Home > Pike National Bank > Performance and Condition Ratios
Pike National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 2,930 |
| Cost of funding earning assets | 1.3879% | 2,258 |
| Net interest margin | 3.1955% | 2,887 |
| Noninterest income to average assets | 2.6600% | 204 |
| Noninterest expense to average assets | 3.2170% | 820 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.8401% | 577 |
| Return on assets (ROA) | 1.0595% | 2,007 |
| Pretax return on assets | 1.3476% | 1,746 |
| Return on Equity (ROE) | 11.8500% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.9256% | 2,622 |
| Net charge-offs to loans | 0.0467% | 1,410 |
| Credit loss provision to net charge-offs | 118.9873% | 1,683 |
| Earnings coverage of net charge-offs (x) | 107.6835% | 870 |
| Efficiency ratio | 57.6640% | 3,329 |
| Assets per employee ($millions) | 4.5418% | 3,926 |
| Cash dividends to net income (ytd only)* | 58.4382% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 1,815 |
| Loan loss allowance to noncurrent loans | 178.8880% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,145 |
| Noncurrent loans to loans | 0.7214% | 1,082 |
| Net loans and leases to total assets | 47.3200% | 3,764 |
| Net loans and leases to deposits | 53.4677% | 3,817 |
| Net loans and leases to core deposits | 61.4575% | 3,701 |
| Total domestic deposits to total assets | 88.5100% | 1,203 |
| Equity capital to assets | 10.0170% | 1,998 |
| Core capital (leverage) ratio | 11.9161% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3682% | 581 |
| Memoranda: | ||
| Average total assets | $360,184,800 | 2,158 |
| Average earning assets | $329,492,600 | 2,178 |
| Average equity | $32,199,400 | 2,176 |
| Average total loans | $169,101,000 | 2,531 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 3,048 |
| Cost of funding earning assets | 1.2539% | 2,272 |
| Net interest margin | 3.1723% | 2,982 |
| Noninterest income to average assets | 3.0100% | 196 |
| Noninterest expense to average assets | 3.1616% | 857 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.0584% | 466 |
| Return on assets (ROA) | 2.0584% | 458 |
| Pretax return on assets | 2.7392% | 299 |
| Return on Equity (ROE) | 23.7400% | 450 |
| Retained earnings to average equity (ytd only) | 23.7370% | 151 |
| Net charge-offs to loans | 0.0198% | 1,723 |
| Credit loss provision to net charge-offs | 80.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 297.0800% | 450 |
| Efficiency ratio | 53.5115% | 3,625 |
| Assets per employee ($millions) | 4.6658% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 1,958 |
| Loan loss allowance to noncurrent loans | 238.3532% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 1,458 |
| Noncurrent loans to loans | 0.5374% | 1,480 |
| Net loans and leases to total assets | 46.5900% | 3,804 |
| Net loans and leases to deposits | 51.9707% | 3,876 |
| Net loans and leases to core deposits | 60.3527% | 3,689 |
| Total domestic deposits to total assets | 89.6400% | 1,032 |
| Equity capital to assets | 9.2797% | 2,235 |
| Core capital (leverage) ratio | 13.1524% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9912% | 490 |
| Memoranda: | ||
| Average total assets | $360,531,250 | 2,160 |
| Average earning assets | $329,510,500 | 2,185 |
| Average equity | $31,264,000 | 2,198 |
| Average total loans | $168,371,500 | 2,540 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 2,982 |
| Cost of funding earning assets | 1.0817% | 2,349 |
| Net interest margin | 3.2780% | 2,804 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 2.9906% | 1,057 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8898% | 2,794 |
| Return on assets (ROA) | 0.8898% | 2,779 |
| Pretax return on assets | 1.1814% | 2,411 |
| Return on Equity (ROE) | 10.5100% | 2,553 |
| Retained earnings to average equity (ytd only) | 10.5101% | 1,276 |
| Net charge-offs to loans | 0.0203% | 1,481 |
| Credit loss provision to net charge-offs | 70.5882% | 1,590 |
| Earnings coverage of net charge-offs (x) | 125.5882% | 825 |
| Efficiency ratio | 71.5675% | 1,605 |
| Assets per employee ($millions) | 4.6324% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 1,866 |
| Loan loss allowance to noncurrent loans | 206.9614% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 1,460 |
| Noncurrent loans to loans | 0.6352% | 1,173 |
| Net loans and leases to total assets | 46.3000% | 3,779 |
| Net loans and leases to deposits | 51.1888% | 3,870 |
| Net loans and leases to core deposits | 58.1863% | 3,706 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 8.9249% | 2,570 |
| Core capital (leverage) ratio | 11.7488% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5867% | 589 |
| Memoranda: | ||
| Average total assets | $359,397,000 | 2,172 |
| Average earning assets | $328,556,000 | 2,196 |
| Average equity | $30,428,000 | 2,249 |
| Average total loans | $167,247,333 | 2,541 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 3,086 |
| Cost of funding earning assets | 0.9679% | 2,162 |
| Net interest margin | 3.2117% | 3,088 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.9062% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8627% | 2,982 |
| Return on assets (ROA) | 0.8627% | 2,928 |
| Pretax return on assets | 1.1410% | 2,596 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.4695% | 1,585 |
| Net charge-offs to loans | 0.0096% | 1,583 |
| Credit loss provision to net charge-offs | -25.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 416 |
| Efficiency ratio | 71.8279% | 1,548 |
| Assets per employee ($millions) | 4.7194% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 1,995 |
| Loan loss allowance to noncurrent loans | 124.1535% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,075 |
| Noncurrent loans to loans | 1.0537% | 688 |
| Net loans and leases to total assets | 44.5200% | 3,843 |
| Net loans and leases to deposits | 48.8813% | 3,933 |
| Net loans and leases to core deposits | 54.8175% | 3,803 |
| Total domestic deposits to total assets | 91.0700% | 779 |
| Equity capital to assets | 8.2982% | 3,039 |
| Core capital (leverage) ratio | 11.5124% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1345% | 644 |
| Memoranda: | ||
| Average total assets | $360,746,500 | 2,195 |
| Average earning assets | $329,796,000 | 2,216 |
| Average equity | $29,724,500 | 2,306 |
| Average total loans | $167,202,000 | 2,569 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 2,100 |
| Cost of funding earning assets | 0.4441% | 1,760 |
| Net interest margin | 3.4150% | 2,203 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 3.0180% | 945 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.0219% | 2,489 |
| Return on assets (ROA) | 1.0219% | 2,433 |
| Pretax return on assets | 1.3240% | 2,010 |
| Return on Equity (ROE) | 11.1200% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.4423% | 2,857 |
| Net charge-offs to loans | -0.0019% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6607% | 1,731 |
| Assets per employee ($millions) | 4.4135% | 4,086 |
| Cash dividends to net income (ytd only)* | 51.0783% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,005 |
| Loan loss allowance to noncurrent loans | 236.3229% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,581 |
| Noncurrent loans to loans | 0.6708% | 1,113 |
| Net loans and leases to total assets | 46.9200% | 3,740 |
| Net loans and leases to deposits | 51.7542% | 3,819 |
| Net loans and leases to core deposits | 57.9128% | 3,621 |
| Total domestic deposits to total assets | 90.6600% | 1,078 |
| Equity capital to assets | 8.1772% | 2,948 |
| Core capital (leverage) ratio | 11.5731% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8168% | 644 |
| Memoranda: | ||
| Average total assets | $344,862,200 | 2,246 |
| Average earning assets | $315,025,600 | 2,264 |
| Average equity | $31,677,800 | 2,262 |
| Average total loans | $159,255,200 | 2,542 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 1,838 |
| Cost of funding earning assets | 0.3500% | 1,702 |
| Net interest margin | 3.4203% | 1,917 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 3.0158% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0258% | 2,386 |
| Return on assets (ROA) | 1.0258% | 2,357 |
| Pretax return on assets | 1.3647% | 1,832 |
| Return on Equity (ROE) | 10.8700% | 2,434 |
| Retained earnings to average equity (ytd only) | 10.8653% | 1,092 |
| Net charge-offs to loans | 0.0051% | 1,989 |
| Credit loss provision to net charge-offs | -150.0000% | 4,652 |
| Earnings coverage of net charge-offs (x) | 585.1667% | 269 |
| Efficiency ratio | 68.9017% | 1,897 |
| Assets per employee ($millions) | 4.4554% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 954 |
| Loan loss allowance to noncurrent loans | 287.4187% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,882 |
| Noncurrent loans to loans | 0.5762% | 1,392 |
| Net loans and leases to total assets | 45.8700% | 3,771 |
| Net loans and leases to deposits | 50.3156% | 3,835 |
| Net loans and leases to core deposits | 53.1815% | 3,798 |
| Total domestic deposits to total assets | 91.1600% | 1,171 |
| Equity capital to assets | 8.0465% | 2,864 |
| Core capital (leverage) ratio | 11.8287% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6674% | 589 |
| Memoranda: | ||
| Average total assets | $343,912,000 | 2,264 |
| Average earning assets | $314,309,000 | 2,281 |
| Average equity | $32,469,500 | 2,256 |
| Average total loans | $157,511,250 | 2,563 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 1,641 |
| Cost of funding earning assets | 0.3424% | 1,344 |
| Net interest margin | 3.3213% | 1,847 |
| Noninterest income to average assets | 1.2731% | 441 |
| Noninterest expense to average assets | 2.9820% | 863 |
| Loan and lease loss provision to assets | -0.0023% | 4,371 |
| Net operating income to assets | 1.0058% | 2,131 |
| Return on assets (ROA) | 1.0058% | 2,103 |
| Pretax return on assets | 1.3370% | 1,622 |
| Return on Equity (ROE) | 10.1552% | 2,279 |
| Retained earnings to average equity (ytd only) | 10.1552% | 974 |
| Net charge-offs to loans | 0.0140% | 1,490 |
| Credit loss provision to net charge-offs | -36.3636% | 3,016 |
| Earnings coverage of net charge-offs (x) | 208.8182% | 529 |
| Efficiency ratio | 69.0806% | 2,091 |
| Assets per employee ($millions) | 4.4470% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 950 |
| Loan loss allowance to noncurrent loans | 321.6019% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 2,134 |
| Noncurrent loans to loans | 0.5300% | 1,564 |
| Net loans and leases to total assets | 44.0559% | 3,831 |
| Net loans and leases to deposits | 48.7686% | 3,879 |
| Net loans and leases to core deposits | 51.2575% | 3,859 |
| Total domestic deposits to total assets | 90.3366% | 1,558 |
| Equity capital to assets | 8.9522% | 2,411 |
| Core capital (leverage) ratio | 11.3868% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8541% | 549 |
| Memoranda: | ||
| Average total assets | $344,193,000 | 2,271 |
| Average earning assets | $315,416,333 | 2,298 |
| Average equity | $34,091,000 | 2,228 |
| Average total loans | $156,679,667 | 2,581 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 1,883 |
| Cost of funding earning assets | 0.3417% | 1,275 |
| Net interest margin | 3.1349% | 2,070 |
| Noninterest income to average assets | 1.1503% | 519 |
| Noninterest expense to average assets | 2.8537% | 1,055 |
| Loan and lease loss provision to assets | -0.0047% | 4,404 |
| Net operating income to assets | 0.8890% | 2,323 |
| Return on assets (ROA) | 0.8890% | 2,317 |
| Pretax return on assets | 1.1807% | 1,877 |
| Return on Equity (ROE) | 8.5593% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.5593% | 1,406 |
| Net charge-offs to loans | 0.0025% | 1,714 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | 1,008.0000% | 82 |
| Efficiency ratio | 70.8164% | 2,122 |
| Assets per employee ($millions) | 4.5928% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 1,053 |
| Loan loss allowance to noncurrent loans | 287.5676% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 2,089 |
| Noncurrent loans to loans | 0.5915% | 1,576 |
| Net loans and leases to total assets | 44.0390% | 3,732 |
| Net loans and leases to deposits | 49.1044% | 3,806 |
| Net loans and leases to core deposits | 51.6056% | 3,762 |
| Total domestic deposits to total assets | 89.6843% | 1,723 |
| Equity capital to assets | 9.5734% | 2,226 |
| Core capital (leverage) ratio | 11.3410% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7396% | 583 |
| Memoranda: | ||
| Average total assets | $342,856,500 | 2,289 |
| Average earning assets | $314,910,500 | 2,311 |
| Average equity | $35,610,500 | 2,234 |
| Average total loans | $157,287,000 | 2,575 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 963 |
| Cost of funding earning assets | 0.5205% | 842 |
| Net interest margin | 3.6996% | 1,213 |
| Noninterest income to average assets | 1.7337% | 381 |
