Home > 1st Summit Bank > Performance and Condition Ratios
1st Summit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 4,049 |
| Cost of funding earning assets | 1.9269% | 1,026 |
| Net interest margin | 2.0039% | 4,409 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.1879% | 3,160 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.2853% | 4,050 |
| Return on assets (ROA) | 0.2884% | 4,049 |
| Pretax return on assets | 0.2485% | 4,142 |
| Return on Equity (ROE) | 4.1200% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.1190% | 4,021 |
| Net charge-offs to loans | 0.0796% | 1,069 |
| Credit loss provision to net charge-offs | 118.0438% | 1,693 |
| Earnings coverage of net charge-offs (x) | 6.7504% | 2,449 |
| Efficiency ratio | 88.0293% | 484 |
| Assets per employee ($millions) | 6.3937% | 2,484 |
| Cash dividends to net income (ytd only)* | 97.1134% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,148 |
| Loan loss allowance to noncurrent loans | 103.9213% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 935 |
| Noncurrent loans to loans | 0.9934% | 746 |
| Net loans and leases to total assets | 55.4000% | 3,242 |
| Net loans and leases to deposits | 63.5389% | 3,311 |
| Net loans and leases to core deposits | 69.7011% | 3,325 |
| Total domestic deposits to total assets | 87.2000% | 1,614 |
| Equity capital to assets | 7.1324% | 3,887 |
| Core capital (leverage) ratio | 9.0251% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2591% | 1,216 |
| Memoranda: | ||
| Average total assets | $1,345,447,400 | 776 |
| Average earning assets | $1,270,307,400 | 757 |
| Average equity | $94,099,600 | 994 |
| Average total loans | $744,970,600 | 910 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,015 |
| Cost of funding earning assets | 1.7886% | 1,028 |
| Net interest margin | 2.0996% | 4,408 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.1746% | 3,143 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.3835% | 3,992 |
| Return on assets (ROA) | 0.3367% | 4,077 |
| Pretax return on assets | 0.3112% | 4,158 |
| Return on Equity (ROE) | 4.8400% | 3,836 |
| Retained earnings to average equity (ytd only) | 0.8013% | 3,986 |
| Net charge-offs to loans | 0.0610% | 1,054 |
| Credit loss provision to net charge-offs | 163.4218% | 1,260 |
| Earnings coverage of net charge-offs (x) | 12.2596% | 2,075 |
| Efficiency ratio | 84.0356% | 612 |
| Assets per employee ($millions) | 6.3647% | 2,438 |
| Cash dividends to net income (ytd only)* | 83.4367% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,105 |
| Loan loss allowance to noncurrent loans | 105.6821% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 985 |
| Noncurrent loans to loans | 0.9963% | 808 |
| Net loans and leases to total assets | 56.1000% | 3,194 |
| Net loans and leases to deposits | 63.8391% | 3,280 |
| Net loans and leases to core deposits | 70.1076% | 3,205 |
| Total domestic deposits to total assets | 87.8800% | 1,618 |
| Equity capital to assets | 6.2703% | 3,903 |
| Core capital (leverage) ratio | 9.0790% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4199% | 1,219 |
| Memoranda: | ||
| Average total assets | $1,341,343,000 | 783 |
| Average earning assets | $1,267,210,500 | 756 |
| Average equity | $93,341,000 | 994 |
| Average total loans | $740,610,500 | 916 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 3,985 |
| Cost of funding earning assets | 1.6107% | 1,035 |
| Net interest margin | 2.2180% | 4,408 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.1487% | 3,220 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5140% | 3,778 |
| Return on assets (ROA) | 0.4566% | 3,907 |
| Pretax return on assets | 0.4730% | 4,012 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 2.4472% | 3,611 |
| Net charge-offs to loans | 0.0378% | 1,149 |
| Credit loss provision to net charge-offs | 245.3237% | 965 |
| Earnings coverage of net charge-offs (x) | 28.1583% | 1,582 |
| Efficiency ratio | 78.6610% | 953 |
| Assets per employee ($millions) | 6.2559% | 2,501 |
| Cash dividends to net income (ytd only)* | 61.4808% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,150 |
| Loan loss allowance to noncurrent loans | 116.7179% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 1,009 |
| Noncurrent loans to loans | 0.9060% | 846 |
| Net loans and leases to total assets | 55.1600% | 3,178 |
| Net loans and leases to deposits | 64.5461% | 3,160 |
| Net loans and leases to core deposits | 71.0016% | 3,063 |
| Total domestic deposits to total assets | 85.4500% | 2,410 |
| Equity capital to assets | 7.0135% | 3,790 |
| Core capital (leverage) ratio | 9.1655% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5052% | 1,215 |
| Memoranda: | ||
| Average total assets | $1,342,931,333 | 765 |
| Average earning assets | $1,270,233,000 | 745 |
| Average equity | $96,519,000 | 961 |
| Average total loans | $734,879,333 | 909 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 3,911 |
| Cost of funding earning assets | 1.4051% | 1,011 |
| Net interest margin | 2.3632% | 4,414 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.1408% | 3,277 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6666% | 3,536 |
| Return on assets (ROA) | 0.5883% | 3,679 |
| Pretax return on assets | 0.6107% | 3,825 |
| Return on Equity (ROE) | 8.0900% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,207 |
| Net charge-offs to loans | 0.0474% | 889 |
| Credit loss provision to net charge-offs | 174.4186% | 883 |
| Earnings coverage of net charge-offs (x) | 28.6860% | 1,325 |
| Efficiency ratio | 74.3875% | 1,299 |
| Assets per employee ($millions) | 6.3039% | 2,498 |
| Cash dividends to net income (ytd only)* | 47.8415% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,160 |
| Loan loss allowance to noncurrent loans | 188.3542% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,484 |
| Noncurrent loans to loans | 0.5724% | 1,300 |
| Net loans and leases to total assets | 53.7500% | 3,218 |
| Net loans and leases to deposits | 62.3582% | 3,206 |
| Net loans and leases to core deposits | 68.2247% | 3,079 |
| Total domestic deposits to total assets | 86.1900% | 2,537 |
| Equity capital to assets | 7.4314% | 3,598 |
| Core capital (leverage) ratio | 9.1976% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8138% | 1,186 |
| Memoranda: | ||
| Average total assets | $1,338,761,000 | 783 |
| Average earning assets | $1,267,102,000 | 762 |
| Average equity | $97,393,000 | 966 |
| Average total loans | $725,672,500 | 931 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 3,241 |
| Cost of funding earning assets | 0.5952% | 919 |
| Net interest margin | 2.8436% | 3,803 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.1185% | 3,239 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9398% | 2,816 |
| Return on assets (ROA) | 0.9286% | 2,793 |
| Pretax return on assets | 1.0649% | 2,876 |
| Return on Equity (ROE) | 12.1900% | 2,080 |
| Retained earnings to average equity (ytd only) | 7.4786% | 2,034 |
| Net charge-offs to loans | 0.0300% | 1,470 |
| Credit loss provision to net charge-offs | 117.5355% | 1,473 |
| Earnings coverage of net charge-offs (x) | 68.6919% | 1,171 |
| Efficiency ratio | 65.8917% | 2,243 |
| Assets per employee ($millions) | 6.3259% | 2,488 |
| Cash dividends to net income (ytd only)* | 38.6621% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,336 |
| Loan loss allowance to noncurrent loans | 189.5844% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 1,546 |
| Noncurrent loans to loans | 0.5309% | 1,386 |
| Net loans and leases to total assets | 53.5300% | 3,239 |
| Net loans and leases to deposits | 61.7992% | 3,214 |
| Net loans and leases to core deposits | 67.1942% | 3,057 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 7.1189% | 3,607 |
| Core capital (leverage) ratio | 9.1498% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7058% | 1,188 |
| Memoranda: | ||
| Average total assets | $1,321,682,200 | 776 |
| Average earning assets | $1,255,132,600 | 755 |
| Average equity | $100,661,000 | 942 |
| Average total loans | $702,269,800 | 906 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 3,108 |
| Cost of funding earning assets | 0.4647% | 912 |
| Net interest margin | 2.8628% | 3,588 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.0861% | 3,246 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9741% | 2,573 |
| Return on assets (ROA) | 0.9460% | 2,648 |
| Pretax return on assets | 1.0880% | 2,760 |
| Return on Equity (ROE) | 12.2200% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.2446% | 2,282 |
| Net charge-offs to loans | 0.0080% | 1,845 |
| Credit loss provision to net charge-offs | 590.4762% | 559 |
| Earnings coverage of net charge-offs (x) | 269.3571% | 514 |
| Efficiency ratio | 64.5538% | 2,474 |
| Assets per employee ($millions) | 6.2945% | 2,497 |
| Cash dividends to net income (ytd only)* | 40.7043% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,357 |
| Loan loss allowance to noncurrent loans | 303.2900% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,152 |
| Noncurrent loans to loans | 0.3391% | 2,015 |
| Net loans and leases to total assets | 53.8600% | 3,117 |
| Net loans and leases to deposits | 60.1897% | 3,183 |
| Net loans and leases to core deposits | 65.0816% | 3,017 |
| Total domestic deposits to total assets | 89.4800% | 1,881 |
| Equity capital to assets | 6.3349% | 3,830 |
| Core capital (leverage) ratio | 9.0327% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4288% | 1,308 |
| Memoranda: | ||
| Average total assets | $1,316,831,500 | 785 |
| Average earning assets | $1,251,843,000 | 763 |
| Average equity | $101,958,750 | 949 |
| Average total loans | $696,530,250 | 906 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 3,009 |
| Cost of funding earning assets | 0.3732% | 1,092 |
| Net interest margin | 2.8372% | 3,320 |
| Noninterest income to average assets | 0.4943% | 2,232 |
| Noninterest expense to average assets | 2.0586% | 3,265 |
| Loan and lease loss provision to assets | 0.0270% | 2,109 |
| Net operating income to assets | 0.9683% | 2,275 |
| Return on assets (ROA) | 0.9324% | 2,413 |
| Pretax return on assets | 1.0722% | 2,504 |
| Return on Equity (ROE) | 11.3430% | 1,878 |
| Retained earnings to average equity (ytd only) | 6.0334% | 2,326 |
| Net charge-offs to loans | 0.0023% | 2,012 |
| Credit loss provision to net charge-offs | 2,212.5000% | 228 |
| Earnings coverage of net charge-offs (x) | 934.3750% | 139 |
| Efficiency ratio | 64.3521% | 2,725 |
| Assets per employee ($millions) | 6.2324% | 2,539 |
| Cash dividends to net income (ytd only)* | 46.8096% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,381 |
| Loan loss allowance to noncurrent loans | 375.0631% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,674 |
| Noncurrent loans to loans | 0.2799% | 2,344 |
| Net loans and leases to total assets | 52.7613% | 3,086 |
| Net loans and leases to deposits | 60.2015% | 3,033 |
| Net loans and leases to core deposits | 63.7172% | 2,992 |
| Total domestic deposits to total assets | 87.6411% | 2,715 |
| Equity capital to assets | 7.0653% | 3,730 |
| Core capital (leverage) ratio | 9.1115% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6886% | 1,259 |
| Memoranda: | ||
| Average total assets | $1,310,964,000 | 785 |
| Average earning assets | $1,249,748,333 | 768 |
| Average equity | $107,766,667 | 919 |
| Average total loans | $686,659,000 | 906 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1260% | 2,888 |
| Cost of funding earning assets | 0.3732% | 1,036 |
| Net interest margin | 2.7528% | 3,272 |
| Noninterest income to average assets | 0.4710% | 2,294 |
| Noninterest expense to average assets | 2.0269% | 3,363 |
| Loan and lease loss provision to assets | 0.0325% | 1,783 |
| Net operating income to assets | 0.9116% | 2,239 |
| Return on assets (ROA) | 0.8889% | 2,318 |
| Pretax return on assets | 1.0133% | 2,394 |
| Return on Equity (ROE) | 10.0912% | 1,933 |
| Retained earnings to average equity (ytd only) | 5.1449% | 2,537 |
| Net charge-offs to loans | 0.0189% | 1,150 |
| Credit loss provision to net charge-offs | 331.2500% | 640 |
| Earnings coverage of net charge-offs (x) | 109.0625% | 649 |
| Efficiency ratio | 65.4147% | 2,846 |
| Assets per employee ($millions) | 6.3176% | 2,536 |
| Cash dividends to net income (ytd only)* | 49.0155% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,432 |
| Loan loss allowance to noncurrent loans | 209.5714% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 2,063 |
| Noncurrent loans to loans | 0.5135% | 1,736 |
| Net loans and leases to total assets | 51.8075% | 3,002 |
| Net loans and leases to deposits | 58.4776% | 3,034 |
| Net loans and leases to core deposits | 61.3476% | 3,037 |
| Total domestic deposits to total assets | 88.5937% | 2,256 |
| Equity capital to assets | 8.1621% | 3,439 |
| Core capital (leverage) ratio | 9.1696% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1451% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,302,692,000 | 800 |
| Average earning assets | $1,243,386,000 | 782 |
| Average equity | $114,754,000 | 892 |
| Average total loans | $676,068,500 | 911 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1472% | 3,588 |
| Cost of funding earning assets | 0.5093% | 892 |
| Net interest margin | 2.6380% | 3,982 |
