Home > State Bank Financial > Performance and Condition Ratios
State Bank Financial, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 2,919 |
| Cost of funding earning assets | 1.5149% | 1,911 |
| Net interest margin | 3.0739% | 3,148 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.0100% | 3,600 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1830% | 1,689 |
| Return on assets (ROA) | 1.2059% | 1,610 |
| Pretax return on assets | 1.2059% | 2,121 |
| Return on Equity (ROE) | 17.2700% | 918 |
| Retained earnings to average equity (ytd only) | 10.1534% | 978 |
| Net charge-offs to loans | -0.0214% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7635% | 2,865 |
| Assets per employee ($millions) | 7.5642% | 1,688 |
| Cash dividends to net income (ytd only)* | 41.2163% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,030 |
| Loan loss allowance to noncurrent loans | 348.0427% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,370 |
| Noncurrent loans to loans | 0.3042% | 2,097 |
| Net loans and leases to total assets | 56.6400% | 3,149 |
| Net loans and leases to deposits | 71.0127% | 2,814 |
| Net loans and leases to core deposits | 71.9093% | 3,200 |
| Total domestic deposits to total assets | 79.7600% | 3,502 |
| Equity capital to assets | 7.2984% | 3,819 |
| Core capital (leverage) ratio | 9.8276% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2472% | 1,463 |
| Memoranda: | ||
| Average total assets | $452,679,600 | 1,850 |
| Average earning assets | $414,093,400 | 1,861 |
| Average equity | $31,605,200 | 2,196 |
| Average total loans | $266,290,800 | 1,930 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,873 |
| Cost of funding earning assets | 1.3838% | 1,908 |
| Net interest margin | 3.1325% | 3,077 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0334% | 3,509 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1195% | 1,991 |
| Return on assets (ROA) | 1.1195% | 1,974 |
| Pretax return on assets | 1.1903% | 2,323 |
| Return on Equity (ROE) | 16.2400% | 1,214 |
| Retained earnings to average equity (ytd only) | 10.1757% | 1,355 |
| Net charge-offs to loans | -0.0283% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7232% | 2,754 |
| Assets per employee ($millions) | 7.4873% | 1,639 |
| Cash dividends to net income (ytd only)* | 37.3226% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,411 |
| Loan loss allowance to noncurrent loans | 380.1402% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 2,320 |
| Noncurrent loans to loans | 0.3132% | 2,111 |
| Net loans and leases to total assets | 60.1200% | 2,831 |
| Net loans and leases to deposits | 71.3749% | 2,750 |
| Net loans and leases to core deposits | 72.1272% | 3,101 |
| Total domestic deposits to total assets | 84.2300% | 2,709 |
| Equity capital to assets | 6.6254% | 3,787 |
| Core capital (leverage) ratio | 10.0787% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8371% | 1,615 |
| Memoranda: | ||
| Average total assets | $444,822,250 | 1,874 |
| Average earning assets | $406,781,000 | 1,887 |
| Average equity | $30,673,500 | 2,219 |
| Average total loans | $263,583,000 | 1,944 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 2,773 |
| Cost of funding earning assets | 1.2059% | 1,971 |
| Net interest margin | 3.2436% | 2,880 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.0440% | 3,479 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1991% | 1,835 |
| Return on assets (ROA) | 1.1991% | 1,824 |
| Pretax return on assets | 1.2784% | 2,136 |
| Return on Equity (ROE) | 17.1600% | 1,074 |
| Retained earnings to average equity (ytd only) | 10.2593% | 1,340 |
| Net charge-offs to loans | -0.0054% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.3008% | 2,929 |
| Assets per employee ($millions) | 7.6782% | 1,484 |
| Cash dividends to net income (ytd only)* | 40.2182% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,488 |
| Loan loss allowance to noncurrent loans | 433.6579% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,415 |
| Noncurrent loans to loans | 0.2744% | 2,171 |
| Net loans and leases to total assets | 59.1600% | 2,854 |
| Net loans and leases to deposits | 73.5796% | 2,533 |
| Net loans and leases to core deposits | 74.2892% | 2,863 |
| Total domestic deposits to total assets | 80.4000% | 3,517 |
| Equity capital to assets | 7.1035% | 3,737 |
| Core capital (leverage) ratio | 10.0526% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1642% | 1,521 |
| Memoranda: | ||
| Average total assets | $443,349,667 | 1,880 |
| Average earning assets | $405,167,333 | 1,898 |
| Average equity | $30,976,667 | 2,220 |
| Average total loans | $260,328,667 | 1,954 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 2,462 |
| Cost of funding earning assets | 0.9235% | 2,302 |
| Net interest margin | 3.5073% | 2,342 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1309% | 3,300 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3017% | 1,659 |
| Return on assets (ROA) | 1.3017% | 1,632 |
| Pretax return on assets | 1.3967% | 1,889 |
| Return on Equity (ROE) | 18.7800% | 918 |
| Retained earnings to average equity (ytd only) | 14.9415% | 808 |
| Net charge-offs to loans | -0.0092% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7784% | 3,096 |
| Assets per employee ($millions) | 7.7610% | 1,485 |
| Cash dividends to net income (ytd only)* | 20.4545% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,743 |
| Loan loss allowance to noncurrent loans | 420.3552% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 2,345 |
| Noncurrent loans to loans | 0.2770% | 2,154 |
| Net loans and leases to total assets | 59.0500% | 2,765 |
| Net loans and leases to deposits | 71.0137% | 2,540 |
| Net loans and leases to core deposits | 71.2063% | 2,869 |
| Total domestic deposits to total assets | 83.1500% | 3,266 |
| Equity capital to assets | 7.4337% | 3,596 |
| Core capital (leverage) ratio | 9.7219% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8774% | 1,660 |
| Memoranda: | ||
| Average total assets | $446,196,000 | 1,891 |
| Average earning assets | $407,146,500 | 1,911 |
| Average equity | $30,920,500 | 2,253 |
| Average total loans | $259,483,500 | 1,976 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0096% | 4,121 |
| Cost of funding earning assets | 0.2813% | 3,029 |
| Net interest margin | 2.7283% | 4,017 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.8841% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9937% | 2,592 |
| Return on assets (ROA) | 0.9921% | 2,547 |
| Pretax return on assets | 1.0759% | 2,846 |
| Return on Equity (ROE) | 14.1600% | 1,497 |
| Retained earnings to average equity (ytd only) | 7.9104% | 1,870 |
| Net charge-offs to loans | -0.0013% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5238% | 2,564 |
| Assets per employee ($millions) | 8.1821% | 1,238 |
| Cash dividends to net income (ytd only)* | 44.1221% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,790 |
| Loan loss allowance to noncurrent loans | 224.9211% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,743 |
| Noncurrent loans to loans | 0.4979% | 1,452 |
| Net loans and leases to total assets | 55.9600% | 3,039 |
| Net loans and leases to deposits | 63.5589% | 3,076 |
| Net loans and leases to core deposits | 63.7184% | 3,281 |
| Total domestic deposits to total assets | 88.0400% | 2,063 |
| Equity capital to assets | 6.4345% | 3,925 |
| Core capital (leverage) ratio | 9.3253% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6181% | 1,758 |
| Memoranda: | ||
| Average total assets | $465,569,600 | 1,816 |
| Average earning assets | $426,932,200 | 1,830 |
| Average equity | $32,627,800 | 2,214 |
| Average total loans | $236,128,600 | 2,017 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6673% | 4,320 |
| Cost of funding earning assets | 0.2171% | 3,073 |
| Net interest margin | 2.4502% | 4,260 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.8850% | 3,780 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7736% | 3,344 |
| Return on assets (ROA) | 0.7736% | 3,299 |
| Pretax return on assets | 0.8310% | 3,506 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 6.5898% | 2,524 |
| Net charge-offs to loans | -0.0023% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.2581% | 1,854 |
| Assets per employee ($millions) | 8.0267% | 1,309 |
| Cash dividends to net income (ytd only)* | 39.1336% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,561 |
| Loan loss allowance to noncurrent loans | 162.2867% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 1,385 |
| Noncurrent loans to loans | 0.7358% | 1,105 |
| Net loans and leases to total assets | 52.5200% | 3,232 |
| Net loans and leases to deposits | 57.8951% | 3,352 |
| Net loans and leases to core deposits | 57.8951% | 3,508 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 6.0737% | 3,937 |
| Core capital (leverage) ratio | 9.1911% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1960% | 1,650 |
| Memoranda: | ||
| Average total assets | $469,458,500 | 1,814 |
| Average earning assets | $431,838,250 | 1,821 |
| Average equity | $33,545,750 | 2,207 |
| Average total loans | $231,493,000 | 2,043 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3969% | 4,464 |
| Cost of funding earning assets | 0.1901% | 3,049 |
| Net interest margin | 2.2068% | 4,423 |
| Noninterest income to average assets | 0.4835% | 2,292 |
| Noninterest expense to average assets | 1.8353% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6414% | 3,502 |
| Return on assets (ROA) | 0.6414% | 3,452 |
| Pretax return on assets | 0.6822% | 3,619 |
| Return on Equity (ROE) | 8.5721% | 2,839 |
| Retained earnings to average equity (ytd only) | 3.4356% | 3,299 |
| Net charge-offs to loans | -0.0017% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9017% | 1,641 |
| Assets per employee ($millions) | 7.3250% | 1,719 |
| Cash dividends to net income (ytd only)* | 59.9214% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,800 |
| Loan loss allowance to noncurrent loans | 158.5106% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,386 |
| Noncurrent loans to loans | 0.7439% | 1,156 |
| Net loans and leases to total assets | 53.9829% | 2,968 |
| Net loans and leases to deposits | 59.6252% | 3,082 |
| Net loans and leases to core deposits | 59.6252% | 3,298 |
| Total domestic deposits to total assets | 90.5370% | 1,445 |
| Equity capital to assets | 6.9995% | 3,770 |
| Core capital (leverage) ratio | 8.4272% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2146% | 1,652 |
| Memoranda: | ||
| Average total assets | $476,113,667 | 1,802 |
| Average earning assets | $438,816,667 | 1,815 |
| Average equity | $35,627,333 | 2,176 |
| Average total loans | $229,020,333 | 2,057 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1843% | 4,539 |
| Cost of funding earning assets | 0.1766% | 3,131 |
| Net interest margin | 2.0077% | 4,510 |
| Noninterest income to average assets | 0.4247% | 2,530 |
| Noninterest expense to average assets | 1.7888% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4514% | 3,841 |
| Return on assets (ROA) | 0.4514% | 3,807 |
| Pretax return on assets | 0.4846% | 3,891 |
| Return on Equity (ROE) | 5.8645% | 3,382 |
| Retained earnings to average equity (ytd only) | 2.1440% | 3,507 |
| Net charge-offs to loans | -0.0018% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6833% | 1,254 |
| Assets per employee ($millions) | 8.0982% | 1,311 |
| Cash dividends to net income (ytd only)* | 63.4409% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,618 |
| Loan loss allowance to noncurrent loans | 161.4375% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 1,734 |
| Noncurrent loans to loans | 0.7720% | 1,235 |
| Net loans and leases to total assets | 43.9512% | 3,744 |
| Net loans and leases to deposits | 49.9092% | 3,736 |
| Net loans and leases to core deposits | 49.9092% | 3,880 |
| Total domestic deposits to total assets | 88.0623% | 2,493 |
| Equity capital to assets | 6.8202% | 4,292 |
| Core capital (leverage) ratio | 8.4714% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7884% | 1,564 |
| Memoranda: | ||
| Average total assets | $494,419,500 | 1,748 |
| Average earning assets | $455,240,000 | 1,769 |
| Average equity | $38,059,500 | 2,126 |
| Average total loans | $223,487,000 | 2,086 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5042% | 4,477 |
| Cost of funding earning assets | 0.2295% | 3,140 |
| Net interest margin | 2.2746% | 4,435 |
| Noninterest income to average assets | 0.6119% | 2,104 |
| Noninterest expense to average assets | 1.9495% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7585% | 3,460 |
| Return on assets (ROA) | 0.8121% | 3,367 |
