Home > Tennessee State Bank > Performance and Condition Ratios
Tennessee State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 3,189 |
| Cost of funding earning assets | 0.7806% | 3,785 |
| Net interest margin | 3.6691% | 1,813 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.7566% | 1,613 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3204% | 1,394 |
| Return on assets (ROA) | 1.2414% | 1,534 |
| Pretax return on assets | 1.3944% | 1,650 |
| Return on Equity (ROE) | 19.6400% | 645 |
| Retained earnings to average equity (ytd only) | 6.1282% | 2,195 |
| Net charge-offs to loans | 0.0777% | 1,090 |
| Credit loss provision to net charge-offs | 54.7046% | 2,176 |
| Earnings coverage of net charge-offs (x) | 33.0591% | 1,571 |
| Efficiency ratio | 64.6365% | 2,531 |
| Assets per employee ($millions) | 4.5681% | 3,913 |
| Cash dividends to net income (ytd only)* | 68.7977% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,761 |
| Loan loss allowance to noncurrent loans | 1,707.9518% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,325 |
| Noncurrent loans to loans | 0.0653% | 3,249 |
| Net loans and leases to total assets | 64.3200% | 2,432 |
| Net loans and leases to deposits | 76.6144% | 2,391 |
| Net loans and leases to core deposits | 79.7514% | 2,717 |
| Total domestic deposits to total assets | 83.9500% | 2,637 |
| Equity capital to assets | 7.1166% | 3,896 |
| Core capital (leverage) ratio | 8.2195% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5594% | 2,042 |
| Memoranda: | ||
| Average total assets | $1,001,726,400 | 986 |
| Average earning assets | $943,393,600 | 962 |
| Average equity | $63,313,600 | 1,339 |
| Average total loans | $588,409,400 | 1,105 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 3,227 |
| Cost of funding earning assets | 0.5537% | 3,873 |
| Net interest margin | 3.6778% | 1,856 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.5153% | 2,161 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4680% | 1,173 |
| Return on assets (ROA) | 1.4906% | 1,116 |
| Pretax return on assets | 1.6595% | 1,298 |
| Return on Equity (ROE) | 24.2400% | 412 |
| Retained earnings to average equity (ytd only) | 11.1211% | 1,166 |
| Net charge-offs to loans | 0.0712% | 851 |
| Credit loss provision to net charge-offs | 295.5665% | 873 |
| Earnings coverage of net charge-offs (x) | 43.6749% | 1,355 |
| Efficiency ratio | 58.9290% | 3,082 |
| Assets per employee ($millions) | 4.6765% | 3,841 |
| Cash dividends to net income (ytd only)* | 54.1186% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,813 |
| Loan loss allowance to noncurrent loans | 4,113.9037% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,644 |
| Noncurrent loans to loans | 0.0323% | 3,511 |
| Net loans and leases to total assets | 57.4100% | 3,015 |
| Net loans and leases to deposits | 65.8617% | 3,068 |
| Net loans and leases to core deposits | 68.2710% | 3,221 |
| Total domestic deposits to total assets | 87.1700% | 1,879 |
| Equity capital to assets | 6.3489% | 4,050 |
| Core capital (leverage) ratio | 8.1935% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3092% | 1,784 |
| Memoranda: | ||
| Average total assets | $1,011,507,667 | 965 |
| Average earning assets | $952,534,000 | 939 |
| Average equity | $62,206,000 | 1,350 |
| Average total loans | $570,433,667 | 1,110 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,182 |
| Cost of funding earning assets | 0.4010% | 3,961 |
| Net interest margin | 3.7312% | 1,826 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.9599% | 1,133 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.0607% | 2,348 |
| Return on assets (ROA) | 1.0086% | 2,469 |
| Pretax return on assets | 1.1303% | 2,625 |
| Return on Equity (ROE) | 16.6600% | 1,233 |
| Retained earnings to average equity (ytd only) | 3.6960% | 3,349 |
| Net charge-offs to loans | 0.0728% | 709 |
| Credit loss provision to net charge-offs | 291.2621% | 704 |
| Earnings coverage of net charge-offs (x) | 32.3204% | 1,272 |
| Efficiency ratio | 69.3772% | 1,817 |
| Assets per employee ($millions) | 4.6218% | 3,947 |
| Cash dividends to net income (ytd only)* | 77.8210% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,007 |
| Loan loss allowance to noncurrent loans | 4,356.3953% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,651 |
| Noncurrent loans to loans | 0.0300% | 3,547 |
| Net loans and leases to total assets | 56.4300% | 3,009 |
| Net loans and leases to deposits | 62.3005% | 3,209 |
| Net loans and leases to core deposits | 64.1002% | 3,338 |
| Total domestic deposits to total assets | 90.5800% | 951 |
| Equity capital to assets | 6.3451% | 4,085 |
| Core capital (leverage) ratio | 7.8986% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9480% | 1,988 |
| Memoranda: | ||
| Average total assets | $1,019,215,500 | 970 |
| Average earning assets | $959,587,500 | 947 |
| Average equity | $61,688,500 | 1,367 |
| Average total loans | $565,877,500 | 1,130 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 2,317 |
| Cost of funding earning assets | 0.1410% | 4,171 |
| Net interest margin | 3.6445% | 1,508 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.8227% | 1,274 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.2982% | 1,438 |
| Return on assets (ROA) | 1.2800% | 1,455 |
| Pretax return on assets | 1.3924% | 1,789 |
| Return on Equity (ROE) | 19.3000% | 538 |
| Retained earnings to average equity (ytd only) | 2.1708% | 3,942 |
| Net charge-offs to loans | 0.0495% | 1,178 |
| Credit loss provision to net charge-offs | -135.1351% | 4,588 |
| Earnings coverage of net charge-offs (x) | 54.4710% | 1,309 |
| Efficiency ratio | 67.1953% | 2,063 |
| Assets per employee ($millions) | 4.7500% | 3,855 |
| Cash dividends to net income (ytd only)* | 88.7515% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,541 |
| Loan loss allowance to noncurrent loans | 13,030.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,872 |
| Noncurrent loans to loans | 0.0090% | 3,789 |
| Net loans and leases to total assets | 53.2900% | 3,255 |
| Net loans and leases to deposits | 57.1363% | 3,505 |
| Net loans and leases to core deposits | 58.0697% | 3,612 |
| Total domestic deposits to total assets | 93.2600% | 352 |
| Equity capital to assets | 5.7692% | 4,164 |
| Core capital (leverage) ratio | 7.7163% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3366% | 1,835 |
| Memoranda: | ||
| Average total assets | $1,023,773,400 | 959 |
| Average earning assets | $961,557,000 | 939 |
| Average equity | $67,900,000 | 1,282 |
| Average total loans | $523,471,400 | 1,141 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 2,306 |
| Cost of funding earning assets | 0.1196% | 4,129 |
| Net interest margin | 3.4945% | 1,678 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.7932% | 1,263 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1358% | 1,948 |
| Return on assets (ROA) | 1.1167% | 1,984 |
| Pretax return on assets | 1.2186% | 2,297 |
| Return on Equity (ROE) | 16.3000% | 920 |
| Retained earnings to average equity (ytd only) | 5.9478% | 2,769 |
| Net charge-offs to loans | 0.0487% | 998 |
| Credit loss provision to net charge-offs | 79.7872% | 1,422 |
| Earnings coverage of net charge-offs (x) | 51.2713% | 1,272 |
| Efficiency ratio | 68.9315% | 1,891 |
| Assets per employee ($millions) | 4.7915% | 3,848 |
| Cash dividends to net income (ytd only)* | 63.5088% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,781 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.1500% | 3,519 |
| Net loans and leases to deposits | 52.6697% | 3,689 |
| Net loans and leases to core deposits | 53.4587% | 3,778 |
| Total domestic deposits to total assets | 93.3100% | 497 |
| Equity capital to assets | 5.6468% | 4,088 |
| Core capital (leverage) ratio | 7.8786% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5247% | 1,559 |
| Memoranda: | ||
| Average total assets | $1,020,843,750 | 967 |
| Average earning assets | $958,427,000 | 946 |
| Average equity | $69,940,000 | 1,265 |
| Average total loans | $514,764,250 | 1,151 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 2,067 |
| Cost of funding earning assets | 0.1124% | 4,053 |
| Net interest margin | 3.4093% | 1,573 |
| Noninterest income to average assets | 0.7669% | 1,135 |
| Noninterest expense to average assets | 2.7632% | 1,240 |
| Loan and lease loss provision to assets | 0.0297% | 2,056 |
| Net operating income to assets | 1.0661% | 1,914 |
| Return on assets (ROA) | 1.0436% | 1,973 |
| Pretax return on assets | 1.1462% | 2,252 |
| Return on Equity (ROE) | 14.3588% | 1,027 |
| Retained earnings to average equity (ytd only) | 5.9236% | 2,357 |
| Net charge-offs to loans | 0.0418% | 966 |
| Credit loss provision to net charge-offs | 140.1869% | 1,120 |
| Earnings coverage of net charge-offs (x) | 56.7383% | 1,099 |
| Efficiency ratio | 69.7116% | 2,000 |
| Assets per employee ($millions) | 4.9039% | 3,761 |
| Cash dividends to net income (ytd only)* | 58.7455% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,704 |
| Loan loss allowance to noncurrent loans | 4,594.2308% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,871 |
| Noncurrent loans to loans | 0.0307% | 3,724 |
| Net loans and leases to total assets | 48.1404% | 3,539 |
| Net loans and leases to deposits | 52.0146% | 3,682 |
| Net loans and leases to core deposits | 52.8518% | 3,764 |
| Total domestic deposits to total assets | 92.5516% | 636 |
| Equity capital to assets | 6.4789% | 4,029 |
| Core capital (leverage) ratio | 8.1054% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1019% | 1,411 |
| Memoranda: | ||
| Average total assets | $1,011,346,333 | 967 |
| Average earning assets | $948,337,667 | 961 |
| Average equity | $73,502,000 | 1,248 |
| Average total loans | $512,079,333 | 1,145 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3109% | 2,354 |
| Cost of funding earning assets | 0.0984% | 4,150 |
| Net interest margin | 3.2124% | 1,847 |
| Noninterest income to average assets | 0.7156% | 1,262 |
| Noninterest expense to average assets | 2.6755% | 1,417 |
| Loan and lease loss provision to assets | 0.0602% | 1,329 |
| Net operating income to assets | 0.8744% | 2,390 |
| Return on assets (ROA) | 0.8596% | 2,441 |
| Pretax return on assets | 0.9735% | 2,524 |
| Return on Equity (ROE) | 11.1943% | 1,551 |
| Retained earnings to average equity (ytd only) | 2.3141% | 3,460 |
| Net charge-offs to loans | 0.0568% | 737 |
| Credit loss provision to net charge-offs | 205.4795% | 770 |
| Earnings coverage of net charge-offs (x) | 35.8767% | 1,054 |
| Efficiency ratio | 71.8054% | 2,003 |
| Assets per employee ($millions) | 4.8107% | 3,915 |
| Cash dividends to net income (ytd only)* | 79.3280% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,845 |
| Loan loss allowance to noncurrent loans | 562.1390% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 2,914 |
| Noncurrent loans to loans | 0.2521% | 2,581 |
| Net loans and leases to total assets | 49.5850% | 3,213 |
| Net loans and leases to deposits | 53.9217% | 3,428 |
| Net loans and leases to core deposits | 54.8042% | 3,538 |
| Total domestic deposits to total assets | 91.9575% | 589 |
| Equity capital to assets | 7.1533% | 4,125 |
| Core capital (leverage) ratio | 8.2159% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0707% | 1,497 |
| Memoranda: | ||
| Average total assets | $997,206,500 | 986 |
| Average earning assets | $934,492,000 | 978 |
| Average equity | $76,575,000 | 1,238 |
| Average total loans | $514,295,500 | 1,137 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 1,812 |
| Cost of funding earning assets | 0.1724% | 3,749 |
| Net interest margin | 3.6505% | 1,339 |
| Noninterest income to average assets | 0.8401% | 1,343 |
| Noninterest expense to average assets | 2.6520% | 1,746 |
| Loan and lease loss provision to assets | 0.0644% | 1,776 |
| Net operating income to assets | 1.4655% | 1,091 |
| Return on assets (ROA) | 1.5455% | 961 |
| Pretax return on assets | 1.6308% | 1,336 |
| Return on Equity (ROE) | 17.7018% | 494 |
| Retained earnings to average equity (ytd only) | 5.1891% | 2,715 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2107% | 2,840 |
| Assets per employee ($millions) | 4.8481% | 3,850 |
| Cash dividends to net income (ytd only)* | 70.6863% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,055 |
| Loan loss allowance to noncurrent loans | 539.6970% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,999 |
| Noncurrent loans to loans | 0.2536% | 2,708 |
| Net loans and leases to total assets | 52.1594% | 3,043 |
| Net loans and leases to deposits | 57.3967% | 3,303 |
| Net loans and leases to core deposits | 58.2621% | 3,451 |
| Total domestic deposits to total assets | 90.8752% | 539 |
| Equity capital to assets | 8.2185% | 4,221 |
