Home > Legacy National Bank > Performance and Condition Ratios
Legacy National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 1,567 |
| Cost of funding earning assets | 2.2976% | 548 |
| Net interest margin | 2.9560% | 3,383 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.4321% | 2,492 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4132% | 3,841 |
| Return on assets (ROA) | 0.4132% | 3,840 |
| Pretax return on assets | 0.5518% | 3,717 |
| Return on Equity (ROE) | 4.4900% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.9908% | 2,966 |
| Net charge-offs to loans | -0.0012% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.9412% | 993 |
| Assets per employee ($millions) | 7.3474% | 1,845 |
| Cash dividends to net income (ytd only)* | 11.1703% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,160 |
| Loan loss allowance to noncurrent loans | 254.8915% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 1,135 |
| Noncurrent loans to loans | 0.5744% | 1,364 |
| Net loans and leases to total assets | 85.1400% | 198 |
| Net loans and leases to deposits | 94.5297% | 905 |
| Net loans and leases to core deposits | 110.1227% | 962 |
| Total domestic deposits to total assets | 90.0600% | 740 |
| Equity capital to assets | 9.1621% | 2,568 |
| Core capital (leverage) ratio | 9.0117% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3805% | 2,744 |
| Memoranda: | ||
| Average total assets | $953,242,000 | 1,024 |
| Average earning assets | $879,424,000 | 1,022 |
| Average equity | $87,676,600 | 1,057 |
| Average total loans | $824,331,800 | 843 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 1,820 |
| Cost of funding earning assets | 2.1498% | 547 |
| Net interest margin | 2.8537% | 3,631 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4568% | 2,355 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.3304% | 4,082 |
| Return on assets (ROA) | 0.3304% | 4,088 |
| Pretax return on assets | 0.4476% | 3,995 |
| Return on Equity (ROE) | 3.5900% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.1294% | 3,480 |
| Net charge-offs to loans | -0.0033% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.0870% | 725 |
| Assets per employee ($millions) | 7.2350% | 1,800 |
| Cash dividends to net income (ytd only)* | 12.8041% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 940 |
| Loan loss allowance to noncurrent loans | 396.8588% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,664 |
| Noncurrent loans to loans | 0.3959% | 1,840 |
| Net loans and leases to total assets | 84.7300% | 230 |
| Net loans and leases to deposits | 97.2781% | 656 |
| Net loans and leases to core deposits | 111.6150% | 811 |
| Total domestic deposits to total assets | 87.1000% | 1,858 |
| Equity capital to assets | 9.1124% | 2,356 |
| Core capital (leverage) ratio | 9.0614% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4673% | 2,736 |
| Memoranda: | ||
| Average total assets | $945,415,750 | 1,040 |
| Average earning assets | $871,545,000 | 1,032 |
| Average equity | $87,044,500 | 1,059 |
| Average total loans | $817,749,000 | 849 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,855 |
| Cost of funding earning assets | 1.9460% | 558 |
| Net interest margin | 2.9167% | 3,617 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4839% | 2,250 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3520% | 4,086 |
| Return on assets (ROA) | 0.3520% | 4,111 |
| Pretax return on assets | 0.4769% | 4,007 |
| Return on Equity (ROE) | 3.8100% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.3490% | 3,391 |
| Net charge-offs to loans | -0.0123% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.4617% | 748 |
| Assets per employee ($millions) | 7.0770% | 1,866 |
| Cash dividends to net income (ytd only)* | 12.0919% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 999 |
| Loan loss allowance to noncurrent loans | 394.6841% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 1,549 |
| Noncurrent loans to loans | 0.3974% | 1,740 |
| Net loans and leases to total assets | 84.7200% | 230 |
| Net loans and leases to deposits | 97.1808% | 659 |
| Net loans and leases to core deposits | 110.3040% | 815 |
| Total domestic deposits to total assets | 87.1800% | 1,876 |
| Equity capital to assets | 9.0974% | 2,444 |
| Core capital (leverage) ratio | 9.0993% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2964% | 2,798 |
| Memoranda: | ||
| Average total assets | $939,801,000 | 1,030 |
| Average earning assets | $865,991,000 | 1,030 |
| Average equity | $86,831,000 | 1,053 |
| Average total loans | $814,222,333 | 835 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,693 |
| Cost of funding earning assets | 1.7761% | 476 |
| Net interest margin | 2.9932% | 3,618 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4574% | 2,354 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4058% | 4,081 |
| Return on assets (ROA) | 0.4058% | 4,028 |
| Pretax return on assets | 0.5502% | 3,920 |
| Return on Equity (ROE) | 4.3600% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.8952% | 3,301 |
| Net charge-offs to loans | -0.0263% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9415% | 910 |
| Assets per employee ($millions) | 6.8680% | 2,065 |
| Cash dividends to net income (ytd only)* | 10.6157% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,024 |
| Loan loss allowance to noncurrent loans | 453.1327% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 1,648 |
| Noncurrent loans to loans | 0.3517% | 1,886 |
| Net loans and leases to total assets | 84.9700% | 187 |
| Net loans and leases to deposits | 96.4684% | 625 |
| Net loans and leases to core deposits | 104.7231% | 887 |
| Total domestic deposits to total assets | 88.0800% | 1,904 |
| Equity capital to assets | 9.2466% | 2,316 |
| Core capital (leverage) ratio | 9.0571% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4495% | 2,863 |
| Memoranda: | ||
| Average total assets | $928,467,000 | 1,064 |
| Average earning assets | $855,126,000 | 1,064 |
| Average equity | $86,466,500 | 1,068 |
| Average total loans | $807,145,000 | 850 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 1,507 |
| Cost of funding earning assets | 0.4305% | 1,861 |
| Net interest margin | 3.6534% | 1,487 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3983% | 2,428 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9148% | 2,897 |
| Return on assets (ROA) | 0.9148% | 2,841 |
| Pretax return on assets | 1.2287% | 2,342 |
| Return on Equity (ROE) | 10.2800% | 2,725 |
| Retained earnings to average equity (ytd only) | 9.0242% | 1,473 |
| Net charge-offs to loans | 0.0513% | 1,155 |
| Credit loss provision to net charge-offs | 368.2171% | 808 |
| Earnings coverage of net charge-offs (x) | 33.5762% | 1,620 |
| Efficiency ratio | 62.8981% | 2,644 |
| Assets per employee ($millions) | 6.7854% | 2,132 |
| Cash dividends to net income (ytd only)* | 12.1909% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 943 |
| Loan loss allowance to noncurrent loans | 520.4336% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 1,799 |
| Noncurrent loans to loans | 0.3107% | 2,037 |
| Net loans and leases to total assets | 86.1200% | 150 |
| Net loans and leases to deposits | 101.6611% | 376 |
| Net loans and leases to core deposits | 107.7151% | 683 |
| Total domestic deposits to total assets | 84.7100% | 3,057 |
| Equity capital to assets | 9.3809% | 2,088 |
| Core capital (leverage) ratio | 9.2404% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3850% | 2,892 |
| Memoranda: | ||
| Average total assets | $941,543,800 | 1,036 |
| Average earning assets | $871,550,600 | 1,025 |
| Average equity | $83,807,600 | 1,091 |
| Average total loans | $755,056,200 | 855 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 1,402 |
| Cost of funding earning assets | 0.2842% | 2,340 |
| Net interest margin | 3.6476% | 1,277 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3235% | 2,560 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9798% | 2,543 |
| Return on assets (ROA) | 0.9798% | 2,523 |
| Pretax return on assets | 1.3285% | 1,955 |
| Return on Equity (ROE) | 11.1500% | 2,319 |
| Retained earnings to average equity (ytd only) | 10.2723% | 1,264 |
| Net charge-offs to loans | 0.0348% | 1,163 |
| Credit loss provision to net charge-offs | 541.2371% | 585 |
| Earnings coverage of net charge-offs (x) | 54.0979% | 1,242 |
| Efficiency ratio | 60.5797% | 3,041 |
| Assets per employee ($millions) | 6.9097% | 2,013 |
| Cash dividends to net income (ytd only)* | 7.8955% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,013 |
| Loan loss allowance to noncurrent loans | 342.8648% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 1,340 |
| Noncurrent loans to loans | 0.4753% | 1,610 |
| Net loans and leases to total assets | 83.9600% | 247 |
| Net loans and leases to deposits | 93.3906% | 675 |
| Net loans and leases to core deposits | 95.7818% | 1,011 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 9.1879% | 2,097 |
| Core capital (leverage) ratio | 9.0244% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3809% | 2,970 |
| Memoranda: | ||
| Average total assets | $947,924,000 | 1,038 |
| Average earning assets | $878,777,750 | 1,027 |
| Average equity | $83,276,750 | 1,107 |
| Average total loans | $743,358,750 | 863 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 1,387 |
| Cost of funding earning assets | 0.2813% | 1,888 |
| Net interest margin | 3.4818% | 1,367 |
| Noninterest income to average assets | 0.4192% | 2,636 |
| Noninterest expense to average assets | 2.1818% | 2,911 |
| Loan and lease loss provision to assets | 0.1410% | 681 |
| Net operating income to assets | 0.9850% | 2,207 |
| Return on assets (ROA) | 0.9850% | 2,181 |
| Pretax return on assets | 1.3327% | 1,632 |
| Return on Equity (ROE) | 11.3789% | 1,869 |
| Retained earnings to average equity (ytd only) | 11.2582% | 747 |
| Net charge-offs to loans | 0.0526% | 866 |
| Credit loss provision to net charge-offs | 351.5625% | 744 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 1,304 |
| Efficiency ratio | 59.1018% | 3,427 |
| Assets per employee ($millions) | 7.5591% | 1,573 |
| Cash dividends to net income (ytd only)* | 1.0602% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,058 |
| Loan loss allowance to noncurrent loans | 356.9908% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 1,582 |
| Noncurrent loans to loans | 0.4609% | 1,732 |
| Net loans and leases to total assets | 75.4855% | 776 |
| Net loans and leases to deposits | 83.2768% | 1,170 |
| Net loans and leases to core deposits | 85.3683% | 1,381 |
| Total domestic deposits to total assets | 90.6440% | 1,404 |
| Equity capital to assets | 8.5586% | 2,719 |
| Core capital (leverage) ratio | 8.5098% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6658% | 2,892 |
| Memoranda: | ||
| Average total assets | $957,569,000 | 1,026 |
| Average earning assets | $890,066,333 | 1,021 |
| Average equity | $82,890,333 | 1,122 |
| Average total loans | $729,698,667 | 859 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 1,585 |
| Cost of funding earning assets | 0.3000% | 1,658 |
| Net interest margin | 3.2708% | 1,647 |
| Noninterest income to average assets | 0.3911% | 2,752 |
| Noninterest expense to average assets | 2.1354% | 3,026 |
| Loan and lease loss provision to assets | 0.1270% | 649 |
| Net operating income to assets | 0.8664% | 2,431 |
| Return on assets (ROA) | 0.8664% | 2,421 |
| Pretax return on assets | 1.1704% | 1,916 |
| Return on Equity (ROE) | 9.9510% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.9510% | 1,035 |
| Net charge-offs to loans | 0.1026% | 507 |
| Credit loss provision to net charge-offs | 163.0435% | 836 |
| Earnings coverage of net charge-offs (x) | 16.6576% | 1,332 |
| Efficiency ratio | 61.5783% | 3,315 |
| Assets per employee ($millions) | 8.0299% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,168 |
| Loan loss allowance to noncurrent loans | 166.6252% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 737 |
| Noncurrent loans to loans | 0.9862% | 921 |
| Net loans and leases to total assets | 75.4272% | 544 |
| Net loans and leases to deposits | 83.9053% | 886 |
| Net loans and leases to core deposits | 86.8690% | 1,085 |
| Total domestic deposits to total assets | 89.8957% | 1,623 |
| Equity capital to assets | 8.6265% | 3,054 |
| Core capital (leverage) ratio | 8.5269% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7659% | 2,941 |
| Memoranda: | ||
| Average total assets | $945,010,500 | 1,043 |
| Average earning assets | $878,804,000 | 1,039 |
