Home > Southern States Bank > Performance and Condition Ratios
Southern States Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3055% | 432 |
| Cost of funding earning assets | 2.2724% | 572 |
| Net interest margin | 4.0330% | 1,155 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.7835% | 4,026 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.6285% | 825 |
| Return on assets (ROA) | 1.6278% | 795 |
| Pretax return on assets | 2.1004% | 569 |
| Return on Equity (ROE) | 13.7800% | 1,535 |
| Retained earnings to average equity (ytd only) | 12.5896% | 563 |
| Net charge-offs to loans | 0.0338% | 1,626 |
| Credit loss provision to net charge-offs | 1,044.5969% | 396 |
| Earnings coverage of net charge-offs (x) | 91.1921% | 950 |
| Efficiency ratio | 42.5805% | 4,301 |
| Assets per employee ($millions) | 13.5232% | 288 |
| Cash dividends to net income (ytd only)* | 8.6292% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 1,799 |
| Loan loss allowance to noncurrent loans | 2,071.1980% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,266 |
| Noncurrent loans to loans | 0.0624% | 3,265 |
| Net loans and leases to total assets | 76.0100% | 1,114 |
| Net loans and leases to deposits | 91.5119% | 1,139 |
| Net loans and leases to core deposits | 109.1740% | 987 |
| Total domestic deposits to total assets | 83.0600% | 2,878 |
| Equity capital to assets | 11.6123% | 1,248 |
| Core capital (leverage) ratio | 12.0149% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4499% | 2,085 |
| Memoranda: | ||
| Average total assets | $2,242,511,000 | 512 |
| Average earning assets | $2,097,546,800 | 499 |
| Average equity | $264,933,000 | 435 |
| Average total loans | $1,722,981,600 | 459 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2601% | 383 |
| Cost of funding earning assets | 2.1496% | 548 |
| Net interest margin | 4.1105% | 1,047 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.8422% | 3,894 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.6101% | 925 |
| Return on assets (ROA) | 1.6094% | 918 |
| Pretax return on assets | 2.0873% | 673 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 12.3504% | 914 |
| Net charge-offs to loans | 0.0159% | 1,828 |
| Credit loss provision to net charge-offs | 1,746.7662% | 273 |
| Earnings coverage of net charge-offs (x) | 189.3930% | 623 |
| Efficiency ratio | 43.9401% | 4,229 |
| Assets per employee ($millions) | 13.0641% | 295 |
| Cash dividends to net income (ytd only)* | 8.9039% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,109 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,426 |
| Noncurrent loans to loans | 0.0609% | 3,317 |
| Net loans and leases to total assets | 76.2700% | 1,087 |
| Net loans and leases to deposits | 90.7391% | 1,173 |
| Net loans and leases to core deposits | 104.9756% | 1,064 |
| Total domestic deposits to total assets | 84.0600% | 2,758 |
| Equity capital to assets | 11.7488% | 1,112 |
| Core capital (leverage) ratio | 11.7107% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6669% | 2,024 |
| Memoranda: | ||
| Average total assets | $2,191,216,000 | 520 |
| Average earning assets | $2,046,513,000 | 511 |
| Average equity | $260,108,250 | 437 |
| Average total loans | $1,682,487,500 | 469 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0438% | 425 |
| Cost of funding earning assets | 1.9492% | 556 |
| Net interest margin | 4.0946% | 1,092 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.0581% | 3,446 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.7366% | 731 |
| Return on assets (ROA) | 1.7364% | 735 |
| Pretax return on assets | 2.2603% | 493 |
| Return on Equity (ROE) | 14.5700% | 1,559 |
| Retained earnings to average equity (ytd only) | 13.3523% | 761 |
| Net charge-offs to loans | 0.0271% | 1,348 |
| Credit loss provision to net charge-offs | 1,222.3214% | 351 |
| Earnings coverage of net charge-offs (x) | 121.9107% | 837 |
| Efficiency ratio | 44.4873% | 4,234 |
| Assets per employee ($millions) | 12.8086% | 312 |
| Cash dividends to net income (ytd only)* | 8.3854% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,201 |
| Loan loss allowance to noncurrent loans | 2,117.3267% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,360 |
| Noncurrent loans to loans | 0.0588% | 3,275 |
| Net loans and leases to total assets | 74.4200% | 1,233 |
| Net loans and leases to deposits | 87.4633% | 1,388 |
| Net loans and leases to core deposits | 101.3589% | 1,166 |
| Total domestic deposits to total assets | 85.0900% | 2,520 |
| Equity capital to assets | 11.6419% | 1,157 |
| Core capital (leverage) ratio | 11.8224% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4689% | 2,110 |
| Memoranda: | ||
| Average total assets | $2,155,192,667 | 519 |
| Average earning assets | $2,014,743,667 | 507 |
| Average equity | $256,765,000 | 434 |
| Average total loans | $1,651,334,333 | 463 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 372 |
| Cost of funding earning assets | 1.6410% | 643 |
| Net interest margin | 4.2342% | 897 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.8396% | 3,964 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.6438% | 918 |
| Return on assets (ROA) | 1.6500% | 910 |
| Pretax return on assets | 2.1458% | 620 |
| Return on Equity (ROE) | 13.6800% | 1,840 |
| Retained earnings to average equity (ytd only) | 12.4373% | 1,189 |
| Net charge-offs to loans | 0.0487% | 879 |
| Credit loss provision to net charge-offs | 599.4924% | 506 |
| Earnings coverage of net charge-offs (x) | 62.7766% | 998 |
| Efficiency ratio | 43.3931% | 4,329 |
| Assets per employee ($millions) | 11.3693% | 471 |
| Cash dividends to net income (ytd only)* | 9.0814% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,526 |
| Loan loss allowance to noncurrent loans | 1,206.2576% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 2,063 |
| Noncurrent loans to loans | 0.0999% | 3,042 |
| Net loans and leases to total assets | 76.1600% | 957 |
| Net loans and leases to deposits | 90.0904% | 1,039 |
| Net loans and leases to core deposits | 101.9034% | 1,003 |
| Total domestic deposits to total assets | 84.5400% | 2,965 |
| Equity capital to assets | 12.0244% | 991 |
| Core capital (leverage) ratio | 12.1883% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3841% | 2,226 |
| Memoranda: | ||
| Average total assets | $2,092,823,000 | 548 |
| Average earning assets | $1,953,908,000 | 534 |
| Average equity | $252,433,500 | 450 |
| Average total loans | $1,617,951,000 | 484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 585 |
| Cost of funding earning assets | 0.5198% | 1,268 |
| Net interest margin | 4.1099% | 642 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.9735% | 3,655 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.6042% | 687 |
| Return on assets (ROA) | 1.5782% | 692 |
| Pretax return on assets | 2.0240% | 452 |
| Return on Equity (ROE) | 14.0100% | 1,528 |
| Retained earnings to average equity (ytd only) | 12.5423% | 580 |
| Net charge-offs to loans | 0.0205% | 1,680 |
| Credit loss provision to net charge-offs | 1,919.5205% | 272 |
| Earnings coverage of net charge-offs (x) | 154.3151% | 776 |
| Efficiency ratio | 45.3234% | 4,382 |
| Assets per employee ($millions) | 10.9522% | 513 |
| Cash dividends to net income (ytd only)* | 10.4622% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,051 |
| Loan loss allowance to noncurrent loans | 897.8174% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 1,894 |
| Noncurrent loans to loans | 0.1414% | 2,803 |
| Net loans and leases to total assets | 76.5600% | 953 |
| Net loans and leases to deposits | 90.1104% | 1,048 |
| Net loans and leases to core deposits | 100.2986% | 990 |
| Total domestic deposits to total assets | 84.9700% | 2,997 |
| Equity capital to assets | 12.1019% | 902 |
| Core capital (leverage) ratio | 12.1651% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2413% | 2,270 |
| Memoranda: | ||
| Average total assets | $1,918,100,200 | 580 |
| Average earning assets | $1,789,513,200 | 564 |
| Average equity | $216,100,400 | 494 |
| Average total loans | $1,422,606,800 | 503 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 796 |
| Cost of funding earning assets | 0.3357% | 1,814 |
| Net interest margin | 3.9195% | 766 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0185% | 3,432 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.3028% | 1,344 |
| Return on assets (ROA) | 1.2723% | 1,416 |
| Pretax return on assets | 1.6781% | 945 |
| Return on Equity (ROE) | 11.5300% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.9990% | 1,340 |
| Net charge-offs to loans | 0.0084% | 1,824 |
| Credit loss provision to net charge-offs | 4,214.9425% | 131 |
| Earnings coverage of net charge-offs (x) | 321.2184% | 450 |
| Efficiency ratio | 50.1814% | 4,148 |
| Assets per employee ($millions) | 10.2305% | 607 |
| Cash dividends to net income (ytd only)* | 13.2433% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,491 |
| Loan loss allowance to noncurrent loans | 466.4051% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,604 |
| Noncurrent loans to loans | 0.2587% | 2,341 |
| Net loans and leases to total assets | 73.3400% | 1,151 |
| Net loans and leases to deposits | 85.0533% | 1,231 |
| Net loans and leases to core deposits | 92.2554% | 1,168 |
| Total domestic deposits to total assets | 86.2300% | 3,012 |
| Equity capital to assets | 11.1804% | 1,111 |
| Core capital (leverage) ratio | 11.4918% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8704% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,885,610,000 | 591 |
| Average earning assets | $1,759,206,500 | 572 |
| Average equity | $208,161,750 | 511 |
| Average total loans | $1,381,205,750 | 510 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 1,040 |
| Cost of funding earning assets | 0.2125% | 2,745 |
| Net interest margin | 3.7321% | 867 |
| Noninterest income to average assets | 0.3545% | 3,033 |
| Noninterest expense to average assets | 2.0248% | 3,370 |
| Loan and lease loss provision to assets | 0.2192% | 360 |
| Net operating income to assets | 1.2113% | 1,391 |
| Return on assets (ROA) | 1.1765% | 1,490 |
| Pretax return on assets | 1.5457% | 1,056 |
| Return on Equity (ROE) | 10.7081% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.1154% | 1,251 |
| Net charge-offs to loans | 0.0060% | 1,780 |
| Credit loss provision to net charge-offs | 5,010.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 306 |
| Efficiency ratio | 52.4391% | 4,091 |
| Assets per employee ($millions) | 9.6202% | 731 |
| Cash dividends to net income (ytd only)* | 14.8740% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,830 |
| Loan loss allowance to noncurrent loans | 473.4366% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 1,640 |
| Noncurrent loans to loans | 0.2477% | 2,491 |
| Net loans and leases to total assets | 74.3440% | 880 |
| Net loans and leases to deposits | 85.7420% | 997 |
| Net loans and leases to core deposits | 90.5419% | 1,094 |
| Total domestic deposits to total assets | 86.7066% | 3,034 |
| Equity capital to assets | 10.8838% | 1,266 |
| Core capital (leverage) ratio | 10.9704% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0893% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,828,705,000 | 595 |
| Average earning assets | $1,704,841,667 | 586 |
| Average equity | $200,913,667 | 529 |
| Average total loans | $1,332,730,333 | 515 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 1,092 |
| Cost of funding earning assets | 0.2136% | 2,618 |
| Net interest margin | 3.5822% | 926 |
| Noninterest income to average assets | 0.3887% | 2,766 |
| Noninterest expense to average assets | 2.0310% | 3,350 |
| Loan and lease loss provision to assets | 0.1561% | 498 |
| Net operating income to assets | 1.1804% | 1,298 |
| Return on assets (ROA) | 1.1167% | 1,480 |
| Pretax return on assets | 1.4669% | 1,081 |
| Return on Equity (ROE) | 10.1136% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.4709% | 1,434 |
| Net charge-offs to loans | 0.0156% | 1,228 |
| Credit loss provision to net charge-offs | 1,398.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 152.5400% | 530 |
| Efficiency ratio | 53.9865% | 4,052 |
| Assets per employee ($millions) | 9.5216% | 770 |
| Cash dividends to net income (ytd only)* | 16.2432% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,957 |
| Loan loss allowance to noncurrent loans | 477.2643% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,736 |
| Noncurrent loans to loans | 0.2473% | 2,603 |
| Net loans and leases to total assets | 72.0771% | 825 |
| Net loans and leases to deposits | 83.6682% | 902 |
| Net loans and leases to core deposits | 87.0418% | 1,078 |
| Total domestic deposits to total assets | 86.1463% | 3,210 |
