Home > Tradition Capital Bank > Performance and Condition Ratios
Tradition Capital 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 | 4.8306% | 2,414 |
| Cost of funding earning assets | 2.9221% | 165 |
| Net interest margin | 1.9085% | 4,437 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.4232% | 4,379 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.2493% | 4,097 |
| Return on assets (ROA) | 0.2481% | 4,106 |
| Pretax return on assets | 0.3482% | 4,040 |
| Return on Equity (ROE) | 3.3500% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.3455% | 3,183 |
| Net charge-offs to loans | 0.0250% | 1,814 |
| Credit loss provision to net charge-offs | 887.5269% | 452 |
| Earnings coverage of net charge-offs (x) | 25.3957% | 1,734 |
| Efficiency ratio | 73.4778% | 1,509 |
| Assets per employee ($millions) | 17.5622% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,226 |
| Loan loss allowance to noncurrent loans | 2,997.4233% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,418 |
| Noncurrent loans to loans | 0.0404% | 3,433 |
| Net loans and leases to total assets | 81.5900% | 472 |
| Net loans and leases to deposits | 120.8741% | 79 |
| Net loans and leases to core deposits | 160.7253% | 150 |
| Total domestic deposits to total assets | 67.5000% | 4,350 |
| Equity capital to assets | 7.3003% | 3,816 |
| Core capital (leverage) ratio | 8.2918% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9536% | 2,823 |
| Memoranda: | ||
| Average total assets | $2,298,713,600 | 503 |
| Average earning assets | $2,219,283,000 | 477 |
| Average equity | $170,498,200 | 613 |
| Average total loans | $1,858,047,400 | 426 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,329 |
| Cost of funding earning assets | 2.8237% | 151 |
| Net interest margin | 1.9464% | 4,460 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.4863% | 4,324 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.2387% | 4,193 |
| Return on assets (ROA) | 0.2371% | 4,205 |
| Pretax return on assets | 0.3376% | 4,125 |
| Return on Equity (ROE) | 3.1800% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.1828% | 3,469 |
| Net charge-offs to loans | 0.0334% | 1,419 |
| Credit loss provision to net charge-offs | 632.2368% | 540 |
| Earnings coverage of net charge-offs (x) | 18.1557% | 1,876 |
| Efficiency ratio | 75.2917% | 1,244 |
| Assets per employee ($millions) | 16.7536% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,345 |
| Loan loss allowance to noncurrent loans | 910.9976% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,843 |
| Noncurrent loans to loans | 0.1320% | 2,889 |
| Net loans and leases to total assets | 81.8200% | 452 |
| Net loans and leases to deposits | 122.2375% | 67 |
| Net loans and leases to core deposits | 162.7086% | 98 |
| Total domestic deposits to total assets | 66.9400% | 4,388 |
| Equity capital to assets | 7.3709% | 3,436 |
| Core capital (leverage) ratio | 8.2900% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9941% | 2,821 |
| Memoranda: | ||
| Average total assets | $2,263,104,500 | 512 |
| Average earning assets | $2,184,186,750 | 488 |
| Average equity | $168,570,000 | 615 |
| Average total loans | $1,818,515,250 | 437 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 2,295 |
| Cost of funding earning assets | 2.6552% | 140 |
| Net interest margin | 2.0010% | 4,495 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.4775% | 4,353 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.2568% | 4,222 |
| Return on assets (ROA) | 0.2544% | 4,245 |
| Pretax return on assets | 0.3619% | 4,167 |
| Return on Equity (ROE) | 3.4000% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.4033% | 3,373 |
| Net charge-offs to loans | 0.0528% | 990 |
| Credit loss provision to net charge-offs | 438.7234% | 698 |
| Earnings coverage of net charge-offs (x) | 12.5426% | 1,936 |
| Efficiency ratio | 73.7440% | 1,375 |
| Assets per employee ($millions) | 16.8377% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,548 |
| Loan loss allowance to noncurrent loans | 1,307.5439% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,047 |
| Noncurrent loans to loans | 0.0902% | 3,056 |
| Net loans and leases to total assets | 79.4600% | 684 |
| Net loans and leases to deposits | 119.8135% | 92 |
| Net loans and leases to core deposits | 155.4003% | 117 |
| Total domestic deposits to total assets | 66.3200% | 4,431 |
| Equity capital to assets | 7.3338% | 3,618 |
| Core capital (leverage) ratio | 8.4560% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9282% | 2,857 |
| Memoranda: | ||
| Average total assets | $2,241,224,667 | 499 |
| Average earning assets | $2,162,267,667 | 482 |
| Average equity | $167,543,667 | 612 |
| Average total loans | $1,781,804,667 | 431 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 2,415 |
| Cost of funding earning assets | 2.4098% | 117 |
| Net interest margin | 2.0462% | 4,549 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.5297% | 4,366 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.2339% | 4,321 |
| Return on assets (ROA) | 0.2290% | 4,290 |
| Pretax return on assets | 0.3256% | 4,240 |
| Return on Equity (ROE) | 3.0300% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.0326% | 3,496 |
| Net charge-offs to loans | -0.0097% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.9260% | 1,253 |
| Assets per employee ($millions) | 16.3866% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,523 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.9300% | 653 |
| Net loans and leases to deposits | 118.3798% | 95 |
| Net loans and leases to core deposits | 156.0023% | 105 |
| Total domestic deposits to total assets | 66.6700% | 4,478 |
| Equity capital to assets | 7.4654% | 3,580 |
| Core capital (leverage) ratio | 8.8831% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9549% | 2,952 |
| Memoranda: | ||
| Average total assets | $2,183,198,500 | 518 |
| Average earning assets | $2,105,385,000 | 497 |
| Average equity | $164,876,500 | 632 |
| Average total loans | $1,724,940,500 | 448 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 2,166 |
| Cost of funding earning assets | 0.9643% | 191 |
| Net interest margin | 2.8773% | 3,736 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.6695% | 4,223 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.7354% | 3,520 |
| Return on assets (ROA) | 0.7403% | 3,449 |
| Pretax return on assets | 1.0414% | 2,939 |
| Return on Equity (ROE) | 10.0700% | 2,783 |
| Retained earnings to average equity (ytd only) | 10.0708% | 1,125 |
| Net charge-offs to loans | -0.0064% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.5314% | 3,403 |
| Assets per employee ($millions) | 15.0360% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,652 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.1700% | 879 |
| Net loans and leases to deposits | 116.7329% | 87 |
| Net loans and leases to core deposits | 141.5415% | 135 |
| Total domestic deposits to total assets | 66.1000% | 4,530 |
| Equity capital to assets | 7.6451% | 3,293 |
| Core capital (leverage) ratio | 9.1337% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2499% | 2,931 |
| Memoranda: | ||
| Average total assets | $1,912,156,400 | 583 |
| Average earning assets | $1,852,808,400 | 542 |
| Average equity | $140,555,000 | 710 |
| Average total loans | $1,415,815,400 | 507 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 2,365 |
| Cost of funding earning assets | 0.6526% | 330 |
| Net interest margin | 2.9415% | 3,380 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.6717% | 4,203 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.7501% | 3,415 |
| Return on assets (ROA) | 0.7567% | 3,345 |
| Pretax return on assets | 1.0541% | 2,863 |
| Return on Equity (ROE) | 10.4100% | 2,606 |
| Retained earnings to average equity (ytd only) | 10.4116% | 1,222 |
| Net charge-offs to loans | -0.0071% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.3431% | 3,592 |
| Assets per employee ($millions) | 14.5327% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,735 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.3300% | 1,069 |
| Net loans and leases to deposits | 102.0780% | 301 |
| Net loans and leases to core deposits | 115.9474% | 331 |
| Total domestic deposits to total assets | 72.8100% | 4,487 |
| Equity capital to assets | 6.3462% | 3,821 |
| Core capital (leverage) ratio | 7.8343% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2206% | 3,108 |
| Memoranda: | ||
| Average total assets | $1,863,935,500 | 593 |
| Average earning assets | $1,810,425,500 | 557 |
| Average equity | $135,460,500 | 734 |
| Average total loans | $1,358,960,500 | 517 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 2,236 |
| Cost of funding earning assets | 0.3891% | 989 |
| Net interest margin | 3.0766% | 2,613 |
| Noninterest income to average assets | 0.1139% | 4,426 |
| Noninterest expense to average assets | 1.6783% | 4,169 |
| Loan and lease loss provision to assets | 0.3597% | 164 |
| Net operating income to assets | 0.7687% | 3,071 |
| Return on assets (ROA) | 0.7789% | 2,996 |
| Pretax return on assets | 1.0851% | 2,458 |
| Return on Equity (ROE) | 10.2316% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.2316% | 961 |
| Net charge-offs to loans | -0.0061% | 3,410 |
| Credit loss provision to net charge-offs | -8,125.0000% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9625% | 3,969 |
| Assets per employee ($millions) | 13.8948% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,777 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.9020% | 740 |
| Net loans and leases to deposits | 104.3705% | 160 |
| Net loans and leases to core deposits | 113.6456% | 285 |
| Total domestic deposits to total assets | 72.7237% | 4,567 |
| Equity capital to assets | 7.0661% | 3,728 |
| Core capital (leverage) ratio | 8.5371% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6146% | 3,056 |
| Memoranda: | ||
| Average total assets | $1,807,054,667 | 600 |
| Average earning assets | $1,759,882,333 | 569 |
| Average equity | $137,574,333 | 734 |
| Average total loans | $1,301,682,667 | 526 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3168% | 2,332 |
| Cost of funding earning assets | 0.3165% | 1,500 |
| Net interest margin | 3.0003% | 2,502 |
| Noninterest income to average assets | 0.0981% | 4,517 |
| Noninterest expense to average assets | 1.6909% | 4,147 |
| Loan and lease loss provision to assets | 0.3851% | 143 |
| Net operating income to assets | 0.6845% | 3,112 |
| Return on assets (ROA) | 0.7054% | 3,030 |
| Pretax return on assets | 0.9818% | 2,494 |
| Return on Equity (ROE) | 8.9228% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.9228% | 1,285 |
| Net charge-offs to loans | -0.0062% | 3,411 |
| Credit loss provision to net charge-offs | -8,947.3684% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7806% | 3,896 |
| Assets per employee ($millions) | 14.5443% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,800 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 74.3701% | 634 |
| Net loans and leases to deposits | 87.5475% | 645 |
| Net loans and leases to core deposits | 101.2960% | 465 |
| Total domestic deposits to total assets | 84.9483% | 3,540 |
| Equity capital to assets | 7.8376% | 3,696 |
| Core capital (leverage) ratio | 8.7717% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9723% | 3,053 |
| Memoranda: | ||
| Average total assets | $1,765,737,500 | 615 |
| Average earning assets | $1,726,255,500 | 581 |
| Average equity | $139,598,000 | 747 |
| Average total loans | $1,226,219,000 | 548 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4837% | 2,706 |
| Cost of funding earning assets | 0.4493% | 1,205 |
| Net interest margin | 3.0344% | 3,093 |
| Noninterest income to average assets | 0.3307% | 3,436 |
| Noninterest expense to average assets | 1.9715% | 3,763 |
| Loan and lease loss provision to assets | 0.0809% | 1,511 |
| Net operating income to assets | 0.8953% | 3,060 |
| Return on assets (ROA) | 0.8953% | 3,117 |
| Pretax return on assets | 1.2445% | 2,537 |
| Return on Equity (ROE) | 11.5334% | 1,971 |
| Retained earnings to average equity (ytd only) | 11.5334% | 611 |
| Net charge-offs to loans | -0.0059% | 3,592 |
| Credit loss provision to net charge-offs | -1,845.4545% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7986% | 3,182 |
| Assets per employee ($millions) | 15.9479% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,274 |
| Loan loss allowance to noncurrent loans | 44,141.1765% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,870 |
| Noncurrent loans to loans | 0.0030% | 4,101 |
| Net loans and leases to total assets | 62.8562% | 1,844 |
| Net loans and leases to deposits | 73.6418% | 1,753 |
| Net loans and leases to core deposits | 80.9054% | 1,525 |
