Home > The Park Bank > Performance and Condition Ratios
The Park Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 3,289 |
| Cost of funding earning assets | 2.4789% | 1,025 |
| Net interest margin | 2.2412% | 4,148 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.0614% | 3,421 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.2699% | 3,875 |
| Return on assets (ROA) | 0.2699% | 3,909 |
| Pretax return on assets | 0.3478% | 3,848 |
| Return on Equity (ROE) | 3.0300% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.0275% | 2,971 |
| Net charge-offs to loans | -0.0003% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.2671% | 968 |
| Assets per employee ($millions) | 9.6108% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,110 |
| Loan loss allowance to noncurrent loans | 2,596.4344% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,415 |
| Noncurrent loans to loans | 0.0474% | 3,413 |
| Net loans and leases to total assets | 86.3200% | 146 |
| Net loans and leases to deposits | 111.5746% | 162 |
| Net loans and leases to core deposits | 117.7067% | 699 |
| Total domestic deposits to total assets | 77.3700% | 3,866 |
| Equity capital to assets | 9.0178% | 2,668 |
| Core capital (leverage) ratio | 9.8259% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6136% | 2,383 |
| Memoranda: | ||
| Average total assets | $1,504,422,500 | 735 |
| Average earning assets | $1,433,538,500 | 711 |
| Average equity | $134,104,000 | 795 |
| Average total loans | $1,310,452,500 | 612 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 3,311 |
| Cost of funding earning assets | 1.8592% | 1,143 |
| Net interest margin | 2.5228% | 4,072 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2378% | 3,017 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.2517% | 4,094 |
| Return on assets (ROA) | 0.2517% | 4,102 |
| Pretax return on assets | 0.4777% | 3,852 |
| Return on Equity (ROE) | 2.7300% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.2254% | 3,780 |
| Net charge-offs to loans | 0.0018% | 2,747 |
| Credit loss provision to net charge-offs | 6,017.3913% | 89 |
| Earnings coverage of net charge-offs (x) | 343.1304% | 393 |
| Efficiency ratio | 80.3579% | 893 |
| Assets per employee ($millions) | 9.2071% | 918 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,384 |
| Loan loss allowance to noncurrent loans | 1,872.7818% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,221 |
| Noncurrent loans to loans | 0.0632% | 3,259 |
| Net loans and leases to total assets | 85.7900% | 170 |
| Net loans and leases to deposits | 111.2173% | 178 |
| Net loans and leases to core deposits | 117.2186% | 709 |
| Total domestic deposits to total assets | 77.1400% | 3,836 |
| Equity capital to assets | 8.8122% | 2,813 |
| Core capital (leverage) ratio | 9.7877% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2118% | 2,522 |
| Memoranda: | ||
| Average total assets | $1,442,816,400 | 735 |
| Average earning assets | $1,372,794,600 | 715 |
| Average equity | $133,179,600 | 747 |
| Average total loans | $1,250,399,200 | 612 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 3,274 |
| Cost of funding earning assets | 1.6901% | 1,211 |
| Net interest margin | 2.6199% | 4,003 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.2971% | 2,801 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3600% | 4,030 |
| Return on assets (ROA) | 0.3600% | 4,034 |
| Pretax return on assets | 0.5138% | 3,881 |
| Return on Equity (ROE) | 3.8500% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.8534% | 3,299 |
| Net charge-offs to loans | -0.0002% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.7302% | 870 |
| Assets per employee ($millions) | 8.6743% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,412 |
| Loan loss allowance to noncurrent loans | 2,040.9704% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,297 |
| Noncurrent loans to loans | 0.0583% | 3,335 |
| Net loans and leases to total assets | 86.3000% | 144 |
| Net loans and leases to deposits | 109.8336% | 205 |
| Net loans and leases to core deposits | 115.6932% | 674 |
| Total domestic deposits to total assets | 78.5700% | 3,757 |
| Equity capital to assets | 9.1393% | 2,333 |
| Core capital (leverage) ratio | 10.2293% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4413% | 2,468 |
| Memoranda: | ||
| Average total assets | $1,423,726,750 | 745 |
| Average earning assets | $1,354,915,250 | 722 |
| Average equity | $133,006,250 | 738 |
| Average total loans | $1,233,265,250 | 614 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 3,205 |
| Cost of funding earning assets | 1.4951% | 1,251 |
| Net interest margin | 2.7491% | 3,907 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3332% | 2,701 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4253% | 3,954 |
| Return on assets (ROA) | 0.4253% | 3,959 |
| Pretax return on assets | 0.6085% | 3,783 |
| Return on Equity (ROE) | 4.5200% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.5191% | 3,078 |
| Net charge-offs to loans | -0.0020% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4535% | 1,047 |
| Assets per employee ($millions) | 8.5348% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,807.9657% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,199 |
| Noncurrent loans to loans | 0.0653% | 3,239 |
| Net loans and leases to total assets | 86.1400% | 146 |
| Net loans and leases to deposits | 112.2597% | 173 |
| Net loans and leases to core deposits | 116.6668% | 611 |
| Total domestic deposits to total assets | 76.7300% | 3,982 |
| Equity capital to assets | 9.3667% | 2,254 |
| Core capital (leverage) ratio | 10.3278% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3833% | 2,513 |
| Memoranda: | ||
| Average total assets | $1,412,540,000 | 737 |
| Average earning assets | $1,343,563,333 | 720 |
| Average equity | $132,946,333 | 735 |
| Average total loans | $1,220,107,333 | 608 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 3,060 |
| Cost of funding earning assets | 1.2625% | 1,317 |
| Net interest margin | 2.9314% | 3,735 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.3309% | 2,724 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5039% | 3,891 |
| Return on assets (ROA) | 0.5039% | 3,853 |
| Pretax return on assets | 0.7182% | 3,623 |
| Return on Equity (ROE) | 5.3400% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,941 |
| Net charge-offs to loans | 0.0030% | 1,906 |
| Credit loss provision to net charge-offs | 944.4444% | 375 |
| Earnings coverage of net charge-offs (x) | 307.4444% | 361 |
| Efficiency ratio | 74.6982% | 1,276 |
| Assets per employee ($millions) | 8.5195% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,660 |
| Loan loss allowance to noncurrent loans | 1,708.4625% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,187 |
| Noncurrent loans to loans | 0.0691% | 3,235 |
| Net loans and leases to total assets | 85.3300% | 167 |
| Net loans and leases to deposits | 105.9484% | 252 |
| Net loans and leases to core deposits | 108.1037% | 752 |
| Total domestic deposits to total assets | 80.5400% | 3,699 |
| Equity capital to assets | 9.5181% | 2,129 |
| Core capital (leverage) ratio | 10.4461% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4375% | 2,590 |
| Memoranda: | ||
| Average total assets | $1,401,886,000 | 760 |
| Average earning assets | $1,333,817,500 | 737 |
| Average equity | $132,267,500 | 743 |
| Average total loans | $1,205,216,000 | 623 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 2,341 |
| Cost of funding earning assets | 0.2936% | 2,929 |
| Net interest margin | 3.4829% | 1,983 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.3754% | 2,492 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0202% | 2,495 |
| Return on assets (ROA) | 1.0202% | 2,440 |
| Pretax return on assets | 1.4218% | 1,707 |
| Return on Equity (ROE) | 10.2600% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.5244% | 2,442 |
| Net charge-offs to loans | 0.0055% | 2,225 |
| Credit loss provision to net charge-offs | 2,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 333.9194% | 455 |
| Efficiency ratio | 60.7161% | 2,957 |
| Assets per employee ($millions) | 8.6836% | 1,022 |
| Cash dividends to net income (ytd only)* | 36.3822% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,782 |
| Loan loss allowance to noncurrent loans | 1,582.9341% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,073 |
| Noncurrent loans to loans | 0.0837% | 3,156 |
| Net loans and leases to total assets | 84.4600% | 226 |
| Net loans and leases to deposits | 100.1445% | 431 |
| Net loans and leases to core deposits | 101.2977% | 934 |
| Total domestic deposits to total assets | 84.3300% | 3,140 |
| Equity capital to assets | 9.3514% | 2,109 |
| Core capital (leverage) ratio | 10.4990% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6254% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,347,065,200 | 761 |
| Average earning assets | $1,283,081,600 | 738 |
| Average equity | $134,004,600 | 733 |
| Average total loans | $1,123,788,600 | 617 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 2,210 |
| Cost of funding earning assets | 0.1550% | 3,798 |
| Net interest margin | 3.4897% | 1,691 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.3589% | 2,446 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1129% | 2,041 |
| Return on assets (ROA) | 1.1129% | 2,009 |
| Pretax return on assets | 1.5477% | 1,277 |
| Return on Equity (ROE) | 11.0100% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.0138% | 1,052 |
| Net charge-offs to loans | -0.0042% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1713% | 3,225 |
| Assets per employee ($millions) | 8.2192% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,963 |
| Loan loss allowance to noncurrent loans | 1,548.6762% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,158 |
| Noncurrent loans to loans | 0.0850% | 3,268 |
| Net loans and leases to total assets | 85.1400% | 172 |
| Net loans and leases to deposits | 98.4734% | 431 |
| Net loans and leases to core deposits | 99.1313% | 848 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 10.0281% | 1,609 |
| Core capital (leverage) ratio | 10.9636% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1893% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,334,316,750 | 777 |
| Average earning assets | $1,272,529,000 | 754 |
| Average equity | $134,821,250 | 739 |
| Average total loans | $1,105,583,500 | 620 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 2,089 |
| Cost of funding earning assets | 0.1132% | 4,040 |
| Net interest margin | 3.4022% | 1,600 |
| Noninterest income to average assets | 0.6467% | 1,555 |
| Noninterest expense to average assets | 2.3347% | 2,444 |
| Loan and lease loss provision to assets | 0.0976% | 1,027 |
| Net operating income to assets | 1.0469% | 1,988 |
| Return on assets (ROA) | 1.0469% | 1,956 |
| Pretax return on assets | 1.4577% | 1,290 |
| Return on Equity (ROE) | 10.3350% | 2,213 |
| Retained earnings to average equity (ytd only) | 10.3350% | 942 |
| Net charge-offs to loans | -0.0031% | 3,216 |
| Credit loss provision to net charge-offs | -3,823.5294% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0185% | 3,291 |
| Assets per employee ($millions) | 8.0337% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,068 |
| Loan loss allowance to noncurrent loans | 3,957.8947% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,694 |
| Noncurrent loans to loans | 0.0335% | 3,696 |
| Net loans and leases to total assets | 84.4474% | 169 |
| Net loans and leases to deposits | 95.7076% | 445 |
| Net loans and leases to core deposits | 96.4566% | 811 |
| Total domestic deposits to total assets | 88.2348% | 2,487 |
| Equity capital to assets | 10.1517% | 1,625 |
| Core capital (leverage) ratio | 10.8288% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8711% | 2,545 |
| Memoranda: | ||
| Average total assets | $1,332,511,667 | 771 |
| Average earning assets | $1,270,222,333 | 757 |
| Average equity | $134,978,333 | 745 |
| Average total loans | $1,088,840,333 | 610 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 2,096 |
| Cost of funding earning assets | 0.1166% | 3,932 |
| Net interest margin | 3.2794% | 1,621 |
| Noninterest income to average assets | 0.6273% | 1,574 |
| Noninterest expense to average assets | 2.2680% | 2,617 |
| Loan and lease loss provision to assets | 0.0449% | 1,555 |
| Net operating income to assets | 1.0401% | 1,726 |
| Return on assets (ROA) | 1.0401% | 1,724 |
| Pretax return on assets | 1.4473% | 1,136 |
| Return on Equity (ROE) | 10.2793% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.2793% | 954 |
| Net charge-offs to loans | -0.0139% | 3,726 |
| Credit loss provision to net charge-offs | -405.4054% | 3,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3153% | 3,453 |
