Home > Bank of Commerce & Trust Co. > Performance and Condition Ratios
Bank of Commerce & Trust Co., 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 | 2.4887% | 4,561 |
| Cost of funding earning assets | 0.5367% | 4,159 |
| Net interest margin | 1.9520% | 4,425 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 2.1299% | 3,323 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0777% | 1,977 |
| Return on assets (ROA) | 0.4474% | 3,776 |
| Pretax return on assets | 0.5464% | 3,732 |
| Return on Equity (ROE) | 13.7300% | 1,550 |
| Retained earnings to average equity (ytd only) | 9.4030% | 1,155 |
| Net charge-offs to loans | -0.1308% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6628% | 2,877 |
| Assets per employee ($millions) | 5.6355% | 3,121 |
| Cash dividends to net income (ytd only)* | 31.4937% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 4,064 |
| Loan loss allowance to noncurrent loans | 336.5854% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,212 |
| Noncurrent loans to loans | 0.2210% | 2,433 |
| Net loans and leases to total assets | 25.1400% | 4,363 |
| Net loans and leases to deposits | 27.1610% | 4,384 |
| Net loans and leases to core deposits | 28.4398% | 4,411 |
| Total domestic deposits to total assets | 92.5500% | 223 |
| Equity capital to assets | 5.0111% | 4,411 |
| Core capital (leverage) ratio | 11.0176% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $372,591,000 | 2,106 |
| Average earning assets | $347,283,800 | 2,105 |
| Average equity | $12,145,000 | 3,511 |
| Average total loans | $87,933,600 | 3,321 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4112% | 4,584 |
| Cost of funding earning assets | 0.4621% | 4,187 |
| Net interest margin | 1.9491% | 4,458 |
| Noninterest income to average assets | 1.9000% | 298 |
| Noninterest expense to average assets | 2.0475% | 3,477 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3294% | 1,475 |
| Return on assets (ROA) | 1.2265% | 1,708 |
| Pretax return on assets | 1.5326% | 1,500 |
| Return on Equity (ROE) | 43.3300% | 102 |
| Retained earnings to average equity (ytd only) | 43.3262% | 46 |
| Net charge-offs to loans | -0.1768% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.0278% | 3,485 |
| Assets per employee ($millions) | 5.5263% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,029 |
| Loan loss allowance to noncurrent loans | 552.0000% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,457 |
| Noncurrent loans to loans | 0.1401% | 2,849 |
| Net loans and leases to total assets | 24.6500% | 4,389 |
| Net loans and leases to deposits | 28.0791% | 4,402 |
| Net loans and leases to core deposits | 29.4011% | 4,392 |
| Total domestic deposits to total assets | 87.7900% | 1,647 |
| Equity capital to assets | 3.1581% | 4,478 |
| Core capital (leverage) ratio | 11.3324% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $374,162,000 | 2,108 |
| Average earning assets | $349,411,000 | 2,100 |
| Average equity | $10,592,250 | 3,663 |
| Average total loans | $86,723,750 | 3,337 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3534% | 4,620 |
| Cost of funding earning assets | 0.2940% | 4,323 |
| Net interest margin | 2.0594% | 4,475 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.8373% | 3,934 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3634% | 4,069 |
| Return on assets (ROA) | 0.3634% | 4,087 |
| Pretax return on assets | 0.4399% | 4,058 |
| Return on Equity (ROE) | 13.3200% | 1,836 |
| Retained earnings to average equity (ytd only) | 13.3247% | 764 |
| Net charge-offs to loans | -0.1327% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.0506% | 838 |
| Assets per employee ($millions) | 5.4764% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7165% | 4,157 |
| Loan loss allowance to noncurrent loans | 497.6378% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,438 |
| Noncurrent loans to loans | 0.1440% | 2,747 |
| Net loans and leases to total assets | 23.8700% | 4,423 |
| Net loans and leases to deposits | 26.6559% | 4,433 |
| Net loans and leases to core deposits | 27.5728% | 4,426 |
| Total domestic deposits to total assets | 89.5400% | 1,072 |
| Equity capital to assets | 2.8889% | 4,570 |
| Core capital (leverage) ratio | 10.4459% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $379,147,000 | 2,081 |
| Average earning assets | $354,470,333 | 2,071 |
| Average equity | $10,341,667 | 3,698 |
| Average total loans | $85,886,333 | 3,351 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3039% | 4,647 |
| Cost of funding earning assets | 0.2155% | 4,350 |
| Net interest margin | 2.0884% | 4,537 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.8118% | 4,009 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4402% | 4,019 |
| Return on assets (ROA) | 0.4402% | 3,972 |
| Pretax return on assets | 0.5389% | 3,934 |
| Return on Equity (ROE) | 16.6100% | 1,241 |
| Retained earnings to average equity (ytd only) | 16.6071% | 628 |
| Net charge-offs to loans | -0.3399% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.6359% | 1,115 |
| Assets per employee ($millions) | 5.7357% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 3,995 |
| Loan loss allowance to noncurrent loans | 546.9231% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,438 |
| Noncurrent loans to loans | 0.1550% | 2,713 |
| Net loans and leases to total assets | 21.9700% | 4,497 |
| Net loans and leases to deposits | 23.5432% | 4,513 |
| Net loans and leases to core deposits | 24.2416% | 4,504 |
| Total domestic deposits to total assets | 93.3000% | 256 |
| Equity capital to assets | 3.0106% | 4,599 |
| Core capital (leverage) ratio | 10.2218% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $385,259,500 | 2,083 |
| Average earning assets | $360,082,000 | 2,070 |
| Average equity | $10,212,500 | 3,759 |
| Average total loans | $84,727,000 | 3,407 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0145% | 4,606 |
| Cost of funding earning assets | 0.1420% | 4,165 |
| Net interest margin | 1.8725% | 4,587 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.7351% | 4,114 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2832% | 4,379 |
| Return on assets (ROA) | 0.2832% | 4,352 |
| Pretax return on assets | 0.3353% | 4,345 |
| Return on Equity (ROE) | 6.1600% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.1998% | 3,666 |
| Net charge-offs to loans | 0.0037% | 2,326 |
| Credit loss provision to net charge-offs | 1,233.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 443.6667% | 363 |
| Efficiency ratio | 83.4205% | 516 |
| Assets per employee ($millions) | 5.8502% | 2,902 |
| Cash dividends to net income (ytd only)* | 48.0329% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,140 |
| Loan loss allowance to noncurrent loans | 495.3488% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,480 |
| Noncurrent loans to loans | 0.1507% | 2,748 |
| Net loans and leases to total assets | 21.6700% | 4,534 |
| Net loans and leases to deposits | 22.7461% | 4,550 |
| Net loans and leases to core deposits | 23.3592% | 4,544 |
| Total domestic deposits to total assets | 95.2800% | 121 |
| Equity capital to assets | 2.3033% | 4,635 |
| Core capital (leverage) ratio | 10.0306% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $385,966,000 | 2,079 |
| Average earning assets | $364,106,600 | 2,051 |
| Average equity | $17,751,000 | 3,145 |
| Average total loans | $82,050,800 | 3,386 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9351% | 4,622 |
| Cost of funding earning assets | 0.1419% | 3,922 |
| Net interest margin | 1.7932% | 4,604 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.7076% | 4,139 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.2486% | 4,432 |
| Return on assets (ROA) | 0.2486% | 4,397 |
| Pretax return on assets | 0.2923% | 4,380 |
| Return on Equity (ROE) | 4.8000% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.7962% | 3,164 |
| Net charge-offs to loans | 0.0049% | 1,998 |
| Credit loss provision to net charge-offs | 1,266.6667% | 344 |
| Earnings coverage of net charge-offs (x) | 293.6667% | 479 |
| Efficiency ratio | 84.8234% | 504 |
| Assets per employee ($millions) | 5.6164% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 4,178 |
| Loan loss allowance to noncurrent loans | 474.0741% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,555 |
| Noncurrent loans to loans | 0.1591% | 2,813 |
| Net loans and leases to total assets | 22.3800% | 4,566 |
| Net loans and leases to deposits | 23.4946% | 4,585 |
| Net loans and leases to core deposits | 24.2058% | 4,577 |
| Total domestic deposits to total assets | 95.2500% | 190 |
| Equity capital to assets | 1.9266% | 4,662 |
| Core capital (leverage) ratio | 10.2172% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $384,467,000 | 2,103 |
| Average earning assets | $363,588,750 | 2,074 |
| Average equity | $19,931,750 | 3,006 |
| Average total loans | $81,166,000 | 3,408 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7879% | 4,667 |
| Cost of funding earning assets | 0.1406% | 3,704 |
| Net interest margin | 1.6473% | 4,665 |
| Noninterest income to average assets | 0.3306% | 3,181 |
| Noninterest expense to average assets | 1.6746% | 4,173 |
| Loan and lease loss provision to assets | 0.0129% | 2,363 |
| Net operating income to assets | 0.1844% | 4,441 |
| Return on assets (ROA) | 0.1844% | 4,403 |
| Pretax return on assets | 0.2107% | 4,398 |
| Return on Equity (ROE) | 2.9554% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.9554% | 3,460 |
| Net charge-offs to loans | -0.0425% | 4,171 |
| Credit loss provision to net charge-offs | -147.0588% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2177% | 483 |
| Assets per employee ($millions) | 5.6255% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 4,265 |
| Loan loss allowance to noncurrent loans | 25.7872% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 837 |
| Noncurrent loans to loans | 2.8962% | 176 |
| Net loans and leases to total assets | 22.4779% | 4,622 |
| Net loans and leases to deposits | 24.3205% | 4,636 |
| Net loans and leases to core deposits | 25.0600% | 4,634 |
| Total domestic deposits to total assets | 92.4234% | 686 |
| Equity capital to assets | 4.2862% | 4,591 |
| Core capital (leverage) ratio | 10.0198% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,189,000 | 2,104 |
| Average earning assets | $368,477,333 | 2,070 |
| Average equity | $24,159,000 | 2,733 |
| Average total loans | $79,938,333 | 3,457 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6999% | 4,682 |
| Cost of funding earning assets | 0.1409% | 3,617 |
| Net interest margin | 1.5590% | 4,685 |
| Noninterest income to average assets | 0.3286% | 3,135 |
| Noninterest expense to average assets | 1.6441% | 4,223 |
| Loan and lease loss provision to assets | 0.0133% | 2,106 |
| Net operating income to assets | 0.1407% | 4,418 |
| Return on assets (ROA) | 0.1407% | 4,386 |
| Pretax return on assets | 0.1592% | 4,379 |
| Return on Equity (ROE) | 1.9543% | 4,265 |
| Retained earnings to average equity (ytd only) | 1.9543% | 3,557 |
| Net charge-offs to loans | -0.1045% | 4,469 |
| Credit loss provision to net charge-offs | -65.0000% | 2,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5031% | 524 |
| Assets per employee ($millions) | 5.6453% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 4,195 |
| Loan loss allowance to noncurrent loans | 26.4730% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 938 |
| Noncurrent loans to loans | 3.1380% | 162 |
| Net loans and leases to total assets | 20.1363% | 4,668 |
| Net loans and leases to deposits | 22.1163% | 4,678 |
| Net loans and leases to core deposits | 22.8023% | 4,677 |
| Total domestic deposits to total assets | 91.0471% | 1,011 |
| Equity capital to assets | 5.7110% | 4,636 |
| Core capital (leverage) ratio | 10.3325% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,517,500 | 2,099 |
| Average earning assets | $371,786,500 | 2,063 |
| Average equity | $28,040,500 | 2,605 |
| Average total loans | $76,591,500 | 3,516 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7489% | 4,725 |
| Cost of funding earning assets | 0.1621% | 3,847 |
| Net interest margin | 1.5869% | 4,712 |
| Noninterest income to average assets | 0.3115% | 3,541 |
| Noninterest expense to average assets | 1.5989% | 4,424 |
| Loan and lease loss provision to assets | 0.0127% | 2,829 |
| Net operating income to assets | 0.1925% | 4,545 |
| Return on assets (ROA) | 0.1925% | 4,562 |
| Pretax return on assets | 0.2248% | 4,549 |
| Return on Equity (ROE) | 2.0673% | 4,491 |