| Average equity | $82,283,500 | 1,166 |
| Average total loans | $717,451,000 | 862 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 1,183 |
| Cost of funding earning assets | 0.4571% | 1,147 |
| Net interest margin | 3.6318% | 1,386 |
| Noninterest income to average assets | 0.5658% | 2,297 |
| Noninterest expense to average assets | 2.3105% | 2,766 |
| Loan and lease loss provision to assets | 0.1974% | 554 |
| Net operating income to assets | 1.0562% | 2,458 |
| Return on assets (ROA) | 1.0556% | 2,536 |
| Pretax return on assets | 1.4100% | 2,017 |
| Return on Equity (ROE) | 11.7607% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.0831% | 1,171 |
| Net charge-offs to loans | -0.0047% | 3,545 |
| Credit loss provision to net charge-offs | -5,227.2727% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2659% | 3,406 |
| Assets per employee ($millions) | 7.9192% | 1,374 |
| Cash dividends to net income (ytd only)* | 22.7667% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 1,049 |
| Loan loss allowance to noncurrent loans | 150.2015% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 692 |
| Noncurrent loans to loans | 1.1309% | 856 |
| Net loans and leases to total assets | 73.8588% | 675 |
| Net loans and leases to deposits | 82.5055% | 1,016 |
| Net loans and leases to core deposits | 85.8042% | 1,218 |
| Total domestic deposits to total assets | 89.5198% | 1,226 |
| Equity capital to assets | 8.7897% | 3,816 |
| Core capital (leverage) ratio | 8.1827% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8921% | 2,913 |
| Memoranda: | ||
| Average total assets | $873,845,400 | 1,071 |
| Average earning assets | $806,737,800 | 1,078 |
| Average equity | $78,431,000 | 1,225 |
| Average total loans | $694,789,400 | 884 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 1,167 |
| Cost of funding earning assets | 0.4995% | 1,046 |
| Net interest margin | 3.6604% | 1,432 |
| Noninterest income to average assets | 0.5899% | 2,251 |
| Noninterest expense to average assets | 2.3269% | 2,666 |
| Loan and lease loss provision to assets | 0.2096% | 473 |
| Net operating income to assets | 1.0385% | 2,771 |
| Return on assets (ROA) | 1.0377% | 2,840 |
| Pretax return on assets | 1.4214% | 2,251 |
| Return on Equity (ROE) | 11.4966% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.0561% | 2,038 |
| Net charge-offs to loans | -0.0075% | 3,568 |
| Credit loss provision to net charge-offs | -3,461.5385% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0421% | 3,256 |
| Assets per employee ($millions) | 8.3899% | 1,093 |
| Cash dividends to net income (ytd only)* | 29.9267% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,242 |
| Loan loss allowance to noncurrent loans | 163.6737% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 933 |
| Noncurrent loans to loans | 1.0024% | 1,146 |
| Net loans and leases to total assets | 75.7651% | 565 |
| Net loans and leases to deposits | 84.6975% | 916 |
| Net loans and leases to core deposits | 88.8475% | 1,106 |
| Total domestic deposits to total assets | 89.4538% | 1,039 |
| Equity capital to assets | 8.7413% | 4,039 |
| Core capital (leverage) ratio | 8.3154% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6186% | 3,029 |
| Memoranda: | ||
| Average total assets | $858,691,750 | 1,095 |
| Average earning assets | $790,339,750 | 1,110 |
| Average equity | $77,504,750 | 1,256 |
| Average total loans | $692,960,000 | 904 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 1,220 |
| Cost of funding earning assets | 0.5410% | 986 |
| Net interest margin | 3.6376% | 1,500 |
| Noninterest income to average assets | 0.5885% | 2,271 |
| Noninterest expense to average assets | 2.3645% | 2,570 |
| Loan and lease loss provision to assets | 0.1786% | 644 |
| Net operating income to assets | 1.0097% | 2,857 |
| Return on assets (ROA) | 1.0097% | 2,942 |
| Pretax return on assets | 1.3832% | 2,384 |
| Return on Equity (ROE) | 11.0596% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.8441% | 2,871 |
| Net charge-offs to loans | -0.0134% | 3,803 |
| Credit loss provision to net charge-offs | -1,630.4348% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6047% | 3,066 |
| Assets per employee ($millions) | 7.4233% | 1,524 |
| Cash dividends to net income (ytd only)* | 47.1587% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,408 |
| Loan loss allowance to noncurrent loans | 151.5202% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 958 |
| Noncurrent loans to loans | 1.0259% | 1,196 |
| Net loans and leases to total assets | 79.2737% | 359 |
| Net loans and leases to deposits | 89.0254% | 710 |
| Net loans and leases to core deposits | 94.4600% | 884 |
| Total domestic deposits to total assets | 89.0461% | 1,264 |
| Equity capital to assets | 8.8508% | 3,927 |
| Core capital (leverage) ratio | 8.5038% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5278% | 3,034 |
| Memoranda: | ||
| Average total assets | $840,089,000 | 1,106 |
| Average earning assets | $770,842,667 | 1,128 |
| Average equity | $76,693,333 | 1,261 |
| Average total loans | $689,137,000 | 915 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 998 |
| Cost of funding earning assets | 0.5535% | 1,079 |
| Net interest margin | 3.7772% | 1,187 |
| Noninterest income to average assets | 0.6244% | 2,113 |
| Noninterest expense to average assets | 2.3198% | 2,723 |
| Loan and lease loss provision to assets | 0.2192% | 533 |
| Net operating income to assets | 1.1710% | 2,260 |
| Return on assets (ROA) | 1.1710% | 2,330 |
| Pretax return on assets | 1.6042% | 1,715 |
| Return on Equity (ROE) | 13.7666% | 1,479 |
| Retained earnings to average equity (ytd only) | 13.7666% | 784 |
| Net charge-offs to loans | 0.0370% | 1,105 |
| Credit loss provision to net charge-offs | 694.4444% | 512 |
| Earnings coverage of net charge-offs (x) | 57.7593% | 838 |
| Efficiency ratio | 55.9898% | 3,548 |
| Assets per employee ($millions) | 7.2370% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,145 |
| Loan loss allowance to noncurrent loans | 140.8319% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 826 |
| Noncurrent loans to loans | 1.1791% | 1,128 |
| Net loans and leases to total assets | 83.4069% | 171 |
| Net loans and leases to deposits | 93.7821% | 505 |
| Net loans and leases to core deposits | 100.5534% | 691 |
| Total domestic deposits to total assets | 88.9369% | 1,374 |
| Equity capital to assets | 8.4917% | 4,125 |
| Core capital (leverage) ratio | 8.8633% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $684,199,500 | 1,310 |
| Average earning assets | $637,401,500 | 1,311 |
| Average equity | $58,199,000 | 1,556 |
| Average total loans | $583,682,000 | 1,061 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,187 |
| Cost of funding earning assets | 0.7311% | 1,559 |
| Net interest margin | 3.8216% | 1,440 |
| Noninterest income to average assets | 0.5325% | 2,498 |
| Noninterest expense to average assets | 2.4020% | 3,129 |
| Loan and lease loss provision to assets | 0.2318% | 1,676 |
| Net operating income to assets | 1.1379% | 1,774 |
| Return on assets (ROA) | 1.1379% | 1,897 |
| Pretax return on assets | 1.4502% | 1,508 |
| Return on Equity (ROE) | 12.7586% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.6079% | 877 |
| Net charge-offs to loans | 0.0154% | 2,797 |
| Credit loss provision to net charge-offs | 1,781.2500% | 485 |
| Earnings coverage of net charge-offs (x) | 129.2625% | 653 |
| Efficiency ratio | 58.8156% | 3,612 |
| Assets per employee ($millions) | 6.8739% | 1,663 |
| Cash dividends to net income (ytd only)* | 32.5329% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,203 |
| Loan loss allowance to noncurrent loans | 124.1506% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 788 |
| Noncurrent loans to loans | 1.3186% | 1,032 |
| Net loans and leases to total assets | 84.4128% | 154 |
| Net loans and leases to deposits | 95.2895% | 584 |
| Net loans and leases to core deposits | 102.9682% | 772 |
| Total domestic deposits to total assets | 88.5856% | 1,171 |
| Equity capital to assets | 8.5211% | 4,428 |
| Core capital (leverage) ratio | 8.7708% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,826,200 | 1,306 |
| Average earning assets | $571,354,400 | 1,305 |
| Average equity | $54,833,600 | 1,564 |
| Average total loans | $518,251,200 | 1,108 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,552 |
| Cost of funding earning assets | 0.7718% | 1,624 |
| Net interest margin | 3.7355% | 1,813 |
| Noninterest income to average assets | 0.5321% | 2,464 |
| Noninterest expense to average assets | 2.3535% | 3,277 |
| Loan and lease loss provision to assets | 0.2166% | 1,856 |
| Net operating income to assets | 1.0593% | 2,113 |
| Return on assets (ROA) | 1.0593% | 2,247 |
| Pretax return on assets | 1.4355% | 1,619 |
| Return on Equity (ROE) | 11.7309% | 1,445 |
| Retained earnings to average equity (ytd only) | 7.3614% | 1,558 |
| Net charge-offs to loans | 0.0201% | 2,454 |
| Credit loss provision to net charge-offs | 1,282.8947% | 698 |
| Earnings coverage of net charge-offs (x) | 97.8421% | 805 |
| Efficiency ratio | 58.7553% | 3,564 |
| Assets per employee ($millions) | 6.8182% | 1,614 |
| Cash dividends to net income (ytd only)* | 37.2483% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,112 |
| Loan loss allowance to noncurrent loans | 140.7743% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 1,056 |
| Noncurrent loans to loans | 1.1347% | 1,339 |
| Net loans and leases to total assets | 86.6764% | 124 |
| Net loans and leases to deposits | 97.8593% | 632 |
| Net loans and leases to core deposits | 108.1989% | 762 |
| Total domestic deposits to total assets | 88.5725% | 949 |
| Equity capital to assets | 8.7006% | 4,330 |
| Core capital (leverage) ratio | 8.6626% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,121,000 | 1,311 |
| Average earning assets | $558,014,250 | 1,312 |
| Average equity | $54,191,500 | 1,568 |
| Average total loans | $503,287,000 | 1,120 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,053 |
| Cost of funding earning assets | 0.8115% | 1,772 |
| Net interest margin | 3.6446% | 2,330 |
| Noninterest income to average assets | 0.4695% | 2,714 |
| Noninterest expense to average assets | 2.2703% | 3,601 |
| Loan and lease loss provision to assets | 0.1534% | 2,469 |
| Net operating income to assets | 1.0479% | 2,158 |
| Return on assets (ROA) | 1.0479% | 2,293 |
| Pretax return on assets | 1.4288% | 1,648 |
| Return on Equity (ROE) | 11.4520% | 1,491 |
| Retained earnings to average equity (ytd only) | 5.2061% | 2,384 |
| Net charge-offs to loans | 0.0414% | 1,912 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,158 |
| Efficiency ratio | 58.9308% | 3,566 |
| Assets per employee ($millions) | 6.9218% | 1,485 |
| Cash dividends to net income (ytd only)* | 54.5395% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 968 |
| Loan loss allowance to noncurrent loans | 130.3124% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 1,103 |
| Noncurrent loans to loans | 1.2408% | 1,252 |
| Net loans and leases to total assets | 80.9236% | 506 |
| Net loans and leases to deposits | 91.1041% | 1,252 |
| Net loans and leases to core deposits | 100.3941% | 1,232 |
| Total domestic deposits to total assets | 88.8254% | 812 |
| Equity capital to assets | 8.5116% | 4,468 |
| Core capital (leverage) ratio | 8.8376% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,525,333 | 1,317 |
| Average earning assets | $544,415,333 | 1,320 |
| Average equity | $53,667,667 | 1,568 |
| Average total loans | $482,871,333 | 1,145 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,696 |
| Cost of funding earning assets | 0.8911% | 1,913 |
| Net interest margin | 3.8137% | 1,924 |
| Noninterest income to average assets | 0.3612% | 3,356 |
| Noninterest expense to average assets | 2.3670% | 3,613 |
| Loan and lease loss provision to assets | 0.1069% | 2,348 |
| Net operating income to assets | 1.0446% | 2,023 |
| Return on assets (ROA) | 1.0446% | 2,122 |
| Pretax return on assets | 1.4215% | 1,501 |
| Return on Equity (ROE) | 10.9812% | 1,414 |
| Retained earnings to average equity (ytd only) | 10.1198% | 725 |
| Net charge-offs to loans | -0.0043% | 3,815 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7646% | 3,645 |
| Assets per employee ($millions) | 6.3256% | 1,444 |
| Cash dividends to net income (ytd only)* | 7.8445% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 772 |
| Loan loss allowance to noncurrent loans | 117.6287% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 951 |
