Home > The Bank of Southside Virginia > Performance and Condition Ratios
The Bank of Southside Virginia, 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 | 4.4082% | 3,262 |
| Cost of funding earning assets | 0.1519% | 4,465 |
| Net interest margin | 4.2563% | 866 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 2.1449% | 3,277 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.6219% | 221 |
| Return on assets (ROA) | 2.6344% | 214 |
| Pretax return on assets | 3.0178% | 202 |
| Return on Equity (ROE) | 18.7400% | 732 |
| Retained earnings to average equity (ytd only) | 13.2776% | 471 |
| Net charge-offs to loans | 0.0531% | 1,341 |
| Credit loss provision to net charge-offs | 333.1169% | 888 |
| Earnings coverage of net charge-offs (x) | 135.5195% | 762 |
| Efficiency ratio | 41.0302% | 4,344 |
| Assets per employee ($millions) | 9.0546% | 965 |
| Cash dividends to net income (ytd only)* | 29.1562% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 2,929 |
| Loan loss allowance to noncurrent loans | 1,795.4315% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,388 |
| Noncurrent loans to loans | 0.0602% | 3,287 |
| Net loans and leases to total assets | 47.6700% | 3,742 |
| Net loans and leases to deposits | 58.7796% | 3,592 |
| Net loans and leases to core deposits | 60.1716% | 3,758 |
| Total domestic deposits to total assets | 81.0900% | 3,293 |
| Equity capital to assets | 15.6206% | 497 |
| Core capital (leverage) ratio | 18.3203% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $676,991,800 | 1,339 |
| Average earning assets | $617,392,400 | 1,347 |
| Average equity | $95,160,200 | 981 |
| Average total loans | $290,167,400 | 1,829 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 3,291 |
| Cost of funding earning assets | 0.1334% | 4,490 |
| Net interest margin | 4.1701% | 963 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 2.1976% | 3,081 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.2039% | 374 |
| Return on assets (ROA) | 2.1862% | 378 |
| Pretax return on assets | 2.5211% | 374 |
| Return on Equity (ROE) | 16.0000% | 1,260 |
| Retained earnings to average equity (ytd only) | 16.0000% | 461 |
| Net charge-offs to loans | 0.0380% | 1,345 |
| Credit loss provision to net charge-offs | 237.5000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 163.8625% | 688 |
| Efficiency ratio | 45.9623% | 4,138 |
| Assets per employee ($millions) | 8.4396% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 2,952 |
| Loan loss allowance to noncurrent loans | 1,149.6503% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,294 |
| Noncurrent loans to loans | 0.0941% | 3,104 |
| Net loans and leases to total assets | 45.6500% | 3,847 |
| Net loans and leases to deposits | 55.5262% | 3,733 |
| Net loans and leases to core deposits | 56.8717% | 3,818 |
| Total domestic deposits to total assets | 82.2200% | 3,172 |
| Equity capital to assets | 14.4279% | 596 |
| Core capital (leverage) ratio | 18.2919% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $676,466,750 | 1,338 |
| Average earning assets | $615,855,250 | 1,343 |
| Average equity | $92,430,750 | 1,003 |
| Average total loans | $280,900,250 | 1,869 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,220 |
| Cost of funding earning assets | 0.0994% | 4,518 |
| Net interest margin | 4.1354% | 1,031 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.1778% | 3,141 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.9918% | 474 |
| Return on assets (ROA) | 1.9671% | 491 |
| Pretax return on assets | 2.2968% | 470 |
| Return on Equity (ROE) | 14.6600% | 1,537 |
| Retained earnings to average equity (ytd only) | 14.6601% | 603 |
| Net charge-offs to loans | 0.0124% | 1,728 |
| Credit loss provision to net charge-offs | 435.2941% | 702 |
| Earnings coverage of net charge-offs (x) | 472.6471% | 318 |
| Efficiency ratio | 48.0507% | 4,063 |
| Assets per employee ($millions) | 9.2606% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 2,834 |
| Loan loss allowance to noncurrent loans | 779.5181% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,073 |
| Noncurrent loans to loans | 0.1440% | 2,748 |
| Net loans and leases to total assets | 42.7500% | 3,933 |
| Net loans and leases to deposits | 50.6120% | 3,895 |
| Net loans and leases to core deposits | 51.0304% | 3,986 |
| Total domestic deposits to total assets | 84.4600% | 2,709 |
| Equity capital to assets | 14.3384% | 597 |
| Core capital (leverage) ratio | 17.6258% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $682,526,667 | 1,324 |
| Average earning assets | $621,758,333 | 1,340 |
| Average equity | $91,582,000 | 1,006 |
| Average total loans | $273,260,000 | 1,900 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 3,088 |
| Cost of funding earning assets | 0.1010% | 4,529 |
| Net interest margin | 4.0774% | 1,132 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.1477% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9014% | 569 |
| Return on assets (ROA) | 1.8517% | 605 |
| Pretax return on assets | 2.1680% | 596 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 14.2724% | 904 |
| Net charge-offs to loans | -0.0135% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0928% | 4,016 |
| Assets per employee ($millions) | 9.1968% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,795 |
| Loan loss allowance to noncurrent loans | 593.1354% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 2,944 |
| Noncurrent loans to loans | 0.1947% | 2,501 |
| Net loans and leases to total assets | 40.2000% | 4,032 |
| Net loans and leases to deposits | 47.4024% | 3,983 |
| Net loans and leases to core deposits | 47.7843% | 4,057 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 13.8751% | 609 |
| Core capital (leverage) ratio | 16.5507% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $690,409,500 | 1,329 |
| Average earning assets | $629,426,500 | 1,346 |
| Average equity | $89,571,500 | 1,035 |
| Average total loans | $265,764,500 | 1,946 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2120% | 3,804 |
| Cost of funding earning assets | 0.1154% | 4,311 |
| Net interest margin | 3.0966% | 3,180 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 1.9654% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5695% | 742 |
| Return on assets (ROA) | 1.5704% | 704 |
| Pretax return on assets | 1.8356% | 668 |
| Return on Equity (ROE) | 11.6700% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.8489% | 2,304 |
| Net charge-offs to loans | 0.0067% | 2,159 |
| Credit loss provision to net charge-offs | 157.1429% | 1,271 |
| Earnings coverage of net charge-offs (x) | 904.8571% | 195 |
| Efficiency ratio | 51.6784% | 4,011 |
| Assets per employee ($millions) | 9.7245% | 736 |
| Cash dividends to net income (ytd only)* | 41.3210% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 633 |
| Loan loss allowance to noncurrent loans | 1,422.3926% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,263 |
| Noncurrent loans to loans | 0.1280% | 2,870 |
| Net loans and leases to total assets | 35.7200% | 4,229 |
| Net loans and leases to deposits | 41.2173% | 4,210 |
| Net loans and leases to core deposits | 41.5155% | 4,244 |
| Total domestic deposits to total assets | 86.6600% | 2,512 |
| Equity capital to assets | 12.1145% | 896 |
| Core capital (leverage) ratio | 15.6549% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $689,324,800 | 1,322 |
| Average earning assets | $632,502,000 | 1,326 |
| Average equity | $92,744,600 | 997 |
| Average total loans | $209,206,000 | 2,171 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9205% | 4,034 |
| Cost of funding earning assets | 0.1174% | 4,140 |
| Net interest margin | 2.8031% | 3,729 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.8832% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0104% | 2,446 |
| Return on assets (ROA) | 1.0096% | 2,416 |
| Pretax return on assets | 1.1785% | 2,457 |
| Return on Equity (ROE) | 7.3200% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.3178% | 2,259 |
| Net charge-offs to loans | -0.0175% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4225% | 2,911 |
| Assets per employee ($millions) | 9.6623% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 443 |
| Loan loss allowance to noncurrent loans | 919.6850% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,097 |
| Noncurrent loans to loans | 0.2247% | 2,490 |
| Net loans and leases to total assets | 32.2700% | 4,362 |
| Net loans and leases to deposits | 37.3089% | 4,332 |
| Net loans and leases to core deposits | 37.6236% | 4,349 |
| Total domestic deposits to total assets | 86.5000% | 2,924 |
| Equity capital to assets | 12.5134% | 769 |
| Core capital (leverage) ratio | 15.9577% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $686,615,750 | 1,332 |
| Average earning assets | $631,240,250 | 1,338 |
| Average equity | $94,725,500 | 995 |
| Average total loans | $197,826,500 | 2,246 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 4,224 |
| Cost of funding earning assets | 0.1176% | 3,991 |
| Net interest margin | 2.5285% | 4,038 |
| Noninterest income to average assets | 0.4729% | 2,340 |
| Noninterest expense to average assets | 1.8654% | 3,795 |
| Loan and lease loss provision to assets | 0.0050% | 2,514 |
| Net operating income to assets | 0.8085% | 2,922 |
| Return on assets (ROA) | 0.8092% | 2,890 |
| Pretax return on assets | 0.9330% | 2,954 |
| Return on Equity (ROE) | 5.6897% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.6897% | 2,440 |
| Net charge-offs to loans | -0.0127% | 3,686 |
| Credit loss provision to net charge-offs | -141.6667% | 3,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5628% | 2,433 |
| Assets per employee ($millions) | 8.9350% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 329 |
| Loan loss allowance to noncurrent loans | 2,438.7435% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,614 |
| Noncurrent loans to loans | 0.0944% | 3,299 |
| Net loans and leases to total assets | 28.7370% | 4,496 |
| Net loans and leases to deposits | 33.4172% | 4,459 |
| Net loans and leases to core deposits | 33.7008% | 4,484 |
| Total domestic deposits to total assets | 85.9946% | 3,248 |
| Equity capital to assets | 13.0560% | 655 |
| Core capital (leverage) ratio | 15.7085% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,812,333 | 1,334 |
| Average earning assets | $632,792,000 | 1,349 |
| Average equity | $97,685,667 | 977 |
| Average total loans | $188,416,000 | 2,315 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4618% | 4,312 |
| Cost of funding earning assets | 0.1199% | 3,899 |
| Net interest margin | 2.3419% | 4,166 |
| Noninterest income to average assets | 0.4436% | 2,421 |
| Noninterest expense to average assets | 1.8863% | 3,710 |
| Loan and lease loss provision to assets | 0.0012% | 2,272 |
| Net operating income to assets | 0.6361% | 3,272 |
| Return on assets (ROA) | 0.6499% | 3,210 |
| Pretax return on assets | 0.7345% | 3,296 |
| Return on Equity (ROE) | 4.3891% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.3891% | 2,806 |
| Net charge-offs to loans | -0.0287% | 4,067 |
| Credit loss provision to net charge-offs | -15.3846% | 2,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3775% | 1,927 |
| Assets per employee ($millions) | 9.2718% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5380% | 274 |
| Loan loss allowance to noncurrent loans | 3,745.1613% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,776 |
| Noncurrent loans to loans | 0.0678% | 3,510 |
| Net loans and leases to total assets | 25.9922% | 4,562 |
| Net loans and leases to deposits | 30.6036% | 4,536 |
| Net loans and leases to core deposits | 30.8671% | 4,563 |
| Total domestic deposits to total assets | 84.9318% | 3,551 |
| Equity capital to assets | 14.1038% | 511 |
| Core capital (leverage) ratio | 15.5271% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,222,500 | 1,343 |
| Average earning assets | $633,685,500 | 1,353 |
| Average equity | $101,616,500 | 981 |
| Average total loans | $181,441,000 | 2,368 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7820% | 4,229 |
| Cost of funding earning assets | 0.1328% | 4,131 |
| Net interest margin | 2.6492% | 3,964 |
| Noninterest income to average assets | 0.5159% | 2,499 |
| Noninterest expense to average assets | 2.0635% | 3,489 |
| Loan and lease loss provision to assets | 0.0011% | 3,046 |
| Net operating income to assets | 0.7780% | 3,396 |
| Return on assets (ROA) | 0.7868% | 3,441 |
| Pretax return on assets | 0.9056% | 3,500 |
| Return on Equity (ROE) | 4.8174% | 4,033 |
| Retained earnings to average equity (ytd only) | 0.5184% | 4,371 |
| Net charge-offs to loans | -0.0506% | 4,328 |
