total risk-based capital ratio | 15.7604% | 3,942 |
| Memoranda: | ||
| Average total assets | $582,193,000 | 1,130 |
| Average earning assets | $512,874,200 | 1,173 |
| Average equity | $60,651,400 | 1,113 |
| Average total loans | $314,875,800 | 1,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 3,334 |
| Cost of funding earning assets | 1.7922% | 267 |
| Net interest margin | 3.1564% | 6,267 |
| Noninterest income to average assets | 0.8109% | 2,001 |
| Noninterest expense to average assets | 2.3743% | 5,833 |
| Loan and lease loss provision to assets | 0.8457% | 1,081 |
| Net operating income to assets | 0.3284% | 5,299 |
| Return on assets (ROA) | 0.3719% | 5,307 |
| Pretax return on assets | 0.4174% | 5,416 |
| Return on Equity (ROE) | 3.5926% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.5366% | 4,847 |
| Net charge-offs to loans | 1.0174% | 1,579 |
| Credit loss provision to net charge-offs | 152.1739% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2.1851% | 4,035 |
| Efficiency ratio | 65.5082% | 4,806 |
| Assets per employee ($millions) | 3.8065% | 4,294 |
| Cash dividends to net income (ytd only)* | 29.3937% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,596 |
| Loan loss allowance to noncurrent loans | 148.1924% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 2.5287% | 2,548 |
| Noncurrent loans to loans | 1.0886% | 4,734 |
| Net loans and leases to total assets | 51.6024% | 5,497 |
| Net loans and leases to deposits | 67.1503% | 4,746 |
| Net loans and leases to core deposits | 76.0971% | 4,185 |
| Total domestic deposits to total assets | 76.8462% | 6,401 |
| Equity capital to assets | 10.8725% | 3,271 |
| Core capital (leverage) ratio | 9.5985% | 3,996 |
| Tier 1 risk-based capital ratio | 14.4519% | 4,010 |
| Total risk-based capital ratio | 15.7024% | 3,980 |
| Memoranda: | ||
| Average total assets | $579,413,250 | 1,144 |
| Average earning assets | $509,890,250 | 1,187 |
| Average equity | $59,973,000 | 1,129 |
| Average total loans | $316,483,500 | 1,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 3,162 |
| Cost of funding earning assets | 1.8158% | 288 |
| Net interest margin | 3.1835% | 6,213 |
| Noninterest income to average assets | 0.7686% | 2,165 |
| Noninterest expense to average assets | 2.3838% | 5,891 |
| Loan and lease loss provision to assets | 1.0604% | 791 |
| Net operating income to assets | 0.1202% | 5,966 |
| Return on assets (ROA) | 0.1691% | 5,932 |
| Pretax return on assets | 0.1767% | 5,970 |
| Return on Equity (ROE) | 1.6621% | 5,899 |
| Retained earnings to average equity (ytd only) | 0.0443% | 5,816 |
| Net charge-offs to loans | 1.1969% | 1,307 |
| Credit loss provision to net charge-offs | 160.0418% | 1,897 |
| Earnings coverage of net charge-offs (x) | 1.7903% | 3,973 |
| Efficiency ratio | 66.1134% | 4,854 |
| Assets per employee ($millions) | 3.7168% | 4,397 |
| Cash dividends to net income (ytd only)* | 97.3361% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,895 |
| Loan loss allowance to noncurrent loans | 100.8741% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.6698% | 2,502 |
| Noncurrent loans to loans | 1.5391% | 4,101 |
| Net loans and leases to total assets | 52.6689% | 5,478 |
| Net loans and leases to deposits | 68.0550% | 4,700 |
| Net loans and leases to core deposits | 77.3116% | 4,148 |
| Total domestic deposits to total assets | 77.3916% | 6,397 |
| Equity capital to assets | 10.4466% | 3,579 |
| Core capital (leverage) ratio | 9.5399% | 3,893 |
| Tier 1 risk-based capital ratio | 14.0435% | 4,144 |