| Pretax return on assets | 0.8177% | 3,688 |
| Return on Equity (ROE) | 8.8755% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.3365% | 3,875 |
| Net charge-offs to loans | -0.0013% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8558% | 1,527 |
| Assets per employee ($millions) | 8.2526% | 1,192 |
| Cash dividends to net income (ytd only)* | 73.6744% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,426 |
| Loan loss allowance to noncurrent loans | 158.9326% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 1,734 |
| Noncurrent loans to loans | 0.8094% | 1,260 |
| Net loans and leases to total assets | 45.3528% | 3,737 |
| Net loans and leases to deposits | 53.4206% | 3,637 |
| Net loans and leases to core deposits | 53.4631% | 3,797 |
| Total domestic deposits to total assets | 84.8975% | 3,303 |
| Equity capital to assets | 8.6332% | 3,956 |
| Core capital (leverage) ratio | 8.3105% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1420% | 1,468 |
| Memoranda: | ||
| Average total assets | $462,161,400 | 1,806 |
| Average earning assets | $426,924,600 | 1,813 |
| Average equity | $42,285,000 | 2,007 |
| Average total loans | $225,539,600 | 2,074 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5631% | 4,525 |
| Cost of funding earning assets | 0.2430% | 3,184 |
| Net interest margin | 2.3201% | 4,472 |
| Noninterest income to average assets | 0.6305% | 2,097 |
| Noninterest expense to average assets | 1.9736% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7993% | 3,521 |
| Return on assets (ROA) | 0.7993% | 3,596 |
| Pretax return on assets | 0.8052% | 3,883 |
| Return on Equity (ROE) | 8.6095% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.0916% | 3,550 |
| Net charge-offs to loans | -0.0018% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0245% | 1,491 |
| Assets per employee ($millions) | 7.3758% | 1,636 |
| Cash dividends to net income (ytd only)* | 52.4763% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 2,447 |
| Loan loss allowance to noncurrent loans | 160.8300% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,929 |
| Noncurrent loans to loans | 0.8130% | 1,401 |
| Net loans and leases to total assets | 45.9534% | 3,801 |
| Net loans and leases to deposits | 52.7974% | 3,828 |
| Net loans and leases to core deposits | 53.0543% | 3,976 |
| Total domestic deposits to total assets | 87.0372% | 2,340 |
| Equity capital to assets | 9.2391% | 3,613 |
| Core capital (leverage) ratio | 8.6849% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6689% | 1,440 |
| Memoranda: | ||
| Average total assets | $458,039,250 | 1,838 |
| Average earning assets | $424,109,500 | 1,839 |
| Average equity | $42,525,500 | 2,019 |
| Average total loans | $226,947,000 | 2,100 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 4,569 |
| Cost of funding earning assets | 0.2546% | 3,244 |
| Net interest margin | 2.3157% | 4,504 |
| Noninterest income to average assets | 0.6397% | 2,045 |
| Noninterest expense to average assets | 2.0201% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7569% | 3,624 |
| Return on assets (ROA) | 0.7569% | 3,693 |
| Pretax return on assets | 0.7630% | 3,938 |
| Return on Equity (ROE) | 8.1387% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.6327% | 3,962 |
| Net charge-offs to loans | -0.0026% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5840% | 1,371 |
| Assets per employee ($millions) | 7.0993% | 1,729 |
| Cash dividends to net income (ytd only)* | 67.6522% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,682 |
| Loan loss allowance to noncurrent loans | 169.5027% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 2,090 |
| Noncurrent loans to loans | 0.7370% | 1,615 |
| Net loans and leases to total assets | 50.8054% | 3,471 |
| Net loans and leases to deposits | 60.2853% | 3,371 |
| Net loans and leases to core deposits | 60.8137% | 3,561 |
| Total domestic deposits to total assets | 84.2750% | 3,348 |
| Equity capital to assets | 9.5927% | 3,257 |
| Core capital (leverage) ratio | 8.8401% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2084% | 1,560 |
| Memoranda: | ||
| Average total assets | $455,827,333 | 1,830 |
| Average earning assets | $421,908,000 | 1,839 |
| Average equity | $42,390,000 | 2,019 |
| Average total loans | $230,475,000 | 2,096 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5977% | 4,573 |
| Cost of funding earning assets | 0.2621% | 3,360 |
| Net interest margin | 2.3356% | 4,482 |
| Noninterest income to average assets | 0.6030% | 2,191 |
| Noninterest expense to average assets | 2.0929% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6626% | 3,795 |
| Return on assets (ROA) | 0.6626% | 3,870 |
| Pretax return on assets | 0.6703% | 4,079 |
| Return on Equity (ROE) | 7.2327% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.6746% | 3,877 |
| Net charge-offs to loans | -0.0034% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7415% | 1,160 |
| Assets per employee ($millions) | 7.0153% | 1,793 |
| Cash dividends to net income (ytd only)* | 63.0208% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,771 |
| Loan loss allowance to noncurrent loans | 137.3482% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,080 |
| Noncurrent loans to loans | 0.8941% | 1,512 |
| Net loans and leases to total assets | 48.3922% | 3,771 |
| Net loans and leases to deposits | 57.4029% | 3,683 |
| Net loans and leases to core deposits | 57.9924% | 3,835 |
| Total domestic deposits to total assets | 84.3027% | 3,340 |
| Equity capital to assets | 8.9091% | 3,779 |
| Core capital (leverage) ratio | 8.5489% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5425% | 1,726 |
| Memoranda: | ||
| Average total assets | $463,662,000 | 1,796 |
| Average earning assets | $428,841,500 | 1,810 |
| Average equity | $42,473,500 | 2,003 |
| Average total loans | $232,486,000 | 2,083 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2371% | 4,411 |
| Cost of funding earning assets | 0.4437% | 3,319 |
| Net interest margin | 2.7934% | 4,274 |
| Noninterest income to average assets | 0.7239% | 1,770 |
| Noninterest expense to average assets | 2.2611% | 3,509 |
| Loan and lease loss provision to assets | 0.0910% | 3,225 |
| Net operating income to assets | 0.9156% | 2,628 |
| Return on assets (ROA) | 0.9447% | 2,652 |
| Pretax return on assets | 0.9486% | 3,223 |
| Return on Equity (ROE) | 9.3305% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.2689% | 2,669 |
| Net charge-offs to loans | 0.0245% | 2,550 |
| Credit loss provision to net charge-offs | 632.2034% | 1,069 |
| Earnings coverage of net charge-offs (x) | 70.2203% | 973 |
| Efficiency ratio | 69.1121% | 2,078 |
| Assets per employee ($millions) | 6.9288% | 1,627 |
| Cash dividends to net income (ytd only)* | 54.2474% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,921 |
| Loan loss allowance to noncurrent loans | 147.2642% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 2,321 |
| Noncurrent loans to loans | 0.8177% | 1,713 |
| Net loans and leases to total assets | 50.7026% | 3,768 |
| Net loans and leases to deposits | 61.8499% | 3,614 |
| Net loans and leases to core deposits | 62.6513% | 3,798 |
| Total domestic deposits to total assets | 81.9768% | 3,669 |
| Equity capital to assets | 9.4188% | 3,684 |
| Core capital (leverage) ratio | 8.9451% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5262% | 1,674 |
| Memoranda: | ||
| Average total assets | $409,983,400 | 1,832 |
| Average earning assets | $373,920,600 | 1,856 |
| Average equity | $41,509,200 | 1,969 |
| Average total loans | $240,708,200 | 1,969 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 4,568 |
| Cost of funding earning assets | 0.4951% | 3,258 |
| Net interest margin | 2.7237% | 4,442 |
| Noninterest income to average assets | 0.8003% | 1,496 |
| Noninterest expense to average assets | 2.3243% | 3,359 |
| Loan and lease loss provision to assets | 0.1246% | 2,778 |
| Net operating income to assets | 0.8266% | 2,992 |
| Return on assets (ROA) | 0.8378% | 3,081 |
| Pretax return on assets | 0.8425% | 3,537 |
| Return on Equity (ROE) | 8.1129% | 2,766 |
| Retained earnings to average equity (ytd only) | 3.1258% | 3,462 |
| Net charge-offs to loans | 0.0330% | 2,168 |
| Credit loss provision to net charge-offs | 620.0000% | 1,147 |
| Earnings coverage of net charge-offs (x) | 47.5667% | 1,230 |
| Efficiency ratio | 70.8627% | 1,767 |
| Assets per employee ($millions) | 6.6130% | 1,742 |
| Cash dividends to net income (ytd only)* | 61.4708% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,334 |
| Loan loss allowance to noncurrent loans | 112.0190% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 1,967 |
| Noncurrent loans to loans | 0.9595% | 1,570 |
| Net loans and leases to total assets | 60.4648% | 3,175 |
| Net loans and leases to deposits | 71.7433% | 3,158 |
| Net loans and leases to core deposits | 72.7030% | 3,414 |
| Total domestic deposits to total assets | 84.2793% | 2,722 |
| Equity capital to assets | 9.8537% | 3,376 |
| Core capital (leverage) ratio | 8.5765% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0223% | 1,823 |
| Memoranda: | ||
| Average total assets | $398,154,250 | 1,848 |
| Average earning assets | $362,493,250 | 1,874 |
| Average equity | $41,118,500 | 1,969 |
| Average total loans | $242,213,000 | 1,962 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 4,598 |
| Cost of funding earning assets | 0.5332% | 3,329 |
| Net interest margin | 2.8093% | 4,435 |
| Noninterest income to average assets | 0.7647% | 1,540 |
| Noninterest expense to average assets | 2.2126% | 3,741 |
| Loan and lease loss provision to assets | 0.1605% | 2,396 |
| Net operating income to assets | 0.9377% | 2,549 |
| Return on assets (ROA) | 0.9515% | 2,618 |
| Pretax return on assets | 0.9582% | 3,156 |
| Return on Equity (ROE) | 9.0601% | 2,336 |
| Retained earnings to average equity (ytd only) | 3.1494% | 3,326 |
| Net charge-offs to loans | 0.0034% | 2,866 |
| Credit loss provision to net charge-offs | 7,775.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 535.2500% | 195 |
| Efficiency ratio | 66.6978% | 2,417 |
| Assets per employee ($millions) | 6.9941% | 1,440 |
| Cash dividends to net income (ytd only)* | 65.2386% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,329 |
| Loan loss allowance to noncurrent loans | 79.7454% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 1,548 |
| Noncurrent loans to loans | 1.3134% | 1,176 |
| Net loans and leases to total assets | 60.4418% | 3,272 |
| Net loans and leases to deposits | 71.7328% | 3,285 |
| Net loans and leases to core deposits | 72.9672% | 3,522 |
| Total domestic deposits to total assets | 84.2597% | 2,657 |
| Equity capital to assets | 9.5664% | 3,593 |
| Core capital (leverage) ratio | 9.2001% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5610% | 1,975 |
| Memoranda: | ||
| Average total assets | $387,590,000 | 1,857 |
| Average earning assets | $352,191,333 | 1,890 |
| Average equity | $40,706,000 | 1,967 |
| Average total loans | $235,374,000 | 1,980 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,440 |
| Cost of funding earning assets | 0.6207% | 3,327 |
| Net interest margin | 3.0508% | 4,203 |
| Noninterest income to average assets | 0.6115% | 1,988 |
| Noninterest expense to average assets | 2.4139% | 3,509 |
| Loan and lease loss provision to assets | 0.0665% | 2,933 |
| Net operating income to assets | 0.8809% | 2,582 |
| Return on assets (ROA) | 0.8951% | 2,644 |
| Pretax return on assets | 0.9062% | 3,123 |
| Return on Equity (ROE) | 8.0834% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.6716% | 2,817 |
| Net charge-offs to loans | 0.0092% | 2,233 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 383 |
| Efficiency ratio | 71.5834% | 2,145 |
| Assets per employee ($millions) | 5.6720% | 1,956 |
| Cash dividends to net income (ytd only)* | 54.5792% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,800 |
| Loan loss allowance to noncurrent loans | 72.5756% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 1,335 |
| Noncurrent loans to loans | 1.6194% | 954 |
| Net loans and leases to total assets | 60.4054% | 3,455 |
| Net loans and leases to deposits | 74.2346% | 3,246 |
| Net loans and leases to core deposits | 75.6911% | 3,516 |
| Total domestic deposits to total assets | 81.3709% | 3,578 |
| Equity capital to assets | 11.2553% | 2,633 |
| Core capital (leverage) ratio | 10.3335% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1680% | 1,856 |
| Memoranda: | ||
| Average total assets | $361,071,500 | 1,918 |
| Average earning assets | $326,730,500 | 1,949 |
| Average equity | $39,983,000 | 1,984 |
