Home > Touchstone Bank > Performance and Condition Ratios
Touchstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 2,201 |
| Cost of funding earning assets | 1.2752% | 2,583 |
| Net interest margin | 3.6620% | 1,831 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.3053% | 732 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.3965% | 3,880 |
| Return on assets (ROA) | 0.3965% | 3,868 |
| Pretax return on assets | 0.4756% | 3,856 |
| Return on Equity (ROE) | 4.8300% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.8272% | 2,665 |
| Net charge-offs to loans | 0.0153% | 2,091 |
| Credit loss provision to net charge-offs | 227.2727% | 1,132 |
| Earnings coverage of net charge-offs (x) | 52.5844% | 1,265 |
| Efficiency ratio | 83.2611% | 704 |
| Assets per employee ($millions) | 5.7702% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,421 |
| Loan loss allowance to noncurrent loans | 1,168.7793% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,140 |
| Noncurrent loans to loans | 0.0837% | 3,128 |
| Net loans and leases to total assets | 76.5900% | 1,035 |
| Net loans and leases to deposits | 91.7885% | 1,113 |
| Net loans and leases to core deposits | 96.9006% | 1,607 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 8.5558% | 3,008 |
| Core capital (leverage) ratio | 9.6797% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $645,656,600 | 1,384 |
| Average earning assets | $596,939,000 | 1,384 |
| Average equity | $53,033,000 | 1,529 |
| Average total loans | $502,197,000 | 1,230 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 2,190 |
| Cost of funding earning assets | 1.1602% | 2,565 |
| Net interest margin | 3.6765% | 1,831 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 3.3829% | 641 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.2728% | 4,149 |
| Return on assets (ROA) | 0.2728% | 4,150 |
| Pretax return on assets | 0.3189% | 4,149 |
| Return on Equity (ROE) | 3.3600% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.3574% | 3,428 |
| Net charge-offs to loans | 0.0152% | 1,852 |
| Credit loss provision to net charge-offs | 307.0175% | 872 |
| Earnings coverage of net charge-offs (x) | 47.7368% | 1,333 |
| Efficiency ratio | 84.8838% | 566 |
| Assets per employee ($millions) | 5.7411% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,482 |
| Loan loss allowance to noncurrent loans | 1,592.0382% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,331 |
| Noncurrent loans to loans | 0.0613% | 3,316 |
| Net loans and leases to total assets | 76.8600% | 1,008 |
| Net loans and leases to deposits | 91.1589% | 1,131 |
| Net loans and leases to core deposits | 97.3379% | 1,488 |
| Total domestic deposits to total assets | 84.3200% | 2,682 |
| Equity capital to assets | 7.8125% | 3,175 |
| Core capital (leverage) ratio | 9.7149% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $642,620,750 | 1,388 |
| Average earning assets | $593,766,500 | 1,394 |
| Average equity | $52,221,250 | 1,542 |
| Average total loans | $500,543,750 | 1,233 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 2,017 |
| Cost of funding earning assets | 1.0310% | 2,499 |
| Net interest margin | 3.7576% | 1,705 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 3.4616% | 565 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 0.1841% | 4,298 |
| Return on assets (ROA) | 0.1841% | 4,321 |
| Pretax return on assets | 0.1973% | 4,322 |
| Return on Equity (ROE) | 2.2400% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.2351% | 3,663 |
| Net charge-offs to loans | 0.0032% | 2,206 |
| Credit loss provision to net charge-offs | 1,250.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 217.1250% | 564 |
| Efficiency ratio | 85.5542% | 515 |
| Assets per employee ($millions) | 5.0709% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,494 |
| Loan loss allowance to noncurrent loans | 1,497.8916% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,264 |
| Noncurrent loans to loans | 0.0657% | 3,230 |
| Net loans and leases to total assets | 77.7500% | 863 |
| Net loans and leases to deposits | 93.1955% | 937 |
| Net loans and leases to core deposits | 99.1273% | 1,282 |
| Total domestic deposits to total assets | 83.4200% | 2,955 |
| Equity capital to assets | 8.1253% | 3,137 |
| Core capital (leverage) ratio | 9.8021% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $636,752,000 | 1,397 |
| Average earning assets | $587,976,000 | 1,403 |
| Average equity | $52,435,000 | 1,538 |
| Average total loans | $496,565,333 | 1,224 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 1,763 |
| Cost of funding earning assets | 0.8494% | 2,538 |
| Net interest margin | 3.8881% | 1,499 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.4508% | 572 |
| Loan and lease loss provision to assets | 0.6400% | 109 |
| Net operating income to assets | 0.0284% | 4,464 |
| Return on assets (ROA) | 0.0284% | 4,450 |
| Pretax return on assets | -0.0171% | 4,471 |
| Return on Equity (ROE) | 0.3400% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.3429% | 3,971 |
| Net charge-offs to loans | -0.0236% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.9230% | 594 |
| Assets per employee ($millions) | 4.9564% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,563 |
| Loan loss allowance to noncurrent loans | 1,379.2135% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,231 |
| Noncurrent loans to loans | 0.0717% | 3,219 |
| Net loans and leases to total assets | 76.3400% | 943 |
| Net loans and leases to deposits | 88.3362% | 1,178 |
| Net loans and leases to core deposits | 94.6117% | 1,354 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 8.3258% | 3,023 |
| Core capital (leverage) ratio | 9.8855% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $633,126,500 | 1,430 |
| Average earning assets | $584,863,500 | 1,431 |
| Average equity | $52,489,000 | 1,549 |
| Average total loans | $492,018,000 | 1,244 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 1,379 |
| Cost of funding earning assets | 0.2693% | 3,160 |
| Net interest margin | 3.8683% | 1,034 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.1065% | 828 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8502% | 3,148 |
| Return on assets (ROA) | 0.8308% | 3,145 |
| Pretax return on assets | 0.9574% | 3,201 |
| Return on Equity (ROE) | 9.5400% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.6355% | 1,973 |
| Net charge-offs to loans | 0.0220% | 1,625 |
| Credit loss provision to net charge-offs | 611.1111% | 594 |
| Earnings coverage of net charge-offs (x) | 65.7980% | 1,191 |
| Efficiency ratio | 73.2335% | 1,294 |
| Assets per employee ($millions) | 4.7840% | 3,829 |
| Cash dividends to net income (ytd only)* | 19.9601% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,373 |
| Loan loss allowance to noncurrent loans | 1,162.1429% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,121 |
| Noncurrent loans to loans | 0.0862% | 3,137 |
| Net loans and leases to total assets | 77.5600% | 842 |
| Net loans and leases to deposits | 89.9204% | 1,059 |
| Net loans and leases to core deposits | 96.2783% | 1,190 |
| Total domestic deposits to total assets | 86.2500% | 2,660 |
| Equity capital to assets | 8.2538% | 2,892 |
| Core capital (leverage) ratio | 10.1330% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $603,061,000 | 1,471 |
| Average earning assets | $557,759,000 | 1,483 |
| Average equity | $52,517,800 | 1,553 |
| Average total loans | $449,147,200 | 1,275 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 1,206 |
| Cost of funding earning assets | 0.2314% | 2,911 |
| Net interest margin | 3.7979% | 957 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 3.0343% | 866 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8126% | 3,203 |
| Return on assets (ROA) | 0.7861% | 3,260 |
| Pretax return on assets | 0.8971% | 3,324 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9065% | 1,679 |
| Net charge-offs to loans | 0.0258% | 1,309 |
| Credit loss provision to net charge-offs | 711.7647% | 509 |
| Earnings coverage of net charge-offs (x) | 56.0706% | 1,223 |
| Efficiency ratio | 73.0566% | 1,381 |
| Assets per employee ($millions) | 4.8779% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,297 |
| Loan loss allowance to noncurrent loans | 1,390.6250% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,321 |
| Noncurrent loans to loans | 0.0748% | 3,340 |
| Net loans and leases to total assets | 75.7200% | 935 |
| Net loans and leases to deposits | 83.7443% | 1,321 |
| Net loans and leases to core deposits | 86.4161% | 1,505 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 8.1460% | 2,797 |
| Core capital (leverage) ratio | 10.1117% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $598,346,000 | 1,494 |
| Average earning assets | $553,664,500 | 1,500 |
| Average equity | $52,814,250 | 1,567 |
| Average total loans | $439,630,000 | 1,284 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 1,092 |
| Cost of funding earning assets | 0.2287% | 2,522 |
| Net interest margin | 3.6843% | 935 |
| Noninterest income to average assets | 0.5805% | 1,824 |
| Noninterest expense to average assets | 3.0199% | 820 |
| Loan and lease loss provision to assets | 0.1687% | 545 |
| Net operating income to assets | 0.7407% | 3,175 |
| Return on assets (ROA) | 0.7407% | 3,131 |
| Pretax return on assets | 0.8038% | 3,317 |
| Return on Equity (ROE) | 8.1742% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.1742% | 1,558 |
| Net charge-offs to loans | 0.0233% | 1,258 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 57.6600% | 1,097 |
| Efficiency ratio | 74.5607% | 1,447 |
| Assets per employee ($millions) | 4.9079% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,357 |
| Loan loss allowance to noncurrent loans | 6,892.8571% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,914 |
| Noncurrent loans to loans | 0.0153% | 3,853 |
| Net loans and leases to total assets | 75.1327% | 809 |
| Net loans and leases to deposits | 82.7293% | 1,196 |
| Net loans and leases to core deposits | 85.8122% | 1,350 |
| Total domestic deposits to total assets | 90.8175% | 1,329 |
| Equity capital to assets | 8.6520% | 2,650 |
| Core capital (leverage) ratio | 9.9856% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,924,667 | 1,514 |
| Average earning assets | $549,091,333 | 1,525 |
| Average equity | $53,730,333 | 1,591 |
| Average total loans | $429,409,000 | 1,304 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 1,174 |
| Cost of funding earning assets | 0.2338% | 2,338 |
| Net interest margin | 3.5195% | 1,053 |
| Noninterest income to average assets | 0.5909% | 1,732 |
| Noninterest expense to average assets | 2.9335% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9143% | 2,232 |
| Return on assets (ROA) | 0.9143% | 2,230 |
| Pretax return on assets | 0.9170% | 2,712 |
| Return on Equity (ROE) | 9.8604% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.8604% | 1,057 |
| Net charge-offs to loans | 0.0472% | 820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 27.4898% | 1,173 |
| Efficiency ratio | 75.0354% | 1,628 |
| Assets per employee ($millions) | 5.1223% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,665 |
| Loan loss allowance to noncurrent loans | 1,703.1496% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,611 |
| Noncurrent loans to loans | 0.0595% | 3,560 |
| Net loans and leases to total assets | 71.1329% | 914 |
| Net loans and leases to deposits | 78.5803% | 1,243 |
| Net loans and leases to core deposits | 81.6476% | 1,368 |
| Total domestic deposits to total assets | 90.5226% | 1,282 |
| Equity capital to assets | 8.9055% | 2,797 |
| Core capital (leverage) ratio | 9.5910% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $587,551,000 | 1,539 |
| Average earning assets | $544,162,000 | 1,552 |
| Average equity | $54,480,500 | 1,613 |
| Average total loans | $414,923,500 | 1,331 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 1,305 |
| Cost of funding earning assets | 0.3193% | 2,206 |
| Net interest margin | 3.7048% | 1,200 |
| Noninterest income to average assets | 0.6432% | 1,973 |
| Noninterest expense to average assets | 3.1003% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7590% | 3,459 |
| Return on assets (ROA) | 0.7894% | 3,434 |
| Pretax return on assets | 0.9959% | 3,268 |
| Return on Equity (ROE) | 8.1514% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.3286% | 2,212 |
