Home > Legacy Bank > Performance and Condition Ratios
Legacy 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 | 6.3074% | 431 |
| Cost of funding earning assets | 1.7507% | 1,351 |
| Net interest margin | 4.5566% | 560 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 4.0333% | 358 |
| Loan and lease loss provision to assets | 0.7400% | 105 |
| Net operating income to assets | 0.0323% | 4,300 |
| Return on assets (ROA) | 0.0323% | 4,327 |
| Pretax return on assets | 0.0189% | 4,324 |
| Return on Equity (ROE) | 0.3400% | 4,316 |
| Retained earnings to average equity (ytd only) | -1.8677% | 4,262 |
| Net charge-offs to loans | 1.2751% | 71 |
| Credit loss provision to net charge-offs | 97.3838% | 1,875 |
| Earnings coverage of net charge-offs (x) | 0.9987% | 2,786 |
| Efficiency ratio | 84.1918% | 654 |
| Assets per employee ($millions) | 3.8352% | 4,214 |
| Cash dividends to net income (ytd only)* | 649.7462% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 744 |
| Loan loss allowance to noncurrent loans | 21.8470% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 4.5030% | 31 |
| Noncurrent loans to loans | 7.5903% | 20 |
| Net loans and leases to total assets | 58.3400% | 3,007 |
| Net loans and leases to deposits | 65.1910% | 3,225 |
| Net loans and leases to core deposits | 66.3301% | 3,483 |
| Total domestic deposits to total assets | 89.4900% | 909 |
| Equity capital to assets | 9.5521% | 2,313 |
| Core capital (leverage) ratio | 9.5377% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5831% | 829 |
| Memoranda: | ||
| Average total assets | $609,916,600 | 1,456 |
| Average earning assets | $571,935,200 | 1,434 |
| Average equity | $57,985,600 | 1,425 |
| Average total loans | $362,707,800 | 1,568 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 427 |
| Cost of funding earning assets | 1.6710% | 1,233 |
| Net interest margin | 4.5176% | 600 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.9524% | 370 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4942% | 3,778 |
| Return on assets (ROA) | 0.4942% | 3,779 |
| Pretax return on assets | 0.7205% | 3,505 |
| Return on Equity (ROE) | 5.2000% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.2761% | 3,672 |
| Net charge-offs to loans | -0.0183% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.2114% | 661 |
| Assets per employee ($millions) | 3.7904% | 4,240 |
| Cash dividends to net income (ytd only)* | 56.2637% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 601 |
| Loan loss allowance to noncurrent loans | 21.9384% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 4.7892% | 30 |
| Noncurrent loans to loans | 8.0693% | 19 |
| Net loans and leases to total assets | 58.3000% | 3,004 |
| Net loans and leases to deposits | 65.5301% | 3,171 |
| Net loans and leases to core deposits | 66.6852% | 3,394 |
| Total domestic deposits to total assets | 88.9700% | 1,264 |
| Equity capital to assets | 9.6909% | 2,000 |
| Core capital (leverage) ratio | 9.7758% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8817% | 828 |
| Memoranda: | ||
| Average total assets | $613,782,500 | 1,448 |
| Average earning assets | $575,924,000 | 1,431 |
| Average equity | $58,286,250 | 1,414 |
| Average total loans | $365,219,500 | 1,555 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1553% | 369 |
| Cost of funding earning assets | 1.5614% | 1,141 |
| Net interest margin | 4.5939% | 533 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.9515% | 352 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5488% | 3,700 |
| Return on assets (ROA) | 0.5488% | 3,708 |
| Pretax return on assets | 0.7987% | 3,401 |
| Return on Equity (ROE) | 5.8200% | 3,731 |
| Retained earnings to average equity (ytd only) | 1.4142% | 3,842 |
| Net charge-offs to loans | -0.0114% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.0418% | 708 |
| Assets per employee ($millions) | 3.9024% | 4,223 |
| Cash dividends to net income (ytd only)* | 75.6949% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 747 |
| Loan loss allowance to noncurrent loans | 36.9020% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7572% | 84 |
| Noncurrent loans to loans | 4.6098% | 62 |
| Net loans and leases to total assets | 58.7900% | 2,886 |
| Net loans and leases to deposits | 65.9806% | 3,056 |
| Net loans and leases to core deposits | 67.1044% | 3,284 |
| Total domestic deposits to total assets | 89.1100% | 1,215 |
| Equity capital to assets | 9.5728% | 2,112 |
| Core capital (leverage) ratio | 9.7799% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6824% | 859 |
| Memoranda: | ||
| Average total assets | $616,222,333 | 1,439 |
| Average earning assets | $578,328,333 | 1,424 |
| Average equity | $58,124,333 | 1,422 |
| Average total loans | $366,977,667 | 1,544 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1072% | 274 |
| Cost of funding earning assets | 1.3435% | 1,145 |
| Net interest margin | 4.7637% | 398 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.8719% | 388 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7181% | 3,425 |
| Return on assets (ROA) | 0.7181% | 3,380 |
| Pretax return on assets | 1.0517% | 2,853 |
| Return on Equity (ROE) | 7.6700% | 3,375 |
| Retained earnings to average equity (ytd only) | 2.3773% | 3,632 |
| Net charge-offs to loans | -0.0261% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6125% | 1,033 |
| Assets per employee ($millions) | 3.9876% | 4,252 |
| Cash dividends to net income (ytd only)* | 69.0027% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 896 |
| Loan loss allowance to noncurrent loans | 48.5733% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 117 |
| Noncurrent loans to loans | 3.4066% | 118 |
| Net loans and leases to total assets | 59.3600% | 2,731 |
| Net loans and leases to deposits | 66.6133% | 2,884 |
| Net loans and leases to core deposits | 67.6807% | 3,117 |
| Total domestic deposits to total assets | 89.1200% | 1,501 |
| Equity capital to assets | 9.5418% | 2,108 |
| Core capital (leverage) ratio | 9.4209% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8131% | 868 |
| Memoranda: | ||
| Average total assets | $619,949,000 | 1,457 |
| Average earning assets | $582,657,000 | 1,438 |
| Average equity | $58,048,500 | 1,434 |
| Average total loans | $368,407,000 | 1,552 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 341 |
| Cost of funding earning assets | 0.4824% | 1,511 |
| Net interest margin | 4.4516% | 319 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.0246% | 938 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1268% | 2,068 |
| Return on assets (ROA) | 1.1283% | 2,007 |
| Pretax return on assets | 1.5137% | 1,411 |
| Return on Equity (ROE) | 15.1400% | 1,223 |
| Retained earnings to average equity (ytd only) | 5.3114% | 2,916 |
| Net charge-offs to loans | 0.1112% | 675 |
| Credit loss provision to net charge-offs | 213.8376% | 1,078 |
| Earnings coverage of net charge-offs (x) | 22.6458% | 1,831 |
| Efficiency ratio | 64.4345% | 2,444 |
| Assets per employee ($millions) | 4.2218% | 4,188 |
| Cash dividends to net income (ytd only)* | 64.9066% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 950 |
| Loan loss allowance to noncurrent loans | 43.3579% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.1815% | 106 |
| Noncurrent loans to loans | 3.7237% | 100 |
| Net loans and leases to total assets | 57.6400% | 2,850 |
| Net loans and leases to deposits | 65.1910% | 2,942 |
| Net loans and leases to core deposits | 66.0545% | 3,128 |
| Total domestic deposits to total assets | 88.4200% | 1,929 |
| Equity capital to assets | 8.9570% | 2,385 |
| Core capital (leverage) ratio | 8.9102% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4342% | 904 |
| Memoranda: | ||
| Average total assets | $735,199,200 | 1,264 |
| Average earning assets | $698,555,200 | 1,234 |
| Average equity | $54,806,200 | 1,504 |
| Average total loans | $487,281,600 | 1,197 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 488 |
| Cost of funding earning assets | 0.3443% | 1,751 |
| Net interest margin | 4.1716% | 447 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.7986% | 1,252 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.1577% | 1,866 |
| Return on assets (ROA) | 1.1596% | 1,831 |
| Pretax return on assets | 1.4950% | 1,425 |
| Return on Equity (ROE) | 16.2300% | 933 |
| Retained earnings to average equity (ytd only) | 4.4662% | 3,299 |
| Net charge-offs to loans | 0.1418% | 463 |
| Credit loss provision to net charge-offs | 156.9091% | 1,106 |
| Earnings coverage of net charge-offs (x) | 17.0727% | 1,804 |
| Efficiency ratio | 63.0009% | 2,686 |
| Assets per employee ($millions) | 4.5435% | 4,019 |
| Cash dividends to net income (ytd only)* | 72.4830% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 1,908 |
| Loan loss allowance to noncurrent loans | 103.1233% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 638 |
| Noncurrent loans to loans | 1.2857% | 572 |
| Net loans and leases to total assets | 60.0500% | 2,501 |
| Net loans and leases to deposits | 74.0359% | 2,043 |
| Net loans and leases to core deposits | 74.9634% | 2,279 |
| Total domestic deposits to total assets | 81.1100% | 3,964 |
| Equity capital to assets | 7.9043% | 2,957 |
| Core capital (leverage) ratio | 8.8893% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0100% | 988 |
| Memoranda: | ||
| Average total assets | $761,735,750 | 1,231 |
| Average earning assets | $724,858,750 | 1,202 |
| Average equity | $54,421,750 | 1,525 |
| Average total loans | $516,968,750 | 1,148 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 447 |
| Cost of funding earning assets | 0.2502% | 2,265 |
| Net interest margin | 4.1376% | 377 |
| Noninterest income to average assets | 0.4890% | 2,261 |
| Noninterest expense to average assets | 2.7213% | 1,337 |
| Loan and lease loss provision to assets | 0.1194% | 837 |
| Net operating income to assets | 1.2880% | 1,174 |
| Return on assets (ROA) | 1.2909% | 1,144 |
| Pretax return on assets | 1.5958% | 945 |
| Return on Equity (ROE) | 18.6598% | 408 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,559 |
| Net charge-offs to loans | 0.2196% | 295 |
| Credit loss provision to net charge-offs | 77.7038% | 1,394 |
| Earnings coverage of net charge-offs (x) | 11.1414% | 1,738 |
| Efficiency ratio | 61.3885% | 3,127 |
| Assets per employee ($millions) | 4.7290% | 3,908 |
| Cash dividends to net income (ytd only)* | 71.1089% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,107 |
| Loan loss allowance to noncurrent loans | 70.1619% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 435 |
| Noncurrent loans to loans | 1.5885% | 460 |
| Net loans and leases to total assets | 65.4633% | 1,763 |
| Net loans and leases to deposits | 84.2432% | 1,102 |
| Net loans and leases to core deposits | 85.3944% | 1,380 |
| Total domestic deposits to total assets | 77.7075% | 4,369 |
| Equity capital to assets | 7.7978% | 3,270 |
| Core capital (leverage) ratio | 8.5719% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6591% | 1,042 |
| Memoranda: | ||
| Average total assets | $782,416,000 | 1,207 |
| Average earning assets | $745,793,333 | 1,192 |
| Average equity | $54,127,000 | 1,577 |
| Average total loans | $547,348,333 | 1,094 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 649 |
| Cost of funding earning assets | 0.2166% | 2,571 |
| Net interest margin | 3.8774% | 530 |
| Noninterest income to average assets | 0.4729% | 2,286 |
| Noninterest expense to average assets | 2.6684% | 1,432 |
| Loan and lease loss provision to assets | 0.0721% | 1,143 |
| Net operating income to assets | 1.3276% | 945 |
| Return on assets (ROA) | 1.3276% | 936 |
| Pretax return on assets | 1.4377% | 1,155 |
| Return on Equity (ROE) | 20.2986% | 224 |
| Retained earnings to average equity (ytd only) | 2.8966% | 3,300 |
| Net charge-offs to loans | 0.4348% | 159 |
| Credit loss provision to net charge-offs | 23.1612% | 1,281 |
| Earnings coverage of net charge-offs (x) | 4.8513% | 1,616 |
| Efficiency ratio | 63.8653% | 3,042 |
| Assets per employee ($millions) | 5.3884% | 3,404 |
| Cash dividends to net income (ytd only)* | 85.7300% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,094 |
| Loan loss allowance to noncurrent loans | 62.4613% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 530 |
| Noncurrent loans to loans | 1.4064% | 609 |
| Net loans and leases to total assets | 68.5120% | 1,163 |
| Net loans and leases to deposits | 98.5599% | 212 |
| Net loans and leases to core deposits | 99.6791% | 525 |
| Total domestic deposits to total assets | 69.5130% | 4,663 |
| Equity capital to assets | 6.7579% | 4,315 |
| Core capital (leverage) ratio | 8.6702% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7033% | 1,336 |
| Memoranda: | ||
| Average total assets | $821,314,500 | 1,169 |
| Average earning assets | $784,851,000 | 1,145 |
| Average equity | $53,718,000 | 1,630 |
