Home > 21st Century Bank > Performance and Condition Ratios
21st Century Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 2,170 |
| Cost of funding earning assets | 2.1080% | 766 |
| Net interest margin | 2.8448% | 3,579 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.8140% | 3,983 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7066% | 3,179 |
| Return on assets (ROA) | 0.7066% | 3,152 |
| Pretax return on assets | 0.9953% | 2,699 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.0594% | 2,939 |
| Net charge-offs to loans | 0.0172% | 2,023 |
| Credit loss provision to net charge-offs | 353.0612% | 845 |
| Earnings coverage of net charge-offs (x) | 75.3061% | 1,065 |
| Efficiency ratio | 63.4653% | 2,675 |
| Assets per employee ($millions) | 12.5531% | 362 |
| Cash dividends to net income (ytd only)* | 40.0481% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 3,646 |
| Loan loss allowance to noncurrent loans | 960.4240% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,028 |
| Noncurrent loans to loans | 0.0958% | 3,064 |
| Net loans and leases to total assets | 80.3700% | 600 |
| Net loans and leases to deposits | 105.8675% | 301 |
| Net loans and leases to core deposits | 113.2618% | 836 |
| Total domestic deposits to total assets | 75.9100% | 3,951 |
| Equity capital to assets | 10.4678% | 1,742 |
| Core capital (leverage) ratio | 11.6018% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8531% | 1,104 |
| Memoranda: | ||
| Average total assets | $706,740,000 | 1,299 |
| Average earning assets | $689,286,600 | 1,255 |
| Average equity | $73,754,400 | 1,199 |
| Average total loans | $568,848,000 | 1,119 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 2,091 |
| Cost of funding earning assets | 1.9612% | 757 |
| Net interest margin | 2.9254% | 3,491 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.8619% | 3,865 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7396% | 3,204 |
| Return on assets (ROA) | 0.7396% | 3,194 |
| Pretax return on assets | 1.0417% | 2,740 |
| Return on Equity (ROE) | 7.0900% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.4472% | 3,403 |
| Net charge-offs to loans | 0.0395% | 1,322 |
| Credit loss provision to net charge-offs | 117.3653% | 1,498 |
| Earnings coverage of net charge-offs (x) | 33.9880% | 1,529 |
| Efficiency ratio | 63.3120% | 2,585 |
| Assets per employee ($millions) | 11.7176% | 408 |
| Cash dividends to net income (ytd only)* | 51.4007% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 3,711 |
| Loan loss allowance to noncurrent loans | 10,868.7500% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,795 |
| Noncurrent loans to loans | 0.0083% | 3,748 |
| Net loans and leases to total assets | 79.8200% | 669 |
| Net loans and leases to deposits | 105.2327% | 315 |
| Net loans and leases to core deposits | 112.8496% | 772 |
| Total domestic deposits to total assets | 75.8500% | 4,023 |
| Equity capital to assets | 10.0902% | 1,774 |
| Core capital (leverage) ratio | 11.4513% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1800% | 1,070 |
| Memoranda: | ||
| Average total assets | $701,405,250 | 1,308 |
| Average earning assets | $684,523,000 | 1,258 |
| Average equity | $73,139,500 | 1,200 |
| Average total loans | $563,416,250 | 1,127 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 2,116 |
| Cost of funding earning assets | 1.6942% | 891 |
| Net interest margin | 3.0534% | 3,317 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.9032% | 3,815 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8067% | 3,059 |
| Return on assets (ROA) | 0.8067% | 3,067 |
| Pretax return on assets | 1.1361% | 2,547 |
| Return on Equity (ROE) | 7.6500% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.2074% | 3,671 |
| Net charge-offs to loans | 0.0597% | 947 |
| Credit loss provision to net charge-offs | 68.8623% | 1,599 |
| Earnings coverage of net charge-offs (x) | 24.3952% | 1,651 |
| Efficiency ratio | 61.9466% | 2,722 |
| Assets per employee ($millions) | 11.6491% | 416 |
| Cash dividends to net income (ytd only)* | 71.1491% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 3,794 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,792 |
| Noncurrent loans to loans | 0.0084% | 3,734 |
| Net loans and leases to total assets | 79.8900% | 642 |
| Net loans and leases to deposits | 103.7311% | 379 |
| Net loans and leases to core deposits | 109.2619% | 859 |
| Total domestic deposits to total assets | 77.0200% | 3,951 |
| Equity capital to assets | 10.3211% | 1,682 |
| Core capital (leverage) ratio | 11.6585% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0353% | 1,122 |
| Memoranda: | ||
| Average total assets | $696,949,667 | 1,303 |
| Average earning assets | $681,015,667 | 1,253 |
| Average equity | $73,478,667 | 1,193 |
| Average total loans | $559,309,333 | 1,124 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 1,909 |
| Cost of funding earning assets | 1.5190% | 813 |
| Net interest margin | 3.1558% | 3,219 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.0489% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8091% | 3,165 |
| Return on assets (ROA) | 0.8091% | 3,119 |
| Pretax return on assets | 1.1395% | 2,599 |
| Return on Equity (ROE) | 7.5900% | 3,393 |
| Retained earnings to average equity (ytd only) | -3.2850% | 4,254 |
| Net charge-offs to loans | 0.0007% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,966.0000% | 45 |
| Efficiency ratio | 64.2610% | 2,427 |
| Assets per employee ($millions) | 11.3319% | 476 |
| Cash dividends to net income (ytd only)* | 143.2665% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,744 |
| Loan loss allowance to noncurrent loans | 660.7643% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,727 |
| Noncurrent loans to loans | 0.1426% | 2,784 |
| Net loans and leases to total assets | 78.8600% | 668 |
| Net loans and leases to deposits | 89.2394% | 1,114 |
| Net loans and leases to core deposits | 106.5433% | 816 |
| Total domestic deposits to total assets | 88.3700% | 1,787 |
| Equity capital to assets | 10.6366% | 1,497 |
| Core capital (leverage) ratio | 11.4269% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9152% | 1,002 |
| Memoranda: | ||
| Average total assets | $690,128,000 | 1,330 |
| Average earning assets | $675,445,000 | 1,274 |
| Average equity | $73,547,500 | 1,203 |
| Average total loans | $552,551,500 | 1,144 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 1,225 |
| Cost of funding earning assets | 0.5347% | 1,195 |
| Net interest margin | 3.6737% | 1,442 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9499% | 3,716 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2311% | 1,656 |
| Return on assets (ROA) | 1.2311% | 1,608 |
| Pretax return on assets | 1.7338% | 852 |
| Return on Equity (ROE) | 11.1200% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.3570% | 1,695 |
| Net charge-offs to loans | 0.0714% | 930 |
| Credit loss provision to net charge-offs | 206.8063% | 1,097 |
| Earnings coverage of net charge-offs (x) | 31.7251% | 1,655 |
| Efficiency ratio | 51.2510% | 4,045 |
| Assets per employee ($millions) | 11.2952% | 470 |
| Cash dividends to net income (ytd only)* | 24.8633% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 3,852 |
| Loan loss allowance to noncurrent loans | 395.0447% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,299 |
| Noncurrent loans to loans | 0.2219% | 2,379 |
| Net loans and leases to total assets | 79.8100% | 616 |
| Net loans and leases to deposits | 90.4140% | 1,024 |
| Net loans and leases to core deposits | 106.7624% | 721 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 10.6776% | 1,383 |
| Core capital (leverage) ratio | 11.8930% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8811% | 996 |
| Memoranda: | ||
| Average total assets | $653,404,800 | 1,371 |
| Average earning assets | $642,099,600 | 1,313 |
| Average equity | $72,323,000 | 1,222 |
| Average total loans | $535,206,600 | 1,121 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 1,140 |
| Cost of funding earning assets | 0.3606% | 1,614 |
| Net interest margin | 3.7029% | 1,128 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.9924% | 3,503 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.2123% | 1,654 |
| Return on assets (ROA) | 1.2123% | 1,631 |
| Pretax return on assets | 1.7073% | 891 |
| Return on Equity (ROE) | 10.8500% | 2,444 |
| Retained earnings to average equity (ytd only) | 7.1469% | 2,319 |
| Net charge-offs to loans | 0.0953% | 651 |
| Credit loss provision to net charge-offs | 208.4433% | 960 |
| Earnings coverage of net charge-offs (x) | 23.8602% | 1,642 |
| Efficiency ratio | 51.5744% | 4,041 |
| Assets per employee ($millions) | 10.7144% | 541 |
| Cash dividends to net income (ytd only)* | 34.1297% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 3,917 |
| Loan loss allowance to noncurrent loans | 461.2322% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,523 |
| Noncurrent loans to loans | 0.1906% | 2,645 |
| Net loans and leases to total assets | 81.2700% | 424 |
| Net loans and leases to deposits | 91.3711% | 804 |
| Net loans and leases to core deposits | 106.8316% | 564 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 10.4675% | 1,385 |
| Core capital (leverage) ratio | 12.0386% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7848% | 1,027 |
| Memoranda: | ||
| Average total assets | $644,503,500 | 1,391 |
| Average earning assets | $634,115,000 | 1,333 |
| Average equity | $72,011,250 | 1,239 |
| Average total loans | $530,312,750 | 1,127 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 946 |
| Cost of funding earning assets | 0.2303% | 2,502 |
| Net interest margin | 3.7643% | 814 |
| Noninterest income to average assets | 0.2882% | 3,450 |
| Noninterest expense to average assets | 2.0636% | 3,253 |
| Loan and lease loss provision to assets | 0.1703% | 534 |
| Net operating income to assets | 1.2495% | 1,278 |
| Return on assets (ROA) | 1.2495% | 1,264 |
| Pretax return on assets | 1.7600% | 657 |
| Return on Equity (ROE) | 10.9380% | 1,999 |
| Retained earnings to average equity (ytd only) | 5.4179% | 2,548 |
| Net charge-offs to loans | 0.1634% | 384 |
| Credit loss provision to net charge-offs | 126.4637% | 1,166 |
| Earnings coverage of net charge-offs (x) | 14.3372% | 1,657 |
| Efficiency ratio | 51.6697% | 4,152 |
| Assets per employee ($millions) | 10.1384% | 633 |
| Cash dividends to net income (ytd only)* | 50.4668% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 4,059 |
| Loan loss allowance to noncurrent loans | 437.9674% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,583 |
| Noncurrent loans to loans | 0.1972% | 2,719 |
| Net loans and leases to total assets | 80.8149% | 349 |
| Net loans and leases to deposits | 91.0814% | 658 |
| Net loans and leases to core deposits | 102.6711% | 563 |
| Total domestic deposits to total assets | 88.7282% | 2,287 |
| Equity capital to assets | 10.9146% | 1,252 |
| Core capital (leverage) ratio | 12.0910% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4929% | 920 |
| Memoranda: | ||
| Average total assets | $634,336,000 | 1,424 |
| Average earning assets | $624,444,333 | 1,362 |
| Average equity | $72,463,000 | 1,261 |
| Average total loans | $522,592,667 | 1,132 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 825 |
| Cost of funding earning assets | 0.2047% | 2,735 |
| Net interest margin | 3.7622% | 676 |
| Noninterest income to average assets | 0.4899% | 2,197 |
| Noninterest expense to average assets | 2.2530% | 2,674 |
| Loan and lease loss provision to assets | 0.2870% | 214 |
| Net operating income to assets | 1.1743% | 1,316 |
| Return on assets (ROA) | 1.1743% | 1,314 |
| Pretax return on assets | 1.6540% | 752 |
| Return on Equity (ROE) | 10.0485% | 1,954 |
| Retained earnings to average equity (ytd only) | -0.8679% | 4,128 |
| Net charge-offs to loans | 0.3157% | 201 |
| Credit loss provision to net charge-offs | 109.7561% | 965 |
| Earnings coverage of net charge-offs (x) | 7.4220% | 1,539 |
| Efficiency ratio | 53.7186% | 4,077 |
| Assets per employee ($millions) | 9.6010% | 753 |
| Cash dividends to net income (ytd only)* | 108.6366% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,125 |
| Loan loss allowance to noncurrent loans | 376.7812% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,269 |
| Noncurrent loans to loans | 0.2291% | 2,679 |
| Net loans and leases to total assets | 82.7334% | 133 |
| Net loans and leases to deposits | 93.9215% | 366 |
| Net loans and leases to core deposits | 103.1119% | 420 |
| Total domestic deposits to total assets | 88.0878% | 2,484 |
| Equity capital to assets | 11.4743% | 1,133 |
| Core capital (leverage) ratio | 11.9497% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5730% | 957 |
| Memoranda: | ||
| Average total assets | $627,075,000 | 1,441 |
| Average earning assets | $617,410,000 | 1,377 |
| Average equity | $73,284,500 | 1,280 |
| Average total loans | $519,418,000 | 1,129 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 668 |
