Home > Palmetto State Bank > Performance and Condition Ratios
Palmetto State 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 | 3.4922% | 4,397 |
| Cost of funding earning assets | 0.5322% | 4,168 |
| Net interest margin | 2.9600% | 3,380 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.2418% | 3,002 |
| Loan and lease loss provision to assets | -0.3100% | 4,574 |
| Net operating income to assets | 1.1757% | 1,704 |
| Return on assets (ROA) | 1.1757% | 1,679 |
| Pretax return on assets | 1.3921% | 1,653 |
| Return on Equity (ROE) | 10.2900% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,332 |
| Net charge-offs to loans | -0.8318% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.3748% | 2,182 |
| Assets per employee ($millions) | 6.7876% | 2,219 |
| Cash dividends to net income (ytd only)* | 43.9198% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 420 |
| Loan loss allowance to noncurrent loans | 429.4427% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,489 |
| Noncurrent loans to loans | 0.4529% | 1,648 |
| Net loans and leases to total assets | 33.7000% | 4,219 |
| Net loans and leases to deposits | 40.5378% | 4,187 |
| Net loans and leases to core deposits | 42.3172% | 4,243 |
| Total domestic deposits to total assets | 83.1400% | 2,858 |
| Equity capital to assets | 11.8988% | 1,164 |
| Core capital (leverage) ratio | 14.1834% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6791% | 314 |
| Memoranda: | ||
| Average total assets | $619,691,600 | 1,439 |
| Average earning assets | $583,809,600 | 1,408 |
| Average equity | $70,774,400 | 1,238 |
| Average total loans | $213,280,200 | 2,207 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 4,403 |
| Cost of funding earning assets | 0.4598% | 4,191 |
| Net interest margin | 2.9872% | 3,362 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.2381% | 2,970 |
| Loan and lease loss provision to assets | -0.4100% | 4,608 |
| Net operating income to assets | 1.2964% | 1,559 |
| Return on assets (ROA) | 1.2964% | 1,540 |
| Pretax return on assets | 1.5850% | 1,391 |
| Return on Equity (ROE) | 11.4700% | 2,260 |
| Retained earnings to average equity (ytd only) | 11.4693% | 1,075 |
| Net charge-offs to loans | -1.0997% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5222% | 2,328 |
| Assets per employee ($millions) | 6.9257% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 425 |
| Loan loss allowance to noncurrent loans | 413.8071% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 2,071 |
| Noncurrent loans to loans | 0.4723% | 1,643 |
| Net loans and leases to total assets | 33.9400% | 4,242 |
| Net loans and leases to deposits | 40.5991% | 4,191 |
| Net loans and leases to core deposits | 42.3908% | 4,207 |
| Total domestic deposits to total assets | 83.5900% | 2,879 |
| Equity capital to assets | 11.8049% | 1,087 |
| Core capital (leverage) ratio | 14.4294% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2053% | 313 |
| Memoranda: | ||
| Average total assets | $621,892,750 | 1,432 |
| Average earning assets | $586,035,000 | 1,410 |
| Average equity | $70,296,000 | 1,243 |
| Average total loans | $214,106,250 | 2,203 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 4,431 |
| Cost of funding earning assets | 0.3898% | 4,183 |
| Net interest margin | 2.9834% | 3,475 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.2803% | 2,867 |
| Loan and lease loss provision to assets | -0.6000% | 4,638 |
| Net operating income to assets | 1.4705% | 1,165 |
| Return on assets (ROA) | 1.4705% | 1,150 |
| Pretax return on assets | 1.7990% | 1,009 |
| Return on Equity (ROE) | 13.2000% | 1,860 |
| Retained earnings to average equity (ytd only) | 13.1965% | 780 |
| Net charge-offs to loans | -1.6975% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6284% | 2,299 |
| Assets per employee ($millions) | 8.0671% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 434 |
| Loan loss allowance to noncurrent loans | 1,299.0596% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,682 |
| Noncurrent loans to loans | 0.1521% | 2,712 |
| Net loans and leases to total assets | 33.5400% | 4,251 |
| Net loans and leases to deposits | 39.9534% | 4,216 |
| Net loans and leases to core deposits | 41.8023% | 4,219 |
| Total domestic deposits to total assets | 83.9500% | 2,830 |
| Equity capital to assets | 11.7614% | 1,116 |
| Core capital (leverage) ratio | 13.9012% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6488% | 327 |
| Memoranda: | ||
| Average total assets | $628,344,667 | 1,415 |
| Average earning assets | $592,136,000 | 1,397 |
| Average equity | $70,018,333 | 1,236 |
| Average total loans | $215,958,333 | 2,181 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 4,421 |
| Cost of funding earning assets | 0.2841% | 4,231 |
| Net interest margin | 3.0396% | 3,495 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.3605% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7353% | 3,383 |
| Return on assets (ROA) | 0.7353% | 3,341 |
| Pretax return on assets | 1.0598% | 2,831 |
| Return on Equity (ROE) | 6.7800% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.7795% | 2,557 |
| Net charge-offs to loans | -3.2085% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0143% | 1,859 |
| Assets per employee ($millions) | 8.1019% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8048% | 159 |
| Loan loss allowance to noncurrent loans | 1,397.4239% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,529 |
| Noncurrent loans to loans | 0.2007% | 2,468 |
| Net loans and leases to total assets | 33.5800% | 4,279 |
| Net loans and leases to deposits | 39.3636% | 4,243 |
| Net loans and leases to core deposits | 41.1885% | 4,240 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 11.4703% | 1,165 |
| Core capital (leverage) ratio | 13.0256% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3928% | 380 |
| Memoranda: | ||
| Average total assets | $635,966,500 | 1,419 |
| Average earning assets | $599,825,000 | 1,400 |
| Average equity | $68,973,000 | 1,259 |
| Average total loans | $219,046,500 | 2,176 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 3,990 |
| Cost of funding earning assets | 0.1800% | 3,907 |
| Net interest margin | 2.9183% | 3,639 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.1413% | 3,190 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9710% | 2,671 |
| Return on assets (ROA) | 0.9710% | 2,613 |
| Pretax return on assets | 1.1901% | 2,472 |
| Return on Equity (ROE) | 9.3800% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.4620% | 3,247 |
| Net charge-offs to loans | -0.3394% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4456% | 2,571 |
| Assets per employee ($millions) | 8.7491% | 995 |
| Cash dividends to net income (ytd only)* | 52.4109% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 573 |
| Loan loss allowance to noncurrent loans | 832.0158% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 2,532 |
| Noncurrent loans to loans | 0.2245% | 2,369 |
| Net loans and leases to total assets | 33.7000% | 4,295 |
| Net loans and leases to deposits | 38.8886% | 4,276 |
| Net loans and leases to core deposits | 40.1757% | 4,277 |
| Total domestic deposits to total assets | 86.6600% | 2,512 |
| Equity capital to assets | 10.2590% | 1,579 |
| Core capital (leverage) ratio | 11.9967% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7877% | 432 |
| Memoranda: | ||
| Average total assets | $687,756,400 | 1,324 |
| Average earning assets | $650,611,800 | 1,302 |
| Average equity | $71,223,600 | 1,229 |
| Average total loans | $227,141,200 | 2,069 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 3,854 |
| Cost of funding earning assets | 0.1646% | 3,686 |
| Net interest margin | 2.8553% | 3,607 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.0123% | 3,451 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9046% | 2,849 |
| Return on assets (ROA) | 0.9046% | 2,827 |
| Pretax return on assets | 1.2013% | 2,360 |
| Return on Equity (ROE) | 8.7200% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.7163% | 1,752 |
| Net charge-offs to loans | -0.1857% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2110% | 3,088 |
| Assets per employee ($millions) | 8.6550% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 672 |
| Loan loss allowance to noncurrent loans | 1,149.5822% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,683 |
| Noncurrent loans to loans | 0.1605% | 2,801 |
| Net loans and leases to total assets | 32.5200% | 4,354 |
| Net loans and leases to deposits | 37.3689% | 4,329 |
| Net loans and leases to core deposits | 38.6729% | 4,324 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 10.1892% | 1,530 |
| Core capital (leverage) ratio | 11.7764% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8778% | 440 |
| Memoranda: | ||
| Average total assets | $695,649,000 | 1,321 |
| Average earning assets | $658,584,750 | 1,300 |
| Average equity | $72,200,000 | 1,234 |
| Average total loans | $227,589,000 | 2,065 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9802% | 3,605 |
| Cost of funding earning assets | 0.1422% | 3,678 |
| Net interest margin | 2.8380% | 3,318 |
| Noninterest income to average assets | 0.6760% | 1,441 |
| Noninterest expense to average assets | 2.1940% | 2,882 |
| Loan and lease loss provision to assets | 0.1718% | 522 |
| Net operating income to assets | 0.7063% | 3,294 |
| Return on assets (ROA) | 0.7063% | 3,243 |
| Pretax return on assets | 1.0018% | 2,724 |
| Return on Equity (ROE) | 6.2940% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,238 |
| Net charge-offs to loans | -0.0484% | 4,224 |
| Credit loss provision to net charge-offs | -1,090.9091% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1505% | 2,627 |
| Assets per employee ($millions) | 8.8304% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 780 |
| Loan loss allowance to noncurrent loans | 1,401.6949% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,558 |
| Noncurrent loans to loans | 0.1302% | 3,069 |
| Net loans and leases to total assets | 32.3018% | 4,394 |
| Net loans and leases to deposits | 37.4986% | 4,356 |
| Net loans and leases to core deposits | 39.1595% | 4,345 |
| Total domestic deposits to total assets | 86.1414% | 3,212 |
| Equity capital to assets | 10.9157% | 1,251 |
| Core capital (leverage) ratio | 12.1247% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6643% | 386 |
| Memoranda: | ||
| Average total assets | $698,556,667 | 1,322 |
| Average earning assets | $662,509,000 | 1,305 |
| Average equity | $78,392,000 | 1,186 |
| Average total loans | $227,490,667 | 2,067 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0052% | 3,241 |
| Cost of funding earning assets | 0.1074% | 4,047 |
| Net interest margin | 2.8977% | 2,849 |
| Noninterest income to average assets | 0.5544% | 1,881 |
| Noninterest expense to average assets | 2.1642% | 2,935 |
| Loan and lease loss provision to assets | 0.1706% | 456 |
| Net operating income to assets | 0.6715% | 3,153 |
| Return on assets (ROA) | 0.6715% | 3,138 |
| Pretax return on assets | 0.9650% | 2,557 |
| Return on Equity (ROE) | 5.9053% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,280 |
| Net charge-offs to loans | -0.0193% | 3,892 |
| Credit loss provision to net charge-offs | -2,727.2727% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5868% | 2,819 |
| Assets per employee ($millions) | 8.7731% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,084 |
| Loan loss allowance to noncurrent loans | 1,276.4310% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,615 |
| Noncurrent loans to loans | 0.1318% | 3,148 |
| Net loans and leases to total assets | 31.5691% | 4,400 |
| Net loans and leases to deposits | 36.6540% | 4,366 |
| Net loans and leases to core deposits | 38.3175% | 4,363 |
| Total domestic deposits to total assets | 86.1274% | 3,214 |
| Equity capital to assets | 11.1207% | 1,276 |
| Core capital (leverage) ratio | 11.8925% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1990% | 420 |
| Memoranda: | ||
| Average total assets | $703,449,000 | 1,319 |
| Average earning assets | $666,453,000 | 1,305 |
| Average equity | $79,996,000 | 1,198 |
| Average total loans | $227,925,500 | 2,060 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2319% | 3,399 |
| Cost of funding earning assets | 0.1012% | 4,376 |
| Net interest margin | 3.1307% | 2,804 |
| Noninterest income to average assets | 0.7688% | 1,538 |
| Noninterest expense to average assets | 1.9858% | 3,722 |
| Loan and lease loss provision to assets | 0.1829% | 623 |
| Net operating income to assets | 1.3237% | 1,538 |
| Return on assets (ROA) | 1.3237% | 1,580 |
| Pretax return on assets | 1.5775% | 1,489 |