| Noncurrent loans to loans | 1.4932% | 1,071 |
| Net loans and leases to total assets | 80.4008% | 652 |
| Net loans and leases to deposits | 95.5747% | 953 |
| Net loans and leases to core deposits | 104.4270% | 1,158 |
| Total domestic deposits to total assets | 84.1236% | 2,751 |
| Equity capital to assets | 9.4033% | 4,308 |
| Core capital (leverage) ratio | 9.9217% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $561,386,500 | 1,331 |
| Average earning assets | $520,227,500 | 1,329 |
| Average equity | $53,400,500 | 1,561 |
| Average total loans | $462,410,500 | 1,159 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 1,628 |
| Cost of funding earning assets | 0.9755% | 1,829 |
| Net interest margin | 3.9680% | 1,948 |
| Noninterest income to average assets | 0.4728% | 2,887 |
| Noninterest expense to average assets | 2.4628% | 3,543 |
| Loan and lease loss provision to assets | 0.1209% | 1,755 |
| Net operating income to assets | 1.1697% | 2,177 |
| Return on assets (ROA) | 1.1708% | 2,273 |
| Pretax return on assets | 1.5488% | 1,659 |
| Return on Equity (ROE) | 12.4334% | 1,351 |
| Retained earnings to average equity (ytd only) | 8.3035% | 887 |
| Net charge-offs to loans | -0.0632% | 4,865 |
| Credit loss provision to net charge-offs | -232.0144% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6153% | 3,748 |
| Assets per employee ($millions) | 6.2176% | 1,475 |
| Cash dividends to net income (ytd only)* | 33.2159% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 674 |
| Loan loss allowance to noncurrent loans | 117.0559% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 842 |
| Noncurrent loans to loans | 1.5286% | 937 |
| Net loans and leases to total assets | 81.4443% | 625 |
| Net loans and leases to deposits | 92.6986% | 1,291 |
| Net loans and leases to core deposits | 102.0034% | 1,404 |
| Total domestic deposits to total assets | 87.8592% | 1,194 |
| Equity capital to assets | 9.6269% | 4,242 |
| Core capital (leverage) ratio | 9.6459% | 3,907 |
| Tier 1 risk-based capital ratio | 11.5078% | 4,624 |
| Total risk-based capital ratio | 12.7642% | 4,500 |
| Memoranda: | ||
| Average total assets | $533,580,400 | 1,348 |
| Average earning assets | $491,929,800 | 1,349 |
| Average equity | $50,243,800 | 1,591 |
| Average total loans | $439,717,400 | 1,181 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,707 |
| Cost of funding earning assets | 0.9739% | 1,875 |
| Net interest margin | 3.9655% | 2,057 |
| Noninterest income to average assets | 0.4612% | 2,953 |
| Noninterest expense to average assets | 2.4846% | 3,483 |
| Loan and lease loss provision to assets | 0.1069% | 1,812 |
| Net operating income to assets | 1.1194% | 2,498 |
| Return on assets (ROA) | 1.1208% | 2,581 |
| Pretax return on assets | 1.5239% | 1,888 |
| Return on Equity (ROE) | 11.9721% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.7073% | 2,008 |
| Net charge-offs to loans | -0.0847% | 4,960 |
| Credit loss provision to net charge-offs | -153.4296% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3986% | 3,563 |
| Assets per employee ($millions) | 6.3416% | 1,367 |
| Cash dividends to net income (ytd only)* | 43.9758% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 747 |
| Loan loss allowance to noncurrent loans | 137.2133% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0969% | 1,193 |
| Noncurrent loans to loans | 1.2721% | 1,226 |
| Net loans and leases to total assets | 81.5176% | 628 |
| Net loans and leases to deposits | 92.6061% | 1,358 |
| Net loans and leases to core deposits | 104.2267% | 1,309 |
| Total domestic deposits to total assets | 88.0261% | 1,026 |
| Equity capital to assets | 9.3559% | 4,558 |
| Core capital (leverage) ratio | 9.4827% | 4,182 |
| Tier 1 risk-based capital ratio | 11.2475% | 4,799 |
| Total risk-based capital ratio | 12.5034% | 4,690 |
| Memoranda: | ||
| Average total assets | $530,189,000 | 1,355 |
| Average earning assets | $488,332,000 | 1,363 |
| Average equity | $49,636,500 | 1,614 |
| Average total loans | $436,212,250 | 1,196 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 1,873 |
| Cost of funding earning assets | 0.9504% | 1,908 |
| Net interest margin | 3.9121% | 2,213 |
| Noninterest income to average assets | 0.4098% | 3,214 |
| Noninterest expense to average assets | 2.4893% | 3,515 |
| Loan and lease loss provision to assets | 0.1047% | 1,785 |
| Net operating income to assets | 1.0679% | 2,658 |
| Return on assets (ROA) | 1.0679% | 2,718 |
| Pretax return on assets | 1.4324% | 2,094 |
| Return on Equity (ROE) | 11.4045% | 1,824 |
| Retained earnings to average equity (ytd only) | 3.9208% | 3,287 |
| Net charge-offs to loans | -0.0019% | 3,941 |
| Credit loss provision to net charge-offs | -6,875.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8237% | 3,462 |
| Assets per employee ($millions) | 5.8440% | 1,660 |
| Cash dividends to net income (ytd only)* | 65.6205% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 802 |
| Loan loss allowance to noncurrent loans | 139.7196% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 1,311 |
| Noncurrent loans to loans | 1.2219% | 1,307 |
| Net loans and leases to total assets | 80.9245% | 740 |
| Net loans and leases to deposits | 91.8744% | 1,504 |
| Net loans and leases to core deposits | 104.5170% | 1,339 |
| Total domestic deposits to total assets | 88.0817% | 1,064 |
| Equity capital to assets | 9.3042% | 4,573 |
| Core capital (leverage) ratio | 9.3648% | 4,292 |
| Tier 1 risk-based capital ratio | 11.2397% | 4,813 |
| Total risk-based capital ratio | 12.4950% | 4,702 |
| Memoranda: | ||
| Average total assets | $525,126,330 | 1,365 |
| Average earning assets | $485,470,670 | 1,368 |
| Average equity | $49,173,670 | 1,619 |
| Average total loans | $430,791,000 | 1,204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 2,091 |
| Cost of funding earning assets | 0.9136% | 1,944 |
| Net interest margin | 3.8232% | 2,442 |
| Noninterest income to average assets | 0.3519% | 3,504 |
| Noninterest expense to average assets | 2.4186% | 3,722 |
| Loan and lease loss provision to assets | 0.0958% | 1,826 |
| Net operating income to assets | 1.0686% | 2,584 |
| Return on assets (ROA) | 1.0686% | 2,635 |
| Pretax return on assets | 1.3822% | 2,147 |
| Return on Equity (ROE) | 11.3748% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.2325% | 981 |
| Net charge-offs to loans | -0.0009% | 3,803 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0696% | 3,526 |
| Assets per employee ($millions) | 5.6547% | 1,838 |
| Cash dividends to net income (ytd only)* | 10.0430% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 864 |
| Loan loss allowance to noncurrent loans | 140.6184% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0443% | 1,331 |
| Noncurrent loans to loans | 1.2068% | 1,365 |
| Net loans and leases to total assets | 81.5327% | 641 |
| Net loans and leases to deposits | 92.8858% | 1,297 |
| Net loans and leases to core deposits | 105.9346% | 1,178 |
| Total domestic deposits to total assets | 87.7774% | 1,448 |
| Equity capital to assets | 9.5511% | 4,206 |
| Core capital (leverage) ratio | 9.5971% | 4,026 |
| Tier 1 risk-based capital ratio | 11.5910% | 4,696 |
| Total risk-based capital ratio | 12.8466% | 4,574 |
| Memoranda: | ||
| Average total assets | $521,788,000 | 1,382 |
| Average earning assets | $483,788,000 | 1,383 |
| Average equity | $49,020,500 | 1,606 |
| Average total loans | $427,269,500 | 1,218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 1,625 |
| Cost of funding earning assets | 0.7974% | 1,533 |
| Net interest margin | 3.9678% | 2,098 |
| Noninterest income to average assets | 0.4099% | 3,384 |
| Noninterest expense to average assets | 2.5241% | 3,540 |
| Loan and lease loss provision to assets | 0.1017% | 2,160 |
| Net operating income to assets | 1.0224% | 2,920 |
| Return on assets (ROA) | 1.0224% | 2,908 |
| Pretax return on assets | 1.4555% | 1,929 |
| Return on Equity (ROE) | 10.2842% | 2,401 |
| Retained earnings to average equity (ytd only) | 0.2108% | 4,927 |
| Net charge-offs to loans | -0.1890% | 5,259 |
| Credit loss provision to net charge-offs | -64.7668% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8452% | 3,560 |
| Assets per employee ($millions) | 5.5089% | 1,945 |
| Cash dividends to net income (ytd only)* | 97.9507% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 832 |
| Loan loss allowance to noncurrent loans | 139.5114% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 1,328 |
| Noncurrent loans to loans | 1.2192% | 1,307 |
| Net loans and leases to total assets | 79.4624% | 1,026 |
| Net loans and leases to deposits | 90.0820% | 1,789 |
| Net loans and leases to core deposits | 102.1915% | 1,565 |
| Total domestic deposits to total assets | 88.2112% | 1,211 |
| Equity capital to assets | 9.2393% | 4,378 |
| Core capital (leverage) ratio | 9.0834% | 4,574 |
| Tier 1 risk-based capital ratio | 11.3983% | 4,773 |
| Total risk-based capital ratio | 12.6536% | 4,675 |
| Memoranda: | ||
| Average total assets | $491,586,000 | 1,433 |
| Average earning assets | $454,857,200 | 1,435 |
| Average equity | $48,871,000 | 1,540 |
| Average total loans | $408,369,000 | 1,236 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 1,556 |
| Cost of funding earning assets | 0.7640% | 1,514 |
| Net interest margin | 3.9835% | 2,001 |
| Noninterest income to average assets | 0.4055% | 3,448 |
| Noninterest expense to average assets | 2.5087% | 3,562 |
| Loan and lease loss provision to assets | 0.0414% | 3,165 |
| Net operating income to assets | 1.1085% | 2,625 |
| Return on assets (ROA) | 1.1085% | 2,636 |
| Pretax return on assets | 1.5394% | 1,768 |
| Return on Equity (ROE) | 10.9411% | 2,203 |
| Retained earnings to average equity (ytd only) | -2.1278% | 5,207 |
| Net charge-offs to loans | -0.2949% | 5,358 |
| Credit loss provision to net charge-offs | -16.7598% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3456% | 3,610 |
| Assets per employee ($millions) | 5.4947% | 1,920 |
| Cash dividends to net income (ytd only)* | 119.4479% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 936 |
| Loan loss allowance to noncurrent loans | 243.8418% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 2,349 |
| Noncurrent loans to loans | 0.6828% | 2,374 |
| Net loans and leases to total assets | 81.4221% | 809 |
| Net loans and leases to deposits | 93.6184% | 1,417 |
| Net loans and leases to core deposits | 106.7550% | 1,249 |
| Total domestic deposits to total assets | 86.9724% | 1,742 |
| Equity capital to assets | 9.3727% | 4,206 |
| Core capital (leverage) ratio | 9.3575% | 4,325 |
| Tier 1 risk-based capital ratio | 11.4494% | 4,823 |
| Total risk-based capital ratio | 12.7045% | 4,700 |
| Memoranda: | ||
| Average total assets | $483,646,750 | 1,453 |
| Average earning assets | $447,270,000 | 1,462 |
| Average equity | $49,000,500 | 1,546 |
| Average total loans | $404,697,000 | 1,244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,417 |
| Cost of funding earning assets | 0.7048% | 1,594 |
| Net interest margin | 4.0307% | 1,759 |
| Noninterest income to average assets | 0.4224% | 3,339 |
| Noninterest expense to average assets | 2.5544% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1508% | 2,391 |
| Return on assets (ROA) | 1.1508% | 2,393 |
| Pretax return on assets | 1.5971% | 1,511 |
| Return on Equity (ROE) | 11.0657% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.0564% | 913 |
| Net charge-offs to loans | -0.4419% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5291% | 3,690 |
| Assets per employee ($millions) | 5.3843% | 2,004 |
| Cash dividends to net income (ytd only)* | 9.1208% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 942 |
| Loan loss allowance to noncurrent loans | 251.4032% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 2,444 |
| Noncurrent loans to loans | 0.6664% | 2,444 |
| Net loans and leases to total assets | 80.6561% | 918 |
| Net loans and leases to deposits | 95.8115% | 1,163 |
| Net loans and leases to core deposits | 110.1567% | 989 |
| Total domestic deposits to total assets | 84.1821% | 2,998 |
| Equity capital to assets | 10.2331% | 3,408 |
| Core capital (leverage) ratio | 10.7775% | 2,728 |
| Tier 1 risk-based capital ratio | 12.6434% | 4,100 |
| Total risk-based capital ratio | 13.8986% | 3,994 |
| Memoranda: | ||
| Average total assets | $476,359,000 | 1,479 |
| Average earning assets | $440,722,000 | 1,489 |
| Average equity | $49,540,670 | 1,541 |
