Home > Bank of Botetourt > Performance and Condition Ratios
Bank of Botetourt, 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 | 4.9068% | 2,258 |
| Cost of funding earning assets | 1.3396% | 2,394 |
| Net interest margin | 3.5672% | 2,028 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5461% | 2,166 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.1014% | 1,920 |
| Return on assets (ROA) | 1.1014% | 1,886 |
| Pretax return on assets | 1.3692% | 1,701 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.8256% | 1,297 |
| Net charge-offs to loans | 0.0513% | 1,353 |
| Credit loss provision to net charge-offs | 313.2616% | 923 |
| Earnings coverage of net charge-offs (x) | 40.1326% | 1,447 |
| Efficiency ratio | 62.7883% | 2,756 |
| Assets per employee ($millions) | 6.1319% | 2,707 |
| Cash dividends to net income (ytd only)* | 24.1772% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 1,987 |
| Loan loss allowance to noncurrent loans | 1,278.3051% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,054 |
| Noncurrent loans to loans | 0.0982% | 3,045 |
| Net loans and leases to total assets | 75.0000% | 1,244 |
| Net loans and leases to deposits | 85.7822% | 1,631 |
| Net loans and leases to core deposits | 94.6887% | 1,730 |
| Total domestic deposits to total assets | 87.4300% | 1,547 |
| Equity capital to assets | 9.4534% | 2,382 |
| Core capital (leverage) ratio | 10.3603% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $742,025,800 | 1,256 |
| Average earning assets | $700,558,600 | 1,231 |
| Average equity | $70,216,200 | 1,244 |
| Average total loans | $543,620,600 | 1,159 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 2,250 |
| Cost of funding earning assets | 1.1771% | 2,500 |
| Net interest margin | 3.6280% | 1,930 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.5695% | 2,032 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1643% | 1,891 |
| Return on assets (ROA) | 1.1643% | 1,872 |
| Pretax return on assets | 1.4526% | 1,668 |
| Return on Equity (ROE) | 12.3000% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.4425% | 1,563 |
| Net charge-offs to loans | 0.0295% | 1,484 |
| Credit loss provision to net charge-offs | 485.4701% | 647 |
| Earnings coverage of net charge-offs (x) | 73.5214% | 1,093 |
| Efficiency ratio | 62.0489% | 2,710 |
| Assets per employee ($millions) | 5.6206% | 3,086 |
| Cash dividends to net income (ytd only)* | 23.2387% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,863 |
| Loan loss allowance to noncurrent loans | 518.7938% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,315 |
| Noncurrent loans to loans | 0.2508% | 2,338 |
| Net loans and leases to total assets | 75.6400% | 1,159 |
| Net loans and leases to deposits | 86.1249% | 1,557 |
| Net loans and leases to core deposits | 95.1794% | 1,605 |
| Total domestic deposits to total assets | 87.8200% | 1,635 |
| Equity capital to assets | 9.5819% | 2,051 |
| Core capital (leverage) ratio | 10.5115% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $729,778,500 | 1,266 |
| Average earning assets | $688,654,500 | 1,249 |
| Average equity | $69,075,750 | 1,253 |
| Average total loans | $529,326,250 | 1,177 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 2,237 |
| Cost of funding earning assets | 0.9904% | 2,634 |
| Net interest margin | 3.6970% | 1,817 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.5709% | 2,000 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1814% | 1,878 |
| Return on assets (ROA) | 1.1814% | 1,872 |
| Pretax return on assets | 1.4837% | 1,631 |
| Return on Equity (ROE) | 12.5300% | 2,002 |
| Retained earnings to average equity (ytd only) | 9.6485% | 1,497 |
| Net charge-offs to loans | 0.0403% | 1,115 |
| Credit loss provision to net charge-offs | 649.0385% | 551 |
| Earnings coverage of net charge-offs (x) | 58.1923% | 1,209 |
| Efficiency ratio | 60.6528% | 2,874 |
| Assets per employee ($millions) | 5.6578% | 3,013 |
| Cash dividends to net income (ytd only)* | 23.0231% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,604 |
| Loan loss allowance to noncurrent loans | 401.1740% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 1,943 |
| Noncurrent loans to loans | 0.3441% | 1,900 |
| Net loans and leases to total assets | 71.9100% | 1,542 |
| Net loans and leases to deposits | 81.5732% | 1,863 |
| Net loans and leases to core deposits | 90.3573% | 1,775 |
| Total domestic deposits to total assets | 88.1500% | 1,551 |
| Equity capital to assets | 9.3947% | 2,234 |
| Core capital (leverage) ratio | 10.7490% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $725,732,667 | 1,262 |
| Average earning assets | $685,207,000 | 1,248 |
| Average equity | $68,404,333 | 1,259 |
| Average total loans | $516,246,333 | 1,186 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,969 |
| Cost of funding earning assets | 0.8508% | 2,534 |
| Net interest margin | 3.7992% | 1,690 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.5717% | 2,043 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2830% | 1,715 |
| Return on assets (ROA) | 1.2830% | 1,690 |
| Pretax return on assets | 1.6097% | 1,436 |
| Return on Equity (ROE) | 13.5900% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.6686% | 1,543 |
| Net charge-offs to loans | 0.0287% | 1,125 |
| Credit loss provision to net charge-offs | 897.2222% | 386 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 853 |
| Efficiency ratio | 59.3443% | 3,040 |
| Assets per employee ($millions) | 5.6287% | 3,094 |
| Cash dividends to net income (ytd only)* | 21.4908% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,603 |
| Loan loss allowance to noncurrent loans | 382.1447% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 1,817 |
| Noncurrent loans to loans | 0.3675% | 1,831 |
| Net loans and leases to total assets | 71.0500% | 1,517 |
| Net loans and leases to deposits | 79.3158% | 1,867 |
| Net loans and leases to core deposits | 85.9130% | 1,870 |
| Total domestic deposits to total assets | 89.5800% | 1,306 |
| Equity capital to assets | 9.6044% | 2,060 |
| Core capital (leverage) ratio | 10.6059% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $715,181,000 | 1,294 |
| Average earning assets | $675,091,500 | 1,276 |
| Average equity | $67,525,000 | 1,280 |
| Average total loans | $502,087,000 | 1,223 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 2,027 |
| Cost of funding earning assets | 0.3484% | 2,488 |
| Net interest margin | 3.5348% | 1,824 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.4726% | 2,203 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.1137% | 2,110 |
| Return on assets (ROA) | 1.1137% | 2,048 |
| Pretax return on assets | 1.3798% | 1,824 |
| Return on Equity (ROE) | 12.9900% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.6108% | 981 |
| Net charge-offs to loans | 0.1111% | 676 |
| Credit loss provision to net charge-offs | 303.2129% | 910 |
| Earnings coverage of net charge-offs (x) | 22.4498% | 1,837 |
| Efficiency ratio | 60.7843% | 2,943 |
| Assets per employee ($millions) | 5.7241% | 3,009 |
| Cash dividends to net income (ytd only)* | 18.2960% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,616 |
| Loan loss allowance to noncurrent loans | 421.5637% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 2,049 |
| Noncurrent loans to loans | 0.3243% | 1,988 |
| Net loans and leases to total assets | 67.4100% | 1,893 |
| Net loans and leases to deposits | 74.6980% | 2,199 |
| Net loans and leases to core deposits | 80.0813% | 2,131 |
| Total domestic deposits to total assets | 90.2500% | 1,260 |
| Equity capital to assets | 9.2791% | 2,172 |
| Core capital (leverage) ratio | 10.3200% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $700,840,600 | 1,309 |
| Average earning assets | $663,568,000 | 1,287 |
| Average equity | $60,099,200 | 1,400 |
| Average total loans | $448,388,400 | 1,276 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 2,095 |
| Cost of funding earning assets | 0.2807% | 2,378 |
| Net interest margin | 3.4011% | 1,977 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.4146% | 2,279 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0736% | 2,192 |
| Return on assets (ROA) | 1.0736% | 2,153 |
| Pretax return on assets | 1.3400% | 1,920 |
| Return on Equity (ROE) | 12.7900% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.3519% | 1,242 |
| Net charge-offs to loans | 0.1074% | 581 |
| Credit loss provision to net charge-offs | 262.0397% | 877 |
| Earnings coverage of net charge-offs (x) | 22.4703% | 1,665 |
| Efficiency ratio | 61.4165% | 2,914 |
| Assets per employee ($millions) | 5.7476% | 2,992 |
| Cash dividends to net income (ytd only)* | 19.0595% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,755 |
| Loan loss allowance to noncurrent loans | 348.9385% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 1,952 |
| Noncurrent loans to loans | 0.3904% | 1,837 |
| Net loans and leases to total assets | 63.9800% | 2,089 |
| Net loans and leases to deposits | 70.0634% | 2,355 |
| Net loans and leases to core deposits | 75.1676% | 2,263 |
| Total domestic deposits to total assets | 91.3100% | 1,119 |
| Equity capital to assets | 8.1959% | 2,764 |
| Core capital (leverage) ratio | 9.1338% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $697,172,250 | 1,319 |
| Average earning assets | $660,204,000 | 1,299 |
| Average equity | $58,525,750 | 1,446 |
| Average total loans | $438,229,000 | 1,288 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,245 |
| Cost of funding earning assets | 0.2699% | 2,029 |
| Net interest margin | 3.1922% | 2,212 |
| Noninterest income to average assets | 0.7070% | 1,307 |
| Noninterest expense to average assets | 2.4081% | 2,203 |
| Loan and lease loss provision to assets | 0.1239% | 793 |
| Net operating income to assets | 0.9529% | 2,350 |
| Return on assets (ROA) | 0.9529% | 2,324 |
| Pretax return on assets | 1.1984% | 2,082 |
| Return on Equity (ROE) | 11.2601% | 1,903 |
| Retained earnings to average equity (ytd only) | 8.8350% | 1,341 |
| Net charge-offs to loans | 0.1075% | 559 |
| Credit loss provision to net charge-offs | 185.3448% | 1,005 |
| Earnings coverage of net charge-offs (x) | 19.7759% | 1,557 |
| Efficiency ratio | 64.5523% | 2,702 |
| Assets per employee ($millions) | 5.8328% | 2,890 |
| Cash dividends to net income (ytd only)* | 21.5366% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,027 |
| Loan loss allowance to noncurrent loans | 282.7155% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,848 |
| Noncurrent loans to loans | 0.4721% | 1,700 |
| Net loans and leases to total assets | 60.5007% | 2,274 |
| Net loans and leases to deposits | 66.0673% | 2,540 |
| Net loans and leases to core deposits | 70.9487% | 2,419 |
| Total domestic deposits to total assets | 91.5744% | 1,010 |
| Equity capital to assets | 8.0221% | 3,109 |
| Core capital (leverage) ratio | 8.8421% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $693,912,333 | 1,327 |
| Average earning assets | $657,230,667 | 1,315 |
| Average equity | $58,720,667 | 1,459 |
| Average total loans | $431,460,000 | 1,299 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 2,007 |
| Cost of funding earning assets | 0.2811% | 1,807 |
| Net interest margin | 3.1481% | 2,030 |
| Noninterest income to average assets | 0.6867% | 1,360 |
| Noninterest expense to average assets | 2.4088% | 2,129 |
| Loan and lease loss provision to assets | 0.1202% | 693 |
| Net operating income to assets | 0.9048% | 2,258 |
| Return on assets (ROA) | 0.9048% | 2,257 |
| Pretax return on assets | 1.1393% | 2,018 |
| Return on Equity (ROE) | 10.4073% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.0061% | 1,582 |
| Net charge-offs to loans | 0.2125% | 290 |
| Credit loss provision to net charge-offs | 90.3084% | 1,081 |
| Earnings coverage of net charge-offs (x) | 9.4626% | 1,484 |
| Efficiency ratio | 65.6650% | 2,806 |
| Assets per employee ($millions) | 5.6954% | 3,125 |
| Cash dividends to net income (ytd only)* | 23.0719% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 2,181 |
| Loan loss allowance to noncurrent loans | 334.4379% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,170 |
| Noncurrent loans to loans | 0.4000% | 2,060 |
| Net loans and leases to total assets | 59.4998% | 2,114 |
| Net loans and leases to deposits | 65.6407% | 2,364 |
| Net loans and leases to core deposits | 71.1372% | 2,189 |
| Total domestic deposits to total assets | 90.6448% | 1,217 |
| Equity capital to assets | 8.4895% | 3,167 |
| Core capital (leverage) ratio | 9.1293% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $682,152,000 | 1,352 |
| Average earning assets | $646,096,500 | 1,335 |
| Average equity | $59,304,500 | 1,501 |
| Average total loans | $427,228,000 | 1,302 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 2,096 |
| Cost of funding earning assets | 0.4330% | 1,305 |
| Net interest margin | 3.2733% | 2,394 |
