Home > Two Rivers Bank & Trust > Performance and Condition Ratios
Two Rivers Bank & Trust, 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 | 4.4811% | 3,124 |
| Cost of funding earning assets | 1.4129% | 2,197 |
| Net interest margin | 3.0681% | 3,158 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.6615% | 1,843 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7148% | 3,150 |
| Return on assets (ROA) | 0.7204% | 3,110 |
| Pretax return on assets | 0.9261% | 2,889 |
| Return on Equity (ROE) | 6.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 0.0433% | 4,032 |
| Net charge-offs to loans | 0.1304% | 756 |
| Credit loss provision to net charge-offs | 84.0543% | 1,995 |
| Earnings coverage of net charge-offs (x) | 10.1052% | 2,259 |
| Efficiency ratio | 69.4336% | 1,965 |
| Assets per employee ($millions) | 7.6242% | 1,644 |
| Cash dividends to net income (ytd only)* | 99.3805% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 1,787 |
| Loan loss allowance to noncurrent loans | 224.6874% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 1,232 |
| Noncurrent loans to loans | 0.5767% | 1,359 |
| Net loans and leases to total assets | 76.6200% | 1,028 |
| Net loans and leases to deposits | 89.7054% | 1,297 |
| Net loans and leases to core deposits | 91.5272% | 1,943 |
| Total domestic deposits to total assets | 85.4100% | 2,182 |
| Equity capital to assets | 10.7278% | 1,616 |
| Core capital (leverage) ratio | 10.1087% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,209,949,000 | 847 |
| Average earning assets | $1,120,450,800 | 842 |
| Average equity | $124,725,400 | 793 |
| Average total loans | $904,039,600 | 790 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,437 |
| Cost of funding earning assets | 1.1689% | 2,532 |
| Net interest margin | 3.0487% | 3,236 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.7743% | 1,488 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7541% | 3,154 |
| Return on assets (ROA) | 0.7588% | 3,136 |
| Pretax return on assets | 0.9655% | 2,946 |
| Return on Equity (ROE) | 8.2400% | 3,119 |
| Retained earnings to average equity (ytd only) | -0.1572% | 4,170 |
| Net charge-offs to loans | 0.2199% | 402 |
| Credit loss provision to net charge-offs | 56.0420% | 1,872 |
| Earnings coverage of net charge-offs (x) | 6.5368% | 2,282 |
| Efficiency ratio | 71.9822% | 1,570 |
| Assets per employee ($millions) | 7.0107% | 1,954 |
| Cash dividends to net income (ytd only)* | 101.9085% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,838 |
| Loan loss allowance to noncurrent loans | 228.6839% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 1,356 |
| Noncurrent loans to loans | 0.5715% | 1,402 |
| Net loans and leases to total assets | 74.1700% | 1,322 |
| Net loans and leases to deposits | 84.6914% | 1,674 |
| Net loans and leases to core deposits | 86.3256% | 2,169 |
| Total domestic deposits to total assets | 87.5700% | 1,715 |
| Equity capital to assets | 8.9500% | 2,448 |
| Core capital (leverage) ratio | 10.5458% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6210% | 1,677 |
| Memoranda: | ||
| Average total assets | $948,302,750 | 1,038 |
| Average earning assets | $887,392,750 | 1,018 |
| Average equity | $87,354,250 | 1,053 |
| Average total loans | $692,548,500 | 968 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,602 |
| Cost of funding earning assets | 0.9966% | 2,609 |
| Net interest margin | 3.0443% | 3,329 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.8704% | 1,278 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6432% | 3,479 |
| Return on assets (ROA) | 0.6483% | 3,473 |
| Pretax return on assets | 0.8188% | 3,361 |
| Return on Equity (ROE) | 6.9700% | 3,483 |
| Retained earnings to average equity (ytd only) | -5.4943% | 4,438 |
| Net charge-offs to loans | 0.0484% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 26.6205% | 1,607 |
| Efficiency ratio | 74.9252% | 1,262 |
| Assets per employee ($millions) | 6.7276% | 2,121 |
| Cash dividends to net income (ytd only)* | 178.8036% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,596 |
| Loan loss allowance to noncurrent loans | 132.4532% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 665 |
| Noncurrent loans to loans | 1.0432% | 712 |
| Net loans and leases to total assets | 72.4700% | 1,469 |
| Net loans and leases to deposits | 81.3416% | 1,884 |
| Net loans and leases to core deposits | 82.7966% | 2,278 |
| Total domestic deposits to total assets | 89.1000% | 1,221 |
| Equity capital to assets | 9.1602% | 2,403 |
| Core capital (leverage) ratio | 10.4031% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3356% | 1,776 |
| Memoranda: | ||
| Average total assets | $948,921,000 | 1,022 |
| Average earning assets | $887,824,333 | 1,009 |
| Average equity | $88,236,667 | 1,037 |
| Average total loans | $686,313,333 | 964 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,573 |
| Cost of funding earning assets | 0.8117% | 2,691 |
| Net interest margin | 3.1318% | 3,283 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.7504% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8675% | 2,967 |
| Return on assets (ROA) | 0.8745% | 2,894 |
| Pretax return on assets | 1.1185% | 2,662 |
| Return on Equity (ROE) | 9.3400% | 2,957 |
| Retained earnings to average equity (ytd only) | -15.4091% | 4,554 |
| Net charge-offs to loans | 0.0441% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 35.1067% | 1,240 |
| Efficiency ratio | 70.6846% | 1,679 |
| Assets per employee ($millions) | 6.4077% | 2,401 |
| Cash dividends to net income (ytd only)* | 265.0602% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,478 |
| Loan loss allowance to noncurrent loans | 125.6851% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 575 |
| Noncurrent loans to loans | 1.1421% | 616 |
| Net loans and leases to total assets | 70.8800% | 1,538 |
| Net loans and leases to deposits | 79.6204% | 1,844 |
| Net loans and leases to core deposits | 80.7521% | 2,197 |
| Total domestic deposits to total assets | 89.0200% | 1,539 |
| Equity capital to assets | 9.2865% | 2,303 |
| Core capital (leverage) ratio | 10.2590% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4556% | 1,804 |
| Memoranda: | ||
| Average total assets | $949,086,500 | 1,038 |
| Average earning assets | $889,466,000 | 1,021 |
| Average equity | $88,908,500 | 1,043 |
| Average total loans | $680,923,500 | 980 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 3,343 |
| Cost of funding earning assets | 0.2758% | 3,085 |
| Net interest margin | 3.1251% | 3,099 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.8595% | 1,197 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.8491% | 3,154 |
| Return on assets (ROA) | 0.8482% | 3,087 |
| Pretax return on assets | 1.1238% | 2,697 |
| Return on Equity (ROE) | 8.8400% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.3093% | 2,919 |
| Net charge-offs to loans | 0.0537% | 1,128 |
| Credit loss provision to net charge-offs | -155.3314% | 4,593 |
| Earnings coverage of net charge-offs (x) | 29.8732% | 1,687 |
| Efficiency ratio | 72.2391% | 1,415 |
| Assets per employee ($millions) | 6.7818% | 2,133 |
| Cash dividends to net income (ytd only)* | 39.9489% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,829 |
| Loan loss allowance to noncurrent loans | 114.0720% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 566 |
| Noncurrent loans to loans | 1.1524% | 613 |
| Net loans and leases to total assets | 70.6400% | 1,569 |
| Net loans and leases to deposits | 79.7504% | 1,793 |
| Net loans and leases to core deposits | 80.4741% | 2,101 |
| Total domestic deposits to total assets | 88.5800% | 1,852 |
| Equity capital to assets | 9.4478% | 2,048 |
| Core capital (leverage) ratio | 10.3380% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7220% | 1,724 |
| Memoranda: | ||
| Average total assets | $969,409,000 | 1,008 |
| Average earning assets | $911,832,000 | 985 |
| Average equity | $93,006,000 | 993 |
| Average total loans | $646,174,800 | 974 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2338% | 3,352 |
| Cost of funding earning assets | 0.1929% | 3,359 |
| Net interest margin | 3.0409% | 3,113 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.8410% | 1,166 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7491% | 3,418 |
| Return on assets (ROA) | 0.7464% | 3,379 |
| Pretax return on assets | 0.9425% | 3,200 |
| Return on Equity (ROE) | 7.7500% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.7503% | 2,099 |
| Net charge-offs to loans | 0.0400% | 1,094 |
| Credit loss provision to net charge-offs | 314.1361% | 792 |
| Earnings coverage of net charge-offs (x) | 39.2723% | 1,398 |
| Efficiency ratio | 72.8770% | 1,393 |
| Assets per employee ($millions) | 6.4699% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,111 |
| Loan loss allowance to noncurrent loans | 79.0796% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 279 |
| Noncurrent loans to loans | 1.9923% | 306 |
| Net loans and leases to total assets | 65.8200% | 1,906 |
| Net loans and leases to deposits | 73.9702% | 2,051 |
| Net loans and leases to core deposits | 74.8719% | 2,286 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 8.8137% | 2,343 |
| Core capital (leverage) ratio | 10.5615% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4194% | 1,596 |
| Memoranda: | ||
| Average total assets | $972,701,500 | 1,012 |
| Average earning assets | $915,587,250 | 988 |
| Average equity | $93,671,500 | 1,003 |
| Average total loans | $636,597,750 | 979 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 3,293 |
| Cost of funding earning assets | 0.1374% | 3,742 |
| Net interest margin | 2.9675% | 2,978 |
| Noninterest income to average assets | 1.0211% | 637 |
| Noninterest expense to average assets | 2.8540% | 1,068 |
| Loan and lease loss provision to assets | 0.1235% | 796 |
| Net operating income to assets | 0.6770% | 3,387 |
| Return on assets (ROA) | 0.6727% | 3,356 |
| Pretax return on assets | 0.8407% | 3,230 |
| Return on Equity (ROE) | 6.7926% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.7926% | 2,057 |
| Net charge-offs to loans | 0.0555% | 832 |
| Credit loss provision to net charge-offs | 342.8571% | 752 |
| Earnings coverage of net charge-offs (x) | 26.9086% | 1,437 |
| Efficiency ratio | 74.0805% | 1,498 |
| Assets per employee ($millions) | 6.4048% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,094 |
| Loan loss allowance to noncurrent loans | 76.7724% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 270 |
| Noncurrent loans to loans | 2.1183% | 301 |
| Net loans and leases to total assets | 64.9103% | 1,815 |
| Net loans and leases to deposits | 74.0677% | 1,864 |
| Net loans and leases to core deposits | 74.8002% | 2,107 |
| Total domestic deposits to total assets | 87.6365% | 2,718 |
| Equity capital to assets | 9.4585% | 2,050 |
| Core capital (leverage) ratio | 10.2097% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5291% | 1,565 |
| Memoranda: | ||
| Average total assets | $971,283,667 | 1,006 |
| Average earning assets | $917,261,667 | 990 |
| Average equity | $96,193,333 | 988 |
| Average total loans | $631,029,667 | 981 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0384% | 3,143 |
| Cost of funding earning assets | 0.1307% | 3,762 |
| Net interest margin | 2.9076% | 2,813 |
| Noninterest income to average assets | 1.0121% | 662 |
| Noninterest expense to average assets | 2.8369% | 1,083 |
| Loan and lease loss provision to assets | 0.2458% | 267 |
| Net operating income to assets | 0.5398% | 3,598 |
| Return on assets (ROA) | 0.5349% | 3,576 |
| Pretax return on assets | 0.6746% | 3,462 |
| Return on Equity (ROE) | 5.2845% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.2845% | 2,485 |
| Net charge-offs to loans | 0.1144% | 475 |
| Credit loss provision to net charge-offs | 333.3333% | 633 |
| Earnings coverage of net charge-offs (x) | 12.5667% | 1,412 |
| Efficiency ratio | 74.8150% | 1,654 |
| Assets per employee ($millions) | 6.1113% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,130 |
| Loan loss allowance to noncurrent loans | 75.4319% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 267 |
| Noncurrent loans to loans | 2.2008% | 306 |
| Net loans and leases to total assets | 62.8159% | 1,764 |
| Net loans and leases to deposits | 71.7506% | 1,803 |
| Net loans and leases to core deposits | 72.4802% | 2,068 |
| Total domestic deposits to total assets | 87.5476% | 2,728 |
| Equity capital to assets | 9.7288% | 2,104 |
| Core capital (leverage) ratio | 10.1131% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4718% | 1,651 |
| Memoranda: | ||
| Average total assets | $976,564,500 | 1,000 |
| Average earning assets | $924,052,500 | 990 |
| Average equity | $98,855,000 | 996 |
| Average total loans | $629,586,000 | 979 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 2,880 |
| Cost of funding earning assets | 0.1970% | 3,496 |
| Net interest margin | 3.2240% | 2,543 |
