Home > Industrial Bank > Performance and Condition Ratios
Industrial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 2,187 |
| Cost of funding earning assets | 0.6104% | 4,055 |
| Net interest margin | 4.3356% | 767 |
| Noninterest income to average assets | 1.1600% | 516 |
| Noninterest expense to average assets | 4.0455% | 353 |
| Loan and lease loss provision to assets | 0.7100% | 112 |
| Net operating income to assets | 0.2932% | 4,039 |
| Return on assets (ROA) | 0.2944% | 4,033 |
| Pretax return on assets | 0.4089% | 3,945 |
| Return on Equity (ROE) | 2.2200% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.2222% | 3,527 |
| Net charge-offs to loans | 1.1197% | 90 |
| Credit loss provision to net charge-offs | 126.3672% | 1,626 |
| Earnings coverage of net charge-offs (x) | 1.9839% | 2,731 |
| Efficiency ratio | 78.1338% | 1,060 |
| Assets per employee ($millions) | 5.2055% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 243 |
| Loan loss allowance to noncurrent loans | 48.1362% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.4937% | 92 |
| Noncurrent loans to loans | 4.8093% | 57 |
| Net loans and leases to total assets | 49.4600% | 3,629 |
| Net loans and leases to deposits | 60.6003% | 3,486 |
| Net loans and leases to core deposits | 63.4742% | 3,613 |
| Total domestic deposits to total assets | 81.6200% | 3,197 |
| Equity capital to assets | 13.5637% | 756 |
| Core capital (leverage) ratio | 15.9185% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6022% | 280 |
| Memoranda: | ||
| Average total assets | $724,179,200 | 1,270 |
| Average earning assets | $669,595,400 | 1,280 |
| Average equity | $95,939,600 | 977 |
| Average total loans | $365,806,200 | 1,557 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 2,162 |
| Cost of funding earning assets | 0.5058% | 4,126 |
| Net interest margin | 4.3439% | 758 |
| Noninterest income to average assets | 1.2700% | 471 |
| Noninterest expense to average assets | 4.1115% | 338 |
| Loan and lease loss provision to assets | 0.9100% | 73 |
| Net operating income to assets | 0.1917% | 4,236 |
| Return on assets (ROA) | 0.1860% | 4,260 |
| Pretax return on assets | 0.2584% | 4,199 |
| Return on Equity (ROE) | 1.4100% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.4126% | 3,861 |
| Net charge-offs to loans | 1.4925% | 57 |
| Credit loss provision to net charge-offs | 121.0268% | 1,478 |
| Earnings coverage of net charge-offs (x) | 1.5628% | 2,526 |
| Efficiency ratio | 77.5702% | 1,042 |
| Assets per employee ($millions) | 4.9527% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2374% | 280 |
| Loan loss allowance to noncurrent loans | 49.6179% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3638% | 103 |
| Noncurrent loans to loans | 4.5092% | 64 |
| Net loans and leases to total assets | 49.9800% | 3,618 |
| Net loans and leases to deposits | 57.9572% | 3,607 |
| Net loans and leases to core deposits | 60.4800% | 3,683 |
| Total domestic deposits to total assets | 86.2400% | 2,120 |
| Equity capital to assets | 12.5056% | 922 |
| Core capital (leverage) ratio | 15.9172% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3072% | 292 |
| Memoranda: | ||
| Average total assets | $720,428,750 | 1,276 |
| Average earning assets | $666,417,250 | 1,279 |
| Average equity | $94,859,500 | 981 |
| Average total loans | $363,684,500 | 1,560 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 1,854 |
| Cost of funding earning assets | 0.3602% | 4,227 |
| Net interest margin | 4.5028% | 601 |
| Noninterest income to average assets | 1.5900% | 306 |
| Noninterest expense to average assets | 4.1397% | 316 |
| Loan and lease loss provision to assets | 1.3100% | 44 |
| Net operating income to assets | 0.2228% | 4,253 |
| Return on assets (ROA) | 0.2231% | 4,276 |
| Pretax return on assets | 0.3098% | 4,221 |
| Return on Equity (ROE) | 1.6700% | 4,308 |
| Retained earnings to average equity (ytd only) | 1.6653% | 3,788 |
| Net charge-offs to loans | 2.2842% | 38 |
| Credit loss provision to net charge-offs | 114.0419% | 1,356 |
| Earnings coverage of net charge-offs (x) | 1.4100% | 2,367 |
| Efficiency ratio | 71.7132% | 1,590 |
| Assets per employee ($millions) | 4.7797% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2080% | 301 |
| Loan loss allowance to noncurrent loans | 49.0003% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.3544% | 106 |
| Noncurrent loans to loans | 4.5061% | 66 |
| Net loans and leases to total assets | 51.1000% | 3,482 |
| Net loans and leases to deposits | 60.0882% | 3,409 |
| Net loans and leases to core deposits | 62.8308% | 3,503 |
| Total domestic deposits to total assets | 85.0300% | 2,539 |
| Equity capital to assets | 13.6002% | 702 |
| Core capital (leverage) ratio | 15.9674% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9762% | 278 |
| Memoranda: | ||
| Average total assets | $714,587,667 | 1,276 |
| Average earning assets | $661,892,000 | 1,279 |
| Average equity | $95,717,667 | 971 |
| Average total loans | $359,156,000 | 1,563 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 1,301 |
| Cost of funding earning assets | 0.2608% | 4,275 |
| Net interest margin | 4.7006% | 440 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.8364% | 398 |
| Loan and lease loss provision to assets | 2.4700% | 20 |
| Net operating income to assets | -0.9970% | 4,621 |
| Return on assets (ROA) | -0.9908% | 4,612 |
| Pretax return on assets | -1.3763% | 4,623 |
| Return on Equity (ROE) | -7.4500% | 4,578 |
| Retained earnings to average equity (ytd only) | -7.4535% | 4,411 |
| Net charge-offs to loans | 0.0938% | 616 |
| Credit loss provision to net charge-offs | 5,336.1446% | 90 |
| Earnings coverage of net charge-offs (x) | 23.4217% | 1,407 |
| Efficiency ratio | 77.7627% | 1,023 |
| Assets per employee ($millions) | 4.9886% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2662% | 113 |
| Loan loss allowance to noncurrent loans | 54.5093% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 3.0683% | 49 |
| Noncurrent loans to loans | 5.9920% | 42 |
| Net loans and leases to total assets | 49.5300% | 3,530 |
| Net loans and leases to deposits | 58.2967% | 3,437 |
| Net loans and leases to core deposits | 59.9279% | 3,544 |
| Total domestic deposits to total assets | 84.9700% | 2,871 |
| Equity capital to assets | 13.4901% | 673 |
| Core capital (leverage) ratio | 15.5420% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5937% | 284 |
| Memoranda: | ||
| Average total assets | $718,181,000 | 1,287 |
| Average earning assets | $667,147,000 | 1,290 |
| Average equity | $95,472,500 | 984 |
| Average total loans | $353,928,500 | 1,602 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 2,381 |
| Cost of funding earning assets | 0.0629% | 4,533 |
| Net interest margin | 3.6954% | 1,392 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 3.8750% | 359 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.1657% | 4,471 |
| Return on assets (ROA) | 0.1502% | 4,467 |
| Pretax return on assets | 0.2087% | 4,440 |
| Return on Equity (ROE) | 1.2400% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.2406% | 4,150 |
| Net charge-offs to loans | 0.0833% | 830 |
| Credit loss provision to net charge-offs | 362.8253% | 813 |
| Earnings coverage of net charge-offs (x) | 9.3123% | 2,228 |
| Efficiency ratio | 90.8037% | 283 |
| Assets per employee ($millions) | 5.2773% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 503 |
| Loan loss allowance to noncurrent loans | 47.4701% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.9190% | 128 |
| Noncurrent loans to loans | 4.0500% | 89 |
| Net loans and leases to total assets | 46.4700% | 3,774 |
| Net loans and leases to deposits | 54.3207% | 3,665 |
| Net loans and leases to core deposits | 55.9178% | 3,721 |
| Total domestic deposits to total assets | 85.5500% | 2,842 |
| Equity capital to assets | 13.0998% | 685 |
| Core capital (leverage) ratio | 16.1339% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8031% | 224 |
| Memoranda: | ||
| Average total assets | $669,732,800 | 1,346 |
| Average earning assets | $623,235,800 | 1,343 |
| Average equity | $81,090,400 | 1,117 |
| Average total loans | $322,845,200 | 1,629 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 2,492 |
| Cost of funding earning assets | 0.0495% | 4,583 |
| Net interest margin | 3.4888% | 1,694 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.8600% | 358 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.0581% | 4,565 |
| Return on assets (ROA) | 0.0362% | 4,546 |
| Pretax return on assets | 0.0502% | 4,540 |
| Return on Equity (ROE) | 0.3100% | 4,539 |
| Retained earnings to average equity (ytd only) | 0.3055% | 4,293 |
| Net charge-offs to loans | 0.0642% | 848 |
| Credit loss provision to net charge-offs | 475.1634% | 631 |
| Earnings coverage of net charge-offs (x) | 7.2614% | 2,083 |
| Efficiency ratio | 94.0293% | 228 |
| Assets per employee ($millions) | 5.1009% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 536 |
| Loan loss allowance to noncurrent loans | 47.3059% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 135 |
| Noncurrent loans to loans | 4.1394% | 88 |
| Net loans and leases to total assets | 46.9200% | 3,713 |
| Net loans and leases to deposits | 55.4689% | 3,519 |
| Net loans and leases to core deposits | 57.1415% | 3,555 |
| Total domestic deposits to total assets | 84.5900% | 3,370 |
| Equity capital to assets | 13.5304% | 611 |
| Core capital (leverage) ratio | 16.7891% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9612% | 222 |
| Memoranda: | ||
| Average total assets | $656,417,250 | 1,374 |
| Average earning assets | $611,002,750 | 1,376 |
| Average equity | $77,685,250 | 1,172 |
| Average total loans | $317,914,000 | 1,644 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3349% | 2,626 |
| Cost of funding earning assets | 0.0448% | 4,622 |
| Net interest margin | 3.2901% | 1,936 |
| Noninterest income to average assets | 0.9069% | 829 |
| Noninterest expense to average assets | 3.7889% | 326 |
| Loan and lease loss provision to assets | 0.1084% | 917 |
| Net operating income to assets | 0.0585% | 4,548 |
| Return on assets (ROA) | 0.0372% | 4,529 |
| Pretax return on assets | 0.0508% | 4,517 |
| Return on Equity (ROE) | 0.3077% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.3077% | 4,134 |
| Net charge-offs to loans | 0.0350% | 1,040 |
| Credit loss provision to net charge-offs | 636.3636% | 545 |
| Earnings coverage of net charge-offs (x) | 10.9273% | 1,743 |
| Efficiency ratio | 94.8258% | 270 |
| Assets per employee ($millions) | 5.0381% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 638 |
| Loan loss allowance to noncurrent loans | 46.2299% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9349% | 150 |
| Noncurrent loans to loans | 4.1496% | 88 |
| Net loans and leases to total assets | 45.7346% | 3,728 |
| Net loans and leases to deposits | 56.4532% | 3,347 |
| Net loans and leases to core deposits | 58.1051% | 3,415 |
| Total domestic deposits to total assets | 81.0133% | 4,131 |
| Equity capital to assets | 17.1311% | 270 |
| Core capital (leverage) ratio | 20.6895% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1655% | 135 |
| Memoranda: | ||
| Average total assets | $645,683,333 | 1,392 |
| Average earning assets | $602,115,000 | 1,399 |
| Average equity | $78,002,000 | 1,195 |
| Average total loans | $314,037,333 | 1,653 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 1,775 |
| Cost of funding earning assets | 0.0481% | 4,616 |
| Net interest margin | 3.4633% | 1,153 |
| Noninterest income to average assets | 0.9393% | 777 |
| Noninterest expense to average assets | 3.9293% | 295 |
| Loan and lease loss provision to assets | 0.0648% | 1,259 |
| Net operating income to assets | 0.1313% | 4,431 |
| Return on assets (ROA) | 0.1065% | 4,432 |
| Pretax return on assets | 0.1456% | 4,396 |
| Return on Equity (ROE) | 1.1472% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.1472% | 3,791 |
| Net charge-offs to loans | 0.0284% | 1,034 |
| Credit loss provision to net charge-offs | 459.0909% | 546 |
| Earnings coverage of net charge-offs (x) | 17.1364% | 1,326 |
| Efficiency ratio | 93.6933% | 395 |
| Assets per employee ($millions) | 4.8547% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 763 |
| Loan loss allowance to noncurrent loans | 46.2793% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.0718% | 133 |
| Noncurrent loans to loans | 4.0706% | 94 |
| Net loans and leases to total assets | 49.9372% | 3,184 |
| Net loans and leases to deposits | 56.0979% | 3,261 |
| Net loans and leases to core deposits | 57.8296% | 3,309 |
| Total domestic deposits to total assets | 89.0180% | 2,075 |
| Equity capital to assets | 8.5766% | 3,098 |
| Core capital (leverage) ratio | 9.8763% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2822% | 861 |
| Memoranda: | ||
| Average total assets | $623,418,500 | 1,446 |
| Average earning assets | $581,765,500 | 1,449 |
