Home > South Louisiana Bank > Performance and Condition Ratios
South Louisiana Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 3,005 |
| Cost of funding earning assets | 1.0183% | 3,252 |
| Net interest margin | 3.5353% | 2,107 |
| Noninterest income to average assets | 1.3700% | 435 |
| Noninterest expense to average assets | 3.0356% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2752% | 1,482 |
| Return on assets (ROA) | 1.2752% | 1,454 |
| Pretax return on assets | 1.5925% | 1,247 |
| Return on Equity (ROE) | 11.0500% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.6684% | 2,365 |
| Net charge-offs to loans | 0.1921% | 558 |
| Credit loss provision to net charge-offs | 69.8816% | 2,086 |
| Earnings coverage of net charge-offs (x) | 18.3063% | 1,939 |
| Efficiency ratio | 64.7450% | 2,518 |
| Assets per employee ($millions) | 4.6359% | 3,864 |
| Cash dividends to net income (ytd only)* | 48.6798% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0475% | 59 |
| Loan loss allowance to noncurrent loans | 559.5133% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 1,590 |
| Noncurrent loans to loans | 0.7234% | 1,075 |
| Net loans and leases to total assets | 45.5400% | 3,834 |
| Net loans and leases to deposits | 52.6968% | 3,846 |
| Net loans and leases to core deposits | 59.7593% | 3,772 |
| Total domestic deposits to total assets | 86.4100% | 1,888 |
| Equity capital to assets | 12.4143% | 1,005 |
| Core capital (leverage) ratio | 12.8277% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $680,119,000 | 1,332 |
| Average earning assets | $625,524,600 | 1,333 |
| Average equity | $78,522,800 | 1,148 |
| Average total loans | $307,628,400 | 1,761 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 3,122 |
| Cost of funding earning assets | 0.9099% | 3,248 |
| Net interest margin | 3.4784% | 2,259 |
| Noninterest income to average assets | 1.3900% | 428 |
| Noninterest expense to average assets | 3.0492% | 993 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.2447% | 1,662 |
| Return on assets (ROA) | 1.2447% | 1,655 |
| Pretax return on assets | 1.5755% | 1,410 |
| Return on Equity (ROE) | 10.9800% | 2,377 |
| Retained earnings to average equity (ytd only) | 10.9789% | 1,160 |
| Net charge-offs to loans | 0.1575% | 534 |
| Credit loss provision to net charge-offs | 61.0497% | 1,853 |
| Earnings coverage of net charge-offs (x) | 21.9309% | 1,770 |
| Efficiency ratio | 65.5178% | 2,331 |
| Assets per employee ($millions) | 4.7669% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0881% | 53 |
| Loan loss allowance to noncurrent loans | 431.1799% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,322 |
| Noncurrent loans to loans | 0.9481% | 870 |
| Net loans and leases to total assets | 44.5800% | 3,892 |
| Net loans and leases to deposits | 51.5547% | 3,886 |
| Net loans and leases to core deposits | 57.2486% | 3,805 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 12.1577% | 997 |
| Core capital (leverage) ratio | 12.9911% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $685,574,000 | 1,328 |
| Average earning assets | $630,969,250 | 1,320 |
| Average equity | $77,722,750 | 1,149 |
| Average total loans | $306,431,500 | 1,772 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 3,252 |
| Cost of funding earning assets | 0.7903% | 3,237 |
| Net interest margin | 3.4309% | 2,442 |
| Noninterest income to average assets | 1.4100% | 354 |
| Noninterest expense to average assets | 3.0235% | 1,005 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.2599% | 1,664 |
| Return on assets (ROA) | 1.2599% | 1,655 |
| Pretax return on assets | 1.5948% | 1,423 |
| Return on Equity (ROE) | 11.3800% | 2,334 |
| Retained earnings to average equity (ytd only) | 11.3782% | 1,106 |
| Net charge-offs to loans | 0.0295% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 118.9556% | 848 |
| Efficiency ratio | 65.2729% | 2,340 |
| Assets per employee ($millions) | 4.6568% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0609% | 59 |
| Loan loss allowance to noncurrent loans | 527.8397% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,484 |
| Noncurrent loans to loans | 0.7693% | 985 |
| Net loans and leases to total assets | 44.7100% | 3,853 |
| Net loans and leases to deposits | 51.3257% | 3,865 |
| Net loans and leases to core deposits | 56.6900% | 3,785 |
| Total domestic deposits to total assets | 87.1100% | 1,896 |
| Equity capital to assets | 11.7060% | 1,131 |
| Core capital (leverage) ratio | 12.5470% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $691,644,000 | 1,314 |
| Average earning assets | $637,259,667 | 1,313 |
| Average equity | $76,585,000 | 1,157 |
| Average total loans | $305,177,333 | 1,753 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,322 |
| Cost of funding earning assets | 0.7006% | 3,052 |
| Net interest margin | 3.3682% | 2,715 |
| Noninterest income to average assets | 1.2800% | 404 |
| Noninterest expense to average assets | 2.9304% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1465% | 2,075 |
| Return on assets (ROA) | 1.1465% | 2,045 |
| Pretax return on assets | 1.4512% | 1,767 |
| Return on Equity (ROE) | 10.6500% | 2,592 |
| Retained earnings to average equity (ytd only) | 10.6481% | 1,548 |
| Net charge-offs to loans | -0.0160% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9927% | 2,207 |
| Assets per employee ($millions) | 5.0145% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4059% | 53 |
| Loan loss allowance to noncurrent loans | 506.9989% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 1,377 |
| Noncurrent loans to loans | 0.8690% | 869 |
| Net loans and leases to total assets | 41.1900% | 3,989 |
| Net loans and leases to deposits | 46.8811% | 4,002 |
| Net loans and leases to core deposits | 50.9508% | 3,962 |
| Total domestic deposits to total assets | 87.8700% | 1,967 |
| Equity capital to assets | 10.9952% | 1,339 |
| Core capital (leverage) ratio | 11.8229% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $699,848,000 | 1,314 |
| Average earning assets | $644,610,500 | 1,320 |
| Average equity | $75,356,000 | 1,177 |
| Average total loans | $300,422,500 | 1,789 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4270% | 3,277 |
| Cost of funding earning assets | 0.2890% | 2,970 |
| Net interest margin | 3.1379% | 3,069 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.6184% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2505% | 1,603 |
| Return on assets (ROA) | 1.2505% | 1,546 |
| Pretax return on assets | 1.5712% | 1,241 |
| Return on Equity (ROE) | 12.3700% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.9493% | 2,265 |
| Net charge-offs to loans | 0.0899% | 778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 43.0896% | 1,461 |
| Efficiency ratio | 61.6069% | 2,819 |
| Assets per employee ($millions) | 4.9833% | 3,694 |
| Cash dividends to net income (ytd only)* | 43.8037% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4640% | 50 |
| Loan loss allowance to noncurrent loans | 474.5902% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,277 |
| Noncurrent loans to loans | 0.9406% | 789 |
| Net loans and leases to total assets | 40.8500% | 4,035 |
| Net loans and leases to deposits | 46.1790% | 4,050 |
| Net loans and leases to core deposits | 49.8990% | 3,979 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 10.5383% | 1,435 |
| Core capital (leverage) ratio | 11.2989% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $734,963,000 | 1,265 |
| Average earning assets | $683,695,000 | 1,257 |
| Average equity | $74,324,000 | 1,194 |
| Average total loans | $298,044,200 | 1,727 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 3,240 |
| Cost of funding earning assets | 0.2313% | 2,913 |
| Net interest margin | 3.0464% | 3,093 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.5941% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1911% | 1,733 |
| Return on assets (ROA) | 1.1911% | 1,708 |
| Pretax return on assets | 1.5078% | 1,388 |
| Return on Equity (ROE) | 11.9000% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.8956% | 821 |
| Net charge-offs to loans | 0.1302% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 28.9244% | 1,536 |
| Efficiency ratio | 62.3461% | 2,787 |
| Assets per employee ($millions) | 5.2899% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5227% | 52 |
| Loan loss allowance to noncurrent loans | 511.7013% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,512 |
| Noncurrent loans to loans | 0.8839% | 889 |
| Net loans and leases to total assets | 38.7200% | 4,116 |
| Net loans and leases to deposits | 43.5552% | 4,127 |
| Net loans and leases to core deposits | 47.0332% | 4,060 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 10.1306% | 1,552 |
| Core capital (leverage) ratio | 11.2125% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $744,287,750 | 1,263 |
| Average earning assets | $693,528,750 | 1,253 |
| Average equity | $74,524,500 | 1,205 |
| Average total loans | $297,975,500 | 1,719 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 3,072 |
| Cost of funding earning assets | 0.1892% | 3,059 |
| Net interest margin | 3.0016% | 2,864 |
| Noninterest income to average assets | 1.2453% | 452 |
| Noninterest expense to average assets | 2.5508% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1819% | 1,492 |
| Return on assets (ROA) | 1.1819% | 1,468 |
| Pretax return on assets | 1.4962% | 1,177 |
| Return on Equity (ROE) | 11.8489% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.8489% | 631 |
| Net charge-offs to loans | -0.1102% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1273% | 3,031 |
| Assets per employee ($millions) | 5.4201% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8604% | 42 |
| Loan loss allowance to noncurrent loans | 422.1676% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 1,294 |
| Noncurrent loans to loans | 1.1513% | 702 |
| Net loans and leases to total assets | 36.2460% | 4,238 |
| Net loans and leases to deposits | 40.6812% | 4,245 |
| Net loans and leases to core deposits | 44.0167% | 4,187 |
| Total domestic deposits to total assets | 89.0977% | 2,137 |
| Equity capital to assets | 9.9944% | 1,718 |
| Core capital (leverage) ratio | 10.5574% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $750,811,000 | 1,254 |
| Average earning assets | $700,818,667 | 1,247 |
| Average equity | $74,893,333 | 1,229 |
| Average total loans | $299,321,000 | 1,705 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8791% | 3,583 |
| Cost of funding earning assets | 0.1843% | 3,026 |
| Net interest margin | 2.6948% | 3,414 |
| Noninterest income to average assets | 1.2308% | 470 |
| Noninterest expense to average assets | 2.4993% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9929% | 1,905 |
| Return on assets (ROA) | 0.9929% | 1,900 |
| Pretax return on assets | 1.2568% | 1,635 |
| Return on Equity (ROE) | 9.9637% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.9637% | 1,031 |
| Net charge-offs to loans | -0.2133% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5805% | 2,821 |
| Assets per employee ($millions) | 5.5955% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5795% | 49 |
| Loan loss allowance to noncurrent loans | 412.8829% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 1,401 |
| Noncurrent loans to loans | 1.1092% | 804 |
| Net loans and leases to total assets | 37.3711% | 4,144 |
| Net loans and leases to deposits | 41.7661% | 4,171 |
| Net loans and leases to core deposits | 45.2623% | 4,107 |
| Total domestic deposits to total assets | 89.4771% | 1,829 |
| Equity capital to assets | 9.6025% | 2,210 |
| Core capital (leverage) ratio | 10.2254% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $754,938,000 | 1,249 |
| Average earning assets | $707,442,000 | 1,246 |
| Average equity | $75,233,000 | 1,252 |
| Average total loans | $307,533,000 | 1,673 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 3,016 |
| Cost of funding earning assets | 0.2890% | 2,514 |
| Net interest margin | 3.0761% | 2,979 |
| Noninterest income to average assets | 1.2889% | 640 |
| Noninterest expense to average assets | 2.7460% | 1,492 |
| Loan and lease loss provision to assets | 0.0769% | 1,583 |
| Net operating income to assets | 1.0530% | 2,475 |
| Return on assets (ROA) | 1.0530% | 2,548 |
| Pretax return on assets | 1.3290% | 2,270 |
| Return on Equity (ROE) | 8.9440% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.4936% | 3,008 |
| Net charge-offs to loans | -0.1925% | 4,704 |
| Credit loss provision to net charge-offs | -75.4148% | 3,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3011% | 2,359 |
| Assets per employee ($millions) | 5.3475% | 3,417 |
