Home > Gulf Coast Bank > Performance and Condition Ratios
Gulf Coast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 2,310 |
| Cost of funding earning assets | 0.5915% | 4,081 |
| Net interest margin | 4.2942% | 821 |
| Noninterest income to average assets | 1.1300% | 529 |
| Noninterest expense to average assets | 3.6304% | 489 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0761% | 1,986 |
| Return on assets (ROA) | 1.0745% | 1,966 |
| Pretax return on assets | 1.3351% | 1,779 |
| Return on Equity (ROE) | 10.4000% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.2501% | 1,809 |
| Net charge-offs to loans | 0.0820% | 1,043 |
| Credit loss provision to net charge-offs | 131.2236% | 1,589 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,643 |
| Efficiency ratio | 72.1831% | 1,642 |
| Assets per employee ($millions) | 4.1698% | 4,095 |
| Cash dividends to net income (ytd only)* | 30.3148% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 2,825 |
| Loan loss allowance to noncurrent loans | 123.1478% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 829 |
| Noncurrent loans to loans | 0.8949% | 841 |
| Net loans and leases to total assets | 58.5100% | 2,990 |
| Net loans and leases to deposits | 66.3206% | 3,152 |
| Net loans and leases to core deposits | 68.9744% | 3,356 |
| Total domestic deposits to total assets | 88.2200% | 1,280 |
| Equity capital to assets | 10.9247% | 1,511 |
| Core capital (leverage) ratio | 13.7025% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $502,565,600 | 1,720 |
| Average earning assets | $456,430,800 | 1,741 |
| Average equity | $51,902,800 | 1,559 |
| Average total loans | $288,867,800 | 1,832 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 2,343 |
| Cost of funding earning assets | 0.5150% | 4,113 |
| Net interest margin | 4.2495% | 866 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 3.4882% | 562 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1604% | 1,900 |
| Return on assets (ROA) | 1.1583% | 1,886 |
| Pretax return on assets | 1.4682% | 1,638 |
| Return on Equity (ROE) | 11.3800% | 2,285 |
| Retained earnings to average equity (ytd only) | 10.0801% | 1,376 |
| Net charge-offs to loans | 0.0860% | 873 |
| Credit loss provision to net charge-offs | 159.6774% | 1,280 |
| Earnings coverage of net charge-offs (x) | 31.5591% | 1,568 |
| Efficiency ratio | 69.2461% | 1,872 |
| Assets per employee ($millions) | 4.0658% | 4,135 |
| Cash dividends to net income (ytd only)* | 11.3921% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,813 |
| Loan loss allowance to noncurrent loans | 131.6964% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 1,115 |
| Noncurrent loans to loans | 0.8426% | 981 |
| Net loans and leases to total assets | 59.2700% | 2,913 |
| Net loans and leases to deposits | 66.5528% | 3,084 |
| Net loans and leases to core deposits | 68.7819% | 3,282 |
| Total domestic deposits to total assets | 89.0600% | 1,223 |
| Equity capital to assets | 10.1737% | 1,724 |
| Core capital (leverage) ratio | 13.6057% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $505,196,500 | 1,719 |
| Average earning assets | $459,279,250 | 1,738 |
| Average equity | $51,440,000 | 1,559 |
| Average total loans | $288,315,000 | 1,840 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 66,833.0000% | 12 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 64,413.0000% | 19 |
| Cost of funding earning assets | 126.0000% | 14 |
| Net interest margin | 252.0000% | 2 |
| Noninterest income to average assets | 0.0168% | 4,559 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.1864% | 1,860 |
| Pretax return on assets | 1.5105% | 1,579 |
| Return on Equity (ROE) | 11.6500% | 2,260 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0110% | 1,792 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,387 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0640% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.1418% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0037% | 3,802 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0002% | 4,547 |
| Total domestic deposits to total assets | 83,341.0000% | 3 |
| Equity capital to assets | 71,955.0000% | 8 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,098,000 | 4,409 |
| Average earning assets | $3,316 | 4,634 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 2,389 |
| Cost of funding earning assets | 0.2986% | 4,201 |
| Net interest margin | 4.1706% | 995 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 3.4262% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2420% | 1,816 |
| Return on assets (ROA) | 1.2420% | 1,792 |
| Pretax return on assets | 1.5682% | 1,537 |
| Return on Equity (ROE) | 12.3400% | 2,134 |
| Retained earnings to average equity (ytd only) | 12.3352% | 1,207 |
| Net charge-offs to loans | 0.0505% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 56.3611% | 1,049 |
| Efficiency ratio | 68.6011% | 1,907 |
| Assets per employee ($millions) | 4.3933% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,147 |
| Loan loss allowance to noncurrent loans | 95.9120% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 708 |
| Noncurrent loans to loans | 1.1265% | 631 |
| Net loans and leases to total assets | 55.1600% | 3,104 |
| Net loans and leases to deposits | 61.8334% | 3,237 |
| Net loans and leases to core deposits | 62.8957% | 3,393 |
| Total domestic deposits to total assets | 89.2100% | 1,466 |
| Equity capital to assets | 10.2446% | 1,695 |
| Core capital (leverage) ratio | 12.9812% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $517,544,000 | 1,710 |
| Average earning assets | $472,935,000 | 1,720 |
| Average equity | $52,111,000 | 1,563 |
| Average total loans | $285,429,500 | 1,859 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 1,670 |
| Cost of funding earning assets | 0.1245% | 4,257 |
| Net interest margin | 3.8919% | 970 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 3.3296% | 602 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.8363% | 3,201 |
| Return on assets (ROA) | 0.8298% | 3,147 |
| Pretax return on assets | 1.0857% | 2,818 |
| Return on Equity (ROE) | 8.1500% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.2679% | 2,547 |
| Net charge-offs to loans | 0.2294% | 349 |
| Credit loss provision to net charge-offs | 162.1861% | 1,254 |
| Earnings coverage of net charge-offs (x) | 10.3043% | 2,193 |
| Efficiency ratio | 71.9468% | 1,450 |
| Assets per employee ($millions) | 4.6524% | 3,936 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 2,881 |
| Loan loss allowance to noncurrent loans | 139.7059% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 875 |
| Noncurrent loans to loans | 0.7895% | 943 |
| Net loans and leases to total assets | 53.9400% | 3,207 |
| Net loans and leases to deposits | 60.2146% | 3,320 |
| Net loans and leases to core deposits | 61.1696% | 3,440 |
| Total domestic deposits to total assets | 89.5900% | 1,519 |
| Equity capital to assets | 9.8956% | 1,760 |
| Core capital (leverage) ratio | 12.1802% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $537,332,000 | 1,640 |
| Average earning assets | $498,708,200 | 1,631 |
| Average equity | $54,723,400 | 1,505 |
| Average total loans | $295,094,200 | 1,743 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,321 |
| Cost of funding earning assets | 0.0939% | 4,330 |
| Net interest margin | 3.8805% | 829 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 3.2153% | 677 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.8605% | 3,032 |
| Return on assets (ROA) | 0.8605% | 3,007 |
| Pretax return on assets | 1.0799% | 2,779 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | 8.3917% | 1,854 |
| Net charge-offs to loans | 0.3993% | 157 |
| Credit loss provision to net charge-offs | 142.1525% | 1,147 |
| Earnings coverage of net charge-offs (x) | 6.3374% | 2,116 |
| Efficiency ratio | 69.7846% | 1,786 |
| Assets per employee ($millions) | 4.8416% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,327 |
| Loan loss allowance to noncurrent loans | 132.6180% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 915 |
| Noncurrent loans to loans | 0.7802% | 1,037 |
| Net loans and leases to total assets | 55.4900% | 2,956 |
| Net loans and leases to deposits | 61.5493% | 3,060 |
| Net loans and leases to core deposits | 62.7616% | 3,202 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 9.4449% | 1,918 |
| Core capital (leverage) ratio | 11.9813% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $541,397,500 | 1,640 |
| Average earning assets | $504,253,000 | 1,633 |
| Average equity | $55,513,500 | 1,504 |
| Average total loans | $297,812,250 | 1,720 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 1,819 |
| Cost of funding earning assets | 0.0734% | 4,438 |
| Net interest margin | 3.5354% | 1,215 |
| Noninterest income to average assets | 0.9957% | 677 |
| Noninterest expense to average assets | 3.2017% | 627 |
| Loan and lease loss provision to assets | 0.1242% | 789 |
| Net operating income to assets | 0.7789% | 3,031 |
| Return on assets (ROA) | 0.7789% | 2,997 |
| Pretax return on assets | 0.9781% | 2,807 |
| Return on Equity (ROE) | 7.4060% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.4060% | 1,848 |
| Net charge-offs to loans | 0.0302% | 1,122 |
| Credit loss provision to net charge-offs | 751.1111% | 490 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 1,032 |
| Efficiency ratio | 74.3896% | 1,468 |
| Assets per employee ($millions) | 4.8776% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,602 |
| Loan loss allowance to noncurrent loans | 69.7448% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 643 |
| Noncurrent loans to loans | 1.4308% | 525 |
| Net loans and leases to total assets | 55.0847% | 2,846 |
| Net loans and leases to deposits | 61.3450% | 2,943 |
| Net loans and leases to core deposits | 62.3164% | 3,089 |
| Total domestic deposits to total assets | 89.7950% | 1,797 |
| Equity capital to assets | 9.8079% | 1,815 |
| Core capital (leverage) ratio | 11.6721% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,338,333 | 1,638 |
| Average earning assets | $509,359,000 | 1,638 |
| Average equity | $57,251,000 | 1,497 |
| Average total loans | $297,537,333 | 1,713 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 1,844 |
| Cost of funding earning assets | 0.0696% | 4,454 |
| Net interest margin | 3.4205% | 1,257 |
| Noninterest income to average assets | 0.9337% | 790 |
| Noninterest expense to average assets | 2.9373% | 904 |
| Loan and lease loss provision to assets | 0.1165% | 719 |
| Net operating income to assets | 0.8904% | 2,313 |
| Return on assets (ROA) | 0.8904% | 2,313 |
| Pretax return on assets | 1.1191% | 2,080 |
| Return on Equity (ROE) | 8.1920% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.1920% | 1,523 |
| Net charge-offs to loans | 0.0014% | 1,791 |
| Credit loss provision to net charge-offs | 15,900.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,686.0000% | 37 |
| Efficiency ratio | 70.3899% | 2,176 |
| Assets per employee ($millions) | 4.8571% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,874 |
| Loan loss allowance to noncurrent loans | 71.0012% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 742 |
| Noncurrent loans to loans | 1.3539% | 641 |
| Net loans and leases to total assets | 53.9119% | 2,769 |
| Net loans and leases to deposits | 60.2073% | 2,883 |
| Net loans and leases to core deposits | 61.1494% | 3,047 |
| Total domestic deposits to total assets | 89.5438% | 1,791 |
| Equity capital to assets | 10.2846% | 1,697 |
| Core capital (leverage) ratio | 11.8902% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,802,500 | 1,648 |
| Average earning assets | $516,884,000 | 1,628 |
| Average equity | $59,326,000 | 1,500 |
| Average total loans | $295,686,000 | 1,716 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 510 |
| Cost of funding earning assets | 0.1348% | 4,117 |
| Net interest margin | 4.4675% | 293 |
| Noninterest income to average assets | 1.0929% | 864 |
| Noninterest expense to average assets | 3.0924% | 846 |
| Loan and lease loss provision to assets | 0.0374% | 2,295 |
| Net operating income to assets | 1.7421% | 580 |
| Return on assets (ROA) | 1.7941% | 534 |
| Pretax return on assets | 2.2689% | 361 |
| Return on Equity (ROE) | 15.2240% | 901 |
| Retained earnings to average equity (ytd only) | 9.1547% | 1,150 |
| Net charge-offs to loans | 0.1071% | 823 |
| Credit loss provision to net charge-offs | 54.6479% | 2,105 |
| Earnings coverage of net charge-offs (x) | 32.7521% | 1,548 |
| Efficiency ratio | 57.9889% | 3,447 |
| Assets per employee ($millions) | 4.6389% | 4,009 |
| Cash dividends to net income (ytd only)* | 39.8668% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,996 |
| Loan loss allowance to noncurrent loans | 65.8898% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 788 |