| Equity capital to assets | 11.4984% | 1,124 |
| Core capital (leverage) ratio | 10.8819% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3093% | 2,479 |
| Memoranda: | ||
| Average total assets | $1,790,657,500 | 604 |
| Average earning assets | $1,672,621,500 | 598 |
| Average equity | $197,713,000 | 555 |
| Average total loans | $1,282,639,500 | 529 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 1,164 |
| Cost of funding earning assets | 0.3157% | 2,241 |
| Net interest margin | 3.7808% | 1,051 |
| Noninterest income to average assets | 0.7345% | 1,648 |
| Noninterest expense to average assets | 2.3621% | 2,617 |
| Loan and lease loss provision to assets | 0.1951% | 564 |
| Net operating income to assets | 1.2703% | 1,688 |
| Return on assets (ROA) | 1.2674% | 1,750 |
| Pretax return on assets | 1.6615% | 1,235 |
| Return on Equity (ROE) | 11.4776% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.8036% | 969 |
| Net charge-offs to loans | -0.0002% | 3,205 |
| Credit loss provision to net charge-offs | -149,100.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5342% | 3,752 |
| Assets per employee ($millions) | 9.0905% | 890 |
| Cash dividends to net income (ytd only)* | 14.5851% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,952 |
| Loan loss allowance to noncurrent loans | 752.7383% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 2,175 |
| Noncurrent loans to loans | 0.1574% | 3,146 |
| Net loans and leases to total assets | 69.4749% | 1,100 |
| Net loans and leases to deposits | 79.5103% | 1,254 |
| Net loans and leases to core deposits | 82.8867% | 1,391 |
| Total domestic deposits to total assets | 87.3784% | 2,348 |
| Equity capital to assets | 10.5797% | 2,106 |
| Core capital (leverage) ratio | 10.4403% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0742% | 2,872 |
| Memoranda: | ||
| Average total assets | $1,528,825,000 | 672 |
| Average earning assets | $1,410,382,800 | 675 |
| Average equity | $168,815,200 | 639 |
| Average total loans | $1,124,384,600 | 592 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 1,067 |
| Cost of funding earning assets | 0.3450% | 2,165 |
| Net interest margin | 3.8837% | 969 |
| Noninterest income to average assets | 0.8651% | 1,335 |
| Noninterest expense to average assets | 2.4353% | 2,325 |
| Loan and lease loss provision to assets | 0.2047% | 501 |
| Net operating income to assets | 1.3755% | 1,612 |
| Return on assets (ROA) | 1.3742% | 1,668 |
| Pretax return on assets | 1.7834% | 1,200 |
| Return on Equity (ROE) | 12.2890% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.6001% | 1,150 |
| Net charge-offs to loans | 0.0015% | 2,364 |
| Credit loss provision to net charge-offs | 18,750.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,822.5833% | 80 |
| Efficiency ratio | 54.6279% | 3,714 |
| Assets per employee ($millions) | 7.9896% | 1,274 |
| Cash dividends to net income (ytd only)* | 13.7429% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,846 |
| Loan loss allowance to noncurrent loans | 426.1487% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 809 |
| Noncurrent loans to loans | 0.2883% | 2,761 |
| Net loans and leases to total assets | 72.7512% | 800 |
| Net loans and leases to deposits | 84.7573% | 912 |
| Net loans and leases to core deposits | 89.0886% | 1,090 |
| Total domestic deposits to total assets | 85.8347% | 2,806 |
| Equity capital to assets | 11.8985% | 1,445 |
| Core capital (leverage) ratio | 10.7468% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2377% | 2,634 |
| Memoranda: | ||
| Average total assets | $1,465,598,250 | 705 |
| Average earning assets | $1,343,410,000 | 704 |
| Average equity | $163,893,500 | 666 |
| Average total loans | $1,092,305,750 | 618 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 1,098 |
| Cost of funding earning assets | 0.3669% | 2,164 |
| Net interest margin | 3.8802% | 1,010 |
| Noninterest income to average assets | 0.9823% | 1,106 |
| Noninterest expense to average assets | 2.4586% | 2,280 |
| Loan and lease loss provision to assets | 0.2091% | 526 |
| Net operating income to assets | 1.4194% | 1,518 |
| Return on assets (ROA) | 1.3968% | 1,647 |
| Pretax return on assets | 1.8355% | 1,154 |
| Return on Equity (ROE) | 12.7874% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.0213% | 1,119 |
| Net charge-offs to loans | 0.0037% | 2,029 |
| Credit loss provision to net charge-offs | 7,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 743.6500% | 188 |
| Efficiency ratio | 53.8464% | 3,824 |
| Assets per employee ($millions) | 7.6823% | 1,375 |
| Cash dividends to net income (ytd only)* | 13.8110% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,858 |
| Loan loss allowance to noncurrent loans | 619.2665% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 986 |
| Noncurrent loans to loans | 0.1958% | 3,248 |
| Net loans and leases to total assets | 71.8232% | 991 |
| Net loans and leases to deposits | 82.7940% | 1,141 |
| Net loans and leases to core deposits | 87.0684% | 1,340 |
| Total domestic deposits to total assets | 86.7493% | 2,448 |
| Equity capital to assets | 10.6364% | 2,280 |
| Core capital (leverage) ratio | 9.4969% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9824% | 2,962 |
| Memoranda: | ||
| Average total assets | $1,434,805,000 | 713 |
| Average earning assets | $1,312,506,000 | 715 |
| Average equity | $156,732,667 | 688 |
| Average total loans | $1,073,893,000 | 627 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 1,037 |
| Cost of funding earning assets | 0.3902% | 2,174 |
| Net interest margin | 3.9099% | 968 |
| Noninterest income to average assets | 1.3905% | 684 |
| Noninterest expense to average assets | 2.4490% | 2,329 |
| Loan and lease loss provision to assets | 0.2150% | 549 |
| Net operating income to assets | 1.7365% | 886 |
| Return on assets (ROA) | 1.6840% | 1,017 |
| Pretax return on assets | 2.2246% | 662 |
| Return on Equity (ROE) | 15.1993% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.4090% | 833 |
| Net charge-offs to loans | 0.0015% | 1,880 |
| Credit loss provision to net charge-offs | 18,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,185.7500% | 31 |
| Efficiency ratio | 49.0426% | 4,261 |
| Assets per employee ($millions) | 7.6362% | 1,377 |
| Cash dividends to net income (ytd only)* | 11.7787% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,140 |
| Loan loss allowance to noncurrent loans | 326.8084% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 861 |
| Noncurrent loans to loans | 0.3553% | 2,805 |
| Net loans and leases to total assets | 73.5635% | 853 |
| Net loans and leases to deposits | 85.1331% | 1,038 |
| Net loans and leases to core deposits | 90.4476% | 1,200 |
| Total domestic deposits to total assets | 86.4100% | 2,571 |
| Equity capital to assets | 10.7337% | 2,052 |
| Core capital (leverage) ratio | 10.0994% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2087% | 2,889 |
| Memoranda: | ||
| Average total assets | $1,395,497,000 | 726 |
| Average earning assets | $1,272,265,500 | 728 |
| Average equity | $154,612,000 | 693 |
| Average total loans | $1,060,676,500 | 639 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,386 |
| Cost of funding earning assets | 0.7143% | 1,649 |
| Net interest margin | 3.7562% | 1,626 |
| Noninterest income to average assets | 0.5613% | 2,369 |
| Noninterest expense to average assets | 2.4893% | 2,885 |
| Loan and lease loss provision to assets | 0.2663% | 1,450 |
| Net operating income to assets | 0.9962% | 2,303 |
| Return on assets (ROA) | 1.0460% | 2,259 |
| Pretax return on assets | 1.2757% | 2,061 |
| Return on Equity (ROE) | 8.9363% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.6662% | 1,155 |
| Net charge-offs to loans | 0.0740% | 1,745 |
| Credit loss provision to net charge-offs | 467.4221% | 1,309 |
| Earnings coverage of net charge-offs (x) | 25.9972% | 1,730 |
| Efficiency ratio | 62.1562% | 3,099 |
| Assets per employee ($millions) | 7.0876% | 1,524 |
| Cash dividends to net income (ytd only)* | 14.2130% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,230 |
| Loan loss allowance to noncurrent loans | 338.0559% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 916 |
| Noncurrent loans to loans | 0.3387% | 2,987 |
| Net loans and leases to total assets | 76.8459% | 711 |
| Net loans and leases to deposits | 89.8344% | 937 |
| Net loans and leases to core deposits | 95.7795% | 1,133 |
| Total domestic deposits to total assets | 85.5417% | 2,552 |
| Equity capital to assets | 11.4577% | 1,916 |
| Core capital (leverage) ratio | 10.1779% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7654% | 2,707 |
| Memoranda: | ||
| Average total assets | $1,239,040,400 | 733 |
| Average earning assets | $1,124,606,800 | 736 |
| Average equity | $145,026,000 | 695 |
| Average total loans | $953,792,000 | 672 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 1,517 |
| Cost of funding earning assets | 0.7989% | 1,504 |
| Net interest margin | 3.7233% | 1,866 |
| Noninterest income to average assets | 0.5901% | 2,214 |
| Noninterest expense to average assets | 2.4758% | 2,916 |
| Loan and lease loss provision to assets | 0.2961% | 1,366 |
| Net operating income to assets | 0.9698% | 2,450 |
| Return on assets (ROA) | 1.0361% | 2,328 |
| Pretax return on assets | 1.2822% | 2,125 |
| Return on Equity (ROE) | 8.8011% | 2,476 |
| Retained earnings to average equity (ytd only) | 7.6571% | 1,436 |
| Net charge-offs to loans | -0.0216% | 4,445 |
| Credit loss provision to net charge-offs | -1,788.0795% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7797% | 3,108 |
| Assets per employee ($millions) | 7.3449% | 1,302 |
| Cash dividends to net income (ytd only)* | 12.9988% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,637 |
| Loan loss allowance to noncurrent loans | 110.8915% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 680 |
| Noncurrent loans to loans | 1.0867% | 1,384 |
| Net loans and leases to total assets | 76.4054% | 1,045 |
| Net loans and leases to deposits | 89.1617% | 1,354 |
| Net loans and leases to core deposits | 95.9066% | 1,462 |
| Total domestic deposits to total assets | 85.6931% | 2,182 |
| Equity capital to assets | 11.4832% | 2,019 |
| Core capital (leverage) ratio | 10.1022% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8313% | 2,673 |
| Memoranda: | ||
| Average total assets | $1,215,681,750 | 736 |
| Average earning assets | $1,104,345,250 | 736 |
| Average equity | $143,114,750 | 696 |
| Average total loans | $933,287,250 | 680 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,771 |
| Cost of funding earning assets | 0.9027% | 1,367 |
| Net interest margin | 3.6535% | 2,309 |
| Noninterest income to average assets | 0.5307% | 2,438 |
| Noninterest expense to average assets | 2.4952% | 2,972 |
| Loan and lease loss provision to assets | 0.1853% | 2,172 |
| Net operating income to assets | 0.9198% | 2,622 |
| Return on assets (ROA) | 1.0186% | 2,385 |
| Pretax return on assets | 1.2919% | 2,054 |
| Return on Equity (ROE) | 8.5753% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.7047% | 1,400 |
| Net charge-offs to loans | -0.0301% | 4,543 |
| Credit loss provision to net charge-offs | -802.9197% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2766% | 2,790 |
| Assets per employee ($millions) | 7.2409% | 1,299 |
| Cash dividends to net income (ytd only)* | 10.1521% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,269 |
| Loan loss allowance to noncurrent loans | 79.8085% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 801 |
| Noncurrent loans to loans | 1.3321% | 1,158 |
| Net loans and leases to total assets | 75.4055% | 1,215 |
| Net loans and leases to deposits | 87.7842% | 1,581 |
| Net loans and leases to core deposits | 94.2965% | 1,715 |
| Total domestic deposits to total assets | 85.8987% | 2,061 |
| Equity capital to assets | 11.2501% | 2,149 |
| Core capital (leverage) ratio | 10.0661% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8011% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,187,557,333 | 736 |
| Average earning assets | $1,078,100,000 | 745 |
| Average equity | $141,057,000 | 692 |
| Average total loans | $909,240,333 | 688 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 1,258 |
| Cost of funding earning assets | 0.9917% | 1,454 |
| Net interest margin | 3.8828% | 1,727 |
| Noninterest income to average assets | 0.4507% | 2,784 |
| Noninterest expense to average assets | 2.6045% | 2,970 |
| Loan and lease loss provision to assets | 0.2824% | 1,102 |
| Net operating income to assets | 0.8174% | 2,845 |
| Return on assets (ROA) | 1.0232% | 2,202 |
| Pretax return on assets | 1.3412% | 1,747 |
| Return on Equity (ROE) | 8.3618% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.3618% | 1,130 |
