Home > Availa Bank > Performance and Condition Ratios
Availa 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 | 4.4231% | 3,240 |
| Cost of funding earning assets | 1.9091% | 1,052 |
| Net interest margin | 2.5140% | 4,081 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.0635% | 3,489 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4544% | 3,759 |
| Return on assets (ROA) | 0.4593% | 3,748 |
| Pretax return on assets | 0.4925% | 3,827 |
| Return on Equity (ROE) | 5.8900% | 3,540 |
| Retained earnings to average equity (ytd only) | 2.9221% | 3,302 |
| Net charge-offs to loans | 0.0244% | 1,827 |
| Credit loss provision to net charge-offs | 230.9237% | 1,124 |
| Earnings coverage of net charge-offs (x) | 33.7189% | 1,557 |
| Efficiency ratio | 78.5968% | 1,022 |
| Assets per employee ($millions) | 8.7956% | 1,067 |
| Cash dividends to net income (ytd only)* | 50.3497% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,776 |
| Loan loss allowance to noncurrent loans | 975.2271% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,050 |
| Noncurrent loans to loans | 0.1140% | 2,956 |
| Net loans and leases to total assets | 64.9200% | 2,374 |
| Net loans and leases to deposits | 78.3093% | 2,237 |
| Net loans and leases to core deposits | 91.3525% | 1,960 |
| Total domestic deposits to total assets | 82.9000% | 2,917 |
| Equity capital to assets | 8.0447% | 3,380 |
| Core capital (leverage) ratio | 8.8930% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7560% | 2,320 |
| Memoranda: | ||
| Average total assets | $1,556,841,600 | 695 |
| Average earning assets | $1,430,492,000 | 690 |
| Average equity | $121,486,600 | 812 |
| Average total loans | $1,022,127,200 | 712 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 3,290 |
| Cost of funding earning assets | 1.7373% | 1,114 |
| Net interest margin | 2.5671% | 4,070 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.1339% | 3,256 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.5010% | 3,766 |
| Return on assets (ROA) | 0.5056% | 3,754 |
| Pretax return on assets | 0.5636% | 3,799 |
| Return on Equity (ROE) | 6.5300% | 3,538 |
| Retained earnings to average equity (ytd only) | 3.4028% | 3,415 |
| Net charge-offs to loans | 0.0314% | 1,454 |
| Credit loss provision to net charge-offs | 18.9076% | 2,018 |
| Earnings coverage of net charge-offs (x) | 26.6933% | 1,659 |
| Efficiency ratio | 78.8551% | 946 |
| Assets per employee ($millions) | 8.4395% | 1,147 |
| Cash dividends to net income (ytd only)* | 47.9042% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,079.4455% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,157 |
| Noncurrent loans to loans | 0.1012% | 3,070 |
| Net loans and leases to total assets | 66.1800% | 2,223 |
| Net loans and leases to deposits | 79.9347% | 2,056 |
| Net loans and leases to core deposits | 89.2784% | 1,978 |
| Total domestic deposits to total assets | 82.7900% | 3,051 |
| Equity capital to assets | 7.3815% | 3,426 |
| Core capital (leverage) ratio | 9.3155% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,541,456,000 | 704 |
| Average earning assets | $1,416,043,000 | 697 |
| Average equity | $119,309,750 | 824 |
| Average total loans | $1,012,038,250 | 718 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 3,276 |
| Cost of funding earning assets | 1.6155% | 1,027 |
| Net interest margin | 2.5947% | 4,116 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1239% | 3,282 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.5183% | 3,771 |
| Return on assets (ROA) | 0.5365% | 3,741 |
| Pretax return on assets | 0.6070% | 3,789 |
| Return on Equity (ROE) | 6.8300% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.5217% | 3,342 |
| Net charge-offs to loans | -0.0020% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.0757% | 995 |
| Assets per employee ($millions) | 8.4763% | 1,109 |
| Cash dividends to net income (ytd only)* | 48.4027% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 2,735 |
| Loan loss allowance to noncurrent loans | 1,108.9682% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,090 |
| Noncurrent loans to loans | 0.1032% | 2,973 |
| Net loans and leases to total assets | 65.1300% | 2,261 |
| Net loans and leases to deposits | 77.9922% | 2,133 |
| Net loans and leases to core deposits | 84.7056% | 2,166 |
| Total domestic deposits to total assets | 83.5100% | 2,930 |
| Equity capital to assets | 7.9258% | 3,263 |
| Core capital (leverage) ratio | 9.2855% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,540,467,667 | 694 |
| Average earning assets | $1,416,447,000 | 686 |
| Average equity | $121,079,333 | 805 |
| Average total loans | $1,004,912,333 | 707 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 3,250 |
| Cost of funding earning assets | 1.4976% | 851 |
| Net interest margin | 2.6041% | 4,200 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1690% | 3,187 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3928% | 4,098 |
| Return on assets (ROA) | 0.4137% | 4,011 |
| Pretax return on assets | 0.4486% | 4,057 |
| Return on Equity (ROE) | 5.2900% | 3,848 |
| Retained earnings to average equity (ytd only) | 1.3239% | 3,820 |
| Net charge-offs to loans | 0.0060% | 1,741 |
| Credit loss provision to net charge-offs | 1,760.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 128.4000% | 675 |
| Efficiency ratio | 80.6667% | 780 |
| Assets per employee ($millions) | 8.2472% | 1,228 |
| Cash dividends to net income (ytd only)* | 74.9532% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,657 |
| Loan loss allowance to noncurrent loans | 1,045.7219% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,868 |
| Noncurrent loans to loans | 0.1129% | 2,956 |
| Net loans and leases to total assets | 63.3100% | 2,320 |
| Net loans and leases to deposits | 73.9834% | 2,295 |
| Net loans and leases to core deposits | 80.4712% | 2,220 |
| Total domestic deposits to total assets | 85.5800% | 2,700 |
| Equity capital to assets | 7.8706% | 3,328 |
| Core capital (leverage) ratio | 9.1262% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,547,833,500 | 704 |
| Average earning assets | $1,423,615,500 | 697 |
| Average equity | $121,155,500 | 813 |
| Average total loans | $1,004,753,500 | 719 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 3,046 |
| Cost of funding earning assets | 0.5390% | 1,166 |
| Net interest margin | 2.9720% | 3,521 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.1233% | 3,228 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7279% | 3,541 |
| Return on assets (ROA) | 0.7459% | 3,434 |
| Pretax return on assets | 0.8373% | 3,523 |
| Return on Equity (ROE) | 8.6500% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.5536% | 2,429 |
| Net charge-offs to loans | 0.0074% | 2,125 |
| Credit loss provision to net charge-offs | 1,544.1176% | 317 |
| Earnings coverage of net charge-offs (x) | 194.6765% | 653 |
| Efficiency ratio | 69.9065% | 1,696 |
| Assets per employee ($millions) | 8.3113% | 1,185 |
| Cash dividends to net income (ytd only)* | 24.2675% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,163 |
| Loan loss allowance to noncurrent loans | 851.1703% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,820 |
| Noncurrent loans to loans | 0.1219% | 2,910 |
| Net loans and leases to total assets | 65.0500% | 2,134 |
| Net loans and leases to deposits | 75.9463% | 2,103 |
| Net loans and leases to core deposits | 83.1026% | 1,928 |
| Total domestic deposits to total assets | 85.6500% | 2,817 |
| Equity capital to assets | 7.8272% | 3,169 |
| Core capital (leverage) ratio | 9.3346% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,491,637,400 | 703 |
| Average earning assets | $1,364,719,800 | 701 |
| Average equity | $128,570,600 | 763 |
| Average total loans | $917,981,000 | 743 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3531% | 3,039 |
| Cost of funding earning assets | 0.3763% | 1,469 |
| Net interest margin | 2.9769% | 3,281 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.1644% | 3,026 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7089% | 3,541 |
| Return on assets (ROA) | 0.7320% | 3,423 |
| Pretax return on assets | 0.8654% | 3,434 |
| Return on Equity (ROE) | 8.2900% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.4538% | 2,571 |
| Net charge-offs to loans | 0.0061% | 1,934 |
| Credit loss provision to net charge-offs | 1,463.4146% | 312 |
| Earnings coverage of net charge-offs (x) | 241.2683% | 550 |
| Efficiency ratio | 70.1971% | 1,734 |
| Assets per employee ($millions) | 7.7505% | 1,448 |
| Cash dividends to net income (ytd only)* | 22.1811% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,222 |
| Loan loss allowance to noncurrent loans | 762.8485% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 2,830 |
| Noncurrent loans to loans | 0.1383% | 2,940 |
| Net loans and leases to total assets | 64.4500% | 2,044 |
| Net loans and leases to deposits | 71.2938% | 2,264 |
| Net loans and leases to core deposits | 74.4815% | 2,314 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 7.4846% | 3,229 |
| Core capital (leverage) ratio | 9.3164% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,478,070,000 | 714 |
| Average earning assets | $1,351,414,000 | 716 |
| Average equity | $130,463,000 | 759 |
| Average total loans | $893,443,250 | 753 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1630% | 3,155 |
| Cost of funding earning assets | 0.2876% | 1,825 |
| Net interest margin | 2.8754% | 3,235 |
| Noninterest income to average assets | 0.3279% | 3,203 |
| Noninterest expense to average assets | 2.1338% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7071% | 3,292 |
| Return on assets (ROA) | 0.7261% | 3,175 |
| Pretax return on assets | 0.8492% | 3,207 |
| Return on Equity (ROE) | 7.8317% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.5199% | 2,168 |
| Net charge-offs to loans | 0.0085% | 1,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 165.4054% | 599 |
| Efficiency ratio | 71.4364% | 1,779 |
| Assets per employee ($millions) | 7.8335% | 1,391 |
| Cash dividends to net income (ytd only)* | 16.7504% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,196 |
| Loan loss allowance to noncurrent loans | 832.0524% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,999 |
| Noncurrent loans to loans | 0.1313% | 3,059 |
| Net loans and leases to total assets | 58.2785% | 2,503 |
| Net loans and leases to deposits | 65.2737% | 2,609 |
| Net loans and leases to core deposits | 68.0925% | 2,643 |
| Total domestic deposits to total assets | 89.2833% | 2,053 |
| Equity capital to assets | 7.7429% | 3,309 |
| Core capital (leverage) ratio | 9.1371% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,479,897,000 | 706 |
| Average earning assets | $1,355,150,000 | 710 |
| Average equity | $137,211,333 | 737 |
| Average total loans | $871,525,333 | 754 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0790% | 3,041 |
| Cost of funding earning assets | 0.2702% | 1,926 |
| Net interest margin | 2.8089% | 3,111 |
| Noninterest income to average assets | 0.3625% | 2,920 |
| Noninterest expense to average assets | 2.0876% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7173% | 2,992 |
| Return on assets (ROA) | 0.7572% | 2,816 |
| Pretax return on assets | 0.8970% | 2,785 |
| Return on Equity (ROE) | 7.5448% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.1206% | 2,549 |
| Net charge-offs to loans | 0.0110% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 130.9167% | 581 |
| Efficiency ratio | 70.4437% | 2,166 |
| Assets per employee ($millions) | 7.9911% | 1,374 |
| Cash dividends to net income (ytd only)* | 32.1314% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,294 |
| Loan loss allowance to noncurrent loans | 176.7321% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 1,516 |
| Noncurrent loans to loans | 0.6275% | 1,495 |
| Net loans and leases to total assets | 56.9271% | 2,427 |
| Net loans and leases to deposits | 64.6927% | 2,464 |
| Net loans and leases to core deposits | 67.8071% | 2,469 |
| Total domestic deposits to total assets | 87.9963% | 2,524 |
| Equity capital to assets | 9.2526% | 2,483 |
| Core capital (leverage) ratio | 9.0399% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,479,577,500 | 707 |
| Average earning assets | $1,356,141,500 | 713 |
| Average equity | $148,499,000 | 714 |
| Average total loans | $871,107,500 | 748 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 2,848 |
| Cost of funding earning assets | 0.3554% | 1,892 |
| Net interest margin | 3.0764% | 2,976 |
| Noninterest income to average assets | 0.3711% | 3,211 |
| Noninterest expense to average assets | 2.1266% | 3,317 |
| Loan and lease loss provision to assets | 0.0861% | 1,426 |