| Noninterest income to average assets | 0.6976% | 1,774 |
| Noninterest expense to average assets | 2.4170% | 2,436 |
| Loan and lease loss provision to assets | 0.0663% | 1,742 |
| Net operating income to assets | 1.0682% | 2,424 |
| Return on assets (ROA) | 1.0738% | 2,469 |
| Pretax return on assets | 1.3190% | 2,301 |
| Return on Equity (ROE) | 12.1161% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.9021% | 943 |
| Net charge-offs to loans | -0.0022% | 3,380 |
| Credit loss provision to net charge-offs | -4,250.0000% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6809% | 2,614 |
| Assets per employee ($millions) | 5.4407% | 3,319 |
| Cash dividends to net income (ytd only)* | 18.2730% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,304 |
| Loan loss allowance to noncurrent loans | 238.0034% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,774 |
| Noncurrent loans to loans | 0.5519% | 1,743 |
| Net loans and leases to total assets | 64.2261% | 1,674 |
| Net loans and leases to deposits | 71.2110% | 1,993 |
| Net loans and leases to core deposits | 77.5200% | 1,801 |
| Total domestic deposits to total assets | 90.1913% | 871 |
| Equity capital to assets | 8.9093% | 3,715 |
| Core capital (leverage) ratio | 9.1400% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $640,618,600 | 1,381 |
| Average earning assets | $606,292,600 | 1,361 |
| Average equity | $56,775,800 | 1,587 |
| Average total loans | $450,112,600 | 1,264 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 2,076 |
| Cost of funding earning assets | 0.4735% | 1,193 |
| Net interest margin | 3.3017% | 2,410 |
| Noninterest income to average assets | 0.6389% | 2,057 |
| Noninterest expense to average assets | 2.3206% | 2,689 |
| Loan and lease loss provision to assets | 0.0410% | 2,179 |
| Net operating income to assets | 1.1221% | 2,472 |
| Return on assets (ROA) | 1.1295% | 2,499 |
| Pretax return on assets | 1.4101% | 2,295 |
| Return on Equity (ROE) | 12.7622% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.5386% | 1,164 |
| Net charge-offs to loans | 0.0026% | 2,266 |
| Credit loss provision to net charge-offs | 2,166.6667% | 309 |
| Earnings coverage of net charge-offs (x) | 762.7778% | 210 |
| Efficiency ratio | 61.6780% | 2,743 |
| Assets per employee ($millions) | 5.2831% | 3,421 |
| Cash dividends to net income (ytd only)* | 17.4228% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,818 |
| Loan loss allowance to noncurrent loans | 214.1729% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 1,842 |
| Noncurrent loans to loans | 0.5772% | 1,867 |
| Net loans and leases to total assets | 66.1550% | 1,526 |
| Net loans and leases to deposits | 73.4007% | 1,914 |
| Net loans and leases to core deposits | 80.3321% | 1,700 |
| Total domestic deposits to total assets | 90.1287% | 717 |
| Equity capital to assets | 8.9387% | 3,888 |
| Core capital (leverage) ratio | 9.0860% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $634,831,750 | 1,405 |
| Average earning assets | $600,571,000 | 1,389 |
| Average equity | $56,185,500 | 1,618 |
| Average total loans | $454,644,500 | 1,273 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 2,074 |
| Cost of funding earning assets | 0.5180% | 1,105 |
| Net interest margin | 3.2804% | 2,513 |
| Noninterest income to average assets | 0.6082% | 2,180 |
| Noninterest expense to average assets | 2.2924% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1237% | 2,455 |
| Return on assets (ROA) | 1.1343% | 2,483 |
| Pretax return on assets | 1.4288% | 2,246 |
| Return on Equity (ROE) | 12.8604% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.6111% | 1,215 |
| Net charge-offs to loans | 0.0083% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 233.9474% | 454 |
| Efficiency ratio | 61.8258% | 2,752 |
| Assets per employee ($millions) | 5.2897% | 3,358 |
| Cash dividends to net income (ytd only)* | 17.4902% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,244 |
| Loan loss allowance to noncurrent loans | 229.4505% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,026 |
| Noncurrent loans to loans | 0.4972% | 2,186 |
| Net loans and leases to total assets | 70.0997% | 1,185 |
| Net loans and leases to deposits | 77.8234% | 1,649 |
| Net loans and leases to core deposits | 85.8104% | 1,434 |
| Total domestic deposits to total assets | 90.0753% | 735 |
| Equity capital to assets | 8.8127% | 3,961 |
| Core capital (leverage) ratio | 9.0075% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $628,073,000 | 1,412 |
| Average earning assets | $593,458,000 | 1,394 |
| Average equity | $55,394,667 | 1,632 |
| Average total loans | $459,922,000 | 1,265 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 1,943 |
| Cost of funding earning assets | 0.5788% | 968 |
| Net interest margin | 3.2773% | 2,456 |
| Noninterest income to average assets | 0.7084% | 1,850 |
| Noninterest expense to average assets | 2.2001% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2709% | 1,919 |
| Return on assets (ROA) | 1.2786% | 1,967 |
| Pretax return on assets | 1.6111% | 1,692 |
| Return on Equity (ROE) | 14.4906% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.2146% | 1,097 |
| Net charge-offs to loans | -0.0200% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8733% | 3,319 |
| Assets per employee ($millions) | 5.3424% | 3,289 |
| Cash dividends to net income (ytd only)* | 15.7071% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,249 |
| Loan loss allowance to noncurrent loans | 322.6242% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 1,962 |
| Noncurrent loans to loans | 0.3534% | 2,816 |
| Net loans and leases to total assets | 71.1759% | 1,131 |
| Net loans and leases to deposits | 78.9801% | 1,617 |
| Net loans and leases to core deposits | 87.1453% | 1,441 |
| Total domestic deposits to total assets | 90.1188% | 763 |
| Equity capital to assets | 8.6566% | 3,994 |
| Core capital (leverage) ratio | 9.1992% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $619,439,000 | 1,413 |
| Average earning assets | $584,628,500 | 1,397 |
| Average equity | $54,656,000 | 1,642 |
| Average total loans | $461,082,000 | 1,262 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 1,823 |
| Cost of funding earning assets | 0.8982% | 863 |
| Net interest margin | 3.4183% | 2,716 |
| Noninterest income to average assets | 0.6868% | 1,907 |
| Noninterest expense to average assets | 2.5007% | 2,849 |
| Loan and lease loss provision to assets | 0.3577% | 954 |
| Net operating income to assets | 0.8424% | 2,931 |
| Return on assets (ROA) | 0.8366% | 3,082 |
| Pretax return on assets | 1.0282% | 2,948 |
| Return on Equity (ROE) | 8.8928% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.5751% | 1,560 |
| Net charge-offs to loans | 0.1580% | 1,037 |
| Credit loss provision to net charge-offs | 276.5363% | 1,816 |
| Earnings coverage of net charge-offs (x) | 10.7709% | 2,439 |
| Efficiency ratio | 64.2218% | 2,782 |
| Assets per employee ($millions) | 4.9878% | 3,406 |
| Cash dividends to net income (ytd only)* | 26.0635% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,280 |
| Loan loss allowance to noncurrent loans | 275.1576% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 1,625 |
| Noncurrent loans to loans | 0.4127% | 2,740 |
| Net loans and leases to total assets | 76.2040% | 765 |
| Net loans and leases to deposits | 84.9674% | 1,361 |
| Net loans and leases to core deposits | 94.3862% | 1,219 |
| Total domestic deposits to total assets | 89.6862% | 683 |
| Equity capital to assets | 8.9913% | 4,062 |
| Core capital (leverage) ratio | 9.2562% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,567,000 | 1,426 |
| Average earning assets | $519,347,000 | 1,412 |
| Average equity | $52,075,600 | 1,629 |
| Average total loans | $453,184,600 | 1,220 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 1,886 |
| Cost of funding earning assets | 0.9598% | 879 |
| Net interest margin | 3.4270% | 2,826 |
| Noninterest income to average assets | 0.7051% | 1,786 |
| Noninterest expense to average assets | 2.5032% | 2,830 |
| Loan and lease loss provision to assets | 0.3959% | 899 |
| Net operating income to assets | 0.8227% | 3,006 |
| Return on assets (ROA) | 0.8125% | 3,165 |
| Pretax return on assets | 1.0045% | 3,055 |
| Return on Equity (ROE) | 8.5331% | 2,589 |
| Retained earnings to average equity (ytd only) | 6.1991% | 2,019 |
| Net charge-offs to loans | 0.1699% | 867 |
| Credit loss provision to net charge-offs | 280.0000% | 1,828 |
| Earnings coverage of net charge-offs (x) | 9.9948% | 2,386 |
| Efficiency ratio | 63.9212% | 2,750 |
| Assets per employee ($millions) | 4.9722% | 3,282 |
| Cash dividends to net income (ytd only)* | 27.3525% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,374 |
| Loan loss allowance to noncurrent loans | 219.3520% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 1,475 |
| Noncurrent loans to loans | 0.4866% | 2,605 |
| Net loans and leases to total assets | 79.1459% | 691 |
| Net loans and leases to deposits | 88.4058% | 1,442 |
| Net loans and leases to core deposits | 98.4832% | 1,275 |
| Total domestic deposits to total assets | 89.5257% | 577 |
| Equity capital to assets | 9.0356% | 4,094 |
| Core capital (leverage) ratio | 9.2483% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,324,500 | 1,431 |
| Average earning assets | $508,148,750 | 1,420 |
| Average equity | $51,640,500 | 1,633 |
| Average total loans | $451,143,750 | 1,219 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,982 |
| Cost of funding earning assets | 1.0095% | 962 |
| Net interest margin | 3.4695% | 2,884 |
| Noninterest income to average assets | 0.7234% | 1,658 |
| Noninterest expense to average assets | 2.4488% | 3,111 |
| Loan and lease loss provision to assets | 0.4512% | 851 |
| Net operating income to assets | 0.8521% | 2,862 |
| Return on assets (ROA) | 0.8379% | 3,027 |
| Pretax return on assets | 1.0502% | 2,872 |
| Return on Equity (ROE) | 8.6357% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.2795% | 1,949 |
| Net charge-offs to loans | 0.0481% | 1,796 |
| Credit loss provision to net charge-offs | 1,112.1495% | 733 |
| Earnings coverage of net charge-offs (x) | 37.4486% | 1,294 |
| Efficiency ratio | 61.7141% | 3,168 |
| Assets per employee ($millions) | 4.9716% | 3,204 |
| Cash dividends to net income (ytd only)* | 27.2851% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,223 |
| Loan loss allowance to noncurrent loans | 185.7510% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 1,403 |
| Noncurrent loans to loans | 0.5771% | 2,420 |
| Net loans and leases to total assets | 80.9422% | 504 |
| Net loans and leases to deposits | 91.5062% | 1,212 |
| Net loans and leases to core deposits | 102.0471% | 1,115 |
| Total domestic deposits to total assets | 88.4554% | 963 |
| Equity capital to assets | 9.0435% | 4,055 |
| Core capital (leverage) ratio | 9.4421% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,524,667 | 1,443 |
| Average earning assets | $493,321,333 | 1,429 |
| Average equity | $51,182,667 | 1,636 |
| Average total loans | $445,065,667 | 1,217 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 1,654 |
| Cost of funding earning assets | 1.0859% | 1,091 |
| Net interest margin | 3.6345% | 2,555 |
| Noninterest income to average assets | 0.8136% | 1,270 |
| Noninterest expense to average assets | 2.8171% | 2,386 |
| Loan and lease loss provision to assets | 0.3539% | 875 |
| Net operating income to assets | 0.8256% | 2,809 |
| Return on assets (ROA) | 0.8256% | 2,894 |
| Pretax return on assets | 1.0339% | 2,724 |
| Return on Equity (ROE) | 8.1898% | 2,432 |
| Retained earnings to average equity (ytd only) | 5.8149% | 1,950 |
| Net charge-offs to loans | 0.0917% | 1,144 |
| Credit loss provision to net charge-offs | 449.4949% | 939 |
| Earnings coverage of net charge-offs (x) | 17.6263% | 1,486 |
| Efficiency ratio | 66.9945% | 2,818 |
| Assets per employee ($millions) | 4.3479% | 3,481 |
| Cash dividends to net income (ytd only)* | 28.9981% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,777 |
| Loan loss allowance to noncurrent loans | 148.0809% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 1,220 |
| Noncurrent loans to loans | 0.6663% | 2,325 |
| Net loans and leases to total assets | 84.5193% | 231 |
| Net loans and leases to deposits | 96.6054% | 848 |
| Net loans and leases to core deposits | 108.3493% | 932 |
| Total domestic deposits to total assets | 87.4892% | 1,341 |
| Equity capital to assets | 9.9649% | 3,819 |
| Core capital (leverage) ratio | 10.3524% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,935,000 | 1,457 |
| Average earning assets | $469,285,500 | 1,445 |
| Average equity | $50,697,000 | 1,645 |
| Average total loans | $431,671,000 | 1,220 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 1,699 |
| Cost of funding earning assets | 1.0670% | 1,443 |
| Net interest margin | 3.8526% | 2,324 |
