Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 1,810 |
| Cost of funding earning assets | 0.2240% | 4,435 |
| Net interest margin | 4.9006% | 364 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.3237% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.9343% | 171 |
| Return on assets (ROA) | 2.9343% | 170 |
| Pretax return on assets | 2.9343% | 216 |
| Return on Equity (ROE) | 22.1000% | 455 |
| Retained earnings to average equity (ytd only) | 9.4446% | 1,145 |
| Net charge-offs to loans | 0.0120% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 711.0385% | 202 |
| Efficiency ratio | 44.1936% | 4,247 |
| Assets per employee ($millions) | 6.8880% | 2,147 |
| Cash dividends to net income (ytd only)* | 57.2565% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0940% | 110 |
| Loan loss allowance to noncurrent loans | 3,792.9730% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 2,606 |
| Noncurrent loans to loans | 0.0816% | 3,140 |
| Net loans and leases to total assets | 36.2600% | 4,143 |
| Net loans and leases to deposits | 43.1383% | 4,120 |
| Net loans and leases to core deposits | 43.6006% | 4,211 |
| Total domestic deposits to total assets | 84.0500% | 2,605 |
| Equity capital to assets | 14.4862% | 603 |
| Core capital (leverage) ratio | 14.3645% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2208% | 186 |
| Memoranda: | ||
| Average total assets | $630,038,000 | 1,417 |
| Average earning assets | $605,377,400 | 1,367 |
| Average equity | $83,667,000 | 1,095 |
| Average total loans | $217,055,200 | 2,183 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 1,802 |
| Cost of funding earning assets | 0.1800% | 4,457 |
| Net interest margin | 4.8329% | 391 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.9544% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.2062% | 157 |
| Return on assets (ROA) | 3.2062% | 155 |
| Pretax return on assets | 3.2062% | 197 |
| Return on Equity (ROE) | 24.6800% | 397 |
| Retained earnings to average equity (ytd only) | 12.9503% | 823 |
| Net charge-offs to loans | 0.0149% | 1,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 637.2500% | 247 |
| Efficiency ratio | 37.8722% | 4,412 |
| Assets per employee ($millions) | 7.0463% | 1,927 |
| Cash dividends to net income (ytd only)* | 47.5219% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2897% | 97 |
| Loan loss allowance to noncurrent loans | 1,546.2555% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,399 |
| Noncurrent loans to loans | 0.2128% | 2,498 |
| Net loans and leases to total assets | 33.2800% | 4,257 |
| Net loans and leases to deposits | 38.9974% | 4,232 |
| Net loans and leases to core deposits | 39.4496% | 4,269 |
| Total domestic deposits to total assets | 85.3400% | 2,401 |
| Equity capital to assets | 14.0412% | 646 |
| Core capital (leverage) ratio | 14.2695% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1258% | 174 |
| Memoranda: | ||
| Average total assets | $636,011,500 | 1,400 |
| Average earning assets | $611,013,000 | 1,357 |
| Average equity | $82,632,000 | 1,100 |
| Average total loans | $214,621,250 | 2,196 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,880 |
| Cost of funding earning assets | 0.1500% | 4,477 |
| Net interest margin | 4.7020% | 457 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 1.8215% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.2052% | 133 |
| Return on assets (ROA) | 3.2052% | 131 |
| Pretax return on assets | 3.2052% | 176 |
| Return on Equity (ROE) | 25.3300% | 365 |
| Retained earnings to average equity (ytd only) | 12.3986% | 908 |
| Net charge-offs to loans | 0.0158% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 604.5882% | 241 |
| Efficiency ratio | 36.2367% | 4,471 |
| Assets per employee ($millions) | 6.9576% | 1,956 |
| Cash dividends to net income (ytd only)* | 51.0508% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2377% | 113 |
| Loan loss allowance to noncurrent loans | 3,819.0217% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,609 |
| Noncurrent loans to loans | 0.0848% | 3,082 |
| Net loans and leases to total assets | 33.9100% | 4,237 |
| Net loans and leases to deposits | 39.5328% | 4,227 |
| Net loans and leases to core deposits | 39.9371% | 4,259 |
| Total domestic deposits to total assets | 85.7900% | 2,301 |
| Equity capital to assets | 13.5312% | 712 |
| Core capital (leverage) ratio | 13.5078% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2896% | 182 |
| Memoranda: | ||
| Average total assets | $641,323,000 | 1,390 |
| Average earning assets | $616,118,333 | 1,347 |
| Average equity | $81,154,000 | 1,111 |
| Average total loans | $215,030,000 | 2,188 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 2,162 |
| Cost of funding earning assets | 0.1295% | 4,493 |
| Net interest margin | 4.4343% | 644 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.5844% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.1540% | 140 |
| Return on assets (ROA) | 3.1540% | 140 |
| Pretax return on assets | 3.1540% | 177 |
| Return on Equity (ROE) | 25.7700% | 374 |
| Retained earnings to average equity (ytd only) | 9.0184% | 1,948 |
| Net charge-offs to loans | 0.0262% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 367.4286% | 306 |
| Efficiency ratio | 33.4369% | 4,577 |
| Assets per employee ($millions) | 7.2450% | 1,789 |
| Cash dividends to net income (ytd only)* | 65.0078% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2694% | 112 |
| Loan loss allowance to noncurrent loans | 3,820.6522% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 2,612 |
| Noncurrent loans to loans | 0.0856% | 3,127 |
| Net loans and leases to total assets | 32.2600% | 4,317 |
| Net loans and leases to deposits | 37.1182% | 4,290 |
| Net loans and leases to core deposits | 37.4488% | 4,332 |
| Total domestic deposits to total assets | 86.9000% | 2,304 |
| Equity capital to assets | 12.5779% | 850 |
| Core capital (leverage) ratio | 12.5806% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4461% | 199 |
| Memoranda: | ||
| Average total assets | $652,370,000 | 1,390 |
| Average earning assets | $627,028,000 | 1,350 |
| Average equity | $79,836,500 | 1,132 |
| Average total loans | $214,026,500 | 2,215 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9362% | 4,199 |
| Cost of funding earning assets | 0.0674% | 4,516 |
| Net interest margin | 2.8688% | 3,755 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.5857% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8696% | 375 |
| Return on assets (ROA) | 1.8696% | 360 |
| Pretax return on assets | 1.8696% | 627 |
| Return on Equity (ROE) | 17.5500% | 775 |
| Retained earnings to average equity (ytd only) | 12.3103% | 615 |
| Net charge-offs to loans | -0.0517% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.8925% | 4,349 |
| Assets per employee ($millions) | 7.7640% | 1,454 |
| Cash dividends to net income (ytd only)* | 29.8746% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3066% | 94 |
| Loan loss allowance to noncurrent loans | 3,849.1803% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,647 |
| Noncurrent loans to loans | 0.0859% | 3,139 |
| Net loans and leases to total assets | 31.2100% | 4,362 |
| Net loans and leases to deposits | 35.6958% | 4,348 |
| Net loans and leases to core deposits | 36.0206% | 4,372 |
| Total domestic deposits to total assets | 87.4400% | 2,253 |
| Equity capital to assets | 11.9057% | 963 |
| Core capital (leverage) ratio | 11.5222% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0717% | 203 |
| Memoranda: | ||
| Average total assets | $686,627,600 | 1,326 |
| Average earning assets | $662,754,800 | 1,289 |
| Average equity | $73,125,600 | 1,208 |
| Average total loans | $205,008,000 | 2,195 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4299% | 4,488 |
| Cost of funding earning assets | 0.0617% | 4,518 |
| Net interest margin | 2.3682% | 4,359 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.6837% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3183% | 1,292 |
| Return on assets (ROA) | 1.3183% | 1,265 |
| Pretax return on assets | 1.3183% | 1,984 |
| Return on Equity (ROE) | 12.7400% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,886 |
| Net charge-offs to loans | -0.0289% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.0858% | 3,617 |
| Assets per employee ($millions) | 8.1562% | 1,244 |
| Cash dividends to net income (ytd only)* | 55.9446% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4736% | 88 |
| Loan loss allowance to noncurrent loans | 3,356.7308% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,759 |
| Noncurrent loans to loans | 0.1035% | 3,140 |
| Net loans and leases to total assets | 27.3400% | 4,475 |
| Net loans and leases to deposits | 31.1422% | 4,483 |
| Net loans and leases to core deposits | 31.4048% | 4,490 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 10.2558% | 1,489 |
| Core capital (leverage) ratio | 10.5112% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9334% | 223 |
| Memoranda: | ||
| Average total assets | $693,300,500 | 1,325 |
| Average earning assets | $670,143,500 | 1,284 |
| Average equity | $71,764,500 | 1,240 |
| Average total loans | $203,003,250 | 2,208 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0107% | 4,618 |
| Cost of funding earning assets | 0.0605% | 4,526 |
| Net interest margin | 1.9502% | 4,579 |
| Noninterest income to average assets | 0.8356% | 975 |
| Noninterest expense to average assets | 1.6637% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0566% | 1,950 |
| Return on assets (ROA) | 1.0566% | 1,916 |
| Pretax return on assets | 1.0566% | 2,551 |
| Return on Equity (ROE) | 10.1753% | 2,275 |
| Retained earnings to average equity (ytd only) | 2.9876% | 3,452 |
| Net charge-offs to loans | 0.0334% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 106.8824% | 783 |
| Efficiency ratio | 61.1586% | 3,158 |
| Assets per employee ($millions) | 7.8476% | 1,381 |
| Cash dividends to net income (ytd only)* | 70.6384% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3691% | 101 |
| Loan loss allowance to noncurrent loans | 3,256.6038% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,824 |
| Noncurrent loans to loans | 0.1035% | 3,230 |
| Net loans and leases to total assets | 29.0035% | 4,492 |
| Net loans and leases to deposits | 33.0962% | 4,466 |
| Net loans and leases to core deposits | 33.3867% | 4,495 |
| Total domestic deposits to total assets | 87.6338% | 2,720 |
| Equity capital to assets | 10.4765% | 1,443 |
| Core capital (leverage) ratio | 10.4911% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7519% | 197 |
| Memoranda: | ||
| Average total assets | $687,871,333 | 1,333 |
| Average earning assets | $664,752,000 | 1,298 |
| Average equity | $71,428,000 | 1,274 |
| Average total loans | $203,670,000 | 2,211 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8827% | 4,647 |
| Cost of funding earning assets | 0.0629% | 4,505 |
| Net interest margin | 1.8198% | 4,610 |
| Noninterest income to average assets | 0.4641% | 2,337 |
| Noninterest expense to average assets | 1.6511% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5730% | 3,484 |
| Return on assets (ROA) | 0.5730% | 3,462 |
| Pretax return on assets | 0.5730% | 3,697 |
| Return on Equity (ROE) | 5.5423% | 3,472 |
| Retained earnings to average equity (ytd only) | -1.6195% | 4,215 |
| Net charge-offs to loans | 0.0650% | 682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 29.9697% | 1,133 |
| Efficiency ratio | 74.2381% | 1,715 |
| Assets per employee ($millions) | 8.0474% | 1,329 |
| Cash dividends to net income (ytd only)* | 129.2214% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4566% | 110 |
| Loan loss allowance to noncurrent loans | 25,574.0741% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,124 |
| Noncurrent loans to loans | 0.0135% | 3,914 |
| Net loans and leases to total assets | 27.8662% | 4,513 |
| Net loans and leases to deposits | 31.6427% | 4,506 |
| Net loans and leases to core deposits | 31.9580% | 4,535 |
| Total domestic deposits to total assets | 88.0652% | 2,491 |
| Equity capital to assets | 10.2537% | 1,720 |
| Core capital (leverage) ratio | 10.3358% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1589% | 187 |
| Memoranda: | ||
| Average total assets | $690,437,500 | 1,334 |
| Average earning assets | $667,758,500 | 1,300 |
| Average equity | $71,378,500 | 1,307 |
| Average total loans | $203,044,000 | 2,203 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1631% | 4,632 |
| Cost of funding earning assets | 0.0951% | 4,418 |
| Net interest margin | 2.0680% | 4,564 |
| Noninterest income to average assets | 0.5590% | 2,325 |
| Noninterest expense to average assets | 1.6362% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9149% | 2,988 |