| Return on Equity (ROE) | 10.8809% | 2,206 |
| Retained earnings to average equity (ytd only) | 7.1995% | 1,842 |
| Net charge-offs to loans | 0.4542% | 182 |
| Credit loss provision to net charge-offs | 117.7885% | 1,662 |
| Earnings coverage of net charge-offs (x) | 11.3385% | 2,161 |
| Efficiency ratio | 53.0087% | 4,030 |
| Assets per employee ($millions) | 8.5982% | 1,049 |
| Cash dividends to net income (ytd only)* | 33.8333% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,509 |
| Loan loss allowance to noncurrent loans | 4,095.2941% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,021 |
| Noncurrent loans to loans | 0.0369% | 3,813 |
| Net loans and leases to total assets | 32.1980% | 4,441 |
| Net loans and leases to deposits | 37.6819% | 4,419 |
| Net loans and leases to core deposits | 39.5039% | 4,407 |
| Total domestic deposits to total assets | 85.4466% | 3,111 |
| Equity capital to assets | 11.6221% | 1,439 |
| Core capital (leverage) ratio | 11.9661% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2116% | 428 |
| Memoranda: | ||
| Average total assets | $669,841,200 | 1,327 |
| Average earning assets | $637,045,800 | 1,312 |
| Average equity | $81,491,600 | 1,188 |
| Average total loans | $228,997,600 | 2,056 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 3,374 |
| Cost of funding earning assets | 0.1026% | 4,480 |
| Net interest margin | 3.2030% | 2,719 |
| Noninterest income to average assets | 0.8260% | 1,453 |
| Noninterest expense to average assets | 1.8371% | 4,091 |
| Loan and lease loss provision to assets | 0.1623% | 677 |
| Net operating income to assets | 1.5615% | 1,119 |
| Return on assets (ROA) | 1.5615% | 1,167 |
| Pretax return on assets | 1.8738% | 993 |
| Return on Equity (ROE) | 12.6844% | 1,809 |
| Retained earnings to average equity (ytd only) | 12.6844% | 691 |
| Net charge-offs to loans | -0.6514% | 4,853 |
| Credit loss provision to net charge-offs | -72.0680% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4301% | 4,414 |
| Assets per employee ($millions) | 8.4788% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 455 |
| Loan loss allowance to noncurrent loans | 188.5435% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 1,858 |
| Noncurrent loans to loans | 1.1659% | 958 |
| Net loans and leases to total assets | 33.3840% | 4,493 |
| Net loans and leases to deposits | 39.4444% | 4,473 |
| Net loans and leases to core deposits | 41.2805% | 4,474 |
| Total domestic deposits to total assets | 84.6355% | 3,253 |
| Equity capital to assets | 12.1951% | 1,314 |
| Core capital (leverage) ratio | 12.3622% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1611% | 419 |
| Memoranda: | ||
| Average total assets | $661,038,000 | 1,355 |
| Average earning assets | $628,897,000 | 1,336 |
| Average equity | $81,379,000 | 1,208 |
| Average total loans | $228,623,500 | 2,093 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 3,182 |
| Cost of funding earning assets | 0.1048% | 4,546 |
| Net interest margin | 3.2955% | 2,452 |
| Noninterest income to average assets | 0.9061% | 1,260 |
| Noninterest expense to average assets | 1.8170% | 4,150 |
| Loan and lease loss provision to assets | 0.1555% | 757 |
| Net operating income to assets | 1.7530% | 795 |
| Return on assets (ROA) | 1.7530% | 841 |
| Pretax return on assets | 2.0707% | 720 |
| Return on Equity (ROE) | 14.1920% | 1,355 |
| Retained earnings to average equity (ytd only) | 14.1920% | 520 |
| Net charge-offs to loans | -1.2608% | 4,904 |
| Credit loss provision to net charge-offs | -35.4884% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9402% | 4,574 |
| Assets per employee ($millions) | 8.2448% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3190% | 346 |
| Loan loss allowance to noncurrent loans | 15,361.7647% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,289 |
| Noncurrent loans to loans | 0.0151% | 4,158 |
| Net loans and leases to total assets | 32.5408% | 4,572 |
| Net loans and leases to deposits | 39.1905% | 4,544 |
| Net loans and leases to core deposits | 41.1454% | 4,552 |
| Total domestic deposits to total assets | 83.0322% | 3,700 |
| Equity capital to assets | 12.2216% | 1,262 |
| Core capital (leverage) ratio | 12.2785% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6026% | 396 |
| Memoranda: | ||
| Average total assets | $649,629,000 | 1,368 |
| Average earning assets | $618,417,333 | 1,346 |
| Average equity | $80,242,667 | 1,218 |
| Average total loans | $225,723,333 | 2,119 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 2,697 |
| Cost of funding earning assets | 0.1103% | 4,584 |
| Net interest margin | 3.4714% | 1,905 |
| Noninterest income to average assets | 0.8391% | 1,492 |
| Noninterest expense to average assets | 1.7140% | 4,349 |
| Loan and lease loss provision to assets | 0.1666% | 753 |
| Net operating income to assets | 1.9384% | 622 |
| Return on assets (ROA) | 1.9384% | 668 |
| Pretax return on assets | 2.2627% | 623 |
| Return on Equity (ROE) | 15.6052% | 1,091 |
| Retained earnings to average equity (ytd only) | 15.6052% | 557 |
| Net charge-offs to loans | -2.4693% | 4,930 |
| Credit loss provision to net charge-offs | -18.9964% | 2,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3683% | 4,693 |
| Assets per employee ($millions) | 7.9502% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 423 |
| Loan loss allowance to noncurrent loans | 101.4950% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 933 |
| Noncurrent loans to loans | 2.1679% | 465 |
| Net loans and leases to total assets | 33.7912% | 4,580 |
| Net loans and leases to deposits | 39.8173% | 4,572 |
| Net loans and leases to core deposits | 41.7896% | 4,572 |
| Total domestic deposits to total assets | 84.8656% | 3,157 |
| Equity capital to assets | 12.3386% | 1,135 |
| Core capital (leverage) ratio | 12.5213% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9893% | 404 |
| Memoranda: | ||
| Average total assets | $636,406,000 | 1,381 |
| Average earning assets | $605,746,500 | 1,357 |
| Average equity | $79,050,500 | 1,222 |
| Average total loans | $225,973,500 | 2,117 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 4,495 |
| Cost of funding earning assets | 0.1795% | 4,647 |
| Net interest margin | 2.9841% | 3,925 |
| Noninterest income to average assets | 0.6810% | 1,924 |
| Noninterest expense to average assets | 1.9063% | 4,314 |
| Loan and lease loss provision to assets | 0.1973% | 1,978 |
| Net operating income to assets | 1.1772% | 1,624 |
| Return on assets (ROA) | 1.2860% | 1,385 |
| Pretax return on assets | 1.5436% | 1,213 |
| Return on Equity (ROE) | 10.0367% | 1,995 |
| Retained earnings to average equity (ytd only) | 6.7295% | 1,497 |
| Net charge-offs to loans | 0.5666% | 265 |
| Credit loss provision to net charge-offs | 100.6050% | 2,809 |
| Earnings coverage of net charge-offs (x) | 8.2092% | 2,622 |
| Efficiency ratio | 54.2155% | 4,188 |
| Assets per employee ($millions) | 7.1368% | 1,488 |
| Cash dividends to net income (ytd only)* | 32.9511% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,759 |
| Loan loss allowance to noncurrent loans | 258.9159% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 2,463 |
| Noncurrent loans to loans | 0.5615% | 2,297 |
| Net loans and leases to total assets | 35.9810% | 4,591 |
| Net loans and leases to deposits | 42.5483% | 4,576 |
| Net loans and leases to core deposits | 44.7447% | 4,580 |
| Total domestic deposits to total assets | 84.5651% | 2,923 |
| Equity capital to assets | 12.5083% | 1,318 |
| Core capital (leverage) ratio | 12.7705% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6093% | 405 |
| Memoranda: | ||
| Average total assets | $589,988,200 | 1,348 |
| Average earning assets | $560,533,000 | 1,319 |
| Average equity | $75,592,400 | 1,211 |
| Average total loans | $204,191,800 | 2,204 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 4,640 |
| Cost of funding earning assets | 0.1918% | 4,697 |
| Net interest margin | 2.9462% | 4,096 |
| Noninterest income to average assets | 0.6499% | 1,986 |
| Noninterest expense to average assets | 2.0256% | 4,095 |
| Loan and lease loss provision to assets | 0.2006% | 1,986 |
| Net operating income to assets | 1.0064% | 2,318 |
| Return on assets (ROA) | 1.1513% | 1,930 |
| Pretax return on assets | 1.3964% | 1,752 |
| Return on Equity (ROE) | 8.9296% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.9296% | 999 |
| Net charge-offs to loans | 0.6836% | 203 |
| Credit loss provision to net charge-offs | 86.0511% | 2,721 |
| Earnings coverage of net charge-offs (x) | 6.0923% | 2,677 |
| Efficiency ratio | 58.7852% | 3,557 |
| Assets per employee ($millions) | 7.2691% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,847 |
| Loan loss allowance to noncurrent loans | 399.7459% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 2,973 |
| Noncurrent loans to loans | 0.3441% | 3,052 |
| Net loans and leases to total assets | 35.6662% | 4,691 |
| Net loans and leases to deposits | 42.3033% | 4,692 |
| Net loans and leases to core deposits | 44.5184% | 4,698 |
| Total domestic deposits to total assets | 84.3108% | 2,704 |
| Equity capital to assets | 12.2696% | 1,536 |
| Core capital (leverage) ratio | 12.2515% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7503% | 373 |
| Memoranda: | ||
| Average total assets | $582,260,250 | 1,344 |
| Average earning assets | $552,554,500 | 1,321 |
| Average equity | $75,074,500 | 1,210 |
| Average total loans | $198,564,250 | 2,248 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 4,680 |
| Cost of funding earning assets | 0.2062% | 4,751 |
| Net interest margin | 3.0471% | 4,027 |
| Noninterest income to average assets | 0.6815% | 1,806 |
| Noninterest expense to average assets | 2.1661% | 3,887 |
| Loan and lease loss provision to assets | 0.2079% | 1,976 |
| Net operating income to assets | 0.9397% | 2,542 |
| Return on assets (ROA) | 1.1554% | 1,913 |
| Pretax return on assets | 1.4605% | 1,558 |
| Return on Equity (ROE) | 8.8019% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.8019% | 1,069 |
| Net charge-offs to loans | 0.7278% | 213 |
| Credit loss provision to net charge-offs | 85.7143% | 2,483 |
| Earnings coverage of net charge-offs (x) | 5.7522% | 2,493 |
| Efficiency ratio | 58.1769% | 3,666 |
| Assets per employee ($millions) | 7.0897% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,325 |
| Loan loss allowance to noncurrent loans | 441.9668% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,146 |
| Noncurrent loans to loans | 0.3352% | 3,191 |
| Net loans and leases to total assets | 34.4080% | 4,770 |
| Net loans and leases to deposits | 40.7981% | 4,775 |
| Net loans and leases to core deposits | 43.0609% | 4,772 |
| Total domestic deposits to total assets | 84.3372% | 2,617 |
| Equity capital to assets | 12.3197% | 1,468 |
| Core capital (leverage) ratio | 13.5268% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4825% | 350 |
| Memoranda: | ||
| Average total assets | $565,541,667 | 1,359 |
| Average earning assets | $534,544,333 | 1,338 |
| Average equity | $74,234,333 | 1,211 |
| Average total loans | $188,517,333 | 2,320 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 4,458 |
| Cost of funding earning assets | 0.2397% | 4,797 |
| Net interest margin | 3.4175% | 3,240 |
| Noninterest income to average assets | 0.7379% | 1,506 |
| Noninterest expense to average assets | 2.2715% | 3,833 |
| Loan and lease loss provision to assets | 0.2223% | 1,391 |
| Net operating income to assets | 1.1550% | 1,676 |
| Return on assets (ROA) | 1.1550% | 1,783 |
| Pretax return on assets | 1.4336% | 1,472 |
| Return on Equity (ROE) | 8.5009% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.5009% | 1,101 |
| Net charge-offs to loans | -0.8591% | 5,050 |
| Credit loss provision to net charge-offs | -79.7872% | 3,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0843% | 4,460 |
| Assets per employee ($millions) | 6.5765% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2898% | 334 |
| Loan loss allowance to noncurrent loans | 177.2809% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,008 |
| Noncurrent loans to loans | 1.2916% | 1,267 |
| Net loans and leases to total assets | 31.7543% | 4,871 |
| Net loans and leases to deposits | 38.1964% | 4,865 |
| Net loans and leases to core deposits | 40.6806% | 4,868 |
| Total domestic deposits to total assets | 83.1343% | 3,067 |
| Equity capital to assets | 14.0587% | 1,036 |
| Core capital (leverage) ratio | 13.4243% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3758% | 275 |
| Memoranda: | ||
| Average total assets | $539,909,000 | 1,378 |
| Average earning assets | $503,872,500 | 1,372 |
| Average equity | $73,357,000 | 1,223 |