| Core capital (leverage) ratio | 8.1128% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6900% | 1,617 |
| Memoranda: | ||
| Average total assets | $931,462,600 | 1,018 |
| Average earning assets | $873,360,400 | 1,006 |
| Average equity | $81,325,000 | 1,192 |
| Average total loans | $518,937,600 | 1,132 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 1,668 |
| Cost of funding earning assets | 0.1954% | 3,651 |
| Net interest margin | 3.7416% | 1,245 |
| Noninterest income to average assets | 0.8594% | 1,349 |
| Noninterest expense to average assets | 2.6135% | 1,802 |
| Loan and lease loss provision to assets | 0.0871% | 1,361 |
| Net operating income to assets | 1.5976% | 1,040 |
| Return on assets (ROA) | 1.7099% | 848 |
| Pretax return on assets | 1.7847% | 1,196 |
| Return on Equity (ROE) | 19.2819% | 485 |
| Retained earnings to average equity (ytd only) | 9.4977% | 1,487 |
| Net charge-offs to loans | -0.0170% | 3,901 |
| Credit loss provision to net charge-offs | -909.0909% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8285% | 3,000 |
| Assets per employee ($millions) | 4.7548% | 3,926 |
| Cash dividends to net income (ytd only)* | 50.7430% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,303 |
| Loan loss allowance to noncurrent loans | 504.2076% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,991 |
| Noncurrent loans to loans | 0.2649% | 2,861 |
| Net loans and leases to total assets | 53.1838% | 3,058 |
| Net loans and leases to deposits | 58.6495% | 3,347 |
| Net loans and leases to core deposits | 59.5047% | 3,506 |
| Total domestic deposits to total assets | 90.6807% | 479 |
| Equity capital to assets | 8.4077% | 4,266 |
| Core capital (leverage) ratio | 8.5025% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8544% | 1,662 |
| Memoranda: | ||
| Average total assets | $918,288,750 | 1,040 |
| Average earning assets | $861,168,500 | 1,026 |
| Average equity | $81,435,500 | 1,205 |
| Average total loans | $518,558,250 | 1,151 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 2,866 |
| Cost of funding earning assets | 0.2309% | 3,458 |
| Net interest margin | 3.2782% | 2,521 |
| Noninterest income to average assets | 0.9049% | 1,263 |
| Noninterest expense to average assets | 2.6282% | 1,781 |
| Loan and lease loss provision to assets | 0.1346% | 914 |
| Net operating income to assets | 1.1500% | 2,363 |
| Return on assets (ROA) | 1.3213% | 1,865 |
| Pretax return on assets | 1.3958% | 2,356 |
| Return on Equity (ROE) | 14.6160% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.3477% | 1,963 |
| Net charge-offs to loans | -0.0324% | 4,188 |
| Credit loss provision to net charge-offs | -722.8916% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0652% | 2,141 |
| Assets per employee ($millions) | 4.5452% | 4,071 |
| Cash dividends to net income (ytd only)* | 42.8862% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,176 |
| Loan loss allowance to noncurrent loans | 455.9140% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,962 |
| Noncurrent loans to loans | 0.2967% | 2,867 |
| Net loans and leases to total assets | 55.5978% | 2,952 |
| Net loans and leases to deposits | 61.4940% | 3,253 |
| Net loans and leases to core deposits | 62.3782% | 3,431 |
| Total domestic deposits to total assets | 90.4118% | 596 |
| Equity capital to assets | 8.6330% | 4,103 |
| Core capital (leverage) ratio | 8.7141% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7490% | 1,707 |
| Memoranda: | ||
| Average total assets | $891,549,000 | 1,060 |
| Average earning assets | $835,820,000 | 1,051 |
| Average equity | $80,596,667 | 1,209 |
| Average total loans | $511,999,667 | 1,162 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 2,663 |
| Cost of funding earning assets | 0.2449% | 3,519 |
| Net interest margin | 3.3479% | 2,258 |
| Noninterest income to average assets | 0.7754% | 1,647 |
| Noninterest expense to average assets | 2.6731% | 1,684 |
| Loan and lease loss provision to assets | 0.1388% | 972 |
| Net operating income to assets | 1.0370% | 2,684 |
| Return on assets (ROA) | 1.3884% | 1,681 |
| Pretax return on assets | 1.4739% | 2,063 |
| Return on Equity (ROE) | 14.9888% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.9953% | 1,956 |
| Net charge-offs to loans | -0.0120% | 3,744 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3302% | 1,889 |
| Assets per employee ($millions) | 4.3814% | 4,209 |
| Cash dividends to net income (ytd only)* | 39.9867% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,219 |
| Loan loss allowance to noncurrent loans | 349.1067% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 2,784 |
| Noncurrent loans to loans | 0.3856% | 2,714 |
| Net loans and leases to total assets | 56.0708% | 3,030 |
| Net loans and leases to deposits | 62.2791% | 3,297 |
| Net loans and leases to core deposits | 63.2095% | 3,481 |
| Total domestic deposits to total assets | 90.0314% | 802 |
| Equity capital to assets | 8.9516% | 3,732 |
| Core capital (leverage) ratio | 9.2875% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1323% | 1,529 |
| Memoranda: | ||
| Average total assets | $864,622,500 | 1,079 |
| Average earning assets | $810,072,000 | 1,067 |
| Average equity | $80,086,500 | 1,209 |
| Average total loans | $501,584,000 | 1,185 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,284 |
| Cost of funding earning assets | 0.3663% | 3,783 |
| Net interest margin | 3.7817% | 1,551 |
| Noninterest income to average assets | 0.8396% | 1,418 |
| Noninterest expense to average assets | 3.0193% | 1,394 |
| Loan and lease loss provision to assets | 0.1207% | 2,855 |
| Net operating income to assets | 1.1505% | 1,722 |
| Return on assets (ROA) | 1.3494% | 1,227 |
| Pretax return on assets | 1.4179% | 1,600 |
| Return on Equity (ROE) | 12.7717% | 1,098 |
| Retained earnings to average equity (ytd only) | 3.3186% | 3,166 |
| Net charge-offs to loans | -0.3118% | 4,921 |
| Credit loss provision to net charge-offs | -60.6061% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4324% | 2,029 |
| Assets per employee ($millions) | 4.1359% | 4,264 |
| Cash dividends to net income (ytd only)* | 74.0163% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,329 |
| Loan loss allowance to noncurrent loans | 295.8730% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 2,647 |
| Noncurrent loans to loans | 0.4453% | 2,641 |
| Net loans and leases to total assets | 58.4891% | 3,036 |
| Net loans and leases to deposits | 65.4752% | 3,323 |
| Net loans and leases to core deposits | 66.4676% | 3,505 |
| Total domestic deposits to total assets | 89.3302% | 840 |
| Equity capital to assets | 9.5954% | 3,521 |
| Core capital (leverage) ratio | 9.5477% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1862% | 1,473 |
| Memoranda: | ||
| Average total assets | $745,830,800 | 1,114 |
| Average earning assets | $692,050,400 | 1,112 |
| Average equity | $78,799,000 | 1,171 |
| Average total loans | $476,285,000 | 1,186 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,057 |
| Cost of funding earning assets | 0.3992% | 3,809 |
| Net interest margin | 3.9134% | 1,320 |
| Noninterest income to average assets | 0.8530% | 1,339 |
| Noninterest expense to average assets | 3.0745% | 1,278 |
| Loan and lease loss provision to assets | 0.1659% | 2,340 |
| Net operating income to assets | 1.1678% | 1,751 |
| Return on assets (ROA) | 1.4405% | 1,102 |
| Pretax return on assets | 1.5251% | 1,392 |
| Return on Equity (ROE) | 13.2824% | 1,035 |
| Retained earnings to average equity (ytd only) | 6.9114% | 1,737 |
| Net charge-offs to loans | -0.4555% | 4,969 |
| Credit loss provision to net charge-offs | -55.8659% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6983% | 2,087 |
| Assets per employee ($millions) | 3.9297% | 4,375 |
| Cash dividends to net income (ytd only)* | 47.9657% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,869 |
| Loan loss allowance to noncurrent loans | 276.5073% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,631 |
| Noncurrent loans to loans | 0.4959% | 2,573 |
| Net loans and leases to total assets | 60.5614% | 3,157 |
| Net loans and leases to deposits | 68.3117% | 3,444 |
| Net loans and leases to core deposits | 69.4459% | 3,667 |
| Total domestic deposits to total assets | 88.6545% | 916 |
| Equity capital to assets | 10.3021% | 2,962 |
| Core capital (leverage) ratio | 10.2240% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0288% | 1,241 |
| Memoranda: | ||
| Average total assets | $723,427,000 | 1,127 |
| Average earning assets | $669,649,750 | 1,129 |
| Average equity | $78,457,750 | 1,169 |
| Average total loans | $471,564,000 | 1,190 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 2,098 |
| Cost of funding earning assets | 0.4410% | 3,838 |
| Net interest margin | 3.9991% | 1,325 |
| Noninterest income to average assets | 0.8653% | 1,248 |
| Noninterest expense to average assets | 3.1388% | 1,267 |
| Loan and lease loss provision to assets | 0.1711% | 2,294 |
| Net operating income to assets | 1.1719% | 1,720 |
| Return on assets (ROA) | 1.5931% | 842 |
| Pretax return on assets | 1.6966% | 1,006 |
| Return on Equity (ROE) | 14.4182% | 806 |
| Retained earnings to average equity (ytd only) | 8.3551% | 1,204 |
| Net charge-offs to loans | -0.7069% | 5,014 |
| Credit loss provision to net charge-offs | -36.3416% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8564% | 2,112 |
| Assets per employee ($millions) | 3.7839% | 4,482 |
| Cash dividends to net income (ytd only)* | 42.0516% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 1,980 |
| Loan loss allowance to noncurrent loans | 187.8307% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 1,860 |
| Noncurrent loans to loans | 0.6946% | 2,137 |
| Net loans and leases to total assets | 64.2005% | 2,853 |
| Net loans and leases to deposits | 72.6576% | 3,196 |
| Net loans and leases to core deposits | 74.6669% | 3,406 |
| Total domestic deposits to total assets | 88.3604% | 1,013 |
| Equity capital to assets | 10.6550% | 2,617 |
| Core capital (leverage) ratio | 10.8658% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8398% | 1,288 |
| Memoranda: | ||
| Average total assets | $701,276,667 | 1,141 |
| Average earning assets | $647,643,333 | 1,143 |
| Average equity | $77,485,667 | 1,169 |
| Average total loans | $467,081,667 | 1,180 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,855 |
| Cost of funding earning assets | 0.4909% | 3,981 |
| Net interest margin | 4.1592% | 1,003 |
| Noninterest income to average assets | 0.9588% | 936 |
| Noninterest expense to average assets | 3.3366% | 1,165 |
| Loan and lease loss provision to assets | 0.1777% | 1,671 |
| Net operating income to assets | 1.1980% | 1,521 |
| Return on assets (ROA) | 2.0070% | 290 |
| Pretax return on assets | 2.1480% | 337 |
| Return on Equity (ROE) | 17.8104% | 284 |
| Retained earnings to average equity (ytd only) | 11.7720% | 446 |
| Net charge-offs to loans | 0.1422% | 887 |
| Credit loss provision to net charge-offs | 185.1852% | 1,462 |
| Earnings coverage of net charge-offs (x) | 15.1728% | 1,573 |
| Efficiency ratio | 69.6243% | 2,410 |
| Assets per employee ($millions) | 3.3154% | 4,630 |
| Cash dividends to net income (ytd only)* | 33.9038% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,015 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 1,550 |
| Noncurrent loans to loans | 0.9988% | 1,656 |
| Net loans and leases to total assets | 67.8835% | 2,562 |
| Net loans and leases to deposits | 77.5081% | 2,932 |
| Net loans and leases to core deposits | 79.8060% | 3,214 |
| Total domestic deposits to total assets | 87.5824% | 1,283 |
| Equity capital to assets | 11.4601% | 2,475 |
| Core capital (leverage) ratio | 11.3905% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4815% | 1,479 |
| Memoranda: | ||
| Average total assets | $675,421,000 | 1,149 |
| Average earning assets | $622,517,000 | 1,148 |
| Average equity | $76,113,000 | 1,184 |
| Average total loans | $455,716,500 | 1,171 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 2,482 |
| Cost of funding earning assets | 0.5038% | 4,078 |
| Net interest margin | 4.1420% | 1,445 |
| Noninterest income to average assets | 0.9542% | 1,069 |
| Noninterest expense to average assets | 3.3577% | 1,190 |
| Loan and lease loss provision to assets | 0.1465% | 1,461 |
| Net operating income to assets | 0.8924% | 3,232 |
| Return on assets (ROA) | 1.2574% | 1,926 |
| Pretax return on assets | 1.7148% | 1,155 |
| Return on Equity (ROE) | 11.1715% | 1,819 |
| Retained earnings to average equity (ytd only) | 3.0340% | 3,512 |
| Net charge-offs to loans | 0.3048% | 682 |
| Credit loss provision to net charge-offs | 70.0219% | 2,911 |
| Earnings coverage of net charge-offs (x) | 6.6856% | 2,949 |
| Efficiency ratio | 70.5850% | 2,087 |