| Average equity | $57,882,500 | 1,528 |
| Average total loans | $310,136,000 | 1,661 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 2,145 |
| Cost of funding earning assets | 0.0913% | 4,448 |
| Net interest margin | 3.5971% | 1,477 |
| Noninterest income to average assets | 1.7006% | 397 |
| Noninterest expense to average assets | 4.3484% | 229 |
| Loan and lease loss provision to assets | 0.1357% | 899 |
| Net operating income to assets | 0.4280% | 4,227 |
| Return on assets (ROA) | 0.4244% | 4,274 |
| Pretax return on assets | 0.5895% | 4,125 |
| Return on Equity (ROE) | 4.4523% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.2139% | 3,124 |
| Net charge-offs to loans | 0.0326% | 1,586 |
| Credit loss provision to net charge-offs | 760.3774% | 626 |
| Earnings coverage of net charge-offs (x) | 40.8962% | 1,426 |
| Efficiency ratio | 85.0754% | 515 |
| Assets per employee ($millions) | 4.5988% | 4,041 |
| Cash dividends to net income (ytd only)* | 5.3550% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 683 |
| Loan loss allowance to noncurrent loans | 38.8926% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4169% | 111 |
| Noncurrent loans to loans | 4.9723% | 74 |
| Net loans and leases to total assets | 47.6667% | 3,521 |
| Net loans and leases to deposits | 54.3881% | 3,566 |
| Net loans and leases to core deposits | 56.1571% | 3,606 |
| Total domestic deposits to total assets | 87.6418% | 2,226 |
| Equity capital to assets | 9.9882% | 2,666 |
| Core capital (leverage) ratio | 10.0767% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7376% | 786 |
| Memoranda: | ||
| Average total assets | $594,014,600 | 1,466 |
| Average earning assets | $557,752,000 | 1,461 |
| Average equity | $56,621,800 | 1,593 |
| Average total loans | $325,591,400 | 1,607 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 2,074 |
| Cost of funding earning assets | 0.1024% | 4,482 |
| Net interest margin | 3.6731% | 1,400 |
| Noninterest income to average assets | 2.0358% | 340 |
| Noninterest expense to average assets | 4.3257% | 239 |
| Loan and lease loss provision to assets | 0.1834% | 583 |
| Net operating income to assets | 0.7035% | 3,758 |
| Return on assets (ROA) | 0.7001% | 3,832 |
| Pretax return on assets | 0.9726% | 3,537 |
| Return on Equity (ROE) | 7.4400% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.4400% | 2,258 |
| Net charge-offs to loans | 0.0250% | 1,543 |
| Credit loss provision to net charge-offs | 1,300.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 82.2742% | 970 |
| Efficiency ratio | 78.3108% | 849 |
| Assets per employee ($millions) | 4.5343% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 750 |
| Loan loss allowance to noncurrent loans | 44.0536% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 156 |
| Noncurrent loans to loans | 4.3379% | 105 |
| Net loans and leases to total assets | 49.3005% | 3,493 |
| Net loans and leases to deposits | 56.3471% | 3,550 |
| Net loans and leases to core deposits | 58.2595% | 3,605 |
| Total domestic deposits to total assets | 87.4944% | 2,111 |
| Equity capital to assets | 10.4499% | 2,494 |
| Core capital (leverage) ratio | 10.5327% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5573% | 743 |
| Memoranda: | ||
| Average total assets | $586,159,000 | 1,501 |
| Average earning assets | $550,587,500 | 1,490 |
| Average equity | $55,159,750 | 1,651 |
| Average total loans | $330,988,250 | 1,618 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 1,618 |
| Cost of funding earning assets | 0.1173% | 4,458 |
| Net interest margin | 3.8628% | 1,038 |
| Noninterest income to average assets | 2.4118% | 262 |
| Noninterest expense to average assets | 4.4886% | 222 |
| Loan and lease loss provision to assets | 0.1934% | 578 |
| Net operating income to assets | 0.9717% | 2,995 |
| Return on assets (ROA) | 0.9684% | 3,088 |
| Pretax return on assets | 1.3518% | 2,473 |
| Return on Equity (ROE) | 10.7133% | 2,523 |
| Retained earnings to average equity (ytd only) | 10.7133% | 1,191 |
| Net charge-offs to loans | -0.0320% | 4,178 |
| Credit loss provision to net charge-offs | -1,031.4815% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8168% | 1,258 |
| Assets per employee ($millions) | 4.2302% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 861 |
| Loan loss allowance to noncurrent loans | 49.2682% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 210 |
| Noncurrent loans to loans | 3.6819% | 166 |
| Net loans and leases to total assets | 52.9178% | 3,262 |
| Net loans and leases to deposits | 60.3693% | 3,362 |
| Net loans and leases to core deposits | 62.2258% | 3,443 |
| Total domestic deposits to total assets | 87.6568% | 2,013 |
| Equity capital to assets | 10.0448% | 2,813 |
| Core capital (leverage) ratio | 9.8744% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8970% | 979 |
| Memoranda: | ||
| Average total assets | $575,989,667 | 1,511 |
| Average earning assets | $540,695,333 | 1,505 |
| Average equity | $52,066,000 | 1,713 |
| Average total loans | $338,003,333 | 1,601 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 2,398 |
| Cost of funding earning assets | 0.1360% | 4,408 |
| Net interest margin | 3.5496% | 1,697 |
| Noninterest income to average assets | 4.0861% | 145 |
| Noninterest expense to average assets | 4.6497% | 195 |
| Loan and lease loss provision to assets | 0.2170% | 540 |
| Net operating income to assets | 1.8437% | 728 |
| Return on assets (ROA) | 1.8370% | 790 |
| Pretax return on assets | 2.5393% | 408 |
| Return on Equity (ROE) | 21.5738% | 425 |
| Retained earnings to average equity (ytd only) | 21.5738% | 223 |
| Net charge-offs to loans | -0.0495% | 4,388 |
| Credit loss provision to net charge-offs | -716.2791% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2649% | 2,711 |
| Assets per employee ($millions) | 4.0847% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,227 |
| Loan loss allowance to noncurrent loans | 57.1222% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 335 |
| Noncurrent loans to loans | 2.8475% | 287 |
| Net loans and leases to total assets | 58.0709% | 2,791 |
| Net loans and leases to deposits | 64.9803% | 3,027 |
| Net loans and leases to core deposits | 66.9829% | 3,158 |
| Total domestic deposits to total assets | 89.3669% | 1,142 |
| Equity capital to assets | 8.4966% | 4,120 |
| Core capital (leverage) ratio | 8.2817% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3580% | 1,791 |
| Memoranda: | ||
| Average total assets | $567,870,500 | 1,520 |
| Average earning assets | $532,459,500 | 1,508 |
| Average equity | $48,355,000 | 1,809 |
| Average total loans | $347,413,000 | 1,570 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 2,726 |
| Cost of funding earning assets | 0.3448% | 3,896 |
| Net interest margin | 3.6544% | 1,962 |
| Noninterest income to average assets | 2.9704% | 197 |
| Noninterest expense to average assets | 4.6838% | 225 |
| Loan and lease loss provision to assets | 0.3333% | 1,067 |
| Net operating income to assets | 1.0099% | 2,257 |
| Return on assets (ROA) | 1.0117% | 2,395 |
| Pretax return on assets | 1.3839% | 1,707 |
| Return on Equity (ROE) | 13.0941% | 1,018 |
| Retained earnings to average equity (ytd only) | 12.5702% | 271 |
| Net charge-offs to loans | 0.1374% | 1,172 |
| Credit loss provision to net charge-offs | 385.3608% | 1,476 |
| Earnings coverage of net charge-offs (x) | 19.8289% | 1,958 |
| Efficiency ratio | 72.5819% | 1,618 |
| Assets per employee ($millions) | 3.8875% | 4,449 |
| Cash dividends to net income (ytd only)* | 4.0007% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,734 |
| Loan loss allowance to noncurrent loans | 28.7100% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 3.2688% | 97 |
| Noncurrent loans to loans | 5.0837% | 83 |
| Net loans and leases to total assets | 62.4621% | 2,543 |
| Net loans and leases to deposits | 69.6282% | 2,923 |
| Net loans and leases to core deposits | 71.6081% | 3,116 |
| Total domestic deposits to total assets | 89.7080% | 677 |
| Equity capital to assets | 8.5343% | 4,421 |
| Core capital (leverage) ratio | 7.9785% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2722% | 2,135 |
| Memoranda: | ||
| Average total assets | $560,826,000 | 1,417 |
| Average earning assets | $526,098,400 | 1,399 |
| Average equity | $43,332,600 | 1,896 |
| Average total loans | $352,970,400 | 1,498 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 2,852 |
| Cost of funding earning assets | 0.3886% | 3,874 |
| Net interest margin | 3.6531% | 2,092 |
| Noninterest income to average assets | 1.9165% | 333 |
| Noninterest expense to average assets | 4.6385% | 230 |
| Loan and lease loss provision to assets | 0.4044% | 864 |
| Net operating income to assets | 0.2087% | 4,576 |
| Return on assets (ROA) | 0.2117% | 4,613 |
| Pretax return on assets | 0.3020% | 4,542 |
| Return on Equity (ROE) | 2.8124% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.8124% | 3,600 |
| Net charge-offs to loans | 0.0185% | 2,486 |
| Credit loss provision to net charge-offs | 3,473.4694% | 311 |
| Earnings coverage of net charge-offs (x) | 60.3469% | 1,095 |
| Efficiency ratio | 85.8122% | 512 |
| Assets per employee ($millions) | 4.1330% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,398 |
| Loan loss allowance to noncurrent loans | 29.2184% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 3.3482% | 115 |
| Noncurrent loans to loans | 5.1130% | 102 |
| Net loans and leases to total assets | 63.6008% | 2,810 |
| Net loans and leases to deposits | 70.6113% | 3,254 |
| Net loans and leases to core deposits | 72.5105% | 3,433 |
| Total domestic deposits to total assets | 90.0718% | 400 |
| Equity capital to assets | 7.8288% | 4,769 |
| Core capital (leverage) ratio | 6.8541% | 4,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1647% | 2,882 |
| Memoranda: | ||
| Average total assets | $561,082,000 | 1,392 |
| Average earning assets | $526,009,000 | 1,384 |
| Average equity | $42,240,000 | 1,925 |
| Average total loans | $352,502,250 | 1,493 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 3,175 |
| Cost of funding earning assets | 0.4298% | 3,898 |
| Net interest margin | 3.6255% | 2,396 |
| Noninterest income to average assets | 0.8881% | 1,197 |
| Noninterest expense to average assets | 3.0724% | 1,420 |
| Loan and lease loss provision to assets | 0.4263% | 924 |
| Net operating income to assets | 0.5804% | 3,801 |
| Return on assets (ROA) | 0.5835% | 3,872 |
| Pretax return on assets | 0.7912% | 3,615 |
| Return on Equity (ROE) | 7.8629% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.8629% | 1,344 |
| Net charge-offs to loans | 0.0895% | 1,355 |
| Credit loss provision to net charge-offs | 764.9682% | 940 |
| Earnings coverage of net charge-offs (x) | 21.7771% | 1,645 |
| Efficiency ratio | 70.9896% | 1,826 |
| Assets per employee ($millions) | 4.2848% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,816 |
| Loan loss allowance to noncurrent loans | 21.8475% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.7357% | 99 |
| Noncurrent loans to loans | 6.1417% | 71 |
| Net loans and leases to total assets | 59.3122% | 3,396 |
| Net loans and leases to deposits | 65.8434% | 3,737 |
| Net loans and leases to core deposits | 67.9003% | 3,868 |
| Total domestic deposits to total assets | 90.0808% | 380 |
| Equity capital to assets | 7.3356% | 4,918 |
| Core capital (leverage) ratio | 7.1050% | 4,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6689% | 3,051 |
| Memoranda: | ||
| Average total assets | $563,464,333 | 1,364 |
| Average earning assets | $528,092,333 | 1,355 |
| Average equity | $41,816,667 | 1,926 |
| Average total loans | $350,809,667 | 1,487 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 2,663 |
| Cost of funding earning assets | 0.5061% | 3,914 |
| Net interest margin | 3.8808% | 1,733 |
| Noninterest income to average assets | 0.7175% | 1,580 |
| Noninterest expense to average assets | 4.6612% | 267 |
| Loan and lease loss provision to assets | 0.0668% | 2,928 |
| Net operating income to assets | -0.2781% | 4,879 |
| Return on assets (ROA) | -0.2700% | 4,851 |
| Pretax return on assets | -0.3719% | 4,856 |
| Return on Equity (ROE) | -3.5408% | 4,890 |
| Retained earnings to average equity (ytd only) | -3.5408% | 4,403 |
| Net charge-offs to loans | 0.0867% | 1,183 |
| Credit loss provision to net charge-offs | 121.3333% | 1,702 |
| Earnings coverage of net charge-offs (x) | -5.7333% | 2,521 |
| Efficiency ratio | 106.2289% | 173 |
| Assets per employee ($millions) | 3.9978% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,221 |
| Loan loss allowance to noncurrent loans | 46.8182% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 714 |
| Noncurrent loans to loans | 2.3444% | 534 |
| Net loans and leases to total assets | 61.3566% | 3,366 |
| Net loans and leases to deposits | 67.7016% | 3,746 |
| Net loans and leases to core deposits | 69.3659% | 3,918 |