| Total risk-based capital ratio | 15.2936% | 4,112 |
| Memoranda: | ||
| Average total assets | $577,152,000 | 1,158 |
| Average earning assets | $507,872,670 | 1,200 |
| Average equity | $58,719,330 | 1,140 |
| Average total loans | $319,494,000 | 1,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 2,784 |
| Cost of funding earning assets | 1.8583% | 304 |
| Net interest margin | 3.2103% | 6,036 |
| Noninterest income to average assets | 0.9541% | 1,453 |
| Noninterest expense to average assets | 2.3967% | 5,891 |
| Loan and lease loss provision to assets | 0.7422% | 1,142 |
| Net operating income to assets | 0.4971% | 4,499 |
| Return on assets (ROA) | 0.5352% | 4,415 |
| Pretax return on assets | 0.6927% | 4,331 |
| Return on Equity (ROE) | 5.3334% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.3334% | 2,980 |
| Net charge-offs to loans | 1.0200% | 1,337 |
| Credit loss provision to net charge-offs | 129.2476% | 2,140 |
| Earnings coverage of net charge-offs (x) | 2.4126% | 3,112 |
| Efficiency ratio | 62.7418% | 5,561 |
| Assets per employee ($millions) | 3.7586% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,492 |
| Loan loss allowance to noncurrent loans | 51.3288% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.0908% | 2,228 |
| Noncurrent loans to loans | 2.3922% | 3,097 |
| Net loans and leases to total assets | 55.4770% | 5,082 |
| Net loans and leases to deposits | 72.4403% | 3,994 |
| Net loans and leases to core deposits | 83.1770% | 3,285 |
| Total domestic deposits to total assets | 76.5831% | 6,594 |
| Equity capital to assets | 10.2731% | 3,438 |
| Core capital (leverage) ratio | 9.7633% | 3,426 |
| Tier 1 risk-based capital ratio | 14.0322% | 4,053 |
| Total risk-based capital ratio | 15.0470% | 4,195 |
| Memoranda: | ||
| Average total assets | $573,962,000 | 1,173 |
| Average earning assets | $505,627,000 | 1,212 |
| Average equity | $57,599,500 | 1,149 |
| Average total loans | $323,147,500 | 1,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 3,189 |
| Cost of funding earning assets | 2.1109% | 411 |
| Net interest margin | 3.1769% | 6,325 |
| Noninterest income to average assets | 0.6175% | 3,360 |
| Noninterest expense to average assets | 2.4897% | 5,843 |
| Loan and lease loss provision to assets | 0.7370% | 2,227 |
| Net operating income to assets | 0.1735% | 5,368 |
| Return on assets (ROA) | 0.5230% | 4,143 |
| Pretax return on assets | 0.5851% | 4,372 |
| Return on Equity (ROE) | 4.9750% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.1032% | 4,410 |
| Net charge-offs to loans | 1.1911% | 1,872 |
| Credit loss provision to net charge-offs | 104.9261% | 4,279 |
| Earnings coverage of net charge-offs (x) | 1.3232% | 4,784 |
| Efficiency ratio | 72.0083% | 3,794 |
| Assets per employee ($millions) | 3.4947% | 4,942 |
| Cash dividends to net income (ytd only)* | 57.7241% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,795 |
| Loan loss allowance to noncurrent loans | 35.8813% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.3325% | 2,117 |
| Noncurrent loans to loans | 3.1680% | 2,399 |
| Net loans and leases to total assets | 55.7930% | 5,374 |
| Net loans and leases to deposits | 73.1005% | 4,344 |
| Net loans and leases to core deposits | 83.9245% | 3,601 |
| Total domestic deposits to total assets | 76.3237% | 6,592 |
| Equity capital to assets | 9.8000% | 3,999 |
| Core capital (leverage) ratio | 9.4148% | 3,823 |
| Tier 1 risk-based capital ratio | 13.7062% | 4,058 |
| Total risk-based capital ratio | 14.6506% | 4,249 |
| Memoranda: | ||
| Average total assets | $578,021,800 | 1,165 |
