Home > United Security Bank > Performance and Condition Ratios
United Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 1,551 |
| Cost of funding earning assets | 0.8939% | 3,527 |
| Net interest margin | 4.3694% | 735 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.9921% | 3,655 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.6146% | 845 |
| Return on assets (ROA) | 1.6170% | 810 |
| Pretax return on assets | 2.2462% | 465 |
| Return on Equity (ROE) | 16.4400% | 1,027 |
| Retained earnings to average equity (ytd only) | 9.6599% | 1,099 |
| Net charge-offs to loans | 0.2457% | 433 |
| Credit loss provision to net charge-offs | 61.9940% | 2,137 |
| Earnings coverage of net charge-offs (x) | 12.7431% | 2,131 |
| Efficiency ratio | 45.7697% | 4,199 |
| Assets per employee ($millions) | 10.6152% | 598 |
| Cash dividends to net income (ytd only)* | 41.2445% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 656 |
| Loan loss allowance to noncurrent loans | 131.9791% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 509 |
| Noncurrent loans to loans | 1.2895% | 546 |
| Net loans and leases to total assets | 74.7300% | 1,268 |
| Net loans and leases to deposits | 89.7373% | 1,292 |
| Net loans and leases to core deposits | 91.8097% | 1,916 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 10.8921% | 1,529 |
| Core capital (leverage) ratio | 11.8289% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,267,123,400 | 821 |
| Average earning assets | $1,147,400,800 | 821 |
| Average equity | $124,629,000 | 795 |
| Average total loans | $955,188,600 | 755 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 1,525 |
| Cost of funding earning assets | 0.8051% | 3,503 |
| Net interest margin | 4.3560% | 743 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.9289% | 3,762 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.6154% | 917 |
| Return on assets (ROA) | 1.6073% | 926 |
| Pretax return on assets | 2.2648% | 508 |
| Return on Equity (ROE) | 16.7700% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.9373% | 1,423 |
| Net charge-offs to loans | 0.1894% | 462 |
| Credit loss provision to net charge-offs | 34.1855% | 1,956 |
| Earnings coverage of net charge-offs (x) | 16.4120% | 1,934 |
| Efficiency ratio | 45.2080% | 4,178 |
| Assets per employee ($millions) | 11.1732% | 477 |
| Cash dividends to net income (ytd only)* | 40.7328% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 870 |
| Loan loss allowance to noncurrent loans | 110.8522% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 431 |
| Noncurrent loans to loans | 1.4511% | 507 |
| Net loans and leases to total assets | 75.1500% | 1,218 |
| Net loans and leases to deposits | 96.6196% | 708 |
| Net loans and leases to core deposits | 98.6632% | 1,403 |
| Total domestic deposits to total assets | 77.7800% | 3,844 |
| Equity capital to assets | 9.7352% | 1,971 |
| Core capital (leverage) ratio | 11.4165% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,281,369,750 | 818 |
| Average earning assets | $1,161,948,000 | 819 |
| Average equity | $122,833,750 | 797 |
| Average total loans | $963,975,250 | 754 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 1,404 |
| Cost of funding earning assets | 0.6542% | 3,618 |
| Net interest margin | 4.4260% | 677 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8995% | 3,824 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6848% | 809 |
| Return on assets (ROA) | 1.6839% | 815 |
| Pretax return on assets | 2.3745% | 421 |
| Return on Equity (ROE) | 17.6600% | 992 |
| Retained earnings to average equity (ytd only) | 10.9013% | 1,205 |
| Net charge-offs to loans | 0.1877% | 425 |
| Credit loss provision to net charge-offs | 51.2195% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.5698% | 1,795 |
| Efficiency ratio | 43.4848% | 4,279 |
| Assets per employee ($millions) | 11.2134% | 484 |
| Cash dividends to net income (ytd only)* | 38.2609% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 784 |
| Loan loss allowance to noncurrent loans | 120.4576% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 433 |
| Noncurrent loans to loans | 1.3929% | 504 |
| Net loans and leases to total assets | 73.2100% | 1,385 |
| Net loans and leases to deposits | 89.9206% | 1,194 |
| Net loans and leases to core deposits | 91.6029% | 1,709 |
| Total domestic deposits to total assets | 81.4100% | 3,358 |
| Equity capital to assets | 9.6449% | 2,067 |
| Core capital (leverage) ratio | 11.1809% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,283,911,333 | 803 |
| Average earning assets | $1,167,248,000 | 810 |
| Average equity | $122,444,667 | 798 |
| Average total loans | $961,009,667 | 738 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 1,218 |
| Cost of funding earning assets | 0.4906% | 3,724 |
| Net interest margin | 4.5149% | 578 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.8881% | 3,876 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 1.8974% | 577 |
| Return on assets (ROA) | 1.9081% | 561 |
| Pretax return on assets | 2.6933% | 291 |
| Return on Equity (ROE) | 20.1200% | 749 |
| Retained earnings to average equity (ytd only) | 13.6023% | 996 |
| Net charge-offs to loans | 0.1810% | 399 |
| Credit loss provision to net charge-offs | -113.3333% | 4,598 |
| Earnings coverage of net charge-offs (x) | 18.5977% | 1,483 |
| Efficiency ratio | 42.7743% | 4,353 |
| Assets per employee ($millions) | 10.8780% | 527 |
| Cash dividends to net income (ytd only)* | 32.4006% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 893 |
| Loan loss allowance to noncurrent loans | 115.0622% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 368 |
| Noncurrent loans to loans | 1.4402% | 457 |
| Net loans and leases to total assets | 73.4700% | 1,271 |
| Net loans and leases to deposits | 83.1961% | 1,555 |
| Net loans and leases to core deposits | 84.3715% | 1,964 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 9.6526% | 2,034 |
| Core capital (leverage) ratio | 10.8841% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,281,095,000 | 825 |
| Average earning assets | $1,163,514,000 | 829 |
| Average equity | $121,479,500 | 810 |
| Average total loans | $961,453,500 | 751 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 1,691 |
| Cost of funding earning assets | 0.2294% | 3,522 |
| Net interest margin | 3.7801% | 1,199 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.7474% | 4,093 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3733% | 1,201 |
| Return on assets (ROA) | 1.3497% | 1,237 |
| Pretax return on assets | 1.9005% | 586 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.3729% | 1,689 |
| Net charge-offs to loans | 0.1025% | 723 |
| Credit loss provision to net charge-offs | 189.2857% | 1,157 |
| Earnings coverage of net charge-offs (x) | 29.0105% | 1,702 |
| Efficiency ratio | 45.8333% | 4,354 |
| Assets per employee ($millions) | 11.1140% | 490 |
| Cash dividends to net income (ytd only)* | 43.7760% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,159 |
| Loan loss allowance to noncurrent loans | 68.8159% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 343 |
| Noncurrent loans to loans | 1.5095% | 430 |
| Net loans and leases to total assets | 74.6000% | 1,168 |
| Net loans and leases to deposits | 82.9750% | 1,542 |
| Net loans and leases to core deposits | 84.0072% | 1,878 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 9.3174% | 2,143 |
| Core capital (leverage) ratio | 10.1131% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,337,378,600 | 766 |
| Average earning assets | $1,228,508,800 | 774 |
| Average equity | $121,212,400 | 804 |
| Average total loans | $928,649,400 | 730 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 2,001 |
| Cost of funding earning assets | 0.1831% | 3,481 |
| Net interest margin | 3.5308% | 1,576 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.6959% | 4,158 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2663% | 1,467 |
| Return on assets (ROA) | 1.2329% | 1,555 |
| Pretax return on assets | 1.7361% | 834 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.1798% | 2,307 |
| Net charge-offs to loans | 0.0710% | 797 |
| Credit loss provision to net charge-offs | 249.3852% | 899 |
| Earnings coverage of net charge-offs (x) | 39.3033% | 1,397 |
| Efficiency ratio | 47.1756% | 4,322 |
| Assets per employee ($millions) | 11.7994% | 408 |
| Cash dividends to net income (ytd only)* | 47.5747% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,273 |
| Loan loss allowance to noncurrent loans | 90.2916% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 615 |
| Noncurrent loans to loans | 1.1583% | 636 |
| Net loans and leases to total assets | 69.5600% | 1,519 |
| Net loans and leases to deposits | 76.5156% | 1,833 |
| Net loans and leases to core deposits | 77.8285% | 2,051 |
| Total domestic deposits to total assets | 90.9100% | 1,276 |
| Equity capital to assets | 8.4248% | 2,593 |
| Core capital (leverage) ratio | 9.8253% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,346,639,000 | 768 |
| Average earning assets | $1,238,685,000 | 774 |
| Average equity | $121,226,000 | 817 |
| Average total loans | $915,766,750 | 740 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 2,436 |
| Cost of funding earning assets | 0.1658% | 3,368 |
| Net interest margin | 3.2339% | 2,095 |
| Noninterest income to average assets | 0.3614% | 2,983 |
| Noninterest expense to average assets | 1.6513% | 4,210 |
| Loan and lease loss provision to assets | 0.0912% | 1,086 |
| Net operating income to assets | 1.1410% | 1,627 |
| Return on assets (ROA) | 1.1081% | 1,722 |
| Pretax return on assets | 1.5574% | 1,032 |
| Return on Equity (ROE) | 12.0457% | 1,659 |
| Retained earnings to average equity (ytd only) | 5.6349% | 2,455 |
| Net charge-offs to loans | 0.0082% | 1,688 |
| Credit loss provision to net charge-offs | 1,651.3514% | 279 |
| Earnings coverage of net charge-offs (x) | 305.9189% | 398 |
| Efficiency ratio | 49.4168% | 4,286 |
| Assets per employee ($millions) | 11.8418% | 395 |
| Cash dividends to net income (ytd only)* | 53.2210% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,413 |
| Loan loss allowance to noncurrent loans | 87.3787% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 611 |
| Noncurrent loans to loans | 1.1935% | 669 |
| Net loans and leases to total assets | 70.2536% | 1,280 |
| Net loans and leases to deposits | 77.6310% | 1,565 |
| Net loans and leases to core deposits | 78.9791% | 1,778 |
| Total domestic deposits to total assets | 90.4969% | 1,466 |
| Equity capital to assets | 8.8445% | 2,506 |
| Core capital (leverage) ratio | 9.6925% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,339,273,333 | 767 |
| Average earning assets | $1,234,243,000 | 776 |
| Average equity | $123,197,000 | 812 |
| Average total loans | $900,300,000 | 740 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 2,601 |
| Cost of funding earning assets | 0.1640% | 3,309 |
| Net interest margin | 3.0660% | 2,277 |
| Noninterest income to average assets | 0.2735% | 3,499 |
| Noninterest expense to average assets | 1.6874% | 4,153 |
| Loan and lease loss provision to assets | 0.0015% | 2,267 |
| Net operating income to assets | 1.0132% | 1,820 |
| Return on assets (ROA) | 0.9703% | 1,994 |
| Pretax return on assets | 1.3602% | 1,357 |
| Return on Equity (ROE) | 10.3486% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.0598% | 2,912 |
| Net charge-offs to loans | 0.0283% | 1,036 |
| Credit loss provision to net charge-offs | 8.0645% | 1,319 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 762 |
| Efficiency ratio | 54.3723% | 4,030 |
| Assets per employee ($millions) | 12.1577% | 380 |
| Cash dividends to net income (ytd only)* | 60.7692% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,508 |
| Loan loss allowance to noncurrent loans | 81.8711% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 644 |
| Noncurrent loans to loans | 1.2884% | 678 |
| Net loans and leases to total assets | 64.4758% | 1,556 |
| Net loans and leases to deposits | 71.4916% | 1,823 |
| Net loans and leases to core deposits | 72.6772% | 2,054 |
| Total domestic deposits to total assets | 90.1865% | 1,452 |
| Equity capital to assets | 9.0551% | 2,665 |
| Core capital (leverage) ratio | 9.5451% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,339,847,500 | 769 |
| Average earning assets | $1,236,664,500 | 783 |
| Average equity | $125,620,500 | 821 |
| Average total loans | $875,456,000 | 744 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3560% | 3,037 |
| Cost of funding earning assets | 0.1689% | 3,783 |
| Net interest margin | 3.1871% | 2,637 |
| Noninterest income to average assets | 0.3240% | 3,465 |
| Noninterest expense to average assets | 1.8807% | 3,964 |
| Loan and lease loss provision to assets | 0.1719% | 675 |
| Net operating income to assets | 0.9003% | 3,045 |
| Return on assets (ROA) | 0.8935% | 3,125 |
| Pretax return on assets | 1.1853% | 2,710 |