| Cash dividends to net income (ytd only)* | 49.7590% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3149% | 58 |
| Loan loss allowance to noncurrent loans | 452.2304% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 1,617 |
| Noncurrent loans to loans | 0.9541% | 1,054 |
| Net loans and leases to total assets | 40.5292% | 4,065 |
| Net loans and leases to deposits | 45.6890% | 4,109 |
| Net loans and leases to core deposits | 50.1203% | 4,010 |
| Total domestic deposits to total assets | 88.7068% | 1,659 |
| Equity capital to assets | 10.3397% | 2,328 |
| Core capital (leverage) ratio | 10.5690% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,244,600 | 1,359 |
| Average earning assets | $605,215,600 | 1,363 |
| Average equity | $76,553,800 | 1,252 |
| Average total loans | $344,438,800 | 1,536 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 2,652 |
| Cost of funding earning assets | 0.3101% | 2,498 |
| Net interest margin | 3.2536% | 2,572 |
| Noninterest income to average assets | 1.2802% | 711 |
| Noninterest expense to average assets | 2.8004% | 1,338 |
| Loan and lease loss provision to assets | 0.1064% | 1,137 |
| Net operating income to assets | 1.1018% | 2,550 |
| Return on assets (ROA) | 1.1018% | 2,605 |
| Pretax return on assets | 1.3948% | 2,358 |
| Return on Equity (ROE) | 9.0324% | 3,098 |
| Retained earnings to average equity (ytd only) | 9.0324% | 1,676 |
| Net charge-offs to loans | -0.0925% | 4,580 |
| Credit loss provision to net charge-offs | -204.9180% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3662% | 2,338 |
| Assets per employee ($millions) | 4.8604% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9365% | 70 |
| Loan loss allowance to noncurrent loans | 399.6055% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 1,510 |
| Noncurrent loans to loans | 0.9851% | 1,167 |
| Net loans and leases to total assets | 49.3362% | 3,488 |
| Net loans and leases to deposits | 56.9200% | 3,496 |
| Net loans and leases to core deposits | 63.2949% | 3,197 |
| Total domestic deposits to total assets | 86.6764% | 2,471 |
| Equity capital to assets | 12.1168% | 1,350 |
| Core capital (leverage) ratio | 12.0640% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,981,250 | 1,416 |
| Average earning assets | $582,232,750 | 1,426 |
| Average equity | $76,478,500 | 1,272 |
| Average total loans | $351,839,000 | 1,539 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 2,676 |
| Cost of funding earning assets | 0.3222% | 2,567 |
| Net interest margin | 3.2610% | 2,579 |
| Noninterest income to average assets | 1.2581% | 741 |
| Noninterest expense to average assets | 2.7663% | 1,426 |
| Loan and lease loss provision to assets | 0.0969% | 1,300 |
| Net operating income to assets | 1.1298% | 2,437 |
| Return on assets (ROA) | 1.1298% | 2,504 |
| Pretax return on assets | 1.4303% | 2,239 |
| Return on Equity (ROE) | 9.2406% | 3,029 |
| Retained earnings to average equity (ytd only) | 9.2406% | 1,638 |
| Net charge-offs to loans | -0.1667% | 4,762 |
| Credit loss provision to net charge-offs | -100.6711% | 3,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8943% | 2,447 |
| Assets per employee ($millions) | 4.8778% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6202% | 86 |
| Loan loss allowance to noncurrent loans | 421.9054% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 1,708 |
| Noncurrent loans to loans | 0.8581% | 1,436 |
| Net loans and leases to total assets | 55.0874% | 3,003 |
| Net loans and leases to deposits | 63.5556% | 3,046 |
| Net loans and leases to core deposits | 71.0026% | 2,687 |
| Total domestic deposits to total assets | 86.6759% | 2,484 |
| Equity capital to assets | 12.2851% | 1,227 |
| Core capital (leverage) ratio | 11.9455% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,879,000 | 1,425 |
| Average earning assets | $576,083,333 | 1,430 |
| Average equity | $75,666,333 | 1,276 |
| Average total loans | $357,622,667 | 1,533 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 2,238 |
| Cost of funding earning assets | 0.3335% | 2,676 |
| Net interest margin | 3.4195% | 2,060 |
| Noninterest income to average assets | 1.1895% | 866 |
| Noninterest expense to average assets | 2.7877% | 1,394 |
| Loan and lease loss provision to assets | 0.1955% | 625 |
| Net operating income to assets | 1.0956% | 2,493 |
| Return on assets (ROA) | 1.0956% | 2,569 |
| Pretax return on assets | 1.3870% | 2,315 |
| Return on Equity (ROE) | 8.9835% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.9835% | 1,957 |
| Net charge-offs to loans | -0.0404% | 4,311 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2513% | 2,569 |
| Assets per employee ($millions) | 4.9898% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4716% | 102 |
| Loan loss allowance to noncurrent loans | 224.9471% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 993 |
| Noncurrent loans to loans | 1.5433% | 803 |
| Net loans and leases to total assets | 55.1152% | 3,137 |
| Net loans and leases to deposits | 63.2064% | 3,200 |
| Net loans and leases to core deposits | 70.5237% | 2,827 |
| Total domestic deposits to total assets | 87.1987% | 2,231 |
| Equity capital to assets | 11.7474% | 1,415 |
| Core capital (leverage) ratio | 12.1926% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $613,701,000 | 1,423 |
| Average earning assets | $570,848,000 | 1,427 |
| Average equity | $74,848,500 | 1,278 |
| Average total loans | $356,609,500 | 1,539 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,029 |
| Cost of funding earning assets | 0.5318% | 2,737 |
| Net interest margin | 3.7080% | 1,772 |
| Noninterest income to average assets | 1.1502% | 817 |
| Noninterest expense to average assets | 2.8683% | 1,762 |
| Loan and lease loss provision to assets | 0.3547% | 971 |
| Net operating income to assets | 1.0750% | 2,004 |
| Return on assets (ROA) | 1.0750% | 2,149 |
| Pretax return on assets | 1.3552% | 1,799 |
| Return on Equity (ROE) | 8.2102% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.6398% | 3,020 |
| Net charge-offs to loans | 0.3598% | 483 |
| Credit loss provision to net charge-offs | 162.4695% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.8318% | 2,660 |
| Efficiency ratio | 62.0966% | 3,111 |
| Assets per employee ($millions) | 4.3888% | 4,022 |
| Cash dividends to net income (ytd only)* | 55.6674% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5937% | 85 |
| Loan loss allowance to noncurrent loans | 350.9322% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 1,644 |
| Noncurrent loans to loans | 1.0240% | 1,389 |
| Net loans and leases to total assets | 57.0943% | 3,193 |
| Net loans and leases to deposits | 66.2334% | 3,248 |
| Net loans and leases to core deposits | 75.3864% | 2,784 |
| Total domestic deposits to total assets | 86.2017% | 2,274 |
| Equity capital to assets | 12.6913% | 1,234 |
| Core capital (leverage) ratio | 12.1676% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,810,600 | 1,413 |
| Average earning assets | $521,246,000 | 1,406 |
| Average equity | $73,822,800 | 1,239 |
| Average total loans | $342,170,000 | 1,529 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,074 |
| Cost of funding earning assets | 0.5694% | 2,810 |
| Net interest margin | 3.7393% | 1,797 |
| Noninterest income to average assets | 1.1280% | 824 |
| Noninterest expense to average assets | 2.9387% | 1,593 |
| Loan and lease loss provision to assets | 0.3221% | 1,223 |
| Net operating income to assets | 1.0457% | 2,170 |
| Return on assets (ROA) | 1.0457% | 2,294 |
| Pretax return on assets | 1.3237% | 1,961 |
| Return on Equity (ROE) | 7.9230% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.9230% | 1,330 |
| Net charge-offs to loans | 0.3797% | 417 |
| Credit loss provision to net charge-offs | 138.8889% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.0967% | 2,601 |
| Efficiency ratio | 63.5441% | 2,815 |
| Assets per employee ($millions) | 5.0966% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3449% | 102 |
| Loan loss allowance to noncurrent loans | 300.6247% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 1,795 |
| Noncurrent loans to loans | 1.1127% | 1,356 |
| Net loans and leases to total assets | 53.7098% | 3,830 |
| Net loans and leases to deposits | 61.6582% | 3,950 |
| Net loans and leases to core deposits | 69.0446% | 3,697 |
| Total domestic deposits to total assets | 87.1089% | 1,621 |
| Equity capital to assets | 11.7296% | 1,856 |
| Core capital (leverage) ratio | 12.3705% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,834,000 | 1,402 |
| Average earning assets | $516,552,750 | 1,403 |
| Average equity | $73,758,250 | 1,221 |
| Average total loans | $341,289,500 | 1,522 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,658 |
| Cost of funding earning assets | 0.6388% | 2,764 |
| Net interest margin | 3.9542% | 1,436 |
| Noninterest income to average assets | 1.1474% | 761 |
| Noninterest expense to average assets | 3.0830% | 1,392 |
| Loan and lease loss provision to assets | 0.2834% | 1,517 |
| Net operating income to assets | 1.1255% | 1,886 |
| Return on assets (ROA) | 1.1255% | 2,004 |
| Pretax return on assets | 1.4248% | 1,664 |
| Return on Equity (ROE) | 8.1575% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.1575% | 1,255 |
| Net charge-offs to loans | 0.5102% | 314 |
| Credit loss provision to net charge-offs | 87.7193% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.2877% | 2,524 |
| Efficiency ratio | 63.7883% | 2,851 |
| Assets per employee ($millions) | 4.7555% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1611% | 121 |
| Loan loss allowance to noncurrent loans | 222.8053% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 1,401 |
| Noncurrent loans to loans | 1.4188% | 1,089 |
| Net loans and leases to total assets | 59.9938% | 3,331 |
| Net loans and leases to deposits | 69.8469% | 3,432 |
| Net loans and leases to core deposits | 79.4760% | 2,988 |
| Total domestic deposits to total assets | 85.8933% | 2,065 |
| Equity capital to assets | 12.6585% | 1,307 |
| Core capital (leverage) ratio | 12.7280% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,355,667 | 1,436 |
| Average earning assets | $487,783,000 | 1,438 |
| Average equity | $73,037,000 | 1,224 |
| Average total loans | $335,160,000 | 1,533 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 708 |
| Cost of funding earning assets | 0.7584% | 2,617 |
| Net interest margin | 4.4018% | 625 |
| Noninterest income to average assets | 1.1491% | 660 |
| Noninterest expense to average assets | 3.2581% | 1,300 |
| Loan and lease loss provision to assets | 0.2404% | 1,293 |
| Net operating income to assets | 1.3438% | 1,124 |
| Return on assets (ROA) | 1.3438% | 1,213 |
| Pretax return on assets | 1.7011% | 853 |
| Return on Equity (ROE) | 9.2866% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.2866% | 901 |
| Net charge-offs to loans | 0.0750% | 1,272 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 40.3833% | 1,023 |
| Efficiency ratio | 62.1051% | 3,487 |
| Assets per employee ($millions) | 4.1678% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7546% | 89 |
| Loan loss allowance to noncurrent loans | 318.5056% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,847 |
| Noncurrent loans to loans | 1.1788% | 1,397 |
| Net loans and leases to total assets | 59.4700% | 3,547 |
| Net loans and leases to deposits | 70.6262% | 3,550 |
| Net loans and leases to core deposits | 82.3673% | 2,990 |
| Total domestic deposits to total assets | 84.2039% | 2,711 |
| Equity capital to assets | 14.3032% | 963 |
| Core capital (leverage) ratio | 14.3646% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,192,000 | 1,469 |
| Average earning assets | $459,360,500 | 1,468 |
| Average equity | $72,233,000 | 1,232 |
| Average total loans | $320,079,500 | 1,560 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 594 |
| Cost of funding earning assets | 0.7814% | 2,770 |
| Net interest margin | 4.6880% | 486 |
| Noninterest income to average assets | 1.1031% | 787 |
| Noninterest expense to average assets | 3.1671% | 1,599 |
| Loan and lease loss provision to assets | 0.2495% | 735 |
| Net operating income to assets | 1.6140% | 807 |
| Return on assets (ROA) | 1.6140% | 868 |
| Pretax return on assets | 2.0266% | 570 |
| Return on Equity (ROE) | 11.0671% | 1,855 |
| Retained earnings to average equity (ytd only) | 5.6804% | 2,040 |
| Net charge-offs to loans | 0.1599% | 1,259 |
| Credit loss provision to net charge-offs | 228.1369% | 1,171 |
| Earnings coverage of net charge-offs (x) | 20.8099% | 1,918 |
| Efficiency ratio | 58.1847% | 3,937 |
| Assets per employee ($millions) | 3.8860% | 4,042 |
| Cash dividends to net income (ytd only)* | 48.6730% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6033% | 80 |