| Noninterest income to average assets | 0.7673% | 1,555 |
| Noninterest expense to average assets | 2.8459% | 2,453 |
| Loan and lease loss provision to assets | 0.1777% | 1,175 |
| Net operating income to assets | 1.0662% | 2,597 |
| Return on assets (ROA) | 1.0662% | 2,689 |
| Pretax return on assets | 1.3165% | 2,453 |
| Return on Equity (ROE) | 10.3098% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.0362% | 967 |
| Net charge-offs to loans | 0.0611% | 2,228 |
| Credit loss provision to net charge-offs | 334.6774% | 829 |
| Earnings coverage of net charge-offs (x) | 28.1371% | 1,640 |
| Efficiency ratio | 65.5713% | 2,834 |
| Assets per employee ($millions) | 4.1764% | 3,661 |
| Cash dividends to net income (ytd only)* | 22.0526% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,817 |
| Loan loss allowance to noncurrent loans | 177.0601% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 1,293 |
| Noncurrent loans to loans | 0.5277% | 2,602 |
| Net loans and leases to total assets | 85.5119% | 202 |
| Net loans and leases to deposits | 97.0408% | 838 |
| Net loans and leases to core deposits | 109.0564% | 911 |
| Total domestic deposits to total assets | 88.1195% | 1,076 |
| Equity capital to assets | 10.2003% | 3,731 |
| Core capital (leverage) ratio | 10.3865% | 3,082 |
| Tier 1 risk-based capital ratio | 12.9135% | 3,833 |
| Total risk-based capital ratio | 13.9160% | 3,846 |
| Memoranda: | ||
| Average total assets | $466,988,000 | 1,505 |
| Average earning assets | $433,084,000 | 1,492 |
| Average equity | $48,293,800 | 1,652 |
| Average total loans | $405,664,800 | 1,252 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 1,766 |
| Cost of funding earning assets | 1.0425% | 1,572 |
| Net interest margin | 3.8762% | 2,342 |
| Noninterest income to average assets | 0.7623% | 1,551 |
| Noninterest expense to average assets | 2.8204% | 2,513 |
| Loan and lease loss provision to assets | 0.1795% | 1,018 |
| Net operating income to assets | 1.0831% | 2,639 |
| Return on assets (ROA) | 1.0831% | 2,732 |
| Pretax return on assets | 1.3523% | 2,485 |
| Return on Equity (ROE) | 10.4349% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.1393% | 1,334 |
| Net charge-offs to loans | 0.0808% | 1,675 |
| Credit loss provision to net charge-offs | 255.1440% | 1,074 |
| Earnings coverage of net charge-offs (x) | 21.7738% | 1,897 |
| Efficiency ratio | 64.8041% | 2,892 |
| Assets per employee ($millions) | 4.2508% | 3,550 |
| Cash dividends to net income (ytd only)* | 21.9995% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,012 |
| Loan loss allowance to noncurrent loans | 228.9010% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 1,434 |
| Noncurrent loans to loans | 0.3962% | 3,121 |
| Net loans and leases to total assets | 85.0140% | 252 |
| Net loans and leases to deposits | 96.4788% | 962 |
| Net loans and leases to core deposits | 107.2978% | 1,099 |
| Total domestic deposits to total assets | 88.1168% | 989 |
| Equity capital to assets | 10.2112% | 3,808 |
| Core capital (leverage) ratio | 10.7756% | 2,863 |
| Tier 1 risk-based capital ratio | 12.8603% | 3,926 |
| Total risk-based capital ratio | 13.8263% | 3,971 |
| Memoranda: | ||
| Average total assets | $460,530,750 | 1,530 |
| Average earning assets | $426,528,250 | 1,528 |
| Average equity | $47,800,000 | 1,667 |
| Average total loans | $400,733,000 | 1,276 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,654 |
| Cost of funding earning assets | 1.0344% | 1,556 |
| Net interest margin | 3.9009% | 2,243 |
| Noninterest income to average assets | 0.7253% | 1,622 |
| Noninterest expense to average assets | 2.8150% | 2,533 |
| Loan and lease loss provision to assets | 0.2630% | 572 |
| Net operating income to assets | 0.9980% | 2,929 |
| Return on assets (ROA) | 0.9980% | 2,995 |
| Pretax return on assets | 1.2592% | 2,712 |
| Return on Equity (ROE) | 9.5599% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.2355% | 1,709 |
| Net charge-offs to loans | 0.1208% | 1,230 |
| Credit loss provision to net charge-offs | 248.9540% | 1,029 |
| Earnings coverage of net charge-offs (x) | 14.4100% | 2,038 |
| Efficiency ratio | 64.9037% | 2,991 |
| Assets per employee ($millions) | 4.4194% | 3,257 |
| Cash dividends to net income (ytd only)* | 24.3136% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,014 |
| Loan loss allowance to noncurrent loans | 283.5855% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 1,494 |
| Noncurrent loans to loans | 0.3240% | 3,373 |
| Net loans and leases to total assets | 87.1102% | 148 |
| Net loans and leases to deposits | 97.9388% | 849 |
| Net loans and leases to core deposits | 108.7583% | 1,049 |
| Total domestic deposits to total assets | 88.9435% | 685 |
| Equity capital to assets | 10.3895% | 3,615 |
| Core capital (leverage) ratio | 10.6258% | 2,957 |
| Tier 1 risk-based capital ratio | 13.1192% | 3,774 |
| Total risk-based capital ratio | 14.1245% | 3,808 |
| Memoranda: | ||
| Average total assets | $452,510,000 | 1,558 |
| Average earning assets | $418,982,000 | 1,558 |
| Average equity | $47,239,000 | 1,675 |
| Average total loans | $395,730,000 | 1,287 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,651 |
| Cost of funding earning assets | 0.9923% | 1,595 |
| Net interest margin | 3.8888% | 2,226 |
| Noninterest income to average assets | 0.6026% | 2,031 |
| Noninterest expense to average assets | 2.7344% | 2,794 |
| Loan and lease loss provision to assets | 0.1746% | 961 |
| Net operating income to assets | 1.0332% | 2,730 |
| Return on assets (ROA) | 1.0332% | 2,770 |
| Pretax return on assets | 1.2902% | 2,497 |
| Return on Equity (ROE) | 9.8732% | 2,419 |
| Retained earnings to average equity (ytd only) | 7.5289% | 1,829 |
| Net charge-offs to loans | 0.0226% | 1,994 |
| Credit loss provision to net charge-offs | 886.3636% | 412 |
| Earnings coverage of net charge-offs (x) | 74.3636% | 809 |
| Efficiency ratio | 65.1173% | 3,071 |
| Assets per employee ($millions) | 4.4440% | 3,268 |
| Cash dividends to net income (ytd only)* | 23.7435% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,144 |
| Loan loss allowance to noncurrent loans | 107.4721% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 757 |
| Noncurrent loans to loans | 0.8400% | 1,956 |
| Net loans and leases to total assets | 85.5391% | 226 |
| Net loans and leases to deposits | 96.3622% | 929 |
| Net loans and leases to core deposits | 107.3251% | 1,083 |
| Total domestic deposits to total assets | 88.7683% | 970 |
| Equity capital to assets | 10.3207% | 3,507 |
| Core capital (leverage) ratio | 10.8075% | 2,761 |
| Tier 1 risk-based capital ratio | 13.1397% | 3,807 |
| Total risk-based capital ratio | 14.1152% | 3,844 |
| Memoranda: | ||
| Average total assets | $446,748,000 | 1,581 |
| Average earning assets | $413,182,500 | 1,581 |
| Average equity | $46,753,000 | 1,676 |
| Average total loans | $389,610,000 | 1,314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,599 |
| Cost of funding earning assets | 0.8264% | 1,415 |
| Net interest margin | 3.9524% | 2,152 |
| Noninterest income to average assets | 0.7416% | 1,685 |
| Noninterest expense to average assets | 3.0431% | 1,957 |
| Loan and lease loss provision to assets | 0.1127% | 1,957 |
| Net operating income to assets | 1.0313% | 2,883 |
| Return on assets (ROA) | 1.0313% | 2,870 |
| Pretax return on assets | 1.2438% | 2,723 |
| Return on Equity (ROE) | 11.2056% | 2,000 |
| Retained earnings to average equity (ytd only) | 8.9644% | 881 |
| Net charge-offs to loans | 0.0606% | 2,265 |
| Credit loss provision to net charge-offs | 214.6119% | 1,350 |
| Earnings coverage of net charge-offs (x) | 25.8265% | 1,755 |
| Efficiency ratio | 69.1670% | 2,355 |
| Assets per employee ($millions) | 4.2722% | 3,505 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,236 |
| Loan loss allowance to noncurrent loans | 109.6284% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6812% | 642 |
| Noncurrent loans to loans | 0.8058% | 1,991 |
| Net loans and leases to total assets | 87.3684% | 143 |
| Net loans and leases to deposits | 98.5497% | 847 |
| Net loans and leases to core deposits | 109.1266% | 1,046 |
| Total domestic deposits to total assets | 88.6542% | 1,001 |
| Equity capital to assets | 10.6170% | 3,063 |
| Core capital (leverage) ratio | 10.8982% | 2,627 |
| Tier 1 risk-based capital ratio | 13.2472% | 3,697 |
| Total risk-based capital ratio | 14.2025% | 3,759 |
| Memoranda: | ||
| Average total assets | $416,942,400 | 1,645 |
| Average earning assets | $385,892,000 | 1,644 |
| Average equity | $38,373,800 | 1,921 |
| Average total loans | $361,097,800 | 1,363 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 1,566 |
| Cost of funding earning assets | 0.7938% | 1,373 |
| Net interest margin | 3.9489% | 2,133 |
| Noninterest income to average assets | 0.7617% | 1,624 |
| Noninterest expense to average assets | 3.0260% | 1,937 |
| Loan and lease loss provision to assets | 0.0453% | 3,084 |
| Net operating income to assets | 1.1204% | 2,576 |
| Return on assets (ROA) | 1.1204% | 2,588 |
| Pretax return on assets | 1.3458% | 2,444 |
| Return on Equity (ROE) | 12.6880% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.3255% | 815 |
| Net charge-offs to loans | 0.0176% | 2,811 |
| Credit loss provision to net charge-offs | 297.8723% | 1,031 |
| Earnings coverage of net charge-offs (x) | 91.5034% | 809 |
| Efficiency ratio | 68.5070% | 2,444 |
| Assets per employee ($millions) | 4.0860% | 3,757 |
| Cash dividends to net income (ytd only)* | 18.6201% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,356 |
| Loan loss allowance to noncurrent loans | 96.4520% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.7986% | 647 |
| Noncurrent loans to loans | 0.9085% | 1,884 |
| Net loans and leases to total assets | 86.1193% | 254 |
| Net loans and leases to deposits | 95.3502% | 1,229 |
| Net loans and leases to core deposits | 103.4414% | 1,495 |
| Total domestic deposits to total assets | 90.3190% | 408 |
| Equity capital to assets | 8.9120% | 4,626 |
| Core capital (leverage) ratio | 9.1845% | 4,529 |
| Tier 1 risk-based capital ratio | 11.2820% | 4,909 |
| Total risk-based capital ratio | 12.2240% | 4,945 |
| Memoranda: | ||
| Average total assets | $412,236,750 | 1,666 |
| Average earning assets | $381,602,000 | 1,672 |
| Average equity | $36,401,000 | 2,012 |
| Average total loans | $355,343,750 | 1,382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 1,534 |
| Cost of funding earning assets | 0.7671% | 1,295 |
| Net interest margin | 3.9209% | 2,137 |
| Noninterest income to average assets | 0.6956% | 1,885 |
| Noninterest expense to average assets | 3.0000% | 2,041 |
| Loan and lease loss provision to assets | 0.0270% | 3,377 |
| Net operating income to assets | 1.0887% | 2,619 |
| Return on assets (ROA) | 1.0887% | 2,627 |
| Pretax return on assets | 1.2966% | 2,529 |
| Return on Equity (ROE) | 12.3695% | 1,595 |
| Retained earnings to average equity (ytd only) | 9.9747% | 936 |
| Net charge-offs to loans | -0.0074% | 4,213 |
| Credit loss provision to net charge-offs | -423.0769% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3878% | 2,411 |
| Assets per employee ($millions) | 4.0796% | 3,763 |
| Cash dividends to net income (ytd only)* | 19.3606% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,381 |
| Loan loss allowance to noncurrent loans | 88.4298% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 789 |
| Noncurrent loans to loans | 1.0067% | 1,738 |
| Net loans and leases to total assets | 84.2305% | 436 |
| Net loans and leases to deposits | 94.0744% | 1,350 |
| Net loans and leases to core deposits | 101.6442% | 1,589 |
| Total domestic deposits to total assets | 89.5361% | 729 |
| Equity capital to assets | 8.6771% | 4,820 |
| Core capital (leverage) ratio | 9.0895% | 4,598 |
| Tier 1 risk-based capital ratio | 11.2405% | 4,928 |
| Total risk-based capital ratio | 12.1981% | 4,970 |
| Memoranda: | ||
| Average total assets | $408,001,000 | 1,690 |
| Average earning assets | $377,511,330 | 1,696 |
| Average equity | $35,911,000 | 2,040 |
| Average total loans | $350,727,000 | 1,400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,427 |
| Cost of funding earning assets | 0.7363% | 1,258 |
| Net interest margin | 3.9164% | 1,976 |
| Noninterest income to average assets | 0.7963% | 1,468 |
| Noninterest expense to average assets | 3.1361% | 1,727 |
| Loan and lease loss provision to assets | 0.0550% | 2,664 |
| Net operating income to assets | 1.1124% | 2,366 |
| Return on assets (ROA) | 1.1124% | 2,388 |
| Pretax return on assets | 1.2234% | 2,666 |
| Return on Equity (ROE) | 12.5441% | 1,399 |
| Retained earnings to average equity (ytd only) | 10.1187% | 1,128 |
| Net charge-offs to loans | -0.0266% | 4,687 |
| Credit loss provision to net charge-offs | -239.1304% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0401% | 2,328 |
| Assets per employee ($millions) | 3.8423% | 4,226 |
