Home > Sterling State Bank > Performance and Condition Ratios
Sterling State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,293 |
| Cost of funding earning assets | 1.5786% | 1,747 |
| Net interest margin | 2.0964% | 4,374 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3704% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0384% | 4,404 |
| Return on assets (ROA) | 0.0784% | 4,298 |
| Pretax return on assets | 0.0784% | 4,294 |
| Return on Equity (ROE) | 2.5000% | 4,098 |
| Retained earnings to average equity (ytd only) | -1.0132% | 4,186 |
| Net charge-offs to loans | -0.0019% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 101.6477% | 168 |
| Assets per employee ($millions) | 9.4388% | 848 |
| Cash dividends to net income (ytd only)* | 140.5473% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 1,958 |
| Loan loss allowance to noncurrent loans | 1,165.4110% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 2,079 |
| Noncurrent loans to loans | 0.1082% | 2,994 |
| Net loans and leases to total assets | 48.6500% | 3,688 |
| Net loans and leases to deposits | 70.0167% | 2,890 |
| Net loans and leases to core deposits | 76.0037% | 2,978 |
| Total domestic deposits to total assets | 69.4900% | 4,307 |
| Equity capital to assets | 3.5072% | 4,525 |
| Core capital (leverage) ratio | 6.7049% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7045% | 1,979 |
| Memoranda: | ||
| Average total assets | $512,699,600 | 1,703 |
| Average earning assets | $484,731,200 | 1,677 |
| Average equity | $16,088,400 | 3,174 |
| Average total loans | $261,348,600 | 1,953 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 4,291 |
| Cost of funding earning assets | 1.4803% | 1,664 |
| Net interest margin | 2.1378% | 4,388 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2808% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0915% | 4,326 |
| Return on assets (ROA) | 0.1029% | 4,336 |
| Pretax return on assets | 0.1029% | 4,341 |
| Return on Equity (ROE) | 3.3900% | 4,061 |
| Retained earnings to average equity (ytd only) | -1.5327% | 4,292 |
| Net charge-offs to loans | -0.0021% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.1418% | 230 |
| Assets per employee ($millions) | 8.0596% | 1,317 |
| Cash dividends to net income (ytd only)* | 145.2442% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 1,978 |
| Loan loss allowance to noncurrent loans | 11,340.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,274 |
| Noncurrent loans to loans | 0.0113% | 3,715 |
| Net loans and leases to total assets | 52.6400% | 3,451 |
| Net loans and leases to deposits | 74.6279% | 2,517 |
| Net loans and leases to core deposits | 81.8577% | 2,479 |
| Total domestic deposits to total assets | 70.5400% | 4,309 |
| Equity capital to assets | 2.3698% | 4,526 |
| Core capital (leverage) ratio | 6.9173% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9771% | 1,905 |
| Memoranda: | ||
| Average total assets | $504,011,750 | 1,723 |
| Average earning assets | $476,303,750 | 1,694 |
| Average equity | $15,310,500 | 3,223 |
| Average total loans | $259,248,750 | 1,965 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,330 |
| Cost of funding earning assets | 1.2848% | 1,752 |
| Net interest margin | 2.2253% | 4,403 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.3203% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1353% | 4,339 |
| Return on assets (ROA) | 0.1523% | 4,360 |
| Pretax return on assets | 0.1523% | 4,362 |
| Return on Equity (ROE) | 4.6800% | 3,930 |
| Retained earnings to average equity (ytd only) | -1.3603% | 4,244 |
| Net charge-offs to loans | -0.0016% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.4892% | 254 |
| Assets per employee ($millions) | 7.9056% | 1,364 |
| Cash dividends to net income (ytd only)* | 129.0909% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,156.8027% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 1,939 |
| Noncurrent loans to loans | 0.1141% | 2,908 |
| Net loans and leases to total assets | 51.0400% | 3,487 |
| Net loans and leases to deposits | 74.5938% | 2,437 |
| Net loans and leases to core deposits | 78.4600% | 2,578 |
| Total domestic deposits to total assets | 68.4300% | 4,398 |
| Equity capital to assets | 3.2290% | 4,555 |
| Core capital (leverage) ratio | 7.0016% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6495% | 1,673 |
| Memoranda: | ||
| Average total assets | $505,450,000 | 1,713 |
| Average earning assets | $478,052,000 | 1,690 |
| Average equity | $16,466,667 | 3,147 |
| Average total loans | $256,845,000 | 1,972 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 4,310 |
| Cost of funding earning assets | 1.0325% | 1,941 |
| Net interest margin | 2.4265% | 4,367 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.4001% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2498% | 4,309 |
| Return on assets (ROA) | 0.2836% | 4,233 |
| Pretax return on assets | 0.2836% | 4,276 |
| Return on Equity (ROE) | 8.6700% | 3,140 |
| Retained earnings to average equity (ytd only) | -1.5127% | 4,175 |
| Net charge-offs to loans | -0.0016% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.5722% | 339 |
| Assets per employee ($millions) | 7.9228% | 1,386 |
| Cash dividends to net income (ytd only)* | 117.4515% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,148.6486% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 1,864 |
| Noncurrent loans to loans | 0.1181% | 2,928 |
| Net loans and leases to total assets | 49.5300% | 3,530 |
| Net loans and leases to deposits | 68.8085% | 2,712 |
| Net loans and leases to core deposits | 71.5371% | 2,850 |
| Total domestic deposits to total assets | 71.9900% | 4,358 |
| Equity capital to assets | 3.8023% | 4,554 |
| Core capital (leverage) ratio | 6.8894% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9944% | 1,631 |
| Memoranda: | ||
| Average total assets | $509,147,500 | 1,725 |
| Average earning assets | $482,341,000 | 1,698 |
| Average equity | $16,659,000 | 3,159 |
| Average total loans | $256,454,000 | 1,997 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 3,802 |
| Cost of funding earning assets | 0.4726% | 1,568 |
| Net interest margin | 2.7398% | 3,989 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6164% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4485% | 4,174 |
| Return on assets (ROA) | 0.4480% | 4,135 |
| Pretax return on assets | 0.5255% | 4,142 |
| Return on Equity (ROE) | 10.2100% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.3911% | 2,876 |
| Net charge-offs to loans | -0.0020% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.2589% | 524 |
| Assets per employee ($millions) | 8.3735% | 1,156 |
| Cash dividends to net income (ytd only)* | 47.1869% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 1,913 |
| Loan loss allowance to noncurrent loans | 1,079.0476% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 1,926 |
| Noncurrent loans to loans | 0.1201% | 2,921 |
| Net loans and leases to total assets | 49.8600% | 3,513 |
| Net loans and leases to deposits | 64.1314% | 3,032 |
| Net loans and leases to core deposits | 65.7814% | 3,144 |
| Total domestic deposits to total assets | 77.7500% | 4,115 |
| Equity capital to assets | 2.7620% | 4,619 |
| Core capital (leverage) ratio | 6.8680% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1681% | 1,915 |
| Memoranda: | ||
| Average total assets | $491,933,800 | 1,739 |
| Average earning assets | $472,662,200 | 1,693 |
| Average equity | $21,591,000 | 2,805 |
| Average total loans | $248,807,600 | 1,947 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 3,605 |
| Cost of funding earning assets | 0.3515% | 1,686 |
| Net interest margin | 2.7774% | 3,783 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.6645% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5001% | 4,071 |
| Return on assets (ROA) | 0.4994% | 4,021 |
| Pretax return on assets | 0.5802% | 4,023 |
| Return on Equity (ROE) | 10.3500% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.9449% | 3,121 |
| Net charge-offs to loans | -0.0016% | 3,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.0984% | 644 |
| Assets per employee ($millions) | 7.9471% | 1,352 |
| Cash dividends to net income (ytd only)* | 52.2289% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,754 |
| Loan loss allowance to noncurrent loans | 4,193.8272% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,195 |
| Noncurrent loans to loans | 0.0325% | 3,661 |
| Net loans and leases to total assets | 49.9200% | 3,467 |
| Net loans and leases to deposits | 63.3440% | 2,915 |
| Net loans and leases to core deposits | 64.9428% | 3,034 |
| Total domestic deposits to total assets | 78.8100% | 4,193 |
| Equity capital to assets | 2.4415% | 4,638 |
| Core capital (leverage) ratio | 7.1257% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3959% | 1,603 |
| Memoranda: | ||
| Average total assets | $485,128,250 | 1,770 |
| Average earning assets | $467,664,000 | 1,714 |
| Average equity | $23,404,000 | 2,717 |
| Average total loans | $245,442,000 | 1,970 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 3,409 |
| Cost of funding earning assets | 0.2591% | 2,152 |
| Net interest margin | 2.7990% | 3,450 |
| Noninterest income to average assets | 0.6792% | 1,433 |
| Noninterest expense to average assets | 2.7812% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4880% | 3,927 |
| Return on assets (ROA) | 0.4869% | 3,875 |
| Pretax return on assets | 0.5959% | 3,827 |
| Return on Equity (ROE) | 8.6412% | 2,811 |
| Retained earnings to average equity (ytd only) | 2.8681% | 3,486 |
| Net charge-offs to loans | -0.0016% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3234% | 776 |
| Assets per employee ($millions) | 7.4212% | 1,665 |
| Cash dividends to net income (ytd only)* | 66.8085% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,829 |
| Loan loss allowance to noncurrent loans | 6,288.8889% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,266 |
| Noncurrent loans to loans | 0.0220% | 3,799 |
| Net loans and leases to total assets | 50.2468% | 3,348 |
| Net loans and leases to deposits | 64.7855% | 2,659 |
| Net loans and leases to core deposits | 66.5285% | 2,777 |
| Total domestic deposits to total assets | 77.5587% | 4,377 |
| Equity capital to assets | 4.2620% | 4,594 |
| Core capital (leverage) ratio | 7.2412% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4118% | 1,596 |
| Memoranda: | ||
| Average total assets | $482,597,000 | 1,783 |
| Average earning assets | $465,378,000 | 1,735 |
| Average equity | $27,195,333 | 2,570 |
| Average total loans | $244,128,667 | 1,971 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 3,291 |
| Cost of funding earning assets | 0.2086% | 2,686 |
| Net interest margin | 2.7792% | 3,203 |
| Noninterest income to average assets | 0.9505% | 757 |
| Noninterest expense to average assets | 3.0420% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5401% | 3,596 |
| Return on assets (ROA) | 0.5378% | 3,568 |
| Pretax return on assets | 0.5883% | 3,667 |
| Return on Equity (ROE) | 8.5077% | 2,510 |
| Retained earnings to average equity (ytd only) | 0.3277% | 3,949 |
| Net charge-offs to loans | -0.0016% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7363% | 868 |
| Assets per employee ($millions) | 7.3682% | 1,761 |
| Cash dividends to net income (ytd only)* | 96.1479% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,936 |
| Loan loss allowance to noncurrent loans | 15,431.8182% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,423 |
| Noncurrent loans to loans | 0.0090% | 3,959 |
| Net loans and leases to total assets | 49.4572% | 3,230 |
| Net loans and leases to deposits | 63.2922% | 2,591 |
| Net loans and leases to core deposits | 65.0893% | 2,715 |
| Total domestic deposits to total assets | 78.1411% | 4,399 |
| Equity capital to assets | 5.1783% | 4,705 |
| Core capital (leverage) ratio | 7.1718% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6475% | 1,600 |
| Memoranda: | ||
| Average total assets | $482,708,000 | 1,790 |
| Average earning assets | $465,892,500 | 1,738 |
| Average equity | $30,513,500 | 2,455 |
| Average total loans | $243,306,000 | 1,973 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 2,369 |
| Cost of funding earning assets | 0.2059% | 3,406 |
| Net interest margin | 3.4021% | 2,023 |
| Noninterest income to average assets | 0.5271% | 2,457 |