| Average total loans | $175,065,000 | 2,412 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,661 |
| Cost of funding earning assets | 0.2574% | 4,832 |
| Net interest margin | 3.4586% | 3,569 |
| Noninterest income to average assets | 0.5989% | 2,225 |
| Noninterest expense to average assets | 2.0193% | 4,500 |
| Loan and lease loss provision to assets | 0.1523% | 1,390 |
| Net operating income to assets | 1.3597% | 1,476 |
| Return on assets (ROA) | 1.3597% | 1,555 |
| Pretax return on assets | 1.6952% | 1,200 |
| Return on Equity (ROE) | 8.5218% | 2,935 |
| Retained earnings to average equity (ytd only) | -21.0323% | 5,142 |
| Net charge-offs to loans | 0.8378% | 195 |
| Credit loss provision to net charge-offs | 54.6164% | 3,086 |
| Earnings coverage of net charge-offs (x) | 6.6235% | 2,959 |
| Efficiency ratio | 52.2208% | 4,586 |
| Assets per employee ($millions) | 6.3619% | 1,380 |
| Cash dividends to net income (ytd only)* | 346.8054% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 597 |
| Loan loss allowance to noncurrent loans | 199.8784% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,280 |
| Noncurrent loans to loans | 0.9293% | 1,648 |
| Net loans and leases to total assets | 31.7523% | 4,940 |
| Net loans and leases to deposits | 37.5032% | 4,948 |
| Net loans and leases to core deposits | 39.8157% | 4,948 |
| Total domestic deposits to total assets | 84.6658% | 2,622 |
| Equity capital to assets | 13.1276% | 1,445 |
| Core capital (leverage) ratio | 12.7534% | 1,351 |
| Tier 1 risk-based capital ratio | 20.9076% | 1,179 |
| Total risk-based capital ratio | 21.8782% | 1,198 |
| Memoranda: | ||
| Average total assets | $551,382,400 | 1,299 |
| Average earning assets | $520,996,800 | 1,289 |
| Average equity | $87,974,200 | 1,005 |
| Average total loans | $183,568,800 | 2,283 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,716 |
| Cost of funding earning assets | 0.2591% | 4,904 |
| Net interest margin | 3.4998% | 3,566 |
| Noninterest income to average assets | 0.5334% | 2,545 |
| Noninterest expense to average assets | 2.0821% | 4,393 |
| Loan and lease loss provision to assets | 0.1269% | 1,522 |
| Net operating income to assets | 1.2593% | 1,990 |
| Return on assets (ROA) | 1.2593% | 2,071 |
| Pretax return on assets | 1.6395% | 1,498 |
| Return on Equity (ROE) | 7.5612% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.5612% | 1,594 |
| Net charge-offs to loans | -0.2008% | 5,109 |
| Credit loss provision to net charge-offs | -188.5305% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1013% | 4,383 |
| Assets per employee ($millions) | 6.3914% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7135% | 173 |
| Loan loss allowance to noncurrent loans | 304.3837% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,420 |
| Noncurrent loans to loans | 0.8915% | 1,795 |
| Net loans and leases to total assets | 31.2502% | 5,034 |
| Net loans and leases to deposits | 38.7936% | 5,022 |
| Net loans and leases to core deposits | 41.2708% | 5,006 |
| Total domestic deposits to total assets | 80.5550% | 3,858 |
| Equity capital to assets | 17.3477% | 458 |
| Core capital (leverage) ratio | 17.0701% | 433 |
| Tier 1 risk-based capital ratio | 36.7873% | 310 |
| Total risk-based capital ratio | 38.0449% | 305 |
| Memoranda: | ||
| Average total assets | $552,447,500 | 1,305 |
| Average earning assets | $523,300,500 | 1,287 |
| Average equity | $92,011,750 | 960 |
| Average total loans | $185,208,000 | 2,292 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,745 |
| Cost of funding earning assets | 0.2556% | 4,942 |
| Net interest margin | 3.5161% | 3,545 |
| Noninterest income to average assets | 0.6054% | 2,122 |
| Noninterest expense to average assets | 2.1859% | 4,253 |
| Loan and lease loss provision to assets | 0.0759% | 2,298 |
| Net operating income to assets | 1.2953% | 1,791 |
| Return on assets (ROA) | 1.2953% | 1,852 |
| Pretax return on assets | 1.6748% | 1,325 |
| Return on Equity (ROE) | 7.8858% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.8858% | 1,438 |
| Net charge-offs to loans | -0.2137% | 5,139 |
| Credit loss provision to net charge-offs | -104.4776% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0940% | 4,551 |
| Assets per employee ($millions) | 6.3136% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 264 |
| Loan loss allowance to noncurrent loans | 553.0818% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 2,986 |
| Noncurrent loans to loans | 0.4293% | 2,992 |
| Net loans and leases to total assets | 32.5414% | 5,058 |
| Net loans and leases to deposits | 40.5426% | 5,037 |
| Net loans and leases to core deposits | 42.8049% | 5,030 |
| Total domestic deposits to total assets | 80.2647% | 3,983 |
| Equity capital to assets | 16.8567% | 485 |
| Core capital (leverage) ratio | 16.6686% | 466 |
| Tier 1 risk-based capital ratio | 34.4332% | 354 |
| Total risk-based capital ratio | 35.6880% | 348 |
| Memoranda: | ||
| Average total assets | $553,377,330 | 1,305 |
| Average earning assets | $524,275,670 | 1,286 |
| Average equity | $90,898,000 | 966 |
| Average total loans | $188,090,670 | 2,275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,756 |
| Cost of funding earning assets | 0.2420% | 5,003 |
| Net interest margin | 3.5240% | 3,523 |
| Noninterest income to average assets | 0.4737% | 2,713 |
| Noninterest expense to average assets | 1.9599% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4775% | 1,158 |
| Return on assets (ROA) | 1.4775% | 1,182 |
| Pretax return on assets | 1.8578% | 864 |
| Return on Equity (ROE) | 9.1153% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.1153% | 1,284 |
| Net charge-offs to loans | -0.3166% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3375% | 4,742 |
| Assets per employee ($millions) | 6.4930% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 389 |
| Loan loss allowance to noncurrent loans | 230.6748% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,235 |
| Noncurrent loans to loans | 0.9297% | 1,801 |
| Net loans and leases to total assets | 33.7967% | 5,075 |
| Net loans and leases to deposits | 41.5116% | 5,051 |
| Net loans and leases to core deposits | 43.9981% | 5,041 |
| Total domestic deposits to total assets | 81.4151% | 3,878 |
| Equity capital to assets | 16.2629% | 539 |
| Core capital (leverage) ratio | 16.3079% | 496 |
| Tier 1 risk-based capital ratio | 32.9989% | 387 |
| Total risk-based capital ratio | 34.2518% | 373 |
| Memoranda: | ||
| Average total assets | $552,269,000 | 1,312 |
| Average earning assets | $524,068,500 | 1,290 |
| Average equity | $89,519,500 | 969 |
| Average total loans | $189,538,500 | 2,288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,748 |
| Cost of funding earning assets | 0.2318% | 4,883 |
| Net interest margin | 3.4143% | 3,963 |
| Noninterest income to average assets | 0.6302% | 2,150 |
| Noninterest expense to average assets | 1.9656% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4742% | 1,191 |
| Return on assets (ROA) | 1.4742% | 1,182 |
| Pretax return on assets | 1.9043% | 716 |
| Return on Equity (ROE) | 9.5690% | 2,708 |
| Retained earnings to average equity (ytd only) | 3.7520% | 3,510 |
| Net charge-offs to loans | 0.3228% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 18.2247% | 2,150 |
| Efficiency ratio | 50.7920% | 4,886 |
| Assets per employee ($millions) | 6.4252% | 1,248 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 376 |
| Loan loss allowance to noncurrent loans | 232.0140% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,206 |
| Noncurrent loans to loans | 0.9226% | 1,739 |
| Net loans and leases to total assets | 33.3678% | 5,135 |
| Net loans and leases to deposits | 40.6879% | 5,109 |
| Net loans and leases to core deposits | 42.9476% | 5,103 |
| Total domestic deposits to total assets | 82.0091% | 3,638 |
| Equity capital to assets | 16.1547% | 514 |
| Core capital (leverage) ratio | 15.9975% | 510 |
| Tier 1 risk-based capital ratio | 31.4605% | 413 |
| Total risk-based capital ratio | 32.7121% | 408 |
| Memoranda: | ||
| Average total assets | $557,947,600 | 1,273 |
| Average earning assets | $529,428,000 | 1,251 |
| Average equity | $85,954,400 | 973 |
| Average total loans | $180,605,600 | 2,328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,801 |
| Cost of funding earning assets | 0.2292% | 4,892 |
| Net interest margin | 3.3735% | 4,087 |
| Noninterest income to average assets | 0.6520% | 2,062 |
| Noninterest expense to average assets | 2.0476% | 4,650 |
| Loan and lease loss provision to assets | 0.0445% | 3,104 |
| Net operating income to assets | 1.3471% | 1,673 |
| Return on assets (ROA) | 1.3471% | 1,688 |
| Pretax return on assets | 1.7607% | 1,109 |
| Return on Equity (ROE) | 8.8490% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.9453% | 3,267 |
| Net charge-offs to loans | 0.0052% | 3,251 |
| Credit loss provision to net charge-offs | 2,671.4286% | 156 |
| Earnings coverage of net charge-offs (x) | 1,085.2176% | 75 |
| Efficiency ratio | 53.1466% | 4,694 |
| Assets per employee ($millions) | 6.5888% | 1,142 |
| Cash dividends to net income (ytd only)* | 44.1151% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5626% | 221 |
| Loan loss allowance to noncurrent loans | 207.4705% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,933 |
| Noncurrent loans to loans | 1.2352% | 1,364 |
| Net loans and leases to total assets | 32.2416% | 5,239 |
| Net loans and leases to deposits | 38.9908% | 5,229 |
| Net loans and leases to core deposits | 41.0875% | 5,220 |
| Total domestic deposits to total assets | 82.6903% | 3,409 |
| Equity capital to assets | 15.4868% | 618 |
| Core capital (leverage) ratio | 15.2409% | 647 |
| Tier 1 risk-based capital ratio | 30.1212% | 473 |
| Total risk-based capital ratio | 31.3760% | 461 |
| Memoranda: | ||
| Average total assets | $560,898,500 | 1,267 |
| Average earning assets | $532,174,250 | 1,247 |
| Average equity | $85,386,000 | 973 |
| Average total loans | $179,201,500 | 2,351 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,839 |
| Cost of funding earning assets | 0.2265% | 4,880 |
| Net interest margin | 3.3301% | 4,162 |
| Noninterest income to average assets | 0.6476% | 2,102 |
| Noninterest expense to average assets | 2.0774% | 4,657 |
| Loan and lease loss provision to assets | 0.0488% | 2,939 |
| Net operating income to assets | 1.2691% | 1,903 |
| Return on assets (ROA) | 1.2691% | 1,903 |
| Pretax return on assets | 1.6807% | 1,268 |
| Return on Equity (ROE) | 8.3850% | 3,322 |
| Retained earnings to average equity (ytd only) | 2.4983% | 4,257 |
| Net charge-offs to loans | -0.5486% | 5,446 |
| Credit loss provision to net charge-offs | -28.1893% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5684% | 4,630 |
| Assets per employee ($millions) | 6.6332% | 1,115 |
| Cash dividends to net income (ytd only)* | 70.2050% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9167% | 160 |
| Loan loss allowance to noncurrent loans | 329.0241% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,562 |
| Noncurrent loans to loans | 0.8865% | 1,950 |
| Net loans and leases to total assets | 30.2944% | 5,319 |
| Net loans and leases to deposits | 36.7306% | 5,311 |
| Net loans and leases to core deposits | 38.7777% | 5,306 |
| Total domestic deposits to total assets | 82.4773% | 3,568 |
| Equity capital to assets | 14.9256% | 699 |
| Core capital (leverage) ratio | 15.4579% | 577 |
| Tier 1 risk-based capital ratio | 29.2233% | 507 |
| Total risk-based capital ratio | 30.4790% | 503 |
| Memoranda: | ||
| Average total assets | $561,183,330 | 1,266 |
| Average earning assets | $532,417,330 | 1,253 |
| Average equity | $84,937,000 | 977 |
| Average total loans | $177,163,330 | 2,375 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 4,792 |
| Cost of funding earning assets | 0.2221% | 4,882 |
| Net interest margin | 3.3287% | 4,111 |
| Noninterest income to average assets | 0.6459% | 2,049 |
| Noninterest expense to average assets | 2.0226% | 4,805 |
| Loan and lease loss provision to assets | 0.0985% | 1,875 |
| Net operating income to assets | 1.2839% | 1,703 |
| Return on assets (ROA) | 1.2839% | 1,707 |
| Pretax return on assets | 1.6939% | 1,132 |
| Return on Equity (ROE) | 8.4416% | 3,172 |
| Retained earnings to average equity (ytd only) | -3.3814% | 5,106 |
| Net charge-offs to loans | -0.4617% | 5,490 |
| Credit loss provision to net charge-offs | -67.1569% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0166% | 4,880 |
| Assets per employee ($millions) | 6.5762% | 1,164 |
| Cash dividends to net income (ytd only)* | 140.0560% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7915% | 193 |
