Home > Highland Bank > Performance and Condition Ratios
Highland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 1,149 |
| Cost of funding earning assets | 1.7188% | 1,410 |
| Net interest margin | 3.7883% | 1,580 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.0857% | 982 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6469% | 3,316 |
| Return on assets (ROA) | 0.5866% | 3,466 |
| Pretax return on assets | 0.7008% | 3,434 |
| Return on Equity (ROE) | 9.4700% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.9175% | 1,566 |
| Net charge-offs to loans | -0.0035% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.4080% | 1,036 |
| Assets per employee ($millions) | 6.8757% | 2,151 |
| Cash dividends to net income (ytd only)* | 16.3541% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 751 |
| Loan loss allowance to noncurrent loans | 3,502.6923% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,420 |
| Noncurrent loans to loans | 0.0472% | 3,384 |
| Net loans and leases to total assets | 69.0600% | 1,915 |
| Net loans and leases to deposits | 84.4889% | 1,737 |
| Net loans and leases to core deposits | 94.0969% | 1,766 |
| Total domestic deposits to total assets | 81.7400% | 3,173 |
| Equity capital to assets | 6.7903% | 4,019 |
| Core capital (leverage) ratio | 8.5055% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9205% | 2,609 |
| Memoranda: | ||
| Average total assets | $781,808,200 | 1,204 |
| Average earning assets | $750,413,800 | 1,168 |
| Average equity | $48,449,400 | 1,649 |
| Average total loans | $535,893,800 | 1,171 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 1,142 |
| Cost of funding earning assets | 1.5587% | 1,460 |
| Net interest margin | 3.8344% | 1,531 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.1041% | 925 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.6325% | 3,467 |
| Return on assets (ROA) | 0.6097% | 3,510 |
| Pretax return on assets | 0.7621% | 3,417 |
| Return on Equity (ROE) | 10.0800% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.9650% | 1,977 |
| Net charge-offs to loans | 0.0085% | 2,094 |
| Credit loss provision to net charge-offs | 776.4706% | 479 |
| Earnings coverage of net charge-offs (x) | 144.0294% | 751 |
| Efficiency ratio | 77.9313% | 1,018 |
| Assets per employee ($millions) | 6.6352% | 2,224 |
| Cash dividends to net income (ytd only)* | 20.9908% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 829 |
| Loan loss allowance to noncurrent loans | 2,053.0612% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,247 |
| Noncurrent loans to loans | 0.0794% | 3,191 |
| Net loans and leases to total assets | 69.7600% | 1,862 |
| Net loans and leases to deposits | 85.4066% | 1,622 |
| Net loans and leases to core deposits | 94.5961% | 1,643 |
| Total domestic deposits to total assets | 81.6800% | 3,275 |
| Equity capital to assets | 5.5993% | 4,108 |
| Core capital (leverage) ratio | 8.3702% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5262% | 2,721 |
| Memoranda: | ||
| Average total assets | $781,301,750 | 1,203 |
| Average earning assets | $750,459,750 | 1,168 |
| Average equity | $47,255,500 | 1,664 |
| Average total loans | $532,260,750 | 1,173 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,872 |
| Cost of funding earning assets | 1.4111% | 1,416 |
| Net interest margin | 3.4444% | 2,404 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.8181% | 1,380 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7227% | 3,290 |
| Return on assets (ROA) | 0.6807% | 3,383 |
| Pretax return on assets | 0.6807% | 3,639 |
| Return on Equity (ROE) | 12.6700% | 1,972 |
| Retained earnings to average equity (ytd only) | 12.6698% | 860 |
| Net charge-offs to loans | 0.0060% | 2,029 |
| Credit loss provision to net charge-offs | 853.8462% | 458 |
| Earnings coverage of net charge-offs (x) | 195.3077% | 619 |
| Efficiency ratio | 78.8540% | 933 |
| Assets per employee ($millions) | 6.9327% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 872 |
| Loan loss allowance to noncurrent loans | 52,950.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,882 |
| Noncurrent loans to loans | 0.0031% | 3,807 |
| Net loans and leases to total assets | 65.0700% | 2,273 |
| Net loans and leases to deposits | 82.3920% | 1,801 |
| Net loans and leases to core deposits | 91.7743% | 1,699 |
| Total domestic deposits to total assets | 78.9800% | 3,724 |
| Equity capital to assets | 5.3243% | 4,325 |
| Core capital (leverage) ratio | 8.3140% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5199% | 2,760 |
| Memoranda: | ||
| Average total assets | $671,945,667 | 1,344 |
| Average earning assets | $646,320,667 | 1,303 |
| Average equity | $36,101,667 | 2,016 |
| Average total loans | $432,434,000 | 1,370 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,999 |
| Cost of funding earning assets | 1.1358% | 1,642 |
| Net interest margin | 3.5030% | 2,355 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.7685% | 1,511 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8396% | 3,053 |
| Return on assets (ROA) | 0.7855% | 3,187 |
| Pretax return on assets | 0.7855% | 3,492 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | 14.3237% | 897 |
| Net charge-offs to loans | -0.0009% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.2465% | 1,151 |
| Assets per employee ($millions) | 7.3248% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,012 |
| Loan loss allowance to noncurrent loans | 21,071.8750% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,855 |
| Noncurrent loans to loans | 0.0076% | 3,780 |
| Net loans and leases to total assets | 62.3000% | 2,439 |
| Net loans and leases to deposits | 75.8687% | 2,133 |
| Net loans and leases to core deposits | 79.6230% | 2,281 |
| Total domestic deposits to total assets | 82.1100% | 3,471 |
| Equity capital to assets | 5.8556% | 4,251 |
| Core capital (leverage) ratio | 8.4903% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0360% | 2,721 |
| Memoranda: | ||
| Average total assets | $665,054,000 | 1,373 |
| Average earning assets | $639,913,000 | 1,324 |
| Average equity | $36,471,000 | 2,024 |
| Average total loans | $421,631,000 | 1,414 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 1,114 |
| Cost of funding earning assets | 0.3327% | 2,612 |
| Net interest margin | 3.9387% | 878 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7719% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4613% | 978 |
| Return on assets (ROA) | 1.4613% | 939 |
| Pretax return on assets | 1.4613% | 1,569 |
| Return on Equity (ROE) | 19.0200% | 569 |
| Retained earnings to average equity (ytd only) | -14.8996% | 4,675 |
| Net charge-offs to loans | -0.0192% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4794% | 2,298 |
| Assets per employee ($millions) | 7.3728% | 1,705 |
| Cash dividends to net income (ytd only)* | 178.3202% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 991 |
| Loan loss allowance to noncurrent loans | 1,435.5460% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,089 |
| Noncurrent loans to loans | 0.1109% | 2,976 |
| Net loans and leases to total assets | 62.4800% | 2,388 |
| Net loans and leases to deposits | 76.4268% | 2,067 |
| Net loans and leases to core deposits | 78.0905% | 2,268 |
| Total domestic deposits to total assets | 81.7500% | 3,657 |
| Equity capital to assets | 5.1105% | 4,336 |
| Core capital (leverage) ratio | 8.6135% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7594% | 2,801 |
| Memoranda: | ||
| Average total assets | $642,019,200 | 1,401 |
| Average earning assets | $623,447,800 | 1,341 |
| Average equity | $49,316,600 | 1,638 |
| Average total loans | $395,890,000 | 1,408 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 886 |
| Cost of funding earning assets | 0.2240% | 3,001 |
| Net interest margin | 3.9808% | 664 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.7695% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5561% | 729 |
| Return on assets (ROA) | 1.5561% | 709 |
| Pretax return on assets | 1.5561% | 1,244 |
| Return on Equity (ROE) | 18.6300% | 563 |
| Retained earnings to average equity (ytd only) | 1.7554% | 4,076 |
| Net charge-offs to loans | -0.0257% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0263% | 2,549 |
| Assets per employee ($millions) | 6.9133% | 2,009 |
| Cash dividends to net income (ytd only)* | 90.5787% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 910 |
| Loan loss allowance to noncurrent loans | 261.3885% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 1,344 |
| Noncurrent loans to loans | 0.6417% | 1,267 |
| Net loans and leases to total assets | 61.7700% | 2,316 |
| Net loans and leases to deposits | 73.1114% | 2,120 |
| Net loans and leases to core deposits | 74.0148% | 2,348 |
| Total domestic deposits to total assets | 84.4800% | 3,390 |
| Equity capital to assets | 6.4066% | 3,790 |
| Core capital (leverage) ratio | 9.9752% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9286% | 2,083 |
| Memoranda: | ||
| Average total assets | $636,635,250 | 1,418 |
| Average earning assets | $619,727,750 | 1,361 |
| Average equity | $53,168,000 | 1,560 |
| Average total loans | $389,543,000 | 1,415 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 651 |
| Cost of funding earning assets | 0.1964% | 2,964 |
| Net interest margin | 3.9946% | 504 |
| Noninterest income to average assets | 0.5355% | 2,014 |
| Noninterest expense to average assets | 2.7514% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6802% | 448 |
| Return on assets (ROA) | 1.6802% | 443 |
| Pretax return on assets | 1.6802% | 789 |
| Return on Equity (ROE) | 18.6709% | 407 |
| Retained earnings to average equity (ytd only) | -4.8161% | 4,530 |
| Net charge-offs to loans | -0.0394% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0863% | 3,036 |
| Assets per employee ($millions) | 7.0092% | 1,931 |
| Cash dividends to net income (ytd only)* | 125.7944% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 896 |
| Loan loss allowance to noncurrent loans | 258.9031% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 1,363 |
| Noncurrent loans to loans | 0.6714% | 1,280 |
| Net loans and leases to total assets | 60.7371% | 2,245 |
| Net loans and leases to deposits | 71.6000% | 2,061 |
| Net loans and leases to core deposits | 72.7395% | 2,256 |
| Total domestic deposits to total assets | 84.8283% | 3,522 |
| Equity capital to assets | 7.6815% | 3,358 |
| Core capital (leverage) ratio | 9.7179% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8160% | 2,145 |
| Memoranda: | ||
| Average total assets | $636,840,333 | 1,417 |
| Average earning assets | $621,145,000 | 1,366 |
| Average equity | $57,308,333 | 1,496 |
| Average total loans | $386,205,667 | 1,420 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 415 |
| Cost of funding earning assets | 0.1856% | 3,005 |
| Net interest margin | 4.1505% | 308 |
| Noninterest income to average assets | 0.5614% | 1,863 |
| Noninterest expense to average assets | 2.6126% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9958% | 225 |
| Return on assets (ROA) | 1.9958% | 225 |
| Pretax return on assets | 1.9958% | 362 |
| Return on Equity (ROE) | 20.7087% | 209 |
| Retained earnings to average equity (ytd only) | -22.7086% | 4,719 |
| Net charge-offs to loans | -0.0424% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6919% | 3,820 |
| Assets per employee ($millions) | 7.4283% | 1,726 |
| Cash dividends to net income (ytd only)* | 209.6573% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 964 |
| Loan loss allowance to noncurrent loans | 1,265.4649% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,263 |
| Noncurrent loans to loans | 0.1382% | 3,116 |
| Net loans and leases to total assets | 57.9526% | 2,303 |
| Net loans and leases to deposits | 69.4337% | 2,015 |
| Net loans and leases to core deposits | 71.0622% | 2,205 |
| Total domestic deposits to total assets | 83.4646% | 3,872 |
| Equity capital to assets | 8.4326% | 3,216 |
| Core capital (leverage) ratio | 9.5046% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1102% | 2,155 |
| Memoranda: | ||
| Average total assets | $643,350,500 | 1,403 |
| Average earning assets | $627,294,000 | 1,363 |
| Average equity | $62,003,000 | 1,443 |
| Average total loans | $386,512,000 | 1,409 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 1,197 |
| Cost of funding earning assets | 0.2216% | 3,236 |