| Noninterest expense to average assets | 2.9046% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8160% | 3,284 |
| Return on assets (ROA) | 0.8096% | 3,377 |
| Pretax return on assets | 0.8967% | 3,518 |
| Return on Equity (ROE) | 10.4162% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.8936% | 2,407 |
| Net charge-offs to loans | -0.0328% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2687% | 1,084 |
| Assets per employee ($millions) | 7.3710% | 1,683 |
| Cash dividends to net income (ytd only)* | 43.4186% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 1,926 |
| Loan loss allowance to noncurrent loans | 4,649.3151% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 1,984 |
| Noncurrent loans to loans | 0.0301% | 3,859 |
| Net loans and leases to total assets | 49.9488% | 3,283 |
| Net loans and leases to deposits | 65.9454% | 2,524 |
| Net loans and leases to core deposits | 67.9001% | 2,655 |
| Total domestic deposits to total assets | 75.7426% | 4,523 |
| Equity capital to assets | 7.4815% | 4,598 |
| Core capital (leverage) ratio | 7.1696% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9938% | 1,514 |
| Memoranda: | ||
| Average total assets | $468,251,400 | 1,779 |
| Average earning assets | $451,628,800 | 1,733 |
| Average equity | $36,395,400 | 2,229 |
| Average total loans | $243,782,000 | 1,969 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 2,142 |
| Cost of funding earning assets | 0.2002% | 3,604 |
| Net interest margin | 3.5510% | 1,729 |
| Noninterest income to average assets | 0.4096% | 3,037 |
| Noninterest expense to average assets | 2.7188% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1115% | 2,509 |
| Return on assets (ROA) | 1.1118% | 2,562 |
| Pretax return on assets | 1.1147% | 3,169 |
| Return on Equity (ROE) | 14.1677% | 1,346 |
| Retained earnings to average equity (ytd only) | 9.8758% | 1,361 |
| Net charge-offs to loans | -0.0432% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9280% | 1,498 |
| Assets per employee ($millions) | 7.7725% | 1,401 |
| Cash dividends to net income (ytd only)* | 30.2937% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,702 |
| Loan loss allowance to noncurrent loans | 4,917.3913% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,907 |
| Noncurrent loans to loans | 0.0301% | 3,984 |
| Net loans and leases to total assets | 46.0610% | 3,790 |
| Net loans and leases to deposits | 61.0507% | 3,131 |
| Net loans and leases to core deposits | 62.8321% | 3,234 |
| Total domestic deposits to total assets | 75.4471% | 4,577 |
| Equity capital to assets | 7.7072% | 4,647 |
| Core capital (leverage) ratio | 7.6265% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9177% | 1,145 |
| Memoranda: | ||
| Average total assets | $465,535,500 | 1,810 |
| Average earning assets | $448,833,250 | 1,764 |
| Average equity | $36,533,000 | 2,256 |
| Average total loans | $244,051,000 | 1,992 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 3,061 |
| Cost of funding earning assets | 0.2002% | 3,744 |
| Net interest margin | 3.2355% | 2,654 |
| Noninterest income to average assets | 0.4179% | 3,020 |
| Noninterest expense to average assets | 2.7511% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7847% | 3,555 |
| Return on assets (ROA) | 0.7852% | 3,621 |
| Pretax return on assets | 0.7895% | 3,888 |
| Return on Equity (ROE) | 9.9417% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.9708% | 3,194 |
| Net charge-offs to loans | -0.0618% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7105% | 932 |
| Assets per employee ($millions) | 7.2435% | 1,637 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,219 |
| Loan loss allowance to noncurrent loans | 3,391.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 1,964 |
| Noncurrent loans to loans | 0.0396% | 3,998 |
| Net loans and leases to total assets | 53.6859% | 3,170 |
| Net loans and leases to deposits | 70.8497% | 2,324 |
| Net loans and leases to core deposits | 73.0773% | 2,512 |
| Total domestic deposits to total assets | 75.7745% | 4,572 |
| Equity capital to assets | 7.9004% | 4,579 |
| Core capital (leverage) ratio | 7.3993% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4530% | 1,236 |
| Memoranda: | ||
| Average total assets | $457,490,667 | 1,827 |
| Average earning assets | $441,484,000 | 1,781 |
| Average equity | $36,130,667 | 2,264 |
| Average total loans | $249,088,000 | 1,966 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 2,580 |
| Cost of funding earning assets | 0.1978% | 3,933 |
| Net interest margin | 3.4225% | 2,049 |
| Noninterest income to average assets | 0.3794% | 3,201 |
| Noninterest expense to average assets | 2.7832% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8917% | 3,150 |
| Return on assets (ROA) | 0.8934% | 3,223 |
| Pretax return on assets | 0.9022% | 3,592 |
| Return on Equity (ROE) | 11.3144% | 2,264 |
| Retained earnings to average equity (ytd only) | 5.3618% | 3,107 |
| Net charge-offs to loans | -0.1228% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 1,175 |
| Assets per employee ($millions) | 7.2105% | 1,637 |
| Cash dividends to net income (ytd only)* | 52.6108% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,215 |
| Loan loss allowance to noncurrent loans | 7,883.7209% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,200 |
| Noncurrent loans to loans | 0.0171% | 4,210 |
| Net loans and leases to total assets | 53.8066% | 3,265 |
| Net loans and leases to deposits | 69.6862% | 2,540 |
| Net loans and leases to core deposits | 71.8680% | 2,713 |
| Total domestic deposits to total assets | 77.2128% | 4,503 |
| Equity capital to assets | 7.5944% | 4,680 |
| Core capital (leverage) ratio | 7.4458% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4751% | 1,177 |
| Memoranda: | ||
| Average total assets | $454,443,500 | 1,829 |
| Average earning assets | $438,749,500 | 1,782 |
| Average equity | $35,883,500 | 2,268 |
| Average total loans | $247,496,500 | 1,980 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 3,795 |
| Cost of funding earning assets | 0.2994% | 4,147 |
| Net interest margin | 3.3093% | 3,046 |
| Noninterest income to average assets | 0.3818% | 3,201 |
| Noninterest expense to average assets | 2.9593% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5851% | 3,802 |
| Return on assets (ROA) | 0.5851% | 3,904 |
| Pretax return on assets | 0.5876% | 4,102 |
| Return on Equity (ROE) | 6.6755% | 3,340 |
| Retained earnings to average equity (ytd only) | 3.5010% | 3,079 |
| Net charge-offs to loans | -0.0335% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4342% | 672 |
| Assets per employee ($millions) | 6.9909% | 1,593 |
| Cash dividends to net income (ytd only)* | 47.5548% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,135 |
| Loan loss allowance to noncurrent loans | 8,721.0526% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 2,348 |
| Noncurrent loans to loans | 0.0156% | 4,302 |
| Net loans and leases to total assets | 53.6384% | 3,522 |
| Net loans and leases to deposits | 72.1549% | 2,670 |
| Net loans and leases to core deposits | 74.5777% | 2,856 |
| Total domestic deposits to total assets | 74.3379% | 4,617 |
| Equity capital to assets | 8.2073% | 4,621 |
| Core capital (leverage) ratio | 7.6500% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1019% | 1,240 |
| Memoranda: | ||
| Average total assets | $405,401,800 | 1,845 |
| Average earning assets | $387,720,200 | 1,804 |
| Average equity | $35,533,000 | 2,208 |
| Average total loans | $227,065,600 | 2,055 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 3,944 |
| Cost of funding earning assets | 0.3060% | 4,286 |
| Net interest margin | 3.3269% | 3,110 |
| Noninterest income to average assets | 0.3900% | 3,129 |
| Noninterest expense to average assets | 2.9084% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6530% | 3,619 |
| Return on assets (ROA) | 0.6530% | 3,719 |
| Pretax return on assets | 0.6564% | 3,990 |
| Return on Equity (ROE) | 7.3181% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.9012% | 3,098 |
| Net charge-offs to loans | -0.0454% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5874% | 750 |
| Assets per employee ($millions) | 6.6861% | 1,681 |
| Cash dividends to net income (ytd only)* | 46.6908% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,910 |
| Loan loss allowance to noncurrent loans | 36,833.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 2,470 |
| Noncurrent loans to loans | 0.0037% | 4,447 |
| Net loans and leases to total assets | 56.1285% | 3,613 |
| Net loans and leases to deposits | 76.9879% | 2,653 |
| Net loans and leases to core deposits | 79.8226% | 2,859 |
| Total domestic deposits to total assets | 72.9057% | 4,642 |
| Equity capital to assets | 8.5740% | 4,423 |
| Core capital (leverage) ratio | 7.7880% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3088% | 1,187 |
| Memoranda: | ||
| Average total assets | $394,897,750 | 1,861 |
| Average earning assets | $376,837,500 | 1,823 |
| Average equity | $35,236,000 | 2,209 |
| Average total loans | $223,006,500 | 2,082 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,059 |
| Cost of funding earning assets | 0.3464% | 4,285 |
| Net interest margin | 3.3660% | 3,206 |
| Noninterest income to average assets | 0.4084% | 3,026 |
| Noninterest expense to average assets | 2.9367% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6757% | 3,480 |
| Return on assets (ROA) | 0.6757% | 3,586 |
| Pretax return on assets | 0.6809% | 3,911 |
| Return on Equity (ROE) | 7.4644% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.1610% | 2,837 |
| Net charge-offs to loans | -0.0703% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1780% | 806 |
| Assets per employee ($millions) | 6.9040% | 1,502 |
| Cash dividends to net income (ytd only)* | 44.2560% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,821 |
| Loan loss allowance to noncurrent loans | 367.1096% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 1,990 |
| Noncurrent loans to loans | 0.3653% | 3,097 |
| Net loans and leases to total assets | 54.3498% | 3,842 |
| Net loans and leases to deposits | 78.2929% | 2,622 |
| Net loans and leases to core deposits | 81.4546% | 2,821 |
| Total domestic deposits to total assets | 69.4186% | 4,806 |
| Equity capital to assets | 8.1464% | 4,653 |
| Core capital (leverage) ratio | 7.7151% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9227% | 1,260 |
| Memoranda: | ||
| Average total assets | $383,894,000 | 1,875 |
| Average earning assets | $366,011,000 | 1,835 |
| Average equity | $34,751,667 | 2,218 |
| Average total loans | $216,177,333 | 2,117 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,183 |
| Cost of funding earning assets | 0.4610% | 4,110 |
| Net interest margin | 3.3623% | 3,417 |
| Noninterest income to average assets | 0.4803% | 2,649 |
| Noninterest expense to average assets | 3.2174% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4473% | 4,026 |
| Return on assets (ROA) | 0.4473% | 4,076 |
| Pretax return on assets | 0.4587% | 4,192 |
| Return on Equity (ROE) | 4.6442% | 3,767 |
| Retained earnings to average equity (ytd only) | -0.7563% | 4,108 |
| Net charge-offs to loans | -0.0399% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5232% | 608 |
| Assets per employee ($millions) | 5.3872% | 2,241 |
| Cash dividends to net income (ytd only)* | 116.2850% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 981 |
| Loan loss allowance to noncurrent loans | 368.2486% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,757 |
| Noncurrent loans to loans | 0.4450% | 2,920 |
| Net loans and leases to total assets | 55.8678% | 3,852 |
| Net loans and leases to deposits | 76.6868% | 3,011 |
| Net loans and leases to core deposits | 80.3928% | 3,163 |
| Total domestic deposits to total assets | 72.8519% | 4,736 |
| Equity capital to assets | 10.0260% | 3,757 |
| Core capital (leverage) ratio | 9.2378% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0382% | 1,590 |
| Memoranda: | ||
| Average total assets | $351,459,500 | 1,954 |
| Average earning assets | $334,059,000 | 1,916 |
| Average equity | $33,848,500 | 2,253 |
| Average total loans | $200,657,500 | 2,178 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 4,299 |
| Cost of funding earning assets | 0.6540% | 3,390 |
| Net interest margin | 3.3258% | 3,929 |
| Noninterest income to average assets | 0.5783% | 2,321 |