| Net operating income to assets | 0.8519% | 3,180 |
| Return on assets (ROA) | 0.9694% | 2,858 |
| Pretax return on assets | 1.1153% | 2,913 |
| Return on Equity (ROE) | 9.3171% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.2137% | 1,457 |
| Net charge-offs to loans | 0.0021% | 2,559 |
| Credit loss provision to net charge-offs | 6,666.6667% | 107 |
| Earnings coverage of net charge-offs (x) | 825.6667% | 179 |
| Efficiency ratio | 65.9805% | 2,262 |
| Assets per employee ($millions) | 7.7916% | 1,444 |
| Cash dividends to net income (ytd only)* | 11.8431% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,419 |
| Loan loss allowance to noncurrent loans | 577.5362% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,837 |
| Noncurrent loans to loans | 0.1878% | 3,010 |
| Net loans and leases to total assets | 59.5588% | 2,205 |
| Net loans and leases to deposits | 69.2300% | 2,200 |
| Net loans and leases to core deposits | 72.6886% | 2,192 |
| Total domestic deposits to total assets | 86.0303% | 2,895 |
| Equity capital to assets | 10.8364% | 1,913 |
| Core capital (leverage) ratio | 9.1325% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,393,704,800 | 719 |
| Average earning assets | $1,278,422,800 | 723 |
| Average equity | $145,002,200 | 742 |
| Average total loans | $843,166,200 | 765 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 2,914 |
| Cost of funding earning assets | 0.3800% | 1,855 |
| Net interest margin | 3.0947% | 3,067 |
| Noninterest income to average assets | 0.4091% | 3,040 |
| Noninterest expense to average assets | 2.1304% | 3,276 |
| Loan and lease loss provision to assets | 0.0581% | 1,824 |
| Net operating income to assets | 0.8657% | 3,338 |
| Return on assets (ROA) | 1.0149% | 2,917 |
| Pretax return on assets | 1.2397% | 2,806 |
| Return on Equity (ROE) | 9.8635% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.3566% | 1,927 |
| Net charge-offs to loans | -0.0013% | 3,154 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0070% | 2,243 |
| Assets per employee ($millions) | 7.7226% | 1,434 |
| Cash dividends to net income (ytd only)* | 15.2774% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,710 |
| Loan loss allowance to noncurrent loans | 390.3604% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 2,732 |
| Noncurrent loans to loans | 0.2662% | 2,858 |
| Net loans and leases to total assets | 59.9202% | 2,270 |
| Net loans and leases to deposits | 71.0659% | 2,138 |
| Net loans and leases to core deposits | 74.7357% | 2,169 |
| Total domestic deposits to total assets | 84.3164% | 3,365 |
| Equity capital to assets | 11.0105% | 2,006 |
| Core capital (leverage) ratio | 9.4132% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,375,926,750 | 735 |
| Average earning assets | $1,261,427,750 | 743 |
| Average equity | $141,569,500 | 767 |
| Average total loans | $833,460,000 | 787 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 3,228 |
| Cost of funding earning assets | 0.4041% | 1,852 |
| Net interest margin | 2.9771% | 3,379 |
| Noninterest income to average assets | 0.4187% | 3,009 |
| Noninterest expense to average assets | 2.1295% | 3,306 |
| Loan and lease loss provision to assets | 0.0589% | 1,855 |
| Net operating income to assets | 0.7895% | 3,536 |
| Return on assets (ROA) | 0.9894% | 3,016 |
| Pretax return on assets | 1.2075% | 2,882 |
| Return on Equity (ROE) | 9.8588% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.5115% | 2,248 |
| Net charge-offs to loans | -0.0049% | 3,425 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9142% | 2,026 |
| Assets per employee ($millions) | 7.1710% | 1,679 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,654 |
| Loan loss allowance to noncurrent loans | 454.4140% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,828 |
| Noncurrent loans to loans | 0.2299% | 3,134 |
| Net loans and leases to total assets | 60.2384% | 2,402 |
| Net loans and leases to deposits | 70.8149% | 2,328 |
| Net loans and leases to core deposits | 73.5944% | 2,452 |
| Total domestic deposits to total assets | 85.0645% | 3,065 |
| Equity capital to assets | 10.0022% | 2,846 |
| Core capital (leverage) ratio | 7.9923% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,358,343,000 | 740 |
| Average earning assets | $1,247,113,333 | 748 |
| Average equity | $136,324,667 | 777 |
| Average total loans | $822,927,667 | 802 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2956% | 3,457 |
| Cost of funding earning assets | 0.4246% | 1,905 |
| Net interest margin | 2.8710% | 3,589 |
| Noninterest income to average assets | 0.4840% | 2,678 |
| Noninterest expense to average assets | 2.0792% | 3,484 |
| Loan and lease loss provision to assets | 0.0595% | 1,933 |
| Net operating income to assets | 0.8089% | 3,395 |
| Return on assets (ROA) | 1.1350% | 2,447 |
| Pretax return on assets | 1.3847% | 2,323 |
| Return on Equity (ROE) | 11.2898% | 2,277 |
| Retained earnings to average equity (ytd only) | 8.9242% | 1,971 |
| Net charge-offs to loans | 0.0059% | 1,690 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 293.3333% | 299 |
| Efficiency ratio | 65.8646% | 2,253 |
| Assets per employee ($millions) | 7.3012% | 1,585 |
| Cash dividends to net income (ytd only)* | 20.9534% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,675 |
| Loan loss allowance to noncurrent loans | 449.8688% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 3,054 |
| Noncurrent loans to loans | 0.2323% | 3,274 |
| Net loans and leases to total assets | 58.5040% | 2,741 |
| Net loans and leases to deposits | 68.9449% | 2,606 |
| Net loans and leases to core deposits | 72.3463% | 2,668 |
| Total domestic deposits to total assets | 84.8561% | 3,165 |
| Equity capital to assets | 9.7256% | 2,973 |
| Core capital (leverage) ratio | 8.2595% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,345,517,000 | 743 |
| Average earning assets | $1,238,014,500 | 744 |
| Average equity | $135,272,000 | 777 |
| Average total loans | $813,142,500 | 803 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,133 |
| Cost of funding earning assets | 0.6924% | 1,755 |
| Net interest margin | 3.1684% | 3,440 |
| Noninterest income to average assets | 0.3412% | 3,420 |
| Noninterest expense to average assets | 2.2496% | 3,545 |
| Loan and lease loss provision to assets | 0.0125% | 4,216 |
| Net operating income to assets | 0.8584% | 2,867 |
| Return on assets (ROA) | 0.8987% | 2,836 |
| Pretax return on assets | 1.0269% | 2,950 |
| Return on Equity (ROE) | 8.4246% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.9256% | 1,829 |
| Net charge-offs to loans | 0.0004% | 3,431 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 3,975.6667% | 24 |
| Efficiency ratio | 68.6522% | 2,146 |
| Assets per employee ($millions) | 6.9722% | 1,602 |
| Cash dividends to net income (ytd only)* | 29.6626% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,720 |
| Loan loss allowance to noncurrent loans | 436.3352% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,122 |
| Noncurrent loans to loans | 0.2383% | 3,344 |
| Net loans and leases to total assets | 61.1862% | 2,707 |
| Net loans and leases to deposits | 72.9227% | 2,595 |
| Net loans and leases to core deposits | 76.8964% | 2,645 |
| Total domestic deposits to total assets | 83.9056% | 3,143 |
| Equity capital to assets | 10.4024% | 2,753 |
| Core capital (leverage) ratio | 8.2055% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,200,389,200 | 750 |
| Average earning assets | $1,099,450,200 | 749 |
| Average equity | $128,054,200 | 775 |
| Average total loans | $785,708,200 | 795 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 3,283 |
| Cost of funding earning assets | 0.7503% | 1,744 |
| Net interest margin | 3.1395% | 3,647 |
| Noninterest income to average assets | 0.4011% | 3,071 |
| Noninterest expense to average assets | 2.2380% | 3,584 |
| Loan and lease loss provision to assets | 0.0170% | 4,119 |
| Net operating income to assets | 0.8397% | 2,953 |
| Return on assets (ROA) | 0.8897% | 2,862 |
| Pretax return on assets | 1.0793% | 2,810 |
| Return on Equity (ROE) | 8.2834% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.7470% | 2,210 |
| Net charge-offs to loans | -0.0005% | 3,780 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6504% | 2,233 |
| Assets per employee ($millions) | 6.8461% | 1,595 |
| Cash dividends to net income (ytd only)* | 30.6201% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,478 |
| Loan loss allowance to noncurrent loans | 410.5727% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,091 |
| Noncurrent loans to loans | 0.2551% | 3,390 |
| Net loans and leases to total assets | 62.5788% | 2,936 |
| Net loans and leases to deposits | 75.7494% | 2,778 |
| Net loans and leases to core deposits | 79.7606% | 2,864 |
| Total domestic deposits to total assets | 82.6129% | 3,249 |
| Equity capital to assets | 10.4846% | 2,802 |
| Core capital (leverage) ratio | 8.4387% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,174,534,000 | 755 |
| Average earning assets | $1,074,553,500 | 752 |
| Average equity | $126,160,750 | 776 |
| Average total loans | $780,601,750 | 796 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,274 |
| Cost of funding earning assets | 0.8256% | 1,701 |
| Net interest margin | 3.1942% | 3,684 |
| Noninterest income to average assets | 0.3796% | 3,199 |
| Noninterest expense to average assets | 2.2076% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8867% | 2,744 |
| Return on assets (ROA) | 0.9347% | 2,690 |
| Pretax return on assets | 1.1447% | 2,567 |
| Return on Equity (ROE) | 8.6260% | 2,523 |
| Retained earnings to average equity (ytd only) | 6.0443% | 2,062 |
| Net charge-offs to loans | -0.0028% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2915% | 2,473 |
| Assets per employee ($millions) | 6.9356% | 1,470 |
| Cash dividends to net income (ytd only)* | 29.9289% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,412 |
| Loan loss allowance to noncurrent loans | 359.9302% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,138 |
| Noncurrent loans to loans | 0.2861% | 3,353 |
| Net loans and leases to total assets | 63.4872% | 2,939 |
| Net loans and leases to deposits | 76.8351% | 2,774 |
| Net loans and leases to core deposits | 81.6386% | 2,805 |
| Total domestic deposits to total assets | 82.6279% | 3,199 |
| Equity capital to assets | 10.4406% | 2,799 |
| Core capital (leverage) ratio | 8.5425% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,143,870,000 | 760 |
| Average earning assets | $1,043,565,000 | 761 |
| Average equity | $123,951,000 | 777 |
| Average total loans | $773,814,000 | 795 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,865 |
| Cost of funding earning assets | 0.9711% | 1,556 |
| Net interest margin | 3.3478% | 3,456 |
| Noninterest income to average assets | 0.3903% | 3,165 |
| Noninterest expense to average assets | 2.3188% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9032% | 2,517 |
| Return on assets (ROA) | 0.9194% | 2,568 |
| Pretax return on assets | 1.1231% | 2,443 |
| Return on Equity (ROE) | 8.3110% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.6610% | 2,009 |
| Net charge-offs to loans | -0.0121% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0200% | 2,812 |
| Assets per employee ($millions) | 6.2117% | 1,511 |
| Cash dividends to net income (ytd only)* | 31.8852% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,278 |
| Loan loss allowance to noncurrent loans | 335.8276% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,042 |
| Noncurrent loans to loans | 0.3238% | 3,334 |
| Net loans and leases to total assets | 68.3270% | 2,496 |
| Net loans and leases to deposits | 80.7019% | 2,605 |
| Net loans and leases to core deposits | 87.5735% | 2,558 |
| Total domestic deposits to total assets | 84.6660% | 2,536 |
| Equity capital to assets | 10.7917% | 3,058 |
| Core capital (leverage) ratio | 9.3966% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,091,602,500 | 763 |
| Average earning assets | $988,603,000 | 764 |
| Average equity | $120,756,000 | 789 |
| Average total loans | $760,309,000 | 783 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,682 |
| Cost of funding earning assets | 1.1474% | 1,166 |
| Net interest margin | 3.4344% | 3,637 |
| Noninterest income to average assets | 0.3358% | 3,699 |
| Noninterest expense to average assets | 2.2191% | 4,124 |
| Loan and lease loss provision to assets | -0.0598% | 5,031 |
| Net operating income to assets | 1.0609% | 2,612 |
| Return on assets (ROA) | 1.1031% | 2,530 |
| Pretax return on assets | 1.3569% | 2,307 |
| Return on Equity (ROE) | 9.8324% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.7017% | 1,077 |