| Retained earnings to average equity (ytd only) | 0.6298% | 4,346 |
| Net charge-offs to loans | 0.0292% | 1,655 |
| Credit loss provision to net charge-offs | 217.3913% | 1,261 |
| Earnings coverage of net charge-offs (x) | 40.5217% | 1,431 |
| Efficiency ratio | 87.0627% | 423 |
| Assets per employee ($millions) | 5.7257% | 3,025 |
| Cash dividends to net income (ytd only)* | 69.5364% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 4,278 |
| Loan loss allowance to noncurrent loans | 24.5835% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 1,071 |
| Noncurrent loans to loans | 3.2219% | 170 |
| Net loans and leases to total assets | 18.9066% | 4,728 |
| Net loans and leases to deposits | 21.3323% | 4,733 |
| Net loans and leases to core deposits | 21.9363% | 4,731 |
| Total domestic deposits to total assets | 88.6288% | 1,713 |
| Equity capital to assets | 8.6028% | 3,990 |
| Core capital (leverage) ratio | 10.2522% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,279,200 | 2,019 |
| Average earning assets | $376,972,000 | 1,983 |
| Average equity | $36,521,600 | 2,225 |
| Average total loans | $78,825,000 | 3,504 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7571% | 4,808 |
| Cost of funding earning assets | 0.1693% | 3,927 |
| Net interest margin | 1.5877% | 4,791 |
| Noninterest income to average assets | 0.3052% | 3,609 |
| Noninterest expense to average assets | 1.5765% | 4,491 |
| Loan and lease loss provision to assets | 0.0172% | 2,665 |
| Net operating income to assets | 0.2003% | 4,626 |
| Return on assets (ROA) | 0.2003% | 4,649 |
| Pretax return on assets | 0.2368% | 4,643 |
| Return on Equity (ROE) | 2.1098% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.1098% | 4,162 |
| Net charge-offs to loans | 0.0420% | 1,260 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 29.7200% | 1,528 |
| Efficiency ratio | 86.1277% | 429 |
| Assets per employee ($millions) | 5.4689% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 4,350 |
| Loan loss allowance to noncurrent loans | 24.2461% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 1,082 |
| Noncurrent loans to loans | 3.2953% | 179 |
| Net loans and leases to total assets | 19.2815% | 4,805 |
| Net loans and leases to deposits | 22.0683% | 4,809 |
| Net loans and leases to core deposits | 22.7253% | 4,807 |
| Total domestic deposits to total assets | 87.3717% | 2,172 |
| Equity capital to assets | 9.5113% | 3,352 |
| Core capital (leverage) ratio | 10.6740% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,148,500 | 2,042 |
| Average earning assets | $374,784,000 | 2,007 |
| Average equity | $37,032,000 | 2,229 |
| Average total loans | $79,435,500 | 3,537 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6804% | 4,855 |
| Cost of funding earning assets | 0.1784% | 3,967 |
| Net interest margin | 1.5020% | 4,842 |
| Noninterest income to average assets | 0.2994% | 3,637 |
| Noninterest expense to average assets | 1.5810% | 4,533 |
| Loan and lease loss provision to assets | 0.0256% | 2,462 |
| Net operating income to assets | 0.1233% | 4,691 |
| Return on assets (ROA) | 0.1233% | 4,710 |
| Pretax return on assets | 0.1367% | 4,709 |
| Return on Equity (ROE) | 1.3004% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.3004% | 4,277 |
| Net charge-offs to loans | 0.0570% | 1,045 |
| Credit loss provision to net charge-offs | 217.3913% | 1,016 |
| Earnings coverage of net charge-offs (x) | 13.7826% | 1,683 |
| Efficiency ratio | 90.6929% | 319 |
| Assets per employee ($millions) | 5.4538% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,433 |
| Loan loss allowance to noncurrent loans | 20.7405% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,006 |
| Noncurrent loans to loans | 3.6738% | 169 |
| Net loans and leases to total assets | 20.3490% | 4,831 |
| Net loans and leases to deposits | 23.3087% | 4,836 |
| Net loans and leases to core deposits | 24.0982% | 4,837 |
| Total domestic deposits to total assets | 87.3021% | 2,169 |
| Equity capital to assets | 9.4511% | 3,378 |
| Core capital (leverage) ratio | 10.3627% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,766,333 | 2,035 |
| Average earning assets | $375,634,667 | 1,995 |
| Average equity | $37,065,333 | 2,210 |
| Average total loans | $80,756,667 | 3,535 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6621% | 4,888 |
| Cost of funding earning assets | 0.1907% | 4,001 |
| Net interest margin | 1.4714% | 4,878 |
| Noninterest income to average assets | 0.2986% | 3,620 |
| Noninterest expense to average assets | 1.5407% | 4,611 |
| Loan and lease loss provision to assets | 0.0255% | 2,450 |
| Net operating income to assets | 0.1315% | 4,684 |
| Return on assets (ROA) | 0.1315% | 4,706 |
| Pretax return on assets | 0.1478% | 4,705 |
| Return on Equity (ROE) | 1.3834% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.3834% | 4,148 |
| Net charge-offs to loans | -0.0246% | 4,094 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8930% | 373 |
| Assets per employee ($millions) | 5.4915% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,467 |
| Loan loss allowance to noncurrent loans | 18.9822% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 1,068 |
| Noncurrent loans to loans | 4.0254% | 136 |
| Net loans and leases to total assets | 20.5414% | 4,849 |
| Net loans and leases to deposits | 23.5815% | 4,858 |
| Net loans and leases to core deposits | 24.3590% | 4,861 |
| Total domestic deposits to total assets | 87.1081% | 2,276 |
| Equity capital to assets | 9.2959% | 3,393 |
| Core capital (leverage) ratio | 10.5357% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,538,000 | 2,021 |
| Average earning assets | $377,597,500 | 1,978 |
| Average equity | $37,299,500 | 2,191 |
| Average total loans | $81,434,500 | 3,535 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1790% | 4,899 |
| Cost of funding earning assets | 0.2527% | 4,361 |
| Net interest margin | 1.9263% | 4,852 |
| Noninterest income to average assets | 0.3240% | 3,522 |
| Noninterest expense to average assets | 1.8334% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2791% | 4,464 |
| Return on assets (ROA) | 0.2791% | 4,529 |
| Pretax return on assets | 0.3360% | 4,506 |
| Return on Equity (ROE) | 2.5491% | 4,473 |
| Retained earnings to average equity (ytd only) | -0.1382% | 4,540 |
| Net charge-offs to loans | 0.0267% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 52.1304% | 1,161 |
| Efficiency ratio | 84.5110% | 594 |
| Assets per employee ($millions) | 5.6423% | 2,694 |
| Cash dividends to net income (ytd only)* | 105.4217% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,098 |
| Loan loss allowance to noncurrent loans | 21.5496% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 1,105 |
| Noncurrent loans to loans | 4.3127% | 120 |
| Net loans and leases to total assets | 20.6491% | 4,877 |
| Net loans and leases to deposits | 23.7581% | 4,887 |
| Net loans and leases to core deposits | 24.4718% | 4,886 |
| Total domestic deposits to total assets | 86.9138% | 1,980 |
| Equity capital to assets | 9.6976% | 3,412 |
| Core capital (leverage) ratio | 10.6969% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,827,600 | 2,015 |
| Average earning assets | $341,851,800 | 1,973 |
| Average equity | $39,073,200 | 2,050 |
| Average total loans | $86,184,200 | 3,466 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2493% | 4,940 |
| Cost of funding earning assets | 0.2679% | 4,441 |
| Net interest margin | 1.9815% | 4,889 |
| Noninterest income to average assets | 0.3334% | 3,482 |
| Noninterest expense to average assets | 1.8206% | 4,458 |
| Loan and lease loss provision to assets | 0.0772% | 3,355 |
| Net operating income to assets | 0.2802% | 4,474 |
| Return on assets (ROA) | 0.2802% | 4,522 |
| Pretax return on assets | 0.3292% | 4,518 |
| Return on Equity (ROE) | 2.4772% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.4772% | 3,753 |
| Net charge-offs to loans | 0.0230% | 2,388 |
| Credit loss provision to net charge-offs | 1,333.3333% | 678 |
| Earnings coverage of net charge-offs (x) | 70.2667% | 991 |
| Efficiency ratio | 81.7552% | 740 |
| Assets per employee ($millions) | 5.0347% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,208 |
| Loan loss allowance to noncurrent loans | 27.4554% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 1,110 |
| Noncurrent loans to loans | 4.0095% | 164 |
| Net loans and leases to total assets | 24.7306% | 4,889 |
| Net loans and leases to deposits | 29.4380% | 4,896 |
| Net loans and leases to core deposits | 30.4381% | 4,899 |
| Total domestic deposits to total assets | 84.0090% | 2,819 |
| Equity capital to assets | 11.0484% | 2,363 |
| Core capital (leverage) ratio | 11.6014% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,883,500 | 2,046 |
| Average earning assets | $330,521,500 | 2,004 |
| Average equity | $39,129,250 | 2,041 |
| Average total loans | $86,856,000 | 3,471 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3646% | 4,987 |
| Cost of funding earning assets | 0.2784% | 4,541 |
| Net interest margin | 2.0862% | 4,922 |
| Noninterest income to average assets | 0.3292% | 3,500 |
| Noninterest expense to average assets | 1.8133% | 4,542 |
| Loan and lease loss provision to assets | 0.0877% | 3,184 |
| Net operating income to assets | 0.3514% | 4,331 |
| Return on assets (ROA) | 0.3514% | 4,384 |
| Pretax return on assets | 0.4175% | 4,388 |
| Return on Equity (ROE) | 3.0814% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.0814% | 3,347 |
| Net charge-offs to loans | 0.0209% | 2,305 |
| Credit loss provision to net charge-offs | 1,666.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 714 |
| Efficiency ratio | 78.2093% | 1,032 |
| Assets per employee ($millions) | 5.1685% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,474 |
| Loan loss allowance to noncurrent loans | 22.6834% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 950 |
| Noncurrent loans to loans | 4.4945% | 134 |
| Net loans and leases to total assets | 25.5899% | 4,917 |
| Net loans and leases to deposits | 30.6801% | 4,922 |
| Net loans and leases to core deposits | 31.7027% | 4,921 |
| Total domestic deposits to total assets | 83.4088% | 2,959 |
| Equity capital to assets | 11.0950% | 2,256 |
| Core capital (leverage) ratio | 11.8248% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,023,333 | 2,035 |
| Average earning assets | $326,149,333 | 1,992 |
| Average equity | $39,007,667 | 2,038 |
| Average total loans | $86,012,333 | 3,480 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5720% | 5,035 |
| Cost of funding earning assets | 0.2855% | 4,699 |
| Net interest margin | 2.2865% | 4,925 |
| Noninterest income to average assets | 0.3609% | 3,358 |
| Noninterest expense to average assets | 1.8212% | 4,641 |
| Loan and lease loss provision to assets | 0.0896% | 2,566 |
| Net operating income to assets | 0.5127% | 3,860 |
| Return on assets (ROA) | 0.5127% | 3,921 |
| Pretax return on assets | 0.6226% | 3,883 |
| Return on Equity (ROE) | 4.4310% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.4310% | 2,520 |
| Net charge-offs to loans | 0.0386% | 1,654 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 699 |
| Efficiency ratio | 71.8868% | 2,093 |
| Assets per employee ($millions) | 4.4909% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,315 |
| Loan loss allowance to noncurrent loans | 20.6880% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 926 |
| Noncurrent loans to loans | 5.2180% | 113 |
| Net loans and leases to total assets | 24.2059% | 4,974 |
| Net loans and leases to deposits | 28.5957% | 4,986 |
| Net loans and leases to core deposits | 29.6244% | 4,992 |
| Total domestic deposits to total assets | 84.6485% | 2,545 |
| Equity capital to assets | 12.0255% | 2,047 |
| Core capital (leverage) ratio | 12.5252% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,720,500 | 2,021 |
| Average earning assets | $318,045,000 | 1,984 |
| Average equity | $38,727,500 | 2,035 |
| Average total loans | $82,918,000 | 3,535 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 5,085 |
| Cost of funding earning assets | 0.2686% | 4,806 |
| Net interest margin | 2.5801% | 4,924 |
| Noninterest income to average assets | 0.3647% | 3,519 |
| Noninterest expense to average assets | 2.1003% | 4,370 |
| Loan and lease loss provision to assets | 0.0311% | 3,391 |
| Net operating income to assets | 0.5690% | 4,248 |
| Return on assets (ROA) | 0.5690% | 4,302 |
| Pretax return on assets | 0.6895% | 4,227 |
| Return on Equity (ROE) | 4.8847% | 4,240 |
