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 | 4.2605% | 3,505 |
| Cost of funding earning assets | 1.7962% | 1,255 |
| Net interest margin | 2.4643% | 4,126 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.6122% | 4,239 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8382% | 2,748 |
| Return on assets (ROA) | 0.8382% | 2,727 |
| Pretax return on assets | 0.9886% | 2,710 |
| Return on Equity (ROE) | 8.8400% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.7736% | 2,331 |
| Net charge-offs to loans | 0.0040% | 2,598 |
| Credit loss provision to net charge-offs | 1,488.2353% | 299 |
| Earnings coverage of net charge-offs (x) | 495.3529% | 297 |
| Efficiency ratio | 61.2685% | 2,942 |
| Assets per employee ($millions) | 11.2507% | 499 |
| Cash dividends to net income (ytd only)* | 34.6520% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 3,762 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.7100% | 3,438 |
| Net loans and leases to deposits | 58.3566% | 3,613 |
| Net loans and leases to core deposits | 77.2842% | 2,897 |
| Total domestic deposits to total assets | 90.3200% | 671 |
| Equity capital to assets | 9.5581% | 2,306 |
| Core capital (leverage) ratio | 11.9984% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $826,252,400 | 1,153 |
| Average earning assets | $792,792,000 | 1,114 |
| Average equity | $78,391,000 | 1,152 |
| Average total loans | $428,981,200 | 1,400 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 3,441 |
| Cost of funding earning assets | 1.6697% | 1,237 |
| Net interest margin | 2.5452% | 4,094 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.6221% | 4,216 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8991% | 2,680 |
| Return on assets (ROA) | 0.8991% | 2,668 |
| Pretax return on assets | 1.0721% | 2,648 |
| Return on Equity (ROE) | 9.5000% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.4952% | 1,552 |
| Net charge-offs to loans | 0.0073% | 2,161 |
| Credit loss provision to net charge-offs | 508.6957% | 621 |
| Earnings coverage of net charge-offs (x) | 289.4783% | 464 |
| Efficiency ratio | 59.7801% | 2,991 |
| Assets per employee ($millions) | 10.2386% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 3,713 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.7000% | 3,311 |
| Net loans and leases to deposits | 60.7389% | 3,459 |
| Net loans and leases to core deposits | 81.9328% | 2,475 |
| Total domestic deposits to total assets | 90.0600% | 922 |
| Equity capital to assets | 9.6025% | 2,041 |
| Core capital (leverage) ratio | 12.4745% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $813,426,000 | 1,164 |
| Average earning assets | $780,326,250 | 1,130 |
| Average equity | $77,019,250 | 1,158 |
| Average total loans | $419,553,750 | 1,420 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,386 |
| Cost of funding earning assets | 1.5120% | 1,220 |
| Net interest margin | 2.6410% | 4,057 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.6179% | 4,244 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9758% | 2,503 |
| Return on assets (ROA) | 0.9758% | 2,493 |
| Pretax return on assets | 1.1601% | 2,474 |
| Return on Equity (ROE) | 10.3500% | 2,611 |
| Retained earnings to average equity (ytd only) | 10.3539% | 1,320 |
| Net charge-offs to loans | 0.0048% | 2,099 |
| Credit loss provision to net charge-offs | 1,170.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 486.4000% | 301 |
| Efficiency ratio | 57.6454% | 3,233 |
| Assets per employee ($millions) | 10.6099% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,675 |
| Loan loss allowance to noncurrent loans | 7,151.7857% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,791 |
| Noncurrent loans to loans | 0.0131% | 3,684 |
| Net loans and leases to total assets | 52.6600% | 3,360 |
| Net loans and leases to deposits | 58.3418% | 3,523 |
| Net loans and leases to core deposits | 78.0750% | 2,605 |
| Total domestic deposits to total assets | 90.2600% | 854 |
| Equity capital to assets | 9.5125% | 2,152 |
| Core capital (leverage) ratio | 12.0677% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $818,365,667 | 1,159 |
| Average earning assets | $785,451,000 | 1,119 |
| Average equity | $77,130,333 | 1,149 |
| Average total loans | $412,454,333 | 1,425 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,428 |
| Cost of funding earning assets | 1.3432% | 1,147 |
| Net interest margin | 2.6702% | 4,113 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.6245% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0199% | 2,468 |
| Return on assets (ROA) | 1.0199% | 2,435 |
| Pretax return on assets | 1.2014% | 2,418 |
| Return on Equity (ROE) | 10.8700% | 2,528 |
| Retained earnings to average equity (ytd only) | 10.8710% | 1,495 |
| Net charge-offs to loans | -0.0010% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4863% | 3,247 |
| Assets per employee ($millions) | 10.7825% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,651 |
| Loan loss allowance to noncurrent loans | 3,577.0642% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,727 |
| Noncurrent loans to loans | 0.0270% | 3,574 |
| Net loans and leases to total assets | 48.1700% | 3,615 |
| Net loans and leases to deposits | 53.3174% | 3,723 |
| Net loans and leases to core deposits | 70.0079% | 2,954 |
| Total domestic deposits to total assets | 90.3500% | 1,028 |
| Equity capital to assets | 9.4292% | 2,201 |
| Core capital (leverage) ratio | 11.7929% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $824,374,000 | 1,173 |
| Average earning assets | $791,538,500 | 1,125 |
| Average equity | $77,343,500 | 1,159 |
| Average total loans | $404,361,500 | 1,463 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 3,469 |
| Cost of funding earning assets | 0.4548% | 1,685 |
| Net interest margin | 2.8963% | 3,689 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.5468% | 4,373 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2242% | 1,685 |
| Return on assets (ROA) | 1.2242% | 1,637 |
| Pretax return on assets | 1.4582% | 1,584 |
| Return on Equity (ROE) | 12.1400% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.7304% | 1,945 |
| Net charge-offs to loans | 0.0208% | 1,671 |
| Credit loss provision to net charge-offs | 588.6076% | 613 |
| Earnings coverage of net charge-offs (x) | 155.3671% | 769 |
| Efficiency ratio | 50.5101% | 4,101 |
| Assets per employee ($millions) | 10.3607% | 599 |
| Cash dividends to net income (ytd only)* | 36.3123% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,088 |
| Loan loss allowance to noncurrent loans | 2,236.4286% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,681 |
| Noncurrent loans to loans | 0.0346% | 3,533 |
| Net loans and leases to total assets | 49.0900% | 3,576 |
| Net loans and leases to deposits | 54.1795% | 3,671 |
| Net loans and leases to core deposits | 71.5641% | 2,755 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 9.3343% | 2,125 |
| Core capital (leverage) ratio | 11.8483% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $809,846,400 | 1,175 |
| Average earning assets | $780,373,200 | 1,136 |
| Average equity | $81,677,200 | 1,112 |
| Average total loans | $380,174,000 | 1,455 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1791% | 3,485 |
| Cost of funding earning assets | 0.2993% | 2,176 |
| Net interest margin | 2.8799% | 3,540 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.5514% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2235% | 1,616 |
| Return on assets (ROA) | 1.2235% | 1,589 |
| Pretax return on assets | 1.4992% | 1,409 |
| Return on Equity (ROE) | 11.9100% | 2,064 |
| Retained earnings to average equity (ytd only) | 11.9071% | 818 |
| Net charge-offs to loans | 0.0036% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 908.2000% | 173 |
| Efficiency ratio | 50.8550% | 4,107 |
| Assets per employee ($millions) | 9.9935% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 4,275 |
| Loan loss allowance to noncurrent loans | 1,912.5874% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,767 |
| Noncurrent loans to loans | 0.0359% | 3,640 |
| Net loans and leases to total assets | 50.1500% | 3,443 |
| Net loans and leases to deposits | 55.4445% | 3,522 |
| Net loans and leases to core deposits | 73.4917% | 2,386 |
| Total domestic deposits to total assets | 90.4400% | 1,456 |
| Equity capital to assets | 9.3237% | 2,000 |
| Core capital (leverage) ratio | 12.3538% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $807,684,250 | 1,183 |
| Average earning assets | $778,813,750 | 1,146 |
| Average equity | $82,996,250 | 1,109 |
| Average total loans | $373,994,000 | 1,472 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 3,708 |
| Cost of funding earning assets | 0.2219% | 2,626 |
| Net interest margin | 2.7127% | 3,674 |
| Noninterest income to average assets | 0.2677% | 3,566 |
| Noninterest expense to average assets | 1.5268% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1212% | 1,697 |
| Return on assets (ROA) | 1.1212% | 1,674 |
| Pretax return on assets | 1.3609% | 1,550 |
| Return on Equity (ROE) | 10.5939% | 2,140 |
| Retained earnings to average equity (ytd only) | 10.5939% | 879 |
| Net charge-offs to loans | 0.0038% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 791.0000% | 177 |
| Efficiency ratio | 52.8726% | 4,056 |
| Assets per employee ($millions) | 10.1397% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 4,280 |
| Loan loss allowance to noncurrent loans | 2,106.1538% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,851 |
| Noncurrent loans to loans | 0.0348% | 3,690 |
| Net loans and leases to total assets | 46.8846% | 3,638 |
| Net loans and leases to deposits | 51.8845% | 3,694 |
| Net loans and leases to core deposits | 69.6266% | 2,514 |
| Total domestic deposits to total assets | 90.3632% | 1,535 |
| Equity capital to assets | 9.4843% | 2,029 |
| Core capital (leverage) ratio | 11.7245% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $813,749,000 | 1,176 |
| Average earning assets | $785,942,667 | 1,141 |
| Average equity | $86,125,000 | 1,096 |
| Average total loans | $365,782,333 | 1,488 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7400% | 3,863 |
| Cost of funding earning assets | 0.1816% | 3,069 |
| Net interest margin | 2.5584% | 3,761 |
| Noninterest income to average assets | 0.2511% | 3,641 |
| Noninterest expense to average assets | 1.5153% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9952% | 1,893 |
| Return on assets (ROA) | 0.9952% | 1,889 |
| Pretax return on assets | 1.2148% | 1,753 |
| Return on Equity (ROE) | 8.9570% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.9570% | 1,281 |
| Net charge-offs to loans | 0.0022% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,253.0000% | 64 |
| Efficiency ratio | 55.5043% | 3,923 |
| Assets per employee ($millions) | 10.7884% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,298 |
| Loan loss allowance to noncurrent loans | 2,110.0000% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,905 |
| Noncurrent loans to loans | 0.0362% | 3,722 |
| Net loans and leases to total assets | 42.9485% | 3,823 |
| Net loans and leases to deposits | 47.9948% | 3,865 |
| Net loans and leases to core deposits | 63.9369% | 2,799 |
| Total domestic deposits to total assets | 89.4858% | 1,819 |
| Equity capital to assets | 10.3830% | 1,636 |
| Core capital (leverage) ratio | 11.3744% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $825,174,500 | 1,165 |
| Average earning assets | $799,553,500 | 1,125 |
| Average equity | $91,682,000 | 1,066 |
| Average total loans | $361,900,000 | 1,487 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 3,690 |
| Cost of funding earning assets | 0.2498% | 2,939 |
| Net interest margin | 2.8467% | 3,571 |
| Noninterest income to average assets | 0.2640% | 3,799 |
| Noninterest expense to average assets | 1.5201% | 4,520 |
| Loan and lease loss provision to assets | 0.0046% | 2,984 |
| Net operating income to assets | 1.2487% | 1,747 |
| Return on assets (ROA) | 1.2543% | 1,781 |
| Pretax return on assets | 1.4976% | 1,737 |
| Return on Equity (ROE) | 9.8642% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.1469% | 2,296 |