| Assets per employee ($millions) | 3.3555% | 4,604 |
| Cash dividends to net income (ytd only)* | 72.8421% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,883 |
| Loan loss allowance to noncurrent loans | 93.4734% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 1,017 |
| Noncurrent loans to loans | 0.9834% | 1,550 |
| Net loans and leases to total assets | 65.8207% | 2,973 |
| Net loans and leases to deposits | 74.8106% | 3,279 |
| Net loans and leases to core deposits | 76.8158% | 3,528 |
| Total domestic deposits to total assets | 87.9831% | 1,133 |
| Equity capital to assets | 11.0792% | 2,920 |
| Core capital (leverage) ratio | 11.0435% | 2,466 |
| Tier 1 risk-based capital ratio | 15.4093% | 2,616 |
| Total risk-based capital ratio | 16.2782% | 2,703 |
| Memoranda: | ||
| Average total assets | $655,070,600 | 1,143 |
| Average earning assets | $601,406,400 | 1,147 |
| Average equity | $73,732,000 | 1,169 |
| Average total loans | $449,868,200 | 1,158 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,790 |
| Cost of funding earning assets | 0.5010% | 4,138 |
| Net interest margin | 4.0788% | 1,677 |
| Noninterest income to average assets | 0.9689% | 1,003 |
| Noninterest expense to average assets | 3.4120% | 1,064 |
| Loan and lease loss provision to assets | 0.1027% | 1,870 |
| Net operating income to assets | 0.7360% | 3,894 |
| Return on assets (ROA) | 1.2286% | 2,173 |
| Pretax return on assets | 1.8187% | 1,041 |
| Return on Equity (ROE) | 10.8712% | 2,069 |
| Retained earnings to average equity (ytd only) | 3.3464% | 3,729 |
| Net charge-offs to loans | 0.3418% | 496 |
| Credit loss provision to net charge-offs | 43.3651% | 2,834 |
| Earnings coverage of net charge-offs (x) | 5.4822% | 2,917 |
| Efficiency ratio | 72.4443% | 1,772 |
| Assets per employee ($millions) | 3.2497% | 4,704 |
| Cash dividends to net income (ytd only)* | 69.2179% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,214 |
| Loan loss allowance to noncurrent loans | 88.1847% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,031 |
| Noncurrent loans to loans | 0.9693% | 1,652 |
| Net loans and leases to total assets | 68.1631% | 2,767 |
| Net loans and leases to deposits | 77.5362% | 3,148 |
| Net loans and leases to core deposits | 79.6013% | 3,421 |
| Total domestic deposits to total assets | 87.9114% | 1,070 |
| Equity capital to assets | 11.3753% | 2,769 |
| Core capital (leverage) ratio | 11.3154% | 2,366 |
| Tier 1 risk-based capital ratio | 15.2849% | 2,720 |
| Total risk-based capital ratio | 16.1009% | 2,845 |
| Memoranda: | ||
| Average total assets | $649,383,250 | 1,146 |
| Average earning assets | $595,578,250 | 1,156 |
| Average equity | $73,390,750 | 1,169 |
| Average total loans | $449,764,000 | 1,161 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,816 |
| Cost of funding earning assets | 0.4910% | 4,157 |
| Net interest margin | 4.0660% | 1,710 |
| Noninterest income to average assets | 0.8941% | 1,086 |
| Noninterest expense to average assets | 3.3886% | 1,125 |
| Loan and lease loss provision to assets | 0.0620% | 2,577 |
| Net operating income to assets | 0.5179% | 4,493 |
| Return on assets (ROA) | 1.2341% | 2,082 |
| Pretax return on assets | 2.0742% | 586 |
| Return on Equity (ROE) | 10.9437% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.3155% | 955 |
| Net charge-offs to loans | 0.4315% | 384 |
| Credit loss provision to net charge-offs | 20.7039% | 2,651 |
| Earnings coverage of net charge-offs (x) | 4.1046% | 2,764 |
| Efficiency ratio | 73.3732% | 1,719 |
| Assets per employee ($millions) | 3.2755% | 4,717 |
| Cash dividends to net income (ytd only)* | 14.8781% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 4,312 |
| Loan loss allowance to noncurrent loans | 87.2924% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3499% | 913 |
| Noncurrent loans to loans | 0.9596% | 1,699 |
| Net loans and leases to total assets | 68.7426% | 2,716 |
| Net loans and leases to deposits | 78.8973% | 3,069 |
| Net loans and leases to core deposits | 81.0678% | 3,336 |
| Total domestic deposits to total assets | 87.1293% | 1,531 |
| Equity capital to assets | 11.7057% | 2,441 |
| Core capital (leverage) ratio | 11.7179% | 2,008 |
| Tier 1 risk-based capital ratio | 15.7860% | 2,510 |
| Total risk-based capital ratio | 16.5882% | 2,619 |
| Memoranda: | ||
| Average total assets | $644,865,670 | 1,157 |
| Average earning assets | $590,653,000 | 1,163 |
| Average equity | $72,717,330 | 1,179 |
| Average total loans | $447,760,670 | 1,168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,675 |
| Cost of funding earning assets | 0.4752% | 4,183 |
| Net interest margin | 4.0819% | 1,602 |
| Noninterest income to average assets | 0.8301% | 1,216 |
| Noninterest expense to average assets | 3.3297% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9352% | 3,109 |
| Return on assets (ROA) | 0.9012% | 3,283 |
| Pretax return on assets | 1.1968% | 2,813 |
| Return on Equity (ROE) | 8.1494% | 3,193 |
| Retained earnings to average equity (ytd only) | 8.1494% | 1,604 |
| Net charge-offs to loans | 0.1885% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 2,027 |
| Efficiency ratio | 72.8675% | 1,898 |
| Assets per employee ($millions) | 3.3370% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,936 |
| Loan loss allowance to noncurrent loans | 85.4163% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 780 |
| Noncurrent loans to loans | 1.1217% | 1,488 |
| Net loans and leases to total assets | 69.2966% | 2,581 |
| Net loans and leases to deposits | 78.9562% | 2,955 |
| Net loans and leases to core deposits | 81.1727% | 3,255 |
| Total domestic deposits to total assets | 87.7660% | 1,451 |
| Equity capital to assets | 11.1679% | 2,688 |
| Core capital (leverage) ratio | 11.5303% | 2,117 |
| Tier 1 risk-based capital ratio | 15.4598% | 2,671 |
| Total risk-based capital ratio | 16.3836% | 2,736 |
| Memoranda: | ||
| Average total assets | $641,385,000 | 1,164 |
| Average earning assets | $587,575,000 | 1,172 |
| Average equity | $70,925,500 | 1,194 |
| Average total loans | $445,707,000 | 1,179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,571 |
| Cost of funding earning assets | 0.3915% | 4,036 |
| Net interest margin | 4.0711% | 1,769 |
| Noninterest income to average assets | 0.8960% | 1,185 |
| Noninterest expense to average assets | 3.3199% | 1,275 |
| Loan and lease loss provision to assets | 0.1407% | 1,531 |
| Net operating income to assets | 1.0392% | 2,848 |
| Return on assets (ROA) | 1.0342% | 2,853 |
| Pretax return on assets | 1.1447% | 3,120 |
| Return on Equity (ROE) | 9.6139% | 2,684 |
| Retained earnings to average equity (ytd only) | 2.1765% | 4,285 |
| Net charge-offs to loans | 0.1177% | 1,570 |
| Credit loss provision to net charge-offs | 169.8113% | 1,641 |
| Earnings coverage of net charge-offs (x) | 15.5849% | 2,316 |
| Efficiency ratio | 72.0019% | 1,896 |
| Assets per employee ($millions) | 3.1611% | 4,879 |
| Cash dividends to net income (ytd only)* | 77.3613% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,456 |
| Loan loss allowance to noncurrent loans | 87.8887% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.7455% | 603 |
| Noncurrent loans to loans | 1.1807% | 1,359 |
| Net loans and leases to total assets | 68.2906% | 2,840 |
| Net loans and leases to deposits | 77.5335% | 3,224 |
| Net loans and leases to core deposits | 79.7629% | 3,448 |
| Total domestic deposits to total assets | 88.0788% | 1,265 |
| Equity capital to assets | 10.9464% | 2,736 |
| Core capital (leverage) ratio | 11.1604% | 2,388 |
| Tier 1 risk-based capital ratio | 15.5167% | 2,612 |
| Total risk-based capital ratio | 16.5083% | 2,650 |
| Memoranda: | ||
| Average total assets | $639,843,400 | 1,132 |
| Average earning assets | $583,848,200 | 1,147 |
| Average equity | $68,827,400 | 1,176 |
| Average total loans | $450,385,000 | 1,143 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,568 |
| Cost of funding earning assets | 0.3698% | 4,050 |
| Net interest margin | 4.0494% | 1,795 |
| Noninterest income to average assets | 0.8830% | 1,243 |
| Noninterest expense to average assets | 3.3297% | 1,237 |
| Loan and lease loss provision to assets | 0.1872% | 962 |
| Net operating income to assets | 1.0424% | 2,902 |
| Return on assets (ROA) | 1.0351% | 2,949 |
| Pretax return on assets | 1.0532% | 3,566 |
| Return on Equity (ROE) | 9.6648% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.0263% | 3,758 |
| Net charge-offs to loans | 0.1094% | 1,394 |
| Credit loss provision to net charge-offs | 241.9355% | 1,209 |
| Earnings coverage of net charge-offs (x) | 16.1263% | 2,182 |
| Efficiency ratio | 72.7393% | 1,772 |
| Assets per employee ($millions) | 3.1515% | 4,925 |
| Cash dividends to net income (ytd only)* | 58.3400% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,576 |
| Loan loss allowance to noncurrent loans | 128.3611% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 796 |
| Noncurrent loans to loans | 0.8036% | 2,103 |
| Net loans and leases to total assets | 70.9435% | 2,507 |
| Net loans and leases to deposits | 80.4553% | 2,991 |
| Net loans and leases to core deposits | 82.8944% | 3,260 |
| Total domestic deposits to total assets | 88.1776% | 1,163 |
| Equity capital to assets | 10.8907% | 2,764 |
| Core capital (leverage) ratio | 11.3061% | 2,329 |
| Tier 1 risk-based capital ratio | 15.1095% | 2,836 |
| Total risk-based capital ratio | 16.0982% | 2,870 |
| Memoranda: | ||
| Average total assets | $640,957,250 | 1,130 |
| Average earning assets | $584,799,500 | 1,143 |
| Average equity | $68,646,250 | 1,175 |
| Average total loans | $453,366,250 | 1,145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,597 |
| Cost of funding earning assets | 0.3373% | 4,153 |
| Net interest margin | 4.0095% | 1,828 |
| Noninterest income to average assets | 0.8842% | 1,227 |
| Noninterest expense to average assets | 3.3085% | 1,298 |
| Loan and lease loss provision to assets | 0.1868% | 950 |
| Net operating income to assets | 1.0287% | 2,899 |
| Return on assets (ROA) | 1.0177% | 2,942 |
| Pretax return on assets | 1.0336% | 3,557 |
| Return on Equity (ROE) | 9.5560% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.7741% | 4,144 |
| Net charge-offs to loans | 0.0592% | 1,758 |
| Credit loss provision to net charge-offs | 447.7612% | 764 |
| Earnings coverage of net charge-offs (x) | 29.5224% | 1,519 |
| Efficiency ratio | 72.8725% | 1,868 |
| Assets per employee ($millions) | 3.1167% | 5,001 |
| Cash dividends to net income (ytd only)* | 70.9697% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,623 |
| Loan loss allowance to noncurrent loans | 117.6247% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 695 |
| Noncurrent loans to loans | 0.8796% | 1,971 |
| Net loans and leases to total assets | 69.5361% | 2,645 |
| Net loans and leases to deposits | 78.7176% | 3,086 |
| Net loans and leases to core deposits | 82.6755% | 3,189 |
| Total domestic deposits to total assets | 88.3362% | 1,205 |
| Equity capital to assets | 10.7593% | 2,878 |
| Core capital (leverage) ratio | 11.1528% | 2,387 |
| Tier 1 risk-based capital ratio | 15.3006% | 2,728 |
| Total risk-based capital ratio | 16.3046% | 2,775 |
| Memoranda: | ||
| Average total assets | $642,408,000 | 1,134 |
| Average earning assets | $585,766,000 | 1,146 |
| Average equity | $68,418,000 | 1,179 |
| Average total loans | $452,376,000 | 1,141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 2,438 |
| Cost of funding earning assets | 0.3135% | 4,242 |
| Net interest margin | 4.0111% | 1,694 |
| Noninterest income to average assets | 0.7924% | 1,483 |
| Noninterest expense to average assets | 3.3297% | 1,296 |
| Loan and lease loss provision to assets | 0.1863% | 912 |
| Net operating income to assets | 0.9148% | 3,228 |
| Return on assets (ROA) | 0.8880% | 3,356 |
| Pretax return on assets | 0.9041% | 3,835 |
| Return on Equity (ROE) | 8.3804% | 3,202 |
| Retained earnings to average equity (ytd only) | -1.9808% | 5,010 |
| Net charge-offs to loans | 0.0115% | 2,334 |
| Credit loss provision to net charge-offs | 2,307.6923% | 158 |
| Earnings coverage of net charge-offs (x) | 138.4615% | 465 |
| Efficiency ratio | 74.8674% | 1,766 |
| Assets per employee ($millions) | 3.2222% | 4,974 |
| Cash dividends to net income (ytd only)* | 123.6364% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 4,053 |
| Loan loss allowance to noncurrent loans | 106.7145% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 546 |
| Noncurrent loans to loans | 0.9207% | 1,976 |
| Net loans and leases to total assets | 70.1907% | 2,455 |
| Net loans and leases to deposits | 79.3820% | 2,880 |
| Net loans and leases to core deposits | 83.2763% | 3,030 |
| Total domestic deposits to total assets | 88.4214% | 1,397 |
| Equity capital to assets | 10.5535% | 3,021 |