| Noncurrent loans to loans | 1.4077% | 663 |
| Net loans and leases to total assets | 53.4109% | 2,919 |
| Net loans and leases to deposits | 60.5190% | 3,031 |
| Net loans and leases to core deposits | 61.5135% | 3,207 |
| Total domestic deposits to total assets | 88.2548% | 1,902 |
| Equity capital to assets | 11.4610% | 1,528 |
| Core capital (leverage) ratio | 11.6784% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $518,973,800 | 1,653 |
| Average earning assets | $492,532,400 | 1,629 |
| Average equity | $61,160,000 | 1,495 |
| Average total loans | $331,620,600 | 1,586 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 380 |
| Cost of funding earning assets | 0.1506% | 4,101 |
| Net interest margin | 4.6911% | 230 |
| Noninterest income to average assets | 1.1349% | 884 |
| Noninterest expense to average assets | 3.0105% | 952 |
| Loan and lease loss provision to assets | 0.0458% | 2,081 |
| Net operating income to assets | 2.0038% | 462 |
| Return on assets (ROA) | 2.0674% | 439 |
| Pretax return on assets | 2.6111% | 282 |
| Return on Equity (ROE) | 17.4165% | 706 |
| Retained earnings to average equity (ytd only) | 11.5446% | 931 |
| Net charge-offs to loans | 0.1144% | 671 |
| Credit loss provision to net charge-offs | 60.0683% | 1,803 |
| Earnings coverage of net charge-offs (x) | 33.8328% | 1,459 |
| Efficiency ratio | 53.8866% | 3,829 |
| Assets per employee ($millions) | 4.7205% | 3,946 |
| Cash dividends to net income (ytd only)* | 33.7146% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,108 |
| Loan loss allowance to noncurrent loans | 74.7762% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 1,038 |
| Noncurrent loans to loans | 1.2269% | 901 |
| Net loans and leases to total assets | 55.8218% | 2,749 |
| Net loans and leases to deposits | 63.5647% | 2,895 |
| Net loans and leases to core deposits | 64.6760% | 3,072 |
| Total domestic deposits to total assets | 87.8188% | 1,950 |
| Equity capital to assets | 11.8657% | 1,462 |
| Core capital (leverage) ratio | 12.0076% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $513,028,250 | 1,686 |
| Average earning assets | $486,864,750 | 1,662 |
| Average equity | $60,898,750 | 1,521 |
| Average total loans | $341,374,500 | 1,579 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 599 |
| Cost of funding earning assets | 0.1556% | 4,165 |
| Net interest margin | 4.4703% | 376 |
| Noninterest income to average assets | 1.0995% | 929 |
| Noninterest expense to average assets | 3.0405% | 918 |
| Loan and lease loss provision to assets | 0.0672% | 1,705 |
| Net operating income to assets | 1.7629% | 776 |
| Return on assets (ROA) | 1.8596% | 665 |
| Pretax return on assets | 2.3479% | 446 |
| Return on Equity (ROE) | 15.6638% | 1,027 |
| Retained earnings to average equity (ytd only) | 6.7387% | 2,526 |
| Net charge-offs to loans | 0.0834% | 845 |
| Credit loss provision to net charge-offs | 114.8649% | 1,286 |
| Earnings coverage of net charge-offs (x) | 39.2095% | 1,180 |
| Efficiency ratio | 57.0116% | 3,408 |
| Assets per employee ($millions) | 4.5940% | 4,026 |
| Cash dividends to net income (ytd only)* | 56.9790% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,183 |
| Loan loss allowance to noncurrent loans | 65.8631% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 865 |
| Noncurrent loans to loans | 1.3489% | 866 |
| Net loans and leases to total assets | 62.2338% | 2,152 |
| Net loans and leases to deposits | 70.7313% | 2,337 |
| Net loans and leases to core deposits | 71.9980% | 2,604 |
| Total domestic deposits to total assets | 87.9862% | 1,829 |
| Equity capital to assets | 11.6461% | 1,550 |
| Core capital (leverage) ratio | 11.4589% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $506,230,667 | 1,691 |
| Average earning assets | $479,435,000 | 1,668 |
| Average equity | $60,100,333 | 1,523 |
| Average total loans | $354,992,000 | 1,540 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 490 |
| Cost of funding earning assets | 0.1617% | 4,227 |
| Net interest margin | 4.6371% | 298 |
| Noninterest income to average assets | 1.0140% | 1,106 |
| Noninterest expense to average assets | 3.0469% | 916 |
| Loan and lease loss provision to assets | 0.0288% | 2,408 |
| Net operating income to assets | 1.9708% | 591 |
| Return on assets (ROA) | 2.1817% | 467 |
| Pretax return on assets | 2.5691% | 387 |
| Return on Equity (ROE) | 18.1970% | 708 |
| Retained earnings to average equity (ytd only) | 18.1970% | 360 |
| Net charge-offs to loans | 0.1039% | 668 |
| Credit loss provision to net charge-offs | 37.5000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 30.5833% | 1,089 |
| Efficiency ratio | 56.4585% | 3,494 |
| Assets per employee ($millions) | 4.5691% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 4,489 |
| Loan loss allowance to noncurrent loans | 56.6996% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 781 |
| Noncurrent loans to loans | 1.3206% | 985 |
| Net loans and leases to total assets | 71.6078% | 1,080 |
| Net loans and leases to deposits | 81.3175% | 1,395 |
| Net loans and leases to core deposits | 82.6738% | 1,785 |
| Total domestic deposits to total assets | 88.0595% | 1,823 |
| Equity capital to assets | 11.7565% | 1,410 |
| Core capital (leverage) ratio | 12.1508% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,786,000 | 1,697 |
| Average earning assets | $472,364,000 | 1,673 |
| Average equity | $59,922,000 | 1,522 |
| Average total loans | $369,506,000 | 1,490 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 685 |
| Cost of funding earning assets | 0.2471% | 4,392 |
| Net interest margin | 4.5912% | 266 |
| Noninterest income to average assets | 1.1939% | 781 |
| Noninterest expense to average assets | 3.7441% | 499 |
| Loan and lease loss provision to assets | 0.1388% | 2,622 |
| Net operating income to assets | 1.3121% | 1,216 |
| Return on assets (ROA) | 1.3121% | 1,320 |
| Pretax return on assets | 1.6239% | 1,018 |
| Return on Equity (ROE) | 10.0507% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,206 |
| Net charge-offs to loans | 0.1147% | 1,333 |
| Credit loss provision to net charge-offs | 158.6207% | 2,377 |
| Earnings coverage of net charge-offs (x) | 20.1406% | 1,948 |
| Efficiency ratio | 67.9904% | 2,237 |
| Assets per employee ($millions) | 4.1267% | 4,267 |
| Cash dividends to net income (ytd only)* | 25.6546% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,442 |
| Loan loss allowance to noncurrent loans | 59.9499% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 828 |
| Noncurrent loans to loans | 1.3199% | 1,029 |
| Net loans and leases to total assets | 75.2745% | 868 |
| Net loans and leases to deposits | 86.1922% | 1,238 |
| Net loans and leases to core deposits | 87.8776% | 1,703 |
| Total domestic deposits to total assets | 87.3333% | 1,775 |
| Equity capital to assets | 12.2431% | 1,456 |
| Core capital (leverage) ratio | 12.2757% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,755,400 | 1,764 |
| Average earning assets | $404,643,000 | 1,753 |
| Average equity | $56,234,800 | 1,522 |
| Average total loans | $328,800,400 | 1,583 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 1,006 |
| Cost of funding earning assets | 0.2658% | 4,449 |
| Net interest margin | 4.4608% | 419 |
| Noninterest income to average assets | 1.2251% | 724 |
| Noninterest expense to average assets | 3.7996% | 456 |
| Loan and lease loss provision to assets | 0.1091% | 2,955 |
| Net operating income to assets | 1.1815% | 1,702 |
| Return on assets (ROA) | 1.1815% | 1,820 |
| Pretax return on assets | 1.4955% | 1,456 |
| Return on Equity (ROE) | 8.8924% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.8924% | 1,011 |
| Net charge-offs to loans | 0.0067% | 2,887 |
| Credit loss provision to net charge-offs | 2,143.7500% | 445 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 343 |
| Efficiency ratio | 70.3075% | 1,844 |
| Assets per employee ($millions) | 3.6885% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,435 |
| Loan loss allowance to noncurrent loans | 73.9271% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 1,065 |
| Noncurrent loans to loans | 1.0423% | 1,433 |
| Net loans and leases to total assets | 82.5746% | 393 |
| Net loans and leases to deposits | 94.7019% | 867 |
| Net loans and leases to core deposits | 96.6079% | 1,407 |
| Total domestic deposits to total assets | 87.1942% | 1,579 |
| Equity capital to assets | 12.5088% | 1,427 |
| Core capital (leverage) ratio | 12.4667% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,770,250 | 1,778 |
| Average earning assets | $392,329,750 | 1,771 |
| Average equity | $55,641,750 | 1,525 |
| Average total loans | $320,198,000 | 1,613 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,499 |
| Cost of funding earning assets | 0.2752% | 4,554 |
| Net interest margin | 4.3879% | 638 |
| Noninterest income to average assets | 1.2458% | 652 |
| Noninterest expense to average assets | 3.9356% | 438 |
| Loan and lease loss provision to assets | 0.1690% | 2,314 |
| Net operating income to assets | 0.9895% | 2,365 |
| Return on assets (ROA) | 0.9895% | 2,495 |
| Pretax return on assets | 1.2433% | 2,208 |
| Return on Equity (ROE) | 7.2833% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,546 |
| Net charge-offs to loans | 0.0349% | 2,039 |
| Credit loss provision to net charge-offs | 655.7692% | 1,045 |
| Earnings coverage of net charge-offs (x) | 54.7885% | 1,036 |
| Efficiency ratio | 73.5910% | 1,502 |
| Assets per employee ($millions) | 3.3032% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,427 |
| Loan loss allowance to noncurrent loans | 47.9778% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 604 |
| Noncurrent loans to loans | 1.5943% | 927 |
| Net loans and leases to total assets | 81.9497% | 421 |
| Net loans and leases to deposits | 93.4956% | 1,007 |
| Net loans and leases to core deposits | 95.4348% | 1,617 |
| Total domestic deposits to total assets | 87.6508% | 1,350 |
| Equity capital to assets | 12.1038% | 1,604 |
| Core capital (leverage) ratio | 12.6097% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9466% | 1,839 |
| Memoranda: | ||
| Average total assets | $403,443,000 | 1,807 |
| Average earning assets | $377,171,667 | 1,799 |
| Average equity | $54,810,667 | 1,532 |
| Average total loans | $298,015,000 | 1,671 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 1,342 |
| Cost of funding earning assets | 0.2981% | 4,663 |
| Net interest margin | 4.5340% | 467 |
| Noninterest income to average assets | 1.4430% | 429 |
| Noninterest expense to average assets | 4.2730% | 381 |
| Loan and lease loss provision to assets | 0.2084% | 1,468 |
| Net operating income to assets | 0.7908% | 2,936 |
| Return on assets (ROA) | 0.7908% | 3,025 |
| Pretax return on assets | 1.1776% | 2,281 |
| Return on Equity (ROE) | 5.4489% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.4489% | 2,087 |
| Net charge-offs to loans | 0.0377% | 1,665 |
| Credit loss provision to net charge-offs | 808.3333% | 661 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 851 |
| Efficiency ratio | 75.5079% | 1,618 |
| Assets per employee ($millions) | 2.7392% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,188 |
| Loan loss allowance to noncurrent loans | 47.1364% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 413 |
| Noncurrent loans to loans | 2.3384% | 536 |
| Net loans and leases to total assets | 67.4968% | 2,616 |
| Net loans and leases to deposits | 79.2379% | 2,755 |
| Net loans and leases to core deposits | 81.5149% | 3,062 |
| Total domestic deposits to total assets | 85.1825% | 2,342 |
| Equity capital to assets | 14.5145% | 893 |
| Core capital (leverage) ratio | 14.7101% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6638% | 590 |
| Memoranda: | ||
| Average total assets | $372,290,500 | 1,883 |
| Average earning assets | $346,182,500 | 1,869 |
| Average equity | $54,029,500 | 1,540 |
| Average total loans | $254,712,000 | 1,830 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 1,346 |
| Cost of funding earning assets | 0.2928% | 4,748 |
| Net interest margin | 4.7561% | 420 |
| Noninterest income to average assets | 1.3896% | 498 |
| Noninterest expense to average assets | 4.2812% | 383 |
| Loan and lease loss provision to assets | 0.0692% | 2,623 |
| Net operating income to assets | 1.1746% | 2,156 |
| Return on assets (ROA) | 1.1746% | 2,255 |
| Pretax return on assets | 1.4642% | 1,921 |
| Return on Equity (ROE) | 8.4721% | 2,954 |
| Retained earnings to average equity (ytd only) | 6.6384% | 1,547 |
| Net charge-offs to loans | 0.1223% | 1,534 |
| Credit loss provision to net charge-offs | 82.2222% | 2,766 |
| Earnings coverage of net charge-offs (x) | 18.2095% | 2,069 |
| Efficiency ratio | 73.6288% | 1,652 |
| Assets per employee ($millions) | 2.7978% | 4,903 |
