Home > Plains State Bank > Performance and Condition Ratios
Plains State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1845% | 195 |
| Cost of funding earning assets | 1.9610% | 977 |
| Net interest margin | 5.2235% | 257 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.3354% | 2,758 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.2127% | 330 |
| Return on assets (ROA) | 2.2127% | 321 |
| Pretax return on assets | 2.7936% | 258 |
| Return on Equity (ROE) | 15.7900% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.5093% | 574 |
| Net charge-offs to loans | 0.1436% | 711 |
| Credit loss provision to net charge-offs | 102.8139% | 1,810 |
| Earnings coverage of net charge-offs (x) | 25.8377% | 1,723 |
| Efficiency ratio | 43.8980% | 4,252 |
| Assets per employee ($millions) | 9.7303% | 765 |
| Cash dividends to net income (ytd only)* | 20.7845% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,163 |
| Loan loss allowance to noncurrent loans | 273.9787% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,349 |
| Noncurrent loans to loans | 0.5342% | 1,458 |
| Net loans and leases to total assets | 76.2300% | 1,088 |
| Net loans and leases to deposits | 90.7609% | 1,210 |
| Net loans and leases to core deposits | 134.5791% | 340 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 15.0204% | 551 |
| Core capital (leverage) ratio | 15.0422% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $805,384,000 | 1,174 |
| Average earning assets | $779,744,200 | 1,132 |
| Average equity | $112,852,000 | 867 |
| Average total loans | $643,514,800 | 1,034 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1284% | 181 |
| Cost of funding earning assets | 1.8602% | 915 |
| Net interest margin | 5.2682% | 233 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.2804% | 2,852 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.2298% | 360 |
| Return on assets (ROA) | 2.2298% | 350 |
| Pretax return on assets | 2.7987% | 279 |
| Return on Equity (ROE) | 16.2100% | 1,219 |
| Retained earnings to average equity (ytd only) | 11.7357% | 1,019 |
| Net charge-offs to loans | 0.0047% | 2,302 |
| Credit loss provision to net charge-offs | 3,804.3478% | 129 |
| Earnings coverage of net charge-offs (x) | 781.2174% | 205 |
| Efficiency ratio | 43.3043% | 4,259 |
| Assets per employee ($millions) | 9.3662% | 815 |
| Cash dividends to net income (ytd only)* | 27.6027% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 987 |
| Loan loss allowance to noncurrent loans | 151.0941% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 662 |
| Noncurrent loans to loans | 1.0265% | 783 |
| Net loans and leases to total assets | 80.3800% | 599 |
| Net loans and leases to deposits | 95.1862% | 807 |
| Net loans and leases to core deposits | 139.4964% | 228 |
| Total domestic deposits to total assets | 84.4400% | 2,653 |
| Equity capital to assets | 14.5830% | 577 |
| Core capital (leverage) ratio | 14.8006% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $802,394,750 | 1,181 |
| Average earning assets | $778,105,500 | 1,133 |
| Average equity | $110,373,000 | 881 |
| Average total loans | $646,317,250 | 1,030 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9804% | 177 |
| Cost of funding earning assets | 1.7528% | 810 |
| Net interest margin | 5.2276% | 233 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.2733% | 2,882 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 2.2004% | 353 |
| Return on assets (ROA) | 2.2004% | 346 |
| Pretax return on assets | 2.7538% | 262 |
| Return on Equity (ROE) | 16.3200% | 1,213 |
| Retained earnings to average equity (ytd only) | 9.5884% | 1,513 |
| Net charge-offs to loans | 0.0053% | 2,071 |
| Credit loss provision to net charge-offs | 2,647.0588% | 206 |
| Earnings coverage of net charge-offs (x) | 695.7059% | 214 |
| Efficiency ratio | 43.6031% | 4,268 |
| Assets per employee ($millions) | 9.5103% | 775 |
| Cash dividends to net income (ytd only)* | 41.2496% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,293 |
| Loan loss allowance to noncurrent loans | 101.9629% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 330 |
| Noncurrent loans to loans | 1.4366% | 479 |
| Net loans and leases to total assets | 83.3500% | 311 |
| Net loans and leases to deposits | 97.9248% | 610 |
| Net loans and leases to core deposits | 133.8214% | 277 |
| Total domestic deposits to total assets | 85.1100% | 2,514 |
| Equity capital to assets | 14.2464% | 614 |
| Core capital (leverage) ratio | 14.5169% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $804,485,333 | 1,176 |
| Average earning assets | $781,849,000 | 1,127 |
| Average equity | $108,464,333 | 884 |
| Average total loans | $645,089,333 | 1,014 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7563% | 140 |
| Cost of funding earning assets | 1.5972% | 701 |
| Net interest margin | 5.1592% | 230 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2306% | 3,010 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 2.1910% | 375 |
| Return on assets (ROA) | 2.1910% | 371 |
| Pretax return on assets | 2.7409% | 273 |
| Return on Equity (ROE) | 16.7000% | 1,221 |
| Retained earnings to average equity (ytd only) | 3.0724% | 3,488 |
| Net charge-offs to loans | 0.0238% | 1,207 |
| Credit loss provision to net charge-offs | 986.8421% | 365 |
| Earnings coverage of net charge-offs (x) | 157.1579% | 596 |
| Efficiency ratio | 43.2697% | 4,335 |
| Assets per employee ($millions) | 10.5920% | 585 |
| Cash dividends to net income (ytd only)* | 81.6048% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,358 |
| Loan loss allowance to noncurrent loans | 79.3727% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.5792% | 196 |
| Noncurrent loans to loans | 1.8564% | 322 |
| Net loans and leases to total assets | 78.4300% | 722 |
| Net loans and leases to deposits | 91.0764% | 972 |
| Net loans and leases to core deposits | 115.9256% | 539 |
| Total domestic deposits to total assets | 86.1100% | 2,551 |
| Equity capital to assets | 13.1780% | 722 |
| Core capital (leverage) ratio | 13.4381% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $816,807,500 | 1,180 |
| Average earning assets | $794,157,500 | 1,121 |
| Average equity | $107,147,000 | 903 |
| Average total loans | $637,823,000 | 1,030 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 191 |
| Cost of funding earning assets | 0.5908% | 936 |
| Net interest margin | 4.7086% | 202 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.1277% | 3,223 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.0346% | 279 |
| Return on assets (ROA) | 2.0346% | 268 |
| Pretax return on assets | 2.5188% | 206 |
| Return on Equity (ROE) | 16.5000% | 961 |
| Retained earnings to average equity (ytd only) | 15.2950% | 268 |
| Net charge-offs to loans | 0.0364% | 1,362 |
| Credit loss provision to net charge-offs | 436.6812% | 736 |
| Earnings coverage of net charge-offs (x) | 93.7642% | 1,002 |
| Efficiency ratio | 44.6098% | 4,406 |
| Assets per employee ($millions) | 10.2254% | 628 |
| Cash dividends to net income (ytd only)* | 7.2992% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,649 |
| Loan loss allowance to noncurrent loans | 170.2336% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 671 |
| Noncurrent loans to loans | 0.7996% | 931 |
| Net loans and leases to total assets | 75.5300% | 1,060 |
| Net loans and leases to deposits | 87.2525% | 1,229 |
| Net loans and leases to core deposits | 110.7434% | 585 |
| Total domestic deposits to total assets | 86.5700% | 2,545 |
| Equity capital to assets | 13.0578% | 692 |
| Core capital (leverage) ratio | 13.7256% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $812,754,800 | 1,170 |
| Average earning assets | $793,200,800 | 1,122 |
| Average equity | $100,222,200 | 944 |
| Average total loans | $629,635,200 | 1,000 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 223 |
| Cost of funding earning assets | 0.4413% | 1,023 |
| Net interest margin | 4.5239% | 226 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.1321% | 3,124 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.8763% | 363 |
| Return on assets (ROA) | 1.8763% | 355 |
| Pretax return on assets | 2.3439% | 259 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.8127% | 491 |
| Net charge-offs to loans | 0.0030% | 2,132 |
| Credit loss provision to net charge-offs | 7,142.8571% | 78 |
| Earnings coverage of net charge-offs (x) | 1,090.3571% | 136 |
| Efficiency ratio | 45.9474% | 4,383 |
| Assets per employee ($millions) | 10.2181% | 609 |
| Cash dividends to net income (ytd only)* | 10.5701% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 1,704 |
| Loan loss allowance to noncurrent loans | 169.7805% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 830 |
| Noncurrent loans to loans | 0.8081% | 988 |
| Net loans and leases to total assets | 77.8500% | 717 |
| Net loans and leases to deposits | 89.2367% | 947 |
| Net loans and leases to core deposits | 110.7891% | 446 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 12.5897% | 753 |
| Core capital (leverage) ratio | 12.7988% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $811,435,000 | 1,180 |
| Average earning assets | $793,074,750 | 1,132 |
| Average equity | $98,573,500 | 963 |
| Average total loans | $630,438,750 | 990 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 328 |
| Cost of funding earning assets | 0.3402% | 1,363 |
| Net interest margin | 4.2385% | 308 |
| Noninterest income to average assets | 0.2680% | 3,565 |
| Noninterest expense to average assets | 2.0159% | 3,388 |
| Loan and lease loss provision to assets | 0.2461% | 299 |
| Net operating income to assets | 1.7238% | 403 |
| Return on assets (ROA) | 1.7238% | 398 |
| Pretax return on assets | 2.1505% | 268 |
| Return on Equity (ROE) | 14.3631% | 1,024 |
| Retained earnings to average equity (ytd only) | 11.8927% | 622 |
| Net charge-offs to loans | 0.0041% | 1,871 |
| Credit loss provision to net charge-offs | 7,692.3077% | 76 |
| Earnings coverage of net charge-offs (x) | 749.2308% | 186 |
| Efficiency ratio | 45.6867% | 4,466 |
| Assets per employee ($millions) | 10.2824% | 608 |
| Cash dividends to net income (ytd only)* | 17.1995% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.4508% | 688 |
| Net loans and leases to deposits | 86.8327% | 923 |
| Net loans and leases to core deposits | 104.0908% | 509 |
| Total domestic deposits to total assets | 88.0438% | 2,557 |
| Equity capital to assets | 11.7515% | 950 |
| Core capital (leverage) ratio | 12.4963% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $812,836,000 | 1,179 |
| Average earning assets | $794,808,333 | 1,133 |
| Average equity | $97,555,333 | 978 |
| Average total loans | $628,195,333 | 987 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 328 |
| Cost of funding earning assets | 0.3079% | 1,576 |
| Net interest margin | 4.1673% | 300 |
| Noninterest income to average assets | 0.4205% | 2,556 |
| Noninterest expense to average assets | 2.0403% | 3,322 |
| Loan and lease loss provision to assets | 0.2616% | 246 |
| Net operating income to assets | 1.7573% | 361 |
| Return on assets (ROA) | 1.7573% | 363 |
| Pretax return on assets | 2.1918% | 258 |
| Return on Equity (ROE) | 14.4853% | 734 |
| Retained earnings to average equity (ytd only) | 9.5405% | 1,137 |
| Net charge-offs to loans | -0.0045% | 3,310 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4041% | 4,518 |
| Assets per employee ($millions) | 11.1130% | 487 |
| Cash dividends to net income (ytd only)* | 34.1367% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,264 |
| Loan loss allowance to noncurrent loans | 926.0335% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,045 |
| Noncurrent loans to loans | 0.1424% | 3,097 |
| Net loans and leases to total assets | 75.4390% | 543 |
| Net loans and leases to deposits | 85.8145% | 753 |
| Net loans and leases to core deposits | 103.6606% | 409 |
| Total domestic deposits to total assets | 87.9095% | 2,568 |
| Equity capital to assets | 11.8005% | 1,024 |
| Core capital (leverage) ratio | 12.2419% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $802,816,500 | 1,193 |
| Average earning assets | $784,672,000 | 1,148 |
| Average equity | $97,395,500 | 1,005 |