| Average total loans | $218,490,000 | 2,057 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,463 |
| Cost of funding earning assets | 0.6940% | 3,187 |
| Net interest margin | 3.1912% | 4,202 |
| Noninterest income to average assets | 0.7501% | 1,629 |
| Noninterest expense to average assets | 2.5118% | 3,415 |
| Loan and lease loss provision to assets | 0.1005% | 2,048 |
| Net operating income to assets | 1.0237% | 2,754 |
| Return on assets (ROA) | 1.2348% | 2,016 |
| Pretax return on assets | 1.2508% | 2,666 |
| Return on Equity (ROE) | 11.0265% | 1,876 |
| Retained earnings to average equity (ytd only) | 4.6276% | 2,627 |
| Net charge-offs to loans | 0.0120% | 3,255 |
| Credit loss provision to net charge-offs | 1,437.5000% | 245 |
| Earnings coverage of net charge-offs (x) | 162.7917% | 462 |
| Efficiency ratio | 68.8188% | 2,342 |
| Assets per employee ($millions) | 5.6124% | 1,961 |
| Cash dividends to net income (ytd only)* | 58.0326% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,705 |
| Loan loss allowance to noncurrent loans | 75.9601% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 1,401 |
| Noncurrent loans to loans | 1.5131% | 949 |
| Net loans and leases to total assets | 59.2233% | 3,652 |
| Net loans and leases to deposits | 71.2298% | 3,571 |
| Net loans and leases to core deposits | 72.2592% | 3,843 |
| Total domestic deposits to total assets | 83.1441% | 3,155 |
| Equity capital to assets | 10.8953% | 3,099 |
| Core capital (leverage) ratio | 10.5196% | 2,934 |
| Tier 1 risk-based capital ratio | 14.3282% | 3,103 |
| Total risk-based capital ratio | 15.3076% | 3,147 |
| Memoranda: | ||
| Average total assets | $343,302,600 | 1,936 |
| Average earning assets | $311,951,600 | 1,957 |
| Average equity | $38,443,600 | 1,994 |
| Average total loans | $199,189,800 | 2,171 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 4,537 |
| Cost of funding earning assets | 0.7059% | 3,189 |
| Net interest margin | 3.1967% | 4,310 |
| Noninterest income to average assets | 0.7051% | 1,762 |
| Noninterest expense to average assets | 2.5445% | 3,315 |
| Loan and lease loss provision to assets | 0.0355% | 3,178 |
| Net operating income to assets | 1.0252% | 2,887 |
| Return on assets (ROA) | 1.0373% | 2,915 |
| Pretax return on assets | 1.0464% | 3,458 |
| Return on Equity (ROE) | 9.1958% | 2,805 |
| Retained earnings to average equity (ytd only) | 3.3404% | 3,733 |
| Net charge-offs to loans | 0.0165% | 2,818 |
| Credit loss provision to net charge-offs | 375.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 112.9556% | 683 |
| Efficiency ratio | 70.4039% | 2,061 |
| Assets per employee ($millions) | 5.5797% | 1,953 |
| Cash dividends to net income (ytd only)* | 63.6742% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 2,902 |
| Loan loss allowance to noncurrent loans | 57.2552% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 1,142 |
| Noncurrent loans to loans | 1.9648% | 689 |
| Net loans and leases to total assets | 57.3425% | 3,939 |
| Net loans and leases to deposits | 69.4311% | 3,807 |
| Net loans and leases to core deposits | 70.1805% | 4,049 |
| Total domestic deposits to total assets | 82.5891% | 3,284 |
| Equity capital to assets | 11.2856% | 2,844 |
| Core capital (leverage) ratio | 10.3067% | 3,307 |
| Tier 1 risk-based capital ratio | 14.5845% | 3,031 |
| Total risk-based capital ratio | 15.5011% | 3,101 |
| Memoranda: | ||
| Average total assets | $337,926,000 | 1,964 |
| Average earning assets | $307,513,250 | 1,990 |
| Average equity | $38,117,750 | 2,021 |
| Average total loans | $194,346,250 | 2,224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,582 |
| Cost of funding earning assets | 0.6781% | 3,284 |
| Net interest margin | 3.2057% | 4,362 |
| Noninterest income to average assets | 0.6855% | 1,778 |
| Noninterest expense to average assets | 2.5873% | 3,219 |
| Loan and lease loss provision to assets | 0.0298% | 3,222 |
| Net operating income to assets | 0.9802% | 2,991 |
| Return on assets (ROA) | 0.9831% | 3,050 |
| Pretax return on assets | 0.9903% | 3,581 |
| Return on Equity (ROE) | 8.7173% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.8033% | 3,347 |
| Net charge-offs to loans | -0.0218% | 4,566 |
| Credit loss provision to net charge-offs | -238.0952% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7809% | 1,950 |
| Assets per employee ($millions) | 5.4289% | 2,020 |
| Cash dividends to net income (ytd only)* | 56.3714% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,715 |
| Loan loss allowance to noncurrent loans | 57.5280% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1703% | 1,151 |
| Noncurrent loans to loans | 2.0212% | 701 |
| Net loans and leases to total assets | 57.1235% | 3,997 |
| Net loans and leases to deposits | 67.2975% | 4,009 |
| Net loans and leases to core deposits | 67.6011% | 4,230 |
| Total domestic deposits to total assets | 84.8820% | 2,531 |
| Equity capital to assets | 11.5223% | 2,590 |
| Core capital (leverage) ratio | 10.4131% | 3,180 |
| Tier 1 risk-based capital ratio | 14.9923% | 2,848 |
| Total risk-based capital ratio | 15.9435% | 2,896 |
| Memoranda: | ||
| Average total assets | $335,253,330 | 1,983 |
| Average earning assets | $305,266,330 | 2,006 |
| Average equity | $37,809,670 | 2,031 |
| Average total loans | $192,251,670 | 2,247 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8325% | 4,657 |
| Cost of funding earning assets | 0.5921% | 3,616 |
| Net interest margin | 3.2405% | 4,303 |
| Noninterest income to average assets | 0.5942% | 2,075 |
| Noninterest expense to average assets | 2.6313% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9002% | 3,232 |
| Return on assets (ROA) | 0.9002% | 3,285 |
| Pretax return on assets | 0.9074% | 3,744 |
| Return on Equity (ROE) | 8.0701% | 3,234 |
| Retained earnings to average equity (ytd only) | 5.2622% | 2,795 |
| Net charge-offs to loans | -0.0440% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3581% | 1,703 |
| Assets per employee ($millions) | 5.2983% | 2,176 |
| Cash dividends to net income (ytd only)* | 34.7942% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,742 |
| Loan loss allowance to noncurrent loans | 97.0175% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 1,987 |
| Noncurrent loans to loans | 1.2062% | 1,367 |
| Net loans and leases to total assets | 57.8036% | 3,908 |
| Net loans and leases to deposits | 68.6552% | 3,870 |
| Net loans and leases to core deposits | 68.9158% | 4,133 |
| Total domestic deposits to total assets | 84.1941% | 2,981 |
| Equity capital to assets | 11.7139% | 2,221 |
| Core capital (leverage) ratio | 10.8756% | 2,682 |
| Tier 1 risk-based capital ratio | 15.2902% | 2,755 |
| Total risk-based capital ratio | 16.2450% | 2,814 |
| Memoranda: | ||
| Average total assets | $334,584,000 | 1,999 |
| Average earning assets | $304,027,500 | 2,029 |
| Average equity | $37,323,000 | 2,041 |
| Average total loans | $191,110,000 | 2,275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,849 |
| Cost of funding earning assets | 0.4401% | 3,741 |
| Net interest margin | 3.1188% | 4,621 |
| Noninterest income to average assets | 0.8196% | 1,398 |
| Noninterest expense to average assets | 2.5880% | 3,369 |
| Loan and lease loss provision to assets | 0.0403% | 3,384 |
| Net operating income to assets | 0.9887% | 3,061 |
| Return on assets (ROA) | 0.9890% | 3,060 |
| Pretax return on assets | 0.9962% | 3,616 |
| Return on Equity (ROE) | 9.2227% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.7604% | 3,500 |
| Net charge-offs to loans | 0.0051% | 3,533 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 385.4444% | 263 |
| Efficiency ratio | 71.4086% | 1,980 |
| Assets per employee ($millions) | 5.6717% | 1,797 |
| Cash dividends to net income (ytd only)* | 59.2268% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 2,908 |
| Loan loss allowance to noncurrent loans | 100.1829% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 2,048 |
| Noncurrent loans to loans | 1.1321% | 1,416 |
| Net loans and leases to total assets | 55.2062% | 4,191 |
| Net loans and leases to deposits | 67.0157% | 4,049 |
| Net loans and leases to core deposits | 67.1868% | 4,287 |
| Total domestic deposits to total assets | 82.3781% | 3,526 |
| Equity capital to assets | 10.6329% | 3,045 |
| Core capital (leverage) ratio | 11.1058% | 2,432 |
| Tier 1 risk-based capital ratio | 14.6323% | 3,001 |
| Total risk-based capital ratio | 15.5500% | 3,082 |
| Memoranda: | ||
| Average total assets | $334,781,800 | 1,965 |
| Average earning assets | $301,047,800 | 2,018 |
| Average equity | $35,900,400 | 2,038 |
| Average total loans | $176,670,800 | 2,358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 4,861 |
| Cost of funding earning assets | 0.4229% | 3,707 |
| Net interest margin | 3.1334% | 4,646 |
| Noninterest income to average assets | 0.8587% | 1,309 |
| Noninterest expense to average assets | 2.6213% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0450% | 2,893 |
| Return on assets (ROA) | 1.0454% | 2,901 |
| Pretax return on assets | 1.0526% | 3,569 |
| Return on Equity (ROE) | 9.7273% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.1869% | 3,121 |
| Net charge-offs to loans | -0.0085% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3567% | 1,986 |
| Assets per employee ($millions) | 5.2480% | 2,172 |
| Cash dividends to net income (ytd only)* | 46.6769% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 2,764 |
| Loan loss allowance to noncurrent loans | 101.9646% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 2,158 |
| Noncurrent loans to loans | 1.1529% | 1,466 |
| Net loans and leases to total assets | 53.6347% | 4,384 |
| Net loans and leases to deposits | 64.9676% | 4,276 |
| Net loans and leases to core deposits | 76.4831% | 3,771 |
| Total domestic deposits to total assets | 82.5560% | 3,449 |
| Equity capital to assets | 11.0330% | 2,631 |
| Core capital (leverage) ratio | 10.5651% | 3,007 |
| Tier 1 risk-based capital ratio | 14.5593% | 3,091 |
| Total risk-based capital ratio | 15.4233% | 3,197 |
| Memoranda: | ||
| Average total assets | $331,984,250 | 1,990 |
| Average earning assets | $298,240,500 | 2,039 |
| Average equity | $35,678,750 | 2,056 |
| Average total loans | $172,541,250 | 2,425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 4,914 |
| Cost of funding earning assets | 0.3806% | 3,868 |
| Net interest margin | 3.1239% | 4,678 |
| Noninterest income to average assets | 0.9552% | 1,039 |
| Noninterest expense to average assets | 2.6141% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1586% | 2,355 |
| Return on assets (ROA) | 1.1592% | 2,355 |
| Pretax return on assets | 1.1664% | 3,068 |
| Return on Equity (ROE) | 10.8804% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.4769% | 3,360 |
| Net charge-offs to loans | -0.0023% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1577% | 2,455 |
| Assets per employee ($millions) | 5.2483% | 2,152 |
| Cash dividends to net income (ytd only)* | 58.8539% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,809 |
| Loan loss allowance to noncurrent loans | 100.3398% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,210 |
| Noncurrent loans to loans | 1.1811% | 1,468 |
| Net loans and leases to total assets | 52.1260% | 4,469 |
| Net loans and leases to deposits | 64.5568% | 4,245 |
| Net loans and leases to core deposits | 74.4242% | 3,852 |
| Total domestic deposits to total assets | 80.7444% | 4,066 |
| Equity capital to assets | 10.7721% | 2,865 |
| Core capital (leverage) ratio | 10.6399% | 2,879 |
| Tier 1 risk-based capital ratio | 14.7391% | 2,999 |
| Total risk-based capital ratio | 15.6257% | 3,090 |
| Memoranda: | ||
| Average total assets | $334,186,000 | 1,991 |
| Average earning assets | $302,184,330 | 2,035 |
| Average equity | $35,605,330 | 2,061 |
| Average total loans | $171,191,000 | 2,447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2520% | 5,194 |
| Cost of funding earning assets | 0.3322% | 4,122 |
| Net interest margin | 2.9198% | 4,996 |
| Noninterest income to average assets | 1.0692% | 807 |
| Noninterest expense to average assets | 2.7372% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0037% | 2,844 |
| Return on assets (ROA) | 1.0037% | 2,860 |
| Pretax return on assets | 1.0108% | 3,496 |
| Return on Equity (ROE) | 9.4720% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,036 |
| Net charge-offs to loans | -0.0024% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0305% | 2,038 |
| Assets per employee ($millions) | 5.0184% | 2,471 |
| Cash dividends to net income (ytd only)* | 69.3950% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,767 |
