Home > Century Bank > Performance and Condition Ratios
Century 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 | 5.6078% | 1,025 |
| Cost of funding earning assets | 1.1308% | 2,985 |
| Net interest margin | 4.4770% | 636 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.8951% | 1,279 |
| Loan and lease loss provision to assets | 1.1200% | 58 |
| Net operating income to assets | 0.8500% | 2,703 |
| Return on assets (ROA) | 0.8521% | 2,674 |
| Pretax return on assets | 0.8521% | 3,088 |
| Return on Equity (ROE) | 11.9300% | 1,969 |
| Retained earnings to average equity (ytd only) | -1.0415% | 4,191 |
| Net charge-offs to loans | 1.0520% | 96 |
| Credit loss provision to net charge-offs | 158.3760% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.8168% | 2,673 |
| Efficiency ratio | 59.1854% | 3,169 |
| Assets per employee ($millions) | 8.0739% | 1,395 |
| Cash dividends to net income (ytd only)* | 108.7329% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 608 |
| Loan loss allowance to noncurrent loans | 51.1584% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2893% | 105 |
| Noncurrent loans to loans | 3.3954% | 120 |
| Net loans and leases to total assets | 66.2500% | 2,234 |
| Net loans and leases to deposits | 72.8765% | 2,706 |
| Net loans and leases to core deposits | 78.6332% | 2,790 |
| Total domestic deposits to total assets | 90.9100% | 531 |
| Equity capital to assets | 7.4453% | 3,748 |
| Core capital (leverage) ratio | 9.3245% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2799% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,370,733,600 | 761 |
| Average earning assets | $1,300,052,800 | 740 |
| Average equity | $97,931,200 | 961 |
| Average total loans | $909,558,600 | 787 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 1,010 |
| Cost of funding earning assets | 1.0426% | 2,917 |
| Net interest margin | 4.4628% | 652 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.8391% | 1,349 |
| Loan and lease loss provision to assets | 1.1700% | 48 |
| Net operating income to assets | 0.8309% | 2,930 |
| Return on assets (ROA) | 0.8273% | 2,927 |
| Pretax return on assets | 0.8273% | 3,272 |
| Return on Equity (ROE) | 11.7000% | 2,202 |
| Retained earnings to average equity (ytd only) | -4.1265% | 4,404 |
| Net charge-offs to loans | 1.4010% | 61 |
| Credit loss provision to net charge-offs | 124.7163% | 1,453 |
| Earnings coverage of net charge-offs (x) | 2.1591% | 2,495 |
| Efficiency ratio | 58.3119% | 3,167 |
| Assets per employee ($millions) | 8.2689% | 1,224 |
| Cash dividends to net income (ytd only)* | 135.2623% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,389 |
| Loan loss allowance to noncurrent loans | 44.4279% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.1313% | 119 |
| Noncurrent loans to loans | 3.1856% | 128 |
| Net loans and leases to total assets | 65.9600% | 2,244 |
| Net loans and leases to deposits | 71.3539% | 2,753 |
| Net loans and leases to core deposits | 76.3904% | 2,840 |
| Total domestic deposits to total assets | 92.4400% | 384 |
| Equity capital to assets | 6.7072% | 3,753 |
| Core capital (leverage) ratio | 9.1733% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2379% | 2,532 |
| Memoranda: | ||
| Average total assets | $1,370,276,250 | 765 |
| Average earning assets | $1,300,124,750 | 741 |
| Average equity | $96,866,250 | 964 |
| Average total loans | $905,588,750 | 792 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 1,010 |
| Cost of funding earning assets | 0.9080% | 2,898 |
| Net interest margin | 4.4466% | 659 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.8131% | 1,390 |
| Loan and lease loss provision to assets | 0.6300% | 113 |
| Net operating income to assets | 1.3544% | 1,439 |
| Return on assets (ROA) | 1.3556% | 1,419 |
| Pretax return on assets | 1.3556% | 1,930 |
| Return on Equity (ROE) | 17.8200% | 980 |
| Retained earnings to average equity (ytd only) | 0.4036% | 4,003 |
| Net charge-offs to loans | 0.0097% | 1,841 |
| Credit loss provision to net charge-offs | 9,554.5455% | 59 |
| Earnings coverage of net charge-offs (x) | 312.1818% | 436 |
| Efficiency ratio | 58.2137% | 3,170 |
| Assets per employee ($millions) | 8.4664% | 1,114 |
| Cash dividends to net income (ytd only)* | 97.7355% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 967 |
| Loan loss allowance to noncurrent loans | 72.7322% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 256 |
| Noncurrent loans to loans | 2.1741% | 235 |
| Net loans and leases to total assets | 64.4800% | 2,338 |
| Net loans and leases to deposits | 71.9037% | 2,655 |
| Net loans and leases to core deposits | 77.4489% | 2,660 |
| Total domestic deposits to total assets | 89.6800% | 1,019 |
| Equity capital to assets | 7.4405% | 3,559 |
| Core capital (leverage) ratio | 9.3469% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2436% | 2,553 |
| Memoranda: | ||
| Average total assets | $1,381,230,667 | 748 |
| Average earning assets | $1,312,563,333 | 732 |
| Average equity | $105,063,333 | 905 |
| Average total loans | $905,018,667 | 780 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2296% | 913 |
| Cost of funding earning assets | 0.6796% | 3,120 |
| Net interest margin | 4.5500% | 543 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.8787% | 1,276 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.8773% | 594 |
| Return on assets (ROA) | 1.8841% | 582 |
| Pretax return on assets | 1.8841% | 929 |
| Return on Equity (ROE) | 24.4900% | 428 |
| Retained earnings to average equity (ytd only) | 0.6819% | 3,911 |
| Net charge-offs to loans | 0.0121% | 1,498 |
| Credit loss provision to net charge-offs | 1,674.0741% | 236 |
| Earnings coverage of net charge-offs (x) | 254.9259% | 419 |
| Efficiency ratio | 58.4341% | 3,139 |
| Assets per employee ($millions) | 7.9821% | 1,353 |
| Cash dividends to net income (ytd only)* | 97.2157% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,572 |
| Loan loss allowance to noncurrent loans | 54.1799% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 233 |
| Noncurrent loans to loans | 2.2097% | 237 |
| Net loans and leases to total assets | 65.2300% | 2,134 |
| Net loans and leases to deposits | 74.4395% | 2,263 |
| Net loans and leases to core deposits | 80.4662% | 2,221 |
| Total domestic deposits to total assets | 87.6200% | 2,054 |
| Equity capital to assets | 7.7395% | 3,418 |
| Core capital (leverage) ratio | 9.4702% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1016% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,364,903,500 | 772 |
| Average earning assets | $1,293,708,000 | 751 |
| Average equity | $104,995,000 | 914 |
| Average total loans | $894,333,500 | 799 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 1,422 |
| Cost of funding earning assets | 0.1493% | 4,127 |
| Net interest margin | 3.9743% | 821 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.7032% | 1,549 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5293% | 826 |
| Return on assets (ROA) | 1.5283% | 798 |
| Pretax return on assets | 1.5283% | 1,370 |
| Return on Equity (ROE) | 19.6500% | 513 |
| Retained earnings to average equity (ytd only) | 8.1627% | 1,769 |
| Net charge-offs to loans | -0.0441% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9675% | 2,768 |
| Assets per employee ($millions) | 7.9347% | 1,354 |
| Cash dividends to net income (ytd only)* | 58.4493% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,680 |
| Loan loss allowance to noncurrent loans | 5,337.8378% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,687 |
| Noncurrent loans to loans | 0.0253% | 3,614 |
| Net loans and leases to total assets | 64.1400% | 2,228 |
| Net loans and leases to deposits | 75.0911% | 2,173 |
| Net loans and leases to core deposits | 79.0196% | 2,197 |
| Total domestic deposits to total assets | 85.4200% | 2,882 |
| Equity capital to assets | 7.6443% | 3,295 |
| Core capital (leverage) ratio | 9.9637% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5768% | 2,539 |
| Memoranda: | ||
| Average total assets | $1,265,039,600 | 811 |
| Average earning assets | $1,198,553,200 | 792 |
| Average equity | $98,411,200 | 955 |
| Average total loans | $740,846,400 | 865 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 1,490 |
| Cost of funding earning assets | 0.0831% | 4,397 |
| Net interest margin | 3.8131% | 935 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.6562% | 1,577 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.5038% | 845 |
| Return on assets (ROA) | 1.5013% | 825 |
| Pretax return on assets | 1.5013% | 1,403 |
| Return on Equity (ROE) | 19.2100% | 512 |
| Retained earnings to average equity (ytd only) | 8.7867% | 1,730 |
| Net charge-offs to loans | -0.0598% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.2839% | 2,649 |
| Assets per employee ($millions) | 7.7540% | 1,446 |
| Cash dividends to net income (ytd only)* | 54.2547% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,636 |
| Loan loss allowance to noncurrent loans | 4,474.7899% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,761 |
| Noncurrent loans to loans | 0.0311% | 3,677 |
| Net loans and leases to total assets | 60.0900% | 2,495 |
| Net loans and leases to deposits | 65.8018% | 2,735 |
| Net loans and leases to core deposits | 67.9925% | 2,803 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 6.8683% | 3,581 |
| Core capital (leverage) ratio | 9.3098% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1625% | 2,767 |
| Memoranda: | ||
| Average total assets | $1,244,075,250 | 831 |