| Average total loans | $619,551,500 | 994 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 611 |
| Cost of funding earning assets | 0.3809% | 1,677 |
| Net interest margin | 4.1049% | 590 |
| Noninterest income to average assets | 0.3991% | 3,052 |
| Noninterest expense to average assets | 2.1961% | 3,101 |
| Loan and lease loss provision to assets | 0.1467% | 816 |
| Net operating income to assets | 1.6543% | 699 |
| Return on assets (ROA) | 1.6698% | 713 |
| Pretax return on assets | 2.0738% | 528 |
| Return on Equity (ROE) | 13.7778% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.6980% | 439 |
| Net charge-offs to loans | -0.0200% | 3,979 |
| Credit loss provision to net charge-offs | -1,004.6729% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9395% | 4,288 |
| Assets per employee ($millions) | 11.0320% | 502 |
| Cash dividends to net income (ytd only)* | 7.8369% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,494 |
| Loan loss allowance to noncurrent loans | 237.0416% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,565 |
| Noncurrent loans to loans | 0.5360% | 1,788 |
| Net loans and leases to total assets | 76.9436% | 447 |
| Net loans and leases to deposits | 88.1673% | 643 |
| Net loans and leases to core deposits | 103.6997% | 417 |
| Total domestic deposits to total assets | 87.2701% | 2,404 |
| Equity capital to assets | 12.4795% | 1,069 |
| Core capital (leverage) ratio | 12.8332% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $732,857,600 | 1,243 |
| Average earning assets | $713,824,200 | 1,198 |
| Average equity | $88,817,000 | 1,115 |
| Average total loans | $533,975,400 | 1,108 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 693 |
| Cost of funding earning assets | 0.4137% | 1,598 |
| Net interest margin | 4.0684% | 691 |
| Noninterest income to average assets | 0.2982% | 3,654 |
| Noninterest expense to average assets | 2.1829% | 3,127 |
| Loan and lease loss provision to assets | 0.0601% | 1,793 |
| Net operating income to assets | 1.6196% | 985 |
| Return on assets (ROA) | 1.6403% | 981 |
| Pretax return on assets | 2.0402% | 747 |
| Return on Equity (ROE) | 13.6449% | 1,502 |
| Retained earnings to average equity (ytd only) | 12.1682% | 803 |
| Net charge-offs to loans | -0.0308% | 4,142 |
| Credit loss provision to net charge-offs | -273.1092% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2740% | 4,101 |
| Assets per employee ($millions) | 9.5504% | 749 |
| Cash dividends to net income (ytd only)* | 10.8227% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,584 |
| Loan loss allowance to noncurrent loans | 201.8119% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 1,607 |
| Noncurrent loans to loans | 0.6346% | 1,726 |
| Net loans and leases to total assets | 73.5471% | 729 |
| Net loans and leases to deposits | 84.7547% | 913 |
| Net loans and leases to core deposits | 99.8730% | 592 |
| Total domestic deposits to total assets | 86.7764% | 2,440 |
| Equity capital to assets | 12.9534% | 994 |
| Core capital (leverage) ratio | 12.8376% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,254,250 | 1,281 |
| Average earning assets | $700,895,250 | 1,231 |
| Average equity | $86,584,250 | 1,151 |
| Average total loans | $514,861,000 | 1,157 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 1,069 |
| Cost of funding earning assets | 0.4529% | 1,499 |
| Net interest margin | 3.8074% | 1,129 |
| Noninterest income to average assets | 0.1840% | 4,281 |
| Noninterest expense to average assets | 2.1943% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3448% | 1,728 |
| Return on assets (ROA) | 1.3761% | 1,710 |
| Pretax return on assets | 1.7287% | 1,413 |
| Return on Equity (ROE) | 11.7596% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.4751% | 1,559 |
| Net charge-offs to loans | -0.0341% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4979% | 3,478 |
| Assets per employee ($millions) | 9.5094% | 709 |
| Cash dividends to net income (ytd only)* | 19.4269% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,447 |
| Loan loss allowance to noncurrent loans | 152.1590% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 421 |
| Noncurrent loans to loans | 0.8529% | 1,443 |
| Net loans and leases to total assets | 70.0882% | 1,186 |
| Net loans and leases to deposits | 80.5435% | 1,378 |
| Net loans and leases to core deposits | 95.1722% | 847 |
| Total domestic deposits to total assets | 87.0190% | 2,308 |
| Equity capital to assets | 12.6110% | 1,085 |
| Core capital (leverage) ratio | 12.1809% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $715,211,333 | 1,279 |
| Average earning assets | $695,013,333 | 1,229 |
| Average equity | $83,693,333 | 1,175 |
| Average total loans | $503,858,000 | 1,177 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 1,200 |
| Cost of funding earning assets | 0.5040% | 1,368 |
| Net interest margin | 3.6981% | 1,334 |
| Noninterest income to average assets | -0.1496% | 4,963 |
| Noninterest expense to average assets | 2.1190% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0980% | 2,483 |
| Return on assets (ROA) | 1.1256% | 2,470 |
| Pretax return on assets | 1.3578% | 2,400 |
| Return on Equity (ROE) | 10.0138% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.2320% | 3,157 |
| Net charge-offs to loans | -0.0753% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5347% | 2,833 |
| Assets per employee ($millions) | 10.3339% | 538 |
| Cash dividends to net income (ytd only)* | 47.7522% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,236 |
| Loan loss allowance to noncurrent loans | 116.7192% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 396 |
| Noncurrent loans to loans | 1.1511% | 1,159 |
| Net loans and leases to total assets | 66.7257% | 1,694 |
| Net loans and leases to deposits | 76.2592% | 1,884 |
| Net loans and leases to core deposits | 90.3066% | 1,212 |
| Total domestic deposits to total assets | 87.4985% | 2,089 |
| Equity capital to assets | 12.0236% | 1,272 |
| Core capital (leverage) ratio | 12.1631% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $711,461,500 | 1,269 |
| Average earning assets | $691,265,000 | 1,230 |
| Average equity | $79,969,500 | 1,212 |
| Average total loans | $499,189,500 | 1,188 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 760 |
| Cost of funding earning assets | 0.9917% | 611 |
| Net interest margin | 3.7884% | 1,535 |
| Noninterest income to average assets | 0.4175% | 3,021 |
| Noninterest expense to average assets | 2.1754% | 3,738 |
| Loan and lease loss provision to assets | 0.2262% | 1,730 |
| Net operating income to assets | 1.3177% | 1,203 |
| Return on assets (ROA) | 1.3204% | 1,298 |
| Pretax return on assets | 1.6806% | 888 |
| Return on Equity (ROE) | 12.6673% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6673% | 264 |
| Net charge-offs to loans | 0.0605% | 1,911 |
| Credit loss provision to net charge-offs | 489.8649% | 1,270 |
| Earnings coverage of net charge-offs (x) | 41.2196% | 1,357 |
| Efficiency ratio | 53.3351% | 4,275 |
| Assets per employee ($millions) | 10.1356% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 2,367 |
| Loan loss allowance to noncurrent loans | 102.0332% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 334 |
| Noncurrent loans to loans | 1.2831% | 1,067 |
| Net loans and leases to total assets | 71.9030% | 1,299 |
| Net loans and leases to deposits | 80.7013% | 1,792 |
| Net loans and leases to core deposits | 98.5889% | 979 |
| Total domestic deposits to total assets | 89.0977% | 945 |
| Equity capital to assets | 10.4061% | 2,747 |
| Core capital (leverage) ratio | 10.5666% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,028,800 | 1,268 |
| Average earning assets | $619,517,200 | 1,230 |
| Average equity | $66,817,800 | 1,348 |
| Average total loans | $489,621,200 | 1,159 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 640 |
| Cost of funding earning assets | 1.1197% | 497 |
| Net interest margin | 3.8458% | 1,485 |
| Noninterest income to average assets | 0.3122% | 3,618 |
| Noninterest expense to average assets | 2.2024% | 3,673 |
| Loan and lease loss provision to assets | 0.2544% | 1,598 |
| Net operating income to assets | 1.2313% | 1,547 |
| Return on assets (ROA) | 1.2350% | 1,653 |
| Pretax return on assets | 1.5731% | 1,262 |
| Return on Equity (ROE) | 11.8426% | 1,418 |
| Retained earnings to average equity (ytd only) | 11.8426% | 450 |
| Net charge-offs to loans | 0.0781% | 1,528 |
| Credit loss provision to net charge-offs | 421.0526% | 1,421 |
| Earnings coverage of net charge-offs (x) | 30.1719% | 1,578 |
| Efficiency ratio | 54.7159% | 4,070 |
| Assets per employee ($millions) | 9.5907% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,547 |
| Loan loss allowance to noncurrent loans | 1,139.2086% | 527 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 1,064 |
| Noncurrent loans to loans | 0.1073% | 3,940 |
| Net loans and leases to total assets | 78.4937% | 771 |
| Net loans and leases to deposits | 88.3275% | 1,448 |
| Net loans and leases to core deposits | 109.9898% | 704 |
| Total domestic deposits to total assets | 88.8667% | 828 |
| Equity capital to assets | 10.6010% | 2,706 |
| Core capital (leverage) ratio | 10.3155% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $628,981,250 | 1,270 |
| Average earning assets | $607,267,250 | 1,232 |
| Average equity | $65,592,000 | 1,352 |
| Average total loans | $486,490,750 | 1,159 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 644 |
| Cost of funding earning assets | 1.2503% | 433 |
| Net interest margin | 3.8852% | 1,607 |
| Noninterest income to average assets | 0.1793% | 4,390 |
| Noninterest expense to average assets | 2.2612% | 3,617 |
| Loan and lease loss provision to assets | 0.2398% | 1,755 |
| Net operating income to assets | 1.1200% | 1,899 |
| Return on assets (ROA) | 1.1200% | 2,020 |
| Pretax return on assets | 1.4278% | 1,650 |
| Return on Equity (ROE) | 10.8026% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.8026% | 637 |
| Net charge-offs to loans | 0.1067% | 1,224 |
| Credit loss provision to net charge-offs | 293.3071% | 1,638 |
| Earnings coverage of net charge-offs (x) | 20.3937% | 1,686 |
| Efficiency ratio | 57.5549% | 3,750 |
| Assets per employee ($millions) | 9.7967% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,771 |
| Loan loss allowance to noncurrent loans | 403.4130% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 951 |
| Noncurrent loans to loans | 0.2856% | 3,358 |
| Net loans and leases to total assets | 77.2623% | 957 |
| Net loans and leases to deposits | 86.5841% | 1,706 |
| Net loans and leases to core deposits | 110.2835% | 728 |
| Total domestic deposits to total assets | 89.2338% | 665 |
| Equity capital to assets | 10.1591% | 3,058 |
| Core capital (leverage) ratio | 10.2154% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,252,667 | 1,264 |
| Average earning assets | $599,551,667 | 1,226 |
| Average equity | $64,410,667 | 1,357 |
| Average total loans | $475,906,333 | 1,164 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 479 |
| Cost of funding earning assets | 1.4580% | 312 |
| Net interest margin | 3.9080% | 1,655 |
| Noninterest income to average assets | 0.2326% | 4,157 |
| Noninterest expense to average assets | 2.0958% | 4,225 |
| Loan and lease loss provision to assets | 0.2650% | 1,177 |
| Net operating income to assets | 1.2868% | 1,278 |
| Return on assets (ROA) | 1.2868% | 1,369 |
| Pretax return on assets | 1.6386% | 976 |
| Return on Equity (ROE) | 12.2766% | 1,038 |
| Retained earnings to average equity (ytd only) | 12.2766% | 393 |
| Net charge-offs to loans | 0.0402% | 1,636 |
| Credit loss provision to net charge-offs | 869.5652% | 630 |
| Earnings coverage of net charge-offs (x) | 62.4565% | 789 |
| Efficiency ratio | 52.4023% | 4,525 |
| Assets per employee ($millions) | 9.3988% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,517 |
| Loan loss allowance to noncurrent loans | 418.6367% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2764% | 928 |
| Noncurrent loans to loans | 0.2936% | 3,451 |
| Net loans and leases to total assets | 77.1276% | 1,113 |
| Net loans and leases to deposits | 86.6486% | 1,916 |
| Net loans and leases to core deposits | 110.1045% | 847 |