| Cost of funding earning assets | 0.2961% | 2,443 |
| Net interest margin | 4.1414% | 549 |
| Noninterest income to average assets | -0.2695% | 4,837 |
| Noninterest expense to average assets | 2.0138% | 3,639 |
| Loan and lease loss provision to assets | 0.1340% | 909 |
| Net operating income to assets | 1.1695% | 2,022 |
| Return on assets (ROA) | 1.1695% | 2,081 |
| Pretax return on assets | 1.6472% | 1,286 |
| Return on Equity (ROE) | 9.8301% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.4648% | 1,357 |
| Net charge-offs to loans | 0.0015% | 2,607 |
| Credit loss provision to net charge-offs | 10,312.5000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,370.7500% | 108 |
| Efficiency ratio | 53.0645% | 4,025 |
| Assets per employee ($millions) | 9.8451% | 696 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,158 |
| Loan loss allowance to noncurrent loans | 683.2822% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 2,253 |
| Noncurrent loans to loans | 0.1259% | 3,303 |
| Net loans and leases to total assets | 81.5090% | 200 |
| Net loans and leases to deposits | 93.6952% | 396 |
| Net loans and leases to core deposits | 101.4193% | 475 |
| Total domestic deposits to total assets | 86.9938% | 2,523 |
| Equity capital to assets | 11.8971% | 1,300 |
| Core capital (leverage) ratio | 12.0796% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1057% | 877 |
| Memoranda: | ||
| Average total assets | $615,651,000 | 1,421 |
| Average earning assets | $604,214,200 | 1,369 |
| Average equity | $73,244,200 | 1,299 |
| Average total loans | $527,438,400 | 1,116 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 609 |
| Cost of funding earning assets | 0.3239% | 2,359 |
| Net interest margin | 4.2317% | 510 |
| Noninterest income to average assets | 0.0961% | 4,684 |
| Noninterest expense to average assets | 2.0220% | 3,605 |
| Loan and lease loss provision to assets | 0.0490% | 2,016 |
| Net operating income to assets | 1.5441% | 1,160 |
| Return on assets (ROA) | 1.5441% | 1,204 |
| Pretax return on assets | 2.1747% | 573 |
| Return on Equity (ROE) | 12.9787% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.1476% | 1,024 |
| Net charge-offs to loans | 0.0020% | 2,318 |
| Credit loss provision to net charge-offs | 2,812.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 1,276.0000% | 126 |
| Efficiency ratio | 47.6244% | 4,394 |
| Assets per employee ($millions) | 9.5638% | 746 |
| Cash dividends to net income (ytd only)* | 14.1084% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,459 |
| Loan loss allowance to noncurrent loans | 612.8776% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 1,204 |
| Noncurrent loans to loans | 0.1187% | 3,498 |
| Net loans and leases to total assets | 85.9589% | 66 |
| Net loans and leases to deposits | 99.3290% | 239 |
| Net loans and leases to core deposits | 106.1464% | 402 |
| Total domestic deposits to total assets | 86.5395% | 2,540 |
| Equity capital to assets | 12.3118% | 1,254 |
| Core capital (leverage) ratio | 12.3181% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5753% | 875 |
| Memoranda: | ||
| Average total assets | $612,042,500 | 1,441 |
| Average earning assets | $600,180,250 | 1,391 |
| Average equity | $72,814,750 | 1,324 |
| Average total loans | $529,790,250 | 1,138 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 529 |
| Cost of funding earning assets | 0.3621% | 2,206 |
| Net interest margin | 4.3447% | 455 |
| Noninterest income to average assets | 0.0974% | 4,698 |
| Noninterest expense to average assets | 2.0421% | 3,570 |
| Loan and lease loss provision to assets | 0.0327% | 2,329 |
| Net operating income to assets | 1.6189% | 1,015 |
| Return on assets (ROA) | 1.6189% | 1,070 |
| Pretax return on assets | 2.2803% | 503 |
| Return on Equity (ROE) | 13.7674% | 1,484 |
| Retained earnings to average equity (ytd only) | 13.7674% | 584 |
| Net charge-offs to loans | 0.0109% | 1,746 |
| Credit loss provision to net charge-offs | 344.8276% | 831 |
| Earnings coverage of net charge-offs (x) | 244.0690% | 442 |
| Efficiency ratio | 46.8898% | 4,470 |
| Assets per employee ($millions) | 9.3405% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 4,531 |
| Loan loss allowance to noncurrent loans | 515.0000% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 1,277 |
| Noncurrent loans to loans | 0.1360% | 3,512 |
| Net loans and leases to total assets | 86.5651% | 67 |
| Net loans and leases to deposits | 101.0364% | 230 |
| Net loans and leases to core deposits | 106.5705% | 457 |
| Total domestic deposits to total assets | 85.6771% | 2,846 |
| Equity capital to assets | 12.2462% | 1,248 |
| Core capital (leverage) ratio | 11.8493% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6664% | 862 |
| Memoranda: | ||
| Average total assets | $612,029,667 | 1,439 |
| Average earning assets | $599,770,333 | 1,379 |
| Average equity | $71,967,000 | 1,327 |
| Average total loans | $529,722,667 | 1,142 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 388 |
| Cost of funding earning assets | 0.3941% | 2,144 |
| Net interest margin | 4.5445% | 333 |
| Noninterest income to average assets | 0.0989% | 4,690 |
| Noninterest expense to average assets | 2.1657% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6931% | 953 |
| Return on assets (ROA) | 1.6931% | 1,002 |
| Pretax return on assets | 2.3845% | 532 |
| Return on Equity (ROE) | 14.7001% | 1,276 |
| Retained earnings to average equity (ytd only) | 14.7001% | 660 |
| Net charge-offs to loans | 0.0219% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 126.3103% | 536 |
| Efficiency ratio | 47.5966% | 4,369 |
| Assets per employee ($millions) | 9.9736% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,601 |
| Loan loss allowance to noncurrent loans | 487.5676% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 1,500 |
| Noncurrent loans to loans | 0.1393% | 3,624 |
| Net loans and leases to total assets | 83.9661% | 148 |
| Net loans and leases to deposits | 99.8182% | 291 |
| Net loans and leases to core deposits | 108.2244% | 454 |
| Total domestic deposits to total assets | 84.1191% | 3,394 |
| Equity capital to assets | 11.4594% | 1,564 |
| Core capital (leverage) ratio | 11.7774% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2589% | 882 |
| Memoranda: | ||
| Average total assets | $614,478,000 | 1,422 |
| Average earning assets | $601,866,500 | 1,368 |
| Average equity | $70,775,000 | 1,337 |
| Average total loans | $529,947,500 | 1,143 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 830 |
| Cost of funding earning assets | 0.6867% | 1,792 |
| Net interest margin | 4.0533% | 869 |
| Noninterest income to average assets | -0.1673% | 4,982 |
| Noninterest expense to average assets | 2.0368% | 4,070 |
| Loan and lease loss provision to assets | 0.2084% | 1,891 |
| Net operating income to assets | 1.0876% | 1,967 |
| Return on assets (ROA) | 1.0876% | 2,095 |
| Pretax return on assets | 1.5335% | 1,237 |
| Return on Equity (ROE) | 9.4880% | 2,198 |
| Retained earnings to average equity (ytd only) | 7.9915% | 1,056 |
| Net charge-offs to loans | 0.0016% | 3,355 |
| Credit loss provision to net charge-offs | 15,187.5000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,269.2500% | 88 |
| Efficiency ratio | 53.9020% | 4,223 |
| Assets per employee ($millions) | 9.5336% | 613 |
| Cash dividends to net income (ytd only)* | 15.7729% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 4,605 |
| Loan loss allowance to noncurrent loans | 258.7482% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 1,327 |
| Noncurrent loans to loans | 0.2659% | 3,244 |
| Net loans and leases to total assets | 87.4196% | 57 |
| Net loans and leases to deposits | 105.1500% | 241 |
| Net loans and leases to core deposits | 119.6517% | 311 |
| Total domestic deposits to total assets | 83.1380% | 3,369 |
| Equity capital to assets | 11.5791% | 1,827 |
| Core capital (leverage) ratio | 11.3301% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3988% | 983 |
| Memoranda: | ||
| Average total assets | $582,918,600 | 1,358 |
| Average earning assets | $567,486,200 | 1,314 |
| Average equity | $66,821,400 | 1,347 |
| Average total loans | $497,468,600 | 1,143 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 715 |
| Cost of funding earning assets | 0.7492% | 1,753 |
| Net interest margin | 4.1627% | 785 |
| Noninterest income to average assets | -0.0350% | 5,008 |
| Noninterest expense to average assets | 2.0506% | 4,045 |
| Loan and lease loss provision to assets | 0.2570% | 1,579 |
| Net operating income to assets | 1.2105% | 1,610 |
| Return on assets (ROA) | 1.2105% | 1,732 |
| Pretax return on assets | 1.7053% | 966 |
| Return on Equity (ROE) | 10.5873% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.5715% | 1,119 |
| Net charge-offs to loans | 0.0022% | 3,113 |
| Credit loss provision to net charge-offs | 13,937.5000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,064.2500% | 112 |
| Efficiency ratio | 51.0999% | 4,411 |
| Assets per employee ($millions) | 9.8077% | 542 |
| Cash dividends to net income (ytd only)* | 19.0404% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6537% | 4,658 |
| Loan loss allowance to noncurrent loans | 271.7358% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 1,150 |
| Noncurrent loans to loans | 0.2406% | 3,445 |
| Net loans and leases to total assets | 87.0250% | 104 |
| Net loans and leases to deposits | 107.6993% | 275 |
| Net loans and leases to core deposits | 127.7863% | 273 |
| Total domestic deposits to total assets | 80.8036% | 3,699 |
| Equity capital to assets | 11.0892% | 2,330 |
| Core capital (leverage) ratio | 11.1526% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3978% | 991 |
| Memoranda: | ||
| Average total assets | $578,494,000 | 1,353 |
| Average earning assets | $562,532,750 | 1,303 |
| Average equity | $66,140,250 | 1,342 |
| Average total loans | $489,662,000 | 1,154 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,723 |
| Cost of funding earning assets | 0.8387% | 1,640 |
| Net interest margin | 3.3732% | 3,177 |
| Noninterest income to average assets | 0.8996% | 1,173 |
| Noninterest expense to average assets | 2.1487% | 3,931 |
| Loan and lease loss provision to assets | 0.3200% | 1,335 |
| Net operating income to assets | 1.2133% | 1,605 |
| Return on assets (ROA) | 1.2133% | 1,723 |
| Pretax return on assets | 1.7095% | 980 |
| Return on Equity (ROE) | 10.5008% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.5008% | 691 |
| Net charge-offs to loans | -0.0021% | 3,831 |
| Credit loss provision to net charge-offs | -18,100.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4262% | 4,402 |
| Assets per employee ($millions) | 9.4390% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 4,691 |
| Loan loss allowance to noncurrent loans | 209.0113% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 1,137 |
| Noncurrent loans to loans | 0.3056% | 3,290 |
| Net loans and leases to total assets | 86.0002% | 136 |
| Net loans and leases to deposits | 105.4077% | 332 |
| Net loans and leases to core deposits | 129.2175% | 267 |
| Total domestic deposits to total assets | 81.5882% | 3,475 |
| Equity capital to assets | 11.1997% | 2,181 |
| Core capital (leverage) ratio | 11.2342% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8837% | 1,077 |
| Memoranda: | ||
| Average total assets | $565,553,333 | 1,358 |
| Average earning assets | $549,691,667 | 1,311 |
| Average equity | $65,347,333 | 1,343 |
| Average total loans | $472,655,333 | 1,171 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,620 |
| Cost of funding earning assets | 0.9387% | 1,697 |
| Net interest margin | 3.4614% | 3,113 |
| Noninterest income to average assets | -0.0681% | 5,086 |
| Noninterest expense to average assets | 2.3731% | 3,598 |
| Loan and lease loss provision to assets | 0.2050% | 1,489 |
| Net operating income to assets | 0.5052% | 3,877 |
| Return on assets (ROA) | 0.5052% | 3,937 |
| Pretax return on assets | 0.7125% | 3,644 |
| Return on Equity (ROE) | 4.2996% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.2996% | 2,575 |
| Net charge-offs to loans | -0.0009% | 3,601 |
| Credit loss provision to net charge-offs | -28,000.0000% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1184% | 2,060 |
| Assets per employee ($millions) | 8.6438% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 4,748 |
| Loan loss allowance to noncurrent loans | 137.0389% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4148% | 783 |
| Noncurrent loans to loans | 0.4410% | 2,936 |
| Net loans and leases to total assets | 79.3798% | 770 |
| Net loans and leases to deposits | 98.0469% | 707 |
| Net loans and leases to core deposits | 134.0301% | 222 |
| Total domestic deposits to total assets | 80.9610% | 3,674 |
| Equity capital to assets | 11.5151% | 2,426 |
| Core capital (leverage) ratio | 11.9363% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3115% | 1,276 |
| Memoranda: | ||