| Average earning assets | $1,179,195,750 | 810 |
| Average equity | $97,235,500 | 969 |
| Average total loans | $706,800,000 | 893 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 1,796 |
| Cost of funding earning assets | 0.0687% | 4,468 |
| Net interest margin | 3.5451% | 1,192 |
| Noninterest income to average assets | 0.5580% | 1,910 |
| Noninterest expense to average assets | 2.8621% | 1,049 |
| Loan and lease loss provision to assets | -0.0327% | 4,473 |
| Net operating income to assets | 1.0904% | 1,809 |
| Return on assets (ROA) | 1.0967% | 1,761 |
| Pretax return on assets | 1.0967% | 2,423 |
| Return on Equity (ROE) | 13.4802% | 1,249 |
| Retained earnings to average equity (ytd only) | 3.8656% | 3,136 |
| Net charge-offs to loans | -0.0393% | 4,147 |
| Credit loss provision to net charge-offs | 150.3704% | 1,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5148% | 1,687 |
| Assets per employee ($millions) | 7.6267% | 1,532 |
| Cash dividends to net income (ytd only)* | 71.3235% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 1,751 |
| Loan loss allowance to noncurrent loans | 312.8103% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 1,967 |
| Noncurrent loans to loans | 0.4473% | 1,779 |
| Net loans and leases to total assets | 58.2167% | 2,508 |
| Net loans and leases to deposits | 64.8242% | 2,656 |
| Net loans and leases to core deposits | 66.7419% | 2,757 |
| Total domestic deposits to total assets | 89.8072% | 1,793 |
| Equity capital to assets | 7.3471% | 3,568 |
| Core capital (leverage) ratio | 9.1001% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1129% | 2,785 |
| Memoranda: | ||
| Average total assets | $1,240,052,333 | 826 |
| Average earning assets | $1,175,949,000 | 814 |
| Average equity | $100,888,667 | 963 |
| Average total loans | $687,252,333 | 904 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 1,945 |
| Cost of funding earning assets | 0.0672% | 4,479 |
| Net interest margin | 3.3849% | 1,333 |
| Noninterest income to average assets | 0.5268% | 2,011 |
| Noninterest expense to average assets | 2.8089% | 1,141 |
| Loan and lease loss provision to assets | -0.0657% | 4,545 |
| Net operating income to assets | 0.9946% | 1,896 |
| Return on assets (ROA) | 1.0236% | 1,778 |
| Pretax return on assets | 1.0236% | 2,371 |
| Return on Equity (ROE) | 12.0024% | 1,314 |
| Retained earnings to average equity (ytd only) | 2.7524% | 3,347 |
| Net charge-offs to loans | -0.1063% | 4,472 |
| Credit loss provision to net charge-offs | 115.2542% | 948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6231% | 1,669 |
| Assets per employee ($millions) | 7.5853% | 1,635 |
| Cash dividends to net income (ytd only)* | 77.0683% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,446 |
| Loan loss allowance to noncurrent loans | 287.6509% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 1,571 |
| Noncurrent loans to loans | 0.5334% | 1,700 |
| Net loans and leases to total assets | 52.2332% | 2,964 |
| Net loans and leases to deposits | 57.5084% | 3,121 |
| Net loans and leases to core deposits | 59.2214% | 3,214 |
| Total domestic deposits to total assets | 90.8271% | 1,124 |
| Equity capital to assets | 7.4622% | 3,957 |
| Core capital (leverage) ratio | 8.7945% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9134% | 2,638 |
| Memoranda: | ||
| Average total assets | $1,242,315,500 | 827 |
| Average earning assets | $1,178,536,000 | 814 |
| Average equity | $105,945,500 | 955 |
| Average total loans | $666,133,500 | 920 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 1,867 |
| Cost of funding earning assets | 0.0858% | 4,490 |
| Net interest margin | 3.7136% | 1,183 |
| Noninterest income to average assets | 0.5272% | 2,456 |
| Noninterest expense to average assets | 3.0017% | 974 |
| Loan and lease loss provision to assets | 0.0543% | 1,970 |
| Net operating income to assets | 0.9748% | 2,773 |
| Return on assets (ROA) | 1.0691% | 2,493 |
| Pretax return on assets | 1.0691% | 3,067 |
| Return on Equity (ROE) | 10.8838% | 2,204 |
| Retained earnings to average equity (ytd only) | 2.9075% | 3,675 |
| Net charge-offs to loans | 0.0667% | 1,126 |
| Credit loss provision to net charge-offs | 143.1111% | 1,521 |
| Earnings coverage of net charge-offs (x) | 27.1422% | 1,686 |
| Efficiency ratio | 73.9607% | 1,308 |
| Assets per employee ($millions) | 7.4271% | 1,658 |
| Cash dividends to net income (ytd only)* | 73.2861% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,401 |
| Loan loss allowance to noncurrent loans | 287.9765% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 1,594 |
| Noncurrent loans to loans | 0.5371% | 1,786 |
| Net loans and leases to total assets | 53.3707% | 2,927 |
| Net loans and leases to deposits | 59.3147% | 3,144 |
| Net loans and leases to core deposits | 61.2113% | 3,227 |
| Total domestic deposits to total assets | 89.9790% | 971 |
| Equity capital to assets | 9.6232% | 3,026 |
| Core capital (leverage) ratio | 8.6840% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3821% | 2,496 |
| Memoranda: | ||
| Average total assets | $1,186,963,200 | 834 |
| Average earning assets | $1,119,788,600 | 824 |
| Average equity | $116,595,200 | 894 |
| Average total loans | $674,198,000 | 908 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 1,995 |
| Cost of funding earning assets | 0.0889% | 4,582 |
| Net interest margin | 3.7216% | 1,289 |
| Noninterest income to average assets | 0.5127% | 2,569 |
| Noninterest expense to average assets | 3.0388% | 907 |
| Loan and lease loss provision to assets | 0.0390% | 2,214 |
| Net operating income to assets | 0.9428% | 3,114 |
| Return on assets (ROA) | 1.0713% | 2,710 |
| Pretax return on assets | 1.0713% | 3,267 |
| Return on Equity (ROE) | 10.8488% | 2,416 |
| Retained earnings to average equity (ytd only) | 2.5918% | 4,033 |
| Net charge-offs to loans | 0.0010% | 2,415 |
| Credit loss provision to net charge-offs | 6,880.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 1,733.8000% | 84 |
| Efficiency ratio | 75.0662% | 1,120 |
| Assets per employee ($millions) | 7.0876% | 1,808 |
| Cash dividends to net income (ytd only)* | 76.1099% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,406 |
| Loan loss allowance to noncurrent loans | 260.1748% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,677 |
| Noncurrent loans to loans | 0.6052% | 1,793 |
| Net loans and leases to total assets | 53.1190% | 3,067 |
| Net loans and leases to deposits | 59.2734% | 3,303 |
| Net loans and leases to core deposits | 61.3951% | 3,372 |
| Total domestic deposits to total assets | 89.6169% | 957 |
| Equity capital to assets | 9.3912% | 3,476 |
| Core capital (leverage) ratio | 8.6984% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0180% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,177,336,250 | 853 |
| Average earning assets | $1,109,711,250 | 835 |
| Average equity | $116,261,500 | 907 |
| Average total loans | $676,668,000 | 925 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 1,881 |
| Cost of funding earning assets | 0.0920% | 4,624 |
| Net interest margin | 3.7839% | 1,165 |
| Noninterest income to average assets | 0.5471% | 2,419 |
| Noninterest expense to average assets | 2.9954% | 993 |
| Loan and lease loss provision to assets | 0.0567% | 1,898 |
| Net operating income to assets | 1.0514% | 2,711 |
| Return on assets (ROA) | 1.1491% | 2,432 |
| Pretax return on assets | 1.1491% | 3,064 |
| Return on Equity (ROE) | 11.4394% | 2,258 |
| Retained earnings to average equity (ytd only) | 3.7228% | 3,612 |
| Net charge-offs to loans | 0.0021% | 2,131 |
| Credit loss provision to net charge-offs | 4,700.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 919.0000% | 146 |
| Efficiency ratio | 72.4834% | 1,384 |
| Assets per employee ($millions) | 6.7370% | 1,994 |
| Cash dividends to net income (ytd only)* | 67.4562% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 1,444 |
| Loan loss allowance to noncurrent loans | 158.9700% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 1,267 |
| Noncurrent loans to loans | 0.9702% | 1,272 |
| Net loans and leases to total assets | 53.5735% | 3,183 |
| Net loans and leases to deposits | 59.6397% | 3,421 |
| Net loans and leases to core deposits | 61.7403% | 3,488 |
| Total domestic deposits to total assets | 89.8285% | 855 |
| Equity capital to assets | 9.5470% | 3,294 |
| Core capital (leverage) ratio | 9.1603% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4500% | 2,189 |
| Memoranda: | ||
| Average total assets | $1,161,066,000 | 854 |
| Average earning assets | $1,091,244,333 | 843 |
| Average equity | $116,632,000 | 889 |
| Average total loans | $681,645,000 | 923 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 1,565 |
| Cost of funding earning assets | 0.1007% | 4,641 |
| Net interest margin | 3.9211% | 950 |
| Noninterest income to average assets | 0.5591% | 2,375 |
| Noninterest expense to average assets | 3.0701% | 875 |
| Loan and lease loss provision to assets | 0.0481% | 2,118 |
| Net operating income to assets | 1.1061% | 2,454 |
| Return on assets (ROA) | 1.0968% | 2,565 |
| Pretax return on assets | 1.0968% | 3,121 |
| Return on Equity (ROE) | 10.6275% | 2,488 |
| Retained earnings to average equity (ytd only) | 2.8538% | 3,824 |
| Net charge-offs to loans | 0.0093% | 1,580 |
| Credit loss provision to net charge-offs | 843.7500% | 459 |
| Earnings coverage of net charge-offs (x) | 202.3125% | 392 |
| Efficiency ratio | 72.1617% | 1,476 |
| Assets per employee ($millions) | 6.0406% | 2,564 |