| Total domestic deposits to total assets | 85.3539% | 3,154 |
| Equity capital to assets | 7.9727% | 4,377 |
| Core capital (leverage) ratio | 8.4597% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0387% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,505,817,200 | 685 |
| Average earning assets | $1,471,959,600 | 649 |
| Average equity | $116,895,000 | 890 |
| Average total loans | $1,115,232,200 | 595 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 2,483 |
| Cost of funding earning assets | 0.4768% | 1,174 |
| Net interest margin | 3.1484% | 2,903 |
| Noninterest income to average assets | 0.3352% | 3,427 |
| Noninterest expense to average assets | 1.8756% | 4,001 |
| Loan and lease loss provision to assets | 0.0655% | 1,686 |
| Net operating income to assets | 1.0580% | 2,703 |
| Return on assets (ROA) | 1.0580% | 2,769 |
| Pretax return on assets | 1.4712% | 2,077 |
| Return on Equity (ROE) | 13.7447% | 1,470 |
| Retained earnings to average equity (ytd only) | 13.7447% | 538 |
| Net charge-offs to loans | -0.0058% | 3,478 |
| Credit loss provision to net charge-offs | -1,468.7500% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9668% | 3,661 |
| Assets per employee ($millions) | 14.3036% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,532 |
| Loan loss allowance to noncurrent loans | 14,193.1373% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,926 |
| Noncurrent loans to loans | 0.0091% | 4,141 |
| Net loans and leases to total assets | 72.2840% | 846 |
| Net loans and leases to deposits | 85.4969% | 861 |
| Net loans and leases to core deposits | 96.9966% | 701 |
| Total domestic deposits to total assets | 84.5457% | 3,283 |
| Equity capital to assets | 7.8554% | 4,582 |
| Core capital (leverage) ratio | 7.9534% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5985% | 3,109 |
| Memoranda: | ||
| Average total assets | $1,435,730,500 | 715 |
| Average earning assets | $1,403,160,250 | 684 |
| Average equity | $110,517,250 | 951 |
| Average total loans | $1,109,609,750 | 611 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 2,253 |
| Cost of funding earning assets | 0.5028% | 1,185 |
| Net interest margin | 3.2283% | 2,670 |
| Noninterest income to average assets | 0.2411% | 3,959 |
| Noninterest expense to average assets | 1.8467% | 4,080 |
| Loan and lease loss provision to assets | 0.0335% | 2,313 |
| Net operating income to assets | 1.0881% | 2,584 |
| Return on assets (ROA) | 1.0881% | 2,654 |
| Pretax return on assets | 1.5137% | 1,974 |
| Return on Equity (ROE) | 14.2411% | 1,341 |
| Retained earnings to average equity (ytd only) | 14.2411% | 513 |
| Net charge-offs to loans | -0.0056% | 3,470 |
| Credit loss provision to net charge-offs | -758.0645% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4131% | 3,750 |
| Assets per employee ($millions) | 13.3620% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,481 |
| Loan loss allowance to noncurrent loans | 12,271.9298% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,005 |
| Noncurrent loans to loans | 0.0105% | 4,191 |
| Net loans and leases to total assets | 74.8006% | 692 |
| Net loans and leases to deposits | 89.3211% | 693 |
| Net loans and leases to core deposits | 102.2820% | 587 |
| Total domestic deposits to total assets | 83.7435% | 3,515 |
| Equity capital to assets | 8.2018% | 4,431 |
| Core capital (leverage) ratio | 8.1269% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2569% | 3,063 |
| Memoranda: | ||
| Average total assets | $1,404,146,000 | 727 |
| Average earning assets | $1,371,255,667 | 692 |
| Average equity | $107,281,333 | 962 |
| Average total loans | $1,105,889,000 | 611 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 3,043 |
| Cost of funding earning assets | 0.5172% | 1,287 |
| Net interest margin | 2.9431% | 3,399 |
| Noninterest income to average assets | 0.1529% | 4,437 |
| Noninterest expense to average assets | 1.8313% | 4,148 |
| Loan and lease loss provision to assets | 0.0676% | 1,803 |
| Net operating income to assets | 0.8173% | 3,366 |
| Return on assets (ROA) | 0.8173% | 3,436 |
| Pretax return on assets | 1.1319% | 3,035 |
| Return on Equity (ROE) | 11.1175% | 2,328 |
| Retained earnings to average equity (ytd only) | 11.1175% | 1,373 |
| Net charge-offs to loans | -0.0054% | 3,420 |
| Credit loss provision to net charge-offs | -1,566.6667% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4250% | 2,981 |
| Assets per employee ($millions) | 14.1420% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,883 |
| Loan loss allowance to noncurrent loans | 11,742.8571% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,098 |
| Noncurrent loans to loans | 0.0103% | 4,261 |
| Net loans and leases to total assets | 80.7450% | 297 |
| Net loans and leases to deposits | 95.4977% | 424 |
| Net loans and leases to core deposits | 107.6519% | 466 |
| Total domestic deposits to total assets | 84.5517% | 3,263 |
| Equity capital to assets | 7.3477% | 4,760 |
| Core capital (leverage) ratio | 7.5356% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3758% | 3,071 |
| Memoranda: | ||
| Average total assets | $1,391,349,500 | 729 |
| Average earning assets | $1,360,484,000 | 693 |
| Average equity | $102,289,500 | 994 |
| Average total loans | $1,117,112,000 | 609 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,276 |
| Cost of funding earning assets | 0.8788% | 915 |
| Net interest margin | 3.6350% | 2,026 |
| Noninterest income to average assets | 0.1566% | 4,509 |
| Noninterest expense to average assets | 2.2316% | 3,588 |
| Loan and lease loss provision to assets | 0.3246% | 1,124 |
| Net operating income to assets | 0.8155% | 3,027 |
| Return on assets (ROA) | 0.8486% | 3,042 |
| Pretax return on assets | 1.1882% | 2,372 |
| Return on Equity (ROE) | 10.3077% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.3077% | 533 |
| Net charge-offs to loans | 0.0216% | 2,627 |
| Credit loss provision to net charge-offs | 1,783.2512% | 482 |
| Earnings coverage of net charge-offs (x) | 80.8079% | 889 |
| Efficiency ratio | 60.2732% | 3,417 |
| Assets per employee ($millions) | 13.9642% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,556 |
| Loan loss allowance to noncurrent loans | 10,241.7910% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,144 |
| Noncurrent loans to loans | 0.0124% | 4,324 |
| Net loans and leases to total assets | 77.7955% | 618 |
| Net loans and leases to deposits | 93.4010% | 695 |
| Net loans and leases to core deposits | 105.8010% | 648 |
| Total domestic deposits to total assets | 83.2919% | 3,333 |
| Equity capital to assets | 7.3484% | 4,867 |
| Core capital (leverage) ratio | 8.1603% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6223% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,115,248,200 | 800 |
| Average earning assets | $1,087,893,800 | 756 |
| Average equity | $91,814,600 | 1,040 |
| Average total loans | $940,795,800 | 687 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 878 |
| Cost of funding earning assets | 0.9421% | 924 |
| Net interest margin | 3.8594% | 1,449 |
| Noninterest income to average assets | 0.1710% | 4,444 |
| Noninterest expense to average assets | 2.0759% | 3,993 |
| Loan and lease loss provision to assets | 0.3955% | 901 |
| Net operating income to assets | 1.0420% | 2,183 |
| Return on assets (ROA) | 1.0888% | 2,151 |
| Pretax return on assets | 1.5229% | 1,398 |
| Return on Equity (ROE) | 12.7785% | 1,176 |
| Retained earnings to average equity (ytd only) | 12.7785% | 351 |
| Net charge-offs to loans | 0.0309% | 2,214 |
| Credit loss provision to net charge-offs | 1,485.7143% | 622 |
| Earnings coverage of net charge-offs (x) | 69.8476% | 999 |
| Efficiency ratio | 52.7540% | 4,277 |
| Assets per employee ($millions) | 12.8421% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,418 |
| Loan loss allowance to noncurrent loans | 9,307.7465% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,210 |
| Noncurrent loans to loans | 0.0134% | 4,392 |
| Net loans and leases to total assets | 85.0458% | 206 |
| Net loans and leases to deposits | 111.1958% | 207 |
| Net loans and leases to core deposits | 130.4591% | 244 |
| Total domestic deposits to total assets | 76.4830% | 4,387 |
| Equity capital to assets | 7.6353% | 4,825 |
| Core capital (leverage) ratio | 8.6009% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7357% | 3,106 |
| Memoranda: | ||
| Average total assets | $1,051,936,250 | 824 |
| Average earning assets | $1,025,931,750 | 790 |
| Average equity | $89,627,500 | 1,051 |
| Average total loans | $906,406,750 | 703 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 584 |
| Cost of funding earning assets | 1.0265% | 907 |
| Net interest margin | 4.1645% | 991 |
| Noninterest income to average assets | 0.1622% | 4,480 |
| Noninterest expense to average assets | 2.1583% | 3,904 |
| Loan and lease loss provision to assets | 0.5536% | 602 |
| Net operating income to assets | 1.0689% | 2,077 |
| Return on assets (ROA) | 1.1121% | 2,046 |
| Pretax return on assets | 1.5586% | 1,323 |
| Return on Equity (ROE) | 12.5139% | 1,214 |
| Retained earnings to average equity (ytd only) | 12.5139% | 398 |
| Net charge-offs to loans | 0.0447% | 1,856 |
| Credit loss provision to net charge-offs | 1,437.1728% | 618 |
| Earnings coverage of net charge-offs (x) | 53.4136% | 1,057 |
| Efficiency ratio | 51.1936% | 4,416 |
| Assets per employee ($millions) | 11.5513% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,994 |
| Loan loss allowance to noncurrent loans | 8,191.7197% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,275 |
| Noncurrent loans to loans | 0.0159% | 4,442 |
| Net loans and leases to total assets | 87.0351% | 94 |
| Net loans and leases to deposits | 110.2843% | 226 |
| Net loans and leases to core deposits | 130.6543% | 249 |
| Total domestic deposits to total assets | 78.9188% | 4,050 |
| Equity capital to assets | 8.1350% | 4,660 |
| Core capital (leverage) ratio | 8.4230% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8023% | 3,014 |
| Memoranda: | ||
| Average total assets | $991,633,000 | 860 |
| Average earning assets | $965,264,000 | 816 |
| Average equity | $88,126,000 | 1,054 |
| Average total loans | $854,642,000 | 730 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,403 |
| Cost of funding earning assets | 1.1377% | 941 |
| Net interest margin | 3.3290% | 3,519 |
| Noninterest income to average assets | 0.1579% | 4,585 |
| Noninterest expense to average assets | 2.2273% | 3,936 |
| Loan and lease loss provision to assets | 0.1743% | 1,693 |
| Net operating income to assets | 0.7031% | 3,262 |
| Return on assets (ROA) | 0.7304% | 3,251 |
| Pretax return on assets | 1.0298% | 2,740 |
| Return on Equity (ROE) | 7.8186% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.8186% | 1,288 |
| Net charge-offs to loans | -0.0015% | 3,629 |
| Credit loss provision to net charge-offs | -13,466.6667% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5702% | 3,018 |
| Assets per employee ($millions) | 9.8199% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,111 |
| Loan loss allowance to noncurrent loans | 6,415.5689% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,223 |
| Noncurrent loans to loans | 0.0204% | 4,492 |
| Net loans and leases to total assets | 85.8300% | 151 |
| Net loans and leases to deposits | 112.0646% | 161 |
| Net loans and leases to core deposits | 138.0896% | 185 |
| Total domestic deposits to total assets | 76.5897% | 4,410 |
| Equity capital to assets | 9.2988% | 4,396 |
| Core capital (leverage) ratio | 9.6619% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1150% | 3,312 |
| Memoranda: | ||
| Average total assets | $927,210,000 | 884 |
| Average earning assets | $902,137,000 | 842 |
| Average equity | $86,613,500 | 1,063 |
| Average total loans | $787,927,500 | 760 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 2,111 |
| Cost of funding earning assets | 1.3423% | 674 |
| Net interest margin | 3.4356% | 3,634 |
| Noninterest income to average assets | 0.1480% | 4,749 |
| Noninterest expense to average assets | 2.3062% | 3,932 |
| Loan and lease loss provision to assets | 0.4465% | 307 |
| Net operating income to assets | 0.8382% | 3,424 |
| Return on assets (ROA) | 0.8329% | 3,533 |
| Pretax return on assets | 0.7276% | 4,145 |
| Return on Equity (ROE) | 9.3183% | 2,599 |
| Retained earnings to average equity (ytd only) | 9.3183% | 632 |
| Net charge-offs to loans | 0.0382% | 2,623 |
| Credit loss provision to net charge-offs | 1,403.7736% | 253 |
| Earnings coverage of net charge-offs (x) | 37.0792% | 1,384 |
| Efficiency ratio | 66.1651% | 2,746 |
| Assets per employee ($millions) | 10.1301% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,653 |