| Assets per employee ($millions) | 8.1805% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,104 |
| Loan loss allowance to noncurrent loans | 4,480.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,796 |
| Noncurrent loans to loans | 0.0302% | 3,775 |
| Net loans and leases to total assets | 80.1059% | 236 |
| Net loans and leases to deposits | 95.3784% | 300 |
| Net loans and leases to core deposits | 96.3018% | 640 |
| Total domestic deposits to total assets | 83.9875% | 3,772 |
| Equity capital to assets | 10.1716% | 1,776 |
| Core capital (leverage) ratio | 10.4014% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3067% | 2,481 |
| Memoranda: | ||
| Average total assets | $1,335,989,000 | 773 |
| Average earning assets | $1,276,312,000 | 754 |
| Average equity | $135,184,000 | 757 |
| Average total loans | $1,066,041,000 | 618 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 2,280 |
| Cost of funding earning assets | 0.1425% | 4,037 |
| Net interest margin | 3.4978% | 1,739 |
| Noninterest income to average assets | 0.8070% | 1,428 |
| Noninterest expense to average assets | 2.4243% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2324% | 1,802 |
| Return on assets (ROA) | 1.2358% | 1,854 |
| Pretax return on assets | 1.7147% | 1,112 |
| Return on Equity (ROE) | 12.2321% | 1,737 |
| Retained earnings to average equity (ytd only) | 12.2321% | 514 |
| Net charge-offs to loans | 0.0062% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 338.7656% | 368 |
| Efficiency ratio | 58.6335% | 3,340 |
| Assets per employee ($millions) | 8.2118% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,090 |
| Loan loss allowance to noncurrent loans | 418.4279% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 1,761 |
| Noncurrent loans to loans | 0.3253% | 2,423 |
| Net loans and leases to total assets | 77.3390% | 420 |
| Net loans and leases to deposits | 91.4322% | 504 |
| Net loans and leases to core deposits | 92.3717% | 855 |
| Total domestic deposits to total assets | 84.5862% | 3,395 |
| Equity capital to assets | 10.0665% | 2,595 |
| Core capital (leverage) ratio | 10.6353% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3238% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,267,609,400 | 786 |
| Average earning assets | $1,205,972,800 | 764 |
| Average equity | $128,064,600 | 812 |
| Average total loans | $1,031,794,400 | 637 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 2,295 |
| Cost of funding earning assets | 0.1546% | 4,070 |
| Net interest margin | 3.5375% | 1,765 |
| Noninterest income to average assets | 0.8557% | 1,364 |
| Noninterest expense to average assets | 2.4166% | 2,387 |
| Loan and lease loss provision to assets | 0.4007% | 158 |
| Net operating income to assets | 1.0028% | 2,896 |
| Return on assets (ROA) | 1.0075% | 2,943 |
| Pretax return on assets | 1.4032% | 2,321 |
| Return on Equity (ROE) | 9.9626% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.9626% | 1,324 |
| Net charge-offs to loans | 0.0004% | 2,444 |
| Credit loss provision to net charge-offs | 125,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,609.0000% | 23 |
| Efficiency ratio | 57.3395% | 3,378 |
| Assets per employee ($millions) | 7.8133% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 1,069 |
| Loan loss allowance to noncurrent loans | 553.2096% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,469 |
| Noncurrent loans to loans | 0.3112% | 2,676 |
| Net loans and leases to total assets | 82.0083% | 187 |
| Net loans and leases to deposits | 97.6531% | 288 |
| Net loans and leases to core deposits | 98.6963% | 638 |
| Total domestic deposits to total assets | 83.9792% | 3,459 |
| Equity capital to assets | 10.2887% | 2,624 |
| Core capital (leverage) ratio | 10.2583% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0639% | 2,687 |
| Memoranda: | ||
| Average total assets | $1,247,826,250 | 807 |
| Average earning assets | $1,184,823,000 | 790 |
| Average equity | $126,188,250 | 831 |
| Average total loans | $1,025,760,500 | 654 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 2,318 |
| Cost of funding earning assets | 0.1731% | 4,012 |
| Net interest margin | 3.5306% | 1,769 |
| Noninterest income to average assets | 0.9653% | 1,130 |
| Noninterest expense to average assets | 2.4085% | 2,434 |
| Loan and lease loss provision to assets | 0.4026% | 154 |
| Net operating income to assets | 1.0784% | 2,612 |
| Return on assets (ROA) | 1.0855% | 2,666 |
| Pretax return on assets | 1.5081% | 1,989 |
| Return on Equity (ROE) | 10.7977% | 2,500 |
| Retained earnings to average equity (ytd only) | 10.7977% | 1,176 |
| Net charge-offs to loans | -0.0012% | 3,110 |
| Credit loss provision to net charge-offs | -41,666.6667% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8794% | 3,558 |
| Assets per employee ($millions) | 7.8097% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,235 |
| Loan loss allowance to noncurrent loans | 349.9897% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 2,070 |
| Noncurrent loans to loans | 0.4616% | 2,294 |
| Net loans and leases to total assets | 82.0680% | 214 |
| Net loans and leases to deposits | 97.5689% | 328 |
| Net loans and leases to core deposits | 98.6421% | 697 |
| Total domestic deposits to total assets | 84.1128% | 3,394 |
| Equity capital to assets | 10.1687% | 2,705 |
| Core capital (leverage) ratio | 10.2937% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0972% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,241,849,333 | 799 |
| Average earning assets | $1,176,515,667 | 789 |
| Average equity | $124,841,000 | 838 |
| Average total loans | $1,015,610,667 | 665 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 2,218 |
| Cost of funding earning assets | 0.2232% | 3,699 |
| Net interest margin | 3.5358% | 1,733 |
| Noninterest income to average assets | 0.9601% | 1,204 |
| Noninterest expense to average assets | 2.3609% | 2,619 |
| Loan and lease loss provision to assets | 0.4052% | 189 |
| Net operating income to assets | 1.1075% | 2,448 |
| Return on assets (ROA) | 1.1218% | 2,487 |
| Pretax return on assets | 1.5603% | 1,828 |
| Return on Equity (ROE) | 11.2249% | 2,294 |
| Retained earnings to average equity (ytd only) | 11.2249% | 1,340 |
| Net charge-offs to loans | -0.0016% | 3,093 |
| Credit loss provision to net charge-offs | -31,250.0000% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7999% | 3,699 |
| Assets per employee ($millions) | 7.7102% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,387 |
| Loan loss allowance to noncurrent loans | 305.2130% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 2,132 |
| Noncurrent loans to loans | 0.5120% | 2,325 |
| Net loans and leases to total assets | 81.1429% | 272 |
| Net loans and leases to deposits | 97.1453% | 370 |
| Net loans and leases to core deposits | 98.3501% | 788 |
| Total domestic deposits to total assets | 83.5273% | 3,563 |
| Equity capital to assets | 10.2457% | 2,484 |
| Core capital (leverage) ratio | 10.1387% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6264% | 2,435 |
| Memoranda: | ||
| Average total assets | $1,234,093,500 | 802 |
| Average earning assets | $1,168,621,000 | 785 |
| Average equity | $123,333,000 | 838 |
| Average total loans | $998,999,000 | 678 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 2,222 |
| Cost of funding earning assets | 0.4837% | 3,053 |
| Net interest margin | 3.6902% | 1,836 |
| Noninterest income to average assets | 0.8757% | 1,328 |
| Noninterest expense to average assets | 2.5677% | 2,648 |
| Loan and lease loss provision to assets | 0.4335% | 662 |
| Net operating income to assets | 0.9905% | 2,331 |
| Return on assets (ROA) | 1.0334% | 2,312 |
| Pretax return on assets | 1.4303% | 1,569 |
| Return on Equity (ROE) | 10.2004% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.7601% | 1,480 |
| Net charge-offs to loans | -0.0762% | 4,752 |
| Credit loss provision to net charge-offs | -665.9973% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6603% | 3,640 |
| Assets per employee ($millions) | 8.0128% | 1,030 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,765 |
| Loan loss allowance to noncurrent loans | 230.0717% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,065 |
| Noncurrent loans to loans | 0.6314% | 2,113 |
| Net loans and leases to total assets | 78.3505% | 569 |
| Net loans and leases to deposits | 97.7610% | 469 |
| Net loans and leases to core deposits | 98.8512% | 965 |
| Total domestic deposits to total assets | 80.1449% | 4,020 |
| Equity capital to assets | 9.7482% | 3,368 |
| Core capital (leverage) ratio | 10.2928% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4818% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,147,641,800 | 783 |
| Average earning assets | $1,088,957,400 | 755 |
| Average equity | $116,270,200 | 851 |
| Average total loans | $980,491,800 | 656 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 2,743 |
| Cost of funding earning assets | 0.5588% | 2,874 |
| Net interest margin | 3.5159% | 2,539 |
| Noninterest income to average assets | 0.9042% | 1,208 |
| Noninterest expense to average assets | 2.5586% | 2,667 |
| Loan and lease loss provision to assets | 0.3238% | 1,212 |
| Net operating income to assets | 0.9878% | 2,379 |
| Return on assets (ROA) | 0.9936% | 2,495 |
| Pretax return on assets | 1.3742% | 1,813 |
| Return on Equity (ROE) | 9.7054% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.0628% | 2,529 |
| Net charge-offs to loans | -0.1078% | 4,833 |
| Credit loss provision to net charge-offs | -344.9367% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2125% | 3,361 |
| Assets per employee ($millions) | 7.2638% | 1,344 |
| Cash dividends to net income (ytd only)* | 47.8354% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,712 |
| Loan loss allowance to noncurrent loans | 96.1629% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 971 |
| Noncurrent loans to loans | 1.2391% | 1,229 |
| Net loans and leases to total assets | 86.7229% | 119 |
| Net loans and leases to deposits | 113.1421% | 177 |
| Net loans and leases to core deposits | 114.8314% | 525 |
| Total domestic deposits to total assets | 76.6495% | 4,366 |
| Equity capital to assets | 10.1508% | 3,102 |
| Core capital (leverage) ratio | 10.0634% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0627% | 2,592 |
| Memoranda: | ||
| Average total assets | $1,122,053,750 | 786 |
| Average earning assets | $1,067,545,000 | 757 |
| Average equity | $114,874,750 | 853 |
| Average total loans | $977,161,250 | 644 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,907 |
| Cost of funding earning assets | 0.6631% | 2,609 |
| Net interest margin | 3.4873% | 2,832 |
| Noninterest income to average assets | 0.6832% | 1,797 |
| Noninterest expense to average assets | 2.6090% | 2,635 |
| Loan and lease loss provision to assets | 0.2124% | 1,951 |
| Net operating income to assets | 0.8463% | 2,881 |
| Return on assets (ROA) | 0.8477% | 2,990 |
| Pretax return on assets | 1.1800% | 2,427 |
| Return on Equity (ROE) | 8.2556% | 2,644 |
| Retained earnings to average equity (ytd only) | 1.2131% | 4,036 |
| Net charge-offs to loans | -0.0056% | 4,045 |
| Credit loss provision to net charge-offs | -4,351.8519% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2308% | 2,626 |
| Assets per employee ($millions) | 7.1807% | 1,343 |
| Cash dividends to net income (ytd only)* | 85.3060% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,775 |
| Loan loss allowance to noncurrent loans | 77.7377% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 1,059 |
| Noncurrent loans to loans | 1.2292% | 1,273 |
| Net loans and leases to total assets | 87.2859% | 87 |
| Net loans and leases to deposits | 113.2213% | 170 |
| Net loans and leases to core deposits | 119.0023% | 452 |
| Total domestic deposits to total assets | 77.0932% | 4,307 |
| Equity capital to assets | 9.8067% | 3,361 |
| Core capital (leverage) ratio | 9.8163% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4546% | 2,835 |
| Memoranda: | ||
| Average total assets | $1,106,248,333 | 785 |
| Average earning assets | $1,052,060,000 | 758 |
| Average equity | $113,596,000 | 856 |
| Average total loans | $960,739,000 | 646 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,073 |
| Cost of funding earning assets | 0.8485% | 2,119 |
| Net interest margin | 3.4010% | 3,293 |
| Noninterest income to average assets | 0.6128% | 1,982 |
| Noninterest expense to average assets | 2.6087% | 2,960 |
| Loan and lease loss provision to assets | 0.0560% | 3,062 |
| Net operating income to assets | 0.8484% | 2,719 |
| Return on assets (ROA) | 0.7973% | 3,007 |
| Pretax return on assets | 1.1123% | 2,472 |
| Return on Equity (ROE) | 7.5775% | 2,698 |
| Retained earnings to average equity (ytd only) | -6.6258% | 4,619 |
| Net charge-offs to loans | -0.0143% | 4,201 |
| Credit loss provision to net charge-offs | -454.5455% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9051% | 2,681 |