| Net charge-offs to loans | -0.0040% | 3,499 |
| Credit loss provision to net charge-offs | -233.3333% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4071% | 4,254 |
| Assets per employee ($millions) | 10.3752% | 601 |
| Cash dividends to net income (ytd only)* | 37.6845% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 4,341 |
| Loan loss allowance to noncurrent loans | 1,467.9144% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,900 |
| Noncurrent loans to loans | 0.0513% | 3,713 |
| Net loans and leases to total assets | 44.1089% | 3,831 |
| Net loans and leases to deposits | 50.0865% | 3,871 |
| Net loans and leases to core deposits | 66.2370% | 2,800 |
| Total domestic deposits to total assets | 88.0655% | 2,011 |
| Equity capital to assets | 11.8481% | 1,318 |
| Core capital (leverage) ratio | 11.7633% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,616,800 | 1,206 |
| Average earning assets | $736,144,200 | 1,171 |
| Average equity | $96,845,400 | 1,034 |
| Average total loans | $379,151,400 | 1,431 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1698% | 3,660 |
| Cost of funding earning assets | 0.2734% | 2,859 |
| Net interest margin | 2.8963% | 3,559 |
| Noninterest income to average assets | 0.2654% | 3,816 |
| Noninterest expense to average assets | 1.5314% | 4,560 |
| Loan and lease loss provision to assets | 0.0063% | 2,850 |
| Net operating income to assets | 1.2128% | 2,125 |
| Return on assets (ROA) | 1.2200% | 2,159 |
| Pretax return on assets | 1.5346% | 1,891 |
| Return on Equity (ROE) | 9.4178% | 2,961 |
| Retained earnings to average equity (ytd only) | 9.4178% | 1,529 |
| Net charge-offs to loans | -0.0070% | 3,540 |
| Credit loss provision to net charge-offs | -175.0000% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9942% | 4,223 |
| Assets per employee ($millions) | 9.8594% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,428 |
| Loan loss allowance to noncurrent loans | 2,115.3846% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,095 |
| Noncurrent loans to loans | 0.0353% | 3,954 |
| Net loans and leases to total assets | 47.5420% | 3,670 |
| Net loans and leases to deposits | 54.8740% | 3,666 |
| Net loans and leases to core deposits | 74.1244% | 2,227 |
| Total domestic deposits to total assets | 86.6385% | 2,492 |
| Equity capital to assets | 13.0195% | 972 |
| Core capital (leverage) ratio | 12.2623% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $747,110,750 | 1,241 |
| Average earning assets | $721,676,750 | 1,200 |
| Average equity | $96,778,750 | 1,055 |
| Average total loans | $382,869,250 | 1,452 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 3,811 |
| Cost of funding earning assets | 0.2869% | 2,901 |
| Net interest margin | 2.8399% | 3,700 |
| Noninterest income to average assets | 0.2636% | 3,817 |
| Noninterest expense to average assets | 1.5274% | 4,598 |
| Loan and lease loss provision to assets | 0.0095% | 2,739 |
| Net operating income to assets | 1.1659% | 2,309 |
| Return on assets (ROA) | 1.1768% | 2,335 |
| Pretax return on assets | 1.4804% | 2,077 |
| Return on Equity (ROE) | 9.1006% | 3,066 |
| Retained earnings to average equity (ytd only) | 9.1006% | 1,681 |
| Net charge-offs to loans | -0.0083% | 3,606 |
| Credit loss provision to net charge-offs | -218.7500% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8551% | 4,155 |
| Assets per employee ($millions) | 9.6980% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 4,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.9384% | 3,730 |
| Net loans and leases to deposits | 55.1222% | 3,781 |
| Net loans and leases to core deposits | 74.9483% | 2,336 |
| Total domestic deposits to total assets | 86.9675% | 2,340 |
| Equity capital to assets | 12.7154% | 1,042 |
| Core capital (leverage) ratio | 12.1916% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $739,803,333 | 1,242 |
| Average earning assets | $713,747,000 | 1,208 |
| Average equity | $95,663,667 | 1,059 |
| Average total loans | $387,704,333 | 1,447 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 3,684 |
| Cost of funding earning assets | 0.3020% | 2,974 |
| Net interest margin | 2.9014% | 3,519 |
| Noninterest income to average assets | 0.2642% | 3,816 |
| Noninterest expense to average assets | 1.5656% | 4,582 |
| Loan and lease loss provision to assets | 0.0193% | 2,529 |
| Net operating income to assets | 1.1753% | 2,250 |
| Return on assets (ROA) | 1.1753% | 2,317 |
| Pretax return on assets | 1.4720% | 2,070 |
| Return on Equity (ROE) | 9.0097% | 3,037 |
| Retained earnings to average equity (ytd only) | 9.0097% | 1,952 |
| Net charge-offs to loans | -0.0161% | 3,888 |
| Credit loss provision to net charge-offs | -218.7500% | 2,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2156% | 4,072 |
| Assets per employee ($millions) | 9.5622% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.3898% | 3,301 |
| Net loans and leases to deposits | 61.5075% | 3,368 |
| Net loans and leases to core deposits | 83.7360% | 1,698 |
| Total domestic deposits to total assets | 86.8022% | 2,390 |
| Equity capital to assets | 12.9350% | 931 |
| Core capital (leverage) ratio | 12.3146% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $726,634,500 | 1,248 |
| Average earning assets | $699,386,500 | 1,216 |
| Average equity | $94,786,500 | 1,056 |
| Average total loans | $396,545,500 | 1,426 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 3,923 |
| Cost of funding earning assets | 0.5804% | 2,445 |
| Net interest margin | 2.9689% | 3,965 |
| Noninterest income to average assets | 0.3044% | 3,653 |
| Noninterest expense to average assets | 1.5964% | 4,706 |
| Loan and lease loss provision to assets | 0.1648% | 2,315 |
| Net operating income to assets | 1.1567% | 1,699 |
| Return on assets (ROA) | 1.1567% | 1,822 |
| Pretax return on assets | 1.3864% | 1,699 |
| Return on Equity (ROE) | 8.8865% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.5541% | 2,022 |
| Net charge-offs to loans | 0.0184% | 2,713 |
| Credit loss provision to net charge-offs | 1,583.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 578 |
| Efficiency ratio | 50.7189% | 4,486 |
| Assets per employee ($millions) | 9.1921% | 692 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 4,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.0290% | 3,387 |
| Net loans and leases to deposits | 63.5822% | 3,471 |
| Net loans and leases to core deposits | 87.6134% | 1,731 |
| Total domestic deposits to total assets | 86.5479% | 2,122 |
| Equity capital to assets | 13.1573% | 1,040 |
| Core capital (leverage) ratio | 12.4494% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,598,200 | 1,197 |
| Average earning assets | $662,335,000 | 1,163 |
| Average equity | $90,024,200 | 1,056 |
| Average total loans | $391,370,800 | 1,392 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 4,043 |
| Cost of funding earning assets | 0.6463% | 2,342 |
| Net interest margin | 2.9409% | 4,107 |
| Noninterest income to average assets | 0.3150% | 3,605 |
| Noninterest expense to average assets | 1.6346% | 4,699 |
| Loan and lease loss provision to assets | 0.1926% | 2,056 |
| Net operating income to assets | 1.0878% | 2,023 |
| Return on assets (ROA) | 1.0878% | 2,155 |
| Pretax return on assets | 1.3062% | 2,021 |
| Return on Equity (ROE) | 8.3809% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.3809% | 1,180 |
| Net charge-offs to loans | 0.0215% | 2,423 |
| Credit loss provision to net charge-offs | 1,571.4286% | 596 |
| Earnings coverage of net charge-offs (x) | 122.2698% | 687 |
| Efficiency ratio | 52.1672% | 4,331 |
| Assets per employee ($millions) | 8.8481% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.7440% | 3,548 |
| Net loans and leases to deposits | 66.1566% | 3,605 |
| Net loans and leases to core deposits | 89.8885% | 1,984 |
| Total domestic deposits to total assets | 85.7722% | 2,157 |
| Equity capital to assets | 13.7175% | 937 |
| Core capital (leverage) ratio | 12.6579% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,252,750 | 1,180 |
| Average earning assets | $656,692,250 | 1,150 |
| Average equity | $88,946,500 | 1,057 |
| Average total loans | $389,903,000 | 1,387 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 3,893 |
| Cost of funding earning assets | 0.7403% | 2,177 |
| Net interest margin | 3.0462% | 4,028 |
| Noninterest income to average assets | 0.2788% | 3,803 |
| Noninterest expense to average assets | 1.6822% | 4,702 |
| Loan and lease loss provision to assets | 0.2896% | 1,481 |
| Net operating income to assets | 1.0184% | 2,259 |
| Return on assets (ROA) | 1.0184% | 2,386 |
| Pretax return on assets | 1.2214% | 2,289 |
| Return on Equity (ROE) | 7.9988% | 2,749 |
| Retained earnings to average equity (ytd only) | 7.9988% | 1,307 |
| Net charge-offs to loans | 0.0134% | 2,487 |
| Credit loss provision to net charge-offs | 3,807.6923% | 282 |
| Earnings coverage of net charge-offs (x) | 198.6538% | 456 |
| Efficiency ratio | 52.6798% | 4,305 |
| Assets per employee ($millions) | 8.8406% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.8836% | 3,697 |
| Net loans and leases to deposits | 64.5253% | 3,842 |
| Net loans and leases to core deposits | 87.9629% | 2,247 |
| Total domestic deposits to total assets | 86.6073% | 1,771 |
| Equity capital to assets | 13.0125% | 1,157 |
| Core capital (leverage) ratio | 12.2755% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,620,667 | 1,168 |
| Average earning assets | $654,060,667 | 1,132 |
| Average equity | $87,038,333 | 1,065 |
| Average total loans | $388,480,000 | 1,362 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,252 |
| Cost of funding earning assets | 0.8613% | 2,052 |
| Net interest margin | 2.9302% | 4,384 |
| Noninterest income to average assets | 0.3001% | 3,713 |
| Noninterest expense to average assets | 1.7088% | 4,770 |
| Loan and lease loss provision to assets | 0.1072% | 2,338 |
| Net operating income to assets | 1.0670% | 1,944 |
| Return on assets (ROA) | 1.0670% | 2,047 |
| Pretax return on assets | 1.2855% | 1,913 |
| Return on Equity (ROE) | 8.4786% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.4786% | 1,103 |
| Net charge-offs to loans | 0.0031% | 2,479 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 779.6667% | 75 |
| Efficiency ratio | 55.0969% | 4,296 |
| Assets per employee ($millions) | 8.6243% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4661% | 4,902 |
| Loan loss allowance to noncurrent loans | 10,611.7647% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,638 |
| Noncurrent loans to loans | 0.0044% | 4,561 |
| Net loans and leases to total assets | 56.5398% | 3,793 |
| Net loans and leases to deposits | 64.6415% | 3,943 |
| Net loans and leases to core deposits | 87.4709% | 2,567 |
| Total domestic deposits to total assets | 87.4666% | 1,351 |
| Equity capital to assets | 12.3261% | 1,846 |
| Core capital (leverage) ratio | 12.5442% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,808,500 | 1,154 |
| Average earning assets | $642,287,000 | 1,124 |
| Average equity | $84,542,500 | 1,093 |
| Average total loans | $383,807,500 | 1,346 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 4,228 |
| Cost of funding earning assets | 0.9216% | 2,107 |
| Net interest margin | 3.0927% | 4,378 |
| Noninterest income to average assets | 0.3212% | 3,765 |
| Noninterest expense to average assets | 1.7533% | 4,823 |
| Loan and lease loss provision to assets | 0.0418% | 3,176 |
| Net operating income to assets | 1.2331% | 1,933 |
| Return on assets (ROA) | 1.2331% | 2,023 |
| Pretax return on assets | 1.4866% | 1,845 |
| Return on Equity (ROE) | 9.6083% | 2,472 |
| Retained earnings to average equity (ytd only) | 5.9199% | 1,909 |
| Net charge-offs to loans | -0.0011% | 4,177 |
| Credit loss provision to net charge-offs | -6,625.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4256% | 4,482 |
| Assets per employee ($millions) | 8.1765% | 668 |
| Cash dividends to net income (ytd only)* | 38.3877% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4275% | 4,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.2201% | 3,829 |