| Net charge-offs to loans | -0.0616% | 4,697 |
| Credit loss provision to net charge-offs | -597.0149% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0565% | 3,080 |
| Assets per employee ($millions) | 6.6917% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,025 |
| Loan loss allowance to noncurrent loans | 74.0292% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 703 |
| Noncurrent loans to loans | 1.5313% | 1,037 |
| Net loans and leases to total assets | 75.9548% | 1,312 |
| Net loans and leases to deposits | 88.5190% | 1,691 |
| Net loans and leases to core deposits | 95.6543% | 1,825 |
| Total domestic deposits to total assets | 85.8062% | 2,086 |
| Equity capital to assets | 11.8765% | 2,161 |
| Core capital (leverage) ratio | 11.1189% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7865% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,133,273,500 | 737 |
| Average earning assets | $1,026,477,500 | 744 |
| Average equity | $138,677,500 | 699 |
| Average total loans | $869,935,000 | 693 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 1,167 |
| Cost of funding earning assets | 1.2720% | 834 |
| Net interest margin | 3.8513% | 2,332 |
| Noninterest income to average assets | 0.6764% | 1,895 |
| Noninterest expense to average assets | 2.7608% | 2,719 |
| Loan and lease loss provision to assets | 0.5703% | 215 |
| Net operating income to assets | 0.6104% | 4,127 |
| Return on assets (ROA) | 0.6115% | 4,188 |
| Pretax return on assets | 0.8784% | 3,800 |
| Return on Equity (ROE) | 5.2648% | 4,141 |
| Retained earnings to average equity (ytd only) | -10.2402% | 5,064 |
| Net charge-offs to loans | 0.5621% | 326 |
| Credit loss provision to net charge-offs | 133.5520% | 1,914 |
| Earnings coverage of net charge-offs (x) | 3.3892% | 3,327 |
| Efficiency ratio | 65.2305% | 2,886 |
| Assets per employee ($millions) | 6.0192% | 1,620 |
| Cash dividends to net income (ytd only)* | 294.5026% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 2,939 |
| Loan loss allowance to noncurrent loans | 67.1231% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 577 |
| Noncurrent loans to loans | 1.6428% | 848 |
| Net loans and leases to total assets | 75.8502% | 1,441 |
| Net loans and leases to deposits | 87.3634% | 1,930 |
| Net loans and leases to core deposits | 95.5415% | 1,938 |
| Total domestic deposits to total assets | 86.8215% | 1,701 |
| Equity capital to assets | 12.6222% | 1,755 |
| Core capital (leverage) ratio | 10.8443% | 2,638 |
| Tier 1 risk-based capital ratio | 12.4585% | 4,098 |
| Total risk-based capital ratio | 13.4274% | 4,148 |
| Memoranda: | ||
| Average total assets | $999,428,000 | 786 |
| Average earning assets | $916,506,200 | 786 |
| Average equity | $116,092,000 | 782 |
| Average total loans | $759,261,600 | 752 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 1,464 |
| Cost of funding earning assets | 1.3241% | 733 |
| Net interest margin | 3.7064% | 2,892 |
| Noninterest income to average assets | 0.7361% | 1,639 |
| Noninterest expense to average assets | 2.8195% | 2,515 |
| Loan and lease loss provision to assets | 0.6869% | 153 |
| Net operating income to assets | 0.4056% | 4,714 |
| Return on assets (ROA) | 0.4076% | 4,735 |
| Pretax return on assets | 0.6426% | 4,459 |
| Return on Equity (ROE) | 3.5966% | 4,656 |
| Retained earnings to average equity (ytd only) | -15.7010% | 5,186 |
| Net charge-offs to loans | 0.5997% | 268 |
| Credit loss provision to net charge-offs | 151.1733% | 1,622 |
| Earnings coverage of net charge-offs (x) | 2.9203% | 3,154 |
| Efficiency ratio | 67.6963% | 2,470 |
| Assets per employee ($millions) | 6.4433% | 1,305 |
| Cash dividends to net income (ytd only)* | 536.5527% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,795 |
| Loan loss allowance to noncurrent loans | 66.7647% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 927 |
| Noncurrent loans to loans | 1.7162% | 852 |
| Net loans and leases to total assets | 72.9447% | 2,009 |
| Net loans and leases to deposits | 83.6282% | 2,495 |
| Net loans and leases to core deposits | 92.8682% | 2,283 |
| Total domestic deposits to total assets | 87.2249% | 1,419 |
| Equity capital to assets | 12.1635% | 2,144 |
| Core capital (leverage) ratio | 12.1122% | 1,781 |
| Tier 1 risk-based capital ratio | 12.3857% | 4,202 |
| Total risk-based capital ratio | 13.3960% | 4,233 |
| Memoranda: | ||
| Average total assets | $975,411,750 | 802 |
| Average earning assets | $897,490,250 | 802 |
| Average equity | $110,546,250 | 817 |
| Average total loans | $739,027,250 | 771 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 884 |
| Cost of funding earning assets | 1.3772% | 579 |
| Net interest margin | 3.8792% | 2,307 |
| Noninterest income to average assets | 0.4988% | 2,691 |
| Noninterest expense to average assets | 2.3891% | 3,761 |
| Loan and lease loss provision to assets | 0.2920% | 482 |
| Net operating income to assets | 1.0713% | 2,640 |
| Return on assets (ROA) | 1.0739% | 2,699 |
| Pretax return on assets | 1.4061% | 2,189 |
| Return on Equity (ROE) | 9.7662% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.7662% | 824 |
| Net charge-offs to loans | -0.0096% | 4,311 |
| Credit loss provision to net charge-offs | -3,970.5882% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1612% | 3,991 |
| Assets per employee ($millions) | 7.4959% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 1,973 |
| Loan loss allowance to noncurrent loans | 122.8278% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 1,698 |
| Noncurrent loans to loans | 1.0668% | 1,539 |
| Net loans and leases to total assets | 72.3507% | 2,167 |
| Net loans and leases to deposits | 82.3107% | 2,697 |
| Net loans and leases to core deposits | 97.6551% | 1,913 |
| Total domestic deposits to total assets | 87.8995% | 1,145 |
| Equity capital to assets | 10.9510% | 3,120 |
| Core capital (leverage) ratio | 10.5979% | 2,986 |
| Tier 1 risk-based capital ratio | 11.9696% | 4,435 |
| Total risk-based capital ratio | 13.0885% | 4,389 |
| Memoranda: | ||
| Average total assets | $924,687,330 | 844 |
| Average earning assets | $854,606,670 | 844 |
| Average equity | $101,677,000 | 883 |
| Average total loans | $708,020,670 | 803 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 903 |
| Cost of funding earning assets | 1.3517% | 549 |
| Net interest margin | 3.8537% | 2,329 |
| Noninterest income to average assets | 0.3042% | 3,847 |
| Noninterest expense to average assets | 2.3789% | 3,823 |
| Loan and lease loss provision to assets | 0.2976% | 436 |
| Net operating income to assets | 0.9183% | 3,167 |
| Return on assets (ROA) | 0.9183% | 3,203 |
| Pretax return on assets | 1.1961% | 2,819 |
| Return on Equity (ROE) | 8.3337% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.3337% | 1,537 |
| Net charge-offs to loans | -0.0068% | 4,099 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0656% | 3,670 |
| Assets per employee ($millions) | 7.3533% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,644 |
| Loan loss allowance to noncurrent loans | 193.5484% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,496 |
| Noncurrent loans to loans | 0.6142% | 2,492 |
| Net loans and leases to total assets | 76.4326% | 1,408 |
| Net loans and leases to deposits | 86.5409% | 2,065 |
| Net loans and leases to core deposits | 104.1278% | 1,310 |
| Total domestic deposits to total assets | 88.3197% | 1,172 |
| Equity capital to assets | 10.9395% | 2,915 |
| Core capital (leverage) ratio | 10.7120% | 2,833 |
| Tier 1 risk-based capital ratio | 11.7989% | 4,566 |
| Total risk-based capital ratio | 12.8502% | 4,571 |
| Memoranda: | ||
| Average total assets | $907,296,000 | 862 |
| Average earning assets | $840,119,500 | 859 |
| Average equity | $99,979,500 | 889 |
| Average total loans | $710,331,000 | 797 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 855 |
| Cost of funding earning assets | 0.9873% | 799 |
| Net interest margin | 4.1073% | 1,658 |
| Noninterest income to average assets | 0.4344% | 3,207 |
| Noninterest expense to average assets | 2.6208% | 3,266 |
| Loan and lease loss provision to assets | 0.2766% | 606 |
| Net operating income to assets | 1.0113% | 2,957 |
| Return on assets (ROA) | 1.0091% | 2,951 |
| Pretax return on assets | 1.3109% | 2,456 |
| Return on Equity (ROE) | 8.4969% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.4969% | 1,049 |
| Net charge-offs to loans | 0.0184% | 3,083 |
| Credit loss provision to net charge-offs | 1,876.9231% | 236 |
| Earnings coverage of net charge-offs (x) | 107.9145% | 703 |
| Efficiency ratio | 61.8532% | 3,559 |
| Assets per employee ($millions) | 7.2793% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,019 |
| Loan loss allowance to noncurrent loans | 202.1941% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 2,581 |
| Noncurrent loans to loans | 0.5503% | 2,624 |
| Net loans and leases to total assets | 78.3884% | 1,203 |
| Net loans and leases to deposits | 89.5887% | 1,850 |
| Net loans and leases to core deposits | 107.8697% | 1,125 |
| Total domestic deposits to total assets | 87.4981% | 1,540 |
| Equity capital to assets | 11.1029% | 2,589 |
| Core capital (leverage) ratio | 10.9426% | 2,578 |
| Tier 1 risk-based capital ratio | 11.8971% | 4,498 |
| Total risk-based capital ratio | 12.8942% | 4,534 |
| Memoranda: | ||
| Average total assets | $793,953,400 | 956 |
| Average earning assets | $730,041,600 | 958 |
| Average equity | $94,292,800 | 896 |
| Average total loans | $636,099,000 | 850 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 912 |
| Cost of funding earning assets | 0.8977% | 931 |
| Net interest margin | 4.1205% | 1,569 |
| Noninterest income to average assets | 0.5060% | 2,831 |
| Noninterest expense to average assets | 2.6882% | 3,002 |
| Loan and lease loss provision to assets | 0.3160% | 452 |
| Net operating income to assets | 0.9832% | 3,168 |
| Return on assets (ROA) | 0.9802% | 3,186 |
| Pretax return on assets | 1.2720% | 2,717 |
| Return on Equity (ROE) | 8.1015% | 3,509 |
| Retained earnings to average equity (ytd only) | 8.1015% | 1,601 |
| Net charge-offs to loans | 0.0043% | 3,302 |
| Credit loss provision to net charge-offs | 9,130.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 459.8309% | 201 |
| Efficiency ratio | 62.4196% | 3,441 |
| Assets per employee ($millions) | 6.9043% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,074 |
| Loan loss allowance to noncurrent loans | 380.2817% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,481 |
| Noncurrent loans to loans | 0.2944% | 3,624 |
| Net loans and leases to total assets | 79.2612% | 1,123 |
| Net loans and leases to deposits | 91.0072% | 1,753 |
| Net loans and leases to core deposits | 108.1796% | 1,158 |
| Total domestic deposits to total assets | 87.0933% | 1,685 |
| Equity capital to assets | 11.3545% | 2,355 |
| Core capital (leverage) ratio | 11.3128% | 2,326 |
| Tier 1 risk-based capital ratio | 12.2201% | 4,364 |
| Total risk-based capital ratio | 13.2349% | 4,397 |
| Memoranda: | ||
| Average total assets | $770,423,500 | 976 |
| Average earning assets | $705,632,500 | 978 |
| Average equity | $93,215,500 | 897 |
| Average total loans | $619,129,000 | 870 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 904 |
| Cost of funding earning assets | 0.8186% | 1,049 |
| Net interest margin | 4.1389% | 1,449 |
| Noninterest income to average assets | 0.6087% | 2,277 |
| Noninterest expense to average assets | 2.7168% | 2,954 |
| Loan and lease loss provision to assets | 0.3738% | 336 |
| Net operating income to assets | 1.0019% | 3,006 |
| Return on assets (ROA) | 0.9972% | 3,033 |
| Pretax return on assets | 1.2944% | 2,535 |
| Return on Equity (ROE) | 8.0557% | 3,476 |
| Retained earnings to average equity (ytd only) | 8.0557% | 1,609 |
| Net charge-offs to loans | 0.0050% | 2,992 |
| Credit loss provision to net charge-offs | 9,300.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 416.5333% | 222 |
| Efficiency ratio | 61.4840% | 3,694 |
| Assets per employee ($millions) | 6.7373% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,108 |
| Loan loss allowance to noncurrent loans | 509.5714% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,694 |
| Noncurrent loans to loans | 0.2213% | 3,928 |
| Net loans and leases to total assets | 81.4313% | 781 |
| Net loans and leases to deposits | 95.9497% | 1,144 |
| Net loans and leases to core deposits | 114.8361% | 755 |
| Total domestic deposits to total assets | 84.8687% | 2,720 |
| Equity capital to assets | 12.2424% | 1,703 |
| Core capital (leverage) ratio | 12.0477% | 1,681 |
| Tier 1 risk-based capital ratio | 13.2711% | 3,749 |
| Total risk-based capital ratio | 14.3346% | 3,772 |