| Credit loss provision to net charge-offs | -7.1429% | 3,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7083% | 1,774 |
| Assets per employee ($millions) | 9.4021% | 808 |
| Cash dividends to net income (ytd only)* | 89.2388% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5731% | 249 |
| Loan loss allowance to noncurrent loans | 4,096.4602% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,864 |
| Noncurrent loans to loans | 0.0628% | 3,634 |
| Net loans and leases to total assets | 25.5369% | 4,639 |
| Net loans and leases to deposits | 30.5676% | 4,613 |
| Net loans and leases to core deposits | 30.8249% | 4,628 |
| Total domestic deposits to total assets | 83.5421% | 3,679 |
| Equity capital to assets | 15.4916% | 437 |
| Core capital (leverage) ratio | 15.6465% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $657,876,600 | 1,348 |
| Average earning assets | $606,975,600 | 1,359 |
| Average equity | $107,443,600 | 951 |
| Average total loans | $193,778,600 | 2,278 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8336% | 4,254 |
| Cost of funding earning assets | 0.1356% | 4,225 |
| Net interest margin | 2.6980% | 3,979 |
| Noninterest income to average assets | 0.5034% | 2,609 |
| Noninterest expense to average assets | 2.0519% | 3,513 |
| Loan and lease loss provision to assets | 0.0006% | 2,954 |
| Net operating income to assets | 0.8116% | 3,492 |
| Return on assets (ROA) | 0.8240% | 3,530 |
| Pretax return on assets | 0.9519% | 3,583 |
| Return on Equity (ROE) | 4.9781% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.9781% | 3,230 |
| Net charge-offs to loans | -0.0588% | 4,421 |
| Credit loss provision to net charge-offs | -3.4483% | 3,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6241% | 1,745 |
| Assets per employee ($millions) | 9.6761% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 310 |
| Loan loss allowance to noncurrent loans | 3,661.9048% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 3,982 |
| Noncurrent loans to loans | 0.0668% | 3,761 |
| Net loans and leases to total assets | 27.5518% | 4,666 |
| Net loans and leases to deposits | 33.5124% | 4,636 |
| Net loans and leases to core deposits | 33.7734% | 4,659 |
| Total domestic deposits to total assets | 82.2136% | 3,884 |
| Equity capital to assets | 16.4288% | 373 |
| Core capital (leverage) ratio | 16.5718% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,757,500 | 1,376 |
| Average earning assets | $599,787,250 | 1,393 |
| Average equity | $107,722,750 | 965 |
| Average total loans | $197,247,750 | 2,286 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 4,266 |
| Cost of funding earning assets | 0.1383% | 4,293 |
| Net interest margin | 2.7282% | 3,925 |
| Noninterest income to average assets | 0.5032% | 2,608 |
| Noninterest expense to average assets | 2.1047% | 3,373 |
| Loan and lease loss provision to assets | -0.0006% | 4,368 |
| Net operating income to assets | 0.7759% | 3,582 |
| Return on assets (ROA) | 0.7946% | 3,600 |
| Pretax return on assets | 0.9338% | 3,586 |
| Return on Equity (ROE) | 4.7876% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.7876% | 3,263 |
| Net charge-offs to loans | -0.0749% | 4,527 |
| Credit loss provision to net charge-offs | 2.6667% | 1,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7882% | 1,672 |
| Assets per employee ($millions) | 9.1521% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3938% | 316 |
| Loan loss allowance to noncurrent loans | 1,229.1444% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,591 |
| Noncurrent loans to loans | 0.1948% | 3,254 |
| Net loans and leases to total assets | 28.4450% | 4,694 |
| Net loans and leases to deposits | 34.6003% | 4,666 |
| Net loans and leases to core deposits | 34.8908% | 4,696 |
| Total domestic deposits to total assets | 82.2103% | 3,881 |
| Equity capital to assets | 16.4180% | 381 |
| Core capital (leverage) ratio | 16.4160% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $645,126,000 | 1,378 |
| Average earning assets | $594,156,333 | 1,392 |
| Average equity | $107,068,000 | 966 |
| Average total loans | $200,142,333 | 2,276 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8151% | 4,364 |
| Cost of funding earning assets | 0.1416% | 4,369 |
| Net interest margin | 2.6734% | 4,019 |
| Noninterest income to average assets | 0.5045% | 2,589 |
| Noninterest expense to average assets | 2.2713% | 2,877 |
| Loan and lease loss provision to assets | -0.0013% | 4,549 |
| Net operating income to assets | 0.5804% | 3,991 |
| Return on assets (ROA) | 0.6299% | 3,934 |
| Pretax return on assets | 0.7540% | 3,903 |
| Return on Equity (ROE) | 3.7743% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.7743% | 3,572 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6011% | 1,078 |
| Assets per employee ($millions) | 9.0201% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 387 |
| Loan loss allowance to noncurrent loans | 3,207.0922% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,882 |
| Noncurrent loans to loans | 0.0705% | 3,937 |
| Net loans and leases to total assets | 30.5351% | 4,681 |
| Net loans and leases to deposits | 37.1908% | 4,653 |
| Net loans and leases to core deposits | 37.5302% | 4,678 |
| Total domestic deposits to total assets | 82.1039% | 3,873 |
| Equity capital to assets | 16.5119% | 350 |
| Core capital (leverage) ratio | 16.7559% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,212,500 | 1,378 |
| Average earning assets | $587,414,000 | 1,388 |
| Average equity | $106,508,500 | 960 |
| Average total loans | $204,195,500 | 2,254 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 4,474 |
| Cost of funding earning assets | 0.1807% | 4,641 |
| Net interest margin | 3.0011% | 3,880 |
| Noninterest income to average assets | 0.6053% | 2,201 |
| Noninterest expense to average assets | 2.2585% | 3,515 |
| Loan and lease loss provision to assets | 0.0012% | 4,312 |
| Net operating income to assets | 0.9902% | 2,333 |
| Return on assets (ROA) | 0.9711% | 2,541 |
| Pretax return on assets | 1.0782% | 2,774 |
| Return on Equity (ROE) | 5.4788% | 3,756 |
| Retained earnings to average equity (ytd only) | 1.1925% | 4,151 |
| Net charge-offs to loans | 0.0504% | 2,071 |
| Credit loss provision to net charge-offs | 6.4220% | 3,258 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,060 |
| Efficiency ratio | 67.2366% | 2,334 |
| Assets per employee ($millions) | 8.7115% | 824 |
| Cash dividends to net income (ytd only)* | 78.2342% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 433 |
| Loan loss allowance to noncurrent loans | 9,425.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,064 |
| Noncurrent loans to loans | 0.0230% | 4,238 |
| Net loans and leases to total assets | 32.0457% | 4,705 |
| Net loans and leases to deposits | 39.2358% | 4,676 |
| Net loans and leases to core deposits | 39.6583% | 4,707 |
| Total domestic deposits to total assets | 81.6746% | 3,735 |
| Equity capital to assets | 16.8636% | 350 |
| Core capital (leverage) ratio | 16.7751% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,162,800 | 1,325 |
| Average earning assets | $554,364,800 | 1,336 |
| Average equity | $107,086,200 | 912 |
| Average total loans | $216,055,600 | 2,132 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 4,527 |
| Cost of funding earning assets | 0.1892% | 4,705 |
| Net interest margin | 3.0698% | 3,810 |
| Noninterest income to average assets | 0.5698% | 2,307 |
| Noninterest expense to average assets | 2.2602% | 3,527 |
| Loan and lease loss provision to assets | 0.0013% | 4,231 |
| Net operating income to assets | 0.9909% | 2,372 |
| Return on assets (ROA) | 0.9283% | 2,733 |
| Pretax return on assets | 1.0531% | 2,895 |
| Return on Equity (ROE) | 5.1702% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.1702% | 2,488 |
| Net charge-offs to loans | 0.0398% | 2,060 |
| Credit loss provision to net charge-offs | 9.2308% | 2,999 |
| Earnings coverage of net charge-offs (x) | 77.4308% | 941 |
| Efficiency ratio | 66.7569% | 2,359 |
| Assets per employee ($millions) | 8.3986% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 441 |
| Loan loss allowance to noncurrent loans | 5,931.1688% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 4,101 |
| Noncurrent loans to loans | 0.0349% | 4,251 |
| Net loans and leases to total assets | 35.2573% | 4,707 |
| Net loans and leases to deposits | 43.8183% | 4,665 |
| Net loans and leases to core deposits | 44.3157% | 4,702 |
| Total domestic deposits to total assets | 80.4625% | 3,773 |
| Equity capital to assets | 18.0063% | 302 |
| Core capital (leverage) ratio | 17.6168% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,219,000 | 1,317 |
| Average earning assets | $546,913,250 | 1,334 |
| Average equity | $107,047,250 | 903 |
| Average total loans | $217,990,750 | 2,115 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 4,613 |
| Cost of funding earning assets | 0.1992% | 4,768 |
| Net interest margin | 3.1349% | 3,824 |
| Noninterest income to average assets | 0.5669% | 2,267 |
| Noninterest expense to average assets | 2.3563% | 3,380 |
| Loan and lease loss provision to assets | 0.0017% | 4,130 |
| Net operating income to assets | 0.9449% | 2,517 |
| Return on assets (ROA) | 0.8412% | 3,009 |
| Pretax return on assets | 0.9617% | 3,145 |
| Return on Equity (ROE) | 4.6898% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.6898% | 2,612 |
| Net charge-offs to loans | 0.0765% | 1,485 |
| Credit loss provision to net charge-offs | 6.0241% | 2,756 |
| Earnings coverage of net charge-offs (x) | 38.5181% | 1,274 |
| Efficiency ratio | 68.5180% | 2,166 |
| Assets per employee ($millions) | 8.6278% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 393 |
| Loan loss allowance to noncurrent loans | 2,739.7590% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,120 |
| Noncurrent loans to loans | 0.0755% | 4,156 |
| Net loans and leases to total assets | 34.6778% | 4,763 |
| Net loans and leases to deposits | 42.7873% | 4,727 |
| Net loans and leases to core deposits | 43.2589% | 4,767 |
| Total domestic deposits to total assets | 81.0470% | 3,592 |
| Equity capital to assets | 17.4732% | 337 |
| Core capital (leverage) ratio | 17.6191% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $590,592,667 | 1,310 |
| Average earning assets | $541,072,000 | 1,328 |
| Average equity | $105,931,000 | 907 |
| Average total loans | $217,078,000 | 2,108 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 4,582 |
| Cost of funding earning assets | 0.2151% | 4,856 |
| Net interest margin | 3.3385% | 3,489 |
| Noninterest income to average assets | 0.6668% | 1,778 |
| Noninterest expense to average assets | 2.6540% | 2,824 |
| Loan and lease loss provision to assets | 0.0056% | 3,679 |
| Net operating income to assets | 0.9044% | 2,511 |
| Return on assets (ROA) | 0.6550% | 3,492 |
| Pretax return on assets | 0.7683% | 3,496 |
| Return on Equity (ROE) | 3.6015% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.6015% | 2,849 |
| Net charge-offs to loans | 0.0723% | 1,307 |
| Credit loss provision to net charge-offs | 20.5128% | 2,198 |
| Earnings coverage of net charge-offs (x) | 39.3590% | 1,037 |
| Efficiency ratio | 71.3191% | 2,177 |
| Assets per employee ($millions) | 7.9040% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1786% | 390 |
| Loan loss allowance to noncurrent loans | 2,889.9371% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,188 |
| Noncurrent loans to loans | 0.0754% | 4,217 |
| Net loans and leases to total assets | 35.7572% | 4,789 |
| Net loans and leases to deposits | 44.5367% | 4,752 |
| Net loans and leases to core deposits | 45.0448% | 4,793 |
| Total domestic deposits to total assets | 80.2871% | 3,803 |
| Equity capital to assets | 18.2052% | 336 |
| Core capital (leverage) ratio | 18.2807% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $575,288,500 | 1,301 |
| Average earning assets | $526,350,000 | 1,318 |
| Average equity | $104,624,500 | 914 |
| Average total loans | $215,633,500 | 2,078 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 4,284 |
| Cost of funding earning assets | 0.2082% | 4,947 |
| Net interest margin | 3.7811% | 2,567 |
| Noninterest income to average assets | 0.8344% | 1,343 |
| Noninterest expense to average assets | 2.5597% | 3,290 |
| Loan and lease loss provision to assets | 0.0092% | 3,826 |
| Net operating income to assets | 1.5389% | 965 |
| Return on assets (ROA) | 1.6340% | 815 |
| Pretax return on assets | 1.8338% | 868 |
| Return on Equity (ROE) | 9.0033% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.5401% | 2,688 |
| Net charge-offs to loans | 0.0575% | 2,279 |
| Credit loss provision to net charge-offs | 40.0000% | 3,204 |
| Earnings coverage of net charge-offs (x) | 75.6692% | 834 |
| Efficiency ratio | 59.5867% | 3,755 |