| Return on assets (ROA) | 0.9149% | 3,049 |
| Pretax return on assets | 0.9149% | 3,473 |
| Return on Equity (ROE) | 8.5403% | 3,067 |
| Retained earnings to average equity (ytd only) | 6.5365% | 2,108 |
| Net charge-offs to loans | -0.0961% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1364% | 2,547 |
| Assets per employee ($millions) | 8.0093% | 1,327 |
| Cash dividends to net income (ytd only)* | 23.4628% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3626% | 108 |
| Loan loss allowance to noncurrent loans | 24,778.5714% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 3,252 |
| Noncurrent loans to loans | 0.0136% | 3,993 |
| Net loans and leases to total assets | 28.9474% | 4,541 |
| Net loans and leases to deposits | 32.8327% | 4,561 |
| Net loans and leases to core deposits | 33.2011% | 4,582 |
| Total domestic deposits to total assets | 88.1665% | 1,949 |
| Equity capital to assets | 10.4231% | 2,241 |
| Core capital (leverage) ratio | 10.4227% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9752% | 203 |
| Memoranda: | ||
| Average total assets | $647,044,600 | 1,367 |
| Average earning assets | $623,312,800 | 1,333 |
| Average equity | $69,318,400 | 1,361 |
| Average total loans | $210,261,600 | 2,175 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2079% | 4,711 |
| Cost of funding earning assets | 0.1026% | 4,481 |
| Net interest margin | 2.1053% | 4,623 |
| Noninterest income to average assets | 0.5156% | 2,558 |
| Noninterest expense to average assets | 1.6724% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8683% | 3,329 |
| Return on assets (ROA) | 0.8683% | 3,402 |
| Pretax return on assets | 0.8683% | 3,762 |
| Return on Equity (ROE) | 8.0464% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.3507% | 3,089 |
| Net charge-offs to loans | -0.1269% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8231% | 2,120 |
| Assets per employee ($millions) | 7.5373% | 1,541 |
| Cash dividends to net income (ytd only)* | 33.5022% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3307% | 119 |
| Loan loss allowance to noncurrent loans | 28,908.3333% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 3,324 |
| Noncurrent loans to loans | 0.0115% | 4,123 |
| Net loans and leases to total assets | 29.6841% | 4,600 |
| Net loans and leases to deposits | 33.6288% | 4,633 |
| Net loans and leases to core deposits | 34.0472% | 4,652 |
| Total domestic deposits to total assets | 88.2699% | 1,673 |
| Equity capital to assets | 10.3378% | 2,578 |
| Core capital (leverage) ratio | 10.4071% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1671% | 229 |
| Memoranda: | ||
| Average total assets | $636,605,750 | 1,399 |
| Average earning assets | $612,342,750 | 1,369 |
| Average equity | $68,699,500 | 1,382 |
| Average total loans | $211,245,000 | 2,192 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1602% | 4,771 |
| Cost of funding earning assets | 0.1093% | 4,513 |
| Net interest margin | 2.0509% | 4,680 |
| Noninterest income to average assets | 0.5235% | 2,514 |
| Noninterest expense to average assets | 1.6618% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8325% | 3,416 |
| Return on assets (ROA) | 0.8325% | 3,485 |
| Pretax return on assets | 0.8325% | 3,797 |
| Return on Equity (ROE) | 7.5985% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.4735% | 3,370 |
| Net charge-offs to loans | -0.1960% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6237% | 2,065 |
| Assets per employee ($millions) | 7.6236% | 1,406 |
| Cash dividends to net income (ytd only)* | 41.1265% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2711% | 120 |
| Loan loss allowance to noncurrent loans | 28,933.3333% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,400 |
| Noncurrent loans to loans | 0.0113% | 4,187 |
| Net loans and leases to total assets | 31.6874% | 4,596 |
| Net loans and leases to deposits | 35.9379% | 4,636 |
| Net loans and leases to core deposits | 36.3701% | 4,660 |
| Total domestic deposits to total assets | 88.1727% | 1,737 |
| Equity capital to assets | 10.6324% | 2,282 |
| Core capital (leverage) ratio | 10.6815% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5815% | 237 |
| Memoranda: | ||
| Average total assets | $622,689,000 | 1,418 |
| Average earning assets | $598,376,000 | 1,382 |
| Average equity | $68,223,667 | 1,382 |
| Average total loans | $212,226,000 | 2,194 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2797% | 4,765 |
| Cost of funding earning assets | 0.1166% | 4,543 |
| Net interest margin | 2.1631% | 4,644 |
| Noninterest income to average assets | 0.5023% | 2,603 |
| Noninterest expense to average assets | 1.7225% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8596% | 3,235 |
| Return on assets (ROA) | 0.8596% | 3,318 |
| Pretax return on assets | 0.8596% | 3,695 |
| Return on Equity (ROE) | 7.7247% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.6330% | 3,019 |
| Net charge-offs to loans | -0.2526% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7090% | 2,123 |
| Assets per employee ($millions) | 7.0891% | 1,736 |
| Cash dividends to net income (ytd only)* | 27.0786% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2508% | 121 |
| Loan loss allowance to noncurrent loans | 2,419.0141% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 3,303 |
| Noncurrent loans to loans | 0.1344% | 3,639 |
| Net loans and leases to total assets | 33.1512% | 4,599 |
| Net loans and leases to deposits | 37.8113% | 4,628 |
| Net loans and leases to core deposits | 38.2953% | 4,662 |
| Total domestic deposits to total assets | 87.6754% | 2,007 |
| Equity capital to assets | 11.0828% | 1,803 |
| Core capital (leverage) ratio | 11.0961% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1310% | 230 |
| Memoranda: | ||
| Average total assets | $610,029,500 | 1,430 |
| Average earning assets | $586,568,500 | 1,390 |
| Average equity | $67,886,000 | 1,381 |
| Average total loans | $212,198,500 | 2,203 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8084% | 4,750 |
| Cost of funding earning assets | 0.1643% | 4,690 |
| Net interest margin | 2.6440% | 4,443 |
| Noninterest income to average assets | 0.6269% | 2,114 |
| Noninterest expense to average assets | 2.0180% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1400% | 1,764 |
| Return on assets (ROA) | 1.1400% | 1,889 |
| Pretax return on assets | 1.1400% | 2,549 |
| Return on Equity (ROE) | 9.3836% | 2,249 |
| Retained earnings to average equity (ytd only) | 1.5013% | 4,031 |
| Net charge-offs to loans | 0.0097% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 294.6667% | 348 |
| Efficiency ratio | 63.9015% | 2,841 |
| Assets per employee ($millions) | 6.6297% | 1,830 |
| Cash dividends to net income (ytd only)* | 84.0013% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1615% | 128 |
| Loan loss allowance to noncurrent loans | 875.9428% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,006 |
| Noncurrent loans to loans | 0.3609% | 2,902 |
| Net loans and leases to total assets | 34.1999% | 4,638 |
| Net loans and leases to deposits | 39.2083% | 4,677 |
| Net loans and leases to core deposits | 39.6997% | 4,705 |
| Total domestic deposits to total assets | 87.2262% | 1,830 |
| Equity capital to assets | 11.1748% | 2,117 |
| Core capital (leverage) ratio | 11.3020% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0791% | 245 |
| Memoranda: | ||
| Average total assets | $542,805,400 | 1,448 |
| Average earning assets | $519,624,200 | 1,411 |
| Average equity | $65,944,800 | 1,360 |
| Average total loans | $216,508,000 | 2,127 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 4,810 |
| Cost of funding earning assets | 0.1742% | 4,744 |
| Net interest margin | 2.6772% | 4,490 |
| Noninterest income to average assets | 0.6175% | 2,109 |
| Noninterest expense to average assets | 2.0706% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1064% | 1,961 |
| Return on assets (ROA) | 1.1064% | 2,083 |
| Pretax return on assets | 1.1064% | 2,724 |
| Return on Equity (ROE) | 8.9034% | 2,435 |
| Retained earnings to average equity (ytd only) | -1.6652% | 4,676 |
| Net charge-offs to loans | 0.0110% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 243.2778% | 423 |
| Efficiency ratio | 65.1742% | 2,567 |
| Assets per employee ($millions) | 6.1691% | 2,118 |
| Cash dividends to net income (ytd only)* | 118.7029% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9694% | 141 |
| Loan loss allowance to noncurrent loans | 913.1436% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,092 |
| Noncurrent loans to loans | 0.3252% | 3,121 |
| Net loans and leases to total assets | 38.7995% | 4,602 |
| Net loans and leases to deposits | 44.7297% | 4,638 |
| Net loans and leases to core deposits | 45.2785% | 4,680 |
| Total domestic deposits to total assets | 86.7422% | 1,755 |
| Equity capital to assets | 11.5630% | 1,954 |
| Core capital (leverage) ratio | 11.4551% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9351% | 260 |
| Memoranda: | ||
| Average total assets | $527,681,000 | 1,462 |
| Average earning assets | $504,495,250 | 1,428 |
| Average equity | $65,576,500 | 1,353 |
| Average total loans | $217,368,750 | 2,120 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9737% | 4,855 |
| Cost of funding earning assets | 0.1803% | 4,809 |
| Net interest margin | 2.7934% | 4,463 |
| Noninterest income to average assets | 0.5401% | 2,395 |
| Noninterest expense to average assets | 2.0556% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1524% | 1,788 |
| Return on assets (ROA) | 1.1524% | 1,922 |
| Pretax return on assets | 1.1524% | 2,538 |
| Return on Equity (ROE) | 9.0421% | 2,343 |
| Retained earnings to average equity (ytd only) | -2.2819% | 4,611 |
| Net charge-offs to loans | 0.0112% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 377 |
| Efficiency ratio | 64.0771% | 2,814 |
| Assets per employee ($millions) | 5.9138% | 2,260 |
| Cash dividends to net income (ytd only)* | 125.2362% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9165% | 146 |
| Loan loss allowance to noncurrent loans | 370.4009% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 2,260 |
| Noncurrent loans to loans | 0.7874% | 1,921 |
| Net loans and leases to total assets | 40.3905% | 4,591 |
| Net loans and leases to deposits | 46.6693% | 4,633 |
| Net loans and leases to core deposits | 47.2385% | 4,681 |
| Total domestic deposits to total assets | 86.5462% | 1,788 |
| Equity capital to assets | 11.8221% | 1,770 |
| Core capital (leverage) ratio | 11.9975% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3483% | 276 |
| Memoranda: | ||
| Average total assets | $514,388,333 | 1,470 |
| Average earning assets | $491,307,000 | 1,433 |
| Average equity | $65,559,667 | 1,340 |
| Average total loans | $214,175,333 | 2,130 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 4,699 |
| Cost of funding earning assets | 0.1869% | 4,912 |
| Net interest margin | 3.2528% | 3,715 |
| Noninterest income to average assets | 0.5786% | 2,140 |
| Noninterest expense to average assets | 2.1433% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5372% | 716 |
| Return on assets (ROA) | 1.5372% | 784 |
| Pretax return on assets | 1.5372% | 1,216 |
| Return on Equity (ROE) | 11.5882% | 1,232 |
| Retained earnings to average equity (ytd only) | -11.0873% | 4,797 |
| Net charge-offs to loans | 0.0175% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 210.7778% | 332 |
| Efficiency ratio | 58.2343% | 3,968 |
| Assets per employee ($millions) | 5.0535% | 2,593 |
| Cash dividends to net income (ytd only)* | 195.6774% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2987% | 110 |
| Loan loss allowance to noncurrent loans | 367.3381% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 2,248 |
| Noncurrent loans to loans | 0.8980% | 1,817 |
| Net loans and leases to total assets | 39.5395% | 4,680 |
| Net loans and leases to deposits | 46.1533% | 4,718 |
| Net loans and leases to core deposits | 46.8576% | 4,755 |
| Total domestic deposits to total assets | 85.6698% | 2,143 |
| Equity capital to assets | 12.9097% | 1,479 |
| Core capital (leverage) ratio | 12.9479% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9457% | 306 |
| Memoranda: | ||
| Average total assets | $493,636,000 | 1,478 |
| Average earning assets | $470,727,500 | 1,443 |
| Average equity | $65,480,500 | 1,338 |
| Average total loans | $205,626,500 | 2,145 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 4,176 |
| Cost of funding earning assets | 0.1631% | 5,026 |
| Net interest margin | 3.8733% | 2,265 |
| Noninterest income to average assets | 1.6523% | 348 |
| Noninterest expense to average assets | 2.4598% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.8773% | 88 |
| Return on assets (ROA) | 2.8773% | 91 |
| Pretax return on assets | 2.8773% | 109 |