| Net loans and leases to deposits | 65.7955% | 3,967 |
| Net loans and leases to core deposits | 90.1116% | 2,415 |
| Total domestic deposits to total assets | 86.9666% | 1,625 |
| Equity capital to assets | 12.8499% | 1,613 |
| Core capital (leverage) ratio | 12.5030% | 1,487 |
| Tier 1 risk-based capital ratio | 17.4372% | 1,914 |
| Total risk-based capital ratio | 17.7867% | 2,147 |
| Memoranda: | ||
| Average total assets | $633,789,200 | 1,176 |
| Average earning assets | $606,688,600 | 1,133 |
| Average equity | $81,336,000 | 1,076 |
| Average total loans | $364,671,400 | 1,371 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 4,273 |
| Cost of funding earning assets | 0.9235% | 2,123 |
| Net interest margin | 3.1205% | 4,443 |
| Noninterest income to average assets | 0.3257% | 3,796 |
| Noninterest expense to average assets | 1.7836% | 4,838 |
| Loan and lease loss provision to assets | 0.0564% | 2,773 |
| Net operating income to assets | 1.2338% | 2,085 |
| Return on assets (ROA) | 1.2338% | 2,160 |
| Pretax return on assets | 1.4730% | 2,036 |
| Return on Equity (ROE) | 9.6174% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.6174% | 862 |
| Net charge-offs to loans | 0.0144% | 2,872 |
| Credit loss provision to net charge-offs | 679.4872% | 492 |
| Earnings coverage of net charge-offs (x) | 184.3031% | 466 |
| Efficiency ratio | 53.8373% | 4,414 |
| Assets per employee ($millions) | 7.7031% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4227% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.0790% | 3,760 |
| Net loans and leases to deposits | 68.6631% | 3,869 |
| Net loans and leases to core deposits | 92.7285% | 2,294 |
| Total domestic deposits to total assets | 86.0418% | 1,983 |
| Equity capital to assets | 13.5717% | 1,330 |
| Core capital (leverage) ratio | 13.2425% | 1,237 |
| Tier 1 risk-based capital ratio | 17.9647% | 1,832 |
| Total risk-based capital ratio | 18.3110% | 2,017 |
| Memoranda: | ||
| Average total assets | $626,661,500 | 1,187 |
| Average earning assets | $599,893,750 | 1,145 |
| Average equity | $80,393,750 | 1,078 |
| Average total loans | $360,690,250 | 1,392 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 4,323 |
| Cost of funding earning assets | 0.8972% | 2,160 |
| Net interest margin | 3.1298% | 4,485 |
| Noninterest income to average assets | 0.3178% | 3,804 |
| Noninterest expense to average assets | 1.8019% | 4,875 |
| Loan and lease loss provision to assets | 0.0848% | 2,146 |
| Net operating income to assets | 1.1782% | 2,230 |
| Return on assets (ROA) | 1.1782% | 2,304 |
| Pretax return on assets | 1.4214% | 2,141 |
| Return on Equity (ROE) | 9.3670% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.3670% | 943 |
| Net charge-offs to loans | 0.0180% | 2,514 |
| Credit loss provision to net charge-offs | 828.1250% | 414 |
| Earnings coverage of net charge-offs (x) | 147.0938% | 507 |
| Efficiency ratio | 54.4689% | 4,417 |
| Assets per employee ($millions) | 7.7061% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 5,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.5589% | 3,859 |
| Net loans and leases to deposits | 67.7240% | 3,986 |
| Net loans and leases to core deposits | 91.4282% | 2,469 |
| Total domestic deposits to total assets | 86.4670% | 1,833 |
| Equity capital to assets | 13.2557% | 1,466 |
| Core capital (leverage) ratio | 12.9037% | 1,351 |
| Tier 1 risk-based capital ratio | 17.5840% | 1,913 |
| Total risk-based capital ratio | 17.9334% | 2,131 |
| Memoranda: | ||
| Average total assets | $624,998,330 | 1,185 |
| Average earning assets | $597,161,670 | 1,143 |
| Average equity | $78,616,330 | 1,098 |
| Average total loans | $356,001,330 | 1,414 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 4,365 |
| Cost of funding earning assets | 0.8502% | 2,271 |
| Net interest margin | 3.1508% | 4,497 |
| Noninterest income to average assets | 0.3166% | 3,741 |
| Noninterest expense to average assets | 1.8094% | 4,909 |
| Loan and lease loss provision to assets | 0.0799% | 2,094 |
| Net operating income to assets | 1.1948% | 2,077 |
| Return on assets (ROA) | 1.1948% | 2,125 |
| Pretax return on assets | 1.4327% | 1,981 |
| Return on Equity (ROE) | 9.7604% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.7604% | 1,093 |
| Net charge-offs to loans | 0.0023% | 2,674 |
| Credit loss provision to net charge-offs | 6,250.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,182.5000% | 41 |
| Efficiency ratio | 54.4667% | 4,491 |
| Assets per employee ($millions) | 7.5785% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4054% | 5,169 |
| Loan loss allowance to noncurrent loans | 8,227.7778% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,882 |
| Noncurrent loans to loans | 0.0049% | 4,782 |
| Net loans and leases to total assets | 57.8431% | 3,905 |
| Net loans and leases to deposits | 66.2670% | 4,035 |
| Net loans and leases to core deposits | 89.0000% | 2,598 |
| Total domestic deposits to total assets | 87.2879% | 1,670 |
| Equity capital to assets | 12.4579% | 1,759 |
| Core capital (leverage) ratio | 12.4313% | 1,547 |
| Tier 1 risk-based capital ratio | 17.0429% | 2,094 |
| Total risk-based capital ratio | 17.3656% | 2,340 |
| Memoranda: | ||
| Average total assets | $625,401,500 | 1,186 |
| Average earning assets | $596,539,000 | 1,154 |
| Average equity | $76,554,000 | 1,121 |
| Average total loans | $350,446,500 | 1,433 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,218 |
| Cost of funding earning assets | 0.6164% | 2,609 |
| Net interest margin | 3.3110% | 4,221 |
| Noninterest income to average assets | 0.3190% | 3,979 |
| Noninterest expense to average assets | 1.7656% | 5,035 |
| Loan and lease loss provision to assets | 0.0787% | 2,555 |
| Net operating income to assets | 1.3568% | 1,590 |
| Return on assets (ROA) | 1.3592% | 1,562 |
| Pretax return on assets | 1.6370% | 1,355 |
| Return on Equity (ROE) | 13.2503% | 1,250 |
| Retained earnings to average equity (ytd only) | 8.4529% | 1,065 |
| Net charge-offs to loans | 0.0035% | 3,610 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 870.2500% | 123 |
| Efficiency ratio | 50.7568% | 4,889 |
| Assets per employee ($millions) | 7.6764% | 746 |
| Cash dividends to net income (ytd only)* | 36.2056% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4047% | 5,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.7502% | 4,299 |
| Net loans and leases to deposits | 61.1865% | 4,418 |
| Net loans and leases to core deposits | 81.9346% | 3,266 |
| Total domestic deposits to total assets | 87.8465% | 1,373 |
| Equity capital to assets | 12.0211% | 1,882 |
| Core capital (leverage) ratio | 12.4583% | 1,477 |
| Tier 1 risk-based capital ratio | 17.6709% | 1,854 |
| Total risk-based capital ratio | 17.9851% | 2,102 |
| Memoranda: | ||
| Average total assets | $609,645,000 | 1,184 |
| Average earning assets | $581,755,200 | 1,151 |
| Average equity | $62,534,400 | 1,276 |
| Average total loans | $346,176,400 | 1,419 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,110 |
| Cost of funding earning assets | 0.5728% | 2,682 |
| Net interest margin | 3.3660% | 4,115 |
| Noninterest income to average assets | 0.3145% | 4,050 |
| Noninterest expense to average assets | 1.7902% | 5,047 |
| Loan and lease loss provision to assets | 0.1055% | 1,902 |
| Net operating income to assets | 1.3592% | 1,624 |
| Return on assets (ROA) | 1.3623% | 1,616 |
| Pretax return on assets | 1.6348% | 1,467 |
| Return on Equity (ROE) | 13.8930% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.8930% | 262 |
| Net charge-offs to loans | 0.0015% | 3,446 |
| Credit loss provision to net charge-offs | 12,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,976.4353% | 30 |
| Efficiency ratio | 50.7603% | 4,902 |
| Assets per employee ($millions) | 7.5353% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3808% | 5,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 59.2845% | 3,922 |
| Net loans and leases to deposits | 68.7257% | 4,008 |
| Net loans and leases to core deposits | 92.1919% | 2,460 |
| Total domestic deposits to total assets | 86.2625% | 2,074 |
| Equity capital to assets | 10.1255% | 3,515 |
| Core capital (leverage) ratio | 10.5999% | 2,982 |
| Tier 1 risk-based capital ratio | 14.2024% | 3,271 |
| Total risk-based capital ratio | 14.5042% | 3,670 |
| Memoranda: | ||
| Average total assets | $606,609,000 | 1,193 |
| Average earning assets | $578,916,750 | 1,163 |
| Average equity | $59,481,500 | 1,333 |
| Average total loans | $348,827,750 | 1,410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,053 |
| Cost of funding earning assets | 0.5165% | 2,885 |
| Net interest margin | 3.3924% | 3,976 |
| Noninterest income to average assets | 0.3063% | 4,124 |
| Noninterest expense to average assets | 1.7866% | 5,114 |
| Loan and lease loss provision to assets | 0.1579% | 1,189 |
| Net operating income to assets | 1.3266% | 1,677 |
| Return on assets (ROA) | 1.3312% | 1,664 |
| Pretax return on assets | 1.6023% | 1,495 |
| Return on Equity (ROE) | 13.7240% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.7240% | 304 |
| Net charge-offs to loans | 0.0006% | 3,198 |
| Credit loss provision to net charge-offs | 48,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 5,333.0000% | 10 |
| Efficiency ratio | 50.4506% | 5,001 |
| Assets per employee ($millions) | 7.6160% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3847% | 5,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.1849% | 3,976 |
| Net loans and leases to deposits | 67.0064% | 4,099 |
| Net loans and leases to core deposits | 89.2082% | 2,630 |
| Total domestic deposits to total assets | 86.8348% | 1,915 |
| Equity capital to assets | 9.8218% | 3,801 |
| Core capital (leverage) ratio | 10.2240% | 3,334 |
| Tier 1 risk-based capital ratio | 13.7066% | 3,506 |
| Total risk-based capital ratio | 14.0087% | 3,937 |
| Memoranda: | ||
| Average total assets | $607,870,670 | 1,192 |
| Average earning assets | $579,653,330 | 1,162 |
| Average equity | $58,962,330 | 1,345 |
| Average total loans | $345,521,330 | 1,424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 4,095 |
| Cost of funding earning assets | 0.4804% | 2,956 |
| Net interest margin | 3.3662% | 4,001 |
| Noninterest income to average assets | 0.3024% | 4,137 |
| Noninterest expense to average assets | 1.7748% | 5,177 |
| Loan and lease loss provision to assets | 0.0791% | 2,196 |
| Net operating income to assets | 1.3952% | 1,359 |
| Return on assets (ROA) | 1.4046% | 1,333 |
| Pretax return on assets | 1.6727% | 1,183 |
| Return on Equity (ROE) | 14.5722% | 883 |
| Retained earnings to average equity (ytd only) | 14.5722% | 355 |
| Net charge-offs to loans | 0.0012% | 2,695 |
| Credit loss provision to net charge-offs | 12,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 2,642.0000% | 19 |
| Efficiency ratio | 50.4873% | 5,059 |
| Assets per employee ($millions) | 7.4152% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2927% | 5,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 57.2283% | 4,012 |
| Net loans and leases to deposits | 63.5407% | 4,235 |
| Net loans and leases to core deposits | 84.2096% | 2,960 |
| Total domestic deposits to total assets | 90.0656% | 635 |
| Equity capital to assets | 9.6609% | 3,929 |
| Core capital (leverage) ratio | 9.8434% | 3,717 |
| Tier 1 risk-based capital ratio | 13.5922% | 3,604 |
| Total risk-based capital ratio | 13.8199% | 4,101 |
| Memoranda: | ||
| Average total assets | $607,166,000 | 1,204 |
| Average earning assets | $579,524,000 | 1,170 |
| Average equity | $58,522,500 | 1,360 |
| Average total loans | $340,343,000 | 1,449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,244 |
| Cost of funding earning assets | 0.3759% | 3,459 |
| Net interest margin | 3.3642% | 3,955 |
| Noninterest income to average assets | 0.3410% | 4,031 |
| Noninterest expense to average assets | 1.8758% | 5,146 |
| Loan and lease loss provision to assets | 0.0307% | 3,662 |
| Net operating income to assets | 1.2569% | 1,337 |
| Return on assets (ROA) | 1.2569% | 1,363 |
| Pretax return on assets | 1.6385% | 1,196 |
