Home > Sanibel Captiva Community Bank > Performance and Condition Ratios
Sanibel Captiva Community 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 | 6.0673% | 582 |
| Cost of funding earning assets | 0.6167% | 4,043 |
| Net interest margin | 5.4506% | 194 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.4937% | 2,313 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.1781% | 356 |
| Return on assets (ROA) | 2.1781% | 343 |
| Pretax return on assets | 2.9194% | 217 |
| Return on Equity (ROE) | 28.7900% | 201 |
| Retained earnings to average equity (ytd only) | 19.4328% | 144 |
| Net charge-offs to loans | 0.0196% | 1,956 |
| Credit loss provision to net charge-offs | 1,371.1111% | 314 |
| Earnings coverage of net charge-offs (x) | 192.2074% | 600 |
| Efficiency ratio | 44.1185% | 4,249 |
| Assets per employee ($millions) | 8.1807% | 1,341 |
| Cash dividends to net income (ytd only)* | 32.4932% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,285 |
| Loan loss allowance to noncurrent loans | 311.9934% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 1,858 |
| Noncurrent loans to loans | 0.3219% | 2,028 |
| Net loans and leases to total assets | 84.1600% | 260 |
| Net loans and leases to deposits | 91.6708% | 1,126 |
| Net loans and leases to core deposits | 91.8763% | 1,911 |
| Total domestic deposits to total assets | 91.8100% | 337 |
| Equity capital to assets | 7.8864% | 3,490 |
| Core capital (leverage) ratio | 8.0259% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0235% | 2,577 |
| Memoranda: | ||
| Average total assets | $821,514,400 | 1,158 |
| Average earning assets | $784,041,400 | 1,123 |
| Average equity | $62,157,800 | 1,356 |
| Average total loans | $689,066,800 | 976 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 589 |
| Cost of funding earning assets | 0.4393% | 4,214 |
| Net interest margin | 5.4783% | 183 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.5337% | 2,125 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 2.1799% | 386 |
| Return on assets (ROA) | 2.1799% | 384 |
| Pretax return on assets | 2.9201% | 250 |
| Return on Equity (ROE) | 29.1500% | 243 |
| Retained earnings to average equity (ytd only) | 19.6574% | 271 |
| Net charge-offs to loans | 0.0065% | 2,203 |
| Credit loss provision to net charge-offs | 4,700.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 585.3939% | 267 |
| Efficiency ratio | 44.2241% | 4,216 |
| Assets per employee ($millions) | 8.0277% | 1,332 |
| Cash dividends to net income (ytd only)* | 32.5618% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,371 |
| Loan loss allowance to noncurrent loans | 336.9725% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,006 |
| Noncurrent loans to loans | 0.2967% | 2,174 |
| Net loans and leases to total assets | 83.8900% | 287 |
| Net loans and leases to deposits | 91.2917% | 1,117 |
| Net loans and leases to core deposits | 91.6707% | 1,818 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 7.6686% | 3,263 |
| Core capital (leverage) ratio | 7.6868% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5530% | 2,716 |
| Memoranda: | ||
| Average total assets | $806,014,000 | 1,174 |
| Average earning assets | $768,400,250 | 1,143 |
| Average equity | $60,277,750 | 1,377 |
| Average total loans | $673,553,500 | 993 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6800% | 657 |
| Cost of funding earning assets | 0.2241% | 4,403 |
| Net interest margin | 5.4558% | 182 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.4954% | 2,220 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 2.1937% | 357 |
| Return on assets (ROA) | 2.1937% | 349 |
| Pretax return on assets | 2.9370% | 219 |
| Return on Equity (ROE) | 29.6100% | 218 |
| Retained earnings to average equity (ytd only) | 20.1002% | 247 |
| Net charge-offs to loans | 0.0104% | 1,809 |
| Credit loss provision to net charge-offs | 3,502.9412% | 152 |
| Earnings coverage of net charge-offs (x) | 378.0294% | 378 |
| Efficiency ratio | 43.2689% | 4,289 |
| Assets per employee ($millions) | 7.8436% | 1,391 |
| Cash dividends to net income (ytd only)* | 32.1188% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,437 |
| Loan loss allowance to noncurrent loans | 312.8079% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 1,886 |
| Noncurrent loans to loans | 0.3184% | 2,004 |
| Net loans and leases to total assets | 81.9700% | 432 |
| Net loans and leases to deposits | 88.9429% | 1,265 |
| Net loans and leases to core deposits | 89.3190% | 1,845 |
| Total domestic deposits to total assets | 92.1600% | 381 |
| Equity capital to assets | 7.4900% | 3,524 |
| Core capital (leverage) ratio | 7.9416% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3174% | 2,796 |
| Memoranda: | ||
| Average total assets | $785,689,000 | 1,192 |
| Average earning assets | $747,717,000 | 1,168 |
| Average equity | $58,208,333 | 1,421 |
| Average total loans | $653,185,667 | 1,004 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 622 |
| Cost of funding earning assets | 0.1454% | 4,466 |
| Net interest margin | 5.3604% | 182 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.4027% | 2,522 |
| Loan and lease loss provision to assets | 0.3900% | 208 |
| Net operating income to assets | 2.1797% | 386 |
| Return on assets (ROA) | 2.1797% | 379 |
| Pretax return on assets | 2.9219% | 216 |
| Return on Equity (ROE) | 29.6000% | 243 |
| Retained earnings to average equity (ytd only) | 20.1482% | 369 |
| Net charge-offs to loans | -0.0006% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.0219% | 4,387 |
| Assets per employee ($millions) | 7.3389% | 1,718 |
| Cash dividends to net income (ytd only)* | 31.9397% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,570 |
| Loan loss allowance to noncurrent loans | 312.2281% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 1,811 |
| Noncurrent loans to loans | 0.3157% | 2,012 |
| Net loans and leases to total assets | 83.4300% | 275 |
| Net loans and leases to deposits | 90.8438% | 987 |
| Net loans and leases to core deposits | 91.4609% | 1,531 |
| Total domestic deposits to total assets | 91.8300% | 556 |
| Equity capital to assets | 7.7641% | 3,401 |
| Core capital (leverage) ratio | 8.0585% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4868% | 2,856 |
| Memoranda: | ||
| Average total assets | $754,976,500 | 1,249 |
| Average earning assets | $717,927,000 | 1,217 |
| Average equity | $55,588,000 | 1,475 |
| Average total loans | $629,092,500 | 1,042 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 1,039 |
| Cost of funding earning assets | 0.1107% | 4,335 |
| Net interest margin | 4.1934% | 544 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3897% | 2,455 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4369% | 1,033 |
| Return on assets (ROA) | 1.4369% | 996 |
| Pretax return on assets | 1.9084% | 572 |
| Return on Equity (ROE) | 22.3200% | 322 |
| Retained earnings to average equity (ytd only) | 11.8572% | 699 |
| Net charge-offs to loans | -0.0012% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0973% | 3,872 |
| Assets per employee ($millions) | 7.0387% | 1,943 |
| Cash dividends to net income (ytd only)* | 46.8853% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,527 |
| Loan loss allowance to noncurrent loans | 281.6820% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 1,733 |
| Noncurrent loans to loans | 0.3433% | 1,914 |
| Net loans and leases to total assets | 81.5400% | 448 |
| Net loans and leases to deposits | 87.8523% | 1,184 |
| Net loans and leases to core deposits | 88.8010% | 1,563 |
| Total domestic deposits to total assets | 92.8200% | 445 |
| Equity capital to assets | 6.9365% | 3,702 |
| Core capital (leverage) ratio | 7.0661% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5690% | 3,025 |
| Memoranda: | ||
| Average total assets | $740,687,000 | 1,260 |
| Average earning assets | $709,737,600 | 1,222 |
| Average equity | $47,675,600 | 1,682 |
| Average total loans | $516,397,000 | 1,150 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 1,227 |
| Cost of funding earning assets | 0.0980% | 4,300 |
| Net interest margin | 3.9231% | 760 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2568% | 2,770 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4212% | 1,027 |
| Return on assets (ROA) | 1.4212% | 1,004 |
| Pretax return on assets | 1.8787% | 619 |
| Return on Equity (ROE) | 22.5100% | 274 |
| Retained earnings to average equity (ytd only) | 11.8717% | 824 |
| Net charge-offs to loans | -0.0011% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9632% | 3,918 |
| Assets per employee ($millions) | 6.6044% | 2,238 |
| Cash dividends to net income (ytd only)* | 47.2594% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 3,845 |
| Loan loss allowance to noncurrent loans | 242.9193% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 1,776 |
| Noncurrent loans to loans | 0.3716% | 1,908 |
| Net loans and leases to total assets | 78.0800% | 699 |
| Net loans and leases to deposits | 84.1395% | 1,287 |
| Net loans and leases to core deposits | 85.0792% | 1,581 |
| Total domestic deposits to total assets | 92.8000% | 634 |
| Equity capital to assets | 6.9764% | 3,534 |
| Core capital (leverage) ratio | 6.8228% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9319% | 3,046 |
| Memoranda: | ||
| Average total assets | $742,851,750 | 1,269 |
| Average earning assets | $713,054,750 | 1,221 |
| Average equity | $46,900,250 | 1,722 |
| Average total loans | $494,812,000 | 1,184 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 1,645 |
| Cost of funding earning assets | 0.0913% | 4,282 |
| Net interest margin | 3.5713% | 1,126 |
| Noninterest income to average assets | 0.4777% | 2,316 |
| Noninterest expense to average assets | 2.2143% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2923% | 1,155 |
| Return on assets (ROA) | 1.2923% | 1,138 |
| Pretax return on assets | 1.6924% | 768 |
| Return on Equity (ROE) | 21.1625% | 235 |
| Retained earnings to average equity (ytd only) | 10.3383% | 941 |
| Net charge-offs to loans | -0.0013% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6798% | 3,705 |
| Assets per employee ($millions) | 6.9033% | 2,004 |
| Cash dividends to net income (ytd only)* | 51.1480% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 4,088 |
| Loan loss allowance to noncurrent loans | 181.0381% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 1,707 |
| Noncurrent loans to loans | 0.4681% | 1,708 |
| Net loans and leases to total assets | 68.5060% | 1,437 |
| Net loans and leases to deposits | 73.3796% | 1,924 |
| Net loans and leases to core deposits | 74.1567% | 2,155 |
| Total domestic deposits to total assets | 93.3584% | 420 |
| Equity capital to assets | 6.4316% | 4,042 |
| Core capital (leverage) ratio | 6.2471% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2438% | 2,979 |
| Memoranda: | ||
| Average total assets | $754,912,333 | 1,245 |
| Average earning assets | $724,837,333 | 1,215 |
| Average equity | $46,100,333 | 1,798 |
| Average total loans | $474,148,667 | 1,215 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 2,213 |
| Cost of funding earning assets | 0.0944% | 4,206 |
| Net interest margin | 3.2649% | 1,666 |
| Noninterest income to average assets | 0.4786% | 2,248 |
| Noninterest expense to average assets | 2.2620% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0259% | 1,778 |
| Return on assets (ROA) | 1.0259% | 1,765 |
| Pretax return on assets | 1.3530% | 1,374 |
| Return on Equity (ROE) | 17.2434% | 399 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,154 |
| Net charge-offs to loans | -0.0009% | 3,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5725% | 3,197 |
| Assets per employee ($millions) | 7.6661% | 1,574 |
| Cash dividends to net income (ytd only)* | 63.7200% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,912 |
| Loan loss allowance to noncurrent loans | 208.9415% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 2,109 |
| Noncurrent loans to loans | 0.4530% | 1,895 |
| Net loans and leases to total assets | 56.7505% | 2,447 |
| Net loans and leases to deposits | 60.3443% | 2,872 |
| Net loans and leases to core deposits | 60.9471% | 3,067 |
| Total domestic deposits to total assets | 94.0446% | 112 |
| Equity capital to assets | 5.7488% | 4,629 |
| Core capital (leverage) ratio | 5.9362% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1975% | 2,847 |
| Memoranda: | ||
| Average total assets | $763,042,500 | 1,240 |
| Average earning assets | $733,001,000 | 1,213 |
| Average equity | $45,397,000 | 1,873 |