| Average total loans | $400,074,000 | 1,257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 947 |
| Cost of funding earning assets | 0.6438% | 1,754 |
| Net interest margin | 4.2189% | 1,135 |
| Noninterest income to average assets | 0.3821% | 3,581 |
| Noninterest expense to average assets | 2.5472% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2552% | 1,787 |
| Return on assets (ROA) | 1.2552% | 1,799 |
| Pretax return on assets | 1.7427% | 1,021 |
| Return on Equity (ROE) | 11.9675% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.9675% | 686 |
| Net charge-offs to loans | -0.8878% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3769% | 4,154 |
| Assets per employee ($millions) | 5.2269% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 909 |
| Loan loss allowance to noncurrent loans | 239.6127% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 2,359 |
| Noncurrent loans to loans | 0.7185% | 2,417 |
| Net loans and leases to total assets | 81.6710% | 700 |
| Net loans and leases to deposits | 96.3859% | 994 |
| Net loans and leases to core deposits | 108.4958% | 1,089 |
| Total domestic deposits to total assets | 84.7333% | 3,024 |
| Equity capital to assets | 10.4407% | 3,131 |
| Core capital (leverage) ratio | 10.7322% | 2,706 |
| Tier 1 risk-based capital ratio | 12.9089% | 3,999 |
| Total risk-based capital ratio | 14.1651% | 3,886 |
| Memoranda: | ||
| Average total assets | $466,861,000 | 1,520 |
| Average earning assets | $432,440,000 | 1,519 |
| Average equity | $48,966,000 | 1,564 |
| Average total loans | $396,940,000 | 1,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 2,033 |
| Cost of funding earning assets | 0.4029% | 3,227 |
| Net interest margin | 3.9932% | 1,772 |
| Noninterest income to average assets | 0.5036% | 2,974 |
| Noninterest expense to average assets | 2.4726% | 3,871 |
| Loan and lease loss provision to assets | 0.2527% | 731 |
| Net operating income to assets | 0.8054% | 3,133 |
| Return on assets (ROA) | 0.8054% | 3,176 |
| Pretax return on assets | 1.4363% | 1,867 |
| Return on Equity (ROE) | 7.4457% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.4243% | 948 |
| Net charge-offs to loans | -0.0214% | 4,975 |
| Credit loss provision to net charge-offs | -1,434.2105% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4150% | 4,350 |
| Assets per employee ($millions) | 5.3891% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.2879% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,451 |
| Loan loss allowance to noncurrent loans | 262.2399% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,697 |
| Noncurrent loans to loans | 0.5667% | 2,802 |
| Net loans and leases to total assets | 85.7252% | 278 |
| Net loans and leases to deposits | 106.8112% | 368 |
| Net loans and leases to core deposits | 123.4751% | 488 |
| Total domestic deposits to total assets | 80.2586% | 4,291 |
| Equity capital to assets | 10.5379% | 3,124 |
| Core capital (leverage) ratio | 10.7576% | 2,581 |
| Tier 1 risk-based capital ratio | 12.5794% | 4,161 |
| Total risk-based capital ratio | 13.8328% | 4,051 |
| Memoranda: | ||
| Average total assets | $431,331,400 | 1,608 |
| Average earning assets | $395,123,000 | 1,611 |
| Average equity | $46,657,800 | 1,613 |
| Average total loans | $355,222,800 | 1,367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 2,088 |
| Cost of funding earning assets | 0.3738% | 3,428 |
| Net interest margin | 3.9831% | 1,768 |
| Noninterest income to average assets | 0.5181% | 2,914 |
| Noninterest expense to average assets | 2.4610% | 3,849 |
| Loan and lease loss provision to assets | 0.2009% | 944 |
| Net operating income to assets | 0.9231% | 2,907 |
| Return on assets (ROA) | 0.9231% | 2,972 |
| Pretax return on assets | 1.4927% | 1,796 |
| Return on Equity (ROE) | 8.4746% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.4458% | 1,038 |
| Net charge-offs to loans | -0.0333% | 5,033 |
| Credit loss provision to net charge-offs | -744.1860% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2352% | 4,323 |
| Assets per employee ($millions) | 5.5753% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.3401% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,633 |
| Loan loss allowance to noncurrent loans | 240.3155% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,519 |
| Noncurrent loans to loans | 0.6128% | 2,878 |
| Net loans and leases to total assets | 81.2437% | 799 |
| Net loans and leases to deposits | 96.2143% | 1,100 |
| Net loans and leases to core deposits | 104.3815% | 1,360 |
| Total domestic deposits to total assets | 84.4403% | 2,943 |
| Equity capital to assets | 10.5885% | 3,270 |
| Core capital (leverage) ratio | 10.8682% | 2,581 |
| Tier 1 risk-based capital ratio | 13.0475% | 3,977 |
| Total risk-based capital ratio | 14.3004% | 3,885 |
| Memoranda: | ||
| Average total assets | $424,646,250 | 1,631 |
| Average earning assets | $387,691,750 | 1,651 |
| Average equity | $46,254,500 | 1,640 |
| Average total loans | $344,376,750 | 1,400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,019 |
| Cost of funding earning assets | 0.3490% | 3,594 |
| Net interest margin | 3.9867% | 1,649 |
| Noninterest income to average assets | 0.5312% | 2,825 |
| Noninterest expense to average assets | 2.4660% | 3,864 |
| Loan and lease loss provision to assets | 0.2237% | 783 |
| Net operating income to assets | 0.9075% | 2,877 |
| Return on assets (ROA) | 0.9075% | 2,924 |
| Pretax return on assets | 1.4695% | 1,760 |
| Return on Equity (ROE) | 8.2478% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.2041% | 1,082 |
| Net charge-offs to loans | -0.0567% | 5,228 |
| Credit loss provision to net charge-offs | -489.4737% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2897% | 4,424 |
| Assets per employee ($millions) | 5.3843% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.5302% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,516 |
| Loan loss allowance to noncurrent loans | 180.7888% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 2,377 |
| Noncurrent loans to loans | 0.8407% | 2,303 |
| Net loans and leases to total assets | 78.0268% | 1,246 |
| Net loans and leases to deposits | 93.0136% | 1,358 |
| Net loans and leases to core deposits | 100.7696% | 1,597 |
| Total domestic deposits to total assets | 83.8875% | 3,245 |
| Equity capital to assets | 10.5928% | 3,235 |
| Core capital (leverage) ratio | 11.2603% | 2,166 |
| Tier 1 risk-based capital ratio | 13.4185% | 3,734 |
| Total risk-based capital ratio | 14.6718% | 3,654 |
| Memoranda: | ||
| Average total assets | $415,661,000 | 1,665 |
| Average earning assets | $378,257,670 | 1,687 |
| Average equity | $45,733,330 | 1,658 |
| Average total loans | $335,041,670 | 1,434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 2,334 |
| Cost of funding earning assets | 0.3354% | 3,695 |
| Net interest margin | 3.8457% | 1,965 |
| Noninterest income to average assets | 0.6724% | 2,079 |
| Noninterest expense to average assets | 2.4661% | 3,921 |
| Loan and lease loss provision to assets | 0.3625% | 321 |
| Net operating income to assets | 0.8432% | 3,022 |
| Return on assets (ROA) | 0.8432% | 3,069 |
| Pretax return on assets | 1.3398% | 2,099 |
| Return on Equity (ROE) | 7.5107% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.4222% | 1,687 |
| Net charge-offs to loans | 0.0073% | 2,712 |
| Credit loss provision to net charge-offs | 6,083.3333% | 46 |
| Earnings coverage of net charge-offs (x) | 285.6667% | 209 |
| Efficiency ratio | 59.1613% | 4,573 |
| Assets per employee ($millions) | 5.3453% | 2,026 |
| Cash dividends to net income (ytd only)* | 1.1779% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,640 |
| Loan loss allowance to noncurrent loans | 147.6768% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 1,898 |
| Noncurrent loans to loans | 1.0263% | 2,005 |
| Net loans and leases to total assets | 79.7480% | 867 |
| Net loans and leases to deposits | 95.7619% | 948 |
| Net loans and leases to core deposits | 101.1607% | 1,430 |
| Total domestic deposits to total assets | 83.2774% | 3,742 |
| Equity capital to assets | 10.9536% | 2,683 |
| Core capital (leverage) ratio | 11.4295% | 1,999 |
| Tier 1 risk-based capital ratio | 13.4255% | 3,818 |
| Total risk-based capital ratio | 14.6786% | 3,733 |
| Memoranda: | ||
| Average total assets | $402,734,000 | 1,720 |
| Average earning assets | $366,126,500 | 1,749 |
| Average equity | $45,215,500 | 1,680 |
| Average total loans | $327,654,000 | 1,471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,627 |
| Cost of funding earning assets | 0.3061% | 4,004 |
| Net interest margin | 3.8537% | 2,119 |
| Noninterest income to average assets | 0.5129% | 3,148 |
| Noninterest expense to average assets | 2.4187% | 4,251 |
| Loan and lease loss provision to assets | 0.2379% | 899 |
| Net operating income to assets | 0.7983% | 3,311 |
| Return on assets (ROA) | 0.8013% | 3,402 |
| Pretax return on assets | 1.3388% | 2,152 |
| Return on Equity (ROE) | 6.9641% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.9641% | 1,241 |
| Net charge-offs to loans | 0.0785% | 2,564 |
| Credit loss provision to net charge-offs | 391.3043% | 807 |
| Earnings coverage of net charge-offs (x) | 25.8522% | 1,571 |
| Efficiency ratio | 60.6095% | 4,491 |
| Assets per employee ($millions) | 5.3963% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,679 |
| Loan loss allowance to noncurrent loans | 130.1422% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.7249% | 888 |
| Noncurrent loans to loans | 1.1508% | 1,782 |
| Net loans and leases to total assets | 80.5429% | 808 |
| Net loans and leases to deposits | 97.8932% | 832 |
| Net loans and leases to core deposits | 103.4089% | 1,330 |
| Total domestic deposits to total assets | 82.2763% | 4,002 |
| Equity capital to assets | 11.5207% | 2,146 |
| Core capital (leverage) ratio | 11.2230% | 2,146 |
| Tier 1 risk-based capital ratio | 13.7600% | 3,603 |
| Total risk-based capital ratio | 15.0126% | 3,509 |
| Memoranda: | ||
| Average total assets | $378,255,400 | 1,773 |
| Average earning assets | $341,360,200 | 1,817 |
| Average equity | $43,523,000 | 1,706 |
| Average total loans | $292,970,000 | 1,554 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 2,972 |
| Cost of funding earning assets | 0.3093% | 3,990 |
| Net interest margin | 3.7647% | 2,473 |
| Noninterest income to average assets | 0.5231% | 3,092 |
| Noninterest expense to average assets | 2.3533% | 4,402 |
| Loan and lease loss provision to assets | 0.1774% | 1,257 |
| Net operating income to assets | 0.8872% | 2,969 |
| Return on assets (ROA) | 0.8872% | 3,104 |
| Pretax return on assets | 1.3919% | 2,063 |
| Return on Equity (ROE) | 7.7135% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.7135% | 1,308 |
| Net charge-offs to loans | 0.1125% | 1,819 |
| Credit loss provision to net charge-offs | 206.6116% | 1,409 |
| Earnings coverage of net charge-offs (x) | 18.2726% | 2,005 |
| Efficiency ratio | 59.9928% | 4,543 |
| Assets per employee ($millions) | 5.1341% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 2,047 |
| Loan loss allowance to noncurrent loans | 102.0427% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 819 |
| Noncurrent loans to loans | 1.4046% | 1,566 |
| Net loans and leases to total assets | 74.6317% | 1,768 |
| Net loans and leases to deposits | 89.0917% | 1,877 |
| Net loans and leases to core deposits | 93.7881% | 2,208 |
| Total domestic deposits to total assets | 83.7695% | 3,284 |
| Equity capital to assets | 11.1146% | 2,902 |
| Core capital (leverage) ratio | 11.7089% | 1,882 |
| Tier 1 risk-based capital ratio | 14.1898% | 3,461 |
| Total risk-based capital ratio | 15.4416% | 3,387 |
| Memoranda: | ||
| Average total assets | $375,685,250 | 1,782 |
| Average earning assets | $339,252,500 | 1,837 |
| Average equity | $43,213,250 | 1,728 |
| Average total loans | $286,788,500 | 1,582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 2,870 |
| Cost of funding earning assets | 0.3194% | 3,903 |
| Net interest margin | 3.7785% | 2,409 |
| Noninterest income to average assets | 0.3794% | 4,029 |
| Noninterest expense to average assets | 2.4135% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8777% | 2,978 |
| Return on assets (ROA) | 0.8840% | 3,061 |
| Pretax return on assets | 1.3755% | 2,114 |
| Return on Equity (ROE) | 7.5921% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,342 |
| Net charge-offs to loans | 0.2055% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.6817% | 2,499 |
| Efficiency ratio | 63.8629% | 4,045 |