| Average total assets | $546,282,500 | 1,362 |
| Average earning assets | $530,081,000 | 1,313 |
| Average equity | $64,192,500 | 1,360 |
| Average total loans | $447,551,500 | 1,189 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 2,933 |
| Cost of funding earning assets | 1.1075% | 1,295 |
| Net interest margin | 3.3944% | 3,768 |
| Noninterest income to average assets | 0.8157% | 1,405 |
| Noninterest expense to average assets | 2.2029% | 4,152 |
| Loan and lease loss provision to assets | 0.0836% | 2,335 |
| Net operating income to assets | 1.2604% | 1,832 |
| Return on assets (ROA) | 1.2604% | 1,918 |
| Pretax return on assets | 1.7762% | 1,000 |
| Return on Equity (ROE) | 10.8864% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.8864% | 347 |
| Net charge-offs to loans | 0.0360% | 2,664 |
| Credit loss provision to net charge-offs | 284.7682% | 986 |
| Earnings coverage of net charge-offs (x) | 63.3709% | 949 |
| Efficiency ratio | 54.2241% | 4,401 |
| Assets per employee ($millions) | 7.9212% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5446% | 4,829 |
| Loan loss allowance to noncurrent loans | 174.7664% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 578 |
| Noncurrent loans to loans | 0.3116% | 3,324 |
| Net loans and leases to total assets | 83.6541% | 351 |
| Net loans and leases to deposits | 100.0009% | 609 |
| Net loans and leases to core deposits | 145.2694% | 146 |
| Total domestic deposits to total assets | 83.6533% | 2,974 |
| Equity capital to assets | 12.0003% | 2,137 |
| Core capital (leverage) ratio | 11.9770% | 1,797 |
| Tier 1 risk-based capital ratio | 16.1898% | 2,335 |
| Total risk-based capital ratio | 16.8055% | 2,494 |
| Memoranda: | ||
| Average total assets | $514,539,000 | 1,388 |
| Average earning assets | $492,191,800 | 1,347 |
| Average equity | $59,569,800 | 1,382 |
| Average total loans | $419,538,400 | 1,220 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 3,183 |
| Cost of funding earning assets | 1.1293% | 1,245 |
| Net interest margin | 3.3290% | 4,044 |
| Noninterest income to average assets | 0.9630% | 1,017 |
| Noninterest expense to average assets | 2.1589% | 4,260 |
| Loan and lease loss provision to assets | 0.0862% | 2,194 |
| Net operating income to assets | 1.3422% | 1,669 |
| Return on assets (ROA) | 1.3422% | 1,742 |
| Pretax return on assets | 1.8915% | 885 |
| Return on Equity (ROE) | 11.7045% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.7045% | 416 |
| Net charge-offs to loans | 0.0488% | 2,141 |
| Credit loss provision to net charge-offs | 218.5430% | 1,226 |
| Earnings coverage of net charge-offs (x) | 50.1453% | 1,187 |
| Efficiency ratio | 52.1909% | 4,582 |
| Assets per employee ($millions) | 7.4867% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 4,913 |
| Loan loss allowance to noncurrent loans | 102.7325% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 472 |
| Noncurrent loans to loans | 0.5247% | 2,718 |
| Net loans and leases to total assets | 84.4849% | 301 |
| Net loans and leases to deposits | 99.1505% | 710 |
| Net loans and leases to core deposits | 145.2405% | 147 |
| Total domestic deposits to total assets | 85.2087% | 2,344 |
| Equity capital to assets | 12.2607% | 2,069 |
| Core capital (leverage) ratio | 12.1000% | 1,791 |
| Tier 1 risk-based capital ratio | 16.5563% | 2,247 |
| Total risk-based capital ratio | 17.1730% | 2,398 |
| Memoranda: | ||
| Average total assets | $510,494,000 | 1,406 |
| Average earning assets | $486,659,250 | 1,368 |
| Average equity | $58,540,250 | 1,398 |
| Average total loans | $412,823,250 | 1,244 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 3,400 |
| Cost of funding earning assets | 1.1106% | 1,257 |
| Net interest margin | 3.2641% | 4,213 |
| Noninterest income to average assets | -0.2427% | 5,286 |
| Noninterest expense to average assets | 2.1180% | 4,382 |
| Loan and lease loss provision to assets | 0.0705% | 2,411 |
| Net operating income to assets | 0.4685% | 4,599 |
| Return on assets (ROA) | 0.4685% | 4,629 |
| Pretax return on assets | 0.6611% | 4,422 |
| Return on Equity (ROE) | 4.1819% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.1819% | 3,159 |
| Net charge-offs to loans | 0.0177% | 2,518 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 51.9167% | 1,066 |
| Efficiency ratio | 74.3269% | 1,606 |
| Assets per employee ($millions) | 7.6206% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5425% | 4,961 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.4522% | 308 |
| Noncurrent loans to loans | 0.4650% | 2,887 |
| Net loans and leases to total assets | 77.7936% | 1,259 |
| Net loans and leases to deposits | 89.5668% | 1,787 |
| Net loans and leases to core deposits | 149.9330% | 134 |
| Total domestic deposits to total assets | 86.8553% | 1,662 |
| Equity capital to assets | 10.7945% | 3,274 |
| Core capital (leverage) ratio | 11.5298% | 2,134 |
| Tier 1 risk-based capital ratio | 15.3237% | 2,696 |
| Total risk-based capital ratio | 15.9237% | 2,909 |
| Memoranda: | ||
| Average total assets | $510,959,330 | 1,400 |
| Average earning assets | $484,046,670 | 1,374 |
| Average equity | $57,247,330 | 1,415 |
| Average total loans | $406,283,670 | 1,263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 3,222 |
| Cost of funding earning assets | 1.1019% | 1,178 |
| Net interest margin | 3.2998% | 4,163 |
| Noninterest income to average assets | -0.7429% | 5,354 |
| Noninterest expense to average assets | 2.2762% | 4,085 |
| Loan and lease loss provision to assets | 0.0242% | 3,115 |
| Net operating income to assets | 0.0540% | 5,115 |
| Return on assets (ROA) | 0.0540% | 5,120 |
| Pretax return on assets | 0.0774% | 5,110 |
| Return on Equity (ROE) | 0.4729% | 5,120 |
| Retained earnings to average equity (ytd only) | 0.4729% | 4,439 |
| Net charge-offs to loans | 0.0080% | 2,402 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,730 |
| Efficiency ratio | 95.7259% | 232 |
| Assets per employee ($millions) | 8.1104% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 5,031 |
| Loan loss allowance to noncurrent loans | 107.7304% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.6756% | 265 |
| Noncurrent loans to loans | 0.5027% | 2,807 |
| Net loans and leases to total assets | 79.3954% | 923 |
| Net loans and leases to deposits | 89.9178% | 1,642 |
| Net loans and leases to core deposits | 136.8970% | 222 |
| Total domestic deposits to total assets | 88.2977% | 1,190 |
| Equity capital to assets | 11.3011% | 2,561 |
| Core capital (leverage) ratio | 11.5163% | 2,123 |
| Tier 1 risk-based capital ratio | 15.6768% | 2,574 |
| Total risk-based capital ratio | 16.2695% | 2,799 |
| Memoranda: | ||
| Average total assets | $495,907,000 | 1,445 |
| Average earning assets | $468,995,000 | 1,425 |
| Average equity | $56,668,500 | 1,422 |
| Average total loans | $397,821,000 | 1,281 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,515 |
| Cost of funding earning assets | 0.7755% | 1,660 |
| Net interest margin | 3.3981% | 4,006 |
| Noninterest income to average assets | 0.2792% | 4,234 |
| Noninterest expense to average assets | 2.1527% | 4,443 |
| Loan and lease loss provision to assets | 0.1397% | 1,537 |
| Net operating income to assets | 0.8344% | 3,678 |
| Return on assets (ROA) | 0.8344% | 3,674 |
| Pretax return on assets | 1.1763% | 2,984 |
| Return on Equity (ROE) | 6.9683% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.9683% | 1,683 |
| Net charge-offs to loans | 0.0983% | 1,783 |
| Credit loss provision to net charge-offs | 180.9117% | 1,562 |
| Earnings coverage of net charge-offs (x) | 17.0399% | 2,211 |
| Efficiency ratio | 62.0591% | 3,515 |
| Assets per employee ($millions) | 7.8866% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5459% | 5,070 |
| Loan loss allowance to noncurrent loans | 95.9857% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.9452% | 219 |
| Noncurrent loans to loans | 0.5687% | 2,567 |
| Net loans and leases to total assets | 80.1851% | 909 |
| Net loans and leases to deposits | 92.0908% | 1,543 |
| Net loans and leases to core deposits | 136.7836% | 233 |
| Total domestic deposits to total assets | 87.0718% | 1,754 |
| Equity capital to assets | 11.5569% | 2,216 |
| Core capital (leverage) ratio | 12.0353% | 1,714 |
| Tier 1 risk-based capital ratio | 15.9097% | 2,439 |
| Total risk-based capital ratio | 16.5058% | 2,652 |
| Memoranda: | ||
| Average total assets | $454,462,600 | 1,524 |
| Average earning assets | $426,567,800 | 1,508 |
| Average equity | $54,418,200 | 1,420 |
| Average total loans | $357,235,000 | 1,376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 3,552 |
| Cost of funding earning assets | 0.7182% | 1,756 |
| Net interest margin | 3.4077% | 3,986 |
| Noninterest income to average assets | 0.2949% | 4,176 |
| Noninterest expense to average assets | 2.1864% | 4,349 |
| Loan and lease loss provision to assets | 0.1301% | 1,551 |
| Net operating income to assets | 0.8314% | 3,810 |
| Return on assets (ROA) | 0.8314% | 3,817 |
| Pretax return on assets | 1.1723% | 3,111 |
| Return on Equity (ROE) | 6.8774% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.8774% | 2,191 |
| Net charge-offs to loans | 0.1345% | 1,202 |
| Credit loss provision to net charge-offs | 123.9316% | 1,950 |
| Earnings coverage of net charge-offs (x) | 12.4074% | 2,453 |
| Efficiency ratio | 62.6693% | 3,400 |
| Assets per employee ($millions) | 7.2362% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 5,142 |
| Loan loss allowance to noncurrent loans | 71.0076% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.3229% | 192 |
| Noncurrent loans to loans | 0.7593% | 2,188 |
| Net loans and leases to total assets | 80.2676% | 979 |
| Net loans and leases to deposits | 92.0586% | 1,616 |
| Net loans and leases to core deposits | 128.9825% | 351 |
| Total domestic deposits to total assets | 87.1918% | 1,643 |
| Equity capital to assets | 12.2831% | 1,712 |
| Core capital (leverage) ratio | 12.3784% | 1,568 |
| Tier 1 risk-based capital ratio | 16.8254% | 2,162 |
| Total risk-based capital ratio | 17.4074% | 2,335 |
| Memoranda: | ||
| Average total assets | $445,835,500 | 1,555 |
| Average earning assets | $417,872,500 | 1,540 |
| Average equity | $53,895,250 | 1,439 |
| Average total loans | $347,985,250 | 1,414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,588 |
| Cost of funding earning assets | 0.6638% | 1,847 |
| Net interest margin | 3.3933% | 3,973 |
| Noninterest income to average assets | 0.2508% | 4,509 |
| Noninterest expense to average assets | 2.1726% | 4,430 |
| Loan and lease loss provision to assets | 0.1573% | 1,194 |
| Net operating income to assets | 0.7795% | 3,924 |
| Return on assets (ROA) | 0.7795% | 3,927 |
| Pretax return on assets | 1.0991% | 3,319 |
| Return on Equity (ROE) | 6.4833% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,317 |
| Net charge-offs to loans | 0.1375% | 1,091 |
| Credit loss provision to net charge-offs | 148.3051% | 1,588 |
| Earnings coverage of net charge-offs (x) | 11.8432% | 2,240 |
| Efficiency ratio | 63.3587% | 3,406 |
| Assets per employee ($millions) | 7.2263% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 5,166 |
| Loan loss allowance to noncurrent loans | 71.5782% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 3.3884% | 192 |
| Noncurrent loans to loans | 0.7933% | 2,146 |
| Net loans and leases to total assets | 76.2372% | 1,597 |
| Net loans and leases to deposits | 86.7437% | 2,246 |
| Net loans and leases to core deposits | 128.0136% | 370 |
| Total domestic deposits to total assets | 87.8879% | 1,437 |
| Equity capital to assets | 11.9105% | 1,919 |
| Core capital (leverage) ratio | 12.4525% | 1,464 |
| Tier 1 risk-based capital ratio | 17.3663% | 1,975 |
| Total risk-based capital ratio | 17.9878% | 2,128 |
| Memoranda: | ||
| Average total assets | $444,900,000 | 1,569 |
| Average earning assets | $416,708,670 | 1,553 |
| Average equity | $53,491,330 | 1,449 |
| Average total loans | $343,291,670 | 1,432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,555 |
| Cost of funding earning assets | 0.6164% | 1,935 |
| Net interest margin | 3.3979% | 3,891 |
| Noninterest income to average assets | 0.2547% | 4,473 |
| Noninterest expense to average assets | 2.2532% | 4,285 |
| Loan and lease loss provision to assets | 0.2047% | 805 |
| Net operating income to assets | 0.6923% | 4,129 |
| Return on assets (ROA) | 0.6923% | 4,139 |
| Pretax return on assets | 0.9761% | 3,617 |
| Return on Equity (ROE) | 5.7298% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.7298% | 2,840 |
| Net charge-offs to loans | 0.2750% | 562 |
| Credit loss provision to net charge-offs | 96.1538% | 1,626 |
| Earnings coverage of net charge-offs (x) | 5.5470% | 2,225 |
| Efficiency ratio | 65.6159% | 3,232 |
| Assets per employee ($millions) | 7.6405% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 5,267 |
| Loan loss allowance to noncurrent loans | 112.9405% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 3.3761% | 212 |