| Total domestic deposits to total assets | 90.6280% | 163 |
| Equity capital to assets | 7.5047% | 5,034 |
| Core capital (leverage) ratio | 7.2716% | 5,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0179% | 3,093 |
| Memoranda: | ||
| Average total assets | $545,263,500 | 1,364 |
| Average earning assets | $509,788,000 | 1,351 |
| Average equity | $41,572,500 | 1,927 |
| Average total loans | $345,898,000 | 1,466 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,736 |
| Cost of funding earning assets | 0.5758% | 3,740 |
| Net interest margin | 4.3298% | 1,033 |
| Noninterest income to average assets | 2.0024% | 258 |
| Noninterest expense to average assets | 4.6410% | 269 |
| Loan and lease loss provision to assets | 0.1108% | 1,883 |
| Net operating income to assets | 1.0941% | 2,465 |
| Return on assets (ROA) | 1.0941% | 2,567 |
| Pretax return on assets | 1.2583% | 2,645 |
| Return on Equity (ROE) | 13.1954% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.9363% | 170 |
| Net charge-offs to loans | 0.2624% | 788 |
| Credit loss provision to net charge-offs | 59.6659% | 3,038 |
| Earnings coverage of net charge-offs (x) | 7.3747% | 2,883 |
| Efficiency ratio | 77.0623% | 1,261 |
| Assets per employee ($millions) | 3.6359% | 4,340 |
| Cash dividends to net income (ytd only)* | 1.9640% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 2,949 |
| Loan loss allowance to noncurrent loans | 45.2486% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 590 |
| Noncurrent loans to loans | 2.4340% | 455 |
| Net loans and leases to total assets | 64.1973% | 3,175 |
| Net loans and leases to deposits | 71.1343% | 3,580 |
| Net loans and leases to core deposits | 73.5595% | 3,752 |
| Total domestic deposits to total assets | 90.2481% | 250 |
| Equity capital to assets | 7.7504% | 5,088 |
| Core capital (leverage) ratio | 8.3057% | 4,944 |
| Tier 1 risk-based capital ratio | 11.3055% | 4,733 |
| Total risk-based capital ratio | 12.3791% | 4,697 |
| Memoranda: | ||
| Average total assets | $451,414,000 | 1,553 |
| Average earning assets | $417,822,200 | 1,555 |
| Average equity | $37,429,600 | 2,034 |
| Average total loans | $319,368,600 | 1,528 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 2,059 |
| Cost of funding earning assets | 0.6004% | 3,699 |
| Net interest margin | 4.2198% | 1,327 |
| Noninterest income to average assets | 0.9525% | 1,036 |
| Noninterest expense to average assets | 4.4733% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2898% | 4,856 |
| Return on assets (ROA) | 0.2898% | 4,872 |
| Pretax return on assets | 0.3769% | 4,832 |
| Return on Equity (ROE) | 3.4263% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.4263% | 3,696 |
| Net charge-offs to loans | -0.0243% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2288% | 265 |
| Assets per employee ($millions) | 3.8641% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,787 |
| Loan loss allowance to noncurrent loans | 41.2118% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.7992% | 205 |
| Noncurrent loans to loans | 3.2616% | 268 |
| Net loans and leases to total assets | 72.3509% | 2,128 |
| Net loans and leases to deposits | 85.3399% | 2,278 |
| Net loans and leases to core deposits | 88.5942% | 2,675 |
| Total domestic deposits to total assets | 84.7797% | 2,515 |
| Equity capital to assets | 8.8302% | 4,864 |
| Core capital (leverage) ratio | 8.7162% | 4,822 |
| Tier 1 risk-based capital ratio | 11.7525% | 4,545 |
| Total risk-based capital ratio | 13.0037% | 4,438 |
| Memoranda: | ||
| Average total assets | $431,557,500 | 1,629 |
| Average earning assets | $398,614,250 | 1,639 |
| Average equity | $36,501,500 | 2,084 |
| Average total loans | $313,065,750 | 1,563 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 2,145 |
| Cost of funding earning assets | 0.5809% | 3,751 |
| Net interest margin | 4.1925% | 1,385 |
| Noninterest income to average assets | 0.8328% | 1,240 |
| Noninterest expense to average assets | 4.4521% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2075% | 4,987 |
| Return on assets (ROA) | 0.2075% | 4,995 |
| Pretax return on assets | 0.2508% | 4,978 |
| Return on Equity (ROE) | 2.4891% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.4891% | 3,948 |
| Net charge-offs to loans | -0.0504% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6661% | 219 |
| Assets per employee ($millions) | 3.9622% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,914 |
| Loan loss allowance to noncurrent loans | 33.4100% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.2153% | 169 |
| Noncurrent loans to loans | 3.9597% | 184 |
| Net loans and leases to total assets | 72.0998% | 2,205 |
| Net loans and leases to deposits | 88.0135% | 2,010 |
| Net loans and leases to core deposits | 91.4763% | 2,466 |
| Total domestic deposits to total assets | 81.9191% | 3,535 |
| Equity capital to assets | 8.4812% | 5,047 |
| Core capital (leverage) ratio | 8.6261% | 4,892 |
| Tier 1 risk-based capital ratio | 11.2407% | 4,812 |
| Total risk-based capital ratio | 12.4914% | 4,704 |
| Memoranda: | ||
| Average total assets | $433,726,000 | 1,621 |
| Average earning assets | $400,380,670 | 1,630 |
| Average equity | $36,157,670 | 2,093 |
| Average total loans | $313,514,670 | 1,566 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 2,337 |
| Cost of funding earning assets | 0.5607% | 3,782 |
| Net interest margin | 4.1032% | 1,542 |
| Noninterest income to average assets | 0.7378% | 1,474 |
| Noninterest expense to average assets | 4.3331% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1923% | 5,015 |
| Return on assets (ROA) | 0.1923% | 5,020 |
| Pretax return on assets | 0.1932% | 5,034 |
| Return on Equity (ROE) | 2.3270% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.3270% | 3,974 |
| Net charge-offs to loans | -0.0604% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7312% | 231 |
| Assets per employee ($millions) | 3.8969% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,884 |
| Loan loss allowance to noncurrent loans | 40.3417% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7194% | 256 |
| Noncurrent loans to loans | 3.3380% | 286 |
| Net loans and leases to total assets | 70.7789% | 2,368 |
| Net loans and leases to deposits | 85.9021% | 2,139 |
| Net loans and leases to core deposits | 89.3830% | 2,567 |
| Total domestic deposits to total assets | 82.3948% | 3,616 |
| Equity capital to assets | 8.3697% | 5,055 |
| Core capital (leverage) ratio | 8.6347% | 4,926 |
| Tier 1 risk-based capital ratio | 11.3339% | 4,818 |
| Total risk-based capital ratio | 12.5849% | 4,723 |
| Memoranda: | ||
| Average total assets | $432,665,500 | 1,622 |
| Average earning assets | $399,494,000 | 1,641 |
| Average equity | $35,754,000 | 2,108 |
| Average total loans | $311,043,000 | 1,585 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,513 |
| Cost of funding earning assets | 0.3751% | 4,130 |
| Net interest margin | 4.4385% | 864 |
| Noninterest income to average assets | 1.0577% | 840 |
| Noninterest expense to average assets | 4.6561% | 263 |
| Loan and lease loss provision to assets | 0.0024% | 4,055 |
| Net operating income to assets | 0.3884% | 4,880 |
| Return on assets (ROA) | 0.2382% | 5,074 |
| Pretax return on assets | 0.3047% | 5,038 |
| Return on Equity (ROE) | 2.8668% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,128 |
| Net charge-offs to loans | -0.3561% | 5,319 |
| Credit loss provision to net charge-offs | -0.9217% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3510% | 326 |
| Assets per employee ($millions) | 3.8988% | 4,038 |
| Cash dividends to net income (ytd only)* | 11.2774% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,919 |
| Loan loss allowance to noncurrent loans | 26.2130% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 4.1994% | 99 |
| Noncurrent loans to loans | 5.0576% | 107 |
| Net loans and leases to total assets | 71.0799% | 2,410 |
| Net loans and leases to deposits | 87.6388% | 2,093 |
| Net loans and leases to core deposits | 91.5218% | 2,449 |
| Total domestic deposits to total assets | 81.1055% | 3,865 |
| Equity capital to assets | 8.1577% | 5,103 |
| Core capital (leverage) ratio | 8.6711% | 4,904 |
| Tier 1 risk-based capital ratio | 11.1077% | 4,921 |
| Total risk-based capital ratio | 12.3583% | 4,819 |
| Memoranda: | ||
| Average total assets | $420,714,600 | 1,626 |
| Average earning assets | $388,214,600 | 1,628 |
| Average equity | $34,952,000 | 2,076 |
| Average total loans | $304,652,800 | 1,581 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,822 |
| Cost of funding earning assets | 0.3595% | 4,121 |
| Net interest margin | 4.2933% | 1,123 |
| Noninterest income to average assets | 1.0431% | 873 |
| Noninterest expense to average assets | 4.3906% | 324 |
| Loan and lease loss provision to assets | 0.1692% | 1,106 |
| Net operating income to assets | 0.3387% | 5,048 |
| Return on assets (ROA) | 0.2378% | 5,165 |
| Pretax return on assets | 0.3170% | 5,120 |
| Return on Equity (ROE) | 2.8491% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.8491% | 4,295 |
| Net charge-offs to loans | 0.1303% | 1,229 |
| Credit loss provision to net charge-offs | 179.0541% | 1,503 |
| Earnings coverage of net charge-offs (x) | 6.4966% | 2,880 |
| Efficiency ratio | 87.7344% | 415 |
| Assets per employee ($millions) | 3.8284% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,234 |
| Loan loss allowance to noncurrent loans | 25.6147% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 3.6308% | 153 |
| Noncurrent loans to loans | 4.2658% | 184 |
| Net loans and leases to total assets | 70.3100% | 2,595 |
| Net loans and leases to deposits | 84.0317% | 2,596 |
| Net loans and leases to core deposits | 87.6657% | 2,861 |
| Total domestic deposits to total assets | 83.6707% | 3,054 |
| Equity capital to assets | 8.2359% | 5,066 |
| Core capital (leverage) ratio | 8.6790% | 4,972 |
| Tier 1 risk-based capital ratio | 11.6447% | 4,708 |
| Total risk-based capital ratio | 12.7268% | 4,685 |
| Memoranda: | ||
| Average total assets | $417,700,500 | 1,646 |
| Average earning assets | $385,393,750 | 1,651 |
| Average equity | $34,864,000 | 2,085 |
| Average total loans | $302,879,500 | 1,595 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 1,781 |
| Cost of funding earning assets | 0.3645% | 3,983 |
| Net interest margin | 4.2370% | 1,199 |
| Noninterest income to average assets | 0.9881% | 980 |
| Noninterest expense to average assets | 4.4018% | 324 |
| Loan and lease loss provision to assets | 0.1680% | 1,096 |
| Net operating income to assets | 0.2914% | 5,128 |
| Return on assets (ROA) | 0.2914% | 5,120 |
| Pretax return on assets | 0.3250% | 5,138 |
| Return on Equity (ROE) | 3.4761% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.4761% | 3,845 |
| Net charge-offs to loans | 0.1164% | 1,230 |
| Credit loss provision to net charge-offs | 197.7401% | 1,316 |
| Earnings coverage of net charge-offs (x) | 5.8023% | 2,684 |
| Efficiency ratio | 89.9264% | 372 |
| Assets per employee ($millions) | 3.7679% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,399 |
| Loan loss allowance to noncurrent loans | 23.7514% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 3.7622% | 160 |
| Noncurrent loans to loans | 4.5361% | 169 |
| Net loans and leases to total assets | 71.1113% | 2,422 |
| Net loans and leases to deposits | 86.2272% | 2,286 |
| Net loans and leases to core deposits | 90.1261% | 2,559 |
| Total domestic deposits to total assets | 82.4697% | 3,572 |
| Equity capital to assets | 8.4160% | 5,003 |
| Core capital (leverage) ratio | 8.6144% | 5,028 |
| Tier 1 risk-based capital ratio | 12.0414% | 4,469 |
| Total risk-based capital ratio | 13.1452% | 4,444 |
| Memoranda: | ||
| Average total assets | $416,560,330 | 1,651 |
| Average earning assets | $384,089,330 | 1,665 |
| Average equity | $34,924,330 | 2,091 |
| Average total loans | $304,052,330 | 1,578 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 1,797 |
| Cost of funding earning assets | 0.3765% | 3,763 |
| Net interest margin | 4.1473% | 1,307 |
| Noninterest income to average assets | 0.9780% | 959 |
| Noninterest expense to average assets | 4.2097% | 402 |
| Loan and lease loss provision to assets | 0.1628% | 1,107 |
| Net operating income to assets | 0.3898% | 4,945 |
| Return on assets (ROA) | 0.3898% | 4,951 |
| Pretax return on assets | 0.4253% | 4,995 |
| Return on Equity (ROE) | 4.6587% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.6587% | 3,329 |
| Net charge-offs to loans | 0.0534% | 1,571 |
| Credit loss provision to net charge-offs | 414.6341% | 675 |
| Earnings coverage of net charge-offs (x) | 14.9756% | 1,685 |
| Efficiency ratio | 87.7421% | 549 |
| Assets per employee ($millions) | 3.7455% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,696 |
| Loan loss allowance to noncurrent loans | 17.6661% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 4.8555% | 99 |
| Noncurrent loans to loans | 5.9148% | 104 |