| Return on Equity (ROE) | 21.7158% | 143 |
| Retained earnings to average equity (ytd only) | 14.0569% | 121 |
| Net charge-offs to loans | -0.0162% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0895% | 4,909 |
| Assets per employee ($millions) | 5.0726% | 2,486 |
| Cash dividends to net income (ytd only)* | 35.2686% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2692% | 99 |
| Loan loss allowance to noncurrent loans | 438.7662% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,272 |
| Noncurrent loans to loans | 0.7451% | 2,020 |
| Net loans and leases to total assets | 41.0562% | 4,700 |
| Net loans and leases to deposits | 48.1850% | 4,740 |
| Net loans and leases to core deposits | 48.7173% | 4,778 |
| Total domestic deposits to total assets | 85.2053% | 2,420 |
| Equity capital to assets | 13.6299% | 1,236 |
| Core capital (leverage) ratio | 13.3669% | 1,098 |
| Tier 1 risk-based capital ratio | 28.0882% | 552 |
| Total risk-based capital ratio | 29.3588% | 543 |
| Memoranda: | ||
| Average total assets | $472,916,600 | 1,485 |
| Average earning assets | $449,900,200 | 1,456 |
| Average equity | $62,659,400 | 1,341 |
| Average total loans | $209,994,600 | 2,078 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 4,010 |
| Cost of funding earning assets | 0.1580% | 5,111 |
| Net interest margin | 4.0040% | 1,919 |
| Noninterest income to average assets | 2.0093% | 267 |
| Noninterest expense to average assets | 2.4175% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.3991% | 65 |
| Return on assets (ROA) | 3.3991% | 67 |
| Pretax return on assets | 3.3991% | 88 |
| Return on Equity (ROE) | 25.8471% | 75 |
| Retained earnings to average equity (ytd only) | 15.4819% | 124 |
| Net charge-offs to loans | 0.0342% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 221.6056% | 414 |
| Efficiency ratio | 41.5617% | 5,091 |
| Assets per employee ($millions) | 4.8811% | 2,688 |
| Cash dividends to net income (ytd only)* | 40.1020% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2376% | 110 |
| Loan loss allowance to noncurrent loans | 305.0778% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 1,874 |
| Noncurrent loans to loans | 1.0612% | 1,506 |
| Net loans and leases to total assets | 40.8352% | 4,788 |
| Net loans and leases to deposits | 48.0798% | 4,817 |
| Net loans and leases to core deposits | 48.6097% | 4,868 |
| Total domestic deposits to total assets | 84.9322% | 2,445 |
| Equity capital to assets | 13.2628% | 1,476 |
| Core capital (leverage) ratio | 13.1783% | 1,267 |
| Tier 1 risk-based capital ratio | 27.6511% | 597 |
| Total risk-based capital ratio | 28.9213% | 585 |
| Memoranda: | ||
| Average total assets | $469,402,750 | 1,505 |
| Average earning assets | $446,341,500 | 1,472 |
| Average equity | $61,730,750 | 1,355 |
| Average total loans | $210,821,000 | 2,095 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 4,124 |
| Cost of funding earning assets | 0.1509% | 5,160 |
| Net interest margin | 3.9641% | 2,042 |
| Noninterest income to average assets | 2.6992% | 183 |
| Noninterest expense to average assets | 2.4212% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 4.0435% | 49 |
| Return on assets (ROA) | 4.0435% | 53 |
| Pretax return on assets | 4.0435% | 63 |
| Return on Equity (ROE) | 30.8388% | 39 |
| Retained earnings to average equity (ytd only) | 17.5897% | 90 |
| Net charge-offs to loans | -0.0188% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4524% | 5,194 |
| Assets per employee ($millions) | 4.7210% | 2,845 |
| Cash dividends to net income (ytd only)* | 42.9624% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2090% | 108 |
| Loan loss allowance to noncurrent loans | 3,338.1188% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,192 |
| Noncurrent loans to loans | 0.0961% | 4,250 |
| Net loans and leases to total assets | 43.0812% | 4,751 |
| Net loans and leases to deposits | 50.6670% | 4,783 |
| Net loans and leases to core deposits | 51.1766% | 4,836 |
| Total domestic deposits to total assets | 85.0281% | 2,459 |
| Equity capital to assets | 13.3256% | 1,423 |
| Core capital (leverage) ratio | 13.2637% | 1,199 |
| Tier 1 risk-based capital ratio | 26.6386% | 646 |
| Total risk-based capital ratio | 27.9091% | 638 |
| Memoranda: | ||
| Average total assets | $463,167,670 | 1,526 |
| Average earning assets | $439,943,000 | 1,494 |
| Average equity | $60,728,670 | 1,367 |
| Average total loans | $212,431,670 | 2,098 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 3,949 |
| Cost of funding earning assets | 0.1417% | 5,225 |
| Net interest margin | 4.0329% | 1,740 |
| Noninterest income to average assets | 4.5938% | 98 |
| Noninterest expense to average assets | 2.5454% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 5.8696% | 36 |
| Return on assets (ROA) | 5.8696% | 39 |
| Pretax return on assets | 5.8696% | 44 |
| Return on Equity (ROE) | 45.1457% | 22 |
| Retained earnings to average equity (ytd only) | 28.5858% | 30 |
| Net charge-offs to loans | -0.0468% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2487% | 5,315 |
| Assets per employee ($millions) | 4.4984% | 3,197 |
| Cash dividends to net income (ytd only)* | 36.6810% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1938% | 109 |
| Loan loss allowance to noncurrent loans | 1,194.3363% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,671 |
| Noncurrent loans to loans | 0.2674% | 3,604 |
| Net loans and leases to total assets | 44.1444% | 4,745 |
| Net loans and leases to deposits | 52.0787% | 4,753 |
| Net loans and leases to core deposits | 52.7300% | 4,820 |
| Total domestic deposits to total assets | 84.7648% | 2,766 |
| Equity capital to assets | 13.3346% | 1,279 |
| Core capital (leverage) ratio | 13.3314% | 1,140 |
| Tier 1 risk-based capital ratio | 25.7225% | 704 |
| Total risk-based capital ratio | 26.9925% | 689 |
| Memoranda: | ||
| Average total assets | $458,702,000 | 1,550 |
| Average earning assets | $434,629,500 | 1,520 |
| Average equity | $59,638,000 | 1,383 |
| Average total loans | $213,583,000 | 2,107 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 4,265 |
| Cost of funding earning assets | 0.1207% | 5,241 |
| Net interest margin | 3.7844% | 2,723 |
| Noninterest income to average assets | 0.8277% | 1,377 |
| Noninterest expense to average assets | 2.5114% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8912% | 456 |
| Return on assets (ROA) | 1.8912% | 452 |
| Pretax return on assets | 1.8912% | 734 |
| Return on Equity (ROE) | 15.4433% | 733 |
| Retained earnings to average equity (ytd only) | 6.2902% | 2,042 |
| Net charge-offs to loans | -0.1540% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0430% | 4,280 |
| Assets per employee ($millions) | 4.3245% | 3,420 |
| Cash dividends to net income (ytd only)* | 59.2692% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1142% | 115 |
| Loan loss allowance to noncurrent loans | 1,116.7774% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,422 |
| Noncurrent loans to loans | 0.2789% | 3,566 |
| Net loans and leases to total assets | 46.0631% | 4,732 |
| Net loans and leases to deposits | 53.8846% | 4,756 |
| Net loans and leases to core deposits | 54.4797% | 4,833 |
| Total domestic deposits to total assets | 85.4848% | 2,442 |
| Equity capital to assets | 12.6615% | 1,506 |
| Core capital (leverage) ratio | 12.4888% | 1,459 |
| Tier 1 risk-based capital ratio | 23.3083% | 883 |
| Total risk-based capital ratio | 24.5771% | 857 |
| Memoranda: | ||
| Average total assets | $451,509,800 | 1,534 |
| Average earning assets | $426,510,600 | 1,509 |
| Average equity | $55,292,600 | 1,409 |
| Average total loans | $216,819,000 | 2,051 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 4,343 |
| Cost of funding earning assets | 0.1168% | 5,314 |
| Net interest margin | 3.7224% | 2,930 |
| Noninterest income to average assets | 0.8360% | 1,366 |
| Noninterest expense to average assets | 2.4834% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8686% | 524 |
| Return on assets (ROA) | 1.8686% | 524 |
| Pretax return on assets | 1.8686% | 861 |
| Return on Equity (ROE) | 15.3904% | 807 |
| Retained earnings to average equity (ytd only) | 3.0639% | 4,208 |
| Net charge-offs to loans | 0.0264% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 146.9583% | 554 |
| Efficiency ratio | 57.0633% | 4,246 |
| Assets per employee ($millions) | 4.3027% | 3,417 |
| Cash dividends to net income (ytd only)* | 80.0918% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 149 |
| Loan loss allowance to noncurrent loans | 287.5396% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 990 |
| Noncurrent loans to loans | 1.0217% | 1,682 |
| Net loans and leases to total assets | 46.4082% | 4,782 |
| Net loans and leases to deposits | 53.9362% | 4,824 |
| Net loans and leases to core deposits | 54.5998% | 4,891 |
| Total domestic deposits to total assets | 86.0429% | 2,168 |
| Equity capital to assets | 12.2308% | 1,754 |
| Core capital (leverage) ratio | 12.0238% | 1,773 |
| Tier 1 risk-based capital ratio | 22.3404% | 1,004 |
| Total risk-based capital ratio | 23.6071% | 981 |
| Memoranda: | ||
| Average total assets | $450,870,250 | 1,542 |
| Average earning assets | $425,882,750 | 1,520 |
| Average equity | $54,742,750 | 1,426 |
| Average total loans | $217,053,500 | 2,056 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,680 |
| Cost of funding earning assets | 0.1133% | 5,367 |
| Net interest margin | 3.5395% | 3,504 |
| Noninterest income to average assets | 0.9322% | 1,098 |
| Noninterest expense to average assets | 2.3184% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9558% | 416 |
| Return on assets (ROA) | 1.9558% | 414 |
| Pretax return on assets | 1.9558% | 675 |
| Return on Equity (ROE) | 16.1477% | 640 |
| Retained earnings to average equity (ytd only) | 6.8644% | 2,135 |
| Net charge-offs to loans | 0.0469% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 86.3922% | 782 |
| Efficiency ratio | 54.2424% | 4,666 |
| Assets per employee ($millions) | 4.3224% | 3,398 |
| Cash dividends to net income (ytd only)* | 57.4898% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8377% | 174 |
| Loan loss allowance to noncurrent loans | 286.7873% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3928% | 998 |
| Noncurrent loans to loans | 0.9895% | 1,765 |
| Net loans and leases to total assets | 48.2743% | 4,706 |
| Net loans and leases to deposits | 56.2357% | 4,740 |
| Net loans and leases to core deposits | 56.8868% | 4,835 |
| Total domestic deposits to total assets | 85.8429% | 2,346 |
| Equity capital to assets | 12.4293% | 1,577 |
| Core capital (leverage) ratio | 12.2572% | 1,564 |
| Tier 1 risk-based capital ratio | 22.0411% | 1,031 |
| Total risk-based capital ratio | 23.3070% | 1,017 |
| Memoranda: | ||
| Average total assets | $450,565,670 | 1,554 |
| Average earning assets | $425,425,330 | 1,526 |
| Average equity | $54,571,330 | 1,431 |
| Average total loans | $217,401,000 | 2,057 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,707 |
| Cost of funding earning assets | 0.1100% | 5,432 |
| Net interest margin | 3.4895% | 3,570 |
| Noninterest income to average assets | 1.1262% | 736 |
| Noninterest expense to average assets | 2.3348% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0839% | 307 |
| Return on assets (ROA) | 2.0839% | 309 |
| Pretax return on assets | 2.0839% | 484 |
| Return on Equity (ROE) | 17.4332% | 467 |
| Retained earnings to average equity (ytd only) | -1.3576% | 4,949 |
| Net charge-offs to loans | 0.0634% | 1,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 69.1176% | 780 |
| Efficiency ratio | 52.8397% | 4,898 |
| Assets per employee ($millions) | 4.3103% | 3,466 |
| Cash dividends to net income (ytd only)* | 107.7872% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9859% | 158 |
| Loan loss allowance to noncurrent loans | 278.2399% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 940 |
| Noncurrent loans to loans | 1.0731% | 1,707 |
| Net loans and leases to total assets | 45.6223% | 4,813 |
| Net loans and leases to deposits | 52.8733% | 4,846 |
| Net loans and leases to core deposits | 53.5690% | 4,928 |
| Total domestic deposits to total assets | 86.2862% | 2,404 |
| Equity capital to assets | 11.8916% | 1,855 |
| Core capital (leverage) ratio | 11.8110% | 1,771 |
| Tier 1 risk-based capital ratio | 22.2555% | 1,019 |
| Total risk-based capital ratio | 23.5232% | 999 |
| Memoranda: | ||
| Average total assets | $451,082,000 | 1,568 |
| Average earning assets | $425,617,500 | 1,535 |
| Average equity | $53,920,000 | 1,447 |
| Average total loans | $214,428,000 | 2,085 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,862 |
| Cost of funding earning assets | 0.1146% | 5,433 |
| Net interest margin | 3.3354% | 4,053 |
