Home > Brannen Bank > Performance and Condition Ratios
Brannen Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 2,617 |
| Cost of funding earning assets | 0.7947% | 3,747 |
| Net interest margin | 3.9322% | 1,313 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.7623% | 4,051 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.3449% | 283 |
| Return on assets (ROA) | 2.3480% | 276 |
| Pretax return on assets | 2.3480% | 403 |
| Return on Equity (ROE) | 113.4500% | 13 |
| Retained earnings to average equity (ytd only) | 31.7264% | 44 |
| Net charge-offs to loans | -0.0067% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.5957% | 4,300 |
| Assets per employee ($millions) | 8.7117% | 1,104 |
| Cash dividends to net income (ytd only)* | 72.0341% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 3,960 |
| Loan loss allowance to noncurrent loans | 189.0962% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 2,295 |
| Noncurrent loans to loans | 0.4233% | 1,722 |
| Net loans and leases to total assets | 43.5200% | 3,916 |
| Net loans and leases to deposits | 44.4975% | 4,090 |
| Net loans and leases to core deposits | 47.8182% | 4,125 |
| Total domestic deposits to total assets | 97.8000% | 24 |
| Equity capital to assets | 2.0488% | 4,566 |
| Core capital (leverage) ratio | 5.2984% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5710% | 1,379 |
| Memoranda: | ||
| Average total assets | $869,129,000 | 1,112 |
| Average earning assets | $855,800,200 | 1,051 |
| Average equity | $17,988,200 | 3,016 |
| Average total loans | $371,455,000 | 1,542 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 2,629 |
| Cost of funding earning assets | 0.6977% | 3,769 |
| Net interest margin | 3.9250% | 1,355 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.7838% | 4,011 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.3194% | 319 |
| Return on assets (ROA) | 2.3236% | 309 |
| Pretax return on assets | 2.3236% | 469 |
| Return on Equity (ROE) | 111.9600% | 17 |
| Retained earnings to average equity (ytd only) | 66.9072% | 20 |
| Net charge-offs to loans | -0.0092% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.0446% | 4,266 |
| Assets per employee ($millions) | 7.8925% | 1,402 |
| Cash dividends to net income (ytd only)* | 40.2414% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 3,950 |
| Loan loss allowance to noncurrent loans | 220.0950% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,445 |
| Noncurrent loans to loans | 0.3720% | 1,901 |
| Net loans and leases to total assets | 45.6500% | 3,847 |
| Net loans and leases to deposits | 46.6016% | 4,035 |
| Net loans and leases to core deposits | 50.1047% | 4,037 |
| Total domestic deposits to total assets | 97.9600% | 39 |
| Equity capital to assets | 1.8351% | 4,551 |
| Core capital (leverage) ratio | 5.9585% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8382% | 1,127 |
| Memoranda: | ||
| Average total assets | $855,552,500 | 1,129 |
| Average earning assets | $842,378,000 | 1,067 |
| Average equity | $17,755,500 | 3,024 |
| Average total loans | $363,036,500 | 1,564 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 2,616 |
| Cost of funding earning assets | 0.5821% | 3,797 |
| Net interest margin | 3.9298% | 1,370 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.7586% | 4,074 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.3474% | 291 |
| Return on assets (ROA) | 2.3537% | 282 |
| Pretax return on assets | 2.3537% | 432 |
| Return on Equity (ROE) | 109.1700% | 20 |
| Retained earnings to average equity (ytd only) | 71.1505% | 16 |
| Net charge-offs to loans | -0.0011% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.3663% | 4,324 |
| Assets per employee ($millions) | 8.0445% | 1,294 |
| Cash dividends to net income (ytd only)* | 34.8259% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 3,935 |
| Loan loss allowance to noncurrent loans | 250.3236% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,545 |
| Noncurrent loans to loans | 0.3342% | 1,933 |
| Net loans and leases to total assets | 42.6100% | 3,940 |
| Net loans and leases to deposits | 43.6827% | 4,115 |
| Net loans and leases to core deposits | 46.6421% | 4,112 |
| Total domestic deposits to total assets | 97.5500% | 38 |
| Equity capital to assets | 2.2721% | 4,597 |
| Core capital (leverage) ratio | 5.7083% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8073% | 1,153 |
| Memoranda: | ||
| Average total assets | $853,977,000 | 1,123 |
| Average earning assets | $840,390,667 | 1,063 |
| Average equity | $18,411,667 | 2,992 |
| Average total loans | $352,056,000 | 1,592 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,664 |
| Cost of funding earning assets | 0.4386% | 3,867 |
| Net interest margin | 3.9151% | 1,448 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7437% | 4,131 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.3306% | 311 |
| Return on assets (ROA) | 2.3306% | 309 |
| Pretax return on assets | 2.3306% | 460 |
| Return on Equity (ROE) | 111.1300% | 19 |
| Retained earnings to average equity (ytd only) | 111.1273% | 11 |
| Net charge-offs to loans | -0.0012% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.1077% | 4,386 |
| Assets per employee ($millions) | 8.2035% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 3,962 |
| Loan loss allowance to noncurrent loans | 268.5790% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,606 |
| Noncurrent loans to loans | 0.3205% | 1,997 |
| Net loans and leases to total assets | 40.3000% | 4,030 |
| Net loans and leases to deposits | 41.4118% | 4,181 |
| Net loans and leases to core deposits | 43.7986% | 4,177 |
| Total domestic deposits to total assets | 97.3300% | 27 |
| Equity capital to assets | 2.5300% | 4,617 |
| Core capital (leverage) ratio | 5.6420% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4610% | 1,271 |
| Memoranda: | ||
| Average total assets | $850,585,000 | 1,138 |
| Average earning assets | $836,249,500 | 1,088 |
| Average equity | $17,839,000 | 3,057 |
| Average total loans | $343,150,000 | 1,641 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 3,898 |
| Cost of funding earning assets | 0.1234% | 4,267 |
| Net interest margin | 3.0311% | 3,356 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7142% | 4,153 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5357% | 802 |
| Return on assets (ROA) | 1.5357% | 777 |
| Pretax return on assets | 1.5357% | 1,341 |
| Return on Equity (ROE) | 57.3500% | 26 |
| Retained earnings to average equity (ytd only) | 22.5118% | 59 |
| Net charge-offs to loans | -0.0006% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.8942% | 3,986 |
| Assets per employee ($millions) | 7.7719% | 1,449 |
| Cash dividends to net income (ytd only)* | 60.7447% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,321 |
| Loan loss allowance to noncurrent loans | 260.0775% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,448 |
| Noncurrent loans to loans | 0.3876% | 1,758 |
| Net loans and leases to total assets | 39.6100% | 4,077 |
| Net loans and leases to deposits | 40.3148% | 4,235 |
| Net loans and leases to core deposits | 42.1884% | 4,224 |
| Total domestic deposits to total assets | 98.2600% | 26 |
| Equity capital to assets | 1.6448% | 4,660 |
| Core capital (leverage) ratio | 5.1455% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4761% | 1,483 |
| Memoranda: | ||
| Average total assets | $825,443,800 | 1,160 |
| Average earning assets | $811,855,800 | 1,095 |
| Average equity | $22,104,000 | 2,764 |
| Average total loans | $308,850,800 | 1,683 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8417% | 4,142 |
| Cost of funding earning assets | 0.1016% | 4,270 |
| Net interest margin | 2.7401% | 3,856 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.6471% | 4,245 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3288% | 1,272 |
| Return on assets (ROA) | 1.3288% | 1,244 |
| Pretax return on assets | 1.3288% | 1,954 |
| Return on Equity (ROE) | 45.2200% | 36 |
| Retained earnings to average equity (ytd only) | 34.2047% | 27 |
| Net charge-offs to loans | -0.0004% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.5649% | 3,771 |
| Assets per employee ($millions) | 8.4245% | 1,110 |
| Cash dividends to net income (ytd only)* | 24.3576% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,512 |
| Loan loss allowance to noncurrent loans | 306.0694% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,729 |
| Noncurrent loans to loans | 0.3248% | 2,072 |
| Net loans and leases to total assets | 38.3300% | 4,135 |
| Net loans and leases to deposits | 38.9983% | 4,274 |
| Net loans and leases to core deposits | 40.5444% | 4,264 |
| Total domestic deposits to total assets | 98.2800% | 46 |
| Equity capital to assets | 1.5864% | 4,676 |
| Core capital (leverage) ratio | 5.3058% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4821% | 1,287 |
| Memoranda: | ||
| Average total assets | $823,905,750 | 1,168 |
| Average earning assets | $810,760,000 | 1,107 |
| Average equity | $24,210,500 | 2,674 |
| Average total loans | $302,868,750 | 1,700 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5290% | 4,351 |
| Cost of funding earning assets | 0.0963% | 4,225 |
| Net interest margin | 2.4327% | 4,186 |
| Noninterest income to average assets | 0.3311% | 3,176 |
| Noninterest expense to average assets | 1.6134% | 4,293 |
| Loan and lease loss provision to assets | 0.0340% | 1,967 |
| Net operating income to assets | 1.0771% | 1,868 |
| Return on assets (ROA) | 1.0771% | 1,845 |
| Pretax return on assets | 1.0771% | 2,491 |
| Return on Equity (ROE) | 31.7679% | 50 |
| Retained earnings to average equity (ytd only) | 24.6033% | 37 |
| Net charge-offs to loans | -0.0007% | 3,002 |
| Credit loss provision to net charge-offs | -14,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2190% | 3,411 |
| Assets per employee ($millions) | 8.4129% | 1,105 |
| Cash dividends to net income (ytd only)* | 22.5530% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,636 |
| Loan loss allowance to noncurrent loans | 226.1481% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 2,585 |
| Noncurrent loans to loans | 0.4383% | 1,808 |
| Net loans and leases to total assets | 36.2504% | 4,236 |
| Net loans and leases to deposits | 37.1434% | 4,364 |
| Net loans and leases to core deposits | 38.4890% | 4,370 |
| Total domestic deposits to total assets | 97.5958% | 31 |
| Equity capital to assets | 2.2822% | 4,715 |
| Core capital (leverage) ratio | 5.0368% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2332% | 1,381 |
| Memoranda: | ||
| Average total assets | $823,339,667 | 1,166 |
| Average earning assets | $810,039,667 | 1,108 |
| Average equity | $27,915,000 | 2,532 |
| Average total loans | $297,289,000 | 1,715 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3211% | 4,442 |
| Cost of funding earning assets | 0.0974% | 4,162 |
| Net interest margin | 2.2237% | 4,319 |
| Noninterest income to average assets | 0.3340% | 3,094 |
| Noninterest expense to average assets | 1.5860% | 4,317 |
| Loan and lease loss provision to assets | 0.0196% | 2,001 |
| Net operating income to assets | 0.9151% | 2,228 |
| Return on assets (ROA) | 0.9151% | 2,227 |
| Pretax return on assets | 0.9151% | 2,719 |
| Return on Equity (ROE) | 23.0909% | 123 |
| Retained earnings to average equity (ytd only) | 23.0909% | 60 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9189% | 3,153 |
| Assets per employee ($millions) | 9.0953% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,718 |
| Loan loss allowance to noncurrent loans | 235.1115% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,735 |
| Noncurrent loans to loans | 0.4263% | 1,964 |
| Net loans and leases to total assets | 35.2381% | 4,252 |
| Net loans and leases to deposits | 36.4446% | 4,369 |
| Net loans and leases to core deposits | 37.8202% | 4,377 |
| Total domestic deposits to total assets | 96.6895% | 6 |
| Equity capital to assets | 3.2538% | 4,789 |
| Core capital (leverage) ratio | 5.0254% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5819% | 1,371 |
| Memoranda: | ||
| Average total assets | $814,365,000 | 1,177 |
| Average earning assets | $800,827,500 | 1,124 |
| Average equity | $32,272,500 | 2,375 |
| Average total loans | $291,921,500 | 1,731 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5137% | 4,469 |
| Cost of funding earning assets | 0.1045% | 4,353 |
| Net interest margin | 2.4092% | 4,314 |
| Noninterest income to average assets | 0.3955% | 3,071 |
| Noninterest expense to average assets | 1.7341% | 4,249 |
| Loan and lease loss provision to assets | -0.0446% | 4,324 |
| Net operating income to assets | 1.0701% | 2,415 |
| Return on assets (ROA) | 1.1547% | 2,145 |
| Pretax return on assets | 1.1547% | 2,804 |
| Return on Equity (ROE) | 22.5922% | 195 |
| Retained earnings to average equity (ytd only) | 13.9975% | 304 |
| Net charge-offs to loans | -0.0003% | 3,211 |
| Credit loss provision to net charge-offs | 33,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8398% | 2,743 |