| Total domestic deposits to total assets | 89.0119% | 657 |
| Equity capital to assets | 10.7040% | 3,134 |
| Core capital (leverage) ratio | 10.2768% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,691,000 | 1,255 |
| Average earning assets | $581,881,500 | 1,220 |
| Average equity | $63,275,000 | 1,368 |
| Average total loans | $457,339,000 | 1,169 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 373 |
| Cost of funding earning assets | 1.5905% | 312 |
| Net interest margin | 4.1473% | 1,436 |
| Noninterest income to average assets | 0.7117% | 1,771 |
| Noninterest expense to average assets | 2.7876% | 2,646 |
| Loan and lease loss provision to assets | 0.1292% | 1,658 |
| Net operating income to assets | 1.3895% | 1,375 |
| Return on assets (ROA) | 1.3895% | 1,452 |
| Pretax return on assets | 1.8208% | 889 |
| Return on Equity (ROE) | 13.0751% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.0751% | 165 |
| Net charge-offs to loans | 0.0156% | 3,161 |
| Credit loss provision to net charge-offs | 1,060.6061% | 324 |
| Earnings coverage of net charge-offs (x) | 160.0758% | 470 |
| Efficiency ratio | 58.8398% | 3,860 |
| Assets per employee ($millions) | 9.4665% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,332 |
| Loan loss allowance to noncurrent loans | 388.7374% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 783 |
| Noncurrent loans to loans | 0.3133% | 3,316 |
| Net loans and leases to total assets | 72.5491% | 2,000 |
| Net loans and leases to deposits | 81.1298% | 2,652 |
| Net loans and leases to core deposits | 105.4915% | 1,144 |
| Total domestic deposits to total assets | 89.4236% | 518 |
| Equity capital to assets | 10.2603% | 3,665 |
| Core capital (leverage) ratio | 10.4251% | 3,039 |
| Tier 1 risk-based capital ratio | 13.0391% | 3,773 |
| Total risk-based capital ratio | 14.2120% | 3,687 |
| Memoranda: | ||
| Average total assets | $541,787,000 | 1,324 |
| Average earning assets | $525,927,800 | 1,277 |
| Average equity | $57,575,000 | 1,411 |
| Average total loans | $424,277,200 | 1,210 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8306% | 334 |
| Cost of funding earning assets | 1.6070% | 283 |
| Net interest margin | 4.2236% | 1,318 |
| Noninterest income to average assets | 0.4554% | 2,989 |
| Noninterest expense to average assets | 2.6198% | 3,109 |
| Loan and lease loss provision to assets | 0.1268% | 1,525 |
| Net operating income to assets | 1.3846% | 1,512 |
| Return on assets (ROA) | 1.3846% | 1,585 |
| Pretax return on assets | 1.8190% | 1,039 |
| Return on Equity (ROE) | 12.9011% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.9011% | 295 |
| Net charge-offs to loans | 0.0150% | 2,861 |
| Credit loss provision to net charge-offs | 1,063.8298% | 328 |
| Earnings coverage of net charge-offs (x) | 163.2425% | 510 |
| Efficiency ratio | 57.3817% | 4,018 |
| Assets per employee ($millions) | 8.6437% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,759 |
| Loan loss allowance to noncurrent loans | 54.7211% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7040% | 600 |
| Noncurrent loans to loans | 2.1066% | 629 |
| Net loans and leases to total assets | 79.9588% | 851 |
| Net loans and leases to deposits | 89.6871% | 1,738 |
| Net loans and leases to core deposits | 117.5455% | 610 |
| Total domestic deposits to total assets | 89.1531% | 567 |
| Equity capital to assets | 10.6634% | 3,408 |
| Core capital (leverage) ratio | 10.4792% | 3,122 |
| Tier 1 risk-based capital ratio | 12.7416% | 3,999 |
| Total risk-based capital ratio | 13.8919% | 3,931 |
| Memoranda: | ||
| Average total assets | $525,769,500 | 1,363 |
| Average earning assets | $511,655,750 | 1,311 |
| Average equity | $56,428,000 | 1,433 |
| Average total loans | $419,105,750 | 1,226 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 373 |
| Cost of funding earning assets | 1.5875% | 283 |
| Net interest margin | 4.1455% | 1,494 |
| Noninterest income to average assets | 0.4317% | 3,055 |
| Noninterest expense to average assets | 2.6032% | 3,193 |
| Loan and lease loss provision to assets | 0.1168% | 1,606 |
| Net operating income to assets | 1.3287% | 1,664 |
| Return on assets (ROA) | 1.3287% | 1,723 |
| Pretax return on assets | 1.7425% | 1,182 |
| Return on Equity (ROE) | 12.3510% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.3510% | 369 |
| Net charge-offs to loans | 0.0604% | 1,780 |
| Credit loss provision to net charge-offs | 243.9024% | 1,042 |
| Earnings coverage of net charge-offs (x) | 38.8293% | 1,265 |
| Efficiency ratio | 58.3355% | 3,966 |
| Assets per employee ($millions) | 8.4817% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,632 |
| Loan loss allowance to noncurrent loans | 57.0460% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6027% | 673 |
| Noncurrent loans to loans | 2.0665% | 678 |
| Net loans and leases to total assets | 76.6442% | 1,445 |
| Net loans and leases to deposits | 85.8647% | 2,273 |
| Net loans and leases to core deposits | 109.3825% | 1,006 |
| Total domestic deposits to total assets | 89.2616% | 564 |
| Equity capital to assets | 10.6251% | 3,407 |
| Core capital (leverage) ratio | 10.4223% | 3,170 |
| Tier 1 risk-based capital ratio | 13.3453% | 3,660 |
| Total risk-based capital ratio | 14.5314% | 3,603 |
| Memoranda: | ||
| Average total assets | $513,746,670 | 1,392 |
| Average earning assets | $499,526,000 | 1,335 |
| Average equity | $55,267,000 | 1,444 |
| Average total loans | $407,315,000 | 1,261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 338 |
| Cost of funding earning assets | 1.5307% | 295 |
| Net interest margin | 4.2152% | 1,275 |
| Noninterest income to average assets | 0.3109% | 3,789 |
| Noninterest expense to average assets | 2.6795% | 2,970 |
| Loan and lease loss provision to assets | 0.1202% | 1,457 |
| Net operating income to assets | 1.2195% | 1,990 |
| Return on assets (ROA) | 1.2195% | 2,038 |
| Pretax return on assets | 1.6066% | 1,457 |
| Return on Equity (ROE) | 11.2610% | 1,838 |
| Retained earnings to average equity (ytd only) | 11.2610% | 753 |
| Net charge-offs to loans | 0.1189% | 1,028 |
| Credit loss provision to net charge-offs | 126.0504% | 1,377 |
| Earnings coverage of net charge-offs (x) | 18.1092% | 1,636 |
| Efficiency ratio | 60.8111% | 3,701 |
| Assets per employee ($millions) | 7.9061% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,725 |
| Loan loss allowance to noncurrent loans | 51.4860% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 591 |
| Noncurrent loans to loans | 2.2786% | 610 |
| Net loans and leases to total assets | 77.7495% | 1,200 |
| Net loans and leases to deposits | 87.0260% | 1,996 |
| Net loans and leases to core deposits | 95.1565% | 2,010 |
| Total domestic deposits to total assets | 89.3406% | 714 |
| Equity capital to assets | 10.5391% | 3,312 |
| Core capital (leverage) ratio | 10.7050% | 2,840 |
| Tier 1 risk-based capital ratio | 13.0712% | 3,841 |
| Total risk-based capital ratio | 14.2412% | 3,778 |
| Memoranda: | ||
| Average total assets | $499,206,000 | 1,441 |
| Average earning assets | $485,004,500 | 1,381 |
| Average equity | $54,062,500 | 1,471 |
| Average total loans | $400,468,000 | 1,277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 436 |
| Cost of funding earning assets | 1.1711% | 377 |
| Net interest margin | 4.2853% | 1,191 |
| Noninterest income to average assets | 0.5469% | 2,569 |
| Noninterest expense to average assets | 2.6363% | 3,223 |
| Loan and lease loss provision to assets | 0.0330% | 3,532 |
| Net operating income to assets | 1.6026% | 860 |
| Return on assets (ROA) | 1.6026% | 850 |
| Pretax return on assets | 2.0322% | 527 |
| Return on Equity (ROE) | 14.7669% | 883 |
| Retained earnings to average equity (ytd only) | 14.7669% | 128 |
| Net charge-offs to loans | 0.1239% | 1,500 |
| Credit loss provision to net charge-offs | 33.2594% | 3,332 |
| Earnings coverage of net charge-offs (x) | 20.7982% | 1,976 |
| Efficiency ratio | 56.0738% | 4,401 |
| Assets per employee ($millions) | 7.0090% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,432 |
| Loan loss allowance to noncurrent loans | 304.6467% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,233 |
| Noncurrent loans to loans | 0.4024% | 3,086 |
| Net loans and leases to total assets | 80.9121% | 815 |
| Net loans and leases to deposits | 91.2696% | 1,632 |
| Net loans and leases to core deposits | 111.9830% | 883 |
| Total domestic deposits to total assets | 88.6518% | 1,002 |
| Equity capital to assets | 11.1479% | 2,554 |
| Core capital (leverage) ratio | 10.9582% | 2,566 |
| Tier 1 risk-based capital ratio | 13.3953% | 3,608 |
| Total risk-based capital ratio | 14.6249% | 3,513 |
| Memoranda: | ||
| Average total assets | $454,194,400 | 1,526 |
| Average earning assets | $440,345,600 | 1,476 |
| Average equity | $49,292,600 | 1,531 |
| Average total loans | $364,069,000 | 1,352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 502 |
| Cost of funding earning assets | 1.0954% | 411 |
| Net interest margin | 4.2290% | 1,289 |
| Noninterest income to average assets | 0.5166% | 2,764 |
| Noninterest expense to average assets | 2.5953% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5999% | 962 |
| Return on assets (ROA) | 1.5999% | 966 |
| Pretax return on assets | 2.0211% | 592 |
| Return on Equity (ROE) | 14.8495% | 908 |
| Retained earnings to average equity (ytd only) | 14.8495% | 184 |
| Net charge-offs to loans | 0.1563% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.2292% | 2,174 |
| Efficiency ratio | 56.2194% | 4,362 |
| Assets per employee ($millions) | 7.3075% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,496 |
| Loan loss allowance to noncurrent loans | 743.3121% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,283 |
| Noncurrent loans to loans | 0.1643% | 4,148 |
| Net loans and leases to total assets | 80.7071% | 911 |
| Net loans and leases to deposits | 90.8852% | 1,775 |
| Net loans and leases to core deposits | 111.9897% | 912 |
| Total domestic deposits to total assets | 88.8011% | 911 |
| Equity capital to assets | 10.8891% | 2,766 |
| Core capital (leverage) ratio | 10.9152% | 2,664 |
| Tier 1 risk-based capital ratio | 13.1383% | 3,823 |
| Total risk-based capital ratio | 14.3624% | 3,751 |
| Memoranda: | ||
| Average total assets | $448,590,000 | 1,549 |
| Average earning assets | $434,889,500 | 1,499 |
| Average equity | $48,332,750 | 1,558 |
| Average total loans | $357,480,500 | 1,376 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 615 |
| Cost of funding earning assets | 1.0268% | 416 |
| Net interest margin | 4.1154% | 1,507 |
| Noninterest income to average assets | 0.5400% | 2,631 |
| Noninterest expense to average assets | 2.5783% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5540% | 1,027 |
| Return on assets (ROA) | 1.5540% | 1,031 |
| Pretax return on assets | 1.9515% | 682 |
| Return on Equity (ROE) | 14.4770% | 963 |
| Retained earnings to average equity (ytd only) | 14.4770% | 238 |
| Net charge-offs to loans | 0.1414% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.4696% | 1,950 |
| Efficiency ratio | 56.9189% | 4,371 |
| Assets per employee ($millions) | 7.3821% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,026 |
| Loan loss allowance to noncurrent loans | 152.5851% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,157 |
| Noncurrent loans to loans | 0.8725% | 1,984 |
| Net loans and leases to total assets | 78.3706% | 1,257 |
| Net loans and leases to deposits | 87.9540% | 2,119 |
| Net loans and leases to core deposits | 103.9997% | 1,399 |
| Total domestic deposits to total assets | 89.1041% | 893 |
| Equity capital to assets | 10.7154% | 2,915 |
| Core capital (leverage) ratio | 10.8637% | 2,643 |
| Tier 1 risk-based capital ratio | 13.3120% | 3,725 |
| Total risk-based capital ratio | 14.5631% | 3,649 |
| Memoranda: | ||
| Average total assets | $442,227,000 | 1,575 |
| Average earning assets | $428,731,330 | 1,519 |
| Average equity | $47,468,330 | 1,587 |
| Average total loans | $349,268,000 | 1,408 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 653 |
| Cost of funding earning assets | 0.9639% | 442 |
| Net interest margin | 4.0693% | 1,517 |
| Noninterest income to average assets | 0.4677% | 3,010 |
