Home > Southern Michigan Bank & Trust > Performance and Condition Ratios
Southern Michigan Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 1,745 |
| Cost of funding earning assets | 1.8726% | 1,119 |
| Net interest margin | 3.2866% | 2,669 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.3958% | 2,611 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9263% | 2,464 |
| Return on assets (ROA) | 0.9263% | 2,437 |
| Pretax return on assets | 1.1494% | 2,263 |
| Return on Equity (ROE) | 11.0300% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.3645% | 1,167 |
| Net charge-offs to loans | 0.0015% | 2,779 |
| Credit loss provision to net charge-offs | 6,826.6667% | 76 |
| Earnings coverage of net charge-offs (x) | 1,112.1333% | 142 |
| Efficiency ratio | 66.2092% | 2,326 |
| Assets per employee ($millions) | 6.1007% | 2,732 |
| Cash dividends to net income (ytd only)* | 15.0643% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,673 |
| Loan loss allowance to noncurrent loans | 1,315.7480% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,149 |
| Noncurrent loans to loans | 0.0858% | 3,118 |
| Net loans and leases to total assets | 72.7300% | 1,501 |
| Net loans and leases to deposits | 88.1355% | 1,416 |
| Net loans and leases to core deposits | 106.0615% | 1,109 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 8.7534% | 2,858 |
| Core capital (leverage) ratio | 8.9940% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4195% | 2,446 |
| Memoranda: | ||
| Average total assets | $1,368,772,200 | 763 |
| Average earning assets | $1,269,553,800 | 758 |
| Average equity | $114,997,600 | 858 |
| Average total loans | $979,016,800 | 743 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 1,776 |
| Cost of funding earning assets | 1.7516% | 1,094 |
| Net interest margin | 3.2767% | 2,740 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.3144% | 2,745 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9686% | 2,455 |
| Return on assets (ROA) | 0.9713% | 2,437 |
| Pretax return on assets | 1.1994% | 2,297 |
| Return on Equity (ROE) | 11.6900% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.1756% | 1,356 |
| Net charge-offs to loans | 0.0006% | 2,640 |
| Credit loss provision to net charge-offs | 23,750.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 3,284.5000% | 29 |
| Efficiency ratio | 64.1496% | 2,479 |
| Assets per employee ($millions) | 6.1166% | 2,643 |
| Cash dividends to net income (ytd only)* | 12.9420% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,761 |
| Loan loss allowance to noncurrent loans | 1,165.7315% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,128 |
| Noncurrent loans to loans | 0.0961% | 3,097 |
| Net loans and leases to total assets | 72.0600% | 1,565 |
| Net loans and leases to deposits | 85.6776% | 1,605 |
| Net loans and leases to core deposits | 100.2018% | 1,311 |
| Total domestic deposits to total assets | 84.1000% | 2,749 |
| Equity capital to assets | 8.0804% | 3,004 |
| Core capital (leverage) ratio | 8.8195% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0679% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,358,649,000 | 772 |
| Average earning assets | $1,259,581,750 | 763 |
| Average equity | $112,907,250 | 863 |
| Average total loans | $964,624,250 | 753 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 1,794 |
| Cost of funding earning assets | 1.5671% | 1,131 |
| Net interest margin | 3.3194% | 2,708 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.3098% | 2,773 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.9673% | 2,522 |
| Return on assets (ROA) | 0.9711% | 2,509 |
| Pretax return on assets | 1.2021% | 2,352 |
| Return on Equity (ROE) | 11.5700% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.2870% | 1,607 |
| Net charge-offs to loans | -0.0006% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.2830% | 2,565 |
| Assets per employee ($millions) | 5.9645% | 2,738 |
| Cash dividends to net income (ytd only)* | 19.7411% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,646 |
| Loan loss allowance to noncurrent loans | 1,104.1825% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,024 |
| Noncurrent loans to loans | 0.1052% | 2,961 |
| Net loans and leases to total assets | 69.9100% | 1,755 |
| Net loans and leases to deposits | 83.1916% | 1,745 |
| Net loans and leases to core deposits | 100.6261% | 1,202 |
| Total domestic deposits to total assets | 84.0300% | 2,807 |
| Equity capital to assets | 8.1280% | 3,134 |
| Core capital (leverage) ratio | 8.9292% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9539% | 2,640 |
| Memoranda: | ||
| Average total assets | $1,336,479,333 | 771 |
| Average earning assets | $1,239,603,000 | 764 |
| Average equity | $112,156,667 | 863 |
| Average total loans | $939,984,333 | 752 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 1,723 |
| Cost of funding earning assets | 1.3406% | 1,152 |
| Net interest margin | 3.4168% | 2,586 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.3542% | 2,655 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0289% | 2,444 |
| Return on assets (ROA) | 1.0321% | 2,398 |
| Pretax return on assets | 1.2947% | 2,193 |
| Return on Equity (ROE) | 12.0900% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.7809% | 1,749 |
| Net charge-offs to loans | 0.0004% | 2,052 |
| Credit loss provision to net charge-offs | 27,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 4,463.0000% | 16 |
| Efficiency ratio | 63.0474% | 2,561 |
| Assets per employee ($millions) | 5.9092% | 2,835 |
| Cash dividends to net income (ytd only)* | 19.1102% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,694 |
| Loan loss allowance to noncurrent loans | 1,093.0209% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,045 |
| Noncurrent loans to loans | 0.1074% | 2,989 |
| Net loans and leases to total assets | 69.7000% | 1,656 |
| Net loans and leases to deposits | 81.2061% | 1,727 |
| Net loans and leases to core deposits | 90.4694% | 1,588 |
| Total domestic deposits to total assets | 85.8300% | 2,642 |
| Equity capital to assets | 8.5507% | 2,851 |
| Core capital (leverage) ratio | 9.1248% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0723% | 2,705 |
| Memoranda: | ||
| Average total assets | $1,297,930,000 | 811 |
| Average earning assets | $1,203,919,500 | 803 |
| Average equity | $110,787,000 | 880 |
| Average total loans | $910,062,500 | 787 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 1,956 |
| Cost of funding earning assets | 0.3975% | 2,130 |
| Net interest margin | 3.5157% | 1,880 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4212% | 2,358 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2373% | 1,635 |
| Return on assets (ROA) | 1.1918% | 1,741 |
| Pretax return on assets | 1.4433% | 1,647 |
| Return on Equity (ROE) | 13.1700% | 1,753 |
| Retained earnings to average equity (ytd only) | 9.5636% | 1,296 |
| Net charge-offs to loans | 0.0009% | 2,555 |
| Credit loss provision to net charge-offs | 3,928.5714% | 161 |
| Earnings coverage of net charge-offs (x) | 2,637.8571% | 59 |
| Efficiency ratio | 61.3443% | 2,867 |
| Assets per employee ($millions) | 5.7827% | 2,965 |
| Cash dividends to net income (ytd only)* | 27.3808% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 2,980 |
| Loan loss allowance to noncurrent loans | 918.3908% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 2,976 |
| Noncurrent loans to loans | 0.1177% | 2,937 |
| Net loans and leases to total assets | 68.9400% | 1,739 |
| Net loans and leases to deposits | 79.7491% | 1,794 |
| Net loans and leases to core deposits | 87.1141% | 1,671 |
| Total domestic deposits to total assets | 86.4400% | 2,592 |
| Equity capital to assets | 8.5200% | 2,693 |
| Core capital (leverage) ratio | 9.3704% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1467% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,214,133,000 | 849 |
| Average earning assets | $1,126,975,000 | 838 |
| Average equity | $109,875,400 | 884 |
| Average total loans | $801,562,200 | 821 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 2,054 |
| Cost of funding earning assets | 0.2750% | 2,432 |
| Net interest margin | 3.4238% | 1,899 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.3629% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1763% | 1,789 |
| Return on assets (ROA) | 1.1763% | 1,762 |
| Pretax return on assets | 1.4442% | 1,583 |
| Return on Equity (ROE) | 12.8000% | 1,775 |
| Retained earnings to average equity (ytd only) | 9.5094% | 1,482 |
| Net charge-offs to loans | -0.0019% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9869% | 2,824 |
| Assets per employee ($millions) | 5.6123% | 3,115 |
| Cash dividends to net income (ytd only)* | 25.7086% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,866 |
| Loan loss allowance to noncurrent loans | 775.0000% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 2,975 |
| Noncurrent loans to loans | 0.1462% | 2,885 |
| Net loans and leases to total assets | 65.6500% | 1,923 |
| Net loans and leases to deposits | 73.9073% | 2,059 |
| Net loans and leases to core deposits | 79.1886% | 1,959 |
| Total domestic deposits to total assets | 88.8200% | 2,159 |
| Equity capital to assets | 8.3743% | 2,622 |
| Core capital (leverage) ratio | 9.2475% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5274% | 2,646 |
| Memoranda: | ||
| Average total assets | $1,199,618,000 | 858 |
| Average earning assets | $1,113,535,750 | 852 |
| Average equity | $110,246,500 | 899 |
| Average total loans | $780,296,250 | 832 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 2,085 |
| Cost of funding earning assets | 0.2276% | 2,538 |
| Net interest margin | 3.2890% | 1,940 |
| Noninterest income to average assets | 0.6394% | 1,586 |
| Noninterest expense to average assets | 2.3134% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1268% | 1,678 |
| Return on assets (ROA) | 1.1268% | 1,655 |
| Pretax return on assets | 1.3799% | 1,496 |
| Return on Equity (ROE) | 11.8925% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.9915% | 1,290 |
| Net charge-offs to loans | 0.0008% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,727.6667% | 28 |
| Efficiency ratio | 62.5559% | 2,975 |
| Assets per employee ($millions) | 5.6685% | 3,066 |
| Cash dividends to net income (ytd only)* | 24.3939% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,797 |
| Loan loss allowance to noncurrent loans | 753.1932% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 2,979 |
| Noncurrent loans to loans | 0.1567% | 2,908 |
| Net loans and leases to total assets | 66.1781% | 1,669 |
| Net loans and leases to deposits | 75.0683% | 1,756 |
| Net loans and leases to core deposits | 78.3678% | 1,834 |
| Total domestic deposits to total assets | 88.1572% | 2,513 |
| Equity capital to assets | 9.0534% | 2,353 |
| Core capital (leverage) ratio | 9.2201% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9827% | 2,508 |
| Memoranda: | ||
| Average total assets | $1,186,053,000 | 862 |
| Average earning assets | $1,101,243,333 | 859 |
| Average equity | $112,373,000 | 885 |
| Average total loans | $765,875,000 | 831 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 2,278 |
| Cost of funding earning assets | 0.2115% | 2,650 |
| Net interest margin | 3.1236% | 2,096 |
| Noninterest income to average assets | 0.6423% | 1,523 |
| Noninterest expense to average assets | 2.2402% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0626% | 1,645 |
| Return on assets (ROA) | 1.0626% | 1,638 |
| Pretax return on assets | 1.3023% | 1,502 |
| Return on Equity (ROE) | 10.9734% | 1,627 |
| Retained earnings to average equity (ytd only) | 7.3619% | 1,780 |
| Net charge-offs to loans | 0.0069% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 297.9231% | 323 |
| Efficiency ratio | 63.1514% | 3,126 |
| Assets per employee ($millions) | 5.9322% | 2,864 |
| Cash dividends to net income (ytd only)* | 32.9114% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,773 |
| Loan loss allowance to noncurrent loans | 726.5418% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 3,076 |
| Noncurrent loans to loans | 0.1673% | 2,976 |
| Net loans and leases to total assets | 61.8790% | 1,873 |
| Net loans and leases to deposits | 70.7470% | 1,886 |
| Net loans and leases to core deposits | 74.2714% | 1,920 |
| Total domestic deposits to total assets | 87.4651% | 2,757 |
| Equity capital to assets | 8.9802% | 2,727 |
| Core capital (leverage) ratio | 9.1663% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1247% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,189,557,000 | 867 |
| Average earning assets | $1,104,485,500 | 864 |
| Average equity | $115,187,500 | 891 |
| Average total loans | $754,019,000 | 825 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 2,211 |
| Cost of funding earning assets | 0.2637% | 2,767 |
| Net interest margin | 3.3998% | 2,035 |
| Noninterest income to average assets | 0.8258% | 1,390 |
| Noninterest expense to average assets | 2.4147% | 2,445 |
| Loan and lease loss provision to assets | 0.1368% | 889 |