| Average total loans | $587,789,500 | 1,038 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 891 |
| Cost of funding earning assets | 0.3125% | 2,268 |
| Net interest margin | 3.9566% | 779 |
| Noninterest income to average assets | 0.3877% | 3,119 |
| Noninterest expense to average assets | 2.0398% | 3,552 |
| Loan and lease loss provision to assets | -0.0006% | 4,131 |
| Net operating income to assets | 1.5553% | 897 |
| Return on assets (ROA) | 1.5553% | 930 |
| Pretax return on assets | 2.1559% | 450 |
| Return on Equity (ROE) | 32.6479% | 56 |
| Retained earnings to average equity (ytd only) | 23.2657% | 33 |
| Net charge-offs to loans | 0.0800% | 1,005 |
| Credit loss provision to net charge-offs | -0.9539% | 3,147 |
| Earnings coverage of net charge-offs (x) | 34.3084% | 1,516 |
| Efficiency ratio | 48.6227% | 4,372 |
| Assets per employee ($millions) | 5.5602% | 3,207 |
| Cash dividends to net income (ytd only)* | 28.7375% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 4,167 |
| Loan loss allowance to noncurrent loans | 36.0996% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 209 |
| Noncurrent loans to loans | 2.3661% | 293 |
| Net loans and leases to total assets | 73.2457% | 729 |
| Net loans and leases to deposits | 114.2608% | 59 |
| Net loans and leases to core deposits | 115.6416% | 207 |
| Total domestic deposits to total assets | 64.1039% | 4,744 |
| Equity capital to assets | 6.3354% | 4,803 |
| Core capital (leverage) ratio | 8.3182% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0367% | 1,500 |
| Memoranda: | ||
| Average total assets | $1,001,230,400 | 956 |
| Average earning assets | $963,468,000 | 935 |
| Average equity | $47,696,800 | 1,832 |
| Average total loans | $786,606,800 | 809 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 1,581 |
| Cost of funding earning assets | 0.3276% | 2,327 |
| Net interest margin | 3.6551% | 1,451 |
| Noninterest income to average assets | 0.3632% | 3,281 |
| Noninterest expense to average assets | 2.0101% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3441% | 1,704 |
| Return on assets (ROA) | 1.3441% | 1,757 |
| Pretax return on assets | 1.8737% | 994 |
| Return on Equity (ROE) | 30.2417% | 94 |
| Retained earnings to average equity (ytd only) | 25.0971% | 53 |
| Net charge-offs to loans | 0.1088% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.6578% | 1,707 |
| Efficiency ratio | 51.7557% | 4,045 |
| Assets per employee ($millions) | 6.5478% | 2,207 |
| Cash dividends to net income (ytd only)* | 17.0115% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 4,497 |
| Loan loss allowance to noncurrent loans | 49.9528% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 580 |
| Noncurrent loans to loans | 1.4072% | 758 |
| Net loans and leases to total assets | 77.1525% | 464 |
| Net loans and leases to deposits | 143.3626% | 16 |
| Net loans and leases to core deposits | 145.3139% | 66 |
| Total domestic deposits to total assets | 53.8164% | 4,856 |
| Equity capital to assets | 5.2822% | 4,905 |
| Core capital (leverage) ratio | 7.9255% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6495% | 1,737 |
| Memoranda: | ||
| Average total assets | $1,040,251,750 | 945 |
| Average earning assets | $1,001,973,000 | 909 |
| Average equity | $46,235,250 | 1,903 |
| Average total loans | $827,167,250 | 796 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 3,227 |
| Cost of funding earning assets | 0.3379% | 2,426 |
| Net interest margin | 3.0435% | 3,197 |
| Noninterest income to average assets | 0.3434% | 3,390 |
| Noninterest expense to average assets | 2.0324% | 3,597 |
| Loan and lease loss provision to assets | 0.0008% | 2,853 |
| Net operating income to assets | 0.8720% | 3,298 |
| Return on assets (ROA) | 0.8720% | 3,374 |
| Pretax return on assets | 1.2427% | 2,795 |
| Return on Equity (ROE) | 20.8102% | 398 |
| Retained earnings to average equity (ytd only) | 19.2715% | 176 |
| Net charge-offs to loans | 0.1216% | 640 |
| Credit loss provision to net charge-offs | 0.7722% | 1,798 |
| Earnings coverage of net charge-offs (x) | 12.7703% | 1,709 |
| Efficiency ratio | 62.0417% | 2,722 |
| Assets per employee ($millions) | 7.2233% | 1,649 |
| Cash dividends to net income (ytd only)* | 7.3938% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 4,666 |
| Loan loss allowance to noncurrent loans | 44.6793% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 692 |
| Noncurrent loans to loans | 1.3262% | 882 |
| Net loans and leases to total assets | 80.6837% | 276 |
| Net loans and leases to deposits | 177.0212% | 10 |
| Net loans and leases to core deposits | 179.3593% | 43 |
| Total domestic deposits to total assets | 45.5786% | 4,903 |
| Equity capital to assets | 4.1314% | 4,945 |
| Core capital (leverage) ratio | 7.3146% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3516% | 2,226 |
| Memoranda: | ||
| Average total assets | $1,063,976,000 | 919 |
| Average earning assets | $1,025,124,000 | 886 |
| Average equity | $44,584,000 | 1,947 |
| Average total loans | $851,902,333 | 775 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9932% | 4,102 |
| Cost of funding earning assets | 0.3148% | 2,841 |
| Net interest margin | 2.6784% | 4,010 |
| Noninterest income to average assets | 0.3413% | 3,388 |
| Noninterest expense to average assets | 1.9647% | 3,820 |
| Loan and lease loss provision to assets | 0.0268% | 2,432 |
| Net operating income to assets | 0.6010% | 3,941 |
| Return on assets (ROA) | 0.6010% | 4,003 |
| Pretax return on assets | 0.9260% | 3,547 |
| Return on Equity (ROE) | 14.2325% | 1,387 |
| Retained earnings to average equity (ytd only) | 14.2325% | 733 |
| Net charge-offs to loans | 0.1595% | 495 |
| Credit loss provision to net charge-offs | 21.1656% | 1,418 |
| Earnings coverage of net charge-offs (x) | 7.5184% | 1,608 |
| Efficiency ratio | 67.3418% | 2,022 |
| Assets per employee ($millions) | 8.2152% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 4,703 |
| Loan loss allowance to noncurrent loans | 45.9453% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 841 |
| Noncurrent loans to loans | 1.2657% | 1,021 |
| Net loans and leases to total assets | 77.1747% | 529 |
| Net loans and leases to deposits | 185.1220% | 11 |
| Net loans and leases to core deposits | 187.5320% | 43 |
| Total domestic deposits to total assets | 41.6886% | 4,934 |
| Equity capital to assets | 3.4916% | 4,973 |
| Core capital (leverage) ratio | 7.4388% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2779% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,028,936,500 | 933 |
| Average earning assets | $989,704,000 | 907 |
| Average equity | $43,450,000 | 1,965 |
| Average total loans | $817,627,500 | 800 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 681 |
| Cost of funding earning assets | 0.4683% | 3,162 |
| Net interest margin | 4.3747% | 426 |
| Noninterest income to average assets | 0.4942% | 2,657 |
| Noninterest expense to average assets | 3.3050% | 901 |
| Loan and lease loss provision to assets | 0.1464% | 2,544 |
| Net operating income to assets | 0.9632% | 2,428 |
| Return on assets (ROA) | 0.9651% | 2,566 |
| Pretax return on assets | 1.1360% | 2,565 |
| Return on Equity (ROE) | 15.2019% | 607 |
| Retained earnings to average equity (ytd only) | 7.6378% | 1,161 |
| Net charge-offs to loans | -0.0523% | 4,677 |
| Credit loss provision to net charge-offs | -347.6703% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0805% | 1,672 |
| Assets per employee ($millions) | 5.1543% | 3,222 |
| Cash dividends to net income (ytd only)* | 49.7575% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,151 |
| Loan loss allowance to noncurrent loans | 32.8490% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.2920% | 219 |
| Noncurrent loans to loans | 2.7815% | 336 |
| Net loans and leases to total assets | 81.5357% | 326 |
| Net loans and leases to deposits | 137.3061% | 32 |
| Net loans and leases to core deposits | 139.0818% | 123 |
| Total domestic deposits to total assets | 59.3824% | 4,917 |
| Equity capital to assets | 5.5137% | 4,987 |
| Core capital (leverage) ratio | 8.2858% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9298% | 2,656 |
| Memoranda: | ||
| Average total assets | $662,428,000 | 1,232 |
| Average earning assets | $619,452,200 | 1,231 |
| Average equity | $42,054,000 | 1,945 |
| Average total loans | $533,874,600 | 1,084 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 351 |
| Cost of funding earning assets | 0.5027% | 3,204 |
| Net interest margin | 4.7826% | 210 |
| Noninterest income to average assets | 0.5555% | 2,371 |
| Noninterest expense to average assets | 3.5859% | 625 |
| Loan and lease loss provision to assets | 0.1415% | 2,604 |
| Net operating income to assets | 0.6387% | 3,669 |
| Return on assets (ROA) | 0.6412% | 3,751 |
| Pretax return on assets | 1.2816% | 2,128 |
| Return on Equity (ROE) | 9.6988% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.6950% | 2,242 |
| Net charge-offs to loans | -0.0600% | 4,714 |
| Credit loss provision to net charge-offs | -294.2731% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6347% | 1,685 |
| Assets per employee ($millions) | 4.9510% | 3,309 |
| Cash dividends to net income (ytd only)* | 41.2814% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 4,254 |
| Loan loss allowance to noncurrent loans | 31.3736% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 163 |
| Noncurrent loans to loans | 2.6786% | 381 |
| Net loans and leases to total assets | 83.1027% | 351 |
| Net loans and leases to deposits | 145.0579% | 31 |
| Net loans and leases to core deposits | 146.9149% | 129 |
| Total domestic deposits to total assets | 57.2893% | 4,946 |
| Equity capital to assets | 5.3239% | 5,018 |
| Core capital (leverage) ratio | 8.2492% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8492% | 2,668 |
| Memoranda: | ||
| Average total assets | $629,593,750 | 1,267 |
| Average earning assets | $585,864,500 | 1,267 |
| Average equity | $41,626,000 | 1,946 |
| Average total loans | $504,050,750 | 1,118 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6375% | 76 |
| Cost of funding earning assets | 0.5303% | 3,348 |
| Net interest margin | 6.1071% | 60 |
| Noninterest income to average assets | 0.4493% | 2,809 |
| Noninterest expense to average assets | 4.0432% | 391 |
| Loan and lease loss provision to assets | 0.2308% | 1,824 |
| Net operating income to assets | 0.8468% | 2,879 |
| Return on assets (ROA) | 0.8509% | 2,978 |
| Pretax return on assets | 1.8325% | 767 |
| Return on Equity (ROE) | 11.8049% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.8049% | 480 |
| Net charge-offs to loans | -0.0828% | 4,808 |
| Credit loss provision to net charge-offs | -355.9140% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2686% | 2,476 |
| Assets per employee ($millions) | 4.9485% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,168 |
| Loan loss allowance to noncurrent loans | 142.0878% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 1,052 |
| Noncurrent loans to loans | 0.6023% | 2,342 |
| Net loans and leases to total assets | 80.9448% | 502 |
| Net loans and leases to deposits | 142.0436% | 35 |
| Net loans and leases to core deposits | 144.0382% | 139 |
| Total domestic deposits to total assets | 56.9859% | 4,983 |
| Equity capital to assets | 5.4200% | 5,052 |
| Core capital (leverage) ratio | 8.1522% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8888% | 2,652 |
| Memoranda: | ||
| Average total assets | $573,755,000 | 1,343 |
| Average earning assets | $530,986,000 | 1,346 |
| Average equity | $41,355,667 | 1,943 |
| Average total loans | $449,389,667 | 1,209 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 403 |
| Cost of funding earning assets | 0.6458% | 3,186 |
| Net interest margin | 4.8176% | 268 |
| Noninterest income to average assets | 0.1350% | 4,692 |
| Noninterest expense to average assets | 4.6993% | 261 |
| Loan and lease loss provision to assets | -1.0254% | 5,107 |
| Net operating income to assets | -0.1548% | 4,830 |
| Return on assets (ROA) | -0.1445% | 4,805 |
| Pretax return on assets | 0.8636% | 3,242 |
| Return on Equity (ROE) | -1.6517% | 4,825 |
| Retained earnings to average equity (ytd only) | -1.6517% | 4,214 |
| Net charge-offs to loans | -1.9206% | 5,070 |
| Credit loss provision to net charge-offs | 70.7463% | 1,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8631% | 195 |
| Assets per employee ($millions) | 2.8622% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,430 |
| Loan loss allowance to noncurrent loans | 216.7707% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5662% | 669 |
| Noncurrent loans to loans | 0.6804% | 2,293 |
| Net loans and leases to total assets | 75.5078% | 1,386 |
| Net loans and leases to deposits | 87.6396% | 1,787 |
| Net loans and leases to core deposits | 89.1104% | 2,435 |
| Total domestic deposits to total assets | 86.1571% | 1,939 |
| Equity capital to assets | 8.8078% | 4,688 |
