Home > Relyance Bank > Performance and Condition Ratios
Relyance Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 1,826 |
| Cost of funding earning assets | 1.7003% | 1,457 |
| Net interest margin | 3.4158% | 2,372 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.4533% | 2,432 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0338% | 2,111 |
| Return on assets (ROA) | 1.0338% | 2,089 |
| Pretax return on assets | 1.3511% | 1,739 |
| Return on Equity (ROE) | 9.0000% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.4232% | 2,085 |
| Net charge-offs to loans | 0.0468% | 1,409 |
| Credit loss provision to net charge-offs | 21.8818% | 2,299 |
| Earnings coverage of net charge-offs (x) | 38.1400% | 1,471 |
| Efficiency ratio | 64.0974% | 2,595 |
| Assets per employee ($millions) | 7.8798% | 1,502 |
| Cash dividends to net income (ytd only)* | 28.6555% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,195 |
| Loan loss allowance to noncurrent loans | 8,542.1769% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,716 |
| Noncurrent loans to loans | 0.0143% | 3,647 |
| Net loans and leases to total assets | 67.6900% | 2,073 |
| Net loans and leases to deposits | 76.4791% | 2,406 |
| Net loans and leases to core deposits | 85.8585% | 2,315 |
| Total domestic deposits to total assets | 88.5000% | 1,207 |
| Equity capital to assets | 10.2670% | 1,863 |
| Core capital (leverage) ratio | 11.0196% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3065% | 1,758 |
| Memoranda: | ||
| Average total assets | $1,282,699,000 | 816 |
| Average earning assets | $1,164,349,800 | 815 |
| Average equity | $147,293,400 | 681 |
| Average total loans | $976,704,000 | 746 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 1,908 |
| Cost of funding earning assets | 1.4962% | 1,619 |
| Net interest margin | 3.4674% | 2,282 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.5190% | 2,168 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9916% | 2,391 |
| Return on assets (ROA) | 0.9916% | 2,377 |
| Pretax return on assets | 1.3117% | 2,000 |
| Return on Equity (ROE) | 8.3600% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.8810% | 2,975 |
| Net charge-offs to loans | 0.0608% | 1,055 |
| Credit loss provision to net charge-offs | 22.7790% | 2,000 |
| Earnings coverage of net charge-offs (x) | 27.7267% | 1,634 |
| Efficiency ratio | 65.3043% | 2,352 |
| Assets per employee ($millions) | 6.7876% | 2,108 |
| Cash dividends to net income (ytd only)* | 41.6393% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,316.6492% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,103 |
| Noncurrent loans to loans | 0.0929% | 3,111 |
| Net loans and leases to total assets | 79.1800% | 745 |
| Net loans and leases to deposits | 93.9417% | 899 |
| Net loans and leases to core deposits | 106.7617% | 984 |
| Total domestic deposits to total assets | 84.2800% | 2,691 |
| Equity capital to assets | 11.4405% | 1,204 |
| Core capital (leverage) ratio | 12.4182% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0198% | 1,891 |
| Memoranda: | ||
| Average total assets | $1,227,111,750 | 842 |
| Average earning assets | $1,110,368,500 | 851 |
| Average equity | $145,486,000 | 682 |
| Average total loans | $963,058,500 | 756 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 2,006 |
| Cost of funding earning assets | 1.2676% | 1,798 |
| Net interest margin | 3.5260% | 2,208 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.5209% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0479% | 2,265 |
| Return on assets (ROA) | 1.0479% | 2,264 |
| Pretax return on assets | 1.3891% | 1,842 |
| Return on Equity (ROE) | 8.7300% | 3,054 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,356 |
| Net charge-offs to loans | 0.0280% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 63.5909% | 1,167 |
| Efficiency ratio | 64.2062% | 2,458 |
| Assets per employee ($millions) | 6.5112% | 2,275 |
| Cash dividends to net income (ytd only)* | 60.0126% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 1,979 |
| Loan loss allowance to noncurrent loans | 803.0362% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,679 |
| Noncurrent loans to loans | 0.1603% | 2,675 |
| Net loans and leases to total assets | 76.2400% | 1,026 |
| Net loans and leases to deposits | 90.7391% | 1,123 |
| Net loans and leases to core deposits | 99.9751% | 1,240 |
| Total domestic deposits to total assets | 84.0200% | 2,809 |
| Equity capital to assets | 11.6683% | 1,148 |
| Core capital (leverage) ratio | 12.7345% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4980% | 1,728 |
| Memoranda: | ||
| Average total assets | $1,208,532,000 | 845 |
| Average earning assets | $1,092,796,333 | 848 |
| Average equity | $145,060,000 | 679 |
| Average total loans | $941,305,667 | 750 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 1,231 |
| Cost of funding earning assets | 1.0446% | 1,893 |
| Net interest margin | 3.9536% | 1,359 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.8016% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1214% | 2,162 |
| Return on assets (ROA) | 1.1214% | 2,128 |
| Pretax return on assets | 1.4889% | 1,694 |
| Return on Equity (ROE) | 9.2200% | 2,990 |
| Retained earnings to average equity (ytd only) | -1.3043% | 4,153 |
| Net charge-offs to loans | 0.0538% | 825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 35.3600% | 1,239 |
| Efficiency ratio | 65.0467% | 2,319 |
| Assets per employee ($millions) | 6.2993% | 2,504 |
| Cash dividends to net income (ytd only)* | 114.1484% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 1,849 |
| Loan loss allowance to noncurrent loans | 553.7845% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,197 |
| Noncurrent loans to loans | 0.2424% | 2,285 |
| Net loans and leases to total assets | 77.2100% | 853 |
| Net loans and leases to deposits | 92.2027% | 904 |
| Net loans and leases to core deposits | 98.4001% | 1,156 |
| Total domestic deposits to total assets | 83.7300% | 3,147 |
| Equity capital to assets | 12.1003% | 973 |
| Core capital (leverage) ratio | 12.7618% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6328% | 1,755 |
| Memoranda: | ||
| Average total assets | $1,187,461,000 | 872 |
| Average earning assets | $1,072,230,500 | 877 |
| Average equity | $144,450,500 | 696 |
| Average total loans | $928,947,500 | 771 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 1,595 |
| Cost of funding earning assets | 0.3780% | 2,275 |
| Net interest margin | 3.6702% | 1,453 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.7339% | 1,481 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0195% | 2,499 |
| Return on assets (ROA) | 1.0195% | 2,444 |
| Pretax return on assets | 1.3258% | 2,007 |
| Return on Equity (ROE) | 8.1300% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.0784% | 2,614 |
| Net charge-offs to loans | 0.0563% | 1,093 |
| Credit loss provision to net charge-offs | 121.4575% | 1,452 |
| Earnings coverage of net charge-offs (x) | 32.5263% | 1,644 |
| Efficiency ratio | 66.2372% | 2,202 |
| Assets per employee ($millions) | 6.2998% | 2,511 |
| Cash dividends to net income (ytd only)* | 25.2228% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,047 |
| Loan loss allowance to noncurrent loans | 423.3291% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 1,909 |
| Noncurrent loans to loans | 0.2523% | 2,261 |
| Net loans and leases to total assets | 77.3700% | 857 |
| Net loans and leases to deposits | 90.7374% | 996 |
| Net loans and leases to core deposits | 95.8762% | 1,214 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 12.2286% | 874 |
| Core capital (leverage) ratio | 12.9270% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4262% | 1,805 |
| Memoranda: | ||
| Average total assets | $1,166,675,200 | 871 |
| Average earning assets | $1,056,523,200 | 872 |
| Average equity | $146,321,400 | 693 |
| Average total loans | $877,871,800 | 762 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 1,407 |
| Cost of funding earning assets | 0.2586% | 2,622 |
| Net interest margin | 3.6703% | 1,217 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.7411% | 1,374 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9839% | 2,532 |
| Return on assets (ROA) | 0.9839% | 2,509 |
| Pretax return on assets | 1.3082% | 2,021 |
| Return on Equity (ROE) | 7.7900% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.8849% | 2,409 |
| Net charge-offs to loans | 0.0267% | 1,288 |
| Credit loss provision to net charge-offs | 346.8208% | 754 |
| Earnings coverage of net charge-offs (x) | 69.2948% | 1,111 |
| Efficiency ratio | 66.2957% | 2,241 |
| Assets per employee ($millions) | 6.1161% | 2,659 |
| Cash dividends to net income (ytd only)* | 11.6754% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,972 |
| Loan loss allowance to noncurrent loans | 322.1908% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 1,480 |
| Noncurrent loans to loans | 0.3440% | 2,000 |
| Net loans and leases to total assets | 77.5900% | 742 |
| Net loans and leases to deposits | 89.8071% | 900 |
| Net loans and leases to core deposits | 95.7684% | 1,015 |
| Total domestic deposits to total assets | 86.4000% | 2,960 |
| Equity capital to assets | 12.0850% | 871 |
| Core capital (leverage) ratio | 13.0511% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4055% | 1,900 |
| Memoranda: | ||
| Average total assets | $1,160,678,250 | 878 |
| Average earning assets | $1,052,204,750 | 883 |
| Average equity | $146,501,250 | 696 |
| Average total loans | $864,553,750 | 769 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 1,222 |
| Cost of funding earning assets | 0.2079% | 2,809 |
| Net interest margin | 3.6303% | 1,020 |
| Noninterest income to average assets | 0.7977% | 1,049 |
| Noninterest expense to average assets | 2.6684% | 1,465 |
| Loan and lease loss provision to assets | 0.0745% | 1,291 |
| Net operating income to assets | 1.0143% | 2,105 |
| Return on assets (ROA) | 1.0143% | 2,075 |
| Pretax return on assets | 1.3496% | 1,585 |
| Return on Equity (ROE) | 7.9210% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.5677% | 2,152 |
| Net charge-offs to loans | 0.0147% | 1,471 |
| Credit loss provision to net charge-offs | 693.5484% | 518 |
| Earnings coverage of net charge-offs (x) | 132.5484% | 699 |
| Efficiency ratio | 64.9348% | 2,644 |
| Assets per employee ($millions) | 6.0940% | 2,659 |
| Cash dividends to net income (ytd only)* | 17.0853% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,995 |
| Loan loss allowance to noncurrent loans | 288.6312% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 1,433 |
| Noncurrent loans to loans | 0.3944% | 1,947 |
| Net loans and leases to total assets | 74.9647% | 822 |
| Net loans and leases to deposits | 87.1162% | 898 |
| Net loans and leases to core deposits | 91.2394% | 1,053 |
| Total domestic deposits to total assets | 86.0515% | 3,231 |
| Equity capital to assets | 12.2412% | 813 |
| Core capital (leverage) ratio | 12.9474% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7080% | 1,798 |
| Memoranda: | ||
| Average total assets | $1,154,104,333 | 879 |
| Average earning assets | $1,047,473,333 | 889 |
| Average equity | $147,784,667 | 699 |
| Average total loans | $844,006,333 | 772 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 1,049 |
| Cost of funding earning assets | 0.1820% | 3,063 |
| Net interest margin | 3.6410% | 833 |
| Noninterest income to average assets | 0.8087% | 1,025 |
| Noninterest expense to average assets | 2.7655% | 1,225 |
| Loan and lease loss provision to assets | 0.0614% | 1,314 |
| Net operating income to assets | 0.9715% | 1,992 |
| Return on assets (ROA) | 0.9715% | 1,991 |
| Pretax return on assets | 1.2887% | 1,540 |
| Return on Equity (ROE) | 7.4178% | 2,899 |
| Retained earnings to average equity (ytd only) | 7.4178% | 1,757 |
| Net charge-offs to loans | 0.0127% | 1,303 |
| Credit loss provision to net charge-offs | 673.0769% | 436 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 537 |
| Efficiency ratio | 66.9224% | 2,646 |
| Assets per employee ($millions) | 6.0745% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,748 |
| Loan loss allowance to noncurrent loans | 260.8253% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 1,413 |
| Noncurrent loans to loans | 0.4685% | 1,848 |
| Net loans and leases to total assets | 70.3139% | 993 |
| Net loans and leases to deposits | 82.1651% | 1,000 |
| Net loans and leases to core deposits | 84.6308% | 1,214 |
| Total domestic deposits to total assets | 85.5764% | 3,391 |
| Equity capital to assets | 12.8124% | 733 |
| Core capital (leverage) ratio | 12.9949% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5344% | 1,636 |
| Memoranda: | ||
| Average total assets | $1,140,040,000 | 890 |
| Average earning assets | $1,035,430,500 | 899 |