| Noninterest income to average assets | 0.3414% | 4,025 |
| Noninterest expense to average assets | 2.5266% | 3,688 |
| Loan and lease loss provision to assets | -0.4836% | 5,647 |
| Net operating income to assets | 1.4509% | 905 |
| Return on assets (ROA) | 1.4509% | 918 |
| Pretax return on assets | 1.4509% | 1,812 |
| Return on Equity (ROE) | 12.1767% | 1,163 |
| Retained earnings to average equity (ytd only) | 9.5168% | 421 |
| Net charge-offs to loans | 0.0209% | 3,408 |
| Credit loss provision to net charge-offs | -4,611.1111% | 5,236 |
| Earnings coverage of net charge-offs (x) | 92.2444% | 684 |
| Efficiency ratio | 72.3137% | 2,176 |
| Assets per employee ($millions) | 4.2414% | 3,591 |
| Cash dividends to net income (ytd only)* | 21.8439% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9575% | 152 |
| Loan loss allowance to noncurrent loans | 231.4855% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 853 |
| Noncurrent loans to loans | 1.2776% | 1,375 |
| Net loans and leases to total assets | 46.6286% | 4,853 |
| Net loans and leases to deposits | 53.9644% | 4,900 |
| Net loans and leases to core deposits | 54.7120% | 4,975 |
| Total domestic deposits to total assets | 86.4061% | 2,270 |
| Equity capital to assets | 12.0157% | 1,827 |
| Core capital (leverage) ratio | 11.8673% | 1,680 |
| Tier 1 risk-based capital ratio | 21.9029% | 1,030 |
| Total risk-based capital ratio | 23.1702% | 1,008 |
| Memoranda: | ||
| Average total assets | $429,114,200 | 1,615 |
| Average earning assets | $405,584,400 | 1,580 |
| Average equity | $51,130,400 | 1,498 |
| Average total loans | $215,090,000 | 2,037 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 4,936 |
| Cost of funding earning assets | 0.1144% | 5,502 |
| Net interest margin | 3.3082% | 4,145 |
| Noninterest income to average assets | 0.0858% | 5,518 |
| Noninterest expense to average assets | 2.4129% | 3,987 |
| Loan and lease loss provision to assets | -0.6525% | 5,719 |
| Net operating income to assets | 1.4547% | 981 |
| Return on assets (ROA) | 1.4547% | 997 |
| Pretax return on assets | 1.4547% | 1,928 |
| Return on Equity (ROE) | 12.2359% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.6387% | 969 |
| Net charge-offs to loans | 0.0323% | 2,788 |
| Credit loss provision to net charge-offs | -3,990.3846% | 5,154 |
| Earnings coverage of net charge-offs (x) | 49.0588% | 1,131 |
| Efficiency ratio | 75.0489% | 1,733 |
| Assets per employee ($millions) | 4.2499% | 3,564 |
| Cash dividends to net income (ytd only)* | 29.3991% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0180% | 151 |
| Loan loss allowance to noncurrent loans | 218.2627% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 897 |
| Noncurrent loans to loans | 1.3827% | 1,357 |
| Net loans and leases to total assets | 46.4002% | 4,917 |
| Net loans and leases to deposits | 53.5743% | 4,982 |
| Net loans and leases to core deposits | 54.2896% | 5,061 |
| Total domestic deposits to total assets | 86.6092% | 2,042 |
| Equity capital to assets | 11.8639% | 2,061 |
| Core capital (leverage) ratio | 11.8421% | 1,792 |
| Tier 1 risk-based capital ratio | 21.7618% | 1,073 |
| Total risk-based capital ratio | 23.0297% | 1,051 |
| Memoranda: | ||
| Average total assets | $423,996,500 | 1,633 |
| Average earning assets | $401,050,250 | 1,606 |
| Average equity | $50,407,750 | 1,527 |
| Average total loans | $214,856,500 | 2,046 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 5,022 |
| Cost of funding earning assets | 0.1143% | 5,541 |
| Net interest margin | 3.2428% | 4,283 |
| Noninterest income to average assets | 0.7622% | 1,717 |
| Noninterest expense to average assets | 2.4182% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4120% | 1,039 |
| Return on assets (ROA) | 1.4120% | 1,064 |
| Pretax return on assets | 1.4120% | 1,972 |
| Return on Equity (ROE) | 11.8678% | 1,339 |
| Retained earnings to average equity (ytd only) | 6.3984% | 1,902 |
| Net charge-offs to loans | 0.0278% | 2,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 98.3667% | 661 |
| Efficiency ratio | 63.1355% | 3,812 |
| Assets per employee ($millions) | 4.0988% | 3,790 |
| Cash dividends to net income (ytd only)* | 46.0861% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9011% | 70 |
| Loan loss allowance to noncurrent loans | 127.2168% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1022% | 586 |
| Noncurrent loans to loans | 3.0665% | 419 |
| Net loans and leases to total assets | 48.9990% | 4,766 |
| Net loans and leases to deposits | 56.6851% | 4,827 |
| Net loans and leases to core deposits | 57.3377% | 4,936 |
| Total domestic deposits to total assets | 86.4407% | 2,177 |
| Equity capital to assets | 11.9097% | 1,991 |
| Core capital (leverage) ratio | 11.8291% | 1,745 |
| Tier 1 risk-based capital ratio | 20.9485% | 1,194 |
| Total risk-based capital ratio | 22.2274% | 1,159 |
| Memoranda: | ||
| Average total assets | $417,999,000 | 1,652 |
| Average earning assets | $395,460,330 | 1,627 |
| Average equity | $49,731,330 | 1,543 |
| Average total loans | $215,986,670 | 2,039 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2924% | 5,120 |
| Cost of funding earning assets | 0.1145% | 5,595 |
| Net interest margin | 3.1778% | 4,408 |
| Noninterest income to average assets | 0.7597% | 1,709 |
| Noninterest expense to average assets | 2.3844% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3792% | 1,036 |
| Return on assets (ROA) | 1.3792% | 1,072 |
| Pretax return on assets | 1.3792% | 1,952 |
| Return on Equity (ROE) | 11.5986% | 1,373 |
| Retained earnings to average equity (ytd only) | 0.5446% | 4,794 |
| Net charge-offs to loans | 0.1505% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.6173% | 1,596 |
| Efficiency ratio | 63.3539% | 3,934 |
| Assets per employee ($millions) | 4.0609% | 3,908 |
| Cash dividends to net income (ytd only)* | 95.3048% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9228% | 83 |
| Loan loss allowance to noncurrent loans | 125.2675% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.1834% | 576 |
| Noncurrent loans to loans | 3.1316% | 423 |
| Net loans and leases to total assets | 49.8333% | 4,689 |
| Net loans and leases to deposits | 57.4715% | 4,736 |
| Net loans and leases to core deposits | 58.1062% | 4,877 |
| Total domestic deposits to total assets | 86.7096% | 2,353 |
| Equity capital to assets | 11.8890% | 1,916 |
| Core capital (leverage) ratio | 11.7669% | 1,775 |
| Tier 1 risk-based capital ratio | 20.7389% | 1,256 |
| Total risk-based capital ratio | 22.0185% | 1,229 |
| Memoranda: | ||
| Average total assets | $413,860,500 | 1,680 |
| Average earning assets | $391,208,000 | 1,654 |
| Average equity | $49,213,000 | 1,556 |
| Average total loans | $215,305,000 | 2,060 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 5,165 |
| Cost of funding earning assets | 0.1209% | 5,609 |
| Net interest margin | 3.1751% | 4,518 |
| Noninterest income to average assets | 0.8383% | 1,625 |
| Noninterest expense to average assets | 2.5682% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2760% | 1,282 |
| Return on assets (ROA) | 1.2760% | 1,350 |
| Pretax return on assets | 1.2760% | 2,374 |
| Return on Equity (ROE) | 10.8977% | 1,614 |
| Retained earnings to average equity (ytd only) | 7.4151% | 1,073 |
| Net charge-offs to loans | 0.1268% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.0406% | 1,933 |
| Efficiency ratio | 66.8060% | 3,465 |
| Assets per employee ($millions) | 4.0941% | 3,796 |
| Cash dividends to net income (ytd only)* | 31.9574% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9436% | 81 |
| Loan loss allowance to noncurrent loans | 185.5430% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6655% | 938 |
| Noncurrent loans to loans | 2.1255% | 820 |
| Net loans and leases to total assets | 50.1216% | 4,756 |
| Net loans and leases to deposits | 57.7791% | 4,804 |
| Net loans and leases to core deposits | 58.4409% | 4,937 |
| Total domestic deposits to total assets | 86.7470% | 2,264 |
| Equity capital to assets | 11.8934% | 1,883 |
| Core capital (leverage) ratio | 11.5726% | 1,877 |
| Tier 1 risk-based capital ratio | 20.6673% | 1,264 |
| Total risk-based capital ratio | 21.9473% | 1,229 |
| Memoranda: | ||
| Average total assets | $404,373,200 | 1,663 |
| Average earning assets | $382,817,400 | 1,626 |
| Average equity | $47,349,400 | 1,594 |
| Average total loans | $213,799,000 | 2,013 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 5,217 |
| Cost of funding earning assets | 0.1212% | 5,671 |
| Net interest margin | 3.1779% | 4,554 |
| Noninterest income to average assets | 0.7952% | 1,783 |
| Noninterest expense to average assets | 2.5586% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2451% | 1,472 |
| Return on assets (ROA) | 1.2451% | 1,576 |
| Pretax return on assets | 1.2451% | 2,635 |
| Return on Equity (ROE) | 10.6768% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.9881% | 2,190 |
| Net charge-offs to loans | 0.1506% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.5807% | 2,173 |
| Efficiency ratio | 67.2653% | 3,371 |
| Assets per employee ($millions) | 4.1252% | 3,747 |
| Cash dividends to net income (ytd only)* | 43.9148% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9592% | 78 |
| Loan loss allowance to noncurrent loans | 197.2967% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5915% | 1,096 |
| Noncurrent loans to loans | 2.0067% | 975 |
| Net loans and leases to total assets | 49.7143% | 4,837 |
| Net loans and leases to deposits | 57.1281% | 4,925 |
| Net loans and leases to core deposits | 57.8160% | 5,061 |
| Total domestic deposits to total assets | 87.0224% | 1,886 |
| Equity capital to assets | 11.4686% | 2,537 |
| Core capital (leverage) ratio | 11.3771% | 2,128 |
| Tier 1 risk-based capital ratio | 20.2054% | 1,406 |
| Total risk-based capital ratio | 21.4856% | 1,368 |
| Memoranda: | ||
| Average total assets | $402,090,000 | 1,678 |
| Average earning assets | $380,665,750 | 1,641 |
| Average equity | $46,891,750 | 1,621 |
| Average total loans | $213,307,500 | 2,026 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,312 |
| Cost of funding earning assets | 0.1224% | 5,746 |
| Net interest margin | 3.1642% | 4,657 |
| Noninterest income to average assets | 0.8066% | 1,685 |
| Noninterest expense to average assets | 2.5310% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2688% | 1,362 |
| Return on assets (ROA) | 1.2688% | 1,476 |
| Pretax return on assets | 1.2688% | 2,527 |
| Return on Equity (ROE) | 10.8168% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.8552% | 888 |
| Net charge-offs to loans | 0.1722% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.7705% | 2,100 |
| Efficiency ratio | 66.6092% | 3,586 |
| Assets per employee ($millions) | 3.9455% | 4,004 |
| Cash dividends to net income (ytd only)* | 18.1349% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0758% | 70 |
| Loan loss allowance to noncurrent loans | 167.0943% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 908 |
| Noncurrent loans to loans | 2.4392% | 731 |
| Net loans and leases to total assets | 50.7745% | 4,784 |
| Net loans and leases to deposits | 58.6689% | 4,868 |
| Net loans and leases to core deposits | 59.4109% | 5,003 |
| Total domestic deposits to total assets | 86.5442% | 2,139 |
| Equity capital to assets | 11.9812% | 2,134 |
| Core capital (leverage) ratio | 11.6158% | 1,897 |
| Tier 1 risk-based capital ratio | 20.6917% | 1,310 |
| Total risk-based capital ratio | 21.9735% | 1,288 |
| Memoranda: | ||
| Average total assets | $397,237,000 | 1,702 |
| Average earning assets | $375,761,670 | 1,662 |
| Average equity | $46,594,330 | 1,629 |
| Average total loans | $212,519,000 | 2,032 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2567% | 5,405 |
| Cost of funding earning assets | 0.1248% | 5,788 |
| Net interest margin | 3.1319% | 4,774 |
| Noninterest income to average assets | 0.7383% | 1,865 |
| Noninterest expense to average assets | 2.5385% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1618% | 1,668 |
| Return on assets (ROA) | 1.1618% | 1,778 |
| Pretax return on assets | 1.1618% | 2,843 |
| Return on Equity (ROE) | 10.0131% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.0409% | 2,354 |
| Net charge-offs to loans | 0.2832% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.6291% | 2,137 |
| Efficiency ratio | 68.6018% | 3,363 |
| Assets per employee ($millions) | 3.9787% | 3,987 |
| Cash dividends to net income (ytd only)* | 39.6701% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0801% | 85 |
| Loan loss allowance to noncurrent loans | 170.9390% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 948 |
| Noncurrent loans to loans | 2.3869% | 816 |
| Net loans and leases to total assets | 50.4828% | 4,762 |