| Noninterest expense to average assets | 3.2029% | 724 |
| Loan and lease loss provision to assets | 0.1018% | 1,234 |
| Net operating income to assets | 1.3873% | 1,321 |
| Return on assets (ROA) | 1.3880% | 1,373 |
| Pretax return on assets | 1.8130% | 890 |
| Return on Equity (ROE) | 11.4024% | 2,016 |
| Retained earnings to average equity (ytd only) | 3.8034% | 3,291 |
| Net charge-offs to loans | 0.0472% | 1,353 |
| Credit loss provision to net charge-offs | 418.1818% | 893 |
| Earnings coverage of net charge-offs (x) | 78.5974% | 1,009 |
| Efficiency ratio | 62.5958% | 2,778 |
| Assets per employee ($millions) | 4.1563% | 4,351 |
| Cash dividends to net income (ytd only)* | 66.6439% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,081 |
| Loan loss allowance to noncurrent loans | 168.1388% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 1,402 |
| Noncurrent loans to loans | 1.0019% | 984 |
| Net loans and leases to total assets | 46.1978% | 3,674 |
| Net loans and leases to deposits | 53.3785% | 3,639 |
| Net loans and leases to core deposits | 56.2766% | 3,597 |
| Total domestic deposits to total assets | 86.5476% | 2,691 |
| Equity capital to assets | 11.2294% | 1,646 |
| Core capital (leverage) ratio | 11.3489% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5392% | 595 |
| Memoranda: | ||
| Average total assets | $316,209,200 | 2,357 |
| Average earning assets | $289,164,800 | 2,381 |
| Average equity | $38,492,000 | 2,138 |
| Average total loans | $163,074,600 | 2,518 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 962 |
| Cost of funding earning assets | 0.5589% | 792 |
| Net interest margin | 3.7355% | 1,263 |
| Noninterest income to average assets | 1.9282% | 372 |
| Noninterest expense to average assets | 3.1938% | 720 |
| Loan and lease loss provision to assets | 0.1324% | 866 |
| Net operating income to assets | 1.5110% | 1,244 |
| Return on assets (ROA) | 1.5120% | 1,292 |
| Pretax return on assets | 2.0118% | 781 |
| Return on Equity (ROE) | 12.1661% | 1,994 |
| Retained earnings to average equity (ytd only) | 12.1661% | 804 |
| Net charge-offs to loans | 0.0519% | 1,139 |
| Credit loss provision to net charge-offs | 482.8125% | 772 |
| Earnings coverage of net charge-offs (x) | 78.1250% | 994 |
| Efficiency ratio | 59.8458% | 2,995 |
| Assets per employee ($millions) | 4.2369% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,110 |
| Loan loss allowance to noncurrent loans | 184.1742% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 1,736 |
| Noncurrent loans to loans | 0.9219% | 1,246 |
| Net loans and leases to total assets | 46.0988% | 3,784 |
| Net loans and leases to deposits | 53.3908% | 3,786 |
| Net loans and leases to core deposits | 56.4384% | 3,741 |
| Total domestic deposits to total assets | 86.3422% | 2,617 |
| Equity capital to assets | 12.0761% | 1,367 |
| Core capital (leverage) ratio | 11.9231% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2358% | 521 |
| Memoranda: | ||
| Average total assets | $311,096,250 | 2,408 |
| Average earning assets | $283,863,750 | 2,433 |
| Average equity | $38,663,750 | 2,154 |
| Average total loans | $164,294,500 | 2,552 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 1,325 |
| Cost of funding earning assets | 0.6181% | 676 |
| Net interest margin | 3.4919% | 1,877 |
| Noninterest income to average assets | 2.3402% | 270 |
| Noninterest expense to average assets | 3.1627% | 764 |
| Loan and lease loss provision to assets | 0.1933% | 580 |
| Net operating income to assets | 1.6223% | 1,003 |
| Return on assets (ROA) | 1.6239% | 1,056 |
| Pretax return on assets | 2.1608% | 622 |
| Return on Equity (ROE) | 12.9314% | 1,739 |
| Retained earnings to average equity (ytd only) | 12.9314% | 730 |
| Net charge-offs to loans | 0.0576% | 1,036 |
| Credit loss provision to net charge-offs | 610.4167% | 615 |
| Earnings coverage of net charge-offs (x) | 74.2917% | 874 |
| Efficiency ratio | 57.3496% | 3,359 |
| Assets per employee ($millions) | 3.9301% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 1,264 |
| Loan loss allowance to noncurrent loans | 162.4010% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 1,590 |
| Noncurrent loans to loans | 0.9866% | 1,250 |
| Net loans and leases to total assets | 52.0561% | 3,336 |
| Net loans and leases to deposits | 60.7950% | 3,319 |
| Net loans and leases to core deposits | 64.4571% | 3,249 |
| Total domestic deposits to total assets | 85.6255% | 2,865 |
| Equity capital to assets | 12.5546% | 1,109 |
| Core capital (leverage) ratio | 12.4503% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1099% | 535 |
| Memoranda: | ||
| Average total assets | $303,222,333 | 2,442 |
| Average earning assets | $275,667,667 | 2,473 |
| Average equity | $38,078,000 | 2,174 |
| Average total loans | $166,737,333 | 2,538 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 1,036 |
| Cost of funding earning assets | 0.6358% | 743 |
| Net interest margin | 3.6652% | 1,415 |
| Noninterest income to average assets | 1.1182% | 959 |
| Noninterest expense to average assets | 3.0615% | 890 |
| Loan and lease loss provision to assets | 0.3387% | 248 |
| Net operating income to assets | 0.7889% | 3,461 |
| Return on assets (ROA) | 0.7889% | 3,528 |
| Pretax return on assets | 1.0496% | 3,234 |
| Return on Equity (ROE) | 6.2813% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.2813% | 2,798 |
| Net charge-offs to loans | 0.1006% | 683 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 24.5952% | 1,172 |
| Efficiency ratio | 68.8010% | 1,834 |
| Assets per employee ($millions) | 3.9972% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,391 |
| Loan loss allowance to noncurrent loans | 168.6979% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 1,725 |
| Noncurrent loans to loans | 0.9256% | 1,461 |
| Net loans and leases to total assets | 53.8689% | 3,256 |
| Net loans and leases to deposits | 62.4621% | 3,280 |
| Net loans and leases to core deposits | 66.9299% | 3,160 |
| Total domestic deposits to total assets | 86.2425% | 2,653 |
| Equity capital to assets | 12.1184% | 1,235 |
| Core capital (leverage) ratio | 12.4948% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9032% | 591 |
| Memoranda: | ||
| Average total assets | $297,628,000 | 2,451 |
| Average earning assets | $270,546,500 | 2,490 |
| Average equity | $37,380,500 | 2,187 |
| Average total loans | $166,938,500 | 2,536 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 797 |
| Cost of funding earning assets | 0.8345% | 1,074 |
| Net interest margin | 3.9207% | 1,160 |
| Noninterest income to average assets | 1.1843% | 787 |
| Noninterest expense to average assets | 3.3774% | 812 |
| Loan and lease loss provision to assets | 0.1964% | 1,987 |
| Net operating income to assets | 0.9537% | 2,463 |
| Return on assets (ROA) | 0.9934% | 2,458 |
| Pretax return on assets | 1.2405% | 2,193 |
| Return on Equity (ROE) | 7.3815% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.7999% | 2,917 |
| Net charge-offs to loans | 0.0852% | 1,610 |
| Credit loss provision to net charge-offs | 382.1429% | 1,487 |
| Earnings coverage of net charge-offs (x) | 26.9929% | 1,696 |
| Efficiency ratio | 70.8837% | 1,828 |
| Assets per employee ($millions) | 3.6388% | 4,588 |
| Cash dividends to net income (ytd only)* | 48.5218% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,722 |
| Loan loss allowance to noncurrent loans | 154.2384% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 1,779 |
| Noncurrent loans to loans | 0.9484% | 1,492 |
| Net loans and leases to total assets | 56.7107% | 3,229 |
| Net loans and leases to deposits | 66.7747% | 3,205 |
| Net loans and leases to core deposits | 72.4974% | 3,029 |
| Total domestic deposits to total assets | 84.9284% | 2,792 |
| Equity capital to assets | 13.0317% | 1,074 |
| Core capital (leverage) ratio | 12.8003% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8655% | 597 |
| Memoranda: | ||
| Average total assets | $272,399,400 | 2,447 |
| Average earning assets | $248,758,800 | 2,473 |
| Average equity | $36,659,200 | 2,147 |
| Average total loans | $164,332,800 | 2,532 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 864 |
| Cost of funding earning assets | 0.8757% | 1,152 |
| Net interest margin | 3.9362% | 1,267 |
| Noninterest income to average assets | 1.0860% | 878 |
| Noninterest expense to average assets | 3.5041% | 702 |
| Loan and lease loss provision to assets | 0.1545% | 2,467 |
| Net operating income to assets | 0.7681% | 3,217 |
| Return on assets (ROA) | 0.8120% | 3,166 |
| Pretax return on assets | 1.0815% | 2,804 |
| Return on Equity (ROE) | 5.9829% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.9829% | 2,113 |
| Net charge-offs to loans | 0.0577% | 1,782 |
| Credit loss provision to net charge-offs | 438.0282% | 1,388 |
| Earnings coverage of net charge-offs (x) | 33.4930% | 1,500 |
| Efficiency ratio | 74.8040% | 1,325 |
| Assets per employee ($millions) | 3.6160% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,031 |
| Loan loss allowance to noncurrent loans | 158.0600% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 2,035 |
| Noncurrent loans to loans | 0.8424% | 1,746 |
| Net loans and leases to total assets | 59.5086% | 3,280 |
| Net loans and leases to deposits | 70.2190% | 3,295 |
| Net loans and leases to core deposits | 76.0946% | 3,159 |
| Total domestic deposits to total assets | 84.7471% | 2,529 |
| Equity capital to assets | 13.3571% | 1,050 |
| Core capital (leverage) ratio | 13.0495% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1098% | 509 |
| Memoranda: | ||
| Average total assets | $268,632,250 | 2,446 |
| Average earning assets | $245,580,500 | 2,478 |
| Average equity | $36,458,500 | 2,141 |
| Average total loans | $164,054,750 | 2,543 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 931 |
| Cost of funding earning assets | 0.9269% | 1,251 |
| Net interest margin | 4.0009% | 1,321 |
| Noninterest income to average assets | 1.1251% | 784 |
| Noninterest expense to average assets | 3.5970% | 654 |
| Loan and lease loss provision to assets | 0.1325% | 2,692 |
| Net operating income to assets | 0.7795% | 3,112 |
| Return on assets (ROA) | 0.8465% | 2,992 |
| Pretax return on assets | 1.1273% | 2,629 |
| Return on Equity (ROE) | 6.2019% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.2019% | 1,986 |
| Net charge-offs to loans | 0.0617% | 1,630 |
| Credit loss provision to net charge-offs | 350.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 31.0400% | 1,406 |
| Efficiency ratio | 75.3768% | 1,323 |
| Assets per employee ($millions) | 3.5523% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,172 |
| Loan loss allowance to noncurrent loans | 129.2844% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 1,839 |
| Noncurrent loans to loans | 0.9788% | 1,583 |
| Net loans and leases to total assets | 59.7755% | 3,354 |
| Net loans and leases to deposits | 70.4673% | 3,384 |
| Net loans and leases to core deposits | 77.0660% | 3,190 |
| Total domestic deposits to total assets | 84.8274% | 2,460 |
| Equity capital to assets | 13.2135% | 1,075 |
| Core capital (leverage) ratio | 13.2520% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2512% | 485 |
| Memoranda: | ||
| Average total assets | $264,161,333 | 2,448 |
| Average earning assets | $240,797,000 | 2,483 |
| Average equity | $36,053,667 | 2,157 |
| Average total loans | $162,037,667 | 2,547 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 523 |
| Cost of funding earning assets | 0.9876% | 1,476 |
| Net interest margin | 4.3419% | 701 |
| Noninterest income to average assets | 1.3269% | 510 |
| Noninterest expense to average assets | 3.8198% | 607 |
| Loan and lease loss provision to assets | 0.1000% | 2,433 |
| Net operating income to assets | 1.0206% | 2,112 |
| Return on assets (ROA) | 1.0206% | 2,214 |
| Pretax return on assets | 1.3582% | 1,696 |
| Return on Equity (ROE) | 7.3495% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.3495% | 1,423 |
| Net charge-offs to loans | 0.0354% | 1,703 |
| Credit loss provision to net charge-offs | 457.1429% | 929 |
| Earnings coverage of net charge-offs (x) | 66.6429% | 752 |
| Efficiency ratio | 72.3719% | 2,028 |
| Assets per employee ($millions) | 3.2251% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,146 |
| Loan loss allowance to noncurrent loans | 110.9626% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 1,678 |
| Noncurrent loans to loans | 1.1730% | 1,409 |
| Net loans and leases to total assets | 60.9835% | 3,401 |
| Net loans and leases to deposits | 72.3915% | 3,406 |
| Net loans and leases to core deposits | 79.6944% | 3,224 |
| Total domestic deposits to total assets | 84.2412% | 2,697 |
| Equity capital to assets | 13.9546% | 1,073 |
| Core capital (leverage) ratio | 14.0295% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7480% | 585 |
| Memoranda: | ||