| Loan loss allowance to noncurrent loans | 5,957.8035% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,237 |
| Noncurrent loans to loans | 0.0229% | 4,476 |
| Net loans and leases to total assets | 81.7920% | 576 |
| Net loans and leases to deposits | 99.0881% | 660 |
| Net loans and leases to core deposits | 126.8771% | 326 |
| Total domestic deposits to total assets | 82.5448% | 3,348 |
| Equity capital to assets | 9.3852% | 4,439 |
| Core capital (leverage) ratio | 9.7732% | 3,758 |
| Tier 1 risk-based capital ratio | 10.3728% | 5,058 |
| Total risk-based capital ratio | 11.6227% | 4,993 |
| Memoranda: | ||
| Average total assets | $833,196,000 | 940 |
| Average earning assets | $809,413,200 | 896 |
| Average equity | $74,477,000 | 1,159 |
| Average total loans | $694,565,200 | 815 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 2,229 |
| Cost of funding earning assets | 1.3771% | 618 |
| Net interest margin | 3.3900% | 3,886 |
| Noninterest income to average assets | 0.1524% | 4,787 |
| Noninterest expense to average assets | 2.2619% | 4,047 |
| Loan and lease loss provision to assets | 0.5697% | 206 |
| Net operating income to assets | 0.9402% | 3,205 |
| Return on assets (ROA) | 0.9330% | 3,296 |
| Pretax return on assets | 0.6069% | 4,528 |
| Return on Equity (ROE) | 10.5857% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.5857% | 607 |
| Net charge-offs to loans | 0.0063% | 3,160 |
| Credit loss provision to net charge-offs | 10,862.5000% | 29 |
| Earnings coverage of net charge-offs (x) | 225.6956% | 408 |
| Efficiency ratio | 65.6457% | 2,779 |
| Assets per employee ($millions) | 9.7726% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,475 |
| Loan loss allowance to noncurrent loans | 828.3186% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 3,727 |
| Noncurrent loans to loans | 0.1724% | 3,921 |
| Net loans and leases to total assets | 83.6022% | 393 |
| Net loans and leases to deposits | 99.4621% | 683 |
| Net loans and leases to core deposits | 125.7548% | 373 |
| Total domestic deposits to total assets | 84.0543% | 2,801 |
| Equity capital to assets | 9.9564% | 4,061 |
| Core capital (leverage) ratio | 10.0390% | 3,604 |
| Tier 1 risk-based capital ratio | 10.7186% | 5,011 |
| Total risk-based capital ratio | 11.9693% | 4,927 |
| Memoranda: | ||
| Average total assets | $813,567,500 | 962 |
| Average earning assets | $790,346,750 | 915 |
| Average equity | $71,704,750 | 1,196 |
| Average total loans | $679,203,250 | 831 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,279 |
| Cost of funding earning assets | 1.3819% | 574 |
| Net interest margin | 3.3458% | 4,038 |
| Noninterest income to average assets | 0.1395% | 4,872 |
| Noninterest expense to average assets | 2.2936% | 4,019 |
| Loan and lease loss provision to assets | 0.2775% | 530 |
| Net operating income to assets | 0.8206% | 3,586 |
| Return on assets (ROA) | 0.8111% | 3,673 |
| Pretax return on assets | 0.8111% | 4,060 |
| Return on Equity (ROE) | 9.6454% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.6454% | 865 |
| Net charge-offs to loans | 0.0105% | 2,757 |
| Credit loss provision to net charge-offs | 3,177.1429% | 114 |
| Earnings coverage of net charge-offs (x) | 125.7143% | 581 |
| Efficiency ratio | 67.6233% | 2,597 |
| Assets per employee ($millions) | 9.4681% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 2,823 |
| Loan loss allowance to noncurrent loans | 956.4536% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,931 |
| Noncurrent loans to loans | 0.1196% | 4,145 |
| Net loans and leases to total assets | 83.1819% | 449 |
| Net loans and leases to deposits | 97.8728% | 856 |
| Net loans and leases to core deposits | 124.4190% | 420 |
| Total domestic deposits to total assets | 84.9898% | 2,485 |
| Equity capital to assets | 8.7430% | 4,927 |
| Core capital (leverage) ratio | 8.9508% | 4,669 |
| Tier 1 risk-based capital ratio | 9.5285% | 5,272 |
| Total risk-based capital ratio | 10.5800% | 5,276 |
| Memoranda: | ||
| Average total assets | $801,351,000 | 976 |
| Average earning assets | $778,944,330 | 923 |
| Average equity | $67,389,330 | 1,246 |
| Average total loans | $665,239,000 | 845 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 2,307 |
| Cost of funding earning assets | 1.3387% | 579 |
| Net interest margin | 3.3359% | 4,074 |
| Noninterest income to average assets | 0.1250% | 4,980 |
| Noninterest expense to average assets | 2.2922% | 4,042 |
| Loan and lease loss provision to assets | 0.4799% | 224 |
| Net operating income to assets | 0.5897% | 4,276 |
| Return on assets (ROA) | 0.5827% | 4,328 |
| Pretax return on assets | 0.5827% | 4,546 |
| Return on Equity (ROE) | 7.0749% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.0749% | 2,005 |
| Net charge-offs to loans | 0.0227% | 1,990 |
| Credit loss provision to net charge-offs | 2,562.1622% | 170 |
| Earnings coverage of net charge-offs (x) | 57.1081% | 941 |
| Efficiency ratio | 68.1825% | 2,617 |
| Assets per employee ($millions) | 9.5277% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,780 |
| Loan loss allowance to noncurrent loans | 930.8153% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,956 |
| Noncurrent loans to loans | 0.1249% | 4,176 |
| Net loans and leases to total assets | 82.4413% | 535 |
| Net loans and leases to deposits | 100.9412% | 559 |
| Net loans and leases to core deposits | 129.2678% | 316 |
| Total domestic deposits to total assets | 81.6726% | 3,805 |
| Equity capital to assets | 8.2804% | 5,093 |
| Core capital (leverage) ratio | 8.5785% | 4,957 |
| Tier 1 risk-based capital ratio | 9.3070% | 5,337 |
| Total risk-based capital ratio | 10.3814% | 5,335 |
| Memoranda: | ||
| Average total assets | $790,165,500 | 984 |
| Average earning assets | $766,688,500 | 938 |
| Average equity | $65,075,000 | 1,280 |
| Average total loans | $651,300,000 | 856 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,945 |
| Cost of funding earning assets | 1.1120% | 472 |
| Net interest margin | 3.2328% | 4,422 |
| Noninterest income to average assets | 0.1816% | 4,820 |
| Noninterest expense to average assets | 2.1835% | 4,375 |
| Loan and lease loss provision to assets | 0.1343% | 1,614 |
| Net operating income to assets | 1.0171% | 2,940 |
| Return on assets (ROA) | 1.0171% | 2,923 |
| Pretax return on assets | 1.0171% | 3,549 |
| Return on Equity (ROE) | 11.9457% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.4659% | 744 |
| Net charge-offs to loans | -0.0021% | 4,238 |
| Credit loss provision to net charge-offs | -7,950.0000% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4750% | 2,956 |
| Assets per employee ($millions) | 9.3976% | 408 |
| Cash dividends to net income (ytd only)* | 20.7584% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,224 |
| Loan loss allowance to noncurrent loans | 898.0341% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 3,980 |
| Noncurrent loans to loans | 0.1202% | 4,188 |
| Net loans and leases to total assets | 80.5361% | 860 |
| Net loans and leases to deposits | 100.6089% | 697 |
| Net loans and leases to core deposits | 124.2799% | 434 |
| Total domestic deposits to total assets | 80.0487% | 4,098 |
| Equity capital to assets | 8.1897% | 5,090 |
| Core capital (leverage) ratio | 8.9237% | 4,724 |
| Tier 1 risk-based capital ratio | 9.6138% | 5,363 |
| Total risk-based capital ratio | 10.6104% | 5,361 |
| Memoranda: | ||
| Average total assets | $710,452,800 | 1,049 |
| Average earning assets | $693,000,200 | 997 |
| Average equity | $60,490,600 | 1,309 |
| Average total loans | $569,547,000 | 938 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,239 |
| Cost of funding earning assets | 1.0591% | 467 |
| Net interest margin | 3.1629% | 4,590 |
| Noninterest income to average assets | 0.1951% | 4,805 |
| Noninterest expense to average assets | 2.1281% | 4,492 |
| Loan and lease loss provision to assets | 0.1412% | 1,416 |
| Net operating income to assets | 1.0196% | 3,007 |
| Return on assets (ROA) | 1.0196% | 3,021 |
| Pretax return on assets | 1.0196% | 3,663 |
| Return on Equity (ROE) | 11.8479% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.4947% | 1,420 |
| Net charge-offs to loans | -0.0022% | 4,098 |
| Credit loss provision to net charge-offs | -8,155.5556% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7052% | 3,070 |
| Assets per employee ($millions) | 9.1919% | 418 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,119 |
| Loan loss allowance to noncurrent loans | 3,703.3520% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 4,471 |
| Noncurrent loans to loans | 0.0301% | 4,756 |
| Net loans and leases to total assets | 81.0996% | 859 |
| Net loans and leases to deposits | 95.5387% | 1,204 |
| Net loans and leases to core deposits | 121.9840% | 514 |
| Total domestic deposits to total assets | 84.8866% | 2,645 |
| Equity capital to assets | 8.3117% | 5,031 |
| Core capital (leverage) ratio | 9.0427% | 4,666 |
| Tier 1 risk-based capital ratio | 9.9758% | 5,384 |
| Total risk-based capital ratio | 11.0063% | 5,386 |
| Memoranda: | ||
| Average total assets | $693,065,250 | 1,070 |
| Average earning assets | $677,935,250 | 1,020 |
| Average equity | $59,643,250 | 1,330 |
| Average total loans | $553,174,750 | 955 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 3,232 |
| Cost of funding earning assets | 0.9814% | 512 |
| Net interest margin | 3.1808% | 4,550 |
| Noninterest income to average assets | 0.2044% | 4,793 |
| Noninterest expense to average assets | 2.0841% | 4,642 |
| Loan and lease loss provision to assets | 0.1519% | 1,249 |
| Net operating income to assets | 1.0821% | 2,657 |
| Return on assets (ROA) | 1.0821% | 2,665 |
| Pretax return on assets | 1.0821% | 3,382 |
| Return on Equity (ROE) | 12.4231% | 1,568 |
| Retained earnings to average equity (ytd only) | 12.4231% | 458 |
| Net charge-offs to loans | -0.0026% | 3,986 |
| Credit loss provision to net charge-offs | -7,400.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8104% | 3,515 |
| Assets per employee ($millions) | 9.7499% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,066 |
| Loan loss allowance to noncurrent loans | 3,561.6667% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,475 |
| Noncurrent loans to loans | 0.0319% | 4,776 |
| Net loans and leases to total assets | 79.5317% | 1,092 |
| Net loans and leases to deposits | 100.4236% | 777 |
| Net loans and leases to core deposits | 135.9877% | 238 |
| Total domestic deposits to total assets | 79.1962% | 4,396 |
| Equity capital to assets | 8.6541% | 4,839 |
| Core capital (leverage) ratio | 9.3344% | 4,322 |
| Tier 1 risk-based capital ratio | 10.6398% | 5,214 |
| Total risk-based capital ratio | 11.7045% | 5,189 |
| Memoranda: | ||
| Average total assets | $682,034,000 | 1,079 |
| Average earning assets | $667,631,000 | 1,039 |
| Average equity | $59,405,670 | 1,336 |
| Average total loans | $539,052,670 | 973 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,760 |
| Cost of funding earning assets | 0.8772% | 670 |
| Net interest margin | 3.0824% | 4,739 |
| Noninterest income to average assets | 0.1833% | 4,928 |
| Noninterest expense to average assets | 2.0480% | 4,759 |
| Loan and lease loss provision to assets | 0.1357% | 1,391 |
| Net operating income to assets | 1.0237% | 2,760 |
| Return on assets (ROA) | 1.0237% | 2,778 |
| Pretax return on assets | 1.0237% | 3,452 |
| Return on Equity (ROE) | 11.7140% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.7140% | 736 |
| Net charge-offs to loans | -0.0038% | 3,923 |
| Credit loss provision to net charge-offs | -4,560.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8523% | 3,501 |
| Assets per employee ($millions) | 9.8806% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,160 |
| Loan loss allowance to noncurrent loans | 3,380.6630% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,478 |
| Noncurrent loans to loans | 0.0337% | 4,820 |
| Net loans and leases to total assets | 77.9397% | 1,251 |
| Net loans and leases to deposits | 96.1609% | 1,022 |
| Net loans and leases to core deposits | 134.1795% | 283 |
| Total domestic deposits to total assets | 81.0513% | 4,188 |
| Equity capital to assets | 8.6296% | 4,877 |
| Core capital (leverage) ratio | 9.4545% | 4,118 |
| Tier 1 risk-based capital ratio | 10.7579% | 5,263 |
| Total risk-based capital ratio | 11.8181% | 5,239 |
| Memoranda: | ||
| Average total assets | $672,054,500 | 1,105 |
| Average earning assets | $659,346,000 | 1,055 |
| Average equity | $58,733,000 | 1,357 |
| Average total loans | $526,220,000 | 999 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,277 |
| Cost of funding earning assets | 0.7182% | 932 |
| Net interest margin | 3.3218% | 4,090 |
