Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone 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 | 5.0596% | 1,954 |
| Cost of funding earning assets | 1.4335% | 2,137 |
| Net interest margin | 3.6261% | 1,912 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3489% | 2,721 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.1219% | 1,852 |
| Return on assets (ROA) | 1.1155% | 1,852 |
| Pretax return on assets | 1.1217% | 2,345 |
| Return on Equity (ROE) | 19.9300% | 623 |
| Retained earnings to average equity (ytd only) | 11.4340% | 712 |
| Net charge-offs to loans | 0.2686% | 398 |
| Credit loss provision to net charge-offs | 68.3628% | 2,099 |
| Earnings coverage of net charge-offs (x) | 6.7017% | 2,453 |
| Efficiency ratio | 63.9899% | 2,604 |
| Assets per employee ($millions) | 7.6440% | 1,627 |
| Cash dividends to net income (ytd only)* | 42.6208% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,047 |
| Loan loss allowance to noncurrent loans | 202.1165% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 1,250 |
| Noncurrent loans to loans | 0.6162% | 1,282 |
| Net loans and leases to total assets | 71.2700% | 1,668 |
| Net loans and leases to deposits | 78.7416% | 2,211 |
| Net loans and leases to core deposits | 90.9307% | 1,988 |
| Total domestic deposits to total assets | 90.5100% | 628 |
| Equity capital to assets | 5.7496% | 4,288 |
| Core capital (leverage) ratio | 7.3489% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5127% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,398,291,200 | 751 |
| Average earning assets | $1,290,822,600 | 743 |
| Average equity | $78,275,200 | 1,154 |
| Average total loans | $1,009,752,000 | 721 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 2,246 |
| Cost of funding earning assets | 1.1377% | 2,634 |
| Net interest margin | 3.6679% | 1,845 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.3709% | 2,591 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.1234% | 1,980 |
| Return on assets (ROA) | 1.1147% | 1,992 |
| Pretax return on assets | 1.1232% | 2,497 |
| Return on Equity (ROE) | 20.0600% | 716 |
| Retained earnings to average equity (ytd only) | 10.9605% | 1,163 |
| Net charge-offs to loans | -0.1206% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.0777% | 2,486 |
| Assets per employee ($millions) | 7.7305% | 1,491 |
| Cash dividends to net income (ytd only)* | 45.3667% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 923 |
| Loan loss allowance to noncurrent loans | 160.7788% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 703 |
| Noncurrent loans to loans | 0.9827% | 832 |
| Net loans and leases to total assets | 69.1300% | 1,930 |
| Net loans and leases to deposits | 75.9751% | 2,421 |
| Net loans and leases to core deposits | 87.7728% | 2,067 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 5.0168% | 4,249 |
| Core capital (leverage) ratio | 7.8007% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5601% | 2,882 |
| Memoranda: | ||
| Average total assets | $1,373,309,750 | 763 |
| Average earning assets | $1,265,945,000 | 758 |
| Average equity | $76,308,750 | 1,163 |
| Average total loans | $991,893,250 | 730 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 2,171 |
| Cost of funding earning assets | 0.9071% | 2,902 |
| Net interest margin | 3.8106% | 1,603 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.4406% | 2,374 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1668% | 1,921 |
| Return on assets (ROA) | 1.1695% | 1,904 |
| Pretax return on assets | 1.1825% | 2,408 |
| Return on Equity (ROE) | 20.3100% | 679 |
| Retained earnings to average equity (ytd only) | 10.4902% | 1,279 |
| Net charge-offs to loans | -0.0364% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8336% | 2,506 |
| Assets per employee ($millions) | 7.0870% | 1,858 |
| Cash dividends to net income (ytd only)* | 48.3524% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,160 |
| Loan loss allowance to noncurrent loans | 139.4279% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 510 |
| Noncurrent loans to loans | 1.0799% | 674 |
| Net loans and leases to total assets | 73.6000% | 1,341 |
| Net loans and leases to deposits | 82.3938% | 1,800 |
| Net loans and leases to core deposits | 94.5706% | 1,545 |
| Total domestic deposits to total assets | 89.3300% | 1,126 |
| Equity capital to assets | 5.5525% | 4,283 |
| Core capital (leverage) ratio | 7.9977% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6181% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,333,754,000 | 776 |
| Average earning assets | $1,228,316,333 | 770 |
| Average equity | $76,795,333 | 1,151 |
| Average total loans | $973,199,667 | 729 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 2,157 |
| Cost of funding earning assets | 0.6426% | 3,249 |
| Net interest margin | 3.9236% | 1,424 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4214% | 2,466 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.2880% | 1,707 |
| Return on assets (ROA) | 1.2880% | 1,680 |
| Pretax return on assets | 1.3145% | 2,139 |
| Return on Equity (ROE) | 21.9600% | 585 |
| Retained earnings to average equity (ytd only) | 21.9560% | 289 |
| Net charge-offs to loans | -0.0199% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.4012% | 2,764 |
| Assets per employee ($millions) | 6.8130% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,169 |
| Loan loss allowance to noncurrent loans | 257.8179% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 1,040 |
| Noncurrent loans to loans | 0.5944% | 1,253 |
| Net loans and leases to total assets | 72.5200% | 1,371 |
| Net loans and leases to deposits | 81.7568% | 1,676 |
| Net loans and leases to core deposits | 90.3342% | 1,598 |
| Total domestic deposits to total assets | 88.7000% | 1,658 |
| Equity capital to assets | 6.0491% | 4,184 |
| Core capital (leverage) ratio | 8.3015% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3233% | 2,898 |
| Memoranda: | ||
| Average total assets | $1,309,652,500 | 804 |
| Average earning assets | $1,206,434,000 | 801 |
| Average equity | $76,826,500 | 1,162 |
| Average total loans | $943,468,500 | 762 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 2,376 |
| Cost of funding earning assets | 0.2474% | 3,346 |
| Net interest margin | 3.5130% | 1,888 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.1214% | 3,235 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3671% | 1,221 |
| Return on assets (ROA) | 1.3671% | 1,179 |
| Pretax return on assets | 1.3712% | 1,860 |
| Return on Equity (ROE) | 22.6900% | 293 |
| Retained earnings to average equity (ytd only) | 16.6192% | 197 |
| Net charge-offs to loans | -0.0007% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7410% | 3,228 |
| Assets per employee ($millions) | 7.0129% | 1,966 |
| Cash dividends to net income (ytd only)* | 26.7637% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,039 |
| Loan loss allowance to noncurrent loans | 246.2461% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,005 |
| Noncurrent loans to loans | 0.6351% | 1,167 |
| Net loans and leases to total assets | 69.3200% | 1,698 |
| Net loans and leases to deposits | 75.1770% | 2,158 |
| Net loans and leases to core deposits | 80.6224% | 2,098 |
| Total domestic deposits to total assets | 92.2100% | 584 |
| Equity capital to assets | 5.6818% | 4,186 |
| Core capital (leverage) ratio | 7.7803% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4883% | 2,865 |
| Memoranda: | ||
| Average total assets | $1,291,928,800 | 797 |
| Average earning assets | $1,193,142,800 | 796 |
| Average equity | $77,831,800 | 1,154 |
| Average total loans | $832,052,600 | 798 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 2,596 |
| Cost of funding earning assets | 0.2071% | 3,189 |
| Net interest margin | 3.2983% | 2,303 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0699% | 3,295 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2250% | 1,612 |
| Return on assets (ROA) | 1.2250% | 1,582 |
| Pretax return on assets | 1.2305% | 2,257 |
| Return on Equity (ROE) | 20.0400% | 434 |
| Retained earnings to average equity (ytd only) | 14.6616% | 396 |
| Net charge-offs to loans | -0.0155% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5481% | 3,046 |
| Assets per employee ($millions) | 7.6276% | 1,531 |
| Cash dividends to net income (ytd only)* | 26.8558% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 969 |
| Loan loss allowance to noncurrent loans | 226.2468% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 1,018 |
| Noncurrent loans to loans | 0.7290% | 1,117 |
| Net loans and leases to total assets | 63.5900% | 2,128 |
| Net loans and leases to deposits | 67.8880% | 2,539 |
| Net loans and leases to core deposits | 72.3146% | 2,464 |
| Total domestic deposits to total assets | 93.6700% | 418 |
| Equity capital to assets | 5.2216% | 4,227 |
| Core capital (leverage) ratio | 7.7982% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6551% | 2,910 |
| Memoranda: | ||
| Average total assets | $1,288,812,500 | 805 |
| Average earning assets | $1,192,480,500 | 805 |
| Average equity | $78,761,500 | 1,162 |
| Average total loans | $810,431,750 | 812 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 2,692 |
| Cost of funding earning assets | 0.2011% | 2,898 |
| Net interest margin | 3.1133% | 2,495 |
| Noninterest income to average assets | 0.3215% | 3,250 |
| Noninterest expense to average assets | 2.0341% | 3,337 |
| Loan and lease loss provision to assets | 0.0940% | 1,059 |
| Net operating income to assets | 1.0682% | 1,907 |
| Return on assets (ROA) | 1.0682% | 1,884 |
| Pretax return on assets | 1.0765% | 2,493 |
| Return on Equity (ROE) | 16.6393% | 615 |
| Retained earnings to average equity (ytd only) | 11.0237% | 781 |
| Net charge-offs to loans | -0.0078% | 3,495 |
| Credit loss provision to net charge-offs | -1,935.4839% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9952% | 2,921 |
| Assets per employee ($millions) | 7.0728% | 1,894 |
| Cash dividends to net income (ytd only)* | 33.7491% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 1,003 |
| Loan loss allowance to noncurrent loans | 254.4465% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 1,145 |
| Noncurrent loans to loans | 0.6573% | 1,306 |
| Net loans and leases to total assets | 65.1291% | 1,797 |
| Net loans and leases to deposits | 69.7303% | 2,235 |
| Net loans and leases to core deposits | 74.3530% | 2,143 |
| Total domestic deposits to total assets | 93.4014% | 414 |
| Equity capital to assets | 5.6399% | 4,320 |
| Core capital (leverage) ratio | 7.7587% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5418% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,276,014,000 | 809 |
| Average earning assets | $1,181,699,667 | 811 |
| Average equity | $81,914,667 | 1,138 |
| Average total loans | $794,526,000 | 813 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 2,956 |
| Cost of funding earning assets | 0.2059% | 2,711 |
| Net interest margin | 2.9038% | 2,826 |
| Noninterest income to average assets | 0.2874% | 3,402 |
| Noninterest expense to average assets | 2.0635% | 3,267 |
| Loan and lease loss provision to assets | 0.0929% | 890 |
| Net operating income to assets | 0.8095% | 2,636 |
| Return on assets (ROA) | 0.8095% | 2,628 |
| Pretax return on assets | 0.8259% | 3,027 |
| Return on Equity (ROE) | 11.9131% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.9884% | 2,259 |
| Net charge-offs to loans | 0.0349% | 951 |
| Credit loss provision to net charge-offs | 441.1765% | 559 |
| Earnings coverage of net charge-offs (x) | 43.6324% | 974 |
| Efficiency ratio | 68.6812% | 2,422 |
| Assets per employee ($millions) | 7.5773% | 1,642 |
| Cash dividends to net income (ytd only)* | 49.7322% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 1,096 |
| Loan loss allowance to noncurrent loans | 177.7542% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 906 |
| Noncurrent loans to loans | 0.9428% | 968 |
| Net loans and leases to total assets | 61.7229% | 1,896 |
| Net loans and leases to deposits | 66.5526% | 2,290 |
| Net loans and leases to core deposits | 71.4516% | 2,161 |
| Total domestic deposits to total assets | 92.7431% | 333 |
| Equity capital to assets | 6.4544% | 4,443 |
| Core capital (leverage) ratio | 7.3789% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6743% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,291,612,500 | 806 |
| Average earning assets | $1,198,717,000 | 806 |
| Average equity | $87,769,000 | 1,107 |
| Average total loans | $779,524,500 | 813 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 2,561 |
| Cost of funding earning assets | 0.2796% | 2,607 |
| Net interest margin | 3.2542% | 2,452 |