| Net interest margin | 3.8572% | 907 |
| Noninterest income to average assets | 0.5058% | 2,537 |
| Noninterest expense to average assets | 2.5897% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6377% | 727 |
| Return on assets (ROA) | 1.6725% | 707 |
| Pretax return on assets | 1.6906% | 1,174 |
| Return on Equity (ROE) | 16.2740% | 711 |
| Retained earnings to average equity (ytd only) | 16.2740% | 158 |
| Net charge-offs to loans | -0.0097% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0042% | 2,997 |
| Assets per employee ($millions) | 7.2777% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 1,067 |
| Loan loss allowance to noncurrent loans | 970.2782% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,186 |
| Noncurrent loans to loans | 0.1743% | 3,081 |
| Net loans and leases to total assets | 60.1466% | 2,145 |
| Net loans and leases to deposits | 73.6151% | 1,759 |
| Net loans and leases to core deposits | 75.5876% | 1,946 |
| Total domestic deposits to total assets | 81.7042% | 4,007 |
| Equity capital to assets | 10.8534% | 1,900 |
| Core capital (leverage) ratio | 9.9615% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9144% | 1,883 |
| Memoranda: | ||
| Average total assets | $642,746,800 | 1,376 |
| Average earning assets | $623,098,800 | 1,334 |
| Average equity | $66,056,400 | 1,411 |
| Average total loans | $411,866,200 | 1,345 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 1,198 |
| Cost of funding earning assets | 0.2322% | 3,300 |
| Net interest margin | 3.9128% | 916 |
| Noninterest income to average assets | 0.5731% | 2,327 |
| Noninterest expense to average assets | 2.5046% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8304% | 626 |
| Return on assets (ROA) | 1.8304% | 657 |
| Pretax return on assets | 1.8545% | 1,035 |
| Return on Equity (ROE) | 18.0628% | 622 |
| Retained earnings to average equity (ytd only) | 18.0628% | 193 |
| Net charge-offs to loans | -0.0115% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4573% | 3,357 |
| Assets per employee ($millions) | 7.1685% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 1,247 |
| Loan loss allowance to noncurrent loans | 1,219.5212% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,548 |
| Noncurrent loans to loans | 0.1344% | 3,434 |
| Net loans and leases to total assets | 60.2573% | 2,218 |
| Net loans and leases to deposits | 73.4806% | 1,906 |
| Net loans and leases to core deposits | 75.8380% | 2,068 |
| Total domestic deposits to total assets | 82.0044% | 3,929 |
| Equity capital to assets | 10.4546% | 2,485 |
| Core capital (leverage) ratio | 9.5596% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3422% | 2,238 |
| Memoranda: | ||
| Average total assets | $643,324,000 | 1,390 |
| Average earning assets | $622,481,750 | 1,347 |
| Average equity | $65,193,250 | 1,438 |
| Average total loans | $416,875,500 | 1,355 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 938 |
| Cost of funding earning assets | 0.2439% | 3,335 |
| Net interest margin | 4.0967% | 702 |
| Noninterest income to average assets | 0.6822% | 1,882 |
| Noninterest expense to average assets | 2.5150% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1015% | 405 |
| Return on assets (ROA) | 2.1015% | 425 |
| Pretax return on assets | 2.1378% | 639 |
| Return on Equity (ROE) | 20.9660% | 383 |
| Retained earnings to average equity (ytd only) | 20.9660% | 131 |
| Net charge-offs to loans | -0.0142% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0530% | 3,797 |
| Assets per employee ($millions) | 7.6670% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 1,186 |
| Loan loss allowance to noncurrent loans | 1,198.5507% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,655 |
| Noncurrent loans to loans | 0.1370% | 3,510 |
| Net loans and leases to total assets | 59.4187% | 2,490 |
| Net loans and leases to deposits | 72.5103% | 2,162 |
| Net loans and leases to core deposits | 75.4596% | 2,291 |
| Total domestic deposits to total assets | 81.9452% | 3,933 |
| Equity capital to assets | 10.1701% | 2,704 |
| Core capital (leverage) ratio | 9.2477% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0011% | 1,974 |
| Memoranda: | ||
| Average total assets | $637,932,000 | 1,392 |
| Average earning assets | $618,301,667 | 1,347 |
| Average equity | $63,941,667 | 1,448 |
| Average total loans | $421,161,000 | 1,349 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 1,548 |
| Cost of funding earning assets | 0.2509% | 3,469 |
| Net interest margin | 3.7781% | 1,185 |
| Noninterest income to average assets | 1.1030% | 978 |
| Noninterest expense to average assets | 2.5731% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1181% | 474 |
| Return on assets (ROA) | 2.1181% | 516 |
| Pretax return on assets | 2.1919% | 700 |
| Return on Equity (ROE) | 21.2990% | 447 |
| Retained earnings to average equity (ytd only) | 21.2990% | 230 |
| Net charge-offs to loans | -0.0390% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9995% | 3,778 |
| Assets per employee ($millions) | 7.3594% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,566 |
| Loan loss allowance to noncurrent loans | 1,137.0497% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,744 |
| Noncurrent loans to loans | 0.1329% | 3,651 |
| Net loans and leases to total assets | 66.7195% | 1,697 |
| Net loans and leases to deposits | 80.8838% | 1,437 |
| Net loans and leases to core deposits | 84.3739% | 1,647 |
| Total domestic deposits to total assets | 82.4881% | 3,801 |
| Equity capital to assets | 9.6075% | 3,095 |
| Core capital (leverage) ratio | 9.2597% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8321% | 1,952 |
| Memoranda: | ||
| Average total assets | $623,382,000 | 1,403 |
| Average earning assets | $604,226,000 | 1,363 |
| Average equity | $61,993,500 | 1,479 |
| Average total loans | $430,262,500 | 1,334 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,104 |
| Cost of funding earning assets | 0.4453% | 3,310 |
| Net interest margin | 3.7655% | 1,602 |
| Noninterest income to average assets | 0.3695% | 3,269 |
| Noninterest expense to average assets | 2.7928% | 1,960 |
| Loan and lease loss provision to assets | 0.3166% | 1,174 |
| Net operating income to assets | 0.6093% | 3,719 |
| Return on assets (ROA) | 0.6882% | 3,603 |
| Pretax return on assets | 0.9994% | 3,047 |
| Return on Equity (ROE) | 6.7035% | 3,323 |
| Retained earnings to average equity (ytd only) | -4.4319% | 4,824 |
| Net charge-offs to loans | 0.0117% | 2,906 |
| Credit loss provision to net charge-offs | 3,829.7872% | 274 |
| Earnings coverage of net charge-offs (x) | 147.1064% | 589 |
| Efficiency ratio | 69.6661% | 1,994 |
| Assets per employee ($millions) | 6.4423% | 1,959 |
| Cash dividends to net income (ytd only)* | 166.1130% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,394 |
| Loan loss allowance to noncurrent loans | 946.2644% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 3,712 |
| Noncurrent loans to loans | 0.1650% | 3,616 |
| Net loans and leases to total assets | 69.3024% | 1,647 |
| Net loans and leases to deposits | 84.5287% | 1,405 |
| Net loans and leases to core deposits | 89.5970% | 1,560 |
| Total domestic deposits to total assets | 81.9869% | 3,665 |
| Equity capital to assets | 10.3092% | 2,821 |
| Core capital (leverage) ratio | 8.9857% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4605% | 2,064 |
| Memoranda: | ||
| Average total assets | $568,567,200 | 1,402 |
| Average earning assets | $549,516,000 | 1,351 |
| Average equity | $58,372,200 | 1,479 |
| Average total loans | $402,081,200 | 1,349 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,323 |
| Cost of funding earning assets | 0.4814% | 3,348 |
| Net interest margin | 3.7439% | 1,786 |
| Noninterest income to average assets | 0.3687% | 3,246 |
| Noninterest expense to average assets | 2.7946% | 1,979 |
| Loan and lease loss provision to assets | 0.2852% | 1,414 |
| Net operating income to assets | 0.5035% | 4,019 |
| Return on assets (ROA) | 0.6102% | 3,833 |
| Pretax return on assets | 1.0413% | 2,932 |
| Return on Equity (ROE) | 5.9499% | 3,575 |
| Retained earnings to average equity (ytd only) | -9.1160% | 4,918 |
| Net charge-offs to loans | 0.0097% | 2,757 |
| Credit loss provision to net charge-offs | 4,137.9310% | 269 |
| Earnings coverage of net charge-offs (x) | 172.8621% | 541 |
| Efficiency ratio | 70.1073% | 1,871 |
| Assets per employee ($millions) | 6.6381% | 1,722 |
| Cash dividends to net income (ytd only)* | 253.2139% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,852 |
| Loan loss allowance to noncurrent loans | 2,021.5488% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,195 |
| Noncurrent loans to loans | 0.0680% | 4,099 |
| Net loans and leases to total assets | 71.2763% | 1,774 |
| Net loans and leases to deposits | 89.8442% | 1,281 |
| Net loans and leases to core deposits | 96.3892% | 1,422 |
| Total domestic deposits to total assets | 79.3332% | 3,994 |
| Equity capital to assets | 9.9211% | 3,300 |
| Core capital (leverage) ratio | 8.7711% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8087% | 1,889 |
| Memoranda: | ||
| Average total assets | $560,925,250 | 1,394 |
| Average earning assets | $541,993,750 | 1,344 |
| Average equity | $57,523,750 | 1,487 |
| Average total loans | $397,151,250 | 1,352 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 2,732 |
| Cost of funding earning assets | 0.5318% | 3,334 |
| Net interest margin | 3.6775% | 2,248 |
| Noninterest income to average assets | 0.4014% | 3,064 |
| Noninterest expense to average assets | 2.7072% | 2,366 |
| Loan and lease loss provision to assets | 0.2196% | 1,899 |
| Net operating income to assets | 0.3978% | 4,234 |
| Return on assets (ROA) | 0.5354% | 3,999 |
| Pretax return on assets | 1.1992% | 2,368 |
| Return on Equity (ROE) | 5.1585% | 3,785 |
| Retained earnings to average equity (ytd only) | -17.7604% | 4,998 |
| Net charge-offs to loans | -0.0724% | 4,778 |
| Credit loss provision to net charge-offs | -431.6547% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5063% | 2,167 |
| Assets per employee ($millions) | 6.7486% | 1,594 |
| Cash dividends to net income (ytd only)* | 444.2925% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,202 |
| Loan loss allowance to noncurrent loans | 139.7092% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 1,856 |
| Noncurrent loans to loans | 0.9022% | 1,698 |
| Net loans and leases to total assets | 71.8762% | 1,734 |
| Net loans and leases to deposits | 94.2727% | 937 |
| Net loans and leases to core deposits | 100.7321% | 1,207 |
| Total domestic deposits to total assets | 76.2428% | 4,404 |
| Equity capital to assets | 9.5648% | 3,597 |
| Core capital (leverage) ratio | 8.8564% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3208% | 2,064 |
| Memoranda: | ||
| Average total assets | $546,545,000 | 1,401 |
| Average earning assets | $527,635,333 | 1,356 |
| Average equity | $56,721,667 | 1,490 |
| Average total loans | $384,015,000 | 1,383 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,884 |
| Cost of funding earning assets | 0.6350% | 3,247 |
| Net interest margin | 4.0037% | 1,386 |
| Noninterest income to average assets | 0.5378% | 2,347 |
| Noninterest expense to average assets | 2.6559% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3363% | 4,269 |
| Return on assets (ROA) | 0.3363% | 4,302 |
| Pretax return on assets | 1.7422% | 786 |
| Return on Equity (ROE) | 3.0980% | 4,190 |
| Retained earnings to average equity (ytd only) | -43.3011% | 5,074 |
| Net charge-offs to loans | -0.0406% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3877% | 3,690 |
| Assets per employee ($millions) | 5.8344% | 1,809 |
| Cash dividends to net income (ytd only)* | 1,497.6959% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,706 |
| Loan loss allowance to noncurrent loans | 170.0419% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 2,322 |
| Noncurrent loans to loans | 0.8230% | 1,959 |
| Net loans and leases to total assets | 66.8268% | 2,718 |
| Net loans and leases to deposits | 87.2030% | 1,839 |
| Net loans and leases to core deposits | 95.2186% | 1,863 |
| Total domestic deposits to total assets | 76.6336% | 4,407 |
| Equity capital to assets | 10.4256% | 3,388 |
| Core capital (leverage) ratio | 9.7453% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,130,000 | 1,431 |