| Net operating income to assets | 1.1564% | 2,080 |
| Return on assets (ROA) | 1.1568% | 2,132 |
| Pretax return on assets | 1.4147% | 2,002 |
| Return on Equity (ROE) | 11.4018% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.9107% | 1,577 |
| Net charge-offs to loans | -0.0045% | 3,526 |
| Credit loss provision to net charge-offs | -4,838.7097% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8053% | 3,024 |
| Assets per employee ($millions) | 5.6720% | 3,095 |
| Cash dividends to net income (ytd only)* | 30.6188% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,602 |
| Loan loss allowance to noncurrent loans | 704.4596% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,129 |
| Noncurrent loans to loans | 0.1782% | 3,051 |
| Net loans and leases to total assets | 63.3689% | 1,778 |
| Net loans and leases to deposits | 74.5824% | 1,683 |
| Net loans and leases to core deposits | 77.9761% | 1,762 |
| Total domestic deposits to total assets | 84.9650% | 3,279 |
| Equity capital to assets | 10.4257% | 2,239 |
| Core capital (leverage) ratio | 9.3929% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3299% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,096,593,200 | 893 |
| Average earning assets | $1,012,757,600 | 899 |
| Average equity | $111,254,800 | 935 |
| Average total loans | $692,731,200 | 886 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 2,383 |
| Cost of funding earning assets | 0.2783% | 2,820 |
| Net interest margin | 3.3804% | 2,211 |
| Noninterest income to average assets | 0.8507% | 1,380 |
| Noninterest expense to average assets | 2.3548% | 2,588 |
| Loan and lease loss provision to assets | 0.1295% | 899 |
| Net operating income to assets | 1.2140% | 2,119 |
| Return on assets (ROA) | 1.2145% | 2,175 |
| Pretax return on assets | 1.4897% | 2,023 |
| Return on Equity (ROE) | 12.0598% | 2,023 |
| Retained earnings to average equity (ytd only) | 8.8254% | 1,759 |
| Net charge-offs to loans | -0.0078% | 3,584 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1815% | 3,102 |
| Assets per employee ($millions) | 5.8084% | 2,880 |
| Cash dividends to net income (ytd only)* | 26.8196% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,949 |
| Loan loss allowance to noncurrent loans | 652.8676% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 3,325 |
| Noncurrent loans to loans | 0.1852% | 3,205 |
| Net loans and leases to total assets | 63.7344% | 1,804 |
| Net loans and leases to deposits | 74.7193% | 1,788 |
| Net loans and leases to core deposits | 78.6446% | 1,846 |
| Total domestic deposits to total assets | 85.2984% | 3,016 |
| Equity capital to assets | 10.5180% | 2,446 |
| Core capital (leverage) ratio | 9.4245% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5755% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,081,469,500 | 911 |
| Average earning assets | $998,978,000 | 913 |
| Average equity | $108,909,750 | 958 |
| Average total loans | $680,275,500 | 921 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 2,662 |
| Cost of funding earning assets | 0.3007% | 2,770 |
| Net interest margin | 3.2883% | 2,481 |
| Noninterest income to average assets | 0.8879% | 1,303 |
| Noninterest expense to average assets | 2.3728% | 2,548 |
| Loan and lease loss provision to assets | 0.0753% | 1,578 |
| Net operating income to assets | 1.2081% | 2,162 |
| Return on assets (ROA) | 1.2089% | 2,226 |
| Pretax return on assets | 1.4796% | 2,079 |
| Return on Equity (ROE) | 12.1977% | 1,983 |
| Retained earnings to average equity (ytd only) | 8.2090% | 2,002 |
| Net charge-offs to loans | -0.0121% | 3,744 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3404% | 2,971 |
| Assets per employee ($millions) | 5.7053% | 2,891 |
| Cash dividends to net income (ytd only)* | 32.7001% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,090 |
| Loan loss allowance to noncurrent loans | 560.1770% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,366 |
| Noncurrent loans to loans | 0.2091% | 3,212 |
| Net loans and leases to total assets | 62.0819% | 2,172 |
| Net loans and leases to deposits | 72.8083% | 2,134 |
| Net loans and leases to core deposits | 77.2495% | 2,114 |
| Total domestic deposits to total assets | 85.2676% | 2,996 |
| Equity capital to assets | 10.5534% | 2,350 |
| Core capital (leverage) ratio | 9.2969% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0256% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,062,474,000 | 921 |
| Average earning assets | $981,836,333 | 920 |
| Average equity | $105,298,667 | 978 |
| Average total loans | $662,211,667 | 938 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 2,425 |
| Cost of funding earning assets | 0.3287% | 2,718 |
| Net interest margin | 3.3459% | 2,263 |
| Noninterest income to average assets | 0.8718% | 1,406 |
| Noninterest expense to average assets | 2.4570% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2229% | 2,059 |
| Return on assets (ROA) | 1.2229% | 2,140 |
| Pretax return on assets | 1.5078% | 1,970 |
| Return on Equity (ROE) | 12.7872% | 1,734 |
| Retained earnings to average equity (ytd only) | 8.1381% | 2,193 |
| Net charge-offs to loans | -0.0181% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8820% | 2,778 |
| Assets per employee ($millions) | 5.5711% | 3,046 |
| Cash dividends to net income (ytd only)* | 36.3579% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,882 |
| Loan loss allowance to noncurrent loans | 503.0888% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 3,450 |
| Noncurrent loans to loans | 0.2403% | 3,238 |
| Net loans and leases to total assets | 59.4117% | 2,617 |
| Net loans and leases to deposits | 69.0101% | 2,600 |
| Net loans and leases to core deposits | 73.3914% | 2,571 |
| Total domestic deposits to total assets | 86.0913% | 2,700 |
| Equity capital to assets | 9.0720% | 3,615 |
| Core capital (leverage) ratio | 8.2310% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1567% | 2,605 |
| Memoranda: | ||
| Average total assets | $1,034,595,500 | 927 |
| Average earning assets | $956,391,500 | 929 |
| Average equity | $98,942,500 | 1,022 |
| Average total loans | $642,093,500 | 960 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 3,076 |
| Cost of funding earning assets | 0.5535% | 2,588 |
| Net interest margin | 3.3296% | 2,983 |
| Noninterest income to average assets | 0.9520% | 1,144 |
| Noninterest expense to average assets | 2.6485% | 2,390 |
| Loan and lease loss provision to assets | 0.2909% | 1,303 |
| Net operating income to assets | 0.8689% | 2,827 |
| Return on assets (ROA) | 0.8689% | 2,965 |
| Pretax return on assets | 1.0600% | 2,839 |
| Return on Equity (ROE) | 8.1412% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.0021% | 2,267 |
| Net charge-offs to loans | -0.0008% | 3,923 |
| Credit loss provision to net charge-offs | -52,000.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1211% | 2,509 |
| Assets per employee ($millions) | 5.1501% | 3,229 |
| Cash dividends to net income (ytd only)* | 38.5576% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,835 |
| Loan loss allowance to noncurrent loans | 173.5130% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,232 |
| Noncurrent loans to loans | 0.7041% | 1,936 |
| Net loans and leases to total assets | 63.3593% | 2,446 |
| Net loans and leases to deposits | 74.9890% | 2,381 |
| Net loans and leases to core deposits | 80.0232% | 2,360 |
| Total domestic deposits to total assets | 84.4915% | 2,950 |
| Equity capital to assets | 10.0950% | 3,039 |
| Core capital (leverage) ratio | 8.7224% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0649% | 2,603 |
| Memoranda: | ||
| Average total assets | $893,680,000 | 973 |
| Average earning assets | $817,930,200 | 984 |
| Average equity | $95,379,400 | 1,001 |
| Average total loans | $605,117,600 | 968 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,014 |
| Cost of funding earning assets | 0.6089% | 2,558 |
| Net interest margin | 3.3767% | 2,988 |
| Noninterest income to average assets | 0.9655% | 1,091 |
| Noninterest expense to average assets | 2.6439% | 2,405 |
| Loan and lease loss provision to assets | 0.3454% | 1,108 |
| Net operating income to assets | 0.8733% | 2,800 |
| Return on assets (ROA) | 0.8733% | 2,933 |
| Pretax return on assets | 1.0601% | 2,878 |
| Return on Equity (ROE) | 8.0574% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.2772% | 2,440 |
| Net charge-offs to loans | 0.0022% | 3,106 |
| Credit loss provision to net charge-offs | 22,500.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 915.6000% | 127 |
| Efficiency ratio | 65.1895% | 2,561 |
| Assets per employee ($millions) | 4.8764% | 3,397 |
| Cash dividends to net income (ytd only)* | 34.5052% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,757 |
| Loan loss allowance to noncurrent loans | 194.3964% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,523 |
| Noncurrent loans to loans | 0.6093% | 2,274 |
| Net loans and leases to total assets | 66.4971% | 2,447 |
| Net loans and leases to deposits | 79.1659% | 2,407 |
| Net loans and leases to core deposits | 85.6440% | 2,330 |
| Total domestic deposits to total assets | 83.9971% | 2,825 |
| Equity capital to assets | 10.5634% | 2,736 |
| Core capital (leverage) ratio | 8.9625% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4698% | 2,431 |
| Memoranda: | ||
| Average total assets | $868,608,250 | 983 |
| Average earning assets | $793,262,500 | 995 |
| Average equity | $94,139,000 | 999 |
| Average total loans | $597,007,000 | 975 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,960 |
| Cost of funding earning assets | 0.6691% | 2,566 |
| Net interest margin | 3.4639% | 2,907 |
| Noninterest income to average assets | 0.9008% | 1,170 |
| Noninterest expense to average assets | 2.6199% | 2,596 |
| Loan and lease loss provision to assets | 0.4129% | 965 |
| Net operating income to assets | 0.8383% | 2,906 |
| Return on assets (ROA) | 0.8383% | 3,024 |
| Pretax return on assets | 1.0254% | 2,949 |
| Return on Equity (ROE) | 7.6637% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.4296% | 3,207 |
| Net charge-offs to loans | -0.0007% | 3,732 |
| Credit loss provision to net charge-offs | -87,500.0000% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4535% | 2,759 |
| Assets per employee ($millions) | 4.6492% | 3,598 |
| Cash dividends to net income (ytd only)* | 55.2491% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,119 |
| Loan loss allowance to noncurrent loans | 186.9038% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,654 |
| Noncurrent loans to loans | 0.5837% | 2,406 |
| Net loans and leases to total assets | 69.0112% | 2,184 |
| Net loans and leases to deposits | 81.8628% | 2,221 |
| Net loans and leases to core deposits | 91.0148% | 1,987 |
| Total domestic deposits to total assets | 84.3010% | 2,638 |
| Equity capital to assets | 10.4712% | 2,766 |
| Core capital (leverage) ratio | 8.9714% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1506% | 2,548 |
| Memoranda: | ||
| Average total assets | $847,679,667 | 985 |
| Average earning assets | $772,656,333 | 997 |
| Average equity | $92,723,000 | 1,009 |
| Average total loans | $587,084,667 | 979 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,974 |
| Cost of funding earning assets | 0.7563% | 2,628 |
| Net interest margin | 3.5278% | 2,888 |
| Noninterest income to average assets | 0.9227% | 1,019 |
| Noninterest expense to average assets | 2.6930% | 2,726 |
| Loan and lease loss provision to assets | 0.4903% | 602 |
| Net operating income to assets | 0.7878% | 2,945 |
| Return on assets (ROA) | 0.7878% | 3,034 |
| Pretax return on assets | 0.9545% | 2,987 |
| Return on Equity (ROE) | 7.0347% | 2,934 |
| Retained earnings to average equity (ytd only) | 2.7360% | 3,181 |
| Net charge-offs to loans | 0.0050% | 2,402 |
| Credit loss provision to net charge-offs | 14,285.7143% | 54 |
| Earnings coverage of net charge-offs (x) | 421.0000% | 162 |
| Efficiency ratio | 64.9763% | 3,093 |
| Assets per employee ($millions) | 4.3431% | 3,485 |
| Cash dividends to net income (ytd only)* | 61.1077% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,202 |
| Loan loss allowance to noncurrent loans | 165.7810% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 2,661 |
| Noncurrent loans to loans | 0.6637% | 2,330 |
| Net loans and leases to total assets | 67.2881% | 2,650 |
| Net loans and leases to deposits | 81.7610% | 2,483 |
| Net loans and leases to core deposits | 90.1589% | 2,327 |
| Total domestic deposits to total assets | 82.2986% | 3,332 |
| Equity capital to assets | 11.1001% | 2,774 |
| Core capital (leverage) ratio | 9.6680% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8232% | 2,785 |
| Memoranda: | ||
| Average total assets | $815,900,000 | 989 |
| Average earning assets | $743,589,000 | 996 |
| Average equity | $91,375,500 | 1,021 |
| Average total loans | $562,730,500 | 992 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 2,712 |
| Cost of funding earning assets | 0.7965% | 2,704 |
| Net interest margin | 3.7732% | 2,591 |
| Noninterest income to average assets | 0.9407% | 1,092 |