| Return on Equity (ROE) | 8.5995% | 3,050 |
| Retained earnings to average equity (ytd only) | 2.4056% | 3,856 |
| Net charge-offs to loans | 0.1682% | 569 |
| Credit loss provision to net charge-offs | 162.5772% | 1,441 |
| Earnings coverage of net charge-offs (x) | 12.9190% | 2,096 |
| Efficiency ratio | 57.9300% | 3,459 |
| Assets per employee ($millions) | 11.1781% | 485 |
| Cash dividends to net income (ytd only)* | 72.0259% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,476 |
| Loan loss allowance to noncurrent loans | 78.4879% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 656 |
| Noncurrent loans to loans | 1.3644% | 684 |
| Net loans and leases to total assets | 64.8178% | 1,606 |
| Net loans and leases to deposits | 72.3572% | 1,877 |
| Net loans and leases to core deposits | 73.6210% | 2,110 |
| Total domestic deposits to total assets | 89.5803% | 1,186 |
| Equity capital to assets | 9.7010% | 2,941 |
| Core capital (leverage) ratio | 9.6366% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,225,865,600 | 812 |
| Average earning assets | $1,124,110,800 | 821 |
| Average equity | $127,368,000 | 815 |
| Average total loans | $770,306,400 | 817 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 3,165 |
| Cost of funding earning assets | 0.1691% | 3,932 |
| Net interest margin | 3.2096% | 2,701 |
| Noninterest income to average assets | 0.3044% | 3,612 |
| Noninterest expense to average assets | 1.8796% | 3,993 |
| Loan and lease loss provision to assets | 0.1838% | 581 |
| Net operating income to assets | 0.8419% | 3,411 |
| Return on assets (ROA) | 0.8354% | 3,490 |
| Pretax return on assets | 1.1670% | 3,032 |
| Return on Equity (ROE) | 7.8948% | 3,435 |
| Retained earnings to average equity (ytd only) | 1.6804% | 4,278 |
| Net charge-offs to loans | 0.1847% | 463 |
| Credit loss provision to net charge-offs | 160.2713% | 1,318 |
| Earnings coverage of net charge-offs (x) | 11.8508% | 1,979 |
| Efficiency ratio | 58.0360% | 3,258 |
| Assets per employee ($millions) | 11.2302% | 450 |
| Cash dividends to net income (ytd only)* | 78.7149% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,292 |
| Loan loss allowance to noncurrent loans | 77.0345% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 740 |
| Noncurrent loans to loans | 1.4670% | 721 |
| Net loans and leases to total assets | 61.9426% | 2,010 |
| Net loans and leases to deposits | 69.3424% | 2,301 |
| Net loans and leases to core deposits | 70.6985% | 2,536 |
| Total domestic deposits to total assets | 89.3287% | 1,107 |
| Equity capital to assets | 9.9148% | 2,987 |
| Core capital (leverage) ratio | 9.7958% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,199,784,250 | 838 |
| Average earning assets | $1,096,886,500 | 847 |
| Average equity | $126,949,500 | 827 |
| Average total loans | $744,999,750 | 856 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 3,298 |
| Cost of funding earning assets | 0.1676% | 4,063 |
| Net interest margin | 3.1872% | 2,790 |
| Noninterest income to average assets | 0.3045% | 3,611 |
| Noninterest expense to average assets | 1.8575% | 4,059 |
| Loan and lease loss provision to assets | 0.2054% | 539 |
| Net operating income to assets | 0.8271% | 3,434 |
| Return on assets (ROA) | 0.8190% | 3,518 |
| Pretax return on assets | 1.1433% | 3,080 |
| Return on Equity (ROE) | 7.5650% | 3,512 |
| Retained earnings to average equity (ytd only) | 1.3319% | 4,272 |
| Net charge-offs to loans | 0.1445% | 565 |
| Credit loss provision to net charge-offs | 229.6367% | 993 |
| Earnings coverage of net charge-offs (x) | 15.1912% | 1,641 |
| Efficiency ratio | 57.7484% | 3,317 |
| Assets per employee ($millions) | 10.6936% | 500 |
| Cash dividends to net income (ytd only)* | 82.3935% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,450 |
| Loan loss allowance to noncurrent loans | 80.5463% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 813 |
| Noncurrent loans to loans | 1.3565% | 861 |
| Net loans and leases to total assets | 67.7245% | 1,483 |
| Net loans and leases to deposits | 76.1714% | 1,801 |
| Net loans and leases to core deposits | 77.7011% | 2,074 |
| Total domestic deposits to total assets | 88.9107% | 1,325 |
| Equity capital to assets | 10.3485% | 2,542 |
| Core capital (leverage) ratio | 10.1074% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,169,222,667 | 849 |
| Average earning assets | $1,068,270,667 | 859 |
| Average equity | $126,583,667 | 826 |
| Average total loans | $723,628,333 | 871 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 3,499 |
| Cost of funding earning assets | 0.1640% | 4,208 |
| Net interest margin | 3.1163% | 2,940 |
| Noninterest income to average assets | 0.2940% | 3,642 |
| Noninterest expense to average assets | 1.8951% | 3,994 |
| Loan and lease loss provision to assets | 0.1317% | 1,038 |
| Net operating income to assets | 0.8026% | 3,418 |
| Return on assets (ROA) | 0.7860% | 3,533 |
| Pretax return on assets | 1.0964% | 3,122 |
| Return on Equity (ROE) | 7.0910% | 3,584 |
| Retained earnings to average equity (ytd only) | 0.8365% | 4,246 |
| Net charge-offs to loans | 0.2095% | 393 |
| Credit loss provision to net charge-offs | 107.7586% | 1,076 |
| Earnings coverage of net charge-offs (x) | 10.2213% | 1,507 |
| Efficiency ratio | 60.2703% | 3,001 |
| Assets per employee ($millions) | 9.9700% | 599 |
| Cash dividends to net income (ytd only)* | 88.2038% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,578 |
| Loan loss allowance to noncurrent loans | 73.5651% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 823 |
| Noncurrent loans to loans | 1.7229% | 697 |
| Net loans and leases to total assets | 56.1298% | 3,020 |
| Net loans and leases to deposits | 63.3831% | 3,179 |
| Net loans and leases to core deposits | 64.6600% | 3,349 |
| Total domestic deposits to total assets | 88.5563% | 1,582 |
| Equity capital to assets | 10.6226% | 2,151 |
| Core capital (leverage) ratio | 10.8786% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,138,954,000 | 857 |
| Average earning assets | $1,041,764,000 | 868 |
| Average equity | $126,244,500 | 822 |
| Average total loans | $664,418,000 | 930 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 3,778 |
| Cost of funding earning assets | 0.2140% | 4,535 |
| Net interest margin | 3.3978% | 2,784 |
| Noninterest income to average assets | 0.3439% | 3,406 |
| Noninterest expense to average assets | 2.0096% | 4,123 |
| Loan and lease loss provision to assets | 0.2668% | 1,448 |
| Net operating income to assets | 0.8313% | 2,974 |
| Return on assets (ROA) | 0.8371% | 3,081 |
| Pretax return on assets | 1.1585% | 2,485 |
| Return on Equity (ROE) | 6.9250% | 3,231 |
| Retained earnings to average equity (ytd only) | 0.5277% | 4,362 |
| Net charge-offs to loans | 0.3384% | 518 |
| Credit loss provision to net charge-offs | 128.4919% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.8292% | 2,745 |
| Efficiency ratio | 58.6287% | 3,644 |
| Assets per employee ($millions) | 9.0205% | 736 |
| Cash dividends to net income (ytd only)* | 92.3794% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,395 |
| Loan loss allowance to noncurrent loans | 70.9634% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 791 |
| Noncurrent loans to loans | 1.8353% | 673 |
| Net loans and leases to total assets | 59.1697% | 2,963 |
| Net loans and leases to deposits | 67.5794% | 3,124 |
| Net loans and leases to core deposits | 69.0770% | 3,327 |
| Total domestic deposits to total assets | 87.5558% | 1,682 |
| Equity capital to assets | 11.5860% | 1,822 |
| Core capital (leverage) ratio | 11.1656% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,037,805,800 | 850 |
| Average earning assets | $941,909,400 | 862 |
| Average equity | $125,443,600 | 786 |
| Average total loans | $636,737,000 | 929 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 3,888 |
| Cost of funding earning assets | 0.2244% | 4,590 |
| Net interest margin | 3.4378% | 2,787 |
| Noninterest income to average assets | 0.2637% | 3,886 |
| Noninterest expense to average assets | 1.9513% | 4,252 |
| Loan and lease loss provision to assets | 0.2783% | 1,444 |
| Net operating income to assets | 0.8227% | 3,007 |
| Return on assets (ROA) | 0.8318% | 3,101 |
| Pretax return on assets | 1.1609% | 2,526 |
| Return on Equity (ROE) | 6.8066% | 3,269 |
| Retained earnings to average equity (ytd only) | 0.3877% | 4,408 |
| Net charge-offs to loans | 0.2821% | 562 |
| Credit loss provision to net charge-offs | 159.7907% | 2,271 |
| Earnings coverage of net charge-offs (x) | 8.1973% | 2,518 |
| Efficiency ratio | 57.7504% | 3,699 |
| Assets per employee ($millions) | 9.3642% | 623 |
| Cash dividends to net income (ytd only)* | 94.3045% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,084 |
| Loan loss allowance to noncurrent loans | 75.1467% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 1,019 |
| Noncurrent loans to loans | 1.7546% | 765 |
| Net loans and leases to total assets | 57.5200% | 3,465 |
| Net loans and leases to deposits | 65.3239% | 3,669 |
| Net loans and leases to core deposits | 66.7765% | 3,843 |
| Total domestic deposits to total assets | 88.0535% | 1,202 |
| Equity capital to assets | 11.1383% | 2,291 |
| Core capital (leverage) ratio | 11.2410% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,024,387,500 | 847 |
| Average earning assets | $928,237,750 | 864 |
| Average equity | $125,189,750 | 781 |
| Average total loans | $632,334,500 | 932 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 3,548 |
| Cost of funding earning assets | 0.2494% | 4,624 |
| Net interest margin | 3.6752% | 2,255 |
| Noninterest income to average assets | 0.3882% | 3,153 |
| Noninterest expense to average assets | 2.1551% | 3,917 |
| Loan and lease loss provision to assets | 0.4319% | 906 |
| Net operating income to assets | 0.7994% | 3,047 |
| Return on assets (ROA) | 0.8130% | 3,116 |
| Pretax return on assets | 1.1350% | 2,598 |
| Return on Equity (ROE) | 6.4348% | 3,352 |
| Retained earnings to average equity (ytd only) | -0.1089% | 4,326 |
| Net charge-offs to loans | 0.3788% | 420 |
| Credit loss provision to net charge-offs | 180.8475% | 1,991 |
| Earnings coverage of net charge-offs (x) | 6.4890% | 2,433 |
| Efficiency ratio | 58.1699% | 3,668 |
| Assets per employee ($millions) | 8.4559% | 821 |
| Cash dividends to net income (ytd only)* | 101.6928% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,707 |
| Loan loss allowance to noncurrent loans | 74.5207% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 917 |
| Noncurrent loans to loans | 1.8333% | 761 |
| Net loans and leases to total assets | 62.0179% | 3,124 |
| Net loans and leases to deposits | 71.4083% | 3,313 |
| Net loans and leases to core deposits | 73.1975% | 3,508 |
| Total domestic deposits to total assets | 86.8497% | 1,683 |
| Equity capital to assets | 12.1513% | 1,568 |
| Core capital (leverage) ratio | 12.1042% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9737% | 1,250 |
| Memoranda: | ||
| Average total assets | $988,162,333 | 864 |
| Average earning assets | $891,765,000 | 882 |
| Average equity | $124,851,667 | 772 |
| Average total loans | $622,964,000 | 937 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,940 |
| Cost of funding earning assets | 0.3046% | 4,648 |
| Net interest margin | 3.9903% | 1,417 |
| Noninterest income to average assets | 0.3402% | 3,485 |
| Noninterest expense to average assets | 2.1800% | 4,061 |
| Loan and lease loss provision to assets | 0.7065% | 370 |
| Net operating income to assets | 0.7562% | 3,074 |
| Return on assets (ROA) | 0.7607% | 3,132 |
| Pretax return on assets | 1.0604% | 2,637 |
| Return on Equity (ROE) | 5.9005% | 3,351 |
| Retained earnings to average equity (ytd only) | -0.4141% | 4,057 |
| Net charge-offs to loans | 0.3245% | 449 |
| Credit loss provision to net charge-offs | 344.8485% | 1,087 |
| Earnings coverage of net charge-offs (x) | 8.5960% | 1,860 |
| Efficiency ratio | 55.3140% | 4,280 |
| Assets per employee ($millions) | 7.8794% | 775 |
| Cash dividends to net income (ytd only)* | 107.0185% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,481 |
| Loan loss allowance to noncurrent loans | 69.5652% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 817 |
| Noncurrent loans to loans | 2.1020% | 650 |
| Net loans and leases to total assets | 62.9008% | 3,199 |
| Net loans and leases to deposits | 72.8834% | 3,365 |
| Net loans and leases to core deposits | 74.5772% | 3,601 |
| Total domestic deposits to total assets | 86.3034% | 1,872 |
| Equity capital to assets | 12.7463% | 1,592 |
| Core capital (leverage) ratio | 12.7626% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2100% | 1,298 |
| Memoranda: | ||
| Average total assets | $966,434,500 | 851 |
| Average earning assets | $872,106,000 | 873 |
| Average equity | $124,600,000 | 771 |
| Average total loans | $610,121,000 | 932 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 2,301 |
| Cost of funding earning assets | 0.3958% | 4,453 |