| Noninterest income to average assets | 0.4708% | 2,723 |
| Noninterest expense to average assets | 1.9601% | 3,796 |
| Loan and lease loss provision to assets | 0.1264% | 971 |
| Net operating income to assets | 0.8030% | 3,323 |
| Return on assets (ROA) | 0.8428% | 3,275 |
| Pretax return on assets | 0.9571% | 3,366 |
| Return on Equity (ROE) | 8.8793% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.6655% | 2,940 |
| Net charge-offs to loans | 0.0867% | 941 |
| Credit loss provision to net charge-offs | 285.5888% | 1,097 |
| Earnings coverage of net charge-offs (x) | 23.4517% | 1,776 |
| Efficiency ratio | 65.3708% | 2,353 |
| Assets per employee ($millions) | 6.2690% | 2,512 |
| Cash dividends to net income (ytd only)* | 47.4564% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,426 |
| Loan loss allowance to noncurrent loans | 206.8072% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,198 |
| Noncurrent loans to loans | 0.5236% | 1,821 |
| Net loans and leases to total assets | 50.8685% | 3,186 |
| Net loans and leases to deposits | 58.1879% | 3,237 |
| Net loans and leases to core deposits | 61.2878% | 3,219 |
| Total domestic deposits to total assets | 87.4212% | 2,326 |
| Equity capital to assets | 9.4547% | 3,179 |
| Core capital (leverage) ratio | 9.1514% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5512% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,285,150,200 | 775 |
| Average earning assets | $1,231,364,800 | 755 |
| Average equity | $121,980,600 | 851 |
| Average total loans | $656,523,800 | 928 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 3,680 |
| Cost of funding earning assets | 0.5382% | 883 |
| Net interest margin | 2.6217% | 4,105 |
| Noninterest income to average assets | 0.4712% | 2,749 |
| Noninterest expense to average assets | 1.8995% | 3,947 |
| Loan and lease loss provision to assets | 0.1093% | 1,106 |
| Net operating income to assets | 0.8513% | 3,383 |
| Return on assets (ROA) | 0.8884% | 3,355 |
| Pretax return on assets | 1.0190% | 3,396 |
| Return on Equity (ROE) | 9.3508% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.2738% | 3,109 |
| Net charge-offs to loans | 0.0502% | 1,166 |
| Credit loss provision to net charge-offs | 426.8293% | 833 |
| Earnings coverage of net charge-offs (x) | 42.3821% | 1,331 |
| Efficiency ratio | 63.6319% | 2,446 |
| Assets per employee ($millions) | 6.1712% | 2,530 |
| Cash dividends to net income (ytd only)* | 43.6006% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,584 |
| Loan loss allowance to noncurrent loans | 308.2234% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,938 |
| Noncurrent loans to loans | 0.3467% | 2,537 |
| Net loans and leases to total assets | 50.0703% | 3,405 |
| Net loans and leases to deposits | 57.3933% | 3,456 |
| Net loans and leases to core deposits | 60.6020% | 3,434 |
| Total domestic deposits to total assets | 87.2406% | 2,248 |
| Equity capital to assets | 9.5325% | 3,340 |
| Core capital (leverage) ratio | 9.0524% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0746% | 1,117 |
| Memoranda: | ||
| Average total assets | $1,280,447,500 | 789 |
| Average earning assets | $1,227,802,750 | 767 |
| Average equity | $121,654,500 | 865 |
| Average total loans | $653,013,000 | 946 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 3,760 |
| Cost of funding earning assets | 0.5755% | 839 |
| Net interest margin | 2.5794% | 4,199 |
| Noninterest income to average assets | 0.4608% | 2,798 |
| Noninterest expense to average assets | 1.8548% | 4,066 |
| Loan and lease loss provision to assets | 0.1059% | 1,184 |
| Net operating income to assets | 0.8495% | 3,370 |
| Return on assets (ROA) | 0.9030% | 3,290 |
| Pretax return on assets | 1.0351% | 3,362 |
| Return on Equity (ROE) | 9.5152% | 2,941 |
| Retained earnings to average equity (ytd only) | 5.6962% | 2,922 |
| Net charge-offs to loans | 0.0531% | 1,089 |
| Credit loss provision to net charge-offs | 390.1734% | 770 |
| Earnings coverage of net charge-offs (x) | 39.7861% | 1,168 |
| Efficiency ratio | 63.2122% | 2,536 |
| Assets per employee ($millions) | 6.4379% | 2,213 |
| Cash dividends to net income (ytd only)* | 40.1355% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,767 |
| Loan loss allowance to noncurrent loans | 308.2261% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 3,145 |
| Noncurrent loans to loans | 0.3296% | 2,728 |
| Net loans and leases to total assets | 49.9980% | 3,557 |
| Net loans and leases to deposits | 57.7356% | 3,568 |
| Net loans and leases to core deposits | 62.2523% | 3,440 |
| Total domestic deposits to total assets | 86.5981% | 2,504 |
| Equity capital to assets | 9.3585% | 3,461 |
| Core capital (leverage) ratio | 9.0072% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9084% | 1,146 |
| Memoranda: | ||
| Average total assets | $1,275,279,667 | 787 |
| Average earning assets | $1,222,929,667 | 765 |
| Average equity | $121,027,000 | 860 |
| Average total loans | $652,052,333 | 950 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2502% | 3,574 |
| Cost of funding earning assets | 0.6267% | 771 |
| Net interest margin | 2.6236% | 4,103 |
| Noninterest income to average assets | 0.4338% | 2,905 |
| Noninterest expense to average assets | 1.8541% | 4,099 |
| Loan and lease loss provision to assets | 0.1112% | 1,250 |
| Net operating income to assets | 0.8569% | 3,249 |
| Return on assets (ROA) | 0.9610% | 3,023 |
| Pretax return on assets | 1.1052% | 3,097 |
| Return on Equity (ROE) | 10.0542% | 2,674 |
| Retained earnings to average equity (ytd only) | 5.3992% | 3,094 |
| Net charge-offs to loans | 0.0191% | 1,353 |
| Credit loss provision to net charge-offs | 1,129.0323% | 387 |
| Earnings coverage of net charge-offs (x) | 111.3871% | 573 |
| Efficiency ratio | 62.8350% | 2,630 |
| Assets per employee ($millions) | 6.5340% | 2,150 |
| Cash dividends to net income (ytd only)* | 46.2987% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,856 |
| Loan loss allowance to noncurrent loans | 274.2329% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,230 |
| Noncurrent loans to loans | 0.3629% | 2,781 |
| Net loans and leases to total assets | 50.6728% | 3,568 |
| Net loans and leases to deposits | 58.3898% | 3,608 |
| Net loans and leases to core deposits | 63.2936% | 3,475 |
| Total domestic deposits to total assets | 86.7837% | 2,401 |
| Equity capital to assets | 9.3553% | 3,327 |
| Core capital (leverage) ratio | 9.0829% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0938% | 1,059 |
| Memoranda: | ||
| Average total assets | $1,259,477,000 | 789 |
| Average earning assets | $1,208,281,000 | 762 |
| Average equity | $120,388,000 | 857 |
| Average total loans | $648,017,000 | 951 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 3,896 |
| Cost of funding earning assets | 0.9322% | 760 |
| Net interest margin | 2.6306% | 4,461 |
| Noninterest income to average assets | 0.4389% | 2,919 |
| Noninterest expense to average assets | 1.9787% | 4,177 |
| Loan and lease loss provision to assets | 0.1312% | 2,721 |
| Net operating income to assets | 0.7669% | 3,214 |
| Return on assets (ROA) | 0.7540% | 3,381 |
| Pretax return on assets | 0.8314% | 3,552 |
| Return on Equity (ROE) | 7.6461% | 2,944 |
| Retained earnings to average equity (ytd only) | 3.2805% | 3,188 |
| Net charge-offs to loans | 0.1375% | 1,170 |
| Credit loss provision to net charge-offs | 183.8323% | 2,248 |
| Earnings coverage of net charge-offs (x) | 13.6874% | 2,264 |
| Efficiency ratio | 66.9510% | 2,371 |
| Assets per employee ($millions) | 6.6219% | 1,834 |
| Cash dividends to net income (ytd only)* | 57.0959% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,978 |
| Loan loss allowance to noncurrent loans | 280.5154% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 3,339 |
| Noncurrent loans to loans | 0.3453% | 2,967 |
| Net loans and leases to total assets | 51.2285% | 3,730 |
| Net loans and leases to deposits | 58.2832% | 3,877 |
| Net loans and leases to core deposits | 63.3330% | 3,745 |
| Total domestic deposits to total assets | 87.8957% | 1,530 |
| Equity capital to assets | 9.7688% | 3,347 |
| Core capital (leverage) ratio | 9.1645% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0980% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,170,102,600 | 766 |
| Average earning assets | $1,119,344,800 | 739 |
| Average equity | $115,378,800 | 855 |
| Average total loans | $607,154,000 | 963 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 3,997 |
| Cost of funding earning assets | 1.0187% | 714 |
| Net interest margin | 2.5868% | 4,580 |
| Noninterest income to average assets | 0.4365% | 2,899 |
| Noninterest expense to average assets | 1.9652% | 4,223 |
| Loan and lease loss provision to assets | 0.0931% | 3,152 |
| Net operating income to assets | 0.7807% | 3,164 |
| Return on assets (ROA) | 0.7174% | 3,503 |
| Pretax return on assets | 0.7833% | 3,691 |
| Return on Equity (ROE) | 7.2571% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.0051% | 3,521 |
| Net charge-offs to loans | 0.1207% | 1,162 |
| Credit loss provision to net charge-offs | 148.5240% | 2,335 |
| Earnings coverage of net charge-offs (x) | 15.0812% | 2,119 |
| Efficiency ratio | 67.5235% | 2,245 |
| Assets per employee ($millions) | 6.5497% | 1,791 |
| Cash dividends to net income (ytd only)* | 58.5912% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 4,022 |
| Loan loss allowance to noncurrent loans | 214.6632% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,299 |
| Noncurrent loans to loans | 0.4264% | 2,782 |
| Net loans and leases to total assets | 50.9749% | 4,032 |
| Net loans and leases to deposits | 57.9940% | 4,164 |
| Net loans and leases to core deposits | 61.8968% | 4,117 |
| Total domestic deposits to total assets | 87.8969% | 1,264 |
| Equity capital to assets | 9.7260% | 3,493 |
| Core capital (leverage) ratio | 9.3813% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5744% | 961 |
| Memoranda: | ||
| Average total assets | $1,153,054,250 | 767 |
| Average earning assets | $1,102,679,000 | 738 |
| Average equity | $113,981,750 | 859 |
| Average total loans | $598,801,250 | 973 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 4,061 |
| Cost of funding earning assets | 1.0631% | 808 |
| Net interest margin | 2.6483% | 4,611 |
| Noninterest income to average assets | 0.4315% | 2,899 |
| Noninterest expense to average assets | 1.9829% | 4,267 |
| Loan and lease loss provision to assets | 0.0894% | 3,157 |
| Net operating income to assets | 0.8416% | 2,890 |
| Return on assets (ROA) | 0.7158% | 3,452 |
| Pretax return on assets | 0.7570% | 3,721 |
| Return on Equity (ROE) | 7.1988% | 3,058 |
| Retained earnings to average equity (ytd only) | 3.1781% | 3,312 |
| Net charge-offs to loans | 0.0435% | 1,875 |
| Credit loss provision to net charge-offs | 394.5313% | 1,417 |
| Earnings coverage of net charge-offs (x) | 43.1797% | 1,191 |
| Efficiency ratio | 66.9477% | 2,389 |
| Assets per employee ($millions) | 6.2627% | 1,980 |
| Cash dividends to net income (ytd only)* | 55.8525% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,819 |
| Loan loss allowance to noncurrent loans | 232.6741% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 3,391 |
| Noncurrent loans to loans | 0.4059% | 2,949 |
| Net loans and leases to total assets | 52.3945% | 4,004 |
| Net loans and leases to deposits | 60.3303% | 4,098 |
| Net loans and leases to core deposits | 64.7183% | 4,036 |
| Total domestic deposits to total assets | 86.8461% | 1,684 |
| Equity capital to assets | 10.0831% | 3,125 |
| Core capital (leverage) ratio | 9.5541% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9378% | 913 |
| Memoranda: | ||
| Average total assets | $1,129,141,667 | 772 |
| Average earning assets | $1,078,890,333 | 743 |
| Average equity | $112,268,000 | 864 |
| Average total loans | $588,366,667 | 976 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 4,131 |
| Cost of funding earning assets | 1.1530% | 896 |
| Net interest margin | 2.6975% | 4,673 |
| Noninterest income to average assets | 0.4767% | 2,671 |
| Noninterest expense to average assets | 2.0459% | 4,316 |
| Loan and lease loss provision to assets | 0.0489% | 3,166 |
| Net operating income to assets | 0.9000% | 2,524 |
| Return on assets (ROA) | 0.6302% | 3,574 |
| Pretax return on assets | 0.6693% | 3,773 |
| Return on Equity (ROE) | 6.3864% | 3,181 |
| Retained earnings to average equity (ytd only) | 1.3316% | 3,659 |
| Net charge-offs to loans | 0.0427% | 1,605 |
| Credit loss provision to net charge-offs | 221.3115% | 1,361 |
| Earnings coverage of net charge-offs (x) | 45.5246% | 962 |
| Efficiency ratio | 67.0542% | 2,809 |
| Assets per employee ($millions) | 5.8237% | 1,814 |
| Cash dividends to net income (ytd only)* | 79.1499% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 3,838 |
| Loan loss allowance to noncurrent loans | 279.7894% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,737 |
| Noncurrent loans to loans | 0.3473% | 3,244 |
| Net loans and leases to total assets | 51.3796% | 4,156 |
| Net loans and leases to deposits | 60.0363% | 4,194 |
| Net loans and leases to core deposits | 65.0663% | 4,125 |
| Total domestic deposits to total assets | 85.5810% | 2,180 |
| Equity capital to assets | 9.5909% | 4,140 |