| Noninterest expense to average assets | 2.5390% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4923% | 1,097 |
| Return on assets (ROA) | 1.4923% | 1,103 |
| Pretax return on assets | 1.8734% | 773 |
| Return on Equity (ROE) | 13.8900% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.8900% | 416 |
| Net charge-offs to loans | 0.1602% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 14.8540% | 1,688 |
| Efficiency ratio | 57.5422% | 4,408 |
| Assets per employee ($millions) | 7.3415% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,670 |
| Loan loss allowance to noncurrent loans | 318.3280% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 3,434 |
| Noncurrent loans to loans | 0.4549% | 3,170 |
| Net loans and leases to total assets | 76.4826% | 1,464 |
| Net loans and leases to deposits | 85.9875% | 2,170 |
| Net loans and leases to core deposits | 101.6547% | 1,563 |
| Total domestic deposits to total assets | 88.9462% | 1,117 |
| Equity capital to assets | 10.7376% | 2,832 |
| Core capital (leverage) ratio | 10.6873% | 2,749 |
| Tier 1 risk-based capital ratio | 13.1874% | 3,857 |
| Total risk-based capital ratio | 14.4397% | 3,752 |
| Memoranda: | ||
| Average total assets | $434,496,500 | 1,609 |
| Average earning assets | $421,200,500 | 1,549 |
| Average equity | $46,681,000 | 1,621 |
| Average total loans | $342,135,500 | 1,438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 861 |
| Cost of funding earning assets | 0.7604% | 789 |
| Net interest margin | 4.1040% | 1,415 |
| Noninterest income to average assets | 0.6809% | 2,047 |
| Noninterest expense to average assets | 2.6320% | 3,346 |
| Loan and lease loss provision to assets | 0.2423% | 783 |
| Net operating income to assets | 1.2148% | 1,470 |
| Return on assets (ROA) | 1.2148% | 1,499 |
| Pretax return on assets | 1.7830% | 825 |
| Return on Equity (ROE) | 11.3519% | 1,375 |
| Retained earnings to average equity (ytd only) | 11.3519% | 218 |
| Net charge-offs to loans | -0.1308% | 5,433 |
| Credit loss provision to net charge-offs | -234.3602% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5130% | 4,712 |
| Assets per employee ($millions) | 7.3880% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,453 |
| Loan loss allowance to noncurrent loans | 154.6201% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 2,031 |
| Noncurrent loans to loans | 0.9608% | 1,844 |
| Net loans and leases to total assets | 78.7243% | 1,183 |
| Net loans and leases to deposits | 88.5675% | 1,951 |
| Net loans and leases to core deposits | 105.4973% | 1,300 |
| Total domestic deposits to total assets | 88.8862% | 1,052 |
| Equity capital to assets | 10.7500% | 2,892 |
| Core capital (leverage) ratio | 10.8363% | 2,486 |
| Tier 1 risk-based capital ratio | 12.9083% | 3,965 |
| Total risk-based capital ratio | 14.1609% | 3,862 |
| Memoranda: | ||
| Average total assets | $408,126,600 | 1,673 |
| Average earning assets | $395,443,800 | 1,608 |
| Average equity | $43,675,600 | 1,701 |
| Average total loans | $322,708,800 | 1,471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 840 |
| Cost of funding earning assets | 0.7393% | 803 |
| Net interest margin | 4.1086% | 1,372 |
| Noninterest income to average assets | 0.8548% | 1,413 |
| Noninterest expense to average assets | 2.6644% | 3,190 |
| Loan and lease loss provision to assets | 0.3272% | 463 |
| Net operating income to assets | 1.2194% | 1,612 |
| Return on assets (ROA) | 1.2194% | 1,641 |
| Pretax return on assets | 1.8433% | 799 |
| Return on Equity (ROE) | 11.4083% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.4083% | 352 |
| Net charge-offs to loans | 0.0222% | 3,023 |
| Credit loss provision to net charge-offs | 1,866.0377% | 213 |
| Earnings coverage of net charge-offs (x) | 123.8010% | 614 |
| Efficiency ratio | 55.1078% | 4,838 |
| Assets per employee ($millions) | 6.8802% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,870 |
| Loan loss allowance to noncurrent loans | 215.4134% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,948 |
| Noncurrent loans to loans | 0.6518% | 2,758 |
| Net loans and leases to total assets | 79.7858% | 1,015 |
| Net loans and leases to deposits | 90.3521% | 1,769 |
| Net loans and leases to core deposits | 105.0393% | 1,331 |
| Total domestic deposits to total assets | 88.3055% | 1,210 |
| Equity capital to assets | 11.1509% | 2,717 |
| Core capital (leverage) ratio | 10.8160% | 2,629 |
| Tier 1 risk-based capital ratio | 12.8587% | 4,110 |
| Total risk-based capital ratio | 14.1102% | 4,004 |
| Memoranda: | ||
| Average total assets | $403,032,750 | 1,702 |
| Average earning assets | $390,425,250 | 1,640 |
| Average equity | $43,078,500 | 1,742 |
| Average total loans | $317,780,500 | 1,495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 884 |
| Cost of funding earning assets | 0.7153% | 823 |
| Net interest margin | 4.0702% | 1,406 |
| Noninterest income to average assets | 0.8511% | 1,413 |
| Noninterest expense to average assets | 2.6667% | 3,211 |
| Loan and lease loss provision to assets | 0.2238% | 782 |
| Net operating income to assets | 1.2759% | 1,361 |
| Return on assets (ROA) | 1.2759% | 1,389 |
| Pretax return on assets | 1.9032% | 646 |
| Return on Equity (ROE) | 12.1134% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.1134% | 309 |
| Net charge-offs to loans | 0.0261% | 2,692 |
| Credit loss provision to net charge-offs | 1,097.5610% | 364 |
| Earnings coverage of net charge-offs (x) | 104.2927% | 636 |
| Efficiency ratio | 55.6293% | 4,867 |
| Assets per employee ($millions) | 7.1838% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,530 |
| Loan loss allowance to noncurrent loans | 345.0169% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 3,956 |
| Noncurrent loans to loans | 0.3701% | 3,704 |
| Net loans and leases to total assets | 78.5108% | 1,164 |
| Net loans and leases to deposits | 88.5637% | 1,918 |
| Net loans and leases to core deposits | 102.8979% | 1,443 |
| Total domestic deposits to total assets | 88.6490% | 1,133 |
| Equity capital to assets | 10.9426% | 2,874 |
| Core capital (leverage) ratio | 10.4800% | 2,941 |
| Tier 1 risk-based capital ratio | 12.7950% | 4,124 |
| Total risk-based capital ratio | 14.0371% | 4,037 |
| Memoranda: | ||
| Average total assets | $402,066,000 | 1,713 |
| Average earning assets | $389,461,330 | 1,645 |
| Average equity | $42,349,670 | 1,763 |
| Average total loans | $314,211,000 | 1,513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,066 |
| Cost of funding earning assets | 0.6790% | 936 |
| Net interest margin | 3.9498% | 1,607 |
| Noninterest income to average assets | 0.6667% | 2,112 |
| Noninterest expense to average assets | 2.6789% | 3,221 |
| Loan and lease loss provision to assets | 0.2239% | 703 |
| Net operating income to assets | 1.0698% | 1,985 |
| Return on assets (ROA) | 1.0698% | 2,030 |
| Pretax return on assets | 1.5902% | 1,265 |
| Return on Equity (ROE) | 10.3580% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.3580% | 734 |
| Net charge-offs to loans | 0.0103% | 2,626 |
| Credit loss provision to net charge-offs | 2,812.5000% | 122 |
| Earnings coverage of net charge-offs (x) | 227.8750% | 248 |
| Efficiency ratio | 59.6235% | 4,507 |
| Assets per employee ($millions) | 7.1812% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,922 |
| Loan loss allowance to noncurrent loans | 299.2314% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,923 |
| Noncurrent loans to loans | 0.4121% | 3,615 |
| Net loans and leases to total assets | 76.1769% | 1,389 |
| Net loans and leases to deposits | 85.2020% | 2,128 |
| Net loans and leases to core deposits | 99.1756% | 1,570 |
| Total domestic deposits to total assets | 89.4075% | 941 |
| Equity capital to assets | 10.2950% | 3,413 |
| Core capital (leverage) ratio | 10.2669% | 3,166 |
| Tier 1 risk-based capital ratio | 12.6880% | 4,266 |
| Total risk-based capital ratio | 13.9065% | 4,195 |
| Memoranda: | ||
| Average total assets | $401,953,500 | 1,724 |
| Average earning assets | $389,383,500 | 1,660 |
| Average equity | $41,514,000 | 1,797 |
| Average total loans | $311,353,000 | 1,525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 1,088 |
| Cost of funding earning assets | 0.6007% | 1,326 |
| Net interest margin | 4.0856% | 1,414 |
| Noninterest income to average assets | 0.7528% | 1,945 |
| Noninterest expense to average assets | 2.6930% | 3,363 |
| Loan and lease loss provision to assets | 0.4420% | 326 |
| Net operating income to assets | 1.0548% | 2,115 |
| Return on assets (ROA) | 1.0673% | 2,154 |
| Pretax return on assets | 1.5959% | 1,300 |
| Return on Equity (ROE) | 10.1364% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.1364% | 389 |
| Net charge-offs to loans | 0.3593% | 760 |
| Credit loss provision to net charge-offs | 153.9179% | 1,781 |
| Earnings coverage of net charge-offs (x) | 7.0308% | 3,084 |
| Efficiency ratio | 56.5922% | 5,003 |
| Assets per employee ($millions) | 7.3071% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 3,143 |
| Loan loss allowance to noncurrent loans | 185.1889% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 3,246 |
| Noncurrent loans to loans | 0.6466% | 2,914 |
| Net loans and leases to total assets | 76.8727% | 1,383 |
| Net loans and leases to deposits | 86.1406% | 2,149 |
| Net loans and leases to core deposits | 98.3767% | 1,744 |
| Total domestic deposits to total assets | 89.2410% | 988 |
| Equity capital to assets | 10.3624% | 3,314 |
| Core capital (leverage) ratio | 10.3008% | 3,108 |
| Tier 1 risk-based capital ratio | 12.9954% | 4,081 |
| Total risk-based capital ratio | 14.2075% | 4,006 |
| Memoranda: | ||
| Average total assets | $373,264,000 | 1,794 |
| Average earning assets | $361,730,600 | 1,716 |
| Average equity | $39,303,800 | 1,870 |
| Average total loans | $298,363,000 | 1,522 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,163 |
| Cost of funding earning assets | 0.5853% | 1,452 |
| Net interest margin | 4.0746% | 1,464 |
| Noninterest income to average assets | 0.8432% | 1,600 |
| Noninterest expense to average assets | 2.7352% | 3,236 |
| Loan and lease loss provision to assets | 0.5254% | 232 |
| Net operating income to assets | 1.0070% | 2,403 |
| Return on assets (ROA) | 1.0237% | 2,452 |
| Pretax return on assets | 1.5582% | 1,504 |
| Return on Equity (ROE) | 9.6808% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.6808% | 644 |
| Net charge-offs to loans | 0.4249% | 506 |
| Credit loss provision to net charge-offs | 153.6017% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.0169% | 3,045 |
| Efficiency ratio | 56.3199% | 5,026 |
| Assets per employee ($millions) | 6.8061% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 3,310 |
| Loan loss allowance to noncurrent loans | 77.2562% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 1,575 |
| Noncurrent loans to loans | 1.5386% | 1,409 |
| Net loans and leases to total assets | 80.0355% | 892 |
| Net loans and leases to deposits | 90.1432% | 1,733 |
| Net loans and leases to core deposits | 99.6325% | 1,670 |
| Total domestic deposits to total assets | 88.7870% | 1,009 |
| Equity capital to assets | 10.8253% | 3,223 |
| Core capital (leverage) ratio | 10.3069% | 3,220 |
| Tier 1 risk-based capital ratio | 12.7194% | 4,330 |
| Total risk-based capital ratio | 13.9192% | 4,266 |
| Memoranda: | ||
| Average total assets | $367,934,750 | 1,820 |
| Average earning assets | $356,702,750 | 1,741 |
| Average equity | $38,907,750 | 1,896 |
| Average total loans | $296,203,500 | 1,536 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 1,158 |
| Cost of funding earning assets | 0.5606% | 1,612 |
| Net interest margin | 4.0923% | 1,387 |
| Noninterest income to average assets | 0.9617% | 1,211 |
| Noninterest expense to average assets | 2.7736% | 3,120 |
| Loan and lease loss provision to assets | 0.4948% | 268 |
| Net operating income to assets | 1.0266% | 2,265 |
| Return on assets (ROA) | 1.0437% | 2,335 |
| Pretax return on assets | 1.6911% | 1,114 |
| Return on Equity (ROE) | 9.9507% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.9507% | 609 |
| Net charge-offs to loans | 0.0776% | 2,086 |
| Credit loss provision to net charge-offs | 793.8596% | 452 |
| Earnings coverage of net charge-offs (x) | 34.6404% | 1,271 |