| Retained earnings to average equity (ytd only) | 0.6737% | 4,497 |
| Net charge-offs to loans | 0.0664% | 2,139 |
| Credit loss provision to net charge-offs | 172.4138% | 1,505 |
| Earnings coverage of net charge-offs (x) | 39.8966% | 1,316 |
| Efficiency ratio | 74.4535% | 1,556 |
| Assets per employee ($millions) | 4.7444% | 2,903 |
| Cash dividends to net income (ytd only)* | 86.2069% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,826 |
| Loan loss allowance to noncurrent loans | 18.6074% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 900 |
| Noncurrent loans to loans | 5.0155% | 103 |
| Net loans and leases to total assets | 24.8288% | 5,031 |
| Net loans and leases to deposits | 28.9214% | 5,043 |
| Net loans and leases to core deposits | 29.7345% | 5,049 |
| Total domestic deposits to total assets | 85.8492% | 2,120 |
| Equity capital to assets | 11.1324% | 2,875 |
| Core capital (leverage) ratio | 12.8342% | 1,318 |
| Tier 1 risk-based capital ratio | 42.1691% | 211 |
| Total risk-based capital ratio | 43.0013% | 216 |
| Memoranda: | ||
| Average total assets | $321,098,200 | 2,033 |
| Average earning assets | $305,691,600 | 1,991 |
| Average equity | $37,402,800 | 2,036 |
| Average total loans | $87,286,400 | 3,461 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9149% | 5,167 |
| Cost of funding earning assets | 0.2691% | 4,877 |
| Net interest margin | 2.6458% | 4,972 |
| Noninterest income to average assets | 0.3692% | 3,501 |
| Noninterest expense to average assets | 2.0470% | 4,458 |
| Loan and lease loss provision to assets | 0.0949% | 2,017 |
| Net operating income to assets | 0.6165% | 4,256 |
| Return on assets (ROA) | 0.6165% | 4,301 |
| Pretax return on assets | 0.7456% | 4,249 |
| Return on Equity (ROE) | 5.2299% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.2299% | 2,772 |
| Net charge-offs to loans | 0.0821% | 1,652 |
| Credit loss provision to net charge-offs | 416.6667% | 729 |
| Earnings coverage of net charge-offs (x) | 36.8879% | 1,440 |
| Efficiency ratio | 70.8900% | 1,981 |
| Assets per employee ($millions) | 4.2102% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,384 |
| Loan loss allowance to noncurrent loans | 32.0663% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,416 |
| Noncurrent loans to loans | 3.2185% | 280 |
| Net loans and leases to total assets | 29.3568% | 5,060 |
| Net loans and leases to deposits | 35.0745% | 5,076 |
| Net loans and leases to core deposits | 36.1511% | 5,080 |
| Total domestic deposits to total assets | 83.6982% | 2,932 |
| Equity capital to assets | 12.9979% | 1,627 |
| Core capital (leverage) ratio | 13.3188% | 1,205 |
| Tier 1 risk-based capital ratio | 30.0379% | 480 |
| Total risk-based capital ratio | 30.7124% | 492 |
| Memoranda: | ||
| Average total assets | $315,973,000 | 2,070 |
| Average earning assets | $300,743,000 | 2,028 |
| Average equity | $37,246,500 | 2,051 |
| Average total loans | $87,704,500 | 3,495 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8517% | 5,238 |
| Cost of funding earning assets | 0.2466% | 4,966 |
| Net interest margin | 2.6052% | 5,072 |
| Noninterest income to average assets | 0.3578% | 3,537 |
| Noninterest expense to average assets | 2.0465% | 4,523 |
| Loan and lease loss provision to assets | 0.0937% | 1,978 |
| Net operating income to assets | 0.5795% | 4,358 |
| Return on assets (ROA) | 0.5795% | 4,398 |
| Pretax return on assets | 0.6988% | 4,333 |
| Return on Equity (ROE) | 5.0810% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.0810% | 2,729 |
| Net charge-offs to loans | 0.0575% | 1,822 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 50.7600% | 1,080 |
| Efficiency ratio | 72.0853% | 1,907 |
| Assets per employee ($millions) | 4.6269% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,676 |
| Loan loss allowance to noncurrent loans | 29.6471% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 1,492 |
| Noncurrent loans to loans | 3.3406% | 269 |
| Net loans and leases to total assets | 27.6185% | 5,131 |
| Net loans and leases to deposits | 32.6863% | 5,141 |
| Net loans and leases to core deposits | 33.6907% | 5,148 |
| Total domestic deposits to total assets | 84.4956% | 2,684 |
| Equity capital to assets | 12.1134% | 2,108 |
| Core capital (leverage) ratio | 12.9801% | 1,302 |
| Tier 1 risk-based capital ratio | 29.9728% | 483 |
| Total risk-based capital ratio | 30.6151% | 493 |
| Memoranda: | ||
| Average total assets | $320,253,000 | 2,045 |
| Average earning assets | $305,007,000 | 2,008 |
| Average equity | $36,528,330 | 2,080 |
| Average total loans | $86,966,670 | 3,527 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8301% | 5,306 |
| Cost of funding earning assets | 0.2097% | 5,097 |
| Net interest margin | 2.6204% | 5,125 |
| Noninterest income to average assets | 0.3878% | 3,270 |
| Noninterest expense to average assets | 2.0290% | 4,591 |
| Loan and lease loss provision to assets | 0.0935% | 1,860 |
| Net operating income to assets | 0.6248% | 4,166 |
| Return on assets (ROA) | 0.6248% | 4,210 |
| Pretax return on assets | 0.7582% | 4,155 |
| Return on Equity (ROE) | 5.6521% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.6521% | 2,612 |
| Net charge-offs to loans | 0.0512% | 1,553 |
| Credit loss provision to net charge-offs | 681.8182% | 491 |
| Earnings coverage of net charge-offs (x) | 62.0909% | 901 |
| Efficiency ratio | 70.4329% | 2,273 |
| Assets per employee ($millions) | 4.5982% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,824 |
| Loan loss allowance to noncurrent loans | 30.1284% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 1,596 |
| Noncurrent loans to loans | 3.2516% | 302 |
| Net loans and leases to total assets | 26.1550% | 5,207 |
| Net loans and leases to deposits | 30.6383% | 5,212 |
| Net loans and leases to core deposits | 31.5747% | 5,217 |
| Total domestic deposits to total assets | 85.3669% | 2,536 |
| Equity capital to assets | 11.5468% | 2,357 |
| Core capital (leverage) ratio | 13.0599% | 1,244 |
| Tier 1 risk-based capital ratio | 30.3768% | 464 |
| Total risk-based capital ratio | 30.9891% | 477 |
| Memoranda: | ||
| Average total assets | $320,751,000 | 2,058 |
| Average earning assets | $305,145,500 | 2,022 |
| Average equity | $35,456,000 | 2,118 |
| Average total loans | $85,922,000 | 3,581 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7251% | 5,310 |
| Cost of funding earning assets | 0.1739% | 5,098 |
| Net interest margin | 2.5512% | 5,184 |
| Noninterest income to average assets | 0.3890% | 3,504 |
| Noninterest expense to average assets | 2.0241% | 4,712 |
| Loan and lease loss provision to assets | 0.0938% | 2,272 |
| Net operating income to assets | 0.5766% | 4,482 |
| Return on assets (ROA) | 0.5766% | 4,485 |
| Pretax return on assets | 0.6889% | 4,439 |
| Return on Equity (ROE) | 5.3554% | 4,366 |
| Retained earnings to average equity (ytd only) | 0.7812% | 4,778 |
| Net charge-offs to loans | 0.2108% | 910 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 13.9056% | 2,412 |
| Efficiency ratio | 72.1145% | 1,877 |
| Assets per employee ($millions) | 4.7681% | 2,788 |
| Cash dividends to net income (ytd only)* | 85.4121% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,330 |
| Loan loss allowance to noncurrent loans | 27.3779% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 1,587 |
| Noncurrent loans to loans | 3.1406% | 314 |
| Net loans and leases to total assets | 26.9203% | 5,246 |
| Net loans and leases to deposits | 31.3992% | 5,253 |
| Net loans and leases to core deposits | 32.2135% | 5,258 |
| Total domestic deposits to total assets | 85.7353% | 2,350 |
| Equity capital to assets | 10.5731% | 3,104 |
| Core capital (leverage) ratio | 12.8643% | 1,302 |
| Tier 1 risk-based capital ratio | 29.7830% | 476 |
| Total risk-based capital ratio | 30.3433% | 497 |
| Memoranda: | ||
| Average total assets | $319,804,200 | 2,044 |
| Average earning assets | $303,073,000 | 2,006 |
| Average equity | $34,432,800 | 2,094 |
| Average total loans | $85,374,400 | 3,563 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7266% | 5,370 |
| Cost of funding earning assets | 0.1724% | 5,133 |
| Net interest margin | 2.5542% | 5,247 |
| Noninterest income to average assets | 0.3887% | 3,546 |
| Noninterest expense to average assets | 1.9495% | 4,824 |
| Loan and lease loss provision to assets | 0.0941% | 2,095 |
| Net operating income to assets | 0.6342% | 4,411 |
| Return on assets (ROA) | 0.6342% | 4,419 |
| Pretax return on assets | 0.7627% | 4,394 |
| Return on Equity (ROE) | 5.8638% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.8638% | 2,724 |
| Net charge-offs to loans | 0.2534% | 669 |
| Credit loss provision to net charge-offs | 139.7516% | 1,810 |
| Earnings coverage of net charge-offs (x) | 12.7206% | 2,430 |
| Efficiency ratio | 69.4693% | 2,274 |
| Assets per employee ($millions) | 4.3708% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,641 |
| Loan loss allowance to noncurrent loans | 25.7364% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 1,592 |
| Noncurrent loans to loans | 3.0857% | 346 |
| Net loans and leases to total assets | 28.9536% | 5,293 |
| Net loans and leases to deposits | 33.7261% | 5,305 |
| Net loans and leases to core deposits | 34.6314% | 5,314 |
| Total domestic deposits to total assets | 85.8491% | 2,259 |
| Equity capital to assets | 11.3954% | 2,335 |
| Core capital (leverage) ratio | 14.0550% | 923 |
| Tier 1 risk-based capital ratio | 29.6853% | 493 |
| Total risk-based capital ratio | 30.1856% | 515 |
| Memoranda: | ||
| Average total assets | $318,698,250 | 2,063 |
| Average earning assets | $301,663,750 | 2,025 |
| Average equity | $34,470,750 | 2,101 |
| Average total loans | $84,708,000 | 3,608 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6527% | 5,444 |
| Cost of funding earning assets | 0.1646% | 5,178 |
| Net interest margin | 2.4881% | 5,352 |
| Noninterest income to average assets | 0.3822% | 3,606 |
| Noninterest expense to average assets | 1.8767% | 4,992 |
| Loan and lease loss provision to assets | 0.0925% | 2,065 |
| Net operating income to assets | 0.6461% | 4,359 |
| Return on assets (ROA) | 0.6461% | 4,364 |
| Pretax return on assets | 0.7706% | 4,336 |
| Return on Equity (ROE) | 6.0744% | 4,205 |
| Retained earnings to average equity (ytd only) | 6.0744% | 2,513 |
| Net charge-offs to loans | 0.3086% | 517 |
| Credit loss provision to net charge-offs | 116.2791% | 1,828 |
| Earnings coverage of net charge-offs (x) | 10.8527% | 2,306 |
| Efficiency ratio | 68.4968% | 2,559 |
| Assets per employee ($millions) | 4.6620% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,802 |
| Loan loss allowance to noncurrent loans | 24.8958% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 1,796 |
| Noncurrent loans to loans | 3.0677% | 363 |
| Net loans and leases to total assets | 26.9281% | 5,373 |
| Net loans and leases to deposits | 31.1964% | 5,384 |
| Net loans and leases to core deposits | 32.6776% | 5,382 |
| Total domestic deposits to total assets | 86.3181% | 2,130 |
| Equity capital to assets | 10.8360% | 2,800 |
| Core capital (leverage) ratio | 12.6725% | 1,356 |
| Tier 1 risk-based capital ratio | 28.7721% | 530 |
| Total risk-based capital ratio | 29.2330% | 553 |
| Memoranda: | ||
| Average total assets | $324,402,330 | 2,038 |
| Average earning assets | $307,383,000 | 2,006 |
| Average equity | $34,505,330 | 2,106 |
| Average total loans | $83,604,330 | 3,647 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6045% | 5,511 |
| Cost of funding earning assets | 0.1559% | 5,240 |
| Net interest margin | 2.4486% | 5,424 |
| Noninterest income to average assets | 0.3731% | 3,645 |
| Noninterest expense to average assets | 1.8422% | 5,114 |
| Loan and lease loss provision to assets | 0.0914% | 1,982 |
| Net operating income to assets | 0.6291% | 4,339 |
| Return on assets (ROA) | 0.6291% | 4,349 |
| Pretax return on assets | 0.7559% | 4,273 |
| Return on Equity (ROE) | 5.9684% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9684% | 2,719 |
| Net charge-offs to loans | 0.2282% | 660 |
| Credit loss provision to net charge-offs | 159.5745% | 1,192 |
| Earnings coverage of net charge-offs (x) | 14.7872% | 1,693 |
| Efficiency ratio | 68.4950% | 2,751 |
| Assets per employee ($millions) | 4.5442% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,699 |
| Loan loss allowance to noncurrent loans | 24.1555% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 1,828 |
| Noncurrent loans to loans | 3.4435% | 307 |
| Net loans and leases to total assets | 24.9243% | 5,448 |