| Noncurrent loans to loans | 0.4819% | 3,071 |
| Net loans and leases to total assets | 76.6545% | 1,434 |
| Net loans and leases to deposits | 87.4576% | 1,998 |
| Net loans and leases to core deposits | 122.0230% | 523 |
| Total domestic deposits to total assets | 87.6476% | 1,822 |
| Equity capital to assets | 12.0372% | 1,758 |
| Core capital (leverage) ratio | 12.3797% | 1,440 |
| Tier 1 risk-based capital ratio | 17.4247% | 1,999 |
| Total risk-based capital ratio | 18.0200% | 2,137 |
| Memoranda: | ||
| Average total assets | $439,723,000 | 1,598 |
| Average earning assets | $411,434,500 | 1,577 |
| Average equity | $53,125,500 | 1,462 |
| Average total loans | $340,410,000 | 1,446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 3,112 |
| Cost of funding earning assets | 0.4779% | 2,520 |
| Net interest margin | 3.6057% | 3,145 |
| Noninterest income to average assets | 0.0295% | 5,571 |
| Noninterest expense to average assets | 2.2857% | 4,374 |
| Loan and lease loss provision to assets | 0.1013% | 2,203 |
| Net operating income to assets | 0.5731% | 4,129 |
| Return on assets (ROA) | 0.5731% | 4,163 |
| Pretax return on assets | 1.0040% | 3,551 |
| Return on Equity (ROE) | 4.5398% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.5398% | 2,430 |
| Net charge-offs to loans | 0.0433% | 2,928 |
| Credit loss provision to net charge-offs | 305.1471% | 923 |
| Earnings coverage of net charge-offs (x) | 33.3088% | 1,439 |
| Efficiency ratio | 67.4054% | 3,020 |
| Assets per employee ($millions) | 7.2716% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 5,324 |
| Loan loss allowance to noncurrent loans | 74.9197% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.5077% | 192 |
| Noncurrent loans to loans | 0.7345% | 2,374 |
| Net loans and leases to total assets | 77.3328% | 1,374 |
| Net loans and leases to deposits | 88.2931% | 1,986 |
| Net loans and leases to core deposits | 124.4556% | 473 |
| Total domestic deposits to total assets | 87.5864% | 1,714 |
| Equity capital to assets | 12.1267% | 1,744 |
| Core capital (leverage) ratio | 12.5393% | 1,333 |
| Tier 1 risk-based capital ratio | 17.5161% | 1,939 |
| Total risk-based capital ratio | 18.1257% | 2,078 |
| Memoranda: | ||
| Average total assets | $409,859,800 | 1,666 |
| Average earning assets | $382,092,800 | 1,662 |
| Average equity | $51,742,200 | 1,479 |
| Average total loans | $314,286,600 | 1,509 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,010 |
| Cost of funding earning assets | 0.4512% | 2,705 |
| Net interest margin | 3.6414% | 2,992 |
| Noninterest income to average assets | -0.0503% | 5,706 |
| Noninterest expense to average assets | 2.2807% | 4,347 |
| Loan and lease loss provision to assets | 0.1098% | 1,943 |
| Net operating income to assets | 0.5720% | 4,497 |
| Return on assets (ROA) | 0.5720% | 4,538 |
| Pretax return on assets | 0.9506% | 3,867 |
| Return on Equity (ROE) | 4.4831% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.4831% | 3,233 |
| Net charge-offs to loans | 0.0554% | 2,342 |
| Credit loss provision to net charge-offs | 259.3750% | 1,101 |
| Earnings coverage of net charge-offs (x) | 25.0550% | 1,746 |
| Efficiency ratio | 68.2632% | 2,827 |
| Assets per employee ($millions) | 7.2337% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5581% | 5,395 |
| Loan loss allowance to noncurrent loans | 64.4604% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 3.6031% | 205 |
| Noncurrent loans to loans | 0.8658% | 2,206 |
| Net loans and leases to total assets | 76.1007% | 1,577 |
| Net loans and leases to deposits | 87.3719% | 2,141 |
| Net loans and leases to core deposits | 115.9409% | 752 |
| Total domestic deposits to total assets | 87.0997% | 1,827 |
| Equity capital to assets | 12.5521% | 1,631 |
| Core capital (leverage) ratio | 12.5406% | 1,404 |
| Tier 1 risk-based capital ratio | 18.1805% | 1,809 |
| Total risk-based capital ratio | 18.7949% | 1,939 |
| Memoranda: | ||
| Average total assets | $403,251,000 | 1,701 |
| Average earning assets | $375,560,000 | 1,700 |
| Average equity | $51,450,750 | 1,503 |
| Average total loans | $308,041,750 | 1,542 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 2,975 |
| Cost of funding earning assets | 0.4152% | 2,928 |
| Net interest margin | 3.6444% | 2,858 |
| Noninterest income to average assets | -0.2147% | 5,770 |
| Noninterest expense to average assets | 2.3016% | 4,344 |
| Loan and lease loss provision to assets | 0.1217% | 1,705 |
| Net operating income to assets | 0.4570% | 4,836 |
| Return on assets (ROA) | 0.4570% | 4,860 |
| Pretax return on assets | 0.7511% | 4,430 |
| Return on Equity (ROE) | 3.5614% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.5614% | 3,586 |
| Net charge-offs to loans | 0.0797% | 1,824 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 14.3471% | 2,076 |
| Efficiency ratio | 72.5055% | 2,264 |
| Assets per employee ($millions) | 7.0488% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 5,466 |
| Loan loss allowance to noncurrent loans | 115.3950% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 3.3799% | 245 |
| Noncurrent loans to loans | 0.4689% | 3,336 |
| Net loans and leases to total assets | 76.8331% | 1,409 |
| Net loans and leases to deposits | 88.5683% | 1,916 |
| Net loans and leases to core deposits | 118.8728% | 602 |
| Total domestic deposits to total assets | 86.7501% | 2,066 |
| Equity capital to assets | 12.7008% | 1,523 |
| Core capital (leverage) ratio | 12.9458% | 1,194 |
| Tier 1 risk-based capital ratio | 18.1885% | 1,800 |
| Total risk-based capital ratio | 18.7839% | 1,950 |
| Memoranda: | ||
| Average total assets | $397,816,000 | 1,728 |
| Average earning assets | $369,935,670 | 1,721 |
| Average equity | $51,046,670 | 1,515 |
| Average total loans | $303,696,670 | 1,560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,026 |
| Cost of funding earning assets | 0.3966% | 3,024 |
| Net interest margin | 3.6078% | 2,865 |
| Noninterest income to average assets | -0.7372% | 5,854 |
| Noninterest expense to average assets | 2.4878% | 3,845 |
| Loan and lease loss provision to assets | 0.0887% | 2,058 |
| Net operating income to assets | 0.0306% | 5,590 |
| Return on assets (ROA) | 0.0306% | 5,597 |
| Pretax return on assets | 0.0347% | 5,581 |
| Return on Equity (ROE) | 0.2371% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.2371% | 4,860 |
| Net charge-offs to loans | 0.0551% | 1,785 |
| Credit loss provision to net charge-offs | 212.1951% | 978 |
| Earnings coverage of net charge-offs (x) | 2.9512% | 2,531 |
| Efficiency ratio | 95.2753% | 338 |
| Assets per employee ($millions) | 7.2234% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 5,562 |
| Loan loss allowance to noncurrent loans | 89.8296% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 3.5631% | 234 |
| Noncurrent loans to loans | 0.5988% | 3,022 |
| Net loans and leases to total assets | 76.0441% | 1,413 |
| Net loans and leases to deposits | 89.9403% | 1,542 |
| Net loans and leases to core deposits | 111.5297% | 795 |
| Total domestic deposits to total assets | 84.5495% | 3,281 |
| Equity capital to assets | 12.7615% | 1,374 |
| Core capital (leverage) ratio | 13.2048% | 1,069 |
| Tier 1 risk-based capital ratio | 18.5126% | 1,739 |
| Total risk-based capital ratio | 19.1019% | 1,876 |
| Memoranda: | ||
| Average total assets | $392,307,500 | 1,762 |
| Average earning assets | $364,100,000 | 1,757 |
| Average equity | $50,607,500 | 1,526 |
| Average total loans | $297,631,000 | 1,590 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 2,848 |
| Cost of funding earning assets | 0.3938% | 3,055 |
| Net interest margin | 3.7068% | 2,666 |
| Noninterest income to average assets | 0.2836% | 4,714 |
| Noninterest expense to average assets | 2.0969% | 5,006 |
| Loan and lease loss provision to assets | 0.0891% | 2,585 |
| Net operating income to assets | 0.9128% | 2,759 |
| Return on assets (ROA) | 0.9227% | 2,831 |
| Pretax return on assets | 1.5305% | 1,491 |
| Return on Equity (ROE) | 6.9458% | 3,498 |
| Retained earnings to average equity (ytd only) | 3.9162% | 3,138 |
| Net charge-offs to loans | 0.1478% | 1,788 |
| Credit loss provision to net charge-offs | 79.8077% | 2,978 |
| Earnings coverage of net charge-offs (x) | 14.3702% | 2,299 |
| Efficiency ratio | 56.6592% | 4,997 |
| Assets per employee ($millions) | 7.4486% | 747 |
| Cash dividends to net income (ytd only)* | 43.6173% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 5,609 |
| Loan loss allowance to noncurrent loans | 81.6452% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 3.9336% | 196 |
| Noncurrent loans to loans | 0.6672% | 2,860 |
| Net loans and leases to total assets | 74.8530% | 1,712 |
| Net loans and leases to deposits | 91.2411% | 1,542 |
| Net loans and leases to core deposits | 105.9110% | 1,136 |
| Total domestic deposits to total assets | 82.0386% | 4,063 |
| Equity capital to assets | 13.0420% | 1,238 |
| Core capital (leverage) ratio | 13.4328% | 993 |
| Tier 1 risk-based capital ratio | 18.8297% | 1,640 |
| Total risk-based capital ratio | 19.4126% | 1,773 |
| Memoranda: | ||
| Average total assets | $372,699,600 | 1,799 |
| Average earning assets | $343,583,600 | 1,810 |
| Average equity | $49,512,000 | 1,531 |
| Average total loans | $281,532,000 | 1,614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 2,847 |
| Cost of funding earning assets | 0.3982% | 3,040 |
| Net interest margin | 3.7096% | 2,680 |
| Noninterest income to average assets | 0.2619% | 4,897 |
| Noninterest expense to average assets | 2.1175% | 4,974 |
| Loan and lease loss provision to assets | 0.0632% | 2,976 |
| Net operating income to assets | 0.9017% | 2,894 |
| Return on assets (ROA) | 0.9151% | 2,955 |
| Pretax return on assets | 1.5185% | 1,657 |
| Return on Equity (ROE) | 6.8558% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.7959% | 4,217 |
| Net charge-offs to loans | 0.1271% | 1,689 |
| Credit loss provision to net charge-offs | 65.7895% | 2,847 |
| Earnings coverage of net charge-offs (x) | 16.2405% | 2,128 |
| Efficiency ratio | 57.5680% | 4,879 |
| Assets per employee ($millions) | 7.4934% | 719 |
| Cash dividends to net income (ytd only)* | 59.2183% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 5,666 |
| Loan loss allowance to noncurrent loans | 58.6424% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 4.3417% | 183 |
| Noncurrent loans to loans | 0.9381% | 2,367 |
| Net loans and leases to total assets | 76.2821% | 1,482 |
| Net loans and leases to deposits | 88.6822% | 1,933 |
| Net loans and leases to core deposits | 102.3371% | 1,460 |
| Total domestic deposits to total assets | 86.0173% | 2,337 |
| Equity capital to assets | 13.4478% | 1,272 |
| Core capital (leverage) ratio | 13.2193% | 1,103 |
| Tier 1 risk-based capital ratio | 18.9158% | 1,688 |
| Total risk-based capital ratio | 19.5093% | 1,818 |
| Memoranda: | ||
| Average total assets | $369,043,000 | 1,816 |
| Average earning assets | $339,864,250 | 1,830 |
| Average equity | $49,261,250 | 1,545 |
| Average total loans | $279,036,750 | 1,621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 2,996 |
| Cost of funding earning assets | 0.3862% | 3,190 |
| Net interest margin | 3.6824% | 2,771 |
| Noninterest income to average assets | 0.2724% | 4,831 |
| Noninterest expense to average assets | 2.1342% | 4,984 |
| Loan and lease loss provision to assets | 0.0735% | 2,671 |
| Net operating income to assets | 0.8731% | 2,991 |
| Return on assets (ROA) | 0.8933% | 3,017 |
| Pretax return on assets | 1.4822% | 1,732 |
| Return on Equity (ROE) | 6.7094% | 3,693 |
| Retained earnings to average equity (ytd only) | 0.5728% | 5,137 |
| Net charge-offs to loans | 0.1962% | 1,167 |
| Credit loss provision to net charge-offs | 49.8155% | 2,678 |
| Earnings coverage of net charge-offs (x) | 10.3247% | 2,342 |
| Efficiency ratio | 58.3383% | 4,857 |
| Assets per employee ($millions) | 8.8978% | 406 |
| Cash dividends to net income (ytd only)* | 91.4634% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5413% | 5,753 |
| Loan loss allowance to noncurrent loans | 73.0385% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 4.0966% | 209 |
| Noncurrent loans to loans | 0.7412% | 2,886 |
| Net loans and leases to total assets | 73.7590% | 1,888 |
| Net loans and leases to deposits | 88.3106% | 1,949 |
| Net loans and leases to core deposits | 106.6570% | 1,124 |
| Total domestic deposits to total assets | 83.5223% | 3,457 |
| Equity capital to assets | 12.9535% | 1,530 |
| Core capital (leverage) ratio | 13.6551% | 927 |
| Tier 1 risk-based capital ratio | 18.5131% | 1,798 |
| Total risk-based capital ratio | 19.0876% | 1,938 |
| Memoranda: | ||
| Average total assets | $367,167,330 | 1,825 |
| Average earning assets | $337,607,000 | 1,841 |
| Average equity | $48,886,670 | 1,555 |
| Average total loans | $276,253,330 | 1,638 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 2,597 |
| Cost of funding earning assets | 0.3955% | 3,128 |
| Net interest margin | 3.7718% | 2,397 |