| Noninterest expense to average assets | 2.9871% | 2,051 |
| Loan and lease loss provision to assets | 0.0288% | 3,438 |
| Net operating income to assets | 1.1092% | 2,406 |
| Return on assets (ROA) | 1.1475% | 2,362 |
| Pretax return on assets | 1.4017% | 2,154 |
| Return on Equity (ROE) | 10.1387% | 2,235 |
| Retained earnings to average equity (ytd only) | 5.2157% | 2,304 |
| Net charge-offs to loans | 0.0289% | 2,821 |
| Credit loss provision to net charge-offs | 142.4051% | 1,811 |
| Earnings coverage of net charge-offs (x) | 68.4937% | 897 |
| Efficiency ratio | 68.2366% | 2,428 |
| Assets per employee ($millions) | 4.1365% | 3,711 |
| Cash dividends to net income (ytd only)* | 48.5571% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 3,884 |
| Loan loss allowance to noncurrent loans | 125.9169% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 2,335 |
| Noncurrent loans to loans | 0.7299% | 2,055 |
| Net loans and leases to total assets | 69.2831% | 2,503 |
| Net loans and leases to deposits | 84.9301% | 2,216 |
| Net loans and leases to core deposits | 93.0121% | 2,158 |
| Total domestic deposits to total assets | 81.5767% | 3,622 |
| Equity capital to assets | 11.3009% | 2,705 |
| Core capital (leverage) ratio | 9.7078% | 3,835 |
| Tier 1 risk-based capital ratio | 12.3038% | 4,185 |
| Total risk-based capital ratio | 13.1268% | 4,303 |
| Memoranda: | ||
| Average total assets | $782,104,000 | 993 |
| Average earning assets | $710,990,000 | 1,002 |
| Average equity | $88,522,000 | 997 |
| Average total loans | $547,387,600 | 983 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 2,760 |
| Cost of funding earning assets | 0.7899% | 2,764 |
| Net interest margin | 3.7991% | 2,604 |
| Noninterest income to average assets | 0.9265% | 1,089 |
| Noninterest expense to average assets | 2.9442% | 2,116 |
| Loan and lease loss provision to assets | 0.0258% | 3,380 |
| Net operating income to assets | 1.1557% | 2,342 |
| Return on assets (ROA) | 1.2072% | 2,252 |
| Pretax return on assets | 1.4711% | 2,041 |
| Return on Equity (ROE) | 10.6617% | 2,150 |
| Retained earnings to average equity (ytd only) | 5.5387% | 2,606 |
| Net charge-offs to loans | 0.0356% | 2,369 |
| Credit loss provision to net charge-offs | 103.4483% | 2,185 |
| Earnings coverage of net charge-offs (x) | 57.5582% | 1,087 |
| Efficiency ratio | 67.1402% | 2,562 |
| Assets per employee ($millions) | 4.2343% | 3,572 |
| Cash dividends to net income (ytd only)* | 48.0501% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 3,904 |
| Loan loss allowance to noncurrent loans | 115.8335% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,353 |
| Noncurrent loans to loans | 0.8066% | 1,954 |
| Net loans and leases to total assets | 67.1392% | 2,909 |
| Net loans and leases to deposits | 82.1215% | 2,673 |
| Net loans and leases to core deposits | 91.1213% | 2,452 |
| Total domestic deposits to total assets | 81.7559% | 3,549 |
| Equity capital to assets | 11.2502% | 2,878 |
| Core capital (leverage) ratio | 9.8096% | 3,843 |
| Tier 1 risk-based capital ratio | 12.0053% | 4,413 |
| Total risk-based capital ratio | 12.8087% | 4,538 |
| Memoranda: | ||
| Average total assets | $775,975,250 | 997 |
| Average earning assets | $705,026,500 | 1,003 |
| Average equity | $87,863,750 | 999 |
| Average total loans | $543,225,750 | 992 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,666 |
| Cost of funding earning assets | 0.7686% | 2,813 |
| Net interest margin | 3.8349% | 2,462 |
| Noninterest income to average assets | 0.8789% | 1,125 |
| Noninterest expense to average assets | 2.9695% | 2,086 |
| Loan and lease loss provision to assets | 0.0392% | 3,033 |
| Net operating income to assets | 1.1064% | 2,499 |
| Return on assets (ROA) | 1.1508% | 2,403 |
| Pretax return on assets | 1.4096% | 2,172 |
| Return on Equity (ROE) | 10.1402% | 2,325 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,373 |
| Net charge-offs to loans | 0.0406% | 2,079 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 1,114 |
| Efficiency ratio | 67.9346% | 2,540 |
| Assets per employee ($millions) | 4.0400% | 3,816 |
| Cash dividends to net income (ytd only)* | 62.8805% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,878 |
| Loan loss allowance to noncurrent loans | 115.3433% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,279 |
| Noncurrent loans to loans | 0.8229% | 1,946 |
| Net loans and leases to total assets | 69.3842% | 2,616 |
| Net loans and leases to deposits | 84.8339% | 2,388 |
| Net loans and leases to core deposits | 92.9975% | 2,326 |
| Total domestic deposits to total assets | 81.7882% | 3,581 |
| Equity capital to assets | 11.4450% | 2,643 |
| Core capital (leverage) ratio | 9.7667% | 3,863 |
| Tier 1 risk-based capital ratio | 12.0856% | 4,373 |
| Total risk-based capital ratio | 12.9223% | 4,496 |
| Memoranda: | ||
| Average total assets | $765,050,000 | 1,013 |
| Average earning assets | $695,304,330 | 1,017 |
| Average equity | $86,823,000 | 1,004 |
| Average total loans | $541,597,670 | 995 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 2,752 |
| Cost of funding earning assets | 0.7253% | 2,919 |
| Net interest margin | 3.8084% | 2,495 |
| Noninterest income to average assets | 0.8624% | 1,136 |
| Noninterest expense to average assets | 3.0026% | 1,989 |
| Loan and lease loss provision to assets | 0.0790% | 2,109 |
| Net operating income to assets | 1.0282% | 2,752 |
| Return on assets (ROA) | 1.0483% | 2,706 |
| Pretax return on assets | 1.2662% | 2,578 |
| Return on Equity (ROE) | 9.2770% | 2,681 |
| Retained earnings to average equity (ytd only) | 1.3047% | 4,255 |
| Net charge-offs to loans | 0.0022% | 2,677 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 836.3333% | 74 |
| Efficiency ratio | 69.3376% | 2,449 |
| Assets per employee ($millions) | 4.1243% | 3,735 |
| Cash dividends to net income (ytd only)* | 85.9367% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,937 |
| Loan loss allowance to noncurrent loans | 113.4483% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 2,279 |
| Noncurrent loans to loans | 0.8445% | 1,948 |
| Net loans and leases to total assets | 69.4479% | 2,561 |
| Net loans and leases to deposits | 83.2895% | 2,470 |
| Net loans and leases to core deposits | 92.5419% | 2,253 |
| Total domestic deposits to total assets | 83.3813% | 3,262 |
| Equity capital to assets | 11.0264% | 2,826 |
| Core capital (leverage) ratio | 9.8335% | 3,783 |
| Tier 1 risk-based capital ratio | 11.7314% | 4,601 |
| Total risk-based capital ratio | 12.5758% | 4,731 |
| Memoranda: | ||
| Average total assets | $759,738,000 | 1,016 |
| Average earning assets | $690,475,000 | 1,023 |
| Average equity | $85,846,500 | 1,007 |
| Average total loans | $540,720,500 | 1,002 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,525 |
| Cost of funding earning assets | 0.5588% | 2,993 |
| Net interest margin | 3.9181% | 2,269 |
| Noninterest income to average assets | 0.9354% | 1,094 |
| Noninterest expense to average assets | 3.0271% | 1,988 |
| Loan and lease loss provision to assets | 0.0342% | 3,510 |
| Net operating income to assets | 1.1914% | 2,219 |
| Return on assets (ROA) | 1.1731% | 2,292 |
| Pretax return on assets | 1.4110% | 2,095 |
| Return on Equity (ROE) | 10.4039% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.4538% | 1,949 |
| Net charge-offs to loans | 0.0265% | 2,882 |
| Credit loss provision to net charge-offs | 176.0563% | 1,600 |
| Earnings coverage of net charge-offs (x) | 75.5775% | 895 |
| Efficiency ratio | 67.2548% | 2,666 |
| Assets per employee ($millions) | 3.9351% | 3,987 |
| Cash dividends to net income (ytd only)* | 37.9676% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,905 |
| Loan loss allowance to noncurrent loans | 114.4487% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 2,185 |
| Noncurrent loans to loans | 0.8405% | 1,923 |
| Net loans and leases to total assets | 71.5972% | 2,328 |
| Net loans and leases to deposits | 86.8419% | 2,176 |
| Net loans and leases to core deposits | 93.8972% | 2,234 |
| Total domestic deposits to total assets | 82.4454% | 3,505 |
| Equity capital to assets | 11.5903% | 2,184 |
| Core capital (leverage) ratio | 9.9431% | 3,657 |
| Tier 1 risk-based capital ratio | 11.9524% | 4,454 |
| Total risk-based capital ratio | 12.7921% | 4,608 |
| Memoranda: | ||
| Average total assets | $731,487,400 | 1,015 |
| Average earning assets | $664,435,200 | 1,034 |
| Average equity | $82,478,800 | 1,002 |
| Average total loans | $534,867,600 | 972 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 2,614 |
| Cost of funding earning assets | 0.5174% | 3,080 |
| Net interest margin | 3.8871% | 2,350 |
| Noninterest income to average assets | 0.9080% | 1,175 |
| Noninterest expense to average assets | 2.9759% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2280% | 2,130 |
| Return on assets (ROA) | 1.2280% | 2,130 |
| Pretax return on assets | 1.4675% | 2,008 |
| Return on Equity (ROE) | 10.9679% | 2,188 |
| Retained earnings to average equity (ytd only) | 7.2619% | 1,998 |
| Net charge-offs to loans | 0.0244% | 2,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 82.0328% | 867 |
| Efficiency ratio | 66.8748% | 2,735 |
| Assets per employee ($millions) | 4.1556% | 3,644 |
| Cash dividends to net income (ytd only)* | 33.7892% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,189 |
| Loan loss allowance to noncurrent loans | 429.2832% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 4,193 |
| Noncurrent loans to loans | 0.2141% | 3,943 |
| Net loans and leases to total assets | 69.2503% | 2,768 |
| Net loans and leases to deposits | 82.9414% | 2,721 |
| Net loans and leases to core deposits | 90.8802% | 2,575 |
| Total domestic deposits to total assets | 83.4931% | 3,125 |
| Equity capital to assets | 10.9509% | 2,707 |
| Core capital (leverage) ratio | 9.9182% | 3,721 |
| Tier 1 risk-based capital ratio | 11.8424% | 4,582 |
| Total risk-based capital ratio | 12.6506% | 4,730 |
| Memoranda: | ||
| Average total assets | $730,393,500 | 1,015 |
| Average earning assets | $664,299,000 | 1,034 |
| Average equity | $81,776,250 | 1,006 |
| Average total loans | $535,591,000 | 974 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 2,433 |
| Cost of funding earning assets | 0.4670% | 3,242 |
| Net interest margin | 3.9277% | 2,116 |
| Noninterest income to average assets | 0.9024% | 1,176 |
| Noninterest expense to average assets | 3.0568% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2034% | 2,183 |
| Return on assets (ROA) | 1.2034% | 2,183 |
| Pretax return on assets | 1.4178% | 2,091 |
| Return on Equity (ROE) | 10.6652% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.9243% | 2,597 |
| Net charge-offs to loans | 0.0082% | 2,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 231.6818% | 381 |
| Efficiency ratio | 68.2208% | 2,612 |
| Assets per employee ($millions) | 3.8635% | 4,113 |
| Cash dividends to net income (ytd only)* | 44.4521% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,284 |
| Loan loss allowance to noncurrent loans | 394.2292% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 4,105 |
| Noncurrent loans to loans | 0.2313% | 3,882 |
| Net loans and leases to total assets | 74.1997% | 1,914 |
| Net loans and leases to deposits | 90.3836% | 1,791 |
| Net loans and leases to core deposits | 98.2398% | 1,872 |
| Total domestic deposits to total assets | 82.0941% | 3,692 |
| Equity capital to assets | 11.2323% | 2,424 |
| Core capital (leverage) ratio | 9.9422% | 3,643 |
| Tier 1 risk-based capital ratio | 11.4954% | 4,787 |
| Total risk-based capital ratio | 12.3155% | 4,911 |
| Memoranda: | ||
| Average total assets | $718,980,330 | 1,040 |
| Average earning assets | $653,918,330 | 1,050 |
| Average equity | $81,123,670 | 1,014 |
| Average total loans | $535,980,670 | 976 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,500 |
| Cost of funding earning assets | 0.4330% | 3,349 |
| Net interest margin | 3.8699% | 2,158 |
| Noninterest income to average assets | 0.8994% | 1,148 |
| Noninterest expense to average assets | 3.0716% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1198% | 2,335 |
| Return on assets (ROA) | 1.1198% | 2,353 |
| Pretax return on assets | 1.3457% | 2,200 |
| Return on Equity (ROE) | 9.9013% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.1316% | 3,110 |
| Net charge-offs to loans | 0.0113% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 409 |
| Efficiency ratio | 69.4593% | 2,586 |
| Assets per employee ($millions) | 3.9161% | 4,125 |
| Cash dividends to net income (ytd only)* | 48.1723% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,306 |
| Loan loss allowance to noncurrent loans | 407.9248% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,208 |
| Noncurrent loans to loans | 0.2279% | 3,953 |
| Net loans and leases to total assets | 74.2615% | 1,816 |
| Net loans and leases to deposits | 89.2947% | 1,781 |
| Net loans and leases to core deposits | 97.2488% | 1,885 |
| Total domestic deposits to total assets | 83.1645% | 3,612 |