| Net interest margin | 4.3107% | 1,072 |
| Noninterest income to average assets | 0.4188% | 3,181 |
| Noninterest expense to average assets | 2.1496% | 4,271 |
| Loan and lease loss provision to assets | 0.0021% | 3,951 |
| Net operating income to assets | 1.5328% | 981 |
| Return on assets (ROA) | 1.5424% | 1,016 |
| Pretax return on assets | 2.1617% | 411 |
| Return on Equity (ROE) | 12.2169% | 1,430 |
| Retained earnings to average equity (ytd only) | 5.3508% | 2,248 |
| Net charge-offs to loans | 0.0872% | 1,876 |
| Credit loss provision to net charge-offs | 3.9448% | 3,374 |
| Earnings coverage of net charge-offs (x) | 40.8580% | 1,301 |
| Efficiency ratio | 49.9771% | 4,733 |
| Assets per employee ($millions) | 8.0322% | 703 |
| Cash dividends to net income (ytd only)* | 56.2020% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,812 |
| Loan loss allowance to noncurrent loans | 65.4473% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9706% | 400 |
| Noncurrent loans to loans | 2.0255% | 631 |
| Net loans and leases to total assets | 61.5850% | 3,444 |
| Net loans and leases to deposits | 71.6751% | 3,544 |
| Net loans and leases to core deposits | 73.4619% | 3,761 |
| Total domestic deposits to total assets | 85.9225% | 2,098 |
| Equity capital to assets | 13.0424% | 1,493 |
| Core capital (leverage) ratio | 12.8297% | 1,320 |
| Tier 1 risk-based capital ratio | 16.6144% | 2,179 |
| Total risk-based capital ratio | 17.7758% | 2,152 |
| Memoranda: | ||
| Average total assets | $962,761,600 | 813 |
| Average earning assets | $867,114,800 | 833 |
| Average equity | $121,552,800 | 751 |
| Average total loans | $581,260,000 | 934 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 2,141 |
| Cost of funding earning assets | 0.4265% | 4,412 |
| Net interest margin | 4.3655% | 1,020 |
| Noninterest income to average assets | 0.4339% | 3,117 |
| Noninterest expense to average assets | 2.1369% | 4,299 |
| Loan and lease loss provision to assets | 0.0021% | 3,814 |
| Net operating income to assets | 1.5832% | 972 |
| Return on assets (ROA) | 1.5972% | 982 |
| Pretax return on assets | 2.2450% | 419 |
| Return on Equity (ROE) | 12.7551% | 1,370 |
| Retained earnings to average equity (ytd only) | 5.7240% | 2,493 |
| Net charge-offs to loans | 0.0416% | 2,267 |
| Credit loss provision to net charge-offs | 8.3333% | 3,010 |
| Earnings coverage of net charge-offs (x) | 89.5959% | 803 |
| Efficiency ratio | 48.9410% | 4,801 |
| Assets per employee ($millions) | 8.2432% | 632 |
| Cash dividends to net income (ytd only)* | 55.1238% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,410 |
| Loan loss allowance to noncurrent loans | 62.9061% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9690% | 447 |
| Noncurrent loans to loans | 2.2973% | 533 |
| Net loans and leases to total assets | 58.6973% | 3,808 |
| Net loans and leases to deposits | 68.2061% | 3,905 |
| Net loans and leases to core deposits | 69.8305% | 4,068 |
| Total domestic deposits to total assets | 86.0587% | 1,972 |
| Equity capital to assets | 12.9197% | 1,674 |
| Core capital (leverage) ratio | 12.2892% | 1,687 |
| Tier 1 risk-based capital ratio | 16.9269% | 2,105 |
| Total risk-based capital ratio | 18.1752% | 2,052 |
| Memoranda: | ||
| Average total assets | $964,495,000 | 808 |
| Average earning assets | $868,783,750 | 834 |
| Average equity | $120,775,250 | 755 |
| Average total loans | $577,436,250 | 937 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 2,177 |
| Cost of funding earning assets | 0.3950% | 4,535 |
| Net interest margin | 4.3684% | 1,000 |
| Noninterest income to average assets | 0.4243% | 3,103 |
| Noninterest expense to average assets | 2.1390% | 4,347 |
| Loan and lease loss provision to assets | 0.0021% | 3,665 |
| Net operating income to assets | 1.5800% | 950 |
| Return on assets (ROA) | 1.5979% | 963 |
| Pretax return on assets | 2.2461% | 401 |
| Return on Equity (ROE) | 12.8957% | 1,279 |
| Retained earnings to average equity (ytd only) | 5.5718% | 2,487 |
| Net charge-offs to loans | -0.0162% | 4,480 |
| Credit loss provision to net charge-offs | -21.2766% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0099% | 4,837 |
| Assets per employee ($millions) | 8.3078% | 598 |
| Cash dividends to net income (ytd only)* | 56.7935% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,346 |
| Loan loss allowance to noncurrent loans | 70.5568% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 583 |
| Noncurrent loans to loans | 2.0913% | 662 |
| Net loans and leases to total assets | 56.1419% | 4,070 |
| Net loans and leases to deposits | 64.6028% | 4,190 |
| Net loans and leases to core deposits | 66.1277% | 4,311 |
| Total domestic deposits to total assets | 86.9031% | 1,639 |
| Equity capital to assets | 12.1141% | 2,107 |
| Core capital (leverage) ratio | 12.3326% | 1,619 |
| Tier 1 risk-based capital ratio | 16.7894% | 2,144 |
| Total risk-based capital ratio | 18.0397% | 2,089 |
| Memoranda: | ||
| Average total assets | $967,255,670 | 806 |
| Average earning assets | $872,447,670 | 827 |
| Average equity | $119,853,670 | 749 |
| Average total loans | $580,081,330 | 935 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 1,639 |
| Cost of funding earning assets | 0.3897% | 4,530 |
| Net interest margin | 4.4945% | 749 |
| Noninterest income to average assets | 0.4307% | 2,975 |
| Noninterest expense to average assets | 2.2314% | 4,183 |
| Loan and lease loss provision to assets | 0.0025% | 3,385 |
| Net operating income to assets | 1.5995% | 898 |
| Return on assets (ROA) | 1.6185% | 893 |
| Pretax return on assets | 2.2732% | 379 |
| Return on Equity (ROE) | 12.9091% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.0996% | 2,418 |
| Net charge-offs to loans | -0.0110% | 4,261 |
| Credit loss provision to net charge-offs | -37.5000% | 3,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7742% | 4,848 |
| Assets per employee ($millions) | 7.6546% | 761 |
| Cash dividends to net income (ytd only)* | 52.7495% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,503 |
| Loan loss allowance to noncurrent loans | 71.5549% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 575 |
| Noncurrent loans to loans | 2.0294% | 726 |
| Net loans and leases to total assets | 59.2236% | 3,768 |
| Net loans and leases to deposits | 68.5058% | 3,881 |
| Net loans and leases to core deposits | 70.2071% | 4,076 |
| Total domestic deposits to total assets | 86.4505% | 2,097 |
| Equity capital to assets | 12.4372% | 1,774 |
| Core capital (leverage) ratio | 12.3235% | 1,593 |
| Tier 1 risk-based capital ratio | 16.5097% | 2,260 |
| Total risk-based capital ratio | 17.7600% | 2,214 |
| Memoranda: | ||
| Average total assets | $948,264,000 | 827 |
| Average earning assets | $855,000,000 | 845 |
| Average equity | $118,892,500 | 751 |
| Average total loans | $583,716,000 | 939 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,906 |
| Cost of funding earning assets | 0.2899% | 4,616 |
| Net interest margin | 4.3883% | 967 |
| Noninterest income to average assets | 0.5167% | 2,736 |
| Noninterest expense to average assets | 2.2973% | 4,131 |
| Loan and lease loss provision to assets | -0.2017% | 5,332 |
| Net operating income to assets | 1.7069% | 682 |
| Return on assets (ROA) | 1.6999% | 688 |
| Pretax return on assets | 2.3502% | 275 |
| Return on Equity (ROE) | 13.0829% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.9696% | 1,682 |
| Net charge-offs to loans | -0.1518% | 5,227 |
| Credit loss provision to net charge-offs | 197.7578% | 1,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5695% | 4,832 |
| Assets per employee ($millions) | 7.4564% | 813 |
| Cash dividends to net income (ytd only)* | 46.7277% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,526 |
| Loan loss allowance to noncurrent loans | 69.6565% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 518 |
| Noncurrent loans to loans | 2.0503% | 654 |
| Net loans and leases to total assets | 62.1663% | 3,547 |
| Net loans and leases to deposits | 71.7087% | 3,695 |
| Net loans and leases to core deposits | 77.3655% | 3,620 |
| Total domestic deposits to total assets | 86.6929% | 1,921 |
| Equity capital to assets | 12.6422% | 1,515 |
| Core capital (leverage) ratio | 12.1557% | 1,639 |
| Tier 1 risk-based capital ratio | 16.4517% | 2,257 |
| Total risk-based capital ratio | 17.7020% | 2,191 |
| Memoranda: | ||
| Average total assets | $874,593,000 | 873 |
| Average earning assets | $784,858,600 | 895 |
| Average equity | $113,636,600 | 751 |
| Average total loans | $587,801,800 | 916 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,847 |
| Cost of funding earning assets | 0.2620% | 4,718 |
| Net interest margin | 4.3847% | 932 |
| Noninterest income to average assets | 0.5474% | 2,578 |
| Noninterest expense to average assets | 2.2965% | 4,111 |
| Loan and lease loss provision to assets | -0.2633% | 5,423 |
| Net operating income to assets | 1.7387% | 685 |
| Return on assets (ROA) | 1.7248% | 713 |
| Pretax return on assets | 2.4256% | 264 |
| Return on Equity (ROE) | 13.1781% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.1539% | 2,047 |
| Net charge-offs to loans | -0.2790% | 5,348 |
| Credit loss provision to net charge-offs | 138.1301% | 1,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3018% | 4,863 |
| Assets per employee ($millions) | 6.9993% | 934 |
| Cash dividends to net income (ytd only)* | 45.7135% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,270 |
| Loan loss allowance to noncurrent loans | 70.2547% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 523 |
| Noncurrent loans to loans | 2.1681% | 658 |
| Net loans and leases to total assets | 62.9970% | 3,544 |
| Net loans and leases to deposits | 72.8122% | 3,697 |
| Net loans and leases to core deposits | 75.7034% | 3,828 |
| Total domestic deposits to total assets | 86.5197% | 1,964 |
| Equity capital to assets | 12.8111% | 1,415 |
| Core capital (leverage) ratio | 12.8927% | 1,330 |
| Tier 1 risk-based capital ratio | 16.7724% | 2,179 |
| Total risk-based capital ratio | 18.0240% | 2,125 |
| Memoranda: | ||
| Average total assets | $860,229,250 | 883 |
| Average earning assets | $770,850,000 | 911 |
| Average equity | $112,588,000 | 755 |
| Average total loans | $587,798,500 | 915 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,878 |
| Cost of funding earning assets | 0.2471% | 4,757 |
| Net interest margin | 4.3222% | 998 |
| Noninterest income to average assets | 0.5955% | 2,345 |
| Noninterest expense to average assets | 2.3279% | 4,083 |
| Loan and lease loss provision to assets | -0.3132% | 5,496 |
| Net operating income to assets | 1.7415% | 668 |
| Return on assets (ROA) | 1.7269% | 688 |
| Pretax return on assets | 2.4291% | 255 |
| Return on Equity (ROE) | 13.0961% | 1,343 |
| Retained earnings to average equity (ytd only) | 7.2123% | 1,970 |
| Net charge-offs to loans | -0.1634% | 5,289 |
| Credit loss provision to net charge-offs | 274.3271% | 1,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1695% | 4,870 |
| Assets per employee ($millions) | 6.6473% | 1,100 |
| Cash dividends to net income (ytd only)* | 44.9281% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,497 |
| Loan loss allowance to noncurrent loans | 68.6634% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.0531% | 515 |
| Noncurrent loans to loans | 2.1363% | 664 |
| Net loans and leases to total assets | 64.4973% | 3,341 |
| Net loans and leases to deposits | 74.5554% | 3,481 |
| Net loans and leases to core deposits | 76.8309% | 3,675 |
| Total domestic deposits to total assets | 86.5092% | 2,049 |
| Equity capital to assets | 12.9515% | 1,321 |
| Core capital (leverage) ratio | 12.9875% | 1,218 |
| Tier 1 risk-based capital ratio | 17.0702% | 2,077 |
| Total risk-based capital ratio | 18.3215% | 2,021 |
| Memoranda: | ||
| Average total assets | $846,004,330 | 900 |
| Average earning assets | $756,840,670 | 930 |
| Average equity | $111,560,000 | 763 |
| Average total loans | $591,198,000 | 905 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,162 |
| Cost of funding earning assets | 0.2061% | 4,980 |
| Net interest margin | 4.5556% | 549 |
| Noninterest income to average assets | 0.6301% | 2,130 |
| Noninterest expense to average assets | 2.3072% | 4,177 |
| Loan and lease loss provision to assets | -0.0911% | 5,503 |
| Net operating income to assets | 1.7663% | 597 |
| Return on assets (ROA) | 1.7435% | 635 |
| Pretax return on assets | 2.4536% | 238 |
| Return on Equity (ROE) | 13.0982% | 1,235 |
| Retained earnings to average equity (ytd only) | 7.1409% | 2,217 |
| Net charge-offs to loans | -0.0253% | 4,671 |
| Credit loss provision to net charge-offs | 497.3684% | 608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1028% | 5,132 |
| Assets per employee ($millions) | 6.4799% | 1,217 |
| Cash dividends to net income (ytd only)* | 45.4822% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,357 |