| Net charge-offs to loans | -0.0047% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1523% | 1,194 |
| Assets per employee ($millions) | 5.3294% | 3,441 |
| Cash dividends to net income (ytd only)* | 22.3614% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,411 |
| Loan loss allowance to noncurrent loans | 1,729.2490% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,692 |
| Noncurrent loans to loans | 0.0628% | 3,635 |
| Net loans and leases to total assets | 68.5958% | 1,199 |
| Net loans and leases to deposits | 76.4813% | 1,529 |
| Net loans and leases to core deposits | 79.9793% | 1,595 |
| Total domestic deposits to total assets | 89.6896% | 1,116 |
| Equity capital to assets | 9.5564% | 3,095 |
| Core capital (leverage) ratio | 9.1789% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,531,600 | 1,524 |
| Average earning assets | $522,130,000 | 1,541 |
| Average equity | $54,861,800 | 1,635 |
| Average total loans | $380,810,400 | 1,426 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 1,352 |
| Cost of funding earning assets | 0.3359% | 2,240 |
| Net interest margin | 3.7443% | 1,237 |
| Noninterest income to average assets | 0.5961% | 2,227 |
| Noninterest expense to average assets | 3.1017% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8184% | 3,477 |
| Return on assets (ROA) | 0.8619% | 3,413 |
| Pretax return on assets | 0.9867% | 3,502 |
| Return on Equity (ROE) | 8.8702% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.8702% | 1,748 |
| Net charge-offs to loans | -0.0313% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5146% | 1,075 |
| Assets per employee ($millions) | 5.1013% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,081 |
| Loan loss allowance to noncurrent loans | 352.7778% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,706 |
| Noncurrent loans to loans | 0.3342% | 2,586 |
| Net loans and leases to total assets | 63.5079% | 1,834 |
| Net loans and leases to deposits | 71.0116% | 2,143 |
| Net loans and leases to core deposits | 73.9436% | 2,248 |
| Total domestic deposits to total assets | 89.4332% | 1,049 |
| Equity capital to assets | 9.5536% | 3,328 |
| Core capital (leverage) ratio | 9.4778% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $562,937,000 | 1,547 |
| Average earning assets | $517,532,000 | 1,559 |
| Average equity | $54,698,750 | 1,660 |
| Average total loans | $375,299,250 | 1,468 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 1,459 |
| Cost of funding earning assets | 0.3618% | 2,212 |
| Net interest margin | 3.6855% | 1,383 |
| Noninterest income to average assets | 0.5942% | 2,242 |
| Noninterest expense to average assets | 3.0431% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7596% | 3,616 |
| Return on assets (ROA) | 0.8212% | 3,513 |
| Pretax return on assets | 1.0111% | 3,424 |
| Return on Equity (ROE) | 8.4019% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.4019% | 1,936 |
| Net charge-offs to loans | -0.0443% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1449% | 1,155 |
| Assets per employee ($millions) | 4.9445% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,160 |
| Loan loss allowance to noncurrent loans | 255.4661% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 2,354 |
| Noncurrent loans to loans | 0.4526% | 2,318 |
| Net loans and leases to total assets | 67.3333% | 1,535 |
| Net loans and leases to deposits | 75.5248% | 1,869 |
| Net loans and leases to core deposits | 78.7910% | 1,982 |
| Total domestic deposits to total assets | 89.1539% | 1,198 |
| Equity capital to assets | 9.8124% | 3,042 |
| Core capital (leverage) ratio | 9.3673% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,032,333 | 1,563 |
| Average earning assets | $509,625,000 | 1,579 |
| Average equity | $54,249,667 | 1,660 |
| Average total loans | $374,727,333 | 1,473 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 1,736 |
| Cost of funding earning assets | 0.3907% | 2,166 |
| Net interest margin | 3.5454% | 1,713 |
| Noninterest income to average assets | 0.5934% | 2,240 |
| Noninterest expense to average assets | 2.9220% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7546% | 3,561 |
| Return on assets (ROA) | 0.7605% | 3,616 |
| Pretax return on assets | 0.9348% | 3,525 |
| Return on Equity (ROE) | 7.7961% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.7961% | 2,316 |
| Net charge-offs to loans | -0.0313% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4717% | 1,267 |
| Assets per employee ($millions) | 5.3155% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,135 |
| Loan loss allowance to noncurrent loans | 213.8469% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 2,339 |
| Noncurrent loans to loans | 0.5438% | 2,229 |
| Net loans and leases to total assets | 65.5436% | 1,857 |
| Net loans and leases to deposits | 75.5625% | 1,961 |
| Net loans and leases to core deposits | 78.7241% | 2,119 |
| Total domestic deposits to total assets | 86.7410% | 2,425 |
| Equity capital to assets | 9.4230% | 3,272 |
| Core capital (leverage) ratio | 9.5979% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,711,000 | 1,559 |
| Average earning assets | $505,788,500 | 1,573 |
| Average equity | $53,719,500 | 1,660 |
| Average total loans | $370,100,500 | 1,487 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,098 |
| Cost of funding earning assets | 0.6339% | 2,097 |
| Net interest margin | 3.9657% | 1,048 |
| Noninterest income to average assets | 0.4752% | 2,753 |
| Noninterest expense to average assets | 3.0345% | 1,364 |
| Loan and lease loss provision to assets | 0.4485% | 623 |
| Net operating income to assets | 0.4946% | 4,041 |
| Return on assets (ROA) | 0.5133% | 4,084 |
| Pretax return on assets | 0.6152% | 4,049 |
| Return on Equity (ROE) | 5.1770% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.1665% | 3,253 |
| Net charge-offs to loans | 0.0479% | 2,111 |
| Credit loss provision to net charge-offs | 1,300.5780% | 642 |
| Earnings coverage of net charge-offs (x) | 30.1908% | 1,608 |
| Efficiency ratio | 72.8344% | 1,593 |
| Assets per employee ($millions) | 4.9781% | 3,414 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,949 |
| Loan loss allowance to noncurrent loans | 182.0727% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 2,214 |
| Noncurrent loans to loans | 0.6592% | 2,033 |
| Net loans and leases to total assets | 67.3358% | 1,913 |
| Net loans and leases to deposits | 79.5493% | 1,918 |
| Net loans and leases to core deposits | 83.3023% | 2,100 |
| Total domestic deposits to total assets | 84.6465% | 2,898 |
| Equity capital to assets | 10.1087% | 3,022 |
| Core capital (leverage) ratio | 9.6340% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,636,000 | 1,550 |
| Average earning assets | $455,430,000 | 1,581 |
| Average equity | $49,738,800 | 1,699 |
| Average total loans | $361,123,200 | 1,473 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,210 |
| Cost of funding earning assets | 0.6778% | 2,153 |
| Net interest margin | 3.9607% | 1,211 |
| Noninterest income to average assets | 0.5383% | 2,433 |
| Noninterest expense to average assets | 3.2285% | 1,022 |
| Loan and lease loss provision to assets | 0.4050% | 863 |
| Net operating income to assets | 0.4117% | 4,238 |
| Return on assets (ROA) | 0.4373% | 4,259 |
| Pretax return on assets | 0.5210% | 4,243 |
| Return on Equity (ROE) | 4.4341% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.4341% | 2,833 |
| Net charge-offs to loans | 0.0388% | 2,074 |
| Credit loss provision to net charge-offs | 1,428.5714% | 639 |
| Earnings coverage of net charge-offs (x) | 31.5905% | 1,539 |
| Efficiency ratio | 76.6366% | 1,143 |
| Assets per employee ($millions) | 4.8359% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,746 |
| Loan loss allowance to noncurrent loans | 128.1381% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 2,070 |
| Noncurrent loans to loans | 0.7719% | 1,886 |
| Net loans and leases to total assets | 69.7868% | 1,984 |
| Net loans and leases to deposits | 81.9066% | 2,106 |
| Net loans and leases to core deposits | 86.2096% | 2,285 |
| Total domestic deposits to total assets | 85.2029% | 2,359 |
| Equity capital to assets | 9.5016% | 3,683 |
| Core capital (leverage) ratio | 9.2006% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,879,500 | 1,550 |
| Average earning assets | $447,120,750 | 1,586 |
| Average equity | $48,712,250 | 1,728 |
| Average total loans | $360,646,750 | 1,469 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,133 |
| Cost of funding earning assets | 0.7311% | 2,232 |
| Net interest margin | 4.0844% | 1,150 |
| Noninterest income to average assets | 0.4971% | 2,583 |
| Noninterest expense to average assets | 3.3190% | 963 |
| Loan and lease loss provision to assets | 0.4971% | 729 |
| Net operating income to assets | 0.3126% | 4,398 |
| Return on assets (ROA) | 0.3513% | 4,385 |
| Pretax return on assets | 0.4109% | 4,396 |
| Return on Equity (ROE) | 3.5147% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,171 |
| Net charge-offs to loans | -0.0062% | 4,076 |
| Credit loss provision to net charge-offs | -10,909.0909% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6798% | 1,082 |
| Assets per employee ($millions) | 4.2282% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 3,846 |
| Loan loss allowance to noncurrent loans | 78.3438% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 1,377 |
| Noncurrent loans to loans | 1.1971% | 1,311 |
| Net loans and leases to total assets | 72.6730% | 1,597 |
| Net loans and leases to deposits | 85.6340% | 1,809 |
| Net loans and leases to core deposits | 91.1297% | 1,977 |
| Total domestic deposits to total assets | 84.8647% | 2,448 |
| Equity capital to assets | 9.6985% | 3,480 |
| Core capital (leverage) ratio | 9.3140% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,802,667 | 1,551 |
| Average earning assets | $435,513,667 | 1,594 |
| Average equity | $48,255,000 | 1,728 |
| Average total loans | $357,019,667 | 1,465 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 703 |
| Cost of funding earning assets | 0.7862% | 2,472 |
| Net interest margin | 4.3781% | 653 |
| Noninterest income to average assets | 0.5262% | 2,404 |
| Noninterest expense to average assets | 3.3895% | 1,079 |
| Loan and lease loss provision to assets | 0.7651% | 331 |
| Net operating income to assets | 0.2717% | 4,410 |
| Return on assets (ROA) | 0.3324% | 4,311 |
| Pretax return on assets | 0.3860% | 4,315 |
| Return on Equity (ROE) | 3.2734% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.2734% | 2,972 |
| Net charge-offs to loans | -0.0218% | 4,359 |
| Credit loss provision to net charge-offs | -4,736.8421% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1727% | 1,789 |
| Assets per employee ($millions) | 3.8451% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,044 |
| Loan loss allowance to noncurrent loans | 125.6974% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 2,329 |
| Noncurrent loans to loans | 0.7301% | 2,173 |
| Net loans and leases to total assets | 73.0238% | 1,775 |
| Net loans and leases to deposits | 88.3992% | 1,710 |
| Net loans and leases to core deposits | 94.3553% | 1,936 |
| Total domestic deposits to total assets | 82.6068% | 3,232 |
| Equity capital to assets | 10.2205% | 3,582 |
| Core capital (leverage) ratio | 9.8345% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,515,000 | 1,533 |
| Average earning assets | $423,834,500 | 1,582 |
| Average equity | $47,778,500 | 1,731 |
| Average total loans | $349,420,500 | 1,455 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 1,323 |
| Cost of funding earning assets | 0.8381% | 2,498 |
| Net interest margin | 4.2191% | 1,285 |
| Noninterest income to average assets | 0.6366% | 2,062 |
| Noninterest expense to average assets | 3.5438% | 910 |
| Loan and lease loss provision to assets | 0.0139% | 3,734 |
| Net operating income to assets | 0.7067% | 3,853 |
| Return on assets (ROA) | 0.7259% | 3,850 |
| Pretax return on assets | 0.8900% | 3,769 |
| Return on Equity (ROE) | 7.1388% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.1010% | 2,368 |
| Net charge-offs to loans | 0.0150% | 3,172 |
| Credit loss provision to net charge-offs | 121.1538% | 2,097 |
| Earnings coverage of net charge-offs (x) | 76.6538% | 822 |
| Efficiency ratio | 78.2255% | 1,123 |
| Assets per employee ($millions) | 3.8684% | 4,067 |
| Cash dividends to net income (ytd only)* | 28.5453% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 4,649 |