| Core capital (leverage) ratio | 9.8761% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7569% | 1,019 |
| Memoranda: | ||
| Average total assets | $1,105,023,000 | 757 |
| Average earning assets | $1,054,597,500 | 730 |
| Average equity | $109,044,000 | 881 |
| Average total loans | $571,168,000 | 979 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 4,326 |
| Cost of funding earning assets | 1.2134% | 998 |
| Net interest margin | 2.7566% | 4,785 |
| Noninterest income to average assets | 0.4909% | 2,791 |
| Noninterest expense to average assets | 1.9863% | 4,554 |
| Loan and lease loss provision to assets | 0.0469% | 3,089 |
| Net operating income to assets | 0.9655% | 2,969 |
| Return on assets (ROA) | 1.0025% | 2,924 |
| Pretax return on assets | 1.1362% | 3,052 |
| Return on Equity (ROE) | 10.2602% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.0549% | 1,838 |
| Net charge-offs to loans | 0.1301% | 1,469 |
| Credit loss provision to net charge-offs | 70.4986% | 2,906 |
| Earnings coverage of net charge-offs (x) | 17.1565% | 2,127 |
| Efficiency ratio | 63.5161% | 3,142 |
| Assets per employee ($millions) | 5.7777% | 1,808 |
| Cash dividends to net income (ytd only)* | 40.9868% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 3,656 |
| Loan loss allowance to noncurrent loans | 208.6808% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,349 |
| Noncurrent loans to loans | 0.4642% | 2,784 |
| Net loans and leases to total assets | 50.9935% | 4,285 |
| Net loans and leases to deposits | 59.1837% | 4,324 |
| Net loans and leases to core deposits | 63.9387% | 4,279 |
| Total domestic deposits to total assets | 86.1613% | 1,999 |
| Equity capital to assets | 10.1459% | 3,794 |
| Core capital (leverage) ratio | 9.9004% | 3,619 |
| Tier 1 risk-based capital ratio | 17.9989% | 1,762 |
| Total risk-based capital ratio | 19.1093% | 1,750 |
| Memoranda: | ||
| Average total assets | $1,085,667,000 | 733 |
| Average earning assets | $1,038,326,200 | 702 |
| Average equity | $106,080,200 | 857 |
| Average total loans | $554,955,200 | 972 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 4,381 |
| Cost of funding earning assets | 1.2190% | 987 |
| Net interest margin | 2.7721% | 4,877 |
| Noninterest income to average assets | 0.4984% | 2,739 |
| Noninterest expense to average assets | 1.9790% | 4,595 |
| Loan and lease loss provision to assets | 0.0387% | 3,128 |
| Net operating income to assets | 0.9941% | 3,003 |
| Return on assets (ROA) | 1.0255% | 2,961 |
| Pretax return on assets | 1.1679% | 3,076 |
| Return on Equity (ROE) | 10.5992% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.6697% | 2,024 |
| Net charge-offs to loans | 0.1624% | 1,034 |
| Credit loss provision to net charge-offs | 46.7262% | 2,815 |
| Earnings coverage of net charge-offs (x) | 14.1309% | 2,258 |
| Efficiency ratio | 62.8249% | 3,193 |
| Assets per employee ($millions) | 5.9367% | 1,648 |
| Cash dividends to net income (ytd only)* | 37.0731% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,827 |
| Loan loss allowance to noncurrent loans | 185.0190% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,364 |
| Noncurrent loans to loans | 0.5141% | 2,748 |
| Net loans and leases to total assets | 50.8181% | 4,381 |
| Net loans and leases to deposits | 58.1479% | 4,471 |
| Net loans and leases to core deposits | 62.6359% | 4,433 |
| Total domestic deposits to total assets | 87.3945% | 1,314 |
| Equity capital to assets | 10.0956% | 3,922 |
| Core capital (leverage) ratio | 9.8679% | 3,769 |
| Tier 1 risk-based capital ratio | 17.9813% | 1,827 |
| Total risk-based capital ratio | 19.1456% | 1,792 |
| Memoranda: | ||
| Average total assets | $1,081,198,000 | 737 |
| Average earning assets | $1,034,183,500 | 703 |
| Average equity | $104,609,250 | 866 |
| Average total loans | $551,634,000 | 978 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 4,406 |
| Cost of funding earning assets | 1.2028% | 986 |
| Net interest margin | 2.7846% | 4,945 |
| Noninterest income to average assets | 0.4999% | 2,683 |
| Noninterest expense to average assets | 1.9978% | 4,604 |
| Loan and lease loss provision to assets | 0.0286% | 3,251 |
| Net operating income to assets | 0.9965% | 2,935 |
| Return on assets (ROA) | 1.0315% | 2,878 |
| Pretax return on assets | 1.1777% | 2,987 |
| Return on Equity (ROE) | 10.8214% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.0426% | 1,785 |
| Net charge-offs to loans | 0.1194% | 1,239 |
| Credit loss provision to net charge-offs | 47.0948% | 2,492 |
| Earnings coverage of net charge-offs (x) | 19.1835% | 1,827 |
| Efficiency ratio | 63.1347% | 3,264 |
| Assets per employee ($millions) | 5.9794% | 1,561 |
| Cash dividends to net income (ytd only)* | 34.9198% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,689 |
| Loan loss allowance to noncurrent loans | 211.6412% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,439 |
| Noncurrent loans to loans | 0.4673% | 2,881 |
| Net loans and leases to total assets | 51.0125% | 4,410 |
| Net loans and leases to deposits | 59.1611% | 4,468 |
| Net loans and leases to core deposits | 63.6529% | 4,428 |
| Total domestic deposits to total assets | 86.2264% | 1,923 |
| Equity capital to assets | 9.8842% | 4,072 |
| Core capital (leverage) ratio | 9.7720% | 3,855 |
| Tier 1 risk-based capital ratio | 17.8548% | 1,841 |
| Total risk-based capital ratio | 19.0598% | 1,803 |
| Memoranda: | ||
| Average total assets | $1,075,499,330 | 738 |
| Average earning assets | $1,029,084,330 | 706 |
| Average equity | $102,519,330 | 876 |
| Average total loans | $547,681,330 | 989 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 4,435 |
| Cost of funding earning assets | 1.1714% | 984 |
| Net interest margin | 2.7971% | 4,991 |
| Noninterest income to average assets | 0.4789% | 2,687 |
| Noninterest expense to average assets | 1.9758% | 4,689 |
| Loan and lease loss provision to assets | 0.0202% | 3,179 |
| Net operating income to assets | 1.0182% | 2,779 |
| Return on assets (ROA) | 1.0495% | 2,701 |
| Pretax return on assets | 1.1931% | 2,832 |
| Return on Equity (ROE) | 11.2204% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.7642% | 2,130 |
| Net charge-offs to loans | 0.0562% | 1,485 |
| Credit loss provision to net charge-offs | 71.0526% | 1,842 |
| Earnings coverage of net charge-offs (x) | 41.4211% | 1,130 |
| Efficiency ratio | 62.6527% | 3,438 |
| Assets per employee ($millions) | 6.0038% | 1,546 |
| Cash dividends to net income (ytd only)* | 39.7148% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,477 |
| Loan loss allowance to noncurrent loans | 215.1870% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 3,421 |
| Noncurrent loans to loans | 0.4827% | 2,863 |
| Net loans and leases to total assets | 50.2211% | 4,450 |
| Net loans and leases to deposits | 57.9289% | 4,507 |
| Net loans and leases to core deposits | 62.1261% | 4,466 |
| Total domestic deposits to total assets | 86.6944% | 1,962 |
| Equity capital to assets | 9.5558% | 4,204 |
| Core capital (leverage) ratio | 9.7266% | 3,890 |
| Tier 1 risk-based capital ratio | 17.6650% | 1,892 |
| Total risk-based capital ratio | 18.9050% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,069,125,000 | 745 |
| Average earning assets | $1,022,354,500 | 714 |
| Average equity | $99,996,500 | 887 |
| Average total loans | $541,178,500 | 1,001 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 4,353 |
| Cost of funding earning assets | 0.9956% | 768 |
| Net interest margin | 2.8700% | 4,950 |
| Noninterest income to average assets | 0.4991% | 2,841 |
| Noninterest expense to average assets | 1.9679% | 4,795 |
| Loan and lease loss provision to assets | 0.0308% | 3,575 |
| Net operating income to assets | 1.0923% | 2,636 |
| Return on assets (ROA) | 1.0885% | 2,645 |
| Pretax return on assets | 1.2444% | 2,720 |
| Return on Equity (ROE) | 12.2108% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.2024% | 1,155 |
| Net charge-offs to loans | 0.0747% | 2,050 |
| Credit loss provision to net charge-offs | 82.9016% | 2,827 |
| Earnings coverage of net charge-offs (x) | 34.4404% | 1,463 |
| Efficiency ratio | 60.5964% | 3,762 |
| Assets per employee ($millions) | 5.8429% | 1,636 |
| Cash dividends to net income (ytd only)* | 32.8263% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,268 |
| Loan loss allowance to noncurrent loans | 204.6528% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,363 |
| Noncurrent loans to loans | 0.5233% | 2,704 |
| Net loans and leases to total assets | 49.9460% | 4,524 |
| Net loans and leases to deposits | 56.7176% | 4,634 |
| Net loans and leases to core deposits | 60.6801% | 4,600 |
| Total domestic deposits to total assets | 88.0608% | 1,273 |
| Equity capital to assets | 9.1460% | 4,452 |
| Core capital (leverage) ratio | 9.6563% | 3,943 |
| Tier 1 risk-based capital ratio | 17.5299% | 1,893 |
| Total risk-based capital ratio | 18.7845% | 1,847 |
| Memoranda: | ||
| Average total assets | $1,038,887,000 | 742 |
| Average earning assets | $994,889,800 | 710 |
| Average equity | $92,606,600 | 911 |
| Average total loans | $516,475,200 | 1,015 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 4,394 |
| Cost of funding earning assets | 0.9522% | 742 |
| Net interest margin | 2.8669% | 5,018 |
| Noninterest income to average assets | 0.4985% | 2,881 |
| Noninterest expense to average assets | 1.9713% | 4,792 |
| Loan and lease loss provision to assets | 0.0271% | 3,470 |
| Net operating income to assets | 1.0927% | 2,698 |
| Return on assets (ROA) | 1.1096% | 2,634 |
| Pretax return on assets | 1.2664% | 2,739 |
| Return on Equity (ROE) | 12.5312% | 1,602 |
| Retained earnings to average equity (ytd only) | 8.3090% | 1,508 |
| Net charge-offs to loans | 0.0505% | 2,110 |
| Credit loss provision to net charge-offs | 108.2474% | 2,134 |
| Earnings coverage of net charge-offs (x) | 50.9485% | 1,162 |
| Efficiency ratio | 60.7388% | 3,700 |
| Assets per employee ($millions) | 5.7907% | 1,651 |
| Cash dividends to net income (ytd only)* | 33.6935% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,172 |
| Loan loss allowance to noncurrent loans | 250.3237% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,657 |
| Noncurrent loans to loans | 0.4409% | 3,074 |
| Net loans and leases to total assets | 49.5814% | 4,626 |
| Net loans and leases to deposits | 55.5571% | 4,773 |
| Net loans and leases to core deposits | 59.2482% | 4,732 |
| Total domestic deposits to total assets | 89.2442% | 756 |
| Equity capital to assets | 8.6769% | 4,815 |
| Core capital (leverage) ratio | 9.5850% | 4,074 |
| Tier 1 risk-based capital ratio | 17.4648% | 1,944 |
| Total risk-based capital ratio | 18.8221% | 1,871 |
| Memoranda: | ||
| Average total assets | $1,034,215,500 | 741 |
| Average earning assets | $990,968,250 | 712 |
| Average equity | $91,576,750 | 918 |
| Average total loans | $512,110,750 | 1,023 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,366 |
| Cost of funding earning assets | 0.9098% | 705 |
| Net interest margin | 2.8815% | 5,039 |
| Noninterest income to average assets | 0.4934% | 2,899 |
| Noninterest expense to average assets | 1.9822% | 4,828 |
| Loan and lease loss provision to assets | 0.0253% | 3,411 |
| Net operating income to assets | 1.0905% | 2,616 |
| Return on assets (ROA) | 1.1203% | 2,520 |
| Pretax return on assets | 1.2813% | 2,587 |
| Return on Equity (ROE) | 12.5659% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.6220% | 1,349 |
| Net charge-offs to loans | 0.0162% | 2,600 |
| Credit loss provision to net charge-offs | 317.0732% | 969 |
| Earnings coverage of net charge-offs (x) | 159.7561% | 492 |
| Efficiency ratio | 60.9049% | 3,780 |
| Assets per employee ($millions) | 5.7923% | 1,643 |
| Cash dividends to net income (ytd only)* | 31.3855% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,968 |
| Loan loss allowance to noncurrent loans | 222.3316% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,556 |
| Noncurrent loans to loans | 0.5180% | 2,864 |
| Net loans and leases to total assets | 48.8949% | 4,667 |
| Net loans and leases to deposits | 55.7988% | 4,762 |
| Net loans and leases to core deposits | 59.5395% | 4,726 |
| Total domestic deposits to total assets | 87.6273% | 1,576 |
| Equity capital to assets | 8.8876% | 4,654 |
| Core capital (leverage) ratio | 9.4763% | 4,141 |
| Tier 1 risk-based capital ratio | 17.5618% | 1,926 |
| Total risk-based capital ratio | 18.9640% | 1,841 |
| Memoranda: | ||
| Average total assets | $1,029,584,000 | 745 |
| Average earning assets | $986,586,330 | 720 |
| Average equity | $91,788,000 | 911 |
| Average total loans | $507,658,330 | 1,032 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,338 |
| Cost of funding earning assets | 0.8763% | 674 |
| Net interest margin | 2.8806% | 5,060 |
| Noninterest income to average assets | 0.4642% | 3,036 |
| Noninterest expense to average assets | 1.9723% | 4,904 |
| Loan and lease loss provision to assets | 0.0233% | 3,221 |
| Net operating income to assets | 1.0745% | 2,548 |
| Return on assets (ROA) | 1.1026% | 2,424 |
| Pretax return on assets | 1.2628% | 2,499 |
| Return on Equity (ROE) | 12.3486% | 1,456 |
| Retained earnings to average equity (ytd only) | 7.9116% | 1,874 |