| Loan loss allowance to noncurrent loans | 168.5651% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3039% | 1,139 |
| Noncurrent loans to loans | 0.9061% | 2,009 |
| Net loans and leases to total assets | 68.7126% | 2,670 |
| Net loans and leases to deposits | 79.7963% | 2,831 |
| Net loans and leases to core deposits | 82.3284% | 3,114 |
| Total domestic deposits to total assets | 86.1100% | 2,500 |
| Equity capital to assets | 13.0434% | 1,221 |
| Core capital (leverage) ratio | 13.2766% | 1,079 |
| Tier 1 risk-based capital ratio | 16.6282% | 2,237 |
| Total risk-based capital ratio | 17.8807% | 2,177 |
| Memoranda: | ||
| Average total assets | $830,285,000 | 922 |
| Average earning assets | $741,511,500 | 959 |
| Average equity | $110,519,000 | 770 |
| Average total loans | $599,621,000 | 893 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,430 |
| Cost of funding earning assets | 0.1986% | 4,961 |
| Net interest margin | 4.4010% | 765 |
| Noninterest income to average assets | 0.6217% | 2,344 |
| Noninterest expense to average assets | 2.4263% | 4,000 |
| Loan and lease loss provision to assets | 0.0030% | 4,186 |
| Net operating income to assets | 1.1372% | 1,722 |
| Return on assets (ROA) | 1.1372% | 1,758 |
| Pretax return on assets | 2.1399% | 357 |
| Return on Equity (ROE) | 8.4504% | 2,581 |
| Retained earnings to average equity (ytd only) | 4.4675% | 2,471 |
| Net charge-offs to loans | -0.0594% | 5,230 |
| Credit loss provision to net charge-offs | -7.0381% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1013% | 5,024 |
| Assets per employee ($millions) | 6.2908% | 1,326 |
| Cash dividends to net income (ytd only)* | 47.1331% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,300 |
| Loan loss allowance to noncurrent loans | 161.1933% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 982 |
| Noncurrent loans to loans | 0.9544% | 1,855 |
| Net loans and leases to total assets | 73.6601% | 1,977 |
| Net loans and leases to deposits | 86.0307% | 2,257 |
| Net loans and leases to core deposits | 88.6097% | 2,679 |
| Total domestic deposits to total assets | 85.6207% | 2,606 |
| Equity capital to assets | 13.5952% | 1,022 |
| Core capital (leverage) ratio | 12.8997% | 1,179 |
| Tier 1 risk-based capital ratio | 16.0623% | 2,413 |
| Total risk-based capital ratio | 17.3149% | 2,349 |
| Memoranda: | ||
| Average total assets | $800,588,400 | 930 |
| Average earning assets | $718,102,800 | 956 |
| Average equity | $107,734,400 | 761 |
| Average total loans | $574,547,600 | 895 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,582 |
| Cost of funding earning assets | 0.1953% | 5,015 |
| Net interest margin | 4.3263% | 865 |
| Noninterest income to average assets | 0.6389% | 2,257 |
| Noninterest expense to average assets | 2.4001% | 4,021 |
| Loan and lease loss provision to assets | -0.0040% | 5,442 |
| Net operating income to assets | 1.2789% | 1,405 |
| Return on assets (ROA) | 1.2789% | 1,435 |
| Pretax return on assets | 2.1378% | 419 |
| Return on Equity (ROE) | 9.5282% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,455 |
| Net charge-offs to loans | -0.0658% | 5,254 |
| Credit loss provision to net charge-offs | 8.5714% | 3,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9373% | 5,019 |
| Assets per employee ($millions) | 6.6357% | 1,108 |
| Cash dividends to net income (ytd only)* | 40.5451% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,306 |
| Loan loss allowance to noncurrent loans | 177.9981% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 1,243 |
| Noncurrent loans to loans | 0.8816% | 2,170 |
| Net loans and leases to total assets | 68.1646% | 2,825 |
| Net loans and leases to deposits | 79.0209% | 3,068 |
| Net loans and leases to core deposits | 81.4650% | 3,331 |
| Total domestic deposits to total assets | 86.2615% | 2,199 |
| Equity capital to assets | 12.9850% | 1,397 |
| Core capital (leverage) ratio | 12.9457% | 1,229 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,288 |
| Total risk-based capital ratio | 17.8492% | 2,242 |
| Memoranda: | ||
| Average total assets | $799,431,000 | 941 |
| Average earning assets | $719,742,750 | 958 |
| Average equity | $107,300,250 | 767 |
| Average total loans | $567,586,750 | 904 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,597 |
| Cost of funding earning assets | 0.1983% | 5,000 |
| Net interest margin | 4.2733% | 928 |
| Noninterest income to average assets | 0.6833% | 2,064 |
| Noninterest expense to average assets | 2.4966% | 3,764 |
| Loan and lease loss provision to assets | -0.0079% | 5,538 |
| Net operating income to assets | 1.2199% | 1,534 |
| Return on assets (ROA) | 1.2199% | 1,573 |
| Pretax return on assets | 2.0385% | 500 |
| Return on Equity (ROE) | 8.9839% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.1807% | 1,507 |
| Net charge-offs to loans | -0.0484% | 5,159 |
| Credit loss provision to net charge-offs | 22.7941% | 2,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1466% | 4,910 |
| Assets per employee ($millions) | 6.1482% | 1,359 |
| Cash dividends to net income (ytd only)* | 20.0710% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,299 |
| Loan loss allowance to noncurrent loans | 160.9830% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 1,071 |
| Noncurrent loans to loans | 0.9848% | 1,992 |
| Net loans and leases to total assets | 71.6110% | 2,262 |
| Net loans and leases to deposits | 83.8722% | 2,498 |
| Net loans and leases to core deposits | 86.8274% | 2,809 |
| Total domestic deposits to total assets | 85.3810% | 2,658 |
| Equity capital to assets | 13.9174% | 993 |
| Core capital (leverage) ratio | 13.3311% | 1,043 |
| Tier 1 risk-based capital ratio | 16.1718% | 2,436 |
| Total risk-based capital ratio | 17.4243% | 2,382 |
| Memoranda: | ||
| Average total assets | $784,998,330 | 958 |
| Average earning assets | $706,104,670 | 979 |
| Average equity | $106,591,000 | 771 |
| Average total loans | $562,248,670 | 911 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 1,896 |
| Cost of funding earning assets | 0.1892% | 5,074 |
| Net interest margin | 4.1334% | 1,137 |
| Noninterest income to average assets | 0.5855% | 2,484 |
| Noninterest expense to average assets | 2.5725% | 3,583 |
| Loan and lease loss provision to assets | 0.0107% | 3,422 |
| Net operating income to assets | 1.0383% | 2,126 |
| Return on assets (ROA) | 1.0383% | 2,175 |
| Pretax return on assets | 1.7218% | 961 |
| Return on Equity (ROE) | 7.7422% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.2988% | 1,751 |
| Net charge-offs to loans | -0.0179% | 4,679 |
| Credit loss provision to net charge-offs | -84.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7568% | 4,488 |
| Assets per employee ($millions) | 6.0879% | 1,436 |
| Cash dividends to net income (ytd only)* | 5.7269% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 1,304 |
| Loan loss allowance to noncurrent loans | 124.6934% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.7377% | 844 |
| Noncurrent loans to loans | 1.3101% | 1,546 |
| Net loans and leases to total assets | 68.6076% | 2,587 |
| Net loans and leases to deposits | 80.3256% | 2,708 |
| Net loans and leases to core deposits | 84.4812% | 2,856 |
| Total domestic deposits to total assets | 85.4118% | 2,917 |
| Equity capital to assets | 13.5672% | 1,048 |
| Core capital (leverage) ratio | 13.1479% | 1,085 |
| Tier 1 risk-based capital ratio | 17.0115% | 2,176 |
| Total risk-based capital ratio | 18.2649% | 2,132 |
| Memoranda: | ||
| Average total assets | $787,084,500 | 957 |
| Average earning assets | $708,275,500 | 975 |
| Average equity | $105,551,000 | 777 |
| Average total loans | $559,291,000 | 917 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 1,852 |
| Cost of funding earning assets | 0.1731% | 5,265 |
| Net interest margin | 4.2169% | 1,077 |
| Noninterest income to average assets | 0.6204% | 2,550 |
| Noninterest expense to average assets | 2.6247% | 3,605 |
| Loan and lease loss provision to assets | -0.0028% | 5,463 |
| Net operating income to assets | 1.0529% | 2,126 |
| Return on assets (ROA) | 1.0529% | 2,226 |
| Pretax return on assets | 1.7501% | 888 |
| Return on Equity (ROE) | 7.8919% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,048 |
| Net charge-offs to loans | 0.1450% | 1,813 |
| Credit loss provision to net charge-offs | -2.6582% | 4,724 |
| Earnings coverage of net charge-offs (x) | 16.7494% | 2,090 |
| Efficiency ratio | 60.0338% | 4,580 |
| Assets per employee ($millions) | 6.0216% | 1,469 |
| Cash dividends to net income (ytd only)* | 5.3179% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,469 |
| Loan loss allowance to noncurrent loans | 122.5496% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.7412% | 871 |
| Noncurrent loans to loans | 1.2725% | 1,607 |
| Net loans and leases to total assets | 71.2359% | 2,299 |
| Net loans and leases to deposits | 83.0199% | 2,544 |
| Net loans and leases to core deposits | 88.7154% | 2,609 |
| Total domestic deposits to total assets | 85.8057% | 2,678 |
| Equity capital to assets | 13.2543% | 1,151 |
| Core capital (leverage) ratio | 12.9860% | 1,137 |
| Tier 1 risk-based capital ratio | 15.9276% | 2,576 |
| Total risk-based capital ratio | 17.1801% | 2,513 |
| Memoranda: | ||
| Average total assets | $757,264,000 | 957 |
| Average earning assets | $673,715,400 | 987 |
| Average equity | $101,028,000 | 783 |
| Average total loans | $544,763,400 | 908 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 1,969 |
| Cost of funding earning assets | 0.1679% | 5,364 |
| Net interest margin | 4.1942% | 1,134 |
| Noninterest income to average assets | 0.6242% | 2,553 |
| Noninterest expense to average assets | 2.6073% | 3,639 |
| Loan and lease loss provision to assets | -0.0012% | 5,623 |
| Net operating income to assets | 1.0704% | 2,118 |
| Return on assets (ROA) | 1.0704% | 2,230 |
| Pretax return on assets | 1.7419% | 1,018 |
| Return on Equity (ROE) | 8.0094% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.5887% | 1,361 |
| Net charge-offs to loans | 0.1952% | 1,201 |
| Credit loss provision to net charge-offs | -0.8883% | 4,591 |
| Earnings coverage of net charge-offs (x) | 12.4150% | 2,394 |
| Efficiency ratio | 59.9664% | 4,545 |
| Assets per employee ($millions) | 5.9331% | 1,480 |
| Cash dividends to net income (ytd only)* | 5.2526% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,505 |
| Loan loss allowance to noncurrent loans | 115.1007% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8914% | 851 |
| Noncurrent loans to loans | 1.3820% | 1,589 |
| Net loans and leases to total assets | 70.4487% | 2,428 |
| Net loans and leases to deposits | 82.1502% | 2,711 |
| Net loans and leases to core deposits | 84.9148% | 3,043 |
| Total domestic deposits to total assets | 85.7561% | 2,478 |
| Equity capital to assets | 13.1765% | 1,399 |
| Core capital (leverage) ratio | 13.3319% | 1,055 |
| Tier 1 risk-based capital ratio | 16.0547% | 2,599 |
| Total risk-based capital ratio | 17.3077% | 2,546 |
| Memoranda: | ||
| Average total assets | $749,371,750 | 964 |
| Average earning assets | $665,313,250 | 1,000 |
| Average equity | $100,146,500 | 790 |
| Average total loans | $538,245,750 | 914 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,238 |
| Cost of funding earning assets | 0.1676% | 5,433 |
| Net interest margin | 4.1056% | 1,352 |
| Noninterest income to average assets | 0.6457% | 2,389 |
| Noninterest expense to average assets | 2.6842% | 3,442 |
| Loan and lease loss provision to assets | -0.0027% | 5,745 |
| Net operating income to assets | 0.9923% | 2,425 |
| Return on assets (ROA) | 0.9923% | 2,565 |
| Pretax return on assets | 1.6076% | 1,355 |
| Return on Equity (ROE) | 7.3882% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.9625% | 1,624 |
| Net charge-offs to loans | 0.2992% | 798 |
| Credit loss provision to net charge-offs | -1.2594% | 4,434 |
| Earnings coverage of net charge-offs (x) | 7.4597% | 2,625 |
| Efficiency ratio | 62.5813% | 4,256 |
| Assets per employee ($millions) | 5.5246% | 1,775 |
| Cash dividends to net income (ytd only)* | 5.7619% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 1,542 |
| Loan loss allowance to noncurrent loans | 117.8127% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 816 |
| Noncurrent loans to loans | 1.3536% | 1,659 |
| Net loans and leases to total assets | 73.7122% | 1,895 |
| Net loans and leases to deposits | 86.2777% | 2,219 |
| Net loans and leases to core deposits | 88.8619% | 2,653 |
| Total domestic deposits to total assets | 85.4360% | 2,674 |
| Equity capital to assets | 13.5479% | 1,210 |
| Core capital (leverage) ratio | 12.8668% | 1,205 |
| Tier 1 risk-based capital ratio | 15.6355% | 2,811 |
| Total risk-based capital ratio | 16.8884% | 2,742 |
| Memoranda: | ||
| Average total assets | $738,106,330 | 979 |
| Average earning assets | $655,002,670 | 1,016 |
| Average equity | $99,130,670 | 799 |
| Average total loans | $530,777,670 | 922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,058 |