| Average total assets | $255,927,000 | 2,460 |
| Average earning assets | $232,896,000 | 2,480 |
| Average equity | $35,540,000 | 2,171 |
| Average total loans | $158,107,500 | 2,561 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 766 |
| Cost of funding earning assets | 0.9183% | 2,122 |
| Net interest margin | 4.4177% | 862 |
| Noninterest income to average assets | 1.4089% | 481 |
| Noninterest expense to average assets | 3.7819% | 686 |
| Loan and lease loss provision to assets | 0.0675% | 2,665 |
| Net operating income to assets | 1.2069% | 2,031 |
| Return on assets (ROA) | 1.2116% | 2,106 |
| Pretax return on assets | 1.5765% | 1,559 |
| Return on Equity (ROE) | 8.9579% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.6443% | 2,622 |
| Net charge-offs to loans | 0.0895% | 1,841 |
| Credit loss provision to net charge-offs | 125.5474% | 2,034 |
| Earnings coverage of net charge-offs (x) | 30.4745% | 1,565 |
| Efficiency ratio | 69.7770% | 2,204 |
| Assets per employee ($millions) | 3.0957% | 4,768 |
| Cash dividends to net income (ytd only)* | 48.1541% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 1,964 |
| Loan loss allowance to noncurrent loans | 106.4669% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 1,347 |
| Noncurrent loans to loans | 1.2130% | 1,238 |
| Net loans and leases to total assets | 60.9711% | 3,506 |
| Net loans and leases to deposits | 71.9947% | 3,523 |
| Net loans and leases to core deposits | 79.8691% | 3,300 |
| Total domestic deposits to total assets | 84.6883% | 2,611 |
| Equity capital to assets | 13.8179% | 1,160 |
| Core capital (leverage) ratio | 13.7245% | 996 |
| Tier 1 risk-based capital ratio | 20.9685% | 1,171 |
| Total risk-based capital ratio | 22.1839% | 1,154 |
| Memoranda: | ||
| Average total assets | $254,871,800 | 2,429 |
| Average earning assets | $231,408,600 | 2,462 |
| Average equity | $34,472,400 | 2,169 |
| Average total loans | $153,106,600 | 2,586 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 823 |
| Cost of funding earning assets | 0.8810% | 2,315 |
| Net interest margin | 4.4414% | 866 |
| Noninterest income to average assets | 1.3640% | 492 |
| Noninterest expense to average assets | 3.8155% | 646 |
| Loan and lease loss provision to assets | 0.0345% | 3,210 |
| Net operating income to assets | 1.1603% | 2,330 |
| Return on assets (ROA) | 1.1664% | 2,398 |
| Pretax return on assets | 1.5526% | 1,804 |
| Return on Equity (ROE) | 8.6707% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.6707% | 1,143 |
| Net charge-offs to loans | 0.0534% | 2,071 |
| Credit loss provision to net charge-offs | 108.1967% | 2,117 |
| Earnings coverage of net charge-offs (x) | 49.5417% | 1,204 |
| Efficiency ratio | 70.7256% | 2,015 |
| Assets per employee ($millions) | 3.2464% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,097 |
| Loan loss allowance to noncurrent loans | 100.1506% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 1,213 |
| Noncurrent loans to loans | 1.2718% | 1,227 |
| Net loans and leases to total assets | 60.2928% | 3,653 |
| Net loans and leases to deposits | 70.9650% | 3,694 |
| Net loans and leases to core deposits | 78.4832% | 3,512 |
| Total domestic deposits to total assets | 84.9613% | 2,439 |
| Equity capital to assets | 13.9836% | 1,163 |
| Core capital (leverage) ratio | 13.9850% | 988 |
| Tier 1 risk-based capital ratio | 21.8567% | 1,087 |
| Total risk-based capital ratio | 23.0828% | 1,066 |
| Memoranda: | ||
| Average total assets | $255,128,500 | 2,445 |
| Average earning assets | $231,542,000 | 2,485 |
| Average equity | $34,321,500 | 2,188 |
| Average total loans | $152,184,000 | 2,627 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 913 |
| Cost of funding earning assets | 0.8256% | 2,520 |
| Net interest margin | 4.4129% | 923 |
| Noninterest income to average assets | 1.3774% | 460 |
| Noninterest expense to average assets | 3.8456% | 635 |
| Loan and lease loss provision to assets | 0.0275% | 3,270 |
| Net operating income to assets | 1.1309% | 2,400 |
| Return on assets (ROA) | 1.1402% | 2,445 |
| Pretax return on assets | 1.5203% | 1,794 |
| Return on Equity (ROE) | 8.5898% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.5898% | 1,170 |
| Net charge-offs to loans | 0.0664% | 1,708 |
| Credit loss provision to net charge-offs | 70.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 39.1200% | 1,262 |
| Efficiency ratio | 71.4578% | 1,995 |
| Assets per employee ($millions) | 3.2505% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,102 |
| Loan loss allowance to noncurrent loans | 115.9718% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 1,383 |
| Noncurrent loans to loans | 1.1033% | 1,482 |
| Net loans and leases to total assets | 59.3380% | 3,800 |
| Net loans and leases to deposits | 69.3934% | 3,891 |
| Net loans and leases to core deposits | 76.3110% | 3,701 |
| Total domestic deposits to total assets | 85.5096% | 2,260 |
| Equity capital to assets | 13.6458% | 1,267 |
| Core capital (leverage) ratio | 13.4995% | 1,118 |
| Tier 1 risk-based capital ratio | 20.9879% | 1,176 |
| Total risk-based capital ratio | 22.1802% | 1,170 |
| Memoranda: | ||
| Average total assets | $254,683,000 | 2,456 |
| Average earning assets | $231,094,000 | 2,494 |
| Average equity | $33,807,670 | 2,209 |
| Average total loans | $150,703,670 | 2,651 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 1,026 |
| Cost of funding earning assets | 0.7876% | 2,607 |
| Net interest margin | 4.3519% | 1,004 |
| Noninterest income to average assets | 1.5188% | 376 |
| Noninterest expense to average assets | 3.7314% | 714 |
| Loan and lease loss provision to assets | 0.0284% | 3,043 |
| Net operating income to assets | 1.2797% | 1,776 |
| Return on assets (ROA) | 1.2822% | 1,809 |
| Pretax return on assets | 1.7096% | 1,186 |
| Return on Equity (ROE) | 9.7978% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.7978% | 1,086 |
| Net charge-offs to loans | 0.0349% | 1,769 |
| Credit loss provision to net charge-offs | 138.4615% | 1,306 |
| Earnings coverage of net charge-offs (x) | 84.6154% | 734 |
| Efficiency ratio | 68.2631% | 2,605 |
| Assets per employee ($millions) | 3.2993% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,966 |
| Loan loss allowance to noncurrent loans | 109.1954% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 1,212 |
| Noncurrent loans to loans | 1.2158% | 1,352 |
| Net loans and leases to total assets | 56.8881% | 3,991 |
| Net loans and leases to deposits | 66.0283% | 4,051 |
| Net loans and leases to core deposits | 71.8703% | 3,951 |
| Total domestic deposits to total assets | 86.1571% | 2,204 |
| Equity capital to assets | 13.0487% | 1,426 |
| Core capital (leverage) ratio | 13.5456% | 1,082 |
| Tier 1 risk-based capital ratio | 21.0723% | 1,155 |
| Total risk-based capital ratio | 22.3041% | 1,135 |
| Memoranda: | ||
| Average total assets | $253,629,500 | 2,486 |
| Average earning assets | $230,058,500 | 2,521 |
| Average equity | $33,191,000 | 2,242 |
| Average total loans | $148,881,000 | 2,700 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 889 |
| Cost of funding earning assets | 0.6484% | 2,403 |
| Net interest margin | 4.4325% | 875 |
| Noninterest income to average assets | 1.1435% | 703 |
| Noninterest expense to average assets | 3.6765% | 795 |
| Loan and lease loss provision to assets | 0.1195% | 1,849 |
| Net operating income to assets | 1.0599% | 2,760 |
| Return on assets (ROA) | 1.0599% | 2,745 |
| Pretax return on assets | 1.3564% | 2,288 |
| Return on Equity (ROE) | 8.1630% | 3,373 |
| Retained earnings to average equity (ytd only) | 4.2778% | 3,194 |
| Net charge-offs to loans | 0.1676% | 1,148 |
| Credit loss provision to net charge-offs | 120.5761% | 2,160 |
| Earnings coverage of net charge-offs (x) | 14.8930% | 2,357 |
| Efficiency ratio | 71.3551% | 1,991 |
| Assets per employee ($millions) | 3.1617% | 4,878 |
| Cash dividends to net income (ytd only)* | 47.5952% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,830 |
| Loan loss allowance to noncurrent loans | 119.3046% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 849 |
| Noncurrent loans to loans | 1.1309% | 1,417 |
| Net loans and leases to total assets | 58.9996% | 3,872 |
| Net loans and leases to deposits | 68.8637% | 3,914 |
| Net loans and leases to core deposits | 74.9583% | 3,788 |
| Total domestic deposits to total assets | 85.6759% | 2,370 |
| Equity capital to assets | 13.1263% | 1,290 |
| Core capital (leverage) ratio | 13.8524% | 967 |
| Tier 1 risk-based capital ratio | 20.9288% | 1,163 |
| Total risk-based capital ratio | 22.1789% | 1,149 |
| Memoranda: | ||
| Average total assets | $245,203,400 | 2,506 |
| Average earning assets | $221,772,400 | 2,547 |
| Average equity | $31,838,800 | 2,229 |
| Average total loans | $144,985,000 | 2,706 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 882 |
| Cost of funding earning assets | 0.6409% | 2,198 |
| Net interest margin | 4.3890% | 922 |
| Noninterest income to average assets | 1.1375% | 728 |
| Noninterest expense to average assets | 3.7257% | 733 |
| Loan and lease loss provision to assets | 0.1263% | 1,595 |
| Net operating income to assets | 0.9426% | 3,338 |
| Return on assets (ROA) | 0.9426% | 3,341 |
| Pretax return on assets | 1.2568% | 2,787 |
| Return on Equity (ROE) | 7.2792% | 3,828 |
| Retained earnings to average equity (ytd only) | 7.2792% | 1,987 |
| Net charge-offs to loans | 0.0896% | 1,609 |
| Credit loss provision to net charge-offs | 239.1753% | 1,217 |
| Earnings coverage of net charge-offs (x) | 26.1856% | 1,755 |
| Efficiency ratio | 72.9269% | 1,741 |
| Assets per employee ($millions) | 3.1191% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,603 |
| Loan loss allowance to noncurrent loans | 119.4588% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 900 |
| Noncurrent loans to loans | 1.1944% | 1,416 |
| Net loans and leases to total assets | 58.9206% | 3,953 |
| Net loans and leases to deposits | 68.6219% | 4,013 |
| Net loans and leases to core deposits | 74.2918% | 3,929 |
| Total domestic deposits to total assets | 85.8627% | 2,254 |
| Equity capital to assets | 13.2306% | 1,242 |
| Core capital (leverage) ratio | 13.8868% | 969 |
| Tier 1 risk-based capital ratio | 21.4412% | 1,124 |
| Total risk-based capital ratio | 22.6920% | 1,107 |
| Memoranda: | ||
| Average total assets | $244,851,250 | 2,518 |
| Average earning assets | $221,549,500 | 2,563 |
| Average equity | $31,705,750 | 2,238 |
| Average total loans | $144,358,750 | 2,735 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 860 |
| Cost of funding earning assets | 0.6458% | 1,952 |
| Net interest margin | 4.3341% | 970 |
| Noninterest income to average assets | 1.0107% | 939 |
| Noninterest expense to average assets | 3.6541% | 816 |
| Loan and lease loss provision to assets | 0.0571% | 2,768 |
| Net operating income to assets | 0.9194% | 3,378 |
| Return on assets (ROA) | 0.9194% | 3,382 |
| Pretax return on assets | 1.2275% | 2,837 |
| Return on Equity (ROE) | 7.1518% | 3,852 |
| Retained earnings to average equity (ytd only) | 7.1518% | 1,998 |
| Net charge-offs to loans | 0.0208% | 2,463 |
| Credit loss provision to net charge-offs | 466.6667% | 738 |
| Earnings coverage of net charge-offs (x) | 105.0667% | 676 |
| Efficiency ratio | 73.9891% | 1,708 |
| Assets per employee ($millions) | 3.1229% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,857 |
| Loan loss allowance to noncurrent loans | 86.9660% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 849 |
| Noncurrent loans to loans | 1.5750% | 1,035 |
| Net loans and leases to total assets | 58.2281% | 3,971 |
| Net loans and leases to deposits | 67.3736% | 4,063 |
| Net loans and leases to core deposits | 72.8048% | 3,957 |
| Total domestic deposits to total assets | 86.4257% | 2,086 |
| Equity capital to assets | 12.8978% | 1,349 |
| Core capital (leverage) ratio | 13.3804% | 1,106 |
| Tier 1 risk-based capital ratio | 21.0804% | 1,161 |
| Total risk-based capital ratio | 22.3308% | 1,132 |
| Memoranda: | ||
| Average total assets | $245,371,000 | 2,531 |
| Average earning assets | $222,374,330 | 2,569 |
| Average equity | $31,544,670 | 2,252 |
| Average total loans | $144,003,670 | 2,747 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 774 |
| Cost of funding earning assets | 0.6320% | 1,827 |
| Net interest margin | 4.3209% | 919 |
| Noninterest income to average assets | 1.0576% | 820 |
| Noninterest expense to average assets | 3.5619% | 912 |
| Loan and lease loss provision to assets | 0.0752% | 2,261 |
| Net operating income to assets | 0.9971% | 2,869 |
| Return on assets (ROA) | 0.9971% | 2,889 |
| Pretax return on assets | 1.3322% | 2,241 |
| Return on Equity (ROE) | 7.7690% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.7690% | 1,932 |
| Net charge-offs to loans | 0.0307% | 1,884 |
| Credit loss provision to net charge-offs | 418.1818% | 671 |