| Assets per employee ($millions) | 6.6841% | 1,242 |
| Cash dividends to net income (ytd only)* | 187.4414% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 3,938 |
| Loan loss allowance to noncurrent loans | 70.0520% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 1,062 |
| Noncurrent loans to loans | 1.3533% | 1,189 |
| Net loans and leases to total assets | 86.3950% | 122 |
| Net loans and leases to deposits | 117.5799% | 100 |
| Net loans and leases to core deposits | 125.3567% | 345 |
| Total domestic deposits to total assets | 73.4777% | 4,690 |
| Equity capital to assets | 10.4116% | 3,401 |
| Core capital (leverage) ratio | 10.4103% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2604% | 3,021 |
| Memoranda: | ||
| Average total assets | $1,070,551,500 | 775 |
| Average earning assets | $1,016,415,000 | 750 |
| Average equity | $112,650,000 | 852 |
| Average total loans | $922,192,000 | 649 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,838 |
| Cost of funding earning assets | 0.9740% | 1,833 |
| Net interest margin | 3.5578% | 3,260 |
| Noninterest income to average assets | 0.5810% | 2,311 |
| Noninterest expense to average assets | 2.5960% | 3,183 |
| Loan and lease loss provision to assets | 0.0585% | 2,866 |
| Net operating income to assets | 0.9414% | 3,052 |
| Return on assets (ROA) | 0.9757% | 3,008 |
| Pretax return on assets | 1.3591% | 2,300 |
| Return on Equity (ROE) | 9.3540% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.3540% | 627 |
| Net charge-offs to loans | 0.0003% | 3,719 |
| Credit loss provision to net charge-offs | 20,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 4,695.0000% | 10 |
| Efficiency ratio | 65.3872% | 2,859 |
| Assets per employee ($millions) | 6.4155% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,687 |
| Loan loss allowance to noncurrent loans | 67.7683% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 967 |
| Noncurrent loans to loans | 1.4198% | 1,035 |
| Net loans and leases to total assets | 84.2320% | 302 |
| Net loans and leases to deposits | 111.8006% | 153 |
| Net loans and leases to core deposits | 114.4791% | 655 |
| Total domestic deposits to total assets | 75.3413% | 4,670 |
| Equity capital to assets | 10.6348% | 3,322 |
| Core capital (leverage) ratio | 10.8838% | 2,607 |
| Tier 1 risk-based capital ratio | 11.9133% | 4,411 |
| Total risk-based capital ratio | 12.8308% | 4,468 |
| Memoranda: | ||
| Average total assets | $1,024,946,600 | 764 |
| Average earning assets | $976,377,200 | 739 |
| Average equity | $106,906,400 | 853 |
| Average total loans | $891,416,000 | 647 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 3,037 |
| Cost of funding earning assets | 0.9909% | 1,803 |
| Net interest margin | 3.5160% | 3,520 |
| Noninterest income to average assets | 0.5810% | 2,304 |
| Noninterest expense to average assets | 2.5649% | 3,258 |
| Loan and lease loss provision to assets | 0.0591% | 2,710 |
| Net operating income to assets | 0.9416% | 3,198 |
| Return on assets (ROA) | 0.9926% | 3,078 |
| Pretax return on assets | 1.3795% | 2,389 |
| Return on Equity (ROE) | 9.5656% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.5656% | 875 |
| Net charge-offs to loans | -0.0054% | 4,225 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1181% | 2,837 |
| Assets per employee ($millions) | 6.4071% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,871 |
| Loan loss allowance to noncurrent loans | 166.3251% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,544 |
| Noncurrent loans to loans | 0.5654% | 2,601 |
| Net loans and leases to total assets | 86.7820% | 149 |
| Net loans and leases to deposits | 112.2923% | 172 |
| Net loans and leases to core deposits | 123.3699% | 425 |
| Total domestic deposits to total assets | 77.2823% | 4,479 |
| Equity capital to assets | 10.6261% | 3,438 |
| Core capital (leverage) ratio | 10.5941% | 3,013 |
| Tier 1 risk-based capital ratio | 11.5891% | 4,630 |
| Total risk-based capital ratio | 12.4898% | 4,694 |
| Memoranda: | ||
| Average total assets | $1,014,941,500 | 774 |
| Average earning assets | $969,294,750 | 745 |
| Average equity | $105,318,750 | 861 |
| Average total loans | $887,830,500 | 649 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 3,184 |
| Cost of funding earning assets | 0.9596% | 1,867 |
| Net interest margin | 3.4892% | 3,630 |
| Noninterest income to average assets | 0.5625% | 2,328 |
| Noninterest expense to average assets | 2.5615% | 3,297 |
| Loan and lease loss provision to assets | 0.0597% | 2,629 |
| Net operating income to assets | 0.9141% | 3,229 |
| Return on assets (ROA) | 0.9268% | 3,241 |
| Pretax return on assets | 1.2900% | 2,597 |
| Return on Equity (ROE) | 9.0068% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.0068% | 1,027 |
| Net charge-offs to loans | 0.0077% | 2,870 |
| Credit loss provision to net charge-offs | 882.3529% | 386 |
| Earnings coverage of net charge-offs (x) | 197.1176% | 393 |
| Efficiency ratio | 65.7625% | 2,847 |
| Assets per employee ($millions) | 6.2155% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 3,958 |
| Loan loss allowance to noncurrent loans | 156.6225% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,492 |
| Noncurrent loans to loans | 0.5944% | 2,490 |
| Net loans and leases to total assets | 85.9529% | 218 |
| Net loans and leases to deposits | 111.4041% | 192 |
| Net loans and leases to core deposits | 122.3963% | 476 |
| Total domestic deposits to total assets | 77.1542% | 4,546 |
| Equity capital to assets | 10.3916% | 3,612 |
| Core capital (leverage) ratio | 10.5818% | 2,998 |
| Tier 1 risk-based capital ratio | 11.5313% | 4,667 |
| Total risk-based capital ratio | 12.4281% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,005,133,670 | 779 |
| Average earning assets | $959,979,330 | 751 |
| Average equity | $103,433,330 | 868 |
| Average total loans | $878,799,000 | 660 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 3,134 |
| Cost of funding earning assets | 0.8963% | 2,024 |
| Net interest margin | 3.5286% | 3,504 |
| Noninterest income to average assets | 0.4454% | 2,872 |
| Noninterest expense to average assets | 2.5286% | 3,420 |
| Loan and lease loss provision to assets | 0.0607% | 2,443 |
| Net operating income to assets | 0.8793% | 3,310 |
| Return on assets (ROA) | 0.9014% | 3,280 |
| Pretax return on assets | 1.2513% | 2,622 |
| Return on Equity (ROE) | 8.8048% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.8048% | 1,383 |
| Net charge-offs to loans | 0.0263% | 1,929 |
| Credit loss provision to net charge-offs | 263.1579% | 899 |
| Earnings coverage of net charge-offs (x) | 55.6842% | 959 |
| Efficiency ratio | 66.3200% | 2,899 |
| Assets per employee ($millions) | 6.2768% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,039 |
| Loan loss allowance to noncurrent loans | 881.9549% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,348 |
| Noncurrent loans to loans | 0.1054% | 4,265 |
| Net loans and leases to total assets | 87.1674% | 141 |
| Net loans and leases to deposits | 114.8917% | 137 |
| Net loans and leases to core deposits | 122.0914% | 482 |
| Total domestic deposits to total assets | 75.8692% | 4,775 |
| Equity capital to assets | 10.2417% | 3,583 |
| Core capital (leverage) ratio | 10.4871% | 3,065 |
| Tier 1 risk-based capital ratio | 11.3055% | 4,836 |
| Total risk-based capital ratio | 12.2035% | 4,902 |
| Memoranda: | ||
| Average total assets | $988,706,000 | 794 |
| Average earning assets | $943,479,000 | 767 |
| Average equity | $101,218,000 | 878 |
| Average total loans | $867,915,500 | 667 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,971 |
| Cost of funding earning assets | 0.5503% | 3,046 |
| Net interest margin | 3.7879% | 2,703 |
| Noninterest income to average assets | 0.6033% | 2,273 |
| Noninterest expense to average assets | 2.7891% | 2,728 |
| Loan and lease loss provision to assets | 0.0956% | 2,245 |
| Net operating income to assets | 0.9525% | 3,213 |
| Return on assets (ROA) | 1.0379% | 2,838 |
| Pretax return on assets | 1.4370% | 2,002 |
| Return on Equity (ROE) | 10.2318% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.1379% | 1,173 |
| Net charge-offs to loans | 0.0181% | 3,094 |
| Credit loss provision to net charge-offs | 604.0268% | 572 |
| Earnings coverage of net charge-offs (x) | 90.0201% | 793 |
| Efficiency ratio | 66.1937% | 2,840 |
| Assets per employee ($millions) | 6.0843% | 1,468 |
| Cash dividends to net income (ytd only)* | 20.4645% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,950 |
| Loan loss allowance to noncurrent loans | 859.0476% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,340 |
| Noncurrent loans to loans | 0.1109% | 4,233 |
| Net loans and leases to total assets | 86.7078% | 191 |
| Net loans and leases to deposits | 113.6882% | 169 |
| Net loans and leases to core deposits | 114.7949% | 748 |
| Total domestic deposits to total assets | 76.2680% | 4,724 |
| Equity capital to assets | 10.1292% | 3,543 |
| Core capital (leverage) ratio | 10.3201% | 3,231 |
| Tier 1 risk-based capital ratio | 11.1949% | 4,866 |
| Total risk-based capital ratio | 12.1021% | 4,930 |
| Memoranda: | ||
| Average total assets | $941,624,200 | 809 |
| Average earning assets | $897,470,000 | 785 |
| Average equity | $95,515,800 | 887 |
| Average total loans | $823,235,800 | 679 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,074 |
| Cost of funding earning assets | 0.5075% | 3,147 |
| Net interest margin | 3.7633% | 2,780 |
| Noninterest income to average assets | 0.5989% | 2,313 |
| Noninterest expense to average assets | 2.6710% | 3,063 |
| Loan and lease loss provision to assets | 0.0964% | 2,053 |
| Net operating income to assets | 1.0106% | 3,040 |
| Return on assets (ROA) | 1.2588% | 2,011 |
| Pretax return on assets | 1.7374% | 1,186 |
| Return on Equity (ROE) | 12.4051% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.9979% | 648 |
| Net charge-offs to loans | 0.0167% | 2,840 |
| Credit loss provision to net charge-offs | 661.7647% | 551 |
| Earnings coverage of net charge-offs (x) | 104.3210% | 725 |
| Efficiency ratio | 63.7383% | 3,230 |
| Assets per employee ($millions) | 6.1670% | 1,372 |
| Cash dividends to net income (ytd only)* | 11.3443% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 4,095 |
| Loan loss allowance to noncurrent loans | 803.6437% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,462 |
| Noncurrent loans to loans | 0.1168% | 4,366 |
| Net loans and leases to total assets | 87.0731% | 184 |
| Net loans and leases to deposits | 108.9870% | 319 |
| Net loans and leases to core deposits | 118.6025% | 623 |
| Total domestic deposits to total assets | 79.8931% | 4,144 |
| Equity capital to assets | 10.1520% | 3,490 |
| Core capital (leverage) ratio | 10.5634% | 3,012 |
| Tier 1 risk-based capital ratio | 11.2875% | 4,905 |
| Total risk-based capital ratio | 12.1818% | 4,970 |
| Memoranda: | ||
| Average total assets | $933,659,000 | 813 |
| Average earning assets | $891,065,250 | 786 |
| Average equity | $94,743,250 | 888 |
| Average total loans | $815,993,500 | 685 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 3,040 |
| Cost of funding earning assets | 0.4730% | 3,204 |
| Net interest margin | 3.7505% | 2,749 |
| Noninterest income to average assets | 0.6282% | 2,187 |
| Noninterest expense to average assets | 2.7187% | 2,947 |
| Loan and lease loss provision to assets | 0.0974% | 1,989 |
| Net operating income to assets | 0.9753% | 3,121 |
| Return on assets (ROA) | 1.3514% | 1,602 |
| Pretax return on assets | 1.8645% | 851 |
| Return on Equity (ROE) | 13.3200% | 1,258 |
| Retained earnings to average equity (ytd only) | 11.1871% | 633 |
| Net charge-offs to loans | 0.0196% | 2,496 |
| Credit loss provision to net charge-offs | 569.6203% | 653 |
| Earnings coverage of net charge-offs (x) | 86.9114% | 776 |
| Efficiency ratio | 64.6611% | 3,220 |
| Assets per employee ($millions) | 5.8989% | 1,548 |
| Cash dividends to net income (ytd only)* | 16.0128% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,162 |
| Loan loss allowance to noncurrent loans | 739.0640% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,445 |
| Noncurrent loans to loans | 0.1271% | 4,339 |
| Net loans and leases to total assets | 85.9423% | 271 |
| Net loans and leases to deposits | 109.6799% | 292 |
| Net loans and leases to core deposits | 116.2354% | 704 |
| Total domestic deposits to total assets | 78.3574% | 4,529 |
| Equity capital to assets | 10.0677% | 3,561 |
| Core capital (leverage) ratio | 10.4817% | 3,049 |
| Tier 1 risk-based capital ratio | 11.3847% | 4,848 |
| Total risk-based capital ratio | 12.2868% | 4,934 |
| Memoranda: | ||
| Average total assets | $924,195,330 | 822 |
| Average earning assets | $881,273,000 | 799 |
| Average equity | $93,768,670 | 892 |