| Average earning assets | $497,643,000 | 1,389 |
| Average equity | $56,035,500 | 1,499 |
| Average total loans | $354,957,000 | 1,434 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 2,217 |
| Cost of funding earning assets | 0.7576% | 2,878 |
| Net interest margin | 3.9796% | 1,910 |
| Noninterest income to average assets | 0.3445% | 3,647 |
| Noninterest expense to average assets | 3.0569% | 1,858 |
| Loan and lease loss provision to assets | 0.0573% | 2,888 |
| Net operating income to assets | 0.7491% | 3,704 |
| Return on assets (ROA) | 1.0267% | 2,840 |
| Pretax return on assets | 1.3948% | 2,180 |
| Return on Equity (ROE) | 9.5478% | 2,500 |
| Retained earnings to average equity (ytd only) | 4.3504% | 2,789 |
| Net charge-offs to loans | 0.0455% | 2,473 |
| Credit loss provision to net charge-offs | 187.5000% | 1,407 |
| Earnings coverage of net charge-offs (x) | 36.0313% | 1,401 |
| Efficiency ratio | 73.5247% | 1,664 |
| Assets per employee ($millions) | 6.1766% | 1,502 |
| Cash dividends to net income (ytd only)* | 54.4356% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,766 |
| Loan loss allowance to noncurrent loans | 126.0563% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 1,754 |
| Noncurrent loans to loans | 1.0593% | 1,426 |
| Net loans and leases to total assets | 68.8284% | 2,566 |
| Net loans and leases to deposits | 91.1693% | 1,466 |
| Net loans and leases to core deposits | 99.3338% | 1,621 |
| Total domestic deposits to total assets | 75.4951% | 4,658 |
| Equity capital to assets | 11.2836% | 2,725 |
| Core capital (leverage) ratio | 10.4192% | 3,050 |
| Tier 1 risk-based capital ratio | 13.0240% | 3,782 |
| Total risk-based capital ratio | 14.1924% | 3,695 |
| Memoranda: | ||
| Average total assets | $523,726,800 | 1,367 |
| Average earning assets | $501,829,400 | 1,327 |
| Average equity | $56,316,600 | 1,438 |
| Average total loans | $351,453,000 | 1,417 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 2,606 |
| Cost of funding earning assets | 0.7622% | 2,910 |
| Net interest margin | 3.8753% | 2,347 |
| Noninterest income to average assets | 0.3167% | 3,858 |
| Noninterest expense to average assets | 2.9457% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7857% | 3,716 |
| Return on assets (ROA) | 0.9733% | 3,155 |
| Pretax return on assets | 1.3187% | 2,605 |
| Return on Equity (ROE) | 9.1629% | 2,820 |
| Retained earnings to average equity (ytd only) | 2.1640% | 4,215 |
| Net charge-offs to loans | -0.0485% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1504% | 1,681 |
| Assets per employee ($millions) | 6.1217% | 1,516 |
| Cash dividends to net income (ytd only)* | 76.3830% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 1,815 |
| Loan loss allowance to noncurrent loans | 193.5743% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 2,637 |
| Noncurrent loans to loans | 0.6900% | 2,237 |
| Net loans and leases to total assets | 67.6322% | 2,846 |
| Net loans and leases to deposits | 90.1875% | 1,677 |
| Net loans and leases to core deposits | 97.8297% | 1,838 |
| Total domestic deposits to total assets | 74.9907% | 4,750 |
| Equity capital to assets | 11.0939% | 3,019 |
| Core capital (leverage) ratio | 10.0659% | 3,570 |
| Tier 1 risk-based capital ratio | 12.7365% | 4,002 |
| Total risk-based capital ratio | 13.8975% | 3,929 |
| Memoranda: | ||
| Average total assets | $524,950,750 | 1,366 |
| Average earning assets | $502,587,250 | 1,331 |
| Average equity | $55,760,000 | 1,447 |
| Average total loans | $348,832,250 | 1,436 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 2,725 |
| Cost of funding earning assets | 0.7161% | 3,078 |
| Net interest margin | 3.8674% | 2,350 |
| Noninterest income to average assets | 0.5369% | 2,461 |
| Noninterest expense to average assets | 2.9795% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9273% | 3,182 |
| Return on assets (ROA) | 1.0442% | 2,820 |
| Pretax return on assets | 1.4087% | 2,177 |
| Return on Equity (ROE) | 9.9785% | 2,400 |
| Retained earnings to average equity (ytd only) | -0.6852% | 4,786 |
| Net charge-offs to loans | -0.0447% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2671% | 2,178 |
| Assets per employee ($millions) | 5.8886% | 1,621 |
| Cash dividends to net income (ytd only)* | 106.8663% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,883 |
| Loan loss allowance to noncurrent loans | 156.9924% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 2,002 |
| Noncurrent loans to loans | 0.8479% | 1,908 |
| Net loans and leases to total assets | 65.9958% | 3,107 |
| Net loans and leases to deposits | 91.5795% | 1,538 |
| Net loans and leases to core deposits | 99.3323% | 1,781 |
| Total domestic deposits to total assets | 72.0639% | 4,969 |
| Equity capital to assets | 10.6036% | 3,436 |
| Core capital (leverage) ratio | 9.9049% | 3,697 |
| Tier 1 risk-based capital ratio | 12.2865% | 4,246 |
| Total risk-based capital ratio | 13.4230% | 4,199 |
| Memoranda: | ||
| Average total assets | $524,445,000 | 1,368 |
| Average earning assets | $502,194,670 | 1,330 |
| Average equity | $54,878,000 | 1,459 |
| Average total loans | $344,815,670 | 1,457 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 2,582 |
| Cost of funding earning assets | 0.6968% | 3,072 |
| Net interest margin | 3.8887% | 2,228 |
| Noninterest income to average assets | 0.6246% | 1,938 |
| Noninterest expense to average assets | 3.0351% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9667% | 2,985 |
| Return on assets (ROA) | 1.0209% | 2,812 |
| Pretax return on assets | 1.3764% | 2,165 |
| Return on Equity (ROE) | 9.8244% | 2,438 |
| Retained earnings to average equity (ytd only) | -11.8872% | 5,156 |
| Net charge-offs to loans | -0.0379% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8864% | 2,359 |
| Assets per employee ($millions) | 5.9294% | 1,604 |
| Cash dividends to net income (ytd only)* | 220.9970% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,769 |
| Loan loss allowance to noncurrent loans | 234.1923% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 2,643 |
| Noncurrent loans to loans | 0.5868% | 2,576 |
| Net loans and leases to total assets | 64.9992% | 3,169 |
| Net loans and leases to deposits | 85.0691% | 2,246 |
| Net loans and leases to core deposits | 91.2787% | 2,370 |
| Total domestic deposits to total assets | 76.4076% | 4,715 |
| Equity capital to assets | 10.3277% | 3,501 |
| Core capital (leverage) ratio | 9.6364% | 3,984 |
| Tier 1 risk-based capital ratio | 12.3401% | 4,276 |
| Total risk-based capital ratio | 13.5171% | 4,178 |
| Memoranda: | ||
| Average total assets | $518,736,000 | 1,390 |
| Average earning assets | $496,002,000 | 1,348 |
| Average equity | $53,906,500 | 1,474 |
| Average total loans | $338,014,500 | 1,488 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 2,589 |
| Cost of funding earning assets | 0.5293% | 3,187 |
| Net interest margin | 3.9273% | 2,240 |
| Noninterest income to average assets | 0.5578% | 2,506 |
| Noninterest expense to average assets | 2.8141% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1312% | 2,467 |
| Return on assets (ROA) | 1.1348% | 2,454 |
| Pretax return on assets | 1.5037% | 1,774 |
| Return on Equity (ROE) | 11.3232% | 1,967 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,471 |
| Net charge-offs to loans | 0.0112% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 214.8333% | 430 |
| Efficiency ratio | 64.7463% | 3,075 |
| Assets per employee ($millions) | 5.7943% | 1,679 |
| Cash dividends to net income (ytd only)* | 51.2383% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,589 |
| Loan loss allowance to noncurrent loans | 189.1217% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 2,266 |
| Noncurrent loans to loans | 0.7473% | 2,128 |
| Net loans and leases to total assets | 63.4983% | 3,406 |
| Net loans and leases to deposits | 82.9105% | 2,629 |
| Net loans and leases to core deposits | 88.9548% | 2,659 |
| Total domestic deposits to total assets | 76.5867% | 4,687 |
| Equity capital to assets | 10.4569% | 3,232 |
| Core capital (leverage) ratio | 9.7200% | 3,888 |
| Tier 1 risk-based capital ratio | 12.8591% | 3,930 |
| Total risk-based capital ratio | 14.0538% | 3,842 |
| Memoranda: | ||
| Average total assets | $515,934,600 | 1,366 |
| Average earning assets | $493,337,200 | 1,331 |
| Average equity | $51,708,200 | 1,470 |
| Average total loans | $320,014,200 | 1,512 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,838 |
| Cost of funding earning assets | 0.4832% | 3,309 |
| Net interest margin | 3.8502% | 2,470 |
| Noninterest income to average assets | 0.5909% | 2,362 |
| Noninterest expense to average assets | 2.7483% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1563% | 2,420 |
| Return on assets (ROA) | 1.1545% | 2,429 |
| Pretax return on assets | 1.5261% | 1,818 |
| Return on Equity (ROE) | 11.6456% | 1,933 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,867 |
| Net charge-offs to loans | 0.0177% | 2,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 140.8298% | 577 |
| Efficiency ratio | 63.5913% | 3,253 |
| Assets per employee ($millions) | 5.9722% | 1,506 |
| Cash dividends to net income (ytd only)* | 67.1442% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,529 |
| Loan loss allowance to noncurrent loans | 231.0498% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 2,783 |
| Noncurrent loans to loans | 0.6270% | 2,519 |
| Net loans and leases to total assets | 60.6777% | 3,779 |
| Net loans and leases to deposits | 82.1496% | 2,800 |
| Net loans and leases to core deposits | 88.3728% | 2,810 |
| Total domestic deposits to total assets | 73.8624% | 4,988 |
| Equity capital to assets | 9.7425% | 3,879 |
| Core capital (leverage) ratio | 9.2184% | 4,495 |
| Tier 1 risk-based capital ratio | 12.6746% | 4,098 |
| Total risk-based capital ratio | 13.8951% | 4,017 |
| Memoranda: | ||
| Average total assets | $515,996,000 | 1,368 |
| Average earning assets | $493,952,000 | 1,329 |
| Average equity | $51,154,000 | 1,481 |
| Average total loans | $316,980,750 | 1,531 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 2,953 |
| Cost of funding earning assets | 0.4227% | 3,551 |
| Net interest margin | 3.8255% | 2,479 |
| Noninterest income to average assets | 0.6946% | 1,887 |
| Noninterest expense to average assets | 2.7219% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2326% | 2,048 |
| Return on assets (ROA) | 1.2188% | 2,104 |
| Pretax return on assets | 1.6185% | 1,446 |
| Return on Equity (ROE) | 12.2218% | 1,650 |
| Retained earnings to average equity (ytd only) | 0.4889% | 4,867 |
| Net charge-offs to loans | -0.1093% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4641% | 3,697 |
| Assets per employee ($millions) | 6.2354% | 1,312 |
| Cash dividends to net income (ytd only)* | 96.0000% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,294 |
| Loan loss allowance to noncurrent loans | 261.0224% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 2,972 |
| Noncurrent loans to loans | 0.5871% | 2,656 |
| Net loans and leases to total assets | 58.7367% | 3,921 |
| Net loans and leases to deposits | 83.3587% | 2,604 |
| Net loans and leases to core deposits | 89.4763% | 2,612 |
| Total domestic deposits to total assets | 70.4625% | 5,261 |
| Equity capital to assets | 9.4782% | 4,129 |
| Core capital (leverage) ratio | 9.1889% | 4,475 |
| Tier 1 risk-based capital ratio | 12.5718% | 4,140 |
| Total risk-based capital ratio | 13.8223% | 4,039 |
| Memoranda: | ||
| Average total assets | $512,810,000 | 1,379 |
| Average earning assets | $491,072,000 | 1,336 |
| Average equity | $51,138,000 | 1,486 |
| Average total loans | $314,780,330 | 1,541 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,951 |
| Cost of funding earning assets | 0.3720% | 3,810 |
| Net interest margin | 3.8075% | 2,396 |
| Noninterest income to average assets | 1.0465% | 832 |
| Noninterest expense to average assets | 2.8027% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4119% | 1,313 |
| Return on assets (ROA) | 1.3961% | 1,361 |
| Pretax return on assets | 1.8679% | 781 |
| Return on Equity (ROE) | 13.6390% | 1,102 |
| Retained earnings to average equity (ytd only) | -9.7555% | 5,367 |
| Net charge-offs to loans | 0.0077% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 394.1667% | 174 |
| Efficiency ratio | 57.8625% | 4,357 |