| Cash dividends to net income (ytd only)* | 21.6431% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,233 |
| Loan loss allowance to noncurrent loans | 85.8298% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 794 |
| Noncurrent loans to loans | 1.2202% | 1,227 |
| Net loans and leases to total assets | 67.8703% | 2,696 |
| Net loans and leases to deposits | 79.8802% | 2,791 |
| Net loans and leases to core deposits | 82.3464% | 3,094 |
| Total domestic deposits to total assets | 84.9652% | 2,506 |
| Equity capital to assets | 14.5109% | 932 |
| Core capital (leverage) ratio | 14.4974% | 801 |
| Tier 1 risk-based capital ratio | 20.7003% | 1,220 |
| Total risk-based capital ratio | 21.7192% | 1,227 |
| Memoranda: | ||
| Average total assets | $374,073,000 | 1,827 |
| Average earning assets | $348,036,000 | 1,821 |
| Average equity | $51,864,600 | 1,546 |
| Average total loans | $257,555,400 | 1,791 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 1,327 |
| Cost of funding earning assets | 0.2804% | 4,846 |
| Net interest margin | 4.7996% | 417 |
| Noninterest income to average assets | 1.3953% | 463 |
| Noninterest expense to average assets | 4.2924% | 366 |
| Loan and lease loss provision to assets | 0.0707% | 2,463 |
| Net operating income to assets | 1.1938% | 2,216 |
| Return on assets (ROA) | 1.1938% | 2,292 |
| Pretax return on assets | 1.4905% | 1,983 |
| Return on Equity (ROE) | 8.7101% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.7101% | 1,131 |
| Net charge-offs to loans | 0.1000% | 1,475 |
| Credit loss provision to net charge-offs | 102.5773% | 2,200 |
| Earnings coverage of net charge-offs (x) | 22.6495% | 1,861 |
| Efficiency ratio | 73.3293% | 1,657 |
| Assets per employee ($millions) | 2.7027% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,125 |
| Loan loss allowance to noncurrent loans | 77.4543% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 787 |
| Noncurrent loans to loans | 1.3963% | 1,096 |
| Net loans and leases to total assets | 67.0429% | 2,922 |
| Net loans and leases to deposits | 78.8639% | 3,021 |
| Net loans and leases to core deposits | 81.2811% | 3,294 |
| Total domestic deposits to total assets | 85.0109% | 2,418 |
| Equity capital to assets | 14.4811% | 986 |
| Core capital (leverage) ratio | 14.5114% | 854 |
| Tier 1 risk-based capital ratio | 21.4278% | 1,137 |
| Total risk-based capital ratio | 22.5084% | 1,142 |
| Memoranda: | ||
| Average total assets | $375,262,250 | 1,837 |
| Average earning assets | $348,573,000 | 1,834 |
| Average equity | $51,433,000 | 1,559 |
| Average total loans | $258,617,000 | 1,797 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 1,431 |
| Cost of funding earning assets | 0.2546% | 4,945 |
| Net interest margin | 4.7631% | 440 |
| Noninterest income to average assets | 1.3743% | 464 |
| Noninterest expense to average assets | 4.3372% | 357 |
| Loan and lease loss provision to assets | 0.0716% | 2,382 |
| Net operating income to assets | 1.1005% | 2,521 |
| Return on assets (ROA) | 1.1005% | 2,590 |
| Pretax return on assets | 1.3934% | 2,227 |
| Return on Equity (ROE) | 8.1808% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.1808% | 1,324 |
| Net charge-offs to loans | 0.2068% | 801 |
| Credit loss provision to net charge-offs | 50.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | 10.2259% | 2,280 |
| Efficiency ratio | 74.7508% | 1,548 |
| Assets per employee ($millions) | 2.6364% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,629 |
| Loan loss allowance to noncurrent loans | 75.1825% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 953 |
| Noncurrent loans to loans | 1.3294% | 1,174 |
| Net loans and leases to total assets | 68.6153% | 2,736 |
| Net loans and leases to deposits | 80.2851% | 2,920 |
| Net loans and leases to core deposits | 82.7121% | 3,223 |
| Total domestic deposits to total assets | 85.4646% | 2,279 |
| Equity capital to assets | 14.0561% | 1,095 |
| Core capital (leverage) ratio | 13.9707% | 971 |
| Tier 1 risk-based capital ratio | 20.3303% | 1,283 |
| Total risk-based capital ratio | 21.3269% | 1,306 |
| Memoranda: | ||
| Average total assets | $376,924,670 | 1,838 |
| Average earning assets | $350,405,330 | 1,831 |
| Average equity | $50,704,000 | 1,570 |
| Average total loans | $261,170,330 | 1,786 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 1,364 |
| Cost of funding earning assets | 0.2500% | 4,980 |
| Net interest margin | 4.7345% | 460 |
| Noninterest income to average assets | 1.3111% | 493 |
| Noninterest expense to average assets | 4.0683% | 486 |
| Loan and lease loss provision to assets | 0.0790% | 2,107 |
| Net operating income to assets | 1.2321% | 1,939 |
| Return on assets (ROA) | 1.2321% | 1,987 |
| Pretax return on assets | 1.5546% | 1,600 |
| Return on Equity (ROE) | 9.3649% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.3649% | 1,203 |
| Net charge-offs to loans | 0.1871% | 744 |
| Credit loss provision to net charge-offs | 60.9756% | 1,904 |
| Earnings coverage of net charge-offs (x) | 12.6016% | 1,863 |
| Efficiency ratio | 71.3494% | 2,137 |
| Assets per employee ($millions) | 2.6985% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,572 |
| Loan loss allowance to noncurrent loans | 76.8631% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 1,099 |
| Noncurrent loans to loans | 1.3291% | 1,229 |
| Net loans and leases to total assets | 67.2794% | 2,862 |
| Net loans and leases to deposits | 77.9453% | 3,065 |
| Net loans and leases to core deposits | 79.5250% | 3,409 |
| Total domestic deposits to total assets | 86.3162% | 2,137 |
| Equity capital to assets | 13.2496% | 1,318 |
| Core capital (leverage) ratio | 13.6164% | 1,053 |
| Tier 1 risk-based capital ratio | 19.6615% | 1,406 |
| Total risk-based capital ratio | 20.6749% | 1,433 |
| Memoranda: | ||
| Average total assets | $379,524,000 | 1,839 |
| Average earning assets | $351,966,000 | 1,841 |
| Average equity | $49,931,000 | 1,580 |
| Average total loans | $262,937,500 | 1,792 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,064 |
| Cost of funding earning assets | 0.1713% | 5,108 |
| Net interest margin | 4.8197% | 381 |
| Noninterest income to average assets | 1.4035% | 462 |
| Noninterest expense to average assets | 4.1748% | 412 |
| Loan and lease loss provision to assets | 0.1829% | 1,064 |
| Net operating income to assets | 1.2171% | 2,099 |
| Return on assets (ROA) | 1.2171% | 2,088 |
| Pretax return on assets | 1.5492% | 1,625 |
| Return on Equity (ROE) | 9.6524% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.5861% | 1,875 |
| Net charge-offs to loans | 0.3037% | 639 |
| Credit loss provision to net charge-offs | 83.2930% | 2,820 |
| Earnings coverage of net charge-offs (x) | 7.8862% | 2,944 |
| Efficiency ratio | 70.6762% | 2,080 |
| Assets per employee ($millions) | 2.6284% | 5,166 |
| Cash dividends to net income (ytd only)* | 31.7675% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,553 |
| Loan loss allowance to noncurrent loans | 72.3944% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 1,022 |
| Noncurrent loans to loans | 1.4099% | 1,104 |
| Net loans and leases to total assets | 69.8926% | 2,574 |
| Net loans and leases to deposits | 80.9063% | 2,865 |
| Net loans and leases to core deposits | 82.5717% | 3,218 |
| Total domestic deposits to total assets | 86.3871% | 2,056 |
| Equity capital to assets | 13.0610% | 1,320 |
| Core capital (leverage) ratio | 13.5823% | 1,048 |
| Tier 1 risk-based capital ratio | 18.8957% | 1,536 |
| Total risk-based capital ratio | 19.9102% | 1,540 |
| Memoranda: | ||
| Average total assets | $376,068,000 | 1,810 |
| Average earning assets | $351,393,600 | 1,803 |
| Average equity | $47,418,200 | 1,582 |
| Average total loans | $271,944,400 | 1,715 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 1,309 |
| Cost of funding earning assets | 0.1617% | 5,182 |
| Net interest margin | 4.6835% | 488 |
| Noninterest income to average assets | 1.3463% | 521 |
| Noninterest expense to average assets | 4.0915% | 463 |
| Loan and lease loss provision to assets | 0.1418% | 1,408 |
| Net operating income to assets | 1.1677% | 2,378 |
| Return on assets (ROA) | 1.1677% | 2,384 |
| Pretax return on assets | 1.4867% | 1,944 |
| Return on Equity (ROE) | 9.3444% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,691 |
| Net charge-offs to loans | 0.2510% | 674 |
| Credit loss provision to net charge-offs | 77.6699% | 2,551 |
| Earnings coverage of net charge-offs (x) | 8.9204% | 2,672 |
| Efficiency ratio | 71.5295% | 1,958 |
| Assets per employee ($millions) | 2.4342% | 5,302 |
| Cash dividends to net income (ytd only)* | 15.1791% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,748 |
| Loan loss allowance to noncurrent loans | 56.3674% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7827% | 658 |
| Noncurrent loans to loans | 1.7774% | 867 |
| Net loans and leases to total assets | 73.9061% | 1,999 |
| Net loans and leases to deposits | 85.6265% | 2,407 |
| Net loans and leases to core deposits | 87.0650% | 2,916 |
| Total domestic deposits to total assets | 86.3122% | 2,053 |
| Equity capital to assets | 13.2099% | 1,253 |
| Core capital (leverage) ratio | 13.3470% | 1,154 |
| Tier 1 risk-based capital ratio | 18.1153% | 1,761 |
| Total risk-based capital ratio | 19.1018% | 1,795 |
| Memoranda: | ||
| Average total assets | $376,120,500 | 1,816 |
| Average earning assets | $351,242,250 | 1,809 |
| Average equity | $47,000,000 | 1,594 |
| Average total loans | $273,579,000 | 1,711 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 1,345 |
| Cost of funding earning assets | 0.1531% | 5,230 |
| Net interest margin | 4.6097% | 538 |
| Noninterest income to average assets | 1.3571% | 521 |
| Noninterest expense to average assets | 4.0002% | 533 |
| Loan and lease loss provision to assets | 0.1364% | 1,436 |
| Net operating income to assets | 1.2075% | 2,164 |
| Return on assets (ROA) | 1.2075% | 2,162 |
| Pretax return on assets | 1.5172% | 1,752 |
| Return on Equity (ROE) | 9.8435% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.6971% | 1,755 |
| Net charge-offs to loans | 0.1584% | 974 |
| Credit loss provision to net charge-offs | 119.3548% | 1,806 |
| Earnings coverage of net charge-offs (x) | 14.4700% | 2,098 |
| Efficiency ratio | 70.7526% | 2,201 |
| Assets per employee ($millions) | 2.5780% | 5,311 |
| Cash dividends to net income (ytd only)* | 21.8055% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,596 |
| Loan loss allowance to noncurrent loans | 50.7736% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 573 |
| Noncurrent loans to loans | 2.0487% | 720 |
| Net loans and leases to total assets | 72.5007% | 2,197 |
| Net loans and leases to deposits | 83.2271% | 2,620 |
| Net loans and leases to core deposits | 84.3509% | 3,053 |
| Total domestic deposits to total assets | 87.1119% | 1,795 |
| Equity capital to assets | 12.4846% | 1,544 |
| Core capital (leverage) ratio | 12.8641% | 1,294 |
| Tier 1 risk-based capital ratio | 17.7770% | 1,863 |
| Total risk-based capital ratio | 18.8220% | 1,879 |
| Memoranda: | ||
| Average total assets | $379,785,000 | 1,816 |
| Average earning assets | $353,991,000 | 1,806 |
| Average equity | $46,589,000 | 1,614 |
| Average total loans | $273,911,330 | 1,717 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 1,247 |
| Cost of funding earning assets | 0.1508% | 5,266 |
| Net interest margin | 4.5746% | 530 |
| Noninterest income to average assets | 1.3340% | 526 |
| Noninterest expense to average assets | 3.8222% | 652 |
| Loan and lease loss provision to assets | 0.1010% | 1,837 |
| Net operating income to assets | 1.3340% | 1,526 |
| Return on assets (ROA) | 1.3340% | 1,540 |
| Pretax return on assets | 1.6886% | 1,142 |
| Return on Equity (ROE) | 10.9718% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.6454% | 2,432 |
| Net charge-offs to loans | 0.1764% | 828 |
| Credit loss provision to net charge-offs | 80.0000% | 1,748 |
| Earnings coverage of net charge-offs (x) | 14.1750% | 1,723 |
| Efficiency ratio | 68.1102% | 2,808 |
| Assets per employee ($millions) | 2.5707% | 5,376 |
| Cash dividends to net income (ytd only)* | 39.4322% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,798 |
| Loan loss allowance to noncurrent loans | 59.0462% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7045% | 745 |
| Noncurrent loans to loans | 1.7395% | 981 |
| Net loans and leases to total assets | 71.4977% | 2,249 |
| Net loans and leases to deposits | 81.8296% | 2,612 |
| Net loans and leases to core deposits | 84.6356% | 2,921 |
| Total domestic deposits to total assets | 87.3738% | 1,967 |
| Equity capital to assets | 12.1914% | 1,665 |
| Core capital (leverage) ratio | 12.6603% | 1,312 |
| Tier 1 risk-based capital ratio | 17.4418% | 1,996 |
| Total risk-based capital ratio | 18.4654% | 2,006 |