| Average total loans | $456,050,000 | 1,246 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 1,680 |
| Cost of funding earning assets | 0.1664% | 3,809 |
| Net interest margin | 3.7104% | 1,189 |
| Noninterest income to average assets | 0.5270% | 2,458 |
| Noninterest expense to average assets | 2.2865% | 2,832 |
| Loan and lease loss provision to assets | 0.0138% | 2,809 |
| Net operating income to assets | 1.3643% | 1,398 |
| Return on assets (ROA) | 1.3643% | 1,446 |
| Pretax return on assets | 1.7871% | 942 |
| Return on Equity (ROE) | 23.3013% | 162 |
| Retained earnings to average equity (ytd only) | 12.7434% | 433 |
| Net charge-offs to loans | -0.0287% | 4,108 |
| Credit loss provision to net charge-offs | -74.0741% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9406% | 3,713 |
| Assets per employee ($millions) | 7.0078% | 1,922 |
| Cash dividends to net income (ytd only)* | 45.3101% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.8813% | 1,956 |
| Net loans and leases to deposits | 66.0323% | 2,512 |
| Net loans and leases to core deposits | 66.8396% | 2,747 |
| Total domestic deposits to total assets | 93.7137% | 19 |
| Equity capital to assets | 6.1690% | 4,810 |
| Core capital (leverage) ratio | 6.1535% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1446% | 2,856 |
| Memoranda: | ||
| Average total assets | $724,413,400 | 1,255 |
| Average earning assets | $695,122,000 | 1,227 |
| Average equity | $42,414,000 | 1,998 |
| Average total loans | $469,783,400 | 1,221 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 1,841 |
| Cost of funding earning assets | 0.1854% | 3,758 |
| Net interest margin | 3.6888% | 1,360 |
| Noninterest income to average assets | 0.5569% | 2,387 |
| Noninterest expense to average assets | 2.2072% | 3,048 |
| Loan and lease loss provision to assets | 0.0184% | 2,637 |
| Net operating income to assets | 1.4127% | 1,503 |
| Return on assets (ROA) | 1.4127% | 1,562 |
| Pretax return on assets | 1.8697% | 1,002 |
| Return on Equity (ROE) | 24.4591% | 189 |
| Retained earnings to average equity (ytd only) | 13.7423% | 539 |
| Net charge-offs to loans | -0.0031% | 3,310 |
| Credit loss provision to net charge-offs | -909.0909% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8957% | 3,828 |
| Assets per employee ($millions) | 7.5042% | 1,568 |
| Cash dividends to net income (ytd only)* | 43.8152% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.9179% | 2,271 |
| Net loans and leases to deposits | 63.7495% | 2,879 |
| Net loans and leases to core deposits | 64.5969% | 3,079 |
| Total domestic deposits to total assets | 93.9895% | 9 |
| Equity capital to assets | 5.7870% | 4,897 |
| Core capital (leverage) ratio | 5.7309% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1673% | 2,932 |
| Memoranda: | ||
| Average total assets | $723,314,750 | 1,276 |
| Average earning assets | $693,839,000 | 1,241 |
| Average equity | $41,777,500 | 2,051 |
| Average total loans | $473,399,750 | 1,232 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 1,746 |
| Cost of funding earning assets | 0.2094% | 3,661 |
| Net interest margin | 3.7199% | 1,299 |
| Noninterest income to average assets | 0.5597% | 2,374 |
| Noninterest expense to average assets | 2.1695% | 3,189 |
| Loan and lease loss provision to assets | 0.0281% | 2,420 |
| Net operating income to assets | 1.4572% | 1,405 |
| Return on assets (ROA) | 1.4572% | 1,473 |
| Pretax return on assets | 1.9270% | 958 |
| Return on Equity (ROE) | 25.2465% | 185 |
| Retained earnings to average equity (ytd only) | 14.3514% | 504 |
| Net charge-offs to loans | -0.0025% | 3,247 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5990% | 3,976 |
| Assets per employee ($millions) | 7.6301% | 1,402 |
| Cash dividends to net income (ytd only)* | 43.1546% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.2942% | 2,391 |
| Net loans and leases to deposits | 63.8516% | 3,016 |
| Net loans and leases to core deposits | 64.7588% | 3,212 |
| Total domestic deposits to total assets | 94.4287% | 6 |
| Equity capital to assets | 5.4612% | 4,938 |
| Core capital (leverage) ratio | 5.7415% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1729% | 2,928 |
| Memoranda: | ||
| Average total assets | $711,778,333 | 1,286 |
| Average earning assets | $682,109,333 | 1,253 |
| Average equity | $41,083,000 | 2,057 |
| Average total loans | $478,423,000 | 1,231 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 1,192 |
| Cost of funding earning assets | 0.2361% | 3,600 |
| Net interest margin | 3.9706% | 886 |
| Noninterest income to average assets | 0.6019% | 2,201 |
| Noninterest expense to average assets | 2.1888% | 3,139 |
| Loan and lease loss provision to assets | 0.0590% | 1,948 |
| Net operating income to assets | 1.6241% | 1,073 |
| Return on assets (ROA) | 1.6241% | 1,129 |
| Pretax return on assets | 2.1517% | 743 |
| Return on Equity (ROE) | 27.2955% | 197 |
| Retained earnings to average equity (ytd only) | 16.2089% | 494 |
| Net charge-offs to loans | -0.0008% | 3,035 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7521% | 4,206 |
| Assets per employee ($millions) | 7.4500% | 1,482 |
| Cash dividends to net income (ytd only)* | 40.6171% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.7525% | 1,946 |
| Net loans and leases to deposits | 70.7583% | 2,435 |
| Net loans and leases to core deposits | 71.9324% | 2,710 |
| Total domestic deposits to total assets | 91.5122% | 240 |
| Equity capital to assets | 5.5290% | 4,957 |
| Core capital (leverage) ratio | 6.1463% | 4,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9680% | 2,936 |
| Memoranda: | ||
| Average total assets | $678,530,000 | 1,320 |
| Average earning assets | $648,963,000 | 1,294 |
| Average equity | $40,373,000 | 2,072 |
| Average total loans | $480,910,500 | 1,217 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 521 |
| Cost of funding earning assets | 0.3115% | 4,077 |
| Net interest margin | 4.6560% | 239 |
| Noninterest income to average assets | 0.5557% | 2,394 |
| Noninterest expense to average assets | 2.5998% | 2,547 |
| Loan and lease loss provision to assets | 0.1587% | 2,386 |
| Net operating income to assets | 1.6935% | 504 |
| Return on assets (ROA) | 1.6935% | 547 |
| Pretax return on assets | 2.2212% | 290 |
| Return on Equity (ROE) | 24.5344% | 118 |
| Retained earnings to average equity (ytd only) | 13.7673% | 199 |
| Net charge-offs to loans | 0.0502% | 2,078 |
| Credit loss provision to net charge-offs | 377.7778% | 1,498 |
| Earnings coverage of net charge-offs (x) | 56.6444% | 1,102 |
| Efficiency ratio | 52.2068% | 4,370 |
| Assets per employee ($millions) | 6.3099% | 2,081 |
| Cash dividends to net income (ytd only)* | 43.8858% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,295 |
| Loan loss allowance to noncurrent loans | 3,027.4074% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,283 |
| Noncurrent loans to loans | 0.0284% | 4,202 |
| Net loans and leases to total assets | 76.9761% | 695 |
| Net loans and leases to deposits | 87.1192% | 1,166 |
| Net loans and leases to core deposits | 89.0474% | 1,604 |
| Total domestic deposits to total assets | 88.3572% | 1,301 |
| Equity capital to assets | 6.4626% | 4,961 |
| Core capital (leverage) ratio | 7.4765% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6197% | 3,005 |
| Memoranda: | ||
| Average total assets | $535,512,600 | 1,461 |
| Average earning assets | $508,828,200 | 1,433 |
| Average equity | $36,964,400 | 2,135 |
| Average total loans | $448,562,800 | 1,228 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 601 |
| Cost of funding earning assets | 0.3295% | 4,159 |
| Net interest margin | 4.6740% | 274 |
| Noninterest income to average assets | 0.5433% | 2,408 |
| Noninterest expense to average assets | 2.5743% | 2,614 |
| Loan and lease loss provision to assets | 0.2194% | 1,831 |
| Net operating income to assets | 1.6783% | 607 |
| Return on assets (ROA) | 1.6783% | 675 |
| Pretax return on assets | 2.1885% | 348 |
| Return on Equity (ROE) | 23.8635% | 137 |
| Retained earnings to average equity (ytd only) | 14.7293% | 211 |
| Net charge-offs to loans | 0.0320% | 2,190 |
| Credit loss provision to net charge-offs | 801.8868% | 979 |
| Earnings coverage of net charge-offs (x) | 87.9811% | 865 |
| Efficiency ratio | 51.6687% | 4,367 |
| Assets per employee ($millions) | 5.7824% | 2,467 |
| Cash dividends to net income (ytd only)* | 38.2769% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,174 |
| Loan loss allowance to noncurrent loans | 167.8372% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,415 |
| Noncurrent loans to loans | 0.5162% | 2,507 |
| Net loans and leases to total assets | 84.9269% | 212 |
| Net loans and leases to deposits | 96.9170% | 695 |
| Net loans and leases to core deposits | 98.9443% | 1,248 |
| Total domestic deposits to total assets | 87.6285% | 1,384 |
| Equity capital to assets | 6.7902% | 4,972 |
| Core capital (leverage) ratio | 7.9164% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8015% | 2,963 |
| Memoranda: | ||
| Average total assets | $516,376,000 | 1,480 |
| Average earning assets | $490,417,500 | 1,452 |
| Average equity | $36,316,750 | 2,149 |
| Average total loans | $441,897,000 | 1,241 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 711 |
| Cost of funding earning assets | 0.3646% | 4,201 |
| Net interest margin | 4.7150% | 326 |
| Noninterest income to average assets | 0.4824% | 2,643 |
| Noninterest expense to average assets | 2.5284% | 2,888 |
| Loan and lease loss provision to assets | 0.3002% | 1,434 |
| Net operating income to assets | 1.6545% | 673 |
| Return on assets (ROA) | 1.6545% | 733 |
| Pretax return on assets | 2.1365% | 407 |
| Return on Equity (ROE) | 23.2215% | 140 |
| Retained earnings to average equity (ytd only) | 14.8330% | 229 |
| Net charge-offs to loans | 0.0505% | 1,761 |
| Credit loss provision to net charge-offs | 694.4444% | 1,008 |
| Earnings coverage of net charge-offs (x) | 56.3611% | 1,015 |
| Efficiency ratio | 50.9232% | 4,449 |
| Assets per employee ($millions) | 5.8390% | 2,332 |
| Cash dividends to net income (ytd only)* | 36.1239% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 4,176 |
| Loan loss allowance to noncurrent loans | 161.7021% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,525 |
| Noncurrent loans to loans | 0.5284% | 2,580 |
| Net loans and leases to total assets | 84.0805% | 247 |
| Net loans and leases to deposits | 97.7850% | 671 |
| Net loans and leases to core deposits | 99.8160% | 1,266 |
| Total domestic deposits to total assets | 85.9851% | 2,014 |
| Equity capital to assets | 6.5514% | 5,012 |
| Core capital (leverage) ratio | 7.9894% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5169% | 3,083 |
| Memoranda: | ||
| Average total assets | $499,610,333 | 1,500 |
| Average earning assets | $474,990,000 | 1,471 |
| Average equity | $35,596,333 | 2,179 |
| Average total loans | $427,374,667 | 1,262 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 542 |
| Cost of funding earning assets | 0.4851% | 4,009 |
| Net interest margin | 4.8266% | 263 |
| Noninterest income to average assets | 0.4418% | 2,837 |
| Noninterest expense to average assets | 2.8338% | 2,326 |
| Loan and lease loss provision to assets | 0.2145% | 1,431 |
| Net operating income to assets | 1.4980% | 788 |
| Return on assets (ROA) | 1.4980% | 865 |
| Pretax return on assets | 1.9776% | 472 |
| Return on Equity (ROE) | 20.0451% | 166 |
| Retained earnings to average equity (ytd only) | 8.6219% | 1,076 |
| Net charge-offs to loans | -0.0020% | 3,653 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3844% | 4,175 |
| Assets per employee ($millions) | 5.1784% | 2,454 |
| Cash dividends to net income (ytd only)* | 56.9874% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,101 |
| Loan loss allowance to noncurrent loans | 73.7637% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 1,256 |
| Noncurrent loans to loans | 1.2217% | 1,336 |
| Net loans and leases to total assets | 84.8038% | 219 |
| Net loans and leases to deposits | 99.6440% | 580 |
| Net loans and leases to core deposits | 102.1094% | 1,313 |
| Total domestic deposits to total assets | 85.1068% | 2,373 |
| Equity capital to assets | 7.3127% | 5,049 |
| Core capital (leverage) ratio | 7.7271% | 5,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0092% | 3,329 |
| Memoranda: | ||
| Average total assets | $466,225,000 | 1,548 |
| Average earning assets | $442,797,500 | 1,512 |
| Average equity | $34,841,500 | 2,210 |
| Average total loans | $400,902,000 | 1,294 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 627 |