| Net loans and leases to total assets | 72.7945% | 2,050 |
| Net loans and leases to deposits | 87.1017% | 2,040 |
| Net loans and leases to core deposits | 106.4747% | 1,202 |
| Total domestic deposits to total assets | 83.5741% | 3,472 |
| Equity capital to assets | 8.4559% | 5,011 |
| Core capital (leverage) ratio | 8.2186% | 5,303 |
| Tier 1 risk-based capital ratio | 11.6105% | 4,797 |
| Total risk-based capital ratio | 12.6665% | 4,808 |
| Memoranda: | ||
| Average total assets | $417,605,500 | 1,658 |
| Average earning assets | $384,634,500 | 1,677 |
| Average equity | $34,945,500 | 2,102 |
| Average total loans | $307,106,000 | 1,571 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,265 |
| Cost of funding earning assets | 0.2537% | 4,531 |
| Net interest margin | 4.4139% | 740 |
| Noninterest income to average assets | 1.1088% | 828 |
| Noninterest expense to average assets | 4.6912% | 267 |
| Loan and lease loss provision to assets | 0.1252% | 1,826 |
| Net operating income to assets | 0.1670% | 5,165 |
| Return on assets (ROA) | 0.1670% | 5,177 |
| Pretax return on assets | 0.3960% | 5,092 |
| Return on Equity (ROE) | 1.8797% | 5,082 |
| Retained earnings to average equity (ytd only) | 1.4373% | 4,427 |
| Net charge-offs to loans | 0.5921% | 388 |
| Credit loss provision to net charge-offs | 28.5714% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.1897% | 3,920 |
| Efficiency ratio | 90.0005% | 431 |
| Assets per employee ($millions) | 3.8473% | 4,208 |
| Cash dividends to net income (ytd only)* | 23.5382% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,071 |
| Loan loss allowance to noncurrent loans | 19.5571% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.6706% | 175 |
| Noncurrent loans to loans | 4.9928% | 138 |
| Net loans and leases to total assets | 72.7990% | 2,121 |
| Net loans and leases to deposits | 91.9652% | 1,529 |
| Net loans and leases to core deposits | 114.5364% | 774 |
| Total domestic deposits to total assets | 79.1594% | 4,507 |
| Equity capital to assets | 8.2826% | 5,267 |
| Core capital (leverage) ratio | 8.1915% | 5,357 |
| Tier 1 risk-based capital ratio | 11.0782% | 5,101 |
| Total risk-based capital ratio | 12.0562% | 5,141 |
| Memoranda: | ||
| Average total assets | $399,447,200 | 1,704 |
| Average earning assets | $371,369,200 | 1,698 |
| Average equity | $35,483,600 | 2,052 |
| Average total loans | $295,555,800 | 1,586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 1,267 |
| Cost of funding earning assets | 0.2264% | 4,769 |
| Net interest margin | 4.4166% | 706 |
| Noninterest income to average assets | 1.1449% | 774 |
| Noninterest expense to average assets | 4.5823% | 299 |
| Loan and lease loss provision to assets | 0.1186% | 1,825 |
| Net operating income to assets | 0.3798% | 5,041 |
| Return on assets (ROA) | 0.3798% | 5,068 |
| Pretax return on assets | 0.5560% | 4,916 |
| Return on Equity (ROE) | 4.1994% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.1994% | 3,398 |
| Net charge-offs to loans | 0.0302% | 2,825 |
| Credit loss provision to net charge-offs | 530.3030% | 601 |
| Earnings coverage of net charge-offs (x) | 30.1659% | 1,544 |
| Efficiency ratio | 87.1673% | 559 |
| Assets per employee ($millions) | 3.6150% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,490 |
| Loan loss allowance to noncurrent loans | 29.4512% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.7414% | 182 |
| Noncurrent loans to loans | 5.1378% | 153 |
| Net loans and leases to total assets | 70.9643% | 2,416 |
| Net loans and leases to deposits | 90.9913% | 1,690 |
| Net loans and leases to core deposits | 111.9223% | 927 |
| Total domestic deposits to total assets | 77.9902% | 4,727 |
| Equity capital to assets | 8.6341% | 5,203 |
| Core capital (leverage) ratio | 8.6521% | 5,108 |
| Tier 1 risk-based capital ratio | 11.7636% | 4,795 |
| Total risk-based capital ratio | 13.0172% | 4,659 |
| Memoranda: | ||
| Average total assets | $393,508,500 | 1,744 |
| Average earning assets | $366,367,500 | 1,737 |
| Average equity | $35,591,500 | 2,050 |
| Average total loans | $291,663,500 | 1,613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 1,176 |
| Cost of funding earning assets | 0.2212% | 4,791 |
| Net interest margin | 4.4192% | 677 |
| Noninterest income to average assets | 1.2372% | 681 |
| Noninterest expense to average assets | 4.6064% | 285 |
| Loan and lease loss provision to assets | 0.1039% | 1,949 |
| Net operating income to assets | 0.4510% | 4,855 |
| Return on assets (ROA) | 0.4510% | 4,875 |
| Pretax return on assets | 0.6589% | 4,660 |
| Return on Equity (ROE) | 4.9058% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.9058% | 2,774 |
| Net charge-offs to loans | 0.0250% | 2,715 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 40.7778% | 1,232 |
| Efficiency ratio | 85.7931% | 706 |
| Assets per employee ($millions) | 3.4968% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,466 |
| Loan loss allowance to noncurrent loans | 27.0293% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 4.2101% | 158 |
| Noncurrent loans to loans | 5.6662% | 113 |
| Net loans and leases to total assets | 72.4388% | 2,132 |
| Net loans and leases to deposits | 86.4923% | 2,167 |
| Net loans and leases to core deposits | 106.0554% | 1,229 |
| Total domestic deposits to total assets | 83.7517% | 3,305 |
| Equity capital to assets | 9.0934% | 4,812 |
| Core capital (leverage) ratio | 9.0328% | 4,688 |
| Tier 1 risk-based capital ratio | 12.3162% | 4,412 |
| Total risk-based capital ratio | 13.5703% | 4,306 |
| Memoranda: | ||
| Average total assets | $384,899,330 | 1,784 |
| Average earning assets | $359,888,000 | 1,765 |
| Average equity | $35,386,670 | 2,057 |
| Average total loans | $288,167,670 | 1,624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 860 |
| Cost of funding earning assets | 0.2294% | 4,725 |
| Net interest margin | 4.5129% | 513 |
| Noninterest income to average assets | 1.5041% | 479 |
| Noninterest expense to average assets | 4.7232% | 284 |
| Loan and lease loss provision to assets | 0.1054% | 1,813 |
| Net operating income to assets | 0.6335% | 4,005 |
| Return on assets (ROA) | 0.6335% | 4,048 |
| Pretax return on assets | 0.9065% | 3,748 |
| Return on Equity (ROE) | 6.8826% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.8826% | 1,898 |
| Net charge-offs to loans | 0.0488% | 1,877 |
| Credit loss provision to net charge-offs | 285.7143% | 814 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,274 |
| Efficiency ratio | 82.3562% | 1,128 |
| Assets per employee ($millions) | 3.3009% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,561 |
| Loan loss allowance to noncurrent loans | 32.6949% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 3.5793% | 232 |
| Noncurrent loans to loans | 4.6949% | 182 |
| Net loans and leases to total assets | 74.2045% | 1,702 |
| Net loans and leases to deposits | 86.6724% | 1,955 |
| Net loans and leases to core deposits | 106.2483% | 1,082 |
| Total domestic deposits to total assets | 85.6149% | 2,832 |
| Equity capital to assets | 9.3843% | 4,404 |
| Core capital (leverage) ratio | 8.9935% | 4,746 |
| Tier 1 risk-based capital ratio | 12.6839% | 4,270 |
| Total risk-based capital ratio | 13.9383% | 4,172 |
| Memoranda: | ||
| Average total assets | $379,486,500 | 1,817 |
| Average earning assets | $355,778,500 | 1,798 |
| Average equity | $34,928,500 | 2,084 |
| Average total loans | $286,907,500 | 1,638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 965 |
| Cost of funding earning assets | 0.2486% | 4,577 |
| Net interest margin | 4.5018% | 619 |
| Noninterest income to average assets | 0.8996% | 1,418 |
| Noninterest expense to average assets | 4.5156% | 368 |
| Loan and lease loss provision to assets | 0.1284% | 1,936 |
| Net operating income to assets | 0.3437% | 5,099 |
| Return on assets (ROA) | 0.4439% | 4,898 |
| Pretax return on assets | 0.6156% | 4,740 |
| Return on Equity (ROE) | 4.4995% | 4,656 |
| Retained earnings to average equity (ytd only) | -8.0466% | 5,756 |
| Net charge-offs to loans | 0.0988% | 2,300 |
| Credit loss provision to net charge-offs | 176.6784% | 1,581 |
| Earnings coverage of net charge-offs (x) | 8.3251% | 2,882 |
| Efficiency ratio | 88.1875% | 662 |
| Assets per employee ($millions) | 3.4475% | 4,832 |
| Cash dividends to net income (ytd only)* | 278.8317% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,766 |
| Loan loss allowance to noncurrent loans | 51.8187% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 595 |
| Noncurrent loans to loans | 2.8512% | 500 |
| Net loans and leases to total assets | 74.7224% | 1,740 |
| Net loans and leases to deposits | 86.4096% | 2,112 |
| Net loans and leases to core deposits | 104.6804% | 1,233 |
| Total domestic deposits to total assets | 86.4747% | 2,384 |
| Equity capital to assets | 9.0270% | 4,786 |
| Core capital (leverage) ratio | 8.5891% | 5,180 |
| Tier 1 risk-based capital ratio | 12.3426% | 4,480 |
| Total risk-based capital ratio | 13.5965% | 4,368 |
| Memoranda: | ||
| Average total assets | $389,513,200 | 1,727 |
| Average earning assets | $365,212,200 | 1,703 |
| Average equity | $38,426,400 | 1,913 |
| Average total loans | $286,501,600 | 1,580 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 1,056 |
| Cost of funding earning assets | 0.2498% | 4,603 |
| Net interest margin | 4.4526% | 698 |
| Noninterest income to average assets | 0.8875% | 1,450 |
| Noninterest expense to average assets | 4.4768% | 389 |
| Loan and lease loss provision to assets | 0.1193% | 1,944 |
| Net operating income to assets | 0.3235% | 5,234 |
| Return on assets (ROA) | 0.3221% | 5,318 |
| Pretax return on assets | 0.4625% | 5,206 |
| Return on Equity (ROE) | 3.1981% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.7311% | 4,258 |
| Net charge-offs to loans | 0.1303% | 1,662 |
| Credit loss provision to net charge-offs | 125.4480% | 2,017 |
| Earnings coverage of net charge-offs (x) | 6.1398% | 3,035 |
| Efficiency ratio | 88.4639% | 649 |
| Assets per employee ($millions) | 3.3494% | 4,981 |
| Cash dividends to net income (ytd only)* | 14.6035% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,014 |
| Loan loss allowance to noncurrent loans | 44.5856% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4776% | 552 |
| Noncurrent loans to loans | 3.2337% | 434 |
| Net loans and leases to total assets | 72.8762% | 2,039 |
| Net loans and leases to deposits | 86.6050% | 2,199 |
| Net loans and leases to core deposits | 105.8186% | 1,202 |
| Total domestic deposits to total assets | 84.1478% | 3,164 |
| Equity capital to assets | 10.2853% | 3,818 |
| Core capital (leverage) ratio | 9.4481% | 4,254 |
| Tier 1 risk-based capital ratio | 13.6891% | 3,755 |
| Total risk-based capital ratio | 14.9423% | 3,666 |
| Memoranda: | ||
| Average total assets | $391,222,750 | 1,721 |
| Average earning assets | $366,671,500 | 1,702 |
| Average equity | $39,397,000 | 1,879 |
| Average total loans | $285,569,000 | 1,587 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,037 |
| Cost of funding earning assets | 0.2441% | 4,716 |
| Net interest margin | 4.4628% | 665 |
| Noninterest income to average assets | 0.9155% | 1,327 |
| Noninterest expense to average assets | 4.5226% | 380 |
| Loan and lease loss provision to assets | 0.1020% | 2,144 |
| Net operating income to assets | 0.3019% | 5,321 |
| Return on assets (ROA) | 0.3019% | 5,407 |
| Pretax return on assets | 0.4677% | 5,206 |
| Return on Equity (ROE) | 3.0197% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.5759% | 4,248 |
| Net charge-offs to loans | -0.0751% | 5,521 |
| Credit loss provision to net charge-offs | -186.9159% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8121% | 670 |
| Assets per employee ($millions) | 3.5151% | 4,729 |
| Cash dividends to net income (ytd only)* | 14.6959% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,745 |
| Loan loss allowance to noncurrent loans | 33.7626% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 3.3197% | 341 |
| Noncurrent loans to loans | 4.5397% | 221 |
| Net loans and leases to total assets | 70.1876% | 2,451 |
| Net loans and leases to deposits | 88.2905% | 1,952 |
| Net loans and leases to core deposits | 108.2323% | 1,028 |
| Total domestic deposits to total assets | 79.4962% | 4,675 |
| Equity capital to assets | 9.9355% | 4,304 |
| Core capital (leverage) ratio | 9.4501% | 4,270 |
| Tier 1 risk-based capital ratio | 13.2013% | 4,076 |
| Total risk-based capital ratio | 14.4548% | 3,988 |
| Memoranda: | ||
| Average total assets | $392,121,670 | 1,722 |
| Average earning assets | $366,987,670 | 1,700 |
| Average equity | $39,209,000 | 1,891 |
| Average total loans | $284,997,000 | 1,595 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 916 |
| Cost of funding earning assets | 0.2532% | 4,668 |
| Net interest margin | 4.5119% | 596 |
| Noninterest income to average assets | 0.8458% | 1,459 |