| Memoranda: | ||
| Average total assets | $380,196,000 | 1,824 |
| Average earning assets | $355,526,500 | 1,810 |
| Average equity | $46,227,500 | 1,637 |
| Average total loans | $272,047,500 | 1,730 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,345 |
| Cost of funding earning assets | 0.1566% | 5,225 |
| Net interest margin | 4.4785% | 646 |
| Noninterest income to average assets | 1.4525% | 502 |
| Noninterest expense to average assets | 3.9851% | 547 |
| Loan and lease loss provision to assets | 0.2205% | 897 |
| Net operating income to assets | 0.9417% | 2,485 |
| Return on assets (ROA) | 0.9417% | 2,520 |
| Pretax return on assets | 1.4064% | 1,969 |
| Return on Equity (ROE) | 7.7536% | 2,917 |
| Retained earnings to average equity (ytd only) | -0.2896% | 5,080 |
| Net charge-offs to loans | 0.1942% | 1,313 |
| Credit loss provision to net charge-offs | 173.3607% | 1,562 |
| Earnings coverage of net charge-offs (x) | 12.7930% | 2,442 |
| Efficiency ratio | 71.0113% | 2,399 |
| Assets per employee ($millions) | 2.6202% | 5,413 |
| Cash dividends to net income (ytd only)* | 103.7355% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,579 |
| Loan loss allowance to noncurrent loans | 49.6338% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 633 |
| Noncurrent loans to loans | 2.1296% | 702 |
| Net loans and leases to total assets | 70.1193% | 2,505 |
| Net loans and leases to deposits | 80.2571% | 2,886 |
| Net loans and leases to core deposits | 83.4013% | 3,115 |
| Total domestic deposits to total assets | 87.3684% | 1,826 |
| Equity capital to assets | 12.1262% | 1,745 |
| Core capital (leverage) ratio | 12.3266% | 1,434 |
| Tier 1 risk-based capital ratio | 18.1078% | 1,773 |
| Total risk-based capital ratio | 19.1965% | 1,760 |
| Memoranda: | ||
| Average total assets | $383,759,000 | 1,777 |
| Average earning assets | $356,411,000 | 1,775 |
| Average equity | $46,610,600 | 1,616 |
| Average total loans | $251,269,400 | 1,807 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,237 |
| Cost of funding earning assets | 0.1559% | 5,277 |
| Net interest margin | 4.5003% | 602 |
| Noninterest income to average assets | 1.4504% | 511 |
| Noninterest expense to average assets | 3.8341% | 646 |
| Loan and lease loss provision to assets | 0.1452% | 1,448 |
| Net operating income to assets | 1.1024% | 2,083 |
| Return on assets (ROA) | 1.1024% | 2,132 |
| Pretax return on assets | 1.6528% | 1,234 |
| Return on Equity (ROE) | 9.0730% | 2,565 |
| Retained earnings to average equity (ytd only) | 0.7501% | 5,048 |
| Net charge-offs to loans | 0.0746% | 2,069 |
| Credit loss provision to net charge-offs | 303.6232% | 972 |
| Earnings coverage of net charge-offs (x) | 37.5933% | 1,363 |
| Efficiency ratio | 68.0758% | 2,858 |
| Assets per employee ($millions) | 2.5372% | 5,511 |
| Cash dividends to net income (ytd only)* | 91.7321% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,754 |
| Loan loss allowance to noncurrent loans | 48.3168% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 832 |
| Noncurrent loans to loans | 2.1847% | 749 |
| Net loans and leases to total assets | 66.8876% | 2,991 |
| Net loans and leases to deposits | 76.6319% | 3,311 |
| Net loans and leases to core deposits | 80.2794% | 3,431 |
| Total domestic deposits to total assets | 87.2843% | 1,737 |
| Equity capital to assets | 12.1358% | 1,878 |
| Core capital (leverage) ratio | 12.4332% | 1,446 |
| Tier 1 risk-based capital ratio | 18.7204% | 1,673 |
| Total risk-based capital ratio | 19.8067% | 1,664 |
| Memoranda: | ||
| Average total assets | $384,716,750 | 1,788 |
| Average earning assets | $357,481,500 | 1,781 |
| Average equity | $46,745,500 | 1,622 |
| Average total loans | $246,774,500 | 1,844 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,281 |
| Cost of funding earning assets | 0.1562% | 5,299 |
| Net interest margin | 4.4305% | 664 |
| Noninterest income to average assets | 1.4830% | 492 |
| Noninterest expense to average assets | 3.9551% | 560 |
| Loan and lease loss provision to assets | 0.1481% | 1,373 |
| Net operating income to assets | 0.9996% | 2,431 |
| Return on assets (ROA) | 0.9996% | 2,472 |
| Pretax return on assets | 1.4913% | 1,683 |
| Return on Equity (ROE) | 8.2232% | 2,901 |
| Retained earnings to average equity (ytd only) | -4.2939% | 5,502 |
| Net charge-offs to loans | 0.1838% | 1,080 |
| Credit loss provision to net charge-offs | 127.9279% | 1,702 |
| Earnings coverage of net charge-offs (x) | 14.1622% | 2,091 |
| Efficiency ratio | 70.6962% | 2,554 |
| Assets per employee ($millions) | 2.5457% | 5,533 |
| Cash dividends to net income (ytd only)* | 152.2170% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,042 |
| Loan loss allowance to noncurrent loans | 53.5587% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 1,027 |
| Noncurrent loans to loans | 1.8994% | 914 |
| Net loans and leases to total assets | 65.0031% | 3,251 |
| Net loans and leases to deposits | 74.2604% | 3,519 |
| Net loans and leases to core deposits | 76.8217% | 3,695 |
| Total domestic deposits to total assets | 87.5340% | 1,699 |
| Equity capital to assets | 12.0080% | 1,919 |
| Core capital (leverage) ratio | 12.1193% | 1,574 |
| Tier 1 risk-based capital ratio | 18.6362% | 1,685 |
| Total risk-based capital ratio | 19.6592% | 1,704 |
| Memoranda: | ||
| Average total assets | $383,559,000 | 1,791 |
| Average earning assets | $355,945,670 | 1,782 |
| Average equity | $46,624,000 | 1,622 |
| Average total loans | $241,559,000 | 1,875 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 1,427 |
| Cost of funding earning assets | 0.1555% | 5,330 |
| Net interest margin | 4.3239% | 739 |
| Noninterest income to average assets | 1.4349% | 522 |
| Noninterest expense to average assets | 3.7741% | 700 |
| Loan and lease loss provision to assets | 0.0843% | 2,130 |
| Net operating income to assets | 1.0697% | 1,988 |
| Return on assets (ROA) | 1.0697% | 2,033 |
| Pretax return on assets | 1.5972% | 1,244 |
| Return on Equity (ROE) | 8.7472% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.7472% | 1,170 |
| Net charge-offs to loans | 0.1975% | 875 |
| Credit loss provision to net charge-offs | 69.2308% | 1,844 |
| Earnings coverage of net charge-offs (x) | 13.8120% | 1,759 |
| Efficiency ratio | 69.1780% | 3,009 |
| Assets per employee ($millions) | 2.5988% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,192 |
| Loan loss allowance to noncurrent loans | 48.0321% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 1,120 |
| Noncurrent loans to loans | 2.1133% | 826 |
| Net loans and leases to total assets | 61.7750% | 3,570 |
| Net loans and leases to deposits | 70.7291% | 3,720 |
| Net loans and leases to core deposits | 73.6466% | 3,866 |
| Total domestic deposits to total assets | 87.3403% | 2,055 |
| Equity capital to assets | 12.2992% | 1,660 |
| Core capital (leverage) ratio | 12.6783% | 1,257 |
| Tier 1 risk-based capital ratio | 20.6642% | 1,274 |
| Total risk-based capital ratio | 21.7093% | 1,277 |
| Memoranda: | ||
| Average total assets | $384,411,500 | 1,797 |
| Average earning assets | $357,455,000 | 1,786 |
| Average equity | $47,009,500 | 1,613 |
| Average total loans | $236,954,500 | 1,914 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 1,639 |
| Cost of funding earning assets | 0.1729% | 5,266 |
| Net interest margin | 4.2958% | 940 |
| Noninterest income to average assets | 1.2946% | 680 |
| Noninterest expense to average assets | 4.0955% | 533 |
| Loan and lease loss provision to assets | 0.2324% | 933 |
| Net operating income to assets | 0.6317% | 4,085 |
| Return on assets (ROA) | 0.6317% | 4,189 |
| Pretax return on assets | 0.9525% | 3,648 |
| Return on Equity (ROE) | 5.1212% | 4,366 |
| Retained earnings to average equity (ytd only) | 2.1711% | 4,297 |
| Net charge-offs to loans | 0.3872% | 694 |
| Credit loss provision to net charge-offs | 99.1041% | 2,626 |
| Earnings coverage of net charge-offs (x) | 5.0538% | 3,397 |
| Efficiency ratio | 77.5607% | 1,762 |
| Assets per employee ($millions) | 2.5610% | 5,635 |
| Cash dividends to net income (ytd only)* | 57.6060% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,875 |
| Loan loss allowance to noncurrent loans | 63.9517% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 1,525 |
| Noncurrent loans to loans | 1.6758% | 1,150 |
| Net loans and leases to total assets | 60.2096% | 3,824 |
| Net loans and leases to deposits | 68.8495% | 4,022 |
| Net loans and leases to core deposits | 71.6452% | 4,103 |
| Total domestic deposits to total assets | 87.4511% | 1,902 |
| Equity capital to assets | 12.1577% | 1,700 |
| Core capital (leverage) ratio | 12.4039% | 1,382 |
| Tier 1 risk-based capital ratio | 21.3453% | 1,155 |
| Total risk-based capital ratio | 22.4644% | 1,159 |
| Memoranda: | ||
| Average total assets | $380,883,400 | 1,760 |
| Average earning assets | $353,393,000 | 1,755 |
| Average equity | $46,981,600 | 1,609 |
| Average total loans | $230,646,000 | 1,901 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 1,645 |
| Cost of funding earning assets | 0.1761% | 5,297 |
| Net interest margin | 4.2908% | 946 |
| Noninterest income to average assets | 1.3140% | 674 |
| Noninterest expense to average assets | 3.9813% | 607 |
| Loan and lease loss provision to assets | 0.1362% | 1,725 |
| Net operating income to assets | 0.7771% | 3,473 |
| Return on assets (ROA) | 0.7771% | 3,616 |
| Pretax return on assets | 1.1736% | 2,953 |
| Return on Equity (ROE) | 6.2777% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.8631% | 2,917 |
| Net charge-offs to loans | 0.2357% | 996 |
| Credit loss provision to net charge-offs | 95.5774% | 2,449 |
| Earnings coverage of net charge-offs (x) | 9.1892% | 2,697 |
| Efficiency ratio | 75.2449% | 2,071 |
| Assets per employee ($millions) | 2.5781% | 5,689 |
| Cash dividends to net income (ytd only)* | 22.5327% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,928 |
| Loan loss allowance to noncurrent loans | 52.0580% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 1,504 |
| Noncurrent loans to loans | 2.0804% | 928 |
| Net loans and leases to total assets | 59.7440% | 3,911 |
| Net loans and leases to deposits | 68.8513% | 4,082 |
| Net loans and leases to core deposits | 71.7745% | 4,178 |
| Total domestic deposits to total assets | 86.7725% | 1,995 |
| Equity capital to assets | 12.7587% | 1,615 |
| Core capital (leverage) ratio | 12.8025% | 1,267 |
| Tier 1 risk-based capital ratio | 21.3283% | 1,219 |
| Total risk-based capital ratio | 22.4260% | 1,214 |
| Memoranda: | ||
| Average total assets | $380,705,500 | 1,763 |
| Average earning assets | $352,870,500 | 1,760 |
| Average equity | $47,128,750 | 1,609 |
| Average total loans | $230,246,000 | 1,906 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,680 |
| Cost of funding earning assets | 0.1774% | 5,349 |
| Net interest margin | 4.2715% | 982 |
| Noninterest income to average assets | 1.3350% | 640 |
| Noninterest expense to average assets | 4.0988% | 533 |
| Loan and lease loss provision to assets | 0.1658% | 1,353 |
| Net operating income to assets | 0.7234% | 3,682 |
| Return on assets (ROA) | 0.7234% | 3,837 |
| Pretax return on assets | 1.0360% | 3,457 |
| Return on Equity (ROE) | 5.9032% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.9032% | 2,176 |
| Net charge-offs to loans | 0.2419% | 973 |
| Credit loss provision to net charge-offs | 113.2616% | 1,934 |
| Earnings coverage of net charge-offs (x) | 8.2115% | 2,540 |
| Efficiency ratio | 77.3281% | 1,881 |
| Assets per employee ($millions) | 2.3863% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,827 |
| Loan loss allowance to noncurrent loans | 46.4528% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4656% | 1,320 |
| Noncurrent loans to loans | 2.4153% | 743 |
| Net loans and leases to total assets | 58.8574% | 4,027 |
| Net loans and leases to deposits | 67.7506% | 4,201 |
| Net loans and leases to core deposits | 70.7256% | 4,275 |
| Total domestic deposits to total assets | 86.8736% | 1,974 |
| Equity capital to assets | 12.6333% | 1,698 |
| Core capital (leverage) ratio | 12.4439% | 1,388 |
| Tier 1 risk-based capital ratio | 21.5762% | 1,187 |
| Total risk-based capital ratio | 22.7193% | 1,181 |
| Memoranda: | ||
| Average total assets | $381,280,000 | 1,756 |
| Average earning assets | $353,970,670 | 1,757 |
| Average equity | $46,720,670 | 1,623 |
| Average total loans | $230,695,330 | 1,905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,226 |
| Cost of funding earning assets | 0.1800% | 5,377 |
| Net interest margin | 4.0942% | 1,358 |
| Noninterest income to average assets | 1.4550% | 535 |
| Noninterest expense to average assets | 3.7746% | 805 |
| Loan and lease loss provision to assets | 0.2994% | 525 |
| Net operating income to assets | 0.7966% | 3,268 |