| Assets per employee ($millions) | 5.8754% | 1,625 |
| Cash dividends to net income (ytd only)* | 171.5266% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,423 |
| Loan loss allowance to noncurrent loans | 246.8130% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,982 |
| Noncurrent loans to loans | 0.6124% | 2,708 |
| Net loans and leases to total assets | 60.2213% | 3,735 |
| Net loans and leases to deposits | 83.4834% | 2,454 |
| Net loans and leases to core deposits | 88.3382% | 2,602 |
| Total domestic deposits to total assets | 72.1356% | 5,275 |
| Equity capital to assets | 9.7469% | 3,841 |
| Core capital (leverage) ratio | 9.4075% | 4,177 |
| Tier 1 risk-based capital ratio | 12.8878% | 4,010 |
| Total risk-based capital ratio | 14.1385% | 3,903 |
| Memoranda: | ||
| Average total assets | $501,094,500 | 1,421 |
| Average earning assets | $479,583,000 | 1,387 |
| Average equity | $51,294,000 | 1,494 |
| Average total loans | $312,234,500 | 1,548 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,729 |
| Cost of funding earning assets | 0.3733% | 3,483 |
| Net interest margin | 3.8161% | 2,370 |
| Noninterest income to average assets | 0.4212% | 3,494 |
| Noninterest expense to average assets | 2.8989% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5742% | 4,122 |
| Return on assets (ROA) | 0.6029% | 4,034 |
| Pretax return on assets | 1.2009% | 2,767 |
| Return on Equity (ROE) | 5.9528% | 3,779 |
| Retained earnings to average equity (ytd only) | -0.8493% | 5,167 |
| Net charge-offs to loans | -0.0899% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3058% | 2,831 |
| Assets per employee ($millions) | 5.8456% | 1,624 |
| Cash dividends to net income (ytd only)* | 114.2671% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,354 |
| Loan loss allowance to noncurrent loans | 241.9949% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,902 |
| Noncurrent loans to loans | 0.6268% | 2,651 |
| Net loans and leases to total assets | 62.5598% | 3,547 |
| Net loans and leases to deposits | 85.0500% | 2,365 |
| Net loans and leases to core deposits | 90.6362% | 2,498 |
| Total domestic deposits to total assets | 73.5565% | 5,222 |
| Equity capital to assets | 10.7460% | 2,901 |
| Core capital (leverage) ratio | 9.7925% | 3,706 |
| Tier 1 risk-based capital ratio | 14.2799% | 3,207 |
| Total risk-based capital ratio | 15.5329% | 3,104 |
| Memoranda: | ||
| Average total assets | $508,020,400 | 1,381 |
| Average earning assets | $483,736,400 | 1,351 |
| Average equity | $51,454,800 | 1,491 |
| Average total loans | $302,457,800 | 1,556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,799 |
| Cost of funding earning assets | 0.3706% | 3,456 |
| Net interest margin | 3.7780% | 2,477 |
| Noninterest income to average assets | 0.4097% | 3,622 |
| Noninterest expense to average assets | 2.8235% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8191% | 3,442 |
| Return on assets (ROA) | 0.8399% | 3,373 |
| Pretax return on assets | 1.2113% | 2,855 |
| Return on Equity (ROE) | 8.4154% | 2,925 |
| Retained earnings to average equity (ytd only) | -0.7119% | 5,319 |
| Net charge-offs to loans | -0.0235% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3079% | 2,998 |
| Assets per employee ($millions) | 5.9125% | 1,560 |
| Cash dividends to net income (ytd only)* | 108.4598% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 1,750 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 2,575 |
| Noncurrent loans to loans | 0.8384% | 2,262 |
| Net loans and leases to total assets | 60.1500% | 3,846 |
| Net loans and leases to deposits | 81.1146% | 2,864 |
| Net loans and leases to core deposits | 87.9309% | 2,779 |
| Total domestic deposits to total assets | 74.1543% | 5,225 |
| Equity capital to assets | 10.2253% | 3,668 |
| Core capital (leverage) ratio | 9.3412% | 4,360 |
| Tier 1 risk-based capital ratio | 13.5359% | 3,681 |
| Total risk-based capital ratio | 14.7889% | 3,594 |
| Memoranda: | ||
| Average total assets | $512,267,750 | 1,374 |
| Average earning assets | $487,443,500 | 1,349 |
| Average equity | $51,127,000 | 1,513 |
| Average total loans | $300,092,500 | 1,578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 2,965 |
| Cost of funding earning assets | 0.3593% | 3,488 |
| Net interest margin | 3.7043% | 2,642 |
| Noninterest income to average assets | 0.3476% | 4,065 |
| Noninterest expense to average assets | 2.7790% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7840% | 3,469 |
| Return on assets (ROA) | 0.7452% | 3,712 |
| Pretax return on assets | 1.0376% | 3,413 |
| Return on Equity (ROE) | 7.5281% | 3,277 |
| Retained earnings to average equity (ytd only) | -6.2958% | 5,573 |
| Net charge-offs to loans | -0.0237% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4848% | 2,925 |
| Assets per employee ($millions) | 6.2765% | 1,267 |
| Cash dividends to net income (ytd only)* | 183.6306% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,725 |
| Loan loss allowance to noncurrent loans | 227.4291% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,066 |
| Noncurrent loans to loans | 0.6420% | 2,808 |
| Net loans and leases to total assets | 58.2235% | 4,003 |
| Net loans and leases to deposits | 79.6112% | 2,954 |
| Net loans and leases to core deposits | 88.1816% | 2,686 |
| Total domestic deposits to total assets | 73.1348% | 5,376 |
| Equity capital to assets | 9.8271% | 4,105 |
| Core capital (leverage) ratio | 8.9274% | 4,808 |
| Tier 1 risk-based capital ratio | 13.0408% | 3,971 |
| Total risk-based capital ratio | 14.2936% | 3,888 |
| Memoranda: | ||
| Average total assets | $511,560,000 | 1,384 |
| Average earning assets | $486,514,670 | 1,351 |
| Average equity | $50,636,670 | 1,526 |
| Average total loans | $295,484,000 | 1,598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 2,923 |
| Cost of funding earning assets | 0.3390% | 3,647 |
| Net interest margin | 3.6928% | 2,504 |
| Noninterest income to average assets | 0.3299% | 4,189 |
| Noninterest expense to average assets | 2.8860% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6990% | 3,709 |
| Return on assets (ROA) | 0.6558% | 3,946 |
| Pretax return on assets | 0.8925% | 3,800 |
| Return on Equity (ROE) | 6.6007% | 3,605 |
| Retained earnings to average equity (ytd only) | -21.2002% | 5,742 |
| Net charge-offs to loans | -0.0221% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8281% | 2,608 |
| Assets per employee ($millions) | 6.0333% | 1,488 |
| Cash dividends to net income (ytd only)* | 421.1793% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,629 |
| Loan loss allowance to noncurrent loans | 231.9855% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 2,871 |
| Noncurrent loans to loans | 0.6549% | 2,868 |
| Net loans and leases to total assets | 55.2668% | 4,230 |
| Net loans and leases to deposits | 75.3611% | 3,266 |
| Net loans and leases to core deposits | 81.4302% | 3,147 |
| Total domestic deposits to total assets | 73.3360% | 5,465 |
| Equity capital to assets | 9.3561% | 4,437 |
| Core capital (leverage) ratio | 8.7872% | 4,968 |
| Tier 1 risk-based capital ratio | 13.0118% | 4,073 |
| Total risk-based capital ratio | 14.2654% | 3,973 |
| Memoranda: | ||
| Average total assets | $506,867,000 | 1,402 |
| Average earning assets | $481,471,500 | 1,370 |
| Average equity | $50,358,000 | 1,533 |
| Average total loans | $289,322,500 | 1,630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,254 |
| Cost of funding earning assets | 0.3124% | 3,921 |
| Net interest margin | 3.6723% | 2,808 |
| Noninterest income to average assets | 0.4407% | 3,611 |
| Noninterest expense to average assets | 2.8921% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7371% | 3,607 |
| Return on assets (ROA) | 0.6910% | 3,930 |
| Pretax return on assets | 0.9679% | 3,590 |
| Return on Equity (ROE) | 6.5286% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.3084% | 3,564 |
| Net charge-offs to loans | -0.1217% | 5,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2936% | 2,853 |
| Assets per employee ($millions) | 5.8896% | 1,550 |
| Cash dividends to net income (ytd only)* | 49.3247% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,445 |
| Loan loss allowance to noncurrent loans | 3,403.8168% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 4,205 |
| Noncurrent loans to loans | 0.0461% | 5,062 |
| Net loans and leases to total assets | 57.2005% | 4,146 |
| Net loans and leases to deposits | 77.6131% | 3,149 |
| Net loans and leases to core deposits | 82.0012% | 3,208 |
| Total domestic deposits to total assets | 73.6995% | 5,462 |
| Equity capital to assets | 10.5569% | 3,095 |
| Core capital (leverage) ratio | 9.8660% | 3,671 |
| Tier 1 risk-based capital ratio | 14.4392% | 3,218 |
| Total risk-based capital ratio | 15.6968% | 3,145 |
| Memoranda: | ||
| Average total assets | $492,900,400 | 1,398 |
| Average earning assets | $467,659,000 | 1,358 |
| Average equity | $52,170,400 | 1,470 |
| Average total loans | $270,439,400 | 1,675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,400 |
| Cost of funding earning assets | 0.3207% | 3,861 |
| Net interest margin | 3.6332% | 2,952 |
| Noninterest income to average assets | 0.3974% | 3,942 |
| Noninterest expense to average assets | 2.8646% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7253% | 3,721 |
| Return on assets (ROA) | 0.6967% | 3,999 |
| Pretax return on assets | 0.9408% | 3,842 |
| Return on Equity (ROE) | 6.5784% | 3,784 |
| Retained earnings to average equity (ytd only) | 2.2964% | 4,548 |
| Net charge-offs to loans | -0.1568% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0674% | 2,729 |
| Assets per employee ($millions) | 5.9973% | 1,434 |
| Cash dividends to net income (ytd only)* | 65.0909% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 1,481 |
| Loan loss allowance to noncurrent loans | 2,233.1658% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,094 |
| Noncurrent loans to loans | 0.0715% | 5,062 |
| Net loans and leases to total assets | 55.0236% | 4,402 |
| Net loans and leases to deposits | 72.4132% | 3,762 |
| Net loans and leases to core deposits | 76.8934% | 3,761 |
| Total domestic deposits to total assets | 75.9856% | 5,237 |
| Equity capital to assets | 10.7973% | 3,249 |
| Core capital (leverage) ratio | 9.7727% | 3,839 |
| Tier 1 risk-based capital ratio | 14.7256% | 3,177 |
| Total risk-based capital ratio | 15.9807% | 3,113 |
| Memoranda: | ||
| Average total assets | $493,916,750 | 1,400 |
| Average earning assets | $468,551,500 | 1,351 |
| Average equity | $52,311,500 | 1,473 |
| Average total loans | $267,030,500 | 1,693 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 3,538 |
| Cost of funding earning assets | 0.3313% | 3,781 |
| Net interest margin | 3.5903% | 3,134 |
| Noninterest income to average assets | 0.3816% | 4,013 |
| Noninterest expense to average assets | 2.8541% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6901% | 3,844 |
| Return on assets (ROA) | 0.6934% | 3,973 |
| Pretax return on assets | 0.9378% | 3,811 |
| Return on Equity (ROE) | 6.5904% | 3,758 |
| Retained earnings to average equity (ytd only) | 0.1080% | 5,261 |
| Net charge-offs to loans | -0.2234% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8405% | 2,684 |
| Assets per employee ($millions) | 6.0082% | 1,392 |
| Cash dividends to net income (ytd only)* | 98.3607% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 1,279 |
| Loan loss allowance to noncurrent loans | 2,067.2897% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,165 |
| Noncurrent loans to loans | 0.0820% | 5,121 |
| Net loans and leases to total assets | 52.0449% | 4,670 |
| Net loans and leases to deposits | 68.3531% | 4,149 |
| Net loans and leases to core deposits | 72.9865% | 4,081 |
| Total domestic deposits to total assets | 76.1412% | 5,268 |
| Equity capital to assets | 10.8928% | 3,172 |
| Core capital (leverage) ratio | 9.6494% | 3,999 |
| Tier 1 risk-based capital ratio | 14.9467% | 3,099 |
| Total risk-based capital ratio | 16.2015% | 3,040 |
| Memoranda: | ||
| Average total assets | $492,631,670 | 1,408 |
| Average earning assets | $467,319,330 | 1,359 |
| Average equity | $51,833,330 | 1,489 |
| Average total loans | $263,262,000 | 1,709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,428 |
| Cost of funding earning assets | 0.3327% | 3,803 |
| Net interest margin | 3.6090% | 3,049 |