| Net charge-offs to loans | 0.0221% | 2,062 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 115.1786% | 545 |
| Efficiency ratio | 61.1352% | 3,926 |
| Assets per employee ($millions) | 5.7566% | 1,719 |
| Cash dividends to net income (ytd only)* | 35.9309% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,115 |
| Loan loss allowance to noncurrent loans | 240.0330% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 3,790 |
| Noncurrent loans to loans | 0.4772% | 3,091 |
| Net loans and leases to total assets | 48.7131% | 4,649 |
| Net loans and leases to deposits | 55.1401% | 4,738 |
| Net loans and leases to core deposits | 58.5240% | 4,724 |
| Total domestic deposits to total assets | 88.3443% | 1,430 |
| Equity capital to assets | 8.7894% | 4,749 |
| Core capital (leverage) ratio | 9.3417% | 4,267 |
| Tier 1 risk-based capital ratio | 17.2883% | 2,039 |
| Total risk-based capital ratio | 18.6890% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,028,859,500 | 747 |
| Average earning assets | $986,449,000 | 719 |
| Average equity | $91,865,000 | 915 |
| Average total loans | $506,489,000 | 1,037 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,323 |
| Cost of funding earning assets | 0.8206% | 555 |
| Net interest margin | 2.8849% | 5,065 |
| Noninterest income to average assets | 0.5065% | 2,959 |
| Noninterest expense to average assets | 1.9934% | 4,972 |
| Loan and lease loss provision to assets | 0.1116% | 2,032 |
| Net operating income to assets | 0.8300% | 3,032 |
| Return on assets (ROA) | 0.9600% | 2,437 |
| Pretax return on assets | 1.3467% | 2,185 |
| Return on Equity (ROE) | 10.5777% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.5934% | 1,236 |
| Net charge-offs to loans | 0.3085% | 825 |
| Credit loss provision to net charge-offs | 73.0644% | 3,048 |
| Earnings coverage of net charge-offs (x) | 8.3500% | 2,925 |
| Efficiency ratio | 60.9850% | 4,120 |
| Assets per employee ($millions) | 5.8039% | 1,653 |
| Cash dividends to net income (ytd only)* | 37.6669% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,089 |
| Loan loss allowance to noncurrent loans | 300.9365% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 4,033 |
| Noncurrent loans to loans | 0.3804% | 3,394 |
| Net loans and leases to total assets | 48.6157% | 4,728 |
| Net loans and leases to deposits | 54.7838% | 4,862 |
| Net loans and leases to core deposits | 58.0157% | 4,851 |
| Total domestic deposits to total assets | 88.7409% | 1,121 |
| Equity capital to assets | 9.0686% | 4,649 |
| Core capital (leverage) ratio | 9.1714% | 4,432 |
| Tier 1 risk-based capital ratio | 17.0556% | 2,073 |
| Total risk-based capital ratio | 18.4723% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,006,385,400 | 734 |
| Average earning assets | $963,571,600 | 703 |
| Average equity | $91,333,800 | 894 |
| Average total loans | $498,154,800 | 1,029 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,369 |
| Cost of funding earning assets | 0.8090% | 548 |
| Net interest margin | 2.8740% | 5,123 |
| Noninterest income to average assets | 0.5127% | 2,957 |
| Noninterest expense to average assets | 1.9517% | 5,041 |
| Loan and lease loss provision to assets | 0.0867% | 2,353 |
| Net operating income to assets | 0.9534% | 2,761 |
| Return on assets (ROA) | 1.0522% | 2,357 |
| Pretax return on assets | 1.3517% | 2,275 |
| Return on Equity (ROE) | 11.5919% | 1,463 |
| Retained earnings to average equity (ytd only) | 7.3842% | 1,504 |
| Net charge-offs to loans | 0.2490% | 868 |
| Credit loss provision to net charge-offs | 70.2265% | 2,698 |
| Earnings coverage of net charge-offs (x) | 10.6257% | 2,578 |
| Efficiency ratio | 59.8041% | 4,254 |
| Assets per employee ($millions) | 5.8076% | 1,644 |
| Cash dividends to net income (ytd only)* | 36.2992% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,049 |
| Loan loss allowance to noncurrent loans | 189.9294% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 3,772 |
| Noncurrent loans to loans | 0.6199% | 2,854 |
| Net loans and leases to total assets | 48.0835% | 4,820 |
| Net loans and leases to deposits | 54.1098% | 4,959 |
| Net loans and leases to core deposits | 57.1845% | 4,943 |
| Total domestic deposits to total assets | 88.8628% | 944 |
| Equity capital to assets | 9.0997% | 4,819 |
| Core capital (leverage) ratio | 9.2409% | 4,475 |
| Tier 1 risk-based capital ratio | 16.7147% | 2,247 |
| Total risk-based capital ratio | 18.2006% | 2,128 |
| Memoranda: | ||
| Average total assets | $1,001,159,750 | 741 |
| Average earning assets | $958,230,500 | 712 |
| Average equity | $90,877,000 | 900 |
| Average total loans | $496,391,750 | 1,037 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,290 |
| Cost of funding earning assets | 0.8070% | 510 |
| Net interest margin | 2.8715% | 5,135 |
| Noninterest income to average assets | 0.5174% | 2,913 |
| Noninterest expense to average assets | 1.9631% | 5,052 |
| Loan and lease loss provision to assets | 0.0745% | 2,475 |
| Net operating income to assets | 0.9422% | 2,707 |
| Return on assets (ROA) | 1.0369% | 2,307 |
| Pretax return on assets | 1.3501% | 2,210 |
| Return on Equity (ROE) | 11.4326% | 1,484 |
| Retained earnings to average equity (ytd only) | 7.7472% | 1,258 |
| Net charge-offs to loans | 0.2841% | 715 |
| Credit loss provision to net charge-offs | 52.5641% | 2,537 |
| Earnings coverage of net charge-offs (x) | 9.1809% | 2,457 |
| Efficiency ratio | 60.1299% | 4,298 |
| Assets per employee ($millions) | 5.7906% | 1,615 |
| Cash dividends to net income (ytd only)* | 32.2361% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,167 |
| Loan loss allowance to noncurrent loans | 199.3542% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 3,887 |
| Noncurrent loans to loans | 0.5897% | 2,960 |
| Net loans and leases to total assets | 49.2167% | 4,751 |
| Net loans and leases to deposits | 56.0365% | 4,855 |
| Net loans and leases to core deposits | 59.1964% | 4,869 |
| Total domestic deposits to total assets | 87.8298% | 1,542 |
| Equity capital to assets | 9.2924% | 4,626 |
| Core capital (leverage) ratio | 9.2370% | 4,450 |
| Tier 1 risk-based capital ratio | 16.6174% | 2,270 |
| Total risk-based capital ratio | 18.1340% | 2,146 |
| Memoranda: | ||
| Average total assets | $990,295,670 | 750 |
| Average earning assets | $947,465,330 | 722 |
| Average equity | $89,813,330 | 912 |
| Average total loans | $494,193,670 | 1,036 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,241 |
| Cost of funding earning assets | 0.8084% | 462 |
| Net interest margin | 2.8510% | 5,164 |
| Noninterest income to average assets | 0.4908% | 3,042 |
| Noninterest expense to average assets | 1.9473% | 5,155 |
| Loan and lease loss provision to assets | 0.0605% | 2,589 |
| Net operating income to assets | 0.9251% | 2,640 |
| Return on assets (ROA) | 1.0384% | 2,173 |
| Pretax return on assets | 1.3602% | 2,029 |
| Return on Equity (ROE) | 11.5951% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.3218% | 1,735 |
| Net charge-offs to loans | 0.0699% | 1,630 |
| Credit loss provision to net charge-offs | 173.2558% | 1,115 |
| Earnings coverage of net charge-offs (x) | 36.3953% | 1,097 |
| Efficiency ratio | 60.4948% | 4,400 |
| Assets per employee ($millions) | 5.6685% | 1,753 |
| Cash dividends to net income (ytd only)* | 36.8545% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,680 |
| Loan loss allowance to noncurrent loans | 468.2872% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,662 |
| Noncurrent loans to loans | 0.2714% | 4,134 |
| Net loans and leases to total assets | 49.3096% | 4,730 |
| Net loans and leases to deposits | 55.8124% | 4,827 |
| Net loans and leases to core deposits | 58.7681% | 4,840 |
| Total domestic deposits to total assets | 88.3489% | 1,509 |
| Equity capital to assets | 9.0708% | 4,741 |
| Core capital (leverage) ratio | 9.1163% | 4,594 |
| Tier 1 risk-based capital ratio | 16.4843% | 2,365 |
| Total risk-based capital ratio | 18.1047% | 2,198 |
| Memoranda: | ||
| Average total assets | $984,557,000 | 761 |
| Average earning assets | $942,124,500 | 727 |
| Average equity | $88,175,500 | 925 |
| Average total loans | $491,838,000 | 1,038 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,268 |
| Cost of funding earning assets | 0.8271% | 437 |
| Net interest margin | 2.8549% | 5,205 |
| Noninterest income to average assets | 0.5030% | 3,220 |
| Noninterest expense to average assets | 1.9459% | 5,292 |
| Loan and lease loss provision to assets | 0.0671% | 3,027 |
| Net operating income to assets | 0.9436% | 2,613 |
| Return on assets (ROA) | 1.0716% | 2,134 |
| Pretax return on assets | 1.3905% | 1,981 |
| Return on Equity (ROE) | 11.9069% | 1,267 |
| Retained earnings to average equity (ytd only) | 8.1145% | 814 |
| Net charge-offs to loans | 0.0930% | 2,380 |
| Credit loss provision to net charge-offs | 144.7191% | 1,894 |
| Earnings coverage of net charge-offs (x) | 27.8719% | 1,495 |
| Efficiency ratio | 60.1100% | 4,567 |
| Assets per employee ($millions) | 5.6483% | 1,745 |
| Cash dividends to net income (ytd only)* | 31.8500% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,749 |
| Loan loss allowance to noncurrent loans | 326.8987% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,485 |
| Noncurrent loans to loans | 0.3861% | 3,757 |
| Net loans and leases to total assets | 49.3355% | 4,810 |
| Net loans and leases to deposits | 55.7888% | 4,922 |
| Net loans and leases to core deposits | 58.8896% | 4,913 |
| Total domestic deposits to total assets | 88.4326% | 1,419 |
| Equity capital to assets | 8.8405% | 4,973 |
| Core capital (leverage) ratio | 9.0406% | 4,691 |
| Tier 1 risk-based capital ratio | 16.3051% | 2,427 |
| Total risk-based capital ratio | 17.9377% | 2,217 |
| Memoranda: | ||
| Average total assets | $960,462,000 | 756 |
| Average earning assets | $919,890,800 | 720 |
| Average equity | $86,437,600 | 920 |
| Average total loans | $478,623,200 | 1,014 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 4,232 |
| Cost of funding earning assets | 0.8235% | 439 |
| Net interest margin | 2.8831% | 5,216 |
| Noninterest income to average assets | 0.5088% | 3,187 |
| Noninterest expense to average assets | 1.9564% | 5,287 |
| Loan and lease loss provision to assets | 0.0673% | 2,874 |
| Net operating income to assets | 0.9581% | 2,618 |
| Return on assets (ROA) | 1.0866% | 2,154 |
| Pretax return on assets | 1.4145% | 1,988 |
| Return on Equity (ROE) | 12.0193% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.0082% | 1,170 |
| Net charge-offs to loans | 0.0914% | 2,045 |
| Credit loss provision to net charge-offs | 147.8528% | 1,788 |
| Earnings coverage of net charge-offs (x) | 28.8862% | 1,527 |
| Efficiency ratio | 59.8045% | 4,568 |
| Assets per employee ($millions) | 5.6813% | 1,686 |
| Cash dividends to net income (ytd only)* | 33.3719% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,809 |
| Loan loss allowance to noncurrent loans | 334.5109% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 4,588 |
| Noncurrent loans to loans | 0.3817% | 3,891 |
| Net loans and leases to total assets | 48.7050% | 4,909 |
| Net loans and leases to deposits | 55.3027% | 5,037 |
| Net loans and leases to core deposits | 58.3783% | 5,027 |
| Total domestic deposits to total assets | 88.0697% | 1,368 |
| Equity capital to assets | 9.1684% | 5,005 |
| Core capital (leverage) ratio | 9.0157% | 4,815 |
| Tier 1 risk-based capital ratio | 16.3174% | 2,489 |
| Total risk-based capital ratio | 17.5247% | 2,460 |
| Memoranda: | ||
| Average total assets | $954,877,750 | 760 |
| Average earning assets | $914,930,500 | 727 |
| Average equity | $86,326,000 | 924 |
| Average total loans | $475,512,250 | 1,016 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,128 |
| Cost of funding earning assets | 0.8257% | 424 |
| Net interest margin | 2.9238% | 5,225 |
| Noninterest income to average assets | 0.5007% | 3,183 |
| Noninterest expense to average assets | 1.9716% | 5,332 |
| Loan and lease loss provision to assets | 0.0686% | 2,767 |
| Net operating income to assets | 0.9659% | 2,546 |
| Return on assets (ROA) | 1.0888% | 2,123 |
| Pretax return on assets | 1.4194% | 1,949 |
| Return on Equity (ROE) | 12.1027% | 1,283 |
| Retained earnings to average equity (ytd only) | 8.3790% | 1,048 |
| Net charge-offs to loans | 0.0938% | 1,906 |
| Credit loss provision to net charge-offs | 146.3964% | 1,621 |
| Earnings coverage of net charge-offs (x) | 28.3468% | 1,431 |
| Efficiency ratio | 59.7454% | 4,674 |
| Assets per employee ($millions) | 5.5685% | 1,724 |
| Cash dividends to net income (ytd only)* | 30.7677% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,942 |
| Loan loss allowance to noncurrent loans | 663.1522% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 5,005 |
| Noncurrent loans to loans | 0.1919% | 4,669 |
| Net loans and leases to total assets | 49.4206% | 4,880 |
| Net loans and leases to deposits | 56.7651% | 4,964 |
| Net loans and leases to core deposits | 60.0398% | 4,978 |
| Total domestic deposits to total assets | 87.0616% | 1,891 |
| Equity capital to assets | 9.1556% | 5,108 |
| Core capital (leverage) ratio | 8.9279% | 4,908 |
| Tier 1 risk-based capital ratio | 15.9717% | 2,656 |
| Total risk-based capital ratio | 17.1466% | 2,632 |
| Memoranda: | ||