| Assets per employee ($millions) | 7.7539% | 778 |
| Cash dividends to net income (ytd only)* | 49.5734% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 394 |
| Loan loss allowance to noncurrent loans | 1,843.0279% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,125 |
| Noncurrent loans to loans | 0.1139% | 4,075 |
| Net loans and leases to total assets | 37.5971% | 4,805 |
| Net loans and leases to deposits | 46.7537% | 4,767 |
| Net loans and leases to core deposits | 47.3186% | 4,809 |
| Total domestic deposits to total assets | 80.4152% | 3,893 |
| Equity capital to assets | 18.1191% | 357 |
| Core capital (leverage) ratio | 18.2012% | 328 |
| Tier 1 risk-based capital ratio | 29.8221% | 480 |
| Total risk-based capital ratio | 31.0727% | 472 |
| Memoranda: | ||
| Average total assets | $566,629,600 | 1,276 |
| Average earning assets | $518,710,400 | 1,294 |
| Average equity | $102,840,000 | 879 |
| Average total loans | $226,010,800 | 1,979 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 4,338 |
| Cost of funding earning assets | 0.2051% | 5,029 |
| Net interest margin | 3.8094% | 2,564 |
| Noninterest income to average assets | 0.7860% | 1,463 |
| Noninterest expense to average assets | 2.4967% | 3,447 |
| Loan and lease loss provision to assets | 0.0097% | 3,701 |
| Net operating income to assets | 1.5398% | 1,089 |
| Return on assets (ROA) | 1.6509% | 867 |
| Pretax return on assets | 1.8967% | 873 |
| Return on Equity (ROE) | 9.0925% | 2,852 |
| Retained earnings to average equity (ytd only) | 9.0925% | 1,018 |
| Net charge-offs to loans | 0.0369% | 2,347 |
| Credit loss provision to net charge-offs | 65.0794% | 2,668 |
| Earnings coverage of net charge-offs (x) | 119.6002% | 650 |
| Efficiency ratio | 58.3977% | 3,878 |
| Assets per employee ($millions) | 7.5237% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 402 |
| Loan loss allowance to noncurrent loans | 921.6535% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,936 |
| Noncurrent loans to loans | 0.2254% | 3,739 |
| Net loans and leases to total assets | 39.1031% | 4,845 |
| Net loans and leases to deposits | 49.1652% | 4,798 |
| Net loans and leases to core deposits | 49.7152% | 4,845 |
| Total domestic deposits to total assets | 79.5341% | 4,084 |
| Equity capital to assets | 18.9101% | 318 |
| Core capital (leverage) ratio | 19.0331% | 288 |
| Tier 1 risk-based capital ratio | 30.0468% | 479 |
| Total risk-based capital ratio | 31.2975% | 474 |
| Memoranda: | ||
| Average total assets | $564,839,000 | 1,287 |
| Average earning assets | $517,377,750 | 1,299 |
| Average equity | $102,558,500 | 882 |
| Average total loans | $227,424,750 | 1,988 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 4,359 |
| Cost of funding earning assets | 0.2022% | 5,069 |
| Net interest margin | 3.8042% | 2,575 |
| Noninterest income to average assets | 0.7872% | 1,389 |
| Noninterest expense to average assets | 2.4424% | 3,628 |
| Loan and lease loss provision to assets | 0.0085% | 3,569 |
| Net operating income to assets | 1.5662% | 977 |
| Return on assets (ROA) | 1.7504% | 689 |
| Pretax return on assets | 2.0403% | 628 |
| Return on Equity (ROE) | 9.7750% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.7750% | 820 |
| Net charge-offs to loans | 0.0526% | 1,891 |
| Credit loss provision to net charge-offs | 40.0000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 86.3833% | 770 |
| Efficiency ratio | 57.1050% | 4,115 |
| Assets per employee ($millions) | 7.5827% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 404 |
| Loan loss allowance to noncurrent loans | 2,622.4719% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,212 |
| Noncurrent loans to loans | 0.0796% | 4,323 |
| Net loans and leases to total assets | 38.5000% | 4,893 |
| Net loans and leases to deposits | 48.0247% | 4,845 |
| Net loans and leases to core deposits | 48.5074% | 4,897 |
| Total domestic deposits to total assets | 80.1671% | 4,004 |
| Equity capital to assets | 18.3466% | 348 |
| Core capital (leverage) ratio | 18.3855% | 319 |
| Tier 1 risk-based capital ratio | 29.4249% | 500 |
| Total risk-based capital ratio | 30.6755% | 491 |
| Memoranda: | ||
| Average total assets | $565,027,000 | 1,285 |
| Average earning assets | $518,317,670 | 1,290 |
| Average equity | $101,176,330 | 886 |
| Average total loans | $228,122,670 | 1,992 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 4,293 |
| Cost of funding earning assets | 0.1951% | 5,126 |
| Net interest margin | 3.8393% | 2,380 |
| Noninterest income to average assets | 0.7493% | 1,434 |
| Noninterest expense to average assets | 2.4709% | 3,584 |
| Loan and lease loss provision to assets | 0.0057% | 3,354 |
| Net operating income to assets | 1.5425% | 1,020 |
| Return on assets (ROA) | 1.6336% | 865 |
| Pretax return on assets | 1.9006% | 797 |
| Return on Equity (ROE) | 9.2374% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.2374% | 1,239 |
| Net charge-offs to loans | 0.0174% | 2,123 |
| Credit loss provision to net charge-offs | 80.0000% | 1,780 |
| Earnings coverage of net charge-offs (x) | 253.5000% | 318 |
| Efficiency ratio | 57.8484% | 4,103 |
| Assets per employee ($millions) | 7.2247% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 434 |
| Loan loss allowance to noncurrent loans | 4,847.4227% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,245 |
| Noncurrent loans to loans | 0.0428% | 4,571 |
| Net loans and leases to total assets | 38.9145% | 4,922 |
| Net loans and leases to deposits | 48.1319% | 4,877 |
| Net loans and leases to core deposits | 48.6655% | 4,923 |
| Total domestic deposits to total assets | 80.8497% | 3,998 |
| Equity capital to assets | 17.7043% | 373 |
| Core capital (leverage) ratio | 18.2201% | 325 |
| Tier 1 risk-based capital ratio | 29.0452% | 507 |
| Total risk-based capital ratio | 30.2960% | 499 |
| Memoranda: | ||
| Average total assets | $563,187,500 | 1,296 |
| Average earning assets | $516,661,500 | 1,303 |
| Average equity | $99,595,500 | 894 |
| Average total loans | $230,374,000 | 1,991 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,271 |
| Cost of funding earning assets | 0.1800% | 5,073 |
| Net interest margin | 3.7215% | 2,959 |
| Noninterest income to average assets | 0.8832% | 1,218 |
| Noninterest expense to average assets | 2.4478% | 3,747 |
| Loan and lease loss provision to assets | 0.1055% | 2,086 |
| Net operating income to assets | 1.5613% | 965 |
| Return on assets (ROA) | 1.5481% | 993 |
| Pretax return on assets | 1.7156% | 1,125 |
| Return on Equity (ROE) | 8.8323% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.2353% | 2,638 |
| Net charge-offs to loans | 0.3653% | 526 |
| Credit loss provision to net charge-offs | 69.8337% | 2,993 |
| Earnings coverage of net charge-offs (x) | 12.1556% | 2,559 |
| Efficiency ratio | 57.1435% | 4,270 |
| Assets per employee ($millions) | 6.3107% | 1,312 |
| Cash dividends to net income (ytd only)* | 40.7253% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 460 |
| Loan loss allowance to noncurrent loans | 3,336.1702% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,223 |
| Noncurrent loans to loans | 0.0603% | 4,478 |
| Net loans and leases to total assets | 41.2786% | 4,903 |
| Net loans and leases to deposits | 51.0071% | 4,854 |
| Net loans and leases to core deposits | 51.6187% | 4,906 |
| Total domestic deposits to total assets | 80.9273% | 3,908 |
| Equity capital to assets | 17.8256% | 356 |
| Core capital (leverage) ratio | 17.8171% | 350 |
| Tier 1 risk-based capital ratio | 28.3953% | 543 |
| Total risk-based capital ratio | 29.6954% | 536 |
| Memoranda: | ||
| Average total assets | $557,522,800 | 1,274 |
| Average earning assets | $509,415,600 | 1,289 |
| Average equity | $97,720,400 | 868 |
| Average total loans | $230,515,800 | 1,944 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,349 |
| Cost of funding earning assets | 0.1766% | 5,111 |
| Net interest margin | 3.6603% | 3,166 |
| Noninterest income to average assets | 0.8670% | 1,292 |
| Noninterest expense to average assets | 2.4087% | 3,836 |
| Loan and lease loss provision to assets | 0.1030% | 1,946 |
| Net operating income to assets | 1.5302% | 1,121 |
| Return on assets (ROA) | 1.5128% | 1,158 |
| Pretax return on assets | 1.6786% | 1,327 |
| Return on Equity (ROE) | 8.6676% | 3,256 |
| Retained earnings to average equity (ytd only) | 8.6676% | 1,356 |
| Net charge-offs to loans | 0.4406% | 358 |
| Credit loss provision to net charge-offs | 56.7852% | 2,779 |
| Earnings coverage of net charge-offs (x) | 9.9315% | 2,614 |
| Efficiency ratio | 57.2191% | 4,221 |
| Assets per employee ($millions) | 5.9742% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 540 |
| Loan loss allowance to noncurrent loans | 1,382.0896% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,157 |
| Noncurrent loans to loans | 0.1408% | 4,252 |
| Net loans and leases to total assets | 42.4428% | 4,937 |
| Net loans and leases to deposits | 52.6873% | 4,866 |
| Net loans and leases to core deposits | 53.2538% | 4,929 |
| Total domestic deposits to total assets | 80.5562% | 3,984 |
| Equity capital to assets | 18.1444% | 323 |
| Core capital (leverage) ratio | 18.2575% | 308 |
| Tier 1 risk-based capital ratio | 28.2592% | 552 |
| Total risk-based capital ratio | 29.5810% | 542 |
| Memoranda: | ||
| Average total assets | $558,067,750 | 1,276 |
| Average earning assets | $509,640,750 | 1,295 |
| Average equity | $97,402,250 | 864 |
| Average total loans | $229,659,250 | 1,957 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,454 |
| Cost of funding earning assets | 0.1738% | 5,131 |
| Net interest margin | 3.5816% | 3,381 |
| Noninterest income to average assets | 0.9481% | 1,057 |
| Noninterest expense to average assets | 2.4336% | 3,811 |
| Loan and lease loss provision to assets | 0.1497% | 1,263 |
| Net operating income to assets | 1.6335% | 838 |
| Return on assets (ROA) | 1.6424% | 824 |
| Pretax return on assets | 1.6424% | 1,367 |
| Return on Equity (ROE) | 9.5129% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.5129% | 1,070 |
| Net charge-offs to loans | 0.6064% | 245 |
| Credit loss provision to net charge-offs | 61.0465% | 2,420 |
| Earnings coverage of net charge-offs (x) | 7.2718% | 2,561 |
| Efficiency ratio | 57.7128% | 4,282 |
| Assets per employee ($millions) | 5.8785% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 491 |
| Loan loss allowance to noncurrent loans | 3,876.0331% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 3,028 |
| Noncurrent loans to loans | 0.0524% | 4,684 |
| Net loans and leases to total assets | 40.5182% | 5,042 |
| Net loans and leases to deposits | 49.9909% | 4,981 |
| Net loans and leases to core deposits | 50.5155% | 5,031 |
| Total domestic deposits to total assets | 81.0510% | 3,983 |
| Equity capital to assets | 17.6824% | 354 |
| Core capital (leverage) ratio | 17.5926% | 341 |
| Tier 1 risk-based capital ratio | 28.1048% | 553 |
| Total risk-based capital ratio | 29.3569% | 549 |
| Memoranda: | ||
| Average total assets | $561,133,330 | 1,267 |
| Average earning assets | $512,120,000 | 1,289 |
| Average equity | $96,879,000 | 873 |
| Average total loans | $226,910,330 | 1,975 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 4,675 |
| Cost of funding earning assets | 0.1736% | 5,142 |
| Net interest margin | 3.4401% | 3,738 |
| Noninterest income to average assets | 1.0219% | 877 |
| Noninterest expense to average assets | 2.5651% | 3,440 |
| Loan and lease loss provision to assets | 0.0107% | 3,386 |
| Net operating income to assets | 1.5887% | 881 |
| Return on assets (ROA) | 1.6029% | 857 |
| Pretax return on assets | 1.6029% | 1,390 |
| Return on Equity (ROE) | 9.3971% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.3971% | 1,330 |
| Net charge-offs to loans | 0.5034% | 300 |
| Credit loss provision to net charge-offs | 5.3004% | 2,188 |
| Earnings coverage of net charge-offs (x) | 7.9470% | 2,056 |
| Efficiency ratio | 61.5949% | 3,860 |
| Assets per employee ($millions) | 6.1193% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 459 |
| Loan loss allowance to noncurrent loans | 500.6403% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,596 |
| Noncurrent loans to loans | 0.4186% | 3,282 |
| Net loans and leases to total assets | 38.5050% | 5,121 |
| Net loans and leases to deposits | 47.0770% | 5,071 |
| Net loans and leases to core deposits | 47.6190% | 5,112 |
| Total domestic deposits to total assets | 81.7915% | 4,019 |
| Equity capital to assets | 16.9644% | 401 |
| Core capital (leverage) ratio | 17.2058% | 361 |
| Tier 1 risk-based capital ratio | 28.8501% | 519 |
| Total risk-based capital ratio | 30.1758% | 516 |
| Memoranda: | ||