| Core capital (leverage) ratio | 8.7083% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4897% | 2,935 |
| Memoranda: | ||
| Average total assets | $462,277,500 | 1,560 |
| Average earning assets | $421,205,000 | 1,598 |
| Average equity | $40,442,500 | 1,973 |
| Average total loans | $348,853,500 | 1,457 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 597 |
| Cost of funding earning assets | 0.6731% | 3,295 |
| Net interest margin | 4.7940% | 399 |
| Noninterest income to average assets | 1.0785% | 816 |
| Noninterest expense to average assets | 4.6796% | 263 |
| Loan and lease loss provision to assets | 0.0013% | 3,959 |
| Net operating income to assets | 0.7582% | 3,678 |
| Return on assets (ROA) | 0.7593% | 3,754 |
| Pretax return on assets | 0.7593% | 4,061 |
| Return on Equity (ROE) | 8.7453% | 2,860 |
| Retained earnings to average equity (ytd only) | 2.6391% | 3,717 |
| Net charge-offs to loans | 0.0811% | 1,947 |
| Credit loss provision to net charge-offs | 2.2727% | 3,377 |
| Earnings coverage of net charge-offs (x) | 13.2841% | 2,366 |
| Efficiency ratio | 86.0368% | 537 |
| Assets per employee ($millions) | 2.7937% | 4,910 |
| Cash dividends to net income (ytd only)* | 69.8232% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,628 |
| Loan loss allowance to noncurrent loans | 246.1659% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6707% | 560 |
| Noncurrent loans to loans | 0.5564% | 2,508 |
| Net loans and leases to total assets | 73.2799% | 1,879 |
| Net loans and leases to deposits | 84.8044% | 2,236 |
| Net loans and leases to core deposits | 86.0697% | 2,788 |
| Total domestic deposits to total assets | 86.4105% | 1,885 |
| Equity capital to assets | 8.6896% | 4,832 |
| Core capital (leverage) ratio | 8.7509% | 4,699 |
| Tier 1 risk-based capital ratio | 11.3395% | 4,712 |
| Total risk-based capital ratio | 12.5903% | 4,594 |
| Memoranda: | ||
| Average total assets | $461,768,600 | 1,517 |
| Average earning assets | $420,022,000 | 1,545 |
| Average equity | $40,090,000 | 1,929 |
| Average total loans | $325,605,400 | 1,512 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 618 |
| Cost of funding earning assets | 0.6825% | 3,294 |
| Net interest margin | 4.7896% | 425 |
| Noninterest income to average assets | 1.0802% | 788 |
| Noninterest expense to average assets | 4.6701% | 262 |
| Loan and lease loss provision to assets | -0.0014% | 5,028 |
| Net operating income to assets | 0.7666% | 3,784 |
| Return on assets (ROA) | 0.7666% | 3,854 |
| Pretax return on assets | 0.7666% | 4,198 |
| Return on Equity (ROE) | 8.8314% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.7287% | 3,040 |
| Net charge-offs to loans | -0.0079% | 4,321 |
| Credit loss provision to net charge-offs | 26.3158% | 2,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9232% | 509 |
| Assets per employee ($millions) | 2.7370% | 4,996 |
| Cash dividends to net income (ytd only)* | 46.4557% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,067 |
| Loan loss allowance to noncurrent loans | 218.4245% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1267% | 387 |
| Noncurrent loans to loans | 0.7178% | 2,169 |
| Net loans and leases to total assets | 68.5487% | 2,698 |
| Net loans and leases to deposits | 77.3602% | 3,163 |
| Net loans and leases to core deposits | 78.4773% | 3,515 |
| Total domestic deposits to total assets | 88.6098% | 779 |
| Equity capital to assets | 8.8892% | 4,833 |
| Core capital (leverage) ratio | 8.9317% | 4,681 |
| Tier 1 risk-based capital ratio | 12.2338% | 4,290 |
| Total risk-based capital ratio | 13.4869% | 4,175 |
| Memoranda: | ||
| Average total assets | $461,273,750 | 1,529 |
| Average earning assets | $419,429,750 | 1,551 |
| Average equity | $40,038,000 | 1,937 |
| Average total loans | $320,868,500 | 1,537 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 606 |
| Cost of funding earning assets | 0.6852% | 3,247 |
| Net interest margin | 4.7810% | 422 |
| Noninterest income to average assets | 1.0669% | 752 |
| Noninterest expense to average assets | 4.6020% | 276 |
| Loan and lease loss provision to assets | -0.0004% | 5,080 |
| Net operating income to assets | 0.8118% | 3,611 |
| Return on assets (ROA) | 0.8118% | 3,671 |
| Pretax return on assets | 0.8118% | 4,057 |
| Return on Equity (ROE) | 9.4276% | 2,669 |
| Retained earnings to average equity (ytd only) | 6.2801% | 2,157 |
| Net charge-offs to loans | -0.0267% | 4,644 |
| Credit loss provision to net charge-offs | 2.3256% | 2,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0116% | 596 |
| Assets per employee ($millions) | 2.7401% | 5,046 |
| Cash dividends to net income (ytd only)* | 33.3866% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,071 |
| Loan loss allowance to noncurrent loans | 212.4894% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1340% | 411 |
| Noncurrent loans to loans | 0.7439% | 2,130 |
| Net loans and leases to total assets | 68.2955% | 2,776 |
| Net loans and leases to deposits | 75.2614% | 3,397 |
| Net loans and leases to core deposits | 76.3859% | 3,694 |
| Total domestic deposits to total assets | 90.7444% | 141 |
| Equity capital to assets | 8.8408% | 4,886 |
| Core capital (leverage) ratio | 8.7592% | 4,801 |
| Tier 1 risk-based capital ratio | 12.2194% | 4,289 |
| Total risk-based capital ratio | 13.4725% | 4,158 |
| Memoranda: | ||
| Average total assets | $462,670,000 | 1,529 |
| Average earning assets | $420,621,670 | 1,554 |
| Average equity | $39,840,330 | 1,944 |
| Average total loans | $321,719,000 | 1,544 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 544 |
| Cost of funding earning assets | 0.6830% | 3,136 |
| Net interest margin | 4.7925% | 418 |
| Noninterest income to average assets | 1.0645% | 707 |
| Noninterest expense to average assets | 4.5485% | 279 |
| Loan and lease loss provision to assets | 0.0009% | 3,404 |
| Net operating income to assets | 0.8710% | 3,347 |
| Return on assets (ROA) | 0.8710% | 3,395 |
| Pretax return on assets | 0.8710% | 3,857 |
| Return on Equity (ROE) | 10.2497% | 2,260 |
| Retained earnings to average equity (ytd only) | 10.2497% | 975 |
| Net charge-offs to loans | -0.0247% | 4,574 |
| Credit loss provision to net charge-offs | -5.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9150% | 713 |
| Assets per employee ($millions) | 2.8658% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,162 |
| Loan loss allowance to noncurrent loans | 660.2378% | 837 |
| Noncurrent assets plus other real estate owned to assets | 1.7469% | 621 |
| Noncurrent loans to loans | 0.2357% | 3,730 |
| Net loans and leases to total assets | 67.6795% | 2,805 |
| Net loans and leases to deposits | 74.3368% | 3,424 |
| Net loans and leases to core deposits | 75.4182% | 3,697 |
| Total domestic deposits to total assets | 91.0443% | 164 |
| Equity capital to assets | 8.5823% | 4,936 |
| Core capital (leverage) ratio | 8.7250% | 4,850 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,369 |
| Total risk-based capital ratio | 13.4263% | 4,244 |
| Memoranda: | ||
| Average total assets | $465,208,000 | 1,537 |
| Average earning assets | $422,825,500 | 1,550 |
| Average equity | $39,533,000 | 1,941 |
| Average total loans | $323,811,000 | 1,552 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 499 |
| Cost of funding earning assets | 0.6554% | 2,356 |
| Net interest margin | 4.7204% | 464 |
| Noninterest income to average assets | 0.8468% | 1,317 |
| Noninterest expense to average assets | 4.5586% | 284 |
| Loan and lease loss provision to assets | 0.0230% | 3,710 |
| Net operating income to assets | 0.5336% | 4,589 |
| Return on assets (ROA) | 0.5336% | 4,583 |
| Pretax return on assets | 0.5336% | 4,749 |
| Return on Equity (ROE) | 6.2529% | 4,090 |
| Retained earnings to average equity (ytd only) | -0.2215% | 5,012 |
| Net charge-offs to loans | -0.1400% | 5,213 |
| Credit loss provision to net charge-offs | -22.5738% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1194% | 383 |
| Assets per employee ($millions) | 2.8598% | 5,065 |
| Cash dividends to net income (ytd only)* | 103.5427% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,216 |
| Loan loss allowance to noncurrent loans | 913.2110% | 668 |
| Noncurrent assets plus other real estate owned to assets | 1.7287% | 617 |
| Noncurrent loans to loans | 0.1669% | 3,998 |
| Net loans and leases to total assets | 69.3947% | 2,677 |
| Net loans and leases to deposits | 75.9851% | 3,350 |
| Net loans and leases to core deposits | 77.0931% | 3,637 |
| Total domestic deposits to total assets | 91.3266% | 144 |
| Equity capital to assets | 8.4128% | 4,981 |
| Core capital (leverage) ratio | 8.3814% | 5,076 |
| Tier 1 risk-based capital ratio | 11.7991% | 4,569 |
| Total risk-based capital ratio | 13.0520% | 4,442 |
| Memoranda: | ||
| Average total assets | $465,536,600 | 1,502 |
| Average earning assets | $420,963,600 | 1,523 |
| Average equity | $39,725,400 | 1,880 |
| Average total loans | $338,662,400 | 1,446 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 478 |
| Cost of funding earning assets | 0.6425% | 2,192 |
| Net interest margin | 4.7073% | 469 |
| Noninterest income to average assets | 1.1868% | 666 |
| Noninterest expense to average assets | 4.4839% | 298 |
| Loan and lease loss provision to assets | 0.0260% | 3,495 |
| Net operating income to assets | 0.9311% | 3,390 |
| Return on assets (ROA) | 0.9311% | 3,397 |
| Pretax return on assets | 0.9311% | 3,922 |
| Return on Equity (ROE) | 10.8734% | 2,228 |
| Retained earnings to average equity (ytd only) | 4.8003% | 3,347 |
| Net charge-offs to loans | -0.1920% | 5,296 |
| Credit loss provision to net charge-offs | -18.4959% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4089% | 747 |
| Assets per employee ($millions) | 2.8216% | 5,146 |
| Cash dividends to net income (ytd only)* | 55.8526% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,334 |
| Loan loss allowance to noncurrent loans | 1,975.7937% | 331 |
| Noncurrent assets plus other real estate owned to assets | 1.9694% | 544 |
| Noncurrent loans to loans | 0.0761% | 4,537 |
| Net loans and leases to total assets | 70.5296% | 2,562 |
| Net loans and leases to deposits | 77.6651% | 3,268 |
| Net loans and leases to core deposits | 78.7596% | 3,594 |
| Total domestic deposits to total assets | 90.8125% | 266 |
| Equity capital to assets | 8.7332% | 4,771 |
| Core capital (leverage) ratio | 8.6719% | 4,978 |
| Tier 1 risk-based capital ratio | 12.1071% | 4,443 |
| Total risk-based capital ratio | 13.3597% | 4,334 |
| Memoranda: | ||
| Average total assets | $466,097,750 | 1,508 |
| Average earning assets | $421,232,000 | 1,532 |
| Average equity | $39,912,750 | 1,859 |
| Average total loans | $341,708,750 | 1,434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 493 |
| Cost of funding earning assets | 0.6213% | 2,096 |
| Net interest margin | 4.6574% | 491 |
| Noninterest income to average assets | 1.1464% | 736 |
| Noninterest expense to average assets | 4.3547% | 341 |
| Loan and lease loss provision to assets | 0.0364% | 3,183 |
| Net operating income to assets | 0.9623% | 3,185 |
| Return on assets (ROA) | 0.9623% | 3,188 |
| Pretax return on assets | 0.9623% | 3,767 |
| Return on Equity (ROE) | 11.3117% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.1339% | 2,483 |
| Net charge-offs to loans | -0.2689% | 5,370 |
| Credit loss provision to net charge-offs | -18.3190% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3450% | 887 |
| Assets per employee ($millions) | 3.0193% | 5,084 |
| Cash dividends to net income (ytd only)* | 45.7740% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,645 |
| Loan loss allowance to noncurrent loans | 1,717.0139% | 375 |
| Noncurrent assets plus other real estate owned to assets | 2.0579% | 513 |
| Noncurrent loans to loans | 0.0833% | 4,537 |
| Net loans and leases to total assets | 72.3959% | 2,215 |
| Net loans and leases to deposits | 79.4544% | 3,009 |
| Net loans and leases to core deposits | 80.7454% | 3,352 |
| Total domestic deposits to total assets | 91.1163% | 222 |
| Equity capital to assets | 8.5323% | 4,920 |
| Core capital (leverage) ratio | 8.5523% | 5,071 |
| Tier 1 risk-based capital ratio | 11.4837% | 4,792 |
| Total risk-based capital ratio | 12.7356% | 4,694 |
| Memoranda: | ||
| Average total assets | $467,217,330 | 1,512 |
| Average earning assets | $422,038,670 | 1,541 |
| Average equity | $39,746,330 | 1,871 |
| Average total loans | $345,162,670 | 1,426 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 505 |
| Cost of funding earning assets | 0.6065% | 2,016 |
| Net interest margin | 4.5767% | 527 |
| Noninterest income to average assets | 1.1631% | 677 |
| Noninterest expense to average assets | 4.2775% | 365 |
| Loan and lease loss provision to assets | 0.0413% | 2,930 |
| Net operating income to assets | 0.9765% | 2,953 |
| Return on assets (ROA) | 0.9765% | 2,981 |
| Pretax return on assets | 0.9765% | 3,614 |
