Home > Crews Bank & Trust > Performance and Condition Ratios
Crews Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 3,184 |
| Cost of funding earning assets | 0.5788% | 4,102 |
| Net interest margin | 3.8733% | 1,431 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.3981% | 2,603 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.0579% | 430 |
| Return on assets (ROA) | 1.6276% | 797 |
| Pretax return on assets | 1.6276% | 1,184 |
| Return on Equity (ROE) | 17.5900% | 877 |
| Retained earnings to average equity (ytd only) | 3.9952% | 2,963 |
| Net charge-offs to loans | 0.0722% | 1,135 |
| Credit loss provision to net charge-offs | 181.2265% | 1,304 |
| Earnings coverage of net charge-offs (x) | 60.7384% | 1,182 |
| Efficiency ratio | 53.0381% | 3,749 |
| Assets per employee ($millions) | 5.8452% | 2,946 |
| Cash dividends to net income (ytd only)* | 77.2849% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 680 |
| Loan loss allowance to noncurrent loans | 2,021.5544% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,289 |
| Noncurrent loans to loans | 0.0835% | 3,129 |
| Net loans and leases to total assets | 53.4300% | 3,390 |
| Net loans and leases to deposits | 59.8682% | 3,528 |
| Net loans and leases to core deposits | 61.2954% | 3,712 |
| Total domestic deposits to total assets | 89.2400% | 991 |
| Equity capital to assets | 10.1312% | 1,929 |
| Core capital (leverage) ratio | 10.0374% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2549% | 759 |
| Memoranda: | ||
| Average total assets | $2,285,557,000 | 505 |
| Average earning assets | $2,230,621,200 | 475 |
| Average equity | $211,502,000 | 514 |
| Average total loans | $1,107,231,600 | 674 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 3,171 |
| Cost of funding earning assets | 0.4709% | 4,176 |
| Net interest margin | 3.8930% | 1,416 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.3067% | 2,769 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.1560% | 399 |
| Return on assets (ROA) | 2.1560% | 393 |
| Pretax return on assets | 2.1560% | 591 |
| Return on Equity (ROE) | 23.8100% | 447 |
| Retained earnings to average equity (ytd only) | 15.4215% | 514 |
| Net charge-offs to loans | 0.0837% | 888 |
| Credit loss provision to net charge-offs | 121.8341% | 1,475 |
| Earnings coverage of net charge-offs (x) | 56.0291% | 1,245 |
| Efficiency ratio | 51.1008% | 3,828 |
| Assets per employee ($millions) | 5.9080% | 2,828 |
| Cash dividends to net income (ytd only)* | 35.2431% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 609 |
| Loan loss allowance to noncurrent loans | 2,281.1859% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,390 |
| Noncurrent loans to loans | 0.0773% | 3,204 |
| Net loans and leases to total assets | 51.5700% | 3,524 |
| Net loans and leases to deposits | 57.7676% | 3,619 |
| Net loans and leases to core deposits | 58.8397% | 3,748 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 10.1800% | 1,721 |
| Core capital (leverage) ratio | 10.4028% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,325,037,250 | 503 |
| Average earning assets | $2,269,394,250 | 472 |
| Average equity | $210,488,750 | 515 |
| Average total loans | $1,094,983,750 | 679 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 3,039 |
| Cost of funding earning assets | 0.3818% | 4,197 |
| Net interest margin | 3.9481% | 1,331 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.1569% | 3,196 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.0786% | 419 |
| Return on assets (ROA) | 2.0786% | 414 |
| Pretax return on assets | 2.0786% | 651 |
| Return on Equity (ROE) | 20.0200% | 704 |
| Retained earnings to average equity (ytd only) | 20.0211% | 248 |
| Net charge-offs to loans | 0.0060% | 2,027 |
| Credit loss provision to net charge-offs | 3,182.3529% | 170 |
| Earnings coverage of net charge-offs (x) | 598.4118% | 245 |
| Efficiency ratio | 49.4057% | 3,977 |
| Assets per employee ($millions) | 3.8242% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 450 |
| Loan loss allowance to noncurrent loans | 300.3125% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 1,233 |
| Noncurrent loans to loans | 0.6519% | 1,146 |
| Net loans and leases to total assets | 65.0900% | 2,268 |
| Net loans and leases to deposits | 74.1793% | 2,474 |
| Net loans and leases to core deposits | 76.0656% | 2,758 |
| Total domestic deposits to total assets | 87.7500% | 1,694 |
| Equity capital to assets | 11.2686% | 1,286 |
| Core capital (leverage) ratio | 11.6018% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $921,122,333 | 1,057 |
| Average earning assets | $894,810,000 | 1,002 |
| Average equity | $95,629,000 | 972 |
| Average total loans | $564,936,333 | 1,116 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 2,781 |
| Cost of funding earning assets | 0.1561% | 4,447 |
| Net interest margin | 4.1510% | 1,023 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.9772% | 3,674 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 2.4361% | 264 |
| Return on assets (ROA) | 2.4361% | 261 |
| Pretax return on assets | 2.4361% | 390 |
| Return on Equity (ROE) | 24.4500% | 432 |
| Retained earnings to average equity (ytd only) | 24.4525% | 195 |
| Net charge-offs to loans | 0.0065% | 1,709 |
| Credit loss provision to net charge-offs | 2,666.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 668.1111% | 174 |
| Efficiency ratio | 43.5399% | 4,324 |
| Assets per employee ($millions) | 3.7041% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 418 |
| Loan loss allowance to noncurrent loans | 304.3879% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 1,264 |
| Noncurrent loans to loans | 0.6642% | 1,133 |
| Net loans and leases to total assets | 60.2600% | 2,621 |
| Net loans and leases to deposits | 67.9009% | 2,775 |
| Net loans and leases to core deposits | 70.1743% | 2,942 |
| Total domestic deposits to total assets | 88.7400% | 1,641 |
| Equity capital to assets | 10.6748% | 1,469 |
| Core capital (leverage) ratio | 10.3637% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $938,071,000 | 1,051 |
| Average earning assets | $912,074,500 | 998 |
| Average equity | $93,454,500 | 1,003 |
| Average total loans | $552,882,000 | 1,143 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 2,991 |
| Cost of funding earning assets | 0.0825% | 4,468 |
| Net interest margin | 3.4508% | 2,096 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.9729% | 3,658 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.7616% | 478 |
| Return on assets (ROA) | 1.5374% | 774 |
| Pretax return on assets | 1.5374% | 1,334 |
| Return on Equity (ROE) | 15.9900% | 1,058 |
| Retained earnings to average equity (ytd only) | 3.0583% | 3,699 |
| Net charge-offs to loans | -0.0327% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.1263% | 4,056 |
| Assets per employee ($millions) | 4.2093% | 4,197 |
| Cash dividends to net income (ytd only)* | 80.8680% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0018% | 429 |
| Loan loss allowance to noncurrent loans | 251.6690% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 1,133 |
| Noncurrent loans to loans | 0.7954% | 936 |
| Net loans and leases to total assets | 55.4200% | 3,086 |
| Net loans and leases to deposits | 62.6742% | 3,138 |
| Net loans and leases to core deposits | 64.8926% | 3,206 |
| Total domestic deposits to total assets | 88.4300% | 1,926 |
| Equity capital to assets | 9.3002% | 2,155 |
| Core capital (leverage) ratio | 9.6272% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $965,191,800 | 1,013 |
| Average earning assets | $938,894,000 | 959 |
| Average equity | $92,828,600 | 994 |
| Average total loans | $534,656,000 | 1,123 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 2,981 |
| Cost of funding earning assets | 0.0660% | 4,499 |
| Net interest margin | 3.3083% | 2,270 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.9676% | 3,565 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.6127% | 641 |
| Return on assets (ROA) | 1.6135% | 618 |
| Pretax return on assets | 1.6135% | 1,087 |
| Return on Equity (ROE) | 16.6400% | 863 |
| Retained earnings to average equity (ytd only) | 16.6384% | 233 |
| Net charge-offs to loans | -0.0337% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1080% | 3,909 |
| Assets per employee ($millions) | 4.2657% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 505 |
| Loan loss allowance to noncurrent loans | 217.7383% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 1,071 |
| Noncurrent loans to loans | 0.9195% | 850 |
| Net loans and leases to total assets | 54.4000% | 3,060 |
| Net loans and leases to deposits | 60.9862% | 3,110 |
| Net loans and leases to core deposits | 63.1953% | 3,174 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 10.0772% | 1,579 |
| Core capital (leverage) ratio | 10.2896% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $963,403,750 | 1,022 |
| Average earning assets | $937,579,750 | 971 |
| Average equity | $93,428,250 | 1,007 |
| Average total loans | $530,841,250 | 1,126 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 2,918 |
| Cost of funding earning assets | 0.0520% | 4,584 |
| Net interest margin | 3.1897% | 2,223 |
| Noninterest income to average assets | 0.4916% | 2,250 |
| Noninterest expense to average assets | 1.8824% | 3,748 |
| Loan and lease loss provision to assets | 0.1244% | 787 |
| Net operating income to assets | 1.5909% | 558 |
| Return on assets (ROA) | 1.5921% | 546 |
| Pretax return on assets | 1.5921% | 958 |
| Return on Equity (ROE) | 16.6336% | 619 |
| Retained earnings to average equity (ytd only) | 16.6336% | 164 |
| Net charge-offs to loans | -0.0317% | 4,055 |
| Credit loss provision to net charge-offs | -714.2857% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3225% | 4,102 |
| Assets per employee ($millions) | 4.4446% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 624 |
| Loan loss allowance to noncurrent loans | 180.3356% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 964 |
| Noncurrent loans to loans | 1.0717% | 770 |
| Net loans and leases to total assets | 53.2963% | 3,033 |
| Net loans and leases to deposits | 59.4420% | 3,094 |
| Net loans and leases to core deposits | 61.5340% | 3,153 |
| Total domestic deposits to total assets | 89.6611% | 1,862 |
| Equity capital to assets | 9.5918% | 1,947 |
| Core capital (leverage) ratio | 9.9314% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $964,609,667 | 1,014 |
| Average earning assets | $939,350,000 | 969 |
| Average equity | $92,331,000 | 1,026 |
| Average total loans | $530,193,667 | 1,122 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 2,367 |
| Cost of funding earning assets | 0.0541% | 4,567 |
| Net interest margin | 3.2535% | 1,708 |
| Noninterest income to average assets | 0.4838% | 2,215 |
| Noninterest expense to average assets | 1.8104% | 3,916 |
| Loan and lease loss provision to assets | 0.1256% | 662 |
| Net operating income to assets | 1.7179% | 394 |
| Return on assets (ROA) | 1.7209% | 393 |
| Pretax return on assets | 1.7209% | 655 |
| Return on Equity (ROE) | 17.9978% | 342 |
| Retained earnings to average equity (ytd only) | 17.9978% | 143 |
| Net charge-offs to loans | -0.0568% | 4,300 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5476% | 4,336 |
| Assets per employee ($millions) | 6.7153% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 722 |
| Loan loss allowance to noncurrent loans | 471.0118% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 2,280 |
| Noncurrent loans to loans | 0.4062% | 2,040 |
| Net loans and leases to total assets | 53.0602% | 2,870 |
| Net loans and leases to deposits | 59.0933% | 2,979 |
| Net loans and leases to core deposits | 61.1263% | 3,050 |
| Total domestic deposits to total assets | 89.7907% | 1,678 |
| Equity capital to assets | 9.5283% | 2,259 |
| Core capital (leverage) ratio | 10.0326% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $955,790,500 | 1,027 |
| Average earning assets | $931,292,000 | 981 |
| Average equity | $91,389,000 | 1,074 |
| Average total loans | $528,381,000 | 1,120 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 3,062 |
| Cost of funding earning assets | 0.0842% | 4,503 |
| Net interest margin | 3.2623% | 2,430 |
| Noninterest income to average assets | 0.5050% | 2,544 |
| Noninterest expense to average assets | 2.0788% | 3,442 |
| Loan and lease loss provision to assets | 0.0222% | 2,626 |
| Net operating income to assets | 1.5817% | 854 |
| Return on assets (ROA) | 1.5821% | 887 |
| Pretax return on assets | 1.5821% | 1,475 |
| Return on Equity (ROE) | 15.4775% | 842 |
| Retained earnings to average equity (ytd only) | 4.6245% | 2,956 |
| Net charge-offs to loans | -0.0570% | 4,385 |
| Credit loss provision to net charge-offs | -69.2042% | 3,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4483% | 3,650 |