| Return on assets (ROA) | 0.7966% | 3,377 |
| Pretax return on assets | 1.1912% | 2,739 |
| Return on Equity (ROE) | 6.6010% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.6010% | 2,081 |
| Net charge-offs to loans | 0.4564% | 496 |
| Credit loss provision to net charge-offs | 107.5188% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.3534% | 2,334 |
| Efficiency ratio | 71.6899% | 2,843 |
| Assets per employee ($millions) | 2.4289% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 4,176 |
| Loan loss allowance to noncurrent loans | 50.0796% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 1,621 |
| Noncurrent loans to loans | 2.1537% | 964 |
| Net loans and leases to total assets | 59.4016% | 3,860 |
| Net loans and leases to deposits | 67.8504% | 4,077 |
| Net loans and leases to core deposits | 70.9096% | 4,166 |
| Total domestic deposits to total assets | 87.5480% | 1,900 |
| Equity capital to assets | 12.0488% | 1,995 |
| Core capital (leverage) ratio | 12.2749% | 1,445 |
| Tier 1 risk-based capital ratio | 21.9451% | 1,168 |
| Total risk-based capital ratio | 23.1151% | 1,165 |
| Memoranda: | ||
| Average total assets | $382,137,500 | 1,754 |
| Average earning assets | $355,629,000 | 1,751 |
| Average equity | $46,114,000 | 1,638 |
| Average total loans | $233,115,500 | 1,894 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,830 |
| Cost of funding earning assets | 0.1901% | 5,365 |
| Net interest margin | 4.2310% | 1,096 |
| Noninterest income to average assets | 1.6098% | 498 |
| Noninterest expense to average assets | 4.2462% | 519 |
| Loan and lease loss provision to assets | 0.2692% | 685 |
| Net operating income to assets | 0.5661% | 4,440 |
| Return on assets (ROA) | 0.5661% | 4,530 |
| Pretax return on assets | 0.9900% | 3,512 |
| Return on Equity (ROE) | 4.7281% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.6973% | 4,759 |
| Net charge-offs to loans | 0.4259% | 660 |
| Credit loss provision to net charge-offs | 105.8462% | 2,375 |
| Earnings coverage of net charge-offs (x) | 4.9508% | 3,463 |
| Efficiency ratio | 77.1276% | 2,099 |
| Assets per employee ($millions) | 2.3332% | 5,959 |
| Cash dividends to net income (ytd only)* | 64.1014% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 4,198 |
| Loan loss allowance to noncurrent loans | 57.9619% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 1,434 |
| Noncurrent loans to loans | 1.8500% | 1,164 |
| Net loans and leases to total assets | 61.3250% | 3,647 |
| Net loans and leases to deposits | 70.0736% | 3,917 |
| Net loans and leases to core deposits | 72.3154% | 4,103 |
| Total domestic deposits to total assets | 87.5151% | 1,875 |
| Equity capital to assets | 12.0866% | 1,892 |
| Core capital (leverage) ratio | 12.1794% | 1,515 |
| Tier 1 risk-based capital ratio | 20.7753% | 1,335 |
| Total risk-based capital ratio | 21.8921% | 1,335 |
| Memoranda: | ||
| Average total assets | $383,329,800 | 1,713 |
| Average earning assets | $352,941,000 | 1,712 |
| Average equity | $45,895,600 | 1,607 |
| Average total loans | $228,935,800 | 1,865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 1,883 |
| Cost of funding earning assets | 0.1911% | 5,451 |
| Net interest margin | 4.2229% | 1,117 |
| Noninterest income to average assets | 1.6304% | 478 |
| Noninterest expense to average assets | 4.1029% | 591 |
| Loan and lease loss provision to assets | 0.1367% | 1,636 |
| Net operating income to assets | 0.8458% | 3,189 |
| Return on assets (ROA) | 0.8458% | 3,276 |
| Pretax return on assets | 1.2681% | 2,522 |
| Return on Equity (ROE) | 7.0810% | 3,580 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,502 |
| Net charge-offs to loans | 0.2971% | 900 |
| Credit loss provision to net charge-offs | 77.7559% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.9901% | 2,854 |
| Efficiency ratio | 74.4942% | 2,470 |
| Assets per employee ($millions) | 2.3966% | 6,006 |
| Cash dividends to net income (ytd only)* | 20.4582% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 4,681 |
| Loan loss allowance to noncurrent loans | 51.0307% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 1,446 |
| Noncurrent loans to loans | 1.9832% | 1,171 |
| Net loans and leases to total assets | 59.7290% | 3,915 |
| Net loans and leases to deposits | 68.5010% | 4,142 |
| Net loans and leases to core deposits | 70.5322% | 4,320 |
| Total domestic deposits to total assets | 87.1944% | 1,938 |
| Equity capital to assets | 12.3489% | 1,833 |
| Core capital (leverage) ratio | 12.5410% | 1,388 |
| Tier 1 risk-based capital ratio | 21.2088% | 1,309 |
| Total risk-based capital ratio | 22.2453% | 1,315 |
| Memoranda: | ||
| Average total assets | $385,250,750 | 1,719 |
| Average earning assets | $353,710,500 | 1,715 |
| Average equity | $46,018,750 | 1,611 |
| Average total loans | $227,954,250 | 1,886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 1,899 |
| Cost of funding earning assets | 0.1916% | 5,513 |
| Net interest margin | 4.1947% | 1,118 |
| Noninterest income to average assets | 1.5456% | 538 |
| Noninterest expense to average assets | 3.9043% | 760 |
| Loan and lease loss provision to assets | 0.1091% | 2,010 |
| Net operating income to assets | 0.9228% | 2,769 |
| Return on assets (ROA) | 0.9228% | 2,893 |
| Pretax return on assets | 1.3821% | 2,060 |
| Return on Equity (ROE) | 7.8121% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.8121% | 1,340 |
| Net charge-offs to loans | 0.1117% | 1,884 |
| Credit loss provision to net charge-offs | 166.1417% | 1,433 |
| Earnings coverage of net charge-offs (x) | 22.7008% | 1,637 |
| Efficiency ratio | 72.3612% | 2,954 |
| Assets per employee ($millions) | 2.4476% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 4,374 |
| Loan loss allowance to noncurrent loans | 52.8144% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 1,531 |
| Noncurrent loans to loans | 2.0638% | 1,167 |
| Net loans and leases to total assets | 59.2269% | 3,943 |
| Net loans and leases to deposits | 67.5802% | 4,169 |
| Net loans and leases to core deposits | 69.3759% | 4,379 |
| Total domestic deposits to total assets | 87.6395% | 1,824 |
| Equity capital to assets | 11.9897% | 2,035 |
| Core capital (leverage) ratio | 12.1615% | 1,557 |
| Tier 1 risk-based capital ratio | 20.9958% | 1,364 |
| Total risk-based capital ratio | 22.1125% | 1,361 |
| Memoranda: | ||
| Average total assets | $386,647,330 | 1,723 |
| Average earning assets | $354,874,000 | 1,722 |
| Average equity | $45,672,670 | 1,631 |
| Average total loans | $227,295,330 | 1,902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 1,910 |
| Cost of funding earning assets | 0.1889% | 5,610 |
| Net interest margin | 4.1701% | 1,131 |
| Noninterest income to average assets | 1.5126% | 534 |
| Noninterest expense to average assets | 3.6254% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1598% | 1,665 |
| Return on assets (ROA) | 1.1598% | 1,772 |
| Pretax return on assets | 1.7247% | 1,002 |
| Return on Equity (ROE) | 9.8929% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.8929% | 952 |
| Net charge-offs to loans | 0.0728% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 40.6585% | 964 |
| Efficiency ratio | 67.7625% | 3,866 |
| Assets per employee ($millions) | 2.4749% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,788 |
| Loan loss allowance to noncurrent loans | 48.5923% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 1,632 |
| Noncurrent loans to loans | 2.1516% | 1,189 |
| Net loans and leases to total assets | 57.3412% | 4,044 |
| Net loans and leases to deposits | 65.1612% | 4,253 |
| Net loans and leases to core deposits | 67.2225% | 4,408 |
| Total domestic deposits to total assets | 87.9991% | 1,824 |
| Equity capital to assets | 11.6734% | 2,319 |
| Core capital (leverage) ratio | 12.3184% | 1,448 |
| Tier 1 risk-based capital ratio | 20.6695% | 1,487 |
| Total risk-based capital ratio | 21.7292% | 1,495 |
| Memoranda: | ||
| Average total assets | $386,609,500 | 1,724 |
| Average earning assets | $355,773,500 | 1,726 |
| Average equity | $45,325,500 | 1,643 |
| Average total loans | $225,159,000 | 1,910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,878 |
| Cost of funding earning assets | 0.2134% | 5,639 |
| Net interest margin | 4.2833% | 1,087 |
| Noninterest income to average assets | 1.6011% | 494 |
| Noninterest expense to average assets | 4.1518% | 633 |
| Loan and lease loss provision to assets | 0.0825% | 2,832 |
| Net operating income to assets | 0.9006% | 2,865 |
| Return on assets (ROA) | 0.9006% | 2,958 |
| Pretax return on assets | 1.2914% | 2,270 |
| Return on Equity (ROE) | 7.5598% | 3,341 |
| Retained earnings to average equity (ytd only) | 2.2952% | 4,602 |
| Net charge-offs to loans | -0.0174% | 5,671 |
| Credit loss provision to net charge-offs | -824.3243% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1358% | 2,647 |
| Assets per employee ($millions) | 2.3003% | 6,273 |
| Cash dividends to net income (ytd only)* | 69.6396% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,519 |
| Loan loss allowance to noncurrent loans | 86.4635% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 2,555 |
| Noncurrent loans to loans | 1.2777% | 2,320 |
| Net loans and leases to total assets | 57.8994% | 4,055 |
| Net loans and leases to deposits | 65.9125% | 4,338 |
| Net loans and leases to core deposits | 67.7741% | 4,529 |
| Total domestic deposits to total assets | 87.8428% | 1,852 |
| Equity capital to assets | 11.7768% | 2,193 |
| Core capital (leverage) ratio | 12.2703% | 1,461 |
| Tier 1 risk-based capital ratio | 21.1658% | 1,371 |
| Total risk-based capital ratio | 22.2966% | 1,364 |
| Memoranda: | ||
| Average total assets | $369,743,400 | 1,755 |
| Average earning assets | $338,782,800 | 1,766 |
| Average equity | $44,048,600 | 1,639 |
| Average total loans | $213,255,800 | 1,950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,942 |
| Cost of funding earning assets | 0.2162% | 5,705 |
| Net interest margin | 4.2657% | 1,119 |
| Noninterest income to average assets | 1.6252% | 490 |
| Noninterest expense to average assets | 3.8669% | 889 |
| Loan and lease loss provision to assets | 0.0446% | 3,505 |
| Net operating income to assets | 1.0761% | 2,129 |
| Return on assets (ROA) | 1.0761% | 2,197 |
| Pretax return on assets | 1.6179% | 1,270 |
| Return on Equity (ROE) | 9.0062% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.7018% | 3,285 |
| Net charge-offs to loans | -0.0921% | 6,111 |
| Credit loss provision to net charge-offs | -84.2466% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9331% | 3,521 |
| Assets per employee ($millions) | 2.1913% | 6,385 |
| Cash dividends to net income (ytd only)* | 47.7938% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 4,831 |
| Loan loss allowance to noncurrent loans | 93.6313% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 2,802 |
| Noncurrent loans to loans | 1.1554% | 2,748 |
| Net loans and leases to total assets | 58.4427% | 4,014 |
| Net loans and leases to deposits | 66.7702% | 4,255 |
| Net loans and leases to core deposits | 68.2752% | 4,483 |
| Total domestic deposits to total assets | 87.5280% | 2,021 |
| Equity capital to assets | 12.0102% | 2,048 |
| Core capital (leverage) ratio | 12.5910% | 1,356 |
| Tier 1 risk-based capital ratio | 21.4745% | 1,355 |
| Total risk-based capital ratio | 22.5745% | 1,358 |
| Memoranda: | ||
| Average total assets | $367,868,750 | 1,779 |
| Average earning assets | $336,689,250 | 1,790 |
| Average equity | $43,954,000 | 1,644 |
| Average total loans | $211,354,500 | 1,976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,992 |
| Cost of funding earning assets | 0.2193% | 5,750 |
| Net interest margin | 4.2314% | 1,179 |
| Noninterest income to average assets | 1.5954% | 496 |
| Noninterest expense to average assets | 3.7232% | 1,094 |
| Loan and lease loss provision to assets | 0.0523% | 3,256 |
| Net operating income to assets | 1.1214% | 1,856 |
| Return on assets (ROA) | 1.1214% | 1,931 |
| Pretax return on assets | 1.6990% | 1,024 |
| Return on Equity (ROE) | 9.4016% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.4016% | 856 |
| Net charge-offs to loans | 0.1111% | 2,550 |
| Credit loss provision to net charge-offs | 82.7586% | 2,299 |
| Earnings coverage of net charge-offs (x) | 27.7069% | 1,330 |
| Efficiency ratio | 68.0104% | 4,007 |
| Assets per employee ($millions) | 2.2382% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,374 |
| Loan loss allowance to noncurrent loans | 51.4229% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 2,191 |
| Noncurrent loans to loans | 1.9353% | 1,758 |
| Net loans and leases to total assets | 56.6661% | 4,163 |
| Net loans and leases to deposits | 65.0110% | 4,378 |
| Net loans and leases to core deposits | 66.8935% | 4,562 |