| Loan loss allowance to noncurrent loans | 380.3253% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,785 |
| Noncurrent loans to loans | 0.7340% | 2,374 |
| Net loans and leases to total assets | 30.5874% | 5,353 |
| Net loans and leases to deposits | 36.8467% | 5,341 |
| Net loans and leases to core deposits | 38.7776% | 5,338 |
| Total domestic deposits to total assets | 83.0127% | 3,662 |
| Equity capital to assets | 14.8592% | 705 |
| Core capital (leverage) ratio | 14.8291% | 680 |
| Tier 1 risk-based capital ratio | 31.5243% | 422 |
| Total risk-based capital ratio | 32.7879% | 412 |
| Memoranda: | ||
| Average total assets | $556,113,000 | 1,287 |
| Average earning assets | $529,452,500 | 1,266 |
| Average equity | $84,581,500 | 987 |
| Average total loans | $176,741,000 | 2,396 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,730 |
| Cost of funding earning assets | 0.2237% | 4,760 |
| Net interest margin | 3.3089% | 4,133 |
| Noninterest income to average assets | 0.7786% | 1,646 |
| Noninterest expense to average assets | 1.9344% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2730% | 1,295 |
| Return on assets (ROA) | 1.2730% | 1,318 |
| Pretax return on assets | 1.9532% | 544 |
| Return on Equity (ROE) | 8.4642% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.4572% | 1,842 |
| Net charge-offs to loans | 0.0570% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 104.8252% | 628 |
| Efficiency ratio | 49.7580% | 5,229 |
| Assets per employee ($millions) | 6.6534% | 1,125 |
| Cash dividends to net income (ytd only)* | 35.5265% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5727% | 226 |
| Loan loss allowance to noncurrent loans | 398.6911% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 3,900 |
| Noncurrent loans to loans | 0.6453% | 2,611 |
| Net loans and leases to total assets | 31.3321% | 5,405 |
| Net loans and leases to deposits | 37.7726% | 5,399 |
| Net loans and leases to core deposits | 40.0508% | 5,385 |
| Total domestic deposits to total assets | 82.9493% | 3,579 |
| Equity capital to assets | 15.5006% | 588 |
| Core capital (leverage) ratio | 14.8314% | 652 |
| Tier 1 risk-based capital ratio | 32.2621% | 385 |
| Total risk-based capital ratio | 33.5197% | 383 |
| Memoranda: | ||
| Average total assets | $552,795,200 | 1,278 |
| Average earning assets | $519,381,000 | 1,260 |
| Average equity | $83,138,600 | 976 |
| Average total loans | $180,620,400 | 2,324 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,757 |
| Cost of funding earning assets | 0.2228% | 4,788 |
| Net interest margin | 3.3020% | 4,171 |
| Noninterest income to average assets | 0.8524% | 1,418 |
| Noninterest expense to average assets | 1.9826% | 4,989 |
| Loan and lease loss provision to assets | 0.0299% | 3,518 |
| Net operating income to assets | 1.3431% | 1,215 |
| Return on assets (ROA) | 1.3431% | 1,237 |
| Pretax return on assets | 1.9278% | 641 |
| Return on Equity (ROE) | 8.9992% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.9601% | 2,916 |
| Net charge-offs to loans | -0.3381% | 5,619 |
| Credit loss provision to net charge-offs | -26.9565% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3152% | 5,228 |
| Assets per employee ($millions) | 6.4944% | 1,185 |
| Cash dividends to net income (ytd only)* | 44.8833% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9765% | 157 |
| Loan loss allowance to noncurrent loans | 496.3173% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 4,096 |
| Noncurrent loans to loans | 0.5997% | 2,909 |
| Net loans and leases to total assets | 31.0362% | 5,474 |
| Net loans and leases to deposits | 37.7542% | 5,465 |
| Net loans and leases to core deposits | 39.8816% | 5,461 |
| Total domestic deposits to total assets | 82.2061% | 3,712 |
| Equity capital to assets | 15.3634% | 660 |
| Core capital (leverage) ratio | 14.7620% | 708 |
| Tier 1 risk-based capital ratio | 31.3048% | 433 |
| Total risk-based capital ratio | 32.5657% | 433 |
| Memoranda: | ||
| Average total assets | $552,936,750 | 1,289 |
| Average earning assets | $517,090,500 | 1,276 |
| Average equity | $82,523,500 | 988 |
| Average total loans | $181,377,000 | 2,319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,774 |
| Cost of funding earning assets | 0.2186% | 4,811 |
| Net interest margin | 3.2778% | 4,182 |
| Noninterest income to average assets | 0.6323% | 2,305 |
| Noninterest expense to average assets | 1.9655% | 5,048 |
| Loan and lease loss provision to assets | 0.0296% | 3,404 |
| Net operating income to assets | 1.2711% | 1,373 |
| Return on assets (ROA) | 1.2711% | 1,400 |
| Pretax return on assets | 1.7157% | 1,021 |
| Return on Equity (ROE) | 8.6006% | 2,720 |
| Retained earnings to average equity (ytd only) | 2.4853% | 4,201 |
| Net charge-offs to loans | -0.4558% | 5,686 |
| Credit loss provision to net charge-offs | -19.6643% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9664% | 5,098 |
| Assets per employee ($millions) | 6.4968% | 1,159 |
| Cash dividends to net income (ytd only)* | 71.1035% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8850% | 177 |
| Loan loss allowance to noncurrent loans | 913.6042% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 4,574 |
| Noncurrent loans to loans | 0.3158% | 3,909 |
| Net loans and leases to total assets | 31.1546% | 5,521 |
| Net loans and leases to deposits | 37.8996% | 5,508 |
| Net loans and leases to core deposits | 40.1850% | 5,494 |
| Total domestic deposits to total assets | 82.2031% | 3,828 |
| Equity capital to assets | 14.8398% | 728 |
| Core capital (leverage) ratio | 14.7024% | 697 |
| Tier 1 risk-based capital ratio | 29.5707% | 485 |
| Total risk-based capital ratio | 30.8278% | 476 |
| Memoranda: | ||
| Average total assets | $553,240,330 | 1,296 |
| Average earning assets | $519,617,670 | 1,277 |
| Average equity | $81,761,330 | 999 |
| Average total loans | $182,974,670 | 2,317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4637% | 4,789 |
| Cost of funding earning assets | 0.2154% | 4,840 |
| Net interest margin | 3.2484% | 4,187 |
| Noninterest income to average assets | 0.6489% | 2,183 |
| Noninterest expense to average assets | 1.8681% | 5,284 |
| Loan and lease loss provision to assets | 0.0291% | 3,187 |
| Net operating income to assets | 1.3406% | 1,135 |
| Return on assets (ROA) | 1.3406% | 1,169 |
| Pretax return on assets | 1.7984% | 808 |
| Return on Equity (ROE) | 9.0903% | 2,369 |
| Retained earnings to average equity (ytd only) | -3.2272% | 5,273 |
| Net charge-offs to loans | -0.7899% | 5,772 |
| Credit loss provision to net charge-offs | -10.9589% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5505% | 5,344 |
| Assets per employee ($millions) | 6.4859% | 1,196 |
| Cash dividends to net income (ytd only)* | 135.5014% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7940% | 223 |
| Loan loss allowance to noncurrent loans | 1,361.1260% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 4,806 |
| Noncurrent loans to loans | 0.2053% | 4,381 |
| Net loans and leases to total assets | 31.6673% | 5,550 |
| Net loans and leases to deposits | 38.2003% | 5,519 |
| Net loans and leases to core deposits | 40.6048% | 5,504 |
| Total domestic deposits to total assets | 82.8981% | 3,880 |
| Equity capital to assets | 14.5056% | 755 |
| Core capital (leverage) ratio | 14.6253% | 684 |
| Tier 1 risk-based capital ratio | 30.2759% | 467 |
| Total risk-based capital ratio | 31.5336% | 464 |
| Memoranda: | ||
| Average total assets | $550,497,500 | 1,305 |
| Average earning assets | $516,321,000 | 1,279 |
| Average equity | $81,185,000 | 1,002 |
| Average total loans | $184,842,000 | 2,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,820 |
| Cost of funding earning assets | 0.2226% | 4,805 |
| Net interest margin | 3.2620% | 4,257 |
| Noninterest income to average assets | 0.8042% | 1,734 |
| Noninterest expense to average assets | 2.0868% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2163% | 1,447 |
| Return on assets (ROA) | 1.2163% | 1,535 |
| Pretax return on assets | 1.7490% | 892 |
| Return on Equity (ROE) | 8.1348% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.1348% | 807 |
| Net charge-offs to loans | -0.1306% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4241% | 5,289 |
| Assets per employee ($millions) | 6.4695% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4831% | 319 |
| Loan loss allowance to noncurrent loans | 633.9213% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,581 |
| Noncurrent loans to loans | 0.3917% | 3,743 |
| Net loans and leases to total assets | 33.7628% | 5,553 |
| Net loans and leases to deposits | 40.9490% | 5,522 |
| Net loans and leases to core deposits | 43.5836% | 5,498 |
| Total domestic deposits to total assets | 82.4510% | 3,948 |
| Equity capital to assets | 15.0321% | 640 |
| Core capital (leverage) ratio | 15.0070% | 600 |
| Tier 1 risk-based capital ratio | 30.7023% | 452 |
| Total risk-based capital ratio | 31.9583% | 450 |
| Memoranda: | ||
| Average total assets | $532,586,200 | 1,296 |
| Average earning assets | $494,978,000 | 1,284 |
| Average equity | $79,633,000 | 993 |
| Average total loans | $184,540,000 | 2,268 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,730 |
| Cost of funding earning assets | 0.2230% | 4,852 |
| Net interest margin | 3.3086% | 4,161 |
| Noninterest income to average assets | 0.8150% | 1,699 |
| Noninterest expense to average assets | 2.1406% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1909% | 1,667 |
| Return on assets (ROA) | 1.1909% | 1,764 |
| Pretax return on assets | 1.7501% | 1,002 |
| Return on Equity (ROE) | 7.9760% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.9760% | 1,185 |
| Net charge-offs to loans | -0.2890% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7123% | 5,261 |
| Assets per employee ($millions) | 6.6294% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 300 |
| Loan loss allowance to noncurrent loans | 1,537.8981% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,989 |
| Noncurrent loans to loans | 0.1680% | 4,686 |
| Net loans and leases to total assets | 33.9072% | 5,625 |
| Net loans and leases to deposits | 41.6229% | 5,593 |
| Net loans and leases to core deposits | 44.3667% | 5,571 |
| Total domestic deposits to total assets | 81.4628% | 4,115 |
| Equity capital to assets | 15.2987% | 672 |
| Core capital (leverage) ratio | 14.8783% | 658 |
| Tier 1 risk-based capital ratio | 26.6916% | 665 |
| Total risk-based capital ratio | 27.9461% | 648 |
| Memoranda: | ||
| Average total assets | $529,873,250 | 1,310 |
| Average earning assets | $492,565,500 | 1,290 |
| Average equity | $79,118,750 | 1,005 |
| Average total loans | $183,637,000 | 2,279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 4,631 |
| Cost of funding earning assets | 0.2245% | 4,890 |
| Net interest margin | 3.3627% | 4,014 |
| Noninterest income to average assets | 0.8409% | 1,581 |
| Noninterest expense to average assets | 2.1511% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2810% | 1,333 |
| Return on assets (ROA) | 1.2810% | 1,439 |
| Pretax return on assets | 1.7966% | 888 |
| Return on Equity (ROE) | 8.6705% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.6705% | 945 |
| Net charge-offs to loans | -0.1435% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4896% | 5,272 |
| Assets per employee ($millions) | 6.1580% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 374 |
| Loan loss allowance to noncurrent loans | 794.7735% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,706 |
| Noncurrent loans to loans | 0.3114% | 4,248 |
| Net loans and leases to total assets | 33.9446% | 5,679 |
| Net loans and leases to deposits | 41.8273% | 5,628 |
| Net loans and leases to core deposits | 44.6162% | 5,609 |
| Total domestic deposits to total assets | 81.1543% | 4,229 |
| Equity capital to assets | 15.1880% | 696 |
| Core capital (leverage) ratio | 14.6788% | 672 |
| Tier 1 risk-based capital ratio | 31.2161% | 448 |
| Total risk-based capital ratio | 32.4731% | 443 |
| Memoranda: | ||
| Average total assets | $527,542,330 | 1,316 |
| Average earning assets | $487,407,330 | 1,309 |
| Average equity | $77,942,000 | 1,021 |
| Average total loans | $182,548,000 | 2,292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,393 |
| Cost of funding earning assets | 0.2274% | 4,931 |
| Net interest margin | 3.4522% | 3,660 |
| Noninterest income to average assets | 0.8167% | 1,569 |
| Noninterest expense to average assets | 2.1279% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3819% | 1,074 |
| Return on assets (ROA) | 1.3819% | 1,130 |
| Pretax return on assets | 1.8377% | 790 |
| Return on Equity (ROE) | 9.4868% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.4868% | 980 |