| Noninterest income to average assets | -0.0027% | 4,819 |
| Noninterest expense to average assets | 1.9034% | 3,915 |
| Loan and lease loss provision to assets | 0.1838% | 618 |
| Net operating income to assets | 0.9149% | 2,987 |
| Return on assets (ROA) | 0.9157% | 3,044 |
| Pretax return on assets | 0.9203% | 3,456 |
| Return on Equity (ROE) | 11.5425% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.3348% | 2,652 |
| Net charge-offs to loans | 0.2856% | 310 |
| Credit loss provision to net charge-offs | 95.4606% | 1,846 |
| Earnings coverage of net charge-offs (x) | 5.7290% | 2,431 |
| Efficiency ratio | 62.7434% | 2,758 |
| Assets per employee ($millions) | 7.6622% | 1,521 |
| Cash dividends to net income (ytd only)* | 53.7814% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 979 |
| Loan loss allowance to noncurrent loans | 155.9242% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 897 |
| Noncurrent loans to loans | 1.1106% | 874 |
| Net loans and leases to total assets | 56.9951% | 2,481 |
| Net loans and leases to deposits | 61.8158% | 2,898 |
| Net loans and leases to core deposits | 66.2773% | 2,797 |
| Total domestic deposits to total assets | 92.2015% | 130 |
| Equity capital to assets | 7.1265% | 4,693 |
| Core capital (leverage) ratio | 7.4221% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8486% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,166,736,200 | 854 |
| Average earning assets | $1,078,968,800 | 849 |
| Average equity | $92,562,600 | 1,075 |
| Average total loans | $786,731,000 | 808 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 2,327 |
| Cost of funding earning assets | 0.2972% | 2,619 |
| Net interest margin | 3.3851% | 2,196 |
| Noninterest income to average assets | -0.0842% | 4,905 |
| Noninterest expense to average assets | 1.9809% | 3,740 |
| Loan and lease loss provision to assets | 0.2176% | 453 |
| Net operating income to assets | 0.8382% | 3,423 |
| Return on assets (ROA) | 0.8392% | 3,480 |
| Pretax return on assets | 0.8455% | 3,807 |
| Return on Equity (ROE) | 10.2755% | 2,634 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,643 |
| Net charge-offs to loans | 0.3314% | 235 |
| Credit loss provision to net charge-offs | 93.6105% | 1,640 |
| Earnings coverage of net charge-offs (x) | 4.5680% | 2,259 |
| Efficiency ratio | 64.5240% | 2,314 |
| Assets per employee ($millions) | 6.9896% | 1,876 |
| Cash dividends to net income (ytd only)* | 63.1498% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 1,094 |
| Loan loss allowance to noncurrent loans | 129.2913% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 702 |
| Noncurrent loans to loans | 1.3230% | 812 |
| Net loans and leases to total assets | 65.0540% | 1,646 |
| Net loans and leases to deposits | 71.3733% | 2,117 |
| Net loans and leases to core deposits | 77.6366% | 1,916 |
| Total domestic deposits to total assets | 91.1461% | 322 |
| Equity capital to assets | 8.0240% | 4,511 |
| Core capital (leverage) ratio | 7.8619% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5149% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,130,862,500 | 883 |
| Average earning assets | $1,044,681,500 | 879 |
| Average equity | $92,359,750 | 1,090 |
| Average total loans | $793,431,750 | 819 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 1,969 |
| Cost of funding earning assets | 0.3085% | 2,693 |
| Net interest margin | 3.5312% | 1,766 |
| Noninterest income to average assets | -0.1800% | 4,942 |
| Noninterest expense to average assets | 1.8520% | 4,071 |
| Loan and lease loss provision to assets | 0.3358% | 233 |
| Net operating income to assets | 0.8883% | 3,251 |
| Return on assets (ROA) | 0.8899% | 3,324 |
| Pretax return on assets | 0.8993% | 3,666 |
| Return on Equity (ROE) | 10.8302% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.6455% | 3,633 |
| Net charge-offs to loans | 0.5090% | 157 |
| Credit loss provision to net charge-offs | 92.2097% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.3876% | 2,075 |
| Efficiency ratio | 59.4507% | 3,089 |
| Assets per employee ($millions) | 6.6666% | 2,043 |
| Cash dividends to net income (ytd only)* | 66.3392% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 1,128 |
| Loan loss allowance to noncurrent loans | 116.1099% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 672 |
| Noncurrent loans to loans | 1.4366% | 806 |
| Net loans and leases to total assets | 67.3653% | 1,530 |
| Net loans and leases to deposits | 73.8923% | 2,011 |
| Net loans and leases to core deposits | 80.5428% | 1,843 |
| Total domestic deposits to total assets | 91.1669% | 320 |
| Equity capital to assets | 8.0257% | 4,516 |
| Core capital (leverage) ratio | 7.8500% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9441% | 2,972 |
| Memoranda: | ||
| Average total assets | $1,121,060,333 | 880 |
| Average earning assets | $1,036,701,667 | 878 |
| Average equity | $92,113,000 | 1,088 |
| Average total loans | $801,930,000 | 816 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 1,274 |
| Cost of funding earning assets | 0.3265% | 2,738 |
| Net interest margin | 3.8312% | 1,084 |
| Noninterest income to average assets | -0.5764% | 4,974 |
| Noninterest expense to average assets | 1.5437% | 4,605 |
| Loan and lease loss provision to assets | 0.5713% | 107 |
| Net operating income to assets | 0.8175% | 3,364 |
| Return on assets (ROA) | 0.8175% | 3,435 |
| Pretax return on assets | 0.8366% | 3,747 |
| Return on Equity (ROE) | 9.8312% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.8312% | 1,701 |
| Net charge-offs to loans | 0.8878% | 86 |
| Credit loss provision to net charge-offs | 88.0423% | 1,179 |
| Earnings coverage of net charge-offs (x) | 2.1696% | 1,820 |
| Efficiency ratio | 51.6997% | 4,025 |
| Assets per employee ($millions) | 6.7096% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,315 |
| Loan loss allowance to noncurrent loans | 118.2453% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 736 |
| Noncurrent loans to loans | 1.3476% | 953 |
| Net loans and leases to total assets | 72.3360% | 977 |
| Net loans and leases to deposits | 79.5656% | 1,562 |
| Net loans and leases to core deposits | 87.1507% | 1,440 |
| Total domestic deposits to total assets | 90.9137% | 432 |
| Equity capital to assets | 8.2595% | 4,321 |
| Core capital (leverage) ratio | 8.1730% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1058% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,108,265,500 | 882 |
| Average earning assets | $1,020,574,000 | 877 |
| Average equity | $92,156,000 | 1,080 |
| Average total loans | $810,121,500 | 807 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 2,361 |
| Cost of funding earning assets | 0.5170% | 2,830 |
| Net interest margin | 3.6050% | 2,130 |
| Noninterest income to average assets | 0.9032% | 1,255 |
| Noninterest expense to average assets | 2.8833% | 1,731 |
| Loan and lease loss provision to assets | 0.4186% | 718 |
| Net operating income to assets | 0.9215% | 2,603 |
| Return on assets (ROA) | 0.9423% | 2,662 |
| Pretax return on assets | 0.9465% | 3,230 |
| Return on Equity (ROE) | 11.2143% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.2726% | 2,664 |
| Net charge-offs to loans | 0.0804% | 1,671 |
| Credit loss provision to net charge-offs | 728.8303% | 976 |
| Earnings coverage of net charge-offs (x) | 23.4036% | 1,804 |
| Efficiency ratio | 66.7853% | 2,392 |
| Assets per employee ($millions) | 6.7240% | 1,767 |
| Cash dividends to net income (ytd only)* | 61.9000% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,151 |
| Loan loss allowance to noncurrent loans | 104.4334% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 665 |
| Noncurrent loans to loans | 1.5844% | 834 |
| Net loans and leases to total assets | 71.4822% | 1,369 |
| Net loans and leases to deposits | 78.8875% | 1,986 |
| Net loans and leases to core deposits | 86.6655% | 1,814 |
| Total domestic deposits to total assets | 90.6128% | 330 |
| Equity capital to assets | 8.3717% | 4,541 |
| Core capital (leverage) ratio | 7.9628% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7632% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,056,789,800 | 838 |
| Average earning assets | $974,503,800 | 836 |
| Average equity | $88,797,600 | 1,068 |
| Average total loans | $754,570,400 | 821 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 2,117 |
| Cost of funding earning assets | 0.5547% | 2,901 |
| Net interest margin | 3.7386% | 1,801 |
| Noninterest income to average assets | 1.2653% | 683 |
| Noninterest expense to average assets | 3.3170% | 885 |
| Loan and lease loss provision to assets | 0.4508% | 716 |
| Net operating income to assets | 0.9437% | 2,545 |
| Return on assets (ROA) | 0.9714% | 2,580 |
| Pretax return on assets | 0.9770% | 3,142 |
| Return on Equity (ROE) | 11.5499% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.5174% | 3,730 |
| Net charge-offs to loans | 0.0321% | 2,186 |
| Credit loss provision to net charge-offs | 1,974.3017% | 483 |
| Earnings coverage of net charge-offs (x) | 61.3073% | 1,085 |
| Efficiency ratio | 69.0311% | 2,030 |
| Assets per employee ($millions) | 6.5986% | 1,758 |
| Cash dividends to net income (ytd only)* | 78.2038% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 1,139 |
| Loan loss allowance to noncurrent loans | 121.5113% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 920 |
| Noncurrent loans to loans | 1.3066% | 1,130 |
| Net loans and leases to total assets | 72.4322% | 1,601 |
| Net loans and leases to deposits | 80.1717% | 2,296 |
| Net loans and leases to core deposits | 87.7549% | 2,170 |
| Total domestic deposits to total assets | 90.3463% | 318 |
| Equity capital to assets | 8.2498% | 4,605 |
| Core capital (leverage) ratio | 7.7918% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7511% | 2,974 |
| Memoranda: | ||
| Average total assets | $1,045,302,500 | 830 |
| Average earning assets | $965,002,000 | 826 |
| Average equity | $87,917,500 | 1,067 |
| Average total loans | $742,832,000 | 830 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,598 |
| Cost of funding earning assets | 0.5833% | 3,057 |
| Net interest margin | 4.0385% | 1,242 |
| Noninterest income to average assets | 1.6963% | 368 |
| Noninterest expense to average assets | 3.7727% | 523 |
| Loan and lease loss provision to assets | 0.6308% | 487 |
| Net operating income to assets | 1.0149% | 2,268 |
| Return on assets (ROA) | 1.0517% | 2,274 |
| Pretax return on assets | 1.0603% | 2,834 |
| Return on Equity (ROE) | 12.4200% | 1,238 |
| Retained earnings to average equity (ytd only) | 2.4110% | 3,608 |
| Net charge-offs to loans | -0.0127% | 4,274 |
| Credit loss provision to net charge-offs | -7,052.1739% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3650% | 2,191 |
| Assets per employee ($millions) | 6.6165% | 1,696 |
| Cash dividends to net income (ytd only)* | 80.5879% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,046 |
| Loan loss allowance to noncurrent loans | 190.5867% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 1,605 |
| Noncurrent loans to loans | 0.8310% | 1,832 |
| Net loans and leases to total assets | 72.4868% | 1,627 |
| Net loans and leases to deposits | 80.0521% | 2,417 |
| Net loans and leases to core deposits | 87.4951% | 2,306 |
| Total domestic deposits to total assets | 90.5495% | 263 |
| Equity capital to assets | 8.2012% | 4,635 |
| Core capital (leverage) ratio | 7.9184% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7652% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,028,612,667 | 825 |
| Average earning assets | $950,113,667 | 829 |
| Average equity | $87,101,333 | 1,064 |
| Average total loans | $721,708,667 | 837 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,201 |
| Cost of funding earning assets | 0.6271% | 3,293 |
| Net interest margin | 3.5753% | 2,753 |
| Noninterest income to average assets | 2.4769% | 200 |
| Noninterest expense to average assets | 4.5297% | 296 |
| Loan and lease loss provision to assets | 0.1163% | 2,234 |
| Net operating income to assets | 1.1168% | 1,793 |
| Return on assets (ROA) | 1.1883% | 1,671 |
| Pretax return on assets | 1.2059% | 2,173 |
| Return on Equity (ROE) | 13.7952% | 739 |
| Retained earnings to average equity (ytd only) | 9.6641% | 813 |
| Net charge-offs to loans | -0.0141% | 4,197 |
| Credit loss provision to net charge-offs | -1,208.3333% | 3,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3582% | 1,417 |
| Assets per employee ($millions) | 6.2374% | 1,492 |
| Cash dividends to net income (ytd only)* | 29.9460% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,656 |
| Loan loss allowance to noncurrent loans | 148.5614% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 1,645 |