| Average equity | $149,317,000 | 710 |
| Average total loans | $817,777,500 | 785 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 998 |
| Cost of funding earning assets | 0.2326% | 3,109 |
| Net interest margin | 3.9652% | 759 |
| Noninterest income to average assets | 0.9055% | 1,185 |
| Noninterest expense to average assets | 2.9764% | 1,022 |
| Loan and lease loss provision to assets | 0.1862% | 602 |
| Net operating income to assets | 1.0390% | 2,522 |
| Return on assets (ROA) | 1.0390% | 2,593 |
| Pretax return on assets | 1.3563% | 2,186 |
| Return on Equity (ROE) | 8.5366% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.5366% | 1,333 |
| Net charge-offs to loans | 0.0086% | 2,260 |
| Credit loss provision to net charge-offs | 2,905.7971% | 235 |
| Earnings coverage of net charge-offs (x) | 240.6667% | 480 |
| Efficiency ratio | 65.6067% | 2,318 |
| Assets per employee ($millions) | 5.8653% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,876 |
| Loan loss allowance to noncurrent loans | 285.6562% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 1,623 |
| Noncurrent loans to loans | 0.4209% | 2,088 |
| Net loans and leases to total assets | 71.4196% | 889 |
| Net loans and leases to deposits | 84.0355% | 905 |
| Net loans and leases to core deposits | 86.3454% | 1,178 |
| Total domestic deposits to total assets | 84.9874% | 3,275 |
| Equity capital to assets | 13.3867% | 797 |
| Core capital (leverage) ratio | 13.0381% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7132% | 1,612 |
| Memoranda: | ||
| Average total assets | $1,076,552,800 | 910 |
| Average earning assets | $981,065,800 | 920 |
| Average equity | $131,024,800 | 791 |
| Average total loans | $802,086,600 | 794 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 1,048 |
| Cost of funding earning assets | 0.2612% | 3,004 |
| Net interest margin | 3.9785% | 825 |
| Noninterest income to average assets | 0.8439% | 1,400 |
| Noninterest expense to average assets | 2.9448% | 1,052 |
| Loan and lease loss provision to assets | 0.1230% | 952 |
| Net operating income to assets | 1.0563% | 2,708 |
| Return on assets (ROA) | 1.0563% | 2,777 |
| Pretax return on assets | 1.4055% | 2,311 |
| Return on Equity (ROE) | 8.9161% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.9161% | 1,728 |
| Net charge-offs to loans | -0.0977% | 4,604 |
| Credit loss provision to net charge-offs | -167.5214% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8318% | 2,119 |
| Assets per employee ($millions) | 5.6229% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,339 |
| Loan loss allowance to noncurrent loans | 218.6084% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 1,566 |
| Noncurrent loans to loans | 0.5131% | 2,021 |
| Net loans and leases to total assets | 74.4992% | 653 |
| Net loans and leases to deposits | 85.8398% | 835 |
| Net loans and leases to core deposits | 88.4516% | 1,127 |
| Total domestic deposits to total assets | 86.7886% | 2,434 |
| Equity capital to assets | 11.6050% | 1,601 |
| Core capital (leverage) ratio | 11.0428% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3605% | 2,596 |
| Memoranda: | ||
| Average total assets | $1,062,689,500 | 928 |
| Average earning assets | $969,421,500 | 941 |
| Average equity | $125,896,500 | 834 |
| Average total loans | $798,030,250 | 814 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 1,138 |
| Cost of funding earning assets | 0.2798% | 2,982 |
| Net interest margin | 3.9475% | 898 |
| Noninterest income to average assets | 0.8311% | 1,453 |
| Noninterest expense to average assets | 2.9646% | 1,040 |
| Loan and lease loss provision to assets | 0.1044% | 1,207 |
| Net operating income to assets | 1.0211% | 2,820 |
| Return on assets (ROA) | 1.0211% | 2,899 |
| Pretax return on assets | 1.3570% | 2,447 |
| Return on Equity (ROE) | 8.5570% | 3,245 |
| Retained earnings to average equity (ytd only) | 8.5570% | 1,873 |
| Net charge-offs to loans | -0.2046% | 4,797 |
| Credit loss provision to net charge-offs | -68.0400% | 3,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9812% | 2,019 |
| Assets per employee ($millions) | 5.2735% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,262 |
| Loan loss allowance to noncurrent loans | 202.4764% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 1,951 |
| Noncurrent loans to loans | 0.5610% | 1,994 |
| Net loans and leases to total assets | 72.9549% | 858 |
| Net loans and leases to deposits | 83.9595% | 1,072 |
| Net loans and leases to core deposits | 86.8962% | 1,353 |
| Total domestic deposits to total assets | 86.8929% | 2,384 |
| Equity capital to assets | 11.5092% | 1,622 |
| Core capital (leverage) ratio | 11.3305% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7391% | 2,460 |
| Memoranda: | ||
| Average total assets | $1,043,932,667 | 936 |
| Average earning assets | $950,665,667 | 944 |
| Average equity | $124,577,000 | 841 |
| Average total loans | $783,016,000 | 829 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 1,146 |
| Cost of funding earning assets | 0.3092% | 2,897 |
| Net interest margin | 3.9212% | 949 |
| Noninterest income to average assets | 0.8254% | 1,527 |
| Noninterest expense to average assets | 3.0027% | 987 |
| Loan and lease loss provision to assets | 0.0946% | 1,415 |
| Net operating income to assets | 0.9732% | 2,891 |
| Return on assets (ROA) | 0.9732% | 2,986 |
| Pretax return on assets | 1.2925% | 2,587 |
| Return on Equity (ROE) | 8.0006% | 3,316 |
| Retained earnings to average equity (ytd only) | 8.0006% | 2,233 |
| Net charge-offs to loans | -0.0109% | 3,703 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4026% | 1,880 |
| Assets per employee ($millions) | 5.2700% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,656 |
| Loan loss allowance to noncurrent loans | 163.8794% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 1,930 |
| Noncurrent loans to loans | 0.6398% | 1,974 |
| Net loans and leases to total assets | 75.2594% | 698 |
| Net loans and leases to deposits | 87.4317% | 863 |
| Net loans and leases to core deposits | 91.0127% | 1,169 |
| Total domestic deposits to total assets | 86.0780% | 2,703 |
| Equity capital to assets | 12.1520% | 1,221 |
| Core capital (leverage) ratio | 11.7265% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1458% | 2,229 |
| Memoranda: | ||
| Average total assets | $1,014,814,500 | 942 |
| Average earning assets | $922,475,500 | 956 |
| Average equity | $123,440,000 | 836 |
| Average total loans | $767,861,500 | 834 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,135 |
| Cost of funding earning assets | 0.5997% | 2,314 |
| Net interest margin | 3.9798% | 1,016 |
| Noninterest income to average assets | 0.9062% | 1,249 |
| Noninterest expense to average assets | 2.8059% | 1,927 |
| Loan and lease loss provision to assets | 0.3491% | 992 |
| Net operating income to assets | 1.0517% | 2,100 |
| Return on assets (ROA) | 1.0503% | 2,243 |
| Pretax return on assets | 1.3563% | 1,794 |
| Return on Equity (ROE) | 8.3379% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.3379% | 962 |
| Net charge-offs to loans | 0.2306% | 757 |
| Credit loss provision to net charge-offs | 193.5943% | 2,193 |
| Earnings coverage of net charge-offs (x) | 9.4668% | 2,518 |
| Efficiency ratio | 62.1706% | 3,094 |
| Assets per employee ($millions) | 5.1920% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,714 |
| Loan loss allowance to noncurrent loans | 151.9738% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 1,939 |
| Noncurrent loans to loans | 0.6850% | 1,974 |
| Net loans and leases to total assets | 74.4842% | 957 |
| Net loans and leases to deposits | 86.5467% | 1,209 |
| Net loans and leases to core deposits | 90.2516% | 1,508 |
| Total domestic deposits to total assets | 86.0624% | 2,338 |
| Equity capital to assets | 12.1757% | 1,485 |
| Core capital (leverage) ratio | 11.4564% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5751% | 2,024 |
| Memoranda: | ||
| Average total assets | $934,867,600 | 939 |
| Average earning assets | $847,277,800 | 956 |
| Average equity | $117,763,400 | 834 |
| Average total loans | $731,023,000 | 849 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,237 |
| Cost of funding earning assets | 0.6732% | 2,183 |
| Net interest margin | 3.9527% | 1,229 |
| Noninterest income to average assets | 0.8764% | 1,291 |
| Noninterest expense to average assets | 2.8339% | 1,868 |
| Loan and lease loss provision to assets | 0.3115% | 1,282 |
| Net operating income to assets | 0.9959% | 2,354 |
| Return on assets (ROA) | 0.9939% | 2,493 |
| Pretax return on assets | 1.3117% | 2,004 |
| Return on Equity (ROE) | 7.8183% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.8183% | 1,366 |
| Net charge-offs to loans | 0.2807% | 565 |
| Credit loss provision to net charge-offs | 140.4590% | 2,380 |
| Earnings coverage of net charge-offs (x) | 7.3298% | 2,584 |
| Efficiency ratio | 63.5468% | 2,813 |
| Assets per employee ($millions) | 5.2409% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 4,175 |
| Loan loss allowance to noncurrent loans | 77.7740% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 1,194 |
| Noncurrent loans to loans | 1.1139% | 1,355 |
| Net loans and leases to total assets | 80.5087% | 563 |
| Net loans and leases to deposits | 93.6549% | 953 |
| Net loans and leases to core deposits | 98.0348% | 1,302 |
| Total domestic deposits to total assets | 85.9631% | 2,089 |
| Equity capital to assets | 12.1465% | 1,604 |
| Core capital (leverage) ratio | 11.5210% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6588% | 2,343 |
| Memoranda: | ||
| Average total assets | $916,770,250 | 940 |
| Average earning assets | $831,066,500 | 955 |
| Average equity | $116,544,000 | 840 |
| Average total loans | $724,244,000 | 849 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,250 |
| Cost of funding earning assets | 0.7481% | 2,133 |
| Net interest margin | 4.0172% | 1,277 |
| Noninterest income to average assets | 0.8766% | 1,222 |
| Noninterest expense to average assets | 2.9483% | 1,723 |
| Loan and lease loss provision to assets | 0.3226% | 1,326 |
| Net operating income to assets | 0.9498% | 2,491 |
| Return on assets (ROA) | 0.9468% | 2,637 |
| Pretax return on assets | 1.2444% | 2,202 |
| Return on Equity (ROE) | 7.3282% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.3282% | 1,529 |
| Net charge-offs to loans | 0.2143% | 723 |
| Credit loss provision to net charge-offs | 192.5234% | 1,950 |
| Earnings coverage of net charge-offs (x) | 9.3738% | 2,226 |
| Efficiency ratio | 65.2409% | 2,625 |
| Assets per employee ($millions) | 4.9022% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 3,928 |
| Loan loss allowance to noncurrent loans | 60.4834% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 870 |
| Noncurrent loans to loans | 1.5169% | 997 |
| Net loans and leases to total assets | 79.1615% | 703 |
| Net loans and leases to deposits | 94.5915% | 902 |
| Net loans and leases to core deposits | 99.6159% | 1,283 |
| Total domestic deposits to total assets | 83.6878% | 2,854 |
| Equity capital to assets | 12.3445% | 1,458 |
| Core capital (leverage) ratio | 12.0798% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0270% | 2,168 |
| Memoranda: | ||
| Average total assets | $893,929,000 | 944 |
| Average earning assets | $810,565,000 | 961 |
| Average equity | $115,499,000 | 841 |
| Average total loans | $698,932,333 | 857 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 1,356 |
| Cost of funding earning assets | 0.8913% | 1,912 |
| Net interest margin | 3.9347% | 1,567 |
| Noninterest income to average assets | 0.9071% | 1,052 |
| Noninterest expense to average assets | 3.0733% | 1,711 |
| Loan and lease loss provision to assets | 0.0983% | 2,452 |
| Net operating income to assets | 0.9901% | 2,212 |
| Return on assets (ROA) | 0.9901% | 2,312 |
| Pretax return on assets | 1.3002% | 1,869 |
| Return on Equity (ROE) | 7.4786% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.4786% | 1,384 |
| Net charge-offs to loans | 0.0702% | 1,324 |
| Credit loss provision to net charge-offs | 181.1966% | 1,473 |
| Earnings coverage of net charge-offs (x) | 25.7863% | 1,275 |
| Efficiency ratio | 68.7260% | 2,552 |
| Assets per employee ($millions) | 4.4397% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,810 |
| Loan loss allowance to noncurrent loans | 106.6988% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 1,858 |
| Noncurrent loans to loans | 0.9180% | 1,784 |
| Net loans and leases to total assets | 74.9519% | 1,466 |
| Net loans and leases to deposits | 89.0167% | 1,637 |
| Net loans and leases to core deposits | 94.8182% | 1,902 |
| Total domestic deposits to total assets | 84.1998% | 2,713 |
| Equity capital to assets | 13.2732% | 1,314 |