| Loan loss allowance to noncurrent loans | 184.3169% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,297 |
| Noncurrent loans to loans | 0.3532% | 3,183 |
| Net loans and leases to total assets | 74.3454% | 1,696 |
| Net loans and leases to deposits | 90.8786% | 1,492 |
| Net loans and leases to core deposits | 97.6724% | 1,755 |
| Total domestic deposits to total assets | 81.8074% | 3,558 |
| Equity capital to assets | 10.0878% | 3,843 |
| Core capital (leverage) ratio | 9.6085% | 3,954 |
| Tier 1 risk-based capital ratio | 12.5711% | 4,023 |
| Total risk-based capital ratio | 14.1806% | 3,705 |
| Memoranda: | ||
| Average total assets | $452,682,800 | 1,548 |
| Average earning assets | $406,392,200 | 1,594 |
| Average equity | $46,030,400 | 1,720 |
| Average total loans | $346,092,200 | 1,435 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 1,309 |
| Cost of funding earning assets | 0.8265% | 2,584 |
| Net interest margin | 4.2629% | 1,243 |
| Noninterest income to average assets | 0.6238% | 2,089 |
| Noninterest expense to average assets | 3.6639% | 786 |
| Loan and lease loss provision to assets | -0.0110% | 5,057 |
| Net operating income to assets | 0.6389% | 4,188 |
| Return on assets (ROA) | 0.6604% | 4,189 |
| Pretax return on assets | 0.8184% | 4,078 |
| Return on Equity (ROE) | 6.4809% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.4809% | 2,130 |
| Net charge-offs to loans | -0.0015% | 4,035 |
| Credit loss provision to net charge-offs | 925.0000% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5253% | 871 |
| Assets per employee ($millions) | 3.8977% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 4,752 |
| Loan loss allowance to noncurrent loans | 217.5097% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 3,562 |
| Noncurrent loans to loans | 0.2939% | 3,484 |
| Net loans and leases to total assets | 73.6798% | 1,879 |
| Net loans and leases to deposits | 89.8653% | 1,711 |
| Net loans and leases to core deposits | 97.2811% | 1,878 |
| Total domestic deposits to total assets | 81.9892% | 3,479 |
| Equity capital to assets | 10.0602% | 3,957 |
| Core capital (leverage) ratio | 9.7971% | 3,859 |
| Tier 1 risk-based capital ratio | 12.5980% | 4,086 |
| Total risk-based capital ratio | 14.2110% | 3,768 |
| Memoranda: | ||
| Average total assets | $448,833,500 | 1,565 |
| Average earning assets | $402,317,000 | 1,616 |
| Average equity | $45,733,250 | 1,731 |
| Average total loans | $345,046,250 | 1,448 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,246 |
| Cost of funding earning assets | 0.7975% | 2,656 |
| Net interest margin | 4.2906% | 1,167 |
| Noninterest income to average assets | 0.6210% | 2,060 |
| Noninterest expense to average assets | 3.7440% | 711 |
| Loan and lease loss provision to assets | -0.0168% | 5,132 |
| Net operating income to assets | 0.5966% | 4,314 |
| Return on assets (ROA) | 0.6242% | 4,283 |
| Pretax return on assets | 0.7687% | 4,173 |
| Return on Equity (ROE) | 6.0980% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.0980% | 2,238 |
| Net charge-offs to loans | -0.0559% | 4,855 |
| Credit loss provision to net charge-offs | 38.5417% | 2,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9484% | 804 |
| Assets per employee ($millions) | 3.6356% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 4,768 |
| Loan loss allowance to noncurrent loans | 209.1644% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 3,443 |
| Noncurrent loans to loans | 0.3178% | 3,392 |
| Net loans and leases to total assets | 75.9463% | 1,560 |
| Net loans and leases to deposits | 93.0512% | 1,368 |
| Net loans and leases to core deposits | 99.7505% | 1,747 |
| Total domestic deposits to total assets | 81.6177% | 3,632 |
| Equity capital to assets | 10.0840% | 3,905 |
| Core capital (leverage) ratio | 9.9273% | 3,665 |
| Tier 1 risk-based capital ratio | 12.1942% | 4,303 |
| Total risk-based capital ratio | 13.8163% | 3,988 |
| Memoranda: | ||
| Average total assets | $441,237,000 | 1,590 |
| Average earning assets | $395,004,670 | 1,655 |
| Average equity | $45,162,330 | 1,747 |
| Average total loans | $343,486,000 | 1,461 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 1,160 |
| Cost of funding earning assets | 0.7473% | 2,802 |
| Net interest margin | 4.3252% | 1,053 |
| Noninterest income to average assets | 0.5989% | 2,049 |
| Noninterest expense to average assets | 3.8002% | 651 |
| Loan and lease loss provision to assets | 0.0693% | 2,269 |
| Net operating income to assets | 0.5000% | 4,522 |
| Return on assets (ROA) | 0.5000% | 4,542 |
| Pretax return on assets | 0.5915% | 4,534 |
| Return on Equity (ROE) | 4.8469% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.8469% | 2,974 |
| Net charge-offs to loans | -0.0165% | 4,416 |
| Credit loss provision to net charge-offs | -535.7143% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1572% | 776 |
| Assets per employee ($millions) | 3.3796% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,795 |
| Loan loss allowance to noncurrent loans | 97.3978% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 2,293 |
| Noncurrent loans to loans | 0.7074% | 2,258 |
| Net loans and leases to total assets | 77.3553% | 1,262 |
| Net loans and leases to deposits | 90.7193% | 1,539 |
| Net loans and leases to core deposits | 97.1914% | 1,841 |
| Total domestic deposits to total assets | 85.2689% | 2,571 |
| Equity capital to assets | 10.2313% | 3,592 |
| Core capital (leverage) ratio | 10.0030% | 3,603 |
| Tier 1 risk-based capital ratio | 12.3811% | 4,246 |
| Total risk-based capital ratio | 14.0763% | 3,862 |
| Memoranda: | ||
| Average total assets | $432,814,000 | 1,620 |
| Average earning assets | $386,481,000 | 1,705 |
| Average equity | $44,647,000 | 1,748 |
| Average total loans | $340,116,500 | 1,481 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,059 |
| Cost of funding earning assets | 0.5699% | 2,923 |
| Net interest margin | 4.4224% | 889 |
| Noninterest income to average assets | 0.6945% | 1,872 |
| Noninterest expense to average assets | 3.9861% | 541 |
| Loan and lease loss provision to assets | 0.2328% | 764 |
| Net operating income to assets | 0.2939% | 5,016 |
| Return on assets (ROA) | 0.2903% | 5,016 |
| Pretax return on assets | 0.3569% | 4,992 |
| Return on Equity (ROE) | 2.8156% | 4,934 |
| Retained earnings to average equity (ytd only) | 0.6977% | 4,806 |
| Net charge-offs to loans | 0.1020% | 1,738 |
| Credit loss provision to net charge-offs | 293.2551% | 1,046 |
| Earnings coverage of net charge-offs (x) | 7.4839% | 2,989 |
| Efficiency ratio | 84.9039% | 588 |
| Assets per employee ($millions) | 3.2051% | 4,830 |
| Cash dividends to net income (ytd only)* | 75.2205% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 4,865 |
| Loan loss allowance to noncurrent loans | 95.1363% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 2,141 |
| Noncurrent loans to loans | 0.7056% | 2,225 |
| Net loans and leases to total assets | 78.7621% | 1,144 |
| Net loans and leases to deposits | 90.7064% | 1,712 |
| Net loans and leases to core deposits | 95.5357% | 2,095 |
| Total domestic deposits to total assets | 86.8319% | 1,857 |
| Equity capital to assets | 10.4023% | 3,284 |
| Core capital (leverage) ratio | 10.0176% | 3,555 |
| Tier 1 risk-based capital ratio | 12.5059% | 4,134 |
| Total risk-based capital ratio | 14.2230% | 3,747 |
| Memoranda: | ||
| Average total assets | $429,544,400 | 1,594 |
| Average earning assets | $377,419,400 | 1,690 |
| Average equity | $44,288,400 | 1,684 |
| Average total loans | $334,408,400 | 1,464 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,041 |
| Cost of funding earning assets | 0.5581% | 2,802 |
| Net interest margin | 4.3929% | 910 |
| Noninterest income to average assets | 0.7160% | 1,810 |
| Noninterest expense to average assets | 4.0012% | 529 |
| Loan and lease loss provision to assets | 0.2169% | 768 |
| Net operating income to assets | 0.2925% | 5,099 |
| Return on assets (ROA) | 0.2925% | 5,095 |
| Pretax return on assets | 0.3439% | 5,095 |
| Return on Equity (ROE) | 2.8428% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.8428% | 4,300 |
| Net charge-offs to loans | 0.0336% | 2,414 |
| Credit loss provision to net charge-offs | 833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 21.5471% | 1,916 |
| Efficiency ratio | 85.5484% | 539 |
| Assets per employee ($millions) | 3.2374% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 4,928 |
| Loan loss allowance to noncurrent loans | 78.8727% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 1,836 |
| Noncurrent loans to loans | 0.8529% | 1,995 |
| Net loans and leases to total assets | 77.4693% | 1,421 |
| Net loans and leases to deposits | 89.1306% | 2,004 |
| Net loans and leases to core deposits | 93.7332% | 2,315 |
| Total domestic deposits to total assets | 86.9166% | 1,770 |
| Equity capital to assets | 10.5373% | 3,108 |
| Core capital (leverage) ratio | 10.1928% | 3,418 |
| Tier 1 risk-based capital ratio | 13.1470% | 3,815 |
| Total risk-based capital ratio | 14.9208% | 3,447 |
| Memoranda: | ||
| Average total assets | $430,360,500 | 1,605 |
| Average earning assets | $376,776,500 | 1,694 |
| Average equity | $44,274,750 | 1,688 |
| Average total loans | $333,506,500 | 1,469 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 1,024 |
| Cost of funding earning assets | 0.5540% | 2,578 |
| Net interest margin | 4.3461% | 948 |
| Noninterest income to average assets | 0.6452% | 2,115 |
| Noninterest expense to average assets | 3.9603% | 561 |
| Loan and lease loss provision to assets | 0.1850% | 969 |
| Net operating income to assets | 0.2257% | 5,205 |
| Return on assets (ROA) | 0.2257% | 5,199 |
| Pretax return on assets | 0.2914% | 5,174 |
| Return on Equity (ROE) | 2.2113% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,394 |
| Net charge-offs to loans | -0.0114% | 4,360 |
| Credit loss provision to net charge-offs | -2,105.2632% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0322% | 519 |
| Assets per employee ($millions) | 3.3949% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 5,069 |
| Loan loss allowance to noncurrent loans | 79.0417% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 1,929 |
| Noncurrent loans to loans | 0.7826% | 2,166 |
| Net loans and leases to total assets | 76.2087% | 1,600 |
| Net loans and leases to deposits | 87.4742% | 2,165 |
| Net loans and leases to core deposits | 92.3943% | 2,368 |
| Total domestic deposits to total assets | 87.1213% | 1,790 |
| Equity capital to assets | 10.3710% | 3,250 |
| Core capital (leverage) ratio | 9.9348% | 3,655 |
| Tier 1 risk-based capital ratio | 12.9284% | 3,932 |
| Total risk-based capital ratio | 14.6404% | 3,597 |
| Memoranda: | ||
| Average total assets | $432,447,000 | 1,603 |
| Average earning assets | $377,259,000 | 1,698 |
| Average equity | $44,136,670 | 1,698 |
| Average total loans | $334,417,670 | 1,466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 923 |
| Cost of funding earning assets | 0.5446% | 2,448 |
| Net interest margin | 4.3280% | 906 |
| Noninterest income to average assets | 0.6054% | 2,232 |
| Noninterest expense to average assets | 4.0673% | 488 |
| Loan and lease loss provision to assets | 0.2760% | 495 |
| Net operating income to assets | 0.0276% | 5,371 |
| Return on assets (ROA) | 0.0276% | 5,368 |
| Pretax return on assets | 0.0350% | 5,367 |
| Return on Equity (ROE) | 0.2726% | 5,365 |
| Retained earnings to average equity (ytd only) | 0.2726% | 4,765 |
| Net charge-offs to loans | -0.0107% | 4,268 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6073% | 417 |
| Assets per employee ($millions) | 3.4169% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5700% | 5,241 |
| Loan loss allowance to noncurrent loans | 77.0992% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 2,109 |
| Noncurrent loans to loans | 0.7393% | 2,355 |
| Net loans and leases to total assets | 77.7530% | 1,276 |
| Net loans and leases to deposits | 88.9125% | 1,822 |
| Net loans and leases to core deposits | 93.4281% | 2,180 |
| Total domestic deposits to total assets | 87.4488% | 1,931 |
| Equity capital to assets | 10.2185% | 3,370 |
| Core capital (leverage) ratio | 9.8139% | 3,744 |
| Tier 1 risk-based capital ratio | 12.3638% | 4,335 |
| Total risk-based capital ratio | 13.9909% | 3,983 |
| Memoranda: | ||
| Average total assets | $434,789,500 | 1,608 |
| Average earning assets | $379,021,500 | 1,702 |
| Average equity | $44,023,500 | 1,709 |