| Net charge-offs to loans | -0.4360% | 5,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6590% | 5,414 |
| Assets per employee ($millions) | 6.1421% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5027% | 387 |
| Loan loss allowance to noncurrent loans | 598.0620% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 4,354 |
| Noncurrent loans to loans | 0.4185% | 3,941 |
| Net loans and leases to total assets | 34.1389% | 5,710 |
| Net loans and leases to deposits | 41.5581% | 5,667 |
| Net loans and leases to core deposits | 44.3675% | 5,648 |
| Total domestic deposits to total assets | 82.1475% | 4,174 |
| Equity capital to assets | 14.7655% | 752 |
| Core capital (leverage) ratio | 14.5577% | 685 |
| Tier 1 risk-based capital ratio | 29.5248% | 524 |
| Total risk-based capital ratio | 30.7814% | 516 |
| Memoranda: | ||
| Average total assets | $526,519,000 | 1,324 |
| Average earning assets | $480,278,500 | 1,322 |
| Average equity | $76,696,000 | 1,041 |
| Average total loans | $181,657,500 | 2,295 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 4,411 |
| Cost of funding earning assets | 0.2304% | 5,008 |
| Net interest margin | 3.4557% | 3,694 |
| Noninterest income to average assets | 1.0615% | 1,045 |
| Noninterest expense to average assets | 2.1926% | 5,059 |
| Loan and lease loss provision to assets | 0.0816% | 2,660 |
| Net operating income to assets | 1.4145% | 1,014 |
| Return on assets (ROA) | 1.4145% | 1,050 |
| Pretax return on assets | 2.0441% | 492 |
| Return on Equity (ROE) | 9.6192% | 2,167 |
| Retained earnings to average equity (ytd only) | 6.2359% | 1,685 |
| Net charge-offs to loans | 0.0899% | 2,536 |
| Credit loss provision to net charge-offs | 251.5337% | 1,147 |
| Earnings coverage of net charge-offs (x) | 65.5337% | 815 |
| Efficiency ratio | 49.7558% | 5,769 |
| Assets per employee ($millions) | 6.1025% | 1,317 |
| Cash dividends to net income (ytd only)* | 35.1716% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 404 |
| Loan loss allowance to noncurrent loans | 913.6082% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 4,589 |
| Noncurrent loans to loans | 0.2719% | 4,478 |
| Net loans and leases to total assets | 33.1403% | 5,802 |
| Net loans and leases to deposits | 39.8983% | 5,775 |
| Net loans and leases to core deposits | 42.5742% | 5,752 |
| Total domestic deposits to total assets | 83.0620% | 3,822 |
| Equity capital to assets | 14.3664% | 809 |
| Core capital (leverage) ratio | 14.6034% | 689 |
| Tier 1 risk-based capital ratio | 29.9663% | 504 |
| Total risk-based capital ratio | 31.2228% | 498 |
| Memoranda: | ||
| Average total assets | $502,516,000 | 1,339 |
| Average earning assets | $473,600,200 | 1,308 |
| Average equity | $73,894,200 | 1,033 |
| Average total loans | $181,377,800 | 2,224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,498 |
| Cost of funding earning assets | 0.2325% | 5,067 |
| Net interest margin | 3.4434% | 3,780 |
| Noninterest income to average assets | 1.2518% | 773 |
| Noninterest expense to average assets | 2.5553% | 4,031 |
| Loan and lease loss provision to assets | 0.1112% | 2,029 |
| Net operating income to assets | 1.2729% | 1,413 |
| Return on assets (ROA) | 1.2729% | 1,470 |
| Pretax return on assets | 1.8653% | 775 |
| Return on Equity (ROE) | 9.1349% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.1349% | 857 |
| Net charge-offs to loans | 0.0008% | 4,172 |
| Credit loss provision to net charge-offs | 41,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 7,308.0902% | 6 |
| Efficiency ratio | 56.3865% | 5,300 |
| Assets per employee ($millions) | 5.6845% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 393 |
| Loan loss allowance to noncurrent loans | 715.4206% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 4,615 |
| Noncurrent loans to loans | 0.3613% | 4,321 |
| Net loans and leases to total assets | 34.6023% | 5,836 |
| Net loans and leases to deposits | 41.7558% | 5,811 |
| Net loans and leases to core deposits | 44.8266% | 5,767 |
| Total domestic deposits to total assets | 82.8682% | 3,856 |
| Equity capital to assets | 14.1870% | 949 |
| Core capital (leverage) ratio | 13.7970% | 910 |
| Tier 1 risk-based capital ratio | 26.6679% | 718 |
| Total risk-based capital ratio | 27.9263% | 695 |
| Memoranda: | ||
| Average total assets | $491,773,750 | 1,374 |
| Average earning assets | $468,435,750 | 1,328 |
| Average equity | $68,526,750 | 1,117 |
| Average total loans | $177,319,500 | 2,278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 4,228 |
| Cost of funding earning assets | 0.2348% | 5,099 |
| Net interest margin | 3.5176% | 3,428 |
| Noninterest income to average assets | 0.9220% | 1,380 |
| Noninterest expense to average assets | 2.2059% | 5,100 |
| Loan and lease loss provision to assets | 0.1309% | 1,688 |
| Net operating income to assets | 1.2832% | 1,369 |
| Return on assets (ROA) | 1.2832% | 1,431 |
| Pretax return on assets | 1.9315% | 687 |
| Return on Equity (ROE) | 9.2656% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.2656% | 838 |
| Net charge-offs to loans | -0.0293% | 5,322 |
| Credit loss provision to net charge-offs | -1,230.7692% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6818% | 5,741 |
| Assets per employee ($millions) | 5.5603% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5576% | 458 |
| Loan loss allowance to noncurrent loans | 2,633.7209% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,965 |
| Noncurrent loans to loans | 0.0971% | 5,352 |
| Net loans and leases to total assets | 35.2718% | 5,851 |
| Net loans and leases to deposits | 42.0408% | 5,836 |
| Net loans and leases to core deposits | 44.8785% | 5,811 |
| Total domestic deposits to total assets | 83.8989% | 3,612 |
| Equity capital to assets | 14.0549% | 966 |
| Core capital (leverage) ratio | 13.8344% | 894 |
| Tier 1 risk-based capital ratio | 27.9990% | 638 |
| Total risk-based capital ratio | 29.2565% | 634 |
| Memoranda: | ||
| Average total assets | $488,952,000 | 1,392 |
| Average earning assets | $465,151,000 | 1,342 |
| Average equity | $67,712,670 | 1,135 |
| Average total loans | $177,197,000 | 2,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,569 |
| Cost of funding earning assets | 0.2347% | 5,169 |
| Net interest margin | 3.4044% | 3,828 |
| Noninterest income to average assets | 0.6702% | 2,306 |
| Noninterest expense to average assets | 2.0623% | 5,468 |
| Loan and lease loss provision to assets | 0.1882% | 1,002 |
| Net operating income to assets | 1.2922% | 1,301 |
| Return on assets (ROA) | 1.2922% | 1,382 |
| Pretax return on assets | 1.6482% | 1,159 |
| Return on Equity (ROE) | 9.4011% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.4011% | 1,068 |
| Net charge-offs to loans | -0.5936% | 6,265 |
| Credit loss provision to net charge-offs | -87.4525% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8967% | 5,753 |
| Assets per employee ($millions) | 5.6987% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 444 |
| Loan loss allowance to noncurrent loans | 714.0458% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 4,832 |
| Noncurrent loans to loans | 0.3683% | 4,485 |
| Net loans and leases to total assets | 34.9263% | 5,880 |
| Net loans and leases to deposits | 41.5082% | 5,860 |
| Net loans and leases to core deposits | 44.8838% | 5,801 |
| Total domestic deposits to total assets | 84.1431% | 3,763 |
| Equity capital to assets | 13.7532% | 1,071 |
| Core capital (leverage) ratio | 13.6243% | 932 |
| Tier 1 risk-based capital ratio | 27.0295% | 710 |
| Total risk-based capital ratio | 28.3030% | 693 |
| Memoranda: | ||
| Average total assets | $488,776,500 | 1,394 |
| Average earning assets | $463,522,500 | 1,352 |
| Average equity | $67,183,500 | 1,142 |
| Average total loans | $177,237,500 | 2,292 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,239 |
| Cost of funding earning assets | 0.2608% | 5,214 |
| Net interest margin | 3.6111% | 3,373 |
| Noninterest income to average assets | 0.6802% | 2,394 |
| Noninterest expense to average assets | 2.2761% | 5,168 |
| Loan and lease loss provision to assets | 0.2605% | 858 |
| Net operating income to assets | 1.1102% | 1,941 |
| Return on assets (ROA) | 1.1412% | 1,876 |
| Pretax return on assets | 1.5414% | 1,410 |
| Return on Equity (ROE) | 8.0952% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.9088% | 2,673 |
| Net charge-offs to loans | 0.3284% | 1,342 |
| Credit loss provision to net charge-offs | 214.5422% | 1,155 |
| Earnings coverage of net charge-offs (x) | 14.4973% | 2,158 |
| Efficiency ratio | 56.3938% | 5,632 |
| Assets per employee ($millions) | 5.6679% | 1,634 |
| Cash dividends to net income (ytd only)* | 39.3621% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 648 |
| Loan loss allowance to noncurrent loans | 588.4669% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 4,714 |
| Noncurrent loans to loans | 0.4025% | 4,434 |
| Net loans and leases to total assets | 35.7962% | 5,964 |
| Net loans and leases to deposits | 42.7181% | 5,940 |
| Net loans and leases to core deposits | 46.4037% | 5,873 |
| Total domestic deposits to total assets | 83.7964% | 3,806 |
| Equity capital to assets | 13.7371% | 1,054 |
| Core capital (leverage) ratio | 13.3761% | 1,006 |
| Tier 1 risk-based capital ratio | 18.0411% | 2,123 |
| Total risk-based capital ratio | 19.1922% | 2,122 |
| Memoranda: | ||
| Average total assets | $458,812,400 | 1,456 |
| Average earning assets | $426,381,400 | 1,433 |
| Average equity | $64,680,000 | 1,137 |
| Average total loans | $169,598,600 | 2,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 4,084 |
| Cost of funding earning assets | 0.2630% | 5,275 |
| Net interest margin | 3.6595% | 3,190 |
| Noninterest income to average assets | 0.6662% | 2,496 |
| Noninterest expense to average assets | 2.3957% | 4,842 |
| Loan and lease loss provision to assets | 0.2516% | 855 |
| Net operating income to assets | 1.0170% | 2,377 |
| Return on assets (ROA) | 1.0582% | 2,271 |
| Pretax return on assets | 1.4576% | 1,785 |
| Return on Equity (ROE) | 7.4560% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.4560% | 1,590 |
| Net charge-offs to loans | -0.3877% | 6,424 |
| Credit loss provision to net charge-offs | -175.2049% | 5,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1771% | 5,292 |
| Assets per employee ($millions) | 5.7086% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8251% | 430 |
| Loan loss allowance to noncurrent loans | 441.2455% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 4,366 |
| Noncurrent loans to loans | 0.6402% | 4,016 |
| Net loans and leases to total assets | 34.6577% | 6,088 |
| Net loans and leases to deposits | 41.2642% | 6,078 |
| Net loans and leases to core deposits | 44.9154% | 5,997 |
| Total domestic deposits to total assets | 83.9896% | 3,770 |
| Equity capital to assets | 13.6299% | 1,131 |
| Core capital (leverage) ratio | 13.5426% | 982 |
| Tier 1 risk-based capital ratio | 28.8552% | 591 |
| Total risk-based capital ratio | 30.1162% | 579 |
| Memoranda: | ||
| Average total assets | $453,073,250 | 1,476 |
| Average earning assets | $418,733,750 | 1,469 |
| Average equity | $64,304,750 | 1,148 |
| Average total loans | $167,838,500 | 2,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,248 |
| Cost of funding earning assets | 0.2645% | 5,340 |
| Net interest margin | 3.6096% | 3,325 |
| Noninterest income to average assets | 0.6036% | 2,799 |
| Noninterest expense to average assets | 2.3714% | 4,971 |
| Loan and lease loss provision to assets | 0.2238% | 1,032 |
| Net operating income to assets | 0.9752% | 2,436 |
| Return on assets (ROA) | 1.0394% | 2,233 |
| Pretax return on assets | 1.4020% | 1,882 |
| Return on Equity (ROE) | 7.2189% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.2189% | 1,658 |
| Net charge-offs to loans | -0.6297% | 6,534 |
| Credit loss provision to net charge-offs | -94.6463% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6428% | 5,203 |
| Assets per employee ($millions) | 5.5027% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6392% | 583 |
| Loan loss allowance to noncurrent loans | 448.7709% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 4,328 |
| Noncurrent loans to loans | 0.5881% | 4,258 |
| Net loans and leases to total assets | 35.1687% | 6,097 |
| Net loans and leases to deposits | 41.7332% | 6,078 |
| Net loans and leases to core deposits | 45.4893% | 6,015 |
| Total domestic deposits to total assets | 84.2702% | 3,825 |
| Equity capital to assets | 13.5553% | 1,137 |
| Core capital (leverage) ratio | 14.7936% | 639 |
| Tier 1 risk-based capital ratio | 27.6180% | 664 |
| Total risk-based capital ratio | 28.8684% | 652 |
| Memoranda: | ||