| Cash dividends to net income (ytd only)* | 73.1469% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,629 |
| Loan loss allowance to noncurrent loans | 4,927.5362% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,299 |
| Noncurrent loans to loans | 0.0303% | 4,135 |
| Net loans and leases to total assets | 58.2790% | 2,770 |
| Net loans and leases to deposits | 64.8850% | 3,038 |
| Net loans and leases to core deposits | 67.1621% | 3,143 |
| Total domestic deposits to total assets | 89.8189% | 903 |
| Equity capital to assets | 9.8994% | 2,797 |
| Core capital (leverage) ratio | 9.4692% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6262% | 2,032 |
| Memoranda: | ||
| Average total assets | $1,121,792,500 | 873 |
| Average earning assets | $1,048,586,500 | 865 |
| Average equity | $115,775,000 | 888 |
| Average total loans | $685,214,000 | 920 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 1,664 |
| Cost of funding earning assets | 0.2028% | 4,577 |
| Net interest margin | 4.1686% | 691 |
| Noninterest income to average assets | 0.5838% | 2,283 |
| Noninterest expense to average assets | 3.2251% | 1,012 |
| Loan and lease loss provision to assets | 0.2916% | 1,301 |
| Net operating income to assets | 0.9485% | 2,488 |
| Return on assets (ROA) | 1.0903% | 2,080 |
| Pretax return on assets | 1.0903% | 2,737 |
| Return on Equity (ROE) | 10.6514% | 1,757 |
| Retained earnings to average equity (ytd only) | 1.4908% | 4,038 |
| Net charge-offs to loans | 0.1347% | 1,196 |
| Credit loss provision to net charge-offs | 338.3734% | 1,609 |
| Earnings coverage of net charge-offs (x) | 14.3906% | 2,217 |
| Efficiency ratio | 71.6891% | 1,722 |
| Assets per employee ($millions) | 5.6468% | 2,691 |
| Cash dividends to net income (ytd only)* | 86.0040% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,708 |
| Loan loss allowance to noncurrent loans | 4,917.5610% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,361 |
| Noncurrent loans to loans | 0.0298% | 4,197 |
| Net loans and leases to total assets | 62.1886% | 2,583 |
| Net loans and leases to deposits | 70.0569% | 2,873 |
| Net loans and leases to core deposits | 72.7976% | 3,013 |
| Total domestic deposits to total assets | 88.7686% | 1,086 |
| Equity capital to assets | 10.7664% | 2,461 |
| Core capital (leverage) ratio | 9.7675% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3613% | 2,097 |
| Memoranda: | ||
| Average total assets | $1,013,102,400 | 874 |
| Average earning assets | $943,323,800 | 861 |
| Average equity | $103,704,600 | 934 |
| Average total loans | $648,162,200 | 919 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 1,989 |
| Cost of funding earning assets | 0.2264% | 4,586 |
| Net interest margin | 4.1155% | 871 |
| Noninterest income to average assets | 0.6467% | 1,995 |
| Noninterest expense to average assets | 3.2050% | 1,067 |
| Loan and lease loss provision to assets | 0.3416% | 1,123 |
| Net operating income to assets | 0.9287% | 2,601 |
| Return on assets (ROA) | 1.0898% | 2,142 |
| Pretax return on assets | 1.0898% | 2,781 |
| Return on Equity (ROE) | 10.7997% | 1,749 |
| Retained earnings to average equity (ytd only) | 0.8295% | 4,303 |
| Net charge-offs to loans | 0.1663% | 887 |
| Credit loss provision to net charge-offs | 319.8492% | 1,699 |
| Earnings coverage of net charge-offs (x) | 11.8957% | 2,277 |
| Efficiency ratio | 71.0680% | 1,742 |
| Assets per employee ($millions) | 5.9238% | 2,331 |
| Cash dividends to net income (ytd only)* | 92.3191% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,832 |
| Loan loss allowance to noncurrent loans | 4,411.7647% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,429 |
| Noncurrent loans to loans | 0.0313% | 4,273 |
| Net loans and leases to total assets | 64.6698% | 2,680 |
| Net loans and leases to deposits | 72.2992% | 3,106 |
| Net loans and leases to core deposits | 75.1799% | 3,226 |
| Total domestic deposits to total assets | 89.4474% | 598 |
| Equity capital to assets | 10.1057% | 3,142 |
| Core capital (leverage) ratio | 9.3432% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5377% | 2,399 |
| Memoranda: | ||
| Average total assets | $993,918,750 | 872 |
| Average earning assets | $924,601,500 | 869 |
| Average equity | $100,296,750 | 951 |
| Average total loans | $638,244,000 | 929 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 2,091 |
| Cost of funding earning assets | 0.2531% | 4,612 |
| Net interest margin | 4.1900% | 946 |
| Noninterest income to average assets | 0.6608% | 1,900 |
| Noninterest expense to average assets | 3.2239% | 1,113 |
| Loan and lease loss provision to assets | 0.4003% | 1,008 |
| Net operating income to assets | 0.9273% | 2,596 |
| Return on assets (ROA) | 1.0666% | 2,208 |
| Pretax return on assets | 1.0666% | 2,815 |
| Return on Equity (ROE) | 10.5758% | 1,784 |
| Retained earnings to average equity (ytd only) | -0.7165% | 4,437 |
| Net charge-offs to loans | 0.2545% | 621 |
| Credit loss provision to net charge-offs | 246.8710% | 1,759 |
| Earnings coverage of net charge-offs (x) | 8.1877% | 2,312 |
| Efficiency ratio | 70.2775% | 1,916 |
| Assets per employee ($millions) | 5.5633% | 2,579 |
| Cash dividends to net income (ytd only)* | 106.7754% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 1,764 |
| Loan loss allowance to noncurrent loans | 4,159.0909% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 3,527 |
| Noncurrent loans to loans | 0.0325% | 4,350 |
| Net loans and leases to total assets | 62.1360% | 3,114 |
| Net loans and leases to deposits | 68.7834% | 3,504 |
| Net loans and leases to core deposits | 71.7225% | 3,605 |
| Total domestic deposits to total assets | 90.3358% | 316 |
| Equity capital to assets | 9.2560% | 3,874 |
| Core capital (leverage) ratio | 8.7712% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2557% | 2,498 |
| Memoranda: | ||
| Average total assets | $965,845,333 | 884 |
| Average earning assets | $896,850,333 | 877 |
| Average equity | $97,411,333 | 968 |
| Average total loans | $615,332,000 | 944 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 1,499 |
| Cost of funding earning assets | 0.3109% | 4,622 |
| Net interest margin | 4.4608% | 551 |
| Noninterest income to average assets | 0.7391% | 1,503 |
| Noninterest expense to average assets | 3.5227% | 902 |
| Loan and lease loss provision to assets | 0.2062% | 1,481 |
| Net operating income to assets | 1.1387% | 1,723 |
| Return on assets (ROA) | 1.1497% | 1,796 |
| Pretax return on assets | 1.1497% | 2,361 |
| Return on Equity (ROE) | 10.8726% | 1,451 |
| Retained earnings to average equity (ytd only) | -1.5722% | 4,206 |
| Net charge-offs to loans | 0.0828% | 1,206 |
| Credit loss provision to net charge-offs | 388.4298% | 1,027 |
| Earnings coverage of net charge-offs (x) | 25.3388% | 1,286 |
| Efficiency ratio | 71.8212% | 2,101 |
| Assets per employee ($millions) | 4.8188% | 2,854 |
| Cash dividends to net income (ytd only)* | 114.4601% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,757.8947% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 3,269 |
| Noncurrent loans to loans | 0.0805% | 4,192 |
| Net loans and leases to total assets | 63.5632% | 3,118 |
| Net loans and leases to deposits | 71.3917% | 3,488 |
| Net loans and leases to core deposits | 75.1019% | 3,562 |
| Total domestic deposits to total assets | 89.0344% | 646 |
| Equity capital to assets | 10.4961% | 3,326 |
| Core capital (leverage) ratio | 9.8981% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9722% | 2,713 |
| Memoranda: | ||
| Average total assets | $911,913,000 | 901 |
| Average earning assets | $843,977,500 | 900 |
| Average equity | $96,425,500 | 969 |
| Average total loans | $584,843,000 | 960 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,586 |
| Cost of funding earning assets | 0.3657% | 4,551 |
| Net interest margin | 4.5948% | 582 |
| Noninterest income to average assets | 0.9611% | 1,053 |
| Noninterest expense to average assets | 3.5998% | 851 |
| Loan and lease loss provision to assets | 0.2195% | 886 |
| Net operating income to assets | 1.3724% | 1,440 |
| Return on assets (ROA) | 1.6153% | 865 |
| Pretax return on assets | 1.6153% | 1,442 |
| Return on Equity (ROE) | 15.8533% | 562 |
| Retained earnings to average equity (ytd only) | 4.5370% | 2,689 |
| Net charge-offs to loans | 0.0984% | 1,741 |
| Credit loss provision to net charge-offs | 365.6546% | 763 |
| Earnings coverage of net charge-offs (x) | 26.5218% | 1,694 |
| Efficiency ratio | 68.8027% | 2,345 |
| Assets per employee ($millions) | 4.7060% | 2,942 |
| Cash dividends to net income (ytd only)* | 71.3812% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,298.7013% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 3,117 |
| Noncurrent loans to loans | 0.1063% | 4,101 |
| Net loans and leases to total assets | 62.9085% | 3,322 |
| Net loans and leases to deposits | 71.3046% | 3,565 |
| Net loans and leases to core deposits | 74.5789% | 3,671 |
| Total domestic deposits to total assets | 88.2251% | 1,020 |
| Equity capital to assets | 10.6524% | 3,307 |
| Core capital (leverage) ratio | 10.1931% | 3,305 |
| Tier 1 risk-based capital ratio | 11.9904% | 4,372 |
| Total risk-based capital ratio | 13.0647% | 4,339 |
| Memoranda: | ||
| Average total assets | $878,024,600 | 897 |
| Average earning assets | $808,406,200 | 898 |
| Average equity | $89,463,800 | 981 |
| Average total loans | $535,426,600 | 1,005 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 1,554 |
| Cost of funding earning assets | 0.3768% | 4,573 |
| Net interest margin | 4.6196% | 593 |
| Noninterest income to average assets | 0.8270% | 1,341 |