| Assets per employee ($millions) | 6.5596% | 2,284 |
| Cash dividends to net income (ytd only)* | 70.1213% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 854 |
| Loan loss allowance to noncurrent loans | 260.0000% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,630 |
| Noncurrent loans to loans | 0.6943% | 1,450 |
| Net loans and leases to total assets | 55.4772% | 2,684 |
| Net loans and leases to deposits | 61.9637% | 2,886 |
| Net loans and leases to core deposits | 64.3314% | 2,952 |
| Total domestic deposits to total assets | 89.5319% | 1,219 |
| Equity capital to assets | 9.5957% | 3,047 |
| Core capital (leverage) ratio | 9.6220% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $901,375,600 | 1,044 |
| Average earning assets | $878,004,200 | 1,001 |
| Average equity | $92,140,200 | 1,078 |
| Average total loans | $507,220,800 | 1,151 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 3,153 |
| Cost of funding earning assets | 0.0925% | 4,560 |
| Net interest margin | 3.2889% | 2,446 |
| Noninterest income to average assets | 0.4915% | 2,661 |
| Noninterest expense to average assets | 1.9262% | 3,877 |
| Loan and lease loss provision to assets | 0.1347% | 846 |
| Net operating income to assets | 1.6338% | 950 |
| Return on assets (ROA) | 1.6344% | 999 |
| Pretax return on assets | 1.6344% | 1,597 |
| Return on Equity (ROE) | 15.7332% | 1,001 |
| Retained earnings to average equity (ytd only) | 15.7332% | 315 |
| Net charge-offs to loans | -0.0714% | 4,487 |
| Credit loss provision to net charge-offs | -335.8209% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1334% | 4,016 |
| Assets per employee ($millions) | 6.3464% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 655 |
| Loan loss allowance to noncurrent loans | 264.9538% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,758 |
| Noncurrent loans to loans | 0.7488% | 1,501 |
| Net loans and leases to total assets | 55.7438% | 2,755 |
| Net loans and leases to deposits | 62.9008% | 2,965 |
| Net loans and leases to core deposits | 65.4852% | 3,003 |
| Total domestic deposits to total assets | 88.6218% | 1,502 |
| Equity capital to assets | 10.7141% | 2,249 |
| Core capital (leverage) ratio | 10.5937% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $890,574,000 | 1,068 |
| Average earning assets | $867,384,250 | 1,021 |
| Average equity | $92,515,500 | 1,088 |
| Average total loans | $500,610,750 | 1,179 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 3,324 |
| Cost of funding earning assets | 0.1024% | 4,566 |
| Net interest margin | 3.2424% | 2,633 |
| Noninterest income to average assets | 0.4839% | 2,694 |
| Noninterest expense to average assets | 1.9282% | 3,899 |
| Loan and lease loss provision to assets | 0.1359% | 903 |
| Net operating income to assets | 1.5761% | 1,101 |
| Return on assets (ROA) | 1.5770% | 1,158 |
| Pretax return on assets | 1.5770% | 1,806 |
| Return on Equity (ROE) | 15.3468% | 1,080 |
| Retained earnings to average equity (ytd only) | 15.3468% | 390 |
| Net charge-offs to loans | -0.0688% | 4,498 |
| Credit loss provision to net charge-offs | -352.9412% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9686% | 3,934 |
| Assets per employee ($millions) | 6.3476% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 685 |
| Loan loss allowance to noncurrent loans | 258.9864% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,948 |
| Noncurrent loans to loans | 0.7489% | 1,598 |
| Net loans and leases to total assets | 54.4595% | 3,086 |
| Net loans and leases to deposits | 61.3741% | 3,265 |
| Net loans and leases to core deposits | 63.8022% | 3,307 |
| Total domestic deposits to total assets | 88.7337% | 1,426 |
| Equity capital to assets | 10.2343% | 2,634 |
| Core capital (leverage) ratio | 10.3373% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $882,805,000 | 1,069 |
| Average earning assets | $859,363,000 | 1,024 |
| Average equity | $90,716,000 | 1,102 |
| Average total loans | $494,233,000 | 1,197 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3762% | 3,267 |
| Cost of funding earning assets | 0.1172% | 4,539 |
| Net interest margin | 3.2590% | 2,518 |
| Noninterest income to average assets | 0.4292% | 2,936 |
| Noninterest expense to average assets | 1.9593% | 3,834 |
| Loan and lease loss provision to assets | 0.1389% | 971 |
| Net operating income to assets | 1.4986% | 1,335 |
| Return on assets (ROA) | 1.4986% | 1,399 |
| Pretax return on assets | 1.4986% | 1,993 |
| Return on Equity (ROE) | 14.5523% | 1,315 |
| Retained earnings to average equity (ytd only) | 14.5523% | 682 |
| Net charge-offs to loans | -0.0939% | 4,616 |
| Credit loss provision to net charge-offs | -263.1579% | 3,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4729% | 3,735 |
| Assets per employee ($millions) | 6.0589% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 682 |
| Loan loss allowance to noncurrent loans | 195.5801% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 1,704 |
| Noncurrent loans to loans | 0.9925% | 1,354 |
| Net loans and leases to total assets | 54.9613% | 3,147 |
| Net loans and leases to deposits | 61.6550% | 3,356 |
| Net loans and leases to core deposits | 64.7825% | 3,339 |
| Total domestic deposits to total assets | 89.1433% | 1,273 |
| Equity capital to assets | 10.2616% | 2,470 |
| Core capital (leverage) ratio | 10.3709% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $864,004,000 | 1,080 |
| Average earning assets | $839,758,500 | 1,036 |
| Average equity | $88,975,500 | 1,104 |
| Average total loans | $485,768,000 | 1,211 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 3,181 |
| Cost of funding earning assets | 0.2766% | 4,263 |
| Net interest margin | 3.5670% | 2,256 |
| Noninterest income to average assets | 0.5631% | 2,361 |
| Noninterest expense to average assets | 2.1505% | 3,822 |
| Loan and lease loss provision to assets | 0.1526% | 2,462 |
| Net operating income to assets | 1.7212% | 469 |
| Return on assets (ROA) | 1.7350% | 495 |
| Pretax return on assets | 1.7350% | 794 |
| Return on Equity (ROE) | 15.4438% | 572 |
| Retained earnings to average equity (ytd only) | 4.1247% | 2,750 |
| Net charge-offs to loans | 0.1156% | 1,327 |
| Credit loss provision to net charge-offs | 226.8431% | 2,035 |
| Earnings coverage of net charge-offs (x) | 27.8563% | 1,669 |
| Efficiency ratio | 53.4378% | 4,265 |
| Assets per employee ($millions) | 5.3764% | 2,981 |
| Cash dividends to net income (ytd only)* | 73.2923% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 708 |
| Loan loss allowance to noncurrent loans | 156.1742% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 1,512 |
| Noncurrent loans to loans | 1.2220% | 1,141 |
| Net loans and leases to total assets | 55.3260% | 3,361 |
| Net loans and leases to deposits | 62.2615% | 3,588 |
| Net loans and leases to core deposits | 66.5072% | 3,501 |
| Total domestic deposits to total assets | 88.8607% | 1,045 |
| Equity capital to assets | 10.3357% | 2,801 |
| Core capital (leverage) ratio | 10.5956% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $786,413,800 | 1,074 |
| Average earning assets | $763,104,000 | 1,029 |
| Average equity | $88,346,400 | 1,075 |
| Average total loans | $457,420,800 | 1,210 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,152 |
| Cost of funding earning assets | 0.3181% | 4,226 |
| Net interest margin | 3.6183% | 2,210 |
| Noninterest income to average assets | 0.5265% | 2,495 |
| Noninterest expense to average assets | 2.1920% | 3,697 |
| Loan and lease loss provision to assets | 0.1557% | 2,453 |
| Net operating income to assets | 1.6893% | 589 |
| Return on assets (ROA) | 1.7080% | 629 |
| Pretax return on assets | 1.7080% | 959 |
| Return on Equity (ROE) | 14.8755% | 717 |
| Retained earnings to average equity (ytd only) | 14.8755% | 205 |
| Net charge-offs to loans | 0.1546% | 949 |
| Credit loss provision to net charge-offs | 171.7557% | 2,223 |
| Earnings coverage of net charge-offs (x) | 20.3511% | 1,902 |
| Efficiency ratio | 54.2984% | 4,120 |
| Assets per employee ($millions) | 5.2346% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 567 |
| Loan loss allowance to noncurrent loans | 105.1081% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 901 |
| Noncurrent loans to loans | 1.8233% | 722 |
| Net loans and leases to total assets | 56.5416% | 3,574 |
| Net loans and leases to deposits | 64.5358% | 3,754 |
| Net loans and leases to core deposits | 69.2874% | 3,677 |
| Total domestic deposits to total assets | 87.6128% | 1,391 |
| Equity capital to assets | 11.7700% | 1,825 |
| Core capital (leverage) ratio | 11.3650% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,649,750 | 1,075 |
| Average earning assets | $747,706,750 | 1,032 |
| Average equity | $88,483,250 | 1,062 |
| Average total loans | $451,995,500 | 1,214 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,336 |
| Cost of funding earning assets | 0.3721% | 4,164 |
| Net interest margin | 3.6240% | 2,404 |
| Noninterest income to average assets | 0.5409% | 2,391 |
| Noninterest expense to average assets | 2.2762% | 3,589 |
| Loan and lease loss provision to assets | 0.1578% | 2,418 |
| Net operating income to assets | 1.6204% | 728 |
| Return on assets (ROA) | 1.6461% | 741 |
| Pretax return on assets | 1.6461% | 1,113 |
| Return on Equity (ROE) | 14.4646% | 797 |
| Retained earnings to average equity (ytd only) | 14.4646% | 249 |
| Net charge-offs to loans | 0.0134% | 2,488 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 225.4000% | 404 |
| Efficiency ratio | 56.1422% | 3,926 |
| Assets per employee ($millions) | 5.3420% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 459 |
| Loan loss allowance to noncurrent loans | 84.2527% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 682 |
| Noncurrent loans to loans | 2.3419% | 525 |
| Net loans and leases to total assets | 54.9610% | 3,786 |
| Net loans and leases to deposits | 62.2730% | 3,994 |
| Net loans and leases to core deposits | 66.6953% | 3,944 |
| Total domestic deposits to total assets | 88.2581% | 1,057 |
| Equity capital to assets | 11.0546% | 2,294 |
| Core capital (leverage) ratio | 11.0851% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $760,568,667 | 1,072 |
| Average earning assets | $737,353,667 | 1,029 |
| Average equity | $86,556,000 | 1,073 |
| Average total loans | $448,765,333 | 1,210 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 3,059 |
| Cost of funding earning assets | 0.4626% | 4,103 |
| Net interest margin | 3.7904% | 2,020 |
| Noninterest income to average assets | 0.5556% | 2,246 |
| Noninterest expense to average assets | 2.3245% | 3,716 |
| Loan and lease loss provision to assets | 0.1639% | 1,774 |
| Net operating income to assets | 1.7329% | 476 |
| Return on assets (ROA) | 1.7848% | 471 |
| Pretax return on assets | 1.7848% | 724 |
| Return on Equity (ROE) | 15.4362% | 495 |
| Retained earnings to average equity (ytd only) | 15.4362% | 167 |
| Net charge-offs to loans | 0.0288% | 1,802 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 546 |
| Efficiency ratio | 55.0666% | 4,301 |
| Assets per employee ($millions) | 4.8327% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 482 |
| Loan loss allowance to noncurrent loans | 105.4919% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 858 |
| Noncurrent loans to loans | 1.9155% | 764 |
| Net loans and leases to total assets | 57.3126% | 3,725 |
| Net loans and leases to deposits | 65.4334% | 3,898 |
| Net loans and leases to core deposits | 70.6933% | 3,835 |
| Total domestic deposits to total assets | 87.5893% | 1,280 |
| Equity capital to assets | 11.7203% | 2,268 |
| Core capital (leverage) ratio | 11.7179% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $732,191,500 | 1,068 |
| Average earning assets | $708,105,000 | 1,026 |
| Average equity | $84,658,000 | 1,091 |
| Average total loans | $444,022,500 | 1,198 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 2,006 |
| Cost of funding earning assets | 0.4771% | 4,178 |
| Net interest margin | 4.3358% | 1,021 |
| Noninterest income to average assets | 0.6728% | 1,911 |
| Noninterest expense to average assets | 2.4674% | 3,533 |
| Loan and lease loss provision to assets | 0.1760% | 1,184 |
| Net operating income to assets | 2.2367% | 207 |
| Return on assets (ROA) | 2.2260% | 225 |
| Pretax return on assets | 2.2260% | 367 |
| Return on Equity (ROE) | 18.6550% | 294 |
| Retained earnings to average equity (ytd only) | 6.5082% | 1,603 |
| Net charge-offs to loans | 0.0862% | 1,889 |
| Credit loss provision to net charge-offs | 313.6951% | 888 |
| Earnings coverage of net charge-offs (x) | 43.0129% | 1,246 |
| Efficiency ratio | 50.5613% | 4,704 |
| Assets per employee ($millions) | 4.7384% | 2,911 |