| Average total assets | $442,354,670 | 1,515 |
| Average earning assets | $405,253,670 | 1,511 |
| Average equity | $63,694,330 | 1,153 |
| Average total loans | $166,098,670 | 2,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,768 |
| Cost of funding earning assets | 0.2520% | 5,559 |
| Net interest margin | 3.4705% | 3,822 |
| Noninterest income to average assets | 0.6224% | 2,609 |
| Noninterest expense to average assets | 2.4104% | 4,898 |
| Loan and lease loss provision to assets | 0.2971% | 654 |
| Net operating income to assets | 0.8412% | 2,946 |
| Return on assets (ROA) | 0.8412% | 3,018 |
| Pretax return on assets | 1.1873% | 2,541 |
| Return on Equity (ROE) | 5.6550% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.6550% | 2,715 |
| Net charge-offs to loans | -0.1549% | 6,303 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8886% | 5,137 |
| Assets per employee ($millions) | 5.0211% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 903 |
| Loan loss allowance to noncurrent loans | 200.1020% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 3,530 |
| Noncurrent loans to loans | 1.2034% | 3,034 |
| Net loans and leases to total assets | 37.2625% | 5,998 |
| Net loans and leases to deposits | 45.0081% | 5,916 |
| Net loans and leases to core deposits | 49.3069% | 5,805 |
| Total domestic deposits to total assets | 82.7905% | 4,669 |
| Equity capital to assets | 14.8927% | 699 |
| Core capital (leverage) ratio | 14.6152% | 673 |
| Tier 1 risk-based capital ratio | 29.1131% | 568 |
| Total risk-based capital ratio | 30.3610% | 559 |
| Memoranda: | ||
| Average total assets | $424,164,000 | 1,580 |
| Average earning assets | $399,945,000 | 1,536 |
| Average equity | $63,094,500 | 1,161 |
| Average total loans | $162,683,500 | 2,424 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,892 |
| Cost of funding earning assets | 0.2777% | 5,782 |
| Net interest margin | 3.4981% | 3,919 |
| Noninterest income to average assets | 0.6144% | 3,002 |
| Noninterest expense to average assets | 2.1993% | 5,629 |
| Loan and lease loss provision to assets | 0.3905% | 771 |
| Net operating income to assets | 1.0143% | 2,267 |
| Return on assets (ROA) | 1.0143% | 2,330 |
| Pretax return on assets | 1.3177% | 2,083 |
| Return on Equity (ROE) | 7.1025% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.6685% | 2,834 |
| Net charge-offs to loans | 1.0214% | 559 |
| Credit loss provision to net charge-offs | 98.7112% | 2,516 |
| Earnings coverage of net charge-offs (x) | 4.3181% | 3,601 |
| Efficiency ratio | 56.2837% | 5,918 |
| Assets per employee ($millions) | 5.2692% | 1,886 |
| Cash dividends to net income (ytd only)* | 34.2700% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 1,197 |
| Loan loss allowance to noncurrent loans | 75.2547% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.8243% | 2,010 |
| Noncurrent loans to loans | 2.9013% | 1,208 |
| Net loans and leases to total assets | 37.6869% | 6,118 |
| Net loans and leases to deposits | 45.3469% | 6,055 |
| Net loans and leases to core deposits | 50.3135% | 5,913 |
| Total domestic deposits to total assets | 83.1079% | 4,512 |
| Equity capital to assets | 14.8572% | 697 |
| Core capital (leverage) ratio | 14.4250% | 706 |
| Tier 1 risk-based capital ratio | 19.4451% | 1,807 |
| Total risk-based capital ratio | 20.5501% | 1,801 |
| Memoranda: | ||
| Average total assets | $431,510,200 | 1,534 |
| Average earning assets | $406,218,600 | 1,493 |
| Average equity | $61,626,200 | 1,171 |
| Average total loans | $167,123,800 | 2,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 4,889 |
| Cost of funding earning assets | 0.2807% | 5,882 |
| Net interest margin | 3.5104% | 3,832 |
| Noninterest income to average assets | 0.6043% | 3,125 |
| Noninterest expense to average assets | 2.3314% | 5,242 |
| Loan and lease loss provision to assets | 0.4040% | 745 |
| Net operating income to assets | 0.8977% | 2,845 |
| Return on assets (ROA) | 0.8977% | 2,964 |
| Pretax return on assets | 1.1689% | 2,813 |
| Return on Equity (ROE) | 6.3476% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.3476% | 2,211 |
| Net charge-offs to loans | -0.1941% | 6,646 |
| Credit loss provision to net charge-offs | -536.7347% | 6,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7136% | 5,474 |
| Assets per employee ($millions) | 5.2557% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1270% | 482 |
| Loan loss allowance to noncurrent loans | 175.4362% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 2,838 |
| Noncurrent loans to loans | 1.7824% | 2,522 |
| Net loans and leases to total assets | 36.8614% | 6,232 |
| Net loans and leases to deposits | 44.4598% | 6,186 |
| Net loans and leases to core deposits | 50.0124% | 6,017 |
| Total domestic deposits to total assets | 82.9094% | 4,614 |
| Equity capital to assets | 14.5421% | 815 |
| Core capital (leverage) ratio | 14.2591% | 800 |
| Tier 1 risk-based capital ratio | 28.4553% | 598 |
| Total risk-based capital ratio | 29.7189% | 580 |
| Memoranda: | ||
| Average total assets | $434,004,250 | 1,535 |
| Average earning assets | $407,990,750 | 1,494 |
| Average equity | $61,375,750 | 1,182 |
| Average total loans | $168,302,500 | 2,329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,866 |
| Cost of funding earning assets | 0.2846% | 5,949 |
| Net interest margin | 3.5040% | 3,766 |
| Noninterest income to average assets | 0.6027% | 3,172 |
| Noninterest expense to average assets | 2.3103% | 5,341 |
| Loan and lease loss provision to assets | 0.4115% | 743 |
| Net operating income to assets | 0.9411% | 2,613 |
| Return on assets (ROA) | 0.9411% | 2,755 |
| Pretax return on assets | 1.1811% | 2,757 |
| Return on Equity (ROE) | 6.7177% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.7177% | 2,027 |
| Net charge-offs to loans | -0.1013% | 6,503 |
| Credit loss provision to net charge-offs | -1,040.6977% | 6,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1943% | 5,583 |
| Assets per employee ($millions) | 5.2651% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6867% | 799 |
| Loan loss allowance to noncurrent loans | 126.0809% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 2,531 |
| Noncurrent loans to loans | 2.1309% | 2,249 |
| Net loans and leases to total assets | 38.1634% | 6,170 |
| Net loans and leases to deposits | 45.7915% | 6,119 |
| Net loans and leases to core deposits | 51.4808% | 5,926 |
| Total domestic deposits to total assets | 83.3416% | 4,572 |
| Equity capital to assets | 14.3234% | 868 |
| Core capital (leverage) ratio | 14.0391% | 814 |
| Tier 1 risk-based capital ratio | 27.2621% | 672 |
| Total risk-based capital ratio | 28.5214% | 662 |
| Memoranda: | ||
| Average total assets | $435,016,000 | 1,532 |
| Average earning assets | $409,706,670 | 1,486 |
| Average equity | $60,943,670 | 1,194 |
| Average total loans | $169,740,330 | 2,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,514 |
| Cost of funding earning assets | 0.3086% | 5,907 |
| Net interest margin | 3.5808% | 3,341 |
| Noninterest income to average assets | 0.6733% | 2,735 |
| Noninterest expense to average assets | 2.4065% | 5,100 |
| Loan and lease loss provision to assets | 0.4351% | 675 |
| Net operating income to assets | 0.9344% | 2,499 |
| Return on assets (ROA) | 0.9344% | 2,642 |
| Pretax return on assets | 1.2010% | 2,572 |
| Return on Equity (ROE) | 6.7443% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.7443% | 2,285 |
| Net charge-offs to loans | -0.2989% | 6,779 |
| Credit loss provision to net charge-offs | -374.0157% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5287% | 5,654 |
| Assets per employee ($millions) | 5.3056% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4713% | 1,149 |
| Loan loss allowance to noncurrent loans | 235.7264% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 3,335 |
| Noncurrent loans to loans | 1.0484% | 4,046 |
| Net loans and leases to total assets | 37.8260% | 6,158 |
| Net loans and leases to deposits | 46.5270% | 6,021 |
| Net loans and leases to core deposits | 52.6891% | 5,770 |
| Total domestic deposits to total assets | 81.2991% | 5,420 |
| Equity capital to assets | 14.0054% | 1,023 |
| Core capital (leverage) ratio | 13.8648% | 834 |
| Tier 1 risk-based capital ratio | 26.4776% | 746 |
| Total risk-based capital ratio | 27.7389% | 737 |
| Memoranda: | ||
| Average total assets | $436,653,500 | 1,540 |
| Average earning assets | $410,857,500 | 1,494 |
| Average equity | $60,495,500 | 1,214 |
| Average total loans | $169,952,500 | 2,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 4,889 |
| Cost of funding earning assets | 0.4008% | 5,917 |
| Net interest margin | 3.7157% | 3,580 |
| Noninterest income to average assets | 0.5468% | 3,608 |
| Noninterest expense to average assets | 2.1771% | 5,973 |
| Loan and lease loss provision to assets | 0.6209% | 872 |
| Net operating income to assets | 0.9052% | 2,787 |
| Return on assets (ROA) | 0.9052% | 3,030 |
| Pretax return on assets | 1.1957% | 2,823 |
| Return on Equity (ROE) | 6.5567% | 3,880 |
| Retained earnings to average equity (ytd only) | 1.6899% | 5,012 |
| Net charge-offs to loans | 1.4860% | 605 |
| Credit loss provision to net charge-offs | 102.9186% | 2,918 |
| Earnings coverage of net charge-offs (x) | 3.0111% | 3,922 |
| Efficiency ratio | 54.5133% | 6,216 |
| Assets per employee ($millions) | 5.1558% | 2,040 |
| Cash dividends to net income (ytd only)* | 74.2257% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 1,808 |
| Loan loss allowance to noncurrent loans | 209.0217% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2908% | 3,495 |
| Noncurrent loans to loans | 0.9973% | 4,197 |
| Net loans and leases to total assets | 38.2435% | 6,283 |
| Net loans and leases to deposits | 46.3625% | 6,230 |
| Net loans and leases to core deposits | 53.7531% | 5,894 |
| Total domestic deposits to total assets | 82.4880% | 4,936 |
| Equity capital to assets | 13.7044% | 1,152 |
| Core capital (leverage) ratio | 13.3086% | 1,013 |
| Tier 1 risk-based capital ratio | 25.8393% | 783 |
| Total risk-based capital ratio | 27.0852% | 774 |
| Memoranda: | ||
| Average total assets | $431,635,600 | 1,529 |
| Average earning assets | $400,407,800 | 1,504 |
| Average equity | $59,588,000 | 1,193 |
| Average total loans | $175,229,800 | 2,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 5,032 |
| Cost of funding earning assets | 0.4188% | 5,997 |
| Net interest margin | 3.7226% | 3,691 |
| Noninterest income to average assets | 0.5426% | 3,653 |
| Noninterest expense to average assets | 2.3107% | 5,660 |
| Loan and lease loss provision to assets | 0.5442% | 1,080 |
| Net operating income to assets | 0.8927% | 3,019 |
| Return on assets (ROA) | 0.8927% | 3,255 |
| Pretax return on assets | 1.1299% | 3,235 |
| Return on Equity (ROE) | 6.4546% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,693 |
| Net charge-offs to loans | 1.1332% | 889 |
| Credit loss provision to net charge-offs | 117.1562% | 2,483 |
| Earnings coverage of net charge-offs (x) | 3.6041% | 3,580 |
| Efficiency ratio | 57.9877% | 5,792 |
| Assets per employee ($millions) | 4.7843% | 2,480 |
| Cash dividends to net income (ytd only)* | 52.1014% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2090% | 1,689 |
| Loan loss allowance to noncurrent loans | 130.7183% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 3,083 |
| Noncurrent loans to loans | 1.6899% | 3,260 |
| Net loans and leases to total assets | 38.1203% | 6,411 |
| Net loans and leases to deposits | 47.3214% | 6,297 |
| Net loans and leases to core deposits | 55.1459% | 5,952 |
| Total domestic deposits to total assets | 80.5562% | 5,494 |
| Equity capital to assets | 13.8987% | 1,195 |
| Core capital (leverage) ratio | 13.5883% | 984 |
| Tier 1 risk-based capital ratio | 26.1800% | 810 |
| Total risk-based capital ratio | 27.4306% | 792 |
| Memoranda: | ||
| Average total assets | $429,982,750 | 1,547 |
| Average earning assets | $397,593,500 | 1,532 |
| Average equity | $59,470,250 | 1,201 |
| Average total loans | $176,245,000 | 2,280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 4,921 |
| Cost of funding earning assets | 0.4342% | 6,073 |
| Net interest margin | 3.7743% | 3,481 |
| Noninterest income to average assets | 0.4904% | 3,982 |
| Noninterest expense to average assets | 2.3093% | 5,706 |
| Loan and lease loss provision to assets | 0.5465% | 1,128 |
| Net operating income to assets | 0.9346% | 2,743 |
| Return on assets (ROA) | 0.9346% | 3,005 |
| Pretax return on assets | 1.1098% | 3,271 |
| Return on Equity (ROE) | 6.7689% | 3,905 |
| Retained earnings to average equity (ytd only) | 1.6948% | 5,347 |
| Net charge-offs to loans | 0.6636% | 1,660 |