| Assets per employee ($millions) | 5.0905% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,724 |
| Loan loss allowance to noncurrent loans | 95.1415% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0301% | 809 |
| Noncurrent loans to loans | 1.3795% | 1,620 |
| Net loans and leases to total assets | 76.8694% | 1,359 |
| Net loans and leases to deposits | 92.0433% | 1,509 |
| Net loans and leases to core deposits | 96.4776% | 1,934 |
| Total domestic deposits to total assets | 83.5144% | 3,460 |
| Equity capital to assets | 11.7526% | 2,311 |
| Core capital (leverage) ratio | 11.8083% | 1,762 |
| Tier 1 risk-based capital ratio | 14.2944% | 3,440 |
| Total risk-based capital ratio | 15.5426% | 3,361 |
| Memoranda: | ||
| Average total assets | $367,428,000 | 1,824 |
| Average earning assets | $330,604,000 | 1,875 |
| Average equity | $42,781,330 | 1,741 |
| Average total loans | $281,313,330 | 1,611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,915 |
| Cost of funding earning assets | 0.3291% | 3,853 |
| Net interest margin | 3.7539% | 2,461 |
| Noninterest income to average assets | 0.3449% | 4,264 |
| Noninterest expense to average assets | 2.3868% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8474% | 2,996 |
| Return on assets (ROA) | 0.8474% | 3,128 |
| Pretax return on assets | 1.3171% | 2,233 |
| Return on Equity (ROE) | 7.3130% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.3130% | 1,744 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4398% | 4,053 |
| Assets per employee ($millions) | 5.4806% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 2,277 |
| Loan loss allowance to noncurrent loans | 122.1392% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9140% | 930 |
| Noncurrent loans to loans | 1.1728% | 2,066 |
| Net loans and leases to total assets | 74.3862% | 1,665 |
| Net loans and leases to deposits | 89.7524% | 1,605 |
| Net loans and leases to core deposits | 95.4702% | 1,843 |
| Total domestic deposits to total assets | 82.8793% | 3,943 |
| Equity capital to assets | 11.3017% | 2,626 |
| Core capital (leverage) ratio | 11.7816% | 1,771 |
| Tier 1 risk-based capital ratio | 13.9477% | 3,726 |
| Total risk-based capital ratio | 15.1985% | 3,651 |
| Memoranda: | ||
| Average total assets | $365,340,500 | 1,837 |
| Average earning assets | $326,914,500 | 1,901 |
| Average equity | $42,335,500 | 1,746 |
| Average total loans | $277,246,000 | 1,627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 2,956 |
| Cost of funding earning assets | 0.3214% | 4,010 |
| Net interest margin | 3.7696% | 2,483 |
| Noninterest income to average assets | 0.3894% | 4,114 |
| Noninterest expense to average assets | 2.4791% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7244% | 3,693 |
| Return on assets (ROA) | 0.7242% | 3,798 |
| Pretax return on assets | 1.2552% | 2,451 |
| Return on Equity (ROE) | 6.0085% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0085% | 1,786 |
| Net charge-offs to loans | 0.0238% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 767 |
| Efficiency ratio | 66.3832% | 3,842 |
| Assets per employee ($millions) | 5.1841% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,908 |
| Loan loss allowance to noncurrent loans | 103.1282% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 785 |
| Noncurrent loans to loans | 1.4730% | 1,582 |
| Net loans and leases to total assets | 75.1777% | 1,538 |
| Net loans and leases to deposits | 88.5080% | 1,809 |
| Net loans and leases to core deposits | 96.0666% | 1,844 |
| Total domestic deposits to total assets | 84.9389% | 3,120 |
| Equity capital to assets | 11.8950% | 2,034 |
| Core capital (leverage) ratio | 12.3449% | 1,430 |
| Tier 1 risk-based capital ratio | 14.2260% | 3,593 |
| Total risk-based capital ratio | 15.4774% | 3,503 |
| Memoranda: | ||
| Average total assets | $336,930,400 | 1,949 |
| Average earning assets | $298,993,400 | 2,021 |
| Average equity | $40,608,800 | 1,772 |
| Average total loans | $252,235,800 | 1,716 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,113 |
| Cost of funding earning assets | 0.3254% | 4,041 |
| Net interest margin | 3.7313% | 2,641 |
| Noninterest income to average assets | 0.3535% | 4,413 |
| Noninterest expense to average assets | 2.4325% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7086% | 3,868 |
| Return on assets (ROA) | 0.7086% | 3,976 |
| Pretax return on assets | 1.2355% | 2,676 |
| Return on Equity (ROE) | 5.8591% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.8591% | 2,335 |
| Net charge-offs to loans | 0.0312% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 53.2078% | 1,003 |
| Efficiency ratio | 66.3174% | 3,836 |
| Assets per employee ($millions) | 5.0267% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,891 |
| Loan loss allowance to noncurrent loans | 143.9634% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 1,043 |
| Noncurrent loans to loans | 1.0901% | 2,303 |
| Net loans and leases to total assets | 76.1704% | 1,363 |
| Net loans and leases to deposits | 97.0981% | 900 |
| Net loans and leases to core deposits | 105.0482% | 1,165 |
| Total domestic deposits to total assets | 78.4469% | 5,100 |
| Equity capital to assets | 12.2358% | 1,920 |
| Core capital (leverage) ratio | 12.2232% | 1,553 |
| Tier 1 risk-based capital ratio | 14.7170% | 3,430 |
| Total risk-based capital ratio | 15.9698% | 3,374 |
| Memoranda: | ||
| Average total assets | $333,033,500 | 1,985 |
| Average earning assets | $295,830,250 | 2,053 |
| Average equity | $40,278,000 | 1,804 |
| Average total loans | $248,019,000 | 1,753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,455 |
| Cost of funding earning assets | 0.3319% | 4,029 |
| Net interest margin | 3.6262% | 2,992 |
| Noninterest income to average assets | 0.3526% | 4,441 |
| Noninterest expense to average assets | 2.4064% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6565% | 4,098 |
| Return on assets (ROA) | 0.6565% | 4,202 |
| Pretax return on assets | 1.1604% | 2,936 |
| Return on Equity (ROE) | 5.4494% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,567 |
| Net charge-offs to loans | 0.0107% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 148.0769% | 432 |
| Efficiency ratio | 67.4666% | 3,751 |
| Assets per employee ($millions) | 5.2466% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,865 |
| Loan loss allowance to noncurrent loans | 138.8050% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 1,078 |
| Noncurrent loans to loans | 1.1616% | 2,326 |
| Net loans and leases to total assets | 73.9856% | 1,663 |
| Net loans and leases to deposits | 89.3612% | 1,681 |
| Net loans and leases to core deposits | 95.6441% | 1,835 |
| Total domestic deposits to total assets | 82.7939% | 4,033 |
| Equity capital to assets | 11.8717% | 2,125 |
| Core capital (leverage) ratio | 12.0440% | 1,633 |
| Tier 1 risk-based capital ratio | 14.6914% | 3,534 |
| Total risk-based capital ratio | 15.9445% | 3,462 |
| Memoranda: | ||
| Average total assets | $331,781,000 | 2,003 |
| Average earning assets | $294,085,670 | 2,077 |
| Average equity | $39,967,670 | 1,822 |
| Average total loans | $243,817,000 | 1,784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,618 |
| Cost of funding earning assets | 0.3399% | 3,983 |
| Net interest margin | 3.5592% | 3,183 |
| Noninterest income to average assets | 0.3142% | 4,679 |
| Noninterest expense to average assets | 2.4282% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5808% | 4,355 |
| Return on assets (ROA) | 0.5808% | 4,461 |
| Pretax return on assets | 1.0356% | 3,357 |
| Return on Equity (ROE) | 4.7849% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.7849% | 3,182 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1024% | 3,470 |
| Assets per employee ($millions) | 5.3721% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 1,620 |
| Loan loss allowance to noncurrent loans | 84.1892% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.8399% | 692 |
| Noncurrent loans to loans | 2.0735% | 1,248 |
| Net loans and leases to total assets | 70.0956% | 2,128 |
| Net loans and leases to deposits | 84.8712% | 1,971 |
| Net loans and leases to core deposits | 90.8224% | 2,051 |
| Total domestic deposits to total assets | 82.5905% | 4,308 |
| Equity capital to assets | 11.9983% | 2,031 |
| Core capital (leverage) ratio | 11.3227% | 2,136 |
| Tier 1 risk-based capital ratio | 13.8159% | 4,138 |
| Total risk-based capital ratio | 15.0698% | 4,059 |
| Memoranda: | ||
| Average total assets | $327,156,500 | 2,036 |
| Average earning assets | $289,501,500 | 2,116 |
| Average equity | $39,708,500 | 1,845 |
| Average total loans | $237,501,500 | 1,829 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,390 |
| Cost of funding earning assets | 0.4175% | 3,505 |
| Net interest margin | 3.9364% | 2,096 |
| Noninterest income to average assets | 0.3295% | 4,756 |
| Noninterest expense to average assets | 2.5949% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7103% | 3,834 |
| Return on assets (ROA) | 0.7103% | 3,949 |
| Pretax return on assets | 1.1654% | 2,798 |
| Return on Equity (ROE) | 5.4377% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.4377% | 2,301 |
| Net charge-offs to loans | 0.0374% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 41.2530% | 1,056 |
| Efficiency ratio | 69.0080% | 3,713 |
| Assets per employee ($millions) | 5.0194% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 1,662 |
| Loan loss allowance to noncurrent loans | 116.5823% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.7384% | 797 |
| Noncurrent loans to loans | 1.4988% | 1,954 |
| Net loans and leases to total assets | 72.6054% | 1,808 |
| Net loans and leases to deposits | 88.3849% | 1,694 |
| Net loans and leases to core deposits | 95.0758% | 1,805 |
| Total domestic deposits to total assets | 82.1468% | 4,366 |
| Equity capital to assets | 12.2817% | 1,801 |
| Core capital (leverage) ratio | 10.8202% | 2,598 |
| Tier 1 risk-based capital ratio | 14.1893% | 3,974 |
| Total risk-based capital ratio | 15.4439% | 3,903 |
| Memoranda: | ||
| Average total assets | $293,803,400 | 2,189 |
| Average earning assets | $256,068,600 | 2,302 |
| Average equity | $38,380,000 | 1,838 |
| Average total loans | $221,759,000 | 1,889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,231 |
| Cost of funding earning assets | 0.4366% | 3,401 |
| Net interest margin | 3.9611% | 1,993 |
| Noninterest income to average assets | 0.2844% | 5,168 |
| Noninterest expense to average assets | 2.5458% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7137% | 3,868 |
| Return on assets (ROA) | 0.7137% | 3,972 |
| Pretax return on assets | 1.1746% | 2,890 |
| Return on Equity (ROE) | 5.3736% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,838 |
| Net charge-offs to loans | 0.2901% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.3334% | 3,290 |
| Efficiency ratio | 68.4276% | 3,777 |
| Assets per employee ($millions) | 5.0598% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 2,093 |
| Loan loss allowance to noncurrent loans | 71.1553% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.3541% | 646 |
| Noncurrent loans to loans | 2.3353% | 1,278 |
| Net loans and leases to total assets | 69.7493% | 2,239 |
| Net loans and leases to deposits | 84.9119% | 2,044 |
| Net loans and leases to core deposits | 91.1790% | 2,097 |
| Total domestic deposits to total assets | 82.1432% | 4,431 |
| Equity capital to assets | 12.2082% | 1,904 |
| Core capital (leverage) ratio | 12.2424% | 1,551 |
| Tier 1 risk-based capital ratio | 14.3750% | 3,965 |
| Total risk-based capital ratio | 15.6120% | 3,909 |
| Memoranda: | ||
| Average total assets | $286,943,750 | 2,245 |
| Average earning assets | $248,911,500 | 2,367 |
| Average equity | $38,111,500 | 1,859 |
| Average total loans | $217,852,000 | 1,932 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 1,905 |
| Cost of funding earning assets | 0.4786% | 3,037 |
| Net interest margin | 3.9983% | 1,806 |
| Noninterest income to average assets | 0.2888% | 5,110 |
| Noninterest expense to average assets | 2.5708% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7100% | 3,783 |
| Return on assets (ROA) | 0.7100% | 3,880 |
| Pretax return on assets | 1.1703% | 2,798 |
| Return on Equity (ROE) | 5.1845% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.1845% | 2,842 |
| Net charge-offs to loans | 0.3329% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5168% | 3,095 |
| Efficiency ratio | 68.7174% | 3,878 |