| Return on Equity (ROE) | 12.8234% | 991 |
| Retained earnings to average equity (ytd only) | 8.4794% | 625 |
| Net charge-offs to loans | 0.0080% | 3,797 |
| Credit loss provision to net charge-offs | 720.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 392.0400% | 222 |
| Efficiency ratio | 52.9138% | 5,047 |
| Assets per employee ($millions) | 7.6713% | 710 |
| Cash dividends to net income (ytd only)* | 33.8753% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2649% | 5,564 |
| Loan loss allowance to noncurrent loans | 2,342.1053% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,157 |
| Noncurrent loans to loans | 0.0113% | 4,984 |
| Net loans and leases to total assets | 54.5960% | 4,306 |
| Net loans and leases to deposits | 62.7357% | 4,388 |
| Net loans and leases to core deposits | 82.3199% | 3,221 |
| Total domestic deposits to total assets | 87.0253% | 1,984 |
| Equity capital to assets | 9.6169% | 4,129 |
| Core capital (leverage) ratio | 9.6185% | 3,901 |
| Tier 1 risk-based capital ratio | 13.6253% | 3,559 |
| Total risk-based capital ratio | 13.8340% | 4,048 |
| Memoranda: | ||
| Average total assets | $587,171,600 | 1,222 |
| Average earning assets | $559,206,800 | 1,189 |
| Average equity | $57,551,200 | 1,367 |
| Average total loans | $313,398,000 | 1,514 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,241 |
| Cost of funding earning assets | 0.3426% | 3,742 |
| Net interest margin | 3.3867% | 3,896 |
| Noninterest income to average assets | 0.3438% | 4,080 |
| Noninterest expense to average assets | 1.9078% | 5,121 |
| Loan and lease loss provision to assets | 0.0310% | 3,496 |
| Net operating income to assets | 1.2028% | 1,681 |
| Return on assets (ROA) | 1.2028% | 1,715 |
| Pretax return on assets | 1.6315% | 1,309 |
| Return on Equity (ROE) | 12.2105% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.2105% | 278 |
| Net charge-offs to loans | 0.0061% | 3,515 |
| Credit loss provision to net charge-offs | 964.2857% | 366 |
| Earnings coverage of net charge-offs (x) | 516.9663% | 198 |
| Efficiency ratio | 53.4350% | 4,975 |
| Assets per employee ($millions) | 7.4239% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2678% | 5,632 |
| Loan loss allowance to noncurrent loans | 8,560.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,271 |
| Noncurrent loans to loans | 0.0031% | 5,144 |
| Net loans and leases to total assets | 53.0076% | 4,493 |
| Net loans and leases to deposits | 63.0964% | 4,438 |
| Net loans and leases to core deposits | 83.9312% | 3,131 |
| Total domestic deposits to total assets | 84.0104% | 3,119 |
| Equity capital to assets | 10.1330% | 3,763 |
| Core capital (leverage) ratio | 9.8735% | 3,726 |
| Tier 1 risk-based capital ratio | 14.1580% | 3,374 |
| Total risk-based capital ratio | 14.3654% | 3,837 |
| Memoranda: | ||
| Average total assets | $580,538,750 | 1,240 |
| Average earning assets | $553,084,750 | 1,206 |
| Average equity | $57,184,250 | 1,388 |
| Average total loans | $307,760,750 | 1,543 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,233 |
| Cost of funding earning assets | 0.3097% | 3,977 |
| Net interest margin | 3.3890% | 3,808 |
| Noninterest income to average assets | 0.3469% | 4,069 |
| Noninterest expense to average assets | 1.9302% | 5,123 |
| Loan and lease loss provision to assets | 0.0314% | 3,369 |
| Net operating income to assets | 1.1945% | 1,615 |
| Return on assets (ROA) | 1.1945% | 1,648 |
| Pretax return on assets | 1.6091% | 1,313 |
| Return on Equity (ROE) | 12.2500% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.2500% | 298 |
| Net charge-offs to loans | 0.0105% | 3,084 |
| Credit loss provision to net charge-offs | 562.5000% | 595 |
| Earnings coverage of net charge-offs (x) | 294.0625% | 283 |
| Efficiency ratio | 54.0572% | 5,013 |
| Assets per employee ($millions) | 7.1656% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2609% | 5,683 |
| Loan loss allowance to noncurrent loans | 8,988.8889% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,323 |
| Noncurrent loans to loans | 0.0029% | 5,193 |
| Net loans and leases to total assets | 52.6314% | 4,513 |
| Net loans and leases to deposits | 59.7657% | 4,650 |
| Net loans and leases to core deposits | 79.1673% | 3,491 |
| Total domestic deposits to total assets | 88.0629% | 1,426 |
| Equity capital to assets | 10.0938% | 3,804 |
| Core capital (leverage) ratio | 9.7815% | 3,801 |
| Tier 1 risk-based capital ratio | 14.1603% | 3,334 |
| Total risk-based capital ratio | 14.3626% | 3,846 |
| Memoranda: | ||
| Average total assets | $573,606,670 | 1,261 |
| Average earning assets | $545,640,000 | 1,223 |
| Average equity | $55,934,670 | 1,415 |
| Average total loans | $303,811,330 | 1,557 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,193 |
| Cost of funding earning assets | 0.2930% | 4,116 |
| Net interest margin | 3.3799% | 3,713 |
| Noninterest income to average assets | 0.3396% | 4,128 |
| Noninterest expense to average assets | 1.9618% | 5,125 |
| Loan and lease loss provision to assets | 0.0318% | 3,147 |
| Net operating income to assets | 1.1570% | 1,639 |
| Return on assets (ROA) | 1.1570% | 1,677 |
| Pretax return on assets | 1.5545% | 1,365 |
| Return on Equity (ROE) | 12.0853% | 1,211 |
| Retained earnings to average equity (ytd only) | 12.0853% | 465 |
| Net charge-offs to loans | 0.0053% | 2,789 |
| Credit loss provision to net charge-offs | 1,125.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 561.7500% | 98 |
| Efficiency ratio | 55.2925% | 5,011 |
| Assets per employee ($millions) | 6.9790% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2556% | 5,758 |
| Loan loss allowance to noncurrent loans | 4,084.2105% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,228 |
| Noncurrent loans to loans | 0.0063% | 5,235 |
| Net loans and leases to total assets | 52.9255% | 4,435 |
| Net loans and leases to deposits | 59.0515% | 4,627 |
| Net loans and leases to core deposits | 75.0976% | 3,733 |
| Total domestic deposits to total assets | 89.6261% | 843 |
| Equity capital to assets | 9.6814% | 4,086 |
| Core capital (leverage) ratio | 9.6473% | 3,933 |
| Tier 1 risk-based capital ratio | 14.0461% | 3,443 |
| Total risk-based capital ratio | 14.2449% | 3,983 |
| Memoranda: | ||
| Average total assets | $566,619,500 | 1,270 |
| Average earning assets | $537,881,000 | 1,238 |
| Average equity | $54,247,500 | 1,436 |
| Average total loans | $300,686,500 | 1,578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,423 |
| Cost of funding earning assets | 0.2543% | 4,529 |
| Net interest margin | 3.3797% | 3,895 |
| Noninterest income to average assets | 0.3943% | 3,937 |
| Noninterest expense to average assets | 1.9956% | 5,203 |
| Loan and lease loss provision to assets | 0.0146% | 4,084 |
| Net operating income to assets | 1.1706% | 1,604 |
| Return on assets (ROA) | 1.1935% | 1,622 |
| Pretax return on assets | 1.6164% | 1,227 |
| Return on Equity (ROE) | 11.3798% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.8647% | 1,283 |
| Net charge-offs to loans | 0.0073% | 4,012 |
| Credit loss provision to net charge-offs | 385.0000% | 818 |
| Earnings coverage of net charge-offs (x) | 422.4000% | 192 |
| Efficiency ratio | 55.4994% | 5,108 |
| Assets per employee ($millions) | 6.8410% | 989 |
| Cash dividends to net income (ytd only)* | 39.6762% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2469% | 5,820 |
| Loan loss allowance to noncurrent loans | 3,195.6522% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,422 |
| Noncurrent loans to loans | 0.0077% | 5,270 |
| Net loans and leases to total assets | 52.9415% | 4,534 |
| Net loans and leases to deposits | 65.3821% | 4,300 |
| Net loans and leases to core deposits | 74.4695% | 3,883 |
| Total domestic deposits to total assets | 80.9724% | 4,341 |
| Equity capital to assets | 9.4641% | 4,307 |
| Core capital (leverage) ratio | 9.7738% | 3,778 |
| Tier 1 risk-based capital ratio | 13.5628% | 3,734 |
| Total risk-based capital ratio | 13.7502% | 4,267 |
| Memoranda: | ||
| Average total assets | $527,964,400 | 1,303 |
| Average earning assets | $500,103,400 | 1,275 |
| Average equity | $55,370,000 | 1,386 |
| Average total loans | $275,724,400 | 1,637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,453 |
| Cost of funding earning assets | 0.2455% | 4,643 |
| Net interest margin | 3.3879% | 3,896 |
| Noninterest income to average assets | 0.4041% | 3,894 |
| Noninterest expense to average assets | 2.0347% | 5,138 |
| Loan and lease loss provision to assets | 0.0131% | 3,989 |
| Net operating income to assets | 1.1589% | 1,772 |
| Return on assets (ROA) | 1.1899% | 1,767 |
| Pretax return on assets | 1.6090% | 1,358 |
| Return on Equity (ROE) | 11.0544% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.0544% | 421 |
| Net charge-offs to loans | 0.0030% | 3,831 |
| Credit loss provision to net charge-offs | 850.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 1,026.6413% | 76 |
| Efficiency ratio | 56.2842% | 5,033 |
| Assets per employee ($millions) | 6.5976% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2566% | 5,873 |
| Loan loss allowance to noncurrent loans | 3,012.5000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,273 |
| Noncurrent loans to loans | 0.0085% | 5,376 |
| Net loans and leases to total assets | 52.5915% | 4,606 |
| Net loans and leases to deposits | 64.1813% | 4,475 |
| Net loans and leases to core deposits | 73.2176% | 4,063 |
| Total domestic deposits to total assets | 81.9421% | 3,950 |
| Equity capital to assets | 10.9946% | 3,015 |
| Core capital (leverage) ratio | 10.3322% | 3,185 |
| Tier 1 risk-based capital ratio | 14.7118% | 3,185 |
| Total risk-based capital ratio | 14.9086% | 3,676 |
| Memoranda: | ||
| Average total assets | $519,715,750 | 1,324 |
| Average earning assets | $492,568,500 | 1,289 |
| Average equity | $55,940,000 | 1,380 |
| Average total loans | $270,226,750 | 1,669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 4,510 |
| Cost of funding earning assets | 0.2353% | 4,799 |
| Net interest margin | 3.3935% | 3,922 |
| Noninterest income to average assets | 0.3799% | 4,024 |
| Noninterest expense to average assets | 2.0310% | 5,208 |
| Loan and lease loss provision to assets | 0.0101% | 3,892 |
| Net operating income to assets | 1.1349% | 1,825 |
| Return on assets (ROA) | 1.1783% | 1,769 |
| Pretax return on assets | 1.6087% | 1,350 |
| Return on Equity (ROE) | 11.0288% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.0288% | 437 |
| Net charge-offs to loans | 0.0015% | 3,655 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 2,007.0000% | 21 |
| Efficiency ratio | 56.5678% | 5,071 |
| Assets per employee ($millions) | 6.0643% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2564% | 5,955 |
| Loan loss allowance to noncurrent loans | 87.7500% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 4,897 |
| Noncurrent loans to loans | 0.2922% | 4,323 |
| Net loans and leases to total assets | 52.3540% | 4,636 |
| Net loans and leases to deposits | 60.7851% | 4,750 |
| Net loans and leases to core deposits | 69.8565% | 4,336 |
| Total domestic deposits to total assets | 86.1297% | 2,359 |
| Equity capital to assets | 10.9879% | 3,071 |
| Core capital (leverage) ratio | 10.4149% | 3,061 |
| Tier 1 risk-based capital ratio | 14.7124% | 3,200 |
| Total risk-based capital ratio | 14.9094% | 3,721 |
| Memoranda: | ||
| Average total assets | $514,818,330 | 1,344 |
| Average earning assets | $487,052,000 | 1,311 |
| Average equity | $55,001,330 | 1,409 |
| Average total loans | $266,377,000 | 1,686 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,454 |
| Cost of funding earning assets | 0.2215% | 4,982 |
| Net interest margin | 3.4353% | 3,739 |
| Noninterest income to average assets | 0.3770% | 4,012 |
| Noninterest expense to average assets | 2.0295% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1317% | 1,783 |
| Return on assets (ROA) | 1.1317% | 1,892 |
| Pretax return on assets | 1.5860% | 1,335 |
| Return on Equity (ROE) | 10.7485% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.7485% | 704 |
| Net charge-offs to loans | 0.0061% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 109 |