| Noncurrent loans to loans | 0.9509% | 1,729 |
| Net loans and leases to total assets | 67.3987% | 2,633 |
| Net loans and leases to deposits | 74.6039% | 3,208 |
| Net loans and leases to core deposits | 82.1403% | 3,013 |
| Total domestic deposits to total assets | 90.3421% | 231 |
| Equity capital to assets | 8.5154% | 4,826 |
| Core capital (leverage) ratio | 8.5352% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3279% | 2,996 |
| Memoranda: | ||
| Average total assets | $997,057,000 | 820 |
| Average earning assets | $921,090,500 | 821 |
| Average equity | $85,885,000 | 1,074 |
| Average total loans | $680,517,500 | 851 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,289 |
| Cost of funding earning assets | 0.6173% | 3,569 |
| Net interest margin | 3.7696% | 2,613 |
| Noninterest income to average assets | 0.5384% | 2,540 |
| Noninterest expense to average assets | 2.8159% | 2,550 |
| Loan and lease loss provision to assets | 0.0688% | 2,636 |
| Net operating income to assets | 1.1327% | 2,324 |
| Return on assets (ROA) | 1.1580% | 2,316 |
| Pretax return on assets | 1.1620% | 2,977 |
| Return on Equity (ROE) | 13.2603% | 1,094 |
| Retained earnings to average equity (ytd only) | 5.9260% | 1,904 |
| Net charge-offs to loans | 0.2151% | 949 |
| Credit loss provision to net charge-offs | 46.0508% | 3,155 |
| Earnings coverage of net charge-offs (x) | 8.0677% | 2,809 |
| Efficiency ratio | 68.5341% | 2,382 |
| Assets per employee ($millions) | 5.9979% | 1,637 |
| Cash dividends to net income (ytd only)* | 55.3099% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,494 |
| Loan loss allowance to noncurrent loans | 141.7742% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 1,392 |
| Noncurrent loans to loans | 0.9940% | 1,529 |
| Net loans and leases to total assets | 67.1775% | 2,801 |
| Net loans and leases to deposits | 74.1545% | 3,338 |
| Net loans and leases to core deposits | 81.7214% | 3,153 |
| Total domestic deposits to total assets | 90.5912% | 180 |
| Equity capital to assets | 8.7150% | 4,818 |
| Core capital (leverage) ratio | 8.4936% | 4,851 |
| Tier 1 risk-based capital ratio | 11.2127% | 4,768 |
| Total risk-based capital ratio | 12.4629% | 4,663 |
| Memoranda: | ||
| Average total assets | $948,979,200 | 824 |
| Average earning assets | $876,833,600 | 825 |
| Average equity | $82,871,600 | 1,053 |
| Average total loans | $659,156,000 | 844 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 3,371 |
| Cost of funding earning assets | 0.5949% | 3,725 |
| Net interest margin | 3.8002% | 2,598 |
| Noninterest income to average assets | 0.5347% | 2,537 |
| Noninterest expense to average assets | 2.8431% | 2,428 |
| Loan and lease loss provision to assets | 0.1073% | 1,806 |
| Net operating income to assets | 1.0870% | 2,628 |
| Return on assets (ROA) | 1.1091% | 2,626 |
| Pretax return on assets | 1.1145% | 3,260 |
| Return on Equity (ROE) | 12.6939% | 1,389 |
| Retained earnings to average equity (ytd only) | 6.8160% | 1,941 |
| Net charge-offs to loans | 0.0926% | 1,549 |
| Credit loss provision to net charge-offs | 166.0088% | 1,518 |
| Earnings coverage of net charge-offs (x) | 18.5550% | 2,047 |
| Efficiency ratio | 68.8482% | 2,279 |
| Assets per employee ($millions) | 5.9864% | 1,618 |
| Cash dividends to net income (ytd only)* | 46.3053% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 943 |
| Loan loss allowance to noncurrent loans | 125.0714% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,141 |
| Noncurrent loans to loans | 1.3017% | 1,186 |
| Net loans and leases to total assets | 65.4901% | 3,114 |
| Net loans and leases to deposits | 72.4292% | 3,595 |
| Net loans and leases to core deposits | 80.7835% | 3,331 |
| Total domestic deposits to total assets | 90.4195% | 188 |
| Equity capital to assets | 8.8401% | 4,855 |
| Core capital (leverage) ratio | 8.7009% | 4,840 |
| Tier 1 risk-based capital ratio | 11.3895% | 4,725 |
| Total risk-based capital ratio | 12.6420% | 4,619 |
| Memoranda: | ||
| Average total assets | $940,309,750 | 834 |
| Average earning assets | $868,045,000 | 835 |
| Average equity | $82,158,000 | 1,055 |
| Average total loans | $656,384,750 | 847 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 3,360 |
| Cost of funding earning assets | 0.5558% | 3,857 |
| Net interest margin | 3.8346% | 2,464 |
| Noninterest income to average assets | 0.4649% | 2,880 |
| Noninterest expense to average assets | 2.8076% | 2,558 |
| Loan and lease loss provision to assets | 0.1229% | 1,520 |
| Net operating income to assets | 1.0750% | 2,626 |
| Return on assets (ROA) | 1.0846% | 2,654 |
| Pretax return on assets | 1.0926% | 3,256 |
| Return on Equity (ROE) | 12.4643% | 1,424 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,434 |
| Net charge-offs to loans | 0.1085% | 1,322 |
| Credit loss provision to net charge-offs | 159.7765% | 1,429 |
| Earnings coverage of net charge-offs (x) | 15.6704% | 1,972 |
| Efficiency ratio | 68.4554% | 2,455 |
| Assets per employee ($millions) | 5.9060% | 1,613 |
| Cash dividends to net income (ytd only)* | 54.4986% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,093 |
| Loan loss allowance to noncurrent loans | 96.1624% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 832 |
| Noncurrent loans to loans | 1.6348% | 944 |
| Net loans and leases to total assets | 70.8388% | 2,417 |
| Net loans and leases to deposits | 78.4862% | 3,111 |
| Net loans and leases to core deposits | 87.8156% | 2,815 |
| Total domestic deposits to total assets | 90.2564% | 259 |
| Equity capital to assets | 9.0690% | 4,757 |
| Core capital (leverage) ratio | 8.7224% | 4,823 |
| Tier 1 risk-based capital ratio | 11.0482% | 4,886 |
| Total risk-based capital ratio | 12.3003% | 4,800 |
| Memoranda: | ||
| Average total assets | $930,479,330 | 837 |
| Average earning assets | $861,044,000 | 837 |
| Average equity | $80,967,000 | 1,067 |
| Average total loans | $659,968,000 | 848 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 3,598 |
| Cost of funding earning assets | 0.5027% | 4,048 |
| Net interest margin | 3.7840% | 2,590 |
| Noninterest income to average assets | 0.4483% | 2,860 |
| Noninterest expense to average assets | 2.8169% | 2,512 |
| Loan and lease loss provision to assets | 0.1223% | 1,433 |
| Net operating income to assets | 0.9998% | 2,841 |
| Return on assets (ROA) | 1.0036% | 2,868 |
| Pretax return on assets | 1.0198% | 3,381 |
| Return on Equity (ROE) | 11.7781% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.7781% | 658 |
| Net charge-offs to loans | 0.0018% | 2,700 |
| Credit loss provision to net charge-offs | 9,533.3333% | 24 |
| Earnings coverage of net charge-offs (x) | 887.0000% | 61 |
| Efficiency ratio | 69.7166% | 2,390 |
| Assets per employee ($millions) | 5.9241% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,078 |
| Loan loss allowance to noncurrent loans | 73.5680% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 598 |
| Noncurrent loans to loans | 2.1633% | 665 |
| Net loans and leases to total assets | 69.7588% | 2,520 |
| Net loans and leases to deposits | 76.9319% | 3,173 |
| Net loans and leases to core deposits | 85.0127% | 2,953 |
| Total domestic deposits to total assets | 90.6761% | 235 |
| Equity capital to assets | 8.7560% | 4,853 |
| Core capital (leverage) ratio | 8.7998% | 4,793 |
| Tier 1 risk-based capital ratio | 10.8371% | 5,052 |
| Total risk-based capital ratio | 12.0891% | 4,951 |
| Memoranda: | ||
| Average total assets | $935,054,000 | 834 |
| Average earning assets | $866,595,000 | 834 |
| Average equity | $79,673,000 | 1,076 |
| Average total loans | $658,410,500 | 854 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,977 |
| Cost of funding earning assets | 0.3761% | 4,123 |
| Net interest margin | 3.9602% | 2,126 |
| Noninterest income to average assets | 0.3521% | 3,749 |
| Noninterest expense to average assets | 2.7747% | 2,771 |
| Loan and lease loss provision to assets | 0.0114% | 3,907 |
| Net operating income to assets | 1.2460% | 1,990 |
| Return on assets (ROA) | 1.2460% | 1,986 |
| Pretax return on assets | 1.2463% | 2,708 |
| Return on Equity (ROE) | 14.5080% | 936 |
| Retained earnings to average equity (ytd only) | 3.1907% | 3,803 |
| Net charge-offs to loans | -0.1201% | 5,189 |
| Credit loss provision to net charge-offs | -12.9870% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1925% | 2,677 |
| Assets per employee ($millions) | 6.0258% | 1,499 |
| Cash dividends to net income (ytd only)* | 78.0071% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,140 |
| Loan loss allowance to noncurrent loans | 118.7762% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 1,156 |
| Noncurrent loans to loans | 1.3073% | 1,206 |
| Net loans and leases to total assets | 68.8602% | 2,752 |
| Net loans and leases to deposits | 75.5733% | 3,383 |
| Net loans and leases to core deposits | 82.9383% | 3,185 |
| Total domestic deposits to total assets | 91.1171% | 177 |
| Equity capital to assets | 8.2878% | 5,050 |
| Core capital (leverage) ratio | 8.5498% | 4,997 |
| Tier 1 risk-based capital ratio | 10.6055% | 5,142 |
| Total risk-based capital ratio | 11.8571% | 5,039 |
| Memoranda: | ||
| Average total assets | $878,728,800 | 867 |
| Average earning assets | $816,633,400 | 857 |
| Average equity | $75,468,600 | 1,083 |
| Average total loans | $640,984,400 | 845 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,846 |
| Cost of funding earning assets | 0.3727% | 4,031 |
| Net interest margin | 3.9585% | 2,093 |
| Noninterest income to average assets | 0.3258% | 3,962 |
| Noninterest expense to average assets | 2.7832% | 2,693 |
| Loan and lease loss provision to assets | 0.0463% | 3,058 |
| Net operating income to assets | 1.1767% | 2,333 |
| Return on assets (ROA) | 1.1767% | 2,337 |
| Pretax return on assets | 1.1772% | 3,083 |
| Return on Equity (ROE) | 13.5719% | 1,244 |
| Retained earnings to average equity (ytd only) | -0.2868% | 5,072 |
| Net charge-offs to loans | -0.1262% | 5,214 |
| Credit loss provision to net charge-offs | -49.7512% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7908% | 2,577 |
| Assets per employee ($millions) | 5.5865% | 1,839 |
| Cash dividends to net income (ytd only)* | 102.1128% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,102 |
| Loan loss allowance to noncurrent loans | 123.8124% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 1,161 |
| Noncurrent loans to loans | 1.2838% | 1,314 |
| Net loans and leases to total assets | 71.3957% | 2,427 |
| Net loans and leases to deposits | 78.4811% | 3,191 |
| Net loans and leases to core deposits | 87.1332% | 2,906 |
| Total domestic deposits to total assets | 90.9718% | 232 |
| Equity capital to assets | 8.3549% | 5,006 |
| Core capital (leverage) ratio | 8.5875% | 5,042 |
| Tier 1 risk-based capital ratio | 10.4052% | 5,272 |
| Total risk-based capital ratio | 11.6571% | 5,188 |
| Memoranda: | ||
| Average total assets | $863,403,750 | 879 |
| Average earning assets | $802,847,750 | 874 |
| Average equity | $74,858,750 | 1,094 |
| Average total loans | $636,851,500 | 853 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,130 |
| Cost of funding earning assets | 0.3651% | 3,978 |
| Net interest margin | 3.8293% | 2,461 |
| Noninterest income to average assets | 0.3188% | 4,047 |
| Noninterest expense to average assets | 2.8775% | 2,417 |
| Loan and lease loss provision to assets | 0.0702% | 2,481 |
| Net operating income to assets | 0.9297% | 3,321 |
| Return on assets (ROA) | 0.9297% | 3,323 |
| Pretax return on assets | 0.9304% | 3,871 |
| Return on Equity (ROE) | 10.5895% | 2,284 |
| Retained earnings to average equity (ytd only) | -8.1120% | 5,385 |
| Net charge-offs to loans | -0.2264% | 5,349 |
| Credit loss provision to net charge-offs | -41.7827% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4202% | 1,930 |
| Assets per employee ($millions) | 5.4566% | 1,931 |
| Cash dividends to net income (ytd only)* | 176.6038% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,096 |
| Loan loss allowance to noncurrent loans | 122.6089% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 1,212 |
| Noncurrent loans to loans | 1.3098% | 1,303 |
| Net loans and leases to total assets | 73.6115% | 2,010 |
| Net loans and leases to deposits | 80.8742% | 2,865 |
| Net loans and leases to core deposits | 89.8157% | 2,586 |
| Total domestic deposits to total assets | 91.0197% | 243 |
| Equity capital to assets | 8.3428% | 5,053 |
| Core capital (leverage) ratio | 8.4115% | 5,163 |
| Tier 1 risk-based capital ratio | 10.0531% | 5,421 |
| Total risk-based capital ratio | 11.3054% | 5,352 |
| Memoranda: | ||
| Average total assets | $855,122,670 | 891 |
| Average earning assets | $794,811,670 | 883 |