| Average total assets | $562,471,000 | 1,277 |
| Average earning assets | $513,828,500 | 1,297 |
| Average equity | $95,944,000 | 886 |
| Average total loans | $224,882,000 | 2,001 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,618 |
| Cost of funding earning assets | 0.1885% | 5,036 |
| Net interest margin | 3.3892% | 3,883 |
| Noninterest income to average assets | 1.0818% | 871 |
| Noninterest expense to average assets | 2.5710% | 3,539 |
| Loan and lease loss provision to assets | 0.0646% | 2,929 |
| Net operating income to assets | 1.3798% | 1,059 |
| Return on assets (ROA) | 1.4203% | 994 |
| Pretax return on assets | 1.5977% | 1,293 |
| Return on Equity (ROE) | 8.4177% | 2,594 |
| Retained earnings to average equity (ytd only) | 4.7234% | 2,309 |
| Net charge-offs to loans | 0.2414% | 1,074 |
| Credit loss provision to net charge-offs | 65.9963% | 3,150 |
| Earnings coverage of net charge-offs (x) | 16.5283% | 2,172 |
| Efficiency ratio | 61.3946% | 4,036 |
| Assets per employee ($millions) | 5.9166% | 1,579 |
| Cash dividends to net income (ytd only)* | 43.8877% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 376 |
| Loan loss allowance to noncurrent loans | 208.5822% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 1,668 |
| Noncurrent loans to loans | 1.0520% | 1,687 |
| Net loans and leases to total assets | 39.7344% | 5,142 |
| Net loans and leases to deposits | 48.7325% | 5,103 |
| Net loans and leases to core deposits | 49.3355% | 5,155 |
| Total domestic deposits to total assets | 81.5356% | 3,988 |
| Equity capital to assets | 17.1662% | 384 |
| Core capital (leverage) ratio | 16.7997% | 381 |
| Tier 1 risk-based capital ratio | 27.8538% | 552 |
| Total risk-based capital ratio | 29.1796% | 535 |
| Memoranda: | ||
| Average total assets | $559,231,200 | 1,265 |
| Average earning assets | $512,479,000 | 1,272 |
| Average equity | $94,360,200 | 871 |
| Average total loans | $226,582,800 | 1,953 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 4,663 |
| Cost of funding earning assets | 0.1901% | 5,053 |
| Net interest margin | 3.3676% | 3,960 |
| Noninterest income to average assets | 1.0678% | 895 |
| Noninterest expense to average assets | 2.5326% | 3,619 |
| Loan and lease loss provision to assets | 0.0100% | 3,933 |
| Net operating income to assets | 1.2744% | 1,419 |
| Return on assets (ROA) | 1.3619% | 1,195 |
| Pretax return on assets | 1.7269% | 1,054 |
| Return on Equity (ROE) | 8.1062% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.1062% | 1,179 |
| Net charge-offs to loans | 0.2623% | 825 |
| Credit loss provision to net charge-offs | 9.4170% | 3,230 |
| Earnings coverage of net charge-offs (x) | 15.3139% | 2,239 |
| Efficiency ratio | 60.8977% | 4,059 |
| Assets per employee ($millions) | 5.8886% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 510 |
| Loan loss allowance to noncurrent loans | 134.1636% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,415 |
| Noncurrent loans to loans | 1.5345% | 1,215 |
| Net loans and leases to total assets | 40.7373% | 5,169 |
| Net loans and leases to deposits | 50.2535% | 5,120 |
| Net loans and leases to core deposits | 50.8535% | 5,169 |
| Total domestic deposits to total assets | 81.0637% | 4,027 |
| Equity capital to assets | 17.5364% | 375 |
| Core capital (leverage) ratio | 17.2156% | 363 |
| Tier 1 risk-based capital ratio | 29.4384% | 496 |
| Total risk-based capital ratio | 30.7821% | 489 |
| Memoranda: | ||
| Average total assets | $559,999,500 | 1,277 |
| Average earning assets | $513,989,250 | 1,282 |
| Average equity | $94,082,500 | 878 |
| Average total loans | $226,742,500 | 1,961 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,782 |
| Cost of funding earning assets | 0.1910% | 5,059 |
| Net interest margin | 3.3037% | 4,094 |
| Noninterest income to average assets | 1.0709% | 877 |
| Noninterest expense to average assets | 2.6612% | 3,231 |
| Loan and lease loss provision to assets | 0.0107% | 3,729 |
| Net operating income to assets | 1.1467% | 1,795 |
| Return on assets (ROA) | 1.2737% | 1,394 |
| Pretax return on assets | 1.5910% | 1,375 |
| Return on Equity (ROE) | 7.6917% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.6917% | 1,286 |
| Net charge-offs to loans | 0.1197% | 1,449 |
| Credit loss provision to net charge-offs | 22.2222% | 2,773 |
| Earnings coverage of net charge-offs (x) | 30.0444% | 1,461 |
| Efficiency ratio | 64.8405% | 3,527 |
| Assets per employee ($millions) | 5.8535% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2039% | 435 |
| Loan loss allowance to noncurrent loans | 188.7266% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,715 |
| Noncurrent loans to loans | 1.1678% | 1,678 |
| Net loans and leases to total assets | 39.7918% | 5,230 |
| Net loans and leases to deposits | 48.7093% | 5,183 |
| Net loans and leases to core deposits | 49.3120% | 5,246 |
| Total domestic deposits to total assets | 81.6924% | 3,975 |
| Equity capital to assets | 16.9540% | 410 |
| Core capital (leverage) ratio | 16.5830% | 410 |
| Tier 1 risk-based capital ratio | 28.6643% | 519 |
| Total risk-based capital ratio | 30.0298% | 505 |
| Memoranda: | ||
| Average total assets | $562,158,000 | 1,281 |
| Average earning assets | $516,143,000 | 1,286 |
| Average equity | $93,087,330 | 887 |
| Average total loans | $225,579,670 | 1,974 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 4,733 |
| Cost of funding earning assets | 0.1921% | 5,044 |
| Net interest margin | 3.2926% | 4,035 |
| Noninterest income to average assets | 0.9789% | 1,045 |
| Noninterest expense to average assets | 2.6350% | 3,365 |
| Loan and lease loss provision to assets | 0.0128% | 3,401 |
| Net operating income to assets | 1.0718% | 1,972 |
| Return on assets (ROA) | 1.3225% | 1,220 |
| Pretax return on assets | 1.6725% | 1,064 |
| Return on Equity (ROE) | 8.0830% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.0830% | 1,425 |
| Net charge-offs to loans | 0.0536% | 1,804 |
| Credit loss provision to net charge-offs | 60.0000% | 1,904 |
| Earnings coverage of net charge-offs (x) | 64.1000% | 769 |
| Efficiency ratio | 65.8255% | 3,529 |
| Assets per employee ($millions) | 5.9751% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 419 |
| Loan loss allowance to noncurrent loans | 188.5378% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,560 |
| Noncurrent loans to loans | 1.2141% | 1,671 |
| Net loans and leases to total assets | 39.0023% | 5,290 |
| Net loans and leases to deposits | 47.4959% | 5,245 |
| Net loans and leases to core deposits | 48.1438% | 5,293 |
| Total domestic deposits to total assets | 82.1172% | 4,140 |
| Equity capital to assets | 16.5316% | 428 |
| Core capital (leverage) ratio | 16.4802% | 407 |
| Tier 1 risk-based capital ratio | 28.2678% | 543 |
| Total risk-based capital ratio | 29.6378% | 520 |
| Memoranda: | ||
| Average total assets | $562,271,000 | 1,280 |
| Average earning assets | $516,435,000 | 1,277 |
| Average equity | $91,996,000 | 889 |
| Average total loans | $224,048,500 | 1,994 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 4,838 |
| Cost of funding earning assets | 0.2129% | 4,902 |
| Net interest margin | 3.2600% | 4,269 |
| Noninterest income to average assets | 1.0415% | 1,043 |
| Noninterest expense to average assets | 2.5480% | 3,849 |
| Loan and lease loss provision to assets | 0.0461% | 3,466 |
| Net operating income to assets | 1.2636% | 1,318 |
| Return on assets (ROA) | 1.2757% | 1,353 |
| Pretax return on assets | 1.4704% | 1,678 |
| Return on Equity (ROE) | 7.6627% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.1782% | 2,935 |
| Net charge-offs to loans | 0.2108% | 1,320 |
| Credit loss provision to net charge-offs | 53.2495% | 3,339 |
| Earnings coverage of net charge-offs (x) | 17.3480% | 2,054 |
| Efficiency ratio | 62.5784% | 4,165 |
| Assets per employee ($millions) | 6.0478% | 1,442 |
| Cash dividends to net income (ytd only)* | 45.4740% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2974% | 406 |
| Loan loss allowance to noncurrent loans | 374.3814% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 2,036 |
| Noncurrent loans to loans | 0.6137% | 3,010 |
| Net loans and leases to total assets | 38.8942% | 5,365 |
| Net loans and leases to deposits | 47.1070% | 5,332 |
| Net loans and leases to core deposits | 47.8672% | 5,375 |
| Total domestic deposits to total assets | 82.5656% | 3,910 |
| Equity capital to assets | 16.2392% | 468 |
| Core capital (leverage) ratio | 16.0128% | 459 |
| Tier 1 risk-based capital ratio | 28.6017% | 537 |
| Total risk-based capital ratio | 30.0348% | 521 |
| Memoranda: | ||
| Average total assets | $550,735,200 | 1,258 |
| Average earning assets | $508,339,200 | 1,259 |
| Average equity | $91,691,200 | 878 |
| Average total loans | $226,277,400 | 1,936 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 4,793 |
| Cost of funding earning assets | 0.2164% | 4,911 |
| Net interest margin | 3.2870% | 4,227 |
| Noninterest income to average assets | 1.0393% | 1,048 |
| Noninterest expense to average assets | 2.4867% | 4,024 |
| Loan and lease loss provision to assets | 0.0090% | 4,058 |
| Net operating income to assets | 1.2580% | 1,422 |
| Return on assets (ROA) | 1.2588% | 1,525 |
| Pretax return on assets | 1.5803% | 1,434 |
| Return on Equity (ROE) | 7.5135% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.5135% | 1,394 |
| Net charge-offs to loans | 0.2686% | 859 |
| Credit loss provision to net charge-offs | 8.0963% | 3,376 |
| Earnings coverage of net charge-offs (x) | 14.2800% | 2,251 |
| Efficiency ratio | 60.5865% | 4,453 |
| Assets per employee ($millions) | 5.9267% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 525 |
| Loan loss allowance to noncurrent loans | 313.4981% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 1,999 |
| Noncurrent loans to loans | 0.7017% | 2,934 |
| Net loans and leases to total assets | 39.9014% | 5,380 |
| Net loans and leases to deposits | 48.9745% | 5,347 |
| Net loans and leases to core deposits | 49.7407% | 5,396 |
| Total domestic deposits to total assets | 81.4737% | 4,109 |
| Equity capital to assets | 17.1826% | 417 |
| Core capital (leverage) ratio | 16.6296% | 397 |
| Tier 1 risk-based capital ratio | 29.4269% | 503 |
| Total risk-based capital ratio | 30.8206% | 491 |
| Memoranda: | ||
| Average total assets | $547,807,500 | 1,266 |
| Average earning assets | $505,947,000 | 1,271 |
| Average equity | $91,779,750 | 881 |
| Average total loans | $226,871,000 | 1,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 4,913 |
| Cost of funding earning assets | 0.2202% | 4,936 |
| Net interest margin | 3.2646% | 4,336 |
| Noninterest income to average assets | 1.0309% | 1,054 |
| Noninterest expense to average assets | 2.5499% | 3,887 |
| Loan and lease loss provision to assets | 0.0102% | 3,890 |
| Net operating income to assets | 1.1875% | 1,652 |
| Return on assets (ROA) | 1.1886% | 1,739 |
| Pretax return on assets | 1.4883% | 1,710 |
| Return on Equity (ROE) | 7.1561% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.1561% | 1,529 |
| Net charge-offs to loans | 0.1661% | 1,339 |
| Credit loss provision to net charge-offs | 14.8148% | 2,967 |
| Earnings coverage of net charge-offs (x) | 21.6508% | 1,672 |
| Efficiency ratio | 62.3486% | 4,290 |
| Assets per employee ($millions) | 5.7048% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3174% | 452 |
| Loan loss allowance to noncurrent loans | 274.2887% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 1,815 |
| Noncurrent loans to loans | 0.8449% | 2,633 |
| Net loans and leases to total assets | 40.0684% | 5,417 |
| Net loans and leases to deposits | 49.0419% | 5,380 |
| Net loans and leases to core deposits | 49.8106% | 5,443 |
| Total domestic deposits to total assets | 81.7023% | 4,089 |
| Equity capital to assets | 16.9878% | 434 |
| Core capital (leverage) ratio | 16.3457% | 425 |
| Tier 1 risk-based capital ratio | 29.1752% | 532 |
| Total risk-based capital ratio | 30.5844% | 518 |
| Memoranda: | ||
| Average total assets | $546,682,000 | 1,274 |
| Average earning assets | $505,060,670 | 1,272 |
| Average equity | $90,803,670 | 884 |
| Average total loans | $227,535,670 | 1,933 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 4,922 |
| Cost of funding earning assets | 0.2257% | 4,944 |
| Net interest margin | 3.2586% | 4,368 |
| Noninterest income to average assets | 0.9418% | 1,202 |
| Noninterest expense to average assets | 2.6123% | 3,714 |
| Loan and lease loss provision to assets | 0.0095% | 3,567 |
| Net operating income to assets | 1.1113% | 1,860 |
| Return on assets (ROA) | 1.1132% | 1,955 |
| Pretax return on assets | 1.3351% | 2,160 |
| Return on Equity (ROE) | 6.7791% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.7791% | 1,988 |