| Core capital (leverage) ratio | 12.7083% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3142% | 1,809 |
| Memoranda: | ||
| Average total assets | $862,927,500 | 949 |
| Average earning assets | $781,771,500 | 958 |
| Average equity | $114,246,000 | 837 |
| Average total loans | $666,530,000 | 865 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 2,187 |
| Cost of funding earning assets | 0.9732% | 1,839 |
| Net interest margin | 3.7795% | 2,571 |
| Noninterest income to average assets | 0.9988% | 973 |
| Noninterest expense to average assets | 2.9945% | 2,034 |
| Loan and lease loss provision to assets | 0.0650% | 2,726 |
| Net operating income to assets | 1.0661% | 2,598 |
| Return on assets (ROA) | 1.0661% | 2,690 |
| Pretax return on assets | 1.3894% | 2,198 |
| Return on Equity (ROE) | 8.1739% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.1739% | 921 |
| Net charge-offs to loans | 0.1688% | 1,199 |
| Credit loss provision to net charge-offs | 48.8021% | 3,141 |
| Earnings coverage of net charge-offs (x) | 10.9219% | 2,538 |
| Efficiency ratio | 67.3085% | 2,562 |
| Assets per employee ($millions) | 4.6745% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,827 |
| Loan loss allowance to noncurrent loans | 153.4207% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 2,328 |
| Noncurrent loans to loans | 0.6082% | 2,365 |
| Net loans and leases to total assets | 78.0627% | 1,076 |
| Net loans and leases to deposits | 93.7553% | 1,180 |
| Net loans and leases to core deposits | 100.0633% | 1,557 |
| Total domestic deposits to total assets | 83.2621% | 3,116 |
| Equity capital to assets | 13.2053% | 1,414 |
| Core capital (leverage) ratio | 12.1316% | 1,693 |
| Tier 1 risk-based capital ratio | 13.8097% | 3,357 |
| Total risk-based capital ratio | 14.6428% | 3,467 |
| Memoranda: | ||
| Average total assets | $846,321,800 | 931 |
| Average earning assets | $772,568,600 | 935 |
| Average equity | $110,388,400 | 823 |
| Average total loans | $667,606,800 | 839 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 2,403 |
| Cost of funding earning assets | 0.9650% | 1,910 |
| Net interest margin | 3.7411% | 2,782 |
| Noninterest income to average assets | 0.9902% | 955 |
| Noninterest expense to average assets | 2.9781% | 2,039 |
| Loan and lease loss provision to assets | 0.0870% | 2,176 |
| Net operating income to assets | 1.0361% | 2,839 |
| Return on assets (ROA) | 1.0361% | 2,920 |
| Pretax return on assets | 1.3446% | 2,514 |
| Return on Equity (ROE) | 7.9688% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.9688% | 1,408 |
| Net charge-offs to loans | 0.1600% | 1,042 |
| Credit loss provision to net charge-offs | 68.9223% | 2,633 |
| Earnings coverage of net charge-offs (x) | 11.3409% | 2,449 |
| Efficiency ratio | 67.5360% | 2,494 |
| Assets per employee ($millions) | 4.7613% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,721 |
| Loan loss allowance to noncurrent loans | 130.8688% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,238 |
| Noncurrent loans to loans | 0.7427% | 2,105 |
| Net loans and leases to total assets | 78.4628% | 1,062 |
| Net loans and leases to deposits | 93.3283% | 1,290 |
| Net loans and leases to core deposits | 102.1596% | 1,487 |
| Total domestic deposits to total assets | 84.0719% | 2,794 |
| Equity capital to assets | 12.8225% | 1,719 |
| Core capital (leverage) ratio | 12.0385% | 1,822 |
| Tier 1 risk-based capital ratio | 13.3244% | 3,671 |
| Total risk-based capital ratio | 14.1933% | 3,772 |
| Memoranda: | ||
| Average total assets | $842,876,250 | 935 |
| Average earning assets | $770,420,750 | 941 |
| Average equity | $109,590,750 | 828 |
| Average total loans | $665,072,500 | 843 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 2,646 |
| Cost of funding earning assets | 0.9434% | 1,945 |
| Net interest margin | 3.6664% | 3,045 |
| Noninterest income to average assets | 0.9619% | 946 |
| Noninterest expense to average assets | 2.9876% | 2,038 |
| Loan and lease loss provision to assets | 0.0575% | 2,673 |
| Net operating income to assets | 0.9871% | 2,968 |
| Return on assets (ROA) | 0.9871% | 3,041 |
| Pretax return on assets | 1.2680% | 2,682 |
| Return on Equity (ROE) | 7.5557% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.5557% | 1,575 |
| Net charge-offs to loans | 0.1596% | 997 |
| Credit loss provision to net charge-offs | 45.7143% | 2,500 |
| Earnings coverage of net charge-offs (x) | 10.5410% | 2,263 |
| Efficiency ratio | 69.2675% | 2,336 |
| Assets per employee ($millions) | 4.6226% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 3,884 |
| Loan loss allowance to noncurrent loans | 98.7916% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,827 |
| Noncurrent loans to loans | 0.9585% | 1,700 |
| Net loans and leases to total assets | 78.8563% | 1,065 |
| Net loans and leases to deposits | 96.9826% | 932 |
| Net loans and leases to core deposits | 105.5788% | 1,274 |
| Total domestic deposits to total assets | 81.3097% | 3,721 |
| Equity capital to assets | 13.1912% | 1,494 |
| Core capital (leverage) ratio | 12.4544% | 1,558 |
| Tier 1 risk-based capital ratio | 13.7513% | 3,452 |
| Total risk-based capital ratio | 14.6366% | 3,536 |
| Memoranda: | ||
| Average total assets | $834,985,330 | 935 |
| Average earning assets | $763,192,000 | 946 |
| Average equity | $109,083,330 | 821 |
| Average total loans | $657,899,330 | 853 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 2,575 |
| Cost of funding earning assets | 0.9068% | 1,966 |
| Net interest margin | 3.6811% | 2,967 |
| Noninterest income to average assets | 0.8935% | 1,055 |
| Noninterest expense to average assets | 2.9748% | 2,063 |
| Loan and lease loss provision to assets | 0.0868% | 1,972 |
| Net operating income to assets | 0.9138% | 3,181 |
| Return on assets (ROA) | 0.9138% | 3,223 |
| Pretax return on assets | 1.1968% | 2,812 |
| Return on Equity (ROE) | 7.0295% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.0295% | 2,028 |
| Net charge-offs to loans | 0.0215% | 2,020 |
| Credit loss provision to net charge-offs | 514.2857% | 597 |
| Earnings coverage of net charge-offs (x) | 76.0571% | 792 |
| Efficiency ratio | 69.8562% | 2,364 |
| Assets per employee ($millions) | 4.5294% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,562 |
| Loan loss allowance to noncurrent loans | 142.5894% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 2,418 |
| Noncurrent loans to loans | 0.7181% | 2,225 |
| Net loans and leases to total assets | 76.7693% | 1,352 |
| Net loans and leases to deposits | 89.1911% | 1,733 |
| Net loans and leases to core deposits | 100.4878% | 1,574 |
| Total domestic deposits to total assets | 86.0728% | 2,248 |
| Equity capital to assets | 13.0597% | 1,416 |
| Core capital (leverage) ratio | 12.3864% | 1,565 |
| Tier 1 risk-based capital ratio | 14.2572% | 3,212 |
| Total risk-based capital ratio | 15.2565% | 3,253 |
| Memoranda: | ||
| Average total assets | $829,513,500 | 949 |
| Average earning assets | $758,248,500 | 952 |
| Average equity | $107,831,000 | 826 |
| Average total loans | $650,126,500 | 859 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 2,219 |
| Cost of funding earning assets | 0.6853% | 2,176 |
| Net interest margin | 3.8886% | 2,364 |
| Noninterest income to average assets | 0.9307% | 1,104 |
| Noninterest expense to average assets | 3.0455% | 1,947 |
| Loan and lease loss provision to assets | 0.1352% | 1,598 |
| Net operating income to assets | 1.0077% | 2,971 |
| Return on assets (ROA) | 1.0077% | 2,957 |
| Pretax return on assets | 1.3113% | 2,454 |
| Return on Equity (ROE) | 8.0600% | 3,407 |
| Retained earnings to average equity (ytd only) | 8.0600% | 1,206 |
| Net charge-offs to loans | 0.1155% | 1,596 |
| Credit loss provision to net charge-offs | 147.4966% | 1,857 |
| Earnings coverage of net charge-offs (x) | 15.7781% | 2,306 |
| Efficiency ratio | 67.7972% | 2,580 |
| Assets per employee ($millions) | 4.4388% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,351 |
| Loan loss allowance to noncurrent loans | 133.4817% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 2,085 |
| Noncurrent loans to loans | 0.7903% | 2,030 |
| Net loans and leases to total assets | 78.3577% | 1,211 |
| Net loans and leases to deposits | 93.8392% | 1,304 |
| Net loans and leases to core deposits | 101.0504% | 1,637 |
| Total domestic deposits to total assets | 83.5020% | 3,158 |
| Equity capital to assets | 12.9384% | 1,378 |
| Core capital (leverage) ratio | 12.0545% | 1,701 |
| Tier 1 risk-based capital ratio | 13.7509% | 3,414 |
| Total risk-based capital ratio | 14.7133% | 3,473 |
| Memoranda: | ||
| Average total assets | $806,054,000 | 945 |
| Average earning assets | $738,207,000 | 949 |
| Average equity | $100,781,600 | 846 |
| Average total loans | $639,996,800 | 847 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 2,323 |
| Cost of funding earning assets | 0.6386% | 2,218 |
| Net interest margin | 3.8569% | 2,450 |
| Noninterest income to average assets | 0.9128% | 1,162 |
| Noninterest expense to average assets | 3.0239% | 1,941 |
| Loan and lease loss provision to assets | 0.1689% | 1,109 |
| Net operating income to assets | 0.9558% | 3,280 |
| Return on assets (ROA) | 0.9558% | 3,293 |
| Pretax return on assets | 1.2541% | 2,797 |
| Return on Equity (ROE) | 7.7133% | 3,659 |
| Retained earnings to average equity (ytd only) | 7.7133% | 1,787 |
| Net charge-offs to loans | 0.1625% | 1,016 |
| Credit loss provision to net charge-offs | 130.7990% | 1,887 |
| Earnings coverage of net charge-offs (x) | 11.0193% | 2,548 |
| Efficiency ratio | 67.9990% | 2,540 |
| Assets per employee ($millions) | 4.4501% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,750 |
| Loan loss allowance to noncurrent loans | 107.5264% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 1,870 |
| Noncurrent loans to loans | 0.9310% | 1,831 |
| Net loans and leases to total assets | 79.5396% | 1,087 |
| Net loans and leases to deposits | 96.8010% | 1,060 |
| Net loans and leases to core deposits | 101.9841% | 1,615 |
| Total domestic deposits to total assets | 82.1681% | 3,557 |
| Equity capital to assets | 12.4512% | 1,624 |
| Core capital (leverage) ratio | 11.8456% | 1,882 |
| Tier 1 risk-based capital ratio | 13.1880% | 3,787 |
| Total risk-based capital ratio | 14.1181% | 3,884 |
| Memoranda: | ||
| Average total assets | $801,162,000 | 948 |
| Average earning assets | $734,112,250 | 955 |
| Average equity | $99,271,500 | 851 |
| Average total loans | $636,537,250 | 854 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,342 |
| Cost of funding earning assets | 0.5925% | 2,276 |
| Net interest margin | 3.8307% | 2,451 |
| Noninterest income to average assets | 0.9137% | 1,145 |
| Noninterest expense to average assets | 3.0509% | 1,903 |
| Loan and lease loss provision to assets | 0.1875% | 945 |
| Net operating income to assets | 0.9132% | 3,402 |
| Return on assets (ROA) | 0.9132% | 3,404 |
| Pretax return on assets | 1.1873% | 2,984 |
| Return on Equity (ROE) | 7.3823% | 3,772 |
| Retained earnings to average equity (ytd only) | 7.3823% | 1,892 |
| Net charge-offs to loans | 0.2328% | 688 |
| Credit loss provision to net charge-offs | 101.7882% | 1,989 |
| Earnings coverage of net charge-offs (x) | 7.4635% | 2,543 |
| Efficiency ratio | 68.9357% | 2,498 |
| Assets per employee ($millions) | 4.3473% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,983 |
| Loan loss allowance to noncurrent loans | 97.0124% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 1,795 |
| Noncurrent loans to loans | 1.0052% | 1,741 |
| Net loans and leases to total assets | 79.9505% | 1,031 |
| Net loans and leases to deposits | 96.7798% | 1,058 |
| Net loans and leases to core deposits | 106.6677% | 1,196 |
| Total domestic deposits to total assets | 82.6108% | 3,521 |
| Equity capital to assets | 12.7032% | 1,437 |
| Core capital (leverage) ratio | 11.8856% | 1,783 |
| Tier 1 risk-based capital ratio | 13.5629% | 3,585 |
| Total risk-based capital ratio | 14.5083% | 3,684 |
| Memoranda: | ||
| Average total assets | $789,341,000 | 962 |
| Average earning assets | $723,686,000 | 965 |
| Average equity | $97,638,670 | 865 |
| Average total loans | $624,657,330 | 866 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,651 |
| Cost of funding earning assets | 0.6117% | 1,971 |
| Net interest margin | 3.6537% | 2,973 |
| Noninterest income to average assets | 0.8748% | 1,219 |
| Noninterest expense to average assets | 3.0434% | 1,959 |
| Loan and lease loss provision to assets | 0.1535% | 1,180 |
| Net operating income to assets | 0.7909% | 3,741 |
| Return on assets (ROA) | 0.7909% | 3,746 |
| Pretax return on assets | 1.0273% | 3,438 |
| Return on Equity (ROE) | 6.4838% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.4838% | 2,513 |
| Net charge-offs to loans | 0.4690% | 324 |