| Earnings coverage of net charge-offs (x) | 78.2727% | 712 |
| Efficiency ratio | 71.6776% | 2,234 |
| Assets per employee ($millions) | 3.1059% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,973 |
| Loan loss allowance to noncurrent loans | 89.5286% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 877 |
| Noncurrent loans to loans | 1.5241% | 1,154 |
| Net loans and leases to total assets | 57.4597% | 3,994 |
| Net loans and leases to deposits | 67.9186% | 3,953 |
| Net loans and leases to core deposits | 72.1569% | 3,941 |
| Total domestic deposits to total assets | 84.6008% | 3,074 |
| Equity capital to assets | 12.6427% | 1,409 |
| Core capital (leverage) ratio | 13.4117% | 1,036 |
| Tier 1 risk-based capital ratio | 20.7855% | 1,235 |
| Total risk-based capital ratio | 22.0355% | 1,213 |
| Memoranda: | ||
| Average total assets | $244,702,000 | 2,555 |
| Average earning assets | $221,530,000 | 2,600 |
| Average equity | $31,407,000 | 2,274 |
| Average total loans | $143,181,000 | 2,774 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 701 |
| Cost of funding earning assets | 0.6764% | 1,154 |
| Net interest margin | 4.2805% | 1,010 |
| Noninterest income to average assets | 1.1325% | 792 |
| Noninterest expense to average assets | 3.3684% | 1,259 |
| Loan and lease loss provision to assets | 0.1492% | 1,519 |
| Net operating income to assets | 0.8906% | 2,770 |
| Return on assets (ROA) | 0.9036% | 2,719 |
| Pretax return on assets | 1.5047% | 1,627 |
| Return on Equity (ROE) | 6.9888% | 3,283 |
| Retained earnings to average equity (ytd only) | 3.9432% | 2,833 |
| Net charge-offs to loans | 0.2962% | 880 |
| Credit loss provision to net charge-offs | 86.7470% | 2,842 |
| Earnings coverage of net charge-offs (x) | 9.4964% | 2,776 |
| Efficiency ratio | 67.3407% | 3,031 |
| Assets per employee ($millions) | 3.0117% | 5,190 |
| Cash dividends to net income (ytd only)* | 43.5780% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,885 |
| Loan loss allowance to noncurrent loans | 125.0806% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 1,073 |
| Noncurrent loans to loans | 1.0952% | 1,619 |
| Net loans and leases to total assets | 57.9731% | 4,009 |
| Net loans and leases to deposits | 69.1304% | 3,941 |
| Net loans and leases to core deposits | 73.4228% | 3,928 |
| Total domestic deposits to total assets | 83.8604% | 3,253 |
| Equity capital to assets | 13.0329% | 1,250 |
| Core capital (leverage) ratio | 12.9590% | 1,159 |
| Tier 1 risk-based capital ratio | 20.8329% | 1,167 |
| Total risk-based capital ratio | 22.0828% | 1,147 |
| Memoranda: | ||
| Average total assets | $241,244,800 | 2,556 |
| Average earning assets | $218,080,800 | 2,597 |
| Average equity | $31,192,800 | 2,279 |
| Average total loans | $140,126,800 | 2,781 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 910 |
| Cost of funding earning assets | 0.6767% | 1,087 |
| Net interest margin | 4.1330% | 1,311 |
| Noninterest income to average assets | 1.0431% | 937 |
| Noninterest expense to average assets | 3.3669% | 1,207 |
| Loan and lease loss provision to assets | 0.1508% | 1,385 |
| Net operating income to assets | 0.7903% | 3,561 |
| Return on assets (ROA) | 0.8006% | 3,568 |
| Pretax return on assets | 1.2768% | 2,603 |
| Return on Equity (ROE) | 6.2039% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.2039% | 2,105 |
| Net charge-offs to loans | 0.3330% | 632 |
| Credit loss provision to net charge-offs | 78.2235% | 2,613 |
| Earnings coverage of net charge-offs (x) | 7.3209% | 2,889 |
| Efficiency ratio | 70.4590% | 2,462 |
| Assets per employee ($millions) | 3.2635% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 2,133 |
| Loan loss allowance to noncurrent loans | 91.3810% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5648% | 954 |
| Noncurrent loans to loans | 1.4735% | 1,265 |
| Net loans and leases to total assets | 55.9510% | 4,236 |
| Net loans and leases to deposits | 69.4766% | 4,004 |
| Net loans and leases to core deposits | 73.5155% | 4,020 |
| Total domestic deposits to total assets | 80.5321% | 4,198 |
| Equity capital to assets | 12.7476% | 1,516 |
| Core capital (leverage) ratio | 12.8106% | 1,285 |
| Tier 1 risk-based capital ratio | 20.6808% | 1,250 |
| Total risk-based capital ratio | 21.9218% | 1,219 |
| Memoranda: | ||
| Average total assets | $241,322,000 | 2,569 |
| Average earning assets | $218,111,250 | 2,616 |
| Average equity | $31,140,750 | 2,296 |
| Average total loans | $139,754,000 | 2,801 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 891 |
| Cost of funding earning assets | 0.6521% | 1,130 |
| Net interest margin | 4.1305% | 1,249 |
| Noninterest income to average assets | 1.0420% | 943 |
| Noninterest expense to average assets | 3.3370% | 1,300 |
| Loan and lease loss provision to assets | 0.1756% | 1,094 |
| Net operating income to assets | 0.7866% | 3,456 |
| Return on assets (ROA) | 0.7866% | 3,515 |
| Pretax return on assets | 1.2555% | 2,553 |
| Return on Equity (ROE) | 6.0694% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0694% | 2,073 |
| Net charge-offs to loans | 0.4523% | 443 |
| Credit loss provision to net charge-offs | 66.5605% | 2,415 |
| Earnings coverage of net charge-offs (x) | 5.4236% | 2,828 |
| Efficiency ratio | 69.9859% | 2,679 |
| Assets per employee ($millions) | 3.2445% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,172 |
| Loan loss allowance to noncurrent loans | 85.5204% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 866 |
| Noncurrent loans to loans | 1.5789% | 1,179 |
| Net loans and leases to total assets | 55.2708% | 4,289 |
| Net loans and leases to deposits | 68.4601% | 4,027 |
| Net loans and leases to core deposits | 72.4444% | 4,060 |
| Total domestic deposits to total assets | 80.7343% | 4,252 |
| Equity capital to assets | 12.6431% | 1,547 |
| Core capital (leverage) ratio | 13.2122% | 1,097 |
| Tier 1 risk-based capital ratio | 20.4388% | 1,282 |
| Total risk-based capital ratio | 21.6667% | 1,259 |
| Memoranda: | ||
| Average total assets | $238,000,670 | 2,611 |
| Average earning assets | $214,695,330 | 2,660 |
| Average equity | $30,843,330 | 2,307 |
| Average total loans | $138,833,330 | 2,819 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 728 |
| Cost of funding earning assets | 0.6620% | 1,017 |
| Net interest margin | 4.1502% | 1,095 |
| Noninterest income to average assets | 1.1185% | 794 |
| Noninterest expense to average assets | 3.3574% | 1,275 |
| Loan and lease loss provision to assets | 0.2740% | 525 |
| Net operating income to assets | 0.7670% | 3,388 |
| Return on assets (ROA) | 0.7670% | 3,440 |
| Pretax return on assets | 1.2254% | 2,489 |
| Return on Equity (ROE) | 5.8414% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.8414% | 2,415 |
| Net charge-offs to loans | 0.8795% | 195 |
| Credit loss provision to net charge-offs | 52.3026% | 1,965 |
| Earnings coverage of net charge-offs (x) | 2.8618% | 2,541 |
| Efficiency ratio | 69.1270% | 3,020 |
| Assets per employee ($millions) | 3.0942% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,420 |
| Loan loss allowance to noncurrent loans | 70.1023% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.8661% | 742 |
| Noncurrent loans to loans | 1.8892% | 968 |
| Net loans and leases to total assets | 57.8522% | 3,990 |
| Net loans and leases to deposits | 72.2102% | 3,591 |
| Net loans and leases to core deposits | 76.7706% | 3,576 |
| Total domestic deposits to total assets | 80.1164% | 4,596 |
| Equity capital to assets | 12.9318% | 1,285 |
| Core capital (leverage) ratio | 13.3660% | 1,012 |
| Tier 1 risk-based capital ratio | 20.4111% | 1,315 |
| Total risk-based capital ratio | 21.6304% | 1,288 |
| Memoranda: | ||
| Average total assets | $232,087,000 | 2,692 |
| Average earning assets | $209,049,500 | 2,735 |
| Average equity | $30,472,000 | 2,340 |
| Average total loans | $138,264,000 | 2,844 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 651 |
| Cost of funding earning assets | 0.6937% | 837 |
| Net interest margin | 4.2607% | 995 |
| Noninterest income to average assets | 0.9740% | 1,208 |
| Noninterest expense to average assets | 3.3141% | 1,543 |
| Loan and lease loss provision to assets | 0.0920% | 2,517 |
| Net operating income to assets | 0.9290% | 2,687 |
| Return on assets (ROA) | 0.9360% | 2,757 |
| Pretax return on assets | 1.4103% | 1,903 |
| Return on Equity (ROE) | 6.9144% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.7805% | 3,226 |
| Net charge-offs to loans | 0.1479% | 1,786 |
| Credit loss provision to net charge-offs | 102.4876% | 2,520 |
| Earnings coverage of net charge-offs (x) | 16.6169% | 2,098 |
| Efficiency ratio | 68.9620% | 3,081 |
| Assets per employee ($millions) | 3.0948% | 5,271 |
| Cash dividends to net income (ytd only)* | 45.3244% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,844 |
| Loan loss allowance to noncurrent loans | 73.8342% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.0087% | 680 |
| Noncurrent loans to loans | 1.9746% | 915 |
| Net loans and leases to total assets | 59.6883% | 3,889 |
| Net loans and leases to deposits | 75.5097% | 3,369 |
| Net loans and leases to core deposits | 80.8003% | 3,325 |
| Total domestic deposits to total assets | 79.0472% | 4,785 |
| Equity capital to assets | 13.3381% | 1,116 |
| Core capital (leverage) ratio | 13.4781% | 979 |
| Tier 1 risk-based capital ratio | 20.5082% | 1,287 |
| Total risk-based capital ratio | 21.7595% | 1,257 |
| Memoranda: | ||
| Average total assets | $223,920,400 | 2,723 |
| Average earning assets | $201,377,400 | 2,773 |
| Average equity | $30,313,600 | 2,328 |
| Average total loans | $135,917,400 | 2,830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 672 |
| Cost of funding earning assets | 0.7052% | 796 |
| Net interest margin | 4.2360% | 1,052 |
| Noninterest income to average assets | 0.9381% | 1,281 |
| Noninterest expense to average assets | 3.3550% | 1,442 |
| Loan and lease loss provision to assets | 0.0334% | 3,564 |
| Net operating income to assets | 0.8508% | 3,148 |
| Return on assets (ROA) | 0.8599% | 3,228 |
| Pretax return on assets | 1.3744% | 2,144 |
| Return on Equity (ROE) | 6.3286% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.3286% | 1,996 |
| Net charge-offs to loans | 0.0501% | 2,657 |
| Credit loss provision to net charge-offs | 109.8039% | 2,224 |
| Earnings coverage of net charge-offs (x) | 45.7832% | 1,138 |
| Efficiency ratio | 70.6548% | 2,798 |
| Assets per employee ($millions) | 3.1410% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 2,155 |
| Loan loss allowance to noncurrent loans | 79.4504% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.9244% | 825 |
| Noncurrent loans to loans | 1.7750% | 1,169 |
| Net loans and leases to total assets | 61.6715% | 3,670 |
| Net loans and leases to deposits | 78.1804% | 3,166 |
| Net loans and leases to core deposits | 83.7824% | 3,147 |
| Total domestic deposits to total assets | 78.8835% | 4,748 |
| Equity capital to assets | 13.8236% | 1,109 |
| Core capital (leverage) ratio | 13.5726% | 975 |
| Tier 1 risk-based capital ratio | 20.4137% | 1,373 |
| Total risk-based capital ratio | 21.6648% | 1,338 |
| Memoranda: | ||
| Average total assets | $223,421,250 | 2,732 |
| Average earning assets | $200,972,250 | 2,792 |
| Average equity | $30,358,750 | 2,344 |
| Average total loans | $135,686,500 | 2,843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 678 |
| Cost of funding earning assets | 0.7191% | 726 |
| Net interest margin | 4.2083% | 1,095 |
| Noninterest income to average assets | 1.2647% | 713 |
| Noninterest expense to average assets | 3.7041% | 875 |
| Loan and lease loss provision to assets | 0.0512% | 3,122 |
| Net operating income to assets | 0.8071% | 3,279 |
| Return on assets (ROA) | 0.8071% | 3,411 |
| Pretax return on assets | 1.2916% | 2,442 |
| Return on Equity (ROE) | 5.9752% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9752% | 2,127 |
| Net charge-offs to loans | 0.0778% | 2,082 |
| Credit loss provision to net charge-offs | 109.6154% | 1,966 |
| Earnings coverage of net charge-offs (x) | 28.7308% | 1,423 |
| Efficiency ratio | 73.3927% | 2,452 |
| Assets per employee ($millions) | 3.1033% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,008 |
| Loan loss allowance to noncurrent loans | 76.6718% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.0566% | 783 |
| Noncurrent loans to loans | 1.9099% | 1,058 |
| Net loans and leases to total assets | 58.4548% | 4,075 |
| Net loans and leases to deposits | 74.3686% | 3,543 |
| Net loans and leases to core deposits | 79.4314% | 3,513 |
| Total domestic deposits to total assets | 78.6014% | 4,874 |
| Equity capital to assets | 13.3889% | 1,289 |
| Core capital (leverage) ratio | 13.2300% | 1,075 |
| Tier 1 risk-based capital ratio | 20.3536% | 1,372 |
| Total risk-based capital ratio | 21.6047% | 1,355 |