| Noninterest expense to average assets | 3.5188% | 925 |
| Loan and lease loss provision to assets | 0.2333% | 723 |
| Net operating income to assets | 1.3226% | 1,761 |
| Return on assets (ROA) | 1.3664% | 1,653 |
| Pretax return on assets | 1.3664% | 2,434 |
| Return on Equity (ROE) | 13.5715% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.4072% | 3,190 |
| Net charge-offs to loans | 0.1075% | 1,393 |
| Credit loss provision to net charge-offs | 360.0473% | 835 |
| Earnings coverage of net charge-offs (x) | 24.0140% | 1,811 |
| Efficiency ratio | 68.7875% | 2,290 |
| Assets per employee ($millions) | 4.7075% | 2,908 |
| Cash dividends to net income (ytd only)* | 67.5261% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,525 |
| Loan loss allowance to noncurrent loans | 1,631.3559% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 2,699 |
| Noncurrent loans to loans | 0.0866% | 4,256 |
| Net loans and leases to total assets | 61.3771% | 3,555 |
| Net loans and leases to deposits | 71.0550% | 3,685 |
| Net loans and leases to core deposits | 73.4935% | 3,857 |
| Total domestic deposits to total assets | 86.3797% | 1,833 |
| Equity capital to assets | 11.2315% | 2,892 |
| Core capital (leverage) ratio | 10.1265% | 3,496 |
| Tier 1 risk-based capital ratio | 11.9925% | 4,420 |
| Total risk-based capital ratio | 13.0428% | 4,415 |
| Memoranda: | ||
| Average total assets | $870,467,750 | 902 |
| Average earning assets | $800,391,000 | 904 |
| Average equity | $87,642,000 | 1,004 |
| Average total loans | $524,441,250 | 1,025 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 1,692 |
| Cost of funding earning assets | 0.3847% | 4,563 |
| Net interest margin | 4.5362% | 707 |
| Noninterest income to average assets | 0.8481% | 1,210 |
| Noninterest expense to average assets | 3.5202% | 934 |
| Loan and lease loss provision to assets | 0.2595% | 585 |
| Net operating income to assets | 1.2436% | 1,989 |
| Return on assets (ROA) | 1.2775% | 1,921 |
| Pretax return on assets | 1.2775% | 2,641 |
| Return on Equity (ROE) | 13.2001% | 1,181 |
| Retained earnings to average equity (ytd only) | 4.2391% | 3,130 |
| Net charge-offs to loans | 0.1264% | 1,188 |
| Credit loss provision to net charge-offs | 344.6483% | 816 |
| Earnings coverage of net charge-offs (x) | 19.9664% | 1,794 |
| Efficiency ratio | 69.5188% | 2,305 |
| Assets per employee ($millions) | 4.7524% | 2,802 |
| Cash dividends to net income (ytd only)* | 67.8861% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,106.1286% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 2,660 |
| Noncurrent loans to loans | 0.1246% | 4,118 |
| Net loans and leases to total assets | 60.2128% | 3,714 |
| Net loans and leases to deposits | 68.7071% | 3,924 |
| Net loans and leases to core deposits | 70.9832% | 4,063 |
| Total domestic deposits to total assets | 87.6369% | 1,272 |
| Equity capital to assets | 10.8219% | 3,249 |
| Core capital (leverage) ratio | 9.9076% | 3,693 |
| Tier 1 risk-based capital ratio | 12.2394% | 4,274 |
| Total risk-based capital ratio | 13.2836% | 4,285 |
| Memoranda: | ||
| Average total assets | $868,759,330 | 902 |
| Average earning assets | $799,613,000 | 901 |
| Average equity | $84,075,330 | 1,034 |
| Average total loans | $517,550,330 | 1,041 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,941 |
| Cost of funding earning assets | 0.3513% | 4,676 |
| Net interest margin | 4.4356% | 833 |
| Noninterest income to average assets | 0.7958% | 1,303 |
| Noninterest expense to average assets | 3.3874% | 1,133 |
| Loan and lease loss provision to assets | 0.1969% | 825 |
| Net operating income to assets | 1.2882% | 1,745 |
| Return on assets (ROA) | 1.2942% | 1,756 |
| Pretax return on assets | 1.2942% | 2,476 |
| Return on Equity (ROE) | 14.2296% | 918 |
| Retained earnings to average equity (ytd only) | 4.3901% | 3,175 |
| Net charge-offs to loans | 0.1378% | 919 |
| Credit loss provision to net charge-offs | 242.8571% | 940 |
| Earnings coverage of net charge-offs (x) | 18.3200% | 1,627 |
| Efficiency ratio | 68.9419% | 2,508 |
| Assets per employee ($millions) | 5.0145% | 2,500 |
| Cash dividends to net income (ytd only)* | 69.1482% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,031 |
| Loan loss allowance to noncurrent loans | 917.0013% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 2,399 |
| Noncurrent loans to loans | 0.1432% | 4,098 |
| Net loans and leases to total assets | 58.6500% | 3,817 |
| Net loans and leases to deposits | 69.4506% | 3,805 |
| Net loans and leases to core deposits | 70.9722% | 4,009 |
| Total domestic deposits to total assets | 84.4485% | 2,867 |
| Equity capital to assets | 9.2461% | 4,485 |
| Core capital (leverage) ratio | 8.8541% | 4,750 |
| Tier 1 risk-based capital ratio | 10.8873% | 5,025 |
| Total risk-based capital ratio | 11.8743% | 5,038 |
| Memoranda: | ||
| Average total assets | $863,543,000 | 906 |
| Average earning assets | $793,665,000 | 906 |
| Average equity | $78,540,500 | 1,094 |
| Average total loans | $507,932,500 | 1,059 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 2,133 |
| Cost of funding earning assets | 0.3146% | 4,497 |
| Net interest margin | 4.2832% | 1,194 |
| Noninterest income to average assets | 0.8668% | 1,273 |
| Noninterest expense to average assets | 3.2274% | 1,488 |
| Loan and lease loss provision to assets | 0.1170% | 1,881 |
| Net operating income to assets | 1.4588% | 1,244 |
| Return on assets (ROA) | 1.4560% | 1,243 |
| Pretax return on assets | 1.4560% | 1,926 |
| Return on Equity (ROE) | 16.2829% | 569 |
| Retained earnings to average equity (ytd only) | 4.8904% | 2,831 |
| Net charge-offs to loans | 0.2488% | 773 |
| Credit loss provision to net charge-offs | 83.0221% | 2,825 |
| Earnings coverage of net charge-offs (x) | 11.1834% | 2,644 |
| Efficiency ratio | 66.5861% | 2,768 |
| Assets per employee ($millions) | 4.8546% | 2,674 |
| Cash dividends to net income (ytd only)* | 69.9663% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,890 |
| Loan loss allowance to noncurrent loans | 1,029.6412% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,253 |
| Noncurrent loans to loans | 0.1297% | 4,154 |
| Net loans and leases to total assets | 57.4116% | 4,018 |
| Net loans and leases to deposits | 67.3043% | 4,022 |
| Net loans and leases to core deposits | 68.4096% | 4,214 |
| Total domestic deposits to total assets | 85.3015% | 2,514 |
| Equity capital to assets | 8.9392% | 4,623 |
| Core capital (leverage) ratio | 8.8475% | 4,774 |
| Tier 1 risk-based capital ratio | 11.2953% | 4,817 |
| Total risk-based capital ratio | 12.2941% | 4,851 |
| Memoranda: | ||
| Average total assets | $836,056,600 | 912 |
| Average earning assets | $768,358,200 | 918 |
| Average equity | $74,759,200 | 1,096 |
| Average total loans | $473,476,600 | 1,103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 2,257 |
| Cost of funding earning assets | 0.2987% | 4,532 |
| Net interest margin | 4.2143% | 1,316 |
| Noninterest income to average assets | 0.8824% | 1,245 |
| Noninterest expense to average assets | 3.1755% | 1,581 |
| Loan and lease loss provision to assets | 0.0991% | 2,013 |
| Net operating income to assets | 1.4822% | 1,244 |
| Return on assets (ROA) | 1.4750% | 1,259 |
| Pretax return on assets | 1.4750% | 1,984 |
| Return on Equity (ROE) | 16.4945% | 613 |
| Retained earnings to average equity (ytd only) | 6.4334% | 2,416 |
| Net charge-offs to loans | 0.0339% | 2,409 |
| Credit loss provision to net charge-offs | 520.1681% | 672 |
| Earnings coverage of net charge-offs (x) | 82.9930% | 865 |
| Efficiency ratio | 66.1404% | 2,850 |
| Assets per employee ($millions) | 5.0303% | 2,433 |
| Cash dividends to net income (ytd only)* | 60.9965% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,311 |
| Loan loss allowance to noncurrent loans | 441.6213% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 2,085 |
| Noncurrent loans to loans | 0.3421% | 3,430 |
| Net loans and leases to total assets | 56.3045% | 4,191 |
| Net loans and leases to deposits | 66.7793% | 4,146 |
| Net loans and leases to core deposits | 67.8656% | 4,302 |
| Total domestic deposits to total assets | 84.3143% | 2,849 |
| Equity capital to assets | 8.6886% | 4,804 |
| Core capital (leverage) ratio | 8.8974% | 4,804 |
| Tier 1 risk-based capital ratio | 11.5233% | 4,782 |
| Total risk-based capital ratio | 12.6522% | 4,729 |
| Memoranda: | ||
| Average total assets | $832,683,750 | 912 |
| Average earning assets | $765,533,500 | 918 |
| Average equity | $74,463,250 | 1,099 |
| Average total loans | $468,261,000 | 1,112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,251 |
| Cost of funding earning assets | 0.2958% | 4,442 |
| Net interest margin | 4.1560% | 1,394 |
| Noninterest income to average assets | 0.9030% | 1,171 |
| Noninterest expense to average assets | 3.2032% | 1,531 |
| Loan and lease loss provision to assets | 0.0743% | 2,403 |
| Net operating income to assets | 1.4447% | 1,297 |
| Return on assets (ROA) | 1.4271% | 1,346 |
| Pretax return on assets | 1.4271% | 2,060 |
| Return on Equity (ROE) | 15.8057% | 709 |
| Retained earnings to average equity (ytd only) | 5.8630% | 2,632 |
| Net charge-offs to loans | 0.0250% | 2,356 |
| Credit loss provision to net charge-offs | 531.0345% | 677 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 661 |
| Efficiency ratio | 67.2085% | 2,777 |
| Assets per employee ($millions) | 4.9141% | 2,535 |
| Cash dividends to net income (ytd only)* | 62.9060% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 1,437 |