| Cash dividends to net income (ytd only)* | 19.3345% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 4,361 |
| Loan loss allowance to noncurrent loans | 92.8221% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 819 |
| Noncurrent loans to loans | 0.9902% | 1,843 |
| Net loans and leases to total assets | 84.4313% | 396 |
| Net loans and leases to deposits | 93.3532% | 1,296 |
| Net loans and leases to core deposits | 100.7813% | 1,630 |
| Total domestic deposits to total assets | 90.4429% | 487 |
| Equity capital to assets | 8.7326% | 4,799 |
| Core capital (leverage) ratio | 9.1808% | 4,463 |
| Tier 1 risk-based capital ratio | 11.2731% | 4,994 |
| Total risk-based capital ratio | 12.2608% | 5,024 |
| Memoranda: | ||
| Average total assets | $399,863,500 | 1,743 |
| Average earning assets | $369,421,000 | 1,745 |
| Average equity | $35,459,000 | 2,073 |
| Average total loans | $345,800,500 | 1,421 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,270 |
| Cost of funding earning assets | 0.6630% | 1,233 |
| Net interest margin | 4.0029% | 1,745 |
| Noninterest income to average assets | 0.6602% | 2,136 |
| Noninterest expense to average assets | 3.2936% | 1,385 |
| Loan and lease loss provision to assets | 0.1216% | 1,880 |
| Net operating income to assets | 0.6153% | 3,950 |
| Return on assets (ROA) | 0.6153% | 3,991 |
| Pretax return on assets | 0.9176% | 3,853 |
| Return on Equity (ROE) | 6.6232% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.3002% | 2,579 |
| Net charge-offs to loans | 0.0671% | 2,501 |
| Credit loss provision to net charge-offs | 213.2701% | 1,282 |
| Earnings coverage of net charge-offs (x) | 18.2322% | 2,085 |
| Efficiency ratio | 76.0162% | 1,618 |
| Assets per employee ($millions) | 3.6318% | 4,529 |
| Cash dividends to net income (ytd only)* | 35.0746% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,368 |
| Loan loss allowance to noncurrent loans | 129.4602% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 857 |
| Noncurrent loans to loans | 0.7112% | 2,427 |
| Net loans and leases to total assets | 87.0095% | 189 |
| Net loans and leases to deposits | 98.8872% | 826 |
| Net loans and leases to core deposits | 105.6896% | 1,281 |
| Total domestic deposits to total assets | 87.9887% | 1,510 |
| Equity capital to assets | 9.0108% | 4,710 |
| Core capital (leverage) ratio | 9.3569% | 4,220 |
| Tier 1 risk-based capital ratio | 10.9320% | 5,187 |
| Total risk-based capital ratio | 11.8911% | 5,215 |
| Memoranda: | ||
| Average total assets | $370,198,400 | 1,832 |
| Average earning assets | $339,652,200 | 1,846 |
| Average equity | $34,394,000 | 2,113 |
| Average total loans | $314,343,200 | 1,508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,249 |
| Cost of funding earning assets | 0.6643% | 1,151 |
| Net interest margin | 3.9841% | 1,764 |
| Noninterest income to average assets | 0.5977% | 2,499 |
| Noninterest expense to average assets | 3.2738% | 1,401 |
| Loan and lease loss provision to assets | 0.1386% | 1,541 |
| Net operating income to assets | 0.5850% | 4,438 |
| Return on assets (ROA) | 0.5850% | 4,478 |
| Pretax return on assets | 0.8381% | 4,246 |
| Return on Equity (ROE) | 6.2462% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.9136% | 3,593 |
| Net charge-offs to loans | 0.0602% | 2,261 |
| Credit loss provision to net charge-offs | 273.3813% | 1,059 |
| Earnings coverage of net charge-offs (x) | 19.2661% | 2,009 |
| Efficiency ratio | 77.0227% | 1,458 |
| Assets per employee ($millions) | 3.5553% | 4,644 |
| Cash dividends to net income (ytd only)* | 37.3443% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,278 |
| Loan loss allowance to noncurrent loans | 128.3265% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 921 |
| Noncurrent loans to loans | 0.7484% | 2,490 |
| Net loans and leases to total assets | 86.0300% | 258 |
| Net loans and leases to deposits | 95.6189% | 1,140 |
| Net loans and leases to core deposits | 102.7405% | 1,487 |
| Total domestic deposits to total assets | 89.9717% | 486 |
| Equity capital to assets | 9.2500% | 4,687 |
| Core capital (leverage) ratio | 9.3881% | 4,307 |
| Tier 1 risk-based capital ratio | 11.2352% | 5,116 |
| Total risk-based capital ratio | 12.2357% | 5,144 |
| Memoranda: | ||
| Average total assets | $365,598,000 | 1,863 |
| Average earning assets | $335,191,750 | 1,877 |
| Average equity | $34,238,500 | 2,135 |
| Average total loans | $307,613,750 | 1,546 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,195 |
| Cost of funding earning assets | 0.6663% | 1,060 |
| Net interest margin | 3.9647% | 1,726 |
| Noninterest income to average assets | 0.4963% | 3,049 |
| Noninterest expense to average assets | 3.3169% | 1,341 |
| Loan and lease loss provision to assets | 0.0912% | 2,160 |
| Net operating income to assets | 0.5024% | 4,700 |
| Return on assets (ROA) | 0.5024% | 4,736 |
| Pretax return on assets | 0.7191% | 4,500 |
| Return on Equity (ROE) | 5.3421% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.0031% | 3,928 |
| Net charge-offs to loans | 0.0385% | 2,429 |
| Credit loss provision to net charge-offs | 284.4828% | 994 |
| Earnings coverage of net charge-offs (x) | 25.2759% | 1,611 |
| Efficiency ratio | 80.3669% | 1,174 |
| Assets per employee ($millions) | 3.4870% | 4,737 |
| Cash dividends to net income (ytd only)* | 43.7844% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,348 |
| Loan loss allowance to noncurrent loans | 104.8415% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 791 |
| Noncurrent loans to loans | 0.9197% | 2,134 |
| Net loans and leases to total assets | 82.8606% | 570 |
| Net loans and leases to deposits | 92.0116% | 1,492 |
| Net loans and leases to core deposits | 98.9971% | 1,727 |
| Total domestic deposits to total assets | 90.0545% | 520 |
| Equity capital to assets | 9.2049% | 4,714 |
| Core capital (leverage) ratio | 9.4351% | 4,192 |
| Tier 1 risk-based capital ratio | 11.4856% | 4,963 |
| Total risk-based capital ratio | 12.4797% | 5,015 |
| Memoranda: | ||
| Average total assets | $361,842,670 | 1,878 |
| Average earning assets | $331,378,330 | 1,898 |
| Average equity | $34,031,330 | 2,142 |
| Average total loans | $301,031,670 | 1,575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,092 |
| Cost of funding earning assets | 0.6625% | 1,015 |
| Net interest margin | 3.9565% | 1,588 |
| Noninterest income to average assets | 0.4716% | 3,179 |
| Noninterest expense to average assets | 3.3789% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5087% | 4,563 |
| Return on assets (ROA) | 0.5087% | 4,593 |
| Pretax return on assets | 0.7142% | 4,407 |
| Return on Equity (ROE) | 5.3491% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.9875% | 3,916 |
| Net charge-offs to loans | 0.0311% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.6522% | 1,271 |
| Efficiency ratio | 82.5514% | 1,107 |
| Assets per employee ($millions) | 3.4134% | 4,913 |
| Cash dividends to net income (ytd only)* | 44.1501% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 4,470 |
| Loan loss allowance to noncurrent loans | 57.9127% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4228% | 488 |
| Noncurrent loans to loans | 1.6661% | 1,161 |
| Net loans and leases to total assets | 80.9335% | 703 |
| Net loans and leases to deposits | 89.9778% | 1,531 |
| Net loans and leases to core deposits | 95.8479% | 1,828 |
| Total domestic deposits to total assets | 89.9483% | 687 |
| Equity capital to assets | 9.3154% | 4,494 |
| Core capital (leverage) ratio | 9.7523% | 3,810 |
| Tier 1 risk-based capital ratio | 11.7858% | 4,859 |
| Total risk-based capital ratio | 12.7701% | 4,921 |
| Memoranda: | ||
| Average total assets | $356,211,500 | 1,908 |
| Average earning assets | $326,048,500 | 1,933 |
| Average equity | $33,875,000 | 2,156 |
| Average total loans | $295,464,000 | 1,604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,119 |
| Cost of funding earning assets | 0.6843% | 890 |
| Net interest margin | 3.9850% | 1,673 |
| Noninterest income to average assets | 0.9978% | 1,157 |
| Noninterest expense to average assets | 3.4196% | 1,311 |
| Loan and lease loss provision to assets | 0.2846% | 691 |
| Net operating income to assets | 0.6554% | 3,974 |
| Return on assets (ROA) | 0.6554% | 4,092 |
| Pretax return on assets | 0.9587% | 3,625 |
| Return on Equity (ROE) | 6.7901% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.7274% | 2,529 |
| Net charge-offs to loans | 0.2448% | 1,135 |
| Credit loss provision to net charge-offs | 139.6848% | 1,954 |
| Earnings coverage of net charge-offs (x) | 6.1017% | 3,231 |
| Efficiency ratio | 73.3363% | 2,371 |
| Assets per employee ($millions) | 3.2448% | 5,104 |
| Cash dividends to net income (ytd only)* | 30.3786% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 4,379 |
| Loan loss allowance to noncurrent loans | 59.5487% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.4606% | 490 |
| Noncurrent loans to loans | 1.6669% | 1,159 |
| Net loans and leases to total assets | 83.3979% | 441 |
| Net loans and leases to deposits | 93.1871% | 1,275 |
| Net loans and leases to core deposits | 99.4266% | 1,671 |
| Total domestic deposits to total assets | 89.4951% | 863 |
| Equity capital to assets | 9.7142% | 4,048 |
| Core capital (leverage) ratio | 9.8017% | 3,746 |
| Tier 1 risk-based capital ratio | 11.9187% | 4,785 |
| Total risk-based capital ratio | 12.9305% | 4,841 |
| Memoranda: | ||
| Average total assets | $342,552,400 | 1,938 |
| Average earning assets | $315,053,400 | 1,945 |
| Average equity | $33,062,800 | 2,174 |
| Average total loans | $285,179,200 | 1,589 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 1,146 |
| Cost of funding earning assets | 0.6848% | 878 |
| Net interest margin | 3.9817% | 1,708 |
| Noninterest income to average assets | 1.0303% | 1,078 |
| Noninterest expense to average assets | 3.3704% | 1,413 |
| Loan and lease loss provision to assets | 0.2910% | 592 |
| Net operating income to assets | 0.6952% | 3,878 |
| Return on assets (ROA) | 0.6952% | 4,009 |
| Pretax return on assets | 1.0342% | 3,500 |
| Return on Equity (ROE) | 7.2143% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.1432% | 2,727 |
| Net charge-offs to loans | 0.2969% | 771 |
| Credit loss provision to net charge-offs | 118.0666% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.3772% | 3,143 |
| Efficiency ratio | 71.7791% | 2,609 |
| Assets per employee ($millions) | 3.3621% | 4,963 |
| Cash dividends to net income (ytd only)* | 28.7081% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,684 |
| Loan loss allowance to noncurrent loans | 54.0099% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.3613% | 593 |
| Noncurrent loans to loans | 1.7499% | 1,189 |
| Net loans and leases to total assets | 81.3776% | 706 |
| Net loans and leases to deposits | 90.6999% | 1,672 |
| Net loans and leases to core deposits | 96.8858% | 1,912 |
| Total domestic deposits to total assets | 89.7219% | 584 |
| Equity capital to assets | 9.5249% | 4,638 |
| Core capital (leverage) ratio | 9.7167% | 3,914 |
| Tier 1 risk-based capital ratio | 12.0057% | 4,785 |
| Total risk-based capital ratio | 12.9773% | 4,865 |
| Memoranda: | ||
| Average total assets | $341,392,750 | 1,940 |
| Average earning assets | $314,265,000 | 1,950 |
| Average equity | $32,896,750 | 2,200 |
| Average total loans | $283,360,750 | 1,599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,097 |
| Cost of funding earning assets | 0.6794% | 895 |
| Net interest margin | 3.9978% | 1,649 |
| Noninterest income to average assets | 1.0939% | 938 |
| Noninterest expense to average assets | 3.4801% | 1,201 |
| Loan and lease loss provision to assets | 0.3229% | 530 |
| Net operating income to assets | 0.6548% | 4,023 |
| Return on assets (ROA) | 0.6548% | 4,169 |
| Pretax return on assets | 0.9730% | 3,692 |
| Return on Equity (ROE) | 6.7679% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.6794% | 2,930 |
| Net charge-offs to loans | 0.2134% | 1,102 |
| Credit loss provision to net charge-offs | 181.6667% | 1,393 |
| Earnings coverage of net charge-offs (x) | 7.2900% | 2,638 |
| Efficiency ratio | 72.8660% | 2,540 |
| Assets per employee ($millions) | 3.2224% | 5,174 |
| Cash dividends to net income (ytd only)* | 30.8597% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 4,547 |
| Loan loss allowance to noncurrent loans | 55.2115% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.3866% | 609 |
| Noncurrent loans to loans | 1.8061% | 1,139 |
| Net loans and leases to total assets | 82.6694% | 556 |
| Net loans and leases to deposits | 92.1818% | 1,488 |
| Net loans and leases to core deposits | 98.7052% | 1,754 |
| Total domestic deposits to total assets | 89.6808% | 596 |
| Equity capital to assets | 9.6057% | 4,663 |
| Core capital (leverage) ratio | 9.6600% | 3,985 |
| Tier 1 risk-based capital ratio | 11.7326% | 5,014 |