| Efficiency ratio | 55.1430% | 5,230 |
| Assets per employee ($millions) | 6.9487% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,879 |
| Loan loss allowance to noncurrent loans | 65.0770% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 1,167 |
| Noncurrent loans to loans | 1.9732% | 1,010 |
| Net loans and leases to total assets | 79.6772% | 955 |
| Net loans and leases to deposits | 89.4058% | 1,821 |
| Net loans and leases to core deposits | 97.7250% | 1,829 |
| Total domestic deposits to total assets | 89.1186% | 869 |
| Equity capital to assets | 10.5304% | 3,604 |
| Core capital (leverage) ratio | 10.1041% | 3,445 |
| Tier 1 risk-based capital ratio | 12.3856% | 4,605 |
| Total risk-based capital ratio | 13.6362% | 4,515 |
| Memoranda: | ||
| Average total assets | $365,801,330 | 1,832 |
| Average earning assets | $354,957,330 | 1,749 |
| Average equity | $38,369,330 | 1,917 |
| Average total loans | $293,869,670 | 1,548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,250 |
| Cost of funding earning assets | 0.5453% | 1,749 |
| Net interest margin | 4.0604% | 1,449 |
| Noninterest income to average assets | 0.7045% | 2,022 |
| Noninterest expense to average assets | 2.7694% | 3,188 |
| Loan and lease loss provision to assets | 0.3933% | 355 |
| Net operating income to assets | 0.9395% | 2,564 |
| Return on assets (ROA) | 0.9416% | 2,666 |
| Pretax return on assets | 1.4877% | 1,631 |
| Return on Equity (ROE) | 8.9953% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.9953% | 1,116 |
| Net charge-offs to loans | 0.0636% | 1,857 |
| Credit loss provision to net charge-offs | 771.7391% | 444 |
| Earnings coverage of net charge-offs (x) | 36.8478% | 1,066 |
| Efficiency ratio | 58.1883% | 4,973 |
| Assets per employee ($millions) | 7.0258% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,785 |
| Loan loss allowance to noncurrent loans | 72.8303% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 1,730 |
| Noncurrent loans to loans | 1.5758% | 1,479 |
| Net loans and leases to total assets | 78.8109% | 976 |
| Net loans and leases to deposits | 88.2349% | 1,804 |
| Net loans and leases to core deposits | 93.0660% | 2,084 |
| Total domestic deposits to total assets | 89.3194% | 934 |
| Equity capital to assets | 10.3071% | 3,735 |
| Core capital (leverage) ratio | 10.0511% | 3,474 |
| Tier 1 risk-based capital ratio | 12.2165% | 4,771 |
| Total risk-based capital ratio | 13.3697% | 4,741 |
| Memoranda: | ||
| Average total assets | $361,087,500 | 1,858 |
| Average earning assets | $350,604,500 | 1,776 |
| Average equity | $37,797,500 | 1,944 |
| Average total loans | $289,374,000 | 1,565 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,126 |
| Cost of funding earning assets | 0.5365% | 1,874 |
| Net interest margin | 4.1563% | 1,266 |
| Noninterest income to average assets | 0.3405% | 4,474 |
| Noninterest expense to average assets | 2.8141% | 3,173 |
| Loan and lease loss provision to assets | 0.0911% | 2,484 |
| Net operating income to assets | 0.9693% | 2,527 |
| Return on assets (ROA) | 0.9693% | 2,598 |
| Pretax return on assets | 1.4679% | 1,654 |
| Return on Equity (ROE) | 9.2445% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.2445% | 598 |
| Net charge-offs to loans | 0.0314% | 3,593 |
| Credit loss provision to net charge-offs | 374.3902% | 799 |
| Earnings coverage of net charge-offs (x) | 64.0976% | 833 |
| Efficiency ratio | 62.7645% | 4,483 |
| Assets per employee ($millions) | 6.7271% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,056 |
| Loan loss allowance to noncurrent loans | 56.8649% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5574% | 1,274 |
| Noncurrent loans to loans | 1.9328% | 1,101 |
| Net loans and leases to total assets | 79.6943% | 882 |
| Net loans and leases to deposits | 89.6666% | 1,658 |
| Net loans and leases to core deposits | 95.6439% | 1,882 |
| Total domestic deposits to total assets | 88.8785% | 1,187 |
| Equity capital to assets | 10.6387% | 3,197 |
| Core capital (leverage) ratio | 10.1654% | 3,302 |
| Tier 1 risk-based capital ratio | 12.5080% | 4,630 |
| Total risk-based capital ratio | 13.6085% | 4,620 |
| Memoranda: | ||
| Average total assets | $337,153,400 | 1,946 |
| Average earning assets | $327,121,200 | 1,858 |
| Average equity | $35,350,800 | 2,016 |
| Average total loans | $260,956,800 | 1,666 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,209 |
| Cost of funding earning assets | 0.5385% | 1,899 |
| Net interest margin | 4.1117% | 1,383 |
| Noninterest income to average assets | 0.3373% | 4,531 |
| Noninterest expense to average assets | 2.7609% | 3,341 |
| Loan and lease loss provision to assets | 0.1226% | 1,857 |
| Net operating income to assets | 0.9190% | 2,868 |
| Return on assets (ROA) | 0.9190% | 2,958 |
| Pretax return on assets | 1.4435% | 1,852 |
| Return on Equity (ROE) | 8.7983% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.7983% | 976 |
| Net charge-offs to loans | 0.0302% | 3,332 |
| Credit loss provision to net charge-offs | 529.3103% | 624 |
| Earnings coverage of net charge-offs (x) | 67.6392% | 831 |
| Efficiency ratio | 62.1829% | 4,542 |
| Assets per employee ($millions) | 6.8454% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,886 |
| Loan loss allowance to noncurrent loans | 72.8588% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 1,869 |
| Noncurrent loans to loans | 1.5891% | 1,564 |
| Net loans and leases to total assets | 77.8730% | 1,120 |
| Net loans and leases to deposits | 87.3733% | 1,982 |
| Net loans and leases to core deposits | 93.5693% | 2,119 |
| Total domestic deposits to total assets | 89.1267% | 961 |
| Equity capital to assets | 10.6185% | 3,452 |
| Core capital (leverage) ratio | 10.1846% | 3,391 |
| Tier 1 risk-based capital ratio | 12.3007% | 4,886 |
| Total risk-based capital ratio | 13.4237% | 4,881 |
| Memoranda: | ||
| Average total assets | $333,989,500 | 1,977 |
| Average earning assets | $324,076,250 | 1,880 |
| Average equity | $34,884,750 | 2,060 |
| Average total loans | $255,727,000 | 1,703 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,438 |
| Cost of funding earning assets | 0.5378% | 1,922 |
| Net interest margin | 3.9971% | 1,643 |
| Noninterest income to average assets | 0.3943% | 4,120 |
| Noninterest expense to average assets | 2.7793% | 3,318 |
| Loan and lease loss provision to assets | 0.1612% | 1,314 |
| Net operating income to assets | 0.8067% | 3,347 |
| Return on assets (ROA) | 0.8067% | 3,451 |
| Pretax return on assets | 1.3314% | 2,240 |
| Return on Equity (ROE) | 7.7678% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,359 |
| Net charge-offs to loans | -0.0239% | 5,229 |
| Credit loss provision to net charge-offs | -890.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4064% | 4,445 |
| Assets per employee ($millions) | 6.6427% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 3,704 |
| Loan loss allowance to noncurrent loans | 72.2425% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 1,941 |
| Noncurrent loans to loans | 1.6815% | 1,546 |
| Net loans and leases to total assets | 76.0923% | 1,356 |
| Net loans and leases to deposits | 85.0772% | 2,172 |
| Net loans and leases to core deposits | 90.2656% | 2,319 |
| Total domestic deposits to total assets | 89.4391% | 931 |
| Equity capital to assets | 10.3667% | 3,595 |
| Core capital (leverage) ratio | 9.9381% | 3,695 |
| Tier 1 risk-based capital ratio | 12.2849% | 4,946 |
| Total risk-based capital ratio | 13.4580% | 4,893 |
| Memoranda: | ||
| Average total assets | $331,229,670 | 2,007 |
| Average earning assets | $321,333,330 | 1,908 |
| Average equity | $34,398,330 | 2,099 |
| Average total loans | $251,083,670 | 1,734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,440 |
| Cost of funding earning assets | 0.5391% | 1,931 |
| Net interest margin | 3.9666% | 1,666 |
| Noninterest income to average assets | 0.3677% | 4,272 |
| Noninterest expense to average assets | 2.9146% | 2,857 |
| Loan and lease loss provision to assets | 0.3262% | 420 |
| Net operating income to assets | 0.5656% | 4,422 |
| Return on assets (ROA) | 0.5656% | 4,523 |
| Pretax return on assets | 0.9736% | 3,593 |
| Return on Equity (ROE) | 5.4411% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.4411% | 2,810 |
| Net charge-offs to loans | 0.1430% | 1,392 |
| Credit loss provision to net charge-offs | 303.4091% | 797 |
| Earnings coverage of net charge-offs (x) | 12.0909% | 1,819 |
| Efficiency ratio | 67.4493% | 3,914 |
| Assets per employee ($millions) | 7.1722% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 3,928 |
| Loan loss allowance to noncurrent loans | 33.5164% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.7013% | 746 |
| Noncurrent loans to loans | 3.6060% | 514 |
| Net loans and leases to total assets | 74.0078% | 1,497 |
| Net loans and leases to deposits | 82.6008% | 2,263 |
| Net loans and leases to core deposits | 87.7664% | 2,355 |
| Total domestic deposits to total assets | 89.5969% | 945 |
| Equity capital to assets | 10.1930% | 3,887 |
| Core capital (leverage) ratio | 9.7974% | 3,896 |
| Tier 1 risk-based capital ratio | 12.2371% | 5,083 |
| Total risk-based capital ratio | 13.3947% | 5,060 |
| Memoranda: | ||
| Average total assets | $327,455,500 | 2,034 |
| Average earning assets | $317,555,000 | 1,943 |
| Average equity | $34,037,500 | 2,124 |
| Average total loans | $246,148,500 | 1,768 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 796 |
| Cost of funding earning assets | 0.5983% | 1,770 |
| Net interest margin | 4.3888% | 901 |
| Noninterest income to average assets | 0.2902% | 5,044 |
| Noninterest expense to average assets | 2.8200% | 3,413 |
| Loan and lease loss provision to assets | 0.0903% | 2,663 |
| Net operating income to assets | 1.0919% | 2,004 |
| Return on assets (ROA) | 1.0919% | 2,063 |
| Pretax return on assets | 1.6231% | 1,167 |
| Return on Equity (ROE) | 10.4831% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.4831% | 444 |
| Net charge-offs to loans | -0.0774% | 6,050 |
| Credit loss provision to net charge-offs | -156.2500% | 5,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5113% | 5,147 |
| Assets per employee ($millions) | 6.7621% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 4,013 |
| Loan loss allowance to noncurrent loans | 46.5188% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9433% | 1,324 |
| Noncurrent loans to loans | 2.5758% | 976 |
| Net loans and leases to total assets | 74.5386% | 1,491 |
| Net loans and leases to deposits | 83.6197% | 2,262 |
| Net loans and leases to core deposits | 88.6514% | 2,424 |
| Total domestic deposits to total assets | 89.1400% | 1,156 |
| Equity capital to assets | 10.6083% | 3,351 |
| Core capital (leverage) ratio | 10.0617% | 3,482 |
| Tier 1 risk-based capital ratio | 13.5723% | 4,370 |
| Total risk-based capital ratio | 14.8073% | 4,312 |
| Memoranda: | ||
| Average total assets | $304,606,000 | 2,133 |
| Average earning assets | $294,498,200 | 2,040 |
| Average equity | $31,727,200 | 2,180 |
| Average total loans | $227,485,000 | 1,841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 641 |
| Cost of funding earning assets | 0.6067% | 1,778 |
| Net interest margin | 4.4939% | 745 |
| Noninterest income to average assets | 0.3221% | 4,861 |
| Noninterest expense to average assets | 2.9405% | 2,990 |
| Loan and lease loss provision to assets | 0.0951% | 2,463 |
| Net operating income to assets | 1.0903% | 2,070 |
| Return on assets (ROA) | 1.0903% | 2,141 |
| Pretax return on assets | 1.6293% | 1,234 |
| Return on Equity (ROE) | 10.5194% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.5194% | 589 |
| Net charge-offs to loans | -0.1159% | 6,185 |
| Credit loss provision to net charge-offs | -110.2564% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3546% | 4,982 |
| Assets per employee ($millions) | 6.7730% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 4,182 |
| Loan loss allowance to noncurrent loans | 44.1672% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 1,380 |
| Noncurrent loans to loans | 2.7341% | 1,030 |
| Net loans and leases to total assets | 74.3634% | 1,462 |
| Net loans and leases to deposits | 83.4003% | 2,240 |
| Net loans and leases to core deposits | 89.3716% | 2,282 |