| Assets per employee ($millions) | 8.7071% | 1,012 |
| Cash dividends to net income (ytd only)* | 38.0428% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,719 |
| Loan loss allowance to noncurrent loans | 137.3409% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 2,221 |
| Noncurrent loans to loans | 0.7333% | 1,386 |
| Net loans and leases to total assets | 35.7429% | 4,300 |
| Net loans and leases to deposits | 37.5184% | 4,427 |
| Net loans and leases to core deposits | 38.7436% | 4,431 |
| Total domestic deposits to total assets | 95.2678% | 3 |
| Equity capital to assets | 4.6955% | 4,835 |
| Core capital (leverage) ratio | 5.0253% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5080% | 1,386 |
| Memoranda: | ||
| Average total assets | $739,847,800 | 1,235 |
| Average earning assets | $726,019,800 | 1,185 |
| Average equity | $37,814,000 | 2,162 |
| Average total loans | $294,703,800 | 1,726 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5972% | 4,502 |
| Cost of funding earning assets | 0.1060% | 4,450 |
| Net interest margin | 2.4911% | 4,291 |
| Noninterest income to average assets | 0.4118% | 3,025 |
| Noninterest expense to average assets | 1.7563% | 4,248 |
| Loan and lease loss provision to assets | -0.0607% | 4,497 |
| Net operating income to assets | 1.1595% | 2,328 |
| Return on assets (ROA) | 1.2747% | 1,963 |
| Pretax return on assets | 1.2747% | 2,690 |
| Return on Equity (ROE) | 24.3920% | 194 |
| Retained earnings to average equity (ytd only) | 19.1100% | 163 |
| Net charge-offs to loans | -0.0005% | 3,077 |
| Credit loss provision to net charge-offs | 33,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5147% | 2,768 |
| Assets per employee ($millions) | 7.6101% | 1,503 |
| Cash dividends to net income (ytd only)* | 21.6544% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,815 |
| Loan loss allowance to noncurrent loans | 136.3296% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 2,392 |
| Noncurrent loans to loans | 0.7382% | 1,519 |
| Net loans and leases to total assets | 37.2647% | 4,331 |
| Net loans and leases to deposits | 39.3185% | 4,478 |
| Net loans and leases to core deposits | 40.5973% | 4,495 |
| Total domestic deposits to total assets | 94.7763% | 5 |
| Equity capital to assets | 5.1613% | 4,907 |
| Core capital (leverage) ratio | 5.2144% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0952% | 1,331 |
| Memoranda: | ||
| Average total assets | $724,545,500 | 1,272 |
| Average earning assets | $710,605,750 | 1,216 |
| Average equity | $37,864,000 | 2,187 |
| Average total loans | $296,071,250 | 1,756 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6697% | 4,490 |
| Cost of funding earning assets | 0.1092% | 4,514 |
| Net interest margin | 2.5605% | 4,236 |
| Noninterest income to average assets | 0.4195% | 3,005 |
| Noninterest expense to average assets | 1.7666% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1625% | 2,323 |
| Return on assets (ROA) | 1.2972% | 1,949 |
| Pretax return on assets | 1.2972% | 2,636 |
| Return on Equity (ROE) | 24.7117% | 205 |
| Retained earnings to average equity (ytd only) | 22.0280% | 110 |
| Net charge-offs to loans | 0.0013% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2,063.0000% | 50 |
| Efficiency ratio | 60.3117% | 2,977 |
| Assets per employee ($millions) | 7.7009% | 1,361 |
| Cash dividends to net income (ytd only)* | 10.8601% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,373 |
| Loan loss allowance to noncurrent loans | 170.1681% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 2,661 |
| Noncurrent loans to loans | 0.6518% | 1,786 |
| Net loans and leases to total assets | 38.2766% | 4,374 |
| Net loans and leases to deposits | 40.3695% | 4,511 |
| Net loans and leases to core deposits | 41.8404% | 4,522 |
| Total domestic deposits to total assets | 94.8157% | 4 |
| Equity capital to assets | 5.0980% | 4,942 |
| Core capital (leverage) ratio | 5.2088% | 4,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9942% | 1,337 |
| Memoranda: | ||
| Average total assets | $709,854,667 | 1,289 |
| Average earning assets | $695,725,667 | 1,226 |
| Average equity | $37,261,667 | 2,199 |
| Average total loans | $298,316,667 | 1,754 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8115% | 4,367 |
| Cost of funding earning assets | 0.1111% | 4,580 |
| Net interest margin | 2.7004% | 3,966 |
| Noninterest income to average assets | 0.4125% | 3,027 |
| Noninterest expense to average assets | 1.7450% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3133% | 1,786 |
| Return on assets (ROA) | 1.5914% | 1,194 |
| Pretax return on assets | 1.5914% | 1,750 |
| Return on Equity (ROE) | 29.8455% | 143 |
| Retained earnings to average equity (ytd only) | 29.8455% | 78 |
| Net charge-offs to loans | -0.0027% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0586% | 3,419 |
| Assets per employee ($millions) | 8.4734% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,579 |
| Loan loss allowance to noncurrent loans | 156.9700% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 2,712 |
| Noncurrent loans to loans | 0.6812% | 1,885 |
| Net loans and leases to total assets | 41.6600% | 4,253 |
| Net loans and leases to deposits | 43.9044% | 4,422 |
| Net loans and leases to core deposits | 45.4579% | 4,455 |
| Total domestic deposits to total assets | 94.8879% | 5 |
| Equity capital to assets | 5.0192% | 4,965 |
| Core capital (leverage) ratio | 5.4103% | 4,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9234% | 1,316 |
| Memoranda: | ||
| Average total assets | $687,439,500 | 1,307 |
| Average earning assets | $673,527,000 | 1,255 |
| Average equity | $36,655,500 | 2,221 |
| Average total loans | $301,421,000 | 1,739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 4,277 |
| Cost of funding earning assets | 0.1932% | 4,599 |
| Net interest margin | 3.1439% | 3,510 |
| Noninterest income to average assets | 0.4822% | 2,715 |
| Noninterest expense to average assets | 2.0708% | 3,997 |
| Loan and lease loss provision to assets | 0.0005% | 4,318 |
| Net operating income to assets | 1.4775% | 859 |
| Return on assets (ROA) | 1.5046% | 871 |
| Pretax return on assets | 1.5046% | 1,318 |
| Return on Equity (ROE) | 23.7790% | 127 |
| Retained earnings to average equity (ytd only) | 3.1175% | 3,281 |
| Net charge-offs to loans | 0.0013% | 3,375 |
| Credit loss provision to net charge-offs | 75.0000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 2,232.7500% | 43 |
| Efficiency ratio | 58.3520% | 3,676 |
| Assets per employee ($millions) | 7.3555% | 1,362 |
| Cash dividends to net income (ytd only)* | 86.8896% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,548 |
| Loan loss allowance to noncurrent loans | 134.3698% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 2,505 |
| Noncurrent loans to loans | 0.8052% | 1,737 |
| Net loans and leases to total assets | 45.2625% | 4,175 |
| Net loans and leases to deposits | 48.0261% | 4,392 |
| Net loans and leases to core deposits | 49.6050% | 4,435 |
| Total domestic deposits to total assets | 94.2457% | 4 |
| Equity capital to assets | 5.6765% | 4,984 |
| Core capital (leverage) ratio | 5.3379% | 4,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2048% | 1,467 |
| Memoranda: | ||
| Average total assets | $604,262,800 | 1,324 |
| Average earning assets | $589,399,800 | 1,282 |
| Average equity | $38,235,400 | 2,087 |
| Average total loans | $304,246,600 | 1,667 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 4,258 |
| Cost of funding earning assets | 0.2121% | 4,626 |
| Net interest margin | 3.2575% | 3,316 |
| Noninterest income to average assets | 0.4811% | 2,693 |
| Noninterest expense to average assets | 2.1137% | 3,911 |
| Loan and lease loss provision to assets | 0.0007% | 4,236 |
| Net operating income to assets | 1.5411% | 832 |
| Return on assets (ROA) | 1.5781% | 840 |
| Pretax return on assets | 1.5781% | 1,250 |
| Return on Equity (ROE) | 24.2497% | 130 |
| Retained earnings to average equity (ytd only) | 12.1300% | 410 |
| Net charge-offs to loans | 0.0022% | 3,111 |
| Credit loss provision to net charge-offs | 60.0000% | 2,853 |
| Earnings coverage of net charge-offs (x) | 1,368.4000% | 85 |
| Efficiency ratio | 57.8227% | 3,690 |
| Assets per employee ($millions) | 6.9343% | 1,549 |
| Cash dividends to net income (ytd only)* | 49.9786% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,406 |
| Loan loss allowance to noncurrent loans | 162.6192% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,886 |
| Noncurrent loans to loans | 0.6528% | 2,157 |
| Net loans and leases to total assets | 47.8694% | 4,220 |
| Net loans and leases to deposits | 51.2458% | 4,440 |
| Net loans and leases to core deposits | 52.9313% | 4,491 |
| Total domestic deposits to total assets | 93.4113% | 10 |
| Equity capital to assets | 6.4215% | 4,991 |
| Core capital (leverage) ratio | 5.8612% | 5,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1427% | 1,220 |
| Memoranda: | ||
| Average total assets | $591,668,250 | 1,328 |
| Average earning assets | $576,576,250 | 1,283 |
| Average equity | $38,504,000 | 2,068 |
| Average total loans | $305,421,250 | 1,663 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,181 |
| Cost of funding earning assets | 0.2276% | 4,694 |
| Net interest margin | 3.4184% | 3,040 |
| Noninterest income to average assets | 0.4529% | 2,792 |
| Noninterest expense to average assets | 2.1461% | 3,935 |
| Loan and lease loss provision to assets | 0.0010% | 4,132 |
| Net operating income to assets | 1.6341% | 704 |
| Return on assets (ROA) | 1.6908% | 685 |
| Pretax return on assets | 1.6908% | 1,020 |
| Return on Equity (ROE) | 25.8566% | 98 |
| Retained earnings to average equity (ytd only) | 15.2835% | 210 |
| Net charge-offs to loans | 0.0013% | 2,979 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 2,365.0000% | 35 |
| Efficiency ratio | 56.7563% | 3,855 |
| Assets per employee ($millions) | 6.7248% | 1,609 |
| Cash dividends to net income (ytd only)* | 40.8914% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,365 |
| Loan loss allowance to noncurrent loans | 162.3123% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,020 |
| Noncurrent loans to loans | 0.6407% | 2,263 |
| Net loans and leases to total assets | 49.8781% | 4,166 |
| Net loans and leases to deposits | 53.4626% | 4,402 |
| Net loans and leases to core deposits | 55.2553% | 4,455 |
| Total domestic deposits to total assets | 93.2954% | 11 |
| Equity capital to assets | 6.5562% | 5,011 |
| Core capital (leverage) ratio | 6.0415% | 5,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6910% | 1,319 |
| Memoranda: | ||
| Average total assets | $578,550,667 | 1,331 |
| Average earning assets | $563,309,333 | 1,289 |
| Average equity | $37,831,667 | 2,088 |
| Average total loans | $305,459,333 | 1,646 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 4,240 |
| Cost of funding earning assets | 0.2538% | 4,764 |
| Net interest margin | 3.5427% | 2,840 |
| Noninterest income to average assets | 0.4469% | 2,809 |
| Noninterest expense to average assets | 2.2475% | 3,893 |
| Loan and lease loss provision to assets | 0.0021% | 3,704 |
| Net operating income to assets | 1.6459% | 566 |
| Return on assets (ROA) | 1.6480% | 621 |
| Pretax return on assets | 1.6480% | 956 |
| Return on Equity (ROE) | 25.2396% | 65 |
| Retained earnings to average equity (ytd only) | 25.2396% | 31 |
| Net charge-offs to loans | 0.0040% | 2,437 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 767.0000% | 77 |
| Efficiency ratio | 57.6944% | 4,039 |
| Assets per employee ($millions) | 5.9850% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,329 |
| Loan loss allowance to noncurrent loans | 147.9471% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 2,916 |
| Noncurrent loans to loans | 0.7274% | 2,178 |
| Net loans and leases to total assets | 51.8843% | 4,123 |
| Net loans and leases to deposits | 55.7411% | 4,377 |
| Net loans and leases to core deposits | 57.7592% | 4,442 |
| Total domestic deposits to total assets | 93.0808% | 11 |
| Equity capital to assets | 6.8294% | 5,077 |
| Core capital (leverage) ratio | 6.3616% | 5,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1094% | 1,575 |
| Memoranda: | ||
| Average total assets | $558,484,000 | 1,337 |
| Average earning assets | $543,658,500 | 1,278 |
| Average equity | $36,466,500 | 2,130 |
| Average total loans | $302,273,500 | 1,634 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 4,053 |
| Cost of funding earning assets | 0.2427% | 4,865 |
| Net interest margin | 3.8524% | 2,326 |
| Noninterest income to average assets | 0.4744% | 2,881 |
| Noninterest expense to average assets | 2.2819% | 3,988 |
| Loan and lease loss provision to assets | 0.0157% | 3,702 |
| Net operating income to assets | 1.9420% | 397 |
| Return on assets (ROA) | 1.9797% | 385 |
| Pretax return on assets | 1.9797% | 626 |
| Return on Equity (ROE) | 31.0403% | 37 |
| Retained earnings to average equity (ytd only) | 2.9848% | 3,539 |