| Noninterest income to average assets | 1.0120% | 984 |
| Noninterest expense to average assets | 2.7616% | 1,450 |
| Loan and lease loss provision to assets | 0.0507% | 2,045 |
| Net operating income to assets | 0.9981% | 2,675 |
| Return on assets (ROA) | 1.0010% | 2,731 |
| Pretax return on assets | 1.2561% | 2,500 |
| Return on Equity (ROE) | 10.1133% | 2,483 |
| Retained earnings to average equity (ytd only) | 10.1133% | 889 |
| Net charge-offs to loans | 0.2066% | 460 |
| Credit loss provision to net charge-offs | 36.7965% | 2,209 |
| Earnings coverage of net charge-offs (x) | 9.4502% | 2,258 |
| Efficiency ratio | 67.4312% | 2,064 |
| Assets per employee ($millions) | 6.4146% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 1,395 |
| Loan loss allowance to noncurrent loans | 134.4213% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 818 |
| Noncurrent loans to loans | 1.1516% | 836 |
| Net loans and leases to total assets | 64.0497% | 1,695 |
| Net loans and leases to deposits | 74.1098% | 1,714 |
| Net loans and leases to core deposits | 75.0750% | 1,994 |
| Total domestic deposits to total assets | 86.4254% | 2,748 |
| Equity capital to assets | 10.5127% | 2,167 |
| Core capital (leverage) ratio | 9.5674% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1482% | 1,795 |
| Memoranda: | ||
| Average total assets | $1,005,003,600 | 955 |
| Average earning assets | $951,657,400 | 942 |
| Average equity | $99,472,600 | 1,014 |
| Average total loans | $670,912,800 | 911 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 2,842 |
| Cost of funding earning assets | 0.2058% | 3,550 |
| Net interest margin | 3.2935% | 2,435 |
| Noninterest income to average assets | 0.9928% | 1,081 |
| Noninterest expense to average assets | 2.6518% | 1,704 |
| Loan and lease loss provision to assets | 0.0673% | 1,658 |
| Net operating income to assets | 1.1051% | 2,540 |
| Return on assets (ROA) | 1.1071% | 2,583 |
| Pretax return on assets | 1.3921% | 2,371 |
| Return on Equity (ROE) | 11.3568% | 2,258 |
| Retained earnings to average equity (ytd only) | 11.3568% | 984 |
| Net charge-offs to loans | 0.2313% | 355 |
| Credit loss provision to net charge-offs | 43.2937% | 1,895 |
| Earnings coverage of net charge-offs (x) | 9.3769% | 2,079 |
| Efficiency ratio | 64.0440% | 2,380 |
| Assets per employee ($millions) | 6.4818% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,387 |
| Loan loss allowance to noncurrent loans | 121.8105% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 853 |
| Noncurrent loans to loans | 1.2984% | 833 |
| Net loans and leases to total assets | 62.5059% | 1,947 |
| Net loans and leases to deposits | 73.8901% | 1,866 |
| Net loans and leases to core deposits | 74.8545% | 2,159 |
| Total domestic deposits to total assets | 84.5931% | 3,265 |
| Equity capital to assets | 10.1573% | 2,753 |
| Core capital (leverage) ratio | 9.4720% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0781% | 1,944 |
| Memoranda: | ||
| Average total assets | $1,010,894,500 | 969 |
| Average earning assets | $956,415,250 | 952 |
| Average equity | $98,546,750 | 1,040 |
| Average total loans | $679,017,750 | 922 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 2,924 |
| Cost of funding earning assets | 0.2106% | 3,647 |
| Net interest margin | 3.2765% | 2,530 |
| Noninterest income to average assets | 0.9937% | 1,083 |
| Noninterest expense to average assets | 2.5995% | 1,855 |
| Loan and lease loss provision to assets | 0.1007% | 1,259 |
| Net operating income to assets | 1.0742% | 2,630 |
| Return on assets (ROA) | 1.0774% | 2,687 |
| Pretax return on assets | 1.3967% | 2,351 |
| Return on Equity (ROE) | 11.2077% | 2,341 |
| Retained earnings to average equity (ytd only) | 11.2077% | 1,078 |
| Net charge-offs to loans | 0.3436% | 252 |
| Credit loss provision to net charge-offs | 42.8571% | 1,646 |
| Earnings coverage of net charge-offs (x) | 6.3555% | 1,962 |
| Efficiency ratio | 63.0132% | 2,571 |
| Assets per employee ($millions) | 6.5281% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,451 |
| Loan loss allowance to noncurrent loans | 154.3408% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 1,276 |
| Noncurrent loans to loans | 0.9985% | 1,235 |
| Net loans and leases to total assets | 64.0596% | 1,939 |
| Net loans and leases to deposits | 76.1193% | 1,808 |
| Net loans and leases to core deposits | 77.1962% | 2,119 |
| Total domestic deposits to total assets | 84.1569% | 3,379 |
| Equity capital to assets | 9.8997% | 2,943 |
| Core capital (leverage) ratio | 9.0345% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9006% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,012,965,333 | 957 |
| Average earning assets | $958,102,667 | 940 |
| Average equity | $97,379,333 | 1,044 |
| Average total loans | $692,664,333 | 909 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 2,590 |
| Cost of funding earning assets | 0.2133% | 3,795 |
| Net interest margin | 3.4039% | 2,101 |
| Noninterest income to average assets | 0.9642% | 1,200 |
| Noninterest expense to average assets | 2.5366% | 2,069 |
| Loan and lease loss provision to assets | 0.1003% | 1,344 |
| Net operating income to assets | 1.1847% | 2,212 |
| Return on assets (ROA) | 1.1928% | 2,247 |
| Pretax return on assets | 1.5523% | 1,850 |
| Return on Equity (ROE) | 12.5931% | 1,796 |
| Retained earnings to average equity (ytd only) | 12.5931% | 1,005 |
| Net charge-offs to loans | 0.5101% | 163 |
| Credit loss provision to net charge-offs | 28.0837% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.5980% | 1,723 |
| Efficiency ratio | 60.2184% | 3,006 |
| Assets per employee ($millions) | 6.5439% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,758 |
| Loan loss allowance to noncurrent loans | 165.3362% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 1,600 |
| Noncurrent loans to loans | 0.8792% | 1,536 |
| Net loans and leases to total assets | 66.6937% | 1,703 |
| Net loans and leases to deposits | 78.4955% | 1,670 |
| Net loans and leases to core deposits | 79.6458% | 2,037 |
| Total domestic deposits to total assets | 84.9650% | 3,110 |
| Equity capital to assets | 9.4328% | 3,260 |
| Core capital (leverage) ratio | 8.9640% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0709% | 2,262 |
| Memoranda: | ||
| Average total assets | $1,016,785,500 | 941 |
| Average earning assets | $960,324,000 | 927 |
| Average equity | $96,307,000 | 1,040 |
| Average total loans | $711,953,000 | 885 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,318 |
| Cost of funding earning assets | 0.4605% | 3,216 |
| Net interest margin | 3.6769% | 1,882 |
| Noninterest income to average assets | 1.1125% | 859 |
| Noninterest expense to average assets | 2.9106% | 1,655 |
| Loan and lease loss provision to assets | 0.3326% | 1,074 |
| Net operating income to assets | 1.0128% | 2,251 |
| Return on assets (ROA) | 1.0126% | 2,391 |
| Pretax return on assets | 1.3110% | 1,936 |
| Return on Equity (ROE) | 10.1880% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.8231% | 815 |
| Net charge-offs to loans | 0.0127% | 2,880 |
| Credit loss provision to net charge-offs | 3,244.6809% | 305 |
| Earnings coverage of net charge-offs (x) | 160.3830% | 547 |
| Efficiency ratio | 63.4098% | 2,910 |
| Assets per employee ($millions) | 6.4088% | 1,990 |
| Cash dividends to net income (ytd only)* | 13.3965% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,666 |
| Loan loss allowance to noncurrent loans | 95.3985% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 808 |
| Noncurrent loans to loans | 1.5480% | 856 |
| Net loans and leases to total assets | 71.3425% | 1,385 |
| Net loans and leases to deposits | 84.5830% | 1,402 |
| Net loans and leases to core deposits | 85.8491% | 1,882 |
| Total domestic deposits to total assets | 84.3461% | 3,001 |
| Equity capital to assets | 9.5115% | 3,597 |
| Core capital (leverage) ratio | 9.1705% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0868% | 2,597 |
| Memoranda: | ||
| Average total assets | $917,072,800 | 953 |
| Average earning assets | $858,499,400 | 940 |
| Average equity | $91,146,800 | 1,046 |
| Average total loans | $737,760,000 | 841 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,243 |
| Cost of funding earning assets | 0.5296% | 3,050 |
| Net interest margin | 3.7236% | 1,865 |
| Noninterest income to average assets | 1.1207% | 833 |
| Noninterest expense to average assets | 2.9359% | 1,599 |
| Loan and lease loss provision to assets | 0.4098% | 841 |
| Net operating income to assets | 0.9669% | 2,463 |
| Return on assets (ROA) | 0.9645% | 2,605 |
| Pretax return on assets | 1.2485% | 2,231 |
| Return on Equity (ROE) | 9.5886% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5886% | 850 |
| Net charge-offs to loans | 0.0115% | 2,691 |
| Credit loss provision to net charge-offs | 4,296.8750% | 260 |
| Earnings coverage of net charge-offs (x) | 174.2031% | 538 |
| Efficiency ratio | 63.3606% | 2,853 |
| Assets per employee ($millions) | 5.9337% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 1,814 |
| Loan loss allowance to noncurrent loans | 149.7716% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 1,513 |
| Noncurrent loans to loans | 0.9221% | 1,617 |
| Net loans and leases to total assets | 80.4106% | 574 |
| Net loans and leases to deposits | 95.1436% | 831 |
| Net loans and leases to core deposits | 96.2668% | 1,434 |
| Total domestic deposits to total assets | 84.5149% | 2,625 |
| Equity capital to assets | 10.0728% | 3,162 |
| Core capital (leverage) ratio | 9.1136% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7804% | 2,692 |
| Memoranda: | ||
| Average total assets | $894,794,500 | 955 |
| Average earning assets | $835,403,750 | 947 |
| Average equity | $90,007,750 | 1,048 |
| Average total loans | $740,050,500 | 835 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,279 |
| Cost of funding earning assets | 0.6162% | 2,885 |
| Net interest margin | 3.7549% | 1,973 |
| Noninterest income to average assets | 1.1009% | 819 |
| Noninterest expense to average assets | 2.9613% | 1,683 |
| Loan and lease loss provision to assets | 0.3286% | 1,300 |
| Net operating income to assets | 1.0146% | 2,269 |
| Return on assets (ROA) | 1.0112% | 2,407 |
| Pretax return on assets | 1.3155% | 1,981 |
| Return on Equity (ROE) | 10.0574% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.0574% | 778 |
| Net charge-offs to loans | -0.0011% | 3,760 |
| Credit loss provision to net charge-offs | -36,250.0000% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7284% | 2,859 |
| Assets per employee ($millions) | 5.9229% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,485 |
| Loan loss allowance to noncurrent loans | 202.0515% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 2,313 |
| Noncurrent loans to loans | 0.5969% | 2,360 |
| Net loans and leases to total assets | 80.5347% | 532 |
| Net loans and leases to deposits | 96.5895% | 750 |
| Net loans and leases to core deposits | 98.0189% | 1,410 |
| Total domestic deposits to total assets | 83.3783% | 2,966 |
| Equity capital to assets | 9.7484% | 3,425 |
| Core capital (leverage) ratio | 8.8982% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7335% | 2,721 |
| Memoranda: | ||
| Average total assets | $882,527,667 | 953 |
| Average earning assets | $824,684,333 | 943 |
| Average equity | $88,731,000 | 1,047 |
| Average total loans | $733,537,000 | 823 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 2,219 |
| Cost of funding earning assets | 0.7735% | 2,525 |
| Net interest margin | 3.7585% | 2,114 |
| Noninterest income to average assets | 1.1527% | 656 |
| Noninterest expense to average assets | 3.0141% | 1,858 |
| Loan and lease loss provision to assets | 0.1055% | 2,367 |
| Net operating income to assets | 1.1767% | 1,594 |
| Return on assets (ROA) | 1.1663% | 1,748 |
| Pretax return on assets | 1.5246% | 1,246 |
| Return on Equity (ROE) | 11.4090% | 1,288 |
| Retained earnings to average equity (ytd only) | 11.4090% | 501 |
| Net charge-offs to loans | 0.0134% | 2,119 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 441 |
| Efficiency ratio | 64.1929% | 3,205 |
| Assets per employee ($millions) | 5.3285% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,085 |
| Loan loss allowance to noncurrent loans | 197.2893% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 2,506 |
| Noncurrent loans to loans | 0.5684% | 2,573 |
| Net loans and leases to total assets | 82.8007% | 370 |
| Net loans and leases to deposits | 101.0017% | 493 |
| Net loans and leases to core deposits | 102.7857% | 1,259 |
| Total domestic deposits to total assets | 81.9796% | 3,426 |
| Equity capital to assets | 10.3934% | 3,426 |
| Core capital (leverage) ratio | 9.4792% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8571% | 3,142 |
| Memoranda: | ||
| Average total assets | $852,924,500 | 957 |
| Average earning assets | $795,307,000 | 950 |