| Noninterest expense to average assets | 3.3037% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4427% | 4,514 |
| Return on assets (ROA) | 0.4458% | 4,543 |
| Pretax return on assets | 0.4487% | 4,644 |
| Return on Equity (ROE) | 5.0804% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.6652% | 3,706 |
| Net charge-offs to loans | 0.1638% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.7538% | 3,174 |
| Efficiency ratio | 88.1164% | 431 |
| Assets per employee ($millions) | 5.1123% | 2,441 |
| Cash dividends to net income (ytd only)* | 47.5399% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 976 |
| Loan loss allowance to noncurrent loans | 2,570.6349% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 2,268 |
| Noncurrent loans to loans | 0.0622% | 4,292 |
| Net loans and leases to total assets | 56.4665% | 3,891 |
| Net loans and leases to deposits | 76.9364% | 3,093 |
| Net loans and leases to core deposits | 80.5433% | 3,250 |
| Total domestic deposits to total assets | 73.3937% | 4,801 |
| Equity capital to assets | 9.2385% | 4,542 |
| Core capital (leverage) ratio | 9.1100% | 4,438 |
| Tier 1 risk-based capital ratio | 14.8513% | 2,844 |
| Total risk-based capital ratio | 16.1045% | 2,772 |
| Memoranda: | ||
| Average total assets | $351,031,600 | 1,907 |
| Average earning assets | $334,690,400 | 1,864 |
| Average equity | $30,804,400 | 2,347 |
| Average total loans | $200,913,800 | 2,159 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 4,414 |
| Cost of funding earning assets | 0.6808% | 3,305 |
| Net interest margin | 3.2920% | 4,100 |
| Noninterest income to average assets | 0.5997% | 2,203 |
| Noninterest expense to average assets | 3.2541% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4879% | 4,546 |
| Return on assets (ROA) | 0.4875% | 4,592 |
| Pretax return on assets | 0.4913% | 4,706 |
| Return on Equity (ROE) | 5.6304% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.8020% | 3,973 |
| Net charge-offs to loans | -0.0066% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8731% | 456 |
| Assets per employee ($millions) | 5.1947% | 2,345 |
| Cash dividends to net income (ytd only)* | 50.2343% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 764 |
| Loan loss allowance to noncurrent loans | 3,032.2034% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,456 |
| Noncurrent loans to loans | 0.0572% | 4,379 |
| Net loans and leases to total assets | 57.3664% | 3,937 |
| Net loans and leases to deposits | 81.6432% | 2,732 |
| Net loans and leases to core deposits | 85.5360% | 2,949 |
| Total domestic deposits to total assets | 70.2648% | 4,983 |
| Equity capital to assets | 9.2159% | 4,656 |
| Core capital (leverage) ratio | 8.9724% | 4,659 |
| Tier 1 risk-based capital ratio | 14.6148% | 3,019 |
| Total risk-based capital ratio | 15.8696% | 2,946 |
| Memoranda: | ||
| Average total assets | $350,601,750 | 1,917 |
| Average earning assets | $335,071,250 | 1,877 |
| Average equity | $30,358,250 | 2,381 |
| Average total loans | $200,536,000 | 2,179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 4,506 |
| Cost of funding earning assets | 0.6623% | 3,343 |
| Net interest margin | 3.2720% | 4,195 |
| Noninterest income to average assets | 0.6805% | 1,795 |
| Noninterest expense to average assets | 3.2654% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5427% | 4,441 |
| Return on assets (ROA) | 0.5427% | 4,471 |
| Pretax return on assets | 0.5484% | 4,628 |
| Return on Equity (ROE) | 6.4065% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.2404% | 3,603 |
| Net charge-offs to loans | -0.0060% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6200% | 566 |
| Assets per employee ($millions) | 4.7345% | 2,825 |
| Cash dividends to net income (ytd only)* | 49.4204% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 698 |
| Loan loss allowance to noncurrent loans | 1,001.1204% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 4,247 |
| Noncurrent loans to loans | 0.1783% | 3,917 |
| Net loans and leases to total assets | 56.1181% | 4,075 |
| Net loans and leases to deposits | 83.0032% | 2,609 |
| Net loans and leases to core deposits | 86.1888% | 2,944 |
| Total domestic deposits to total assets | 67.6095% | 5,117 |
| Equity capital to assets | 9.0556% | 4,767 |
| Core capital (leverage) ratio | 8.9323% | 4,689 |
| Tier 1 risk-based capital ratio | 14.9598% | 2,862 |
| Total risk-based capital ratio | 16.2154% | 2,777 |
| Memoranda: | ||
| Average total assets | $349,723,000 | 1,936 |
| Average earning assets | $334,900,330 | 1,890 |
| Average equity | $29,626,330 | 2,423 |
| Average total loans | $198,642,000 | 2,196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 4,641 |
| Cost of funding earning assets | 0.6511% | 3,319 |
| Net interest margin | 3.1875% | 4,411 |
| Noninterest income to average assets | 0.5220% | 2,425 |
| Noninterest expense to average assets | 3.0932% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4717% | 4,595 |
| Return on assets (ROA) | 0.4717% | 4,617 |
| Pretax return on assets | 0.4831% | 4,724 |
| Return on Equity (ROE) | 5.7671% | 4,091 |
| Retained earnings to average equity (ytd only) | 0.9378% | 4,323 |
| Net charge-offs to loans | -0.0081% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4917% | 551 |
| Assets per employee ($millions) | 4.8282% | 2,750 |
| Cash dividends to net income (ytd only)* | 83.7379% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 723 |
| Loan loss allowance to noncurrent loans | 744.1667% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,110 |
| Noncurrent loans to loans | 0.2401% | 3,714 |
| Net loans and leases to total assets | 56.4837% | 4,032 |
| Net loans and leases to deposits | 79.8150% | 2,858 |
| Net loans and leases to core deposits | 83.0210% | 3,110 |
| Total domestic deposits to total assets | 70.7682% | 5,087 |
| Equity capital to assets | 8.4895% | 4,995 |
| Core capital (leverage) ratio | 8.7803% | 4,808 |
| Tier 1 risk-based capital ratio | 14.6811% | 3,015 |
| Total risk-based capital ratio | 15.9363% | 2,939 |
| Memoranda: | ||
| Average total assets | $349,406,500 | 1,951 |
| Average earning assets | $334,807,500 | 1,903 |
| Average equity | $28,576,000 | 2,480 |
| Average total loans | $197,869,500 | 2,222 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 4,671 |
| Cost of funding earning assets | 0.4984% | 3,372 |
| Net interest margin | 3.2023% | 4,479 |
| Noninterest income to average assets | 0.5672% | 2,461 |
| Noninterest expense to average assets | 3.0454% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5868% | 4,456 |
| Return on assets (ROA) | 0.5868% | 4,461 |
| Pretax return on assets | 0.5896% | 4,651 |
| Return on Equity (ROE) | 7.7672% | 3,542 |
| Retained earnings to average equity (ytd only) | 4.0138% | 3,360 |
| Net charge-offs to loans | -0.0005% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7792% | 665 |
| Assets per employee ($millions) | 4.7457% | 2,817 |
| Cash dividends to net income (ytd only)* | 48.3238% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 654 |
| Loan loss allowance to noncurrent loans | 1,524.7863% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,499 |
| Noncurrent loans to loans | 0.1195% | 4,190 |
| Net loans and leases to total assets | 54.7421% | 4,226 |
| Net loans and leases to deposits | 76.6384% | 3,306 |
| Net loans and leases to core deposits | 79.3264% | 3,475 |
| Total domestic deposits to total assets | 71.4290% | 5,103 |
| Equity capital to assets | 7.8705% | 5,202 |
| Core capital (leverage) ratio | 8.6114% | 4,951 |
| Tier 1 risk-based capital ratio | 15.1859% | 2,743 |
| Total risk-based capital ratio | 16.4419% | 2,675 |
| Memoranda: | ||
| Average total assets | $355,811,800 | 1,896 |
| Average earning assets | $340,878,200 | 1,845 |
| Average equity | $26,882,200 | 2,517 |
| Average total loans | $194,132,000 | 2,219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,729 |
| Cost of funding earning assets | 0.4862% | 3,282 |
| Net interest margin | 3.1614% | 4,594 |
| Noninterest income to average assets | 0.5946% | 2,337 |
| Noninterest expense to average assets | 2.8528% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7687% | 4,016 |
| Return on assets (ROA) | 0.7687% | 4,026 |
| Pretax return on assets | 0.7724% | 4,365 |
| Return on Equity (ROE) | 10.2797% | 2,489 |
| Retained earnings to average equity (ytd only) | 6.5984% | 2,336 |
| Net charge-offs to loans | -0.0007% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6936% | 1,057 |
| Assets per employee ($millions) | 5.1309% | 2,300 |
| Cash dividends to net income (ytd only)* | 35.8114% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 696 |
| Loan loss allowance to noncurrent loans | 1,518.2979% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,627 |
| Noncurrent loans to loans | 0.1200% | 4,354 |
| Net loans and leases to total assets | 54.3032% | 4,343 |
| Net loans and leases to deposits | 75.2988% | 3,478 |
| Net loans and leases to core deposits | 78.5284% | 3,618 |
| Total domestic deposits to total assets | 72.1168% | 5,124 |
| Equity capital to assets | 7.3861% | 5,329 |
| Core capital (leverage) ratio | 8.6596% | 4,994 |
| Tier 1 risk-based capital ratio | 15.2077% | 2,781 |
| Total risk-based capital ratio | 16.4635% | 2,703 |
| Memoranda: | ||
| Average total assets | $356,968,500 | 1,897 |
| Average earning assets | $342,206,750 | 1,849 |
| Average equity | $26,692,750 | 2,538 |
| Average total loans | $193,711,500 | 2,226 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 4,806 |
| Cost of funding earning assets | 0.4706% | 3,218 |
| Net interest margin | 3.1037% | 4,722 |
| Noninterest income to average assets | 0.6532% | 2,078 |
| Noninterest expense to average assets | 2.9094% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7118% | 4,162 |
| Return on assets (ROA) | 0.7118% | 4,165 |
| Pretax return on assets | 0.7174% | 4,471 |
| Return on Equity (ROE) | 9.4813% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.1351% | 3,009 |
| Net charge-offs to loans | -0.0010% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2188% | 993 |
| Assets per employee ($millions) | 4.9504% | 2,483 |
| Cash dividends to net income (ytd only)* | 45.8399% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 705 |
| Loan loss allowance to noncurrent loans | 1,226.1168% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,578 |
| Noncurrent loans to loans | 0.1496% | 4,234 |
| Net loans and leases to total assets | 54.3312% | 4,309 |
| Net loans and leases to deposits | 75.4664% | 3,396 |
| Net loans and leases to core deposits | 79.1551% | 3,486 |
| Total domestic deposits to total assets | 71.9938% | 5,184 |
| Equity capital to assets | 7.4694% | 5,381 |
| Core capital (leverage) ratio | 8.5696% | 5,062 |
| Tier 1 risk-based capital ratio | 15.0655% | 2,840 |
| Total risk-based capital ratio | 16.3215% | 2,767 |
| Memoranda: | ||
| Average total assets | $357,947,670 | 1,898 |
| Average earning assets | $342,946,330 | 1,854 |
| Average equity | $26,874,000 | 2,539 |
| Average total loans | $193,009,330 | 2,239 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,807 |
| Cost of funding earning assets | 0.4327% | 3,351 |
| Net interest margin | 3.1085% | 4,690 |
| Noninterest income to average assets | 0.5028% | 2,781 |
| Noninterest expense to average assets | 2.9038% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5637% | 4,532 |
| Return on assets (ROA) | 0.5637% | 4,535 |
| Pretax return on assets | 0.5748% | 4,743 |
| Return on Equity (ROE) | 7.4896% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.9587% | 3,197 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4766% | 833 |
| Assets per employee ($millions) | 5.0016% | 2,493 |
| Cash dividends to net income (ytd only)* | 33.7917% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 717 |
| Loan loss allowance to noncurrent loans | 1,269.3950% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 3,891 |
| Noncurrent loans to loans | 0.1455% | 4,314 |
| Net loans and leases to total assets | 53.3985% | 4,335 |
| Net loans and leases to deposits | 72.6207% | 3,546 |
| Net loans and leases to core deposits | 77.3746% | 3,546 |
| Total domestic deposits to total assets | 73.5307% | 5,191 |
| Equity capital to assets | 7.3898% | 5,453 |
| Core capital (leverage) ratio | 8.2585% | 5,284 |
| Tier 1 risk-based capital ratio | 14.8182% | 2,969 |
| Total risk-based capital ratio | 16.0739% | 2,897 |
| Memoranda: | ||