| Average total assets | $947,442,330 | 766 |
| Average earning assets | $907,107,670 | 733 |
| Average equity | $85,237,330 | 932 |
| Average total loans | $473,319,000 | 1,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 3,957 |
| Cost of funding earning assets | 0.8408% | 400 |
| Net interest margin | 2.9558% | 5,209 |
| Noninterest income to average assets | 0.5001% | 3,108 |
| Noninterest expense to average assets | 1.9676% | 5,400 |
| Loan and lease loss provision to assets | 0.0722% | 2,514 |
| Net operating income to assets | 0.9878% | 2,334 |
| Return on assets (ROA) | 1.0931% | 2,029 |
| Pretax return on assets | 1.4263% | 1,812 |
| Return on Equity (ROE) | 12.2603% | 1,229 |
| Retained earnings to average equity (ytd only) | 7.7942% | 1,544 |
| Net charge-offs to loans | 0.0842% | 1,656 |
| Credit loss provision to net charge-offs | 171.7172% | 1,190 |
| Earnings coverage of net charge-offs (x) | 32.4040% | 1,141 |
| Efficiency ratio | 59.0973% | 4,860 |
| Assets per employee ($millions) | 5.4645% | 1,857 |
| Cash dividends to net income (ytd only)* | 36.4272% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 3,006 |
| Loan loss allowance to noncurrent loans | 779.0757% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 5,107 |
| Noncurrent loans to loans | 0.1643% | 4,837 |
| Net loans and leases to total assets | 49.2207% | 4,870 |
| Net loans and leases to deposits | 56.4814% | 4,952 |
| Net loans and leases to core deposits | 59.6768% | 4,961 |
| Total domestic deposits to total assets | 87.1450% | 2,136 |
| Equity capital to assets | 8.9588% | 5,207 |
| Core capital (leverage) ratio | 8.7641% | 5,103 |
| Tier 1 risk-based capital ratio | 15.8512% | 2,759 |
| Total risk-based capital ratio | 17.0334% | 2,725 |
| Memoranda: | ||
| Average total assets | $942,275,000 | 770 |
| Average earning assets | $901,966,000 | 734 |
| Average equity | $84,011,000 | 946 |
| Average total loans | $470,258,500 | 1,019 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,022 |
| Cost of funding earning assets | 0.8551% | 360 |
| Net interest margin | 2.9519% | 5,242 |
| Noninterest income to average assets | 0.5024% | 3,310 |
| Noninterest expense to average assets | 2.0203% | 5,418 |
| Loan and lease loss provision to assets | 0.1754% | 1,298 |
| Net operating income to assets | 0.8693% | 3,024 |
| Return on assets (ROA) | 1.0906% | 2,032 |
| Pretax return on assets | 1.4236% | 1,811 |
| Return on Equity (ROE) | 12.3965% | 1,209 |
| Retained earnings to average equity (ytd only) | 8.4591% | 788 |
| Net charge-offs to loans | 0.2724% | 1,116 |
| Credit loss provision to net charge-offs | 129.7735% | 2,020 |
| Earnings coverage of net charge-offs (x) | 9.7015% | 2,787 |
| Efficiency ratio | 60.6362% | 4,811 |
| Assets per employee ($millions) | 5.4925% | 1,813 |
| Cash dividends to net income (ytd only)* | 31.7621% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,988 |
| Loan loss allowance to noncurrent loans | 528.0810% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 4,990 |
| Noncurrent loans to loans | 0.2435% | 4,560 |
| Net loans and leases to total assets | 49.3128% | 4,927 |
| Net loans and leases to deposits | 56.4040% | 5,018 |
| Net loans and leases to core deposits | 59.6016% | 5,008 |
| Total domestic deposits to total assets | 87.4279% | 1,912 |
| Equity capital to assets | 8.8719% | 5,246 |
| Core capital (leverage) ratio | 8.7539% | 5,160 |
| Tier 1 risk-based capital ratio | 15.7522% | 2,803 |
| Total risk-based capital ratio | 16.9647% | 2,762 |
| Memoranda: | ||
| Average total assets | $914,254,200 | 752 |
| Average earning assets | $876,341,200 | 723 |
| Average equity | $80,433,800 | 947 |
| Average total loans | $453,784,000 | 1,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 4,082 |
| Cost of funding earning assets | 0.8553% | 369 |
| Net interest margin | 2.9462% | 5,318 |
| Noninterest income to average assets | 0.4970% | 3,386 |
| Noninterest expense to average assets | 2.0283% | 5,426 |
| Loan and lease loss provision to assets | 0.2023% | 989 |
| Net operating income to assets | 0.8302% | 3,283 |
| Return on assets (ROA) | 1.1121% | 2,033 |
| Pretax return on assets | 1.4629% | 1,788 |
| Return on Equity (ROE) | 12.6679% | 1,202 |
| Retained earnings to average equity (ytd only) | 8.4391% | 1,074 |
| Net charge-offs to loans | 0.2059% | 1,258 |
| Credit loss provision to net charge-offs | 198.2759% | 1,345 |
| Earnings coverage of net charge-offs (x) | 12.6839% | 2,387 |
| Efficiency ratio | 61.0449% | 4,723 |
| Assets per employee ($millions) | 5.4977% | 1,789 |
| Cash dividends to net income (ytd only)* | 33.3817% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,693 |
| Loan loss allowance to noncurrent loans | 198.6784% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,213 |
| Noncurrent loans to loans | 0.6952% | 3,239 |
| Net loans and leases to total assets | 48.5215% | 5,046 |
| Net loans and leases to deposits | 54.5011% | 5,220 |
| Net loans and leases to core deposits | 57.5726% | 5,215 |
| Total domestic deposits to total assets | 89.0285% | 1,015 |
| Equity capital to assets | 8.7874% | 5,501 |
| Core capital (leverage) ratio | 8.6817% | 5,371 |
| Tier 1 risk-based capital ratio | 15.6487% | 2,974 |
| Total risk-based capital ratio | 17.0009% | 2,853 |
| Memoranda: | ||
| Average total assets | $909,385,000 | 765 |
| Average earning assets | $872,157,750 | 731 |
| Average equity | $79,832,250 | 957 |
| Average total loans | $450,618,000 | 1,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,932 |
| Cost of funding earning assets | 0.8570% | 368 |
| Net interest margin | 2.9803% | 5,268 |
| Noninterest income to average assets | 0.4927% | 3,429 |
| Noninterest expense to average assets | 1.9550% | 5,625 |
| Loan and lease loss provision to assets | 0.1473% | 1,457 |
| Net operating income to assets | 0.9528% | 2,617 |
| Return on assets (ROA) | 1.1127% | 1,986 |
| Pretax return on assets | 1.4590% | 1,769 |
| Return on Equity (ROE) | 12.6799% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.4743% | 1,086 |
| Net charge-offs to loans | 0.1641% | 1,486 |
| Credit loss provision to net charge-offs | 180.7065% | 1,343 |
| Earnings coverage of net charge-offs (x) | 17.1223% | 1,871 |
| Efficiency ratio | 58.3433% | 5,181 |
| Assets per employee ($millions) | 5.3883% | 1,847 |
| Cash dividends to net income (ytd only)* | 33.1674% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 3,115 |
| Loan loss allowance to noncurrent loans | 180.2920% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 3,818 |
| Noncurrent loans to loans | 0.7345% | 3,277 |
| Net loans and leases to total assets | 48.7979% | 5,032 |
| Net loans and leases to deposits | 55.3396% | 5,167 |
| Net loans and leases to core deposits | 58.1695% | 5,184 |
| Total domestic deposits to total assets | 88.1789% | 1,562 |
| Equity capital to assets | 8.7653% | 5,466 |
| Core capital (leverage) ratio | 8.6103% | 5,429 |
| Tier 1 risk-based capital ratio | 15.4859% | 3,112 |
| Total risk-based capital ratio | 16.7915% | 3,028 |
| Memoranda: | ||
| Average total assets | $902,810,000 | 776 |
| Average earning assets | $865,828,000 | 744 |
| Average equity | $79,228,000 | 971 |
| Average total loans | $448,446,670 | 1,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,727 |
| Cost of funding earning assets | 0.8568% | 368 |
| Net interest margin | 3.0180% | 5,162 |
| Noninterest income to average assets | 0.4698% | 3,504 |
| Noninterest expense to average assets | 1.9286% | 5,708 |
| Loan and lease loss provision to assets | 0.1020% | 1,995 |
| Net operating income to assets | 1.0187% | 2,170 |
| Return on assets (ROA) | 1.1118% | 1,935 |
| Pretax return on assets | 1.4592% | 1,701 |
| Return on Equity (ROE) | 12.6615% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.3514% | 1,832 |
| Net charge-offs to loans | 0.1836% | 1,193 |
| Credit loss provision to net charge-offs | 111.6505% | 1,501 |
| Earnings coverage of net charge-offs (x) | 15.7427% | 1,607 |
| Efficiency ratio | 57.2727% | 5,415 |
| Assets per employee ($millions) | 5.3611% | 1,936 |
| Cash dividends to net income (ytd only)* | 41.9393% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,669 |
| Loan loss allowance to noncurrent loans | 317.6966% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 4,202 |
| Noncurrent loans to loans | 0.3946% | 4,409 |
| Net loans and leases to total assets | 49.1691% | 4,926 |
| Net loans and leases to deposits | 55.3135% | 5,098 |
| Net loans and leases to core deposits | 58.4918% | 5,089 |
| Total domestic deposits to total assets | 88.8916% | 1,339 |
| Equity capital to assets | 8.8486% | 5,444 |
| Core capital (leverage) ratio | 8.4544% | 5,569 |
| Tier 1 risk-based capital ratio | 14.9719% | 3,452 |
| Total risk-based capital ratio | 16.2004% | 3,385 |
| Memoranda: | ||
| Average total assets | $901,602,000 | 783 |
| Average earning assets | $865,593,500 | 742 |
| Average equity | $79,169,000 | 970 |
| Average total loans | $448,840,500 | 1,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,725 |
| Cost of funding earning assets | 0.9084% | 373 |
| Net interest margin | 3.0924% | 5,228 |
| Noninterest income to average assets | 0.5007% | 3,501 |
| Noninterest expense to average assets | 1.9585% | 5,843 |
| Loan and lease loss provision to assets | 0.1002% | 2,484 |
| Net operating income to assets | 1.0746% | 2,074 |
| Return on assets (ROA) | 1.1068% | 2,003 |
| Pretax return on assets | 1.4406% | 1,755 |
| Return on Equity (ROE) | 13.5477% | 1,028 |
| Retained earnings to average equity (ytd only) | 9.5759% | 589 |
| Net charge-offs to loans | 0.1667% | 2,364 |
| Credit loss provision to net charge-offs | 120.2740% | 1,995 |
| Earnings coverage of net charge-offs (x) | 17.9836% | 1,872 |
| Efficiency ratio | 56.6461% | 5,605 |
| Assets per employee ($millions) | 5.2775% | 1,988 |
| Cash dividends to net income (ytd only)* | 29.3171% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,655 |
| Loan loss allowance to noncurrent loans | 232.3020% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 4,041 |
| Noncurrent loans to loans | 0.5428% | 4,033 |
| Net loans and leases to total assets | 49.1441% | 5,048 |
| Net loans and leases to deposits | 55.2924% | 5,225 |
| Net loans and leases to core deposits | 58.4478% | 5,235 |
| Total domestic deposits to total assets | 88.8805% | 1,299 |
| Equity capital to assets | 8.7126% | 5,569 |
| Core capital (leverage) ratio | 8.3128% | 5,764 |
| Tier 1 risk-based capital ratio | 15.1592% | 3,410 |
| Total risk-based capital ratio | 16.4274% | 3,344 |
| Memoranda: | ||
| Average total assets | $875,823,000 | 763 |
| Average earning assets | $837,408,800 | 731 |
| Average equity | $71,554,400 | 1,025 |
| Average total loans | $437,973,000 | 1,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,650 |
| Cost of funding earning assets | 0.9120% | 388 |
| Net interest margin | 3.1155% | 5,211 |
| Noninterest income to average assets | 0.4981% | 3,562 |
| Noninterest expense to average assets | 1.9553% | 5,848 |
| Loan and lease loss provision to assets | 0.0993% | 2,387 |
| Net operating income to assets | 1.0846% | 2,090 |
| Return on assets (ROA) | 1.1177% | 2,030 |
| Pretax return on assets | 1.4621% | 1,770 |
| Return on Equity (ROE) | 13.9183% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.9681% | 718 |
| Net charge-offs to loans | 0.1615% | 2,188 |
| Credit loss provision to net charge-offs | 122.7273% | 1,878 |
| Earnings coverage of net charge-offs (x) | 18.7690% | 1,821 |
| Efficiency ratio | 56.2974% | 5,632 |
| Assets per employee ($millions) | 5.2480% | 1,963 |
| Cash dividends to net income (ytd only)* | 28.3815% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 3,684 |
| Loan loss allowance to noncurrent loans | 299.6257% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,518 |
| Noncurrent loans to loans | 0.4312% | 4,610 |
| Net loans and leases to total assets | 47.9769% | 5,206 |
| Net loans and leases to deposits | 53.6344% | 5,418 |
| Net loans and leases to core deposits | 56.6106% | 5,414 |
| Total domestic deposits to total assets | 89.4518% | 1,006 |
| Equity capital to assets | 8.3824% | 5,886 |
| Core capital (leverage) ratio | 8.2716% | 5,865 |
| Tier 1 risk-based capital ratio | 15.1869% | 3,482 |
| Total risk-based capital ratio | 16.5438% | 3,364 |
| Memoranda: | ||
| Average total assets | $870,484,500 | 769 |
| Average earning assets | $831,258,000 | 736 |
| Average equity | $69,901,250 | 1,051 |
| Average total loans | $435,831,000 | 1,013 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,461 |
| Cost of funding earning assets | 0.9184% | 385 |
| Net interest margin | 3.1527% | 5,082 |
| Noninterest income to average assets | 0.4919% | 3,533 |
| Noninterest expense to average assets | 1.9647% | 5,886 |
| Loan and lease loss provision to assets | 0.0934% | 2,465 |
| Net operating income to assets | 1.0985% | 1,948 |
| Return on assets (ROA) | 1.1195% | 1,937 |
| Pretax return on assets | 1.4693% | 1,637 |
| Return on Equity (ROE) | 14.1549% | 925 |
| Retained earnings to average equity (ytd only) | 10.3261% | 643 |
| Net charge-offs to loans | 0.1058% | 2,625 |
| Credit loss provision to net charge-offs | 174.4589% | 1,306 |
| Earnings coverage of net charge-offs (x) | 28.6840% | 1,298 |