| Loan loss allowance to noncurrent loans | 322.5298% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 1,744 |
| Noncurrent loans to loans | 1.1172% | 1,354 |
| Net loans and leases to total assets | 64.1791% | 3,176 |
| Net loans and leases to deposits | 76.3314% | 3,145 |
| Net loans and leases to core deposits | 89.4894% | 2,468 |
| Total domestic deposits to total assets | 84.0795% | 2,827 |
| Equity capital to assets | 14.6460% | 887 |
| Core capital (leverage) ratio | 14.4384% | 816 |
| Tier 1 risk-based capital ratio | 20.5088% | 1,248 |
| Total risk-based capital ratio | 21.7847% | 1,214 |
| Memoranda: | ||
| Average total assets | $480,914,600 | 1,472 |
| Average earning assets | $445,217,400 | 1,469 |
| Average equity | $70,136,000 | 1,220 |
| Average total loans | $328,915,000 | 1,503 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4811% | 603 |
| Cost of funding earning assets | 0.7685% | 2,876 |
| Net interest margin | 4.7125% | 487 |
| Noninterest income to average assets | 1.1109% | 733 |
| Noninterest expense to average assets | 3.1621% | 1,547 |
| Loan and lease loss provision to assets | 0.2501% | 653 |
| Net operating income to assets | 1.6235% | 879 |
| Return on assets (ROA) | 1.6235% | 919 |
| Pretax return on assets | 2.0598% | 602 |
| Return on Equity (ROE) | 11.1438% | 1,959 |
| Retained earnings to average equity (ytd only) | 11.1438% | 496 |
| Net charge-offs to loans | 0.0848% | 1,631 |
| Credit loss provision to net charge-offs | 428.5714% | 716 |
| Earnings coverage of net charge-offs (x) | 39.5766% | 1,380 |
| Efficiency ratio | 57.7865% | 3,968 |
| Assets per employee ($millions) | 3.9311% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5971% | 85 |
| Loan loss allowance to noncurrent loans | 328.3624% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 1,878 |
| Noncurrent loans to loans | 1.0955% | 1,452 |
| Net loans and leases to total assets | 64.1611% | 3,269 |
| Net loans and leases to deposits | 76.5894% | 3,241 |
| Net loans and leases to core deposits | 89.7533% | 2,560 |
| Total domestic deposits to total assets | 83.7729% | 2,906 |
| Equity capital to assets | 14.9870% | 849 |
| Core capital (leverage) ratio | 14.8976% | 759 |
| Tier 1 risk-based capital ratio | 22.4437% | 1,019 |
| Total risk-based capital ratio | 23.7227% | 983 |
| Memoranda: | ||
| Average total assets | $479,707,250 | 1,485 |
| Average earning assets | $443,942,000 | 1,478 |
| Average equity | $69,884,500 | 1,223 |
| Average total loans | $330,294,000 | 1,504 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 657 |
| Cost of funding earning assets | 0.7375% | 2,961 |
| Net interest margin | 4.6799% | 513 |
| Noninterest income to average assets | 1.0764% | 733 |
| Noninterest expense to average assets | 3.1648% | 1,581 |
| Loan and lease loss provision to assets | 0.2515% | 608 |
| Net operating income to assets | 1.5774% | 954 |
| Return on assets (ROA) | 1.5774% | 993 |
| Pretax return on assets | 1.9957% | 681 |
| Return on Equity (ROE) | 10.9346% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.9346% | 552 |
| Net charge-offs to loans | 0.0632% | 1,749 |
| Credit loss provision to net charge-offs | 571.4286% | 546 |
| Earnings coverage of net charge-offs (x) | 51.0571% | 1,077 |
| Efficiency ratio | 58.4773% | 3,941 |
| Assets per employee ($millions) | 4.0044% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4488% | 89 |
| Loan loss allowance to noncurrent loans | 303.9735% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,794 |
| Noncurrent loans to loans | 1.1346% | 1,435 |
| Net loans and leases to total assets | 65.7586% | 3,139 |
| Net loans and leases to deposits | 78.0385% | 3,148 |
| Net loans and leases to core deposits | 91.4941% | 2,464 |
| Total domestic deposits to total assets | 84.2644% | 2,765 |
| Equity capital to assets | 14.5218% | 943 |
| Core capital (leverage) ratio | 14.7040% | 772 |
| Tier 1 risk-based capital ratio | 21.3690% | 1,134 |
| Total risk-based capital ratio | 22.6464% | 1,110 |
| Memoranda: | ||
| Average total assets | $477,124,000 | 1,493 |
| Average earning assets | $442,015,670 | 1,489 |
| Average equity | $68,827,670 | 1,224 |
| Average total loans | $332,249,330 | 1,504 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 691 |
| Cost of funding earning assets | 0.7014% | 3,049 |
| Net interest margin | 4.6542% | 546 |
| Noninterest income to average assets | 1.1421% | 618 |
| Noninterest expense to average assets | 3.1912% | 1,516 |
| Loan and lease loss provision to assets | 0.2546% | 565 |
| Net operating income to assets | 1.5757% | 945 |
| Return on assets (ROA) | 1.5757% | 972 |
| Pretax return on assets | 2.0093% | 633 |
| Return on Equity (ROE) | 10.9607% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.9607% | 812 |
| Net charge-offs to loans | 0.0446% | 1,635 |
| Credit loss provision to net charge-offs | 810.8108% | 438 |
| Earnings coverage of net charge-offs (x) | 72.1081% | 829 |
| Efficiency ratio | 58.5005% | 4,011 |
| Assets per employee ($millions) | 3.9007% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4143% | 92 |
| Loan loss allowance to noncurrent loans | 291.7986% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 1,768 |
| Noncurrent loans to loans | 1.1701% | 1,416 |
| Net loans and leases to total assets | 65.7550% | 3,092 |
| Net loans and leases to deposits | 77.7860% | 3,084 |
| Net loans and leases to core deposits | 90.0834% | 2,492 |
| Total domestic deposits to total assets | 84.5332% | 2,839 |
| Equity capital to assets | 14.2236% | 959 |
| Core capital (leverage) ratio | 14.6533% | 776 |
| Tier 1 risk-based capital ratio | 21.1566% | 1,144 |
| Total risk-based capital ratio | 22.4339% | 1,121 |
| Memoranda: | ||
| Average total assets | $471,418,500 | 1,520 |
| Average earning assets | $436,856,000 | 1,515 |
| Average equity | $67,769,500 | 1,233 |
| Average total loans | $332,009,500 | 1,512 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 684 |
| Cost of funding earning assets | 0.5876% | 2,805 |
| Net interest margin | 4.6245% | 571 |
| Noninterest income to average assets | 1.1274% | 727 |
| Noninterest expense to average assets | 3.1718% | 1,627 |
| Loan and lease loss provision to assets | 0.2608% | 651 |
| Net operating income to assets | 1.5519% | 990 |
| Return on assets (ROA) | 1.5519% | 984 |
| Pretax return on assets | 1.9403% | 647 |
| Return on Equity (ROE) | 10.8960% | 2,127 |
| Retained earnings to average equity (ytd only) | 5.8860% | 2,245 |
| Net charge-offs to loans | 0.2181% | 882 |
| Credit loss provision to net charge-offs | 167.8322% | 1,656 |
| Earnings coverage of net charge-offs (x) | 14.1636% | 2,395 |
| Efficiency ratio | 59.0332% | 4,010 |
| Assets per employee ($millions) | 3.7330% | 4,276 |
| Cash dividends to net income (ytd only)* | 45.9804% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2799% | 100 |
| Loan loss allowance to noncurrent loans | 278.4428% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 1,581 |
| Noncurrent loans to loans | 1.1780% | 1,367 |
| Net loans and leases to total assets | 70.5104% | 2,497 |
| Net loans and leases to deposits | 83.7302% | 2,540 |
| Net loans and leases to core deposits | 97.3313% | 1,939 |
| Total domestic deposits to total assets | 84.2114% | 2,932 |
| Equity capital to assets | 14.5358% | 829 |
| Core capital (leverage) ratio | 14.4767% | 806 |
| Tier 1 risk-based capital ratio | 19.3317% | 1,442 |
| Total risk-based capital ratio | 20.6052% | 1,399 |
| Memoranda: | ||
| Average total assets | $460,087,800 | 1,515 |
| Average earning assets | $422,378,000 | 1,520 |
| Average equity | $65,528,600 | 1,228 |
| Average total loans | $327,873,600 | 1,489 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 731 |
| Cost of funding earning assets | 0.5617% | 2,776 |
| Net interest margin | 4.5556% | 660 |
| Noninterest income to average assets | 1.1125% | 760 |
| Noninterest expense to average assets | 3.1626% | 1,617 |
| Loan and lease loss provision to assets | 0.2607% | 592 |
| Net operating income to assets | 1.4717% | 1,267 |
| Return on assets (ROA) | 1.4717% | 1,269 |
| Pretax return on assets | 1.8633% | 873 |
| Return on Equity (ROE) | 10.3863% | 2,440 |
| Retained earnings to average equity (ytd only) | 10.3863% | 799 |
| Net charge-offs to loans | 0.1578% | 1,048 |
| Credit loss provision to net charge-offs | 233.1606% | 1,238 |
| Earnings coverage of net charge-offs (x) | 18.9976% | 2,028 |
| Efficiency ratio | 59.8236% | 3,838 |
| Assets per employee ($millions) | 3.7834% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3060% | 104 |
| Loan loss allowance to noncurrent loans | 292.4037% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 1,817 |
| Noncurrent loans to loans | 1.1306% | 1,502 |
| Net loans and leases to total assets | 69.7601% | 2,684 |
| Net loans and leases to deposits | 83.0056% | 2,712 |
| Net loans and leases to core deposits | 96.0027% | 2,113 |
| Total domestic deposits to total assets | 84.0427% | 2,927 |
| Equity capital to assets | 14.6869% | 785 |
| Core capital (leverage) ratio | 14.9669% | 712 |
| Tier 1 risk-based capital ratio | 19.8840% | 1,359 |
| Total risk-based capital ratio | 21.1580% | 1,319 |
| Memoranda: | ||
| Average total assets | $460,321,000 | 1,520 |
| Average earning assets | $421,774,000 | 1,529 |
| Average equity | $65,225,250 | 1,231 |
| Average total loans | $326,159,250 | 1,500 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 853 |
| Cost of funding earning assets | 0.5463% | 2,634 |
| Net interest margin | 4.4383% | 787 |
| Noninterest income to average assets | 1.1202% | 762 |
| Noninterest expense to average assets | 3.1367% | 1,701 |
| Loan and lease loss provision to assets | 0.2609% | 586 |
| Net operating income to assets | 1.4212% | 1,363 |
| Return on assets (ROA) | 1.4212% | 1,367 |
| Pretax return on assets | 1.7995% | 964 |
| Return on Equity (ROE) | 10.1537% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.1537% | 884 |
| Net charge-offs to loans | 0.1896% | 824 |
| Credit loss provision to net charge-offs | 195.4397% | 1,329 |
| Earnings coverage of net charge-offs (x) | 15.4332% | 2,041 |
| Efficiency ratio | 60.3548% | 3,892 |
| Assets per employee ($millions) | 3.8646% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3320% | 100 |
| Loan loss allowance to noncurrent loans | 272.6308% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 1,734 |
| Noncurrent loans to loans | 1.2222% | 1,417 |
| Net loans and leases to total assets | 68.0564% | 2,861 |
| Net loans and leases to deposits | 80.6249% | 2,883 |
| Net loans and leases to core deposits | 93.2107% | 2,293 |
| Total domestic deposits to total assets | 84.4111% | 2,908 |
| Equity capital to assets | 14.3555% | 848 |
| Core capital (leverage) ratio | 14.4391% | 796 |
| Tier 1 risk-based capital ratio | 19.7007% | 1,379 |
| Total risk-based capital ratio | 20.9746% | 1,346 |
| Memoranda: | ||
| Average total assets | $459,905,000 | 1,532 |
| Average earning assets | $422,461,000 | 1,539 |
| Average equity | $64,370,330 | 1,248 |
| Average total loans | $323,879,000 | 1,506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 880 |
| Cost of funding earning assets | 0.5337% | 2,521 |
| Net interest margin | 4.3598% | 836 |
| Noninterest income to average assets | 1.1211% | 743 |
| Noninterest expense to average assets | 3.0997% | 1,823 |
| Loan and lease loss provision to assets | 0.2609% | 549 |
| Net operating income to assets | 1.3985% | 1,349 |
| Return on assets (ROA) | 1.3985% | 1,354 |
| Pretax return on assets | 1.7673% | 968 |
| Return on Equity (ROE) | 10.1218% | 2,369 |
| Retained earnings to average equity (ytd only) | 10.1218% | 1,123 |
| Net charge-offs to loans | 0.2889% | 531 |
| Credit loss provision to net charge-offs | 128.2051% | 1,348 |
| Earnings coverage of net charge-offs (x) | 9.9658% | 1,930 |
| Efficiency ratio | 60.4478% | 4,009 |
| Assets per employee ($millions) | 3.8492% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2773% | 113 |
| Loan loss allowance to noncurrent loans | 252.5951% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 1,715 |
| Noncurrent loans to loans | 1.2975% | 1,383 |
| Net loans and leases to total assets | 68.0439% | 2,765 |
| Net loans and leases to deposits | 80.2510% | 2,781 |
| Net loans and leases to core deposits | 92.6183% | 2,250 |
| Total domestic deposits to total assets | 84.7889% | 3,006 |
| Equity capital to assets | 14.0442% | 882 |
| Core capital (leverage) ratio | 14.1092% | 852 |
| Tier 1 risk-based capital ratio | 19.2567% | 1,489 |
| Total risk-based capital ratio | 20.5300% | 1,445 |
| Memoranda: | ||
| Average total assets | $459,914,500 | 1,539 |
| Average earning assets | $422,683,000 | 1,544 |