| Memoranda: | ||
| Average total assets | $222,511,670 | 2,753 |
| Average earning assets | $199,985,330 | 2,813 |
| Average equity | $30,057,670 | 2,364 |
| Average total loans | $133,760,330 | 2,872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 709 |
| Cost of funding earning assets | 0.7428% | 659 |
| Net interest margin | 4.1463% | 1,223 |
| Noninterest income to average assets | 1.1766% | 794 |
| Noninterest expense to average assets | 3.5790% | 1,052 |
| Loan and lease loss provision to assets | 0.0530% | 2,877 |
| Net operating income to assets | 0.7965% | 3,269 |
| Return on assets (ROA) | 0.7965% | 3,378 |
| Pretax return on assets | 1.2770% | 2,398 |
| Return on Equity (ROE) | 5.8695% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.8695% | 2,439 |
| Net charge-offs to loans | 0.0875% | 1,624 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 25.1034% | 1,308 |
| Efficiency ratio | 72.9066% | 2,660 |
| Assets per employee ($millions) | 3.2230% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,995 |
| Loan loss allowance to noncurrent loans | 69.9965% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 729 |
| Noncurrent loans to loans | 2.1396% | 976 |
| Net loans and leases to total assets | 57.1954% | 4,129 |
| Net loans and leases to deposits | 73.4225% | 3,509 |
| Net loans and leases to core deposits | 78.4915% | 3,450 |
| Total domestic deposits to total assets | 77.8989% | 5,164 |
| Equity capital to assets | 13.1274% | 1,353 |
| Core capital (leverage) ratio | 13.4473% | 1,006 |
| Tier 1 risk-based capital ratio | 20.5530% | 1,396 |
| Total risk-based capital ratio | 21.8042% | 1,373 |
| Memoranda: | ||
| Average total assets | $218,944,500 | 2,792 |
| Average earning assets | $197,093,500 | 2,855 |
| Average equity | $29,713,000 | 2,388 |
| Average total loans | $132,523,500 | 2,895 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 424 |
| Cost of funding earning assets | 0.7648% | 596 |
| Net interest margin | 4.4401% | 728 |
| Noninterest income to average assets | 1.2226% | 799 |
| Noninterest expense to average assets | 3.7353% | 935 |
| Loan and lease loss provision to assets | 0.0911% | 2,483 |
| Net operating income to assets | 0.9187% | 2,765 |
| Return on assets (ROA) | 0.9633% | 2,632 |
| Pretax return on assets | 1.4239% | 1,808 |
| Return on Equity (ROE) | 6.9410% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.3407% | 2,889 |
| Net charge-offs to loans | 0.1363% | 1,994 |
| Credit loss provision to net charge-offs | 105.5556% | 2,383 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 2,108 |
| Efficiency ratio | 72.0466% | 2,905 |
| Assets per employee ($millions) | 2.8638% | 5,649 |
| Cash dividends to net income (ytd only)* | 37.4627% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,977 |
| Loan loss allowance to noncurrent loans | 76.0413% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.5611% | 597 |
| Noncurrent loans to loans | 1.9800% | 1,060 |
| Net loans and leases to total assets | 62.2729% | 3,519 |
| Net loans and leases to deposits | 82.2622% | 2,558 |
| Net loans and leases to core deposits | 88.1128% | 2,590 |
| Total domestic deposits to total assets | 75.7005% | 5,479 |
| Equity capital to assets | 14.0567% | 912 |
| Core capital (leverage) ratio | 13.9926% | 819 |
| Tier 1 risk-based capital ratio | 20.4713% | 1,392 |
| Total risk-based capital ratio | 21.7228% | 1,367 |
| Memoranda: | ||
| Average total assets | $208,655,400 | 2,865 |
| Average earning assets | $186,191,200 | 2,929 |
| Average equity | $28,958,200 | 2,396 |
| Average total loans | $132,025,000 | 2,858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 450 |
| Cost of funding earning assets | 0.7693% | 597 |
| Net interest margin | 4.4105% | 778 |
| Noninterest income to average assets | 1.1635% | 885 |
| Noninterest expense to average assets | 3.7418% | 916 |
| Loan and lease loss provision to assets | 0.1016% | 2,155 |
| Net operating income to assets | 0.7846% | 3,498 |
| Return on assets (ROA) | 0.8202% | 3,421 |
| Pretax return on assets | 1.3086% | 2,359 |
| Return on Equity (ROE) | 5.9291% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.9291% | 2,291 |
| Net charge-offs to loans | 0.1606% | 1,541 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 13.3273% | 2,336 |
| Efficiency ratio | 73.4195% | 2,650 |
| Assets per employee ($millions) | 2.8621% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,210 |
| Loan loss allowance to noncurrent loans | 73.2249% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.6252% | 633 |
| Noncurrent loans to loans | 2.0308% | 1,138 |
| Net loans and leases to total assets | 62.7790% | 3,489 |
| Net loans and leases to deposits | 82.8923% | 2,543 |
| Net loans and leases to core deposits | 88.8738% | 2,572 |
| Total domestic deposits to total assets | 75.7356% | 5,535 |
| Equity capital to assets | 14.1656% | 954 |
| Core capital (leverage) ratio | 13.9056% | 889 |
| Tier 1 risk-based capital ratio | 20.3338% | 1,469 |
| Total risk-based capital ratio | 21.5854% | 1,437 |
| Memoranda: | ||
| Average total assets | $208,555,750 | 2,891 |
| Average earning assets | $185,974,250 | 2,954 |
| Average equity | $28,851,250 | 2,417 |
| Average total loans | $131,987,750 | 2,871 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 482 |
| Cost of funding earning assets | 0.7675% | 593 |
| Net interest margin | 4.3544% | 829 |
| Noninterest income to average assets | 1.1409% | 922 |
| Noninterest expense to average assets | 3.7567% | 922 |
| Loan and lease loss provision to assets | 0.1084% | 2,021 |
| Net operating income to assets | 0.7252% | 3,761 |
| Return on assets (ROA) | 0.7657% | 3,660 |
| Pretax return on assets | 1.2206% | 2,695 |
| Return on Equity (ROE) | 5.5799% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.5799% | 2,485 |
| Net charge-offs to loans | 0.1945% | 1,289 |
| Credit loss provision to net charge-offs | 88.2813% | 2,227 |
| Earnings coverage of net charge-offs (x) | 10.3047% | 2,372 |
| Efficiency ratio | 74.7994% | 2,564 |
| Assets per employee ($millions) | 2.7945% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 2,338 |
| Loan loss allowance to noncurrent loans | 72.5628% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.6645% | 679 |
| Noncurrent loans to loans | 2.0543% | 1,176 |
| Net loans and leases to total assets | 61.1431% | 3,671 |
| Net loans and leases to deposits | 79.9179% | 2,799 |
| Net loans and leases to core deposits | 85.3418% | 2,844 |
| Total domestic deposits to total assets | 76.5074% | 5,533 |
| Equity capital to assets | 13.6203% | 1,122 |
| Core capital (leverage) ratio | 13.5739% | 966 |
| Tier 1 risk-based capital ratio | 20.2714% | 1,489 |
| Total risk-based capital ratio | 21.5233% | 1,466 |
| Memoranda: | ||
| Average total assets | $208,429,000 | 2,911 |
| Average earning assets | $185,788,670 | 2,982 |
| Average equity | $28,602,670 | 2,445 |
| Average total loans | $131,601,000 | 2,882 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 469 |
| Cost of funding earning assets | 0.7717% | 583 |
| Net interest margin | 4.3449% | 804 |
| Noninterest income to average assets | 1.1392% | 874 |
| Noninterest expense to average assets | 3.7394% | 951 |
| Loan and lease loss provision to assets | 0.1143% | 1,806 |
| Net operating income to assets | 0.7177% | 3,712 |
| Return on assets (ROA) | 0.7227% | 3,814 |
| Pretax return on assets | 1.1547% | 2,851 |
| Return on Equity (ROE) | 5.2460% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2460% | 2,924 |
| Net charge-offs to loans | 0.2555% | 938 |
| Credit loss provision to net charge-offs | 70.2381% | 1,914 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,138 |
| Efficiency ratio | 74.7772% | 2,695 |
| Assets per employee ($millions) | 2.7651% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 2,470 |
| Loan loss allowance to noncurrent loans | 71.7695% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.7856% | 713 |
| Noncurrent loans to loans | 2.0810% | 1,239 |
| Net loans and leases to total assets | 61.3564% | 3,470 |
| Net loans and leases to deposits | 80.2261% | 2,534 |
| Net loans and leases to core deposits | 85.7298% | 2,581 |
| Total domestic deposits to total assets | 76.4793% | 5,688 |
| Equity capital to assets | 13.6916% | 1,093 |
| Core capital (leverage) ratio | 13.6767% | 910 |
| Tier 1 risk-based capital ratio | 20.2739% | 1,562 |
| Total risk-based capital ratio | 21.5320% | 1,533 |
| Memoranda: | ||
| Average total assets | $206,452,500 | 2,945 |
| Average earning assets | $183,479,500 | 3,024 |
| Average equity | $28,440,500 | 2,470 |
| Average total loans | $131,490,500 | 2,892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 365 |
| Cost of funding earning assets | 0.7923% | 673 |
| Net interest margin | 4.6252% | 594 |
| Noninterest income to average assets | 1.1605% | 895 |
| Noninterest expense to average assets | 3.7623% | 1,047 |
| Loan and lease loss provision to assets | 0.1532% | 1,717 |
| Net operating income to assets | 0.8592% | 3,064 |
| Return on assets (ROA) | 0.8712% | 3,101 |
| Pretax return on assets | 1.3196% | 2,179 |
| Return on Equity (ROE) | 6.4432% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.0279% | 3,340 |
| Net charge-offs to loans | 0.1207% | 2,827 |
| Credit loss provision to net charge-offs | 205.2632% | 1,205 |
| Earnings coverage of net charge-offs (x) | 19.4868% | 1,781 |
| Efficiency ratio | 72.1171% | 3,188 |
| Assets per employee ($millions) | 2.6332% | 6,078 |
| Cash dividends to net income (ytd only)* | 37.4859% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 2,481 |
| Loan loss allowance to noncurrent loans | 58.5452% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 3.1432% | 623 |
| Noncurrent loans to loans | 2.5605% | 983 |
| Net loans and leases to total assets | 64.1689% | 3,202 |
| Net loans and leases to deposits | 85.1261% | 2,082 |
| Net loans and leases to core deposits | 90.5784% | 2,227 |
| Total domestic deposits to total assets | 75.3810% | 5,814 |
| Equity capital to assets | 13.8631% | 1,009 |
| Core capital (leverage) ratio | 13.6501% | 921 |
| Tier 1 risk-based capital ratio | 19.9159% | 1,612 |
| Total risk-based capital ratio | 21.1679% | 1,584 |
| Memoranda: | ||
| Average total assets | $203,625,000 | 2,950 |
| Average earning assets | $178,588,000 | 3,063 |
| Average equity | $27,533,000 | 2,444 |
| Average total loans | $125,937,000 | 2,941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 351 |
| Cost of funding earning assets | 0.7969% | 694 |
| Net interest margin | 4.6379% | 572 |
| Noninterest income to average assets | 1.1715% | 875 |
| Noninterest expense to average assets | 3.7557% | 1,030 |
| Loan and lease loss provision to assets | 0.1596% | 1,562 |
| Net operating income to assets | 0.8209% | 3,334 |
| Return on assets (ROA) | 0.8372% | 3,335 |
| Pretax return on assets | 1.3396% | 2,236 |
| Return on Equity (ROE) | 6.2310% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.2310% | 2,260 |
| Net charge-offs to loans | 0.0793% | 3,066 |
| Credit loss provision to net charge-offs | 329.7297% | 847 |
| Earnings coverage of net charge-offs (x) | 30.4472% | 1,357 |
| Efficiency ratio | 71.8199% | 3,215 |
| Assets per employee ($millions) | 2.6775% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 2,495 |
| Loan loss allowance to noncurrent loans | 54.3864% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.3068% | 668 |
| Noncurrent loans to loans | 2.8534% | 956 |
| Net loans and leases to total assets | 62.0384% | 3,477 |
| Net loans and leases to deposits | 81.6952% | 2,465 |
| Net loans and leases to core deposits | 85.5049% | 2,716 |
| Total domestic deposits to total assets | 75.9389% | 5,822 |
| Equity capital to assets | 13.8587% | 1,051 |
| Core capital (leverage) ratio | 13.8045% | 897 |
| Tier 1 risk-based capital ratio | 20.4744% | 1,561 |
| Total risk-based capital ratio | 21.7209% | 1,526 |
| Memoranda: | ||
| Average total assets | $203,842,750 | 2,970 |
| Average earning assets | $178,351,000 | 3,089 |
| Average equity | $27,389,250 | 2,459 |
| Average total loans | $124,400,000 | 2,986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 378 |
| Cost of funding earning assets | 0.8049% | 684 |
| Net interest margin | 4.5868% | 600 |
| Noninterest income to average assets | 1.1551% | 877 |
| Noninterest expense to average assets | 3.7301% | 1,080 |
| Loan and lease loss provision to assets | 0.1638% | 1,509 |
| Net operating income to assets | 0.7891% | 3,384 |
| Return on assets (ROA) | 0.8129% | 3,369 |
| Pretax return on assets | 1.2993% | 2,251 |
| Return on Equity (ROE) | 6.1139% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.1139% | 2,254 |
| Net charge-offs to loans | 0.1007% | 2,673 |
| Credit loss provision to net charge-offs | 269.3548% | 938 |
| Earnings coverage of net charge-offs (x) | 23.4516% | 1,470 |
| Efficiency ratio | 72.3469% | 3,277 |