| Net loans and leases to deposits | 57.9483% | 4,856 |
| Net loans and leases to core deposits | 58.7719% | 5,008 |
| Total domestic deposits to total assets | 87.1170% | 2,145 |
| Equity capital to assets | 11.5395% | 2,407 |
| Core capital (leverage) ratio | 11.4499% | 2,011 |
| Tier 1 risk-based capital ratio | 19.9961% | 1,499 |
| Total risk-based capital ratio | 21.2778% | 1,465 |
| Memoranda: | ||
| Average total assets | $396,610,000 | 1,704 |
| Average earning assets | $375,104,500 | 1,659 |
| Average equity | $46,019,500 | 1,640 |
| Average total loans | $213,314,000 | 2,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 5,169 |
| Cost of funding earning assets | 0.1378% | 5,770 |
| Net interest margin | 3.2570% | 4,447 |
| Noninterest income to average assets | 0.9760% | 1,244 |
| Noninterest expense to average assets | 2.9355% | 2,746 |
| Loan and lease loss provision to assets | -0.0720% | 5,791 |
| Net operating income to assets | 1.1788% | 1,627 |
| Return on assets (ROA) | 1.1788% | 1,704 |
| Pretax return on assets | 1.1788% | 2,735 |
| Return on Equity (ROE) | 10.0220% | 2,001 |
| Retained earnings to average equity (ytd only) | 3.8283% | 3,315 |
| Net charge-offs to loans | -0.1334% | 5,858 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6197% | 2,807 |
| Assets per employee ($millions) | 3.9137% | 4,096 |
| Cash dividends to net income (ytd only)* | 61.8008% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0811% | 83 |
| Loan loss allowance to noncurrent loans | 164.8207% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.0178% | 868 |
| Noncurrent loans to loans | 2.4761% | 750 |
| Net loans and leases to total assets | 52.7260% | 4,631 |
| Net loans and leases to deposits | 60.7328% | 4,719 |
| Net loans and leases to core deposits | 61.6190% | 4,894 |
| Total domestic deposits to total assets | 86.8164% | 2,229 |
| Equity capital to assets | 11.6686% | 2,217 |
| Core capital (leverage) ratio | 11.4569% | 1,994 |
| Tier 1 risk-based capital ratio | 19.4460% | 1,600 |
| Total risk-based capital ratio | 20.7278% | 1,557 |
| Memoranda: | ||
| Average total assets | $380,650,600 | 1,726 |
| Average earning assets | $358,363,600 | 1,688 |
| Average equity | $44,771,400 | 1,650 |
| Average total loans | $205,399,200 | 2,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 5,191 |
| Cost of funding earning assets | 0.1413% | 5,837 |
| Net interest margin | 3.2650% | 4,471 |
| Noninterest income to average assets | 0.9722% | 1,250 |
| Noninterest expense to average assets | 2.8323% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2128% | 1,608 |
| Return on assets (ROA) | 1.2128% | 1,675 |
| Pretax return on assets | 1.2128% | 2,768 |
| Return on Equity (ROE) | 10.2900% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.5830% | 4,581 |
| Net charge-offs to loans | -0.2069% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0183% | 3,209 |
| Assets per employee ($millions) | 3.7431% | 4,371 |
| Cash dividends to net income (ytd only)* | 74.8982% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3892% | 70 |
| Loan loss allowance to noncurrent loans | 306.4353% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 1,588 |
| Noncurrent loans to loans | 1.4323% | 1,760 |
| Net loans and leases to total assets | 51.3878% | 4,811 |
| Net loans and leases to deposits | 59.2498% | 4,906 |
| Net loans and leases to core deposits | 60.1205% | 5,058 |
| Total domestic deposits to total assets | 86.7308% | 2,169 |
| Equity capital to assets | 11.6294% | 2,395 |
| Core capital (leverage) ratio | 11.4266% | 2,102 |
| Tier 1 risk-based capital ratio | 19.7416% | 1,614 |
| Total risk-based capital ratio | 21.0271% | 1,568 |
| Memoranda: | ||
| Average total assets | $377,969,750 | 1,748 |
| Average earning assets | $355,721,500 | 1,709 |
| Average equity | $44,547,250 | 1,666 |
| Average total loans | $202,965,000 | 2,063 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 5,078 |
| Cost of funding earning assets | 0.1456% | 5,882 |
| Net interest margin | 3.3167% | 4,230 |
| Noninterest income to average assets | 1.0175% | 1,145 |
| Noninterest expense to average assets | 2.7178% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4191% | 1,052 |
| Return on assets (ROA) | 1.4191% | 1,088 |
| Pretax return on assets | 1.4191% | 1,898 |
| Return on Equity (ROE) | 11.9862% | 1,378 |
| Retained earnings to average equity (ytd only) | 6.7040% | 1,844 |
| Net charge-offs to loans | -0.5249% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6966% | 4,070 |
| Assets per employee ($millions) | 3.7363% | 4,350 |
| Cash dividends to net income (ytd only)* | 44.0691% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6493% | 71 |
| Loan loss allowance to noncurrent loans | 270.6892% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 1,508 |
| Noncurrent loans to loans | 1.7176% | 1,500 |
| Net loans and leases to total assets | 51.0978% | 4,839 |
| Net loans and leases to deposits | 59.2075% | 4,916 |
| Net loans and leases to core deposits | 60.1620% | 5,066 |
| Total domestic deposits to total assets | 86.3028% | 2,528 |
| Equity capital to assets | 12.1684% | 1,903 |
| Core capital (leverage) ratio | 11.6783% | 1,854 |
| Tier 1 risk-based capital ratio | 20.8523% | 1,392 |
| Total risk-based capital ratio | 22.1410% | 1,354 |
| Memoranda: | ||
| Average total assets | $375,446,670 | 1,769 |
| Average earning assets | $353,122,330 | 1,733 |
| Average equity | $44,451,000 | 1,680 |
| Average total loans | $201,548,330 | 2,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 5,533 |
| Cost of funding earning assets | 0.1434% | 5,978 |
| Net interest margin | 3.1163% | 4,900 |
| Noninterest income to average assets | 0.8428% | 1,568 |
| Noninterest expense to average assets | 2.5731% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2020% | 1,541 |
| Return on assets (ROA) | 1.2020% | 1,636 |
| Pretax return on assets | 1.2020% | 2,657 |
| Return on Equity (ROE) | 10.2948% | 1,875 |
| Retained earnings to average equity (ytd only) | -0.3914% | 5,451 |
| Net charge-offs to loans | 0.2473% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0480% | 2,037 |
| Efficiency ratio | 68.1588% | 3,798 |
| Assets per employee ($millions) | 3.7438% | 4,433 |
| Cash dividends to net income (ytd only)* | 103.8019% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3178% | 99 |
| Loan loss allowance to noncurrent loans | 190.5129% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.8653% | 1,302 |
| Noncurrent loans to loans | 2.2664% | 1,100 |
| Net loans and leases to total assets | 50.7232% | 4,777 |
| Net loans and leases to deposits | 58.2574% | 4,895 |
| Net loans and leases to core deposits | 59.2661% | 5,054 |
| Total domestic deposits to total assets | 87.0673% | 2,339 |
| Equity capital to assets | 11.6175% | 2,361 |
| Core capital (leverage) ratio | 11.4307% | 2,054 |
| Tier 1 risk-based capital ratio | 19.8611% | 1,662 |
| Total risk-based capital ratio | 21.1454% | 1,611 |
| Memoranda: | ||
| Average total assets | $376,357,500 | 1,774 |
| Average earning assets | $354,143,000 | 1,734 |
| Average equity | $43,944,500 | 1,696 |
| Average total loans | $202,211,000 | 2,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 5,699 |
| Cost of funding earning assets | 0.1713% | 5,974 |
| Net interest margin | 3.1333% | 5,119 |
| Noninterest income to average assets | 0.6771% | 2,421 |
| Noninterest expense to average assets | 2.5630% | 4,348 |
| Loan and lease loss provision to assets | 0.1045% | 2,410 |
| Net operating income to assets | 0.9390% | 2,680 |
| Return on assets (ROA) | 0.9390% | 2,771 |
| Pretax return on assets | 0.9390% | 3,746 |
| Return on Equity (ROE) | 8.1303% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,552 |
| Net charge-offs to loans | 0.2013% | 2,058 |
| Credit loss provision to net charge-offs | 97.9899% | 2,473 |
| Earnings coverage of net charge-offs (x) | 9.7889% | 2,699 |
| Efficiency ratio | 71.0657% | 3,361 |
| Assets per employee ($millions) | 3.7460% | 4,453 |
| Cash dividends to net income (ytd only)* | 53.9076% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3045% | 105 |
| Loan loss allowance to noncurrent loans | 197.3034% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 1,356 |
| Noncurrent loans to loans | 2.1817% | 1,225 |
| Net loans and leases to total assets | 52.1076% | 4,772 |
| Net loans and leases to deposits | 60.2237% | 4,887 |
| Net loans and leases to core deposits | 61.1258% | 5,061 |
| Total domestic deposits to total assets | 86.5233% | 2,561 |
| Equity capital to assets | 11.7356% | 2,220 |
| Core capital (leverage) ratio | 11.3089% | 2,121 |
| Tier 1 risk-based capital ratio | 20.0115% | 1,602 |
| Total risk-based capital ratio | 21.2972% | 1,560 |
| Memoranda: | ||
| Average total assets | $373,357,400 | 1,744 |
| Average earning assets | $349,061,800 | 1,710 |
| Average equity | $43,122,400 | 1,671 |
| Average total loans | $197,708,600 | 2,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 5,806 |
| Cost of funding earning assets | 0.1768% | 6,017 |
| Net interest margin | 3.0948% | 5,273 |
| Noninterest income to average assets | 0.9257% | 1,434 |
| Noninterest expense to average assets | 2.5097% | 4,497 |
| Loan and lease loss provision to assets | 0.1448% | 1,729 |
| Net operating income to assets | 1.1609% | 1,821 |
| Return on assets (ROA) | 1.1609% | 1,886 |
| Pretax return on assets | 1.1609% | 2,944 |
| Return on Equity (ROE) | 10.0915% | 2,174 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,649 |
| Net charge-offs to loans | 0.2114% | 1,775 |
| Credit loss provision to net charge-offs | 130.2251% | 1,775 |
| Earnings coverage of net charge-offs (x) | 11.7459% | 2,380 |
| Efficiency ratio | 65.7799% | 4,248 |
| Assets per employee ($millions) | 3.8334% | 4,222 |
| Cash dividends to net income (ytd only)* | 58.1897% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4540% | 108 |
| Loan loss allowance to noncurrent loans | 204.5130% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0832% | 1,351 |
| Noncurrent loans to loans | 2.1778% | 1,405 |
| Net loans and leases to total assets | 50.2061% | 4,985 |
| Net loans and leases to deposits | 57.5091% | 5,140 |
| Net loans and leases to core deposits | 58.3336% | 5,312 |
| Total domestic deposits to total assets | 87.3011% | 2,154 |
| Equity capital to assets | 11.5147% | 2,473 |
| Core capital (leverage) ratio | 11.4524% | 2,100 |
| Tier 1 risk-based capital ratio | 20.2082% | 1,615 |
| Total risk-based capital ratio | 21.4954% | 1,571 |
| Memoranda: | ||
| Average total assets | $373,047,750 | 1,763 |
| Average earning assets | $348,321,750 | 1,727 |
| Average equity | $42,912,750 | 1,685 |
| Average total loans | $196,142,500 | 2,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 5,836 |
| Cost of funding earning assets | 0.1829% | 6,053 |
| Net interest margin | 3.0916% | 5,275 |
| Noninterest income to average assets | 0.8563% | 1,632 |
| Noninterest expense to average assets | 2.4902% | 4,604 |
| Loan and lease loss provision to assets | 0.1456% | 1,696 |
| Net operating income to assets | 1.1006% | 1,938 |
| Return on assets (ROA) | 1.1006% | 2,002 |
| Pretax return on assets | 1.1006% | 3,099 |
| Return on Equity (ROE) | 9.5708% | 2,342 |
| Retained earnings to average equity (ytd only) | 4.3798% | 3,392 |
| Net charge-offs to loans | 0.2574% | 1,522 |
| Credit loss provision to net charge-offs | 107.5697% | 1,860 |
| Earnings coverage of net charge-offs (x) | 9.2072% | 2,388 |
| Efficiency ratio | 66.6474% | 4,254 |
| Assets per employee ($millions) | 3.8135% | 4,228 |
| Cash dividends to net income (ytd only)* | 54.2381% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5117% | 115 |
| Loan loss allowance to noncurrent loans | 212.9352% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.2768% | 1,323 |
| Noncurrent loans to loans | 2.1188% | 1,564 |
| Net loans and leases to total assets | 50.3896% | 4,917 |
| Net loans and leases to deposits | 57.8210% | 5,058 |
| Net loans and leases to core deposits | 58.6767% | 5,224 |
| Total domestic deposits to total assets | 87.1475% | 2,374 |
| Equity capital to assets | 11.7025% | 2,238 |
| Core capital (leverage) ratio | 11.3294% | 2,135 |
| Tier 1 risk-based capital ratio | 20.4290% | 1,583 |
| Total risk-based capital ratio | 21.7166% | 1,544 |
| Memoranda: | ||
| Average total assets | $370,895,000 | 1,769 |
| Average earning assets | $345,520,670 | 1,736 |
| Average equity | $42,650,670 | 1,675 |
| Average total loans | $195,051,000 | 2,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 5,829 |
| Cost of funding earning assets | 0.1860% | 6,109 |
| Net interest margin | 3.1203% | 5,175 |
| Noninterest income to average assets | 0.7938% | 1,781 |
| Noninterest expense to average assets | 2.4169% | 4,879 |