| Core capital (leverage) ratio | 10.9894% | 2,450 |
| Tier 1 risk-based capital ratio | 14.7326% | 3,014 |
| Total risk-based capital ratio | 15.6791% | 3,069 |
| Memoranda: | ||
| Average total assets | $644,145,500 | 1,146 |
| Average earning assets | $586,978,000 | 1,151 |
| Average equity | $68,254,500 | 1,192 |
| Average total loans | $454,097,000 | 1,145 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,174 |
| Cost of funding earning assets | 0.3078% | 4,058 |
| Net interest margin | 4.0437% | 1,609 |
| Noninterest income to average assets | 0.5283% | 2,830 |
| Noninterest expense to average assets | 3.2510% | 1,499 |
| Loan and lease loss provision to assets | 0.0384% | 3,499 |
| Net operating income to assets | 0.8415% | 2,992 |
| Return on assets (ROA) | 0.8413% | 3,021 |
| Pretax return on assets | 0.9106% | 3,884 |
| Return on Equity (ROE) | 8.2467% | 2,673 |
| Retained earnings to average equity (ytd only) | 7.6593% | 873 |
| Net charge-offs to loans | 0.2868% | 918 |
| Credit loss provision to net charge-offs | 19.7472% | 3,611 |
| Earnings coverage of net charge-offs (x) | 4.8791% | 3,402 |
| Efficiency ratio | 77.4009% | 1,436 |
| Assets per employee ($millions) | 3.2033% | 5,027 |
| Cash dividends to net income (ytd only)* | 7.1233% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,367 |
| Loan loss allowance to noncurrent loans | 102.6529% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0636% | 532 |
| Noncurrent loans to loans | 0.8974% | 1,984 |
| Net loans and leases to total assets | 69.4626% | 2,605 |
| Net loans and leases to deposits | 78.5918% | 3,050 |
| Net loans and leases to core deposits | 80.6452% | 3,369 |
| Total domestic deposits to total assets | 88.3840% | 1,308 |
| Equity capital to assets | 10.6383% | 3,008 |
| Core capital (leverage) ratio | 10.7195% | 2,625 |
| Tier 1 risk-based capital ratio | 14.6738% | 3,003 |
| Total risk-based capital ratio | 15.5518% | 3,093 |
| Memoranda: | ||
| Average total assets | $650,759,600 | 1,121 |
| Average earning assets | $590,922,800 | 1,131 |
| Average equity | $66,390,000 | 1,203 |
| Average total loans | $441,433,000 | 1,148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,134 |
| Cost of funding earning assets | 0.3087% | 4,048 |
| Net interest margin | 4.0332% | 1,592 |
| Noninterest income to average assets | 0.4571% | 3,295 |
| Noninterest expense to average assets | 3.2174% | 1,521 |
| Loan and lease loss provision to assets | 0.0205% | 3,738 |
| Net operating income to assets | 0.8626% | 3,214 |
| Return on assets (ROA) | 0.8626% | 3,265 |
| Pretax return on assets | 0.8787% | 4,108 |
| Return on Equity (ROE) | 8.5457% | 2,841 |
| Retained earnings to average equity (ytd only) | 7.9579% | 1,239 |
| Net charge-offs to loans | 0.3695% | 568 |
| Credit loss provision to net charge-offs | 8.2305% | 3,236 |
| Earnings coverage of net charge-offs (x) | 3.6173% | 3,316 |
| Efficiency ratio | 78.1571% | 1,315 |
| Assets per employee ($millions) | 3.3844% | 4,874 |
| Cash dividends to net income (ytd only)* | 6.8786% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,537 |
| Loan loss allowance to noncurrent loans | 72.3918% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.4083% | 471 |
| Noncurrent loans to loans | 1.2535% | 1,526 |
| Net loans and leases to total assets | 67.5097% | 2,917 |
| Net loans and leases to deposits | 76.1554% | 3,359 |
| Net loans and leases to core deposits | 79.3692% | 3,503 |
| Total domestic deposits to total assets | 88.6473% | 1,041 |
| Equity capital to assets | 10.3517% | 3,536 |
| Core capital (leverage) ratio | 10.5093% | 2,979 |
| Tier 1 risk-based capital ratio | 14.4416% | 3,217 |
| Total risk-based capital ratio | 15.3006% | 3,332 |
| Memoranda: | ||
| Average total assets | $651,683,250 | 1,122 |
| Average earning assets | $591,304,750 | 1,134 |
| Average equity | $65,778,250 | 1,219 |
| Average total loans | $438,379,500 | 1,161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 1,852 |
| Cost of funding earning assets | 0.3085% | 3,999 |
| Net interest margin | 4.0804% | 1,382 |
| Noninterest income to average assets | 0.4022% | 3,678 |
| Noninterest expense to average assets | 3.2614% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8183% | 3,309 |
| Return on assets (ROA) | 0.8183% | 3,359 |
| Pretax return on assets | 0.8343% | 4,145 |
| Return on Equity (ROE) | 8.1778% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.5926% | 1,317 |
| Net charge-offs to loans | 0.0989% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.5907% | 2,178 |
| Efficiency ratio | 79.6298% | 1,259 |
| Assets per employee ($millions) | 3.3619% | 4,908 |
| Cash dividends to net income (ytd only)* | 7.1563% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,508 |
| Loan loss allowance to noncurrent loans | 85.7586% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.4435% | 457 |
| Noncurrent loans to loans | 1.2984% | 1,479 |
| Net loans and leases to total assets | 67.4617% | 2,885 |
| Net loans and leases to deposits | 75.9759% | 3,351 |
| Net loans and leases to core deposits | 79.9987% | 3,419 |
| Total domestic deposits to total assets | 88.7936% | 1,061 |
| Equity capital to assets | 10.2163% | 3,655 |
| Core capital (leverage) ratio | 10.5004% | 2,915 |
| Tier 1 risk-based capital ratio | 14.1183% | 3,362 |
| Total risk-based capital ratio | 15.1649% | 3,391 |
| Memoranda: | ||
| Average total assets | $648,922,000 | 1,130 |
| Average earning assets | $587,394,670 | 1,144 |
| Average equity | $64,931,670 | 1,232 |
| Average total loans | $434,632,000 | 1,169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 2,956 |
| Cost of funding earning assets | 0.3033% | 4,009 |
| Net interest margin | 3.7182% | 2,427 |
| Noninterest income to average assets | 0.1952% | 5,099 |
| Noninterest expense to average assets | 3.3142% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2156% | 5,375 |
| Return on assets (ROA) | 0.2156% | 5,386 |
| Pretax return on assets | 0.2311% | 5,402 |
| Return on Equity (ROE) | 2.1781% | 5,308 |
| Retained earnings to average equity (ytd only) | 1.6148% | 4,460 |
| Net charge-offs to loans | 0.0915% | 1,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.8061% | 2,447 |
| Efficiency ratio | 93.4813% | 403 |
| Assets per employee ($millions) | 3.3079% | 5,036 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,342 |
| Loan loss allowance to noncurrent loans | 52.5410% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 3.8118% | 207 |
| Noncurrent loans to loans | 2.2155% | 759 |
| Net loans and leases to total assets | 66.4105% | 2,911 |
| Net loans and leases to deposits | 74.4247% | 3,360 |
| Net loans and leases to core deposits | 77.8344% | 3,485 |
| Total domestic deposits to total assets | 89.2319% | 1,040 |
| Equity capital to assets | 9.8606% | 3,919 |
| Core capital (leverage) ratio | 10.2132% | 3,226 |
| Tier 1 risk-based capital ratio | 13.5904% | 3,728 |
| Total risk-based capital ratio | 14.6563% | 3,751 |
| Memoranda: | ||
| Average total assets | $645,593,500 | 1,131 |
| Average earning assets | $581,677,500 | 1,157 |
| Average equity | $63,909,500 | 1,242 |
| Average total loans | $428,325,500 | 1,189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,803 |
| Cost of funding earning assets | 0.4813% | 2,245 |
| Net interest margin | 3.6314% | 2,955 |
| Noninterest income to average assets | 0.5871% | 2,728 |
| Noninterest expense to average assets | 3.4558% | 1,241 |
| Loan and lease loss provision to assets | -0.1888% | 5,776 |
| Net operating income to assets | 0.5914% | 4,251 |
| Return on assets (ROA) | 0.5929% | 4,349 |
| Pretax return on assets | 0.5737% | 4,867 |
| Return on Equity (ROE) | 5.9646% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.5927% | 1,954 |
| Net charge-offs to loans | 0.2390% | 1,167 |
| Credit loss provision to net charge-offs | -120.3611% | 4,921 |
| Earnings coverage of net charge-offs (x) | 2.4443% | 3,826 |
| Efficiency ratio | 90.0139% | 550 |
| Assets per employee ($millions) | 3.1504% | 5,216 |
| Cash dividends to net income (ytd only)* | 6.2351% | 4,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,877 |
| Loan loss allowance to noncurrent loans | 87.0308% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8197% | 208 |
| Noncurrent loans to loans | 1.4251% | 1,426 |
| Net loans and leases to total assets | 64.6711% | 3,265 |
| Net loans and leases to deposits | 72.6185% | 3,646 |
| Net loans and leases to core deposits | 76.7380% | 3,686 |
| Total domestic deposits to total assets | 89.0559% | 1,086 |
| Equity capital to assets | 9.9388% | 3,780 |
| Core capital (leverage) ratio | 10.1482% | 3,307 |
| Tier 1 risk-based capital ratio | 13.8816% | 3,531 |
| Total risk-based capital ratio | 14.9956% | 3,516 |
| Memoranda: | ||
| Average total assets | $635,662,000 | 1,110 |
| Average earning assets | $569,262,400 | 1,138 |
| Average equity | $63,189,800 | 1,240 |
| Average total loans | $417,130,000 | 1,168 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 2,775 |
| Cost of funding earning assets | 0.4930% | 2,146 |
| Net interest margin | 3.6340% | 2,946 |
| Noninterest income to average assets | 0.5836% | 2,743 |
| Noninterest expense to average assets | 3.4348% | 1,277 |
| Loan and lease loss provision to assets | -0.2521% | 5,887 |
| Net operating income to assets | 0.6361% | 4,141 |
| Return on assets (ROA) | 0.6361% | 4,270 |
| Pretax return on assets | 0.6527% | 4,734 |
| Return on Equity (ROE) | 6.3985% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.0857% | 2,135 |
| Net charge-offs to loans | 0.1497% | 1,497 |
| Credit loss provision to net charge-offs | -256.4103% | 4,923 |
| Earnings coverage of net charge-offs (x) | 4.0748% | 3,317 |
| Efficiency ratio | 89.5553% | 588 |
| Assets per employee ($millions) | 3.1339% | 5,258 |
| Cash dividends to net income (ytd only)* | 4.8878% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,383 |
| Loan loss allowance to noncurrent loans | 92.5902% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 3.7148% | 246 |
| Noncurrent loans to loans | 1.4695% | 1,469 |
| Net loans and leases to total assets | 64.5789% | 3,326 |
| Net loans and leases to deposits | 76.0626% | 3,394 |
| Net loans and leases to core deposits | 81.9218% | 3,286 |
| Total domestic deposits to total assets | 84.9023% | 2,849 |
| Equity capital to assets | 10.0869% | 4,048 |
| Core capital (leverage) ratio | 10.2224% | 3,312 |
| Tier 1 risk-based capital ratio | 13.7562% | 3,695 |
| Total risk-based capital ratio | 14.9877% | 3,631 |
| Memoranda: | ||
| Average total assets | $634,694,250 | 1,117 |
| Average earning assets | $567,955,500 | 1,138 |
| Average equity | $63,096,750 | 1,251 |
| Average total loans | $416,715,750 | 1,171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,740 |
| Cost of funding earning assets | 0.4987% | 2,109 |
| Net interest margin | 3.6332% | 2,962 |
| Noninterest income to average assets | 0.6439% | 2,400 |
| Noninterest expense to average assets | 3.4428% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4281% | 4,945 |
| Return on assets (ROA) | 0.4281% | 5,036 |
| Pretax return on assets | 0.4445% | 5,257 |
| Return on Equity (ROE) | 4.3277% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.1134% | 3,286 |
| Net charge-offs to loans | 0.1926% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.5125% | 3,097 |
| Efficiency ratio | 88.5642% | 683 |
| Assets per employee ($millions) | 3.0169% | 5,411 |
| Cash dividends to net income (ytd only)* | 4.9520% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 1,369 |
| Loan loss allowance to noncurrent loans | 78.7009% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 4.6655% | 166 |
| Noncurrent loans to loans | 2.1092% | 924 |
| Net loans and leases to total assets | 65.9993% | 3,084 |
| Net loans and leases to deposits | 77.7256% | 3,183 |
| Net loans and leases to core deposits | 84.5587% | 3,031 |
| Total domestic deposits to total assets | 84.9132% | 2,919 |
| Equity capital to assets | 10.0845% | 4,121 |
| Core capital (leverage) ratio | 9.9532% | 3,619 |
| Tier 1 risk-based capital ratio | 13.4809% | 3,921 |
| Total risk-based capital ratio | 14.7359% | 3,826 |
| Memoranda: | ||
| Average total assets | $632,109,000 | 1,123 |
| Average earning assets | $564,303,670 | 1,151 |
| Average equity | $62,528,000 | 1,265 |
| Average total loans | $415,417,670 | 1,172 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,137 |
| Cost of funding earning assets | 0.4958% | 2,144 |
| Net interest margin | 3.5279% | 3,366 |
| Noninterest income to average assets | 0.7137% | 1,969 |
| Noninterest expense to average assets | 3.3550% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4912% | 4,664 |
| Return on assets (ROA) | 0.4912% | 4,766 |