| Efficiency ratio | 56.1366% | 5,735 |
| Assets per employee ($millions) | 5.1419% | 2,035 |
| Cash dividends to net income (ytd only)* | 27.0488% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,910 |
| Loan loss allowance to noncurrent loans | 305.1808% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 5,162 |
| Noncurrent loans to loans | 0.4224% | 4,727 |
| Net loans and leases to total assets | 49.5352% | 5,009 |
| Net loans and leases to deposits | 55.2843% | 5,256 |
| Net loans and leases to core deposits | 58.3255% | 5,249 |
| Total domestic deposits to total assets | 89.6010% | 1,017 |
| Equity capital to assets | 8.1949% | 6,030 |
| Core capital (leverage) ratio | 8.1848% | 5,945 |
| Tier 1 risk-based capital ratio | 14.7740% | 3,766 |
| Total risk-based capital ratio | 16.1476% | 3,636 |
| Memoranda: | ||
| Average total assets | $863,257,000 | 777 |
| Average earning assets | $823,605,000 | 745 |
| Average equity | $68,273,330 | 1,072 |
| Average total loans | $436,562,330 | 1,011 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 3,266 |
| Cost of funding earning assets | 0.9284% | 391 |
| Net interest margin | 3.1750% | 5,003 |
| Noninterest income to average assets | 0.4831% | 3,544 |
| Noninterest expense to average assets | 1.9766% | 5,928 |
| Loan and lease loss provision to assets | 0.0769% | 2,604 |
| Net operating income to assets | 1.1142% | 1,754 |
| Return on assets (ROA) | 1.1298% | 1,764 |
| Pretax return on assets | 1.4782% | 1,493 |
| Return on Equity (ROE) | 14.5540% | 850 |
| Retained earnings to average equity (ytd only) | 9.9409% | 980 |
| Net charge-offs to loans | 0.0386% | 2,843 |
| Credit loss provision to net charge-offs | 392.8571% | 662 |
| Earnings coverage of net charge-offs (x) | 78.3571% | 547 |
| Efficiency ratio | 56.2948% | 5,812 |
| Assets per employee ($millions) | 5.1611% | 2,052 |
| Cash dividends to net income (ytd only)* | 31.6962% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,223 |
| Loan loss allowance to noncurrent loans | 375.9893% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 5,291 |
| Noncurrent loans to loans | 0.3406% | 5,096 |
| Net loans and leases to total assets | 50.1427% | 4,896 |
| Net loans and leases to deposits | 55.9468% | 5,118 |
| Net loans and leases to core deposits | 59.1622% | 5,109 |
| Total domestic deposits to total assets | 89.6257% | 1,298 |
| Equity capital to assets | 7.9005% | 6,122 |
| Core capital (leverage) ratio | 8.0840% | 6,056 |
| Tier 1 risk-based capital ratio | 14.4320% | 4,039 |
| Total risk-based capital ratio | 15.8019% | 3,926 |
| Memoranda: | ||
| Average total assets | $857,826,000 | 791 |
| Average earning assets | $818,149,000 | 758 |
| Average equity | $66,593,500 | 1,099 |
| Average total loans | $435,517,500 | 1,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,861 |
| Cost of funding earning assets | 1.0380% | 378 |
| Net interest margin | 3.0282% | 5,510 |
| Noninterest income to average assets | 0.5006% | 3,753 |
| Noninterest expense to average assets | 1.9484% | 6,109 |
| Loan and lease loss provision to assets | 0.0981% | 3,161 |
| Net operating income to assets | 1.0385% | 2,167 |
| Return on assets (ROA) | 1.0980% | 2,009 |
| Pretax return on assets | 1.4230% | 1,707 |
| Return on Equity (ROE) | 14.1789% | 909 |
| Retained earnings to average equity (ytd only) | 10.3875% | 505 |
| Net charge-offs to loans | 0.1149% | 3,664 |
| Credit loss provision to net charge-offs | 172.6695% | 1,323 |
| Earnings coverage of net charge-offs (x) | 25.4216% | 1,328 |
| Efficiency ratio | 57.4368% | 5,800 |
| Assets per employee ($millions) | 5.0818% | 2,090 |
| Cash dividends to net income (ytd only)* | 26.7397% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,317 |
| Loan loss allowance to noncurrent loans | 350.7997% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 5,301 |
| Noncurrent loans to loans | 0.3608% | 5,105 |
| Net loans and leases to total assets | 50.1042% | 5,072 |
| Net loans and leases to deposits | 56.0371% | 5,301 |
| Net loans and leases to core deposits | 59.0102% | 5,306 |
| Total domestic deposits to total assets | 89.4127% | 1,380 |
| Equity capital to assets | 7.6243% | 6,225 |
| Core capital (leverage) ratio | 7.9117% | 6,196 |
| Tier 1 risk-based capital ratio | 14.1404% | 4,199 |
| Total risk-based capital ratio | 15.4891% | 4,067 |
| Memoranda: | ||
| Average total assets | $831,038,800 | 799 |
| Average earning assets | $793,573,800 | 761 |
| Average equity | $64,356,000 | 1,111 |
| Average total loans | $410,845,000 | 1,037 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 4,042 |
| Cost of funding earning assets | 1.0500% | 391 |
| Net interest margin | 2.9728% | 5,658 |
| Noninterest income to average assets | 0.4971% | 3,826 |
| Noninterest expense to average assets | 1.9209% | 6,151 |
| Loan and lease loss provision to assets | 0.0913% | 3,242 |
| Net operating income to assets | 1.0134% | 2,325 |
| Return on assets (ROA) | 1.0936% | 2,109 |
| Pretax return on assets | 1.4290% | 1,836 |
| Return on Equity (ROE) | 14.0660% | 980 |
| Retained earnings to average equity (ytd only) | 11.6164% | 485 |
| Net charge-offs to loans | 0.1481% | 3,060 |
| Credit loss provision to net charge-offs | 125.5556% | 1,873 |
| Earnings coverage of net charge-offs (x) | 19.4798% | 1,628 |
| Efficiency ratio | 57.5640% | 5,740 |
| Assets per employee ($millions) | 5.1353% | 2,011 |
| Cash dividends to net income (ytd only)* | 17.4151% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,708 |
| Loan loss allowance to noncurrent loans | 247.8302% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 5,302 |
| Noncurrent loans to loans | 0.4988% | 4,948 |
| Net loans and leases to total assets | 48.9427% | 5,253 |
| Net loans and leases to deposits | 54.1306% | 5,529 |
| Net loans and leases to core deposits | 56.9731% | 5,532 |
| Total domestic deposits to total assets | 90.4160% | 778 |
| Equity capital to assets | 7.4514% | 6,410 |
| Core capital (leverage) ratio | 7.9464% | 6,260 |
| Tier 1 risk-based capital ratio | 14.1382% | 4,330 |
| Total risk-based capital ratio | 15.5306% | 4,173 |
| Memoranda: | ||
| Average total assets | $825,362,000 | 810 |
| Average earning assets | $788,455,500 | 771 |
| Average equity | $64,172,000 | 1,128 |
| Average total loans | $405,244,750 | 1,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,963 |
| Cost of funding earning assets | 1.0671% | 394 |
| Net interest margin | 2.9721% | 5,638 |
| Noninterest income to average assets | 0.4950% | 3,869 |
| Noninterest expense to average assets | 1.9184% | 6,188 |
| Loan and lease loss provision to assets | 0.0921% | 3,247 |
| Net operating income to assets | 1.0057% | 2,309 |
| Return on assets (ROA) | 1.0999% | 2,045 |
| Pretax return on assets | 1.4495% | 1,766 |
| Return on Equity (ROE) | 13.9430% | 1,018 |
| Retained earnings to average equity (ytd only) | 10.2736% | 788 |
| Net charge-offs to loans | 0.2032% | 2,538 |
| Credit loss provision to net charge-offs | 92.5926% | 2,382 |
| Earnings coverage of net charge-offs (x) | 14.2568% | 1,835 |
| Efficiency ratio | 57.5066% | 5,796 |
| Assets per employee ($millions) | 5.0277% | 2,080 |
| Cash dividends to net income (ytd only)* | 26.3170% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,680 |
| Loan loss allowance to noncurrent loans | 341.0547% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,497 |
| Noncurrent loans to loans | 0.3703% | 5,351 |
| Net loans and leases to total assets | 48.7427% | 5,252 |
| Net loans and leases to deposits | 54.0653% | 5,514 |
| Net loans and leases to core deposits | 57.0477% | 5,522 |
| Total domestic deposits to total assets | 90.1552% | 948 |
| Equity capital to assets | 7.6206% | 6,405 |
| Core capital (leverage) ratio | 7.8160% | 6,295 |
| Tier 1 risk-based capital ratio | 14.1935% | 4,297 |
| Total risk-based capital ratio | 15.5988% | 4,149 |
| Memoranda: | ||
| Average total assets | $814,618,000 | 820 |
| Average earning assets | $778,712,330 | 778 |
| Average equity | $64,261,670 | 1,133 |
| Average total loans | $398,665,000 | 1,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 3,892 |
| Cost of funding earning assets | 1.0851% | 401 |
| Net interest margin | 2.9738% | 5,639 |
| Noninterest income to average assets | 0.4787% | 3,934 |
| Noninterest expense to average assets | 1.8947% | 6,281 |
| Loan and lease loss provision to assets | 0.0739% | 3,398 |
| Net operating income to assets | 1.0218% | 2,135 |
| Return on assets (ROA) | 1.1131% | 1,917 |
| Pretax return on assets | 1.4770% | 1,626 |
| Return on Equity (ROE) | 13.8722% | 985 |
| Retained earnings to average equity (ytd only) | 12.6445% | 604 |
| Net charge-offs to loans | 0.1971% | 2,232 |
| Credit loss provision to net charge-offs | 76.9231% | 2,196 |
| Earnings coverage of net charge-offs (x) | 14.8821% | 1,428 |
| Efficiency ratio | 57.0010% | 5,966 |
| Assets per employee ($millions) | 4.9459% | 2,289 |
| Cash dividends to net income (ytd only)* | 8.8496% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,764 |
| Loan loss allowance to noncurrent loans | 385.4009% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 5,801 |
| Noncurrent loans to loans | 0.3343% | 5,568 |
| Net loans and leases to total assets | 47.8317% | 5,245 |
| Net loans and leases to deposits | 53.3652% | 5,489 |
| Net loans and leases to core deposits | 56.3439% | 5,495 |
| Total domestic deposits to total assets | 89.6309% | 1,273 |
| Equity capital to assets | 8.0892% | 6,335 |
| Core capital (leverage) ratio | 7.7575% | 6,321 |
| Tier 1 risk-based capital ratio | 14.2544% | 4,320 |
| Total risk-based capital ratio | 15.6844% | 4,188 |
| Memoranda: | ||
| Average total assets | $812,169,000 | 824 |
| Average earning assets | $777,040,500 | 786 |
| Average equity | $65,166,500 | 1,131 |
| Average total loans | $395,716,000 | 1,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 3,900 |
| Cost of funding earning assets | 1.2602% | 437 |
| Net interest margin | 3.1193% | 5,767 |
| Noninterest income to average assets | 0.5315% | 3,699 |
| Noninterest expense to average assets | 1.9360% | 6,445 |
| Loan and lease loss provision to assets | 0.0517% | 5,165 |
| Net operating income to assets | 1.1480% | 1,779 |
| Return on assets (ROA) | 1.1172% | 2,051 |
| Pretax return on assets | 1.4738% | 1,767 |
| Return on Equity (ROE) | 14.1352% | 970 |
| Retained earnings to average equity (ytd only) | 10.5144% | 500 |
| Net charge-offs to loans | 0.0499% | 5,216 |
| Credit loss provision to net charge-offs | 209.4241% | 1,217 |
| Earnings coverage of net charge-offs (x) | 63.4921% | 563 |
| Efficiency ratio | 55.2823% | 6,141 |
| Assets per employee ($millions) | 4.8111% | 2,475 |
| Cash dividends to net income (ytd only)* | 25.6155% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 4,643 |
| Loan loss allowance to noncurrent loans | 436.7035% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,936 |
| Noncurrent loans to loans | 0.2972% | 5,736 |
| Net loans and leases to total assets | 48.3573% | 5,371 |
| Net loans and leases to deposits | 54.0027% | 5,649 |
| Net loans and leases to core deposits | 56.9492% | 5,634 |
| Total domestic deposits to total assets | 89.5461% | 1,220 |
| Equity capital to assets | 7.9577% | 6,428 |
| Core capital (leverage) ratio | 7.5178% | 6,495 |
| Tier 1 risk-based capital ratio | 13.7775% | 4,551 |
| Total risk-based capital ratio | 15.2157% | 4,371 |
| Memoranda: | ||
| Average total assets | $774,376,200 | 853 |
| Average earning assets | $737,439,200 | 810 |
| Average equity | $61,202,000 | 1,166 |
| Average total loans | $382,971,400 | 1,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 3,846 |
| Cost of funding earning assets | 1.2825% | 478 |
| Net interest margin | 3.1634% | 5,791 |
| Noninterest income to average assets | 0.5304% | 3,743 |
| Noninterest expense to average assets | 1.9360% | 6,463 |
| Loan and lease loss provision to assets | 0.0540% | 5,070 |
| Net operating income to assets | 1.1711% | 1,827 |
| Return on assets (ROA) | 1.1416% | 2,135 |
| Pretax return on assets | 1.5117% | 1,838 |
| Return on Equity (ROE) | 14.4710% | 1,007 |
| Retained earnings to average equity (ytd only) | 11.6885% | 583 |
| Net charge-offs to loans | 0.0520% | 4,929 |
| Credit loss provision to net charge-offs | 209.4595% | 1,319 |
| Earnings coverage of net charge-offs (x) | 62.2765% | 634 |
| Efficiency ratio | 54.6809% | 6,180 |
| Assets per employee ($millions) | 5.0488% | 2,123 |
| Cash dividends to net income (ytd only)* | 19.2284% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,746 |
| Loan loss allowance to noncurrent loans | 531.6284% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 6,106 |
| Noncurrent loans to loans | 0.2474% | 5,994 |
| Net loans and leases to total assets | 47.6043% | 5,596 |
| Net loans and leases to deposits | 53.1886% | 5,877 |
| Net loans and leases to core deposits | 56.2427% | 5,874 |
| Total domestic deposits to total assets | 89.5010% | 1,125 |
| Equity capital to assets | 7.9663% | 6,611 |
| Core capital (leverage) ratio | 7.6008% | 6,561 |
| Tier 1 risk-based capital ratio | 13.8261% | 4,674 |
| Total risk-based capital ratio | 15.3765% | 4,394 |
| Memoranda: | ||
| Average total assets | $765,905,250 | 873 |