| Net charge-offs to loans | -0.0244% | 4,669 |
| Credit loss provision to net charge-offs | 346.8208% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4118% | 3,162 |
| Assets per employee ($millions) | 6.4508% | 1,311 |
| Cash dividends to net income (ytd only)* | 21.6704% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,049 |
| Loan loss allowance to noncurrent loans | 185.7658% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 2,153 |
| Noncurrent loans to loans | 0.5824% | 2,439 |
| Net loans and leases to total assets | 69.4718% | 2,481 |
| Net loans and leases to deposits | 80.6731% | 2,699 |
| Net loans and leases to core deposits | 87.9868% | 2,607 |
| Total domestic deposits to total assets | 86.1151% | 2,027 |
| Equity capital to assets | 11.3367% | 2,668 |
| Core capital (leverage) ratio | 9.0500% | 4,487 |
| Tier 1 risk-based capital ratio | 11.3966% | 4,683 |
| Total risk-based capital ratio | 12.3617% | 4,706 |
| Memoranda: | ||
| Average total assets | $1,003,974,000 | 782 |
| Average earning assets | $914,524,800 | 789 |
| Average equity | $112,638,200 | 806 |
| Average total loans | $707,614,600 | 801 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,990 |
| Cost of funding earning assets | 1.0338% | 1,612 |
| Net interest margin | 3.4865% | 3,602 |
| Noninterest income to average assets | 0.3531% | 3,614 |
| Noninterest expense to average assets | 2.1901% | 4,200 |
| Loan and lease loss provision to assets | 0.0915% | 2,081 |
| Net operating income to assets | 0.9980% | 2,990 |
| Return on assets (ROA) | 1.0326% | 2,931 |
| Pretax return on assets | 1.2979% | 2,679 |
| Return on Equity (ROE) | 9.2304% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.7770% | 1,504 |
| Net charge-offs to loans | -0.0236% | 4,627 |
| Credit loss provision to net charge-offs | -548.7805% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3357% | 3,433 |
| Assets per employee ($millions) | 6.6338% | 1,203 |
| Cash dividends to net income (ytd only)* | 15.7460% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,088 |
| Loan loss allowance to noncurrent loans | 322.5367% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,642 |
| Noncurrent loans to loans | 0.3955% | 3,125 |
| Net loans and leases to total assets | 68.5423% | 2,700 |
| Net loans and leases to deposits | 82.2239% | 2,656 |
| Net loans and leases to core deposits | 89.7422% | 2,562 |
| Total domestic deposits to total assets | 83.3605% | 3,041 |
| Equity capital to assets | 11.3462% | 2,798 |
| Core capital (leverage) ratio | 9.1866% | 4,488 |
| Tier 1 risk-based capital ratio | 11.4163% | 4,716 |
| Total risk-based capital ratio | 12.5540% | 4,663 |
| Memoranda: | ||
| Average total assets | $984,034,000 | 796 |
| Average earning assets | $898,402,250 | 801 |
| Average equity | $110,082,750 | 822 |
| Average total loans | $694,237,250 | 816 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 3,304 |
| Cost of funding earning assets | 0.9867% | 1,756 |
| Net interest margin | 3.4230% | 3,823 |
| Noninterest income to average assets | 0.3130% | 3,838 |
| Noninterest expense to average assets | 2.1713% | 4,296 |
| Loan and lease loss provision to assets | 0.0941% | 1,972 |
| Net operating income to assets | 0.9345% | 3,152 |
| Return on assets (ROA) | 0.9647% | 3,118 |
| Pretax return on assets | 1.2273% | 2,822 |
| Return on Equity (ROE) | 8.6687% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.6687% | 1,136 |
| Net charge-offs to loans | 0.0050% | 2,979 |
| Credit loss provision to net charge-offs | 2,647.0588% | 143 |
| Earnings coverage of net charge-offs (x) | 360.7647% | 216 |
| Efficiency ratio | 62.3281% | 3,378 |
| Assets per employee ($millions) | 7.3080% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,350 |
| Loan loss allowance to noncurrent loans | 412.2847% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 2,851 |
| Noncurrent loans to loans | 0.2989% | 3,467 |
| Net loans and leases to total assets | 68.7848% | 2,709 |
| Net loans and leases to deposits | 83.0284% | 2,606 |
| Net loans and leases to core deposits | 90.5981% | 2,548 |
| Total domestic deposits to total assets | 82.8449% | 3,258 |
| Equity capital to assets | 11.2312% | 2,834 |
| Core capital (leverage) ratio | 10.6736% | 2,910 |
| Tier 1 risk-based capital ratio | 11.7429% | 4,547 |
| Total risk-based capital ratio | 12.8648% | 4,521 |
| Memoranda: | ||
| Average total assets | $955,935,330 | 814 |
| Average earning assets | $877,306,000 | 820 |
| Average equity | $106,383,000 | 847 |
| Average total loans | $679,021,330 | 829 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 2,628 |
| Cost of funding earning assets | 0.9918% | 1,598 |
| Net interest margin | 3.5821% | 3,318 |
| Noninterest income to average assets | 0.3150% | 3,751 |
| Noninterest expense to average assets | 2.1843% | 4,297 |
| Loan and lease loss provision to assets | 0.0995% | 1,767 |
| Net operating income to assets | 1.0583% | 2,629 |
| Return on assets (ROA) | 1.0800% | 2,589 |
| Pretax return on assets | 1.3632% | 2,222 |
| Return on Equity (ROE) | 9.7574% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.7574% | 1,094 |
| Net charge-offs to loans | 0.0388% | 1,718 |
| Credit loss provision to net charge-offs | 357.1429% | 750 |
| Earnings coverage of net charge-offs (x) | 51.4921% | 1,005 |
| Efficiency ratio | 59.8093% | 3,836 |
| Assets per employee ($millions) | 6.8655% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,787 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 2,661 |
| Noncurrent loans to loans | 0.5139% | 2,775 |
| Net loans and leases to total assets | 69.5557% | 2,548 |
| Net loans and leases to deposits | 83.9514% | 2,392 |
| Net loans and leases to core deposits | 92.5751% | 2,250 |
| Total domestic deposits to total assets | 82.8524% | 3,438 |
| Equity capital to assets | 11.1892% | 2,667 |
| Core capital (leverage) ratio | 10.7565% | 2,796 |
| Tier 1 risk-based capital ratio | 13.2372% | 3,749 |
| Total risk-based capital ratio | 14.4547% | 3,675 |
| Memoranda: | ||
| Average total assets | $904,072,000 | 868 |
| Average earning assets | $834,040,000 | 866 |
| Average equity | $100,068,000 | 886 |
| Average total loans | $649,541,500 | 860 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,568 |
| Cost of funding earning assets | 0.8079% | 1,484 |
| Net interest margin | 3.6562% | 3,203 |
| Noninterest income to average assets | 0.2384% | 4,489 |
| Noninterest expense to average assets | 2.1627% | 4,420 |
| Loan and lease loss provision to assets | 0.1082% | 2,034 |
| Net operating income to assets | 1.1505% | 2,382 |
| Return on assets (ROA) | 1.1467% | 2,398 |
| Pretax return on assets | 1.3238% | 2,421 |
| Return on Equity (ROE) | 10.7371% | 2,192 |
| Retained earnings to average equity (ytd only) | 6.8956% | 1,715 |
| Net charge-offs to loans | 0.0195% | 3,046 |
| Credit loss provision to net charge-offs | 780.4878% | 455 |
| Earnings coverage of net charge-offs (x) | 103.6016% | 726 |
| Efficiency ratio | 59.5471% | 3,936 |
| Assets per employee ($millions) | 6.7806% | 1,078 |
| Cash dividends to net income (ytd only)* | 35.7775% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,940 |
| Loan loss allowance to noncurrent loans | 260.5897% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 2,583 |
| Noncurrent loans to loans | 0.5074% | 2,752 |
| Net loans and leases to total assets | 72.2293% | 2,220 |
| Net loans and leases to deposits | 87.0997% | 2,154 |
| Net loans and leases to core deposits | 97.7600% | 1,885 |
| Total domestic deposits to total assets | 82.9271% | 3,353 |
| Equity capital to assets | 10.9456% | 2,738 |
| Core capital (leverage) ratio | 10.4218% | 3,117 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,053 |
| Total risk-based capital ratio | 13.8072% | 3,974 |
| Memoranda: | ||
| Average total assets | $887,222,400 | 862 |
| Average earning assets | $815,482,600 | 862 |
| Average equity | $94,755,600 | 892 |
| Average total loans | $630,127,400 | 856 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,217 |
| Cost of funding earning assets | 0.6032% | 2,452 |
| Net interest margin | 3.6239% | 3,291 |
| Noninterest income to average assets | 0.2586% | 4,428 |
| Noninterest expense to average assets | 2.3405% | 3,994 |
| Loan and lease loss provision to assets | 0.0537% | 2,897 |
| Net operating income to assets | 1.1161% | 2,595 |
| Return on assets (ROA) | 1.1079% | 2,640 |
| Pretax return on assets | 1.1504% | 3,193 |
| Return on Equity (ROE) | 10.4356% | 2,418 |
| Retained earnings to average equity (ytd only) | 5.3208% | 3,046 |
| Net charge-offs to loans | -0.0325% | 4,779 |
| Credit loss provision to net charge-offs | -257.1429% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1366% | 3,013 |
| Assets per employee ($millions) | 6.1259% | 1,401 |
| Cash dividends to net income (ytd only)* | 49.0126% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 1,948 |
| Loan loss allowance to noncurrent loans | 234.3737% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 2,586 |
| Noncurrent loans to loans | 0.5687% | 2,672 |
| Net loans and leases to total assets | 63.7656% | 3,457 |
| Net loans and leases to deposits | 74.5284% | 3,549 |
| Net loans and leases to core deposits | 80.4078% | 3,461 |
| Total domestic deposits to total assets | 85.5588% | 2,367 |
| Equity capital to assets | 10.5515% | 3,090 |
| Core capital (leverage) ratio | 10.1155% | 3,503 |
| Tier 1 risk-based capital ratio | 12.6113% | 4,151 |
| Total risk-based capital ratio | 13.6977% | 4,115 |
| Memoranda: | ||
| Average total assets | $670,336,000 | 1,093 |
| Average earning assets | $609,418,000 | 1,103 |
| Average equity | $71,165,000 | 1,145 |
| Average total loans | $430,860,250 | 1,181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 3,168 |
| Cost of funding earning assets | 0.5380% | 2,706 |
| Net interest margin | 3.6432% | 3,147 |
| Noninterest income to average assets | 0.3592% | 3,748 |
| Noninterest expense to average assets | 2.3645% | 3,986 |
| Loan and lease loss provision to assets | 0.0540% | 2,832 |
| Net operating income to assets | 1.0075% | 2,985 |
| Return on assets (ROA) | 0.9902% | 3,068 |
| Pretax return on assets | 1.2322% | 2,809 |
| Return on Equity (ROE) | 9.3080% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.1792% | 3,520 |
| Net charge-offs to loans | -0.0486% | 4,915 |
| Credit loss provision to net charge-offs | -173.0769% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6787% | 3,363 |
| Assets per employee ($millions) | 5.9881% | 1,470 |
| Cash dividends to net income (ytd only)* | 55.1014% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,971 |
| Loan loss allowance to noncurrent loans | 207.6341% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 2,490 |
| Noncurrent loans to loans | 0.6477% | 2,494 |
| Net loans and leases to total assets | 62.5128% | 3,544 |
| Net loans and leases to deposits | 73.0310% | 3,628 |
| Net loans and leases to core deposits | 78.6659% | 3,523 |
| Total domestic deposits to total assets | 85.5976% | 2,457 |
| Equity capital to assets | 10.4810% | 3,140 |
| Core capital (leverage) ratio | 10.1262% | 3,452 |
| Tier 1 risk-based capital ratio | 12.7515% | 4,038 |
| Total risk-based capital ratio | 13.8556% | 4,022 |
| Memoranda: | ||
| Average total assets | $667,124,670 | 1,100 |
| Average earning assets | $606,672,670 | 1,107 |
| Average equity | $70,971,000 | 1,146 |
| Average total loans | $427,999,000 | 1,188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,013 |
| Cost of funding earning assets | 0.4821% | 2,940 |
| Net interest margin | 3.6822% | 2,870 |
| Noninterest income to average assets | 0.3189% | 4,022 |
| Noninterest expense to average assets | 2.2622% | 4,267 |
| Loan and lease loss provision to assets | 0.0544% | 2,679 |
| Net operating income to assets | 1.0776% | 2,533 |
| Return on assets (ROA) | 1.0496% | 2,664 |
| Pretax return on assets | 1.3117% | 2,318 |
| Return on Equity (ROE) | 9.7920% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.6650% | 3,326 |
| Net charge-offs to loans | -0.0954% | 5,189 |
| Credit loss provision to net charge-offs | -88.2353% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0287% | 3,939 |
| Assets per employee ($millions) | 5.8948% | 1,608 |
| Cash dividends to net income (ytd only)* | 52.3590% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,091 |
| Loan loss allowance to noncurrent loans | 200.1411% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,523 |
| Noncurrent loans to loans | 0.6657% | 2,554 |
| Net loans and leases to total assets | 63.0779% | 3,421 |
| Net loans and leases to deposits | 73.7730% | 3,432 |
| Net loans and leases to core deposits | 79.9736% | 3,326 |
| Total domestic deposits to total assets | 85.5028% | 2,752 |