| Noninterest income to average assets | 0.1815% | 5,046 |
| Noninterest expense to average assets | 1.9723% | 5,008 |
| Loan and lease loss provision to assets | 0.0994% | 2,235 |
| Net operating income to assets | 1.3552% | 1,107 |
| Return on assets (ROA) | 1.3561% | 1,126 |
| Pretax return on assets | 1.3561% | 2,145 |
| Return on Equity (ROE) | 14.8739% | 627 |
| Retained earnings to average equity (ytd only) | 14.8739% | 84 |
| Net charge-offs to loans | -0.0017% | 4,525 |
| Credit loss provision to net charge-offs | -7,525.0000% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5525% | 4,582 |
| Assets per employee ($millions) | 10.1900% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,104 |
| Loan loss allowance to noncurrent loans | 256.3589% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 3,089 |
| Noncurrent loans to loans | 0.4459% | 3,181 |
| Net loans and leases to total assets | 76.8588% | 1,451 |
| Net loans and leases to deposits | 93.2440% | 1,361 |
| Net loans and leases to core deposits | 123.4877% | 486 |
| Total domestic deposits to total assets | 82.4276% | 3,750 |
| Equity capital to assets | 8.8523% | 4,856 |
| Core capital (leverage) ratio | 9.5307% | 4,005 |
| Tier 1 risk-based capital ratio | 10.5514% | 5,351 |
| Total risk-based capital ratio | 11.5801% | 5,356 |
| Memoranda: | ||
| Average total assets | $605,434,200 | 1,185 |
| Average earning assets | $591,512,400 | 1,130 |
| Average equity | $55,197,200 | 1,403 |
| Average total loans | $470,232,000 | 1,089 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,127 |
| Cost of funding earning assets | 0.6936% | 993 |
| Net interest margin | 3.3684% | 3,956 |
| Noninterest income to average assets | 0.2021% | 5,002 |
| Noninterest expense to average assets | 1.9772% | 5,003 |
| Loan and lease loss provision to assets | 0.1082% | 1,967 |
| Net operating income to assets | 1.4036% | 1,076 |
| Return on assets (ROA) | 1.4048% | 1,101 |
| Pretax return on assets | 1.4048% | 2,102 |
| Return on Equity (ROE) | 15.2841% | 617 |
| Retained earnings to average equity (ytd only) | 15.2841% | 108 |
| Net charge-offs to loans | -0.0017% | 4,307 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6673% | 4,655 |
| Assets per employee ($millions) | 10.4543% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,999 |
| Loan loss allowance to noncurrent loans | 246.2393% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 3,112 |
| Noncurrent loans to loans | 0.4827% | 3,238 |
| Net loans and leases to total assets | 76.3631% | 1,526 |
| Net loans and leases to deposits | 93.6087% | 1,338 |
| Net loans and leases to core deposits | 123.5997% | 474 |
| Total domestic deposits to total assets | 81.5769% | 3,899 |
| Equity capital to assets | 9.2745% | 4,666 |
| Core capital (leverage) ratio | 9.6031% | 4,030 |
| Tier 1 risk-based capital ratio | 10.6667% | 5,385 |
| Total risk-based capital ratio | 11.7193% | 5,395 |
| Memoranda: | ||
| Average total assets | $591,206,000 | 1,220 |
| Average earning assets | $576,916,750 | 1,161 |
| Average equity | $54,338,250 | 1,431 |
| Average total loans | $459,050,500 | 1,111 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,269 |
| Cost of funding earning assets | 0.6623% | 1,077 |
| Net interest margin | 3.3202% | 4,048 |
| Noninterest income to average assets | 0.2082% | 5,003 |
| Noninterest expense to average assets | 2.0159% | 4,945 |
| Loan and lease loss provision to assets | 0.0345% | 3,302 |
| Net operating income to assets | 1.4016% | 1,066 |
| Return on assets (ROA) | 1.4033% | 1,086 |
| Pretax return on assets | 1.4033% | 2,009 |
| Return on Equity (ROE) | 15.3187% | 619 |
| Retained earnings to average equity (ytd only) | 15.3187% | 127 |
| Net charge-offs to loans | -0.0018% | 4,173 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3975% | 4,546 |
| Assets per employee ($millions) | 10.2110% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,217 |
| Loan loss allowance to noncurrent loans | 226.3357% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 3,057 |
| Noncurrent loans to loans | 0.5146% | 3,212 |
| Net loans and leases to total assets | 75.7850% | 1,573 |
| Net loans and leases to deposits | 89.1031% | 1,851 |
| Net loans and leases to core deposits | 113.4743% | 821 |
| Total domestic deposits to total assets | 85.0532% | 2,785 |
| Equity capital to assets | 9.3293% | 4,586 |
| Core capital (leverage) ratio | 9.5846% | 4,036 |
| Tier 1 risk-based capital ratio | 11.2849% | 5,100 |
| Total risk-based capital ratio | 12.3647% | 5,085 |
| Memoranda: | ||
| Average total assets | $579,189,330 | 1,249 |
| Average earning assets | $565,865,330 | 1,180 |
| Average equity | $53,059,330 | 1,459 |
| Average total loans | $450,482,670 | 1,132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,464 |
| Cost of funding earning assets | 0.6094% | 1,307 |
| Net interest margin | 3.2701% | 4,116 |
| Noninterest income to average assets | 0.2072% | 5,032 |
| Noninterest expense to average assets | 2.0981% | 4,852 |
| Loan and lease loss provision to assets | 0.0352% | 3,083 |
| Net operating income to assets | 1.2658% | 1,331 |
| Return on assets (ROA) | 1.2658% | 1,365 |
| Pretax return on assets | 1.2658% | 2,366 |
| Return on Equity (ROE) | 13.9530% | 819 |
| Retained earnings to average equity (ytd only) | 13.9530% | 300 |
| Net charge-offs to loans | -0.0027% | 4,044 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7251% | 4,192 |
| Assets per employee ($millions) | 10.2924% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,045 |
| Loan loss allowance to noncurrent loans | 2,865.0538% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 4,398 |
| Noncurrent loans to loans | 0.0424% | 5,026 |
| Net loans and leases to total assets | 75.1502% | 1,551 |
| Net loans and leases to deposits | 89.6996% | 1,575 |
| Net loans and leases to core deposits | 105.9855% | 1,100 |
| Total domestic deposits to total assets | 83.7798% | 3,557 |
| Equity capital to assets | 9.1645% | 4,653 |
| Core capital (leverage) ratio | 9.7487% | 3,815 |
| Tier 1 risk-based capital ratio | 11.8390% | 4,824 |
| Total risk-based capital ratio | 13.0082% | 4,782 |
| Memoranda: | ||
| Average total assets | $567,559,500 | 1,268 |
| Average earning assets | $553,992,000 | 1,198 |
| Average equity | $51,487,000 | 1,500 |
| Average total loans | $444,751,000 | 1,145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 2,758 |
| Cost of funding earning assets | 0.6006% | 1,327 |
| Net interest margin | 3.5229% | 3,343 |
| Noninterest income to average assets | 0.1941% | 5,245 |
| Noninterest expense to average assets | 1.9794% | 5,227 |
| Loan and lease loss provision to assets | 0.2362% | 912 |
| Net operating income to assets | 1.4119% | 990 |
| Return on assets (ROA) | 1.4327% | 976 |
| Pretax return on assets | 1.4327% | 1,810 |
| Return on Equity (ROE) | 16.6021% | 447 |
| Retained earnings to average equity (ytd only) | 13.1201% | 160 |
| Net charge-offs to loans | -0.0255% | 5,190 |
| Credit loss provision to net charge-offs | -1,144.6602% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5670% | 5,193 |
| Assets per employee ($millions) | 10.5423% | 258 |
| Cash dividends to net income (ytd only)* | 20.9732% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 3,309 |
| Loan loss allowance to noncurrent loans | 2,821.3904% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,834 |
| Noncurrent loans to loans | 0.0415% | 5,086 |
| Net loans and leases to total assets | 79.7771% | 925 |
| Net loans and leases to deposits | 99.1796% | 732 |
| Net loans and leases to core deposits | 115.5859% | 635 |
| Total domestic deposits to total assets | 80.4370% | 4,465 |
| Equity capital to assets | 8.9758% | 4,844 |
| Core capital (leverage) ratio | 9.6573% | 3,904 |
| Tier 1 risk-based capital ratio | 11.1273% | 5,270 |
| Total risk-based capital ratio | 12.2527% | 5,237 |
| Memoranda: | ||
| Average total assets | $499,180,200 | 1,379 |
| Average earning assets | $486,509,000 | 1,301 |
| Average equity | $43,079,000 | 1,723 |
| Average total loans | $403,988,400 | 1,192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,785 |
| Cost of funding earning assets | 0.6016% | 1,313 |
| Net interest margin | 3.5228% | 3,381 |
| Noninterest income to average assets | 0.2054% | 5,239 |
| Noninterest expense to average assets | 1.9104% | 5,358 |
| Loan and lease loss provision to assets | 0.2742% | 641 |
| Net operating income to assets | 1.4528% | 971 |
| Return on assets (ROA) | 1.4814% | 955 |
| Pretax return on assets | 1.4814% | 1,770 |
| Return on Equity (ROE) | 17.3671% | 406 |
| Retained earnings to average equity (ytd only) | 12.5259% | 247 |
| Net charge-offs to loans | -0.0224% | 5,047 |
| Credit loss provision to net charge-offs | -1,509.0909% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5204% | 5,347 |
| Assets per employee ($millions) | 10.5037% | 255 |
| Cash dividends to net income (ytd only)* | 27.8758% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,547 |
| Loan loss allowance to noncurrent loans | 2,661.0526% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,047 |
| Noncurrent loans to loans | 0.0432% | 5,186 |
| Net loans and leases to total assets | 82.8584% | 525 |
| Net loans and leases to deposits | 100.0529% | 707 |
| Net loans and leases to core deposits | 119.4406% | 523 |
| Total domestic deposits to total assets | 82.8146% | 3,662 |
| Equity capital to assets | 8.5490% | 5,504 |
| Core capital (leverage) ratio | 8.4827% | 5,372 |
| Tier 1 risk-based capital ratio | 9.7764% | 5,839 |
| Total risk-based capital ratio | 10.8899% | 5,845 |
| Memoranda: | ||
| Average total assets | $484,289,250 | 1,424 |
| Average earning assets | $471,804,500 | 1,342 |
| Average equity | $41,310,750 | 1,805 |
| Average total loans | $392,229,000 | 1,218 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,074 |
| Cost of funding earning assets | 0.5903% | 1,393 |
| Net interest margin | 3.4568% | 3,654 |
| Noninterest income to average assets | 0.1908% | 5,357 |
| Noninterest expense to average assets | 1.9360% | 5,394 |
| Loan and lease loss provision to assets | 0.2800% | 657 |
| Net operating income to assets | 1.3415% | 1,188 |
| Return on assets (ROA) | 1.3751% | 1,177 |
| Pretax return on assets | 1.3751% | 2,116 |
| Return on Equity (ROE) | 16.1336% | 521 |
| Retained earnings to average equity (ytd only) | 8.6551% | 948 |
| Net charge-offs to loans | -0.0053% | 4,542 |
| Credit loss provision to net charge-offs | -6,590.0000% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4195% | 5,274 |
| Assets per employee ($millions) | 11.3394% | 186 |
| Cash dividends to net income (ytd only)* | 46.3535% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,946 |
| Loan loss allowance to noncurrent loans | 2,308.4158% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 4,082 |
| Noncurrent loans to loans | 0.0477% | 5,272 |
| Net loans and leases to total assets | 82.1436% | 610 |
| Net loans and leases to deposits | 105.0053% | 406 |
| Net loans and leases to core deposits | 124.8410% | 395 |
| Total domestic deposits to total assets | 78.2281% | 4,952 |
| Equity capital to assets | 8.4151% | 5,646 |
| Core capital (leverage) ratio | 8.6271% | 5,237 |
| Tier 1 risk-based capital ratio | 9.5110% | 5,947 |
| Total risk-based capital ratio | 10.5607% | 5,964 |
| Memoranda: | ||
| Average total assets | $470,658,000 | 1,458 |
| Average earning assets | $458,396,000 | 1,393 |
| Average equity | $40,115,000 | 1,851 |
| Average total loans | $376,234,000 | 1,258 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 3,595 |
| Cost of funding earning assets | 0.5798% | 1,478 |
| Net interest margin | 3.3183% | 4,150 |
| Noninterest income to average assets | 0.1757% | 5,443 |
| Noninterest expense to average assets | 2.0628% | 5,196 |
| Loan and lease loss provision to assets | 0.1544% | 1,364 |
| Net operating income to assets | 1.1880% | 1,594 |
| Return on assets (ROA) | 1.2279% | 1,573 |
| Pretax return on assets | 1.2279% | 2,591 |
| Return on Equity (ROE) | 14.3040% | 780 |
| Retained earnings to average equity (ytd only) | 14.3040% | 299 |
| Net charge-offs to loans | -0.0057% | 4,328 |
| Credit loss provision to net charge-offs | -3,480.0000% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5784% | 4,669 |
| Assets per employee ($millions) | 10.9404% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,711 |
| Loan loss allowance to noncurrent loans | 2,025.7282% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 4,057 |
| Noncurrent loans to loans | 0.0573% | 5,251 |
| Net loans and leases to total assets | 75.5023% | 1,469 |
| Net loans and leases to deposits | 89.6155% | 1,619 |
| Net loans and leases to core deposits | 107.6229% | 984 |