| Credit loss provision to net charge-offs | 41.7827% | 2,002 |
| Earnings coverage of net charge-offs (x) | 3.2145% | 2,407 |
| Efficiency ratio | 72.0480% | 2,191 |
| Assets per employee ($millions) | 4.4419% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 4,335 |
| Loan loss allowance to noncurrent loans | 81.2017% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,703 |
| Noncurrent loans to loans | 1.1382% | 1,610 |
| Net loans and leases to total assets | 75.6768% | 1,590 |
| Net loans and leases to deposits | 89.9086% | 1,704 |
| Net loans and leases to core deposits | 99.1521% | 1,751 |
| Total domestic deposits to total assets | 84.1709% | 3,257 |
| Equity capital to assets | 12.4521% | 1,505 |
| Core capital (leverage) ratio | 12.2754% | 1,489 |
| Tier 1 risk-based capital ratio | 13.8448% | 3,471 |
| Total risk-based capital ratio | 14.7664% | 3,554 |
| Memoranda: | ||
| Average total assets | $781,889,000 | 976 |
| Average earning assets | $716,744,000 | 981 |
| Average equity | $95,375,500 | 888 |
| Average total loans | $612,321,000 | 881 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,244 |
| Cost of funding earning assets | 0.5213% | 2,167 |
| Net interest margin | 3.8051% | 2,410 |
| Noninterest income to average assets | 0.9464% | 1,148 |
| Noninterest expense to average assets | 2.9791% | 2,221 |
| Loan and lease loss provision to assets | 0.1277% | 1,793 |
| Net operating income to assets | 0.8235% | 3,064 |
| Return on assets (ROA) | 0.8235% | 3,105 |
| Pretax return on assets | 1.3592% | 2,128 |
| Return on Equity (ROE) | 6.9527% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.9527% | 1,097 |
| Net charge-offs to loans | 0.0277% | 3,256 |
| Credit loss provision to net charge-offs | 578.1250% | 554 |
| Earnings coverage of net charge-offs (x) | 67.3375% | 879 |
| Efficiency ratio | 66.7068% | 3,132 |
| Assets per employee ($millions) | 4.6613% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,586 |
| Loan loss allowance to noncurrent loans | 89.9777% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 1,521 |
| Noncurrent loans to loans | 1.1734% | 1,513 |
| Net loans and leases to total assets | 79.5072% | 1,034 |
| Net loans and leases to deposits | 99.9277% | 735 |
| Net loans and leases to core deposits | 129.2658% | 356 |
| Total domestic deposits to total assets | 79.5647% | 4,429 |
| Equity capital to assets | 11.9293% | 1,883 |
| Core capital (leverage) ratio | 12.0030% | 1,601 |
| Tier 1 risk-based capital ratio | 13.6537% | 3,543 |
| Total risk-based capital ratio | 14.6411% | 3,600 |
| Memoranda: | ||
| Average total assets | $724,609,800 | 1,011 |
| Average earning assets | $670,232,400 | 1,012 |
| Average equity | $85,822,400 | 950 |
| Average total loans | $576,913,400 | 892 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 2,367 |
| Cost of funding earning assets | 0.4991% | 2,270 |
| Net interest margin | 3.7688% | 2,508 |
| Noninterest income to average assets | 0.9282% | 1,196 |
| Noninterest expense to average assets | 3.0456% | 1,973 |
| Loan and lease loss provision to assets | 0.1537% | 1,349 |
| Net operating income to assets | 0.7851% | 3,583 |
| Return on assets (ROA) | 0.7851% | 3,636 |
| Pretax return on assets | 1.2183% | 2,831 |
| Return on Equity (ROE) | 6.6414% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.6414% | 1,882 |
| Net charge-offs to loans | 0.0774% | 2,034 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 22.3212% | 1,869 |
| Efficiency ratio | 68.9421% | 2,722 |
| Assets per employee ($millions) | 4.7281% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,027 |
| Loan loss allowance to noncurrent loans | 86.1349% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 1,652 |
| Noncurrent loans to loans | 1.1660% | 1,649 |
| Net loans and leases to total assets | 79.6942% | 1,031 |
| Net loans and leases to deposits | 101.9602% | 621 |
| Net loans and leases to core deposits | 131.9584% | 310 |
| Total domestic deposits to total assets | 78.1620% | 4,699 |
| Equity capital to assets | 11.5462% | 2,324 |
| Core capital (leverage) ratio | 11.6892% | 1,894 |
| Tier 1 risk-based capital ratio | 13.3509% | 3,795 |
| Total risk-based capital ratio | 14.2949% | 3,890 |
| Memoranda: | ||
| Average total assets | $715,814,250 | 1,029 |
| Average earning assets | $662,753,250 | 1,030 |
| Average equity | $84,618,500 | 967 |
| Average total loans | $568,508,000 | 902 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,683 |
| Cost of funding earning assets | 0.4435% | 2,661 |
| Net interest margin | 3.7037% | 2,645 |
| Noninterest income to average assets | 0.9238% | 1,204 |
| Noninterest expense to average assets | 3.1557% | 1,689 |
| Loan and lease loss provision to assets | 0.1161% | 1,770 |
| Net operating income to assets | 0.7042% | 3,832 |
| Return on assets (ROA) | 0.7042% | 3,897 |
| Pretax return on assets | 1.0856% | 3,235 |
| Return on Equity (ROE) | 5.9064% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.9064% | 2,173 |
| Net charge-offs to loans | 0.0207% | 2,820 |
| Credit loss provision to net charge-offs | 710.5263% | 496 |
| Earnings coverage of net charge-offs (x) | 73.5263% | 817 |
| Efficiency ratio | 72.4222% | 2,274 |
| Assets per employee ($millions) | 4.5610% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,241 |
| Loan loss allowance to noncurrent loans | 69.4224% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 1,440 |
| Noncurrent loans to loans | 1.4182% | 1,345 |
| Net loans and leases to total assets | 80.3151% | 906 |
| Net loans and leases to deposits | 105.1301% | 435 |
| Net loans and leases to core deposits | 128.2796% | 335 |
| Total domestic deposits to total assets | 76.3959% | 5,041 |
| Equity capital to assets | 11.3719% | 2,440 |
| Core capital (leverage) ratio | 11.9518% | 1,660 |
| Tier 1 risk-based capital ratio | 12.9827% | 4,006 |
| Total risk-based capital ratio | 13.9265% | 4,110 |
| Memoranda: | ||
| Average total assets | $697,525,670 | 1,051 |
| Average earning assets | $646,642,670 | 1,046 |
| Average equity | $83,163,330 | 985 |
| Average total loans | $551,204,670 | 936 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 2,825 |
| Cost of funding earning assets | 0.4113% | 2,889 |
| Net interest margin | 3.6441% | 2,719 |
| Noninterest income to average assets | 0.9102% | 1,207 |
| Noninterest expense to average assets | 3.3497% | 1,290 |
| Loan and lease loss provision to assets | 0.0237% | 3,272 |
| Net operating income to assets | 0.6060% | 4,134 |
| Return on assets (ROA) | 0.6060% | 4,186 |
| Pretax return on assets | 0.9096% | 3,734 |
| Return on Equity (ROE) | 4.9568% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.9568% | 2,922 |
| Net charge-offs to loans | 0.0122% | 2,573 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 98.3750% | 543 |
| Efficiency ratio | 78.2085% | 1,602 |
| Assets per employee ($millions) | 4.2947% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,349 |
| Loan loss allowance to noncurrent loans | 51.5072% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5101% | 1,057 |
| Noncurrent loans to loans | 1.9217% | 940 |
| Net loans and leases to total assets | 75.9116% | 1,428 |
| Net loans and leases to deposits | 89.3201% | 1,632 |
| Net loans and leases to core deposits | 112.6911% | 740 |
| Total domestic deposits to total assets | 84.9883% | 3,096 |
| Equity capital to assets | 11.9295% | 1,892 |
| Core capital (leverage) ratio | 12.5754% | 1,299 |
| Tier 1 risk-based capital ratio | 14.3031% | 3,315 |
| Total risk-based capital ratio | 15.3051% | 3,360 |
| Memoranda: | ||
| Average total assets | $674,566,500 | 1,088 |
| Average earning assets | $624,351,000 | 1,082 |
| Average equity | $82,473,000 | 990 |
| Average total loans | $525,289,500 | 976 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 1,766 |
| Cost of funding earning assets | 0.3562% | 3,454 |
| Net interest margin | 4.0657% | 1,456 |
| Noninterest income to average assets | 1.0517% | 1,019 |
| Noninterest expense to average assets | 3.3890% | 1,385 |
| Loan and lease loss provision to assets | 0.0828% | 2,701 |
| Net operating income to assets | 0.8708% | 2,976 |
| Return on assets (ROA) | 0.8708% | 3,084 |
| Pretax return on assets | 1.3242% | 2,201 |
| Return on Equity (ROE) | 6.9559% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.9559% | 1,247 |
| Net charge-offs to loans | 0.0085% | 3,976 |
| Credit loss provision to net charge-offs | 1,250.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 212.4048% | 327 |
| Efficiency ratio | 70.6623% | 2,800 |
| Assets per employee ($millions) | 3.9067% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,637 |
| Loan loss allowance to noncurrent loans | 76.2151% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 1,515 |
| Noncurrent loans to loans | 1.4601% | 1,390 |
| Net loans and leases to total assets | 78.3857% | 1,148 |
| Net loans and leases to deposits | 91.3726% | 1,525 |
| Net loans and leases to core deposits | 111.1394% | 824 |
| Total domestic deposits to total assets | 85.7869% | 2,684 |
| Equity capital to assets | 12.5608% | 1,483 |
| Core capital (leverage) ratio | 11.8848% | 1,675 |
| Tier 1 risk-based capital ratio | 14.6534% | 3,120 |
| Total risk-based capital ratio | 15.6884% | 3,151 |
| Memoranda: | ||
| Average total assets | $634,028,800 | 1,116 |
| Average earning assets | $583,909,600 | 1,113 |
| Average equity | $79,371,400 | 997 |
| Average total loans | $495,350,200 | 982 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,787 |
| Cost of funding earning assets | 0.3288% | 3,791 |
| Net interest margin | 4.0939% | 1,403 |
| Noninterest income to average assets | 1.0536% | 1,023 |
| Noninterest expense to average assets | 3.3519% | 1,450 |
| Loan and lease loss provision to assets | 0.0794% | 2,628 |
| Net operating income to assets | 0.8846% | 2,985 |
| Return on assets (ROA) | 0.8846% | 3,114 |
| Pretax return on assets | 1.3908% | 2,065 |
| Return on Equity (ROE) | 7.0723% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.0723% | 1,587 |
| Net charge-offs to loans | -0.0215% | 5,032 |
| Credit loss provision to net charge-offs | -474.6835% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5102% | 2,966 |
| Assets per employee ($millions) | 4.2082% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,133 |
| Loan loss allowance to noncurrent loans | 356.1678% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 4,337 |
| Noncurrent loans to loans | 0.2944% | 4,201 |
| Net loans and leases to total assets | 76.3739% | 1,461 |
| Net loans and leases to deposits | 92.2772% | 1,462 |
| Net loans and leases to core deposits | 117.0773% | 608 |
| Total domestic deposits to total assets | 82.7657% | 3,681 |
| Equity capital to assets | 11.5100% | 2,505 |
| Core capital (leverage) ratio | 11.8980% | 1,743 |
| Tier 1 risk-based capital ratio | 13.8191% | 3,656 |
| Total risk-based capital ratio | 14.8065% | 3,739 |
| Memoranda: | ||
| Average total assets | $629,433,000 | 1,123 |
| Average earning assets | $579,414,500 | 1,125 |
| Average equity | $78,727,250 | 1,009 |
| Average total loans | $489,899,500 | 995 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 1,999 |
| Cost of funding earning assets | 0.2889% | 4,254 |
| Net interest margin | 4.0565% | 1,490 |
| Noninterest income to average assets | 1.0625% | 994 |
| Noninterest expense to average assets | 3.4044% | 1,367 |
| Loan and lease loss provision to assets | 0.0744% | 2,651 |
| Net operating income to assets | 0.8549% | 3,073 |
| Return on assets (ROA) | 0.8549% | 3,193 |
| Pretax return on assets | 1.3200% | 2,329 |
| Return on Equity (ROE) | 6.6302% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.6302% | 1,794 |
| Net charge-offs to loans | -0.0749% | 5,520 |
| Credit loss provision to net charge-offs | -127.1186% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9424% | 2,835 |
| Assets per employee ($millions) | 3.9985% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 4,187 |
| Loan loss allowance to noncurrent loans | 228.1966% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,857 |
| Noncurrent loans to loans | 0.4630% | 3,710 |
| Net loans and leases to total assets | 77.3051% | 1,290 |
| Net loans and leases to deposits | 96.9297% | 973 |
| Net loans and leases to core deposits | 123.5236% | 423 |
| Total domestic deposits to total assets | 79.7537% | 4,612 |
| Equity capital to assets | 11.9567% | 2,155 |
| Core capital (leverage) ratio | 12.8394% | 1,218 |
| Tier 1 risk-based capital ratio | 14.1732% | 3,513 |
| Total risk-based capital ratio | 15.1970% | 3,554 |
| Memoranda: | ||
| Average total assets | $604,986,330 | 1,168 |
| Average earning assets | $557,230,330 | 1,164 |
| Average equity | $78,006,670 | 1,020 |
| Average total loans | $472,391,670 | 1,019 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 1,909 |