| Credit loss provision to net charge-offs | 197.6351% | 1,442 |
| Earnings coverage of net charge-offs (x) | 5.9899% | 2,721 |
| Efficiency ratio | 58.2332% | 5,841 |
| Assets per employee ($millions) | 4.7763% | 2,471 |
| Cash dividends to net income (ytd only)* | 74.9625% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3299% | 1,533 |
| Loan loss allowance to noncurrent loans | 109.4086% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8516% | 2,965 |
| Noncurrent loans to loans | 2.1295% | 2,791 |
| Net loans and leases to total assets | 39.2542% | 6,389 |
| Net loans and leases to deposits | 48.5023% | 6,280 |
| Net loans and leases to core deposits | 57.2373% | 5,839 |
| Total domestic deposits to total assets | 80.9326% | 5,489 |
| Equity capital to assets | 13.7288% | 1,206 |
| Core capital (leverage) ratio | 13.6621% | 913 |
| Tier 1 risk-based capital ratio | 25.3753% | 868 |
| Total risk-based capital ratio | 26.6312% | 850 |
| Memoranda: | ||
| Average total assets | $428,186,330 | 1,557 |
| Average earning assets | $394,244,000 | 1,542 |
| Average equity | $59,123,330 | 1,204 |
| Average total loans | $178,422,000 | 2,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 5,296 |
| Cost of funding earning assets | 0.4329% | 6,238 |
| Net interest margin | 3.7121% | 3,774 |
| Noninterest income to average assets | 0.5055% | 3,875 |
| Noninterest expense to average assets | 2.3852% | 5,524 |
| Loan and lease loss provision to assets | 0.5506% | 1,070 |
| Net operating income to assets | 0.8208% | 3,295 |
| Return on assets (ROA) | 0.8208% | 3,529 |
| Pretax return on assets | 0.9761% | 3,767 |
| Return on Equity (ROE) | 5.9270% | 4,331 |
| Retained earnings to average equity (ytd only) | -4.2686% | 6,528 |
| Net charge-offs to loans | 0.0621% | 3,876 |
| Credit loss provision to net charge-offs | 2,089.2857% | 147 |
| Earnings coverage of net charge-offs (x) | 57.9286% | 566 |
| Efficiency ratio | 60.9721% | 5,460 |
| Assets per employee ($millions) | 4.6504% | 2,732 |
| Cash dividends to net income (ytd only)* | 172.0183% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 1,754 |
| Loan loss allowance to noncurrent loans | 119.5100% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 2,996 |
| Noncurrent loans to loans | 1.8933% | 3,294 |
| Net loans and leases to total assets | 41.3287% | 6,244 |
| Net loans and leases to deposits | 50.0519% | 6,135 |
| Net loans and leases to core deposits | 58.3868% | 5,682 |
| Total domestic deposits to total assets | 82.5716% | 5,094 |
| Equity capital to assets | 13.7947% | 1,090 |
| Core capital (leverage) ratio | 13.3204% | 1,010 |
| Tier 1 risk-based capital ratio | 24.5856% | 943 |
| Total risk-based capital ratio | 25.8415% | 928 |
| Memoranda: | ||
| Average total assets | $424,956,000 | 1,565 |
| Average earning assets | $389,968,500 | 1,558 |
| Average equity | $58,849,000 | 1,208 |
| Average total loans | $180,289,500 | 2,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 5,407 |
| Cost of funding earning assets | 0.6241% | 5,966 |
| Net interest margin | 3.7801% | 3,924 |
| Noninterest income to average assets | 0.5911% | 3,212 |
| Noninterest expense to average assets | 2.0606% | 6,563 |
| Loan and lease loss provision to assets | 1.0499% | 879 |
| Net operating income to assets | 0.7783% | 3,143 |
| Return on assets (ROA) | 0.7783% | 3,304 |
| Pretax return on assets | 1.0311% | 3,118 |
| Return on Equity (ROE) | 6.3347% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.5134% | 4,440 |
| Net charge-offs to loans | 2.5402% | 456 |
| Credit loss provision to net charge-offs | 100.9852% | 3,449 |
| Earnings coverage of net charge-offs (x) | 2.0016% | 4,281 |
| Efficiency ratio | 48.2069% | 6,937 |
| Assets per employee ($millions) | 4.7414% | 2,529 |
| Cash dividends to net income (ytd only)* | 60.3236% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 2,499 |
| Loan loss allowance to noncurrent loans | 129.1898% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 3,092 |
| Noncurrent loans to loans | 1.4882% | 3,916 |
| Net loans and leases to total assets | 41.7459% | 6,406 |
| Net loans and leases to deposits | 52.1947% | 6,192 |
| Net loans and leases to core deposits | 61.5714% | 5,695 |
| Total domestic deposits to total assets | 79.9812% | 5,749 |
| Equity capital to assets | 13.9013% | 1,100 |
| Core capital (leverage) ratio | 12.4053% | 1,389 |
| Tier 1 risk-based capital ratio | 22.7796% | 1,122 |
| Total risk-based capital ratio | 24.0347% | 1,103 |
| Memoranda: | ||
| Average total assets | $468,610,400 | 1,408 |
| Average earning assets | $440,143,600 | 1,377 |
| Average equity | $57,572,200 | 1,180 |
| Average total loans | $191,793,000 | 2,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 5,797 |
| Cost of funding earning assets | 0.6450% | 6,057 |
| Net interest margin | 3.6989% | 4,340 |
| Noninterest income to average assets | 0.5538% | 3,488 |
| Noninterest expense to average assets | 2.0973% | 6,504 |
| Loan and lease loss provision to assets | 0.5753% | 1,708 |
| Net operating income to assets | 0.9429% | 2,560 |
| Return on assets (ROA) | 0.9429% | 2,719 |
| Pretax return on assets | 1.3687% | 2,048 |
| Return on Equity (ROE) | 7.9062% | 3,074 |
| Retained earnings to average equity (ytd only) | 2.7723% | 4,706 |
| Net charge-offs to loans | 0.6703% | 2,237 |
| Credit loss provision to net charge-offs | 211.5660% | 1,372 |
| Earnings coverage of net charge-offs (x) | 7.1495% | 2,415 |
| Efficiency ratio | 51.8973% | 6,686 |
| Assets per employee ($millions) | 5.2619% | 1,859 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3872% | 1,551 |
| Loan loss allowance to noncurrent loans | 105.0266% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9637% | 3,189 |
| Noncurrent loans to loans | 2.2730% | 3,030 |
| Net loans and leases to total assets | 39.5880% | 6,668 |
| Net loans and leases to deposits | 48.9538% | 6,566 |
| Net loans and leases to core deposits | 56.2671% | 6,295 |
| Total domestic deposits to total assets | 80.8681% | 5,475 |
| Equity capital to assets | 12.6286% | 1,834 |
| Core capital (leverage) ratio | 12.1662% | 1,611 |
| Tier 1 risk-based capital ratio | 22.9520% | 1,156 |
| Total risk-based capital ratio | 24.1840% | 1,135 |
| Memoranda: | ||
| Average total assets | $479,080,750 | 1,395 |
| Average earning assets | $451,688,250 | 1,356 |
| Average equity | $57,135,000 | 1,188 |
| Average total loans | $194,332,750 | 2,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 6,050 |
| Cost of funding earning assets | 0.6817% | 6,061 |
| Net interest margin | 3.6082% | 4,696 |
| Noninterest income to average assets | 0.5681% | 3,348 |
| Noninterest expense to average assets | 2.0424% | 6,708 |
| Loan and lease loss provision to assets | 0.6108% | 1,568 |
| Net operating income to assets | 0.8963% | 2,652 |
| Return on assets (ROA) | 0.8963% | 2,762 |
| Pretax return on assets | 1.3189% | 2,080 |
| Return on Equity (ROE) | 7.6612% | 3,116 |
| Retained earnings to average equity (ytd only) | -0.1311% | 5,863 |
| Net charge-offs to loans | 0.9213% | 1,688 |
| Credit loss provision to net charge-offs | 163.4146% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.1630% | 2,676 |
| Efficiency ratio | 51.4187% | 6,835 |
| Assets per employee ($millions) | 5.0287% | 2,085 |
| Cash dividends to net income (ytd only)* | 101.7106% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 2,148 |
| Loan loss allowance to noncurrent loans | 111.0619% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.8750% | 3,398 |
| Noncurrent loans to loans | 1.8775% | 3,643 |
| Net loans and leases to total assets | 39.8938% | 6,756 |
| Net loans and leases to deposits | 49.1506% | 6,660 |
| Net loans and leases to core deposits | 55.4813% | 6,454 |
| Total domestic deposits to total assets | 81.1666% | 5,471 |
| Equity capital to assets | 12.1780% | 1,979 |
| Core capital (leverage) ratio | 11.7319% | 1,761 |
| Tier 1 risk-based capital ratio | 22.8594% | 1,142 |
| Total risk-based capital ratio | 24.0959% | 1,124 |
| Memoranda: | ||
| Average total assets | $482,670,670 | 1,392 |
| Average earning assets | $455,352,330 | 1,348 |
| Average equity | $56,466,330 | 1,183 |
| Average total loans | $195,800,670 | 2,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 6,197 |
| Cost of funding earning assets | 0.7150% | 6,055 |
| Net interest margin | 3.5177% | 4,927 |
| Noninterest income to average assets | 0.6012% | 3,154 |
| Noninterest expense to average assets | 1.9161% | 6,964 |
| Loan and lease loss provision to assets | 0.5209% | 1,669 |
| Net operating income to assets | 1.0753% | 1,930 |
| Return on assets (ROA) | 1.0753% | 1,978 |
| Pretax return on assets | 1.4937% | 1,467 |
| Return on Equity (ROE) | 9.3782% | 2,321 |
| Retained earnings to average equity (ytd only) | -6.3594% | 6,624 |
| Net charge-offs to loans | -0.0142% | 6,458 |
| Credit loss provision to net charge-offs | -9,071.4286% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7479% | 7,085 |
| Assets per employee ($millions) | 5.5820% | 1,507 |
| Cash dividends to net income (ytd only)* | 167.8108% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 2,206 |
| Loan loss allowance to noncurrent loans | 94.2343% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.7650% | 3,621 |
| Noncurrent loans to loans | 2.2194% | 3,295 |
| Net loans and leases to total assets | 39.8463% | 6,789 |
| Net loans and leases to deposits | 48.9309% | 6,695 |
| Net loans and leases to core deposits | 55.6688% | 6,441 |
| Total domestic deposits to total assets | 81.4338% | 5,522 |
| Equity capital to assets | 11.5585% | 2,219 |
| Core capital (leverage) ratio | 11.3537% | 1,930 |
| Tier 1 risk-based capital ratio | 22.2023% | 1,196 |
| Total risk-based capital ratio | 23.4567% | 1,169 |
| Memoranda: | ||
| Average total assets | $487,657,500 | 1,382 |
| Average earning assets | $461,548,000 | 1,337 |
| Average equity | $55,917,000 | 1,182 |
| Average total loans | $197,404,500 | 2,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 6,116 |
| Cost of funding earning assets | 0.9234% | 6,056 |
| Net interest margin | 3.6770% | 4,455 |
| Noninterest income to average assets | 0.5958% | 3,502 |
| Noninterest expense to average assets | 1.9531% | 7,094 |
| Loan and lease loss provision to assets | 0.6002% | 2,736 |
| Net operating income to assets | 1.0537% | 1,863 |
| Return on assets (ROA) | 1.0537% | 1,960 |
| Pretax return on assets | 1.5036% | 1,361 |
| Return on Equity (ROE) | 9.2434% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.2434% | 652 |
| Net charge-offs to loans | 1.2108% | 1,853 |
| Credit loss provision to net charge-offs | 115.1843% | 3,759 |
| Earnings coverage of net charge-offs (x) | 4.0373% | 3,094 |
| Efficiency ratio | 48.1422% | 7,258 |
| Assets per employee ($millions) | 5.2687% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 3,114 |
| Loan loss allowance to noncurrent loans | 137.5949% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 4,585 |
| Noncurrent loans to loans | 1.2550% | 4,618 |
| Net loans and leases to total assets | 39.5742% | 6,988 |
| Net loans and leases to deposits | 48.5918% | 6,920 |
| Net loans and leases to core deposits | 54.7443% | 6,770 |
| Total domestic deposits to total assets | 81.4421% | 5,373 |
| Equity capital to assets | 11.3773% | 2,355 |
| Core capital (leverage) ratio | 11.5989% | 1,781 |
| Tier 1 risk-based capital ratio | 22.1474% | 1,152 |
| Total risk-based capital ratio | 23.3811% | 1,125 |
| Memoranda: | ||
| Average total assets | $478,993,600 | 1,401 |
| Average earning assets | $450,852,600 | 1,353 |
| Average equity | $54,601,400 | 1,224 |
| Average total loans | $206,138,600 | 2,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 6,014 |
| Cost of funding earning assets | 0.9643% | 6,119 |
| Net interest margin | 3.7368% | 4,244 |
| Noninterest income to average assets | 0.6538% | 3,102 |
| Noninterest expense to average assets | 2.0800% | 6,890 |
| Loan and lease loss provision to assets | 0.5152% | 2,883 |
| Net operating income to assets | 1.0693% | 2,006 |
| Return on assets (ROA) | 1.0693% | 2,119 |
| Pretax return on assets | 1.5682% | 1,424 |
| Return on Equity (ROE) | 9.3761% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.3761% | 938 |
| Net charge-offs to loans | 0.2207% | 4,619 |
| Credit loss provision to net charge-offs | 533.4302% | 542 |
| Earnings coverage of net charge-offs (x) | 21.5725% | 1,127 |
| Efficiency ratio | 49.9595% | 7,156 |
| Assets per employee ($millions) | 5.4653% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2352% | 1,732 |
| Loan loss allowance to noncurrent loans | 147.8261% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 4,832 |