| Net loans and leases to deposits | 28.8182% | 5,462 |
| Net loans and leases to core deposits | 30.1163% | 5,462 |
| Total domestic deposits to total assets | 86.4881% | 2,323 |
| Equity capital to assets | 10.7277% | 2,845 |
| Core capital (leverage) ratio | 12.3981% | 1,433 |
| Tier 1 risk-based capital ratio | 30.3573% | 459 |
| Total risk-based capital ratio | 30.8561% | 479 |
| Memoranda: | ||
| Average total assets | $328,094,500 | 2,028 |
| Average earning assets | $310,385,000 | 1,999 |
| Average equity | $34,582,000 | 2,120 |
| Average total loans | $82,394,500 | 3,702 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6939% | 5,497 |
| Cost of funding earning assets | 0.1847% | 5,061 |
| Net interest margin | 2.5092% | 5,404 |
| Noninterest income to average assets | 0.3781% | 3,772 |
| Noninterest expense to average assets | 1.8089% | 5,235 |
| Loan and lease loss provision to assets | 0.0989% | 2,250 |
| Net operating income to assets | 0.7199% | 3,519 |
| Return on assets (ROA) | 0.7199% | 3,564 |
| Pretax return on assets | 0.8550% | 4,072 |
| Return on Equity (ROE) | 6.6502% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.2915% | 3,946 |
| Net charge-offs to loans | 0.7368% | 285 |
| Credit loss provision to net charge-offs | 51.0046% | 3,318 |
| Earnings coverage of net charge-offs (x) | 4.9212% | 3,399 |
| Efficiency ratio | 65.4739% | 3,343 |
| Assets per employee ($millions) | 4.9005% | 2,601 |
| Cash dividends to net income (ytd only)* | 65.5431% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,953 |
| Loan loss allowance to noncurrent loans | 70.1213% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,812 |
| Noncurrent loans to loans | 1.0690% | 1,667 |
| Net loans and leases to total assets | 24.9032% | 5,517 |
| Net loans and leases to deposits | 28.6221% | 5,533 |
| Net loans and leases to core deposits | 29.4250% | 5,538 |
| Total domestic deposits to total assets | 87.0069% | 1,993 |
| Equity capital to assets | 10.3731% | 3,307 |
| Core capital (leverage) ratio | 12.1727% | 1,516 |
| Tier 1 risk-based capital ratio | 28.5411% | 514 |
| Total risk-based capital ratio | 28.9948% | 541 |
| Memoranda: | ||
| Average total assets | $333,802,600 | 1,987 |
| Average earning assets | $317,236,200 | 1,952 |
| Average equity | $36,134,200 | 2,016 |
| Average total loans | $87,817,200 | 3,566 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7155% | 5,556 |
| Cost of funding earning assets | 0.1892% | 5,058 |
| Net interest margin | 2.5263% | 5,455 |
| Noninterest income to average assets | 0.3839% | 3,788 |
| Noninterest expense to average assets | 1.7780% | 5,297 |
| Loan and lease loss provision to assets | 0.1403% | 1,515 |
| Net operating income to assets | 0.6203% | 4,313 |
| Return on assets (ROA) | 0.6203% | 4,358 |
| Pretax return on assets | 0.8736% | 4,129 |
| Return on Equity (ROE) | 5.6703% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.6703% | 2,450 |
| Net charge-offs to loans | 0.3433% | 611 |
| Credit loss provision to net charge-offs | 153.5088% | 1,661 |
| Earnings coverage of net charge-offs (x) | 11.0966% | 2,529 |
| Efficiency ratio | 63.6859% | 3,611 |
| Assets per employee ($millions) | 4.6422% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,027 |
| Loan loss allowance to noncurrent loans | 132.5524% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 4,047 |
| Noncurrent loans to loans | 0.8926% | 2,145 |
| Net loans and leases to total assets | 28.0293% | 5,534 |
| Net loans and leases to deposits | 32.8644% | 5,549 |
| Net loans and leases to core deposits | 33.8232% | 5,555 |
| Total domestic deposits to total assets | 85.2876% | 2,603 |
| Equity capital to assets | 11.7756% | 2,128 |
| Core capital (leverage) ratio | 12.4692% | 1,426 |
| Tier 1 risk-based capital ratio | 28.2394% | 550 |
| Total risk-based capital ratio | 28.9848% | 572 |
| Memoranda: | ||
| Average total assets | $332,720,000 | 2,004 |
| Average earning assets | $317,139,250 | 1,964 |
| Average equity | $36,399,000 | 2,014 |
| Average total loans | $88,561,000 | 3,586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6594% | 5,606 |
| Cost of funding earning assets | 0.1799% | 5,139 |
| Net interest margin | 2.4794% | 5,519 |
| Noninterest income to average assets | 0.3841% | 3,798 |
| Noninterest expense to average assets | 1.7598% | 5,356 |
| Loan and lease loss provision to assets | 0.1187% | 1,729 |
| Net operating income to assets | 0.6175% | 4,225 |
| Return on assets (ROA) | 0.6175% | 4,269 |
| Pretax return on assets | 0.8698% | 4,037 |
| Return on Equity (ROE) | 5.7844% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.7844% | 2,236 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0311% | 3,662 |
| Assets per employee ($millions) | 4.6639% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,619 |
| Loan loss allowance to noncurrent loans | 145.7649% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,186 |
| Noncurrent loans to loans | 0.8651% | 2,248 |
| Net loans and leases to total assets | 27.2653% | 5,581 |
| Net loans and leases to deposits | 32.1647% | 5,601 |
| Net loans and leases to core deposits | 33.1401% | 5,612 |
| Total domestic deposits to total assets | 84.7678% | 2,900 |
| Equity capital to assets | 11.2386% | 2,554 |
| Core capital (leverage) ratio | 11.9657% | 1,649 |
| Tier 1 risk-based capital ratio | 26.7098% | 624 |
| Total risk-based capital ratio | 27.4756% | 640 |
| Memoranda: | ||
| Average total assets | $336,855,000 | 1,994 |
| Average earning assets | $321,205,000 | 1,948 |
| Average equity | $35,959,000 | 2,030 |
| Average total loans | $87,795,670 | 3,621 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6105% | 5,682 |
| Cost of funding earning assets | 0.1781% | 5,171 |
| Net interest margin | 2.4325% | 5,594 |
| Noninterest income to average assets | 0.3874% | 3,755 |
| Noninterest expense to average assets | 1.7038% | 5,473 |
| Loan and lease loss provision to assets | 0.0589% | 2,630 |
| Net operating income to assets | 0.6617% | 3,872 |
| Return on assets (ROA) | 0.6617% | 3,913 |
| Pretax return on assets | 0.9408% | 3,624 |
| Return on Equity (ROE) | 6.3627% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.3627% | 2,154 |
| Net charge-offs to loans | 0.0605% | 1,726 |
| Credit loss provision to net charge-offs | 384.6154% | 667 |
| Earnings coverage of net charge-offs (x) | 65.3077% | 757 |
| Efficiency ratio | 63.0226% | 3,987 |
| Assets per employee ($millions) | 4.6358% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,281 |
| Loan loss allowance to noncurrent loans | 99.4975% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 4,003 |
| Noncurrent loans to loans | 1.1814% | 1,715 |
| Net loans and leases to total assets | 24.9364% | 5,683 |
| Net loans and leases to deposits | 29.0971% | 5,690 |
| Net loans and leases to core deposits | 29.9618% | 5,693 |
| Total domestic deposits to total assets | 85.7008% | 2,795 |
| Equity capital to assets | 10.7750% | 2,884 |
| Core capital (leverage) ratio | 11.7992% | 1,756 |
| Tier 1 risk-based capital ratio | 27.8166% | 573 |
| Total risk-based capital ratio | 28.5096% | 596 |
| Memoranda: | ||
| Average total assets | $339,715,000 | 1,991 |
| Average earning assets | $323,457,000 | 1,949 |
| Average equity | $35,331,000 | 2,067 |
| Average total loans | $85,974,500 | 3,685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5627% | 5,738 |
| Cost of funding earning assets | 0.1904% | 5,104 |
| Net interest margin | 2.3723% | 5,666 |
| Noninterest income to average assets | 0.3654% | 4,133 |
| Noninterest expense to average assets | 1.7532% | 5,518 |
| Loan and lease loss provision to assets | 0.0147% | 4,081 |
| Net operating income to assets | 0.6159% | 4,141 |
| Return on assets (ROA) | 0.6159% | 4,257 |
| Pretax return on assets | 0.8688% | 3,949 |
| Return on Equity (ROE) | 5.5823% | 4,164 |
| Retained earnings to average equity (ytd only) | 1.3996% | 4,710 |
| Net charge-offs to loans | 0.1001% | 2,277 |
| Credit loss provision to net charge-offs | 58.1395% | 3,275 |
| Earnings coverage of net charge-offs (x) | 35.0581% | 1,298 |
| Efficiency ratio | 66.4926% | 3,511 |
| Assets per employee ($millions) | 4.8007% | 2,647 |
| Cash dividends to net income (ytd only)* | 74.9286% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,789 |
| Loan loss allowance to noncurrent loans | 134.7949% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 4,505 |
| Noncurrent loans to loans | 0.8059% | 2,503 |
| Net loans and leases to total assets | 25.1044% | 5,744 |
| Net loans and leases to deposits | 28.8563% | 5,749 |
| Net loans and leases to core deposits | 29.8472% | 5,751 |
| Total domestic deposits to total assets | 86.9978% | 2,146 |
| Equity capital to assets | 10.0382% | 3,685 |
| Core capital (leverage) ratio | 11.1234% | 2,234 |
| Tier 1 risk-based capital ratio | 26.6635% | 645 |
| Total risk-based capital ratio | 27.3380% | 673 |
| Memoranda: | ||
| Average total assets | $341,262,200 | 1,944 |
| Average earning assets | $326,724,800 | 1,887 |
| Average equity | $37,654,600 | 1,941 |
| Average total loans | $85,904,800 | 3,666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5591% | 5,804 |
| Cost of funding earning assets | 0.1916% | 5,158 |
| Net interest margin | 2.3674% | 5,736 |
| Noninterest income to average assets | 0.3653% | 4,165 |
| Noninterest expense to average assets | 1.7509% | 5,575 |
| Loan and lease loss provision to assets | 0.0196% | 3,853 |
| Net operating income to assets | 0.6154% | 4,229 |
| Return on assets (ROA) | 0.6154% | 4,348 |
| Pretax return on assets | 0.8658% | 4,096 |
| Return on Equity (ROE) | 5.4521% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4521% | 2,519 |
| Net charge-offs to loans | 0.1420% | 1,571 |
| Credit loss provision to net charge-offs | 54.9451% | 2,971 |
| Earnings coverage of net charge-offs (x) | 24.8242% | 1,654 |
| Efficiency ratio | 66.4139% | 3,519 |
| Assets per employee ($millions) | 4.7014% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 4,159 |
| Loan loss allowance to noncurrent loans | 146.6770% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 4,661 |
| Noncurrent loans to loans | 0.7120% | 2,902 |
| Net loans and leases to total assets | 26.9400% | 5,777 |
| Net loans and leases to deposits | 32.0882% | 5,785 |
| Net loans and leases to core deposits | 33.3468% | 5,788 |
| Total domestic deposits to total assets | 83.9560% | 3,221 |
| Equity capital to assets | 11.8502% | 2,221 |
| Core capital (leverage) ratio | 12.0700% | 1,627 |
| Tier 1 risk-based capital ratio | 27.1059% | 631 |
| Total risk-based capital ratio | 27.7456% | 660 |
| Memoranda: | ||
| Average total assets | $340,165,500 | 1,949 |
| Average earning assets | $326,308,250 | 1,896 |
| Average equity | $38,394,000 | 1,916 |
| Average total loans | $85,449,500 | 3,697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5204% | 5,896 |
| Cost of funding earning assets | 0.1924% | 5,216 |
| Net interest margin | 2.3281% | 5,848 |
| Noninterest income to average assets | 0.3605% | 4,187 |
| Noninterest expense to average assets | 1.7184% | 5,676 |
| Loan and lease loss provision to assets | 0.0146% | 3,814 |
| Net operating income to assets | 0.6106% | 4,223 |
| Return on assets (ROA) | 0.6106% | 4,349 |
| Pretax return on assets | 0.8618% | 4,077 |
| Return on Equity (ROE) | 5.4990% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.4990% | 2,422 |
| Net charge-offs to loans | 0.2128% | 1,106 |
| Credit loss provision to net charge-offs | 28.0899% | 2,873 |
| Earnings coverage of net charge-offs (x) | 16.8539% | 1,909 |
| Efficiency ratio | 66.2238% | 3,648 |
| Assets per employee ($millions) | 4.7005% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 4,201 |
| Loan loss allowance to noncurrent loans | 160.0346% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,820 |
| Noncurrent loans to loans | 0.6589% | 3,098 |
| Net loans and leases to total assets | 25.6455% | 5,871 |
| Net loans and leases to deposits | 30.4975% | 5,875 |
| Net loans and leases to core deposits | 31.8190% | 5,872 |
| Total domestic deposits to total assets | 84.0904% | 3,228 |
| Equity capital to assets | 11.6308% | 2,415 |
| Core capital (leverage) ratio | 11.6563% | 1,867 |
| Tier 1 risk-based capital ratio | 27.3592% | 625 |
| Total risk-based capital ratio | 27.9968% | 652 |
| Memoranda: | ||
| Average total assets | $342,287,000 | 1,950 |
| Average earning assets | $328,514,000 | 1,885 |
| Average equity | $38,006,670 | 1,941 |
| Average total loans | $83,641,000 | 3,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4919% | 5,965 |