| Average total loans | $806,115,670 | 687 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,057 |
| Cost of funding earning assets | 0.4186% | 3,459 |
| Net interest margin | 3.7344% | 2,671 |
| Noninterest income to average assets | 0.6565% | 2,009 |
| Noninterest expense to average assets | 2.6819% | 3,092 |
| Loan and lease loss provision to assets | 0.0987% | 1,872 |
| Net operating income to assets | 0.9826% | 2,924 |
| Return on assets (ROA) | 1.7454% | 630 |
| Pretax return on assets | 2.3962% | 264 |
| Return on Equity (ROE) | 17.1338% | 499 |
| Retained earnings to average equity (ytd only) | 17.1338% | 187 |
| Net charge-offs to loans | 0.0080% | 2,449 |
| Credit loss provision to net charge-offs | 1,406.2500% | 263 |
| Earnings coverage of net charge-offs (x) | 217.8125% | 312 |
| Efficiency ratio | 63.6828% | 3,529 |
| Assets per employee ($millions) | 5.6827% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,303 |
| Loan loss allowance to noncurrent loans | 601.7474% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 4,411 |
| Noncurrent loans to loans | 0.1546% | 4,287 |
| Net loans and leases to total assets | 87.1267% | 188 |
| Net loans and leases to deposits | 108.4269% | 308 |
| Net loans and leases to core deposits | 122.2743% | 516 |
| Total domestic deposits to total assets | 80.3553% | 4,352 |
| Equity capital to assets | 10.1981% | 3,399 |
| Core capital (leverage) ratio | 10.6938% | 2,745 |
| Tier 1 risk-based capital ratio | 11.4111% | 4,909 |
| Total risk-based capital ratio | 12.3081% | 5,006 |
| Memoranda: | ||
| Average total assets | $911,431,500 | 846 |
| Average earning assets | $867,620,500 | 820 |
| Average equity | $92,845,500 | 906 |
| Average total loans | $797,197,500 | 696 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 3,140 |
| Cost of funding earning assets | 0.3015% | 4,126 |
| Net interest margin | 3.7755% | 2,518 |
| Noninterest income to average assets | 0.6217% | 2,343 |
| Noninterest expense to average assets | 2.9536% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7088% | 3,565 |
| Return on assets (ROA) | 0.7088% | 3,619 |
| Pretax return on assets | 1.2550% | 2,528 |
| Return on Equity (ROE) | 6.7602% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.7602% | 1,172 |
| Net charge-offs to loans | 0.0526% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.5182% | 1,634 |
| Efficiency ratio | 70.1800% | 2,518 |
| Assets per employee ($millions) | 5.5344% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,245 |
| Loan loss allowance to noncurrent loans | 489.8271% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,301 |
| Noncurrent loans to loans | 0.1929% | 4,144 |
| Net loans and leases to total assets | 86.1509% | 247 |
| Net loans and leases to deposits | 109.0776% | 292 |
| Net loans and leases to core deposits | 123.1116% | 492 |
| Total domestic deposits to total assets | 78.9813% | 4,551 |
| Equity capital to assets | 10.1751% | 3,518 |
| Core capital (leverage) ratio | 10.3982% | 2,967 |
| Tier 1 risk-based capital ratio | 11.3783% | 4,931 |
| Total risk-based capital ratio | 12.2854% | 5,009 |
| Memoranda: | ||
| Average total assets | $841,990,600 | 886 |
| Average earning assets | $799,914,200 | 859 |
| Average equity | $88,281,000 | 919 |
| Average total loans | $729,562,600 | 722 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,209 |
| Cost of funding earning assets | 0.2832% | 4,286 |
| Net interest margin | 3.7588% | 2,542 |
| Noninterest income to average assets | 0.6443% | 2,239 |
| Noninterest expense to average assets | 3.0835% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6950% | 4,009 |
| Return on assets (ROA) | 0.6950% | 4,074 |
| Pretax return on assets | 1.1372% | 3,162 |
| Return on Equity (ROE) | 6.5763% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.5763% | 1,926 |
| Net charge-offs to loans | 0.0653% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 20.1281% | 1,968 |
| Efficiency ratio | 73.0570% | 2,034 |
| Assets per employee ($millions) | 5.3249% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,193 |
| Loan loss allowance to noncurrent loans | 476.8041% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 4,244 |
| Noncurrent loans to loans | 0.2052% | 4,259 |
| Net loans and leases to total assets | 86.2780% | 241 |
| Net loans and leases to deposits | 109.6671% | 285 |
| Net loans and leases to core deposits | 123.1953% | 483 |
| Total domestic deposits to total assets | 78.6727% | 4,599 |
| Equity capital to assets | 10.3573% | 3,527 |
| Core capital (leverage) ratio | 10.7424% | 2,713 |
| Tier 1 risk-based capital ratio | 11.5348% | 4,941 |
| Total risk-based capital ratio | 12.4774% | 5,016 |
| Memoranda: | ||
| Average total assets | $828,343,500 | 902 |
| Average earning assets | $788,132,500 | 875 |
| Average equity | $87,544,250 | 929 |
| Average total loans | $717,008,750 | 735 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,211 |
| Cost of funding earning assets | 0.2637% | 4,431 |
| Net interest margin | 3.7327% | 2,536 |
| Noninterest income to average assets | 0.6114% | 2,403 |
| Noninterest expense to average assets | 3.1411% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6306% | 4,160 |
| Return on assets (ROA) | 0.6306% | 4,208 |
| Pretax return on assets | 1.0199% | 3,477 |
| Return on Equity (ROE) | 5.9244% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.9244% | 2,163 |
| Net charge-offs to loans | -0.0088% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4879% | 1,803 |
| Assets per employee ($millions) | 4.8827% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,668 |
| Loan loss allowance to noncurrent loans | 310.5347% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 3,544 |
| Noncurrent loans to loans | 0.3494% | 3,783 |
| Net loans and leases to total assets | 85.9813% | 273 |
| Net loans and leases to deposits | 114.6243% | 186 |
| Net loans and leases to core deposits | 130.6052% | 298 |
| Total domestic deposits to total assets | 75.0114% | 5,199 |
| Equity capital to assets | 10.6966% | 3,135 |
| Core capital (leverage) ratio | 10.9428% | 2,467 |
| Tier 1 risk-based capital ratio | 12.1323% | 4,546 |
| Total risk-based capital ratio | 13.1954% | 4,562 |
| Memoranda: | ||
| Average total assets | $815,139,000 | 925 |
| Average earning assets | $775,140,330 | 897 |
| Average equity | $86,760,000 | 943 |
| Average total loans | $703,926,330 | 743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,349 |
| Cost of funding earning assets | 0.2416% | 4,619 |
| Net interest margin | 3.6733% | 2,590 |
| Noninterest income to average assets | 0.5698% | 2,558 |
| Noninterest expense to average assets | 3.1373% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5698% | 4,282 |
| Return on assets (ROA) | 0.5698% | 4,327 |
| Pretax return on assets | 0.9228% | 3,683 |
| Return on Equity (ROE) | 5.3670% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.3670% | 2,693 |
| Net charge-offs to loans | -0.0120% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2711% | 1,724 |
| Assets per employee ($millions) | 4.6980% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,667 |
| Loan loss allowance to noncurrent loans | 220.9838% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 3,450 |
| Noncurrent loans to loans | 0.5018% | 3,303 |
| Net loans and leases to total assets | 85.7707% | 240 |
| Net loans and leases to deposits | 105.2731% | 350 |
| Net loans and leases to core deposits | 118.3239% | 512 |
| Total domestic deposits to total assets | 81.4745% | 4,306 |
| Equity capital to assets | 10.7265% | 2,933 |
| Core capital (leverage) ratio | 10.8328% | 2,570 |
| Tier 1 risk-based capital ratio | 12.1890% | 4,591 |
| Total risk-based capital ratio | 13.2729% | 4,594 |
| Memoranda: | ||
| Average total assets | $810,120,500 | 933 |
| Average earning assets | $769,772,000 | 906 |
| Average equity | $86,007,000 | 950 |
| Average total loans | $697,250,000 | 750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,033 |
| Cost of funding earning assets | 0.2157% | 4,879 |
| Net interest margin | 3.8320% | 2,202 |
| Noninterest income to average assets | 0.6070% | 2,623 |
| Noninterest expense to average assets | 3.2206% | 1,741 |
| Loan and lease loss provision to assets | -0.5769% | 5,884 |
| Net operating income to assets | 0.9603% | 2,536 |
| Return on assets (ROA) | 0.9590% | 2,648 |
| Pretax return on assets | 1.5582% | 1,410 |
| Return on Equity (ROE) | 8.8201% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,580 |
| Net charge-offs to loans | -0.0057% | 4,828 |
| Credit loss provision to net charge-offs | 11,842.1053% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6094% | 1,903 |
| Assets per employee ($millions) | 4.6677% | 2,848 |
| Cash dividends to net income (ytd only)* | 62.8342% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,614 |
| Loan loss allowance to noncurrent loans | 215.3654% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 3,377 |
| Noncurrent loans to loans | 0.5188% | 3,293 |
| Net loans and leases to total assets | 84.4514% | 345 |
| Net loans and leases to deposits | 97.7013% | 854 |
| Net loans and leases to core deposits | 116.6787% | 588 |
| Total domestic deposits to total assets | 86.4384% | 2,401 |
| Equity capital to assets | 10.5072% | 3,145 |
| Core capital (leverage) ratio | 10.9373% | 2,397 |
| Tier 1 risk-based capital ratio | 12.0489% | 4,695 |
| Total risk-based capital ratio | 13.1318% | 4,695 |
| Memoranda: | ||
| Average total assets | $780,019,600 | 927 |
| Average earning assets | $732,146,600 | 907 |
| Average equity | $84,806,200 | 938 |
| Average total loans | $662,420,600 | 754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,944 |
| Cost of funding earning assets | 0.2138% | 4,938 |
| Net interest margin | 3.8677% | 2,093 |
| Noninterest income to average assets | 0.6864% | 2,229 |
| Noninterest expense to average assets | 3.3251% | 1,504 |
| Loan and lease loss provision to assets | -0.7772% | 5,961 |
| Net operating income to assets | 1.0837% | 2,069 |
| Return on assets (ROA) | 1.0826% | 2,173 |
| Pretax return on assets | 1.7610% | 977 |
| Return on Equity (ROE) | 9.8698% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.4690% | 4,443 |
| Net charge-offs to loans | 0.0016% | 3,879 |
| Credit loss provision to net charge-offs | -56,250.0000% | 5,482 |
| Earnings coverage of net charge-offs (x) | 713.0094% | 129 |
| Efficiency ratio | 77.1376% | 1,816 |
| Assets per employee ($millions) | 4.6494% | 2,842 |
| Cash dividends to net income (ytd only)* | 74.9841% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,409 |
| Loan loss allowance to noncurrent loans | 192.4326% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,831 |
| Noncurrent loans to loans | 0.6096% | 3,192 |
| Net loans and leases to total assets | 83.6072% | 449 |
| Net loans and leases to deposits | 101.7498% | 591 |
| Net loans and leases to core deposits | 115.0787% | 688 |
| Total domestic deposits to total assets | 82.1694% | 3,893 |
| Equity capital to assets | 10.9661% | 3,047 |
| Core capital (leverage) ratio | 11.0753% | 2,375 |
| Tier 1 risk-based capital ratio | 12.2785% | 4,624 |
| Total risk-based capital ratio | 13.3911% | 4,614 |
| Memoranda: | ||
| Average total assets | $771,977,500 | 934 |
| Average earning assets | $723,384,000 | 919 |
| Average equity | $84,673,250 | 948 |
| Average total loans | $654,612,000 | 758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 2,846 |
| Cost of funding earning assets | 0.2147% | 4,995 |
| Net interest margin | 3.8877% | 2,023 |
| Noninterest income to average assets | 0.6344% | 2,446 |
| Noninterest expense to average assets | 3.3428% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5686% | 4,405 |
| Return on assets (ROA) | 0.5669% | 4,538 |
| Pretax return on assets | 0.9134% | 3,902 |
| Return on Equity (ROE) | 5.1683% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.1683% | 2,620 |
| Net charge-offs to loans | -0.0462% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4909% | 1,712 |
| Assets per employee ($millions) | 4.4066% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 962 |
| Loan loss allowance to noncurrent loans | 256.8876% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 2,423 |
| Noncurrent loans to loans | 0.7238% | 2,923 |
| Net loans and leases to total assets | 84.1446% | 410 |
| Net loans and leases to deposits | 105.9112% | 370 |
| Net loans and leases to core deposits | 121.5388% | 474 |
| Total domestic deposits to total assets | 79.4483% | 4,683 |
| Equity capital to assets | 11.0838% | 2,967 |
| Core capital (leverage) ratio | 11.2114% | 2,225 |
| Tier 1 risk-based capital ratio | 12.2152% | 4,694 |
| Total risk-based capital ratio | 13.4716% | 4,612 |
| Memoranda: | ||
| Average total assets | $770,486,670 | 931 |
| Average earning assets | $718,318,670 | 927 |