| Cost of funding earning assets | 0.2782% | 4,412 |
| Net interest margin | 4.0864% | 1,381 |
| Noninterest income to average assets | 1.0966% | 901 |
| Noninterest expense to average assets | 3.4816% | 1,217 |
| Loan and lease loss provision to assets | 0.1042% | 1,966 |
| Net operating income to assets | 0.8541% | 2,975 |
| Return on assets (ROA) | 0.8541% | 3,100 |
| Pretax return on assets | 1.2675% | 2,436 |
| Return on Equity (ROE) | 6.3573% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.3573% | 2,202 |
| Net charge-offs to loans | 0.0178% | 2,580 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 98.7000% | 544 |
| Efficiency ratio | 71.7354% | 2,837 |
| Assets per employee ($millions) | 3.6039% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 4,126 |
| Loan loss allowance to noncurrent loans | 116.3137% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 2,655 |
| Noncurrent loans to loans | 0.9345% | 2,512 |
| Net loans and leases to total assets | 77.4268% | 1,184 |
| Net loans and leases to deposits | 93.2415% | 1,209 |
| Net loans and leases to core deposits | 108.3029% | 956 |
| Total domestic deposits to total assets | 83.0391% | 3,876 |
| Equity capital to assets | 13.2720% | 1,280 |
| Core capital (leverage) ratio | 13.6093% | 943 |
| Tier 1 risk-based capital ratio | 15.5110% | 2,907 |
| Total risk-based capital ratio | 16.5969% | 2,939 |
| Memoranda: | ||
| Average total assets | $575,601,500 | 1,217 |
| Average earning assets | $529,174,500 | 1,224 |
| Average equity | $77,328,500 | 1,032 |
| Average total loans | $449,289,500 | 1,081 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,245 |
| Cost of funding earning assets | 0.2500% | 4,788 |
| Net interest margin | 4.0429% | 1,582 |
| Noninterest income to average assets | 1.1946% | 845 |
| Noninterest expense to average assets | 3.5918% | 1,140 |
| Loan and lease loss provision to assets | 0.1923% | 1,147 |
| Net operating income to assets | 0.8888% | 2,934 |
| Return on assets (ROA) | 0.8888% | 3,013 |
| Pretax return on assets | 1.1134% | 2,983 |
| Return on Equity (ROE) | 6.7965% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.7965% | 1,378 |
| Net charge-offs to loans | 0.1392% | 1,961 |
| Credit loss provision to net charge-offs | 187.3905% | 1,470 |
| Earnings coverage of net charge-offs (x) | 12.7250% | 2,435 |
| Efficiency ratio | 73.3397% | 2,685 |
| Assets per employee ($millions) | 3.4168% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,543 |
| Loan loss allowance to noncurrent loans | 92.1108% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 1,894 |
| Noncurrent loans to loans | 1.2914% | 1,822 |
| Net loans and leases to total assets | 76.8986% | 1,267 |
| Net loans and leases to deposits | 90.9000% | 1,518 |
| Net loans and leases to core deposits | 105.3021% | 1,148 |
| Total domestic deposits to total assets | 84.5969% | 3,254 |
| Equity capital to assets | 13.6036% | 1,086 |
| Core capital (leverage) ratio | 13.4582% | 986 |
| Tier 1 risk-based capital ratio | 15.9709% | 2,699 |
| Total risk-based capital ratio | 17.0798% | 2,704 |
| Memoranda: | ||
| Average total assets | $556,485,400 | 1,223 |
| Average earning assets | $509,678,400 | 1,224 |
| Average equity | $72,773,200 | 1,050 |
| Average total loans | $410,258,200 | 1,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,490 |
| Cost of funding earning assets | 0.2450% | 4,934 |
| Net interest margin | 3.9836% | 1,752 |
| Noninterest income to average assets | 1.1512% | 900 |
| Noninterest expense to average assets | 3.5401% | 1,213 |
| Loan and lease loss provision to assets | 0.0168% | 3,936 |
| Net operating income to assets | 0.8151% | 3,357 |
| Return on assets (ROA) | 0.8151% | 3,446 |
| Pretax return on assets | 1.2411% | 2,642 |
| Return on Equity (ROE) | 6.2976% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.2976% | 2,065 |
| Net charge-offs to loans | 0.1690% | 1,470 |
| Credit loss provision to net charge-offs | 13.6986% | 3,417 |
| Earnings coverage of net charge-offs (x) | 10.2407% | 2,613 |
| Efficiency ratio | 73.7826% | 2,594 |
| Assets per employee ($millions) | 3.5334% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,900 |
| Loan loss allowance to noncurrent loans | 199.4900% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 3,794 |
| Noncurrent loans to loans | 0.4858% | 3,901 |
| Net loans and leases to total assets | 76.8171% | 1,270 |
| Net loans and leases to deposits | 94.9598% | 1,099 |
| Net loans and leases to core deposits | 102.4311% | 1,348 |
| Total domestic deposits to total assets | 80.8943% | 4,502 |
| Equity capital to assets | 12.8572% | 1,528 |
| Core capital (leverage) ratio | 12.9495% | 1,223 |
| Tier 1 risk-based capital ratio | 15.1079% | 3,242 |
| Total risk-based capital ratio | 16.0074% | 3,360 |
| Memoranda: | ||
| Average total assets | $554,664,000 | 1,235 |
| Average earning assets | $507,762,750 | 1,240 |
| Average equity | $71,793,250 | 1,066 |
| Average total loans | $403,135,000 | 1,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 2,969 |
| Cost of funding earning assets | 0.2392% | 5,062 |
| Net interest margin | 3.8414% | 2,167 |
| Noninterest income to average assets | 1.1189% | 965 |
| Noninterest expense to average assets | 3.5550% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7202% | 3,790 |
| Return on assets (ROA) | 0.7202% | 3,907 |
| Pretax return on assets | 1.0814% | 3,252 |
| Return on Equity (ROE) | 5.5512% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.5512% | 2,509 |
| Net charge-offs to loans | 0.0560% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 27.2202% | 1,458 |
| Efficiency ratio | 76.6764% | 2,254 |
| Assets per employee ($millions) | 3.4015% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,506 |
| Loan loss allowance to noncurrent loans | 112.1530% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 2,496 |
| Noncurrent loans to loans | 0.9514% | 2,744 |
| Net loans and leases to total assets | 74.0954% | 1,648 |
| Net loans and leases to deposits | 89.8127% | 1,619 |
| Net loans and leases to core deposits | 106.6650% | 1,042 |
| Total domestic deposits to total assets | 82.5000% | 4,126 |
| Equity capital to assets | 12.8407% | 1,468 |
| Core capital (leverage) ratio | 13.4980% | 987 |
| Tier 1 risk-based capital ratio | 16.0074% | 2,858 |
| Total risk-based capital ratio | 17.0530% | 2,916 |
| Memoranda: | ||
| Average total assets | $548,746,330 | 1,250 |
| Average earning assets | $502,478,670 | 1,257 |
| Average equity | $71,192,000 | 1,077 |
| Average total loans | $389,507,670 | 1,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,206 |
| Cost of funding earning assets | 0.2435% | 5,091 |
| Net interest margin | 3.7646% | 2,377 |
| Noninterest income to average assets | 1.1097% | 922 |
| Noninterest expense to average assets | 3.5171% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6975% | 3,815 |
| Return on assets (ROA) | 0.6975% | 3,942 |
| Pretax return on assets | 1.0463% | 3,314 |
| Return on Equity (ROE) | 5.3481% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3481% | 2,863 |
| Net charge-offs to loans | -0.0845% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0722% | 2,331 |
| Assets per employee ($millions) | 3.6992% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 4,062 |
| Loan loss allowance to noncurrent loans | 132.8837% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 3,199 |
| Noncurrent loans to loans | 0.8908% | 3,013 |
| Net loans and leases to total assets | 64.5398% | 3,020 |
| Net loans and leases to deposits | 74.5965% | 3,217 |
| Net loans and leases to core deposits | 84.7931% | 2,682 |
| Total domestic deposits to total assets | 86.5185% | 2,660 |
| Equity capital to assets | 12.4266% | 1,736 |
| Core capital (leverage) ratio | 13.9547% | 836 |
| Tier 1 risk-based capital ratio | 17.6135% | 2,269 |
| Total risk-based capital ratio | 18.8269% | 2,235 |
| Memoranda: | ||
| Average total assets | $542,497,000 | 1,264 |
| Average earning assets | $497,685,500 | 1,270 |
| Average equity | $70,754,000 | 1,089 |
| Average total loans | $374,090,500 | 1,228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,769 |
| Cost of funding earning assets | 0.2307% | 5,513 |
| Net interest margin | 4.2954% | 1,067 |
| Noninterest income to average assets | 1.2563% | 769 |
| Noninterest expense to average assets | 3.6805% | 1,187 |
| Loan and lease loss provision to assets | 0.0323% | 3,951 |
| Net operating income to assets | 1.0114% | 2,328 |
| Return on assets (ROA) | 1.0114% | 2,408 |
| Pretax return on assets | 1.4604% | 1,691 |
| Return on Equity (ROE) | 7.4025% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.4025% | 1,229 |
| Net charge-offs to loans | 0.1539% | 2,500 |
| Credit loss provision to net charge-offs | 28.5205% | 3,861 |
| Earnings coverage of net charge-offs (x) | 13.1800% | 2,298 |
| Efficiency ratio | 71.1454% | 3,347 |
| Assets per employee ($millions) | 3.3008% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 3,621 |
| Loan loss allowance to noncurrent loans | 153.2577% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 3,231 |
| Noncurrent loans to loans | 0.8255% | 3,246 |
| Net loans and leases to total assets | 72.1171% | 1,892 |
| Net loans and leases to deposits | 84.6779% | 2,140 |
| Net loans and leases to core deposits | 100.4071% | 1,366 |
| Total domestic deposits to total assets | 85.1664% | 3,225 |
| Equity capital to assets | 13.7322% | 1,055 |
| Core capital (leverage) ratio | 13.6417% | 925 |
| Tier 1 risk-based capital ratio | 17.4788% | 2,327 |
| Total risk-based capital ratio | 18.6796% | 2,307 |
| Memoranda: | ||
| Average total assets | $495,342,600 | 1,344 |
| Average earning assets | $451,692,000 | 1,360 |
| Average equity | $67,679,800 | 1,089 |
| Average total loans | $364,504,200 | 1,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 1,777 |
| Cost of funding earning assets | 0.2202% | 5,666 |
| Net interest margin | 4.3070% | 1,038 |
| Noninterest income to average assets | 1.2566% | 764 |
| Noninterest expense to average assets | 3.6649% | 1,181 |
| Loan and lease loss provision to assets | 0.0271% | 3,865 |
| Net operating income to assets | 0.9580% | 2,653 |
| Return on assets (ROA) | 0.9580% | 2,729 |
| Pretax return on assets | 1.4867% | 1,689 |
| Return on Equity (ROE) | 7.0210% | 3,703 |
| Retained earnings to average equity (ytd only) | 7.0210% | 1,813 |
| Net charge-offs to loans | 0.1432% | 2,367 |
| Credit loss provision to net charge-offs | 25.7069% | 3,512 |
| Earnings coverage of net charge-offs (x) | 14.3394% | 2,150 |
| Efficiency ratio | 70.7683% | 3,374 |
| Assets per employee ($millions) | 3.4541% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,121 |
| Loan loss allowance to noncurrent loans | 130.8545% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 3,469 |
| Noncurrent loans to loans | 0.9330% | 3,226 |
| Net loans and leases to total assets | 73.1256% | 1,662 |
| Net loans and leases to deposits | 96.2182% | 864 |
| Net loans and leases to core deposits | 111.9501% | 664 |
| Total domestic deposits to total assets | 75.9998% | 5,814 |
| Equity capital to assets | 13.0296% | 1,409 |
| Core capital (leverage) ratio | 13.4925% | 999 |
| Tier 1 risk-based capital ratio | 16.3028% | 2,901 |
| Total risk-based capital ratio | 17.4562% | 2,911 |
| Memoranda: | ||
| Average total assets | $491,273,000 | 1,365 |
| Average earning assets | $447,380,500 | 1,383 |
| Average equity | $67,035,500 | 1,101 |
| Average total loans | $362,206,750 | 1,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,927 |
| Cost of funding earning assets | 0.2236% | 5,714 |
| Net interest margin | 4.2470% | 1,142 |
| Noninterest income to average assets | 1.2514% | 748 |
| Noninterest expense to average assets | 3.7212% | 1,098 |
| Loan and lease loss provision to assets | 0.0210% | 3,853 |
| Net operating income to assets | 0.9044% | 2,779 |
| Return on assets (ROA) | 0.9044% | 2,884 |
| Pretax return on assets | 1.3757% | 1,987 |
| Return on Equity (ROE) | 6.5177% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.5177% | 2,024 |
| Net charge-offs to loans | 0.1545% | 2,155 |
| Credit loss provision to net charge-offs | 18.4502% | 3,217 |
| Earnings coverage of net charge-offs (x) | 12.2804% | 2,075 |
| Efficiency ratio | 72.7101% | 3,211 |
| Assets per employee ($millions) | 3.3037% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,084 |
| Loan loss allowance to noncurrent loans | 104.6161% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 2,885 |
| Noncurrent loans to loans | 1.2048% | 2,824 |
| Net loans and leases to total assets | 73.5378% | 1,499 |
| Net loans and leases to deposits | 95.9296% | 808 |
| Net loans and leases to core deposits | 105.2301% | 947 |
| Total domestic deposits to total assets | 76.6581% | 5,841 |