| Equity capital to assets | 11.2775% | 2,324 |
| Core capital (leverage) ratio | 9.8142% | 3,743 |
| Tier 1 risk-based capital ratio | 11.3399% | 4,959 |
| Total risk-based capital ratio | 12.1676% | 5,085 |
| Memoranda: | ||
| Average total assets | $713,366,500 | 1,050 |
| Average earning assets | $648,486,500 | 1,064 |
| Average equity | $80,676,000 | 1,024 |
| Average total loans | $530,571,500 | 992 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 2,860 |
| Cost of funding earning assets | 0.3498% | 3,724 |
| Net interest margin | 3.8051% | 2,409 |
| Noninterest income to average assets | 0.9855% | 1,055 |
| Noninterest expense to average assets | 3.0600% | 1,980 |
| Loan and lease loss provision to assets | 0.0260% | 3,774 |
| Net operating income to assets | 0.8421% | 2,989 |
| Return on assets (ROA) | 0.8424% | 3,014 |
| Pretax return on assets | 1.3430% | 2,203 |
| Return on Equity (ROE) | 7.3032% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.3807% | 3,264 |
| Net charge-offs to loans | 0.0017% | 4,062 |
| Credit loss provision to net charge-offs | 2,187.5000% | 178 |
| Earnings coverage of net charge-offs (x) | 1,152.3750% | 64 |
| Efficiency ratio | 68.3304% | 2,829 |
| Assets per employee ($millions) | 3.8177% | 4,257 |
| Cash dividends to net income (ytd only)* | 53.7093% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,180 |
| Loan loss allowance to noncurrent loans | 429.2202% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,247 |
| Noncurrent loans to loans | 0.2227% | 4,016 |
| Net loans and leases to total assets | 73.0825% | 2,081 |
| Net loans and leases to deposits | 89.7029% | 1,810 |
| Net loans and leases to core deposits | 97.7156% | 1,884 |
| Total domestic deposits to total assets | 81.4717% | 4,007 |
| Equity capital to assets | 11.3412% | 2,335 |
| Core capital (leverage) ratio | 9.8220% | 3,672 |
| Tier 1 risk-based capital ratio | 11.2188% | 5,030 |
| Total risk-based capital ratio | 12.0486% | 5,148 |
| Memoranda: | ||
| Average total assets | $673,651,200 | 1,085 |
| Average earning assets | $609,549,200 | 1,100 |
| Average equity | $77,705,400 | 1,036 |
| Average total loans | $483,860,000 | 1,063 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,962 |
| Cost of funding earning assets | 0.3237% | 3,904 |
| Net interest margin | 3.7849% | 2,459 |
| Noninterest income to average assets | 0.9853% | 1,059 |
| Noninterest expense to average assets | 3.0386% | 2,004 |
| Loan and lease loss provision to assets | 0.0351% | 3,413 |
| Net operating income to assets | 0.9552% | 2,745 |
| Return on assets (ROA) | 0.9556% | 2,805 |
| Pretax return on assets | 1.3322% | 2,355 |
| Return on Equity (ROE) | 8.2476% | 2,995 |
| Retained earnings to average equity (ytd only) | 4.5489% | 3,187 |
| Net charge-offs to loans | 0.0011% | 3,746 |
| Credit loss provision to net charge-offs | 4,375.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,704.0225% | 52 |
| Efficiency ratio | 68.1924% | 2,844 |
| Assets per employee ($millions) | 3.8994% | 4,161 |
| Cash dividends to net income (ytd only)* | 44.8457% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 4,060 |
| Loan loss allowance to noncurrent loans | 370.5100% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,238 |
| Noncurrent loans to loans | 0.2697% | 3,991 |
| Net loans and leases to total assets | 69.9754% | 2,559 |
| Net loans and leases to deposits | 86.0106% | 2,290 |
| Net loans and leases to core deposits | 93.1284% | 2,335 |
| Total domestic deposits to total assets | 81.3567% | 3,957 |
| Equity capital to assets | 11.4501% | 2,421 |
| Core capital (leverage) ratio | 10.0852% | 3,459 |
| Tier 1 risk-based capital ratio | 11.6292% | 4,864 |
| Total risk-based capital ratio | 12.4904% | 5,013 |
| Memoranda: | ||
| Average total assets | $664,541,250 | 1,104 |
| Average earning assets | $600,480,750 | 1,121 |
| Average equity | $76,998,500 | 1,054 |
| Average total loans | $473,834,750 | 1,082 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 2,955 |
| Cost of funding earning assets | 0.2950% | 4,133 |
| Net interest margin | 3.7710% | 2,404 |
| Noninterest income to average assets | 0.9882% | 1,047 |
| Noninterest expense to average assets | 3.1271% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9137% | 2,844 |
| Return on assets (ROA) | 0.9139% | 2,895 |
| Pretax return on assets | 1.2668% | 2,510 |
| Return on Equity (ROE) | 7.8541% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.5992% | 2,975 |
| Net charge-offs to loans | -0.0237% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3743% | 2,605 |
| Assets per employee ($millions) | 3.6770% | 4,471 |
| Cash dividends to net income (ytd only)* | 41.4420% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,147 |
| Loan loss allowance to noncurrent loans | 346.3225% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 4,272 |
| Noncurrent loans to loans | 0.2888% | 4,006 |
| Net loans and leases to total assets | 73.2457% | 1,996 |
| Net loans and leases to deposits | 89.3764% | 1,822 |
| Net loans and leases to core deposits | 96.6190% | 1,918 |
| Total domestic deposits to total assets | 81.9520% | 3,900 |
| Equity capital to assets | 12.1543% | 1,825 |
| Core capital (leverage) ratio | 10.4113% | 3,016 |
| Tier 1 risk-based capital ratio | 11.7691% | 4,786 |
| Total risk-based capital ratio | 12.6322% | 4,925 |
| Memoranda: | ||
| Average total assets | $649,491,330 | 1,128 |
| Average earning assets | $586,529,670 | 1,147 |
| Average equity | $75,578,000 | 1,072 |
| Average total loans | $464,572,330 | 1,104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 3,012 |
| Cost of funding earning assets | 0.2868% | 4,175 |
| Net interest margin | 3.7205% | 2,417 |
| Noninterest income to average assets | 1.0172% | 970 |
| Noninterest expense to average assets | 3.1183% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9055% | 2,731 |
| Return on assets (ROA) | 0.9059% | 2,787 |
| Pretax return on assets | 1.2554% | 2,398 |
| Return on Equity (ROE) | 7.9677% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.4514% | 3,201 |
| Net charge-offs to loans | 0.0504% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 35.4035% | 1,124 |
| Efficiency ratio | 70.4962% | 2,815 |
| Assets per employee ($millions) | 3.6353% | 4,597 |
| Cash dividends to net income (ytd only)* | 44.1318% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,968 |
| Loan loss allowance to noncurrent loans | 340.5694% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,216 |
| Noncurrent loans to loans | 0.3094% | 4,015 |
| Net loans and leases to total assets | 69.4425% | 2,469 |
| Net loans and leases to deposits | 82.7636% | 2,422 |
| Net loans and leases to core deposits | 87.2248% | 2,619 |
| Total domestic deposits to total assets | 83.9047% | 3,514 |
| Equity capital to assets | 11.4011% | 2,257 |
| Core capital (leverage) ratio | 9.6364% | 3,946 |
| Tier 1 risk-based capital ratio | 11.3388% | 5,120 |
| Total risk-based capital ratio | 12.2309% | 5,237 |
| Memoranda: | ||
| Average total assets | $643,308,500 | 1,137 |
| Average earning assets | $580,238,000 | 1,161 |
| Average equity | $73,145,000 | 1,090 |
| Average total loans | $452,019,000 | 1,124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,094 |
| Cost of funding earning assets | 0.2770% | 4,285 |
| Net interest margin | 3.7524% | 2,492 |
| Noninterest income to average assets | 1.1095% | 935 |
| Noninterest expense to average assets | 3.0909% | 2,068 |
| Loan and lease loss provision to assets | 0.0165% | 4,048 |
| Net operating income to assets | 0.9925% | 2,379 |
| Return on assets (ROA) | 1.0046% | 2,438 |
| Pretax return on assets | 1.3982% | 1,947 |
| Return on Equity (ROE) | 8.4194% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.2201% | 2,904 |
| Net charge-offs to loans | 0.1245% | 2,008 |
| Credit loss provision to net charge-offs | 18.7970% | 3,680 |
| Earnings coverage of net charge-offs (x) | 15.9474% | 2,155 |
| Efficiency ratio | 67.9037% | 3,253 |
| Assets per employee ($millions) | 3.6132% | 4,592 |
| Cash dividends to net income (ytd only)* | 49.8770% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,851 |
| Loan loss allowance to noncurrent loans | 325.1175% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 4,150 |
| Noncurrent loans to loans | 0.3310% | 3,953 |
| Net loans and leases to total assets | 69.5915% | 2,544 |
| Net loans and leases to deposits | 82.9297% | 2,554 |
| Net loans and leases to core deposits | 86.9619% | 2,768 |
| Total domestic deposits to total assets | 83.9163% | 3,449 |
| Equity capital to assets | 11.3388% | 2,299 |
| Core capital (leverage) ratio | 9.7115% | 3,841 |
| Tier 1 risk-based capital ratio | 11.3383% | 5,148 |
| Total risk-based capital ratio | 12.2530% | 5,236 |
| Memoranda: | ||
| Average total assets | $606,917,800 | 1,157 |
| Average earning assets | $546,554,800 | 1,176 |
| Average equity | $72,415,800 | 1,093 |
| Average total loans | $427,199,800 | 1,146 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,049 |
| Cost of funding earning assets | 0.2721% | 4,361 |
| Net interest margin | 3.7745% | 2,432 |
| Noninterest income to average assets | 1.1138% | 920 |
| Noninterest expense to average assets | 3.0925% | 2,047 |
| Loan and lease loss provision to assets | 0.0223% | 3,798 |
| Net operating income to assets | 1.0014% | 2,425 |
| Return on assets (ROA) | 1.0174% | 2,483 |
| Pretax return on assets | 1.4189% | 1,975 |
| Return on Equity (ROE) | 8.4152% | 2,802 |
| Retained earnings to average equity (ytd only) | 3.9949% | 3,464 |
| Net charge-offs to loans | 0.1531% | 1,471 |
| Credit loss provision to net charge-offs | 20.6612% | 3,292 |
| Earnings coverage of net charge-offs (x) | 13.1652% | 2,331 |
| Efficiency ratio | 67.5864% | 3,304 |
| Assets per employee ($millions) | 3.6226% | 4,607 |
| Cash dividends to net income (ytd only)* | 52.5279% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,522 |
| Loan loss allowance to noncurrent loans | 353.5069% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 4,219 |
| Noncurrent loans to loans | 0.3264% | 4,088 |
| Net loans and leases to total assets | 67.6044% | 2,855 |
| Net loans and leases to deposits | 81.2374% | 2,826 |
| Net loans and leases to core deposits | 84.7780% | 3,056 |
| Total domestic deposits to total assets | 83.2183% | 3,507 |
| Equity capital to assets | 11.8935% | 2,189 |
| Core capital (leverage) ratio | 9.8900% | 3,707 |
| Tier 1 risk-based capital ratio | 11.9531% | 4,817 |
| Total risk-based capital ratio | 12.9420% | 4,885 |
| Memoranda: | ||
| Average total assets | $598,765,250 | 1,169 |
| Average earning assets | $538,977,000 | 1,194 |
| Average equity | $72,391,000 | 1,098 |
| Average total loans | $421,525,250 | 1,158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,911 |
| Cost of funding earning assets | 0.2683% | 4,461 |
| Net interest margin | 3.8208% | 2,239 |
| Noninterest income to average assets | 1.1148% | 904 |
| Noninterest expense to average assets | 3.1183% | 2,009 |
| Loan and lease loss provision to assets | 0.0338% | 3,475 |
| Net operating income to assets | 1.0066% | 2,360 |
| Return on assets (ROA) | 1.0168% | 2,449 |
| Pretax return on assets | 1.4179% | 1,957 |
| Return on Equity (ROE) | 8.3627% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.4490% | 3,698 |
| Net charge-offs to loans | 0.2172% | 1,075 |
| Credit loss provision to net charge-offs | 21.8818% | 2,916 |
| Earnings coverage of net charge-offs (x) | 9.3085% | 2,431 |
| Efficiency ratio | 67.4826% | 3,453 |
| Assets per employee ($millions) | 3.4282% | 4,874 |
| Cash dividends to net income (ytd only)* | 58.7571% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,486 |
| Loan loss allowance to noncurrent loans | 294.0191% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,957 |
| Noncurrent loans to loans | 0.4000% | 3,924 |
| Net loans and leases to total assets | 69.2465% | 2,598 |
| Net loans and leases to deposits | 83.3608% | 2,548 |
| Net loans and leases to core deposits | 87.3804% | 2,787 |
| Total domestic deposits to total assets | 83.0683% | 3,621 |
| Equity capital to assets | 12.1978% | 1,973 |
| Core capital (leverage) ratio | 9.8579% | 3,737 |
| Tier 1 risk-based capital ratio | 12.0534% | 4,789 |
| Total risk-based capital ratio | 13.0726% | 4,839 |
| Memoranda: | ||
| Average total assets | $591,864,670 | 1,190 |
| Average earning assets | $533,030,000 | 1,212 |
| Average equity | $71,962,670 | 1,106 |
| Average total loans | $420,808,330 | 1,159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,708 |
| Cost of funding earning assets | 0.2665% | 4,538 |
| Net interest margin | 3.8689% | 2,043 |
| Noninterest income to average assets | 1.1270% | 858 |
| Noninterest expense to average assets | 3.0783% | 2,150 |
| Loan and lease loss provision to assets | 0.0678% | 2,601 |
| Net operating income to assets | 1.0436% | 2,105 |
| Return on assets (ROA) | 1.0639% | 2,148 |
| Pretax return on assets | 1.4968% | 1,600 |
| Return on Equity (ROE) | 8.7642% | 2,533 |
| Retained earnings to average equity (ytd only) | 5.4944% | 2,656 |