| Cost of funding earning assets | 0.7689% | 2,831 |
| Net interest margin | 4.6603% | 511 |
| Noninterest income to average assets | 0.6519% | 2,000 |
| Noninterest expense to average assets | 2.8025% | 2,593 |
| Loan and lease loss provision to assets | 0.0329% | 3,356 |
| Net operating income to assets | 1.7006% | 660 |
| Return on assets (ROA) | 1.7006% | 703 |
| Pretax return on assets | 2.2572% | 344 |
| Return on Equity (ROE) | 23.9403% | 100 |
| Retained earnings to average equity (ytd only) | 11.6347% | 272 |
| Net charge-offs to loans | -0.0046% | 4,330 |
| Credit loss provision to net charge-offs | -833.3333% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0308% | 4,322 |
| Assets per employee ($millions) | 4.7964% | 2,841 |
| Cash dividends to net income (ytd only)* | 51.4013% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,012 |
| Loan loss allowance to noncurrent loans | 70.1520% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 1,118 |
| Noncurrent loans to loans | 1.2664% | 1,187 |
| Net loans and leases to total assets | 85.6632% | 185 |
| Net loans and leases to deposits | 99.0336% | 665 |
| Net loans and leases to core deposits | 101.7745% | 1,426 |
| Total domestic deposits to total assets | 86.4992% | 1,849 |
| Equity capital to assets | 7.6445% | 5,099 |
| Core capital (leverage) ratio | 7.7987% | 5,074 |
| Tier 1 risk-based capital ratio | 10.3402% | 5,067 |
| Total risk-based capital ratio | 11.3789% | 5,056 |
| Memoranda: | ||
| Average total assets | $455,307,200 | 1,534 |
| Average earning assets | $433,857,000 | 1,490 |
| Average equity | $32,343,000 | 2,283 |
| Average total loans | $393,588,200 | 1,286 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 717 |
| Cost of funding earning assets | 0.8065% | 2,681 |
| Net interest margin | 4.5825% | 636 |
| Noninterest income to average assets | 0.4975% | 2,746 |
| Noninterest expense to average assets | 2.7404% | 2,749 |
| Loan and lease loss provision to assets | 0.0438% | 3,032 |
| Net operating income to assets | 1.5518% | 1,055 |
| Return on assets (ROA) | 1.5518% | 1,108 |
| Pretax return on assets | 2.0820% | 572 |
| Return on Equity (ROE) | 22.2634% | 152 |
| Retained earnings to average equity (ytd only) | 9.7528% | 815 |
| Net charge-offs to loans | 0.0044% | 3,248 |
| Credit loss provision to net charge-offs | 1,153.8462% | 310 |
| Earnings coverage of net charge-offs (x) | 559.8627% | 177 |
| Efficiency ratio | 56.3153% | 4,136 |
| Assets per employee ($millions) | 4.7934% | 2,802 |
| Cash dividends to net income (ytd only)* | 56.1935% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,185 |
| Loan loss allowance to noncurrent loans | 67.0248% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 959 |
| Noncurrent loans to loans | 1.2896% | 1,201 |
| Net loans and leases to total assets | 85.5148% | 222 |
| Net loans and leases to deposits | 103.3315% | 437 |
| Net loans and leases to core deposits | 106.3555% | 1,159 |
| Total domestic deposits to total assets | 82.7577% | 3,237 |
| Equity capital to assets | 7.1779% | 5,209 |
| Core capital (leverage) ratio | 7.5646% | 5,185 |
| Tier 1 risk-based capital ratio | 9.7585% | 5,214 |
| Total risk-based capital ratio | 10.7722% | 5,211 |
| Memoranda: | ||
| Average total assets | $456,418,500 | 1,538 |
| Average earning assets | $435,118,250 | 1,506 |
| Average equity | $31,812,250 | 2,323 |
| Average total loans | $394,564,000 | 1,289 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 764 |
| Cost of funding earning assets | 0.8162% | 2,566 |
| Net interest margin | 4.5133% | 751 |
| Noninterest income to average assets | 0.4759% | 2,808 |
| Noninterest expense to average assets | 2.7049% | 2,886 |
| Loan and lease loss provision to assets | 0.0659% | 2,501 |
| Net operating income to assets | 1.5005% | 1,149 |
| Return on assets (ROA) | 1.5005% | 1,199 |
| Pretax return on assets | 2.0129% | 664 |
| Return on Equity (ROE) | 21.7472% | 174 |
| Retained earnings to average equity (ytd only) | 9.0746% | 1,016 |
| Net charge-offs to loans | 0.0173% | 2,535 |
| Credit loss provision to net charge-offs | 441.1765% | 660 |
| Earnings coverage of net charge-offs (x) | 139.1471% | 526 |
| Efficiency ratio | 56.5445% | 4,185 |
| Assets per employee ($millions) | 4.9147% | 2,586 |
| Cash dividends to net income (ytd only)* | 58.2723% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 4,239 |
| Loan loss allowance to noncurrent loans | 51.7686% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 814 |
| Noncurrent loans to loans | 1.6588% | 923 |
| Net loans and leases to total assets | 85.2155% | 270 |
| Net loans and leases to deposits | 98.8244% | 761 |
| Net loans and leases to core deposits | 103.4829% | 1,429 |
| Total domestic deposits to total assets | 86.2291% | 1,920 |
| Equity capital to assets | 6.9544% | 5,267 |
| Core capital (leverage) ratio | 7.2083% | 5,254 |
| Tier 1 risk-based capital ratio | 9.6605% | 5,261 |
| Total risk-based capital ratio | 10.6858% | 5,263 |
| Memoranda: | ||
| Average total assets | $455,169,670 | 1,549 |
| Average earning assets | $434,452,670 | 1,512 |
| Average equity | $31,406,330 | 2,339 |
| Average total loans | $393,772,000 | 1,299 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 715 |
| Cost of funding earning assets | 0.8305% | 2,366 |
| Net interest margin | 4.5012% | 744 |
| Noninterest income to average assets | 0.3754% | 3,346 |
| Noninterest expense to average assets | 2.6757% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4875% | 1,141 |
| Return on assets (ROA) | 1.4875% | 1,165 |
| Pretax return on assets | 1.9949% | 647 |
| Return on Equity (ROE) | 21.6456% | 187 |
| Retained earnings to average equity (ytd only) | 8.8258% | 1,379 |
| Net charge-offs to loans | -0.0010% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2891% | 4,170 |
| Assets per employee ($millions) | 5.0065% | 2,507 |
| Cash dividends to net income (ytd only)* | 59.2262% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,371 |
| Loan loss allowance to noncurrent loans | 224.4550% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,308 |
| Noncurrent loans to loans | 0.3761% | 3,236 |
| Net loans and leases to total assets | 84.9388% | 287 |
| Net loans and leases to deposits | 94.8859% | 1,074 |
| Net loans and leases to core deposits | 100.7183% | 1,553 |
| Total domestic deposits to total assets | 89.5168% | 636 |
| Equity capital to assets | 6.8894% | 5,314 |
| Core capital (leverage) ratio | 7.2394% | 5,305 |
| Tier 1 risk-based capital ratio | 9.7457% | 5,312 |
| Total risk-based capital ratio | 10.7687% | 5,312 |
| Memoranda: | ||
| Average total assets | $451,763,000 | 1,571 |
| Average earning assets | $431,080,500 | 1,534 |
| Average equity | $31,045,500 | 2,355 |
| Average total loans | $392,112,500 | 1,307 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 665 |
| Cost of funding earning assets | 0.6268% | 2,543 |
| Net interest margin | 4.6045% | 598 |
| Noninterest income to average assets | 0.4375% | 3,188 |
| Noninterest expense to average assets | 2.6171% | 3,280 |
| Loan and lease loss provision to assets | 0.0475% | 3,235 |
| Net operating income to assets | 1.6390% | 795 |
| Return on assets (ROA) | 1.6390% | 792 |
| Pretax return on assets | 2.2020% | 356 |
| Return on Equity (ROE) | 24.0247% | 103 |
| Retained earnings to average equity (ytd only) | 10.8242% | 468 |
| Net charge-offs to loans | -0.0008% | 4,175 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7775% | 4,637 |
| Assets per employee ($millions) | 5.0901% | 2,391 |
| Cash dividends to net income (ytd only)* | 54.9457% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 4,411 |
| Loan loss allowance to noncurrent loans | 363.1753% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,815 |
| Noncurrent loans to loans | 0.2302% | 3,759 |
| Net loans and leases to total assets | 87.2141% | 157 |
| Net loans and leases to deposits | 101.1978% | 655 |
| Net loans and leases to core deposits | 110.9414% | 947 |
| Total domestic deposits to total assets | 86.1818% | 2,139 |
| Equity capital to assets | 6.8544% | 5,343 |
| Core capital (leverage) ratio | 7.2741% | 5,339 |
| Tier 1 risk-based capital ratio | 9.4925% | 5,370 |
| Total risk-based capital ratio | 10.5109% | 5,371 |
| Memoranda: | ||
| Average total assets | $421,303,000 | 1,621 |
| Average earning assets | $405,256,400 | 1,567 |
| Average equity | $28,741,200 | 2,412 |
| Average total loans | $363,993,800 | 1,353 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 661 |
| Cost of funding earning assets | 0.5578% | 2,804 |
| Net interest margin | 4.6181% | 574 |
| Noninterest income to average assets | 0.4814% | 2,973 |
| Noninterest expense to average assets | 2.5801% | 3,342 |
| Loan and lease loss provision to assets | 0.0643% | 2,686 |
| Net operating income to assets | 1.7068% | 735 |
| Return on assets (ROA) | 1.7068% | 740 |
| Pretax return on assets | 2.2904% | 348 |
| Return on Equity (ROE) | 25.0512% | 86 |
| Retained earnings to average equity (ytd only) | 7.1454% | 2,051 |
| Net charge-offs to loans | -0.0015% | 4,055 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2838% | 4,782 |
| Assets per employee ($millions) | 4.7850% | 2,743 |
| Cash dividends to net income (ytd only)* | 71.4770% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 88.5099% | 126 |
| Net loans and leases to deposits | 106.6669% | 416 |
| Net loans and leases to core deposits | 109.3217% | 1,079 |
| Total domestic deposits to total assets | 82.9779% | 3,315 |
| Equity capital to assets | 6.9123% | 5,397 |
| Core capital (leverage) ratio | 7.1610% | 5,422 |
| Tier 1 risk-based capital ratio | 9.6808% | 5,423 |
| Total risk-based capital ratio | 10.7767% | 5,415 |
| Memoranda: | ||
| Average total assets | $414,646,250 | 1,657 |
| Average earning assets | $399,869,250 | 1,597 |
| Average equity | $28,250,750 | 2,451 |
| Average total loans | $356,504,250 | 1,378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 679 |
| Cost of funding earning assets | 0.5072% | 2,959 |
| Net interest margin | 4.5797% | 579 |
| Noninterest income to average assets | 0.4698% | 3,037 |
| Noninterest expense to average assets | 2.5357% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7527% | 649 |
| Return on assets (ROA) | 1.7527% | 652 |
| Pretax return on assets | 2.3510% | 299 |
| Return on Equity (ROE) | 25.8531% | 71 |
| Retained earnings to average equity (ytd only) | 11.1780% | 637 |
| Net charge-offs to loans | -0.0017% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8901% | 4,903 |
| Assets per employee ($millions) | 4.7064% | 2,808 |
| Cash dividends to net income (ytd only)* | 56.7635% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.6344% | 217 |
| Net loans and leases to deposits | 97.3976% | 1,007 |
| Net loans and leases to core deposits | 99.6636% | 1,761 |
| Total domestic deposits to total assets | 88.9492% | 954 |
| Equity capital to assets | 6.9605% | 5,453 |
| Core capital (leverage) ratio | 7.0696% | 5,480 |
| Tier 1 risk-based capital ratio | 9.9897% | 5,431 |
| Total risk-based capital ratio | 11.0498% | 5,423 |
| Memoranda: | ||
| Average total assets | $412,503,000 | 1,667 |
| Average earning assets | $397,845,670 | 1,610 |
| Average equity | $27,965,670 | 2,476 |
| Average total loans | $350,009,330 | 1,403 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 873 |
| Cost of funding earning assets | 0.4908% | 2,863 |
| Net interest margin | 4.4074% | 757 |
| Noninterest income to average assets | 0.4134% | 3,367 |
| Noninterest expense to average assets | 2.5506% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5733% | 912 |
| Return on assets (ROA) | 1.5733% | 922 |
| Pretax return on assets | 2.1098% | 452 |
| Return on Equity (ROE) | 23.5286% | 118 |
| Retained earnings to average equity (ytd only) | -6.4594% | 5,266 |
| Net charge-offs to loans | -0.0023% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7285% | 4,713 |
| Assets per employee ($millions) | 4.8922% | 2,618 |
| Cash dividends to net income (ytd only)* | 127.4534% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,505 |
| Loan loss allowance to noncurrent loans | 484.0376% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,308 |
| Noncurrent loans to loans | 0.1830% | 4,145 |
| Net loans and leases to total assets | 83.2331% | 518 |
| Net loans and leases to deposits | 90.4909% | 1,631 |
| Net loans and leases to core deposits | 92.9859% | 2,213 |
| Total domestic deposits to total assets | 91.9796% | 111 |
| Equity capital to assets | 6.5290% | 5,539 |