| Efficiency ratio | 56.1324% | 5,180 |
| Assets per employee ($millions) | 5.9937% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2550% | 6,023 |
| Loan loss allowance to noncurrent loans | 85.4246% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 4,947 |
| Noncurrent loans to loans | 0.2985% | 4,362 |
| Net loans and leases to total assets | 52.3701% | 4,601 |
| Net loans and leases to deposits | 59.3057% | 4,762 |
| Net loans and leases to core deposits | 65.5101% | 4,571 |
| Total domestic deposits to total assets | 88.3054% | 1,465 |
| Equity capital to assets | 10.9077% | 3,037 |
| Core capital (leverage) ratio | 10.0639% | 3,454 |
| Tier 1 risk-based capital ratio | 14.9137% | 3,198 |
| Total risk-based capital ratio | 15.1113% | 3,715 |
| Memoranda: | ||
| Average total assets | $511,462,500 | 1,349 |
| Average earning assets | $482,167,000 | 1,319 |
| Average equity | $53,849,500 | 1,433 |
| Average total loans | $262,693,500 | 1,708 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 4,870 |
| Cost of funding earning assets | 0.2758% | 4,523 |
| Net interest margin | 3.2430% | 4,495 |
| Noninterest income to average assets | 0.4592% | 3,595 |
| Noninterest expense to average assets | 1.9194% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1754% | 1,652 |
| Return on assets (ROA) | 1.1804% | 1,697 |
| Pretax return on assets | 1.6353% | 1,150 |
| Return on Equity (ROE) | 11.7274% | 1,374 |
| Retained earnings to average equity (ytd only) | 6.8949% | 1,324 |
| Net charge-offs to loans | 0.0340% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 97.3140% | 586 |
| Efficiency ratio | 54.1022% | 5,515 |
| Assets per employee ($millions) | 6.2585% | 1,227 |
| Cash dividends to net income (ytd only)* | 41.2065% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2597% | 6,076 |
| Loan loss allowance to noncurrent loans | 1,832.4324% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,683 |
| Noncurrent loans to loans | 0.0142% | 5,475 |
| Net loans and leases to total assets | 50.1231% | 4,857 |
| Net loans and leases to deposits | 56.1930% | 5,031 |
| Net loans and leases to core deposits | 62.1474% | 4,869 |
| Total domestic deposits to total assets | 89.1981% | 1,023 |
| Equity capital to assets | 10.1611% | 3,793 |
| Core capital (leverage) ratio | 9.7387% | 3,848 |
| Tier 1 risk-based capital ratio | 14.6425% | 3,357 |
| Total risk-based capital ratio | 14.8434% | 3,888 |
| Memoranda: | ||
| Average total assets | $513,960,400 | 1,305 |
| Average earning assets | $489,481,200 | 1,276 |
| Average equity | $51,733,600 | 1,435 |
| Average total loans | $253,174,800 | 1,710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 5,066 |
| Cost of funding earning assets | 0.2892% | 4,457 |
| Net interest margin | 3.1760% | 4,756 |
| Noninterest income to average assets | 0.4830% | 3,485 |
| Noninterest expense to average assets | 1.8803% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1781% | 1,722 |
| Return on assets (ROA) | 1.1848% | 1,768 |
| Pretax return on assets | 1.6514% | 1,234 |
| Return on Equity (ROE) | 11.7991% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.7991% | 393 |
| Net charge-offs to loans | 0.0234% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 143.4655% | 477 |
| Efficiency ratio | 53.3821% | 5,561 |
| Assets per employee ($millions) | 5.8562% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2725% | 6,153 |
| Loan loss allowance to noncurrent loans | 222.2222% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,508 |
| Noncurrent loans to loans | 0.1226% | 5,139 |
| Net loans and leases to total assets | 52.9379% | 4,668 |
| Net loans and leases to deposits | 60.1086% | 4,850 |
| Net loans and leases to core deposits | 66.7783% | 4,637 |
| Total domestic deposits to total assets | 88.0703% | 1,519 |
| Equity capital to assets | 10.7904% | 3,251 |
| Core capital (leverage) ratio | 9.9913% | 3,644 |
| Tier 1 risk-based capital ratio | 15.6159% | 2,991 |
| Total risk-based capital ratio | 15.8388% | 3,429 |
| Memoranda: | ||
| Average total assets | $512,587,250 | 1,317 |
| Average earning assets | $490,546,750 | 1,282 |
| Average equity | $51,471,500 | 1,446 |
| Average total loans | $251,207,500 | 1,727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 5,239 |
| Cost of funding earning assets | 0.2918% | 4,485 |
| Net interest margin | 3.1037% | 4,964 |
| Noninterest income to average assets | 0.4595% | 3,636 |
| Noninterest expense to average assets | 1.8407% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1474% | 1,791 |
| Return on assets (ROA) | 1.1574% | 1,821 |
| Pretax return on assets | 1.6042% | 1,314 |
| Return on Equity (ROE) | 11.8088% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.8088% | 414 |
| Net charge-offs to loans | -0.0016% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6495% | 5,613 |
| Assets per employee ($millions) | 5.9349% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2959% | 6,215 |
| Loan loss allowance to noncurrent loans | 589.2308% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,788 |
| Noncurrent loans to loans | 0.0502% | 5,545 |
| Net loans and leases to total assets | 51.1568% | 4,832 |
| Net loans and leases to deposits | 57.6842% | 5,016 |
| Net loans and leases to core deposits | 63.9805% | 4,808 |
| Total domestic deposits to total assets | 88.6841% | 1,308 |
| Equity capital to assets | 10.2454% | 3,756 |
| Core capital (leverage) ratio | 9.5310% | 4,243 |
| Tier 1 risk-based capital ratio | 15.6451% | 3,031 |
| Total risk-based capital ratio | 15.8903% | 3,486 |
| Memoranda: | ||
| Average total assets | $517,524,330 | 1,317 |
| Average earning assets | $495,472,670 | 1,272 |
| Average equity | $50,724,670 | 1,472 |
| Average total loans | $246,866,000 | 1,763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 5,437 |
| Cost of funding earning assets | 0.2929% | 4,521 |
| Net interest margin | 3.0139% | 5,179 |
| Noninterest income to average assets | 0.4274% | 3,782 |
| Noninterest expense to average assets | 1.8189% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0740% | 1,954 |
| Return on assets (ROA) | 1.0938% | 2,000 |
| Pretax return on assets | 1.5182% | 1,504 |
| Return on Equity (ROE) | 11.4082% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.4082% | 660 |
| Net charge-offs to loans | 0.0100% | 3,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 325.5000% | 170 |
| Efficiency ratio | 54.9585% | 5,598 |
| Assets per employee ($millions) | 6.5385% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 6,294 |
| Loan loss allowance to noncurrent loans | 721.9048% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,863 |
| Noncurrent loans to loans | 0.0425% | 5,612 |
| Net loans and leases to total assets | 46.5264% | 5,161 |
| Net loans and leases to deposits | 52.2004% | 5,318 |
| Net loans and leases to core deposits | 57.8205% | 5,133 |
| Total domestic deposits to total assets | 89.1303% | 1,181 |
| Equity capital to assets | 9.6683% | 4,555 |
| Core capital (leverage) ratio | 9.0860% | 4,859 |
| Tier 1 risk-based capital ratio | 15.9070% | 2,964 |
| Total risk-based capital ratio | 16.1618% | 3,414 |
| Memoranda: | ||
| Average total assets | $524,052,000 | 1,305 |
| Average earning assets | $501,153,000 | 1,262 |
| Average equity | $50,244,500 | 1,494 |
| Average total loans | $240,881,000 | 1,804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,757 |
| Cost of funding earning assets | 0.3377% | 4,392 |
| Net interest margin | 3.3708% | 4,323 |
| Noninterest income to average assets | 0.4726% | 3,691 |
| Noninterest expense to average assets | 1.8967% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2653% | 1,387 |
| Return on assets (ROA) | 1.3748% | 1,174 |
| Pretax return on assets | 1.9315% | 595 |
| Return on Equity (ROE) | 14.2174% | 899 |
| Retained earnings to average equity (ytd only) | 8.8886% | 730 |
| Net charge-offs to loans | 0.0311% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 118.1233% | 449 |
| Efficiency ratio | 51.6241% | 6,005 |
| Assets per employee ($millions) | 6.4011% | 1,118 |
| Cash dividends to net income (ytd only)* | 37.4813% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3257% | 6,369 |
| Loan loss allowance to noncurrent loans | 1,776.7442% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,040 |
| Noncurrent loans to loans | 0.0183% | 5,822 |
| Net loans and leases to total assets | 45.0982% | 5,398 |
| Net loans and leases to deposits | 50.4542% | 5,564 |
| Net loans and leases to core deposits | 55.7337% | 5,401 |
| Total domestic deposits to total assets | 89.3845% | 1,027 |
| Equity capital to assets | 9.5054% | 4,713 |
| Core capital (leverage) ratio | 9.2327% | 4,630 |
| Tier 1 risk-based capital ratio | 16.7618% | 2,619 |
| Total risk-based capital ratio | 17.0404% | 3,014 |
| Memoranda: | ||
| Average total assets | $485,170,000 | 1,375 |
| Average earning assets | $460,780,400 | 1,330 |
| Average equity | $46,914,200 | 1,540 |
| Average total loans | $234,371,000 | 1,795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,531 |
| Cost of funding earning assets | 0.3499% | 4,345 |
| Net interest margin | 3.4538% | 4,004 |
| Noninterest income to average assets | 0.4837% | 3,658 |
| Noninterest expense to average assets | 1.9411% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3216% | 1,310 |
| Return on assets (ROA) | 1.4722% | 1,021 |
| Pretax return on assets | 2.0308% | 531 |
| Return on Equity (ROE) | 15.1545% | 793 |
| Retained earnings to average equity (ytd only) | 15.1545% | 195 |
| Net charge-offs to loans | 0.0290% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 127.7419% | 470 |
| Efficiency ratio | 51.5865% | 6,020 |
| Assets per employee ($millions) | 5.9270% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3240% | 6,459 |
| Loan loss allowance to noncurrent loans | 1,786.3636% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 6,149 |
| Noncurrent loans to loans | 0.0181% | 5,960 |
| Net loans and leases to total assets | 50.3661% | 4,964 |
| Net loans and leases to deposits | 56.9367% | 5,180 |
| Net loans and leases to core deposits | 63.4256% | 4,934 |
| Total domestic deposits to total assets | 88.4598% | 1,523 |
| Equity capital to assets | 10.2455% | 3,866 |
| Core capital (leverage) ratio | 9.6386% | 4,172 |
| Tier 1 risk-based capital ratio | 16.8368% | 2,673 |
| Total risk-based capital ratio | 17.1180% | 3,062 |
| Memoranda: | ||
| Average total assets | $476,841,000 | 1,414 |
| Average earning assets | $452,703,500 | 1,369 |
| Average equity | $46,321,750 | 1,560 |
| Average total loans | $234,315,750 | 1,802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 4,560 |
| Cost of funding earning assets | 0.3626% | 4,287 |
| Net interest margin | 3.4281% | 4,067 |
| Noninterest income to average assets | 0.4830% | 3,608 |
| Noninterest expense to average assets | 1.9274% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3098% | 1,280 |
| Return on assets (ROA) | 1.4924% | 915 |
| Pretax return on assets | 2.0569% | 480 |
| Return on Equity (ROE) | 15.6503% | 686 |
| Retained earnings to average equity (ytd only) | 15.6503% | 186 |
| Net charge-offs to loans | 0.0328% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 113.1053% | 509 |
| Efficiency ratio | 51.6154% | 6,091 |
| Assets per employee ($millions) | 5.9894% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3270% | 6,527 |
| Loan loss allowance to noncurrent loans | 624.2188% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 6,137 |
| Noncurrent loans to loans | 0.0524% | 5,884 |
| Net loans and leases to total assets | 50.1946% | 4,943 |
| Net loans and leases to deposits | 57.2159% | 5,104 |
| Net loans and leases to core deposits | 63.8632% | 4,829 |
| Total domestic deposits to total assets | 87.7284% | 2,073 |
| Equity capital to assets | 9.8824% | 4,263 |
| Core capital (leverage) ratio | 9.5737% | 4,212 |
| Tier 1 risk-based capital ratio | 16.2268% | 2,967 |
| Total risk-based capital ratio | 16.5127% | 3,438 |
| Memoranda: | ||
| Average total assets | $475,759,670 | 1,410 |
| Average earning assets | $451,206,670 | 1,367 |