| Loan loss allowance to noncurrent loans | 237.4537% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,793 |
| Noncurrent loans to loans | 0.6265% | 2,546 |
| Net loans and leases to total assets | 55.2345% | 4,225 |
| Net loans and leases to deposits | 66.9998% | 4,101 |
| Net loans and leases to core deposits | 67.9888% | 4,254 |
| Total domestic deposits to total assets | 82.4398% | 3,583 |
| Equity capital to assets | 8.7988% | 4,720 |
| Core capital (leverage) ratio | 8.8442% | 4,846 |
| Tier 1 risk-based capital ratio | 11.4158% | 4,828 |
| Total risk-based capital ratio | 12.5175% | 4,809 |
| Memoranda: | ||
| Average total assets | $828,546,330 | 922 |
| Average earning assets | $761,414,000 | 923 |
| Average equity | $74,808,670 | 1,091 |
| Average total loans | $463,305,670 | 1,127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,072 |
| Cost of funding earning assets | 0.2821% | 4,493 |
| Net interest margin | 4.1540% | 1,285 |
| Noninterest income to average assets | 0.8920% | 1,168 |
| Noninterest expense to average assets | 3.2484% | 1,456 |
| Loan and lease loss provision to assets | 0.0629% | 2,514 |
| Net operating income to assets | 1.4016% | 1,338 |
| Return on assets (ROA) | 1.4016% | 1,343 |
| Pretax return on assets | 1.4016% | 1,991 |
| Return on Equity (ROE) | 15.3222% | 747 |
| Retained earnings to average equity (ytd only) | 5.4486% | 2,976 |
| Net charge-offs to loans | 0.0253% | 2,001 |
| Credit loss provision to net charge-offs | 444.8276% | 644 |
| Earnings coverage of net charge-offs (x) | 103.5517% | 599 |
| Efficiency ratio | 68.2947% | 2,786 |
| Assets per employee ($millions) | 4.7587% | 2,783 |
| Cash dividends to net income (ytd only)* | 64.4398% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,403 |
| Loan loss allowance to noncurrent loans | 396.3240% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 2,014 |
| Noncurrent loans to loans | 0.3827% | 3,410 |
| Net loans and leases to total assets | 55.0600% | 4,203 |
| Net loans and leases to deposits | 64.8250% | 4,165 |
| Net loans and leases to core deposits | 65.8656% | 4,315 |
| Total domestic deposits to total assets | 84.9363% | 2,957 |
| Equity capital to assets | 9.0620% | 4,495 |
| Core capital (leverage) ratio | 8.7864% | 4,907 |
| Tier 1 risk-based capital ratio | 11.6379% | 4,779 |
| Total risk-based capital ratio | 12.7570% | 4,753 |
| Memoranda: | ||
| Average total assets | $820,211,000 | 937 |
| Average earning assets | $754,462,000 | 938 |
| Average equity | $75,028,500 | 1,096 |
| Average total loans | $458,008,000 | 1,141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,211 |
| Cost of funding earning assets | 0.2541% | 4,527 |
| Net interest margin | 4.0854% | 1,492 |
| Noninterest income to average assets | 0.8973% | 1,277 |
| Noninterest expense to average assets | 3.1808% | 1,648 |
| Loan and lease loss provision to assets | 0.1020% | 2,183 |
| Net operating income to assets | 1.3736% | 1,070 |
| Return on assets (ROA) | 1.3728% | 1,091 |
| Pretax return on assets | 1.3728% | 2,077 |
| Return on Equity (ROE) | 15.4908% | 548 |
| Retained earnings to average equity (ytd only) | 7.8505% | 815 |
| Net charge-offs to loans | 0.1396% | 1,670 |
| Credit loss provision to net charge-offs | 131.8979% | 2,001 |
| Earnings coverage of net charge-offs (x) | 19.0813% | 2,041 |
| Efficiency ratio | 67.6644% | 2,967 |
| Assets per employee ($millions) | 4.6706% | 2,910 |
| Cash dividends to net income (ytd only)* | 49.3217% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,494 |
| Loan loss allowance to noncurrent loans | 344.1296% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,895 |
| Noncurrent loans to loans | 0.4286% | 3,251 |
| Net loans and leases to total assets | 54.9511% | 4,275 |
| Net loans and leases to deposits | 67.3148% | 4,077 |
| Net loans and leases to core deposits | 68.5328% | 4,260 |
| Total domestic deposits to total assets | 81.6330% | 3,961 |
| Equity capital to assets | 9.2316% | 4,497 |
| Core capital (leverage) ratio | 8.7411% | 4,913 |
| Tier 1 risk-based capital ratio | 11.2974% | 4,983 |
| Total risk-based capital ratio | 12.3826% | 4,954 |
| Memoranda: | ||
| Average total assets | $810,795,800 | 921 |
| Average earning assets | $746,047,400 | 923 |
| Average equity | $71,855,400 | 1,110 |
| Average total loans | $449,109,200 | 1,130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,155 |
| Cost of funding earning assets | 0.2525% | 4,547 |
| Net interest margin | 4.0835% | 1,431 |
| Noninterest income to average assets | 0.8732% | 1,360 |
| Noninterest expense to average assets | 3.1744% | 1,623 |
| Loan and lease loss provision to assets | 0.1089% | 1,954 |
| Net operating income to assets | 1.3476% | 1,204 |
| Return on assets (ROA) | 1.3476% | 1,226 |
| Pretax return on assets | 1.3476% | 2,297 |
| Return on Equity (ROE) | 15.3705% | 607 |
| Retained earnings to average equity (ytd only) | 7.8747% | 1,270 |
| Net charge-offs to loans | 0.0445% | 2,548 |
| Credit loss provision to net charge-offs | 442.2819% | 713 |
| Earnings coverage of net charge-offs (x) | 59.1549% | 1,000 |
| Efficiency ratio | 67.8942% | 2,889 |
| Assets per employee ($millions) | 4.7753% | 2,731 |
| Cash dividends to net income (ytd only)* | 48.7676% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 1,312 |
| Loan loss allowance to noncurrent loans | 296.8685% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 1,896 |
| Noncurrent loans to loans | 0.5281% | 3,113 |
| Net loans and leases to total assets | 54.9914% | 4,322 |
| Net loans and leases to deposits | 65.1302% | 4,310 |
| Net loans and leases to core deposits | 66.7511% | 4,441 |
| Total domestic deposits to total assets | 84.4330% | 2,949 |
| Equity capital to assets | 9.2385% | 4,698 |
| Core capital (leverage) ratio | 8.5275% | 5,228 |
| Tier 1 risk-based capital ratio | 11.4610% | 4,981 |
| Total risk-based capital ratio | 12.6372% | 4,913 |
| Memoranda: | ||
| Average total assets | $806,822,000 | 929 |
| Average earning assets | $742,446,250 | 932 |
| Average equity | $70,740,000 | 1,133 |
| Average total loans | $446,117,500 | 1,144 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,122 |
| Cost of funding earning assets | 0.2468% | 4,565 |
| Net interest margin | 4.0540% | 1,452 |
| Noninterest income to average assets | 0.8689% | 1,368 |
| Noninterest expense to average assets | 3.1768% | 1,632 |
| Loan and lease loss provision to assets | 0.1036% | 1,956 |
| Net operating income to assets | 1.3180% | 1,260 |
| Return on assets (ROA) | 1.3180% | 1,284 |
| Pretax return on assets | 1.3180% | 2,319 |
| Return on Equity (ROE) | 15.3086% | 620 |
| Retained earnings to average equity (ytd only) | 7.7380% | 1,265 |
| Net charge-offs to loans | 0.0527% | 2,172 |
| Credit loss provision to net charge-offs | 356.4103% | 859 |
| Earnings coverage of net charge-offs (x) | 48.9145% | 1,092 |
| Efficiency ratio | 68.4259% | 2,935 |
| Assets per employee ($millions) | 4.8091% | 2,632 |
| Cash dividends to net income (ytd only)* | 49.4534% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,523 |
| Loan loss allowance to noncurrent loans | 827.3381% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 2,267 |
| Noncurrent loans to loans | 0.1835% | 4,384 |
| Net loans and leases to total assets | 54.4253% | 4,357 |
| Net loans and leases to deposits | 63.9606% | 4,367 |
| Net loans and leases to core deposits | 65.4881% | 4,508 |
| Total domestic deposits to total assets | 85.0919% | 2,773 |
| Equity capital to assets | 8.8551% | 5,031 |
| Core capital (leverage) ratio | 8.3748% | 5,301 |
| Tier 1 risk-based capital ratio | 11.3319% | 5,067 |
| Total risk-based capital ratio | 12.4865% | 5,010 |
| Memoranda: | ||
| Average total assets | $805,162,000 | 936 |
| Average earning assets | $740,696,670 | 940 |
| Average equity | $69,320,670 | 1,153 |
| Average total loans | $443,646,330 | 1,156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,078 |
| Cost of funding earning assets | 0.2383% | 4,651 |
| Net interest margin | 4.0192% | 1,420 |
| Noninterest income to average assets | 0.8707% | 1,335 |
| Noninterest expense to average assets | 3.1536% | 1,734 |
| Loan and lease loss provision to assets | 0.1050% | 1,822 |
| Net operating income to assets | 1.3136% | 1,206 |
| Return on assets (ROA) | 1.3136% | 1,240 |
| Pretax return on assets | 1.3136% | 2,191 |
| Return on Equity (ROE) | 15.4860% | 595 |
| Retained earnings to average equity (ytd only) | 7.8673% | 1,515 |
| Net charge-offs to loans | 0.0265% | 2,227 |
| Credit loss provision to net charge-offs | 720.6897% | 446 |
| Earnings coverage of net charge-offs (x) | 97.4138% | 548 |
| Efficiency ratio | 68.3031% | 3,150 |
| Assets per employee ($millions) | 4.6989% | 2,850 |
| Cash dividends to net income (ytd only)* | 49.1972% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,499 |
| Loan loss allowance to noncurrent loans | 436.8557% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8533% | 2,171 |
| Noncurrent loans to loans | 0.3556% | 3,822 |
| Net loans and leases to total assets | 54.1005% | 4,331 |
| Net loans and leases to deposits | 64.0509% | 4,304 |
| Net loans and leases to core deposits | 65.5448% | 4,456 |
| Total domestic deposits to total assets | 84.4648% | 3,304 |
| Equity capital to assets | 8.6706% | 5,096 |
| Core capital (leverage) ratio | 8.4061% | 5,298 |
| Tier 1 risk-based capital ratio | 11.6390% | 4,955 |
| Total risk-based capital ratio | 12.8291% | 4,881 |
| Memoranda: | ||
| Average total assets | $796,561,000 | 951 |