| Total domestic deposits to total assets | 89.1645% | 1,143 |
| Equity capital to assets | 10.5049% | 3,551 |
| Core capital (leverage) ratio | 10.0308% | 3,636 |
| Tier 1 risk-based capital ratio | 13.5998% | 4,475 |
| Total risk-based capital ratio | 14.8013% | 4,449 |
| Memoranda: | ||
| Average total assets | $301,303,000 | 2,165 |
| Average earning assets | $291,171,750 | 2,075 |
| Average equity | $31,230,250 | 2,214 |
| Average total loans | $224,413,750 | 1,874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 580 |
| Cost of funding earning assets | 0.6110% | 1,802 |
| Net interest margin | 4.5181% | 682 |
| Noninterest income to average assets | 0.3854% | 4,362 |
| Noninterest expense to average assets | 2.9696% | 2,941 |
| Loan and lease loss provision to assets | 0.1444% | 1,715 |
| Net operating income to assets | 1.1112% | 1,897 |
| Return on assets (ROA) | 1.1112% | 1,968 |
| Pretax return on assets | 1.6355% | 1,168 |
| Return on Equity (ROE) | 10.7710% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.7710% | 574 |
| Net charge-offs to loans | -0.2081% | 6,350 |
| Credit loss provision to net charge-offs | -93.4783% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8708% | 5,160 |
| Assets per employee ($millions) | 6.5847% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,142 |
| Loan loss allowance to noncurrent loans | 111.0810% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 3,411 |
| Noncurrent loans to loans | 1.1276% | 2,967 |
| Net loans and leases to total assets | 74.6212% | 1,358 |
| Net loans and leases to deposits | 83.6395% | 2,067 |
| Net loans and leases to core deposits | 90.2609% | 2,105 |
| Total domestic deposits to total assets | 89.2177% | 1,238 |
| Equity capital to assets | 10.5000% | 3,438 |
| Core capital (leverage) ratio | 9.7928% | 3,896 |
| Tier 1 risk-based capital ratio | 13.4808% | 4,595 |
| Total risk-based capital ratio | 14.7318% | 4,536 |
| Memoranda: | ||
| Average total assets | $297,884,330 | 2,188 |
| Average earning assets | $287,731,670 | 2,088 |
| Average equity | $30,730,670 | 2,231 |
| Average total loans | $221,045,670 | 1,895 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 723 |
| Cost of funding earning assets | 0.5973% | 1,992 |
| Net interest margin | 4.3987% | 812 |
| Noninterest income to average assets | 0.4956% | 3,443 |
| Noninterest expense to average assets | 2.8790% | 3,286 |
| Loan and lease loss provision to assets | 0.2912% | 675 |
| Net operating income to assets | 1.0793% | 1,901 |
| Return on assets (ROA) | 1.0793% | 1,968 |
| Pretax return on assets | 1.5736% | 1,225 |
| Return on Equity (ROE) | 10.5584% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.5584% | 826 |
| Net charge-offs to loans | -0.4421% | 6,538 |
| Credit loss provision to net charge-offs | -89.5833% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0066% | 5,540 |
| Assets per employee ($millions) | 7.1109% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,285 |
| Loan loss allowance to noncurrent loans | 112.5147% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 3,634 |
| Noncurrent loans to loans | 1.1282% | 3,168 |
| Net loans and leases to total assets | 73.1799% | 1,399 |
| Net loans and leases to deposits | 81.7152% | 2,077 |
| Net loans and leases to core deposits | 88.0851% | 2,082 |
| Total domestic deposits to total assets | 89.5548% | 1,340 |
| Equity capital to assets | 10.0711% | 3,759 |
| Core capital (leverage) ratio | 9.8578% | 3,780 |
| Tier 1 risk-based capital ratio | 13.1896% | 4,902 |
| Total risk-based capital ratio | 14.4408% | 4,834 |
| Memoranda: | ||
| Average total assets | $295,379,000 | 2,200 |
| Average earning assets | $285,263,500 | 2,107 |
| Average equity | $30,194,000 | 2,263 |
| Average total loans | $217,123,000 | 1,919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 731 |
| Cost of funding earning assets | 0.6947% | 1,855 |
| Net interest margin | 4.4367% | 848 |
| Noninterest income to average assets | 0.8119% | 2,019 |
| Noninterest expense to average assets | 3.4796% | 1,705 |
| Loan and lease loss provision to assets | 0.2102% | 1,758 |
| Net operating income to assets | 0.8664% | 2,943 |
| Return on assets (ROA) | 0.8664% | 3,023 |
| Pretax return on assets | 1.3502% | 1,968 |
| Return on Equity (ROE) | 7.7493% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.7493% | 1,137 |
| Net charge-offs to loans | 0.0080% | 5,295 |
| Credit loss provision to net charge-offs | 3,600.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 267.2667% | 167 |
| Efficiency ratio | 67.2330% | 4,338 |
| Assets per employee ($millions) | 6.3331% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 4,825 |
| Loan loss allowance to noncurrent loans | 82.1853% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 3,358 |
| Noncurrent loans to loans | 1.4195% | 2,762 |
| Net loans and leases to total assets | 71.9977% | 1,677 |
| Net loans and leases to deposits | 81.1690% | 2,300 |
| Net loans and leases to core deposits | 87.5002% | 2,293 |
| Total domestic deposits to total assets | 88.7010% | 1,801 |
| Equity capital to assets | 10.3842% | 3,306 |
| Core capital (leverage) ratio | 10.0291% | 3,521 |
| Tier 1 risk-based capital ratio | 14.4457% | 3,987 |
| Total risk-based capital ratio | 15.6958% | 3,930 |
| Memoranda: | ||
| Average total assets | $256,924,600 | 2,462 |
| Average earning assets | $244,844,000 | 2,375 |
| Average equity | $28,725,000 | 2,325 |
| Average total loans | $186,793,000 | 2,138 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 630 |
| Cost of funding earning assets | 0.7157% | 1,847 |
| Net interest margin | 4.4931% | 749 |
| Noninterest income to average assets | 0.9406% | 1,633 |
| Noninterest expense to average assets | 3.5735% | 1,447 |
| Loan and lease loss provision to assets | 0.2614% | 1,353 |
| Net operating income to assets | 0.8755% | 2,965 |
| Return on assets (ROA) | 0.8755% | 3,077 |
| Pretax return on assets | 1.3727% | 2,025 |
| Return on Equity (ROE) | 7.6749% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,559 |
| Net charge-offs to loans | 0.0125% | 4,890 |
| Credit loss provision to net charge-offs | 2,882.3529% | 116 |
| Earnings coverage of net charge-offs (x) | 180.1456% | 319 |
| Efficiency ratio | 66.8169% | 4,337 |
| Assets per employee ($millions) | 6.2638% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,954 |
| Loan loss allowance to noncurrent loans | 96.8137% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 3,229 |
| Noncurrent loans to loans | 1.2210% | 3,366 |
| Net loans and leases to total assets | 73.5601% | 1,354 |
| Net loans and leases to deposits | 82.6988% | 2,046 |
| Net loans and leases to core deposits | 89.2903% | 2,043 |
| Total domestic deposits to total assets | 88.9494% | 1,578 |
| Equity capital to assets | 10.7450% | 3,014 |
| Core capital (leverage) ratio | 10.5039% | 3,001 |
| Tier 1 risk-based capital ratio | 14.6746% | 3,965 |
| Total risk-based capital ratio | 15.9299% | 3,921 |
| Memoranda: | ||
| Average total assets | $249,908,000 | 2,544 |
| Average earning assets | $237,338,250 | 2,464 |
| Average equity | $28,507,750 | 2,371 |
| Average total loans | $181,589,000 | 2,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 563 |
| Cost of funding earning assets | 0.7465% | 1,731 |
| Net interest margin | 4.5174% | 689 |
| Noninterest income to average assets | 0.8602% | 1,965 |
| Noninterest expense to average assets | 3.6594% | 1,314 |
| Loan and lease loss provision to assets | 0.2588% | 1,429 |
| Net operating income to assets | 0.7830% | 3,386 |
| Return on assets (ROA) | 0.7830% | 3,551 |
| Pretax return on assets | 1.2176% | 2,595 |
| Return on Equity (ROE) | 6.7199% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.7199% | 2,025 |
| Net charge-offs to loans | 0.0011% | 4,896 |
| Credit loss provision to net charge-offs | 31,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,797.0000% | 13 |
| Efficiency ratio | 69.3809% | 3,942 |
| Assets per employee ($millions) | 5.7021% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 5,151 |
| Loan loss allowance to noncurrent loans | 80.5687% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 2,982 |
| Noncurrent loans to loans | 1.4505% | 3,128 |
| Net loans and leases to total assets | 74.4919% | 1,174 |
| Net loans and leases to deposits | 84.1710% | 1,785 |
| Net loans and leases to core deposits | 94.6361% | 1,467 |
| Total domestic deposits to total assets | 88.5007% | 1,911 |
| Equity capital to assets | 11.3359% | 2,433 |
| Core capital (leverage) ratio | 10.5827% | 2,790 |
| Tier 1 risk-based capital ratio | 15.3386% | 3,574 |
| Total risk-based capital ratio | 16.5943% | 3,526 |
| Memoranda: | ||
| Average total assets | $243,429,670 | 2,622 |
| Average earning assets | $230,397,330 | 2,537 |
| Average equity | $28,363,330 | 2,401 |
| Average total loans | $175,285,670 | 2,249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 348 |
| Cost of funding earning assets | 0.7926% | 1,570 |
| Net interest margin | 4.7485% | 440 |
| Noninterest income to average assets | 0.8010% | 2,117 |
| Noninterest expense to average assets | 3.7414% | 1,186 |
| Loan and lease loss provision to assets | 0.2753% | 1,282 |
| Net operating income to assets | 0.7860% | 3,238 |
| Return on assets (ROA) | 0.7860% | 3,369 |
| Pretax return on assets | 1.2532% | 2,402 |
| Return on Equity (ROE) | 6.6515% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.6515% | 2,343 |
| Net charge-offs to loans | 0.0024% | 4,122 |
| Credit loss provision to net charge-offs | 16,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 916.0000% | 24 |
| Efficiency ratio | 69.1260% | 4,126 |
| Assets per employee ($millions) | 5.7369% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,132 |
| Loan loss allowance to noncurrent loans | 79.7601% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 3,212 |
| Noncurrent loans to loans | 1.5175% | 3,274 |
| Net loans and leases to total assets | 68.1902% | 1,972 |
| Net loans and leases to deposits | 77.3762% | 2,437 |
| Net loans and leases to core deposits | 85.4317% | 2,165 |
| Total domestic deposits to total assets | 88.1282% | 2,239 |
| Equity capital to assets | 11.5625% | 2,359 |
| Core capital (leverage) ratio | 10.9404% | 2,306 |
| Tier 1 risk-based capital ratio | 16.8632% | 2,825 |
| Total risk-based capital ratio | 18.1201% | 2,788 |
| Memoranda: | ||
| Average total assets | $239,698,000 | 2,675 |
| Average earning assets | $225,588,500 | 2,607 |
| Average equity | $28,324,500 | 2,424 |
| Average total loans | $168,376,000 | 2,341 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 1,014 |
| Cost of funding earning assets | 0.8032% | 2,638 |
| Net interest margin | 4.4480% | 1,054 |
| Noninterest income to average assets | 1.1774% | 1,139 |
| Noninterest expense to average assets | 3.6369% | 1,530 |
| Loan and lease loss provision to assets | 0.5615% | 1,014 |
| Net operating income to assets | 0.6962% | 3,757 |
| Return on assets (ROA) | 0.7376% | 3,813 |
| Pretax return on assets | 1.1805% | 2,864 |
| Return on Equity (ROE) | 6.1496% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.1496% | 1,991 |
| Net charge-offs to loans | 0.6772% | 1,740 |
| Credit loss provision to net charge-offs | 115.4201% | 2,509 |
| Earnings coverage of net charge-offs (x) | 3.4478% | 3,721 |
| Efficiency ratio | 66.4582% | 4,420 |
| Assets per employee ($millions) | 5.6759% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 5,388 |
| Loan loss allowance to noncurrent loans | 79.8401% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 3,347 |
| Noncurrent loans to loans | 1.4272% | 3,457 |
| Net loans and leases to total assets | 70.7225% | 1,700 |
| Net loans and leases to deposits | 80.6665% | 2,194 |
| Net loans and leases to core deposits | 88.5743% | 2,021 |
| Total domestic deposits to total assets | 87.6727% | 2,431 |
| Equity capital to assets | 12.0862% | 1,991 |
| Core capital (leverage) ratio | 11.3251% | 1,997 |
| Tier 1 risk-based capital ratio | 17.7798% | 2,347 |
| Total risk-based capital ratio | 19.0375% | 2,309 |
| Memoranda: | ||
| Average total assets | $222,609,000 | 2,817 |
| Average earning assets | $207,035,000 | 2,777 |
| Average equity | $26,700,800 | 2,508 |