| Core capital (leverage) ratio | 6.8909% | 5,550 |
| Tier 1 risk-based capital ratio | 9.6754% | 5,542 |
| Total risk-based capital ratio | 10.7776% | 5,539 |
| Memoranda: | ||
| Average total assets | $409,321,500 | 1,694 |
| Average earning assets | $394,428,500 | 1,630 |
| Average equity | $27,371,000 | 2,532 |
| Average total loans | $342,026,000 | 1,439 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 695 |
| Cost of funding earning assets | 0.4640% | 2,650 |
| Net interest margin | 4.4957% | 613 |
| Noninterest income to average assets | 0.6749% | 2,069 |
| Noninterest expense to average assets | 2.7325% | 3,022 |
| Loan and lease loss provision to assets | 0.1338% | 1,713 |
| Net operating income to assets | 1.3707% | 1,073 |
| Return on assets (ROA) | 1.3707% | 1,093 |
| Pretax return on assets | 2.1424% | 355 |
| Return on Equity (ROE) | 19.6513% | 207 |
| Retained earnings to average equity (ytd only) | 6.8227% | 1,150 |
| Net charge-offs to loans | 0.1196% | 1,850 |
| Credit loss provision to net charge-offs | 129.5337% | 2,028 |
| Earnings coverage of net charge-offs (x) | 22.0440% | 1,869 |
| Efficiency ratio | 54.5557% | 4,900 |
| Assets per employee ($millions) | 4.8531% | 2,673 |
| Cash dividends to net income (ytd only)* | 65.2810% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,355 |
| Loan loss allowance to noncurrent loans | 398.8387% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,175 |
| Noncurrent loans to loans | 0.2315% | 3,976 |
| Net loans and leases to total assets | 82.3607% | 632 |
| Net loans and leases to deposits | 97.9579% | 908 |
| Net loans and leases to core deposits | 101.5426% | 1,585 |
| Total domestic deposits to total assets | 84.0777% | 3,172 |
| Equity capital to assets | 6.8500% | 5,593 |
| Core capital (leverage) ratio | 7.3756% | 5,575 |
| Tier 1 risk-based capital ratio | 10.0855% | 5,509 |
| Total risk-based capital ratio | 11.2153% | 5,487 |
| Memoranda: | ||
| Average total assets | $373,830,400 | 1,817 |
| Average earning assets | $360,364,800 | 1,749 |
| Average equity | $26,074,600 | 2,602 |
| Average total loans | $322,707,200 | 1,472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 616 |
| Cost of funding earning assets | 0.4532% | 2,691 |
| Net interest margin | 4.5437% | 541 |
| Noninterest income to average assets | 0.6721% | 2,116 |
| Noninterest expense to average assets | 2.6718% | 3,154 |
| Loan and lease loss provision to assets | 0.1819% | 1,093 |
| Net operating income to assets | 1.3690% | 1,157 |
| Return on assets (ROA) | 1.3690% | 1,178 |
| Pretax return on assets | 2.2015% | 362 |
| Return on Equity (ROE) | 19.5310% | 245 |
| Retained earnings to average equity (ytd only) | 2.1741% | 4,557 |
| Net charge-offs to loans | 0.1614% | 1,271 |
| Credit loss provision to net charge-offs | 129.1990% | 1,898 |
| Earnings coverage of net charge-offs (x) | 16.9327% | 2,143 |
| Efficiency ratio | 52.8527% | 5,037 |
| Assets per employee ($millions) | 4.8521% | 2,626 |
| Cash dividends to net income (ytd only)* | 88.8683% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 4,446 |
| Loan loss allowance to noncurrent loans | 723.6534% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,689 |
| Noncurrent loans to loans | 0.1279% | 4,545 |
| Net loans and leases to total assets | 86.2769% | 242 |
| Net loans and leases to deposits | 101.7820% | 631 |
| Net loans and leases to core deposits | 105.5957% | 1,299 |
| Total domestic deposits to total assets | 84.7664% | 2,811 |
| Equity capital to assets | 6.8108% | 5,674 |
| Core capital (leverage) ratio | 7.1375% | 5,662 |
| Tier 1 risk-based capital ratio | 9.5562% | 5,668 |
| Total risk-based capital ratio | 10.6873% | 5,655 |
| Memoranda: | ||
| Average total assets | $366,586,750 | 1,857 |
| Average earning assets | $353,621,500 | 1,796 |
| Average equity | $25,695,250 | 2,649 |
| Average total loans | $319,673,000 | 1,491 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 602 |
| Cost of funding earning assets | 0.4508% | 2,593 |
| Net interest margin | 4.5065% | 562 |
| Noninterest income to average assets | 0.6543% | 2,187 |
| Noninterest expense to average assets | 2.7307% | 2,979 |
| Loan and lease loss provision to assets | 0.1385% | 1,490 |
| Net operating income to assets | 1.3318% | 1,211 |
| Return on assets (ROA) | 1.3318% | 1,235 |
| Pretax return on assets | 2.1384% | 408 |
| Return on Equity (ROE) | 18.8121% | 277 |
| Retained earnings to average equity (ytd only) | 3.3023% | 3,751 |
| Net charge-offs to loans | 0.1841% | 1,077 |
| Credit loss provision to net charge-offs | 86.2069% | 2,190 |
| Earnings coverage of net charge-offs (x) | 14.1724% | 2,088 |
| Efficiency ratio | 54.5304% | 4,971 |
| Assets per employee ($millions) | 4.6431% | 2,874 |
| Cash dividends to net income (ytd only)* | 82.4459% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,624 |
| Loan loss allowance to noncurrent loans | 283.4942% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,993 |
| Noncurrent loans to loans | 0.3190% | 3,889 |
| Net loans and leases to total assets | 87.7328% | 162 |
| Net loans and leases to deposits | 100.8537% | 677 |
| Net loans and leases to core deposits | 104.9831% | 1,294 |
| Total domestic deposits to total assets | 86.9901% | 1,964 |
| Equity capital to assets | 7.1182% | 5,700 |
| Core capital (leverage) ratio | 7.1686% | 5,697 |
| Tier 1 risk-based capital ratio | 9.8376% | 5,668 |
| Total risk-based capital ratio | 10.9442% | 5,660 |
| Memoranda: | ||
| Average total assets | $361,010,330 | 1,880 |
| Average earning assets | $348,742,000 | 1,821 |
| Average equity | $25,558,000 | 2,663 |
| Average total loans | $314,963,000 | 1,509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 589 |
| Cost of funding earning assets | 0.4626% | 2,405 |
| Net interest margin | 4.4664% | 557 |
| Noninterest income to average assets | 0.5417% | 2,698 |
| Noninterest expense to average assets | 2.7522% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3069% | 1,219 |
| Return on assets (ROA) | 1.3069% | 1,253 |
| Pretax return on assets | 2.1032% | 410 |
| Return on Equity (ROE) | 18.5112% | 310 |
| Retained earnings to average equity (ytd only) | -12.8471% | 5,634 |
| Net charge-offs to loans | 0.3457% | 531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.0261% | 2,173 |
| Efficiency ratio | 56.6828% | 4,867 |
| Assets per employee ($millions) | 4.7807% | 2,729 |
| Cash dividends to net income (ytd only)* | 169.4017% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,884 |
| Loan loss allowance to noncurrent loans | 397.7974% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,509 |
| Noncurrent loans to loans | 0.2169% | 4,329 |
| Net loans and leases to total assets | 84.5520% | 322 |
| Net loans and leases to deposits | 96.9185% | 857 |
| Net loans and leases to core deposits | 100.9232% | 1,446 |
| Total domestic deposits to total assets | 87.2403% | 2,093 |
| Equity capital to assets | 6.7577% | 5,782 |
| Core capital (leverage) ratio | 6.7815% | 5,776 |
| Tier 1 risk-based capital ratio | 9.7266% | 5,750 |
| Total risk-based capital ratio | 10.7859% | 5,757 |
| Memoranda: | ||
| Average total assets | $358,112,500 | 1,901 |
| Average earning assets | $345,868,500 | 1,844 |
| Average equity | $25,282,000 | 2,692 |
| Average total loans | $310,071,500 | 1,530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 844 |
| Cost of funding earning assets | 0.4581% | 2,462 |
| Net interest margin | 4.3682% | 823 |
| Noninterest income to average assets | 0.5751% | 2,786 |
| Noninterest expense to average assets | 2.5342% | 3,903 |
| Loan and lease loss provision to assets | 0.1584% | 1,565 |
| Net operating income to assets | 1.3035% | 1,204 |
| Return on assets (ROA) | 1.3035% | 1,274 |
| Pretax return on assets | 2.0852% | 415 |
| Return on Equity (ROE) | 16.4414% | 463 |
| Retained earnings to average equity (ytd only) | 2.0822% | 4,351 |
| Net charge-offs to loans | -0.0295% | 5,238 |
| Credit loss provision to net charge-offs | -632.9114% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0407% | 5,313 |
| Assets per employee ($millions) | 4.9730% | 2,425 |
| Cash dividends to net income (ytd only)* | 87.3359% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 4,467 |
| Loan loss allowance to noncurrent loans | 664.5089% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 4,559 |
| Noncurrent loans to loans | 0.1463% | 4,650 |
| Net loans and leases to total assets | 87.1013% | 176 |
| Net loans and leases to deposits | 107.0986% | 299 |
| Net loans and leases to core deposits | 111.9281% | 787 |
| Total domestic deposits to total assets | 81.3282% | 4,251 |
| Equity capital to assets | 7.3792% | 5,741 |
| Core capital (leverage) ratio | 7.6971% | 5,707 |
| Tier 1 risk-based capital ratio | 10.3593% | 5,634 |
| Total risk-based capital ratio | 11.5598% | 5,595 |
| Memoranda: | ||
| Average total assets | $315,604,600 | 2,089 |
| Average earning assets | $303,649,600 | 2,019 |
| Average equity | $25,022,200 | 2,718 |
| Average total loans | $268,169,400 | 1,683 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 925 |
| Cost of funding earning assets | 0.4536% | 2,524 |
| Net interest margin | 4.3353% | 871 |
| Noninterest income to average assets | 0.6027% | 2,647 |
| Noninterest expense to average assets | 2.4851% | 4,028 |
| Loan and lease loss provision to assets | 0.0889% | 2,449 |
| Net operating income to assets | 1.3789% | 1,104 |
| Return on assets (ROA) | 1.3789% | 1,167 |
| Pretax return on assets | 2.1980% | 388 |
| Return on Equity (ROE) | 17.0580% | 442 |
| Retained earnings to average equity (ytd only) | -2.2154% | 5,607 |
| Net charge-offs to loans | -0.0392% | 5,279 |
| Credit loss provision to net charge-offs | -269.7368% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0763% | 5,379 |
| Assets per employee ($millions) | 5.1290% | 2,217 |
| Cash dividends to net income (ytd only)* | 112.9876% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,657 |
| Loan loss allowance to noncurrent loans | 2,706.0606% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 5,051 |
| Noncurrent loans to loans | 0.0352% | 5,234 |
| Net loans and leases to total assets | 84.9678% | 329 |
| Net loans and leases to deposits | 100.3555% | 685 |
| Net loans and leases to core deposits | 105.5446% | 1,228 |
| Total domestic deposits to total assets | 84.6668% | 2,962 |
| Equity capital to assets | 7.5411% | 5,837 |
| Core capital (leverage) ratio | 7.5331% | 5,828 |
| Tier 1 risk-based capital ratio | 10.7668% | 5,495 |
| Total risk-based capital ratio | 11.9321% | 5,446 |
| Memoranda: | ||
| Average total assets | $307,477,500 | 2,127 |
| Average earning assets | $295,703,750 | 2,072 |
| Average equity | $24,855,750 | 2,756 |
| Average total loans | $258,664,750 | 1,744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,083 |
| Cost of funding earning assets | 0.4304% | 2,733 |
| Net interest margin | 4.2532% | 1,015 |
| Noninterest income to average assets | 0.6169% | 2,529 |
| Noninterest expense to average assets | 2.5433% | 3,902 |
| Loan and lease loss provision to assets | 0.1364% | 1,666 |
| Net operating income to assets | 1.2683% | 1,364 |
| Return on assets (ROA) | 1.2683% | 1,478 |
| Pretax return on assets | 2.0210% | 550 |
| Return on Equity (ROE) | 15.3156% | 639 |
| Retained earnings to average equity (ytd only) | 0.3857% | 5,186 |
| Net charge-offs to loans | -0.0590% | 5,435 |
| Credit loss provision to net charge-offs | -277.0270% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1053% | 5,298 |
| Assets per employee ($millions) | 5.6263% | 1,681 |
| Cash dividends to net income (ytd only)* | 97.4816% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,510 |
| Loan loss allowance to noncurrent loans | 1,222.3744% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 5,143 |
| Noncurrent loans to loans | 0.0819% | 5,122 |
| Net loans and leases to total assets | 79.7185% | 950 |
| Net loans and leases to deposits | 93.9677% | 1,296 |
| Net loans and leases to core deposits | 98.3824% | 1,773 |
| Total domestic deposits to total assets | 84.8361% | 2,944 |
| Equity capital to assets | 7.5960% | 5,898 |
| Core capital (leverage) ratio | 8.6447% | 5,222 |
| Tier 1 risk-based capital ratio | 11.6381% | 5,066 |
| Total risk-based capital ratio | 12.8737% | 4,979 |
| Memoranda: | ||
| Average total assets | $300,551,670 | 2,179 |
| Average earning assets | $288,579,330 | 2,122 |
| Average equity | $24,889,670 | 2,752 |
| Average total loans | $251,023,000 | 1,793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 768 |