| Average earning assets | $733,583,500 | 946 |
| Average equity | $67,570,500 | 1,183 |
| Average total loans | $438,232,500 | 1,164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,515 |
| Cost of funding earning assets | 0.2160% | 4,873 |
| Net interest margin | 3.9754% | 1,714 |
| Noninterest income to average assets | 0.9880% | 1,176 |
| Noninterest expense to average assets | 3.3088% | 1,554 |
| Loan and lease loss provision to assets | 0.1254% | 1,979 |
| Net operating income to assets | 1.1977% | 1,524 |
| Return on assets (ROA) | 1.2049% | 1,576 |
| Pretax return on assets | 1.2049% | 2,647 |
| Return on Equity (ROE) | 13.5701% | 857 |
| Retained earnings to average equity (ytd only) | 6.6641% | 1,376 |
| Net charge-offs to loans | 0.0883% | 2,438 |
| Credit loss provision to net charge-offs | 260.0000% | 1,109 |
| Earnings coverage of net charge-offs (x) | 27.4240% | 1,513 |
| Efficiency ratio | 70.7564% | 2,786 |
| Assets per employee ($millions) | 4.5920% | 2,973 |
| Cash dividends to net income (ytd only)* | 50.8916% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,670 |
| Loan loss allowance to noncurrent loans | 367.6880% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 2,142 |
| Noncurrent loans to loans | 0.4079% | 3,686 |
| Net loans and leases to total assets | 54.2505% | 4,426 |
| Net loans and leases to deposits | 64.5966% | 4,353 |
| Net loans and leases to core deposits | 66.2148% | 4,514 |
| Total domestic deposits to total assets | 83.9835% | 3,424 |
| Equity capital to assets | 8.2961% | 5,422 |
| Core capital (leverage) ratio | 8.2583% | 5,469 |
| Tier 1 risk-based capital ratio | 11.4420% | 5,092 |
| Total risk-based capital ratio | 12.6033% | 5,041 |
| Memoranda: | ||
| Average total assets | $777,227,800 | 928 |
| Average earning assets | $712,426,600 | 934 |
| Average equity | $69,012,000 | 1,138 |
| Average total loans | $424,722,000 | 1,154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,556 |
| Cost of funding earning assets | 0.2146% | 4,928 |
| Net interest margin | 3.9722% | 1,736 |
| Noninterest income to average assets | 0.9800% | 1,191 |
| Noninterest expense to average assets | 3.2946% | 1,576 |
| Loan and lease loss provision to assets | 0.1168% | 1,977 |
| Net operating income to assets | 1.2051% | 1,626 |
| Return on assets (ROA) | 1.2057% | 1,721 |
| Pretax return on assets | 1.2057% | 2,809 |
| Return on Equity (ROE) | 13.3515% | 960 |
| Retained earnings to average equity (ytd only) | 6.6997% | 1,784 |
| Net charge-offs to loans | 0.1191% | 1,758 |
| Credit loss provision to net charge-offs | 179.7872% | 1,561 |
| Earnings coverage of net charge-offs (x) | 20.3511% | 1,877 |
| Efficiency ratio | 70.6807% | 2,795 |
| Assets per employee ($millions) | 4.6955% | 2,757 |
| Cash dividends to net income (ytd only)* | 49.8209% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,980 |
| Loan loss allowance to noncurrent loans | 537.0844% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 2,556 |
| Noncurrent loans to loans | 0.2700% | 4,296 |
| Net loans and leases to total assets | 53.6358% | 4,524 |
| Net loans and leases to deposits | 63.9506% | 4,494 |
| Net loans and leases to core deposits | 65.8008% | 4,621 |
| Total domestic deposits to total assets | 83.8706% | 3,252 |
| Equity capital to assets | 9.0710% | 5,104 |
| Core capital (leverage) ratio | 8.2668% | 5,523 |
| Tier 1 risk-based capital ratio | 11.2874% | 5,206 |
| Total risk-based capital ratio | 12.4000% | 5,199 |
| Memoranda: | ||
| Average total assets | $771,780,750 | 935 |
| Average earning assets | $706,567,750 | 944 |
| Average equity | $69,693,250 | 1,138 |
| Average total loans | $420,885,000 | 1,162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 2,713 |
| Cost of funding earning assets | 0.2187% | 4,953 |
| Net interest margin | 3.9226% | 1,907 |
| Noninterest income to average assets | 1.0100% | 1,095 |
| Noninterest expense to average assets | 3.3616% | 1,459 |
| Loan and lease loss provision to assets | 0.1182% | 1,930 |
| Net operating income to assets | 1.1175% | 1,899 |
| Return on assets (ROA) | 1.1183% | 2,012 |
| Pretax return on assets | 1.1183% | 3,127 |
| Return on Equity (ROE) | 12.4033% | 1,182 |
| Retained earnings to average equity (ytd only) | 6.6930% | 1,767 |
| Net charge-offs to loans | 0.1326% | 1,534 |
| Credit loss provision to net charge-offs | 163.4058% | 1,507 |
| Earnings coverage of net charge-offs (x) | 17.0797% | 1,892 |
| Efficiency ratio | 72.4256% | 2,591 |
| Assets per employee ($millions) | 4.5206% | 2,985 |
| Cash dividends to net income (ytd only)* | 46.0384% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 2,165 |
| Loan loss allowance to noncurrent loans | 567.0340% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 2,600 |
| Noncurrent loans to loans | 0.2521% | 4,449 |
| Net loans and leases to total assets | 54.1414% | 4,497 |
| Net loans and leases to deposits | 64.2524% | 4,476 |
| Net loans and leases to core deposits | 66.2160% | 4,595 |
| Total domestic deposits to total assets | 84.2636% | 3,169 |
| Equity capital to assets | 9.2553% | 5,017 |
| Core capital (leverage) ratio | 8.2578% | 5,566 |
| Tier 1 risk-based capital ratio | 11.1351% | 5,341 |
| Total risk-based capital ratio | 12.2325% | 5,359 |
| Memoranda: | ||
| Average total assets | $762,962,330 | 941 |
| Average earning assets | $697,757,000 | 953 |
| Average equity | $68,788,330 | 1,149 |
| Average total loans | $416,366,670 | 1,166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 2,857 |
| Cost of funding earning assets | 0.2211% | 4,987 |
| Net interest margin | 3.8741% | 2,013 |
| Noninterest income to average assets | 1.0704% | 946 |
| Noninterest expense to average assets | 3.3479% | 1,488 |
| Loan and lease loss provision to assets | 0.1166% | 1,804 |
| Net operating income to assets | 1.1508% | 1,707 |
| Return on assets (ROA) | 1.1524% | 1,819 |
| Pretax return on assets | 1.1524% | 2,882 |
| Return on Equity (ROE) | 12.9615% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.1755% | 1,805 |
| Net charge-offs to loans | 0.0705% | 1,778 |
| Credit loss provision to net charge-offs | 304.1667% | 839 |
| Earnings coverage of net charge-offs (x) | 33.0556% | 1,125 |
| Efficiency ratio | 71.8357% | 2,822 |
| Assets per employee ($millions) | 4.4868% | 3,093 |
| Cash dividends to net income (ytd only)* | 44.6396% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 2,158 |
| Loan loss allowance to noncurrent loans | 436.8870% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 2,073 |
| Noncurrent loans to loans | 0.3342% | 4,236 |
| Net loans and leases to total assets | 54.3894% | 4,415 |
| Net loans and leases to deposits | 62.9546% | 4,511 |
| Net loans and leases to core deposits | 65.5193% | 4,570 |
| Total domestic deposits to total assets | 86.3946% | 2,495 |
| Equity capital to assets | 8.9762% | 5,192 |
| Core capital (leverage) ratio | 8.3014% | 5,567 |
| Tier 1 risk-based capital ratio | 11.0981% | 5,453 |
| Total risk-based capital ratio | 12.2073% | 5,437 |
| Memoranda: | ||
| Average total assets | $751,154,000 | 956 |
| Average earning assets | $687,337,000 | 963 |
| Average equity | $66,782,500 | 1,172 |
| Average total loans | $408,530,000 | 1,183 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,231 |
| Cost of funding earning assets | 0.2422% | 4,862 |
| Net interest margin | 4.0593% | 1,527 |
| Noninterest income to average assets | 0.9827% | 1,221 |
| Noninterest expense to average assets | 3.6773% | 1,005 |
| Loan and lease loss provision to assets | 0.1068% | 2,206 |
| Net operating income to assets | 0.9066% | 2,831 |
| Return on assets (ROA) | 0.9483% | 2,701 |
| Pretax return on assets | 0.9483% | 3,658 |
| Return on Equity (ROE) | 10.6920% | 1,729 |
| Retained earnings to average equity (ytd only) | 5.8506% | 1,870 |
| Net charge-offs to loans | 0.0886% | 2,557 |
| Credit loss provision to net charge-offs | 221.7009% | 1,282 |
| Earnings coverage of net charge-offs (x) | 21.0440% | 1,838 |
| Efficiency ratio | 77.6838% | 2,014 |
| Assets per employee ($millions) | 4.3761% | 3,262 |
| Cash dividends to net income (ytd only)* | 45.2799% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,934 |
| Loan loss allowance to noncurrent loans | 475.4358% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 2,002 |
| Noncurrent loans to loans | 0.3186% | 4,317 |
| Net loans and leases to total assets | 52.7420% | 4,630 |
| Net loans and leases to deposits | 60.9172% | 4,706 |
| Net loans and leases to core deposits | 63.6115% | 4,762 |
| Total domestic deposits to total assets | 86.5798% | 2,338 |
| Equity capital to assets | 8.8024% | 5,305 |
| Core capital (leverage) ratio | 8.2949% | 5,608 |
| Tier 1 risk-based capital ratio | 11.4274% | 5,299 |
| Total risk-based capital ratio | 12.5632% | 5,260 |
| Memoranda: | ||
| Average total assets | $708,177,800 | 981 |
| Average earning assets | $646,878,800 | 983 |
| Average equity | $62,813,600 | 1,203 |
| Average total loans | $384,886,400 | 1,201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,176 |
| Cost of funding earning assets | 0.2482% | 4,899 |
| Net interest margin | 4.0682% | 1,501 |
| Noninterest income to average assets | 0.9966% | 1,190 |
| Noninterest expense to average assets | 3.7366% | 922 |
| Loan and lease loss provision to assets | 0.1190% | 1,912 |
| Net operating income to assets | 0.8510% | 3,170 |
| Return on assets (ROA) | 0.9074% | 3,023 |
| Pretax return on assets | 0.9074% | 3,961 |
| Return on Equity (ROE) | 10.2093% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.6273% | 2,507 |