| Average total loans | $337,616,000 | 1,458 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8293% | 42 |
| Cost of funding earning assets | 0.9319% | 317 |
| Net interest margin | 6.8974% | 44 |
| Noninterest income to average assets | 1.3990% | 540 |
| Noninterest expense to average assets | 6.8348% | 119 |
| Loan and lease loss provision to assets | 0.0888% | 2,413 |
| Net operating income to assets | 0.2578% | 5,008 |
| Return on assets (ROA) | 0.2509% | 5,035 |
| Pretax return on assets | 0.5570% | 4,835 |
| Return on Equity (ROE) | 2.2838% | 4,995 |
| Retained earnings to average equity (ytd only) | -0.8691% | 5,170 |
| Net charge-offs to loans | 0.1011% | 2,060 |
| Credit loss provision to net charge-offs | 118.8119% | 2,206 |
| Earnings coverage of net charge-offs (x) | 8.7822% | 2,865 |
| Efficiency ratio | 91.2356% | 372 |
| Assets per employee ($millions) | 3.4872% | 4,716 |
| Cash dividends to net income (ytd only)* | 138.0531% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 5,414 |
| Loan loss allowance to noncurrent loans | 82.7763% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 2,570 |
| Noncurrent loans to loans | 0.5745% | 2,779 |
| Net loans and leases to total assets | 76.6862% | 1,482 |
| Net loans and leases to deposits | 88.2209% | 1,996 |
| Net loans and leases to core deposits | 93.0143% | 2,284 |
| Total domestic deposits to total assets | 86.9252% | 2,030 |
| Equity capital to assets | 9.8740% | 3,847 |
| Core capital (leverage) ratio | 9.4612% | 4,094 |
| Tier 1 risk-based capital ratio | 12.1835% | 4,407 |
| Total risk-based capital ratio | 13.7080% | 4,136 |
| Memoranda: | ||
| Average total assets | $270,191,000 | 2,348 |
| Average earning assets | $238,653,800 | 2,434 |
| Average equity | $29,687,400 | 2,380 |
| Average total loans | $199,827,600 | 2,160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,117 |
| Cost of funding earning assets | 0.3841% | 3,346 |
| Net interest margin | 4.3245% | 867 |
| Noninterest income to average assets | 0.7963% | 1,608 |
| Noninterest expense to average assets | 3.8830% | 609 |
| Loan and lease loss provision to assets | 0.1404% | 1,512 |
| Net operating income to assets | 0.3428% | 5,129 |
| Return on assets (ROA) | 0.3428% | 5,154 |
| Pretax return on assets | 0.6067% | 4,829 |
| Return on Equity (ROE) | 2.9749% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.9749% | 4,145 |
| Net charge-offs to loans | 0.1486% | 1,352 |
| Credit loss provision to net charge-offs | 130.4348% | 1,886 |
| Earnings coverage of net charge-offs (x) | 6.9401% | 2,928 |
| Efficiency ratio | 83.8640% | 764 |
| Assets per employee ($millions) | 3.5443% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,263 |
| Loan loss allowance to noncurrent loans | 87.5740% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 1,631 |
| Noncurrent loans to loans | 1.1011% | 1,744 |
| Net loans and leases to total assets | 72.5806% | 2,169 |
| Net loans and leases to deposits | 83.1216% | 2,642 |
| Net loans and leases to core deposits | 87.8056% | 2,791 |
| Total domestic deposits to total assets | 87.3186% | 1,718 |
| Equity capital to assets | 11.5537% | 2,317 |
| Core capital (leverage) ratio | 11.7446% | 1,853 |
| Tier 1 risk-based capital ratio | 14.3005% | 3,301 |
| Total risk-based capital ratio | 15.1793% | 3,405 |
| Memoranda: | ||
| Average total assets | $227,891,750 | 2,680 |
| Average earning assets | $202,038,750 | 2,777 |
| Average equity | $26,263,000 | 2,615 |
| Average total loans | $165,144,500 | 2,492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,286 |
| Cost of funding earning assets | 0.3765% | 3,319 |
| Net interest margin | 4.2074% | 1,063 |
| Noninterest income to average assets | 0.7707% | 1,685 |
| Noninterest expense to average assets | 3.8333% | 645 |
| Loan and lease loss provision to assets | 0.0793% | 2,401 |
| Net operating income to assets | 0.3585% | 5,073 |
| Return on assets (ROA) | 0.3585% | 5,098 |
| Pretax return on assets | 0.5990% | 4,808 |
| Return on Equity (ROE) | 3.1134% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.1134% | 3,859 |
| Net charge-offs to loans | 0.0610% | 2,049 |
| Credit loss provision to net charge-offs | 180.0000% | 1,358 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 2,030 |
| Efficiency ratio | 84.9668% | 766 |
| Assets per employee ($millions) | 3.4993% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,374 |
| Loan loss allowance to noncurrent loans | 66.3102% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 1,273 |
| Noncurrent loans to loans | 1.4460% | 1,314 |
| Net loans and leases to total assets | 73.2062% | 2,004 |
| Net loans and leases to deposits | 85.0006% | 2,353 |
| Net loans and leases to core deposits | 88.2678% | 2,679 |
| Total domestic deposits to total assets | 86.1243% | 2,324 |
| Equity capital to assets | 11.6128% | 2,223 |
| Core capital (leverage) ratio | 11.5306% | 1,950 |
| Tier 1 risk-based capital ratio | 14.2473% | 3,292 |
| Total risk-based capital ratio | 15.1202% | 3,416 |
| Memoranda: | ||
| Average total assets | $227,063,330 | 2,706 |
| Average earning assets | $201,884,000 | 2,790 |
| Average equity | $26,145,000 | 2,619 |
| Average total loans | $163,913,670 | 2,509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,410 |
| Cost of funding earning assets | 0.3719% | 3,287 |
| Net interest margin | 4.1128% | 1,186 |
| Noninterest income to average assets | 0.7405% | 1,779 |
| Noninterest expense to average assets | 3.3253% | 1,333 |
| Loan and lease loss provision to assets | 0.1587% | 1,138 |
| Net operating income to assets | 0.6559% | 3,909 |
| Return on assets (ROA) | 0.6559% | 3,945 |
| Pretax return on assets | 0.9221% | 3,686 |
| Return on Equity (ROE) | 5.7208% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.7208% | 2,482 |
| Net charge-offs to loans | -0.0025% | 4,030 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4702% | 1,987 |
| Assets per employee ($millions) | 3.6081% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,269 |
| Loan loss allowance to noncurrent loans | 63.7653% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 1,316 |
| Noncurrent loans to loans | 1.5708% | 1,248 |
| Net loans and leases to total assets | 71.1809% | 2,188 |
| Net loans and leases to deposits | 81.2810% | 2,593 |
| Net loans and leases to core deposits | 84.3376% | 2,865 |
| Total domestic deposits to total assets | 87.5738% | 1,958 |
| Equity capital to assets | 11.3591% | 2,298 |
| Core capital (leverage) ratio | 11.7220% | 1,814 |
| Tier 1 risk-based capital ratio | 14.4191% | 3,247 |
| Total risk-based capital ratio | 15.3317% | 3,344 |
| Memoranda: | ||
| Average total assets | $226,867,000 | 2,735 |
| Average earning assets | $202,197,500 | 2,810 |
| Average equity | $26,010,500 | 2,639 |
| Average total loans | $161,808,500 | 2,554 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,096 |
| Cost of funding earning assets | 0.4150% | 2,861 |
| Net interest margin | 4.2661% | 988 |
| Noninterest income to average assets | 0.8115% | 1,709 |
| Noninterest expense to average assets | 3.5924% | 1,027 |
| Loan and lease loss provision to assets | -0.1194% | 5,707 |
| Net operating income to assets | 0.7799% | 3,404 |
| Return on assets (ROA) | 0.7799% | 3,508 |
| Pretax return on assets | 1.1262% | 2,992 |
| Return on Equity (ROE) | 6.7533% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.6431% | 2,593 |
| Net charge-offs to loans | 0.4910% | 504 |
| Credit loss provision to net charge-offs | -34.4198% | 4,793 |
| Earnings coverage of net charge-offs (x) | 2.9035% | 3,748 |
| Efficiency ratio | 78.1087% | 1,678 |
| Assets per employee ($millions) | 3.4280% | 4,858 |
| Cash dividends to net income (ytd only)* | 31.2464% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,346 |
| Loan loss allowance to noncurrent loans | 115.7585% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 2,406 |
| Noncurrent loans to loans | 0.8618% | 2,374 |
| Net loans and leases to total assets | 70.0186% | 2,466 |
| Net loans and leases to deposits | 80.1436% | 2,870 |
| Net loans and leases to core deposits | 83.5756% | 3,066 |
| Total domestic deposits to total assets | 87.3664% | 1,946 |
| Equity capital to assets | 11.5749% | 2,104 |
| Core capital (leverage) ratio | 11.9272% | 1,644 |
| Tier 1 risk-based capital ratio | 15.0091% | 2,958 |
| Total risk-based capital ratio | 15.9199% | 3,060 |
| Memoranda: | ||
| Average total assets | $221,192,000 | 2,752 |
| Average earning assets | $196,385,400 | 2,832 |
| Average equity | $25,543,200 | 2,674 |
| Average total loans | $156,206,400 | 2,566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 1,087 |
| Cost of funding earning assets | 0.4187% | 2,852 |
| Net interest margin | 4.2717% | 975 |
| Noninterest income to average assets | 0.7983% | 1,772 |
| Noninterest expense to average assets | 3.6390% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6655% | 4,019 |
| Return on assets (ROA) | 0.6655% | 4,141 |
| Pretax return on assets | 0.9541% | 3,800 |
| Return on Equity (ROE) | 5.7662% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.7662% | 2,319 |
| Net charge-offs to loans | 0.0197% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 68.6863% | 868 |
| Efficiency ratio | 79.2269% | 1,527 |
| Assets per employee ($millions) | 3.4105% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,293 |
| Loan loss allowance to noncurrent loans | 104.9207% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 1,511 |
| Noncurrent loans to loans | 1.5901% | 1,360 |
| Net loans and leases to total assets | 68.5964% | 2,711 |
| Net loans and leases to deposits | 78.8910% | 3,088 |
| Net loans and leases to core deposits | 82.4217% | 3,250 |
| Total domestic deposits to total assets | 86.9509% | 1,920 |
| Equity capital to assets | 11.7644% | 2,293 |
| Core capital (leverage) ratio | 11.9936% | 1,682 |
| Tier 1 risk-based capital ratio | 15.3374% | 2,898 |
| Total risk-based capital ratio | 16.5908% | 2,829 |
| Memoranda: | ||
| Average total assets | $220,785,500 | 2,758 |
| Average earning assets | $196,137,750 | 2,843 |
| Average equity | $25,481,250 | 2,692 |
| Average total loans | $155,861,500 | 2,570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 1,042 |
| Cost of funding earning assets | 0.4227% | 2,810 |
| Net interest margin | 4.2820% | 958 |
| Noninterest income to average assets | 0.8173% | 1,651 |
| Noninterest expense to average assets | 3.6683% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6631% | 3,983 |
| Return on assets (ROA) | 0.6631% | 4,124 |
| Pretax return on assets | 0.9533% | 3,766 |
| Return on Equity (ROE) | 5.7828% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.7828% | 2,251 |
| Net charge-offs to loans | -0.0858% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3719% | 1,578 |
| Assets per employee ($millions) | 3.1633% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 1,231 |
| Loan loss allowance to noncurrent loans | 99.4784% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 1,241 |
| Noncurrent loans to loans | 1.7307% | 1,217 |
| Net loans and leases to total assets | 68.8308% | 2,659 |
| Net loans and leases to deposits | 79.0037% | 3,053 |
| Net loans and leases to core deposits | 82.8206% | 3,193 |
| Total domestic deposits to total assets | 87.1234% | 1,854 |
| Equity capital to assets | 11.6022% | 2,442 |
| Core capital (leverage) ratio | 11.5651% | 1,941 |
| Tier 1 risk-based capital ratio | 15.1100% | 3,029 |
| Total risk-based capital ratio | 16.3638% | 2,956 |
| Memoranda: | ||
| Average total assets | $220,485,670 | 2,768 |
| Average earning assets | $195,889,000 | 2,859 |
| Average equity | $25,281,670 | 2,717 |
| Average total loans | $156,266,000 | 2,574 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 868 |
| Cost of funding earning assets | 0.4155% | 2,897 |
| Net interest margin | 4.3758% | 786 |
| Noninterest income to average assets | 0.7581% | 1,784 |
| Noninterest expense to average assets | 3.6362% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6945% | 3,741 |
| Return on assets (ROA) | 0.6945% | 3,850 |
| Pretax return on assets | 1.0090% | 3,445 |
| Return on Equity (ROE) | 6.0932% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.0932% | 2,336 |
| Net charge-offs to loans | -0.1709% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2779% | 1,853 |
| Assets per employee ($millions) | 3.0794% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 1,327 |