| Average earning assets | $509,736,600 | 1,206 |
| Average equity | $60,763,400 | 1,097 |
| Average total loans | $340,868,600 | 1,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 3,183 |
| Cost of funding earning assets | 2.1428% | 460 |
| Net interest margin | 3.1928% | 6,367 |
| Noninterest income to average assets | 0.5717% | 3,639 |
| Noninterest expense to average assets | 2.4786% | 5,791 |
| Loan and lease loss provision to assets | 0.5867% | 2,588 |
| Net operating income to assets | 0.2638% | 5,305 |
| Return on assets (ROA) | 0.6455% | 3,839 |
| Pretax return on assets | 0.7942% | 3,931 |
| Return on Equity (ROE) | 6.0382% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.2742% | 3,486 |
| Net charge-offs to loans | 0.6989% | 2,668 |
| Credit loss provision to net charge-offs | 140.8412% | 2,815 |
| Earnings coverage of net charge-offs (x) | 2.1837% | 4,090 |
| Efficiency ratio | 72.3364% | 3,638 |
| Assets per employee ($millions) | 3.7558% | 4,379 |
| Cash dividends to net income (ytd only)* | 29.2143% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,171 |
| Loan loss allowance to noncurrent loans | 31.1224% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 3.8434% | 1,841 |
| Noncurrent loans to loans | 4.0429% | 1,845 |
| Net loans and leases to total assets | 57.4875% | 5,336 |
| Net loans and leases to deposits | 76.3150% | 4,125 |
| Net loans and leases to core deposits | 88.7659% | 3,273 |
| Total domestic deposits to total assets | 75.3292% | 6,767 |
| Equity capital to assets | 10.9803% | 2,983 |
| Core capital (leverage) ratio | 9.5054% | 3,893 |
| Tier 1 risk-based capital ratio | 13.6534% | 4,078 |
| Total risk-based capital ratio | 14.7179% | 4,174 |
| Memoranda: | ||
| Average total assets | $578,371,250 | 1,170 |
| Average earning assets | $510,220,750 | 1,216 |
| Average equity | $61,827,000 | 1,087 |
| Average total loans | $344,732,000 | 1,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 3,229 |
| Cost of funding earning assets | 2.1451% | 562 |
| Net interest margin | 3.2020% | 6,314 |
| Noninterest income to average assets | 0.7417% | 2,445 |
| Noninterest expense to average assets | 2.4704% | 5,832 |
| Loan and lease loss provision to assets | 0.4945% | 2,823 |
| Net operating income to assets | 0.4910% | 4,371 |
| Return on assets (ROA) | 0.6560% | 3,756 |
| Pretax return on assets | 0.8016% | 3,874 |
| Return on Equity (ROE) | 6.1926% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.5223% | 3,867 |
| Net charge-offs to loans | 0.7933% | 2,266 |
| Credit loss provision to net charge-offs | 103.7736% | 3,931 |
| Earnings coverage of net charge-offs (x) | 2.2975% | 3,853 |
| Efficiency ratio | 68.5160% | 4,473 |
| Assets per employee ($millions) | 3.3388% | 5,332 |
| Cash dividends to net income (ytd only)* | 43.1207% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,275 |
| Loan loss allowance to noncurrent loans | 28.5910% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 3.5799% | 1,962 |
| Noncurrent loans to loans | 3.5975% | 2,193 |
| Net loans and leases to total assets | 58.8149% | 5,281 |
| Net loans and leases to deposits | 77.7719% | 4,026 |
| Net loans and leases to core deposits | 90.2531% | 3,215 |
| Total domestic deposits to total assets | 75.6249% | 6,760 |
| Equity capital to assets | 10.7762% | 3,097 |
| Core capital (leverage) ratio | 9.3578% | 4,029 |
| Tier 1 risk-based capital ratio | 13.2057% | 4,285 |
| Total risk-based capital ratio | 14.0838% | 4,537 |
| Memoranda: | ||
| Average total assets | $578,364,330 | 1,174 |