| Noninterest income to average assets | 0.2615% | 4,859 |
| Noninterest expense to average assets | 2.2546% | 4,773 |
| Loan and lease loss provision to assets | 0.1502% | 1,411 |
| Net operating income to assets | 0.7954% | 3,271 |
| Return on assets (ROA) | 0.7990% | 3,369 |
| Pretax return on assets | 1.3220% | 2,211 |
| Return on Equity (ROE) | 5.9156% | 4,028 |
| Retained earnings to average equity (ytd only) | -6.4429% | 5,692 |
| Net charge-offs to loans | 0.4315% | 525 |
| Credit loss provision to net charge-offs | 45.9184% | 2,089 |
| Earnings coverage of net charge-offs (x) | 4.4830% | 2,428 |
| Efficiency ratio | 60.5861% | 4,668 |
| Assets per employee ($millions) | 7.6703% | 651 |
| Cash dividends to net income (ytd only)* | 208.9136% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,810 |
| Loan loss allowance to noncurrent loans | 49.6066% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 4.6895% | 182 |
| Noncurrent loans to loans | 1.1243% | 2,145 |
| Net loans and leases to total assets | 74.8278% | 1,590 |
| Net loans and leases to deposits | 87.2498% | 1,910 |
| Net loans and leases to core deposits | 106.5311% | 1,047 |
| Total domestic deposits to total assets | 85.7627% | 2,780 |
| Equity capital to assets | 13.4006% | 1,220 |
| Core capital (leverage) ratio | 13.3232% | 1,045 |
| Tier 1 risk-based capital ratio | 18.4724% | 1,860 |
| Total risk-based capital ratio | 19.0478% | 2,003 |
| Memoranda: | ||
| Average total assets | $359,447,500 | 1,866 |
| Average earning assets | $329,706,000 | 1,885 |
| Average equity | $48,549,500 | 1,560 |
| Average total loans | $272,508,500 | 1,653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 2,859 |
| Cost of funding earning assets | 0.4049% | 3,101 |
| Net interest margin | 3.7096% | 2,716 |
| Noninterest income to average assets | 0.4098% | 3,959 |
| Noninterest expense to average assets | 2.1072% | 5,242 |
| Loan and lease loss provision to assets | 0.3209% | 511 |
| Net operating income to assets | 0.8370% | 3,174 |
| Return on assets (ROA) | 0.8417% | 3,220 |
| Pretax return on assets | 1.3944% | 1,928 |
| Return on Equity (ROE) | 6.3914% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.3914% | 1,608 |
| Net charge-offs to loans | 0.4168% | 687 |
| Credit loss provision to net charge-offs | 101.8683% | 2,460 |
| Earnings coverage of net charge-offs (x) | 5.4217% | 3,391 |
| Efficiency ratio | 55.2307% | 5,415 |
| Assets per employee ($millions) | 8.1452% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 5,781 |
| Loan loss allowance to noncurrent loans | 49.4382% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 4.8031% | 187 |
| Noncurrent loans to loans | 1.2355% | 1,911 |
| Net loans and leases to total assets | 75.9156% | 1,437 |
| Net loans and leases to deposits | 92.2832% | 1,370 |
| Net loans and leases to core deposits | 111.2654% | 803 |
| Total domestic deposits to total assets | 82.2637% | 4,093 |
| Equity capital to assets | 13.6134% | 1,081 |
| Core capital (leverage) ratio | 13.8095% | 871 |
| Tier 1 risk-based capital ratio | 18.6392% | 1,793 |
| Total risk-based capital ratio | 19.2706% | 1,916 |
| Memoranda: | ||
| Average total assets | $356,778,000 | 1,837 |
| Average earning assets | $327,526,000 | 1,856 |
| Average equity | $46,985,200 | 1,574 |
| Average total loans | $269,650,000 | 1,620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,985 |
| Cost of funding earning assets | 0.4085% | 3,137 |
| Net interest margin | 3.6815% | 2,841 |
| Noninterest income to average assets | 0.3218% | 4,640 |
| Noninterest expense to average assets | 2.0730% | 5,334 |
| Loan and lease loss provision to assets | 0.4220% | 272 |
| Net operating income to assets | 0.7308% | 3,762 |
| Return on assets (ROA) | 0.7370% | 3,837 |
| Pretax return on assets | 1.2185% | 2,739 |
| Return on Equity (ROE) | 5.6444% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.6444% | 2,492 |
| Net charge-offs to loans | 0.5051% | 477 |
| Credit loss provision to net charge-offs | 110.8055% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.2819% | 3,376 |
| Efficiency ratio | 55.9697% | 5,356 |
| Assets per employee ($millions) | 7.8951% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6537% | 5,813 |
| Loan loss allowance to noncurrent loans | 45.9072% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.9018% | 204 |
| Noncurrent loans to loans | 1.4239% | 1,778 |
| Net loans and leases to total assets | 75.3312% | 1,486 |
| Net loans and leases to deposits | 87.9248% | 1,914 |
| Net loans and leases to core deposits | 108.7854% | 940 |
| Total domestic deposits to total assets | 85.6769% | 2,701 |
| Equity capital to assets | 13.4534% | 1,247 |
| Core capital (leverage) ratio | 13.4015% | 1,057 |
| Tier 1 risk-based capital ratio | 18.7688% | 1,831 |
| Total risk-based capital ratio | 19.4527% | 1,944 |
| Memoranda: | ||
| Average total assets | $356,375,000 | 1,853 |
| Average earning assets | $327,398,500 | 1,867 |
| Average equity | $46,534,250 | 1,594 |
| Average total loans | $268,697,500 | 1,631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,046 |
| Cost of funding earning assets | 0.4098% | 3,164 |
| Net interest margin | 3.6495% | 2,908 |
| Noninterest income to average assets | 0.3313% | 4,583 |
| Noninterest expense to average assets | 2.0452% | 5,450 |
| Loan and lease loss provision to assets | 0.5926% | 154 |
| Net operating income to assets | 0.6354% | 4,194 |
| Return on assets (ROA) | 0.6447% | 4,257 |
| Pretax return on assets | 1.0635% | 3,326 |
| Return on Equity (ROE) | 4.9877% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.9877% | 2,874 |
| Net charge-offs to loans | 0.7062% | 323 |
| Credit loss provision to net charge-offs | 111.4979% | 1,909 |
| Earnings coverage of net charge-offs (x) | 3.0886% | 3,243 |
| Efficiency ratio | 55.4745% | 5,478 |
| Assets per employee ($millions) | 7.9490% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 5,891 |
| Loan loss allowance to noncurrent loans | 49.0114% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 4.8146% | 243 |
| Noncurrent loans to loans | 1.3354% | 2,011 |
| Net loans and leases to total assets | 74.6847% | 1,552 |
| Net loans and leases to deposits | 86.3019% | 2,021 |
| Net loans and leases to core deposits | 108.7912% | 906 |
| Total domestic deposits to total assets | 86.5389% | 2,408 |
| Equity capital to assets | 13.0454% | 1,381 |
| Core capital (leverage) ratio | 13.3005% | 1,053 |
| Tier 1 risk-based capital ratio | 18.3753% | 1,960 |
| Total risk-based capital ratio | 19.0561% | 2,080 |
| Memoranda: | ||
| Average total assets | $356,740,330 | 1,866 |
| Average earning assets | $327,991,330 | 1,874 |
| Average equity | $46,113,330 | 1,614 |
| Average total loans | $268,464,330 | 1,637 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,105 |
| Cost of funding earning assets | 0.4142% | 3,145 |
| Net interest margin | 3.6194% | 2,929 |
| Noninterest income to average assets | 0.3312% | 4,539 |
| Noninterest expense to average assets | 2.1097% | 5,355 |
| Loan and lease loss provision to assets | 1.1789% | 60 |
| Net operating income to assets | 0.2362% | 5,599 |
| Return on assets (ROA) | 0.2549% | 5,643 |
| Pretax return on assets | 0.4076% | 5,421 |
| Return on Equity (ROE) | 1.9809% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.9809% | 4,683 |
| Net charge-offs to loans | 1.4897% | 127 |
| Credit loss provision to net charge-offs | 105.1051% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.3884% | 2,926 |
| Efficiency ratio | 57.5321% | 5,390 |
| Assets per employee ($millions) | 7.9868% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 6,023 |
| Loan loss allowance to noncurrent loans | 53.0053% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.0775% | 369 |
| Noncurrent loans to loans | 1.1829% | 2,406 |
| Net loans and leases to total assets | 75.0559% | 1,345 |
| Net loans and leases to deposits | 86.4814% | 1,776 |
| Net loans and leases to core deposits | 111.2648% | 695 |
| Total domestic deposits to total assets | 86.7886% | 2,503 |
| Equity capital to assets | 12.8308% | 1,497 |
| Core capital (leverage) ratio | 13.1577% | 1,108 |
| Tier 1 risk-based capital ratio | 17.7824% | 2,208 |
| Total risk-based capital ratio | 18.4321% | 2,369 |
| Memoranda: | ||
| Average total assets | $356,258,000 | 1,864 |
| Average earning assets | $328,338,000 | 1,876 |
| Average equity | $45,838,000 | 1,629 |
| Average total loans | $268,241,000 | 1,637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,699 |
| Cost of funding earning assets | 0.4209% | 3,470 |
| Net interest margin | 3.5880% | 3,452 |
| Noninterest income to average assets | 0.4487% | 3,837 |
| Noninterest expense to average assets | 2.0959% | 5,580 |
| Loan and lease loss provision to assets | 0.4140% | 425 |
| Net operating income to assets | 0.7391% | 3,684 |
| Return on assets (ROA) | 0.7392% | 3,788 |
| Pretax return on assets | 1.2358% | 2,503 |
| Return on Equity (ROE) | 6.0049% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.2949% | 3,883 |
| Net charge-offs to loans | 0.5737% | 705 |
| Credit loss provision to net charge-offs | 99.3992% | 2,447 |
| Earnings coverage of net charge-offs (x) | 3.9606% | 3,775 |
| Efficiency ratio | 55.9605% | 5,669 |
| Assets per employee ($millions) | 7.8468% | 563 |
| Cash dividends to net income (ytd only)* | 45.1297% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 6,113 |
| Loan loss allowance to noncurrent loans | 40.9271% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 4.3834% | 360 |
| Noncurrent loans to loans | 1.5221% | 1,928 |
| Net loans and leases to total assets | 74.5868% | 1,480 |
| Net loans and leases to deposits | 85.9855% | 1,990 |
| Net loans and leases to core deposits | 107.8593% | 900 |
| Total domestic deposits to total assets | 86.7434% | 2,425 |
| Equity capital to assets | 12.9029% | 1,414 |
| Core capital (leverage) ratio | 13.1103% | 1,094 |
| Tier 1 risk-based capital ratio | 18.6258% | 1,952 |
| Total risk-based capital ratio | 19.2891% | 2,088 |
| Memoranda: | ||
| Average total assets | $359,698,000 | 1,814 |
| Average earning assets | $330,492,800 | 1,817 |
| Average equity | $44,280,600 | 1,630 |
| Average total loans | $261,123,600 | 1,625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,815 |
| Cost of funding earning assets | 0.4188% | 3,591 |
| Net interest margin | 3.5669% | 3,568 |
| Noninterest income to average assets | 0.6132% | 2,787 |
| Noninterest expense to average assets | 2.1028% | 5,563 |
| Loan and lease loss provision to assets | 0.4479% | 350 |
| Net operating income to assets | 0.7966% | 3,443 |
| Return on assets (ROA) | 0.7966% | 3,544 |
| Pretax return on assets | 1.3372% | 2,245 |
| Return on Equity (ROE) | 6.5481% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.9086% | 4,523 |
| Net charge-offs to loans | 0.6335% | 570 |
| Credit loss provision to net charge-offs | 98.2201% | 2,271 |
| Earnings coverage of net charge-offs (x) | 3.9142% | 3,569 |
| Efficiency ratio | 54.0856% | 5,815 |
| Assets per employee ($millions) | 7.7427% | 579 |
| Cash dividends to net income (ytd only)* | 55.5814% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 6,193 |
| Loan loss allowance to noncurrent loans | 39.2429% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 4.4334% | 416 |
| Noncurrent loans to loans | 1.5897% | 2,041 |
| Net loans and leases to total assets | 73.2627% | 1,637 |
| Net loans and leases to deposits | 84.4914% | 2,089 |
| Net loans and leases to core deposits | 108.6211% | 818 |
| Total domestic deposits to total assets | 86.7103% | 2,475 |
| Equity capital to assets | 12.5426% | 1,667 |
| Core capital (leverage) ratio | 12.9532% | 1,199 |
| Tier 1 risk-based capital ratio | 18.5082% | 2,048 |
| Total risk-based capital ratio | 19.1693% | 2,197 |
| Memoranda: | ||
| Average total assets | $361,345,500 | 1,815 |
| Average earning assets | $331,741,500 | 1,821 |
| Average equity | $43,960,500 | 1,643 |
| Average total loans | $260,148,750 | 1,634 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,865 |
| Cost of funding earning assets | 0.4145% | 3,709 |
| Net interest margin | 3.5518% | 3,565 |
| Noninterest income to average assets | 0.7492% | 2,053 |
| Noninterest expense to average assets | 2.1208% | 5,585 |
| Loan and lease loss provision to assets | 0.6599% | 207 |
| Net operating income to assets | 0.7244% | 3,706 |
| Return on assets (ROA) | 0.7244% | 3,800 |
| Pretax return on assets | 1.2251% | 2,552 |
| Return on Equity (ROE) | 6.0151% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.0151% | 2,316 |
| Net charge-offs to loans | 0.9555% | 372 |
| Credit loss provision to net charge-offs | 96.6909% | 2,067 |
| Earnings coverage of net charge-offs (x) | 2.7619% | 3,473 |
| Efficiency ratio | 52.9428% | 6,000 |
| Assets per employee ($millions) | 7.9071% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 6,266 |
| Loan loss allowance to noncurrent loans | 37.5464% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.5595% | 425 |