| Cost of funding earning assets | 0.1898% | 5,288 |
| Net interest margin | 2.3021% | 5,929 |
| Noninterest income to average assets | 0.3626% | 4,126 |
| Noninterest expense to average assets | 1.7280% | 5,726 |
| Loan and lease loss provision to assets | 0.0291% | 3,272 |
| Net operating income to assets | 0.5776% | 4,284 |
| Return on assets (ROA) | 0.5776% | 4,395 |
| Pretax return on assets | 0.8181% | 4,141 |
| Return on Equity (ROE) | 5.3257% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,754 |
| Net charge-offs to loans | -0.0637% | 5,450 |
| Credit loss provision to net charge-offs | -192.3077% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1029% | 3,614 |
| Assets per employee ($millions) | 4.7342% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 3,027 |
| Loan loss allowance to noncurrent loans | 147.9137% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 4,730 |
| Noncurrent loans to loans | 0.8621% | 2,688 |
| Net loans and leases to total assets | 23.6790% | 5,946 |
| Net loans and leases to deposits | 27.9570% | 5,953 |
| Net loans and leases to core deposits | 29.2747% | 5,953 |
| Total domestic deposits to total assets | 84.6978% | 3,241 |
| Equity capital to assets | 11.3611% | 2,568 |
| Core capital (leverage) ratio | 11.4568% | 2,006 |
| Tier 1 risk-based capital ratio | 28.4610% | 579 |
| Total risk-based capital ratio | 29.2085% | 598 |
| Memoranda: | ||
| Average total assets | $344,211,500 | 1,946 |
| Average earning assets | $330,827,500 | 1,879 |
| Average equity | $37,328,500 | 1,968 |
| Average total loans | $81,602,000 | 3,814 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5876% | 5,966 |
| Cost of funding earning assets | 0.2061% | 5,227 |
| Net interest margin | 2.3815% | 5,900 |
| Noninterest income to average assets | 0.3625% | 4,312 |
| Noninterest expense to average assets | 1.7665% | 5,781 |
| Loan and lease loss provision to assets | 0.0504% | 3,315 |
| Net operating income to assets | 0.5970% | 4,280 |
| Return on assets (ROA) | 0.5970% | 4,389 |
| Pretax return on assets | 0.8266% | 4,109 |
| Return on Equity (ROE) | 5.6140% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.3466% | 4,957 |
| Net charge-offs to loans | 0.0243% | 3,768 |
| Credit loss provision to net charge-offs | 875.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 152.2000% | 420 |
| Efficiency ratio | 66.8229% | 3,775 |
| Assets per employee ($millions) | 4.8263% | 2,566 |
| Cash dividends to net income (ytd only)* | 76.0135% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,496 |
| Loan loss allowance to noncurrent loans | 127.7419% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,709 |
| Noncurrent loans to loans | 0.9384% | 2,457 |
| Net loans and leases to total assets | 23.1591% | 6,017 |
| Net loans and leases to deposits | 26.8653% | 6,026 |
| Net loans and leases to core deposits | 28.0995% | 6,021 |
| Total domestic deposits to total assets | 86.2043% | 2,535 |
| Equity capital to assets | 10.3585% | 3,561 |
| Core capital (leverage) ratio | 11.3177% | 2,112 |
| Tier 1 risk-based capital ratio | 29.2719% | 539 |
| Total risk-based capital ratio | 30.0213% | 552 |
| Memoranda: | ||
| Average total assets | $347,077,000 | 1,881 |
| Average earning assets | $332,433,200 | 1,824 |
| Average equity | $36,908,000 | 1,933 |
| Average total loans | $82,411,400 | 3,761 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6308% | 6,042 |
| Cost of funding earning assets | 0.2097% | 5,295 |
| Net interest margin | 2.4211% | 5,966 |
| Noninterest income to average assets | 0.3640% | 4,325 |
| Noninterest expense to average assets | 1.7769% | 5,808 |
| Loan and lease loss provision to assets | 0.0675% | 2,831 |
| Net operating income to assets | 0.6116% | 4,324 |
| Return on assets (ROA) | 0.6116% | 4,433 |
| Pretax return on assets | 0.8352% | 4,221 |
| Return on Equity (ROE) | 5.7134% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.7134% | 2,430 |
| Net charge-offs to loans | 0.0308% | 3,311 |
| Credit loss provision to net charge-offs | 921.0526% | 394 |
| Earnings coverage of net charge-offs (x) | 123.2238% | 526 |
| Efficiency ratio | 66.3117% | 3,837 |
| Assets per employee ($millions) | 4.5132% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,836 |
| Loan loss allowance to noncurrent loans | 134.6939% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,873 |
| Noncurrent loans to loans | 0.8661% | 2,813 |
| Net loans and leases to total assets | 25.4577% | 6,068 |
| Net loans and leases to deposits | 30.1729% | 6,076 |
| Net loans and leases to core deposits | 31.6631% | 6,074 |
| Total domestic deposits to total assets | 84.3728% | 3,273 |
| Equity capital to assets | 11.8122% | 2,252 |
| Core capital (leverage) ratio | 11.8049% | 1,815 |
| Tier 1 risk-based capital ratio | 28.1716% | 607 |
| Total risk-based capital ratio | 28.8730% | 627 |
| Memoranda: | ||
| Average total assets | $345,766,250 | 1,905 |
| Average earning assets | $330,693,250 | 1,845 |
| Average equity | $37,011,250 | 1,942 |
| Average total loans | $82,368,250 | 3,796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5842% | 6,123 |
| Cost of funding earning assets | 0.2102% | 5,352 |
| Net interest margin | 2.3740% | 6,056 |
| Noninterest income to average assets | 0.3605% | 4,364 |
| Noninterest expense to average assets | 1.7335% | 5,940 |
| Loan and lease loss provision to assets | 0.0854% | 2,407 |
| Net operating income to assets | 0.5957% | 4,370 |
| Return on assets (ROA) | 0.5957% | 4,460 |
| Pretax return on assets | 0.8121% | 4,284 |
| Return on Equity (ROE) | 5.7510% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.7510% | 2,381 |
| Net charge-offs to loans | 0.0466% | 2,767 |
| Credit loss provision to net charge-offs | 789.4737% | 435 |
| Earnings coverage of net charge-offs (x) | 82.9474% | 689 |
| Efficiency ratio | 65.8874% | 4,030 |
| Assets per employee ($millions) | 4.7317% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 4,121 |
| Loan loss allowance to noncurrent loans | 132.5549% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 5,023 |
| Noncurrent loans to loans | 0.8621% | 2,974 |
| Net loans and leases to total assets | 24.1685% | 6,155 |
| Net loans and leases to deposits | 28.2706% | 6,164 |
| Net loans and leases to core deposits | 29.6872% | 6,159 |
| Total domestic deposits to total assets | 85.4901% | 2,925 |
| Equity capital to assets | 10.6777% | 3,240 |
| Core capital (leverage) ratio | 11.2417% | 2,213 |
| Tier 1 risk-based capital ratio | 27.1058% | 700 |
| Total risk-based capital ratio | 27.7727% | 724 |
| Memoranda: | ||
| Average total assets | $351,200,330 | 1,884 |
| Average earning assets | $335,889,330 | 1,835 |
| Average equity | $36,376,000 | 1,978 |
| Average total loans | $81,536,330 | 3,836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 6,196 |
| Cost of funding earning assets | 0.2118% | 5,400 |
| Net interest margin | 2.3583% | 6,115 |
| Noninterest income to average assets | 0.3581% | 4,337 |
| Noninterest expense to average assets | 1.7622% | 5,947 |
| Loan and lease loss provision to assets | 0.0847% | 2,280 |
| Net operating income to assets | 0.5513% | 4,474 |
| Return on assets (ROA) | 0.5513% | 4,586 |
| Pretax return on assets | 0.7625% | 4,379 |
| Return on Equity (ROE) | 5.4038% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,833 |
| Net charge-offs to loans | -0.0150% | 4,908 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5325% | 3,900 |
| Assets per employee ($millions) | 4.7383% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 4,192 |
| Loan loss allowance to noncurrent loans | 120.7947% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,965 |
| Noncurrent loans to loans | 0.9620% | 2,851 |
| Net loans and leases to total assets | 22.4254% | 6,242 |
| Net loans and leases to deposits | 26.2842% | 6,245 |
| Net loans and leases to core deposits | 27.7278% | 6,240 |
| Total domestic deposits to total assets | 85.3189% | 3,259 |
| Equity capital to assets | 10.8389% | 3,153 |
| Core capital (leverage) ratio | 11.0619% | 2,355 |
| Tier 1 risk-based capital ratio | 27.9030% | 657 |
| Total risk-based capital ratio | 28.5612% | 672 |
| Memoranda: | ||
| Average total assets | $354,094,500 | 1,879 |
| Average earning assets | $338,033,500 | 1,820 |
| Average equity | $36,123,000 | 2,004 |
| Average total loans | $80,081,500 | 3,884 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6379% | 6,290 |
| Cost of funding earning assets | 0.2756% | 5,045 |
| Net interest margin | 2.3623% | 6,242 |
| Noninterest income to average assets | 0.3670% | 4,452 |
| Noninterest expense to average assets | 1.7295% | 6,134 |
| Loan and lease loss provision to assets | 0.0493% | 3,583 |
| Net operating income to assets | 0.5981% | 4,374 |
| Return on assets (ROA) | 0.5981% | 4,469 |
| Pretax return on assets | 0.8340% | 4,132 |
| Return on Equity (ROE) | 6.4761% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.6762% | 4,973 |
| Net charge-offs to loans | -0.1197% | 6,159 |
| Credit loss provision to net charge-offs | -171.5686% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1963% | 4,216 |
| Assets per employee ($millions) | 5.0319% | 2,278 |
| Cash dividends to net income (ytd only)* | 74.1176% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,943 |
| Loan loss allowance to noncurrent loans | 97.8873% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 4,993 |
| Noncurrent loans to loans | 1.0431% | 2,736 |
| Net loans and leases to total assets | 22.3158% | 6,342 |
| Net loans and leases to deposits | 25.5744% | 6,355 |
| Net loans and leases to core deposits | 26.8572% | 6,344 |
| Total domestic deposits to total assets | 87.2584% | 2,143 |
| Equity capital to assets | 9.5930% | 4,599 |
| Core capital (leverage) ratio | 10.7536% | 2,667 |
| Tier 1 risk-based capital ratio | 30.0304% | 511 |
| Total risk-based capital ratio | 30.6865% | 524 |
| Memoranda: | ||
| Average total assets | $355,297,000 | 1,836 |
| Average earning assets | $337,768,400 | 1,774 |
| Average equity | $32,813,000 | 2,122 |
| Average total loans | $85,216,600 | 3,733 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 6,355 |
| Cost of funding earning assets | 0.2856% | 5,039 |
| Net interest margin | 2.3736% | 6,312 |
| Noninterest income to average assets | 0.3662% | 4,495 |
| Noninterest expense to average assets | 1.7099% | 6,206 |
| Loan and lease loss provision to assets | 0.0660% | 3,031 |
| Net operating income to assets | 0.6106% | 4,398 |
| Return on assets (ROA) | 0.6106% | 4,487 |
| Pretax return on assets | 0.8470% | 4,189 |
| Return on Equity (ROE) | 6.6773% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.6773% | 1,994 |
| Net charge-offs to loans | -0.0557% | 5,952 |
| Credit loss provision to net charge-offs | -486.1111% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1905% | 4,337 |
| Assets per employee ($millions) | 4.6801% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 5,618 |
| Loan loss allowance to noncurrent loans | 90.5771% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 5,154 |
| Noncurrent loans to loans | 0.9880% | 3,100 |
| Net loans and leases to total assets | 25.2728% | 6,367 |
| Net loans and leases to deposits | 29.6585% | 6,372 |
| Net loans and leases to core deposits | 31.7720% | 6,364 |
| Total domestic deposits to total assets | 85.2128% | 3,258 |
| Equity capital to assets | 10.2102% | 3,920 |
| Core capital (leverage) ratio | 11.3144% | 2,204 |
| Tier 1 risk-based capital ratio | 29.9221% | 526 |
| Total risk-based capital ratio | 30.5084% | 550 |
| Memoranda: | ||
| Average total assets | $353,547,500 | 1,858 |
| Average earning assets | $336,127,250 | 1,795 |
| Average equity | $32,327,500 | 2,155 |
| Average total loans | $86,100,000 | 3,754 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5897% | 6,445 |
| Cost of funding earning assets | 0.2889% | 5,085 |
| Net interest margin | 2.3008% | 6,406 |
| Noninterest income to average assets | 0.3431% | 4,676 |
| Noninterest expense to average assets | 1.6854% | 6,282 |
| Loan and lease loss provision to assets | 0.0835% | 2,634 |
| Net operating income to assets | 0.5520% | 4,594 |
| Return on assets (ROA) | 0.5520% | 4,694 |
| Pretax return on assets | 0.7608% | 4,414 |
| Return on Equity (ROE) | 6.2652% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.2652% | 2,175 |
| Net charge-offs to loans | -0.0604% | 5,958 |
| Credit loss provision to net charge-offs | -576.9231% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6226% | 4,258 |