| Average earning assets | $510,000,670 | 1,216 |
| Average equity | $61,266,330 | 1,088 |
| Average total loans | $347,396,000 | 1,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 3,543 |
| Cost of funding earning assets | 2.1339% | 728 |
| Net interest margin | 3.1678% | 6,391 |
| Noninterest income to average assets | 0.7937% | 2,051 |
| Noninterest expense to average assets | 2.4732% | 5,831 |
| Loan and lease loss provision to assets | 0.5649% | 2,239 |
| Net operating income to assets | 0.4252% | 4,735 |
| Return on assets (ROA) | 0.7382% | 3,370 |
| Pretax return on assets | 0.9455% | 3,285 |
| Return on Equity (ROE) | 7.0301% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.0301% | 2,119 |
| Net charge-offs to loans | 0.8368% | 1,858 |
| Credit loss provision to net charge-offs | 111.7970% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.1948% | 3,440 |
| Efficiency ratio | 68.2663% | 4,668 |
| Assets per employee ($millions) | 3.6767% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,351 |
| Loan loss allowance to noncurrent loans | 41.5672% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.1298% | 2,285 |
| Noncurrent loans to loans | 2.4608% | 3,208 |
| Net loans and leases to total assets | 59.3546% | 5,230 |
| Net loans and leases to deposits | 77.7828% | 4,086 |
| Net loans and leases to core deposits | 89.8968% | 3,376 |
| Total domestic deposits to total assets | 76.3082% | 6,702 |
| Equity capital to assets | 10.4307% | 3,316 |
| Core capital (leverage) ratio | 9.4949% | 3,782 |
| Tier 1 risk-based capital ratio | 12.9491% | 4,375 |
| Total risk-based capital ratio | 13.8193% | 4,644 |
| Memoranda: | ||
| Average total assets | $577,067,500 | 1,205 |
| Average earning assets | $507,980,000 | 1,253 |
| Average equity | $60,597,000 | 1,100 |
| Average total loans | $348,473,500 | 1,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 2,509 |
| Cost of funding earning assets | 2.4490% | 1,160 |
| Net interest margin | 3.3857% | 5,423 |
| Noninterest income to average assets | 0.6900% | 3,037 |
| Noninterest expense to average assets | 3.2036% | 3,368 |
| Loan and lease loss provision to assets | 0.5150% | 3,800 |
| Net operating income to assets | -0.0418% | 5,570 |
| Return on assets (ROA) | 0.1822% | 5,025 |
| Pretax return on assets | 0.2076% | 4,987 |
| Return on Equity (ROE) | 1.6547% | 5,034 |
| Retained earnings to average equity (ytd only) | -1.7135% | 5,439 |
| Net charge-offs to loans | 0.5828% | 3,470 |
| Credit loss provision to net charge-offs | 140.1274% | 3,475 |
| Earnings coverage of net charge-offs (x) | 1.2734% | 4,852 |
| Efficiency ratio | 86.3168% | 2,075 |
| Assets per employee ($millions) | 3.4728% | 5,075 |
| Cash dividends to net income (ytd only)* | 203.5573% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,322 |
| Loan loss allowance to noncurrent loans | 31.2132% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 3.5849% | 1,865 |
| Noncurrent loans to loans | 3.2364% | 2,356 |
| Net loans and leases to total assets | 60.2026% | 5,305 |
| Net loans and leases to deposits | 81.0737% | 3,781 |
| Net loans and leases to core deposits | 113.2891% | 2,567 |
| Total domestic deposits to total assets | 74.2566% | 6,984 |
| Equity capital to assets | 10.5729% | 3,105 |
| Core capital (leverage) ratio | 9.5968% | 3,602 |
| Tier 1 risk-based capital ratio | 12.9331% | 4,186 |
| Total risk-based capital ratio | 13.7992% | 4,425 |
| Memoranda: | ||
| Average total assets | $555,351,800 | 1,252 |
| Average earning assets | $489,062,000 | 1,291 |
| Average equity | $61,160,200 | 1,084 |