| Return on Equity (ROE) | 11.4964% | 1,770 |
| Retained earnings to average equity (ytd only) | 9.7152% | 1,253 |
| Net charge-offs to loans | -0.0209% | 4,583 |
| Credit loss provision to net charge-offs | -266.6667% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7792% | 1,062 |
| Assets per employee ($millions) | 2.8861% | 5,228 |
| Cash dividends to net income (ytd only)* | 15.4930% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,339 |
| Loan loss allowance to noncurrent loans | 636.5193% | 889 |
| Noncurrent assets plus other real estate owned to assets | 2.1356% | 502 |
| Noncurrent loans to loans | 0.2010% | 4,068 |
| Net loans and leases to total assets | 72.7566% | 2,055 |
| Net loans and leases to deposits | 79.7844% | 2,834 |
| Net loans and leases to core deposits | 80.8297% | 3,260 |
| Total domestic deposits to total assets | 91.1915% | 258 |
| Equity capital to assets | 8.4421% | 5,020 |
| Core capital (leverage) ratio | 8.7461% | 4,957 |
| Tier 1 risk-based capital ratio | 11.2485% | 5,007 |
| Total risk-based capital ratio | 12.4966% | 4,898 |
| Memoranda: | ||
| Average total assets | $465,321,000 | 1,524 |
| Average earning assets | $420,132,000 | 1,555 |
| Average equity | $39,525,500 | 1,890 |
| Average total loans | $344,775,500 | 1,425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 307 |
| Cost of funding earning assets | 0.5751% | 1,777 |
| Net interest margin | 4.8318% | 329 |
| Noninterest income to average assets | 1.1974% | 725 |
| Noninterest expense to average assets | 4.8810% | 234 |
| Loan and lease loss provision to assets | -0.0409% | 5,376 |
| Net operating income to assets | 0.6856% | 3,655 |
| Return on assets (ROA) | 0.6856% | 3,708 |
| Pretax return on assets | 0.6856% | 4,544 |
| Return on Equity (ROE) | 7.7151% | 2,940 |
| Retained earnings to average equity (ytd only) | 1.3308% | 4,481 |
| Net charge-offs to loans | -0.0338% | 5,086 |
| Credit loss provision to net charge-offs | 154.7009% | 1,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3323% | 513 |
| Assets per employee ($millions) | 2.5692% | 5,433 |
| Cash dividends to net income (ytd only)* | 82.7507% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,263 |
| Loan loss allowance to noncurrent loans | 682.6087% | 862 |
| Noncurrent assets plus other real estate owned to assets | 2.3393% | 421 |
| Noncurrent loans to loans | 0.1890% | 4,161 |
| Net loans and leases to total assets | 73.5415% | 1,996 |
| Net loans and leases to deposits | 80.6410% | 2,849 |
| Net loans and leases to core deposits | 81.7322% | 3,267 |
| Total domestic deposits to total assets | 91.1962% | 197 |
| Equity capital to assets | 8.5482% | 5,088 |
| Core capital (leverage) ratio | 8.5847% | 5,061 |
| Tier 1 risk-based capital ratio | 11.1930% | 5,040 |
| Total risk-based capital ratio | 12.4428% | 4,917 |
| Memoranda: | ||
| Average total assets | $442,208,200 | 1,571 |
| Average earning assets | $396,128,800 | 1,607 |
| Average equity | $39,299,600 | 1,885 |
| Average total loans | $345,675,000 | 1,390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 286 |
| Cost of funding earning assets | 0.5579% | 1,830 |
| Net interest margin | 4.8687% | 288 |
| Noninterest income to average assets | 1.3046% | 628 |
| Noninterest expense to average assets | 4.9783% | 225 |
| Loan and lease loss provision to assets | -0.1606% | 5,635 |
| Net operating income to assets | 0.8424% | 3,313 |
| Return on assets (ROA) | 0.8424% | 3,359 |
| Pretax return on assets | 0.8424% | 4,231 |
| Return on Equity (ROE) | 9.3853% | 2,408 |
| Retained earnings to average equity (ytd only) | 1.9177% | 4,670 |
| Net charge-offs to loans | -0.2563% | 5,583 |
| Credit loss provision to net charge-offs | 79.1604% | 2,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9540% | 514 |
| Assets per employee ($millions) | 2.5613% | 5,501 |
| Cash dividends to net income (ytd only)* | 79.5667% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,096 |
| Loan loss allowance to noncurrent loans | 459.9000% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 2.4425% | 455 |
| Noncurrent loans to loans | 0.2949% | 3,881 |
| Net loans and leases to total assets | 73.7942% | 1,948 |
| Net loans and leases to deposits | 81.2339% | 2,850 |
| Net loans and leases to core deposits | 82.2859% | 3,260 |
| Total domestic deposits to total assets | 90.8416% | 223 |
| Equity capital to assets | 8.6685% | 5,173 |
| Core capital (leverage) ratio | 8.7735% | 5,001 |
| Tier 1 risk-based capital ratio | 11.2911% | 5,082 |
| Total risk-based capital ratio | 12.5419% | 4,975 |
| Memoranda: | ||
| Average total assets | $438,429,250 | 1,593 |
| Average earning assets | $392,206,500 | 1,634 |
| Average equity | $39,351,250 | 1,898 |
| Average total loans | $346,914,000 | 1,395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 233 |
| Cost of funding earning assets | 0.5248% | 1,964 |
| Net interest margin | 5.0107% | 214 |
| Noninterest income to average assets | 1.4516% | 512 |
| Noninterest expense to average assets | 5.1027% | 210 |
| Loan and lease loss provision to assets | -0.2607% | 5,723 |
| Net operating income to assets | 1.0811% | 2,081 |
| Return on assets (ROA) | 1.0811% | 2,123 |
| Pretax return on assets | 1.0811% | 3,258 |
| Return on Equity (ROE) | 11.9019% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.4926% | 1,359 |
| Net charge-offs to loans | -0.4040% | 5,676 |
| Credit loss provision to net charge-offs | 80.0283% | 2,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1494% | 682 |
| Assets per employee ($millions) | 2.5096% | 5,546 |
| Cash dividends to net income (ytd only)* | 37.0465% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,108 |
| Loan loss allowance to noncurrent loans | 183.8194% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 421 |
| Noncurrent loans to loans | 0.7408% | 2,543 |
| Net loans and leases to total assets | 75.4569% | 1,619 |
| Net loans and leases to deposits | 83.3573% | 2,561 |
| Net loans and leases to core deposits | 84.0411% | 3,065 |
| Total domestic deposits to total assets | 90.5222% | 351 |
| Equity capital to assets | 9.1049% | 4,799 |
| Core capital (leverage) ratio | 9.1088% | 4,605 |
| Tier 1 risk-based capital ratio | 11.5731% | 4,910 |
| Total risk-based capital ratio | 12.8238% | 4,799 |
| Memoranda: | ||
| Average total assets | $433,458,000 | 1,611 |
| Average earning assets | $386,813,000 | 1,655 |
| Average equity | $39,372,000 | 1,899 |
| Average total loans | $349,503,000 | 1,395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 277 |
| Cost of funding earning assets | 0.4467% | 2,555 |
| Net interest margin | 4.9382% | 246 |
| Noninterest income to average assets | 1.2643% | 639 |
| Noninterest expense to average assets | 4.8893% | 249 |
| Loan and lease loss provision to assets | 0.0419% | 2,963 |
| Net operating income to assets | 0.7202% | 3,617 |
| Return on assets (ROA) | 0.7202% | 3,660 |
| Pretax return on assets | 0.7202% | 4,385 |
| Return on Equity (ROE) | 7.9383% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.1899% | 3,363 |
| Net charge-offs to loans | -0.0349% | 5,005 |
| Credit loss provision to net charge-offs | -145.1613% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5150% | 763 |
| Assets per employee ($millions) | 2.6765% | 5,554 |
| Cash dividends to net income (ytd only)* | 47.2186% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,702 |
| Loan loss allowance to noncurrent loans | 231.0749% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 3.0846% | 316 |
| Noncurrent loans to loans | 0.5485% | 3,171 |
| Net loans and leases to total assets | 80.9980% | 697 |
| Net loans and leases to deposits | 89.3698% | 1,621 |
| Net loans and leases to core deposits | 89.9973% | 2,349 |
| Total domestic deposits to total assets | 90.6324% | 415 |
| Equity capital to assets | 8.9743% | 4,830 |
| Core capital (leverage) ratio | 9.1551% | 4,539 |
| Tier 1 risk-based capital ratio | 10.5920% | 5,504 |
| Total risk-based capital ratio | 11.8196% | 5,431 |
| Memoranda: | ||
| Average total assets | $429,345,000 | 1,638 |
| Average earning assets | $381,433,500 | 1,686 |
| Average equity | $38,950,500 | 1,922 |
| Average total loans | $355,313,500 | 1,380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 230 |
| Cost of funding earning assets | 0.3908% | 3,095 |
| Net interest margin | 5.1662% | 179 |
| Noninterest income to average assets | 1.4639% | 546 |
| Noninterest expense to average assets | 5.4731% | 210 |
| Loan and lease loss provision to assets | 0.0198% | 3,974 |
| Net operating income to assets | 0.5579% | 4,403 |
| Return on assets (ROA) | 0.6552% | 4,093 |
| Pretax return on assets | 0.6552% | 4,637 |
| Return on Equity (ROE) | 7.3847% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.6635% | 2,576 |
| Net charge-offs to loans | 0.2679% | 1,034 |
| Credit loss provision to net charge-offs | 8.8266% | 3,744 |
| Earnings coverage of net charge-offs (x) | 2.5691% | 3,809 |
| Efficiency ratio | 90.4523% | 530 |
| Assets per employee ($millions) | 2.5915% | 5,622 |
| Cash dividends to net income (ytd only)* | 36.8496% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7560% | 399 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.4443% | 547 |
| Net loans and leases to deposits | 91.0863% | 1,565 |
| Net loans and leases to core deposits | 91.6014% | 2,337 |
| Total domestic deposits to total assets | 90.5123% | 447 |
| Equity capital to assets | 9.1731% | 4,612 |
| Core capital (leverage) ratio | 9.1761% | 4,514 |
| Tier 1 risk-based capital ratio | 10.6748% | 5,499 |
| Total risk-based capital ratio | 11.9040% | 5,427 |
| Memoranda: | ||
| Average total assets | $428,241,400 | 1,586 |
| Average earning assets | $380,222,600 | 1,638 |
| Average equity | $37,997,600 | 1,925 |
| Average total loans | $359,426,000 | 1,308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5364% | 235 |
| Cost of funding earning assets | 0.3941% | 3,079 |
| Net interest margin | 5.1423% | 194 |
| Noninterest income to average assets | 1.4835% | 544 |
| Noninterest expense to average assets | 5.5126% | 205 |
| Loan and lease loss provision to assets | 0.0248% | 3,751 |
| Net operating income to assets | 0.5135% | 4,646 |
| Return on assets (ROA) | 0.6429% | 4,237 |
| Pretax return on assets | 0.6429% | 4,759 |
| Return on Equity (ROE) | 7.3066% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.6689% | 3,044 |
| Net charge-offs to loans | -0.2566% | 5,812 |
| Credit loss provision to net charge-offs | -11.5108% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1030% | 507 |
| Assets per employee ($millions) | 2.4458% | 5,756 |
| Cash dividends to net income (ytd only)* | 36.1004% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 1,173 |
| Loan loss allowance to noncurrent loans | 343.2341% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 3.4024% | 298 |
| Noncurrent loans to loans | 0.5007% | 3,505 |
| Net loans and leases to total assets | 83.5900% | 451 |
| Net loans and leases to deposits | 92.6196% | 1,419 |
| Net loans and leases to core deposits | 93.3220% | 2,252 |
| Total domestic deposits to total assets | 90.2509% | 385 |
| Equity capital to assets | 9.1586% | 5,021 |
| Core capital (leverage) ratio | 8.8354% | 5,019 |
| Tier 1 risk-based capital ratio | 10.2413% | 5,720 |
| Total risk-based capital ratio | 11.4959% | 5,658 |
| Memoranda: | ||
| Average total assets | $429,696,500 | 1,577 |
| Average earning assets | $381,661,500 | 1,638 |
| Average equity | $37,809,750 | 1,945 |
| Average total loans | $361,102,000 | 1,299 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 251 |
| Cost of funding earning assets | 0.3957% | 3,088 |
| Net interest margin | 5.1178% | 202 |
| Noninterest income to average assets | 1.4804% | 540 |
| Noninterest expense to average assets | 5.4900% | 210 |
| Loan and lease loss provision to assets | 0.0397% | 3,361 |
| Net operating income to assets | 0.4978% | 4,690 |
| Return on assets (ROA) | 0.6902% | 3,993 |
| Pretax return on assets | 0.6902% | 4,652 |
| Return on Equity (ROE) | 7.9479% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.9078% | 2,174 |
| Net charge-offs to loans | -0.0358% | 5,214 |
| Credit loss provision to net charge-offs | -132.3077% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0830% | 544 |
| Assets per employee ($millions) | 2.4756% | 5,801 |
| Cash dividends to net income (ytd only)* | 25.6684% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,917 |
| Loan loss allowance to noncurrent loans | 227.1937% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 3.5509% | 296 |
| Noncurrent loans to loans | 0.6538% | 3,115 |
| Net loans and leases to total assets | 85.9947% | 253 |
| Net loans and leases to deposits | 95.0481% | 1,182 |
| Net loans and leases to core deposits | 95.8794% | 1,987 |
| Total domestic deposits to total assets | 90.4749% | 325 |
| Equity capital to assets | 8.9978% | 5,240 |
| Core capital (leverage) ratio | 8.4407% | 5,410 |