| Memoranda: | ||
| Average total assets | $746,454,670 | 1,004 |
| Average earning assets | $682,110,000 | 1,013 |
| Average equity | $92,406,670 | 903 |
| Average total loans | $600,438,330 | 886 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 955 |
| Cost of funding earning assets | 0.7680% | 1,105 |
| Net interest margin | 4.0911% | 1,465 |
| Noninterest income to average assets | 0.8841% | 1,188 |
| Noninterest expense to average assets | 2.7431% | 2,896 |
| Loan and lease loss provision to assets | 0.4567% | 234 |
| Net operating income to assets | 1.0864% | 2,489 |
| Return on assets (ROA) | 1.0864% | 2,506 |
| Pretax return on assets | 1.4208% | 1,929 |
| Return on Equity (ROE) | 8.7253% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.7253% | 1,565 |
| Net charge-offs to loans | 0.0130% | 2,294 |
| Credit loss provision to net charge-offs | 4,421.0526% | 92 |
| Earnings coverage of net charge-offs (x) | 181.7368% | 362 |
| Efficiency ratio | 58.9904% | 4,220 |
| Assets per employee ($millions) | 6.3956% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,430 |
| Loan loss allowance to noncurrent loans | 425.5663% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 3,705 |
| Noncurrent loans to loans | 0.2568% | 3,838 |
| Net loans and leases to total assets | 80.8965% | 810 |
| Net loans and leases to deposits | 95.6563% | 1,068 |
| Net loans and leases to core deposits | 130.3910% | 335 |
| Total domestic deposits to total assets | 84.5699% | 3,090 |
| Equity capital to assets | 12.5485% | 1,455 |
| Core capital (leverage) ratio | 12.0172% | 1,641 |
| Tier 1 risk-based capital ratio | 13.1448% | 3,881 |
| Total risk-based capital ratio | 14.1357% | 3,907 |
| Memoranda: | ||
| Average total assets | $735,656,500 | 1,022 |
| Average earning assets | $671,890,000 | 1,035 |
| Average equity | $91,596,000 | 919 |
| Average total loans | $584,373,500 | 921 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 876 |
| Cost of funding earning assets | 0.5766% | 1,769 |
| Net interest margin | 4.2832% | 1,001 |
| Noninterest income to average assets | 0.4654% | 3,219 |
| Noninterest expense to average assets | 2.6941% | 3,142 |
| Loan and lease loss provision to assets | 0.1971% | 1,057 |
| Net operating income to assets | 0.8743% | 2,840 |
| Return on assets (ROA) | 0.8750% | 2,864 |
| Pretax return on assets | 1.4790% | 1,723 |
| Return on Equity (ROE) | 6.6330% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.6330% | 1,216 |
| Net charge-offs to loans | 0.0965% | 2,117 |
| Credit loss provision to net charge-offs | 257.5342% | 1,079 |
| Earnings coverage of net charge-offs (x) | 21.8826% | 1,875 |
| Efficiency ratio | 61.2233% | 4,071 |
| Assets per employee ($millions) | 6.4546% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,852 |
| Loan loss allowance to noncurrent loans | 763.1300% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,281 |
| Noncurrent loans to loans | 0.1329% | 4,397 |
| Net loans and leases to total assets | 76.2999% | 1,543 |
| Net loans and leases to deposits | 89.8570% | 1,790 |
| Net loans and leases to core deposits | 119.8024% | 589 |
| Total domestic deposits to total assets | 84.9126% | 2,874 |
| Equity capital to assets | 12.3534% | 1,605 |
| Core capital (leverage) ratio | 12.3463% | 1,426 |
| Tier 1 risk-based capital ratio | 13.7677% | 3,485 |
| Total risk-based capital ratio | 14.6971% | 3,567 |
| Memoranda: | ||
| Average total assets | $667,563,000 | 1,096 |
| Average earning assets | $608,424,600 | 1,103 |
| Average equity | $88,059,200 | 922 |
| Average total loans | $529,589,000 | 967 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 770 |
| Cost of funding earning assets | 0.5508% | 1,884 |
| Net interest margin | 4.3425% | 830 |
| Noninterest income to average assets | 0.4970% | 3,039 |
| Noninterest expense to average assets | 2.6984% | 3,068 |
| Loan and lease loss provision to assets | 0.1851% | 1,065 |
| Net operating income to assets | 1.0333% | 2,398 |
| Return on assets (ROA) | 1.0343% | 2,433 |
| Pretax return on assets | 1.5723% | 1,507 |
| Return on Equity (ROE) | 7.7022% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,341 |
| Net charge-offs to loans | 0.1474% | 1,363 |
| Credit loss provision to net charge-offs | 157.0435% | 1,627 |
| Earnings coverage of net charge-offs (x) | 14.8991% | 2,269 |
| Efficiency ratio | 60.1371% | 4,191 |
| Assets per employee ($millions) | 6.2295% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 4,319 |
| Loan loss allowance to noncurrent loans | 655.5280% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 4,253 |
| Noncurrent loans to loans | 0.1450% | 4,474 |
| Net loans and leases to total assets | 80.2286% | 953 |
| Net loans and leases to deposits | 97.1584% | 996 |
| Net loans and leases to core deposits | 121.5060% | 532 |
| Total domestic deposits to total assets | 82.5751% | 3,593 |
| Equity capital to assets | 13.1778% | 1,302 |
| Core capital (leverage) ratio | 12.8130% | 1,281 |
| Tier 1 risk-based capital ratio | 13.5651% | 3,662 |
| Total risk-based capital ratio | 14.4143% | 3,809 |
| Memoranda: | ||
| Average total assets | $650,498,500 | 1,126 |
| Average earning assets | $592,788,000 | 1,130 |
| Average equity | $87,349,250 | 931 |
| Average total loans | $520,190,000 | 990 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 754 |
| Cost of funding earning assets | 0.5436% | 1,814 |
| Net interest margin | 4.3196% | 814 |
| Noninterest income to average assets | 0.4533% | 3,333 |
| Noninterest expense to average assets | 2.7468% | 2,936 |
| Loan and lease loss provision to assets | 0.1384% | 1,492 |
| Net operating income to assets | 0.9830% | 2,516 |
| Return on assets (ROA) | 0.9832% | 2,560 |
| Pretax return on assets | 1.5010% | 1,628 |
| Return on Equity (ROE) | 7.2738% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.2738% | 1,462 |
| Net charge-offs to loans | 0.1475% | 1,269 |
| Credit loss provision to net charge-offs | 117.8667% | 1,802 |
| Earnings coverage of net charge-offs (x) | 13.9627% | 2,101 |
| Efficiency ratio | 62.1726% | 3,964 |
| Assets per employee ($millions) | 5.9931% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,315 |
| Loan loss allowance to noncurrent loans | 411.7406% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 4,245 |
| Noncurrent loans to loans | 0.2359% | 4,186 |
| Net loans and leases to total assets | 78.2563% | 1,208 |
| Net loans and leases to deposits | 92.8568% | 1,377 |
| Net loans and leases to core deposits | 112.7876% | 861 |
| Total domestic deposits to total assets | 84.2764% | 3,098 |
| Equity capital to assets | 13.5383% | 1,129 |
| Core capital (leverage) ratio | 13.0538% | 1,159 |
| Tier 1 risk-based capital ratio | 14.7024% | 3,063 |
| Total risk-based capital ratio | 15.5978% | 3,167 |
| Memoranda: | ||
| Average total assets | $638,915,000 | 1,145 |
| Average earning assets | $581,680,330 | 1,155 |
| Average equity | $86,365,330 | 950 |
| Average total loans | $508,572,330 | 1,004 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 818 |
| Cost of funding earning assets | 0.5378% | 1,804 |
| Net interest margin | 4.2219% | 944 |
| Noninterest income to average assets | 0.4787% | 3,130 |
| Noninterest expense to average assets | 2.7365% | 3,008 |
| Loan and lease loss provision to assets | 0.2083% | 784 |
| Net operating income to assets | 0.9194% | 2,671 |
| Return on assets (ROA) | 0.9194% | 2,725 |
| Pretax return on assets | 1.3809% | 1,946 |
| Return on Equity (ROE) | 6.8066% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.8066% | 1,929 |
| Net charge-offs to loans | -0.0048% | 4,167 |
| Credit loss provision to net charge-offs | -5,483.3333% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7927% | 4,022 |
| Assets per employee ($millions) | 5.8182% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,013 |
| Loan loss allowance to noncurrent loans | 241.8307% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,691 |
| Noncurrent loans to loans | 0.4313% | 3,554 |
| Net loans and leases to total assets | 79.0551% | 973 |
| Net loans and leases to deposits | 94.7857% | 1,037 |
| Net loans and leases to core deposits | 113.2881% | 713 |
| Total domestic deposits to total assets | 83.4041% | 3,701 |
| Equity capital to assets | 13.5905% | 1,037 |
| Core capital (leverage) ratio | 12.9956% | 1,142 |
| Tier 1 risk-based capital ratio | 14.6866% | 3,122 |
| Total risk-based capital ratio | 15.6495% | 3,185 |
| Memoranda: | ||
| Average total assets | $631,746,500 | 1,156 |
| Average earning assets | $575,667,500 | 1,169 |
| Average equity | $85,328,500 | 953 |
| Average total loans | $504,745,500 | 1,008 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 589 |
| Cost of funding earning assets | 0.4973% | 2,114 |
| Net interest margin | 4.5040% | 614 |
| Noninterest income to average assets | 0.6716% | 2,311 |
| Noninterest expense to average assets | 2.9519% | 2,490 |
| Loan and lease loss provision to assets | 0.1874% | 1,259 |
| Net operating income to assets | 1.0606% | 2,086 |
| Return on assets (ROA) | 1.0943% | 2,019 |
| Pretax return on assets | 1.6910% | 1,022 |
| Return on Equity (ROE) | 9.7821% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.3884% | 741 |
| Net charge-offs to loans | -0.0482% | 5,388 |
| Credit loss provision to net charge-offs | -489.5928% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3101% | 4,371 |
| Assets per employee ($millions) | 6.0740% | 1,424 |
| Cash dividends to net income (ytd only)* | 14.2473% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 4,418 |
| Loan loss allowance to noncurrent loans | 244.6367% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 3,938 |
| Noncurrent loans to loans | 0.4023% | 3,706 |
| Net loans and leases to total assets | 78.8208% | 1,071 |
| Net loans and leases to deposits | 94.9871% | 1,093 |
| Net loans and leases to core deposits | 113.1612% | 731 |
| Total domestic deposits to total assets | 82.9806% | 3,775 |
| Equity capital to assets | 13.3718% | 1,102 |
| Core capital (leverage) ratio | 13.2044% | 1,059 |
| Tier 1 risk-based capital ratio | 13.8623% | 3,542 |
| Total risk-based capital ratio | 14.7283% | 3,680 |
| Memoranda: | ||
| Average total assets | $577,286,600 | 1,210 |
| Average earning assets | $526,404,000 | 1,216 |
| Average equity | $64,577,400 | 1,212 |
| Average total loans | $458,341,000 | 1,062 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 576 |
| Cost of funding earning assets | 0.4858% | 2,208 |
| Net interest margin | 4.5362% | 577 |
| Noninterest income to average assets | 0.5833% | 2,745 |
| Noninterest expense to average assets | 2.9813% | 2,374 |
| Loan and lease loss provision to assets | 0.1814% | 1,223 |
| Net operating income to assets | 1.0109% | 2,383 |
| Return on assets (ROA) | 1.0568% | 2,291 |
| Pretax return on assets | 1.6328% | 1,292 |
| Return on Equity (ROE) | 9.9945% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.9813% | 1,183 |
| Net charge-offs to loans | -0.0632% | 5,436 |
| Credit loss provision to net charge-offs | -361.7925% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6183% | 4,123 |
| Assets per employee ($millions) | 5.5778% | 1,774 |
| Cash dividends to net income (ytd only)* | 20.1433% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 4,614 |
| Loan loss allowance to noncurrent loans | 383.0986% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 4,554 |
| Noncurrent loans to loans | 0.2507% | 4,367 |
| Net loans and leases to total assets | 78.4381% | 1,128 |
| Net loans and leases to deposits | 92.4328% | 1,439 |
| Net loans and leases to core deposits | 109.6767% | 943 |
| Total domestic deposits to total assets | 84.8597% | 2,870 |
| Equity capital to assets | 10.0868% | 4,049 |
| Core capital (leverage) ratio | 9.5027% | 4,178 |
| Tier 1 risk-based capital ratio | 11.0104% | 5,363 |
| Total risk-based capital ratio | 11.9390% | 5,443 |
| Memoranda: | ||
| Average total assets | $563,684,500 | 1,237 |
| Average earning assets | $514,636,000 | 1,246 |
| Average equity | $59,604,500 | 1,306 |
| Average total loans | $447,212,250 | 1,094 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 630 |
| Cost of funding earning assets | 0.4807% | 2,265 |
| Net interest margin | 4.4839% | 637 |
| Noninterest income to average assets | 0.6595% | 2,332 |
| Noninterest expense to average assets | 3.0569% | 2,181 |
| Loan and lease loss provision to assets | 0.1672% | 1,336 |
| Net operating income to assets | 0.9935% | 2,421 |
| Return on assets (ROA) | 1.0318% | 2,381 |
| Pretax return on assets | 1.5791% | 1,424 |
| Return on Equity (ROE) | 9.5950% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.5950% | 689 |
| Net charge-offs to loans | -0.0922% | 5,587 |