| Assets per employee ($millions) | 5.0372% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 1,886 |
| Loan loss allowance to noncurrent loans | 108.3963% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 3.1492% | 799 |
| Noncurrent loans to loans | 1.6444% | 2,116 |
| Net loans and leases to total assets | 74.3266% | 1,395 |
| Net loans and leases to deposits | 92.4784% | 1,099 |
| Net loans and leases to core deposits | 101.2742% | 1,186 |
| Total domestic deposits to total assets | 80.3718% | 5,163 |
| Equity capital to assets | 13.3625% | 1,207 |
| Core capital (leverage) ratio | 12.6657% | 1,300 |
| Tier 1 risk-based capital ratio | 14.9657% | 3,661 |
| Total risk-based capital ratio | 16.2211% | 3,595 |
| Memoranda: | ||
| Average total assets | $276,335,000 | 2,325 |
| Average earning assets | $238,603,670 | 2,458 |
| Average equity | $37,843,330 | 1,860 |
| Average total loans | $215,103,670 | 1,941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,899 |
| Cost of funding earning assets | 0.4977% | 2,927 |
| Net interest margin | 3.9734% | 1,844 |
| Noninterest income to average assets | 0.2628% | 5,260 |
| Noninterest expense to average assets | 2.6013% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6599% | 3,891 |
| Return on assets (ROA) | 0.6599% | 3,987 |
| Pretax return on assets | 1.0910% | 2,953 |
| Return on Equity (ROE) | 4.7576% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.7576% | 3,259 |
| Net charge-offs to loans | 0.5943% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.3239% | 2,903 |
| Efficiency ratio | 70.4518% | 3,751 |
| Assets per employee ($millions) | 5.0819% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,031 |
| Loan loss allowance to noncurrent loans | 154.3590% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 3.0315% | 939 |
| Noncurrent loans to loans | 1.1675% | 3,101 |
| Net loans and leases to total assets | 77.6988% | 796 |
| Net loans and leases to deposits | 97.6618% | 565 |
| Net loans and leases to core deposits | 107.4925% | 693 |
| Total domestic deposits to total assets | 79.5591% | 5,581 |
| Equity capital to assets | 13.7789% | 998 |
| Core capital (leverage) ratio | 12.3084% | 1,474 |
| Tier 1 risk-based capital ratio | 14.3182% | 4,116 |
| Total risk-based capital ratio | 15.5694% | 4,069 |
| Memoranda: | ||
| Average total assets | $270,943,500 | 2,370 |
| Average earning assets | $233,856,500 | 2,504 |
| Average equity | $37,582,000 | 1,870 |
| Average total loans | $214,016,500 | 1,949 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 2,181 |
| Cost of funding earning assets | 0.5494% | 3,115 |
| Net interest margin | 3.9571% | 2,081 |
| Noninterest income to average assets | 0.4640% | 3,999 |
| Noninterest expense to average assets | 2.6044% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7540% | 3,525 |
| Return on assets (ROA) | 0.7540% | 3,619 |
| Pretax return on assets | 1.2578% | 2,326 |
| Return on Equity (ROE) | 5.5878% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,228 |
| Net charge-offs to loans | 0.2209% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.4845% | 2,837 |
| Efficiency ratio | 67.4336% | 4,300 |
| Assets per employee ($millions) | 4.9531% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0062% | 1,532 |
| Loan loss allowance to noncurrent loans | 201.9570% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 3.5481% | 816 |
| Noncurrent loans to loans | 0.9934% | 3,531 |
| Net loans and leases to total assets | 77.2686% | 920 |
| Net loans and leases to deposits | 100.2581% | 469 |
| Net loans and leases to core deposits | 111.2805% | 562 |
| Total domestic deposits to total assets | 77.0697% | 5,957 |
| Equity capital to assets | 13.9651% | 907 |
| Core capital (leverage) ratio | 12.5581% | 1,329 |
| Tier 1 risk-based capital ratio | 14.2448% | 4,120 |
| Total risk-based capital ratio | 15.4998% | 4,060 |
| Memoranda: | ||
| Average total assets | $268,966,600 | 2,357 |
| Average earning assets | $230,975,000 | 2,507 |
| Average equity | $36,293,600 | 1,905 |
| Average total loans | $204,572,800 | 1,966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 2,327 |
| Cost of funding earning assets | 0.5626% | 3,146 |
| Net interest margin | 3.9124% | 2,228 |
| Noninterest income to average assets | 0.3416% | 4,959 |
| Noninterest expense to average assets | 2.5028% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7133% | 3,794 |
| Return on assets (ROA) | 0.7133% | 3,923 |
| Pretax return on assets | 1.1950% | 2,719 |
| Return on Equity (ROE) | 5.3326% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.3326% | 2,848 |
| Net charge-offs to loans | 0.2897% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.4739% | 3,180 |
| Efficiency ratio | 67.6841% | 4,152 |
| Assets per employee ($millions) | 5.1268% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 1,528 |
| Loan loss allowance to noncurrent loans | 192.8182% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 3.6636% | 903 |
| Noncurrent loans to loans | 1.0846% | 3,624 |
| Net loans and leases to total assets | 74.4969% | 1,215 |
| Net loans and leases to deposits | 89.5807% | 1,211 |
| Net loans and leases to core deposits | 98.4441% | 1,210 |
| Total domestic deposits to total assets | 83.1617% | 4,519 |
| Equity capital to assets | 13.7906% | 1,024 |
| Core capital (leverage) ratio | 12.3045% | 1,517 |
| Tier 1 risk-based capital ratio | 13.8928% | 4,502 |
| Total risk-based capital ratio | 15.1388% | 4,464 |
| Memoranda: | ||
| Average total assets | $269,341,500 | 2,371 |
| Average earning assets | $231,052,750 | 2,523 |
| Average equity | $36,029,000 | 1,929 |
| Average total loans | $202,991,250 | 1,984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,401 |
| Cost of funding earning assets | 0.5918% | 3,015 |
| Net interest margin | 3.8535% | 2,365 |
| Noninterest income to average assets | 0.3153% | 5,180 |
| Noninterest expense to average assets | 2.4680% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6905% | 3,853 |
| Return on assets (ROA) | 0.6905% | 4,022 |
| Pretax return on assets | 1.1626% | 2,830 |
| Return on Equity (ROE) | 5.2147% | 4,611 |
| Retained earnings to average equity (ytd only) | 5.2147% | 2,915 |
| Net charge-offs to loans | 0.3251% | 1,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.7606% | 3,044 |
| Efficiency ratio | 67.9780% | 4,185 |
| Assets per employee ($millions) | 4.9968% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 1,527 |
| Loan loss allowance to noncurrent loans | 72.8902% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 5.1037% | 598 |
| Noncurrent loans to loans | 2.9506% | 1,517 |
| Net loans and leases to total assets | 76.2208% | 962 |
| Net loans and leases to deposits | 94.2497% | 795 |
| Net loans and leases to core deposits | 103.6082% | 857 |
| Total domestic deposits to total assets | 80.8711% | 5,380 |
| Equity capital to assets | 13.9532% | 982 |
| Core capital (leverage) ratio | 11.9107% | 1,663 |
| Tier 1 risk-based capital ratio | 14.1750% | 4,308 |
| Total risk-based capital ratio | 15.4244% | 4,266 |
| Memoranda: | ||
| Average total assets | $270,257,000 | 2,370 |
| Average earning assets | $232,518,330 | 2,513 |
| Average equity | $35,783,670 | 1,948 |
| Average total loans | $203,039,330 | 1,989 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,704 |
| Cost of funding earning assets | 0.6511% | 2,648 |
| Net interest margin | 3.6957% | 2,871 |
| Noninterest income to average assets | 0.3006% | 5,293 |
| Noninterest expense to average assets | 2.4032% | 5,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6462% | 3,983 |
| Return on assets (ROA) | 0.6462% | 4,141 |
| Pretax return on assets | 1.0789% | 3,032 |
| Return on Equity (ROE) | 5.0073% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.0073% | 3,223 |
| Net charge-offs to loans | 0.6137% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3814% | 3,051 |
| Efficiency ratio | 69.0158% | 4,144 |
| Assets per employee ($millions) | 5.4070% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 1,690 |
| Loan loss allowance to noncurrent loans | 52.6309% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 5.8356% | 559 |
| Noncurrent loans to loans | 4.0859% | 1,088 |
| Net loans and leases to total assets | 72.1255% | 1,330 |
| Net loans and leases to deposits | 93.6134% | 693 |
| Net loans and leases to core deposits | 103.4258% | 744 |
| Total domestic deposits to total assets | 77.0461% | 6,246 |
| Equity capital to assets | 12.9719% | 1,441 |
| Core capital (leverage) ratio | 11.2601% | 2,048 |
| Tier 1 risk-based capital ratio | 13.5033% | 4,871 |
| Total risk-based capital ratio | 14.7501% | 4,829 |
| Memoranda: | ||
| Average total assets | $275,469,500 | 2,339 |
| Average earning assets | $237,141,500 | 2,498 |
| Average equity | $35,548,000 | 1,984 |
| Average total loans | $203,359,500 | 2,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 2,907 |
| Cost of funding earning assets | 0.7744% | 2,872 |
| Net interest margin | 3.8486% | 3,029 |
| Noninterest income to average assets | -0.0176% | 6,862 |
| Noninterest expense to average assets | 2.5443% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4252% | 4,985 |
| Return on assets (ROA) | 0.4252% | 5,242 |
| Pretax return on assets | 0.7018% | 4,659 |
| Return on Equity (ROE) | 3.2628% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.2628% | 3,929 |
| Net charge-offs to loans | 0.0236% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 41.5556% | 774 |
| Efficiency ratio | 78.3815% | 2,379 |
| Assets per employee ($millions) | 5.3957% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 1,365 |
| Loan loss allowance to noncurrent loans | 50.2414% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 6.1803% | 548 |
| Noncurrent loans to loans | 4.5813% | 922 |
| Net loans and leases to total assets | 72.2336% | 1,453 |
| Net loans and leases to deposits | 93.5376% | 776 |
| Net loans and leases to core deposits | 102.4931% | 865 |
| Total domestic deposits to total assets | 77.2242% | 6,199 |
| Equity capital to assets | 12.8370% | 1,527 |
| Core capital (leverage) ratio | 11.3440% | 1,982 |
| Tier 1 risk-based capital ratio | 13.2973% | 4,898 |
| Total risk-based capital ratio | 14.5567% | 4,838 |
| Memoranda: | ||
| Average total assets | $266,474,600 | 2,380 |
| Average earning assets | $225,980,000 | 2,558 |
| Average equity | $34,725,000 | 1,997 |
| Average total loans | $190,450,000 | 2,089 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 3,107 |
| Cost of funding earning assets | 0.8099% | 2,863 |
| Net interest margin | 3.8169% | 3,258 |
| Noninterest income to average assets | 0.0762% | 6,708 |
| Noninterest expense to average assets | 2.5350% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4722% | 4,949 |
| Return on assets (ROA) | 0.4722% | 5,207 |
| Pretax return on assets | 0.7794% | 4,564 |
| Return on Equity (ROE) | 3.6095% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.6095% | 4,340 |
| Net charge-offs to loans | 0.1125% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.7786% | 2,271 |
| Efficiency ratio | 76.4840% | 2,599 |
| Assets per employee ($millions) | 5.3138% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3176% | 1,484 |
| Loan loss allowance to noncurrent loans | 70.8527% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 5.5604% | 765 |
| Noncurrent loans to loans | 3.2710% | 1,681 |
| Net loans and leases to total assets | 71.0755% | 1,713 |
| Net loans and leases to deposits | 92.4098% | 928 |
| Net loans and leases to core deposits | 103.2893% | 914 |
| Total domestic deposits to total assets | 76.9134% | 6,247 |
| Equity capital to assets | 12.9621% | 1,608 |
| Core capital (leverage) ratio | 11.3047% | 2,133 |
| Tier 1 risk-based capital ratio | 13.2877% | 5,032 |
| Total risk-based capital ratio | 14.5376% | 4,995 |
| Memoranda: | ||
| Average total assets | $264,297,750 | 2,420 |
| Average earning assets | $224,223,500 | 2,598 |
| Average equity | $34,575,000 | 2,018 |
| Average total loans | $187,198,250 | 2,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 3,188 |
| Cost of funding earning assets | 0.8758% | 2,599 |
| Net interest margin | 3.7634% | 3,523 |
| Noninterest income to average assets | -0.0114% | 7,017 |
| Noninterest expense to average assets | 2.5589% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3701% | 5,346 |
| Return on assets (ROA) | 0.3701% | 5,566 |
| Pretax return on assets | 0.6105% | 5,100 |
| Return on Equity (ROE) | 2.8205% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.8205% | 4,746 |