| Loan loss allowance to noncurrent loans | 99.7013% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5862% | 1,260 |
| Noncurrent loans to loans | 1.7184% | 1,306 |
| Net loans and leases to total assets | 69.0828% | 2,482 |
| Net loans and leases to deposits | 79.0680% | 2,892 |
| Net loans and leases to core deposits | 81.6314% | 3,162 |
| Total domestic deposits to total assets | 87.3713% | 2,017 |
| Equity capital to assets | 11.4186% | 2,518 |
| Core capital (leverage) ratio | 11.3084% | 2,134 |
| Tier 1 risk-based capital ratio | 14.6062% | 3,339 |
| Total risk-based capital ratio | 15.8601% | 3,275 |
| Memoranda: | ||
| Average total assets | $220,012,000 | 2,777 |
| Average earning assets | $195,440,500 | 2,871 |
| Average equity | $25,077,000 | 2,740 |
| Average total loans | $156,857,000 | 2,565 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 491 |
| Cost of funding earning assets | 0.4535% | 2,598 |
| Net interest margin | 4.6738% | 477 |
| Noninterest income to average assets | 0.8588% | 1,576 |
| Noninterest expense to average assets | 3.7571% | 908 |
| Loan and lease loss provision to assets | 0.1378% | 1,718 |
| Net operating income to assets | 0.7898% | 3,377 |
| Return on assets (ROA) | 0.7898% | 3,459 |
| Pretax return on assets | 1.1404% | 2,881 |
| Return on Equity (ROE) | 7.0490% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.8387% | 2,536 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6145% | 2,486 |
| Assets per employee ($millions) | 2.9905% | 5,526 |
| Cash dividends to net income (ytd only)* | 31.3554% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 1,480 |
| Loan loss allowance to noncurrent loans | 103.4181% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 1,305 |
| Noncurrent loans to loans | 1.5937% | 1,440 |
| Net loans and leases to total assets | 71.1263% | 2,179 |
| Net loans and leases to deposits | 81.4363% | 2,658 |
| Net loans and leases to core deposits | 84.4040% | 2,937 |
| Total domestic deposits to total assets | 87.3398% | 1,959 |
| Equity capital to assets | 11.3771% | 2,466 |
| Core capital (leverage) ratio | 11.3326% | 2,101 |
| Tier 1 risk-based capital ratio | 14.4032% | 3,491 |
| Total risk-based capital ratio | 15.6564% | 3,407 |
| Memoranda: | ||
| Average total assets | $217,639,600 | 2,768 |
| Average earning assets | $194,487,200 | 2,835 |
| Average equity | $24,386,600 | 2,747 |
| Average total loans | $163,764,600 | 2,418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 463 |
| Cost of funding earning assets | 0.4572% | 2,616 |
| Net interest margin | 4.7046% | 448 |
| Noninterest income to average assets | 0.7958% | 1,817 |
| Noninterest expense to average assets | 3.7576% | 897 |
| Loan and lease loss provision to assets | 0.1839% | 1,127 |
| Net operating income to assets | 0.7369% | 3,738 |
| Return on assets (ROA) | 0.7369% | 3,838 |
| Pretax return on assets | 1.0619% | 3,366 |
| Return on Equity (ROE) | 6.6022% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.6022% | 1,888 |
| Net charge-offs to loans | 0.0008% | 4,169 |
| Credit loss provision to net charge-offs | 30,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,037.0451% | 28 |
| Efficiency ratio | 75.1011% | 2,392 |
| Assets per employee ($millions) | 2.9303% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,934 |
| Loan loss allowance to noncurrent loans | 97.1984% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 1,336 |
| Noncurrent loans to loans | 1.6051% | 1,540 |
| Net loans and leases to total assets | 75.7115% | 1,431 |
| Net loans and leases to deposits | 86.8830% | 2,044 |
| Net loans and leases to core deposits | 89.9505% | 2,473 |
| Total domestic deposits to total assets | 87.1418% | 1,962 |
| Equity capital to assets | 11.4788% | 2,527 |
| Core capital (leverage) ratio | 11.4306% | 2,097 |
| Tier 1 risk-based capital ratio | 13.9134% | 3,897 |
| Total risk-based capital ratio | 15.1658% | 3,839 |
| Memoranda: | ||
| Average total assets | $217,473,000 | 2,790 |
| Average earning assets | $194,500,250 | 2,858 |
| Average equity | $24,274,000 | 2,778 |
| Average total loans | $165,237,000 | 2,419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 451 |
| Cost of funding earning assets | 0.4618% | 2,594 |
| Net interest margin | 4.7021% | 444 |
| Noninterest income to average assets | 0.7690% | 1,919 |
| Noninterest expense to average assets | 3.6962% | 989 |
| Loan and lease loss provision to assets | 0.2756% | 596 |
| Net operating income to assets | 0.6992% | 3,898 |
| Return on assets (ROA) | 0.6992% | 4,016 |
| Pretax return on assets | 1.0070% | 3,562 |
| Return on Equity (ROE) | 6.3237% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.3237% | 2,049 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2388% | 2,651 |
| Assets per employee ($millions) | 2.9341% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,047 |
| Loan loss allowance to noncurrent loans | 94.0709% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.6299% | 1,474 |
| Noncurrent loans to loans | 1.6590% | 1,575 |
| Net loans and leases to total assets | 75.5895% | 1,423 |
| Net loans and leases to deposits | 86.5486% | 1,996 |
| Net loans and leases to core deposits | 90.5436% | 2,293 |
| Total domestic deposits to total assets | 87.3377% | 1,994 |
| Equity capital to assets | 11.2498% | 2,618 |
| Core capital (leverage) ratio | 11.1168% | 2,317 |
| Tier 1 risk-based capital ratio | 13.5367% | 4,194 |
| Total risk-based capital ratio | 14.7890% | 4,126 |
| Memoranda: | ||
| Average total assets | $217,683,000 | 2,807 |
| Average earning assets | $194,890,670 | 2,880 |
| Average equity | $24,068,330 | 2,806 |
| Average total loans | $164,723,670 | 2,433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 533 |
| Cost of funding earning assets | 0.4697% | 2,567 |
| Net interest margin | 4.5763% | 527 |
| Noninterest income to average assets | 0.7763% | 1,805 |
| Noninterest expense to average assets | 3.8429% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7065% | 3,766 |
| Return on assets (ROA) | 0.7065% | 3,892 |
| Pretax return on assets | 1.0277% | 3,392 |
| Return on Equity (ROE) | 6.4463% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.4463% | 2,262 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8998% | 2,058 |
| Assets per employee ($millions) | 3.0108% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,999 |
| Loan loss allowance to noncurrent loans | 115.0925% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 1,567 |
| Noncurrent loans to loans | 1.2022% | 2,368 |
| Net loans and leases to total assets | 74.6811% | 1,404 |
| Net loans and leases to deposits | 85.5081% | 1,895 |
| Net loans and leases to core deposits | 89.3305% | 2,195 |
| Total domestic deposits to total assets | 87.3380% | 2,195 |
| Equity capital to assets | 10.9699% | 3,004 |
| Core capital (leverage) ratio | 10.9976% | 2,415 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,462 |
| Total risk-based capital ratio | 14.4993% | 4,382 |
| Memoranda: | ||
| Average total assets | $217,962,500 | 2,822 |
| Average earning assets | $195,003,000 | 2,894 |
| Average equity | $23,889,500 | 2,838 |
| Average total loans | $163,723,000 | 2,448 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 507 |
| Cost of funding earning assets | 0.5279% | 2,409 |
| Net interest margin | 4.6884% | 531 |
| Noninterest income to average assets | 0.9039% | 1,495 |
| Noninterest expense to average assets | 3.7652% | 1,041 |
| Loan and lease loss provision to assets | 0.0968% | 2,534 |
| Net operating income to assets | 0.8622% | 3,052 |
| Return on assets (ROA) | 0.8622% | 3,149 |
| Pretax return on assets | 1.2109% | 2,605 |
| Return on Equity (ROE) | 8.1606% | 3,045 |
| Retained earnings to average equity (ytd only) | 5.8197% | 2,046 |
| Net charge-offs to loans | 0.2877% | 1,508 |
| Credit loss provision to net charge-offs | 46.0699% | 3,570 |
| Earnings coverage of net charge-offs (x) | 6.2227% | 3,245 |
| Efficiency ratio | 74.2221% | 2,801 |
| Assets per employee ($millions) | 2.8069% | 5,921 |
| Cash dividends to net income (ytd only)* | 28.6855% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 2,799 |
| Loan loss allowance to noncurrent loans | 124.0172% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 1,696 |
| Noncurrent loans to loans | 1.1534% | 2,534 |
| Net loans and leases to total assets | 73.4256% | 1,681 |
| Net loans and leases to deposits | 83.9307% | 2,226 |
| Net loans and leases to core deposits | 87.6203% | 2,536 |
| Total domestic deposits to total assets | 87.4836% | 2,045 |
| Equity capital to assets | 10.9507% | 2,947 |
| Core capital (leverage) ratio | 10.8353% | 2,578 |
| Tier 1 risk-based capital ratio | 13.3125% | 4,534 |
| Total risk-based capital ratio | 14.4231% | 4,535 |
| Memoranda: | ||
| Average total assets | $217,942,200 | 2,802 |
| Average earning assets | $193,798,400 | 2,868 |
| Average equity | $23,025,400 | 2,846 |
| Average total loans | $159,184,800 | 2,434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 495 |
| Cost of funding earning assets | 0.5375% | 2,393 |
| Net interest margin | 4.6849% | 519 |
| Noninterest income to average assets | 0.9524% | 1,357 |
| Noninterest expense to average assets | 3.8779% | 873 |
| Loan and lease loss provision to assets | 0.1068% | 2,256 |
| Net operating income to assets | 0.8156% | 3,362 |
| Return on assets (ROA) | 0.8156% | 3,456 |
| Pretax return on assets | 1.1288% | 3,073 |
| Return on Equity (ROE) | 7.7906% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.7906% | 1,454 |
| Net charge-offs to loans | 0.2083% | 1,802 |
| Credit loss provision to net charge-offs | 70.5645% | 2,761 |
| Earnings coverage of net charge-offs (x) | 8.1613% | 2,847 |
| Efficiency ratio | 75.8357% | 2,519 |
| Assets per employee ($millions) | 2.9016% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,521 |
| Loan loss allowance to noncurrent loans | 144.0116% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6069% | 1,889 |
| Noncurrent loans to loans | 1.0726% | 2,928 |
| Net loans and leases to total assets | 72.5510% | 1,755 |
| Net loans and leases to deposits | 82.9613% | 2,298 |
| Net loans and leases to core deposits | 86.7711% | 2,576 |
| Total domestic deposits to total assets | 87.4516% | 2,060 |
| Equity capital to assets | 10.8620% | 3,113 |
| Core capital (leverage) ratio | 10.8055% | 2,688 |
| Tier 1 risk-based capital ratio | 13.2572% | 4,692 |
| Total risk-based capital ratio | 14.3696% | 4,718 |
| Memoranda: | ||
| Average total assets | $218,394,500 | 2,822 |
| Average earning assets | $193,979,750 | 2,892 |
| Average equity | $22,864,750 | 2,872 |
| Average total loans | $158,731,000 | 2,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 480 |
| Cost of funding earning assets | 0.5493% | 2,355 |
| Net interest margin | 4.6832% | 506 |
| Noninterest income to average assets | 1.0345% | 1,111 |
| Noninterest expense to average assets | 3.9003% | 851 |
| Loan and lease loss provision to assets | 0.1601% | 1,549 |
| Net operating income to assets | 0.8049% | 3,303 |
| Return on assets (ROA) | 0.8049% | 3,406 |
| Pretax return on assets | 1.1306% | 2,973 |
| Return on Equity (ROE) | 7.7852% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.7852% | 1,397 |
| Net charge-offs to loans | -0.0202% | 5,550 |
| Credit loss provision to net charge-offs | -1,093.7500% | 5,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1366% | 2,789 |
| Assets per employee ($millions) | 2.8616% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 2,059 |
| Loan loss allowance to noncurrent loans | 210.6841% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 3,075 |
| Noncurrent loans to loans | 0.8184% | 3,663 |
| Net loans and leases to total assets | 70.9047% | 1,927 |
| Net loans and leases to deposits | 80.6270% | 2,430 |
| Net loans and leases to core deposits | 84.5066% | 2,686 |
| Total domestic deposits to total assets | 87.9416% | 1,935 |
| Equity capital to assets | 10.4922% | 3,448 |
| Core capital (leverage) ratio | 10.4346% | 3,034 |
| Tier 1 risk-based capital ratio | 13.2451% | 4,759 |
| Total risk-based capital ratio | 14.3560% | 4,777 |
| Memoranda: | ||
| Average total assets | $218,652,000 | 2,828 |
| Average earning assets | $194,056,670 | 2,906 |
| Average equity | $22,607,000 | 2,888 |
| Average total loans | $158,186,670 | 2,473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2292% | 462 |
| Cost of funding earning assets | 0.5663% | 2,279 |
| Net interest margin | 4.6629% | 496 |