| Total risk-based capital ratio | 12.7431% | 5,047 |
| Memoranda: | ||
| Average total assets | $337,516,330 | 1,975 |
| Average earning assets | $310,868,670 | 1,984 |
| Average equity | $32,654,000 | 2,215 |
| Average total loans | $281,140,330 | 1,612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,082 |
| Cost of funding earning assets | 0.6426% | 1,091 |
| Net interest margin | 4.0418% | 1,500 |
| Noninterest income to average assets | 0.8650% | 1,395 |
| Noninterest expense to average assets | 3.3929% | 1,394 |
| Loan and lease loss provision to assets | 0.3055% | 510 |
| Net operating income to assets | 0.5990% | 4,181 |
| Return on assets (ROA) | 0.5990% | 4,297 |
| Pretax return on assets | 0.8890% | 3,890 |
| Return on Equity (ROE) | 6.1688% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.0714% | 3,452 |
| Net charge-offs to loans | 0.1887% | 1,035 |
| Credit loss provision to net charge-offs | 194.6565% | 1,105 |
| Earnings coverage of net charge-offs (x) | 7.6107% | 2,139 |
| Efficiency ratio | 73.9619% | 2,482 |
| Assets per employee ($millions) | 3.3190% | 5,094 |
| Cash dividends to net income (ytd only)* | 34.0000% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 4,753 |
| Loan loss allowance to noncurrent loans | 38.5965% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 473 |
| Noncurrent loans to loans | 2.5186% | 738 |
| Net loans and leases to total assets | 81.1609% | 664 |
| Net loans and leases to deposits | 90.3554% | 1,533 |
| Net loans and leases to core deposits | 97.4919% | 1,671 |
| Total domestic deposits to total assets | 89.8240% | 665 |
| Equity capital to assets | 9.4526% | 4,715 |
| Core capital (leverage) ratio | 9.9564% | 3,590 |
| Tier 1 risk-based capital ratio | 11.6178% | 5,161 |
| Total risk-based capital ratio | 12.5899% | 5,221 |
| Memoranda: | ||
| Average total assets | $333,877,000 | 2,002 |
| Average earning assets | $307,484,000 | 2,010 |
| Average equity | $32,421,000 | 2,224 |
| Average total loans | $277,755,000 | 1,624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,257 |
| Cost of funding earning assets | 0.6489% | 1,082 |
| Net interest margin | 3.9812% | 1,780 |
| Noninterest income to average assets | 0.7535% | 1,966 |
| Noninterest expense to average assets | 3.1695% | 2,038 |
| Loan and lease loss provision to assets | 0.0425% | 3,483 |
| Net operating income to assets | 0.8318% | 3,188 |
| Return on assets (ROA) | 0.8370% | 3,243 |
| Pretax return on assets | 1.2269% | 2,561 |
| Return on Equity (ROE) | 8.5243% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.7084% | 1,431 |
| Net charge-offs to loans | 0.4536% | 608 |
| Credit loss provision to net charge-offs | 11.4991% | 3,814 |
| Earnings coverage of net charge-offs (x) | 3.4123% | 3,731 |
| Efficiency ratio | 71.5240% | 2,978 |
| Assets per employee ($millions) | 3.0722% | 5,456 |
| Cash dividends to net income (ytd only)* | 21.3022% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 4,797 |
| Loan loss allowance to noncurrent loans | 53.8667% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.2915% | 711 |
| Noncurrent loans to loans | 1.7882% | 1,234 |
| Net loans and leases to total assets | 83.6964% | 416 |
| Net loans and leases to deposits | 93.7758% | 1,217 |
| Net loans and leases to core deposits | 99.4482% | 1,557 |
| Total domestic deposits to total assets | 89.2516% | 996 |
| Equity capital to assets | 9.9864% | 3,973 |
| Core capital (leverage) ratio | 10.1242% | 3,361 |
| Tier 1 risk-based capital ratio | 11.9386% | 4,995 |
| Total risk-based capital ratio | 12.9030% | 5,072 |
| Memoranda: | ||
| Average total assets | $317,462,200 | 2,060 |
| Average earning assets | $293,277,200 | 2,058 |
| Average equity | $31,169,800 | 2,240 |
| Average total loans | $258,828,200 | 1,676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 1,364 |
| Cost of funding earning assets | 0.6611% | 1,029 |
| Net interest margin | 3.9262% | 1,947 |
| Noninterest income to average assets | 0.7763% | 1,899 |
| Noninterest expense to average assets | 3.0817% | 2,267 |
| Loan and lease loss provision to assets | 0.0569% | 3,050 |
| Net operating income to assets | 0.8580% | 3,135 |
| Return on assets (ROA) | 0.8649% | 3,199 |
| Pretax return on assets | 1.2790% | 2,476 |
| Return on Equity (ROE) | 8.8473% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.0183% | 1,675 |
| Net charge-offs to loans | 0.5795% | 386 |
| Credit loss provision to net charge-offs | 12.1622% | 3,431 |
| Earnings coverage of net charge-offs (x) | 2.8324% | 3,597 |
| Efficiency ratio | 69.9196% | 3,222 |
| Assets per employee ($millions) | 3.2643% | 5,185 |
| Cash dividends to net income (ytd only)* | 20.6729% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,724 |
| Loan loss allowance to noncurrent loans | 51.3261% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.2341% | 841 |
| Noncurrent loans to loans | 1.9564% | 1,189 |
| Net loans and leases to total assets | 82.8999% | 485 |
| Net loans and leases to deposits | 92.6834% | 1,342 |
| Net loans and leases to core deposits | 97.6166% | 1,733 |
| Total domestic deposits to total assets | 89.4442% | 803 |
| Equity capital to assets | 9.9419% | 4,236 |
| Core capital (leverage) ratio | 10.1740% | 3,411 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,086 |
| Total risk-based capital ratio | 13.0118% | 5,150 |
| Memoranda: | ||
| Average total assets | $316,183,000 | 2,081 |
| Average earning assets | $292,419,250 | 2,078 |
| Average equity | $30,908,750 | 2,275 |
| Average total loans | $255,382,000 | 1,704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,255 |
| Cost of funding earning assets | 0.6907% | 885 |
| Net interest margin | 3.9203% | 1,907 |
| Noninterest income to average assets | 0.7303% | 2,091 |
| Noninterest expense to average assets | 3.0443% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8820% | 2,980 |
| Return on assets (ROA) | 0.8922% | 3,049 |
| Pretax return on assets | 1.3310% | 2,242 |
| Return on Equity (ROE) | 9.1799% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.3309% | 1,558 |
| Net charge-offs to loans | 0.3997% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.1275% | 3,086 |
| Efficiency ratio | 69.8223% | 3,355 |
| Assets per employee ($millions) | 3.3419% | 5,088 |
| Cash dividends to net income (ytd only)* | 20.1423% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,520 |
| Loan loss allowance to noncurrent loans | 50.4546% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 715 |
| Noncurrent loans to loans | 2.4738% | 907 |
| Net loans and leases to total assets | 79.6631% | 849 |
| Net loans and leases to deposits | 89.0548% | 1,710 |
| Net loans and leases to core deposits | 94.3664% | 1,923 |
| Total domestic deposits to total assets | 89.4540% | 920 |
| Equity capital to assets | 9.9367% | 4,105 |
| Core capital (leverage) ratio | 10.0499% | 3,531 |
| Tier 1 risk-based capital ratio | 12.7138% | 4,675 |
| Total risk-based capital ratio | 13.9642% | 4,597 |
| Memoranda: | ||
| Average total assets | $314,944,330 | 2,101 |
| Average earning assets | $291,607,330 | 2,095 |
| Average equity | $30,610,330 | 2,298 |
| Average total loans | $251,214,000 | 1,732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 1,223 |
| Cost of funding earning assets | 0.7409% | 692 |
| Net interest margin | 3.8567% | 2,040 |
| Noninterest income to average assets | 0.7192% | 2,074 |
| Noninterest expense to average assets | 2.9846% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8702% | 2,898 |
| Return on assets (ROA) | 0.8702% | 3,021 |
| Pretax return on assets | 1.3065% | 2,258 |
| Return on Equity (ROE) | 9.0537% | 2,420 |
| Retained earnings to average equity (ytd only) | 7.1928% | 1,925 |
| Net charge-offs to loans | 0.0288% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 57.2222% | 768 |
| Efficiency ratio | 69.5537% | 3,567 |
| Assets per employee ($millions) | 3.4451% | 5,000 |
| Cash dividends to net income (ytd only)* | 20.5539% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 2,670 |
| Loan loss allowance to noncurrent loans | 67.9776% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.2451% | 1,012 |
| Noncurrent loans to loans | 2.1351% | 1,201 |
| Net loans and leases to total assets | 78.1304% | 905 |
| Net loans and leases to deposits | 87.1641% | 1,710 |
| Net loans and leases to core deposits | 92.3002% | 1,920 |
| Total domestic deposits to total assets | 89.6359% | 931 |
| Equity capital to assets | 9.6608% | 4,566 |
| Core capital (leverage) ratio | 9.8213% | 3,857 |
| Tier 1 risk-based capital ratio | 12.6429% | 4,820 |
| Total risk-based capital ratio | 13.8958% | 4,732 |
| Memoranda: | ||
| Average total assets | $315,347,000 | 2,111 |
| Average earning assets | $292,065,500 | 2,102 |
| Average equity | $30,308,000 | 2,329 |
| Average total loans | $250,113,000 | 1,741 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,297 |
| Cost of funding earning assets | 0.8634% | 472 |
| Net interest margin | 3.8411% | 2,461 |
| Noninterest income to average assets | 0.6024% | 2,845 |
| Noninterest expense to average assets | 3.0502% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7691% | 3,521 |
| Return on assets (ROA) | 0.7691% | 3,624 |
| Pretax return on assets | 1.0983% | 3,091 |
| Return on Equity (ROE) | 8.1706% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.2065% | 1,315 |
| Net charge-offs to loans | 0.1115% | 2,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.3213% | 2,388 |
| Efficiency ratio | 73.5262% | 2,921 |
| Assets per employee ($millions) | 3.4103% | 5,034 |
| Cash dividends to net income (ytd only)* | 11.7992% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 2,595 |
| Loan loss allowance to noncurrent loans | 69.3997% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.2496% | 1,079 |
| Noncurrent loans to loans | 2.1214% | 1,283 |
| Net loans and leases to total assets | 78.1783% | 976 |
| Net loans and leases to deposits | 87.0487% | 1,839 |
| Net loans and leases to core deposits | 92.3031% | 2,056 |
| Total domestic deposits to total assets | 89.8098% | 822 |
| Equity capital to assets | 9.5607% | 4,639 |
| Core capital (leverage) ratio | 9.5481% | 4,174 |
| Tier 1 risk-based capital ratio | 12.9401% | 4,760 |
| Total risk-based capital ratio | 14.1940% | 4,677 |
| Memoranda: | ||
| Average total assets | $310,763,800 | 2,092 |
| Average earning assets | $286,894,400 | 2,079 |
| Average equity | $29,251,200 | 2,325 |
| Average total loans | $248,355,600 | 1,697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,262 |
| Cost of funding earning assets | 0.8785% | 473 |
| Net interest margin | 3.8431% | 2,463 |
| Noninterest income to average assets | 0.6120% | 2,796 |
| Noninterest expense to average assets | 3.0535% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7522% | 3,660 |
| Return on assets (ROA) | 0.7522% | 3,754 |
| Pretax return on assets | 1.1031% | 3,174 |
| Return on Equity (ROE) | 8.0232% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,793 |
| Net charge-offs to loans | 0.1284% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.7322% | 2,511 |
| Efficiency ratio | 73.4609% | 2,908 |
| Assets per employee ($millions) | 3.4822% | 4,896 |
| Cash dividends to net income (ytd only)* | 12.1212% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,754 |
| Loan loss allowance to noncurrent loans | 73.1240% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.2460% | 1,223 |
| Noncurrent loans to loans | 2.0404% | 1,541 |
| Net loans and leases to total assets | 78.0102% | 960 |
| Net loans and leases to deposits | 86.7823% | 1,818 |
| Net loans and leases to core deposits | 92.0393% | 2,033 |
| Total domestic deposits to total assets | 89.8918% | 790 |
| Equity capital to assets | 9.5396% | 4,743 |
| Core capital (leverage) ratio | 9.5079% | 4,357 |
| Tier 1 risk-based capital ratio | 12.7079% | 5,038 |
| Total risk-based capital ratio | 13.9621% | 4,943 |
| Memoranda: | ||
| Average total assets | $310,019,000 | 2,111 |
| Average earning assets | $285,941,750 | 2,104 |
| Average equity | $29,065,000 | 2,346 |
| Average total loans | $248,208,500 | 1,709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,186 |
| Cost of funding earning assets | 0.8890% | 456 |
| Net interest margin | 3.8576% | 2,345 |
| Noninterest income to average assets | 0.5711% | 2,987 |
| Noninterest expense to average assets | 3.0580% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7226% | 3,716 |
| Return on assets (ROA) | 0.7226% | 3,812 |
| Pretax return on assets | 1.0644% | 3,230 |
| Return on Equity (ROE) | 7.7533% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.7737% | 1,888 |
| Net charge-offs to loans | 0.1354% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 2,321 |
| Efficiency ratio | 74.1794% | 2,946 |
| Assets per employee ($millions) | 3.2698% | 5,307 |
| Cash dividends to net income (ytd only)* | 12.6344% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,925 |