| Noncurrent loans to loans | 1.5120% | 4,366 |
| Net loans and leases to total assets | 40.9688% | 7,029 |
| Net loans and leases to deposits | 51.1926% | 6,932 |
| Net loans and leases to core deposits | 58.8666% | 6,678 |
| Total domestic deposits to total assets | 80.0287% | 5,703 |
| Equity capital to assets | 11.5963% | 2,456 |
| Core capital (leverage) ratio | 11.3045% | 2,062 |
| Tier 1 risk-based capital ratio | 22.4595% | 1,137 |
| Total risk-based capital ratio | 23.6901% | 1,112 |
| Memoranda: | ||
| Average total assets | $474,927,000 | 1,430 |
| Average earning assets | $446,042,500 | 1,384 |
| Average equity | $54,165,000 | 1,233 |
| Average total loans | $207,813,500 | 2,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 5,761 |
| Cost of funding earning assets | 0.9941% | 6,169 |
| Net interest margin | 3.8161% | 3,829 |
| Noninterest income to average assets | 0.5646% | 3,590 |
| Noninterest expense to average assets | 2.0624% | 6,991 |
| Loan and lease loss provision to assets | 0.4670% | 2,982 |
| Net operating income to assets | 1.1204% | 1,784 |
| Return on assets (ROA) | 1.1204% | 1,852 |
| Pretax return on assets | 1.6009% | 1,297 |
| Return on Equity (ROE) | 9.8806% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.8806% | 871 |
| Net charge-offs to loans | 0.0077% | 6,254 |
| Credit loss provision to net charge-offs | 13,750.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 608.8750% | 49 |
| Efficiency ratio | 49.9332% | 7,227 |
| Assets per employee ($millions) | 5.1859% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,227 |
| Loan loss allowance to noncurrent loans | 152.5505% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 4,234 |
| Noncurrent loans to loans | 1.2991% | 4,783 |
| Net loans and leases to total assets | 42.6311% | 7,000 |
| Net loans and leases to deposits | 53.1816% | 6,915 |
| Net loans and leases to core deposits | 60.3972% | 6,683 |
| Total domestic deposits to total assets | 80.1614% | 5,682 |
| Equity capital to assets | 11.4213% | 2,505 |
| Core capital (leverage) ratio | 11.2696% | 2,051 |
| Tier 1 risk-based capital ratio | 21.8290% | 1,234 |
| Total risk-based capital ratio | 23.0842% | 1,203 |
| Memoranda: | ||
| Average total assets | $471,098,670 | 1,447 |
| Average earning assets | $440,188,330 | 1,409 |
| Average equity | $53,418,000 | 1,246 |
| Average total loans | $209,140,330 | 2,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 5,525 |
| Cost of funding earning assets | 0.9883% | 6,427 |
| Net interest margin | 3.8994% | 3,328 |
| Noninterest income to average assets | 0.5723% | 3,475 |
| Noninterest expense to average assets | 2.0193% | 7,128 |
| Loan and lease loss provision to assets | 0.4984% | 2,509 |
| Net operating income to assets | 1.2039% | 1,530 |
| Return on assets (ROA) | 1.2039% | 1,608 |
| Pretax return on assets | 1.7229% | 1,015 |
| Return on Equity (ROE) | 10.6570% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.6570% | 999 |
| Net charge-offs to loans | -0.3601% | 7,768 |
| Credit loss provision to net charge-offs | -308.5106% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6190% | 7,468 |
| Assets per employee ($millions) | 5.0734% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 2,624 |
| Loan loss allowance to noncurrent loans | 127.8946% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 4,342 |
| Noncurrent loans to loans | 1.4351% | 4,585 |
| Net loans and leases to total assets | 43.9216% | 6,999 |
| Net loans and leases to deposits | 54.8161% | 6,865 |
| Net loans and leases to core deposits | 63.2489% | 6,509 |
| Total domestic deposits to total assets | 80.1254% | 5,741 |
| Equity capital to assets | 11.4579% | 2,394 |
| Core capital (leverage) ratio | 11.5035% | 1,909 |
| Tier 1 risk-based capital ratio | 21.1010% | 1,326 |
| Total risk-based capital ratio | 22.3542% | 1,301 |
| Memoranda: | ||
| Average total assets | $465,501,500 | 1,506 |
| Average earning assets | $437,915,000 | 1,453 |
| Average equity | $52,585,000 | 1,276 |
| Average total loans | $208,828,500 | 2,189 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 5,877 |
| Cost of funding earning assets | 1.3653% | 6,072 |
| Net interest margin | 3.7848% | 3,775 |
| Noninterest income to average assets | 0.5823% | 3,765 |
| Noninterest expense to average assets | 2.0858% | 7,212 |
| Loan and lease loss provision to assets | 0.6321% | 3,276 |
| Net operating income to assets | 0.9851% | 1,890 |
| Return on assets (ROA) | 0.9851% | 1,944 |
| Pretax return on assets | 1.4363% | 1,344 |
| Return on Equity (ROE) | 8.6747% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.7148% | 1,062 |
| Net charge-offs to loans | 1.1170% | 2,193 |
| Credit loss provision to net charge-offs | 117.7934% | 4,597 |
| Earnings coverage of net charge-offs (x) | 3.8544% | 3,171 |
| Efficiency ratio | 50.2090% | 7,527 |
| Assets per employee ($millions) | 5.0462% | 2,162 |
| Cash dividends to net income (ytd only)* | 22.5938% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 3,900 |
| Loan loss allowance to noncurrent loans | 117.3430% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 4,352 |
| Noncurrent loans to loans | 1.2508% | 4,856 |
| Net loans and leases to total assets | 44.3196% | 7,101 |
| Net loans and leases to deposits | 54.4611% | 7,020 |
| Net loans and leases to core deposits | 70.2940% | 6,755 |
| Total domestic deposits to total assets | 81.3784% | 5,203 |
| Equity capital to assets | 11.1341% | 2,596 |
| Core capital (leverage) ratio | 11.0101% | 2,219 |
| Tier 1 risk-based capital ratio | 19.6574% | 1,535 |
| Total risk-based capital ratio | 20.8155% | 1,508 |
| Memoranda: | ||
| Average total assets | $449,277,800 | 1,542 |
| Average earning assets | $424,016,800 | 1,488 |
| Average equity | $51,021,800 | 1,310 |
| Average total loans | $215,844,200 | 2,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 5,881 |
| Cost of funding earning assets | 1.4103% | 6,187 |
| Net interest margin | 3.7883% | 3,707 |
| Noninterest income to average assets | 0.5940% | 3,759 |
| Noninterest expense to average assets | 2.2013% | 6,970 |
| Loan and lease loss provision to assets | 0.5426% | 3,225 |
| Net operating income to assets | 1.0244% | 1,977 |
| Return on assets (ROA) | 1.0244% | 2,049 |
| Pretax return on assets | 1.4272% | 1,629 |
| Return on Equity (ROE) | 8.9744% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.9744% | 841 |
| Net charge-offs to loans | 0.3296% | 3,987 |
| Credit loss provision to net charge-offs | 336.9888% | 1,221 |
| Earnings coverage of net charge-offs (x) | 12.2341% | 1,784 |
| Efficiency ratio | 52.7766% | 7,348 |
| Assets per employee ($millions) | 4.8840% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,209 |
| Loan loss allowance to noncurrent loans | 61.9515% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.8787% | 3,542 |
| Noncurrent loans to loans | 2.9433% | 2,584 |
| Net loans and leases to total assets | 45.8675% | 7,119 |
| Net loans and leases to deposits | 57.8909% | 6,969 |
| Net loans and leases to core deposits | 77.9845% | 6,490 |
| Total domestic deposits to total assets | 79.2309% | 5,720 |
| Equity capital to assets | 11.4166% | 2,660 |
| Core capital (leverage) ratio | 11.2842% | 2,198 |
| Tier 1 risk-based capital ratio | 20.4140% | 1,473 |
| Total risk-based capital ratio | 21.6674% | 1,432 |
| Memoranda: | ||
| Average total assets | $445,534,500 | 1,568 |
| Average earning assets | $420,689,500 | 1,520 |
| Average equity | $50,854,750 | 1,330 |
| Average total loans | $217,600,500 | 2,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 5,535 |
| Cost of funding earning assets | 1.4812% | 6,213 |
| Net interest margin | 3.8422% | 3,364 |
| Noninterest income to average assets | 0.6122% | 3,584 |
| Noninterest expense to average assets | 2.2598% | 6,887 |
| Loan and lease loss provision to assets | 0.5379% | 2,879 |
| Net operating income to assets | 1.0199% | 2,037 |
| Return on assets (ROA) | 1.0199% | 2,125 |
| Pretax return on assets | 1.4426% | 1,613 |
| Return on Equity (ROE) | 8.9361% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.9361% | 960 |
| Net charge-offs to loans | 0.4244% | 3,103 |
| Credit loss provision to net charge-offs | 255.6034% | 1,821 |
| Earnings coverage of net charge-offs (x) | 9.4116% | 2,135 |
| Efficiency ratio | 53.2941% | 7,403 |
| Assets per employee ($millions) | 4.8160% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 2,944 |
| Loan loss allowance to noncurrent loans | 48.0332% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,300 |
| Noncurrent loans to loans | 3.2308% | 2,203 |
| Net loans and leases to total assets | 47.0570% | 7,121 |
| Net loans and leases to deposits | 56.0147% | 7,164 |
| Net loans and leases to core deposits | 72.5679% | 6,865 |
| Total domestic deposits to total assets | 84.0085% | 3,768 |
| Equity capital to assets | 11.2956% | 2,684 |
| Core capital (leverage) ratio | 10.9860% | 2,406 |
| Tier 1 risk-based capital ratio | 19.7360% | 1,626 |
| Total risk-based capital ratio | 20.9866% | 1,584 |
| Memoranda: | ||
| Average total assets | $441,014,000 | 1,606 |
| Average earning assets | $416,432,670 | 1,558 |
| Average equity | $50,335,330 | 1,362 |
| Average total loans | $218,638,330 | 2,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 5,328 |
| Cost of funding earning assets | 1.5618% | 6,193 |
| Net interest margin | 3.8554% | 3,228 |
| Noninterest income to average assets | 0.6103% | 3,477 |
| Noninterest expense to average assets | 2.0810% | 7,161 |
| Loan and lease loss provision to assets | 0.5138% | 2,411 |
| Net operating income to assets | 1.1903% | 1,684 |
| Return on assets (ROA) | 1.1903% | 1,793 |
| Pretax return on assets | 1.6665% | 1,252 |
| Return on Equity (ROE) | 10.3735% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.3735% | 1,102 |
| Net charge-offs to loans | 0.1820% | 3,546 |
| Credit loss provision to net charge-offs | 559.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 23.7200% | 1,267 |
| Efficiency ratio | 48.8352% | 7,679 |
| Assets per employee ($millions) | 4.9003% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 3,493 |
| Loan loss allowance to noncurrent loans | 43.9443% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 3,446 |
| Noncurrent loans to loans | 3.1883% | 2,031 |
| Net loans and leases to total assets | 47.2848% | 7,081 |
| Net loans and leases to deposits | 58.1982% | 7,023 |
| Net loans and leases to core deposits | 75.1283% | 6,738 |
| Total domestic deposits to total assets | 81.2479% | 4,869 |
| Equity capital to assets | 10.9254% | 3,035 |
| Core capital (leverage) ratio | 10.7066% | 2,734 |
| Tier 1 risk-based capital ratio | 18.9460% | 1,825 |
| Total risk-based capital ratio | 20.1213% | 1,797 |
| Memoranda: | ||
| Average total assets | $435,167,000 | 1,638 |
| Average earning assets | $412,096,500 | 1,579 |
| Average equity | $49,935,000 | 1,378 |
| Average total loans | $219,763,000 | 2,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 5,024 |
| Cost of funding earning assets | 2.0991% | 6,057 |
| Net interest margin | 4.0039% | 3,090 |
| Noninterest income to average assets | 0.6780% | 3,271 |
| Noninterest expense to average assets | 2.2430% | 6,855 |
| Loan and lease loss provision to assets | 0.3869% | 3,374 |
| Net operating income to assets | 1.2074% | 1,745 |
| Return on assets (ROA) | 1.2074% | 1,687 |
| Pretax return on assets | 1.8306% | 888 |
| Return on Equity (ROE) | 9.9432% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.8473% | 2,114 |
| Net charge-offs to loans | 0.7013% | 1,757 |
| Credit loss provision to net charge-offs | 100.3854% | 5,278 |
| Earnings coverage of net charge-offs (x) | 5.7540% | 3,547 |
| Efficiency ratio | 50.2858% | 7,645 |
| Assets per employee ($millions) | 4.3585% | 2,867 |
| Cash dividends to net income (ytd only)* | 51.2505% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,484 |
| Loan loss allowance to noncurrent loans | 69.7354% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 4,516 |
| Noncurrent loans to loans | 1.7290% | 3,173 |
| Net loans and leases to total assets | 52.7178% | 6,775 |
| Net loans and leases to deposits | 67.1851% | 6,535 |
| Net loans and leases to core deposits | 88.5729% | 5,926 |
| Total domestic deposits to total assets | 78.4665% | 5,558 |
| Equity capital to assets | 12.0927% | 2,236 |
| Core capital (leverage) ratio | 12.2084% | 1,878 |
| Tier 1 risk-based capital ratio | 19.3790% | 1,736 |
| Total risk-based capital ratio | 20.4302% | 1,731 |
| Memoranda: | ||
| Average total assets | $404,011,600 | 1,687 |
| Average earning assets | $381,681,200 | 1,631 |
| Average equity | $49,058,600 | 1,388 |
| Average total loans | $222,026,600 | 2,111 |