| Total domestic deposits to total assets | 84.2514% | 3,426 |
| Equity capital to assets | 8.4143% | 5,624 |
| Core capital (leverage) ratio | 8.9454% | 4,921 |
| Tier 1 risk-based capital ratio | 10.1558% | 5,875 |
| Total risk-based capital ratio | 11.2315% | 5,873 |
| Memoranda: | ||
| Average total assets | $450,851,000 | 1,523 |
| Average earning assets | $438,780,000 | 1,454 |
| Average equity | $38,702,500 | 1,902 |
| Average total loans | $352,441,500 | 1,320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,703 |
| Cost of funding earning assets | 0.5513% | 1,745 |
| Net interest margin | 3.9132% | 1,984 |
| Noninterest income to average assets | 0.2091% | 5,345 |
| Noninterest expense to average assets | 2.3934% | 4,527 |
| Loan and lease loss provision to assets | 0.1363% | 1,741 |
| Net operating income to assets | 1.4893% | 884 |
| Return on assets (ROA) | 1.4898% | 913 |
| Pretax return on assets | 1.4898% | 1,588 |
| Return on Equity (ROE) | 16.8703% | 469 |
| Retained earnings to average equity (ytd only) | 13.9692% | 163 |
| Net charge-offs to loans | -0.0243% | 5,330 |
| Credit loss provision to net charge-offs | -654.5455% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5517% | 4,968 |
| Assets per employee ($millions) | 9.3753% | 336 |
| Cash dividends to net income (ytd only)* | 17.1963% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,721 |
| Loan loss allowance to noncurrent loans | 1,892.8910% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 3,911 |
| Noncurrent loans to loans | 0.0611% | 5,275 |
| Net loans and leases to total assets | 79.1915% | 963 |
| Net loans and leases to deposits | 92.9310% | 1,312 |
| Net loans and leases to core deposits | 118.9683% | 505 |
| Total domestic deposits to total assets | 85.2154% | 2,996 |
| Equity capital to assets | 8.7698% | 5,337 |
| Core capital (leverage) ratio | 9.1761% | 4,650 |
| Tier 1 risk-based capital ratio | 10.1127% | 5,923 |
| Total risk-based capital ratio | 11.1752% | 5,923 |
| Memoranda: | ||
| Average total assets | $369,638,000 | 1,776 |
| Average earning assets | $359,884,400 | 1,677 |
| Average equity | $32,643,200 | 2,163 |
| Average total loans | $317,404,600 | 1,396 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,265 |
| Cost of funding earning assets | 0.5435% | 1,857 |
| Net interest margin | 4.0852% | 1,444 |
| Noninterest income to average assets | 0.2153% | 5,368 |
| Noninterest expense to average assets | 2.5117% | 4,160 |
| Loan and lease loss provision to assets | 0.1284% | 1,763 |
| Net operating income to assets | 1.5500% | 851 |
| Return on assets (ROA) | 1.5511% | 887 |
| Pretax return on assets | 1.5511% | 1,528 |
| Return on Equity (ROE) | 17.5271% | 436 |
| Retained earnings to average equity (ytd only) | 13.4994% | 240 |
| Net charge-offs to loans | -0.0326% | 5,392 |
| Credit loss provision to net charge-offs | -448.6842% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9443% | 4,897 |
| Assets per employee ($millions) | 8.0988% | 517 |
| Cash dividends to net income (ytd only)* | 22.9799% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,790 |
| Loan loss allowance to noncurrent loans | 1,781.3953% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 3,885 |
| Noncurrent loans to loans | 0.0660% | 5,350 |
| Net loans and leases to total assets | 84.6107% | 338 |
| Net loans and leases to deposits | 97.6763% | 843 |
| Net loans and leases to core deposits | 127.3700% | 317 |
| Total domestic deposits to total assets | 86.6237% | 2,226 |
| Equity capital to assets | 9.2496% | 5,059 |
| Core capital (leverage) ratio | 9.2806% | 4,609 |
| Tier 1 risk-based capital ratio | 9.6394% | 6,116 |
| Total risk-based capital ratio | 10.6904% | 6,131 |
| Memoranda: | ||
| Average total assets | $354,231,000 | 1,861 |
| Average earning assets | $344,646,750 | 1,770 |
| Average equity | $31,348,750 | 2,250 |
| Average total loans | $310,375,750 | 1,430 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 1,462 |
| Cost of funding earning assets | 0.5342% | 1,949 |
| Net interest margin | 3.9914% | 1,659 |
| Noninterest income to average assets | 0.1980% | 5,497 |
| Noninterest expense to average assets | 2.5331% | 4,128 |
| Loan and lease loss provision to assets | 0.1436% | 1,512 |
| Net operating income to assets | 1.3977% | 1,093 |
| Return on assets (ROA) | 1.3977% | 1,130 |
| Pretax return on assets | 1.3977% | 1,987 |
| Return on Equity (ROE) | 16.0600% | 605 |
| Retained earnings to average equity (ytd only) | 9.7597% | 713 |
| Net charge-offs to loans | -0.0039% | 4,688 |
| Credit loss provision to net charge-offs | -4,133.3333% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1714% | 4,654 |
| Assets per employee ($millions) | 8.4270% | 446 |
| Cash dividends to net income (ytd only)* | 39.2295% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 4,195 |
| Loan loss allowance to noncurrent loans | 1,674.4292% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 3,133 |
| Noncurrent loans to loans | 0.0673% | 5,469 |
| Net loans and leases to total assets | 86.8318% | 192 |
| Net loans and leases to deposits | 109.1227% | 281 |
| Net loans and leases to core deposits | 132.7785% | 233 |
| Total domestic deposits to total assets | 79.5726% | 4,964 |
| Equity capital to assets | 8.9672% | 5,268 |
| Core capital (leverage) ratio | 9.4323% | 4,374 |
| Tier 1 risk-based capital ratio | 9.2339% | 6,233 |
| Total risk-based capital ratio | 10.2471% | 6,239 |
| Memoranda: | ||
| Average total assets | $345,427,330 | 1,913 |
| Average earning assets | $335,467,330 | 1,838 |
| Average equity | $30,062,330 | 2,334 |
| Average total loans | $305,203,000 | 1,455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,010 |
| Cost of funding earning assets | 0.5236% | 2,072 |
| Net interest margin | 3.8038% | 2,221 |
| Noninterest income to average assets | 0.2440% | 5,226 |
| Noninterest expense to average assets | 2.6266% | 3,835 |
| Loan and lease loss provision to assets | 0.0721% | 2,496 |
| Net operating income to assets | 1.2394% | 1,433 |
| Return on assets (ROA) | 1.2394% | 1,518 |
| Pretax return on assets | 1.2394% | 2,513 |
| Return on Equity (ROE) | 14.4859% | 791 |
| Retained earnings to average equity (ytd only) | 1.1802% | 5,015 |
| Net charge-offs to loans | -0.0054% | 4,517 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6972% | 4,033 |
| Assets per employee ($millions) | 7.5508% | 662 |
| Cash dividends to net income (ytd only)* | 91.8526% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 4,360 |
| Loan loss allowance to noncurrent loans | 1,559.1928% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 2,967 |
| Noncurrent loans to loans | 0.0727% | 5,480 |
| Net loans and leases to total assets | 89.2856% | 73 |
| Net loans and leases to deposits | 104.0797% | 364 |
| Net loans and leases to core deposits | 125.1179% | 309 |
| Total domestic deposits to total assets | 85.7858% | 3,051 |
| Equity capital to assets | 8.8385% | 5,455 |
| Core capital (leverage) ratio | 9.1720% | 4,754 |
| Tier 1 risk-based capital ratio | 9.2147% | 6,298 |
| Total risk-based capital ratio | 10.2814% | 6,306 |
| Memoranda: | ||
| Average total assets | $332,748,000 | 2,000 |
| Average earning assets | $323,150,000 | 1,907 |
| Average equity | $28,469,000 | 2,467 |
| Average total loans | $294,991,000 | 1,503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,310 |
| Cost of funding earning assets | 0.5878% | 1,880 |
| Net interest margin | 4.1112% | 1,544 |
| Noninterest income to average assets | 0.2786% | 5,121 |
| Noninterest expense to average assets | 2.7361% | 3,730 |
| Loan and lease loss provision to assets | 0.1123% | 2,297 |
| Net operating income to assets | 1.3789% | 1,123 |
| Return on assets (ROA) | 1.3974% | 1,118 |
| Pretax return on assets | 1.3974% | 1,898 |
| Return on Equity (ROE) | 16.5700% | 543 |
| Retained earnings to average equity (ytd only) | 11.9675% | 303 |
| Net charge-offs to loans | -0.0475% | 5,919 |
| Credit loss provision to net charge-offs | -277.5862% | 5,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7253% | 4,452 |
| Assets per employee ($millions) | 7.4025% | 689 |
| Cash dividends to net income (ytd only)* | 27.7764% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 3,961 |
| Loan loss allowance to noncurrent loans | 1,503.5242% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 3,001 |
| Noncurrent loans to loans | 0.0802% | 5,563 |
| Net loans and leases to total assets | 85.8776% | 213 |
| Net loans and leases to deposits | 106.7400% | 332 |
| Net loans and leases to core deposits | 129.5846% | 250 |
| Total domestic deposits to total assets | 80.4549% | 4,890 |
| Equity capital to assets | 8.2607% | 5,922 |
| Core capital (leverage) ratio | 8.6581% | 5,384 |
| Tier 1 risk-based capital ratio | 9.1386% | 6,399 |
| Total risk-based capital ratio | 10.2959% | 6,392 |
| Memoranda: | ||
| Average total assets | $286,755,800 | 2,232 |
| Average earning assets | $275,419,600 | 2,161 |
| Average equity | $24,182,200 | 2,739 |
| Average total loans | $244,073,200 | 1,726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 1,254 |
| Cost of funding earning assets | 0.6023% | 1,804 |
| Net interest margin | 4.1224% | 1,511 |
| Noninterest income to average assets | 0.2883% | 5,137 |
| Noninterest expense to average assets | 2.7656% | 3,586 |
| Loan and lease loss provision to assets | 0.1550% | 1,604 |
| Net operating income to assets | 1.3173% | 1,323 |
| Return on assets (ROA) | 1.3188% | 1,378 |
| Pretax return on assets | 1.3188% | 2,308 |
| Return on Equity (ROE) | 15.5449% | 743 |
| Retained earnings to average equity (ytd only) | 9.2305% | 919 |
| Net charge-offs to loans | -0.0091% | 5,409 |
| Credit loss provision to net charge-offs | -2,012.5000% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2584% | 4,328 |
| Assets per employee ($millions) | 7.2192% | 730 |
| Cash dividends to net income (ytd only)* | 40.6204% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 3,513 |
| Loan loss allowance to noncurrent loans | 1,440.4348% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 3,022 |
| Noncurrent loans to loans | 0.0921% | 5,668 |
| Net loans and leases to total assets | 83.2620% | 377 |
| Net loans and leases to deposits | 96.1560% | 865 |
| Net loans and leases to core deposits | 117.6905% | 449 |
| Total domestic deposits to total assets | 86.5906% | 2,534 |
| Equity capital to assets | 8.3517% | 5,904 |
| Core capital (leverage) ratio | 8.5306% | 5,625 |
| Tier 1 risk-based capital ratio | 9.2909% | 6,458 |
| Total risk-based capital ratio | 10.5379% | 6,443 |
| Memoranda: | ||
| Average total assets | $277,017,500 | 2,312 |
| Average earning assets | $265,403,750 | 2,246 |
| Average equity | $23,501,250 | 2,807 |
| Average total loans | $234,310,500 | 1,803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 1,456 |
| Cost of funding earning assets | 0.6082% | 1,833 |
| Net interest margin | 4.0188% | 1,764 |
| Noninterest income to average assets | 0.2933% | 5,073 |
| Noninterest expense to average assets | 2.8394% | 3,378 |
| Loan and lease loss provision to assets | 0.1470% | 1,681 |
| Net operating income to assets | 1.1393% | 1,786 |
| Return on assets (ROA) | 1.1415% | 1,869 |
| Pretax return on assets | 1.1415% | 2,923 |
| Return on Equity (ROE) | 13.3795% | 1,076 |
| Retained earnings to average equity (ytd only) | 4.0961% | 3,568 |
| Net charge-offs to loans | -0.0087% | 5,295 |
| Credit loss provision to net charge-offs | -1,990.0000% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8216% | 3,859 |
| Assets per employee ($millions) | 7.3265% | 688 |
| Cash dividends to net income (ytd only)* | 69.3851% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,826 |
| Loan loss allowance to noncurrent loans | 877.1350% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 2,951 |
| Noncurrent loans to loans | 0.1489% | 5,563 |
| Net loans and leases to total assets | 84.2150% | 284 |
| Net loans and leases to deposits | 99.5079% | 583 |
| Net loans and leases to core deposits | 123.6929% | 307 |
| Total domestic deposits to total assets | 84.6315% | 3,670 |
| Equity capital to assets | 8.2510% | 5,989 |
| Core capital (leverage) ratio | 8.6917% | 5,410 |
| Tier 1 risk-based capital ratio | 9.1728% | 6,523 |
| Total risk-based capital ratio | 10.4141% | 6,515 |
| Memoranda: | ||
| Average total assets | $270,694,670 | 2,370 |
| Average earning assets | $258,134,670 | 2,296 |
| Average equity | $23,095,000 | 2,840 |
| Average total loans | $229,161,670 | 1,830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,737 |
| Cost of funding earning assets | 0.6247% | 1,775 |
| Net interest margin | 3.8971% | 2,096 |
| Noninterest income to average assets | 0.2964% | 4,989 |