| Average equity | $75,074,330 | 1,085 |
| Average total loans | $634,331,000 | 855 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,246 |
| Cost of funding earning assets | 0.3609% | 3,903 |
| Net interest margin | 3.7366% | 2,661 |
| Noninterest income to average assets | 0.3758% | 3,621 |
| Noninterest expense to average assets | 2.9629% | 2,167 |
| Loan and lease loss provision to assets | 0.1409% | 1,338 |
| Net operating income to assets | 0.7473% | 3,915 |
| Return on assets (ROA) | 0.7473% | 3,917 |
| Pretax return on assets | 0.7487% | 4,301 |
| Return on Equity (ROE) | 8.3029% | 3,246 |
| Retained earnings to average equity (ytd only) | 8.3029% | 1,729 |
| Net charge-offs to loans | -0.0197% | 4,552 |
| Credit loss provision to net charge-offs | -967.7419% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0305% | 1,744 |
| Assets per employee ($millions) | 5.5052% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,334 |
| Loan loss allowance to noncurrent loans | 73.0714% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.7159% | 739 |
| Noncurrent loans to loans | 2.1004% | 741 |
| Net loans and leases to total assets | 71.7850% | 2,207 |
| Net loans and leases to deposits | 79.8073% | 2,828 |
| Net loans and leases to core deposits | 88.2373% | 2,612 |
| Total domestic deposits to total assets | 89.9478% | 676 |
| Equity capital to assets | 8.8890% | 4,670 |
| Core capital (leverage) ratio | 9.0338% | 4,645 |
| Tier 1 risk-based capital ratio | 10.9696% | 5,144 |
| Total risk-based capital ratio | 12.2213% | 5,046 |
| Memoranda: | ||
| Average total assets | $851,611,500 | 895 |
| Average earning assets | $792,382,500 | 889 |
| Average equity | $76,648,000 | 1,071 |
| Average total loans | $628,998,500 | 868 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 2,898 |
| Cost of funding earning assets | 0.3362% | 3,830 |
| Net interest margin | 3.8094% | 2,385 |
| Noninterest income to average assets | 0.8279% | 1,474 |
| Noninterest expense to average assets | 3.2198% | 1,564 |
| Loan and lease loss provision to assets | 0.1220% | 1,874 |
| Net operating income to assets | 0.9511% | 2,443 |
| Return on assets (ROA) | 0.9518% | 2,470 |
| Pretax return on assets | 1.0112% | 3,523 |
| Return on Equity (ROE) | 10.7773% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.7776% | 834 |
| Net charge-offs to loans | 0.0783% | 2,327 |
| Credit loss provision to net charge-offs | 210.5263% | 1,293 |
| Earnings coverage of net charge-offs (x) | 19.5389% | 2,018 |
| Efficiency ratio | 72.1535% | 2,198 |
| Assets per employee ($millions) | 4.5593% | 3,097 |
| Cash dividends to net income (ytd only)* | 27.8333% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,447 |
| Loan loss allowance to noncurrent loans | 71.5983% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 724 |
| Noncurrent loans to loans | 2.0776% | 725 |
| Net loans and leases to total assets | 73.7313% | 1,965 |
| Net loans and leases to deposits | 82.2181% | 2,701 |
| Net loans and leases to core deposits | 91.2798% | 2,431 |
| Total domestic deposits to total assets | 89.6777% | 696 |
| Equity capital to assets | 9.1150% | 4,603 |
| Core capital (leverage) ratio | 9.0656% | 4,564 |
| Tier 1 risk-based capital ratio | 10.9453% | 5,177 |
| Total risk-based capital ratio | 12.1965% | 5,057 |
| Memoranda: | ||
| Average total assets | $819,502,400 | 911 |
| Average earning assets | $758,168,000 | 907 |
| Average equity | $72,374,600 | 1,098 |
| Average total loans | $606,849,600 | 859 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,823 |
| Cost of funding earning assets | 0.3277% | 3,867 |
| Net interest margin | 3.8165% | 2,338 |
| Noninterest income to average assets | 0.8622% | 1,395 |
| Noninterest expense to average assets | 3.1784% | 1,607 |
| Loan and lease loss provision to assets | 0.1227% | 1,766 |
| Net operating income to assets | 1.0509% | 2,326 |
| Return on assets (ROA) | 1.0519% | 2,361 |
| Pretax return on assets | 1.0925% | 3,329 |
| Return on Equity (ROE) | 12.0097% | 1,336 |
| Retained earnings to average equity (ytd only) | 9.0367% | 827 |
| Net charge-offs to loans | -0.1381% | 5,458 |
| Credit loss provision to net charge-offs | -120.3852% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5391% | 2,447 |
| Assets per employee ($millions) | 4.2141% | 3,620 |
| Cash dividends to net income (ytd only)* | 24.7549% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 1,135 |
| Loan loss allowance to noncurrent loans | 96.9639% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 1,044 |
| Noncurrent loans to loans | 1.7020% | 1,060 |
| Net loans and leases to total assets | 73.5067% | 2,001 |
| Net loans and leases to deposits | 85.5985% | 2,354 |
| Net loans and leases to core deposits | 95.0847% | 2,161 |
| Total domestic deposits to total assets | 85.8738% | 2,361 |
| Equity capital to assets | 9.2946% | 4,649 |
| Core capital (leverage) ratio | 9.1444% | 4,577 |
| Tier 1 risk-based capital ratio | 10.9614% | 5,267 |
| Total risk-based capital ratio | 12.2145% | 5,156 |
| Memoranda: | ||
| Average total assets | $814,650,250 | 918 |
| Average earning assets | $753,590,000 | 918 |
| Average equity | $71,351,500 | 1,120 |
| Average total loans | $601,592,000 | 873 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 2,820 |
| Cost of funding earning assets | 0.3130% | 3,948 |
| Net interest margin | 3.7894% | 2,323 |
| Noninterest income to average assets | 0.7737% | 1,672 |
| Noninterest expense to average assets | 3.1472% | 1,712 |
| Loan and lease loss provision to assets | 0.1233% | 1,676 |
| Net operating income to assets | 0.9684% | 2,574 |
| Return on assets (ROA) | 0.9698% | 2,615 |
| Pretax return on assets | 1.0075% | 3,540 |
| Return on Equity (ROE) | 11.3077% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.4003% | 1,032 |
| Net charge-offs to loans | -0.1546% | 5,533 |
| Credit loss provision to net charge-offs | -108.4599% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7169% | 2,396 |
| Assets per employee ($millions) | 4.0849% | 3,817 |
| Cash dividends to net income (ytd only)* | 25.7121% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 1,253 |
| Loan loss allowance to noncurrent loans | 87.2935% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 975 |
| Noncurrent loans to loans | 1.8378% | 965 |
| Net loans and leases to total assets | 73.0268% | 2,038 |
| Net loans and leases to deposits | 83.2272% | 2,576 |
| Net loans and leases to core deposits | 92.1646% | 2,324 |
| Total domestic deposits to total assets | 87.7439% | 1,595 |
| Equity capital to assets | 8.7269% | 5,123 |
| Core capital (leverage) ratio | 8.6312% | 5,111 |
| Tier 1 risk-based capital ratio | 10.1861% | 5,583 |
| Total risk-based capital ratio | 11.4384% | 5,518 |
| Memoranda: | ||
| Average total assets | $810,879,670 | 930 |
| Average earning assets | $749,566,670 | 928 |
| Average equity | $69,545,330 | 1,149 |
| Average total loans | $596,347,670 | 884 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 2,967 |
| Cost of funding earning assets | 0.2986% | 4,059 |
| Net interest margin | 3.7192% | 2,421 |
| Noninterest income to average assets | 0.6746% | 2,063 |
| Noninterest expense to average assets | 2.9353% | 2,350 |
| Loan and lease loss provision to assets | 0.1241% | 1,549 |
| Net operating income to assets | 1.0226% | 2,212 |
| Return on assets (ROA) | 1.0226% | 2,267 |
| Pretax return on assets | 1.0534% | 3,160 |
| Return on Equity (ROE) | 12.0308% | 1,227 |
| Retained earnings to average equity (ytd only) | 11.2132% | 569 |
| Net charge-offs to loans | 0.0244% | 2,272 |
| Credit loss provision to net charge-offs | 694.4444% | 463 |
| Earnings coverage of net charge-offs (x) | 65.8889% | 750 |
| Efficiency ratio | 69.4146% | 2,982 |
| Assets per employee ($millions) | 3.8946% | 4,192 |
| Cash dividends to net income (ytd only)* | 6.7961% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,523 |
| Loan loss allowance to noncurrent loans | 66.8939% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 693 |
| Noncurrent loans to loans | 2.3113% | 708 |
| Net loans and leases to total assets | 72.7146% | 1,964 |
| Net loans and leases to deposits | 82.5637% | 2,444 |
| Net loans and leases to core deposits | 90.8741% | 2,282 |
| Total domestic deposits to total assets | 88.0709% | 1,681 |
| Equity capital to assets | 8.8193% | 4,984 |
| Core capital (leverage) ratio | 8.5215% | 5,212 |
| Tier 1 risk-based capital ratio | 10.2520% | 5,633 |
| Total risk-based capital ratio | 11.5034% | 5,577 |
| Memoranda: | ||
| Average total assets | $805,786,500 | 939 |
| Average earning assets | $744,892,000 | 938 |
| Average equity | $68,491,000 | 1,160 |
| Average total loans | $589,834,500 | 888 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,007 |
| Cost of funding earning assets | 0.2323% | 4,718 |
| Net interest margin | 3.8218% | 2,240 |
| Noninterest income to average assets | 0.9207% | 1,345 |
| Noninterest expense to average assets | 3.2155% | 1,752 |
| Loan and lease loss provision to assets | 0.9663% | 109 |
| Net operating income to assets | 0.2758% | 5,273 |
| Return on assets (ROA) | 0.2821% | 5,323 |
| Pretax return on assets | 0.3019% | 5,363 |
| Return on Equity (ROE) | 3.0836% | 5,135 |
| Retained earnings to average equity (ytd only) | -9.7323% | 5,784 |
| Net charge-offs to loans | 0.7463% | 279 |
| Credit loss provision to net charge-offs | 183.3572% | 1,531 |
| Earnings coverage of net charge-offs (x) | 2.3935% | 3,838 |
| Efficiency ratio | 69.9975% | 2,901 |
| Assets per employee ($millions) | 4.4382% | 3,209 |
| Cash dividends to net income (ytd only)* | 415.6111% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,756 |
| Loan loss allowance to noncurrent loans | 55.3011% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.0160% | 678 |
| Noncurrent loans to loans | 2.6756% | 564 |
| Net loans and leases to total assets | 71.4856% | 2,245 |
| Net loans and leases to deposits | 85.0765% | 2,301 |
| Net loans and leases to core deposits | 90.7799% | 2,432 |
| Total domestic deposits to total assets | 84.0251% | 3,412 |
| Equity capital to assets | 8.1914% | 5,474 |
| Core capital (leverage) ratio | 8.2904% | 5,444 |
| Tier 1 risk-based capital ratio | 9.6842% | 5,797 |
| Total risk-based capital ratio | 10.9347% | 5,780 |
| Memoranda: | ||
| Average total assets | $794,682,600 | 912 |
| Average earning assets | $739,451,800 | 900 |
| Average equity | $72,706,200 | 1,089 |
| Average total loans | $561,167,000 | 883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 2,991 |
| Cost of funding earning assets | 0.2239% | 4,846 |
| Net interest margin | 3.8446% | 2,179 |
| Noninterest income to average assets | 0.9050% | 1,392 |
| Noninterest expense to average assets | 3.2872% | 1,595 |
| Loan and lease loss provision to assets | 0.7503% | 145 |
| Net operating income to assets | 0.4408% | 4,900 |
| Return on assets (ROA) | 0.4497% | 4,960 |
| Pretax return on assets | 0.4637% | 5,201 |
| Return on Equity (ROE) | 4.7846% | 4,608 |
| Retained earnings to average equity (ytd only) | -6.9483% | 5,792 |
| Net charge-offs to loans | 0.0005% | 3,944 |
| Credit loss provision to net charge-offs | 221,750.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 3,556.4644% | 14 |
| Efficiency ratio | 71.3393% | 2,677 |
| Assets per employee ($millions) | 4.2787% | 3,449 |
| Cash dividends to net income (ytd only)* | 245.2221% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 1,226 |
| Loan loss allowance to noncurrent loans | 57.4236% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.2123% | 658 |
| Noncurrent loans to loans | 2.9557% | 514 |
| Net loans and leases to total assets | 71.3976% | 2,280 |
| Net loans and leases to deposits | 86.8736% | 2,158 |
| Net loans and leases to core deposits | 92.4113% | 2,337 |
| Total domestic deposits to total assets | 82.1856% | 3,887 |
| Equity capital to assets | 9.2481% | 4,923 |
| Core capital (leverage) ratio | 8.7861% | 5,070 |
| Tier 1 risk-based capital ratio | 10.4023% | 5,654 |
| Total risk-based capital ratio | 11.6553% | 5,585 |
| Memoranda: | ||
| Average total assets | $788,088,000 | 917 |
| Average earning assets | $735,313,000 | 902 |
| Average equity | $74,068,750 | 1,078 |
| Average total loans | $552,520,000 | 894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,078 |
| Cost of funding earning assets | 0.2143% | 4,998 |
| Net interest margin | 3.8325% | 2,202 |
| Noninterest income to average assets | 0.7175% | 2,059 |
| Noninterest expense to average assets | 3.2885% | 1,612 |
| Loan and lease loss provision to assets | 0.6616% | 167 |
| Net operating income to assets | 0.3256% | 5,250 |
| Return on assets (ROA) | 0.3324% | 5,312 |
| Pretax return on assets | 0.3464% | 5,423 |