| Net charge-offs to loans | 0.1082% | 2,049 |
| Credit loss provision to net charge-offs | 201.6129% | 1,324 |
| Earnings coverage of net charge-offs (x) | 16.4356% | 2,115 |
| Efficiency ratio | 79.3908% | 1,742 |
| Assets per employee ($millions) | 4.3565% | 3,236 |
| Cash dividends to net income (ytd only)* | 44.8804% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,178 |
| Loan loss allowance to noncurrent loans | 412.8761% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 2,089 |
| Noncurrent loans to loans | 0.3622% | 4,313 |
| Net loans and leases to total assets | 53.0973% | 4,655 |
| Net loans and leases to deposits | 61.3425% | 4,767 |
| Net loans and leases to core deposits | 66.2551% | 4,671 |
| Total domestic deposits to total assets | 86.5587% | 2,252 |
| Equity capital to assets | 8.6609% | 5,601 |
| Core capital (leverage) ratio | 8.1526% | 5,810 |
| Tier 1 risk-based capital ratio | 11.2925% | 5,491 |
| Total risk-based capital ratio | 12.4166% | 5,461 |
| Memoranda: | ||
| Average total assets | $700,333,000 | 994 |
| Average earning assets | $638,659,750 | 999 |
| Average equity | $62,242,250 | 1,219 |
| Average total loans | $382,093,750 | 1,211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,121 |
| Cost of funding earning assets | 0.2496% | 4,946 |
| Net interest margin | 4.0665% | 1,457 |
| Noninterest income to average assets | 1.0101% | 1,158 |
| Noninterest expense to average assets | 3.8454% | 819 |
| Loan and lease loss provision to assets | 0.1076% | 2,034 |
| Net operating income to assets | 0.7646% | 3,566 |
| Return on assets (ROA) | 0.8466% | 3,248 |
| Pretax return on assets | 0.8466% | 4,135 |
| Return on Equity (ROE) | 9.4407% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.0760% | 2,815 |
| Net charge-offs to loans | 0.1619% | 1,504 |
| Credit loss provision to net charge-offs | 121.2418% | 1,792 |
| Earnings coverage of net charge-offs (x) | 9.8301% | 2,417 |
| Efficiency ratio | 81.5131% | 1,558 |
| Assets per employee ($millions) | 4.0805% | 3,722 |
| Cash dividends to net income (ytd only)* | 46.2329% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,612 |
| Loan loss allowance to noncurrent loans | 260.7291% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 1,901 |
| Noncurrent loans to loans | 0.5486% | 3,807 |
| Net loans and leases to total assets | 52.7132% | 4,684 |
| Net loans and leases to deposits | 62.8335% | 4,634 |
| Net loans and leases to core deposits | 68.1799% | 4,477 |
| Total domestic deposits to total assets | 83.8935% | 3,615 |
| Equity capital to assets | 8.2212% | 5,868 |
| Core capital (leverage) ratio | 8.0782% | 5,884 |
| Tier 1 risk-based capital ratio | 11.1528% | 5,641 |
| Total risk-based capital ratio | 12.2362% | 5,633 |
| Memoranda: | ||
| Average total assets | $689,810,670 | 1,012 |
| Average earning assets | $628,899,330 | 1,018 |
| Average equity | $61,860,000 | 1,229 |
| Average total loans | $377,952,000 | 1,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 1,738 |
| Cost of funding earning assets | 0.2736% | 4,741 |
| Net interest margin | 4.1350% | 1,196 |
| Noninterest income to average assets | 1.0333% | 1,047 |
| Noninterest expense to average assets | 3.9692% | 722 |
| Loan and lease loss provision to assets | 0.1238% | 1,681 |
| Net operating income to assets | 0.7099% | 3,747 |
| Return on assets (ROA) | 0.8073% | 3,344 |
| Pretax return on assets | 0.8073% | 4,210 |
| Return on Equity (ROE) | 8.6048% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.1198% | 3,535 |
| Net charge-offs to loans | 0.3151% | 755 |
| Credit loss provision to net charge-offs | 70.7904% | 1,909 |
| Earnings coverage of net charge-offs (x) | 4.7663% | 2,450 |
| Efficiency ratio | 82.6408% | 1,541 |
| Assets per employee ($millions) | 4.0184% | 3,922 |
| Cash dividends to net income (ytd only)* | 52.1221% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 2,856 |
| Loan loss allowance to noncurrent loans | 130.5483% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6827% | 1,496 |
| Noncurrent loans to loans | 1.0823% | 2,598 |
| Net loans and leases to total assets | 52.7640% | 4,583 |
| Net loans and leases to deposits | 61.2524% | 4,640 |
| Net loans and leases to core deposits | 67.2787% | 4,406 |
| Total domestic deposits to total assets | 86.1420% | 2,862 |
| Equity capital to assets | 8.6671% | 5,599 |
| Core capital (leverage) ratio | 8.0519% | 5,911 |
| Tier 1 risk-based capital ratio | 11.3068% | 5,657 |
| Total risk-based capital ratio | 12.3943% | 5,657 |
| Memoranda: | ||
| Average total assets | $665,431,000 | 1,047 |
| Average earning assets | $606,622,500 | 1,052 |
| Average equity | $62,430,500 | 1,222 |
| Average total loans | $369,441,000 | 1,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,213 |
| Cost of funding earning assets | 0.2884% | 4,916 |
| Net interest margin | 4.1139% | 1,535 |
| Noninterest income to average assets | 1.0950% | 1,012 |
| Noninterest expense to average assets | 3.9168% | 838 |
| Loan and lease loss provision to assets | 0.1141% | 2,267 |
| Net operating income to assets | 0.8200% | 3,281 |
| Return on assets (ROA) | 0.8618% | 3,151 |
| Pretax return on assets | 0.8618% | 4,028 |
| Return on Equity (ROE) | 8.8183% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.5282% | 2,949 |
| Net charge-offs to loans | 0.1283% | 2,738 |
| Credit loss provision to net charge-offs | 153.1674% | 1,584 |
| Earnings coverage of net charge-offs (x) | 12.5362% | 2,357 |
| Efficiency ratio | 80.7430% | 1,814 |
| Assets per employee ($millions) | 3.8688% | 4,226 |
| Cash dividends to net income (ytd only)* | 48.6502% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 2,099 |
| Loan loss allowance to noncurrent loans | 158.8453% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.8390% | 1,407 |
| Noncurrent loans to loans | 1.0057% | 2,821 |
| Net loans and leases to total assets | 57.0025% | 4,195 |
| Net loans and leases to deposits | 69.8151% | 3,938 |
| Net loans and leases to core deposits | 80.7377% | 3,213 |
| Total domestic deposits to total assets | 81.6478% | 4,550 |
| Equity capital to assets | 10.2435% | 3,796 |
| Core capital (leverage) ratio | 9.7623% | 3,882 |
| Tier 1 risk-based capital ratio | 13.4142% | 4,458 |
| Total risk-based capital ratio | 14.6645% | 4,401 |
| Memoranda: | ||
| Average total assets | $593,169,400 | 1,118 |
| Average earning assets | $541,555,600 | 1,119 |
| Average equity | $57,970,400 | 1,258 |
| Average total loans | $344,418,200 | 1,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,193 |
| Cost of funding earning assets | 0.2918% | 4,972 |
| Net interest margin | 4.1152% | 1,529 |
| Noninterest income to average assets | 1.0146% | 1,188 |
| Noninterest expense to average assets | 3.8562% | 903 |
| Loan and lease loss provision to assets | 0.1409% | 1,772 |
| Net operating income to assets | 0.7741% | 3,540 |
| Return on assets (ROA) | 0.7762% | 3,636 |
| Pretax return on assets | 0.7762% | 4,446 |
| Return on Equity (ROE) | 8.0409% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.6018% | 4,085 |
| Net charge-offs to loans | 0.1453% | 2,346 |
| Credit loss provision to net charge-offs | 166.8449% | 1,467 |
| Earnings coverage of net charge-offs (x) | 10.8370% | 2,498 |
| Efficiency ratio | 80.8224% | 1,790 |
| Assets per employee ($millions) | 4.0164% | 3,839 |
| Cash dividends to net income (ytd only)* | 55.2064% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 2,145 |
| Loan loss allowance to noncurrent loans | 168.7255% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 1,488 |
| Noncurrent loans to loans | 0.9761% | 3,120 |
| Net loans and leases to total assets | 56.2585% | 4,297 |
| Net loans and leases to deposits | 70.7096% | 3,832 |
| Net loans and leases to core deposits | 83.8800% | 2,890 |
| Total domestic deposits to total assets | 79.5628% | 5,207 |
| Equity capital to assets | 10.1353% | 4,004 |
| Core capital (leverage) ratio | 9.7360% | 4,017 |
| Tier 1 risk-based capital ratio | 13.5605% | 4,500 |
| Total risk-based capital ratio | 14.8115% | 4,443 |
| Memoranda: | ||
| Average total assets | $590,578,000 | 1,127 |
| Average earning assets | $539,126,750 | 1,130 |
| Average equity | $57,007,250 | 1,293 |
| Average total loans | $343,119,000 | 1,284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 1,983 |
| Cost of funding earning assets | 0.2929% | 5,035 |
| Net interest margin | 4.1607% | 1,348 |
| Noninterest income to average assets | 0.9812% | 1,254 |
| Noninterest expense to average assets | 3.8317% | 933 |
| Loan and lease loss provision to assets | 0.1446% | 1,712 |
| Net operating income to assets | 0.7993% | 3,341 |
| Return on assets (ROA) | 0.8030% | 3,419 |
| Pretax return on assets | 0.8030% | 4,250 |
| Return on Equity (ROE) | 8.4609% | 2,857 |
| Retained earnings to average equity (ytd only) | 4.0874% | 3,572 |
| Net charge-offs to loans | -0.0285% | 5,666 |
| Credit loss provision to net charge-offs | -869.3878% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2359% | 1,988 |
| Assets per employee ($millions) | 3.8856% | 4,095 |
| Cash dividends to net income (ytd only)* | 51.6906% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,074 |
| Loan loss allowance to noncurrent loans | 126.5754% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 1,480 |
| Noncurrent loans to loans | 1.3589% | 2,540 |
| Net loans and leases to total assets | 56.3541% | 4,233 |
| Net loans and leases to deposits | 71.5116% | 3,638 |
| Net loans and leases to core deposits | 86.5371% | 2,466 |
| Total domestic deposits to total assets | 78.8041% | 5,499 |