| Cost of funding earning assets | 0.4569% | 2,508 |
| Net interest margin | 4.3927% | 750 |
| Noninterest income to average assets | 0.6319% | 2,357 |
| Noninterest expense to average assets | 2.6259% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3733% | 1,091 |
| Return on assets (ROA) | 1.3733% | 1,151 |
| Pretax return on assets | 2.2047% | 374 |
| Return on Equity (ROE) | 15.8208% | 556 |
| Retained earnings to average equity (ytd only) | -14.2355% | 5,895 |
| Net charge-offs to loans | -0.1202% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3605% | 5,354 |
| Assets per employee ($millions) | 4.8739% | 2,489 |
| Cash dividends to net income (ytd only)* | 189.9796% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,584 |
| Loan loss allowance to noncurrent loans | 539.5197% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,770 |
| Noncurrent loans to loans | 0.1861% | 4,746 |
| Net loans and leases to total assets | 83.2977% | 431 |
| Net loans and leases to deposits | 100.3167% | 605 |
| Net loans and leases to core deposits | 106.3145% | 1,058 |
| Total domestic deposits to total assets | 83.0347% | 3,880 |
| Equity capital to assets | 8.3052% | 5,692 |
| Core capital (leverage) ratio | 8.6959% | 5,180 |
| Tier 1 risk-based capital ratio | 12.1787% | 4,792 |
| Total risk-based capital ratio | 13.4178% | 4,702 |
| Memoranda: | ||
| Average total assets | $284,851,000 | 2,280 |
| Average earning assets | $272,272,000 | 2,223 |
| Average equity | $24,727,000 | 2,769 |
| Average total loans | $242,882,000 | 1,844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 925 |
| Cost of funding earning assets | 0.5228% | 1,974 |
| Net interest margin | 4.2790% | 1,001 |
| Noninterest income to average assets | 0.7056% | 2,174 |
| Noninterest expense to average assets | 2.6137% | 3,870 |
| Loan and lease loss provision to assets | 0.0271% | 3,839 |
| Net operating income to assets | 1.3527% | 1,142 |
| Return on assets (ROA) | 1.3527% | 1,184 |
| Pretax return on assets | 2.1764% | 365 |
| Return on Equity (ROE) | 15.1515% | 664 |
| Retained earnings to average equity (ytd only) | -0.6188% | 5,612 |
| Net charge-offs to loans | 0.0867% | 2,588 |
| Credit loss provision to net charge-offs | 36.5854% | 3,572 |
| Earnings coverage of net charge-offs (x) | 29.7659% | 1,464 |
| Efficiency ratio | 54.2579% | 5,506 |
| Assets per employee ($millions) | 4.8644% | 2,511 |
| Cash dividends to net income (ytd only)* | 104.0844% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,615 |
| Loan loss allowance to noncurrent loans | 664.2659% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 2,781 |
| Noncurrent loans to loans | 0.1506% | 4,894 |
| Net loans and leases to total assets | 85.5866% | 265 |
| Net loans and leases to deposits | 109.7923% | 244 |
| Net loans and leases to core deposits | 116.9042% | 575 |
| Total domestic deposits to total assets | 77.9532% | 5,176 |
| Equity capital to assets | 9.0767% | 5,041 |
| Core capital (leverage) ratio | 9.3912% | 4,334 |
| Tier 1 risk-based capital ratio | 13.0117% | 4,305 |
| Total risk-based capital ratio | 14.2515% | 4,226 |
| Memoranda: | ||
| Average total assets | $276,921,800 | 2,294 |
| Average earning assets | $266,091,600 | 2,227 |
| Average equity | $24,723,600 | 2,722 |
| Average total loans | $236,385,400 | 1,828 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 984 |
| Cost of funding earning assets | 0.5302% | 1,962 |
| Net interest margin | 4.2398% | 1,079 |
| Noninterest income to average assets | 0.6993% | 2,228 |
| Noninterest expense to average assets | 2.5680% | 3,985 |
| Loan and lease loss provision to assets | 0.0193% | 3,891 |
| Net operating income to assets | 1.3683% | 1,186 |
| Return on assets (ROA) | 1.3683% | 1,236 |
| Pretax return on assets | 2.1981% | 413 |
| Return on Equity (ROE) | 15.3900% | 678 |
| Retained earnings to average equity (ytd only) | -5.7313% | 6,050 |
| Net charge-offs to loans | 0.1172% | 1,956 |
| Credit loss provision to net charge-offs | 19.3237% | 3,371 |
| Earnings coverage of net charge-offs (x) | 22.2418% | 1,789 |
| Efficiency ratio | 53.6634% | 5,546 |
| Assets per employee ($millions) | 5.0777% | 2,204 |
| Cash dividends to net income (ytd only)* | 137.2403% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,720 |
| Loan loss allowance to noncurrent loans | 492.9019% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,285 |
| Noncurrent loans to loans | 0.2038% | 4,834 |
| Net loans and leases to total assets | 86.4430% | 207 |
| Net loans and leases to deposits | 103.0348% | 492 |
| Net loans and leases to core deposits | 109.9239% | 880 |
| Total domestic deposits to total assets | 83.8969% | 3,471 |
| Equity capital to assets | 9.0154% | 5,294 |
| Core capital (leverage) ratio | 8.7206% | 5,329 |
| Tier 1 risk-based capital ratio | 12.5910% | 4,689 |
| Total risk-based capital ratio | 13.8163% | 4,607 |
| Memoranda: | ||
| Average total assets | $276,835,000 | 2,310 |
| Average earning assets | $266,800,750 | 2,236 |
| Average equity | $24,612,750 | 2,746 |
| Average total loans | $235,556,000 | 1,836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,165 |
| Cost of funding earning assets | 0.5226% | 2,048 |
| Net interest margin | 4.1294% | 1,277 |
| Noninterest income to average assets | 0.6213% | 2,625 |
| Noninterest expense to average assets | 2.4588% | 4,367 |
| Loan and lease loss provision to assets | 0.0286% | 3,552 |
| Net operating income to assets | 1.3292% | 1,240 |
| Return on assets (ROA) | 1.3292% | 1,286 |
| Pretax return on assets | 2.1324% | 467 |
| Return on Equity (ROE) | 15.0184% | 728 |
| Retained earnings to average equity (ytd only) | -5.4914% | 6,042 |
| Net charge-offs to loans | 0.1697% | 1,450 |
| Credit loss provision to net charge-offs | 20.0000% | 3,019 |
| Earnings coverage of net charge-offs (x) | 15.0950% | 1,999 |
| Efficiency ratio | 53.2228% | 5,634 |
| Assets per employee ($millions) | 5.3760% | 1,861 |
| Cash dividends to net income (ytd only)* | 136.5644% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 4,864 |
| Loan loss allowance to noncurrent loans | 50.7175% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 1,466 |
| Noncurrent loans to loans | 1.9759% | 1,245 |
| Net loans and leases to total assets | 82.1007% | 543 |
| Net loans and leases to deposits | 93.0630% | 1,244 |
| Net loans and leases to core deposits | 99.0016% | 1,568 |
| Total domestic deposits to total assets | 88.2205% | 1,533 |
| Equity capital to assets | 8.6482% | 5,567 |
| Core capital (leverage) ratio | 8.6765% | 5,348 |
| Tier 1 risk-based capital ratio | 12.7768% | 4,638 |
| Total risk-based capital ratio | 14.0047% | 4,567 |
| Memoranda: | ||
| Average total assets | $279,408,000 | 2,308 |
| Average earning assets | $270,547,670 | 2,228 |
| Average equity | $24,729,670 | 2,745 |
| Average total loans | $235,743,670 | 1,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,174 |
| Cost of funding earning assets | 0.5284% | 2,023 |
| Net interest margin | 4.0958% | 1,288 |
| Noninterest income to average assets | 0.5784% | 2,782 |
| Noninterest expense to average assets | 2.4378% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3129% | 1,228 |
| Return on assets (ROA) | 1.3129% | 1,316 |
| Pretax return on assets | 2.1081% | 475 |
| Return on Equity (ROE) | 14.6605% | 759 |
| Retained earnings to average equity (ytd only) | -26.2856% | 6,322 |
| Net charge-offs to loans | -0.0068% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6260% | 5,706 |
| Assets per employee ($millions) | 5.2075% | 2,100 |
| Cash dividends to net income (ytd only)* | 279.2952% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,682 |
| Loan loss allowance to noncurrent loans | 37.2846% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.4150% | 902 |
| Noncurrent loans to loans | 2.8588% | 792 |
| Net loans and leases to total assets | 83.5746% | 336 |
| Net loans and leases to deposits | 94.6714% | 925 |
| Net loans and leases to core deposits | 101.3249% | 1,235 |
| Total domestic deposits to total assets | 88.2786% | 1,674 |
| Equity capital to assets | 8.4252% | 5,788 |
| Core capital (leverage) ratio | 8.7521% | 5,256 |
| Tier 1 risk-based capital ratio | 12.1553% | 5,146 |
| Total risk-based capital ratio | 13.4056% | 5,051 |
| Memoranda: | ||
| Average total assets | $276,648,500 | 2,340 |
| Average earning assets | $267,982,500 | 2,260 |
| Average equity | $24,774,000 | 2,768 |
| Average total loans | $235,468,000 | 1,835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,573 |
| Cost of funding earning assets | 0.5471% | 2,225 |
| Net interest margin | 4.0469% | 1,749 |
| Noninterest income to average assets | 0.3051% | 4,929 |
| Noninterest expense to average assets | 2.5669% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9953% | 2,405 |
| Return on assets (ROA) | 0.9953% | 2,480 |
| Pretax return on assets | 1.6037% | 1,224 |
| Return on Equity (ROE) | 10.5539% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.5539% | 435 |
| Net charge-offs to loans | 0.4452% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.3386% | 3,683 |
| Efficiency ratio | 61.5484% | 4,983 |
| Assets per employee ($millions) | 5.5529% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,627 |
| Loan loss allowance to noncurrent loans | 36.1298% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.5715% | 881 |
| Noncurrent loans to loans | 2.9980% | 748 |
| Net loans and leases to total assets | 84.8464% | 288 |
| Net loans and leases to deposits | 101.4997% | 539 |
| Net loans and leases to core deposits | 109.0526% | 827 |
| Total domestic deposits to total assets | 83.5927% | 3,885 |
| Equity capital to assets | 9.5026% | 4,718 |
| Core capital (leverage) ratio | 10.0050% | 3,570 |
| Tier 1 risk-based capital ratio | 13.9205% | 4,155 |
| Total risk-based capital ratio | 15.1723% | 4,087 |
| Memoranda: | ||
| Average total assets | $258,909,000 | 2,441 |
| Average earning assets | $247,300,400 | 2,370 |
| Average equity | $24,417,600 | 2,720 |
| Average total loans | $214,937,400 | 1,936 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 1,697 |
| Cost of funding earning assets | 0.5457% | 2,334 |
| Net interest margin | 4.0065% | 1,859 |
| Noninterest income to average assets | 0.1732% | 5,884 |
| Noninterest expense to average assets | 2.5136% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9154% | 2,835 |
| Return on assets (ROA) | 0.9154% | 2,942 |
| Pretax return on assets | 1.4735% | 1,730 |
| Return on Equity (ROE) | 9.7262% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.7262% | 770 |
| Net charge-offs to loans | 0.6054% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.9581% | 3,785 |
| Efficiency ratio | 63.0429% | 4,715 |
| Assets per employee ($millions) | 5.3236% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,467 |
| Loan loss allowance to noncurrent loans | 35.8967% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 3.5111% | 612 |
| Noncurrent loans to loans | 3.2231% | 782 |
| Net loans and leases to total assets | 82.8580% | 423 |
| Net loans and leases to deposits | 100.4961% | 587 |
| Net loans and leases to core deposits | 107.4169% | 879 |
| Total domestic deposits to total assets | 82.4490% | 4,318 |
| Equity capital to assets | 9.5968% | 4,670 |
| Core capital (leverage) ratio | 10.3171% | 3,273 |
| Tier 1 risk-based capital ratio | 14.4527% | 3,915 |
| Total risk-based capital ratio | 15.7055% | 3,854 |
| Memoranda: | ||
| Average total assets | $255,613,000 | 2,492 |
| Average earning assets | $243,330,000 | 2,415 |
| Average equity | $24,058,000 | 2,757 |
| Average total loans | $210,324,500 | 1,982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 1,926 |
| Cost of funding earning assets | 0.5527% | 2,321 |
| Net interest margin | 3.9181% | 2,088 |
| Noninterest income to average assets | 0.1520% | 6,044 |
| Noninterest expense to average assets | 2.5785% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8020% | 3,321 |
| Return on assets (ROA) | 0.8020% | 3,427 |
| Pretax return on assets | 1.2928% | 2,277 |
| Return on Equity (ROE) | 8.5789% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.5789% | 1,122 |
| Net charge-offs to loans | 0.5801% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.7259% | 3,480 |
| Efficiency ratio | 66.6056% | 4,262 |
| Assets per employee ($millions) | 5.7869% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,577 |
| Loan loss allowance to noncurrent loans | 38.1854% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 3.8736% | 574 |
| Noncurrent loans to loans | 3.5396% | 745 |