| Average equity | $87,194,500 | 1,058 |
| Average total loans | $716,465,000 | 821 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,762 |
| Cost of funding earning assets | 0.9844% | 1,791 |
| Net interest margin | 3.5709% | 3,224 |
| Noninterest income to average assets | 1.0231% | 925 |
| Noninterest expense to average assets | 3.1438% | 1,661 |
| Loan and lease loss provision to assets | 0.0947% | 2,142 |
| Net operating income to assets | 0.8639% | 3,347 |
| Return on assets (ROA) | 0.8666% | 3,420 |
| Pretax return on assets | 1.1363% | 3,051 |
| Return on Equity (ROE) | 8.7455% | 2,859 |
| Retained earnings to average equity (ytd only) | 4.9085% | 2,471 |
| Net charge-offs to loans | 0.1025% | 1,701 |
| Credit loss provision to net charge-offs | 113.4752% | 2,218 |
| Earnings coverage of net charge-offs (x) | 14.7092% | 2,269 |
| Efficiency ratio | 71.5907% | 1,930 |
| Assets per employee ($millions) | 5.0744% | 2,485 |
| Cash dividends to net income (ytd only)* | 43.8738% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,584 |
| Loan loss allowance to noncurrent loans | 174.8446% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,190 |
| Noncurrent loans to loans | 0.6701% | 2,212 |
| Net loans and leases to total assets | 83.4948% | 372 |
| Net loans and leases to deposits | 100.7188% | 548 |
| Net loans and leases to core deposits | 103.1285% | 1,299 |
| Total domestic deposits to total assets | 82.8989% | 3,232 |
| Equity capital to assets | 10.0956% | 3,838 |
| Core capital (leverage) ratio | 9.4417% | 4,121 |
| Tier 1 risk-based capital ratio | 10.5192% | 5,019 |
| Total risk-based capital ratio | 11.6621% | 4,979 |
| Memoranda: | ||
| Average total assets | $844,785,200 | 933 |
| Average earning assets | $792,090,400 | 915 |
| Average equity | $83,711,800 | 1,048 |
| Average total loans | $687,781,000 | 819 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 2,857 |
| Cost of funding earning assets | 1.0439% | 1,563 |
| Net interest margin | 3.5163% | 3,519 |
| Noninterest income to average assets | 0.9725% | 995 |
| Noninterest expense to average assets | 3.1290% | 1,641 |
| Loan and lease loss provision to assets | 0.0830% | 2,246 |
| Net operating income to assets | 0.8101% | 3,645 |
| Return on assets (ROA) | 0.8128% | 3,718 |
| Pretax return on assets | 1.0616% | 3,405 |
| Return on Equity (ROE) | 8.2414% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,707 |
| Net charge-offs to loans | -0.1091% | 5,005 |
| Credit loss provision to net charge-offs | -94.4245% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2728% | 1,662 |
| Assets per employee ($millions) | 4.8111% | 2,775 |
| Cash dividends to net income (ytd only)* | 35.0331% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,679 |
| Loan loss allowance to noncurrent loans | 446.2121% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 3,561 |
| Noncurrent loans to loans | 0.3074% | 3,428 |
| Net loans and leases to total assets | 80.4802% | 782 |
| Net loans and leases to deposits | 97.6106% | 861 |
| Net loans and leases to core deposits | 99.7797% | 1,677 |
| Total domestic deposits to total assets | 82.4503% | 3,335 |
| Equity capital to assets | 10.1615% | 3,860 |
| Core capital (leverage) ratio | 9.6442% | 4,032 |
| Tier 1 risk-based capital ratio | 11.6658% | 4,585 |
| Total risk-based capital ratio | 12.9170% | 4,493 |
| Memoranda: | ||
| Average total assets | $842,856,250 | 936 |
| Average earning assets | $790,463,000 | 914 |
| Average equity | $83,123,500 | 1,047 |
| Average total loans | $679,668,250 | 830 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 3,033 |
| Cost of funding earning assets | 1.0575% | 1,463 |
| Net interest margin | 3.4368% | 3,780 |
| Noninterest income to average assets | 0.8807% | 1,119 |
| Noninterest expense to average assets | 3.0601% | 1,838 |
| Loan and lease loss provision to assets | 0.1067% | 1,757 |
| Net operating income to assets | 0.7282% | 3,903 |
| Return on assets (ROA) | 0.7325% | 3,949 |
| Pretax return on assets | 0.9531% | 3,700 |
| Return on Equity (ROE) | 7.5030% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.5030% | 1,593 |
| Net charge-offs to loans | -0.1612% | 5,096 |
| Credit loss provision to net charge-offs | -82.4176% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3745% | 1,597 |
| Assets per employee ($millions) | 4.8604% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,741 |
| Loan loss allowance to noncurrent loans | 451.8142% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,614 |
| Noncurrent loans to loans | 0.3031% | 3,461 |
| Net loans and leases to total assets | 77.3219% | 1,343 |
| Net loans and leases to deposits | 91.4684% | 1,563 |
| Net loans and leases to core deposits | 93.4854% | 2,283 |
| Total domestic deposits to total assets | 84.5340% | 2,672 |
| Equity capital to assets | 9.7499% | 4,193 |
| Core capital (leverage) ratio | 9.7584% | 3,875 |
| Tier 1 risk-based capital ratio | 11.7470% | 4,544 |
| Total risk-based capital ratio | 12.9981% | 4,445 |
| Memoranda: | ||
| Average total assets | $843,161,330 | 927 |
| Average earning assets | $793,346,000 | 910 |
| Average equity | $82,313,330 | 1,052 |
| Average total loans | $677,217,670 | 832 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 2,772 |
| Cost of funding earning assets | 1.0807% | 1,252 |
| Net interest margin | 3.4486% | 3,754 |
| Noninterest income to average assets | 0.8480% | 1,170 |
| Noninterest expense to average assets | 2.9677% | 2,082 |
| Loan and lease loss provision to assets | 0.1085% | 1,640 |
| Net operating income to assets | 0.7818% | 3,680 |
| Return on assets (ROA) | 0.7901% | 3,706 |
| Pretax return on assets | 1.0297% | 3,346 |
| Return on Equity (ROE) | 8.0881% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.0881% | 1,622 |
| Net charge-offs to loans | 0.1055% | 1,105 |
| Credit loss provision to net charge-offs | 126.4045% | 1,376 |
| Earnings coverage of net charge-offs (x) | 13.1404% | 1,845 |
| Efficiency ratio | 72.4662% | 1,966 |
| Assets per employee ($millions) | 5.2173% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,383 |
| Loan loss allowance to noncurrent loans | 453.0238% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 3,727 |
| Noncurrent loans to loans | 0.2736% | 3,585 |
| Net loans and leases to total assets | 80.5827% | 772 |
| Net loans and leases to deposits | 95.4658% | 1,019 |
| Net loans and leases to core deposits | 99.3535% | 1,678 |
| Total domestic deposits to total assets | 84.4100% | 2,896 |
| Equity capital to assets | 9.9473% | 3,875 |
| Core capital (leverage) ratio | 9.6580% | 3,963 |
| Tier 1 risk-based capital ratio | 11.3482% | 4,808 |
| Total risk-based capital ratio | 12.5425% | 4,754 |
| Memoranda: | ||
| Average total assets | $829,735,500 | 948 |
| Average earning assets | $781,310,000 | 926 |
| Average equity | $81,057,500 | 1,061 |
| Average total loans | $674,801,500 | 839 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,783 |
| Cost of funding earning assets | 0.8802% | 1,175 |
| Net interest margin | 3.5138% | 3,660 |
| Noninterest income to average assets | 1.0624% | 827 |
| Noninterest expense to average assets | 2.8036% | 2,681 |
| Loan and lease loss provision to assets | 0.1087% | 2,024 |
| Net operating income to assets | 1.0945% | 2,622 |
| Return on assets (ROA) | 1.0914% | 2,631 |
| Pretax return on assets | 1.4597% | 1,915 |
| Return on Equity (ROE) | 11.8260% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.9546% | 625 |
| Net charge-offs to loans | 0.0033% | 3,621 |
| Credit loss provision to net charge-offs | 4,090.9091% | 122 |
| Earnings coverage of net charge-offs (x) | 591.8182% | 183 |
| Efficiency ratio | 64.0679% | 3,183 |
| Assets per employee ($millions) | 5.2862% | 2,163 |
| Cash dividends to net income (ytd only)* | 15.8238% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,353 |
| Loan loss allowance to noncurrent loans | 612.1056% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,993 |
| Noncurrent loans to loans | 0.2026% | 3,857 |
| Net loans and leases to total assets | 80.0554% | 936 |
| Net loans and leases to deposits | 98.5638% | 846 |
| Net loans and leases to core deposits | 102.5366% | 1,541 |
| Total domestic deposits to total assets | 81.2219% | 3,837 |
| Equity capital to assets | 9.5910% | 4,055 |
| Core capital (leverage) ratio | 9.4743% | 4,145 |
| Tier 1 risk-based capital ratio | 11.3001% | 4,812 |
| Total risk-based capital ratio | 12.5076% | 4,749 |
| Memoranda: | ||
| Average total assets | $828,028,000 | 925 |
| Average earning assets | $780,856,600 | 901 |
| Average equity | $76,416,600 | 1,071 |
| Average total loans | $668,796,800 | 822 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,777 |
| Cost of funding earning assets | 0.8221% | 1,232 |
| Net interest margin | 3.5321% | 3,587 |
| Noninterest income to average assets | 1.1191% | 750 |
| Noninterest expense to average assets | 2.8213% | 2,567 |
| Loan and lease loss provision to assets | 0.0363% | 3,280 |
| Net operating income to assets | 1.2104% | 2,202 |
| Return on assets (ROA) | 1.2092% | 2,208 |
| Pretax return on assets | 1.5936% | 1,600 |
| Return on Equity (ROE) | 13.2323% | 1,348 |
| Retained earnings to average equity (ytd only) | 13.2323% | 334 |
| Net charge-offs to loans | -0.0096% | 4,379 |
| Credit loss provision to net charge-offs | -468.7500% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3607% | 3,283 |
| Assets per employee ($millions) | 5.1519% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,833 |
| Loan loss allowance to noncurrent loans | 607.8555% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 3,947 |
| Noncurrent loans to loans | 0.1913% | 4,025 |
| Net loans and leases to total assets | 79.8038% | 1,048 |
| Net loans and leases to deposits | 101.8240% | 659 |
| Net loans and leases to core deposits | 107.3810% | 1,206 |
| Total domestic deposits to total assets | 78.3742% | 4,423 |
| Equity capital to assets | 9.5301% | 4,047 |
| Core capital (leverage) ratio | 9.5285% | 4,140 |
| Tier 1 risk-based capital ratio | 11.2500% | 4,926 |
| Total risk-based capital ratio | 12.3665% | 4,880 |
| Memoranda: | ||
| Average total assets | $827,553,000 | 923 |
| Average earning assets | $781,046,500 | 897 |
| Average equity | $75,621,250 | 1,078 |
| Average total loans | $667,809,750 | 825 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,731 |
| Cost of funding earning assets | 0.7666% | 1,301 |
| Net interest margin | 3.5423% | 3,496 |
| Noninterest income to average assets | 1.2073% | 663 |
| Noninterest expense to average assets | 2.8082% | 2,637 |
| Loan and lease loss provision to assets | 0.0362% | 3,187 |
| Net operating income to assets | 1.3002% | 1,774 |
| Return on assets (ROA) | 1.3009% | 1,764 |
| Pretax return on assets | 1.7154% | 1,181 |
| Return on Equity (ROE) | 14.4421% | 973 |
| Retained earnings to average equity (ytd only) | 14.4421% | 240 |
| Net charge-offs to loans | -0.0359% | 4,802 |
| Credit loss provision to net charge-offs | -125.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6000% | 3,681 |
| Assets per employee ($millions) | 5.2802% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,938 |
| Loan loss allowance to noncurrent loans | 515.3231% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 4,072 |
| Noncurrent loans to loans | 0.2248% | 3,913 |
| Net loans and leases to total assets | 79.5943% | 1,082 |
| Net loans and leases to deposits | 99.1641% | 871 |
| Net loans and leases to core deposits | 123.6746% | 471 |
| Total domestic deposits to total assets | 80.2652% | 4,183 |
| Equity capital to assets | 9.2864% | 4,301 |
| Core capital (leverage) ratio | 9.2717% | 4,390 |
| Tier 1 risk-based capital ratio | 10.9703% | 5,066 |
| Total risk-based capital ratio | 12.0920% | 5,025 |
| Memoranda: | ||
| Average total assets | $828,634,670 | 920 |
| Average earning assets | $784,008,000 | 896 |
| Average equity | $74,642,670 | 1,094 |
| Average total loans | $668,557,330 | 823 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 3,021 |
| Cost of funding earning assets | 0.7099% | 1,387 |
| Net interest margin | 3.4518% | 3,698 |
| Noninterest income to average assets | 1.0077% | 899 |
| Noninterest expense to average assets | 2.7951% | 2,703 |
| Loan and lease loss provision to assets | 0.0362% | 3,019 |
| Net operating income to assets | 1.1008% | 2,414 |
| Return on assets (ROA) | 1.1008% | 2,429 |
| Pretax return on assets | 1.4422% | 1,857 |
| Return on Equity (ROE) | 12.4129% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.4129% | 612 |
| Net charge-offs to loans | -0.4000% | 5,481 |
| Credit loss provision to net charge-offs | -11.2108% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4050% | 3,266 |
| Assets per employee ($millions) | 5.1132% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,676 |
| Loan loss allowance to noncurrent loans | 150.1006% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 2,160 |