| Cost of funding earning assets | 0.1718% | 5,451 |
| Net interest margin | 4.1501% | 1,216 |
| Noninterest income to average assets | 0.6091% | 2,470 |
| Noninterest expense to average assets | 2.8225% | 2,985 |
| Loan and lease loss provision to assets | -0.0120% | 5,893 |
| Net operating income to assets | 0.8967% | 2,770 |
| Return on assets (ROA) | 0.8967% | 2,896 |
| Pretax return on assets | 1.4447% | 1,763 |
| Return on Equity (ROE) | 6.7064% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,243 |
| Net charge-offs to loans | -0.0209% | 4,886 |
| Credit loss provision to net charge-offs | 81.4815% | 1,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3295% | 3,748 |
| Assets per employee ($millions) | 5.7137% | 1,654 |
| Cash dividends to net income (ytd only)* | 6.3183% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 1,004 |
| Loan loss allowance to noncurrent loans | 116.3414% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.7680% | 492 |
| Noncurrent loans to loans | 1.6116% | 1,430 |
| Net loans and leases to total assets | 68.4684% | 2,586 |
| Net loans and leases to deposits | 79.7631% | 2,827 |
| Net loans and leases to core deposits | 82.7558% | 3,059 |
| Total domestic deposits to total assets | 85.8397% | 2,745 |
| Equity capital to assets | 13.3242% | 1,255 |
| Core capital (leverage) ratio | 13.1955% | 1,085 |
| Tier 1 risk-based capital ratio | 15.5420% | 2,894 |
| Total risk-based capital ratio | 16.7968% | 2,825 |
| Memoranda: | ||
| Average total assets | $734,250,500 | 986 |
| Average earning assets | $645,092,500 | 1,019 |
| Average equity | $98,174,500 | 805 |
| Average total loans | $516,832,500 | 944 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,516 |
| Cost of funding earning assets | 0.1739% | 5,510 |
| Net interest margin | 4.3528% | 872 |
| Noninterest income to average assets | 0.6154% | 2,641 |
| Noninterest expense to average assets | 2.7317% | 3,477 |
| Loan and lease loss provision to assets | -0.0059% | 5,613 |
| Net operating income to assets | 1.0199% | 2,259 |
| Return on assets (ROA) | 1.0199% | 2,332 |
| Pretax return on assets | 1.6949% | 1,004 |
| Return on Equity (ROE) | 7.4538% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.9138% | 2,484 |
| Net charge-offs to loans | 0.2046% | 1,433 |
| Credit loss provision to net charge-offs | -4.0315% | 4,924 |
| Earnings coverage of net charge-offs (x) | 11.5457% | 2,561 |
| Efficiency ratio | 61.7935% | 4,641 |
| Assets per employee ($millions) | 5.6257% | 1,684 |
| Cash dividends to net income (ytd only)* | 34.0762% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 982 |
| Loan loss allowance to noncurrent loans | 118.5524% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 2.9028% | 464 |
| Noncurrent loans to loans | 1.5897% | 1,444 |
| Net loans and leases to total assets | 69.6775% | 2,418 |
| Net loans and leases to deposits | 81.2916% | 2,680 |
| Net loans and leases to core deposits | 83.8993% | 2,974 |
| Total domestic deposits to total assets | 85.7131% | 2,769 |
| Equity capital to assets | 13.4183% | 1,155 |
| Core capital (leverage) ratio | 12.9373% | 1,169 |
| Tier 1 risk-based capital ratio | 15.4311% | 2,966 |
| Total risk-based capital ratio | 16.6863% | 2,901 |
| Memoranda: | ||
| Average total assets | $695,197,400 | 999 |
| Average earning assets | $607,762,800 | 1,033 |
| Average equity | $95,119,000 | 799 |
| Average total loans | $497,101,600 | 942 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 1,519 |
| Cost of funding earning assets | 0.1730% | 5,603 |
| Net interest margin | 4.3540% | 870 |
| Noninterest income to average assets | 0.6077% | 2,698 |
| Noninterest expense to average assets | 2.6978% | 3,568 |
| Loan and lease loss provision to assets | 0.0842% | 2,488 |
| Net operating income to assets | 0.9992% | 2,471 |
| Return on assets (ROA) | 0.9992% | 2,564 |
| Pretax return on assets | 1.6328% | 1,288 |
| Return on Equity (ROE) | 7.2662% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.2486% | 3,442 |
| Net charge-offs to loans | -0.0996% | 5,783 |
| Credit loss provision to net charge-offs | -117.9348% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1087% | 4,710 |
| Assets per employee ($millions) | 5.3772% | 1,882 |
| Cash dividends to net income (ytd only)* | 41.5292% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 625 |
| Loan loss allowance to noncurrent loans | 139.9903% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 2.9083% | 539 |
| Noncurrent loans to loans | 1.6026% | 1,544 |
| Net loans and leases to total assets | 69.9846% | 2,386 |
| Net loans and leases to deposits | 81.7474% | 2,674 |
| Net loans and leases to core deposits | 84.5732% | 2,978 |
| Total domestic deposits to total assets | 85.6107% | 2,732 |
| Equity capital to assets | 13.2867% | 1,314 |
| Core capital (leverage) ratio | 12.7844% | 1,279 |
| Tier 1 risk-based capital ratio | 14.8719% | 3,360 |
| Total risk-based capital ratio | 16.1333% | 3,302 |
| Memoranda: | ||
| Average total assets | $687,567,000 | 1,012 |
| Average earning assets | $601,178,250 | 1,050 |
| Average equity | $94,554,000 | 813 |
| Average total loans | $492,533,000 | 956 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,411 |
| Cost of funding earning assets | 0.1731% | 5,666 |
| Net interest margin | 4.3738% | 798 |
| Noninterest income to average assets | 0.6332% | 2,562 |
| Noninterest expense to average assets | 2.7042% | 3,581 |
| Loan and lease loss provision to assets | 0.1351% | 1,623 |
| Net operating income to assets | 0.9870% | 2,459 |
| Return on assets (ROA) | 0.9870% | 2,569 |
| Pretax return on assets | 1.6114% | 1,298 |
| Return on Equity (ROE) | 7.0922% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.6249% | 1,889 |
| Net charge-offs to loans | -0.1337% | 5,889 |
| Credit loss provision to net charge-offs | -141.0494% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7598% | 4,868 |
| Assets per employee ($millions) | 5.1464% | 2,104 |
| Cash dividends to net income (ytd only)* | 6.5888% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 639 |
| Loan loss allowance to noncurrent loans | 138.2149% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 3.2679% | 468 |
| Noncurrent loans to loans | 1.6579% | 1,576 |
| Net loans and leases to total assets | 71.9643% | 1,985 |
| Net loans and leases to deposits | 84.8952% | 2,201 |
| Net loans and leases to core deposits | 88.4049% | 2,515 |
| Total domestic deposits to total assets | 84.7684% | 3,227 |
| Equity capital to assets | 13.9832% | 983 |
| Core capital (leverage) ratio | 13.1986% | 1,092 |
| Tier 1 risk-based capital ratio | 15.0783% | 3,313 |
| Total risk-based capital ratio | 16.3399% | 3,249 |
| Memoranda: | ||
| Average total assets | $676,573,000 | 1,029 |
| Average earning assets | $590,520,330 | 1,078 |
| Average equity | $94,159,670 | 822 |
| Average total loans | $484,762,000 | 967 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 1,561 |
| Cost of funding earning assets | 0.1763% | 5,708 |
| Net interest margin | 4.2906% | 893 |
| Noninterest income to average assets | 0.5810% | 2,764 |
| Noninterest expense to average assets | 2.7326% | 3,477 |
| Loan and lease loss provision to assets | 0.2730% | 571 |
| Net operating income to assets | 0.8177% | 3,169 |
| Return on assets (ROA) | 0.8177% | 3,296 |
| Pretax return on assets | 1.3238% | 2,183 |
| Return on Equity (ROE) | 5.8897% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.4185% | 2,823 |
| Net charge-offs to loans | -0.0505% | 5,515 |
| Credit loss provision to net charge-offs | -765.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1181% | 4,611 |
| Assets per employee ($millions) | 5.0746% | 2,260 |
| Cash dividends to net income (ytd only)* | 8.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 708 |
| Loan loss allowance to noncurrent loans | 103.3599% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 3.6666% | 435 |
| Noncurrent loans to loans | 2.2176% | 1,138 |
| Net loans and leases to total assets | 70.7751% | 2,023 |
| Net loans and leases to deposits | 83.1815% | 2,184 |
| Net loans and leases to core deposits | 86.8938% | 2,447 |
| Total domestic deposits to total assets | 85.0851% | 3,363 |
| Equity capital to assets | 13.8325% | 1,042 |
| Core capital (leverage) ratio | 13.2386% | 1,072 |
| Tier 1 risk-based capital ratio | 15.2352% | 3,300 |
| Total risk-based capital ratio | 16.4964% | 3,217 |
| Memoranda: | ||
| Average total assets | $672,621,000 | 1,037 |
| Average earning assets | $587,616,500 | 1,082 |
| Average equity | $93,383,500 | 827 |
| Average total loans | $475,077,500 | 980 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,282 |
| Cost of funding earning assets | 0.1930% | 5,811 |
| Net interest margin | 4.1891% | 1,335 |
| Noninterest income to average assets | 0.6530% | 2,534 |
| Noninterest expense to average assets | 2.7579% | 3,648 |
| Loan and lease loss provision to assets | -0.1275% | 6,195 |
| Net operating income to assets | 0.9774% | 2,495 |
| Return on assets (ROA) | 0.9774% | 2,568 |
| Pretax return on assets | 1.6376% | 1,131 |
| Return on Equity (ROE) | 7.1935% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.5067% | 2,254 |
| Net charge-offs to loans | -0.1472% | 6,208 |
| Credit loss provision to net charge-offs | 134.5541% | 1,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3993% | 4,535 |
| Assets per employee ($millions) | 5.0397% | 2,270 |
| Cash dividends to net income (ytd only)* | 23.4486% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3538% | 669 |
| Loan loss allowance to noncurrent loans | 108.4147% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 3.5994% | 507 |
| Noncurrent loans to loans | 2.1711% | 1,238 |
| Net loans and leases to total assets | 67.1670% | 2,700 |
| Net loans and leases to deposits | 78.9872% | 2,833 |
| Net loans and leases to core deposits | 82.4534% | 3,052 |
| Total domestic deposits to total assets | 85.0354% | 3,267 |
| Equity capital to assets | 13.9357% | 976 |
| Core capital (leverage) ratio | 12.2499% | 1,478 |
| Tier 1 risk-based capital ratio | 15.6458% | 3,156 |
| Total risk-based capital ratio | 16.9061% | 3,081 |
| Memoranda: | ||
| Average total assets | $662,756,000 | 1,008 |
| Average earning assets | $571,914,400 | 1,063 |
| Average equity | $90,054,000 | 812 |
| Average total loans | $426,642,000 | 1,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,443 |
| Cost of funding earning assets | 0.1901% | 5,909 |
| Net interest margin | 4.1542% | 1,416 |
| Noninterest income to average assets | 0.6667% | 2,493 |
| Noninterest expense to average assets | 2.6763% | 3,912 |
| Loan and lease loss provision to assets | -0.0203% | 6,108 |
| Net operating income to assets | 0.9734% | 2,577 |
| Return on assets (ROA) | 0.9734% | 2,645 |
| Pretax return on assets | 1.5880% | 1,361 |
| Return on Equity (ROE) | 7.2101% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.1145% | 3,010 |
| Net charge-offs to loans | -0.0726% | 6,043 |
| Credit loss provision to net charge-offs | 44.2982% | 3,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7681% | 4,767 |
| Assets per employee ($millions) | 5.0181% | 2,217 |
| Cash dividends to net income (ytd only)* | 29.0650% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4865% | 660 |
| Loan loss allowance to noncurrent loans | 113.9416% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 3.4798% | 622 |
| Noncurrent loans to loans | 2.1823% | 1,400 |
| Net loans and leases to total assets | 62.9449% | 3,351 |
| Net loans and leases to deposits | 73.7259% | 3,467 |
| Net loans and leases to core deposits | 76.3336% | 3,705 |
| Total domestic deposits to total assets | 85.3770% | 3,175 |
| Equity capital to assets | 13.1699% | 1,346 |
| Core capital (leverage) ratio | 11.6563% | 1,933 |
| Tier 1 risk-based capital ratio | 14.6397% | 3,795 |
| Total risk-based capital ratio | 15.9011% | 3,729 |
| Memoranda: | ||
| Average total assets | $662,134,250 | 1,022 |
| Average earning assets | $570,174,000 | 1,071 |
| Average equity | $89,391,000 | 821 |
| Average total loans | $418,903,750 | 1,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,526 |
| Cost of funding earning assets | 0.1863% | 6,028 |
| Net interest margin | 4.1322% | 1,420 |
| Noninterest income to average assets | 0.6662% | 2,452 |
| Noninterest expense to average assets | 2.6862% | 3,919 |
| Loan and lease loss provision to assets | -0.0429% | 6,286 |
| Net operating income to assets | 0.9619% | 2,497 |
| Return on assets (ROA) | 0.9619% | 2,588 |
| Pretax return on assets | 1.5675% | 1,337 |
| Return on Equity (ROE) | 7.0641% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.1560% | 3,527 |
| Net charge-offs to loans | -0.0982% | 6,134 |
| Credit loss provision to net charge-offs | 69.6517% | 2,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3423% | 4,795 |
| Assets per employee ($millions) | 4.6118% | 2,751 |