| Net loans and leases to total assets | 82.6398% | 406 |
| Net loans and leases to deposits | 97.9965% | 668 |
| Net loans and leases to core deposits | 104.4372% | 988 |
| Total domestic deposits to total assets | 84.3294% | 3,806 |
| Equity capital to assets | 9.5423% | 4,698 |
| Core capital (leverage) ratio | 9.9825% | 3,641 |
| Tier 1 risk-based capital ratio | 14.2010% | 4,129 |
| Total risk-based capital ratio | 15.4565% | 4,058 |
| Memoranda: | ||
| Average total assets | $253,865,000 | 2,514 |
| Average earning assets | $240,984,330 | 2,436 |
| Average equity | $23,732,670 | 2,773 |
| Average total loans | $207,542,330 | 1,997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 1,994 |
| Cost of funding earning assets | 0.5651% | 2,290 |
| Net interest margin | 3.8737% | 2,184 |
| Noninterest income to average assets | -0.3124% | 6,700 |
| Noninterest expense to average assets | 2.4822% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5413% | 4,496 |
| Return on assets (ROA) | 0.5413% | 4,569 |
| Pretax return on assets | 0.8726% | 3,819 |
| Return on Equity (ROE) | 5.8506% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.8506% | 2,619 |
| Net charge-offs to loans | 0.9284% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1642% | 3,161 |
| Efficiency ratio | 73.9887% | 3,146 |
| Assets per employee ($millions) | 6.0361% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 3,260 |
| Loan loss allowance to noncurrent loans | 40.0799% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 4.0668% | 571 |
| Noncurrent loans to loans | 3.6833% | 767 |
| Net loans and leases to total assets | 79.2388% | 630 |
| Net loans and leases to deposits | 93.6806% | 821 |
| Net loans and leases to core deposits | 99.6750% | 1,125 |
| Total domestic deposits to total assets | 84.5840% | 4,050 |
| Equity capital to assets | 9.3178% | 4,741 |
| Core capital (leverage) ratio | 9.8689% | 3,760 |
| Tier 1 risk-based capital ratio | 13.9826% | 4,346 |
| Total risk-based capital ratio | 15.2393% | 4,283 |
| Memoranda: | ||
| Average total assets | $253,486,000 | 2,523 |
| Average earning assets | $239,978,000 | 2,443 |
| Average equity | $23,450,500 | 2,799 |
| Average total loans | $204,662,000 | 2,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,151 |
| Cost of funding earning assets | 0.6619% | 2,107 |
| Net interest margin | 4.2103% | 1,325 |
| Noninterest income to average assets | 0.1329% | 6,267 |
| Noninterest expense to average assets | 2.6968% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8565% | 2,997 |
| Return on assets (ROA) | 0.8565% | 3,077 |
| Pretax return on assets | 1.3627% | 1,927 |
| Return on Equity (ROE) | 8.9133% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.9133% | 792 |
| Net charge-offs to loans | 0.0989% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.1929% | 1,819 |
| Efficiency ratio | 66.4317% | 4,485 |
| Assets per employee ($millions) | 6.0347% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 2,416 |
| Loan loss allowance to noncurrent loans | 38.0209% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 5.1804% | 445 |
| Noncurrent loans to loans | 4.4618% | 596 |
| Net loans and leases to total assets | 79.6769% | 628 |
| Net loans and leases to deposits | 100.2696% | 466 |
| Net loans and leases to core deposits | 107.2982% | 724 |
| Total domestic deposits to total assets | 79.4627% | 5,562 |
| Equity capital to assets | 9.1846% | 4,821 |
| Core capital (leverage) ratio | 9.9850% | 3,598 |
| Tier 1 risk-based capital ratio | 13.6084% | 4,577 |
| Total risk-based capital ratio | 14.8681% | 4,518 |
| Memoranda: | ||
| Average total assets | $234,090,000 | 2,676 |
| Average earning assets | $218,324,000 | 2,641 |
| Average equity | $22,494,600 | 2,878 |
| Average total loans | $199,216,400 | 2,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 1,012 |
| Cost of funding earning assets | 0.6839% | 2,072 |
| Net interest margin | 4.2762% | 1,148 |
| Noninterest income to average assets | 0.4589% | 4,090 |
| Noninterest expense to average assets | 2.7161% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0696% | 2,121 |
| Return on assets (ROA) | 1.0696% | 2,204 |
| Pretax return on assets | 1.7175% | 1,064 |
| Return on Equity (ROE) | 10.9960% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.9960% | 577 |
| Net charge-offs to loans | 0.1470% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.5458% | 2,021 |
| Efficiency ratio | 61.2620% | 5,233 |
| Assets per employee ($millions) | 5.4379% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,487 |
| Loan loss allowance to noncurrent loans | 35.8147% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 7.0055% | 291 |
| Noncurrent loans to loans | 4.8582% | 638 |
| Net loans and leases to total assets | 85.6527% | 163 |
| Net loans and leases to deposits | 98.2142% | 555 |
| Net loans and leases to core deposits | 104.9722% | 818 |
| Total domestic deposits to total assets | 87.2101% | 2,560 |
| Equity capital to assets | 10.1435% | 3,711 |
| Core capital (leverage) ratio | 10.1608% | 3,459 |
| Tier 1 risk-based capital ratio | 13.6429% | 4,664 |
| Total risk-based capital ratio | 14.9031% | 4,612 |
| Memoranda: | ||
| Average total assets | $229,248,500 | 2,744 |
| Average earning assets | $213,079,000 | 2,705 |
| Average equity | $22,298,500 | 2,927 |
| Average total loans | $197,662,750 | 2,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 918 |
| Cost of funding earning assets | 0.6948% | 2,106 |
| Net interest margin | 4.2991% | 1,036 |
| Noninterest income to average assets | 0.4357% | 4,276 |
| Noninterest expense to average assets | 2.7708% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0308% | 2,199 |
| Return on assets (ROA) | 1.0308% | 2,317 |
| Pretax return on assets | 1.6599% | 1,212 |
| Return on Equity (ROE) | 10.7501% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.7501% | 692 |
| Net charge-offs to loans | 0.2404% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.0380% | 2,463 |
| Efficiency ratio | 62.5369% | 5,091 |
| Assets per employee ($millions) | 5.3739% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,715 |
| Loan loss allowance to noncurrent loans | 61.4082% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 5.6990% | 504 |
| Noncurrent loans to loans | 2.7970% | 1,621 |
| Net loans and leases to total assets | 87.3388% | 110 |
| Net loans and leases to deposits | 99.9539% | 430 |
| Net loans and leases to core deposits | 107.1278% | 682 |
| Total domestic deposits to total assets | 87.3791% | 2,602 |
| Equity capital to assets | 9.9860% | 3,932 |
| Core capital (leverage) ratio | 9.8165% | 3,773 |
| Tier 1 risk-based capital ratio | 13.2775% | 4,934 |
| Total risk-based capital ratio | 14.5374% | 4,873 |
| Memoranda: | ||
| Average total assets | $229,534,000 | 2,747 |
| Average earning assets | $213,301,670 | 2,704 |
| Average equity | $22,009,000 | 2,988 |
| Average total loans | $197,187,670 | 2,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 1,011 |
| Cost of funding earning assets | 0.7058% | 2,159 |
| Net interest margin | 4.2215% | 1,135 |
| Noninterest income to average assets | 0.6014% | 3,130 |
| Noninterest expense to average assets | 2.7704% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0871% | 1,910 |
| Return on assets (ROA) | 1.0871% | 2,019 |
| Pretax return on assets | 1.7490% | 975 |
| Return on Equity (ROE) | 11.5710% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.5710% | 763 |
| Net charge-offs to loans | 0.0327% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 63.2500% | 564 |
| Efficiency ratio | 61.3002% | 5,407 |
| Assets per employee ($millions) | 5.6771% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 2,451 |
| Loan loss allowance to noncurrent loans | 52.2520% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 6.5134% | 458 |
| Noncurrent loans to loans | 3.5351% | 1,351 |
| Net loans and leases to total assets | 85.7833% | 128 |
| Net loans and leases to deposits | 98.3228% | 430 |
| Net loans and leases to core deposits | 105.4780% | 657 |
| Total domestic deposits to total assets | 87.2466% | 2,796 |
| Equity capital to assets | 9.7118% | 4,547 |
| Core capital (leverage) ratio | 9.8161% | 3,645 |
| Tier 1 risk-based capital ratio | 13.1089% | 5,140 |
| Total risk-based capital ratio | 14.3706% | 5,083 |
| Memoranda: | ||
| Average total assets | $231,448,500 | 2,763 |
| Average earning assets | $214,805,500 | 2,717 |
| Average equity | $21,744,000 | 3,057 |
| Average total loans | $195,495,000 | 2,063 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 1,448 |
| Cost of funding earning assets | 0.8811% | 2,063 |
| Net interest margin | 4.1633% | 1,767 |
| Noninterest income to average assets | 0.2747% | 5,497 |
| Noninterest expense to average assets | 2.7229% | 4,315 |
| Loan and lease loss provision to assets | 0.6922% | 751 |
| Net operating income to assets | 0.4475% | 4,894 |
| Return on assets (ROA) | 0.4475% | 5,139 |
| Pretax return on assets | 0.7297% | 4,558 |
| Return on Equity (ROE) | 4.8547% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.8547% | 2,804 |
| Net charge-offs to loans | 0.7494% | 1,561 |
| Credit loss provision to net charge-offs | 112.3188% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.3072% | 4,260 |
| Efficiency ratio | 65.6934% | 4,564 |
| Assets per employee ($millions) | 5.6146% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,262 |
| Loan loss allowance to noncurrent loans | 124.8982% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 4.6982% | 863 |
| Noncurrent loans to loans | 1.5312% | 3,310 |
| Net loans and leases to total assets | 80.0812% | 466 |
| Net loans and leases to deposits | 99.3419% | 439 |
| Net loans and leases to core deposits | 106.5388% | 670 |
| Total domestic deposits to total assets | 80.6117% | 5,507 |
| Equity capital to assets | 9.0894% | 5,418 |
| Core capital (leverage) ratio | 9.8254% | 3,633 |
| Tier 1 risk-based capital ratio | 12.8561% | 5,211 |
| Total risk-based capital ratio | 14.1181% | 5,141 |
| Memoranda: | ||
| Average total assets | $223,917,200 | 2,797 |
| Average earning assets | $208,151,200 | 2,764 |
| Average equity | $20,640,000 | 3,130 |
| Average total loans | $184,149,000 | 2,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 1,486 |
| Cost of funding earning assets | 0.9198% | 2,048 |
| Net interest margin | 4.1548% | 1,884 |
| Noninterest income to average assets | 0.1171% | 6,553 |
| Noninterest expense to average assets | 2.6818% | 4,443 |
| Loan and lease loss provision to assets | 0.9354% | 459 |
| Net operating income to assets | 0.2203% | 5,865 |
| Return on assets (ROA) | 0.2203% | 6,041 |
| Pretax return on assets | 0.3651% | 5,801 |
| Return on Equity (ROE) | 2.3807% | 5,923 |
| Retained earnings to average equity (ytd only) | 2.3807% | 5,144 |
| Net charge-offs to loans | 1.0011% | 1,062 |
| Credit loss provision to net charge-offs | 113.3870% | 2,573 |
| Earnings coverage of net charge-offs (x) | 1.5764% | 4,494 |
| Efficiency ratio | 67.3435% | 4,205 |
| Assets per employee ($millions) | 5.0393% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 2,256 |
| Loan loss allowance to noncurrent loans | 44.4431% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 6.3586% | 607 |
| Noncurrent loans to loans | 4.4358% | 1,070 |
| Net loans and leases to total assets | 86.8102% | 120 |
| Net loans and leases to deposits | 97.7215% | 561 |
| Net loans and leases to core deposits | 105.3648% | 774 |
| Total domestic deposits to total assets | 88.8343% | 1,521 |
| Equity capital to assets | 9.8380% | 4,727 |
| Core capital (leverage) ratio | 9.5398% | 4,205 |
| Tier 1 risk-based capital ratio | 12.6803% | 5,494 |
| Total risk-based capital ratio | 13.9435% | 5,453 |
| Memoranda: | ||
| Average total assets | $220,943,500 | 2,851 |
| Average earning assets | $205,539,500 | 2,813 |
| Average equity | $20,441,500 | 3,180 |
| Average total loans | $182,055,500 | 2,200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,617 |
| Cost of funding earning assets | 0.9322% | 2,167 |
| Net interest margin | 4.1321% | 1,959 |
| Noninterest income to average assets | -0.1705% | 7,126 |
| Noninterest expense to average assets | 2.5870% | 4,821 |
| Loan and lease loss provision to assets | 1.3248% | 299 |
| Net operating income to assets | -0.1643% | 6,505 |
| Return on assets (ROA) | -0.1643% | 6,590 |
| Pretax return on assets | -0.2482% | 6,612 |
| Return on Equity (ROE) | -1.8115% | 6,607 |
| Retained earnings to average equity (ytd only) | -1.8115% | 6,332 |
| Net charge-offs to loans | 1.5411% | 633 |