| Assets per employee ($millions) | 2.7121% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 2,726 |
| Loan loss allowance to noncurrent loans | 49.3210% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.4296% | 690 |
| Noncurrent loans to loans | 3.1217% | 911 |
| Net loans and leases to total assets | 60.5218% | 3,632 |
| Net loans and leases to deposits | 79.3499% | 2,604 |
| Net loans and leases to core deposits | 82.8867% | 2,868 |
| Total domestic deposits to total assets | 76.2721% | 5,883 |
| Equity capital to assets | 13.6790% | 1,092 |
| Core capital (leverage) ratio | 13.6354% | 937 |
| Tier 1 risk-based capital ratio | 20.4580% | 1,579 |
| Total risk-based capital ratio | 21.7097% | 1,546 |
| Memoranda: | ||
| Average total assets | $203,960,330 | 2,982 |
| Average earning assets | $177,901,670 | 3,104 |
| Average equity | $27,118,670 | 2,472 |
| Average total loans | $123,122,670 | 3,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 420 |
| Cost of funding earning assets | 0.8044% | 736 |
| Net interest margin | 4.4818% | 677 |
| Noninterest income to average assets | 1.1849% | 792 |
| Noninterest expense to average assets | 3.7035% | 1,125 |
| Loan and lease loss provision to assets | 0.1684% | 1,433 |
| Net operating income to assets | 0.7554% | 3,385 |
| Return on assets (ROA) | 0.7893% | 3,276 |
| Pretax return on assets | 1.2613% | 2,244 |
| Return on Equity (ROE) | 6.0226% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0226% | 2,528 |
| Net charge-offs to loans | 0.1179% | 2,017 |
| Credit loss provision to net charge-offs | 238.8889% | 929 |
| Earnings coverage of net charge-offs (x) | 19.5278% | 1,371 |
| Efficiency ratio | 72.8990% | 3,324 |
| Assets per employee ($millions) | 2.7143% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,007 |
| Loan loss allowance to noncurrent loans | 50.6638% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.6730% | 690 |
| Noncurrent loans to loans | 3.0252% | 1,041 |
| Net loans and leases to total assets | 58.2372% | 3,802 |
| Net loans and leases to deposits | 75.6878% | 2,843 |
| Net loans and leases to core deposits | 79.0042% | 3,088 |
| Total domestic deposits to total assets | 76.9440% | 5,973 |
| Equity capital to assets | 13.1379% | 1,240 |
| Core capital (leverage) ratio | 13.4028% | 1,004 |
| Tier 1 risk-based capital ratio | 20.4735% | 1,594 |
| Total risk-based capital ratio | 21.7255% | 1,564 |
| Memoranda: | ||
| Average total assets | $204,237,500 | 3,012 |
| Average earning assets | $177,518,500 | 3,133 |
| Average equity | $26,766,000 | 2,486 |
| Average total loans | $122,169,000 | 3,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 377 |
| Cost of funding earning assets | 0.9356% | 621 |
| Net interest margin | 4.5420% | 676 |
| Noninterest income to average assets | 1.3776% | 738 |
| Noninterest expense to average assets | 4.0343% | 842 |
| Loan and lease loss provision to assets | 0.2316% | 1,557 |
| Net operating income to assets | 0.7469% | 3,567 |
| Return on assets (ROA) | 0.7472% | 3,659 |
| Pretax return on assets | 1.0705% | 3,070 |
| Return on Equity (ROE) | 5.7199% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.5454% | 3,697 |
| Net charge-offs to loans | 0.3934% | 1,714 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6208% | 3,259 |
| Efficiency ratio | 75.6068% | 2,845 |
| Assets per employee ($millions) | 2.6958% | 6,223 |
| Cash dividends to net income (ytd only)* | 38.0171% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 3,255 |
| Loan loss allowance to noncurrent loans | 45.5569% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 4.0581% | 647 |
| Noncurrent loans to loans | 3.2657% | 1,022 |
| Net loans and leases to total assets | 59.6040% | 3,786 |
| Net loans and leases to deposits | 77.9406% | 2,730 |
| Net loans and leases to core deposits | 81.5818% | 2,947 |
| Total domestic deposits to total assets | 76.4736% | 6,049 |
| Equity capital to assets | 13.0721% | 1,241 |
| Core capital (leverage) ratio | 13.3120% | 1,017 |
| Tier 1 risk-based capital ratio | 19.9743% | 1,658 |
| Total risk-based capital ratio | 21.2044% | 1,637 |
| Memoranda: | ||
| Average total assets | $203,827,000 | 2,991 |
| Average earning assets | $177,631,800 | 3,105 |
| Average equity | $26,626,200 | 2,492 |
| Average total loans | $119,970,400 | 3,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 382 |
| Cost of funding earning assets | 0.9708% | 569 |
| Net interest margin | 4.5132% | 723 |
| Noninterest income to average assets | 1.2410% | 953 |
| Noninterest expense to average assets | 3.9887% | 871 |
| Loan and lease loss provision to assets | 0.1528% | 2,357 |
| Net operating income to assets | 0.6463% | 4,144 |
| Return on assets (ROA) | 0.6463% | 4,263 |
| Pretax return on assets | 1.0328% | 3,365 |
| Return on Equity (ROE) | 4.9483% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.9483% | 3,121 |
| Net charge-offs to loans | 0.4847% | 1,324 |
| Credit loss provision to net charge-offs | 53.9171% | 3,419 |
| Earnings coverage of net charge-offs (x) | 4.1843% | 3,516 |
| Efficiency ratio | 77.0881% | 2,546 |
| Assets per employee ($millions) | 2.6392% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,110 |
| Loan loss allowance to noncurrent loans | 38.9423% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 4.2610% | 721 |
| Noncurrent loans to loans | 3.4763% | 1,098 |
| Net loans and leases to total assets | 58.0886% | 3,996 |
| Net loans and leases to deposits | 75.9202% | 2,977 |
| Net loans and leases to core deposits | 79.3048% | 3,198 |
| Total domestic deposits to total assets | 76.5128% | 6,111 |
| Equity capital to assets | 13.1736% | 1,252 |
| Core capital (leverage) ratio | 13.3094% | 1,095 |
| Tier 1 risk-based capital ratio | 20.3185% | 1,651 |
| Total risk-based capital ratio | 21.5427% | 1,631 |
| Memoranda: | ||
| Average total assets | $204,237,250 | 3,003 |
| Average earning assets | $177,991,250 | 3,124 |
| Average equity | $26,675,250 | 2,510 |
| Average total loans | $119,380,250 | 3,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5198% | 360 |
| Cost of funding earning assets | 1.0103% | 519 |
| Net interest margin | 4.5095% | 700 |
| Noninterest income to average assets | 1.3217% | 892 |
| Noninterest expense to average assets | 4.0806% | 789 |
| Loan and lease loss provision to assets | 0.1330% | 2,658 |
| Net operating income to assets | 0.6589% | 4,025 |
| Return on assets (ROA) | 0.6589% | 4,178 |
| Pretax return on assets | 1.0529% | 3,284 |
| Return on Equity (ROE) | 5.0594% | 4,695 |
| Retained earnings to average equity (ytd only) | 5.0594% | 3,017 |
| Net charge-offs to loans | 0.3454% | 1,805 |
| Credit loss provision to net charge-offs | 66.0194% | 2,911 |
| Earnings coverage of net charge-offs (x) | 5.8883% | 2,812 |
| Efficiency ratio | 77.4828% | 2,544 |
| Assets per employee ($millions) | 2.6485% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 3,705 |
| Loan loss allowance to noncurrent loans | 40.2391% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 4.3201% | 774 |
| Noncurrent loans to loans | 3.6627% | 1,114 |
| Net loans and leases to total assets | 55.9133% | 4,307 |
| Net loans and leases to deposits | 71.9556% | 3,452 |
| Net loans and leases to core deposits | 75.1553% | 3,653 |
| Total domestic deposits to total assets | 77.7052% | 6,026 |
| Equity capital to assets | 12.6266% | 1,506 |
| Core capital (leverage) ratio | 12.9628% | 1,179 |
| Tier 1 risk-based capital ratio | 19.8734% | 1,748 |
| Total risk-based capital ratio | 21.1301% | 1,722 |
| Memoranda: | ||
| Average total assets | $204,577,330 | 3,009 |
| Average earning assets | $178,956,000 | 3,129 |
| Average equity | $26,643,330 | 2,523 |
| Average total loans | $119,285,000 | 3,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8970% | 197 |
| Cost of funding earning assets | 1.0509% | 471 |
| Net interest margin | 4.8461% | 372 |
| Noninterest income to average assets | 1.6178% | 597 |
| Noninterest expense to average assets | 4.5923% | 498 |
| Loan and lease loss provision to assets | 0.1365% | 2,536 |
| Net operating income to assets | 0.7140% | 3,625 |
| Return on assets (ROA) | 0.7140% | 3,762 |
| Pretax return on assets | 1.1392% | 2,818 |
| Return on Equity (ROE) | 5.3970% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3970% | 3,009 |
| Net charge-offs to loans | -0.2041% | 6,684 |
| Credit loss provision to net charge-offs | -113.1148% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 2,565 |
| Assets per employee ($millions) | 2.1484% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 3,266 |
| Loan loss allowance to noncurrent loans | 36.7162% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 4.7399% | 785 |
| Noncurrent loans to loans | 4.4454% | 950 |
| Net loans and leases to total assets | 56.9801% | 3,929 |
| Net loans and leases to deposits | 74.0254% | 2,919 |
| Net loans and leases to core deposits | 77.3935% | 3,144 |
| Total domestic deposits to total assets | 76.9737% | 6,255 |
| Equity capital to assets | 13.0535% | 1,402 |
| Core capital (leverage) ratio | 13.0346% | 1,104 |
| Tier 1 risk-based capital ratio | 20.0493% | 1,754 |
| Total risk-based capital ratio | 21.3024% | 1,731 |
| Memoranda: | ||
| Average total assets | $202,249,500 | 3,074 |
| Average earning assets | $177,378,000 | 3,181 |
| Average equity | $26,755,500 | 2,541 |
| Average total loans | $119,558,000 | 3,092 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2526% | 181 |
| Cost of funding earning assets | 1.2650% | 425 |
| Net interest margin | 4.9876% | 394 |
| Noninterest income to average assets | 1.0769% | 1,344 |
| Noninterest expense to average assets | 4.2788% | 697 |
| Loan and lease loss provision to assets | 0.3823% | 1,711 |
| Net operating income to assets | 0.5342% | 4,548 |
| Return on assets (ROA) | 0.6227% | 4,391 |
| Pretax return on assets | 0.9297% | 3,811 |
| Return on Equity (ROE) | 4.8773% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.0740% | 4,067 |
| Net charge-offs to loans | 0.5617% | 2,050 |
| Credit loss provision to net charge-offs | 117.9910% | 2,438 |
| Earnings coverage of net charge-offs (x) | 3.6417% | 3,646 |
| Efficiency ratio | 78.3858% | 2,377 |
| Assets per employee ($millions) | 2.0229% | 6,895 |
| Cash dividends to net income (ytd only)* | 36.9735% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 3,657 |
| Loan loss allowance to noncurrent loans | 27.8287% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 5.4533% | 683 |
| Noncurrent loans to loans | 5.4662% | 680 |
| Net loans and leases to total assets | 59.4326% | 3,697 |
| Net loans and leases to deposits | 78.9039% | 2,412 |
| Net loans and leases to core deposits | 83.1844% | 2,646 |
| Total domestic deposits to total assets | 75.3228% | 6,423 |
| Equity capital to assets | 13.4115% | 1,263 |
| Core capital (leverage) ratio | 12.6173% | 1,274 |
| Tier 1 risk-based capital ratio | 19.6945% | 1,757 |
| Total risk-based capital ratio | 20.9466% | 1,728 |
| Memoranda: | ||
| Average total assets | $205,874,200 | 2,975 |
| Average earning assets | $180,869,600 | 3,075 |
| Average equity | $26,285,000 | 2,543 |
| Average total loans | $118,752,000 | 3,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2014% | 213 |
| Cost of funding earning assets | 1.3044% | 427 |
| Net interest margin | 4.8969% | 475 |
| Noninterest income to average assets | 1.0697% | 1,317 |
| Noninterest expense to average assets | 4.2030% | 719 |
| Loan and lease loss provision to assets | 0.4004% | 1,599 |
| Net operating income to assets | 0.4947% | 4,861 |
| Return on assets (ROA) | 0.6064% | 4,623 |
| Pretax return on assets | 0.9407% | 3,955 |
| Return on Equity (ROE) | 4.8073% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.8073% | 3,507 |
| Net charge-offs to loans | 0.5669% | 1,916 |
| Credit loss provision to net charge-offs | 123.8095% | 2,335 |
| Earnings coverage of net charge-offs (x) | 3.6072% | 3,579 |
| Efficiency ratio | 78.2744% | 2,362 |
| Assets per employee ($millions) | 1.9666% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,756 |
| Loan loss allowance to noncurrent loans | 30.4501% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 5.2103% | 836 |
| Noncurrent loans to loans | 5.0698% | 887 |
| Net loans and leases to total assets | 56.2115% | 4,415 |
| Net loans and leases to deposits | 74.3168% | 3,236 |
| Net loans and leases to core deposits | 78.1659% | 3,433 |
| Total domestic deposits to total assets | 75.6377% | 6,437 |
| Equity capital to assets | 13.0115% | 1,590 |
| Core capital (leverage) ratio | 12.5724% | 1,375 |
| Tier 1 risk-based capital ratio | 19.9264% | 1,780 |
| Total risk-based capital ratio | 21.1780% | 1,755 |
| Memoranda: | ||
| Average total assets | $207,780,750 | 2,987 |
| Average earning assets | $182,449,500 | 3,085 |
| Average equity | $26,209,250 | 2,564 |
| Average total loans | $118,529,000 | 3,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2604% | 195 |