| Loan loss allowance to noncurrent loans | 78.2501% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 1,348 |
| Noncurrent loans to loans | 1.9112% | 1,787 |
| Net loans and leases to total assets | 80.0246% | 685 |
| Net loans and leases to deposits | 88.9211% | 1,488 |
| Net loans and leases to core deposits | 94.3341% | 1,747 |
| Total domestic deposits to total assets | 89.9951% | 817 |
| Equity capital to assets | 9.4390% | 4,802 |
| Core capital (leverage) ratio | 9.4102% | 4,454 |
| Tier 1 risk-based capital ratio | 12.3609% | 5,327 |
| Total risk-based capital ratio | 13.6152% | 5,242 |
| Memoranda: | ||
| Average total assets | $308,892,000 | 2,110 |
| Average earning assets | $284,371,670 | 2,105 |
| Average equity | $28,787,670 | 2,359 |
| Average total loans | $248,215,670 | 1,705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,209 |
| Cost of funding earning assets | 0.8999% | 454 |
| Net interest margin | 3.8237% | 2,371 |
| Noninterest income to average assets | 0.5545% | 3,018 |
| Noninterest expense to average assets | 3.1011% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6545% | 3,928 |
| Return on assets (ROA) | 0.6545% | 4,025 |
| Pretax return on assets | 0.9739% | 3,429 |
| Return on Equity (ROE) | 7.0684% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.0866% | 2,494 |
| Net charge-offs to loans | 0.0146% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 522 |
| Efficiency ratio | 76.0994% | 2,786 |
| Assets per employee ($millions) | 3.2523% | 5,442 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,769 |
| Loan loss allowance to noncurrent loans | 90.8944% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.1320% | 1,574 |
| Noncurrent loans to loans | 1.7434% | 2,219 |
| Net loans and leases to total assets | 79.0600% | 653 |
| Net loans and leases to deposits | 87.7446% | 1,383 |
| Net loans and leases to core deposits | 93.0846% | 1,630 |
| Total domestic deposits to total assets | 90.1024% | 1,013 |
| Equity capital to assets | 9.3208% | 4,739 |
| Core capital (leverage) ratio | 9.3801% | 4,459 |
| Tier 1 risk-based capital ratio | 12.3314% | 5,421 |
| Total risk-based capital ratio | 13.5870% | 5,347 |
| Memoranda: | ||
| Average total assets | $308,024,500 | 2,124 |
| Average earning assets | $283,597,000 | 2,119 |
| Average equity | $28,521,500 | 2,368 |
| Average total loans | $246,147,500 | 1,715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 1,207 |
| Cost of funding earning assets | 1.0052% | 429 |
| Net interest margin | 3.8415% | 2,499 |
| Noninterest income to average assets | 0.5879% | 3,164 |
| Noninterest expense to average assets | 3.1522% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6552% | 4,007 |
| Return on assets (ROA) | 0.6552% | 4,111 |
| Pretax return on assets | 0.9572% | 3,529 |
| Return on Equity (ROE) | 7.3444% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.1364% | 1,384 |
| Net charge-offs to loans | 0.4671% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.5735% | 4,144 |
| Efficiency ratio | 76.7067% | 2,673 |
| Assets per employee ($millions) | 3.2325% | 5,420 |
| Cash dividends to net income (ytd only)* | 2.8311% | 4,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 2,700 |
| Loan loss allowance to noncurrent loans | 99.6965% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0343% | 1,766 |
| Noncurrent loans to loans | 1.6199% | 2,475 |
| Net loans and leases to total assets | 78.2041% | 802 |
| Net loans and leases to deposits | 86.6706% | 1,611 |
| Net loans and leases to core deposits | 92.0532% | 1,791 |
| Total domestic deposits to total assets | 90.2314% | 944 |
| Equity capital to assets | 9.1978% | 4,808 |
| Core capital (leverage) ratio | 9.1553% | 4,778 |
| Tier 1 risk-based capital ratio | 12.2787% | 5,444 |
| Total risk-based capital ratio | 13.5344% | 5,365 |
| Memoranda: | ||
| Average total assets | $301,912,600 | 2,134 |
| Average earning assets | $276,769,600 | 2,136 |
| Average equity | $26,932,200 | 2,461 |
| Average total loans | $240,432,800 | 1,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 1,168 |
| Cost of funding earning assets | 1.0181% | 449 |
| Net interest margin | 3.8602% | 2,421 |
| Noninterest income to average assets | 0.5917% | 3,203 |
| Noninterest expense to average assets | 3.1241% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6812% | 3,946 |
| Return on assets (ROA) | 0.6812% | 4,089 |
| Pretax return on assets | 1.0024% | 3,497 |
| Return on Equity (ROE) | 7.6979% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.5576% | 1,616 |
| Net charge-offs to loans | 0.5722% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.1984% | 4,106 |
| Efficiency ratio | 75.7094% | 2,770 |
| Assets per employee ($millions) | 3.3111% | 5,268 |
| Cash dividends to net income (ytd only)* | 1.8228% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 2,710 |
| Loan loss allowance to noncurrent loans | 108.8727% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 2.0881% | 1,914 |
| Noncurrent loans to loans | 1.5388% | 2,856 |
| Net loans and leases to total assets | 76.9425% | 881 |
| Net loans and leases to deposits | 85.2022% | 1,717 |
| Net loans and leases to core deposits | 90.4790% | 1,924 |
| Total domestic deposits to total assets | 90.3057% | 839 |
| Equity capital to assets | 8.8525% | 5,358 |
| Core capital (leverage) ratio | 9.0749% | 4,999 |
| Tier 1 risk-based capital ratio | 12.2562% | 5,599 |
| Total risk-based capital ratio | 13.6795% | 5,437 |
| Memoranda: | ||
| Average total assets | $300,619,500 | 2,157 |
| Average earning assets | $275,278,500 | 2,151 |
| Average equity | $26,604,000 | 2,516 |
| Average total loans | $239,517,250 | 1,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 1,059 |
| Cost of funding earning assets | 1.0261% | 476 |
| Net interest margin | 3.8892% | 2,244 |
| Noninterest income to average assets | 0.5165% | 3,726 |
| Noninterest expense to average assets | 3.1397% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6359% | 4,127 |
| Return on assets (ROA) | 0.6359% | 4,275 |
| Pretax return on assets | 0.9310% | 3,777 |
| Return on Equity (ROE) | 7.1858% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.1858% | 1,801 |
| Net charge-offs to loans | 0.7187% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6158% | 3,983 |
| Efficiency ratio | 77.1297% | 2,605 |
| Assets per employee ($millions) | 3.1281% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 2,614 |
| Loan loss allowance to noncurrent loans | 88.4915% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,688 |
| Noncurrent loans to loans | 1.9697% | 2,434 |
| Net loans and leases to total assets | 78.9558% | 639 |
| Net loans and leases to deposits | 87.5658% | 1,395 |
| Net loans and leases to core deposits | 92.6777% | 1,639 |
| Total domestic deposits to total assets | 90.1674% | 941 |
| Equity capital to assets | 8.8779% | 5,355 |
| Core capital (leverage) ratio | 8.9026% | 5,140 |
| Tier 1 risk-based capital ratio | 11.7276% | 5,973 |
| Total risk-based capital ratio | 13.1656% | 5,792 |
| Memoranda: | ||
| Average total assets | $298,181,330 | 2,176 |
| Average earning assets | $272,500,670 | 2,175 |
| Average equity | $26,385,330 | 2,548 |
| Average total loans | $239,033,330 | 1,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 1,040 |
| Cost of funding earning assets | 1.0393% | 498 |
| Net interest margin | 3.8766% | 2,194 |
| Noninterest income to average assets | 0.4779% | 3,935 |
| Noninterest expense to average assets | 3.1287% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6058% | 4,185 |
| Return on assets (ROA) | 0.6058% | 4,343 |
| Pretax return on assets | 0.8845% | 3,817 |
| Return on Equity (ROE) | 6.8577% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.8577% | 2,227 |
| Net charge-offs to loans | 0.9029% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.2235% | 3,419 |
| Efficiency ratio | 77.9604% | 2,615 |
| Assets per employee ($millions) | 3.1806% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 2,236 |
| Loan loss allowance to noncurrent loans | 64.2725% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 3.4575% | 1,231 |
| Noncurrent loans to loans | 2.9924% | 1,677 |
| Net loans and leases to total assets | 77.2306% | 697 |
| Net loans and leases to deposits | 85.5942% | 1,404 |
| Net loans and leases to core deposits | 90.6389% | 1,645 |
| Total domestic deposits to total assets | 90.2289% | 921 |
| Equity capital to assets | 8.8500% | 5,665 |
| Core capital (leverage) ratio | 8.8432% | 5,129 |
| Tier 1 risk-based capital ratio | 11.7156% | 6,079 |
| Total risk-based capital ratio | 13.1594% | 5,940 |
| Memoranda: | ||
| Average total assets | $297,124,000 | 2,207 |
| Average earning assets | $270,958,500 | 2,210 |
| Average equity | $26,248,000 | 2,589 |
| Average total loans | $237,896,500 | 1,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 1,301 |
| Cost of funding earning assets | 1.2031% | 568 |
| Net interest margin | 3.9019% | 2,819 |
| Noninterest income to average assets | 0.4117% | 4,515 |
| Noninterest expense to average assets | 2.9565% | 3,446 |
| Loan and lease loss provision to assets | 0.3651% | 1,802 |
| Net operating income to assets | 0.4471% | 4,896 |
| Return on assets (ROA) | 0.4471% | 5,142 |
| Pretax return on assets | 0.6394% | 4,851 |
| Return on Equity (ROE) | 5.3634% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.3634% | 2,459 |
| Net charge-offs to loans | 0.8356% | 1,386 |
| Credit loss provision to net charge-offs | 54.2998% | 4,593 |
| Earnings coverage of net charge-offs (x) | 1.4939% | 4,695 |
| Efficiency ratio | 74.6392% | 2,964 |
| Assets per employee ($millions) | 3.2095% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 1,752 |
| Loan loss allowance to noncurrent loans | 56.2528% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 4.3549% | 959 |
| Noncurrent loans to loans | 3.7459% | 1,299 |
| Net loans and leases to total assets | 79.6888% | 502 |
| Net loans and leases to deposits | 88.2987% | 1,232 |
| Net loans and leases to core deposits | 93.6510% | 1,495 |
| Total domestic deposits to total assets | 90.2491% | 823 |
| Equity capital to assets | 8.8179% | 5,729 |
| Core capital (leverage) ratio | 8.6343% | 5,419 |
| Tier 1 risk-based capital ratio | 11.2468% | 6,248 |
| Total risk-based capital ratio | 12.6879% | 6,111 |
| Memoranda: | ||
| Average total assets | $302,620,600 | 2,124 |
| Average earning assets | $275,278,000 | 2,129 |
| Average equity | $25,226,600 | 2,632 |
| Average total loans | $243,533,800 | 1,698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,422 |
| Cost of funding earning assets | 1.2342% | 594 |
| Net interest margin | 3.8682% | 3,037 |
| Noninterest income to average assets | 0.3398% | 5,088 |
| Noninterest expense to average assets | 2.8759% | 3,685 |
| Loan and lease loss provision to assets | 0.3963% | 1,618 |
| Net operating income to assets | 0.4108% | 5,204 |
| Return on assets (ROA) | 0.4108% | 5,438 |
| Pretax return on assets | 0.5855% | 5,216 |
| Return on Equity (ROE) | 4.9978% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.9978% | 3,365 |
| Net charge-offs to loans | 0.8977% | 1,215 |
| Credit loss provision to net charge-offs | 55.0152% | 4,278 |
| Earnings coverage of net charge-offs (x) | 1.3629% | 4,618 |
| Efficiency ratio | 74.5488% | 2,897 |
| Assets per employee ($millions) | 3.2370% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 1,770 |
| Loan loss allowance to noncurrent loans | 63.7975% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 4.1861% | 1,140 |
| Noncurrent loans to loans | 3.3994% | 1,609 |
| Net loans and leases to total assets | 78.7442% | 644 |
| Net loans and leases to deposits | 86.8730% | 1,499 |
| Net loans and leases to core deposits | 91.8312% | 1,793 |
| Total domestic deposits to total assets | 90.6428% | 544 |
| Equity capital to assets | 8.5447% | 6,226 |
| Core capital (leverage) ratio | 8.3496% | 5,946 |
| Tier 1 risk-based capital ratio | 10.8256% | 6,553 |
| Total risk-based capital ratio | 12.2655% | 6,455 |
| Memoranda: | ||
| Average total assets | $304,456,750 | 2,130 |
| Average earning assets | $276,885,750 | 2,142 |
| Average equity | $25,024,000 | 2,685 |
| Average total loans | $244,325,500 | 1,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 1,170 |
| Cost of funding earning assets | 1.2749% | 584 |
| Net interest margin | 3.9608% | 2,675 |
| Noninterest income to average assets | 0.1721% | 6,320 |
| Noninterest expense to average assets | 2.8606% | 3,778 |
| Loan and lease loss provision to assets | 0.2258% | 2,821 |
| Net operating income to assets | 0.4778% | 4,918 |
| Return on assets (ROA) | 0.4778% | 5,165 |
| Pretax return on assets | 0.6846% | 4,867 |
| Return on Equity (ROE) | 5.8892% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.8892% | 2,766 |
| Net charge-offs to loans | 1.0727% | 1,021 |