| Total domestic deposits to total assets | 87.1639% | 2,364 |
| Equity capital to assets | 12.4008% | 1,705 |
| Core capital (leverage) ratio | 12.6189% | 1,333 |
| Tier 1 risk-based capital ratio | 22.6139% | 1,167 |
| Total risk-based capital ratio | 23.6197% | 1,186 |
| Memoranda: | ||
| Average total assets | $367,049,330 | 1,788 |
| Average earning assets | $336,481,330 | 1,790 |
| Average equity | $43,779,670 | 1,642 |
| Average total loans | $208,874,000 | 1,987 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 2,054 |
| Cost of funding earning assets | 0.2216% | 5,839 |
| Net interest margin | 4.2005% | 1,218 |
| Noninterest income to average assets | 1.5547% | 494 |
| Noninterest expense to average assets | 3.6212% | 1,274 |
| Loan and lease loss provision to assets | 0.0771% | 2,599 |
| Net operating income to assets | 1.1528% | 1,618 |
| Return on assets (ROA) | 1.1528% | 1,689 |
| Pretax return on assets | 1.7079% | 962 |
| Return on Equity (ROE) | 9.8585% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.8585% | 1,003 |
| Net charge-offs to loans | 0.1666% | 1,722 |
| Credit loss provision to net charge-offs | 81.6092% | 1,886 |
| Earnings coverage of net charge-offs (x) | 18.8851% | 1,403 |
| Efficiency ratio | 66.9815% | 4,367 |
| Assets per employee ($millions) | 2.3856% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,507 |
| Loan loss allowance to noncurrent loans | 53.1801% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 2,419 |
| Noncurrent loans to loans | 1.8885% | 2,013 |
| Net loans and leases to total assets | 54.4482% | 4,359 |
| Net loans and leases to deposits | 61.9643% | 4,551 |
| Net loans and leases to core deposits | 64.6470% | 4,631 |
| Total domestic deposits to total assets | 87.8703% | 2,303 |
| Equity capital to assets | 11.6373% | 2,146 |
| Core capital (leverage) ratio | 12.5544% | 1,363 |
| Tier 1 risk-based capital ratio | 21.8479% | 1,316 |
| Total risk-based capital ratio | 22.8427% | 1,337 |
| Memoranda: | ||
| Average total assets | $368,162,500 | 1,787 |
| Average earning assets | $337,582,000 | 1,786 |
| Average equity | $43,049,000 | 1,649 |
| Average total loans | $208,906,500 | 1,982 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,513 |
| Cost of funding earning assets | 0.3245% | 5,385 |
| Net interest margin | 4.3968% | 915 |
| Noninterest income to average assets | 1.4644% | 652 |
| Noninterest expense to average assets | 4.1264% | 754 |
| Loan and lease loss provision to assets | 0.0179% | 4,772 |
| Net operating income to assets | 0.8980% | 2,798 |
| Return on assets (ROA) | 0.8980% | 2,883 |
| Pretax return on assets | 1.3457% | 1,984 |
| Return on Equity (ROE) | 7.6094% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.6139% | 2,205 |
| Net charge-offs to loans | 0.1637% | 3,174 |
| Credit loss provision to net charge-offs | 18.5185% | 4,472 |
| Earnings coverage of net charge-offs (x) | 14.1368% | 1,965 |
| Efficiency ratio | 75.1627% | 2,921 |
| Assets per employee ($millions) | 2.3038% | 6,521 |
| Cash dividends to net income (ytd only)* | 26.2240% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 5,587 |
| Loan loss allowance to noncurrent loans | 73.8213% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 3,008 |
| Noncurrent loans to loans | 1.3501% | 2,881 |
| Net loans and leases to total assets | 57.9866% | 4,033 |
| Net loans and leases to deposits | 66.1535% | 4,279 |
| Net loans and leases to core deposits | 69.3810% | 4,362 |
| Total domestic deposits to total assets | 87.6547% | 2,389 |
| Equity capital to assets | 11.7513% | 1,985 |
| Core capital (leverage) ratio | 12.2144% | 1,487 |
| Tier 1 risk-based capital ratio | 21.3376% | 1,362 |
| Total risk-based capital ratio | 22.3409% | 1,384 |
| Memoranda: | ||
| Average total assets | $363,903,400 | 1,782 |
| Average earning assets | $333,175,200 | 1,785 |
| Average equity | $42,946,600 | 1,633 |
| Average total loans | $214,474,800 | 1,898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 1,549 |
| Cost of funding earning assets | 0.3438% | 5,354 |
| Net interest margin | 4.3754% | 942 |
| Noninterest income to average assets | 1.4417% | 709 |
| Noninterest expense to average assets | 3.8133% | 1,066 |
| Loan and lease loss provision to assets | 0.0088% | 4,806 |
| Net operating income to assets | 1.0775% | 2,093 |
| Return on assets (ROA) | 1.0775% | 2,175 |
| Pretax return on assets | 1.6221% | 1,290 |
| Return on Equity (ROE) | 9.1206% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.1206% | 1,025 |
| Net charge-offs to loans | 0.1745% | 2,827 |
| Credit loss provision to net charge-offs | 8.5106% | 4,233 |
| Earnings coverage of net charge-offs (x) | 15.8333% | 1,836 |
| Efficiency ratio | 70.0436% | 3,753 |
| Assets per employee ($millions) | 2.4478% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,706 |
| Loan loss allowance to noncurrent loans | 41.8092% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 2,319 |
| Noncurrent loans to loans | 2.3945% | 1,831 |
| Net loans and leases to total assets | 56.8789% | 4,191 |
| Net loans and leases to deposits | 64.8824% | 4,422 |
| Net loans and leases to core deposits | 69.1816% | 4,412 |
| Total domestic deposits to total assets | 87.6645% | 2,315 |
| Equity capital to assets | 11.8239% | 2,030 |
| Core capital (leverage) ratio | 12.1667% | 1,580 |
| Tier 1 risk-based capital ratio | 21.4434% | 1,408 |
| Total risk-based capital ratio | 22.4520% | 1,424 |
| Memoranda: | ||
| Average total assets | $365,029,250 | 1,795 |
| Average earning assets | $333,917,500 | 1,790 |
| Average equity | $43,124,750 | 1,633 |
| Average total loans | $215,468,000 | 1,897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,472 |
| Cost of funding earning assets | 0.3735% | 5,198 |
| Net interest margin | 4.3620% | 915 |
| Noninterest income to average assets | 1.4058% | 798 |
| Noninterest expense to average assets | 3.7436% | 1,173 |
| Loan and lease loss provision to assets | 0.0088% | 4,685 |
| Net operating income to assets | 0.9541% | 2,547 |
| Return on assets (ROA) | 0.9541% | 2,697 |
| Pretax return on assets | 1.6440% | 1,242 |
| Return on Equity (ROE) | 8.0779% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.0779% | 1,454 |
| Net charge-offs to loans | 0.2337% | 2,323 |
| Credit loss provision to net charge-offs | 6.3241% | 3,937 |
| Earnings coverage of net charge-offs (x) | 11.8735% | 2,024 |
| Efficiency ratio | 69.3719% | 3,945 |
| Assets per employee ($millions) | 2.5804% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,834 |
| Loan loss allowance to noncurrent loans | 80.1718% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 3,484 |
| Noncurrent loans to loans | 1.2442% | 3,467 |
| Net loans and leases to total assets | 58.5662% | 3,895 |
| Net loans and leases to deposits | 66.6995% | 4,185 |
| Net loans and leases to core deposits | 69.4174% | 4,333 |
| Total domestic deposits to total assets | 87.8060% | 2,379 |
| Equity capital to assets | 11.7187% | 2,116 |
| Core capital (leverage) ratio | 12.0544% | 1,583 |
| Tier 1 risk-based capital ratio | 20.7767% | 1,549 |
| Total risk-based capital ratio | 21.7909% | 1,573 |
| Memoranda: | ||
| Average total assets | $363,500,000 | 1,805 |
| Average earning assets | $332,551,000 | 1,802 |
| Average equity | $42,932,000 | 1,646 |
| Average total loans | $216,504,000 | 1,889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 1,401 |
| Cost of funding earning assets | 0.3853% | 5,237 |
| Net interest margin | 4.3657% | 854 |
| Noninterest income to average assets | 1.3817% | 809 |
| Noninterest expense to average assets | 3.4855% | 1,649 |
| Loan and lease loss provision to assets | 0.0176% | 4,245 |
| Net operating income to assets | 1.2253% | 1,449 |
| Return on assets (ROA) | 1.2253% | 1,562 |
| Pretax return on assets | 1.8573% | 794 |
| Return on Equity (ROE) | 10.3344% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.3344% | 1,026 |
| Net charge-offs to loans | 0.1603% | 2,444 |
| Credit loss provision to net charge-offs | 18.3908% | 3,058 |
| Earnings coverage of net charge-offs (x) | 19.5747% | 1,215 |
| Efficiency ratio | 65.0236% | 4,817 |
| Assets per employee ($millions) | 2.6584% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,776 |
| Loan loss allowance to noncurrent loans | 85.2248% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 3,724 |
| Noncurrent loans to loans | 1.2378% | 3,707 |
| Net loans and leases to total assets | 57.8782% | 3,794 |
| Net loans and leases to deposits | 65.8103% | 4,081 |
| Net loans and leases to core deposits | 68.9415% | 4,189 |
| Total domestic deposits to total assets | 87.9471% | 2,351 |
| Equity capital to assets | 11.6034% | 2,328 |
| Core capital (leverage) ratio | 12.0793% | 1,520 |
| Tier 1 risk-based capital ratio | 20.0656% | 1,750 |
| Total risk-based capital ratio | 21.1374% | 1,771 |
| Memoranda: | ||
| Average total assets | $363,332,000 | 1,815 |
| Average earning assets | $331,128,000 | 1,830 |
| Average equity | $43,079,500 | 1,654 |
| Average total loans | $217,140,000 | 1,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 1,225 |
| Cost of funding earning assets | 0.4668% | 5,443 |
| Net interest margin | 4.6765% | 680 |
| Noninterest income to average assets | 1.5207% | 679 |
| Noninterest expense to average assets | 4.1220% | 839 |
| Loan and lease loss provision to assets | 0.2219% | 2,914 |
| Net operating income to assets | 0.9494% | 2,551 |
| Return on assets (ROA) | 0.9500% | 2,798 |
| Pretax return on assets | 1.4493% | 1,856 |
| Return on Equity (ROE) | 7.4759% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.6405% | 2,953 |
| Net charge-offs to loans | 0.3903% | 2,691 |
| Credit loss provision to net charge-offs | 86.8390% | 3,597 |
| Earnings coverage of net charge-offs (x) | 6.5370% | 2,799 |
| Efficiency ratio | 71.1642% | 3,595 |
| Assets per employee ($millions) | 2.4953% | 6,618 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,522 |
| Loan loss allowance to noncurrent loans | 87.1027% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 3,687 |
| Noncurrent loans to loans | 1.2729% | 3,710 |
| Net loans and leases to total assets | 60.4370% | 3,527 |
| Net loans and leases to deposits | 69.2375% | 3,803 |
| Net loans and leases to core deposits | 73.2114% | 3,889 |
| Total domestic deposits to total assets | 87.2895% | 2,651 |
| Equity capital to assets | 12.1267% | 1,960 |
| Core capital (leverage) ratio | 12.3071% | 1,397 |
| Tier 1 risk-based capital ratio | 20.2875% | 1,612 |
| Total risk-based capital ratio | 21.4338% | 1,607 |
| Memoranda: | ||
| Average total assets | $333,062,600 | 1,934 |
| Average earning assets | $304,223,000 | 1,945 |
| Average equity | $42,322,600 | 1,646 |
| Average total loans | $218,063,000 | 1,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 1,141 |
| Cost of funding earning assets | 0.4749% | 5,594 |
| Net interest margin | 4.7518% | 605 |
| Noninterest income to average assets | 1.5267% | 636 |
| Noninterest expense to average assets | 3.8184% | 1,174 |
| Loan and lease loss provision to assets | 0.0674% | 4,842 |
| Net operating income to assets | 1.3131% | 1,409 |
| Return on assets (ROA) | 1.3131% | 1,550 |
| Pretax return on assets | 1.9798% | 730 |
| Return on Equity (ROE) | 10.2089% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.2618% | 1,134 |
| Net charge-offs to loans | 0.0292% | 5,251 |
| Credit loss provision to net charge-offs | 345.8333% | 777 |
| Earnings coverage of net charge-offs (x) | 105.0391% | 401 |
| Efficiency ratio | 65.0976% | 4,613 |
| Assets per employee ($millions) | 2.3704% | 6,808 |
| Cash dividends to net income (ytd only)* | 9.2764% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,356 |
| Loan loss allowance to noncurrent loans | 55.9144% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 3,421 |
| Noncurrent loans to loans | 2.1167% | 2,709 |
| Net loans and leases to total assets | 65.3004% | 2,780 |
| Net loans and leases to deposits | 75.4973% | 3,058 |
| Net loans and leases to core deposits | 80.1646% | 3,187 |
| Total domestic deposits to total assets | 86.4937% | 2,984 |
| Equity capital to assets | 13.0685% | 1,562 |
| Core capital (leverage) ratio | 13.0824% | 1,155 |
| Tier 1 risk-based capital ratio | 20.9470% | 1,538 |
| Total risk-based capital ratio | 22.1972% | 1,503 |
| Memoranda: | ||
| Average total assets | $328,369,750 | 1,976 |
| Average earning assets | $299,835,250 | 1,991 |
| Average equity | $42,236,750 | 1,664 |
| Average total loans | $218,823,250 | 1,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 1,250 |
| Cost of funding earning assets | 0.4826% | 5,739 |
| Net interest margin | 4.7178% | 648 |
| Noninterest income to average assets | 1.5998% | 582 |
| Noninterest expense to average assets | 3.7982% | 1,219 |
| Loan and lease loss provision to assets | -0.0135% | 7,032 |