| Cash dividends to net income (ytd only)* | 41.1671% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6172% | 593 |
| Loan loss allowance to noncurrent loans | 115.7085% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 3.6112% | 633 |
| Noncurrent loans to loans | 2.2619% | 1,441 |
| Net loans and leases to total assets | 62.7779% | 3,279 |
| Net loans and leases to deposits | 73.9190% | 3,325 |
| Net loans and leases to core deposits | 77.4844% | 3,498 |
| Total domestic deposits to total assets | 84.9279% | 3,545 |
| Equity capital to assets | 13.6908% | 1,089 |
| Core capital (leverage) ratio | 11.7146% | 1,840 |
| Tier 1 risk-based capital ratio | 14.7667% | 3,772 |
| Total risk-based capital ratio | 16.0289% | 3,713 |
| Memoranda: | ||
| Average total assets | $652,011,000 | 1,040 |
| Average earning assets | $559,270,000 | 1,092 |
| Average equity | $88,787,330 | 822 |
| Average total loans | $409,534,670 | 1,065 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 3,000 |
| Cost of funding earning assets | 0.1872% | 6,096 |
| Net interest margin | 3.9798% | 1,830 |
| Noninterest income to average assets | 0.5995% | 2,736 |
| Noninterest expense to average assets | 2.8891% | 3,256 |
| Loan and lease loss provision to assets | -0.0289% | 6,430 |
| Net operating income to assets | 0.7163% | 3,596 |
| Return on assets (ROA) | 0.7163% | 3,683 |
| Pretax return on assets | 1.1504% | 2,696 |
| Return on Equity (ROE) | 5.2744% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.2744% | 2,943 |
| Net charge-offs to loans | -0.1419% | 6,263 |
| Credit loss provision to net charge-offs | 32.8671% | 2,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3169% | 3,605 |
| Assets per employee ($millions) | 4.8184% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6941% | 630 |
| Loan loss allowance to noncurrent loans | 105.4916% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 3.7551% | 667 |
| Noncurrent loans to loans | 2.5538% | 1,352 |
| Net loans and leases to total assets | 60.2070% | 3,531 |
| Net loans and leases to deposits | 70.4299% | 3,544 |
| Net loans and leases to core deposits | 73.5812% | 3,692 |
| Total domestic deposits to total assets | 85.4850% | 3,621 |
| Equity capital to assets | 13.3739% | 1,147 |
| Core capital (leverage) ratio | 11.2273% | 2,198 |
| Tier 1 risk-based capital ratio | 15.2205% | 3,600 |
| Total risk-based capital ratio | 16.4843% | 3,544 |
| Memoranda: | ||
| Average total assets | $650,577,000 | 1,048 |
| Average earning assets | $557,615,000 | 1,103 |
| Average equity | $88,352,000 | 827 |
| Average total loans | $403,218,000 | 1,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 3,095 |
| Cost of funding earning assets | 0.2453% | 5,998 |
| Net interest margin | 4.0190% | 1,899 |
| Noninterest income to average assets | 0.8392% | 1,905 |
| Noninterest expense to average assets | 3.0559% | 2,880 |
| Loan and lease loss provision to assets | -0.1704% | 6,567 |
| Net operating income to assets | 1.2393% | 1,422 |
| Return on assets (ROA) | 1.2393% | 1,485 |
| Pretax return on assets | 1.3334% | 2,034 |
| Return on Equity (ROE) | 9.5894% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.5894% | 651 |
| Net charge-offs to loans | -0.0762% | 6,422 |
| Credit loss provision to net charge-offs | 363.5762% | 630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7460% | 3,523 |
| Assets per employee ($millions) | 4.6103% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7817% | 616 |
| Loan loss allowance to noncurrent loans | 89.0365% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.1318% | 633 |
| Noncurrent loans to loans | 3.1242% | 1,100 |
| Net loans and leases to total assets | 60.3608% | 3,650 |
| Net loans and leases to deposits | 70.7682% | 3,685 |
| Net loans and leases to core deposits | 73.6392% | 3,876 |
| Total domestic deposits to total assets | 85.2937% | 3,598 |
| Equity capital to assets | 13.7966% | 966 |
| Core capital (leverage) ratio | 11.4342% | 2,009 |
| Tier 1 risk-based capital ratio | 16.1586% | 3,024 |
| Total risk-based capital ratio | 17.4238% | 2,972 |
| Memoranda: | ||
| Average total assets | $644,297,200 | 1,037 |
| Average earning assets | $541,806,000 | 1,119 |
| Average equity | $83,269,000 | 857 |
| Average total loans | $396,472,600 | 1,086 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 3,137 |
| Cost of funding earning assets | 0.2565% | 6,042 |
| Net interest margin | 4.0097% | 1,908 |
| Noninterest income to average assets | 1.0166% | 1,408 |
| Noninterest expense to average assets | 2.9941% | 3,014 |
| Loan and lease loss provision to assets | -0.2310% | 6,742 |
| Net operating income to assets | 0.9894% | 2,416 |
| Return on assets (ROA) | 0.9894% | 2,519 |
| Pretax return on assets | 1.6111% | 1,318 |
| Return on Equity (ROE) | 7.7847% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.7847% | 1,504 |
| Net charge-offs to loans | 0.0376% | 4,394 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | 59.7320% | 758 |
| Efficiency ratio | 67.7891% | 4,133 |
| Assets per employee ($millions) | 4.9065% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7482% | 706 |
| Loan loss allowance to noncurrent loans | 70.2904% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 4.8518% | 589 |
| Noncurrent loans to loans | 3.9098% | 910 |
| Net loans and leases to total assets | 56.3743% | 4,270 |
| Net loans and leases to deposits | 65.3174% | 4,375 |
| Net loans and leases to core deposits | 68.3195% | 4,500 |
| Total domestic deposits to total assets | 86.3082% | 3,073 |
| Equity capital to assets | 12.7553% | 1,447 |
| Core capital (leverage) ratio | 11.2372% | 2,262 |
| Tier 1 risk-based capital ratio | 15.9791% | 3,206 |
| Total risk-based capital ratio | 17.2436% | 3,153 |
| Memoranda: | ||
| Average total assets | $646,317,500 | 1,042 |
| Average earning assets | $541,213,750 | 1,130 |
| Average equity | $82,142,250 | 868 |
| Average total loans | $396,837,500 | 1,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 2,891 |
| Cost of funding earning assets | 0.2772% | 6,003 |
| Net interest margin | 4.0375% | 1,739 |
| Noninterest income to average assets | 1.2110% | 1,044 |
| Noninterest expense to average assets | 3.0570% | 2,807 |
| Loan and lease loss provision to assets | 0.0094% | 4,677 |
| Net operating income to assets | 0.9323% | 2,653 |
| Return on assets (ROA) | 0.9323% | 2,786 |
| Pretax return on assets | 1.5127% | 1,581 |
| Return on Equity (ROE) | 7.3451% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.3451% | 1,732 |
| Net charge-offs to loans | 0.3271% | 1,881 |
| Credit loss provision to net charge-offs | 4.5732% | 3,961 |
| Earnings coverage of net charge-offs (x) | 7.4360% | 2,546 |
| Efficiency ratio | 66.1261% | 4,529 |
| Assets per employee ($millions) | 4.7469% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7546% | 748 |
| Loan loss allowance to noncurrent loans | 80.9475% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 4.8742% | 635 |
| Noncurrent loans to loans | 3.4029% | 1,254 |
| Net loans and leases to total assets | 61.9222% | 3,298 |
| Net loans and leases to deposits | 71.9596% | 3,451 |
| Net loans and leases to core deposits | 75.7204% | 3,574 |
| Total domestic deposits to total assets | 86.0514% | 3,338 |
| Equity capital to assets | 13.0077% | 1,341 |
| Core capital (leverage) ratio | 11.1607% | 2,205 |
| Tier 1 risk-based capital ratio | 15.1735% | 3,660 |
| Total risk-based capital ratio | 16.4386% | 3,620 |
| Memoranda: | ||
| Average total assets | $640,965,000 | 1,051 |
| Average earning assets | $534,688,670 | 1,143 |
| Average equity | $81,360,330 | 889 |
| Average total loans | $401,129,670 | 1,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 2,801 |
| Cost of funding earning assets | 0.3084% | 5,908 |
| Net interest margin | 4.0133% | 1,735 |
| Noninterest income to average assets | 1.1526% | 1,131 |
| Noninterest expense to average assets | 3.0252% | 2,902 |
| Loan and lease loss provision to assets | -0.0056% | 6,727 |
| Net operating income to assets | 0.9033% | 2,643 |
| Return on assets (ROA) | 0.9033% | 2,788 |
| Pretax return on assets | 1.4660% | 1,668 |
| Return on Equity (ROE) | 7.2046% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.2046% | 2,067 |
| Net charge-offs to loans | 0.3718% | 1,528 |
| Credit loss provision to net charge-offs | -2.4259% | 4,947 |
| Earnings coverage of net charge-offs (x) | 6.3315% | 2,238 |
| Efficiency ratio | 66.7914% | 4,525 |
| Assets per employee ($millions) | 4.7191% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8630% | 763 |
| Loan loss allowance to noncurrent loans | 98.7872% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 5.2587% | 670 |
| Noncurrent loans to loans | 2.8982% | 1,737 |
| Net loans and leases to total assets | 60.7332% | 3,302 |
| Net loans and leases to deposits | 70.3346% | 3,421 |
| Net loans and leases to core deposits | 74.0004% | 3,576 |
| Total domestic deposits to total assets | 86.3489% | 3,331 |
| Equity capital to assets | 12.7727% | 1,548 |
| Core capital (leverage) ratio | 11.0051% | 2,260 |
| Tier 1 risk-based capital ratio | 14.8783% | 3,923 |
| Total risk-based capital ratio | 16.1440% | 3,875 |
| Memoranda: | ||
| Average total assets | $643,405,000 | 1,055 |
| Average earning assets | $534,317,500 | 1,155 |
| Average equity | $80,670,500 | 910 |
| Average total loans | $399,177,000 | 1,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 2,092 |
| Cost of funding earning assets | 0.3438% | 6,250 |
| Net interest margin | 4.4866% | 968 |
| Noninterest income to average assets | 0.9826% | 1,583 |
| Noninterest expense to average assets | 3.0367% | 3,143 |
| Loan and lease loss provision to assets | 0.1608% | 3,605 |
| Net operating income to assets | 1.1315% | 1,838 |
| Return on assets (ROA) | 1.0733% | 2,231 |
| Pretax return on assets | 1.3956% | 2,053 |
| Return on Equity (ROE) | 8.9297% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.9297% | 852 |
| Net charge-offs to loans | 0.7299% | 1,609 |
| Credit loss provision to net charge-offs | 35.3329% | 5,015 |
| Earnings coverage of net charge-offs (x) | 3.5860% | 3,671 |
| Efficiency ratio | 64.0303% | 4,880 |
| Assets per employee ($millions) | 4.7082% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9458% | 695 |
| Loan loss allowance to noncurrent loans | 87.7765% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 5.7496% | 629 |
| Noncurrent loans to loans | 3.3560% | 1,510 |
| Net loans and leases to total assets | 59.7552% | 3,645 |
| Net loans and leases to deposits | 68.8769% | 3,853 |
| Net loans and leases to core deposits | 74.5200% | 3,717 |
| Total domestic deposits to total assets | 86.7564% | 2,957 |
| Equity capital to assets | 12.3080% | 1,852 |
| Core capital (leverage) ratio | 10.8918% | 2,347 |
| Tier 1 risk-based capital ratio | 14.4555% | 4,065 |
| Total risk-based capital ratio | 15.7218% | 3,999 |
| Memoranda: | ||
| Average total assets | $633,723,400 | 1,043 |
| Average earning assets | $520,633,800 | 1,163 |
| Average equity | $76,173,000 | 927 |
| Average total loans | $395,098,600 | 1,056 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 1,806 |
| Cost of funding earning assets | 0.3493% | 6,374 |
| Net interest margin | 4.6101% | 800 |
| Noninterest income to average assets | 1.1990% | 1,054 |
| Noninterest expense to average assets | 3.0264% | 3,142 |
| Loan and lease loss provision to assets | 0.2138% | 2,931 |
| Net operating income to assets | 1.0937% | 2,118 |
| Return on assets (ROA) | 1.0538% | 2,489 |
| Pretax return on assets | 1.6801% | 1,330 |
| Return on Equity (ROE) | 8.8214% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.8214% | 1,296 |
| Net charge-offs to loans | 1.1841% | 839 |
| Credit loss provision to net charge-offs | 28.8736% | 4,815 |
| Earnings coverage of net charge-offs (x) | 2.6415% | 3,978 |
| Efficiency ratio | 59.6839% | 5,553 |
| Assets per employee ($millions) | 4.5339% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9705% | 739 |
| Loan loss allowance to noncurrent loans | 105.2235% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 5.3712% | 802 |
| Noncurrent loans to loans | 2.8231% | 1,993 |
| Net loans and leases to total assets | 57.4298% | 4,215 |
| Net loans and leases to deposits | 66.1353% | 4,454 |
| Net loans and leases to core deposits | 70.4760% | 4,438 |
| Total domestic deposits to total assets | 86.8368% | 2,774 |
| Equity capital to assets | 12.3261% | 2,013 |
| Core capital (leverage) ratio | 10.6528% | 2,754 |
| Tier 1 risk-based capital ratio | 14.3867% | 4,273 |
| Total risk-based capital ratio | 15.6523% | 4,232 |
| Memoranda: | ||
| Average total assets | $629,721,000 | 1,057 |
| Average earning assets | $516,856,250 | 1,187 |
| Average equity | $75,224,000 | 938 |
| Average total loans | $393,865,000 | 1,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 1,495 |
| Cost of funding earning assets | 0.3570% | 6,480 |
| Net interest margin | 4.7464% | 616 |
| Noninterest income to average assets | 1.4212% | 710 |