| Noninterest income to average assets | 0.8099% | 1,713 |
| Noninterest expense to average assets | 3.8787% | 888 |
| Loan and lease loss provision to assets | 0.2296% | 966 |
| Net operating income to assets | 0.6262% | 4,060 |
| Return on assets (ROA) | 0.6262% | 4,145 |
| Pretax return on assets | 0.8301% | 3,977 |
| Return on Equity (ROE) | 6.1026% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1026% | 2,483 |
| Net charge-offs to loans | -0.0051% | 4,824 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5422% | 2,404 |
| Assets per employee ($millions) | 2.9243% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 2,356 |
| Loan loss allowance to noncurrent loans | 219.2465% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 2,818 |
| Noncurrent loans to loans | 0.7753% | 3,924 |
| Net loans and leases to total assets | 69.6577% | 1,955 |
| Net loans and leases to deposits | 78.8837% | 2,437 |
| Net loans and leases to core deposits | 82.7604% | 2,665 |
| Total domestic deposits to total assets | 88.3043% | 2,057 |
| Equity capital to assets | 10.1564% | 3,660 |
| Core capital (leverage) ratio | 10.3880% | 3,063 |
| Tier 1 risk-based capital ratio | 12.8014% | 5,121 |
| Total risk-based capital ratio | 13.9142% | 5,144 |
| Memoranda: | ||
| Average total assets | $217,805,500 | 2,855 |
| Average earning assets | $192,842,000 | 2,935 |
| Average equity | $22,351,000 | 2,908 |
| Average total loans | $157,792,000 | 2,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5327% | 342 |
| Cost of funding earning assets | 0.6737% | 2,012 |
| Net interest margin | 4.8590% | 389 |
| Noninterest income to average assets | 0.8682% | 1,793 |
| Noninterest expense to average assets | 3.7190% | 1,258 |
| Loan and lease loss provision to assets | 0.2781% | 1,248 |
| Net operating income to assets | 0.7996% | 3,292 |
| Return on assets (ROA) | 0.7871% | 3,460 |
| Pretax return on assets | 1.1357% | 2,825 |
| Return on Equity (ROE) | 7.7944% | 3,145 |
| Retained earnings to average equity (ytd only) | 5.3202% | 2,402 |
| Net charge-offs to loans | 0.2243% | 2,670 |
| Credit loss provision to net charge-offs | 171.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 8.8257% | 2,599 |
| Efficiency ratio | 72.2012% | 3,440 |
| Assets per employee ($millions) | 2.8075% | 6,096 |
| Cash dividends to net income (ytd only)* | 31.7432% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 2,707 |
| Loan loss allowance to noncurrent loans | 385.1964% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 3,374 |
| Noncurrent loans to loans | 0.4187% | 4,950 |
| Net loans and leases to total assets | 72.9012% | 1,536 |
| Net loans and leases to deposits | 82.7514% | 2,102 |
| Net loans and leases to core deposits | 86.8051% | 2,369 |
| Total domestic deposits to total assets | 88.0966% | 2,122 |
| Equity capital to assets | 10.3718% | 3,322 |
| Core capital (leverage) ratio | 10.2696% | 3,192 |
| Tier 1 risk-based capital ratio | 12.7990% | 5,112 |
| Total risk-based capital ratio | 13.9770% | 5,101 |
| Memoranda: | ||
| Average total assets | $215,729,800 | 2,851 |
| Average earning assets | $190,141,600 | 2,952 |
| Average equity | $21,784,800 | 2,946 |
| Average total loans | $156,047,000 | 2,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 352 |
| Cost of funding earning assets | 0.6918% | 2,008 |
| Net interest margin | 4.8395% | 401 |
| Noninterest income to average assets | 0.8234% | 2,044 |
| Noninterest expense to average assets | 3.7474% | 1,170 |
| Loan and lease loss provision to assets | 0.1849% | 1,970 |
| Net operating income to assets | 0.7990% | 3,348 |
| Return on assets (ROA) | 0.7939% | 3,512 |
| Pretax return on assets | 1.1483% | 2,904 |
| Return on Equity (ROE) | 7.9143% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.9143% | 1,446 |
| Net charge-offs to loans | 0.0343% | 4,450 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 54.3771% | 811 |
| Efficiency ratio | 73.6523% | 3,116 |
| Assets per employee ($millions) | 2.8270% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 2,884 |
| Loan loss allowance to noncurrent loans | 342.2460% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 3,398 |
| Noncurrent loans to loans | 0.4764% | 5,007 |
| Net loans and leases to total assets | 70.9608% | 1,789 |
| Net loans and leases to deposits | 80.5081% | 2,339 |
| Net loans and leases to core deposits | 84.5777% | 2,586 |
| Total domestic deposits to total assets | 88.1412% | 2,033 |
| Equity capital to assets | 10.2082% | 3,633 |
| Core capital (leverage) ratio | 10.3565% | 3,160 |
| Tier 1 risk-based capital ratio | 12.8767% | 5,208 |
| Total risk-based capital ratio | 14.0544% | 5,193 |
| Memoranda: | ||
| Average total assets | $216,320,500 | 2,871 |
| Average earning assets | $190,619,000 | 2,965 |
| Average equity | $21,698,500 | 2,994 |
| Average total loans | $155,534,500 | 2,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 389 |
| Cost of funding earning assets | 0.7155% | 1,957 |
| Net interest margin | 4.7590% | 461 |
| Noninterest income to average assets | 0.8199% | 2,108 |
| Noninterest expense to average assets | 3.7421% | 1,178 |
| Loan and lease loss provision to assets | 0.1390% | 2,590 |
| Net operating income to assets | 0.7789% | 3,414 |
| Return on assets (ROA) | 0.7968% | 3,469 |
| Pretax return on assets | 1.1553% | 2,861 |
| Return on Equity (ROE) | 7.9910% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.9910% | 1,490 |
| Net charge-offs to loans | 0.0516% | 3,950 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 34.2250% | 1,036 |
| Efficiency ratio | 74.6857% | 2,994 |
| Assets per employee ($millions) | 2.8007% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,551 |
| Loan loss allowance to noncurrent loans | 147.1306% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 2,840 |
| Noncurrent loans to loans | 1.0250% | 3,885 |
| Net loans and leases to total assets | 72.9874% | 1,405 |
| Net loans and leases to deposits | 82.7381% | 1,956 |
| Net loans and leases to core deposits | 86.8266% | 2,250 |
| Total domestic deposits to total assets | 88.2150% | 2,100 |
| Equity capital to assets | 10.0791% | 3,819 |
| Core capital (leverage) ratio | 10.1073% | 3,360 |
| Tier 1 risk-based capital ratio | 12.5687% | 5,455 |
| Total risk-based capital ratio | 13.7459% | 5,443 |
| Memoranda: | ||
| Average total assets | $215,868,000 | 2,891 |
| Average earning assets | $190,080,670 | 2,990 |
| Average equity | $21,524,330 | 3,030 |
| Average total loans | $155,037,330 | 2,504 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 503 |
| Cost of funding earning assets | 0.7490% | 1,857 |
| Net interest margin | 4.5639% | 601 |
| Noninterest income to average assets | 0.8149% | 2,073 |
| Noninterest expense to average assets | 3.7097% | 1,234 |
| Loan and lease loss provision to assets | 0.1389% | 2,507 |
| Net operating income to assets | 0.6687% | 3,856 |
| Return on assets (ROA) | 0.6853% | 3,910 |
| Pretax return on assets | 0.9964% | 3,365 |
| Return on Equity (ROE) | 6.9099% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.9099% | 2,194 |
| Net charge-offs to loans | 0.0917% | 2,926 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,335 |
| Efficiency ratio | 76.9497% | 2,772 |
| Assets per employee ($millions) | 2.8580% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,715 |
| Loan loss allowance to noncurrent loans | 148.9497% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 3,547 |
| Noncurrent loans to loans | 1.0243% | 4,085 |
| Net loans and leases to total assets | 68.6308% | 1,899 |
| Net loans and leases to deposits | 77.5347% | 2,412 |
| Net loans and leases to core deposits | 81.7455% | 2,606 |
| Total domestic deposits to total assets | 88.5162% | 1,996 |
| Equity capital to assets | 9.8325% | 4,378 |
| Core capital (leverage) ratio | 9.9276% | 3,495 |
| Tier 1 risk-based capital ratio | 12.7538% | 5,401 |
| Total risk-based capital ratio | 13.9285% | 5,397 |
| Memoranda: | ||
| Average total assets | $215,974,500 | 2,922 |
| Average earning assets | $189,573,500 | 3,017 |
| Average equity | $21,418,500 | 3,091 |
| Average total loans | $152,650,500 | 2,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 580 |
| Cost of funding earning assets | 0.8657% | 2,178 |
| Net interest margin | 4.6697% | 689 |
| Noninterest income to average assets | 0.9233% | 1,792 |
| Noninterest expense to average assets | 3.7266% | 1,367 |
| Loan and lease loss provision to assets | 0.6822% | 773 |
| Net operating income to assets | 0.4992% | 4,699 |
| Return on assets (ROA) | 0.5779% | 4,607 |
| Pretax return on assets | 0.7415% | 4,513 |
| Return on Equity (ROE) | 5.7860% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.2953% | 3,910 |
| Net charge-offs to loans | 0.9130% | 1,239 |
| Credit loss provision to net charge-offs | 103.6337% | 2,888 |
| Earnings coverage of net charge-offs (x) | 2.0094% | 4,408 |
| Efficiency ratio | 73.8039% | 3,097 |
| Assets per employee ($millions) | 2.7517% | 6,368 |
| Cash dividends to net income (ytd only)* | 43.0464% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 3,691 |
| Loan loss allowance to noncurrent loans | 181.2451% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 2,839 |
| Noncurrent loans to loans | 0.8353% | 4,525 |
| Net loans and leases to total assets | 70.6182% | 1,723 |
| Net loans and leases to deposits | 79.9414% | 2,290 |
| Net loans and leases to core deposits | 84.3845% | 2,504 |
| Total domestic deposits to total assets | 88.3374% | 2,008 |
| Equity capital to assets | 10.0050% | 4,156 |
| Core capital (leverage) ratio | 9.9634% | 3,447 |
| Tier 1 risk-based capital ratio | 12.6609% | 5,355 |
| Total risk-based capital ratio | 13.8349% | 5,360 |
| Memoranda: | ||
| Average total assets | $209,037,800 | 2,937 |
| Average earning assets | $184,702,600 | 3,034 |
| Average equity | $20,878,000 | 3,098 |
| Average total loans | $150,711,400 | 2,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 655 |
| Cost of funding earning assets | 0.8874% | 2,254 |
| Net interest margin | 4.6303% | 774 |
| Noninterest income to average assets | 0.9421% | 1,700 |
| Noninterest expense to average assets | 3.8291% | 1,160 |
| Loan and lease loss provision to assets | 0.8013% | 587 |
| Net operating income to assets | 0.3409% | 5,469 |
| Return on assets (ROA) | 0.4538% | 5,265 |
| Pretax return on assets | 0.5434% | 5,336 |
| Return on Equity (ROE) | 4.5453% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.5453% | 3,699 |
| Net charge-offs to loans | 1.1178% | 903 |
| Credit loss provision to net charge-offs | 99.2863% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.4996% | 4,540 |
| Efficiency ratio | 75.9843% | 2,684 |
| Assets per employee ($millions) | 2.8409% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 4,065 |
| Loan loss allowance to noncurrent loans | 119.7115% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.8999% | 2,784 |
| Noncurrent loans to loans | 1.2279% | 3,997 |
| Net loans and leases to total assets | 71.4515% | 1,654 |
| Net loans and leases to deposits | 81.0902% | 2,240 |
| Net loans and leases to core deposits | 85.7680% | 2,494 |
| Total domestic deposits to total assets | 88.1137% | 1,974 |
| Equity capital to assets | 10.0892% | 4,375 |
| Core capital (leverage) ratio | 10.1116% | 3,393 |
| Tier 1 risk-based capital ratio | 12.7363% | 5,453 |
| Total risk-based capital ratio | 13.9096% | 5,476 |
| Memoranda: | ||
| Average total assets | $208,326,500 | 2,978 |
| Average earning assets | $184,345,250 | 3,063 |
| Average equity | $20,797,750 | 3,138 |
| Average total loans | $150,407,250 | 2,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 623 |
| Cost of funding earning assets | 0.9071% | 2,345 |
| Net interest margin | 4.6552% | 741 |
| Noninterest income to average assets | 1.0496% | 1,319 |
| Noninterest expense to average assets | 3.6303% | 1,512 |
| Loan and lease loss provision to assets | 0.9649% | 464 |
| Net operating income to assets | 0.4527% | 5,027 |
| Return on assets (ROA) | 0.6124% | 4,568 |
| Pretax return on assets | 0.7733% | 4,566 |
| Return on Equity (ROE) | 6.1567% | 4,241 |
| Retained earnings to average equity (ytd only) | 6.1567% | 2,604 |
| Net charge-offs to loans | 1.6817% | 547 |
| Credit loss provision to net charge-offs | 79.5870% | 3,330 |
| Earnings coverage of net charge-offs (x) | 1.2669% | 4,376 |
| Efficiency ratio | 70.2703% | 3,720 |
| Assets per employee ($millions) | 2.8180% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 4,763 |