| Noncurrent loans to loans | 0.8137% | 2,187 |
| Net loans and leases to total assets | 80.6439% | 846 |
| Net loans and leases to deposits | 95.8103% | 1,056 |
| Net loans and leases to core deposits | 118.6235% | 628 |
| Total domestic deposits to total assets | 84.1703% | 3,259 |
| Equity capital to assets | 8.9803% | 4,579 |
| Core capital (leverage) ratio | 8.8565% | 4,845 |
| Tier 1 risk-based capital ratio | 10.4575% | 5,360 |
| Total risk-based capital ratio | 11.6403% | 5,307 |
| Memoranda: | ||
| Average total assets | $828,452,500 | 924 |
| Average earning assets | $783,824,500 | 898 |
| Average equity | $73,472,000 | 1,118 |
| Average total loans | $669,050,500 | 822 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 3,070 |
| Cost of funding earning assets | 0.5753% | 1,774 |
| Net interest margin | 3.5212% | 3,462 |
| Noninterest income to average assets | 0.7420% | 1,799 |
| Noninterest expense to average assets | 2.9158% | 2,399 |
| Loan and lease loss provision to assets | 0.0377% | 3,511 |
| Net operating income to assets | 0.7459% | 3,407 |
| Return on assets (ROA) | 0.7514% | 3,425 |
| Pretax return on assets | 1.1037% | 3,173 |
| Return on Equity (ROE) | 8.2441% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.0342% | 2,106 |
| Net charge-offs to loans | 0.0732% | 2,402 |
| Credit loss provision to net charge-offs | 65.3595% | 3,161 |
| Earnings coverage of net charge-offs (x) | 19.6318% | 2,013 |
| Efficiency ratio | 71.9815% | 2,229 |
| Assets per employee ($millions) | 5.1781% | 2,277 |
| Cash dividends to net income (ytd only)* | 38.9354% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,240 |
| Loan loss allowance to noncurrent loans | 130.9879% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 2,119 |
| Noncurrent loans to loans | 0.8557% | 2,085 |
| Net loans and leases to total assets | 78.9927% | 1,121 |
| Net loans and leases to deposits | 94.0683% | 1,265 |
| Net loans and leases to core deposits | 118.7320% | 625 |
| Total domestic deposits to total assets | 83.9738% | 3,220 |
| Equity capital to assets | 8.7582% | 4,920 |
| Core capital (leverage) ratio | 8.6124% | 5,032 |
| Tier 1 risk-based capital ratio | 10.2117% | 5,476 |
| Total risk-based capital ratio | 11.2903% | 5,463 |
| Memoranda: | ||
| Average total assets | $795,051,000 | 936 |
| Average earning assets | $746,737,800 | 922 |
| Average equity | $72,464,200 | 1,097 |
| Average total loans | $627,102,400 | 837 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,248 |
| Cost of funding earning assets | 0.5530% | 1,872 |
| Net interest margin | 3.4772% | 3,580 |
| Noninterest income to average assets | 0.8313% | 1,472 |
| Noninterest expense to average assets | 2.7602% | 2,860 |
| Loan and lease loss provision to assets | 0.0382% | 3,341 |
| Net operating income to assets | 0.8525% | 3,262 |
| Return on assets (ROA) | 0.8585% | 3,284 |
| Pretax return on assets | 1.3021% | 2,480 |
| Return on Equity (ROE) | 9.3223% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.3223% | 753 |
| Net charge-offs to loans | 0.0391% | 2,656 |
| Credit loss provision to net charge-offs | 124.3094% | 1,952 |
| Earnings coverage of net charge-offs (x) | 43.3255% | 1,230 |
| Efficiency ratio | 67.4246% | 2,978 |
| Assets per employee ($millions) | 5.0629% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,970 |
| Loan loss allowance to noncurrent loans | 93.2620% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 1,504 |
| Noncurrent loans to loans | 1.2786% | 1,499 |
| Net loans and leases to total assets | 80.4472% | 921 |
| Net loans and leases to deposits | 96.7414% | 1,037 |
| Net loans and leases to core deposits | 114.8657% | 791 |
| Total domestic deposits to total assets | 83.1569% | 3,406 |
| Equity capital to assets | 9.5108% | 4,436 |
| Core capital (leverage) ratio | 9.1441% | 4,579 |
| Tier 1 risk-based capital ratio | 10.4404% | 5,470 |
| Total risk-based capital ratio | 11.5502% | 5,456 |
| Memoranda: | ||
| Average total assets | $785,395,500 | 954 |
| Average earning assets | $736,364,000 | 939 |
| Average equity | $72,326,500 | 1,107 |
| Average total loans | $617,376,500 | 852 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,289 |
| Cost of funding earning assets | 0.5175% | 2,033 |
| Net interest margin | 3.4613% | 3,539 |
| Noninterest income to average assets | 0.8345% | 1,454 |
| Noninterest expense to average assets | 2.7508% | 2,927 |
| Loan and lease loss provision to assets | 0.0383% | 3,248 |
| Net operating income to assets | 0.8504% | 3,152 |
| Return on assets (ROA) | 0.8649% | 3,155 |
| Pretax return on assets | 1.3131% | 2,338 |
| Return on Equity (ROE) | 9.4963% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.4963% | 710 |
| Net charge-offs to loans | -0.0062% | 4,390 |
| Credit loss provision to net charge-offs | -789.4737% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3607% | 3,120 |
| Assets per employee ($millions) | 5.0686% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,687 |
| Loan loss allowance to noncurrent loans | 126.2842% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,130 |
| Noncurrent loans to loans | 0.9901% | 1,986 |
| Net loans and leases to total assets | 76.8536% | 1,404 |
| Net loans and leases to deposits | 92.0364% | 1,485 |
| Net loans and leases to core deposits | 114.0381% | 799 |
| Total domestic deposits to total assets | 83.5036% | 3,402 |
| Equity capital to assets | 9.1745% | 4,739 |
| Core capital (leverage) ratio | 8.8964% | 4,847 |
| Tier 1 risk-based capital ratio | 10.5220% | 5,447 |
| Total risk-based capital ratio | 11.6848% | 5,412 |
| Memoranda: | ||
| Average total assets | $783,922,330 | 960 |
| Average earning assets | $735,105,670 | 946 |
| Average equity | $71,396,000 | 1,119 |
| Average total loans | $608,818,000 | 869 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,248 |
| Cost of funding earning assets | 0.4854% | 2,207 |
| Net interest margin | 3.4532% | 3,438 |
| Noninterest income to average assets | 0.8300% | 1,456 |
| Noninterest expense to average assets | 2.7622% | 2,914 |
| Loan and lease loss provision to assets | 0.0387% | 3,026 |
| Net operating income to assets | 0.8300% | 3,079 |
| Return on assets (ROA) | 0.8300% | 3,137 |
| Pretax return on assets | 1.2586% | 2,388 |
| Return on Equity (ROE) | 9.1476% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.1476% | 1,032 |
| Net charge-offs to loans | -0.0226% | 4,806 |
| Credit loss provision to net charge-offs | -220.5882% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9797% | 3,201 |
| Assets per employee ($millions) | 5.0483% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,812 |
| Loan loss allowance to noncurrent loans | 118.8595% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 2,072 |
| Noncurrent loans to loans | 1.0535% | 1,949 |
| Net loans and leases to total assets | 77.9339% | 1,144 |
| Net loans and leases to deposits | 92.7300% | 1,250 |
| Net loans and leases to core deposits | 109.5996% | 891 |
| Total domestic deposits to total assets | 84.0440% | 3,462 |
| Equity capital to assets | 9.1127% | 4,700 |
| Core capital (leverage) ratio | 8.9352% | 4,811 |
| Tier 1 risk-based capital ratio | 10.1829% | 5,654 |
| Total risk-based capital ratio | 11.3285% | 5,633 |
| Memoranda: | ||
| Average total assets | $775,464,000 | 969 |
| Average earning assets | $725,234,500 | 955 |
| Average equity | $70,357,500 | 1,129 |
| Average total loans | $601,593,500 | 877 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,194 |
| Cost of funding earning assets | 0.3771% | 3,237 |
| Net interest margin | 3.6246% | 2,984 |
| Noninterest income to average assets | 0.9566% | 1,245 |
| Noninterest expense to average assets | 3.0120% | 2,317 |
| Loan and lease loss provision to assets | 0.0981% | 2,412 |
| Net operating income to assets | 0.8282% | 3,170 |
| Return on assets (ROA) | 0.8308% | 3,263 |
| Pretax return on assets | 1.2507% | 2,470 |
| Return on Equity (ROE) | 8.8864% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.6809% | 1,896 |
| Net charge-offs to loans | 0.0697% | 2,700 |
| Credit loss provision to net charge-offs | 177.3399% | 1,578 |
| Earnings coverage of net charge-offs (x) | 24.3177% | 1,642 |
| Efficiency ratio | 69.0668% | 3,063 |
| Assets per employee ($millions) | 4.8636% | 2,556 |
| Cash dividends to net income (ytd only)* | 36.0715% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,532 |
| Loan loss allowance to noncurrent loans | 88.6615% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,462 |
| Noncurrent loans to loans | 1.4683% | 1,376 |
| Net loans and leases to total assets | 75.2181% | 1,653 |
| Net loans and leases to deposits | 91.5901% | 1,502 |
| Net loans and leases to core deposits | 106.2976% | 1,112 |
| Total domestic deposits to total assets | 82.1247% | 4,041 |
| Equity capital to assets | 9.0324% | 4,779 |
| Core capital (leverage) ratio | 8.8608% | 4,898 |
| Tier 1 risk-based capital ratio | 10.3814% | 5,621 |
| Total risk-based capital ratio | 11.5609% | 5,593 |
| Memoranda: | ||
| Average total assets | $734,141,000 | 979 |
| Average earning assets | $688,679,800 | 967 |
| Average equity | $68,633,200 | 1,142 |
| Average total loans | $582,904,200 | 853 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,214 |
| Cost of funding earning assets | 0.3633% | 3,404 |
| Net interest margin | 3.6429% | 2,918 |
| Noninterest income to average assets | 0.9192% | 1,348 |
| Noninterest expense to average assets | 3.1171% | 1,987 |
| Loan and lease loss provision to assets | 0.1323% | 1,774 |
| Net operating income to assets | 0.7333% | 3,680 |
| Return on assets (ROA) | 0.7358% | 3,801 |
| Pretax return on assets | 1.0991% | 3,237 |
| Return on Equity (ROE) | 7.8004% | 3,118 |
| Retained earnings to average equity (ytd only) | 5.4626% | 2,509 |
| Net charge-offs to loans | -0.0137% | 4,885 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6799% | 2,620 |
| Assets per employee ($millions) | 4.8537% | 2,558 |
| Cash dividends to net income (ytd only)* | 29.9700% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,396 |
| Loan loss allowance to noncurrent loans | 83.4021% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 1,320 |
| Noncurrent loans to loans | 1.6285% | 1,317 |
| Net loans and leases to total assets | 78.6073% | 1,098 |
| Net loans and leases to deposits | 99.6927% | 722 |
| Net loans and leases to core deposits | 116.6443% | 632 |
| Total domestic deposits to total assets | 78.8496% | 4,753 |
| Equity capital to assets | 9.3623% | 4,801 |
| Core capital (leverage) ratio | 9.0905% | 4,727 |
| Tier 1 risk-based capital ratio | 10.5030% | 5,619 |
| Total risk-based capital ratio | 11.7534% | 5,536 |
| Memoranda: | ||
| Average total assets | $725,566,000 | 992 |
| Average earning assets | $682,291,000 | 976 |
| Average equity | $68,439,250 | 1,151 |
| Average total loans | $582,222,500 | 853 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,165 |
| Cost of funding earning assets | 0.3555% | 3,503 |
| Net interest margin | 3.6688% | 2,829 |
| Noninterest income to average assets | 0.8980% | 1,381 |
| Noninterest expense to average assets | 3.1303% | 1,978 |
| Loan and lease loss provision to assets | 0.1337% | 1,710 |
| Net operating income to assets | 0.7294% | 3,656 |
| Return on assets (ROA) | 0.7332% | 3,801 |
| Pretax return on assets | 1.0937% | 3,222 |
| Return on Equity (ROE) | 7.7526% | 3,115 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,225 |
| Net charge-offs to loans | -0.0163% | 4,867 |
| Credit loss provision to net charge-offs | -1,021.2766% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8618% | 2,680 |
| Assets per employee ($millions) | 4.7580% | 2,615 |
| Cash dividends to net income (ytd only)* | 45.5754% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,572 |
| Loan loss allowance to noncurrent loans | 131.8251% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 2,273 |
| Noncurrent loans to loans | 1.0162% | 2,255 |
| Net loans and leases to total assets | 79.2837% | 1,021 |
| Net loans and leases to deposits | 101.4257% | 603 |
| Net loans and leases to core deposits | 119.4565% | 530 |
| Total domestic deposits to total assets | 78.1692% | 4,970 |
| Equity capital to assets | 9.4484% | 4,819 |
| Core capital (leverage) ratio | 9.0229% | 4,800 |
| Tier 1 risk-based capital ratio | 10.2941% | 5,763 |
| Total risk-based capital ratio | 11.5424% | 5,681 |
| Memoranda: | ||
| Average total assets | $718,266,000 | 1,002 |
| Average earning assets | $676,242,000 | 991 |
| Average equity | $67,925,670 | 1,159 |
| Average total loans | $577,745,670 | 860 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,149 |
| Cost of funding earning assets | 0.3445% | 3,665 |
| Net interest margin | 3.6760% | 2,778 |
| Noninterest income to average assets | 0.8091% | 1,589 |
| Noninterest expense to average assets | 3.0591% | 2,213 |
| Loan and lease loss provision to assets | 0.1346% | 1,568 |
| Net operating income to assets | 0.7242% | 3,602 |