| Loan and lease loss provision to assets | 0.1454% | 1,680 |
| Net operating income to assets | 1.1406% | 1,665 |
| Return on assets (ROA) | 1.1406% | 1,731 |
| Pretax return on assets | 1.1406% | 2,731 |
| Return on Equity (ROE) | 10.0067% | 2,032 |
| Retained earnings to average equity (ytd only) | -0.4536% | 5,634 |
| Net charge-offs to loans | 0.1149% | 2,030 |
| Credit loss provision to net charge-offs | 241.0714% | 925 |
| Earnings coverage of net charge-offs (x) | 21.3214% | 1,296 |
| Efficiency ratio | 65.2705% | 4,648 |
| Assets per employee ($millions) | 3.8422% | 4,249 |
| Cash dividends to net income (ytd only)* | 104.5326% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5796% | 122 |
| Loan loss allowance to noncurrent loans | 207.8528% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 1,629 |
| Noncurrent loans to loans | 2.2033% | 1,651 |
| Net loans and leases to total assets | 49.5723% | 4,949 |
| Net loans and leases to deposits | 56.6332% | 5,061 |
| Net loans and leases to core deposits | 57.4145% | 5,244 |
| Total domestic deposits to total assets | 87.5322% | 2,489 |
| Equity capital to assets | 11.3508% | 2,376 |
| Core capital (leverage) ratio | 11.2237% | 2,204 |
| Tier 1 risk-based capital ratio | 20.2028% | 1,673 |
| Total risk-based capital ratio | 21.4914% | 1,626 |
| Memoranda: | ||
| Average total assets | $371,386,500 | 1,774 |
| Average earning assets | $346,250,000 | 1,736 |
| Average equity | $42,331,500 | 1,689 |
| Average total loans | $194,974,500 | 2,096 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 5,575 |
| Cost of funding earning assets | 0.2435% | 6,012 |
| Net interest margin | 3.2887% | 4,707 |
| Noninterest income to average assets | 0.9501% | 1,526 |
| Noninterest expense to average assets | 2.8540% | 3,517 |
| Loan and lease loss provision to assets | 0.4098% | 729 |
| Net operating income to assets | 0.7485% | 3,557 |
| Return on assets (ROA) | 0.7485% | 3,653 |
| Pretax return on assets | 0.7485% | 4,348 |
| Return on Equity (ROE) | 6.5516% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.9761% | 2,613 |
| Net charge-offs to loans | 0.7810% | 806 |
| Credit loss provision to net charge-offs | 100.9550% | 2,389 |
| Earnings coverage of net charge-offs (x) | 2.8533% | 4,050 |
| Efficiency ratio | 71.1318% | 3,643 |
| Assets per employee ($millions) | 3.8152% | 4,234 |
| Cash dividends to net income (ytd only)* | 24.0474% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4762% | 140 |
| Loan loss allowance to noncurrent loans | 201.3288% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 1,793 |
| Noncurrent loans to loans | 2.2233% | 1,748 |
| Net loans and leases to total assets | 50.6759% | 5,009 |
| Net loans and leases to deposits | 57.9469% | 5,129 |
| Net loans and leases to core deposits | 58.7526% | 5,326 |
| Total domestic deposits to total assets | 87.4523% | 2,494 |
| Equity capital to assets | 11.4460% | 2,211 |
| Core capital (leverage) ratio | 11.1196% | 2,271 |
| Tier 1 risk-based capital ratio | 20.0959% | 1,633 |
| Total risk-based capital ratio | 21.3835% | 1,591 |
| Memoranda: | ||
| Average total assets | $361,136,000 | 1,797 |
| Average earning assets | $336,276,200 | 1,766 |
| Average equity | $41,257,400 | 1,694 |
| Average total loans | $187,711,000 | 2,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,577 |
| Cost of funding earning assets | 0.2543% | 6,054 |
| Net interest margin | 3.2964% | 4,651 |
| Noninterest income to average assets | 0.8830% | 1,811 |
| Noninterest expense to average assets | 2.7115% | 3,979 |
| Loan and lease loss provision to assets | 0.4495% | 634 |
| Net operating income to assets | 0.7891% | 3,406 |
| Return on assets (ROA) | 0.7891% | 3,542 |
| Pretax return on assets | 0.7891% | 4,339 |
| Return on Equity (ROE) | 6.9102% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.7955% | 3,237 |
| Net charge-offs to loans | 0.4735% | 1,357 |
| Credit loss provision to net charge-offs | 183.6115% | 1,317 |
| Earnings coverage of net charge-offs (x) | 5.0592% | 3,292 |
| Efficiency ratio | 68.6448% | 3,969 |
| Assets per employee ($millions) | 3.7154% | 4,425 |
| Cash dividends to net income (ytd only)* | 30.6028% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8287% | 130 |
| Loan loss allowance to noncurrent loans | 171.2895% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 2.3897% | 1,633 |
| Noncurrent loans to loans | 2.8190% | 1,475 |
| Net loans and leases to total assets | 49.9674% | 5,137 |
| Net loans and leases to deposits | 57.0516% | 5,274 |
| Net loans and leases to core deposits | 57.9018% | 5,459 |
| Total domestic deposits to total assets | 87.5827% | 2,369 |
| Equity capital to assets | 11.3532% | 2,428 |
| Core capital (leverage) ratio | 11.2231% | 2,282 |
| Tier 1 risk-based capital ratio | 20.1808% | 1,692 |
| Total risk-based capital ratio | 21.4730% | 1,656 |
| Memoranda: | ||
| Average total assets | $358,900,750 | 1,816 |
| Average earning assets | $333,930,500 | 1,789 |
| Average equity | $40,982,000 | 1,716 |
| Average total loans | $185,556,750 | 2,148 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 5,617 |
| Cost of funding earning assets | 0.2667% | 6,061 |
| Net interest margin | 3.2688% | 4,693 |
| Noninterest income to average assets | 0.8805% | 1,885 |
| Noninterest expense to average assets | 2.6910% | 4,062 |
| Loan and lease loss provision to assets | 0.3034% | 1,186 |
| Net operating income to assets | 0.9238% | 2,685 |
| Return on assets (ROA) | 0.9238% | 2,823 |
| Pretax return on assets | 0.9238% | 3,815 |
| Return on Equity (ROE) | 8.0741% | 3,055 |
| Retained earnings to average equity (ytd only) | 4.8818% | 3,130 |
| Net charge-offs to loans | 0.3180% | 1,915 |
| Credit loss provision to net charge-offs | 185.5670% | 1,283 |
| Earnings coverage of net charge-offs (x) | 7.5052% | 2,539 |
| Efficiency ratio | 68.6792% | 4,064 |
| Assets per employee ($millions) | 3.6130% | 4,589 |
| Cash dividends to net income (ytd only)* | 39.5377% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8087% | 135 |
| Loan loss allowance to noncurrent loans | 156.0533% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 2.6031% | 1,611 |
| Noncurrent loans to loans | 3.0814% | 1,437 |
| Net loans and leases to total assets | 49.9363% | 5,117 |
| Net loans and leases to deposits | 57.1767% | 5,229 |
| Net loans and leases to core deposits | 58.0941% | 5,415 |
| Total domestic deposits to total assets | 87.3367% | 2,632 |
| Equity capital to assets | 11.5503% | 2,253 |
| Core capital (leverage) ratio | 11.2368% | 2,144 |
| Tier 1 risk-based capital ratio | 20.6298% | 1,584 |
| Total risk-based capital ratio | 21.9221% | 1,542 |
| Memoranda: | ||
| Average total assets | $355,925,670 | 1,832 |
| Average earning assets | $330,761,000 | 1,808 |
| Average equity | $40,722,670 | 1,731 |
| Average total loans | $183,036,330 | 2,171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 5,506 |
| Cost of funding earning assets | 0.2732% | 6,145 |
| Net interest margin | 3.3054% | 4,498 |
| Noninterest income to average assets | 0.8630% | 1,890 |
| Noninterest expense to average assets | 2.7185% | 3,986 |
| Loan and lease loss provision to assets | 0.3042% | 1,128 |
| Net operating income to assets | 0.9069% | 2,611 |
| Return on assets (ROA) | 0.9069% | 2,768 |
| Pretax return on assets | 0.9069% | 3,735 |
| Return on Equity (ROE) | 7.9650% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.5336% | 5,221 |
| Net charge-offs to loans | 0.1682% | 2,397 |
| Credit loss provision to net charge-offs | 355.2632% | 700 |
| Earnings coverage of net charge-offs (x) | 14.1447% | 1,475 |
| Efficiency ratio | 69.1800% | 4,118 |
| Assets per employee ($millions) | 3.7407% | 4,464 |
| Cash dividends to net income (ytd only)* | 80.7453% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9725% | 139 |
| Loan loss allowance to noncurrent loans | 248.6277% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1220% | 2,215 |
| Noncurrent loans to loans | 2.0000% | 2,617 |
| Net loans and leases to total assets | 47.7253% | 5,255 |
| Net loans and leases to deposits | 54.4718% | 5,398 |
| Net loans and leases to core deposits | 55.1479% | 5,591 |
| Total domestic deposits to total assets | 87.6147% | 2,559 |
| Equity capital to assets | 11.2778% | 2,652 |
| Core capital (leverage) ratio | 11.2224% | 2,078 |
| Tier 1 risk-based capital ratio | 20.9970% | 1,537 |
| Total risk-based capital ratio | 22.2911% | 1,500 |
| Memoranda: | ||
| Average total assets | $355,044,500 | 1,866 |
| Average earning assets | $329,398,500 | 1,838 |
| Average equity | $40,427,000 | 1,759 |
| Average total loans | $180,735,000 | 2,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 5,413 |
| Cost of funding earning assets | 0.3380% | 6,278 |
| Net interest margin | 3.6238% | 3,989 |
| Noninterest income to average assets | 1.0001% | 1,531 |
| Noninterest expense to average assets | 3.0607% | 3,047 |
| Loan and lease loss provision to assets | 0.8271% | 577 |
| Net operating income to assets | 0.4731% | 4,791 |
| Return on assets (ROA) | 0.4731% | 5,045 |
| Pretax return on assets | 0.4731% | 5,363 |
| Return on Equity (ROE) | 4.0843% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.3526% | 3,862 |
| Net charge-offs to loans | 1.1782% | 863 |
| Credit loss provision to net charge-offs | 127.6310% | 2,207 |
| Earnings coverage of net charge-offs (x) | 2.0063% | 4,411 |
| Efficiency ratio | 70.1850% | 3,774 |
| Assets per employee ($millions) | 3.5453% | 4,912 |
| Cash dividends to net income (ytd only)* | 17.9141% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8443% | 145 |
| Loan loss allowance to noncurrent loans | 156.9589% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 2.7277% | 1,773 |
| Noncurrent loans to loans | 3.0864% | 1,677 |
| Net loans and leases to total assets | 49.1031% | 5,293 |
| Net loans and leases to deposits | 56.3877% | 5,405 |
| Net loans and leases to core deposits | 57.1893% | 5,619 |
| Total domestic deposits to total assets | 87.0813% | 2,797 |
| Equity capital to assets | 11.4976% | 2,449 |
| Core capital (leverage) ratio | 11.2214% | 2,073 |
| Tier 1 risk-based capital ratio | 20.8198% | 1,498 |
| Total risk-based capital ratio | 22.1124% | 1,461 |
| Memoranda: | ||
| Average total assets | $344,565,600 | 1,880 |
| Average earning assets | $319,554,000 | 1,855 |
| Average equity | $39,909,200 | 1,745 |
| Average total loans | $189,528,800 | 2,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 5,369 |
| Cost of funding earning assets | 0.3464% | 6,397 |
| Net interest margin | 3.7003% | 3,792 |
| Noninterest income to average assets | 0.8743% | 1,927 |
| Noninterest expense to average assets | 2.9787% | 3,310 |
| Loan and lease loss provision to assets | 0.7464% | 667 |
| Net operating income to assets | 0.5835% | 4,463 |
| Return on assets (ROA) | 0.5835% | 4,739 |
| Pretax return on assets | 0.5835% | 5,225 |
| Return on Equity (ROE) | 5.0286% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.0504% | 4,039 |
| Net charge-offs to loans | 1.3094% | 720 |
| Credit loss provision to net charge-offs | 102.0191% | 2,887 |
| Earnings coverage of net charge-offs (x) | 1.8177% | 4,353 |
| Efficiency ratio | 69.1329% | 3,858 |
| Assets per employee ($millions) | 3.5067% | 4,968 |
| Cash dividends to net income (ytd only)* | 19.4535% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4598% | 214 |
| Loan loss allowance to noncurrent loans | 132.9278% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 2.7929% | 1,878 |
| Noncurrent loans to loans | 3.3550% | 1,635 |
| Net loans and leases to total assets | 50.5686% | 5,245 |
| Net loans and leases to deposits | 57.9864% | 5,433 |
| Net loans and leases to core deposits | 59.0147% | 5,658 |
| Total domestic deposits to total assets | 87.2076% | 2,552 |
| Equity capital to assets | 11.5901% | 2,660 |
| Core capital (leverage) ratio | 11.2967% | 2,142 |
| Tier 1 risk-based capital ratio | 20.6228% | 1,613 |
| Total risk-based capital ratio | 21.9111% | 1,575 |
| Memoranda: | ||
| Average total assets | $342,960,500 | 1,904 |
| Average earning assets | $318,305,000 | 1,883 |
| Average equity | $39,797,750 | 1,762 |
| Average total loans | $191,631,250 | 2,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 5,337 |
| Cost of funding earning assets | 0.3532% | 6,497 |
| Net interest margin | 3.7407% | 3,636 |
| Noninterest income to average assets | 0.8590% | 1,935 |
| Noninterest expense to average assets | 2.9272% | 3,516 |
| Loan and lease loss provision to assets | 0.5797% | 1,045 |
| Net operating income to assets | 0.8186% | 3,307 |
| Return on assets (ROA) | 0.8186% | 3,567 |
| Pretax return on assets | 0.8186% | 4,405 |
| Return on Equity (ROE) | 7.0515% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.5786% | 2,942 |
| Net charge-offs to loans | 0.3562% | 2,592 |