| Net charge-offs to loans | 0.1809% | 1,072 |
| Credit loss provision to net charge-offs | 52.3560% | 2,031 |
| Earnings coverage of net charge-offs (x) | 11.8534% | 1,837 |
| Efficiency ratio | 65.7550% | 3,849 |
| Assets per employee ($millions) | 3.5142% | 4,789 |
| Cash dividends to net income (ytd only)* | 37.3087% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 3,323 |
| Loan loss allowance to noncurrent loans | 270.7419% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,520 |
| Noncurrent loans to loans | 0.4534% | 3,818 |
| Net loans and leases to total assets | 69.7923% | 2,378 |
| Net loans and leases to deposits | 83.7477% | 2,337 |
| Net loans and leases to core deposits | 87.7534% | 2,587 |
| Total domestic deposits to total assets | 83.3363% | 3,778 |
| Equity capital to assets | 12.0938% | 1,960 |
| Core capital (leverage) ratio | 9.9803% | 3,553 |
| Tier 1 risk-based capital ratio | 11.8757% | 4,989 |
| Total risk-based capital ratio | 12.9394% | 5,029 |
| Memoranda: | ||
| Average total assets | $589,542,000 | 1,196 |
| Average earning assets | $531,419,500 | 1,218 |
| Average equity | $71,563,500 | 1,103 |
| Average total loans | $422,223,500 | 1,152 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 2,588 |
| Cost of funding earning assets | 0.2719% | 4,561 |
| Net interest margin | 3.9204% | 1,964 |
| Noninterest income to average assets | 1.2483% | 771 |
| Noninterest expense to average assets | 3.2729% | 1,779 |
| Loan and lease loss provision to assets | 0.0444% | 3,439 |
| Net operating income to assets | 1.0739% | 2,027 |
| Return on assets (ROA) | 1.0773% | 2,087 |
| Pretax return on assets | 1.4477% | 1,730 |
| Return on Equity (ROE) | 8.8440% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.9213% | 1,837 |
| Net charge-offs to loans | 0.0373% | 3,475 |
| Credit loss provision to net charge-offs | 162.3377% | 1,655 |
| Earnings coverage of net charge-offs (x) | 54.3961% | 945 |
| Efficiency ratio | 67.7384% | 3,613 |
| Assets per employee ($millions) | 3.3429% | 5,080 |
| Cash dividends to net income (ytd only)* | 33.0476% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,184 |
| Loan loss allowance to noncurrent loans | 187.1185% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 3,068 |
| Noncurrent loans to loans | 0.6673% | 3,195 |
| Net loans and leases to total assets | 71.6976% | 2,105 |
| Net loans and leases to deposits | 87.2189% | 1,975 |
| Net loans and leases to core deposits | 91.8439% | 2,238 |
| Total domestic deposits to total assets | 82.2042% | 4,112 |
| Equity capital to assets | 12.1851% | 1,821 |
| Core capital (leverage) ratio | 9.8868% | 3,660 |
| Tier 1 risk-based capital ratio | 11.3424% | 5,352 |
| Total risk-based capital ratio | 12.3933% | 5,348 |
| Memoranda: | ||
| Average total assets | $563,164,000 | 1,215 |
| Average earning assets | $504,521,000 | 1,236 |
| Average equity | $68,600,200 | 1,109 |
| Average total loans | $412,940,600 | 1,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,581 |
| Cost of funding earning assets | 0.2707% | 4,654 |
| Net interest margin | 3.9265% | 1,944 |
| Noninterest income to average assets | 1.3124% | 706 |
| Noninterest expense to average assets | 3.2369% | 1,860 |
| Loan and lease loss provision to assets | 0.0477% | 3,247 |
| Net operating income to assets | 1.1435% | 1,853 |
| Return on assets (ROA) | 1.1477% | 1,905 |
| Pretax return on assets | 1.5449% | 1,559 |
| Return on Equity (ROE) | 9.4229% | 2,339 |
| Retained earnings to average equity (ytd only) | 6.4440% | 1,994 |
| Net charge-offs to loans | 0.0555% | 2,807 |
| Credit loss provision to net charge-offs | 116.9591% | 2,033 |
| Earnings coverage of net charge-offs (x) | 38.8779% | 1,273 |
| Efficiency ratio | 66.0926% | 3,880 |
| Assets per employee ($millions) | 3.4881% | 4,809 |
| Cash dividends to net income (ytd only)* | 31.6140% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 3,272 |
| Loan loss allowance to noncurrent loans | 144.9735% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 2,815 |
| Noncurrent loans to loans | 0.8735% | 2,798 |
| Net loans and leases to total assets | 69.6816% | 2,437 |
| Net loans and leases to deposits | 84.9984% | 2,283 |
| Net loans and leases to core deposits | 89.9117% | 2,476 |
| Total domestic deposits to total assets | 81.9800% | 4,170 |
| Equity capital to assets | 12.0316% | 2,083 |
| Core capital (leverage) ratio | 9.9877% | 3,649 |
| Tier 1 risk-based capital ratio | 11.7892% | 5,211 |
| Total risk-based capital ratio | 12.8828% | 5,229 |
| Memoranda: | ||
| Average total assets | $558,537,250 | 1,227 |
| Average earning assets | $499,496,250 | 1,255 |
| Average equity | $68,031,000 | 1,127 |
| Average total loans | $410,596,500 | 1,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,469 |
| Cost of funding earning assets | 0.2659% | 4,762 |
| Net interest margin | 3.9556% | 1,789 |
| Noninterest income to average assets | 1.3768% | 659 |
| Noninterest expense to average assets | 3.3138% | 1,660 |
| Loan and lease loss provision to assets | 0.0545% | 3,022 |
| Net operating income to assets | 1.1646% | 1,726 |
| Return on assets (ROA) | 1.1712% | 1,767 |
| Pretax return on assets | 1.5461% | 1,502 |
| Return on Equity (ROE) | 9.5744% | 2,268 |
| Retained earnings to average equity (ytd only) | 6.4978% | 1,946 |
| Net charge-offs to loans | 0.0643% | 2,460 |
| Credit loss provision to net charge-offs | 113.6364% | 1,878 |
| Earnings coverage of net charge-offs (x) | 33.1970% | 1,279 |
| Efficiency ratio | 66.5136% | 3,915 |
| Assets per employee ($millions) | 3.3972% | 4,986 |
| Cash dividends to net income (ytd only)* | 32.1340% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,464 |
| Loan loss allowance to noncurrent loans | 239.8892% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 3,353 |
| Noncurrent loans to loans | 0.5249% | 3,884 |
| Net loans and leases to total assets | 73.1367% | 1,794 |
| Net loans and leases to deposits | 89.0045% | 1,719 |
| Net loans and leases to core deposits | 94.5470% | 1,905 |
| Total domestic deposits to total assets | 82.1719% | 4,240 |
| Equity capital to assets | 12.3010% | 1,796 |
| Core capital (leverage) ratio | 10.0141% | 3,574 |
| Tier 1 risk-based capital ratio | 11.9818% | 5,169 |
| Total risk-based capital ratio | 13.1138% | 5,137 |
| Memoranda: | ||
| Average total assets | $550,543,670 | 1,245 |
| Average earning assets | $491,147,670 | 1,291 |
| Average equity | $67,346,000 | 1,139 |
| Average total loans | $410,424,000 | 1,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 2,437 |
| Cost of funding earning assets | 0.2593% | 4,918 |
| Net interest margin | 3.9458% | 1,727 |
| Noninterest income to average assets | 1.0525% | 1,015 |
| Noninterest expense to average assets | 3.2410% | 1,869 |
| Loan and lease loss provision to assets | 0.0548% | 2,837 |
| Net operating income to assets | 0.9179% | 2,661 |
| Return on assets (ROA) | 0.9305% | 2,733 |
| Pretax return on assets | 1.2894% | 2,335 |
| Return on Equity (ROE) | 7.6282% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.1767% | 3,500 |
| Net charge-offs to loans | 0.1055% | 1,682 |
| Credit loss provision to net charge-offs | 69.4444% | 1,920 |
| Earnings coverage of net charge-offs (x) | 16.8056% | 1,552 |
| Efficiency ratio | 69.8352% | 3,520 |
| Assets per employee ($millions) | 3.4516% | 4,983 |
| Cash dividends to net income (ytd only)* | 45.2474% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 3,629 |
| Loan loss allowance to noncurrent loans | 221.9154% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 2,814 |
| Noncurrent loans to loans | 0.5681% | 3,881 |
| Net loans and leases to total assets | 72.9482% | 1,664 |
| Net loans and leases to deposits | 88.7457% | 1,537 |
| Net loans and leases to core deposits | 94.7086% | 1,715 |
| Total domestic deposits to total assets | 82.1992% | 4,458 |
| Equity capital to assets | 12.1884% | 1,902 |
| Core capital (leverage) ratio | 9.8975% | 3,754 |
| Tier 1 risk-based capital ratio | 11.9513% | 5,273 |
| Total risk-based capital ratio | 13.1006% | 5,227 |
| Memoranda: | ||
| Average total assets | $547,244,000 | 1,257 |
| Average earning assets | $487,508,000 | 1,301 |
| Average equity | $66,752,000 | 1,149 |
| Average total loans | $409,300,000 | 1,120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,130 |
| Cost of funding earning assets | 0.2747% | 5,053 |
| Net interest margin | 3.8740% | 2,341 |
| Noninterest income to average assets | 1.1401% | 932 |
| Noninterest expense to average assets | 3.2542% | 2,062 |
| Loan and lease loss provision to assets | 0.0726% | 3,028 |
| Net operating income to assets | 0.9079% | 2,834 |
| Return on assets (ROA) | 0.9197% | 2,876 |
| Pretax return on assets | 1.2740% | 2,332 |
| Return on Equity (ROE) | 7.8894% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.2627% | 2,423 |
| Net charge-offs to loans | 0.1176% | 2,863 |
| Credit loss provision to net charge-offs | 86.7679% | 2,714 |
| Earnings coverage of net charge-offs (x) | 15.8894% | 2,054 |
| Efficiency ratio | 69.8582% | 3,554 |
| Assets per employee ($millions) | 3.2665% | 5,320 |
| Cash dividends to net income (ytd only)* | 33.2938% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 3,657 |
| Loan loss allowance to noncurrent loans | 191.4571% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 2,585 |
| Noncurrent loans to loans | 0.6586% | 3,710 |
| Net loans and leases to total assets | 74.7684% | 1,454 |
| Net loans and leases to deposits | 91.0634% | 1,395 |
| Net loans and leases to core deposits | 94.3381% | 1,884 |
| Total domestic deposits to total assets | 82.1058% | 4,380 |
| Equity capital to assets | 12.2075% | 1,853 |
| Core capital (leverage) ratio | 9.9070% | 3,701 |
| Tier 1 risk-based capital ratio | 12.0154% | 5,356 |
| Total risk-based capital ratio | 13.2038% | 5,294 |
| Memoranda: | ||
| Average total assets | $550,641,200 | 1,212 |
| Average earning assets | $489,573,400 | 1,254 |
| Average equity | $64,187,000 | 1,141 |
| Average total loans | $391,994,600 | 1,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,330 |
| Cost of funding earning assets | 0.2852% | 5,045 |
| Net interest margin | 3.8259% | 2,523 |
| Noninterest income to average assets | 1.1163% | 976 |
| Noninterest expense to average assets | 3.2050% | 2,162 |
| Loan and lease loss provision to assets | 0.0784% | 2,776 |
| Net operating income to assets | 0.8917% | 2,947 |
| Return on assets (ROA) | 0.9058% | 2,981 |
| Pretax return on assets | 1.2536% | 2,560 |
| Return on Equity (ROE) | 7.8613% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.2465% | 2,922 |
| Net charge-offs to loans | 0.1064% | 2,736 |
| Credit loss provision to net charge-offs | 105.1780% | 2,113 |
| Earnings coverage of net charge-offs (x) | 17.6084% | 1,891 |
| Efficiency ratio | 69.8099% | 3,545 |
| Assets per employee ($millions) | 3.2491% | 5,331 |
| Cash dividends to net income (ytd only)* | 33.2623% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 3,554 |
| Loan loss allowance to noncurrent loans | 201.8440% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 2,822 |
| Noncurrent loans to loans | 0.6535% | 3,980 |
| Net loans and leases to total assets | 72.4366% | 1,775 |
| Net loans and leases to deposits | 85.6380% | 1,948 |
| Net loans and leases to core deposits | 88.9671% | 2,332 |
| Total domestic deposits to total assets | 84.5847% | 3,504 |
| Equity capital to assets | 12.0143% | 2,042 |
| Core capital (leverage) ratio | 9.6710% | 4,128 |
| Tier 1 risk-based capital ratio | 12.0861% | 5,434 |
| Total risk-based capital ratio | 13.3211% | 5,356 |
| Memoranda: | ||
| Average total assets | $552,743,250 | 1,214 |
| Average earning assets | $491,372,250 | 1,262 |
| Average equity | $63,685,500 | 1,157 |
| Average total loans | $387,344,250 | 1,148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,457 |
| Cost of funding earning assets | 0.2950% | 5,016 |
| Net interest margin | 3.7767% | 2,648 |
| Noninterest income to average assets | 1.0609% | 1,056 |
| Noninterest expense to average assets | 3.1500% | 2,330 |
| Loan and lease loss provision to assets | 0.0809% | 2,680 |
| Net operating income to assets | 0.8561% | 3,039 |
| Return on assets (ROA) | 0.8656% | 3,069 |
| Pretax return on assets | 1.1954% | 2,681 |
| Return on Equity (ROE) | 7.6190% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.0456% | 2,934 |
| Net charge-offs to loans | 0.1183% | 2,484 |
| Credit loss provision to net charge-offs | 99.1189% | 2,037 |
| Earnings coverage of net charge-offs (x) | 15.4714% | 1,846 |
| Efficiency ratio | 70.2225% | 3,621 |
| Assets per employee ($millions) | 3.2941% | 5,258 |
| Cash dividends to net income (ytd only)* | 33.7765% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 3,543 |
| Loan loss allowance to noncurrent loans | 165.6438% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 2,911 |
| Noncurrent loans to loans | 0.8209% | 3,655 |
| Net loans and leases to total assets | 69.4642% | 2,166 |
| Net loans and leases to deposits | 82.9196% | 2,147 |
| Net loans and leases to core deposits | 85.5323% | 2,561 |