| Equity capital to assets | 13.6432% | 1,109 |
| Core capital (leverage) ratio | 14.2506% | 765 |
| Tier 1 risk-based capital ratio | 16.9133% | 2,659 |
| Total risk-based capital ratio | 18.1468% | 2,635 |
| Memoranda: | ||
| Average total assets | $476,568,330 | 1,404 |
| Average earning assets | $433,860,330 | 1,422 |
| Average equity | $66,127,670 | 1,106 |
| Average total loans | $350,827,670 | 1,254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 2,102 |
| Cost of funding earning assets | 0.2372% | 5,695 |
| Net interest margin | 4.1729% | 1,287 |
| Noninterest income to average assets | 1.2394% | 717 |
| Noninterest expense to average assets | 3.7234% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8651% | 2,826 |
| Return on assets (ROA) | 0.8651% | 2,889 |
| Pretax return on assets | 1.3101% | 2,061 |
| Return on Equity (ROE) | 6.1784% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.1784% | 2,442 |
| Net charge-offs to loans | 0.0295% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 60.7600% | 649 |
| Efficiency ratio | 73.9719% | 3,149 |
| Assets per employee ($millions) | 2.9977% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,773 |
| Loan loss allowance to noncurrent loans | 93.8742% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 2,554 |
| Noncurrent loans to loans | 1.4525% | 2,609 |
| Net loans and leases to total assets | 72.5194% | 1,491 |
| Net loans and leases to deposits | 86.2334% | 1,569 |
| Net loans and leases to core deposits | 95.6183% | 1,406 |
| Total domestic deposits to total assets | 84.0967% | 4,238 |
| Equity capital to assets | 14.5666% | 767 |
| Core capital (leverage) ratio | 14.6338% | 670 |
| Tier 1 risk-based capital ratio | 18.3170% | 2,173 |
| Total risk-based capital ratio | 19.5690% | 2,136 |
| Memoranda: | ||
| Average total assets | $463,768,000 | 1,454 |
| Average earning assets | $421,672,500 | 1,468 |
| Average equity | $64,935,500 | 1,123 |
| Average total loans | $339,242,500 | 1,296 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 2,568 |
| Cost of funding earning assets | 0.2979% | 5,614 |
| Net interest margin | 4.1079% | 1,618 |
| Noninterest income to average assets | 1.3095% | 804 |
| Noninterest expense to average assets | 3.9054% | 984 |
| Loan and lease loss provision to assets | 0.1894% | 1,947 |
| Net operating income to assets | 1.0773% | 2,008 |
| Return on assets (ROA) | 1.0773% | 2,096 |
| Pretax return on assets | 0.9334% | 3,628 |
| Return on Equity (ROE) | 8.3048% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.3048% | 952 |
| Net charge-offs to loans | 0.2363% | 2,563 |
| Credit loss provision to net charge-offs | 116.7092% | 2,063 |
| Earnings coverage of net charge-offs (x) | 6.9196% | 2,952 |
| Efficiency ratio | 77.6694% | 2,518 |
| Assets per employee ($millions) | 3.1060% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,247 |
| Loan loss allowance to noncurrent loans | 113.8833% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4806% | 2,512 |
| Noncurrent loans to loans | 1.3085% | 2,954 |
| Net loans and leases to total assets | 71.6952% | 1,736 |
| Net loans and leases to deposits | 83.8981% | 1,953 |
| Net loans and leases to core deposits | 95.2803% | 1,508 |
| Total domestic deposits to total assets | 85.4552% | 3,525 |
| Equity capital to assets | 13.4420% | 1,092 |
| Core capital (leverage) ratio | 12.5432% | 1,335 |
| Tier 1 risk-based capital ratio | 16.9850% | 2,616 |
| Total risk-based capital ratio | 18.2370% | 2,580 |
| Memoranda: | ||
| Average total assets | $483,155,600 | 1,374 |
| Average earning assets | $437,371,800 | 1,390 |
| Average equity | $62,674,800 | 1,147 |
| Average total loans | $331,786,200 | 1,283 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,680 |
| Cost of funding earning assets | 0.3146% | 5,602 |
| Net interest margin | 4.3553% | 976 |
| Noninterest income to average assets | 1.4356% | 717 |
| Noninterest expense to average assets | 3.5602% | 1,478 |
| Loan and lease loss provision to assets | 0.1368% | 2,578 |
| Net operating income to assets | 1.1203% | 1,930 |
| Return on assets (ROA) | 1.1203% | 2,003 |
| Pretax return on assets | 1.7424% | 1,010 |
| Return on Equity (ROE) | 8.5171% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.5171% | 1,220 |
| Net charge-offs to loans | 0.0511% | 4,172 |
| Credit loss provision to net charge-offs | 393.3333% | 678 |
| Earnings coverage of net charge-offs (x) | 54.0272% | 818 |
| Efficiency ratio | 65.4528% | 4,585 |
| Assets per employee ($millions) | 3.4442% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 5,412 |
| Loan loss allowance to noncurrent loans | 240.5405% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 4,291 |
| Noncurrent loans to loans | 0.4483% | 5,077 |
| Net loans and leases to total assets | 72.4833% | 1,527 |
| Net loans and leases to deposits | 89.4000% | 1,233 |
| Net loans and leases to core deposits | 104.9692% | 819 |
| Total domestic deposits to total assets | 81.0775% | 5,195 |
| Equity capital to assets | 13.0225% | 1,322 |
| Core capital (leverage) ratio | 13.4236% | 1,055 |
| Tier 1 risk-based capital ratio | 16.1750% | 3,092 |
| Total risk-based capital ratio | 17.1903% | 3,180 |
| Memoranda: | ||
| Average total assets | $402,508,750 | 1,649 |
| Average earning assets | $370,024,000 | 1,639 |
| Average equity | $52,943,000 | 1,353 |
| Average total loans | $274,136,750 | 1,541 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,111 |
| Cost of funding earning assets | 0.3354% | 5,520 |
| Net interest margin | 4.1872% | 1,308 |
| Noninterest income to average assets | 1.4335% | 766 |
| Noninterest expense to average assets | 3.5292% | 1,537 |
| Loan and lease loss provision to assets | 0.2006% | 1,891 |
| Net operating income to assets | 1.0137% | 2,274 |
| Return on assets (ROA) | 1.0137% | 2,401 |
| Pretax return on assets | 1.5642% | 1,453 |
| Return on Equity (ROE) | 7.6800% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.6800% | 1,603 |
| Net charge-offs to loans | 0.0531% | 3,933 |
| Credit loss provision to net charge-offs | 570.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 50.1429% | 800 |
| Efficiency ratio | 66.6635% | 4,419 |
| Assets per employee ($millions) | 3.2438% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,504 |
| Loan loss allowance to noncurrent loans | 124.9501% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 3,560 |
| Noncurrent loans to loans | 0.8675% | 4,189 |
| Net loans and leases to total assets | 72.1772% | 1,550 |
| Net loans and leases to deposits | 86.3977% | 1,534 |
| Net loans and leases to core deposits | 98.0873% | 1,210 |
| Total domestic deposits to total assets | 83.5406% | 4,498 |
| Equity capital to assets | 13.4072% | 1,181 |
| Core capital (leverage) ratio | 13.4562% | 994 |
| Tier 1 risk-based capital ratio | 16.6719% | 2,851 |
| Total risk-based capital ratio | 17.7516% | 2,892 |
| Memoranda: | ||
| Average total assets | $397,762,670 | 1,663 |
| Average earning assets | $366,739,000 | 1,649 |
| Average equity | $52,500,330 | 1,368 |
| Average total loans | $263,727,330 | 1,584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 3,056 |
| Cost of funding earning assets | 0.3532% | 5,503 |
| Net interest margin | 3.9075% | 2,097 |
| Noninterest income to average assets | 1.3120% | 895 |
| Noninterest expense to average assets | 3.4566% | 1,707 |
| Loan and lease loss provision to assets | 0.0883% | 3,189 |
| Net operating income to assets | 0.9008% | 2,654 |
| Return on assets (ROA) | 0.9008% | 2,800 |
| Pretax return on assets | 1.3742% | 1,948 |
| Return on Equity (ROE) | 6.8784% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.8784% | 2,217 |
| Net charge-offs to loans | 0.1847% | 2,297 |
| Credit loss provision to net charge-offs | 75.8621% | 2,217 |
| Earnings coverage of net charge-offs (x) | 12.5690% | 1,587 |
| Efficiency ratio | 70.2692% | 3,926 |
| Assets per employee ($millions) | 3.1761% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,020 |
| Loan loss allowance to noncurrent loans | 90.9290% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 3,609 |
| Noncurrent loans to loans | 1.0873% | 3,976 |
| Net loans and leases to total assets | 63.2160% | 2,848 |
| Net loans and leases to deposits | 73.8788% | 2,931 |
| Net loans and leases to core deposits | 84.8511% | 2,229 |
| Total domestic deposits to total assets | 85.5672% | 3,761 |
| Equity capital to assets | 13.3516% | 1,269 |
| Core capital (leverage) ratio | 13.1286% | 1,066 |
| Tier 1 risk-based capital ratio | 17.1825% | 2,682 |
| Total risk-based capital ratio | 18.2017% | 2,747 |
| Memoranda: | ||
| Average total assets | $398,772,000 | 1,677 |
| Average earning assets | $368,115,000 | 1,662 |
| Average equity | $52,221,500 | 1,395 |
| Average total loans | $251,207,500 | 1,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 2,336 |
| Cost of funding earning assets | 0.5019% | 5,207 |
| Net interest margin | 4.2646% | 1,479 |
| Noninterest income to average assets | 1.5056% | 694 |
| Noninterest expense to average assets | 3.5511% | 1,718 |
| Loan and lease loss provision to assets | 0.1219% | 4,091 |
| Net operating income to assets | 1.1669% | 1,705 |
| Return on assets (ROA) | 1.1669% | 1,867 |
| Pretax return on assets | 1.7598% | 1,000 |
| Return on Equity (ROE) | 9.3105% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.3105% | 744 |
| Net charge-offs to loans | 0.5858% | 1,973 |
| Credit loss provision to net charge-offs | 31.3636% | 5,096 |
| Earnings coverage of net charge-offs (x) | 4.8409% | 3,232 |
| Efficiency ratio | 65.3642% | 4,635 |
| Assets per employee ($millions) | 3.2557% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,981 |
| Loan loss allowance to noncurrent loans | 91.7882% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3094% | 3,463 |
| Noncurrent loans to loans | 1.3393% | 3,606 |
| Net loans and leases to total assets | 61.3999% | 3,357 |
| Net loans and leases to deposits | 71.2824% | 3,524 |
| Net loans and leases to core deposits | 83.1033% | 2,659 |
| Total domestic deposits to total assets | 86.1361% | 3,280 |
| Equity capital to assets | 12.8458% | 1,521 |
| Core capital (leverage) ratio | 12.6103% | 1,279 |
| Tier 1 risk-based capital ratio | 16.9391% | 2,685 |
| Total risk-based capital ratio | 17.9704% | 2,753 |
| Memoranda: | ||
| Average total assets | $396,188,000 | 1,653 |
| Average earning assets | $364,839,600 | 1,639 |
| Average equity | $49,653,800 | 1,428 |
| Average total loans | $262,887,000 | 1,577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 2,032 |
| Cost of funding earning assets | 0.5354% | 5,210 |
| Net interest margin | 4.3585% | 1,325 |
| Noninterest income to average assets | 1.4614% | 696 |
| Noninterest expense to average assets | 3.4466% | 1,889 |
| Loan and lease loss provision to assets | 0.1606% | 3,503 |
| Net operating income to assets | 1.1977% | 1,749 |
| Return on assets (ROA) | 1.1977% | 1,923 |
| Pretax return on assets | 1.8652% | 931 |
| Return on Equity (ROE) | 9.6177% | 2,536 |
| Retained earnings to average equity (ytd only) | 9.6177% | 1,023 |
| Net charge-offs to loans | 0.7247% | 1,525 |
| Credit loss provision to net charge-offs | 32.8720% | 4,752 |
| Earnings coverage of net charge-offs (x) | 4.1460% | 3,385 |
| Efficiency ratio | 62.9820% | 4,980 |
| Assets per employee ($millions) | 3.2997% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,443 |
| Loan loss allowance to noncurrent loans | 66.9750% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 3,122 |
| Noncurrent loans to loans | 1.7434% | 3,170 |
| Net loans and leases to total assets | 64.9206% | 2,859 |
| Net loans and leases to deposits | 75.1567% | 3,120 |
| Net loans and leases to core deposits | 90.0901% | 1,970 |
| Total domestic deposits to total assets | 86.3803% | 3,049 |
| Equity capital to assets | 12.5413% | 1,866 |
| Core capital (leverage) ratio | 12.6147% | 1,358 |
| Tier 1 risk-based capital ratio | 16.4499% | 3,033 |
| Total risk-based capital ratio | 17.5018% | 3,098 |
| Memoranda: | ||
| Average total assets | $394,309,000 | 1,681 |
| Average earning assets | $362,869,000 | 1,669 |
| Average equity | $49,102,500 | 1,453 |
| Average total loans | $265,869,000 | 1,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 2,427 |
| Cost of funding earning assets | 0.5643% | 5,190 |
| Net interest margin | 4.2558% | 1,587 |
| Noninterest income to average assets | 1.4025% | 729 |
| Noninterest expense to average assets | 3.4432% | 1,929 |
| Loan and lease loss provision to assets | 0.1608% | 3,503 |
| Net operating income to assets | 1.1090% | 2,012 |
| Return on assets (ROA) | 1.1090% | 2,229 |
| Pretax return on assets | 1.7159% | 1,216 |
| Return on Equity (ROE) | 8.9273% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.9273% | 1,303 |
| Net charge-offs to loans | 0.7319% | 1,511 |