| Net charge-offs to loans | 0.0821% | 1,674 |
| Credit loss provision to net charge-offs | 27.6596% | 2,241 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,019 |
| Efficiency ratio | 64.8333% | 3,999 |
| Assets per employee ($millions) | 5.6075% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3579% | 470 |
| Loan loss allowance to noncurrent loans | 174.4521% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 1,712 |
| Noncurrent loans to loans | 1.3516% | 1,767 |
| Net loans and leases to total assets | 40.6014% | 5,426 |
| Net loans and leases to deposits | 49.4875% | 5,367 |
| Net loans and leases to core deposits | 50.2352% | 5,431 |
| Total domestic deposits to total assets | 82.0437% | 4,209 |
| Equity capital to assets | 16.6515% | 455 |
| Core capital (leverage) ratio | 16.1549% | 451 |
| Tier 1 risk-based capital ratio | 28.3586% | 585 |
| Total risk-based capital ratio | 29.7537% | 562 |
| Memoranda: | ||
| Average total assets | $546,193,500 | 1,274 |
| Average earning assets | $505,006,500 | 1,276 |
| Average equity | $89,688,000 | 891 |
| Average total loans | $228,981,500 | 1,924 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 4,775 |
| Cost of funding earning assets | 0.2587% | 4,701 |
| Net interest margin | 3.3024% | 4,289 |
| Noninterest income to average assets | 1.0060% | 1,167 |
| Noninterest expense to average assets | 2.4626% | 4,348 |
| Loan and lease loss provision to assets | 0.0917% | 2,468 |
| Net operating income to assets | 1.2872% | 1,298 |
| Return on assets (ROA) | 1.3001% | 1,314 |
| Pretax return on assets | 1.5285% | 1,470 |
| Return on Equity (ROE) | 8.0679% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.5486% | 3,538 |
| Net charge-offs to loans | 0.5456% | 464 |
| Credit loss provision to net charge-offs | 38.9060% | 3,542 |
| Earnings coverage of net charge-offs (x) | 6.8066% | 3,170 |
| Efficiency ratio | 58.8719% | 5,042 |
| Assets per employee ($millions) | 5.5953% | 1,704 |
| Cash dividends to net income (ytd only)* | 56.0151% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 550 |
| Loan loss allowance to noncurrent loans | 124.8086% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 1,465 |
| Noncurrent loans to loans | 1.8034% | 1,215 |
| Net loans and leases to total assets | 41.3193% | 5,450 |
| Net loans and leases to deposits | 50.0176% | 5,392 |
| Net loans and leases to core deposits | 50.6380% | 5,467 |
| Total domestic deposits to total assets | 82.6096% | 3,973 |
| Equity capital to assets | 16.2373% | 495 |
| Core capital (leverage) ratio | 15.6470% | 509 |
| Tier 1 risk-based capital ratio | 27.8179% | 613 |
| Total risk-based capital ratio | 29.2084% | 595 |
| Memoranda: | ||
| Average total assets | $550,482,000 | 1,230 |
| Average earning assets | $510,328,800 | 1,222 |
| Average equity | $88,709,800 | 859 |
| Average total loans | $237,891,000 | 1,818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,818 |
| Cost of funding earning assets | 0.2640% | 4,730 |
| Net interest margin | 3.3067% | 4,313 |
| Noninterest income to average assets | 0.9829% | 1,224 |
| Noninterest expense to average assets | 2.4008% | 4,511 |
| Loan and lease loss provision to assets | 0.0104% | 4,061 |
| Net operating income to assets | 1.3125% | 1,300 |
| Return on assets (ROA) | 1.3553% | 1,264 |
| Pretax return on assets | 1.6919% | 1,128 |
| Return on Equity (ROE) | 8.4260% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.4260% | 1,079 |
| Net charge-offs to loans | 0.2261% | 1,153 |
| Credit loss provision to net charge-offs | 10.5911% | 3,447 |
| Earnings coverage of net charge-offs (x) | 16.7833% | 2,092 |
| Efficiency ratio | 57.6123% | 5,167 |
| Assets per employee ($millions) | 5.7328% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3757% | 517 |
| Loan loss allowance to noncurrent loans | 92.1508% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 1,280 |
| Noncurrent loans to loans | 2.5781% | 775 |
| Net loans and leases to total assets | 42.1644% | 5,483 |
| Net loans and leases to deposits | 51.3065% | 5,403 |
| Net loans and leases to core deposits | 52.1182% | 5,497 |
| Total domestic deposits to total assets | 82.1813% | 4,107 |
| Equity capital to assets | 16.5315% | 484 |
| Core capital (leverage) ratio | 16.0911% | 480 |
| Tier 1 risk-based capital ratio | 28.7524% | 582 |
| Total risk-based capital ratio | 30.1529% | 567 |
| Memoranda: | ||
| Average total assets | $551,018,250 | 1,241 |
| Average earning assets | $511,026,250 | 1,234 |
| Average equity | $88,628,500 | 868 |
| Average total loans | $239,417,250 | 1,808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 4,725 |
| Cost of funding earning assets | 0.2681% | 4,738 |
| Net interest margin | 3.3287% | 4,179 |
| Noninterest income to average assets | 0.9767% | 1,230 |
| Noninterest expense to average assets | 2.4345% | 4,451 |
| Loan and lease loss provision to assets | 0.0094% | 3,913 |
| Net operating income to assets | 1.3075% | 1,302 |
| Return on assets (ROA) | 1.3119% | 1,342 |
| Pretax return on assets | 1.6240% | 1,269 |
| Return on Equity (ROE) | 8.2327% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.2327% | 1,175 |
| Net charge-offs to loans | 0.2475% | 1,047 |
| Credit loss provision to net charge-offs | 8.7542% | 3,110 |
| Earnings coverage of net charge-offs (x) | 15.1077% | 1,997 |
| Efficiency ratio | 58.2567% | 5,192 |
| Assets per employee ($millions) | 5.8548% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3986% | 550 |
| Loan loss allowance to noncurrent loans | 168.0527% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 2,117 |
| Noncurrent loans to loans | 1.4273% | 1,876 |
| Net loans and leases to total assets | 42.4314% | 5,471 |
| Net loans and leases to deposits | 51.3743% | 5,425 |
| Net loans and leases to core deposits | 52.2715% | 5,521 |
| Total domestic deposits to total assets | 82.5927% | 4,093 |
| Equity capital to assets | 16.1443% | 511 |
| Core capital (leverage) ratio | 15.5678% | 533 |
| Tier 1 risk-based capital ratio | 27.9025% | 647 |
| Total risk-based capital ratio | 29.3759% | 627 |
| Memoranda: | ||
| Average total assets | $551,243,000 | 1,242 |
| Average earning assets | $511,016,330 | 1,238 |
| Average equity | $87,844,670 | 879 |
| Average total loans | $239,991,000 | 1,812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 4,831 |
| Cost of funding earning assets | 0.2708% | 4,777 |
| Net interest margin | 3.2782% | 4,302 |
| Noninterest income to average assets | 0.8947% | 1,401 |
| Noninterest expense to average assets | 2.4340% | 4,498 |
| Loan and lease loss provision to assets | 0.0087% | 3,604 |
| Net operating income to assets | 1.2200% | 1,491 |
| Return on assets (ROA) | 1.2290% | 1,557 |
| Pretax return on assets | 1.5001% | 1,568 |
| Return on Equity (ROE) | 7.7626% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.7626% | 1,660 |
| Net charge-offs to loans | 0.5409% | 459 |
| Credit loss provision to net charge-offs | 3.6923% | 2,470 |
| Earnings coverage of net charge-offs (x) | 6.3569% | 2,305 |
| Efficiency ratio | 60.1696% | 5,073 |
| Assets per employee ($millions) | 5.9770% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3908% | 624 |
| Loan loss allowance to noncurrent loans | 158.0744% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 2,073 |
| Noncurrent loans to loans | 1.5124% | 1,865 |
| Net loans and leases to total assets | 41.8437% | 5,499 |
| Net loans and leases to deposits | 50.4701% | 5,424 |
| Net loans and leases to core deposits | 51.3831% | 5,525 |
| Total domestic deposits to total assets | 82.9078% | 4,198 |
| Equity capital to assets | 15.8955% | 555 |
| Core capital (leverage) ratio | 15.4714% | 541 |
| Tier 1 risk-based capital ratio | 27.0811% | 705 |
| Total risk-based capital ratio | 28.3866% | 681 |
| Memoranda: | ||
| Average total assets | $551,690,000 | 1,250 |
| Average earning assets | $511,132,500 | 1,243 |
| Average equity | $87,342,000 | 884 |
| Average total loans | $240,356,500 | 1,811 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 4,349 |
| Cost of funding earning assets | 0.3165% | 4,615 |
| Net interest margin | 3.5236% | 3,702 |
| Noninterest income to average assets | 1.1171% | 977 |
| Noninterest expense to average assets | 2.5022% | 4,540 |
| Loan and lease loss provision to assets | 0.0676% | 3,138 |
| Net operating income to assets | 1.4711% | 932 |
| Return on assets (ROA) | 1.6246% | 706 |
| Pretax return on assets | 1.9790% | 532 |
| Return on Equity (ROE) | 10.1975% | 2,025 |
| Retained earnings to average equity (ytd only) | 4.9397% | 2,646 |
| Net charge-offs to loans | 0.2379% | 1,777 |
| Credit loss provision to net charge-offs | 63.6678% | 3,215 |
| Earnings coverage of net charge-offs (x) | 17.5173% | 1,920 |
| Efficiency ratio | 55.7937% | 5,686 |
| Assets per employee ($millions) | 5.8164% | 1,515 |
| Cash dividends to net income (ytd only)* | 51.5600% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4791% | 561 |
| Loan loss allowance to noncurrent loans | 275.0572% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 2,902 |
| Noncurrent loans to loans | 0.9013% | 3,062 |
| Net loans and leases to total assets | 43.2401% | 5,521 |
| Net loans and leases to deposits | 51.9911% | 5,482 |
| Net loans and leases to core deposits | 52.9434% | 5,567 |
| Total domestic deposits to total assets | 83.1682% | 4,015 |
| Equity capital to assets | 16.1430% | 518 |
| Core capital (leverage) ratio | 15.5030% | 530 |
| Tier 1 risk-based capital ratio | 29.0423% | 564 |
| Total risk-based capital ratio | 30.3024% | 544 |
| Memoranda: | ||
| Average total assets | $544,519,600 | 1,228 |
| Average earning assets | $501,391,800 | 1,229 |
| Average equity | $86,746,600 | 853 |
| Average total loans | $242,995,200 | 1,737 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,334 |
| Cost of funding earning assets | 0.3248% | 4,617 |
| Net interest margin | 3.5338% | 3,702 |
| Noninterest income to average assets | 0.9672% | 1,322 |
| Noninterest expense to average assets | 2.4687% | 4,621 |
| Loan and lease loss provision to assets | 0.0130% | 4,156 |
| Net operating income to assets | 1.3671% | 1,204 |
| Return on assets (ROA) | 1.5841% | 810 |
| Pretax return on assets | 2.0109% | 552 |
| Return on Equity (ROE) | 9.9772% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.9772% | 716 |
| Net charge-offs to loans | 0.1683% | 2,114 |
| Credit loss provision to net charge-offs | 17.2638% | 3,611 |
| Earnings coverage of net charge-offs (x) | 23.2445% | 1,594 |
| Efficiency ratio | 56.9038% | 5,571 |
| Assets per employee ($millions) | 5.8022% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4216% | 709 |
| Loan loss allowance to noncurrent loans | 257.5993% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 3,024 |
| Noncurrent loans to loans | 0.9401% | 3,211 |
| Net loans and leases to total assets | 44.5509% | 5,488 |
| Net loans and leases to deposits | 54.1354% | 5,378 |
| Net loans and leases to core deposits | 55.1501% | 5,495 |
| Total domestic deposits to total assets | 82.2953% | 4,379 |
| Equity capital to assets | 16.8379% | 445 |
| Core capital (leverage) ratio | 16.0153% | 478 |
| Tier 1 risk-based capital ratio | 29.5929% | 552 |
| Total risk-based capital ratio | 30.8525% | 538 |
| Memoranda: | ||
| Average total assets | $543,963,250 | 1,235 |
| Average earning assets | $500,377,750 | 1,241 |
| Average equity | $86,368,000 | 859 |
| Average total loans | $243,138,250 | 1,747 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,308 |
| Cost of funding earning assets | 0.3327% | 4,614 |
| Net interest margin | 3.5232% | 3,686 |
| Noninterest income to average assets | 0.9307% | 1,391 |
| Noninterest expense to average assets | 2.5034% | 4,564 |
| Loan and lease loss provision to assets | 0.0117% | 4,012 |
| Net operating income to assets | 1.3000% | 1,312 |
| Return on assets (ROA) | 1.6200% | 702 |
| Pretax return on assets | 2.0641% | 472 |
| Return on Equity (ROE) | 10.4111% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.4111% | 631 |
| Net charge-offs to loans | 0.1652% | 2,070 |
| Credit loss provision to net charge-offs | 16.0000% | 3,245 |
| Earnings coverage of net charge-offs (x) | 22.7100% | 1,501 |
| Efficiency ratio | 58.4044% | 5,503 |
| Assets per employee ($millions) | 5.6755% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4831% | 733 |
| Loan loss allowance to noncurrent loans | 258.7431% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 2,947 |
| Noncurrent loans to loans | 0.9597% | 3,322 |
| Net loans and leases to total assets | 43.6214% | 5,559 |
| Net loans and leases to deposits | 52.5415% | 5,460 |
| Net loans and leases to core deposits | 53.7328% | 5,573 |