| Loan loss allowance to noncurrent loans | 62.8919% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0950% | 1,418 |
| Noncurrent loans to loans | 1.9193% | 848 |
| Net loans and leases to total assets | 53.4826% | 4,330 |
| Net loans and leases to deposits | 62.5108% | 4,300 |
| Net loans and leases to core deposits | 73.2732% | 3,867 |
| Total domestic deposits to total assets | 85.5574% | 2,725 |
| Equity capital to assets | 11.1589% | 2,420 |
| Core capital (leverage) ratio | 10.1822% | 3,324 |
| Tier 1 risk-based capital ratio | 15.6896% | 2,596 |
| Total risk-based capital ratio | 16.6486% | 2,637 |
| Memoranda: | ||
| Average total assets | $335,958,500 | 1,995 |
| Average earning assets | $308,242,000 | 2,008 |
| Average equity | $35,599,500 | 2,067 |
| Average total loans | $169,578,000 | 2,477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 5,235 |
| Cost of funding earning assets | 0.2704% | 4,390 |
| Net interest margin | 2.8911% | 5,054 |
| Noninterest income to average assets | 0.6778% | 2,058 |
| Noninterest expense to average assets | 2.6004% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7128% | 3,544 |
| Return on assets (ROA) | 0.7128% | 3,597 |
| Pretax return on assets | 0.7191% | 4,465 |
| Return on Equity (ROE) | 6.5323% | 3,513 |
| Retained earnings to average equity (ytd only) | 1.6725% | 4,299 |
| Net charge-offs to loans | 0.2619% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.6493% | 3,293 |
| Efficiency ratio | 78.3371% | 1,306 |
| Assets per employee ($millions) | 5.6469% | 1,793 |
| Cash dividends to net income (ytd only)* | 74.3970% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,606 |
| Loan loss allowance to noncurrent loans | 72.7882% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 1,839 |
| Noncurrent loans to loans | 1.6887% | 971 |
| Net loans and leases to total assets | 46.6426% | 4,851 |
| Net loans and leases to deposits | 55.7900% | 4,815 |
| Net loans and leases to core deposits | 65.6857% | 4,429 |
| Total domestic deposits to total assets | 83.6039% | 3,354 |
| Equity capital to assets | 10.0965% | 3,599 |
| Core capital (leverage) ratio | 10.2309% | 3,151 |
| Tier 1 risk-based capital ratio | 15.7025% | 2,549 |
| Total risk-based capital ratio | 16.6690% | 2,590 |
| Memoranda: | ||
| Average total assets | $331,528,600 | 2,002 |
| Average earning assets | $302,929,200 | 2,029 |
| Average equity | $36,174,000 | 2,011 |
| Average total loans | $161,154,000 | 2,536 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 5,233 |
| Cost of funding earning assets | 0.2482% | 4,583 |
| Net interest margin | 2.9501% | 5,017 |
| Noninterest income to average assets | 0.6632% | 2,149 |
| Noninterest expense to average assets | 2.6484% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7005% | 3,978 |
| Return on assets (ROA) | 0.7005% | 4,040 |
| Pretax return on assets | 0.7079% | 4,589 |
| Return on Equity (ROE) | 6.2916% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.2591% | 4,511 |
| Net charge-offs to loans | 0.3219% | 653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.4883% | 3,215 |
| Efficiency ratio | 78.9088% | 1,223 |
| Assets per employee ($millions) | 5.2117% | 2,218 |
| Cash dividends to net income (ytd only)* | 64.0938% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,159 |
| Loan loss allowance to noncurrent loans | 97.3148% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 2,363 |
| Noncurrent loans to loans | 1.3782% | 1,367 |
| Net loans and leases to total assets | 47.8525% | 4,837 |
| Net loans and leases to deposits | 55.6482% | 4,885 |
| Net loans and leases to core deposits | 64.1620% | 4,599 |
| Total domestic deposits to total assets | 85.9912% | 2,320 |
| Equity capital to assets | 11.3813% | 2,482 |
| Core capital (leverage) ratio | 10.3065% | 3,191 |
| Tier 1 risk-based capital ratio | 16.5232% | 2,317 |
| Total risk-based capital ratio | 17.5587% | 2,329 |
| Memoranda: | ||
| Average total assets | $325,471,750 | 2,049 |
| Average earning assets | $297,107,500 | 2,068 |
| Average equity | $36,237,750 | 2,022 |
| Average total loans | $159,442,750 | 2,574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 5,266 |
| Cost of funding earning assets | 0.2372% | 4,663 |
| Net interest margin | 2.9420% | 5,016 |
| Noninterest income to average assets | 0.6480% | 2,216 |
| Noninterest expense to average assets | 2.6617% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6627% | 4,012 |
| Return on assets (ROA) | 0.6627% | 4,070 |
| Pretax return on assets | 0.6700% | 4,628 |
| Return on Equity (ROE) | 5.9958% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.2092% | 4,761 |
| Net charge-offs to loans | 0.4777% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.8538% | 3,113 |
| Efficiency ratio | 79.8896% | 1,220 |
| Assets per employee ($millions) | 4.9150% | 2,490 |
| Cash dividends to net income (ytd only)* | 79.8335% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,192 |
| Loan loss allowance to noncurrent loans | 97.3173% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 2,361 |
| Noncurrent loans to loans | 1.3829% | 1,399 |
| Net loans and leases to total assets | 49.0298% | 4,763 |
| Net loans and leases to deposits | 56.7279% | 4,822 |
| Net loans and leases to core deposits | 65.9129% | 4,471 |
| Total domestic deposits to total assets | 86.4297% | 2,185 |
| Equity capital to assets | 11.6114% | 2,224 |
| Core capital (leverage) ratio | 10.3670% | 3,053 |
| Tier 1 risk-based capital ratio | 16.6468% | 2,260 |
| Total risk-based capital ratio | 17.7039% | 2,288 |
| Memoranda: | ||
| Average total assets | $326,253,670 | 2,044 |
| Average earning assets | $297,616,670 | 2,074 |
| Average equity | $36,058,330 | 2,025 |
| Average total loans | $160,348,330 | 2,560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 5,358 |
| Cost of funding earning assets | 0.2280% | 4,732 |
| Net interest margin | 2.8792% | 5,120 |
| Noninterest income to average assets | 0.5878% | 2,472 |
| Noninterest expense to average assets | 2.6691% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5432% | 4,411 |
| Return on assets (ROA) | 0.5432% | 4,452 |
| Pretax return on assets | 0.5504% | 4,842 |
| Return on Equity (ROE) | 5.0356% | 4,378 |
| Retained earnings to average equity (ytd only) | 2.4341% | 4,173 |
| Net charge-offs to loans | 0.0197% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.1250% | 833 |
| Efficiency ratio | 82.9031% | 1,075 |
| Assets per employee ($millions) | 5.0581% | 2,362 |
| Cash dividends to net income (ytd only)* | 51.6630% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,605 |
| Loan loss allowance to noncurrent loans | 84.3197% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 1,927 |
| Noncurrent loans to loans | 1.8087% | 1,038 |
| Net loans and leases to total assets | 49.4484% | 4,719 |
| Net loans and leases to deposits | 58.7596% | 4,647 |
| Net loans and leases to core deposits | 66.4101% | 4,402 |
| Total domestic deposits to total assets | 84.1538% | 3,421 |
| Equity capital to assets | 11.1656% | 2,462 |
| Core capital (leverage) ratio | 10.2786% | 3,143 |
| Tier 1 risk-based capital ratio | 16.2176% | 2,469 |
| Total risk-based capital ratio | 17.4316% | 2,426 |
| Memoranda: | ||
| Average total assets | $332,099,500 | 2,033 |
| Average earning assets | $303,552,500 | 2,052 |
| Average equity | $35,825,000 | 2,045 |
| Average total loans | $162,356,000 | 2,546 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0254% | 5,480 |
| Cost of funding earning assets | 0.2329% | 4,716 |
| Net interest margin | 2.7925% | 5,303 |
| Noninterest income to average assets | 0.6437% | 2,448 |
| Noninterest expense to average assets | 2.6452% | 3,541 |
| Loan and lease loss provision to assets | -0.0899% | 5,674 |
| Net operating income to assets | 0.6525% | 3,987 |
| Return on assets (ROA) | 0.6895% | 3,940 |
| Pretax return on assets | 0.6976% | 4,494 |
| Return on Equity (ROE) | 6.2377% | 3,874 |
| Retained earnings to average equity (ytd only) | 0.9159% | 4,956 |
| Net charge-offs to loans | 0.2280% | 1,221 |
| Credit loss provision to net charge-offs | -84.0336% | 4,871 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 3,357 |
| Efficiency ratio | 82.2636% | 1,176 |
| Assets per employee ($millions) | 5.4045% | 1,951 |
| Cash dividends to net income (ytd only)* | 85.3171% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,555 |
| Loan loss allowance to noncurrent loans | 80.4074% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 1,990 |
| Noncurrent loans to loans | 1.9074% | 967 |
| Net loans and leases to total assets | 46.8962% | 4,963 |
| Net loans and leases to deposits | 58.2910% | 4,769 |
| Net loans and leases to core deposits | 63.4653% | 4,666 |
| Total domestic deposits to total assets | 80.4518% | 4,462 |
| Equity capital to assets | 10.4279% | 3,236 |
| Core capital (leverage) ratio | 10.2067% | 3,216 |
| Tier 1 risk-based capital ratio | 16.2225% | 2,467 |
| Total risk-based capital ratio | 17.4466% | 2,409 |
| Memoranda: | ||
| Average total assets | $333,852,200 | 1,982 |
| Average earning assets | $307,461,600 | 1,995 |
| Average equity | $36,904,400 | 1,980 |
| Average total loans | $156,559,600 | 2,562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0521% | 5,526 |
| Cost of funding earning assets | 0.2359% | 4,742 |
| Net interest margin | 2.8163% | 5,330 |
| Noninterest income to average assets | 0.6510% | 2,416 |
| Noninterest expense to average assets | 2.7216% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5203% | 4,618 |
| Return on assets (ROA) | 0.5687% | 4,525 |
| Pretax return on assets | 0.5760% | 4,941 |
| Return on Equity (ROE) | 5.0713% | 4,486 |
| Retained earnings to average equity (ytd only) | -0.1432% | 5,379 |
| Net charge-offs to loans | 0.3059% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.6882% | 3,374 |
| Efficiency ratio | 83.7781% | 1,010 |
| Assets per employee ($millions) | 4.6698% | 2,799 |
| Cash dividends to net income (ytd only)* | 102.8228% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 895 |
| Loan loss allowance to noncurrent loans | 270.1550% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,934 |
| Noncurrent loans to loans | 0.6929% | 2,949 |
| Net loans and leases to total assets | 46.0272% | 5,094 |
| Net loans and leases to deposits | 57.1606% | 4,923 |
| Net loans and leases to core deposits | 61.4067% | 4,863 |
| Total domestic deposits to total assets | 80.5227% | 4,383 |
| Equity capital to assets | 11.7229% | 2,322 |
| Core capital (leverage) ratio | 10.0690% | 3,475 |
| Tier 1 risk-based capital ratio | 16.8175% | 2,289 |
| Total risk-based capital ratio | 18.0700% | 2,240 |
| Memoranda: | ||
| Average total assets | $332,194,750 | 1,995 |
| Average earning assets | $306,401,500 | 2,006 |
| Average equity | $37,254,250 | 1,979 |
| Average total loans | $155,159,500 | 2,579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 5,635 |
| Cost of funding earning assets | 0.2373% | 4,784 |
| Net interest margin | 2.7745% | 5,468 |
| Noninterest income to average assets | 0.6319% | 2,457 |
| Noninterest expense to average assets | 2.6736% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5115% | 4,634 |
| Return on assets (ROA) | 0.5702% | 4,525 |
| Pretax return on assets | 0.5773% | 4,952 |
| Return on Equity (ROE) | 5.1578% | 4,440 |
| Retained earnings to average equity (ytd only) | -0.7729% | 5,407 |
| Net charge-offs to loans | 0.4541% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.4454% | 3,271 |
| Efficiency ratio | 83.7702% | 1,069 |
| Assets per employee ($millions) | 4.6022% | 2,865 |
| Cash dividends to net income (ytd only)* | 114.9844% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 1,022 |
| Loan loss allowance to noncurrent loans | 77.9362% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 1,562 |
| Noncurrent loans to loans | 2.3522% | 765 |
| Net loans and leases to total assets | 45.6734% | 5,149 |
| Net loans and leases to deposits | 57.2393% | 4,940 |
| Net loans and leases to core deposits | 61.5128% | 4,910 |
| Total domestic deposits to total assets | 79.7937% | 4,596 |
| Equity capital to assets | 11.4018% | 2,636 |
| Core capital (leverage) ratio | 9.8920% | 3,695 |
| Tier 1 risk-based capital ratio | 16.7018% | 2,349 |
| Total risk-based capital ratio | 17.9542% | 2,304 |
| Memoranda: | ||
| Average total assets | $337,076,670 | 1,978 |
| Average earning assets | $310,975,670 | 1,982 |
| Average equity | $37,263,670 | 1,981 |
| Average total loans | $157,230,330 | 2,559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 5,721 |
| Cost of funding earning assets | 0.2402% | 4,804 |
| Net interest margin | 2.7255% | 5,580 |