| Average earning assets | $728,786,750 | 826 |
| Average equity | $60,422,750 | 1,188 |
| Average total loans | $379,716,000 | 1,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 3,661 |
| Cost of funding earning assets | 1.3180% | 482 |
| Net interest margin | 3.2079% | 5,711 |
| Noninterest income to average assets | 0.5207% | 3,784 |
| Noninterest expense to average assets | 1.9633% | 6,498 |
| Loan and lease loss provision to assets | 0.0584% | 4,924 |
| Net operating income to assets | 1.1560% | 1,860 |
| Return on assets (ROA) | 1.1518% | 2,085 |
| Pretax return on assets | 1.5408% | 1,744 |
| Return on Equity (ROE) | 14.6505% | 992 |
| Retained earnings to average equity (ytd only) | 10.3938% | 871 |
| Net charge-offs to loans | 0.0557% | 4,637 |
| Credit loss provision to net charge-offs | 209.5238% | 1,345 |
| Earnings coverage of net charge-offs (x) | 57.5905% | 658 |
| Efficiency ratio | 55.0242% | 6,227 |
| Assets per employee ($millions) | 4.8395% | 2,374 |
| Cash dividends to net income (ytd only)* | 29.0553% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,824 |
| Loan loss allowance to noncurrent loans | 284.6024% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,980 |
| Noncurrent loans to loans | 0.4622% | 5,610 |
| Net loans and leases to total assets | 48.5810% | 5,553 |
| Net loans and leases to deposits | 54.2218% | 5,846 |
| Net loans and leases to core deposits | 57.2459% | 5,838 |
| Total domestic deposits to total assets | 89.5968% | 1,162 |
| Equity capital to assets | 7.8068% | 6,674 |
| Core capital (leverage) ratio | 7.5295% | 6,612 |
| Tier 1 risk-based capital ratio | 13.4883% | 4,833 |
| Total risk-based capital ratio | 15.0529% | 4,568 |
| Memoranda: | ||
| Average total assets | $753,622,000 | 890 |
| Average earning assets | $715,928,330 | 840 |
| Average equity | $59,247,000 | 1,202 |
| Average total loans | $377,208,330 | 1,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 3,226 |
| Cost of funding earning assets | 1.3569% | 496 |
| Net interest margin | 3.3003% | 5,480 |
| Noninterest income to average assets | 0.5178% | 3,793 |
| Noninterest expense to average assets | 1.9750% | 6,513 |
| Loan and lease loss provision to assets | 0.0864% | 4,299 |
| Net operating income to assets | 1.1890% | 1,770 |
| Return on assets (ROA) | 1.1684% | 2,012 |
| Pretax return on assets | 1.5674% | 1,675 |
| Return on Equity (ROE) | 14.8075% | 1,012 |
| Retained earnings to average equity (ytd only) | 13.7811% | 590 |
| Net charge-offs to loans | 0.0995% | 3,542 |
| Credit loss provision to net charge-offs | 172.0430% | 1,486 |
| Earnings coverage of net charge-offs (x) | 33.4839% | 849 |
| Efficiency ratio | 54.0165% | 6,347 |
| Assets per employee ($millions) | 4.6373% | 2,754 |
| Cash dividends to net income (ytd only)* | 6.9316% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,865 |
| Loan loss allowance to noncurrent loans | 387.7424% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 6,269 |
| Noncurrent loans to loans | 0.3439% | 5,983 |
| Net loans and leases to total assets | 49.2340% | 5,397 |
| Net loans and leases to deposits | 55.1037% | 5,697 |
| Net loans and leases to core deposits | 57.7248% | 5,736 |
| Total domestic deposits to total assets | 89.3478% | 1,454 |
| Equity capital to assets | 7.9433% | 6,557 |
| Core capital (leverage) ratio | 7.6073% | 6,565 |
| Tier 1 risk-based capital ratio | 13.5331% | 4,804 |
| Total risk-based capital ratio | 15.1197% | 4,534 |
| Memoranda: | ||
| Average total assets | $740,854,000 | 907 |
| Average earning assets | $704,538,500 | 858 |
| Average equity | $58,457,000 | 1,216 |
| Average total loans | $374,028,000 | 1,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 3,833 |
| Cost of funding earning assets | 1.4874% | 749 |
| Net interest margin | 3.3080% | 5,785 |
| Noninterest income to average assets | 0.5464% | 3,537 |
| Noninterest expense to average assets | 2.0196% | 6,643 |
| Loan and lease loss provision to assets | 0.1171% | 5,136 |
| Net operating income to assets | 1.1604% | 1,637 |
| Return on assets (ROA) | 1.0900% | 1,992 |
| Pretax return on assets | 1.4552% | 1,614 |
| Return on Equity (ROE) | 14.4901% | 829 |
| Retained earnings to average equity (ytd only) | 11.1833% | 382 |
| Net charge-offs to loans | 0.1153% | 5,223 |
| Credit loss provision to net charge-offs | 198.3133% | 1,278 |
| Earnings coverage of net charge-offs (x) | 28.2289% | 881 |
| Efficiency ratio | 54.7945% | 6,442 |
| Assets per employee ($millions) | 4.6824% | 2,629 |
| Cash dividends to net income (ytd only)* | 22.8210% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,799 |
| Loan loss allowance to noncurrent loans | 246.0579% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 6,002 |
| Noncurrent loans to loans | 0.5370% | 5,639 |
| Net loans and leases to total assets | 50.4145% | 5,536 |
| Net loans and leases to deposits | 56.3725% | 5,852 |
| Net loans and leases to core deposits | 59.1061% | 5,925 |
| Total domestic deposits to total assets | 89.4309% | 1,304 |
| Equity capital to assets | 7.8361% | 6,665 |
| Core capital (leverage) ratio | 7.4156% | 6,694 |
| Tier 1 risk-based capital ratio | 13.0972% | 4,996 |
| Total risk-based capital ratio | 14.6774% | 4,718 |
| Memoranda: | ||
| Average total assets | $703,116,200 | 928 |
| Average earning assets | $667,252,600 | 892 |
| Average equity | $52,891,400 | 1,285 |
| Average total loans | $359,842,800 | 1,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 3,877 |
| Cost of funding earning assets | 1.5022% | 854 |
| Net interest margin | 3.3290% | 5,775 |
| Noninterest income to average assets | 0.5456% | 3,543 |
| Noninterest expense to average assets | 2.0355% | 6,619 |
| Loan and lease loss provision to assets | 0.1091% | 5,074 |
| Net operating income to assets | 1.1642% | 1,765 |
| Return on assets (ROA) | 1.0967% | 2,131 |
| Pretax return on assets | 1.4703% | 1,734 |
| Return on Equity (ROE) | 14.7397% | 884 |
| Retained earnings to average equity (ytd only) | 12.6730% | 413 |
| Net charge-offs to loans | 0.0827% | 5,148 |
| Credit loss provision to net charge-offs | 257.9186% | 1,107 |
| Earnings coverage of net charge-offs (x) | 39.4479% | 778 |
| Efficiency ratio | 54.9411% | 6,392 |
| Assets per employee ($millions) | 4.7145% | 2,605 |
| Cash dividends to net income (ytd only)* | 14.0213% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,807 |
| Loan loss allowance to noncurrent loans | 171.1275% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 5,860 |
| Noncurrent loans to loans | 0.7845% | 5,311 |
| Net loans and leases to total assets | 48.9934% | 5,835 |
| Net loans and leases to deposits | 54.7616% | 6,140 |
| Net loans and leases to core deposits | 57.3353% | 6,193 |
| Total domestic deposits to total assets | 89.4666% | 1,156 |
| Equity capital to assets | 7.7896% | 6,806 |
| Core capital (leverage) ratio | 7.4082% | 6,809 |
| Tier 1 risk-based capital ratio | 13.1744% | 4,966 |
| Total risk-based capital ratio | 14.8846% | 4,599 |
| Memoranda: | ||
| Average total assets | $696,280,000 | 941 |
| Average earning assets | $660,808,000 | 905 |
| Average equity | $51,804,250 | 1,316 |
| Average total loans | $356,506,250 | 1,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 3,748 |
| Cost of funding earning assets | 1.5272% | 910 |
| Net interest margin | 3.3452% | 5,724 |
| Noninterest income to average assets | 0.5464% | 3,498 |
| Noninterest expense to average assets | 2.0579% | 6,679 |
| Loan and lease loss provision to assets | 0.1139% | 4,869 |
| Net operating income to assets | 1.1506% | 1,716 |
| Return on assets (ROA) | 1.0979% | 1,964 |
| Pretax return on assets | 1.4746% | 1,600 |
| Return on Equity (ROE) | 15.0066% | 803 |
| Retained earnings to average equity (ytd only) | 11.8009% | 543 |
| Net charge-offs to loans | 0.0694% | 4,945 |
| Credit loss provision to net charge-offs | 317.0732% | 959 |
| Earnings coverage of net charge-offs (x) | 46.2033% | 668 |
| Efficiency ratio | 55.3539% | 6,477 |
| Assets per employee ($millions) | 4.5165% | 2,807 |
| Cash dividends to net income (ytd only)* | 21.3621% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,894 |
| Loan loss allowance to noncurrent loans | 218.5675% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 6,066 |
| Noncurrent loans to loans | 0.6109% | 5,700 |
| Net loans and leases to total assets | 50.5669% | 5,744 |
| Net loans and leases to deposits | 56.4306% | 6,098 |
| Net loans and leases to core deposits | 59.2947% | 6,162 |
| Total domestic deposits to total assets | 89.6089% | 1,182 |
| Equity capital to assets | 7.5173% | 6,938 |
| Core capital (leverage) ratio | 7.3940% | 6,812 |
| Tier 1 risk-based capital ratio | 12.8244% | 5,073 |
| Total risk-based capital ratio | 14.5268% | 4,682 |
| Memoranda: | ||
| Average total assets | $684,788,670 | 967 |
| Average earning assets | $649,173,670 | 931 |
| Average equity | $50,098,000 | 1,342 |
| Average total loans | $354,377,330 | 1,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 3,886 |
| Cost of funding earning assets | 1.5503% | 976 |
| Net interest margin | 3.2868% | 5,825 |
| Noninterest income to average assets | 0.5399% | 3,580 |
| Noninterest expense to average assets | 2.0645% | 6,704 |
| Loan and lease loss provision to assets | 0.1004% | 4,755 |
| Net operating income to assets | 1.1015% | 1,839 |
| Return on assets (ROA) | 1.0556% | 2,039 |
| Pretax return on assets | 1.4301% | 1,647 |
| Return on Equity (ROE) | 14.6373% | 880 |
| Retained earnings to average equity (ytd only) | 14.6373% | 424 |
| Net charge-offs to loans | 0.0647% | 4,281 |
| Credit loss provision to net charge-offs | 298.2456% | 1,081 |
| Earnings coverage of net charge-offs (x) | 47.2982% | 600 |
| Efficiency ratio | 56.4529% | 6,451 |
| Assets per employee ($millions) | 4.4555% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 5,108 |
| Loan loss allowance to noncurrent loans | 238.2323% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 6,341 |
| Noncurrent loans to loans | 0.5475% | 5,929 |
| Net loans and leases to total assets | 51.1264% | 5,700 |
| Net loans and leases to deposits | 57.1262% | 6,012 |
| Net loans and leases to core deposits | 60.2259% | 6,077 |
| Total domestic deposits to total assets | 89.4972% | 1,483 |
| Equity capital to assets | 7.2717% | 6,988 |
| Core capital (leverage) ratio | 7.3870% | 6,801 |
| Tier 1 risk-based capital ratio | 12.6042% | 5,161 |
| Total risk-based capital ratio | 14.2772% | 4,792 |
| Memoranda: | ||
| Average total assets | $677,152,500 | 991 |
| Average earning assets | $642,211,500 | 948 |
| Average equity | $48,834,000 | 1,365 |
| Average total loans | $352,171,000 | 1,243 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 4,192 |
| Cost of funding earning assets | 1.7905% | 1,208 |
| Net interest margin | 3.2877% | 6,021 |
| Noninterest income to average assets | 0.6074% | 3,428 |
| Noninterest expense to average assets | 2.1020% | 6,839 |
| Loan and lease loss provision to assets | 0.1148% | 6,009 |
| Net operating income to assets | 1.1214% | 1,637 |
| Return on assets (ROA) | 1.0098% | 2,113 |
| Pretax return on assets | 1.3527% | 1,789 |
| Return on Equity (ROE) | 13.8585% | 914 |
| Retained earnings to average equity (ytd only) | 10.6355% | 421 |
| Net charge-offs to loans | 0.1114% | 5,761 |
| Credit loss provision to net charge-offs | 191.9060% | 1,673 |
| Earnings coverage of net charge-offs (x) | 27.0261% | 806 |
| Efficiency ratio | 56.5321% | 6,521 |
| Assets per employee ($millions) | 4.2830% | 3,242 |
| Cash dividends to net income (ytd only)* | 23.2565% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 5,024 |
| Loan loss allowance to noncurrent loans | 249.7515% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 6,319 |
| Noncurrent loans to loans | 0.5191% | 6,002 |
| Net loans and leases to total assets | 51.5419% | 5,985 |
| Net loans and leases to deposits | 57.6397% | 6,290 |
| Net loans and leases to core deposits | 60.9361% | 6,321 |
| Total domestic deposits to total assets | 89.4208% | 1,425 |
| Equity capital to assets | 7.1500% | 7,063 |
| Core capital (leverage) ratio | 7.1200% | 6,961 |
| Tier 1 risk-based capital ratio | 12.0192% | 5,454 |
| Total risk-based capital ratio | 13.6643% | 5,076 |
| Memoranda: | ||
| Average total assets | $640,432,000 | 1,045 |
| Average earning assets | $605,991,600 | 1,001 |
| Average equity | $46,664,600 | 1,438 |
| Average total loans | $343,684,200 | 1,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 4,051 |
| Cost of funding earning assets | 1.8256% | 1,320 |
| Net interest margin | 3.3300% | 5,925 |
| Noninterest income to average assets | 0.6169% | 3,340 |
| Noninterest expense to average assets | 2.0964% | 6,854 |
| Loan and lease loss provision to assets | 0.1231% | 5,796 |
| Net operating income to assets | 1.1463% | 1,744 |
| Return on assets (ROA) | 1.0441% | 2,197 |
| Pretax return on assets | 1.4080% | 1,858 |
| Return on Equity (ROE) | 14.2592% | 981 |
| Retained earnings to average equity (ytd only) | 12.1783% | 439 |
| Net charge-offs to loans | 0.0935% | 5,592 |
| Credit loss provision to net charge-offs | 243.7500% | 1,380 |
| Earnings coverage of net charge-offs (x) | 33.0460% | 812 |
| Efficiency ratio | 55.6729% | 6,605 |
| Assets per employee ($millions) | 4.3410% | 3,186 |