| Total domestic deposits to total assets | 83.0227% | 4,300 |
| Equity capital to assets | 16.1907% | 519 |
| Core capital (leverage) ratio | 15.4599% | 541 |
| Tier 1 risk-based capital ratio | 28.8327% | 591 |
| Total risk-based capital ratio | 30.0928% | 577 |
| Memoranda: | ||
| Average total assets | $545,416,670 | 1,230 |
| Average earning assets | $501,312,000 | 1,233 |
| Average equity | $84,871,330 | 867 |
| Average total loans | $242,063,000 | 1,745 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,297 |
| Cost of funding earning assets | 0.3429% | 4,613 |
| Net interest margin | 3.5051% | 3,669 |
| Noninterest income to average assets | 0.8715% | 1,481 |
| Noninterest expense to average assets | 2.4951% | 4,635 |
| Loan and lease loss provision to assets | 0.0147% | 3,637 |
| Net operating income to assets | 1.2449% | 1,360 |
| Return on assets (ROA) | 1.6155% | 679 |
| Pretax return on assets | 2.0531% | 473 |
| Return on Equity (ROE) | 10.5962% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.5962% | 819 |
| Net charge-offs to loans | 0.0962% | 2,207 |
| Credit loss provision to net charge-offs | 34.4828% | 2,360 |
| Earnings coverage of net charge-offs (x) | 37.6034% | 916 |
| Efficiency ratio | 59.2659% | 5,502 |
| Assets per employee ($millions) | 5.7111% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5797% | 732 |
| Loan loss allowance to noncurrent loans | 280.3628% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 3,229 |
| Noncurrent loans to loans | 0.9201% | 3,579 |
| Net loans and leases to total assets | 42.5815% | 5,618 |
| Net loans and leases to deposits | 50.8200% | 5,538 |
| Net loans and leases to core deposits | 51.7758% | 5,633 |
| Total domestic deposits to total assets | 83.7888% | 4,349 |
| Equity capital to assets | 15.4718% | 603 |
| Core capital (leverage) ratio | 15.1544% | 580 |
| Tier 1 risk-based capital ratio | 28.4088% | 616 |
| Total risk-based capital ratio | 29.6698% | 599 |
| Memoranda: | ||
| Average total assets | $545,700,000 | 1,236 |
| Average earning assets | $501,667,000 | 1,237 |
| Average equity | $83,199,500 | 879 |
| Average total loans | $241,233,000 | 1,755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,356 |
| Cost of funding earning assets | 0.4004% | 4,652 |
| Net interest margin | 3.7969% | 2,672 |
| Noninterest income to average assets | 0.9394% | 1,549 |
| Noninterest expense to average assets | 2.5592% | 4,590 |
| Loan and lease loss provision to assets | 0.1047% | 3,048 |
| Net operating income to assets | 1.4203% | 987 |
| Return on assets (ROA) | 1.5635% | 763 |
| Pretax return on assets | 1.9447% | 546 |
| Return on Equity (ROE) | 10.5968% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.9917% | 2,605 |
| Net charge-offs to loans | 0.3344% | 2,002 |
| Credit loss provision to net charge-offs | 68.8249% | 3,335 |
| Earnings coverage of net charge-offs (x) | 12.2902% | 2,134 |
| Efficiency ratio | 56.2348% | 5,927 |
| Assets per employee ($millions) | 5.5422% | 1,614 |
| Cash dividends to net income (ytd only)* | 52.8945% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5615% | 765 |
| Loan loss allowance to noncurrent loans | 405.7404% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 3,629 |
| Noncurrent loans to loans | 0.6313% | 4,402 |
| Net loans and leases to total assets | 43.5628% | 5,711 |
| Net loans and leases to deposits | 51.6666% | 5,651 |
| Net loans and leases to core deposits | 52.7459% | 5,743 |
| Total domestic deposits to total assets | 84.3152% | 4,050 |
| Equity capital to assets | 15.0188% | 668 |
| Core capital (leverage) ratio | 14.7226% | 640 |
| Tier 1 risk-based capital ratio | 26.6982% | 715 |
| Total risk-based capital ratio | 27.9584% | 694 |
| Memoranda: | ||
| Average total assets | $548,015,200 | 1,210 |
| Average earning assets | $503,750,800 | 1,209 |
| Average equity | $80,854,600 | 885 |
| Average total loans | $249,406,000 | 1,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,338 |
| Cost of funding earning assets | 0.4098% | 4,736 |
| Net interest margin | 3.8032% | 2,631 |
| Noninterest income to average assets | 0.9356% | 1,650 |
| Noninterest expense to average assets | 2.4528% | 4,869 |
| Loan and lease loss provision to assets | 0.0876% | 3,309 |
| Net operating income to assets | 1.4302% | 1,031 |
| Return on assets (ROA) | 1.6430% | 733 |
| Pretax return on assets | 2.1714% | 414 |
| Return on Equity (ROE) | 11.1853% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.1853% | 542 |
| Net charge-offs to loans | 0.3925% | 1,635 |
| Credit loss provision to net charge-offs | 48.8498% | 3,535 |
| Earnings coverage of net charge-offs (x) | 11.0325% | 2,289 |
| Efficiency ratio | 53.8095% | 6,118 |
| Assets per employee ($millions) | 5.5684% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4665% | 967 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 3,414 |
| Noncurrent loans to loans | 0.9592% | 3,898 |
| Net loans and leases to total assets | 44.6718% | 5,664 |
| Net loans and leases to deposits | 53.5208% | 5,578 |
| Net loans and leases to core deposits | 54.6098% | 5,722 |
| Total domestic deposits to total assets | 83.4663% | 4,392 |
| Equity capital to assets | 15.1881% | 683 |
| Core capital (leverage) ratio | 15.2705% | 597 |
| Tier 1 risk-based capital ratio | 26.9457% | 708 |
| Total risk-based capital ratio | 28.2049% | 693 |
| Memoranda: | ||
| Average total assets | $549,236,250 | 1,218 |
| Average earning assets | $504,924,750 | 1,218 |
| Average equity | $80,675,250 | 896 |
| Average total loans | $251,051,750 | 1,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 3,228 |
| Cost of funding earning assets | 0.4180% | 4,773 |
| Net interest margin | 3.8145% | 2,495 |
| Noninterest income to average assets | 0.9046% | 1,800 |
| Noninterest expense to average assets | 2.4314% | 4,959 |
| Loan and lease loss provision to assets | 0.0145% | 4,598 |
| Net operating income to assets | 1.4861% | 923 |
| Return on assets (ROA) | 1.6206% | 789 |
| Pretax return on assets | 2.1479% | 458 |
| Return on Equity (ROE) | 11.1566% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.1566% | 615 |
| Net charge-offs to loans | 0.0674% | 3,744 |
| Credit loss provision to net charge-offs | 47.0588% | 3,272 |
| Earnings coverage of net charge-offs (x) | 64.4235% | 668 |
| Efficiency ratio | 53.5439% | 6,177 |
| Assets per employee ($millions) | 5.6743% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5628% | 915 |
| Loan loss allowance to noncurrent loans | 166.0217% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 3,461 |
| Noncurrent loans to loans | 1.5437% | 2,987 |
| Net loans and leases to total assets | 44.4502% | 5,699 |
| Net loans and leases to deposits | 52.8466% | 5,613 |
| Net loans and leases to core deposits | 53.8326% | 5,766 |
| Total domestic deposits to total assets | 84.1116% | 4,271 |
| Equity capital to assets | 14.5810% | 801 |
| Core capital (leverage) ratio | 14.1699% | 782 |
| Tier 1 risk-based capital ratio | 25.1001% | 864 |
| Total risk-based capital ratio | 26.3604% | 849 |
| Memoranda: | ||
| Average total assets | $552,268,670 | 1,213 |
| Average earning assets | $508,162,330 | 1,210 |
| Average equity | $80,221,330 | 901 |
| Average total loans | $252,271,670 | 1,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,909 |
| Cost of funding earning assets | 0.4328% | 4,774 |
| Net interest margin | 3.8631% | 2,239 |
| Noninterest income to average assets | 0.8344% | 1,985 |
| Noninterest expense to average assets | 2.4020% | 5,114 |
| Loan and lease loss provision to assets | 0.0123% | 4,299 |
| Net operating income to assets | 1.4834% | 890 |
| Return on assets (ROA) | 1.4845% | 968 |
| Pretax return on assets | 1.9776% | 615 |
| Return on Equity (ROE) | 10.2388% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.2388% | 1,048 |
| Net charge-offs to loans | 0.0823% | 3,022 |
| Credit loss provision to net charge-offs | 32.6923% | 2,852 |
| Earnings coverage of net charge-offs (x) | 52.8846% | 644 |
| Efficiency ratio | 53.1785% | 6,282 |
| Assets per employee ($millions) | 5.6542% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5763% | 1,036 |
| Loan loss allowance to noncurrent loans | 192.1586% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 3,768 |
| Noncurrent loans to loans | 1.3407% | 3,556 |
| Net loans and leases to total assets | 43.9833% | 5,667 |
| Net loans and leases to deposits | 52.3429% | 5,586 |
| Net loans and leases to core deposits | 53.3130% | 5,724 |
| Total domestic deposits to total assets | 84.0292% | 4,470 |
| Equity capital to assets | 14.6555% | 835 |
| Core capital (leverage) ratio | 14.1570% | 755 |
| Tier 1 risk-based capital ratio | 24.9812% | 892 |
| Total risk-based capital ratio | 26.2415% | 877 |
| Memoranda: | ||
| Average total assets | $553,201,500 | 1,220 |
| Average earning assets | $509,225,500 | 1,222 |
| Average equity | $80,205,000 | 916 |
| Average total loans | $252,862,500 | 1,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,913 |
| Cost of funding earning assets | 0.5925% | 4,419 |
| Net interest margin | 4.0293% | 2,275 |
| Noninterest income to average assets | 0.9334% | 1,764 |
| Noninterest expense to average assets | 2.5554% | 4,914 |
| Loan and lease loss provision to assets | 0.1486% | 3,749 |
| Net operating income to assets | 1.5683% | 798 |
| Return on assets (ROA) | 1.5616% | 888 |
| Pretax return on assets | 1.9250% | 708 |
| Return on Equity (ROE) | 10.9991% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.4679% | 1,838 |
| Net charge-offs to loans | 0.4826% | 2,308 |
| Credit loss provision to net charge-offs | 61.9707% | 4,394 |
| Earnings coverage of net charge-offs (x) | 8.6844% | 2,370 |
| Efficiency ratio | 53.6175% | 6,302 |
| Assets per employee ($millions) | 5.5229% | 1,670 |
| Cash dividends to net income (ytd only)* | 41.1959% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5356% | 1,091 |
| Loan loss allowance to noncurrent loans | 109.3302% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 3,105 |
| Noncurrent loans to loans | 2.3192% | 2,326 |
| Net loans and leases to total assets | 45.1000% | 5,713 |
| Net loans and leases to deposits | 53.4473% | 5,701 |
| Net loans and leases to core deposits | 54.7305% | 5,820 |
| Total domestic deposits to total assets | 84.3821% | 4,136 |
| Equity capital to assets | 14.3406% | 924 |
| Core capital (leverage) ratio | 13.7835% | 864 |
| Tier 1 risk-based capital ratio | 24.0556% | 960 |
| Total risk-based capital ratio | 25.3157% | 946 |
| Memoranda: | ||
| Average total assets | $541,872,800 | 1,234 |
| Average earning assets | $498,096,600 | 1,221 |
| Average equity | $76,933,800 | 916 |
| Average total loans | $269,192,600 | 1,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 2,795 |
| Cost of funding earning assets | 0.6248% | 4,413 |
| Net interest margin | 4.0791% | 2,174 |
| Noninterest income to average assets | 0.9254% | 1,746 |
| Noninterest expense to average assets | 2.5095% | 5,053 |
| Loan and lease loss provision to assets | 0.1330% | 3,882 |
| Net operating income to assets | 1.5397% | 958 |
| Return on assets (ROA) | 1.5433% | 1,062 |
| Pretax return on assets | 2.0375% | 652 |
| Return on Equity (ROE) | 10.8980% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.8980% | 701 |
| Net charge-offs to loans | 0.1873% | 3,618 |
| Credit loss provision to net charge-offs | 140.4700% | 2,056 |
| Earnings coverage of net charge-offs (x) | 22.8722% | 1,340 |
| Efficiency ratio | 52.1946% | 6,437 |
| Assets per employee ($millions) | 5.3154% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6798% | 1,002 |
| Loan loss allowance to noncurrent loans | 138.5079% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 3,647 |
| Noncurrent loans to loans | 1.9348% | 2,917 |
| Net loans and leases to total assets | 47.2887% | 5,627 |
| Net loans and leases to deposits | 56.2905% | 5,609 |
| Net loans and leases to core deposits | 57.9191% | 5,738 |
| Total domestic deposits to total assets | 84.0082% | 4,216 |
| Equity capital to assets | 14.7157% | 899 |
| Core capital (leverage) ratio | 14.0908% | 805 |
| Tier 1 risk-based capital ratio | 23.8796% | 1,036 |
| Total risk-based capital ratio | 25.1416% | 1,016 |
| Memoranda: | ||
| Average total assets | $539,268,250 | 1,250 |
| Average earning assets | $495,747,500 | 1,241 |
| Average equity | $76,366,750 | 925 |
| Average total loans | $272,600,000 | 1,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 2,495 |
| Cost of funding earning assets | 0.6532% | 4,412 |
| Net interest margin | 4.1499% | 1,906 |
| Noninterest income to average assets | 0.8980% | 1,793 |
| Noninterest expense to average assets | 2.5616% | 4,915 |
| Loan and lease loss provision to assets | 0.1953% | 3,130 |