| Average total assets | $361,183,500 | 1,891 |
| Average earning assets | $345,759,500 | 1,848 |
| Average equity | $27,184,500 | 2,540 |
| Average total loans | $192,249,500 | 2,254 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 4,968 |
| Cost of funding earning assets | 0.4093% | 3,170 |
| Net interest margin | 2.9708% | 4,947 |
| Noninterest income to average assets | 0.4870% | 3,087 |
| Noninterest expense to average assets | 2.8051% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5236% | 4,314 |
| Return on assets (ROA) | 0.5214% | 4,353 |
| Pretax return on assets | 0.5242% | 4,891 |
| Return on Equity (ROE) | 6.7985% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.0176% | 2,787 |
| Net charge-offs to loans | -0.0559% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1991% | 753 |
| Assets per employee ($millions) | 5.1008% | 2,360 |
| Cash dividends to net income (ytd only)* | 40.9043% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8645% | 688 |
| Loan loss allowance to noncurrent loans | 1,181.1258% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,928 |
| Noncurrent loans to loans | 0.1579% | 4,297 |
| Net loans and leases to total assets | 51.1199% | 4,582 |
| Net loans and leases to deposits | 71.2589% | 3,767 |
| Net loans and leases to core deposits | 76.0284% | 3,743 |
| Total domestic deposits to total assets | 71.7384% | 5,338 |
| Equity capital to assets | 7.6587% | 5,502 |
| Core capital (leverage) ratio | 8.1892% | 5,359 |
| Tier 1 risk-based capital ratio | 14.6245% | 3,024 |
| Total risk-based capital ratio | 15.8803% | 2,949 |
| Memoranda: | ||
| Average total assets | $360,557,200 | 1,864 |
| Average earning assets | $345,231,800 | 1,816 |
| Average equity | $27,653,200 | 2,505 |
| Average total loans | $182,471,800 | 2,300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,060 |
| Cost of funding earning assets | 0.4048% | 3,138 |
| Net interest margin | 2.9330% | 5,048 |
| Noninterest income to average assets | 0.4150% | 3,592 |
| Noninterest expense to average assets | 2.7507% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4681% | 4,829 |
| Return on assets (ROA) | 0.4662% | 4,868 |
| Pretax return on assets | 0.4700% | 5,085 |
| Return on Equity (ROE) | 6.0770% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.3169% | 3,953 |
| Net charge-offs to loans | -0.0007% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3585% | 663 |
| Assets per employee ($millions) | 4.9695% | 2,488 |
| Cash dividends to net income (ytd only)* | 45.4183% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 788 |
| Loan loss allowance to noncurrent loans | 695.9839% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,855 |
| Noncurrent loans to loans | 0.2644% | 4,014 |
| Net loans and leases to total assets | 51.6629% | 4,597 |
| Net loans and leases to deposits | 72.7535% | 3,696 |
| Net loans and leases to core deposits | 77.8901% | 3,642 |
| Total domestic deposits to total assets | 71.0109% | 5,439 |
| Equity capital to assets | 7.9999% | 5,522 |
| Core capital (leverage) ratio | 8.2727% | 5,383 |
| Tier 1 risk-based capital ratio | 14.6846% | 3,078 |
| Total risk-based capital ratio | 15.9403% | 2,999 |
| Memoranda: | ||
| Average total assets | $358,883,000 | 1,886 |
| Average earning assets | $343,528,500 | 1,840 |
| Average equity | $27,534,750 | 2,535 |
| Average total loans | $180,263,000 | 2,334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 5,171 |
| Cost of funding earning assets | 0.4014% | 3,061 |
| Net interest margin | 2.8562% | 5,158 |
| Noninterest income to average assets | 0.4855% | 3,113 |
| Noninterest expense to average assets | 2.8042% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4131% | 4,948 |
| Return on assets (ROA) | 0.4103% | 4,983 |
| Pretax return on assets | 0.4159% | 5,154 |
| Return on Equity (ROE) | 5.4248% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.2229% | 4,345 |
| Net charge-offs to loans | -0.0011% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0098% | 605 |
| Assets per employee ($millions) | 4.7334% | 2,746 |
| Cash dividends to net income (ytd only)* | 59.0231% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 723 |
| Loan loss allowance to noncurrent loans | 534.0524% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 3,475 |
| Noncurrent loans to loans | 0.3554% | 3,756 |
| Net loans and leases to total assets | 51.1406% | 4,635 |
| Net loans and leases to deposits | 74.3033% | 3,517 |
| Net loans and leases to core deposits | 79.8453% | 3,431 |
| Total domestic deposits to total assets | 68.8267% | 5,576 |
| Equity capital to assets | 7.8520% | 5,587 |
| Core capital (leverage) ratio | 8.2173% | 5,416 |
| Tier 1 risk-based capital ratio | 15.0671% | 2,896 |
| Total risk-based capital ratio | 16.3238% | 2,831 |
| Memoranda: | ||
| Average total assets | $359,242,670 | 1,888 |
| Average earning assets | $344,307,330 | 1,840 |
| Average equity | $27,171,670 | 2,556 |
| Average total loans | $177,578,000 | 2,362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1658% | 5,289 |
| Cost of funding earning assets | 0.3956% | 3,034 |
| Net interest margin | 2.7703% | 5,303 |
| Noninterest income to average assets | 0.5092% | 2,912 |
| Noninterest expense to average assets | 2.7625% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3926% | 4,961 |
| Return on assets (ROA) | 0.3926% | 4,988 |
| Pretax return on assets | 0.4036% | 5,155 |
| Return on Equity (ROE) | 5.2877% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.8286% | 2,996 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2525% | 714 |
| Assets per employee ($millions) | 5.2897% | 2,085 |
| Cash dividends to net income (ytd only)* | 8.6835% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 680 |
| Loan loss allowance to noncurrent loans | 615.4529% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 3,685 |
| Noncurrent loans to loans | 0.3237% | 3,963 |
| Net loans and leases to total assets | 48.0958% | 4,815 |
| Net loans and leases to deposits | 69.0575% | 3,888 |
| Net loans and leases to core deposits | 74.7591% | 3,761 |
| Total domestic deposits to total assets | 69.6461% | 5,640 |
| Equity capital to assets | 7.6084% | 5,653 |
| Core capital (leverage) ratio | 8.1765% | 5,470 |
| Tier 1 risk-based capital ratio | 15.7017% | 2,661 |
| Total risk-based capital ratio | 16.9593% | 2,603 |
| Memoranda: | ||
| Average total assets | $363,730,000 | 1,882 |
| Average earning assets | $348,849,000 | 1,834 |
| Average equity | $27,006,000 | 2,575 |
| Average total loans | $175,069,500 | 2,405 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 4,970 |
| Cost of funding earning assets | 0.3994% | 3,005 |
| Net interest margin | 3.0053% | 4,950 |
| Noninterest income to average assets | 0.4808% | 3,341 |
| Noninterest expense to average assets | 3.0392% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3165% | 5,176 |
| Return on assets (ROA) | 0.3572% | 5,151 |
| Pretax return on assets | 0.3601% | 5,283 |
| Return on Equity (ROE) | 4.0761% | 4,808 |
| Retained earnings to average equity (ytd only) | 0.6498% | 5,066 |
| Net charge-offs to loans | -0.0113% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4999% | 527 |
| Assets per employee ($millions) | 5.6523% | 1,739 |
| Cash dividends to net income (ytd only)* | 84.0592% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 702 |
| Loan loss allowance to noncurrent loans | 613.2743% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,838 |
| Noncurrent loans to loans | 0.3206% | 3,996 |
| Net loans and leases to total assets | 46.3081% | 4,997 |
| Net loans and leases to deposits | 65.6212% | 4,277 |
| Net loans and leases to core deposits | 70.3819% | 4,208 |
| Total domestic deposits to total assets | 70.5689% | 5,639 |
| Equity capital to assets | 7.2502% | 5,765 |
| Core capital (leverage) ratio | 8.0585% | 5,586 |
| Tier 1 risk-based capital ratio | 15.4016% | 2,788 |
| Total risk-based capital ratio | 16.6590% | 2,724 |
| Memoranda: | ||
| Average total assets | $340,713,800 | 1,946 |
| Average earning assets | $326,220,200 | 1,890 |
| Average equity | $29,857,000 | 2,358 |
| Average total loans | $176,712,400 | 2,343 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 4,866 |
| Cost of funding earning assets | 0.4018% | 3,006 |
| Net interest margin | 3.0791% | 4,830 |
| Noninterest income to average assets | 0.5716% | 2,804 |
| Noninterest expense to average assets | 3.1085% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4054% | 5,002 |
| Return on assets (ROA) | 0.4610% | 4,913 |
| Pretax return on assets | 0.4650% | 5,199 |
| Return on Equity (ROE) | 5.0174% | 4,509 |
| Retained earnings to average equity (ytd only) | 1.3569% | 4,968 |
| Net charge-offs to loans | -0.0121% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3761% | 655 |
| Assets per employee ($millions) | 5.1589% | 2,175 |
| Cash dividends to net income (ytd only)* | 72.9564% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 791 |
| Loan loss allowance to noncurrent loans | 612.5664% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 3,609 |
| Noncurrent loans to loans | 0.3174% | 4,113 |
| Net loans and leases to total assets | 51.2677% | 4,710 |
| Net loans and leases to deposits | 73.7816% | 3,617 |
| Net loans and leases to core deposits | 79.7967% | 3,465 |
| Total domestic deposits to total assets | 69.4858% | 5,725 |
| Equity capital to assets | 9.0688% | 5,107 |
| Core capital (leverage) ratio | 8.5799% | 5,283 |
| Tier 1 risk-based capital ratio | 15.1276% | 2,984 |
| Total risk-based capital ratio | 16.3843% | 2,920 |
| Memoranda: | ||
| Average total assets | $332,629,500 | 1,993 |
| Average earning assets | $318,226,000 | 1,933 |
| Average equity | $30,559,500 | 2,324 |
| Average total loans | $176,836,000 | 2,348 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,877 |
| Cost of funding earning assets | 0.4025% | 3,015 |
| Net interest margin | 3.0929% | 4,854 |
| Noninterest income to average assets | 0.5612% | 2,846 |
| Noninterest expense to average assets | 3.1920% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3214% | 5,259 |
| Return on assets (ROA) | 0.3921% | 5,139 |
| Pretax return on assets | 0.3982% | 5,343 |
| Return on Equity (ROE) | 4.2491% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.5368% | 4,764 |
| Net charge-offs to loans | -0.0147% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7321% | 562 |
| Assets per employee ($millions) | 5.1827% | 2,102 |
| Cash dividends to net income (ytd only)* | 63.8331% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 873 |
| Loan loss allowance to noncurrent loans | 512.2963% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 3,572 |
| Noncurrent loans to loans | 0.3734% | 4,024 |
| Net loans and leases to total assets | 52.6335% | 4,622 |
| Net loans and leases to deposits | 75.7437% | 3,409 |
| Net loans and leases to core deposits | 81.9836% | 3,271 |
| Total domestic deposits to total assets | 69.4889% | 5,800 |
| Equity capital to assets | 9.9214% | 4,320 |
| Core capital (leverage) ratio | 8.8308% | 5,020 |
| Tier 1 risk-based capital ratio | 14.8318% | 3,150 |
| Total risk-based capital ratio | 16.0883% | 3,087 |
| Memoranda: | ||
| Average total assets | $330,010,330 | 2,019 |
| Average earning assets | $315,494,000 | 1,960 |
| Average equity | $30,453,330 | 2,339 |
| Average total loans | $176,441,000 | 2,348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 4,823 |
| Cost of funding earning assets | 0.4128% | 2,923 |
| Net interest margin | 3.1138% | 4,822 |
| Noninterest income to average assets | 0.6308% | 2,363 |
| Noninterest expense to average assets | 3.2887% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3072% | 5,281 |
| Return on assets (ROA) | 0.3797% | 5,125 |
| Pretax return on assets | 0.3919% | 5,328 |
| Return on Equity (ROE) | 4.2805% | 4,786 |
| Retained earnings to average equity (ytd only) | 0.1933% | 5,061 |
| Net charge-offs to loans | -0.0207% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2024% | 594 |
| Assets per employee ($millions) | 4.8268% | 2,538 |
| Cash dividends to net income (ytd only)* | 95.4839% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 864 |
| Loan loss allowance to noncurrent loans | 572.8027% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,646 |
| Noncurrent loans to loans | 0.3436% | 4,206 |
| Net loans and leases to total assets | 53.1924% | 4,520 |
| Net loans and leases to deposits | 73.4335% | 3,508 |