| Credit loss provision to net charge-offs | 26.2557% | 4,500 |
| Earnings coverage of net charge-offs (x) | 1.0586% | 4,492 |
| Efficiency ratio | 75.8591% | 2,764 |
| Assets per employee ($millions) | 3.2956% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,043 |
| Loan loss allowance to noncurrent loans | 48.5745% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 4.7376% | 1,018 |
| Noncurrent loans to loans | 4.2759% | 1,264 |
| Net loans and leases to total assets | 78.1551% | 700 |
| Net loans and leases to deposits | 86.0402% | 1,589 |
| Net loans and leases to core deposits | 91.3098% | 1,838 |
| Total domestic deposits to total assets | 90.8355% | 514 |
| Equity capital to assets | 8.4224% | 6,284 |
| Core capital (leverage) ratio | 8.0773% | 6,182 |
| Tier 1 risk-based capital ratio | 10.5872% | 6,667 |
| Total risk-based capital ratio | 12.0096% | 6,580 |
| Memoranda: | ||
| Average total assets | $305,595,000 | 2,121 |
| Average earning assets | $277,668,670 | 2,136 |
| Average equity | $24,791,000 | 2,693 |
| Average total loans | $244,998,000 | 1,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 1,051 |
| Cost of funding earning assets | 1.3200% | 581 |
| Net interest margin | 4.0032% | 2,491 |
| Noninterest income to average assets | 0.1108% | 6,692 |
| Noninterest expense to average assets | 2.7823% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6584% | 4,088 |
| Return on assets (ROA) | 0.6584% | 4,296 |
| Pretax return on assets | 0.9583% | 3,841 |
| Return on Equity (ROE) | 8.2724% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.2724% | 1,874 |
| Net charge-offs to loans | 1.1537% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.0338% | 3,808 |
| Efficiency ratio | 74.3813% | 3,037 |
| Assets per employee ($millions) | 3.3295% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 1,940 |
| Loan loss allowance to noncurrent loans | 46.9272% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 5.4065% | 922 |
| Noncurrent loans to loans | 4.6307% | 1,239 |
| Net loans and leases to total assets | 77.6570% | 622 |
| Net loans and leases to deposits | 85.3216% | 1,496 |
| Net loans and leases to core deposits | 90.4626% | 1,804 |
| Total domestic deposits to total assets | 91.0168% | 550 |
| Equity capital to assets | 8.2471% | 6,318 |
| Core capital (leverage) ratio | 7.9266% | 6,315 |
| Tier 1 risk-based capital ratio | 10.3746% | 6,770 |
| Total risk-based capital ratio | 11.7701% | 6,721 |
| Memoranda: | ||
| Average total assets | $306,796,500 | 2,118 |
| Average earning assets | $278,175,000 | 2,138 |
| Average equity | $24,418,500 | 2,726 |
| Average total loans | $246,504,000 | 1,679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 1,653 |
| Cost of funding earning assets | 1.4425% | 874 |
| Net interest margin | 3.8747% | 3,449 |
| Noninterest income to average assets | 0.2500% | 5,743 |
| Noninterest expense to average assets | 2.8397% | 4,198 |
| Loan and lease loss provision to assets | 2.4022% | 191 |
| Net operating income to assets | -0.9179% | 6,707 |
| Return on assets (ROA) | -0.9172% | 6,734 |
| Pretax return on assets | -1.4365% | 6,881 |
| Return on Equity (ROE) | -11.6178% | 6,781 |
| Retained earnings to average equity (ytd only) | -11.9471% | 6,768 |
| Net charge-offs to loans | 2.5740% | 439 |
| Credit loss provision to net charge-offs | 112.7599% | 2,928 |
| Earnings coverage of net charge-offs (x) | 0.4528% | 5,481 |
| Efficiency ratio | 74.6415% | 3,115 |
| Assets per employee ($millions) | 3.3767% | 5,310 |
| Cash dividends to net income (ytd only)* | -2.8341% | 7,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3994% | 1,460 |
| Loan loss allowance to noncurrent loans | 43.4389% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 6.2006% | 779 |
| Noncurrent loans to loans | 5.5237% | 951 |
| Net loans and leases to total assets | 79.3594% | 559 |
| Net loans and leases to deposits | 86.6168% | 1,592 |
| Net loans and leases to core deposits | 91.9420% | 1,893 |
| Total domestic deposits to total assets | 91.6213% | 298 |
| Equity capital to assets | 7.6722% | 6,738 |
| Core capital (leverage) ratio | 7.2289% | 6,776 |
| Tier 1 risk-based capital ratio | 9.4392% | 6,972 |
| Total risk-based capital ratio | 10.8311% | 6,940 |
| Memoranda: | ||
| Average total assets | $311,584,400 | 2,058 |
| Average earning assets | $285,832,200 | 2,055 |
| Average equity | $24,600,200 | 2,617 |
| Average total loans | $257,889,400 | 1,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,739 |
| Cost of funding earning assets | 1.4689% | 958 |
| Net interest margin | 3.8652% | 3,547 |
| Noninterest income to average assets | 0.2904% | 5,533 |
| Noninterest expense to average assets | 2.7646% | 4,482 |
| Loan and lease loss provision to assets | 2.6332% | 157 |
| Net operating income to assets | -1.0008% | 6,885 |
| Return on assets (ROA) | -1.0000% | 6,914 |
| Pretax return on assets | -1.5535% | 7,031 |
| Return on Equity (ROE) | -12.5786% | 6,960 |
| Retained earnings to average equity (ytd only) | -13.0131% | 6,948 |
| Net charge-offs to loans | 2.7302% | 378 |
| Credit loss provision to net charge-offs | 116.0278% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.4752% | 5,264 |
| Efficiency ratio | 71.9374% | 3,564 |
| Assets per employee ($millions) | 3.4728% | 5,067 |
| Cash dividends to net income (ytd only)* | -3.4542% | 7,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3520% | 1,614 |
| Loan loss allowance to noncurrent loans | 36.9338% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 6.4839% | 799 |
| Noncurrent loans to loans | 6.3683% | 841 |
| Net loans and leases to total assets | 78.8345% | 624 |
| Net loans and leases to deposits | 86.0094% | 1,690 |
| Net loans and leases to core deposits | 91.2443% | 2,084 |
| Total domestic deposits to total assets | 91.6580% | 269 |
| Equity capital to assets | 7.4829% | 6,937 |
| Core capital (leverage) ratio | 7.6608% | 6,664 |
| Tier 1 risk-based capital ratio | 9.8528% | 6,993 |
| Total risk-based capital ratio | 11.2133% | 6,949 |
| Memoranda: | ||
| Average total assets | $312,661,000 | 2,057 |
| Average earning assets | $287,379,500 | 2,051 |
| Average equity | $24,856,500 | 2,597 |
| Average total loans | $259,899,500 | 1,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 1,729 |
| Cost of funding earning assets | 1.4745% | 1,090 |
| Net interest margin | 3.8708% | 3,437 |
| Noninterest income to average assets | 0.4590% | 4,206 |
| Noninterest expense to average assets | 2.7894% | 4,468 |
| Loan and lease loss provision to assets | 2.6481% | 189 |
| Net operating income to assets | -0.9026% | 6,911 |
| Return on assets (ROA) | -0.9013% | 6,915 |
| Pretax return on assets | -1.4104% | 7,035 |
| Return on Equity (ROE) | -11.1167% | 6,969 |
| Retained earnings to average equity (ytd only) | -11.7580% | 6,935 |
| Net charge-offs to loans | 1.8969% | 716 |
| Credit loss provision to net charge-offs | 166.3306% | 1,828 |
| Earnings coverage of net charge-offs (x) | 0.7762% | 4,720 |
| Efficiency ratio | 69.2982% | 4,262 |
| Assets per employee ($millions) | 3.2855% | 5,452 |
| Cash dividends to net income (ytd only)* | -5.7692% | 7,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6291% | 1,271 |
| Loan loss allowance to noncurrent loans | 38.4611% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 6.9392% | 740 |
| Noncurrent loans to loans | 6.8358% | 773 |
| Net loans and leases to total assets | 79.7630% | 549 |
| Net loans and leases to deposits | 87.2143% | 1,624 |
| Net loans and leases to core deposits | 92.9602% | 2,022 |
| Total domestic deposits to total assets | 91.4563% | 354 |
| Equity capital to assets | 7.7610% | 6,830 |
| Core capital (leverage) ratio | 7.9671% | 6,342 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,929 |
| Total risk-based capital ratio | 11.4326% | 6,908 |
| Memoranda: | ||
| Average total assets | $311,538,670 | 2,067 |
| Average earning assets | $287,021,330 | 2,060 |
| Average equity | $25,259,330 | 2,531 |
| Average total loans | $261,486,000 | 1,644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 1,883 |
| Cost of funding earning assets | 1.4906% | 1,202 |
| Net interest margin | 3.8034% | 3,599 |
| Noninterest income to average assets | 0.5039% | 3,855 |
| Noninterest expense to average assets | 2.7274% | 4,726 |
| Loan and lease loss provision to assets | 1.9574% | 280 |
| Net operating income to assets | -0.3979% | 6,739 |
| Return on assets (ROA) | -0.3979% | 6,747 |
| Pretax return on assets | -0.6667% | 6,856 |
| Return on Equity (ROE) | -4.8032% | 6,800 |
| Retained earnings to average equity (ytd only) | -5.5985% | 6,563 |
| Net charge-offs to loans | 1.3063% | 1,060 |
| Credit loss provision to net charge-offs | 176.3679% | 1,660 |
| Earnings coverage of net charge-offs (x) | 1.1630% | 3,785 |
| Efficiency ratio | 67.8778% | 4,679 |
| Assets per employee ($millions) | 3.1866% | 5,745 |
| Cash dividends to net income (ytd only)* | -16.5584% | 7,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 1,958 |
| Loan loss allowance to noncurrent loans | 31.0890% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 6.5950% | 832 |
| Noncurrent loans to loans | 7.0883% | 767 |
| Net loans and leases to total assets | 83.3311% | 257 |
| Net loans and leases to deposits | 91.6545% | 1,048 |
| Net loans and leases to core deposits | 97.6565% | 1,554 |
| Total domestic deposits to total assets | 90.9187% | 670 |
| Equity capital to assets | 8.2547% | 6,218 |
| Core capital (leverage) ratio | 8.5224% | 5,412 |
| Tier 1 risk-based capital ratio | 10.4763% | 6,822 |
| Total risk-based capital ratio | 11.7394% | 6,797 |
| Memoranda: | ||
| Average total assets | $309,602,000 | 2,097 |
| Average earning assets | $286,062,500 | 2,075 |
| Average equity | $25,649,500 | 2,480 |
| Average total loans | $263,041,500 | 1,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 1,712 |
| Cost of funding earning assets | 1.7817% | 1,247 |
| Net interest margin | 3.8792% | 3,594 |
| Noninterest income to average assets | 0.4587% | 4,452 |
| Noninterest expense to average assets | 2.8385% | 4,441 |
| Loan and lease loss provision to assets | 1.2885% | 1,198 |
| Net operating income to assets | -0.0220% | 5,883 |
| Return on assets (ROA) | -0.0213% | 5,987 |
| Pretax return on assets | -0.0866% | 5,988 |
| Return on Equity (ROE) | -0.2523% | 5,994 |
| Retained earnings to average equity (ytd only) | -2.0974% | 5,979 |
| Net charge-offs to loans | 1.0792% | 2,058 |
| Credit loss provision to net charge-offs | 142.2293% | 2,630 |
| Earnings coverage of net charge-offs (x) | 1.3256% | 4,781 |
| Efficiency ratio | 70.2705% | 4,122 |
| Assets per employee ($millions) | 3.2303% | 5,594 |
| Cash dividends to net income (ytd only)* | -731.3433% | 7,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 2,401 |
| Loan loss allowance to noncurrent loans | 36.1542% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.1885% | 1,212 |
| Noncurrent loans to loans | 5.4201% | 1,215 |
| Net loans and leases to total assets | 83.0543% | 378 |
| Net loans and leases to deposits | 91.4130% | 1,334 |
| Net loans and leases to core deposits | 97.6342% | 1,830 |
| Total domestic deposits to total assets | 90.8561% | 668 |
| Equity capital to assets | 8.3145% | 6,125 |
| Core capital (leverage) ratio | 8.3375% | 5,630 |
| Tier 1 risk-based capital ratio | 10.5696% | 6,654 |
| Total risk-based capital ratio | 11.8296% | 6,620 |
| Memoranda: | ||
| Average total assets | $313,933,400 | 2,067 |
| Average earning assets | $289,776,000 | 2,049 |
| Average equity | $26,556,200 | 2,415 |
| Average total loans | $263,521,600 | 1,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 1,924 |
| Cost of funding earning assets | 1.8151% | 1,358 |
| Net interest margin | 3.8222% | 3,871 |
| Noninterest income to average assets | 0.4425% | 4,622 |
| Noninterest expense to average assets | 2.7306% | 4,754 |
| Loan and lease loss provision to assets | 1.1242% | 1,292 |
| Net operating income to assets | 0.1067% | 5,757 |
| Return on assets (ROA) | 0.1071% | 5,906 |
| Pretax return on assets | 0.1135% | 5,893 |
| Return on Equity (ROE) | 1.2610% | 5,830 |
| Retained earnings to average equity (ytd only) | -0.6081% | 5,944 |
| Net charge-offs to loans | 1.2993% | 1,567 |
| Credit loss provision to net charge-offs | 103.3074% | 4,154 |
| Earnings coverage of net charge-offs (x) | 1.1370% | 4,918 |
| Efficiency ratio | 68.8187% | 4,307 |
| Assets per employee ($millions) | 3.3435% | 5,343 |
| Cash dividends to net income (ytd only)* | 148.2242% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,834 |
| Loan loss allowance to noncurrent loans | 44.1186% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.5392% | 2,008 |
| Noncurrent loans to loans | 3.4633% | 2,298 |
| Net loans and leases to total assets | 80.9578% | 624 |
| Net loans and leases to deposits | 88.8811% | 1,876 |
| Net loans and leases to core deposits | 95.1741% | 2,362 |