| Cash dividends to net income (ytd only)* | 65.1126% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 595 |
| Loan loss allowance to noncurrent loans | 81.9739% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 612 |
| Noncurrent loans to loans | 2.2688% | 529 |
| Net loans and leases to total assets | 61.6654% | 3,433 |
| Net loans and leases to deposits | 70.5655% | 3,621 |
| Net loans and leases to core deposits | 76.4239% | 3,546 |
| Total domestic deposits to total assets | 87.3876% | 1,413 |
| Equity capital to assets | 11.4011% | 2,624 |
| Core capital (leverage) ratio | 11.6894% | 1,967 |
| Tier 1 risk-based capital ratio | 18.1529% | 1,728 |
| Total risk-based capital ratio | 19.4105% | 1,677 |
| Memoranda: | ||
| Average total assets | $689,944,200 | 1,081 |
| Average earning assets | $669,493,600 | 1,034 |
| Average equity | $82,326,600 | 1,063 |
| Average total loans | $449,103,800 | 1,161 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,839 |
| Cost of funding earning assets | 0.4710% | 4,258 |
| Net interest margin | 4.4225% | 901 |
| Noninterest income to average assets | 0.6563% | 1,962 |
| Noninterest expense to average assets | 2.5132% | 3,400 |
| Loan and lease loss provision to assets | 0.1787% | 1,028 |
| Net operating income to assets | 2.2542% | 246 |
| Return on assets (ROA) | 2.2591% | 255 |
| Pretax return on assets | 2.2591% | 404 |
| Return on Equity (ROE) | 18.7112% | 338 |
| Retained earnings to average equity (ytd only) | 18.7112% | 62 |
| Net charge-offs to loans | 0.1052% | 1,417 |
| Credit loss provision to net charge-offs | 258.6402% | 1,059 |
| Earnings coverage of net charge-offs (x) | 35.2128% | 1,475 |
| Efficiency ratio | 50.8112% | 4,691 |
| Assets per employee ($millions) | 4.5225% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 608 |
| Loan loss allowance to noncurrent loans | 82.2574% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 643 |
| Noncurrent loans to loans | 2.2484% | 551 |
| Net loans and leases to total assets | 62.9369% | 3,396 |
| Net loans and leases to deposits | 72.9176% | 3,561 |
| Net loans and leases to core deposits | 79.6323% | 3,418 |
| Total domestic deposits to total assets | 86.3123% | 1,861 |
| Equity capital to assets | 12.8997% | 1,686 |
| Core capital (leverage) ratio | 12.6737% | 1,493 |
| Tier 1 risk-based capital ratio | 19.8413% | 1,390 |
| Total risk-based capital ratio | 21.0988% | 1,355 |
| Memoranda: | ||
| Average total assets | $681,186,500 | 1,099 |
| Average earning assets | $660,753,000 | 1,049 |
| Average equity | $82,244,500 | 1,054 |
| Average total loans | $447,497,000 | 1,170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 1,698 |
| Cost of funding earning assets | 0.4447% | 4,342 |
| Net interest margin | 4.4748% | 814 |
| Noninterest income to average assets | 0.6573% | 1,885 |
| Noninterest expense to average assets | 2.5753% | 3,264 |
| Loan and lease loss provision to assets | 0.1809% | 987 |
| Net operating income to assets | 2.2462% | 236 |
| Return on assets (ROA) | 2.2476% | 246 |
| Pretax return on assets | 2.2476% | 397 |
| Return on Equity (ROE) | 19.0597% | 311 |
| Retained earnings to average equity (ytd only) | 19.0597% | 70 |
| Net charge-offs to loans | 0.0869% | 1,494 |
| Credit loss provision to net charge-offs | 314.3590% | 869 |
| Earnings coverage of net charge-offs (x) | 42.1692% | 1,209 |
| Efficiency ratio | 51.4810% | 4,687 |
| Assets per employee ($millions) | 4.4847% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 664 |
| Loan loss allowance to noncurrent loans | 97.3560% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 908 |
| Noncurrent loans to loans | 1.8611% | 806 |
| Net loans and leases to total assets | 62.4621% | 3,496 |
| Net loans and leases to deposits | 72.0703% | 3,686 |
| Net loans and leases to core deposits | 78.4308% | 3,547 |
| Total domestic deposits to total assets | 86.6682% | 1,737 |
| Equity capital to assets | 12.1480% | 2,078 |
| Core capital (leverage) ratio | 12.2252% | 1,686 |
| Tier 1 risk-based capital ratio | 18.8118% | 1,596 |
| Total risk-based capital ratio | 20.0685% | 1,560 |
| Memoranda: | ||
| Average total assets | $677,603,330 | 1,101 |
| Average earning assets | $657,952,330 | 1,053 |
| Average equity | $79,906,670 | 1,084 |
| Average total loans | $448,766,330 | 1,165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,025 |
| Cost of funding earning assets | 0.3989% | 4,489 |
| Net interest margin | 4.3640% | 981 |
| Noninterest income to average assets | 0.6481% | 1,828 |
| Noninterest expense to average assets | 2.7225% | 2,838 |
| Loan and lease loss provision to assets | 0.1884% | 870 |
| Net operating income to assets | 1.9712% | 411 |
| Return on assets (ROA) | 1.9712% | 426 |
| Pretax return on assets | 1.9712% | 673 |
| Return on Equity (ROE) | 16.9843% | 483 |
| Retained earnings to average equity (ytd only) | 16.9843% | 184 |
| Net charge-offs to loans | 0.0959% | 1,174 |
| Credit loss provision to net charge-offs | 290.7407% | 848 |
| Earnings coverage of net charge-offs (x) | 33.3241% | 1,264 |
| Efficiency ratio | 55.7645% | 4,364 |
| Assets per employee ($millions) | 4.1605% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 753 |
| Loan loss allowance to noncurrent loans | 71.5575% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7469% | 620 |
| Noncurrent loans to loans | 2.4645% | 538 |
| Net loans and leases to total assets | 64.8945% | 3,182 |
| Net loans and leases to deposits | 74.4212% | 3,419 |
| Net loans and leases to core deposits | 80.8076% | 3,293 |
| Total domestic deposits to total assets | 87.1989% | 1,715 |
| Equity capital to assets | 11.7985% | 2,159 |
| Core capital (leverage) ratio | 12.0141% | 1,761 |
| Tier 1 risk-based capital ratio | 18.1699% | 1,750 |
| Total risk-based capital ratio | 19.4263% | 1,699 |
| Memoranda: | ||
| Average total assets | $666,599,000 | 1,116 |
| Average earning assets | $646,751,000 | 1,073 |
| Average equity | $77,365,500 | 1,105 |
| Average total loans | $450,621,500 | 1,171 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 1,649 |
| Cost of funding earning assets | 0.3202% | 4,465 |
| Net interest margin | 4.4385% | 865 |
| Noninterest income to average assets | 0.5322% | 2,646 |
| Noninterest expense to average assets | 2.5039% | 3,599 |
| Loan and lease loss provision to assets | 0.1795% | 1,096 |
| Net operating income to assets | 2.1418% | 278 |
| Return on assets (ROA) | 2.0875% | 301 |
| Pretax return on assets | 2.0875% | 452 |
| Return on Equity (ROE) | 18.2587% | 366 |
| Retained earnings to average equity (ytd only) | 6.3327% | 2,018 |
| Net charge-offs to loans | 0.1060% | 1,695 |
| Credit loss provision to net charge-offs | 247.3904% | 1,204 |
| Earnings coverage of net charge-offs (x) | 31.9875% | 1,527 |
| Efficiency ratio | 51.8917% | 4,808 |
| Assets per employee ($millions) | 4.0691% | 3,791 |
| Cash dividends to net income (ytd only)* | 65.3168% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 870 |
| Loan loss allowance to noncurrent loans | 62.8421% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 486 |
| Noncurrent loans to loans | 2.6682% | 431 |
| Net loans and leases to total assets | 68.0154% | 2,881 |
| Net loans and leases to deposits | 77.2920% | 3,244 |
| Net loans and leases to core deposits | 84.5711% | 3,027 |
| Total domestic deposits to total assets | 87.9980% | 1,297 |
| Equity capital to assets | 11.4091% | 2,321 |
| Core capital (leverage) ratio | 11.8227% | 1,854 |
| Tier 1 risk-based capital ratio | 17.3979% | 1,922 |
| Total risk-based capital ratio | 18.6538% | 1,880 |
| Memoranda: | ||
| Average total assets | $660,061,400 | 1,100 |
| Average earning assets | $638,415,200 | 1,065 |
| Average equity | $75,465,200 | 1,084 |
| Average total loans | $452,010,200 | 1,140 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,587 |
| Cost of funding earning assets | 0.2989% | 4,529 |
| Net interest margin | 4.4358% | 837 |
| Noninterest income to average assets | 0.5355% | 2,643 |
| Noninterest expense to average assets | 2.5041% | 3,584 |
| Loan and lease loss provision to assets | 0.1763% | 1,040 |
| Net operating income to assets | 2.1437% | 285 |
| Return on assets (ROA) | 2.1437% | 282 |
| Pretax return on assets | 2.1437% | 434 |
| Return on Equity (ROE) | 18.7402% | 361 |
| Retained earnings to average equity (ytd only) | 18.7402% | 74 |
| Net charge-offs to loans | -0.0068% | 4,300 |
| Credit loss provision to net charge-offs | -3,795.6522% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9087% | 4,822 |
| Assets per employee ($millions) | 4.0372% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 824 |
| Loan loss allowance to noncurrent loans | 64.1611% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.0568% | 511 |
| Noncurrent loans to loans | 2.6977% | 454 |
| Net loans and leases to total assets | 68.0222% | 2,932 |
| Net loans and leases to deposits | 78.3128% | 3,211 |
| Net loans and leases to core deposits | 86.0332% | 2,988 |
| Total domestic deposits to total assets | 86.8596% | 1,790 |
| Equity capital to assets | 12.2468% | 1,740 |
| Core capital (leverage) ratio | 12.4302% | 1,538 |
| Tier 1 risk-based capital ratio | 18.5484% | 1,648 |
| Total risk-based capital ratio | 19.8039% | 1,608 |
| Memoranda: | ||
| Average total assets | $660,277,000 | 1,106 |
| Average earning assets | $638,371,500 | 1,066 |
| Average equity | $75,529,250 | 1,080 |
| Average total loans | $451,012,000 | 1,147 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,541 |
| Cost of funding earning assets | 0.2796% | 4,563 |
| Net interest margin | 4.4042% | 841 |
| Noninterest income to average assets | 0.5360% | 2,662 |
| Noninterest expense to average assets | 2.4760% | 3,696 |
| Loan and lease loss provision to assets | 0.1694% | 1,086 |
| Net operating income to assets | 2.1469% | 276 |
| Return on assets (ROA) | 2.1469% | 271 |
| Pretax return on assets | 2.1469% | 437 |
| Return on Equity (ROE) | 19.2146% | 317 |
| Retained earnings to average equity (ytd only) | 19.2146% | 78 |
| Net charge-offs to loans | -0.0226% | 4,616 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6666% | 4,924 |
| Assets per employee ($millions) | 4.1702% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 952 |
| Loan loss allowance to noncurrent loans | 64.9132% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.9298% | 571 |
| Noncurrent loans to loans | 2.5758% | 495 |
| Net loans and leases to total assets | 66.5599% | 3,068 |
| Net loans and leases to deposits | 75.9822% | 3,338 |
| Net loans and leases to core deposits | 83.4653% | 3,125 |
| Total domestic deposits to total assets | 87.5993% | 1,590 |
| Equity capital to assets | 11.5557% | 2,161 |
| Core capital (leverage) ratio | 11.8293% | 1,820 |
| Tier 1 risk-based capital ratio | 18.2343% | 1,739 |
| Total risk-based capital ratio | 19.4898% | 1,695 |
| Memoranda: | ||
| Average total assets | $662,358,000 | 1,104 |
| Average earning assets | $640,118,670 | 1,067 |
| Average equity | $74,006,330 | 1,102 |
| Average total loans | $450,441,330 | 1,147 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,497 |
| Cost of funding earning assets | 0.2663% | 4,606 |
| Net interest margin | 4.3587% | 838 |
| Noninterest income to average assets | 0.5498% | 2,523 |
| Noninterest expense to average assets | 2.5185% | 3,587 |
| Loan and lease loss provision to assets | 0.1540% | 1,176 |
| Net operating income to assets | 2.0839% | 306 |
| Return on assets (ROA) | 2.0839% | 308 |
| Pretax return on assets | 2.0839% | 483 |
| Return on Equity (ROE) | 18.9793% | 320 |
| Retained earnings to average equity (ytd only) | 18.9793% | 127 |
| Net charge-offs to loans | 0.0409% | 1,716 |
| Credit loss provision to net charge-offs | 552.1739% | 549 |
| Earnings coverage of net charge-offs (x) | 80.2609% | 701 |
| Efficiency ratio | 52.9502% | 4,888 |
| Assets per employee ($millions) | 4.1487% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,141 |
| Loan loss allowance to noncurrent loans | 54.1310% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 485 |
| Noncurrent loans to loans | 2.9720% | 405 |
| Net loans and leases to total assets | 65.8600% | 3,052 |
| Net loans and leases to deposits | 74.6572% | 3,347 |
| Net loans and leases to core deposits | 81.7797% | 3,160 |
| Total domestic deposits to total assets | 88.2165% | 1,496 |
| Equity capital to assets | 11.1111% | 2,472 |
| Core capital (leverage) ratio | 11.4201% | 2,073 |
| Tier 1 risk-based capital ratio | 17.6917% | 1,922 |
| Total risk-based capital ratio | 18.9469% | 1,871 |
| Memoranda: | ||
| Average total assets | $659,922,500 | 1,119 |
| Average earning assets | $636,884,000 | 1,079 |
| Average equity | $72,458,000 | 1,132 |