| Equity capital to assets | 10.5649% | 3,008 |
| Core capital (leverage) ratio | 10.2639% | 3,227 |
| Tier 1 risk-based capital ratio | 12.8334% | 4,048 |
| Total risk-based capital ratio | 13.9398% | 4,022 |
| Memoranda: | ||
| Average total assets | $662,360,500 | 1,116 |
| Average earning assets | $601,593,000 | 1,130 |
| Average equity | $70,996,500 | 1,153 |
| Average total loans | $427,618,000 | 1,194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,506 |
| Cost of funding earning assets | 0.4334% | 2,928 |
| Net interest margin | 3.5373% | 3,392 |
| Noninterest income to average assets | 0.4613% | 3,239 |
| Noninterest expense to average assets | 2.5307% | 3,680 |
| Loan and lease loss provision to assets | 0.0573% | 3,085 |
| Net operating income to assets | 0.7019% | 3,597 |
| Return on assets (ROA) | 0.6723% | 3,774 |
| Pretax return on assets | 1.0318% | 3,453 |
| Return on Equity (ROE) | 6.0555% | 3,738 |
| Retained earnings to average equity (ytd only) | 1.0415% | 4,614 |
| Net charge-offs to loans | 0.0053% | 3,899 |
| Credit loss provision to net charge-offs | 1,714.2857% | 220 |
| Earnings coverage of net charge-offs (x) | 339.6667% | 260 |
| Efficiency ratio | 68.4169% | 2,816 |
| Assets per employee ($millions) | 5.8804% | 1,601 |
| Cash dividends to net income (ytd only)* | 82.8010% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,335 |
| Loan loss allowance to noncurrent loans | 95.1241% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 1,320 |
| Noncurrent loans to loans | 1.3421% | 1,299 |
| Net loans and leases to total assets | 64.3645% | 3,323 |
| Net loans and leases to deposits | 77.9295% | 3,118 |
| Net loans and leases to core deposits | 85.2195% | 2,968 |
| Total domestic deposits to total assets | 82.5933% | 3,701 |
| Equity capital to assets | 10.8743% | 2,757 |
| Core capital (leverage) ratio | 10.0803% | 3,348 |
| Tier 1 risk-based capital ratio | 12.3571% | 4,288 |
| Total risk-based capital ratio | 13.3951% | 4,330 |
| Memoranda: | ||
| Average total assets | $628,724,600 | 1,145 |
| Average earning assets | $569,472,400 | 1,159 |
| Average equity | $69,804,600 | 1,138 |
| Average total loans | $393,361,600 | 1,253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,597 |
| Cost of funding earning assets | 0.4240% | 2,941 |
| Net interest margin | 3.5025% | 3,494 |
| Noninterest income to average assets | 0.4524% | 3,320 |
| Noninterest expense to average assets | 2.4159% | 3,980 |
| Loan and lease loss provision to assets | 0.0579% | 2,927 |
| Net operating income to assets | 0.8598% | 3,230 |
| Return on assets (ROA) | 0.8065% | 3,545 |
| Pretax return on assets | 1.0810% | 3,380 |
| Return on Equity (ROE) | 7.2249% | 3,535 |
| Retained earnings to average equity (ytd only) | 2.1782% | 4,553 |
| Net charge-offs to loans | 0.0049% | 3,561 |
| Credit loss provision to net charge-offs | 1,928.5714% | 208 |
| Earnings coverage of net charge-offs (x) | 402.6326% | 237 |
| Efficiency ratio | 66.1142% | 3,190 |
| Assets per employee ($millions) | 5.5657% | 1,863 |
| Cash dividends to net income (ytd only)* | 69.8510% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 2,099 |
| Loan loss allowance to noncurrent loans | 86.0673% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 1,262 |
| Noncurrent loans to loans | 1.5743% | 1,180 |
| Net loans and leases to total assets | 61.4129% | 3,731 |
| Net loans and leases to deposits | 72.0222% | 3,769 |
| Net loans and leases to core deposits | 78.4690% | 3,595 |
| Total domestic deposits to total assets | 85.2693% | 2,612 |
| Equity capital to assets | 11.4381% | 2,433 |
| Core capital (leverage) ratio | 10.3339% | 3,159 |
| Tier 1 risk-based capital ratio | 13.0738% | 3,958 |
| Total risk-based capital ratio | 14.1494% | 3,984 |
| Memoranda: | ||
| Average total assets | $621,254,000 | 1,172 |
| Average earning assets | $562,904,000 | 1,182 |
| Average equity | $69,351,000 | 1,154 |
| Average total loans | $384,354,250 | 1,283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 3,762 |
| Cost of funding earning assets | 0.4202% | 2,891 |
| Net interest margin | 3.4181% | 3,707 |
| Noninterest income to average assets | 0.4390% | 3,429 |
| Noninterest expense to average assets | 2.4690% | 3,854 |
| Loan and lease loss provision to assets | 0.0585% | 2,799 |
| Net operating income to assets | 0.7740% | 3,525 |
| Return on assets (ROA) | 0.6641% | 4,065 |
| Pretax return on assets | 0.8667% | 4,052 |
| Return on Equity (ROE) | 6.0002% | 4,049 |
| Retained earnings to average equity (ytd only) | 0.8580% | 4,879 |
| Net charge-offs to loans | 0.0100% | 3,108 |
| Credit loss provision to net charge-offs | 947.3684% | 402 |
| Earnings coverage of net charge-offs (x) | 172.8421% | 455 |
| Efficiency ratio | 69.4005% | 2,786 |
| Assets per employee ($millions) | 5.7913% | 1,613 |
| Cash dividends to net income (ytd only)* | 85.7003% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,141 |
| Loan loss allowance to noncurrent loans | 81.0637% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 1,390 |
| Noncurrent loans to loans | 1.6728% | 1,092 |
| Net loans and leases to total assets | 59.4854% | 3,889 |
| Net loans and leases to deposits | 69.4991% | 3,949 |
| Net loans and leases to core deposits | 76.0423% | 3,770 |
| Total domestic deposits to total assets | 85.5915% | 2,578 |
| Equity capital to assets | 11.2063% | 2,582 |
| Core capital (leverage) ratio | 10.0196% | 3,515 |
| Tier 1 risk-based capital ratio | 12.8954% | 4,063 |
| Total risk-based capital ratio | 13.9518% | 4,089 |
| Memoranda: | ||
| Average total assets | $614,987,670 | 1,186 |
| Average earning assets | $557,378,330 | 1,198 |
| Average equity | $68,064,670 | 1,177 |
| Average total loans | $379,647,670 | 1,299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,415 |
| Cost of funding earning assets | 0.4133% | 2,871 |
| Net interest margin | 3.1889% | 4,377 |
| Noninterest income to average assets | 0.3838% | 3,781 |
| Noninterest expense to average assets | 2.3177% | 4,359 |
| Loan and lease loss provision to assets | 0.0602% | 2,596 |
| Net operating income to assets | 0.7347% | 3,535 |
| Return on assets (ROA) | 0.4928% | 4,649 |
| Pretax return on assets | 0.6005% | 4,732 |
| Return on Equity (ROE) | 4.4834% | 4,607 |
| Retained earnings to average equity (ytd only) | -0.8395% | 5,041 |
| Net charge-offs to loans | 0.0150% | 2,502 |
| Credit loss provision to net charge-offs | 642.8571% | 485 |
| Earnings coverage of net charge-offs (x) | 102.0714% | 522 |
| Efficiency ratio | 70.8069% | 2,778 |
| Assets per employee ($millions) | 7.0316% | 943 |
| Cash dividends to net income (ytd only)* | 118.7246% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,367 |
| Loan loss allowance to noncurrent loans | 164.3780% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 2,590 |
| Noncurrent loans to loans | 0.8117% | 2,420 |
| Net loans and leases to total assets | 57.7743% | 3,997 |
| Net loans and leases to deposits | 66.9436% | 4,097 |
| Net loans and leases to core deposits | 73.4646% | 3,881 |
| Total domestic deposits to total assets | 86.3030% | 2,535 |
| Equity capital to assets | 10.6069% | 3,061 |
| Core capital (leverage) ratio | 12.0790% | 1,579 |
| Tier 1 risk-based capital ratio | 13.5655% | 3,740 |
| Total risk-based capital ratio | 14.6673% | 3,742 |
| Memoranda: | ||
| Average total assets | $598,169,000 | 1,210 |
| Average earning assets | $542,003,500 | 1,234 |
| Average equity | $65,753,500 | 1,211 |
| Average total loans | $373,901,000 | 1,323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,700 |
| Cost of funding earning assets | 0.4388% | 2,620 |
| Net interest margin | 3.7005% | 2,691 |
| Noninterest income to average assets | 0.4448% | 3,579 |
| Noninterest expense to average assets | 2.4310% | 4,208 |
| Loan and lease loss provision to assets | 0.0446% | 3,493 |
| Net operating income to assets | 1.1538% | 1,683 |
| Return on assets (ROA) | 0.9907% | 2,496 |
| Pretax return on assets | 1.1543% | 2,879 |
| Return on Equity (ROE) | 8.5282% | 2,656 |
| Retained earnings to average equity (ytd only) | 4.0464% | 3,040 |
| Net charge-offs to loans | -0.0768% | 5,509 |
| Credit loss provision to net charge-offs | -89.2193% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6452% | 4,007 |
| Assets per employee ($millions) | 5.2834% | 2,081 |
| Cash dividends to net income (ytd only)* | 52.5526% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,905 |
| Loan loss allowance to noncurrent loans | 216.1833% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,599 |
| Noncurrent loans to loans | 0.6670% | 2,861 |
| Net loans and leases to total assets | 66.5308% | 2,997 |
| Net loans and leases to deposits | 78.9449% | 2,997 |
| Net loans and leases to core deposits | 89.0500% | 2,584 |
| Total domestic deposits to total assets | 84.2750% | 3,330 |
| Equity capital to assets | 11.4800% | 2,192 |
| Core capital (leverage) ratio | 11.3457% | 2,038 |
| Tier 1 risk-based capital ratio | 14.4412% | 3,217 |
| Total risk-based capital ratio | 15.6549% | 3,169 |
| Memoranda: | ||
| Average total assets | $537,799,400 | 1,285 |
| Average earning assets | $490,474,400 | 1,292 |
| Average equity | $62,474,800 | 1,252 |
| Average total loans | $350,273,400 | 1,340 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 2,878 |
| Cost of funding earning assets | 0.4232% | 2,802 |
| Net interest margin | 3.6769% | 2,803 |
| Noninterest income to average assets | 0.4302% | 3,689 |
| Noninterest expense to average assets | 2.3387% | 4,436 |
| Loan and lease loss provision to assets | 0.0444% | 3,350 |
| Net operating income to assets | 1.1409% | 1,846 |
| Return on assets (ROA) | 1.1781% | 1,815 |
| Pretax return on assets | 1.4575% | 1,862 |
| Return on Equity (ROE) | 10.1125% | 2,007 |
| Retained earnings to average equity (ytd only) | 5.6633% | 2,383 |
| Net charge-offs to loans | -0.0929% | 5,547 |
| Credit loss provision to net charge-offs | -74.0741% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6300% | 4,292 |
| Assets per employee ($millions) | 5.6465% | 1,719 |
| Cash dividends to net income (ytd only)* | 43.9975% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,997 |
| Loan loss allowance to noncurrent loans | 166.7876% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 2,661 |
| Noncurrent loans to loans | 0.8662% | 2,519 |
| Net loans and leases to total assets | 62.3466% | 3,607 |
| Net loans and leases to deposits | 74.4661% | 3,548 |
| Net loans and leases to core deposits | 83.8413% | 3,139 |
| Total domestic deposits to total assets | 83.7249% | 3,310 |
| Equity capital to assets | 11.7021% | 2,355 |
| Core capital (leverage) ratio | 11.5204% | 2,010 |
| Tier 1 risk-based capital ratio | 14.3261% | 3,384 |
| Total risk-based capital ratio | 15.5054% | 3,352 |
| Memoranda: | ||
| Average total assets | $540,165,000 | 1,284 |
| Average earning assets | $494,279,750 | 1,285 |
| Average equity | $62,930,250 | 1,253 |
| Average total loans | $348,679,250 | 1,344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 2,914 |
| Cost of funding earning assets | 0.4057% | 2,976 |
| Net interest margin | 3.6815% | 2,778 |
| Noninterest income to average assets | 0.3856% | 3,983 |
| Noninterest expense to average assets | 2.3167% | 4,563 |
| Loan and lease loss provision to assets | 0.0448% | 3,259 |
| Net operating income to assets | 1.1209% | 1,882 |
| Return on assets (ROA) | 1.1580% | 1,856 |
| Pretax return on assets | 1.4439% | 1,860 |
| Return on Equity (ROE) | 9.9547% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.4619% | 2,444 |
| Net charge-offs to loans | -0.1281% | 5,695 |
| Credit loss provision to net charge-offs | -53.8117% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6286% | 4,404 |
| Assets per employee ($millions) | 5.3221% | 1,961 |
| Cash dividends to net income (ytd only)* | 45.1322% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 2,068 |
| Loan loss allowance to noncurrent loans | 725.5102% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 4,107 |
| Noncurrent loans to loans | 0.1997% | 4,642 |
| Net loans and leases to total assets | 63.6045% | 3,425 |
| Net loans and leases to deposits | 76.2134% | 3,357 |
| Net loans and leases to core deposits | 85.3473% | 2,953 |
| Total domestic deposits to total assets | 83.4558% | 3,483 |
| Equity capital to assets | 12.1055% | 2,051 |
| Core capital (leverage) ratio | 11.3559% | 2,095 |
| Tier 1 risk-based capital ratio | 14.6098% | 3,249 |
| Total risk-based capital ratio | 15.8115% | 3,217 |
| Memoranda: | ||
| Average total assets | $535,769,000 | 1,297 |
| Average earning assets | $490,946,670 | 1,301 |
| Average equity | $62,322,330 | 1,267 |