| Net operating income to assets | 1.4062% | 1,182 |
| Return on assets (ROA) | 1.4062% | 1,317 |
| Pretax return on assets | 2.1218% | 560 |
| Return on Equity (ROE) | 10.9923% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.9923% | 747 |
| Net charge-offs to loans | 0.0559% | 4,634 |
| Credit loss provision to net charge-offs | -36.0656% | 5,977 |
| Earnings coverage of net charge-offs (x) | 56.4098% | 668 |
| Efficiency ratio | 64.3050% | 4,839 |
| Assets per employee ($millions) | 2.3630% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,798 |
| Loan loss allowance to noncurrent loans | 50.9825% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 3,527 |
| Noncurrent loans to loans | 2.1469% | 2,769 |
| Net loans and leases to total assets | 65.4404% | 2,780 |
| Net loans and leases to deposits | 75.4177% | 3,060 |
| Net loans and leases to core deposits | 80.6627% | 3,129 |
| Total domestic deposits to total assets | 86.7706% | 2,910 |
| Equity capital to assets | 12.8947% | 1,569 |
| Core capital (leverage) ratio | 12.9732% | 1,158 |
| Tier 1 risk-based capital ratio | 20.3537% | 1,625 |
| Total risk-based capital ratio | 21.5087% | 1,613 |
| Memoranda: | ||
| Average total assets | $326,418,670 | 1,986 |
| Average earning assets | $297,975,000 | 1,996 |
| Average equity | $41,756,330 | 1,676 |
| Average total loans | $218,143,330 | 1,869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 1,517 |
| Cost of funding earning assets | 0.4871% | 5,887 |
| Net interest margin | 4.6368% | 768 |
| Noninterest income to average assets | 1.5924% | 569 |
| Noninterest expense to average assets | 3.5167% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5565% | 929 |
| Return on assets (ROA) | 1.5565% | 1,038 |
| Pretax return on assets | 2.3428% | 425 |
| Return on Equity (ROE) | 12.2180% | 1,609 |
| Retained earnings to average equity (ytd only) | 12.2180% | 795 |
| Net charge-offs to loans | 0.0166% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 210.2222% | 171 |
| Efficiency ratio | 60.0169% | 5,607 |
| Assets per employee ($millions) | 2.3305% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,755 |
| Loan loss allowance to noncurrent loans | 51.3949% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 3,541 |
| Noncurrent loans to loans | 2.2177% | 2,903 |
| Net loans and leases to total assets | 65.6448% | 2,535 |
| Net loans and leases to deposits | 75.6192% | 2,857 |
| Net loans and leases to core deposits | 81.0795% | 2,940 |
| Total domestic deposits to total assets | 86.8097% | 3,061 |
| Equity capital to assets | 12.7207% | 1,586 |
| Core capital (leverage) ratio | 13.0201% | 1,121 |
| Tier 1 risk-based capital ratio | 20.5274% | 1,583 |
| Total risk-based capital ratio | 21.7580% | 1,562 |
| Memoranda: | ||
| Average total assets | $323,033,000 | 2,012 |
| Average earning assets | $297,271,500 | 1,997 |
| Average equity | $41,152,500 | 1,689 |
| Average total loans | $216,988,000 | 1,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 1,156 |
| Cost of funding earning assets | 0.6222% | 5,979 |
| Net interest margin | 4.8857% | 525 |
| Noninterest income to average assets | 1.5896% | 535 |
| Noninterest expense to average assets | 4.3827% | 662 |
| Loan and lease loss provision to assets | 0.1151% | 5,160 |
| Net operating income to assets | 0.9976% | 2,206 |
| Return on assets (ROA) | 0.9976% | 2,351 |
| Pretax return on assets | 1.5014% | 1,464 |
| Return on Equity (ROE) | 7.5871% | 3,108 |
| Retained earnings to average equity (ytd only) | 3.8472% | 3,473 |
| Net charge-offs to loans | 0.1916% | 4,610 |
| Credit loss provision to net charge-offs | 86.4532% | 4,183 |
| Earnings coverage of net charge-offs (x) | 12.1453% | 1,649 |
| Efficiency ratio | 73.0546% | 3,385 |
| Assets per employee ($millions) | 2.2515% | 7,049 |
| Cash dividends to net income (ytd only)* | 49.2935% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,594 |
| Loan loss allowance to noncurrent loans | 52.9150% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 3,602 |
| Noncurrent loans to loans | 2.1861% | 2,968 |
| Net loans and leases to total assets | 67.1834% | 2,542 |
| Net loans and leases to deposits | 77.4413% | 2,929 |
| Net loans and leases to core deposits | 84.1299% | 2,875 |
| Total domestic deposits to total assets | 86.7540% | 2,897 |
| Equity capital to assets | 12.7587% | 1,621 |
| Core capital (leverage) ratio | 12.6588% | 1,285 |
| Tier 1 risk-based capital ratio | 20.3059% | 1,567 |
| Total risk-based capital ratio | 21.5552% | 1,547 |
| Memoranda: | ||
| Average total assets | $305,042,800 | 2,099 |
| Average earning assets | $275,312,400 | 2,133 |
| Average equity | $40,107,400 | 1,683 |
| Average total loans | $211,932,600 | 1,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5907% | 1,050 |
| Cost of funding earning assets | 0.6520% | 6,022 |
| Net interest margin | 4.9387% | 468 |
| Noninterest income to average assets | 1.5654% | 538 |
| Noninterest expense to average assets | 4.1562% | 833 |
| Loan and lease loss provision to assets | 0.0963% | 5,254 |
| Net operating income to assets | 1.1578% | 1,787 |
| Return on assets (ROA) | 1.1578% | 1,900 |
| Pretax return on assets | 1.7517% | 1,039 |
| Return on Equity (ROE) | 8.7380% | 2,717 |
| Retained earnings to average equity (ytd only) | 6.7384% | 2,116 |
| Net charge-offs to loans | 0.1902% | 4,272 |
| Credit loss provision to net charge-offs | 72.4252% | 4,403 |
| Earnings coverage of net charge-offs (x) | 13.9038% | 1,574 |
| Efficiency ratio | 69.2212% | 4,090 |
| Assets per employee ($millions) | 2.2176% | 7,137 |
| Cash dividends to net income (ytd only)* | 22.8833% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,649 |
| Loan loss allowance to noncurrent loans | 92.9217% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,599 |
| Noncurrent loans to loans | 1.2450% | 4,459 |
| Net loans and leases to total assets | 67.4400% | 2,588 |
| Net loans and leases to deposits | 78.0888% | 2,965 |
| Net loans and leases to core deposits | 84.3243% | 3,016 |
| Total domestic deposits to total assets | 86.3632% | 3,005 |
| Equity capital to assets | 13.1286% | 1,547 |
| Core capital (leverage) ratio | 13.2380% | 1,132 |
| Tier 1 risk-based capital ratio | 20.7764% | 1,504 |
| Total risk-based capital ratio | 22.0183% | 1,477 |
| Memoranda: | ||
| Average total assets | $301,938,250 | 2,130 |
| Average earning assets | $271,374,500 | 2,162 |
| Average equity | $40,008,250 | 1,681 |
| Average total loans | $210,971,500 | 1,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 1,074 |
| Cost of funding earning assets | 0.6619% | 6,163 |
| Net interest margin | 4.9357% | 448 |
| Noninterest income to average assets | 1.5270% | 546 |
| Noninterest expense to average assets | 3.9717% | 1,093 |
| Loan and lease loss provision to assets | 0.0282% | 5,952 |
| Net operating income to assets | 1.2911% | 1,343 |
| Return on assets (ROA) | 1.2911% | 1,414 |
| Pretax return on assets | 1.9560% | 638 |
| Return on Equity (ROE) | 9.7123% | 2,230 |
| Retained earnings to average equity (ytd only) | 8.1995% | 1,385 |
| Net charge-offs to loans | 0.0761% | 4,880 |
| Credit loss provision to net charge-offs | 52.5000% | 4,522 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 786 |
| Efficiency ratio | 66.6854% | 4,747 |
| Assets per employee ($millions) | 2.1311% | 7,222 |
| Cash dividends to net income (ytd only)* | 15.5763% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,556 |
| Loan loss allowance to noncurrent loans | 123.1863% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 5,092 |
| Noncurrent loans to loans | 0.9718% | 5,043 |
| Net loans and leases to total assets | 69.0220% | 2,410 |
| Net loans and leases to deposits | 80.1646% | 2,760 |
| Net loans and leases to core deposits | 85.2456% | 3,040 |
| Total domestic deposits to total assets | 86.1004% | 3,268 |
| Equity capital to assets | 13.4813% | 1,307 |
| Core capital (leverage) ratio | 13.5048% | 992 |
| Tier 1 risk-based capital ratio | 21.4023% | 1,345 |
| Total risk-based capital ratio | 22.6532% | 1,325 |
| Memoranda: | ||
| Average total assets | $298,359,330 | 2,158 |
| Average earning assets | $267,725,000 | 2,198 |
| Average equity | $39,661,000 | 1,685 |
| Average total loans | $210,183,330 | 1,993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 1,151 |
| Cost of funding earning assets | 0.6604% | 6,345 |
| Net interest margin | 4.9007% | 465 |
| Noninterest income to average assets | 1.4625% | 599 |
| Noninterest expense to average assets | 3.6785% | 1,577 |
| Loan and lease loss provision to assets | 0.0309% | 5,582 |
| Net operating income to assets | 1.4343% | 1,009 |
| Return on assets (ROA) | 1.4343% | 1,046 |
| Pretax return on assets | 2.1460% | 437 |
| Return on Equity (ROE) | 10.8674% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.8674% | 925 |
| Net charge-offs to loans | 0.0628% | 4,301 |
| Credit loss provision to net charge-offs | 69.6970% | 3,358 |
| Earnings coverage of net charge-offs (x) | 49.0303% | 588 |
| Efficiency ratio | 62.8217% | 5,552 |
| Assets per employee ($millions) | 2.1254% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 5,559 |
| Loan loss allowance to noncurrent loans | 166.7323% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,514 |
| Noncurrent loans to loans | 0.7288% | 5,551 |
| Net loans and leases to total assets | 68.9340% | 2,342 |
| Net loans and leases to deposits | 79.8388% | 2,747 |
| Net loans and leases to core deposits | 84.8931% | 3,048 |
| Total domestic deposits to total assets | 86.3415% | 3,315 |
| Equity capital to assets | 13.2657% | 1,275 |
| Core capital (leverage) ratio | 13.5197% | 961 |
| Tier 1 risk-based capital ratio | 20.9950% | 1,396 |
| Total risk-based capital ratio | 22.2462% | 1,371 |
| Memoranda: | ||
| Average total assets | $297,293,500 | 2,180 |
| Average earning assets | $266,493,000 | 2,223 |
| Average equity | $39,236,500 | 1,692 |
| Average total loans | $210,316,000 | 2,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0805% | 726 |
| Cost of funding earning assets | 0.7689% | 6,682 |
| Net interest margin | 5.3115% | 239 |
| Noninterest income to average assets | 1.8649% | 446 |
| Noninterest expense to average assets | 4.8068% | 492 |
| Loan and lease loss provision to assets | 0.3037% | 4,377 |
| Net operating income to assets | 0.9997% | 2,042 |
| Return on assets (ROA) | 0.9997% | 2,142 |
| Pretax return on assets | 1.5069% | 1,354 |
| Return on Equity (ROE) | 7.0560% | 3,089 |
| Retained earnings to average equity (ytd only) | 3.4944% | 3,422 |
| Net charge-offs to loans | 0.2464% | 4,814 |
| Credit loss provision to net charge-offs | 159.8456% | 2,186 |
| Earnings coverage of net charge-offs (x) | 9.5309% | 1,812 |
| Efficiency ratio | 72.6391% | 3,672 |
| Assets per employee ($millions) | 2.0916% | 7,378 |
| Cash dividends to net income (ytd only)* | 50.4769% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,484 |
| Loan loss allowance to noncurrent loans | 153.3975% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 5,558 |
| Noncurrent loans to loans | 0.7862% | 5,468 |
| Net loans and leases to total assets | 70.8557% | 2,341 |
| Net loans and leases to deposits | 82.0253% | 2,799 |
| Net loans and leases to core deposits | 86.3583% | 3,272 |
| Total domestic deposits to total assets | 86.3827% | 3,147 |
| Equity capital to assets | 13.1290% | 1,331 |
| Core capital (leverage) ratio | 13.3170% | 1,021 |
| Tier 1 risk-based capital ratio | 20.1225% | 1,466 |
| Total risk-based capital ratio | 21.3735% | 1,432 |
| Memoranda: | ||
| Average total assets | $272,674,800 | 2,340 |
| Average earning assets | $243,977,800 | 2,395 |
| Average equity | $38,633,600 | 1,715 |
| Average total loans | $210,220,800 | 2,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 605 |
| Cost of funding earning assets | 0.7976% | 6,775 |
| Net interest margin | 5.4134% | 199 |
| Noninterest income to average assets | 2.0061% | 377 |
| Noninterest expense to average assets | 4.6106% | 530 |
| Loan and lease loss provision to assets | 0.3983% | 3,519 |
| Net operating income to assets | 1.2099% | 1,569 |
| Return on assets (ROA) | 1.2099% | 1,651 |
| Pretax return on assets | 1.8279% | 879 |
| Return on Equity (ROE) | 8.3702% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.6796% | 1,525 |
| Net charge-offs to loans | 0.2623% | 4,376 |
| Credit loss provision to net charge-offs | 193.2203% | 1,850 |
| Earnings coverage of net charge-offs (x) | 10.7991% | 1,850 |
| Efficiency ratio | 67.4381% | 4,573 |
| Assets per employee ($millions) | 1.9921% | 7,521 |
| Cash dividends to net income (ytd only)* | 8.2508% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 5,273 |
| Loan loss allowance to noncurrent loans | 170.9635% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 5,645 |
| Noncurrent loans to loans | 0.7273% | 5,749 |