| Noninterest expense to average assets | 3.0155% | 2,817 |
| Loan and lease loss provision to assets | 0.0988% | 2,275 |
| Net operating income to assets | 0.8800% | 2,745 |
| Return on assets (ROA) | 0.8846% | 2,788 |
| Pretax return on assets | 0.8846% | 3,756 |
| Return on Equity (ROE) | 10.1862% | 1,968 |
| Retained earnings to average equity (ytd only) | -5.7582% | 6,168 |
| Net charge-offs to loans | -0.0090% | 5,015 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4947% | 2,871 |
| Assets per employee ($millions) | 6.5310% | 1,006 |
| Cash dividends to net income (ytd only)* | 156.5292% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 3,623 |
| Loan loss allowance to noncurrent loans | 829.7003% | 611 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 2,875 |
| Noncurrent loans to loans | 0.1683% | 5,580 |
| Net loans and leases to total assets | 80.3098% | 515 |
| Net loans and leases to deposits | 90.5153% | 1,093 |
| Net loans and leases to core deposits | 110.4702% | 570 |
| Total domestic deposits to total assets | 88.7252% | 1,818 |
| Equity capital to assets | 8.4702% | 5,682 |
| Core capital (leverage) ratio | 8.5792% | 5,550 |
| Tier 1 risk-based capital ratio | 9.9924% | 6,481 |
| Total risk-based capital ratio | 11.2437% | 6,453 |
| Memoranda: | ||
| Average total assets | $263,175,000 | 2,435 |
| Average earning assets | $249,723,500 | 2,358 |
| Average equity | $22,854,500 | 2,858 |
| Average total loans | $221,835,000 | 1,890 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 1,315 |
| Cost of funding earning assets | 0.6666% | 2,058 |
| Net interest margin | 4.1328% | 1,560 |
| Noninterest income to average assets | 0.3666% | 4,690 |
| Noninterest expense to average assets | 2.7721% | 3,823 |
| Loan and lease loss provision to assets | 0.1676% | 2,182 |
| Net operating income to assets | 1.3921% | 1,038 |
| Return on assets (ROA) | 1.3921% | 1,074 |
| Pretax return on assets | 1.3921% | 1,812 |
| Return on Equity (ROE) | 15.9087% | 631 |
| Retained earnings to average equity (ytd only) | 8.9443% | 784 |
| Net charge-offs to loans | 0.8053% | 778 |
| Credit loss provision to net charge-offs | 24.6454% | 4,359 |
| Earnings coverage of net charge-offs (x) | 2.2931% | 4,249 |
| Efficiency ratio | 63.9941% | 4,899 |
| Assets per employee ($millions) | 6.4644% | 1,000 |
| Cash dividends to net income (ytd only)* | 43.7771% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,048 |
| Loan loss allowance to noncurrent loans | 706.6508% | 705 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 2,902 |
| Noncurrent loans to loans | 0.1866% | 5,640 |
| Net loans and leases to total assets | 86.0873% | 150 |
| Net loans and leases to deposits | 105.1721% | 291 |
| Net loans and leases to core deposits | 125.0376% | 247 |
| Total domestic deposits to total assets | 81.8538% | 4,926 |
| Equity capital to assets | 8.9057% | 5,144 |
| Core capital (leverage) ratio | 9.0295% | 4,952 |
| Tier 1 risk-based capital ratio | 9.8138% | 6,555 |
| Total risk-based capital ratio | 11.0643% | 6,519 |
| Memoranda: | ||
| Average total assets | $248,766,000 | 2,541 |
| Average earning assets | $238,673,200 | 2,431 |
| Average equity | $21,768,000 | 2,950 |
| Average total loans | $210,118,000 | 1,926 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 1,274 |
| Cost of funding earning assets | 0.6770% | 2,119 |
| Net interest margin | 4.1584% | 1,460 |
| Noninterest income to average assets | 0.4022% | 4,523 |
| Noninterest expense to average assets | 2.7141% | 3,969 |
| Loan and lease loss provision to assets | 0.2257% | 1,606 |
| Net operating income to assets | 1.4556% | 973 |
| Return on assets (ROA) | 1.4556% | 1,024 |
| Pretax return on assets | 1.4556% | 1,744 |
| Return on Equity (ROE) | 16.7121% | 566 |
| Retained earnings to average equity (ytd only) | 8.3094% | 1,291 |
| Net charge-offs to loans | 0.5863% | 1,070 |
| Credit loss provision to net charge-offs | 45.9757% | 3,599 |
| Earnings coverage of net charge-offs (x) | 3.4245% | 3,707 |
| Efficiency ratio | 61.7488% | 5,173 |
| Assets per employee ($millions) | 6.0894% | 1,184 |
| Cash dividends to net income (ytd only)* | 50.2789% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 2,025 |
| Loan loss allowance to noncurrent loans | 111.1768% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 2,409 |
| Noncurrent loans to loans | 1.7014% | 2,643 |
| Net loans and leases to total assets | 80.0654% | 541 |
| Net loans and leases to deposits | 91.7798% | 995 |
| Net loans and leases to core deposits | 109.3541% | 604 |
| Total domestic deposits to total assets | 87.2365% | 2,544 |
| Equity capital to assets | 9.1749% | 4,967 |
| Core capital (leverage) ratio | 9.1977% | 4,837 |
| Tier 1 risk-based capital ratio | 10.6230% | 6,418 |
| Total risk-based capital ratio | 11.8795% | 6,386 |
| Memoranda: | ||
| Average total assets | $246,313,250 | 2,580 |
| Average earning assets | $236,526,750 | 2,470 |
| Average equity | $21,453,000 | 3,024 |
| Average total loans | $206,253,250 | 1,961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 1,335 |
| Cost of funding earning assets | 0.6824% | 2,207 |
| Net interest margin | 4.1135% | 1,504 |
| Noninterest income to average assets | 0.4466% | 4,189 |
| Noninterest expense to average assets | 2.6623% | 4,173 |
| Loan and lease loss provision to assets | 0.3373% | 1,012 |
| Net operating income to assets | 1.4068% | 1,064 |
| Return on assets (ROA) | 1.4068% | 1,150 |
| Pretax return on assets | 1.4068% | 1,909 |
| Return on Equity (ROE) | 16.4408% | 612 |
| Retained earnings to average equity (ytd only) | 5.2093% | 2,921 |
| Net charge-offs to loans | 0.2510% | 2,223 |
| Credit loss provision to net charge-offs | 159.1603% | 1,460 |
| Earnings coverage of net charge-offs (x) | 8.2290% | 2,440 |
| Efficiency ratio | 60.4186% | 5,417 |
| Assets per employee ($millions) | 6.8411% | 773 |
| Cash dividends to net income (ytd only)* | 68.3151% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 1,853 |
| Loan loss allowance to noncurrent loans | 152.6334% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 3,451 |
| Noncurrent loans to loans | 1.3078% | 3,371 |
| Net loans and leases to total assets | 85.4397% | 166 |
| Net loans and leases to deposits | 102.4322% | 316 |
| Net loans and leases to core deposits | 121.0734% | 301 |
| Total domestic deposits to total assets | 83.4110% | 4,542 |
| Equity capital to assets | 8.4766% | 5,788 |
| Core capital (leverage) ratio | 8.9389% | 5,091 |
| Tier 1 risk-based capital ratio | 9.6506% | 6,703 |
| Total risk-based capital ratio | 10.9097% | 6,680 |
| Memoranda: | ||
| Average total assets | $247,225,330 | 2,577 |
| Average earning assets | $237,994,330 | 2,465 |
| Average equity | $21,154,670 | 3,080 |
| Average total loans | $208,744,000 | 1,948 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 1,469 |
| Cost of funding earning assets | 0.6930% | 2,281 |
| Net interest margin | 4.0300% | 1,679 |
| Noninterest income to average assets | 0.5224% | 3,621 |
| Noninterest expense to average assets | 2.7428% | 3,909 |
| Loan and lease loss provision to assets | 0.2735% | 1,291 |
| Net operating income to assets | 1.3722% | 1,099 |
| Return on assets (ROA) | 1.3722% | 1,186 |
| Pretax return on assets | 1.3722% | 1,955 |
| Return on Equity (ROE) | 15.9589% | 613 |
| Retained earnings to average equity (ytd only) | -3.6374% | 6,248 |
| Net charge-offs to loans | -0.3570% | 6,803 |
| Credit loss provision to net charge-offs | -92.2652% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,238 |
| Assets per employee ($millions) | 7.1093% | 735 |
| Cash dividends to net income (ytd only)* | 122.7924% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2980% | 1,413 |
| Loan loss allowance to noncurrent loans | 112.1463% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 2,696 |
| Noncurrent loans to loans | 2.0491% | 2,569 |
| Net loans and leases to total assets | 80.8738% | 355 |
| Net loans and leases to deposits | 91.8007% | 820 |
| Net loans and leases to core deposits | 109.6032% | 507 |
| Total domestic deposits to total assets | 88.0972% | 2,260 |
| Equity capital to assets | 8.6531% | 5,856 |
| Core capital (leverage) ratio | 8.5078% | 5,580 |
| Tier 1 risk-based capital ratio | 10.4257% | 6,601 |
| Total risk-based capital ratio | 11.6881% | 6,579 |
| Memoranda: | ||
| Average total assets | $244,278,000 | 2,640 |
| Average earning assets | $234,341,500 | 2,526 |
| Average equity | $21,004,000 | 3,130 |
| Average total loans | $202,781,000 | 2,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 1,451 |
| Cost of funding earning assets | 0.9412% | 1,697 |
| Net interest margin | 4.0999% | 2,002 |
| Noninterest income to average assets | 0.5126% | 3,814 |
| Noninterest expense to average assets | 2.6943% | 4,414 |
| Loan and lease loss provision to assets | 0.5506% | 1,040 |
| Net operating income to assets | 1.1958% | 1,619 |
| Return on assets (ROA) | 1.1958% | 1,783 |
| Pretax return on assets | 1.1958% | 2,822 |
| Return on Equity (ROE) | 13.5612% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.0580% | 1,541 |
| Net charge-offs to loans | 0.4126% | 2,600 |
| Credit loss provision to net charge-offs | 153.3758% | 1,762 |
| Earnings coverage of net charge-offs (x) | 4.8650% | 3,223 |
| Efficiency ratio | 60.6735% | 5,431 |
| Assets per employee ($millions) | 7.9626% | 509 |
| Cash dividends to net income (ytd only)* | 47.9541% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0683% | 1,837 |
| Loan loss allowance to noncurrent loans | 197.3990% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 4,236 |
| Noncurrent loans to loans | 1.0478% | 4,115 |
| Net loans and leases to total assets | 81.5220% | 360 |
| Net loans and leases to deposits | 92.5450% | 869 |
| Net loans and leases to core deposits | 111.4410% | 490 |
| Total domestic deposits to total assets | 88.0890% | 2,180 |
| Equity capital to assets | 8.5448% | 6,013 |
| Core capital (leverage) ratio | 8.9715% | 4,944 |
| Tier 1 risk-based capital ratio | 9.8950% | 6,727 |
| Total risk-based capital ratio | 11.1545% | 6,691 |
| Memoranda: | ||
| Average total assets | $218,684,000 | 2,853 |
| Average earning assets | $209,515,000 | 2,742 |
| Average equity | $19,283,000 | 3,292 |
| Average total loans | $190,238,000 | 2,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 1,515 |
| Cost of funding earning assets | 0.9748% | 1,710 |
| Net interest margin | 4.0889% | 2,130 |
| Noninterest income to average assets | 0.4838% | 4,031 |
| Noninterest expense to average assets | 2.7259% | 4,264 |
| Loan and lease loss provision to assets | 0.5720% | 1,005 |
| Net operating income to assets | 1.1125% | 2,045 |
| Return on assets (ROA) | 1.1125% | 2,241 |
| Pretax return on assets | 1.1125% | 3,303 |
| Return on Equity (ROE) | 12.5041% | 1,458 |
| Retained earnings to average equity (ytd only) | 4.7722% | 3,542 |
| Net charge-offs to loans | 0.5614% | 1,929 |
| Credit loss provision to net charge-offs | 115.6688% | 2,514 |
| Earnings coverage of net charge-offs (x) | 3.4064% | 3,658 |
| Efficiency ratio | 61.8055% | 5,185 |
| Assets per employee ($millions) | 7.4606% | 610 |
| Cash dividends to net income (ytd only)* | 61.8344% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,210 |
| Loan loss allowance to noncurrent loans | 202.1472% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 4,221 |
| Noncurrent loans to loans | 0.9814% | 4,481 |
| Net loans and leases to total assets | 87.2786% | 106 |
| Net loans and leases to deposits | 100.7343% | 408 |
| Net loans and leases to core deposits | 120.9288% | 291 |
| Total domestic deposits to total assets | 86.6423% | 2,887 |
| Equity capital to assets | 8.8576% | 5,968 |
| Core capital (leverage) ratio | 9.2256% | 4,713 |
| Tier 1 risk-based capital ratio | 10.7689% | 6,578 |
| Total risk-based capital ratio | 12.0298% | 6,549 |
| Memoranda: | ||
| Average total assets | $211,645,000 | 2,938 |
| Average earning assets | $203,243,000 | 2,837 |
| Average equity | $18,830,750 | 3,389 |
| Average total loans | $186,427,750 | 2,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 1,651 |
| Cost of funding earning assets | 1.0323% | 1,565 |
| Net interest margin | 4.0217% | 2,408 |
| Noninterest income to average assets | 0.4345% | 4,401 |
| Noninterest expense to average assets | 2.6871% | 4,475 |
| Loan and lease loss provision to assets | 0.6022% | 986 |
| Net operating income to assets | 1.0001% | 2,467 |
| Return on assets (ROA) | 1.0001% | 2,689 |
| Pretax return on assets | 1.0001% | 3,709 |
| Return on Equity (ROE) | 11.2220% | 1,912 |
| Retained earnings to average equity (ytd only) | 1.1460% | 5,612 |
| Net charge-offs to loans | 0.3327% | 2,696 |
| Credit loss provision to net charge-offs | 206.2706% | 1,375 |