| Average total loans | $348,221,000 | 1,342 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 2,942 |
| Cost of funding earning assets | 0.3924% | 3,165 |
| Net interest margin | 3.6838% | 2,742 |
| Noninterest income to average assets | 0.4048% | 3,796 |
| Noninterest expense to average assets | 2.2911% | 4,686 |
| Loan and lease loss provision to assets | 0.0446% | 3,033 |
| Net operating income to assets | 1.1681% | 1,650 |
| Return on assets (ROA) | 1.1705% | 1,752 |
| Pretax return on assets | 1.4533% | 1,740 |
| Return on Equity (ROE) | 10.2692% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.6993% | 2,531 |
| Net charge-offs to loans | -0.2499% | 5,896 |
| Credit loss provision to net charge-offs | -27.3973% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5149% | 4,677 |
| Assets per employee ($millions) | 5.4999% | 1,830 |
| Cash dividends to net income (ytd only)* | 44.5010% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 2,410 |
| Loan loss allowance to noncurrent loans | 1,156.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 4,323 |
| Noncurrent loans to loans | 0.1213% | 4,991 |
| Net loans and leases to total assets | 64.0887% | 3,232 |
| Net loans and leases to deposits | 76.1678% | 3,202 |
| Net loans and leases to core deposits | 84.2198% | 2,917 |
| Total domestic deposits to total assets | 84.1415% | 3,463 |
| Equity capital to assets | 11.4916% | 2,449 |
| Core capital (leverage) ratio | 11.4444% | 2,013 |
| Tier 1 risk-based capital ratio | 14.0923% | 3,625 |
| Total risk-based capital ratio | 15.2532% | 3,624 |
| Memoranda: | ||
| Average total assets | $537,550,500 | 1,293 |
| Average earning assets | $493,398,500 | 1,296 |
| Average equity | $61,270,500 | 1,275 |
| Average total loans | $350,589,500 | 1,330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,025 |
| Cost of funding earning assets | 0.3731% | 3,449 |
| Net interest margin | 3.6984% | 2,753 |
| Noninterest income to average assets | 0.4493% | 3,675 |
| Noninterest expense to average assets | 2.4633% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1469% | 1,745 |
| Return on assets (ROA) | 1.1486% | 1,809 |
| Pretax return on assets | 1.4170% | 1,832 |
| Return on Equity (ROE) | 10.3479% | 1,863 |
| Retained earnings to average equity (ytd only) | 5.8883% | 1,849 |
| Net charge-offs to loans | 0.1509% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.2375% | 2,318 |
| Efficiency ratio | 63.5168% | 4,365 |
| Assets per employee ($millions) | 5.4153% | 1,891 |
| Cash dividends to net income (ytd only)* | 43.0963% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,790 |
| Loan loss allowance to noncurrent loans | 934.2742% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 4,232 |
| Noncurrent loans to loans | 0.1414% | 4,925 |
| Net loans and leases to total assets | 64.5762% | 3,189 |
| Net loans and leases to deposits | 78.0899% | 3,046 |
| Net loans and leases to core deposits | 86.8660% | 2,707 |
| Total domestic deposits to total assets | 82.6947% | 3,947 |
| Equity capital to assets | 11.3041% | 2,538 |
| Core capital (leverage) ratio | 11.1483% | 2,267 |
| Tier 1 risk-based capital ratio | 13.8567% | 3,799 |
| Total risk-based capital ratio | 14.9487% | 3,817 |
| Memoranda: | ||
| Average total assets | $525,263,600 | 1,287 |
| Average earning assets | $486,988,000 | 1,282 |
| Average equity | $58,301,800 | 1,290 |
| Average total loans | $345,849,200 | 1,304 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,146 |
| Cost of funding earning assets | 0.3703% | 3,542 |
| Net interest margin | 3.6752% | 2,868 |
| Noninterest income to average assets | 0.4353% | 3,828 |
| Noninterest expense to average assets | 2.4160% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1478% | 1,838 |
| Return on assets (ROA) | 1.1423% | 1,922 |
| Pretax return on assets | 1.4309% | 1,902 |
| Return on Equity (ROE) | 10.3405% | 1,953 |
| Retained earnings to average equity (ytd only) | 5.8366% | 2,344 |
| Net charge-offs to loans | 0.1621% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.4488% | 2,328 |
| Efficiency ratio | 62.6920% | 4,460 |
| Assets per employee ($millions) | 5.4154% | 1,858 |
| Cash dividends to net income (ytd only)* | 43.5561% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,048.0088% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 4,277 |
| Noncurrent loans to loans | 0.1313% | 5,105 |
| Net loans and leases to total assets | 64.6171% | 3,209 |
| Net loans and leases to deposits | 75.6819% | 3,340 |
| Net loans and leases to core deposits | 84.3400% | 3,007 |
| Total domestic deposits to total assets | 85.3799% | 2,838 |
| Equity capital to assets | 11.2374% | 2,763 |
| Core capital (leverage) ratio | 11.1727% | 2,329 |
| Tier 1 risk-based capital ratio | 13.9407% | 3,879 |
| Total risk-based capital ratio | 15.0807% | 3,892 |
| Memoranda: | ||
| Average total assets | $522,551,000 | 1,299 |
| Average earning assets | $486,062,500 | 1,289 |
| Average equity | $57,726,500 | 1,312 |
| Average total loans | $344,602,500 | 1,312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,248 |
| Cost of funding earning assets | 0.3683% | 3,622 |
| Net interest margin | 3.6415% | 2,938 |
| Noninterest income to average assets | 0.4114% | 3,996 |
| Noninterest expense to average assets | 2.4009% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1108% | 1,905 |
| Return on assets (ROA) | 1.0923% | 2,075 |
| Pretax return on assets | 1.3795% | 2,067 |
| Return on Equity (ROE) | 9.9455% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.4074% | 2,595 |
| Net charge-offs to loans | 0.1845% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.5063% | 2,285 |
| Efficiency ratio | 63.1186% | 4,498 |
| Assets per employee ($millions) | 5.1820% | 2,056 |
| Cash dividends to net income (ytd only)* | 45.6300% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 2,699 |
| Loan loss allowance to noncurrent loans | 446.7221% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,825 |
| Noncurrent loans to loans | 0.3161% | 4,560 |
| Net loans and leases to total assets | 65.8389% | 2,982 |
| Net loans and leases to deposits | 76.9514% | 3,168 |
| Net loans and leases to core deposits | 85.5158% | 2,818 |
| Total domestic deposits to total assets | 85.5590% | 2,893 |
| Equity capital to assets | 11.1247% | 2,750 |
| Core capital (leverage) ratio | 11.0109% | 2,409 |
| Tier 1 risk-based capital ratio | 13.8580% | 4,002 |
| Total risk-based capital ratio | 15.0354% | 3,979 |
| Memoranda: | ||
| Average total assets | $521,637,670 | 1,307 |
| Average earning assets | $485,954,330 | 1,300 |
| Average equity | $57,292,330 | 1,327 |
| Average total loans | $344,748,330 | 1,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,578 |
| Cost of funding earning assets | 0.3676% | 3,673 |
| Net interest margin | 3.5386% | 3,269 |
| Noninterest income to average assets | 0.3689% | 4,260 |
| Noninterest expense to average assets | 2.3942% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0193% | 2,166 |
| Return on assets (ROA) | 1.0290% | 2,278 |
| Pretax return on assets | 1.2883% | 2,339 |
| Return on Equity (ROE) | 9.4282% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.8987% | 3,110 |
| Net charge-offs to loans | 0.1215% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.9810% | 1,597 |
| Efficiency ratio | 65.2300% | 4,283 |
| Assets per employee ($millions) | 5.3887% | 1,903 |
| Cash dividends to net income (ytd only)* | 48.0414% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 2,472 |
| Loan loss allowance to noncurrent loans | 444.6303% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 3,926 |
| Noncurrent loans to loans | 0.3359% | 4,584 |
| Net loans and leases to total assets | 63.7420% | 3,123 |
| Net loans and leases to deposits | 74.2261% | 3,284 |
| Net loans and leases to core deposits | 81.9212% | 2,972 |
| Total domestic deposits to total assets | 85.8755% | 3,005 |
| Equity capital to assets | 11.0748% | 2,890 |
| Core capital (leverage) ratio | 10.8149% | 2,608 |
| Tier 1 risk-based capital ratio | 13.7995% | 4,150 |
| Total risk-based capital ratio | 15.0417% | 4,074 |
| Memoranda: | ||
| Average total assets | $525,947,000 | 1,300 |
| Average earning assets | $490,698,500 | 1,290 |
| Average equity | $57,402,500 | 1,329 |
| Average total loans | $345,820,500 | 1,309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 451 |
| Cost of funding earning assets | 0.5042% | 2,630 |
| Net interest margin | 4.7848% | 445 |
| Noninterest income to average assets | 0.5415% | 3,224 |
| Noninterest expense to average assets | 3.2776% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4042% | 1,079 |
| Return on assets (ROA) | 1.3574% | 1,216 |
| Pretax return on assets | 1.6080% | 1,216 |
| Return on Equity (ROE) | 13.1793% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.7903% | 749 |
| Net charge-offs to loans | 0.0871% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.1850% | 1,366 |
| Efficiency ratio | 66.3295% | 4,195 |
| Assets per employee ($millions) | 5.4556% | 1,809 |
| Cash dividends to net income (ytd only)* | 33.3025% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,651 |
| Loan loss allowance to noncurrent loans | 573.5261% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 4,226 |
| Noncurrent loans to loans | 0.2544% | 4,925 |
| Net loans and leases to total assets | 65.8085% | 2,917 |
| Net loans and leases to deposits | 78.5424% | 2,905 |
| Net loans and leases to core deposits | 87.5094% | 2,547 |
| Total domestic deposits to total assets | 83.7872% | 3,808 |
| Equity capital to assets | 10.7554% | 3,174 |
| Core capital (leverage) ratio | 10.6609% | 2,770 |
| Tier 1 risk-based capital ratio | 13.6471% | 4,325 |
| Total risk-based capital ratio | 14.8890% | 4,267 |
| Memoranda: | ||
| Average total assets | $398,186,000 | 1,646 |
| Average earning assets | $366,156,200 | 1,642 |
| Average equity | $41,011,200 | 1,746 |
| Average total loans | $260,594,600 | 1,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,257 |
| Cost of funding earning assets | 0.4170% | 3,614 |
| Net interest margin | 3.7117% | 2,978 |
| Noninterest income to average assets | 0.4313% | 4,011 |
| Noninterest expense to average assets | 2.6612% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0248% | 2,347 |
| Return on assets (ROA) | 0.9384% | 2,829 |
| Pretax return on assets | 1.0687% | 3,305 |
| Return on Equity (ROE) | 9.2595% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.8295% | 1,909 |
| Net charge-offs to loans | 0.1275% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.0881% | 2,166 |
| Efficiency ratio | 69.5196% | 3,589 |
| Assets per employee ($millions) | 5.5038% | 1,721 |
| Cash dividends to net income (ytd only)* | 26.2442% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 2,669 |
| Loan loss allowance to noncurrent loans | 349.2754% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 3,690 |
| Noncurrent loans to loans | 0.4318% | 4,608 |
| Net loans and leases to total assets | 64.0223% | 3,168 |
| Net loans and leases to deposits | 73.8052% | 3,459 |
| Net loans and leases to core deposits | 84.1182% | 2,867 |
| Total domestic deposits to total assets | 86.7449% | 2,452 |
| Equity capital to assets | 10.5517% | 3,497 |
| Core capital (leverage) ratio | 10.3920% | 3,169 |
| Tier 1 risk-based capital ratio | 13.5115% | 4,530 |
| Total risk-based capital ratio | 14.7507% | 4,479 |
| Memoranda: | ||
| Average total assets | $365,434,250 | 1,794 |
| Average earning assets | $334,432,250 | 1,809 |
| Average equity | $37,034,750 | 1,904 |
| Average total loans | $237,390,750 | 1,785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 3,404 |
| Cost of funding earning assets | 0.4159% | 3,698 |
| Net interest margin | 3.6702% | 3,065 |
| Noninterest income to average assets | 0.4705% | 3,707 |
| Noninterest expense to average assets | 2.7009% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0392% | 2,169 |
| Return on assets (ROA) | 0.9003% | 2,897 |
| Pretax return on assets | 0.9728% | 3,599 |
| Return on Equity (ROE) | 9.0086% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.5367% | 2,014 |
| Net charge-offs to loans | 0.2240% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.7132% | 2,588 |
| Efficiency ratio | 70.6491% | 3,544 |
| Assets per employee ($millions) | 4.9934% | 2,225 |
| Cash dividends to net income (ytd only)* | 27.4390% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 2,832 |
| Loan loss allowance to noncurrent loans | 315.9894% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 3,328 |
| Noncurrent loans to loans | 0.4795% | 4,562 |
| Net loans and leases to total assets | 64.6674% | 2,968 |
| Net loans and leases to deposits | 73.8582% | 3,334 |
| Net loans and leases to core deposits | 84.7295% | 2,653 |