| Pretax return on assets | 0.5082% | 5,063 |
| Return on Equity (ROE) | 5.0136% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.0136% | 2,931 |
| Net charge-offs to loans | 0.0349% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.3889% | 1,406 |
| Efficiency ratio | 86.8451% | 901 |
| Assets per employee ($millions) | 3.1728% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 1,193 |
| Loan loss allowance to noncurrent loans | 69.1259% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.8880% | 170 |
| Noncurrent loans to loans | 2.5746% | 716 |
| Net loans and leases to total assets | 63.3336% | 3,338 |
| Net loans and leases to deposits | 74.3752% | 3,394 |
| Net loans and leases to core deposits | 83.5016% | 2,980 |
| Total domestic deposits to total assets | 85.1542% | 3,063 |
| Equity capital to assets | 9.7807% | 4,363 |
| Core capital (leverage) ratio | 9.9865% | 3,547 |
| Tier 1 risk-based capital ratio | 13.4263% | 4,027 |
| Total risk-based capital ratio | 14.6831% | 3,947 |
| Memoranda: | ||
| Average total assets | $634,405,500 | 1,116 |
| Average earning assets | $566,339,000 | 1,145 |
| Average equity | $62,151,000 | 1,262 |
| Average total loans | $412,553,000 | 1,176 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,896 |
| Cost of funding earning assets | 0.5190% | 2,002 |
| Net interest margin | 3.5854% | 3,192 |
| Noninterest income to average assets | 0.3182% | 4,619 |
| Noninterest expense to average assets | 3.4812% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0047% | 5,866 |
| Return on assets (ROA) | 0.2098% | 5,616 |
| Pretax return on assets | 0.2265% | 5,652 |
| Return on Equity (ROE) | 2.1162% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.1454% | 5,057 |
| Net charge-offs to loans | 0.1750% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.0532% | 4,265 |
| Efficiency ratio | 99.8298% | 288 |
| Assets per employee ($millions) | 3.0931% | 5,425 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 1,141 |
| Loan loss allowance to noncurrent loans | 59.6193% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 5.2689% | 158 |
| Noncurrent loans to loans | 3.0102% | 533 |
| Net loans and leases to total assets | 64.4128% | 3,210 |
| Net loans and leases to deposits | 75.7235% | 3,290 |
| Net loans and leases to core deposits | 85.1768% | 2,865 |
| Total domestic deposits to total assets | 85.0632% | 3,058 |
| Equity capital to assets | 9.8131% | 4,178 |
| Core capital (leverage) ratio | 9.7817% | 3,798 |
| Tier 1 risk-based capital ratio | 13.1687% | 4,192 |
| Total risk-based capital ratio | 14.4237% | 4,112 |
| Memoranda: | ||
| Average total assets | $623,487,200 | 1,095 |
| Average earning assets | $551,060,600 | 1,143 |
| Average equity | $61,810,000 | 1,218 |
| Average total loans | $397,765,000 | 1,161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 2,929 |
| Cost of funding earning assets | 0.5233% | 2,009 |
| Net interest margin | 3.5780% | 3,248 |
| Noninterest income to average assets | 0.1967% | 5,470 |
| Noninterest expense to average assets | 3.4214% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0659% | 5,980 |
| Return on assets (ROA) | 0.2084% | 5,724 |
| Pretax return on assets | 0.2252% | 5,756 |
| Return on Equity (ROE) | 2.0972% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.0972% | 4,833 |
| Net charge-offs to loans | 0.1265% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.8717% | 4,047 |
| Efficiency ratio | 102.0837% | 258 |
| Assets per employee ($millions) | 3.0261% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 1,023 |
| Loan loss allowance to noncurrent loans | 54.1954% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 5.4453% | 166 |
| Noncurrent loans to loans | 3.5496% | 431 |
| Net loans and leases to total assets | 63.0714% | 3,445 |
| Net loans and leases to deposits | 74.2565% | 3,519 |
| Net loans and leases to core deposits | 90.2229% | 2,442 |
| Total domestic deposits to total assets | 84.9372% | 3,037 |
| Equity capital to assets | 9.9709% | 4,186 |
| Core capital (leverage) ratio | 10.0194% | 3,599 |
| Tier 1 risk-based capital ratio | 13.5287% | 4,126 |
| Total risk-based capital ratio | 14.7852% | 4,050 |
| Memoranda: | ||
| Average total assets | $622,384,750 | 1,104 |
| Average earning assets | $548,783,000 | 1,153 |
| Average equity | $61,858,500 | 1,227 |
| Average total loans | $394,247,000 | 1,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 2,940 |
| Cost of funding earning assets | 0.5281% | 2,001 |
| Net interest margin | 3.5597% | 3,248 |
| Noninterest income to average assets | 0.3402% | 4,522 |
| Noninterest expense to average assets | 3.4418% | 1,390 |
| Loan and lease loss provision to assets | 0.3215% | 440 |
| Net operating income to assets | -0.2597% | 6,127 |
| Return on assets (ROA) | 0.1299% | 5,881 |
| Pretax return on assets | 0.1469% | 5,883 |
| Return on Equity (ROE) | 1.3083% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.3083% | 5,027 |
| Net charge-offs to loans | 0.1357% | 1,683 |
| Credit loss provision to net charge-offs | 375.9398% | 777 |
| Earnings coverage of net charge-offs (x) | 0.3008% | 3,675 |
| Efficiency ratio | 99.2582% | 342 |
| Assets per employee ($millions) | 3.0939% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 688 |
| Loan loss allowance to noncurrent loans | 62.7784% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 6.0283% | 158 |
| Noncurrent loans to loans | 3.5768% | 484 |
| Net loans and leases to total assets | 62.6860% | 3,451 |
| Net loans and leases to deposits | 73.8939% | 3,502 |
| Net loans and leases to core deposits | 90.0414% | 2,345 |
| Total domestic deposits to total assets | 84.8324% | 3,197 |
| Equity capital to assets | 9.9979% | 4,043 |
| Core capital (leverage) ratio | 9.9033% | 3,733 |
| Tier 1 risk-based capital ratio | 13.3338% | 4,327 |
| Total risk-based capital ratio | 14.5943% | 4,245 |
| Memoranda: | ||
| Average total assets | $622,051,670 | 1,112 |
| Average earning assets | $546,501,330 | 1,155 |
| Average equity | $61,759,000 | 1,233 |
| Average total loans | $392,033,000 | 1,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 2,871 |
| Cost of funding earning assets | 0.5318% | 1,993 |
| Net interest margin | 3.5597% | 3,181 |
| Noninterest income to average assets | 0.7460% | 1,936 |
| Noninterest expense to average assets | 3.3824% | 1,523 |
| Loan and lease loss provision to assets | 0.3829% | 319 |
| Net operating income to assets | 0.0912% | 5,893 |
| Return on assets (ROA) | 0.5003% | 4,806 |
| Pretax return on assets | 0.5169% | 5,135 |
| Return on Equity (ROE) | 5.0568% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.0568% | 3,023 |
| Net charge-offs to loans | 0.1164% | 1,589 |
| Credit loss provision to net charge-offs | 526.3158% | 521 |
| Earnings coverage of net charge-offs (x) | 6.5702% | 2,272 |
| Efficiency ratio | 87.6178% | 1,045 |
| Assets per employee ($millions) | 3.1619% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 860 |
| Loan loss allowance to noncurrent loans | 43.0516% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 7.8494% | 105 |
| Noncurrent loans to loans | 4.9815% | 270 |
| Net loans and leases to total assets | 63.1119% | 3,220 |
| Net loans and leases to deposits | 74.4231% | 3,250 |
| Net loans and leases to core deposits | 94.7515% | 1,712 |
| Total domestic deposits to total assets | 84.8016% | 3,514 |
| Equity capital to assets | 10.0854% | 4,041 |
| Core capital (leverage) ratio | 9.9180% | 3,715 |
| Tier 1 risk-based capital ratio | 12.8335% | 4,705 |
| Total risk-based capital ratio | 14.0857% | 4,618 |
| Memoranda: | ||
| Average total assets | $626,779,500 | 1,105 |
| Average earning assets | $548,360,000 | 1,153 |
| Average equity | $62,015,000 | 1,233 |
| Average total loans | $391,633,000 | 1,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,591 |
| Cost of funding earning assets | 0.5566% | 2,159 |
| Net interest margin | 3.4752% | 3,882 |
| Noninterest income to average assets | -0.0106% | 6,411 |
| Noninterest expense to average assets | 3.4434% | 1,618 |
| Loan and lease loss provision to assets | 0.6138% | 226 |
| Net operating income to assets | -1.0317% | 6,387 |
| Return on assets (ROA) | -0.9690% | 6,374 |
| Pretax return on assets | -0.9653% | 6,366 |
| Return on Equity (ROE) | -9.5905% | 6,356 |
| Retained earnings to average equity (ytd only) | -9.5905% | 6,302 |
| Net charge-offs to loans | 1.9058% | 107 |
| Credit loss provision to net charge-offs | 53.5884% | 3,411 |
| Earnings coverage of net charge-offs (x) | -0.3616% | 4,751 |
| Efficiency ratio | 113.6709% | 174 |
| Assets per employee ($millions) | 3.1692% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1081% | 938 |
| Loan loss allowance to noncurrent loans | 35.6368% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 8.2434% | 114 |
| Noncurrent loans to loans | 5.9155% | 201 |
| Net loans and leases to total assets | 59.2406% | 3,890 |
| Net loans and leases to deposits | 70.1966% | 3,886 |
| Net loans and leases to core deposits | 89.6535% | 2,317 |
| Total domestic deposits to total assets | 84.3925% | 3,558 |
| Equity capital to assets | 9.7073% | 4,460 |
| Core capital (leverage) ratio | 9.6472% | 4,038 |
| Tier 1 risk-based capital ratio | 12.9261% | 4,776 |
| Total risk-based capital ratio | 14.1840% | 4,686 |
| Memoranda: | ||
| Average total assets | $643,525,200 | 1,045 |
| Average earning assets | $562,907,800 | 1,080 |
| Average equity | $65,023,000 | 1,131 |
| Average total loans | $386,758,200 | 1,144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,748 |
| Cost of funding earning assets | 0.5570% | 2,222 |
| Net interest margin | 3.4456% | 4,038 |
| Noninterest income to average assets | 0.2568% | 5,383 |
| Noninterest expense to average assets | 3.4730% | 1,522 |
| Loan and lease loss provision to assets | 0.4438% | 359 |
| Net operating income to assets | -0.5715% | 6,387 |
| Return on assets (ROA) | -0.4983% | 6,367 |
| Pretax return on assets | -0.5633% | 6,374 |
| Return on Equity (ROE) | -4.8843% | 6,368 |
| Retained earnings to average equity (ytd only) | -4.8843% | 6,251 |
| Net charge-offs to loans | 2.4440% | 66 |
| Credit loss provision to net charge-offs | 30.2646% | 3,449 |
| Earnings coverage of net charge-offs (x) | -0.1382% | 4,470 |
| Efficiency ratio | 106.1979% | 269 |
| Assets per employee ($millions) | 3.1124% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 1,802 |
| Loan loss allowance to noncurrent loans | 25.0526% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 9.7345% | 95 |
| Noncurrent loans to loans | 7.0152% | 165 |
| Net loans and leases to total assets | 58.5531% | 3,996 |
| Net loans and leases to deposits | 69.2378% | 4,002 |
| Net loans and leases to core deposits | 86.6581% | 2,590 |
| Total domestic deposits to total assets | 84.5681% | 3,515 |
| Equity capital to assets | 10.3665% | 3,717 |
| Core capital (leverage) ratio | 10.1984% | 3,416 |
| Tier 1 risk-based capital ratio | 13.8766% | 4,306 |
| Total risk-based capital ratio | 15.1300% | 4,245 |
| Memoranda: | ||
| Average total assets | $645,949,000 | 1,047 |
| Average earning assets | $564,955,750 | 1,083 |
| Average equity | $65,896,750 | 1,122 |
| Average total loans | $387,555,000 | 1,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,850 |
| Cost of funding earning assets | 0.5525% | 2,325 |
| Net interest margin | 3.4180% | 4,106 |
| Noninterest income to average assets | 0.1223% | 6,189 |
| Noninterest expense to average assets | 3.3842% | 1,714 |
| Loan and lease loss provision to assets | 0.1992% | 1,214 |
| Net operating income to assets | -0.3582% | 6,396 |
| Return on assets (ROA) | -0.3582% | 6,403 |
| Pretax return on assets | -0.4624% | 6,407 |
| Return on Equity (ROE) | -3.5293% | 6,397 |
| Retained earnings to average equity (ytd only) | -3.5293% | 6,138 |
| Net charge-offs to loans | 2.6245% | 77 |
| Credit loss provision to net charge-offs | 12.6214% | 3,278 |
| Earnings coverage of net charge-offs (x) | -0.1668% | 4,145 |
| Efficiency ratio | 108.4331% | 254 |
| Assets per employee ($millions) | 3.2222% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 1,736 |
| Loan loss allowance to noncurrent loans | 20.6234% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 9.8544% | 100 |
| Noncurrent loans to loans | 8.9087% | 99 |
| Net loans and leases to total assets | 57.8039% | 4,016 |
| Net loans and leases to deposits | 68.0822% | 4,040 |
| Net loans and leases to core deposits | 84.3696% | 2,699 |
| Total domestic deposits to total assets | 84.9031% | 3,561 |
| Equity capital to assets | 10.1896% | 3,842 |
| Core capital (leverage) ratio | 10.2676% | 3,246 |
| Tier 1 risk-based capital ratio | 13.9564% | 4,282 |
| Total risk-based capital ratio | 15.2093% | 4,225 |
| Memoranda: | ||
| Average total assets | $652,731,670 | 1,036 |