| Credit loss provision to net charge-offs | -228.3582% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9429% | 4,028 |
| Assets per employee ($millions) | 5.4191% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,860 |
| Loan loss allowance to noncurrent loans | 141.7051% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 3,356 |
| Noncurrent loans to loans | 0.6553% | 3,110 |
| Net loans and leases to total assets | 79.9602% | 913 |
| Net loans and leases to deposits | 95.1530% | 1,170 |
| Net loans and leases to core deposits | 114.7822% | 692 |
| Total domestic deposits to total assets | 84.0333% | 3,253 |
| Equity capital to assets | 10.5659% | 3,564 |
| Core capital (leverage) ratio | 9.9199% | 3,661 |
| Tier 1 risk-based capital ratio | 11.3685% | 5,238 |
| Total risk-based capital ratio | 12.2740% | 5,329 |
| Memoranda: | ||
| Average total assets | $548,917,670 | 1,268 |
| Average earning assets | $500,058,670 | 1,283 |
| Average equity | $59,030,670 | 1,318 |
| Average total loans | $435,777,670 | 1,123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 619 |
| Cost of funding earning assets | 0.4953% | 2,147 |
| Net interest margin | 4.4723% | 642 |
| Noninterest income to average assets | 0.6140% | 2,447 |
| Noninterest expense to average assets | 3.1804% | 1,884 |
| Loan and lease loss provision to assets | 0.1395% | 1,506 |
| Net operating income to assets | 0.8961% | 2,774 |
| Return on assets (ROA) | 0.9355% | 2,688 |
| Pretax return on assets | 1.4160% | 1,858 |
| Return on Equity (ROE) | 8.6186% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.6186% | 1,224 |
| Net charge-offs to loans | -0.3793% | 5,963 |
| Credit loss provision to net charge-offs | -46.7500% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5016% | 3,543 |
| Assets per employee ($millions) | 5.3111% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 4,654 |
| Loan loss allowance to noncurrent loans | 113.9779% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,917 |
| Noncurrent loans to loans | 0.8701% | 2,670 |
| Net loans and leases to total assets | 77.9865% | 1,103 |
| Net loans and leases to deposits | 91.7439% | 1,383 |
| Net loans and leases to core deposits | 111.0186% | 804 |
| Total domestic deposits to total assets | 85.0046% | 3,136 |
| Equity capital to assets | 10.8622% | 3,096 |
| Core capital (leverage) ratio | 10.1509% | 3,369 |
| Tier 1 risk-based capital ratio | 11.8312% | 5,030 |
| Total risk-based capital ratio | 12.7861% | 5,119 |
| Memoranda: | ||
| Average total assets | $536,165,500 | 1,298 |
| Average earning assets | $486,994,000 | 1,308 |
| Average equity | $58,199,500 | 1,328 |
| Average total loans | $421,859,500 | 1,155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 790 |
| Cost of funding earning assets | 0.4505% | 2,624 |
| Net interest margin | 4.4389% | 729 |
| Noninterest income to average assets | 0.6488% | 2,463 |
| Noninterest expense to average assets | 3.6209% | 1,089 |
| Loan and lease loss provision to assets | 0.1891% | 1,175 |
| Net operating income to assets | 0.5639% | 4,446 |
| Return on assets (ROA) | 0.5757% | 4,489 |
| Pretax return on assets | 0.8938% | 3,859 |
| Return on Equity (ROE) | 4.5253% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.4205% | 4,340 |
| Net charge-offs to loans | 0.0423% | 3,373 |
| Credit loss provision to net charge-offs | 569.3548% | 588 |
| Earnings coverage of net charge-offs (x) | 32.0565% | 1,388 |
| Efficiency ratio | 77.0018% | 2,117 |
| Assets per employee ($millions) | 4.3907% | 3,233 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 5,185 |
| Loan loss allowance to noncurrent loans | 83.1622% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 2,519 |
| Noncurrent loans to loans | 1.0511% | 2,232 |
| Net loans and leases to total assets | 77.8070% | 1,146 |
| Net loans and leases to deposits | 95.2289% | 1,094 |
| Net loans and leases to core deposits | 113.5490% | 706 |
| Total domestic deposits to total assets | 81.7052% | 4,262 |
| Equity capital to assets | 10.8335% | 2,994 |
| Core capital (leverage) ratio | 9.9686% | 3,553 |
| Tier 1 risk-based capital ratio | 11.8191% | 5,057 |
| Total risk-based capital ratio | 12.6612% | 5,208 |
| Memoranda: | ||
| Average total assets | $373,445,400 | 1,757 |
| Average earning assets | $339,591,800 | 1,784 |
| Average equity | $47,510,200 | 1,558 |
| Average total loans | $293,199,400 | 1,489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 854 |
| Cost of funding earning assets | 0.4598% | 2,590 |
| Net interest margin | 4.3905% | 814 |
| Noninterest income to average assets | 0.7557% | 2,000 |
| Noninterest expense to average assets | 3.7278% | 937 |
| Loan and lease loss provision to assets | 0.2020% | 992 |
| Net operating income to assets | 0.5643% | 4,551 |
| Return on assets (ROA) | 0.5816% | 4,567 |
| Pretax return on assets | 0.8579% | 4,144 |
| Return on Equity (ROE) | 4.3170% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,399 |
| Net charge-offs to loans | 0.0351% | 3,211 |
| Credit loss provision to net charge-offs | 733.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 37.5498% | 1,306 |
| Efficiency ratio | 77.9697% | 1,949 |
| Assets per employee ($millions) | 4.1420% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 3,603 |
| Loan loss allowance to noncurrent loans | 114.5711% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 2,567 |
| Noncurrent loans to loans | 1.0549% | 2,374 |
| Net loans and leases to total assets | 80.2934% | 784 |
| Net loans and leases to deposits | 94.0041% | 1,203 |
| Net loans and leases to core deposits | 101.4007% | 1,418 |
| Total domestic deposits to total assets | 85.4147% | 2,820 |
| Equity capital to assets | 12.8504% | 1,532 |
| Core capital (leverage) ratio | 13.4465% | 1,037 |
| Tier 1 risk-based capital ratio | 15.1266% | 3,231 |
| Total risk-based capital ratio | 16.2810% | 3,215 |
| Memoranda: | ||
| Average total assets | $333,989,250 | 1,978 |
| Average earning assets | $304,771,250 | 2,009 |
| Average equity | $44,999,000 | 1,655 |
| Average total loans | $262,246,750 | 1,668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,034 |
| Cost of funding earning assets | 0.4649% | 2,562 |
| Net interest margin | 4.2532% | 1,010 |
| Noninterest income to average assets | 0.8806% | 1,508 |
| Noninterest expense to average assets | 3.7369% | 947 |
| Loan and lease loss provision to assets | 0.3062% | 494 |
| Net operating income to assets | 0.4861% | 4,828 |
| Return on assets (ROA) | 0.5132% | 4,819 |
| Pretax return on assets | 0.7545% | 4,477 |
| Return on Equity (ROE) | 3.7461% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.7461% | 3,627 |
| Net charge-offs to loans | 0.0047% | 3,737 |
| Credit loss provision to net charge-offs | 8,333.3333% | 59 |
| Earnings coverage of net charge-offs (x) | 277.8333% | 246 |
| Efficiency ratio | 78.2211% | 2,036 |
| Assets per employee ($millions) | 4.1324% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 3,010 |
| Loan loss allowance to noncurrent loans | 116.5520% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 2,538 |
| Noncurrent loans to loans | 1.1538% | 2,336 |
| Net loans and leases to total assets | 77.9367% | 1,071 |
| Net loans and leases to deposits | 90.7262% | 1,509 |
| Net loans and leases to core deposits | 99.3927% | 1,543 |
| Total domestic deposits to total assets | 85.9032% | 2,742 |
| Equity capital to assets | 13.4387% | 1,195 |
| Core capital (leverage) ratio | 13.2436% | 1,074 |
| Tier 1 risk-based capital ratio | 15.5980% | 3,049 |
| Total risk-based capital ratio | 16.8244% | 3,007 |
| Memoranda: | ||
| Average total assets | $326,580,670 | 2,039 |
| Average earning assets | $297,702,000 | 2,060 |
| Average equity | $44,740,330 | 1,669 |
| Average total loans | $253,157,000 | 1,725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,140 |
| Cost of funding earning assets | 0.4523% | 2,748 |
| Net interest margin | 4.1902% | 1,082 |
| Noninterest income to average assets | 0.4056% | 3,959 |
| Noninterest expense to average assets | 3.6973% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3605% | 5,219 |
| Return on assets (ROA) | 0.4093% | 5,148 |
| Pretax return on assets | 0.5941% | 4,931 |
| Return on Equity (ROE) | 2.9584% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.9584% | 4,198 |
| Net charge-offs to loans | 0.0178% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 38.3636% | 1,001 |
| Efficiency ratio | 87.2465% | 1,077 |
| Assets per employee ($millions) | 4.5378% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,821 |
| Loan loss allowance to noncurrent loans | 86.4551% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 1,635 |
| Noncurrent loans to loans | 1.4147% | 2,029 |
| Net loans and leases to total assets | 72.3997% | 1,748 |
| Net loans and leases to deposits | 85.8725% | 1,847 |
| Net loans and leases to core deposits | 94.0939% | 1,758 |
| Total domestic deposits to total assets | 84.3107% | 3,694 |
| Equity capital to assets | 13.1536% | 1,326 |
| Core capital (leverage) ratio | 13.7611% | 891 |
| Tier 1 risk-based capital ratio | 16.1870% | 2,828 |
| Total risk-based capital ratio | 17.2914% | 2,835 |
| Memoranda: | ||
| Average total assets | $322,507,000 | 2,071 |
| Average earning assets | $293,637,000 | 2,092 |
| Average equity | $44,619,000 | 1,677 |
| Average total loans | $247,519,500 | 1,759 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 373 |
| Cost of funding earning assets | 0.3884% | 3,813 |
| Net interest margin | 5.0224% | 295 |
| Noninterest income to average assets | 0.4988% | 3,524 |
| Noninterest expense to average assets | 3.5085% | 1,465 |
| Loan and lease loss provision to assets | -0.0891% | 6,127 |
| Net operating income to assets | 1.0447% | 2,192 |
| Return on assets (ROA) | 1.0838% | 2,094 |
| Pretax return on assets | 1.6764% | 1,037 |
| Return on Equity (ROE) | 7.0188% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.5250% | 2,245 |
| Net charge-offs to loans | 0.1221% | 2,803 |
| Credit loss provision to net charge-offs | -89.6057% | 5,500 |
| Earnings coverage of net charge-offs (x) | 15.3513% | 2,087 |
| Efficiency ratio | 69.3288% | 3,652 |
| Assets per employee ($millions) | 4.2317% | 3,474 |
| Cash dividends to net income (ytd only)* | 21.2829% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 3,734 |
| Loan loss allowance to noncurrent loans | 84.0560% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 1,345 |
| Noncurrent loans to loans | 1.4838% | 1,977 |
| Net loans and leases to total assets | 79.5996% | 799 |
| Net loans and leases to deposits | 100.4973% | 598 |
| Net loans and leases to core deposits | 105.9316% | 1,026 |
| Total domestic deposits to total assets | 79.2058% | 5,201 |
| Equity capital to assets | 14.5962% | 785 |
| Core capital (leverage) ratio | 15.0725% | 596 |
| Tier 1 risk-based capital ratio | 16.8742% | 2,560 |
| Total risk-based capital ratio | 18.0420% | 2,550 |
| Memoranda: | ||
| Average total assets | $280,490,000 | 2,275 |
| Average earning assets | $253,366,000 | 2,321 |
| Average equity | $43,312,400 | 1,661 |
| Average total loans | $228,436,400 | 1,832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 373 |
| Cost of funding earning assets | 0.3956% | 3,836 |
| Net interest margin | 5.0109% | 291 |
| Noninterest income to average assets | 0.5023% | 3,533 |
| Noninterest expense to average assets | 3.4697% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0167% | 2,378 |
| Return on assets (ROA) | 1.0363% | 2,358 |
| Pretax return on assets | 1.5852% | 1,371 |
| Return on Equity (ROE) | 6.6103% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.6103% | 2,038 |
| Net charge-offs to loans | -0.0262% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6938% | 3,725 |
| Assets per employee ($millions) | 4.5997% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 2,616 |
| Loan loss allowance to noncurrent loans | 71.0156% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2862% | 1,195 |
| Noncurrent loans to loans | 2.1400% | 1,441 |
| Net loans and leases to total assets | 81.3063% | 576 |
| Net loans and leases to deposits | 99.1283% | 661 |
| Net loans and leases to core deposits | 102.7532% | 1,172 |
| Total domestic deposits to total assets | 82.0213% | 4,468 |
| Equity capital to assets | 15.2542% | 685 |
| Core capital (leverage) ratio | 15.6503% | 521 |
| Tier 1 risk-based capital ratio | 16.6190% | 2,761 |
| Total risk-based capital ratio | 17.8705% | 2,716 |
| Memoranda: | ||
| Average total assets | $274,442,250 | 2,340 |
| Average earning assets | $247,693,750 | 2,384 |
| Average equity | $43,022,500 | 1,679 |
| Average total loans | $224,148,500 | 1,875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 355 |