| Average equity | $84,515,670 | 940 |
| Average total loans | $653,858,330 | 758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 2,720 |
| Cost of funding earning assets | 0.2206% | 4,997 |
| Net interest margin | 3.9113% | 1,901 |
| Noninterest income to average assets | 0.6485% | 2,274 |
| Noninterest expense to average assets | 3.3596% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5683% | 4,328 |
| Return on assets (ROA) | 0.5683% | 4,434 |
| Pretax return on assets | 0.9183% | 3,775 |
| Return on Equity (ROE) | 5.2081% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.2081% | 2,809 |
| Net charge-offs to loans | -0.0191% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5340% | 1,822 |
| Assets per employee ($millions) | 4.3305% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 983 |
| Loan loss allowance to noncurrent loans | 274.3446% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 2,435 |
| Noncurrent loans to loans | 0.6891% | 3,124 |
| Net loans and leases to total assets | 84.3271% | 339 |
| Net loans and leases to deposits | 97.5811% | 795 |
| Net loans and leases to core deposits | 112.7571% | 721 |
| Total domestic deposits to total assets | 86.4174% | 2,484 |
| Equity capital to assets | 11.2328% | 2,701 |
| Core capital (leverage) ratio | 11.2462% | 2,188 |
| Tier 1 risk-based capital ratio | 12.5491% | 4,544 |
| Total risk-based capital ratio | 13.8060% | 4,455 |
| Memoranda: | ||
| Average total assets | $767,949,500 | 935 |
| Average earning assets | $712,600,000 | 935 |
| Average equity | $83,792,500 | 948 |
| Average total loans | $648,309,000 | 762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,118 |
| Cost of funding earning assets | 0.2139% | 5,150 |
| Net interest margin | 4.1162% | 1,373 |
| Noninterest income to average assets | 0.6291% | 2,564 |
| Noninterest expense to average assets | 3.1367% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8179% | 3,259 |
| Return on assets (ROA) | 0.8133% | 3,361 |
| Pretax return on assets | 1.3204% | 2,201 |
| Return on Equity (ROE) | 7.4545% | 3,270 |
| Retained earnings to average equity (ytd only) | 2.8775% | 4,015 |
| Net charge-offs to loans | -0.1464% | 5,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2617% | 3,183 |
| Assets per employee ($millions) | 4.6850% | 2,749 |
| Cash dividends to net income (ytd only)* | 61.3993% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 988 |
| Loan loss allowance to noncurrent loans | 258.5309% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 2,341 |
| Noncurrent loans to loans | 0.7279% | 3,000 |
| Net loans and leases to total assets | 81.3851% | 655 |
| Net loans and leases to deposits | 94.5600% | 1,146 |
| Net loans and leases to core deposits | 113.6526% | 698 |
| Total domestic deposits to total assets | 86.0672% | 2,605 |
| Equity capital to assets | 10.6015% | 3,246 |
| Core capital (leverage) ratio | 11.0094% | 2,396 |
| Tier 1 risk-based capital ratio | 12.3239% | 4,748 |
| Total risk-based capital ratio | 13.5808% | 4,637 |
| Memoranda: | ||
| Average total assets | $760,984,600 | 911 |
| Average earning assets | $709,050,800 | 898 |
| Average equity | $83,023,400 | 918 |
| Average total loans | $636,107,400 | 736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,427 |
| Cost of funding earning assets | 0.2168% | 5,217 |
| Net interest margin | 4.0279% | 1,613 |
| Noninterest income to average assets | 0.7248% | 2,128 |
| Noninterest expense to average assets | 3.1685% | 2,050 |
| Loan and lease loss provision to assets | 0.0353% | 3,514 |
| Net operating income to assets | 0.7942% | 3,458 |
| Return on assets (ROA) | 0.7942% | 3,544 |
| Pretax return on assets | 1.2904% | 2,428 |
| Return on Equity (ROE) | 7.2266% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.2266% | 1,588 |
| Net charge-offs to loans | -0.0594% | 5,596 |
| Credit loss provision to net charge-offs | -70.9220% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5026% | 3,134 |
| Assets per employee ($millions) | 4.4273% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 1,250 |
| Loan loss allowance to noncurrent loans | 223.3954% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 2,370 |
| Noncurrent loans to loans | 0.8092% | 2,942 |
| Net loans and leases to total assets | 83.9117% | 387 |
| Net loans and leases to deposits | 98.8767% | 740 |
| Net loans and leases to core deposits | 112.2783% | 748 |
| Total domestic deposits to total assets | 84.8649% | 3,071 |
| Equity capital to assets | 11.2269% | 2,774 |
| Core capital (leverage) ratio | 11.3225% | 2,171 |
| Tier 1 risk-based capital ratio | 12.7366% | 4,588 |
| Total risk-based capital ratio | 13.9928% | 4,489 |
| Memoranda: | ||
| Average total assets | $755,633,250 | 921 |
| Average earning assets | $707,116,250 | 904 |
| Average equity | $83,043,000 | 925 |
| Average total loans | $632,893,750 | 746 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,284 |
| Cost of funding earning assets | 0.2219% | 5,238 |
| Net interest margin | 4.0481% | 1,501 |
| Noninterest income to average assets | 0.6483% | 2,484 |
| Noninterest expense to average assets | 3.1204% | 2,185 |
| Loan and lease loss provision to assets | 0.0531% | 3,060 |
| Net operating income to assets | 0.7696% | 3,539 |
| Return on assets (ROA) | 0.7696% | 3,640 |
| Pretax return on assets | 1.2515% | 2,544 |
| Return on Equity (ROE) | 7.0537% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.0537% | 1,676 |
| Net charge-offs to loans | -0.0807% | 5,705 |
| Credit loss provision to net charge-offs | -79.0514% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5187% | 3,258 |
| Assets per employee ($millions) | 4.4004% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 1,274 |
| Loan loss allowance to noncurrent loans | 206.9300% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 2,311 |
| Noncurrent loans to loans | 0.8929% | 2,897 |
| Net loans and leases to total assets | 81.8862% | 563 |
| Net loans and leases to deposits | 98.7475% | 734 |
| Net loans and leases to core deposits | 113.6402% | 682 |
| Total domestic deposits to total assets | 82.9249% | 3,981 |
| Equity capital to assets | 10.9775% | 2,910 |
| Core capital (leverage) ratio | 11.2277% | 2,222 |
| Tier 1 risk-based capital ratio | 12.6338% | 4,720 |
| Total risk-based capital ratio | 13.8902% | 4,643 |
| Memoranda: | ||
| Average total assets | $753,681,000 | 925 |
| Average earning assets | $703,150,000 | 912 |
| Average equity | $82,226,670 | 936 |
| Average total loans | $626,944,000 | 749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 2,497 |
| Cost of funding earning assets | 0.2289% | 5,229 |
| Net interest margin | 3.9616% | 1,681 |
| Noninterest income to average assets | 0.5985% | 2,661 |
| Noninterest expense to average assets | 3.0762% | 2,343 |
| Loan and lease loss provision to assets | 0.0533% | 2,876 |
| Net operating income to assets | 0.7169% | 3,719 |
| Return on assets (ROA) | 0.7169% | 3,843 |
| Pretax return on assets | 1.1703% | 2,781 |
| Return on Equity (ROE) | 6.5918% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.5918% | 2,193 |
| Net charge-offs to loans | -0.0706% | 5,698 |
| Credit loss provision to net charge-offs | -90.9091% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5420% | 3,241 |
| Assets per employee ($millions) | 4.3831% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 1,409 |
| Loan loss allowance to noncurrent loans | 164.9017% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 2,033 |
| Noncurrent loans to loans | 1.1175% | 2,540 |
| Net loans and leases to total assets | 80.7250% | 607 |
| Net loans and leases to deposits | 93.0607% | 1,080 |
| Net loans and leases to core deposits | 106.8425% | 885 |
| Total domestic deposits to total assets | 86.7445% | 2,530 |
| Equity capital to assets | 10.8642% | 3,127 |
| Core capital (leverage) ratio | 11.1206% | 2,297 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,775 |
| Total risk-based capital ratio | 13.9723% | 4,694 |
| Memoranda: | ||
| Average total assets | $749,889,000 | 928 |
| Average earning assets | $700,626,500 | 917 |
| Average equity | $81,556,000 | 938 |
| Average total loans | $622,863,000 | 751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 2,123 |
| Cost of funding earning assets | 0.2524% | 5,300 |
| Net interest margin | 4.1791% | 1,360 |
| Noninterest income to average assets | 0.6182% | 2,750 |
| Noninterest expense to average assets | 3.1525% | 2,351 |
| Loan and lease loss provision to assets | 0.1650% | 1,587 |
| Net operating income to assets | 0.7326% | 3,721 |
| Return on assets (ROA) | 0.7326% | 3,828 |
| Pretax return on assets | 1.1881% | 2,700 |
| Return on Equity (ROE) | 6.5498% | 3,870 |
| Retained earnings to average equity (ytd only) | 1.8775% | 4,865 |
| Net charge-offs to loans | 0.4230% | 1,005 |
| Credit loss provision to net charge-offs | 46.0829% | 3,569 |
| Earnings coverage of net charge-offs (x) | 3.7784% | 3,810 |
| Efficiency ratio | 69.9683% | 3,529 |
| Assets per employee ($millions) | 4.3363% | 3,292 |
| Cash dividends to net income (ytd only)* | 71.3347% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 1,504 |
| Loan loss allowance to noncurrent loans | 164.3169% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 2,004 |
| Noncurrent loans to loans | 1.1037% | 2,621 |
| Net loans and leases to total assets | 82.3779% | 483 |
| Net loans and leases to deposits | 103.1353% | 469 |
| Net loans and leases to core deposits | 126.9840% | 285 |
| Total domestic deposits to total assets | 79.8736% | 5,055 |
| Equity capital to assets | 10.8875% | 3,029 |
| Core capital (leverage) ratio | 11.1256% | 2,287 |
| Tier 1 risk-based capital ratio | 12.9447% | 4,755 |
| Total risk-based capital ratio | 14.2017% | 4,667 |
| Memoranda: | ||
| Average total assets | $727,136,200 | 926 |
| Average earning assets | $676,393,200 | 909 |
| Average equity | $81,330,200 | 901 |
| Average total loans | $615,548,200 | 711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,005 |
| Cost of funding earning assets | 0.2578% | 5,331 |
| Net interest margin | 4.2062% | 1,273 |
| Noninterest income to average assets | 0.6547% | 2,552 |
| Noninterest expense to average assets | 3.1310% | 2,380 |
| Loan and lease loss provision to assets | 0.2211% | 1,035 |
| Net operating income to assets | 0.7485% | 3,672 |
| Return on assets (ROA) | 0.7485% | 3,768 |
| Pretax return on assets | 1.2144% | 2,719 |
| Return on Equity (ROE) | 6.6469% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.6469% | 2,017 |
| Net charge-offs to loans | 0.4609% | 848 |
| Credit loss provision to net charge-offs | 56.5504% | 3,003 |
| Earnings coverage of net charge-offs (x) | 3.6711% | 3,615 |
| Efficiency ratio | 68.5646% | 3,753 |
| Assets per employee ($millions) | 4.3164% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,418 |
| Loan loss allowance to noncurrent loans | 148.7796% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 1,954 |
| Noncurrent loans to loans | 1.2877% | 2,487 |
| Net loans and leases to total assets | 83.5526% | 358 |
| Net loans and leases to deposits | 107.8570% | 271 |
| Net loans and leases to core deposits | 127.4900% | 265 |
| Total domestic deposits to total assets | 77.4661% | 5,608 |
| Equity capital to assets | 11.5410% | 2,440 |
| Core capital (leverage) ratio | 11.6474% | 1,945 |
| Tier 1 risk-based capital ratio | 13.5309% | 4,516 |
| Total risk-based capital ratio | 14.7890% | 4,457 |
| Memoranda: | ||
| Average total assets | $723,545,500 | 938 |
| Average earning assets | $672,899,500 | 918 |
| Average equity | $81,480,000 | 900 |
| Average total loans | $613,907,000 | 712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 1,980 |
| Cost of funding earning assets | 0.2630% | 5,356 |
| Net interest margin | 4.1913% | 1,268 |
| Noninterest income to average assets | 0.6126% | 2,750 |
| Noninterest expense to average assets | 3.1342% | 2,380 |
| Loan and lease loss provision to assets | 0.2071% | 1,150 |
| Net operating income to assets | 0.7172% | 3,742 |
| Return on assets (ROA) | 0.7172% | 3,840 |
| Pretax return on assets | 1.1642% | 2,820 |
| Return on Equity (ROE) | 6.4220% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.4220% | 2,078 |
| Net charge-offs to loans | 0.3744% | 1,083 |
| Credit loss provision to net charge-offs | 65.2742% | 2,549 |
| Earnings coverage of net charge-offs (x) | 4.3229% | 3,132 |
| Efficiency ratio | 69.5650% | 3,728 |
| Assets per employee ($millions) | 4.4085% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 1,377 |
| Loan loss allowance to noncurrent loans | 125.3520% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 1,816 |
| Noncurrent loans to loans | 1.5878% | 2,193 |
| Net loans and leases to total assets | 83.1769% | 362 |
| Net loans and leases to deposits | 105.1531% | 329 |
| Net loans and leases to core deposits | 128.0870% | 249 |