| Noninterest income to average assets | 0.3768% | 4,013 |
| Noninterest expense to average assets | 2.7714% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7509% | 3,479 |
| Return on assets (ROA) | 0.7064% | 3,801 |
| Pretax return on assets | 0.9622% | 3,613 |
| Return on Equity (ROE) | 6.8347% | 3,543 |
| Retained earnings to average equity (ytd only) | -6.3633% | 5,686 |
| Net charge-offs to loans | -0.2616% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5271% | 3,211 |
| Assets per employee ($millions) | 5.6766% | 1,685 |
| Cash dividends to net income (ytd only)* | 193.1034% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,578 |
| Loan loss allowance to noncurrent loans | 2,351.9126% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,836 |
| Noncurrent loans to loans | 0.0684% | 5,203 |
| Net loans and leases to total assets | 52.6794% | 4,563 |
| Net loans and leases to deposits | 69.5516% | 3,894 |
| Net loans and leases to core deposits | 74.2155% | 3,869 |
| Total domestic deposits to total assets | 75.7414% | 5,440 |
| Equity capital to assets | 10.2585% | 3,787 |
| Core capital (leverage) ratio | 9.4426% | 4,292 |
| Tier 1 risk-based capital ratio | 14.3359% | 3,477 |
| Total risk-based capital ratio | 15.5917% | 3,399 |
| Memoranda: | ||
| Average total assets | $492,611,000 | 1,403 |
| Average earning assets | $466,494,000 | 1,360 |
| Average equity | $50,917,000 | 1,511 |
| Average total loans | $264,475,500 | 1,698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,642 |
| Cost of funding earning assets | 0.3589% | 3,599 |
| Net interest margin | 3.5607% | 3,280 |
| Noninterest income to average assets | 0.4161% | 3,915 |
| Noninterest expense to average assets | 2.8970% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6688% | 3,959 |
| Return on assets (ROA) | 0.6945% | 3,947 |
| Pretax return on assets | 0.9342% | 3,711 |
| Return on Equity (ROE) | 6.7874% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.1454% | 4,495 |
| Net charge-offs to loans | -0.0075% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7386% | 2,784 |
| Assets per employee ($millions) | 5.5826% | 1,709 |
| Cash dividends to net income (ytd only)* | 68.3913% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,682 |
| Loan loss allowance to noncurrent loans | 334.6840% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 3,045 |
| Noncurrent loans to loans | 0.4719% | 3,776 |
| Net loans and leases to total assets | 52.9899% | 4,604 |
| Net loans and leases to deposits | 68.5273% | 4,080 |
| Net loans and leases to core deposits | 73.3845% | 4,008 |
| Total domestic deposits to total assets | 77.3268% | 5,269 |
| Equity capital to assets | 10.4161% | 3,465 |
| Core capital (leverage) ratio | 9.6712% | 3,941 |
| Tier 1 risk-based capital ratio | 14.9985% | 3,180 |
| Total risk-based capital ratio | 16.2588% | 3,105 |
| Memoranda: | ||
| Average total assets | $484,262,200 | 1,392 |
| Average earning assets | $459,746,600 | 1,348 |
| Average equity | $49,547,800 | 1,503 |
| Average total loans | $253,716,400 | 1,706 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,791 |
| Cost of funding earning assets | 0.3623% | 3,629 |
| Net interest margin | 3.5230% | 3,453 |
| Noninterest income to average assets | 0.4207% | 3,931 |
| Noninterest expense to average assets | 2.8437% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6750% | 4,010 |
| Return on assets (ROA) | 0.7241% | 3,899 |
| Pretax return on assets | 0.9933% | 3,638 |
| Return on Equity (ROE) | 7.1091% | 3,563 |
| Retained earnings to average equity (ytd only) | 2.7809% | 4,451 |
| Net charge-offs to loans | -0.0175% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8389% | 2,913 |
| Assets per employee ($millions) | 5.5992% | 1,687 |
| Cash dividends to net income (ytd only)* | 60.8828% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,910 |
| Loan loss allowance to noncurrent loans | 476.3218% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,507 |
| Noncurrent loans to loans | 0.3285% | 4,432 |
| Net loans and leases to total assets | 53.5130% | 4,614 |
| Net loans and leases to deposits | 70.0558% | 3,980 |
| Net loans and leases to core deposits | 75.8547% | 3,821 |
| Total domestic deposits to total assets | 76.3863% | 5,434 |
| Equity capital to assets | 10.4623% | 3,638 |
| Core capital (leverage) ratio | 9.7592% | 3,952 |
| Tier 1 risk-based capital ratio | 14.9409% | 3,320 |
| Total risk-based capital ratio | 16.2001% | 3,266 |
| Memoranda: | ||
| Average total assets | $483,907,000 | 1,395 |
| Average earning assets | $460,010,500 | 1,352 |
| Average equity | $49,287,500 | 1,517 |
| Average total loans | $251,772,250 | 1,725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,906 |
| Cost of funding earning assets | 0.3658% | 3,641 |
| Net interest margin | 3.4773% | 3,593 |
| Noninterest income to average assets | 0.4076% | 4,029 |
| Noninterest expense to average assets | 2.8511% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6283% | 4,222 |
| Return on assets (ROA) | 0.7357% | 3,823 |
| Pretax return on assets | 1.0074% | 3,557 |
| Return on Equity (ROE) | 7.2894% | 3,444 |
| Retained earnings to average equity (ytd only) | 0.7224% | 5,268 |
| Net charge-offs to loans | 0.0194% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 86.5417% | 662 |
| Efficiency ratio | 73.1585% | 2,807 |
| Assets per employee ($millions) | 5.5986% | 1,659 |
| Cash dividends to net income (ytd only)* | 90.0901% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,846 |
| Loan loss allowance to noncurrent loans | 421.3402% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 3,404 |
| Noncurrent loans to loans | 0.3845% | 4,328 |
| Net loans and leases to total assets | 50.9587% | 4,851 |
| Net loans and leases to deposits | 67.6963% | 4,159 |
| Net loans and leases to core deposits | 73.3836% | 4,009 |
| Total domestic deposits to total assets | 75.2755% | 5,675 |
| Equity capital to assets | 10.1115% | 3,914 |
| Core capital (leverage) ratio | 9.5546% | 4,202 |
| Tier 1 risk-based capital ratio | 15.0522% | 3,332 |
| Total risk-based capital ratio | 16.3137% | 3,261 |
| Memoranda: | ||
| Average total assets | $482,833,330 | 1,415 |
| Average earning assets | $458,748,670 | 1,359 |
| Average equity | $48,728,330 | 1,542 |
| Average total loans | $247,422,670 | 1,756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,920 |
| Cost of funding earning assets | 0.3714% | 3,630 |
| Net interest margin | 3.4494% | 3,629 |
| Noninterest income to average assets | 0.4077% | 3,938 |
| Noninterest expense to average assets | 2.7368% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6698% | 3,958 |
| Return on assets (ROA) | 0.8754% | 2,995 |
| Pretax return on assets | 1.2490% | 2,471 |
| Return on Equity (ROE) | 8.6822% | 2,608 |
| Retained earnings to average equity (ytd only) | -4.5227% | 5,897 |
| Net charge-offs to loans | 0.1094% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.1343% | 1,540 |
| Efficiency ratio | 70.4305% | 3,404 |
| Assets per employee ($millions) | 5.6298% | 1,686 |
| Cash dividends to net income (ytd only)* | 152.0913% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,888 |
| Loan loss allowance to noncurrent loans | 356.2996% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 3,381 |
| Noncurrent loans to loans | 0.4626% | 4,195 |
| Net loans and leases to total assets | 48.7024% | 4,963 |
| Net loans and leases to deposits | 65.3106% | 4,229 |
| Net loans and leases to core deposits | 69.8442% | 4,171 |
| Total domestic deposits to total assets | 74.5704% | 5,861 |
| Equity capital to assets | 10.0736% | 4,055 |
| Core capital (leverage) ratio | 8.9072% | 5,064 |
| Tier 1 risk-based capital ratio | 14.0355% | 3,977 |
| Total risk-based capital ratio | 15.2950% | 3,900 |
| Memoranda: | ||
| Average total assets | $480,710,500 | 1,422 |
| Average earning assets | $457,697,000 | 1,366 |
| Average equity | $48,467,000 | 1,554 |
| Average total loans | $244,986,000 | 1,777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,221 |
| Cost of funding earning assets | 0.3693% | 4,048 |
| Net interest margin | 3.7562% | 2,790 |
| Noninterest income to average assets | 0.0273% | 6,348 |
| Noninterest expense to average assets | 2.8851% | 3,192 |
| Loan and lease loss provision to assets | -0.1669% | 6,249 |
| Net operating income to assets | 0.8528% | 3,107 |
| Return on assets (ROA) | 0.7591% | 3,675 |
| Pretax return on assets | 0.7622% | 4,392 |
| Return on Equity (ROE) | 7.9672% | 3,151 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,627 |
| Net charge-offs to loans | -0.1506% | 6,215 |
| Credit loss provision to net charge-offs | 215.6863% | 1,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7463% | 2,400 |
| Assets per employee ($millions) | 5.1778% | 2,090 |
| Cash dividends to net income (ytd only)* | 54.2392% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 1,822 |
| Loan loss allowance to noncurrent loans | 333.9561% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 3,298 |
| Noncurrent loans to loans | 0.5032% | 4,156 |
| Net loans and leases to total assets | 51.6170% | 4,822 |
| Net loans and leases to deposits | 66.7188% | 4,241 |
| Net loans and leases to core deposits | 71.0464% | 4,216 |
| Total domestic deposits to total assets | 77.3649% | 5,542 |
| Equity capital to assets | 10.0917% | 3,994 |
| Core capital (leverage) ratio | 8.7037% | 5,345 |
| Tier 1 risk-based capital ratio | 14.5333% | 3,756 |
| Total risk-based capital ratio | 15.7858% | 3,695 |
| Memoranda: | ||
| Average total assets | $461,442,600 | 1,449 |
| Average earning assets | $435,710,200 | 1,407 |
| Average equity | $43,967,600 | 1,644 |
| Average total loans | $237,014,600 | 1,783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 3,243 |
| Cost of funding earning assets | 0.3596% | 4,234 |
| Net interest margin | 3.7738% | 2,718 |
| Noninterest income to average assets | -0.1613% | 6,544 |
| Noninterest expense to average assets | 2.8731% | 3,223 |
| Loan and lease loss provision to assets | -0.2230% | 6,408 |
| Net operating income to assets | 0.7392% | 3,728 |
| Return on assets (ROA) | 0.6775% | 4,148 |
| Pretax return on assets | 0.6807% | 4,760 |
| Return on Equity (ROE) | 7.2185% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.3548% | 5,355 |
| Net charge-offs to loans | -0.1112% | 6,172 |
| Credit loss provision to net charge-offs | 392.8571% | 714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4901% | 1,846 |
| Assets per employee ($millions) | 5.2856% | 1,917 |
| Cash dividends to net income (ytd only)* | 81.2313% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 2,253 |
| Loan loss allowance to noncurrent loans | 125.4366% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 2,497 |
| Noncurrent loans to loans | 1.2873% | 2,488 |
| Net loans and leases to total assets | 51.1620% | 4,882 |
| Net loans and leases to deposits | 64.7357% | 4,457 |
| Net loans and leases to core deposits | 69.0931% | 4,405 |
| Total domestic deposits to total assets | 79.0322% | 5,320 |
| Equity capital to assets | 9.5283% | 4,766 |
| Core capital (leverage) ratio | 8.5602% | 5,587 |
| Tier 1 risk-based capital ratio | 14.2407% | 4,058 |
| Total risk-based capital ratio | 15.4926% | 3,984 |
| Memoranda: | ||
| Average total assets | $460,303,750 | 1,459 |
| Average earning assets | $433,470,000 | 1,428 |
| Average equity | $43,202,750 | 1,671 |
| Average total loans | $235,107,000 | 1,799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,064 |
| Cost of funding earning assets | 0.3533% | 4,402 |
| Net interest margin | 3.8190% | 2,488 |
| Noninterest income to average assets | 0.0280% | 6,498 |
| Noninterest expense to average assets | 2.9309% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6724% | 3,977 |
| Return on assets (ROA) | 0.5502% | 4,701 |
| Pretax return on assets | 0.5559% | 5,109 |
| Return on Equity (ROE) | 5.8927% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.1424% | 4,826 |
| Net charge-offs to loans | -0.1457% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2066% | 2,425 |
| Assets per employee ($millions) | 5.1848% | 1,988 |
| Cash dividends to net income (ytd only)* | 63.6436% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 1,299 |
| Loan loss allowance to noncurrent loans | 186.6004% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 2,417 |
| Noncurrent loans to loans | 1.0922% | 3,046 |