| Noncurrent loans to loans | 1.6861% | 2,058 |
| Net loans and leases to total assets | 69.8650% | 2,108 |
| Net loans and leases to deposits | 80.2198% | 2,490 |
| Net loans and leases to core deposits | 105.3623% | 938 |
| Total domestic deposits to total assets | 87.0919% | 2,405 |
| Equity capital to assets | 12.3326% | 1,753 |
| Core capital (leverage) ratio | 13.0406% | 1,143 |
| Tier 1 risk-based capital ratio | 18.9966% | 1,926 |
| Total risk-based capital ratio | 19.6626% | 2,058 |
| Memoranda: | ||
| Average total assets | $363,073,330 | 1,802 |
| Average earning assets | $332,902,330 | 1,811 |
| Average equity | $43,723,330 | 1,643 |
| Average total loans | $259,341,000 | 1,633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 3,928 |
| Cost of funding earning assets | 0.4046% | 3,917 |
| Net interest margin | 3.5363% | 3,540 |
| Noninterest income to average assets | 1.1380% | 861 |
| Noninterest expense to average assets | 2.2330% | 5,375 |
| Loan and lease loss provision to assets | 1.2968% | 82 |
| Net operating income to assets | 0.4819% | 4,779 |
| Return on assets (ROA) | 0.4819% | 4,852 |
| Pretax return on assets | 0.8469% | 3,915 |
| Return on Equity (ROE) | 4.0504% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.0504% | 3,682 |
| Net charge-offs to loans | 1.8656% | 145 |
| Credit loss provision to net charge-offs | 96.5517% | 1,732 |
| Earnings coverage of net charge-offs (x) | 1.5961% | 3,060 |
| Efficiency ratio | 51.0204% | 6,191 |
| Assets per employee ($millions) | 7.9798% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 6,370 |
| Loan loss allowance to noncurrent loans | 36.3514% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 4.8182% | 440 |
| Noncurrent loans to loans | 1.7367% | 2,231 |
| Net loans and leases to total assets | 69.3821% | 1,996 |
| Net loans and leases to deposits | 79.1266% | 2,417 |
| Net loans and leases to core deposits | 107.1047% | 713 |
| Total domestic deposits to total assets | 87.6849% | 2,412 |
| Equity capital to assets | 11.8743% | 1,955 |
| Core capital (leverage) ratio | 12.6431% | 1,321 |
| Tier 1 risk-based capital ratio | 18.5172% | 2,117 |
| Total risk-based capital ratio | 19.1781% | 2,306 |
| Memoranda: | ||
| Average total assets | $362,747,000 | 1,812 |
| Average earning assets | $332,214,500 | 1,814 |
| Average equity | $43,156,500 | 1,644 |
| Average total loans | $261,143,500 | 1,629 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,882 |
| Cost of funding earning assets | 0.3658% | 4,995 |
| Net interest margin | 3.6938% | 3,080 |
| Noninterest income to average assets | 0.3172% | 5,066 |
| Noninterest expense to average assets | 2.0359% | 5,954 |
| Loan and lease loss provision to assets | 0.8891% | 220 |
| Net operating income to assets | 0.4946% | 4,755 |
| Return on assets (ROA) | 0.4419% | 5,111 |
| Pretax return on assets | 0.7267% | 4,431 |
| Return on Equity (ROE) | 3.6517% | 5,258 |
| Retained earnings to average equity (ytd only) | -1.7516% | 6,148 |
| Net charge-offs to loans | 1.6550% | 268 |
| Credit loss provision to net charge-offs | 73.2764% | 3,221 |
| Earnings coverage of net charge-offs (x) | 1.3995% | 4,594 |
| Efficiency ratio | 54.5242% | 6,089 |
| Assets per employee ($millions) | 8.1460% | 442 |
| Cash dividends to net income (ytd only)* | 147.9655% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6241% | 6,448 |
| Loan loss allowance to noncurrent loans | 49.7751% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 4.5290% | 550 |
| Noncurrent loans to loans | 1.2538% | 3,030 |
| Net loans and leases to total assets | 73.7474% | 1,395 |
| Net loans and leases to deposits | 84.0637% | 1,934 |
| Net loans and leases to core deposits | 113.3958% | 485 |
| Total domestic deposits to total assets | 87.7280% | 2,351 |
| Equity capital to assets | 11.9205% | 1,852 |
| Core capital (leverage) ratio | 12.2192% | 1,485 |
| Tier 1 risk-based capital ratio | 17.6339% | 2,366 |
| Total risk-based capital ratio | 18.2859% | 2,562 |
| Memoranda: | ||
| Average total assets | $367,017,800 | 1,776 |
| Average earning assets | $339,484,600 | 1,753 |
| Average equity | $44,417,800 | 1,574 |
| Average total loans | $269,069,600 | 1,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,124 |
| Cost of funding earning assets | 0.3625% | 5,168 |
| Net interest margin | 3.6404% | 3,280 |
| Noninterest income to average assets | 0.4020% | 4,524 |
| Noninterest expense to average assets | 2.0222% | 5,968 |
| Loan and lease loss provision to assets | 0.8170% | 232 |
| Net operating income to assets | 0.5700% | 4,473 |
| Return on assets (ROA) | 0.5298% | 4,827 |
| Pretax return on assets | 0.8769% | 3,980 |
| Return on Equity (ROE) | 4.3620% | 5,046 |
| Retained earnings to average equity (ytd only) | -2.7742% | 6,335 |
| Net charge-offs to loans | 1.7111% | 250 |
| Credit loss provision to net charge-offs | 65.3191% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.4046% | 4,367 |
| Efficiency ratio | 53.5124% | 6,144 |
| Assets per employee ($millions) | 8.5020% | 381 |
| Cash dividends to net income (ytd only)* | 163.5993% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5988% | 6,560 |
| Loan loss allowance to noncurrent loans | 18.7842% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 4.2740% | 717 |
| Noncurrent loans to loans | 3.1879% | 1,234 |
| Net loans and leases to total assets | 71.5882% | 1,664 |
| Net loans and leases to deposits | 81.1588% | 2,248 |
| Net loans and leases to core deposits | 115.8210% | 399 |
| Total domestic deposits to total assets | 88.2075% | 1,997 |
| Equity capital to assets | 11.1811% | 2,585 |
| Core capital (leverage) ratio | 11.8228% | 1,796 |
| Tier 1 risk-based capital ratio | 17.0747% | 2,678 |
| Total risk-based capital ratio | 17.7044% | 2,928 |
| Memoranda: | ||
| Average total assets | $369,166,000 | 1,779 |
| Average earning assets | $342,446,750 | 1,755 |
| Average equity | $44,840,750 | 1,576 |
| Average total loans | $269,839,750 | 1,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,986 |
| Cost of funding earning assets | 0.3789% | 5,148 |
| Net interest margin | 3.6561% | 3,152 |
| Noninterest income to average assets | 0.4058% | 4,486 |
| Noninterest expense to average assets | 2.0417% | 5,966 |
| Loan and lease loss provision to assets | 0.6098% | 416 |
| Net operating income to assets | 0.6789% | 3,912 |
| Return on assets (ROA) | 0.6828% | 4,056 |
| Pretax return on assets | 1.1467% | 2,898 |
| Return on Equity (ROE) | 5.4691% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.4691% | 2,762 |
| Net charge-offs to loans | 1.5593% | 329 |
| Credit loss provision to net charge-offs | 53.2312% | 3,155 |
| Earnings coverage of net charge-offs (x) | 1.5280% | 4,023 |
| Efficiency ratio | 53.8395% | 6,158 |
| Assets per employee ($millions) | 7.9115% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 6,496 |
| Loan loss allowance to noncurrent loans | 70.3078% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 3.0131% | 1,341 |
| Noncurrent loans to loans | 0.9913% | 3,954 |
| Net loans and leases to total assets | 71.7690% | 1,615 |
| Net loans and leases to deposits | 82.2523% | 2,032 |
| Net loans and leases to core deposits | 118.1811% | 348 |
| Total domestic deposits to total assets | 87.2547% | 2,685 |
| Equity capital to assets | 12.2265% | 1,758 |
| Core capital (leverage) ratio | 12.8562% | 1,221 |
| Tier 1 risk-based capital ratio | 18.0804% | 2,291 |
| Total risk-based capital ratio | 18.8021% | 2,458 |
| Memoranda: | ||
| Average total assets | $364,691,000 | 1,796 |
| Average earning assets | $337,790,330 | 1,773 |
| Average equity | $45,528,330 | 1,557 |
| Average total loans | $267,939,670 | 1,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 3,659 |
| Cost of funding earning assets | 0.4033% | 5,071 |
| Net interest margin | 3.7132% | 2,799 |
| Noninterest income to average assets | 0.2116% | 5,972 |
| Noninterest expense to average assets | 2.1522% | 5,798 |
| Loan and lease loss provision to assets | 1.1077% | 151 |
| Net operating income to assets | 0.2071% | 5,864 |
| Return on assets (ROA) | 0.2149% | 5,959 |
| Pretax return on assets | 0.4010% | 5,554 |
| Return on Equity (ROE) | 1.7032% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.7032% | 5,129 |
| Net charge-offs to loans | 0.8417% | 716 |
| Credit loss provision to net charge-offs | 177.6199% | 1,198 |
| Earnings coverage of net charge-offs (x) | 2.3996% | 3,041 |
| Efficiency ratio | 58.9860% | 5,721 |
| Assets per employee ($millions) | 7.9310% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 4,995 |
| Loan loss allowance to noncurrent loans | 75.1314% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 3.4066% | 1,271 |
| Noncurrent loans to loans | 1.6509% | 3,065 |
| Net loans and leases to total assets | 71.7382% | 1,397 |
| Net loans and leases to deposits | 83.8378% | 1,614 |
| Net loans and leases to core deposits | 113.0497% | 413 |
| Total domestic deposits to total assets | 85.5678% | 3,760 |
| Equity capital to assets | 12.4923% | 1,720 |
| Core capital (leverage) ratio | 12.6097% | 1,290 |
| Tier 1 risk-based capital ratio | 17.9076% | 2,406 |
| Total risk-based capital ratio | 19.1616% | 2,367 |
| Memoranda: | ||
| Average total assets | $361,116,500 | 1,832 |
| Average earning assets | $334,262,500 | 1,814 |
| Average equity | $45,561,000 | 1,573 |
| Average total loans | $267,540,000 | 1,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 3,207 |
| Cost of funding earning assets | 0.4699% | 5,422 |
| Net interest margin | 4.0813% | 2,079 |
| Noninterest income to average assets | -0.2449% | 6,975 |
| Noninterest expense to average assets | 2.0697% | 6,192 |
| Loan and lease loss provision to assets | 1.0310% | 385 |
| Net operating income to assets | 0.2252% | 5,716 |
| Return on assets (ROA) | 0.3778% | 5,420 |
| Pretax return on assets | 0.6317% | 4,882 |
| Return on Equity (ROE) | 3.0206% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.0206% | 4,108 |
| Net charge-offs to loans | 1.9151% | 395 |
| Credit loss provision to net charge-offs | 69.5619% | 4,183 |
| Earnings coverage of net charge-offs (x) | 0.9609% | 4,983 |
| Efficiency ratio | 59.2392% | 5,661 |
| Assets per employee ($millions) | 7.7698% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,740 |
| Loan loss allowance to noncurrent loans | 77.9967% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 3.4705% | 1,310 |
| Noncurrent loans to loans | 1.3530% | 3,573 |
| Net loans and leases to total assets | 74.7673% | 1,086 |
| Net loans and leases to deposits | 86.1471% | 1,498 |
| Net loans and leases to core deposits | 116.1358% | 355 |
| Total domestic deposits to total assets | 86.7902% | 2,941 |
| Equity capital to assets | 12.7437% | 1,570 |
| Core capital (leverage) ratio | 13.5020% | 943 |
| Tier 1 risk-based capital ratio | 17.7200% | 2,376 |
| Total risk-based capital ratio | 18.8257% | 2,396 |
| Memoranda: | ||
| Average total assets | $358,890,400 | 1,809 |
| Average earning assets | $328,764,800 | 1,801 |
| Average equity | $44,891,400 | 1,551 |
| Average total loans | $277,745,800 | 1,499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 2,916 |
| Cost of funding earning assets | 0.4843% | 5,543 |
| Net interest margin | 4.1885% | 1,770 |
| Noninterest income to average assets | -0.3537% | 7,105 |
| Noninterest expense to average assets | 2.0876% | 6,192 |
| Loan and lease loss provision to assets | 1.2707% | 281 |
| Net operating income to assets | 0.0621% | 6,193 |
| Return on assets (ROA) | 0.1574% | 6,173 |
| Pretax return on assets | 0.2661% | 6,014 |
| Return on Equity (ROE) | 1.2639% | 6,200 |
| Retained earnings to average equity (ytd only) | 1.2639% | 5,668 |
| Net charge-offs to loans | 1.9747% | 370 |
| Credit loss provision to net charge-offs | 82.6654% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.9029% | 4,879 |
| Efficiency ratio | 60.0641% | 5,486 |
| Assets per employee ($millions) | 7.2260% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,554 |
| Loan loss allowance to noncurrent loans | 165.2423% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 3.3236% | 1,530 |
| Noncurrent loans to loans | 0.8207% | 4,776 |
| Net loans and leases to total assets | 78.6651% | 656 |
| Net loans and leases to deposits | 90.9518% | 1,054 |
| Net loans and leases to core deposits | 119.4521% | 323 |
| Total domestic deposits to total assets | 86.4910% | 2,990 |
| Equity capital to assets | 12.9523% | 1,611 |
| Core capital (leverage) ratio | 12.8274% | 1,262 |
| Tier 1 risk-based capital ratio | 16.7272% | 2,884 |
| Total risk-based capital ratio | 17.8589% | 2,908 |
| Memoranda: | ||
| Average total assets | $359,260,750 | 1,833 |
| Average earning assets | $328,445,250 | 1,829 |
| Average equity | $44,727,500 | 1,577 |
| Average total loans | $279,663,500 | 1,504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 2,937 |
| Cost of funding earning assets | 0.4970% | 5,643 |
| Net interest margin | 4.1978% | 1,758 |