| Earnings coverage of net charge-offs (x) | 5.4884% | 2,825 |
| Efficiency ratio | 62.6460% | 5,143 |
| Assets per employee ($millions) | 6.8794% | 771 |
| Cash dividends to net income (ytd only)* | 89.7881% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 1,680 |
| Loan loss allowance to noncurrent loans | 488.0141% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 5,338 |
| Noncurrent loans to loans | 0.4601% | 5,614 |
| Net loans and leases to total assets | 87.6051% | 92 |
| Net loans and leases to deposits | 99.8035% | 426 |
| Net loans and leases to core deposits | 126.8804% | 238 |
| Total domestic deposits to total assets | 87.7776% | 2,294 |
| Equity capital to assets | 9.3273% | 5,283 |
| Core capital (leverage) ratio | 9.2813% | 4,479 |
| Tier 1 risk-based capital ratio | 11.2888% | 6,341 |
| Total risk-based capital ratio | 12.5534% | 6,310 |
| Memoranda: | ||
| Average total assets | $207,587,000 | 3,001 |
| Average earning assets | $198,971,330 | 2,885 |
| Average equity | $18,499,330 | 3,426 |
| Average total loans | $182,137,000 | 2,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 1,698 |
| Cost of funding earning assets | 1.0671% | 1,581 |
| Net interest margin | 3.9906% | 2,549 |
| Noninterest income to average assets | 0.3631% | 4,971 |
| Noninterest expense to average assets | 2.6380% | 4,669 |
| Loan and lease loss provision to assets | 0.6014% | 953 |
| Net operating income to assets | 0.9318% | 2,781 |
| Return on assets (ROA) | 0.9318% | 2,985 |
| Pretax return on assets | 0.9318% | 3,926 |
| Return on Equity (ROE) | 10.7040% | 2,135 |
| Retained earnings to average equity (ytd only) | -6.3562% | 6,682 |
| Net charge-offs to loans | 0.3630% | 2,216 |
| Credit loss provision to net charge-offs | 190.8537% | 1,384 |
| Earnings coverage of net charge-offs (x) | 4.8659% | 2,487 |
| Efficiency ratio | 63.2427% | 5,058 |
| Assets per employee ($millions) | 7.2284% | 670 |
| Cash dividends to net income (ytd only)* | 159.3814% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,817 |
| Loan loss allowance to noncurrent loans | 919.1686% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 4,989 |
| Noncurrent loans to loans | 0.2431% | 6,203 |
| Net loans and leases to total assets | 83.0783% | 217 |
| Net loans and leases to deposits | 94.1062% | 652 |
| Net loans and leases to core deposits | 118.1629% | 336 |
| Total domestic deposits to total assets | 88.2814% | 2,143 |
| Equity capital to assets | 8.9560% | 5,563 |
| Core capital (leverage) ratio | 9.0056% | 4,834 |
| Tier 1 risk-based capital ratio | 11.3124% | 6,382 |
| Total risk-based capital ratio | 12.5764% | 6,357 |
| Memoranda: | ||
| Average total assets | $208,189,000 | 3,009 |
| Average earning assets | $198,665,000 | 2,912 |
| Average equity | $18,124,000 | 3,480 |
| Average total loans | $180,728,000 | 2,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5186% | 1,124 |
| Cost of funding earning assets | 1.2847% | 1,556 |
| Net interest margin | 4.2339% | 1,949 |
| Noninterest income to average assets | 0.0355% | 6,889 |
| Noninterest expense to average assets | 2.7202% | 4,668 |
| Loan and lease loss provision to assets | 0.4097% | 2,543 |
| Net operating income to assets | 0.9291% | 2,488 |
| Return on assets (ROA) | 0.9291% | 2,604 |
| Pretax return on assets | 0.9291% | 3,518 |
| Return on Equity (ROE) | 10.1657% | 2,005 |
| Retained earnings to average equity (ytd only) | 7.2014% | 1,406 |
| Net charge-offs to loans | 0.3344% | 3,725 |
| Credit loss provision to net charge-offs | 137.1115% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.4808% | 3,096 |
| Efficiency ratio | 67.0166% | 4,573 |
| Assets per employee ($millions) | 7.9521% | 481 |
| Cash dividends to net income (ytd only)* | 29.1593% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 2,032 |
| Loan loss allowance to noncurrent loans | 1,833.0144% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 5,073 |
| Noncurrent loans to loans | 0.1140% | 6,528 |
| Net loans and leases to total assets | 86.8148% | 113 |
| Net loans and leases to deposits | 104.4834% | 297 |
| Net loans and leases to core deposits | 138.7278% | 177 |
| Total domestic deposits to total assets | 83.0896% | 4,711 |
| Equity capital to assets | 8.4516% | 6,205 |
| Core capital (leverage) ratio | 8.7935% | 5,116 |
| Tier 1 risk-based capital ratio | 10.4059% | 6,728 |
| Total risk-based capital ratio | 11.6681% | 6,700 |
| Memoranda: | ||
| Average total assets | $183,077,200 | 3,284 |
| Average earning assets | $173,974,800 | 3,172 |
| Average equity | $16,732,800 | 3,620 |
| Average total loans | $163,596,400 | 2,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 1,099 |
| Cost of funding earning assets | 1.3017% | 1,690 |
| Net interest margin | 4.2686% | 1,831 |
| Noninterest income to average assets | 0.0926% | 6,786 |
| Noninterest expense to average assets | 2.7764% | 4,432 |
| Loan and lease loss provision to assets | 0.5268% | 1,874 |
| Net operating income to assets | 0.8444% | 2,964 |
| Return on assets (ROA) | 0.8444% | 3,112 |
| Pretax return on assets | 0.8444% | 3,966 |
| Return on Equity (ROE) | 9.0404% | 2,578 |
| Retained earnings to average equity (ytd only) | 6.0511% | 2,531 |
| Net charge-offs to loans | 0.5160% | 2,697 |
| Credit loss provision to net charge-offs | 114.0065% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.9674% | 3,659 |
| Efficiency ratio | 66.9388% | 4,538 |
| Assets per employee ($millions) | 7.7902% | 513 |
| Cash dividends to net income (ytd only)* | 33.0657% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,990 |
| Loan loss allowance to noncurrent loans | 1,777.0335% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 4,858 |
| Noncurrent loans to loans | 0.1201% | 6,634 |
| Net loans and leases to total assets | 87.4226% | 93 |
| Net loans and leases to deposits | 101.1159% | 421 |
| Net loans and leases to core deposits | 133.6360% | 210 |
| Total domestic deposits to total assets | 86.4578% | 2,954 |
| Equity capital to assets | 8.7428% | 6,039 |
| Core capital (leverage) ratio | 9.1938% | 4,637 |
| Tier 1 risk-based capital ratio | 10.7370% | 6,692 |
| Total risk-based capital ratio | 12.0004% | 6,665 |
| Memoranda: | ||
| Average total assets | $177,158,000 | 3,392 |
| Average earning assets | $168,294,000 | 3,283 |
| Average equity | $16,547,500 | 3,652 |
| Average total loans | $158,664,500 | 2,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 1,069 |
| Cost of funding earning assets | 1.3197% | 1,826 |
| Net interest margin | 4.2808% | 1,730 |
| Noninterest income to average assets | -0.0444% | 7,252 |
| Noninterest expense to average assets | 2.8559% | 4,207 |
| Loan and lease loss provision to assets | 0.5990% | 1,614 |
| Net operating income to assets | 0.5721% | 4,203 |
| Return on assets (ROA) | 0.5721% | 4,332 |
| Pretax return on assets | 0.5721% | 4,841 |
| Return on Equity (ROE) | 5.9801% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.9778% | 4,385 |
| Net charge-offs to loans | 0.7463% | 2,012 |
| Credit loss provision to net charge-offs | 89.5288% | 3,463 |
| Earnings coverage of net charge-offs (x) | 1.7504% | 3,991 |
| Efficiency ratio | 70.9191% | 3,944 |
| Assets per employee ($millions) | 6.9233% | 761 |
| Cash dividends to net income (ytd only)* | 50.2041% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2884% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,707.1770% | 244 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 4,756 |
| Noncurrent loans to loans | 0.1340% | 6,644 |
| Net loans and leases to total assets | 88.0196% | 79 |
| Net loans and leases to deposits | 110.5775% | 169 |
| Net loans and leases to core deposits | 149.6905% | 147 |
| Total domestic deposits to total assets | 79.5998% | 5,928 |
| Equity capital to assets | 9.5475% | 4,738 |
| Core capital (leverage) ratio | 9.6370% | 3,750 |
| Tier 1 risk-based capital ratio | 11.3428% | 6,289 |
| Total risk-based capital ratio | 12.6071% | 6,270 |
| Memoranda: | ||
| Average total assets | $171,292,670 | 3,507 |
| Average earning assets | $162,913,330 | 3,390 |
| Average equity | $16,387,670 | 3,670 |
| Average total loans | $153,561,670 | 2,633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 888 |
| Cost of funding earning assets | 1.3244% | 2,043 |
| Net interest margin | 4.3710% | 1,366 |
| Noninterest income to average assets | 0.2441% | 5,949 |
| Noninterest expense to average assets | 2.8874% | 4,115 |
| Loan and lease loss provision to assets | 0.7934% | 1,070 |
| Net operating income to assets | 0.7160% | 3,444 |
| Return on assets (ROA) | 0.7160% | 3,507 |
| Pretax return on assets | 0.7160% | 4,240 |
| Return on Equity (ROE) | 7.4759% | 3,157 |
| Retained earnings to average equity (ytd only) | 4.4856% | 3,483 |
| Net charge-offs to loans | 0.3439% | 2,686 |
| Credit loss provision to net charge-offs | 258.0153% | 1,211 |
| Earnings coverage of net charge-offs (x) | 4.9084% | 2,374 |
| Efficiency ratio | 65.6700% | 5,086 |
| Assets per employee ($millions) | 6.3594% | 999 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 1,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 4,597 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 85.5841% | 148 |
| Net loans and leases to deposits | 104.2715% | 305 |
| Net loans and leases to core deposits | 137.9997% | 206 |
| Total domestic deposits to total assets | 82.0781% | 5,278 |
| Equity capital to assets | 9.9211% | 3,873 |
| Core capital (leverage) ratio | 9.4848% | 3,833 |
| Tier 1 risk-based capital ratio | 11.8622% | 5,809 |
| Total risk-based capital ratio | 13.1309% | 5,798 |
| Memoranda: | ||
| Average total assets | $170,398,000 | 3,550 |
| Average earning assets | $161,887,000 | 3,426 |
| Average equity | $16,319,000 | 3,672 |
| Average total loans | $152,385,500 | 2,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9659% | 914 |
| Cost of funding earning assets | 1.3133% | 3,795 |
| Net interest margin | 4.6525% | 902 |
| Noninterest income to average assets | 0.0018% | 7,274 |
| Noninterest expense to average assets | 2.7291% | 4,856 |
| Loan and lease loss provision to assets | 0.8391% | 1,959 |
| Net operating income to assets | 0.8275% | 2,681 |
| Return on assets (ROA) | 0.8275% | 2,824 |
| Pretax return on assets | 0.8275% | 3,541 |
| Return on Equity (ROE) | 8.4756% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,201 |
| Net charge-offs to loans | 0.9099% | 2,368 |
| Credit loss provision to net charge-offs | 103.5418% | 4,348 |
| Earnings coverage of net charge-offs (x) | 2.0565% | 4,186 |
| Efficiency ratio | 62.0867% | 5,720 |
| Assets per employee ($millions) | 7.3105% | 643 |
| Cash dividends to net income (ytd only)* | 36.6790% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,735 |
| Loan loss allowance to noncurrent loans | 167.4977% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 3,093 |
| Noncurrent loans to loans | 1.3586% | 4,447 |
| Net loans and leases to total assets | 88.7992% | 79 |
| Net loans and leases to deposits | 116.2488% | 141 |
| Net loans and leases to core deposits | 158.6128% | 146 |
| Total domestic deposits to total assets | 76.3871% | 6,586 |
| Equity capital to assets | 9.2527% | 4,750 |
| Core capital (leverage) ratio | 9.6926% | 3,439 |
| Tier 1 risk-based capital ratio | 11.2486% | 6,133 |
| Total risk-based capital ratio | 12.5136% | 6,105 |
| Memoranda: | ||
| Average total assets | $163,754,200 | 3,636 |
| Average earning assets | $154,646,800 | 3,560 |
| Average equity | $15,987,000 | 3,769 |
| Average total loans | $145,838,800 | 2,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1175% | 735 |
| Cost of funding earning assets | 1.3371% | 3,998 |
| Net interest margin | 4.7804% | 702 |
| Noninterest income to average assets | 0.0680% | 7,194 |
| Noninterest expense to average assets | 2.7648% | 4,622 |
| Loan and lease loss provision to assets | 0.7196% | 2,122 |
| Net operating income to assets | 1.0769% | 1,981 |
| Return on assets (ROA) | 1.0769% | 2,087 |
| Pretax return on assets | 1.0769% | 2,905 |
| Return on Equity (ROE) | 10.8756% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.7694% | 1,497 |
| Net charge-offs to loans | 1.1691% | 1,746 |
| Credit loss provision to net charge-offs | 69.4956% | 5,433 |
| Earnings coverage of net charge-offs (x) | 1.7350% | 4,407 |
| Efficiency ratio | 60.6143% | 5,853 |
| Assets per employee ($millions) | 6.8860% | 805 |
| Cash dividends to net income (ytd only)* | 28.5601% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,579 |
| Loan loss allowance to noncurrent loans | 1,739.1304% | 223 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 4,565 |
| Noncurrent loans to loans | 0.1339% | 6,910 |
| Net loans and leases to total assets | 84.7642% | 281 |