| Return on assets (ROA) | 0.7238% | 3,714 |
| Pretax return on assets | 1.0793% | 3,174 |
| Return on Equity (ROE) | 7.6507% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.6507% | 1,609 |
| Net charge-offs to loans | -0.0146% | 4,700 |
| Credit loss provision to net charge-offs | -1,142.8571% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5167% | 2,870 |
| Assets per employee ($millions) | 4.9650% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,793 |
| Loan loss allowance to noncurrent loans | 163.4852% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 2,757 |
| Noncurrent loans to loans | 0.8083% | 2,820 |
| Net loans and leases to total assets | 78.5315% | 1,023 |
| Net loans and leases to deposits | 96.3330% | 911 |
| Net loans and leases to core deposits | 113.5978% | 684 |
| Total domestic deposits to total assets | 81.5209% | 4,353 |
| Equity capital to assets | 9.4905% | 4,675 |
| Core capital (leverage) ratio | 9.0952% | 4,741 |
| Tier 1 risk-based capital ratio | 10.6271% | 5,694 |
| Total risk-based capital ratio | 11.8748% | 5,607 |
| Memoranda: | ||
| Average total assets | $713,410,500 | 1,007 |
| Average earning assets | $672,355,000 | 991 |
| Average equity | $67,497,500 | 1,161 |
| Average total loans | $574,116,500 | 859 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,253 |
| Cost of funding earning assets | 0.3236% | 3,982 |
| Net interest margin | 3.6927% | 2,774 |
| Noninterest income to average assets | 0.8838% | 1,488 |
| Noninterest expense to average assets | 2.9482% | 2,709 |
| Loan and lease loss provision to assets | 0.1513% | 1,560 |
| Net operating income to assets | 0.8444% | 3,138 |
| Return on assets (ROA) | 0.8569% | 3,152 |
| Pretax return on assets | 1.2799% | 2,360 |
| Return on Equity (ROE) | 9.1913% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.6367% | 1,473 |
| Net charge-offs to loans | 0.0791% | 2,684 |
| Credit loss provision to net charge-offs | 238.7387% | 1,194 |
| Earnings coverage of net charge-offs (x) | 22.2973% | 1,777 |
| Efficiency ratio | 67.5371% | 3,656 |
| Assets per employee ($millions) | 4.8418% | 2,542 |
| Cash dividends to net income (ytd only)* | 27.7935% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,064 |
| Loan loss allowance to noncurrent loans | 133.1997% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 2,396 |
| Noncurrent loans to loans | 0.9539% | 2,423 |
| Net loans and leases to total assets | 80.3490% | 791 |
| Net loans and leases to deposits | 100.5438% | 642 |
| Net loans and leases to core deposits | 118.3918% | 526 |
| Total domestic deposits to total assets | 79.9144% | 4,764 |
| Equity capital to assets | 9.4315% | 4,634 |
| Core capital (leverage) ratio | 8.9991% | 4,884 |
| Tier 1 risk-based capital ratio | 10.6997% | 5,676 |
| Total risk-based capital ratio | 11.9394% | 5,598 |
| Memoranda: | ||
| Average total assets | $700,810,400 | 991 |
| Average earning assets | $659,862,600 | 966 |
| Average equity | $65,333,800 | 1,157 |
| Average total loans | $561,082,800 | 832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,309 |
| Cost of funding earning assets | 0.3242% | 4,058 |
| Net interest margin | 3.6826% | 2,838 |
| Noninterest income to average assets | 0.8845% | 1,496 |
| Noninterest expense to average assets | 2.9336% | 2,727 |
| Loan and lease loss provision to assets | 0.1373% | 1,628 |
| Net operating income to assets | 0.8550% | 3,152 |
| Return on assets (ROA) | 0.8570% | 3,228 |
| Pretax return on assets | 1.2822% | 2,464 |
| Return on Equity (ROE) | 9.2203% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.6050% | 1,034 |
| Net charge-offs to loans | 0.0815% | 2,387 |
| Credit loss provision to net charge-offs | 211.1437% | 1,284 |
| Earnings coverage of net charge-offs (x) | 21.7857% | 1,810 |
| Efficiency ratio | 67.3723% | 3,655 |
| Assets per employee ($millions) | 4.8517% | 2,484 |
| Cash dividends to net income (ytd only)* | 6.6741% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 3,541 |
| Loan loss allowance to noncurrent loans | 122.7312% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 2,586 |
| Noncurrent loans to loans | 0.9942% | 2,501 |
| Net loans and leases to total assets | 78.6776% | 998 |
| Net loans and leases to deposits | 96.7958% | 927 |
| Net loans and leases to core deposits | 116.9838% | 555 |
| Total domestic deposits to total assets | 81.2820% | 4,400 |
| Equity capital to assets | 9.1955% | 5,118 |
| Core capital (leverage) ratio | 8.9347% | 5,074 |
| Tier 1 risk-based capital ratio | 10.7453% | 5,785 |
| Total risk-based capital ratio | 11.9526% | 5,728 |
| Memoranda: | ||
| Average total assets | $699,288,000 | 998 |
| Average earning assets | $658,071,000 | 973 |
| Average equity | $64,999,500 | 1,169 |
| Average total loans | $557,529,250 | 845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,232 |
| Cost of funding earning assets | 0.3230% | 4,120 |
| Net interest margin | 3.6899% | 2,755 |
| Noninterest income to average assets | 0.8866% | 1,483 |
| Noninterest expense to average assets | 2.9168% | 2,831 |
| Loan and lease loss provision to assets | 0.1392% | 1,571 |
| Net operating income to assets | 0.8719% | 3,035 |
| Return on assets (ROA) | 0.8750% | 3,124 |
| Pretax return on assets | 1.3065% | 2,335 |
| Return on Equity (ROE) | 9.3786% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.3786% | 810 |
| Net charge-offs to loans | 0.0694% | 2,405 |
| Credit loss provision to net charge-offs | 251.3089% | 1,046 |
| Earnings coverage of net charge-offs (x) | 26.0209% | 1,497 |
| Efficiency ratio | 66.8663% | 3,856 |
| Assets per employee ($millions) | 4.8547% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,585 |
| Loan loss allowance to noncurrent loans | 120.3343% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 2,638 |
| Noncurrent loans to loans | 1.0271% | 2,592 |
| Net loans and leases to total assets | 79.2684% | 900 |
| Net loans and leases to deposits | 96.3516% | 930 |
| Net loans and leases to core deposits | 117.0848% | 555 |
| Total domestic deposits to total assets | 82.2699% | 4,201 |
| Equity capital to assets | 9.3222% | 4,871 |
| Core capital (leverage) ratio | 8.8586% | 5,150 |
| Tier 1 risk-based capital ratio | 10.7897% | 5,809 |
| Total risk-based capital ratio | 12.0094% | 5,759 |
| Memoranda: | ||
| Average total assets | $689,797,330 | 1,013 |
| Average earning assets | $648,910,330 | 988 |
| Average equity | $64,359,000 | 1,190 |
| Average total loans | $550,153,330 | 854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,356 |
| Cost of funding earning assets | 0.3092% | 4,337 |
| Net interest margin | 3.6566% | 2,786 |
| Noninterest income to average assets | 0.8173% | 1,647 |
| Noninterest expense to average assets | 2.8620% | 3,029 |
| Loan and lease loss provision to assets | 0.1406% | 1,457 |
| Net operating income to assets | 0.8448% | 3,031 |
| Return on assets (ROA) | 0.8448% | 3,155 |
| Pretax return on assets | 1.2509% | 2,460 |
| Return on Equity (ROE) | 9.0510% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.0510% | 1,179 |
| Net charge-offs to loans | 0.1437% | 1,381 |
| Credit loss provision to net charge-offs | 123.0769% | 1,425 |
| Earnings coverage of net charge-offs (x) | 12.1795% | 1,812 |
| Efficiency ratio | 67.2176% | 3,952 |
| Assets per employee ($millions) | 5.0017% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,847 |
| Loan loss allowance to noncurrent loans | 148.7966% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 3,166 |
| Noncurrent loans to loans | 0.8191% | 3,199 |
| Net loans and leases to total assets | 77.4432% | 1,003 |
| Net loans and leases to deposits | 93.7746% | 1,006 |
| Net loans and leases to core deposits | 114.2001% | 575 |
| Total domestic deposits to total assets | 82.5844% | 4,310 |
| Equity capital to assets | 9.1482% | 5,139 |
| Core capital (leverage) ratio | 9.0166% | 4,931 |
| Tier 1 risk-based capital ratio | 10.7762% | 5,906 |
| Total risk-based capital ratio | 11.9827% | 5,851 |
| Memoranda: | ||
| Average total assets | $682,729,000 | 1,022 |
| Average earning assets | $641,586,000 | 998 |
| Average equity | $63,727,500 | 1,197 |
| Average total loans | $542,740,000 | 865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 3,249 |
| Cost of funding earning assets | 0.3214% | 4,566 |
| Net interest margin | 3.7978% | 2,628 |
| Noninterest income to average assets | 0.8521% | 1,675 |
| Noninterest expense to average assets | 2.9862% | 2,884 |
| Loan and lease loss provision to assets | 0.1471% | 1,792 |
| Net operating income to assets | 0.8545% | 3,094 |
| Return on assets (ROA) | 0.8603% | 3,160 |
| Pretax return on assets | 1.2698% | 2,349 |
| Return on Equity (ROE) | 9.5975% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.2494% | 1,295 |
| Net charge-offs to loans | 0.7504% | 476 |
| Credit loss provision to net charge-offs | 25.1375% | 3,913 |
| Earnings coverage of net charge-offs (x) | 2.4072% | 4,159 |
| Efficiency ratio | 67.8798% | 3,917 |
| Assets per employee ($millions) | 4.6494% | 2,798 |
| Cash dividends to net income (ytd only)* | 24.4658% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,685 |
| Loan loss allowance to noncurrent loans | 139.6038% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 2,956 |
| Noncurrent loans to loans | 0.9003% | 3,064 |
| Net loans and leases to total assets | 79.6534% | 785 |
| Net loans and leases to deposits | 97.6606% | 785 |
| Net loans and leases to core deposits | 112.5393% | 668 |
| Total domestic deposits to total assets | 81.5615% | 4,577 |
| Equity capital to assets | 9.5330% | 4,683 |
| Core capital (leverage) ratio | 8.6945% | 5,351 |
| Tier 1 risk-based capital ratio | 10.8131% | 5,985 |
| Total risk-based capital ratio | 12.0633% | 5,916 |
| Memoranda: | ||
| Average total assets | $652,762,400 | 1,029 |
| Average earning assets | $608,878,000 | 1,008 |
| Average equity | $58,515,000 | 1,248 |
| Average total loans | $508,895,200 | 878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,388 |
| Cost of funding earning assets | 0.3215% | 4,655 |
| Net interest margin | 3.7758% | 2,710 |
| Noninterest income to average assets | 0.8443% | 1,727 |
| Noninterest expense to average assets | 3.0079% | 2,781 |
| Loan and lease loss provision to assets | 0.1475% | 1,697 |
| Net operating income to assets | 0.8149% | 3,366 |
| Return on assets (ROA) | 0.8194% | 3,440 |
| Pretax return on assets | 1.2129% | 2,726 |
| Return on Equity (ROE) | 9.2898% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.2898% | 902 |
| Net charge-offs to loans | 0.9991% | 303 |
| Credit loss provision to net charge-offs | 19.1032% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1.7535% | 4,085 |
| Efficiency ratio | 68.8865% | 3,693 |
| Assets per employee ($millions) | 4.6805% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 3,714 |
| Loan loss allowance to noncurrent loans | 132.5453% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 3,160 |
| Noncurrent loans to loans | 0.9705% | 3,138 |
| Net loans and leases to total assets | 75.0969% | 1,349 |
| Net loans and leases to deposits | 91.7236% | 1,254 |
| Net loans and leases to core deposits | 106.4956% | 925 |
| Total domestic deposits to total assets | 81.8731% | 4,522 |
| Equity capital to assets | 9.4446% | 4,868 |
| Core capital (leverage) ratio | 8.8133% | 5,318 |
| Tier 1 risk-based capital ratio | 11.1191% | 5,946 |
| Total risk-based capital ratio | 12.3692% | 5,898 |
| Memoranda: | ||
| Average total assets | $650,899,250 | 1,038 |
| Average earning assets | $606,338,750 | 1,024 |
| Average equity | $57,409,250 | 1,277 |
| Average total loans | $502,974,500 | 889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 3,397 |
| Cost of funding earning assets | 0.3270% | 4,674 |
| Net interest margin | 3.7613% | 2,710 |
| Noninterest income to average assets | 0.8423% | 1,693 |
| Noninterest expense to average assets | 3.0415% | 2,681 |
| Loan and lease loss provision to assets | 0.1485% | 1,663 |
| Net operating income to assets | 0.7817% | 3,416 |
| Return on assets (ROA) | 0.7885% | 3,487 |
| Pretax return on assets | 1.1610% | 2,831 |
| Return on Equity (ROE) | 9.1618% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.1618% | 933 |
| Net charge-offs to loans | 1.4280% | 201 |
| Credit loss provision to net charge-offs | 13.3891% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.1715% | 3,876 |
| Efficiency ratio | 69.9907% | 3,664 |
| Assets per employee ($millions) | 4.6947% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,040 |
| Loan loss allowance to noncurrent loans | 129.8429% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 2,963 |
| Noncurrent loans to loans | 0.9764% | 3,282 |
| Net loans and leases to total assets | 77.5058% | 975 |
| Net loans and leases to deposits | 95.2744% | 860 |
| Net loans and leases to core deposits | 112.8042% | 574 |
| Total domestic deposits to total assets | 81.3501% | 4,861 |