| Net loans and leases to core deposits | 79.4782% | 3,366 |
| Total domestic deposits to total assets | 72.4361% | 5,742 |
| Equity capital to assets | 9.2720% | 4,917 |
| Core capital (leverage) ratio | 8.9042% | 4,960 |
| Tier 1 risk-based capital ratio | 15.1918% | 3,068 |
| Total risk-based capital ratio | 16.4489% | 3,000 |
| Memoranda: | ||
| Average total assets | $326,577,000 | 2,047 |
| Average earning assets | $312,033,500 | 1,985 |
| Average equity | $28,968,500 | 2,437 |
| Average total loans | $174,277,500 | 2,367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 3,914 |
| Cost of funding earning assets | 0.4212% | 2,927 |
| Net interest margin | 3.4198% | 3,838 |
| Noninterest income to average assets | 0.6665% | 2,370 |
| Noninterest expense to average assets | 3.3289% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5935% | 4,302 |
| Return on assets (ROA) | 0.6034% | 4,353 |
| Pretax return on assets | 0.6066% | 4,818 |
| Return on Equity (ROE) | 6.7179% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.3787% | 3,648 |
| Net charge-offs to loans | -0.1675% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8022% | 1,112 |
| Assets per employee ($millions) | 4.9964% | 2,367 |
| Cash dividends to net income (ytd only)* | 49.7064% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 821 |
| Loan loss allowance to noncurrent loans | 593.9655% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,732 |
| Noncurrent loans to loans | 0.3351% | 4,261 |
| Net loans and leases to total assets | 51.4420% | 4,738 |
| Net loans and leases to deposits | 71.6885% | 3,753 |
| Net loans and leases to core deposits | 77.3603% | 3,623 |
| Total domestic deposits to total assets | 71.7576% | 5,813 |
| Equity capital to assets | 8.4765% | 5,582 |
| Core capital (leverage) ratio | 8.8112% | 5,099 |
| Tier 1 risk-based capital ratio | 15.2443% | 3,056 |
| Total risk-based capital ratio | 16.5015% | 2,991 |
| Memoranda: | ||
| Average total assets | $310,433,000 | 2,089 |
| Average earning assets | $295,832,800 | 2,043 |
| Average equity | $27,880,800 | 2,470 |
| Average total loans | $179,065,400 | 2,251 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 2,988 |
| Cost of funding earning assets | 0.4215% | 2,997 |
| Net interest margin | 3.6683% | 2,897 |
| Noninterest income to average assets | 0.5990% | 2,743 |
| Noninterest expense to average assets | 3.3804% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7117% | 3,854 |
| Return on assets (ROA) | 0.7251% | 3,893 |
| Pretax return on assets | 0.7295% | 4,573 |
| Return on Equity (ROE) | 7.9530% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.4072% | 3,336 |
| Net charge-offs to loans | -0.2164% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5221% | 1,325 |
| Assets per employee ($millions) | 4.5089% | 2,996 |
| Cash dividends to net income (ytd only)* | 44.5851% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 970 |
| Loan loss allowance to noncurrent loans | 597.9130% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 3,686 |
| Noncurrent loans to loans | 0.3283% | 4,433 |
| Net loans and leases to total assets | 54.4038% | 4,523 |
| Net loans and leases to deposits | 74.7328% | 3,452 |
| Net loans and leases to core deposits | 80.8665% | 3,355 |
| Total domestic deposits to total assets | 72.7978% | 5,808 |
| Equity capital to assets | 9.0766% | 5,234 |
| Core capital (leverage) ratio | 9.2998% | 4,587 |
| Tier 1 risk-based capital ratio | 15.1375% | 3,223 |
| Total risk-based capital ratio | 16.3942% | 3,157 |
| Memoranda: | ||
| Average total assets | $305,601,250 | 2,128 |
| Average earning assets | $291,355,250 | 2,083 |
| Average equity | $27,863,000 | 2,477 |
| Average total loans | $180,561,750 | 2,238 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,491 |
| Cost of funding earning assets | 0.4288% | 2,944 |
| Net interest margin | 3.7880% | 2,369 |
| Noninterest income to average assets | 0.6484% | 2,482 |
| Noninterest expense to average assets | 3.4269% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8220% | 3,268 |
| Return on assets (ROA) | 0.8364% | 3,305 |
| Pretax return on assets | 0.8430% | 4,151 |
| Return on Equity (ROE) | 9.1590% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.0215% | 2,849 |
| Net charge-offs to loans | -0.3202% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5318% | 1,690 |
| Assets per employee ($millions) | 4.1859% | 3,492 |
| Cash dividends to net income (ytd only)* | 45.1741% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 1,198 |
| Loan loss allowance to noncurrent loans | 585.5196% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 3,620 |
| Noncurrent loans to loans | 0.3220% | 4,542 |
| Net loans and leases to total assets | 60.1750% | 3,806 |
| Net loans and leases to deposits | 82.4744% | 2,497 |
| Net loans and leases to core deposits | 89.3838% | 2,405 |
| Total domestic deposits to total assets | 72.9620% | 5,873 |
| Equity capital to assets | 9.1497% | 5,085 |
| Core capital (leverage) ratio | 9.4902% | 4,299 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,748 |
| Total risk-based capital ratio | 15.5739% | 3,661 |
| Memoranda: | ||
| Average total assets | $302,260,000 | 2,170 |
| Average earning assets | $287,807,000 | 2,114 |
| Average equity | $27,601,330 | 2,504 |
| Average total loans | $182,365,670 | 2,245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,473 |
| Cost of funding earning assets | 0.4302% | 2,976 |
| Net interest margin | 4.0660% | 1,368 |
| Noninterest income to average assets | 0.6746% | 2,281 |
| Noninterest expense to average assets | 3.4201% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1119% | 1,829 |
| Return on assets (ROA) | 1.1405% | 1,834 |
| Pretax return on assets | 1.1536% | 2,855 |
| Return on Equity (ROE) | 12.5011% | 1,214 |
| Retained earnings to average equity (ytd only) | 9.8829% | 955 |
| Net charge-offs to loans | -0.6294% | 6,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2527% | 2,620 |
| Assets per employee ($millions) | 4.3380% | 3,312 |
| Cash dividends to net income (ytd only)* | 20.9436% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 1,339 |
| Loan loss allowance to noncurrent loans | 1,117.9153% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,955 |
| Noncurrent loans to loans | 0.1674% | 5,170 |
| Net loans and leases to total assets | 60.1245% | 3,634 |
| Net loans and leases to deposits | 80.8561% | 2,468 |
| Net loans and leases to core deposits | 87.5820% | 2,368 |
| Total domestic deposits to total assets | 74.3599% | 5,876 |
| Equity capital to assets | 9.5368% | 4,702 |
| Core capital (leverage) ratio | 9.3950% | 4,441 |
| Tier 1 risk-based capital ratio | 13.9754% | 4,044 |
| Total risk-based capital ratio | 15.2308% | 3,952 |
| Memoranda: | ||
| Average total assets | $304,790,000 | 2,168 |
| Average earning assets | $290,110,000 | 2,113 |
| Average equity | $27,805,500 | 2,514 |
| Average total loans | $182,410,000 | 2,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,016 |
| Cost of funding earning assets | 0.4805% | 2,875 |
| Net interest margin | 3.4499% | 3,980 |
| Noninterest income to average assets | 0.6667% | 2,470 |
| Noninterest expense to average assets | 3.2631% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6499% | 4,145 |
| Return on assets (ROA) | 0.6608% | 4,184 |
| Pretax return on assets | 0.6654% | 4,740 |
| Return on Equity (ROE) | 8.4896% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.2929% | 2,407 |
| Net charge-offs to loans | 0.0950% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.1758% | 2,410 |
| Efficiency ratio | 83.2973% | 1,488 |
| Assets per employee ($millions) | 4.3091% | 3,351 |
| Cash dividends to net income (ytd only)* | 37.6540% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 1,694 |
| Loan loss allowance to noncurrent loans | 222.4187% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 3,112 |
| Noncurrent loans to loans | 0.7794% | 3,358 |
| Net loans and leases to total assets | 57.4609% | 4,120 |
| Net loans and leases to deposits | 78.2279% | 2,951 |
| Net loans and leases to core deposits | 84.7823% | 2,808 |
| Total domestic deposits to total assets | 73.4532% | 5,984 |
| Equity capital to assets | 8.7234% | 5,561 |
| Core capital (leverage) ratio | 8.9816% | 5,023 |
| Tier 1 risk-based capital ratio | 14.2778% | 3,917 |
| Total risk-based capital ratio | 15.5327% | 3,837 |
| Memoranda: | ||
| Average total assets | $307,041,600 | 2,118 |
| Average earning assets | $289,309,000 | 2,072 |
| Average equity | $23,899,800 | 2,766 |
| Average total loans | $173,646,800 | 2,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,945 |
| Cost of funding earning assets | 0.4853% | 2,905 |
| Net interest margin | 3.4696% | 3,944 |
| Noninterest income to average assets | 0.7049% | 2,307 |
| Noninterest expense to average assets | 3.2849% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6766% | 4,069 |
| Return on assets (ROA) | 0.7245% | 3,922 |
| Pretax return on assets | 0.7306% | 4,591 |
| Return on Equity (ROE) | 9.6008% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.5544% | 2,066 |
| Net charge-offs to loans | 0.0761% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.9902% | 2,018 |
| Efficiency ratio | 82.8029% | 1,519 |
| Assets per employee ($millions) | 4.3807% | 3,160 |
| Cash dividends to net income (ytd only)* | 31.7307% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 1,679 |
| Loan loss allowance to noncurrent loans | 202.9709% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 2,924 |
| Noncurrent loans to loans | 0.8906% | 3,343 |
| Net loans and leases to total assets | 56.8787% | 4,214 |
| Net loans and leases to deposits | 77.2299% | 3,040 |
| Net loans and leases to core deposits | 83.8565% | 2,893 |
| Total domestic deposits to total assets | 73.6485% | 6,042 |
| Equity capital to assets | 8.2361% | 5,990 |
| Core capital (leverage) ratio | 8.9653% | 5,114 |
| Tier 1 risk-based capital ratio | 14.3207% | 4,014 |
| Total risk-based capital ratio | 15.5759% | 3,932 |
| Memoranda: | ||
| Average total assets | $306,238,000 | 2,134 |
| Average earning assets | $287,937,500 | 2,095 |
| Average equity | $23,108,500 | 2,843 |
| Average total loans | $171,703,250 | 2,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,954 |
| Cost of funding earning assets | 0.4876% | 2,950 |
| Net interest margin | 3.4565% | 3,958 |
| Noninterest income to average assets | 0.5965% | 2,830 |
| Noninterest expense to average assets | 3.3420% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4840% | 4,873 |
| Return on assets (ROA) | 0.5410% | 4,740 |
| Pretax return on assets | 0.5501% | 5,133 |
| Return on Equity (ROE) | 7.3953% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.1264% | 3,549 |
| Net charge-offs to loans | 0.1225% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.2404% | 2,659 |
| Efficiency ratio | 87.1677% | 1,169 |
| Assets per employee ($millions) | 4.5008% | 2,919 |
| Cash dividends to net income (ytd only)* | 44.2029% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 1,669 |
| Loan loss allowance to noncurrent loans | 187.3174% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 2,514 |
| Noncurrent loans to loans | 0.9946% | 3,247 |
| Net loans and leases to total assets | 55.1606% | 4,389 |
| Net loans and leases to deposits | 74.5230% | 3,264 |
| Net loans and leases to core deposits | 80.8032% | 3,116 |
| Total domestic deposits to total assets | 74.0182% | 6,112 |
| Equity capital to assets | 8.0410% | 6,130 |
| Core capital (leverage) ratio | 8.8271% | 5,256 |
| Tier 1 risk-based capital ratio | 14.1381% | 4,163 |
| Total risk-based capital ratio | 15.3937% | 4,097 |
| Memoranda: | ||
| Average total assets | $306,100,330 | 2,135 |
| Average earning assets | $286,702,330 | 2,096 |
| Average equity | $22,392,670 | 2,905 |
| Average total loans | $169,727,670 | 2,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,992 |
| Cost of funding earning assets | 0.4767% | 3,155 |
| Net interest margin | 3.4476% | 3,909 |
| Noninterest income to average assets | 0.5945% | 2,768 |
| Noninterest expense to average assets | 3.3503% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4483% | 4,940 |
| Return on assets (ROA) | 0.4521% | 4,995 |
| Pretax return on assets | 0.4704% | 5,257 |
| Return on Equity (ROE) | 6.5025% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.3264% | 4,132 |