| Noninterest income to average assets | -0.1084% | 7,097 |
| Noninterest expense to average assets | 2.0760% | 6,272 |
| Loan and lease loss provision to assets | 1.5129% | 239 |
| Net operating income to assets | 0.0676% | 6,230 |
| Return on assets (ROA) | 0.1497% | 6,211 |
| Pretax return on assets | 0.2614% | 6,033 |
| Return on Equity (ROE) | 1.2180% | 6,259 |
| Retained earnings to average equity (ytd only) | 1.2180% | 5,589 |
| Net charge-offs to loans | 2.0735% | 388 |
| Credit loss provision to net charge-offs | 94.4674% | 2,921 |
| Earnings coverage of net charge-offs (x) | 1.0278% | 4,509 |
| Efficiency ratio | 55.7741% | 6,139 |
| Assets per employee ($millions) | 7.5737% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,753 |
| Loan loss allowance to noncurrent loans | 137.7238% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 3.3394% | 1,614 |
| Noncurrent loans to loans | 1.1312% | 4,266 |
| Net loans and leases to total assets | 74.8792% | 1,118 |
| Net loans and leases to deposits | 85.8292% | 1,626 |
| Net loans and leases to core deposits | 121.9061% | 281 |
| Total domestic deposits to total assets | 87.2421% | 2,624 |
| Equity capital to assets | 12.3142% | 1,926 |
| Core capital (leverage) ratio | 12.2494% | 1,470 |
| Tier 1 risk-based capital ratio | 16.1152% | 3,115 |
| Total risk-based capital ratio | 17.3667% | 3,079 |
| Memoranda: | ||
| Average total assets | $363,397,670 | 1,818 |
| Average earning assets | $331,602,000 | 1,815 |
| Average equity | $44,661,670 | 1,563 |
| Average total loans | $280,684,330 | 1,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 2,397 |
| Cost of funding earning assets | 0.5261% | 5,629 |
| Net interest margin | 4.3337% | 1,369 |
| Noninterest income to average assets | -0.1112% | 7,174 |
| Noninterest expense to average assets | 2.1380% | 6,181 |
| Loan and lease loss provision to assets | 1.0734% | 373 |
| Net operating income to assets | 0.3467% | 5,490 |
| Return on assets (ROA) | 0.3974% | 5,458 |
| Pretax return on assets | 0.6925% | 4,820 |
| Return on Equity (ROE) | 3.2370% | 5,618 |
| Retained earnings to average equity (ytd only) | 3.2370% | 4,626 |
| Net charge-offs to loans | 0.9110% | 1,125 |
| Credit loss provision to net charge-offs | 151.3975% | 1,654 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 3,224 |
| Efficiency ratio | 55.9010% | 6,131 |
| Assets per employee ($millions) | 7.4404% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 3,288 |
| Loan loss allowance to noncurrent loans | 218.8782% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 3.3422% | 1,725 |
| Noncurrent loans to loans | 0.7830% | 5,101 |
| Net loans and leases to total assets | 75.5059% | 861 |
| Net loans and leases to deposits | 86.6151% | 1,336 |
| Net loans and leases to core deposits | 123.3273% | 262 |
| Total domestic deposits to total assets | 87.1740% | 2,849 |
| Equity capital to assets | 12.2889% | 1,860 |
| Core capital (leverage) ratio | 12.4152% | 1,375 |
| Tier 1 risk-based capital ratio | 15.9880% | 3,185 |
| Total risk-based capital ratio | 17.2436% | 3,146 |
| Memoranda: | ||
| Average total assets | $363,327,000 | 1,819 |
| Average earning assets | $329,971,500 | 1,832 |
| Average equity | $44,609,000 | 1,555 |
| Average total loans | $282,765,000 | 1,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 2,846 |
| Cost of funding earning assets | 0.7590% | 5,143 |
| Net interest margin | 4.2499% | 1,884 |
| Noninterest income to average assets | -0.0177% | 7,027 |
| Noninterest expense to average assets | 2.0804% | 6,530 |
| Loan and lease loss provision to assets | 1.1890% | 742 |
| Net operating income to assets | 0.3151% | 5,200 |
| Return on assets (ROA) | 0.3723% | 5,153 |
| Pretax return on assets | 0.6226% | 4,621 |
| Return on Equity (ROE) | 2.9804% | 5,292 |
| Retained earnings to average equity (ytd only) | -1.4383% | 6,081 |
| Net charge-offs to loans | 1.3159% | 1,254 |
| Credit loss provision to net charge-offs | 113.5477% | 2,892 |
| Earnings coverage of net charge-offs (x) | 1.6447% | 4,538 |
| Efficiency ratio | 54.7104% | 6,450 |
| Assets per employee ($millions) | 6.9629% | 754 |
| Cash dividends to net income (ytd only)* | 148.2580% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,728 |
| Loan loss allowance to noncurrent loans | 108.1297% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 4.0379% | 1,421 |
| Noncurrent loans to loans | 1.4479% | 3,996 |
| Net loans and leases to total assets | 77.6034% | 756 |
| Net loans and leases to deposits | 89.7436% | 1,190 |
| Net loans and leases to core deposits | 117.4724% | 409 |
| Total domestic deposits to total assets | 86.4723% | 3,044 |
| Equity capital to assets | 12.2669% | 1,933 |
| Core capital (leverage) ratio | 12.2312% | 1,476 |
| Tier 1 risk-based capital ratio | 15.4880% | 3,332 |
| Total risk-based capital ratio | 16.7356% | 3,291 |
| Memoranda: | ||
| Average total assets | $362,330,600 | 1,795 |
| Average earning assets | $325,704,800 | 1,817 |
| Average equity | $45,262,200 | 1,503 |
| Average total loans | $288,314,600 | 1,484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 2,797 |
| Cost of funding earning assets | 0.7947% | 5,184 |
| Net interest margin | 4.2666% | 1,843 |
| Noninterest income to average assets | -0.1122% | 7,217 |
| Noninterest expense to average assets | 2.0912% | 6,511 |
| Loan and lease loss provision to assets | 1.1048% | 742 |
| Net operating income to assets | 0.3142% | 5,341 |
| Return on assets (ROA) | 0.3142% | 5,518 |
| Pretax return on assets | 0.5276% | 5,052 |
| Return on Equity (ROE) | 2.5039% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.5039% | 4,867 |
| Net charge-offs to loans | 1.3110% | 1,176 |
| Credit loss provision to net charge-offs | 105.6650% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.5612% | 4,466 |
| Efficiency ratio | 56.1605% | 6,261 |
| Assets per employee ($millions) | 6.9246% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 4,348 |
| Loan loss allowance to noncurrent loans | 108.5729% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 3.7239% | 1,676 |
| Noncurrent loans to loans | 1.3320% | 4,305 |
| Net loans and leases to total assets | 76.4254% | 921 |
| Net loans and leases to deposits | 88.8257% | 1,340 |
| Net loans and leases to core deposits | 116.9404% | 472 |
| Total domestic deposits to total assets | 86.0397% | 3,198 |
| Equity capital to assets | 12.5355% | 1,900 |
| Core capital (leverage) ratio | 12.5989% | 1,389 |
| Tier 1 risk-based capital ratio | 15.9325% | 3,149 |
| Total risk-based capital ratio | 17.1848% | 3,105 |
| Memoranda: | ||
| Average total assets | $362,395,000 | 1,802 |
| Average earning assets | $325,813,000 | 1,825 |
| Average equity | $45,474,000 | 1,500 |
| Average total loans | $289,030,750 | 1,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 2,672 |
| Cost of funding earning assets | 0.8365% | 5,151 |
| Net interest margin | 4.2657% | 1,787 |
| Noninterest income to average assets | -0.1480% | 7,313 |
| Noninterest expense to average assets | 2.0751% | 6,641 |
| Loan and lease loss provision to assets | 0.9965% | 876 |
| Net operating income to assets | 0.3752% | 5,054 |
| Return on assets (ROA) | 0.3752% | 5,199 |
| Pretax return on assets | 0.6185% | 4,682 |
| Return on Equity (ROE) | 2.9892% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.9892% | 4,375 |
| Net charge-offs to loans | 1.6316% | 893 |
| Credit loss provision to net charge-offs | 75.8650% | 3,889 |
| Earnings coverage of net charge-offs (x) | 1.2295% | 4,367 |
| Efficiency ratio | 56.2331% | 6,398 |
| Assets per employee ($millions) | 6.6453% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,639 |
| Loan loss allowance to noncurrent loans | 64.4326% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 3.8510% | 1,680 |
| Noncurrent loans to loans | 1.8279% | 3,715 |
| Net loans and leases to total assets | 79.1264% | 631 |
| Net loans and leases to deposits | 92.1327% | 1,047 |
| Net loans and leases to core deposits | 124.4116% | 337 |
| Total domestic deposits to total assets | 85.8831% | 3,389 |
| Equity capital to assets | 12.7523% | 1,648 |
| Core capital (leverage) ratio | 12.7636% | 1,264 |
| Tier 1 risk-based capital ratio | 15.7307% | 3,112 |
| Total risk-based capital ratio | 16.8969% | 3,125 |
| Memoranda: | ||
| Average total assets | $360,858,330 | 1,822 |
| Average earning assets | $324,685,000 | 1,835 |
| Average equity | $45,296,670 | 1,489 |
| Average total loans | $290,507,330 | 1,498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 2,578 |
| Cost of funding earning assets | 0.8624% | 5,193 |
| Net interest margin | 4.2529% | 1,737 |
| Noninterest income to average assets | 0.0321% | 7,211 |
| Noninterest expense to average assets | 2.0372% | 6,763 |
| Loan and lease loss provision to assets | 1.4072% | 466 |
| Net operating income to assets | 0.2509% | 5,613 |
| Return on assets (ROA) | 0.2509% | 5,679 |
| Pretax return on assets | 0.4090% | 5,314 |
| Return on Equity (ROE) | 2.0149% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.0149% | 4,923 |
| Net charge-offs to loans | 1.9651% | 650 |
| Credit loss provision to net charge-offs | 88.7108% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.1449% | 3,805 |
| Efficiency ratio | 52.8686% | 6,792 |
| Assets per employee ($millions) | 6.9517% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 5,097 |
| Loan loss allowance to noncurrent loans | 114.5229% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 3.4505% | 1,976 |
| Noncurrent loans to loans | 1.1408% | 4,797 |
| Net loans and leases to total assets | 79.2649% | 592 |
| Net loans and leases to deposits | 98.5873% | 541 |
| Net loans and leases to core deposits | 128.7968% | 282 |
| Total domestic deposits to total assets | 80.4007% | 5,840 |
| Equity capital to assets | 12.5006% | 1,629 |
| Core capital (leverage) ratio | 12.4218% | 1,362 |
| Tier 1 risk-based capital ratio | 15.3543% | 3,233 |
| Total risk-based capital ratio | 16.6048% | 3,198 |
| Memoranda: | ||
| Average total assets | $361,864,500 | 1,819 |
| Average earning assets | $325,142,000 | 1,845 |
| Average equity | $45,064,500 | 1,488 |
| Average total loans | $292,098,000 | 1,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 2,391 |
| Cost of funding earning assets | 1.0832% | 5,239 |
| Net interest margin | 4.3888% | 1,516 |
| Noninterest income to average assets | -0.1282% | 7,416 |
| Noninterest expense to average assets | 2.0888% | 6,875 |
| Loan and lease loss provision to assets | 1.3754% | 1,096 |
| Net operating income to assets | 0.2844% | 4,982 |
| Return on assets (ROA) | 0.3973% | 4,693 |
| Pretax return on assets | 0.4783% | 4,696 |
| Return on Equity (ROE) | 3.2764% | 4,834 |
| Retained earnings to average equity (ytd only) | 1.0641% | 5,011 |
| Net charge-offs to loans | 1.7003% | 1,273 |
| Credit loss provision to net charge-offs | 99.1108% | 4,666 |
| Earnings coverage of net charge-offs (x) | 1.2378% | 4,863 |
| Efficiency ratio | 54.8735% | 6,728 |
| Assets per employee ($millions) | 6.9662% | 751 |
| Cash dividends to net income (ytd only)* | 67.5219% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,776 |
| Loan loss allowance to noncurrent loans | 290.1687% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 3.1255% | 2,263 |
| Noncurrent loans to loans | 0.4638% | 6,115 |
| Net loans and leases to total assets | 80.0337% | 657 |
| Net loans and leases to deposits | 99.5119% | 608 |
| Net loans and leases to core deposits | 224.7821% | 67 |
| Total domestic deposits to total assets | 80.4263% | 5,714 |
| Equity capital to assets | 12.4064% | 1,692 |
| Core capital (leverage) ratio | 12.4703% | 1,328 |
| Tier 1 risk-based capital ratio | 14.9488% | 3,279 |
| Total risk-based capital ratio | 16.1997% | 3,231 |
| Memoranda: | ||
| Average total assets | $372,756,400 | 1,767 |
| Average earning assets | $334,190,600 | 1,785 |
| Average equity | $45,201,400 | 1,479 |
| Average total loans | $304,241,400 | 1,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5250% | 2,338 |
| Cost of funding earning assets | 1.1145% | 5,351 |
| Net interest margin | 4.4105% | 1,493 |
| Noninterest income to average assets | -0.2699% | 7,624 |
| Noninterest expense to average assets | 2.0707% | 6,912 |
| Loan and lease loss provision to assets | 1.1987% | 1,195 |
| Net operating income to assets | 0.3467% | 4,988 |
| Return on assets (ROA) | 0.4980% | 4,520 |
| Pretax return on assets | 0.5903% | 4,630 |
| Return on Equity (ROE) | 4.1295% | 4,708 |
| Retained earnings to average equity (ytd only) | 1.1841% | 5,342 |
| Net charge-offs to loans | 1.5326% | 1,311 |
| Credit loss provision to net charge-offs | 95.6904% | 4,532 |
| Earnings coverage of net charge-offs (x) | 1.2844% | 4,794 |
| Efficiency ratio | 56.2741% | 6,517 |
| Assets per employee ($millions) | 7.1157% | 731 |
| Cash dividends to net income (ytd only)* | 71.3265% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,942 |