| Average equity | $63,546,000 | 1,264 |
| Average total loans | $323,933,500 | 1,509 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 982 |
| Cost of funding earning assets | 0.4210% | 3,044 |
| Net interest margin | 4.3751% | 817 |
| Noninterest income to average assets | 1.1922% | 730 |
| Noninterest expense to average assets | 3.0748% | 1,936 |
| Loan and lease loss provision to assets | 0.3045% | 565 |
| Net operating income to assets | 0.8437% | 2,977 |
| Return on assets (ROA) | 0.8437% | 3,004 |
| Pretax return on assets | 1.8162% | 763 |
| Return on Equity (ROE) | 6.1034% | 3,719 |
| Retained earnings to average equity (ytd only) | 1.8519% | 4,207 |
| Net charge-offs to loans | 0.3796% | 667 |
| Credit loss provision to net charge-offs | 115.7025% | 2,268 |
| Earnings coverage of net charge-offs (x) | 8.0579% | 2,962 |
| Efficiency ratio | 59.1811% | 4,386 |
| Assets per employee ($millions) | 3.8804% | 4,142 |
| Cash dividends to net income (ytd only)* | 69.6571% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2230% | 111 |
| Loan loss allowance to noncurrent loans | 248.1087% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 1,664 |
| Noncurrent loans to loans | 1.2990% | 1,346 |
| Net loans and leases to total assets | 68.2439% | 2,789 |
| Net loans and leases to deposits | 79.9927% | 2,921 |
| Net loans and leases to core deposits | 92.2069% | 2,364 |
| Total domestic deposits to total assets | 85.3126% | 2,720 |
| Equity capital to assets | 13.5914% | 1,025 |
| Core capital (leverage) ratio | 13.6962% | 910 |
| Tier 1 risk-based capital ratio | 18.4855% | 1,657 |
| Total risk-based capital ratio | 19.7580% | 1,603 |
| Memoranda: | ||
| Average total assets | $459,744,200 | 1,515 |
| Average earning assets | $420,672,400 | 1,529 |
| Average equity | $63,555,200 | 1,246 |
| Average total loans | $318,736,200 | 1,487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 1,027 |
| Cost of funding earning assets | 0.3991% | 3,202 |
| Net interest margin | 4.3518% | 819 |
| Noninterest income to average assets | 1.2142% | 710 |
| Noninterest expense to average assets | 3.0676% | 1,896 |
| Loan and lease loss provision to assets | 0.2903% | 546 |
| Net operating income to assets | 1.2095% | 1,654 |
| Return on assets (ROA) | 1.2095% | 1,686 |
| Pretax return on assets | 1.8326% | 813 |
| Return on Equity (ROE) | 8.7125% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.7125% | 943 |
| Net charge-offs to loans | 0.0564% | 2,328 |
| Credit loss provision to net charge-offs | 746.2687% | 464 |
| Earnings coverage of net charge-offs (x) | 54.5678% | 1,054 |
| Efficiency ratio | 59.1006% | 4,338 |
| Assets per employee ($millions) | 3.8388% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4712% | 96 |
| Loan loss allowance to noncurrent loans | 270.8778% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 1,865 |
| Noncurrent loans to loans | 1.2814% | 1,493 |
| Net loans and leases to total assets | 68.0034% | 2,845 |
| Net loans and leases to deposits | 80.5748% | 2,910 |
| Net loans and leases to core deposits | 92.8323% | 2,367 |
| Total domestic deposits to total assets | 84.3979% | 2,957 |
| Equity capital to assets | 14.4313% | 876 |
| Core capital (leverage) ratio | 14.3039% | 816 |
| Tier 1 risk-based capital ratio | 19.5506% | 1,465 |
| Total risk-based capital ratio | 20.8259% | 1,428 |
| Memoranda: | ||
| Average total assets | $459,238,000 | 1,527 |
| Average earning assets | $419,614,250 | 1,549 |
| Average equity | $63,753,750 | 1,246 |
| Average total loans | $317,014,250 | 1,503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,128 |
| Cost of funding earning assets | 0.3701% | 3,379 |
| Net interest margin | 4.2965% | 874 |
| Noninterest income to average assets | 1.2134% | 701 |
| Noninterest expense to average assets | 3.0493% | 1,980 |
| Loan and lease loss provision to assets | 0.2608% | 630 |
| Net operating income to assets | 1.2042% | 1,583 |
| Return on assets (ROA) | 1.2042% | 1,618 |
| Pretax return on assets | 1.8242% | 790 |
| Return on Equity (ROE) | 8.7895% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.7895% | 903 |
| Net charge-offs to loans | 0.1053% | 1,579 |
| Credit loss provision to net charge-offs | 361.4458% | 847 |
| Earnings coverage of net charge-offs (x) | 28.8916% | 1,493 |
| Efficiency ratio | 59.3903% | 4,410 |
| Assets per employee ($millions) | 3.7632% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3986% | 112 |
| Loan loss allowance to noncurrent loans | 362.1585% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 2,051 |
| Noncurrent loans to loans | 0.9384% | 2,091 |
| Net loans and leases to total assets | 67.0293% | 2,947 |
| Net loans and leases to deposits | 79.1549% | 3,007 |
| Net loans and leases to core deposits | 90.7557% | 2,456 |
| Total domestic deposits to total assets | 84.6813% | 2,945 |
| Equity capital to assets | 14.1667% | 911 |
| Core capital (leverage) ratio | 14.0011% | 865 |
| Tier 1 risk-based capital ratio | 19.2741% | 1,525 |
| Total risk-based capital ratio | 20.5480% | 1,466 |
| Memoranda: | ||
| Average total assets | $460,044,670 | 1,528 |
| Average earning assets | $419,834,330 | 1,549 |
| Average equity | $63,030,000 | 1,261 |
| Average total loans | $315,411,330 | 1,505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 1,292 |
| Cost of funding earning assets | 0.3414% | 3,620 |
| Net interest margin | 4.1929% | 1,006 |
| Noninterest income to average assets | 1.2094% | 702 |
| Noninterest expense to average assets | 2.9940% | 2,178 |
| Loan and lease loss provision to assets | 0.2509% | 597 |
| Net operating income to assets | 1.1877% | 1,533 |
| Return on assets (ROA) | 1.1877% | 1,576 |
| Pretax return on assets | 1.7993% | 804 |
| Return on Equity (ROE) | 8.8166% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.8166% | 1,138 |
| Net charge-offs to loans | 0.1929% | 892 |
| Credit loss provision to net charge-offs | 190.7895% | 1,039 |
| Earnings coverage of net charge-offs (x) | 15.5921% | 1,667 |
| Efficiency ratio | 59.3552% | 4,552 |
| Assets per employee ($millions) | 3.7888% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3061% | 132 |
| Loan loss allowance to noncurrent loans | 272.3077% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,098 |
| Noncurrent loans to loans | 1.2141% | 1,672 |
| Net loans and leases to total assets | 65.0123% | 3,116 |
| Net loans and leases to deposits | 76.0831% | 3,189 |
| Net loans and leases to core deposits | 86.7842% | 2,660 |
| Total domestic deposits to total assets | 85.4491% | 2,903 |
| Equity capital to assets | 13.4215% | 1,101 |
| Core capital (leverage) ratio | 13.6234% | 937 |
| Tier 1 risk-based capital ratio | 18.7865% | 1,666 |
| Total risk-based capital ratio | 20.0592% | 1,614 |
| Memoranda: | ||
| Average total assets | $462,395,000 | 1,525 |
| Average earning assets | $422,907,500 | 1,552 |
| Average equity | $62,291,500 | 1,274 |
| Average total loans | $315,141,000 | 1,511 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 1,432 |
| Cost of funding earning assets | 0.2977% | 4,090 |
| Net interest margin | 4.2380% | 1,038 |
| Noninterest income to average assets | 1.1309% | 893 |
| Noninterest expense to average assets | 3.0508% | 2,178 |
| Loan and lease loss provision to assets | 0.2180% | 1,015 |
| Net operating income to assets | 1.1883% | 1,547 |
| Return on assets (ROA) | 1.1882% | 1,639 |
| Pretax return on assets | 1.7469% | 897 |
| Return on Equity (ROE) | 8.8763% | 2,483 |
| Retained earnings to average equity (ytd only) | 1.5893% | 4,621 |
| Net charge-offs to loans | 0.3883% | 690 |
| Credit loss provision to net charge-offs | 84.1043% | 2,909 |
| Earnings coverage of net charge-offs (x) | 7.5820% | 3,001 |
| Efficiency ratio | 60.4667% | 4,512 |
| Assets per employee ($millions) | 3.7602% | 4,380 |
| Cash dividends to net income (ytd only)* | 82.0950% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2776% | 129 |
| Loan loss allowance to noncurrent loans | 293.0887% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 2,417 |
| Noncurrent loans to loans | 1.1183% | 1,848 |
| Net loans and leases to total assets | 66.8380% | 2,953 |
| Net loans and leases to deposits | 78.2395% | 3,072 |
| Net loans and leases to core deposits | 88.5740% | 2,622 |
| Total domestic deposits to total assets | 85.4274% | 2,867 |
| Equity capital to assets | 13.5231% | 1,039 |
| Core capital (leverage) ratio | 13.3777% | 1,012 |
| Tier 1 risk-based capital ratio | 18.4954% | 1,731 |
| Total risk-based capital ratio | 19.7679% | 1,687 |
| Memoranda: | ||
| Average total assets | $458,768,200 | 1,485 |
| Average earning assets | $420,549,800 | 1,498 |
| Average equity | $61,410,600 | 1,272 |
| Average total loans | $306,202,800 | 1,494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,550 |
| Cost of funding earning assets | 0.2951% | 4,155 |
| Net interest margin | 4.2019% | 1,112 |
| Noninterest income to average assets | 1.1082% | 925 |
| Noninterest expense to average assets | 3.0511% | 2,160 |
| Loan and lease loss provision to assets | 0.0928% | 2,370 |
| Net operating income to assets | 1.1992% | 1,651 |
| Return on assets (ROA) | 1.1990% | 1,737 |
| Pretax return on assets | 1.8164% | 872 |
| Return on Equity (ROE) | 8.9797% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.3791% | 3,219 |
| Net charge-offs to loans | 0.0232% | 3,218 |
| Credit loss provision to net charge-offs | 603.7736% | 612 |
| Earnings coverage of net charge-offs (x) | 124.2351% | 559 |
| Efficiency ratio | 61.0267% | 4,387 |
| Assets per employee ($millions) | 3.5930% | 4,653 |
| Cash dividends to net income (ytd only)* | 51.2337% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4607% | 121 |
| Loan loss allowance to noncurrent loans | 248.0065% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 2,140 |
| Noncurrent loans to loans | 1.3954% | 1,579 |
| Net loans and leases to total assets | 66.8388% | 2,978 |
| Net loans and leases to deposits | 78.7298% | 3,110 |
| Net loans and leases to core deposits | 89.2920% | 2,644 |
| Total domestic deposits to total assets | 84.8964% | 2,852 |
| Equity capital to assets | 14.0057% | 1,026 |
| Core capital (leverage) ratio | 13.7838% | 916 |
| Tier 1 risk-based capital ratio | 19.0228% | 1,667 |
| Total risk-based capital ratio | 20.2975% | 1,616 |
| Memoranda: | ||
| Average total assets | $459,714,000 | 1,485 |
| Average earning assets | $421,481,500 | 1,497 |
| Average equity | $61,381,250 | 1,278 |
| Average total loans | $304,151,500 | 1,506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 1,783 |
| Cost of funding earning assets | 0.2902% | 4,247 |
| Net interest margin | 4.1254% | 1,311 |
| Noninterest income to average assets | 1.1165% | 901 |
| Noninterest expense to average assets | 3.0265% | 2,259 |
| Loan and lease loss provision to assets | 0.0432% | 3,282 |
| Net operating income to assets | 1.2106% | 1,560 |
| Return on assets (ROA) | 1.2106% | 1,659 |
| Pretax return on assets | 1.8340% | 813 |
| Return on Equity (ROE) | 9.2125% | 2,397 |
| Retained earnings to average equity (ytd only) | 2.2506% | 4,444 |
| Net charge-offs to loans | -0.1577% | 5,756 |
| Credit loss provision to net charge-offs | -42.0168% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9967% | 4,514 |
| Assets per employee ($millions) | 3.6743% | 4,484 |
| Cash dividends to net income (ytd only)* | 75.5706% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5590% | 116 |
| Loan loss allowance to noncurrent loans | 271.6148% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 2,408 |
| Noncurrent loans to loans | 1.3103% | 1,724 |
| Net loans and leases to total assets | 64.4239% | 3,302 |
| Net loans and leases to deposits | 75.4227% | 3,446 |
| Net loans and leases to core deposits | 85.3127% | 2,958 |
| Total domestic deposits to total assets | 85.4172% | 2,679 |
| Equity capital to assets | 13.5368% | 1,222 |
| Core capital (leverage) ratio | 13.3890% | 1,020 |
| Tier 1 risk-based capital ratio | 18.7180% | 1,755 |
| Total risk-based capital ratio | 19.9930% | 1,710 |
| Memoranda: | ||
| Average total assets | $463,244,000 | 1,483 |
| Average earning assets | $425,266,330 | 1,491 |
| Average equity | $60,874,000 | 1,287 |
| Average total loans | $301,885,330 | 1,516 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 2,009 |
| Cost of funding earning assets | 0.2904% | 4,275 |
| Net interest margin | 4.0465% | 1,490 |
| Noninterest income to average assets | 1.1202% | 870 |
| Noninterest expense to average assets | 2.9607% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2350% | 1,438 |
| Return on assets (ROA) | 1.2350% | 1,546 |
| Pretax return on assets | 1.8713% | 735 |
| Return on Equity (ROE) | 9.5381% | 2,184 |