| Average total loans | $449,832,500 | 1,153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,029 |
| Cost of funding earning assets | 0.3174% | 3,983 |
| Net interest margin | 4.4544% | 685 |
| Noninterest income to average assets | 0.4397% | 3,376 |
| Noninterest expense to average assets | 2.4415% | 3,962 |
| Loan and lease loss provision to assets | 0.1518% | 1,485 |
| Net operating income to assets | 2.1397% | 217 |
| Return on assets (ROA) | 2.1368% | 221 |
| Pretax return on assets | 2.1368% | 361 |
| Return on Equity (ROE) | 19.0264% | 237 |
| Retained earnings to average equity (ytd only) | 5.3324% | 1,909 |
| Net charge-offs to loans | 0.4474% | 537 |
| Credit loss provision to net charge-offs | 47.7735% | 3,356 |
| Earnings coverage of net charge-offs (x) | 7.2120% | 3,071 |
| Efficiency ratio | 51.5841% | 5,129 |
| Assets per employee ($millions) | 4.0498% | 3,883 |
| Cash dividends to net income (ytd only)* | 71.9735% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,327 |
| Loan loss allowance to noncurrent loans | 52.6715% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2031% | 468 |
| Noncurrent loans to loans | 2.8936% | 394 |
| Net loans and leases to total assets | 68.3487% | 2,773 |
| Net loans and leases to deposits | 77.1994% | 3,204 |
| Net loans and leases to core deposits | 85.5225% | 2,944 |
| Total domestic deposits to total assets | 88.5352% | 1,232 |
| Equity capital to assets | 10.8469% | 2,783 |
| Core capital (leverage) ratio | 11.1550% | 2,191 |
| Tier 1 risk-based capital ratio | 16.7415% | 2,178 |
| Total risk-based capital ratio | 17.9963% | 2,127 |
| Memoranda: | ||
| Average total assets | $650,223,000 | 1,122 |
| Average earning assets | $626,707,000 | 1,077 |
| Average equity | $73,024,800 | 1,088 |
| Average total loans | $461,771,600 | 1,101 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 951 |
| Cost of funding earning assets | 0.3254% | 3,888 |
| Net interest margin | 4.4597% | 653 |
| Noninterest income to average assets | 0.4774% | 3,168 |
| Noninterest expense to average assets | 2.3525% | 4,145 |
| Loan and lease loss provision to assets | 0.1406% | 1,508 |
| Net operating income to assets | 2.2822% | 183 |
| Return on assets (ROA) | 2.2773% | 182 |
| Pretax return on assets | 2.2773% | 304 |
| Return on Equity (ROE) | 20.1037% | 217 |
| Retained earnings to average equity (ytd only) | 20.1037% | 50 |
| Net charge-offs to loans | 0.0293% | 2,839 |
| Credit loss provision to net charge-offs | 670.5882% | 496 |
| Earnings coverage of net charge-offs (x) | 115.5755% | 633 |
| Efficiency ratio | 49.2641% | 5,278 |
| Assets per employee ($millions) | 3.9899% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 735 |
| Loan loss allowance to noncurrent loans | 59.7652% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 2.5034% | 431 |
| Noncurrent loans to loans | 3.1370% | 385 |
| Net loans and leases to total assets | 69.6529% | 2,612 |
| Net loans and leases to deposits | 80.6866% | 2,902 |
| Net loans and leases to core deposits | 90.4082% | 2,570 |
| Total domestic deposits to total assets | 86.3253% | 2,166 |
| Equity capital to assets | 12.2438% | 1,814 |
| Core capital (leverage) ratio | 12.0732% | 1,637 |
| Tier 1 risk-based capital ratio | 17.7198% | 1,940 |
| Total risk-based capital ratio | 18.9730% | 1,878 |
| Memoranda: | ||
| Average total assets | $648,763,500 | 1,128 |
| Average earning assets | $625,225,500 | 1,083 |
| Average equity | $73,490,500 | 1,093 |
| Average total loans | $463,377,250 | 1,104 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 924 |
| Cost of funding earning assets | 0.3187% | 3,888 |
| Net interest margin | 4.4495% | 638 |
| Noninterest income to average assets | 0.5179% | 2,910 |
| Noninterest expense to average assets | 2.3779% | 4,123 |
| Loan and lease loss provision to assets | 0.1167% | 1,760 |
| Net operating income to assets | 2.3086% | 174 |
| Return on assets (ROA) | 2.2975% | 176 |
| Pretax return on assets | 2.2975% | 299 |
| Return on Equity (ROE) | 20.8413% | 185 |
| Retained earnings to average equity (ytd only) | 20.8413% | 55 |
| Net charge-offs to loans | -0.0172% | 4,717 |
| Credit loss provision to net charge-offs | -947.5000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5064% | 5,331 |
| Assets per employee ($millions) | 4.0816% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 846 |
| Loan loss allowance to noncurrent loans | 63.8420% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2849% | 510 |
| Noncurrent loans to loans | 2.8564% | 472 |
| Net loans and leases to total assets | 68.7021% | 2,706 |
| Net loans and leases to deposits | 79.6132% | 2,953 |
| Net loans and leases to core deposits | 89.4724% | 2,576 |
| Total domestic deposits to total assets | 86.2949% | 2,244 |
| Equity capital to assets | 11.4724% | 2,337 |
| Core capital (leverage) ratio | 11.5959% | 1,901 |
| Tier 1 risk-based capital ratio | 16.5076% | 2,321 |
| Total risk-based capital ratio | 17.7648% | 2,265 |
| Memoranda: | ||
| Average total assets | $649,564,000 | 1,127 |
| Average earning assets | $625,604,000 | 1,079 |
| Average equity | $71,607,670 | 1,114 |
| Average total loans | $464,899,000 | 1,103 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 808 |
| Cost of funding earning assets | 0.2978% | 4,066 |
| Net interest margin | 4.4684% | 556 |
| Noninterest income to average assets | 0.4026% | 3,642 |
| Noninterest expense to average assets | 2.2972% | 4,413 |
| Loan and lease loss provision to assets | 0.0472% | 2,868 |
| Net operating income to assets | 2.3556% | 175 |
| Return on assets (ROA) | 2.3295% | 189 |
| Pretax return on assets | 2.3295% | 287 |
| Return on Equity (ROE) | 21.5824% | 162 |
| Retained earnings to average equity (ytd only) | 21.5824% | 83 |
| Net charge-offs to loans | -0.1657% | 5,585 |
| Credit loss provision to net charge-offs | -39.3782% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8763% | 5,425 |
| Assets per employee ($millions) | 4.0561% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 1,001 |
| Loan loss allowance to noncurrent loans | 77.5159% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.9378% | 692 |
| Noncurrent loans to loans | 2.2945% | 722 |
| Net loans and leases to total assets | 70.5271% | 2,288 |
| Net loans and leases to deposits | 81.3110% | 2,588 |
| Net loans and leases to core deposits | 91.1760% | 2,242 |
| Total domestic deposits to total assets | 86.7375% | 2,341 |
| Equity capital to assets | 11.0305% | 2,600 |
| Core capital (leverage) ratio | 11.1813% | 2,207 |
| Tier 1 risk-based capital ratio | 15.4587% | 2,773 |
| Total risk-based capital ratio | 16.7152% | 2,701 |
| Memoranda: | ||
| Average total assets | $643,736,000 | 1,135 |
| Average earning assets | $619,104,000 | 1,092 |
| Average equity | $69,482,500 | 1,143 |
| Average total loans | $465,993,500 | 1,099 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,034 |
| Cost of funding earning assets | 0.3758% | 3,252 |
| Net interest margin | 4.3419% | 865 |
| Noninterest income to average assets | 0.4073% | 3,821 |
| Noninterest expense to average assets | 2.4010% | 4,297 |
| Loan and lease loss provision to assets | 0.1008% | 2,359 |
| Net operating income to assets | 2.0901% | 267 |
| Return on assets (ROA) | 2.0887% | 277 |
| Pretax return on assets | 2.0887% | 412 |
| Return on Equity (ROE) | 18.8108% | 275 |
| Retained earnings to average equity (ytd only) | 4.6418% | 2,596 |
| Net charge-offs to loans | 0.1277% | 1,968 |
| Credit loss provision to net charge-offs | 112.6538% | 2,335 |
| Earnings coverage of net charge-offs (x) | 24.4745% | 1,635 |
| Efficiency ratio | 52.2870% | 5,358 |
| Assets per employee ($millions) | 4.0411% | 3,893 |
| Cash dividends to net income (ytd only)* | 75.3239% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 1,099 |
| Loan loss allowance to noncurrent loans | 70.2189% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2346% | 575 |
| Noncurrent loans to loans | 2.4507% | 647 |
| Net loans and leases to total assets | 71.7273% | 2,201 |
| Net loans and leases to deposits | 82.3064% | 2,632 |
| Net loans and leases to core deposits | 93.1325% | 2,198 |
| Total domestic deposits to total assets | 87.1468% | 2,060 |
| Equity capital to assets | 10.5529% | 3,097 |
| Core capital (leverage) ratio | 10.7087% | 2,645 |
| Tier 1 risk-based capital ratio | 14.9051% | 3,012 |
| Total risk-based capital ratio | 16.1614% | 2,948 |
| Memoranda: | ||
| Average total assets | $635,604,800 | 1,111 |
| Average earning assets | $612,589,600 | 1,067 |
| Average equity | $70,576,600 | 1,120 |
| Average total loans | $445,530,400 | 1,097 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,183 |
| Cost of funding earning assets | 0.3654% | 3,381 |
| Net interest margin | 4.2865% | 953 |
| Noninterest income to average assets | 0.4671% | 3,445 |
| Noninterest expense to average assets | 2.3403% | 4,433 |
| Loan and lease loss provision to assets | 0.1279% | 1,830 |
| Net operating income to assets | 2.1303% | 278 |
| Return on assets (ROA) | 2.1532% | 277 |
| Pretax return on assets | 2.1532% | 421 |
| Return on Equity (ROE) | 19.1526% | 283 |
| Retained earnings to average equity (ytd only) | 19.1526% | 63 |
| Net charge-offs to loans | 0.1262% | 1,699 |
| Credit loss provision to net charge-offs | 146.0432% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.7864% | 1,624 |
| Efficiency ratio | 50.8928% | 5,448 |
| Assets per employee ($millions) | 4.2572% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 1,050 |
| Loan loss allowance to noncurrent loans | 71.0954% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 641 |
| Noncurrent loans to loans | 2.5022% | 701 |
| Net loans and leases to total assets | 69.4463% | 2,577 |
| Net loans and leases to deposits | 80.8457% | 2,872 |
| Net loans and leases to core deposits | 93.6458% | 2,219 |
| Total domestic deposits to total assets | 85.8998% | 2,412 |
| Equity capital to assets | 11.8395% | 2,227 |
| Core capital (leverage) ratio | 11.6938% | 1,895 |
| Tier 1 risk-based capital ratio | 16.4985% | 2,418 |
| Total risk-based capital ratio | 17.7550% | 2,366 |
| Memoranda: | ||
| Average total assets | $634,881,000 | 1,116 |
| Average earning assets | $611,922,000 | 1,068 |
| Average equity | $71,375,750 | 1,107 |
| Average total loans | $440,413,500 | 1,113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,108 |
| Cost of funding earning assets | 0.3609% | 3,441 |
| Net interest margin | 4.3125% | 897 |
| Noninterest income to average assets | 0.4524% | 3,503 |
| Noninterest expense to average assets | 2.3253% | 4,538 |
| Loan and lease loss provision to assets | 0.1601% | 1,419 |
| Net operating income to assets | 2.1230% | 261 |
| Return on assets (ROA) | 2.1518% | 258 |
| Pretax return on assets | 2.1518% | 414 |
| Return on Equity (ROE) | 19.4944% | 263 |
| Retained earnings to average equity (ytd only) | 19.4944% | 65 |
| Net charge-offs to loans | 0.1693% | 1,322 |
| Credit loss provision to net charge-offs | 137.2283% | 1,704 |
| Earnings coverage of net charge-offs (x) | 19.5679% | 1,767 |
| Efficiency ratio | 50.4575% | 5,536 |
| Assets per employee ($millions) | 4.0797% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8314% | 1,026 |
| Loan loss allowance to noncurrent loans | 94.8270% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9022% | 880 |
| Noncurrent loans to loans | 1.9314% | 1,043 |
| Net loans and leases to total assets | 68.0856% | 2,766 |
| Net loans and leases to deposits | 79.0906% | 3,046 |
| Net loans and leases to core deposits | 91.2728% | 2,406 |
| Total domestic deposits to total assets | 86.0856% | 2,378 |
| Equity capital to assets | 11.4979% | 2,555 |
| Core capital (leverage) ratio | 11.2507% | 2,193 |
| Tier 1 risk-based capital ratio | 16.2879% | 2,510 |
| Total risk-based capital ratio | 17.5452% | 2,451 |
| Memoranda: | ||
| Average total assets | $630,811,330 | 1,126 |
| Average earning assets | $607,913,000 | 1,072 |
| Average equity | $69,630,330 | 1,136 |
| Average total loans | $434,711,670 | 1,125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,290 |
| Cost of funding earning assets | 0.3396% | 3,724 |
| Net interest margin | 4.2496% | 1,000 |
| Noninterest income to average assets | 0.5541% | 2,780 |
| Noninterest expense to average assets | 2.3541% | 4,506 |
| Loan and lease loss provision to assets | 0.1287% | 1,652 |
| Net operating income to assets | 2.1681% | 241 |
| Return on assets (ROA) | 2.1923% | 241 |
| Pretax return on assets | 2.1923% | 385 |
| Return on Equity (ROE) | 20.2896% | 225 |
| Retained earnings to average equity (ytd only) | 20.2896% | 87 |
| Net charge-offs to loans | 0.2624% | 794 |
| Credit loss provision to net charge-offs | 71.3781% | 1,896 |
| Earnings coverage of net charge-offs (x) | 12.7420% | 1,773 |
| Efficiency ratio | 50.6163% | 5,587 |