| Average earning assets | $572,671,000 | 1,072 |
| Average equity | $66,244,670 | 1,102 |
| Average total loans | $392,452,670 | 1,113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 4,032 |
| Cost of funding earning assets | 0.5613% | 2,330 |
| Net interest margin | 3.3502% | 4,336 |
| Noninterest income to average assets | 0.5561% | 3,009 |
| Noninterest expense to average assets | 3.2457% | 2,083 |
| Loan and lease loss provision to assets | 0.1831% | 1,308 |
| Net operating income to assets | 0.0513% | 6,124 |
| Return on assets (ROA) | 0.0513% | 6,144 |
| Pretax return on assets | 0.0714% | 6,123 |
| Return on Equity (ROE) | 0.5063% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.5063% | 5,379 |
| Net charge-offs to loans | 2.3227% | 103 |
| Credit loss provision to net charge-offs | 12.9814% | 2,585 |
| Earnings coverage of net charge-offs (x) | 0.1804% | 3,401 |
| Efficiency ratio | 92.7276% | 829 |
| Assets per employee ($millions) | 3.2814% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4226% | 886 |
| Loan loss allowance to noncurrent loans | 21.9942% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 11.0669% | 92 |
| Noncurrent loans to loans | 11.0146% | 82 |
| Net loans and leases to total assets | 58.5730% | 3,754 |
| Net loans and leases to deposits | 68.9580% | 3,746 |
| Net loans and leases to core deposits | 85.1438% | 2,404 |
| Total domestic deposits to total assets | 84.9400% | 3,902 |
| Equity capital to assets | 10.2095% | 3,587 |
| Core capital (leverage) ratio | 10.4077% | 3,036 |
| Tier 1 risk-based capital ratio | 13.8916% | 4,400 |
| Total risk-based capital ratio | 15.1504% | 4,341 |
| Memoranda: | ||
| Average total assets | $655,266,500 | 1,040 |
| Average earning assets | $575,853,000 | 1,075 |
| Average equity | $66,370,000 | 1,102 |
| Average total loans | $397,988,500 | 1,103 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 3,597 |
| Cost of funding earning assets | 0.6542% | 2,178 |
| Net interest margin | 3.4807% | 3,986 |
| Noninterest income to average assets | 0.3897% | 4,518 |
| Noninterest expense to average assets | 2.9812% | 3,109 |
| Loan and lease loss provision to assets | 0.4015% | 745 |
| Net operating income to assets | 0.1642% | 5,908 |
| Return on assets (ROA) | 0.2351% | 5,797 |
| Pretax return on assets | 0.1706% | 5,988 |
| Return on Equity (ROE) | 2.4674% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.4674% | 4,499 |
| Net charge-offs to loans | 1.2670% | 411 |
| Credit loss provision to net charge-offs | 51.4328% | 3,781 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 4,869 |
| Efficiency ratio | 85.6096% | 1,449 |
| Assets per employee ($millions) | 3.4790% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8483% | 558 |
| Loan loss allowance to noncurrent loans | 29.7569% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 9.7516% | 134 |
| Noncurrent loans to loans | 9.5718% | 124 |
| Net loans and leases to total assets | 59.6917% | 3,773 |
| Net loans and leases to deposits | 70.0622% | 3,775 |
| Net loans and leases to core deposits | 88.1365% | 2,233 |
| Total domestic deposits to total assets | 85.1981% | 3,642 |
| Equity capital to assets | 10.0485% | 3,695 |
| Core capital (leverage) ratio | 10.2395% | 3,234 |
| Tier 1 risk-based capital ratio | 13.7464% | 4,484 |
| Total risk-based capital ratio | 15.0102% | 4,418 |
| Memoranda: | ||
| Average total assets | $697,436,600 | 947 |
| Average earning assets | $619,676,000 | 983 |
| Average equity | $66,467,600 | 1,081 |
| Average total loans | $429,661,800 | 998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,589 |
| Cost of funding earning assets | 0.6679% | 2,195 |
| Net interest margin | 3.4758% | 3,993 |
| Noninterest income to average assets | 0.3093% | 5,230 |
| Noninterest expense to average assets | 2.9679% | 3,085 |
| Loan and lease loss provision to assets | 0.1696% | 2,139 |
| Net operating income to assets | 0.2861% | 5,662 |
| Return on assets (ROA) | 0.3794% | 5,475 |
| Pretax return on assets | 0.3587% | 5,722 |
| Return on Equity (ROE) | 4.0320% | 5,209 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,824 |
| Net charge-offs to loans | 1.3407% | 394 |
| Credit loss provision to net charge-offs | 20.5245% | 4,069 |
| Earnings coverage of net charge-offs (x) | 0.5263% | 4,688 |
| Efficiency ratio | 87.2168% | 1,238 |
| Assets per employee ($millions) | 3.4044% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 862 |
| Loan loss allowance to noncurrent loans | 32.0483% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 8.8623% | 184 |
| Noncurrent loans to loans | 8.0178% | 222 |
| Net loans and leases to total assets | 60.9208% | 3,537 |
| Net loans and leases to deposits | 71.4842% | 3,573 |
| Net loans and leases to core deposits | 90.6916% | 1,904 |
| Total domestic deposits to total assets | 85.2227% | 3,622 |
| Equity capital to assets | 10.0264% | 3,865 |
| Core capital (leverage) ratio | 10.1333% | 3,483 |
| Tier 1 risk-based capital ratio | 13.5869% | 4,700 |
| Total risk-based capital ratio | 14.8481% | 4,650 |
| Memoranda: | ||
| Average total assets | $707,412,750 | 942 |
| Average earning assets | $629,635,500 | 970 |
| Average equity | $66,566,500 | 1,091 |
| Average total loans | $436,077,500 | 977 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,841 |
| Cost of funding earning assets | 0.6841% | 2,190 |
| Net interest margin | 3.3871% | 4,238 |
| Noninterest income to average assets | 0.2590% | 5,602 |
| Noninterest expense to average assets | 2.9249% | 3,256 |
| Loan and lease loss provision to assets | 0.1662% | 2,246 |
| Net operating income to assets | 0.2624% | 5,741 |
| Return on assets (ROA) | 0.4000% | 5,381 |
| Pretax return on assets | 0.3261% | 5,806 |
| Return on Equity (ROE) | 4.3384% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.3384% | 3,513 |
| Net charge-offs to loans | 1.2400% | 459 |
| Credit loss provision to net charge-offs | 21.8420% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.4660% | 4,380 |
| Efficiency ratio | 89.1874% | 1,115 |
| Assets per employee ($millions) | 3.4439% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7790% | 728 |
| Loan loss allowance to noncurrent loans | 28.7572% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 9.8745% | 151 |
| Noncurrent loans to loans | 9.6638% | 173 |
| Net loans and leases to total assets | 60.9747% | 3,489 |
| Net loans and leases to deposits | 71.1103% | 3,570 |
| Net loans and leases to core deposits | 95.0710% | 1,434 |
| Total domestic deposits to total assets | 85.7468% | 3,505 |
| Equity capital to assets | 9.5956% | 4,457 |
| Core capital (leverage) ratio | 9.4866% | 4,267 |
| Tier 1 risk-based capital ratio | 12.9744% | 5,162 |
| Total risk-based capital ratio | 14.2455% | 5,086 |
| Memoranda: | ||
| Average total assets | $721,934,000 | 924 |
| Average earning assets | $643,796,330 | 947 |
| Average equity | $66,568,670 | 1,084 |
| Average total loans | $443,074,000 | 962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,944 |
| Cost of funding earning assets | 0.7087% | 2,133 |
| Net interest margin | 3.3340% | 4,385 |
| Noninterest income to average assets | 0.3596% | 4,792 |
| Noninterest expense to average assets | 2.8251% | 3,613 |
| Loan and lease loss provision to assets | 0.1625% | 2,238 |
| Net operating income to assets | 0.3459% | 5,371 |
| Return on assets (ROA) | 0.6028% | 4,355 |
| Pretax return on assets | 0.6126% | 4,902 |
| Return on Equity (ROE) | 6.6640% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.6640% | 2,337 |
| Net charge-offs to loans | 1.1065% | 545 |
| Credit loss provision to net charge-offs | 24.1741% | 2,975 |
| Earnings coverage of net charge-offs (x) | 0.7631% | 3,578 |
| Efficiency ratio | 84.6341% | 1,687 |
| Assets per employee ($millions) | 3.8406% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0008% | 658 |
| Loan loss allowance to noncurrent loans | 28.7997% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 10.0002% | 192 |
| Noncurrent loans to loans | 10.4195% | 196 |
| Net loans and leases to total assets | 58.5219% | 3,695 |
| Net loans and leases to deposits | 67.6771% | 3,809 |
| Net loans and leases to core deposits | 85.6291% | 2,146 |
| Total domestic deposits to total assets | 86.4723% | 3,256 |
| Equity capital to assets | 9.2063% | 5,246 |
| Core capital (leverage) ratio | 9.1245% | 4,680 |
| Tier 1 risk-based capital ratio | 12.5606% | 5,548 |
| Total risk-based capital ratio | 13.8324% | 5,472 |
| Memoranda: | ||
| Average total assets | $738,512,500 | 916 |
| Average earning assets | $659,757,500 | 923 |
| Average equity | $66,807,000 | 1,096 |
| Average total loans | $448,618,500 | 955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 3,717 |
| Cost of funding earning assets | 0.9023% | 1,919 |
| Net interest margin | 3.5219% | 4,407 |
| Noninterest income to average assets | 0.4226% | 4,434 |
| Noninterest expense to average assets | 2.8004% | 4,020 |
| Loan and lease loss provision to assets | 0.1212% | 4,098 |
| Net operating income to assets | 0.4404% | 4,924 |
| Return on assets (ROA) | 0.7026% | 3,978 |
| Pretax return on assets | 1.0147% | 3,499 |
| Return on Equity (ROE) | 8.0184% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.0184% | 1,118 |
| Net charge-offs to loans | 0.5186% | 2,169 |
| Credit loss provision to net charge-offs | 36.9610% | 4,990 |
| Earnings coverage of net charge-offs (x) | 2.3047% | 4,262 |
| Efficiency ratio | 78.7416% | 2,318 |
| Assets per employee ($millions) | 4.0615% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0966% | 605 |
| Loan loss allowance to noncurrent loans | 33.8979% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 9.5095% | 240 |
| Noncurrent loans to loans | 9.1351% | 281 |
| Net loans and leases to total assets | 59.2568% | 3,733 |
| Net loans and leases to deposits | 68.2239% | 3,949 |
| Net loans and leases to core deposits | 88.6046% | 2,018 |
| Total domestic deposits to total assets | 86.8563% | 2,906 |
| Equity capital to assets | 8.8898% | 5,646 |
| Core capital (leverage) ratio | 8.8656% | 5,075 |
| Tier 1 risk-based capital ratio | 12.0849% | 5,731 |
| Total risk-based capital ratio | 13.3599% | 5,677 |
| Memoranda: | ||
| Average total assets | $742,281,600 | 897 |
| Average earning assets | $660,501,600 | 911 |
| Average equity | $65,037,800 | 1,089 |
| Average total loans | $469,514,600 | 873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 3,669 |
| Cost of funding earning assets | 0.9391% | 1,923 |
| Net interest margin | 3.5537% | 4,425 |
| Noninterest income to average assets | 0.6488% | 3,002 |
| Noninterest expense to average assets | 2.8364% | 3,853 |
| Loan and lease loss provision to assets | 0.0540% | 5,069 |
| Net operating income to assets | 0.6298% | 4,239 |
| Return on assets (ROA) | 0.9799% | 2,836 |
| Pretax return on assets | 1.4250% | 2,158 |
| Return on Equity (ROE) | 11.2248% | 1,878 |
| Retained earnings to average equity (ytd only) | 11.2248% | 646 |
| Net charge-offs to loans | 0.5631% | 1,925 |
| Credit loss provision to net charge-offs | 15.0301% | 5,017 |
| Earnings coverage of net charge-offs (x) | 2.7054% | 3,951 |
| Efficiency ratio | 74.4850% | 2,904 |
| Assets per employee ($millions) | 3.8805% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0225% | 697 |
| Loan loss allowance to noncurrent loans | 31.1255% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 10.4956% | 216 |
| Noncurrent loans to loans | 9.7105% | 261 |
| Net loans and leases to total assets | 61.2040% | 3,531 |
| Net loans and leases to deposits | 70.7450% | 3,795 |
| Net loans and leases to core deposits | 92.4011% | 1,739 |
| Total domestic deposits to total assets | 86.5135% | 2,974 |
| Equity capital to assets | 9.1279% | 5,676 |
| Core capital (leverage) ratio | 8.9673% | 5,111 |
| Tier 1 risk-based capital ratio | 12.1418% | 5,857 |
| Total risk-based capital ratio | 13.4181% | 5,814 |
| Memoranda: | ||
| Average total assets | $741,022,750 | 905 |
| Average earning assets | $658,750,750 | 923 |
| Average equity | $64,688,500 | 1,103 |
| Average total loans | $472,646,500 | 875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 3,574 |
| Cost of funding earning assets | 0.9670% | 1,954 |
| Net interest margin | 3.5805% | 4,344 |
| Noninterest income to average assets | 0.8083% | 2,144 |
| Noninterest expense to average assets | 2.8334% | 3,893 |
| Loan and lease loss provision to assets | 0.0807% | 4,589 |
| Net operating income to assets | 0.7572% | 3,566 |
| Return on assets (ROA) | 1.2881% | 1,625 |
| Pretax return on assets | 1.8366% | 971 |
| Return on Equity (ROE) | 14.9805% | 943 |
| Retained earnings to average equity (ytd only) | 14.9805% | 283 |
| Net charge-offs to loans | 0.3093% | 2,793 |
| Credit loss provision to net charge-offs | 40.7609% | 4,244 |