| Equity capital to assets | 8.8213% | 5,502 |
| Core capital (leverage) ratio | 8.1100% | 6,013 |
| Tier 1 risk-based capital ratio | 9.7906% | 6,452 |
| Total risk-based capital ratio | 11.0221% | 6,434 |
| Memoranda: | ||
| Average total assets | $646,324,000 | 1,047 |
| Average earning assets | $601,228,670 | 1,030 |
| Average equity | $55,622,000 | 1,307 |
| Average total loans | $502,093,670 | 887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,353 |
| Cost of funding earning assets | 0.3250% | 4,791 |
| Net interest margin | 3.7593% | 2,642 |
| Noninterest income to average assets | 0.7925% | 1,783 |
| Noninterest expense to average assets | 3.0597% | 2,655 |
| Loan and lease loss provision to assets | 0.1487% | 1,634 |
| Net operating income to assets | 0.7423% | 3,467 |
| Return on assets (ROA) | 0.7423% | 3,552 |
| Pretax return on assets | 1.0813% | 2,993 |
| Return on Equity (ROE) | 8.7354% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.7354% | 1,335 |
| Net charge-offs to loans | -0.0104% | 5,061 |
| Credit loss provision to net charge-offs | -1,846.1538% | 5,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2552% | 3,619 |
| Assets per employee ($millions) | 4.6685% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 1,581 |
| Loan loss allowance to noncurrent loans | 88.7903% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.0106% | 1,695 |
| Noncurrent loans to loans | 2.2147% | 1,636 |
| Net loans and leases to total assets | 75.8805% | 1,014 |
| Net loans and leases to deposits | 99.5796% | 461 |
| Net loans and leases to core deposits | 107.9412% | 680 |
| Total domestic deposits to total assets | 76.2009% | 6,060 |
| Equity capital to assets | 8.6218% | 5,527 |
| Core capital (leverage) ratio | 7.8153% | 6,212 |
| Tier 1 risk-based capital ratio | 9.7509% | 6,518 |
| Total risk-based capital ratio | 11.0090% | 6,496 |
| Memoranda: | ||
| Average total assets | $645,549,000 | 1,059 |
| Average earning assets | $600,544,000 | 1,045 |
| Average equity | $54,857,500 | 1,317 |
| Average total loans | $498,846,500 | 891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,542 |
| Cost of funding earning assets | 0.3708% | 4,945 |
| Net interest margin | 3.7780% | 2,731 |
| Noninterest income to average assets | 0.9272% | 1,591 |
| Noninterest expense to average assets | 2.9461% | 3,212 |
| Loan and lease loss provision to assets | 0.1472% | 2,448 |
| Net operating income to assets | 0.9057% | 2,750 |
| Return on assets (ROA) | 0.9159% | 2,789 |
| Pretax return on assets | 1.3585% | 1,937 |
| Return on Equity (ROE) | 9.1055% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.5138% | 2,965 |
| Net charge-offs to loans | 0.2865% | 2,255 |
| Credit loss provision to net charge-offs | 71.0825% | 3,278 |
| Earnings coverage of net charge-offs (x) | 7.1991% | 2,894 |
| Efficiency ratio | 66.3311% | 4,506 |
| Assets per employee ($millions) | 4.5876% | 2,742 |
| Cash dividends to net income (ytd only)* | 50.4278% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 1,752 |
| Loan loss allowance to noncurrent loans | 93.5835% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8575% | 1,968 |
| Noncurrent loans to loans | 2.0456% | 1,940 |
| Net loans and leases to total assets | 75.6706% | 1,123 |
| Net loans and leases to deposits | 111.7451% | 144 |
| Net loans and leases to core deposits | 116.1908% | 414 |
| Total domestic deposits to total assets | 67.7171% | 6,594 |
| Equity capital to assets | 8.3743% | 5,713 |
| Core capital (leverage) ratio | 7.7705% | 6,263 |
| Tier 1 risk-based capital ratio | 9.5773% | 6,593 |
| Total risk-based capital ratio | 10.8351% | 6,573 |
| Memoranda: | ||
| Average total assets | $638,054,600 | 1,048 |
| Average earning assets | $592,699,600 | 1,034 |
| Average equity | $64,181,000 | 1,114 |
| Average total loans | $461,038,400 | 921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,614 |
| Cost of funding earning assets | 0.3757% | 5,041 |
| Net interest margin | 3.7608% | 2,799 |
| Noninterest income to average assets | 0.9608% | 1,579 |
| Noninterest expense to average assets | 2.9379% | 3,176 |
| Loan and lease loss provision to assets | 0.1340% | 2,604 |
| Net operating income to assets | 0.9317% | 2,682 |
| Return on assets (ROA) | 0.9411% | 2,745 |
| Pretax return on assets | 1.3957% | 1,944 |
| Return on Equity (ROE) | 8.9734% | 2,648 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,648 |
| Net charge-offs to loans | 0.3718% | 1,710 |
| Credit loss provision to net charge-offs | 50.7546% | 3,479 |
| Earnings coverage of net charge-offs (x) | 5.7411% | 3,114 |
| Efficiency ratio | 65.8929% | 4,505 |
| Assets per employee ($millions) | 4.5436% | 2,812 |
| Cash dividends to net income (ytd only)* | 37.3218% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 1,878 |
| Loan loss allowance to noncurrent loans | 103.7652% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7527% | 2,337 |
| Noncurrent loans to loans | 1.8719% | 2,408 |
| Net loans and leases to total assets | 73.9281% | 1,300 |
| Net loans and leases to deposits | 103.0700% | 329 |
| Net loans and leases to core deposits | 114.6707% | 433 |
| Total domestic deposits to total assets | 71.7261% | 6,510 |
| Equity capital to assets | 8.5683% | 5,662 |
| Core capital (leverage) ratio | 7.9615% | 6,248 |
| Tier 1 risk-based capital ratio | 9.8345% | 6,631 |
| Total risk-based capital ratio | 11.0923% | 6,602 |
| Memoranda: | ||
| Average total assets | $635,855,500 | 1,060 |
| Average earning assets | $590,528,000 | 1,044 |
| Average equity | $66,684,000 | 1,089 |
| Average total loans | $451,540,750 | 948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,634 |
| Cost of funding earning assets | 0.3816% | 5,117 |
| Net interest margin | 3.7455% | 2,780 |
| Noninterest income to average assets | 0.9525% | 1,645 |
| Noninterest expense to average assets | 2.9139% | 3,285 |
| Loan and lease loss provision to assets | 0.1066% | 3,015 |
| Net operating income to assets | 0.9533% | 2,551 |
| Return on assets (ROA) | 0.9676% | 2,624 |
| Pretax return on assets | 1.4329% | 1,828 |
| Return on Equity (ROE) | 8.6961% | 2,757 |
| Retained earnings to average equity (ytd only) | 3.9607% | 3,771 |
| Net charge-offs to loans | -0.0362% | 6,143 |
| Credit loss provision to net charge-offs | -423.7500% | 5,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6707% | 4,607 |
| Assets per employee ($millions) | 4.4911% | 2,827 |
| Cash dividends to net income (ytd only)* | 54.4538% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,256 |
| Loan loss allowance to noncurrent loans | 100.6807% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 2,110 |
| Noncurrent loans to loans | 2.2882% | 2,069 |
| Net loans and leases to total assets | 71.8877% | 1,598 |
| Net loans and leases to deposits | 94.5112% | 775 |
| Net loans and leases to core deposits | 103.2532% | 872 |
| Total domestic deposits to total assets | 76.0626% | 6,241 |
| Equity capital to assets | 11.4760% | 2,319 |
| Core capital (leverage) ratio | 10.5162% | 2,863 |
| Tier 1 risk-based capital ratio | 13.6341% | 4,685 |
| Total risk-based capital ratio | 14.8957% | 4,641 |
| Memoranda: | ||
| Average total assets | $635,773,000 | 1,063 |
| Average earning assets | $590,677,000 | 1,046 |
| Average equity | $70,744,330 | 1,019 |
| Average total loans | $442,196,330 | 966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 4,040 |
| Cost of funding earning assets | 0.3748% | 5,326 |
| Net interest margin | 3.6440% | 3,093 |
| Noninterest income to average assets | 0.8336% | 1,990 |
| Noninterest expense to average assets | 2.8821% | 3,411 |
| Loan and lease loss provision to assets | 0.1851% | 1,995 |
| Net operating income to assets | 0.7898% | 3,219 |
| Return on assets (ROA) | 0.7898% | 3,351 |
| Pretax return on assets | 1.1495% | 2,765 |
| Return on Equity (ROE) | 7.2042% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.2343% | 3,094 |
| Net charge-offs to loans | 0.1623% | 2,429 |
| Credit loss provision to net charge-offs | 168.5393% | 1,246 |
| Earnings coverage of net charge-offs (x) | 12.1517% | 1,621 |
| Efficiency ratio | 68.2763% | 4,259 |
| Assets per employee ($millions) | 4.6837% | 2,681 |
| Cash dividends to net income (ytd only)* | 27.3438% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 1,423 |
| Loan loss allowance to noncurrent loans | 96.1380% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 2,127 |
| Noncurrent loans to loans | 2.3831% | 2,178 |
| Net loans and leases to total assets | 67.3341% | 2,131 |
| Net loans and leases to deposits | 88.9964% | 1,049 |
| Net loans and leases to core deposits | 99.3185% | 989 |
| Total domestic deposits to total assets | 75.6594% | 6,395 |
| Equity capital to assets | 11.2032% | 2,735 |
| Core capital (leverage) ratio | 10.1815% | 3,169 |
| Tier 1 risk-based capital ratio | 13.3451% | 4,979 |
| Total risk-based capital ratio | 14.6054% | 4,923 |
| Memoranda: | ||
| Average total assets | $648,266,500 | 1,048 |
| Average earning assets | $601,861,500 | 1,039 |
| Average equity | $71,069,500 | 1,026 |
| Average total loans | $438,577,500 | 977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 4,999 |
| Cost of funding earning assets | 0.5978% | 4,378 |
| Net interest margin | 3.4881% | 4,539 |
| Noninterest income to average assets | 0.8874% | 1,904 |
| Noninterest expense to average assets | 2.6684% | 4,516 |
| Loan and lease loss provision to assets | 0.2858% | 2,377 |
| Net operating income to assets | 0.8060% | 3,257 |
| Return on assets (ROA) | 0.8153% | 3,461 |
| Pretax return on assets | 1.1866% | 2,847 |
| Return on Equity (ROE) | 7.4149% | 3,403 |
| Retained earnings to average equity (ytd only) | -3.4631% | 6,301 |
| Net charge-offs to loans | 0.0412% | 5,342 |
| Credit loss provision to net charge-offs | 1,072.6257% | 245 |
| Earnings coverage of net charge-offs (x) | 54.7486% | 640 |
| Efficiency ratio | 64.5771% | 4,783 |
| Assets per employee ($millions) | 4.8142% | 2,471 |
| Cash dividends to net income (ytd only)* | 146.7044% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,422 |
| Loan loss allowance to noncurrent loans | 94.0369% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.1748% | 2,257 |
| Noncurrent loans to loans | 2.4111% | 2,213 |
| Net loans and leases to total assets | 64.9315% | 2,735 |
| Net loans and leases to deposits | 88.7930% | 1,189 |
| Net loans and leases to core deposits | 98.7436% | 1,091 |
| Total domestic deposits to total assets | 73.1269% | 6,607 |
| Equity capital to assets | 10.7311% | 3,238 |
| Core capital (leverage) ratio | 9.9511% | 3,467 |
| Tier 1 risk-based capital ratio | 13.1184% | 5,023 |
| Total risk-based capital ratio | 14.3785% | 4,965 |
| Memoranda: | ||
| Average total assets | $671,752,000 | 976 |
| Average earning assets | $623,945,200 | 962 |
| Average equity | $73,864,600 | 960 |
| Average total loans | $434,492,600 | 962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 5,161 |
| Cost of funding earning assets | 0.6461% | 4,229 |
| Net interest margin | 3.4609% | 4,805 |
| Noninterest income to average assets | 0.8919% | 1,859 |
| Noninterest expense to average assets | 2.6314% | 4,632 |
| Loan and lease loss provision to assets | 0.2934% | 2,239 |
| Net operating income to assets | 0.8177% | 3,358 |
| Return on assets (ROA) | 0.8188% | 3,596 |
| Pretax return on assets | 1.1859% | 3,035 |
| Return on Equity (ROE) | 7.4028% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.5892% | 3,673 |
| Net charge-offs to loans | 0.0627% | 4,794 |
| Credit loss provision to net charge-offs | 727.9412% | 381 |
| Earnings coverage of net charge-offs (x) | 36.6622% | 940 |
| Efficiency ratio | 63.9660% | 4,808 |
| Assets per employee ($millions) | 5.0261% | 2,155 |
| Cash dividends to net income (ytd only)* | 38.0068% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 1,700 |
| Loan loss allowance to noncurrent loans | 87.3836% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.2610% | 2,355 |
| Noncurrent loans to loans | 2.5196% | 2,266 |
| Net loans and leases to total assets | 62.9608% | 3,211 |
| Net loans and leases to deposits | 87.4771% | 1,417 |
| Net loans and leases to core deposits | 98.2416% | 1,247 |
| Total domestic deposits to total assets | 71.9740% | 6,742 |
| Equity capital to assets | 11.4627% | 2,787 |
| Core capital (leverage) ratio | 10.4958% | 2,916 |
| Tier 1 risk-based capital ratio | 14.3471% | 4,301 |
| Total risk-based capital ratio | 15.6062% | 4,263 |
| Memoranda: | ||
| Average total assets | $674,804,000 | 978 |
| Average earning assets | $627,295,500 | 966 |
| Average equity | $74,636,750 | 953 |
| Average total loans | $433,569,000 | 969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 5,219 |
| Cost of funding earning assets | 0.6939% | 4,068 |
| Net interest margin | 3.4314% | 4,965 |
| Noninterest income to average assets | 0.8908% | 1,819 |
| Noninterest expense to average assets | 2.6405% | 4,643 |