| Assets per employee ($millions) | 4.7922% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 5,886 |
| Loan loss allowance to noncurrent loans | 76.1954% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 5,264 |
| Noncurrent loans to loans | 1.1030% | 3,020 |
| Net loans and leases to total assets | 24.7217% | 6,434 |
| Net loans and leases to deposits | 28.6521% | 6,448 |
| Net loans and leases to core deposits | 30.8179% | 6,437 |
| Total domestic deposits to total assets | 86.2825% | 2,890 |
| Equity capital to assets | 9.6830% | 4,513 |
| Core capital (leverage) ratio | 10.7747% | 2,649 |
| Tier 1 risk-based capital ratio | 29.0934% | 570 |
| Total risk-based capital ratio | 29.6457% | 605 |
| Memoranda: | ||
| Average total assets | $359,074,330 | 1,828 |
| Average earning assets | $341,272,000 | 1,759 |
| Average equity | $31,635,000 | 2,180 |
| Average total loans | $86,156,670 | 3,761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5445% | 6,536 |
| Cost of funding earning assets | 0.2942% | 5,135 |
| Net interest margin | 2.2503% | 6,502 |
| Noninterest income to average assets | 0.3365% | 4,684 |
| Noninterest expense to average assets | 1.7355% | 6,302 |
| Loan and lease loss provision to assets | 0.0825% | 2,519 |
| Net operating income to assets | 0.4795% | 4,788 |
| Return on assets (ROA) | 0.4795% | 4,864 |
| Pretax return on assets | 0.6555% | 4,645 |
| Return on Equity (ROE) | 5.7151% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.7151% | 2,686 |
| Net charge-offs to loans | -0.0981% | 6,110 |
| Credit loss provision to net charge-offs | -357.1429% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1645% | 3,814 |
| Assets per employee ($millions) | 4.8208% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,137 |
| Loan loss allowance to noncurrent loans | 69.4268% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 5,297 |
| Noncurrent loans to loans | 1.1300% | 3,165 |
| Net loans and leases to total assets | 22.8752% | 6,525 |
| Net loans and leases to deposits | 26.1578% | 6,541 |
| Net loans and leases to core deposits | 28.3070% | 6,523 |
| Total domestic deposits to total assets | 87.4507% | 2,532 |
| Equity capital to assets | 8.7928% | 5,347 |
| Core capital (leverage) ratio | 10.5182% | 2,904 |
| Tier 1 risk-based capital ratio | 30.1755% | 521 |
| Total risk-based capital ratio | 30.6940% | 542 |
| Memoranda: | ||
| Average total assets | $363,696,500 | 1,806 |
| Average earning assets | $345,368,500 | 1,746 |
| Average equity | $30,515,500 | 2,240 |
| Average total loans | $85,626,500 | 3,806 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7992% | 6,499 |
| Cost of funding earning assets | 0.3936% | 4,723 |
| Net interest margin | 2.4055% | 6,439 |
| Noninterest income to average assets | 0.3667% | 4,688 |
| Noninterest expense to average assets | 1.8119% | 6,303 |
| Loan and lease loss provision to assets | 0.0636% | 3,863 |
| Net operating income to assets | 0.5693% | 4,416 |
| Return on assets (ROA) | 0.5693% | 4,523 |
| Pretax return on assets | 0.7877% | 4,195 |
| Return on Equity (ROE) | 6.0850% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.3287% | 5,226 |
| Net charge-offs to loans | 0.3949% | 1,706 |
| Credit loss provision to net charge-offs | 63.0252% | 3,474 |
| Earnings coverage of net charge-offs (x) | 8.4398% | 2,670 |
| Efficiency ratio | 68.0352% | 4,192 |
| Assets per employee ($millions) | 4.8136% | 2,427 |
| Cash dividends to net income (ytd only)* | 78.1638% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,437 |
| Loan loss allowance to noncurrent loans | 52.8910% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 5,309 |
| Noncurrent loans to loans | 1.2003% | 3,146 |
| Net loans and leases to total assets | 23.8725% | 6,608 |
| Net loans and leases to deposits | 27.1204% | 6,623 |
| Net loans and leases to core deposits | 29.3491% | 6,611 |
| Total domestic deposits to total assets | 88.0241% | 2,166 |
| Equity capital to assets | 7.9927% | 6,024 |
| Core capital (leverage) ratio | 10.5960% | 2,784 |
| Tier 1 risk-based capital ratio | 27.9725% | 614 |
| Total risk-based capital ratio | 28.3874% | 655 |
| Memoranda: | ||
| Average total assets | $353,941,600 | 1,831 |
| Average earning assets | $337,886,400 | 1,759 |
| Average equity | $33,114,400 | 2,081 |
| Average total loans | $90,412,600 | 3,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 6,546 |
| Cost of funding earning assets | 0.4170% | 4,653 |
| Net interest margin | 2.4206% | 6,497 |
| Noninterest income to average assets | 0.3704% | 4,749 |
| Noninterest expense to average assets | 1.7817% | 6,364 |
| Loan and lease loss provision to assets | 0.0855% | 3,350 |
| Net operating income to assets | 0.5900% | 4,397 |
| Return on assets (ROA) | 0.5900% | 4,522 |
| Pretax return on assets | 0.8187% | 4,228 |
| Return on Equity (ROE) | 6.0752% | 4,145 |
| Retained earnings to average equity (ytd only) | 6.0752% | 2,360 |
| Net charge-offs to loans | 0.4144% | 1,554 |
| Credit loss provision to net charge-offs | 79.5053% | 2,863 |
| Earnings coverage of net charge-offs (x) | 8.4100% | 2,627 |
| Efficiency ratio | 66.3366% | 4,426 |
| Assets per employee ($millions) | 4.4484% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 6,462 |
| Loan loss allowance to noncurrent loans | 48.7259% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 5,259 |
| Noncurrent loans to loans | 1.4007% | 3,069 |
| Net loans and leases to total assets | 27.1599% | 6,623 |
| Net loans and leases to deposits | 32.2347% | 6,614 |
| Net loans and leases to core deposits | 35.4680% | 6,577 |
| Total domestic deposits to total assets | 84.2565% | 4,080 |
| Equity capital to assets | 9.2447% | 4,872 |
| Core capital (leverage) ratio | 11.2595% | 2,240 |
| Tier 1 risk-based capital ratio | 27.9317% | 638 |
| Total risk-based capital ratio | 28.3866% | 678 |
| Memoranda: | ||
| Average total assets | $350,968,250 | 1,860 |
| Average earning assets | $335,724,500 | 1,782 |
| Average equity | $34,083,000 | 2,033 |
| Average total loans | $91,042,750 | 3,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8144% | 6,602 |
| Cost of funding earning assets | 0.4268% | 4,689 |
| Net interest margin | 2.3875% | 6,562 |
| Noninterest income to average assets | 0.3665% | 4,777 |
| Noninterest expense to average assets | 1.7677% | 6,430 |
| Loan and lease loss provision to assets | 0.0844% | 3,385 |
| Net operating income to assets | 0.5832% | 4,385 |
| Return on assets (ROA) | 0.5832% | 4,562 |
| Pretax return on assets | 0.8067% | 4,289 |
| Return on Equity (ROE) | 5.9156% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.9156% | 2,486 |
| Net charge-offs to loans | -0.0397% | 6,184 |
| Credit loss provision to net charge-offs | -833.3333% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4832% | 4,454 |
| Assets per employee ($millions) | 4.4617% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 6,042 |
| Loan loss allowance to noncurrent loans | 45.4209% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,860 |
| Noncurrent loans to loans | 2.0511% | 2,335 |
| Net loans and leases to total assets | 26.9072% | 6,656 |
| Net loans and leases to deposits | 31.3580% | 6,669 |
| Net loans and leases to core deposits | 34.4516% | 6,639 |
| Total domestic deposits to total assets | 85.8065% | 3,474 |
| Equity capital to assets | 9.1996% | 4,992 |
| Core capital (leverage) ratio | 10.8851% | 2,468 |
| Tier 1 risk-based capital ratio | 27.5894% | 657 |
| Total risk-based capital ratio | 28.2088% | 684 |
| Memoranda: | ||
| Average total assets | $355,265,670 | 1,837 |
| Average earning assets | $341,107,000 | 1,757 |
| Average equity | $35,026,000 | 1,985 |
| Average total loans | $90,573,000 | 3,710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8008% | 6,675 |
| Cost of funding earning assets | 0.4327% | 4,775 |
| Net interest margin | 2.3681% | 6,628 |
| Noninterest income to average assets | 0.3787% | 4,631 |
| Noninterest expense to average assets | 1.8021% | 6,437 |
| Loan and lease loss provision to assets | 0.0826% | 3,277 |
| Net operating income to assets | 0.5614% | 4,403 |
| Return on assets (ROA) | 0.5614% | 4,560 |
| Pretax return on assets | 0.7772% | 4,264 |
| Return on Equity (ROE) | 5.5222% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.5222% | 2,947 |
| Net charge-offs to loans | -0.0713% | 6,285 |
| Credit loss provision to net charge-offs | -468.7500% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7006% | 4,367 |
| Assets per employee ($millions) | 4.5130% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,287 |
| Loan loss allowance to noncurrent loans | 59.8310% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,454 |
| Noncurrent loans to loans | 1.4847% | 3,329 |
| Net loans and leases to total assets | 25.0106% | 6,751 |
| Net loans and leases to deposits | 29.8654% | 6,748 |
| Net loans and leases to core deposits | 32.6716% | 6,702 |
| Total domestic deposits to total assets | 83.7446% | 4,574 |
| Equity capital to assets | 10.6140% | 3,421 |
| Core capital (leverage) ratio | 10.4254% | 2,873 |
| Tier 1 risk-based capital ratio | 28.4557% | 615 |
| Total risk-based capital ratio | 29.0438% | 639 |
| Memoranda: | ||
| Average total assets | $363,353,000 | 1,814 |
| Average earning assets | $350,328,000 | 1,738 |
| Average equity | $36,941,500 | 1,920 |
| Average total loans | $89,810,500 | 3,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 6,744 |
| Cost of funding earning assets | 0.5318% | 4,983 |
| Net interest margin | 2.5254% | 6,697 |
| Noninterest income to average assets | 0.3917% | 4,672 |
| Noninterest expense to average assets | 1.7767% | 6,649 |
| Loan and lease loss provision to assets | 0.0654% | 4,942 |
| Net operating income to assets | 0.6893% | 3,787 |
| Return on assets (ROA) | 0.6893% | 4,048 |
| Pretax return on assets | 0.9619% | 3,694 |
| Return on Equity (ROE) | 6.3571% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.1360% | 4,728 |
| Net charge-offs to loans | -0.0065% | 6,414 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3641% | 5,003 |
| Assets per employee ($millions) | 4.8616% | 2,403 |
| Cash dividends to net income (ytd only)* | 66.3997% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 6,567 |
| Loan loss allowance to noncurrent loans | 59.4991% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 5,759 |
| Noncurrent loans to loans | 1.2597% | 3,728 |
| Net loans and leases to total assets | 24.0611% | 6,857 |
| Net loans and leases to deposits | 27.8885% | 6,877 |
| Net loans and leases to core deposits | 30.1316% | 6,843 |
| Total domestic deposits to total assets | 86.2759% | 3,218 |
| Equity capital to assets | 9.7571% | 4,519 |
| Core capital (leverage) ratio | 10.3406% | 2,962 |
| Tier 1 risk-based capital ratio | 25.9708% | 773 |
| Total risk-based capital ratio | 26.4520% | 817 |
| Memoranda: | ||
| Average total assets | $344,122,600 | 1,881 |
| Average earning assets | $328,695,600 | 1,802 |
| Average equity | $37,312,800 | 1,862 |
| Average total loans | $92,326,600 | 3,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 6,827 |
| Cost of funding earning assets | 0.5523% | 5,065 |
| Net interest margin | 2.5945% | 6,764 |
| Noninterest income to average assets | 0.3984% | 4,647 |
| Noninterest expense to average assets | 1.7720% | 6,708 |
| Loan and lease loss provision to assets | 0.0895% | 4,489 |
| Net operating income to assets | 0.7264% | 3,791 |
| Return on assets (ROA) | 0.7264% | 4,041 |
| Pretax return on assets | 1.0114% | 3,666 |
| Return on Equity (ROE) | 6.5147% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.5147% | 2,370 |
| Net charge-offs to loans | -0.0317% | 6,591 |
| Credit loss provision to net charge-offs | -1,022.7273% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6800% | 5,207 |
| Assets per employee ($millions) | 4.2544% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 6,722 |
| Loan loss allowance to noncurrent loans | 54.6088% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 5,686 |
| Noncurrent loans to loans | 1.3202% | 3,830 |
| Net loans and leases to total assets | 29.2565% | 6,841 |
| Net loans and leases to deposits | 34.5801% | 6,848 |
| Net loans and leases to core deposits | 38.2472% | 6,804 |
| Total domestic deposits to total assets | 84.6051% | 3,930 |
| Equity capital to assets | 11.6449% | 2,599 |
| Core capital (leverage) ratio | 11.6235% | 1,891 |
| Tier 1 risk-based capital ratio | 27.7340% | 684 |
| Total risk-based capital ratio | 28.2457% | 727 |
| Memoranda: | ||
| Average total assets | $335,352,750 | 1,946 |
| Average earning assets | $319,842,250 | 1,875 |