| Total domestic deposits to total assets | 83.7730% | 4,006 |
| Equity capital to assets | 11.7383% | 2,218 |
| Core capital (leverage) ratio | 9.2214% | 4,704 |
| Tier 1 risk-based capital ratio | 12.0371% | 5,521 |
| Total risk-based capital ratio | 13.2862% | 5,453 |
| Memoranda: | ||
| Average total assets | $556,123,000 | 1,201 |
| Average earning assets | $493,602,330 | 1,255 |
| Average equity | $63,184,000 | 1,158 |
| Average total loans | $383,693,000 | 1,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,639 |
| Cost of funding earning assets | 0.3179% | 4,887 |
| Net interest margin | 3.6925% | 2,892 |
| Noninterest income to average assets | 1.0821% | 953 |
| Noninterest expense to average assets | 3.1977% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8426% | 2,938 |
| Return on assets (ROA) | 0.8595% | 2,923 |
| Pretax return on assets | 1.1891% | 2,533 |
| Return on Equity (ROE) | 7.6895% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.2774% | 2,939 |
| Net charge-offs to loans | 0.1462% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.6714% | 1,765 |
| Efficiency ratio | 72.1269% | 3,463 |
| Assets per employee ($millions) | 3.4908% | 4,933 |
| Cash dividends to net income (ytd only)* | 31.3693% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,892 |
| Loan loss allowance to noncurrent loans | 167.9736% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 3,280 |
| Noncurrent loans to loans | 0.7989% | 3,873 |
| Net loans and leases to total assets | 64.2872% | 2,842 |
| Net loans and leases to deposits | 74.8950% | 2,956 |
| Net loans and leases to core deposits | 77.1736% | 3,284 |
| Total domestic deposits to total assets | 85.8365% | 3,441 |
| Equity capital to assets | 10.8168% | 2,918 |
| Core capital (leverage) ratio | 9.2819% | 4,603 |
| Tier 1 risk-based capital ratio | 12.3198% | 5,426 |
| Total risk-based capital ratio | 13.5700% | 5,356 |
| Memoranda: | ||
| Average total assets | $560,775,500 | 1,192 |
| Average earning assets | $498,301,500 | 1,246 |
| Average equity | $62,682,500 | 1,167 |
| Average total loans | $383,000,000 | 1,148 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 3,306 |
| Cost of funding earning assets | 0.4023% | 4,623 |
| Net interest margin | 3.8098% | 2,619 |
| Noninterest income to average assets | 1.3244% | 787 |
| Noninterest expense to average assets | 3.3593% | 1,977 |
| Loan and lease loss provision to assets | 0.1409% | 2,545 |
| Net operating income to assets | 0.8697% | 2,927 |
| Return on assets (ROA) | 0.8886% | 2,930 |
| Pretax return on assets | 1.2353% | 2,436 |
| Return on Equity (ROE) | 7.7409% | 3,172 |
| Retained earnings to average equity (ytd only) | 5.3494% | 2,385 |
| Net charge-offs to loans | 0.2603% | 2,405 |
| Credit loss provision to net charge-offs | 77.5595% | 3,105 |
| Earnings coverage of net charge-offs (x) | 7.4292% | 2,846 |
| Efficiency ratio | 70.1528% | 3,817 |
| Assets per employee ($millions) | 3.1869% | 5,514 |
| Cash dividends to net income (ytd only)* | 30.8945% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 3,861 |
| Loan loss allowance to noncurrent loans | 132.2060% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 3,263 |
| Noncurrent loans to loans | 1.0261% | 3,464 |
| Net loans and leases to total assets | 70.7208% | 1,896 |
| Net loans and leases to deposits | 84.3738% | 1,880 |
| Net loans and leases to core deposits | 87.2440% | 2,323 |
| Total domestic deposits to total assets | 83.8184% | 4,234 |
| Equity capital to assets | 11.5686% | 2,117 |
| Core capital (leverage) ratio | 9.3208% | 4,516 |
| Tier 1 risk-based capital ratio | 12.0098% | 5,608 |
| Total risk-based capital ratio | 13.2603% | 5,547 |
| Memoranda: | ||
| Average total assets | $532,161,600 | 1,248 |
| Average earning assets | $472,806,400 | 1,286 |
| Average equity | $61,091,200 | 1,177 |
| Average total loans | $371,543,400 | 1,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 3,380 |
| Cost of funding earning assets | 0.4119% | 4,706 |
| Net interest margin | 3.7917% | 2,668 |
| Noninterest income to average assets | 1.3452% | 810 |
| Noninterest expense to average assets | 3.3473% | 1,957 |
| Loan and lease loss provision to assets | 0.1633% | 2,212 |
| Net operating income to assets | 0.8786% | 2,941 |
| Return on assets (ROA) | 0.8808% | 3,043 |
| Pretax return on assets | 1.2083% | 2,661 |
| Return on Equity (ROE) | 7.6878% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.3299% | 2,852 |
| Net charge-offs to loans | 0.2566% | 2,275 |
| Credit loss provision to net charge-offs | 91.8079% | 2,589 |
| Earnings coverage of net charge-offs (x) | 7.6921% | 2,754 |
| Efficiency ratio | 69.7964% | 3,788 |
| Assets per employee ($millions) | 3.0771% | 5,720 |
| Cash dividends to net income (ytd only)* | 30.6705% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 3,679 |
| Loan loss allowance to noncurrent loans | 104.2294% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 3,234 |
| Noncurrent loans to loans | 1.3929% | 3,084 |
| Net loans and leases to total assets | 68.4224% | 2,235 |
| Net loans and leases to deposits | 81.5200% | 2,200 |
| Net loans and leases to core deposits | 84.2533% | 2,626 |
| Total domestic deposits to total assets | 83.9332% | 4,214 |
| Equity capital to assets | 11.4712% | 2,325 |
| Core capital (leverage) ratio | 9.3377% | 4,636 |
| Tier 1 risk-based capital ratio | 12.4845% | 5,467 |
| Total risk-based capital ratio | 13.7290% | 5,411 |
| Memoranda: | ||
| Average total assets | $530,557,000 | 1,267 |
| Average earning assets | $471,646,000 | 1,298 |
| Average equity | $60,787,500 | 1,194 |
| Average total loans | $367,897,750 | 1,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 3,463 |
| Cost of funding earning assets | 0.4236% | 4,722 |
| Net interest margin | 3.7491% | 2,767 |
| Noninterest income to average assets | 1.3518% | 858 |
| Noninterest expense to average assets | 3.3751% | 1,879 |
| Loan and lease loss provision to assets | 0.1512% | 2,431 |
| Net operating income to assets | 0.8500% | 3,041 |
| Return on assets (ROA) | 0.8500% | 3,193 |
| Pretax return on assets | 1.1616% | 2,833 |
| Return on Equity (ROE) | 7.4220% | 3,382 |
| Retained earnings to average equity (ytd only) | 5.0316% | 3,038 |
| Net charge-offs to loans | 0.1424% | 2,957 |
| Credit loss provision to net charge-offs | 153.2567% | 1,506 |
| Earnings coverage of net charge-offs (x) | 13.3027% | 1,909 |
| Efficiency ratio | 70.8017% | 3,676 |
| Assets per employee ($millions) | 2.9818% | 5,882 |
| Cash dividends to net income (ytd only)* | 32.2064% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 3,492 |
| Loan loss allowance to noncurrent loans | 99.3782% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 2,997 |
| Noncurrent loans to loans | 1.5291% | 3,007 |
| Net loans and leases to total assets | 69.4738% | 1,979 |
| Net loans and leases to deposits | 82.1965% | 2,035 |
| Net loans and leases to core deposits | 85.4604% | 2,388 |
| Total domestic deposits to total assets | 84.5216% | 4,120 |
| Equity capital to assets | 11.6581% | 2,168 |
| Core capital (leverage) ratio | 9.0840% | 4,851 |
| Tier 1 risk-based capital ratio | 12.4722% | 5,528 |
| Total risk-based capital ratio | 13.7252% | 5,464 |
| Memoranda: | ||
| Average total assets | $528,936,000 | 1,266 |
| Average earning assets | $470,672,000 | 1,299 |
| Average equity | $60,577,000 | 1,202 |
| Average total loans | $366,615,670 | 1,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 3,685 |
| Cost of funding earning assets | 0.4414% | 4,691 |
| Net interest margin | 3.6683% | 2,996 |
| Noninterest income to average assets | 1.3694% | 820 |
| Noninterest expense to average assets | 3.3683% | 1,902 |
| Loan and lease loss provision to assets | 0.1690% | 2,170 |
| Net operating income to assets | 0.8308% | 3,005 |
| Return on assets (ROA) | 0.8308% | 3,146 |
| Pretax return on assets | 1.0967% | 2,960 |
| Return on Equity (ROE) | 7.3186% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.9232% | 3,283 |
| Net charge-offs to loans | 0.4898% | 1,225 |
| Credit loss provision to net charge-offs | 50.2232% | 2,593 |
| Earnings coverage of net charge-offs (x) | 3.7612% | 2,682 |
| Efficiency ratio | 71.4865% | 3,717 |
| Assets per employee ($millions) | 3.1575% | 5,718 |
| Cash dividends to net income (ytd only)* | 32.7306% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 4,011 |
| Loan loss allowance to noncurrent loans | 106.5798% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 3,542 |
| Noncurrent loans to loans | 1.3623% | 3,522 |
| Net loans and leases to total assets | 66.1573% | 2,348 |
| Net loans and leases to deposits | 78.0397% | 2,333 |
| Net loans and leases to core deposits | 81.3148% | 2,652 |
| Total domestic deposits to total assets | 84.7740% | 4,147 |
| Equity capital to assets | 11.3352% | 2,595 |
| Core capital (leverage) ratio | 8.9037% | 5,051 |
| Tier 1 risk-based capital ratio | 12.3937% | 5,650 |
| Total risk-based capital ratio | 13.6457% | 5,594 |
| Memoranda: | ||
| Average total assets | $532,498,500 | 1,273 |
| Average earning assets | $473,895,500 | 1,305 |
| Average equity | $60,449,000 | 1,216 |
| Average total loans | $365,865,500 | 1,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 3,897 |
| Cost of funding earning assets | 0.5444% | 4,866 |
| Net interest margin | 3.8354% | 3,083 |
| Noninterest income to average assets | 1.3677% | 835 |
| Noninterest expense to average assets | 3.2997% | 2,333 |
| Loan and lease loss provision to assets | 0.2623% | 2,546 |
| Net operating income to assets | 0.9001% | 2,818 |
| Return on assets (ROA) | 0.9005% | 3,054 |
| Pretax return on assets | 1.2068% | 2,785 |
| Return on Equity (ROE) | 7.8354% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.0242% | 3,380 |
| Net charge-offs to loans | 0.3746% | 2,757 |
| Credit loss provision to net charge-offs | 103.2900% | 2,903 |
| Earnings coverage of net charge-offs (x) | 5.7819% | 2,949 |
| Efficiency ratio | 67.8771% | 4,172 |
| Assets per employee ($millions) | 3.0533% | 5,933 |
| Cash dividends to net income (ytd only)* | 48.6405% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,874 |
| Loan loss allowance to noncurrent loans | 100.7201% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 3,411 |
| Noncurrent loans to loans | 1.4583% | 3,410 |
| Net loans and leases to total assets | 69.2754% | 1,981 |
| Net loans and leases to deposits | 82.2720% | 1,964 |
| Net loans and leases to core deposits | 85.8614% | 2,325 |
| Total domestic deposits to total assets | 84.2030% | 4,222 |
| Equity capital to assets | 11.3690% | 2,569 |
| Core capital (leverage) ratio | 9.0046% | 4,894 |
| Tier 1 risk-based capital ratio | 12.0061% | 5,786 |
| Total risk-based capital ratio | 13.2585% | 5,737 |
| Memoranda: | ||
| Average total assets | $514,594,600 | 1,298 |
| Average earning assets | $456,246,000 | 1,340 |
| Average equity | $59,141,800 | 1,202 |
| Average total loans | $348,905,000 | 1,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 4,057 |
| Cost of funding earning assets | 0.5690% | 4,921 |
| Net interest margin | 3.8288% | 3,212 |
| Noninterest income to average assets | 1.3190% | 846 |
| Noninterest expense to average assets | 3.2775% | 2,333 |
| Loan and lease loss provision to assets | 0.2739% | 2,387 |
| Net operating income to assets | 0.8826% | 3,063 |
| Return on assets (ROA) | 0.8831% | 3,303 |
| Pretax return on assets | 1.1643% | 3,114 |
| Return on Equity (ROE) | 7.6629% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.6213% | 3,647 |
| Net charge-offs to loans | 0.4272% | 2,388 |
| Credit loss provision to net charge-offs | 95.4545% | 3,127 |
| Earnings coverage of net charge-offs (x) | 5.0100% | 3,138 |
| Efficiency ratio | 68.1640% | 4,028 |
| Assets per employee ($millions) | 3.0984% | 5,856 |
| Cash dividends to net income (ytd only)* | 39.6930% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,871 |
| Loan loss allowance to noncurrent loans | 96.2139% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 3,549 |
| Noncurrent loans to loans | 1.5792% | 3,422 |
| Net loans and leases to total assets | 67.5704% | 2,355 |
| Net loans and leases to deposits | 80.4952% | 2,314 |
| Net loans and leases to core deposits | 84.2445% | 2,666 |
| Total domestic deposits to total assets | 83.9434% | 4,244 |
| Equity capital to assets | 11.6642% | 2,576 |
| Core capital (leverage) ratio | 9.0279% | 5,020 |
| Tier 1 risk-based capital ratio | 12.5478% | 5,605 |
| Total risk-based capital ratio | 13.8008% | 5,565 |
| Memoranda: | ||
| Average total assets | $511,188,500 | 1,324 |
| Average earning assets | $453,398,500 | 1,364 |
| Average equity | $58,914,000 | 1,208 |
| Average total loans | $343,286,000 | 1,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 4,282 |
| Cost of funding earning assets | 0.5938% | 4,952 |
| Net interest margin | 3.7814% | 3,450 |
| Noninterest income to average assets | 1.2867% | 858 |
| Noninterest expense to average assets | 3.2477% | 2,444 |
| Loan and lease loss provision to assets | 0.2744% | 2,391 |