| Net charge-offs to loans | 0.2800% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0254% | 2,744 |
| Efficiency ratio | 87.7782% | 1,250 |
| Assets per employee ($millions) | 4.5766% | 2,848 |
| Cash dividends to net income (ytd only)* | 48.8439% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 1,754 |
| Loan loss allowance to noncurrent loans | 134.0756% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 2,277 |
| Noncurrent loans to loans | 1.4166% | 2,658 |
| Net loans and leases to total assets | 54.5649% | 4,340 |
| Net loans and leases to deposits | 70.8866% | 3,487 |
| Net loans and leases to core deposits | 76.9139% | 3,316 |
| Total domestic deposits to total assets | 76.9749% | 5,969 |
| Equity capital to assets | 7.3961% | 6,346 |
| Core capital (leverage) ratio | 8.8069% | 5,257 |
| Tier 1 risk-based capital ratio | 14.3341% | 4,108 |
| Total risk-based capital ratio | 15.5900% | 4,059 |
| Memoranda: | ||
| Average total assets | $306,122,000 | 2,141 |
| Average earning assets | $286,110,000 | 2,104 |
| Average equity | $21,284,000 | 3,019 |
| Average total loans | $168,577,500 | 2,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 3,219 |
| Cost of funding earning assets | 0.4682% | 3,935 |
| Net interest margin | 3.7651% | 2,784 |
| Noninterest income to average assets | 0.6313% | 2,909 |
| Noninterest expense to average assets | 3.4556% | 1,760 |
| Loan and lease loss provision to assets | 0.0414% | 4,286 |
| Net operating income to assets | 0.6253% | 4,132 |
| Return on assets (ROA) | 0.6346% | 4,205 |
| Pretax return on assets | 0.6363% | 4,751 |
| Return on Equity (ROE) | 8.2439% | 2,906 |
| Retained earnings to average equity (ytd only) | 5.6251% | 2,198 |
| Net charge-offs to loans | 0.1020% | 3,811 |
| Credit loss provision to net charge-offs | 70.2247% | 3,301 |
| Earnings coverage of net charge-offs (x) | 11.3258% | 2,253 |
| Efficiency ratio | 83.7916% | 1,649 |
| Assets per employee ($millions) | 4.5616% | 2,798 |
| Cash dividends to net income (ytd only)* | 31.7659% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 1,655 |
| Loan loss allowance to noncurrent loans | 151.0726% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6013% | 2,322 |
| Noncurrent loans to loans | 1.2953% | 2,967 |
| Net loans and leases to total assets | 53.4635% | 4,657 |
| Net loans and leases to deposits | 68.7820% | 3,939 |
| Net loans and leases to core deposits | 74.3966% | 3,797 |
| Total domestic deposits to total assets | 77.7289% | 5,865 |
| Equity capital to assets | 6.5211% | 6,567 |
| Core capital (leverage) ratio | 8.7981% | 5,281 |
| Tier 1 risk-based capital ratio | 13.5620% | 4,606 |
| Total risk-based capital ratio | 14.8174% | 4,548 |
| Memoranda: | ||
| Average total assets | $301,594,200 | 2,136 |
| Average earning assets | $279,781,800 | 2,117 |
| Average equity | $23,217,200 | 2,799 |
| Average total loans | $174,502,800 | 2,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 3,066 |
| Cost of funding earning assets | 0.4606% | 4,165 |
| Net interest margin | 3.8226% | 2,567 |
| Noninterest income to average assets | 0.6821% | 2,725 |
| Noninterest expense to average assets | 3.5060% | 1,602 |
| Loan and lease loss provision to assets | 0.0557% | 3,938 |
| Net operating income to assets | 0.6617% | 4,058 |
| Return on assets (ROA) | 0.6741% | 4,135 |
| Pretax return on assets | 0.6763% | 4,763 |
| Return on Equity (ROE) | 8.4234% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.5262% | 2,120 |
| Net charge-offs to loans | 0.1425% | 3,116 |
| Credit loss provision to net charge-offs | 66.4894% | 3,149 |
| Earnings coverage of net charge-offs (x) | 8.5957% | 2,601 |
| Efficiency ratio | 82.9715% | 1,708 |
| Assets per employee ($millions) | 4.2589% | 3,312 |
| Cash dividends to net income (ytd only)* | 22.5233% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 1,931 |
| Loan loss allowance to noncurrent loans | 157.9225% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 2,481 |
| Noncurrent loans to loans | 1.2179% | 3,374 |
| Net loans and leases to total assets | 57.2481% | 4,132 |
| Net loans and leases to deposits | 75.3352% | 3,043 |
| Net loans and leases to core deposits | 82.0099% | 2,873 |
| Total domestic deposits to total assets | 75.9912% | 6,169 |
| Equity capital to assets | 7.3402% | 6,445 |
| Core capital (leverage) ratio | 9.0050% | 5,123 |
| Tier 1 risk-based capital ratio | 13.1460% | 5,017 |
| Total risk-based capital ratio | 14.4009% | 4,965 |
| Memoranda: | ||
| Average total assets | $299,445,000 | 2,162 |
| Average earning assets | $277,573,750 | 2,138 |
| Average equity | $23,964,500 | 2,761 |
| Average total loans | $175,841,250 | 2,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 3,074 |
| Cost of funding earning assets | 0.4543% | 4,385 |
| Net interest margin | 3.8160% | 2,491 |
| Noninterest income to average assets | 0.6751% | 2,768 |
| Noninterest expense to average assets | 3.5652% | 1,471 |
| Loan and lease loss provision to assets | 0.0830% | 3,412 |
| Net operating income to assets | 0.5644% | 4,480 |
| Return on assets (ROA) | 0.5828% | 4,563 |
| Pretax return on assets | 0.5861% | 5,069 |
| Return on Equity (ROE) | 7.0913% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,730 |
| Net charge-offs to loans | 0.2177% | 2,445 |
| Credit loss provision to net charge-offs | 64.7668% | 2,933 |
| Earnings coverage of net charge-offs (x) | 5.0777% | 2,969 |
| Efficiency ratio | 84.5694% | 1,569 |
| Assets per employee ($millions) | 4.1796% | 3,406 |
| Cash dividends to net income (ytd only)* | 22.2096% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,263 |
| Loan loss allowance to noncurrent loans | 132.0112% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.8103% | 2,397 |
| Noncurrent loans to loans | 1.4008% | 3,197 |
| Net loans and leases to total assets | 58.9340% | 3,837 |
| Net loans and leases to deposits | 78.2501% | 2,536 |
| Net loans and leases to core deposits | 85.2797% | 2,407 |
| Total domestic deposits to total assets | 75.3149% | 6,324 |
| Equity capital to assets | 7.4570% | 6,460 |
| Core capital (leverage) ratio | 8.6317% | 5,514 |
| Tier 1 risk-based capital ratio | 12.7354% | 5,337 |
| Total risk-based capital ratio | 13.9900% | 5,268 |
| Memoranda: | ||
| Average total assets | $301,305,670 | 2,158 |
| Average earning assets | $279,563,000 | 2,131 |
| Average equity | $24,762,670 | 2,684 |
| Average total loans | $177,278,330 | 2,231 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,912 |
| Cost of funding earning assets | 0.4523% | 4,570 |
| Net interest margin | 3.8432% | 2,309 |
| Noninterest income to average assets | 0.7313% | 2,424 |
| Noninterest expense to average assets | 3.4903% | 1,642 |
| Loan and lease loss provision to assets | 0.1647% | 2,219 |
| Net operating income to assets | 0.6299% | 4,082 |
| Return on assets (ROA) | 0.6364% | 4,200 |
| Pretax return on assets | 0.6430% | 4,795 |
| Return on Equity (ROE) | 7.4081% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.4081% | 1,980 |
| Net charge-offs to loans | 0.3212% | 1,679 |
| Credit loss provision to net charge-offs | 88.0282% | 2,055 |
| Earnings coverage of net charge-offs (x) | 4.2817% | 2,588 |
| Efficiency ratio | 81.3325% | 2,144 |
| Assets per employee ($millions) | 4.2817% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 2,329 |
| Loan loss allowance to noncurrent loans | 119.2870% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8697% | 2,516 |
| Noncurrent loans to loans | 1.5847% | 3,156 |
| Net loans and leases to total assets | 57.1255% | 3,899 |
| Net loans and leases to deposits | 75.3133% | 2,730 |
| Net loans and leases to core deposits | 81.8446% | 2,592 |
| Total domestic deposits to total assets | 75.8504% | 6,378 |
| Equity capital to assets | 8.5454% | 5,974 |
| Core capital (leverage) ratio | 8.5496% | 5,508 |
| Tier 1 risk-based capital ratio | 12.5769% | 5,531 |
| Total risk-based capital ratio | 13.8321% | 5,473 |
| Memoranda: | ||
| Average total assets | $303,581,500 | 2,163 |
| Average earning assets | $281,222,500 | 2,141 |
| Average equity | $26,079,500 | 2,610 |
| Average total loans | $176,825,500 | 2,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 3,636 |
| Cost of funding earning assets | 0.6499% | 3,915 |
| Net interest margin | 3.7937% | 3,253 |
| Noninterest income to average assets | 0.7027% | 2,706 |
| Noninterest expense to average assets | 3.7687% | 1,302 |
| Loan and lease loss provision to assets | 0.1417% | 3,832 |
| Net operating income to assets | 0.2731% | 5,564 |
| Return on assets (ROA) | 0.3365% | 5,558 |
| Pretax return on assets | 0.3382% | 5,749 |
| Return on Equity (ROE) | 3.9298% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.9298% | 3,439 |
| Net charge-offs to loans | -0.0943% | 6,812 |
| Credit loss provision to net charge-offs | -257.5758% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0478% | 1,068 |
| Assets per employee ($millions) | 3.9890% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 2,285 |
| Loan loss allowance to noncurrent loans | 106.0568% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.6567% | 1,818 |
| Noncurrent loans to loans | 1.7946% | 2,927 |
| Net loans and leases to total assets | 57.1579% | 4,103 |
| Net loans and leases to deposits | 76.4700% | 2,724 |
| Net loans and leases to core deposits | 83.5411% | 2,599 |
| Total domestic deposits to total assets | 74.7455% | 6,469 |
| Equity capital to assets | 8.6360% | 5,924 |
| Core capital (leverage) ratio | 8.4778% | 5,647 |
| Tier 1 risk-based capital ratio | 12.3683% | 5,565 |
| Total risk-based capital ratio | 13.6238% | 5,509 |
| Memoranda: | ||
| Average total assets | $299,861,000 | 2,139 |
| Average earning assets | $275,269,000 | 2,131 |
| Average equity | $25,675,400 | 2,598 |
| Average total loans | $174,993,000 | 2,260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 3,996 |
| Cost of funding earning assets | 0.7138% | 3,649 |
| Net interest margin | 3.6997% | 3,794 |
| Noninterest income to average assets | 0.7165% | 2,634 |
| Noninterest expense to average assets | 3.6837% | 1,386 |
| Loan and lease loss provision to assets | 0.1338% | 3,873 |
| Net operating income to assets | 0.2944% | 5,629 |
| Return on assets (ROA) | 0.3464% | 5,651 |
| Pretax return on assets | 0.3487% | 5,845 |
| Return on Equity (ROE) | 4.0548% | 5,267 |
| Retained earnings to average equity (ytd only) | 4.0548% | 4,037 |
| Net charge-offs to loans | -0.0222% | 6,521 |
| Credit loss provision to net charge-offs | -1,034.4828% | 6,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5513% | 1,072 |
| Assets per employee ($millions) | 4.0097% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,843 |
| Loan loss allowance to noncurrent loans | 84.8659% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.9109% | 1,803 |
| Noncurrent loans to loans | 2.1035% | 2,729 |
| Net loans and leases to total assets | 57.4996% | 4,203 |
| Net loans and leases to deposits | 79.0089% | 2,529 |
| Net loans and leases to core deposits | 86.8439% | 2,359 |
| Total domestic deposits to total assets | 72.7761% | 6,693 |
| Equity capital to assets | 8.8758% | 5,949 |
| Core capital (leverage) ratio | 8.4346% | 5,847 |
| Tier 1 risk-based capital ratio | 12.4628% | 5,672 |
| Total risk-based capital ratio | 13.7177% | 5,632 |
| Memoranda: | ||
| Average total assets | $299,035,750 | 2,165 |
| Average earning assets | $274,573,000 | 2,161 |
| Average equity | $25,549,000 | 2,636 |
| Average total loans | $174,580,500 | 2,291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 4,133 |
| Cost of funding earning assets | 0.6821% | 4,167 |
| Net interest margin | 3.7302% | 3,684 |
| Noninterest income to average assets | 0.7251% | 2,529 |
| Noninterest expense to average assets | 3.6970% | 1,380 |
| Loan and lease loss provision to assets | 0.1001% | 4,278 |
| Net operating income to assets | 0.3576% | 5,390 |
| Return on assets (ROA) | 0.3576% | 5,614 |
| Pretax return on assets | 0.3609% | 5,800 |
| Return on Equity (ROE) | 4.2394% | 5,158 |
| Retained earnings to average equity (ytd only) | 4.2394% | 3,789 |
| Net charge-offs to loans | -0.0698% | 6,755 |
| Credit loss provision to net charge-offs | -245.9016% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9138% | 1,158 |
| Assets per employee ($millions) | 3.9976% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 3,287 |