| Net charge-offs to loans | 0.1730% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0314% | 2,926 |
| Efficiency ratio | 80.7368% | 2,073 |
| Assets per employee ($millions) | 4.9988% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 1,412 |
| Loan loss allowance to noncurrent loans | 67.3298% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 6.0944% | 696 |
| Noncurrent loans to loans | 3.5637% | 1,608 |
| Net loans and leases to total assets | 72.8991% | 1,408 |
| Net loans and leases to deposits | 96.3742% | 607 |
| Net loans and leases to core deposits | 107.9789% | 663 |
| Total domestic deposits to total assets | 75.6417% | 6,509 |
| Equity capital to assets | 13.6005% | 1,264 |
| Core capital (leverage) ratio | 10.9321% | 2,368 |
| Tier 1 risk-based capital ratio | 13.2515% | 5,000 |
| Total risk-based capital ratio | 14.5137% | 4,961 |
| Memoranda: | ||
| Average total assets | $262,061,670 | 2,437 |
| Average earning assets | $221,502,000 | 2,627 |
| Average equity | $34,390,670 | 2,013 |
| Average total loans | $183,868,000 | 2,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 4,359 |
| Cost of funding earning assets | 0.9161% | 2,560 |
| Net interest margin | 3.4760% | 4,807 |
| Noninterest income to average assets | -0.0723% | 7,154 |
| Noninterest expense to average assets | 2.5420% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2304% | 5,887 |
| Return on assets (ROA) | 0.2304% | 6,033 |
| Pretax return on assets | 0.3855% | 5,763 |
| Return on Equity (ROE) | 1.7869% | 6,138 |
| Retained earnings to average equity (ytd only) | 1.7869% | 5,352 |
| Net charge-offs to loans | 0.2414% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.3486% | 3,236 |
| Efficiency ratio | 86.8313% | 1,394 |
| Assets per employee ($millions) | 5.4899% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 1,333 |
| Loan loss allowance to noncurrent loans | 66.6042% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 5.8552% | 815 |
| Noncurrent loans to loans | 3.7750% | 1,639 |
| Net loans and leases to total assets | 65.2439% | 2,612 |
| Net loans and leases to deposits | 84.2103% | 1,638 |
| Net loans and leases to core deposits | 93.9917% | 1,468 |
| Total domestic deposits to total assets | 77.4774% | 6,340 |
| Equity capital to assets | 12.5085% | 1,715 |
| Core capital (leverage) ratio | 10.6380% | 2,607 |
| Tier 1 risk-based capital ratio | 13.4902% | 4,834 |
| Total risk-based capital ratio | 14.7400% | 4,823 |
| Memoranda: | ||
| Average total assets | $265,622,500 | 2,423 |
| Average earning assets | $229,226,500 | 2,540 |
| Average equity | $34,249,500 | 2,021 |
| Average total loans | $180,593,000 | 2,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 4,659 |
| Cost of funding earning assets | 1.1577% | 2,296 |
| Net interest margin | 3.4474% | 5,345 |
| Noninterest income to average assets | 0.0523% | 6,825 |
| Noninterest expense to average assets | 2.6684% | 4,857 |
| Loan and lease loss provision to assets | 0.0495% | 5,968 |
| Net operating income to assets | 0.1449% | 5,752 |
| Return on assets (ROA) | 0.1449% | 5,889 |
| Pretax return on assets | 0.2399% | 5,690 |
| Return on Equity (ROE) | 1.0826% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.0826% | 5,352 |
| Net charge-offs to loans | 0.2280% | 4,363 |
| Credit loss provision to net charge-offs | 31.5657% | 5,759 |
| Earnings coverage of net charge-offs (x) | 1.8460% | 4,388 |
| Efficiency ratio | 90.2168% | 1,170 |
| Assets per employee ($millions) | 5.0344% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6640% | 1,121 |
| Loan loss allowance to noncurrent loans | 50.8442% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 7.2031% | 633 |
| Noncurrent loans to loans | 5.2396% | 1,040 |
| Net loans and leases to total assets | 67.2824% | 2,521 |
| Net loans and leases to deposits | 88.5139% | 1,319 |
| Net loans and leases to core deposits | 103.4518% | 934 |
| Total domestic deposits to total assets | 76.0134% | 6,484 |
| Equity capital to assets | 13.3062% | 1,359 |
| Core capital (leverage) ratio | 11.3414% | 2,010 |
| Tier 1 risk-based capital ratio | 13.8153% | 4,468 |
| Total risk-based capital ratio | 15.0677% | 4,419 |
| Memoranda: | ||
| Average total assets | $252,622,000 | 2,494 |
| Average earning assets | $212,917,000 | 2,699 |
| Average equity | $33,806,200 | 1,976 |
| Average total loans | $173,689,000 | 2,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 4,796 |
| Cost of funding earning assets | 1.2194% | 2,198 |
| Net interest margin | 3.3986% | 5,577 |
| Noninterest income to average assets | 0.1415% | 6,539 |
| Noninterest expense to average assets | 2.6540% | 4,892 |
| Loan and lease loss provision to assets | 0.0662% | 5,629 |
| Net operating income to assets | 0.1653% | 5,787 |
| Return on assets (ROA) | 0.1653% | 5,917 |
| Pretax return on assets | 0.2735% | 5,764 |
| Return on Equity (ROE) | 1.2338% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.2338% | 5,519 |
| Net charge-offs to loans | 0.1127% | 4,884 |
| Credit loss provision to net charge-offs | 85.6164% | 3,937 |
| Earnings coverage of net charge-offs (x) | 4.3905% | 3,081 |
| Efficiency ratio | 88.6529% | 1,279 |
| Assets per employee ($millions) | 4.8951% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9307% | 913 |
| Loan loss allowance to noncurrent loans | 51.6497% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 8.9132% | 453 |
| Noncurrent loans to loans | 5.6742% | 1,018 |
| Net loans and leases to total assets | 68.7398% | 2,323 |
| Net loans and leases to deposits | 92.4562% | 973 |
| Net loans and leases to core deposits | 110.0860% | 669 |
| Total domestic deposits to total assets | 74.3486% | 6,718 |
| Equity capital to assets | 14.2188% | 1,080 |
| Core capital (leverage) ratio | 10.9793% | 2,402 |
| Tier 1 risk-based capital ratio | 13.8047% | 4,496 |
| Total risk-based capital ratio | 15.0563% | 4,459 |
| Memoranda: | ||
| Average total assets | $251,589,500 | 2,512 |
| Average earning assets | $211,138,500 | 2,722 |
| Average equity | $33,716,750 | 1,980 |
| Average total loans | $172,742,000 | 2,359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 5,288 |
| Cost of funding earning assets | 1.2794% | 2,067 |
| Net interest margin | 3.2424% | 6,018 |
| Noninterest income to average assets | 0.2325% | 5,981 |
| Noninterest expense to average assets | 2.6325% | 5,071 |
| Loan and lease loss provision to assets | 0.0978% | 5,097 |
| Net operating income to assets | 0.1346% | 5,920 |
| Return on assets (ROA) | 0.1346% | 6,016 |
| Pretax return on assets | 0.2239% | 5,876 |
| Return on Equity (ROE) | 1.0242% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.0242% | 5,452 |
| Net charge-offs to loans | 0.0748% | 4,900 |
| Credit loss provision to net charge-offs | 192.3077% | 1,567 |
| Earnings coverage of net charge-offs (x) | 6.3231% | 2,420 |
| Efficiency ratio | 89.1097% | 1,312 |
| Assets per employee ($millions) | 5.2849% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9524% | 936 |
| Loan loss allowance to noncurrent loans | 50.9672% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 8.7297% | 491 |
| Noncurrent loans to loans | 5.7928% | 1,055 |
| Net loans and leases to total assets | 65.5537% | 3,125 |
| Net loans and leases to deposits | 86.5234% | 1,711 |
| Net loans and leases to core deposits | 104.3414% | 1,022 |
| Total domestic deposits to total assets | 75.7641% | 6,634 |
| Equity capital to assets | 13.3893% | 1,343 |
| Core capital (leverage) ratio | 10.4266% | 2,791 |
| Tier 1 risk-based capital ratio | 13.7286% | 4,359 |
| Total risk-based capital ratio | 14.9817% | 4,335 |
| Memoranda: | ||
| Average total assets | $255,500,000 | 2,490 |
| Average earning assets | $214,474,000 | 2,707 |
| Average equity | $33,587,330 | 1,976 |
| Average total loans | $173,704,000 | 2,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 5,222 |
| Cost of funding earning assets | 1.3487% | 1,892 |
| Net interest margin | 3.1873% | 6,109 |
| Noninterest income to average assets | 0.1030% | 6,897 |
| Noninterest expense to average assets | 2.5724% | 5,322 |
| Loan and lease loss provision to assets | 0.1950% | 3,676 |
| Net operating income to assets | 0.0031% | 6,343 |
| Return on assets (ROA) | 0.0031% | 6,376 |
| Pretax return on assets | 0.0047% | 6,347 |
| Return on Equity (ROE) | 0.0240% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.0240% | 5,781 |
| Net charge-offs to loans | 0.1281% | 3,748 |
| Credit loss provision to net charge-offs | 223.2143% | 1,361 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,171 |
| Efficiency ratio | 92.7968% | 1,110 |
| Assets per employee ($millions) | 5.4116% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9337% | 972 |
| Loan loss allowance to noncurrent loans | 48.8953% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 8.9501% | 483 |
| Noncurrent loans to loans | 6.0000% | 1,053 |
| Net loans and leases to total assets | 63.2355% | 3,594 |
| Net loans and leases to deposits | 82.2663% | 2,316 |
| Net loans and leases to core deposits | 108.0468% | 841 |
| Total domestic deposits to total assets | 76.8668% | 6,557 |
| Equity capital to assets | 12.7413% | 1,506 |
| Core capital (leverage) ratio | 10.1176% | 3,007 |
| Tier 1 risk-based capital ratio | 13.3822% | 4,519 |
| Total risk-based capital ratio | 14.6318% | 4,500 |
| Memoranda: | ||
| Average total assets | $256,413,500 | 2,506 |
| Average earning assets | $214,728,500 | 2,730 |
| Average equity | $33,398,500 | 1,975 |
| Average total loans | $174,880,500 | 2,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 5,800 |
| Cost of funding earning assets | 1.6221% | 1,944 |
| Net interest margin | 3.0787% | 6,575 |
| Noninterest income to average assets | 0.0423% | 7,148 |
| Noninterest expense to average assets | 2.8333% | 4,466 |
| Loan and lease loss provision to assets | 1.0048% | 1,619 |
| Net operating income to assets | -0.7290% | 6,537 |
| Return on assets (ROA) | -0.7290% | 6,567 |
| Pretax return on assets | -1.2147% | 6,747 |
| Return on Equity (ROE) | -5.8586% | 6,487 |
| Retained earnings to average equity (ytd only) | -5.8586% | 6,370 |
| Net charge-offs to loans | 1.0731% | 2,066 |
| Credit loss provision to net charge-offs | 133.8028% | 2,918 |
| Earnings coverage of net charge-offs (x) | -0.2795% | 6,345 |
| Efficiency ratio | 108.0012% | 579 |
| Assets per employee ($millions) | 5.1595% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8241% | 1,023 |
| Loan loss allowance to noncurrent loans | 41.0057% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 10.4196% | 377 |
| Noncurrent loans to loans | 6.8871% | 833 |
| Net loans and leases to total assets | 69.4559% | 2,674 |
| Net loans and leases to deposits | 91.9202% | 1,273 |
| Net loans and leases to core deposits | 131.7330% | 308 |
| Total domestic deposits to total assets | 75.5611% | 6,690 |
| Equity capital to assets | 13.3293% | 1,246 |
| Core capital (leverage) ratio | 10.1021% | 2,971 |
| Tier 1 risk-based capital ratio | 12.5616% | 4,964 |
| Total risk-based capital ratio | 13.8141% | 4,953 |
| Memoranda: | ||
| Average total assets | $245,828,200 | 2,587 |
| Average earning assets | $206,095,200 | 2,796 |
| Average equity | $30,587,600 | 2,137 |
| Average total loans | $172,017,400 | 2,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 6,297 |
| Cost of funding earning assets | 1.6780% | 1,977 |
| Net interest margin | 2.9362% | 6,951 |
| Noninterest income to average assets | 0.1663% | 6,678 |
| Noninterest expense to average assets | 2.7560% | 4,657 |
| Loan and lease loss provision to assets | 1.0025% | 1,481 |
| Net operating income to assets | -0.6738% | 6,717 |
| Return on assets (ROA) | -0.6738% | 6,763 |
| Pretax return on assets | -1.1259% | 6,909 |
| Return on Equity (ROE) | -5.5143% | 6,687 |
| Retained earnings to average equity (ytd only) | -5.5143% | 6,598 |
| Net charge-offs to loans | 0.7495% | 2,549 |
| Credit loss provision to net charge-offs | 192.1875% | 1,862 |
| Earnings coverage of net charge-offs (x) | -0.2365% | 6,201 |
| Efficiency ratio | 104.6852% | 620 |
| Assets per employee ($millions) | 5.0159% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9762% | 839 |
| Loan loss allowance to noncurrent loans | 49.6789% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 9.5935% | 438 |
| Noncurrent loans to loans | 5.9910% | 1,046 |
| Net loans and leases to total assets | 69.7669% | 2,789 |
| Net loans and leases to deposits | 91.2906% | 1,539 |
| Net loans and leases to core deposits | 122.3706% | 548 |
| Total domestic deposits to total assets | 76.4228% | 6,582 |