| Noninterest expense to average assets | 3.1695% | 2,694 |
| Loan and lease loss provision to assets | 0.3204% | 2,062 |
| Net operating income to assets | 1.1324% | 1,941 |
| Return on assets (ROA) | 1.0974% | 2,283 |
| Pretax return on assets | 1.7550% | 1,127 |
| Return on Equity (ROE) | 9.2860% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.2860% | 1,180 |
| Net charge-offs to loans | 1.5218% | 649 |
| Credit loss provision to net charge-offs | 33.0595% | 4,391 |
| Earnings coverage of net charge-offs (x) | 2.1982% | 3,884 |
| Efficiency ratio | 58.7850% | 5,759 |
| Assets per employee ($millions) | 4.4943% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9425% | 827 |
| Loan loss allowance to noncurrent loans | 63.1013% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 6.9707% | 565 |
| Noncurrent loans to loans | 4.6631% | 1,112 |
| Net loans and leases to total assets | 63.1181% | 3,211 |
| Net loans and leases to deposits | 72.9211% | 3,464 |
| Net loans and leases to core deposits | 79.1197% | 3,351 |
| Total domestic deposits to total assets | 86.5567% | 3,037 |
| Equity capital to assets | 12.5620% | 1,776 |
| Core capital (leverage) ratio | 10.4521% | 2,857 |
| Tier 1 risk-based capital ratio | 13.0139% | 5,179 |
| Total risk-based capital ratio | 14.2794% | 5,140 |
| Memoranda: | ||
| Average total assets | $628,048,000 | 1,057 |
| Average earning assets | $513,190,330 | 1,197 |
| Average equity | $74,219,000 | 946 |
| Average total loans | $399,923,330 | 1,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 1,626 |
| Cost of funding earning assets | 0.3662% | 6,567 |
| Net interest margin | 4.7187% | 662 |
| Noninterest income to average assets | 0.7803% | 2,255 |
| Noninterest expense to average assets | 3.3230% | 2,224 |
| Loan and lease loss provision to assets | 0.0013% | 5,246 |
| Net operating income to assets | 0.8317% | 3,242 |
| Return on assets (ROA) | 0.8229% | 3,511 |
| Pretax return on assets | 1.2914% | 2,571 |
| Return on Equity (ROE) | 7.1784% | 3,670 |
| Retained earnings to average equity (ytd only) | 7.1784% | 2,331 |
| Net charge-offs to loans | 0.5961% | 1,600 |
| Credit loss provision to net charge-offs | 0.3333% | 3,992 |
| Earnings coverage of net charge-offs (x) | 3.4767% | 2,826 |
| Efficiency ratio | 70.5492% | 3,710 |
| Assets per employee ($millions) | 4.5945% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2866% | 627 |
| Loan loss allowance to noncurrent loans | 67.4628% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 7.2820% | 568 |
| Noncurrent loans to loans | 4.8718% | 1,165 |
| Net loans and leases to total assets | 61.4558% | 3,365 |
| Net loans and leases to deposits | 70.3821% | 3,675 |
| Net loans and leases to core deposits | 77.8714% | 3,348 |
| Total domestic deposits to total assets | 87.3174% | 2,760 |
| Equity capital to assets | 11.8517% | 2,146 |
| Core capital (leverage) ratio | 9.7005% | 3,769 |
| Tier 1 risk-based capital ratio | 11.8415% | 6,056 |
| Total risk-based capital ratio | 13.1088% | 6,032 |
| Memoranda: | ||
| Average total assets | $638,709,500 | 1,036 |
| Average earning assets | $520,987,500 | 1,173 |
| Average equity | $73,220,000 | 954 |
| Average total loans | $402,603,500 | 1,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 2,435 |
| Cost of funding earning assets | 0.4962% | 6,551 |
| Net interest margin | 4.6084% | 906 |
| Noninterest income to average assets | 0.1125% | 6,586 |
| Noninterest expense to average assets | 3.8224% | 1,303 |
| Loan and lease loss provision to assets | 2.0411% | 284 |
| Net operating income to assets | -1.7432% | 6,971 |
| Return on assets (ROA) | -1.8634% | 7,016 |
| Pretax return on assets | -2.1009% | 7,049 |
| Return on Equity (ROE) | -15.5976% | 6,900 |
| Retained earnings to average equity (ytd only) | -15.5976% | 6,881 |
| Net charge-offs to loans | 3.8834% | 166 |
| Credit loss provision to net charge-offs | 82.5715% | 4,341 |
| Earnings coverage of net charge-offs (x) | 0.0304% | 5,797 |
| Efficiency ratio | 89.8129% | 1,208 |
| Assets per employee ($millions) | 4.7287% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3439% | 599 |
| Loan loss allowance to noncurrent loans | 75.4075% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 6.9250% | 664 |
| Noncurrent loans to loans | 4.4344% | 1,350 |
| Net loans and leases to total assets | 60.4537% | 3,906 |
| Net loans and leases to deposits | 68.6634% | 4,339 |
| Net loans and leases to core deposits | 75.5296% | 4,041 |
| Total domestic deposits to total assets | 88.0436% | 2,124 |
| Equity capital to assets | 11.0923% | 2,898 |
| Core capital (leverage) ratio | 9.0299% | 4,727 |
| Tier 1 risk-based capital ratio | 11.6478% | 6,060 |
| Total risk-based capital ratio | 12.9122% | 6,036 |
| Memoranda: | ||
| Average total assets | $666,414,800 | 974 |
| Average earning assets | $547,353,400 | 1,089 |
| Average equity | $79,614,600 | 844 |
| Average total loans | $424,190,600 | 987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 2,658 |
| Cost of funding earning assets | 0.5124% | 6,650 |
| Net interest margin | 4.5766% | 994 |
| Noninterest income to average assets | 0.2972% | 5,484 |
| Noninterest expense to average assets | 3.9206% | 1,124 |
| Loan and lease loss provision to assets | 2.4874% | 180 |
| Net operating income to assets | -1.6157% | 7,067 |
| Return on assets (ROA) | -1.6564% | 7,084 |
| Pretax return on assets | -2.4028% | 7,188 |
| Return on Equity (ROE) | -13.6274% | 6,984 |
| Retained earnings to average equity (ytd only) | -13.6274% | 6,958 |
| Net charge-offs to loans | 4.6958% | 113 |
| Credit loss provision to net charge-offs | 82.8659% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.0478% | 5,561 |
| Efficiency ratio | 86.6938% | 1,462 |
| Assets per employee ($millions) | 4.8583% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3424% | 637 |
| Loan loss allowance to noncurrent loans | 65.4580% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 7.7080% | 599 |
| Noncurrent loans to loans | 5.1062% | 1,203 |
| Net loans and leases to total assets | 60.1103% | 4,108 |
| Net loans and leases to deposits | 71.6487% | 4,037 |
| Net loans and leases to core deposits | 80.0387% | 3,630 |
| Total domestic deposits to total assets | 83.8959% | 4,283 |
| Equity capital to assets | 11.3866% | 2,791 |
| Core capital (leverage) ratio | 9.7706% | 3,741 |
| Tier 1 risk-based capital ratio | 12.4117% | 5,567 |
| Total risk-based capital ratio | 13.6392% | 5,578 |
| Memoranda: | ||
| Average total assets | $669,878,000 | 974 |
| Average earning assets | $551,372,500 | 1,088 |
| Average equity | $81,422,250 | 824 |
| Average total loans | $428,201,750 | 986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 2,546 |
| Cost of funding earning assets | 0.5365% | 6,720 |
| Net interest margin | 4.5936% | 917 |
| Noninterest income to average assets | 0.2183% | 6,104 |
| Noninterest expense to average assets | 3.8537% | 1,274 |
| Loan and lease loss provision to assets | 3.0017% | 152 |
| Net operating income to assets | -1.7955% | 7,162 |
| Return on assets (ROA) | -1.7955% | 7,166 |
| Pretax return on assets | -2.8500% | 7,290 |
| Return on Equity (ROE) | -14.4665% | 7,053 |
| Retained earnings to average equity (ytd only) | -14.4665% | 7,023 |
| Net charge-offs to loans | 6.2845% | 73 |
| Credit loss provision to net charge-offs | 74.0514% | 3,947 |
| Earnings coverage of net charge-offs (x) | 0.0374% | 5,256 |
| Efficiency ratio | 82.4560% | 2,033 |
| Assets per employee ($millions) | 4.8282% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0760% | 834 |
| Loan loss allowance to noncurrent loans | 62.4064% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 8.0013% | 578 |
| Noncurrent loans to loans | 4.9291% | 1,333 |
| Net loans and leases to total assets | 62.3726% | 3,817 |
| Net loans and leases to deposits | 74.7744% | 3,679 |
| Net loans and leases to core deposits | 84.4281% | 3,146 |
| Total domestic deposits to total assets | 83.4144% | 4,577 |
| Equity capital to assets | 11.9732% | 2,110 |
| Core capital (leverage) ratio | 9.8123% | 3,504 |
| Tier 1 risk-based capital ratio | 12.1616% | 5,653 |
| Total risk-based capital ratio | 13.4271% | 5,616 |
| Memoranda: | ||
| Average total assets | $669,689,330 | 985 |
| Average earning assets | $552,120,330 | 1,096 |
| Average equity | $83,116,000 | 812 |
| Average total loans | $431,955,000 | 999 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 2,820 |
| Cost of funding earning assets | 0.5633% | 6,751 |
| Net interest margin | 4.4952% | 1,084 |
| Noninterest income to average assets | 0.4093% | 4,634 |
| Noninterest expense to average assets | 3.1061% | 3,220 |
| Loan and lease loss provision to assets | 0.5265% | 1,649 |
| Net operating income to assets | 0.3697% | 5,078 |
| Return on assets (ROA) | 0.3697% | 5,161 |
| Pretax return on assets | 0.5105% | 4,990 |
| Return on Equity (ROE) | 2.9286% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.9286% | 4,411 |
| Net charge-offs to loans | 0.6092% | 1,978 |
| Credit loss provision to net charge-offs | 133.8346% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.6361% | 3,024 |
| Efficiency ratio | 72.1445% | 3,829 |
| Assets per employee ($millions) | 5.0930% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8738% | 463 |
| Loan loss allowance to noncurrent loans | 55.7943% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 9.6931% | 436 |
| Noncurrent loans to loans | 6.9430% | 804 |
| Net loans and leases to total assets | 61.8083% | 3,897 |
| Net loans and leases to deposits | 74.7629% | 3,642 |
| Net loans and leases to core deposits | 87.8012% | 2,627 |
| Total domestic deposits to total assets | 82.6723% | 5,035 |
| Equity capital to assets | 12.7440% | 1,504 |
| Core capital (leverage) ratio | 11.4742% | 1,862 |
| Tier 1 risk-based capital ratio | 14.4546% | 3,769 |
| Total risk-based capital ratio | 15.7290% | 3,714 |
| Memoranda: | ||
| Average total assets | $676,218,500 | 992 |
| Average earning assets | $561,662,500 | 1,090 |
| Average equity | $85,364,000 | 780 |
| Average total loans | $436,654,500 | 997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 2,233 |
| Cost of funding earning assets | 0.7331% | 6,786 |
| Net interest margin | 4.7788% | 690 |
| Noninterest income to average assets | 0.3133% | 5,553 |
| Noninterest expense to average assets | 3.4108% | 2,411 |
| Loan and lease loss provision to assets | 1.7733% | 785 |
| Net operating income to assets | -0.4828% | 6,378 |
| Return on assets (ROA) | -0.5906% | 6,472 |
| Pretax return on assets | -1.0196% | 6,657 |
| Return on Equity (ROE) | -4.7161% | 6,411 |
| Retained earnings to average equity (ytd only) | -4.7161% | 6,272 |
| Net charge-offs to loans | 2.2529% | 860 |
| Credit loss provision to net charge-offs | 113.7089% | 3,825 |
| Earnings coverage of net charge-offs (x) | 0.5913% | 5,514 |
| Efficiency ratio | 71.3723% | 3,917 |
| Assets per employee ($millions) | 5.1528% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7456% | 501 |
| Loan loss allowance to noncurrent loans | 47.1286% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 10.3847% | 383 |
| Noncurrent loans to loans | 7.9477% | 657 |
| Net loans and leases to total assets | 62.4149% | 4,198 |
| Net loans and leases to deposits | 76.1336% | 3,819 |
| Net loans and leases to core deposits | 90.7105% | 2,662 |
| Total domestic deposits to total assets | 81.9807% | 5,196 |
| Equity capital to assets | 12.5049% | 1,631 |
| Core capital (leverage) ratio | 11.0388% | 2,130 |
| Tier 1 risk-based capital ratio | 14.3477% | 3,649 |
| Total risk-based capital ratio | 15.5794% | 3,609 |
| Memoranda: | ||
| Average total assets | $703,479,600 | 948 |
| Average earning assets | $591,713,000 | 1,023 |
| Average equity | $88,101,600 | 762 |
| Average total loans | $486,980,400 | 919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 2,167 |
| Cost of funding earning assets | 0.7484% | 6,920 |
| Net interest margin | 4.8240% | 640 |
| Noninterest income to average assets | 0.4587% | 4,495 |
| Noninterest expense to average assets | 3.3290% | 2,489 |
| Loan and lease loss provision to assets | 0.6344% | 2,402 |
| Net operating income to assets | 0.3232% | 5,078 |
| Return on assets (ROA) | 0.2006% | 5,668 |
| Pretax return on assets | 0.3724% | 5,306 |
| Return on Equity (ROE) | 1.6009% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.6009% | 5,153 |
| Net charge-offs to loans | 1.4484% | 1,403 |
| Credit loss provision to net charge-offs | 62.3269% | 5,631 |
| Earnings coverage of net charge-offs (x) | 1.1773% | 4,887 |
| Efficiency ratio | 64.9574% | 5,060 |
| Assets per employee ($millions) | 5.2155% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7513% | 1,036 |
| Loan loss allowance to noncurrent loans | 41.7068% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 9.1480% | 486 |
| Noncurrent loans to loans | 6.5968% | 897 |
| Net loans and leases to total assets | 64.1859% | 4,087 |