| Total domestic deposits to total assets | 79.1008% | 5,436 |
| Equity capital to assets | 11.3303% | 2,578 |
| Core capital (leverage) ratio | 11.3520% | 2,116 |
| Tier 1 risk-based capital ratio | 13.3215% | 4,707 |
| Total risk-based capital ratio | 14.5807% | 4,636 |
| Memoranda: | ||
| Average total assets | $724,448,330 | 936 |
| Average earning assets | $672,877,670 | 918 |
| Average equity | $80,909,330 | 901 |
| Average total loans | $613,862,000 | 704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,925 |
| Cost of funding earning assets | 0.2730% | 5,354 |
| Net interest margin | 4.1899% | 1,248 |
| Noninterest income to average assets | 0.5477% | 3,064 |
| Noninterest expense to average assets | 3.1642% | 2,339 |
| Loan and lease loss provision to assets | 0.1660% | 1,458 |
| Net operating income to assets | 0.6805% | 3,782 |
| Return on assets (ROA) | 0.6805% | 3,861 |
| Pretax return on assets | 1.1071% | 2,873 |
| Return on Equity (ROE) | 6.1381% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.1381% | 2,462 |
| Net charge-offs to loans | 0.0738% | 2,410 |
| Credit loss provision to net charge-offs | 265.4867% | 868 |
| Earnings coverage of net charge-offs (x) | 20.3628% | 1,335 |
| Efficiency ratio | 71.3092% | 3,607 |
| Assets per employee ($millions) | 4.3503% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 1,386 |
| Loan loss allowance to noncurrent loans | 122.0652% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.8837% | 1,828 |
| Noncurrent loans to loans | 1.6937% | 2,295 |
| Net loans and leases to total assets | 83.4354% | 268 |
| Net loans and leases to deposits | 101.3312% | 388 |
| Net loans and leases to core deposits | 126.2805% | 226 |
| Total domestic deposits to total assets | 82.3393% | 4,837 |
| Equity capital to assets | 11.0758% | 2,655 |
| Core capital (leverage) ratio | 11.2174% | 2,207 |
| Tier 1 risk-based capital ratio | 12.9662% | 5,025 |
| Total risk-based capital ratio | 14.2262% | 4,949 |
| Memoranda: | ||
| Average total assets | $722,967,500 | 943 |
| Average earning assets | $671,145,000 | 924 |
| Average equity | $80,155,000 | 912 |
| Average total loans | $612,131,000 | 707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,781 |
| Cost of funding earning assets | 0.3721% | 4,925 |
| Net interest margin | 4.2539% | 1,211 |
| Noninterest income to average assets | 0.9401% | 1,547 |
| Noninterest expense to average assets | 3.3020% | 2,147 |
| Loan and lease loss provision to assets | 0.2172% | 1,681 |
| Net operating income to assets | 0.8259% | 3,154 |
| Return on assets (ROA) | 0.8259% | 3,242 |
| Pretax return on assets | 1.3410% | 2,005 |
| Return on Equity (ROE) | 7.2288% | 3,442 |
| Retained earnings to average equity (ytd only) | -0.8335% | 6,034 |
| Net charge-offs to loans | 0.4258% | 1,568 |
| Credit loss provision to net charge-offs | 61.4922% | 3,514 |
| Earnings coverage of net charge-offs (x) | 4.4108% | 3,573 |
| Efficiency ratio | 67.9389% | 4,212 |
| Assets per employee ($millions) | 4.1818% | 3,483 |
| Cash dividends to net income (ytd only)* | 111.5305% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,321 |
| Loan loss allowance to noncurrent loans | 106.9826% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.1223% | 1,684 |
| Noncurrent loans to loans | 1.9711% | 2,024 |
| Net loans and leases to total assets | 82.3560% | 380 |
| Net loans and leases to deposits | 100.5876% | 454 |
| Net loans and leases to core deposits | 120.3620% | 323 |
| Total domestic deposits to total assets | 81.8749% | 4,915 |
| Equity capital to assets | 11.0983% | 2,527 |
| Core capital (leverage) ratio | 11.2624% | 2,150 |
| Tier 1 risk-based capital ratio | 13.2621% | 4,812 |
| Total risk-based capital ratio | 14.5228% | 4,745 |
| Memoranda: | ||
| Average total assets | $705,659,800 | 937 |
| Average earning assets | $650,295,000 | 930 |
| Average equity | $80,621,400 | 887 |
| Average total loans | $585,502,200 | 713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,829 |
| Cost of funding earning assets | 0.3930% | 4,880 |
| Net interest margin | 4.2274% | 1,255 |
| Noninterest income to average assets | 0.9346% | 1,652 |
| Noninterest expense to average assets | 3.4319% | 1,755 |
| Loan and lease loss provision to assets | 0.2906% | 1,183 |
| Net operating income to assets | 0.6810% | 3,951 |
| Return on assets (ROA) | 0.6810% | 4,095 |
| Pretax return on assets | 1.1011% | 3,104 |
| Return on Equity (ROE) | 5.9173% | 4,229 |
| Retained earnings to average equity (ytd only) | -4.7905% | 6,484 |
| Net charge-offs to loans | 0.5246% | 1,230 |
| Credit loss provision to net charge-offs | 67.0017% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.2085% | 3,769 |
| Efficiency ratio | 71.1484% | 3,576 |
| Assets per employee ($millions) | 4.1636% | 3,495 |
| Cash dividends to net income (ytd only)* | 180.9578% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1436% | 1,424 |
| Loan loss allowance to noncurrent loans | 182.6438% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 2,701 |
| Noncurrent loans to loans | 1.1736% | 3,471 |
| Net loans and leases to total assets | 82.6552% | 318 |
| Net loans and leases to deposits | 104.8743% | 268 |
| Net loans and leases to core deposits | 122.3811% | 288 |
| Total domestic deposits to total assets | 78.8137% | 5,783 |
| Equity capital to assets | 10.8763% | 2,889 |
| Core capital (leverage) ratio | 11.0211% | 2,464 |
| Tier 1 risk-based capital ratio | 12.8722% | 5,212 |
| Total risk-based capital ratio | 14.1334% | 5,136 |
| Memoranda: | ||
| Average total assets | $703,304,500 | 948 |
| Average earning assets | $647,001,250 | 942 |
| Average equity | $80,936,250 | 894 |
| Average total loans | $581,478,250 | 718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,765 |
| Cost of funding earning assets | 0.4072% | 4,873 |
| Net interest margin | 4.2189% | 1,230 |
| Noninterest income to average assets | 0.9868% | 1,568 |
| Noninterest expense to average assets | 3.5039% | 1,595 |
| Loan and lease loss provision to assets | 0.3615% | 918 |
| Net operating income to assets | 0.6148% | 4,220 |
| Return on assets (ROA) | 0.6148% | 4,385 |
| Pretax return on assets | 0.9911% | 3,548 |
| Return on Equity (ROE) | 5.2446% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.2446% | 2,895 |
| Net charge-offs to loans | 0.8072% | 778 |
| Credit loss provision to net charge-offs | 54.5690% | 3,128 |
| Earnings coverage of net charge-offs (x) | 2.0418% | 3,836 |
| Efficiency ratio | 72.1484% | 3,443 |
| Assets per employee ($millions) | 4.0339% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 1,482 |
| Loan loss allowance to noncurrent loans | 175.0348% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.6731% | 2,601 |
| Noncurrent loans to loans | 1.2405% | 3,475 |
| Net loans and leases to total assets | 81.2919% | 408 |
| Net loans and leases to deposits | 105.7398% | 227 |
| Net loans and leases to core deposits | 120.2701% | 314 |
| Total domestic deposits to total assets | 76.8792% | 6,140 |
| Equity capital to assets | 11.8656% | 1,995 |
| Core capital (leverage) ratio | 12.0891% | 1,571 |
| Tier 1 risk-based capital ratio | 14.1795% | 4,304 |
| Total risk-based capital ratio | 15.4409% | 4,256 |
| Memoranda: | ||
| Average total assets | $700,415,000 | 949 |
| Average earning assets | $642,448,670 | 950 |
| Average equity | $82,103,000 | 874 |
| Average total loans | $574,846,330 | 724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,407 |
| Cost of funding earning assets | 0.4306% | 4,799 |
| Net interest margin | 4.3186% | 937 |
| Noninterest income to average assets | 1.0449% | 1,356 |
| Noninterest expense to average assets | 3.4751% | 1,675 |
| Loan and lease loss provision to assets | 0.5701% | 453 |
| Net operating income to assets | 0.5860% | 4,288 |
| Return on assets (ROA) | 0.5860% | 4,434 |
| Pretax return on assets | 0.9446% | 3,588 |
| Return on Equity (ROE) | 5.0299% | 4,553 |
| Retained earnings to average equity (ytd only) | 5.0299% | 3,211 |
| Net charge-offs to loans | 1.2252% | 471 |
| Credit loss provision to net charge-offs | 57.0451% | 2,494 |
| Earnings coverage of net charge-offs (x) | 1.5157% | 3,325 |
| Efficiency ratio | 69.6447% | 4,030 |
| Assets per employee ($millions) | 4.0065% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 1,488 |
| Loan loss allowance to noncurrent loans | 153.0145% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8396% | 2,558 |
| Noncurrent loans to loans | 1.4699% | 3,354 |
| Net loans and leases to total assets | 81.3128% | 321 |
| Net loans and leases to deposits | 100.6936% | 326 |
| Net loans and leases to core deposits | 117.0541% | 328 |
| Total domestic deposits to total assets | 80.7527% | 5,557 |
| Equity capital to assets | 11.9301% | 2,088 |
| Core capital (leverage) ratio | 11.7376% | 1,717 |
| Tier 1 risk-based capital ratio | 13.8672% | 4,600 |
| Total risk-based capital ratio | 15.1290% | 4,555 |
| Memoranda: | ||
| Average total assets | $701,686,000 | 955 |
| Average earning assets | $640,942,000 | 955 |
| Average equity | $81,751,000 | 891 |
| Average total loans | $572,316,500 | 732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 1,854 |
| Cost of funding earning assets | 0.5468% | 4,845 |
| Net interest margin | 4.3484% | 1,292 |
| Noninterest income to average assets | 1.5122% | 689 |
| Noninterest expense to average assets | 3.4986% | 1,815 |
| Loan and lease loss provision to assets | 1.0035% | 418 |
| Net operating income to assets | 0.5839% | 4,310 |
| Return on assets (ROA) | 0.5839% | 4,570 |
| Pretax return on assets | 0.9035% | 3,906 |
| Return on Equity (ROE) | 5.3303% | 4,516 |
| Retained earnings to average equity (ytd only) | -0.8038% | 5,988 |
| Net charge-offs to loans | 1.0030% | 1,088 |
| Credit loss provision to net charge-offs | 125.6587% | 2,250 |
| Earnings coverage of net charge-offs (x) | 2.3880% | 4,216 |
| Efficiency ratio | 64.7222% | 4,755 |
| Assets per employee ($millions) | 4.0582% | 3,839 |
| Cash dividends to net income (ytd only)* | 115.0792% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3882% | 1,253 |
| Loan loss allowance to noncurrent loans | 184.6300% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 3,116 |
| Noncurrent loans to loans | 1.2935% | 3,676 |
| Net loans and leases to total assets | 78.0888% | 664 |
| Net loans and leases to deposits | 93.5254% | 778 |
| Net loans and leases to core deposits | 106.6207% | 666 |
| Total domestic deposits to total assets | 83.4948% | 4,537 |
| Equity capital to assets | 11.3811% | 2,554 |
| Core capital (leverage) ratio | 11.2276% | 2,069 |
| Tier 1 risk-based capital ratio | 13.4486% | 4,792 |
| Total risk-based capital ratio | 14.7116% | 4,740 |
| Memoranda: | ||
| Average total assets | $746,204,600 | 891 |
| Average earning assets | $668,128,200 | 902 |
| Average equity | $81,740,200 | 860 |
| Average total loans | $594,091,600 | 693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 1,922 |
| Cost of funding earning assets | 0.5841% | 4,797 |
| Net interest margin | 4.3400% | 1,373 |
| Noninterest income to average assets | 1.4609% | 699 |
| Noninterest expense to average assets | 3.4777% | 1,812 |
| Loan and lease loss provision to assets | 1.2831% | 271 |
| Net operating income to assets | 0.3750% | 5,354 |
| Return on assets (ROA) | 0.3750% | 5,556 |
| Pretax return on assets | 0.5738% | 5,249 |
| Return on Equity (ROE) | 3.4549% | 5,511 |
| Retained earnings to average equity (ytd only) | -4.7124% | 6,597 |
| Net charge-offs to loans | 1.0815% | 957 |
| Credit loss provision to net charge-offs | 149.1881% | 1,893 |
| Earnings coverage of net charge-offs (x) | 2.1591% | 4,184 |
| Efficiency ratio | 65.1909% | 4,592 |
| Assets per employee ($millions) | 4.1503% | 3,570 |
| Cash dividends to net income (ytd only)* | 236.3980% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4138% | 1,334 |
| Loan loss allowance to noncurrent loans | 167.2815% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 2,634 |
| Noncurrent loans to loans | 1.4429% | 3,643 |
| Net loans and leases to total assets | 79.4078% | 558 |
| Net loans and leases to deposits | 105.3145% | 250 |
| Net loans and leases to core deposits | 117.6422% | 353 |
| Total domestic deposits to total assets | 75.4006% | 6,467 |
| Equity capital to assets | 10.7155% | 3,594 |
| Core capital (leverage) ratio | 10.6587% | 2,747 |
| Tier 1 risk-based capital ratio | 12.7944% | 5,413 |
| Total risk-based capital ratio | 14.0584% | 5,362 |
| Memoranda: | ||
| Average total assets | $754,193,750 | 889 |
| Average earning assets | $673,166,750 | 903 |
| Average equity | $81,853,000 | 860 |
| Average total loans | $599,766,000 | 685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 2,181 |
| Cost of funding earning assets | 0.6349% | 4,575 |
| Net interest margin | 4.2487% | 1,606 |
| Noninterest income to average assets | 1.6124% | 571 |