| Net charge-offs to loans | -0.0059% | 4,367 |
| Credit loss provision to net charge-offs | -466.6667% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8227% | 4,437 |
| Assets per employee ($millions) | 5.3177% | 2,226 |
| Cash dividends to net income (ytd only)* | 90.3843% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,111 |
| Loan loss allowance to noncurrent loans | 159.5472% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,755 |
| Noncurrent loans to loans | 0.6702% | 2,211 |
| Net loans and leases to total assets | 55.3007% | 3,969 |
| Net loans and leases to deposits | 59.0067% | 4,333 |
| Net loans and leases to core deposits | 61.2362% | 4,378 |
| Total domestic deposits to total assets | 93.7195% | 9 |
| Equity capital to assets | 6.2120% | 5,164 |
| Core capital (leverage) ratio | 6.1131% | 5,163 |
| Tier 1 risk-based capital ratio | 14.1323% | 3,200 |
| Total risk-based capital ratio | 15.3837% | 3,113 |
| Memoranda: | ||
| Average total assets | $533,716,200 | 1,346 |
| Average earning assets | $521,648,000 | 1,287 |
| Average equity | $34,039,600 | 2,185 |
| Average total loans | $305,781,400 | 1,580 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 4,083 |
| Cost of funding earning assets | 0.2347% | 4,964 |
| Net interest margin | 3.8972% | 2,265 |
| Noninterest income to average assets | 0.4713% | 2,897 |
| Noninterest expense to average assets | 2.2798% | 4,004 |
| Loan and lease loss provision to assets | 0.0158% | 3,593 |
| Net operating income to assets | 1.9829% | 409 |
| Return on assets (ROA) | 2.0328% | 388 |
| Pretax return on assets | 2.0328% | 643 |
| Return on Equity (ROE) | 31.6623% | 34 |
| Retained earnings to average equity (ytd only) | 11.5413% | 444 |
| Net charge-offs to loans | -0.0096% | 4,361 |
| Credit loss provision to net charge-offs | -286.3636% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2860% | 4,468 |
| Assets per employee ($millions) | 5.7445% | 1,807 |
| Cash dividends to net income (ytd only)* | 63.5489% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,286 |
| Loan loss allowance to noncurrent loans | 154.2584% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 2,964 |
| Noncurrent loans to loans | 0.6807% | 2,261 |
| Net loans and leases to total assets | 56.2602% | 4,030 |
| Net loans and leases to deposits | 60.3768% | 4,362 |
| Net loans and leases to core deposits | 62.7090% | 4,430 |
| Total domestic deposits to total assets | 93.1818% | 9 |
| Equity capital to assets | 6.6680% | 5,233 |
| Core capital (leverage) ratio | 6.5272% | 5,237 |
| Tier 1 risk-based capital ratio | 15.0007% | 2,843 |
| Total risk-based capital ratio | 16.2521% | 2,777 |
| Memoranda: | ||
| Average total assets | $531,544,000 | 1,351 |
| Average earning assets | $519,261,750 | 1,295 |
| Average equity | $34,126,000 | 2,200 |
| Average total loans | $306,427,750 | 1,591 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 4,043 |
| Cost of funding earning assets | 0.2216% | 5,026 |
| Net interest margin | 3.9305% | 2,154 |
| Noninterest income to average assets | 0.4709% | 2,834 |
| Noninterest expense to average assets | 2.2900% | 4,030 |
| Loan and lease loss provision to assets | 0.0185% | 3,416 |
| Net operating income to assets | 1.9999% | 388 |
| Return on assets (ROA) | 2.0721% | 359 |
| Pretax return on assets | 2.0721% | 589 |
| Return on Equity (ROE) | 32.7051% | 33 |
| Retained earnings to average equity (ytd only) | 17.4809% | 91 |
| Net charge-offs to loans | -0.0150% | 4,452 |
| Credit loss provision to net charge-offs | -213.0435% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1519% | 4,547 |
| Assets per employee ($millions) | 5.8145% | 1,682 |
| Cash dividends to net income (ytd only)* | 46.5498% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,403 |
| Loan loss allowance to noncurrent loans | 170.4883% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 3,067 |
| Noncurrent loans to loans | 0.6087% | 2,437 |
| Net loans and leases to total assets | 57.2610% | 3,983 |
| Net loans and leases to deposits | 61.4128% | 4,356 |
| Net loans and leases to core deposits | 63.7932% | 4,425 |
| Total domestic deposits to total assets | 93.2396% | 9 |
| Equity capital to assets | 6.6593% | 5,282 |
| Core capital (leverage) ratio | 6.6126% | 5,275 |
| Tier 1 risk-based capital ratio | 14.9088% | 2,883 |
| Total risk-based capital ratio | 16.1599% | 2,801 |
| Memoranda: | ||
| Average total assets | $528,731,330 | 1,357 |
| Average earning assets | $516,215,670 | 1,300 |
| Average equity | $33,499,330 | 2,224 |
| Average total loans | $306,230,670 | 1,593 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,908 |
| Cost of funding earning assets | 0.2098% | 5,095 |
| Net interest margin | 3.9782% | 1,919 |
| Noninterest income to average assets | 0.4208% | 3,041 |
| Noninterest expense to average assets | 2.3134% | 3,983 |
| Loan and lease loss provision to assets | 0.0259% | 3,091 |
| Net operating income to assets | 1.9626% | 415 |
| Return on assets (ROA) | 2.0973% | 340 |
| Pretax return on assets | 2.0973% | 529 |
| Return on Equity (ROE) | 33.9854% | 35 |
| Retained earnings to average equity (ytd only) | 33.9854% | 19 |
| Net charge-offs to loans | -0.0013% | 3,821 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7768% | 4,554 |
| Assets per employee ($millions) | 5.5457% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,501 |
| Loan loss allowance to noncurrent loans | 157.1004% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 2,194 |
| Noncurrent loans to loans | 0.6585% | 2,370 |
| Net loans and leases to total assets | 57.6524% | 3,929 |
| Net loans and leases to deposits | 61.7424% | 4,317 |
| Net loans and leases to core deposits | 64.0898% | 4,374 |
| Total domestic deposits to total assets | 93.3756% | 16 |
| Equity capital to assets | 6.5308% | 5,333 |
| Core capital (leverage) ratio | 6.6373% | 5,334 |
| Tier 1 risk-based capital ratio | 14.5678% | 3,077 |
| Total risk-based capital ratio | 15.8184% | 2,996 |
| Memoranda: | ||
| Average total assets | $525,629,500 | 1,372 |
| Average earning assets | $512,798,500 | 1,309 |
| Average equity | $32,437,500 | 2,279 |
| Average total loans | $304,585,500 | 1,614 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 4,280 |
| Cost of funding earning assets | 0.1621% | 5,142 |
| Net interest margin | 3.7362% | 2,916 |
| Noninterest income to average assets | 0.4736% | 2,977 |
| Noninterest expense to average assets | 2.2762% | 4,173 |
| Loan and lease loss provision to assets | 0.0552% | 3,067 |
| Net operating income to assets | 1.7810% | 576 |
| Return on assets (ROA) | 1.7797% | 574 |
| Pretax return on assets | 1.7797% | 973 |
| Return on Equity (ROE) | 29.7878% | 39 |
| Retained earnings to average equity (ytd only) | 3.3956% | 3,723 |
| Net charge-offs to loans | 0.0007% | 3,761 |
| Credit loss provision to net charge-offs | 14,350.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 4,774.5000% | 11 |
| Efficiency ratio | 55.3493% | 4,480 |
| Assets per employee ($millions) | 5.2971% | 2,149 |
| Cash dividends to net income (ytd only)* | 88.6008% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,451 |
| Loan loss allowance to noncurrent loans | 91.9204% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 2,093 |
| Noncurrent loans to loans | 1.1302% | 1,418 |
| Net loans and leases to total assets | 57.0384% | 4,043 |
| Net loans and leases to deposits | 60.5993% | 4,450 |
| Net loans and leases to core deposits | 62.9077% | 4,498 |
| Total domestic deposits to total assets | 94.1239% | 10 |
| Equity capital to assets | 5.8099% | 5,385 |
| Core capital (leverage) ratio | 6.0898% | 5,382 |
| Tier 1 risk-based capital ratio | 13.4634% | 3,569 |
| Total risk-based capital ratio | 14.7139% | 3,472 |
| Memoranda: | ||
| Average total assets | $520,035,800 | 1,356 |
| Average earning assets | $506,473,000 | 1,299 |
| Average equity | $31,069,800 | 2,280 |
| Average total loans | $290,046,400 | 1,635 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 4,345 |
| Cost of funding earning assets | 0.1571% | 5,199 |
| Net interest margin | 3.6803% | 3,086 |
| Noninterest income to average assets | 0.4694% | 3,046 |
| Noninterest expense to average assets | 2.2643% | 4,184 |
| Loan and lease loss provision to assets | 0.0635% | 2,703 |
| Net operating income to assets | 1.7224% | 707 |
| Return on assets (ROA) | 1.7206% | 717 |
| Pretax return on assets | 1.7206% | 1,227 |
| Return on Equity (ROE) | 28.6004% | 44 |
| Retained earnings to average equity (ytd only) | 11.3044% | 588 |
| Net charge-offs to loans | 0.0019% | 3,426 |
| Credit loss provision to net charge-offs | 6,175.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,738.7936% | 39 |
| Efficiency ratio | 55.9059% | 4,403 |
| Assets per employee ($millions) | 4.9853% | 2,485 |
| Cash dividends to net income (ytd only)* | 60.4749% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,569 |
| Loan loss allowance to noncurrent loans | 108.5464% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,556 |
| Noncurrent loans to loans | 0.9519% | 1,790 |
| Net loans and leases to total assets | 56.7034% | 4,159 |
| Net loans and leases to deposits | 60.3316% | 4,528 |
| Net loans and leases to core deposits | 62.6819% | 4,588 |
| Total domestic deposits to total assets | 93.9862% | 13 |
| Equity capital to assets | 5.9007% | 5,451 |
| Core capital (leverage) ratio | 6.3931% | 5,447 |
| Tier 1 risk-based capital ratio | 14.2262% | 3,258 |
| Total risk-based capital ratio | 15.4766% | 3,171 |
| Memoranda: | ||
| Average total assets | $518,941,000 | 1,360 |
| Average earning assets | $504,907,000 | 1,300 |
| Average equity | $31,220,250 | 2,270 |
| Average total loans | $286,993,500 | 1,653 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,407 |
| Cost of funding earning assets | 0.1530% | 5,232 |
| Net interest margin | 3.6203% | 3,235 |
| Noninterest income to average assets | 0.4746% | 3,008 |
| Noninterest expense to average assets | 2.2383% | 4,282 |
| Loan and lease loss provision to assets | 0.0703% | 2,476 |
| Net operating income to assets | 1.6868% | 745 |
| Return on assets (ROA) | 1.6841% | 755 |
| Pretax return on assets | 1.6841% | 1,257 |
| Return on Equity (ROE) | 27.8127% | 48 |
| Retained earnings to average equity (ytd only) | 15.3650% | 182 |
| Net charge-offs to loans | 0.0007% | 3,195 |
| Credit loss provision to net charge-offs | 18,200.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 4,546.0000% | 11 |
| Efficiency ratio | 56.0221% | 4,473 |
| Assets per employee ($millions) | 4.9803% | 2,448 |
| Cash dividends to net income (ytd only)* | 44.7556% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,519 |
| Loan loss allowance to noncurrent loans | 101.3689% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,511 |
| Noncurrent loans to loans | 1.0387% | 1,689 |
| Net loans and leases to total assets | 54.5569% | 4,288 |
| Net loans and leases to deposits | 58.0857% | 4,637 |
| Net loans and leases to core deposits | 60.3361% | 4,687 |
| Total domestic deposits to total assets | 93.9249% | 18 |
| Equity capital to assets | 5.9788% | 5,506 |
| Core capital (leverage) ratio | 6.3754% | 5,507 |
| Tier 1 risk-based capital ratio | 14.6594% | 3,035 |
| Total risk-based capital ratio | 15.9102% | 2,961 |
| Memoranda: | ||
| Average total assets | $517,435,000 | 1,365 |
| Average earning assets | $503,215,000 | 1,310 |
| Average equity | $31,331,000 | 2,269 |
| Average total loans | $282,685,330 | 1,676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 4,526 |
| Cost of funding earning assets | 0.1481% | 5,281 |
| Net interest margin | 3.5262% | 3,436 |
| Noninterest income to average assets | 0.4811% | 2,930 |
| Noninterest expense to average assets | 2.1978% | 4,425 |
| Loan and lease loss provision to assets | 0.0738% | 2,289 |
| Net operating income to assets | 1.6321% | 794 |
| Return on assets (ROA) | 1.6266% | 809 |
| Pretax return on assets | 1.6266% | 1,309 |
| Return on Equity (ROE) | 26.6930% | 70 |
| Retained earnings to average equity (ytd only) | 26.6930% | 34 |
| Net charge-offs to loans | 0.0014% | 2,681 |
| Credit loss provision to net charge-offs | 9,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 2,195.0000% | 23 |
| Efficiency ratio | 56.3010% | 4,544 |
| Assets per employee ($millions) | 5.0902% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,706 |
| Loan loss allowance to noncurrent loans | 95.3458% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 2,510 |
| Noncurrent loans to loans | 1.0944% | 1,673 |
| Net loans and leases to total assets | 54.4171% | 4,246 |
| Net loans and leases to deposits | 58.0089% | 4,581 |
| Net loans and leases to core deposits | 60.2751% | 4,637 |
| Total domestic deposits to total assets | 93.8083% | 20 |
| Equity capital to assets | 6.1162% | 5,566 |
| Core capital (leverage) ratio | 6.4523% | 5,557 |
| Tier 1 risk-based capital ratio | 14.8737% | 2,938 |
| Total risk-based capital ratio | 16.1243% | 2,870 |
| Memoranda: | ||