| Noninterest expense to average assets | 4.4289% | 413 |
| Loan and lease loss provision to assets | 0.1547% | 1,361 |
| Net operating income to assets | 0.3445% | 5,166 |
| Return on assets (ROA) | 0.3445% | 5,254 |
| Pretax return on assets | 0.4899% | 5,112 |
| Return on Equity (ROE) | 3.4339% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.0638% | 3,977 |
| Net charge-offs to loans | -0.2585% | 5,910 |
| Credit loss provision to net charge-offs | -81.5217% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2942% | 867 |
| Assets per employee ($millions) | 3.3920% | 4,988 |
| Cash dividends to net income (ytd only)* | 10.7784% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,907 |
| Loan loss allowance to noncurrent loans | 40.7680% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7410% | 506 |
| Noncurrent loans to loans | 3.7239% | 345 |
| Net loans and leases to total assets | 72.4871% | 1,950 |
| Net loans and leases to deposits | 90.2043% | 1,557 |
| Net loans and leases to core deposits | 110.3674% | 836 |
| Total domestic deposits to total assets | 80.3588% | 4,668 |
| Equity capital to assets | 10.1431% | 3,906 |
| Core capital (leverage) ratio | 9.4464% | 4,285 |
| Tier 1 risk-based capital ratio | 13.9163% | 3,744 |
| Total risk-based capital ratio | 15.1469% | 3,694 |
| Memoranda: | ||
| Average total assets | $387,819,500 | 1,733 |
| Average earning assets | $363,395,500 | 1,713 |
| Average equity | $38,906,500 | 1,896 |
| Average total loans | $284,676,500 | 1,592 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 843 |
| Cost of funding earning assets | 0.2438% | 4,846 |
| Net interest margin | 4.6105% | 536 |
| Noninterest income to average assets | 1.0656% | 1,037 |
| Noninterest expense to average assets | 4.7712% | 334 |
| Loan and lease loss provision to assets | 0.1486% | 1,584 |
| Net operating income to assets | 0.3165% | 5,312 |
| Return on assets (ROA) | 0.4133% | 5,094 |
| Pretax return on assets | 0.6099% | 4,804 |
| Return on Equity (ROE) | 3.9719% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.4896% | 4,299 |
| Net charge-offs to loans | 0.4454% | 618 |
| Credit loss provision to net charge-offs | 45.4170% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.8836% | 4,017 |
| Efficiency ratio | 88.5630% | 797 |
| Assets per employee ($millions) | 3.5359% | 4,757 |
| Cash dividends to net income (ytd only)* | 37.3203% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 2,416 |
| Loan loss allowance to noncurrent loans | 39.8381% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.5731% | 590 |
| Noncurrent loans to loans | 3.5149% | 397 |
| Net loans and leases to total assets | 72.1803% | 2,019 |
| Net loans and leases to deposits | 90.0719% | 1,603 |
| Net loans and leases to core deposits | 110.1911% | 844 |
| Total domestic deposits to total assets | 80.1363% | 4,711 |
| Equity capital to assets | 9.9218% | 4,049 |
| Core capital (leverage) ratio | 9.6900% | 3,922 |
| Tier 1 risk-based capital ratio | 13.7846% | 3,835 |
| Total risk-based capital ratio | 15.0382% | 3,759 |
| Memoranda: | ||
| Average total assets | $370,199,000 | 1,770 |
| Average earning assets | $347,009,400 | 1,752 |
| Average equity | $38,520,600 | 1,864 |
| Average total loans | $271,869,400 | 1,605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 820 |
| Cost of funding earning assets | 0.2455% | 4,930 |
| Net interest margin | 4.6243% | 523 |
| Noninterest income to average assets | 1.0265% | 1,127 |
| Noninterest expense to average assets | 4.7746% | 343 |
| Loan and lease loss provision to assets | 0.1459% | 1,500 |
| Net operating income to assets | 0.3047% | 5,438 |
| Return on assets (ROA) | 0.4374% | 5,115 |
| Pretax return on assets | 0.6336% | 4,886 |
| Return on Equity (ROE) | 4.1520% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.2586% | 4,140 |
| Net charge-offs to loans | 0.4313% | 589 |
| Credit loss provision to net charge-offs | 46.0299% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.8527% | 3,767 |
| Efficiency ratio | 89.0469% | 759 |
| Assets per employee ($millions) | 3.0806% | 5,453 |
| Cash dividends to net income (ytd only)* | 21.5178% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 2,129 |
| Loan loss allowance to noncurrent loans | 41.4871% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.7023% | 604 |
| Noncurrent loans to loans | 3.6305% | 413 |
| Net loans and leases to total assets | 73.3126% | 1,851 |
| Net loans and leases to deposits | 86.6486% | 2,079 |
| Net loans and leases to core deposits | 108.7471% | 942 |
| Total domestic deposits to total assets | 84.6091% | 3,170 |
| Equity capital to assets | 10.4898% | 3,615 |
| Core capital (leverage) ratio | 9.6512% | 4,102 |
| Tier 1 risk-based capital ratio | 14.2491% | 3,702 |
| Total risk-based capital ratio | 15.5044% | 3,633 |
| Memoranda: | ||
| Average total assets | $365,511,000 | 1,806 |
| Average earning assets | $342,676,750 | 1,778 |
| Average equity | $38,503,000 | 1,882 |
| Average total loans | $268,653,500 | 1,632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 999 |
| Cost of funding earning assets | 0.2431% | 5,022 |
| Net interest margin | 4.4986% | 639 |
| Noninterest income to average assets | 1.0322% | 1,113 |
| Noninterest expense to average assets | 4.7552% | 355 |
| Loan and lease loss provision to assets | 0.1377% | 1,588 |
| Net operating income to assets | 0.2450% | 5,592 |
| Return on assets (ROA) | 0.4225% | 5,176 |
| Pretax return on assets | 0.6164% | 4,939 |
| Return on Equity (ROE) | 4.0048% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.8457% | 4,225 |
| Net charge-offs to loans | 0.6488% | 357 |
| Credit loss provision to net charge-offs | 29.0023% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.0464% | 3,584 |
| Efficiency ratio | 90.5401% | 712 |
| Assets per employee ($millions) | 3.1493% | 5,408 |
| Cash dividends to net income (ytd only)* | 28.9439% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 2,346 |
| Loan loss allowance to noncurrent loans | 32.1722% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 3.4340% | 425 |
| Noncurrent loans to loans | 4.6255% | 284 |
| Net loans and leases to total assets | 73.1354% | 1,796 |
| Net loans and leases to deposits | 85.5450% | 2,100 |
| Net loans and leases to core deposits | 107.5752% | 984 |
| Total domestic deposits to total assets | 85.4934% | 2,923 |
| Equity capital to assets | 10.4523% | 3,496 |
| Core capital (leverage) ratio | 10.1383% | 3,416 |
| Tier 1 risk-based capital ratio | 14.9242% | 3,401 |
| Total risk-based capital ratio | 16.1794% | 3,330 |
| Memoranda: | ||
| Average total assets | $363,097,000 | 1,823 |
| Average earning assets | $340,598,330 | 1,800 |
| Average equity | $38,303,670 | 1,901 |
| Average total loans | $265,720,000 | 1,654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 926 |
| Cost of funding earning assets | 0.2477% | 5,049 |
| Net interest margin | 4.5143% | 591 |
| Noninterest income to average assets | 0.9558% | 1,219 |
| Noninterest expense to average assets | 4.7438% | 360 |
| Loan and lease loss provision to assets | 0.1658% | 1,210 |
| Net operating income to assets | 0.1832% | 5,715 |
| Return on assets (ROA) | 0.5238% | 4,685 |
| Pretax return on assets | 0.7923% | 4,271 |
| Return on Equity (ROE) | 4.9422% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.5668% | 3,290 |
| Net charge-offs to loans | -0.1278% | 5,933 |
| Credit loss provision to net charge-offs | -178.5714% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4767% | 749 |
| Assets per employee ($millions) | 2.9641% | 5,715 |
| Cash dividends to net income (ytd only)* | 7.5949% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 1,398 |
| Loan loss allowance to noncurrent loans | 40.7120% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.3721% | 509 |
| Noncurrent loans to loans | 4.5409% | 339 |
| Net loans and leases to total assets | 72.8866% | 1,675 |
| Net loans and leases to deposits | 83.8001% | 2,109 |
| Net loans and leases to core deposits | 104.8823% | 1,006 |
| Total domestic deposits to total assets | 86.9768% | 2,383 |
| Equity capital to assets | 10.8382% | 3,155 |
| Core capital (leverage) ratio | 10.2557% | 3,275 |
| Tier 1 risk-based capital ratio | 15.4983% | 3,146 |
| Total risk-based capital ratio | 16.7585% | 3,082 |
| Memoranda: | ||
| Average total assets | $361,987,000 | 1,831 |
| Average earning assets | $339,186,000 | 1,809 |
| Average equity | $38,363,500 | 1,907 |
| Average total loans | $262,974,000 | 1,667 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,050 |
| Cost of funding earning assets | 0.2643% | 5,173 |
| Net interest margin | 4.5673% | 662 |
| Noninterest income to average assets | 1.6035% | 489 |
| Noninterest expense to average assets | 4.8827% | 336 |
| Loan and lease loss provision to assets | 0.0971% | 2,528 |
| Net operating income to assets | 0.5980% | 4,376 |
| Return on assets (ROA) | 0.6141% | 4,405 |
| Pretax return on assets | 0.9331% | 3,768 |
| Return on Equity (ROE) | 6.0030% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.1240% | 3,269 |
| Net charge-offs to loans | 0.0257% | 4,312 |
| Credit loss provision to net charge-offs | 546.8750% | 485 |
| Earnings coverage of net charge-offs (x) | 56.6563% | 834 |
| Efficiency ratio | 82.9196% | 1,540 |
| Assets per employee ($millions) | 3.0948% | 5,571 |
| Cash dividends to net income (ytd only)* | 31.3008% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 1,585 |
| Loan loss allowance to noncurrent loans | 43.2010% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 2.9214% | 708 |
| Noncurrent loans to loans | 4.1094% | 435 |
| Net loans and leases to total assets | 69.8283% | 2,261 |
| Net loans and leases to deposits | 84.3633% | 2,169 |
| Net loans and leases to core deposits | 107.1136% | 950 |
| Total domestic deposits to total assets | 82.7710% | 4,158 |
| Equity capital to assets | 10.3661% | 3,649 |
| Core capital (leverage) ratio | 9.9621% | 3,631 |
| Tier 1 risk-based capital ratio | 15.7500% | 3,099 |
| Total risk-based capital ratio | 17.0101% | 3,028 |
| Memoranda: | ||
| Average total assets | $360,518,800 | 1,809 |
| Average earning assets | $338,230,200 | 1,771 |
| Average equity | $36,881,600 | 1,907 |
| Average total loans | $249,087,000 | 1,692 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 1,027 |
| Cost of funding earning assets | 0.2677% | 5,230 |
| Net interest margin | 4.5762% | 648 |
| Noninterest income to average assets | 1.0638% | 1,087 |
| Noninterest expense to average assets | 4.8174% | 356 |
| Loan and lease loss provision to assets | 0.0744% | 2,853 |
| Net operating income to assets | 0.3469% | 5,437 |
| Return on assets (ROA) | 0.3893% | 5,367 |
| Pretax return on assets | 0.5254% | 5,249 |
| Return on Equity (ROE) | 3.8185% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.0016% | 4,474 |
| Net charge-offs to loans | 0.0445% | 3,607 |
| Credit loss provision to net charge-offs | 243.9024% | 1,076 |
| Earnings coverage of net charge-offs (x) | 17.7927% | 1,883 |
| Efficiency ratio | 89.8786% | 851 |
| Assets per employee ($millions) | 3.0432% | 5,685 |
| Cash dividends to net income (ytd only)* | 21.3944% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 1,751 |
| Loan loss allowance to noncurrent loans | 52.5754% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.4103% | 1,115 |
| Noncurrent loans to loans | 3.3750% | 723 |
| Net loans and leases to total assets | 67.9256% | 2,549 |
| Net loans and leases to deposits | 80.2489% | 2,655 |
| Net loans and leases to core deposits | 102.9193% | 1,157 |
| Total domestic deposits to total assets | 84.6437% | 3,483 |
| Equity capital to assets | 10.2246% | 3,896 |
| Core capital (leverage) ratio | 9.8176% | 3,917 |
| Tier 1 risk-based capital ratio | 15.5206% | 3,305 |
| Total risk-based capital ratio | 16.7797% | 3,238 |
| Memoranda: | ||
| Average total assets | $358,577,000 | 1,831 |
| Average earning assets | $336,632,250 | 1,791 |
| Average equity | $36,557,750 | 1,932 |
| Average total loans | $245,904,750 | 1,723 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 808 |
| Cost of funding earning assets | 0.2689% | 5,295 |
| Net interest margin | 4.6872% | 501 |
| Noninterest income to average assets | 1.0770% | 1,025 |
| Noninterest expense to average assets | 4.8224% | 351 |
| Loan and lease loss provision to assets | 0.0281% | 3,713 |
| Net operating income to assets | 0.4478% | 5,027 |
| Return on assets (ROA) | 0.5163% | 4,837 |
| Pretax return on assets | 0.7245% | 4,554 |
| Return on Equity (ROE) | 5.0692% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,176 |
| Net charge-offs to loans | -0.1592% | 6,284 |
| Credit loss provision to net charge-offs | -25.7732% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0250% | 1,086 |
| Assets per employee ($millions) | 3.0316% | 5,713 |
| Cash dividends to net income (ytd only)* | 7.9348% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 1,657 |