| Noninterest expense to average assets | 3.3698% | 2,103 |
| Loan and lease loss provision to assets | 1.4976% | 242 |
| Net operating income to assets | 0.3508% | 5,425 |
| Return on assets (ROA) | 0.3508% | 5,650 |
| Pretax return on assets | 0.5081% | 5,417 |
| Return on Equity (ROE) | 3.2193% | 5,597 |
| Retained earnings to average equity (ytd only) | 3.2193% | 4,469 |
| Net charge-offs to loans | 1.3682% | 754 |
| Credit loss provision to net charge-offs | 138.6829% | 1,991 |
| Earnings coverage of net charge-offs (x) | 1.8573% | 4,046 |
| Efficiency ratio | 62.6880% | 5,135 |
| Assets per employee ($millions) | 4.0022% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,586 |
| Loan loss allowance to noncurrent loans | 112.5965% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 2.3983% | 2,334 |
| Noncurrent loans to loans | 2.0435% | 2,897 |
| Net loans and leases to total assets | 77.7452% | 756 |
| Net loans and leases to deposits | 102.2957% | 330 |
| Net loans and leases to core deposits | 115.2996% | 413 |
| Total domestic deposits to total assets | 76.0004% | 6,460 |
| Equity capital to assets | 11.1192% | 2,993 |
| Core capital (leverage) ratio | 11.0207% | 2,273 |
| Tier 1 risk-based capital ratio | 13.3035% | 4,964 |
| Total risk-based capital ratio | 14.5654% | 4,921 |
| Memoranda: | ||
| Average total assets | $759,341,670 | 881 |
| Average earning assets | $672,535,000 | 906 |
| Average equity | $82,750,330 | 840 |
| Average total loans | $599,309,670 | 688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 2,248 |
| Cost of funding earning assets | 0.6928% | 4,344 |
| Net interest margin | 4.2053% | 1,745 |
| Noninterest income to average assets | 1.6266% | 551 |
| Noninterest expense to average assets | 3.4759% | 1,812 |
| Loan and lease loss provision to assets | 0.9132% | 481 |
| Net operating income to assets | 0.5737% | 4,474 |
| Return on assets (ROA) | 0.5737% | 4,699 |
| Pretax return on assets | 0.9519% | 3,858 |
| Return on Equity (ROE) | 5.3177% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.3177% | 3,370 |
| Net charge-offs to loans | 0.3506% | 2,252 |
| Credit loss provision to net charge-offs | 331.3093% | 909 |
| Earnings coverage of net charge-offs (x) | 6.7666% | 2,158 |
| Efficiency ratio | 65.0803% | 4,723 |
| Assets per employee ($millions) | 4.1094% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2022% | 1,877 |
| Loan loss allowance to noncurrent loans | 79.9520% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 3.0182% | 1,922 |
| Noncurrent loans to loans | 2.7545% | 2,361 |
| Net loans and leases to total assets | 77.8999% | 601 |
| Net loans and leases to deposits | 102.0875% | 305 |
| Net loans and leases to core deposits | 114.1702% | 424 |
| Total domestic deposits to total assets | 76.3070% | 6,509 |
| Equity capital to assets | 10.9284% | 2,998 |
| Core capital (leverage) ratio | 10.7664% | 2,476 |
| Tier 1 risk-based capital ratio | 12.7934% | 5,371 |
| Total risk-based capital ratio | 14.0540% | 5,336 |
| Memoranda: | ||
| Average total assets | $764,805,500 | 874 |
| Average earning assets | $675,531,500 | 900 |
| Average equity | $82,516,500 | 837 |
| Average total loans | $601,185,000 | 687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 2,257 |
| Cost of funding earning assets | 0.9897% | 3,453 |
| Net interest margin | 4.1586% | 2,202 |
| Noninterest income to average assets | 1.1662% | 968 |
| Noninterest expense to average assets | 3.1924% | 2,895 |
| Loan and lease loss provision to assets | 0.8754% | 1,108 |
| Net operating income to assets | 0.5032% | 4,414 |
| Return on assets (ROA) | 0.5032% | 4,621 |
| Pretax return on assets | 0.8091% | 3,947 |
| Return on Equity (ROE) | 4.9583% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.2353% | 4,621 |
| Net charge-offs to loans | 1.1448% | 1,486 |
| Credit loss provision to net charge-offs | 95.5181% | 3,778 |
| Earnings coverage of net charge-offs (x) | 1.8380% | 4,396 |
| Efficiency ratio | 65.4595% | 4,873 |
| Assets per employee ($millions) | 4.2042% | 3,460 |
| Cash dividends to net income (ytd only)* | 54.9176% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 2,184 |
| Loan loss allowance to noncurrent loans | 73.2322% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9350% | 2,051 |
| Noncurrent loans to loans | 2.7724% | 2,357 |
| Net loans and leases to total assets | 75.9959% | 952 |
| Net loans and leases to deposits | 96.6717% | 644 |
| Net loans and leases to core deposits | 109.6947% | 631 |
| Total domestic deposits to total assets | 78.6123% | 6,072 |
| Equity capital to assets | 10.6517% | 3,360 |
| Core capital (leverage) ratio | 10.3543% | 2,905 |
| Tier 1 risk-based capital ratio | 12.5689% | 5,390 |
| Total risk-based capital ratio | 13.8270% | 5,377 |
| Memoranda: | ||
| Average total assets | $796,076,000 | 826 |
| Average earning assets | $710,329,600 | 837 |
| Average equity | $80,793,800 | 826 |
| Average total loans | $637,338,400 | 644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 2,521 |
| Cost of funding earning assets | 1.0566% | 3,277 |
| Net interest margin | 4.0618% | 2,638 |
| Noninterest income to average assets | 1.1754% | 954 |
| Noninterest expense to average assets | 3.1418% | 3,018 |
| Loan and lease loss provision to assets | 0.8954% | 1,002 |
| Net operating income to assets | 0.4817% | 4,624 |
| Return on assets (ROA) | 0.4817% | 4,822 |
| Pretax return on assets | 0.7765% | 4,209 |
| Return on Equity (ROE) | 4.8029% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.8029% | 3,311 |
| Net charge-offs to loans | 1.1159% | 1,421 |
| Credit loss provision to net charge-offs | 99.4833% | 3,438 |
| Earnings coverage of net charge-offs (x) | 1.8575% | 4,273 |
| Efficiency ratio | 65.2681% | 4,855 |
| Assets per employee ($millions) | 4.4573% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 2,322 |
| Loan loss allowance to noncurrent loans | 72.6294% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 3.0100% | 2,134 |
| Noncurrent loans to loans | 2.7619% | 2,522 |
| Net loans and leases to total assets | 76.8821% | 855 |
| Net loans and leases to deposits | 98.9935% | 516 |
| Net loans and leases to core deposits | 114.8745% | 531 |
| Total domestic deposits to total assets | 77.6637% | 6,261 |
| Equity capital to assets | 10.5347% | 3,662 |
| Core capital (leverage) ratio | 10.4626% | 2,910 |
| Tier 1 risk-based capital ratio | 12.4353% | 5,549 |
| Total risk-based capital ratio | 13.6932% | 5,535 |
| Memoranda: | ||
| Average total assets | $802,752,750 | 827 |
| Average earning assets | $719,038,000 | 832 |
| Average equity | $80,504,500 | 836 |
| Average total loans | $647,471,500 | 647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 2,706 |
| Cost of funding earning assets | 1.1164% | 3,116 |
| Net interest margin | 3.9783% | 2,950 |
| Noninterest income to average assets | 1.0860% | 1,097 |
| Noninterest expense to average assets | 3.1181% | 3,182 |
| Loan and lease loss provision to assets | 1.1846% | 663 |
| Net operating income to assets | 0.2237% | 5,650 |
| Return on assets (ROA) | 0.2237% | 5,771 |
| Pretax return on assets | 0.3523% | 5,540 |
| Return on Equity (ROE) | 2.2678% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.2678% | 4,844 |
| Net charge-offs to loans | 1.5535% | 944 |
| Credit loss provision to net charge-offs | 93.7096% | 3,355 |
| Earnings coverage of net charge-offs (x) | 1.2158% | 4,376 |
| Efficiency ratio | 66.9842% | 4,700 |
| Assets per employee ($millions) | 4.5094% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,696 |
| Loan loss allowance to noncurrent loans | 83.6069% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 2.7318% | 2,446 |
| Noncurrent loans to loans | 2.2612% | 3,150 |
| Net loans and leases to total assets | 79.2715% | 614 |
| Net loans and leases to deposits | 99.9655% | 497 |
| Net loans and leases to core deposits | 119.8303% | 422 |
| Total domestic deposits to total assets | 79.2989% | 6,008 |
| Equity capital to assets | 10.2027% | 3,876 |
| Core capital (leverage) ratio | 9.8172% | 3,495 |
| Tier 1 risk-based capital ratio | 11.6530% | 6,045 |
| Total risk-based capital ratio | 12.9102% | 6,037 |
| Memoranda: | ||
| Average total assets | $807,358,000 | 831 |
| Average earning assets | $724,287,330 | 838 |
| Average equity | $79,635,330 | 845 |
| Average total loans | $656,973,000 | 647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 3,007 |
| Cost of funding earning assets | 1.1624% | 3,074 |
| Net interest margin | 3.8584% | 3,347 |
| Noninterest income to average assets | 1.0302% | 1,242 |
| Noninterest expense to average assets | 3.1289% | 3,147 |
| Loan and lease loss provision to assets | 2.0501% | 270 |
| Net operating income to assets | -0.4048% | 6,742 |
| Return on assets (ROA) | -0.4048% | 6,752 |
| Pretax return on assets | -0.6819% | 6,865 |
| Return on Equity (ROE) | -4.1739% | 6,754 |
| Retained earnings to average equity (ytd only) | -4.1739% | 6,436 |
| Net charge-offs to loans | 2.7129% | 403 |
| Credit loss provision to net charge-offs | 92.5482% | 2,892 |
| Earnings coverage of net charge-offs (x) | 0.6177% | 4,166 |
| Efficiency ratio | 69.5761% | 4,360 |
| Assets per employee ($millions) | 4.6125% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,846 |
| Loan loss allowance to noncurrent loans | 73.5155% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.8882% | 2,390 |
| Noncurrent loans to loans | 2.5222% | 2,962 |
| Net loans and leases to total assets | 80.3160% | 486 |
| Net loans and leases to deposits | 100.0245% | 466 |
| Net loans and leases to core deposits | 127.2651% | 303 |
| Total domestic deposits to total assets | 80.2963% | 5,873 |
| Equity capital to assets | 9.8412% | 3,971 |
| Core capital (leverage) ratio | 9.4039% | 3,957 |
| Tier 1 risk-based capital ratio | 11.0969% | 6,436 |
| Total risk-based capital ratio | 12.3534% | 6,405 |
| Memoranda: | ||
| Average total assets | $814,211,000 | 829 |
| Average earning assets | $731,595,000 | 835 |
| Average equity | $78,966,000 | 843 |
| Average total loans | $664,828,000 | 644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 3,907 |
| Cost of funding earning assets | 1.5327% | 2,461 |
| Net interest margin | 3.6077% | 4,787 |
| Noninterest income to average assets | 0.7003% | 2,839 |
| Noninterest expense to average assets | 2.9111% | 4,179 |
| Loan and lease loss provision to assets | 0.9488% | 1,716 |
| Net operating income to assets | 0.0861% | 5,621 |
| Return on assets (ROA) | 0.0861% | 5,757 |
| Pretax return on assets | 0.0936% | 5,714 |
| Return on Equity (ROE) | 0.8966% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.8966% | 5,101 |
| Net charge-offs to loans | 1.3737% | 1,629 |
| Credit loss provision to net charge-offs | 81.0658% | 5,524 |
| Earnings coverage of net charge-offs (x) | 0.8906% | 5,226 |
| Efficiency ratio | 73.6330% | 3,469 |
| Assets per employee ($millions) | 4.9432% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 2,723 |
| Loan loss allowance to noncurrent loans | 50.6430% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.7544% | 1,829 |
| Noncurrent loans to loans | 3.6314% | 2,057 |
| Net loans and leases to total assets | 79.9813% | 663 |
| Net loans and leases to deposits | 99.6720% | 599 |
| Net loans and leases to core deposits | 126.3943% | 386 |
| Total domestic deposits to total assets | 80.2445% | 5,769 |
| Equity capital to assets | 9.5613% | 4,325 |
| Core capital (leverage) ratio | 9.4159% | 3,820 |
| Tier 1 risk-based capital ratio | 10.7903% | 6,500 |
| Total risk-based capital ratio | 12.0465% | 6,457 |
| Memoranda: | ||
| Average total assets | $828,927,200 | 814 |
| Average earning assets | $747,480,400 | 818 |
| Average equity | $79,631,000 | 829 |
| Average total loans | $706,290,800 | 619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 4,064 |
| Cost of funding earning assets | 1.6243% | 2,254 |
| Net interest margin | 3.5288% | 5,185 |
| Noninterest income to average assets | 1.1672% | 1,024 |
| Noninterest expense to average assets | 3.1911% | 2,957 |
| Loan and lease loss provision to assets | 1.0120% | 1,463 |
| Net operating income to assets | 0.1212% | 5,718 |
| Return on assets (ROA) | 0.1212% | 5,877 |
| Pretax return on assets | 0.1511% | 5,831 |
| Return on Equity (ROE) | 1.2599% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.2599% | 5,306 |
| Net charge-offs to loans | 1.6047% | 1,227 |
| Credit loss provision to net charge-offs | 73.2130% | 5,335 |
| Earnings coverage of net charge-offs (x) | 0.8414% | 5,210 |
| Efficiency ratio | 73.2870% | 3,465 |
| Assets per employee ($millions) | 5.0148% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 3,041 |
| Loan loss allowance to noncurrent loans | 43.1494% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 4.0769% | 1,705 |
| Noncurrent loans to loans | 4.0191% | 1,871 |