| Loan loss allowance to noncurrent loans | 87.3755% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 1,856 |
| Noncurrent loans to loans | 1.9296% | 3,027 |
| Net loans and leases to total assets | 58.7998% | 4,021 |
| Net loans and leases to deposits | 82.4427% | 2,056 |
| Net loans and leases to core deposits | 90.8185% | 1,893 |
| Total domestic deposits to total assets | 71.3220% | 6,841 |
| Equity capital to assets | 8.6817% | 6,048 |
| Core capital (leverage) ratio | 8.4615% | 5,697 |
| Tier 1 risk-based capital ratio | 12.4800% | 5,577 |
| Total risk-based capital ratio | 13.7348% | 5,553 |
| Memoranda: | ||
| Average total assets | $299,808,670 | 2,159 |
| Average earning assets | $275,907,000 | 2,142 |
| Average equity | $25,286,670 | 2,637 |
| Average total loans | $174,870,000 | 2,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 4,058 |
| Cost of funding earning assets | 0.6867% | 4,393 |
| Net interest margin | 3.7761% | 3,493 |
| Noninterest income to average assets | 0.7091% | 2,617 |
| Noninterest expense to average assets | 3.7216% | 1,348 |
| Loan and lease loss provision to assets | 0.0994% | 4,099 |
| Net operating income to assets | 0.3578% | 5,442 |
| Return on assets (ROA) | 0.3578% | 5,624 |
| Pretax return on assets | 0.3645% | 5,822 |
| Return on Equity (ROE) | 4.3047% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.3047% | 4,007 |
| Net charge-offs to loans | -0.1772% | 6,962 |
| Credit loss provision to net charge-offs | -97.4026% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9170% | 1,185 |
| Assets per employee ($millions) | 4.0428% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,343 |
| Loan loss allowance to noncurrent loans | 96.3109% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 2.8751% | 2,024 |
| Noncurrent loans to loans | 1.7675% | 3,458 |
| Net loans and leases to total assets | 57.2120% | 4,184 |
| Net loans and leases to deposits | 78.0918% | 2,489 |
| Net loans and leases to core deposits | 85.8037% | 2,313 |
| Total domestic deposits to total assets | 73.2625% | 6,805 |
| Equity capital to assets | 8.5574% | 6,033 |
| Core capital (leverage) ratio | 8.3690% | 5,780 |
| Tier 1 risk-based capital ratio | 12.6105% | 5,511 |
| Total risk-based capital ratio | 13.8659% | 5,479 |
| Memoranda: | ||
| Average total assets | $301,803,500 | 2,156 |
| Average earning assets | $277,852,500 | 2,139 |
| Average equity | $25,089,000 | 2,653 |
| Average total loans | $173,843,000 | 2,324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 3,348 |
| Cost of funding earning assets | 0.9450% | 3,752 |
| Net interest margin | 3.9563% | 3,080 |
| Noninterest income to average assets | 0.5003% | 3,837 |
| Noninterest expense to average assets | 3.8519% | 1,258 |
| Loan and lease loss provision to assets | 0.1326% | 4,953 |
| Net operating income to assets | 0.1814% | 5,640 |
| Return on assets (ROA) | 0.2643% | 5,534 |
| Pretax return on assets | 0.2660% | 5,643 |
| Return on Equity (ROE) | 3.2884% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.2884% | 3,884 |
| Net charge-offs to loans | 0.4378% | 3,249 |
| Credit loss provision to net charge-offs | 48.2673% | 5,464 |
| Earnings coverage of net charge-offs (x) | 1.1460% | 4,932 |
| Efficiency ratio | 92.4421% | 1,019 |
| Assets per employee ($millions) | 4.0590% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,675 |
| Loan loss allowance to noncurrent loans | 97.4684% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 2.9486% | 2,036 |
| Noncurrent loans to loans | 1.6167% | 3,734 |
| Net loans and leases to total assets | 56.1274% | 4,675 |
| Net loans and leases to deposits | 64.7595% | 4,904 |
| Net loans and leases to core deposits | 69.8284% | 4,798 |
| Total domestic deposits to total assets | 86.6705% | 2,935 |
| Equity capital to assets | 8.0792% | 6,523 |
| Core capital (leverage) ratio | 8.0499% | 6,204 |
| Tier 1 risk-based capital ratio | 12.2236% | 5,669 |
| Total risk-based capital ratio | 13.4786% | 5,636 |
| Memoranda: | ||
| Average total assets | $294,033,400 | 2,171 |
| Average earning assets | $272,498,800 | 2,152 |
| Average equity | $23,628,200 | 2,714 |
| Average total loans | $184,576,000 | 2,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 3,042 |
| Cost of funding earning assets | 0.9951% | 3,712 |
| Net interest margin | 4.0134% | 2,857 |
| Noninterest income to average assets | 0.5803% | 3,299 |
| Noninterest expense to average assets | 3.9413% | 1,084 |
| Loan and lease loss provision to assets | 0.1790% | 4,238 |
| Net operating income to assets | 0.1880% | 5,732 |
| Return on assets (ROA) | 0.2998% | 5,570 |
| Pretax return on assets | 0.3021% | 5,701 |
| Return on Equity (ROE) | 3.7359% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.7359% | 4,090 |
| Net charge-offs to loans | 0.1242% | 4,799 |
| Credit loss provision to net charge-offs | 224.1379% | 1,277 |
| Earnings coverage of net charge-offs (x) | 4.6093% | 3,008 |
| Efficiency ratio | 91.4563% | 1,075 |
| Assets per employee ($millions) | 3.9933% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,649 |
| Loan loss allowance to noncurrent loans | 41.4708% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 4.3678% | 1,380 |
| Noncurrent loans to loans | 4.5556% | 1,418 |
| Net loans and leases to total assets | 58.2804% | 4,460 |
| Net loans and leases to deposits | 67.4833% | 4,695 |
| Net loans and leases to core deposits | 76.9787% | 4,058 |
| Total domestic deposits to total assets | 86.3628% | 3,006 |
| Equity capital to assets | 7.9686% | 6,712 |
| Core capital (leverage) ratio | 8.0244% | 6,371 |
| Tier 1 risk-based capital ratio | 12.0068% | 5,890 |
| Total risk-based capital ratio | 13.2663% | 5,874 |
| Memoranda: | ||
| Average total assets | $290,421,250 | 2,208 |
| Average earning assets | $269,855,000 | 2,178 |
| Average equity | $23,304,500 | 2,748 |
| Average total loans | $186,741,250 | 2,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 2,395 |
| Cost of funding earning assets | 1.0182% | 3,829 |
| Net interest margin | 4.1485% | 2,233 |
| Noninterest income to average assets | 0.5985% | 3,156 |
| Noninterest expense to average assets | 4.0564% | 964 |
| Loan and lease loss provision to assets | 0.2727% | 3,207 |
| Net operating income to assets | 0.1258% | 5,945 |
| Return on assets (ROA) | 0.1258% | 6,036 |
| Pretax return on assets | 0.1293% | 6,049 |
| Return on Equity (ROE) | 1.5644% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.5644% | 5,200 |
| Net charge-offs to loans | 0.0529% | 5,118 |
| Credit loss provision to net charge-offs | 780.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,711 |
| Efficiency ratio | 90.9832% | 1,166 |
| Assets per employee ($millions) | 3.6766% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 2,548 |
| Loan loss allowance to noncurrent loans | 64.0770% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 3.4908% | 1,889 |
| Noncurrent loans to loans | 3.0228% | 2,398 |
| Net loans and leases to total assets | 61.5311% | 3,980 |
| Net loans and leases to deposits | 71.2638% | 4,241 |
| Net loans and leases to core deposits | 81.7666% | 3,544 |
| Total domestic deposits to total assets | 86.3427% | 3,132 |
| Equity capital to assets | 8.0812% | 6,615 |
| Core capital (leverage) ratio | 8.1239% | 6,130 |
| Tier 1 risk-based capital ratio | 11.8261% | 5,917 |
| Total risk-based capital ratio | 13.0868% | 5,887 |
| Memoranda: | ||
| Average total assets | $286,064,000 | 2,241 |
| Average earning assets | $266,169,000 | 2,211 |
| Average equity | $23,011,330 | 2,755 |
| Average total loans | $188,894,000 | 2,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 2,777 |
| Cost of funding earning assets | 1.0221% | 4,049 |
| Net interest margin | 4.0476% | 2,478 |
| Noninterest income to average assets | 0.6270% | 2,992 |
| Noninterest expense to average assets | 3.9849% | 1,057 |
| Loan and lease loss provision to assets | 0.2677% | 2,996 |
| Net operating income to assets | 0.1339% | 5,995 |
| Return on assets (ROA) | 0.1339% | 6,052 |
| Pretax return on assets | 0.1409% | 6,075 |
| Return on Equity (ROE) | 1.6681% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.6681% | 5,120 |
| Net charge-offs to loans | -0.1561% | 7,208 |
| Credit loss provision to net charge-offs | -253.3333% | 5,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6992% | 1,267 |
| Assets per employee ($millions) | 3.5103% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 2,943 |
| Loan loss allowance to noncurrent loans | 48.2812% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 4.0210% | 1,662 |
| Noncurrent loans to loans | 3.7759% | 1,947 |
| Net loans and leases to total assets | 66.2562% | 2,944 |
| Net loans and leases to deposits | 76.3286% | 3,365 |
| Net loans and leases to core deposits | 87.1225% | 2,718 |
| Total domestic deposits to total assets | 86.8039% | 3,056 |
| Equity capital to assets | 8.1449% | 6,348 |
| Core capital (leverage) ratio | 8.1957% | 5,975 |
| Tier 1 risk-based capital ratio | 11.1907% | 6,361 |
| Total risk-based capital ratio | 12.4507% | 6,322 |
| Memoranda: | ||
| Average total assets | $283,869,500 | 2,275 |
| Average earning assets | $264,153,500 | 2,242 |
| Average equity | $22,781,000 | 2,771 |
| Average total loans | $192,216,500 | 2,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 2,462 |
| Cost of funding earning assets | 1.3169% | 3,773 |
| Net interest margin | 4.1375% | 2,418 |
| Noninterest income to average assets | 0.6109% | 3,399 |
| Noninterest expense to average assets | 4.0933% | 1,033 |
| Loan and lease loss provision to assets | 1.3153% | 1,157 |
| Net operating income to assets | -0.9628% | 6,658 |
| Return on assets (ROA) | -0.9689% | 6,702 |
| Pretax return on assets | -0.9671% | 6,620 |
| Return on Equity (ROE) | -11.0897% | 6,778 |
| Retained earnings to average equity (ytd only) | -11.0897% | 6,720 |
| Net charge-offs to loans | 1.4729% | 1,501 |
| Credit loss provision to net charge-offs | 122.6953% | 3,403 |
| Earnings coverage of net charge-offs (x) | 0.3305% | 5,774 |
| Efficiency ratio | 92.0330% | 1,182 |
| Assets per employee ($millions) | 3.6318% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 3,439 |
| Loan loss allowance to noncurrent loans | 40.2067% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 4.2427% | 1,575 |
| Noncurrent loans to loans | 4.0705% | 1,776 |
| Net loans and leases to total assets | 66.8228% | 3,267 |
| Net loans and leases to deposits | 76.4483% | 3,775 |
| Net loans and leases to core deposits | 86.5571% | 3,248 |
| Total domestic deposits to total assets | 87.4091% | 2,609 |
| Equity capital to assets | 7.9079% | 6,575 |
| Core capital (leverage) ratio | 8.0201% | 6,175 |
| Tier 1 risk-based capital ratio | 10.9556% | 6,359 |
| Total risk-based capital ratio | 12.2134% | 6,327 |
| Memoranda: | ||
| Average total assets | $278,260,200 | 2,297 |
| Average earning assets | $258,030,800 | 2,274 |
| Average equity | $24,310,800 | 2,625 |
| Average total loans | $202,530,800 | 2,132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5761% | 2,159 |
| Cost of funding earning assets | 1.3626% | 3,820 |
| Net interest margin | 4.2135% | 2,175 |
| Noninterest income to average assets | 0.6756% | 2,977 |
| Noninterest expense to average assets | 4.0859% | 949 |
| Loan and lease loss provision to assets | 1.3232% | 1,045 |
| Net operating income to assets | -0.8340% | 6,808 |
| Return on assets (ROA) | -0.8393% | 6,849 |
| Pretax return on assets | -0.8369% | 6,767 |
| Return on Equity (ROE) | -9.3755% | 6,898 |
| Retained earnings to average equity (ytd only) | -9.3755% | 6,843 |
| Net charge-offs to loans | 1.9096% | 1,001 |
| Credit loss provision to net charge-offs | 93.5792% | 4,636 |
| Earnings coverage of net charge-offs (x) | 0.3477% | 5,678 |
| Efficiency ratio | 89.2605% | 1,342 |
| Assets per employee ($millions) | 3.5062% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,605 |
| Loan loss allowance to noncurrent loans | 28.2759% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 4.1425% | 1,663 |
| Noncurrent loans to loans | 4.1632% | 1,765 |
| Net loans and leases to total assets | 67.8569% | 3,255 |
| Net loans and leases to deposits | 79.6505% | 3,511 |
| Net loans and leases to core deposits | 91.3119% | 2,906 |
| Total domestic deposits to total assets | 85.1933% | 3,520 |
| Equity capital to assets | 8.3075% | 6,496 |
| Core capital (leverage) ratio | 8.5713% | 5,388 |
| Tier 1 risk-based capital ratio | 11.1371% | 6,250 |