| Total domestic deposits to total assets | 87.5561% | 2,167 |
| Equity capital to assets | 10.5533% | 3,377 |
| Core capital (leverage) ratio | 10.3720% | 3,112 |
| Tier 1 risk-based capital ratio | 13.4573% | 4,615 |
| Total risk-based capital ratio | 14.7080% | 4,552 |
| Memoranda: | ||
| Average total assets | $364,327,000 | 1,797 |
| Average earning assets | $332,784,000 | 1,812 |
| Average equity | $36,409,670 | 1,924 |
| Average total loans | $236,620,670 | 1,779 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,488 |
| Cost of funding earning assets | 0.3979% | 3,995 |
| Net interest margin | 3.6494% | 3,064 |
| Noninterest income to average assets | 0.4636% | 3,682 |
| Noninterest expense to average assets | 2.7475% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0536% | 1,995 |
| Return on assets (ROA) | 0.7777% | 3,344 |
| Pretax return on assets | 0.7515% | 4,303 |
| Return on Equity (ROE) | 8.0015% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.4765% | 2,796 |
| Net charge-offs to loans | 0.3985% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.9915% | 2,590 |
| Efficiency ratio | 72.7824% | 3,344 |
| Assets per employee ($millions) | 5.3501% | 1,863 |
| Cash dividends to net income (ytd only)* | 31.5568% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 2,893 |
| Loan loss allowance to noncurrent loans | 209.4077% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 3,108 |
| Noncurrent loans to loans | 0.7431% | 4,010 |
| Net loans and leases to total assets | 62.7081% | 3,123 |
| Net loans and leases to deposits | 71.1085% | 3,459 |
| Net loans and leases to core deposits | 81.2048% | 2,829 |
| Total domestic deposits to total assets | 88.1866% | 2,122 |
| Equity capital to assets | 9.9979% | 3,846 |
| Core capital (leverage) ratio | 10.1842% | 3,313 |
| Tier 1 risk-based capital ratio | 13.2961% | 4,829 |
| Total risk-based capital ratio | 14.5359% | 4,763 |
| Memoranda: | ||
| Average total assets | $366,727,500 | 1,791 |
| Average earning assets | $332,766,000 | 1,813 |
| Average equity | $35,643,500 | 1,960 |
| Average total loans | $236,894,500 | 1,778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 3,436 |
| Cost of funding earning assets | 0.4618% | 4,004 |
| Net interest margin | 3.7122% | 3,008 |
| Noninterest income to average assets | 0.3246% | 5,015 |
| Noninterest expense to average assets | 2.5104% | 4,735 |
| Loan and lease loss provision to assets | 0.0342% | 4,434 |
| Net operating income to assets | 0.9731% | 2,451 |
| Return on assets (ROA) | 0.9593% | 2,582 |
| Pretax return on assets | 1.1532% | 2,761 |
| Return on Equity (ROE) | 10.1425% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.8415% | 809 |
| Net charge-offs to loans | 0.1691% | 3,130 |
| Credit loss provision to net charge-offs | 32.2997% | 4,202 |
| Earnings coverage of net charge-offs (x) | 11.3773% | 2,248 |
| Efficiency ratio | 67.5845% | 4,276 |
| Assets per employee ($millions) | 5.6007% | 1,563 |
| Cash dividends to net income (ytd only)* | 12.8278% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 2,806 |
| Loan loss allowance to noncurrent loans | 169.6247% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.3172% | 2,784 |
| Noncurrent loans to loans | 0.9358% | 3,647 |
| Net loans and leases to total assets | 64.4409% | 2,964 |
| Net loans and leases to deposits | 76.8904% | 2,871 |
| Net loans and leases to core deposits | 88.2666% | 2,215 |
| Total domestic deposits to total assets | 83.8087% | 4,240 |
| Equity capital to assets | 9.4452% | 4,495 |
| Core capital (leverage) ratio | 9.9005% | 3,701 |
| Tier 1 risk-based capital ratio | 12.6033% | 5,229 |
| Total risk-based capital ratio | 13.8550% | 5,176 |
| Memoranda: | ||
| Average total assets | $365,683,200 | 1,779 |
| Average earning assets | $333,922,400 | 1,780 |
| Average equity | $34,587,000 | 1,992 |
| Average total loans | $228,847,600 | 1,794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,421 |
| Cost of funding earning assets | 0.4718% | 4,050 |
| Net interest margin | 3.7197% | 2,957 |
| Noninterest income to average assets | 0.3093% | 5,229 |
| Noninterest expense to average assets | 2.5208% | 4,653 |
| Loan and lease loss provision to assets | 0.0457% | 4,096 |
| Net operating income to assets | 0.9330% | 2,675 |
| Return on assets (ROA) | 0.9922% | 2,499 |
| Pretax return on assets | 1.2200% | 2,619 |
| Return on Equity (ROE) | 10.4870% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.7482% | 1,142 |
| Net charge-offs to loans | -0.0219% | 6,065 |
| Credit loss provision to net charge-offs | -337.8378% | 5,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8842% | 4,120 |
| Assets per employee ($millions) | 5.4752% | 1,650 |
| Cash dividends to net income (ytd only)* | 16.5808% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,099 |
| Loan loss allowance to noncurrent loans | 148.1250% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 2,580 |
| Noncurrent loans to loans | 1.2594% | 3,295 |
| Net loans and leases to total assets | 62.1040% | 3,339 |
| Net loans and leases to deposits | 70.1143% | 3,772 |
| Net loans and leases to core deposits | 80.9980% | 3,004 |
| Total domestic deposits to total assets | 88.5753% | 1,795 |
| Equity capital to assets | 9.4998% | 4,560 |
| Core capital (leverage) ratio | 9.7589% | 4,018 |
| Tier 1 risk-based capital ratio | 12.8566% | 5,218 |
| Total risk-based capital ratio | 14.1109% | 5,159 |
| Memoranda: | ||
| Average total assets | $364,691,750 | 1,796 |
| Average earning assets | $333,744,500 | 1,792 |
| Average equity | $34,505,250 | 2,011 |
| Average total loans | $225,547,750 | 1,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,366 |
| Cost of funding earning assets | 0.4803% | 4,094 |
| Net interest margin | 3.7198% | 2,883 |
| Noninterest income to average assets | 0.3335% | 5,030 |
| Noninterest expense to average assets | 2.4680% | 4,844 |
| Loan and lease loss provision to assets | 0.0683% | 3,677 |
| Net operating income to assets | 0.9557% | 2,535 |
| Return on assets (ROA) | 1.0148% | 2,397 |
| Pretax return on assets | 1.2712% | 2,401 |
| Return on Equity (ROE) | 10.7395% | 1,913 |
| Retained earnings to average equity (ytd only) | 9.0036% | 1,117 |
| Net charge-offs to loans | -0.0009% | 5,499 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1005% | 4,532 |
| Assets per employee ($millions) | 5.4409% | 1,640 |
| Cash dividends to net income (ytd only)* | 16.1638% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,113 |
| Loan loss allowance to noncurrent loans | 185.9341% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 2,900 |
| Noncurrent loans to loans | 1.0222% | 3,891 |
| Net loans and leases to total assets | 60.8008% | 3,518 |
| Net loans and leases to deposits | 71.0545% | 3,577 |
| Net loans and leases to core deposits | 79.6125% | 3,069 |
| Total domestic deposits to total assets | 85.5692% | 3,602 |
| Equity capital to assets | 9.2172% | 4,965 |
| Core capital (leverage) ratio | 9.5425% | 4,178 |
| Tier 1 risk-based capital ratio | 12.8255% | 5,274 |
| Total risk-based capital ratio | 14.0798% | 5,199 |
| Memoranda: | ||
| Average total assets | $365,800,670 | 1,790 |
| Average earning assets | $334,370,330 | 1,795 |
| Average equity | $34,564,000 | 2,010 |
| Average total loans | $224,501,000 | 1,825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,318 |
| Cost of funding earning assets | 0.4895% | 4,182 |
| Net interest margin | 3.7072% | 2,821 |
| Noninterest income to average assets | 0.3283% | 5,079 |
| Noninterest expense to average assets | 2.5453% | 4,588 |
| Loan and lease loss provision to assets | 0.0813% | 3,297 |
| Net operating income to assets | 0.8965% | 2,676 |
| Return on assets (ROA) | 0.9525% | 2,570 |
| Pretax return on assets | 1.1594% | 2,727 |
| Return on Equity (ROE) | 9.9613% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.2614% | 1,657 |
| Net charge-offs to loans | 0.2856% | 1,823 |
| Credit loss provision to net charge-offs | 46.5839% | 2,651 |
| Earnings coverage of net charge-offs (x) | 6.7205% | 2,175 |
| Efficiency ratio | 68.4640% | 4,229 |
| Assets per employee ($millions) | 5.6876% | 1,503 |
| Cash dividends to net income (ytd only)* | 17.0648% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 2,431 |
| Loan loss allowance to noncurrent loans | 180.7467% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.4098% | 3,159 |
| Noncurrent loans to loans | 1.0277% | 4,082 |
| Net loans and leases to total assets | 57.4235% | 3,855 |
| Net loans and leases to deposits | 65.2072% | 4,164 |
| Net loans and leases to core deposits | 73.1034% | 3,693 |
| Total domestic deposits to total assets | 88.0632% | 2,272 |
| Equity capital to assets | 9.6133% | 4,689 |
| Core capital (leverage) ratio | 9.2980% | 4,401 |
| Tier 1 risk-based capital ratio | 12.8799% | 5,313 |
| Total risk-based capital ratio | 14.1166% | 5,267 |
| Memoranda: | ||
| Average total assets | $369,151,500 | 1,787 |
| Average earning assets | $337,502,500 | 1,791 |
| Average equity | $35,296,500 | 2,000 |
| Average total loans | $225,469,000 | 1,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 3,298 |
| Cost of funding earning assets | 0.6795% | 3,656 |
| Net interest margin | 3.8458% | 3,039 |
| Noninterest income to average assets | 0.3530% | 4,943 |
| Noninterest expense to average assets | 2.5835% | 4,798 |
| Loan and lease loss provision to assets | 0.1376% | 3,895 |
| Net operating income to assets | 0.9351% | 2,622 |
| Return on assets (ROA) | 1.0102% | 2,509 |
| Pretax return on assets | 1.2239% | 2,709 |
| Return on Equity (ROE) | 10.9456% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.9456% | 446 |
| Net charge-offs to loans | 0.1183% | 4,506 |
| Credit loss provision to net charge-offs | 184.9057% | 1,421 |
| Earnings coverage of net charge-offs (x) | 17.0792% | 1,532 |
| Efficiency ratio | 67.0237% | 4,324 |
| Assets per employee ($millions) | 5.7595% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,763 |
| Loan loss allowance to noncurrent loans | 219.3479% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 3,110 |
| Noncurrent loans to loans | 0.7974% | 4,589 |
| Net loans and leases to total assets | 62.5391% | 3,159 |
| Net loans and leases to deposits | 73.1183% | 3,238 |
| Net loans and leases to core deposits | 82.3903% | 2,728 |
| Total domestic deposits to total assets | 85.5314% | 3,597 |
| Equity capital to assets | 9.5096% | 4,860 |
| Core capital (leverage) ratio | 9.1960% | 4,587 |
| Tier 1 risk-based capital ratio | 11.8798% | 5,853 |
| Total risk-based capital ratio | 13.1178% | 5,825 |
| Memoranda: | ||
| Average total assets | $356,067,200 | 1,822 |
| Average earning assets | $324,198,400 | 1,836 |
| Average equity | $32,862,600 | 2,099 |
| Average total loans | $223,930,400 | 1,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 3,245 |
| Cost of funding earning assets | 0.7186% | 3,608 |
| Net interest margin | 3.8719% | 3,021 |
| Noninterest income to average assets | 0.2675% | 5,638 |
| Noninterest expense to average assets | 2.6475% | 4,574 |
| Loan and lease loss provision to assets | 0.1568% | 3,558 |
| Net operating income to assets | 0.8191% | 3,348 |
| Return on assets (ROA) | 0.9244% | 3,081 |
| Pretax return on assets | 1.1137% | 3,299 |
| Return on Equity (ROE) | 10.0962% | 2,304 |
| Retained earnings to average equity (ytd only) | 10.0962% | 889 |
| Net charge-offs to loans | 0.1597% | 3,838 |
| Credit loss provision to net charge-offs | 156.6038% | 1,794 |
| Earnings coverage of net charge-offs (x) | 11.4228% | 2,079 |
| Efficiency ratio | 69.8356% | 3,722 |
| Assets per employee ($millions) | 5.6352% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 2,790 |
| Loan loss allowance to noncurrent loans | 199.0613% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 3,062 |
| Noncurrent loans to loans | 0.9055% | 4,618 |
| Net loans and leases to total assets | 61.8282% | 3,415 |
| Net loans and leases to deposits | 70.3323% | 3,852 |
| Net loans and leases to core deposits | 79.0925% | 3,313 |
| Total domestic deposits to total assets | 87.9087% | 2,099 |
| Equity capital to assets | 9.5942% | 5,072 |
| Core capital (leverage) ratio | 9.0536% | 4,982 |
| Tier 1 risk-based capital ratio | 12.1658% | 5,847 |
| Total risk-based capital ratio | 13.4057% | 5,822 |
| Memoranda: | ||
| Average total assets | $352,932,500 | 1,851 |
| Average earning assets | $321,181,250 | 1,865 |
| Average equity | $32,315,000 | 2,149 |
| Average total loans | $221,256,250 | 1,843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 3,215 |
| Cost of funding earning assets | 0.7604% | 3,515 |
| Net interest margin | 3.8729% | 3,024 |
| Noninterest income to average assets | 0.1953% | 6,163 |