| Credit loss provision to net charge-offs | 286.1272% | 1,022 |
| Earnings coverage of net charge-offs (x) | 6.9017% | 2,562 |
| Efficiency ratio | 67.6729% | 4,194 |
| Assets per employee ($millions) | 3.4157% | 5,181 |
| Cash dividends to net income (ytd only)* | 20.8870% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5805% | 217 |
| Loan loss allowance to noncurrent loans | 151.5063% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 2.6700% | 2,072 |
| Noncurrent loans to loans | 3.0233% | 1,952 |
| Net loans and leases to total assets | 53.6749% | 4,855 |
| Net loans and leases to deposits | 61.7279% | 5,035 |
| Net loans and leases to core deposits | 62.7894% | 5,324 |
| Total domestic deposits to total assets | 86.9541% | 2,795 |
| Equity capital to assets | 11.7522% | 2,364 |
| Core capital (leverage) ratio | 11.4183% | 1,956 |
| Tier 1 risk-based capital ratio | 19.8239% | 1,748 |
| Total risk-based capital ratio | 21.1143% | 1,705 |
| Memoranda: | ||
| Average total assets | $341,558,000 | 1,910 |
| Average earning assets | $316,521,330 | 1,885 |
| Average equity | $39,651,330 | 1,759 |
| Average total loans | $194,257,330 | 2,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 5,414 |
| Cost of funding earning assets | 0.3652% | 6,574 |
| Net interest margin | 3.7453% | 3,612 |
| Noninterest income to average assets | 0.9041% | 1,731 |
| Noninterest expense to average assets | 2.8868% | 3,677 |
| Loan and lease loss provision to assets | 0.3162% | 1,982 |
| Net operating income to assets | 1.1606% | 1,857 |
| Return on assets (ROA) | 1.1606% | 2,032 |
| Pretax return on assets | 1.1606% | 3,065 |
| Return on Equity (ROE) | 10.0594% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.0954% | 2,384 |
| Net charge-offs to loans | 0.2601% | 2,633 |
| Credit loss provision to net charge-offs | 212.5984% | 1,282 |
| Earnings coverage of net charge-offs (x) | 9.9291% | 1,799 |
| Efficiency ratio | 66.1567% | 4,531 |
| Assets per employee ($millions) | 3.4173% | 5,304 |
| Cash dividends to net income (ytd only)* | 29.4652% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3364% | 279 |
| Loan loss allowance to noncurrent loans | 118.3516% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 2.8428% | 2,057 |
| Noncurrent loans to loans | 3.6640% | 1,692 |
| Net loans and leases to total assets | 53.0513% | 4,876 |
| Net loans and leases to deposits | 60.9740% | 5,048 |
| Net loans and leases to core deposits | 61.9575% | 5,333 |
| Total domestic deposits to total assets | 87.0064% | 2,952 |
| Equity capital to assets | 11.5128% | 2,432 |
| Core capital (leverage) ratio | 11.3821% | 1,977 |
| Tier 1 risk-based capital ratio | 19.6840% | 1,785 |
| Total risk-based capital ratio | 20.9717% | 1,750 |
| Memoranda: | ||
| Average total assets | $341,551,500 | 1,919 |
| Average earning assets | $315,485,000 | 1,898 |
| Average equity | $39,406,000 | 1,761 |
| Average total loans | $195,316,500 | 2,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 5,168 |
| Cost of funding earning assets | 0.4644% | 6,680 |
| Net interest margin | 4.0091% | 2,840 |
| Noninterest income to average assets | 0.8720% | 1,766 |
| Noninterest expense to average assets | 2.9640% | 3,727 |
| Loan and lease loss provision to assets | 1.2650% | 662 |
| Net operating income to assets | 0.3212% | 5,188 |
| Return on assets (ROA) | 0.3212% | 5,336 |
| Pretax return on assets | 0.3212% | 5,505 |
| Return on Equity (ROE) | 2.8314% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.8314% | 4,223 |
| Net charge-offs to loans | 2.4037% | 498 |
| Credit loss provision to net charge-offs | 86.7644% | 4,163 |
| Earnings coverage of net charge-offs (x) | 1.0880% | 4,972 |
| Efficiency ratio | 65.1393% | 4,930 |
| Assets per employee ($millions) | 3.3133% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0943% | 358 |
| Loan loss allowance to noncurrent loans | 139.8183% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 2.9965% | 2,011 |
| Noncurrent loans to loans | 2.9283% | 2,225 |
| Net loans and leases to total assets | 56.5372% | 4,617 |
| Net loans and leases to deposits | 65.3232% | 4,834 |
| Net loans and leases to core deposits | 66.3920% | 5,213 |
| Total domestic deposits to total assets | 86.5500% | 3,008 |
| Equity capital to assets | 11.5625% | 2,459 |
| Core capital (leverage) ratio | 11.0550% | 2,227 |
| Tier 1 risk-based capital ratio | 18.5209% | 2,041 |
| Total risk-based capital ratio | 19.8048% | 1,994 |
| Memoranda: | ||
| Average total assets | $341,502,600 | 1,895 |
| Average earning assets | $313,312,800 | 1,882 |
| Average equity | $38,743,600 | 1,743 |
| Average total loans | $207,139,400 | 1,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 5,163 |
| Cost of funding earning assets | 0.4835% | 6,768 |
| Net interest margin | 4.0466% | 2,705 |
| Noninterest income to average assets | 1.0658% | 1,184 |
| Noninterest expense to average assets | 3.2485% | 2,667 |
| Loan and lease loss provision to assets | 1.1429% | 706 |
| Net operating income to assets | 0.3867% | 5,055 |
| Return on assets (ROA) | 0.3867% | 5,241 |
| Pretax return on assets | 0.3867% | 5,509 |
| Return on Equity (ROE) | 3.4246% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.4246% | 4,298 |
| Net charge-offs to loans | 2.0186% | 627 |
| Credit loss provision to net charge-offs | 92.7037% | 3,678 |
| Earnings coverage of net charge-offs (x) | 1.2407% | 4,685 |
| Efficiency ratio | 67.9870% | 4,313 |
| Assets per employee ($millions) | 3.3355% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3072% | 308 |
| Loan loss allowance to noncurrent loans | 129.4091% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 3.3930% | 1,869 |
| Noncurrent loans to loans | 3.3283% | 2,072 |
| Net loans and leases to total assets | 55.5171% | 4,914 |
| Net loans and leases to deposits | 63.8550% | 5,188 |
| Net loans and leases to core deposits | 64.8774% | 5,535 |
| Total domestic deposits to total assets | 86.9425% | 2,691 |
| Equity capital to assets | 11.3521% | 2,813 |
| Core capital (leverage) ratio | 10.9703% | 2,415 |
| Tier 1 risk-based capital ratio | 18.4029% | 2,116 |
| Total risk-based capital ratio | 19.6896% | 2,073 |
| Memoranda: | ||
| Average total assets | $342,389,250 | 1,899 |
| Average earning assets | $314,099,500 | 1,884 |
| Average equity | $38,660,500 | 1,743 |
| Average total loans | $209,117,250 | 1,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 5,159 |
| Cost of funding earning assets | 0.5154% | 6,796 |
| Net interest margin | 4.0392% | 2,651 |
| Noninterest income to average assets | 0.9702% | 1,405 |
| Noninterest expense to average assets | 3.2111% | 2,862 |
| Loan and lease loss provision to assets | 0.9444% | 935 |
| Net operating income to assets | 0.5129% | 4,445 |
| Return on assets (ROA) | 0.5129% | 4,585 |
| Pretax return on assets | 0.5129% | 5,020 |
| Return on Equity (ROE) | 4.5503% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.5503% | 3,291 |
| Net charge-offs to loans | 0.5603% | 2,427 |
| Credit loss provision to net charge-offs | 271.4286% | 1,118 |
| Earnings coverage of net charge-offs (x) | 4.1882% | 2,935 |
| Efficiency ratio | 68.7837% | 4,369 |
| Assets per employee ($millions) | 3.3858% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7541% | 224 |
| Loan loss allowance to noncurrent loans | 99.4238% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 4.7358% | 1,313 |
| Noncurrent loans to loans | 4.7817% | 1,379 |
| Net loans and leases to total assets | 57.6242% | 4,703 |
| Net loans and leases to deposits | 66.1452% | 4,985 |
| Net loans and leases to core deposits | 67.2063% | 5,368 |
| Total domestic deposits to total assets | 87.1178% | 2,674 |
| Equity capital to assets | 11.3727% | 2,623 |
| Core capital (leverage) ratio | 10.8589% | 2,366 |
| Tier 1 risk-based capital ratio | 17.6385% | 2,295 |
| Total risk-based capital ratio | 18.9304% | 2,242 |
| Memoranda: | ||
| Average total assets | $342,000,000 | 1,909 |
| Average earning assets | $313,130,670 | 1,899 |
| Average equity | $38,547,000 | 1,743 |
| Average total loans | $212,383,670 | 1,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 4,931 |
| Cost of funding earning assets | 0.5563% | 6,779 |
| Net interest margin | 4.0473% | 2,481 |
| Noninterest income to average assets | 0.9333% | 1,535 |
| Noninterest expense to average assets | 3.2443% | 2,727 |
| Loan and lease loss provision to assets | 0.4912% | 1,784 |
| Net operating income to assets | 0.8994% | 2,565 |
| Return on assets (ROA) | 0.8994% | 2,624 |
| Pretax return on assets | 0.8994% | 3,495 |
| Return on Equity (ROE) | 8.0156% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.0156% | 1,726 |
| Net charge-offs to loans | 0.2231% | 3,196 |
| Credit loss provision to net charge-offs | 350.0000% | 933 |
| Earnings coverage of net charge-offs (x) | 9.9083% | 1,679 |
| Efficiency ratio | 69.9975% | 4,275 |
| Assets per employee ($millions) | 3.3305% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2894% | 352 |
| Loan loss allowance to noncurrent loans | 99.8357% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 4.6297% | 1,391 |
| Noncurrent loans to loans | 4.2965% | 1,656 |
| Net loans and leases to total assets | 58.7244% | 4,510 |
| Net loans and leases to deposits | 67.2808% | 4,788 |
| Net loans and leases to core deposits | 68.9633% | 5,174 |
| Total domestic deposits to total assets | 87.2825% | 2,776 |
| Equity capital to assets | 11.1914% | 2,511 |
| Core capital (leverage) ratio | 11.0034% | 2,189 |
| Tier 1 risk-based capital ratio | 16.9786% | 2,485 |
| Total risk-based capital ratio | 18.2641% | 2,447 |
| Memoranda: | ||
| Average total assets | $342,015,500 | 1,923 |
| Average earning assets | $312,804,000 | 1,910 |
| Average equity | $38,375,000 | 1,735 |
| Average total loans | $215,129,000 | 1,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 3,931 |
| Cost of funding earning assets | 0.7837% | 6,633 |
| Net interest margin | 4.3507% | 1,643 |
| Noninterest income to average assets | 1.0528% | 1,350 |
| Noninterest expense to average assets | 3.5178% | 2,129 |
| Loan and lease loss provision to assets | 1.3802% | 1,090 |
| Net operating income to assets | 0.0901% | 5,611 |
| Return on assets (ROA) | 0.0901% | 5,749 |
| Pretax return on assets | 0.0901% | 5,722 |
| Return on Equity (ROE) | 0.8064% | 5,751 |
| Retained earnings to average equity (ytd only) | 0.8064% | 5,149 |
| Net charge-offs to loans | 2.2000% | 888 |
| Credit loss provision to net charge-offs | 90.4789% | 5,112 |
| Earnings coverage of net charge-offs (x) | 0.9638% | 5,146 |
| Efficiency ratio | 70.5239% | 4,069 |
| Assets per employee ($millions) | 3.2467% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0494% | 380 |
| Loan loss allowance to noncurrent loans | 83.1087% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 5.7618% | 1,052 |
| Noncurrent loans to loans | 4.8724% | 1,412 |
| Net loans and leases to total assets | 61.8731% | 4,315 |
| Net loans and leases to deposits | 70.8320% | 4,709 |
| Net loans and leases to core deposits | 72.9262% | 5,108 |
| Total domestic deposits to total assets | 87.3520% | 2,638 |
| Equity capital to assets | 11.2499% | 2,455 |
| Core capital (leverage) ratio | 10.5743% | 2,488 |
| Tier 1 risk-based capital ratio | 15.9786% | 2,762 |
| Total risk-based capital ratio | 17.2608% | 2,704 |
| Memoranda: | ||
| Average total assets | $346,329,000 | 1,882 |
| Average earning assets | $313,263,400 | 1,892 |
| Average equity | $38,689,600 | 1,710 |
| Average total loans | $240,139,400 | 1,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 3,455 |
| Cost of funding earning assets | 0.8254% | 6,670 |
| Net interest margin | 4.4541% | 1,362 |
| Noninterest income to average assets | 1.0578% | 1,284 |
| Noninterest expense to average assets | 3.4211% | 2,232 |
| Loan and lease loss provision to assets | 1.0177% | 1,448 |
| Net operating income to assets | 0.6408% | 3,696 |
| Return on assets (ROA) | 0.6408% | 3,866 |
| Pretax return on assets | 0.6408% | 4,450 |
| Return on Equity (ROE) | 5.7462% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.7462% | 2,513 |
| Net charge-offs to loans | 1.1709% | 1,742 |
| Credit loss provision to net charge-offs | 123.2623% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.0088% | 4,212 |
| Efficiency ratio | 67.3496% | 4,596 |
| Assets per employee ($millions) | 3.3010% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2671% | 293 |
| Loan loss allowance to noncurrent loans | 71.0945% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 6.8311% | 804 |
| Noncurrent loans to loans | 6.0021% | 1,038 |
| Net loans and leases to total assets | 63.5685% | 4,207 |
| Net loans and leases to deposits | 73.0039% | 4,689 |
| Net loans and leases to core deposits | 75.4028% | 5,133 |