| Average total assets | $514,685,000 | 1,381 |
| Average earning assets | $499,574,500 | 1,328 |
| Average equity | $31,364,000 | 2,280 |
| Average total loans | $279,861,500 | 1,696 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 4,571 |
| Cost of funding earning assets | 0.1464% | 5,281 |
| Net interest margin | 3.4570% | 3,662 |
| Noninterest income to average assets | 0.4553% | 3,275 |
| Noninterest expense to average assets | 2.1490% | 4,652 |
| Loan and lease loss provision to assets | 0.0444% | 3,354 |
| Net operating income to assets | 1.6107% | 637 |
| Return on assets (ROA) | 1.6193% | 645 |
| Pretax return on assets | 1.6193% | 1,242 |
| Return on Equity (ROE) | 24.3501% | 76 |
| Retained earnings to average equity (ytd only) | 0.1443% | 4,955 |
| Net charge-offs to loans | 0.0045% | 3,928 |
| Credit loss provision to net charge-offs | 1,850.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 689.7500% | 121 |
| Efficiency ratio | 56.4918% | 4,715 |
| Assets per employee ($millions) | 5.3673% | 2,089 |
| Cash dividends to net income (ytd only)* | 99.4073% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,739 |
| Loan loss allowance to noncurrent loans | 89.7234% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 2,180 |
| Noncurrent loans to loans | 1.1487% | 1,547 |
| Net loans and leases to total assets | 53.2069% | 4,423 |
| Net loans and leases to deposits | 56.6792% | 4,761 |
| Net loans and leases to core deposits | 60.1504% | 4,753 |
| Total domestic deposits to total assets | 93.8738% | 16 |
| Equity capital to assets | 6.0715% | 5,629 |
| Core capital (leverage) ratio | 6.0325% | 5,632 |
| Tier 1 risk-based capital ratio | 14.2052% | 3,249 |
| Total risk-based capital ratio | 15.4559% | 3,144 |
| Memoranda: | ||
| Average total assets | $500,094,600 | 1,403 |
| Average earning assets | $484,434,400 | 1,346 |
| Average equity | $33,256,600 | 2,161 |
| Average total loans | $266,657,800 | 1,727 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5905% | 4,588 |
| Cost of funding earning assets | 0.1443% | 5,347 |
| Net interest margin | 3.4461% | 3,689 |
| Noninterest income to average assets | 0.4621% | 3,264 |
| Noninterest expense to average assets | 2.1596% | 4,616 |
| Loan and lease loss provision to assets | 0.0430% | 3,242 |
| Net operating income to assets | 1.5947% | 728 |
| Return on assets (ROA) | 1.6062% | 724 |
| Pretax return on assets | 1.6062% | 1,398 |
| Return on Equity (ROE) | 23.6203% | 93 |
| Retained earnings to average equity (ytd only) | 8.8058% | 911 |
| Net charge-offs to loans | 0.0045% | 3,569 |
| Credit loss provision to net charge-offs | 1,777.7778% | 223 |
| Earnings coverage of net charge-offs (x) | 677.3167% | 149 |
| Efficiency ratio | 56.8730% | 4,627 |
| Assets per employee ($millions) | 5.1923% | 2,233 |
| Cash dividends to net income (ytd only)* | 62.7196% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,902 |
| Loan loss allowance to noncurrent loans | 89.8458% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 2,503 |
| Noncurrent loans to loans | 1.1461% | 1,674 |
| Net loans and leases to total assets | 52.8145% | 4,512 |
| Net loans and leases to deposits | 56.7245% | 4,826 |
| Net loans and leases to core deposits | 60.3473% | 4,798 |
| Total domestic deposits to total assets | 93.1071% | 22 |
| Equity capital to assets | 6.7862% | 5,677 |
| Core capital (leverage) ratio | 6.5229% | 5,683 |
| Tier 1 risk-based capital ratio | 15.3309% | 2,782 |
| Total risk-based capital ratio | 16.5815% | 2,720 |
| Memoranda: | ||
| Average total assets | $496,303,250 | 1,420 |
| Average earning assets | $480,334,750 | 1,365 |
| Average equity | $33,749,750 | 2,155 |
| Average total loans | $264,070,000 | 1,751 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,607 |
| Cost of funding earning assets | 0.1428% | 5,381 |
| Net interest margin | 3.4201% | 3,701 |
| Noninterest income to average assets | 0.4686% | 3,229 |
| Noninterest expense to average assets | 2.1434% | 4,689 |
| Loan and lease loss provision to assets | 0.0569% | 2,835 |
| Net operating income to assets | 1.5777% | 743 |
| Return on assets (ROA) | 1.5846% | 751 |
| Pretax return on assets | 1.5846% | 1,390 |
| Return on Equity (ROE) | 23.2850% | 98 |
| Retained earnings to average equity (ytd only) | 12.2367% | 299 |
| Net charge-offs to loans | 0.0138% | 2,980 |
| Credit loss provision to net charge-offs | 777.7778% | 467 |
| Earnings coverage of net charge-offs (x) | 223.4444% | 379 |
| Efficiency ratio | 56.7341% | 4,741 |
| Assets per employee ($millions) | 4.6320% | 2,888 |
| Cash dividends to net income (ytd only)* | 47.4481% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,980 |
| Loan loss allowance to noncurrent loans | 74.3018% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 2,213 |
| Noncurrent loans to loans | 1.3822% | 1,400 |
| Net loans and leases to total assets | 53.3060% | 4,457 |
| Net loans and leases to deposits | 57.3441% | 4,782 |
| Net loans and leases to core deposits | 61.0786% | 4,765 |
| Total domestic deposits to total assets | 92.9582% | 28 |
| Equity capital to assets | 6.9519% | 5,711 |
| Core capital (leverage) ratio | 6.5979% | 5,731 |
| Tier 1 risk-based capital ratio | 16.5982% | 2,281 |
| Total risk-based capital ratio | 17.8500% | 2,231 |
| Memoranda: | ||
| Average total assets | $492,124,000 | 1,439 |
| Average earning assets | $476,189,330 | 1,379 |
| Average equity | $33,489,330 | 2,164 |
| Average total loans | $261,580,670 | 1,758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 4,673 |
| Cost of funding earning assets | 0.1382% | 5,448 |
| Net interest margin | 3.3685% | 3,772 |
| Noninterest income to average assets | 0.4614% | 3,243 |
| Noninterest expense to average assets | 2.1014% | 4,844 |
| Loan and lease loss provision to assets | 0.0533% | 2,739 |
| Net operating income to assets | 1.5629% | 726 |
| Return on assets (ROA) | 1.5629% | 746 |
| Pretax return on assets | 1.5629% | 1,330 |
| Return on Equity (ROE) | 23.2239% | 116 |
| Retained earnings to average equity (ytd only) | 23.2239% | 64 |
| Net charge-offs to loans | 0.0264% | 2,228 |
| Credit loss provision to net charge-offs | 382.3529% | 670 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 472 |
| Efficiency ratio | 56.5256% | 4,886 |
| Assets per employee ($millions) | 4.9901% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,085 |
| Loan loss allowance to noncurrent loans | 67.3250% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 2,147 |
| Noncurrent loans to loans | 1.5325% | 1,287 |
| Net loans and leases to total assets | 51.7648% | 4,539 |
| Net loans and leases to deposits | 55.5757% | 4,848 |
| Net loans and leases to core deposits | 59.4756% | 4,805 |
| Total domestic deposits to total assets | 93.1428% | 33 |
| Equity capital to assets | 6.7750% | 5,776 |
| Core capital (leverage) ratio | 6.7535% | 5,778 |
| Tier 1 risk-based capital ratio | 16.9327% | 2,200 |
| Total risk-based capital ratio | 18.1844% | 2,159 |
| Memoranda: | ||
| Average total assets | $488,059,500 | 1,454 |
| Average earning assets | $471,783,000 | 1,401 |
| Average equity | $32,845,500 | 2,203 |
| Average total loans | $257,655,000 | 1,787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 5,028 |
| Cost of funding earning assets | 0.1452% | 5,450 |
| Net interest margin | 3.2305% | 4,353 |
| Noninterest income to average assets | 0.4745% | 3,384 |
| Noninterest expense to average assets | 2.2034% | 4,763 |
| Loan and lease loss provision to assets | 0.0670% | 3,030 |
| Net operating income to assets | 1.2836% | 1,253 |
| Return on assets (ROA) | 1.3345% | 1,186 |
| Pretax return on assets | 1.3345% | 2,164 |
| Return on Equity (ROE) | 17.7419% | 347 |
| Retained earnings to average equity (ytd only) | 0.5140% | 5,125 |
| Net charge-offs to loans | 0.0709% | 2,685 |
| Credit loss provision to net charge-offs | 179.1908% | 1,561 |
| Earnings coverage of net charge-offs (x) | 36.1445% | 1,267 |
| Efficiency ratio | 61.9994% | 4,250 |
| Assets per employee ($millions) | 4.7711% | 2,690 |
| Cash dividends to net income (ytd only)* | 97.1031% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 4,074 |
| Loan loss allowance to noncurrent loans | 61.2127% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 1,883 |
| Noncurrent loans to loans | 1.6991% | 1,139 |
| Net loans and leases to total assets | 52.7470% | 4,551 |
| Net loans and leases to deposits | 56.5455% | 4,882 |
| Net loans and leases to core deposits | 60.9155% | 4,811 |
| Total domestic deposits to total assets | 93.2823% | 34 |
| Equity capital to assets | 6.6825% | 5,821 |
| Core capital (leverage) ratio | 6.5229% | 5,839 |
| Tier 1 risk-based capital ratio | 16.2584% | 2,445 |
| Total risk-based capital ratio | 17.5101% | 2,386 |
| Memoranda: | ||
| Average total assets | $463,008,800 | 1,474 |
| Average earning assets | $441,361,200 | 1,443 |
| Average equity | $34,827,200 | 2,088 |
| Average total loans | $244,157,200 | 1,824 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3729% | 5,076 |
| Cost of funding earning assets | 0.1464% | 5,504 |
| Net interest margin | 3.2266% | 4,409 |
| Noninterest income to average assets | 0.4811% | 3,371 |
| Noninterest expense to average assets | 2.2349% | 4,678 |
| Loan and lease loss provision to assets | 0.0682% | 2,857 |
| Net operating income to assets | 1.2422% | 1,483 |
| Return on assets (ROA) | 1.3107% | 1,345 |
| Pretax return on assets | 1.3107% | 2,386 |
| Return on Equity (ROE) | 16.9347% | 452 |
| Retained earnings to average equity (ytd only) | 6.2497% | 2,036 |
| Net charge-offs to loans | 0.0877% | 2,085 |
| Credit loss provision to net charge-offs | 147.7987% | 1,790 |
| Earnings coverage of net charge-offs (x) | 28.4031% | 1,538 |
| Efficiency ratio | 63.0381% | 4,067 |
| Assets per employee ($millions) | 4.7154% | 2,720 |
| Cash dividends to net income (ytd only)* | 63.0950% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 4,122 |
| Loan loss allowance to noncurrent loans | 56.2473% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 1,962 |
| Noncurrent loans to loans | 1.8669% | 1,084 |
| Net loans and leases to total assets | 51.6376% | 4,683 |
| Net loans and leases to deposits | 56.0545% | 4,991 |
| Net loans and leases to core deposits | 60.3364% | 4,917 |
| Total domestic deposits to total assets | 92.1204% | 67 |
| Equity capital to assets | 7.7752% | 5,798 |
| Core capital (leverage) ratio | 6.9818% | 5,884 |
| Tier 1 risk-based capital ratio | 17.6464% | 2,029 |
| Total risk-based capital ratio | 18.8982% | 1,986 |
| Memoranda: | ||
| Average total assets | $459,483,500 | 1,487 |
| Average earning assets | $436,366,000 | 1,457 |
| Average equity | $35,563,250 | 2,059 |
| Average total loans | $241,620,000 | 1,842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 5,090 |
| Cost of funding earning assets | 0.1483% | 5,554 |
| Net interest margin | 3.2467% | 4,391 |
| Noninterest income to average assets | 0.4861% | 3,289 |
| Noninterest expense to average assets | 2.2425% | 4,745 |
| Loan and lease loss provision to assets | 0.0768% | 2,601 |
| Net operating income to assets | 1.2326% | 1,497 |
| Return on assets (ROA) | 1.3314% | 1,288 |
| Pretax return on assets | 1.3314% | 2,282 |
| Return on Equity (ROE) | 17.2289% | 419 |
| Retained earnings to average equity (ytd only) | 10.1260% | 571 |
| Net charge-offs to loans | 0.1016% | 1,816 |
| Credit loss provision to net charge-offs | 143.4426% | 1,648 |
| Earnings coverage of net charge-offs (x) | 24.4426% | 1,546 |
| Efficiency ratio | 63.1351% | 4,162 |
| Assets per employee ($millions) | 4.5849% | 2,892 |
| Cash dividends to net income (ytd only)* | 41.2269% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 4,226 |
| Loan loss allowance to noncurrent loans | 54.1094% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 1,969 |
| Noncurrent loans to loans | 1.9426% | 1,035 |
| Net loans and leases to total assets | 52.0600% | 4,668 |
| Net loans and leases to deposits | 56.5892% | 4,979 |
| Net loans and leases to core deposits | 60.9532% | 4,939 |
| Total domestic deposits to total assets | 91.9964% | 85 |
| Equity capital to assets | 7.9012% | 5,832 |
| Core capital (leverage) ratio | 7.0464% | 5,948 |
| Tier 1 risk-based capital ratio | 17.8536% | 1,977 |
| Total risk-based capital ratio | 19.1058% | 1,932 |
| Memoranda: | ||
| Average total assets | $455,466,000 | 1,504 |
| Average earning assets | $430,101,670 | 1,477 |
| Average equity | $35,196,670 | 2,081 |
| Average total loans | $240,135,330 | 1,857 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,072 |
| Cost of funding earning assets | 0.1501% | 5,610 |
| Net interest margin | 3.2728% | 4,323 |
| Noninterest income to average assets | 0.4738% | 3,320 |
| Noninterest expense to average assets | 2.3017% | 4,660 |
| Loan and lease loss provision to assets | 0.0841% | 2,266 |
| Net operating income to assets | 1.1398% | 1,750 |
| Return on assets (ROA) | 1.1823% | 1,710 |
| Pretax return on assets | 1.1823% | 2,773 |