| Net operating income to assets | 0.8495% | 3,148 |
| Return on assets (ROA) | 0.8504% | 3,415 |
| Pretax return on assets | 1.1209% | 3,231 |
| Return on Equity (ROE) | 7.4085% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,682 |
| Net charge-offs to loans | 0.5557% | 1,922 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 3.7630% | 3,277 |
| Efficiency ratio | 68.5895% | 4,022 |
| Assets per employee ($millions) | 3.0276% | 6,015 |
| Cash dividends to net income (ytd only)* | 40.5717% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 4,146 |
| Loan loss allowance to noncurrent loans | 81.9508% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 3,535 |
| Noncurrent loans to loans | 1.7972% | 3,221 |
| Net loans and leases to total assets | 68.7769% | 2,145 |
| Net loans and leases to deposits | 82.6145% | 2,034 |
| Net loans and leases to core deposits | 87.1723% | 2,293 |
| Total domestic deposits to total assets | 83.2503% | 4,652 |
| Equity capital to assets | 11.7814% | 2,335 |
| Core capital (leverage) ratio | 8.8654% | 5,101 |
| Tier 1 risk-based capital ratio | 12.3221% | 5,708 |
| Total risk-based capital ratio | 13.5746% | 5,675 |
| Memoranda: | ||
| Average total assets | $510,139,330 | 1,327 |
| Average earning assets | $452,642,330 | 1,364 |
| Average equity | $58,554,330 | 1,210 |
| Average total loans | $340,081,000 | 1,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 4,621 |
| Cost of funding earning assets | 0.6213% | 4,953 |
| Net interest margin | 3.7070% | 3,795 |
| Noninterest income to average assets | 1.2376% | 930 |
| Noninterest expense to average assets | 3.2574% | 2,421 |
| Loan and lease loss provision to assets | 0.1751% | 3,211 |
| Net operating income to assets | 0.8334% | 3,227 |
| Return on assets (ROA) | 0.8352% | 3,454 |
| Pretax return on assets | 1.0951% | 3,342 |
| Return on Equity (ROE) | 7.3713% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.5135% | 3,873 |
| Net charge-offs to loans | 0.1338% | 3,304 |
| Credit loss provision to net charge-offs | 200.8929% | 1,330 |
| Earnings coverage of net charge-offs (x) | 14.5446% | 1,464 |
| Efficiency ratio | 70.5882% | 3,705 |
| Assets per employee ($millions) | 3.1280% | 5,904 |
| Cash dividends to net income (ytd only)* | 38.7698% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,556 |
| Loan loss allowance to noncurrent loans | 89.8666% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 3,857 |
| Noncurrent loans to loans | 1.8324% | 3,364 |
| Net loans and leases to total assets | 63.5520% | 2,933 |
| Net loans and leases to deposits | 75.8218% | 2,824 |
| Net loans and leases to core deposits | 80.9565% | 2,953 |
| Total domestic deposits to total assets | 83.8176% | 4,580 |
| Equity capital to assets | 11.2670% | 2,661 |
| Core capital (leverage) ratio | 8.6109% | 5,431 |
| Tier 1 risk-based capital ratio | 12.6919% | 5,453 |
| Total risk-based capital ratio | 13.9463% | 5,409 |
| Memoranda: | ||
| Average total assets | $513,914,500 | 1,320 |
| Average earning assets | $455,789,500 | 1,358 |
| Average equity | $58,225,500 | 1,220 |
| Average total loans | $334,705,500 | 1,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 5,239 |
| Cost of funding earning assets | 0.7621% | 5,122 |
| Net interest margin | 3.6921% | 4,332 |
| Noninterest income to average assets | 1.2619% | 814 |
| Noninterest expense to average assets | 3.3586% | 2,344 |
| Loan and lease loss provision to assets | 0.2102% | 4,086 |
| Net operating income to assets | 0.7325% | 3,328 |
| Return on assets (ROA) | 0.7369% | 3,478 |
| Pretax return on assets | 0.9609% | 3,390 |
| Return on Equity (ROE) | 6.5186% | 3,632 |
| Retained earnings to average equity (ytd only) | 3.9746% | 3,370 |
| Net charge-offs to loans | 0.4234% | 3,309 |
| Credit loss provision to net charge-offs | 78.8288% | 4,506 |
| Earnings coverage of net charge-offs (x) | 4.3709% | 3,138 |
| Efficiency ratio | 72.7426% | 3,442 |
| Assets per employee ($millions) | 2.9741% | 6,147 |
| Cash dividends to net income (ytd only)* | 39.0277% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 3,510 |
| Loan loss allowance to noncurrent loans | 94.7977% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 3,858 |
| Noncurrent loans to loans | 1.7098% | 3,596 |
| Net loans and leases to total assets | 64.5878% | 3,062 |
| Net loans and leases to deposits | 77.9332% | 2,853 |
| Net loans and leases to core deposits | 82.9399% | 3,034 |
| Total domestic deposits to total assets | 82.8758% | 4,796 |
| Equity capital to assets | 11.3939% | 2,600 |
| Core capital (leverage) ratio | 8.5672% | 5,450 |
| Tier 1 risk-based capital ratio | 12.4056% | 5,529 |
| Total risk-based capital ratio | 13.6596% | 5,501 |
| Memoranda: | ||
| Average total assets | $499,640,000 | 1,343 |
| Average earning assets | $441,425,000 | 1,371 |
| Average equity | $56,484,200 | 1,203 |
| Average total loans | $314,579,800 | 1,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 5,472 |
| Cost of funding earning assets | 0.7845% | 5,251 |
| Net interest margin | 3.6521% | 4,555 |
| Noninterest income to average assets | 1.2515% | 827 |
| Noninterest expense to average assets | 3.3434% | 2,365 |
| Loan and lease loss provision to assets | 0.2345% | 3,666 |
| Net operating income to assets | 0.6990% | 3,625 |
| Return on assets (ROA) | 0.6999% | 3,792 |
| Pretax return on assets | 0.9004% | 3,767 |
| Return on Equity (ROE) | 6.2034% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.9178% | 3,931 |
| Net charge-offs to loans | 0.5040% | 2,745 |
| Credit loss provision to net charge-offs | 74.7225% | 4,331 |
| Earnings coverage of net charge-offs (x) | 3.6123% | 3,368 |
| Efficiency ratio | 73.1545% | 3,341 |
| Assets per employee ($millions) | 2.9921% | 6,134 |
| Cash dividends to net income (ytd only)* | 36.8439% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 3,216 |
| Loan loss allowance to noncurrent loans | 86.6453% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 3,943 |
| Noncurrent loans to loans | 1.9806% | 3,395 |
| Net loans and leases to total assets | 60.0722% | 4,117 |
| Net loans and leases to deposits | 71.9144% | 4,003 |
| Net loans and leases to core deposits | 76.5641% | 4,122 |
| Total domestic deposits to total assets | 83.5329% | 4,464 |
| Equity capital to assets | 11.1613% | 2,995 |
| Core capital (leverage) ratio | 8.6870% | 5,430 |
| Tier 1 risk-based capital ratio | 12.8865% | 5,180 |
| Total risk-based capital ratio | 14.1415% | 5,157 |
| Memoranda: | ||
| Average total assets | $497,405,250 | 1,346 |
| Average earning assets | $439,330,750 | 1,391 |
| Average equity | $56,118,500 | 1,211 |
| Average total loans | $309,751,750 | 1,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 5,467 |
| Cost of funding earning assets | 0.8116% | 5,292 |
| Net interest margin | 3.6532% | 4,506 |
| Noninterest income to average assets | 1.2383% | 823 |
| Noninterest expense to average assets | 3.3950% | 2,272 |
| Loan and lease loss provision to assets | 0.2034% | 3,892 |
| Net operating income to assets | 0.6734% | 3,676 |
| Return on assets (ROA) | 0.6740% | 3,791 |
| Pretax return on assets | 0.8632% | 3,786 |
| Return on Equity (ROE) | 5.9521% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.6388% | 3,915 |
| Net charge-offs to loans | 0.5140% | 2,559 |
| Credit loss provision to net charge-offs | 63.1313% | 4,269 |
| Earnings coverage of net charge-offs (x) | 3.3081% | 3,217 |
| Efficiency ratio | 74.5577% | 3,261 |
| Assets per employee ($millions) | 2.7305% | 6,594 |
| Cash dividends to net income (ytd only)* | 38.8654% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 3,106 |
| Loan loss allowance to noncurrent loans | 82.6752% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 3,895 |
| Noncurrent loans to loans | 2.1337% | 3,308 |
| Net loans and leases to total assets | 62.5973% | 3,771 |
| Net loans and leases to deposits | 75.6153% | 3,543 |
| Net loans and leases to core deposits | 80.9972% | 3,658 |
| Total domestic deposits to total assets | 82.7840% | 4,856 |
| Equity capital to assets | 11.7532% | 2,282 |
| Core capital (leverage) ratio | 8.6407% | 5,324 |
| Tier 1 risk-based capital ratio | 12.9335% | 4,972 |
| Total risk-based capital ratio | 14.1888% | 4,948 |
| Memoranda: | ||
| Average total assets | $491,659,000 | 1,365 |
| Average earning assets | $433,700,000 | 1,416 |
| Average equity | $55,677,670 | 1,203 |
| Average total loans | $308,150,330 | 1,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 5,577 |
| Cost of funding earning assets | 0.8261% | 5,422 |
| Net interest margin | 3.6062% | 4,543 |
| Noninterest income to average assets | 1.2526% | 809 |
| Noninterest expense to average assets | 3.4988% | 2,003 |
| Loan and lease loss provision to assets | 0.1006% | 4,753 |
| Net operating income to assets | 0.6552% | 3,725 |
| Return on assets (ROA) | 0.6565% | 3,793 |
| Pretax return on assets | 0.8367% | 3,757 |
| Return on Equity (ROE) | 5.9050% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.5749% | 4,040 |
| Net charge-offs to loans | 0.3145% | 2,793 |
| Credit loss provision to net charge-offs | 51.4403% | 3,722 |
| Earnings coverage of net charge-offs (x) | 4.7860% | 2,398 |
| Efficiency ratio | 77.3585% | 2,933 |
| Assets per employee ($millions) | 2.6816% | 6,717 |
| Cash dividends to net income (ytd only)* | 39.4608% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 2,944 |
| Loan loss allowance to noncurrent loans | 90.2996% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 4,133 |
| Noncurrent loans to loans | 2.0176% | 3,551 |
| Net loans and leases to total assets | 59.9217% | 4,281 |
| Net loans and leases to deposits | 71.8202% | 4,096 |
| Net loans and leases to core deposits | 77.2389% | 4,126 |
| Total domestic deposits to total assets | 83.4329% | 4,730 |
| Equity capital to assets | 11.0850% | 2,608 |
| Core capital (leverage) ratio | 8.4246% | 5,585 |
| Tier 1 risk-based capital ratio | 12.7193% | 5,041 |
| Total risk-based capital ratio | 13.9752% | 5,013 |
| Memoranda: | ||
| Average total assets | $497,201,000 | 1,353 |
| Average earning assets | $438,683,500 | 1,406 |
| Average equity | $55,275,000 | 1,195 |
| Average total loans | $309,111,000 | 1,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 4,614 |
| Cost of funding earning assets | 0.9752% | 5,814 |
| Net interest margin | 4.0141% | 2,958 |
| Noninterest income to average assets | 1.3707% | 777 |
| Noninterest expense to average assets | 3.7380% | 1,607 |
| Loan and lease loss provision to assets | 0.2899% | 4,480 |
| Net operating income to assets | 0.6779% | 3,308 |
| Return on assets (ROA) | 0.7129% | 3,310 |
| Pretax return on assets | 0.8961% | 3,307 |
| Return on Equity (ROE) | 6.2363% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.7315% | 3,256 |
| Net charge-offs to loans | 0.5425% | 3,439 |
| Credit loss provision to net charge-offs | 78.3030% | 5,622 |
| Earnings coverage of net charge-offs (x) | 3.0854% | 3,530 |
| Efficiency ratio | 75.0810% | 3,195 |
| Assets per employee ($millions) | 2.5150% | 6,992 |
| Cash dividends to net income (ytd only)* | 40.1656% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 2,783 |
| Loan loss allowance to noncurrent loans | 107.5557% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3269% | 4,371 |
| Noncurrent loans to loans | 1.6959% | 3,964 |
| Net loans and leases to total assets | 62.1714% | 4,249 |
| Net loans and leases to deposits | 74.5832% | 4,102 |
| Net loans and leases to core deposits | 80.5830% | 4,119 |
| Total domestic deposits to total assets | 83.3584% | 4,658 |
| Equity capital to assets | 11.1501% | 2,553 |
| Core capital (leverage) ratio | 8.3802% | 5,578 |
| Tier 1 risk-based capital ratio | 12.7099% | 4,857 |
| Total risk-based capital ratio | 13.9668% | 4,823 |
| Memoranda: | ||
| Average total assets | $474,289,000 | 1,411 |
| Average earning assets | $414,690,200 | 1,466 |
| Average equity | $54,214,600 | 1,231 |
| Average total loans | $323,691,800 | 1,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 4,530 |
| Cost of funding earning assets | 0.9958% | 5,957 |
| Net interest margin | 4.0661% | 2,785 |
| Noninterest income to average assets | 1.2940% | 826 |
| Noninterest expense to average assets | 3.7595% | 1,457 |
| Loan and lease loss provision to assets | 0.2200% | 4,860 |
| Net operating income to assets | 0.6869% | 3,486 |
| Return on assets (ROA) | 0.7339% | 3,424 |
| Pretax return on assets | 0.9218% | 3,483 |
| Return on Equity (ROE) | 6.3793% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,765 |
| Net charge-offs to loans | 0.4581% | 3,460 |
| Credit loss provision to net charge-offs | 69.0731% | 5,444 |
| Earnings coverage of net charge-offs (x) | 3.4002% | 3,471 |
| Efficiency ratio | 76.0919% | 2,935 |
| Assets per employee ($millions) | 2.4947% | 7,089 |
| Cash dividends to net income (ytd only)* | 40.0774% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 2,839 |
| Loan loss allowance to noncurrent loans | 83.3891% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6262% | 4,005 |
| Noncurrent loans to loans | 2.1373% | 3,529 |