| Equity capital to assets | 12.3517% | 1,940 |
| Core capital (leverage) ratio | 9.2760% | 4,240 |
| Tier 1 risk-based capital ratio | 11.5644% | 5,867 |
| Total risk-based capital ratio | 12.8092% | 5,862 |
| Memoranda: | ||
| Average total assets | $245,370,750 | 2,629 |
| Average earning assets | $206,114,500 | 2,833 |
| Average equity | $29,981,750 | 2,197 |
| Average total loans | $170,768,750 | 2,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 6,633 |
| Cost of funding earning assets | 1.7779% | 1,729 |
| Net interest margin | 2.7529% | 7,199 |
| Noninterest income to average assets | 0.1207% | 7,001 |
| Noninterest expense to average assets | 2.6473% | 5,140 |
| Loan and lease loss provision to assets | 0.8359% | 1,739 |
| Net operating income to assets | -0.6239% | 6,758 |
| Return on assets (ROA) | -0.6239% | 6,785 |
| Pretax return on assets | -1.0415% | 6,907 |
| Return on Equity (ROE) | -5.1245% | 6,706 |
| Retained earnings to average equity (ytd only) | -5.1245% | 6,568 |
| Net charge-offs to loans | 0.8378% | 2,157 |
| Credit loss provision to net charge-offs | 144.9788% | 2,743 |
| Earnings coverage of net charge-offs (x) | -0.3564% | 5,957 |
| Efficiency ratio | 108.4168% | 579 |
| Assets per employee ($millions) | 5.1815% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8047% | 997 |
| Loan loss allowance to noncurrent loans | 43.6071% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 9.5241% | 445 |
| Noncurrent loans to loans | 6.4318% | 937 |
| Net loans and leases to total assets | 64.0547% | 4,254 |
| Net loans and leases to deposits | 83.1290% | 3,049 |
| Net loans and leases to core deposits | 116.8351% | 818 |
| Total domestic deposits to total assets | 77.0546% | 6,493 |
| Equity capital to assets | 12.1413% | 2,019 |
| Core capital (leverage) ratio | 9.9535% | 3,216 |
| Tier 1 risk-based capital ratio | 12.2671% | 5,064 |
| Total risk-based capital ratio | 13.5254% | 5,032 |
| Memoranda: | ||
| Average total assets | $245,234,330 | 2,647 |
| Average earning assets | $206,762,330 | 2,850 |
| Average equity | $29,856,330 | 2,199 |
| Average total loans | $168,780,670 | 2,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 6,595 |
| Cost of funding earning assets | 1.9604% | 1,211 |
| Net interest margin | 2.6243% | 7,365 |
| Noninterest income to average assets | 0.2839% | 5,870 |
| Noninterest expense to average assets | 2.7828% | 4,550 |
| Loan and lease loss provision to assets | 0.6227% | 2,039 |
| Net operating income to assets | -0.5396% | 6,858 |
| Return on assets (ROA) | -0.5396% | 6,892 |
| Pretax return on assets | -0.9033% | 7,004 |
| Return on Equity (ROE) | -4.4261% | 6,850 |
| Retained earnings to average equity (ytd only) | -4.4261% | 6,543 |
| Net charge-offs to loans | 0.2336% | 3,532 |
| Credit loss provision to net charge-offs | 378.7879% | 1,063 |
| Earnings coverage of net charge-offs (x) | -1.7071% | 5,447 |
| Efficiency ratio | 111.2143% | 576 |
| Assets per employee ($millions) | 5.1955% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8339% | 948 |
| Loan loss allowance to noncurrent loans | 40.6876% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 10.3146% | 371 |
| Noncurrent loans to loans | 6.9651% | 858 |
| Net loans and leases to total assets | 65.3053% | 4,041 |
| Net loans and leases to deposits | 85.9837% | 2,589 |
| Net loans and leases to core deposits | 88.7392% | 3,529 |
| Total domestic deposits to total assets | 75.9508% | 6,768 |
| Equity capital to assets | 12.7902% | 1,605 |
| Core capital (leverage) ratio | 10.2528% | 2,870 |
| Tier 1 risk-based capital ratio | 12.8491% | 4,437 |
| Total risk-based capital ratio | 14.1009% | 4,412 |
| Memoranda: | ||
| Average total assets | $240,904,500 | 2,756 |
| Average earning assets | $203,633,500 | 2,946 |
| Average equity | $29,371,500 | 2,254 |
| Average total loans | $169,509,000 | 2,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 6,512 |
| Cost of funding earning assets | 2.4966% | 1,033 |
| Net interest margin | 2.4777% | 7,445 |
| Noninterest income to average assets | -0.4725% | 7,938 |
| Noninterest expense to average assets | 2.8319% | 4,826 |
| Loan and lease loss provision to assets | 1.9658% | 1,114 |
| Net operating income to assets | -1.9010% | 7,050 |
| Return on assets (ROA) | -1.9010% | 7,048 |
| Pretax return on assets | -3.1608% | 7,340 |
| Return on Equity (ROE) | -15.0041% | 6,937 |
| Retained earnings to average equity (ytd only) | -15.0041% | 6,887 |
| Net charge-offs to loans | 3.3881% | 587 |
| Credit loss provision to net charge-offs | 77.1110% | 6,355 |
| Earnings coverage of net charge-offs (x) | -0.4688% | 6,667 |
| Efficiency ratio | 173.0003% | 210 |
| Assets per employee ($millions) | 5.0558% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5014% | 1,226 |
| Loan loss allowance to noncurrent loans | 27.1486% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 10.2499% | 351 |
| Noncurrent loans to loans | 9.2138% | 480 |
| Net loans and leases to total assets | 71.7631% | 2,819 |
| Net loans and leases to deposits | 93.3698% | 1,680 |
| Net loans and leases to core deposits | 147.6995% | 566 |
| Total domestic deposits to total assets | 76.8590% | 6,519 |
| Equity capital to assets | 11.5776% | 2,262 |
| Core capital (leverage) ratio | 8.9264% | 4,546 |
| Tier 1 risk-based capital ratio | 10.7580% | 6,148 |
| Total risk-based capital ratio | 12.0054% | 6,122 |
| Memoranda: | ||
| Average total assets | $235,986,200 | 2,757 |
| Average earning assets | $200,912,800 | 2,955 |
| Average equity | $29,898,400 | 2,235 |
| Average total loans | $177,564,400 | 2,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 6,468 |
| Cost of funding earning assets | 2.5975% | 1,041 |
| Net interest margin | 2.4462% | 7,517 |
| Noninterest income to average assets | 0.1387% | 7,186 |
| Noninterest expense to average assets | 2.7925% | 4,929 |
| Loan and lease loss provision to assets | 0.9480% | 2,031 |
| Net operating income to assets | -0.9101% | 6,768 |
| Return on assets (ROA) | -0.9101% | 6,776 |
| Pretax return on assets | -1.5151% | 6,970 |
| Return on Equity (ROE) | -7.0304% | 6,663 |
| Retained earnings to average equity (ytd only) | -7.0304% | 6,510 |
| Net charge-offs to loans | 2.8322% | 615 |
| Credit loss provision to net charge-offs | 44.2419% | 6,382 |
| Earnings coverage of net charge-offs (x) | -0.2647% | 6,334 |
| Efficiency ratio | 125.4832% | 522 |
| Assets per employee ($millions) | 4.8766% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,583 |
| Loan loss allowance to noncurrent loans | 35.8825% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 8.6380% | 467 |
| Noncurrent loans to loans | 5.8815% | 1,024 |
| Net loans and leases to total assets | 70.6757% | 3,344 |
| Net loans and leases to deposits | 93.2839% | 2,003 |
| Net loans and leases to core deposits | 151.0244% | 561 |
| Total domestic deposits to total assets | 75.7641% | 6,628 |
| Equity capital to assets | 12.6986% | 1,832 |
| Core capital (leverage) ratio | 11.1556% | 2,300 |
| Tier 1 risk-based capital ratio | 12.9596% | 4,219 |
| Total risk-based capital ratio | 14.1543% | 4,197 |
| Memoranda: | ||
| Average total assets | $235,577,250 | 2,775 |
| Average earning assets | $200,957,750 | 2,969 |
| Average equity | $30,495,250 | 2,219 |
| Average total loans | $178,230,500 | 2,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 6,488 |
| Cost of funding earning assets | 2.7009% | 1,026 |
| Net interest margin | 2.3848% | 7,588 |
| Noninterest income to average assets | 0.1868% | 6,961 |
| Noninterest expense to average assets | 2.8117% | 4,912 |
| Loan and lease loss provision to assets | 0.3412% | 3,887 |
| Net operating income to assets | -0.5579% | 6,608 |
| Return on assets (ROA) | -0.5579% | 6,615 |
| Pretax return on assets | -0.9264% | 6,766 |
| Return on Equity (ROE) | -4.2821% | 6,518 |
| Retained earnings to average equity (ytd only) | -4.2821% | 6,184 |
| Net charge-offs to loans | 2.7891% | 594 |
| Credit loss provision to net charge-offs | 15.9236% | 6,157 |
| Earnings coverage of net charge-offs (x) | -0.2731% | 5,937 |
| Efficiency ratio | 126.2835% | 566 |
| Assets per employee ($millions) | 4.7469% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 1,450 |
| Loan loss allowance to noncurrent loans | 26.8536% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 10.3981% | 262 |
| Noncurrent loans to loans | 7.6845% | 593 |
| Net loans and leases to total assets | 74.2709% | 2,630 |
| Net loans and leases to deposits | 99.4623% | 1,340 |
| Net loans and leases to core deposits | 169.7244% | 319 |
| Total domestic deposits to total assets | 74.6724% | 6,829 |
| Equity capital to assets | 13.4226% | 1,521 |
| Core capital (leverage) ratio | 11.7672% | 1,940 |
| Tier 1 risk-based capital ratio | 13.3536% | 3,897 |
| Total risk-based capital ratio | 14.6016% | 3,836 |
| Memoranda: | ||
| Average total assets | $234,451,330 | 2,809 |
| Average earning assets | $200,524,000 | 2,994 |
| Average equity | $30,545,670 | 2,228 |
| Average total loans | $180,132,670 | 2,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 6,495 |
| Cost of funding earning assets | 2.7696% | 1,055 |
| Net interest margin | 2.3788% | 7,642 |
| Noninterest income to average assets | 0.0714% | 7,705 |
| Noninterest expense to average assets | 2.6477% | 5,228 |
| Loan and lease loss provision to assets | 0.1699% | 4,770 |
| Net operating income to assets | -0.4333% | 6,815 |
| Return on assets (ROA) | -0.4333% | 6,883 |
| Pretax return on assets | -0.7087% | 6,975 |
| Return on Equity (ROE) | -3.3766% | 6,823 |
| Retained earnings to average equity (ytd only) | -3.3766% | 6,343 |
| Net charge-offs to loans | 4.0945% | 293 |
| Credit loss provision to net charge-offs | 5.3677% | 5,225 |
| Earnings coverage of net charge-offs (x) | -0.1702% | 5,117 |
| Efficiency ratio | 125.5439% | 557 |
| Assets per employee ($millions) | 4.8289% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2205% | 1,058 |
| Loan loss allowance to noncurrent loans | 32.5261% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 9.2284% | 265 |
| Noncurrent loans to loans | 6.8269% | 608 |
| Net loans and leases to total assets | 74.2352% | 2,699 |
| Net loans and leases to deposits | 99.0085% | 1,532 |
| Net loans and leases to core deposits | 170.1075% | 340 |
| Total domestic deposits to total assets | 74.9786% | 6,719 |
| Equity capital to assets | 13.3427% | 1,595 |
| Core capital (leverage) ratio | 12.2005% | 1,816 |
| Tier 1 risk-based capital ratio | 13.5649% | 3,823 |
| Total risk-based capital ratio | 14.8122% | 3,751 |
| Memoranda: | ||
| Average total assets | $235,377,000 | 2,818 |
| Average earning assets | $201,616,000 | 2,997 |
| Average equity | $30,208,000 | 2,254 |
| Average total loans | $182,002,000 | 2,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9400% | 5,852 |
| Cost of funding earning assets | 3.3349% | 843 |
| Net interest margin | 2.6051% | 7,640 |
| Noninterest income to average assets | 0.0241% | 8,014 |
| Noninterest expense to average assets | 2.7945% | 4,843 |
| Loan and lease loss provision to assets | 2.1263% | 543 |
| Net operating income to assets | -1.6174% | 7,511 |
| Return on assets (ROA) | -1.6174% | 7,461 |
| Pretax return on assets | -2.6368% | 7,625 |
| Return on Equity (ROE) | -13.1213% | 7,502 |
| Retained earnings to average equity (ytd only) | -13.1213% | 7,345 |
| Net charge-offs to loans | 2.1265% | 499 |
| Credit loss provision to net charge-offs | 122.7637% | 4,375 |
| Earnings coverage of net charge-offs (x) | -0.2947% | 6,413 |
| Efficiency ratio | 122.3492% | 545 |
| Assets per employee ($millions) | 4.6827% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1199% | 396 |
| Loan loss allowance to noncurrent loans | 39.2548% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 10.2291% | 149 |
| Noncurrent loans to loans | 7.9480% | 342 |
| Net loans and leases to total assets | 76.2844% | 2,545 |
| Net loans and leases to deposits | 100.7088% | 1,754 |
| Net loans and leases to core deposits | 170.7275% | 386 |
| Total domestic deposits to total assets | 75.7475% | 6,296 |
| Equity capital to assets | 12.3197% | 2,100 |
| Core capital (leverage) ratio | 10.9299% | 2,645 |
| Tier 1 risk-based capital ratio | 12.1640% | 4,699 |
| Total risk-based capital ratio | 13.3873% | 4,601 |
| Memoranda: | ||
| Average total assets | $245,264,000 | 2,600 |
| Average earning assets | $212,779,000 | 2,738 |
| Average equity | $30,233,200 | 2,245 |
| Average total loans | $199,765,000 | 2,302 |