| Average total loans | $350,184,000 | 1,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9108% | 2,401 |
| Cost of funding earning assets | 2.5155% | 1,248 |
| Net interest margin | 3.3953% | 5,285 |
| Noninterest income to average assets | 0.7918% | 2,474 |
| Noninterest expense to average assets | 3.3801% | 2,633 |
| Loan and lease loss provision to assets | 0.5304% | 3,262 |
| Net operating income to assets | -0.1020% | 5,893 |
| Return on assets (ROA) | 0.0205% | 5,719 |
| Pretax return on assets | 0.0007% | 5,704 |
| Return on Equity (ROE) | 0.1846% | 5,716 |
| Retained earnings to average equity (ytd only) | -2.4952% | 5,820 |
| Net charge-offs to loans | 0.3144% | 4,075 |
| Credit loss provision to net charge-offs | 265.0966% | 1,601 |
| Earnings coverage of net charge-offs (x) | 2.0423% | 4,289 |
| Efficiency ratio | 88.2972% | 1,838 |
| Assets per employee ($millions) | 3.2389% | 5,547 |
| Cash dividends to net income (ytd only)* | 1,451.7692% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,401 |
| Loan loss allowance to noncurrent loans | 38.8948% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 3.3109% | 2,038 |
| Noncurrent loans to loans | 2.9632% | 2,553 |
| Net loans and leases to total assets | 63.7888% | 4,907 |
| Net loans and leases to deposits | 87.8460% | 2,993 |
| Net loans and leases to core deposits | 126.1234% | 1,719 |
| Total domestic deposits to total assets | 72.6144% | 7,134 |
| Equity capital to assets | 11.4357% | 2,645 |
| Core capital (leverage) ratio | 9.6933% | 3,652 |
| Tier 1 risk-based capital ratio | 12.9746% | 4,208 |
| Total risk-based capital ratio | 13.9825% | 4,316 |
| Memoranda: | ||
| Average total assets | $551,806,750 | 1,266 |
| Average earning assets | $487,051,000 | 1,309 |
| Average equity | $61,396,250 | 1,098 |
| Average total loans | $351,137,000 | 1,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9513% | 2,384 |
| Cost of funding earning assets | 2.5717% | 1,371 |
| Net interest margin | 3.3795% | 5,252 |
| Noninterest income to average assets | 0.7371% | 2,780 |
| Noninterest expense to average assets | 3.7171% | 1,800 |
| Loan and lease loss provision to assets | 0.7324% | 2,238 |
| Net operating income to assets | -0.6149% | 6,673 |
| Return on assets (ROA) | -0.4643% | 6,520 |
| Pretax return on assets | -0.5552% | 6,483 |
| Return on Equity (ROE) | -4.2114% | 6,503 |
| Retained earnings to average equity (ytd only) | -8.2494% | 6,696 |
| Net charge-offs to loans | 0.3264% | 3,548 |
| Credit loss provision to net charge-offs | 354.2757% | 1,309 |
| Earnings coverage of net charge-offs (x) | -0.0105% | 5,701 |
| Efficiency ratio | 99.1357% | 1,214 |
| Assets per employee ($millions) | 2.9519% | 6,262 |
| Cash dividends to net income (ytd only)* | -95.8819% | 8,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 5,117 |
| Loan loss allowance to noncurrent loans | 54.5287% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.4192% | 2,678 |
| Noncurrent loans to loans | 2.1537% | 3,305 |
| Net loans and leases to total assets | 63.0506% | 5,173 |
| Net loans and leases to deposits | 85.6335% | 3,615 |
| Net loans and leases to core deposits | 122.0022% | 2,208 |
| Total domestic deposits to total assets | 73.6284% | 7,014 |
| Equity capital to assets | 10.6544% | 3,245 |
| Core capital (leverage) ratio | 9.2874% | 4,184 |
| Tier 1 risk-based capital ratio | 12.5131% | 4,511 |
| Total risk-based capital ratio | 13.5344% | 4,605 |
| Memoranda: | ||
| Average total assets | $554,363,670 | 1,276 |
| Average earning assets | $488,467,670 | 1,325 |