| Tier 1 risk-based capital ratio | 9.8071% | 5,894 |
| Total risk-based capital ratio | 11.0591% | 5,859 |
| Memoranda: | ||
| Average total assets | $433,518,000 | 1,569 |
| Average earning assets | $385,164,670 | 1,623 |
| Average equity | $37,645,000 | 1,958 |
| Average total loans | $362,898,330 | 1,293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 303 |
| Cost of funding earning assets | 0.3801% | 3,294 |
| Net interest margin | 4.9942% | 252 |
| Noninterest income to average assets | 1.4227% | 555 |
| Noninterest expense to average assets | 5.0641% | 262 |
| Loan and lease loss provision to assets | 0.1040% | 1,972 |
| Net operating income to assets | 0.7004% | 3,710 |
| Return on assets (ROA) | 0.7004% | 3,827 |
| Pretax return on assets | 0.7004% | 4,526 |
| Return on Equity (ROE) | 8.2090% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.2090% | 1,372 |
| Net charge-offs to loans | 0.2748% | 773 |
| Credit loss provision to net charge-offs | 46.1538% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.5709% | 2,526 |
| Efficiency ratio | 86.2937% | 950 |
| Assets per employee ($millions) | 2.5624% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 2,238 |
| Loan loss allowance to noncurrent loans | 219.8057% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 3.4243% | 338 |
| Noncurrent loans to loans | 0.6561% | 3,203 |
| Net loans and leases to total assets | 80.7121% | 716 |
| Net loans and leases to deposits | 88.6586% | 1,743 |
| Net loans and leases to core deposits | 89.3014% | 2,441 |
| Total domestic deposits to total assets | 91.0370% | 263 |
| Equity capital to assets | 8.6272% | 5,474 |
| Core capital (leverage) ratio | 8.5652% | 5,328 |
| Tier 1 risk-based capital ratio | 9.8108% | 5,946 |
| Total risk-based capital ratio | 11.0618% | 5,921 |
| Memoranda: | ||
| Average total assets | $438,614,500 | 1,552 |
| Average earning assets | $390,455,500 | 1,605 |
| Average equity | $37,422,500 | 1,964 |
| Average total loans | $359,584,500 | 1,298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 397 |
| Cost of funding earning assets | 0.3975% | 3,188 |
| Net interest margin | 4.8489% | 329 |
| Noninterest income to average assets | 1.6865% | 462 |
| Noninterest expense to average assets | 5.5150% | 209 |
| Loan and lease loss provision to assets | 0.1996% | 1,077 |
| Net operating income to assets | 0.2768% | 5,418 |
| Return on assets (ROA) | 0.2768% | 5,498 |
| Pretax return on assets | 0.2768% | 5,570 |
| Return on Equity (ROE) | 3.3726% | 5,176 |
| Retained earnings to average equity (ytd only) | 0.8053% | 5,200 |
| Net charge-offs to loans | 0.3101% | 972 |
| Credit loss provision to net charge-offs | 83.4106% | 2,886 |
| Earnings coverage of net charge-offs (x) | 1.9907% | 3,995 |
| Efficiency ratio | 92.0483% | 571 |
| Assets per employee ($millions) | 2.6454% | 5,816 |
| Cash dividends to net income (ytd only)* | 76.1218% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 2,053 |
| Loan loss allowance to noncurrent loans | 182.3710% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 3.6035% | 319 |
| Noncurrent loans to loans | 0.8171% | 2,739 |
| Net loans and leases to total assets | 80.8487% | 730 |
| Net loans and leases to deposits | 88.6103% | 1,796 |
| Net loans and leases to core deposits | 89.2571% | 2,471 |
| Total domestic deposits to total assets | 91.2407% | 230 |
| Equity capital to assets | 8.4358% | 5,613 |
| Core capital (leverage) ratio | 8.3164% | 5,590 |
| Tier 1 risk-based capital ratio | 9.4433% | 6,055 |
| Total risk-based capital ratio | 10.6946% | 6,039 |
| Memoranda: | ||
| Average total assets | $450,861,600 | 1,488 |
| Average earning assets | $400,272,600 | 1,529 |
| Average equity | $37,004,400 | 1,925 |
| Average total loans | $347,968,600 | 1,295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 423 |
| Cost of funding earning assets | 0.3996% | 3,227 |
| Net interest margin | 4.8291% | 355 |
| Noninterest income to average assets | 1.7597% | 427 |
| Noninterest expense to average assets | 5.5450% | 211 |
| Loan and lease loss provision to assets | 0.2640% | 626 |
| Net operating income to assets | 0.2373% | 5,597 |
| Return on assets (ROA) | 0.2373% | 5,674 |
| Pretax return on assets | 0.2373% | 5,742 |
| Return on Equity (ROE) | 2.9113% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.9113% | 4,376 |
| Net charge-offs to loans | 0.4157% | 614 |
| Credit loss provision to net charge-offs | 83.5655% | 2,556 |
| Earnings coverage of net charge-offs (x) | 1.5868% | 3,803 |
| Efficiency ratio | 91.7075% | 588 |
| Assets per employee ($millions) | 2.4884% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,998 |
| Loan loss allowance to noncurrent loans | 47.1898% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 5.4754% | 164 |
| Noncurrent loans to loans | 3.2635% | 508 |
| Net loans and leases to total assets | 77.0775% | 1,240 |
| Net loans and leases to deposits | 84.6740% | 2,319 |
| Net loans and leases to core deposits | 85.5256% | 2,898 |
| Total domestic deposits to total assets | 91.0286% | 236 |
| Equity capital to assets | 8.5102% | 5,702 |
| Core capital (leverage) ratio | 8.3669% | 5,657 |
| Tier 1 risk-based capital ratio | 9.7350% | 6,094 |
| Total risk-based capital ratio | 10.9865% | 6,068 |
| Memoranda: | ||
| Average total assets | $454,452,750 | 1,484 |
| Average earning assets | $403,409,000 | 1,531 |
| Average equity | $37,050,000 | 1,941 |
| Average total loans | $345,400,750 | 1,307 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 362 |
| Cost of funding earning assets | 0.4033% | 3,244 |
| Net interest margin | 4.8929% | 303 |
| Noninterest income to average assets | 1.7670% | 441 |
| Noninterest expense to average assets | 5.5127% | 223 |
| Loan and lease loss provision to assets | 0.3491% | 382 |
| Net operating income to assets | 0.2365% | 5,614 |
| Return on assets (ROA) | 0.2365% | 5,685 |
| Pretax return on assets | 0.2365% | 5,765 |
| Return on Equity (ROE) | 2.9429% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.9429% | 4,160 |
| Net charge-offs to loans | 0.6198% | 376 |
| Credit loss provision to net charge-offs | 74.8363% | 2,405 |
| Earnings coverage of net charge-offs (x) | 1.2554% | 3,548 |
| Efficiency ratio | 90.3965% | 722 |
| Assets per employee ($millions) | 2.7199% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 2,323 |
| Loan loss allowance to noncurrent loans | 45.8501% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 5.4202% | 186 |
| Noncurrent loans to loans | 3.2588% | 570 |
| Net loans and leases to total assets | 77.5663% | 1,128 |
| Net loans and leases to deposits | 85.0140% | 2,185 |
| Net loans and leases to core deposits | 85.9139% | 2,776 |
| Total domestic deposits to total assets | 91.2395% | 246 |
| Equity capital to assets | 8.3353% | 5,804 |
| Core capital (leverage) ratio | 8.1351% | 5,844 |
| Tier 1 risk-based capital ratio | 9.3694% | 6,216 |
| Total risk-based capital ratio | 10.6201% | 6,201 |
| Memoranda: | ||
| Average total assets | $458,290,000 | 1,482 |
| Average earning assets | $405,687,670 | 1,532 |
| Average equity | $36,835,000 | 1,955 |
| Average total loans | $344,951,670 | 1,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 480 |
| Cost of funding earning assets | 0.4073% | 3,228 |
| Net interest margin | 4.6966% | 413 |
| Noninterest income to average assets | 1.6675% | 459 |
| Noninterest expense to average assets | 5.6838% | 209 |
| Loan and lease loss provision to assets | 0.1258% | 1,650 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.6284% | 385 |
| Credit loss provision to net charge-offs | 27.1881% | 2,297 |
| Earnings coverage of net charge-offs (x) | 0.2719% | 3,078 |
| Efficiency ratio | 97.8354% | 433 |
| Assets per employee ($millions) | 2.6783% | 5,984 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,479 |
| Loan loss allowance to noncurrent loans | 44.2545% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 5.8585% | 181 |
| Noncurrent loans to loans | 3.3697% | 591 |
| Net loans and leases to total assets | 72.6597% | 1,706 |
| Net loans and leases to deposits | 79.1287% | 2,668 |
| Net loans and leases to core deposits | 79.9243% | 3,173 |
| Total domestic deposits to total assets | 91.8247% | 171 |
| Equity capital to assets | 7.9090% | 6,063 |
| Core capital (leverage) ratio | 7.8621% | 6,007 |
| Tier 1 risk-based capital ratio | 9.2480% | 6,295 |
| Total risk-based capital ratio | 10.4984% | 6,288 |
| Memoranda: | ||
| Average total assets | $464,406,500 | 1,468 |
| Average earning assets | $409,576,000 | 1,528 |
| Average equity | $36,662,500 | 1,978 |
| Average total loans | $341,808,500 | 1,324 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 596 |
| Cost of funding earning assets | 0.4398% | 3,277 |
| Net interest margin | 4.6912% | 530 |
| Noninterest income to average assets | 2.2661% | 277 |
| Noninterest expense to average assets | 6.0084% | 181 |
| Loan and lease loss provision to assets | 1.3499% | 68 |
| Net operating income to assets | -0.9392% | 6,371 |
| Return on assets (ROA) | -0.9439% | 6,367 |
| Pretax return on assets | -0.9439% | 6,360 |
| Return on Equity (ROE) | -11.3747% | 6,379 |
| Retained earnings to average equity (ytd only) | -11.3747% | 6,338 |
| Net charge-offs to loans | 1.8316% | 116 |
| Credit loss provision to net charge-offs | 95.4164% | 2,528 |
| Earnings coverage of net charge-offs (x) | 0.2903% | 4,669 |
| Efficiency ratio | 93.6008% | 616 |
| Assets per employee ($millions) | 2.7384% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 2,019 |
| Loan loss allowance to noncurrent loans | 37.6304% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 6.5661% | 168 |
| Noncurrent loans to loans | 4.3136% | 399 |
| Net loans and leases to total assets | 72.2494% | 1,867 |
| Net loans and leases to deposits | 78.6402% | 2,889 |
| Net loans and leases to core deposits | 79.5431% | 3,342 |
| Total domestic deposits to total assets | 91.8734% | 164 |
| Equity capital to assets | 7.8799% | 6,113 |
| Core capital (leverage) ratio | 7.7996% | 6,099 |
| Tier 1 risk-based capital ratio | 10.1922% | 6,205 |
| Total risk-based capital ratio | 11.4457% | 6,154 |
| Memoranda: | ||
| Average total assets | $479,582,000 | 1,392 |
| Average earning assets | $424,559,200 | 1,443 |
| Average equity | $39,798,800 | 1,784 |
| Average total loans | $370,433,400 | 1,189 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 541 |
| Cost of funding earning assets | 0.4408% | 3,361 |
| Net interest margin | 4.7409% | 467 |
| Noninterest income to average assets | 2.3330% | 269 |
| Noninterest expense to average assets | 6.2255% | 169 |
| Loan and lease loss provision to assets | 0.6333% | 209 |
| Net operating income to assets | -0.3225% | 6,322 |
| Return on assets (ROA) | -0.3288% | 6,321 |
| Pretax return on assets | -0.3288% | 6,309 |
| Return on Equity (ROE) | -3.9147% | 6,341 |
| Retained earnings to average equity (ytd only) | -3.9147% | 6,201 |
| Net charge-offs to loans | 1.0463% | 286 |
| Credit loss provision to net charge-offs | 77.4520% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.3802% | 4,398 |
| Efficiency ratio | 95.2439% | 533 |
| Assets per employee ($millions) | 2.6973% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,243 |
| Loan loss allowance to noncurrent loans | 27.2415% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 7.5675% | 149 |
| Noncurrent loans to loans | 5.0893% | 348 |
| Net loans and leases to total assets | 78.6374% | 878 |
| Net loans and leases to deposits | 86.3734% | 1,865 |
| Net loans and leases to core deposits | 87.4722% | 2,483 |
| Total domestic deposits to total assets | 91.0436% | 351 |
| Equity capital to assets | 8.5098% | 5,791 |
| Core capital (leverage) ratio | 8.3897% | 5,765 |
| Tier 1 risk-based capital ratio | 10.1843% | 6,301 |
| Total risk-based capital ratio | 11.4351% | 6,266 |
| Memoranda: | ||
| Average total assets | $483,780,750 | 1,391 |
| Average earning assets | $428,937,000 | 1,441 |
| Average equity | $40,631,750 | 1,769 |
| Average total loans | $378,072,250 | 1,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 451 |
| Cost of funding earning assets | 0.4404% | 3,437 |
| Net interest margin | 4.8342% | 389 |
| Noninterest income to average assets | 2.3032% | 279 |
| Noninterest expense to average assets | 5.7185% | 205 |
| Loan and lease loss provision to assets | 0.8164% | 149 |
| Net operating income to assets | 0.0519% | 6,132 |
| Return on assets (ROA) | 0.0425% | 6,170 |
| Pretax return on assets | 0.0425% | 6,158 |
| Return on Equity (ROE) | 0.5081% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.5081% | 5,537 |
| Net charge-offs to loans | 1.4629% | 193 |
| Credit loss provision to net charge-offs | 71.8705% | 2,436 |
| Earnings coverage of net charge-offs (x) | 0.7644% | 3,976 |
| Efficiency ratio | 86.8184% | 1,191 |
| Assets per employee ($millions) | 2.7515% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 3,693 |