| Net loans and leases to total assets | 48.3419% | 5,147 |
| Net loans and leases to deposits | 61.9129% | 4,698 |
| Net loans and leases to core deposits | 65.3025% | 4,703 |
| Total domestic deposits to total assets | 78.0806% | 5,620 |
| Equity capital to assets | 9.6413% | 4,572 |
| Core capital (leverage) ratio | 8.7627% | 5,323 |
| Tier 1 risk-based capital ratio | 15.0285% | 3,621 |
| Total risk-based capital ratio | 16.2849% | 3,561 |
| Memoranda: | ||
| Average total assets | $456,931,330 | 1,468 |
| Average earning assets | $428,589,330 | 1,442 |
| Average equity | $42,662,670 | 1,674 |
| Average total loans | $231,933,670 | 1,811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,963 |
| Cost of funding earning assets | 0.3696% | 4,319 |
| Net interest margin | 3.8058% | 2,448 |
| Noninterest income to average assets | -0.1681% | 6,678 |
| Noninterest expense to average assets | 2.7022% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6845% | 3,760 |
| Return on assets (ROA) | 0.5689% | 4,432 |
| Pretax return on assets | 0.5751% | 4,918 |
| Return on Equity (ROE) | 6.1977% | 3,913 |
| Retained earnings to average equity (ytd only) | -1.5133% | 5,802 |
| Net charge-offs to loans | -0.1633% | 6,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3389% | 2,898 |
| Assets per employee ($millions) | 5.8926% | 1,376 |
| Cash dividends to net income (ytd only)* | 124.4168% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 1,616 |
| Loan loss allowance to noncurrent loans | 178.3784% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 2,288 |
| Noncurrent loans to loans | 1.0949% | 3,231 |
| Net loans and leases to total assets | 51.1184% | 4,780 |
| Net loans and leases to deposits | 63.1815% | 4,414 |
| Net loans and leases to core deposits | 66.5634% | 4,442 |
| Total domestic deposits to total assets | 80.9072% | 5,257 |
| Equity capital to assets | 9.4071% | 4,618 |
| Core capital (leverage) ratio | 8.6892% | 5,398 |
| Tier 1 risk-based capital ratio | 14.0538% | 4,300 |
| Total risk-based capital ratio | 15.3087% | 4,229 |
| Memoranda: | ||
| Average total assets | $452,083,000 | 1,481 |
| Average earning assets | $423,139,000 | 1,463 |
| Average equity | $41,499,500 | 1,721 |
| Average total loans | $232,765,500 | 1,803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,776 |
| Cost of funding earning assets | 0.4794% | 3,822 |
| Net interest margin | 3.6114% | 3,415 |
| Noninterest income to average assets | 0.2583% | 5,500 |
| Noninterest expense to average assets | 3.2044% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4039% | 5,132 |
| Return on assets (ROA) | 0.3899% | 5,287 |
| Pretax return on assets | 0.3910% | 5,516 |
| Return on Equity (ROE) | 4.2436% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.2436% | 3,160 |
| Net charge-offs to loans | 0.4521% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.7749% | 4,451 |
| Efficiency ratio | 84.7353% | 1,545 |
| Assets per employee ($millions) | 5.2992% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 1,611 |
| Loan loss allowance to noncurrent loans | 162.9683% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 1,841 |
| Noncurrent loans to loans | 1.2124% | 3,118 |
| Net loans and leases to total assets | 49.8289% | 5,101 |
| Net loans and leases to deposits | 62.0158% | 4,714 |
| Net loans and leases to core deposits | 63.7829% | 4,888 |
| Total domestic deposits to total assets | 80.3488% | 5,362 |
| Equity capital to assets | 8.9505% | 5,100 |
| Core capital (leverage) ratio | 8.7172% | 5,400 |
| Tier 1 risk-based capital ratio | 13.8782% | 4,375 |
| Total risk-based capital ratio | 15.1326% | 4,318 |
| Memoranda: | ||
| Average total assets | $449,563,200 | 1,478 |
| Average earning assets | $417,173,800 | 1,460 |
| Average equity | $41,309,200 | 1,691 |
| Average total loans | $226,930,600 | 1,804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,777 |
| Cost of funding earning assets | 0.5074% | 3,698 |
| Net interest margin | 3.5883% | 3,501 |
| Noninterest income to average assets | 0.0979% | 6,486 |
| Noninterest expense to average assets | 3.2191% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2032% | 5,905 |
| Return on assets (ROA) | 0.1665% | 6,067 |
| Pretax return on assets | 0.1679% | 6,100 |
| Return on Equity (ROE) | 1.7999% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.7999% | 5,240 |
| Net charge-offs to loans | 0.6366% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.6392% | 4,640 |
| Efficiency ratio | 89.7487% | 1,020 |
| Assets per employee ($millions) | 5.4530% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 1,715 |
| Loan loss allowance to noncurrent loans | 147.3459% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 2.5590% | 1,491 |
| Noncurrent loans to loans | 1.3578% | 3,150 |
| Net loans and leases to total assets | 48.3652% | 5,309 |
| Net loans and leases to deposits | 60.8504% | 4,888 |
| Net loans and leases to core deposits | 61.9046% | 5,128 |
| Total domestic deposits to total assets | 79.4822% | 5,634 |
| Equity capital to assets | 8.6780% | 5,545 |
| Core capital (leverage) ratio | 8.7730% | 5,450 |
| Tier 1 risk-based capital ratio | 13.4032% | 4,835 |
| Total risk-based capital ratio | 14.6574% | 4,771 |
| Memoranda: | ||
| Average total assets | $449,345,250 | 1,485 |
| Average earning assets | $416,528,000 | 1,471 |
| Average equity | $41,557,500 | 1,700 |
| Average total loans | $226,420,500 | 1,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 3,592 |
| Cost of funding earning assets | 0.5473% | 3,450 |
| Net interest margin | 3.5905% | 3,399 |
| Noninterest income to average assets | -0.0638% | 6,838 |
| Noninterest expense to average assets | 3.3806% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1129% | 6,415 |
| Return on assets (ROA) | -0.1017% | 6,450 |
| Pretax return on assets | -0.0995% | 6,432 |
| Return on Equity (ROE) | -1.0776% | 6,462 |
| Retained earnings to average equity (ytd only) | -1.0776% | 6,066 |
| Net charge-offs to loans | 0.9066% | 683 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.2405% | 4,627 |
| Efficiency ratio | 98.9084% | 529 |
| Assets per employee ($millions) | 5.1683% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 1,723 |
| Loan loss allowance to noncurrent loans | 107.0346% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.9317% | 1,392 |
| Noncurrent loans to loans | 1.9231% | 2,480 |
| Net loans and leases to total assets | 50.1261% | 5,099 |
| Net loans and leases to deposits | 61.7273% | 4,770 |
| Net loans and leases to core deposits | 62.8330% | 5,026 |
| Total domestic deposits to total assets | 81.2057% | 5,289 |
| Equity capital to assets | 9.0546% | 5,165 |
| Core capital (leverage) ratio | 8.4613% | 5,712 |
| Tier 1 risk-based capital ratio | 13.9667% | 4,443 |
| Total risk-based capital ratio | 15.2218% | 4,406 |
| Memoranda: | ||
| Average total assets | $448,259,670 | 1,481 |
| Average earning assets | $416,213,670 | 1,467 |
| Average equity | $42,317,670 | 1,668 |
| Average total loans | $227,437,000 | 1,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 3,209 |
| Cost of funding earning assets | 0.6010% | 3,102 |
| Net interest margin | 3.6200% | 3,181 |
| Noninterest income to average assets | 0.0568% | 6,711 |
| Noninterest expense to average assets | 3.0329% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3756% | 5,232 |
| Return on assets (ROA) | 0.2577% | 5,825 |
| Pretax return on assets | 0.2577% | 5,938 |
| Return on Equity (ROE) | 2.6784% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.6784% | 4,681 |
| Net charge-offs to loans | 0.7555% | 805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.9840% | 3,509 |
| Efficiency ratio | 84.7770% | 1,670 |
| Assets per employee ($millions) | 5.0631% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2201% | 1,546 |
| Loan loss allowance to noncurrent loans | 124.0718% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 2.9604% | 1,519 |
| Noncurrent loans to loans | 1.7893% | 2,877 |
| Net loans and leases to total assets | 49.9749% | 4,997 |
| Net loans and leases to deposits | 62.6413% | 4,457 |
| Net loans and leases to core deposits | 63.7318% | 4,773 |
| Total domestic deposits to total assets | 79.7795% | 5,800 |
| Equity capital to assets | 9.7864% | 4,443 |
| Core capital (leverage) ratio | 8.2466% | 5,882 |
| Tier 1 risk-based capital ratio | 13.6735% | 4,743 |
| Total risk-based capital ratio | 14.9341% | 4,698 |
| Memoranda: | ||
| Average total assets | $457,906,500 | 1,469 |
| Average earning assets | $423,978,000 | 1,455 |
| Average equity | $44,056,000 | 1,623 |
| Average total loans | $231,384,000 | 1,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,872 |
| Cost of funding earning assets | 0.9189% | 1,823 |
| Net interest margin | 3.9711% | 2,517 |
| Noninterest income to average assets | 0.1207% | 6,432 |
| Noninterest expense to average assets | 3.0784% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6978% | 3,750 |
| Return on assets (ROA) | 0.8035% | 3,523 |
| Pretax return on assets | 0.8045% | 4,274 |
| Return on Equity (ROE) | 9.5314% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.5314% | 690 |
| Net charge-offs to loans | 0.5564% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.5162% | 4,163 |
| Efficiency ratio | 77.7759% | 2,482 |
| Assets per employee ($millions) | 4.6520% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 1,255 |
| Loan loss allowance to noncurrent loans | 115.8906% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.8592% | 1,670 |
| Noncurrent loans to loans | 2.0601% | 2,627 |
| Net loans and leases to total assets | 48.7772% | 5,331 |
| Net loans and leases to deposits | 61.5354% | 4,841 |
| Net loans and leases to core deposits | 62.7435% | 5,085 |
| Total domestic deposits to total assets | 79.2668% | 5,833 |
| Equity capital to assets | 9.4612% | 4,922 |
| Core capital (leverage) ratio | 7.9823% | 6,211 |
| Tier 1 risk-based capital ratio | 13.7440% | 4,569 |
| Total risk-based capital ratio | 15.0071% | 4,514 |
| Memoranda: | ||
| Average total assets | $466,607,200 | 1,416 |
| Average earning assets | $429,651,000 | 1,403 |
| Average equity | $39,333,200 | 1,769 |
| Average total loans | $232,931,800 | 1,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 1,847 |
| Cost of funding earning assets | 0.9937% | 1,600 |
| Net interest margin | 3.9505% | 2,703 |
| Noninterest income to average assets | 0.1219% | 6,524 |
| Noninterest expense to average assets | 3.1357% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6230% | 4,278 |
| Return on assets (ROA) | 0.7255% | 4,044 |
| Pretax return on assets | 0.7270% | 4,763 |
| Return on Equity (ROE) | 8.8774% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.8774% | 1,276 |
| Net charge-offs to loans | 0.5887% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1254% | 4,204 |
| Efficiency ratio | 79.6568% | 2,143 |
| Assets per employee ($millions) | 4.7256% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 1,210 |
| Loan loss allowance to noncurrent loans | 103.8009% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 1,559 |
| Noncurrent loans to loans | 2.4087% | 2,393 |
| Net loans and leases to total assets | 48.9816% | 5,433 |
| Net loans and leases to deposits | 62.3844% | 4,915 |
| Net loans and leases to core deposits | 63.7220% | 5,184 |
| Total domestic deposits to total assets | 78.5157% | 5,963 |
| Equity capital to assets | 9.0754% | 5,748 |
| Core capital (leverage) ratio | 7.6935% | 6,530 |
| Tier 1 risk-based capital ratio | 13.3182% | 5,005 |
| Total risk-based capital ratio | 14.5828% | 4,964 |
| Memoranda: | ||
| Average total assets | $466,959,750 | 1,432 |
| Average earning assets | $430,042,250 | 1,417 |
| Average equity | $38,163,250 | 1,838 |
| Average total loans | $233,049,750 | 1,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,753 |
| Cost of funding earning assets | 1.0392% | 1,529 |
| Net interest margin | 3.9738% | 2,618 |
| Noninterest income to average assets | 0.0478% | 6,861 |
| Noninterest expense to average assets | 3.1655% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5322% | 4,665 |
| Return on assets (ROA) | 0.9243% | 3,048 |
| Pretax return on assets | 0.9264% | 3,980 |
| Return on Equity (ROE) | 11.7371% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.7371% | 628 |