| Net loans and leases to total assets | 64.8891% | 3,930 |
| Net loans and leases to deposits | 78.3529% | 3,766 |
| Net loans and leases to core deposits | 85.7971% | 3,686 |
| Total domestic deposits to total assets | 82.8164% | 4,669 |
| Equity capital to assets | 11.2857% | 2,714 |
| Core capital (leverage) ratio | 8.3899% | 5,715 |
| Tier 1 risk-based capital ratio | 12.1534% | 5,316 |
| Total risk-based capital ratio | 13.4096% | 5,275 |
| Memoranda: | ||
| Average total assets | $469,626,500 | 1,443 |
| Average earning assets | $409,849,000 | 1,507 |
| Average equity | $54,027,500 | 1,238 |
| Average total loans | $326,574,500 | 1,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 4,437 |
| Cost of funding earning assets | 1.0228% | 6,042 |
| Net interest margin | 4.0803% | 2,650 |
| Noninterest income to average assets | 1.1849% | 918 |
| Noninterest expense to average assets | 3.8111% | 1,344 |
| Loan and lease loss provision to assets | 0.1509% | 5,394 |
| Net operating income to assets | 0.6380% | 3,691 |
| Return on assets (ROA) | 0.7112% | 3,512 |
| Pretax return on assets | 0.8681% | 3,632 |
| Return on Equity (ROE) | 6.1411% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.6511% | 3,775 |
| Net charge-offs to loans | 0.4258% | 3,291 |
| Credit loss provision to net charge-offs | 50.0715% | 5,412 |
| Earnings coverage of net charge-offs (x) | 3.0858% | 3,462 |
| Efficiency ratio | 78.7981% | 2,606 |
| Assets per employee ($millions) | 2.3374% | 7,316 |
| Cash dividends to net income (ytd only)* | 40.5455% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,857 |
| Loan loss allowance to noncurrent loans | 68.3375% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.9701% | 3,530 |
| Noncurrent loans to loans | 2.5738% | 3,067 |
| Net loans and leases to total assets | 68.4155% | 3,265 |
| Net loans and leases to deposits | 82.7634% | 3,127 |
| Net loans and leases to core deposits | 90.8990% | 3,145 |
| Total domestic deposits to total assets | 82.6639% | 4,708 |
| Equity capital to assets | 11.5861% | 2,371 |
| Core capital (leverage) ratio | 8.4871% | 5,432 |
| Tier 1 risk-based capital ratio | 11.7083% | 5,575 |
| Total risk-based capital ratio | 12.9639% | 5,530 |
| Memoranda: | ||
| Average total assets | $464,016,000 | 1,470 |
| Average earning assets | $404,378,000 | 1,530 |
| Average equity | $53,736,670 | 1,238 |
| Average total loans | $328,304,000 | 1,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 4,180 |
| Cost of funding earning assets | 1.0592% | 6,092 |
| Net interest margin | 4.1138% | 2,381 |
| Noninterest income to average assets | 1.2261% | 814 |
| Noninterest expense to average assets | 3.8851% | 1,196 |
| Loan and lease loss provision to assets | 0.1731% | 4,787 |
| Net operating income to assets | 0.6628% | 3,601 |
| Return on assets (ROA) | 0.6628% | 3,715 |
| Pretax return on assets | 0.7537% | 4,048 |
| Return on Equity (ROE) | 5.7246% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.1687% | 4,243 |
| Net charge-offs to loans | 0.4016% | 2,836 |
| Credit loss provision to net charge-offs | 60.4230% | 4,288 |
| Earnings coverage of net charge-offs (x) | 3.2356% | 2,973 |
| Efficiency ratio | 79.1584% | 2,691 |
| Assets per employee ($millions) | 2.4127% | 7,318 |
| Cash dividends to net income (ytd only)* | 44.6475% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 2,657 |
| Loan loss allowance to noncurrent loans | 92.9912% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 4,125 |
| Noncurrent loans to loans | 1.9627% | 3,842 |
| Net loans and leases to total assets | 69.0211% | 3,151 |
| Net loans and leases to deposits | 84.4416% | 2,864 |
| Net loans and leases to core deposits | 92.2954% | 3,073 |
| Total domestic deposits to total assets | 81.7383% | 5,180 |
| Equity capital to assets | 11.6024% | 2,292 |
| Core capital (leverage) ratio | 8.5077% | 5,359 |
| Tier 1 risk-based capital ratio | 11.5148% | 5,658 |
| Total risk-based capital ratio | 12.7711% | 5,628 |
| Memoranda: | ||
| Average total assets | $462,283,000 | 1,518 |
| Average earning assets | $402,936,500 | 1,580 |
| Average equity | $53,523,500 | 1,248 |
| Average total loans | $329,678,000 | 1,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 4,983 |
| Cost of funding earning assets | 1.1999% | 6,660 |
| Net interest margin | 4.1408% | 2,281 |
| Noninterest income to average assets | 1.2561% | 956 |
| Noninterest expense to average assets | 3.9196% | 1,482 |
| Loan and lease loss provision to assets | 0.5809% | 3,478 |
| Net operating income to assets | 0.3439% | 4,356 |
| Return on assets (ROA) | 0.4763% | 3,934 |
| Pretax return on assets | 0.5257% | 4,119 |
| Return on Equity (ROE) | 4.0626% | 4,067 |
| Retained earnings to average equity (ytd only) | 2.0386% | 3,682 |
| Net charge-offs to loans | 1.1229% | 2,184 |
| Credit loss provision to net charge-offs | 72.5892% | 6,440 |
| Earnings coverage of net charge-offs (x) | 1.2011% | 4,925 |
| Efficiency ratio | 78.7246% | 3,086 |
| Assets per employee ($millions) | 2.3537% | 7,402 |
| Cash dividends to net income (ytd only)* | 49.8209% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,479 |
| Loan loss allowance to noncurrent loans | 80.0923% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.9014% | 3,529 |
| Noncurrent loans to loans | 2.2731% | 3,314 |
| Net loans and leases to total assets | 71.0134% | 2,998 |
| Net loans and leases to deposits | 85.8442% | 2,945 |
| Net loans and leases to core deposits | 98.7559% | 4,143 |
| Total domestic deposits to total assets | 82.7236% | 4,650 |
| Equity capital to assets | 11.5537% | 2,277 |
| Core capital (leverage) ratio | 8.4039% | 5,430 |
| Tier 1 risk-based capital ratio | 11.1568% | 5,768 |
| Total risk-based capital ratio | 12.4132% | 5,720 |
| Memoranda: | ||
| Average total assets | $469,079,600 | 1,480 |
| Average earning assets | $410,625,200 | 1,545 |
| Average equity | $54,988,800 | 1,193 |
| Average total loans | $334,324,400 | 1,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 5,299 |
| Cost of funding earning assets | 1.2046% | 6,873 |
| Net interest margin | 4.1217% | 2,313 |
| Noninterest income to average assets | 1.2738% | 947 |
| Noninterest expense to average assets | 3.9024% | 1,423 |
| Loan and lease loss provision to assets | 0.6511% | 2,802 |
| Net operating income to assets | 0.3146% | 4,743 |
| Return on assets (ROA) | 0.4229% | 4,415 |
| Pretax return on assets | 0.4484% | 4,666 |
| Return on Equity (ROE) | 3.5949% | 4,539 |
| Retained earnings to average equity (ytd only) | 0.9168% | 4,795 |
| Net charge-offs to loans | 1.0699% | 1,858 |
| Credit loss provision to net charge-offs | 85.6930% | 5,606 |
| Earnings coverage of net charge-offs (x) | 1.2955% | 4,808 |
| Efficiency ratio | 78.2830% | 3,123 |
| Assets per employee ($millions) | 2.4181% | 7,353 |
| Cash dividends to net income (ytd only)* | 74.4979% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 1,801 |
| Loan loss allowance to noncurrent loans | 82.4439% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 3,274 |
| Noncurrent loans to loans | 2.4270% | 3,103 |
| Net loans and leases to total assets | 70.5214% | 3,383 |
| Net loans and leases to deposits | 85.7594% | 3,364 |
| Net loans and leases to core deposits | 99.0720% | 4,477 |
| Total domestic deposits to total assets | 82.2317% | 4,574 |
| Equity capital to assets | 11.9592% | 2,265 |
| Core capital (leverage) ratio | 8.9527% | 4,721 |
| Tier 1 risk-based capital ratio | 11.7917% | 5,159 |
| Total risk-based capital ratio | 13.0506% | 5,097 |
| Memoranda: | ||
| Average total assets | $471,016,000 | 1,488 |
| Average earning assets | $412,858,500 | 1,546 |
| Average equity | $55,410,750 | 1,201 |
| Average total loans | $334,484,500 | 1,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 5,421 |
| Cost of funding earning assets | 1.2382% | 6,995 |
| Net interest margin | 4.1063% | 2,299 |
| Noninterest income to average assets | 1.2348% | 1,013 |
| Noninterest expense to average assets | 3.9360% | 1,421 |
| Loan and lease loss provision to assets | 0.8255% | 2,032 |
| Net operating income to assets | 0.1122% | 5,531 |
| Return on assets (ROA) | 0.2845% | 5,066 |
| Pretax return on assets | 0.2396% | 5,352 |
| Return on Equity (ROE) | 2.4314% | 5,129 |
| Retained earnings to average equity (ytd only) | 0.1809% | 5,140 |
| Net charge-offs to loans | 1.4550% | 1,299 |
| Credit loss provision to net charge-offs | 80.2469% | 5,190 |
| Earnings coverage of net charge-offs (x) | 0.8679% | 4,884 |
| Efficiency ratio | 79.9246% | 3,054 |
| Assets per employee ($millions) | 2.2977% | 7,556 |
| Cash dividends to net income (ytd only)* | 92.5595% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 1,592 |
| Loan loss allowance to noncurrent loans | 90.0367% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.9917% | 3,207 |
| Noncurrent loans to loans | 2.2092% | 3,246 |
| Net loans and leases to total assets | 71.7437% | 3,290 |
| Net loans and leases to deposits | 86.7401% | 3,404 |
| Net loans and leases to core deposits | 97.7663% | 4,724 |
| Total domestic deposits to total assets | 82.7111% | 4,378 |
| Equity capital to assets | 12.1447% | 2,121 |
| Core capital (leverage) ratio | 8.9234% | 4,750 |
| Tier 1 risk-based capital ratio | 11.7228% | 5,172 |
| Total risk-based capital ratio | 12.9813% | 5,090 |
| Memoranda: | ||
| Average total assets | $472,454,000 | 1,505 |
| Average earning assets | $413,510,330 | 1,570 |
| Average equity | $55,276,330 | 1,219 |
| Average total loans | $334,031,000 | 1,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 4,798 |
| Cost of funding earning assets | 1.2628% | 7,140 |
| Net interest margin | 4.2596% | 1,705 |
| Noninterest income to average assets | 1.2034% | 995 |
| Noninterest expense to average assets | 4.0966% | 1,070 |
| Loan and lease loss provision to assets | 1.1912% | 1,088 |
| Net operating income to assets | -0.0550% | 6,339 |
| Return on assets (ROA) | -0.0550% | 6,463 |
| Pretax return on assets | -0.2517% | 6,623 |
| Return on Equity (ROE) | -0.6143% | 6,482 |
| Retained earnings to average equity (ytd only) | -2.1978% | 6,140 |
| Net charge-offs to loans | 0.5817% | 2,010 |
| Credit loss provision to net charge-offs | 264.9457% | 1,786 |
| Earnings coverage of net charge-offs (x) | 2.0897% | 3,679 |
| Efficiency ratio | 81.3440% | 2,633 |
| Assets per employee ($millions) | 2.2418% | 7,662 |
| Cash dividends to net income (ytd only)* | -257.7778% | 8,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,122 |
| Loan loss allowance to noncurrent loans | 67.9843% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.3208% | 2,475 |
| Noncurrent loans to loans | 2.5107% | 2,624 |
| Net loans and leases to total assets | 77.0107% | 2,039 |
| Net loans and leases to deposits | 97.0950% | 1,787 |
| Net loans and leases to core deposits | 108.0540% | 3,669 |
| Total domestic deposits to total assets | 79.3148% | 5,603 |
| Equity capital to assets | 9.0566% | 5,282 |
| Core capital (leverage) ratio | 8.6152% | 5,309 |
| Tier 1 risk-based capital ratio | 10.8713% | 6,019 |
| Total risk-based capital ratio | 12.1226% | 5,929 |
| Memoranda: | ||
| Average total assets | $327,393,500 | 2,125 |
| Average earning assets | $294,584,000 | 2,155 |
| Average equity | $29,301,500 | 2,328 |
| Average total loans | $253,064,000 | 1,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 3,424 |
| Cost of funding earning assets | 1.7855% | 7,044 |
| Net interest margin | 4.6135% | 1,140 |
| Noninterest income to average assets | 1.2360% | 976 |
| Noninterest expense to average assets | 3.9303% | 1,513 |
| Loan and lease loss provision to assets | 0.8313% | 1,793 |
| Net operating income to assets | 0.5835% | 4,375 |
| Return on assets (ROA) | 0.5866% | 4,230 |
| Pretax return on assets | 0.6270% | 4,606 |
| Return on Equity (ROE) | 6.3102% | 3,821 |
| Retained earnings to average equity (ytd only) | -6.4368% | 6,713 |
| Net charge-offs to loans | 1.0603% | 1,159 |
| Credit loss provision to net charge-offs | 100.5842% | 5,272 |
| Earnings coverage of net charge-offs (x) | 1.7605% | 5,193 |
| Efficiency ratio | 72.9815% | 3,757 |
| Assets per employee ($millions) | 2.2430% | 7,644 |
| Cash dividends to net income (ytd only)* | 202.0062% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 2,858 |
| Loan loss allowance to noncurrent loans | 77.2756% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 2,775 |
| Noncurrent loans to loans | 1.8961% | 2,913 |
| Net loans and leases to total assets | 75.1566% | 2,842 |
| Net loans and leases to deposits | 92.1173% | 3,112 |
| Net loans and leases to core deposits | 100.3068% | 4,797 |
| Total domestic deposits to total assets | 81.5878% | 4,370 |
| Equity capital to assets | 8.8463% | 5,575 |
| Core capital (leverage) ratio | 8.8444% | 4,975 |
| Tier 1 risk-based capital ratio | 11.0240% | 5,707 |
| Total risk-based capital ratio | 12.2757% | 5,602 |
| Memoranda: | ||
| Average total assets | $331,396,200 | 2,018 |
| Average earning assets | $298,061,800 | 2,053 |
| Average equity | $30,807,200 | 2,191 |
| Average total loans | $258,321,600 | 1,847 |