| Cash dividends to net income (ytd only)* | 14.5938% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 5,004 |
| Loan loss allowance to noncurrent loans | 211.5222% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 6,198 |
| Noncurrent loans to loans | 0.6115% | 5,983 |
| Net loans and leases to total assets | 52.2330% | 6,069 |
| Net loans and leases to deposits | 58.7651% | 6,402 |
| Net loans and leases to core deposits | 62.1401% | 6,454 |
| Total domestic deposits to total assets | 88.8844% | 1,454 |
| Equity capital to assets | 7.3262% | 7,215 |
| Core capital (leverage) ratio | 7.2016% | 7,059 |
| Tier 1 risk-based capital ratio | 11.9243% | 5,533 |
| Total risk-based capital ratio | 13.5861% | 5,110 |
| Memoranda: | ||
| Average total assets | $633,502,000 | 1,063 |
| Average earning assets | $599,030,250 | 1,016 |
| Average equity | $46,387,500 | 1,456 |
| Average total loans | $342,380,000 | 1,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 3,933 |
| Cost of funding earning assets | 1.8658% | 1,351 |
| Net interest margin | 3.3389% | 5,878 |
| Noninterest income to average assets | 0.6291% | 3,135 |
| Noninterest expense to average assets | 2.1088% | 6,876 |
| Loan and lease loss provision to assets | 0.1361% | 5,529 |
| Net operating income to assets | 1.1290% | 1,765 |
| Return on assets (ROA) | 1.0385% | 2,129 |
| Pretax return on assets | 1.4147% | 1,800 |
| Return on Equity (ROE) | 14.1857% | 1,001 |
| Retained earnings to average equity (ytd only) | 11.0197% | 654 |
| Net charge-offs to loans | 0.1164% | 5,008 |
| Credit loss provision to net charge-offs | 214.6465% | 1,814 |
| Earnings coverage of net charge-offs (x) | 26.4192% | 1,002 |
| Efficiency ratio | 55.7370% | 6,670 |
| Assets per employee ($millions) | 4.3118% | 3,187 |
| Cash dividends to net income (ytd only)* | 22.3181% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 5,064 |
| Loan loss allowance to noncurrent loans | 160.2770% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 5,969 |
| Noncurrent loans to loans | 0.7950% | 5,688 |
| Net loans and leases to total assets | 53.0384% | 6,104 |
| Net loans and leases to deposits | 59.8200% | 6,429 |
| Net loans and leases to core deposits | 63.4277% | 6,453 |
| Total domestic deposits to total assets | 88.6633% | 1,636 |
| Equity capital to assets | 7.5172% | 7,103 |
| Core capital (leverage) ratio | 7.0855% | 7,142 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,649 |
| Total risk-based capital ratio | 13.2793% | 5,247 |
| Memoranda: | ||
| Average total assets | $624,723,000 | 1,079 |
| Average earning assets | $590,199,670 | 1,037 |
| Average equity | $45,736,330 | 1,472 |
| Average total loans | $340,116,670 | 1,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 3,859 |
| Cost of funding earning assets | 1.9241% | 1,352 |
| Net interest margin | 3.3093% | 5,937 |
| Noninterest income to average assets | 0.6183% | 3,151 |
| Noninterest expense to average assets | 2.1174% | 6,891 |
| Loan and lease loss provision to assets | 0.1429% | 5,120 |
| Net operating income to assets | 1.0943% | 1,845 |
| Return on assets (ROA) | 1.0275% | 2,141 |
| Pretax return on assets | 1.3867% | 1,813 |
| Return on Equity (ROE) | 14.2340% | 1,010 |
| Retained earnings to average equity (ytd only) | 14.2340% | 480 |
| Net charge-offs to loans | 0.1528% | 4,016 |
| Credit loss provision to net charge-offs | 170.5426% | 2,132 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,206 |
| Efficiency ratio | 56.6562% | 6,675 |
| Assets per employee ($millions) | 4.1657% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,172 |
| Loan loss allowance to noncurrent loans | 144.0838% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 5,887 |
| Noncurrent loans to loans | 0.8719% | 5,573 |
| Net loans and leases to total assets | 53.2560% | 6,121 |
| Net loans and leases to deposits | 60.0098% | 6,468 |
| Net loans and leases to core deposits | 63.7052% | 6,471 |
| Total domestic deposits to total assets | 88.7454% | 1,647 |
| Equity capital to assets | 7.2521% | 7,251 |
| Core capital (leverage) ratio | 7.1658% | 7,136 |
| Tier 1 risk-based capital ratio | 11.3878% | 5,780 |
| Total risk-based capital ratio | 13.0035% | 5,387 |
| Memoranda: | ||
| Average total assets | $615,853,000 | 1,114 |
| Average earning assets | $580,428,500 | 1,079 |
| Average equity | $44,457,000 | 1,508 |
| Average total loans | $337,600,000 | 1,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5221% | 4,028 |
| Cost of funding earning assets | 2.3574% | 1,434 |
| Net interest margin | 3.1647% | 6,191 |
| Noninterest income to average assets | 0.6779% | 3,096 |
| Noninterest expense to average assets | 2.1771% | 7,042 |
| Loan and lease loss provision to assets | 0.1262% | 6,376 |
| Net operating income to assets | 1.0020% | 1,833 |
| Return on assets (ROA) | 0.9450% | 2,081 |
| Pretax return on assets | 1.2610% | 1,807 |
| Return on Equity (ROE) | 12.9964% | 958 |
| Retained earnings to average equity (ytd only) | 9.0759% | 485 |
| Net charge-offs to loans | 0.0864% | 6,257 |
| Credit loss provision to net charge-offs | 258.8448% | 1,357 |
| Earnings coverage of net charge-offs (x) | 30.0036% | 762 |
| Efficiency ratio | 59.8036% | 6,514 |
| Assets per employee ($millions) | 4.0722% | 3,669 |
| Cash dividends to net income (ytd only)* | 30.1658% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 5,117 |
| Loan loss allowance to noncurrent loans | 137.8387% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 5,696 |
| Noncurrent loans to loans | 0.9007% | 5,508 |
| Net loans and leases to total assets | 55.0496% | 6,077 |
| Net loans and leases to deposits | 62.3003% | 6,431 |
| Net loans and leases to core deposits | 73.9382% | 6,535 |
| Total domestic deposits to total assets | 88.3617% | 1,787 |
| Equity capital to assets | 7.1839% | 7,268 |
| Core capital (leverage) ratio | 7.0136% | 7,224 |
| Tier 1 risk-based capital ratio | 11.0844% | 5,843 |
| Total risk-based capital ratio | 12.6975% | 5,417 |
| Memoranda: | ||
| Average total assets | $567,951,200 | 1,222 |
| Average earning assets | $531,677,200 | 1,196 |
| Average equity | $41,296,200 | 1,618 |
| Average total loans | $320,635,200 | 1,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 4,242 |
| Cost of funding earning assets | 2.4308% | 1,520 |
| Net interest margin | 3.1041% | 6,308 |
| Noninterest income to average assets | 0.6811% | 3,149 |
| Noninterest expense to average assets | 2.1919% | 7,000 |
| Loan and lease loss provision to assets | 0.1109% | 6,261 |
| Net operating income to assets | 0.9560% | 2,215 |
| Return on assets (ROA) | 0.9426% | 2,324 |
| Pretax return on assets | 1.2654% | 2,060 |
| Return on Equity (ROE) | 12.9225% | 1,129 |
| Retained earnings to average equity (ytd only) | 9.9223% | 653 |
| Net charge-offs to loans | 0.0694% | 5,995 |
| Credit loss provision to net charge-offs | 281.8182% | 1,494 |
| Earnings coverage of net charge-offs (x) | 35.4492% | 823 |
| Efficiency ratio | 61.1181% | 6,251 |
| Assets per employee ($millions) | 4.1300% | 3,511 |
| Cash dividends to net income (ytd only)* | 23.2170% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 4,990 |
| Loan loss allowance to noncurrent loans | 120.3284% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 5,444 |
| Noncurrent loans to loans | 1.0164% | 5,275 |
| Net loans and leases to total assets | 54.3667% | 6,340 |
| Net loans and leases to deposits | 61.9354% | 6,679 |
| Net loans and leases to core deposits | 74.0578% | 6,726 |
| Total domestic deposits to total assets | 87.7796% | 1,759 |
| Equity capital to assets | 7.2166% | 7,475 |
| Core capital (leverage) ratio | 7.0587% | 7,394 |
| Tier 1 risk-based capital ratio | 11.0204% | 5,933 |
| Total risk-based capital ratio | 12.0849% | 6,083 |
| Memoranda: | ||
| Average total assets | $559,266,250 | 1,247 |
| Average earning assets | $523,426,500 | 1,222 |
| Average equity | $40,796,000 | 1,655 |
| Average total loans | $316,806,500 | 1,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 4,382 |
| Cost of funding earning assets | 2.4903% | 1,650 |
| Net interest margin | 3.0503% | 6,402 |
| Noninterest income to average assets | 0.6794% | 3,121 |
| Noninterest expense to average assets | 2.2444% | 6,935 |
| Loan and lease loss provision to assets | 0.1026% | 6,146 |
| Net operating income to assets | 0.8918% | 2,485 |
| Return on assets (ROA) | 0.9094% | 2,520 |
| Pretax return on assets | 1.2145% | 2,257 |
| Return on Equity (ROE) | 12.4183% | 1,305 |
| Retained earnings to average equity (ytd only) | 7.8271% | 1,268 |
| Net charge-offs to loans | 0.0819% | 5,384 |
| Credit loss provision to net charge-offs | 218.7500% | 2,103 |
| Earnings coverage of net charge-offs (x) | 27.5938% | 1,053 |
| Efficiency ratio | 63.4369% | 6,015 |
| Assets per employee ($millions) | 3.9464% | 3,782 |
| Cash dividends to net income (ytd only)* | 36.9714% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,777 |
| Loan loss allowance to noncurrent loans | 215.9622% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,848 |
| Noncurrent loans to loans | 0.5677% | 6,131 |
| Net loans and leases to total assets | 53.9214% | 6,464 |
| Net loans and leases to deposits | 62.1350% | 6,723 |
| Net loans and leases to core deposits | 74.9677% | 6,734 |
| Total domestic deposits to total assets | 86.7811% | 2,363 |
| Equity capital to assets | 7.0035% | 7,618 |
| Core capital (leverage) ratio | 7.1052% | 7,448 |
| Tier 1 risk-based capital ratio | 10.8332% | 6,051 |
| Total risk-based capital ratio | 11.8798% | 6,186 |
| Memoranda: | ||
| Average total assets | $546,073,330 | 1,295 |
| Average earning assets | $511,753,000 | 1,262 |
| Average equity | $39,989,330 | 1,701 |
| Average total loans | $312,541,000 | 1,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 3,952 |
| Cost of funding earning assets | 2.5211% | 1,840 |
| Net interest margin | 3.1469% | 6,034 |
| Noninterest income to average assets | 0.6517% | 3,186 |
| Noninterest expense to average assets | 2.1972% | 6,873 |
| Loan and lease loss provision to assets | 0.0983% | 5,702 |
| Net operating income to assets | 0.9871% | 2,371 |
| Return on assets (ROA) | 1.0494% | 2,266 |
| Pretax return on assets | 1.3934% | 1,986 |
| Return on Equity (ROE) | 13.9956% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.4748% | 890 |
| Net charge-offs to loans | 0.0734% | 4,452 |
| Credit loss provision to net charge-offs | 228.0702% | 2,004 |
| Earnings coverage of net charge-offs (x) | 32.6842% | 996 |
| Efficiency ratio | 60.9352% | 6,263 |
| Assets per employee ($millions) | 3.7470% | 4,240 |
| Cash dividends to net income (ytd only)* | 18.0115% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,692 |
| Loan loss allowance to noncurrent loans | 407.3876% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 6,535 |
| Noncurrent loans to loans | 0.2984% | 6,696 |
| Net loans and leases to total assets | 56.5203% | 6,165 |
| Net loans and leases to deposits | 65.9058% | 6,384 |
| Net loans and leases to core deposits | 80.2837% | 6,363 |
| Total domestic deposits to total assets | 85.7593% | 2,845 |
| Equity capital to assets | 7.3323% | 7,468 |
| Core capital (leverage) ratio | 7.5494% | 7,094 |
| Tier 1 risk-based capital ratio | 10.9780% | 5,924 |
| Total risk-based capital ratio | 12.0288% | 6,018 |
| Memoranda: | ||
| Average total assets | $529,048,000 | 1,335 |
| Average earning assets | $496,615,000 | 1,304 |
| Average equity | $39,669,500 | 1,718 |
| Average total loans | $310,464,500 | 1,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 5,297 |
| Cost of funding earning assets | 2.9821% | 1,927 |
| Net interest margin | 3.0685% | 6,743 |
| Noninterest income to average assets | 0.7850% | 2,593 |
| Noninterest expense to average assets | 2.2919% | 6,726 |
| Loan and lease loss provision to assets | 0.1052% | 6,027 |
| Net operating income to assets | 0.9507% | 2,788 |
| Return on assets (ROA) | 0.9667% | 2,589 |
| Pretax return on assets | 1.2840% | 2,366 |
| Return on Equity (ROE) | 12.8789% | 1,363 |
| Retained earnings to average equity (ytd only) | 7.7996% | 901 |
| Net charge-offs to loans | 0.0885% | 5,476 |
| Credit loss provision to net charge-offs | 199.2337% | 2,451 |
| Earnings coverage of net charge-offs (x) | 25.9004% | 1,311 |
| Efficiency ratio | 62.6230% | 5,842 |
| Assets per employee ($millions) | 3.5244% | 4,606 |
| Cash dividends to net income (ytd only)* | 39.4390% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 4,443 |
| Loan loss allowance to noncurrent loans | 701.3158% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 6,552 |
| Noncurrent loans to loans | 0.1728% | 6,869 |
| Net loans and leases to total assets | 59.5247% | 5,979 |
| Net loans and leases to deposits | 70.4463% | 6,227 |
| Net loans and leases to core deposits | 86.5597% | 6,093 |
| Total domestic deposits to total assets | 84.4967% | 3,079 |
| Equity capital to assets | 7.6759% | 7,231 |
| Core capital (leverage) ratio | 7.6835% | 6,959 |
| Tier 1 risk-based capital ratio | 11.6704% | 5,082 |
| Total risk-based capital ratio | 12.7895% | 5,097 |
| Memoranda: | ||
| Average total assets | $494,169,200 | 1,372 |
| Average earning assets | $462,990,200 | 1,347 |
| Average equity | $37,091,600 | 1,829 |
| Average total loans | $294,891,800 | 1,640 |