| Net charge-offs to loans | 0.8654% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,387 |
| Efficiency ratio | 81.7710% | 1,915 |
| Assets per employee ($millions) | 4.7804% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5540% | 1,204 |
| Loan loss allowance to noncurrent loans | 166.0125% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 3.8980% | 1,334 |
| Noncurrent loans to loans | 1.5384% | 3,598 |
| Net loans and leases to total assets | 48.0282% | 5,609 |
| Net loans and leases to deposits | 62.8529% | 4,896 |
| Net loans and leases to core deposits | 64.2363% | 5,188 |
| Total domestic deposits to total assets | 76.4136% | 6,408 |
| Equity capital to assets | 8.3301% | 6,351 |
| Core capital (leverage) ratio | 7.5012% | 6,630 |
| Tier 1 risk-based capital ratio | 12.6293% | 5,473 |
| Total risk-based capital ratio | 13.8932% | 5,439 |
| Memoranda: | ||
| Average total assets | $468,242,670 | 1,428 |
| Average earning assets | $430,313,330 | 1,420 |
| Average equity | $36,874,670 | 1,891 |
| Average total loans | $233,181,000 | 1,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 1,778 |
| Cost of funding earning assets | 1.0472% | 1,695 |
| Net interest margin | 3.9872% | 2,562 |
| Noninterest income to average assets | -0.0527% | 7,143 |
| Noninterest expense to average assets | 3.1430% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4718% | 4,951 |
| Return on assets (ROA) | 1.2863% | 1,665 |
| Pretax return on assets | 1.2863% | 2,588 |
| Return on Equity (ROE) | 16.8118% | 699 |
| Retained earnings to average equity (ytd only) | 16.8118% | 317 |
| Net charge-offs to loans | 1.0140% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.9296% | 3,863 |
| Efficiency ratio | 83.0903% | 1,788 |
| Assets per employee ($millions) | 4.8922% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7185% | 1,094 |
| Loan loss allowance to noncurrent loans | 247.8778% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 3.8195% | 1,460 |
| Noncurrent loans to loans | 1.0967% | 4,498 |
| Net loans and leases to total assets | 47.1234% | 5,665 |
| Net loans and leases to deposits | 62.1833% | 4,883 |
| Net loans and leases to core deposits | 63.8028% | 5,135 |
| Total domestic deposits to total assets | 75.7814% | 6,573 |
| Equity capital to assets | 7.8524% | 6,613 |
| Core capital (leverage) ratio | 7.3764% | 6,698 |
| Tier 1 risk-based capital ratio | 12.2880% | 5,767 |
| Total risk-based capital ratio | 13.5425% | 5,730 |
| Memoranda: | ||
| Average total assets | $470,512,500 | 1,426 |
| Average earning assets | $432,781,500 | 1,414 |
| Average equity | $35,998,500 | 1,928 |
| Average total loans | $235,499,000 | 1,756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5118% | 1,141 |
| Cost of funding earning assets | 1.3486% | 1,245 |
| Net interest margin | 4.1632% | 2,181 |
| Noninterest income to average assets | 0.1047% | 6,621 |
| Noninterest expense to average assets | 3.4339% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5099% | 4,373 |
| Return on assets (ROA) | 0.2827% | 5,472 |
| Pretax return on assets | 0.2838% | 5,604 |
| Return on Equity (ROE) | 3.8605% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.8605% | 3,463 |
| Net charge-offs to loans | 0.4370% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.0822% | 4,216 |
| Efficiency ratio | 83.4802% | 1,822 |
| Assets per employee ($millions) | 5.1262% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8391% | 938 |
| Loan loss allowance to noncurrent loans | 65.3556% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 4.9556% | 1,081 |
| Noncurrent loans to loans | 4.3441% | 1,395 |
| Net loans and leases to total assets | 50.2232% | 5,554 |
| Net loans and leases to deposits | 67.7261% | 4,479 |
| Net loans and leases to core deposits | 70.3918% | 4,732 |
| Total domestic deposits to total assets | 74.1562% | 6,702 |
| Equity capital to assets | 7.4459% | 6,834 |
| Core capital (leverage) ratio | 6.9889% | 6,869 |
| Tier 1 risk-based capital ratio | 11.5079% | 6,156 |
| Total risk-based capital ratio | 12.7714% | 6,136 |
| Memoranda: | ||
| Average total assets | $466,173,400 | 1,415 |
| Average earning assets | $430,005,400 | 1,406 |
| Average equity | $34,140,400 | 1,963 |
| Average total loans | $261,784,000 | 1,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5516% | 1,139 |
| Cost of funding earning assets | 1.3999% | 1,229 |
| Net interest margin | 4.1517% | 2,276 |
| Noninterest income to average assets | 0.2157% | 6,063 |
| Noninterest expense to average assets | 3.1481% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8956% | 2,754 |
| Return on assets (ROA) | 0.7028% | 3,772 |
| Pretax return on assets | 0.7043% | 4,465 |
| Return on Equity (ROE) | 9.6373% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.6373% | 944 |
| Net charge-offs to loans | -0.0235% | 6,938 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3441% | 3,114 |
| Assets per employee ($millions) | 4.9626% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1811% | 739 |
| Loan loss allowance to noncurrent loans | 44.3641% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 6.4047% | 815 |
| Noncurrent loans to loans | 7.1705% | 681 |
| Net loans and leases to total assets | 53.0007% | 5,322 |
| Net loans and leases to deposits | 70.6903% | 4,187 |
| Net loans and leases to core deposits | 79.7581% | 3,675 |
| Total domestic deposits to total assets | 74.9759% | 6,642 |
| Equity capital to assets | 7.9812% | 6,706 |
| Core capital (leverage) ratio | 7.1727% | 6,907 |
| Tier 1 risk-based capital ratio | 11.2093% | 6,424 |
| Total risk-based capital ratio | 12.4777% | 6,395 |
| Memoranda: | ||
| Average total assets | $466,095,750 | 1,425 |
| Average earning assets | $429,915,750 | 1,417 |
| Average equity | $33,992,000 | 1,971 |
| Average total loans | $266,947,750 | 1,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 1,073 |
| Cost of funding earning assets | 1.4127% | 1,363 |
| Net interest margin | 4.1852% | 2,096 |
| Noninterest income to average assets | 0.5226% | 3,680 |
| Noninterest expense to average assets | 3.4682% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9144% | 2,573 |
| Return on assets (ROA) | 0.7160% | 3,576 |
| Pretax return on assets | 0.7181% | 4,325 |
| Return on Equity (ROE) | 10.1318% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.1318% | 818 |
| Net charge-offs to loans | -0.1141% | 7,198 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8974% | 3,032 |
| Assets per employee ($millions) | 5.0150% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0644% | 840 |
| Loan loss allowance to noncurrent loans | 45.1397% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 6.5454% | 812 |
| Noncurrent loans to loans | 6.7887% | 787 |
| Net loans and leases to total assets | 55.8436% | 5,020 |
| Net loans and leases to deposits | 74.9139% | 3,659 |
| Net loans and leases to core deposits | 87.0165% | 2,757 |
| Total domestic deposits to total assets | 74.5438% | 6,780 |
| Equity capital to assets | 7.4594% | 6,968 |
| Core capital (leverage) ratio | 6.9586% | 7,010 |
| Tier 1 risk-based capital ratio | 10.5871% | 6,760 |
| Total risk-based capital ratio | 11.8545% | 6,742 |
| Memoranda: | ||
| Average total assets | $467,619,670 | 1,433 |
| Average earning assets | $431,519,000 | 1,423 |
| Average equity | $33,044,330 | 2,002 |
| Average total loans | $271,714,330 | 1,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6485% | 978 |
| Cost of funding earning assets | 1.4287% | 1,473 |
| Net interest margin | 4.2198% | 1,836 |
| Noninterest income to average assets | 0.4164% | 4,576 |
| Noninterest expense to average assets | 3.1814% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1284% | 1,742 |
| Return on assets (ROA) | 1.0571% | 2,037 |
| Pretax return on assets | 1.0613% | 2,896 |
| Return on Equity (ROE) | 15.3777% | 764 |
| Retained earnings to average equity (ytd only) | 15.3777% | 361 |
| Net charge-offs to loans | 0.1748% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.1083% | 1,580 |
| Efficiency ratio | 70.5141% | 4,161 |
| Assets per employee ($millions) | 4.8132% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8818% | 1,027 |
| Loan loss allowance to noncurrent loans | 40.4815% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 6.8843% | 787 |
| Noncurrent loans to loans | 7.1188% | 762 |
| Net loans and leases to total assets | 56.8077% | 4,846 |
| Net loans and leases to deposits | 76.4494% | 3,349 |
| Net loans and leases to core deposits | 88.9762% | 2,485 |
| Total domestic deposits to total assets | 74.3076% | 6,876 |
| Equity capital to assets | 7.0605% | 7,068 |
| Core capital (leverage) ratio | 6.8593% | 7,064 |
| Tier 1 risk-based capital ratio | 10.1352% | 6,956 |
| Total risk-based capital ratio | 11.4007% | 6,950 |
| Memoranda: | ||
| Average total assets | $470,741,500 | 1,436 |
| Average earning assets | $434,802,500 | 1,418 |
| Average equity | $32,358,500 | 2,021 |
| Average total loans | $274,674,500 | 1,595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 2,287 |
| Cost of funding earning assets | 1.6901% | 1,649 |
| Net interest margin | 3.8086% | 3,906 |
| Noninterest income to average assets | 0.0343% | 7,178 |
| Noninterest expense to average assets | 3.1237% | 3,372 |
| Loan and lease loss provision to assets | 0.3652% | 3,923 |
| Net operating income to assets | 0.0704% | 5,654 |
| Return on assets (ROA) | 0.0120% | 5,936 |
| Pretax return on assets | 0.0129% | 5,872 |
| Return on Equity (ROE) | 0.2017% | 5,901 |
| Retained earnings to average equity (ytd only) | 0.2017% | 5,471 |
| Net charge-offs to loans | 1.2878% | 1,734 |
| Credit loss provision to net charge-offs | 48.6192% | 6,285 |
| Earnings coverage of net charge-offs (x) | 0.5870% | 5,520 |
| Efficiency ratio | 84.1262% | 1,903 |
| Assets per employee ($millions) | 4.4774% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8922% | 963 |
| Loan loss allowance to noncurrent loans | 40.0964% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 6.9498% | 791 |
| Noncurrent loans to loans | 7.2132% | 765 |
| Net loans and leases to total assets | 56.5241% | 5,255 |
| Net loans and leases to deposits | 75.6091% | 3,901 |
| Net loans and leases to core deposits | 89.6216% | 2,817 |
| Total domestic deposits to total assets | 74.7584% | 6,800 |
| Equity capital to assets | 6.6904% | 7,210 |
| Core capital (leverage) ratio | 6.1197% | 7,277 |
| Tier 1 risk-based capital ratio | 9.5099% | 7,135 |
| Total risk-based capital ratio | 10.7759% | 7,140 |
| Memoranda: | ||
| Average total assets | $525,407,800 | 1,272 |
| Average earning assets | $487,026,800 | 1,266 |
| Average equity | $31,237,400 | 2,099 |
| Average total loans | $306,501,400 | 1,461 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 2,636 |
| Cost of funding earning assets | 1.6896% | 1,926 |
| Net interest margin | 3.7623% | 4,126 |
| Noninterest income to average assets | 0.3181% | 5,607 |
| Noninterest expense to average assets | 3.0709% | 3,475 |
| Loan and lease loss provision to assets | 0.4222% | 3,374 |
| Net operating income to assets | 0.3112% | 5,118 |
| Return on assets (ROA) | 0.2574% | 5,480 |
| Pretax return on assets | 0.2587% | 5,591 |
| Return on Equity (ROE) | 4.4531% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.4531% | 3,370 |
| Net charge-offs to loans | 1.5067% | 1,332 |
| Credit loss provision to net charge-offs | 48.0135% | 5,915 |
| Earnings coverage of net charge-offs (x) | 0.8354% | 5,218 |
| Efficiency ratio | 77.4920% | 2,695 |
| Assets per employee ($millions) | 5.0069% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8241% | 985 |
| Loan loss allowance to noncurrent loans | 39.9716% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 6.7328% | 831 |
| Noncurrent loans to loans | 7.0653% | 790 |
| Net loans and leases to total assets | 52.9887% | 5,983 |
| Net loans and leases to deposits | 70.2622% | 5,108 |
| Net loans and leases to core deposits | 93.6150% | 2,577 |
| Total domestic deposits to total assets | 75.4157% | 6,754 |
| Equity capital to assets | 6.3009% | 7,449 |
| Core capital (leverage) ratio | 6.0200% | 7,432 |
| Tier 1 risk-based capital ratio | 9.2750% | 7,308 |
| Total risk-based capital ratio | 10.5402% | 7,314 |
| Memoranda: | ||
| Average total assets | $538,108,250 | 1,258 |
| Average earning assets | $498,790,500 | 1,247 |
| Average equity | $31,108,500 | 2,122 |