| Noninterest income to average assets | 0.5645% | 2,722 |
| Noninterest expense to average assets | 2.7010% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3767% | 5,065 |
| Return on assets (ROA) | 0.3950% | 5,085 |
| Pretax return on assets | 0.4021% | 5,307 |
| Return on Equity (ROE) | 3.6278% | 5,021 |
| Retained earnings to average equity (ytd only) | 2.1252% | 4,406 |
| Net charge-offs to loans | 0.8684% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 2,881 |
| Efficiency ratio | 87.5710% | 846 |
| Assets per employee ($millions) | 4.3638% | 3,301 |
| Cash dividends to net income (ytd only)* | 41.4201% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 1,244 |
| Loan loss allowance to noncurrent loans | 69.6291% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.3910% | 1,496 |
| Noncurrent loans to loans | 2.5162% | 740 |
| Net loans and leases to total assets | 46.6787% | 5,072 |
| Net loans and leases to deposits | 58.3239% | 4,833 |
| Net loans and leases to core deposits | 63.2994% | 4,733 |
| Total domestic deposits to total assets | 80.0336% | 4,737 |
| Equity capital to assets | 11.1879% | 2,736 |
| Core capital (leverage) ratio | 9.7865% | 3,797 |
| Tier 1 risk-based capital ratio | 16.4235% | 2,509 |
| Total risk-based capital ratio | 17.6751% | 2,460 |
| Memoranda: | ||
| Average total assets | $342,237,500 | 1,956 |
| Average earning assets | $316,422,500 | 1,963 |
| Average equity | $37,267,500 | 1,972 |
| Average total loans | $159,832,000 | 2,529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 5,525 |
| Cost of funding earning assets | 0.2379% | 4,917 |
| Net interest margin | 2.9536% | 5,237 |
| Noninterest income to average assets | 0.7551% | 1,956 |
| Noninterest expense to average assets | 2.7993% | 3,231 |
| Loan and lease loss provision to assets | -0.1634% | 5,938 |
| Net operating income to assets | 0.8230% | 3,231 |
| Return on assets (ROA) | 0.8431% | 3,210 |
| Pretax return on assets | 0.8533% | 4,009 |
| Return on Equity (ROE) | 7.6515% | 3,159 |
| Retained earnings to average equity (ytd only) | 0.0406% | 5,489 |
| Net charge-offs to loans | -0.5797% | 6,098 |
| Credit loss provision to net charge-offs | 56.2051% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6380% | 1,593 |
| Assets per employee ($millions) | 4.3558% | 3,297 |
| Cash dividends to net income (ytd only)* | 99.4694% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 850 |
| Loan loss allowance to noncurrent loans | 393.9850% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,927 |
| Noncurrent loans to loans | 0.4987% | 3,693 |
| Net loans and leases to total assets | 45.0197% | 5,226 |
| Net loans and leases to deposits | 57.2758% | 4,962 |
| Net loans and leases to core deposits | 62.1774% | 4,865 |
| Total domestic deposits to total assets | 78.6016% | 5,048 |
| Equity capital to assets | 10.6015% | 3,247 |
| Core capital (leverage) ratio | 10.1097% | 3,374 |
| Tier 1 risk-based capital ratio | 16.4410% | 2,516 |
| Total risk-based capital ratio | 17.6949% | 2,468 |
| Memoranda: | ||
| Average total assets | $335,300,400 | 1,959 |
| Average earning assets | $308,065,600 | 1,976 |
| Average equity | $36,947,200 | 1,931 |
| Average total loans | $168,189,200 | 2,373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1527% | 5,638 |
| Cost of funding earning assets | 0.2448% | 4,936 |
| Net interest margin | 2.9079% | 5,397 |
| Noninterest income to average assets | 0.7678% | 1,941 |
| Noninterest expense to average assets | 2.7962% | 3,201 |
| Loan and lease loss provision to assets | -0.0193% | 5,843 |
| Net operating income to assets | 0.6507% | 4,127 |
| Return on assets (ROA) | 0.6634% | 4,172 |
| Pretax return on assets | 0.6706% | 4,776 |
| Return on Equity (ROE) | 5.9613% | 4,174 |
| Retained earnings to average equity (ytd only) | -0.9491% | 5,755 |
| Net charge-offs to loans | -0.3571% | 6,113 |
| Credit loss provision to net charge-offs | 10.5263% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3282% | 1,486 |
| Assets per employee ($millions) | 4.0767% | 3,743 |
| Cash dividends to net income (ytd only)* | 115.9202% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 1,166 |
| Loan loss allowance to noncurrent loans | 42.7614% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 751 |
| Noncurrent loans to loans | 4.3358% | 266 |
| Net loans and leases to total assets | 49.4864% | 4,969 |
| Net loans and leases to deposits | 61.2229% | 4,773 |
| Net loans and leases to core deposits | 66.6454% | 4,647 |
| Total domestic deposits to total assets | 80.8299% | 4,516 |
| Equity capital to assets | 11.0749% | 2,934 |
| Core capital (leverage) ratio | 9.8275% | 3,866 |
| Tier 1 risk-based capital ratio | 15.9706% | 2,811 |
| Total risk-based capital ratio | 17.2241% | 2,753 |
| Memoranda: | ||
| Average total assets | $332,010,250 | 1,994 |
| Average earning assets | $304,492,250 | 2,010 |
| Average equity | $36,948,500 | 1,946 |
| Average total loans | $170,231,500 | 2,363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 5,610 |
| Cost of funding earning assets | 0.2485% | 4,958 |
| Net interest margin | 2.9585% | 5,319 |
| Noninterest income to average assets | 0.7004% | 2,214 |
| Noninterest expense to average assets | 2.8081% | 3,200 |
| Loan and lease loss provision to assets | -0.0290% | 5,992 |
| Net operating income to assets | 0.6238% | 4,244 |
| Return on assets (ROA) | 0.6340% | 4,312 |
| Pretax return on assets | 0.6412% | 4,856 |
| Return on Equity (ROE) | 5.6874% | 4,286 |
| Retained earnings to average equity (ytd only) | -3.3258% | 5,941 |
| Net charge-offs to loans | -0.4801% | 6,197 |
| Credit loss provision to net charge-offs | 11.7073% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2061% | 1,465 |
| Assets per employee ($millions) | 4.1101% | 3,660 |
| Cash dividends to net income (ytd only)* | 158.4762% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,314 |
| Loan loss allowance to noncurrent loans | 44.1560% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.3129% | 867 |
| Noncurrent loans to loans | 4.1430% | 355 |
| Net loans and leases to total assets | 49.6313% | 4,971 |
| Net loans and leases to deposits | 61.0741% | 4,768 |
| Net loans and leases to core deposits | 66.4754% | 4,611 |
| Total domestic deposits to total assets | 81.2640% | 4,527 |
| Equity capital to assets | 10.9103% | 2,981 |
| Core capital (leverage) ratio | 10.0780% | 3,495 |
| Tier 1 risk-based capital ratio | 16.1170% | 2,799 |
| Total risk-based capital ratio | 17.3708% | 2,750 |
| Memoranda: | ||
| Average total assets | $331,251,670 | 2,006 |
| Average earning assets | $303,397,670 | 2,027 |
| Average equity | $36,924,000 | 1,953 |
| Average total loans | $170,791,670 | 2,366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2422% | 5,571 |
| Cost of funding earning assets | 0.2592% | 4,920 |
| Net interest margin | 2.9830% | 5,263 |
| Noninterest income to average assets | 0.6864% | 2,222 |
| Noninterest expense to average assets | 2.8073% | 3,231 |
| Loan and lease loss provision to assets | -0.0581% | 6,173 |
| Net operating income to assets | 0.6610% | 4,007 |
| Return on assets (ROA) | 0.6622% | 4,118 |
| Pretax return on assets | 0.6695% | 4,695 |
| Return on Equity (ROE) | 5.8778% | 4,090 |
| Retained earnings to average equity (ytd only) | -5.0719% | 5,941 |
| Net charge-offs to loans | -1.0672% | 6,325 |
| Credit loss provision to net charge-offs | 10.4575% | 2,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8633% | 1,637 |
| Assets per employee ($millions) | 4.0719% | 3,821 |
| Cash dividends to net income (ytd only)* | 186.2888% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 1,475 |
| Loan loss allowance to noncurrent loans | 33.6525% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.0477% | 611 |
| Noncurrent loans to loans | 5.3850% | 223 |
| Net loans and leases to total assets | 51.3847% | 4,711 |
| Net loans and leases to deposits | 64.4955% | 4,318 |
| Net loans and leases to core deposits | 70.8025% | 4,080 |
| Total domestic deposits to total assets | 79.6717% | 5,131 |
| Equity capital to assets | 11.2978% | 2,649 |
| Core capital (leverage) ratio | 9.8042% | 3,884 |
| Tier 1 risk-based capital ratio | 16.1265% | 2,863 |
| Total risk-based capital ratio | 17.3803% | 2,796 |
| Memoranda: | ||
| Average total assets | $330,420,000 | 2,019 |
| Average earning assets | $302,510,000 | 2,038 |
| Average equity | $37,225,000 | 1,956 |
| Average total loans | $172,033,000 | 2,350 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 5,360 |
| Cost of funding earning assets | 0.3079% | 4,713 |
| Net interest margin | 3.1727% | 5,007 |
| Noninterest income to average assets | 0.9368% | 1,392 |
| Noninterest expense to average assets | 3.2411% | 2,096 |
| Loan and lease loss provision to assets | -0.3601% | 6,404 |
| Net operating income to assets | 0.9357% | 2,696 |
| Return on assets (ROA) | 0.9470% | 2,732 |
| Pretax return on assets | 0.9563% | 3,661 |
| Return on Equity (ROE) | 8.4689% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.5628% | 3,692 |
| Net charge-offs to loans | -0.1689% | 6,231 |
| Credit loss provision to net charge-offs | 380.7190% | 688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4644% | 1,347 |
| Assets per employee ($millions) | 4.0866% | 3,749 |
| Cash dividends to net income (ytd only)* | 57.9308% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,147 |
| Loan loss allowance to noncurrent loans | 29.6195% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 670 |
| Noncurrent loans to loans | 5.3500% | 254 |
| Net loans and leases to total assets | 50.9770% | 4,872 |
| Net loans and leases to deposits | 64.6319% | 4,461 |
| Net loans and leases to core deposits | 71.0961% | 4,210 |
| Total domestic deposits to total assets | 78.8728% | 5,271 |
| Equity capital to assets | 11.2343% | 2,661 |
| Core capital (leverage) ratio | 10.1586% | 3,359 |
| Tier 1 risk-based capital ratio | 16.8376% | 2,585 |
| Total risk-based capital ratio | 18.0894% | 2,529 |
| Memoranda: | ||
| Average total assets | $323,535,200 | 2,008 |
| Average earning assets | $294,603,600 | 2,038 |
| Average equity | $36,179,400 | 1,941 |
| Average total loans | $181,192,800 | 2,211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 5,103 |
| Cost of funding earning assets | 0.3165% | 4,711 |
| Net interest margin | 3.3001% | 4,604 |
| Noninterest income to average assets | 0.7842% | 1,947 |
| Noninterest expense to average assets | 2.8953% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8887% | 2,965 |
| Return on assets (ROA) | 0.8932% | 3,044 |
| Pretax return on assets | 0.8970% | 4,000 |
| Return on Equity (ROE) | 7.9974% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.7853% | 3,962 |
| Net charge-offs to loans | -0.2069% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1873% | 2,465 |
| Assets per employee ($millions) | 4.0948% | 3,681 |
| Cash dividends to net income (ytd only)* | 52.6684% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 941 |
| Loan loss allowance to noncurrent loans | 40.0062% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 3.1636% | 720 |
| Noncurrent loans to loans | 5.5095% | 285 |
| Net loans and leases to total assets | 51.6487% | 4,841 |
| Net loans and leases to deposits | 64.9274% | 4,438 |
| Net loans and leases to core deposits | 71.5819% | 4,194 |
| Total domestic deposits to total assets | 79.5484% | 5,209 |
| Equity capital to assets | 11.1046% | 2,857 |
| Core capital (leverage) ratio | 10.1231% | 3,503 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,771 |
| Total risk-based capital ratio | 17.8549% | 2,724 |
| Memoranda: | ||
| Average total assets | $321,665,500 | 2,033 |
| Average earning assets | $292,749,500 | 2,061 |
| Average equity | $35,927,500 | 1,962 |
| Average total loans | $183,626,500 | 2,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 5,079 |
| Cost of funding earning assets | 0.3306% | 4,639 |
| Net interest margin | 3.2961% | 4,608 |
| Noninterest income to average assets | 0.7351% | 2,111 |
| Noninterest expense to average assets | 2.8995% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8262% | 3,199 |
| Return on assets (ROA) | 0.8275% | 3,287 |
| Pretax return on assets | 0.8312% | 4,152 |
| Return on Equity (ROE) | 7.3935% | 3,420 |
| Retained earnings to average equity (ytd only) | 2.4252% | 4,668 |
| Net charge-offs to loans | -0.1577% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4933% | 2,375 |
| Assets per employee ($millions) | 3.9994% | 3,836 |
| Cash dividends to net income (ytd only)* | 67.1982% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 1,276 |