| Return on Equity (ROE) | 15.4780% | 605 |
| Retained earnings to average equity (ytd only) | 15.4780% | 223 |
| Net charge-offs to loans | 0.0503% | 2,033 |
| Credit loss provision to net charge-offs | 316.6667% | 818 |
| Earnings coverage of net charge-offs (x) | 46.0667% | 933 |
| Efficiency ratio | 65.2851% | 3,927 |
| Assets per employee ($millions) | 4.3639% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,227 |
| Loan loss allowance to noncurrent loans | 45.5157% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 1,660 |
| Noncurrent loans to loans | 2.3501% | 840 |
| Net loans and leases to total assets | 51.9342% | 4,632 |
| Net loans and leases to deposits | 56.3910% | 4,958 |
| Net loans and leases to core deposits | 60.7823% | 4,884 |
| Total domestic deposits to total assets | 92.0967% | 102 |
| Equity capital to assets | 7.8265% | 5,879 |
| Core capital (leverage) ratio | 7.1442% | 5,979 |
| Tier 1 risk-based capital ratio | 17.3937% | 2,151 |
| Total risk-based capital ratio | 18.6456% | 2,126 |
| Memoranda: | ||
| Average total assets | $451,659,500 | 1,518 |
| Average earning assets | $421,165,000 | 1,504 |
| Average equity | $34,500,500 | 2,118 |
| Average total loans | $238,383,000 | 1,869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 5,069 |
| Cost of funding earning assets | 0.1495% | 5,685 |
| Net interest margin | 3.2904% | 4,326 |
| Noninterest income to average assets | 0.5459% | 3,034 |
| Noninterest expense to average assets | 2.4035% | 4,504 |
| Loan and lease loss provision to assets | 0.0694% | 2,899 |
| Net operating income to assets | 1.1367% | 1,784 |
| Return on assets (ROA) | 1.2991% | 1,315 |
| Pretax return on assets | 1.2991% | 2,288 |
| Return on Equity (ROE) | 16.1581% | 540 |
| Retained earnings to average equity (ytd only) | 0.3394% | 5,379 |
| Net charge-offs to loans | 0.1001% | 2,413 |
| Credit loss provision to net charge-offs | 134.5291% | 1,950 |
| Earnings coverage of net charge-offs (x) | 23.3901% | 1,733 |
| Efficiency ratio | 66.5855% | 3,812 |
| Assets per employee ($millions) | 4.1599% | 3,643 |
| Cash dividends to net income (ytd only)* | 97.8996% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 4,251 |
| Loan loss allowance to noncurrent loans | 56.8321% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 2,089 |
| Noncurrent loans to loans | 1.8682% | 1,150 |
| Net loans and leases to total assets | 52.5078% | 4,649 |
| Net loans and leases to deposits | 56.7548% | 4,997 |
| Net loans and leases to core deposits | 61.2563% | 4,911 |
| Total domestic deposits to total assets | 92.5170% | 69 |
| Equity capital to assets | 7.4452% | 5,994 |
| Core capital (leverage) ratio | 7.0387% | 6,048 |
| Tier 1 risk-based capital ratio | 17.0679% | 2,259 |
| Total risk-based capital ratio | 18.3197% | 2,215 |
| Memoranda: | ||
| Average total assets | $432,461,600 | 1,543 |
| Average earning assets | $402,661,200 | 1,522 |
| Average equity | $34,769,000 | 2,050 |
| Average total loans | $222,713,200 | 1,908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 5,139 |
| Cost of funding earning assets | 0.1491% | 5,785 |
| Net interest margin | 3.2804% | 4,427 |
| Noninterest income to average assets | 0.5597% | 2,987 |
| Noninterest expense to average assets | 2.4483% | 4,359 |
| Loan and lease loss provision to assets | 0.0652% | 2,882 |
| Net operating income to assets | 1.1007% | 2,001 |
| Return on assets (ROA) | 1.2209% | 1,647 |
| Pretax return on assets | 1.2209% | 2,730 |
| Return on Equity (ROE) | 14.8997% | 737 |
| Retained earnings to average equity (ytd only) | 5.9925% | 2,253 |
| Net charge-offs to loans | 0.1155% | 1,974 |
| Credit loss provision to net charge-offs | 110.5263% | 2,110 |
| Earnings coverage of net charge-offs (x) | 19.7577% | 1,916 |
| Efficiency ratio | 67.7408% | 3,594 |
| Assets per employee ($millions) | 3.8256% | 4,213 |
| Cash dividends to net income (ytd only)* | 59.7813% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,413 |
| Loan loss allowance to noncurrent loans | 50.9246% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 1,951 |
| Noncurrent loans to loans | 2.0869% | 1,091 |
| Net loans and leases to total assets | 52.7820% | 4,683 |
| Net loans and leases to deposits | 57.6273% | 5,020 |
| Net loans and leases to core deposits | 61.9851% | 4,942 |
| Total domestic deposits to total assets | 91.5921% | 143 |
| Equity capital to assets | 8.2592% | 5,844 |
| Core capital (leverage) ratio | 7.3883% | 6,077 |
| Tier 1 risk-based capital ratio | 18.0375% | 2,015 |
| Total risk-based capital ratio | 19.2888% | 1,984 |
| Memoranda: | ||
| Average total assets | $429,300,750 | 1,563 |
| Average earning assets | $399,741,250 | 1,545 |
| Average equity | $35,176,500 | 2,037 |
| Average total loans | $219,335,750 | 1,937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 5,273 |
| Cost of funding earning assets | 0.1470% | 5,872 |
| Net interest margin | 3.2307% | 4,559 |
| Noninterest income to average assets | 0.5127% | 3,283 |
| Noninterest expense to average assets | 2.4637% | 4,357 |
| Loan and lease loss provision to assets | 0.0560% | 2,986 |
| Net operating income to assets | 1.0007% | 2,388 |
| Return on assets (ROA) | 1.1809% | 1,730 |
| Pretax return on assets | 1.1809% | 2,852 |
| Return on Equity (ROE) | 14.4512% | 828 |
| Retained earnings to average equity (ytd only) | 8.7370% | 1,014 |
| Net charge-offs to loans | 0.0622% | 2,492 |
| Credit loss provision to net charge-offs | 179.1045% | 1,350 |
| Earnings coverage of net charge-offs (x) | 33.7761% | 1,256 |
| Efficiency ratio | 69.9828% | 3,336 |
| Assets per employee ($millions) | 3.8125% | 4,236 |
| Cash dividends to net income (ytd only)* | 39.5413% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,235 |
| Loan loss allowance to noncurrent loans | 69.1537% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 2,529 |
| Noncurrent loans to loans | 1.6166% | 1,621 |
| Net loans and leases to total assets | 50.9978% | 4,849 |
| Net loans and leases to deposits | 55.4850% | 5,161 |
| Net loans and leases to core deposits | 59.6149% | 5,097 |
| Total domestic deposits to total assets | 91.9127% | 134 |
| Equity capital to assets | 7.9580% | 6,004 |
| Core capital (leverage) ratio | 7.2880% | 6,141 |
| Tier 1 risk-based capital ratio | 18.9810% | 1,795 |
| Total risk-based capital ratio | 20.2338% | 1,765 |
| Memoranda: | ||
| Average total assets | $428,302,670 | 1,574 |
| Average earning assets | $398,741,670 | 1,554 |
| Average equity | $35,000,670 | 2,055 |
| Average total loans | $215,572,670 | 1,969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,365 |
| Cost of funding earning assets | 0.1470% | 5,954 |
| Net interest margin | 3.1850% | 4,664 |
| Noninterest income to average assets | 0.5189% | 3,159 |
| Noninterest expense to average assets | 2.5468% | 4,112 |
| Loan and lease loss provision to assets | 0.0609% | 2,712 |
| Net operating income to assets | 0.8739% | 2,876 |
| Return on assets (ROA) | 0.9975% | 2,410 |
| Pretax return on assets | 0.9975% | 3,518 |
| Return on Equity (ROE) | 12.0479% | 1,334 |
| Retained earnings to average equity (ytd only) | 12.0479% | 565 |
| Net charge-offs to loans | 0.0886% | 1,831 |
| Credit loss provision to net charge-offs | 138.2979% | 1,318 |
| Earnings coverage of net charge-offs (x) | 21.2340% | 1,385 |
| Efficiency ratio | 73.1504% | 2,965 |
| Assets per employee ($millions) | 3.6680% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 4,291 |
| Loan loss allowance to noncurrent loans | 60.9356% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 2,215 |
| Noncurrent loans to loans | 1.8785% | 1,430 |
| Net loans and leases to total assets | 49.2816% | 4,914 |
| Net loans and leases to deposits | 53.9014% | 5,196 |
| Net loans and leases to core deposits | 57.9487% | 5,125 |
| Total domestic deposits to total assets | 91.4293% | 245 |
| Equity capital to assets | 8.4878% | 5,750 |
| Core capital (leverage) ratio | 7.4636% | 6,153 |
| Tier 1 risk-based capital ratio | 19.2212% | 1,809 |
| Total risk-based capital ratio | 20.4746% | 1,765 |
| Memoranda: | ||
| Average total assets | $427,048,500 | 1,583 |
| Average earning assets | $397,240,500 | 1,569 |
| Average equity | $35,359,000 | 2,046 |
| Average total loans | $212,265,000 | 2,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 5,548 |
| Cost of funding earning assets | 0.1567% | 6,060 |
| Net interest margin | 3.2351% | 4,814 |
| Noninterest income to average assets | 0.5766% | 3,012 |
| Noninterest expense to average assets | 2.8049% | 3,459 |
| Loan and lease loss provision to assets | 0.0747% | 2,986 |
| Net operating income to assets | 0.7055% | 3,865 |
| Return on assets (ROA) | 0.8094% | 3,416 |
| Pretax return on assets | 0.8094% | 4,222 |
| Return on Equity (ROE) | 10.5601% | 1,874 |
| Retained earnings to average equity (ytd only) | 0.3436% | 5,621 |
| Net charge-offs to loans | 0.2699% | 1,600 |
| Credit loss provision to net charge-offs | 57.5868% | 3,335 |
| Earnings coverage of net charge-offs (x) | 6.0110% | 3,292 |
| Efficiency ratio | 78.2367% | 2,176 |
| Assets per employee ($millions) | 3.6012% | 4,715 |
| Cash dividends to net income (ytd only)* | 96.7458% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,257 |
| Loan loss allowance to noncurrent loans | 57.8396% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 2,141 |
| Noncurrent loans to loans | 1.9959% | 1,390 |
| Net loans and leases to total assets | 48.9844% | 5,069 |
| Net loans and leases to deposits | 53.3150% | 5,380 |
| Net loans and leases to core deposits | 57.5156% | 5,283 |
| Total domestic deposits to total assets | 91.8774% | 163 |
| Equity capital to assets | 8.0699% | 6,034 |
| Core capital (leverage) ratio | 7.1511% | 6,287 |
| Tier 1 risk-based capital ratio | 17.9919% | 2,143 |
| Total risk-based capital ratio | 19.2439% | 2,105 |
| Memoranda: | ||
| Average total assets | $421,404,800 | 1,576 |
| Average earning assets | $391,887,600 | 1,557 |
| Average equity | $32,300,800 | 2,152 |
| Average total loans | $202,635,600 | 2,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3807% | 5,623 |
| Cost of funding earning assets | 0.1572% | 6,142 |
| Net interest margin | 3.2235% | 4,882 |
| Noninterest income to average assets | 0.5742% | 3,036 |
| Noninterest expense to average assets | 2.8649% | 3,243 |
| Loan and lease loss provision to assets | 0.0666% | 3,016 |
| Net operating income to assets | 0.6401% | 4,259 |
| Return on assets (ROA) | 0.7654% | 3,690 |
| Pretax return on assets | 0.7654% | 4,484 |
| Return on Equity (ROE) | 10.1204% | 2,160 |
| Retained earnings to average equity (ytd only) | 3.9366% | 3,845 |
| Net charge-offs to loans | 0.3223% | 1,238 |
| Credit loss provision to net charge-offs | 43.2990% | 3,232 |
| Earnings coverage of net charge-offs (x) | 4.5959% | 3,417 |
| Efficiency ratio | 80.2130% | 1,878 |
| Assets per employee ($millions) | 3.6050% | 4,671 |
| Cash dividends to net income (ytd only)* | 61.1019% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 4,442 |
| Loan loss allowance to noncurrent loans | 65.4247% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 2,397 |
| Noncurrent loans to loans | 1.7739% | 1,829 |
| Net loans and leases to total assets | 48.2181% | 5,187 |
| Net loans and leases to deposits | 52.4361% | 5,506 |
| Net loans and leases to core deposits | 56.5535% | 5,415 |
| Total domestic deposits to total assets | 91.9559% | 164 |
| Equity capital to assets | 7.9014% | 6,180 |
| Core capital (leverage) ratio | 7.3999% | 6,312 |
| Tier 1 risk-based capital ratio | 19.1316% | 1,873 |
| Total risk-based capital ratio | 20.3843% | 1,837 |
| Memoranda: | ||
| Average total assets | $420,521,250 | 1,587 |
| Average earning assets | $391,037,000 | 1,571 |
| Average equity | $31,803,000 | 2,187 |
| Average total loans | $200,648,250 | 2,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3656% | 5,687 |
| Cost of funding earning assets | 0.1571% | 6,222 |
| Net interest margin | 3.2085% | 4,916 |
| Noninterest income to average assets | 0.5661% | 3,007 |
| Noninterest expense to average assets | 2.8922% | 3,192 |
| Loan and lease loss provision to assets | 0.0714% | 2,843 |
| Net operating income to assets | 0.5880% | 4,419 |
| Return on assets (ROA) | 0.7165% | 3,848 |
| Pretax return on assets | 0.7165% | 4,585 |
| Return on Equity (ROE) | 9.6181% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.6589% | 3,181 |
| Net charge-offs to loans | 0.6122% | 654 |
| Credit loss provision to net charge-offs | 24.6305% | 3,125 |
| Earnings coverage of net charge-offs (x) | 2.2742% | 3,584 |
| Efficiency ratio | 81.4343% | 1,814 |
| Assets per employee ($millions) | 3.5753% | 4,709 |
| Cash dividends to net income (ytd only)* | 51.5615% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 4,868 |
| Loan loss allowance to noncurrent loans | 52.8537% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 2,068 |
| Noncurrent loans to loans | 2.0974% | 1,594 |
| Net loans and leases to total assets | 46.2130% | 5,344 |