| Loan and lease loss provision to assets | 0.2925% | 2,241 |
| Net operating income to assets | 0.8052% | 3,371 |
| Return on assets (ROA) | 0.8069% | 3,626 |
| Pretax return on assets | 1.1541% | 3,103 |
| Return on Equity (ROE) | 7.3837% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.6662% | 4,155 |
| Net charge-offs to loans | 0.0649% | 4,526 |
| Credit loss provision to net charge-offs | 702.1277% | 454 |
| Earnings coverage of net charge-offs (x) | 34.6667% | 976 |
| Efficiency ratio | 64.5714% | 4,788 |
| Assets per employee ($millions) | 5.1029% | 2,028 |
| Cash dividends to net income (ytd only)* | 50.3479% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,995 |
| Loan loss allowance to noncurrent loans | 83.4995% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2813% | 2,451 |
| Noncurrent loans to loans | 2.5167% | 2,400 |
| Net loans and leases to total assets | 62.0725% | 3,420 |
| Net loans and leases to deposits | 89.9548% | 1,154 |
| Net loans and leases to core deposits | 103.7776% | 874 |
| Total domestic deposits to total assets | 69.0041% | 6,953 |
| Equity capital to assets | 11.0549% | 3,055 |
| Core capital (leverage) ratio | 9.9876% | 3,436 |
| Tier 1 risk-based capital ratio | 13.9793% | 4,462 |
| Total risk-based capital ratio | 15.2388% | 4,424 |
| Memoranda: | ||
| Average total assets | $676,914,670 | 973 |
| Average earning assets | $630,066,670 | 960 |
| Average equity | $73,974,000 | 951 |
| Average total loans | $434,642,000 | 961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 5,313 |
| Cost of funding earning assets | 0.7248% | 4,081 |
| Net interest margin | 3.4163% | 5,047 |
| Noninterest income to average assets | 0.9532% | 1,553 |
| Noninterest expense to average assets | 2.6709% | 4,538 |
| Loan and lease loss provision to assets | 0.2929% | 2,127 |
| Net operating income to assets | 0.8390% | 3,204 |
| Return on assets (ROA) | 0.8390% | 3,441 |
| Pretax return on assets | 1.1633% | 3,058 |
| Return on Equity (ROE) | 7.7226% | 3,400 |
| Retained earnings to average equity (ytd only) | 1.3234% | 5,571 |
| Net charge-offs to loans | 0.1081% | 3,481 |
| Credit loss provision to net charge-offs | 419.4915% | 756 |
| Earnings coverage of net charge-offs (x) | 20.8559% | 1,177 |
| Efficiency ratio | 64.6452% | 4,810 |
| Assets per employee ($millions) | 5.0674% | 2,171 |
| Cash dividends to net income (ytd only)* | 82.8632% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 2,515 |
| Loan loss allowance to noncurrent loans | 82.0820% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 2,513 |
| Noncurrent loans to loans | 2.3783% | 2,725 |
| Net loans and leases to total assets | 62.9257% | 3,061 |
| Net loans and leases to deposits | 87.8857% | 1,182 |
| Net loans and leases to core deposits | 102.4777% | 841 |
| Total domestic deposits to total assets | 71.5994% | 6,900 |
| Equity capital to assets | 10.7585% | 3,197 |
| Core capital (leverage) ratio | 9.9715% | 3,393 |
| Tier 1 risk-based capital ratio | 13.5475% | 4,794 |
| Total risk-based capital ratio | 14.7977% | 4,775 |
| Memoranda: | ||
| Average total assets | $676,028,500 | 973 |
| Average earning assets | $628,048,500 | 960 |
| Average equity | $73,447,000 | 948 |
| Average total loans | $436,802,500 | 954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 6,170 |
| Cost of funding earning assets | 0.9810% | 3,506 |
| Net interest margin | 3.1764% | 6,161 |
| Noninterest income to average assets | 0.7923% | 2,106 |
| Noninterest expense to average assets | 2.5285% | 5,358 |
| Loan and lease loss provision to assets | 0.8033% | 1,221 |
| Net operating income to assets | 0.3153% | 5,199 |
| Return on assets (ROA) | 0.3318% | 5,294 |
| Pretax return on assets | 0.4574% | 5,109 |
| Return on Equity (ROE) | 3.2427% | 5,182 |
| Retained earnings to average equity (ytd only) | -5.3274% | 6,474 |
| Net charge-offs to loans | 0.7064% | 2,393 |
| Credit loss provision to net charge-offs | 181.1402% | 1,430 |
| Earnings coverage of net charge-offs (x) | 2.7922% | 3,821 |
| Efficiency ratio | 67.0452% | 4,567 |
| Assets per employee ($millions) | 4.9478% | 2,276 |
| Cash dividends to net income (ytd only)* | 264.2889% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 2,612 |
| Loan loss allowance to noncurrent loans | 78.2692% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.4816% | 2,450 |
| Noncurrent loans to loans | 2.4091% | 2,716 |
| Net loans and leases to total assets | 63.8313% | 3,227 |
| Net loans and leases to deposits | 93.5526% | 842 |
| Net loans and leases to core deposits | 106.9407% | 758 |
| Total domestic deposits to total assets | 68.2303% | 7,063 |
| Equity capital to assets | 10.9730% | 3,004 |
| Core capital (leverage) ratio | 10.0430% | 3,285 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,697 |
| Total risk-based capital ratio | 14.7549% | 4,656 |
| Memoranda: | ||
| Average total assets | $680,329,200 | 953 |
| Average earning assets | $637,074,400 | 931 |
| Average equity | $69,602,800 | 965 |
| Average total loans | $427,103,800 | 978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 6,372 |
| Cost of funding earning assets | 1.0416% | 3,376 |
| Net interest margin | 3.0758% | 6,439 |
| Noninterest income to average assets | 0.7655% | 2,225 |
| Noninterest expense to average assets | 2.4747% | 5,545 |
| Loan and lease loss provision to assets | 0.4907% | 2,026 |
| Net operating income to assets | 0.4706% | 4,673 |
| Return on assets (ROA) | 0.4782% | 4,841 |
| Pretax return on assets | 0.6978% | 4,484 |
| Return on Equity (ROE) | 4.7582% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.3902% | 5,837 |
| Net charge-offs to loans | 0.8782% | 1,816 |
| Credit loss provision to net charge-offs | 89.7894% | 3,776 |
| Earnings coverage of net charge-offs (x) | 2.1549% | 4,055 |
| Efficiency ratio | 67.6727% | 4,385 |
| Assets per employee ($millions) | 5.1192% | 2,040 |
| Cash dividends to net income (ytd only)* | 91.7994% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 5,068 |
| Loan loss allowance to noncurrent loans | 130.9667% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 3,740 |
| Noncurrent loans to loans | 0.9824% | 4,927 |
| Net loans and leases to total assets | 61.0652% | 3,930 |
| Net loans and leases to deposits | 88.6192% | 1,364 |
| Net loans and leases to core deposits | 99.6555% | 1,279 |
| Total domestic deposits to total assets | 68.9075% | 7,097 |
| Equity capital to assets | 11.3138% | 2,851 |
| Core capital (leverage) ratio | 10.4619% | 2,914 |
| Tier 1 risk-based capital ratio | 14.5047% | 3,977 |
| Total risk-based capital ratio | 15.6417% | 4,030 |
| Memoranda: | ||
| Average total assets | $683,422,000 | 961 |
| Average earning assets | $641,411,500 | 932 |
| Average equity | $68,679,750 | 984 |
| Average total loans | $425,239,750 | 992 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 6,478 |
| Cost of funding earning assets | 1.0633% | 3,523 |
| Net interest margin | 3.0460% | 6,514 |
| Noninterest income to average assets | 0.7419% | 2,306 |
| Noninterest expense to average assets | 2.4167% | 5,792 |
| Loan and lease loss provision to assets | 0.6051% | 1,593 |
| Net operating income to assets | 0.4058% | 4,917 |
| Return on assets (ROA) | 0.4117% | 5,045 |
| Pretax return on assets | 0.5960% | 4,750 |
| Return on Equity (ROE) | 4.2768% | 4,803 |
| Retained earnings to average equity (ytd only) | -1.5068% | 6,158 |
| Net charge-offs to loans | 1.3038% | 1,176 |
| Credit loss provision to net charge-offs | 74.4412% | 3,933 |
| Earnings coverage of net charge-offs (x) | 1.4672% | 4,184 |
| Efficiency ratio | 66.9589% | 4,707 |
| Assets per employee ($millions) | 5.1079% | 1,982 |
| Cash dividends to net income (ytd only)* | 135.2313% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,582 |
| Loan loss allowance to noncurrent loans | 62.1085% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.0010% | 3,231 |
| Noncurrent loans to loans | 1.9191% | 3,583 |
| Net loans and leases to total assets | 61.4658% | 3,997 |
| Net loans and leases to deposits | 87.4977% | 1,576 |
| Net loans and leases to core deposits | 99.5727% | 1,381 |
| Total domestic deposits to total assets | 70.2485% | 7,095 |
| Equity capital to assets | 9.8052% | 4,383 |
| Core capital (leverage) ratio | 8.8619% | 4,942 |
| Tier 1 risk-based capital ratio | 12.4898% | 5,356 |
| Total risk-based capital ratio | 13.5471% | 5,503 |
| Memoranda: | ||
| Average total assets | $682,570,000 | 970 |
| Average earning assets | $642,556,670 | 941 |
| Average equity | $65,703,000 | 1,029 |
| Average total loans | $425,535,000 | 1,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 6,584 |
| Cost of funding earning assets | 1.0612% | 3,777 |
| Net interest margin | 2.9988% | 6,576 |
| Noninterest income to average assets | 0.7361% | 2,346 |
| Noninterest expense to average assets | 2.4239% | 5,816 |
| Loan and lease loss provision to assets | 0.2631% | 3,029 |
| Net operating income to assets | 0.5817% | 4,127 |
| Return on assets (ROA) | 0.5817% | 4,195 |
| Pretax return on assets | 0.8740% | 3,599 |
| Return on Equity (ROE) | 6.0997% | 3,846 |
| Retained earnings to average equity (ytd only) | -3.4024% | 6,349 |
| Net charge-offs to loans | 0.5330% | 2,162 |
| Credit loss provision to net charge-offs | 79.0861% | 3,179 |
| Earnings coverage of net charge-offs (x) | 3.4183% | 2,745 |
| Efficiency ratio | 68.0676% | 4,641 |
| Assets per employee ($millions) | 5.0708% | 2,064 |
| Cash dividends to net income (ytd only)* | 155.7789% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 5,040 |
| Loan loss allowance to noncurrent loans | 152.4519% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 4,167 |
| Noncurrent loans to loans | 0.8650% | 5,306 |
| Net loans and leases to total assets | 61.5081% | 3,964 |
| Net loans and leases to deposits | 84.4988% | 1,949 |
| Net loans and leases to core deposits | 94.4868% | 1,829 |
| Total domestic deposits to total assets | 72.7916% | 7,014 |
| Equity capital to assets | 9.4803% | 4,465 |
| Core capital (leverage) ratio | 9.0618% | 4,503 |
| Tier 1 risk-based capital ratio | 12.5577% | 5,206 |
| Total risk-based capital ratio | 13.7301% | 5,261 |
| Memoranda: | ||
| Average total assets | $684,181,500 | 976 |
| Average earning assets | $644,532,500 | 945 |
| Average equity | $65,249,000 | 1,025 |
| Average total loans | $427,001,000 | 1,019 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 6,141 |
| Cost of funding earning assets | 1.3426% | 3,632 |
| Net interest margin | 3.2486% | 6,138 |
| Noninterest income to average assets | 0.8875% | 1,893 |
| Noninterest expense to average assets | 2.5506% | 5,613 |
| Loan and lease loss provision to assets | 0.5690% | 2,853 |
| Net operating income to assets | 0.5232% | 3,989 |
| Return on assets (ROA) | 0.5236% | 4,142 |
| Pretax return on assets | 0.7929% | 3,663 |
| Return on Equity (ROE) | 4.8336% | 4,143 |
| Retained earnings to average equity (ytd only) | -0.8278% | 5,775 |
| Net charge-offs to loans | 0.5984% | 3,238 |
| Credit loss provision to net charge-offs | 131.7345% | 2,992 |
| Earnings coverage of net charge-offs (x) | 3.1520% | 3,493 |
| Efficiency ratio | 65.2008% | 5,126 |
| Assets per employee ($millions) | 5.4705% | 1,615 |
| Cash dividends to net income (ytd only)* | 117.1257% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,785 |
| Loan loss allowance to noncurrent loans | 68.5026% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.1113% | 3,201 |
| Noncurrent loans to loans | 1.9629% | 3,615 |
| Net loans and leases to total assets | 61.6507% | 4,361 |
| Net loans and leases to deposits | 82.3023% | 2,746 |
| Net loans and leases to core deposits | 92.3170% | 2,465 |
| Total domestic deposits to total assets | 74.9076% | 6,781 |
| Equity capital to assets | 9.5933% | 4,280 |
| Core capital (leverage) ratio | 9.4081% | 3,834 |
| Tier 1 risk-based capital ratio | 13.0859% | 4,533 |
| Total risk-based capital ratio | 14.3221% | 4,503 |
| Memoranda: | ||
| Average total assets | $603,377,400 | 1,110 |
| Average earning assets | $561,752,200 | 1,079 |
| Average equity | $65,354,600 | 1,025 |
| Average total loans | $435,498,200 | 1,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 5,811 |
| Cost of funding earning assets | 1.3612% | 3,826 |
| Net interest margin | 3.4030% | 5,673 |
| Noninterest income to average assets | 0.9148% | 1,742 |
| Noninterest expense to average assets | 2.6272% | 5,208 |
| Loan and lease loss provision to assets | 0.7093% | 2,152 |
| Net operating income to assets | 0.4869% | 4,376 |
| Return on assets (ROA) | 0.4874% | 4,572 |
| Pretax return on assets | 0.7351% | 4,131 |
| Return on Equity (ROE) | 4.3536% | 4,613 |
| Retained earnings to average equity (ytd only) | -2.6914% | 6,311 |
| Net charge-offs to loans | 0.6704% | 2,752 |
| Credit loss provision to net charge-offs | 141.0455% | 2,806 |
| Earnings coverage of net charge-offs (x) | 2.8709% | 3,694 |
| Efficiency ratio | 64.5348% | 5,140 |