| Average equity | $61,119,670 | 1,119 |
| Average total loans | $351,134,330 | 1,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1535% | 1,748 |
| Cost of funding earning assets | 2.6194% | 1,501 |
| Net interest margin | 3.5341% | 4,594 |
| Noninterest income to average assets | 0.8539% | 2,062 |
| Noninterest expense to average assets | 2.8412% | 4,377 |
| Loan and lease loss provision to assets | 0.1188% | 5,446 |
| Net operating income to assets | 0.7673% | 3,269 |
| Return on assets (ROA) | 0.7690% | 3,435 |
| Pretax return on assets | 0.9979% | 3,352 |
| Return on Equity (ROE) | 6.8601% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.8601% | 2,256 |
| Net charge-offs to loans | 0.1346% | 3,884 |
| Credit loss provision to net charge-offs | 139.8305% | 2,912 |
| Earnings coverage of net charge-offs (x) | 13.1186% | 1,753 |
| Efficiency ratio | 70.9501% | 4,384 |
| Assets per employee ($millions) | 3.1290% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 7,237 |
| Loan loss allowance to noncurrent loans | 97.9526% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6673% | 3,423 |
| Noncurrent loans to loans | 0.7942% | 5,452 |
| Net loans and leases to total assets | 62.8034% | 5,190 |
| Net loans and leases to deposits | 86.6589% | 3,531 |
| Net loans and leases to core deposits | 122.9227% | 2,172 |
| Total domestic deposits to total assets | 72.4719% | 7,135 |
| Equity capital to assets | 11.3131% | 2,710 |
| Core capital (leverage) ratio | 9.9565% | 3,448 |
| Tier 1 risk-based capital ratio | 13.2824% | 4,002 |
| Total risk-based capital ratio | 13.9504% | 4,312 |
| Memoranda: | ||
| Average total assets | $555,542,500 | 1,278 |
| Average earning assets | $487,590,500 | 1,334 |
| Average equity | $62,273,000 | 1,094 |
| Average total loans | $350,612,000 | 1,442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6294% | 2,346 |
| Cost of funding earning assets | 2.9391% | 2,102 |
| Net interest margin | 3.6904% | 4,512 |
| Noninterest income to average assets | 0.8347% | 2,327 |
| Noninterest expense to average assets | 2.7549% | 5,027 |
| Loan and lease loss provision to assets | 0.1263% | 5,751 |
| Net operating income to assets | 0.9909% | 2,596 |
| Return on assets (ROA) | 1.0356% | 2,308 |
| Pretax return on assets | 1.3054% | 2,293 |
| Return on Equity (ROE) | 9.0589% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.3915% | 1,815 |
| Net charge-offs to loans | 0.2508% | 3,768 |
| Credit loss provision to net charge-offs | 82.9146% | 5,842 |
| Earnings coverage of net charge-offs (x) | 9.0276% | 2,767 |
| Efficiency ratio | 65.7508% | 5,180 |
| Assets per employee ($millions) | 3.0122% | 6,030 |
| Cash dividends to net income (ytd only)* | 40.4841% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 7,229 |
| Loan loss allowance to noncurrent loans | 88.5073% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 3,347 |
| Noncurrent loans to loans | 0.8635% | 4,896 |
| Net loans and leases to total assets | 62.4477% | 5,550 |
| Net loans and leases to deposits | 87.5156% | 3,864 |
| Net loans and leases to core deposits | 126.5759% | 2,122 |
| Total domestic deposits to total assets | 71.3561% | 7,114 |
| Equity capital to assets | 11.1063% | 2,958 |
| Core capital (leverage) ratio | 9.6975% | 3,769 |
| Tier 1 risk-based capital ratio | 12.9903% | 4,117 |
| Total risk-based capital ratio | 13.6459% | 4,405 |
| Memoranda: | ||
| Average total assets | $522,591,200 | 1,293 |
| Average earning assets | $466,646,200 | 1,335 |
| Average equity | $59,742,600 | 1,128 |
| Average total loans | $317,444,000 | 1,526 |