| Assets per employee ($millions) | 4.1676% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 1,118 |
| Loan loss allowance to noncurrent loans | 69.7031% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.4009% | 637 |
| Noncurrent loans to loans | 2.6103% | 697 |
| Net loans and leases to total assets | 67.0062% | 2,807 |
| Net loans and leases to deposits | 77.3667% | 3,069 |
| Net loans and leases to core deposits | 89.4764% | 2,419 |
| Total domestic deposits to total assets | 86.6086% | 2,406 |
| Equity capital to assets | 11.0047% | 2,932 |
| Core capital (leverage) ratio | 10.9661% | 2,435 |
| Tier 1 risk-based capital ratio | 15.8202% | 2,773 |
| Total risk-based capital ratio | 17.0772% | 2,701 |
| Memoranda: | ||
| Average total assets | $628,003,000 | 1,128 |
| Average earning assets | $605,419,000 | 1,072 |
| Average equity | $67,857,500 | 1,155 |
| Average total loans | $431,367,500 | 1,129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 1,041 |
| Cost of funding earning assets | 0.4303% | 2,840 |
| Net interest margin | 4.3042% | 956 |
| Noninterest income to average assets | 0.4443% | 3,713 |
| Noninterest expense to average assets | 2.4884% | 4,261 |
| Loan and lease loss provision to assets | 0.1951% | 1,117 |
| Net operating income to assets | 1.8918% | 412 |
| Return on assets (ROA) | 1.8898% | 422 |
| Pretax return on assets | 1.8898% | 669 |
| Return on Equity (ROE) | 17.4317% | 419 |
| Retained earnings to average equity (ytd only) | 6.7998% | 1,374 |
| Net charge-offs to loans | 0.4430% | 621 |
| Credit loss provision to net charge-offs | 65.0741% | 3,197 |
| Earnings coverage of net charge-offs (x) | 6.9599% | 3,144 |
| Efficiency ratio | 54.3871% | 5,497 |
| Assets per employee ($millions) | 4.0688% | 3,820 |
| Cash dividends to net income (ytd only)* | 60.9915% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 1,055 |
| Loan loss allowance to noncurrent loans | 80.3539% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.3608% | 678 |
| Noncurrent loans to loans | 2.2979% | 834 |
| Net loans and leases to total assets | 67.8608% | 2,720 |
| Net loans and leases to deposits | 77.9971% | 3,056 |
| Net loans and leases to core deposits | 90.8380% | 2,330 |
| Total domestic deposits to total assets | 87.0042% | 2,132 |
| Equity capital to assets | 10.6023% | 3,245 |
| Core capital (leverage) ratio | 10.6216% | 2,808 |
| Tier 1 risk-based capital ratio | 15.0992% | 3,134 |
| Total risk-based capital ratio | 16.3566% | 3,060 |
| Memoranda: | ||
| Average total assets | $607,306,000 | 1,121 |
| Average earning assets | $582,877,600 | 1,073 |
| Average equity | $65,840,000 | 1,150 |
| Average total loans | $411,079,200 | 1,117 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,031 |
| Cost of funding earning assets | 0.4241% | 2,971 |
| Net interest margin | 4.3148% | 935 |
| Noninterest income to average assets | 0.4233% | 3,916 |
| Noninterest expense to average assets | 2.4216% | 4,452 |
| Loan and lease loss provision to assets | 0.2609% | 635 |
| Net operating income to assets | 1.8766% | 443 |
| Return on assets (ROA) | 1.8732% | 466 |
| Pretax return on assets | 1.8732% | 764 |
| Return on Equity (ROE) | 17.1811% | 456 |
| Retained earnings to average equity (ytd only) | 17.1811% | 102 |
| Net charge-offs to loans | 0.5537% | 416 |
| Credit loss provision to net charge-offs | 70.0059% | 2,769 |
| Earnings coverage of net charge-offs (x) | 5.7350% | 3,163 |
| Efficiency ratio | 53.1159% | 5,577 |
| Assets per employee ($millions) | 3.9134% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 1,012 |
| Loan loss allowance to noncurrent loans | 128.9226% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9163% | 1,088 |
| Noncurrent loans to loans | 1.4968% | 1,678 |
| Net loans and leases to total assets | 67.6708% | 2,739 |
| Net loans and leases to deposits | 78.8725% | 3,004 |
| Net loans and leases to core deposits | 91.4785% | 2,318 |
| Total domestic deposits to total assets | 85.7977% | 2,643 |
| Equity capital to assets | 11.5486% | 2,463 |
| Core capital (leverage) ratio | 11.3378% | 2,160 |
| Tier 1 risk-based capital ratio | 16.3088% | 2,670 |
| Total risk-based capital ratio | 17.5668% | 2,613 |
| Memoranda: | ||
| Average total assets | $603,499,500 | 1,138 |
| Average earning assets | $578,454,750 | 1,087 |
| Average equity | $65,799,250 | 1,157 |
| Average total loans | $406,248,500 | 1,132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,068 |
| Cost of funding earning assets | 0.4225% | 3,015 |
| Net interest margin | 4.2755% | 968 |
| Noninterest income to average assets | 0.4243% | 3,894 |
| Noninterest expense to average assets | 2.3669% | 4,670 |
| Loan and lease loss provision to assets | 0.2911% | 542 |
| Net operating income to assets | 1.8580% | 459 |
| Return on assets (ROA) | 1.8610% | 481 |
| Pretax return on assets | 1.8610% | 804 |
| Return on Equity (ROE) | 17.4148% | 455 |
| Retained earnings to average equity (ytd only) | 17.4148% | 116 |
| Net charge-offs to loans | 0.8072% | 267 |
| Credit loss provision to net charge-offs | 54.0357% | 2,659 |
| Earnings coverage of net charge-offs (x) | 3.9889% | 3,107 |
| Efficiency ratio | 52.4111% | 5,679 |
| Assets per employee ($millions) | 3.9402% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 1,143 |
| Loan loss allowance to noncurrent loans | 113.0554% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3013% | 874 |
| Noncurrent loans to loans | 1.6893% | 1,535 |
| Net loans and leases to total assets | 65.9059% | 2,966 |
| Net loans and leases to deposits | 76.1720% | 3,249 |
| Net loans and leases to core deposits | 88.0977% | 2,544 |
| Total domestic deposits to total assets | 86.5225% | 2,420 |
| Equity capital to assets | 10.9454% | 2,940 |
| Core capital (leverage) ratio | 10.8227% | 2,590 |
| Tier 1 risk-based capital ratio | 15.6321% | 3,037 |
| Total risk-based capital ratio | 16.8897% | 2,981 |
| Memoranda: | ||
| Average total assets | $602,473,330 | 1,145 |
| Average earning assets | $576,581,000 | 1,096 |
| Average equity | $64,382,000 | 1,189 |
| Average total loans | $402,147,000 | 1,147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,086 |
| Cost of funding earning assets | 0.4041% | 3,259 |
| Net interest margin | 4.2692% | 942 |
| Noninterest income to average assets | 0.4526% | 3,621 |
| Noninterest expense to average assets | 2.3966% | 4,605 |
| Loan and lease loss provision to assets | 0.2848% | 524 |
| Net operating income to assets | 1.8538% | 439 |
| Return on assets (ROA) | 1.8565% | 468 |
| Pretax return on assets | 1.8565% | 784 |
| Return on Equity (ROE) | 17.5900% | 426 |
| Retained earnings to average equity (ytd only) | 17.5900% | 158 |
| Net charge-offs to loans | 0.2130% | 1,092 |
| Credit loss provision to net charge-offs | 200.9434% | 1,038 |
| Earnings coverage of net charge-offs (x) | 15.0896% | 1,640 |
| Efficiency ratio | 52.8449% | 5,758 |
| Assets per employee ($millions) | 4.0008% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 812 |
| Loan loss allowance to noncurrent loans | 81.7717% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.9406% | 651 |
| Noncurrent loans to loans | 2.6830% | 883 |
| Net loans and leases to total assets | 64.9171% | 2,957 |
| Net loans and leases to deposits | 74.9417% | 3,168 |
| Net loans and leases to core deposits | 86.8948% | 2,445 |
| Total domestic deposits to total assets | 86.6234% | 2,590 |
| Equity capital to assets | 10.7119% | 3,308 |
| Core capital (leverage) ratio | 10.6257% | 2,823 |
| Tier 1 risk-based capital ratio | 15.0970% | 3,382 |
| Total risk-based capital ratio | 16.3574% | 3,294 |
| Memoranda: | ||
| Average total assets | $598,344,500 | 1,160 |
| Average earning assets | $572,187,500 | 1,108 |
| Average equity | $63,149,500 | 1,210 |
| Average total loans | $398,048,000 | 1,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,072 |
| Cost of funding earning assets | 0.4775% | 2,907 |
| Net interest margin | 4.3438% | 976 |
| Noninterest income to average assets | 0.5619% | 3,112 |
| Noninterest expense to average assets | 2.5840% | 4,280 |
| Loan and lease loss provision to assets | 0.4655% | 350 |
| Net operating income to assets | 1.6833% | 594 |
| Return on assets (ROA) | 1.6855% | 615 |
| Pretax return on assets | 1.6855% | 1,013 |
| Return on Equity (ROE) | 16.1795% | 602 |
| Retained earnings to average equity (ytd only) | 5.0412% | 2,574 |
| Net charge-offs to loans | 1.1938% | 226 |
| Credit loss provision to net charge-offs | 57.7028% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.6636% | 4,095 |
| Efficiency ratio | 54.5980% | 5,797 |
| Assets per employee ($millions) | 3.9770% | 4,009 |
| Cash dividends to net income (ytd only)* | 68.8420% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 854 |
| Loan loss allowance to noncurrent loans | 77.8715% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.0442% | 656 |
| Noncurrent loans to loans | 2.7895% | 847 |
| Net loans and leases to total assets | 65.2310% | 3,015 |
| Net loans and leases to deposits | 74.7482% | 3,344 |
| Net loans and leases to core deposits | 86.8283% | 2,620 |
| Total domestic deposits to total assets | 87.2677% | 2,139 |
| Equity capital to assets | 10.3931% | 3,617 |
| Core capital (leverage) ratio | 10.3589% | 3,104 |
| Tier 1 risk-based capital ratio | 15.1171% | 3,429 |
| Total risk-based capital ratio | 16.3779% | 3,373 |
| Memoranda: | ||
| Average total assets | $588,193,000 | 1,129 |
| Average earning assets | $564,783,000 | 1,074 |
| Average equity | $61,275,000 | 1,191 |
| Average total loans | $397,479,600 | 1,108 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 1,138 |
| Cost of funding earning assets | 0.4649% | 3,102 |
| Net interest margin | 4.3177% | 1,013 |
| Noninterest income to average assets | 0.5616% | 3,126 |
| Noninterest expense to average assets | 2.5274% | 4,441 |
| Loan and lease loss provision to assets | 0.4849% | 312 |
| Net operating income to assets | 1.6980% | 616 |
| Return on assets (ROA) | 1.7026% | 635 |
| Pretax return on assets | 1.7026% | 1,060 |
| Return on Equity (ROE) | 16.3337% | 637 |
| Retained earnings to average equity (ytd only) | 16.3337% | 154 |
| Net charge-offs to loans | 1.2272% | 219 |
| Credit loss provision to net charge-offs | 58.2697% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.6234% | 3,868 |
| Efficiency ratio | 53.6570% | 5,858 |
| Assets per employee ($millions) | 3.9878% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 815 |
| Loan loss allowance to noncurrent loans | 60.0066% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.6966% | 560 |
| Noncurrent loans to loans | 3.8504% | 576 |
| Net loans and leases to total assets | 65.3536% | 2,976 |
| Net loans and leases to deposits | 75.6392% | 3,221 |
| Net loans and leases to core deposits | 88.2191% | 2,402 |
| Total domestic deposits to total assets | 86.4018% | 2,639 |
| Equity capital to assets | 11.2076% | 2,750 |
| Core capital (leverage) ratio | 10.8817% | 2,596 |
| Tier 1 risk-based capital ratio | 16.1139% | 3,008 |
| Total risk-based capital ratio | 17.3763% | 2,950 |
| Memoranda: | ||
| Average total assets | $587,099,750 | 1,135 |
| Average earning assets | $564,111,750 | 1,086 |
| Average equity | $61,197,250 | 1,201 |
| Average total loans | $398,069,500 | 1,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 1,122 |
| Cost of funding earning assets | 0.4607% | 3,203 |
| Net interest margin | 4.3140% | 995 |
| Noninterest income to average assets | 0.6078% | 2,779 |
| Noninterest expense to average assets | 2.4518% | 4,732 |
| Loan and lease loss provision to assets | 0.5373% | 271 |
| Net operating income to assets | 1.7702% | 514 |
| Return on assets (ROA) | 1.7719% | 537 |
| Pretax return on assets | 1.7719% | 893 |
| Return on Equity (ROE) | 17.4349% | 510 |
| Retained earnings to average equity (ytd only) | 17.4349% | 134 |
| Net charge-offs to loans | 1.3484% | 219 |
| Credit loss provision to net charge-offs | 58.5095% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.5128% | 3,534 |
| Efficiency ratio | 51.5167% | 6,097 |
| Assets per employee ($millions) | 4.2062% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 777 |
| Loan loss allowance to noncurrent loans | 54.0613% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.8315% | 582 |
| Noncurrent loans to loans | 4.5071% | 488 |
| Net loans and leases to total assets | 63.0483% | 3,232 |
| Net loans and leases to deposits | 72.4601% | 3,512 |
| Net loans and leases to core deposits | 84.7581% | 2,645 |
| Total domestic deposits to total assets | 87.0111% | 2,448 |
| Equity capital to assets | 10.4996% | 3,440 |
| Core capital (leverage) ratio | 10.5260% | 2,913 |
| Tier 1 risk-based capital ratio | 15.7346% | 3,228 |
| Total risk-based capital ratio | 16.9986% | 3,162 |