| Noninterest expense to average assets | 2.6704% | 4,535 |
| Loan and lease loss provision to assets | 0.1931% | 3,158 |
| Net operating income to assets | 0.7073% | 3,835 |
| Return on assets (ROA) | 0.7870% | 3,698 |
| Pretax return on assets | 0.9505% | 3,881 |
| Return on Equity (ROE) | 8.7354% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.7354% | 1,363 |
| Net charge-offs to loans | 0.2340% | 3,169 |
| Credit loss provision to net charge-offs | 131.7829% | 2,083 |
| Earnings coverage of net charge-offs (x) | 7.1512% | 2,523 |
| Efficiency ratio | 71.8235% | 3,458 |
| Assets per employee ($millions) | 5.4972% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,871 |
| Loan loss allowance to noncurrent loans | 143.5145% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 2,788 |
| Noncurrent loans to loans | 1.2506% | 4,048 |
| Net loans and leases to total assets | 62.5831% | 3,316 |
| Net loans and leases to deposits | 71.5844% | 3,676 |
| Net loans and leases to core deposits | 79.6281% | 3,265 |
| Total domestic deposits to total assets | 87.4256% | 2,521 |
| Equity capital to assets | 9.4577% | 5,120 |
| Core capital (leverage) ratio | 8.7828% | 5,246 |
| Tier 1 risk-based capital ratio | 11.8442% | 6,029 |
| Total risk-based capital ratio | 13.0852% | 6,005 |
| Memoranda: | ||
| Average total assets | $352,238,000 | 1,863 |
| Average earning assets | $320,377,000 | 1,868 |
| Average equity | $31,733,000 | 2,161 |
| Average total loans | $220,498,670 | 1,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 3,240 |
| Cost of funding earning assets | 0.8007% | 3,468 |
| Net interest margin | 3.8538% | 3,122 |
| Noninterest income to average assets | 0.2230% | 6,021 |
| Noninterest expense to average assets | 2.6915% | 4,455 |
| Loan and lease loss provision to assets | 0.2140% | 2,811 |
| Net operating income to assets | 0.6710% | 4,026 |
| Return on assets (ROA) | 0.9595% | 2,847 |
| Pretax return on assets | 1.1408% | 3,158 |
| Return on Equity (ROE) | 10.9152% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.9152% | 1,051 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6886% | 3,311 |
| Assets per employee ($millions) | 5.3355% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 2,727 |
| Loan loss allowance to noncurrent loans | 136.2571% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 2.2127% | 2,680 |
| Noncurrent loans to loans | 1.3833% | 4,041 |
| Net loans and leases to total assets | 59.2675% | 3,813 |
| Net loans and leases to deposits | 67.2275% | 4,187 |
| Net loans and leases to core deposits | 75.3747% | 3,701 |
| Total domestic deposits to total assets | 88.1597% | 2,211 |
| Equity capital to assets | 8.8698% | 5,671 |
| Core capital (leverage) ratio | 8.7593% | 5,186 |
| Tier 1 risk-based capital ratio | 11.7769% | 6,104 |
| Total risk-based capital ratio | 13.0266% | 6,087 |
| Memoranda: | ||
| Average total assets | $355,196,000 | 1,865 |
| Average earning assets | $320,719,500 | 1,876 |
| Average equity | $31,222,500 | 2,189 |
| Average total loans | $220,398,000 | 1,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 2,769 |
| Cost of funding earning assets | 1.0024% | 3,364 |
| Net interest margin | 4.0250% | 2,762 |
| Noninterest income to average assets | 0.2989% | 5,386 |
| Noninterest expense to average assets | 2.8598% | 4,130 |
| Loan and lease loss provision to assets | 0.2654% | 3,568 |
| Net operating income to assets | 0.6968% | 3,509 |
| Return on assets (ROA) | 0.8302% | 3,070 |
| Pretax return on assets | 0.9269% | 3,528 |
| Return on Equity (ROE) | 9.9482% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.9482% | 581 |
| Net charge-offs to loans | 0.4964% | 3,008 |
| Credit loss provision to net charge-offs | 82.1101% | 4,363 |
| Earnings coverage of net charge-offs (x) | 3.2303% | 3,597 |
| Efficiency ratio | 73.2569% | 3,349 |
| Assets per employee ($millions) | 5.1899% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 3,108 |
| Loan loss allowance to noncurrent loans | 127.8932% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 2.5227% | 2,406 |
| Noncurrent loans to loans | 1.3489% | 4,120 |
| Net loans and leases to total assets | 62.6155% | 3,488 |
| Net loans and leases to deposits | 72.6274% | 3,717 |
| Net loans and leases to core deposits | 81.9885% | 3,182 |
| Total domestic deposits to total assets | 86.2147% | 3,188 |
| Equity capital to assets | 8.7096% | 5,885 |
| Core capital (leverage) ratio | 8.5744% | 5,435 |
| Tier 1 risk-based capital ratio | 10.9580% | 6,476 |
| Total risk-based capital ratio | 12.1983% | 6,462 |
| Memoranda: | ||
| Average total assets | $337,266,400 | 1,915 |
| Average earning assets | $302,063,400 | 1,942 |
| Average equity | $28,145,800 | 2,326 |
| Average total loans | $219,592,600 | 1,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0679% | 2,759 |
| Cost of funding earning assets | 1.0377% | 3,407 |
| Net interest margin | 4.0301% | 2,779 |
| Noninterest income to average assets | 0.3220% | 5,293 |
| Noninterest expense to average assets | 2.9525% | 3,735 |
| Loan and lease loss provision to assets | 0.2500% | 3,505 |
| Net operating income to assets | 0.6281% | 3,975 |
| Return on assets (ROA) | 0.7363% | 3,617 |
| Pretax return on assets | 0.8491% | 3,954 |
| Return on Equity (ROE) | 8.9265% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.9265% | 1,169 |
| Net charge-offs to loans | 0.3860% | 3,189 |
| Credit loss provision to net charge-offs | 98.8924% | 3,456 |
| Earnings coverage of net charge-offs (x) | 3.8560% | 3,272 |
| Efficiency ratio | 75.1808% | 2,975 |
| Assets per employee ($millions) | 4.9724% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,662 |
| Loan loss allowance to noncurrent loans | 82.2447% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 3.3635% | 1,888 |
| Noncurrent loans to loans | 2.2915% | 3,007 |
| Net loans and leases to total assets | 61.7110% | 3,797 |
| Net loans and leases to deposits | 70.2058% | 4,263 |
| Net loans and leases to core deposits | 78.6888% | 3,803 |
| Total domestic deposits to total assets | 87.9002% | 2,088 |
| Equity capital to assets | 8.6888% | 6,095 |
| Core capital (leverage) ratio | 8.6230% | 5,517 |
| Tier 1 risk-based capital ratio | 11.0704% | 6,501 |
| Total risk-based capital ratio | 12.2774% | 6,510 |
| Memoranda: | ||
| Average total assets | $333,355,250 | 1,949 |
| Average earning assets | $298,211,500 | 1,969 |
| Average equity | $27,498,000 | 2,360 |
| Average total loans | $218,276,750 | 1,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 2,629 |
| Cost of funding earning assets | 1.0737% | 3,439 |
| Net interest margin | 4.0370% | 2,661 |
| Noninterest income to average assets | 0.1969% | 6,262 |
| Noninterest expense to average assets | 2.8839% | 4,088 |
| Loan and lease loss provision to assets | 0.2666% | 3,268 |
| Net operating income to assets | 0.6191% | 3,963 |
| Return on assets (ROA) | 0.5798% | 4,288 |
| Pretax return on assets | 0.6174% | 4,685 |
| Return on Equity (ROE) | 7.1613% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.1613% | 1,805 |
| Net charge-offs to loans | 0.5431% | 2,471 |
| Credit loss provision to net charge-offs | 73.9496% | 3,949 |
| Earnings coverage of net charge-offs (x) | 2.5681% | 3,545 |
| Efficiency ratio | 75.6997% | 3,074 |
| Assets per employee ($millions) | 4.9648% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8314% | 2,889 |
| Loan loss allowance to noncurrent loans | 109.1339% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 3.1732% | 2,117 |
| Noncurrent loans to loans | 1.6781% | 3,911 |
| Net loans and leases to total assets | 64.1095% | 3,440 |
| Net loans and leases to deposits | 72.7061% | 3,997 |
| Net loans and leases to core deposits | 80.4616% | 3,720 |
| Total domestic deposits to total assets | 88.1763% | 2,027 |
| Equity capital to assets | 8.5983% | 6,058 |
| Core capital (leverage) ratio | 8.3529% | 5,780 |
| Tier 1 risk-based capital ratio | 10.9250% | 6,588 |
| Total risk-based capital ratio | 12.1614% | 6,559 |
| Memoranda: | ||
| Average total assets | $330,108,330 | 1,973 |
| Average earning assets | $295,414,670 | 2,004 |
| Average equity | $26,727,000 | 2,405 |
| Average total loans | $219,104,000 | 1,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 2,776 |
| Cost of funding earning assets | 1.0724% | 3,706 |
| Net interest margin | 3.9974% | 2,689 |
| Noninterest income to average assets | 0.4503% | 4,284 |
| Noninterest expense to average assets | 2.8637% | 4,218 |
| Loan and lease loss provision to assets | 0.2415% | 3,262 |
| Net operating income to assets | 0.7635% | 3,197 |
| Return on assets (ROA) | 0.7932% | 3,135 |
| Pretax return on assets | 0.9634% | 3,273 |
| Return on Equity (ROE) | 10.1065% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.1065% | 1,103 |
| Net charge-offs to loans | 0.5396% | 2,146 |
| Credit loss provision to net charge-offs | 66.8896% | 3,408 |
| Earnings coverage of net charge-offs (x) | 3.2375% | 2,809 |
| Efficiency ratio | 71.0180% | 4,053 |
| Assets per employee ($millions) | 4.9052% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,808 |
| Loan loss allowance to noncurrent loans | 99.2757% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 3.2353% | 2,126 |
| Noncurrent loans to loans | 1.8787% | 3,724 |
| Net loans and leases to total assets | 61.7956% | 3,899 |
| Net loans and leases to deposits | 70.5553% | 4,264 |
| Net loans and leases to core deposits | 77.6541% | 4,069 |
| Total domestic deposits to total assets | 87.5846% | 2,621 |
| Equity capital to assets | 7.8406% | 6,641 |
| Core capital (leverage) ratio | 8.3483% | 5,715 |
| Tier 1 risk-based capital ratio | 11.1095% | 6,428 |
| Total risk-based capital ratio | 12.3278% | 6,431 |
| Memoranda: | ||
| Average total assets | $331,322,500 | 1,977 |
| Average earning assets | $296,892,500 | 2,018 |
| Average equity | $26,003,000 | 2,450 |
| Average total loans | $221,659,500 | 1,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 2,224 |
| Cost of funding earning assets | 1.2937% | 3,921 |
| Net interest margin | 4.2204% | 2,097 |
| Noninterest income to average assets | 0.5032% | 4,142 |
| Noninterest expense to average assets | 3.0061% | 3,833 |
| Loan and lease loss provision to assets | 0.6329% | 2,599 |
| Net operating income to assets | 0.6576% | 3,401 |
| Return on assets (ROA) | 0.5539% | 4,027 |
| Pretax return on assets | 0.5505% | 4,474 |
| Return on Equity (ROE) | 7.0555% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.0555% | 1,297 |
| Net charge-offs to loans | 0.6341% | 3,121 |
| Credit loss provision to net charge-offs | 139.7410% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.8419% | 3,652 |
| Efficiency ratio | 70.0201% | 4,177 |
| Assets per employee ($millions) | 4.5660% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,958 |
| Loan loss allowance to noncurrent loans | 80.1180% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 3.8305% | 1,785 |
| Noncurrent loans to loans | 2.2090% | 3,311 |
| Net loans and leases to total assets | 69.7492% | 2,585 |
| Net loans and leases to deposits | 80.6510% | 3,052 |
| Net loans and leases to core deposits | 89.5964% | 2,820 |
| Total domestic deposits to total assets | 86.4828% | 3,089 |
| Equity capital to assets | 7.8563% | 6,632 |
| Core capital (leverage) ratio | 8.1987% | 5,827 |
| Tier 1 risk-based capital ratio | 10.2523% | 6,847 |
| Total risk-based capital ratio | 11.5061% | 6,823 |
| Memoranda: | ||
| Average total assets | $323,904,400 | 2,003 |
| Average earning assets | $290,870,000 | 2,040 |
| Average equity | $25,427,000 | 2,510 |
| Average total loans | $231,368,200 | 1,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 2,195 |
| Cost of funding earning assets | 1.3287% | 4,043 |
| Net interest margin | 4.2359% | 2,083 |
| Noninterest income to average assets | 0.5002% | 4,186 |
| Noninterest expense to average assets | 2.7993% | 4,493 |
| Loan and lease loss provision to assets | 0.7205% | 2,120 |
| Net operating income to assets | 0.6651% | 3,575 |
| Return on assets (ROA) | 0.6707% | 3,704 |
| Pretax return on assets | 0.7868% | 3,959 |
| Return on Equity (ROE) | 8.5454% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.5454% | 1,222 |
| Net charge-offs to loans | 0.6659% | 2,765 |
| Credit loss provision to net charge-offs | 151.2532% | 2,569 |
| Earnings coverage of net charge-offs (x) | 3.1504% | 3,567 |
| Efficiency ratio | 65.0996% | 5,037 |
| Assets per employee ($millions) | 4.7252% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,917 |
| Loan loss allowance to noncurrent loans | 50.0429% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.9100% | 1,801 |
| Noncurrent loans to loans | 3.5260% | 2,236 |
| Net loans and leases to total assets | 68.7405% | 3,046 |