| Return on Equity (ROE) | 3.5182% | 5,091 |
| Retained earnings to average equity (ytd only) | -12.6149% | 5,909 |
| Net charge-offs to loans | 0.0084% | 3,411 |
| Credit loss provision to net charge-offs | 11,317.3913% | 26 |
| Earnings coverage of net charge-offs (x) | 171.2174% | 373 |
| Efficiency ratio | 74.7408% | 2,255 |
| Assets per employee ($millions) | 4.4142% | 3,191 |
| Cash dividends to net income (ytd only)* | 458.5627% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 2,259 |
| Loan loss allowance to noncurrent loans | 46.0365% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.2386% | 672 |
| Noncurrent loans to loans | 3.0574% | 482 |
| Net loans and leases to total assets | 70.0685% | 2,471 |
| Net loans and leases to deposits | 84.1604% | 2,445 |
| Net loans and leases to core deposits | 89.1574% | 2,624 |
| Total domestic deposits to total assets | 83.2558% | 3,555 |
| Equity capital to assets | 9.1955% | 5,070 |
| Core capital (leverage) ratio | 8.8687% | 4,979 |
| Tier 1 risk-based capital ratio | 10.5804% | 5,637 |
| Total risk-based capital ratio | 11.8067% | 5,558 |
| Memoranda: | ||
| Average total assets | $786,929,330 | 916 |
| Average earning assets | $733,405,000 | 904 |
| Average equity | $74,356,670 | 1,074 |
| Average total loans | $545,054,670 | 901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 2,997 |
| Cost of funding earning assets | 0.2133% | 5,072 |
| Net interest margin | 3.8485% | 2,110 |
| Noninterest income to average assets | 0.6240% | 2,394 |
| Noninterest expense to average assets | 3.2934% | 1,620 |
| Loan and lease loss provision to assets | 0.6718% | 157 |
| Net operating income to assets | 0.2339% | 5,469 |
| Return on assets (ROA) | 0.2475% | 5,504 |
| Pretax return on assets | 0.2577% | 5,571 |
| Return on Equity (ROE) | 2.5849% | 5,362 |
| Retained earnings to average equity (ytd only) | -12.8713% | 5,874 |
| Net charge-offs to loans | 0.0231% | 2,471 |
| Credit loss provision to net charge-offs | 4,254.8387% | 95 |
| Earnings coverage of net charge-offs (x) | 57.9677% | 803 |
| Efficiency ratio | 76.2919% | 2,139 |
| Assets per employee ($millions) | 4.3195% | 3,377 |
| Cash dividends to net income (ytd only)* | 597.9424% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,183 |
| Loan loss allowance to noncurrent loans | 38.2440% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.3032% | 686 |
| Noncurrent loans to loans | 3.2689% | 452 |
| Net loans and leases to total assets | 67.5488% | 2,722 |
| Net loans and leases to deposits | 75.7380% | 3,248 |
| Net loans and leases to core deposits | 79.9955% | 3,320 |
| Total domestic deposits to total assets | 89.1875% | 1,004 |
| Equity capital to assets | 9.6194% | 4,543 |
| Core capital (leverage) ratio | 9.0020% | 4,853 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,300 |
| Total risk-based capital ratio | 12.4368% | 5,311 |
| Memoranda: | ||
| Average total assets | $785,319,000 | 920 |
| Average earning assets | $731,501,500 | 909 |
| Average equity | $75,206,000 | 1,056 |
| Average total loans | $536,807,000 | 909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,293 |
| Cost of funding earning assets | 0.2229% | 5,064 |
| Net interest margin | 3.5020% | 3,512 |
| Noninterest income to average assets | 0.7157% | 2,122 |
| Noninterest expense to average assets | 2.6789% | 3,656 |
| Loan and lease loss provision to assets | 0.2430% | 786 |
| Net operating income to assets | 1.0147% | 2,285 |
| Return on assets (ROA) | 1.0456% | 2,234 |
| Pretax return on assets | 1.1074% | 3,014 |
| Return on Equity (ROE) | 11.9983% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.1006% | 1,238 |
| Net charge-offs to loans | -0.1486% | 5,892 |
| Credit loss provision to net charge-offs | -270.8945% | 5,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0845% | 4,063 |
| Assets per employee ($millions) | 4.7186% | 2,704 |
| Cash dividends to net income (ytd only)* | 40.8201% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,727 |
| Loan loss allowance to noncurrent loans | 42.7459% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.6270% | 1,206 |
| Noncurrent loans to loans | 2.2865% | 842 |
| Net loans and leases to total assets | 67.6404% | 2,767 |
| Net loans and leases to deposits | 75.7361% | 3,288 |
| Net loans and leases to core deposits | 79.8220% | 3,370 |
| Total domestic deposits to total assets | 89.3107% | 960 |
| Equity capital to assets | 9.5349% | 4,518 |
| Core capital (leverage) ratio | 9.1083% | 4,741 |
| Tier 1 risk-based capital ratio | 11.5953% | 5,195 |
| Total risk-based capital ratio | 12.4411% | 5,324 |
| Memoranda: | ||
| Average total assets | $835,030,600 | 832 |
| Average earning assets | $782,305,200 | 809 |
| Average equity | $72,768,600 | 1,051 |
| Average total loans | $504,048,000 | 930 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,704 |
| Cost of funding earning assets | 0.2260% | 5,122 |
| Net interest margin | 3.3846% | 4,019 |
| Noninterest income to average assets | 0.6917% | 2,270 |
| Noninterest expense to average assets | 2.5778% | 3,955 |
| Loan and lease loss provision to assets | 0.1783% | 1,176 |
| Net operating income to assets | 1.0594% | 2,173 |
| Return on assets (ROA) | 1.0953% | 2,111 |
| Pretax return on assets | 1.1447% | 3,039 |
| Return on Equity (ROE) | 12.8545% | 1,163 |
| Retained earnings to average equity (ytd only) | 6.2485% | 2,091 |
| Net charge-offs to loans | -0.1172% | 5,844 |
| Credit loss provision to net charge-offs | -260.1382% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7621% | 4,108 |
| Assets per employee ($millions) | 4.7226% | 2,663 |
| Cash dividends to net income (ytd only)* | 51.3911% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 5,584 |
| Loan loss allowance to noncurrent loans | 54.5032% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 2,326 |
| Noncurrent loans to loans | 1.4145% | 1,793 |
| Net loans and leases to total assets | 66.6587% | 2,907 |
| Net loans and leases to deposits | 74.5889% | 3,469 |
| Net loans and leases to core deposits | 78.7651% | 3,533 |
| Total domestic deposits to total assets | 89.3682% | 830 |
| Equity capital to assets | 9.3985% | 4,882 |
| Core capital (leverage) ratio | 8.7211% | 5,327 |
| Tier 1 risk-based capital ratio | 11.5099% | 5,370 |
| Total risk-based capital ratio | 12.1768% | 5,607 |
| Memoranda: | ||
| Average total assets | $844,427,750 | 825 |
| Average earning assets | $791,299,000 | 797 |
| Average equity | $71,952,000 | 1,063 |
| Average total loans | $493,880,750 | 954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,226 |
| Cost of funding earning assets | 0.2269% | 5,171 |
| Net interest margin | 3.1753% | 4,733 |
| Noninterest income to average assets | 0.6327% | 2,566 |
| Noninterest expense to average assets | 2.4510% | 4,395 |
| Loan and lease loss provision to assets | 0.1005% | 2,150 |
| Net operating income to assets | 1.0198% | 2,297 |
| Return on assets (ROA) | 1.0438% | 2,278 |
| Pretax return on assets | 1.0914% | 3,210 |
| Return on Equity (ROE) | 12.6505% | 1,182 |
| Retained earnings to average equity (ytd only) | 4.9718% | 2,880 |
| Net charge-offs to loans | -0.1373% | 5,901 |
| Credit loss provision to net charge-offs | -131.2121% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5843% | 4,087 |
| Assets per employee ($millions) | 5.1189% | 2,125 |
| Cash dividends to net income (ytd only)* | 60.6984% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 5,896 |
| Loan loss allowance to noncurrent loans | 131.0495% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 4,403 |
| Noncurrent loans to loans | 0.4948% | 3,988 |
| Net loans and leases to total assets | 61.8969% | 3,563 |
| Net loans and leases to deposits | 68.7760% | 4,053 |
| Net loans and leases to core deposits | 72.5122% | 4,086 |
| Total domestic deposits to total assets | 89.9977% | 665 |
| Equity capital to assets | 8.8852% | 5,351 |
| Core capital (leverage) ratio | 8.0506% | 5,905 |
| Tier 1 risk-based capital ratio | 12.3710% | 4,896 |
| Total risk-based capital ratio | 12.9654% | 5,243 |
| Memoranda: | ||
| Average total assets | $861,439,670 | 808 |
| Average earning assets | $809,888,330 | 781 |
| Average equity | $71,080,330 | 1,082 |
| Average total loans | $480,849,670 | 971 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1971% | 5,654 |
| Cost of funding earning assets | 0.2308% | 5,206 |
| Net interest margin | 2.9663% | 5,302 |
| Noninterest income to average assets | 0.5724% | 2,820 |
| Noninterest expense to average assets | 2.3239% | 4,813 |
| Loan and lease loss provision to assets | 0.0612% | 2,702 |
| Net operating income to assets | 0.9272% | 2,622 |
| Return on assets (ROA) | 0.9272% | 2,744 |
| Pretax return on assets | 0.9716% | 3,598 |
| Return on Equity (ROE) | 11.6524% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.6524% | 620 |
| Net charge-offs to loans | -0.4745% | 6,232 |
| Credit loss provision to net charge-offs | -24.4123% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9637% | 3,991 |
| Assets per employee ($millions) | 6.0555% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 5,924 |
| Loan loss allowance to noncurrent loans | 63.6435% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 3,623 |
| Noncurrent loans to loans | 1.0811% | 2,600 |
| Net loans and leases to total assets | 51.7508% | 4,683 |
| Net loans and leases to deposits | 57.0203% | 4,982 |
| Net loans and leases to core deposits | 59.7085% | 5,012 |
| Total domestic deposits to total assets | 90.7586% | 452 |
| Equity capital to assets | 8.2577% | 5,899 |
| Core capital (leverage) ratio | 7.6573% | 6,089 |
| Tier 1 risk-based capital ratio | 13.0628% | 4,565 |
| Total risk-based capital ratio | 13.6896% | 4,864 |
| Memoranda: | ||
| Average total assets | $882,647,000 | 793 |
| Average earning assets | $828,499,000 | 773 |
| Average equity | $70,234,500 | 1,099 |
| Average total loans | $466,144,500 | 992 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 1,361 |
| Cost of funding earning assets | 0.5765% | 1,989 |
| Net interest margin | 4.1005% | 1,574 |
| Noninterest income to average assets | 1.4898% | 549 |
| Noninterest expense to average assets | 4.7397% | 379 |
| Loan and lease loss provision to assets | -1.0642% | 6,495 |
| Net operating income to assets | 1.5864% | 727 |
| Return on assets (ROA) | 1.6524% | 661 |
| Pretax return on assets | 1.7299% | 923 |
| Return on Equity (ROE) | 13.8160% | 966 |
| Retained earnings to average equity (ytd only) | 13.8160% | 187 |
| Net charge-offs to loans | 1.0977% | 259 |
| Credit loss provision to net charge-offs | -111.4524% | 5,542 |
| Earnings coverage of net charge-offs (x) | 0.6253% | 4,604 |
| Efficiency ratio | 87.4706% | 1,039 |
| Assets per employee ($millions) | 2.5848% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,531 |
| Loan loss allowance to noncurrent loans | 53.0011% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 1,531 |
| Noncurrent loans to loans | 1.6595% | 1,759 |
| Net loans and leases to total assets | 90.7750% | 52 |
| Net loans and leases to deposits | 115.1784% | 144 |
| Net loans and leases to core deposits | 119.8850% | 414 |
| Total domestic deposits to total assets | 78.8125% | 5,290 |
| Equity capital to assets | 12.5228% | 1,636 |
| Core capital (leverage) ratio | 12.7313% | 1,238 |
| Tier 1 risk-based capital ratio | 13.1942% | 4,591 |
| Total risk-based capital ratio | 14.0690% | 4,759 |
| Memoranda: | ||
| Average total assets | $238,685,600 | 2,625 |
| Average earning assets | $223,921,200 | 2,590 |
| Average equity | $28,546,600 | 2,372 |
| Average total loans | $207,614,800 | 1,988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 1,492 |
| Cost of funding earning assets | 0.6049% | 1,787 |
| Net interest margin | 4.0236% | 1,811 |
| Noninterest income to average assets | 1.4432% | 605 |
| Noninterest expense to average assets | 4.7752% | 367 |
| Loan and lease loss provision to assets | -1.5473% | 6,586 |
| Net operating income to assets | 1.9060% | 414 |
| Return on assets (ROA) | 1.9670% | 375 |
| Pretax return on assets | 2.0587% | 498 |
| Return on Equity (ROE) | 16.6499% | 600 |
| Retained earnings to average equity (ytd only) | 16.6499% | 150 |
| Net charge-offs to loans | -0.1994% | 6,311 |
| Credit loss provision to net charge-offs | 904.6053% | 352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1343% | 765 |
| Assets per employee ($millions) | 2.6434% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0022% | 1,255 |
| Loan loss allowance to noncurrent loans | 59.1410% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.3148% | 662 |
| Noncurrent loans to loans | 3.3855% | 718 |
| Net loans and leases to total assets | 89.5151% | 68 |