| Earnings coverage of net charge-offs (x) | 5.8533% | 2,742 |
| Efficiency ratio | 70.9743% | 3,604 |
| Assets per employee ($millions) | 3.9701% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2537% | 616 |
| Loan loss allowance to noncurrent loans | 35.1253% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 10.0858% | 256 |
| Noncurrent loans to loans | 9.2632% | 312 |
| Net loans and leases to total assets | 60.4316% | 3,746 |
| Net loans and leases to deposits | 69.5889% | 3,954 |
| Net loans and leases to core deposits | 90.2586% | 1,958 |
| Total domestic deposits to total assets | 86.8409% | 2,868 |
| Equity capital to assets | 8.8035% | 5,908 |
| Core capital (leverage) ratio | 8.6999% | 5,382 |
| Tier 1 risk-based capital ratio | 11.9897% | 5,944 |
| Total risk-based capital ratio | 13.2661% | 5,901 |
| Memoranda: | ||
| Average total assets | $743,559,330 | 906 |
| Average earning assets | $661,198,670 | 921 |
| Average equity | $63,936,330 | 1,108 |
| Average total loans | $475,906,000 | 868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 3,384 |
| Cost of funding earning assets | 1.0014% | 1,975 |
| Net interest margin | 3.6233% | 4,164 |
| Noninterest income to average assets | 1.2451% | 915 |
| Noninterest expense to average assets | 2.9156% | 3,558 |
| Loan and lease loss provision to assets | 0.1621% | 3,361 |
| Net operating income to assets | 0.9857% | 2,533 |
| Return on assets (ROA) | 2.0525% | 443 |
| Pretax return on assets | 2.9118% | 202 |
| Return on Equity (ROE) | 24.1617% | 211 |
| Retained earnings to average equity (ytd only) | 24.1617% | 107 |
| Net charge-offs to loans | 0.5839% | 1,635 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 4.0971% | 2,663 |
| Efficiency ratio | 65.2911% | 4,685 |
| Assets per employee ($millions) | 4.0627% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2211% | 669 |
| Loan loss allowance to noncurrent loans | 34.6127% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 10.1198% | 290 |
| Noncurrent loans to loans | 9.3061% | 348 |
| Net loans and leases to total assets | 60.4521% | 3,569 |
| Net loans and leases to deposits | 69.3818% | 3,820 |
| Net loans and leases to core deposits | 90.0952% | 1,846 |
| Total domestic deposits to total assets | 87.1297% | 2,881 |
| Equity capital to assets | 8.5227% | 6,064 |
| Core capital (leverage) ratio | 8.7432% | 5,221 |
| Tier 1 risk-based capital ratio | 11.7641% | 6,115 |
| Total risk-based capital ratio | 13.0389% | 6,076 |
| Memoranda: | ||
| Average total assets | $740,168,000 | 908 |
| Average earning assets | $657,852,500 | 926 |
| Average equity | $62,876,500 | 1,128 |
| Average total loans | $479,512,000 | 860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 3,395 |
| Cost of funding earning assets | 1.1891% | 2,097 |
| Net interest margin | 3.7034% | 4,282 |
| Noninterest income to average assets | 0.3850% | 4,744 |
| Noninterest expense to average assets | 2.7098% | 4,708 |
| Loan and lease loss provision to assets | 0.9059% | 1,059 |
| Net operating income to assets | 0.1949% | 5,605 |
| Return on assets (ROA) | 0.2170% | 5,676 |
| Pretax return on assets | 0.0961% | 5,975 |
| Return on Equity (ROE) | 2.8311% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.8311% | 4,224 |
| Net charge-offs to loans | 0.9565% | 1,806 |
| Credit loss provision to net charge-offs | 140.3326% | 2,101 |
| Earnings coverage of net charge-offs (x) | 1.5179% | 4,640 |
| Efficiency ratio | 73.4432% | 3,315 |
| Assets per employee ($millions) | 3.8127% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2378% | 658 |
| Loan loss allowance to noncurrent loans | 41.2052% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 9.8058% | 346 |
| Noncurrent loans to loans | 7.8578% | 519 |
| Net loans and leases to total assets | 65.0535% | 2,974 |
| Net loans and leases to deposits | 74.8059% | 3,372 |
| Net loans and leases to core deposits | 99.0657% | 1,255 |
| Total domestic deposits to total assets | 86.9630% | 2,786 |
| Equity capital to assets | 8.4655% | 6,186 |
| Core capital (leverage) ratio | 8.3469% | 5,784 |
| Tier 1 risk-based capital ratio | 10.8416% | 6,538 |
| Total risk-based capital ratio | 12.1168% | 6,504 |
| Memoranda: | ||
| Average total assets | $745,112,200 | 882 |
| Average earning assets | $664,867,800 | 894 |
| Average equity | $57,115,400 | 1,191 |
| Average total loans | $502,879,000 | 828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 3,684 |
| Cost of funding earning assets | 1.2291% | 2,134 |
| Net interest margin | 3.6402% | 4,616 |
| Noninterest income to average assets | 0.4375% | 4,379 |
| Noninterest expense to average assets | 2.7891% | 4,382 |
| Loan and lease loss provision to assets | 1.1093% | 737 |
| Net operating income to assets | -0.2018% | 6,387 |
| Return on assets (ROA) | -0.1736% | 6,434 |
| Pretax return on assets | -0.1778% | 6,394 |
| Return on Equity (ROE) | -2.3226% | 6,506 |
| Retained earnings to average equity (ytd only) | -2.3226% | 6,335 |
| Net charge-offs to loans | 1.1994% | 1,307 |
| Credit loss provision to net charge-offs | 136.9113% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.1141% | 4,793 |
| Efficiency ratio | 75.5493% | 2,909 |
| Assets per employee ($millions) | 3.8752% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1314% | 773 |
| Loan loss allowance to noncurrent loans | 43.9267% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 9.1901% | 418 |
| Noncurrent loans to loans | 7.1287% | 691 |
| Net loans and leases to total assets | 64.4923% | 3,205 |
| Net loans and leases to deposits | 73.5625% | 3,713 |
| Net loans and leases to core deposits | 96.0906% | 1,602 |
| Total domestic deposits to total assets | 87.6701% | 2,255 |
| Equity capital to assets | 7.9093% | 6,750 |
| Core capital (leverage) ratio | 7.8212% | 6,545 |
| Tier 1 risk-based capital ratio | 10.2817% | 6,867 |
| Total risk-based capital ratio | 11.5556% | 6,843 |
| Memoranda: | ||
| Average total assets | $751,239,250 | 884 |
| Average earning assets | $671,599,500 | 889 |
| Average equity | $56,143,500 | 1,209 |
| Average total loans | $507,482,750 | 836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 4,032 |
| Cost of funding earning assets | 1.2726% | 2,103 |
| Net interest margin | 3.5424% | 4,955 |
| Noninterest income to average assets | 0.3237% | 5,303 |
| Noninterest expense to average assets | 2.6768% | 4,912 |
| Loan and lease loss provision to assets | 1.5366% | 458 |
| Net operating income to assets | -0.7062% | 6,820 |
| Return on assets (ROA) | -0.6642% | 6,803 |
| Pretax return on assets | -0.6771% | 6,753 |
| Return on Equity (ROE) | -9.0597% | 6,904 |
| Retained earnings to average equity (ytd only) | -9.0597% | 6,830 |
| Net charge-offs to loans | 1.5918% | 922 |
| Credit loss provision to net charge-offs | 142.2266% | 2,145 |
| Earnings coverage of net charge-offs (x) | 0.7558% | 4,735 |
| Efficiency ratio | 76.6267% | 2,915 |
| Assets per employee ($millions) | 3.7980% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0773% | 832 |
| Loan loss allowance to noncurrent loans | 34.2008% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 10.2745% | 374 |
| Noncurrent loans to loans | 8.9977% | 463 |
| Net loans and leases to total assets | 65.7811% | 3,073 |
| Net loans and leases to deposits | 74.8254% | 3,671 |
| Net loans and leases to core deposits | 98.9104% | 1,438 |
| Total domestic deposits to total assets | 87.9128% | 2,194 |
| Equity capital to assets | 7.5353% | 6,931 |
| Core capital (leverage) ratio | 7.4420% | 6,782 |
| Tier 1 risk-based capital ratio | 9.6784% | 7,066 |
| Total risk-based capital ratio | 10.9489% | 7,062 |
| Memoranda: | ||
| Average total assets | $754,929,330 | 884 |
| Average earning assets | $675,483,670 | 899 |
| Average equity | $55,344,000 | 1,214 |
| Average total loans | $512,382,670 | 841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 4,395 |
| Cost of funding earning assets | 1.2976% | 2,183 |
| Net interest margin | 3.4266% | 5,317 |
| Noninterest income to average assets | 0.2771% | 5,688 |
| Noninterest expense to average assets | 2.5818% | 5,290 |
| Loan and lease loss provision to assets | 2.8081% | 171 |
| Net operating income to assets | -2.0643% | 7,292 |
| Return on assets (ROA) | -2.0339% | 7,284 |
| Pretax return on assets | -2.0082% | 7,254 |
| Return on Equity (ROE) | -28.1243% | 7,305 |
| Retained earnings to average equity (ytd only) | -28.1243% | 7,273 |
| Net charge-offs to loans | 2.1475% | 578 |
| Credit loss provision to net charge-offs | 192.6539% | 1,535 |
| Earnings coverage of net charge-offs (x) | 0.5279% | 4,225 |
| Efficiency ratio | 77.0399% | 2,981 |
| Assets per employee ($millions) | 4.0057% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1791% | 780 |
| Loan loss allowance to noncurrent loans | 38.9875% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 9.4289% | 448 |
| Noncurrent loans to loans | 8.1542% | 596 |
| Net loans and leases to total assets | 65.3015% | 3,179 |
| Net loans and leases to deposits | 73.7256% | 3,801 |
| Net loans and leases to core deposits | 98.2118% | 1,504 |
| Total domestic deposits to total assets | 88.5738% | 2,032 |
| Equity capital to assets | 7.0095% | 7,079 |
| Core capital (leverage) ratio | 7.0910% | 6,962 |
| Tier 1 risk-based capital ratio | 9.2065% | 7,197 |
| Total risk-based capital ratio | 10.4758% | 7,197 |
| Memoranda: | ||
| Average total assets | $762,089,500 | 884 |
| Average earning assets | $683,712,000 | 895 |
| Average equity | $55,112,500 | 1,199 |
| Average total loans | $517,249,500 | 840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 4,631 |
| Cost of funding earning assets | 1.5772% | 2,203 |
| Net interest margin | 3.4072% | 5,601 |
| Noninterest income to average assets | 0.5821% | 3,580 |
| Noninterest expense to average assets | 2.6814% | 5,077 |
| Loan and lease loss provision to assets | 0.8741% | 1,870 |
| Net operating income to assets | 0.1094% | 5,566 |
| Return on assets (ROA) | 0.1497% | 5,599 |
| Pretax return on assets | 0.1657% | 5,564 |
| Return on Equity (ROE) | 1.9778% | 5,384 |
| Retained earnings to average equity (ytd only) | -1.1548% | 5,828 |
| Net charge-offs to loans | 1.0195% | 2,157 |
| Credit loss provision to net charge-offs | 124.1492% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.4133% | 4,703 |
| Efficiency ratio | 72.9342% | 3,608 |
| Assets per employee ($millions) | 3.9953% | 3,796 |
| Cash dividends to net income (ytd only)* | 158.3904% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 1,245 |
| Loan loss allowance to noncurrent loans | 32.2835% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 9.0065% | 502 |
| Noncurrent loans to loans | 8.1697% | 624 |
| Net loans and leases to total assets | 66.4969% | 3,355 |
| Net loans and leases to deposits | 75.5030% | 3,917 |
| Net loans and leases to core deposits | 102.8973% | 1,394 |
| Total domestic deposits to total assets | 88.0719% | 2,208 |
| Equity capital to assets | 7.4534% | 6,906 |
| Core capital (leverage) ratio | 7.2800% | 6,854 |
| Tier 1 risk-based capital ratio | 9.6965% | 7,080 |
| Total risk-based capital ratio | 10.9619% | 7,080 |
| Memoranda: | ||
| Average total assets | $780,444,800 | 869 |
| Average earning assets | $708,790,200 | 868 |
| Average equity | $59,055,600 | 1,128 |
| Average total loans | $539,004,600 | 840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0164% | 4,736 |
| Cost of funding earning assets | 1.5882% | 2,455 |
| Net interest margin | 3.4282% | 5,579 |
| Noninterest income to average assets | 0.6060% | 3,402 |
| Noninterest expense to average assets | 2.6476% | 5,120 |
| Loan and lease loss provision to assets | 0.4332% | 3,315 |
| Net operating income to assets | 0.6018% | 3,875 |
| Return on assets (ROA) | 0.6570% | 3,782 |
| Pretax return on assets | 0.7049% | 4,213 |
| Return on Equity (ROE) | 8.6508% | 2,629 |
| Retained earnings to average equity (ytd only) | 4.5122% | 3,335 |
| Net charge-offs to loans | 0.4710% | 3,392 |
| Credit loss provision to net charge-offs | 132.8125% | 3,041 |
| Earnings coverage of net charge-offs (x) | 3.3073% | 3,497 |
| Efficiency ratio | 71.0495% | 3,873 |
| Assets per employee ($millions) | 4.1932% | 3,458 |
| Cash dividends to net income (ytd only)* | 47.8408% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4396% | 1,415 |
| Loan loss allowance to noncurrent loans | 25.1916% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 9.2162% | 477 |
| Noncurrent loans to loans | 9.6841% | 455 |
| Net loans and leases to total assets | 65.1569% | 3,877 |
| Net loans and leases to deposits | 75.0213% | 4,338 |
| Net loans and leases to core deposits | 108.9780% | 1,095 |
| Total domestic deposits to total assets | 86.8511% | 2,612 |
| Equity capital to assets | 7.6119% | 7,051 |