| Net loans and leases to deposits | 78.1149% | 3,806 |
| Net loans and leases to core deposits | 94.9117% | 2,398 |
| Total domestic deposits to total assets | 82.1685% | 4,926 |
| Equity capital to assets | 12.6042% | 1,808 |
| Core capital (leverage) ratio | 11.6758% | 1,831 |
| Tier 1 risk-based capital ratio | 14.7235% | 3,379 |
| Total risk-based capital ratio | 15.9736% | 3,366 |
| Memoranda: | ||
| Average total assets | $709,308,000 | 946 |
| Average earning assets | $598,242,500 | 1,021 |
| Average equity | $88,863,500 | 752 |
| Average total loans | $498,464,250 | 902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7137% | 1,714 |
| Cost of funding earning assets | 0.7686% | 7,011 |
| Net interest margin | 4.9450% | 482 |
| Noninterest income to average assets | 0.5122% | 4,014 |
| Noninterest expense to average assets | 3.4360% | 2,178 |
| Loan and lease loss provision to assets | 0.6077% | 2,363 |
| Net operating income to assets | 0.3161% | 5,116 |
| Return on assets (ROA) | 0.2018% | 5,686 |
| Pretax return on assets | 0.4506% | 5,059 |
| Return on Equity (ROE) | 1.6142% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.6142% | 5,056 |
| Net charge-offs to loans | 2.0133% | 903 |
| Credit loss provision to net charge-offs | 42.0908% | 5,575 |
| Earnings coverage of net charge-offs (x) | 0.8567% | 4,914 |
| Efficiency ratio | 62.2066% | 5,652 |
| Assets per employee ($millions) | 5.1851% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4384% | 1,381 |
| Loan loss allowance to noncurrent loans | 36.3699% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 9.2182% | 471 |
| Noncurrent loans to loans | 6.7045% | 876 |
| Net loans and leases to total assets | 67.4173% | 3,518 |
| Net loans and leases to deposits | 82.6145% | 3,157 |
| Net loans and leases to core deposits | 104.1912% | 1,619 |
| Total domestic deposits to total assets | 81.6048% | 5,149 |
| Equity capital to assets | 12.4945% | 1,805 |
| Core capital (leverage) ratio | 11.6691% | 1,827 |
| Tier 1 risk-based capital ratio | 13.6108% | 3,999 |
| Total risk-based capital ratio | 14.8307% | 3,981 |
| Memoranda: | ||
| Average total assets | $707,571,670 | 951 |
| Average earning assets | $595,343,670 | 1,026 |
| Average equity | $88,465,000 | 739 |
| Average total loans | $507,421,000 | 895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 1,674 |
| Cost of funding earning assets | 0.8173% | 7,034 |
| Net interest margin | 4.9109% | 504 |
| Noninterest income to average assets | 0.1194% | 7,096 |
| Noninterest expense to average assets | 2.9051% | 4,040 |
| Loan and lease loss provision to assets | 0.9273% | 1,366 |
| Net operating income to assets | 0.3597% | 5,022 |
| Return on assets (ROA) | 0.2376% | 5,666 |
| Pretax return on assets | 0.2712% | 5,686 |
| Return on Equity (ROE) | 1.9001% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.9001% | 4,983 |
| Net charge-offs to loans | 0.3448% | 3,029 |
| Credit loss provision to net charge-offs | 368.1716% | 1,108 |
| Earnings coverage of net charge-offs (x) | 5.3093% | 2,428 |
| Efficiency ratio | 64.9960% | 5,310 |
| Assets per employee ($millions) | 5.1677% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1156% | 750 |
| Loan loss allowance to noncurrent loans | 48.3716% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 10.0441% | 395 |
| Noncurrent loans to loans | 6.4410% | 970 |
| Net loans and leases to total assets | 70.6575% | 2,768 |
| Net loans and leases to deposits | 86.4825% | 2,506 |
| Net loans and leases to core deposits | 111.0174% | 1,219 |
| Total domestic deposits to total assets | 81.7016% | 5,197 |
| Equity capital to assets | 12.4086% | 1,805 |
| Core capital (leverage) ratio | 11.1919% | 2,098 |
| Tier 1 risk-based capital ratio | 12.6747% | 4,580 |
| Total risk-based capital ratio | 13.9287% | 4,548 |
| Memoranda: | ||
| Average total assets | $703,583,000 | 979 |
| Average earning assets | $590,690,500 | 1,061 |
| Average equity | $87,995,500 | 752 |
| Average total loans | $513,901,000 | 912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8227% | 2,562 |
| Cost of funding earning assets | 1.1382% | 6,857 |
| Net interest margin | 4.6845% | 860 |
| Noninterest income to average assets | 0.4588% | 4,727 |
| Noninterest expense to average assets | 3.4341% | 2,573 |
| Loan and lease loss provision to assets | 1.8341% | 1,231 |
| Net operating income to assets | -0.5805% | 6,250 |
| Return on assets (ROA) | -0.6614% | 6,326 |
| Pretax return on assets | -0.9817% | 6,397 |
| Return on Equity (ROE) | -5.4551% | 6,258 |
| Retained earnings to average equity (ytd only) | -5.6813% | 6,107 |
| Net charge-offs to loans | 1.8487% | 1,349 |
| Credit loss provision to net charge-offs | 135.2650% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.7176% | 5,383 |
| Efficiency ratio | 65.4999% | 5,488 |
| Assets per employee ($millions) | 4.9221% | 2,314 |
| Cash dividends to net income (ytd only)* | -4.1468% | 7,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 802 |
| Loan loss allowance to noncurrent loans | 42.4733% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 10.3125% | 345 |
| Noncurrent loans to loans | 6.9635% | 807 |
| Net loans and leases to total assets | 70.9908% | 3,006 |
| Net loans and leases to deposits | 87.7021% | 2,609 |
| Net loans and leases to core deposits | 101.9195% | 3,806 |
| Total domestic deposits to total assets | 80.9454% | 5,359 |
| Equity capital to assets | 12.6077% | 1,693 |
| Core capital (leverage) ratio | 11.1903% | 2,113 |
| Tier 1 risk-based capital ratio | 12.7346% | 4,340 |
| Total risk-based capital ratio | 13.9828% | 4,281 |
| Memoranda: | ||
| Average total assets | $729,249,400 | 932 |
| Average earning assets | $614,642,200 | 1,016 |
| Average equity | $88,413,000 | 728 |
| Average total loans | $534,863,000 | 892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7611% | 3,057 |
| Cost of funding earning assets | 1.1668% | 6,986 |
| Net interest margin | 4.5944% | 999 |
| Noninterest income to average assets | 0.3414% | 5,761 |
| Noninterest expense to average assets | 3.5131% | 2,249 |
| Loan and lease loss provision to assets | 1.5523% | 1,226 |
| Net operating income to assets | -0.6202% | 6,539 |
| Return on assets (ROA) | -0.7152% | 6,634 |
| Pretax return on assets | -0.9766% | 6,663 |
| Return on Equity (ROE) | -5.9549% | 6,549 |
| Retained earnings to average equity (ytd only) | -6.2558% | 6,417 |
| Net charge-offs to loans | 1.4055% | 1,466 |
| Credit loss provision to net charge-offs | 150.4904% | 3,188 |
| Earnings coverage of net charge-offs (x) | 0.6842% | 5,347 |
| Efficiency ratio | 67.2048% | 5,137 |
| Assets per employee ($millions) | 5.2382% | 1,849 |
| Cash dividends to net income (ytd only)* | -5.0518% | 7,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7028% | 881 |
| Loan loss allowance to noncurrent loans | 25.8501% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 12.5330% | 203 |
| Noncurrent loans to loans | 10.4558% | 368 |
| Net loans and leases to total assets | 71.7753% | 3,088 |
| Net loans and leases to deposits | 90.6792% | 2,450 |
| Net loans and leases to core deposits | 104.7079% | 3,853 |
| Total domestic deposits to total assets | 79.1530% | 5,749 |
| Equity capital to assets | 12.2868% | 2,075 |
| Core capital (leverage) ratio | 11.1760% | 2,279 |
| Tier 1 risk-based capital ratio | 12.0844% | 4,892 |
| Total risk-based capital ratio | 13.3040% | 4,865 |
| Memoranda: | ||
| Average total assets | $738,056,250 | 932 |
| Average earning assets | $622,893,000 | 1,018 |
| Average equity | $88,641,250 | 741 |
| Average total loans | $541,651,750 | 899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 3,342 |
| Cost of funding earning assets | 1.2153% | 7,061 |
| Net interest margin | 4.5246% | 1,108 |
| Noninterest income to average assets | 0.4788% | 4,638 |
| Noninterest expense to average assets | 3.6242% | 2,015 |
| Loan and lease loss provision to assets | 2.1956% | 728 |
| Net operating income to assets | -1.1327% | 7,076 |
| Return on assets (ROA) | -1.2130% | 7,124 |
| Pretax return on assets | -1.6288% | 7,143 |
| Return on Equity (ROE) | -10.1758% | 7,048 |
| Retained earnings to average equity (ytd only) | -10.6274% | 6,937 |
| Net charge-offs to loans | 1.4124% | 1,333 |
| Credit loss provision to net charge-offs | 212.1717% | 2,165 |
| Earnings coverage of net charge-offs (x) | 0.6525% | 5,049 |
| Efficiency ratio | 62.1596% | 6,225 |
| Assets per employee ($millions) | 5.2067% | 1,851 |
| Cash dividends to net income (ytd only)* | -4.4375% | 7,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8903% | 620 |
| Loan loss allowance to noncurrent loans | 28.2042% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 12.6102% | 156 |
| Noncurrent loans to loans | 10.2478% | 337 |
| Net loans and leases to total assets | 71.9907% | 3,232 |
| Net loans and leases to deposits | 104.1400% | 901 |
| Net loans and leases to core deposits | 115.4159% | 2,770 |
| Total domestic deposits to total assets | 69.1287% | 7,545 |
| Equity capital to assets | 11.6622% | 2,411 |
| Core capital (leverage) ratio | 10.8435% | 2,530 |
| Tier 1 risk-based capital ratio | 11.3440% | 5,555 |
| Total risk-based capital ratio | 12.5562% | 5,489 |
| Memoranda: | ||
| Average total assets | $743,119,670 | 944 |
| Average earning assets | $627,502,000 | 1,028 |
| Average equity | $88,582,670 | 747 |
| Average total loans | $544,451,670 | 915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9067% | 2,764 |
| Cost of funding earning assets | 1.3035% | 7,005 |
| Net interest margin | 4.6032% | 930 |
| Noninterest income to average assets | 0.4907% | 4,405 |
| Noninterest expense to average assets | 2.7656% | 4,717 |
| Loan and lease loss provision to assets | 0.7254% | 1,769 |
| Net operating income to assets | 0.6374% | 3,852 |
| Return on assets (ROA) | 0.5761% | 4,314 |
| Pretax return on assets | 0.8199% | 4,008 |
| Return on Equity (ROE) | 4.7816% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.8903% | 3,726 |
| Net charge-offs to loans | 1.7928% | 806 |
| Credit loss provision to net charge-offs | 55.5510% | 4,593 |
| Earnings coverage of net charge-offs (x) | 1.2504% | 4,120 |
| Efficiency ratio | 59.4116% | 6,495 |
| Assets per employee ($millions) | 5.1858% | 1,860 |
| Cash dividends to net income (ytd only)* | 18.6393% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 1,057 |
| Loan loss allowance to noncurrent loans | 22.6165% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 11.2590% | 167 |
| Noncurrent loans to loans | 9.8187% | 305 |
| Net loans and leases to total assets | 72.4678% | 3,133 |
| Net loans and leases to deposits | 101.3905% | 1,244 |
| Net loans and leases to core deposits | 112.1009% | 3,213 |
| Total domestic deposits to total assets | 71.4740% | 7,282 |
| Equity capital to assets | 12.2873% | 2,080 |
| Core capital (leverage) ratio | 10.8834% | 2,596 |
| Tier 1 risk-based capital ratio | 11.4331% | 5,476 |
| Total risk-based capital ratio | 12.6350% | 5,420 |
| Memoranda: | ||
| Average total assets | $745,002,500 | 938 |
| Average earning assets | $632,434,000 | 1,013 |
| Average equity | $89,761,500 | 738 |
| Average total loans | $542,623,500 | 927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7442% | 1,885 |
| Cost of funding earning assets | 2.1115% | 5,994 |
| Net interest margin | 4.6327% | 1,088 |
| Noninterest income to average assets | 0.7022% | 3,113 |
| Noninterest expense to average assets | 2.8035% | 4,800 |
| Loan and lease loss provision to assets | 1.2488% | 1,144 |
| Net operating income to assets | 0.5104% | 4,682 |
| Return on assets (ROA) | 0.5126% | 4,524 |
| Pretax return on assets | 0.7074% | 4,374 |
| Return on Equity (ROE) | 4.3163% | 4,674 |
| Retained earnings to average equity (ytd only) | -0.3396% | 5,388 |
| Net charge-offs to loans | 0.9395% | 1,314 |
| Credit loss provision to net charge-offs | 176.8565% | 2,866 |
| Earnings coverage of net charge-offs (x) | 2.7660% | 4,705 |
| Efficiency ratio | 54.5052% | 7,213 |
| Assets per employee ($millions) | 5.4986% | 1,459 |
| Cash dividends to net income (ytd only)* | 107.8680% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4138% | 756 |
| Loan loss allowance to noncurrent loans | 28.4997% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 10.0381% | 160 |
| Noncurrent loans to loans | 8.4696% | 307 |
| Net loans and leases to total assets | 69.8748% | 4,047 |
| Net loans and leases to deposits | 104.1770% | 1,324 |
| Net loans and leases to core deposits | 115.4531% | 3,186 |
| Total domestic deposits to total assets | 67.0732% | 7,568 |
| Equity capital to assets | 11.8184% | 2,412 |
| Core capital (leverage) ratio | 10.4408% | 3,029 |
| Tier 1 risk-based capital ratio | 11.4460% | 5,290 |
| Total risk-based capital ratio | 12.6058% | 5,284 |
| Memoranda: | ||
| Average total assets | $768,572,600 | 883 |
| Average earning assets | $672,637,000 | 905 |
| Average equity | $91,281,600 | 732 |
| Average total loans | $577,635,400 | 828 |