| Total domestic deposits to total assets | 87.0756% | 2,483 |
| Equity capital to assets | 11.3662% | 2,639 |
| Core capital (leverage) ratio | 10.8889% | 2,344 |
| Tier 1 risk-based capital ratio | 15.5742% | 2,957 |
| Total risk-based capital ratio | 16.8587% | 2,906 |
| Memoranda: | ||
| Average total assets | $348,497,000 | 1,902 |
| Average earning assets | $314,666,250 | 1,916 |
| Average equity | $38,865,500 | 1,717 |
| Average total loans | $245,740,250 | 1,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 2,631 |
| Cost of funding earning assets | 0.8752% | 6,673 |
| Net interest margin | 4.6001% | 993 |
| Noninterest income to average assets | 0.9916% | 1,400 |
| Noninterest expense to average assets | 3.3054% | 2,547 |
| Loan and lease loss provision to assets | 0.9681% | 1,503 |
| Net operating income to assets | 0.8673% | 2,669 |
| Return on assets (ROA) | 0.8673% | 2,802 |
| Pretax return on assets | 0.8673% | 3,635 |
| Return on Equity (ROE) | 7.8266% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.8266% | 1,501 |
| Net charge-offs to loans | 1.3757% | 1,382 |
| Credit loss provision to net charge-offs | 97.9143% | 4,185 |
| Earnings coverage of net charge-offs (x) | 1.8563% | 4,127 |
| Efficiency ratio | 64.2969% | 5,279 |
| Assets per employee ($millions) | 3.2648% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8666% | 416 |
| Loan loss allowance to noncurrent loans | 77.8122% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 6.5268% | 853 |
| Noncurrent loans to loans | 4.9692% | 1,395 |
| Net loans and leases to total assets | 66.6921% | 3,690 |
| Net loans and leases to deposits | 76.9134% | 4,170 |
| Net loans and leases to core deposits | 79.4409% | 4,750 |
| Total domestic deposits to total assets | 86.7106% | 2,697 |
| Equity capital to assets | 11.3357% | 2,563 |
| Core capital (leverage) ratio | 10.8757% | 2,344 |
| Tier 1 risk-based capital ratio | 14.8152% | 3,258 |
| Total risk-based capital ratio | 16.0950% | 3,214 |
| Memoranda: | ||
| Average total assets | $349,127,000 | 1,916 |
| Average earning assets | $314,904,330 | 1,931 |
| Average equity | $38,688,670 | 1,720 |
| Average total loans | $250,935,670 | 1,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 2,300 |
| Cost of funding earning assets | 0.9213% | 6,692 |
| Net interest margin | 4.6455% | 879 |
| Noninterest income to average assets | 0.9822% | 1,357 |
| Noninterest expense to average assets | 3.2807% | 2,594 |
| Loan and lease loss provision to assets | 0.3080% | 3,579 |
| Net operating income to assets | 1.5810% | 779 |
| Return on assets (ROA) | 1.5810% | 833 |
| Pretax return on assets | 1.5810% | 1,311 |
| Return on Equity (ROE) | 14.4305% | 969 |
| Retained earnings to average equity (ytd only) | 14.4305% | 459 |
| Net charge-offs to loans | 0.6865% | 2,117 |
| Credit loss provision to net charge-offs | 61.3636% | 4,273 |
| Earnings coverage of net charge-offs (x) | 3.7636% | 2,794 |
| Efficiency ratio | 63.4598% | 5,593 |
| Assets per employee ($millions) | 3.2538% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6418% | 490 |
| Loan loss allowance to noncurrent loans | 64.9234% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 7.6521% | 654 |
| Noncurrent loans to loans | 5.6094% | 1,232 |
| Net loans and leases to total assets | 69.5305% | 3,049 |
| Net loans and leases to deposits | 80.0583% | 3,650 |
| Net loans and leases to core deposits | 82.8881% | 4,360 |
| Total domestic deposits to total assets | 86.8498% | 2,709 |
| Equity capital to assets | 11.2303% | 2,550 |
| Core capital (leverage) ratio | 10.7582% | 2,408 |
| Tier 1 risk-based capital ratio | 14.0465% | 3,628 |
| Total risk-based capital ratio | 15.3232% | 3,571 |
| Memoranda: | ||
| Average total assets | $350,658,000 | 1,955 |
| Average earning assets | $316,088,500 | 1,971 |
| Average equity | $38,418,500 | 1,754 |
| Average total loans | $256,363,000 | 1,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 5,938 |
| Cost of funding earning assets | 1.4118% | 5,883 |
| Net interest margin | 3.7235% | 4,030 |
| Noninterest income to average assets | 1.0141% | 1,524 |
| Noninterest expense to average assets | 3.2067% | 3,356 |
| Loan and lease loss provision to assets | 2.7596% | 672 |
| Net operating income to assets | -1.5315% | 6,875 |
| Return on assets (ROA) | -1.5315% | 6,879 |
| Pretax return on assets | -1.5315% | 6,724 |
| Return on Equity (ROE) | -13.5096% | 6,855 |
| Retained earnings to average equity (ytd only) | -13.8915% | 6,810 |
| Net charge-offs to loans | 3.3298% | 600 |
| Credit loss provision to net charge-offs | 109.3676% | 5,042 |
| Earnings coverage of net charge-offs (x) | 0.4867% | 5,622 |
| Efficiency ratio | 72.3075% | 4,217 |
| Assets per employee ($millions) | 3.2700% | 5,561 |
| Cash dividends to net income (ytd only)* | -2.8272% | 7,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5636% | 505 |
| Loan loss allowance to noncurrent loans | 52.9609% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 7.7622% | 600 |
| Noncurrent loans to loans | 6.7288% | 875 |
| Net loans and leases to total assets | 71.4077% | 2,909 |
| Net loans and leases to deposits | 81.5599% | 3,683 |
| Net loans and leases to core deposits | 96.1518% | 4,454 |
| Total domestic deposits to total assets | 87.5524% | 2,197 |
| Equity capital to assets | 10.6858% | 2,978 |
| Core capital (leverage) ratio | 10.0080% | 3,083 |
| Tier 1 risk-based capital ratio | 13.1794% | 4,026 |
| Total risk-based capital ratio | 14.4556% | 3,960 |
| Memoranda: | ||
| Average total assets | $367,227,200 | 1,848 |
| Average earning assets | $337,369,000 | 1,846 |
| Average equity | $41,629,800 | 1,604 |
| Average total loans | $278,270,800 | 1,732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 6,365 |
| Cost of funding earning assets | 1.4872% | 5,873 |
| Net interest margin | 3.5868% | 4,530 |
| Noninterest income to average assets | 1.0055% | 1,587 |
| Noninterest expense to average assets | 3.1658% | 3,418 |
| Loan and lease loss provision to assets | 1.7298% | 1,068 |
| Net operating income to assets | -0.5848% | 6,516 |
| Return on assets (ROA) | -0.5848% | 6,511 |
| Pretax return on assets | -0.5848% | 6,377 |
| Return on Equity (ROE) | -5.0888% | 6,462 |
| Retained earnings to average equity (ytd only) | -5.5864% | 6,332 |
| Net charge-offs to loans | 2.5674% | 714 |
| Credit loss provision to net charge-offs | 88.4354% | 5,525 |
| Earnings coverage of net charge-offs (x) | 0.5854% | 5,445 |
| Efficiency ratio | 73.4379% | 3,969 |
| Assets per employee ($millions) | 3.2645% | 5,484 |
| Cash dividends to net income (ytd only)* | -9.7784% | 7,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8966% | 727 |
| Loan loss allowance to noncurrent loans | 30.7251% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 9.1622% | 419 |
| Noncurrent loans to loans | 9.4274% | 447 |
| Net loans and leases to total assets | 71.7192% | 3,107 |
| Net loans and leases to deposits | 83.1128% | 3,809 |
| Net loans and leases to core deposits | 98.6094% | 4,536 |
| Total domestic deposits to total assets | 86.2913% | 2,545 |
| Equity capital to assets | 11.4162% | 2,661 |
| Core capital (leverage) ratio | 10.9822% | 2,418 |
| Tier 1 risk-based capital ratio | 14.3519% | 3,357 |
| Total risk-based capital ratio | 15.6208% | 3,291 |
| Memoranda: | ||
| Average total assets | $370,743,750 | 1,851 |
| Average earning assets | $341,654,000 | 1,845 |
| Average equity | $42,602,750 | 1,588 |
| Average total loans | $282,462,750 | 1,722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 6,607 |
| Cost of funding earning assets | 1.5582% | 5,895 |
| Net interest margin | 3.4941% | 4,824 |
| Noninterest income to average assets | 1.0224% | 1,519 |
| Noninterest expense to average assets | 3.1993% | 3,341 |
| Loan and lease loss provision to assets | 2.4379% | 647 |
| Net operating income to assets | -1.3951% | 7,198 |
| Return on assets (ROA) | -1.3951% | 7,205 |
| Pretax return on assets | -1.3951% | 7,033 |
| Return on Equity (ROE) | -12.1146% | 7,182 |
| Retained earnings to average equity (ytd only) | -12.8560% | 7,108 |
| Net charge-offs to loans | 2.1409% | 861 |
| Credit loss provision to net charge-offs | 147.9791% | 3,121 |
| Earnings coverage of net charge-offs (x) | 0.6330% | 5,071 |
| Efficiency ratio | 75.4177% | 3,805 |
| Assets per employee ($millions) | 3.1716% | 5,655 |
| Cash dividends to net income (ytd only)* | -6.1201% | 7,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5476% | 363 |
| Loan loss allowance to noncurrent loans | 37.8668% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 9.4988% | 334 |
| Noncurrent loans to loans | 9.3687% | 404 |
| Net loans and leases to total assets | 73.3295% | 2,877 |
| Net loans and leases to deposits | 84.6169% | 3,772 |
| Net loans and leases to core deposits | 100.6683% | 4,443 |
| Total domestic deposits to total assets | 86.6605% | 2,423 |
| Equity capital to assets | 11.0745% | 2,852 |
| Core capital (leverage) ratio | 10.5530% | 2,763 |
| Tier 1 risk-based capital ratio | 13.5378% | 3,795 |
| Total risk-based capital ratio | 14.8104% | 3,712 |
| Memoranda: | ||
| Average total assets | $372,451,000 | 1,870 |
| Average earning assets | $343,210,000 | 1,848 |
| Average equity | $42,890,330 | 1,591 |
| Average total loans | $286,602,670 | 1,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 5,329 |
| Cost of funding earning assets | 1.5943% | 6,053 |
| Net interest margin | 3.8226% | 3,362 |
| Noninterest income to average assets | 0.8625% | 2,021 |
| Noninterest expense to average assets | 3.0882% | 3,419 |
| Loan and lease loss provision to assets | 0.2882% | 3,650 |
| Net operating income to assets | 1.0130% | 2,258 |
| Return on assets (ROA) | 1.0130% | 2,398 |
| Pretax return on assets | 1.0130% | 3,303 |
| Return on Equity (ROE) | 8.6344% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.6344% | 1,588 |
| Net charge-offs to loans | 1.0274% | 1,310 |
| Credit loss provision to net charge-offs | 36.2416% | 4,869 |
| Earnings coverage of net charge-offs (x) | 1.6362% | 3,914 |
| Efficiency ratio | 70.3551% | 4,505 |
| Assets per employee ($millions) | 3.0131% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7879% | 589 |
| Loan loss allowance to noncurrent loans | 53.8883% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 6.3015% | 607 |
| Noncurrent loans to loans | 5.1735% | 1,037 |
| Net loans and leases to total assets | 74.4376% | 2,640 |
| Net loans and leases to deposits | 86.1352% | 3,604 |
| Net loans and leases to core deposits | 102.7331% | 4,264 |
| Total domestic deposits to total assets | 86.4195% | 2,493 |
| Equity capital to assets | 11.8933% | 2,330 |
| Core capital (leverage) ratio | 11.5370% | 2,123 |
| Tier 1 risk-based capital ratio | 14.0449% | 3,563 |
| Total risk-based capital ratio | 15.3117% | 3,473 |
| Memoranda: | ||
| Average total assets | $374,722,500 | 1,863 |
| Average earning assets | $345,729,500 | 1,855 |
| Average equity | $43,963,500 | 1,549 |
| Average total loans | $290,050,000 | 1,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6811% | 2,097 |
| Cost of funding earning assets | 2.0496% | 6,240 |
| Net interest margin | 4.6315% | 1,093 |
| Noninterest income to average assets | 0.9789% | 1,654 |
| Noninterest expense to average assets | 3.1730% | 3,438 |
| Loan and lease loss provision to assets | 1.3222% | 1,072 |
| Net operating income to assets | 0.7813% | 3,518 |
| Return on assets (ROA) | 0.7813% | 3,360 |
| Pretax return on assets | 0.7813% | 4,138 |
| Return on Equity (ROE) | 6.8526% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.2277% | 3,141 |
| Net charge-offs to loans | 1.4957% | 776 |
| Credit loss provision to net charge-offs | 111.6484% | 4,827 |
| Earnings coverage of net charge-offs (x) | 1.7763% | 5,189 |
| Efficiency ratio | 60.1342% | 6,312 |
| Assets per employee ($millions) | 3.0555% | 5,920 |
| Cash dividends to net income (ytd only)* | 52.8981% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8744% | 482 |
| Loan loss allowance to noncurrent loans | 52.2150% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 5.5412% | 579 |
| Noncurrent loans to loans | 5.5050% | 737 |
| Net loans and leases to total assets | 75.9820% | 2,626 |
| Net loans and leases to deposits | 87.7317% | 3,841 |
| Net loans and leases to core deposits | 104.7627% | 4,324 |
| Total domestic deposits to total assets | 86.6072% | 2,139 |
| Equity capital to assets | 11.5722% | 2,587 |
| Core capital (leverage) ratio | 11.0413% | 2,562 |
| Tier 1 risk-based capital ratio | 13.3642% | 3,889 |
| Total risk-based capital ratio | 14.6318% | 3,789 |
| Memoranda: | ||
| Average total assets | $384,210,200 | 1,759 |
| Average earning assets | $356,513,800 | 1,739 |
| Average equity | $43,808,200 | 1,536 |
| Average total loans | $304,214,200 | 1,590 |