| Net loans and leases to deposits | 50.1593% | 5,626 |
| Net loans and leases to core deposits | 54.1949% | 5,536 |
| Total domestic deposits to total assets | 92.1325% | 156 |
| Equity capital to assets | 7.7507% | 6,274 |
| Core capital (leverage) ratio | 7.2932% | 6,376 |
| Tier 1 risk-based capital ratio | 19.6186% | 1,777 |
| Total risk-based capital ratio | 20.8704% | 1,746 |
| Memoranda: | ||
| Average total assets | $420,099,670 | 1,588 |
| Average earning assets | $390,896,330 | 1,573 |
| Average equity | $31,295,000 | 2,200 |
| Average total loans | $198,942,670 | 2,057 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3894% | 5,670 |
| Cost of funding earning assets | 0.1565% | 6,317 |
| Net interest margin | 3.2329% | 4,808 |
| Noninterest income to average assets | 0.5683% | 2,927 |
| Noninterest expense to average assets | 2.9313% | 3,115 |
| Loan and lease loss provision to assets | 0.0719% | 2,702 |
| Net operating income to assets | 0.5730% | 4,338 |
| Return on assets (ROA) | 0.7800% | 3,334 |
| Pretax return on assets | 0.7800% | 4,182 |
| Return on Equity (ROE) | 10.6914% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.6914% | 798 |
| Net charge-offs to loans | 0.2492% | 1,329 |
| Credit loss provision to net charge-offs | 60.4839% | 2,099 |
| Earnings coverage of net charge-offs (x) | 5.4274% | 2,370 |
| Efficiency ratio | 81.9668% | 1,929 |
| Assets per employee ($millions) | 3.5388% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,063 |
| Loan loss allowance to noncurrent loans | 38.4186% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0770% | 1,621 |
| Noncurrent loans to loans | 3.4147% | 872 |
| Net loans and leases to total assets | 46.3061% | 5,305 |
| Net loans and leases to deposits | 50.0380% | 5,597 |
| Net loans and leases to core deposits | 54.0362% | 5,495 |
| Total domestic deposits to total assets | 92.5417% | 162 |
| Equity capital to assets | 7.3992% | 6,342 |
| Core capital (leverage) ratio | 7.4604% | 6,350 |
| Tier 1 risk-based capital ratio | 19.8050% | 1,765 |
| Total risk-based capital ratio | 21.0602% | 1,730 |
| Memoranda: | ||
| Average total assets | $417,420,500 | 1,606 |
| Average earning assets | $388,384,500 | 1,592 |
| Average equity | $30,454,500 | 2,247 |
| Average total loans | $199,003,500 | 2,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 5,672 |
| Cost of funding earning assets | 0.1645% | 6,473 |
| Net interest margin | 3.3209% | 4,586 |
| Noninterest income to average assets | 0.7450% | 2,313 |
| Noninterest expense to average assets | 2.8806% | 3,428 |
| Loan and lease loss provision to assets | 0.1467% | 2,461 |
| Net operating income to assets | 0.8073% | 3,257 |
| Return on assets (ROA) | 1.0577% | 2,164 |
| Pretax return on assets | 1.0577% | 3,119 |
| Return on Equity (ROE) | 12.2665% | 1,336 |
| Retained earnings to average equity (ytd only) | 0.2864% | 5,717 |
| Net charge-offs to loans | 0.4541% | 1,457 |
| Credit loss provision to net charge-offs | 66.2983% | 3,396 |
| Earnings coverage of net charge-offs (x) | 4.3116% | 3,605 |
| Efficiency ratio | 75.1211% | 2,930 |
| Assets per employee ($millions) | 3.3622% | 5,174 |
| Cash dividends to net income (ytd only)* | 97.6653% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,940 |
| Loan loss allowance to noncurrent loans | 38.2121% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2980% | 1,534 |
| Noncurrent loans to loans | 3.5064% | 892 |
| Net loans and leases to total assets | 47.8049% | 5,311 |
| Net loans and leases to deposits | 51.5262% | 5,662 |
| Net loans and leases to core deposits | 55.1649% | 5,602 |
| Total domestic deposits to total assets | 92.7779% | 157 |
| Equity capital to assets | 7.1889% | 6,404 |
| Core capital (leverage) ratio | 7.4217% | 6,402 |
| Tier 1 risk-based capital ratio | 19.7692% | 1,707 |
| Total risk-based capital ratio | 21.0252% | 1,677 |
| Memoranda: | ||
| Average total assets | $409,017,800 | 1,613 |
| Average earning assets | $380,530,400 | 1,594 |
| Average equity | $35,266,800 | 1,956 |
| Average total loans | $199,316,200 | 2,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4885% | 5,713 |
| Cost of funding earning assets | 0.1658% | 6,574 |
| Net interest margin | 3.3227% | 4,558 |
| Noninterest income to average assets | 0.8008% | 2,142 |
| Noninterest expense to average assets | 2.8775% | 3,384 |
| Loan and lease loss provision to assets | 0.1794% | 2,026 |
| Net operating income to assets | 0.8361% | 3,161 |
| Return on assets (ROA) | 1.1574% | 1,853 |
| Pretax return on assets | 1.1574% | 2,859 |
| Return on Equity (ROE) | 12.8857% | 1,263 |
| Retained earnings to average equity (ytd only) | 4.8957% | 3,153 |
| Net charge-offs to loans | 0.2500% | 2,318 |
| Credit loss provision to net charge-offs | 147.0588% | 1,599 |
| Earnings coverage of net charge-offs (x) | 8.3236% | 2,638 |
| Efficiency ratio | 73.9149% | 3,085 |
| Assets per employee ($millions) | 3.3421% | 5,202 |
| Cash dividends to net income (ytd only)* | 62.0067% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,143 |
| Loan loss allowance to noncurrent loans | 38.8004% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.5822% | 1,470 |
| Noncurrent loans to loans | 4.0458% | 855 |
| Net loans and leases to total assets | 49.1563% | 5,231 |
| Net loans and leases to deposits | 53.5212% | 5,577 |
| Net loans and leases to core deposits | 57.4069% | 5,498 |
| Total domestic deposits to total assets | 91.8446% | 275 |
| Equity capital to assets | 8.0360% | 6,126 |
| Core capital (leverage) ratio | 7.8265% | 6,316 |
| Tier 1 risk-based capital ratio | 18.7676% | 2,058 |
| Total risk-based capital ratio | 20.0252% | 2,023 |
| Memoranda: | ||
| Average total assets | $408,725,750 | 1,623 |
| Average earning assets | $380,368,000 | 1,596 |
| Average equity | $36,711,500 | 1,899 |
| Average total loans | $199,457,250 | 2,004 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 5,809 |
| Cost of funding earning assets | 0.1678% | 6,631 |
| Net interest margin | 3.2738% | 4,671 |
| Noninterest income to average assets | 0.8704% | 1,923 |
| Noninterest expense to average assets | 2.8642% | 3,458 |
| Loan and lease loss provision to assets | 0.2067% | 1,829 |
| Net operating income to assets | 0.8456% | 3,068 |
| Return on assets (ROA) | 1.2293% | 1,620 |
| Pretax return on assets | 1.2293% | 2,563 |
| Return on Equity (ROE) | 13.2335% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.9987% | 1,488 |
| Net charge-offs to loans | 0.2269% | 2,373 |
| Credit loss provision to net charge-offs | 188.0531% | 1,266 |
| Earnings coverage of net charge-offs (x) | 9.5752% | 2,262 |
| Efficiency ratio | 73.1314% | 3,284 |
| Assets per employee ($millions) | 3.3903% | 5,086 |
| Cash dividends to net income (ytd only)* | 39.5570% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,132 |
| Loan loss allowance to noncurrent loans | 38.4438% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.5959% | 1,618 |
| Noncurrent loans to loans | 4.1812% | 900 |
| Net loans and leases to total assets | 48.0504% | 5,325 |
| Net loans and leases to deposits | 52.5197% | 5,641 |
| Net loans and leases to core deposits | 56.1663% | 5,587 |
| Total domestic deposits to total assets | 91.4903% | 385 |
| Equity capital to assets | 8.4076% | 5,865 |
| Core capital (leverage) ratio | 7.6232% | 6,406 |
| Tier 1 risk-based capital ratio | 22.0600% | 1,272 |
| Total risk-based capital ratio | 23.3218% | 1,247 |
| Memoranda: | ||
| Average total assets | $411,285,330 | 1,616 |
| Average earning assets | $382,669,330 | 1,588 |
| Average equity | $38,206,000 | 1,833 |
| Average total loans | $199,181,670 | 2,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 5,907 |
| Cost of funding earning assets | 0.1689% | 6,736 |
| Net interest margin | 3.2467% | 4,739 |
| Noninterest income to average assets | 1.1821% | 1,073 |
| Noninterest expense to average assets | 2.7755% | 3,784 |
| Loan and lease loss provision to assets | 0.2168% | 1,712 |
| Net operating income to assets | 1.2081% | 1,504 |
| Return on assets (ROA) | 1.3632% | 1,208 |
| Pretax return on assets | 1.3632% | 1,999 |
| Return on Equity (ROE) | 14.0276% | 956 |
| Retained earnings to average equity (ytd only) | 14.0276% | 443 |
| Net charge-offs to loans | 0.2137% | 2,140 |
| Credit loss provision to net charge-offs | 210.2804% | 1,047 |
| Earnings coverage of net charge-offs (x) | 13.8224% | 1,496 |
| Efficiency ratio | 66.0780% | 4,647 |
| Assets per employee ($millions) | 3.5494% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,616 |
| Loan loss allowance to noncurrent loans | 40.9719% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 1,913 |
| Noncurrent loans to loans | 3.7842% | 1,222 |
| Net loans and leases to total assets | 46.3926% | 5,399 |
| Net loans and leases to deposits | 51.3407% | 5,679 |
| Net loans and leases to core deposits | 55.0229% | 5,599 |
| Total domestic deposits to total assets | 90.3622% | 844 |
| Equity capital to assets | 9.5909% | 4,718 |
| Core capital (leverage) ratio | 7.6688% | 6,375 |
| Tier 1 risk-based capital ratio | 21.8749% | 1,354 |
| Total risk-based capital ratio | 23.1354% | 1,326 |
| Memoranda: | ||
| Average total assets | $415,205,500 | 1,610 |
| Average earning assets | $385,989,000 | 1,585 |
| Average equity | $40,349,000 | 1,762 |
| Average total loans | $200,260,500 | 2,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 6,122 |
| Cost of funding earning assets | 0.2408% | 6,708 |
| Net interest margin | 3.4163% | 4,828 |
| Noninterest income to average assets | 0.5325% | 3,695 |
| Noninterest expense to average assets | 2.8869% | 3,689 |
| Loan and lease loss provision to assets | 0.2226% | 2,905 |
| Net operating income to assets | 0.6085% | 4,197 |
| Return on assets (ROA) | 1.1816% | 1,817 |
| Pretax return on assets | 1.1816% | 2,861 |
| Return on Equity (ROE) | 12.3850% | 1,392 |
| Retained earnings to average equity (ytd only) | 0.2799% | 5,715 |
| Net charge-offs to loans | 0.8606% | 1,331 |
| Credit loss provision to net charge-offs | 50.4913% | 4,688 |
| Earnings coverage of net charge-offs (x) | 1.8854% | 4,482 |
| Efficiency ratio | 77.6469% | 2,503 |
| Assets per employee ($millions) | 3.4579% | 5,092 |
| Cash dividends to net income (ytd only)* | 97.7398% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,847 |
| Loan loss allowance to noncurrent loans | 43.7436% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.6880% | 1,794 |
| Noncurrent loans to loans | 3.3675% | 1,501 |
| Net loans and leases to total assets | 48.6517% | 5,347 |
| Net loans and leases to deposits | 54.0532% | 5,643 |
| Net loans and leases to core deposits | 58.2999% | 5,515 |
| Total domestic deposits to total assets | 90.0071% | 947 |
| Equity capital to assets | 9.8493% | 4,381 |
| Core capital (leverage) ratio | 7.3897% | 6,543 |
| Tier 1 risk-based capital ratio | 20.8826% | 1,488 |
| Total risk-based capital ratio | 22.1425% | 1,457 |
| Memoranda: | ||
| Average total assets | $415,605,800 | 1,574 |
| Average earning assets | $387,527,600 | 1,550 |
| Average equity | $39,652,800 | 1,756 |
| Average total loans | $212,868,400 | 1,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 6,250 |
| Cost of funding earning assets | 0.2587% | 6,777 |
| Net interest margin | 3.4250% | 4,946 |
| Noninterest income to average assets | 0.5023% | 3,915 |
| Noninterest expense to average assets | 2.8122% | 3,945 |
| Loan and lease loss provision to assets | 0.2235% | 2,824 |
| Net operating income to assets | 0.6633% | 4,077 |
| Return on assets (ROA) | 1.3601% | 1,442 |
| Pretax return on assets | 1.3601% | 2,374 |
| Return on Equity (ROE) | 14.3691% | 1,031 |
| Retained earnings to average equity (ytd only) | 3.9102% | 4,135 |
| Net charge-offs to loans | 0.8412% | 1,305 |
| Credit loss provision to net charge-offs | 51.4328% | 4,369 |
| Earnings coverage of net charge-offs (x) | 2.0404% | 4,248 |
| Efficiency ratio | 76.0252% | 2,674 |
| Assets per employee ($millions) | 3.4097% | 5,184 |
| Cash dividends to net income (ytd only)* | 72.7871% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,720 |
| Loan loss allowance to noncurrent loans | 45.8226% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.5001% | 2,120 |
| Noncurrent loans to loans | 3.3889% | 1,615 |
| Net loans and leases to total assets | 48.5844% | 5,479 |
| Net loans and leases to deposits | 53.9401% | 5,815 |
| Net loans and leases to core deposits | 58.0082% | 5,733 |
| Total domestic deposits to total assets | 90.0711% | 807 |
| Equity capital to assets | 9.8405% | 4,723 |
| Core capital (leverage) ratio | 7.4408% | 6,650 |
| Tier 1 risk-based capital ratio | 20.8945% | 1,548 |
| Total risk-based capital ratio | 22.1556% | 1,512 |
| Memoranda: | ||
| Average total assets | $417,499,500 | 1,588 |
| Average earning assets | $389,672,250 | 1,556 |
| Average equity | $39,519,000 | 1,778 |
| Average total loans | $215,715,000 | 1,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 6,291 |
| Cost of funding earning assets | 0.2659% | 6,850 |