| Cost of funding earning assets | 0.4029% | 3,840 |
| Net interest margin | 5.0243% | 271 |
| Noninterest income to average assets | 0.4701% | 3,714 |
| Noninterest expense to average assets | 3.4946% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9915% | 2,354 |
| Return on assets (ROA) | 1.0017% | 2,387 |
| Pretax return on assets | 1.5282% | 1,455 |
| Return on Equity (ROE) | 6.3291% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.3291% | 2,134 |
| Net charge-offs to loans | -0.0402% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4201% | 3,757 |
| Assets per employee ($millions) | 4.4086% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 2,334 |
| Loan loss allowance to noncurrent loans | 72.4303% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2977% | 1,302 |
| Noncurrent loans to loans | 2.2600% | 1,444 |
| Net loans and leases to total assets | 77.4381% | 987 |
| Net loans and leases to deposits | 96.2096% | 790 |
| Net loans and leases to core deposits | 100.2533% | 1,262 |
| Total domestic deposits to total assets | 80.4890% | 5,135 |
| Equity capital to assets | 15.3944% | 628 |
| Core capital (leverage) ratio | 15.9303% | 488 |
| Tier 1 risk-based capital ratio | 18.0908% | 2,210 |
| Total risk-based capital ratio | 19.3442% | 2,177 |
| Memoranda: | ||
| Average total assets | $269,329,000 | 2,378 |
| Average earning assets | $243,219,330 | 2,409 |
| Average equity | $42,628,670 | 1,676 |
| Average total loans | $219,115,670 | 1,908 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 321 |
| Cost of funding earning assets | 0.4137% | 3,828 |
| Net interest margin | 5.0284% | 257 |
| Noninterest income to average assets | 0.4610% | 3,705 |
| Noninterest expense to average assets | 3.6118% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9311% | 2,502 |
| Return on assets (ROA) | 0.9311% | 2,574 |
| Pretax return on assets | 1.4164% | 1,690 |
| Return on Equity (ROE) | 5.7974% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.7974% | 2,648 |
| Net charge-offs to loans | -0.0239% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4675% | 3,586 |
| Assets per employee ($millions) | 4.3755% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 2,499 |
| Loan loss allowance to noncurrent loans | 68.5883% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.5026% | 1,273 |
| Noncurrent loans to loans | 2.4113% | 1,454 |
| Net loans and leases to total assets | 79.0218% | 658 |
| Net loans and leases to deposits | 97.3613% | 579 |
| Net loans and leases to core deposits | 100.9831% | 1,037 |
| Total domestic deposits to total assets | 81.1635% | 5,190 |
| Equity capital to assets | 15.6929% | 568 |
| Core capital (leverage) ratio | 16.3761% | 432 |
| Tier 1 risk-based capital ratio | 18.2243% | 2,195 |
| Total risk-based capital ratio | 19.4778% | 2,159 |
| Memoranda: | ||
| Average total assets | $262,919,500 | 2,437 |
| Average earning assets | $238,802,500 | 2,459 |
| Average equity | $42,225,500 | 1,695 |
| Average total loans | $217,610,500 | 1,911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 189 |
| Cost of funding earning assets | 0.6648% | 2,076 |
| Net interest margin | 5.2828% | 191 |
| Noninterest income to average assets | 0.6315% | 2,908 |
| Noninterest expense to average assets | 3.5432% | 1,562 |
| Loan and lease loss provision to assets | 0.3456% | 919 |
| Net operating income to assets | 1.0257% | 2,223 |
| Return on assets (ROA) | 1.0456% | 2,204 |
| Pretax return on assets | 1.5468% | 1,309 |
| Return on Equity (ROE) | 7.0698% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.4533% | 2,307 |
| Net charge-offs to loans | 1.0326% | 550 |
| Credit loss provision to net charge-offs | 41.4866% | 4,011 |
| Earnings coverage of net charge-offs (x) | 2.2364% | 4,273 |
| Efficiency ratio | 65.2104% | 4,698 |
| Assets per employee ($millions) | 4.0406% | 3,780 |
| Cash dividends to net income (ytd only)* | 22.8650% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,554 |
| Loan loss allowance to noncurrent loans | 67.0024% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.5201% | 1,356 |
| Noncurrent loans to loans | 2.4677% | 1,543 |
| Net loans and leases to total assets | 83.9309% | 263 |
| Net loans and leases to deposits | 103.8204% | 329 |
| Net loans and leases to core deposits | 106.8912% | 749 |
| Total domestic deposits to total assets | 80.8424% | 5,223 |
| Equity capital to assets | 16.4517% | 452 |
| Core capital (leverage) ratio | 16.3065% | 438 |
| Tier 1 risk-based capital ratio | 18.0204% | 2,244 |
| Total risk-based capital ratio | 19.2741% | 2,210 |
| Memoranda: | ||
| Average total assets | $277,743,600 | 2,289 |
| Average earning assets | $251,040,600 | 2,313 |
| Average equity | $41,076,000 | 1,703 |
| Average total loans | $224,091,600 | 1,826 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9075% | 204 |
| Cost of funding earning assets | 0.7498% | 1,610 |
| Net interest margin | 5.1577% | 233 |
| Noninterest income to average assets | 0.5633% | 3,372 |
| Noninterest expense to average assets | 3.3824% | 1,864 |
| Loan and lease loss provision to assets | 0.3762% | 824 |
| Net operating income to assets | 0.9720% | 2,498 |
| Return on assets (ROA) | 0.9720% | 2,596 |
| Pretax return on assets | 1.4591% | 1,727 |
| Return on Equity (ROE) | 6.7423% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.7423% | 2,007 |
| Net charge-offs to loans | 0.3891% | 1,647 |
| Credit loss provision to net charge-offs | 121.3961% | 1,941 |
| Earnings coverage of net charge-offs (x) | 5.9226% | 3,075 |
| Efficiency ratio | 64.4917% | 4,723 |
| Assets per employee ($millions) | 4.0768% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,131 |
| Loan loss allowance to noncurrent loans | 67.6733% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 3.1125% | 1,174 |
| Noncurrent loans to loans | 3.4499% | 1,112 |
| Net loans and leases to total assets | 81.5604% | 400 |
| Net loans and leases to deposits | 100.2719% | 461 |
| Net loans and leases to core deposits | 104.1635% | 870 |
| Total domestic deposits to total assets | 81.3393% | 5,122 |
| Equity capital to assets | 16.0365% | 546 |
| Core capital (leverage) ratio | 15.7456% | 526 |
| Tier 1 risk-based capital ratio | 19.7306% | 1,805 |
| Total risk-based capital ratio | 20.9950% | 1,765 |
| Memoranda: | ||
| Average total assets | $283,540,250 | 2,254 |
| Average earning assets | $255,870,500 | 2,288 |
| Average equity | $40,875,250 | 1,725 |
| Average total loans | $225,803,500 | 1,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 210 |
| Cost of funding earning assets | 0.8655% | 1,056 |
| Net interest margin | 5.0313% | 296 |
| Noninterest income to average assets | 0.5682% | 3,394 |
| Noninterest expense to average assets | 3.2939% | 2,087 |
| Loan and lease loss provision to assets | 0.5497% | 484 |
| Net operating income to assets | 0.8541% | 3,025 |
| Return on assets (ROA) | 0.8541% | 3,168 |
| Pretax return on assets | 1.2739% | 2,392 |
| Return on Equity (ROE) | 6.1302% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.1302% | 2,354 |
| Net charge-offs to loans | 0.5104% | 1,285 |
| Credit loss provision to net charge-offs | 137.2213% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.5523% | 3,099 |
| Efficiency ratio | 64.3663% | 4,818 |
| Assets per employee ($millions) | 4.2911% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 1,358 |
| Loan loss allowance to noncurrent loans | 63.7014% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.1285% | 1,274 |
| Noncurrent loans to loans | 3.5104% | 1,210 |
| Net loans and leases to total assets | 80.9279% | 449 |
| Net loans and leases to deposits | 97.7308% | 557 |
| Net loans and leases to core deposits | 101.9005% | 947 |
| Total domestic deposits to total assets | 82.8070% | 4,779 |
| Equity capital to assets | 14.6981% | 781 |
| Core capital (leverage) ratio | 14.1718% | 781 |
| Tier 1 risk-based capital ratio | 16.7233% | 2,830 |
| Total risk-based capital ratio | 17.9839% | 2,794 |
| Memoranda: | ||
| Average total assets | $291,081,330 | 2,215 |
| Average earning assets | $263,190,330 | 2,239 |
| Average equity | $40,553,000 | 1,737 |
| Average total loans | $228,440,670 | 1,795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7803% | 242 |
| Cost of funding earning assets | 0.9523% | 777 |
| Net interest margin | 4.8279% | 381 |
| Noninterest income to average assets | 0.7767% | 2,228 |
| Noninterest expense to average assets | 3.1996% | 2,354 |
| Loan and lease loss provision to assets | 0.7067% | 337 |
| Net operating income to assets | 0.8238% | 3,030 |
| Return on assets (ROA) | 0.8238% | 3,172 |
| Pretax return on assets | 1.2855% | 2,272 |
| Return on Equity (ROE) | 6.0697% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.0697% | 2,641 |
| Net charge-offs to loans | -0.0423% | 6,055 |
| Credit loss provision to net charge-offs | -2,187.5000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6282% | 5,357 |
| Assets per employee ($millions) | 4.8837% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4412% | 1,192 |
| Loan loss allowance to noncurrent loans | 88.0609% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.4357% | 1,896 |
| Noncurrent loans to loans | 2.7722% | 1,831 |
| Net loans and leases to total assets | 71.3738% | 1,458 |
| Net loans and leases to deposits | 84.9987% | 1,470 |
| Net loans and leases to core deposits | 88.6474% | 1,841 |
| Total domestic deposits to total assets | 83.9705% | 4,485 |
| Equity capital to assets | 13.2032% | 1,338 |
| Core capital (leverage) ratio | 13.3210% | 1,010 |
| Tier 1 risk-based capital ratio | 17.0390% | 2,731 |
| Total risk-based capital ratio | 18.3024% | 2,699 |
| Memoranda: | ||
| Average total assets | $297,161,500 | 2,205 |
| Average earning assets | $271,751,500 | 2,205 |
| Average equity | $40,331,500 | 1,763 |
| Average total loans | $227,217,000 | 1,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1508% | 211 |
| Cost of funding earning assets | 1.0989% | 914 |
| Net interest margin | 5.0518% | 353 |
| Noninterest income to average assets | 2.6015% | 301 |
| Noninterest expense to average assets | 3.8758% | 1,123 |
| Loan and lease loss provision to assets | 0.9933% | 425 |
| Net operating income to assets | 1.4784% | 961 |
| Return on assets (ROA) | 1.4801% | 1,061 |
| Pretax return on assets | 2.3145% | 328 |
| Return on Equity (ROE) | 9.5564% | 2,383 |
| Retained earnings to average equity (ytd only) | 8.7272% | 902 |
| Net charge-offs to loans | 0.0423% | 5,327 |
| Credit loss provision to net charge-offs | 2,844.8276% | 84 |
| Earnings coverage of net charge-offs (x) | 94.6552% | 410 |
| Efficiency ratio | 53.8844% | 6,281 |
| Assets per employee ($millions) | 4.5500% | 2,880 |
| Cash dividends to net income (ytd only)* | 8.6768% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 1,638 |
| Loan loss allowance to noncurrent loans | 92.7085% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 2,164 |
| Noncurrent loans to loans | 2.3263% | 2,309 |
| Net loans and leases to total assets | 78.2820% | 644 |
| Net loans and leases to deposits | 94.4034% | 724 |
| Net loans and leases to core deposits | 98.1747% | 1,135 |
| Total domestic deposits to total assets | 82.9229% | 4,754 |
| Equity capital to assets | 13.9684% | 1,059 |
| Core capital (leverage) ratio | 13.8226% | 846 |
| Tier 1 risk-based capital ratio | 15.4651% | 3,447 |
| Total risk-based capital ratio | 16.7258% | 3,402 |
| Memoranda: | ||
| Average total assets | $249,164,000 | 2,540 |
| Average earning assets | $225,858,400 | 2,561 |
| Average equity | $38,591,800 | 1,800 |
| Average total loans | $205,445,000 | 1,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1833% | 220 |
| Cost of funding earning assets | 1.1285% | 949 |
| Net interest margin | 5.0548% | 369 |
| Noninterest income to average assets | 2.9191% | 255 |
| Noninterest expense to average assets | 3.5541% | 1,644 |
| Loan and lease loss provision to assets | 0.9174% | 475 |
| Net operating income to assets | 1.9199% | 435 |
| Return on assets (ROA) | 1.9199% | 504 |
| Pretax return on assets | 3.0425% | 148 |
| Return on Equity (ROE) | 12.0427% | 1,624 |
| Retained earnings to average equity (ytd only) | 12.0427% | 523 |
| Net charge-offs to loans | 0.0595% | 4,832 |
| Credit loss provision to net charge-offs | 1,853.9326% | 143 |
| Earnings coverage of net charge-offs (x) | 80.0249% | 515 |
| Efficiency ratio | 47.2991% | 6,758 |
| Assets per employee ($millions) | 4.1584% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 2,660 |
| Loan loss allowance to noncurrent loans | 65.1225% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.9245% | 1,794 |
| Noncurrent loans to loans | 2.8342% | 1,985 |
| Net loans and leases to total assets | 82.3082% | 320 |