| Loan loss allowance to noncurrent loans | 270.8656% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 3.1593% | 2,278 |
| Noncurrent loans to loans | 0.4816% | 6,230 |
| Net loans and leases to total assets | 80.2519% | 709 |
| Net loans and leases to deposits | 100.4131% | 626 |
| Net loans and leases to core deposits | 191.5856% | 97 |
| Total domestic deposits to total assets | 79.9218% | 5,729 |
| Equity capital to assets | 12.3924% | 1,917 |
| Core capital (leverage) ratio | 12.1893% | 1,566 |
| Tier 1 risk-based capital ratio | 14.6807% | 3,405 |
| Total risk-based capital ratio | 15.9309% | 3,382 |
| Memoranda: | ||
| Average total assets | $375,385,250 | 1,778 |
| Average earning assets | $336,162,750 | 1,801 |
| Average equity | $45,266,500 | 1,485 |
| Average total loans | $306,834,250 | 1,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 2,354 |
| Cost of funding earning assets | 1.1374% | 5,473 |
| Net interest margin | 4.4065% | 1,429 |
| Noninterest income to average assets | 0.0516% | 7,327 |
| Noninterest expense to average assets | 2.0340% | 7,042 |
| Loan and lease loss provision to assets | 1.3832% | 972 |
| Net operating income to assets | 0.5565% | 4,051 |
| Return on assets (ROA) | 0.5565% | 4,196 |
| Pretax return on assets | 0.5786% | 4,633 |
| Return on Equity (ROE) | 4.6556% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.6556% | 3,108 |
| Net charge-offs to loans | 1.6129% | 1,179 |
| Credit loss provision to net charge-offs | 104.7486% | 3,897 |
| Earnings coverage of net charge-offs (x) | 1.4856% | 4,369 |
| Efficiency ratio | 50.9033% | 7,161 |
| Assets per employee ($millions) | 7.8590% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,759 |
| Loan loss allowance to noncurrent loans | 568.2759% | 573 |
| Noncurrent assets plus other real estate owned to assets | 2.9905% | 2,385 |
| Noncurrent loans to loans | 0.2345% | 6,768 |
| Net loans and leases to total assets | 80.8812% | 684 |
| Net loans and leases to deposits | 100.5842% | 672 |
| Net loans and leases to core deposits | 193.9577% | 103 |
| Total domestic deposits to total assets | 80.4115% | 5,586 |
| Equity capital to assets | 12.2031% | 1,975 |
| Core capital (leverage) ratio | 12.1585% | 1,561 |
| Tier 1 risk-based capital ratio | 14.1890% | 3,610 |
| Total risk-based capital ratio | 15.4411% | 3,568 |
| Memoranda: | ||
| Average total assets | $379,546,670 | 1,771 |
| Average earning assets | $339,728,000 | 1,803 |
| Average equity | $45,364,670 | 1,479 |
| Average total loans | $310,751,000 | 1,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 2,353 |
| Cost of funding earning assets | 1.1905% | 5,456 |
| Net interest margin | 4.3623% | 1,499 |
| Noninterest income to average assets | 0.2385% | 6,246 |
| Noninterest expense to average assets | 1.9858% | 7,185 |
| Loan and lease loss provision to assets | 1.8124% | 623 |
| Net operating income to assets | 0.2185% | 5,623 |
| Return on assets (ROA) | 0.2185% | 5,738 |
| Pretax return on assets | 0.3520% | 5,450 |
| Return on Equity (ROE) | 1.8477% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.8477% | 5,008 |
| Net charge-offs to loans | 1.4574% | 1,186 |
| Credit loss provision to net charge-offs | 151.9824% | 2,352 |
| Earnings coverage of net charge-offs (x) | 1.8150% | 3,646 |
| Efficiency ratio | 47.8481% | 7,449 |
| Assets per employee ($millions) | 7.6677% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,027 |
| Loan loss allowance to noncurrent loans | 230.0100% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 4.0259% | 1,702 |
| Noncurrent loans to loans | 0.6424% | 6,036 |
| Net loans and leases to total assets | 81.4764% | 649 |
| Net loans and leases to deposits | 101.1937% | 683 |
| Net loans and leases to core deposits | 198.8128% | 103 |
| Total domestic deposits to total assets | 80.5153% | 5,610 |
| Equity capital to assets | 12.0077% | 2,041 |
| Core capital (leverage) ratio | 11.6314% | 1,838 |
| Tier 1 risk-based capital ratio | 13.7602% | 3,828 |
| Total risk-based capital ratio | 15.0123% | 3,778 |
| Memoranda: | ||
| Average total assets | $380,704,500 | 1,809 |
| Average earning assets | $341,379,500 | 1,834 |
| Average equity | $45,030,000 | 1,496 |
| Average total loans | $311,512,000 | 1,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 3,459 |
| Cost of funding earning assets | 2.0148% | 2,894 |
| Net interest margin | 3.6123% | 4,510 |
| Noninterest income to average assets | 0.1410% | 7,039 |
| Noninterest expense to average assets | 1.9875% | 7,380 |
| Loan and lease loss provision to assets | 0.6052% | 3,371 |
| Net operating income to assets | 0.5018% | 3,718 |
| Return on assets (ROA) | 0.5162% | 3,762 |
| Pretax return on assets | 0.8548% | 3,072 |
| Return on Equity (ROE) | 4.5631% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.2974% | 3,505 |
| Net charge-offs to loans | 1.3490% | 1,848 |
| Credit loss provision to net charge-offs | 55.5007% | 6,685 |
| Earnings coverage of net charge-offs (x) | 1.3183% | 4,810 |
| Efficiency ratio | 58.0302% | 6,755 |
| Assets per employee ($millions) | 7.4172% | 670 |
| Cash dividends to net income (ytd only)* | 49.6524% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,864 |
| Loan loss allowance to noncurrent loans | 1,600.4000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 3.5419% | 1,893 |
| Noncurrent loans to loans | 0.0800% | 7,214 |
| Net loans and leases to total assets | 79.9372% | 1,004 |
| Net loans and leases to deposits | 101.0124% | 825 |
| Net loans and leases to core deposits | 148.7031% | 543 |
| Total domestic deposits to total assets | 79.1360% | 5,943 |
| Equity capital to assets | 11.6531% | 2,215 |
| Core capital (leverage) ratio | 11.4282% | 1,959 |
| Tier 1 risk-based capital ratio | 13.3285% | 3,928 |
| Total risk-based capital ratio | 14.5272% | 3,910 |
| Memoranda: | ||
| Average total assets | $390,147,600 | 1,762 |
| Average earning assets | $354,675,200 | 1,763 |
| Average equity | $44,136,600 | 1,513 |
| Average total loans | $315,343,800 | 1,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 3,685 |
| Cost of funding earning assets | 2.0887% | 2,938 |
| Net interest margin | 3.5419% | 4,696 |
| Noninterest income to average assets | 0.0753% | 7,529 |
| Noninterest expense to average assets | 1.8800% | 7,569 |
| Loan and lease loss provision to assets | 0.6222% | 2,904 |
| Net operating income to assets | 0.4855% | 4,050 |
| Return on assets (ROA) | 0.5047% | 4,054 |
| Pretax return on assets | 0.8362% | 3,420 |
| Return on Equity (ROE) | 4.4945% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.4597% | 4,497 |
| Net charge-offs to loans | 1.5611% | 1,310 |
| Credit loss provision to net charge-offs | 49.3380% | 6,316 |
| Earnings coverage of net charge-offs (x) | 1.1327% | 4,924 |
| Efficiency ratio | 56.8236% | 6,890 |
| Assets per employee ($millions) | 7.3644% | 677 |
| Cash dividends to net income (ytd only)* | 67.5219% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,659 |
| Loan loss allowance to noncurrent loans | 132.4984% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 3.6489% | 1,800 |
| Noncurrent loans to loans | 0.9613% | 5,374 |
| Net loans and leases to total assets | 79.8315% | 1,205 |
| Net loans and leases to deposits | 107.2883% | 588 |
| Net loans and leases to core deposits | 152.4162% | 527 |
| Total domestic deposits to total assets | 74.4084% | 6,878 |
| Equity capital to assets | 11.3691% | 2,697 |
| Core capital (leverage) ratio | 10.8965% | 2,480 |
| Tier 1 risk-based capital ratio | 12.9881% | 4,198 |
| Total risk-based capital ratio | 14.1759% | 4,175 |
| Memoranda: | ||
| Average total assets | $391,261,250 | 1,771 |
| Average earning assets | $357,159,000 | 1,766 |
| Average equity | $43,934,500 | 1,545 |
| Average total loans | $316,101,500 | 1,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 3,846 |
| Cost of funding earning assets | 2.1501% | 3,044 |
| Net interest margin | 3.4944% | 4,821 |
| Noninterest income to average assets | -0.0455% | 8,006 |
| Noninterest expense to average assets | 2.1120% | 7,249 |
| Loan and lease loss provision to assets | 0.4965% | 3,056 |
| Net operating income to assets | 0.3284% | 4,769 |
| Return on assets (ROA) | 0.3637% | 4,747 |
| Pretax return on assets | 0.6037% | 4,313 |
| Return on Equity (ROE) | 3.2521% | 4,801 |
| Retained earnings to average equity (ytd only) | -1.3154% | 5,572 |
| Net charge-offs to loans | 1.2483% | 1,480 |
| Credit loss provision to net charge-offs | 49.2401% | 5,777 |
| Earnings coverage of net charge-offs (x) | 1.0365% | 4,751 |
| Efficiency ratio | 66.8986% | 5,385 |
| Assets per employee ($millions) | 7.4959% | 617 |
| Cash dividends to net income (ytd only)* | 140.4494% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,009 |
| Loan loss allowance to noncurrent loans | 42.8947% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.7596% | 1,627 |
| Noncurrent loans to loans | 3.5785% | 1,955 |
| Net loans and leases to total assets | 77.5406% | 1,850 |
| Net loans and leases to deposits | 102.3966% | 1,043 |
| Net loans and leases to core deposits | 147.7323% | 709 |
| Total domestic deposits to total assets | 75.7258% | 6,608 |
| Equity capital to assets | 10.7525% | 3,159 |
| Core capital (leverage) ratio | 10.9751% | 2,418 |
| Tier 1 risk-based capital ratio | 12.0090% | 4,903 |
| Total risk-based capital ratio | 13.2603% | 4,831 |
| Memoranda: | ||
| Average total assets | $391,577,670 | 1,793 |
| Average earning assets | $358,865,000 | 1,784 |
| Average equity | $43,787,670 | 1,554 |
| Average total loans | $316,264,670 | 1,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 3,144 |
| Cost of funding earning assets | 2.2760% | 2,812 |
| Net interest margin | 3.5535% | 4,511 |
| Noninterest income to average assets | -0.1766% | 8,156 |
| Noninterest expense to average assets | 2.1435% | 7,023 |
| Loan and lease loss provision to assets | 0.5943% | 2,115 |
| Net operating income to assets | 0.3803% | 4,946 |
| Return on assets (ROA) | 0.3803% | 5,129 |
| Pretax return on assets | 0.3429% | 5,551 |
| Return on Equity (ROE) | 3.3334% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.3334% | 4,024 |
| Net charge-offs to loans | -0.0013% | 7,103 |
| Credit loss provision to net charge-offs | -57,200.0000% | 6,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5784% | 4,659 |
| Assets per employee ($millions) | 7.0168% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,365 |
| Loan loss allowance to noncurrent loans | 83.4775% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.9806% | 1,892 |
| Noncurrent loans to loans | 2.4251% | 2,714 |
| Net loans and leases to total assets | 81.0981% | 1,183 |
| Net loans and leases to deposits | 104.9005% | 951 |
| Net loans and leases to core deposits | 153.0679% | 620 |
| Total domestic deposits to total assets | 77.3096% | 6,207 |
| Equity capital to assets | 11.4535% | 2,620 |
| Core capital (leverage) ratio | 11.0786% | 2,447 |
| Tier 1 risk-based capital ratio | 12.3321% | 4,675 |
| Total risk-based capital ratio | 13.5893% | 4,588 |
| Memoranda: | ||
| Average total assets | $384,976,500 | 1,825 |
| Average earning assets | $352,893,000 | 1,818 |
| Average equity | $43,919,500 | 1,550 |
| Average total loans | $315,016,000 | 1,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4173% | 3,321 |
| Cost of funding earning assets | 3.1247% | 1,434 |
| Net interest margin | 3.2926% | 6,065 |
| Noninterest income to average assets | 0.3772% | 5,669 |
| Noninterest expense to average assets | 2.2702% | 6,785 |
| Loan and lease loss provision to assets | 0.6618% | 2,191 |
| Net operating income to assets | 0.4966% | 4,747 |
| Return on assets (ROA) | 0.5450% | 4,402 |
| Pretax return on assets | 0.4801% | 5,036 |
| Return on Equity (ROE) | 4.8905% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.5705% | 3,588 |
| Net charge-offs to loans | 0.1007% | 5,307 |
| Credit loss provision to net charge-offs | 807.5710% | 538 |
| Earnings coverage of net charge-offs (x) | 13.3438% | 2,137 |
| Efficiency ratio | 67.4890% | 4,818 |
| Assets per employee ($millions) | 5.8186% | 1,253 |
| Cash dividends to net income (ytd only)* | 47.4383% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 1,422 |
| Loan loss allowance to noncurrent loans | 56.0106% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 4.0802% | 995 |
| Noncurrent loans to loans | 3.3881% | 1,517 |
| Net loans and leases to total assets | 79.3414% | 1,810 |
| Net loans and leases to deposits | 106.1607% | 1,109 |
| Net loans and leases to core deposits | 149.8699% | 862 |
| Total domestic deposits to total assets | 74.7370% | 6,511 |
| Equity capital to assets | 11.3630% | 2,738 |
| Core capital (leverage) ratio | 10.6087% | 2,898 |
| Tier 1 risk-based capital ratio | 12.4421% | 4,482 |
| Total risk-based capital ratio | 13.6974% | 4,379 |
| Memoranda: | ||
| Average total assets | $386,798,800 | 1,752 |
| Average earning assets | $350,847,600 | 1,769 |
| Average equity | $43,104,000 | 1,563 |
| Average total loans | $314,694,600 | 1,540 |