| Retained earnings to average equity (ytd only) | -4.4714% | 5,580 |
| Net charge-offs to loans | -0.2541% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5459% | 4,672 |
| Assets per employee ($millions) | 3.7449% | 4,404 |
| Cash dividends to net income (ytd only)* | 146.8793% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5715% | 123 |
| Loan loss allowance to noncurrent loans | 297.7982% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 2,749 |
| Noncurrent loans to loans | 1.1993% | 2,025 |
| Net loans and leases to total assets | 61.6277% | 3,577 |
| Net loans and leases to deposits | 71.6663% | 3,683 |
| Net loans and leases to core deposits | 80.5327% | 3,281 |
| Total domestic deposits to total assets | 85.9926% | 2,675 |
| Equity capital to assets | 12.8538% | 1,482 |
| Core capital (leverage) ratio | 12.8021% | 1,238 |
| Tier 1 risk-based capital ratio | 18.5422% | 1,845 |
| Total risk-based capital ratio | 19.8173% | 1,793 |
| Memoranda: | ||
| Average total assets | $467,057,000 | 1,468 |
| Average earning assets | $428,423,500 | 1,484 |
| Average equity | $60,473,000 | 1,291 |
| Average total loans | $300,648,500 | 1,518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,330 |
| Cost of funding earning assets | 0.2856% | 4,410 |
| Net interest margin | 3.9813% | 1,779 |
| Noninterest income to average assets | 1.2181% | 806 |
| Noninterest expense to average assets | 3.0078% | 2,516 |
| Loan and lease loss provision to assets | 0.0744% | 2,782 |
| Net operating income to assets | 1.1986% | 1,556 |
| Return on assets (ROA) | 1.1986% | 1,628 |
| Pretax return on assets | 1.7771% | 840 |
| Return on Equity (ROE) | 9.7201% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.7201% | 502 |
| Net charge-offs to loans | 0.0845% | 2,628 |
| Credit loss provision to net charge-offs | 141.7004% | 1,855 |
| Earnings coverage of net charge-offs (x) | 35.2429% | 1,293 |
| Efficiency ratio | 61.1792% | 4,736 |
| Assets per employee ($millions) | 3.7581% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4734% | 131 |
| Loan loss allowance to noncurrent loans | 546.8473% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,903 |
| Noncurrent loans to loans | 0.6352% | 3,280 |
| Net loans and leases to total assets | 62.5815% | 3,480 |
| Net loans and leases to deposits | 72.7898% | 3,638 |
| Net loans and leases to core deposits | 82.4402% | 3,098 |
| Total domestic deposits to total assets | 85.9757% | 2,650 |
| Equity capital to assets | 13.0419% | 1,325 |
| Core capital (leverage) ratio | 12.6790% | 1,273 |
| Tier 1 risk-based capital ratio | 18.5904% | 1,811 |
| Total risk-based capital ratio | 19.8644% | 1,751 |
| Memoranda: | ||
| Average total assets | $470,146,600 | 1,432 |
| Average earning assets | $429,986,800 | 1,453 |
| Average equity | $57,972,800 | 1,297 |
| Average total loans | $292,331,800 | 1,495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,532 |
| Cost of funding earning assets | 0.2851% | 4,503 |
| Net interest margin | 3.9272% | 1,940 |
| Noninterest income to average assets | 1.2377% | 788 |
| Noninterest expense to average assets | 2.9502% | 2,675 |
| Loan and lease loss provision to assets | 0.0990% | 2,199 |
| Net operating income to assets | 1.1712% | 1,747 |
| Return on assets (ROA) | 1.1712% | 1,820 |
| Pretax return on assets | 1.7745% | 942 |
| Return on Equity (ROE) | 9.6357% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.6357% | 703 |
| Net charge-offs to loans | 0.0892% | 2,275 |
| Credit loss provision to net charge-offs | 180.4124% | 1,463 |
| Earnings coverage of net charge-offs (x) | 34.1289% | 1,374 |
| Efficiency ratio | 60.4388% | 4,824 |
| Assets per employee ($millions) | 3.9024% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5502% | 135 |
| Loan loss allowance to noncurrent loans | 552.4882% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 4,094 |
| Noncurrent loans to loans | 0.6426% | 3,394 |
| Net loans and leases to total assets | 60.6814% | 3,780 |
| Net loans and leases to deposits | 70.2498% | 3,954 |
| Net loans and leases to core deposits | 78.1708% | 3,597 |
| Total domestic deposits to total assets | 86.3794% | 2,342 |
| Equity capital to assets | 12.5783% | 1,700 |
| Core capital (leverage) ratio | 12.5340% | 1,395 |
| Tier 1 risk-based capital ratio | 17.9984% | 2,027 |
| Total risk-based capital ratio | 19.2723% | 1,989 |
| Memoranda: | ||
| Average total assets | $471,182,000 | 1,441 |
| Average earning assets | $430,251,750 | 1,451 |
| Average equity | $57,272,000 | 1,315 |
| Average total loans | $289,883,000 | 1,508 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,740 |
| Cost of funding earning assets | 0.2860% | 4,551 |
| Net interest margin | 3.8579% | 2,114 |
| Noninterest income to average assets | 1.2726% | 754 |
| Noninterest expense to average assets | 2.9428% | 2,739 |
| Loan and lease loss provision to assets | 0.1274% | 1,745 |
| Net operating income to assets | 1.1354% | 1,823 |
| Return on assets (ROA) | 1.1354% | 1,903 |
| Pretax return on assets | 1.7199% | 1,045 |
| Return on Equity (ROE) | 9.4511% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.4511% | 794 |
| Net charge-offs to loans | 0.0821% | 2,232 |
| Credit loss provision to net charge-offs | 254.2373% | 1,041 |
| Earnings coverage of net charge-offs (x) | 36.8559% | 1,189 |
| Efficiency ratio | 60.7076% | 4,876 |
| Assets per employee ($millions) | 3.8718% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6813% | 139 |
| Loan loss allowance to noncurrent loans | 377.0685% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 3,603 |
| Noncurrent loans to loans | 0.9763% | 2,696 |
| Net loans and leases to total assets | 58.0889% | 4,092 |
| Net loans and leases to deposits | 66.8428% | 4,242 |
| Net loans and leases to core deposits | 74.4291% | 3,915 |
| Total domestic deposits to total assets | 86.9037% | 2,216 |
| Equity capital to assets | 12.1560% | 1,914 |
| Core capital (leverage) ratio | 12.2495% | 1,511 |
| Tier 1 risk-based capital ratio | 18.1315% | 2,029 |
| Total risk-based capital ratio | 19.4069% | 1,981 |
| Memoranda: | ||
| Average total assets | $470,844,000 | 1,446 |
| Average earning assets | $429,301,670 | 1,462 |
| Average equity | $56,564,670 | 1,340 |
| Average total loans | $287,483,330 | 1,528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,649 |
| Cost of funding earning assets | 0.2871% | 4,587 |
| Net interest margin | 3.8579% | 2,037 |
| Noninterest income to average assets | 1.2193% | 758 |
| Noninterest expense to average assets | 2.9426% | 2,769 |
| Loan and lease loss provision to assets | 0.1282% | 1,622 |
| Net operating income to assets | 1.0971% | 1,884 |
| Return on assets (ROA) | 1.0971% | 1,992 |
| Pretax return on assets | 1.6619% | 1,132 |
| Return on Equity (ROE) | 9.1875% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.1875% | 1,133 |
| Net charge-offs to loans | 0.0209% | 2,727 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 379 |
| Efficiency ratio | 61.4371% | 4,888 |
| Assets per employee ($millions) | 3.7999% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7086% | 151 |
| Loan loss allowance to noncurrent loans | 455.8250% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 4,033 |
| Noncurrent loans to loans | 0.8136% | 3,213 |
| Net loans and leases to total assets | 57.0766% | 4,081 |
| Net loans and leases to deposits | 65.4976% | 4,198 |
| Net loans and leases to core deposits | 73.1641% | 3,854 |
| Total domestic deposits to total assets | 87.1430% | 2,296 |
| Equity capital to assets | 11.8114% | 2,181 |
| Core capital (leverage) ratio | 12.0401% | 1,619 |
| Tier 1 risk-based capital ratio | 17.9237% | 2,160 |
| Total risk-based capital ratio | 19.1994% | 2,108 |
| Memoranda: | ||
| Average total assets | $468,152,500 | 1,457 |
| Average earning assets | $426,345,000 | 1,481 |
| Average equity | $55,902,000 | 1,363 |
| Average total loans | $287,621,000 | 1,524 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,926 |
| Cost of funding earning assets | 0.3092% | 4,699 |
| Net interest margin | 4.1775% | 1,362 |
| Noninterest income to average assets | 1.2528% | 773 |
| Noninterest expense to average assets | 3.0415% | 2,720 |
| Loan and lease loss provision to assets | 0.1550% | 1,693 |
| Net operating income to assets | 1.2362% | 1,478 |
| Return on assets (ROA) | 1.2362% | 1,528 |
| Pretax return on assets | 1.8290% | 750 |
| Return on Equity (ROE) | 10.3097% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.3904% | 1,716 |
| Net charge-offs to loans | 0.2199% | 1,906 |
| Credit loss provision to net charge-offs | 111.4650% | 2,140 |
| Earnings coverage of net charge-offs (x) | 14.2659% | 2,180 |
| Efficiency ratio | 59.7982% | 5,249 |
| Assets per employee ($millions) | 3.6602% | 4,606 |
| Cash dividends to net income (ytd only)* | 38.0150% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5654% | 176 |
| Loan loss allowance to noncurrent loans | 410.8739% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,876 |
| Noncurrent loans to loans | 0.8677% | 3,147 |
| Net loans and leases to total assets | 61.4294% | 3,585 |
| Net loans and leases to deposits | 70.6252% | 3,826 |
| Net loans and leases to core deposits | 78.8421% | 3,428 |
| Total domestic deposits to total assets | 86.9794% | 2,301 |
| Equity capital to assets | 12.0766% | 1,958 |
| Core capital (leverage) ratio | 11.8745% | 1,716 |
| Tier 1 risk-based capital ratio | 17.9055% | 2,171 |
| Total risk-based capital ratio | 19.1442% | 2,138 |
| Memoranda: | ||
| Average total assets | $451,549,600 | 1,472 |
| Average earning assets | $407,802,000 | 1,502 |
| Average equity | $54,143,400 | 1,346 |
| Average total loans | $285,601,400 | 1,492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,917 |
| Cost of funding earning assets | 0.3121% | 4,758 |
| Net interest margin | 4.1760% | 1,360 |
| Noninterest income to average assets | 1.2549% | 768 |
| Noninterest expense to average assets | 3.0289% | 2,706 |
| Loan and lease loss provision to assets | 0.1629% | 1,526 |
| Net operating income to assets | 1.2043% | 1,666 |
| Return on assets (ROA) | 1.2043% | 1,731 |
| Pretax return on assets | 1.8246% | 843 |
| Return on Equity (ROE) | 10.0617% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.0617% | 689 |
| Net charge-offs to loans | 0.1220% | 2,594 |
| Credit loss provision to net charge-offs | 211.5385% | 1,219 |
| Earnings coverage of net charge-offs (x) | 25.8037% | 1,500 |
| Efficiency ratio | 59.6527% | 5,234 |
| Assets per employee ($millions) | 3.6039% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6757% | 203 |
| Loan loss allowance to noncurrent loans | 447.4483% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 4,312 |
| Noncurrent loans to loans | 0.8215% | 3,520 |
| Net loans and leases to total assets | 60.7424% | 3,667 |
| Net loans and leases to deposits | 69.9984% | 3,913 |
| Net loans and leases to core deposits | 78.0488% | 3,530 |
| Total domestic deposits to total assets | 86.7768% | 2,429 |
| Equity capital to assets | 12.2155% | 1,895 |
| Core capital (leverage) ratio | 12.2497% | 1,545 |
| Tier 1 risk-based capital ratio | 18.0802% | 2,192 |
| Total risk-based capital ratio | 19.3573% | 2,138 |
| Memoranda: | ||
| Average total assets | $450,056,500 | 1,486 |
| Average earning assets | $405,386,500 | 1,518 |
| Average equity | $53,866,000 | 1,364 |
| Average total loans | $284,140,750 | 1,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,889 |
| Cost of funding earning assets | 0.3120% | 4,854 |
| Net interest margin | 4.1706% | 1,315 |
| Noninterest income to average assets | 1.2885% | 711 |
| Noninterest expense to average assets | 3.0623% | 2,619 |
| Loan and lease loss provision to assets | 0.1788% | 1,372 |
| Net operating income to assets | 1.1955% | 1,604 |
| Return on assets (ROA) | 1.1955% | 1,669 |
| Pretax return on assets | 1.8114% | 824 |
| Return on Equity (ROE) | 10.0593% | 2,123 |
| Retained earnings to average equity (ytd only) | 10.0593% | 702 |
| Net charge-offs to loans | 0.1090% | 2,580 |
| Credit loss provision to net charge-offs | 259.7403% | 966 |
| Earnings coverage of net charge-offs (x) | 28.9156% | 1,289 |
| Efficiency ratio | 59.8850% | 5,309 |
| Assets per employee ($millions) | 3.5758% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6627% | 220 |
| Loan loss allowance to noncurrent loans | 436.5702% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 4,336 |
| Noncurrent loans to loans | 0.8390% | 3,611 |
| Net loans and leases to total assets | 60.7133% | 3,604 |
| Net loans and leases to deposits | 69.6877% | 3,861 |
| Net loans and leases to core deposits | 77.5828% | 3,488 |
| Total domestic deposits to total assets | 87.1220% | 2,387 |
| Equity capital to assets | 11.9168% | 2,051 |