| Loan loss allowance to noncurrent loans | 57.3279% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 5.0595% | 352 |
| Noncurrent loans to loans | 2.3202% | 1,395 |
| Net loans and leases to total assets | 76.8587% | 1,066 |
| Net loans and leases to deposits | 85.3570% | 1,881 |
| Net loans and leases to core deposits | 86.4875% | 2,470 |
| Total domestic deposits to total assets | 90.0437% | 785 |
| Equity capital to assets | 8.4181% | 5,869 |
| Core capital (leverage) ratio | 8.3109% | 5,835 |
| Tier 1 risk-based capital ratio | 10.2318% | 6,329 |
| Total risk-based capital ratio | 11.4819% | 6,287 |
| Memoranda: | ||
| Average total assets | $489,495,000 | 1,369 |
| Average earning assets | $433,744,000 | 1,423 |
| Average equity | $40,939,000 | 1,747 |
| Average total loans | $380,059,330 | 1,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 460 |
| Cost of funding earning assets | 0.4381% | 3,558 |
| Net interest margin | 4.7961% | 384 |
| Noninterest income to average assets | 2.2766% | 268 |
| Noninterest expense to average assets | 5.7139% | 217 |
| Loan and lease loss provision to assets | 0.2462% | 880 |
| Net operating income to assets | 0.5730% | 4,339 |
| Return on assets (ROA) | 0.5730% | 4,414 |
| Pretax return on assets | 0.5730% | 4,925 |
| Return on Equity (ROE) | 6.8737% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8737% | 2,104 |
| Net charge-offs to loans | 0.9937% | 339 |
| Credit loss provision to net charge-offs | 31.9577% | 2,381 |
| Earnings coverage of net charge-offs (x) | 1.0635% | 3,194 |
| Efficiency ratio | 87.4610% | 1,285 |
| Assets per employee ($millions) | 2.8516% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,807 |
| Loan loss allowance to noncurrent loans | 59.8177% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 5.0255% | 402 |
| Noncurrent loans to loans | 2.2695% | 1,584 |
| Net loans and leases to total assets | 76.3682% | 956 |
| Net loans and leases to deposits | 85.7600% | 1,631 |
| Net loans and leases to core deposits | 86.8826% | 2,209 |
| Total domestic deposits to total assets | 89.0487% | 1,629 |
| Equity capital to assets | 8.3667% | 5,768 |
| Core capital (leverage) ratio | 8.4987% | 5,647 |
| Tier 1 risk-based capital ratio | 10.1298% | 6,446 |
| Total risk-based capital ratio | 11.3797% | 6,405 |
| Memoranda: | ||
| Average total assets | $490,732,500 | 1,376 |
| Average earning assets | $435,522,500 | 1,419 |
| Average equity | $40,909,500 | 1,744 |
| Average total loans | $380,407,500 | 1,158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 390 |
| Cost of funding earning assets | 0.5339% | 3,255 |
| Net interest margin | 4.9232% | 343 |
| Noninterest income to average assets | 1.9972% | 389 |
| Noninterest expense to average assets | 5.1414% | 315 |
| Loan and lease loss provision to assets | 0.7644% | 285 |
| Net operating income to assets | 0.4617% | 4,906 |
| Return on assets (ROA) | 0.4852% | 4,936 |
| Pretax return on assets | 0.4852% | 5,241 |
| Return on Equity (ROE) | 5.8000% | 4,210 |
| Retained earnings to average equity (ytd only) | 0.1678% | 5,774 |
| Net charge-offs to loans | 0.9808% | 604 |
| Credit loss provision to net charge-offs | 105.1282% | 2,297 |
| Earnings coverage of net charge-offs (x) | 1.6862% | 4,488 |
| Efficiency ratio | 80.7443% | 2,053 |
| Assets per employee ($millions) | 2.8380% | 6,057 |
| Cash dividends to net income (ytd only)* | 97.1074% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,017 |
| Loan loss allowance to noncurrent loans | 57.4018% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 5.3247% | 420 |
| Noncurrent loans to loans | 2.6797% | 1,374 |
| Net loans and leases to total assets | 76.4245% | 1,014 |
| Net loans and leases to deposits | 84.4366% | 1,873 |
| Net loans and leases to core deposits | 85.5342% | 2,502 |
| Total domestic deposits to total assets | 90.5112% | 808 |
| Equity capital to assets | 8.3058% | 5,774 |
| Core capital (leverage) ratio | 8.0559% | 6,092 |
| Tier 1 risk-based capital ratio | 10.0752% | 6,499 |
| Total risk-based capital ratio | 11.3274% | 6,460 |
| Memoranda: | ||
| Average total assets | $498,809,200 | 1,331 |
| Average earning assets | $442,799,800 | 1,370 |
| Average equity | $41,723,800 | 1,683 |
| Average total loans | $369,797,400 | 1,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 596 |
| Cost of funding earning assets | 0.5491% | 3,271 |
| Net interest margin | 4.6913% | 524 |
| Noninterest income to average assets | 1.9178% | 443 |
| Noninterest expense to average assets | 4.9894% | 337 |
| Loan and lease loss provision to assets | 0.4395% | 660 |
| Net operating income to assets | 0.6525% | 4,103 |
| Return on assets (ROA) | 0.5934% | 4,506 |
| Pretax return on assets | 0.5934% | 5,040 |
| Return on Equity (ROE) | 7.0824% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.7362% | 5,683 |
| Net charge-offs to loans | 0.7948% | 743 |
| Credit loss provision to net charge-offs | 75.4450% | 2,956 |
| Earnings coverage of net charge-offs (x) | 1.8745% | 4,203 |
| Efficiency ratio | 82.0443% | 1,821 |
| Assets per employee ($millions) | 3.0002% | 5,849 |
| Cash dividends to net income (ytd only)* | 89.6056% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 3,926 |
| Loan loss allowance to noncurrent loans | 21.7943% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 7.8547% | 230 |
| Noncurrent loans to loans | 6.3892% | 365 |
| Net loans and leases to total assets | 71.7092% | 1,650 |
| Net loans and leases to deposits | 82.2295% | 2,112 |
| Net loans and leases to core deposits | 83.4679% | 2,713 |
| Total domestic deposits to total assets | 87.2061% | 2,566 |
| Equity capital to assets | 8.1827% | 6,020 |
| Core capital (leverage) ratio | 8.0676% | 6,180 |
| Tier 1 risk-based capital ratio | 10.1342% | 6,561 |
| Total risk-based capital ratio | 11.3841% | 6,533 |
| Memoranda: | ||
| Average total assets | $501,475,750 | 1,337 |
| Average earning assets | $445,065,000 | 1,375 |
| Average equity | $42,018,750 | 1,681 |
| Average total loans | $367,524,500 | 1,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 397 |
| Cost of funding earning assets | 0.5672% | 3,243 |
| Net interest margin | 4.8980% | 370 |
| Noninterest income to average assets | 1.7834% | 526 |
| Noninterest expense to average assets | 4.8208% | 407 |
| Loan and lease loss provision to assets | 0.1594% | 2,326 |
| Net operating income to assets | 1.1430% | 1,772 |
| Return on assets (ROA) | 1.1430% | 1,886 |
| Pretax return on assets | 1.1430% | 2,918 |
| Return on Equity (ROE) | 13.5344% | 1,121 |
| Retained earnings to average equity (ytd only) | 4.0731% | 3,702 |
| Net charge-offs to loans | 0.0005% | 4,907 |
| Credit loss provision to net charge-offs | 39,900.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,260.0000% | 4 |
| Efficiency ratio | 78.7303% | 2,341 |
| Assets per employee ($millions) | 3.0069% | 5,844 |
| Cash dividends to net income (ytd only)* | 69.9056% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 2,903 |
| Loan loss allowance to noncurrent loans | 122.2672% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 4.1766% | 811 |
| Noncurrent loans to loans | 1.3642% | 3,280 |
| Net loans and leases to total assets | 70.9092% | 1,733 |
| Net loans and leases to deposits | 77.9205% | 2,581 |
| Net loans and leases to core deposits | 79.1522% | 3,140 |
| Total domestic deposits to total assets | 91.0021% | 538 |
| Equity capital to assets | 8.3129% | 5,958 |
| Core capital (leverage) ratio | 8.4141% | 5,757 |
| Tier 1 risk-based capital ratio | 10.6000% | 6,477 |
| Total risk-based capital ratio | 11.8521% | 6,447 |
| Memoranda: | ||
| Average total assets | $500,624,670 | 1,336 |
| Average earning assets | $443,573,330 | 1,376 |
| Average equity | $42,277,330 | 1,671 |
| Average total loans | $367,853,000 | 1,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 408 |
| Cost of funding earning assets | 0.5739% | 3,342 |
| Net interest margin | 4.8613% | 364 |
| Noninterest income to average assets | 1.5556% | 637 |
| Noninterest expense to average assets | 4.6509% | 475 |
| Loan and lease loss provision to assets | 0.1993% | 1,865 |
| Net operating income to assets | 0.9963% | 2,234 |
| Return on assets (ROA) | 0.9963% | 2,356 |
| Pretax return on assets | 0.9963% | 3,366 |
| Return on Equity (ROE) | 11.7054% | 1,499 |
| Retained earnings to average equity (ytd only) | 2.3035% | 4,873 |
| Net charge-offs to loans | -0.0270% | 5,854 |
| Credit loss provision to net charge-offs | -996.0000% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5511% | 2,396 |
| Assets per employee ($millions) | 3.1106% | 5,801 |
| Cash dividends to net income (ytd only)* | 80.3213% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,444 |
| Loan loss allowance to noncurrent loans | 76.6917% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 4.6139% | 811 |
| Noncurrent loans to loans | 2.0730% | 2,541 |
| Net loans and leases to total assets | 72.6722% | 1,249 |
| Net loans and leases to deposits | 79.5960% | 2,135 |
| Net loans and leases to core deposits | 80.9392% | 2,703 |
| Total domestic deposits to total assets | 91.3012% | 408 |
| Equity capital to assets | 8.4537% | 6,060 |
| Core capital (leverage) ratio | 8.3351% | 5,782 |
| Tier 1 risk-based capital ratio | 10.5737% | 6,557 |
| Total risk-based capital ratio | 11.8255% | 6,529 |
| Memoranda: | ||
| Average total assets | $499,862,500 | 1,349 |
| Average earning assets | $441,195,500 | 1,399 |
| Average equity | $42,544,500 | 1,680 |
| Average total loans | $370,724,500 | 1,150 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 462 |
| Cost of funding earning assets | 0.7103% | 3,410 |
| Net interest margin | 4.9413% | 416 |
| Noninterest income to average assets | 1.8575% | 486 |
| Noninterest expense to average assets | 4.9899% | 381 |
| Loan and lease loss provision to assets | 0.1819% | 3,357 |
| Net operating income to assets | 0.9784% | 2,432 |
| Return on assets (ROA) | 0.9784% | 2,657 |
| Pretax return on assets | 0.9784% | 3,624 |
| Return on Equity (ROE) | 10.9544% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.4056% | 3,129 |
| Net charge-offs to loans | 0.0689% | 4,992 |
| Credit loss provision to net charge-offs | 356.2500% | 687 |
| Earnings coverage of net charge-offs (x) | 22.7292% | 1,248 |
| Efficiency ratio | 81.1344% | 1,992 |
| Assets per employee ($millions) | 2.9689% | 6,063 |
| Cash dividends to net income (ytd only)* | 59.7826% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,631 |
| Loan loss allowance to noncurrent loans | 72.5659% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.8220% | 820 |
| Noncurrent loans to loans | 2.1052% | 2,575 |
| Net loans and leases to total assets | 73.3517% | 1,281 |
| Net loans and leases to deposits | 80.5625% | 2,212 |
| Net loans and leases to core deposits | 81.9082% | 2,782 |
| Total domestic deposits to total assets | 91.0495% | 477 |
| Equity capital to assets | 8.5697% | 5,989 |
| Core capital (leverage) ratio | 8.4203% | 5,730 |
| Tier 1 risk-based capital ratio | 10.2806% | 6,625 |
| Total risk-based capital ratio | 11.5303% | 6,592 |
| Memoranda: | ||
| Average total assets | $470,149,800 | 1,406 |
| Average earning assets | $408,434,600 | 1,478 |
| Average equity | $41,992,200 | 1,657 |
| Average total loans | $348,467,800 | 1,206 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 507 |
| Cost of funding earning assets | 0.7239% | 3,564 |
| Net interest margin | 4.9303% | 448 |
| Noninterest income to average assets | 1.4893% | 673 |
| Noninterest expense to average assets | 4.8875% | 394 |
| Loan and lease loss provision to assets | 0.1599% | 3,518 |
| Net operating income to assets | 0.7168% | 3,842 |
| Return on assets (ROA) | 0.7168% | 4,085 |
| Pretax return on assets | 0.7168% | 4,805 |
| Return on Equity (ROE) | 7.9391% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.8245% | 2,225 |
| Net charge-offs to loans | 0.1041% | 4,355 |
| Credit loss provision to net charge-offs | 207.4627% | 1,335 |
| Earnings coverage of net charge-offs (x) | 11.3770% | 2,081 |
| Efficiency ratio | 84.7915% | 1,497 |
| Assets per employee ($millions) | 2.8614% | 6,275 |
| Cash dividends to net income (ytd only)* | 14.0394% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,186 |
| Loan loss allowance to noncurrent loans | 87.9821% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 4.3076% | 1,088 |
| Noncurrent loans to loans | 1.6392% | 3,337 |
| Net loans and leases to total assets | 76.4677% | 897 |
| Net loans and leases to deposits | 84.5148% | 1,802 |
| Net loans and leases to core deposits | 85.8236% | 2,487 |
| Total domestic deposits to total assets | 90.4785% | 605 |
| Equity capital to assets | 9.0442% | 5,784 |
| Core capital (leverage) ratio | 8.8124% | 5,328 |
| Tier 1 risk-based capital ratio | 10.5340% | 6,656 |
| Total risk-based capital ratio | 11.7753% | 6,641 |
| Memoranda: | ||
| Average total assets | $463,733,750 | 1,443 |