| Credit loss provision to net charge-offs | 106.8395% | 2,551 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 4,619 |
| Efficiency ratio | 70.6140% | 3,671 |
| Assets per employee ($millions) | 5.5185% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 2,233 |
| Loan loss allowance to noncurrent loans | 40.8818% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 6.4520% | 638 |
| Noncurrent loans to loans | 4.8904% | 1,023 |
| Net loans and leases to total assets | 80.0977% | 498 |
| Net loans and leases to deposits | 89.2117% | 1,231 |
| Net loans and leases to core deposits | 95.8610% | 1,435 |
| Total domestic deposits to total assets | 89.7838% | 1,054 |
| Equity capital to assets | 9.1751% | 5,489 |
| Core capital (leverage) ratio | 9.0305% | 4,866 |
| Tier 1 risk-based capital ratio | 12.7583% | 5,371 |
| Total risk-based capital ratio | 14.0207% | 5,333 |
| Memoranda: | ||
| Average total assets | $224,041,670 | 2,826 |
| Average earning assets | $207,885,330 | 2,790 |
| Average equity | $20,314,670 | 3,188 |
| Average total loans | $180,264,670 | 2,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 1,453 |
| Cost of funding earning assets | 0.9440% | 2,349 |
| Net interest margin | 4.2000% | 1,757 |
| Noninterest income to average assets | -0.6239% | 7,260 |
| Noninterest expense to average assets | 2.5894% | 4,861 |
| Loan and lease loss provision to assets | 1.2229% | 308 |
| Net operating income to assets | -0.3509% | 6,731 |
| Return on assets (ROA) | -0.3509% | 6,774 |
| Pretax return on assets | -0.5565% | 6,851 |
| Return on Equity (ROE) | -3.8928% | 6,801 |
| Retained earnings to average equity (ytd only) | -3.8928% | 6,481 |
| Net charge-offs to loans | 1.8913% | 506 |
| Credit loss provision to net charge-offs | 80.9859% | 2,706 |
| Earnings coverage of net charge-offs (x) | 0.4413% | 4,125 |
| Efficiency ratio | 79.5318% | 2,261 |
| Assets per employee ($millions) | 5.3937% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 2,675 |
| Loan loss allowance to noncurrent loans | 48.7698% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 5.6167% | 867 |
| Noncurrent loans to loans | 3.8943% | 1,584 |
| Net loans and leases to total assets | 76.3822% | 761 |
| Net loans and leases to deposits | 86.5257% | 1,354 |
| Net loans and leases to core deposits | 92.5316% | 1,589 |
| Total domestic deposits to total assets | 88.2770% | 2,146 |
| Equity capital to assets | 8.9403% | 5,585 |
| Core capital (leverage) ratio | 9.0659% | 4,741 |
| Tier 1 risk-based capital ratio | 12.8275% | 5,344 |
| Total risk-based capital ratio | 14.0887% | 5,310 |
| Memoranda: | ||
| Average total assets | $225,693,500 | 2,820 |
| Average earning assets | $208,476,000 | 2,792 |
| Average equity | $20,345,500 | 3,187 |
| Average total loans | $180,190,500 | 2,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 1,263 |
| Cost of funding earning assets | 1.1508% | 2,350 |
| Net interest margin | 4.3096% | 1,670 |
| Noninterest income to average assets | -0.3027% | 7,200 |
| Noninterest expense to average assets | 2.4867% | 5,514 |
| Loan and lease loss provision to assets | 1.0903% | 830 |
| Net operating income to assets | 0.0470% | 5,969 |
| Return on assets (ROA) | 0.0470% | 6,077 |
| Pretax return on assets | 0.0753% | 6,006 |
| Return on Equity (ROE) | 0.5491% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.5491% | 5,589 |
| Net charge-offs to loans | 1.5819% | 1,001 |
| Credit loss provision to net charge-offs | 84.6333% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.9047% | 5,130 |
| Efficiency ratio | 68.0871% | 4,338 |
| Assets per employee ($millions) | 6.0770% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,542 |
| Loan loss allowance to noncurrent loans | 66.9335% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 5.9088% | 836 |
| Noncurrent loans to loans | 2.8517% | 2,293 |
| Net loans and leases to total assets | 80.2691% | 464 |
| Net loans and leases to deposits | 101.3158% | 401 |
| Net loans and leases to core deposits | 107.7227% | 714 |
| Total domestic deposits to total assets | 79.2266% | 5,937 |
| Equity capital to assets | 9.0896% | 5,428 |
| Core capital (leverage) ratio | 9.0747% | 4,660 |
| Tier 1 risk-based capital ratio | 12.1302% | 5,740 |
| Total risk-based capital ratio | 13.3909% | 5,712 |
| Memoranda: | ||
| Average total assets | $233,885,400 | 2,686 |
| Average earning assets | $214,635,000 | 2,670 |
| Average equity | $20,032,400 | 3,141 |
| Average total loans | $190,464,600 | 2,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 1,657 |
| Cost of funding earning assets | 1.1809% | 2,442 |
| Net interest margin | 4.1757% | 2,190 |
| Noninterest income to average assets | -0.4715% | 7,347 |
| Noninterest expense to average assets | 2.5904% | 5,118 |
| Loan and lease loss provision to assets | 1.1970% | 654 |
| Net operating income to assets | -0.2654% | 6,452 |
| Return on assets (ROA) | -0.2654% | 6,521 |
| Pretax return on assets | -0.4297% | 6,582 |
| Return on Equity (ROE) | -3.1441% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.1441% | 6,434 |
| Net charge-offs to loans | 1.6694% | 833 |
| Credit loss provision to net charge-offs | 88.1497% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.5651% | 5,203 |
| Efficiency ratio | 77.1481% | 2,658 |
| Assets per employee ($millions) | 6.5156% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,440 |
| Loan loss allowance to noncurrent loans | 31.5412% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 8.6693% | 469 |
| Noncurrent loans to loans | 6.2200% | 879 |
| Net loans and leases to total assets | 80.8588% | 436 |
| Net loans and leases to deposits | 98.6666% | 534 |
| Net loans and leases to core deposits | 104.7883% | 932 |
| Total domestic deposits to total assets | 81.9515% | 5,108 |
| Equity capital to assets | 8.6982% | 6,088 |
| Core capital (leverage) ratio | 8.5814% | 5,584 |
| Tier 1 risk-based capital ratio | 11.7191% | 6,088 |
| Total risk-based capital ratio | 12.9808% | 6,078 |
| Memoranda: | ||
| Average total assets | $236,144,250 | 2,680 |
| Average earning assets | $216,550,250 | 2,663 |
| Average equity | $19,931,000 | 3,154 |
| Average total loans | $192,081,500 | 2,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 1,502 |
| Cost of funding earning assets | 1.2111% | 2,499 |
| Net interest margin | 4.2100% | 1,994 |
| Noninterest income to average assets | -0.7411% | 7,449 |
| Noninterest expense to average assets | 2.6871% | 4,871 |
| Loan and lease loss provision to assets | 1.0760% | 769 |
| Net operating income to assets | -0.4095% | 6,614 |
| Return on assets (ROA) | -0.4095% | 6,642 |
| Pretax return on assets | -0.6531% | 6,739 |
| Return on Equity (ROE) | -4.8991% | 6,709 |
| Retained earnings to average equity (ytd only) | -4.8991% | 6,560 |
| Net charge-offs to loans | 1.6855% | 860 |
| Credit loss provision to net charge-offs | 78.8344% | 3,811 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 5,081 |
| Efficiency ratio | 86.4028% | 1,558 |
| Assets per employee ($millions) | 6.7298% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 2,557 |
| Loan loss allowance to noncurrent loans | 58.3601% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 6.2659% | 876 |
| Noncurrent loans to loans | 3.3171% | 2,153 |
| Net loans and leases to total assets | 78.0690% | 772 |
| Net loans and leases to deposits | 94.5181% | 834 |
| Net loans and leases to core deposits | 99.4693% | 1,392 |
| Total domestic deposits to total assets | 82.5968% | 4,950 |
| Equity capital to assets | 8.3896% | 6,318 |
| Core capital (leverage) ratio | 8.1836% | 6,059 |
| Tier 1 risk-based capital ratio | 11.6138% | 6,081 |
| Total risk-based capital ratio | 12.8749% | 6,070 |
| Memoranda: | ||
| Average total assets | $238,843,330 | 2,669 |
| Average earning assets | $218,479,330 | 2,663 |
| Average equity | $19,962,670 | 3,131 |
| Average total loans | $193,413,330 | 2,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 1,295 |
| Cost of funding earning assets | 1.2247% | 2,657 |
| Net interest margin | 4.2764% | 1,638 |
| Noninterest income to average assets | -0.4541% | 7,491 |
| Noninterest expense to average assets | 2.8059% | 4,412 |
| Loan and lease loss provision to assets | 1.1393% | 629 |
| Net operating income to assets | -0.3160% | 6,676 |
| Return on assets (ROA) | -0.3160% | 6,686 |
| Pretax return on assets | -0.5023% | 6,749 |
| Return on Equity (ROE) | -3.7880% | 6,725 |
| Retained earnings to average equity (ytd only) | -3.7880% | 6,391 |
| Net charge-offs to loans | 1.1835% | 1,176 |
| Credit loss provision to net charge-offs | 117.9002% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.6592% | 4,132 |
| Efficiency ratio | 81.4976% | 2,303 |
| Assets per employee ($millions) | 7.3118% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 2,192 |
| Loan loss allowance to noncurrent loans | 52.5035% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 7.7761% | 622 |
| Noncurrent loans to loans | 3.9944% | 1,817 |
| Net loans and leases to total assets | 78.9163% | 631 |
| Net loans and leases to deposits | 96.1581% | 680 |
| Net loans and leases to core deposits | 101.4994% | 1,237 |
| Total domestic deposits to total assets | 82.0694% | 5,280 |
| Equity capital to assets | 8.2867% | 6,177 |
| Core capital (leverage) ratio | 8.5328% | 5,385 |
| Tier 1 risk-based capital ratio | 11.3811% | 6,193 |
| Total risk-based capital ratio | 12.6448% | 6,171 |
| Memoranda: | ||
| Average total assets | $240,493,500 | 2,661 |
| Average earning assets | $219,156,000 | 2,676 |
| Average equity | $20,063,500 | 3,101 |
| Average total loans | $196,362,000 | 2,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 2,000 |
| Cost of funding earning assets | 1.6726% | 1,720 |
| Net interest margin | 3.8994% | 3,495 |
| Noninterest income to average assets | 0.2351% | 6,120 |
| Noninterest expense to average assets | 2.4169% | 6,055 |
| Loan and lease loss provision to assets | 1.1062% | 1,441 |
| Net operating income to assets | 0.1922% | 5,290 |
| Return on assets (ROA) | 0.2263% | 5,345 |
| Pretax return on assets | 0.3687% | 5,032 |
| Return on Equity (ROE) | 2.7267% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.7267% | 3,949 |
| Net charge-offs to loans | 0.9534% | 2,276 |
| Credit loss provision to net charge-offs | 136.6460% | 2,808 |
| Earnings coverage of net charge-offs (x) | 1.7562% | 4,401 |
| Efficiency ratio | 62.9626% | 5,519 |
| Assets per employee ($millions) | 7.2635% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,285 |
| Loan loss allowance to noncurrent loans | 43.4616% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 8.5408% | 550 |
| Noncurrent loans to loans | 4.6139% | 1,522 |
| Net loans and leases to total assets | 81.0410% | 536 |
| Net loans and leases to deposits | 103.2640% | 432 |
| Net loans and leases to core deposits | 109.1267% | 977 |
| Total domestic deposits to total assets | 78.4794% | 6,220 |
| Equity capital to assets | 8.3990% | 6,001 |
| Core capital (leverage) ratio | 8.5680% | 5,243 |
| Tier 1 risk-based capital ratio | 11.3861% | 6,005 |
| Total risk-based capital ratio | 12.6486% | 5,986 |
| Memoranda: | ||
| Average total assets | $238,651,800 | 2,649 |
| Average earning assets | $220,549,000 | 2,629 |
| Average equity | $19,803,800 | 3,176 |
| Average total loans | $202,644,600 | 2,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5206% | 2,350 |
| Cost of funding earning assets | 1.7417% | 1,664 |
| Net interest margin | 3.7789% | 4,061 |
| Noninterest income to average assets | 0.1572% | 6,743 |
| Noninterest expense to average assets | 2.3630% | 6,141 |
| Loan and lease loss provision to assets | 0.9005% | 1,688 |
| Net operating income to assets | 0.2443% | 5,373 |
| Return on assets (ROA) | 0.2897% | 5,376 |
| Pretax return on assets | 0.4692% | 5,016 |
| Return on Equity (ROE) | 3.5020% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.5020% | 3,990 |
| Net charge-offs to loans | 0.7807% | 2,484 |
| Credit loss provision to net charge-offs | 134.9539% | 2,986 |
| Earnings coverage of net charge-offs (x) | 1.9463% | 4,246 |
| Efficiency ratio | 64.5334% | 5,141 |
| Assets per employee ($millions) | 8.3835% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,791 |
| Loan loss allowance to noncurrent loans | 30.1918% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 8.2863% | 591 |
| Noncurrent loans to loans | 5.9614% | 1,050 |
| Net loans and leases to total assets | 85.6274% | 230 |
| Net loans and leases to deposits | 105.3802% | 387 |
| Net loans and leases to core deposits | 111.8643% | 941 |