| Memoranda: | ||
| Average total assets | $587,397,000 | 1,131 |
| Average earning assets | $565,275,000 | 1,083 |
| Average equity | $59,696,330 | 1,223 |
| Average total loans | $400,036,330 | 1,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 1,125 |
| Cost of funding earning assets | 0.4604% | 3,308 |
| Net interest margin | 4.2991% | 997 |
| Noninterest income to average assets | 0.5390% | 3,116 |
| Noninterest expense to average assets | 2.6515% | 4,109 |
| Loan and lease loss provision to assets | 0.6734% | 186 |
| Net operating income to assets | 1.3461% | 1,111 |
| Return on assets (ROA) | 1.3488% | 1,146 |
| Pretax return on assets | 1.3488% | 1,922 |
| Return on Equity (ROE) | 13.5041% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.5041% | 434 |
| Net charge-offs to loans | 0.1508% | 1,814 |
| Credit loss provision to net charge-offs | 638.5621% | 447 |
| Earnings coverage of net charge-offs (x) | 19.1503% | 1,388 |
| Efficiency ratio | 56.7655% | 5,776 |
| Assets per employee ($millions) | 4.0340% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8322% | 519 |
| Loan loss allowance to noncurrent loans | 55.5426% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 4.3787% | 509 |
| Noncurrent loans to loans | 5.0992% | 432 |
| Net loans and leases to total assets | 66.9475% | 2,405 |
| Net loans and leases to deposits | 76.7120% | 2,724 |
| Net loans and leases to core deposits | 87.6720% | 2,134 |
| Total domestic deposits to total assets | 87.2712% | 2,652 |
| Equity capital to assets | 10.1428% | 3,668 |
| Core capital (leverage) ratio | 10.1538% | 3,346 |
| Tier 1 risk-based capital ratio | 14.5027% | 4,008 |
| Total risk-based capital ratio | 15.7719% | 3,948 |
| Memoranda: | ||
| Average total assets | $580,350,000 | 1,148 |
| Average earning assets | $557,792,000 | 1,102 |
| Average equity | $57,967,500 | 1,254 |
| Average total loans | $405,704,000 | 1,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 1,062 |
| Cost of funding earning assets | 0.5057% | 3,551 |
| Net interest margin | 4.4122% | 892 |
| Noninterest income to average assets | 0.5162% | 3,657 |
| Noninterest expense to average assets | 2.3284% | 5,294 |
| Loan and lease loss provision to assets | 1.0750% | 160 |
| Net operating income to assets | 1.3531% | 1,129 |
| Return on assets (ROA) | 1.3089% | 1,266 |
| Pretax return on assets | 1.3089% | 2,112 |
| Return on Equity (ROE) | 13.4288% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.4237% | 1,727 |
| Net charge-offs to loans | 1.6973% | 254 |
| Credit loss provision to net charge-offs | 92.5088% | 2,692 |
| Earnings coverage of net charge-offs (x) | 2.0895% | 4,345 |
| Efficiency ratio | 48.9521% | 6,443 |
| Assets per employee ($millions) | 3.8642% | 4,127 |
| Cash dividends to net income (ytd only)* | 52.1648% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5928% | 730 |
| Loan loss allowance to noncurrent loans | 60.8948% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 4.0587% | 646 |
| Noncurrent loans to loans | 4.2578% | 654 |
| Net loans and leases to total assets | 69.0916% | 2,160 |
| Net loans and leases to deposits | 78.7975% | 2,617 |
| Net loans and leases to core deposits | 90.9099% | 1,915 |
| Total domestic deposits to total assets | 87.6825% | 2,372 |
| Equity capital to assets | 9.8315% | 3,985 |
| Core capital (leverage) ratio | 10.0078% | 3,563 |
| Tier 1 risk-based capital ratio | 13.9492% | 4,327 |
| Total risk-based capital ratio | 15.2156% | 4,256 |
| Memoranda: | ||
| Average total assets | $585,843,200 | 1,135 |
| Average earning assets | $563,034,200 | 1,079 |
| Average equity | $57,101,200 | 1,261 |
| Average total loans | $401,116,800 | 1,067 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 1,118 |
| Cost of funding earning assets | 0.5120% | 3,647 |
| Net interest margin | 4.3910% | 913 |
| Noninterest income to average assets | 0.5085% | 3,746 |
| Noninterest expense to average assets | 2.3343% | 5,232 |
| Loan and lease loss provision to assets | 1.1541% | 124 |
| Net operating income to assets | 1.2434% | 1,499 |
| Return on assets (ROA) | 1.2534% | 1,546 |
| Pretax return on assets | 1.2534% | 2,500 |
| Return on Equity (ROE) | 12.8869% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.8869% | 343 |
| Net charge-offs to loans | 1.8379% | 222 |
| Credit loss provision to net charge-offs | 92.5327% | 2,568 |
| Earnings coverage of net charge-offs (x) | 1.9222% | 4,184 |
| Efficiency ratio | 49.3319% | 6,440 |
| Assets per employee ($millions) | 3.9203% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6779% | 766 |
| Loan loss allowance to noncurrent loans | 45.3058% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 4.4603% | 683 |
| Noncurrent loans to loans | 5.9107% | 439 |
| Net loans and leases to total assets | 67.8711% | 2,312 |
| Net loans and leases to deposits | 77.8553% | 2,692 |
| Net loans and leases to core deposits | 89.9974% | 1,967 |
| Total domestic deposits to total assets | 87.1760% | 2,583 |
| Equity capital to assets | 10.2197% | 3,613 |
| Core capital (leverage) ratio | 10.1442% | 3,470 |
| Tier 1 risk-based capital ratio | 14.7807% | 3,889 |
| Total risk-based capital ratio | 16.0483% | 3,834 |
| Memoranda: | ||
| Average total assets | $588,360,750 | 1,146 |
| Average earning assets | $565,896,000 | 1,083 |
| Average equity | $57,224,750 | 1,263 |
| Average total loans | $399,296,000 | 1,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 1,187 |
| Cost of funding earning assets | 0.5132% | 3,775 |
| Net interest margin | 4.3485% | 940 |
| Noninterest income to average assets | 0.4544% | 4,133 |
| Noninterest expense to average assets | 2.3002% | 5,371 |
| Loan and lease loss provision to assets | 1.0965% | 155 |
| Net operating income to assets | 1.2279% | 1,520 |
| Return on assets (ROA) | 1.2414% | 1,578 |
| Pretax return on assets | 1.2414% | 2,514 |
| Return on Equity (ROE) | 12.9750% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.9750% | 388 |
| Net charge-offs to loans | 2.5201% | 149 |
| Credit loss provision to net charge-offs | 64.6860% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.3712% | 4,084 |
| Efficiency ratio | 49.7378% | 6,451 |
| Assets per employee ($millions) | 4.0510% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 1,186 |
| Loan loss allowance to noncurrent loans | 43.1740% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.8615% | 928 |
| Noncurrent loans to loans | 5.4288% | 567 |
| Net loans and leases to total assets | 65.2301% | 2,726 |
| Net loans and leases to deposits | 74.4033% | 3,087 |
| Net loans and leases to core deposits | 85.5106% | 2,381 |
| Total domestic deposits to total assets | 87.6709% | 2,456 |
| Equity capital to assets | 9.5798% | 4,477 |
| Core capital (leverage) ratio | 9.6609% | 3,997 |
| Tier 1 risk-based capital ratio | 14.1360% | 4,335 |
| Total risk-based capital ratio | 15.3990% | 4,282 |
| Memoranda: | ||
| Average total assets | $593,693,000 | 1,129 |
| Average earning assets | $569,345,670 | 1,072 |
| Average equity | $56,801,670 | 1,271 |
| Average total loans | $399,341,670 | 1,070 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,055 |
| Cost of funding earning assets | 0.5053% | 4,033 |
| Net interest margin | 4.4031% | 801 |
| Noninterest income to average assets | 0.3570% | 4,812 |
| Noninterest expense to average assets | 2.3374% | 5,314 |
| Loan and lease loss provision to assets | 0.8617% | 237 |
| Net operating income to assets | 1.3738% | 1,094 |
| Return on assets (ROA) | 1.3961% | 1,120 |
| Pretax return on assets | 1.3961% | 1,869 |
| Return on Equity (ROE) | 14.6015% | 841 |
| Retained earnings to average equity (ytd only) | 14.6015% | 384 |
| Net charge-offs to loans | 2.0303% | 229 |
| Credit loss provision to net charge-offs | 62.8754% | 2,394 |
| Earnings coverage of net charge-offs (x) | 1.6312% | 3,292 |
| Efficiency ratio | 51.1141% | 6,434 |
| Assets per employee ($millions) | 4.1634% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5791% | 1,032 |
| Loan loss allowance to noncurrent loans | 51.6371% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 3.9865% | 999 |
| Noncurrent loans to loans | 4.9947% | 767 |
| Net loans and leases to total assets | 65.6407% | 2,436 |
| Net loans and leases to deposits | 74.8120% | 2,799 |
| Net loans and leases to core deposits | 85.1464% | 2,197 |
| Total domestic deposits to total assets | 87.7409% | 2,497 |
| Equity capital to assets | 9.6414% | 4,655 |
| Core capital (leverage) ratio | 9.4576% | 4,150 |
| Tier 1 risk-based capital ratio | 13.5993% | 4,800 |
| Total risk-based capital ratio | 14.8644% | 4,750 |
| Memoranda: | ||
| Average total assets | $592,792,000 | 1,142 |
| Average earning assets | $567,594,000 | 1,089 |
| Average equity | $56,679,000 | 1,287 |
| Average total loans | $400,130,000 | 1,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 1,462 |
| Cost of funding earning assets | 0.6586% | 3,847 |
| Net interest margin | 4.3799% | 1,203 |
| Noninterest income to average assets | 0.4966% | 3,928 |
| Noninterest expense to average assets | 2.2861% | 5,728 |
| Loan and lease loss provision to assets | 1.0602% | 365 |
| Net operating income to assets | 1.3487% | 1,199 |
| Return on assets (ROA) | 1.3746% | 1,265 |
| Pretax return on assets | 1.3746% | 2,125 |
| Return on Equity (ROE) | 14.2436% | 951 |
| Retained earnings to average equity (ytd only) | 2.8837% | 4,209 |
| Net charge-offs to loans | 1.0982% | 960 |
| Credit loss provision to net charge-offs | 145.9146% | 1,869 |
| Earnings coverage of net charge-offs (x) | 3.3152% | 3,777 |
| Efficiency ratio | 48.6923% | 6,673 |
| Assets per employee ($millions) | 4.1565% | 3,641 |
| Cash dividends to net income (ytd only)* | 79.7546% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7812% | 837 |
| Loan loss allowance to noncurrent loans | 84.8559% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 3.1485% | 1,483 |
| Noncurrent loans to loans | 3.2775% | 1,566 |
| Net loans and leases to total assets | 65.7404% | 2,569 |
| Net loans and leases to deposits | 75.2669% | 2,910 |
| Net loans and leases to core deposits | 86.4222% | 2,254 |
| Total domestic deposits to total assets | 87.3431% | 2,620 |
| Equity capital to assets | 9.4807% | 4,899 |
| Core capital (leverage) ratio | 9.1788% | 4,615 |
| Tier 1 risk-based capital ratio | 13.4815% | 4,762 |
| Total risk-based capital ratio | 14.7505% | 4,704 |
| Memoranda: | ||
| Average total assets | $592,881,800 | 1,118 |
| Average earning assets | $568,317,200 | 1,063 |
| Average equity | $57,218,800 | 1,244 |
| Average total loans | $392,271,600 | 1,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 1,624 |
| Cost of funding earning assets | 0.6612% | 4,091 |
| Net interest margin | 4.3647% | 1,311 |
| Noninterest income to average assets | 0.4764% | 4,091 |
| Noninterest expense to average assets | 2.2805% | 5,740 |
| Loan and lease loss provision to assets | 0.8386% | 552 |
| Net operating income to assets | 1.5432% | 954 |
| Return on assets (ROA) | 1.5760% | 1,000 |
| Pretax return on assets | 1.5760% | 1,656 |
| Return on Equity (ROE) | 16.2589% | 702 |
| Retained earnings to average equity (ytd only) | 16.2589% | 184 |
| Net charge-offs to loans | 1.4338% | 620 |
| Credit loss provision to net charge-offs | 88.8810% | 3,331 |
| Earnings coverage of net charge-offs (x) | 2.5245% | 4,033 |
| Efficiency ratio | 48.9135% | 6,669 |
| Assets per employee ($millions) | 4.2415% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1941% | 1,717 |
| Loan loss allowance to noncurrent loans | 68.4839% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.2258% | 1,596 |
| Noncurrent loans to loans | 3.2038% | 1,723 |
| Net loans and leases to total assets | 65.4406% | 2,746 |
| Net loans and leases to deposits | 75.1728% | 3,117 |
| Net loans and leases to core deposits | 87.9862% | 2,217 |
| Total domestic deposits to total assets | 87.0535% | 2,633 |
| Equity capital to assets | 10.4036% | 3,956 |
| Core capital (leverage) ratio | 9.7574% | 3,863 |
| Tier 1 risk-based capital ratio | 14.7631% | 4,006 |
| Total risk-based capital ratio | 16.0244% | 3,953 |
| Memoranda: | ||
| Average total assets | $593,546,500 | 1,131 |
| Average earning assets | $569,225,000 | 1,068 |
| Average equity | $57,534,250 | 1,241 |
| Average total loans | $390,560,750 | 1,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 1,840 |
| Cost of funding earning assets | 0.6632% | 4,341 |
| Net interest margin | 4.3183% | 1,433 |
| Noninterest income to average assets | 0.4428% | 4,346 |
| Noninterest expense to average assets | 2.2247% | 5,939 |
| Loan and lease loss provision to assets | 0.6311% | 926 |
| Net operating income to assets | 1.7311% | 633 |
| Return on assets (ROA) | 1.7876% | 650 |
| Pretax return on assets | 1.7876% | 1,073 |