| Core capital (leverage) ratio | 12.0495% | 1,626 |
| Tier 1 risk-based capital ratio | 17.9956% | 2,244 |
| Total risk-based capital ratio | 19.2737% | 2,202 |
| Memoranda: | ||
| Average total assets | $447,509,670 | 1,491 |
| Average earning assets | $403,872,670 | 1,518 |
| Average equity | $53,184,670 | 1,370 |
| Average total loans | $282,646,000 | 1,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,289 |
| Cost of funding earning assets | 0.3138% | 4,932 |
| Net interest margin | 4.0488% | 1,605 |
| Noninterest income to average assets | 1.3227% | 654 |
| Noninterest expense to average assets | 3.0587% | 2,663 |
| Loan and lease loss provision to assets | 0.2260% | 985 |
| Net operating income to assets | 1.1229% | 1,725 |
| Return on assets (ROA) | 1.1229% | 1,789 |
| Pretax return on assets | 1.7007% | 975 |
| Return on Equity (ROE) | 9.4619% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.4619% | 1,120 |
| Net charge-offs to loans | 0.1315% | 1,924 |
| Credit loss provision to net charge-offs | 271.7391% | 850 |
| Earnings coverage of net charge-offs (x) | 23.1630% | 1,221 |
| Efficiency ratio | 60.6094% | 5,319 |
| Assets per employee ($millions) | 3.5614% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7196% | 230 |
| Loan loss allowance to noncurrent loans | 470.6649% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 4,613 |
| Noncurrent loans to loans | 0.7903% | 3,892 |
| Net loans and leases to total assets | 59.9590% | 3,566 |
| Net loans and leases to deposits | 68.7513% | 3,768 |
| Net loans and leases to core deposits | 76.6661% | 3,347 |
| Total domestic deposits to total assets | 87.2114% | 2,696 |
| Equity capital to assets | 11.7433% | 2,062 |
| Core capital (leverage) ratio | 12.0432% | 1,629 |
| Tier 1 risk-based capital ratio | 17.9886% | 2,301 |
| Total risk-based capital ratio | 19.2675% | 2,267 |
| Memoranda: | ||
| Average total assets | $442,416,000 | 1,515 |
| Average earning assets | $400,222,000 | 1,535 |
| Average equity | $52,505,500 | 1,378 |
| Average total loans | $279,745,000 | 1,531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 2,090 |
| Cost of funding earning assets | 0.3408% | 5,231 |
| Net interest margin | 4.1905% | 1,379 |
| Noninterest income to average assets | 1.2064% | 970 |
| Noninterest expense to average assets | 3.0760% | 2,819 |
| Loan and lease loss provision to assets | 0.1151% | 2,887 |
| Net operating income to assets | 1.2260% | 1,464 |
| Return on assets (ROA) | 1.2260% | 1,531 |
| Pretax return on assets | 1.8059% | 749 |
| Return on Equity (ROE) | 10.4743% | 1,931 |
| Retained earnings to average equity (ytd only) | 6.4852% | 1,694 |
| Net charge-offs to loans | 0.0529% | 4,484 |
| Credit loss provision to net charge-offs | 344.8276% | 659 |
| Earnings coverage of net charge-offs (x) | 57.5448% | 712 |
| Efficiency ratio | 60.8017% | 5,376 |
| Assets per employee ($millions) | 3.4328% | 5,016 |
| Cash dividends to net income (ytd only)* | 38.0845% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7143% | 241 |
| Loan loss allowance to noncurrent loans | 655.5909% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 5,166 |
| Noncurrent loans to loans | 0.5666% | 4,572 |
| Net loans and leases to total assets | 61.8450% | 3,389 |
| Net loans and leases to deposits | 71.0874% | 3,646 |
| Net loans and leases to core deposits | 79.2287% | 3,215 |
| Total domestic deposits to total assets | 86.9986% | 2,725 |
| Equity capital to assets | 11.9982% | 1,809 |
| Core capital (leverage) ratio | 11.7266% | 1,807 |
| Tier 1 risk-based capital ratio | 17.7755% | 2,316 |
| Total risk-based capital ratio | 19.0542% | 2,277 |
| Memoranda: | ||
| Average total assets | $434,357,000 | 1,522 |
| Average earning assets | $392,917,000 | 1,537 |
| Average equity | $50,838,800 | 1,396 |
| Average total loans | $274,326,200 | 1,537 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 2,107 |
| Cost of funding earning assets | 0.3444% | 5,346 |
| Net interest margin | 4.1893% | 1,369 |
| Noninterest income to average assets | 1.2045% | 1,003 |
| Noninterest expense to average assets | 3.0369% | 2,866 |
| Loan and lease loss provision to assets | 0.1073% | 2,968 |
| Net operating income to assets | 1.2210% | 1,560 |
| Return on assets (ROA) | 1.2210% | 1,635 |
| Pretax return on assets | 1.8499% | 801 |
| Return on Equity (ROE) | 10.4978% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.4978% | 684 |
| Net charge-offs to loans | -0.0107% | 5,904 |
| Credit loss provision to net charge-offs | -1,590.9091% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0540% | 5,427 |
| Assets per employee ($millions) | 3.4875% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7312% | 281 |
| Loan loss allowance to noncurrent loans | 639.6040% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 5,276 |
| Noncurrent loans to loans | 0.5834% | 4,744 |
| Net loans and leases to total assets | 62.1687% | 3,330 |
| Net loans and leases to deposits | 71.7358% | 3,542 |
| Net loans and leases to core deposits | 79.6647% | 3,159 |
| Total domestic deposits to total assets | 86.6634% | 2,880 |
| Equity capital to assets | 12.2587% | 1,740 |
| Core capital (leverage) ratio | 12.1411% | 1,593 |
| Tier 1 risk-based capital ratio | 17.9648% | 2,340 |
| Total risk-based capital ratio | 19.2059% | 2,308 |
| Memoranda: | ||
| Average total assets | $434,813,500 | 1,533 |
| Average earning assets | $393,346,000 | 1,549 |
| Average equity | $50,574,500 | 1,413 |
| Average total loans | $273,453,250 | 1,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 2,473 |
| Cost of funding earning assets | 0.3470% | 5,435 |
| Net interest margin | 4.0781% | 1,604 |
| Noninterest income to average assets | 1.1704% | 1,108 |
| Noninterest expense to average assets | 3.0048% | 2,986 |
| Loan and lease loss provision to assets | 0.0916% | 3,259 |
| Net operating income to assets | 1.1691% | 1,673 |
| Return on assets (ROA) | 1.1691% | 1,782 |
| Pretax return on assets | 1.7717% | 979 |
| Return on Equity (ROE) | 10.2316% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.2316% | 797 |
| Net charge-offs to loans | -0.0881% | 6,468 |
| Credit loss provision to net charge-offs | -166.6667% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9538% | 5,339 |
| Assets per employee ($millions) | 3.4436% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7279% | 311 |
| Loan loss allowance to noncurrent loans | 542.1191% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 4,745 |
| Noncurrent loans to loans | 0.6877% | 4,562 |
| Net loans and leases to total assets | 61.6993% | 3,353 |
| Net loans and leases to deposits | 70.8161% | 3,614 |
| Net loans and leases to core deposits | 78.6497% | 3,206 |
| Total domestic deposits to total assets | 87.1261% | 2,745 |
| Equity capital to assets | 11.8815% | 1,988 |
| Core capital (leverage) ratio | 11.6960% | 1,803 |
| Tier 1 risk-based capital ratio | 17.9165% | 2,338 |
| Total risk-based capital ratio | 19.1963% | 2,299 |
| Memoranda: | ||
| Average total assets | $436,764,000 | 1,523 |
| Average earning assets | $396,018,330 | 1,537 |
| Average equity | $49,904,330 | 1,436 |
| Average total loans | $272,265,670 | 1,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 2,630 |
| Cost of funding earning assets | 0.3525% | 5,511 |
| Net interest margin | 4.0150% | 1,728 |
| Noninterest income to average assets | 1.0875% | 1,245 |
| Noninterest expense to average assets | 2.9432% | 3,183 |
| Loan and lease loss provision to assets | 0.1364% | 2,537 |
| Net operating income to assets | 1.0911% | 1,894 |
| Return on assets (ROA) | 1.0911% | 2,001 |
| Pretax return on assets | 1.6530% | 1,185 |
| Return on Equity (ROE) | 9.7393% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.7393% | 1,170 |
| Net charge-offs to loans | 0.1124% | 2,756 |
| Credit loss provision to net charge-offs | 197.3684% | 1,105 |
| Earnings coverage of net charge-offs (x) | 25.8947% | 1,036 |
| Efficiency ratio | 61.4025% | 5,391 |
| Assets per employee ($millions) | 3.5329% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7357% | 344 |
| Loan loss allowance to noncurrent loans | 675.9596% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 5,107 |
| Noncurrent loans to loans | 0.5527% | 5,057 |
| Net loans and leases to total assets | 57.6514% | 3,823 |
| Net loans and leases to deposits | 65.6049% | 4,105 |
| Net loans and leases to core deposits | 72.6223% | 3,746 |
| Total domestic deposits to total assets | 87.8767% | 2,398 |
| Equity capital to assets | 11.1161% | 2,830 |
| Core capital (leverage) ratio | 11.2759% | 2,035 |
| Tier 1 risk-based capital ratio | 17.6972% | 2,482 |
| Total risk-based capital ratio | 18.9471% | 2,451 |
| Memoranda: | ||
| Average total assets | $439,924,000 | 1,529 |
| Average earning assets | $399,399,500 | 1,530 |
| Average equity | $49,285,000 | 1,471 |
| Average total loans | $270,466,000 | 1,566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 2,093 |
| Cost of funding earning assets | 0.4119% | 5,837 |
| Net interest margin | 4.4183% | 1,124 |
| Noninterest income to average assets | 1.1626% | 1,154 |
| Noninterest expense to average assets | 3.1667% | 2,721 |
| Loan and lease loss provision to assets | 0.1710% | 3,482 |
| Net operating income to assets | 1.2371% | 1,484 |
| Return on assets (ROA) | 1.2371% | 1,649 |
| Pretax return on assets | 1.8101% | 902 |
| Return on Equity (ROE) | 10.6242% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.3955% | 1,874 |
| Net charge-offs to loans | -0.0820% | 6,788 |
| Credit loss provision to net charge-offs | -319.6347% | 6,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7373% | 5,422 |
| Assets per employee ($millions) | 3.3167% | 5,387 |
| Cash dividends to net income (ytd only)* | 39.8026% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6602% | 374 |
| Loan loss allowance to noncurrent loans | 524.1452% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 4,859 |
| Noncurrent loans to loans | 0.6983% | 4,796 |
| Net loans and leases to total assets | 60.8253% | 3,450 |
| Net loans and leases to deposits | 69.3084% | 3,792 |
| Net loans and leases to core deposits | 76.6327% | 3,442 |
| Total domestic deposits to total assets | 87.7604% | 2,373 |
| Equity capital to assets | 11.2936% | 2,637 |
| Core capital (leverage) ratio | 11.4572% | 1,904 |
| Tier 1 risk-based capital ratio | 17.1305% | 2,590 |
| Total risk-based capital ratio | 18.4089% | 2,554 |
| Memoranda: | ||
| Average total assets | $409,418,000 | 1,598 |
| Average earning assets | $369,283,800 | 1,620 |
| Average equity | $47,674,400 | 1,465 |
| Average total loans | $267,078,200 | 1,552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 2,134 |
| Cost of funding earning assets | 0.4278% | 5,943 |
| Net interest margin | 4.4382% | 1,120 |
| Noninterest income to average assets | 1.1390% | 1,172 |
| Noninterest expense to average assets | 3.1866% | 2,610 |
| Loan and lease loss provision to assets | 0.2063% | 3,010 |
| Net operating income to assets | 1.1499% | 1,907 |
| Return on assets (ROA) | 1.1499% | 2,104 |
| Pretax return on assets | 1.7420% | 1,178 |
| Return on Equity (ROE) | 9.7961% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.7961% | 968 |
| Net charge-offs to loans | 0.1099% | 4,293 |
| Credit loss provision to net charge-offs | 285.3881% | 947 |
| Earnings coverage of net charge-offs (x) | 26.9546% | 1,197 |
| Efficiency ratio | 61.2675% | 5,268 |
| Assets per employee ($millions) | 3.1620% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5025% | 472 |
| Loan loss allowance to noncurrent loans | 441.6355% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 4,775 |
| Noncurrent loans to loans | 0.7931% | 4,819 |
| Net loans and leases to total assets | 64.3351% | 2,971 |
| Net loans and leases to deposits | 74.0676% | 3,273 |
| Net loans and leases to core deposits | 82.3734% | 2,907 |
| Total domestic deposits to total assets | 86.8599% | 2,763 |
| Equity capital to assets | 12.1505% | 2,149 |
| Core capital (leverage) ratio | 11.9357% | 1,694 |
| Tier 1 risk-based capital ratio | 17.5749% | 2,509 |
| Total risk-based capital ratio | 18.8518% | 2,468 |
| Memoranda: | ||
| Average total assets | $403,979,000 | 1,633 |
| Average earning assets | $363,713,000 | 1,663 |
| Average equity | $47,419,250 | 1,486 |
| Average total loans | $265,791,000 | 1,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 2,389 |
| Cost of funding earning assets | 0.4409% | 6,027 |
| Net interest margin | 4.3884% | 1,235 |
| Noninterest income to average assets | 1.0908% | 1,203 |
| Noninterest expense to average assets | 3.1680% | 2,701 |
| Loan and lease loss provision to assets | 0.1982% | 3,100 |
| Net operating income to assets | 1.1082% | 2,015 |