| Total risk-based capital ratio | 12.2310% | 6,375 |
| Memoranda: | ||
| Average total assets | $276,096,750 | 2,345 |
| Average earning assets | $255,678,000 | 2,326 |
| Average equity | $24,716,250 | 2,619 |
| Average total loans | $204,435,000 | 2,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6433% | 1,966 |
| Cost of funding earning assets | 1.3832% | 3,986 |
| Net interest margin | 4.2601% | 1,923 |
| Noninterest income to average assets | 0.7455% | 2,427 |
| Noninterest expense to average assets | 4.2197% | 798 |
| Loan and lease loss provision to assets | 1.0577% | 1,367 |
| Net operating income to assets | -0.5994% | 6,740 |
| Return on assets (ROA) | -0.6074% | 6,773 |
| Pretax return on assets | -0.6038% | 6,658 |
| Return on Equity (ROE) | -6.6178% | 6,809 |
| Retained earnings to average equity (ytd only) | -6.6178% | 6,707 |
| Net charge-offs to loans | 1.4702% | 1,297 |
| Credit loss provision to net charge-offs | 94.7368% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.4138% | 5,309 |
| Efficiency ratio | 90.1318% | 1,323 |
| Assets per employee ($millions) | 3.3184% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,489 |
| Loan loss allowance to noncurrent loans | 33.0122% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 4.3975% | 1,517 |
| Noncurrent loans to loans | 3.6151% | 2,180 |
| Net loans and leases to total assets | 74.0271% | 1,906 |
| Net loans and leases to deposits | 90.0473% | 1,846 |
| Net loans and leases to core deposits | 105.0044% | 1,534 |
| Total domestic deposits to total assets | 82.2092% | 4,903 |
| Equity capital to assets | 9.1074% | 5,285 |
| Core capital (leverage) ratio | 9.1219% | 4,428 |
| Tier 1 risk-based capital ratio | 11.0138% | 6,224 |
| Total risk-based capital ratio | 12.1044% | 6,386 |
| Memoranda: | ||
| Average total assets | $272,292,000 | 2,396 |
| Average earning assets | $251,590,000 | 2,378 |
| Average equity | $24,993,330 | 2,589 |
| Average total loans | $206,773,330 | 2,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 1,349 |
| Cost of funding earning assets | 1.3964% | 4,206 |
| Net interest margin | 4.4434% | 1,267 |
| Noninterest income to average assets | 0.8326% | 1,874 |
| Noninterest expense to average assets | 4.3042% | 718 |
| Loan and lease loss provision to assets | 1.7475% | 648 |
| Net operating income to assets | -1.1190% | 7,175 |
| Return on assets (ROA) | -1.1308% | 7,198 |
| Pretax return on assets | -1.1234% | 7,111 |
| Return on Equity (ROE) | -12.2714% | 7,225 |
| Retained earnings to average equity (ytd only) | -12.2714% | 7,084 |
| Net charge-offs to loans | 2.9353% | 526 |
| Credit loss provision to net charge-offs | 77.8796% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.2834% | 4,790 |
| Efficiency ratio | 87.1284% | 1,673 |
| Assets per employee ($millions) | 3.2661% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 6,200 |
| Loan loss allowance to noncurrent loans | 63.8954% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.9038% | 2,470 |
| Noncurrent loans to loans | 1.6531% | 4,271 |
| Net loans and leases to total assets | 76.0756% | 1,531 |
| Net loans and leases to deposits | 92.9706% | 1,479 |
| Net loans and leases to core deposits | 109.7002% | 1,298 |
| Total domestic deposits to total assets | 81.8277% | 5,141 |
| Equity capital to assets | 9.2338% | 4,942 |
| Core capital (leverage) ratio | 9.2357% | 4,167 |
| Tier 1 risk-based capital ratio | 10.9018% | 6,248 |
| Total risk-based capital ratio | 11.8646% | 6,521 |
| Memoranda: | ||
| Average total assets | $272,384,500 | 2,454 |
| Average earning assets | $251,790,000 | 2,429 |
| Average equity | $25,099,000 | 2,604 |
| Average total loans | $208,227,000 | 2,193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9095% | 2,190 |
| Cost of funding earning assets | 1.6208% | 4,928 |
| Net interest margin | 4.2888% | 1,751 |
| Noninterest income to average assets | 0.6352% | 3,386 |
| Noninterest expense to average assets | 4.0343% | 1,316 |
| Loan and lease loss provision to assets | 0.3066% | 4,983 |
| Net operating income to assets | 0.2734% | 4,632 |
| Return on assets (ROA) | 0.2734% | 4,722 |
| Pretax return on assets | 0.2752% | 4,831 |
| Return on Equity (ROE) | 2.9907% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.6492% | 3,928 |
| Net charge-offs to loans | 0.3532% | 4,464 |
| Credit loss provision to net charge-offs | 113.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | 2.1507% | 4,110 |
| Efficiency ratio | 87.3965% | 1,938 |
| Assets per employee ($millions) | 3.2582% | 5,594 |
| Cash dividends to net income (ytd only)* | 44.8549% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,410 |
| Loan loss allowance to noncurrent loans | 74.4152% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9011% | 3,530 |
| Noncurrent loans to loans | 1.6040% | 4,253 |
| Net loans and leases to total assets | 75.1114% | 1,999 |
| Net loans and leases to deposits | 91.9377% | 1,904 |
| Net loans and leases to core deposits | 112.5831% | 2,638 |
| Total domestic deposits to total assets | 81.6981% | 5,063 |
| Equity capital to assets | 9.1959% | 4,848 |
| Core capital (leverage) ratio | 9.1532% | 4,195 |
| Tier 1 risk-based capital ratio | 11.0343% | 5,891 |
| Total risk-based capital ratio | 12.1260% | 6,006 |
| Memoranda: | ||
| Average total assets | $277,246,800 | 2,365 |
| Average earning assets | $257,347,600 | 2,351 |
| Average equity | $25,345,000 | 2,574 |
| Average total loans | $212,329,200 | 2,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 2,575 |
| Cost of funding earning assets | 1.6364% | 5,224 |
| Net interest margin | 4.2362% | 1,921 |
| Noninterest income to average assets | 0.6664% | 3,245 |
| Noninterest expense to average assets | 4.0587% | 1,199 |
| Loan and lease loss provision to assets | 0.2644% | 4,849 |
| Net operating income to assets | 0.2750% | 4,880 |
| Return on assets (ROA) | 0.2750% | 4,989 |
| Pretax return on assets | 0.2774% | 5,116 |
| Return on Equity (ROE) | 3.0127% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.0127% | 3,644 |
| Net charge-offs to loans | 0.2813% | 4,273 |
| Credit loss provision to net charge-offs | 122.4944% | 4,137 |
| Earnings coverage of net charge-offs (x) | 2.5100% | 3,971 |
| Efficiency ratio | 88.2224% | 1,851 |
| Assets per employee ($millions) | 3.3773% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 5,087 |
| Loan loss allowance to noncurrent loans | 55.1800% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.4019% | 2,867 |
| Noncurrent loans to loans | 2.1814% | 3,406 |
| Net loans and leases to total assets | 73.6099% | 2,640 |
| Net loans and leases to deposits | 91.7442% | 2,281 |
| Net loans and leases to core deposits | 115.6471% | 2,661 |
| Total domestic deposits to total assets | 80.2338% | 5,354 |
| Equity capital to assets | 9.1614% | 5,236 |
| Core capital (leverage) ratio | 9.4161% | 4,028 |
| Tier 1 risk-based capital ratio | 11.2171% | 5,730 |
| Total risk-based capital ratio | 12.3207% | 5,837 |
| Memoranda: | ||
| Average total assets | $277,321,000 | 2,384 |
| Average earning assets | $257,551,750 | 2,358 |
| Average equity | $25,314,250 | 2,598 |
| Average total loans | $212,778,000 | 2,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9967% | 2,190 |
| Cost of funding earning assets | 1.6904% | 5,319 |
| Net interest margin | 4.3063% | 1,638 |
| Noninterest income to average assets | 0.6572% | 3,288 |
| Noninterest expense to average assets | 4.1488% | 1,131 |
| Loan and lease loss provision to assets | 0.1809% | 5,238 |
| Net operating income to assets | 0.3214% | 4,806 |
| Return on assets (ROA) | 0.3214% | 4,920 |
| Pretax return on assets | 0.3250% | 5,148 |
| Return on Equity (ROE) | 3.5249% | 4,701 |
| Retained earnings to average equity (ytd only) | 3.5249% | 3,344 |
| Net charge-offs to loans | 0.3541% | 3,414 |
| Credit loss provision to net charge-offs | 65.9631% | 5,489 |
| Earnings coverage of net charge-offs (x) | 1.8443% | 4,186 |
| Efficiency ratio | 89.1308% | 1,891 |
| Assets per employee ($millions) | 3.3149% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 5,682 |
| Loan loss allowance to noncurrent loans | 76.2604% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 3,394 |
| Noncurrent loans to loans | 1.4262% | 4,360 |
| Net loans and leases to total assets | 74.5948% | 2,545 |
| Net loans and leases to deposits | 94.0508% | 2,081 |
| Net loans and leases to core deposits | 114.5959% | 2,841 |
| Total domestic deposits to total assets | 79.3134% | 5,715 |
| Equity capital to assets | 9.1350% | 5,115 |
| Core capital (leverage) ratio | 10.0076% | 3,292 |
| Tier 1 risk-based capital ratio | 11.1527% | 5,726 |
| Total risk-based capital ratio | 12.1546% | 5,917 |
| Memoranda: | ||
| Average total assets | $276,322,330 | 2,409 |
| Average earning assets | $256,508,670 | 2,388 |
| Average equity | $25,192,000 | 2,621 |
| Average total loans | $214,085,670 | 2,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0317% | 2,226 |
| Cost of funding earning assets | 1.7927% | 5,145 |
| Net interest margin | 4.2390% | 1,781 |
| Noninterest income to average assets | 0.7455% | 2,630 |
| Noninterest expense to average assets | 4.2273% | 914 |
| Loan and lease loss provision to assets | 0.2180% | 4,272 |
| Net operating income to assets | 0.2238% | 5,588 |
| Return on assets (ROA) | 0.2238% | 5,746 |
| Pretax return on assets | 0.2311% | 5,869 |
| Return on Equity (ROE) | 2.4572% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.4572% | 4,508 |
| Net charge-offs to loans | 0.6533% | 1,876 |
| Credit loss provision to net charge-offs | 42.4929% | 4,780 |
| Earnings coverage of net charge-offs (x) | 0.8754% | 4,326 |
| Efficiency ratio | 90.3978% | 1,692 |
| Assets per employee ($millions) | 3.3697% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 5,925 |
| Loan loss allowance to noncurrent loans | 53.6799% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.4483% | 2,339 |
| Noncurrent loans to loans | 1.9207% | 3,377 |
| Net loans and leases to total assets | 76.7761% | 2,094 |
| Net loans and leases to deposits | 96.1973% | 1,912 |
| Net loans and leases to core deposits | 118.2138% | 2,576 |
| Total domestic deposits to total assets | 79.8110% | 5,425 |
| Equity capital to assets | 9.0998% | 5,230 |
| Core capital (leverage) ratio | 9.9426% | 3,464 |
| Tier 1 risk-based capital ratio | 10.7662% | 6,124 |
| Total risk-based capital ratio | 11.7128% | 6,347 |
| Memoranda: | ||
| Average total assets | $275,256,000 | 2,418 |
| Average earning assets | $255,251,000 | 2,403 |
| Average equity | $25,069,500 | 2,643 |
| Average total loans | $216,130,000 | 2,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4866% | 3,023 |
| Cost of funding earning assets | 2.1343% | 5,907 |
| Net interest margin | 4.3523% | 1,815 |
| Noninterest income to average assets | 0.8561% | 2,191 |
| Noninterest expense to average assets | 4.1740% | 1,175 |
| Loan and lease loss provision to assets | 0.1770% | 5,127 |
| Net operating income to assets | 0.4758% | 4,845 |
| Return on assets (ROA) | 0.4755% | 4,669 |
| Pretax return on assets | 0.4774% | 5,048 |
| Return on Equity (ROE) | 5.0322% | 4,372 |
| Retained earnings to average equity (ytd only) | 2.8276% | 3,415 |
| Net charge-offs to loans | 0.2788% | 3,540 |
| Credit loss provision to net charge-offs | 80.3819% | 5,894 |
| Earnings coverage of net charge-offs (x) | 2.9740% | 4,602 |
| Efficiency ratio | 86.4413% | 1,809 |
| Assets per employee ($millions) | 3.1517% | 5,620 |
| Cash dividends to net income (ytd only)* | 43.8103% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,221 |
| Loan loss allowance to noncurrent loans | 42.7004% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 2,238 |
| Noncurrent loans to loans | 2.5933% | 2,089 |
| Net loans and leases to total assets | 78.5907% | 1,980 |
| Net loans and leases to deposits | 97.7958% | 2,157 |
| Net loans and leases to core deposits | 119.9748% | 2,692 |
| Total domestic deposits to total assets | 80.3620% | 4,879 |
| Equity capital to assets | 9.1157% | 5,201 |
| Core capital (leverage) ratio | 9.7453% | 3,721 |
| Tier 1 risk-based capital ratio | 10.4398% | 6,278 |
| Total risk-based capital ratio | 11.4482% | 6,384 |
| Memoranda: | ||
| Average total assets | $261,644,400 | 2,454 |
| Average earning assets | $238,816,000 | 2,464 |
| Average equity | $24,720,600 | 2,665 |
| Average total loans | $206,586,400 | 2,233 |