| Average total loans | $159,928,000 | 2,433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 1,062 |
| Cost of funding earning assets | 0.8060% | 2,893 |
| Net interest margin | 4.4651% | 1,059 |
| Noninterest income to average assets | 0.8681% | 1,950 |
| Noninterest expense to average assets | 3.5985% | 1,562 |
| Loan and lease loss provision to assets | 0.4120% | 1,551 |
| Net operating income to assets | 0.6181% | 4,306 |
| Return on assets (ROA) | 0.6410% | 4,442 |
| Pretax return on assets | 1.0347% | 3,586 |
| Return on Equity (ROE) | 5.3546% | 4,663 |
| Retained earnings to average equity (ytd only) | 5.3546% | 3,123 |
| Net charge-offs to loans | 0.3378% | 2,769 |
| Credit loss provision to net charge-offs | 169.5761% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.8080% | 2,921 |
| Efficiency ratio | 69.7061% | 3,749 |
| Assets per employee ($millions) | 5.7573% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,176 |
| Loan loss allowance to noncurrent loans | 207.8594% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 4,795 |
| Noncurrent loans to loans | 0.5885% | 5,263 |
| Net loans and leases to total assets | 70.4775% | 1,816 |
| Net loans and leases to deposits | 80.3867% | 2,334 |
| Net loans and leases to core deposits | 88.0857% | 2,204 |
| Total domestic deposits to total assets | 87.6730% | 2,244 |
| Equity capital to assets | 11.9917% | 2,264 |
| Core capital (leverage) ratio | 11.2985% | 2,139 |
| Tier 1 risk-based capital ratio | 17.8976% | 2,390 |
| Total risk-based capital ratio | 19.1566% | 2,349 |
| Memoranda: | ||
| Average total assets | $220,083,500 | 2,855 |
| Average earning assets | $204,125,750 | 2,829 |
| Average equity | $26,344,500 | 2,554 |
| Average total loans | $158,291,000 | 2,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 1,238 |
| Cost of funding earning assets | 0.8058% | 3,140 |
| Net interest margin | 4.3983% | 1,201 |
| Noninterest income to average assets | 0.7892% | 2,237 |
| Noninterest expense to average assets | 3.6376% | 1,494 |
| Loan and lease loss provision to assets | 0.3969% | 1,656 |
| Net operating income to assets | 0.5067% | 4,787 |
| Return on assets (ROA) | 0.5067% | 5,047 |
| Pretax return on assets | 0.8307% | 4,353 |
| Return on Equity (ROE) | 4.2360% | 5,163 |
| Retained earnings to average equity (ytd only) | 4.2360% | 3,793 |
| Net charge-offs to loans | 0.1190% | 3,980 |
| Credit loss provision to net charge-offs | 462.3656% | 649 |
| Earnings coverage of net charge-offs (x) | 14.3011% | 1,722 |
| Efficiency ratio | 72.5479% | 3,332 |
| Assets per employee ($millions) | 5.3778% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,232 |
| Loan loss allowance to noncurrent loans | 148.4914% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 4,396 |
| Noncurrent loans to loans | 0.8259% | 4,866 |
| Net loans and leases to total assets | 75.5073% | 1,029 |
| Net loans and leases to deposits | 86.2890% | 1,563 |
| Net loans and leases to core deposits | 100.0703% | 1,096 |
| Total domestic deposits to total assets | 87.5051% | 2,467 |
| Equity capital to assets | 12.2486% | 1,966 |
| Core capital (leverage) ratio | 10.9674% | 2,333 |
| Tier 1 risk-based capital ratio | 17.1190% | 2,619 |
| Total risk-based capital ratio | 18.3750% | 2,576 |
| Memoranda: | ||
| Average total assets | $216,680,670 | 2,907 |
| Average earning assets | $200,804,000 | 2,859 |
| Average equity | $25,920,670 | 2,581 |
| Average total loans | $156,283,330 | 2,517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 1,671 |
| Cost of funding earning assets | 0.7970% | 3,499 |
| Net interest margin | 4.2705% | 1,562 |
| Noninterest income to average assets | 0.8604% | 1,904 |
| Noninterest expense to average assets | 3.8459% | 1,141 |
| Loan and lease loss provision to assets | 0.1862% | 3,108 |
| Net operating income to assets | 0.4582% | 5,003 |
| Return on assets (ROA) | 0.4582% | 5,197 |
| Pretax return on assets | 0.7599% | 4,571 |
| Return on Equity (ROE) | 3.8775% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.8775% | 4,263 |
| Net charge-offs to loans | 0.3730% | 2,187 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.6286% | 2,789 |
| Efficiency ratio | 77.9635% | 2,500 |
| Assets per employee ($millions) | 5.5237% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,853 |
| Loan loss allowance to noncurrent loans | 149.5575% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 4,049 |
| Noncurrent loans to loans | 0.7439% | 5,179 |
| Net loans and leases to total assets | 66.3248% | 2,410 |
| Net loans and leases to deposits | 75.3631% | 2,914 |
| Net loans and leases to core deposits | 89.1389% | 1,938 |
| Total domestic deposits to total assets | 88.0069% | 2,316 |
| Equity capital to assets | 11.6858% | 2,272 |
| Core capital (leverage) ratio | 11.2994% | 2,033 |
| Tier 1 risk-based capital ratio | 18.6439% | 2,095 |
| Total risk-based capital ratio | 19.8952% | 2,062 |
| Memoranda: | ||
| Average total assets | $214,776,000 | 2,946 |
| Average earning assets | $197,730,500 | 2,923 |
| Average equity | $25,377,500 | 2,633 |
| Average total loans | $150,148,500 | 2,630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6795% | 814 |
| Cost of funding earning assets | 0.9905% | 3,447 |
| Net interest margin | 4.6889% | 771 |
| Noninterest income to average assets | 1.7547% | 463 |
| Noninterest expense to average assets | 4.3029% | 718 |
| Loan and lease loss provision to assets | 0.1193% | 5,109 |
| Net operating income to assets | 1.0617% | 1,955 |
| Return on assets (ROA) | 1.1048% | 1,930 |
| Pretax return on assets | 1.7361% | 916 |
| Return on Equity (ROE) | 10.7246% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.7246% | 440 |
| Net charge-offs to loans | 0.1588% | 4,877 |
| Credit loss provision to net charge-offs | 96.1538% | 3,746 |
| Earnings coverage of net charge-offs (x) | 14.4145% | 1,461 |
| Efficiency ratio | 68.6075% | 4,231 |
| Assets per employee ($millions) | 5.0770% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,556 |
| Loan loss allowance to noncurrent loans | 299.8267% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 4,218 |
| Noncurrent loans to loans | 0.3888% | 5,934 |
| Net loans and leases to total assets | 72.2228% | 1,608 |
| Net loans and leases to deposits | 82.3175% | 2,157 |
| Net loans and leases to core deposits | 92.7587% | 1,818 |
| Total domestic deposits to total assets | 87.7369% | 2,316 |
| Equity capital to assets | 11.9608% | 2,154 |
| Core capital (leverage) ratio | 11.1718% | 2,144 |
| Tier 1 risk-based capital ratio | 17.7484% | 2,285 |
| Total risk-based capital ratio | 19.0023% | 2,255 |
| Memoranda: | ||
| Average total assets | $188,639,200 | 3,202 |
| Average earning assets | $174,453,200 | 3,169 |
| Average equity | $19,432,000 | 3,221 |
| Average total loans | $147,361,000 | 2,679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7547% | 769 |
| Cost of funding earning assets | 1.0311% | 3,459 |
| Net interest margin | 4.7236% | 724 |
| Noninterest income to average assets | 1.9910% | 381 |
| Noninterest expense to average assets | 4.3531% | 669 |
| Loan and lease loss provision to assets | 0.0901% | 5,330 |
| Net operating income to assets | 1.1299% | 1,877 |
| Return on assets (ROA) | 1.1299% | 2,000 |
| Pretax return on assets | 1.9319% | 726 |
| Return on Equity (ROE) | 11.4758% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.4758% | 558 |
| Net charge-offs to loans | 0.1885% | 4,288 |
| Credit loss provision to net charge-offs | 60.0962% | 4,808 |
| Earnings coverage of net charge-offs (x) | 13.4902% | 1,613 |
| Efficiency ratio | 66.2937% | 4,671 |
| Assets per employee ($millions) | 5.0431% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,984 |
| Loan loss allowance to noncurrent loans | 82.2974% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 4,667 |
| Noncurrent loans to loans | 1.3022% | 4,364 |
| Net loans and leases to total assets | 79.7237% | 543 |
| Net loans and leases to deposits | 89.2511% | 1,293 |
| Net loans and leases to core deposits | 103.1900% | 1,026 |
| Total domestic deposits to total assets | 89.3252% | 1,237 |
| Equity capital to assets | 10.1086% | 4,196 |
| Core capital (leverage) ratio | 8.8893% | 5,123 |
| Tier 1 risk-based capital ratio | 13.3561% | 4,830 |
| Total risk-based capital ratio | 14.5772% | 4,836 |
| Memoranda: | ||
| Average total assets | $185,029,000 | 3,276 |
| Average earning assets | $171,727,500 | 3,223 |
| Average equity | $18,217,500 | 3,399 |
| Average total loans | $147,101,250 | 2,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7177% | 848 |
| Cost of funding earning assets | 1.0697% | 3,475 |
| Net interest margin | 4.6480% | 819 |
| Noninterest income to average assets | 2.0894% | 341 |
| Noninterest expense to average assets | 4.5694% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1355% | 1,770 |
| Return on assets (ROA) | 1.1355% | 1,841 |
| Pretax return on assets | 1.8312% | 827 |
| Return on Equity (ROE) | 11.6416% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.6416% | 569 |
| Net charge-offs to loans | 0.0111% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 209.2500% | 168 |
| Efficiency ratio | 69.3898% | 4,241 |
| Assets per employee ($millions) | 5.0592% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,817 |
| Loan loss allowance to noncurrent loans | 87.1537% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 4,769 |
| Noncurrent loans to loans | 1.2992% | 4,474 |
| Net loans and leases to total assets | 80.6936% | 477 |
| Net loans and leases to deposits | 90.0819% | 1,261 |
| Net loans and leases to core deposits | 102.7984% | 1,131 |
| Total domestic deposits to total assets | 89.5781% | 1,195 |
| Equity capital to assets | 9.9144% | 4,258 |
| Core capital (leverage) ratio | 8.7154% | 5,197 |
| Tier 1 risk-based capital ratio | 12.9830% | 4,926 |
| Total risk-based capital ratio | 14.2430% | 4,900 |
| Memoranda: | ||
| Average total assets | $182,826,000 | 3,331 |
| Average earning assets | $169,578,330 | 3,283 |
| Average equity | $17,832,670 | 3,446 |
| Average total loans | $144,656,330 | 2,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 733 |
| Cost of funding earning assets | 1.1090% | 3,468 |
| Net interest margin | 4.6951% | 712 |
| Noninterest income to average assets | 1.1603% | 961 |
| Noninterest expense to average assets | 4.3954% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6289% | 3,871 |
| Return on assets (ROA) | 0.6289% | 3,939 |
| Pretax return on assets | 1.0961% | 2,767 |
| Return on Equity (ROE) | 6.5028% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.5028% | 2,374 |
| Net charge-offs to loans | 0.0512% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 896 |
| Efficiency ratio | 77.6613% | 2,902 |
| Assets per employee ($millions) | 4.9141% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 78.9265% | 626 |
| Net loans and leases to deposits | 87.7975% | 1,487 |
| Net loans and leases to core deposits | 103.8251% | 1,072 |
| Total domestic deposits to total assets | 89.8961% | 1,210 |
| Equity capital to assets | 9.7106% | 4,159 |
| Core capital (leverage) ratio | 8.3078% | 5,795 |
| Tier 1 risk-based capital ratio | 12.9113% | 4,886 |
| Total risk-based capital ratio | 14.1031% | 4,913 |
| Memoranda: | ||
| Average total assets | $180,643,000 | 3,377 |
| Average earning assets | $166,643,000 | 3,349 |
| Average equity | $17,469,500 | 3,496 |
| Average total loans | $140,593,500 | 2,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0552% | 767 |
| Cost of funding earning assets | 1.2337% | 4,332 |
| Net interest margin | 4.8214% | 645 |
| Noninterest income to average assets | 1.6845% | 519 |
| Noninterest expense to average assets | 4.3832% | 736 |
| Loan and lease loss provision to assets | 0.5928% | 2,767 |
| Net operating income to assets | 0.5537% | 3,875 |
| Return on assets (ROA) | 0.6117% | 3,786 |
| Pretax return on assets | 1.2259% | 2,152 |
| Return on Equity (ROE) | 5.5873% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.5873% | 2,070 |
| Net charge-offs to loans | 0.0186% | 6,627 |
| Credit loss provision to net charge-offs | 4,136.3636% | 50 |
| Earnings coverage of net charge-offs (x) | 120.5909% | 213 |
| Efficiency ratio | 69.2283% | 4,333 |
| Assets per employee ($millions) | 5.1276% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,113 |