| Average equity | $37,391,250 | 1,880 |
| Average total loans | $92,426,000 | 3,731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1360% | 6,915 |
| Cost of funding earning assets | 0.5531% | 5,285 |
| Net interest margin | 2.5829% | 6,831 |
| Noninterest income to average assets | 0.3821% | 4,781 |
| Noninterest expense to average assets | 1.7443% | 6,806 |
| Loan and lease loss provision to assets | 0.0891% | 4,453 |
| Net operating income to assets | 0.7245% | 3,730 |
| Return on assets (ROA) | 0.7245% | 4,007 |
| Pretax return on assets | 1.0133% | 3,656 |
| Return on Equity (ROE) | 6.5938% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.5938% | 2,333 |
| Net charge-offs to loans | -0.0199% | 6,430 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2735% | 5,369 |
| Assets per employee ($millions) | 4.3782% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 6,875 |
| Loan loss allowance to noncurrent loans | 59.2344% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 5,979 |
| Noncurrent loans to loans | 1.1068% | 4,313 |
| Net loans and leases to total assets | 27.1198% | 6,952 |
| Net loans and leases to deposits | 31.8944% | 6,968 |
| Net loans and leases to core deposits | 35.3323% | 6,927 |
| Total domestic deposits to total assets | 85.0302% | 3,843 |
| Equity capital to assets | 10.9311% | 3,193 |
| Core capital (leverage) ratio | 10.8329% | 2,451 |
| Tier 1 risk-based capital ratio | 27.4422% | 690 |
| Total risk-based capital ratio | 27.8938% | 746 |
| Memoranda: | ||
| Average total assets | $336,522,330 | 1,935 |
| Average earning assets | $321,111,000 | 1,864 |
| Average equity | $36,974,000 | 1,884 |
| Average total loans | $90,637,670 | 3,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 6,993 |
| Cost of funding earning assets | 0.5577% | 5,448 |
| Net interest margin | 2.5639% | 6,905 |
| Noninterest income to average assets | 0.3905% | 4,738 |
| Noninterest expense to average assets | 1.7357% | 6,866 |
| Loan and lease loss provision to assets | 0.0904% | 4,224 |
| Net operating income to assets | 0.7256% | 3,756 |
| Return on assets (ROA) | 0.7256% | 3,986 |
| Pretax return on assets | 1.0137% | 3,633 |
| Return on Equity (ROE) | 6.5870% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.5870% | 2,639 |
| Net charge-offs to loans | -0.0180% | 6,145 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1205% | 5,436 |
| Assets per employee ($millions) | 4.2064% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6154% | 6,970 |
| Loan loss allowance to noncurrent loans | 53.2146% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,087 |
| Noncurrent loans to loans | 1.1565% | 4,397 |
| Net loans and leases to total assets | 26.4792% | 7,023 |
| Net loans and leases to deposits | 31.3137% | 7,023 |
| Net loans and leases to core deposits | 34.8365% | 6,971 |
| Total domestic deposits to total assets | 84.5609% | 4,245 |
| Equity capital to assets | 11.1977% | 2,714 |
| Core capital (leverage) ratio | 11.3741% | 1,986 |
| Tier 1 risk-based capital ratio | 28.6560% | 593 |
| Total risk-based capital ratio | 29.0728% | 638 |
| Memoranda: | ||
| Average total assets | $331,845,500 | 1,963 |
| Average earning assets | $317,018,000 | 1,893 |
| Average equity | $36,557,000 | 1,900 |
| Average total loans | $88,746,500 | 3,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 6,993 |
| Cost of funding earning assets | 0.6874% | 5,618 |
| Net interest margin | 2.8154% | 6,806 |
| Noninterest income to average assets | 0.4060% | 4,570 |
| Noninterest expense to average assets | 1.9208% | 6,802 |
| Loan and lease loss provision to assets | 0.0940% | 5,417 |
| Net operating income to assets | 0.7696% | 3,181 |
| Return on assets (ROA) | 0.7696% | 3,340 |
| Pretax return on assets | 1.0759% | 2,926 |
| Return on Equity (ROE) | 7.0058% | 3,405 |
| Retained earnings to average equity (ytd only) | 2.5113% | 4,442 |
| Net charge-offs to loans | 0.3938% | 3,443 |
| Credit loss provision to net charge-offs | 84.5070% | 4,260 |
| Earnings coverage of net charge-offs (x) | 10.5127% | 1,830 |
| Efficiency ratio | 62.1463% | 5,438 |
| Assets per employee ($millions) | 4.1949% | 3,477 |
| Cash dividends to net income (ytd only)* | 64.1548% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 7,100 |
| Loan loss allowance to noncurrent loans | 44.0922% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 6,171 |
| Noncurrent loans to loans | 1.1557% | 4,437 |
| Net loans and leases to total assets | 26.7045% | 7,103 |
| Net loans and leases to deposits | 31.5499% | 7,104 |
| Net loans and leases to core deposits | 35.7707% | 7,040 |
| Total domestic deposits to total assets | 84.6419% | 4,026 |
| Equity capital to assets | 10.8389% | 3,149 |
| Core capital (leverage) ratio | 11.0249% | 2,255 |
| Tier 1 risk-based capital ratio | 27.6654% | 647 |
| Total risk-based capital ratio | 28.0144% | 703 |
| Memoranda: | ||
| Average total assets | $318,983,800 | 2,013 |
| Average earning assets | $304,184,800 | 1,929 |
| Average equity | $35,042,200 | 1,920 |
| Average total loans | $90,136,000 | 3,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 7,034 |
| Cost of funding earning assets | 0.7115% | 5,689 |
| Net interest margin | 2.8783% | 6,784 |
| Noninterest income to average assets | 0.4095% | 4,596 |
| Noninterest expense to average assets | 1.9028% | 6,845 |
| Loan and lease loss provision to assets | 0.0953% | 5,270 |
| Net operating income to assets | 0.8279% | 3,033 |
| Return on assets (ROA) | 0.8279% | 3,192 |
| Pretax return on assets | 1.1544% | 2,808 |
| Return on Equity (ROE) | 7.5098% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.5098% | 1,704 |
| Net charge-offs to loans | 0.0503% | 5,479 |
| Credit loss provision to net charge-offs | 661.7647% | 410 |
| Earnings coverage of net charge-offs (x) | 86.7984% | 410 |
| Efficiency ratio | 60.3573% | 5,658 |
| Assets per employee ($millions) | 4.0105% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 6,879 |
| Loan loss allowance to noncurrent loans | 88.9029% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 6,447 |
| Noncurrent loans to loans | 0.8534% | 5,161 |
| Net loans and leases to total assets | 28.7421% | 7,127 |
| Net loans and leases to deposits | 34.0705% | 7,130 |
| Net loans and leases to core deposits | 38.9280% | 7,067 |
| Total domestic deposits to total assets | 84.3605% | 4,076 |
| Equity capital to assets | 11.8154% | 2,401 |
| Core capital (leverage) ratio | 11.8293% | 1,809 |
| Tier 1 risk-based capital ratio | 28.6357% | 612 |
| Total risk-based capital ratio | 29.1746% | 648 |
| Memoranda: | ||
| Average total assets | $314,832,750 | 2,040 |
| Average earning assets | $300,029,500 | 1,960 |
| Average equity | $34,709,250 | 1,939 |
| Average total loans | $90,151,000 | 3,886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 7,091 |
| Cost of funding earning assets | 0.7381% | 5,747 |
| Net interest margin | 2.8752% | 6,835 |
| Noninterest income to average assets | 0.3874% | 4,778 |
| Noninterest expense to average assets | 1.9199% | 6,921 |
| Loan and lease loss provision to assets | 0.0959% | 5,131 |
| Net operating income to assets | 0.7985% | 3,086 |
| Return on assets (ROA) | 0.7985% | 3,209 |
| Pretax return on assets | 1.1111% | 2,808 |
| Return on Equity (ROE) | 7.4250% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.4250% | 1,688 |
| Net charge-offs to loans | 0.0134% | 5,659 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 314.6667% | 109 |
| Efficiency ratio | 61.3985% | 5,672 |
| Assets per employee ($millions) | 3.8558% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 7,000 |
| Loan loss allowance to noncurrent loans | 69.8514% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 6,330 |
| Noncurrent loans to loans | 1.0225% | 4,948 |
| Net loans and leases to total assets | 28.5818% | 7,227 |
| Net loans and leases to deposits | 33.7930% | 7,227 |
| Net loans and leases to core deposits | 37.9789% | 7,170 |
| Total domestic deposits to total assets | 84.5789% | 4,087 |
| Equity capital to assets | 11.1424% | 2,823 |
| Core capital (leverage) ratio | 11.3951% | 1,980 |
| Tier 1 risk-based capital ratio | 27.7619% | 676 |
| Total risk-based capital ratio | 28.2589% | 711 |
| Memoranda: | ||
| Average total assets | $312,831,670 | 2,055 |
| Average earning assets | $298,068,330 | 1,983 |
| Average equity | $33,643,000 | 1,974 |
| Average total loans | $89,228,000 | 3,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 7,100 |
| Cost of funding earning assets | 0.7517% | 5,842 |
| Net interest margin | 2.9062% | 6,750 |
| Noninterest income to average assets | 0.4178% | 4,562 |
| Noninterest expense to average assets | 1.9209% | 6,955 |
| Loan and lease loss provision to assets | 0.0970% | 4,801 |
| Net operating income to assets | 0.8317% | 2,876 |
| Return on assets (ROA) | 0.8317% | 2,933 |
| Pretax return on assets | 1.1655% | 2,495 |
| Return on Equity (ROE) | 7.8811% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.8811% | 1,783 |
| Net charge-offs to loans | -0.0319% | 6,728 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3413% | 5,937 |
| Assets per employee ($millions) | 3.7108% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 7,101 |
| Loan loss allowance to noncurrent loans | 75.8270% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 6,482 |
| Noncurrent loans to loans | 0.8939% | 5,257 |
| Net loans and leases to total assets | 28.3539% | 7,284 |
| Net loans and leases to deposits | 33.6352% | 7,279 |
| Net loans and leases to core deposits | 37.4730% | 7,234 |
| Total domestic deposits to total assets | 84.2985% | 4,368 |
| Equity capital to assets | 10.7037% | 2,987 |
| Core capital (leverage) ratio | 11.4155% | 1,898 |
| Tier 1 risk-based capital ratio | 28.0591% | 629 |
| Total risk-based capital ratio | 28.5216% | 671 |
| Memoranda: | ||
| Average total assets | $309,233,000 | 2,101 |
| Average earning assets | $294,265,500 | 2,030 |
| Average equity | $32,635,000 | 2,007 |
| Average total loans | $87,778,000 | 4,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 7,291 |
| Cost of funding earning assets | 0.8679% | 6,309 |
| Net interest margin | 2.8645% | 6,948 |
| Noninterest income to average assets | 0.4138% | 4,792 |
| Noninterest expense to average assets | 2.0398% | 6,964 |
| Loan and lease loss provision to assets | 0.0495% | 6,658 |
| Net operating income to assets | 0.7526% | 2,990 |
| Return on assets (ROA) | 0.7526% | 3,114 |
| Pretax return on assets | 1.0436% | 2,798 |
| Return on Equity (ROE) | 6.6325% | 3,291 |
| Retained earnings to average equity (ytd only) | 2.0528% | 4,436 |
| Net charge-offs to loans | 0.1045% | 5,824 |
| Credit loss provision to net charge-offs | 164.8352% | 2,088 |
| Earnings coverage of net charge-offs (x) | 36.4066% | 627 |
| Efficiency ratio | 65.1080% | 5,144 |
| Assets per employee ($millions) | 3.6961% | 4,475 |
| Cash dividends to net income (ytd only)* | 69.0487% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,281 |
| Loan loss allowance to noncurrent loans | 35.6994% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 6,121 |
| Noncurrent loans to loans | 1.6398% | 4,043 |
| Net loans and leases to total assets | 28.0600% | 7,402 |
| Net loans and leases to deposits | 33.1704% | 7,409 |
| Net loans and leases to core deposits | 37.5794% | 7,364 |
| Total domestic deposits to total assets | 84.5937% | 4,061 |
| Equity capital to assets | 10.4045% | 3,267 |
| Core capital (leverage) ratio | 11.6258% | 1,766 |
| Tier 1 risk-based capital ratio | 27.4178% | 652 |
| Total risk-based capital ratio | 27.8139% | 688 |
| Memoranda: | ||
| Average total assets | $303,074,400 | 2,136 |
| Average earning assets | $287,689,600 | 2,063 |
| Average equity | $34,391,400 | 1,923 |
| Average total loans | $87,113,600 | 4,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 7,411 |
| Cost of funding earning assets | 0.8907% | 6,429 |
| Net interest margin | 2.8952% | 7,012 |
| Noninterest income to average assets | 0.4152% | 4,838 |
| Noninterest expense to average assets | 1.9980% | 7,049 |
| Loan and lease loss provision to assets | 0.0332% | 6,741 |
| Net operating income to assets | 0.8149% | 2,940 |
| Return on assets (ROA) | 0.8149% | 3,081 |
| Pretax return on assets | 1.1291% | 2,735 |
| Return on Equity (ROE) | 7.0305% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.0305% | 1,829 |
| Net charge-offs to loans | 0.1180% | 5,369 |
| Credit loss provision to net charge-offs | 97.4026% | 4,453 |
| Earnings coverage of net charge-offs (x) | 34.1053% | 784 |
| Efficiency ratio | 63.2213% | 5,400 |