| Net operating income to assets | 1.4808% | 1,025 |
| Return on assets (ROA) | 1.4836% | 1,141 |
| Pretax return on assets | 1.9574% | 746 |
| Return on Equity (ROE) | 10.6180% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.6180% | 824 |
| Net charge-offs to loans | 0.2547% | 3,053 |
| Credit loss provision to net charge-offs | 149.7143% | 1,855 |
| Earnings coverage of net charge-offs (x) | 16.4714% | 1,591 |
| Efficiency ratio | 52.9002% | 6,431 |
| Assets per employee ($millions) | 5.3445% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6649% | 1,079 |
| Loan loss allowance to noncurrent loans | 139.3101% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 3,671 |
| Noncurrent loans to loans | 1.9129% | 3,058 |
| Net loans and leases to total assets | 48.3663% | 5,580 |
| Net loans and leases to deposits | 57.3522% | 5,520 |
| Net loans and leases to core deposits | 59.1009% | 5,682 |
| Total domestic deposits to total assets | 84.3321% | 4,175 |
| Equity capital to assets | 14.4280% | 942 |
| Core capital (leverage) ratio | 13.9565% | 816 |
| Tier 1 risk-based capital ratio | 22.8647% | 1,150 |
| Total risk-based capital ratio | 24.1264% | 1,132 |
| Memoranda: | ||
| Average total assets | $536,530,330 | 1,260 |
| Average earning assets | $492,927,000 | 1,249 |
| Average equity | $74,967,000 | 934 |
| Average total loans | $274,791,330 | 1,526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 2,442 |
| Cost of funding earning assets | 0.6844% | 4,417 |
| Net interest margin | 4.1660% | 1,865 |
| Noninterest income to average assets | 0.8465% | 1,960 |
| Noninterest expense to average assets | 2.5852% | 4,874 |
| Loan and lease loss provision to assets | 0.0067% | 5,196 |
| Net operating income to assets | 1.5868% | 881 |
| Return on assets (ROA) | 1.5913% | 979 |
| Pretax return on assets | 2.0886% | 648 |
| Return on Equity (ROE) | 11.5794% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.5794% | 909 |
| Net charge-offs to loans | 0.2906% | 2,507 |
| Credit loss provision to net charge-offs | 4.4554% | 3,962 |
| Earnings coverage of net charge-offs (x) | 13.8317% | 1,509 |
| Efficiency ratio | 53.8154% | 6,369 |
| Assets per employee ($millions) | 5.0326% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4717% | 1,396 |
| Loan loss allowance to noncurrent loans | 198.4489% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 4,365 |
| Noncurrent loans to loans | 1.2455% | 4,256 |
| Net loans and leases to total assets | 49.6888% | 5,349 |
| Net loans and leases to deposits | 58.6721% | 5,304 |
| Net loans and leases to core deposits | 60.4489% | 5,490 |
| Total domestic deposits to total assets | 84.6889% | 4,164 |
| Equity capital to assets | 13.9887% | 1,029 |
| Core capital (leverage) ratio | 13.6980% | 879 |
| Tier 1 risk-based capital ratio | 22.1501% | 1,263 |
| Total risk-based capital ratio | 23.4104% | 1,235 |
| Memoranda: | ||
| Average total assets | $534,900,000 | 1,268 |
| Average earning assets | $491,503,000 | 1,252 |
| Average equity | $73,510,000 | 946 |
| Average total loans | $278,074,500 | 1,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 1,790 |
| Cost of funding earning assets | 0.8565% | 4,429 |
| Net interest margin | 4.4187% | 1,351 |
| Noninterest income to average assets | 0.9874% | 1,402 |
| Noninterest expense to average assets | 2.6420% | 4,954 |
| Loan and lease loss provision to assets | 0.2725% | 3,495 |
| Net operating income to assets | 1.6003% | 661 |
| Return on assets (ROA) | 1.5863% | 746 |
| Pretax return on assets | 2.1136% | 431 |
| Return on Equity (ROE) | 11.7136% | 1,493 |
| Retained earnings to average equity (ytd only) | 5.3644% | 2,397 |
| Net charge-offs to loans | 0.3139% | 3,827 |
| Credit loss provision to net charge-offs | 154.5748% | 1,818 |
| Earnings coverage of net charge-offs (x) | 13.6426% | 1,524 |
| Efficiency ratio | 50.9455% | 6,780 |
| Assets per employee ($millions) | 5.0602% | 2,119 |
| Cash dividends to net income (ytd only)* | 54.2040% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 1,350 |
| Loan loss allowance to noncurrent loans | 213.8608% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 4,556 |
| Noncurrent loans to loans | 1.1572% | 4,433 |
| Net loans and leases to total assets | 51.7259% | 5,354 |
| Net loans and leases to deposits | 60.6817% | 5,412 |
| Net loans and leases to core deposits | 62.6133% | 5,587 |
| Total domestic deposits to total assets | 85.2414% | 3,725 |
| Equity capital to assets | 13.4935% | 1,266 |
| Core capital (leverage) ratio | 12.8203% | 1,210 |
| Tier 1 risk-based capital ratio | 20.8389% | 1,450 |
| Total risk-based capital ratio | 22.0970% | 1,423 |
| Memoranda: | ||
| Average total assets | $527,064,000 | 1,272 |
| Average earning assets | $484,189,400 | 1,261 |
| Average equity | $71,378,600 | 943 |
| Average total loans | $295,957,200 | 1,434 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 1,670 |
| Cost of funding earning assets | 0.8922% | 4,452 |
| Net interest margin | 4.4584% | 1,251 |
| Noninterest income to average assets | 1.0187% | 1,299 |
| Noninterest expense to average assets | 2.6592% | 4,873 |
| Loan and lease loss provision to assets | 0.0137% | 6,264 |
| Net operating income to assets | 1.8475% | 474 |
| Return on assets (ROA) | 1.8529% | 502 |
| Pretax return on assets | 2.4478% | 271 |
| Return on Equity (ROE) | 13.6696% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.6696% | 316 |
| Net charge-offs to loans | 0.2889% | 3,646 |
| Credit loss provision to net charge-offs | 8.3205% | 5,674 |
| Earnings coverage of net charge-offs (x) | 14.9199% | 1,502 |
| Efficiency ratio | 50.6097% | 6,796 |
| Assets per employee ($millions) | 5.1088% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0168% | 2,288 |
| Loan loss allowance to noncurrent loans | 215.9618% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 4,956 |
| Noncurrent loans to loans | 0.9339% | 5,012 |
| Net loans and leases to total assets | 53.1822% | 5,292 |
| Net loans and leases to deposits | 62.6815% | 5,325 |
| Net loans and leases to core deposits | 65.6932% | 5,443 |
| Total domestic deposits to total assets | 84.8451% | 3,850 |
| Equity capital to assets | 14.2545% | 1,064 |
| Core capital (leverage) ratio | 13.5509% | 1,027 |
| Tier 1 risk-based capital ratio | 21.1291% | 1,430 |
| Total risk-based capital ratio | 22.3851% | 1,407 |
| Memoranda: | ||
| Average total assets | $526,001,000 | 1,273 |
| Average earning assets | $483,118,000 | 1,268 |
| Average equity | $71,300,000 | 953 |
| Average total loans | $299,496,000 | 1,430 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 1,506 |
| Cost of funding earning assets | 0.9303% | 4,448 |
| Net interest margin | 4.4892% | 1,162 |
| Noninterest income to average assets | 0.9362% | 1,506 |
| Noninterest expense to average assets | 2.7382% | 4,663 |
| Loan and lease loss provision to assets | 0.0100% | 6,139 |
| Net operating income to assets | 1.7427% | 552 |
| Return on assets (ROA) | 1.7461% | 590 |
| Pretax return on assets | 2.3153% | 339 |
| Return on Equity (ROE) | 13.1132% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.1132% | 381 |
| Net charge-offs to loans | 0.2686% | 3,543 |
| Credit loss provision to net charge-offs | 6.4039% | 5,281 |
| Earnings coverage of net charge-offs (x) | 14.9335% | 1,444 |
| Efficiency ratio | 52.7124% | 6,744 |
| Assets per employee ($millions) | 4.8703% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 2,244 |
| Loan loss allowance to noncurrent loans | 139.8346% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 4,680 |
| Noncurrent loans to loans | 1.4626% | 4,229 |
| Net loans and leases to total assets | 53.9292% | 5,303 |
| Net loans and leases to deposits | 62.9754% | 5,395 |
| Net loans and leases to core deposits | 66.0289% | 5,512 |
| Total domestic deposits to total assets | 85.6354% | 3,530 |
| Equity capital to assets | 13.5050% | 1,290 |
| Core capital (leverage) ratio | 13.0776% | 1,119 |
| Tier 1 risk-based capital ratio | 20.0913% | 1,592 |
| Total risk-based capital ratio | 21.3479% | 1,571 |
| Memoranda: | ||
| Average total assets | $522,528,000 | 1,287 |
| Average earning assets | $479,863,670 | 1,281 |
| Average equity | $69,578,670 | 974 |
| Average total loans | $302,277,330 | 1,428 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 1,171 |
| Cost of funding earning assets | 0.9718% | 4,410 |
| Net interest margin | 4.5811% | 895 |
| Noninterest income to average assets | 0.9028% | 1,652 |
| Noninterest expense to average assets | 2.7514% | 4,638 |
| Loan and lease loss provision to assets | 0.0125% | 5,756 |
| Net operating income to assets | 1.7704% | 519 |
| Return on assets (ROA) | 1.7722% | 547 |
| Pretax return on assets | 2.3424% | 318 |
| Return on Equity (ROE) | 13.4092% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.4092% | 531 |
| Net charge-offs to loans | 0.3073% | 2,813 |
| Credit loss provision to net charge-offs | 6.8376% | 4,412 |
| Earnings coverage of net charge-offs (x) | 12.9060% | 1,474 |
| Efficiency ratio | 52.4878% | 6,822 |
| Assets per employee ($millions) | 4.7994% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 2,244 |
| Loan loss allowance to noncurrent loans | 171.2719% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 5,012 |
| Noncurrent loans to loans | 1.2097% | 4,663 |
| Net loans and leases to total assets | 56.4530% | 4,920 |
| Net loans and leases to deposits | 65.7861% | 5,004 |
| Net loans and leases to core deposits | 69.3209% | 5,128 |
| Total domestic deposits to total assets | 85.8130% | 3,630 |
| Equity capital to assets | 13.2870% | 1,266 |
| Core capital (leverage) ratio | 12.8314% | 1,185 |
| Tier 1 risk-based capital ratio | 18.1800% | 2,060 |
| Total risk-based capital ratio | 19.4358% | 2,022 |
| Memoranda: | ||
| Average total assets | $513,491,500 | 1,316 |
| Average earning assets | $470,888,500 | 1,312 |
| Average equity | $67,864,000 | 992 |
| Average total loans | $304,601,500 | 1,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9142% | 1,013 |
| Cost of funding earning assets | 1.1248% | 4,999 |
| Net interest margin | 4.7894% | 674 |
| Noninterest income to average assets | 0.9401% | 1,706 |
| Noninterest expense to average assets | 2.7601% | 4,741 |
| Loan and lease loss provision to assets | 0.3900% | 3,774 |
| Net operating income to assets | 1.6397% | 583 |
| Return on assets (ROA) | 1.6183% | 648 |
| Pretax return on assets | 2.1582% | 355 |
| Return on Equity (ROE) | 12.3120% | 1,253 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,012 |
| Net charge-offs to loans | 0.4160% | 3,958 |
| Credit loss provision to net charge-offs | 151.6450% | 2,373 |
| Earnings coverage of net charge-offs (x) | 10.0199% | 1,764 |
| Efficiency ratio | 50.2286% | 7,107 |
| Assets per employee ($millions) | 4.6653% | 2,603 |
| Cash dividends to net income (ytd only)* | 54.0304% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 2,067 |
| Loan loss allowance to noncurrent loans | 394.3293% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 5,928 |
| Noncurrent loans to loans | 0.5331% | 5,982 |
| Net loans and leases to total assets | 59.7725% | 4,716 |
| Net loans and leases to deposits | 69.5502% | 4,868 |
| Net loans and leases to core deposits | 73.5917% | 5,031 |
| Total domestic deposits to total assets | 85.9414% | 3,388 |
| Equity capital to assets | 13.1426% | 1,322 |
| Core capital (leverage) ratio | 12.4659% | 1,331 |
| Tier 1 risk-based capital ratio | 17.4707% | 2,186 |
| Total risk-based capital ratio | 18.7268% | 2,150 |
| Memoranda: | ||
| Average total assets | $508,245,800 | 1,315 |
| Average earning assets | $466,569,400 | 1,318 |
| Average equity | $66,804,800 | 1,005 |
| Average total loans | $314,190,800 | 1,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 1,087 |
| Cost of funding earning assets | 1.1559% | 5,113 |
| Net interest margin | 4.7625% | 730 |
| Noninterest income to average assets | 0.9384% | 1,653 |
| Noninterest expense to average assets | 2.6585% | 5,074 |
| Loan and lease loss provision to assets | 0.0113% | 6,913 |
| Net operating income to assets | 1.9262% | 385 |
| Return on assets (ROA) | 1.9292% | 420 |
| Pretax return on assets | 2.6486% | 183 |
| Return on Equity (ROE) | 14.6770% | 916 |
| Retained earnings to average equity (ytd only) | 14.6770% | 228 |
| Net charge-offs to loans | 0.3124% | 4,088 |
| Credit loss provision to net charge-offs | 5.8108% | 6,351 |
| Earnings coverage of net charge-offs (x) | 13.7095% | 1,561 |
| Efficiency ratio | 48.5001% | 7,241 |
| Assets per employee ($millions) | 4.7236% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 3,397 |
| Loan loss allowance to noncurrent loans | 210.6242% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 5,982 |