| Net loans and leases to deposits | 79.9695% | 3,456 |
| Net loans and leases to core deposits | 89.5123% | 3,164 |
| Total domestic deposits to total assets | 85.9584% | 3,096 |
| Equity capital to assets | 8.0721% | 6,740 |
| Core capital (leverage) ratio | 8.2739% | 5,916 |
| Tier 1 risk-based capital ratio | 10.4410% | 6,811 |
| Total risk-based capital ratio | 11.6446% | 6,837 |
| Memoranda: | ||
| Average total assets | $323,833,750 | 2,035 |
| Average earning assets | $290,493,250 | 2,075 |
| Average equity | $25,416,500 | 2,547 |
| Average total loans | $231,662,250 | 1,909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6103% | 2,104 |
| Cost of funding earning assets | 1.3684% | 4,074 |
| Net interest margin | 4.2419% | 2,009 |
| Noninterest income to average assets | 0.4802% | 4,285 |
| Noninterest expense to average assets | 2.7264% | 4,803 |
| Loan and lease loss provision to assets | 0.4354% | 3,135 |
| Net operating income to assets | 0.9014% | 2,549 |
| Return on assets (ROA) | 0.8995% | 2,672 |
| Pretax return on assets | 1.1414% | 2,622 |
| Return on Equity (ROE) | 11.5732% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.5732% | 553 |
| Net charge-offs to loans | 0.7241% | 2,410 |
| Credit loss provision to net charge-offs | 83.4327% | 4,613 |
| Earnings coverage of net charge-offs (x) | 3.0262% | 3,485 |
| Efficiency ratio | 63.3198% | 5,463 |
| Assets per employee ($millions) | 4.1749% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 4,078 |
| Loan loss allowance to noncurrent loans | 73.2197% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 2,529 |
| Noncurrent loans to loans | 2.0046% | 3,709 |
| Net loans and leases to total assets | 70.9203% | 2,682 |
| Net loans and leases to deposits | 81.1724% | 3,404 |
| Net loans and leases to core deposits | 90.9714% | 3,127 |
| Total domestic deposits to total assets | 87.3701% | 2,341 |
| Equity capital to assets | 8.2107% | 6,529 |
| Core capital (leverage) ratio | 8.2100% | 5,928 |
| Tier 1 risk-based capital ratio | 10.1556% | 6,938 |
| Total risk-based capital ratio | 11.4063% | 6,906 |
| Memoranda: | ||
| Average total assets | $321,522,670 | 2,064 |
| Average earning assets | $289,964,330 | 2,089 |
| Average equity | $24,988,670 | 2,590 |
| Average total loans | $231,731,330 | 1,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 2,355 |
| Cost of funding earning assets | 1.4021% | 4,158 |
| Net interest margin | 4.1502% | 2,235 |
| Noninterest income to average assets | 0.4610% | 4,375 |
| Noninterest expense to average assets | 2.6202% | 5,265 |
| Loan and lease loss provision to assets | 0.3708% | 3,143 |
| Net operating income to assets | 0.9646% | 2,314 |
| Return on assets (ROA) | 0.9529% | 2,417 |
| Pretax return on assets | 1.2088% | 2,335 |
| Return on Equity (ROE) | 12.6099% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.6099% | 671 |
| Net charge-offs to loans | 0.1028% | 4,389 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,125 |
| Efficiency ratio | 62.1701% | 5,800 |
| Assets per employee ($millions) | 4.2742% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,315 |
| Loan loss allowance to noncurrent loans | 64.2500% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 3.2237% | 2,226 |
| Noncurrent loans to loans | 2.5401% | 3,132 |
| Net loans and leases to total assets | 69.2277% | 3,101 |
| Net loans and leases to deposits | 78.4371% | 3,957 |
| Net loans and leases to core deposits | 88.4790% | 3,576 |
| Total domestic deposits to total assets | 88.2589% | 1,921 |
| Equity capital to assets | 7.6788% | 6,945 |
| Core capital (leverage) ratio | 8.0889% | 6,102 |
| Tier 1 risk-based capital ratio | 10.0076% | 7,030 |
| Total risk-based capital ratio | 11.2590% | 7,018 |
| Memoranda: | ||
| Average total assets | $323,637,000 | 2,097 |
| Average earning assets | $292,709,500 | 2,127 |
| Average equity | $24,457,000 | 2,673 |
| Average total loans | $233,408,000 | 1,972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 2,486 |
| Cost of funding earning assets | 1.9778% | 3,071 |
| Net interest margin | 3.8625% | 3,426 |
| Noninterest income to average assets | 0.5700% | 3,863 |
| Noninterest expense to average assets | 2.6822% | 5,471 |
| Loan and lease loss provision to assets | 0.5438% | 3,650 |
| Net operating income to assets | 0.8094% | 2,498 |
| Return on assets (ROA) | 0.8128% | 2,566 |
| Pretax return on assets | 0.9193% | 2,861 |
| Return on Equity (ROE) | 11.4965% | 1,292 |
| Retained earnings to average equity (ytd only) | 9.6867% | 402 |
| Net charge-offs to loans | 0.2383% | 5,133 |
| Credit loss provision to net charge-offs | 314.2329% | 1,042 |
| Earnings coverage of net charge-offs (x) | 8.4325% | 1,946 |
| Efficiency ratio | 64.7640% | 5,632 |
| Assets per employee ($millions) | 4.5413% | 2,854 |
| Cash dividends to net income (ytd only)* | 15.7418% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 3,908 |
| Loan loss allowance to noncurrent loans | 39.0162% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 2.9774% | 2,358 |
| Noncurrent loans to loans | 3.7552% | 1,996 |
| Net loans and leases to total assets | 72.7950% | 2,555 |
| Net loans and leases to deposits | 83.6216% | 3,344 |
| Net loans and leases to core deposits | 118.3743% | 2,088 |
| Total domestic deposits to total assets | 87.0528% | 2,471 |
| Equity capital to assets | 7.4341% | 7,093 |
| Core capital (leverage) ratio | 7.8387% | 6,406 |
| Tier 1 risk-based capital ratio | 9.5915% | 7,169 |
| Total risk-based capital ratio | 10.8428% | 7,149 |
| Memoranda: | ||
| Average total assets | $312,616,400 | 2,149 |
| Average earning assets | $289,061,200 | 2,132 |
| Average equity | $22,102,400 | 2,936 |
| Average total loans | $226,997,800 | 2,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8603% | 2,627 |
| Cost of funding earning assets | 2.0661% | 3,046 |
| Net interest margin | 3.7942% | 3,682 |
| Noninterest income to average assets | 0.5167% | 4,347 |
| Noninterest expense to average assets | 2.6394% | 5,563 |
| Loan and lease loss provision to assets | 0.4729% | 3,544 |
| Net operating income to assets | 0.8157% | 2,742 |
| Return on assets (ROA) | 0.8172% | 2,802 |
| Pretax return on assets | 0.9324% | 3,124 |
| Return on Equity (ROE) | 11.7150% | 1,436 |
| Retained earnings to average equity (ytd only) | 9.2500% | 785 |
| Net charge-offs to loans | 0.0589% | 6,118 |
| Credit loss provision to net charge-offs | 1,111.1111% | 338 |
| Earnings coverage of net charge-offs (x) | 32.9789% | 871 |
| Efficiency ratio | 65.2844% | 5,504 |
| Assets per employee ($millions) | 4.6664% | 2,608 |
| Cash dividends to net income (ytd only)* | 21.0416% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,805 |
| Loan loss allowance to noncurrent loans | 57.3567% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.1449% | 3,166 |
| Noncurrent loans to loans | 2.4863% | 3,031 |
| Net loans and leases to total assets | 72.6056% | 2,882 |
| Net loans and leases to deposits | 82.2162% | 3,982 |
| Net loans and leases to core deposits | 116.8498% | 2,539 |
| Total domestic deposits to total assets | 88.3106% | 1,510 |
| Equity capital to assets | 7.4668% | 7,322 |
| Core capital (leverage) ratio | 7.7307% | 6,689 |
| Tier 1 risk-based capital ratio | 9.4921% | 7,382 |
| Total risk-based capital ratio | 10.7427% | 7,342 |
| Memoranda: | ||
| Average total assets | $310,162,250 | 2,172 |
| Average earning assets | $288,259,500 | 2,152 |
| Average equity | $21,635,500 | 3,018 |
| Average total loans | $224,196,000 | 2,098 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9498% | 2,392 |
| Cost of funding earning assets | 2.1284% | 3,144 |
| Net interest margin | 3.8214% | 3,452 |
| Noninterest income to average assets | 0.4698% | 4,713 |
| Noninterest expense to average assets | 2.7078% | 5,358 |
| Loan and lease loss provision to assets | 0.3249% | 3,991 |
| Net operating income to assets | 0.8433% | 2,681 |
| Return on assets (ROA) | 0.8532% | 2,742 |
| Pretax return on assets | 1.0014% | 3,006 |
| Return on Equity (ROE) | 12.5348% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.7161% | 1,003 |
| Net charge-offs to loans | 0.0036% | 6,569 |
| Credit loss provision to net charge-offs | 12,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 505.7500% | 60 |
| Efficiency ratio | 67.3183% | 5,290 |
| Assets per employee ($millions) | 4.5826% | 2,643 |
| Cash dividends to net income (ytd only)* | 30.4646% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 4,579 |
| Loan loss allowance to noncurrent loans | 67.4457% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 3,800 |
| Noncurrent loans to loans | 1.8590% | 3,720 |
| Net loans and leases to total assets | 72.5416% | 3,079 |
| Net loans and leases to deposits | 82.2274% | 4,188 |
| Net loans and leases to core deposits | 115.5769% | 2,750 |
| Total domestic deposits to total assets | 88.2208% | 1,659 |
| Equity capital to assets | 7.0419% | 7,591 |
| Core capital (leverage) ratio | 7.5778% | 6,926 |
| Tier 1 risk-based capital ratio | 9.6287% | 7,293 |
| Total risk-based capital ratio | 10.7791% | 7,322 |
| Memoranda: | ||
| Average total assets | $307,778,670 | 2,212 |
| Average earning assets | $286,128,000 | 2,189 |
| Average equity | $20,949,670 | 3,108 |
| Average total loans | $221,021,330 | 2,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9383% | 2,611 |
| Cost of funding earning assets | 2.1791% | 3,269 |
| Net interest margin | 3.7592% | 3,620 |
| Noninterest income to average assets | 0.4686% | 4,603 |
| Noninterest expense to average assets | 2.5377% | 5,699 |
| Loan and lease loss provision to assets | 0.2596% | 3,888 |
| Net operating income to assets | 0.8974% | 2,713 |
| Return on assets (ROA) | 1.0164% | 2,381 |
| Pretax return on assets | 1.3123% | 2,239 |
| Return on Equity (ROE) | 15.1936% | 941 |
| Retained earnings to average equity (ytd only) | 7.4318% | 2,048 |
| Net charge-offs to loans | -0.0091% | 7,263 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1615% | 5,661 |
| Assets per employee ($millions) | 4.6944% | 2,446 |
| Cash dividends to net income (ytd only)* | 51.0856% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,161 |
| Loan loss allowance to noncurrent loans | 220.0347% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 6,316 |
| Noncurrent loans to loans | 0.5203% | 6,126 |
| Net loans and leases to total assets | 69.6566% | 3,763 |
| Net loans and leases to deposits | 79.1318% | 4,753 |
| Net loans and leases to core deposits | 112.7862% | 3,135 |
| Total domestic deposits to total assets | 88.0260% | 1,738 |
| Equity capital to assets | 6.7051% | 7,808 |
| Core capital (leverage) ratio | 7.5801% | 7,050 |
| Tier 1 risk-based capital ratio | 9.5193% | 7,410 |
| Total risk-based capital ratio | 10.5630% | 7,554 |
| Memoranda: | ||
| Average total assets | $308,152,000 | 2,224 |
| Average earning assets | $285,807,000 | 2,208 |
| Average equity | $20,614,000 | 3,162 |
| Average total loans | $218,755,000 | 2,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3799% | 3,527 |
| Cost of funding earning assets | 2.8242% | 2,609 |
| Net interest margin | 3.5557% | 5,072 |
| Noninterest income to average assets | 0.6413% | 3,540 |
| Noninterest expense to average assets | 2.5734% | 5,741 |
| Loan and lease loss provision to assets | 0.1050% | 6,035 |
| Net operating income to assets | 1.0243% | 2,458 |
| Return on assets (ROA) | 1.0220% | 2,351 |
| Pretax return on assets | 1.2662% | 2,420 |
| Return on Equity (ROE) | 14.4540% | 1,020 |
| Retained earnings to average equity (ytd only) | 12.4746% | 195 |
| Net charge-offs to loans | -0.0005% | 7,713 |
| Credit loss provision to net charge-offs | -30,000.0000% | 7,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1923% | 5,279 |
| Assets per employee ($millions) | 4.3112% | 2,935 |
| Cash dividends to net income (ytd only)* | 13.6939% | 4,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,413 |
| Loan loss allowance to noncurrent loans | 296.3151% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 6,420 |
| Noncurrent loans to loans | 0.3645% | 6,273 |
| Net loans and leases to total assets | 70.7649% | 3,841 |
| Net loans and leases to deposits | 81.3153% | 4,824 |
| Net loans and leases to core deposits | 113.9416% | 3,349 |
| Total domestic deposits to total assets | 87.0254% | 1,924 |
| Equity capital to assets | 6.6734% | 7,881 |
| Core capital (leverage) ratio | 7.7445% | 6,869 |
| Tier 1 risk-based capital ratio | 9.4732% | 7,341 |
| Total risk-based capital ratio | 10.4440% | 7,576 |
| Memoranda: | ||
| Average total assets | $285,810,200 | 2,280 |
| Average earning assets | $265,742,000 | 2,250 |
| Average equity | $20,209,000 | 3,194 |
| Average total loans | $205,129,600 | 2,249 |