| Average total loans | $314,062,500 | 1,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 2,251 |
| Cost of funding earning assets | 1.7086% | 2,077 |
| Net interest margin | 3.8608% | 3,631 |
| Noninterest income to average assets | 0.3674% | 5,203 |
| Noninterest expense to average assets | 3.0708% | 3,427 |
| Loan and lease loss provision to assets | 0.4917% | 2,837 |
| Net operating income to assets | 0.3839% | 4,830 |
| Return on assets (ROA) | 0.3289% | 5,233 |
| Pretax return on assets | 0.3308% | 5,420 |
| Return on Equity (ROE) | 5.8620% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.8620% | 2,411 |
| Net charge-offs to loans | 0.8130% | 2,215 |
| Credit loss provision to net charge-offs | 101.4504% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.8115% | 4,160 |
| Efficiency ratio | 74.6932% | 3,333 |
| Assets per employee ($millions) | 4.9813% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2890% | 647 |
| Loan loss allowance to noncurrent loans | 44.1323% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 6.7132% | 811 |
| Noncurrent loans to loans | 7.4526% | 722 |
| Net loans and leases to total assets | 55.3723% | 5,803 |
| Net loans and leases to deposits | 73.3113% | 4,793 |
| Net loans and leases to core deposits | 99.0658% | 2,115 |
| Total domestic deposits to total assets | 75.5303% | 6,770 |
| Equity capital to assets | 6.0199% | 7,537 |
| Core capital (leverage) ratio | 5.8577% | 7,501 |
| Tier 1 risk-based capital ratio | 8.7672% | 7,454 |
| Total risk-based capital ratio | 10.0377% | 7,463 |
| Memoranda: | ||
| Average total assets | $540,567,000 | 1,256 |
| Average earning assets | $501,456,330 | 1,250 |
| Average equity | $30,331,000 | 2,173 |
| Average total loans | $322,283,000 | 1,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 1,367 |
| Cost of funding earning assets | 1.7376% | 2,197 |
| Net interest margin | 4.0953% | 2,461 |
| Noninterest income to average assets | 0.3446% | 5,386 |
| Noninterest expense to average assets | 3.7865% | 1,349 |
| Loan and lease loss provision to assets | -0.0874% | 7,866 |
| Net operating income to assets | 0.4459% | 4,632 |
| Return on assets (ROA) | 0.3630% | 5,134 |
| Pretax return on assets | 0.3667% | 5,393 |
| Return on Equity (ROE) | 6.7089% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.7089% | 2,266 |
| Net charge-offs to loans | 0.5018% | 2,560 |
| Credit loss provision to net charge-offs | -28.6747% | 5,981 |
| Earnings coverage of net charge-offs (x) | 1.1904% | 4,054 |
| Efficiency ratio | 88.3478% | 1,555 |
| Assets per employee ($millions) | 4.9047% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9715% | 846 |
| Loan loss allowance to noncurrent loans | 45.6400% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 6.1122% | 966 |
| Noncurrent loans to loans | 6.5107% | 958 |
| Net loans and leases to total assets | 58.4621% | 5,359 |
| Net loans and leases to deposits | 77.0333% | 4,218 |
| Net loans and leases to core deposits | 105.0272% | 1,655 |
| Total domestic deposits to total assets | 75.8920% | 6,776 |
| Equity capital to assets | 5.7078% | 7,657 |
| Core capital (leverage) ratio | 5.6150% | 7,636 |
| Tier 1 risk-based capital ratio | 7.9956% | 7,613 |
| Total risk-based capital ratio | 9.2641% | 7,620 |
| Memoranda: | ||
| Average total assets | $544,351,500 | 1,284 |
| Average earning assets | $505,748,500 | 1,261 |
| Average equity | $29,453,500 | 2,248 |
| Average total loans | $330,839,500 | 1,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 1,664 |
| Cost of funding earning assets | 2.0022% | 2,954 |
| Net interest margin | 4.0510% | 2,648 |
| Noninterest income to average assets | -0.0246% | 7,739 |
| Noninterest expense to average assets | 4.4805% | 812 |
| Loan and lease loss provision to assets | 3.0129% | 576 |
| Net operating income to assets | -3.8134% | 7,578 |
| Return on assets (ROA) | -3.9103% | 7,588 |
| Pretax return on assets | -3.9095% | 7,504 |
| Return on Equity (ROE) | -50.9882% | 7,692 |
| Retained earnings to average equity (ytd only) | -52.4082% | 7,696 |
| Net charge-offs to loans | 3.5363% | 546 |
| Credit loss provision to net charge-offs | 132.3532% | 3,790 |
| Earnings coverage of net charge-offs (x) | -0.3513% | 6,583 |
| Efficiency ratio | 89.2349% | 1,773 |
| Assets per employee ($millions) | 5.1284% | 2,044 |
| Cash dividends to net income (ytd only)* | -2.7850% | 7,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9248% | 827 |
| Loan loss allowance to noncurrent loans | 53.6267% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 5.2248% | 1,143 |
| Noncurrent loans to loans | 5.4541% | 1,191 |
| Net loans and leases to total assets | 59.4815% | 5,421 |
| Net loans and leases to deposits | 77.5723% | 4,459 |
| Net loans and leases to core deposits | 81.2565% | 5,980 |
| Total domestic deposits to total assets | 76.6787% | 6,555 |
| Equity capital to assets | 5.1292% | 7,778 |
| Core capital (leverage) ratio | 5.3693% | 7,731 |
| Tier 1 risk-based capital ratio | 7.4716% | 7,701 |
| Total risk-based capital ratio | 8.7390% | 7,706 |
| Memoranda: | ||
| Average total assets | $576,651,200 | 1,206 |
| Average earning assets | $527,475,200 | 1,203 |
| Average equity | $44,224,000 | 1,510 |
| Average total loans | $371,211,600 | 1,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1121% | 1,605 |
| Cost of funding earning assets | 2.0864% | 2,953 |
| Net interest margin | 4.0258% | 2,702 |
| Noninterest income to average assets | 0.1682% | 7,009 |
| Noninterest expense to average assets | 3.1945% | 3,318 |
| Loan and lease loss provision to assets | 1.6601% | 1,130 |
| Net operating income to assets | -1.0172% | 6,849 |
| Return on assets (ROA) | -0.9463% | 6,801 |
| Pretax return on assets | -0.9451% | 6,641 |
| Return on Equity (ROE) | -11.4286% | 6,983 |
| Retained earnings to average equity (ytd only) | -13.1689% | 7,018 |
| Net charge-offs to loans | 2.4690% | 743 |
| Credit loss provision to net charge-offs | 103.2539% | 4,931 |
| Earnings coverage of net charge-offs (x) | 0.4006% | 5,627 |
| Efficiency ratio | 80.2798% | 2,799 |
| Assets per employee ($millions) | 4.4072% | 3,018 |
| Cash dividends to net income (ytd only)* | -15.2279% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 2,613 |
| Loan loss allowance to noncurrent loans | 40.0865% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 5.5407% | 1,027 |
| Noncurrent loans to loans | 4.2512% | 1,693 |
| Net loans and leases to total assets | 64.0767% | 4,853 |
| Net loans and leases to deposits | 88.3330% | 2,898 |
| Net loans and leases to core deposits | 93.4112% | 5,081 |
| Total domestic deposits to total assets | 72.5399% | 7,140 |
| Equity capital to assets | 8.4848% | 6,266 |
| Core capital (leverage) ratio | 7.4198% | 7,059 |
| Tier 1 risk-based capital ratio | 9.3286% | 7,479 |
| Total risk-based capital ratio | 10.5810% | 7,460 |
| Memoranda: | ||
| Average total assets | $581,066,250 | 1,204 |
| Average earning assets | $529,775,500 | 1,209 |
| Average equity | $48,112,000 | 1,416 |
| Average total loans | $378,386,000 | 1,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 2,370 |
| Cost of funding earning assets | 2.1268% | 3,154 |
| Net interest margin | 3.8265% | 3,431 |
| Noninterest income to average assets | 0.2778% | 6,279 |
| Noninterest expense to average assets | 3.0224% | 4,001 |
| Loan and lease loss provision to assets | 1.1186% | 1,532 |
| Net operating income to assets | -0.2818% | 6,308 |
| Return on assets (ROA) | 0.0054% | 5,901 |
| Pretax return on assets | 0.0071% | 5,855 |
| Return on Equity (ROE) | 0.0659% | 5,900 |
| Retained earnings to average equity (ytd only) | -2.5202% | 5,868 |
| Net charge-offs to loans | 1.8939% | 991 |
| Credit loss provision to net charge-offs | 90.7245% | 4,898 |
| Earnings coverage of net charge-offs (x) | 0.6065% | 5,104 |
| Efficiency ratio | 77.2234% | 3,469 |
| Assets per employee ($millions) | 4.6627% | 2,510 |
| Cash dividends to net income (ytd only)* | 3,925.0000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,008 |
| Loan loss allowance to noncurrent loans | 35.7289% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 6.0161% | 805 |
| Noncurrent loans to loans | 4.2967% | 1,529 |
| Net loans and leases to total assets | 65.1377% | 4,735 |
| Net loans and leases to deposits | 90.4665% | 2,754 |
| Net loans and leases to core deposits | 96.3846% | 4,858 |
| Total domestic deposits to total assets | 72.0020% | 7,243 |
| Equity capital to assets | 8.4225% | 6,162 |
| Core capital (leverage) ratio | 7.8808% | 6,518 |
| Tier 1 risk-based capital ratio | 9.7377% | 7,195 |
| Total risk-based capital ratio | 10.9882% | 7,138 |
| Memoranda: | ||
| Average total assets | $591,121,000 | 1,206 |
| Average earning assets | $539,502,330 | 1,200 |
| Average equity | $48,568,330 | 1,423 |
| Average total loans | $384,808,000 | 1,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8420% | 3,083 |
| Cost of funding earning assets | 2.1560% | 3,386 |
| Net interest margin | 3.6860% | 3,960 |
| Noninterest income to average assets | 0.3786% | 5,401 |
| Noninterest expense to average assets | 2.8300% | 4,425 |
| Loan and lease loss provision to assets | 1.0959% | 1,198 |
| Net operating income to assets | -0.1688% | 6,507 |
| Return on assets (ROA) | 0.1840% | 5,882 |
| Pretax return on assets | 0.1873% | 5,973 |
| Return on Equity (ROE) | 2.2660% | 5,681 |
| Retained earnings to average equity (ytd only) | -0.4990% | 5,764 |
| Net charge-offs to loans | 2.8335% | 460 |
| Credit loss provision to net charge-offs | 59.8694% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.5044% | 4,580 |
| Efficiency ratio | 72.5004% | 4,104 |
| Assets per employee ($millions) | 4.5022% | 2,714 |
| Cash dividends to net income (ytd only)* | 122.0217% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,023 |
| Loan loss allowance to noncurrent loans | 27.5375% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 5.8568% | 698 |
| Noncurrent loans to loans | 4.7536% | 1,168 |
| Net loans and leases to total assets | 64.3042% | 4,932 |
| Net loans and leases to deposits | 89.1877% | 3,073 |
| Net loans and leases to core deposits | 94.6506% | 5,097 |
| Total domestic deposits to total assets | 72.0999% | 7,194 |
| Equity capital to assets | 8.0067% | 6,799 |
| Core capital (leverage) ratio | 7.6460% | 6,962 |
| Tier 1 risk-based capital ratio | 9.7576% | 7,192 |
| Total risk-based capital ratio | 10.8772% | 7,249 |
| Memoranda: | ||
| Average total assets | $602,254,000 | 1,187 |
| Average earning assets | $551,383,500 | 1,178 |
| Average equity | $48,896,500 | 1,413 |
| Average total loans | $389,054,000 | 1,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 6,957 |
| Cost of funding earning assets | 2.1798% | 5,683 |
| Net interest margin | 3.4603% | 5,438 |
| Noninterest income to average assets | 0.4836% | 4,769 |
| Noninterest expense to average assets | 2.7415% | 5,085 |
| Loan and lease loss provision to assets | 0.8688% | 1,718 |
| Net operating income to assets | 0.0640% | 6,198 |
| Return on assets (ROA) | 0.0828% | 5,991 |
| Pretax return on assets | 0.0845% | 5,978 |
| Return on Equity (ROE) | 0.9851% | 5,923 |
| Retained earnings to average equity (ytd only) | -3.4838% | 6,227 |
| Net charge-offs to loans | 1.2300% | 981 |
| Credit loss provision to net charge-offs | 108.3248% | 4,961 |
| Earnings coverage of net charge-offs (x) | 1.1647% | 5,543 |
| Efficiency ratio | 73.0953% | 3,730 |
| Assets per employee ($millions) | 4.5199% | 2,585 |
| Cash dividends to net income (ytd only)* | 453.6634% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 2,500 |
| Loan loss allowance to noncurrent loans | 28.7010% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 5.4448% | 600 |
| Noncurrent loans to loans | 5.3648% | 784 |
| Net loans and leases to total assets | 63.0861% | 5,439 |
| Net loans and leases to deposits | 91.9149% | 3,147 |
| Net loans and leases to core deposits | 96.3451% | 5,223 |
| Total domestic deposits to total assets | 68.6354% | 7,416 |
| Equity capital to assets | 8.2250% | 6,514 |
| Core capital (leverage) ratio | 7.3289% | 7,384 |
| Tier 1 risk-based capital ratio | 9.7102% | 7,067 |
| Total risk-based capital ratio | 10.9618% | 6,973 |
| Memoranda: | ||
| Average total assets | $609,546,000 | 1,113 |
| Average earning assets | $562,287,600 | 1,096 |
| Average equity | $51,266,200 | 1,315 |
| Average total loans | $397,482,000 | 1,220 |