| Credit loss provision to net charge-offs | 32.3045% | 4,401 |
| Earnings coverage of net charge-offs (x) | 3.7695% | 3,275 |
| Efficiency ratio | 64.7217% | 4,759 |
| Assets per employee ($millions) | 3.1095% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,542 |
| Loan loss allowance to noncurrent loans | 55.6399% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 2,774 |
| Noncurrent loans to loans | 2.0775% | 2,853 |
| Net loans and leases to total assets | 72.0252% | 1,550 |
| Net loans and leases to deposits | 84.8060% | 1,742 |
| Net loans and leases to core deposits | 99.7614% | 1,111 |
| Total domestic deposits to total assets | 84.9294% | 3,892 |
| Equity capital to assets | 12.6512% | 1,721 |
| Core capital (leverage) ratio | 12.3432% | 1,423 |
| Tier 1 risk-based capital ratio | 14.8584% | 3,859 |
| Total risk-based capital ratio | 15.9303% | 3,941 |
| Memoranda: | ||
| Average total assets | $390,456,000 | 1,694 |
| Average earning assets | $359,414,330 | 1,682 |
| Average equity | $48,503,000 | 1,455 |
| Average total loans | $265,623,670 | 1,568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 3,023 |
| Cost of funding earning assets | 0.5802% | 5,285 |
| Net interest margin | 4.1281% | 2,001 |
| Noninterest income to average assets | 1.4028% | 732 |
| Noninterest expense to average assets | 3.4716% | 1,820 |
| Loan and lease loss provision to assets | 0.1611% | 3,371 |
| Net operating income to assets | 1.0221% | 2,393 |
| Return on assets (ROA) | 1.0221% | 2,581 |
| Pretax return on assets | 1.5670% | 1,677 |
| Return on Equity (ROE) | 8.3050% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.3050% | 1,858 |
| Net charge-offs to loans | 0.4505% | 1,964 |
| Credit loss provision to net charge-offs | 54.5139% | 3,209 |
| Earnings coverage of net charge-offs (x) | 5.8472% | 2,291 |
| Efficiency ratio | 66.7653% | 4,412 |
| Assets per employee ($millions) | 3.1466% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,887 |
| Loan loss allowance to noncurrent loans | 48.9848% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.3009% | 2,582 |
| Noncurrent loans to loans | 2.7157% | 2,405 |
| Net loans and leases to total assets | 65.0584% | 2,638 |
| Net loans and leases to deposits | 75.0848% | 2,958 |
| Net loans and leases to core deposits | 88.8555% | 1,968 |
| Total domestic deposits to total assets | 86.6466% | 3,151 |
| Equity capital to assets | 12.2985% | 1,855 |
| Core capital (leverage) ratio | 12.2741% | 1,448 |
| Tier 1 risk-based capital ratio | 15.4988% | 3,451 |
| Total risk-based capital ratio | 16.7495% | 3,425 |
| Memoranda: | ||
| Average total assets | $389,786,000 | 1,707 |
| Average earning assets | $358,522,500 | 1,689 |
| Average equity | $47,971,000 | 1,458 |
| Average total loans | $255,689,500 | 1,630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,750 |
| Cost of funding earning assets | 0.6578% | 5,782 |
| Net interest margin | 4.6273% | 868 |
| Noninterest income to average assets | 1.4537% | 614 |
| Noninterest expense to average assets | 3.4012% | 2,237 |
| Loan and lease loss provision to assets | 0.2030% | 4,153 |
| Net operating income to assets | 1.3527% | 1,139 |
| Return on assets (ROA) | 1.3562% | 1,215 |
| Pretax return on assets | 2.1033% | 437 |
| Return on Equity (ROE) | 11.3214% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.6390% | 2,215 |
| Net charge-offs to loans | 0.1422% | 5,008 |
| Credit loss provision to net charge-offs | 207.1429% | 1,194 |
| Earnings coverage of net charge-offs (x) | 23.4735% | 1,022 |
| Efficiency ratio | 59.6480% | 5,812 |
| Assets per employee ($millions) | 3.0654% | 5,964 |
| Cash dividends to net income (ytd only)* | 50.1912% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,413 |
| Loan loss allowance to noncurrent loans | 59.5852% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.2965% | 2,631 |
| Noncurrent loans to loans | 2.7548% | 2,372 |
| Net loans and leases to total assets | 64.1819% | 3,145 |
| Net loans and leases to deposits | 74.3413% | 3,443 |
| Net loans and leases to core deposits | 89.1132% | 2,240 |
| Total domestic deposits to total assets | 86.3342% | 3,127 |
| Equity capital to assets | 12.3156% | 1,898 |
| Core capital (leverage) ratio | 11.9456% | 1,625 |
| Tier 1 risk-based capital ratio | 15.5117% | 3,316 |
| Total risk-based capital ratio | 16.7633% | 3,266 |
| Memoranda: | ||
| Average total assets | $385,630,400 | 1,678 |
| Average earning assets | $354,050,400 | 1,671 |
| Average equity | $46,195,800 | 1,479 |
| Average total loans | $265,900,000 | 1,582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 1,696 |
| Cost of funding earning assets | 0.6693% | 5,938 |
| Net interest margin | 4.6766% | 803 |
| Noninterest income to average assets | 1.3873% | 680 |
| Noninterest expense to average assets | 3.2880% | 2,535 |
| Loan and lease loss provision to assets | 0.2414% | 3,593 |
| Net operating income to assets | 1.3794% | 1,202 |
| Return on assets (ROA) | 1.3839% | 1,268 |
| Pretax return on assets | 2.1593% | 463 |
| Return on Equity (ROE) | 11.6340% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,512 |
| Net charge-offs to loans | 0.0752% | 5,212 |
| Credit loss provision to net charge-offs | 459.2105% | 604 |
| Earnings coverage of net charge-offs (x) | 45.5333% | 696 |
| Efficiency ratio | 57.8681% | 6,035 |
| Assets per employee ($millions) | 3.3602% | 5,342 |
| Cash dividends to net income (ytd only)* | 61.2348% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 4,243 |
| Loan loss allowance to noncurrent loans | 65.5922% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1690% | 2,939 |
| Noncurrent loans to loans | 2.2433% | 3,060 |
| Net loans and leases to total assets | 70.6275% | 1,957 |
| Net loans and leases to deposits | 87.2336% | 1,528 |
| Net loans and leases to core deposits | 106.5480% | 837 |
| Total domestic deposits to total assets | 80.9636% | 5,447 |
| Equity capital to assets | 11.5667% | 2,625 |
| Core capital (leverage) ratio | 11.3635% | 2,123 |
| Tier 1 risk-based capital ratio | 13.5155% | 4,725 |
| Total risk-based capital ratio | 14.7658% | 4,691 |
| Memoranda: | ||
| Average total assets | $385,477,750 | 1,691 |
| Average earning assets | $353,980,500 | 1,676 |
| Average equity | $45,852,750 | 1,484 |
| Average total loans | $269,366,500 | 1,584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 1,974 |
| Cost of funding earning assets | 0.6960% | 5,989 |
| Net interest margin | 4.5796% | 948 |
| Noninterest income to average assets | 1.3321% | 710 |
| Noninterest expense to average assets | 3.3217% | 2,489 |
| Loan and lease loss provision to assets | 0.2455% | 3,449 |
| Net operating income to assets | 1.2700% | 1,395 |
| Return on assets (ROA) | 1.2767% | 1,444 |
| Pretax return on assets | 1.9807% | 607 |
| Return on Equity (ROE) | 10.6294% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.4619% | 2,164 |
| Net charge-offs to loans | -0.1766% | 7,274 |
| Credit loss provision to net charge-offs | -200.8621% | 6,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9867% | 5,879 |
| Assets per employee ($millions) | 3.1821% | 5,672 |
| Cash dividends to net income (ytd only)* | 39.2076% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 4,070 |
| Loan loss allowance to noncurrent loans | 88.1217% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 3,510 |
| Noncurrent loans to loans | 1.7165% | 3,863 |
| Net loans and leases to total assets | 70.1911% | 2,184 |
| Net loans and leases to deposits | 89.5341% | 1,327 |
| Net loans and leases to core deposits | 108.5943% | 778 |
| Total domestic deposits to total assets | 78.3959% | 6,219 |
| Equity capital to assets | 11.6701% | 2,350 |
| Core capital (leverage) ratio | 11.8533% | 1,690 |
| Tier 1 risk-based capital ratio | 13.7744% | 4,323 |
| Total risk-based capital ratio | 15.0257% | 4,295 |
| Memoranda: | ||
| Average total assets | $379,561,330 | 1,727 |
| Average earning assets | $348,544,670 | 1,722 |
| Average equity | $45,590,330 | 1,480 |
| Average total loans | $262,808,000 | 1,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 2,420 |
| Cost of funding earning assets | 0.7474% | 5,871 |
| Net interest margin | 4.4058% | 1,260 |
| Noninterest income to average assets | 1.3551% | 702 |
| Noninterest expense to average assets | 3.3580% | 2,386 |
| Loan and lease loss provision to assets | 0.1998% | 3,638 |
| Net operating income to assets | 1.1942% | 1,538 |
| Return on assets (ROA) | 1.1802% | 1,622 |
| Pretax return on assets | 1.8172% | 788 |
| Return on Equity (ROE) | 9.6778% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.6778% | 1,190 |
| Net charge-offs to loans | 0.2614% | 3,022 |
| Credit loss provision to net charge-offs | 112.1212% | 2,390 |
| Earnings coverage of net charge-offs (x) | 11.4424% | 1,553 |
| Efficiency ratio | 62.2249% | 5,647 |
| Assets per employee ($millions) | 2.9907% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 5,037 |
| Loan loss allowance to noncurrent loans | 100.2680% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 3,999 |
| Noncurrent loans to loans | 1.3160% | 4,497 |
| Net loans and leases to total assets | 69.0110% | 2,322 |
| Net loans and leases to deposits | 80.3896% | 2,639 |
| Net loans and leases to core deposits | 99.8050% | 1,354 |
| Total domestic deposits to total assets | 85.8457% | 3,612 |
| Equity capital to assets | 12.5219% | 1,620 |
| Core capital (leverage) ratio | 12.1800% | 1,465 |
| Tier 1 risk-based capital ratio | 15.0364% | 3,404 |
| Total risk-based capital ratio | 16.2867% | 3,365 |
| Memoranda: | ||
| Average total assets | $370,458,500 | 1,784 |
| Average earning assets | $339,825,500 | 1,773 |
| Average equity | $45,175,500 | 1,485 |
| Average total loans | $252,469,500 | 1,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 2,731 |
| Cost of funding earning assets | 0.8524% | 6,362 |
| Net interest margin | 4.5357% | 1,162 |
| Noninterest income to average assets | 1.5536% | 609 |
| Noninterest expense to average assets | 3.4241% | 2,368 |
| Loan and lease loss provision to assets | 0.3455% | 4,063 |
| Net operating income to assets | 1.3115% | 1,141 |
| Return on assets (ROA) | 1.3115% | 1,213 |
| Pretax return on assets | 1.9343% | 562 |
| Return on Equity (ROE) | 11.8142% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.1687% | 489 |
| Net charge-offs to loans | 0.3569% | 4,232 |
| Credit loss provision to net charge-offs | 144.6020% | 2,566 |
| Earnings coverage of net charge-offs (x) | 9.5409% | 1,809 |
| Efficiency ratio | 60.0302% | 6,042 |
| Assets per employee ($millions) | 2.9610% | 6,186 |
| Cash dividends to net income (ytd only)* | 13.9281% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 4,014 |
| Loan loss allowance to noncurrent loans | 127.8935% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 4,316 |
| Noncurrent loans to loans | 1.1727% | 4,760 |
| Net loans and leases to total assets | 65.4242% | 3,570 |
| Net loans and leases to deposits | 75.4611% | 3,926 |
| Net loans and leases to core deposits | 98.2054% | 1,779 |
| Total domestic deposits to total assets | 86.6992% | 2,979 |
| Equity capital to assets | 11.8768% | 1,987 |
| Core capital (leverage) ratio | 11.3854% | 1,898 |
| Tier 1 risk-based capital ratio | 14.7890% | 3,376 |
| Total risk-based capital ratio | 16.0392% | 3,331 |
| Memoranda: | ||
| Average total assets | $383,755,400 | 1,712 |
| Average earning assets | $351,144,000 | 1,709 |
| Average equity | $42,601,400 | 1,560 |
| Average total loans | $256,935,200 | 1,723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3832% | 2,956 |
| Cost of funding earning assets | 0.8575% | 6,555 |
| Net interest margin | 4.5257% | 1,203 |
| Noninterest income to average assets | 1.5515% | 581 |
| Noninterest expense to average assets | 3.3785% | 2,361 |
| Loan and lease loss provision to assets | 0.4238% | 3,369 |
| Net operating income to assets | 1.3016% | 1,336 |
| Return on assets (ROA) | 1.3016% | 1,405 |
| Pretax return on assets | 1.8854% | 790 |
| Return on Equity (ROE) | 11.9276% | 1,523 |
| Retained earnings to average equity (ytd only) | 9.9286% | 813 |
| Net charge-offs to loans | 0.4628% | 3,437 |
| Credit loss provision to net charge-offs | 136.5256% | 2,930 |
| Earnings coverage of net charge-offs (x) | 7.4388% | 2,332 |
| Efficiency ratio | 59.3995% | 6,041 |
| Assets per employee ($millions) | 3.1343% | 5,847 |
| Cash dividends to net income (ytd only)* | 16.7596% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,913 |
| Loan loss allowance to noncurrent loans | 262.3648% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8809% | 5,333 |
| Noncurrent loans to loans | 0.4987% | 6,202 |
| Net loans and leases to total assets | 68.4176% | 3,119 |
| Net loans and leases to deposits | 84.0254% | 2,698 |
| Net loans and leases to core deposits | 107.5809% | 1,195 |