| Return on Equity (ROE) | 18.8992% | 422 |
| Retained earnings to average equity (ytd only) | 18.8992% | 124 |
| Net charge-offs to loans | 0.7481% | 1,476 |
| Credit loss provision to net charge-offs | 128.9148% | 2,130 |
| Earnings coverage of net charge-offs (x) | 4.8255% | 2,979 |
| Efficiency ratio | 48.5011% | 6,744 |
| Assets per employee ($millions) | 4.3809% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4927% | 1,297 |
| Loan loss allowance to noncurrent loans | 63.7220% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.2870% | 1,650 |
| Noncurrent loans to loans | 3.9118% | 1,422 |
| Net loans and leases to total assets | 60.8647% | 3,650 |
| Net loans and leases to deposits | 69.1152% | 4,025 |
| Net loans and leases to core deposits | 80.4239% | 3,156 |
| Total domestic deposits to total assets | 88.0628% | 2,102 |
| Equity capital to assets | 9.6523% | 4,829 |
| Core capital (leverage) ratio | 9.3392% | 4,393 |
| Tier 1 risk-based capital ratio | 14.6919% | 3,971 |
| Total risk-based capital ratio | 15.9567% | 3,919 |
| Memoranda: | ||
| Average total assets | $594,873,000 | 1,124 |
| Average earning assets | $570,873,330 | 1,060 |
| Average equity | $56,267,000 | 1,263 |
| Average total loans | $389,257,330 | 1,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 1,692 |
| Cost of funding earning assets | 0.6636% | 4,600 |
| Net interest margin | 4.3953% | 1,234 |
| Noninterest income to average assets | 0.4528% | 4,274 |
| Noninterest expense to average assets | 2.2853% | 5,804 |
| Loan and lease loss provision to assets | 0.6147% | 921 |
| Net operating income to assets | 1.7779% | 625 |
| Return on assets (ROA) | 1.7949% | 675 |
| Pretax return on assets | 1.7949% | 1,078 |
| Return on Equity (ROE) | 19.1823% | 438 |
| Retained earnings to average equity (ytd only) | 19.1823% | 212 |
| Net charge-offs to loans | 0.5697% | 1,662 |
| Credit loss provision to net charge-offs | 161.0018% | 1,576 |
| Earnings coverage of net charge-offs (x) | 6.2665% | 2,238 |
| Efficiency ratio | 48.8538% | 6,746 |
| Assets per employee ($millions) | 4.3085% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4295% | 1,462 |
| Loan loss allowance to noncurrent loans | 60.8045% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.2810% | 1,758 |
| Noncurrent loans to loans | 3.9956% | 1,535 |
| Net loans and leases to total assets | 63.9191% | 2,863 |
| Net loans and leases to deposits | 72.5126% | 3,352 |
| Net loans and leases to core deposits | 84.6143% | 2,462 |
| Total domestic deposits to total assets | 88.1490% | 2,217 |
| Equity capital to assets | 9.4633% | 4,863 |
| Core capital (leverage) ratio | 9.2609% | 4,423 |
| Tier 1 risk-based capital ratio | 13.7923% | 4,621 |
| Total risk-based capital ratio | 15.0564% | 4,586 |
| Memoranda: | ||
| Average total assets | $585,647,500 | 1,147 |
| Average earning assets | $562,970,000 | 1,086 |
| Average equity | $54,800,500 | 1,294 |
| Average total loans | $392,465,500 | 1,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 1,452 |
| Cost of funding earning assets | 0.7904% | 4,935 |
| Net interest margin | 4.5942% | 935 |
| Noninterest income to average assets | 0.3952% | 4,653 |
| Noninterest expense to average assets | 2.2646% | 6,139 |
| Loan and lease loss provision to assets | 1.1778% | 752 |
| Net operating income to assets | 1.3510% | 1,141 |
| Return on assets (ROA) | 1.3721% | 1,165 |
| Pretax return on assets | 1.3721% | 1,870 |
| Return on Equity (ROE) | 15.1353% | 726 |
| Retained earnings to average equity (ytd only) | 7.8764% | 1,123 |
| Net charge-offs to loans | 1.1708% | 1,445 |
| Credit loss provision to net charge-offs | 144.5306% | 1,995 |
| Earnings coverage of net charge-offs (x) | 3.1031% | 3,651 |
| Efficiency ratio | 47.2434% | 6,983 |
| Assets per employee ($millions) | 4.3039% | 3,241 |
| Cash dividends to net income (ytd only)* | 47.9601% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3069% | 1,610 |
| Loan loss allowance to noncurrent loans | 62.2237% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 3.2099% | 1,862 |
| Noncurrent loans to loans | 3.7074% | 1,700 |
| Net loans and leases to total assets | 66.9821% | 2,590 |
| Net loans and leases to deposits | 76.1345% | 3,159 |
| Net loans and leases to core deposits | 89.4070% | 2,210 |
| Total domestic deposits to total assets | 87.9786% | 2,176 |
| Equity capital to assets | 9.2479% | 5,215 |
| Core capital (leverage) ratio | 9.0664% | 4,672 |
| Tier 1 risk-based capital ratio | 13.0926% | 4,997 |
| Total risk-based capital ratio | 14.3555% | 4,961 |
| Memoranda: | ||
| Average total assets | $569,870,000 | 1,158 |
| Average earning assets | $545,554,600 | 1,094 |
| Average equity | $51,660,800 | 1,324 |
| Average total loans | $396,635,400 | 1,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4200% | 1,458 |
| Cost of funding earning assets | 0.7864% | 5,242 |
| Net interest margin | 4.6336% | 886 |
| Noninterest income to average assets | 0.3757% | 4,862 |
| Noninterest expense to average assets | 2.2723% | 6,112 |
| Loan and lease loss provision to assets | 1.0818% | 766 |
| Net operating income to assets | 1.4545% | 1,039 |
| Return on assets (ROA) | 1.4805% | 1,062 |
| Pretax return on assets | 1.4805% | 1,702 |
| Return on Equity (ROE) | 16.4157% | 621 |
| Retained earnings to average equity (ytd only) | 16.4157% | 162 |
| Net charge-offs to loans | 0.9560% | 1,683 |
| Credit loss provision to net charge-offs | 161.9817% | 1,896 |
| Earnings coverage of net charge-offs (x) | 3.7976% | 3,292 |
| Efficiency ratio | 47.2549% | 7,000 |
| Assets per employee ($millions) | 4.3052% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2446% | 1,792 |
| Loan loss allowance to noncurrent loans | 68.0716% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 3.0522% | 2,101 |
| Noncurrent loans to loans | 3.2974% | 2,096 |
| Net loans and leases to total assets | 68.0936% | 2,474 |
| Net loans and leases to deposits | 77.6990% | 3,047 |
| Net loans and leases to core deposits | 90.4996% | 2,190 |
| Total domestic deposits to total assets | 87.6377% | 2,269 |
| Equity capital to assets | 9.8730% | 4,518 |
| Core capital (leverage) ratio | 9.4156% | 4,283 |
| Tier 1 risk-based capital ratio | 13.7692% | 4,526 |
| Total risk-based capital ratio | 15.0314% | 4,475 |
| Memoranda: | ||
| Average total assets | $568,156,750 | 1,172 |
| Average earning assets | $543,556,500 | 1,106 |
| Average equity | $51,242,250 | 1,335 |
| Average total loans | $396,938,500 | 1,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 1,539 |
| Cost of funding earning assets | 0.8010% | 5,360 |
| Net interest margin | 4.6068% | 897 |
| Noninterest income to average assets | 0.3231% | 5,310 |
| Noninterest expense to average assets | 2.2333% | 6,295 |
| Loan and lease loss provision to assets | 1.1602% | 687 |
| Net operating income to assets | 1.3361% | 1,224 |
| Return on assets (ROA) | 1.3519% | 1,260 |
| Pretax return on assets | 1.3519% | 1,950 |
| Return on Equity (ROE) | 15.4736% | 726 |
| Retained earnings to average equity (ytd only) | 15.4736% | 224 |
| Net charge-offs to loans | 1.1680% | 1,339 |
| Credit loss provision to net charge-offs | 142.0464% | 2,148 |
| Earnings coverage of net charge-offs (x) | 3.0563% | 3,324 |
| Efficiency ratio | 47.2195% | 7,102 |
| Assets per employee ($millions) | 4.3661% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 2,212 |
| Loan loss allowance to noncurrent loans | 66.7331% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.8145% | 2,384 |
| Noncurrent loans to loans | 3.0869% | 2,336 |
| Net loans and leases to total assets | 66.2599% | 2,977 |
| Net loans and leases to deposits | 74.9289% | 3,655 |
| Net loans and leases to core deposits | 86.3562% | 2,855 |
| Total domestic deposits to total assets | 88.4304% | 1,903 |
| Equity capital to assets | 9.0185% | 5,555 |
| Core capital (leverage) ratio | 8.9708% | 4,772 |
| Tier 1 risk-based capital ratio | 13.3081% | 4,684 |
| Total risk-based capital ratio | 14.5682% | 4,655 |
| Memoranda: | ||
| Average total assets | $569,548,670 | 1,177 |
| Average earning assets | $544,799,330 | 1,110 |
| Average equity | $49,762,330 | 1,357 |
| Average total loans | $398,300,330 | 1,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 1,662 |
| Cost of funding earning assets | 0.8398% | 5,333 |
| Net interest margin | 4.5354% | 992 |
| Noninterest income to average assets | 0.5094% | 3,806 |
| Noninterest expense to average assets | 2.3937% | 5,899 |
| Loan and lease loss provision to assets | 1.0259% | 735 |
| Net operating income to assets | 1.4243% | 1,024 |
| Return on assets (ROA) | 1.4406% | 1,040 |
| Pretax return on assets | 1.4406% | 1,624 |
| Return on Equity (ROE) | 16.7628% | 601 |
| Retained earnings to average equity (ytd only) | 16.7628% | 297 |
| Net charge-offs to loans | 1.1677% | 1,190 |
| Credit loss provision to net charge-offs | 123.5745% | 2,225 |
| Earnings coverage of net charge-offs (x) | 2.9515% | 2,903 |
| Efficiency ratio | 49.4166% | 7,031 |
| Assets per employee ($millions) | 4.1035% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 2,882 |
| Loan loss allowance to noncurrent loans | 53.6009% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.4699% | 1,966 |
| Noncurrent loans to loans | 3.4357% | 2,190 |
| Net loans and leases to total assets | 68.5077% | 2,450 |
| Net loans and leases to deposits | 77.1649% | 3,223 |
| Net loans and leases to core deposits | 89.0927% | 2,473 |
| Total domestic deposits to total assets | 88.7809% | 1,911 |
| Equity capital to assets | 8.7762% | 5,535 |
| Core capital (leverage) ratio | 8.7491% | 4,998 |
| Tier 1 risk-based capital ratio | 12.4897% | 5,280 |
| Total risk-based capital ratio | 13.7468% | 5,246 |
| Memoranda: | ||
| Average total assets | $566,158,500 | 1,191 |
| Average earning assets | $541,081,500 | 1,130 |
| Average equity | $48,655,500 | 1,370 |
| Average total loans | $402,497,000 | 1,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 1,987 |
| Cost of funding earning assets | 1.1004% | 5,132 |
| Net interest margin | 4.4754% | 1,283 |
| Noninterest income to average assets | 0.5751% | 3,628 |
| Noninterest expense to average assets | 2.4955% | 5,818 |
| Loan and lease loss provision to assets | 0.8588% | 1,898 |
| Net operating income to assets | 1.4828% | 796 |
| Return on assets (ROA) | 1.4946% | 832 |
| Pretax return on assets | 1.4946% | 1,388 |
| Return on Equity (ROE) | 17.6909% | 404 |
| Retained earnings to average equity (ytd only) | 7.2698% | 1,217 |
| Net charge-offs to loans | 1.4854% | 1,479 |
| Credit loss provision to net charge-offs | 80.5051% | 5,550 |
| Earnings coverage of net charge-offs (x) | 2.1951% | 4,079 |
| Efficiency ratio | 51.5471% | 7,021 |
| Assets per employee ($millions) | 4.2251% | 3,336 |
| Cash dividends to net income (ytd only)* | 58.9067% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 3,091 |
| Loan loss allowance to noncurrent loans | 59.2972% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 3.2438% | 2,176 |
| Noncurrent loans to loans | 2.9235% | 2,610 |
| Net loans and leases to total assets | 71.1566% | 2,269 |
| Net loans and leases to deposits | 80.1302% | 3,150 |
| Net loans and leases to core deposits | 93.9257% | 2,265 |
| Total domestic deposits to total assets | 88.8012% | 1,769 |
| Equity capital to assets | 8.4090% | 5,984 |
| Core capital (leverage) ratio | 8.4967% | 5,372 |
| Tier 1 risk-based capital ratio | 11.7807% | 5,667 |
| Total risk-based capital ratio | 13.0367% | 5,661 |
| Memoranda: | ||
| Average total assets | $567,907,000 | 1,183 |
| Average earning assets | $540,818,600 | 1,121 |
| Average equity | $47,979,400 | 1,396 |
| Average total loans | $407,825,400 | 1,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 2,059 |
| Cost of funding earning assets | 1.1455% | 5,175 |
| Net interest margin | 4.4546% | 1,360 |
| Noninterest income to average assets | 0.5386% | 3,876 |
| Noninterest expense to average assets | 2.5348% | 5,585 |
| Loan and lease loss provision to assets | 0.6938% | 2,209 |
| Net operating income to assets | 1.5480% | 832 |
| Return on assets (ROA) | 1.5590% | 886 |
| Pretax return on assets | 1.5590% | 1,450 |
| Return on Equity (ROE) | 18.4322% | 442 |
| Retained earnings to average equity (ytd only) | 18.4322% | 105 |
| Net charge-offs to loans | 1.3776% | 1,476 |
| Credit loss provision to net charge-offs | 70.2799% | 5,411 |
| Earnings coverage of net charge-offs (x) | 2.2709% | 4,031 |
| Efficiency ratio | 53.0075% | 6,887 |
| Assets per employee ($millions) | 3.7170% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 2,900 |
| Loan loss allowance to noncurrent loans | 48.1086% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.5215% | 2,020 |
| Noncurrent loans to loans | 3.6771% | 2,125 |