| Loan loss allowance to noncurrent loans | 47.8948% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.7905% | 938 |
| Noncurrent loans to loans | 3.9021% | 617 |
| Net loans and leases to total assets | 68.1989% | 2,383 |
| Net loans and leases to deposits | 78.1734% | 2,777 |
| Net loans and leases to core deposits | 99.6593% | 1,311 |
| Total domestic deposits to total assets | 87.2406% | 2,327 |
| Equity capital to assets | 10.5393% | 3,397 |
| Core capital (leverage) ratio | 10.0672% | 3,511 |
| Tier 1 risk-based capital ratio | 15.8515% | 3,173 |
| Total risk-based capital ratio | 17.1120% | 3,100 |
| Memoranda: | ||
| Average total assets | $356,376,330 | 1,841 |
| Average earning assets | $334,653,670 | 1,799 |
| Average equity | $36,297,670 | 1,932 |
| Average total loans | $243,696,000 | 1,731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,379 |
| Cost of funding earning assets | 0.2730% | 5,353 |
| Net interest margin | 4.3760% | 847 |
| Noninterest income to average assets | 1.0560% | 1,005 |
| Noninterest expense to average assets | 4.7120% | 382 |
| Loan and lease loss provision to assets | 0.0560% | 2,996 |
| Net operating income to assets | 0.2981% | 5,500 |
| Return on assets (ROA) | 0.3930% | 5,213 |
| Pretax return on assets | 0.5252% | 5,094 |
| Return on Equity (ROE) | 3.9267% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.5240% | 4,017 |
| Net charge-offs to loans | -0.1915% | 6,372 |
| Credit loss provision to net charge-offs | -43.1034% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2007% | 932 |
| Assets per employee ($millions) | 2.8782% | 6,005 |
| Cash dividends to net income (ytd only)* | 10.2564% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 1,869 |
| Loan loss allowance to noncurrent loans | 36.1424% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 3.6481% | 698 |
| Noncurrent loans to loans | 5.1471% | 424 |
| Net loans and leases to total assets | 68.0434% | 2,215 |
| Net loans and leases to deposits | 77.7838% | 2,589 |
| Net loans and leases to core deposits | 96.6267% | 1,340 |
| Total domestic deposits to total assets | 87.4776% | 2,523 |
| Equity capital to assets | 10.3406% | 3,409 |
| Core capital (leverage) ratio | 9.8126% | 3,842 |
| Tier 1 risk-based capital ratio | 15.8508% | 3,244 |
| Total risk-based capital ratio | 17.1114% | 3,203 |
| Memoranda: | ||
| Average total assets | $357,213,500 | 1,845 |
| Average earning assets | $335,559,500 | 1,801 |
| Average equity | $35,755,000 | 1,955 |
| Average total loans | $242,289,000 | 1,742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 916 |
| Cost of funding earning assets | 0.3264% | 5,362 |
| Net interest margin | 4.6776% | 530 |
| Noninterest income to average assets | 1.3043% | 817 |
| Noninterest expense to average assets | 5.0303% | 343 |
| Loan and lease loss provision to assets | 0.1544% | 2,345 |
| Net operating income to assets | 0.3071% | 5,500 |
| Return on assets (ROA) | 0.3374% | 5,489 |
| Pretax return on assets | 0.4615% | 5,318 |
| Return on Equity (ROE) | 3.3241% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.5708% | 5,106 |
| Net charge-offs to loans | 0.4714% | 1,414 |
| Credit loss provision to net charge-offs | 48.9760% | 3,841 |
| Earnings coverage of net charge-offs (x) | 1.8219% | 4,441 |
| Efficiency ratio | 89.7521% | 1,045 |
| Assets per employee ($millions) | 3.1590% | 5,568 |
| Cash dividends to net income (ytd only)* | 52.7454% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 2,036 |
| Loan loss allowance to noncurrent loans | 34.3652% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.5715% | 802 |
| Noncurrent loans to loans | 5.2654% | 449 |
| Net loans and leases to total assets | 65.1712% | 2,830 |
| Net loans and leases to deposits | 79.6779% | 2,498 |
| Net loans and leases to core deposits | 97.8695% | 1,308 |
| Total domestic deposits to total assets | 81.7932% | 4,946 |
| Equity capital to assets | 9.6893% | 4,176 |
| Core capital (leverage) ratio | 9.8560% | 3,765 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,806 |
| Total risk-based capital ratio | 16.0269% | 3,744 |
| Memoranda: | ||
| Average total assets | $356,218,800 | 1,824 |
| Average earning assets | $327,498,600 | 1,814 |
| Average equity | $36,160,400 | 1,910 |
| Average total loans | $238,201,600 | 1,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 754 |
| Cost of funding earning assets | 0.3392% | 5,390 |
| Net interest margin | 4.7759% | 452 |
| Noninterest income to average assets | 1.2432% | 951 |
| Noninterest expense to average assets | 5.0469% | 326 |
| Loan and lease loss provision to assets | 0.1505% | 2,389 |
| Net operating income to assets | 0.3132% | 5,571 |
| Return on assets (ROA) | 0.3197% | 5,659 |
| Pretax return on assets | 0.4243% | 5,565 |
| Return on Equity (ROE) | 3.1134% | 5,568 |
| Retained earnings to average equity (ytd only) | 1.9267% | 5,166 |
| Net charge-offs to loans | 0.2571% | 2,266 |
| Credit loss provision to net charge-offs | 87.3362% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.2860% | 3,749 |
| Efficiency ratio | 89.9142% | 998 |
| Assets per employee ($millions) | 2.8306% | 6,106 |
| Cash dividends to net income (ytd only)* | 38.1175% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 1,707 |
| Loan loss allowance to noncurrent loans | 40.9675% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 3.4440% | 992 |
| Noncurrent loans to loans | 4.8937% | 626 |
| Net loans and leases to total assets | 67.3873% | 2,397 |
| Net loans and leases to deposits | 80.2317% | 2,380 |
| Net loans and leases to core deposits | 97.2164% | 1,296 |
| Total domestic deposits to total assets | 83.9908% | 4,187 |
| Equity capital to assets | 9.9399% | 3,987 |
| Core capital (leverage) ratio | 9.8452% | 3,898 |
| Tier 1 risk-based capital ratio | 14.6079% | 4,009 |
| Total risk-based capital ratio | 15.8682% | 3,950 |
| Memoranda: | ||
| Average total assets | $354,451,500 | 1,838 |
| Average earning assets | $324,315,750 | 1,843 |
| Average equity | $36,400,500 | 1,915 |
| Average total loans | $237,471,500 | 1,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 614 |
| Cost of funding earning assets | 0.3598% | 5,317 |
| Net interest margin | 4.8602% | 393 |
| Noninterest income to average assets | 1.2778% | 942 |
| Noninterest expense to average assets | 4.9851% | 357 |
| Loan and lease loss provision to assets | 0.2256% | 1,677 |
| Net operating income to assets | 0.3482% | 5,414 |
| Return on assets (ROA) | 0.3575% | 5,554 |
| Pretax return on assets | 0.4985% | 5,385 |
| Return on Equity (ROE) | 3.4447% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.8853% | 5,068 |
| Net charge-offs to loans | 0.0382% | 4,144 |
| Credit loss provision to net charge-offs | 888.8889% | 342 |
| Earnings coverage of net charge-offs (x) | 28.0222% | 1,201 |
| Efficiency ratio | 87.5161% | 1,275 |
| Assets per employee ($millions) | 2.8689% | 6,070 |
| Cash dividends to net income (ytd only)* | 45.2681% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2149% | 1,395 |
| Loan loss allowance to noncurrent loans | 40.1107% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 3.7687% | 975 |
| Noncurrent loans to loans | 5.5220% | 555 |
| Net loans and leases to total assets | 66.7381% | 2,461 |
| Net loans and leases to deposits | 79.4027% | 2,416 |
| Net loans and leases to core deposits | 96.7182% | 1,294 |
| Total domestic deposits to total assets | 84.0502% | 4,291 |
| Equity capital to assets | 10.2694% | 3,576 |
| Core capital (leverage) ratio | 9.8489% | 3,722 |
| Tier 1 risk-based capital ratio | 14.8409% | 3,879 |
| Total risk-based capital ratio | 16.1040% | 3,836 |
| Memoranda: | ||
| Average total assets | $354,659,330 | 1,839 |
| Average earning assets | $322,417,670 | 1,850 |
| Average equity | $36,810,670 | 1,897 |
| Average total loans | $235,524,330 | 1,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4708% | 385 |
| Cost of funding earning assets | 0.3903% | 5,199 |
| Net interest margin | 5.0804% | 250 |
| Noninterest income to average assets | 1.2382% | 1,002 |
| Noninterest expense to average assets | 5.0389% | 358 |
| Loan and lease loss provision to assets | 0.1681% | 2,177 |
| Net operating income to assets | 0.4140% | 5,074 |
| Return on assets (ROA) | 0.4549% | 5,056 |
| Pretax return on assets | 0.6230% | 4,866 |
| Return on Equity (ROE) | 4.3604% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.8258% | 5,084 |
| Net charge-offs to loans | -0.0513% | 6,152 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2696% | 1,392 |
| Assets per employee ($millions) | 2.8449% | 6,221 |
| Cash dividends to net income (ytd only)* | 58.1281% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 1,610 |
| Loan loss allowance to noncurrent loans | 43.5849% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 3.3544% | 1,295 |
| Noncurrent loans to loans | 5.0188% | 760 |
| Net loans and leases to total assets | 65.3753% | 2,485 |
| Net loans and leases to deposits | 78.2272% | 2,307 |
| Net loans and leases to core deposits | 95.9782% | 1,202 |
| Total domestic deposits to total assets | 83.5711% | 4,637 |
| Equity capital to assets | 10.7051% | 3,313 |
| Core capital (leverage) ratio | 10.0171% | 3,358 |
| Tier 1 risk-based capital ratio | 14.2753% | 4,304 |
| Total risk-based capital ratio | 15.5366% | 4,269 |
| Memoranda: | ||
| Average total assets | $356,984,000 | 1,853 |
| Average earning assets | $318,713,000 | 1,905 |
| Average equity | $37,244,000 | 1,905 |
| Average total loans | $233,846,000 | 1,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 826 |
| Cost of funding earning assets | 0.4547% | 5,546 |
| Net interest margin | 4.8946% | 452 |
| Noninterest income to average assets | 1.2574% | 990 |
| Noninterest expense to average assets | 5.1306% | 352 |
| Loan and lease loss provision to assets | 0.2027% | 3,114 |
| Net operating income to assets | 0.3376% | 5,340 |
| Return on assets (ROA) | 0.2921% | 5,702 |
| Pretax return on assets | 0.3142% | 5,793 |
| Return on Equity (ROE) | 2.9922% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.4338% | 4,523 |
| Net charge-offs to loans | 0.5311% | 2,134 |
| Credit loss provision to net charge-offs | 57.3123% | 4,514 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,644 |
| Efficiency ratio | 90.0672% | 1,065 |
| Assets per employee ($millions) | 2.8892% | 6,177 |
| Cash dividends to net income (ytd only)* | 18.6603% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 1,740 |
| Loan loss allowance to noncurrent loans | 31.7877% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 4.2655% | 986 |
| Noncurrent loans to loans | 6.6413% | 493 |
| Net loans and leases to total assets | 62.8704% | 3,083 |
| Net loans and leases to deposits | 81.7874% | 2,028 |
| Net loans and leases to core deposits | 101.4994% | 918 |
| Total domestic deposits to total assets | 76.8705% | 6,247 |
| Equity capital to assets | 10.1714% | 3,931 |
| Core capital (leverage) ratio | 9.9267% | 3,505 |
| Tier 1 risk-based capital ratio | 14.9942% | 3,722 |
| Total risk-based capital ratio | 16.2560% | 3,668 |
| Memoranda: | ||
| Average total assets | $357,718,400 | 1,817 |
| Average earning assets | $324,418,600 | 1,833 |
| Average equity | $34,924,400 | 1,985 |
| Average total loans | $238,183,800 | 1,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 841 |
| Cost of funding earning assets | 0.4588% | 5,731 |
| Net interest margin | 4.9385% | 443 |
| Noninterest income to average assets | 1.3010% | 870 |
| Noninterest expense to average assets | 5.2963% | 305 |
| Loan and lease loss provision to assets | 0.2153% | 2,914 |
| Net operating income to assets | 0.3188% | 5,550 |
| Return on assets (ROA) | 0.1790% | 6,125 |
| Pretax return on assets | 0.1857% | 6,149 |
| Return on Equity (ROE) | 1.8528% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.4729% | 5,594 |
| Net charge-offs to loans | 0.4670% | 2,235 |
| Credit loss provision to net charge-offs | 68.6158% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.7422% | 4,401 |
| Efficiency ratio | 90.6452% | 990 |
| Assets per employee ($millions) | 2.6741% | 6,529 |
| Cash dividends to net income (ytd only)* | 20.5015% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,600 |
| Loan loss allowance to noncurrent loans | 33.2653% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 4.7548% | 950 |
| Noncurrent loans to loans | 6.7876% | 550 |
| Net loans and leases to total assets | 65.9278% | 2,663 |
| Net loans and leases to deposits | 80.4081% | 2,331 |
| Net loans and leases to core deposits | 96.5870% | 1,366 |
| Total domestic deposits to total assets | 81.9915% | 5,032 |
| Equity capital to assets | 10.5023% | 3,843 |
| Core capital (leverage) ratio | 9.4585% | 4,333 |
| Tier 1 risk-based capital ratio | 15.0158% | 3,841 |
| Total risk-based capital ratio | 16.2796% | 3,776 |
| Memoranda: | ||
| Average total assets | $356,137,750 | 1,846 |
| Average earning assets | $327,542,000 | 1,835 |