| Loan loss allowance to noncurrent loans | 31.9489% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 3.9100% | 562 |
| Noncurrent loans to loans | 6.4183% | 222 |
| Net loans and leases to total assets | 55.5829% | 4,338 |
| Net loans and leases to deposits | 70.0645% | 3,818 |
| Net loans and leases to core deposits | 77.4572% | 3,499 |
| Total domestic deposits to total assets | 79.3311% | 5,380 |
| Equity capital to assets | 11.3118% | 2,598 |
| Core capital (leverage) ratio | 10.2430% | 3,277 |
| Tier 1 risk-based capital ratio | 15.9640% | 3,111 |
| Total risk-based capital ratio | 17.2214% | 3,041 |
| Memoranda: | ||
| Average total assets | $318,327,000 | 2,052 |
| Average earning assets | $289,193,670 | 2,079 |
| Average equity | $35,626,000 | 1,962 |
| Average total loans | $186,445,330 | 2,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,730 |
| Cost of funding earning assets | 0.3425% | 4,619 |
| Net interest margin | 3.3916% | 4,156 |
| Noninterest income to average assets | 0.6866% | 2,242 |
| Noninterest expense to average assets | 2.9680% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7962% | 3,170 |
| Return on assets (ROA) | 0.7962% | 3,249 |
| Pretax return on assets | 0.8000% | 4,118 |
| Return on Equity (ROE) | 7.1528% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.3233% | 3,534 |
| Net charge-offs to loans | -0.0106% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5022% | 2,409 |
| Assets per employee ($millions) | 3.8663% | 4,194 |
| Cash dividends to net income (ytd only)* | 39.5570% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,693 |
| Loan loss allowance to noncurrent loans | 34.0367% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.6040% | 714 |
| Noncurrent loans to loans | 5.6436% | 349 |
| Net loans and leases to total assets | 57.6733% | 3,903 |
| Net loans and leases to deposits | 72.5125% | 3,268 |
| Net loans and leases to core deposits | 80.2085% | 2,946 |
| Total domestic deposits to total assets | 79.5356% | 5,589 |
| Equity capital to assets | 11.2660% | 2,464 |
| Core capital (leverage) ratio | 10.2402% | 3,233 |
| Tier 1 risk-based capital ratio | 15.6987% | 3,332 |
| Total risk-based capital ratio | 16.9552% | 3,289 |
| Memoranda: | ||
| Average total assets | $317,516,000 | 2,061 |
| Average earning assets | $288,476,500 | 2,089 |
| Average equity | $35,343,000 | 1,970 |
| Average total loans | $188,888,000 | 2,146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 5,080 |
| Cost of funding earning assets | 0.3741% | 4,900 |
| Net interest margin | 3.3427% | 4,510 |
| Noninterest income to average assets | 0.7119% | 2,472 |
| Noninterest expense to average assets | 2.9193% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8262% | 3,152 |
| Return on assets (ROA) | 0.8274% | 3,232 |
| Pretax return on assets | 0.8347% | 4,018 |
| Return on Equity (ROE) | 7.3800% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.8185% | 4,237 |
| Net charge-offs to loans | 0.1766% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0243% | 2,744 |
| Efficiency ratio | 77.5385% | 2,535 |
| Assets per employee ($millions) | 3.8780% | 4,105 |
| Cash dividends to net income (ytd only)* | 61.8085% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 1,856 |
| Loan loss allowance to noncurrent loans | 34.5274% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 3.5472% | 818 |
| Noncurrent loans to loans | 5.4126% | 429 |
| Net loans and leases to total assets | 59.0491% | 3,868 |
| Net loans and leases to deposits | 75.8240% | 2,985 |
| Net loans and leases to core deposits | 83.9957% | 2,675 |
| Total domestic deposits to total assets | 77.8766% | 5,846 |
| Equity capital to assets | 10.9966% | 2,616 |
| Core capital (leverage) ratio | 10.2168% | 3,271 |
| Tier 1 risk-based capital ratio | 15.1659% | 3,564 |
| Total risk-based capital ratio | 16.4217% | 3,508 |
| Memoranda: | ||
| Average total assets | $316,758,600 | 2,034 |
| Average earning assets | $288,152,600 | 2,058 |
| Average equity | $35,514,800 | 1,938 |
| Average total loans | $186,340,200 | 2,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 5,147 |
| Cost of funding earning assets | 0.3800% | 4,998 |
| Net interest margin | 3.3288% | 4,537 |
| Noninterest income to average assets | 0.7015% | 2,598 |
| Noninterest expense to average assets | 2.9320% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7925% | 3,388 |
| Return on assets (ROA) | 0.7925% | 3,519 |
| Pretax return on assets | 0.7963% | 4,307 |
| Return on Equity (ROE) | 7.0346% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.0180% | 4,514 |
| Net charge-offs to loans | 0.2550% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.3390% | 3,217 |
| Efficiency ratio | 78.3817% | 2,362 |
| Assets per employee ($millions) | 4.1047% | 3,628 |
| Cash dividends to net income (ytd only)* | 57.0971% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 1,961 |
| Loan loss allowance to noncurrent loans | 31.2891% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 3.8605% | 832 |
| Noncurrent loans to loans | 6.1177% | 407 |
| Net loans and leases to total assets | 56.8324% | 4,202 |
| Net loans and leases to deposits | 70.4836% | 3,716 |
| Net loans and leases to core deposits | 78.2354% | 3,326 |
| Total domestic deposits to total assets | 80.6320% | 5,324 |
| Equity capital to assets | 10.9577% | 2,799 |
| Core capital (leverage) ratio | 10.2050% | 3,394 |
| Tier 1 risk-based capital ratio | 15.1781% | 3,646 |
| Total risk-based capital ratio | 16.4338% | 3,598 |
| Memoranda: | ||
| Average total assets | $316,448,750 | 2,042 |
| Average earning assets | $287,742,000 | 2,071 |
| Average equity | $35,651,250 | 1,947 |
| Average total loans | $185,087,500 | 2,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7447% | 5,005 |
| Cost of funding earning assets | 0.3819% | 5,113 |
| Net interest margin | 3.3628% | 4,332 |
| Noninterest income to average assets | 0.7157% | 2,567 |
| Noninterest expense to average assets | 2.9707% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8084% | 3,244 |
| Return on assets (ROA) | 0.8084% | 3,398 |
| Pretax return on assets | 0.8122% | 4,265 |
| Return on Equity (ROE) | 7.1092% | 3,543 |
| Retained earnings to average equity (ytd only) | 1.8415% | 5,098 |
| Net charge-offs to loans | -0.0757% | 6,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2791% | 2,410 |
| Assets per employee ($millions) | 3.6273% | 4,556 |
| Cash dividends to net income (ytd only)* | 74.0973% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,461 |
| Loan loss allowance to noncurrent loans | 35.9371% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 4.0489% | 850 |
| Noncurrent loans to loans | 6.0699% | 456 |
| Net loans and leases to total assets | 59.2064% | 3,797 |
| Net loans and leases to deposits | 75.2064% | 2,989 |
| Net loans and leases to core deposits | 84.2222% | 2,524 |
| Total domestic deposits to total assets | 78.7251% | 5,844 |
| Equity capital to assets | 11.5392% | 2,259 |
| Core capital (leverage) ratio | 10.1874% | 3,251 |
| Tier 1 risk-based capital ratio | 15.3189% | 3,586 |
| Total risk-based capital ratio | 16.5779% | 3,532 |
| Memoranda: | ||
| Average total assets | $315,209,000 | 2,056 |
| Average earning assets | $287,500,670 | 2,079 |
| Average equity | $35,840,670 | 1,945 |
| Average total loans | $184,946,670 | 2,156 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 5,044 |
| Cost of funding earning assets | 0.3816% | 5,271 |
| Net interest margin | 3.3525% | 4,302 |
| Noninterest income to average assets | 0.6913% | 2,642 |
| Noninterest expense to average assets | 2.9118% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8291% | 3,007 |
| Return on assets (ROA) | 0.8291% | 3,153 |
| Pretax return on assets | 0.8328% | 4,031 |
| Return on Equity (ROE) | 7.3426% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.4954% | 4,148 |
| Net charge-offs to loans | -0.0408% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4942% | 2,693 |
| Assets per employee ($millions) | 3.8156% | 4,324 |
| Cash dividends to net income (ytd only)* | 52.3952% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 1,774 |
| Loan loss allowance to noncurrent loans | 36.1093% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 3.9138% | 1,040 |
| Noncurrent loans to loans | 5.8399% | 580 |
| Net loans and leases to total assets | 58.9383% | 3,619 |
| Net loans and leases to deposits | 73.6482% | 2,969 |
| Net loans and leases to core deposits | 81.9438% | 2,578 |
| Total domestic deposits to total assets | 80.0268% | 5,748 |
| Equity capital to assets | 11.8001% | 2,174 |
| Core capital (leverage) ratio | 9.8660% | 3,580 |
| Tier 1 risk-based capital ratio | 14.8360% | 3,947 |
| Total risk-based capital ratio | 16.0941% | 3,906 |
| Memoranda: | ||
| Average total assets | $322,279,000 | 2,036 |
| Average earning assets | $293,512,000 | 2,054 |
| Average equity | $36,390,500 | 1,941 |
| Average total loans | $186,306,500 | 2,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 5,133 |
| Cost of funding earning assets | 0.4490% | 5,585 |
| Net interest margin | 3.6047% | 4,062 |
| Noninterest income to average assets | 0.6632% | 2,918 |
| Noninterest expense to average assets | 3.1325% | 2,836 |
| Loan and lease loss provision to assets | -0.1560% | 6,951 |
| Net operating income to assets | 0.9592% | 2,503 |
| Return on assets (ROA) | 0.9592% | 2,751 |
| Pretax return on assets | 0.9627% | 3,691 |
| Return on Equity (ROE) | 8.4590% | 2,890 |
| Retained earnings to average equity (ytd only) | 1.5075% | 5,112 |
| Net charge-offs to loans | 0.1046% | 4,621 |
| Credit loss provision to net charge-offs | -257.7320% | 6,433 |
| Earnings coverage of net charge-offs (x) | 13.3299% | 1,837 |
| Efficiency ratio | 79.2762% | 2,248 |
| Assets per employee ($millions) | 4.0914% | 3,759 |
| Cash dividends to net income (ytd only)* | 82.1789% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 1,790 |
| Loan loss allowance to noncurrent loans | 36.4851% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 3.5890% | 1,251 |
| Noncurrent loans to loans | 5.7379% | 629 |
| Net loans and leases to total assets | 54.4353% | 4,561 |
| Net loans and leases to deposits | 71.3660% | 3,514 |
| Net loans and leases to core deposits | 79.2342% | 3,117 |
| Total domestic deposits to total assets | 76.2762% | 6,325 |
| Equity capital to assets | 10.8231% | 3,150 |
| Core capital (leverage) ratio | 9.7868% | 3,676 |
| Tier 1 risk-based capital ratio | 14.6499% | 3,932 |
| Total risk-based capital ratio | 15.9075% | 3,890 |
| Memoranda: | ||
| Average total assets | $320,570,800 | 2,005 |
| Average earning assets | $291,344,200 | 2,036 |
| Average equity | $36,351,800 | 1,905 |
| Average total loans | $185,439,800 | 2,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 5,196 |
| Cost of funding earning assets | 0.4676% | 5,660 |
| Net interest margin | 3.6301% | 4,100 |
| Noninterest income to average assets | 0.6565% | 2,958 |
| Noninterest expense to average assets | 2.9490% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0095% | 2,460 |
| Return on assets (ROA) | 1.0095% | 2,691 |
| Pretax return on assets | 1.0133% | 3,659 |
| Return on Equity (ROE) | 8.7965% | 2,901 |
| Retained earnings to average equity (ytd only) | 2.2624% | 5,208 |
| Net charge-offs to loans | 0.1116% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.5356% | 1,751 |
| Efficiency ratio | 74.1822% | 2,956 |
| Assets per employee ($millions) | 3.7467% | 4,433 |
| Cash dividends to net income (ytd only)* | 74.2809% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3676% | 1,410 |
| Loan loss allowance to noncurrent loans | 314.0636% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 4,239 |
| Noncurrent loans to loans | 0.7539% | 4,910 |
| Net loans and leases to total assets | 58.2274% | 4,097 |
| Net loans and leases to deposits | 74.0131% | 3,282 |
| Net loans and leases to core deposits | 83.6819% | 2,735 |
| Total domestic deposits to total assets | 78.6717% | 5,938 |
| Equity capital to assets | 11.6429% | 2,602 |
| Core capital (leverage) ratio | 9.9863% | 3,565 |
| Tier 1 risk-based capital ratio | 14.7257% | 4,028 |
| Total risk-based capital ratio | 15.9868% | 3,983 |
| Memoranda: | ||
| Average total assets | $316,840,000 | 2,052 |
| Average earning assets | $288,544,750 | 2,071 |
| Average equity | $36,362,000 | 1,928 |
| Average total loans | $185,166,750 | 2,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 5,188 |
| Cost of funding earning assets | 0.4877% | 5,699 |
| Net interest margin | 3.6441% | 4,062 |
| Noninterest income to average assets | 0.6582% | 2,906 |
| Noninterest expense to average assets | 2.9602% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0071% | 2,434 |