| Core capital (leverage) ratio | 7.6099% | 6,758 |
| Tier 1 risk-based capital ratio | 10.0859% | 7,020 |
| Total risk-based capital ratio | 11.3516% | 6,992 |
| Memoranda: | ||
| Average total assets | $784,781,750 | 863 |
| Average earning assets | $714,334,750 | 860 |
| Average equity | $59,600,250 | 1,116 |
| Average total loans | $543,460,250 | 833 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 4,522 |
| Cost of funding earning assets | 1.6153% | 2,577 |
| Net interest margin | 3.4717% | 5,360 |
| Noninterest income to average assets | 0.6089% | 3,272 |
| Noninterest expense to average assets | 2.6638% | 5,063 |
| Loan and lease loss provision to assets | 0.4234% | 3,209 |
| Net operating income to assets | 0.6425% | 3,660 |
| Return on assets (ROA) | 0.7267% | 3,450 |
| Pretax return on assets | 0.7714% | 3,982 |
| Return on Equity (ROE) | 9.5763% | 2,248 |
| Retained earnings to average equity (ytd only) | 3.3206% | 3,997 |
| Net charge-offs to loans | 0.4338% | 3,254 |
| Credit loss provision to net charge-offs | 139.2405% | 2,880 |
| Earnings coverage of net charge-offs (x) | 3.6346% | 3,233 |
| Efficiency ratio | 70.6767% | 4,038 |
| Assets per employee ($millions) | 4.1066% | 3,570 |
| Cash dividends to net income (ytd only)* | 65.3249% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3937% | 1,435 |
| Loan loss allowance to noncurrent loans | 26.3439% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 8.7071% | 521 |
| Noncurrent loans to loans | 9.0863% | 521 |
| Net loans and leases to total assets | 65.9438% | 3,849 |
| Net loans and leases to deposits | 75.9289% | 4,352 |
| Net loans and leases to core deposits | 119.9594% | 693 |
| Total domestic deposits to total assets | 86.8494% | 2,622 |
| Equity capital to assets | 7.5456% | 7,085 |
| Core capital (leverage) ratio | 7.6293% | 6,698 |
| Tier 1 risk-based capital ratio | 9.8999% | 7,081 |
| Total risk-based capital ratio | 11.1639% | 7,047 |
| Memoranda: | ||
| Average total assets | $779,410,670 | 873 |
| Average earning assets | $709,458,670 | 870 |
| Average equity | $59,146,000 | 1,117 |
| Average total loans | $546,318,000 | 840 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 4,019 |
| Cost of funding earning assets | 1.6596% | 2,602 |
| Net interest margin | 3.5398% | 4,992 |
| Noninterest income to average assets | 0.5786% | 3,426 |
| Noninterest expense to average assets | 2.6560% | 5,122 |
| Loan and lease loss provision to assets | 0.3892% | 3,028 |
| Net operating income to assets | 0.6750% | 3,550 |
| Return on assets (ROA) | 0.7909% | 3,121 |
| Pretax return on assets | 0.8859% | 3,517 |
| Return on Equity (ROE) | 10.3918% | 1,989 |
| Retained earnings to average equity (ytd only) | 0.8455% | 5,478 |
| Net charge-offs to loans | 0.5364% | 2,459 |
| Credit loss provision to net charge-offs | 101.6260% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.9892% | 3,057 |
| Efficiency ratio | 69.8798% | 4,327 |
| Assets per employee ($millions) | 4.0144% | 3,833 |
| Cash dividends to net income (ytd only)* | 91.8635% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2705% | 1,624 |
| Loan loss allowance to noncurrent loans | 25.6860% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 8.6367% | 538 |
| Noncurrent loans to loans | 8.8396% | 562 |
| Net loans and leases to total assets | 68.7028% | 3,231 |
| Net loans and leases to deposits | 79.1915% | 3,805 |
| Net loans and leases to core deposits | 129.0549% | 513 |
| Total domestic deposits to total assets | 86.7553% | 2,764 |
| Equity capital to assets | 7.5268% | 7,052 |
| Core capital (leverage) ratio | 7.5486% | 6,802 |
| Tier 1 risk-based capital ratio | 9.9591% | 7,060 |
| Total risk-based capital ratio | 11.2206% | 7,035 |
| Memoranda: | ||
| Average total assets | $770,772,500 | 899 |
| Average earning assets | $701,625,500 | 896 |
| Average equity | $58,661,500 | 1,134 |
| Average total loans | $550,352,000 | 855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 2,069 |
| Cost of funding earning assets | 2.1781% | 2,122 |
| Net interest margin | 3.7658% | 3,850 |
| Noninterest income to average assets | 1.2414% | 978 |
| Noninterest expense to average assets | 2.9680% | 4,270 |
| Loan and lease loss provision to assets | 1.0799% | 2,116 |
| Net operating income to assets | 0.5499% | 3,528 |
| Return on assets (ROA) | 0.6731% | 3,097 |
| Pretax return on assets | 0.7605% | 3,376 |
| Return on Equity (ROE) | 8.6679% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.3520% | 618 |
| Net charge-offs to loans | 0.9182% | 2,552 |
| Credit loss provision to net charge-offs | 156.0442% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.4593% | 3,893 |
| Efficiency ratio | 63.5557% | 5,857 |
| Assets per employee ($millions) | 3.8915% | 4,041 |
| Cash dividends to net income (ytd only)* | 3.6447% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,575 |
| Loan loss allowance to noncurrent loans | 51.8582% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 5.5797% | 1,048 |
| Noncurrent loans to loans | 4.3289% | 1,663 |
| Net loans and leases to total assets | 70.9013% | 3,031 |
| Net loans and leases to deposits | 82.1212% | 3,597 |
| Net loans and leases to core deposits | 114.9696% | 2,417 |
| Total domestic deposits to total assets | 86.3375% | 2,850 |
| Equity capital to assets | 7.6964% | 6,862 |
| Core capital (leverage) ratio | 7.6294% | 6,644 |
| Tier 1 risk-based capital ratio | 9.7816% | 7,035 |
| Total risk-based capital ratio | 11.0438% | 7,010 |
| Memoranda: | ||
| Average total assets | $745,918,000 | 918 |
| Average earning assets | $679,111,200 | 912 |
| Average equity | $57,926,400 | 1,141 |
| Average total loans | $562,177,400 | 853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 1,648 |
| Cost of funding earning assets | 2.2795% | 2,070 |
| Net interest margin | 3.8226% | 3,565 |
| Noninterest income to average assets | 1.4392% | 719 |
| Noninterest expense to average assets | 3.1402% | 3,499 |
| Loan and lease loss provision to assets | 0.5492% | 3,189 |
| Net operating income to assets | 1.1310% | 1,634 |
| Return on assets (ROA) | 1.3018% | 1,285 |
| Pretax return on assets | 1.4165% | 1,650 |
| Return on Equity (ROE) | 16.7251% | 577 |
| Retained earnings to average equity (ytd only) | 16.4318% | 115 |
| Net charge-offs to loans | 0.6626% | 2,707 |
| Credit loss provision to net charge-offs | 108.9127% | 4,666 |
| Earnings coverage of net charge-offs (x) | 3.5301% | 3,493 |
| Efficiency ratio | 63.8230% | 5,788 |
| Assets per employee ($millions) | 3.8095% | 4,168 |
| Cash dividends to net income (ytd only)* | 1.7537% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,473 |
| Loan loss allowance to noncurrent loans | 47.7041% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 5.0923% | 1,148 |
| Noncurrent loans to loans | 3.6507% | 2,049 |
| Net loans and leases to total assets | 72.0336% | 3,031 |
| Net loans and leases to deposits | 83.6500% | 3,702 |
| Net loans and leases to core deposits | 116.3476% | 2,590 |
| Total domestic deposits to total assets | 86.1131% | 2,643 |
| Equity capital to assets | 8.0405% | 6,814 |
| Core capital (leverage) ratio | 8.1034% | 6,178 |
| Tier 1 risk-based capital ratio | 10.0462% | 6,933 |
| Total risk-based capital ratio | 11.3009% | 6,877 |
| Memoranda: | ||
| Average total assets | $741,711,750 | 928 |
| Average earning assets | $675,447,500 | 930 |
| Average equity | $57,732,000 | 1,161 |
| Average total loans | $564,418,250 | 863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2040% | 1,440 |
| Cost of funding earning assets | 2.3886% | 2,010 |
| Net interest margin | 3.8154% | 3,484 |
| Noninterest income to average assets | 1.7778% | 464 |
| Noninterest expense to average assets | 3.2013% | 3,336 |
| Loan and lease loss provision to assets | 0.5452% | 2,840 |
| Net operating income to assets | 1.3821% | 1,066 |
| Return on assets (ROA) | 1.4741% | 953 |
| Pretax return on assets | 1.6064% | 1,189 |
| Return on Equity (ROE) | 19.1591% | 392 |
| Retained earnings to average equity (ytd only) | 18.9465% | 90 |
| Net charge-offs to loans | 0.5330% | 2,728 |
| Credit loss provision to net charge-offs | 132.7140% | 3,520 |
| Earnings coverage of net charge-offs (x) | 4.9940% | 2,937 |
| Efficiency ratio | 60.9445% | 6,405 |
| Assets per employee ($millions) | 3.4595% | 4,927 |
| Cash dividends to net income (ytd only)* | 1.1095% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,156 |
| Loan loss allowance to noncurrent loans | 30.6870% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 5.7228% | 865 |
| Noncurrent loans to loans | 5.7285% | 983 |
| Net loans and leases to total assets | 74.9300% | 2,455 |
| Net loans and leases to deposits | 87.3961% | 3,282 |
| Net loans and leases to core deposits | 124.8514% | 1,953 |
| Total domestic deposits to total assets | 85.7361% | 2,912 |
| Equity capital to assets | 7.9222% | 6,841 |
| Core capital (leverage) ratio | 8.0621% | 6,228 |
| Tier 1 risk-based capital ratio | 9.7129% | 7,221 |
| Total risk-based capital ratio | 10.9680% | 7,161 |
| Memoranda: | ||
| Average total assets | $733,712,670 | 950 |
| Average earning assets | $668,245,000 | 953 |
| Average equity | $56,453,670 | 1,193 |
| Average total loans | $565,443,000 | 884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2629% | 1,403 |
| Cost of funding earning assets | 2.4673% | 2,041 |
| Net interest margin | 3.7956% | 3,459 |
| Noninterest income to average assets | 0.9640% | 1,591 |
| Noninterest expense to average assets | 3.0132% | 3,706 |
| Loan and lease loss provision to assets | 0.7703% | 1,673 |
| Net operating income to assets | 0.5617% | 4,177 |
| Return on assets (ROA) | 0.7428% | 3,559 |
| Pretax return on assets | 0.8408% | 3,928 |
| Return on Equity (ROE) | 9.8037% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.3680% | 1,382 |
| Net charge-offs to loans | 0.7614% | 1,682 |
| Credit loss provision to net charge-offs | 130.5970% | 3,065 |
| Earnings coverage of net charge-offs (x) | 2.3825% | 3,540 |
| Efficiency ratio | 68.1943% | 4,925 |
| Assets per employee ($millions) | 3.3688% | 5,158 |
| Cash dividends to net income (ytd only)* | 4.4444% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 1,983 |
| Loan loss allowance to noncurrent loans | 80.3621% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 3.2848% | 1,674 |
| Noncurrent loans to loans | 2.1751% | 3,015 |
| Net loans and leases to total assets | 74.3950% | 2,653 |
| Net loans and leases to deposits | 86.6129% | 3,534 |
| Net loans and leases to core deposits | 123.6544% | 2,103 |
| Total domestic deposits to total assets | 85.8937% | 2,778 |
| Equity capital to assets | 7.4826% | 7,364 |
| Core capital (leverage) ratio | 7.5485% | 7,096 |
| Tier 1 risk-based capital ratio | 9.0382% | 7,773 |
| Total risk-based capital ratio | 10.2929% | 7,793 |
| Memoranda: | ||
| Average total assets | $726,943,000 | 963 |
| Average earning assets | $661,606,500 | 968 |
| Average equity | $55,081,000 | 1,235 |
| Average total loans | $563,197,000 | 891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0415% | 1,024 |
| Cost of funding earning assets | 3.0591% | 1,644 |
| Net interest margin | 3.9823% | 3,206 |
| Noninterest income to average assets | 1.2628% | 922 |
| Noninterest expense to average assets | 3.1339% | 3,569 |
| Loan and lease loss provision to assets | 1.3513% | 1,043 |
| Net operating income to assets | 0.3689% | 5,275 |
| Return on assets (ROA) | 0.4051% | 4,946 |
| Pretax return on assets | 0.4414% | 5,153 |
| Return on Equity (ROE) | 4.7479% | 4,499 |
| Retained earnings to average equity (ytd only) | -4.4967% | 6,417 |
| Net charge-offs to loans | 0.9036% | 1,374 |
| Credit loss provision to net charge-offs | 190.2766% | 2,596 |
| Earnings coverage of net charge-offs (x) | 2.4690% | 4,839 |
| Efficiency ratio | 64.1230% | 5,531 |
| Assets per employee ($millions) | 3.2690% | 5,292 |
| Cash dividends to net income (ytd only)* | 194.7098% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,932 |
| Loan loss allowance to noncurrent loans | 59.1163% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.7519% | 1,150 |
| Noncurrent loans to loans | 2.8639% | 1,887 |
| Net loans and leases to total assets | 77.9750% | 2,145 |
| Net loans and leases to deposits | 93.1681% | 2,934 |
| Net loans and leases to core deposits | 139.0810% | 1,315 |
| Total domestic deposits to total assets | 83.6928% | 3,481 |
| Equity capital to assets | 7.6762% | 7,230 |
| Core capital (leverage) ratio | 7.5840% | 7,095 |
| Tier 1 risk-based capital ratio | 8.8068% | 7,906 |
| Total risk-based capital ratio | 10.0607% | 7,950 |
| Memoranda: | ||
| Average total assets | $671,942,600 | 992 |
| Average earning assets | $611,578,200 | 990 |
| Average equity | $57,330,800 | 1,167 |
| Average total loans | $528,112,600 | 898 |