| Average equity | $34,398,500 | 2,026 |
| Average total loans | $239,277,250 | 1,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 858 |
| Cost of funding earning assets | 0.4539% | 5,945 |
| Net interest margin | 4.9534% | 432 |
| Noninterest income to average assets | 1.2579% | 903 |
| Noninterest expense to average assets | 5.2102% | 330 |
| Loan and lease loss provision to assets | 0.2079% | 2,997 |
| Net operating income to assets | 0.3102% | 5,583 |
| Return on assets (ROA) | 0.2367% | 5,995 |
| Pretax return on assets | 0.3066% | 5,954 |
| Return on Equity (ROE) | 2.5205% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.5205% | 4,925 |
| Net charge-offs to loans | 0.5568% | 1,917 |
| Credit loss provision to net charge-offs | 55.6380% | 3,909 |
| Earnings coverage of net charge-offs (x) | 1.6320% | 4,178 |
| Efficiency ratio | 89.5218% | 1,113 |
| Assets per employee ($millions) | 2.7403% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 1,888 |
| Loan loss allowance to noncurrent loans | 36.9435% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.1681% | 1,202 |
| Noncurrent loans to loans | 5.8187% | 779 |
| Net loans and leases to total assets | 67.1971% | 2,428 |
| Net loans and leases to deposits | 84.3166% | 1,812 |
| Net loans and leases to core deposits | 101.6627% | 997 |
| Total domestic deposits to total assets | 79.6962% | 5,816 |
| Equity capital to assets | 9.9449% | 4,422 |
| Core capital (leverage) ratio | 9.3067% | 4,444 |
| Tier 1 risk-based capital ratio | 14.1336% | 4,351 |
| Total risk-based capital ratio | 15.3956% | 4,313 |
| Memoranda: | ||
| Average total assets | $360,754,330 | 1,827 |
| Average earning assets | $332,256,330 | 1,809 |
| Average equity | $33,882,000 | 2,043 |
| Average total loans | $242,077,670 | 1,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 754 |
| Cost of funding earning assets | 0.4674% | 6,037 |
| Net interest margin | 5.0315% | 379 |
| Noninterest income to average assets | 1.4939% | 647 |
| Noninterest expense to average assets | 5.0876% | 344 |
| Loan and lease loss provision to assets | 0.4101% | 1,534 |
| Net operating income to assets | 0.4253% | 5,139 |
| Return on assets (ROA) | 0.4046% | 5,419 |
| Pretax return on assets | 0.5818% | 5,176 |
| Return on Equity (ROE) | 4.4336% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.4336% | 3,937 |
| Net charge-offs to loans | 0.1863% | 2,986 |
| Credit loss provision to net charge-offs | 331.8584% | 907 |
| Earnings coverage of net charge-offs (x) | 8.2655% | 1,978 |
| Efficiency ratio | 83.2796% | 1,762 |
| Assets per employee ($millions) | 2.7840% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3353% | 1,616 |
| Loan loss allowance to noncurrent loans | 37.6930% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 4.1424% | 1,321 |
| Noncurrent loans to loans | 6.1957% | 799 |
| Net loans and leases to total assets | 65.2974% | 2,597 |
| Net loans and leases to deposits | 84.5423% | 1,591 |
| Net loans and leases to core deposits | 99.3389% | 1,027 |
| Total domestic deposits to total assets | 77.2364% | 6,359 |
| Equity capital to assets | 9.0894% | 5,372 |
| Core capital (leverage) ratio | 9.2642% | 4,417 |
| Tier 1 risk-based capital ratio | 13.9649% | 4,492 |
| Total risk-based capital ratio | 15.2293% | 4,447 |
| Memoranda: | ||
| Average total assets | $365,750,500 | 1,809 |
| Average earning assets | $335,485,000 | 1,800 |
| Average equity | $33,381,500 | 2,073 |
| Average total loans | $242,676,500 | 1,703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 1,246 |
| Cost of funding earning assets | 0.5717% | 6,228 |
| Net interest margin | 4.8964% | 513 |
| Noninterest income to average assets | 1.3299% | 730 |
| Noninterest expense to average assets | 4.8691% | 423 |
| Loan and lease loss provision to assets | 0.6174% | 1,671 |
| Net operating income to assets | 0.2398% | 5,461 |
| Return on assets (ROA) | 0.3026% | 5,395 |
| Pretax return on assets | 0.3882% | 5,327 |
| Return on Equity (ROE) | 3.5411% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.5613% | 4,405 |
| Net charge-offs to loans | 0.2981% | 3,916 |
| Credit loss provision to net charge-offs | 328.1690% | 712 |
| Earnings coverage of net charge-offs (x) | 4.9169% | 2,943 |
| Efficiency ratio | 84.0353% | 1,761 |
| Assets per employee ($millions) | 2.7576% | 6,520 |
| Cash dividends to net income (ytd only)* | 27.6708% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,641 |
| Loan loss allowance to noncurrent loans | 34.9101% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 4.3093% | 1,294 |
| Noncurrent loans to loans | 6.5454% | 708 |
| Net loans and leases to total assets | 64.3326% | 3,112 |
| Net loans and leases to deposits | 80.9854% | 2,363 |
| Net loans and leases to core deposits | 93.0181% | 1,796 |
| Total domestic deposits to total assets | 79.4372% | 5,883 |
| Equity capital to assets | 9.1647% | 5,335 |
| Core capital (leverage) ratio | 9.0213% | 4,742 |
| Tier 1 risk-based capital ratio | 13.4893% | 4,700 |
| Total risk-based capital ratio | 14.7519% | 4,658 |
| Memoranda: | ||
| Average total assets | $377,397,600 | 1,723 |
| Average earning assets | $344,090,600 | 1,734 |
| Average equity | $32,249,800 | 2,067 |
| Average total loans | $238,148,000 | 1,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 1,303 |
| Cost of funding earning assets | 0.5886% | 6,337 |
| Net interest margin | 4.8917% | 518 |
| Noninterest income to average assets | 1.2873% | 783 |
| Noninterest expense to average assets | 4.8301% | 429 |
| Loan and lease loss provision to assets | 0.5498% | 1,788 |
| Net operating income to assets | 0.2841% | 5,452 |
| Return on assets (ROA) | 0.3176% | 5,505 |
| Pretax return on assets | 0.4027% | 5,461 |
| Return on Equity (ROE) | 3.7823% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.7823% | 4,050 |
| Net charge-offs to loans | 0.2832% | 3,663 |
| Credit loss provision to net charge-offs | 310.8911% | 908 |
| Earnings coverage of net charge-offs (x) | 5.1465% | 2,862 |
| Efficiency ratio | 84.1447% | 1,717 |
| Assets per employee ($millions) | 2.7177% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 2,289 |
| Loan loss allowance to noncurrent loans | 29.2976% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 4.4796% | 1,341 |
| Noncurrent loans to loans | 6.8808% | 734 |
| Net loans and leases to total assets | 63.7896% | 3,351 |
| Net loans and leases to deposits | 79.3837% | 2,748 |
| Net loans and leases to core deposits | 92.5381% | 1,932 |
| Total domestic deposits to total assets | 80.3560% | 5,632 |
| Equity capital to assets | 9.1005% | 5,639 |
| Core capital (leverage) ratio | 8.8238% | 5,223 |
| Tier 1 risk-based capital ratio | 13.5498% | 4,701 |
| Total risk-based capital ratio | 14.8097% | 4,663 |
| Memoranda: | ||
| Average total assets | $380,745,250 | 1,708 |
| Average earning assets | $346,588,750 | 1,721 |
| Average equity | $31,972,250 | 2,076 |
| Average total loans | $237,772,250 | 1,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 1,268 |
| Cost of funding earning assets | 0.6019% | 6,456 |
| Net interest margin | 4.9135% | 472 |
| Noninterest income to average assets | 1.1954% | 902 |
| Noninterest expense to average assets | 4.7197% | 472 |
| Loan and lease loss provision to assets | 0.5645% | 1,714 |
| Net operating income to assets | 0.3055% | 5,355 |
| Return on assets (ROA) | 0.3042% | 5,494 |
| Pretax return on assets | 0.3685% | 5,487 |
| Return on Equity (ROE) | 3.7244% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,843 |
| Net charge-offs to loans | 0.1918% | 4,009 |
| Credit loss provision to net charge-offs | 477.8761% | 647 |
| Earnings coverage of net charge-offs (x) | 7.9115% | 2,145 |
| Efficiency ratio | 83.4720% | 1,888 |
| Assets per employee ($millions) | 2.8270% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 2,365 |
| Loan loss allowance to noncurrent loans | 29.1566% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 4.1424% | 1,541 |
| Noncurrent loans to loans | 6.8718% | 765 |
| Net loans and leases to total assets | 59.0741% | 4,453 |
| Net loans and leases to deposits | 77.3436% | 3,246 |
| Net loans and leases to core deposits | 89.2556% | 2,468 |
| Total domestic deposits to total assets | 76.3788% | 6,538 |
| Equity capital to assets | 8.2562% | 6,464 |
| Core capital (leverage) ratio | 8.7011% | 5,226 |
| Tier 1 risk-based capital ratio | 13.5387% | 4,493 |
| Total risk-based capital ratio | 14.7976% | 4,478 |
| Memoranda: | ||
| Average total assets | $382,648,330 | 1,711 |
| Average earning assets | $347,244,670 | 1,726 |
| Average equity | $31,253,000 | 2,113 |
| Average total loans | $235,644,330 | 1,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 1,139 |
| Cost of funding earning assets | 0.6601% | 6,346 |
| Net interest margin | 4.9045% | 457 |
| Noninterest income to average assets | 1.1306% | 1,021 |
| Noninterest expense to average assets | 4.7389% | 458 |
| Loan and lease loss provision to assets | 0.5067% | 1,714 |
| Net operating income to assets | 0.3413% | 5,218 |
| Return on assets (ROA) | 0.2914% | 5,526 |
| Pretax return on assets | 0.3505% | 5,506 |
| Return on Equity (ROE) | 3.5874% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.5874% | 4,031 |
| Net charge-offs to loans | -0.0780% | 7,014 |
| Credit loss provision to net charge-offs | -1,043.4783% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7813% | 1,984 |
| Assets per employee ($millions) | 2.8041% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,781 |
| Loan loss allowance to noncurrent loans | 24.9190% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 4.6810% | 1,365 |
| Noncurrent loans to loans | 7.5147% | 691 |
| Net loans and leases to total assets | 61.1255% | 4,053 |
| Net loans and leases to deposits | 77.9797% | 3,064 |
| Net loans and leases to core deposits | 101.3659% | 1,245 |
| Total domestic deposits to total assets | 78.3864% | 6,321 |
| Equity capital to assets | 8.1908% | 6,288 |
| Core capital (leverage) ratio | 8.4059% | 5,618 |
| Tier 1 risk-based capital ratio | 13.2328% | 4,631 |
| Total risk-based capital ratio | 14.4898% | 4,607 |
| Memoranda: | ||
| Average total assets | $378,906,500 | 1,734 |
| Average earning assets | $349,638,000 | 1,718 |
| Average equity | $30,774,500 | 2,125 |
| Average total loans | $235,877,000 | 1,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 2,209 |
| Cost of funding earning assets | 0.8119% | 6,512 |
| Net interest margin | 4.7071% | 805 |
| Noninterest income to average assets | 1.1515% | 1,115 |
| Noninterest expense to average assets | 4.8593% | 471 |
| Loan and lease loss provision to assets | 0.5450% | 2,962 |
| Net operating income to assets | 0.1509% | 5,438 |
| Return on assets (ROA) | 0.0816% | 5,769 |
| Pretax return on assets | 0.0392% | 5,816 |
| Return on Equity (ROE) | 0.9986% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.3975% | 5,380 |
| Net charge-offs to loans | 0.4037% | 4,025 |
| Credit loss provision to net charge-offs | 223.8148% | 1,337 |
| Earnings coverage of net charge-offs (x) | 2.6836% | 3,751 |
| Efficiency ratio | 88.1465% | 1,471 |
| Assets per employee ($millions) | 2.7290% | 6,643 |
| Cash dividends to net income (ytd only)* | 60.1974% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,496 |
| Loan loss allowance to noncurrent loans | 28.5197% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 3.5397% | 1,950 |
| Noncurrent loans to loans | 5.6897% | 1,132 |
| Net loans and leases to total assets | 61.2033% | 4,453 |
| Net loans and leases to deposits | 78.7833% | 3,370 |
| Net loans and leases to core deposits | 89.6975% | 2,809 |
| Total domestic deposits to total assets | 77.6856% | 6,371 |
| Equity capital to assets | 8.0542% | 6,437 |
| Core capital (leverage) ratio | 8.5351% | 5,293 |
| Tier 1 risk-based capital ratio | 13.3180% | 4,359 |
| Total risk-based capital ratio | 14.5725% | 4,320 |
| Memoranda: | ||
| Average total assets | $372,479,600 | 1,769 |
| Average earning assets | $345,118,000 | 1,733 |
| Average equity | $30,441,400 | 2,145 |
| Average total loans | $224,648,800 | 1,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 2,196 |
| Cost of funding earning assets | 0.8539% | 6,568 |
| Net interest margin | 4.7105% | 826 |
| Noninterest income to average assets | 1.1619% | 1,034 |
| Noninterest expense to average assets | 4.7177% | 481 |
| Loan and lease loss provision to assets | 0.5980% | 2,555 |
| Net operating income to assets | 0.2133% | 5,472 |
| Return on assets (ROA) | 0.1643% | 5,761 |
| Pretax return on assets | 0.1596% | 5,815 |
| Return on Equity (ROE) | 2.0027% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.3307% | 5,277 |
| Net charge-offs to loans | 0.1590% | 5,047 |
| Credit loss provision to net charge-offs | 628.7879% | 470 |
| Earnings coverage of net charge-offs (x) | 8.4811% | 2,157 |
| Efficiency ratio | 85.3985% | 1,690 |
| Assets per employee ($millions) | 3.1279% | 5,860 |