| Average equity | $45,366,670 | 1,576 |
| Average total loans | $231,559,000 | 1,813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 4,427 |
| Cost of funding earning assets | 0.3721% | 4,288 |
| Net interest margin | 3.4419% | 3,932 |
| Noninterest income to average assets | 0.4891% | 3,502 |
| Noninterest expense to average assets | 1.9887% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2489% | 1,351 |
| Return on assets (ROA) | 1.5624% | 750 |
| Pretax return on assets | 2.1933% | 354 |
| Return on Equity (ROE) | 16.6977% | 564 |
| Retained earnings to average equity (ytd only) | 16.6977% | 233 |
| Net charge-offs to loans | 0.0604% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 60.6765% | 650 |
| Efficiency ratio | 53.1669% | 6,075 |
| Assets per employee ($millions) | 5.8656% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3536% | 6,590 |
| Loan loss allowance to noncurrent loans | 2,768.9655% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,320 |
| Noncurrent loans to loans | 0.0128% | 6,131 |
| Net loans and leases to total assets | 47.6221% | 5,174 |
| Net loans and leases to deposits | 54.1137% | 5,273 |
| Net loans and leases to core deposits | 60.1870% | 5,023 |
| Total domestic deposits to total assets | 88.0039% | 2,234 |
| Equity capital to assets | 9.4494% | 4,565 |
| Core capital (leverage) ratio | 9.3625% | 4,489 |
| Tier 1 risk-based capital ratio | 16.2534% | 3,034 |
| Total risk-based capital ratio | 16.5526% | 3,501 |
| Memoranda: | ||
| Average total assets | $471,067,500 | 1,428 |
| Average earning assets | $444,992,500 | 1,389 |
| Average equity | $44,078,000 | 1,610 |
| Average total loans | $225,181,000 | 1,864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 4,198 |
| Cost of funding earning assets | 0.4065% | 4,572 |
| Net interest margin | 3.5627% | 3,630 |
| Noninterest income to average assets | 0.5143% | 3,671 |
| Noninterest expense to average assets | 1.8988% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4110% | 1,002 |
| Return on assets (ROA) | 1.4110% | 1,042 |
| Pretax return on assets | 1.9590% | 528 |
| Return on Equity (ROE) | 13.9475% | 954 |
| Retained earnings to average equity (ytd only) | 8.3190% | 949 |
| Net charge-offs to loans | 0.1151% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 34.5422% | 1,066 |
| Efficiency ratio | 48.8960% | 6,450 |
| Assets per employee ($millions) | 5.7657% | 1,432 |
| Cash dividends to net income (ytd only)* | 40.3551% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 6,655 |
| Loan loss allowance to noncurrent loans | 2,041.4634% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,401 |
| Noncurrent loans to loans | 0.0184% | 6,210 |
| Net loans and leases to total assets | 47.6344% | 5,333 |
| Net loans and leases to deposits | 53.9400% | 5,475 |
| Net loans and leases to core deposits | 59.9036% | 5,229 |
| Total domestic deposits to total assets | 88.3100% | 1,999 |
| Equity capital to assets | 9.2631% | 4,730 |
| Core capital (leverage) ratio | 9.3340% | 4,499 |
| Tier 1 risk-based capital ratio | 15.9922% | 3,092 |
| Total risk-based capital ratio | 16.3125% | 3,573 |
| Memoranda: | ||
| Average total assets | $439,055,800 | 1,508 |
| Average earning assets | $412,050,200 | 1,475 |
| Average equity | $44,416,600 | 1,575 |
| Average total loans | $216,303,000 | 1,891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 4,163 |
| Cost of funding earning assets | 0.4159% | 4,666 |
| Net interest margin | 3.5755% | 3,554 |
| Noninterest income to average assets | 0.5067% | 3,759 |
| Noninterest expense to average assets | 1.9055% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4285% | 1,035 |
| Return on assets (ROA) | 1.4285% | 1,093 |
| Pretax return on assets | 1.9521% | 646 |
| Return on Equity (ROE) | 13.8056% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.8056% | 264 |
| Net charge-offs to loans | 0.1404% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.9908% | 1,294 |
| Efficiency ratio | 48.9561% | 6,455 |
| Assets per employee ($millions) | 5.5060% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3861% | 6,730 |
| Loan loss allowance to noncurrent loans | 2,388.8889% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,484 |
| Noncurrent loans to loans | 0.0162% | 6,309 |
| Net loans and leases to total assets | 50.3740% | 5,099 |
| Net loans and leases to deposits | 57.7897% | 5,212 |
| Net loans and leases to core deposits | 64.4324% | 4,857 |
| Total domestic deposits to total assets | 87.1678% | 2,588 |
| Equity capital to assets | 10.0395% | 3,849 |
| Core capital (leverage) ratio | 9.7622% | 4,014 |
| Tier 1 risk-based capital ratio | 16.4626% | 2,951 |
| Total risk-based capital ratio | 16.7939% | 3,409 |
| Memoranda: | ||
| Average total assets | $432,063,750 | 1,542 |
| Average earning assets | $404,928,500 | 1,507 |
| Average equity | $44,705,500 | 1,583 |
| Average total loans | $214,553,500 | 1,903 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 4,171 |
| Cost of funding earning assets | 0.4202% | 4,750 |
| Net interest margin | 3.5640% | 3,508 |
| Noninterest income to average assets | 0.5088% | 3,773 |
| Noninterest expense to average assets | 1.8940% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4266% | 1,022 |
| Return on assets (ROA) | 1.4266% | 1,112 |
| Pretax return on assets | 1.9420% | 680 |
| Return on Equity (ROE) | 13.6493% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.6493% | 327 |
| Net charge-offs to loans | 0.2011% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.5681% | 1,503 |
| Efficiency ratio | 48.7064% | 6,499 |
| Assets per employee ($millions) | 5.4268% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3950% | 6,775 |
| Loan loss allowance to noncurrent loans | 597.9452% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 6,416 |
| Noncurrent loans to loans | 0.0661% | 6,194 |
| Net loans and leases to total assets | 51.3514% | 4,945 |
| Net loans and leases to deposits | 59.5190% | 5,022 |
| Net loans and leases to core deposits | 67.0936% | 4,583 |
| Total domestic deposits to total assets | 86.2773% | 3,216 |
| Equity capital to assets | 10.5811% | 3,193 |
| Core capital (leverage) ratio | 9.7778% | 3,823 |
| Tier 1 risk-based capital ratio | 16.3859% | 2,994 |
| Total risk-based capital ratio | 16.7334% | 3,444 |
| Memoranda: | ||
| Average total assets | $429,258,670 | 1,552 |
| Average earning assets | $400,731,330 | 1,519 |
| Average equity | $44,866,670 | 1,583 |
| Average total loans | $211,822,330 | 1,920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,506 |
| Cost of funding earning assets | 0.4290% | 4,816 |
| Net interest margin | 3.4621% | 3,852 |
| Noninterest income to average assets | 0.5513% | 3,434 |
| Noninterest expense to average assets | 1.8476% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4267% | 989 |
| Return on assets (ROA) | 1.4267% | 1,071 |
| Pretax return on assets | 1.9202% | 705 |
| Return on Equity (ROE) | 13.7342% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.7342% | 475 |
| Net charge-offs to loans | 0.0347% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 114.5556% | 337 |
| Efficiency ratio | 48.3440% | 6,599 |
| Assets per employee ($millions) | 5.3570% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 6,781 |
| Loan loss allowance to noncurrent loans | 101.3283% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 5,837 |
| Noncurrent loans to loans | 0.5007% | 5,176 |
| Net loans and leases to total assets | 48.8720% | 5,128 |
| Net loans and leases to deposits | 56.7590% | 5,164 |
| Net loans and leases to core deposits | 63.7292% | 4,774 |
| Total domestic deposits to total assets | 86.1045% | 3,471 |
| Equity capital to assets | 10.4938% | 3,543 |
| Core capital (leverage) ratio | 9.3453% | 4,334 |
| Tier 1 risk-based capital ratio | 16.2189% | 3,145 |
| Total risk-based capital ratio | 16.6563% | 3,547 |
| Memoranda: | ||
| Average total assets | $429,528,500 | 1,570 |
| Average earning assets | $399,068,500 | 1,531 |
| Average equity | $44,618,500 | 1,604 |
| Average total loans | $207,220,500 | 1,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 3,728 |
| Cost of funding earning assets | 0.5836% | 4,505 |
| Net interest margin | 3.8372% | 3,075 |
| Noninterest income to average assets | 0.4977% | 3,925 |
| Noninterest expense to average assets | 1.9666% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5650% | 804 |
| Return on assets (ROA) | 1.5733% | 871 |
| Pretax return on assets | 2.1383% | 460 |
| Return on Equity (ROE) | 14.8301% | 839 |
| Retained earnings to average equity (ytd only) | 9.0271% | 814 |
| Net charge-offs to loans | 0.0280% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 151.5263% | 276 |
| Efficiency ratio | 47.3741% | 6,736 |
| Assets per employee ($millions) | 5.3813% | 1,809 |
| Cash dividends to net income (ytd only)* | 39.1298% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 6,815 |
| Loan loss allowance to noncurrent loans | 102.9384% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 5,935 |
| Noncurrent loans to loans | 0.5173% | 5,236 |
| Net loans and leases to total assets | 47.1179% | 5,502 |
| Net loans and leases to deposits | 54.6111% | 5,595 |
| Net loans and leases to core deposits | 61.0614% | 5,264 |
| Total domestic deposits to total assets | 86.2790% | 3,217 |
| Equity capital to assets | 10.2822% | 3,784 |
| Core capital (leverage) ratio | 9.1555% | 4,650 |
| Tier 1 risk-based capital ratio | 16.0239% | 3,149 |
| Total risk-based capital ratio | 16.4813% | 3,540 |
| Memoranda: | ||
| Average total assets | $406,078,400 | 1,612 |
| Average earning assets | $380,536,600 | 1,573 |
| Average equity | $43,081,200 | 1,617 |
| Average total loans | $203,638,600 | 1,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 3,699 |
| Cost of funding earning assets | 0.6311% | 4,356 |
| Net interest margin | 3.8537% | 3,104 |
| Noninterest income to average assets | 0.4837% | 4,033 |
| Noninterest expense to average assets | 1.9734% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6193% | 809 |
| Return on assets (ROA) | 1.6211% | 892 |
| Pretax return on assets | 2.1521% | 524 |
| Return on Equity (ROE) | 15.1544% | 875 |
| Retained earnings to average equity (ytd only) | 15.1544% | 228 |
| Net charge-offs to loans | 0.0020% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2,149.6125% | 12 |
| Efficiency ratio | 47.1906% | 6,762 |
| Assets per employee ($millions) | 5.1193% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 6,925 |
| Loan loss allowance to noncurrent loans | 96.4467% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 5,975 |
| Noncurrent loans to loans | 0.5657% | 5,310 |
| Net loans and leases to total assets | 51.3870% | 5,129 |
| Net loans and leases to deposits | 60.4355% | 5,154 |
| Net loans and leases to core deposits | 68.6536% | 4,655 |
| Total domestic deposits to total assets | 85.0280% | 3,730 |
| Equity capital to assets | 11.1453% | 3,103 |
| Core capital (leverage) ratio | 9.7117% | 3,939 |
| Tier 1 risk-based capital ratio | 16.2691% | 3,122 |
| Total risk-based capital ratio | 16.7448% | 3,500 |
| Memoranda: | ||
| Average total assets | $399,972,750 | 1,651 |
| Average earning assets | $377,744,500 | 1,602 |
| Average equity | $42,785,250 | 1,643 |
| Average total loans | $203,566,000 | 1,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 3,633 |
| Cost of funding earning assets | 0.7184% | 3,870 |
| Net interest margin | 3.8144% | 3,293 |
| Noninterest income to average assets | 0.4622% | 4,189 |
| Noninterest expense to average assets | 1.9489% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6119% | 816 |
| Return on assets (ROA) | 1.6146% | 905 |
| Pretax return on assets | 2.1170% | 567 |
| Return on Equity (ROE) | 15.3109% | 887 |
| Retained earnings to average equity (ytd only) | 15.3109% | 269 |
| Net charge-offs to loans | -0.0040% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2943% | 6,816 |
| Assets per employee ($millions) | 5.0308% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 6,992 |
| Loan loss allowance to noncurrent loans | 96.1442% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,016 |