| Return on assets (ROA) | 1.1082% | 2,233 |
| Pretax return on assets | 1.6793% | 1,317 |
| Return on Equity (ROE) | 9.5530% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.5530% | 1,104 |
| Net charge-offs to loans | 0.0771% | 4,379 |
| Credit loss provision to net charge-offs | 392.1569% | 751 |
| Earnings coverage of net charge-offs (x) | 37.1569% | 927 |
| Efficiency ratio | 61.9833% | 5,249 |
| Assets per employee ($millions) | 3.2533% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4907% | 499 |
| Loan loss allowance to noncurrent loans | 408.7052% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 4,754 |
| Noncurrent loans to loans | 0.8541% | 4,809 |
| Net loans and leases to total assets | 63.5211% | 3,143 |
| Net loans and leases to deposits | 72.7423% | 3,492 |
| Net loans and leases to core deposits | 80.1323% | 3,196 |
| Total domestic deposits to total assets | 87.3235% | 2,580 |
| Equity capital to assets | 11.7920% | 2,323 |
| Core capital (leverage) ratio | 11.6722% | 1,801 |
| Tier 1 risk-based capital ratio | 17.1826% | 2,593 |
| Total risk-based capital ratio | 18.4593% | 2,544 |
| Memoranda: | ||
| Average total assets | $403,728,330 | 1,638 |
| Average earning assets | $363,821,330 | 1,663 |
| Average equity | $46,833,330 | 1,491 |
| Average total loans | $264,443,000 | 1,582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,818 |
| Cost of funding earning assets | 0.4578% | 6,099 |
| Net interest margin | 4.3004% | 1,462 |
| Noninterest income to average assets | 1.0898% | 1,212 |
| Noninterest expense to average assets | 3.1174% | 2,856 |
| Loan and lease loss provision to assets | 0.2486% | 2,475 |
| Net operating income to assets | 1.0560% | 2,265 |
| Return on assets (ROA) | 1.0560% | 2,456 |
| Pretax return on assets | 1.5999% | 1,581 |
| Return on Equity (ROE) | 9.1802% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.1802% | 1,522 |
| Net charge-offs to loans | -0.1050% | 6,806 |
| Credit loss provision to net charge-offs | -362.3188% | 5,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9543% | 5,284 |
| Assets per employee ($millions) | 3.2048% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5930% | 502 |
| Loan loss allowance to noncurrent loans | 383.1424% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 4,708 |
| Noncurrent loans to loans | 0.9378% | 4,794 |
| Net loans and leases to total assets | 61.7309% | 3,307 |
| Net loans and leases to deposits | 70.5209% | 3,651 |
| Net loans and leases to core deposits | 78.3905% | 3,274 |
| Total domestic deposits to total assets | 87.5356% | 2,632 |
| Equity capital to assets | 11.4993% | 2,447 |
| Core capital (leverage) ratio | 11.5417% | 1,872 |
| Tier 1 risk-based capital ratio | 17.1505% | 2,623 |
| Total risk-based capital ratio | 18.4284% | 2,572 |
| Memoranda: | ||
| Average total assets | $402,264,000 | 1,644 |
| Average earning assets | $362,567,000 | 1,674 |
| Average equity | $46,273,500 | 1,504 |
| Average total loans | $262,836,500 | 1,594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 2,888 |
| Cost of funding earning assets | 0.6214% | 5,982 |
| Net interest margin | 4.3769% | 1,455 |
| Noninterest income to average assets | 1.1928% | 932 |
| Noninterest expense to average assets | 3.1826% | 2,929 |
| Loan and lease loss provision to assets | 0.3687% | 2,782 |
| Net operating income to assets | 1.0951% | 1,851 |
| Return on assets (ROA) | 1.0951% | 1,967 |
| Pretax return on assets | 1.5762% | 1,261 |
| Return on Equity (ROE) | 9.6232% | 2,200 |
| Retained earnings to average equity (ytd only) | 6.3834% | 1,811 |
| Net charge-offs to loans | 0.3238% | 3,771 |
| Credit loss provision to net charge-offs | 172.4138% | 1,538 |
| Earnings coverage of net charge-offs (x) | 9.0951% | 2,038 |
| Efficiency ratio | 61.2566% | 5,570 |
| Assets per employee ($millions) | 3.0578% | 5,978 |
| Cash dividends to net income (ytd only)* | 33.6661% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4125% | 572 |
| Loan loss allowance to noncurrent loans | 241.5220% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 4,122 |
| Noncurrent loans to loans | 1.4129% | 4,038 |
| Net loans and leases to total assets | 64.4029% | 3,093 |
| Net loans and leases to deposits | 73.4755% | 3,585 |
| Net loans and leases to core deposits | 82.0724% | 3,165 |
| Total domestic deposits to total assets | 87.6522% | 2,365 |
| Equity capital to assets | 11.5073% | 2,499 |
| Core capital (leverage) ratio | 11.1806% | 2,135 |
| Tier 1 risk-based capital ratio | 16.5785% | 2,789 |
| Total risk-based capital ratio | 17.8546% | 2,745 |
| Memoranda: | ||
| Average total assets | $393,290,400 | 1,648 |
| Average earning assets | $353,562,200 | 1,675 |
| Average equity | $44,756,600 | 1,517 |
| Average total loans | $259,707,400 | 1,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 2,952 |
| Cost of funding earning assets | 0.6561% | 6,007 |
| Net interest margin | 4.3711% | 1,487 |
| Noninterest income to average assets | 1.2193% | 889 |
| Noninterest expense to average assets | 3.2255% | 2,744 |
| Loan and lease loss provision to assets | 0.3059% | 3,083 |
| Net operating income to assets | 1.0680% | 2,079 |
| Return on assets (ROA) | 1.0680% | 2,222 |
| Pretax return on assets | 1.6170% | 1,341 |
| Return on Equity (ROE) | 9.4119% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.4119% | 1,007 |
| Net charge-offs to loans | 0.4428% | 2,952 |
| Credit loss provision to net charge-offs | 104.8951% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.5932% | 2,525 |
| Efficiency ratio | 61.8381% | 5,434 |
| Assets per employee ($millions) | 3.0693% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 645 |
| Loan loss allowance to noncurrent loans | 267.3605% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 4,471 |
| Noncurrent loans to loans | 1.2441% | 4,461 |
| Net loans and leases to total assets | 62.2324% | 3,662 |
| Net loans and leases to deposits | 71.2273% | 4,102 |
| Net loans and leases to core deposits | 80.1101% | 3,616 |
| Total domestic deposits to total assets | 87.3715% | 2,423 |
| Equity capital to assets | 11.6455% | 2,546 |
| Core capital (leverage) ratio | 11.3229% | 2,145 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,495 |
| Total risk-based capital ratio | 18.6529% | 2,453 |
| Memoranda: | ||
| Average total assets | $392,234,750 | 1,666 |
| Average earning assets | $352,580,750 | 1,684 |
| Average equity | $44,510,000 | 1,527 |
| Average total loans | $258,370,500 | 1,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 2,863 |
| Cost of funding earning assets | 0.6800% | 6,068 |
| Net interest margin | 4.3833% | 1,427 |
| Noninterest income to average assets | 1.1918% | 909 |
| Noninterest expense to average assets | 3.2471% | 2,734 |
| Loan and lease loss provision to assets | 0.3069% | 2,959 |
| Net operating income to assets | 1.0425% | 2,059 |
| Return on assets (ROA) | 1.0425% | 2,157 |
| Pretax return on assets | 1.5780% | 1,299 |
| Return on Equity (ROE) | 9.2685% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.2685% | 1,025 |
| Net charge-offs to loans | 0.3822% | 3,030 |
| Credit loss provision to net charge-offs | 120.9677% | 2,522 |
| Earnings coverage of net charge-offs (x) | 7.4294% | 2,223 |
| Efficiency ratio | 62.4539% | 5,511 |
| Assets per employee ($millions) | 3.0887% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3564% | 667 |
| Loan loss allowance to noncurrent loans | 227.5513% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 4,368 |
| Noncurrent loans to loans | 1.4750% | 4,212 |
| Net loans and leases to total assets | 62.6866% | 3,747 |
| Net loans and leases to deposits | 71.6031% | 4,185 |
| Net loans and leases to core deposits | 80.0894% | 3,774 |
| Total domestic deposits to total assets | 87.5473% | 2,442 |
| Equity capital to assets | 11.4755% | 2,520 |
| Core capital (leverage) ratio | 11.1759% | 2,131 |
| Tier 1 risk-based capital ratio | 16.4268% | 2,781 |
| Total risk-based capital ratio | 17.7007% | 2,733 |
| Memoranda: | ||
| Average total assets | $391,000,670 | 1,680 |
| Average earning assets | $351,473,670 | 1,705 |
| Average equity | $43,977,000 | 1,530 |
| Average total loans | $259,534,330 | 1,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 2,886 |
| Cost of funding earning assets | 0.7126% | 6,062 |
| Net interest margin | 4.3315% | 1,461 |
| Noninterest income to average assets | 1.1753% | 936 |
| Noninterest expense to average assets | 3.2247% | 2,800 |
| Loan and lease loss provision to assets | 0.3074% | 2,709 |
| Net operating income to assets | 1.0175% | 2,120 |
| Return on assets (ROA) | 1.0175% | 2,170 |
| Pretax return on assets | 1.5421% | 1,318 |
| Return on Equity (ROE) | 9.1399% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.1399% | 1,340 |
| Net charge-offs to loans | 0.7524% | 1,716 |
| Credit loss provision to net charge-offs | 60.8519% | 3,532 |
| Earnings coverage of net charge-offs (x) | 3.6613% | 2,676 |
| Efficiency ratio | 62.7221% | 5,562 |
| Assets per employee ($millions) | 3.1700% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1718% | 785 |
| Loan loss allowance to noncurrent loans | 205.8691% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 4,415 |
| Noncurrent loans to loans | 1.5407% | 4,158 |
| Net loans and leases to total assets | 63.0032% | 3,659 |
| Net loans and leases to deposits | 71.6386% | 4,119 |
| Net loans and leases to core deposits | 80.0372% | 3,755 |
| Total domestic deposits to total assets | 87.9459% | 2,404 |
| Equity capital to assets | 11.0018% | 2,687 |
| Core capital (leverage) ratio | 10.8898% | 2,270 |
| Tier 1 risk-based capital ratio | 15.6980% | 3,056 |
| Total risk-based capital ratio | 16.9700% | 3,007 |
| Memoranda: | ||
| Average total assets | $390,366,500 | 1,690 |
| Average earning assets | $351,378,000 | 1,709 |
| Average equity | $43,458,000 | 1,535 |
| Average total loans | $262,081,500 | 1,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,809 |
| Cost of funding earning assets | 0.9179% | 6,092 |
| Net interest margin | 4.7064% | 807 |
| Noninterest income to average assets | 1.2502% | 950 |
| Noninterest expense to average assets | 3.4574% | 2,289 |
| Loan and lease loss provision to assets | 0.4235% | 3,572 |
| Net operating income to assets | 1.1136% | 1,663 |
| Return on assets (ROA) | 1.1136% | 1,748 |
| Pretax return on assets | 1.5843% | 1,162 |
| Return on Equity (ROE) | 9.8448% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.4054% | 1,616 |
| Net charge-offs to loans | 0.2498% | 4,793 |
| Credit loss provision to net charge-offs | 243.3281% | 1,183 |
| Earnings coverage of net charge-offs (x) | 11.5369% | 1,596 |
| Efficiency ratio | 62.4425% | 5,645 |
| Assets per employee ($millions) | 3.0263% | 6,041 |
| Cash dividends to net income (ytd only)* | 34.9362% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1921% | 738 |
| Loan loss allowance to noncurrent loans | 175.1661% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 4,398 |
| Noncurrent loans to loans | 1.8223% | 3,788 |
| Net loans and leases to total assets | 67.0935% | 3,193 |
| Net loans and leases to deposits | 76.5772% | 3,751 |
| Net loans and leases to core deposits | 84.5439% | 3,518 |
| Total domestic deposits to total assets | 87.6156% | 2,471 |
| Equity capital to assets | 11.2696% | 2,438 |
| Core capital (leverage) ratio | 11.0188% | 2,149 |
| Tier 1 risk-based capital ratio | 15.3139% | 3,091 |
| Total risk-based capital ratio | 16.5866% | 3,039 |
| Memoranda: | ||
| Average total assets | $366,022,400 | 1,793 |
| Average earning assets | $327,810,000 | 1,817 |
| Average equity | $41,402,600 | 1,605 |
| Average total loans | $255,006,400 | 1,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6941% | 1,736 |
| Cost of funding earning assets | 0.9603% | 6,129 |
| Net interest margin | 4.7339% | 775 |
| Noninterest income to average assets | 1.2420% | 889 |
| Noninterest expense to average assets | 3.4904% | 2,054 |
| Loan and lease loss provision to assets | 0.3313% | 3,950 |
| Net operating income to assets | 1.0929% | 1,910 |
| Return on assets (ROA) | 1.0929% | 2,017 |
| Pretax return on assets | 1.6558% | 1,203 |
| Return on Equity (ROE) | 9.6527% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.6527% | 879 |
| Net charge-offs to loans | 0.1113% | 5,426 |
| Credit loss provision to net charge-offs | 426.5403% | 710 |
| Earnings coverage of net charge-offs (x) | 25.5826% | 991 |
| Efficiency ratio | 62.8965% | 5,453 |
| Assets per employee ($millions) | 2.9677% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1754% | 716 |
| Loan loss allowance to noncurrent loans | 215.5946% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 4,976 |