| Cost of funding earning assets | 1.3500% | 428 |
| Net interest margin | 4.9104% | 461 |
| Noninterest income to average assets | 1.0662% | 1,261 |
| Noninterest expense to average assets | 4.1583% | 774 |
| Loan and lease loss provision to assets | 0.4659% | 1,370 |
| Net operating income to assets | 0.4706% | 4,948 |
| Return on assets (ROA) | 0.6378% | 4,429 |
| Pretax return on assets | 1.0182% | 3,643 |
| Return on Equity (ROE) | 5.1097% | 4,755 |
| Retained earnings to average equity (ytd only) | 5.1097% | 3,218 |
| Net charge-offs to loans | 0.6148% | 1,784 |
| Credit loss provision to net charge-offs | 132.8767% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.4877% | 3,354 |
| Efficiency ratio | 77.2760% | 2,553 |
| Assets per employee ($millions) | 1.8310% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,707 |
| Loan loss allowance to noncurrent loans | 33.7850% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 5.1229% | 920 |
| Noncurrent loans to loans | 4.6464% | 1,118 |
| Net loans and leases to total assets | 56.1483% | 4,441 |
| Net loans and leases to deposits | 74.7075% | 3,167 |
| Net loans and leases to core deposits | 78.6554% | 3,423 |
| Total domestic deposits to total assets | 75.1574% | 6,572 |
| Equity capital to assets | 13.0159% | 1,511 |
| Core capital (leverage) ratio | 12.2564% | 1,468 |
| Tier 1 risk-based capital ratio | 19.8930% | 1,725 |
| Total risk-based capital ratio | 21.1454% | 1,695 |
| Memoranda: | ||
| Average total assets | $208,209,330 | 2,993 |
| Average earning assets | $182,958,670 | 3,087 |
| Average equity | $25,989,670 | 2,570 |
| Average total loans | $118,740,670 | 3,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1404% | 250 |
| Cost of funding earning assets | 1.3662% | 475 |
| Net interest margin | 4.7741% | 598 |
| Noninterest income to average assets | 1.0157% | 1,386 |
| Noninterest expense to average assets | 4.0419% | 890 |
| Loan and lease loss provision to assets | 0.6018% | 952 |
| Net operating income to assets | 0.3493% | 5,481 |
| Return on assets (ROA) | 0.3493% | 5,656 |
| Pretax return on assets | 0.5582% | 5,244 |
| Return on Equity (ROE) | 2.8574% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.8574% | 4,817 |
| Net charge-offs to loans | 0.1898% | 2,966 |
| Credit loss provision to net charge-offs | 556.1404% | 605 |
| Earnings coverage of net charge-offs (x) | 10.7193% | 1,735 |
| Efficiency ratio | 77.7007% | 2,537 |
| Assets per employee ($millions) | 2.0071% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 3,516 |
| Loan loss allowance to noncurrent loans | 49.1968% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.4953% | 1,189 |
| Noncurrent loans to loans | 3.3677% | 1,885 |
| Net loans and leases to total assets | 54.1738% | 4,690 |
| Net loans and leases to deposits | 70.5030% | 3,653 |
| Net loans and leases to core deposits | 75.9417% | 3,625 |
| Total domestic deposits to total assets | 76.8389% | 6,423 |
| Equity capital to assets | 12.0611% | 1,999 |
| Core capital (leverage) ratio | 12.0962% | 1,535 |
| Tier 1 risk-based capital ratio | 18.9419% | 2,007 |
| Total risk-based capital ratio | 20.1949% | 1,962 |
| Memoranda: | ||
| Average total assets | $210,692,000 | 2,981 |
| Average earning assets | $184,745,000 | 3,083 |
| Average equity | $25,757,500 | 2,594 |
| Average total loans | $120,142,000 | 3,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8934% | 109 |
| Cost of funding earning assets | 1.5238% | 652 |
| Net interest margin | 5.3696% | 214 |
| Noninterest income to average assets | 1.1815% | 948 |
| Noninterest expense to average assets | 4.4260% | 631 |
| Loan and lease loss provision to assets | 0.3028% | 3,246 |
| Net operating income to assets | 0.7971% | 3,049 |
| Return on assets (ROA) | 0.9070% | 2,697 |
| Pretax return on assets | 1.3149% | 2,072 |
| Return on Equity (ROE) | 7.6308% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.8530% | 2,749 |
| Net charge-offs to loans | 0.6031% | 2,642 |
| Credit loss provision to net charge-offs | 86.3201% | 4,189 |
| Earnings coverage of net charge-offs (x) | 4.1573% | 3,241 |
| Efficiency ratio | 75.2161% | 3,025 |
| Assets per employee ($millions) | 1.9493% | 7,176 |
| Cash dividends to net income (ytd only)* | 36.4021% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,489 |
| Loan loss allowance to noncurrent loans | 69.1057% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 3.9191% | 1,464 |
| Noncurrent loans to loans | 2.0167% | 3,181 |
| Net loans and leases to total assets | 58.2121% | 4,331 |
| Net loans and leases to deposits | 76.8227% | 3,036 |
| Net loans and leases to core deposits | 82.8514% | 3,048 |
| Total domestic deposits to total assets | 75.7747% | 6,513 |
| Equity capital to assets | 12.3958% | 1,859 |
| Core capital (leverage) ratio | 11.7899% | 1,712 |
| Tier 1 risk-based capital ratio | 18.3482% | 2,092 |
| Total risk-based capital ratio | 19.5996% | 2,062 |
| Memoranda: | ||
| Average total assets | $208,382,000 | 2,966 |
| Average earning assets | $182,508,600 | 3,056 |
| Average equity | $24,768,000 | 2,604 |
| Average total loans | $121,214,800 | 3,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9101% | 111 |
| Cost of funding earning assets | 1.5590% | 696 |
| Net interest margin | 5.3511% | 225 |
| Noninterest income to average assets | 1.1582% | 977 |
| Noninterest expense to average assets | 4.5448% | 559 |
| Loan and lease loss provision to assets | 0.2439% | 3,563 |
| Net operating income to assets | 0.6573% | 3,837 |
| Return on assets (ROA) | 0.7930% | 3,361 |
| Pretax return on assets | 1.2693% | 2,402 |
| Return on Equity (ROE) | 6.7434% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.7434% | 2,113 |
| Net charge-offs to loans | 0.7514% | 2,060 |
| Credit loss provision to net charge-offs | 56.0117% | 4,897 |
| Earnings coverage of net charge-offs (x) | 2.9883% | 3,641 |
| Efficiency ratio | 77.7414% | 2,578 |
| Assets per employee ($millions) | 2.0080% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,344 |
| Loan loss allowance to noncurrent loans | 98.2962% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 3.8202% | 1,620 |
| Noncurrent loans to loans | 1.2515% | 4,446 |
| Net loans and leases to total assets | 56.0526% | 4,831 |
| Net loans and leases to deposits | 73.1280% | 3,786 |
| Net loans and leases to core deposits | 78.5158% | 3,825 |
| Total domestic deposits to total assets | 76.6501% | 6,431 |
| Equity capital to assets | 11.9721% | 2,273 |
| Core capital (leverage) ratio | 11.9156% | 1,753 |
| Tier 1 risk-based capital ratio | 18.3963% | 2,121 |
| Total risk-based capital ratio | 19.5016% | 2,137 |
| Memoranda: | ||
| Average total assets | $208,820,750 | 2,970 |
| Average earning assets | $182,935,750 | 3,066 |
| Average equity | $24,556,750 | 2,627 |
| Average total loans | $121,023,000 | 3,177 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9162% | 119 |
| Cost of funding earning assets | 1.6270% | 627 |
| Net interest margin | 5.2893% | 249 |
| Noninterest income to average assets | 1.0473% | 1,200 |
| Noninterest expense to average assets | 4.5134% | 588 |
| Loan and lease loss provision to assets | 0.2563% | 3,351 |
| Net operating income to assets | 0.5653% | 4,238 |
| Return on assets (ROA) | 0.7708% | 3,330 |
| Pretax return on assets | 1.2330% | 2,360 |
| Return on Equity (ROE) | 6.5955% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.5955% | 2,084 |
| Net charge-offs to loans | 1.0189% | 1,548 |
| Credit loss provision to net charge-offs | 43.0894% | 4,756 |
| Earnings coverage of net charge-offs (x) | 1.9642% | 3,881 |
| Efficiency ratio | 79.4383% | 2,474 |
| Assets per employee ($millions) | 1.9408% | 7,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,490 |
| Loan loss allowance to noncurrent loans | 104.3165% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 3.7646% | 1,732 |
| Noncurrent loans to loans | 1.1638% | 4,710 |
| Net loans and leases to total assets | 55.2635% | 5,109 |
| Net loans and leases to deposits | 71.8513% | 4,138 |
| Net loans and leases to core deposits | 77.4287% | 4,131 |
| Total domestic deposits to total assets | 76.9137% | 6,465 |
| Equity capital to assets | 11.6919% | 2,333 |
| Core capital (leverage) ratio | 11.5477% | 1,883 |
| Tier 1 risk-based capital ratio | 18.0102% | 2,171 |
| Total risk-based capital ratio | 19.0753% | 2,181 |
| Memoranda: | ||
| Average total assets | $206,808,670 | 3,011 |
| Average earning assets | $181,197,670 | 3,114 |
| Average equity | $24,168,000 | 2,643 |
| Average total loans | $120,719,670 | 3,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9491% | 117 |
| Cost of funding earning assets | 1.6552% | 665 |
| Net interest margin | 5.2939% | 224 |
| Noninterest income to average assets | 1.0852% | 1,117 |
| Noninterest expense to average assets | 4.5668% | 557 |
| Loan and lease loss provision to assets | 0.1160% | 4,562 |
| Net operating income to assets | 0.6616% | 3,699 |
| Return on assets (ROA) | 0.7333% | 3,423 |
| Pretax return on assets | 1.1736% | 2,469 |
| Return on Equity (ROE) | 6.2764% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.2764% | 2,475 |
| Net charge-offs to loans | 0.1285% | 3,743 |
| Credit loss provision to net charge-offs | 151.2821% | 1,896 |
| Earnings coverage of net charge-offs (x) | 15.3590% | 1,319 |
| Efficiency ratio | 79.5003% | 2,619 |
| Assets per employee ($millions) | 1.8339% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 4,270 |
| Loan loss allowance to noncurrent loans | 43.9614% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 4.5187% | 1,440 |
| Noncurrent loans to loans | 3.3845% | 2,215 |
| Net loans and leases to total assets | 58.1500% | 4,623 |
| Net loans and leases to deposits | 75.8467% | 3,442 |
| Net loans and leases to core deposits | 81.9208% | 3,466 |
| Total domestic deposits to total assets | 76.6677% | 6,582 |
| Equity capital to assets | 11.5462% | 2,226 |
| Core capital (leverage) ratio | 11.9426% | 1,592 |
| Tier 1 risk-based capital ratio | 17.5262% | 2,282 |
| Total risk-based capital ratio | 18.7772% | 2,250 |
| Memoranda: | ||
| Average total assets | $203,468,000 | 3,074 |
| Average earning assets | $179,074,000 | 3,164 |
| Average equity | $23,771,500 | 2,665 |
| Average total loans | $121,363,500 | 3,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6511% | 72 |
| Cost of funding earning assets | 1.9204% | 786 |
| Net interest margin | 5.7307% | 127 |
| Noninterest income to average assets | 1.1853% | 1,058 |
| Noninterest expense to average assets | 4.6697% | 562 |
| Loan and lease loss provision to assets | 0.4479% | 3,441 |
| Net operating income to assets | 0.8044% | 2,782 |
| Return on assets (ROA) | 0.8997% | 2,519 |
| Pretax return on assets | 1.2827% | 1,980 |
| Return on Equity (ROE) | 7.8270% | 2,764 |
| Retained earnings to average equity (ytd only) | 4.9793% | 2,419 |
| Net charge-offs to loans | 1.0120% | 2,172 |
| Credit loss provision to net charge-offs | 74.5968% | 5,749 |
| Earnings coverage of net charge-offs (x) | 2.6556% | 3,770 |
| Efficiency ratio | 74.5459% | 3,287 |
| Assets per employee ($millions) | 1.7831% | 7,491 |
| Cash dividends to net income (ytd only)* | 36.3832% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 4,044 |
| Loan loss allowance to noncurrent loans | 43.9883% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.7544% | 1,375 |
| Noncurrent loans to loans | 3.3986% | 2,237 |
| Net loans and leases to total assets | 59.3887% | 4,772 |
| Net loans and leases to deposits | 78.3967% | 3,446 |
| Net loans and leases to core deposits | 85.4434% | 3,404 |
| Total domestic deposits to total assets | 75.7541% | 6,663 |
| Equity capital to assets | 11.8253% | 2,021 |
| Core capital (leverage) ratio | 11.8336% | 1,650 |
| Tier 1 risk-based capital ratio | 17.0465% | 2,333 |
| Total risk-based capital ratio | 18.2943% | 2,298 |
| Memoranda: | ||
| Average total assets | $206,524,400 | 3,022 |
| Average earning assets | $183,031,800 | 3,091 |
| Average equity | $23,738,200 | 2,678 |
| Average total loans | $122,532,200 | 3,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6171% | 78 |
| Cost of funding earning assets | 1.9717% | 824 |
| Net interest margin | 5.6454% | 140 |
| Noninterest income to average assets | 1.1865% | 994 |
| Noninterest expense to average assets | 4.6928% | 492 |
| Loan and lease loss provision to assets | 0.5014% | 2,953 |
| Net operating income to assets | 0.6823% | 3,503 |
| Return on assets (ROA) | 0.8068% | 3,120 |
| Pretax return on assets | 1.1878% | 2,535 |
| Return on Equity (ROE) | 7.0679% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.0679% | 1,806 |
| Net charge-offs to loans | 0.8429% | 2,343 |
| Credit loss provision to net charge-offs | 100.6427% | 4,286 |
| Earnings coverage of net charge-offs (x) | 3.0231% | 3,621 |
| Efficiency ratio | 75.7050% | 3,006 |