| Net loans and leases to total assets | 74.2528% | 1,747 |
| Net loans and leases to deposits | 86.8865% | 2,165 |
| Net loans and leases to core deposits | 88.5062% | 3,311 |
| Total domestic deposits to total assets | 85.4596% | 3,373 |
| Equity capital to assets | 14.0993% | 1,137 |
| Core capital (leverage) ratio | 14.3317% | 851 |
| Tier 1 risk-based capital ratio | 20.5951% | 1,425 |
| Total risk-based capital ratio | 21.8482% | 1,408 |
| Memoranda: | ||
| Average total assets | $267,115,500 | 2,423 |
| Average earning assets | $238,367,250 | 2,481 |
| Average equity | $38,612,250 | 1,726 |
| Average total loans | $209,897,750 | 2,102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 602 |
| Cost of funding earning assets | 0.7977% | 6,920 |
| Net interest margin | 5.4179% | 190 |
| Noninterest income to average assets | 2.1697% | 315 |
| Noninterest expense to average assets | 4.5276% | 551 |
| Loan and lease loss provision to assets | 0.5241% | 2,693 |
| Net operating income to assets | 1.3142% | 1,270 |
| Return on assets (ROA) | 1.3142% | 1,341 |
| Pretax return on assets | 1.9869% | 614 |
| Return on Equity (ROE) | 9.0121% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.0121% | 1,103 |
| Net charge-offs to loans | 0.2626% | 4,024 |
| Credit loss provision to net charge-offs | 250.1818% | 1,521 |
| Earnings coverage of net charge-offs (x) | 11.9855% | 1,711 |
| Efficiency ratio | 64.3251% | 5,273 |
| Assets per employee ($millions) | 1.9150% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 5,127 |
| Loan loss allowance to noncurrent loans | 151.7439% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 5,312 |
| Noncurrent loans to loans | 0.8308% | 5,621 |
| Net loans and leases to total assets | 76.9834% | 1,293 |
| Net loans and leases to deposits | 90.3807% | 1,794 |
| Net loans and leases to core deposits | 99.9899% | 2,013 |
| Total domestic deposits to total assets | 85.1768% | 3,531 |
| Equity capital to assets | 14.4840% | 1,016 |
| Core capital (leverage) ratio | 14.5006% | 819 |
| Tier 1 risk-based capital ratio | 20.5314% | 1,426 |
| Total risk-based capital ratio | 21.7830% | 1,395 |
| Memoranda: | ||
| Average total assets | $262,523,000 | 2,486 |
| Average earning assets | $235,922,670 | 2,533 |
| Average equity | $38,281,670 | 1,738 |
| Average total loans | $209,464,670 | 2,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2492% | 579 |
| Cost of funding earning assets | 0.7960% | 7,103 |
| Net interest margin | 5.4532% | 195 |
| Noninterest income to average assets | 2.1269% | 315 |
| Noninterest expense to average assets | 4.3048% | 717 |
| Loan and lease loss provision to assets | 0.5333% | 2,370 |
| Net operating income to assets | 1.4545% | 975 |
| Return on assets (ROA) | 1.4545% | 1,049 |
| Pretax return on assets | 2.1918% | 427 |
| Return on Equity (ROE) | 9.9397% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.9397% | 1,152 |
| Net charge-offs to loans | 0.4097% | 2,815 |
| Credit loss provision to net charge-offs | 161.2150% | 2,240 |
| Earnings coverage of net charge-offs (x) | 8.2383% | 1,978 |
| Efficiency ratio | 61.2357% | 5,957 |
| Assets per employee ($millions) | 1.8748% | 7,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,919 |
| Loan loss allowance to noncurrent loans | 82.1899% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 4,588 |
| Noncurrent loans to loans | 1.3618% | 4,702 |
| Net loans and leases to total assets | 79.2733% | 937 |
| Net loans and leases to deposits | 93.1302% | 1,460 |
| Net loans and leases to core deposits | 94.4426% | 2,778 |
| Total domestic deposits to total assets | 85.1210% | 3,601 |
| Equity capital to assets | 14.5011% | 1,000 |
| Core capital (leverage) ratio | 14.8264% | 786 |
| Tier 1 risk-based capital ratio | 19.9623% | 1,530 |
| Total risk-based capital ratio | 21.1995% | 1,502 |
| Memoranda: | ||
| Average total assets | $258,780,000 | 2,571 |
| Average earning assets | $232,671,000 | 2,616 |
| Average equity | $37,868,500 | 1,778 |
| Average total loans | $208,939,000 | 2,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3997% | 832 |
| Cost of funding earning assets | 0.9096% | 7,387 |
| Net interest margin | 5.4901% | 188 |
| Noninterest income to average assets | 2.3564% | 298 |
| Noninterest expense to average assets | 4.9254% | 552 |
| Loan and lease loss provision to assets | 0.2023% | 5,722 |
| Net operating income to assets | 1.4508% | 759 |
| Return on assets (ROA) | 1.4508% | 821 |
| Pretax return on assets | 2.1740% | 292 |
| Return on Equity (ROE) | 9.9955% | 1,691 |
| Retained earnings to average equity (ytd only) | 6.4364% | 1,174 |
| Net charge-offs to loans | 0.1545% | 5,723 |
| Credit loss provision to net charge-offs | 166.8852% | 2,590 |
| Earnings coverage of net charge-offs (x) | 19.6066% | 1,073 |
| Efficiency ratio | 67.4558% | 5,105 |
| Assets per employee ($millions) | 1.7959% | 7,825 |
| Cash dividends to net income (ytd only)* | 35.6067% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,954 |
| Loan loss allowance to noncurrent loans | 105.4092% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 5,105 |
| Noncurrent loans to loans | 1.0323% | 5,253 |
| Net loans and leases to total assets | 80.4494% | 913 |
| Net loans and leases to deposits | 94.8733% | 1,480 |
| Net loans and leases to core deposits | 103.0911% | 3,677 |
| Total domestic deposits to total assets | 84.7967% | 3,654 |
| Equity capital to assets | 14.7716% | 958 |
| Core capital (leverage) ratio | 14.6181% | 856 |
| Tier 1 risk-based capital ratio | 20.0490% | 1,454 |
| Total risk-based capital ratio | 21.2524% | 1,426 |
| Memoranda: | ||
| Average total assets | $251,656,800 | 2,589 |
| Average earning assets | $226,682,600 | 2,630 |
| Average equity | $36,526,400 | 1,843 |
| Average total loans | $197,406,800 | 2,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3564% | 1,015 |
| Cost of funding earning assets | 0.9217% | 7,522 |
| Net interest margin | 5.4347% | 199 |
| Noninterest income to average assets | 2.3613% | 288 |
| Noninterest expense to average assets | 4.6239% | 649 |
| Loan and lease loss provision to assets | 0.2000% | 5,387 |
| Net operating income to assets | 1.6041% | 663 |
| Return on assets (ROA) | 1.6041% | 712 |
| Pretax return on assets | 2.4372% | 215 |
| Return on Equity (ROE) | 11.1014% | 1,595 |
| Retained earnings to average equity (ytd only) | 9.6324% | 700 |
| Net charge-offs to loans | 0.1598% | 5,109 |
| Credit loss provision to net charge-offs | 161.1111% | 2,939 |
| Earnings coverage of net charge-offs (x) | 21.2395% | 1,209 |
| Efficiency ratio | 63.6802% | 5,814 |
| Assets per employee ($millions) | 1.7985% | 7,897 |
| Cash dividends to net income (ytd only)* | 13.2319% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,848 |
| Loan loss allowance to noncurrent loans | 168.3398% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,775 |
| Noncurrent loans to loans | 0.6407% | 6,015 |
| Net loans and leases to total assets | 78.8409% | 1,414 |
| Net loans and leases to deposits | 93.1438% | 2,036 |
| Net loans and leases to core deposits | 101.4013% | 4,223 |
| Total domestic deposits to total assets | 84.6443% | 3,408 |
| Equity capital to assets | 14.8592% | 1,046 |
| Core capital (leverage) ratio | 14.8317% | 890 |
| Tier 1 risk-based capital ratio | 20.5106% | 1,453 |
| Total risk-based capital ratio | 21.6996% | 1,425 |
| Memoranda: | ||
| Average total assets | $251,267,250 | 2,612 |
| Average earning assets | $226,537,000 | 2,652 |
| Average equity | $36,307,000 | 1,873 |
| Average total loans | $195,270,750 | 2,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2651% | 1,297 |
| Cost of funding earning assets | 0.9289% | 7,657 |
| Net interest margin | 5.3361% | 233 |
| Noninterest income to average assets | 2.3306% | 290 |
| Noninterest expense to average assets | 4.4912% | 785 |
| Loan and lease loss provision to assets | 0.1860% | 5,166 |
| Net operating income to assets | 1.6400% | 633 |
| Return on assets (ROA) | 1.6400% | 697 |
| Pretax return on assets | 2.4783% | 223 |
| Return on Equity (ROE) | 11.4593% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.2277% | 887 |
| Net charge-offs to loans | 0.2052% | 4,240 |
| Credit loss provision to net charge-offs | 117.6768% | 3,947 |
| Earnings coverage of net charge-offs (x) | 16.8535% | 1,515 |
| Efficiency ratio | 62.7650% | 6,127 |
| Assets per employee ($millions) | 1.7868% | 7,979 |
| Cash dividends to net income (ytd only)* | 19.4742% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,020 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 3,606 |
| Noncurrent loans to loans | 1.9133% | 3,651 |
| Net loans and leases to total assets | 79.0026% | 1,520 |
| Net loans and leases to deposits | 92.9538% | 2,283 |
| Net loans and leases to core deposits | 101.1315% | 4,387 |
| Total domestic deposits to total assets | 84.9912% | 3,263 |
| Equity capital to assets | 14.5802% | 1,147 |
| Core capital (leverage) ratio | 14.4281% | 1,039 |
| Tier 1 risk-based capital ratio | 19.9010% | 1,602 |
| Total risk-based capital ratio | 21.0265% | 1,575 |
| Memoranda: | ||
| Average total assets | $250,492,000 | 2,628 |
| Average earning assets | $226,493,000 | 2,674 |
| Average equity | $35,848,670 | 1,899 |
| Average total loans | $192,989,330 | 2,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2394% | 1,481 |
| Cost of funding earning assets | 0.9544% | 7,746 |
| Net interest margin | 5.2850% | 237 |
| Noninterest income to average assets | 2.3062% | 280 |
| Noninterest expense to average assets | 4.5114% | 700 |
| Loan and lease loss provision to assets | 0.3091% | 3,487 |
| Net operating income to assets | 1.4398% | 1,060 |
| Return on assets (ROA) | 1.4398% | 1,140 |
| Pretax return on assets | 2.2389% | 403 |
| Return on Equity (ROE) | 10.1565% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.8970% | 1,852 |
| Net charge-offs to loans | 0.4700% | 2,271 |
| Credit loss provision to net charge-offs | 86.9369% | 4,067 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,383 |
| Efficiency ratio | 63.9065% | 5,708 |
| Assets per employee ($millions) | 1.8004% | 8,017 |
| Cash dividends to net income (ytd only)* | 22.2469% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,738 |
| Loan loss allowance to noncurrent loans | 74.7858% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2484% | 4,186 |
| Noncurrent loans to loans | 1.4202% | 4,179 |
| Net loans and leases to total assets | 73.6823% | 2,838 |
| Net loans and leases to deposits | 86.2097% | 3,592 |
| Net loans and leases to core deposits | 93.2437% | 5,234 |
| Total domestic deposits to total assets | 85.4687% | 2,982 |
| Equity capital to assets | 14.0960% | 1,333 |
| Core capital (leverage) ratio | 14.3796% | 1,110 |
| Tier 1 risk-based capital ratio | 19.5898% | 1,700 |
| Total risk-based capital ratio | 20.6917% | 1,675 |
| Memoranda: | ||
| Average total assets | $249,765,500 | 2,647 |
| Average earning assets | $224,636,000 | 2,711 |
| Average equity | $35,406,000 | 1,932 |
| Average total loans | $188,926,500 | 2,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9412% | 1,279 |
| Cost of funding earning assets | 1.3667% | 7,783 |
| Net interest margin | 5.5745% | 186 |
| Noninterest income to average assets | 2.5082% | 252 |
| Noninterest expense to average assets | 5.0160% | 617 |
| Loan and lease loss provision to assets | 0.2482% | 4,433 |
| Net operating income to assets | 1.5040% | 1,011 |
| Return on assets (ROA) | 1.5040% | 974 |
| Pretax return on assets | 2.2608% | 343 |
| Return on Equity (ROE) | 9.9672% | 2,272 |
| Retained earnings to average equity (ytd only) | -1.8160% | 5,820 |
| Net charge-offs to loans | 0.2307% | 3,933 |
| Credit loss provision to net charge-offs | 141.5459% | 3,745 |
| Earnings coverage of net charge-offs (x) | 14.3092% | 2,044 |
| Efficiency ratio | 66.6573% | 4,991 |
| Assets per employee ($millions) | 1.7424% | 8,075 |
| Cash dividends to net income (ytd only)* | 118.2202% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,423 |
| Loan loss allowance to noncurrent loans | 95.1869% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 4,528 |
| Noncurrent loans to loans | 1.1335% | 4,278 |
| Net loans and leases to total assets | 76.0195% | 2,617 |
| Net loans and leases to deposits | 89.2527% | 3,588 |
| Net loans and leases to core deposits | 97.1363% | 5,138 |
| Total domestic deposits to total assets | 85.1733% | 2,767 |
| Equity capital to assets | 14.2580% | 1,362 |
| Core capital (leverage) ratio | 14.4539% | 1,152 |
| Tier 1 risk-based capital ratio | 19.6354% | 1,677 |
| Total risk-based capital ratio | 20.7797% | 1,658 |
| Memoranda: | ||
| Average total assets | $236,106,400 | 2,689 |
| Average earning assets | $212,486,400 | 2,745 |
| Average equity | $35,626,800 | 1,891 |
| Average total loans | $179,458,000 | 2,505 |