| Return on assets (ROA) | 1.0071% | 2,648 |
| Pretax return on assets | 1.0109% | 3,660 |
| Return on Equity (ROE) | 8.8176% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.1322% | 4,543 |
| Net charge-offs to loans | 0.1302% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,797 |
| Efficiency ratio | 74.3061% | 3,030 |
| Assets per employee ($millions) | 3.6242% | 4,699 |
| Cash dividends to net income (ytd only)* | 64.4778% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4327% | 1,369 |
| Loan loss allowance to noncurrent loans | 663.5556% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 4,853 |
| Noncurrent loans to loans | 0.3666% | 5,809 |
| Net loans and leases to total assets | 59.0065% | 3,992 |
| Net loans and leases to deposits | 73.9907% | 3,295 |
| Net loans and leases to core deposits | 83.8749% | 2,706 |
| Total domestic deposits to total assets | 79.7484% | 5,806 |
| Equity capital to assets | 12.0037% | 2,143 |
| Core capital (leverage) ratio | 9.9522% | 3,484 |
| Tier 1 risk-based capital ratio | 14.8977% | 3,831 |
| Total risk-based capital ratio | 16.1593% | 3,775 |
| Memoranda: | ||
| Average total assets | $317,545,670 | 2,043 |
| Average earning assets | $288,684,670 | 2,066 |
| Average equity | $36,268,330 | 1,919 |
| Average total loans | $184,322,670 | 2,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 5,381 |
| Cost of funding earning assets | 0.5117% | 5,738 |
| Net interest margin | 3.6088% | 4,225 |
| Noninterest income to average assets | 0.5949% | 3,265 |
| Noninterest expense to average assets | 2.8892% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9750% | 2,577 |
| Return on assets (ROA) | 0.9750% | 2,782 |
| Pretax return on assets | 0.9787% | 3,754 |
| Return on Equity (ROE) | 8.7460% | 2,935 |
| Retained earnings to average equity (ytd only) | 5.2033% | 3,436 |
| Net charge-offs to loans | 0.2776% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.1953% | 2,244 |
| Efficiency ratio | 74.4735% | 3,023 |
| Assets per employee ($millions) | 3.6738% | 4,716 |
| Cash dividends to net income (ytd only)* | 40.5063% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3782% | 1,545 |
| Loan loss allowance to noncurrent loans | 955.3419% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 5,144 |
| Noncurrent loans to loans | 0.2489% | 6,186 |
| Net loans and leases to total assets | 58.0885% | 4,018 |
| Net loans and leases to deposits | 73.6923% | 3,162 |
| Net loans and leases to core deposits | 83.8768% | 2,558 |
| Total domestic deposits to total assets | 78.8257% | 6,118 |
| Equity capital to assets | 11.4753% | 2,462 |
| Core capital (leverage) ratio | 9.5946% | 3,928 |
| Tier 1 risk-based capital ratio | 14.7502% | 3,924 |
| Total risk-based capital ratio | 16.0115% | 3,879 |
| Memoranda: | ||
| Average total assets | $324,103,000 | 2,004 |
| Average earning assets | $293,945,500 | 2,025 |
| Average equity | $36,131,000 | 1,922 |
| Average total loans | $184,427,500 | 2,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 5,380 |
| Cost of funding earning assets | 0.6668% | 5,730 |
| Net interest margin | 3.7439% | 4,107 |
| Noninterest income to average assets | 0.7788% | 2,174 |
| Noninterest expense to average assets | 3.0689% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0500% | 2,004 |
| Return on assets (ROA) | 1.0500% | 2,145 |
| Pretax return on assets | 1.0586% | 3,007 |
| Return on Equity (ROE) | 9.4812% | 2,254 |
| Retained earnings to average equity (ytd only) | 4.8167% | 2,777 |
| Net charge-offs to loans | 0.4491% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.0759% | 3,277 |
| Efficiency ratio | 74.1143% | 3,221 |
| Assets per employee ($millions) | 3.7756% | 4,380 |
| Cash dividends to net income (ytd only)* | 49.1977% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5429% | 1,255 |
| Loan loss allowance to noncurrent loans | 300.3919% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 4,972 |
| Noncurrent loans to loans | 0.8465% | 4,993 |
| Net loans and leases to total assets | 53.0478% | 5,167 |
| Net loans and leases to deposits | 67.6881% | 4,484 |
| Net loans and leases to core deposits | 77.2344% | 3,791 |
| Total domestic deposits to total assets | 78.3710% | 6,122 |
| Equity capital to assets | 10.8368% | 3,152 |
| Core capital (leverage) ratio | 9.5975% | 3,872 |
| Tier 1 risk-based capital ratio | 15.1328% | 3,556 |
| Total risk-based capital ratio | 16.3959% | 3,515 |
| Memoranda: | ||
| Average total assets | $314,572,400 | 2,044 |
| Average earning assets | $281,361,200 | 2,084 |
| Average equity | $34,837,400 | 1,930 |
| Average total loans | $181,914,600 | 2,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 5,192 |
| Cost of funding earning assets | 0.7046% | 5,735 |
| Net interest margin | 3.8178% | 3,780 |
| Noninterest income to average assets | 0.8026% | 2,045 |
| Noninterest expense to average assets | 3.0728% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1315% | 1,873 |
| Return on assets (ROA) | 1.1315% | 1,994 |
| Pretax return on assets | 1.1353% | 2,872 |
| Return on Equity (ROE) | 10.1584% | 2,144 |
| Retained earnings to average equity (ytd only) | 7.2637% | 1,828 |
| Net charge-offs to loans | 0.5408% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.5737% | 3,390 |
| Efficiency ratio | 72.7858% | 3,403 |
| Assets per employee ($millions) | 3.5416% | 4,896 |
| Cash dividends to net income (ytd only)* | 28.4955% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6557% | 1,191 |
| Loan loss allowance to noncurrent loans | 336.4748% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 5,093 |
| Noncurrent loans to loans | 0.7893% | 5,300 |
| Net loans and leases to total assets | 54.3899% | 5,114 |
| Net loans and leases to deposits | 67.9882% | 4,608 |
| Net loans and leases to core deposits | 78.2157% | 3,869 |
| Total domestic deposits to total assets | 79.9990% | 5,735 |
| Equity capital to assets | 11.4876% | 2,694 |
| Core capital (leverage) ratio | 9.7788% | 3,730 |
| Tier 1 risk-based capital ratio | 15.5455% | 3,363 |
| Total risk-based capital ratio | 16.8098% | 3,315 |
| Memoranda: | ||
| Average total assets | $310,151,250 | 2,073 |
| Average earning assets | $276,664,500 | 2,128 |
| Average equity | $34,545,250 | 1,948 |
| Average total loans | $182,179,750 | 2,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 4,885 |
| Cost of funding earning assets | 0.7233% | 5,816 |
| Net interest margin | 3.8969% | 3,322 |
| Noninterest income to average assets | 0.8779% | 1,723 |
| Noninterest expense to average assets | 3.1595% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1904% | 1,604 |
| Return on assets (ROA) | 1.1904% | 1,693 |
| Pretax return on assets | 1.1943% | 2,506 |
| Return on Equity (ROE) | 10.8030% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.8030% | 703 |
| Net charge-offs to loans | 0.8219% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.4333% | 3,601 |
| Efficiency ratio | 72.3455% | 3,665 |
| Assets per employee ($millions) | 3.5283% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6295% | 1,270 |
| Loan loss allowance to noncurrent loans | 382.8266% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 5,262 |
| Noncurrent loans to loans | 0.6869% | 5,534 |
| Net loans and leases to total assets | 56.8579% | 4,840 |
| Net loans and leases to deposits | 70.9101% | 4,306 |
| Net loans and leases to core deposits | 81.9320% | 3,506 |
| Total domestic deposits to total assets | 80.1830% | 5,775 |
| Equity capital to assets | 11.6669% | 2,353 |
| Core capital (leverage) ratio | 10.2539% | 2,972 |
| Tier 1 risk-based capital ratio | 15.7987% | 3,080 |
| Total risk-based capital ratio | 17.0633% | 3,055 |
| Memoranda: | ||
| Average total assets | $308,468,330 | 2,088 |
| Average earning assets | $275,140,670 | 2,143 |
| Average equity | $33,990,670 | 1,958 |
| Average total loans | $184,201,670 | 2,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 5,331 |
| Cost of funding earning assets | 0.7314% | 5,968 |
| Net interest margin | 3.7708% | 3,755 |
| Noninterest income to average assets | 1.0418% | 1,213 |
| Noninterest expense to average assets | 3.2014% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1988% | 1,528 |
| Return on assets (ROA) | 1.1988% | 1,573 |
| Pretax return on assets | 1.2026% | 2,356 |
| Return on Equity (ROE) | 11.2001% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.2001% | 865 |
| Net charge-offs to loans | 0.6968% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.8593% | 2,942 |
| Efficiency ratio | 72.4591% | 3,777 |
| Assets per employee ($millions) | 3.5019% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7749% | 1,136 |
| Loan loss allowance to noncurrent loans | 41.8366% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 4.5536% | 1,416 |
| Noncurrent loans to loans | 6.6328% | 878 |
| Net loans and leases to total assets | 58.5243% | 4,546 |
| Net loans and leases to deposits | 73.1028% | 3,904 |
| Net loans and leases to core deposits | 85.4035% | 2,977 |
| Total domestic deposits to total assets | 80.0576% | 5,931 |
| Equity capital to assets | 11.1110% | 2,574 |
| Core capital (leverage) ratio | 9.4485% | 3,888 |
| Tier 1 risk-based capital ratio | 14.8834% | 3,485 |
| Total risk-based capital ratio | 16.1499% | 3,444 |
| Memoranda: | ||
| Average total assets | $310,986,500 | 2,086 |
| Average earning assets | $277,287,000 | 2,133 |
| Average equity | $33,285,500 | 1,981 |
| Average total loans | $187,710,500 | 2,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 5,392 |
| Cost of funding earning assets | 0.8623% | 6,333 |
| Net interest margin | 3.9424% | 3,293 |
| Noninterest income to average assets | 0.7156% | 2,751 |
| Noninterest expense to average assets | 3.2661% | 2,848 |
| Loan and lease loss provision to assets | 0.0744% | 6,405 |
| Net operating income to assets | 0.9237% | 2,303 |
| Return on assets (ROA) | 0.9363% | 2,383 |
| Pretax return on assets | 0.9459% | 3,115 |
| Return on Equity (ROE) | 9.2058% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.2058% | 661 |
| Net charge-offs to loans | 1.3299% | 1,677 |
| Credit loss provision to net charge-offs | 8.7726% | 6,614 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 4,918 |
| Efficiency ratio | 76.1923% | 3,027 |
| Assets per employee ($millions) | 3.4869% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8204% | 1,027 |
| Loan loss allowance to noncurrent loans | 40.7801% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 4.3900% | 1,521 |
| Noncurrent loans to loans | 6.9161% | 821 |
| Net loans and leases to total assets | 58.8113% | 4,892 |
| Net loans and leases to deposits | 75.2968% | 3,958 |
| Net loans and leases to core deposits | 96.6221% | 1,929 |
| Total domestic deposits to total assets | 78.1060% | 6,292 |
| Equity capital to assets | 10.3117% | 3,378 |
| Core capital (leverage) ratio | 9.1978% | 4,170 |
| Tier 1 risk-based capital ratio | 14.2687% | 3,700 |
| Total risk-based capital ratio | 15.5377% | 3,638 |
| Memoranda: | ||
| Average total assets | $313,035,200 | 2,069 |
| Average earning assets | $282,515,000 | 2,090 |
| Average equity | $31,838,600 | 2,062 |
| Average total loans | $199,710,600 | 2,156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 5,300 |
| Cost of funding earning assets | 0.8866% | 6,450 |
| Net interest margin | 4.0065% | 3,076 |
| Noninterest income to average assets | 0.7458% | 2,540 |
| Noninterest expense to average assets | 3.2652% | 2,688 |
| Loan and lease loss provision to assets | 0.0996% | 6,026 |
| Net operating income to assets | 0.9928% | 2,260 |
| Return on assets (ROA) | 0.9924% | 2,375 |
| Pretax return on assets | 1.0018% | 3,178 |
| Return on Equity (ROE) | 9.7916% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.7916% | 846 |
| Net charge-offs to loans | 1.7623% | 1,104 |
| Credit loss provision to net charge-offs | 8.7430% | 6,342 |
| Earnings coverage of net charge-offs (x) | 0.9674% | 5,095 |
| Efficiency ratio | 74.5449% | 3,221 |
| Assets per employee ($millions) | 3.4274% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7828% | 1,015 |
| Loan loss allowance to noncurrent loans | 39.3838% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 4.9925% | 1,290 |
| Noncurrent loans to loans | 7.0657% | 789 |
| Net loans and leases to total assets | 60.5653% | 4,805 |
| Net loans and leases to deposits | 76.3368% | 4,121 |
| Net loans and leases to core deposits | 101.7117% | 1,684 |
| Total domestic deposits to total assets | 79.3395% | 5,919 |
| Equity capital to assets | 10.6114% | 3,398 |
| Core capital (leverage) ratio | 9.0748% | 4,562 |