| Noncurrent loans to loans | 0.5605% | 5,389 |
| Net loans and leases to total assets | 53.2695% | 4,920 |
| Net loans and leases to deposits | 62.5143% | 4,937 |
| Net loans and leases to core deposits | 72.0143% | 4,293 |
| Total domestic deposits to total assets | 85.2117% | 3,763 |
| Equity capital to assets | 10.9139% | 3,214 |
| Core capital (leverage) ratio | 9.4963% | 4,147 |
| Tier 1 risk-based capital ratio | 15.6232% | 3,377 |
| Total risk-based capital ratio | 16.1035% | 3,818 |
| Memoranda: | ||
| Average total assets | $398,490,000 | 1,662 |
| Average earning assets | $376,102,670 | 1,606 |
| Average equity | $42,022,330 | 1,660 |
| Average total loans | $201,768,000 | 2,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 3,618 |
| Cost of funding earning assets | 0.8978% | 2,714 |
| Net interest margin | 3.6774% | 3,933 |
| Noninterest income to average assets | 0.4150% | 4,558 |
| Noninterest expense to average assets | 1.8806% | 6,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5414% | 955 |
| Return on assets (ROA) | 1.5468% | 1,059 |
| Pretax return on assets | 2.0109% | 723 |
| Return on Equity (ROE) | 14.9277% | 982 |
| Retained earnings to average equity (ytd only) | 14.9277% | 454 |
| Net charge-offs to loans | 0.0041% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 999.5000% | 17 |
| Efficiency ratio | 47.6903% | 6,827 |
| Assets per employee ($millions) | 5.5404% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 7,022 |
| Loan loss allowance to noncurrent loans | 935.2459% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 6,830 |
| Noncurrent loans to loans | 0.0597% | 6,604 |
| Net loans and leases to total assets | 50.2480% | 5,270 |
| Net loans and leases to deposits | 61.0193% | 5,042 |
| Net loans and leases to core deposits | 70.9804% | 4,291 |
| Total domestic deposits to total assets | 82.3477% | 5,176 |
| Equity capital to assets | 10.3231% | 3,709 |
| Core capital (leverage) ratio | 8.7801% | 5,156 |
| Tier 1 risk-based capital ratio | 15.2560% | 3,581 |
| Total risk-based capital ratio | 15.7448% | 4,074 |
| Memoranda: | ||
| Average total assets | $399,020,000 | 1,663 |
| Average earning assets | $376,462,000 | 1,612 |
| Average equity | $41,346,000 | 1,679 |
| Average total loans | $196,224,000 | 2,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 5,545 |
| Cost of funding earning assets | 1.1239% | 2,512 |
| Net interest margin | 3.2441% | 5,975 |
| Noninterest income to average assets | 0.4912% | 3,912 |
| Noninterest expense to average assets | 1.7774% | 6,983 |
| Loan and lease loss provision to assets | 0.0625% | 5,827 |
| Net operating income to assets | 1.3051% | 1,236 |
| Return on assets (ROA) | 1.3143% | 1,309 |
| Pretax return on assets | 1.7196% | 951 |
| Return on Equity (ROE) | 14.5779% | 817 |
| Retained earnings to average equity (ytd only) | 8.6923% | 882 |
| Net charge-offs to loans | 0.0620% | 5,676 |
| Credit loss provision to net charge-offs | 232.4561% | 1,045 |
| Earnings coverage of net charge-offs (x) | 65.8421% | 452 |
| Efficiency ratio | 49.3652% | 6,868 |
| Assets per employee ($millions) | 5.1115% | 2,042 |
| Cash dividends to net income (ytd only)* | 40.3732% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 7,007 |
| Loan loss allowance to noncurrent loans | 254.5657% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 6,474 |
| Noncurrent loans to loans | 0.2387% | 6,257 |
| Net loans and leases to total assets | 47.4951% | 5,877 |
| Net loans and leases to deposits | 61.2051% | 5,348 |
| Net loans and leases to core deposits | 72.0616% | 4,526 |
| Total domestic deposits to total assets | 77.5999% | 6,258 |
| Equity capital to assets | 10.4017% | 3,649 |
| Core capital (leverage) ratio | 8.7938% | 5,112 |
| Tier 1 risk-based capital ratio | 15.5522% | 3,292 |
| Total risk-based capital ratio | 16.0743% | 3,725 |
| Memoranda: | ||
| Average total assets | $424,043,200 | 1,537 |
| Average earning assets | $399,489,000 | 1,491 |
| Average equity | $38,229,200 | 1,763 |
| Average total loans | $183,790,200 | 2,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 5,721 |
| Cost of funding earning assets | 1.1709% | 2,503 |
| Net interest margin | 3.1947% | 6,172 |
| Noninterest income to average assets | 0.4692% | 4,138 |
| Noninterest expense to average assets | 1.7711% | 7,027 |
| Loan and lease loss provision to assets | 0.0819% | 5,416 |
| Net operating income to assets | 1.2536% | 1,506 |
| Return on assets (ROA) | 1.2655% | 1,576 |
| Pretax return on assets | 1.6420% | 1,275 |
| Return on Equity (ROE) | 14.5468% | 935 |
| Retained earnings to average equity (ytd only) | 14.5468% | 263 |
| Net charge-offs to loans | 0.0613% | 5,355 |
| Credit loss provision to net charge-offs | 315.4762% | 895 |
| Earnings coverage of net charge-offs (x) | 65.8436% | 498 |
| Efficiency ratio | 50.1642% | 6,818 |
| Assets per employee ($millions) | 5.1250% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6201% | 7,059 |
| Loan loss allowance to noncurrent loans | 71.0909% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 5,831 |
| Noncurrent loans to loans | 0.8723% | 5,115 |
| Net loans and leases to total assets | 48.2633% | 5,929 |
| Net loans and leases to deposits | 65.3373% | 5,002 |
| Net loans and leases to core deposits | 77.5462% | 3,973 |
| Total domestic deposits to total assets | 73.8678% | 6,774 |
| Equity capital to assets | 10.8051% | 3,349 |
| Core capital (leverage) ratio | 8.7615% | 5,322 |
| Tier 1 risk-based capital ratio | 15.7921% | 3,224 |
| Total risk-based capital ratio | 16.3246% | 3,591 |
| Memoranda: | ||
| Average total assets | $431,657,000 | 1,522 |
| Average earning assets | $406,750,250 | 1,482 |
| Average equity | $37,551,500 | 1,796 |
| Average total loans | $182,718,250 | 2,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 5,994 |
| Cost of funding earning assets | 1.1951% | 2,614 |
| Net interest margin | 3.1145% | 6,375 |
| Noninterest income to average assets | 0.4326% | 4,409 |
| Noninterest expense to average assets | 1.6953% | 7,181 |
| Loan and lease loss provision to assets | 0.1077% | 4,956 |
| Net operating income to assets | 1.2151% | 1,527 |
| Return on assets (ROA) | 1.2326% | 1,555 |
| Pretax return on assets | 1.5849% | 1,287 |
| Return on Equity (ROE) | 15.2442% | 756 |
| Retained earnings to average equity (ytd only) | 15.2442% | 232 |
| Net charge-offs to loans | 0.0842% | 4,799 |
| Credit loss provision to net charge-offs | 315.7895% | 964 |
| Earnings coverage of net charge-offs (x) | 48.9737% | 633 |
| Efficiency ratio | 49.6400% | 6,965 |
| Assets per employee ($millions) | 5.2288% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 7,110 |
| Loan loss allowance to noncurrent loans | 1,100.9524% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 6,788 |
| Noncurrent loans to loans | 0.0569% | 6,841 |
| Net loans and leases to total assets | 43.2712% | 6,497 |
| Net loans and leases to deposits | 63.9457% | 5,281 |
| Net loans and leases to core deposits | 77.4041% | 4,136 |
| Total domestic deposits to total assets | 67.6686% | 7,209 |
| Equity capital to assets | 9.1791% | 5,310 |
| Core capital (leverage) ratio | 7.5633% | 6,702 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,644 |
| Total risk-based capital ratio | 15.2677% | 4,135 |
| Memoranda: | ||
| Average total assets | $445,709,000 | 1,493 |
| Average earning assets | $419,714,670 | 1,450 |
| Average equity | $36,040,000 | 1,857 |
| Average total loans | $180,571,330 | 2,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 6,174 |
| Cost of funding earning assets | 1.2241% | 2,661 |
| Net interest margin | 3.0157% | 6,547 |
| Noninterest income to average assets | 0.4177% | 4,563 |
| Noninterest expense to average assets | 1.6646% | 7,258 |
| Loan and lease loss provision to assets | 0.1226% | 4,471 |
| Net operating income to assets | 1.1536% | 1,654 |
| Return on assets (ROA) | 1.1734% | 1,644 |
| Pretax return on assets | 1.4991% | 1,450 |
| Return on Equity (ROE) | 15.4817% | 743 |
| Retained earnings to average equity (ytd only) | 15.4817% | 346 |
| Net charge-offs to loans | 0.0112% | 4,929 |
| Credit loss provision to net charge-offs | 2,800.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 364.6000% | 76 |
| Efficiency ratio | 50.2954% | 6,967 |
| Assets per employee ($millions) | 5.6839% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 7,183 |
| Loan loss allowance to noncurrent loans | 1,374.3902% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 6,646 |
| Noncurrent loans to loans | 0.0450% | 6,939 |
| Net loans and leases to total assets | 39.3688% | 6,824 |
| Net loans and leases to deposits | 60.4609% | 5,676 |
| Net loans and leases to core deposits | 71.9079% | 4,802 |
| Total domestic deposits to total assets | 65.1144% | 7,351 |
| Equity capital to assets | 7.7996% | 6,678 |
| Core capital (leverage) ratio | 7.0223% | 6,999 |
| Tier 1 risk-based capital ratio | 14.0955% | 4,007 |
| Total risk-based capital ratio | 14.5923% | 4,529 |
| Memoranda: | ||
| Average total assets | $456,795,500 | 1,469 |
| Average earning assets | $430,678,000 | 1,430 |
| Average equity | $34,621,500 | 1,915 |
| Average total loans | $178,644,500 | 2,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 6,202 |
| Cost of funding earning assets | 1.5675% | 2,261 |
| Net interest margin | 2.9968% | 6,737 |
| Noninterest income to average assets | 0.3846% | 5,023 |
| Noninterest expense to average assets | 1.5717% | 7,419 |
| Loan and lease loss provision to assets | 0.1277% | 5,888 |
| Net operating income to assets | 1.1521% | 1,537 |
| Return on assets (ROA) | 1.2228% | 1,436 |
| Pretax return on assets | 1.5719% | 1,204 |
| Return on Equity (ROE) | 14.7486% | 753 |
| Retained earnings to average equity (ytd only) | 8.9931% | 701 |
| Net charge-offs to loans | 0.3367% | 4,328 |
| Credit loss provision to net charge-offs | 94.1901% | 4,934 |
| Earnings coverage of net charge-offs (x) | 11.8715% | 1,561 |
| Efficiency ratio | 49.0023% | 7,202 |
| Assets per employee ($millions) | 6.1243% | 1,128 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 7,301 |
| Loan loss allowance to noncurrent loans | 1,417.1429% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 6,693 |
| Noncurrent loans to loans | 0.0400% | 7,030 |
| Net loans and leases to total assets | 38.3759% | 7,058 |
| Net loans and leases to deposits | 59.6076% | 6,100 |
| Net loans and leases to core deposits | 71.4842% | 5,271 |
| Total domestic deposits to total assets | 64.3809% | 7,436 |
| Equity capital to assets | 7.3553% | 6,970 |
| Core capital (leverage) ratio | 6.8313% | 7,096 |
| Tier 1 risk-based capital ratio | 13.6629% | 4,087 |
| Total risk-based capital ratio | 14.1056% | 4,694 |
| Memoranda: | ||
| Average total assets | $419,107,200 | 1,584 |
| Average earning assets | $391,012,200 | 1,543 |
| Average equity | $34,749,000 | 1,905 |
| Average total loans | $168,687,800 | 2,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 6,225 |
| Cost of funding earning assets | 1.6406% | 2,160 |
| Net interest margin | 2.9996% | 6,833 |
| Noninterest income to average assets | 0.3643% | 5,243 |
| Noninterest expense to average assets | 1.4801% | 7,555 |
| Loan and lease loss provision to assets | 0.0585% | 6,483 |
| Net operating income to assets | 1.2445% | 1,477 |
| Return on assets (ROA) | 1.3395% | 1,331 |
| Pretax return on assets | 1.7415% | 1,031 |
| Return on Equity (ROE) | 15.6679% | 752 |
| Retained earnings to average equity (ytd only) | 15.6679% | 182 |
| Net charge-offs to loans | 0.0503% | 6,020 |
| Credit loss provision to net charge-offs | 285.7143% | 1,128 |
| Earnings coverage of net charge-offs (x) | 81.9504% | 375 |
| Efficiency ratio | 46.6001% | 7,360 |
| Assets per employee ($millions) | 6.2504% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 7,288 |
| Loan loss allowance to noncurrent loans | 1,343.5294% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 6,065 |
| Noncurrent loans to loans | 0.0482% | 7,127 |
| Net loans and leases to total assets | 39.5130% | 7,102 |
| Net loans and leases to deposits | 64.2431% | 5,885 |