| Loan loss allowance to noncurrent loans | 94.5446% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1977% | 2,543 |
| Noncurrent loans to loans | 1.4029% | 3,816 |
| Net loans and leases to total assets | 71.1008% | 1,721 |
| Net loans and leases to deposits | 80.6124% | 2,295 |
| Net loans and leases to core deposits | 85.2909% | 2,519 |
| Total domestic deposits to total assets | 88.2009% | 2,017 |
| Equity capital to assets | 10.0498% | 4,260 |
| Core capital (leverage) ratio | 10.0733% | 3,320 |
| Tier 1 risk-based capital ratio | 12.8255% | 5,318 |
| Total risk-based capital ratio | 13.9605% | 5,380 |
| Memoranda: | ||
| Average total assets | $207,693,670 | 3,000 |
| Average earning assets | $183,665,330 | 3,076 |
| Average equity | $20,660,330 | 3,141 |
| Average total loans | $149,726,330 | 2,620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 728 |
| Cost of funding earning assets | 0.9294% | 2,446 |
| Net interest margin | 4.5906% | 836 |
| Noninterest income to average assets | 1.2698% | 878 |
| Noninterest expense to average assets | 3.5489% | 1,665 |
| Loan and lease loss provision to assets | 0.9456% | 452 |
| Net operating income to assets | 0.6560% | 4,101 |
| Return on assets (ROA) | 0.7410% | 3,906 |
| Pretax return on assets | 0.9765% | 3,764 |
| Return on Equity (ROE) | 7.4883% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.4883% | 2,178 |
| Net charge-offs to loans | 0.4657% | 1,922 |
| Credit loss provision to net charge-offs | 281.6092% | 1,039 |
| Earnings coverage of net charge-offs (x) | 5.3908% | 2,385 |
| Efficiency ratio | 66.2225% | 4,519 |
| Assets per employee ($millions) | 2.9101% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 3,297 |
| Loan loss allowance to noncurrent loans | 50.2153% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7514% | 2,136 |
| Noncurrent loans to loans | 3.4105% | 1,842 |
| Net loans and leases to total assets | 70.2850% | 1,708 |
| Net loans and leases to deposits | 79.6472% | 2,253 |
| Net loans and leases to core deposits | 84.2382% | 2,521 |
| Total domestic deposits to total assets | 88.2454% | 2,164 |
| Equity capital to assets | 9.9004% | 4,254 |
| Core capital (leverage) ratio | 10.0682% | 3,290 |
| Tier 1 risk-based capital ratio | 12.8686% | 5,304 |
| Total risk-based capital ratio | 14.0421% | 5,351 |
| Memoranda: | ||
| Average total assets | $207,274,500 | 3,021 |
| Average earning assets | $184,639,000 | 3,086 |
| Average equity | $20,512,000 | 3,161 |
| Average total loans | $149,459,000 | 2,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 799 |
| Cost of funding earning assets | 1.1119% | 2,597 |
| Net interest margin | 4.5753% | 969 |
| Noninterest income to average assets | 0.8161% | 1,978 |
| Noninterest expense to average assets | 3.6149% | 1,718 |
| Loan and lease loss provision to assets | 0.4138% | 2,525 |
| Net operating income to assets | 0.6085% | 3,958 |
| Return on assets (ROA) | 0.7002% | 3,674 |
| Pretax return on assets | 0.9746% | 3,335 |
| Return on Equity (ROE) | 6.9310% | 3,428 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,079 |
| Net charge-offs to loans | 0.4402% | 3,235 |
| Credit loss provision to net charge-offs | 132.0000% | 2,307 |
| Earnings coverage of net charge-offs (x) | 4.0224% | 3,301 |
| Efficiency ratio | 74.1385% | 3,214 |
| Assets per employee ($millions) | 2.8876% | 6,305 |
| Cash dividends to net income (ytd only)* | 37.2493% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,977 |
| Loan loss allowance to noncurrent loans | 58.7008% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 2,718 |
| Noncurrent loans to loans | 2.5710% | 2,554 |
| Net loans and leases to total assets | 71.6196% | 1,707 |
| Net loans and leases to deposits | 81.3825% | 2,295 |
| Net loans and leases to core deposits | 86.4178% | 2,582 |
| Total domestic deposits to total assets | 88.0037% | 2,150 |
| Equity capital to assets | 9.8916% | 4,318 |
| Core capital (leverage) ratio | 9.9404% | 3,405 |
| Tier 1 risk-based capital ratio | 12.7769% | 5,256 |
| Total risk-based capital ratio | 13.9478% | 5,287 |
| Memoranda: | ||
| Average total assets | $199,368,200 | 3,064 |
| Average earning assets | $176,907,400 | 3,130 |
| Average equity | $20,141,400 | 3,113 |
| Average total loans | $141,965,600 | 2,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 898 |
| Cost of funding earning assets | 1.1444% | 2,665 |
| Net interest margin | 4.5266% | 1,087 |
| Noninterest income to average assets | 0.8029% | 2,043 |
| Noninterest expense to average assets | 3.6970% | 1,505 |
| Loan and lease loss provision to assets | 0.2815% | 3,273 |
| Net operating income to assets | 0.6091% | 4,046 |
| Return on assets (ROA) | 0.7025% | 3,773 |
| Pretax return on assets | 0.9645% | 3,542 |
| Return on Equity (ROE) | 6.9162% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.9162% | 2,020 |
| Net charge-offs to loans | 0.2901% | 3,640 |
| Credit loss provision to net charge-offs | 137.0492% | 2,323 |
| Earnings coverage of net charge-offs (x) | 5.4426% | 2,783 |
| Efficiency ratio | 76.7800% | 2,706 |
| Assets per employee ($millions) | 2.9729% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,183 |
| Loan loss allowance to noncurrent loans | 68.9293% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 3,294 |
| Noncurrent loans to loans | 2.1530% | 3,175 |
| Net loans and leases to total assets | 69.9981% | 2,083 |
| Net loans and leases to deposits | 79.5734% | 2,708 |
| Net loans and leases to core deposits | 84.2696% | 3,023 |
| Total domestic deposits to total assets | 87.9667% | 2,049 |
| Equity capital to assets | 10.0712% | 4,249 |
| Core capital (leverage) ratio | 10.2673% | 3,115 |
| Tier 1 risk-based capital ratio | 13.0439% | 5,063 |
| Total risk-based capital ratio | 14.2131% | 5,094 |
| Memoranda: | ||
| Average total assets | $197,954,750 | 3,097 |
| Average earning assets | $175,462,500 | 3,165 |
| Average equity | $20,106,750 | 3,126 |
| Average total loans | $140,185,500 | 2,805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 916 |
| Cost of funding earning assets | 1.1693% | 2,781 |
| Net interest margin | 4.5049% | 1,123 |
| Noninterest income to average assets | 0.8028% | 2,002 |
| Noninterest expense to average assets | 3.6899% | 1,543 |
| Loan and lease loss provision to assets | 0.2741% | 3,197 |
| Net operating income to assets | 0.6120% | 4,002 |
| Return on assets (ROA) | 0.6596% | 3,870 |
| Pretax return on assets | 0.8867% | 3,672 |
| Return on Equity (ROE) | 6.4750% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.4750% | 2,152 |
| Net charge-offs to loans | 0.0101% | 5,711 |
| Credit loss provision to net charge-offs | 3,828.5714% | 80 |
| Earnings coverage of net charge-offs (x) | 153.1429% | 234 |
| Efficiency ratio | 77.0940% | 2,846 |
| Assets per employee ($millions) | 2.8606% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,601 |
| Loan loss allowance to noncurrent loans | 64.1232% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.1896% | 2,998 |
| Noncurrent loans to loans | 2.5345% | 2,854 |
| Net loans and leases to total assets | 70.8705% | 2,036 |
| Net loans and leases to deposits | 80.8040% | 2,645 |
| Net loans and leases to core deposits | 85.4930% | 2,999 |
| Total domestic deposits to total assets | 87.7067% | 2,335 |
| Equity capital to assets | 10.2850% | 3,768 |
| Core capital (leverage) ratio | 10.2054% | 3,027 |
| Tier 1 risk-based capital ratio | 13.4425% | 4,571 |
| Total risk-based capital ratio | 14.6093% | 4,622 |
| Memoranda: | ||
| Average total assets | $195,563,000 | 3,144 |
| Average earning assets | $172,922,330 | 3,225 |
| Average equity | $19,922,670 | 3,137 |
| Average total loans | $138,330,670 | 2,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6260% | 1,012 |
| Cost of funding earning assets | 1.1813% | 2,938 |
| Net interest margin | 4.4448% | 1,187 |
| Noninterest income to average assets | 0.7727% | 2,140 |
| Noninterest expense to average assets | 3.5941% | 1,786 |
| Loan and lease loss provision to assets | 0.2425% | 3,246 |
| Net operating income to assets | 0.6453% | 3,774 |
| Return on assets (ROA) | 0.6453% | 3,852 |
| Pretax return on assets | 0.8795% | 3,579 |
| Return on Equity (ROE) | 6.3648% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.3648% | 2,440 |
| Net charge-offs to loans | -0.0968% | 7,077 |
| Credit loss provision to net charge-offs | -357.5758% | 5,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2092% | 3,128 |
| Assets per employee ($millions) | 2.9434% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,739 |
| Loan loss allowance to noncurrent loans | 57.0651% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 3,005 |
| Noncurrent loans to loans | 2.7998% | 2,699 |
| Net loans and leases to total assets | 68.7407% | 2,396 |
| Net loans and leases to deposits | 78.2453% | 3,015 |
| Net loans and leases to core deposits | 82.4981% | 3,381 |
| Total domestic deposits to total assets | 87.8527% | 2,459 |
| Equity capital to assets | 10.1138% | 3,635 |
| Core capital (leverage) ratio | 10.2373% | 2,882 |
| Tier 1 risk-based capital ratio | 13.5045% | 4,415 |
| Total risk-based capital ratio | 14.6691% | 4,466 |
| Memoranda: | ||
| Average total assets | $194,652,500 | 3,180 |
| Average earning assets | $172,698,000 | 3,262 |
| Average equity | $19,733,500 | 3,158 |
| Average total loans | $136,397,000 | 2,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7830% | 1,325 |
| Cost of funding earning assets | 1.4271% | 3,087 |
| Net interest margin | 4.3559% | 1,631 |
| Noninterest income to average assets | 0.9335% | 1,733 |
| Noninterest expense to average assets | 3.5769% | 1,983 |
| Loan and lease loss provision to assets | 0.3761% | 3,867 |
| Net operating income to assets | 0.5858% | 3,733 |
| Return on assets (ROA) | 0.7838% | 2,996 |
| Pretax return on assets | 1.1079% | 2,545 |
| Return on Equity (ROE) | 7.5663% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.8733% | 2,494 |
| Net charge-offs to loans | 0.4686% | 3,743 |
| Credit loss provision to net charge-offs | 116.6389% | 3,680 |
| Earnings coverage of net charge-offs (x) | 3.7371% | 3,213 |
| Efficiency ratio | 74.8009% | 3,236 |
| Assets per employee ($millions) | 2.7841% | 6,543 |
| Cash dividends to net income (ytd only)* | 35.5921% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,907 |
| Loan loss allowance to noncurrent loans | 85.7382% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,993 |
| Noncurrent loans to loans | 1.7707% | 3,854 |
| Net loans and leases to total assets | 69.2259% | 2,718 |
| Net loans and leases to deposits | 79.1344% | 3,316 |
| Net loans and leases to core deposits | 83.8597% | 3,619 |
| Total domestic deposits to total assets | 87.4789% | 2,563 |
| Equity capital to assets | 10.1624% | 3,543 |
| Core capital (leverage) ratio | 10.2213% | 2,842 |
| Tier 1 risk-based capital ratio | 13.4232% | 4,275 |
| Total risk-based capital ratio | 14.5856% | 4,309 |
| Memoranda: | ||
| Average total assets | $186,390,800 | 3,278 |
| Average earning assets | $164,672,000 | 3,365 |
| Average equity | $19,309,200 | 3,239 |
| Average total loans | $128,251,200 | 3,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 1,596 |
| Cost of funding earning assets | 1.4845% | 3,069 |
| Net interest margin | 4.2492% | 2,038 |
| Noninterest income to average assets | 0.9400% | 1,648 |
| Noninterest expense to average assets | 3.5970% | 1,802 |
| Loan and lease loss provision to assets | 0.3352% | 3,923 |
| Net operating income to assets | 0.5369% | 4,153 |
| Return on assets (ROA) | 0.7713% | 3,280 |
| Pretax return on assets | 1.0870% | 2,865 |
| Return on Equity (ROE) | 7.4088% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.4088% | 1,637 |
| Net charge-offs to loans | 0.5415% | 3,135 |
| Credit loss provision to net charge-offs | 90.4669% | 4,744 |
| Earnings coverage of net charge-offs (x) | 2.9475% | 3,657 |
| Efficiency ratio | 76.7102% | 2,814 |
| Assets per employee ($millions) | 2.9332% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 4,168 |
| Loan loss allowance to noncurrent loans | 58.9823% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.9859% | 3,486 |
| Noncurrent loans to loans | 2.4722% | 3,152 |
| Net loans and leases to total assets | 68.4352% | 3,118 |
| Net loans and leases to deposits | 78.5063% | 3,737 |
| Net loans and leases to core deposits | 83.6568% | 4,001 |
| Total domestic deposits to total assets | 87.1717% | 2,432 |