| Total domestic deposits to total assets | 81.4250% | 5,231 |
| Equity capital to assets | 10.9587% | 3,000 |
| Core capital (leverage) ratio | 10.7954% | 2,416 |
| Tier 1 risk-based capital ratio | 13.1067% | 4,496 |
| Total risk-based capital ratio | 14.2366% | 4,561 |
| Memoranda: | ||
| Average total assets | $385,681,250 | 1,730 |
| Average earning assets | $352,494,250 | 1,725 |
| Average equity | $42,086,000 | 1,576 |
| Average total loans | $258,725,250 | 1,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 3,640 |
| Cost of funding earning assets | 0.8612% | 6,725 |
| Net interest margin | 4.4010% | 1,440 |
| Noninterest income to average assets | 1.6315% | 485 |
| Noninterest expense to average assets | 3.3371% | 2,437 |
| Loan and lease loss provision to assets | 0.4504% | 3,072 |
| Net operating income to assets | 1.3366% | 1,225 |
| Return on assets (ROA) | 1.3366% | 1,299 |
| Pretax return on assets | 1.8649% | 788 |
| Return on Equity (ROE) | 12.2673% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.7319% | 532 |
| Net charge-offs to loans | 0.2989% | 3,825 |
| Credit loss provision to net charge-offs | 227.3210% | 1,704 |
| Earnings coverage of net charge-offs (x) | 11.6844% | 1,745 |
| Efficiency ratio | 59.0385% | 6,213 |
| Assets per employee ($millions) | 3.1438% | 5,804 |
| Cash dividends to net income (ytd only)* | 4.3649% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,513 |
| Loan loss allowance to noncurrent loans | 87.5535% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7024% | 3,889 |
| Noncurrent loans to loans | 1.5791% | 4,342 |
| Net loans and leases to total assets | 66.7764% | 3,673 |
| Net loans and leases to deposits | 81.7181% | 3,313 |
| Net loans and leases to core deposits | 99.1637% | 2,106 |
| Total domestic deposits to total assets | 81.7156% | 5,105 |
| Equity capital to assets | 10.9615% | 2,903 |
| Core capital (leverage) ratio | 10.7399% | 2,438 |
| Tier 1 risk-based capital ratio | 13.4169% | 4,128 |
| Total risk-based capital ratio | 14.6422% | 4,104 |
| Memoranda: | ||
| Average total assets | $380,512,000 | 1,766 |
| Average earning assets | $347,648,330 | 1,757 |
| Average equity | $41,459,670 | 1,590 |
| Average total loans | $252,259,330 | 1,796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 3,964 |
| Cost of funding earning assets | 0.8749% | 6,857 |
| Net interest margin | 4.3347% | 1,579 |
| Noninterest income to average assets | 1.2707% | 753 |
| Noninterest expense to average assets | 3.2061% | 2,835 |
| Loan and lease loss provision to assets | 0.4542% | 2,694 |
| Net operating income to assets | 1.0292% | 2,070 |
| Return on assets (ROA) | 1.0292% | 2,131 |
| Pretax return on assets | 1.5603% | 1,362 |
| Return on Equity (ROE) | 9.4757% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.0722% | 1,380 |
| Net charge-offs to loans | 0.0799% | 4,621 |
| Credit loss provision to net charge-offs | 867.3469% | 535 |
| Earnings coverage of net charge-offs (x) | 38.4694% | 716 |
| Efficiency ratio | 61.4125% | 5,925 |
| Assets per employee ($millions) | 3.1306% | 5,924 |
| Cash dividends to net income (ytd only)* | 4.2575% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,455 |
| Loan loss allowance to noncurrent loans | 92.2635% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 4,073 |
| Noncurrent loans to loans | 1.5099% | 4,484 |
| Net loans and leases to total assets | 61.5379% | 4,851 |
| Net loans and leases to deposits | 75.1432% | 4,552 |
| Net loans and leases to core deposits | 95.9178% | 2,601 |
| Total domestic deposits to total assets | 81.8941% | 5,120 |
| Equity capital to assets | 10.6018% | 3,143 |
| Core capital (leverage) ratio | 11.0520% | 2,200 |
| Tier 1 risk-based capital ratio | 13.7147% | 3,853 |
| Total risk-based capital ratio | 14.9649% | 3,806 |
| Memoranda: | ||
| Average total assets | $374,281,000 | 1,833 |
| Average earning assets | $341,060,500 | 1,837 |
| Average equity | $40,651,500 | 1,643 |
| Average total loans | $245,342,500 | 1,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 2,885 |
| Cost of funding earning assets | 1.1152% | 6,928 |
| Net interest margin | 4.6300% | 931 |
| Noninterest income to average assets | 1.2406% | 979 |
| Noninterest expense to average assets | 3.5382% | 2,297 |
| Loan and lease loss provision to assets | 0.4256% | 4,274 |
| Net operating income to assets | 1.0176% | 1,782 |
| Return on assets (ROA) | 1.0176% | 1,827 |
| Pretax return on assets | 1.4961% | 1,193 |
| Return on Equity (ROE) | 9.6479% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.3004% | 630 |
| Net charge-offs to loans | 0.3044% | 4,729 |
| Credit loss provision to net charge-offs | 204.2050% | 1,895 |
| Earnings coverage of net charge-offs (x) | 9.2208% | 1,830 |
| Efficiency ratio | 64.8041% | 5,620 |
| Assets per employee ($millions) | 2.9298% | 6,389 |
| Cash dividends to net income (ytd only)* | 13.9666% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,160 |
| Loan loss allowance to noncurrent loans | 78.9935% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 3,671 |
| Noncurrent loans to loans | 1.5599% | 4,314 |
| Net loans and leases to total assets | 68.0868% | 3,688 |
| Net loans and leases to deposits | 81.9982% | 3,614 |
| Net loans and leases to core deposits | 111.2013% | 2,771 |
| Total domestic deposits to total assets | 83.0346% | 4,505 |
| Equity capital to assets | 11.1407% | 2,591 |
| Core capital (leverage) ratio | 10.5070% | 2,599 |
| Tier 1 risk-based capital ratio | 13.3717% | 3,901 |
| Total risk-based capital ratio | 14.5128% | 3,919 |
| Memoranda: | ||
| Average total assets | $365,156,600 | 1,861 |
| Average earning assets | $332,766,000 | 1,869 |
| Average equity | $38,516,000 | 1,744 |
| Average total loans | $250,004,000 | 1,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 3,392 |
| Cost of funding earning assets | 1.1622% | 6,995 |
| Net interest margin | 4.5277% | 1,125 |
| Noninterest income to average assets | 1.1504% | 1,186 |
| Noninterest expense to average assets | 3.3912% | 2,605 |
| Loan and lease loss provision to assets | 0.3789% | 4,058 |
| Net operating income to assets | 1.0041% | 2,041 |
| Return on assets (ROA) | 1.0041% | 2,100 |
| Pretax return on assets | 1.5103% | 1,386 |
| Return on Equity (ROE) | 9.6529% | 2,049 |
| Retained earnings to average equity (ytd only) | 8.3374% | 1,029 |
| Net charge-offs to loans | 0.1523% | 5,193 |
| Credit loss provision to net charge-offs | 363.9860% | 1,117 |
| Earnings coverage of net charge-offs (x) | 18.1505% | 1,364 |
| Efficiency ratio | 64.2222% | 5,700 |
| Assets per employee ($millions) | 3.2344% | 5,562 |
| Cash dividends to net income (ytd only)* | 13.6281% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,332 |
| Loan loss allowance to noncurrent loans | 85.4550% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.7161% | 3,800 |
| Noncurrent loans to loans | 1.3617% | 4,652 |
| Net loans and leases to total assets | 70.5130% | 3,388 |
| Net loans and leases to deposits | 91.1637% | 2,369 |
| Net loans and leases to core deposits | 122.0809% | 2,063 |
| Total domestic deposits to total assets | 77.3477% | 6,249 |
| Equity capital to assets | 10.0895% | 3,971 |
| Core capital (leverage) ratio | 10.1637% | 3,099 |
| Tier 1 risk-based capital ratio | 11.8950% | 5,069 |
| Total risk-based capital ratio | 12.9198% | 5,220 |
| Memoranda: | ||
| Average total assets | $366,355,250 | 1,869 |
| Average earning assets | $334,173,000 | 1,875 |
| Average equity | $38,108,250 | 1,791 |
| Average total loans | $250,400,000 | 1,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 4,047 |
| Cost of funding earning assets | 1.2627% | 6,916 |
| Net interest margin | 4.3436% | 1,541 |
| Noninterest income to average assets | 1.1273% | 1,237 |
| Noninterest expense to average assets | 3.5300% | 2,252 |
| Loan and lease loss provision to assets | 0.1681% | 5,382 |
| Net operating income to assets | 0.9256% | 2,363 |
| Return on assets (ROA) | 0.9256% | 2,455 |
| Pretax return on assets | 1.3860% | 1,767 |
| Return on Equity (ROE) | 8.8024% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.6762% | 1,325 |
| Net charge-offs to loans | 0.0083% | 6,462 |
| Credit loss provision to net charge-offs | 3,010.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 278.2000% | 142 |
| Efficiency ratio | 69.4319% | 4,894 |
| Assets per employee ($millions) | 2.9769% | 6,194 |
| Cash dividends to net income (ytd only)* | 12.7942% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,128 |
| Loan loss allowance to noncurrent loans | 39.5702% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.9785% | 2,138 |
| Noncurrent loans to loans | 2.5615% | 2,831 |
| Net loans and leases to total assets | 69.6577% | 3,781 |
| Net loans and leases to deposits | 87.5273% | 3,254 |
| Net loans and leases to core deposits | 110.8642% | 3,279 |
| Total domestic deposits to total assets | 79.5840% | 5,601 |
| Equity capital to assets | 10.3760% | 3,543 |
| Core capital (leverage) ratio | 10.4222% | 2,882 |
| Tier 1 risk-based capital ratio | 12.3475% | 4,643 |
| Total risk-based capital ratio | 13.2855% | 4,810 |
| Memoranda: | ||
| Average total assets | $358,020,670 | 1,938 |
| Average earning assets | $326,137,000 | 1,941 |
| Average equity | $37,649,000 | 1,812 |
| Average total loans | $240,797,330 | 2,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 3,551 |
| Cost of funding earning assets | 1.3978% | 6,737 |
| Net interest margin | 4.3482% | 1,471 |
| Noninterest income to average assets | 1.0986% | 1,237 |
| Noninterest expense to average assets | 3.5476% | 1,981 |
| Loan and lease loss provision to assets | 0.0647% | 6,143 |
| Net operating income to assets | 0.9681% | 2,451 |
| Return on assets (ROA) | 0.9681% | 2,578 |
| Pretax return on assets | 1.4436% | 1,833 |
| Return on Equity (ROE) | 9.1419% | 2,655 |
| Retained earnings to average equity (ytd only) | 7.4057% | 2,055 |
| Net charge-offs to loans | -0.0052% | 7,184 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1684% | 4,541 |
| Assets per employee ($millions) | 2.8531% | 6,524 |
| Cash dividends to net income (ytd only)* | 18.9918% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,276 |
| Loan loss allowance to noncurrent loans | 221.6346% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5312% | 3,639 |
| Noncurrent loans to loans | 0.4454% | 6,312 |
| Net loans and leases to total assets | 65.3487% | 4,738 |
| Net loans and leases to deposits | 77.7040% | 4,971 |
| Net loans and leases to core deposits | 96.7983% | 4,867 |
| Total domestic deposits to total assets | 84.0995% | 3,655 |
| Equity capital to assets | 10.6467% | 3,329 |
| Core capital (leverage) ratio | 10.4232% | 3,009 |
| Tier 1 risk-based capital ratio | 13.1767% | 4,068 |
| Total risk-based capital ratio | 14.1156% | 4,195 |
| Memoranda: | ||
| Average total assets | $352,460,500 | 1,970 |
| Average earning assets | $320,778,500 | 1,977 |
| Average equity | $37,322,500 | 1,827 |
| Average total loans | $231,312,000 | 2,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5349% | 2,787 |
| Cost of funding earning assets | 2.1057% | 6,027 |
| Net interest margin | 4.4292% | 1,598 |
| Noninterest income to average assets | 1.3383% | 803 |
| Noninterest expense to average assets | 3.4764% | 2,462 |
| Loan and lease loss provision to assets | 0.3415% | 3,658 |
| Net operating income to assets | 1.0027% | 2,546 |
| Return on assets (ROA) | 1.0087% | 2,401 |
| Pretax return on assets | 1.5056% | 1,668 |
| Return on Equity (ROE) | 9.6650% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.1016% | 817 |
| Net charge-offs to loans | 0.6298% | 1,954 |
| Credit loss provision to net charge-offs | 81.4003% | 5,872 |
| Earnings coverage of net charge-offs (x) | 4.3819% | 4,004 |
| Efficiency ratio | 65.4125% | 5,239 |
| Assets per employee ($millions) | 2.8548% | 6,429 |
| Cash dividends to net income (ytd only)* | 16.1765% | 4,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,129 |
| Loan loss allowance to noncurrent loans | 121.8898% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6019% | 3,044 |
| Noncurrent loans to loans | 0.9191% | 4,785 |
| Net loans and leases to total assets | 64.5215% | 5,168 |
| Net loans and leases to deposits | 79.7859% | 5,078 |
| Net loans and leases to core deposits | 95.0112% | 5,347 |
| Total domestic deposits to total assets | 80.8683% | 4,701 |
| Equity capital to assets | 10.5312% | 3,464 |
| Core capital (leverage) ratio | 10.2875% | 3,181 |
| Tier 1 risk-based capital ratio | 11.9717% | 4,844 |
| Total risk-based capital ratio | 12.8212% | 5,065 |
| Memoranda: | ||
| Average total assets | $337,076,800 | 1,980 |
| Average earning assets | $302,608,000 | 2,020 |
| Average equity | $35,178,400 | 1,921 |
| Average total loans | $224,502,000 | 2,088 |