| Net loans and leases to core deposits | 78.1656% | 4,786 |
| Total domestic deposits to total assets | 61.5054% | 7,570 |
| Equity capital to assets | 8.7603% | 5,916 |
| Core capital (leverage) ratio | 7.0630% | 7,132 |
| Tier 1 risk-based capital ratio | 14.0325% | 3,809 |
| Total risk-based capital ratio | 14.5404% | 4,327 |
| Memoranda: | ||
| Average total assets | $410,584,500 | 1,636 |
| Average earning assets | $382,214,500 | 1,600 |
| Average equity | $35,102,750 | 1,907 |
| Average total loans | $167,132,000 | 2,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 6,166 |
| Cost of funding earning assets | 1.7198% | 2,017 |
| Net interest margin | 2.9737% | 6,886 |
| Noninterest income to average assets | 0.3179% | 5,610 |
| Noninterest expense to average assets | 1.3356% | 7,694 |
| Loan and lease loss provision to assets | 0.0150% | 6,768 |
| Net operating income to assets | 1.3244% | 1,248 |
| Return on assets (ROA) | 1.4587% | 1,043 |
| Pretax return on assets | 1.9173% | 716 |
| Return on Equity (ROE) | 17.2197% | 549 |
| Retained earnings to average equity (ytd only) | 17.2197% | 149 |
| Net charge-offs to loans | 0.0817% | 5,322 |
| Credit loss provision to net charge-offs | 44.7761% | 5,526 |
| Earnings coverage of net charge-offs (x) | 52.3433% | 567 |
| Efficiency ratio | 43.2065% | 7,546 |
| Assets per employee ($millions) | 6.4141% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 7,468 |
| Loan loss allowance to noncurrent loans | 30.9040% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 5,340 |
| Noncurrent loans to loans | 1.7859% | 4,019 |
| Net loans and leases to total assets | 39.0910% | 7,214 |
| Net loans and leases to deposits | 61.7811% | 6,250 |
| Net loans and leases to core deposits | 74.2320% | 5,419 |
| Total domestic deposits to total assets | 63.2735% | 7,607 |
| Equity capital to assets | 7.8562% | 6,883 |
| Core capital (leverage) ratio | 7.4785% | 6,844 |
| Tier 1 risk-based capital ratio | 13.1259% | 4,341 |
| Total risk-based capital ratio | 13.5604% | 5,010 |
| Memoranda: | ||
| Average total assets | $399,520,670 | 1,692 |
| Average earning assets | $372,595,000 | 1,657 |
| Average equity | $33,845,000 | 1,971 |
| Average total loans | $164,012,330 | 2,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 5,312 |
| Cost of funding earning assets | 1.8660% | 1,584 |
| Net interest margin | 3.0638% | 6,683 |
| Noninterest income to average assets | 0.2853% | 5,858 |
| Noninterest expense to average assets | 1.3305% | 7,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4208% | 1,035 |
| Return on assets (ROA) | 1.4242% | 1,098 |
| Pretax return on assets | 1.8365% | 829 |
| Return on Equity (ROE) | 16.0954% | 706 |
| Retained earnings to average equity (ytd only) | 16.0954% | 334 |
| Net charge-offs to loans | 0.1789% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 24.3143% | 1,023 |
| Efficiency ratio | 42.0694% | 7,679 |
| Assets per employee ($millions) | 7.9811% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 7,476 |
| Loan loss allowance to noncurrent loans | 63.5819% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,982 |
| Noncurrent loans to loans | 0.9693% | 5,398 |
| Net loans and leases to total assets | 41.0539% | 7,174 |
| Net loans and leases to deposits | 80.8779% | 3,481 |
| Net loans and leases to core deposits | 103.7736% | 1,762 |
| Total domestic deposits to total assets | 50.7603% | 7,834 |
| Equity capital to assets | 8.9880% | 5,296 |
| Core capital (leverage) ratio | 8.5014% | 5,372 |
| Tier 1 risk-based capital ratio | 16.0558% | 2,636 |
| Total risk-based capital ratio | 16.5429% | 2,921 |
| Memoranda: | ||
| Average total assets | $371,580,500 | 1,846 |
| Average earning assets | $348,981,000 | 1,791 |
| Average equity | $32,879,000 | 2,046 |
| Average total loans | $156,514,000 | 2,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 5,840 |
| Cost of funding earning assets | 2.1948% | 2,061 |
| Net interest margin | 2.9630% | 6,731 |
| Noninterest income to average assets | 0.3086% | 5,877 |
| Noninterest expense to average assets | 1.2399% | 7,898 |
| Loan and lease loss provision to assets | 0.6461% | 3,220 |
| Net operating income to assets | 0.9706% | 1,941 |
| Return on assets (ROA) | 1.1356% | 1,450 |
| Pretax return on assets | 1.4268% | 1,371 |
| Return on Equity (ROE) | 13.2467% | 906 |
| Retained earnings to average equity (ytd only) | 5.2184% | 1,706 |
| Net charge-offs to loans | 1.1939% | 2,060 |
| Credit loss provision to net charge-offs | 132.2254% | 3,795 |
| Earnings coverage of net charge-offs (x) | 3.8203% | 3,184 |
| Efficiency ratio | 39.9114% | 7,859 |
| Assets per employee ($millions) | 8.3648% | 436 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 7,477 |
| Loan loss allowance to noncurrent loans | 32.8420% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 4,969 |
| Noncurrent loans to loans | 1.9744% | 3,681 |
| Net loans and leases to total assets | 42.6709% | 7,210 |
| Net loans and leases to deposits | 86.1383% | 2,890 |
| Net loans and leases to core deposits | 155.2215% | 409 |
| Total domestic deposits to total assets | 49.5377% | 7,912 |
| Equity capital to assets | 8.7062% | 5,576 |
| Core capital (leverage) ratio | 8.2672% | 5,684 |
| Tier 1 risk-based capital ratio | 15.1948% | 2,844 |
| Total risk-based capital ratio | 15.7112% | 3,183 |
| Memoranda: | ||
| Average total assets | $363,254,800 | 1,869 |
| Average earning assets | $343,032,000 | 1,822 |
| Average equity | $31,139,800 | 2,159 |
| Average total loans | $148,672,000 | 2,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 5,879 |
| Cost of funding earning assets | 2.2788% | 2,072 |
| Net interest margin | 2.9206% | 6,800 |
| Noninterest income to average assets | 0.3049% | 6,042 |
| Noninterest expense to average assets | 1.2219% | 7,989 |
| Loan and lease loss provision to assets | 0.4213% | 3,802 |
| Net operating income to assets | 1.0097% | 2,018 |
| Return on assets (ROA) | 1.1501% | 1,655 |
| Pretax return on assets | 1.6196% | 1,138 |
| Return on Equity (ROE) | 13.4693% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.4693% | 227 |
| Net charge-offs to loans | 0.0720% | 5,968 |
| Credit loss provision to net charge-offs | 1,448.1013% | 269 |
| Earnings coverage of net charge-offs (x) | 63.3549% | 515 |
| Efficiency ratio | 39.8654% | 7,928 |
| Assets per employee ($millions) | 8.2271% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,508 |
| Loan loss allowance to noncurrent loans | 34.2741% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 4,260 |
| Noncurrent loans to loans | 2.7903% | 2,725 |
| Net loans and leases to total assets | 43.4292% | 7,281 |
| Net loans and leases to deposits | 90.7606% | 2,437 |
| Net loans and leases to core deposits | 165.6352% | 308 |
| Total domestic deposits to total assets | 47.8502% | 7,990 |
| Equity capital to assets | 9.1408% | 5,276 |
| Core capital (leverage) ratio | 8.8319% | 4,929 |
| Tier 1 risk-based capital ratio | 15.9356% | 2,650 |
| Total risk-based capital ratio | 16.6998% | 2,789 |
| Memoranda: | ||
| Average total assets | $362,056,250 | 1,895 |
| Average earning assets | $342,155,500 | 1,841 |
| Average equity | $30,914,000 | 2,191 |
| Average total loans | $146,321,250 | 3,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 5,784 |
| Cost of funding earning assets | 2.3477% | 2,170 |
| Net interest margin | 2.9238% | 6,747 |
| Noninterest income to average assets | 0.2977% | 6,131 |
| Noninterest expense to average assets | 1.2091% | 8,082 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4159% | 988 |
| Return on assets (ROA) | 1.4654% | 967 |
| Pretax return on assets | 1.9178% | 672 |
| Return on Equity (ROE) | 17.5759% | 528 |
| Retained earnings to average equity (ytd only) | 17.5759% | 116 |
| Net charge-offs to loans | -0.0042% | 7,515 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4913% | 8,027 |
| Assets per employee ($millions) | 8.0386% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3103% | 7,982 |
| Loan loss allowance to noncurrent loans | 18.3723% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 5,646 |
| Noncurrent loans to loans | 1.6891% | 3,973 |
| Net loans and leases to total assets | 41.4163% | 7,482 |
| Net loans and leases to deposits | 87.0166% | 3,357 |
| Net loans and leases to core deposits | 172.8423% | 289 |
| Total domestic deposits to total assets | 47.5958% | 8,073 |
| Equity capital to assets | 9.0130% | 5,296 |
| Core capital (leverage) ratio | 8.5890% | 5,282 |
| Tier 1 risk-based capital ratio | 16.7755% | 2,371 |
| Total risk-based capital ratio | 17.0208% | 2,641 |
| Memoranda: | ||
| Average total assets | $362,077,000 | 1,912 |
| Average earning assets | $342,290,330 | 1,852 |
| Average equity | $30,189,000 | 2,249 |
| Average total loans | $142,185,330 | 3,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 4,812 |
| Cost of funding earning assets | 2.3801% | 2,380 |
| Net interest margin | 3.1392% | 6,067 |
| Noninterest income to average assets | 0.2971% | 6,062 |
| Noninterest expense to average assets | 1.0855% | 8,150 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6371% | 743 |
| Return on assets (ROA) | 1.6371% | 813 |
| Pretax return on assets | 2.1787% | 458 |
| Return on Equity (ROE) | 20.4335% | 395 |
| Retained earnings to average equity (ytd only) | 20.4335% | 154 |
| Net charge-offs to loans | -0.0029% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2553% | 8,127 |
| Assets per employee ($millions) | 8.3092% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3163% | 8,021 |
| Loan loss allowance to noncurrent loans | 357.4803% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 7,503 |
| Noncurrent loans to loans | 0.0885% | 7,270 |
| Net loans and leases to total assets | 39.1362% | 7,609 |
| Net loans and leases to deposits | 83.4887% | 4,062 |
| Net loans and leases to core deposits | 160.0660% | 489 |
| Total domestic deposits to total assets | 46.8760% | 8,119 |
| Equity capital to assets | 8.2997% | 6,393 |
| Core capital (leverage) ratio | 8.1633% | 6,168 |
| Tier 1 risk-based capital ratio | 16.3367% | 2,572 |
| Total risk-based capital ratio | 16.5836% | 2,861 |
| Memoranda: | ||
| Average total assets | $366,266,000 | 1,901 |
| Average earning assets | $346,204,000 | 1,848 |
| Average equity | $29,344,000 | 2,324 |
| Average total loans | $139,805,500 | 3,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1101% | 4,989 |
| Cost of funding earning assets | 3.4121% | 692 |
| Net interest margin | 2.6980% | 7,500 |
| Noninterest income to average assets | 0.2448% | 6,692 |
| Noninterest expense to average assets | 1.0027% | 8,203 |
| Loan and lease loss provision to assets | 0.0027% | 7,316 |
| Net operating income to assets | 1.3661% | 1,308 |
| Return on assets (ROA) | 1.3682% | 1,256 |
| Pretax return on assets | 1.7901% | 964 |
| Return on Equity (ROE) | 17.8252% | 544 |
| Retained earnings to average equity (ytd only) | 8.0895% | 821 |
| Net charge-offs to loans | 0.0169% | 6,635 |
| Credit loss provision to net charge-offs | 47.6190% | 6,377 |
| Earnings coverage of net charge-offs (x) | 313.7143% | 153 |
| Efficiency ratio | 35.9019% | 8,195 |
| Assets per employee ($millions) | 8.3393% | 416 |
| Cash dividends to net income (ytd only)* | 54.6177% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 8,058 |
| Loan loss allowance to noncurrent loans | 3,775.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 7,621 |
| Noncurrent loans to loans | 0.0088% | 7,520 |
| Net loans and leases to total assets | 36.9611% | 7,799 |
| Net loans and leases to deposits | 80.8698% | 4,895 |
| Net loans and leases to core deposits | 148.5395% | 910 |
| Total domestic deposits to total assets | 45.7045% | 8,155 |
| Equity capital to assets | 7.7247% | 7,177 |
| Core capital (leverage) ratio | 7.6932% | 6,949 |
| Tier 1 risk-based capital ratio | 15.7843% | 2,750 |
| Total risk-based capital ratio | 16.0349% | 3,081 |
| Memoranda: | ||
| Average total assets | $368,014,200 | 1,828 |
| Average earning assets | $347,557,400 | 1,780 |
| Average equity | $28,246,600 | 2,393 |
| Average total loans | $123,946,200 | 3,381 |