| Net loans and leases to deposits | 101.0397% | 394 |
| Net loans and leases to core deposits | 105.1396% | 794 |
| Total domestic deposits to total assets | 81.4613% | 5,202 |
| Equity capital to assets | 15.0833% | 801 |
| Core capital (leverage) ratio | 14.3643% | 738 |
| Tier 1 risk-based capital ratio | 17.2500% | 2,627 |
| Total risk-based capital ratio | 18.5066% | 2,582 |
| Memoranda: | ||
| Average total assets | $239,793,250 | 2,655 |
| Average earning assets | $217,979,750 | 2,664 |
| Average equity | $38,229,750 | 1,833 |
| Average total loans | $199,471,500 | 2,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 711 |
| Cost of funding earning assets | 1.1278% | 1,105 |
| Net interest margin | 4.3798% | 1,258 |
| Noninterest income to average assets | 4.2223% | 173 |
| Noninterest expense to average assets | 3.5375% | 1,705 |
| Loan and lease loss provision to assets | 0.9956% | 442 |
| Net operating income to assets | 2.2544% | 261 |
| Return on assets (ROA) | 2.2544% | 295 |
| Pretax return on assets | 3.6699% | 96 |
| Return on Equity (ROE) | 13.8539% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.8539% | 361 |
| Net charge-offs to loans | -0.1357% | 6,921 |
| Credit loss provision to net charge-offs | -884.6154% | 6,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1240% | 6,985 |
| Assets per employee ($millions) | 4.4796% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 3,008 |
| Loan loss allowance to noncurrent loans | 58.4883% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.9547% | 1,864 |
| Noncurrent loans to loans | 3.0010% | 1,976 |
| Net loans and leases to total assets | 81.2822% | 383 |
| Net loans and leases to deposits | 98.8151% | 480 |
| Net loans and leases to core deposits | 101.3187% | 1,018 |
| Total domestic deposits to total assets | 82.2569% | 5,034 |
| Equity capital to assets | 14.8849% | 817 |
| Core capital (leverage) ratio | 14.4638% | 705 |
| Tier 1 risk-based capital ratio | 17.2416% | 2,571 |
| Total risk-based capital ratio | 18.4971% | 2,528 |
| Memoranda: | ||
| Average total assets | $231,012,670 | 2,744 |
| Average earning assets | $209,966,000 | 2,760 |
| Average equity | $37,592,330 | 1,857 |
| Average total loans | $191,572,000 | 2,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 745 |
| Cost of funding earning assets | 1.1289% | 1,263 |
| Net interest margin | 4.3807% | 1,271 |
| Noninterest income to average assets | 0.2874% | 5,577 |
| Noninterest expense to average assets | 3.2299% | 2,507 |
| Loan and lease loss provision to assets | 0.0933% | 4,179 |
| Net operating income to assets | 0.6083% | 4,307 |
| Return on assets (ROA) | 0.6083% | 4,518 |
| Pretax return on assets | 0.9609% | 3,825 |
| Return on Equity (ROE) | 3.5513% | 5,488 |
| Retained earnings to average equity (ytd only) | 3.5513% | 4,456 |
| Net charge-offs to loans | -0.2696% | 7,039 |
| Credit loss provision to net charge-offs | -41.6667% | 5,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3920% | 2,867 |
| Assets per employee ($millions) | 4.5014% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 4,181 |
| Loan loss allowance to noncurrent loans | 83.7324% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 3,115 |
| Noncurrent loans to loans | 1.7858% | 3,430 |
| Net loans and leases to total assets | 83.1731% | 210 |
| Net loans and leases to deposits | 100.7264% | 345 |
| Net loans and leases to core deposits | 104.8863% | 722 |
| Total domestic deposits to total assets | 82.5733% | 5,093 |
| Equity capital to assets | 17.0814% | 416 |
| Core capital (leverage) ratio | 17.2939% | 336 |
| Tier 1 risk-based capital ratio | 19.0421% | 1,977 |
| Total risk-based capital ratio | 20.2942% | 1,942 |
| Memoranda: | ||
| Average total assets | $214,372,000 | 2,953 |
| Average earning assets | $195,586,000 | 2,956 |
| Average equity | $36,718,500 | 1,896 |
| Average total loans | $178,027,000 | 2,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6470% | 876 |
| Cost of funding earning assets | 1.3440% | 1,269 |
| Net interest margin | 4.3030% | 1,688 |
| Noninterest income to average assets | 0.2552% | 5,704 |
| Noninterest expense to average assets | 3.1649% | 2,984 |
| Loan and lease loss provision to assets | 0.3337% | 3,024 |
| Net operating income to assets | 0.4277% | 4,744 |
| Return on assets (ROA) | 0.4498% | 4,851 |
| Pretax return on assets | 0.7089% | 4,295 |
| Return on Equity (ROE) | 2.8235% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.8235% | 4,229 |
| Net charge-offs to loans | 0.2177% | 4,428 |
| Credit loss provision to net charge-offs | 192.7746% | 1,323 |
| Earnings coverage of net charge-offs (x) | 5.8237% | 2,670 |
| Efficiency ratio | 75.8422% | 2,909 |
| Assets per employee ($millions) | 4.6235% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 5,888 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 80.4311% | 451 |
| Net loans and leases to deposits | 97.4323% | 592 |
| Net loans and leases to core deposits | 101.8536% | 1,037 |
| Total domestic deposits to total assets | 82.5507% | 4,950 |
| Equity capital to assets | 17.1761% | 430 |
| Core capital (leverage) ratio | 17.3262% | 342 |
| Tier 1 risk-based capital ratio | 19.5428% | 1,746 |
| Total risk-based capital ratio | 20.7945% | 1,714 |
| Memoranda: | ||
| Average total assets | $199,880,000 | 3,058 |
| Average earning assets | $181,991,000 | 3,063 |
| Average equity | $31,839,800 | 2,085 |
| Average total loans | $158,940,800 | 2,513 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 985 |
| Cost of funding earning assets | 1.4096% | 1,194 |
| Net interest margin | 4.2147% | 2,043 |
| Noninterest income to average assets | 0.2522% | 5,814 |
| Noninterest expense to average assets | 3.2031% | 2,824 |
| Loan and lease loss provision to assets | 0.4522% | 2,204 |
| Net operating income to assets | 0.2758% | 5,485 |
| Return on assets (ROA) | 0.3057% | 5,549 |
| Pretax return on assets | 0.4867% | 5,202 |
| Return on Equity (ROE) | 1.9608% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.9608% | 5,157 |
| Net charge-offs to loans | 0.1417% | 4,650 |
| Credit loss provision to net charge-offs | 404.2424% | 710 |
| Earnings coverage of net charge-offs (x) | 7.9759% | 2,269 |
| Efficiency ratio | 78.2155% | 2,518 |
| Assets per employee ($millions) | 5.0638% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,418 |
| Loan loss allowance to noncurrent loans | 802.6393% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 5,930 |
| Noncurrent loans to loans | 0.2067% | 6,463 |
| Net loans and leases to total assets | 78.1343% | 694 |
| Net loans and leases to deposits | 94.9577% | 765 |
| Net loans and leases to core deposits | 97.6041% | 1,454 |
| Total domestic deposits to total assets | 82.2832% | 4,980 |
| Equity capital to assets | 17.3863% | 448 |
| Core capital (leverage) ratio | 18.1054% | 315 |
| Tier 1 risk-based capital ratio | 20.0438% | 1,674 |
| Total risk-based capital ratio | 21.2976% | 1,645 |
| Memoranda: | ||
| Average total assets | $196,680,250 | 3,111 |
| Average earning assets | $179,338,000 | 3,119 |
| Average equity | $30,667,250 | 2,157 |
| Average total loans | $155,271,500 | 2,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 911 |
| Cost of funding earning assets | 1.4859% | 1,052 |
| Net interest margin | 4.1915% | 2,072 |
| Noninterest income to average assets | 0.2766% | 5,672 |
| Noninterest expense to average assets | 3.1383% | 3,119 |
| Loan and lease loss provision to assets | 0.5357% | 1,819 |
| Net operating income to assets | 0.2736% | 5,470 |
| Return on assets (ROA) | 0.3160% | 5,443 |
| Pretax return on assets | 0.5035% | 5,064 |
| Return on Equity (ROE) | 2.1138% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.1138% | 4,932 |
| Net charge-offs to loans | -0.0908% | 7,142 |
| Credit loss provision to net charge-offs | -749.2754% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3357% | 2,962 |
| Assets per employee ($millions) | 4.8645% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,913 |
| Loan loss allowance to noncurrent loans | 105.6929% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,541 |
| Noncurrent loans to loans | 1.7242% | 3,850 |
| Net loans and leases to total assets | 78.1350% | 760 |
| Net loans and leases to deposits | 92.2072% | 1,035 |
| Net loans and leases to core deposits | 95.1182% | 1,774 |
| Total domestic deposits to total assets | 84.7384% | 4,000 |
| Equity capital to assets | 14.9774% | 829 |
| Core capital (leverage) ratio | 14.8186% | 702 |
| Tier 1 risk-based capital ratio | 17.3175% | 2,407 |
| Total risk-based capital ratio | 18.5734% | 2,378 |
| Memoranda: | ||
| Average total assets | $193,034,670 | 3,185 |
| Average earning assets | $176,596,670 | 3,177 |
| Average equity | $28,857,330 | 2,254 |
| Average total loans | $152,043,000 | 2,659 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 1,041 |
| Cost of funding earning assets | 1.5022% | 1,155 |
| Net interest margin | 4.1023% | 2,257 |
| Noninterest income to average assets | 0.2080% | 6,248 |
| Noninterest expense to average assets | 2.9626% | 3,805 |
| Loan and lease loss provision to assets | 0.4681% | 1,877 |
| Net operating income to assets | 0.3537% | 5,158 |
| Return on assets (ROA) | 0.3537% | 5,235 |
| Pretax return on assets | 0.5555% | 4,848 |
| Return on Equity (ROE) | 2.3681% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.3681% | 4,728 |
| Net charge-offs to loans | -0.2602% | 7,315 |
| Credit loss provision to net charge-offs | -229.5918% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3215% | 3,460 |
| Assets per employee ($millions) | 5.5165% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,420 |
| Loan loss allowance to noncurrent loans | 90.2044% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1639% | 3,113 |
| Noncurrent loans to loans | 1.8595% | 3,747 |
| Net loans and leases to total assets | 77.7207% | 766 |
| Net loans and leases to deposits | 93.5787% | 865 |
| Net loans and leases to core deposits | 96.3572% | 1,647 |
| Total domestic deposits to total assets | 83.0538% | 4,903 |
| Equity capital to assets | 14.9330% | 780 |
| Core capital (leverage) ratio | 15.0530% | 656 |
| Tier 1 risk-based capital ratio | 17.3325% | 2,367 |
| Total risk-based capital ratio | 18.5865% | 2,339 |
| Memoranda: | ||
| Average total assets | $192,262,000 | 3,216 |
| Average earning assets | $177,071,500 | 3,194 |
| Average equity | $28,714,500 | 2,253 |
| Average total loans | $150,636,000 | 2,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6104% | 1,853 |
| Cost of funding earning assets | 1.9277% | 767 |
| Net interest margin | 3.6827% | 4,430 |
| Noninterest income to average assets | 0.2095% | 6,302 |
| Noninterest expense to average assets | 2.9109% | 4,182 |
| Loan and lease loss provision to assets | 0.7562% | 2,168 |
| Net operating income to assets | 0.8326% | 2,655 |
| Return on assets (ROA) | 0.9157% | 2,456 |
| Pretax return on assets | 0.0495% | 5,797 |
| Return on Equity (ROE) | 5.9735% | 3,621 |
| Retained earnings to average equity (ytd only) | 5.3636% | 2,206 |
| Net charge-offs to loans | 0.6431% | 3,089 |
| Credit loss provision to net charge-offs | 148.9707% | 2,439 |
| Earnings coverage of net charge-offs (x) | 1.4236% | 4,694 |
| Efficiency ratio | 80.1120% | 2,400 |
| Assets per employee ($millions) | 5.3180% | 1,735 |
| Cash dividends to net income (ytd only)* | 10.2102% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,983 |
| Loan loss allowance to noncurrent loans | 91.5643% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 4,485 |
| Noncurrent loans to loans | 1.6428% | 4,039 |
| Net loans and leases to total assets | 76.4782% | 1,186 |
| Net loans and leases to deposits | 91.0400% | 1,394 |
| Net loans and leases to core deposits | 93.7284% | 2,291 |
| Total domestic deposits to total assets | 84.0051% | 4,361 |
| Equity capital to assets | 14.9372% | 805 |
| Core capital (leverage) ratio | 14.6649% | 718 |
| Tier 1 risk-based capital ratio | 17.7708% | 2,075 |
| Total risk-based capital ratio | 19.0228% | 2,035 |
| Memoranda: | ||
| Average total assets | $181,832,600 | 3,347 |
| Average earning assets | $169,060,600 | 3,299 |
| Average equity | $27,873,200 | 2,319 |
| Average total loans | $143,524,400 | 2,878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 1,707 |
| Cost of funding earning assets | 2.0005% | 753 |
| Net interest margin | 3.7020% | 4,389 |
| Noninterest income to average assets | 0.2066% | 6,425 |
| Noninterest expense to average assets | 2.9047% | 4,071 |
| Loan and lease loss provision to assets | 0.5759% | 2,634 |
| Net operating income to assets | 0.2957% | 5,182 |
| Return on assets (ROA) | 0.4080% | 4,892 |
| Pretax return on assets | 0.2898% | 5,540 |