| Assets per employee ($millions) | 3.5220% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 7,460 |
| Loan loss allowance to noncurrent loans | 31.9209% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 6,227 |
| Noncurrent loans to loans | 1.5586% | 4,304 |
| Net loans and leases to total assets | 30.5555% | 7,450 |
| Net loans and leases to deposits | 36.9755% | 7,449 |
| Net loans and leases to core deposits | 41.1067% | 7,397 |
| Total domestic deposits to total assets | 82.6372% | 4,735 |
| Equity capital to assets | 12.3602% | 1,934 |
| Core capital (leverage) ratio | 12.2180% | 1,558 |
| Tier 1 risk-based capital ratio | 28.6674% | 587 |
| Total risk-based capital ratio | 29.0211% | 627 |
| Memoranda: | ||
| Average total assets | $301,225,500 | 2,178 |
| Average earning assets | $285,613,250 | 2,104 |
| Average equity | $34,913,500 | 1,921 |
| Average total loans | $86,984,250 | 4,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 7,539 |
| Cost of funding earning assets | 0.9099% | 6,537 |
| Net interest margin | 2.7742% | 7,181 |
| Noninterest income to average assets | 0.4099% | 4,827 |
| Noninterest expense to average assets | 1.9662% | 7,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7762% | 3,082 |
| Return on assets (ROA) | 0.7762% | 3,232 |
| Pretax return on assets | 1.0758% | 2,861 |
| Return on Equity (ROE) | 6.8447% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.8447% | 1,908 |
| Net charge-offs to loans | 0.0350% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 108.6667% | 305 |
| Efficiency ratio | 64.6344% | 5,223 |
| Assets per employee ($millions) | 3.7027% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 7,510 |
| Loan loss allowance to noncurrent loans | 23.9498% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 6,003 |
| Noncurrent loans to loans | 2.0776% | 3,623 |
| Net loans and leases to total assets | 28.5646% | 7,569 |
| Net loans and leases to deposits | 34.2880% | 7,573 |
| Net loans and leases to core deposits | 38.0797% | 7,531 |
| Total domestic deposits to total assets | 83.3077% | 4,436 |
| Equity capital to assets | 11.6553% | 2,316 |
| Core capital (leverage) ratio | 11.7180% | 1,794 |
| Tier 1 risk-based capital ratio | 28.2745% | 606 |
| Total risk-based capital ratio | 28.6195% | 661 |
| Memoranda: | ||
| Average total assets | $303,019,000 | 2,184 |
| Average earning assets | $287,502,000 | 2,102 |
| Average equity | $34,362,330 | 1,945 |
| Average total loans | $85,696,000 | 4,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 7,657 |
| Cost of funding earning assets | 0.9361% | 6,633 |
| Net interest margin | 2.7140% | 7,282 |
| Noninterest income to average assets | 0.4401% | 4,562 |
| Noninterest expense to average assets | 1.9623% | 7,226 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7552% | 3,187 |
| Return on assets (ROA) | 0.7552% | 3,295 |
| Pretax return on assets | 1.0450% | 2,921 |
| Return on Equity (ROE) | 6.7552% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.7552% | 2,238 |
| Net charge-offs to loans | -0.0095% | 6,883 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2520% | 5,262 |
| Assets per employee ($millions) | 3.6120% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 7,555 |
| Loan loss allowance to noncurrent loans | 50.7795% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 6,720 |
| Noncurrent loans to loans | 1.0718% | 5,203 |
| Net loans and leases to total assets | 28.1340% | 7,669 |
| Net loans and leases to deposits | 33.4955% | 7,672 |
| Net loans and leases to core deposits | 37.3380% | 7,629 |
| Total domestic deposits to total assets | 83.9935% | 4,149 |
| Equity capital to assets | 11.5016% | 2,360 |
| Core capital (leverage) ratio | 11.5434% | 1,886 |
| Tier 1 risk-based capital ratio | 29.1407% | 576 |
| Total risk-based capital ratio | 29.5164% | 609 |
| Memoranda: | ||
| Average total assets | $300,864,500 | 2,246 |
| Average earning assets | $284,599,000 | 2,177 |
| Average equity | $33,633,500 | 2,004 |
| Average total loans | $84,431,000 | 4,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 7,661 |
| Cost of funding earning assets | 1.1700% | 6,765 |
| Net interest margin | 2.9015% | 6,869 |
| Noninterest income to average assets | 0.4273% | 4,990 |
| Noninterest expense to average assets | 2.3122% | 6,716 |
| Loan and lease loss provision to assets | 0.0353% | 7,186 |
| Net operating income to assets | 0.5646% | 3,469 |
| Return on assets (ROA) | 0.5646% | 3,544 |
| Pretax return on assets | 0.8221% | 3,178 |
| Return on Equity (ROE) | 4.6941% | 3,797 |
| Retained earnings to average equity (ytd only) | 0.0733% | 4,861 |
| Net charge-offs to loans | 0.1697% | 5,587 |
| Credit loss provision to net charge-offs | 71.4286% | 6,464 |
| Earnings coverage of net charge-offs (x) | 17.3571% | 1,195 |
| Efficiency ratio | 72.9489% | 4,106 |
| Assets per employee ($millions) | 3.6374% | 4,678 |
| Cash dividends to net income (ytd only)* | 98.4375% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 7,639 |
| Loan loss allowance to noncurrent loans | 64.3972% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 6,841 |
| Noncurrent loans to loans | 0.8287% | 5,635 |
| Net loans and leases to total assets | 27.6959% | 7,756 |
| Net loans and leases to deposits | 32.7347% | 7,777 |
| Net loans and leases to core deposits | 44.2580% | 7,699 |
| Total domestic deposits to total assets | 84.6074% | 3,756 |
| Equity capital to assets | 10.8662% | 2,805 |
| Core capital (leverage) ratio | 11.7824% | 1,767 |
| Tier 1 risk-based capital ratio | 28.2296% | 624 |
| Total risk-based capital ratio | 28.5978% | 664 |
| Memoranda: | ||
| Average total assets | $283,410,000 | 2,323 |
| Average earning assets | $267,860,000 | 2,257 |
| Average equity | $34,085,000 | 1,967 |
| Average total loans | $82,515,800 | 4,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 7,729 |
| Cost of funding earning assets | 1.2096% | 6,861 |
| Net interest margin | 2.9796% | 6,659 |
| Noninterest income to average assets | 0.4366% | 4,986 |
| Noninterest expense to average assets | 2.1803% | 7,026 |
| Loan and lease loss provision to assets | 0.0480% | 6,892 |
| Net operating income to assets | 0.6929% | 3,240 |
| Return on assets (ROA) | 0.6929% | 3,290 |
| Pretax return on assets | 1.0249% | 2,821 |
| Return on Equity (ROE) | 5.6121% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,151 |
| Net charge-offs to loans | 0.2426% | 4,534 |
| Credit loss provision to net charge-offs | 67.1141% | 6,040 |
| Earnings coverage of net charge-offs (x) | 15.0068% | 1,557 |
| Efficiency ratio | 67.0206% | 5,181 |
| Assets per employee ($millions) | 3.3127% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 7,686 |
| Loan loss allowance to noncurrent loans | 78.8632% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 6,979 |
| Noncurrent loans to loans | 0.6615% | 5,979 |
| Net loans and leases to total assets | 30.0704% | 7,804 |
| Net loans and leases to deposits | 36.5413% | 7,808 |
| Net loans and leases to core deposits | 49.6022% | 7,694 |
| Total domestic deposits to total assets | 82.2916% | 4,545 |
| Equity capital to assets | 12.4835% | 1,969 |
| Core capital (leverage) ratio | 12.7458% | 1,476 |
| Tier 1 risk-based capital ratio | 30.5804% | 539 |
| Total risk-based capital ratio | 30.9553% | 574 |
| Memoranda: | ||
| Average total assets | $277,876,750 | 2,380 |
| Average earning assets | $262,666,500 | 2,316 |
| Average equity | $34,306,000 | 1,984 |
| Average total loans | $81,875,500 | 4,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 7,836 |
| Cost of funding earning assets | 1.2293% | 7,020 |
| Net interest margin | 2.9550% | 6,669 |
| Noninterest income to average assets | 0.4251% | 5,079 |
| Noninterest expense to average assets | 2.1175% | 7,239 |
| Loan and lease loss provision to assets | 0.0723% | 6,475 |
| Net operating income to assets | 0.7027% | 3,242 |
| Return on assets (ROA) | 0.7027% | 3,348 |
| Pretax return on assets | 1.0280% | 2,890 |
| Return on Equity (ROE) | 5.7136% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.7136% | 2,152 |
| Net charge-offs to loans | 0.3936% | 3,234 |
| Credit loss provision to net charge-offs | 62.8931% | 5,543 |
| Earnings coverage of net charge-offs (x) | 9.5723% | 2,105 |
| Efficiency ratio | 65.8054% | 5,577 |
| Assets per employee ($millions) | 3.3169% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 7,765 |
| Loan loss allowance to noncurrent loans | 68.0251% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 6,877 |
| Noncurrent loans to loans | 0.7652% | 5,707 |
| Net loans and leases to total assets | 29.4203% | 7,901 |
| Net loans and leases to deposits | 35.6625% | 7,906 |
| Net loans and leases to core deposits | 46.3474% | 7,831 |
| Total domestic deposits to total assets | 82.4963% | 4,481 |
| Equity capital to assets | 12.1358% | 2,127 |
| Core capital (leverage) ratio | 12.6852% | 1,543 |
| Tier 1 risk-based capital ratio | 30.5453% | 569 |
| Total risk-based capital ratio | 30.9161% | 611 |
| Memoranda: | ||
| Average total assets | $276,642,670 | 2,406 |
| Average earning assets | $261,455,330 | 2,339 |
| Average equity | $34,024,330 | 1,992 |
| Average total loans | $80,795,330 | 4,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 7,871 |
| Cost of funding earning assets | 1.2385% | 7,211 |
| Net interest margin | 3.0252% | 6,414 |
| Noninterest income to average assets | 0.4350% | 4,918 |
| Noninterest expense to average assets | 1.8803% | 7,584 |
| Loan and lease loss provision to assets | 0.1095% | 5,567 |
| Net operating income to assets | 0.8818% | 2,785 |
| Return on assets (ROA) | 0.8818% | 2,927 |
| Pretax return on assets | 1.3051% | 2,267 |
| Return on Equity (ROE) | 7.1208% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.1208% | 2,170 |
| Net charge-offs to loans | 0.8000% | 1,614 |
| Credit loss provision to net charge-offs | 47.1698% | 4,724 |
| Earnings coverage of net charge-offs (x) | 6.0943% | 2,546 |
| Efficiency ratio | 57.0669% | 6,813 |
| Assets per employee ($millions) | 3.2612% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 7,811 |
| Loan loss allowance to noncurrent loans | 50.6188% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 6,597 |
| Noncurrent loans to loans | 1.0069% | 4,984 |
| Net loans and leases to total assets | 28.8016% | 7,942 |
| Net loans and leases to deposits | 34.6686% | 7,972 |
| Net loans and leases to core deposits | 43.6796% | 7,911 |
| Total domestic deposits to total assets | 83.0768% | 4,105 |
| Equity capital to assets | 12.3016% | 2,076 |
| Core capital (leverage) ratio | 12.8320% | 1,543 |
| Tier 1 risk-based capital ratio | 31.1461% | 577 |
| Total risk-based capital ratio | 31.5062% | 598 |
| Memoranda: | ||
| Average total assets | $273,996,500 | 2,428 |
| Average earning assets | $259,026,000 | 2,375 |
| Average equity | $33,929,000 | 2,009 |
| Average total loans | $79,503,000 | 4,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 7,988 |
| Cost of funding earning assets | 1.5515% | 7,531 |
| Net interest margin | 3.1106% | 6,622 |
| Noninterest income to average assets | 0.4862% | 4,734 |
| Noninterest expense to average assets | 2.1392% | 7,138 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8654% | 3,148 |
| Return on assets (ROA) | 0.8654% | 2,998 |
| Pretax return on assets | 1.2777% | 2,386 |
| Return on Equity (ROE) | 6.6859% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.0491% | 3,962 |
| Net charge-offs to loans | 0.5528% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.4018% | 3,122 |
| Efficiency ratio | 62.6073% | 5,845 |
| Assets per employee ($millions) | 3.1858% | 5,524 |
| Cash dividends to net income (ytd only)* | 69.3527% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 7,621 |
| Loan loss allowance to noncurrent loans | 49.3988% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 6,133 |
| Noncurrent loans to loans | 1.2672% | 3,975 |
| Net loans and leases to total assets | 28.9025% | 8,019 |
| Net loans and leases to deposits | 35.7596% | 8,032 |
| Net loans and leases to core deposits | 44.8374% | 7,987 |
| Total domestic deposits to total assets | 80.8245% | 4,728 |
| Equity capital to assets | 12.4663% | 2,034 |
| Core capital (leverage) ratio | 13.2908% | 1,442 |
| Tier 1 risk-based capital ratio | 31.5054% | 574 |
| Total risk-based capital ratio | 31.9521% | 593 |
| Memoranda: | ||
| Average total assets | $262,433,600 | 2,444 |
| Average earning assets | $247,250,800 | 2,390 |
| Average equity | $33,966,800 | 1,994 |
| Average total loans | $81,941,200 | 4,452 |