| Loan loss allowance to noncurrent loans | 9,661.1111% | 57 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 4,048 |
| Noncurrent loans to loans | 0.0132% | 7,123 |
| Net loans and leases to total assets | 74.7901% | 1,521 |
| Net loans and leases to deposits | 84.3638% | 2,396 |
| Net loans and leases to core deposits | 95.6985% | 2,046 |
| Total domestic deposits to total assets | 88.6518% | 1,856 |
| Equity capital to assets | 9.6303% | 4,235 |
| Core capital (leverage) ratio | 8.5600% | 5,259 |
| Tier 1 risk-based capital ratio | 13.0466% | 4,564 |
| Total risk-based capital ratio | 14.2890% | 4,532 |
| Memoranda: | ||
| Average total assets | $153,518,600 | 3,817 |
| Average earning assets | $140,954,000 | 3,796 |
| Average equity | $16,806,000 | 3,629 |
| Average total loans | $118,498,600 | 3,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 787 |
| Cost of funding earning assets | 1.2717% | 4,425 |
| Net interest margin | 4.8130% | 662 |
| Noninterest income to average assets | 2.0249% | 366 |
| Noninterest expense to average assets | 4.5087% | 583 |
| Loan and lease loss provision to assets | 0.5804% | 2,610 |
| Net operating income to assets | 0.6484% | 3,651 |
| Return on assets (ROA) | 0.7291% | 3,441 |
| Pretax return on assets | 1.4926% | 1,641 |
| Return on Equity (ROE) | 6.4241% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.4241% | 2,127 |
| Net charge-offs to loans | 0.0012% | 6,663 |
| Credit loss provision to net charge-offs | 64,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 2,152.3308% | 8 |
| Efficiency ratio | 67.3690% | 4,590 |
| Assets per employee ($millions) | 4.8864% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 3,978 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.1153% | 607 |
| Net loans and leases to deposits | 92.3253% | 1,404 |
| Net loans and leases to core deposits | 104.1559% | 1,471 |
| Total domestic deposits to total assets | 87.8581% | 2,047 |
| Equity capital to assets | 10.6938% | 3,292 |
| Core capital (leverage) ratio | 9.1008% | 4,530 |
| Tier 1 risk-based capital ratio | 13.2571% | 4,383 |
| Total risk-based capital ratio | 14.5082% | 4,350 |
| Memoranda: | ||
| Average total assets | $147,032,000 | 3,980 |
| Average earning assets | $135,351,000 | 3,962 |
| Average equity | $16,686,750 | 3,699 |
| Average total loans | $114,133,000 | 3,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1011% | 754 |
| Cost of funding earning assets | 1.2997% | 4,544 |
| Net interest margin | 4.8014% | 661 |
| Noninterest income to average assets | 2.3192% | 288 |
| Noninterest expense to average assets | 4.7395% | 464 |
| Loan and lease loss provision to assets | 0.5482% | 2,591 |
| Net operating income to assets | 0.7745% | 3,092 |
| Return on assets (ROA) | 0.7745% | 3,240 |
| Pretax return on assets | 1.4660% | 1,650 |
| Return on Equity (ROE) | 6.6784% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.6784% | 1,985 |
| Net charge-offs to loans | 0.0389% | 5,819 |
| Credit loss provision to net charge-offs | 1,857.1429% | 217 |
| Earnings coverage of net charge-offs (x) | 68.2381% | 459 |
| Efficiency ratio | 70.1769% | 4,157 |
| Assets per employee ($millions) | 4.8370% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.8868% | 683 |
| Net loans and leases to deposits | 93.3701% | 1,359 |
| Net loans and leases to core deposits | 111.8657% | 1,043 |
| Total domestic deposits to total assets | 86.6303% | 2,737 |
| Equity capital to assets | 10.9224% | 2,947 |
| Core capital (leverage) ratio | 9.4780% | 3,852 |
| Tier 1 risk-based capital ratio | 13.4700% | 4,083 |
| Total risk-based capital ratio | 14.6586% | 4,095 |
| Memoranda: | ||
| Average total assets | $142,292,000 | 4,088 |
| Average earning assets | $131,419,330 | 4,067 |
| Average equity | $16,501,000 | 3,721 |
| Average total loans | $108,081,000 | 3,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 2,458 |
| Cost of funding earning assets | 1.3975% | 4,196 |
| Net interest margin | 4.1322% | 2,311 |
| Noninterest income to average assets | 1.0496% | 1,154 |
| Noninterest expense to average assets | 3.9663% | 1,081 |
| Loan and lease loss provision to assets | 0.1764% | 4,756 |
| Net operating income to assets | 0.3499% | 5,080 |
| Return on assets (ROA) | 0.3499% | 5,200 |
| Pretax return on assets | 0.7233% | 4,156 |
| Return on Equity (ROE) | 2.9205% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.9205% | 4,381 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5106% | 2,348 |
| Assets per employee ($millions) | 4.8598% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.1783% | 2,655 |
| Net loans and leases to deposits | 80.6687% | 3,520 |
| Net loans and leases to core deposits | 96.4541% | 2,534 |
| Total domestic deposits to total assets | 88.2354% | 1,929 |
| Equity capital to assets | 11.2276% | 2,555 |
| Core capital (leverage) ratio | 10.1388% | 2,996 |
| Tier 1 risk-based capital ratio | 14.2138% | 3,527 |
| Total risk-based capital ratio | 15.1839% | 3,662 |
| Memoranda: | ||
| Average total assets | $136,046,500 | 4,274 |
| Average earning assets | $125,648,500 | 4,247 |
| Average equity | $16,298,500 | 3,779 |
| Average total loans | $98,912,500 | 3,990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2247% | 1,178 |
| Cost of funding earning assets | 1.6387% | 4,852 |
| Net interest margin | 4.5861% | 1,008 |
| Noninterest income to average assets | 1.3583% | 806 |
| Noninterest expense to average assets | 5.0098% | 516 |
| Loan and lease loss provision to assets | 0.5418% | 3,659 |
| Net operating income to assets | 0.3670% | 4,264 |
| Return on assets (ROA) | 0.7264% | 2,903 |
| Pretax return on assets | 0.3474% | 4,648 |
| Return on Equity (ROE) | 4.2251% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.2251% | 2,261 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4351% | 1,673 |
| Assets per employee ($millions) | 4.6778% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.0736% | 2,489 |
| Net loans and leases to deposits | 84.0738% | 3,256 |
| Net loans and leases to core deposits | 116.0220% | 2,316 |
| Total domestic deposits to total assets | 86.9161% | 2,556 |
| Equity capital to assets | 12.8488% | 1,570 |
| Core capital (leverage) ratio | 10.5900% | 2,512 |
| Tier 1 risk-based capital ratio | 15.9394% | 2,550 |
| Total risk-based capital ratio | 16.9691% | 2,575 |
| Memoranda: | ||
| Average total assets | $92,099,600 | 5,329 |
| Average earning assets | $83,971,400 | 5,331 |
| Average equity | $15,834,000 | 3,896 |
| Average total loans | $65,037,600 | 5,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2887% | 1,157 |
| Cost of funding earning assets | 1.5911% | 5,448 |
| Net interest margin | 4.6976% | 830 |
| Noninterest income to average assets | 1.2719% | 954 |
| Noninterest expense to average assets | 5.2359% | 417 |
| Loan and lease loss provision to assets | 0.3192% | 4,434 |
| Net operating income to assets | 0.1165% | 5,418 |
| Return on assets (ROA) | 0.2011% | 5,240 |
| Pretax return on assets | 0.0654% | 5,591 |
| Return on Equity (ROE) | 1.0676% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.0676% | 4,721 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5806% | 1,366 |
| Assets per employee ($millions) | 4.2201% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 7,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.9337% | 2,004 |
| Net loans and leases to deposits | 89.0280% | 2,776 |
| Net loans and leases to core deposits | 123.3671% | 1,960 |
| Total domestic deposits to total assets | 85.2919% | 3,078 |
| Equity capital to assets | 14.4520% | 1,157 |
| Core capital (leverage) ratio | 13.0212% | 1,371 |
| Tier 1 risk-based capital ratio | 16.4985% | 2,431 |
| Total risk-based capital ratio | 17.2212% | 2,572 |
| Memoranda: | ||
| Average total assets | $83,549,500 | 5,633 |
| Average earning assets | $75,837,500 | 5,636 |
| Average equity | $15,735,500 | 3,963 |
| Average total loans | $58,011,500 | 5,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3688% | 1,064 |
| Cost of funding earning assets | 1.5057% | 6,116 |
| Net interest margin | 4.8631% | 584 |
| Noninterest income to average assets | 1.3525% | 834 |
| Noninterest expense to average assets | 5.6077% | 365 |
| Loan and lease loss provision to assets | 0.4009% | 3,517 |
| Net operating income to assets | 0.0163% | 5,789 |
| Return on assets (ROA) | 0.1069% | 5,643 |
| Pretax return on assets | -0.1203% | 6,020 |
| Return on Equity (ROE) | 0.5097% | 5,784 |
| Retained earnings to average equity (ytd only) | 0.5097% | 5,002 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5814% | 1,287 |
| Assets per employee ($millions) | 3.7556% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 7,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 72.1559% | 3,177 |
| Net loans and leases to deposits | 87.6084% | 3,239 |
| Net loans and leases to core deposits | 129.4294% | 1,620 |
| Total domestic deposits to total assets | 82.3618% | 4,536 |
| Equity capital to assets | 17.3808% | 616 |
| Core capital (leverage) ratio | 15.6747% | 792 |
| Tier 1 risk-based capital ratio | 16.9457% | 2,322 |
| Total risk-based capital ratio | 17.6284% | 2,440 |
| Memoranda: | ||
| Average total assets | $74,825,330 | 5,953 |
| Average earning assets | $67,610,670 | 5,960 |
| Average equity | $15,695,000 | 3,979 |
| Average total loans | $49,393,000 | 5,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2063% | 1,581 |
| Cost of funding earning assets | 1.4887% | 6,438 |
| Net interest margin | 4.7176% | 739 |
| Noninterest income to average assets | 1.0421% | 1,373 |
| Noninterest expense to average assets | 5.7644% | 322 |
| Loan and lease loss provision to assets | 0.1489% | 5,033 |
| Net operating income to assets | -0.1191% | 6,441 |
| Return on assets (ROA) | -0.1191% | 6,549 |
| Pretax return on assets | -0.6253% | 6,921 |
| Return on Equity (ROE) | -0.5092% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.5092% | 5,767 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0090% | 836 |
| Assets per employee ($millions) | 3.3733% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 7,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.0457% | 5,313 |
| Net loans and leases to deposits | 79.3650% | 4,712 |
| Net loans and leases to core deposits | 107.1734% | 3,776 |
| Total domestic deposits to total assets | 78.1777% | 5,948 |
| Equity capital to assets | 21.2025% | 350 |
| Core capital (leverage) ratio | 18.1602% | 539 |
| Tier 1 risk-based capital ratio | 23.9158% | 1,095 |
| Total risk-based capital ratio | 24.6480% | 1,124 |
| Memoranda: | ||
| Average total assets | $67,171,000 | 6,207 |
| Average earning assets | $60,454,500 | 6,237 |
| Average equity | $15,709,500 | 4,001 |
| Average total loans | $41,320,500 | 6,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 8,121 |
| Cost of funding earning assets | 0.8661% | 8,101 |
| Net interest margin | 2.9503% | 7,032 |
| Noninterest income to average assets | 0.3909% | 5,551 |
| Noninterest expense to average assets | 5.2646% | 559 |
| Loan and lease loss provision to assets | 0.5451% | 2,640 |
| Net operating income to assets | -2.8104% | 7,778 |
| Return on assets (ROA) | -2.8104% | 7,750 |
| Pretax return on assets | -2.8104% | 7,662 |
| Return on Equity (ROE) | -9.7272% | 7,261 |
| Retained earnings to average equity (ytd only) | -9.7272% | 7,051 |
| Net charge-offs to loans | -0.0060% | 7,799 |
| Credit loss provision to net charge-offs | -20,500.0000% | 7,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.2837% | 312 |
| Assets per employee ($millions) | 2.6143% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.6517% | 5,963 |
| Net loans and leases to deposits | 81.4164% | 4,806 |
| Net loans and leases to core deposits | 117.6000% | 2,939 |
| Total domestic deposits to total assets | 73.2675% | 6,784 |
| Equity capital to assets | 26.0839% | 244 |
| Core capital (leverage) ratio | 24.1031% | 280 |
| Tier 1 risk-based capital ratio | 30.1360% | 637 |
| Total risk-based capital ratio | 31.0011% | 635 |
| Memoranda: | ||
| Average total assets | $37,610,000 | 7,324 |
| Average earning assets | $33,251,400 | 7,365 |
| Average equity | $10,866,400 | 5,166 |
| Average total loans | $16,673,200 | 7,541 |