| Net loans and leases to deposits | 110.7754% | 197 |
| Net loans and leases to core deposits | 115.7449% | 517 |
| Total domestic deposits to total assets | 80.8077% | 4,877 |
| Equity capital to assets | 12.7531% | 1,551 |
| Core capital (leverage) ratio | 12.5510% | 1,381 |
| Tier 1 risk-based capital ratio | 13.5054% | 4,535 |
| Total risk-based capital ratio | 14.7678% | 4,469 |
| Memoranda: | ||
| Average total assets | $236,967,000 | 2,656 |
| Average earning assets | $222,612,750 | 2,607 |
| Average equity | $27,995,500 | 2,418 |
| Average total loans | $203,297,250 | 2,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,801 |
| Cost of funding earning assets | 0.6272% | 1,665 |
| Net interest margin | 3.8817% | 2,246 |
| Noninterest income to average assets | 1.2905% | 708 |
| Noninterest expense to average assets | 4.4140% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4986% | 4,814 |
| Return on assets (ROA) | 0.5459% | 4,718 |
| Pretax return on assets | 0.5721% | 5,048 |
| Return on Equity (ROE) | 4.7476% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.7476% | 3,119 |
| Net charge-offs to loans | -0.1490% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1115% | 981 |
| Assets per employee ($millions) | 2.6057% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3805% | 261 |
| Loan loss allowance to noncurrent loans | 99.5556% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 3.2002% | 776 |
| Noncurrent loans to loans | 3.3956% | 802 |
| Net loans and leases to total assets | 84.6427% | 257 |
| Net loans and leases to deposits | 100.1054% | 554 |
| Net loans and leases to core deposits | 105.5329% | 923 |
| Total domestic deposits to total assets | 84.5536% | 3,701 |
| Equity capital to assets | 11.7601% | 2,196 |
| Core capital (leverage) ratio | 11.2365% | 2,215 |
| Tier 1 risk-based capital ratio | 13.0157% | 4,900 |
| Total risk-based capital ratio | 14.2960% | 4,810 |
| Memoranda: | ||
| Average total assets | $236,655,000 | 2,665 |
| Average earning assets | $222,275,000 | 2,623 |
| Average equity | $27,214,000 | 2,463 |
| Average total loans | $198,626,330 | 2,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 2,093 |
| Cost of funding earning assets | 0.6421% | 1,635 |
| Net interest margin | 3.7705% | 2,592 |
| Noninterest income to average assets | 1.1139% | 899 |
| Noninterest expense to average assets | 4.2385% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4040% | 5,097 |
| Return on assets (ROA) | 0.4476% | 5,011 |
| Pretax return on assets | 0.4678% | 5,262 |
| Return on Equity (ROE) | 3.9361% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.9361% | 3,753 |
| Net charge-offs to loans | -0.0328% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6137% | 979 |
| Assets per employee ($millions) | 2.6773% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4725% | 275 |
| Loan loss allowance to noncurrent loans | 75.6664% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 4.0007% | 589 |
| Noncurrent loans to loans | 4.5893% | 514 |
| Net loans and leases to total assets | 79.4786% | 608 |
| Net loans and leases to deposits | 92.3712% | 925 |
| Net loans and leases to core deposits | 97.5678% | 1,270 |
| Total domestic deposits to total assets | 86.0426% | 3,342 |
| Equity capital to assets | 11.4045% | 2,326 |
| Core capital (leverage) ratio | 11.0753% | 2,325 |
| Tier 1 risk-based capital ratio | 12.8997% | 5,060 |
| Total risk-based capital ratio | 14.1795% | 4,980 |
| Memoranda: | ||
| Average total assets | $237,725,500 | 2,661 |
| Average earning assets | $223,630,500 | 2,623 |
| Average equity | $27,031,500 | 2,468 |
| Average total loans | $195,217,500 | 2,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 2,108 |
| Cost of funding earning assets | 0.7921% | 1,255 |
| Net interest margin | 3.7338% | 2,927 |
| Noninterest income to average assets | 2.3332% | 314 |
| Noninterest expense to average assets | 5.0613% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5411% | 4,554 |
| Return on assets (ROA) | 0.5411% | 4,674 |
| Pretax return on assets | 0.7556% | 4,315 |
| Return on Equity (ROE) | 4.8061% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.8061% | 2,728 |
| Net charge-offs to loans | 0.1275% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.2612% | 2,880 |
| Efficiency ratio | 86.7397% | 1,344 |
| Assets per employee ($millions) | 2.6648% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4993% | 292 |
| Loan loss allowance to noncurrent loans | 94.8772% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.2644% | 928 |
| Noncurrent loans to loans | 3.6883% | 821 |
| Net loans and leases to total assets | 79.0330% | 712 |
| Net loans and leases to deposits | 91.9906% | 1,051 |
| Net loans and leases to core deposits | 97.3694% | 1,357 |
| Total domestic deposits to total assets | 85.9142% | 3,302 |
| Equity capital to assets | 11.3371% | 2,306 |
| Core capital (leverage) ratio | 11.0077% | 2,378 |
| Tier 1 risk-based capital ratio | 12.8331% | 5,094 |
| Total risk-based capital ratio | 14.1130% | 5,020 |
| Memoranda: | ||
| Average total assets | $235,431,400 | 2,664 |
| Average earning assets | $219,670,800 | 2,621 |
| Average equity | $26,507,800 | 2,503 |
| Average total loans | $192,100,400 | 2,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 2,037 |
| Cost of funding earning assets | 0.8224% | 1,201 |
| Net interest margin | 3.7280% | 2,930 |
| Noninterest income to average assets | 2.6343% | 273 |
| Noninterest expense to average assets | 5.0581% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7404% | 3,647 |
| Return on assets (ROA) | 0.7404% | 3,772 |
| Pretax return on assets | 1.0508% | 3,295 |
| Return on Equity (ROE) | 6.5876% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.5876% | 2,085 |
| Net charge-offs to loans | -0.4962% | 6,775 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5485% | 1,753 |
| Assets per employee ($millions) | 2.9545% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0450% | 229 |
| Loan loss allowance to noncurrent loans | 88.1664% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 4.0166% | 773 |
| Noncurrent loans to loans | 4.5879% | 698 |
| Net loans and leases to total assets | 78.8263% | 666 |
| Net loans and leases to deposits | 94.2513% | 812 |
| Net loans and leases to core deposits | 99.7766% | 1,132 |
| Total domestic deposits to total assets | 83.6342% | 4,331 |
| Equity capital to assets | 11.5566% | 2,260 |
| Core capital (leverage) ratio | 11.2042% | 2,299 |
| Tier 1 risk-based capital ratio | 13.2998% | 4,903 |
| Total risk-based capital ratio | 14.5873% | 4,817 |
| Memoranda: | ||
| Average total assets | $234,997,250 | 2,686 |
| Average earning assets | $219,022,250 | 2,640 |
| Average equity | $26,412,750 | 2,541 |
| Average total loans | $191,566,000 | 2,083 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,859 |
| Cost of funding earning assets | 0.8472% | 1,152 |
| Net interest margin | 3.4755% | 3,900 |
| Noninterest income to average assets | 2.9372% | 264 |
| Noninterest expense to average assets | 4.9506% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7685% | 3,477 |
| Return on assets (ROA) | 0.7685% | 3,633 |
| Pretax return on assets | 1.2194% | 2,589 |
| Return on Equity (ROE) | 6.9016% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9016% | 1,929 |
| Net charge-offs to loans | -0.3634% | 6,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9890% | 2,156 |
| Assets per employee ($millions) | 2.5650% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7575% | 303 |
| Loan loss allowance to noncurrent loans | 69.8186% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 4.8394% | 642 |
| Noncurrent loans to loans | 5.3817% | 577 |
| Net loans and leases to total assets | 81.1046% | 428 |
| Net loans and leases to deposits | 99.2649% | 468 |
| Net loans and leases to core deposits | 106.8310% | 699 |
| Total domestic deposits to total assets | 81.7052% | 5,142 |
| Equity capital to assets | 11.3750% | 2,405 |
| Core capital (leverage) ratio | 10.9702% | 2,385 |
| Tier 1 risk-based capital ratio | 12.6780% | 5,371 |
| Total risk-based capital ratio | 13.9612% | 5,287 |
| Memoranda: | ||
| Average total assets | $235,527,000 | 2,690 |
| Average earning assets | $219,078,000 | 2,649 |
| Average equity | $26,225,670 | 2,567 |
| Average total loans | $191,507,000 | 2,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 3,662 |
| Cost of funding earning assets | 0.8772% | 1,099 |
| Net interest margin | 3.2372% | 4,768 |
| Noninterest income to average assets | 3.1972% | 235 |
| Noninterest expense to average assets | 4.8305% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2664% | 1,360 |
| Return on assets (ROA) | 1.2664% | 1,464 |
| Pretax return on assets | 1.3678% | 1,980 |
| Return on Equity (ROE) | 11.4952% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.4952% | 780 |
| Net charge-offs to loans | -0.4383% | 6,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6869% | 2,663 |
| Assets per employee ($millions) | 2.7832% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8213% | 328 |
| Loan loss allowance to noncurrent loans | 56.8861% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 5.7584% | 580 |
| Noncurrent loans to loans | 6.7175% | 460 |
| Net loans and leases to total assets | 77.1207% | 707 |
| Net loans and leases to deposits | 94.9390% | 612 |
| Net loans and leases to core deposits | 102.7072% | 790 |
| Total domestic deposits to total assets | 81.2318% | 5,437 |
| Equity capital to assets | 11.1871% | 2,757 |
| Core capital (leverage) ratio | 10.4974% | 2,777 |
| Tier 1 risk-based capital ratio | 11.1890% | 6,320 |
| Total risk-based capital ratio | 12.4654% | 6,286 |
| Memoranda: | ||
| Average total assets | $236,582,500 | 2,712 |
| Average earning assets | $219,322,000 | 2,670 |
| Average equity | $26,063,000 | 2,613 |
| Average total loans | $188,909,500 | 2,127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 3,228 |
| Cost of funding earning assets | 1.2484% | 465 |
| Net interest margin | 3.2954% | 5,262 |
| Noninterest income to average assets | 1.6854% | 568 |
| Noninterest expense to average assets | 4.3116% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3085% | 5,441 |
| Return on assets (ROA) | 0.3845% | 5,394 |
| Pretax return on assets | 0.4122% | 5,542 |
| Return on Equity (ROE) | 3.8280% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.8280% | 3,506 |
| Net charge-offs to loans | -0.1198% | 6,867 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5641% | 887 |
| Assets per employee ($millions) | 2.6583% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7433% | 343 |
| Loan loss allowance to noncurrent loans | 53.6329% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 7.0003% | 439 |
| Noncurrent loans to loans | 6.9796% | 458 |
| Net loans and leases to total assets | 76.5374% | 848 |
| Net loans and leases to deposits | 93.7407% | 767 |
| Net loans and leases to core deposits | 101.8889% | 894 |
| Total domestic deposits to total assets | 81.6479% | 5,211 |
| Equity capital to assets | 10.8458% | 3,126 |
| Core capital (leverage) ratio | 9.9528% | 3,464 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,569 |
| Total risk-based capital ratio | 11.7295% | 6,534 |
| Memoranda: | ||
| Average total assets | $252,040,400 | 2,510 |
| Average earning assets | $226,135,400 | 2,554 |
| Average equity | $25,313,600 | 2,626 |
| Average total loans | $186,148,800 | 2,132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 3,520 |
| Cost of funding earning assets | 1.3250% | 399 |
| Net interest margin | 3.2040% | 5,689 |
| Noninterest income to average assets | 1.8387% | 475 |
| Noninterest expense to average assets | 4.1739% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4803% | 4,915 |
| Return on assets (ROA) | 0.6184% | 4,559 |
| Pretax return on assets | 0.6695% | 4,958 |
| Return on Equity (ROE) | 6.2736% | 4,189 |
| Retained earnings to average equity (ytd only) | 6.2736% | 2,507 |
| Net charge-offs to loans | -0.0639% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5340% | 1,141 |
| Assets per employee ($millions) | 3.0653% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6675% | 406 |
| Loan loss allowance to noncurrent loans | 44.2707% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 10.7020% | 206 |
| Noncurrent loans to loans | 8.2843% | 363 |
| Net loans and leases to total assets | 73.9926% | 1,247 |
| Net loans and leases to deposits | 90.8053% | 1,069 |
| Net loans and leases to core deposits | 100.0099% | 1,118 |
| Total domestic deposits to total assets | 81.4848% | 5,193 |
| Equity capital to assets | 10.6106% | 3,719 |
| Core capital (leverage) ratio | 9.8911% | 3,697 |