| Total domestic deposits to total assets | 91.0855% | 421 |
| Equity capital to assets | 8.2973% | 6,511 |
| Core capital (leverage) ratio | 8.3759% | 5,745 |
| Tier 1 risk-based capital ratio | 10.6103% | 6,700 |
| Total risk-based capital ratio | 11.8646% | 6,686 |
| Memoranda: | ||
| Average total assets | $314,889,750 | 2,094 |
| Average earning assets | $290,440,000 | 2,076 |
| Average equity | $26,749,250 | 2,434 |
| Average total loans | $263,725,500 | 1,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 1,727 |
| Cost of funding earning assets | 1.8373% | 1,500 |
| Net interest margin | 3.8713% | 3,579 |
| Noninterest income to average assets | 0.5172% | 3,974 |
| Noninterest expense to average assets | 2.7699% | 4,622 |
| Loan and lease loss provision to assets | 0.7831% | 1,838 |
| Net operating income to assets | 0.3850% | 4,822 |
| Return on assets (ROA) | 0.3855% | 4,986 |
| Pretax return on assets | 0.5370% | 4,791 |
| Return on Equity (ROE) | 4.5020% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.5608% | 4,518 |
| Net charge-offs to loans | 1.3115% | 1,450 |
| Credit loss provision to net charge-offs | 70.8502% | 4,947 |
| Earnings coverage of net charge-offs (x) | 1.1938% | 4,607 |
| Efficiency ratio | 67.7349% | 4,625 |
| Assets per employee ($millions) | 3.1762% | 5,731 |
| Cash dividends to net income (ytd only)* | 43.1177% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,869 |
| Loan loss allowance to noncurrent loans | 31.7825% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 4.1861% | 1,612 |
| Noncurrent loans to loans | 4.1143% | 1,822 |
| Net loans and leases to total assets | 81.8141% | 555 |
| Net loans and leases to deposits | 89.9820% | 1,858 |
| Net loans and leases to core deposits | 96.7101% | 2,359 |
| Total domestic deposits to total assets | 90.9228% | 517 |
| Equity capital to assets | 8.4875% | 6,175 |
| Core capital (leverage) ratio | 8.7020% | 5,067 |
| Tier 1 risk-based capital ratio | 10.7484% | 6,482 |
| Total risk-based capital ratio | 11.9997% | 6,472 |
| Memoranda: | ||
| Average total assets | $312,862,330 | 2,130 |
| Average earning assets | $288,688,330 | 2,097 |
| Average equity | $26,788,330 | 2,423 |
| Average total loans | $263,672,670 | 1,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8089% | 1,427 |
| Cost of funding earning assets | 1.9149% | 1,387 |
| Net interest margin | 3.8940% | 3,359 |
| Noninterest income to average assets | 0.5102% | 3,975 |
| Noninterest expense to average assets | 2.7802% | 4,559 |
| Loan and lease loss provision to assets | 0.7343% | 1,730 |
| Net operating income to assets | 0.4191% | 4,758 |
| Return on assets (ROA) | 0.4200% | 4,896 |
| Pretax return on assets | 0.5888% | 4,656 |
| Return on Equity (ROE) | 4.8833% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.1606% | 4,251 |
| Net charge-offs to loans | 1.4690% | 1,176 |
| Credit loss provision to net charge-offs | 58.8235% | 4,319 |
| Earnings coverage of net charge-offs (x) | 1.0588% | 4,130 |
| Efficiency ratio | 67.7764% | 4,768 |
| Assets per employee ($millions) | 3.2824% | 5,577 |
| Cash dividends to net income (ytd only)* | 35.2761% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,707 |
| Loan loss allowance to noncurrent loans | 30.2911% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.2982% | 1,582 |
| Noncurrent loans to loans | 4.4406% | 1,691 |
| Net loans and leases to total assets | 83.4508% | 432 |
| Net loans and leases to deposits | 92.0202% | 1,613 |
| Net loans and leases to core deposits | 98.5048% | 2,294 |
| Total domestic deposits to total assets | 90.6875% | 661 |
| Equity capital to assets | 8.6076% | 5,860 |
| Core capital (leverage) ratio | 8.8618% | 4,781 |
| Tier 1 risk-based capital ratio | 10.6550% | 6,486 |
| Total risk-based capital ratio | 11.9069% | 6,472 |
| Memoranda: | ||
| Average total assets | $310,483,500 | 2,195 |
| Average earning assets | $286,387,500 | 2,169 |
| Average equity | $26,703,500 | 2,453 |
| Average total loans | $263,858,500 | 1,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0101% | 1,827 |
| Cost of funding earning assets | 2.3780% | 1,369 |
| Net interest margin | 3.6320% | 4,419 |
| Noninterest income to average assets | 0.5286% | 4,191 |
| Noninterest expense to average assets | 2.9382% | 4,393 |
| Loan and lease loss provision to assets | 0.5913% | 3,431 |
| Net operating income to assets | 0.2686% | 4,654 |
| Return on assets (ROA) | 0.2709% | 4,725 |
| Pretax return on assets | 0.3518% | 4,639 |
| Return on Equity (ROE) | 3.1649% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.7604% | 4,477 |
| Net charge-offs to loans | 0.6209% | 3,349 |
| Credit loss provision to net charge-offs | 110.2217% | 4,994 |
| Earnings coverage of net charge-offs (x) | 1.7525% | 4,414 |
| Efficiency ratio | 75.7581% | 3,566 |
| Assets per employee ($millions) | 3.2202% | 5,680 |
| Cash dividends to net income (ytd only)* | 75.9756% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 3,754 |
| Loan loss allowance to noncurrent loans | 32.2889% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 4.3818% | 1,479 |
| Noncurrent loans to loans | 4.6313% | 1,519 |
| Net loans and leases to total assets | 84.1042% | 420 |
| Net loans and leases to deposits | 92.6966% | 1,785 |
| Net loans and leases to core deposits | 123.5566% | 1,673 |
| Total domestic deposits to total assets | 90.7307% | 650 |
| Equity capital to assets | 8.5935% | 5,736 |
| Core capital (leverage) ratio | 8.8374% | 4,708 |
| Tier 1 risk-based capital ratio | 10.5306% | 6,362 |
| Total risk-based capital ratio | 11.7840% | 6,340 |
| Memoranda: | ||
| Average total assets | $302,700,800 | 2,201 |
| Average earning assets | $279,182,000 | 2,189 |
| Average equity | $25,909,000 | 2,536 |
| Average total loans | $261,556,200 | 1,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0483% | 1,848 |
| Cost of funding earning assets | 2.4553% | 1,427 |
| Net interest margin | 3.5931% | 4,502 |
| Noninterest income to average assets | 0.5797% | 3,857 |
| Noninterest expense to average assets | 2.8770% | 4,546 |
| Loan and lease loss provision to assets | 0.4628% | 3,595 |
| Net operating income to assets | 0.3997% | 4,403 |
| Return on assets (ROA) | 0.4025% | 4,494 |
| Pretax return on assets | 0.5566% | 4,342 |
| Return on Equity (ROE) | 4.7076% | 4,075 |
| Retained earnings to average equity (ytd only) | 1.9990% | 4,205 |
| Net charge-offs to loans | 0.6806% | 2,654 |
| Credit loss provision to net charge-offs | 78.4535% | 5,798 |
| Earnings coverage of net charge-offs (x) | 1.7215% | 4,508 |
| Efficiency ratio | 73.9135% | 3,876 |
| Assets per employee ($millions) | 3.0945% | 5,922 |
| Cash dividends to net income (ytd only)* | 57.5361% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,347 |
| Loan loss allowance to noncurrent loans | 28.5598% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 4.5322% | 1,342 |
| Noncurrent loans to loans | 4.6416% | 1,485 |
| Net loans and leases to total assets | 86.6447% | 303 |
| Net loans and leases to deposits | 95.9662% | 1,585 |
| Net loans and leases to core deposits | 127.8244% | 1,596 |
| Total domestic deposits to total assets | 90.2867% | 671 |
| Equity capital to assets | 8.6462% | 6,040 |
| Core capital (leverage) ratio | 8.9569% | 4,713 |
| Tier 1 risk-based capital ratio | 10.6081% | 6,333 |
| Total risk-based capital ratio | 11.8595% | 6,309 |
| Memoranda: | ||
| Average total assets | $301,091,250 | 2,221 |
| Average earning assets | $277,601,000 | 2,214 |
| Average equity | $25,744,750 | 2,570 |
| Average total loans | $260,958,750 | 1,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1136% | 1,748 |
| Cost of funding earning assets | 2.4970% | 1,622 |
| Net interest margin | 3.6166% | 4,299 |
| Noninterest income to average assets | 0.5435% | 4,085 |
| Noninterest expense to average assets | 2.8912% | 4,532 |
| Loan and lease loss provision to assets | 0.5209% | 2,941 |
| Net operating income to assets | 0.3379% | 4,728 |
| Return on assets (ROA) | 0.3417% | 4,828 |
| Pretax return on assets | 0.4678% | 4,726 |
| Return on Equity (ROE) | 4.0116% | 4,491 |
| Retained earnings to average equity (ytd only) | 1.2931% | 4,619 |
| Net charge-offs to loans | 0.7351% | 2,211 |
| Credit loss provision to net charge-offs | 82.1130% | 5,138 |
| Earnings coverage of net charge-offs (x) | 1.5502% | 4,374 |
| Efficiency ratio | 74.6189% | 3,934 |
| Assets per employee ($millions) | 3.1901% | 5,606 |
| Cash dividends to net income (ytd only)* | 67.7670% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,843 |
| Loan loss allowance to noncurrent loans | 35.6051% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.7356% | 1,642 |
| Noncurrent loans to loans | 3.8723% | 1,756 |
| Net loans and leases to total assets | 84.3201% | 586 |
| Net loans and leases to deposits | 93.0900% | 2,253 |
| Net loans and leases to core deposits | 124.6823% | 1,964 |
| Total domestic deposits to total assets | 90.5791% | 600 |
| Equity capital to assets | 8.3750% | 6,237 |
| Core capital (leverage) ratio | 8.8118% | 4,928 |
| Tier 1 risk-based capital ratio | 10.4614% | 6,411 |
| Total risk-based capital ratio | 11.7131% | 6,357 |
| Memoranda: | ||
| Average total assets | $301,399,670 | 2,249 |
| Average earning assets | $277,611,000 | 2,237 |
| Average equity | $25,675,330 | 2,586 |
| Average total loans | $260,087,670 | 1,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2492% | 1,449 |
| Cost of funding earning assets | 2.5197% | 1,847 |
| Net interest margin | 3.7295% | 3,764 |
| Noninterest income to average assets | 0.5004% | 4,321 |
| Noninterest expense to average assets | 2.6410% | 5,260 |
| Loan and lease loss provision to assets | 0.6355% | 1,985 |
| Net operating income to assets | 0.4683% | 4,575 |
| Return on assets (ROA) | 0.4683% | 4,762 |
| Pretax return on assets | 0.6556% | 4,571 |
| Return on Equity (ROE) | 5.4498% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.7405% | 4,360 |
| Net charge-offs to loans | 0.4892% | 2,238 |
| Credit loss provision to net charge-offs | 149.8423% | 2,795 |
| Earnings coverage of net charge-offs (x) | 3.0442% | 3,294 |
| Efficiency ratio | 67.1657% | 5,108 |
| Assets per employee ($millions) | 3.1559% | 5,722 |
| Cash dividends to net income (ytd only)* | 49.7143% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,956 |
| Loan loss allowance to noncurrent loans | 92.3564% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 3,162 |
| Noncurrent loans to loans | 1.6297% | 3,833 |
| Net loans and leases to total assets | 85.0806% | 537 |
| Net loans and leases to deposits | 93.9911% | 2,264 |
| Net loans and leases to core deposits | 126.6470% | 1,876 |
| Total domestic deposits to total assets | 90.5198% | 583 |
| Equity capital to assets | 8.5230% | 6,040 |
| Core capital (leverage) ratio | 9.1011% | 4,553 |
| Tier 1 risk-based capital ratio | 10.4482% | 6,449 |
| Total risk-based capital ratio | 11.7014% | 6,355 |
| Memoranda: | ||
| Average total assets | $298,976,500 | 2,274 |
| Average earning assets | $275,107,500 | 2,264 |
| Average equity | $25,689,000 | 2,595 |
| Average total loans | $259,213,000 | 1,909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7629% | 1,812 |
| Cost of funding earning assets | 2.8838% | 2,336 |
| Net interest margin | 3.8791% | 3,662 |
| Noninterest income to average assets | 0.4277% | 5,230 |
| Noninterest expense to average assets | 2.7769% | 4,919 |
| Loan and lease loss provision to assets | 0.6555% | 2,219 |
| Net operating income to assets | 0.4157% | 5,090 |
| Return on assets (ROA) | 0.4173% | 4,897 |
| Pretax return on assets | 0.5630% | 4,802 |
| Return on Equity (ROE) | 4.7054% | 4,513 |
| Retained earnings to average equity (ytd only) | 0.6078% | 4,876 |
| Net charge-offs to loans | 0.1606% | 4,588 |
| Credit loss provision to net charge-offs | 476.0101% | 924 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,812 |
| Efficiency ratio | 69.5141% | 4,446 |
| Assets per employee ($millions) | 3.0411% | 5,951 |
| Cash dividends to net income (ytd only)* | 87.0833% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 2,818 |
| Loan loss allowance to noncurrent loans | 64.0847% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.4622% | 1,971 |
| Noncurrent loans to loans | 2.2982% | 2,410 |
| Net loans and leases to total assets | 85.7464% | 632 |
| Net loans and leases to deposits | 95.3871% | 2,547 |
| Net loans and leases to core deposits | 126.2220% | 2,145 |
| Total domestic deposits to total assets | 89.8931% | 693 |
| Equity capital to assets | 8.6635% | 5,858 |
| Core capital (leverage) ratio | 9.2140% | 4,420 |
| Tier 1 risk-based capital ratio | 10.4707% | 6,235 |
| Total risk-based capital ratio | 11.7234% | 6,116 |
| Memoranda: | ||
| Average total assets | $287,586,800 | 2,271 |
| Average earning assets | $264,340,800 | 2,256 |
| Average equity | $25,502,800 | 2,600 |
| Average total loans | $246,563,000 | 1,927 |