| Net interest margin | 3.4599% | 4,843 |
| Noninterest income to average assets | 0.4649% | 4,166 |
| Noninterest expense to average assets | 2.7649% | 4,156 |
| Loan and lease loss provision to assets | 0.2879% | 2,280 |
| Net operating income to assets | 0.6400% | 4,164 |
| Return on assets (ROA) | 1.5319% | 1,059 |
| Pretax return on assets | 1.5319% | 1,772 |
| Return on Equity (ROE) | 16.4016% | 710 |
| Retained earnings to average equity (ytd only) | 3.5597% | 4,228 |
| Net charge-offs to loans | 0.6093% | 1,799 |
| Credit loss provision to net charge-offs | 90.0901% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.9039% | 3,580 |
| Efficiency ratio | 74.8733% | 2,921 |
| Assets per employee ($millions) | 3.3941% | 5,224 |
| Cash dividends to net income (ytd only)* | 78.2963% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 2,857 |
| Loan loss allowance to noncurrent loans | 51.9787% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3207% | 2,410 |
| Noncurrent loans to loans | 3.4633% | 1,662 |
| Net loans and leases to total assets | 48.9745% | 5,490 |
| Net loans and leases to deposits | 54.7752% | 5,793 |
| Net loans and leases to core deposits | 58.9773% | 5,694 |
| Total domestic deposits to total assets | 89.4099% | 1,268 |
| Equity capital to assets | 9.5796% | 4,938 |
| Core capital (leverage) ratio | 7.3340% | 6,697 |
| Tier 1 risk-based capital ratio | 19.2976% | 1,900 |
| Total risk-based capital ratio | 20.5612% | 1,863 |
| Memoranda: | ||
| Average total assets | $416,869,330 | 1,594 |
| Average earning assets | $388,918,000 | 1,561 |
| Average equity | $38,935,330 | 1,786 |
| Average total loans | $218,629,330 | 1,865 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 6,011 |
| Cost of funding earning assets | 0.2785% | 6,912 |
| Net interest margin | 3.6246% | 4,154 |
| Noninterest income to average assets | 0.5054% | 3,876 |
| Noninterest expense to average assets | 2.7262% | 4,327 |
| Loan and lease loss provision to assets | 0.4841% | 1,259 |
| Net operating income to assets | 0.6719% | 4,019 |
| Return on assets (ROA) | 1.4473% | 1,257 |
| Pretax return on assets | 1.4473% | 2,028 |
| Return on Equity (ROE) | 15.7032% | 849 |
| Retained earnings to average equity (ytd only) | -0.0525% | 5,997 |
| Net charge-offs to loans | 0.2323% | 2,763 |
| Credit loss provision to net charge-offs | 387.5969% | 804 |
| Earnings coverage of net charge-offs (x) | 9.2558% | 1,866 |
| Efficiency ratio | 70.2244% | 3,767 |
| Assets per employee ($millions) | 3.3489% | 5,457 |
| Cash dividends to net income (ytd only)* | 100.3344% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,545 |
| Loan loss allowance to noncurrent loans | 58.8032% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.2514% | 2,648 |
| Noncurrent loans to loans | 3.3047% | 1,928 |
| Net loans and leases to total assets | 50.7629% | 5,194 |
| Net loans and leases to deposits | 56.2010% | 5,577 |
| Net loans and leases to core deposits | 60.4395% | 5,491 |
| Total domestic deposits to total assets | 90.3238% | 898 |
| Equity capital to assets | 8.6960% | 5,874 |
| Core capital (leverage) ratio | 7.3210% | 6,719 |
| Tier 1 risk-based capital ratio | 20.3312% | 1,635 |
| Total risk-based capital ratio | 21.6006% | 1,601 |
| Memoranda: | ||
| Average total assets | $413,172,000 | 1,609 |
| Average earning assets | $384,929,500 | 1,575 |
| Average equity | $38,081,500 | 1,830 |
| Average total loans | $222,149,000 | 1,841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 5,788 |
| Cost of funding earning assets | 0.3837% | 6,933 |
| Net interest margin | 3.9071% | 3,306 |
| Noninterest income to average assets | 0.5572% | 3,457 |
| Noninterest expense to average assets | 2.6472% | 4,935 |
| Loan and lease loss provision to assets | 0.5377% | 1,955 |
| Net operating income to assets | 1.0081% | 2,171 |
| Return on assets (ROA) | 1.3063% | 1,338 |
| Pretax return on assets | 1.3063% | 2,104 |
| Return on Equity (ROE) | 16.0133% | 597 |
| Retained earnings to average equity (ytd only) | 5.9769% | 2,029 |
| Net charge-offs to loans | 0.6221% | 2,592 |
| Credit loss provision to net charge-offs | 148.3479% | 1,916 |
| Earnings coverage of net charge-offs (x) | 4.2650% | 3,189 |
| Efficiency ratio | 63.1346% | 5,275 |
| Assets per employee ($millions) | 3.2877% | 5,535 |
| Cash dividends to net income (ytd only)* | 62.6754% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 3,141 |
| Loan loss allowance to noncurrent loans | 77.2990% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 3,031 |
| Noncurrent loans to loans | 2.2196% | 2,932 |
| Net loans and leases to total assets | 54.8931% | 4,894 |
| Net loans and leases to deposits | 61.5196% | 5,307 |
| Net loans and leases to core deposits | 66.7623% | 5,182 |
| Total domestic deposits to total assets | 89.2287% | 1,404 |
| Equity capital to assets | 9.7603% | 4,497 |
| Core capital (leverage) ratio | 7.3842% | 6,706 |
| Tier 1 risk-based capital ratio | 19.5477% | 1,741 |
| Total risk-based capital ratio | 20.8130% | 1,704 |
| Memoranda: | ||
| Average total assets | $409,180,200 | 1,583 |
| Average earning assets | $380,765,200 | 1,559 |
| Average equity | $33,378,600 | 1,994 |
| Average total loans | $238,403,400 | 1,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 5,795 |
| Cost of funding earning assets | 0.4049% | 7,003 |
| Net interest margin | 3.9402% | 3,189 |
| Noninterest income to average assets | 0.5065% | 3,820 |
| Noninterest expense to average assets | 2.6326% | 4,965 |
| Loan and lease loss provision to assets | 0.5198% | 1,905 |
| Net operating income to assets | 1.0218% | 2,246 |
| Return on assets (ROA) | 1.4182% | 1,192 |
| Pretax return on assets | 1.4182% | 1,888 |
| Return on Equity (ROE) | 18.2692% | 435 |
| Retained earnings to average equity (ytd only) | 9.8984% | 870 |
| Net charge-offs to loans | 0.6806% | 2,210 |
| Credit loss provision to net charge-offs | 129.7648% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.8483% | 3,275 |
| Efficiency ratio | 63.0682% | 5,229 |
| Assets per employee ($millions) | 3.3665% | 5,326 |
| Cash dividends to net income (ytd only)* | 45.8191% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 4,007 |
| Loan loss allowance to noncurrent loans | 88.2353% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 3,737 |
| Noncurrent loans to loans | 1.7229% | 3,731 |
| Net loans and leases to total assets | 54.2624% | 5,131 |
| Net loans and leases to deposits | 60.6120% | 5,564 |
| Net loans and leases to core deposits | 65.5255% | 5,465 |
| Total domestic deposits to total assets | 89.5242% | 1,131 |
| Equity capital to assets | 9.4323% | 5,195 |
| Core capital (leverage) ratio | 7.5673% | 6,725 |
| Tier 1 risk-based capital ratio | 19.0537% | 1,915 |
| Total risk-based capital ratio | 20.3150% | 1,887 |
| Memoranda: | ||
| Average total assets | $410,379,750 | 1,590 |
| Average earning assets | $381,999,000 | 1,561 |
| Average equity | $31,856,000 | 2,086 |
| Average total loans | $241,541,000 | 1,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 5,515 |
| Cost of funding earning assets | 0.4367% | 7,048 |
| Net interest margin | 4.0164% | 2,765 |
| Noninterest income to average assets | 0.5441% | 3,518 |
| Noninterest expense to average assets | 2.6906% | 4,857 |
| Loan and lease loss provision to assets | 0.5898% | 1,640 |
| Net operating income to assets | 1.0022% | 2,220 |
| Return on assets (ROA) | 1.0882% | 1,998 |
| Pretax return on assets | 1.0882% | 2,899 |
| Return on Equity (ROE) | 15.1417% | 779 |
| Retained earnings to average equity (ytd only) | 8.3027% | 1,343 |
| Net charge-offs to loans | 0.8915% | 1,744 |
| Credit loss provision to net charge-offs | 109.9908% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.9688% | 3,364 |
| Efficiency ratio | 62.8257% | 5,433 |
| Assets per employee ($millions) | 3.2493% | 5,534 |
| Cash dividends to net income (ytd only)* | 45.1671% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,717 |
| Loan loss allowance to noncurrent loans | 78.9894% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5607% | 3,849 |
| Noncurrent loans to loans | 1.7368% | 3,834 |
| Net loans and leases to total assets | 57.8270% | 4,664 |
| Net loans and leases to deposits | 63.4673% | 5,343 |
| Net loans and leases to core deposits | 68.5816% | 5,229 |
| Total domestic deposits to total assets | 91.1130% | 464 |
| Equity capital to assets | 7.8212% | 6,793 |
| Core capital (leverage) ratio | 7.2384% | 6,899 |
| Tier 1 risk-based capital ratio | 18.4638% | 2,024 |
| Total risk-based capital ratio | 19.7236% | 1,973 |
| Memoranda: | ||
| Average total assets | $406,900,330 | 1,615 |
| Average earning assets | $378,751,000 | 1,584 |
| Average equity | $29,243,670 | 2,223 |
| Average total loans | $244,764,330 | 1,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 5,475 |
| Cost of funding earning assets | 0.4839% | 7,031 |
| Net interest margin | 3.9798% | 2,773 |
| Noninterest income to average assets | 0.6011% | 3,157 |
| Noninterest expense to average assets | 2.6459% | 5,053 |
| Loan and lease loss provision to assets | 0.5893% | 1,460 |
| Net operating income to assets | 1.0656% | 1,960 |
| Return on assets (ROA) | 1.2375% | 1,486 |
| Pretax return on assets | 1.2375% | 2,239 |
| Return on Equity (ROE) | 18.0116% | 482 |
| Retained earnings to average equity (ytd only) | 18.0116% | 240 |
| Net charge-offs to loans | 1.4270% | 959 |
| Credit loss provision to net charge-offs | 67.7966% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.9040% | 3,356 |
| Efficiency ratio | 61.5209% | 5,757 |
| Assets per employee ($millions) | 3.2173% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,733 |
| Loan loss allowance to noncurrent loans | 59.7297% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.8197% | 3,542 |
| Noncurrent loans to loans | 1.9707% | 3,611 |
| Net loans and leases to total assets | 59.9766% | 4,264 |
| Net loans and leases to deposits | 65.2065% | 5,094 |
| Net loans and leases to core deposits | 70.8108% | 4,952 |
| Total domestic deposits to total assets | 91.9796% | 294 |
| Equity capital to assets | 6.9500% | 7,096 |
| Core capital (leverage) ratio | 7.2358% | 6,901 |
| Tier 1 risk-based capital ratio | 17.4276% | 2,327 |
| Total risk-based capital ratio | 18.6831% | 2,292 |
| Memoranda: | ||
| Average total assets | $407,267,000 | 1,623 |
| Average earning assets | $378,616,500 | 1,601 |
| Average equity | $27,982,000 | 2,304 |
| Average total loans | $248,076,000 | 1,740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 6,403 |
| Cost of funding earning assets | 0.8361% | 6,416 |
| Net interest margin | 3.6640% | 4,515 |
| Noninterest income to average assets | 0.5463% | 3,847 |
| Noninterest expense to average assets | 2.7202% | 4,899 |
| Loan and lease loss provision to assets | 0.4413% | 3,472 |
| Net operating income to assets | 0.8346% | 2,651 |
| Return on assets (ROA) | 1.7623% | 496 |
| Pretax return on assets | 1.7623% | 820 |
| Return on Equity (ROE) | 26.4102% | 79 |
| Retained earnings to average equity (ytd only) | 7.7589% | 1,056 |
| Net charge-offs to loans | 0.8752% | 2,442 |
| Credit loss provision to net charge-offs | 83.1911% | 5,427 |
| Earnings coverage of net charge-offs (x) | 2.4053% | 3,928 |
| Efficiency ratio | 68.0729% | 4,550 |
| Assets per employee ($millions) | 3.5246% | 4,881 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,242 |
| Loan loss allowance to noncurrent loans | 42.8300% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5339% | 2,734 |
| Noncurrent loans to loans | 2.9241% | 2,608 |
| Net loans and leases to total assets | 60.3627% | 4,620 |
| Net loans and leases to deposits | 65.4588% | 5,459 |
| Net loans and leases to core deposits | 71.4066% | 5,283 |
| Total domestic deposits to total assets | 92.2148% | 236 |
| Equity capital to assets | 6.7933% | 7,178 |
| Core capital (leverage) ratio | 6.3817% | 7,219 |
| Tier 1 risk-based capital ratio | 16.1157% | 2,694 |
| Total risk-based capital ratio | 17.3725% | 2,648 |
| Memoranda: | ||
| Average total assets | $441,914,600 | 1,511 |
| Average earning assets | $416,077,600 | 1,460 |
| Average equity | $29,488,600 | 2,214 |
| Average total loans | $267,833,200 | 1,662 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 6,630 |
| Cost of funding earning assets | 0.8965% | 6,405 |
| Net interest margin | 3.5934% | 4,905 |
| Noninterest income to average assets | 0.5276% | 3,961 |
| Noninterest expense to average assets | 2.6841% | 4,949 |
| Loan and lease loss provision to assets | 0.0623% | 6,442 |
| Net operating income to assets | 1.1736% | 1,662 |
| Return on assets (ROA) | 1.6784% | 702 |
| Pretax return on assets | 1.6784% | 1,157 |
| Return on Equity (ROE) | 25.2573% | 116 |
| Retained earnings to average equity (ytd only) | 14.9865% | 211 |
| Net charge-offs to loans | 0.5804% | 2,997 |
| Credit loss provision to net charge-offs | 17.7515% | 6,267 |
| Earnings coverage of net charge-offs (x) | 3.5207% | 3,411 |
| Efficiency ratio | 68.4709% | 4,379 |