| Equity capital to assets | 10.5718% | 3,443 |
| Core capital (leverage) ratio | 10.6203% | 2,579 |
| Tier 1 risk-based capital ratio | 13.9541% | 3,876 |
| Total risk-based capital ratio | 15.1129% | 3,914 |
| Memoranda: | ||
| Average total assets | $184,963,500 | 3,346 |
| Average earning assets | $163,197,000 | 3,435 |
| Average equity | $19,256,000 | 3,284 |
| Average total loans | $126,555,750 | 3,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 1,869 |
| Cost of funding earning assets | 1.5514% | 2,949 |
| Net interest margin | 4.1199% | 2,468 |
| Noninterest income to average assets | 0.9107% | 1,654 |
| Noninterest expense to average assets | 3.5905% | 1,804 |
| Loan and lease loss provision to assets | 0.2825% | 4,137 |
| Net operating income to assets | 0.4771% | 4,427 |
| Return on assets (ROA) | 0.8194% | 3,031 |
| Pretax return on assets | 1.1628% | 2,545 |
| Return on Equity (ROE) | 7.9121% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.9121% | 1,478 |
| Net charge-offs to loans | 0.5731% | 2,818 |
| Credit loss provision to net charge-offs | 72.4234% | 4,907 |
| Earnings coverage of net charge-offs (x) | 2.4513% | 3,768 |
| Efficiency ratio | 78.9675% | 2,578 |
| Assets per employee ($millions) | 2.8202% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,284 |
| Loan loss allowance to noncurrent loans | 54.3932% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 3,462 |
| Noncurrent loans to loans | 2.6311% | 3,007 |
| Net loans and leases to total assets | 69.5452% | 3,009 |
| Net loans and leases to deposits | 79.8299% | 3,625 |
| Net loans and leases to core deposits | 85.6588% | 3,881 |
| Total domestic deposits to total assets | 87.1166% | 2,474 |
| Equity capital to assets | 10.6037% | 3,276 |
| Core capital (leverage) ratio | 10.5196% | 2,616 |
| Tier 1 risk-based capital ratio | 13.9755% | 3,747 |
| Total risk-based capital ratio | 15.1326% | 3,777 |
| Memoranda: | ||
| Average total assets | $184,043,000 | 3,387 |
| Average earning assets | $162,430,670 | 3,474 |
| Average equity | $19,059,330 | 3,295 |
| Average total loans | $125,284,000 | 3,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 2,328 |
| Cost of funding earning assets | 1.6286% | 2,782 |
| Net interest margin | 3.9303% | 3,198 |
| Noninterest income to average assets | 0.8590% | 1,777 |
| Noninterest expense to average assets | 3.5378% | 1,893 |
| Loan and lease loss provision to assets | 0.2278% | 4,220 |
| Net operating income to assets | 0.3881% | 4,888 |
| Return on assets (ROA) | 0.9718% | 2,359 |
| Pretax return on assets | 1.4099% | 1,743 |
| Return on Equity (ROE) | 9.4966% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.4966% | 1,270 |
| Net charge-offs to loans | 0.1233% | 4,232 |
| Credit loss provision to net charge-offs | 276.3158% | 1,436 |
| Earnings coverage of net charge-offs (x) | 9.6053% | 1,829 |
| Efficiency ratio | 81.7134% | 2,313 |
| Assets per employee ($millions) | 2.8900% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,331 |
| Loan loss allowance to noncurrent loans | 46.1450% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3633% | 3,069 |
| Noncurrent loans to loans | 3.5304% | 2,260 |
| Net loans and leases to total assets | 65.8504% | 3,896 |
| Net loans and leases to deposits | 75.4756% | 4,504 |
| Net loans and leases to core deposits | 80.9947% | 4,627 |
| Total domestic deposits to total assets | 87.2473% | 2,505 |
| Equity capital to assets | 10.3565% | 3,399 |
| Core capital (leverage) ratio | 10.4573% | 2,660 |
| Tier 1 risk-based capital ratio | 14.0238% | 3,638 |
| Total risk-based capital ratio | 15.1815% | 3,663 |
| Memoranda: | ||
| Average total assets | $184,407,500 | 3,440 |
| Average earning assets | $162,836,000 | 3,513 |
| Average equity | $18,870,000 | 3,334 |
| Average total loans | $123,257,500 | 3,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4482% | 739 |
| Cost of funding earning assets | 1.9843% | 3,035 |
| Net interest margin | 4.4639% | 1,262 |
| Noninterest income to average assets | 1.0245% | 1,489 |
| Noninterest expense to average assets | 3.8119% | 1,677 |
| Loan and lease loss provision to assets | 1.0728% | 2,138 |
| Net operating income to assets | 0.0233% | 5,421 |
| Return on assets (ROA) | 0.2486% | 4,804 |
| Pretax return on assets | 0.2814% | 4,812 |
| Return on Equity (ROE) | 2.3907% | 4,750 |
| Retained earnings to average equity (ytd only) | -0.4870% | 5,101 |
| Net charge-offs to loans | 0.8913% | 2,614 |
| Credit loss provision to net charge-offs | 177.6930% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.8189% | 4,360 |
| Efficiency ratio | 77.6345% | 3,253 |
| Assets per employee ($millions) | 2.8728% | 6,509 |
| Cash dividends to net income (ytd only)* | 120.3704% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 3,328 |
| Loan loss allowance to noncurrent loans | 54.4541% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 3,199 |
| Noncurrent loans to loans | 2.9184% | 2,643 |
| Net loans and leases to total assets | 65.6773% | 4,240 |
| Net loans and leases to deposits | 75.2895% | 4,842 |
| Net loans and leases to core deposits | 92.2025% | 4,863 |
| Total domestic deposits to total assets | 87.2331% | 2,371 |
| Equity capital to assets | 10.1083% | 3,608 |
| Core capital (leverage) ratio | 10.2220% | 2,861 |
| Tier 1 risk-based capital ratio | 13.2974% | 3,949 |
| Total risk-based capital ratio | 14.4565% | 3,957 |
| Memoranda: | ||
| Average total assets | $173,745,000 | 3,544 |
| Average earning assets | $151,236,400 | 3,686 |
| Average equity | $18,069,800 | 3,498 |
| Average total loans | $117,691,600 | 3,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5582% | 666 |
| Cost of funding earning assets | 2.0493% | 3,121 |
| Net interest margin | 4.5089% | 1,171 |
| Noninterest income to average assets | 1.0622% | 1,408 |
| Noninterest expense to average assets | 3.8336% | 1,532 |
| Loan and lease loss provision to assets | 1.1471% | 1,695 |
| Net operating income to assets | 0.0405% | 5,627 |
| Return on assets (ROA) | 0.0950% | 5,533 |
| Pretax return on assets | 0.0475% | 5,616 |
| Return on Equity (ROE) | 0.9066% | 5,524 |
| Retained earnings to average equity (ytd only) | 0.9066% | 4,802 |
| Net charge-offs to loans | 0.6470% | 2,745 |
| Credit loss provision to net charge-offs | 260.7080% | 1,635 |
| Earnings coverage of net charge-offs (x) | 2.5912% | 3,928 |
| Efficiency ratio | 77.0784% | 3,304 |
| Assets per employee ($millions) | 2.8452% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 2,668 |
| Loan loss allowance to noncurrent loans | 39.9101% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.1319% | 2,181 |
| Noncurrent loans to loans | 4.2355% | 1,699 |
| Net loans and leases to total assets | 66.2845% | 4,360 |
| Net loans and leases to deposits | 76.2818% | 4,991 |
| Net loans and leases to core deposits | 93.7071% | 5,045 |
| Total domestic deposits to total assets | 86.8943% | 2,236 |
| Equity capital to assets | 10.4881% | 3,528 |
| Core capital (leverage) ratio | 10.6870% | 2,641 |
| Tier 1 risk-based capital ratio | 13.5337% | 3,822 |
| Total risk-based capital ratio | 14.6414% | 3,869 |
| Memoranda: | ||
| Average total assets | $171,216,750 | 3,607 |
| Average earning assets | $148,533,000 | 3,751 |
| Average equity | $17,941,000 | 3,546 |
| Average total loans | $116,438,750 | 3,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6823% | 559 |
| Cost of funding earning assets | 2.1120% | 3,212 |
| Net interest margin | 4.5703% | 1,016 |
| Noninterest income to average assets | 1.0182% | 1,530 |
| Noninterest expense to average assets | 3.7522% | 1,739 |
| Loan and lease loss provision to assets | 0.3833% | 3,620 |
| Net operating income to assets | 0.6062% | 3,652 |
| Return on assets (ROA) | 0.6408% | 3,604 |
| Pretax return on assets | 0.8769% | 3,414 |
| Return on Equity (ROE) | 6.1174% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.1174% | 1,962 |
| Net charge-offs to loans | 0.1253% | 4,910 |
| Credit loss provision to net charge-offs | 448.6111% | 1,036 |
| Earnings coverage of net charge-offs (x) | 14.1944% | 1,674 |
| Efficiency ratio | 75.5736% | 3,778 |
| Assets per employee ($millions) | 2.6896% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,114 |
| Loan loss allowance to noncurrent loans | 29.1238% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 3.0529% | 2,073 |
| Noncurrent loans to loans | 4.0337% | 1,674 |
| Net loans and leases to total assets | 68.8103% | 3,994 |
| Net loans and leases to deposits | 79.6604% | 4,587 |
| Net loans and leases to core deposits | 95.2262% | 4,986 |
| Total domestic deposits to total assets | 86.3796% | 2,583 |
| Equity capital to assets | 10.8520% | 3,055 |
| Core capital (leverage) ratio | 11.3521% | 2,168 |
| Tier 1 risk-based capital ratio | 13.9289% | 3,562 |
| Total risk-based capital ratio | 14.8019% | 3,719 |
| Memoranda: | ||
| Average total assets | $168,539,000 | 3,670 |
| Average earning assets | $145,548,670 | 3,833 |
| Average equity | $17,654,670 | 3,591 |
| Average total loans | $114,965,670 | 3,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7925% | 487 |
| Cost of funding earning assets | 2.1791% | 3,267 |
| Net interest margin | 4.6133% | 920 |
| Noninterest income to average assets | 0.9448% | 1,668 |
| Noninterest expense to average assets | 3.5934% | 1,881 |
| Loan and lease loss provision to assets | 0.3808% | 3,037 |
| Net operating income to assets | 0.6616% | 3,753 |
| Return on assets (ROA) | 0.6616% | 3,928 |
| Pretax return on assets | 0.9305% | 3,602 |
| Return on Equity (ROE) | 6.4322% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.4322% | 2,447 |
| Net charge-offs to loans | -0.0282% | 7,539 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2654% | 3,957 |
| Assets per employee ($millions) | 2.7097% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,250 |
| Loan loss allowance to noncurrent loans | 35.4654% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 2,668 |
| Noncurrent loans to loans | 3.1911% | 2,029 |
| Net loans and leases to total assets | 66.6794% | 4,419 |
| Net loans and leases to deposits | 76.5175% | 5,149 |
| Net loans and leases to core deposits | 91.0486% | 5,451 |
| Total domestic deposits to total assets | 87.1426% | 2,154 |
| Equity capital to assets | 10.0802% | 3,901 |
| Core capital (leverage) ratio | 11.3548% | 2,244 |
| Tier 1 risk-based capital ratio | 14.1086% | 3,523 |
| Total risk-based capital ratio | 14.9426% | 3,669 |
| Memoranda: | ||
| Average total assets | $168,086,500 | 3,689 |
| Average earning assets | $144,277,500 | 3,870 |
| Average equity | $17,288,000 | 3,678 |
| Average total loans | $113,458,000 | 3,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8883% | 1,430 |
| Cost of funding earning assets | 2.7134% | 3,098 |
| Net interest margin | 4.1749% | 2,417 |
| Noninterest income to average assets | 0.9743% | 1,678 |
| Noninterest expense to average assets | 3.5552% | 2,250 |
| Loan and lease loss provision to assets | 0.2162% | 4,723 |
| Net operating income to assets | 0.6445% | 4,128 |
| Return on assets (ROA) | 0.7562% | 3,475 |
| Pretax return on assets | 1.0238% | 3,295 |
| Return on Equity (ROE) | 6.9516% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.0644% | 2,598 |
| Net charge-offs to loans | 0.1348% | 4,875 |
| Credit loss provision to net charge-offs | 241.8919% | 1,933 |
| Earnings coverage of net charge-offs (x) | 12.1824% | 2,279 |
| Efficiency ratio | 76.5509% | 3,146 |
| Assets per employee ($millions) | 2.6264% | 6,946 |
| Cash dividends to net income (ytd only)* | 41.5335% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 5,883 |
| Loan loss allowance to noncurrent loans | 60.4688% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,005 |
| Noncurrent loans to loans | 1.6791% | 3,251 |
| Net loans and leases to total assets | 66.8728% | 4,665 |
| Net loans and leases to deposits | 77.4349% | 5,417 |
| Net loans and leases to core deposits | 93.7831% | 5,464 |
| Total domestic deposits to total assets | 86.3600% | 2,234 |
| Equity capital to assets | 10.4967% | 3,508 |
| Core capital (leverage) ratio | 11.3304% | 2,349 |
| Tier 1 risk-based capital ratio | 14.3601% | 3,357 |
| Total risk-based capital ratio | 15.0927% | 3,544 |
| Memoranda: | ||
| Average total assets | $165,561,600 | 3,624 |
| Average earning assets | $145,537,400 | 3,728 |
| Average equity | $18,010,200 | 3,554 |
| Average total loans | $109,757,000 | 3,679 |