| Cash dividends to net income (ytd only)* | 33.5521% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,782 |
| Loan loss allowance to noncurrent loans | 25.8192% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 4.2605% | 1,606 |
| Noncurrent loans to loans | 6.9801% | 811 |
| Net loans and leases to total assets | 59.9388% | 4,926 |
| Net loans and leases to deposits | 71.4870% | 4,913 |
| Net loans and leases to core deposits | 80.7165% | 4,418 |
| Total domestic deposits to total assets | 83.8458% | 4,214 |
| Equity capital to assets | 8.4420% | 6,343 |
| Core capital (leverage) ratio | 8.4101% | 5,682 |
| Tier 1 risk-based capital ratio | 14.2059% | 3,688 |
| Total risk-based capital ratio | 15.4632% | 3,653 |
| Memoranda: | ||
| Average total assets | $370,083,750 | 1,794 |
| Average earning assets | $342,742,000 | 1,773 |
| Average equity | $30,358,750 | 2,172 |
| Average total loans | $221,388,000 | 1,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 2,018 |
| Cost of funding earning assets | 0.8721% | 6,682 |
| Net interest margin | 4.7594% | 710 |
| Noninterest income to average assets | 1.1707% | 939 |
| Noninterest expense to average assets | 4.7479% | 459 |
| Loan and lease loss provision to assets | 0.6006% | 2,388 |
| Net operating income to assets | 0.2313% | 5,453 |
| Return on assets (ROA) | 0.1417% | 5,858 |
| Pretax return on assets | 0.1243% | 5,931 |
| Return on Equity (ROE) | 1.7449% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.7449% | 4,996 |
| Net charge-offs to loans | -0.0366% | 7,392 |
| Credit loss provision to net charge-offs | -2,765.0000% | 6,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3573% | 1,782 |
| Assets per employee ($millions) | 2.9156% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 2,939 |
| Loan loss allowance to noncurrent loans | 27.7746% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 3.6566% | 1,915 |
| Noncurrent loans to loans | 6.2561% | 988 |
| Net loans and leases to total assets | 57.4330% | 5,498 |
| Net loans and leases to deposits | 70.2831% | 5,233 |
| Net loans and leases to core deposits | 79.2758% | 4,775 |
| Total domestic deposits to total assets | 81.7165% | 5,103 |
| Equity capital to assets | 8.2159% | 6,524 |
| Core capital (leverage) ratio | 8.6125% | 5,212 |
| Tier 1 risk-based capital ratio | 13.0980% | 4,363 |
| Total risk-based capital ratio | 14.3522% | 4,314 |
| Memoranda: | ||
| Average total assets | $368,328,000 | 1,819 |
| Average earning assets | $339,874,000 | 1,802 |
| Average equity | $29,916,000 | 2,194 |
| Average total loans | $218,814,000 | 2,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 1,656 |
| Cost of funding earning assets | 0.8655% | 6,887 |
| Net interest margin | 4.8700% | 562 |
| Noninterest income to average assets | 1.1441% | 957 |
| Noninterest expense to average assets | 4.8772% | 401 |
| Loan and lease loss provision to assets | 0.6085% | 2,092 |
| Net operating income to assets | 0.1792% | 5,760 |
| Return on assets (ROA) | 0.1295% | 6,052 |
| Pretax return on assets | 0.0974% | 6,147 |
| Return on Equity (ROE) | 1.6036% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.6036% | 5,142 |
| Net charge-offs to loans | -0.0166% | 7,024 |
| Credit loss provision to net charge-offs | -6,111.1111% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5842% | 1,734 |
| Assets per employee ($millions) | 2.5884% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,792 |
| Loan loss allowance to noncurrent loans | 30.5388% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 2.9756% | 2,415 |
| Noncurrent loans to loans | 4.9868% | 1,456 |
| Net loans and leases to total assets | 58.7606% | 5,312 |
| Net loans and leases to deposits | 69.5195% | 5,404 |
| Net loans and leases to core deposits | 78.7424% | 4,928 |
| Total domestic deposits to total assets | 84.5239% | 3,885 |
| Equity capital to assets | 8.2502% | 6,370 |
| Core capital (leverage) ratio | 9.0011% | 4,567 |
| Tier 1 risk-based capital ratio | 13.4095% | 4,041 |
| Total risk-based capital ratio | 14.6612% | 3,999 |
| Memoranda: | ||
| Average total assets | $361,521,500 | 1,893 |
| Average earning assets | $333,227,000 | 1,879 |
| Average equity | $29,184,000 | 2,273 |
| Average total loans | $216,601,500 | 2,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 2,081 |
| Cost of funding earning assets | 1.2882% | 6,346 |
| Net interest margin | 4.6534% | 897 |
| Noninterest income to average assets | 1.3271% | 849 |
| Noninterest expense to average assets | 4.8107% | 602 |
| Loan and lease loss provision to assets | 0.6953% | 3,038 |
| Net operating income to assets | 0.1117% | 5,179 |
| Return on assets (ROA) | 0.0214% | 5,466 |
| Pretax return on assets | -0.0592% | 5,533 |
| Return on Equity (ROE) | 0.3059% | 5,437 |
| Retained earnings to average equity (ytd only) | -1.2516% | 5,329 |
| Net charge-offs to loans | 1.1410% | 2,143 |
| Credit loss provision to net charge-offs | 104.4714% | 5,293 |
| Earnings coverage of net charge-offs (x) | 1.1676% | 4,957 |
| Efficiency ratio | 85.9695% | 2,120 |
| Assets per employee ($millions) | 2.6326% | 6,977 |
| Cash dividends to net income (ytd only)* | 509.0909% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,992 |
| Loan loss allowance to noncurrent loans | 30.0826% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 2.5190% | 2,774 |
| Noncurrent loans to loans | 4.1871% | 1,742 |
| Net loans and leases to total assets | 59.4018% | 5,434 |
| Net loans and leases to deposits | 72.6874% | 5,234 |
| Net loans and leases to core deposits | 87.4068% | 5,396 |
| Total domestic deposits to total assets | 81.7223% | 5,058 |
| Equity capital to assets | 7.8941% | 6,680 |
| Core capital (leverage) ratio | 8.9378% | 4,526 |
| Tier 1 risk-based capital ratio | 13.3010% | 3,947 |
| Total risk-based capital ratio | 14.4637% | 3,950 |
| Memoranda: | ||
| Average total assets | $359,575,200 | 1,889 |
| Average earning assets | $329,220,000 | 1,887 |
| Average equity | $25,168,000 | 2,594 |
| Average total loans | $209,726,800 | 2,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9449% | 2,252 |
| Cost of funding earning assets | 1.3653% | 6,350 |
| Net interest margin | 4.5796% | 1,024 |
| Noninterest income to average assets | 1.3266% | 872 |
| Noninterest expense to average assets | 4.7480% | 591 |
| Loan and lease loss provision to assets | 0.9277% | 2,076 |
| Net operating income to assets | -0.0443% | 5,791 |
| Return on assets (ROA) | -0.1573% | 6,009 |
| Pretax return on assets | -0.3347% | 6,135 |
| Return on Equity (ROE) | -2.3224% | 6,142 |
| Retained earnings to average equity (ytd only) | -2.3224% | 5,784 |
| Net charge-offs to loans | 1.5801% | 1,298 |
| Credit loss provision to net charge-offs | 101.4610% | 5,015 |
| Earnings coverage of net charge-offs (x) | 0.8417% | 5,212 |
| Efficiency ratio | 85.8834% | 2,073 |
| Assets per employee ($millions) | 2.6572% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,626 |
| Loan loss allowance to noncurrent loans | 30.7346% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 2.4316% | 2,834 |
| Noncurrent loans to loans | 4.1591% | 1,745 |
| Net loans and leases to total assets | 57.7181% | 5,927 |
| Net loans and leases to deposits | 67.3877% | 6,182 |
| Net loans and leases to core deposits | 79.1151% | 6,412 |
| Total domestic deposits to total assets | 85.6507% | 2,887 |
| Equity capital to assets | 7.7925% | 7,047 |
| Core capital (leverage) ratio | 8.9680% | 4,696 |
| Tier 1 risk-based capital ratio | 13.4875% | 3,861 |
| Total risk-based capital ratio | 14.6403% | 3,870 |
| Memoranda: | ||
| Average total assets | $359,303,000 | 1,905 |
| Average earning assets | $328,810,000 | 1,904 |
| Average equity | $24,342,250 | 2,706 |
| Average total loans | $207,915,000 | 2,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 2,211 |
| Cost of funding earning assets | 1.4118% | 6,439 |
| Net interest margin | 4.5812% | 997 |
| Noninterest income to average assets | 1.3180% | 882 |
| Noninterest expense to average assets | 4.7094% | 636 |
| Loan and lease loss provision to assets | 1.1654% | 1,478 |
| Net operating income to assets | -0.1874% | 6,168 |
| Return on assets (ROA) | -0.2719% | 6,307 |
| Pretax return on assets | -0.5111% | 6,436 |
| Return on Equity (ROE) | -4.2227% | 6,507 |
| Retained earnings to average equity (ytd only) | -4.2227% | 6,172 |
| Net charge-offs to loans | 2.4077% | 738 |
| Credit loss provision to net charge-offs | 83.9329% | 5,090 |
| Earnings coverage of net charge-offs (x) | 0.5663% | 5,144 |
| Efficiency ratio | 85.4388% | 2,300 |
| Assets per employee ($millions) | 2.6166% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,735 |
| Loan loss allowance to noncurrent loans | 37.1514% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 3,709 |
| Noncurrent loans to loans | 2.9056% | 2,480 |
| Net loans and leases to total assets | 56.4666% | 6,159 |
| Net loans and leases to deposits | 64.0438% | 6,557 |
| Net loans and leases to core deposits | 73.4239% | 6,820 |
| Total domestic deposits to total assets | 88.1687% | 1,685 |
| Equity capital to assets | 7.1252% | 7,536 |
| Core capital (leverage) ratio | 8.9848% | 4,658 |
| Tier 1 risk-based capital ratio | 13.1882% | 4,007 |
| Total risk-based capital ratio | 14.1383% | 4,135 |
| Memoranda: | ||
| Average total assets | $360,384,000 | 1,925 |
| Average earning assets | $328,648,330 | 1,923 |
| Average equity | $23,207,670 | 2,845 |
| Average total loans | $207,829,330 | 2,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0299% | 2,235 |
| Cost of funding earning assets | 1.4640% | 6,527 |
| Net interest margin | 4.5659% | 1,006 |
| Noninterest income to average assets | 1.3210% | 820 |
| Noninterest expense to average assets | 4.5751% | 660 |
| Loan and lease loss provision to assets | 0.8888% | 1,473 |
| Net operating income to assets | 0.1033% | 5,972 |
| Return on assets (ROA) | 0.1033% | 6,137 |
| Pretax return on assets | 0.0567% | 6,266 |
| Return on Equity (ROE) | 1.6950% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.6950% | 4,899 |
| Net charge-offs to loans | 1.6887% | 854 |
| Credit loss provision to net charge-offs | 90.8059% | 3,987 |
| Earnings coverage of net charge-offs (x) | 0.9659% | 4,292 |
| Efficiency ratio | 82.5921% | 2,466 |
| Assets per employee ($millions) | 2.5442% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 4,631 |
| Loan loss allowance to noncurrent loans | 31.7569% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.2500% | 2,548 |
| Noncurrent loans to loans | 3.8552% | 1,589 |
| Net loans and leases to total assets | 57.6476% | 6,002 |
| Net loans and leases to deposits | 73.7456% | 5,512 |
| Net loans and leases to core deposits | 84.3277% | 6,037 |
| Total domestic deposits to total assets | 78.1709% | 5,949 |
| Equity capital to assets | 6.0814% | 7,982 |
| Core capital (leverage) ratio | 7.7041% | 6,880 |
| Tier 1 risk-based capital ratio | 12.4231% | 4,594 |
| Total risk-based capital ratio | 13.6055% | 4,579 |
| Memoranda: | ||
| Average total assets | $360,033,000 | 1,930 |
| Average earning assets | $331,149,000 | 1,913 |
| Average equity | $21,947,500 | 2,982 |
| Average total loans | $208,685,000 | 2,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0695% | 5,207 |
| Cost of funding earning assets | 1.5506% | 7,533 |
| Net interest margin | 4.5189% | 1,378 |
| Noninterest income to average assets | 1.2526% | 939 |
| Noninterest expense to average assets | 4.7299% | 746 |
| Loan and lease loss provision to assets | 0.1395% | 5,575 |
| Net operating income to assets | 0.4107% | 5,111 |
| Return on assets (ROA) | 0.4875% | 4,620 |
| Pretax return on assets | 0.6489% | 4,547 |
| Return on Equity (ROE) | 6.7093% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.9000% | 4,046 |
| Net charge-offs to loans | 0.3753% | 2,967 |
| Credit loss provision to net charge-offs | 64.4090% | 6,172 |
| Earnings coverage of net charge-offs (x) | 3.1673% | 4,502 |
| Efficiency ratio | 87.0420% | 1,763 |
| Assets per employee ($millions) | 2.6368% | 6,926 |
| Cash dividends to net income (ytd only)* | 71.6814% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,105 |
| Loan loss allowance to noncurrent loans | 29.2005% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 2.4714% | 1,966 |
| Noncurrent loans to loans | 4.2927% | 1,129 |
| Net loans and leases to total assets | 56.8502% | 6,345 |
| Net loans and leases to deposits | 79.3132% | 5,155 |
| Net loans and leases to core deposits | 92.3427% | 5,602 |
| Total domestic deposits to total assets | 71.6781% | 7,061 |
| Equity capital to assets | 6.1102% | 8,041 |
| Core capital (leverage) ratio | 7.5311% | 7,168 |
| Tier 1 risk-based capital ratio | 12.5729% | 4,394 |
| Total risk-based capital ratio | 13.8111% | 4,301 |
| Memoranda: | ||
| Average total assets | $347,685,400 | 1,913 |
| Average earning assets | $320,322,000 | 1,899 |
| Average equity | $25,263,600 | 2,622 |
| Average total loans | $200,662,400 | 2,290 |