| Total domestic deposits to total assets | 81.2557% | 5,282 |
| Equity capital to assets | 8.6185% | 6,133 |
| Core capital (leverage) ratio | 8.5361% | 5,439 |
| Tier 1 risk-based capital ratio | 11.1379% | 6,249 |
| Total risk-based capital ratio | 12.3976% | 6,233 |
| Memoranda: | ||
| Average total assets | $238,390,750 | 2,688 |
| Average earning assets | $221,080,250 | 2,655 |
| Average equity | $19,721,750 | 3,226 |
| Average total loans | $203,749,000 | 2,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 2,722 |
| Cost of funding earning assets | 1.7858% | 1,702 |
| Net interest margin | 3.6707% | 4,499 |
| Noninterest income to average assets | 0.0275% | 7,441 |
| Noninterest expense to average assets | 2.4849% | 5,767 |
| Loan and lease loss provision to assets | 1.0066% | 1,446 |
| Net operating income to assets | -0.0436% | 6,141 |
| Return on assets (ROA) | 0.0242% | 6,146 |
| Pretax return on assets | 0.0442% | 6,084 |
| Return on Equity (ROE) | 0.2966% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.2966% | 5,639 |
| Net charge-offs to loans | 0.9290% | 1,979 |
| Credit loss provision to net charge-offs | 127.6190% | 3,152 |
| Earnings coverage of net charge-offs (x) | 1.1979% | 4,603 |
| Efficiency ratio | 72.4507% | 3,747 |
| Assets per employee ($millions) | 9.5794% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,981 |
| Loan loss allowance to noncurrent loans | 31.2074% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 7.4860% | 680 |
| Noncurrent loans to loans | 5.5269% | 1,194 |
| Net loans and leases to total assets | 83.9364% | 361 |
| Net loans and leases to deposits | 100.4733% | 682 |
| Net loans and leases to core deposits | 106.0860% | 1,433 |
| Total domestic deposits to total assets | 83.5410% | 4,318 |
| Equity capital to assets | 8.2218% | 6,512 |
| Core capital (leverage) ratio | 8.1327% | 6,062 |
| Tier 1 risk-based capital ratio | 10.8245% | 6,428 |
| Total risk-based capital ratio | 12.0832% | 6,408 |
| Memoranda: | ||
| Average total assets | $239,608,330 | 2,706 |
| Average earning assets | $222,084,330 | 2,660 |
| Average equity | $19,552,000 | 3,237 |
| Average total loans | $203,437,330 | 2,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 2,775 |
| Cost of funding earning assets | 1.8356% | 1,719 |
| Net interest margin | 3.6261% | 4,594 |
| Noninterest income to average assets | -0.0367% | 7,718 |
| Noninterest expense to average assets | 2.1813% | 6,737 |
| Loan and lease loss provision to assets | 1.4270% | 834 |
| Net operating income to assets | -0.1869% | 6,531 |
| Return on assets (ROA) | -0.1869% | 6,604 |
| Pretax return on assets | -0.2921% | 6,631 |
| Return on Equity (ROE) | -2.2994% | 6,670 |
| Retained earnings to average equity (ytd only) | -2.2994% | 6,257 |
| Net charge-offs to loans | 0.3529% | 2,995 |
| Credit loss provision to net charge-offs | 477.6536% | 884 |
| Earnings coverage of net charge-offs (x) | 3.7989% | 2,779 |
| Efficiency ratio | 65.7776% | 5,167 |
| Assets per employee ($millions) | 9.3213% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 2,367 |
| Loan loss allowance to noncurrent loans | 48.4220% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 6.9395% | 780 |
| Noncurrent loans to loans | 3.9820% | 1,967 |
| Net loans and leases to total assets | 82.7524% | 498 |
| Net loans and leases to deposits | 98.6177% | 852 |
| Net loans and leases to core deposits | 104.8095% | 1,672 |
| Total domestic deposits to total assets | 83.9123% | 4,183 |
| Equity capital to assets | 8.0424% | 6,608 |
| Core capital (leverage) ratio | 8.1547% | 5,986 |
| Tier 1 risk-based capital ratio | 10.5459% | 6,592 |
| Total risk-based capital ratio | 11.8066% | 6,572 |
| Memoranda: | ||
| Average total assets | $239,669,500 | 2,766 |
| Average earning assets | $221,613,500 | 2,718 |
| Average equity | $19,483,000 | 3,267 |
| Average total loans | $202,884,000 | 2,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9989% | 1,871 |
| Cost of funding earning assets | 2.5394% | 922 |
| Net interest margin | 3.4595% | 5,129 |
| Noninterest income to average assets | 0.3481% | 5,606 |
| Noninterest expense to average assets | 2.1039% | 7,178 |
| Loan and lease loss provision to assets | 1.7344% | 1,314 |
| Net operating income to assets | -0.1581% | 5,773 |
| Return on assets (ROA) | -0.1581% | 5,773 |
| Pretax return on assets | -0.2489% | 5,765 |
| Return on Equity (ROE) | -1.8606% | 5,834 |
| Retained earnings to average equity (ytd only) | -1.8606% | 5,485 |
| Net charge-offs to loans | 1.2816% | 1,939 |
| Credit loss provision to net charge-offs | 151.0089% | 3,055 |
| Earnings coverage of net charge-offs (x) | 1.2934% | 4,833 |
| Efficiency ratio | 58.6131% | 6,677 |
| Assets per employee ($millions) | 9.1148% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,182 |
| Loan loss allowance to noncurrent loans | 46.3799% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 5.1083% | 1,191 |
| Noncurrent loans to loans | 3.4997% | 2,171 |
| Net loans and leases to total assets | 83.5513% | 484 |
| Net loans and leases to deposits | 99.9036% | 913 |
| Net loans and leases to core deposits | 175.9372% | 186 |
| Total domestic deposits to total assets | 83.6319% | 4,213 |
| Equity capital to assets | 8.2178% | 6,323 |
| Core capital (leverage) ratio | 8.9461% | 4,512 |
| Tier 1 risk-based capital ratio | 10.9050% | 6,002 |
| Total risk-based capital ratio | 12.1621% | 5,974 |
| Memoranda: | ||
| Average total assets | $215,746,600 | 3,009 |
| Average earning assets | $202,137,600 | 2,947 |
| Average equity | $18,327,400 | 3,458 |
| Average total loans | $193,351,800 | 2,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 1,577 |
| Cost of funding earning assets | 2.6930% | 804 |
| Net interest margin | 3.4276% | 5,157 |
| Noninterest income to average assets | 0.3200% | 5,921 |
| Noninterest expense to average assets | 2.1048% | 7,184 |
| Loan and lease loss provision to assets | 1.1284% | 1,732 |
| Net operating income to assets | 0.1907% | 5,191 |
| Return on assets (ROA) | 0.1907% | 5,266 |
| Pretax return on assets | 0.3092% | 5,036 |
| Return on Equity (ROE) | 2.2246% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.2246% | 4,086 |
| Net charge-offs to loans | 1.2506% | 1,634 |
| Credit loss provision to net charge-offs | 99.2201% | 5,151 |
| Earnings coverage of net charge-offs (x) | 1.2641% | 4,826 |
| Efficiency ratio | 59.4169% | 6,495 |
| Assets per employee ($millions) | 7.9471% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,187 |
| Loan loss allowance to noncurrent loans | 21.3664% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 5.4043% | 1,069 |
| Noncurrent loans to loans | 4.7510% | 1,437 |
| Net loans and leases to total assets | 90.3883% | 102 |
| Net loans and leases to deposits | 110.5061% | 453 |
| Net loans and leases to core deposits | 177.0672% | 206 |
| Total domestic deposits to total assets | 81.7948% | 4,766 |
| Equity capital to assets | 9.0143% | 5,460 |
| Core capital (leverage) ratio | 9.0579% | 4,563 |
| Tier 1 risk-based capital ratio | 11.3226% | 5,619 |
| Total risk-based capital ratio | 12.4887% | 5,652 |
| Memoranda: | ||
| Average total assets | $210,436,750 | 3,084 |
| Average earning assets | $197,842,000 | 3,014 |
| Average equity | $18,040,500 | 3,533 |
| Average total loans | $191,371,750 | 2,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 2,700 |
| Cost of funding earning assets | 2.7714% | 856 |
| Net interest margin | 3.1017% | 6,234 |
| Noninterest income to average assets | 0.2679% | 6,357 |
| Noninterest expense to average assets | 2.3199% | 6,706 |
| Loan and lease loss provision to assets | 1.3929% | 1,243 |
| Net operating income to assets | -0.3301% | 6,359 |
| Return on assets (ROA) | -0.3301% | 6,373 |
| Pretax return on assets | -0.5252% | 6,456 |
| Return on Equity (ROE) | -3.9190% | 6,469 |
| Retained earnings to average equity (ytd only) | -3.9190% | 6,121 |
| Net charge-offs to loans | 1.5444% | 1,226 |
| Credit loss provision to net charge-offs | 99.3179% | 4,634 |
| Earnings coverage of net charge-offs (x) | 0.6187% | 5,091 |
| Efficiency ratio | 72.7791% | 4,250 |
| Assets per employee ($millions) | 8.3039% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 6,064 |
| Loan loss allowance to noncurrent loans | 15.5618% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 7.3237% | 556 |
| Noncurrent loans to loans | 6.5668% | 795 |
| Net loans and leases to total assets | 89.4082% | 158 |
| Net loans and leases to deposits | 110.0153% | 550 |
| Net loans and leases to core deposits | 179.5916% | 222 |
| Total domestic deposits to total assets | 81.2688% | 4,970 |
| Equity capital to assets | 8.1393% | 6,581 |
| Core capital (leverage) ratio | 8.2221% | 5,944 |
| Tier 1 risk-based capital ratio | 10.3307% | 6,563 |
| Total risk-based capital ratio | 11.5041% | 6,574 |
| Memoranda: | ||
| Average total assets | $209,058,670 | 3,117 |
| Average earning assets | $196,797,670 | 3,041 |
| Average equity | $17,606,670 | 3,599 |
| Average total loans | $189,850,330 | 2,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8921% | 2,834 |
| Cost of funding earning assets | 2.8911% | 786 |
| Net interest margin | 3.0011% | 6,475 |
| Noninterest income to average assets | 0.2004% | 6,857 |
| Noninterest expense to average assets | 2.1164% | 7,079 |
| Loan and lease loss provision to assets | 2.5404% | 455 |
| Net operating income to assets | -1.0271% | 7,268 |
| Return on assets (ROA) | -1.0271% | 7,283 |
| Pretax return on assets | -1.6437% | 7,420 |
| Return on Equity (ROE) | -11.9840% | 7,473 |
| Retained earnings to average equity (ytd only) | -11.9840% | 7,264 |
| Net charge-offs to loans | 2.9520% | 432 |
| Credit loss provision to net charge-offs | 94.5007% | 3,906 |
| Earnings coverage of net charge-offs (x) | 0.3336% | 4,709 |
| Efficiency ratio | 70.2389% | 4,522 |
| Assets per employee ($millions) | 8.7913% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,168 |
| Loan loss allowance to noncurrent loans | 16.3819% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 6.8695% | 507 |
| Noncurrent loans to loans | 6.1107% | 773 |
| Net loans and leases to total assets | 90.3214% | 125 |
| Net loans and leases to deposits | 107.7513% | 744 |
| Net loans and leases to core deposits | 174.3630% | 293 |
| Total domestic deposits to total assets | 83.8240% | 3,787 |
| Equity capital to assets | 8.2411% | 6,478 |
| Core capital (leverage) ratio | 8.4123% | 5,695 |
| Tier 1 risk-based capital ratio | 9.9295% | 7,002 |
| Total risk-based capital ratio | 11.0317% | 7,071 |
| Memoranda: | ||
| Average total assets | $205,637,000 | 3,172 |
| Average earning assets | $192,732,000 | 3,114 |
| Average equity | $17,623,500 | 3,620 |
| Average total loans | $187,262,000 | 2,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8231% | 1,604 |
| Cost of funding earning assets | 3.2181% | 1,134 |
| Net interest margin | 3.6050% | 4,864 |
| Noninterest income to average assets | 0.1080% | 7,595 |
| Noninterest expense to average assets | 1.9085% | 7,601 |
| Loan and lease loss provision to assets | 0.8095% | 1,835 |
| Net operating income to assets | 0.5033% | 4,723 |
| Return on assets (ROA) | 0.5033% | 4,564 |
| Pretax return on assets | 0.8117% | 4,028 |
| Return on Equity (ROE) | 5.3260% | 4,224 |
| Retained earnings to average equity (ytd only) | -10.6978% | 7,134 |
| Net charge-offs to loans | 0.6199% | 1,981 |
| Credit loss provision to net charge-offs | 144.6911% | 3,652 |
| Earnings coverage of net charge-offs (x) | 2.8977% | 4,632 |
| Efficiency ratio | 54.0698% | 7,257 |
| Assets per employee ($millions) | 8.3451% | 415 |
| Cash dividends to net income (ytd only)* | 300.8584% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,291 |
| Loan loss allowance to noncurrent loans | 28.9325% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 4.7223% | 768 |
| Noncurrent loans to loans | 3.8033% | 1,307 |
| Net loans and leases to total assets | 89.8848% | 202 |
| Net loans and leases to deposits | 109.4451% | 870 |
| Net loans and leases to core deposits | 192.3436% | 206 |
| Total domestic deposits to total assets | 82.1278% | 4,150 |
| Equity capital to assets | 8.9169% | 5,475 |
| Core capital (leverage) ratio | 9.0797% | 4,631 |
| Tier 1 risk-based capital ratio | 10.6297% | 6,068 |
| Total risk-based capital ratio | 11.8237% | 6,035 |
| Memoranda: | ||
| Average total assets | $185,175,600 | 3,336 |
| Average earning assets | $175,757,000 | 3,248 |
| Average equity | $17,499,000 | 3,649 |
| Average total loans | $167,113,600 | 2,670 |