| Net loans and leases to total assets | 82.0379% | 488 |
| Net loans and leases to deposits | 101.4028% | 561 |
| Net loans and leases to core deposits | 134.8075% | 315 |
| Total domestic deposits to total assets | 80.9030% | 5,412 |
| Equity capital to assets | 9.6553% | 4,610 |
| Core capital (leverage) ratio | 9.3942% | 4,063 |
| Tier 1 risk-based capital ratio | 10.9764% | 6,402 |
| Total risk-based capital ratio | 12.2251% | 6,383 |
| Memoranda: | ||
| Average total assets | $828,543,000 | 815 |
| Average earning assets | $748,298,000 | 822 |
| Average equity | $79,688,000 | 824 |
| Average total loans | $713,698,500 | 612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 4,244 |
| Cost of funding earning assets | 1.6743% | 2,264 |
| Net interest margin | 3.4665% | 5,380 |
| Noninterest income to average assets | 0.6937% | 2,744 |
| Noninterest expense to average assets | 2.8034% | 4,466 |
| Loan and lease loss provision to assets | 0.6785% | 2,129 |
| Net operating income to assets | 0.2401% | 5,406 |
| Return on assets (ROA) | 0.2401% | 5,551 |
| Pretax return on assets | 0.3470% | 5,382 |
| Return on Equity (ROE) | 2.4994% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.4994% | 4,565 |
| Net charge-offs to loans | 2.2309% | 802 |
| Credit loss provision to net charge-offs | 34.9490% | 5,671 |
| Earnings coverage of net charge-offs (x) | 0.5282% | 5,205 |
| Efficiency ratio | 73.2182% | 3,617 |
| Assets per employee ($millions) | 4.9056% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,074 |
| Loan loss allowance to noncurrent loans | 32.6100% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 4.0758% | 1,677 |
| Noncurrent loans to loans | 3.8998% | 1,959 |
| Net loans and leases to total assets | 84.7182% | 301 |
| Net loans and leases to deposits | 105.8880% | 398 |
| Net loans and leases to core deposits | 143.3685% | 251 |
| Total domestic deposits to total assets | 80.0074% | 5,722 |
| Equity capital to assets | 9.6539% | 4,464 |
| Core capital (leverage) ratio | 9.5323% | 3,775 |
| Tier 1 risk-based capital ratio | 10.6987% | 6,530 |
| Total risk-based capital ratio | 11.9289% | 6,539 |
| Memoranda: | ||
| Average total assets | $828,907,330 | 819 |
| Average earning assets | $749,690,670 | 821 |
| Average equity | $79,619,670 | 819 |
| Average total loans | $721,330,330 | 609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 3,863 |
| Cost of funding earning assets | 1.7289% | 2,239 |
| Net interest margin | 3.5042% | 5,136 |
| Noninterest income to average assets | 1.0873% | 1,072 |
| Noninterest expense to average assets | 2.8184% | 4,414 |
| Loan and lease loss provision to assets | 0.6033% | 2,107 |
| Net operating income to assets | 0.5395% | 4,186 |
| Return on assets (ROA) | 0.5395% | 4,325 |
| Pretax return on assets | 0.8397% | 3,708 |
| Return on Equity (ROE) | 5.6314% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.6314% | 2,799 |
| Net charge-offs to loans | 2.4304% | 682 |
| Credit loss provision to net charge-offs | 28.3254% | 4,839 |
| Earnings coverage of net charge-offs (x) | 0.6775% | 4,421 |
| Efficiency ratio | 66.1382% | 5,086 |
| Assets per employee ($millions) | 5.1172% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 3,725 |
| Loan loss allowance to noncurrent loans | 57.2768% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 2,283 |
| Noncurrent loans to loans | 2.6792% | 2,994 |
| Net loans and leases to total assets | 85.5285% | 245 |
| Net loans and leases to deposits | 111.3692% | 265 |
| Net loans and leases to core deposits | 150.4953% | 240 |
| Total domestic deposits to total assets | 76.7973% | 6,595 |
| Equity capital to assets | 9.5907% | 4,387 |
| Core capital (leverage) ratio | 9.5059% | 3,758 |
| Tier 1 risk-based capital ratio | 10.4865% | 6,643 |
| Total risk-based capital ratio | 11.7380% | 6,634 |
| Memoranda: | ||
| Average total assets | $828,841,000 | 833 |
| Average earning assets | $750,748,500 | 838 |
| Average equity | $79,412,000 | 828 |
| Average total loans | $726,298,000 | 622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 5,775 |
| Cost of funding earning assets | 2.0262% | 2,837 |
| Net interest margin | 3.1467% | 6,236 |
| Noninterest income to average assets | 1.5177% | 623 |
| Noninterest expense to average assets | 2.7999% | 4,977 |
| Loan and lease loss provision to assets | 1.5501% | 1,486 |
| Net operating income to assets | 0.0214% | 5,424 |
| Return on assets (ROA) | 0.0214% | 5,465 |
| Pretax return on assets | 0.0343% | 5,364 |
| Return on Equity (ROE) | 0.2177% | 5,465 |
| Retained earnings to average equity (ytd only) | -8.2344% | 6,368 |
| Net charge-offs to loans | 0.8974% | 2,598 |
| Credit loss provision to net charge-offs | 193.4872% | 2,052 |
| Earnings coverage of net charge-offs (x) | 1.9777% | 4,238 |
| Efficiency ratio | 63.8619% | 5,800 |
| Assets per employee ($millions) | 5.1154% | 2,062 |
| Cash dividends to net income (ytd only)* | 3,882.2857% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 2,105 |
| Loan loss allowance to noncurrent loans | 67.1005% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 3.4230% | 1,970 |
| Noncurrent loans to loans | 2.9232% | 2,640 |
| Net loans and leases to total assets | 86.6706% | 238 |
| Net loans and leases to deposits | 111.5218% | 331 |
| Net loans and leases to core deposits | 134.7355% | 1,012 |
| Total domestic deposits to total assets | 77.7163% | 6,294 |
| Equity capital to assets | 9.5714% | 4,321 |
| Core capital (leverage) ratio | 9.3850% | 3,849 |
| Tier 1 risk-based capital ratio | 9.9661% | 6,905 |
| Total risk-based capital ratio | 11.2239% | 6,872 |
| Memoranda: | ||
| Average total assets | $816,458,800 | 836 |
| Average earning assets | $743,794,400 | 837 |
| Average equity | $80,382,600 | 806 |
| Average total loans | $728,914,200 | 632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 6,200 |
| Cost of funding earning assets | 2.0775% | 2,997 |
| Net interest margin | 3.0433% | 6,487 |
| Noninterest income to average assets | 1.5755% | 594 |
| Noninterest expense to average assets | 2.9321% | 4,306 |
| Loan and lease loss provision to assets | 1.4783% | 1,297 |
| Net operating income to assets | 0.0439% | 5,619 |
| Return on assets (ROA) | 0.0439% | 5,653 |
| Pretax return on assets | -0.0563% | 5,792 |
| Return on Equity (ROE) | 0.4424% | 5,653 |
| Retained earnings to average equity (ytd only) | -3.6745% | 6,057 |
| Net charge-offs to loans | 1.0469% | 1,889 |
| Credit loss provision to net charge-offs | 157.7817% | 3,022 |
| Earnings coverage of net charge-offs (x) | 1.5177% | 4,646 |
| Efficiency ratio | 67.3407% | 5,113 |
| Assets per employee ($millions) | 5.1865% | 1,910 |
| Cash dividends to net income (ytd only)* | 930.6084% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 3,068 |
| Loan loss allowance to noncurrent loans | 51.9303% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.8420% | 2,450 |
| Noncurrent loans to loans | 3.0450% | 2,487 |
| Net loans and leases to total assets | 88.8325% | 160 |
| Net loans and leases to deposits | 121.4945% | 180 |
| Net loans and leases to core deposits | 144.9233% | 732 |
| Total domestic deposits to total assets | 73.1164% | 7,073 |
| Equity capital to assets | 10.3650% | 3,659 |
| Core capital (leverage) ratio | 10.4391% | 2,841 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,306 |
| Total risk-based capital ratio | 11.8969% | 6,282 |
| Memoranda: | ||
| Average total assets | $814,680,500 | 852 |
| Average earning assets | $743,818,250 | 846 |
| Average equity | $80,771,500 | 810 |
| Average total loans | $729,123,750 | 652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 6,441 |
| Cost of funding earning assets | 2.1551% | 3,014 |
| Net interest margin | 2.9443% | 6,698 |
| Noninterest income to average assets | 1.7945% | 455 |
| Noninterest expense to average assets | 2.9719% | 4,200 |
| Loan and lease loss provision to assets | 1.0591% | 1,611 |
| Net operating income to assets | 0.3522% | 4,672 |
| Return on assets (ROA) | 0.3522% | 4,784 |
| Pretax return on assets | 0.4483% | 4,796 |
| Return on Equity (ROE) | 3.6061% | 4,661 |
| Retained earnings to average equity (ytd only) | -1.3839% | 5,587 |
| Net charge-offs to loans | 0.4913% | 2,861 |
| Credit loss provision to net charge-offs | 241.5273% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.4376% | 3,437 |
| Efficiency ratio | 66.3484% | 5,489 |
| Assets per employee ($millions) | 5.0659% | 2,008 |
| Cash dividends to net income (ytd only)* | 138.3761% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 3,389 |
| Loan loss allowance to noncurrent loans | 52.0241% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 2,483 |
| Noncurrent loans to loans | 2.8166% | 2,555 |
| Net loans and leases to total assets | 89.3690% | 160 |
| Net loans and leases to deposits | 124.4178% | 173 |
| Net loans and leases to core deposits | 143.6156% | 854 |
| Total domestic deposits to total assets | 71.8297% | 7,261 |
| Equity capital to assets | 10.5494% | 3,343 |
| Core capital (leverage) ratio | 10.5225% | 2,792 |
| Tier 1 risk-based capital ratio | 10.8558% | 6,029 |
| Total risk-based capital ratio | 12.1071% | 5,963 |
| Memoranda: | ||
| Average total assets | $818,270,330 | 858 |
| Average earning assets | $746,125,330 | 856 |
| Average equity | $79,920,330 | 824 |
| Average total loans | $730,295,670 | 672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 6,293 |
| Cost of funding earning assets | 2.2213% | 3,054 |
| Net interest margin | 2.9790% | 6,534 |
| Noninterest income to average assets | 1.7864% | 427 |
| Noninterest expense to average assets | 2.8482% | 4,344 |
| Loan and lease loss provision to assets | 1.2126% | 1,068 |
| Net operating income to assets | 0.3158% | 5,238 |
| Return on assets (ROA) | 0.3158% | 5,411 |
| Pretax return on assets | 0.4336% | 5,298 |
| Return on Equity (ROE) | 3.3646% | 5,227 |
| Retained earnings to average equity (ytd only) | -1.1164% | 5,920 |
| Net charge-offs to loans | 0.0301% | 5,102 |
| Credit loss provision to net charge-offs | 4,545.4545% | 160 |
| Earnings coverage of net charge-offs (x) | 61.7091% | 637 |
| Efficiency ratio | 63.3715% | 5,798 |
| Assets per employee ($millions) | 5.1817% | 1,865 |
| Cash dividends to net income (ytd only)* | 133.1797% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 3,303 |
| Loan loss allowance to noncurrent loans | 76.0645% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7371% | 3,312 |
| Noncurrent loans to loans | 1.8908% | 3,427 |
| Net loans and leases to total assets | 87.1661% | 325 |
| Net loans and leases to deposits | 119.5607% | 299 |
| Net loans and leases to core deposits | 138.1958% | 1,195 |
| Total domestic deposits to total assets | 72.9053% | 7,070 |
| Equity capital to assets | 10.2204% | 3,749 |
| Core capital (leverage) ratio | 10.5166% | 2,903 |
| Tier 1 risk-based capital ratio | 10.7098% | 6,179 |
| Total risk-based capital ratio | 11.9607% | 6,084 |
| Memoranda: | ||
| Average total assets | $824,663,500 | 853 |
| Average earning assets | $749,640,500 | 854 |
| Average equity | $77,393,500 | 851 |
| Average total loans | $730,164,500 | 677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3159% | 3,876 |
| Cost of funding earning assets | 2.9018% | 2,261 |
| Net interest margin | 3.4140% | 5,601 |
| Noninterest income to average assets | 1.3901% | 745 |
| Noninterest expense to average assets | 2.9427% | 4,286 |
| Loan and lease loss provision to assets | 1.0239% | 1,434 |
| Net operating income to assets | 0.4986% | 4,741 |
| Return on assets (ROA) | 0.5200% | 4,502 |
| Pretax return on assets | 0.5718% | 4,776 |
| Return on Equity (ROE) | 5.9324% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.3378% | 2,420 |
| Net charge-offs to loans | 0.8235% | 1,521 |
| Credit loss provision to net charge-offs | 138.8321% | 3,825 |
| Earnings coverage of net charge-offs (x) | 2.1319% | 5,005 |
| Efficiency ratio | 65.1771% | 5,282 |
| Assets per employee ($millions) | 4.7946% | 2,182 |
| Cash dividends to net income (ytd only)* | 26.8795% | 4,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,058 |
| Loan loss allowance to noncurrent loans | 182.5212% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,353 |
| Noncurrent loans to loans | 0.6192% | 5,511 |
| Net loans and leases to total assets | 87.6443% | 402 |
| Net loans and leases to deposits | 118.5180% | 426 |
| Net loans and leases to core deposits | 134.7969% | 1,547 |
| Total domestic deposits to total assets | 73.9502% | 6,664 |
| Equity capital to assets | 8.5296% | 6,035 |
| Core capital (leverage) ratio | 9.0848% | 4,621 |
| Tier 1 risk-based capital ratio | 8.9905% | 7,787 |
| Total risk-based capital ratio | 10.0490% | 7,964 |
| Memoranda: | ||
| Average total assets | $729,089,000 | 915 |
| Average earning assets | $667,335,000 | 913 |
| Average equity | $63,902,800 | 1,044 |
| Average total loans | $652,964,600 | 728 |