| Assets per employee ($millions) | 5.1652% | 1,984 |
| Cash dividends to net income (ytd only)* | 161.8198% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,715 |
| Loan loss allowance to noncurrent loans | 65.9343% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3634% | 3,013 |
| Noncurrent loans to loans | 2.0452% | 3,625 |
| Net loans and leases to total assets | 65.4453% | 3,813 |
| Net loans and leases to deposits | 88.6810% | 1,913 |
| Net loans and leases to core deposits | 101.1422% | 1,733 |
| Total domestic deposits to total assets | 73.7986% | 6,944 |
| Equity capital to assets | 10.0426% | 4,106 |
| Core capital (leverage) ratio | 9.8731% | 3,395 |
| Tier 1 risk-based capital ratio | 12.8334% | 4,705 |
| Total risk-based capital ratio | 14.0801% | 4,692 |
| Memoranda: | ||
| Average total assets | $583,269,500 | 1,161 |
| Average earning assets | $540,966,000 | 1,136 |
| Average equity | $65,293,250 | 1,027 |
| Average total loans | $437,543,000 | 1,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,349 |
| Cost of funding earning assets | 1.3466% | 4,209 |
| Net interest margin | 3.5627% | 4,987 |
| Noninterest income to average assets | 0.9484% | 1,520 |
| Noninterest expense to average assets | 2.6464% | 5,145 |
| Loan and lease loss provision to assets | 0.9890% | 1,471 |
| Net operating income to assets | 0.4155% | 4,684 |
| Return on assets (ROA) | 0.4162% | 4,840 |
| Pretax return on assets | 0.6195% | 4,508 |
| Return on Equity (ROE) | 3.5758% | 4,980 |
| Retained earnings to average equity (ytd only) | -6.2293% | 6,674 |
| Net charge-offs to loans | 0.7054% | 2,455 |
| Credit loss provision to net charge-offs | 178.9032% | 2,189 |
| Earnings coverage of net charge-offs (x) | 2.9077% | 3,541 |
| Efficiency ratio | 62.2118% | 5,651 |
| Assets per employee ($millions) | 4.8610% | 2,355 |
| Cash dividends to net income (ytd only)* | 274.2074% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,668 |
| Loan loss allowance to noncurrent loans | 57.4609% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.9698% | 2,403 |
| Noncurrent loans to loans | 2.3551% | 3,311 |
| Net loans and leases to total assets | 76.1206% | 1,474 |
| Net loans and leases to deposits | 106.5242% | 369 |
| Net loans and leases to core deposits | 118.5295% | 751 |
| Total domestic deposits to total assets | 71.4585% | 7,225 |
| Equity capital to assets | 10.9919% | 2,869 |
| Core capital (leverage) ratio | 10.4292% | 2,681 |
| Tier 1 risk-based capital ratio | 12.3296% | 5,015 |
| Total risk-based capital ratio | 13.5799% | 4,990 |
| Memoranda: | ||
| Average total assets | $560,756,330 | 1,212 |
| Average earning assets | $520,277,330 | 1,191 |
| Average equity | $65,271,670 | 1,021 |
| Average total loans | $439,475,330 | 1,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 5,095 |
| Cost of funding earning assets | 1.3058% | 4,781 |
| Net interest margin | 3.6775% | 4,360 |
| Noninterest income to average assets | 0.8350% | 1,866 |
| Noninterest expense to average assets | 2.3589% | 6,212 |
| Loan and lease loss provision to assets | 0.3400% | 3,349 |
| Net operating income to assets | 0.9959% | 2,203 |
| Return on assets (ROA) | 0.9974% | 2,267 |
| Pretax return on assets | 1.5443% | 1,409 |
| Return on Equity (ROE) | 8.3195% | 2,729 |
| Retained earnings to average equity (ytd only) | -9.6735% | 6,946 |
| Net charge-offs to loans | 0.1536% | 4,005 |
| Credit loss provision to net charge-offs | 280.1205% | 1,417 |
| Earnings coverage of net charge-offs (x) | 15.5060% | 1,378 |
| Efficiency ratio | 55.6207% | 6,823 |
| Assets per employee ($millions) | 5.0648% | 2,150 |
| Cash dividends to net income (ytd only)* | 216.2757% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,527 |
| Loan loss allowance to noncurrent loans | 91.3515% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.2320% | 3,240 |
| Noncurrent loans to loans | 1.3089% | 4,793 |
| Net loans and leases to total assets | 78.1053% | 1,135 |
| Net loans and leases to deposits | 119.1538% | 149 |
| Net loans and leases to core deposits | 130.2985% | 489 |
| Total domestic deposits to total assets | 65.5500% | 7,632 |
| Equity capital to assets | 11.7418% | 2,206 |
| Core capital (leverage) ratio | 10.9390% | 2,269 |
| Tier 1 risk-based capital ratio | 12.8233% | 4,464 |
| Total risk-based capital ratio | 13.9448% | 4,528 |
| Memoranda: | ||
| Average total assets | $547,041,500 | 1,277 |
| Average earning assets | $506,652,500 | 1,260 |
| Average equity | $65,581,000 | 1,016 |
| Average total loans | $432,276,500 | 1,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 6,259 |
| Cost of funding earning assets | 1.4958% | 5,528 |
| Net interest margin | 3.5546% | 4,728 |
| Noninterest income to average assets | 0.8658% | 2,104 |
| Noninterest expense to average assets | 2.7155% | 5,318 |
| Loan and lease loss provision to assets | 0.2540% | 5,365 |
| Net operating income to assets | 0.7924% | 2,559 |
| Return on assets (ROA) | 0.7924% | 2,653 |
| Pretax return on assets | 1.2174% | 1,908 |
| Return on Equity (ROE) | 6.9740% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.2201% | 2,905 |
| Net charge-offs to loans | 0.1131% | 6,030 |
| Credit loss provision to net charge-offs | 289.4168% | 1,160 |
| Earnings coverage of net charge-offs (x) | 16.7646% | 1,234 |
| Efficiency ratio | 64.8556% | 5,607 |
| Assets per employee ($millions) | 5.1134% | 2,064 |
| Cash dividends to net income (ytd only)* | 53.8278% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,647 |
| Loan loss allowance to noncurrent loans | 109.3597% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 3,256 |
| Noncurrent loans to loans | 1.0506% | 5,219 |
| Net loans and leases to total assets | 78.0830% | 1,363 |
| Net loans and leases to deposits | 123.7828% | 132 |
| Net loans and leases to core deposits | 149.7566% | 515 |
| Total domestic deposits to total assets | 63.0806% | 7,734 |
| Equity capital to assets | 12.2394% | 1,886 |
| Core capital (leverage) ratio | 11.6804% | 1,825 |
| Tier 1 risk-based capital ratio | 13.4723% | 3,842 |
| Total risk-based capital ratio | 14.5542% | 3,884 |
| Memoranda: | ||
| Average total assets | $527,496,400 | 1,304 |
| Average earning assets | $492,847,670 | 1,279 |
| Average equity | $59,936,800 | 1,108 |
| Average total loans | $409,413,200 | 1,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 6,528 |
| Cost of funding earning assets | 1.5481% | 5,645 |
| Net interest margin | 3.4783% | 4,955 |
| Noninterest income to average assets | 0.8669% | 2,117 |
| Noninterest expense to average assets | 2.7258% | 5,214 |
| Loan and lease loss provision to assets | 0.2647% | 4,843 |
| Net operating income to assets | 0.7343% | 3,074 |
| Return on assets (ROA) | 0.7343% | 3,144 |
| Pretax return on assets | 1.1244% | 2,491 |
| Return on Equity (ROE) | 6.5938% | 3,260 |
| Retained earnings to average equity (ytd only) | 2.0227% | 4,187 |
| Net charge-offs to loans | 0.0945% | 5,731 |
| Credit loss provision to net charge-offs | 362.3693% | 1,127 |
| Earnings coverage of net charge-offs (x) | 19.0173% | 1,317 |
| Efficiency ratio | 66.2420% | 5,322 |
| Assets per employee ($millions) | 4.6618% | 2,614 |
| Cash dividends to net income (ytd only)* | 69.3241% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,402 |
| Loan loss allowance to noncurrent loans | 77.1272% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6796% | 2,599 |
| Noncurrent loans to loans | 1.4942% | 4,422 |
| Net loans and leases to total assets | 78.7722% | 1,429 |
| Net loans and leases to deposits | 121.9647% | 172 |
| Net loans and leases to core deposits | 147.2295% | 653 |
| Total domestic deposits to total assets | 64.5861% | 7,743 |
| Equity capital to assets | 12.5333% | 1,931 |
| Core capital (leverage) ratio | 11.6262% | 2,006 |
| Tier 1 risk-based capital ratio | 13.7992% | 3,666 |
| Total risk-based capital ratio | 14.8982% | 3,687 |
| Memoranda: | ||
| Average total assets | $523,865,000 | 1,328 |
| Average earning assets | $489,194,500 | 1,302 |
| Average equity | $58,336,000 | 1,147 |
| Average total loans | $404,730,000 | 1,207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 7,087 |
| Cost of funding earning assets | 1.8855% | 4,345 |
| Net interest margin | 2.9889% | 6,584 |
| Noninterest income to average assets | 0.0165% | 7,884 |
| Noninterest expense to average assets | 1.9260% | 7,591 |
| Loan and lease loss provision to assets | 0.2297% | 4,746 |
| Net operating income to assets | 0.4098% | 4,473 |
| Return on assets (ROA) | 0.4098% | 4,581 |
| Pretax return on assets | 0.6561% | 4,141 |
| Return on Equity (ROE) | 3.4066% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.4066% | 3,425 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4967% | 5,072 |
| Assets per employee ($millions) | 9.4561% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,953 |
| Loan loss allowance to noncurrent loans | 56.5908% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 5.0080% | 1,058 |
| Noncurrent loans to loans | 1.8428% | 3,747 |
| Net loans and leases to total assets | 93.2783% | 36 |
| Net loans and leases to deposits | 148.2758% | 60 |
| Net loans and leases to core deposits | 189.9363% | 160 |
| Total domestic deposits to total assets | 62.9086% | 7,867 |
| Equity capital to assets | 15.8288% | 855 |
| Core capital (leverage) ratio | 15.7196% | 785 |
| Tier 1 risk-based capital ratio | 16.0053% | 2,624 |
| Total risk-based capital ratio | 17.0035% | 2,644 |
| Memoranda: | ||
| Average total assets | $217,657,330 | 3,005 |
| Average earning assets | $203,553,670 | 2,953 |
| Average equity | $26,184,330 | 2,544 |
| Average total loans | $199,775,670 | 2,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 7,302 |
| Cost of funding earning assets | 2.1341% | 3,498 |
| Net interest margin | 2.7094% | 7,182 |
| Noninterest income to average assets | 0.0423% | 7,874 |
| Noninterest expense to average assets | 1.8573% | 7,626 |
| Loan and lease loss provision to assets | 0.2296% | 4,152 |
| Net operating income to assets | 0.3068% | 5,271 |
| Return on assets (ROA) | 0.3068% | 5,446 |
| Pretax return on assets | 0.4905% | 5,107 |
| Return on Equity (ROE) | 3.0276% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.0276% | 4,193 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0599% | 4,184 |
| Assets per employee ($millions) | 8.3071% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 6,077 |
| Loan loss allowance to noncurrent loans | 42.0426% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 5.3115% | 818 |
| Noncurrent loans to loans | 2.4151% | 2,727 |
| Net loans and leases to total assets | 90.8572% | 106 |
| Net loans and leases to deposits | 136.4415% | 105 |
| Net loans and leases to core deposits | 176.9814% | 269 |
| Total domestic deposits to total assets | 66.5906% | 7,697 |
| Equity capital to assets | 10.2540% | 3,706 |
| Core capital (leverage) ratio | 10.2857% | 3,124 |
| Tier 1 risk-based capital ratio | 10.5378% | 6,360 |
| Total risk-based capital ratio | 11.5020% | 6,570 |
| Memoranda: | ||
| Average total assets | $217,741,000 | 3,016 |
| Average earning assets | $203,735,000 | 2,970 |
| Average equity | $22,063,500 | 2,966 |
| Average total loans | $197,159,000 | 2,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7881% | 6,473 |
| Cost of funding earning assets | 3.5477% | 455 |
| Net interest margin | 2.2404% | 7,945 |
| Noninterest income to average assets | 0.0438% | 7,922 |
| Noninterest expense to average assets | 1.7993% | 7,757 |
| Loan and lease loss provision to assets | 0.9140% | 1,631 |
| Net operating income to assets | -0.3402% | 6,764 |
| Return on assets (ROA) | -0.3402% | 6,641 |
| Pretax return on assets | -0.5393% | 6,681 |
| Return on Equity (ROE) | -3.1802% | 6,643 |
| Retained earnings to average equity (ytd only) | -3.1802% | 6,148 |
| Net charge-offs to loans | 0.9785% | 1,265 |
| Credit loss provision to net charge-offs | 101.0764% | 5,254 |
| Earnings coverage of net charge-offs (x) | 0.4144% | 5,986 |
| Efficiency ratio | 82.7625% | 2,211 |
| Assets per employee ($millions) | 8.7799% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,319 |
| Loan loss allowance to noncurrent loans | 188.8000% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 3.5572% | 1,244 |
| Noncurrent loans to loans | 0.5100% | 5,824 |
| Net loans and leases to total assets | 88.4655% | 326 |
| Net loans and leases to deposits | 117.6578% | 455 |
| Net loans and leases to core deposits | 176.9939% | 316 |
| Total domestic deposits to total assets | 75.1888% | 6,409 |
| Equity capital to assets | 10.0138% | 4,021 |
| Core capital (leverage) ratio | 10.3354% | 3,135 |
| Tier 1 risk-based capital ratio | 10.4655% | 6,240 |
| Total risk-based capital ratio | 11.3705% | 6,468 |
| Memoranda: | ||
| Average total assets | $205,466,200 | 3,063 |
| Average earning assets | $195,366,600 | 2,955 |
| Average equity | $21,980,000 | 2,975 |
| Average total loans | $189,881,200 | 2,394 |