| Tier 1 risk-based capital ratio | 10.3824% | 6,706 |
| Total risk-based capital ratio | 11.6550% | 6,677 |
| Memoranda: | ||
| Average total assets | $255,903,250 | 2,498 |
| Average earning assets | $228,418,750 | 2,543 |
| Average equity | $25,227,000 | 2,659 |
| Average total loans | $185,655,750 | 2,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 3,609 |
| Cost of funding earning assets | 1.3883% | 364 |
| Net interest margin | 3.1514% | 5,863 |
| Noninterest income to average assets | 1.6180% | 566 |
| Noninterest expense to average assets | 4.1362% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2642% | 5,722 |
| Return on assets (ROA) | 0.3669% | 5,578 |
| Pretax return on assets | 0.4008% | 5,709 |
| Return on Equity (ROE) | 3.8137% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.8137% | 4,076 |
| Net charge-offs to loans | 0.0108% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 38.3000% | 907 |
| Efficiency ratio | 93.0249% | 864 |
| Assets per employee ($millions) | 3.1922% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7785% | 398 |
| Loan loss allowance to noncurrent loans | 65.4145% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 8.5973% | 371 |
| Noncurrent loans to loans | 5.7762% | 785 |
| Net loans and leases to total assets | 68.7573% | 2,150 |
| Net loans and leases to deposits | 83.4496% | 1,919 |
| Net loans and leases to core deposits | 93.5955% | 1,647 |
| Total domestic deposits to total assets | 82.3938% | 4,985 |
| Equity capital to assets | 10.0355% | 4,279 |
| Core capital (leverage) ratio | 9.2177% | 4,582 |
| Tier 1 risk-based capital ratio | 10.8154% | 6,572 |
| Total risk-based capital ratio | 12.0902% | 6,544 |
| Memoranda: | ||
| Average total assets | $259,462,330 | 2,467 |
| Average earning assets | $231,645,670 | 2,507 |
| Average equity | $24,962,670 | 2,675 |
| Average total loans | $184,755,330 | 2,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 3,123 |
| Cost of funding earning assets | 1.4548% | 343 |
| Net interest margin | 3.2272% | 5,709 |
| Noninterest income to average assets | 1.2604% | 897 |
| Noninterest expense to average assets | 4.0456% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0654% | 6,306 |
| Return on assets (ROA) | 0.1748% | 6,197 |
| Pretax return on assets | 0.1976% | 6,209 |
| Return on Equity (ROE) | 1.8556% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.8556% | 5,320 |
| Net charge-offs to loans | -0.1818% | 6,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5359% | 654 |
| Assets per employee ($millions) | 3.0926% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7416% | 448 |
| Loan loss allowance to noncurrent loans | 64.0004% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 8.8213% | 407 |
| Noncurrent loans to loans | 5.8462% | 873 |
| Net loans and leases to total assets | 68.3811% | 2,048 |
| Net loans and leases to deposits | 82.6233% | 1,843 |
| Net loans and leases to core deposits | 94.5025% | 1,420 |
| Total domestic deposits to total assets | 82.7624% | 5,022 |
| Equity capital to assets | 9.6019% | 4,652 |
| Core capital (leverage) ratio | 8.7070% | 5,283 |
| Tier 1 risk-based capital ratio | 10.7404% | 6,646 |
| Total risk-based capital ratio | 12.0121% | 6,626 |
| Memoranda: | ||
| Average total assets | $263,101,500 | 2,448 |
| Average earning assets | $234,261,000 | 2,497 |
| Average equity | $24,790,000 | 2,683 |
| Average total loans | $187,031,000 | 2,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 4,104 |
| Cost of funding earning assets | 1.6628% | 373 |
| Net interest margin | 3.0720% | 6,402 |
| Noninterest income to average assets | 0.9069% | 1,652 |
| Noninterest expense to average assets | 3.5641% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0610% | 5,943 |
| Return on assets (ROA) | 0.2104% | 5,696 |
| Pretax return on assets | 0.3204% | 5,509 |
| Return on Equity (ROE) | 2.3800% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.3800% | 4,530 |
| Net charge-offs to loans | 1.1279% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.1546% | 5,721 |
| Efficiency ratio | 95.9529% | 821 |
| Assets per employee ($millions) | 3.1717% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5981% | 505 |
| Loan loss allowance to noncurrent loans | 58.4419% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 9.0394% | 401 |
| Noncurrent loans to loans | 6.1567% | 791 |
| Net loans and leases to total assets | 68.5743% | 2,297 |
| Net loans and leases to deposits | 82.2063% | 2,173 |
| Net loans and leases to core deposits | 96.6973% | 1,437 |
| Total domestic deposits to total assets | 83.4173% | 4,586 |
| Equity capital to assets | 9.2470% | 5,217 |
| Core capital (leverage) ratio | 8.5058% | 5,549 |
| Tier 1 risk-based capital ratio | 10.4573% | 6,704 |
| Total risk-based capital ratio | 11.7288% | 6,673 |
| Memoranda: | ||
| Average total assets | $267,165,400 | 2,358 |
| Average earning assets | $242,058,000 | 2,384 |
| Average equity | $23,613,000 | 2,716 |
| Average total loans | $193,282,000 | 2,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 3,856 |
| Cost of funding earning assets | 1.6802% | 429 |
| Net interest margin | 3.1554% | 6,270 |
| Noninterest income to average assets | 0.6199% | 3,055 |
| Noninterest expense to average assets | 3.4919% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0024% | 6,158 |
| Return on assets (ROA) | 0.1451% | 5,970 |
| Pretax return on assets | 0.1561% | 5,988 |
| Return on Equity (ROE) | 1.6611% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.6611% | 5,305 |
| Net charge-offs to loans | 1.1938% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.0029% | 5,606 |
| Efficiency ratio | 99.4569% | 675 |
| Assets per employee ($millions) | 3.3364% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8330% | 448 |
| Loan loss allowance to noncurrent loans | 58.1019% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 7.4013% | 639 |
| Noncurrent loans to loans | 6.5971% | 794 |
| Net loans and leases to total assets | 67.4087% | 2,592 |
| Net loans and leases to deposits | 81.1688% | 2,504 |
| Net loans and leases to core deposits | 98.8030% | 1,360 |
| Total domestic deposits to total assets | 83.0475% | 4,661 |
| Equity capital to assets | 8.7463% | 6,035 |
| Core capital (leverage) ratio | 8.0441% | 6,353 |
| Tier 1 risk-based capital ratio | 10.3423% | 6,842 |
| Total risk-based capital ratio | 11.6214% | 6,817 |
| Memoranda: | ||
| Average total assets | $267,351,250 | 2,373 |
| Average earning assets | $243,135,500 | 2,373 |
| Average equity | $23,357,250 | 2,744 |
| Average total loans | $194,223,500 | 2,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 3,866 |
| Cost of funding earning assets | 1.7144% | 444 |
| Net interest margin | 3.1356% | 6,317 |
| Noninterest income to average assets | 0.4197% | 4,514 |
| Noninterest expense to average assets | 3.5625% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2921% | 6,550 |
| Return on assets (ROA) | -0.1351% | 6,439 |
| Pretax return on assets | -0.1351% | 6,396 |
| Return on Equity (ROE) | -1.5475% | 6,471 |
| Retained earnings to average equity (ytd only) | -1.5475% | 6,165 |
| Net charge-offs to loans | 2.2521% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1764% | 5,392 |
| Efficiency ratio | 108.5170% | 507 |
| Assets per employee ($millions) | 3.2930% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5888% | 567 |
| Loan loss allowance to noncurrent loans | 48.7062% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 8.0728% | 568 |
| Noncurrent loans to loans | 7.3682% | 667 |
| Net loans and leases to total assets | 68.4371% | 2,527 |
| Net loans and leases to deposits | 82.5085% | 2,372 |
| Net loans and leases to core deposits | 101.4263% | 1,218 |
| Total domestic deposits to total assets | 82.9456% | 4,778 |
| Equity capital to assets | 8.7180% | 5,916 |
| Core capital (leverage) ratio | 7.9585% | 6,348 |
| Tier 1 risk-based capital ratio | 10.1623% | 6,931 |
| Total risk-based capital ratio | 11.4393% | 6,903 |
| Memoranda: | ||
| Average total assets | $266,385,000 | 2,392 |
| Average earning assets | $242,188,330 | 2,404 |
| Average equity | $23,264,000 | 2,735 |
| Average total loans | $195,820,330 | 2,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 3,666 |
| Cost of funding earning assets | 1.7612% | 433 |
| Net interest margin | 3.1233% | 6,282 |
| Noninterest income to average assets | 0.1878% | 6,377 |
| Noninterest expense to average assets | 3.4634% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4297% | 6,759 |
| Return on assets (ROA) | -0.3546% | 6,711 |
| Pretax return on assets | -0.3546% | 6,652 |
| Return on Equity (ROE) | -4.0569% | 6,744 |
| Retained earnings to average equity (ytd only) | -4.0569% | 6,422 |
| Net charge-offs to loans | 3.8280% | 244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1501% | 4,669 |
| Efficiency ratio | 113.7197% | 430 |
| Assets per employee ($millions) | 3.0863% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6440% | 545 |
| Loan loss allowance to noncurrent loans | 51.6376% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 8.8170% | 505 |
| Noncurrent loans to loans | 7.0569% | 776 |
| Net loans and leases to total assets | 70.6841% | 1,982 |
| Net loans and leases to deposits | 85.2071% | 1,850 |
| Net loans and leases to core deposits | 107.4089% | 875 |
| Total domestic deposits to total assets | 82.9556% | 4,952 |
| Equity capital to assets | 8.7175% | 5,633 |
| Core capital (leverage) ratio | 7.8723% | 6,392 |
| Tier 1 risk-based capital ratio | 9.5549% | 7,136 |
| Total risk-based capital ratio | 10.8302% | 7,131 |
| Memoranda: | ||
| Average total assets | $266,210,500 | 2,418 |
| Average earning assets | $242,563,500 | 2,423 |
| Average equity | $23,269,000 | 2,719 |
| Average total loans | $199,060,500 | 2,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 2,329 |
| Cost of funding earning assets | 2.0811% | 454 |
| Net interest margin | 3.4090% | 5,592 |
| Noninterest income to average assets | 0.6780% | 2,975 |
| Noninterest expense to average assets | 3.7394% | 1,606 |
| Loan and lease loss provision to assets | 4.0569% | 155 |
| Net operating income to assets | -3.7340% | 7,409 |
| Return on assets (ROA) | -3.7019% | 7,418 |
| Pretax return on assets | -3.9471% | 7,432 |
| Return on Equity (ROE) | -42.8602% | 7,374 |
| Retained earnings to average equity (ytd only) | -42.8602% | 7,367 |
| Net charge-offs to loans | 3.3738% | 442 |
| Credit loss provision to net charge-offs | 147.3153% | 2,488 |
| Earnings coverage of net charge-offs (x) | 0.0275% | 6,096 |
| Efficiency ratio | 92.5491% | 1,145 |
| Assets per employee ($millions) | 3.0000% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4239% | 285 |
| Loan loss allowance to noncurrent loans | 39.6397% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 9.4482% | 458 |
| Noncurrent loans to loans | 11.1603% | 345 |
| Net loans and leases to total assets | 72.8152% | 1,924 |
| Net loans and leases to deposits | 87.9318% | 1,800 |
| Net loans and leases to core deposits | 111.7595% | 829 |
| Total domestic deposits to total assets | 82.8087% | 4,875 |
| Equity capital to assets | 8.7640% | 5,492 |
| Core capital (leverage) ratio | 6.6995% | 7,141 |
| Tier 1 risk-based capital ratio | 9.6209% | 7,102 |
| Total risk-based capital ratio | 10.9062% | 7,096 |
| Memoranda: | ||
| Average total assets | $330,696,800 | 1,964 |
| Average earning assets | $304,311,800 | 1,954 |
| Average equity | $28,562,600 | 2,273 |
| Average total loans | $269,934,400 | 1,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4842% | 2,494 |
| Cost of funding earning assets | 2.1061% | 527 |
| Net interest margin | 3.3782% | 5,754 |
| Noninterest income to average assets | 0.7724% | 2,374 |
| Noninterest expense to average assets | 3.2169% | 2,867 |
| Loan and lease loss provision to assets | 5.1413% | 81 |
| Net operating income to assets | -4.4805% | 7,610 |
| Return on assets (ROA) | -4.4632% | 7,620 |
| Pretax return on assets | -4.4632% | 7,602 |
| Return on Equity (ROE) | -51.8211% | 7,572 |
| Retained earnings to average equity (ytd only) | -51.8211% | 7,570 |
| Net charge-offs to loans | 3.9334% | 315 |
| Credit loss provision to net charge-offs | 158.1027% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 5,809 |
| Efficiency ratio | 81.9264% | 2,066 |
| Assets per employee ($millions) | 3.7231% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5455% | 522 |
| Loan loss allowance to noncurrent loans | 36.5818% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 8.6879% | 540 |
| Noncurrent loans to loans | 9.6919% | 453 |
| Net loans and leases to total assets | 77.1010% | 1,202 |
| Net loans and leases to deposits | 89.4553% | 1,794 |