| Assets per employee ($millions) | 3.8128% | 4,233 |
| Cash dividends to net income (ytd only)* | 40.6648% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,460 |
| Loan loss allowance to noncurrent loans | 37.8394% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1957% | 3,211 |
| Noncurrent loans to loans | 2.6048% | 3,020 |
| Net loans and leases to total assets | 58.0541% | 5,258 |
| Net loans and leases to deposits | 63.9784% | 5,917 |
| Net loans and leases to core deposits | 69.5155% | 5,799 |
| Total domestic deposits to total assets | 90.7402% | 534 |
| Equity capital to assets | 8.2540% | 6,558 |
| Core capital (leverage) ratio | 6.4717% | 7,343 |
| Tier 1 risk-based capital ratio | 16.5551% | 2,538 |
| Total risk-based capital ratio | 17.8077% | 2,490 |
| Memoranda: | ||
| Average total assets | $449,299,750 | 1,504 |
| Average earning assets | $424,178,500 | 1,451 |
| Average equity | $29,857,250 | 2,208 |
| Average total loans | $271,772,250 | 1,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 6,655 |
| Cost of funding earning assets | 0.9582% | 6,343 |
| Net interest margin | 3.5639% | 4,981 |
| Noninterest income to average assets | 0.5258% | 3,912 |
| Noninterest expense to average assets | 2.7067% | 4,876 |
| Loan and lease loss provision to assets | 0.0377% | 6,581 |
| Net operating income to assets | 1.1573% | 1,681 |
| Return on assets (ROA) | 1.1573% | 1,741 |
| Pretax return on assets | 1.1573% | 2,559 |
| Return on Equity (ROE) | 18.9279% | 388 |
| Retained earnings to average equity (ytd only) | 10.9384% | 670 |
| Net charge-offs to loans | 0.2595% | 4,051 |
| Credit loss provision to net charge-offs | 23.8095% | 5,815 |
| Earnings coverage of net charge-offs (x) | 7.5378% | 2,285 |
| Efficiency ratio | 69.3717% | 4,300 |
| Assets per employee ($millions) | 3.7854% | 4,255 |
| Cash dividends to net income (ytd only)* | 42.2103% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,369 |
| Loan loss allowance to noncurrent loans | 48.1074% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9136% | 3,601 |
| Noncurrent loans to loans | 2.5294% | 3,126 |
| Net loans and leases to total assets | 59.0945% | 5,231 |
| Net loans and leases to deposits | 64.2471% | 6,011 |
| Net loans and leases to core deposits | 71.1753% | 5,753 |
| Total domestic deposits to total assets | 91.9800% | 224 |
| Equity capital to assets | 7.0308% | 7,338 |
| Core capital (leverage) ratio | 6.1090% | 7,464 |
| Tier 1 risk-based capital ratio | 15.4072% | 2,950 |
| Total risk-based capital ratio | 16.6645% | 2,902 |
| Memoranda: | ||
| Average total assets | $450,367,000 | 1,518 |
| Average earning assets | $426,614,670 | 1,458 |
| Average equity | $27,536,000 | 2,371 |
| Average total loans | $275,177,670 | 1,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 6,725 |
| Cost of funding earning assets | 1.0706% | 6,036 |
| Net interest margin | 3.4616% | 5,328 |
| Noninterest income to average assets | 0.5285% | 3,824 |
| Noninterest expense to average assets | 2.7234% | 4,797 |
| Loan and lease loss provision to assets | 0.0533% | 6,134 |
| Net operating income to assets | 1.0401% | 2,031 |
| Return on assets (ROA) | 1.0401% | 2,093 |
| Pretax return on assets | 1.0401% | 2,936 |
| Return on Equity (ROE) | 18.3913% | 486 |
| Retained earnings to average equity (ytd only) | 18.3913% | 231 |
| Net charge-offs to loans | 0.1698% | 3,903 |
| Credit loss provision to net charge-offs | 50.8475% | 4,468 |
| Earnings coverage of net charge-offs (x) | 10.4322% | 1,743 |
| Efficiency ratio | 71.3521% | 4,060 |
| Assets per employee ($millions) | 3.5904% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,120 |
| Loan loss allowance to noncurrent loans | 73.0448% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 4,408 |
| Noncurrent loans to loans | 1.7322% | 4,145 |
| Net loans and leases to total assets | 60.7337% | 4,990 |
| Net loans and leases to deposits | 65.1076% | 5,926 |
| Net loans and leases to core deposits | 72.8225% | 5,629 |
| Total domestic deposits to total assets | 93.2821% | 106 |
| Equity capital to assets | 5.7435% | 7,652 |
| Core capital (leverage) ratio | 5.9769% | 7,583 |
| Tier 1 risk-based capital ratio | 14.8423% | 3,186 |
| Total risk-based capital ratio | 16.1006% | 3,140 |
| Memoranda: | ||
| Average total assets | $450,320,500 | 1,557 |
| Average earning assets | $427,783,500 | 1,494 |
| Average equity | $25,468,500 | 2,568 |
| Average total loans | $278,028,500 | 1,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 6,790 |
| Cost of funding earning assets | 1.1684% | 6,770 |
| Net interest margin | 3.6984% | 4,149 |
| Noninterest income to average assets | 0.5891% | 3,718 |
| Noninterest expense to average assets | 3.3787% | 2,749 |
| Loan and lease loss provision to assets | 0.7395% | 2,893 |
| Net operating income to assets | -0.0600% | 5,602 |
| Return on assets (ROA) | 0.6220% | 3,312 |
| Pretax return on assets | 0.6220% | 3,841 |
| Return on Equity (ROE) | 8.9477% | 2,043 |
| Retained earnings to average equity (ytd only) | -4.9154% | 6,010 |
| Net charge-offs to loans | 0.3886% | 4,267 |
| Credit loss provision to net charge-offs | 273.8326% | 1,256 |
| Earnings coverage of net charge-offs (x) | 2.5163% | 3,865 |
| Efficiency ratio | 83.2552% | 2,446 |
| Assets per employee ($millions) | 3.5300% | 4,944 |
| Cash dividends to net income (ytd only)* | 154.9350% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,948 |
| Loan loss allowance to noncurrent loans | 85.4633% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 4,571 |
| Noncurrent loans to loans | 1.4840% | 4,445 |
| Net loans and leases to total assets | 61.1808% | 5,163 |
| Net loans and leases to deposits | 65.4304% | 6,119 |
| Net loans and leases to core deposits | 82.8406% | 5,834 |
| Total domestic deposits to total assets | 93.5052% | 97 |
| Equity capital to assets | 5.5683% | 7,725 |
| Core capital (leverage) ratio | 5.8499% | 7,659 |
| Tier 1 risk-based capital ratio | 14.1229% | 3,426 |
| Total risk-based capital ratio | 15.3810% | 3,377 |
| Memoranda: | ||
| Average total assets | $420,280,600 | 1,646 |
| Average earning assets | $394,219,200 | 1,612 |
| Average equity | $29,214,200 | 2,282 |
| Average total loans | $292,050,600 | 1,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 6,705 |
| Cost of funding earning assets | 1.1692% | 6,975 |
| Net interest margin | 3.7986% | 3,664 |
| Noninterest income to average assets | 0.5997% | 3,703 |
| Noninterest expense to average assets | 3.6492% | 1,924 |
| Loan and lease loss provision to assets | 0.0517% | 6,860 |
| Net operating income to assets | 0.4449% | 4,217 |
| Return on assets (ROA) | 1.0656% | 1,891 |
| Pretax return on assets | 1.0656% | 2,685 |
| Return on Equity (ROE) | 14.5382% | 830 |
| Retained earnings to average equity (ytd only) | 4.8343% | 2,590 |
| Net charge-offs to loans | 0.3913% | 3,700 |
| Credit loss provision to net charge-offs | 18.4758% | 6,585 |
| Earnings coverage of net charge-offs (x) | 1.7737% | 4,466 |
| Efficiency ratio | 88.0215% | 1,874 |
| Assets per employee ($millions) | 3.3270% | 5,315 |
| Cash dividends to net income (ytd only)* | 66.7475% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3057% | 7,907 |
| Loan loss allowance to noncurrent loans | 25.7075% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 4,884 |
| Noncurrent loans to loans | 1.1893% | 4,958 |
| Net loans and leases to total assets | 66.2515% | 4,374 |
| Net loans and leases to deposits | 71.9534% | 5,663 |
| Net loans and leases to core deposits | 89.5322% | 5,481 |
| Total domestic deposits to total assets | 92.0756% | 163 |
| Equity capital to assets | 6.8668% | 7,658 |
| Core capital (leverage) ratio | 6.9105% | 7,482 |
| Tier 1 risk-based capital ratio | 15.3775% | 2,877 |
| Total risk-based capital ratio | 15.8460% | 3,173 |
| Memoranda: | ||
| Average total assets | $412,390,500 | 1,691 |
| Average earning assets | $384,979,000 | 1,657 |
| Average equity | $30,227,750 | 2,240 |
| Average total loans | $295,065,500 | 1,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 6,496 |
| Cost of funding earning assets | 1.2249% | 7,036 |
| Net interest margin | 3.8594% | 3,292 |
| Noninterest income to average assets | 0.6042% | 3,654 |
| Noninterest expense to average assets | 4.0015% | 1,315 |
| Loan and lease loss provision to assets | 0.0221% | 7,010 |
| Net operating income to assets | 0.1450% | 5,432 |
| Return on assets (ROA) | 1.0890% | 1,888 |
| Pretax return on assets | 1.0890% | 2,672 |
| Return on Equity (ROE) | 14.5341% | 899 |
| Retained earnings to average equity (ytd only) | 7.3163% | 1,462 |
| Net charge-offs to loans | 0.2353% | 4,027 |
| Credit loss provision to net charge-offs | 12.8205% | 6,173 |
| Earnings coverage of net charge-offs (x) | 0.9687% | 4,806 |
| Efficiency ratio | 95.9901% | 1,375 |
| Assets per employee ($millions) | 2.9910% | 6,158 |
| Cash dividends to net income (ytd only)* | 49.6614% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4354% | 7,864 |
| Loan loss allowance to noncurrent loans | 55.9613% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 5,036 |
| Noncurrent loans to loans | 0.7781% | 5,676 |
| Net loans and leases to total assets | 73.1186% | 2,934 |
| Net loans and leases to deposits | 79.7041% | 4,585 |
| Net loans and leases to core deposits | 94.8117% | 5,025 |
| Total domestic deposits to total assets | 91.7376% | 262 |
| Equity capital to assets | 7.1246% | 7,537 |
| Core capital (leverage) ratio | 7.0698% | 7,486 |
| Tier 1 risk-based capital ratio | 14.9992% | 3,020 |
| Total risk-based capital ratio | 15.6653% | 3,232 |
| Memoranda: | ||
| Average total assets | $406,793,670 | 1,728 |
| Average earning assets | $375,706,000 | 1,718 |
| Average equity | $30,480,000 | 2,234 |
| Average total loans | $298,350,330 | 1,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 6,123 |
| Cost of funding earning assets | 1.3643% | 6,834 |
| Net interest margin | 3.8836% | 3,116 |
| Noninterest income to average assets | 0.6244% | 3,387 |
| Noninterest expense to average assets | 3.0100% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1330% | 1,858 |
| Return on assets (ROA) | 1.1330% | 1,977 |
| Pretax return on assets | 1.1330% | 2,863 |
| Return on Equity (ROE) | 14.7707% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.7707% | 442 |
| Net charge-offs to loans | 0.0398% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 874 |
| Efficiency ratio | 72.6526% | 4,073 |
| Assets per employee ($millions) | 3.1406% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5176% | 7,800 |
| Loan loss allowance to noncurrent loans | 41.3904% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 4,509 |
| Noncurrent loans to loans | 1.2506% | 4,469 |
| Net loans and leases to total assets | 70.6948% | 3,534 |
| Net loans and leases to deposits | 83.4749% | 4,065 |
| Net loans and leases to core deposits | 97.5459% | 4,794 |
| Total domestic deposits to total assets | 84.6899% | 3,370 |
| Equity capital to assets | 7.5891% | 7,275 |
| Core capital (leverage) ratio | 6.9281% | 7,677 |
| Tier 1 risk-based capital ratio | 14.4820% | 3,320 |
| Total risk-based capital ratio | 15.2634% | 3,500 |
| Memoranda: | ||
| Average total assets | $411,289,000 | 1,720 |
| Average earning assets | $372,647,500 | 1,740 |
| Average equity | $31,549,000 | 2,147 |
| Average total loans | $301,455,500 | 1,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 7,036 |
| Cost of funding earning assets | 1.9420% | 6,610 |
| Net interest margin | 3.6672% | 4,612 |
| Noninterest income to average assets | 0.6884% | 3,196 |
| Noninterest expense to average assets | 3.1471% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9402% | 2,830 |
| Return on assets (ROA) | 1.0739% | 2,155 |
| Pretax return on assets | 1.0739% | 3,122 |
| Return on Equity (ROE) | 15.3840% | 868 |
| Retained earnings to average equity (ytd only) | 0.6680% | 4,835 |
| Net charge-offs to loans | 0.0568% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.7542% | 1,452 |
| Efficiency ratio | 76.9965% | 3,080 |
| Assets per employee ($millions) | 2.7516% | 6,670 |
| Cash dividends to net income (ytd only)* | 95.6578% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5193% | 7,820 |
| Loan loss allowance to noncurrent loans | 42.6602% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 3,958 |
| Noncurrent loans to loans | 1.2174% | 4,079 |
| Net loans and leases to total assets | 75.2413% | 2,822 |
| Net loans and leases to deposits | 89.3363% | 3,566 |
| Net loans and leases to core deposits | 103.8967% | 4,406 |
| Total domestic deposits to total assets | 84.2226% | 3,213 |
| Equity capital to assets | 7.7563% | 7,148 |
| Core capital (leverage) ratio | 6.7468% | 7,838 |
| Tier 1 risk-based capital ratio | 13.7422% | 3,673 |
| Total risk-based capital ratio | 14.5301% | 3,859 |
| Memoranda: | ||
| Average total assets | $433,199,200 | 1,574 |
| Average earning assets | $401,500,000 | 1,556 |
| Average equity | $30,239,200 | 2,244 |
| Average total loans | $314,937,400 | 1,539 |