| Noncurrent loans to loans | 1.4729% | 4,418 |
| Net loans and leases to total assets | 66.9628% | 3,470 |
| Net loans and leases to deposits | 76.6524% | 4,062 |
| Net loans and leases to core deposits | 84.9760% | 3,804 |
| Total domestic deposits to total assets | 87.3591% | 2,339 |
| Equity capital to assets | 11.6474% | 2,409 |
| Core capital (leverage) ratio | 11.4156% | 1,996 |
| Tier 1 risk-based capital ratio | 15.8750% | 2,824 |
| Total risk-based capital ratio | 17.1478% | 2,755 |
| Memoranda: | ||
| Average total assets | $362,198,750 | 1,829 |
| Average earning assets | $324,067,750 | 1,862 |
| Average equity | $41,010,000 | 1,615 |
| Average total loans | $252,689,250 | 1,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 1,628 |
| Cost of funding earning assets | 0.9960% | 6,165 |
| Net interest margin | 4.7372% | 752 |
| Noninterest income to average assets | 1.2470% | 836 |
| Noninterest expense to average assets | 3.5357% | 1,940 |
| Loan and lease loss provision to assets | 0.3349% | 3,723 |
| Net operating income to assets | 1.0684% | 1,954 |
| Return on assets (ROA) | 1.0684% | 2,028 |
| Pretax return on assets | 1.6188% | 1,254 |
| Return on Equity (ROE) | 9.5314% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.5314% | 959 |
| Net charge-offs to loans | 0.0670% | 5,472 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 703 |
| Efficiency ratio | 63.5754% | 5,418 |
| Assets per employee ($millions) | 2.7743% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1589% | 727 |
| Loan loss allowance to noncurrent loans | 183.0373% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2812% | 4,587 |
| Noncurrent loans to loans | 1.7258% | 4,103 |
| Net loans and leases to total assets | 68.8628% | 3,155 |
| Net loans and leases to deposits | 78.7197% | 3,847 |
| Net loans and leases to core deposits | 87.3247% | 3,645 |
| Total domestic deposits to total assets | 87.4785% | 2,263 |
| Equity capital to assets | 11.4530% | 2,479 |
| Core capital (leverage) ratio | 11.0560% | 2,198 |
| Tier 1 risk-based capital ratio | 15.0935% | 3,111 |
| Total risk-based capital ratio | 16.3663% | 3,053 |
| Memoranda: | ||
| Average total assets | $358,286,330 | 1,868 |
| Average earning assets | $320,868,000 | 1,890 |
| Average equity | $40,162,000 | 1,654 |
| Average total loans | $250,715,670 | 1,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 1,977 |
| Cost of funding earning assets | 1.0339% | 6,209 |
| Net interest margin | 4.6100% | 930 |
| Noninterest income to average assets | 1.1861% | 864 |
| Noninterest expense to average assets | 3.4947% | 1,996 |
| Loan and lease loss provision to assets | 0.3347% | 3,383 |
| Net operating income to assets | 0.9808% | 2,255 |
| Return on assets (ROA) | 0.9808% | 2,316 |
| Pretax return on assets | 1.4862% | 1,547 |
| Return on Equity (ROE) | 8.8455% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.8455% | 1,447 |
| Net charge-offs to loans | 0.1382% | 4,112 |
| Credit loss provision to net charge-offs | 348.8372% | 1,161 |
| Earnings coverage of net charge-offs (x) | 18.9767% | 1,222 |
| Efficiency ratio | 64.8825% | 5,326 |
| Assets per employee ($millions) | 2.7781% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1166% | 747 |
| Loan loss allowance to noncurrent loans | 227.2914% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 5,136 |
| Noncurrent loans to loans | 1.3712% | 4,684 |
| Net loans and leases to total assets | 66.5950% | 3,728 |
| Net loans and leases to deposits | 75.8584% | 4,441 |
| Net loans and leases to core deposits | 83.9282% | 4,209 |
| Total domestic deposits to total assets | 87.7884% | 2,188 |
| Equity capital to assets | 11.0874% | 2,687 |
| Core capital (leverage) ratio | 10.7553% | 2,413 |
| Tier 1 risk-based capital ratio | 14.7785% | 3,219 |
| Total risk-based capital ratio | 16.0502% | 3,164 |
| Memoranda: | ||
| Average total assets | $358,489,000 | 1,911 |
| Average earning assets | $321,125,000 | 1,938 |
| Average equity | $39,749,000 | 1,692 |
| Average total loans | $248,830,500 | 1,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0622% | 1,631 |
| Cost of funding earning assets | 1.1251% | 6,901 |
| Net interest margin | 4.9371% | 511 |
| Noninterest income to average assets | 1.3824% | 770 |
| Noninterest expense to average assets | 3.5298% | 2,311 |
| Loan and lease loss provision to assets | 0.6201% | 3,323 |
| Net operating income to assets | 1.1773% | 1,308 |
| Return on assets (ROA) | 1.1773% | 1,352 |
| Pretax return on assets | 1.6699% | 834 |
| Return on Equity (ROE) | 10.6155% | 1,518 |
| Retained earnings to average equity (ytd only) | 6.9053% | 998 |
| Net charge-offs to loans | 1.0870% | 2,244 |
| Credit loss provision to net charge-offs | 82.6667% | 6,228 |
| Earnings coverage of net charge-offs (x) | 3.0530% | 3,547 |
| Efficiency ratio | 59.8468% | 6,509 |
| Assets per employee ($millions) | 2.6554% | 6,939 |
| Cash dividends to net income (ytd only)* | 34.9515% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0163% | 764 |
| Loan loss allowance to noncurrent loans | 185.7072% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 4,689 |
| Noncurrent loans to loans | 1.6242% | 4,208 |
| Net loans and leases to total assets | 67.9804% | 3,705 |
| Net loans and leases to deposits | 77.3383% | 4,496 |
| Net loans and leases to core deposits | 103.2434% | 3,660 |
| Total domestic deposits to total assets | 87.9001% | 2,013 |
| Equity capital to assets | 11.0885% | 2,636 |
| Core capital (leverage) ratio | 10.4488% | 2,651 |
| Tier 1 risk-based capital ratio | 14.3602% | 3,284 |
| Total risk-based capital ratio | 15.6305% | 3,225 |
| Memoranda: | ||
| Average total assets | $349,964,200 | 1,945 |
| Average earning assets | $314,538,000 | 1,982 |
| Average equity | $38,811,000 | 1,725 |
| Average total loans | $241,482,200 | 1,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 1,676 |
| Cost of funding earning assets | 1.1327% | 7,089 |
| Net interest margin | 4.9600% | 485 |
| Noninterest income to average assets | 1.4117% | 759 |
| Noninterest expense to average assets | 3.5339% | 2,185 |
| Loan and lease loss provision to assets | 0.4381% | 3,715 |
| Net operating income to assets | 1.2491% | 1,345 |
| Return on assets (ROA) | 1.2491% | 1,412 |
| Pretax return on assets | 1.8926% | 670 |
| Return on Equity (ROE) | 11.2632% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.2632% | 442 |
| Net charge-offs to loans | 0.9759% | 2,018 |
| Credit loss provision to net charge-offs | 65.3166% | 6,073 |
| Earnings coverage of net charge-offs (x) | 3.4752% | 3,516 |
| Efficiency ratio | 59.4559% | 6,486 |
| Assets per employee ($millions) | 2.5687% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9135% | 711 |
| Loan loss allowance to noncurrent loans | 216.8285% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 4,989 |
| Noncurrent loans to loans | 1.3437% | 4,690 |
| Net loans and leases to total assets | 70.3023% | 3,439 |
| Net loans and leases to deposits | 80.4521% | 4,308 |
| Net loans and leases to core deposits | 105.9509% | 3,705 |
| Total domestic deposits to total assets | 87.3841% | 1,956 |
| Equity capital to assets | 11.5230% | 2,561 |
| Core capital (leverage) ratio | 11.0195% | 2,389 |
| Tier 1 risk-based capital ratio | 14.3913% | 3,335 |
| Total risk-based capital ratio | 15.6604% | 3,270 |
| Memoranda: | ||
| Average total assets | $348,500,250 | 1,966 |
| Average earning assets | $312,867,750 | 2,014 |
| Average equity | $38,650,000 | 1,753 |
| Average total loans | $239,500,000 | 1,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0637% | 1,933 |
| Cost of funding earning assets | 1.1572% | 7,225 |
| Net interest margin | 4.9064% | 529 |
| Noninterest income to average assets | 1.3267% | 873 |
| Noninterest expense to average assets | 3.5110% | 2,307 |
| Loan and lease loss provision to assets | 0.3848% | 3,613 |
| Net operating income to assets | 1.2073% | 1,452 |
| Return on assets (ROA) | 1.2073% | 1,543 |
| Pretax return on assets | 1.8287% | 805 |
| Return on Equity (ROE) | 11.0297% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.0297% | 560 |
| Net charge-offs to loans | 1.0902% | 1,666 |
| Credit loss provision to net charge-offs | 52.3029% | 5,730 |
| Earnings coverage of net charge-offs (x) | 3.0086% | 3,608 |
| Efficiency ratio | 60.5097% | 6,466 |
| Assets per employee ($millions) | 2.5173% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0248% | 559 |
| Loan loss allowance to noncurrent loans | 187.7421% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,491 |
| Noncurrent loans to loans | 1.6111% | 4,080 |
| Net loans and leases to total assets | 68.9880% | 3,951 |
| Net loans and leases to deposits | 78.8059% | 4,731 |
| Net loans and leases to core deposits | 101.0201% | 4,402 |
| Total domestic deposits to total assets | 87.5417% | 2,001 |
| Equity capital to assets | 11.4074% | 2,596 |
| Core capital (leverage) ratio | 10.6132% | 2,723 |
| Tier 1 risk-based capital ratio | 14.5792% | 3,202 |
| Total risk-based capital ratio | 15.8499% | 3,134 |
| Memoranda: | ||
| Average total assets | $348,221,330 | 1,986 |
| Average earning assets | $312,121,670 | 2,041 |
| Average equity | $38,115,330 | 1,795 |
| Average total loans | $235,012,670 | 2,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9191% | 2,704 |
| Cost of funding earning assets | 1.1948% | 7,309 |
| Net interest margin | 4.7243% | 731 |
| Noninterest income to average assets | 1.2382% | 934 |
| Noninterest expense to average assets | 3.3706% | 2,446 |
| Loan and lease loss provision to assets | 0.3531% | 3,196 |
| Net operating income to assets | 1.1494% | 1,805 |
| Return on assets (ROA) | 1.1494% | 1,929 |
| Pretax return on assets | 1.7440% | 1,091 |
| Return on Equity (ROE) | 10.7209% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.7209% | 1,030 |
| Net charge-offs to loans | 0.2219% | 3,308 |
| Credit loss provision to net charge-offs | 242.1875% | 1,924 |
| Earnings coverage of net charge-offs (x) | 14.3828% | 1,671 |
| Efficiency ratio | 60.7917% | 6,281 |
| Assets per employee ($millions) | 2.6045% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5254% | 314 |
| Loan loss allowance to noncurrent loans | 199.6086% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,344 |
| Noncurrent loans to loans | 1.7662% | 3,616 |
| Net loans and leases to total assets | 63.5071% | 5,070 |
| Net loans and leases to deposits | 72.2511% | 5,714 |
| Net loans and leases to core deposits | 93.9649% | 5,151 |
| Total domestic deposits to total assets | 87.8978% | 1,789 |
| Equity capital to assets | 10.8275% | 3,143 |
| Core capital (leverage) ratio | 10.3474% | 3,071 |
| Tier 1 risk-based capital ratio | 14.3020% | 3,430 |
| Total risk-based capital ratio | 15.5771% | 3,338 |
| Memoranda: | ||
| Average total assets | $351,153,000 | 1,979 |
| Average earning assets | $314,371,500 | 2,037 |
| Average equity | $37,646,000 | 1,811 |
| Average total loans | $230,742,500 | 2,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7883% | 1,716 |
| Cost of funding earning assets | 1.7103% | 7,237 |
| Net interest margin | 5.0780% | 431 |
| Noninterest income to average assets | 1.4470% | 681 |
| Noninterest expense to average assets | 3.4871% | 2,430 |
| Loan and lease loss provision to assets | 0.2738% | 4,206 |
| Net operating income to assets | 1.5840% | 856 |
| Return on assets (ROA) | 1.5633% | 871 |
| Pretax return on assets | 2.2328% | 369 |
| Return on Equity (ROE) | 14.9426% | 933 |
| Retained earnings to average equity (ytd only) | 9.6463% | 504 |
| Net charge-offs to loans | 0.4223% | 2,706 |
| Credit loss provision to net charge-offs | 105.1744% | 5,089 |
| Earnings coverage of net charge-offs (x) | 9.7413% | 2,643 |
| Efficiency ratio | 57.0963% | 6,853 |
| Assets per employee ($millions) | 2.6770% | 6,837 |
| Cash dividends to net income (ytd only)* | 35.4440% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4683% | 285 |
| Loan loss allowance to noncurrent loans | 185.9674% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 3,781 |
| Noncurrent loans to loans | 1.8650% | 2,964 |
| Net loans and leases to total assets | 63.3168% | 5,398 |
| Net loans and leases to deposits | 72.6038% | 5,994 |
| Net loans and leases to core deposits | 93.4522% | 5,501 |
| Total domestic deposits to total assets | 87.2087% | 1,834 |
| Equity capital to assets | 10.6136% | 3,374 |
| Core capital (leverage) ratio | 10.0916% | 3,365 |
| Tier 1 risk-based capital ratio | 14.0577% | 3,521 |
| Total risk-based capital ratio | 15.3283% | 3,429 |
| Memoranda: | ||
| Average total assets | $341,454,400 | 1,949 |
| Average earning assets | $307,721,200 | 1,982 |
| Average equity | $35,723,400 | 1,884 |
| Average total loans | $210,530,000 | 2,200 |