| Assets per employee ($millions) | 1.5378% | 7,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 2,738 |
| Loan loss allowance to noncurrent loans | 43.6124% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 5.3030% | 1,176 |
| Noncurrent loans to loans | 4.1617% | 1,768 |
| Net loans and leases to total assets | 56.9277% | 5,422 |
| Net loans and leases to deposits | 75.2941% | 4,299 |
| Net loans and leases to core deposits | 82.7897% | 4,115 |
| Total domestic deposits to total assets | 75.6071% | 6,716 |
| Equity capital to assets | 12.1786% | 2,041 |
| Core capital (leverage) ratio | 11.7991% | 1,766 |
| Tier 1 risk-based capital ratio | 16.4262% | 2,587 |
| Total risk-based capital ratio | 17.6694% | 2,541 |
| Memoranda: | ||
| Average total assets | $208,228,500 | 3,042 |
| Average earning assets | $184,876,500 | 3,113 |
| Average equity | $23,768,750 | 2,722 |
| Average total loans | $123,064,250 | 3,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7860% | 76 |
| Cost of funding earning assets | 2.0319% | 819 |
| Net interest margin | 5.7540% | 127 |
| Noninterest income to average assets | 1.2666% | 804 |
| Noninterest expense to average assets | 4.7870% | 438 |
| Loan and lease loss provision to assets | 0.5749% | 2,471 |
| Net operating income to assets | 0.7236% | 3,301 |
| Return on assets (ROA) | 0.8333% | 2,965 |
| Pretax return on assets | 1.1820% | 2,473 |
| Return on Equity (ROE) | 7.4595% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.4595% | 1,649 |
| Net charge-offs to loans | 0.8949% | 2,047 |
| Credit loss provision to net charge-offs | 108.0357% | 3,771 |
| Earnings coverage of net charge-offs (x) | 3.0071% | 3,495 |
| Efficiency ratio | 74.9479% | 3,275 |
| Assets per employee ($millions) | 1.4182% | 7,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,800 |
| Loan loss allowance to noncurrent loans | 38.8001% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 5.2018% | 1,218 |
| Noncurrent loans to loans | 4.5769% | 1,579 |
| Net loans and leases to total assets | 57.6987% | 5,458 |
| Net loans and leases to deposits | 75.3220% | 4,454 |
| Net loans and leases to core deposits | 84.2545% | 4,108 |
| Total domestic deposits to total assets | 76.6027% | 6,584 |
| Equity capital to assets | 11.6670% | 2,303 |
| Core capital (leverage) ratio | 11.2768% | 2,047 |
| Tier 1 risk-based capital ratio | 17.4850% | 2,105 |
| Total risk-based capital ratio | 18.7397% | 2,068 |
| Memoranda: | ||
| Average total assets | $210,487,330 | 3,047 |
| Average earning assets | $187,311,670 | 3,101 |
| Average equity | $23,513,670 | 2,742 |
| Average total loans | $125,151,670 | 3,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6904% | 89 |
| Cost of funding earning assets | 2.0951% | 827 |
| Net interest margin | 5.5953% | 156 |
| Noninterest income to average assets | 1.4722% | 547 |
| Noninterest expense to average assets | 5.0141% | 361 |
| Loan and lease loss provision to assets | 0.3638% | 3,188 |
| Net operating income to assets | 0.8746% | 2,655 |
| Return on assets (ROA) | 0.8746% | 2,735 |
| Pretax return on assets | 1.0782% | 2,808 |
| Return on Equity (ROE) | 8.0029% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.0029% | 1,706 |
| Net charge-offs to loans | 0.7186% | 2,064 |
| Credit loss provision to net charge-offs | 84.6491% | 3,781 |
| Earnings coverage of net charge-offs (x) | 3.3553% | 2,932 |
| Efficiency ratio | 77.6642% | 2,950 |
| Assets per employee ($millions) | 1.5155% | 7,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,162 |
| Loan loss allowance to noncurrent loans | 56.2771% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 3.6661% | 1,905 |
| Noncurrent loans to loans | 2.9726% | 2,702 |
| Net loans and leases to total assets | 58.4577% | 5,360 |
| Net loans and leases to deposits | 76.2507% | 4,365 |
| Net loans and leases to core deposits | 86.3871% | 3,838 |
| Total domestic deposits to total assets | 76.6652% | 6,630 |
| Equity capital to assets | 11.1995% | 2,594 |
| Core capital (leverage) ratio | 10.7074% | 2,449 |
| Tier 1 risk-based capital ratio | 16.6973% | 2,375 |
| Total risk-based capital ratio | 17.9568% | 2,327 |
| Memoranda: | ||
| Average total assets | $212,200,000 | 3,079 |
| Average earning assets | $189,015,000 | 3,132 |
| Average equity | $23,191,500 | 2,806 |
| Average total loans | $126,911,500 | 3,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5339% | 57 |
| Cost of funding earning assets | 2.4312% | 1,206 |
| Net interest margin | 6.1027% | 105 |
| Noninterest income to average assets | 0.8943% | 1,961 |
| Noninterest expense to average assets | 4.8385% | 586 |
| Loan and lease loss provision to assets | 0.5760% | 3,501 |
| Net operating income to assets | 0.6787% | 3,021 |
| Return on assets (ROA) | 0.7599% | 2,773 |
| Pretax return on assets | 1.1014% | 2,250 |
| Return on Equity (ROE) | 7.1417% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.8495% | 2,512 |
| Net charge-offs to loans | 0.9878% | 2,433 |
| Credit loss provision to net charge-offs | 90.8626% | 5,978 |
| Earnings coverage of net charge-offs (x) | 2.4605% | 3,891 |
| Efficiency ratio | 75.6228% | 3,591 |
| Assets per employee ($millions) | 1.5376% | 7,892 |
| Cash dividends to net income (ytd only)* | 46.0976% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 3,152 |
| Loan loss allowance to noncurrent loans | 129.7546% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 2,726 |
| Noncurrent loans to loans | 1.2588% | 4,834 |
| Net loans and leases to total assets | 59.1701% | 5,468 |
| Net loans and leases to deposits | 76.5817% | 4,645 |
| Net loans and leases to core deposits | 99.2025% | 4,091 |
| Total domestic deposits to total assets | 77.2639% | 6,392 |
| Equity capital to assets | 10.6663% | 3,003 |
| Core capital (leverage) ratio | 10.5581% | 2,546 |
| Tier 1 risk-based capital ratio | 15.8125% | 2,601 |
| Total risk-based capital ratio | 17.0657% | 2,535 |
| Memoranda: | ||
| Average total assets | $215,810,800 | 3,008 |
| Average earning assets | $194,636,600 | 3,040 |
| Average equity | $22,963,800 | 2,830 |
| Average total loans | $138,487,600 | 3,113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5901% | 56 |
| Cost of funding earning assets | 2.4993% | 1,306 |
| Net interest margin | 6.0908% | 102 |
| Noninterest income to average assets | 1.0941% | 1,328 |
| Noninterest expense to average assets | 4.7634% | 583 |
| Loan and lease loss provision to assets | 0.4816% | 3,493 |
| Net operating income to assets | 0.8483% | 2,625 |
| Return on assets (ROA) | 0.8483% | 2,693 |
| Pretax return on assets | 1.3577% | 1,802 |
| Return on Equity (ROE) | 7.9773% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.9773% | 1,144 |
| Net charge-offs to loans | 0.7389% | 2,517 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 3.8192% | 3,378 |
| Efficiency ratio | 72.1433% | 4,219 |
| Assets per employee ($millions) | 1.4973% | 7,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 2,713 |
| Loan loss allowance to noncurrent loans | 144.7964% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 2.5605% | 2,712 |
| Noncurrent loans to loans | 1.1575% | 5,006 |
| Net loans and leases to total assets | 60.5286% | 5,497 |
| Net loans and leases to deposits | 78.6494% | 4,627 |
| Net loans and leases to core deposits | 99.9437% | 4,379 |
| Total domestic deposits to total assets | 76.9600% | 6,345 |
| Equity capital to assets | 10.9894% | 3,014 |
| Core capital (leverage) ratio | 10.5706% | 2,740 |
| Tier 1 risk-based capital ratio | 15.9280% | 2,653 |
| Total risk-based capital ratio | 17.1814% | 2,591 |
| Memoranda: | ||
| Average total assets | $215,947,000 | 3,013 |
| Average earning assets | $195,305,250 | 3,052 |
| Average equity | $22,964,500 | 2,857 |
| Average total loans | $140,737,500 | 3,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7097% | 56 |
| Cost of funding earning assets | 2.5632% | 1,392 |
| Net interest margin | 6.1464% | 99 |
| Noninterest income to average assets | 1.0911% | 1,341 |
| Noninterest expense to average assets | 4.8794% | 562 |
| Loan and lease loss provision to assets | 0.4806% | 3,123 |
| Net operating income to assets | 0.8072% | 2,829 |
| Return on assets (ROA) | 0.8072% | 2,925 |
| Pretax return on assets | 1.2887% | 2,055 |
| Return on Equity (ROE) | 7.6766% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.6766% | 1,324 |
| Net charge-offs to loans | 0.7240% | 2,246 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.6815% | 3,343 |
| Efficiency ratio | 73.3882% | 4,128 |
| Assets per employee ($millions) | 1.4874% | 8,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 2,626 |
| Loan loss allowance to noncurrent loans | 124.6522% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 2,416 |
| Noncurrent loans to loans | 1.3055% | 4,597 |
| Net loans and leases to total assets | 63.2193% | 5,142 |
| Net loans and leases to deposits | 82.9027% | 4,063 |
| Net loans and leases to core deposits | 109.8581% | 3,390 |
| Total domestic deposits to total assets | 76.2572% | 6,497 |
| Equity capital to assets | 10.6760% | 3,226 |
| Core capital (leverage) ratio | 10.4870% | 2,824 |
| Tier 1 risk-based capital ratio | 15.2262% | 2,924 |
| Total risk-based capital ratio | 16.4792% | 2,856 |
| Memoranda: | ||
| Average total assets | $215,559,670 | 3,032 |
| Average earning assets | $194,909,670 | 3,076 |
| Average equity | $22,666,330 | 2,893 |
| Average total loans | $143,099,000 | 3,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7909% | 60 |
| Cost of funding earning assets | 2.6358% | 1,463 |
| Net interest margin | 6.1551% | 93 |
| Noninterest income to average assets | 1.0821% | 1,276 |
| Noninterest expense to average assets | 4.9759% | 497 |
| Loan and lease loss provision to assets | 0.4273% | 2,786 |
| Net operating income to assets | 0.7880% | 3,178 |
| Return on assets (ROA) | 0.7880% | 3,342 |
| Pretax return on assets | 1.2597% | 2,413 |
| Return on Equity (ROE) | 7.5512% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.5512% | 2,001 |
| Net charge-offs to loans | 0.6336% | 1,913 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 3.9481% | 3,019 |
| Efficiency ratio | 74.6807% | 3,708 |
| Assets per employee ($millions) | 1.5111% | 8,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 2,688 |
| Loan loss allowance to noncurrent loans | 69.1145% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.5370% | 2,259 |
| Noncurrent loans to loans | 2.2559% | 2,923 |
| Net loans and leases to total assets | 64.5434% | 4,892 |
| Net loans and leases to deposits | 82.8996% | 4,148 |
| Net loans and leases to core deposits | 109.2988% | 3,526 |
| Total domestic deposits to total assets | 77.8574% | 6,062 |
| Equity capital to assets | 10.3516% | 3,608 |
| Core capital (leverage) ratio | 10.0690% | 3,326 |
| Tier 1 risk-based capital ratio | 14.5746% | 3,274 |
| Total risk-based capital ratio | 15.8277% | 3,198 |
| Memoranda: | ||
| Average total assets | $216,244,000 | 3,040 |
| Average earning assets | $196,066,500 | 3,068 |
| Average equity | $22,566,000 | 2,916 |
| Average total loans | $145,823,500 | 3,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2857% | 60 |
| Cost of funding earning assets | 2.9140% | 2,202 |
| Net interest margin | 6.3717% | 80 |
| Noninterest income to average assets | 1.1864% | 1,082 |
| Noninterest expense to average assets | 4.8947% | 667 |
| Loan and lease loss provision to assets | 0.5203% | 2,733 |
| Net operating income to assets | 1.0495% | 2,350 |
| Return on assets (ROA) | 1.0495% | 2,248 |
| Pretax return on assets | 1.5439% | 1,555 |
| Return on Equity (ROE) | 10.3373% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.9549% | 1,164 |
| Net charge-offs to loans | 0.6398% | 1,926 |
| Credit loss provision to net charge-offs | 120.7424% | 4,450 |
| Earnings coverage of net charge-offs (x) | 4.7904% | 3,855 |
| Efficiency ratio | 70.3373% | 4,282 |
| Assets per employee ($millions) | 1.4818% | 8,167 |
| Cash dividends to net income (ytd only)* | 32.7208% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 2,612 |
| Loan loss allowance to noncurrent loans | 262.6026% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3760% | 3,438 |
| Noncurrent loans to loans | 0.5764% | 5,639 |
| Net loans and leases to total assets | 68.3042% | 4,411 |
| Net loans and leases to deposits | 88.5614% | 3,716 |
| Net loans and leases to core deposits | 118.4451% | 2,840 |
| Total domestic deposits to total assets | 77.1263% | 5,960 |
| Equity capital to assets | 10.5215% | 3,474 |
| Core capital (leverage) ratio | 10.2655% | 3,200 |
| Tier 1 risk-based capital ratio | 14.2702% | 3,412 |
| Total risk-based capital ratio | 15.5225% | 3,329 |
| Memoranda: | ||
| Average total assets | $212,577,400 | 2,971 |
| Average earning assets | $192,586,200 | 3,001 |
| Average equity | $21,582,000 | 3,031 |
| Average total loans | $143,164,200 | 3,034 |