| Average earning assets | $402,072,750 | 1,517 |
| Average equity | $41,867,750 | 1,678 |
| Average total loans | $343,252,250 | 1,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 678 |
| Cost of funding earning assets | 0.7502% | 3,604 |
| Net interest margin | 4.7787% | 582 |
| Noninterest income to average assets | 1.6262% | 560 |
| Noninterest expense to average assets | 4.7702% | 440 |
| Loan and lease loss provision to assets | 0.1361% | 3,821 |
| Net operating income to assets | 0.8326% | 3,228 |
| Return on assets (ROA) | 0.8326% | 3,496 |
| Pretax return on assets | 0.8326% | 4,344 |
| Return on Equity (ROE) | 9.2281% | 2,702 |
| Retained earnings to average equity (ytd only) | 7.5415% | 1,845 |
| Net charge-offs to loans | 0.0143% | 5,234 |
| Credit loss provision to net charge-offs | 1,304.1667% | 246 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 460 |
| Efficiency ratio | 83.1199% | 1,734 |
| Assets per employee ($millions) | 2.7179% | 6,509 |
| Cash dividends to net income (ytd only)* | 18.2768% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 4,156 |
| Loan loss allowance to noncurrent loans | 87.8532% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 5.6182% | 782 |
| Noncurrent loans to loans | 1.6730% | 3,388 |
| Net loans and leases to total assets | 76.6798% | 880 |
| Net loans and leases to deposits | 86.1021% | 1,581 |
| Net loans and leases to core deposits | 87.2516% | 2,285 |
| Total domestic deposits to total assets | 89.0568% | 1,470 |
| Equity capital to assets | 9.1106% | 5,573 |
| Core capital (leverage) ratio | 8.8917% | 5,062 |
| Tier 1 risk-based capital ratio | 10.3539% | 6,742 |
| Total risk-based capital ratio | 11.6050% | 6,726 |
| Memoranda: | ||
| Average total assets | $459,978,670 | 1,445 |
| Average earning assets | $395,880,330 | 1,539 |
| Average equity | $41,503,670 | 1,687 |
| Average total loans | $334,824,330 | 1,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2786% | 1,144 |
| Cost of funding earning assets | 0.8041% | 3,443 |
| Net interest margin | 4.4745% | 1,063 |
| Noninterest income to average assets | 1.5612% | 593 |
| Noninterest expense to average assets | 4.8314% | 411 |
| Loan and lease loss provision to assets | 0.1451% | 3,551 |
| Net operating income to assets | 0.4371% | 5,100 |
| Return on assets (ROA) | 0.4371% | 5,287 |
| Pretax return on assets | 0.4371% | 5,626 |
| Return on Equity (ROE) | 4.8680% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.8680% | 3,633 |
| Net charge-offs to loans | -0.0324% | 6,374 |
| Credit loss provision to net charge-offs | -638.4615% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2459% | 1,156 |
| Assets per employee ($millions) | 2.8950% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,754 |
| Loan loss allowance to noncurrent loans | 47.6364% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 5.3790% | 936 |
| Noncurrent loans to loans | 3.3454% | 1,899 |
| Net loans and leases to total assets | 69.5877% | 1,825 |
| Net loans and leases to deposits | 76.6317% | 2,710 |
| Net loans and leases to core deposits | 77.5888% | 3,387 |
| Total domestic deposits to total assets | 90.8080% | 641 |
| Equity capital to assets | 8.9262% | 5,602 |
| Core capital (leverage) ratio | 8.7528% | 5,195 |
| Tier 1 risk-based capital ratio | 11.0887% | 6,499 |
| Total risk-based capital ratio | 12.3411% | 6,481 |
| Memoranda: | ||
| Average total assets | $457,590,000 | 1,460 |
| Average earning assets | $393,967,500 | 1,541 |
| Average equity | $41,084,500 | 1,695 |
| Average total loans | $321,391,500 | 1,319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 1,342 |
| Cost of funding earning assets | 0.9544% | 3,695 |
| Net interest margin | 4.4738% | 1,200 |
| Noninterest income to average assets | 1.3316% | 729 |
| Noninterest expense to average assets | 4.2639% | 744 |
| Loan and lease loss provision to assets | 0.1679% | 4,542 |
| Net operating income to assets | 0.7337% | 3,324 |
| Return on assets (ROA) | 0.7337% | 3,499 |
| Pretax return on assets | 0.7337% | 4,213 |
| Return on Equity (ROE) | 7.9985% | 2,900 |
| Retained earnings to average equity (ytd only) | 4.0510% | 3,306 |
| Net charge-offs to loans | 0.2438% | 4,257 |
| Credit loss provision to net charge-offs | 97.8892% | 3,672 |
| Earnings coverage of net charge-offs (x) | 5.2559% | 2,851 |
| Efficiency ratio | 82.5455% | 1,947 |
| Assets per employee ($millions) | 2.7559% | 6,523 |
| Cash dividends to net income (ytd only)* | 49.3523% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,608 |
| Loan loss allowance to noncurrent loans | 54.2931% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 5.1204% | 1,029 |
| Noncurrent loans to loans | 2.9372% | 2,217 |
| Net loans and leases to total assets | 68.6326% | 2,285 |
| Net loans and leases to deposits | 75.8178% | 3,203 |
| Net loans and leases to core deposits | 76.7895% | 3,861 |
| Total domestic deposits to total assets | 90.5231% | 705 |
| Equity capital to assets | 9.0320% | 5,514 |
| Core capital (leverage) ratio | 8.5875% | 5,421 |
| Tier 1 risk-based capital ratio | 11.2118% | 6,343 |
| Total risk-based capital ratio | 12.4162% | 6,349 |
| Memoranda: | ||
| Average total assets | $441,869,400 | 1,478 |
| Average earning assets | $378,672,800 | 1,568 |
| Average equity | $40,532,800 | 1,662 |
| Average total loans | $310,878,000 | 1,364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 1,553 |
| Cost of funding earning assets | 0.9760% | 3,844 |
| Net interest margin | 4.4113% | 1,373 |
| Noninterest income to average assets | 1.3505% | 717 |
| Noninterest expense to average assets | 4.0617% | 938 |
| Loan and lease loss provision to assets | 0.1502% | 4,570 |
| Net operating income to assets | 0.9174% | 2,678 |
| Return on assets (ROA) | 0.9174% | 2,813 |
| Pretax return on assets | 0.9174% | 3,695 |
| Return on Equity (ROE) | 9.9617% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.9617% | 854 |
| Net charge-offs to loans | 0.2242% | 4,035 |
| Credit loss provision to net charge-offs | 95.0096% | 3,603 |
| Earnings coverage of net charge-offs (x) | 6.7524% | 2,496 |
| Efficiency ratio | 79.1859% | 2,377 |
| Assets per employee ($millions) | 2.7401% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,644 |
| Loan loss allowance to noncurrent loans | 48.8698% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 5.2346% | 1,092 |
| Noncurrent loans to loans | 3.2830% | 2,102 |
| Net loans and leases to total assets | 68.0394% | 2,487 |
| Net loans and leases to deposits | 75.3593% | 3,441 |
| Net loans and leases to core deposits | 76.5204% | 4,129 |
| Total domestic deposits to total assets | 90.2867% | 728 |
| Equity capital to assets | 9.3287% | 5,336 |
| Core capital (leverage) ratio | 9.0945% | 4,794 |
| Tier 1 risk-based capital ratio | 11.6612% | 6,134 |
| Total risk-based capital ratio | 12.9134% | 6,123 |
| Memoranda: | ||
| Average total assets | $439,343,500 | 1,497 |
| Average earning assets | $376,357,500 | 1,589 |
| Average equity | $40,460,500 | 1,666 |
| Average total loans | $309,790,500 | 1,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 1,436 |
| Cost of funding earning assets | 0.9911% | 4,008 |
| Net interest margin | 4.4520% | 1,239 |
| Noninterest income to average assets | 1.4204% | 634 |
| Noninterest expense to average assets | 3.9689% | 1,097 |
| Loan and lease loss provision to assets | 0.1361% | 4,608 |
| Net operating income to assets | 1.1253% | 1,803 |
| Return on assets (ROA) | 1.1253% | 1,881 |
| Pretax return on assets | 1.1253% | 2,749 |
| Return on Equity (ROE) | 12.2743% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.2743% | 488 |
| Net charge-offs to loans | 0.3639% | 3,099 |
| Credit loss provision to net charge-offs | 52.6690% | 4,516 |
| Earnings coverage of net charge-offs (x) | 4.8826% | 2,742 |
| Efficiency ratio | 75.8833% | 3,035 |
| Assets per employee ($millions) | 2.6628% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,745 |
| Loan loss allowance to noncurrent loans | 35.2234% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 6.2156% | 886 |
| Noncurrent loans to loans | 4.5046% | 1,474 |
| Net loans and leases to total assets | 67.4363% | 2,724 |
| Net loans and leases to deposits | 74.7473% | 3,683 |
| Net loans and leases to core deposits | 75.7953% | 4,338 |
| Total domestic deposits to total assets | 90.2190% | 853 |
| Equity capital to assets | 9.4355% | 4,916 |
| Core capital (leverage) ratio | 9.1363% | 4,508 |
| Tier 1 risk-based capital ratio | 11.8640% | 5,889 |
| Total risk-based capital ratio | 13.1160% | 5,860 |
| Memoranda: | ||
| Average total assets | $435,084,000 | 1,521 |
| Average earning assets | $372,323,330 | 1,620 |
| Average equity | $39,888,330 | 1,679 |
| Average total loans | $308,841,670 | 1,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 1,416 |
| Cost of funding earning assets | 1.0026% | 4,187 |
| Net interest margin | 4.4533% | 1,167 |
| Noninterest income to average assets | 1.3960% | 668 |
| Noninterest expense to average assets | 3.9201% | 1,149 |
| Loan and lease loss provision to assets | 0.1358% | 4,308 |
| Net operating income to assets | 1.1567% | 1,638 |
| Return on assets (ROA) | 1.1567% | 1,690 |
| Pretax return on assets | 1.1567% | 2,526 |
| Return on Equity (ROE) | 12.8067% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.8067% | 619 |
| Net charge-offs to loans | -0.0384% | 6,803 |
| Credit loss provision to net charge-offs | -490.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2038% | 3,299 |
| Assets per employee ($millions) | 2.7013% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,421 |
| Loan loss allowance to noncurrent loans | 33.2272% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 6.0007% | 965 |
| Noncurrent loans to loans | 5.0473% | 1,329 |
| Net loans and leases to total assets | 70.3662% | 2,060 |
| Net loans and leases to deposits | 77.6933% | 3,115 |
| Net loans and leases to core deposits | 78.7359% | 3,930 |
| Total domestic deposits to total assets | 90.5692% | 811 |
| Equity capital to assets | 9.1360% | 4,976 |
| Core capital (leverage) ratio | 8.9508% | 4,691 |
| Tier 1 risk-based capital ratio | 11.3391% | 6,220 |
| Total risk-based capital ratio | 12.5923% | 6,203 |
| Memoranda: | ||
| Average total assets | $432,944,500 | 1,534 |
| Average earning assets | $371,051,000 | 1,631 |
| Average equity | $39,104,500 | 1,698 |
| Average total loans | $312,729,000 | 1,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 1,766 |
| Cost of funding earning assets | 1.2254% | 4,384 |
| Net interest margin | 4.4163% | 1,427 |
| Noninterest income to average assets | 1.2592% | 933 |
| Noninterest expense to average assets | 3.9580% | 1,223 |
| Loan and lease loss provision to assets | 1.1022% | 1,450 |
| Net operating income to assets | 0.0277% | 5,758 |
| Return on assets (ROA) | 0.0277% | 5,894 |
| Pretax return on assets | 0.0277% | 5,842 |
| Return on Equity (ROE) | 0.3114% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.3114% | 5,427 |
| Net charge-offs to loans | 1.3121% | 1,703 |
| Credit loss provision to net charge-offs | 115.2567% | 3,752 |
| Earnings coverage of net charge-offs (x) | 1.1816% | 4,922 |
| Efficiency ratio | 77.7927% | 2,740 |
| Assets per employee ($millions) | 2.6120% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 3,551 |
| Loan loss allowance to noncurrent loans | 32.5292% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 5.8639% | 1,029 |
| Noncurrent loans to loans | 4.9340% | 1,374 |
| Net loans and leases to total assets | 71.7356% | 2,156 |
| Net loans and leases to deposits | 79.0538% | 3,333 |
| Net loans and leases to core deposits | 80.0683% | 4,206 |
| Total domestic deposits to total assets | 90.7428% | 719 |
| Equity capital to assets | 8.9275% | 5,244 |
| Core capital (leverage) ratio | 8.7544% | 4,932 |
| Tier 1 risk-based capital ratio | 10.9675% | 6,348 |
| Total risk-based capital ratio | 12.2203% | 6,322 |
| Memoranda: | ||
| Average total assets | $440,040,200 | 1,516 |
| Average earning assets | $381,495,000 | 1,580 |
| Average equity | $39,183,200 | 1,687 |
| Average total loans | $320,705,600 | 1,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6687% | 1,817 |
| Cost of funding earning assets | 1.2800% | 4,371 |
| Net interest margin | 4.3886% | 1,553 |
| Noninterest income to average assets | 1.3604% | 729 |
| Noninterest expense to average assets | 4.0291% | 1,020 |
| Loan and lease loss provision to assets | 0.6638% | 2,306 |
| Net operating income to assets | 0.4853% | 4,381 |
| Return on assets (ROA) | 0.4853% | 4,578 |
| Pretax return on assets | 0.4853% | 4,977 |
| Return on Equity (ROE) | 5.4538% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.4538% | 2,676 |
| Net charge-offs to loans | 0.6354% | 2,844 |
| Credit loss provision to net charge-offs | 143.3594% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 3,925 |
| Efficiency ratio | 77.8088% | 2,648 |