| Net loans and leases to deposits | 107.0473% | 323 |
| Net loans and leases to core deposits | 151.8494% | 179 |
| Total domestic deposits to total assets | 79.1838% | 5,975 |
| Equity capital to assets | 10.3134% | 3,746 |
| Core capital (leverage) ratio | 10.2451% | 2,991 |
| Tier 1 risk-based capital ratio | 12.3820% | 5,092 |
| Total risk-based capital ratio | 13.6465% | 5,051 |
| Memoranda: | ||
| Average total assets | $160,830,000 | 3,741 |
| Average earning assets | $151,168,000 | 3,666 |
| Average equity | $15,925,250 | 3,822 |
| Average total loans | $142,441,750 | 2,930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0678% | 813 |
| Cost of funding earning assets | 1.3243% | 4,387 |
| Net interest margin | 4.7435% | 735 |
| Noninterest income to average assets | 0.0940% | 7,120 |
| Noninterest expense to average assets | 2.7121% | 4,861 |
| Loan and lease loss provision to assets | 0.7597% | 1,891 |
| Net operating income to assets | 1.1160% | 1,798 |
| Return on assets (ROA) | 1.1160% | 1,865 |
| Pretax return on assets | 1.1160% | 2,730 |
| Return on Equity (ROE) | 11.4257% | 1,615 |
| Retained earnings to average equity (ytd only) | 8.3096% | 1,327 |
| Net charge-offs to loans | 1.6765% | 1,116 |
| Credit loss provision to net charge-offs | 50.8278% | 5,399 |
| Earnings coverage of net charge-offs (x) | 1.2550% | 4,566 |
| Efficiency ratio | 59.1154% | 6,198 |
| Assets per employee ($millions) | 6.9769% | 775 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,944 |
| Loan loss allowance to noncurrent loans | 274.5404% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 3,286 |
| Noncurrent loans to loans | 0.7696% | 5,731 |
| Net loans and leases to total assets | 86.2416% | 216 |
| Net loans and leases to deposits | 111.4861% | 239 |
| Net loans and leases to core deposits | 164.6532% | 151 |
| Total domestic deposits to total assets | 77.3564% | 6,421 |
| Equity capital to assets | 10.0163% | 4,010 |
| Core capital (leverage) ratio | 10.1200% | 3,038 |
| Tier 1 risk-based capital ratio | 11.7500% | 5,541 |
| Total risk-based capital ratio | 13.0112% | 5,495 |
| Memoranda: | ||
| Average total assets | $161,647,670 | 3,750 |
| Average earning assets | $153,136,000 | 3,655 |
| Average equity | $15,789,000 | 3,834 |
| Average total loans | $144,106,670 | 2,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5182% | 347 |
| Cost of funding earning assets | 1.3306% | 4,621 |
| Net interest margin | 5.1876% | 297 |
| Noninterest income to average assets | 0.0247% | 7,583 |
| Noninterest expense to average assets | 2.6924% | 4,939 |
| Loan and lease loss provision to assets | 0.7742% | 1,634 |
| Net operating income to assets | 1.4990% | 896 |
| Return on assets (ROA) | 1.4990% | 966 |
| Pretax return on assets | 1.4990% | 1,520 |
| Return on Equity (ROE) | 15.5429% | 795 |
| Retained earnings to average equity (ytd only) | 12.3985% | 699 |
| Net charge-offs to loans | 0.5114% | 2,535 |
| Credit loss provision to net charge-offs | 168.8172% | 2,160 |
| Earnings coverage of net charge-offs (x) | 4.9570% | 2,503 |
| Efficiency ratio | 54.2205% | 6,947 |
| Assets per employee ($millions) | 7.2555% | 736 |
| Cash dividends to net income (ytd only)* | 20.2303% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 1,187 |
| Loan loss allowance to noncurrent loans | 92.3096% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 3.1669% | 2,262 |
| Noncurrent loans to loans | 2.8112% | 2,853 |
| Net loans and leases to total assets | 87.2167% | 158 |
| Net loans and leases to deposits | 112.6862% | 238 |
| Net loans and leases to core deposits | 161.8934% | 184 |
| Total domestic deposits to total assets | 77.3979% | 6,473 |
| Equity capital to assets | 9.9566% | 3,923 |
| Core capital (leverage) ratio | 9.7957% | 3,404 |
| Tier 1 risk-based capital ratio | 11.5945% | 5,583 |
| Total risk-based capital ratio | 12.8619% | 5,534 |
| Memoranda: | ||
| Average total assets | $162,237,000 | 3,797 |
| Average earning assets | $154,522,000 | 3,679 |
| Average equity | $15,647,000 | 3,891 |
| Average total loans | $145,471,000 | 2,973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 2,607 |
| Cost of funding earning assets | 1.6548% | 4,766 |
| Net interest margin | 4.1568% | 2,218 |
| Noninterest income to average assets | 0.0580% | 7,468 |
| Noninterest expense to average assets | 2.6072% | 5,773 |
| Loan and lease loss provision to assets | 2.0368% | 1,053 |
| Net operating income to assets | -0.6484% | 6,311 |
| Return on assets (ROA) | -0.6484% | 6,314 |
| Pretax return on assets | -0.6484% | 6,137 |
| Return on Equity (ROE) | -7.3739% | 6,418 |
| Retained earnings to average equity (ytd only) | -8.5906% | 6,401 |
| Net charge-offs to loans | 0.9901% | 2,428 |
| Credit loss provision to net charge-offs | 228.6541% | 1,613 |
| Earnings coverage of net charge-offs (x) | 1.5586% | 4,573 |
| Efficiency ratio | 65.2525% | 5,543 |
| Assets per employee ($millions) | 8.2426% | 456 |
| Cash dividends to net income (ytd only)* | -16.5010% | 7,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4193% | 1,333 |
| Loan loss allowance to noncurrent loans | 82.1330% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 3.3048% | 2,073 |
| Noncurrent loans to loans | 2.9456% | 2,616 |
| Net loans and leases to total assets | 87.6150% | 192 |
| Net loans and leases to deposits | 114.4040% | 257 |
| Net loans and leases to core deposits | 143.8252% | 681 |
| Total domestic deposits to total assets | 76.5838% | 6,569 |
| Equity capital to assets | 9.3423% | 4,646 |
| Core capital (leverage) ratio | 9.4670% | 3,760 |
| Tier 1 risk-based capital ratio | 10.3752% | 6,517 |
| Total risk-based capital ratio | 11.6393% | 6,479 |
| Memoranda: | ||
| Average total assets | $155,147,800 | 3,879 |
| Average earning assets | $146,962,400 | 3,765 |
| Average equity | $13,642,800 | 4,350 |
| Average total loans | $139,582,000 | 3,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7699% | 3,021 |
| Cost of funding earning assets | 1.7062% | 4,864 |
| Net interest margin | 4.0638% | 2,536 |
| Noninterest income to average assets | 0.1545% | 7,082 |
| Noninterest expense to average assets | 2.6959% | 5,347 |
| Loan and lease loss provision to assets | 1.8386% | 1,009 |
| Net operating income to assets | -0.5352% | 6,467 |
| Return on assets (ROA) | -0.5352% | 6,461 |
| Pretax return on assets | -0.5352% | 6,342 |
| Return on Equity (ROE) | -6.1902% | 6,576 |
| Retained earnings to average equity (ytd only) | -6.1902% | 6,409 |
| Net charge-offs to loans | 0.8205% | 2,325 |
| Credit loss provision to net charge-offs | 248.9362% | 1,735 |
| Earnings coverage of net charge-offs (x) | 1.7648% | 4,470 |
| Efficiency ratio | 67.4089% | 5,095 |
| Assets per employee ($millions) | 7.9465% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 1,415 |
| Loan loss allowance to noncurrent loans | 70.2523% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 3.4890% | 1,910 |
| Noncurrent loans to loans | 3.1357% | 2,408 |
| Net loans and leases to total assets | 85.5597% | 384 |
| Net loans and leases to deposits | 127.3567% | 126 |
| Net loans and leases to core deposits | 161.3814% | 362 |
| Total domestic deposits to total assets | 67.1811% | 7,629 |
| Equity capital to assets | 10.0547% | 4,019 |
| Core capital (leverage) ratio | 10.3065% | 2,963 |
| Tier 1 risk-based capital ratio | 11.4018% | 5,534 |
| Total risk-based capital ratio | 12.6630% | 5,462 |
| Memoranda: | ||
| Average total assets | $152,721,750 | 3,937 |
| Average earning assets | $144,492,750 | 3,829 |
| Average equity | $13,203,250 | 4,486 |
| Average total loans | $137,473,500 | 3,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 3,147 |
| Cost of funding earning assets | 1.7549% | 4,978 |
| Net interest margin | 4.0233% | 2,605 |
| Noninterest income to average assets | 0.1487% | 7,201 |
| Noninterest expense to average assets | 2.8158% | 4,890 |
| Loan and lease loss provision to assets | 0.9930% | 1,693 |
| Net operating income to assets | 0.1779% | 5,335 |
| Return on assets (ROA) | 0.1779% | 5,429 |
| Pretax return on assets | 0.1779% | 5,517 |
| Return on Equity (ROE) | 2.1828% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.1828% | 4,128 |
| Net charge-offs to loans | 0.9478% | 1,830 |
| Credit loss provision to net charge-offs | 115.2542% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.3590% | 4,508 |
| Efficiency ratio | 70.6294% | 4,648 |
| Assets per employee ($millions) | 7.1534% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,799 |
| Loan loss allowance to noncurrent loans | 60.2089% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 2,858 |
| Noncurrent loans to loans | 2.3039% | 3,130 |
| Net loans and leases to total assets | 90.0075% | 131 |
| Net loans and leases to deposits | 125.7215% | 151 |
| Net loans and leases to core deposits | 159.4902% | 461 |
| Total domestic deposits to total assets | 71.5927% | 7,295 |
| Equity capital to assets | 8.1992% | 6,492 |
| Core capital (leverage) ratio | 8.0450% | 6,248 |
| Tier 1 risk-based capital ratio | 8.9833% | 7,702 |
| Total risk-based capital ratio | 10.2346% | 7,727 |
| Memoranda: | ||
| Average total assets | $150,652,330 | 3,982 |
| Average earning assets | $143,712,670 | 3,868 |
| Average equity | $12,277,670 | 4,744 |
| Average total loans | $136,950,330 | 3,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 3,580 |
| Cost of funding earning assets | 1.7808% | 5,202 |
| Net interest margin | 3.9604% | 2,812 |
| Noninterest income to average assets | 0.1352% | 7,328 |
| Noninterest expense to average assets | 2.8078% | 4,525 |
| Loan and lease loss provision to assets | 0.7291% | 1,759 |
| Net operating income to assets | 0.3897% | 4,893 |
| Return on assets (ROA) | 0.3897% | 5,072 |
| Pretax return on assets | 0.3897% | 5,427 |
| Return on Equity (ROE) | 4.7969% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.7969% | 3,239 |
| Net charge-offs to loans | 0.7043% | 1,778 |
| Credit loss provision to net charge-offs | 114.1079% | 3,404 |
| Earnings coverage of net charge-offs (x) | 1.7510% | 3,857 |
| Efficiency ratio | 71.5057% | 4,270 |
| Assets per employee ($millions) | 7.2260% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,725 |
| Loan loss allowance to noncurrent loans | 91.8500% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.9539% | 2,975 |
| Noncurrent loans to loans | 1.4830% | 4,075 |
| Net loans and leases to total assets | 87.6622% | 295 |
| Net loans and leases to deposits | 119.9897% | 289 |
| Net loans and leases to core deposits | 152.7034% | 627 |
| Total domestic deposits to total assets | 73.0581% | 7,041 |
| Equity capital to assets | 8.1162% | 6,654 |
| Core capital (leverage) ratio | 7.9292% | 6,571 |
| Tier 1 risk-based capital ratio | 9.0959% | 7,735 |
| Total risk-based capital ratio | 10.3466% | 7,750 |
| Memoranda: | ||
| Average total assets | $150,867,500 | 3,996 |
| Average earning assets | $144,430,500 | 3,865 |
| Average equity | $12,258,000 | 4,766 |
| Average total loans | $136,869,000 | 3,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8119% | 1,639 |
| Cost of funding earning assets | 2.4964% | 4,226 |
| Net interest margin | 4.3154% | 1,929 |
| Noninterest income to average assets | 0.1336% | 7,440 |
| Noninterest expense to average assets | 2.7562% | 5,023 |
| Loan and lease loss provision to assets | 0.9339% | 1,588 |
| Net operating income to assets | 0.5596% | 4,485 |
| Return on assets (ROA) | 0.5596% | 4,338 |
| Pretax return on assets | 0.5596% | 4,819 |
| Return on Equity (ROE) | 6.1960% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.1960% | 1,441 |
| Net charge-offs to loans | 0.3124% | 3,304 |
| Credit loss provision to net charge-offs | 328.0000% | 1,379 |
| Earnings coverage of net charge-offs (x) | 5.2453% | 3,717 |
| Efficiency ratio | 64.8562% | 5,359 |
| Assets per employee ($millions) | 7.4995% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 3,796 |
| Loan loss allowance to noncurrent loans | 218.0169% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,044 |
| Noncurrent loans to loans | 0.5955% | 5,587 |
| Net loans and leases to total assets | 91.3894% | 111 |
| Net loans and leases to deposits | 143.3824% | 97 |
| Net loans and leases to core deposits | 194.0253% | 192 |
| Total domestic deposits to total assets | 63.7382% | 7,807 |
| Equity capital to assets | 8.1339% | 6,651 |
| Core capital (leverage) ratio | 8.2279% | 6,111 |
| Tier 1 risk-based capital ratio | 9.2291% | 7,588 |
| Total risk-based capital ratio | 10.4801% | 7,533 |
| Memoranda: | ||
| Average total assets | $131,702,400 | 4,241 |
| Average earning assets | $125,619,200 | 4,139 |
| Average equity | $11,894,800 | 4,858 |
| Average total loans | $120,048,000 | 3,457 |