| Return on Equity (ROE) | 2.6433% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.8248% | 5,048 |
| Net charge-offs to loans | 0.7021% | 2,661 |
| Credit loss provision to net charge-offs | 103.4713% | 4,143 |
| Earnings coverage of net charge-offs (x) | 1.3538% | 4,723 |
| Efficiency ratio | 79.4028% | 2,435 |
| Assets per employee ($millions) | 5.0971% | 2,061 |
| Cash dividends to net income (ytd only)* | 30.9653% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 5,137 |
| Loan loss allowance to noncurrent loans | 215.1011% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 6,317 |
| Noncurrent loans to loans | 0.5885% | 6,039 |
| Net loans and leases to total assets | 74.8094% | 1,619 |
| Net loans and leases to deposits | 88.6809% | 1,914 |
| Net loans and leases to core deposits | 90.8690% | 2,977 |
| Total domestic deposits to total assets | 84.3579% | 3,934 |
| Equity capital to assets | 14.8038% | 943 |
| Core capital (leverage) ratio | 15.0837% | 701 |
| Tier 1 risk-based capital ratio | 18.4909% | 1,872 |
| Total risk-based capital ratio | 19.6986% | 1,845 |
| Memoranda: | ||
| Average total assets | $179,428,750 | 3,427 |
| Average earning assets | $167,291,000 | 3,371 |
| Average equity | $27,692,250 | 2,364 |
| Average total loans | $142,242,500 | 2,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8048% | 1,413 |
| Cost of funding earning assets | 2.0768% | 717 |
| Net interest margin | 3.7280% | 4,240 |
| Noninterest income to average assets | 0.1780% | 6,633 |
| Noninterest expense to average assets | 2.9007% | 4,075 |
| Loan and lease loss provision to assets | 0.5386% | 2,630 |
| Net operating income to assets | 0.3152% | 5,117 |
| Return on assets (ROA) | 0.3821% | 5,002 |
| Pretax return on assets | 0.2721% | 5,585 |
| Return on Equity (ROE) | 2.4406% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.2094% | 5,266 |
| Net charge-offs to loans | 0.4225% | 3,309 |
| Credit loss provision to net charge-offs | 158.3333% | 2,486 |
| Earnings coverage of net charge-offs (x) | 2.1867% | 3,924 |
| Efficiency ratio | 79.5893% | 2,495 |
| Assets per employee ($millions) | 5.6700% | 1,470 |
| Cash dividends to net income (ytd only)* | 50.4451% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,706 |
| Loan loss allowance to noncurrent loans | 113.3025% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 5,229 |
| Noncurrent loans to loans | 1.1871% | 4,976 |
| Net loans and leases to total assets | 79.1949% | 921 |
| Net loans and leases to deposits | 94.4888% | 1,209 |
| Net loans and leases to core deposits | 95.3801% | 2,522 |
| Total domestic deposits to total assets | 83.8140% | 4,194 |
| Equity capital to assets | 15.3152% | 820 |
| Core capital (leverage) ratio | 15.2395% | 682 |
| Tier 1 risk-based capital ratio | 18.0637% | 1,945 |
| Total risk-based capital ratio | 19.3142% | 1,911 |
| Memoranda: | ||
| Average total assets | $176,373,670 | 3,498 |
| Average earning assets | $164,001,000 | 3,447 |
| Average equity | $27,616,670 | 2,364 |
| Average total loans | $142,025,000 | 2,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8625% | 1,287 |
| Cost of funding earning assets | 2.1417% | 707 |
| Net interest margin | 3.7208% | 4,144 |
| Noninterest income to average assets | 0.1381% | 6,992 |
| Noninterest expense to average assets | 2.8555% | 4,247 |
| Loan and lease loss provision to assets | 0.4027% | 2,951 |
| Net operating income to assets | 0.4671% | 4,544 |
| Return on assets (ROA) | 0.4671% | 4,674 |
| Pretax return on assets | 0.3336% | 5,513 |
| Return on Equity (ROE) | 2.9494% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.9494% | 4,359 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5003% | 2,648 |
| Assets per employee ($millions) | 5.0976% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 4,491 |
| Loan loss allowance to noncurrent loans | 119.8898% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 5,322 |
| Noncurrent loans to loans | 1.1555% | 5,055 |
| Net loans and leases to total assets | 78.1599% | 1,121 |
| Net loans and leases to deposits | 94.2217% | 1,323 |
| Net loans and leases to core deposits | 97.1188% | 2,445 |
| Total domestic deposits to total assets | 82.9532% | 4,652 |
| Equity capital to assets | 15.5312% | 761 |
| Core capital (leverage) ratio | 15.6415% | 637 |
| Tier 1 risk-based capital ratio | 18.5020% | 1,833 |
| Total risk-based capital ratio | 19.7520% | 1,800 |
| Memoranda: | ||
| Average total assets | $173,840,000 | 3,595 |
| Average earning assets | $161,365,000 | 3,537 |
| Average equity | $27,531,000 | 2,406 |
| Average total loans | $140,212,000 | 3,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8821% | 2,314 |
| Cost of funding earning assets | 2.4266% | 1,223 |
| Net interest margin | 3.4556% | 5,148 |
| Noninterest income to average assets | 0.2042% | 6,649 |
| Noninterest expense to average assets | 3.2571% | 3,167 |
| Loan and lease loss provision to assets | 0.9659% | 2,339 |
| Net operating income to assets | -0.7013% | 6,367 |
| Return on assets (ROA) | -0.4905% | 6,163 |
| Pretax return on assets | -0.5885% | 6,086 |
| Return on Equity (ROE) | -2.5772% | 5,932 |
| Retained earnings to average equity (ytd only) | -2.5772% | 5,628 |
| Net charge-offs to loans | 0.6147% | 3,370 |
| Credit loss provision to net charge-offs | 197.4612% | 1,996 |
| Earnings coverage of net charge-offs (x) | 0.2525% | 5,867 |
| Efficiency ratio | 96.3469% | 1,299 |
| Assets per employee ($millions) | 4.7018% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,853 |
| Loan loss allowance to noncurrent loans | 103.1214% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 5,064 |
| Noncurrent loans to loans | 1.2445% | 4,868 |
| Net loans and leases to total assets | 81.0752% | 829 |
| Net loans and leases to deposits | 100.9482% | 830 |
| Net loans and leases to core deposits | 143.9532% | 677 |
| Total domestic deposits to total assets | 80.3137% | 5,581 |
| Equity capital to assets | 16.1593% | 675 |
| Core capital (leverage) ratio | 16.2825% | 574 |
| Tier 1 risk-based capital ratio | 18.2215% | 1,838 |
| Total risk-based capital ratio | 19.4186% | 1,801 |
| Memoranda: | ||
| Average total assets | $144,945,400 | 4,028 |
| Average earning assets | $133,234,400 | 4,025 |
| Average equity | $27,587,800 | 2,412 |
| Average total loans | $115,336,600 | 3,572 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8362% | 2,720 |
| Cost of funding earning assets | 2.4793% | 1,367 |
| Net interest margin | 3.3568% | 5,424 |
| Noninterest income to average assets | 0.2112% | 6,714 |
| Noninterest expense to average assets | 3.3566% | 2,702 |
| Loan and lease loss provision to assets | 1.2434% | 1,557 |
| Net operating income to assets | -1.2399% | 6,984 |
| Return on assets (ROA) | -0.9601% | 6,811 |
| Pretax return on assets | -1.0168% | 6,703 |
| Return on Equity (ROE) | -4.8226% | 6,429 |
| Retained earnings to average equity (ytd only) | -4.8226% | 6,233 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1625% | 976 |
| Assets per employee ($millions) | 4.5910% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 2,176 |
| Loan loss allowance to noncurrent loans | 93.9787% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,982 |
| Noncurrent loans to loans | 1.9563% | 3,695 |
| Net loans and leases to total assets | 79.3478% | 1,314 |
| Net loans and leases to deposits | 99.9922% | 1,104 |
| Net loans and leases to core deposits | 152.0264% | 540 |
| Total domestic deposits to total assets | 79.3540% | 5,677 |
| Equity capital to assets | 16.8541% | 653 |
| Core capital (leverage) ratio | 17.1294% | 538 |
| Tier 1 risk-based capital ratio | 19.2727% | 1,690 |
| Total risk-based capital ratio | 20.5283% | 1,657 |
| Memoranda: | ||
| Average total assets | $138,865,500 | 4,165 |
| Average earning assets | $127,180,750 | 4,175 |
| Average equity | $27,646,750 | 2,418 |
| Average total loans | $109,416,750 | 3,741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 2,606 |
| Cost of funding earning assets | 2.5552% | 1,426 |
| Net interest margin | 3.3394% | 5,406 |
| Noninterest income to average assets | 0.2280% | 6,652 |
| Noninterest expense to average assets | 3.5382% | 2,225 |
| Loan and lease loss provision to assets | 0.3192% | 4,030 |
| Net operating income to assets | -0.3395% | 6,374 |
| Return on assets (ROA) | -0.0380% | 5,972 |
| Pretax return on assets | -0.1231% | 6,025 |
| Return on Equity (ROE) | -0.1796% | 5,950 |
| Retained earnings to average equity (ytd only) | -0.1796% | 5,264 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4304% | 896 |
| Assets per employee ($millions) | 4.1680% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,632 |
| Loan loss allowance to noncurrent loans | 232.6786% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 6,499 |
| Noncurrent loans to loans | 0.4709% | 6,348 |
| Net loans and leases to total assets | 80.6260% | 1,206 |
| Net loans and leases to deposits | 107.9441% | 655 |
| Net loans and leases to core deposits | 178.5445% | 233 |
| Total domestic deposits to total assets | 74.6924% | 6,826 |
| Equity capital to assets | 19.0936% | 452 |
| Core capital (leverage) ratio | 19.9415% | 364 |
| Tier 1 risk-based capital ratio | 20.3938% | 1,506 |
| Total risk-based capital ratio | 21.3538% | 1,524 |
| Memoranda: | ||
| Average total assets | $131,592,330 | 4,359 |
| Average earning assets | $119,600,670 | 4,384 |
| Average equity | $27,835,000 | 2,414 |
| Average total loans | $102,593,000 | 3,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 3,572 |
| Cost of funding earning assets | 2.5911% | 1,591 |
| Net interest margin | 3.1516% | 6,013 |
| Noninterest income to average assets | 0.2089% | 6,801 |
| Noninterest expense to average assets | 3.6224% | 1,810 |
| Loan and lease loss provision to assets | 0.4178% | 2,833 |
| Net operating income to assets | -0.8151% | 7,136 |
| Return on assets (ROA) | -0.4436% | 6,887 |
| Pretax return on assets | -0.5207% | 6,836 |
| Return on Equity (ROE) | -1.9838% | 6,656 |
| Retained earnings to average equity (ytd only) | -1.9838% | 6,103 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5182% | 667 |
| Assets per employee ($millions) | 4.1397% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,913 |
| Loan loss allowance to noncurrent loans | 218.3929% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 6,237 |
| Noncurrent loans to loans | 0.5418% | 6,060 |
| Net loans and leases to total assets | 77.1020% | 2,017 |
| Net loans and leases to deposits | 104.3076% | 987 |
| Net loans and leases to core deposits | 176.5274% | 273 |
| Total domestic deposits to total assets | 73.9179% | 6,907 |
| Equity capital to assets | 20.9806% | 366 |
| Core capital (leverage) ratio | 22.0044% | 306 |
| Tier 1 risk-based capital ratio | 24.0912% | 1,071 |
| Total risk-based capital ratio | 25.1627% | 1,068 |
| Memoranda: | ||
| Average total assets | $124,448,000 | 4,526 |
| Average earning assets | $113,467,500 | 4,546 |
| Average equity | $27,825,500 | 2,430 |
| Average total loans | $94,429,000 | 4,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 7,698 |
| Cost of funding earning assets | 2.4828% | 4,297 |
| Net interest margin | 2.6964% | 7,502 |
| Noninterest income to average assets | 0.1601% | 7,278 |
| Noninterest expense to average assets | 5.0457% | 607 |
| Loan and lease loss provision to assets | 0.8421% | 1,773 |
| Net operating income to assets | -3.2274% | 7,871 |
| Return on assets (ROA) | -3.1954% | 7,839 |
| Pretax return on assets | -3.1954% | 7,757 |
| Return on Equity (ROE) | -9.2770% | 7,220 |
| Retained earnings to average equity (ytd only) | -9.2770% | 6,998 |
| Net charge-offs to loans | 0.1719% | 4,487 |
| Credit loss provision to net charge-offs | 788.8889% | 549 |
| Earnings coverage of net charge-offs (x) | -22.3444% | 6,947 |
| Efficiency ratio | 189.6567% | 217 |
| Assets per employee ($millions) | 3.8809% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 3,939 |
| Loan loss allowance to noncurrent loans | 195.1786% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 5,772 |
| Noncurrent loans to loans | 0.6550% | 5,401 |
| Net loans and leases to total assets | 72.4967% | 3,484 |
| Net loans and leases to deposits | 102.9279% | 1,481 |
| Net loans and leases to core deposits | 179.0366% | 298 |
| Total domestic deposits to total assets | 70.4344% | 7,226 |
| Equity capital to assets | 23.9276% | 288 |
| Core capital (leverage) ratio | 23.5265% | 290 |
| Tier 1 risk-based capital ratio | 28.0469% | 759 |
| Total risk-based capital ratio | 29.1595% | 749 |
| Memoranda: | ||
| Average total assets | $84,309,000 | 5,550 |
| Average earning assets | $78,177,000 | 5,489 |
| Average equity | $29,039,600 | 2,329 |
| Average total loans | $52,368,200 | 5,604 |