| Assets per employee ($millions) | 2.5597% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 3,448 |
| Loan loss allowance to noncurrent loans | 24.6245% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 7.6638% | 672 |
| Noncurrent loans to loans | 6.5760% | 900 |
| Net loans and leases to total assets | 71.5719% | 2,346 |
| Net loans and leases to deposits | 79.4390% | 3,553 |
| Net loans and leases to core deposits | 80.5804% | 4,429 |
| Total domestic deposits to total assets | 90.0966% | 829 |
| Equity capital to assets | 9.4313% | 4,939 |
| Core capital (leverage) ratio | 8.9986% | 4,695 |
| Tier 1 risk-based capital ratio | 11.3138% | 6,091 |
| Total risk-based capital ratio | 12.5663% | 6,083 |
| Memoranda: | ||
| Average total assets | $442,306,750 | 1,529 |
| Average earning assets | $384,772,750 | 1,588 |
| Average equity | $39,360,250 | 1,691 |
| Average total loans | $322,330,750 | 1,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 1,489 |
| Cost of funding earning assets | 1.2895% | 4,601 |
| Net interest margin | 4.4879% | 1,227 |
| Noninterest income to average assets | 1.5264% | 550 |
| Noninterest expense to average assets | 4.0197% | 1,017 |
| Loan and lease loss provision to assets | 0.7585% | 1,894 |
| Net operating income to assets | 0.6792% | 3,485 |
| Return on assets (ROA) | 0.6792% | 3,633 |
| Pretax return on assets | 0.6792% | 4,313 |
| Return on Equity (ROE) | 7.7821% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.7821% | 1,517 |
| Net charge-offs to loans | -0.0172% | 7,263 |
| Credit loss provision to net charge-offs | -6,046.4286% | 7,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6557% | 3,535 |
| Assets per employee ($millions) | 2.5850% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 2,247 |
| Loan loss allowance to noncurrent loans | 47.1032% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 5.9180% | 1,006 |
| Noncurrent loans to loans | 4.1901% | 1,778 |
| Net loans and leases to total assets | 70.0144% | 2,893 |
| Net loans and leases to deposits | 77.4127% | 4,099 |
| Net loans and leases to core deposits | 78.8266% | 4,830 |
| Total domestic deposits to total assets | 90.4430% | 704 |
| Equity capital to assets | 9.1911% | 5,158 |
| Core capital (leverage) ratio | 8.9127% | 4,736 |
| Tier 1 risk-based capital ratio | 11.5025% | 5,769 |
| Total risk-based capital ratio | 12.7592% | 5,733 |
| Memoranda: | ||
| Average total assets | $446,397,000 | 1,533 |
| Average earning assets | $391,004,000 | 1,583 |
| Average equity | $38,961,000 | 1,703 |
| Average total loans | $325,490,670 | 1,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1063% | 768 |
| Cost of funding earning assets | 1.3242% | 4,661 |
| Net interest margin | 4.7821% | 672 |
| Noninterest income to average assets | 2.0334% | 333 |
| Noninterest expense to average assets | 4.0959% | 904 |
| Loan and lease loss provision to assets | 0.9787% | 1,273 |
| Net operating income to assets | 1.1634% | 1,639 |
| Return on assets (ROA) | 1.1634% | 1,714 |
| Pretax return on assets | 1.1634% | 2,497 |
| Return on Equity (ROE) | 13.6786% | 1,110 |
| Retained earnings to average equity (ytd only) | 13.6786% | 543 |
| Net charge-offs to loans | -0.2846% | 7,730 |
| Credit loss provision to net charge-offs | -467.0886% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6604% | 5,194 |
| Assets per employee ($millions) | 2.5784% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,872 |
| Loan loss allowance to noncurrent loans | 33.9338% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 5.6551% | 1,081 |
| Noncurrent loans to loans | 5.1775% | 1,387 |
| Net loans and leases to total assets | 73.7229% | 2,030 |
| Net loans and leases to deposits | 81.2417% | 3,416 |
| Net loans and leases to core deposits | 82.7541% | 4,389 |
| Total domestic deposits to total assets | 90.7452% | 636 |
| Equity capital to assets | 8.9581% | 5,338 |
| Core capital (leverage) ratio | 8.5914% | 5,217 |
| Tier 1 risk-based capital ratio | 11.0098% | 6,145 |
| Total risk-based capital ratio | 12.2478% | 6,127 |
| Memoranda: | ||
| Average total assets | $452,451,500 | 1,549 |
| Average earning assets | $397,819,000 | 1,598 |
| Average equity | $38,483,500 | 1,748 |
| Average total loans | $333,143,000 | 1,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7834% | 2,729 |
| Cost of funding earning assets | 1.6981% | 4,522 |
| Net interest margin | 4.0854% | 2,509 |
| Noninterest income to average assets | 1.0941% | 1,284 |
| Noninterest expense to average assets | 4.4484% | 837 |
| Loan and lease loss provision to assets | 0.9202% | 2,439 |
| Net operating income to assets | -0.6520% | 6,315 |
| Return on assets (ROA) | -0.6520% | 6,318 |
| Pretax return on assets | -0.6520% | 6,139 |
| Return on Equity (ROE) | -7.7716% | 6,453 |
| Retained earnings to average equity (ytd only) | -7.7716% | 6,324 |
| Net charge-offs to loans | 1.6785% | 1,507 |
| Credit loss provision to net charge-offs | 70.4487% | 6,484 |
| Earnings coverage of net charge-offs (x) | 0.2053% | 5,932 |
| Efficiency ratio | 94.3146% | 1,396 |
| Assets per employee ($millions) | 2.6506% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,786 |
| Loan loss allowance to noncurrent loans | 15.0518% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 7.6950% | 614 |
| Noncurrent loans to loans | 8.6177% | 554 |
| Net loans and leases to total assets | 71.3823% | 2,915 |
| Net loans and leases to deposits | 77.8219% | 4,418 |
| Net loans and leases to core deposits | 88.3613% | 5,290 |
| Total domestic deposits to total assets | 91.7253% | 323 |
| Equity capital to assets | 8.0852% | 6,484 |
| Core capital (leverage) ratio | 7.9793% | 6,227 |
| Tier 1 risk-based capital ratio | 10.0350% | 6,841 |
| Total risk-based capital ratio | 11.2126% | 6,883 |
| Memoranda: | ||
| Average total assets | $474,353,200 | 1,468 |
| Average earning assets | $420,597,800 | 1,506 |
| Average equity | $39,799,000 | 1,682 |
| Average total loans | $369,132,600 | 1,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 2,923 |
| Cost of funding earning assets | 1.7426% | 4,682 |
| Net interest margin | 4.0513% | 2,594 |
| Noninterest income to average assets | 1.0977% | 1,321 |
| Noninterest expense to average assets | 4.5085% | 739 |
| Loan and lease loss provision to assets | 0.7123% | 2,595 |
| Net operating income to assets | -0.5264% | 6,454 |
| Return on assets (ROA) | -0.5264% | 6,454 |
| Pretax return on assets | -0.5264% | 6,330 |
| Return on Equity (ROE) | -6.2185% | 6,578 |
| Retained earnings to average equity (ytd only) | -6.2185% | 6,411 |
| Net charge-offs to loans | 1.9494% | 1,021 |
| Credit loss provision to net charge-offs | 46.1497% | 6,364 |
| Earnings coverage of net charge-offs (x) | 0.1204% | 5,912 |
| Efficiency ratio | 96.0411% | 1,273 |
| Assets per employee ($millions) | 2.6546% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,697 |
| Loan loss allowance to noncurrent loans | 18.4462% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 4.8878% | 1,204 |
| Noncurrent loans to loans | 4.9551% | 1,346 |
| Net loans and leases to total assets | 76.2374% | 1,946 |
| Net loans and leases to deposits | 83.6631% | 3,700 |
| Net loans and leases to core deposits | 95.5284% | 4,864 |
| Total domestic deposits to total assets | 91.1243% | 375 |
| Equity capital to assets | 8.5272% | 6,220 |
| Core capital (leverage) ratio | 8.1315% | 6,134 |
| Tier 1 risk-based capital ratio | 9.8110% | 7,130 |
| Total risk-based capital ratio | 10.6388% | 7,414 |
| Memoranda: | ||
| Average total assets | $475,653,750 | 1,471 |
| Average earning assets | $422,270,250 | 1,510 |
| Average equity | $40,265,750 | 1,680 |
| Average total loans | $376,592,750 | 1,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 3,163 |
| Cost of funding earning assets | 1.7694% | 4,909 |
| Net interest margin | 4.0057% | 2,677 |
| Noninterest income to average assets | 1.0589% | 1,414 |
| Noninterest expense to average assets | 4.7372% | 622 |
| Loan and lease loss provision to assets | 0.6575% | 2,459 |
| Net operating income to assets | -0.7815% | 6,820 |
| Return on assets (ROA) | -0.7815% | 6,822 |
| Pretax return on assets | -0.7815% | 6,672 |
| Return on Equity (ROE) | -9.2532% | 6,981 |
| Retained earnings to average equity (ytd only) | -9.2532% | 6,793 |
| Net charge-offs to loans | 2.4899% | 696 |
| Credit loss provision to net charge-offs | 33.0537% | 5,994 |
| Earnings coverage of net charge-offs (x) | -0.0623% | 5,760 |
| Efficiency ratio | 102.6861% | 1,070 |
| Assets per employee ($millions) | 2.6430% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 7,129 |
| Loan loss allowance to noncurrent loans | 18.0576% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 4.8513% | 1,123 |
| Noncurrent loans to loans | 4.4751% | 1,438 |
| Net loans and leases to total assets | 78.0017% | 1,742 |
| Net loans and leases to deposits | 85.4115% | 3,663 |
| Net loans and leases to core deposits | 97.1198% | 4,771 |
| Total domestic deposits to total assets | 91.3246% | 362 |
| Equity capital to assets | 8.3180% | 6,306 |
| Core capital (leverage) ratio | 8.1083% | 6,150 |
| Tier 1 risk-based capital ratio | 9.3694% | 7,494 |
| Total risk-based capital ratio | 10.1050% | 7,806 |
| Memoranda: | ||
| Average total assets | $479,355,330 | 1,483 |
| Average earning assets | $425,346,330 | 1,521 |
| Average equity | $40,483,330 | 1,677 |
| Average total loans | $382,981,330 | 1,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6746% | 3,921 |
| Cost of funding earning assets | 1.7800% | 5,210 |
| Net interest margin | 3.8946% | 3,061 |
| Noninterest income to average assets | 1.1095% | 1,206 |
| Noninterest expense to average assets | 5.2492% | 413 |
| Loan and lease loss provision to assets | 0.8611% | 1,524 |
| Net operating income to assets | -1.5463% | 7,515 |
| Return on assets (ROA) | -1.5463% | 7,518 |
| Pretax return on assets | -1.5463% | 7,383 |
| Return on Equity (ROE) | -18.1734% | 7,714 |
| Retained earnings to average equity (ytd only) | -18.1734% | 7,591 |
| Net charge-offs to loans | 1.3831% | 1,025 |
| Credit loss provision to net charge-offs | 77.3204% | 4,234 |
| Earnings coverage of net charge-offs (x) | -0.6153% | 5,287 |
| Efficiency ratio | 115.0137% | 714 |
| Assets per employee ($millions) | 2.4810% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 2,782 |
| Loan loss allowance to noncurrent loans | 48.2268% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.9758% | 1,296 |
| Noncurrent loans to loans | 3.1851% | 2,033 |
| Net loans and leases to total assets | 78.9626% | 1,592 |
| Net loans and leases to deposits | 86.4003% | 3,566 |
| Net loans and leases to core deposits | 97.3215% | 4,815 |
| Total domestic deposits to total assets | 91.3916% | 300 |
| Equity capital to assets | 8.2805% | 6,418 |
| Core capital (leverage) ratio | 8.0897% | 6,312 |
| Tier 1 risk-based capital ratio | 9.0585% | 7,754 |
| Total risk-based capital ratio | 10.3124% | 7,774 |
| Memoranda: | ||
| Average total assets | $479,840,000 | 1,488 |
| Average earning assets | $425,612,500 | 1,530 |
| Average equity | $40,829,000 | 1,662 |
| Average total loans | $386,377,500 | 1,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0757% | 956 |
| Cost of funding earning assets | 2.4412% | 4,520 |
| Net interest margin | 4.6345% | 1,083 |
| Noninterest income to average assets | 1.0446% | 1,445 |
| Noninterest expense to average assets | 4.2527% | 1,096 |
| Loan and lease loss provision to assets | 1.5765% | 842 |
| Net operating income to assets | -0.7120% | 7,074 |
| Return on assets (ROA) | -0.5976% | 6,895 |
| Pretax return on assets | -0.5976% | 6,732 |
| Return on Equity (ROE) | -6.6016% | 7,007 |
| Retained earnings to average equity (ytd only) | -8.4013% | 6,912 |
| Net charge-offs to loans | 1.0176% | 1,215 |
| Credit loss provision to net charge-offs | 202.1254% | 2,402 |
| Earnings coverage of net charge-offs (x) | 1.1084% | 5,567 |
| Efficiency ratio | 83.1060% | 2,168 |
| Assets per employee ($millions) | 2.5311% | 7,149 |
| Cash dividends to net income (ytd only)* | -27.2603% | 7,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 2,194 |
| Loan loss allowance to noncurrent loans | 212.2616% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 3,060 |
| Noncurrent loans to loans | 0.7591% | 5,138 |
| Net loans and leases to total assets | 79.5491% | 1,763 |
| Net loans and leases to deposits | 92.6082% | 3,031 |
| Net loans and leases to core deposits | 101.6454% | 4,655 |
| Total domestic deposits to total assets | 85.8986% | 2,450 |
| Equity capital to assets | 8.7386% | 5,752 |
| Core capital (leverage) ratio | 8.4170% | 5,718 |
| Tier 1 risk-based capital ratio | 9.6295% | 7,174 |
| Total risk-based capital ratio | 10.8846% | 7,056 |
| Memoranda: | ||
| Average total assets | $488,603,400 | 1,399 |
| Average earning assets | $429,370,400 | 1,455 |
| Average equity | $44,231,400 | 1,523 |
| Average total loans | $374,508,800 | 1,299 |