| Net loans and leases to total assets | 69.5382% | 2,842 |
| Net loans and leases to deposits | 79.1411% | 3,610 |
| Net loans and leases to core deposits | 92.9535% | 2,667 |
| Total domestic deposits to total assets | 87.8662% | 2,039 |
| Equity capital to assets | 9.3891% | 5,003 |
| Core capital (leverage) ratio | 8.9309% | 4,797 |
| Tier 1 risk-based capital ratio | 12.8730% | 4,669 |
| Total risk-based capital ratio | 14.1294% | 4,657 |
| Memoranda: | ||
| Average total assets | $569,400,250 | 1,191 |
| Average earning assets | $541,720,250 | 1,135 |
| Average equity | $48,161,000 | 1,401 |
| Average total loans | $408,055,000 | 1,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 2,180 |
| Cost of funding earning assets | 1.1946% | 5,159 |
| Net interest margin | 4.3941% | 1,463 |
| Noninterest income to average assets | 0.4925% | 4,179 |
| Noninterest expense to average assets | 2.4390% | 5,950 |
| Loan and lease loss provision to assets | 0.7001% | 2,077 |
| Net operating income to assets | 1.5247% | 865 |
| Return on assets (ROA) | 1.5348% | 899 |
| Pretax return on assets | 1.5348% | 1,463 |
| Return on Equity (ROE) | 18.8175% | 404 |
| Retained earnings to average equity (ytd only) | 18.8175% | 110 |
| Net charge-offs to loans | 1.3352% | 1,420 |
| Credit loss provision to net charge-offs | 72.8758% | 4,896 |
| Earnings coverage of net charge-offs (x) | 2.3159% | 3,839 |
| Efficiency ratio | 52.2364% | 7,042 |
| Assets per employee ($millions) | 3.6742% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,514 |
| Loan loss allowance to noncurrent loans | 46.9791% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 3.5687% | 1,968 |
| Noncurrent loans to loans | 3.9754% | 1,914 |
| Net loans and leases to total assets | 69.0878% | 3,108 |
| Net loans and leases to deposits | 77.8972% | 3,985 |
| Net loans and leases to core deposits | 90.0847% | 3,243 |
| Total domestic deposits to total assets | 88.6910% | 1,610 |
| Equity capital to assets | 8.6040% | 6,005 |
| Core capital (leverage) ratio | 8.4771% | 5,452 |
| Tier 1 risk-based capital ratio | 12.2584% | 5,073 |
| Total risk-based capital ratio | 13.5161% | 5,039 |
| Memoranda: | ||
| Average total assets | $573,351,000 | 1,187 |
| Average earning assets | $544,277,000 | 1,130 |
| Average equity | $46,765,000 | 1,435 |
| Average total loans | $412,509,670 | 1,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 2,211 |
| Cost of funding earning assets | 1.2664% | 5,031 |
| Net interest margin | 4.3198% | 1,631 |
| Noninterest income to average assets | 0.4540% | 4,430 |
| Noninterest expense to average assets | 2.3933% | 6,113 |
| Loan and lease loss provision to assets | 0.6626% | 1,915 |
| Net operating income to assets | 1.5012% | 892 |
| Return on assets (ROA) | 1.5186% | 932 |
| Pretax return on assets | 1.5186% | 1,473 |
| Return on Equity (ROE) | 19.1380% | 428 |
| Retained earnings to average equity (ytd only) | 19.1380% | 208 |
| Net charge-offs to loans | 0.5384% | 2,452 |
| Credit loss provision to net charge-offs | 169.2718% | 2,151 |
| Earnings coverage of net charge-offs (x) | 5.5275% | 2,381 |
| Efficiency ratio | 52.4565% | 7,105 |
| Assets per employee ($millions) | 3.7591% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 1,981 |
| Loan loss allowance to noncurrent loans | 52.0770% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 3.5845% | 1,958 |
| Noncurrent loans to loans | 4.0124% | 1,952 |
| Net loans and leases to total assets | 70.7320% | 2,756 |
| Net loans and leases to deposits | 79.2876% | 3,785 |
| Net loans and leases to core deposits | 91.5810% | 3,160 |
| Total domestic deposits to total assets | 89.2094% | 1,413 |
| Equity capital to assets | 8.2290% | 6,393 |
| Core capital (leverage) ratio | 8.1622% | 5,976 |
| Tier 1 risk-based capital ratio | 11.1926% | 5,972 |
| Total risk-based capital ratio | 12.4527% | 5,912 |
| Memoranda: | ||
| Average total assets | $575,276,500 | 1,209 |
| Average earning assets | $546,411,500 | 1,148 |
| Average equity | $45,647,500 | 1,474 |
| Average total loans | $418,293,000 | 1,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 1,615 |
| Cost of funding earning assets | 1.9120% | 3,398 |
| Net interest margin | 4.1544% | 2,232 |
| Noninterest income to average assets | 0.4569% | 4,745 |
| Noninterest expense to average assets | 2.3916% | 6,492 |
| Loan and lease loss provision to assets | 0.6401% | 3,239 |
| Net operating income to assets | 1.3472% | 948 |
| Return on assets (ROA) | 1.3200% | 1,042 |
| Pretax return on assets | 1.3200% | 1,640 |
| Return on Equity (ROE) | 18.0241% | 369 |
| Retained earnings to average equity (ytd only) | 9.7960% | 389 |
| Net charge-offs to loans | 0.7722% | 2,893 |
| Credit loss provision to net charge-offs | 115.5017% | 4,719 |
| Earnings coverage of net charge-offs (x) | 3.5859% | 3,286 |
| Efficiency ratio | 54.5530% | 7,170 |
| Assets per employee ($millions) | 3.8356% | 4,194 |
| Cash dividends to net income (ytd only)* | 45.6502% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,159 |
| Loan loss allowance to noncurrent loans | 74.0624% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.3691% | 2,930 |
| Noncurrent loans to loans | 2.6236% | 2,935 |
| Net loans and leases to total assets | 71.7536% | 2,822 |
| Net loans and leases to deposits | 82.9858% | 3,452 |
| Net loans and leases to core deposits | 118.1361% | 2,115 |
| Total domestic deposits to total assets | 86.4649% | 2,781 |
| Equity capital to assets | 7.6447% | 6,902 |
| Core capital (leverage) ratio | 7.8268% | 6,416 |
| Tier 1 risk-based capital ratio | 10.5595% | 6,332 |
| Total risk-based capital ratio | 11.8182% | 6,310 |
| Memoranda: | ||
| Average total assets | $580,827,600 | 1,187 |
| Average earning assets | $548,335,800 | 1,150 |
| Average equity | $42,537,600 | 1,571 |
| Average total loans | $416,864,400 | 1,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1373% | 1,534 |
| Cost of funding earning assets | 2.0330% | 3,203 |
| Net interest margin | 4.1043% | 2,379 |
| Noninterest income to average assets | 0.4677% | 4,763 |
| Noninterest expense to average assets | 2.3301% | 6,626 |
| Loan and lease loss provision to assets | 0.3927% | 3,960 |
| Net operating income to assets | 1.6160% | 645 |
| Return on assets (ROA) | 1.5773% | 745 |
| Pretax return on assets | 1.5773% | 1,225 |
| Return on Equity (ROE) | 21.7746% | 215 |
| Retained earnings to average equity (ytd only) | 21.7746% | 44 |
| Net charge-offs to loans | 0.4741% | 3,326 |
| Credit loss provision to net charge-offs | 115.9892% | 4,378 |
| Earnings coverage of net charge-offs (x) | 5.9329% | 2,702 |
| Efficiency ratio | 53.6453% | 7,274 |
| Assets per employee ($millions) | 3.8602% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,022 |
| Loan loss allowance to noncurrent loans | 58.3858% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.2408% | 2,091 |
| Noncurrent loans to loans | 3.2592% | 2,325 |
| Net loans and leases to total assets | 72.4232% | 2,930 |
| Net loans and leases to deposits | 82.8590% | 3,857 |
| Net loans and leases to core deposits | 120.6139% | 2,195 |
| Total domestic deposits to total assets | 87.4054% | 1,945 |
| Equity capital to assets | 8.2799% | 6,531 |
| Core capital (leverage) ratio | 8.0679% | 6,241 |
| Tier 1 risk-based capital ratio | 11.2371% | 5,704 |
| Total risk-based capital ratio | 12.4952% | 5,643 |
| Memoranda: | ||
| Average total assets | $581,241,000 | 1,203 |
| Average earning assets | $548,217,750 | 1,162 |
| Average equity | $42,103,000 | 1,603 |
| Average total loans | $415,127,250 | 1,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1881% | 1,495 |
| Cost of funding earning assets | 2.1184% | 3,192 |
| Net interest margin | 4.0697% | 2,437 |
| Noninterest income to average assets | 0.4435% | 4,902 |
| Noninterest expense to average assets | 2.2877% | 6,788 |
| Loan and lease loss provision to assets | 0.2120% | 4,924 |
| Net operating income to assets | 1.7766% | 492 |
| Return on assets (ROA) | 1.7298% | 580 |
| Pretax return on assets | 1.7298% | 968 |
| Return on Equity (ROE) | 25.0371% | 135 |
| Retained earnings to average equity (ytd only) | 25.0371% | 45 |
| Net charge-offs to loans | 0.2885% | 3,752 |
| Credit loss provision to net charge-offs | 104.0201% | 4,417 |
| Earnings coverage of net charge-offs (x) | 9.7571% | 2,081 |
| Efficiency ratio | 53.4329% | 7,393 |
| Assets per employee ($millions) | 3.9064% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 1,894 |
| Loan loss allowance to noncurrent loans | 108.2438% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 4,151 |
| Noncurrent loans to loans | 1.7136% | 3,937 |
| Net loans and leases to total assets | 70.0744% | 3,693 |
| Net loans and leases to deposits | 78.9306% | 4,713 |
| Net loans and leases to core deposits | 112.2312% | 3,110 |
| Total domestic deposits to total assets | 88.7798% | 1,387 |
| Equity capital to assets | 7.3290% | 7,397 |
| Core capital (leverage) ratio | 7.6968% | 6,763 |
| Tier 1 risk-based capital ratio | 10.8141% | 6,067 |
| Total risk-based capital ratio | 12.0715% | 5,994 |
| Memoranda: | ||
| Average total assets | $585,838,670 | 1,213 |
| Average earning assets | $551,738,330 | 1,175 |
| Average equity | $40,476,000 | 1,678 |
| Average total loans | $413,857,670 | 1,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0995% | 1,944 |
| Cost of funding earning assets | 2.2161% | 3,081 |
| Net interest margin | 3.8834% | 3,117 |
| Noninterest income to average assets | 0.4329% | 4,932 |
| Noninterest expense to average assets | 2.0643% | 7,203 |
| Loan and lease loss provision to assets | 0.2076% | 4,364 |
| Net operating income to assets | 1.7986% | 528 |
| Return on assets (ROA) | 1.7959% | 587 |
| Pretax return on assets | 1.7959% | 981 |
| Return on Equity (ROE) | 26.8084% | 149 |
| Retained earnings to average equity (ytd only) | 26.8084% | 69 |
| Net charge-offs to loans | 0.0330% | 5,052 |
| Credit loss provision to net charge-offs | 894.1176% | 695 |
| Earnings coverage of net charge-offs (x) | 86.4118% | 492 |
| Efficiency ratio | 50.6459% | 7,542 |
| Assets per employee ($millions) | 3.9041% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 1,546 |
| Loan loss allowance to noncurrent loans | 116.8759% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 3,797 |
| Noncurrent loans to loans | 1.6564% | 3,791 |
| Net loans and leases to total assets | 68.7926% | 3,954 |
| Net loans and leases to deposits | 77.1543% | 5,067 |
| Net loans and leases to core deposits | 109.2367% | 3,537 |
| Total domestic deposits to total assets | 89.1623% | 1,163 |
| Equity capital to assets | 6.9495% | 7,703 |
| Core capital (leverage) ratio | 7.2994% | 7,382 |
| Tier 1 risk-based capital ratio | 10.3177% | 6,580 |
| Total risk-based capital ratio | 11.5762% | 6,488 |
| Memoranda: | ||
| Average total assets | $585,778,500 | 1,219 |
| Average earning assets | $548,699,500 | 1,186 |
| Average equity | $39,241,500 | 1,731 |
| Average total loans | $411,603,000 | 1,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7615% | 1,823 |
| Cost of funding earning assets | 2.7927% | 2,738 |
| Net interest margin | 3.9687% | 3,276 |
| Noninterest income to average assets | 0.5170% | 4,494 |
| Noninterest expense to average assets | 2.1333% | 7,151 |
| Loan and lease loss provision to assets | 0.4429% | 3,074 |
| Net operating income to assets | 1.6745% | 711 |
| Return on assets (ROA) | 1.7004% | 644 |
| Pretax return on assets | 1.7004% | 1,142 |
| Return on Equity (ROE) | 24.8197% | 143 |
| Retained earnings to average equity (ytd only) | 12.6760% | 186 |
| Net charge-offs to loans | 0.3931% | 2,849 |
| Credit loss provision to net charge-offs | 162.4675% | 3,181 |
| Earnings coverage of net charge-offs (x) | 7.7675% | 3,028 |
| Efficiency ratio | 50.0833% | 7,658 |
| Assets per employee ($millions) | 3.8292% | 3,906 |
| Cash dividends to net income (ytd only)* | 48.9278% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 1,448 |
| Loan loss allowance to noncurrent loans | 120.2176% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 3,709 |
| Noncurrent loans to loans | 1.5709% | 3,427 |
| Net loans and leases to total assets | 69.0537% | 4,242 |
| Net loans and leases to deposits | 77.8295% | 5,365 |
| Net loans and leases to core deposits | 107.9976% | 3,969 |
| Total domestic deposits to total assets | 88.7243% | 1,137 |
| Equity capital to assets | 6.4454% | 7,951 |
| Core capital (leverage) ratio | 7.1474% | 7,571 |
| Tier 1 risk-based capital ratio | 9.7530% | 7,013 |
| Total risk-based capital ratio | 11.0106% | 6,904 |
| Memoranda: | ||
| Average total assets | $564,937,800 | 1,194 |
| Average earning assets | $531,483,600 | 1,162 |
| Average equity | $38,703,200 | 1,745 |
| Average total loans | $391,782,600 | 1,235 |