| Tier 1 risk-based capital ratio | 13.4039% | 4,266 |
| Total risk-based capital ratio | 14.6708% | 4,216 |
| Memoranda: | ||
| Average total assets | $311,966,500 | 2,114 |
| Average earning assets | $281,968,000 | 2,132 |
| Average equity | $31,618,250 | 2,091 |
| Average total loans | $201,630,750 | 2,174 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,392 |
| Cost of funding earning assets | 0.8903% | 6,624 |
| Net interest margin | 4.0083% | 2,973 |
| Noninterest income to average assets | 0.7737% | 2,263 |
| Noninterest expense to average assets | 3.1661% | 3,028 |
| Loan and lease loss provision to assets | 0.1282% | 5,598 |
| Net operating income to assets | 1.1077% | 1,827 |
| Return on assets (ROA) | 1.1077% | 1,898 |
| Pretax return on assets | 1.1161% | 2,729 |
| Return on Equity (ROE) | 11.1034% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.1034% | 633 |
| Net charge-offs to loans | 2.7235% | 608 |
| Credit loss provision to net charge-offs | 7.1968% | 5,972 |
| Earnings coverage of net charge-offs (x) | 0.6985% | 5,047 |
| Efficiency ratio | 71.5698% | 3,883 |
| Assets per employee ($millions) | 3.2801% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 1,151 |
| Loan loss allowance to noncurrent loans | 34.0321% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 5.7034% | 1,060 |
| Noncurrent loans to loans | 7.7509% | 677 |
| Net loans and leases to total assets | 62.9684% | 4,473 |
| Net loans and leases to deposits | 76.8979% | 4,175 |
| Net loans and leases to core deposits | 107.4642% | 1,344 |
| Total domestic deposits to total assets | 81.8857% | 5,036 |
| Equity capital to assets | 10.3644% | 3,567 |
| Core capital (leverage) ratio | 8.8514% | 4,833 |
| Tier 1 risk-based capital ratio | 12.9078% | 4,521 |
| Total risk-based capital ratio | 14.1733% | 4,469 |
| Memoranda: | ||
| Average total assets | $311,992,000 | 2,138 |
| Average earning assets | $283,065,670 | 2,134 |
| Average equity | $31,125,670 | 2,115 |
| Average total loans | $204,073,000 | 2,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 5,318 |
| Cost of funding earning assets | 0.8774% | 6,851 |
| Net interest margin | 4.0496% | 2,650 |
| Noninterest income to average assets | 0.7329% | 2,392 |
| Noninterest expense to average assets | 2.9864% | 3,728 |
| Loan and lease loss provision to assets | 0.1275% | 5,303 |
| Net operating income to assets | 1.2848% | 1,329 |
| Return on assets (ROA) | 1.2848% | 1,401 |
| Pretax return on assets | 1.2899% | 2,075 |
| Return on Equity (ROE) | 13.1291% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.1291% | 607 |
| Net charge-offs to loans | 5.8138% | 188 |
| Credit loss provision to net charge-offs | 3.3333% | 5,101 |
| Earnings coverage of net charge-offs (x) | 0.3707% | 4,705 |
| Efficiency ratio | 67.6122% | 4,799 |
| Assets per employee ($millions) | 3.4371% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4138% | 1,406 |
| Loan loss allowance to noncurrent loans | 25.2363% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 6.4989% | 878 |
| Noncurrent loans to loans | 9.5648% | 458 |
| Net loans and leases to total assets | 63.8400% | 4,367 |
| Net loans and leases to deposits | 79.4265% | 3,758 |
| Net loans and leases to core deposits | 104.1460% | 1,727 |
| Total domestic deposits to total assets | 80.3762% | 5,661 |
| Equity capital to assets | 10.0283% | 3,830 |
| Core capital (leverage) ratio | 8.4238% | 5,515 |
| Tier 1 risk-based capital ratio | 12.2135% | 4,981 |
| Total risk-based capital ratio | 13.4763% | 4,942 |
| Memoranda: | ||
| Average total assets | $313,825,000 | 2,170 |
| Average earning assets | $284,473,000 | 2,179 |
| Average equity | $30,710,500 | 2,173 |
| Average total loans | $206,405,500 | 2,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 5,716 |
| Cost of funding earning assets | 1.0527% | 7,092 |
| Net interest margin | 4.1330% | 2,307 |
| Noninterest income to average assets | 0.6663% | 3,182 |
| Noninterest expense to average assets | 2.9577% | 4,313 |
| Loan and lease loss provision to assets | 2.0973% | 1,009 |
| Net operating income to assets | -0.6054% | 6,276 |
| Return on assets (ROA) | -0.6054% | 6,270 |
| Pretax return on assets | -0.6039% | 6,098 |
| Return on Equity (ROE) | -6.4511% | 6,342 |
| Retained earnings to average equity (ytd only) | -7.8872% | 6,337 |
| Net charge-offs to loans | 1.1380% | 2,150 |
| Credit loss provision to net charge-offs | 272.8526% | 1,263 |
| Earnings coverage of net charge-offs (x) | 1.9429% | 4,264 |
| Efficiency ratio | 66.2380% | 5,349 |
| Assets per employee ($millions) | 3.5379% | 4,928 |
| Cash dividends to net income (ytd only)* | -22.2611% | 7,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7652% | 421 |
| Loan loss allowance to noncurrent loans | 35.6545% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 7.2597% | 688 |
| Noncurrent loans to loans | 10.5602% | 370 |
| Net loans and leases to total assets | 63.6308% | 4,672 |
| Net loans and leases to deposits | 80.0929% | 3,969 |
| Net loans and leases to core deposits | 95.5077% | 4,515 |
| Total domestic deposits to total assets | 79.4462% | 5,864 |
| Equity capital to assets | 9.5450% | 4,359 |
| Core capital (leverage) ratio | 8.1478% | 5,912 |
| Tier 1 risk-based capital ratio | 11.2649% | 5,646 |
| Total risk-based capital ratio | 12.5427% | 5,575 |
| Memoranda: | ||
| Average total assets | $330,190,200 | 2,051 |
| Average earning assets | $302,374,200 | 2,055 |
| Average equity | $30,986,800 | 2,169 |
| Average total loans | $223,029,000 | 2,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 5,939 |
| Cost of funding earning assets | 1.0925% | 7,190 |
| Net interest margin | 4.0924% | 2,430 |
| Noninterest income to average assets | 0.6814% | 3,148 |
| Noninterest expense to average assets | 3.0006% | 4,041 |
| Loan and lease loss provision to assets | 1.5667% | 1,211 |
| Net operating income to assets | -0.1293% | 5,943 |
| Return on assets (ROA) | -0.1293% | 5,972 |
| Pretax return on assets | -0.1269% | 5,881 |
| Return on Equity (ROE) | -1.3837% | 5,999 |
| Retained earnings to average equity (ytd only) | -3.2842% | 5,988 |
| Net charge-offs to loans | 1.5489% | 1,322 |
| Credit loss provision to net charge-offs | 149.0129% | 3,235 |
| Earnings coverage of net charge-offs (x) | 1.3694% | 4,753 |
| Efficiency ratio | 67.3679% | 5,107 |
| Assets per employee ($millions) | 3.6602% | 4,514 |
| Cash dividends to net income (ytd only)* | -137.3458% | 8,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 1,444 |
| Loan loss allowance to noncurrent loans | 62.7630% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.5580% | 2,716 |
| Noncurrent loans to loans | 3.4842% | 2,145 |
| Net loans and leases to total assets | 63.6953% | 4,930 |
| Net loans and leases to deposits | 79.6107% | 4,455 |
| Net loans and leases to core deposits | 94.2211% | 4,994 |
| Total domestic deposits to total assets | 80.0084% | 5,431 |
| Equity capital to assets | 9.5993% | 4,621 |
| Core capital (leverage) ratio | 8.4006% | 5,660 |
| Tier 1 risk-based capital ratio | 11.3771% | 5,560 |
| Total risk-based capital ratio | 12.6364% | 5,491 |
| Memoranda: | ||
| Average total assets | $334,018,750 | 2,052 |
| Average earning assets | $306,801,500 | 2,051 |
| Average equity | $31,219,750 | 2,169 |
| Average total loans | $226,737,000 | 2,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 5,871 |
| Cost of funding earning assets | 1.1720% | 7,190 |
| Net interest margin | 4.0779% | 2,399 |
| Noninterest income to average assets | 0.6215% | 3,529 |
| Noninterest expense to average assets | 3.0167% | 4,019 |
| Loan and lease loss provision to assets | 1.9890% | 817 |
| Net operating income to assets | -0.6443% | 6,699 |
| Return on assets (ROA) | -0.6443% | 6,704 |
| Pretax return on assets | -0.6419% | 6,559 |
| Return on Equity (ROE) | -6.9554% | 6,792 |
| Retained earnings to average equity (ytd only) | -9.5710% | 6,827 |
| Net charge-offs to loans | 0.5165% | 2,775 |
| Credit loss provision to net charge-offs | 559.7643% | 830 |
| Earnings coverage of net charge-offs (x) | 3.7912% | 3,306 |
| Efficiency ratio | 68.9239% | 4,990 |
| Assets per employee ($millions) | 3.5421% | 4,704 |
| Cash dividends to net income (ytd only)* | -37.6045% | 7,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7558% | 708 |
| Loan loss allowance to noncurrent loans | 54.1466% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.6422% | 1,696 |
| Noncurrent loans to loans | 5.0896% | 1,193 |
| Net loans and leases to total assets | 66.9513% | 4,366 |
| Net loans and leases to deposits | 88.5689% | 3,077 |
| Net loans and leases to core deposits | 100.6937% | 4,441 |
| Total domestic deposits to total assets | 75.5924% | 6,637 |
| Equity capital to assets | 9.2339% | 4,958 |
| Core capital (leverage) ratio | 8.0243% | 6,281 |
| Tier 1 risk-based capital ratio | 10.6886% | 6,195 |
| Total risk-based capital ratio | 11.9542% | 6,123 |
| Memoranda: | ||
| Average total assets | $334,333,330 | 2,079 |
| Average earning assets | $306,827,330 | 2,075 |
| Average equity | $30,968,670 | 2,185 |
| Average total loans | $230,017,330 | 2,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 6,292 |
| Cost of funding earning assets | 1.2825% | 7,071 |
| Net interest margin | 3.9183% | 2,980 |
| Noninterest income to average assets | 0.6085% | 3,488 |
| Noninterest expense to average assets | 2.8816% | 4,223 |
| Loan and lease loss provision to assets | 0.8270% | 1,568 |
| Net operating income to assets | 0.4998% | 4,419 |
| Return on assets (ROA) | 0.4998% | 4,611 |
| Pretax return on assets | 0.5021% | 5,073 |
| Return on Equity (ROE) | 5.3872% | 4,291 |
| Retained earnings to average equity (ytd only) | 2.7127% | 4,379 |
| Net charge-offs to loans | 0.9826% | 1,369 |
| Credit loss provision to net charge-offs | 122.3776% | 3,228 |
| Earnings coverage of net charge-offs (x) | 1.9668% | 3,739 |
| Efficiency ratio | 68.2099% | 4,922 |
| Assets per employee ($millions) | 3.9153% | 3,837 |
| Cash dividends to net income (ytd only)* | 49.6454% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 2,724 |
| Loan loss allowance to noncurrent loans | 47.6952% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.2292% | 2,571 |
| Noncurrent loans to loans | 3.2503% | 1,982 |
| Net loans and leases to total assets | 67.5199% | 4,237 |
| Net loans and leases to deposits | 85.5903% | 3,706 |
| Net loans and leases to core deposits | 99.7906% | 4,557 |
| Total domestic deposits to total assets | 78.8873% | 5,770 |
| Equity capital to assets | 9.5015% | 4,661 |
| Core capital (leverage) ratio | 8.0649% | 6,361 |
| Tier 1 risk-based capital ratio | 11.0032% | 5,911 |
| Total risk-based capital ratio | 12.2552% | 5,800 |
| Memoranda: | ||
| Average total assets | $338,563,000 | 2,054 |
| Average earning assets | $311,256,500 | 2,055 |
| Average equity | $31,407,500 | 2,158 |
| Average total loans | $232,846,000 | 2,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1217% | 4,930 |
| Cost of funding earning assets | 2.0759% | 6,147 |
| Net interest margin | 4.0458% | 2,925 |
| Noninterest income to average assets | 0.5930% | 3,889 |
| Noninterest expense to average assets | 2.6260% | 5,549 |
| Loan and lease loss provision to assets | 0.6300% | 2,310 |
| Net operating income to assets | 1.0286% | 2,434 |
| Return on assets (ROA) | 1.0286% | 2,323 |
| Pretax return on assets | 1.0221% | 3,302 |
| Return on Equity (ROE) | 11.7394% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.6756% | 936 |
| Net charge-offs to loans | 0.8240% | 1,520 |
| Credit loss provision to net charge-offs | 110.4663% | 4,881 |
| Earnings coverage of net charge-offs (x) | 2.8969% | 4,634 |
| Efficiency ratio | 61.1687% | 6,130 |
| Assets per employee ($millions) | 3.8683% | 3,812 |
| Cash dividends to net income (ytd only)* | 34.6165% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 2,828 |
| Loan loss allowance to noncurrent loans | 66.2064% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 3,155 |
| Noncurrent loans to loans | 2.2210% | 2,481 |
| Net loans and leases to total assets | 67.9503% | 4,474 |
| Net loans and leases to deposits | 87.1220% | 3,921 |
| Net loans and leases to core deposits | 99.6489% | 4,857 |
| Total domestic deposits to total assets | 77.9944% | 5,714 |
| Equity capital to assets | 9.0544% | 5,300 |
| Core capital (leverage) ratio | 8.0801% | 6,356 |
| Tier 1 risk-based capital ratio | 10.6375% | 6,061 |
| Total risk-based capital ratio | 11.8885% | 5,960 |
| Memoranda: | ||
| Average total assets | $338,422,400 | 1,969 |
| Average earning assets | $308,247,200 | 1,977 |
| Average equity | $29,652,400 | 2,281 |
| Average total loans | $234,235,400 | 2,014 |