| Net loans and leases to core deposits | 108.3086% | 1,141 |
| Total domestic deposits to total assets | 86.1894% | 2,980 |
| Equity capital to assets | 7.1112% | 7,301 |
| Core capital (leverage) ratio | 5.7417% | 7,466 |
| Tier 1 risk-based capital ratio | 6.8095% | 7,563 |
| Total risk-based capital ratio | 8.0859% | 7,567 |
| Memoranda: | ||
| Average total assets | $346,620,500 | 1,911 |
| Average earning assets | $318,627,000 | 1,893 |
| Average equity | $29,853,250 | 2,209 |
| Average total loans | $286,563,750 | 1,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 2,561 |
| Cost of funding earning assets | 2.1753% | 505 |
| Net interest margin | 3.3153% | 5,961 |
| Noninterest income to average assets | 0.7033% | 2,683 |
| Noninterest expense to average assets | 3.0725% | 3,421 |
| Loan and lease loss provision to assets | 6.8815% | 49 |
| Net operating income to assets | -6.1977% | 7,746 |
| Return on assets (ROA) | -6.1885% | 7,748 |
| Pretax return on assets | -6.1885% | 7,738 |
| Return on Equity (ROE) | -68.0193% | 7,677 |
| Retained earnings to average equity (ytd only) | -68.0193% | 7,675 |
| Net charge-offs to loans | 4.3391% | 278 |
| Credit loss provision to net charge-offs | 189.7962% | 2,078 |
| Earnings coverage of net charge-offs (x) | 0.1886% | 5,535 |
| Efficiency ratio | 80.7440% | 2,337 |
| Assets per employee ($millions) | 3.7269% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5929% | 513 |
| Loan loss allowance to noncurrent loans | 61.8052% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 5.6406% | 1,081 |
| Noncurrent loans to loans | 5.8132% | 1,114 |
| Net loans and leases to total assets | 82.0779% | 527 |
| Net loans and leases to deposits | 96.1932% | 1,030 |
| Net loans and leases to core deposits | 112.3491% | 1,012 |
| Total domestic deposits to total assets | 85.3261% | 3,451 |
| Equity capital to assets | 7.3629% | 7,190 |
| Core capital (leverage) ratio | 5.8456% | 7,503 |
| Tier 1 risk-based capital ratio | 6.7535% | 7,623 |
| Total risk-based capital ratio | 8.0264% | 7,626 |
| Memoranda: | ||
| Average total assets | $349,225,670 | 1,915 |
| Average earning assets | $321,604,330 | 1,884 |
| Average equity | $31,773,330 | 2,077 |
| Average total loans | $291,810,330 | 1,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 2,636 |
| Cost of funding earning assets | 2.2440% | 509 |
| Net interest margin | 3.2458% | 6,143 |
| Noninterest income to average assets | 0.6278% | 3,101 |
| Noninterest expense to average assets | 3.0249% | 3,582 |
| Loan and lease loss provision to assets | 1.6259% | 710 |
| Net operating income to assets | -1.0376% | 7,125 |
| Return on assets (ROA) | -1.0376% | 7,149 |
| Pretax return on assets | -1.0376% | 7,064 |
| Return on Equity (ROE) | -10.4508% | 7,155 |
| Retained earnings to average equity (ytd only) | -10.4508% | 6,989 |
| Net charge-offs to loans | 0.3695% | 2,933 |
| Credit loss provision to net charge-offs | 531.3653% | 797 |
| Earnings coverage of net charge-offs (x) | 1.9225% | 3,580 |
| Efficiency ratio | 82.6250% | 2,188 |
| Assets per employee ($millions) | 3.8574% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 2,102 |
| Loan loss allowance to noncurrent loans | 124.9840% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 3,404 |
| Noncurrent loans to loans | 1.6253% | 4,308 |
| Net loans and leases to total assets | 81.3782% | 662 |
| Net loans and leases to deposits | 98.2087% | 891 |
| Net loans and leases to core deposits | 114.3334% | 1,025 |
| Total domestic deposits to total assets | 82.8625% | 4,693 |
| Equity capital to assets | 10.0058% | 3,869 |
| Core capital (leverage) ratio | 8.5300% | 5,323 |
| Tier 1 risk-based capital ratio | 9.9449% | 7,066 |
| Total risk-based capital ratio | 11.2035% | 7,048 |
| Memoranda: | ||
| Average total assets | $354,265,500 | 1,938 |
| Average earning assets | $325,840,000 | 1,918 |
| Average equity | $35,174,500 | 1,916 |
| Average total loans | $293,346,500 | 1,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7547% | 2,843 |
| Cost of funding earning assets | 2.8358% | 399 |
| Net interest margin | 2.9189% | 6,823 |
| Noninterest income to average assets | 0.6994% | 2,986 |
| Noninterest expense to average assets | 2.8945% | 4,550 |
| Loan and lease loss provision to assets | 1.7684% | 1,284 |
| Net operating income to assets | -1.1634% | 6,692 |
| Return on assets (ROA) | -1.0528% | 6,618 |
| Pretax return on assets | -1.1296% | 6,491 |
| Return on Equity (ROE) | -11.2458% | 6,715 |
| Retained earnings to average equity (ytd only) | -13.7449% | 6,796 |
| Net charge-offs to loans | 1.8760% | 1,329 |
| Credit loss provision to net charge-offs | 109.2501% | 5,053 |
| Earnings coverage of net charge-offs (x) | 0.3212% | 5,792 |
| Efficiency ratio | 83.7404% | 2,383 |
| Assets per employee ($millions) | 3.9710% | 3,873 |
| Cash dividends to net income (ytd only)* | -22.2222% | 7,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 3,394 |
| Loan loss allowance to noncurrent loans | 77.8257% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 2.5415% | 2,753 |
| Noncurrent loans to loans | 2.0197% | 3,624 |
| Net loans and leases to total assets | 81.2554% | 800 |
| Net loans and leases to deposits | 99.8979% | 914 |
| Net loans and leases to core deposits | 127.6695% | 1,408 |
| Total domestic deposits to total assets | 81.3384% | 5,218 |
| Equity capital to assets | 9.8549% | 3,938 |
| Core capital (leverage) ratio | 8.5119% | 5,263 |
| Tier 1 risk-based capital ratio | 9.7077% | 7,095 |
| Total risk-based capital ratio | 10.9575% | 7,069 |
| Memoranda: | ||
| Average total assets | $363,314,600 | 1,868 |
| Average earning assets | $337,933,600 | 1,843 |
| Average equity | $34,012,600 | 1,973 |
| Average total loans | $313,494,200 | 1,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 2,891 |
| Cost of funding earning assets | 2.9182% | 428 |
| Net interest margin | 2.8817% | 6,900 |
| Noninterest income to average assets | 0.6765% | 3,179 |
| Noninterest expense to average assets | 2.7861% | 4,946 |
| Loan and lease loss provision to assets | 0.4948% | 3,425 |
| Net operating income to assets | 0.0815% | 5,523 |
| Return on assets (ROA) | 0.1565% | 5,357 |
| Pretax return on assets | 0.1675% | 5,368 |
| Return on Equity (ROE) | 1.6938% | 5,266 |
| Retained earnings to average equity (ytd only) | -1.6779% | 5,654 |
| Net charge-offs to loans | 0.3110% | 4,094 |
| Credit loss provision to net charge-offs | 182.4324% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.1446% | 4,217 |
| Efficiency ratio | 81.6193% | 2,633 |
| Assets per employee ($millions) | 4.0231% | 3,682 |
| Cash dividends to net income (ytd only)* | 199.0638% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,300 |
| Loan loss allowance to noncurrent loans | 75.8252% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 3,272 |
| Noncurrent loans to loans | 2.0128% | 3,622 |
| Net loans and leases to total assets | 85.6848% | 373 |
| Net loans and leases to deposits | 108.6361% | 514 |
| Net loans and leases to core deposits | 143.0587% | 796 |
| Total domestic deposits to total assets | 78.8733% | 5,847 |
| Equity capital to assets | 10.0303% | 4,054 |
| Core capital (leverage) ratio | 8.5713% | 5,346 |
| Tier 1 risk-based capital ratio | 9.3429% | 7,473 |
| Total risk-based capital ratio | 10.5944% | 7,449 |
| Memoranda: | ||
| Average total assets | $363,802,500 | 1,882 |
| Average earning assets | $339,748,250 | 1,853 |
| Average equity | $33,612,750 | 2,018 |
| Average total loans | $317,288,750 | 1,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7485% | 3,302 |
| Cost of funding earning assets | 3.0064% | 468 |
| Net interest margin | 2.7420% | 7,115 |
| Noninterest income to average assets | 0.6726% | 3,178 |
| Noninterest expense to average assets | 2.5583% | 5,910 |
| Loan and lease loss provision to assets | 0.1777% | 5,271 |
| Net operating income to assets | 0.4666% | 4,230 |
| Return on assets (ROA) | 0.4834% | 4,267 |
| Pretax return on assets | 0.5184% | 4,558 |
| Return on Equity (ROE) | 5.3827% | 3,914 |
| Retained earnings to average equity (ytd only) | 0.2070% | 5,134 |
| Net charge-offs to loans | -0.0169% | 7,670 |
| Credit loss provision to net charge-offs | -1,203.7037% | 7,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9148% | 3,361 |
| Assets per employee ($millions) | 4.2411% | 3,215 |
| Cash dividends to net income (ytd only)* | 96.1538% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 3,669 |
| Loan loss allowance to noncurrent loans | 171.2110% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 4,853 |
| Noncurrent loans to loans | 0.8237% | 5,580 |
| Net loans and leases to total assets | 86.1700% | 364 |
| Net loans and leases to deposits | 109.6362% | 570 |
| Net loans and leases to core deposits | 142.6534% | 906 |
| Total domestic deposits to total assets | 78.5964% | 5,926 |
| Equity capital to assets | 9.9672% | 3,988 |
| Core capital (leverage) ratio | 8.7412% | 5,019 |
| Tier 1 risk-based capital ratio | 9.1857% | 7,599 |
| Total risk-based capital ratio | 10.4339% | 7,606 |
| Memoranda: | ||
| Average total assets | $365,718,670 | 1,895 |
| Average earning assets | $341,934,670 | 1,855 |
| Average equity | $32,845,670 | 2,069 |
| Average total loans | $319,200,670 | 1,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5768% | 4,492 |
| Cost of funding earning assets | 3.1288% | 419 |
| Net interest margin | 2.4480% | 7,561 |
| Noninterest income to average assets | 0.5429% | 3,978 |
| Noninterest expense to average assets | 2.3331% | 6,428 |
| Loan and lease loss provision to assets | 0.1365% | 5,214 |
| Net operating income to assets | 0.3594% | 5,023 |
| Return on assets (ROA) | 0.3594% | 5,207 |
| Pretax return on assets | 0.3594% | 5,515 |
| Return on Equity (ROE) | 4.2327% | 4,827 |
| Retained earnings to average equity (ytd only) | -6.7028% | 6,762 |
| Net charge-offs to loans | -0.0376% | 7,621 |
| Credit loss provision to net charge-offs | -416.6667% | 6,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3900% | 2,626 |
| Assets per employee ($millions) | 4.4666% | 2,777 |
| Cash dividends to net income (ytd only)* | 258.3587% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 3,798 |
| Loan loss allowance to noncurrent loans | 156.4205% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 4,471 |
| Noncurrent loans to loans | 0.8632% | 5,290 |
| Net loans and leases to total assets | 85.7784% | 479 |
| Net loans and leases to deposits | 108.0252% | 722 |
| Net loans and leases to core deposits | 140.4891% | 1,079 |
| Total domestic deposits to total assets | 79.4059% | 5,572 |
| Equity capital to assets | 9.7693% | 4,282 |
| Core capital (leverage) ratio | 8.4232% | 5,673 |
| Tier 1 risk-based capital ratio | 8.9854% | 7,797 |
| Total risk-based capital ratio | 10.2305% | 7,834 |
| Memoranda: | ||
| Average total assets | $366,209,500 | 1,903 |
| Average earning assets | $341,988,500 | 1,865 |
| Average equity | $31,091,500 | 2,182 |
| Average total loans | $319,406,000 | 1,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7679% | 1,800 |
| Cost of funding earning assets | 3.7396% | 239 |
| Net interest margin | 3.0283% | 6,840 |
| Noninterest income to average assets | 0.3594% | 5,850 |
| Noninterest expense to average assets | 2.4000% | 6,393 |
| Loan and lease loss provision to assets | 4.0241% | 160 |
| Net operating income to assets | -2.9870% | 7,821 |
| Return on assets (ROA) | -2.9870% | 7,792 |
| Pretax return on assets | -3.2096% | 7,760 |
| Return on Equity (ROE) | -31.4772% | 7,981 |
| Retained earnings to average equity (ytd only) | -31.4772% | 7,937 |
| Net charge-offs to loans | 3.8682% | 179 |
| Credit loss provision to net charge-offs | 114.3543% | 4,723 |
| Earnings coverage of net charge-offs (x) | 0.2314% | 6,094 |
| Efficiency ratio | 73.9484% | 3,584 |
| Assets per employee ($millions) | 4.8821% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 3,825 |
| Loan loss allowance to noncurrent loans | 291.0815% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,749 |
| Noncurrent loans to loans | 0.4445% | 6,025 |
| Net loans and leases to total assets | 86.3545% | 561 |
| Net loans and leases to deposits | 103.5985% | 1,384 |
| Net loans and leases to core deposits | 133.7900% | 1,606 |
| Total domestic deposits to total assets | 83.3550% | 3,633 |
| Equity capital to assets | 7.2105% | 7,619 |
| Core capital (leverage) ratio | 6.1073% | 8,047 |
| Tier 1 risk-based capital ratio | 6.3793% | 8,213 |
| Total risk-based capital ratio | 7.5889% | 8,217 |
| Memoranda: | ||
| Average total assets | $313,587,400 | 2,131 |
| Average earning assets | $295,645,600 | 2,070 |
| Average equity | $29,758,000 | 2,275 |
| Average total loans | $285,274,600 | 1,697 |