| Noncurrent loans to loans | 0.7758% | 5,660 |
| Net loans and leases to total assets | 59.5677% | 4,985 |
| Net loans and leases to deposits | 69.9893% | 5,146 |
| Net loans and leases to core deposits | 74.0440% | 5,283 |
| Total domestic deposits to total assets | 85.1098% | 3,568 |
| Equity capital to assets | 13.9393% | 1,182 |
| Core capital (leverage) ratio | 13.1722% | 1,166 |
| Tier 1 risk-based capital ratio | 18.2797% | 1,942 |
| Total risk-based capital ratio | 19.5318% | 1,898 |
| Memoranda: | ||
| Average total assets | $509,345,000 | 1,322 |
| Average earning assets | $467,979,250 | 1,323 |
| Average equity | $66,951,250 | 1,000 |
| Average total loans | $315,831,000 | 1,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9206% | 1,135 |
| Cost of funding earning assets | 1.2079% | 5,080 |
| Net interest margin | 4.7127% | 800 |
| Noninterest income to average assets | 0.9367% | 1,557 |
| Noninterest expense to average assets | 2.6766% | 5,008 |
| Loan and lease loss provision to assets | 0.0110% | 6,793 |
| Net operating income to assets | 1.8831% | 415 |
| Return on assets (ROA) | 1.8940% | 446 |
| Pretax return on assets | 2.5923% | 202 |
| Return on Equity (ROE) | 14.7096% | 908 |
| Retained earnings to average equity (ytd only) | 14.7096% | 263 |
| Net charge-offs to loans | 0.2365% | 4,187 |
| Credit loss provision to net charge-offs | 7.4667% | 5,967 |
| Earnings coverage of net charge-offs (x) | 17.5147% | 1,338 |
| Efficiency ratio | 49.2141% | 7,275 |
| Assets per employee ($millions) | 4.5111% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 2,918 |
| Loan loss allowance to noncurrent loans | 484.8620% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,705 |
| Noncurrent loans to loans | 0.3599% | 6,513 |
| Net loans and leases to total assets | 59.0936% | 5,232 |
| Net loans and leases to deposits | 68.7138% | 5,459 |
| Net loans and leases to core deposits | 72.7686% | 5,589 |
| Total domestic deposits to total assets | 85.9997% | 3,092 |
| Equity capital to assets | 13.0849% | 1,535 |
| Core capital (leverage) ratio | 12.7944% | 1,283 |
| Tier 1 risk-based capital ratio | 17.4754% | 2,107 |
| Total risk-based capital ratio | 18.7282% | 2,070 |
| Memoranda: | ||
| Average total assets | $507,501,330 | 1,336 |
| Average earning assets | $466,099,670 | 1,333 |
| Average equity | $65,345,000 | 1,020 |
| Average total loans | $317,176,330 | 1,448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 894 |
| Cost of funding earning assets | 1.2915% | 4,864 |
| Net interest margin | 4.7544% | 699 |
| Noninterest income to average assets | 0.8751% | 1,720 |
| Noninterest expense to average assets | 2.7729% | 4,594 |
| Loan and lease loss provision to assets | 0.0183% | 6,455 |
| Net operating income to assets | 1.7956% | 499 |
| Return on assets (ROA) | 1.7933% | 552 |
| Pretax return on assets | 2.4437% | 271 |
| Return on Equity (ROE) | 14.0457% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.0457% | 503 |
| Net charge-offs to loans | 0.3065% | 3,188 |
| Credit loss provision to net charge-offs | 9.3878% | 5,053 |
| Earnings coverage of net charge-offs (x) | 12.6245% | 1,553 |
| Efficiency ratio | 51.0651% | 7,236 |
| Assets per employee ($millions) | 4.5500% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 2,865 |
| Loan loss allowance to noncurrent loans | 272.3716% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 6,261 |
| Noncurrent loans to loans | 0.6462% | 6,031 |
| Net loans and leases to total assets | 61.0078% | 4,939 |
| Net loans and leases to deposits | 70.8566% | 5,222 |
| Net loans and leases to core deposits | 75.4935% | 5,329 |
| Total domestic deposits to total assets | 86.1004% | 3,096 |
| Equity capital to assets | 12.8682% | 1,571 |
| Core capital (leverage) ratio | 12.4011% | 1,450 |
| Tier 1 risk-based capital ratio | 16.7084% | 2,373 |
| Total risk-based capital ratio | 17.9614% | 2,324 |
| Memoranda: | ||
| Average total assets | $501,862,000 | 1,387 |
| Average earning assets | $460,540,000 | 1,378 |
| Average equity | $64,076,500 | 1,041 |
| Average total loans | $319,759,000 | 1,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3728% | 880 |
| Cost of funding earning assets | 1.6672% | 4,690 |
| Net interest margin | 4.7056% | 823 |
| Noninterest income to average assets | 1.0099% | 1,538 |
| Noninterest expense to average assets | 2.8907% | 4,566 |
| Loan and lease loss provision to assets | 0.3263% | 4,856 |
| Net operating income to assets | 1.5410% | 622 |
| Return on assets (ROA) | 1.4973% | 731 |
| Pretax return on assets | 2.0452% | 375 |
| Return on Equity (ROE) | 12.1366% | 1,129 |
| Retained earnings to average equity (ytd only) | 5.0218% | 1,808 |
| Net charge-offs to loans | 0.2502% | 5,059 |
| Credit loss provision to net charge-offs | 199.2620% | 1,966 |
| Earnings coverage of net charge-offs (x) | 14.8475% | 1,346 |
| Efficiency ratio | 52.4505% | 7,352 |
| Assets per employee ($millions) | 4.4118% | 3,087 |
| Cash dividends to net income (ytd only)* | 58.6225% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 2,565 |
| Loan loss allowance to noncurrent loans | 412.2420% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 6,543 |
| Noncurrent loans to loans | 0.4349% | 6,401 |
| Net loans and leases to total assets | 64.2067% | 4,560 |
| Net loans and leases to deposits | 74.2835% | 4,994 |
| Net loans and leases to core deposits | 85.8326% | 5,533 |
| Total domestic deposits to total assets | 86.4347% | 2,800 |
| Equity capital to assets | 12.6641% | 1,664 |
| Core capital (leverage) ratio | 11.8784% | 1,719 |
| Tier 1 risk-based capital ratio | 15.8928% | 2,570 |
| Total risk-based capital ratio | 17.1922% | 2,475 |
| Memoranda: | ||
| Average total assets | $496,488,800 | 1,387 |
| Average earning assets | $454,965,000 | 1,386 |
| Average equity | $61,252,600 | 1,080 |
| Average total loans | $324,988,200 | 1,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3664% | 991 |
| Cost of funding earning assets | 1.7170% | 4,816 |
| Net interest margin | 4.6494% | 909 |
| Noninterest income to average assets | 0.9978% | 1,614 |
| Noninterest expense to average assets | 2.8622% | 4,604 |
| Loan and lease loss provision to assets | 0.0990% | 6,375 |
| Net operating income to assets | 1.7146% | 546 |
| Return on assets (ROA) | 1.7132% | 580 |
| Pretax return on assets | 2.2968% | 292 |
| Return on Equity (ROE) | 13.9782% | 935 |
| Retained earnings to average equity (ytd only) | 13.9782% | 196 |
| Net charge-offs to loans | 0.2552% | 4,456 |
| Credit loss provision to net charge-offs | 59.2295% | 6,185 |
| Earnings coverage of net charge-offs (x) | 14.3482% | 1,605 |
| Efficiency ratio | 52.5293% | 7,371 |
| Assets per employee ($millions) | 4.4882% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 3,783 |
| Loan loss allowance to noncurrent loans | 374.2880% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 6,797 |
| Noncurrent loans to loans | 0.3820% | 6,581 |
| Net loans and leases to total assets | 64.3118% | 4,795 |
| Net loans and leases to deposits | 75.2236% | 5,174 |
| Net loans and leases to core deposits | 87.3481% | 5,712 |
| Total domestic deposits to total assets | 85.4942% | 2,969 |
| Equity capital to assets | 13.0427% | 1,678 |
| Core capital (leverage) ratio | 12.5139% | 1,577 |
| Tier 1 risk-based capital ratio | 16.4344% | 2,460 |
| Total risk-based capital ratio | 17.6684% | 2,403 |
| Memoranda: | ||
| Average total assets | $497,081,000 | 1,404 |
| Average earning assets | $455,674,250 | 1,399 |
| Average equity | $60,921,750 | 1,107 |
| Average total loans | $325,472,750 | 1,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3950% | 1,018 |
| Cost of funding earning assets | 1.7765% | 4,878 |
| Net interest margin | 4.6184% | 922 |
| Noninterest income to average assets | 0.9921% | 1,619 |
| Noninterest expense to average assets | 2.9187% | 4,435 |
| Loan and lease loss provision to assets | 0.0207% | 7,023 |
| Net operating income to assets | 1.6977% | 570 |
| Return on assets (ROA) | 1.6941% | 627 |
| Pretax return on assets | 2.2730% | 309 |
| Return on Equity (ROE) | 14.1333% | 968 |
| Retained earnings to average equity (ytd only) | 14.1333% | 251 |
| Net charge-offs to loans | 0.2237% | 4,099 |
| Credit loss provision to net charge-offs | 14.0884% | 6,167 |
| Earnings coverage of net charge-offs (x) | 15.6740% | 1,579 |
| Efficiency ratio | 54.0259% | 7,328 |
| Assets per employee ($millions) | 4.4506% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 3,566 |
| Loan loss allowance to noncurrent loans | 341.6667% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 6,780 |
| Noncurrent loans to loans | 0.4188% | 6,464 |
| Net loans and leases to total assets | 63.4675% | 5,084 |
| Net loans and leases to deposits | 73.4253% | 5,546 |
| Net loans and leases to core deposits | 85.0691% | 6,006 |
| Total domestic deposits to total assets | 86.4382% | 2,544 |
| Equity capital to assets | 12.1136% | 2,142 |
| Core capital (leverage) ratio | 12.3587% | 1,669 |
| Tier 1 risk-based capital ratio | 15.8548% | 2,677 |
| Total risk-based capital ratio | 17.0907% | 2,619 |
| Memoranda: | ||
| Average total assets | $493,717,670 | 1,432 |
| Average earning assets | $451,667,330 | 1,431 |
| Average equity | $59,179,330 | 1,145 |
| Average total loans | $323,663,000 | 1,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4926% | 877 |
| Cost of funding earning assets | 1.8548% | 4,856 |
| Net interest margin | 4.6378% | 882 |
| Noninterest income to average assets | 0.9686% | 1,572 |
| Noninterest expense to average assets | 2.8803% | 4,229 |
| Loan and lease loss provision to assets | 0.0222% | 6,621 |
| Net operating income to assets | 1.7105% | 633 |
| Return on assets (ROA) | 1.7014% | 709 |
| Pretax return on assets | 2.2896% | 371 |
| Return on Equity (ROE) | 14.2732% | 1,112 |
| Retained earnings to average equity (ytd only) | 14.2732% | 491 |
| Net charge-offs to loans | 0.1304% | 3,919 |
| Credit loss provision to net charge-offs | 25.7143% | 5,000 |
| Earnings coverage of net charge-offs (x) | 26.9429% | 1,156 |
| Efficiency ratio | 53.4017% | 7,278 |
| Assets per employee ($millions) | 4.3374% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 2,857 |
| Loan loss allowance to noncurrent loans | 277.7023% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,404 |
| Noncurrent loans to loans | 0.5480% | 6,048 |
| Net loans and leases to total assets | 64.7893% | 4,846 |
| Net loans and leases to deposits | 74.8799% | 5,362 |
| Net loans and leases to core deposits | 85.5533% | 5,941 |
| Total domestic deposits to total assets | 86.5243% | 2,432 |
| Equity capital to assets | 11.9683% | 2,285 |
| Core capital (leverage) ratio | 12.0904% | 1,858 |
| Tier 1 risk-based capital ratio | 15.3652% | 2,909 |
| Total risk-based capital ratio | 16.6176% | 2,844 |
| Memoranda: | ||
| Average total assets | $486,894,000 | 1,458 |
| Average earning assets | $444,692,000 | 1,457 |
| Average equity | $58,039,000 | 1,170 |
| Average total loans | $322,151,500 | 1,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8947% | 1,414 |
| Cost of funding earning assets | 2.1200% | 5,966 |
| Net interest margin | 4.7747% | 821 |
| Noninterest income to average assets | 1.2026% | 1,032 |
| Noninterest expense to average assets | 2.7722% | 4,941 |
| Loan and lease loss provision to assets | 0.0601% | 6,657 |
| Net operating income to assets | 2.0246% | 331 |
| Return on assets (ROA) | 0.1786% | 5,748 |
| Pretax return on assets | -0.1286% | 6,301 |
| Return on Equity (ROE) | 1.3899% | 5,800 |
| Retained earnings to average equity (ytd only) | -5.6397% | 6,610 |
| Net charge-offs to loans | 0.0926% | 5,408 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 46.8566% | 796 |
| Efficiency ratio | 47.7551% | 7,827 |
| Assets per employee ($millions) | 4.2802% | 2,987 |
| Cash dividends to net income (ytd only)* | 505.7647% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 2,457 |
| Loan loss allowance to noncurrent loans | 367.3545% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 6,425 |
| Noncurrent loans to loans | 0.4216% | 6,079 |
| Net loans and leases to total assets | 65.5130% | 4,947 |
| Net loans and leases to deposits | 75.4643% | 5,657 |
| Net loans and leases to core deposits | 85.6157% | 6,161 |
| Total domestic deposits to total assets | 86.8133% | 2,026 |
| Equity capital to assets | 11.8715% | 2,373 |
| Core capital (leverage) ratio | 11.8464% | 2,060 |
| Tier 1 risk-based capital ratio | 14.9118% | 3,083 |
| Total risk-based capital ratio | 16.1625% | 3,006 |
| Memoranda: | ||
| Average total assets | $475,900,000 | 1,447 |
| Average earning assets | $437,119,400 | 1,434 |
| Average equity | $61,156,000 | 1,100 |
| Average total loans | $308,968,800 | 1,569 |