| Equity capital to assets | 9.9773% | 4,136 |
| Core capital (leverage) ratio | 9.7341% | 3,990 |
| Tier 1 risk-based capital ratio | 13.4966% | 4,582 |
| Total risk-based capital ratio | 14.7476% | 4,525 |
| Memoranda: | ||
| Average total assets | $589,297,330 | 1,130 |
| Average earning assets | $537,414,670 | 1,128 |
| Average equity | $55,927,670 | 1,301 |
| Average total loans | $344,154,670 | 1,276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,827 |
| Cost of funding earning assets | 0.2916% | 5,159 |
| Net interest margin | 4.2049% | 1,205 |
| Noninterest income to average assets | 0.9547% | 1,246 |
| Noninterest expense to average assets | 3.9087% | 851 |
| Loan and lease loss provision to assets | 0.1284% | 1,892 |
| Net operating income to assets | 0.7495% | 3,421 |
| Return on assets (ROA) | 0.7706% | 3,388 |
| Pretax return on assets | 0.7706% | 4,224 |
| Return on Equity (ROE) | 8.3339% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.9245% | 3,759 |
| Net charge-offs to loans | -0.0703% | 5,959 |
| Credit loss provision to net charge-offs | -309.8361% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6581% | 1,972 |
| Assets per employee ($millions) | 3.8207% | 4,283 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,647 |
| Loan loss allowance to noncurrent loans | 207.1006% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 1,820 |
| Noncurrent loans to loans | 0.7778% | 3,914 |
| Net loans and leases to total assets | 58.5171% | 3,760 |
| Net loans and leases to deposits | 73.8416% | 3,086 |
| Net loans and leases to core deposits | 90.5361% | 1,871 |
| Total domestic deposits to total assets | 79.2469% | 5,643 |
| Equity capital to assets | 9.5969% | 4,356 |
| Core capital (leverage) ratio | 9.6990% | 3,998 |
| Tier 1 risk-based capital ratio | 13.2092% | 4,891 |
| Total risk-based capital ratio | 14.4490% | 4,828 |
| Memoranda: | ||
| Average total assets | $588,641,000 | 1,137 |
| Average earning assets | $536,420,500 | 1,144 |
| Average equity | $54,428,000 | 1,333 |
| Average total loans | $346,903,000 | 1,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,085 |
| Cost of funding earning assets | 0.3072% | 5,542 |
| Net interest margin | 3.9594% | 2,073 |
| Noninterest income to average assets | 0.9100% | 1,647 |
| Noninterest expense to average assets | 3.7799% | 1,172 |
| Loan and lease loss provision to assets | 0.1807% | 2,038 |
| Net operating income to assets | 0.5800% | 4,356 |
| Return on assets (ROA) | 0.6869% | 3,955 |
| Pretax return on assets | 0.6869% | 4,589 |
| Return on Equity (ROE) | 6.8484% | 3,651 |
| Retained earnings to average equity (ytd only) | -4.8951% | 6,360 |
| Net charge-offs to loans | 0.3596% | 1,879 |
| Credit loss provision to net charge-offs | 91.4237% | 2,716 |
| Earnings coverage of net charge-offs (x) | 3.8491% | 3,737 |
| Efficiency ratio | 83.2475% | 1,718 |
| Assets per employee ($millions) | 3.8240% | 4,215 |
| Cash dividends to net income (ytd only)* | 171.4779% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 2,975 |
| Loan loss allowance to noncurrent loans | 183.4076% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9635% | 1,833 |
| Noncurrent loans to loans | 0.8427% | 3,875 |
| Net loans and leases to total assets | 57.4954% | 4,124 |
| Net loans and leases to deposits | 74.8851% | 3,116 |
| Net loans and leases to core deposits | 90.4249% | 1,976 |
| Total domestic deposits to total assets | 76.7782% | 6,009 |
| Equity capital to assets | 8.9007% | 5,146 |
| Core capital (leverage) ratio | 9.5516% | 4,189 |
| Tier 1 risk-based capital ratio | 12.8525% | 5,082 |
| Total risk-based capital ratio | 14.0828% | 5,039 |
| Memoranda: | ||
| Average total assets | $590,011,200 | 1,125 |
| Average earning assets | $541,015,800 | 1,122 |
| Average equity | $59,181,600 | 1,212 |
| Average total loans | $324,223,800 | 1,317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 3,326 |
| Cost of funding earning assets | 0.3102% | 5,642 |
| Net interest margin | 3.9055% | 2,255 |
| Noninterest income to average assets | 0.9932% | 1,474 |
| Noninterest expense to average assets | 3.8343% | 1,044 |
| Loan and lease loss provision to assets | 0.1726% | 2,106 |
| Net operating income to assets | 0.5728% | 4,458 |
| Return on assets (ROA) | 0.7122% | 3,929 |
| Pretax return on assets | 0.7122% | 4,651 |
| Return on Equity (ROE) | 6.9047% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.8210% | 3,213 |
| Net charge-offs to loans | 0.4237% | 1,508 |
| Credit loss provision to net charge-offs | 75.3208% | 2,958 |
| Earnings coverage of net charge-offs (x) | 3.2527% | 3,757 |
| Efficiency ratio | 83.7228% | 1,639 |
| Assets per employee ($millions) | 3.9110% | 4,015 |
| Cash dividends to net income (ytd only)* | 30.1780% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,335 |
| Loan loss allowance to noncurrent loans | 134.5408% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 2.0698% | 1,941 |
| Noncurrent loans to loans | 1.1375% | 3,530 |
| Net loans and leases to total assets | 55.9147% | 4,333 |
| Net loans and leases to deposits | 72.9628% | 3,412 |
| Net loans and leases to core deposits | 88.0843% | 2,176 |
| Total domestic deposits to total assets | 76.6345% | 6,097 |
| Equity capital to assets | 9.7579% | 4,231 |
| Core capital (leverage) ratio | 10.2702% | 3,284 |
| Tier 1 risk-based capital ratio | 14.1766% | 4,296 |
| Total risk-based capital ratio | 15.3852% | 4,277 |
| Memoranda: | ||
| Average total assets | $589,334,000 | 1,143 |
| Average earning assets | $541,204,000 | 1,131 |
| Average equity | $60,788,000 | 1,193 |
| Average total loans | $318,745,500 | 1,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,453 |
| Cost of funding earning assets | 0.3133% | 5,731 |
| Net interest margin | 3.8633% | 2,332 |
| Noninterest income to average assets | 0.9497% | 1,657 |
| Noninterest expense to average assets | 3.8924% | 990 |
| Loan and lease loss provision to assets | 0.1777% | 2,135 |
| Net operating income to assets | 0.4342% | 5,087 |
| Return on assets (ROA) | 0.6375% | 4,268 |
| Pretax return on assets | 0.6375% | 4,884 |
| Return on Equity (ROE) | 6.0694% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.6081% | 3,333 |
| Net charge-offs to loans | 0.4626% | 1,428 |
| Credit loss provision to net charge-offs | 72.2607% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.4882% | 3,694 |
| Efficiency ratio | 86.4142% | 1,376 |
| Assets per employee ($millions) | 3.8118% | 4,185 |
| Cash dividends to net income (ytd only)* | 24.0770% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,052 |
| Loan loss allowance to noncurrent loans | 112.9518% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 2.5556% | 1,643 |
| Noncurrent loans to loans | 1.4423% | 3,141 |
| Net loans and leases to total assets | 52.6358% | 4,785 |
| Net loans and leases to deposits | 68.5576% | 3,927 |
| Net loans and leases to core deposits | 81.6873% | 2,831 |
| Total domestic deposits to total assets | 76.7760% | 6,158 |
| Equity capital to assets | 9.6492% | 4,392 |
| Core capital (leverage) ratio | 10.1637% | 3,277 |
| Tier 1 risk-based capital ratio | 14.3493% | 4,193 |
| Total risk-based capital ratio | 15.6004% | 4,147 |
| Memoranda: | ||
| Average total assets | $586,319,330 | 1,147 |
| Average earning assets | $539,489,000 | 1,135 |
| Average equity | $61,587,670 | 1,182 |
| Average total loans | $311,733,670 | 1,360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 3,181 |
| Cost of funding earning assets | 0.3161% | 5,830 |
| Net interest margin | 3.9150% | 2,064 |
| Noninterest income to average assets | 0.7345% | 2,405 |
| Noninterest expense to average assets | 3.9063% | 992 |
| Loan and lease loss provision to assets | 0.0408% | 3,916 |
| Net operating income to assets | 0.4108% | 5,085 |
| Return on assets (ROA) | 0.6494% | 4,122 |
| Pretax return on assets | 0.6494% | 4,780 |
| Return on Equity (ROE) | 5.9313% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.9313% | 2,716 |
| Net charge-offs to loans | 0.6317% | 968 |
| Credit loss provision to net charge-offs | 12.1901% | 3,122 |
| Earnings coverage of net charge-offs (x) | 1.3492% | 3,381 |
| Efficiency ratio | 89.6366% | 1,174 |
| Assets per employee ($millions) | 3.7310% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 3,129 |
| Loan loss allowance to noncurrent loans | 119.1605% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 2.5976% | 1,758 |
| Noncurrent loans to loans | 1.4022% | 3,466 |
| Net loans and leases to total assets | 51.8049% | 4,730 |
| Net loans and leases to deposits | 64.3936% | 4,269 |
| Net loans and leases to core deposits | 73.1994% | 3,680 |
| Total domestic deposits to total assets | 80.4503% | 5,654 |
| Equity capital to assets | 11.0888% | 2,860 |
| Core capital (leverage) ratio | 10.2602% | 3,061 |
| Tier 1 risk-based capital ratio | 15.4908% | 3,531 |
| Total risk-based capital ratio | 16.7414% | 3,490 |
| Memoranda: | ||
| Average total assets | $578,350,500 | 1,169 |
| Average earning assets | $535,277,500 | 1,153 |
| Average equity | $63,325,000 | 1,171 |
| Average total loans | $306,474,000 | 1,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 3,575 |
| Cost of funding earning assets | 0.3802% | 6,052 |
| Net interest margin | 4.0787% | 2,087 |
| Noninterest income to average assets | 1.0070% | 1,516 |
| Noninterest expense to average assets | 3.9008% | 1,100 |
| Loan and lease loss provision to assets | 0.3842% | 1,700 |
| Net operating income to assets | 0.5193% | 4,605 |
| Return on assets (ROA) | 0.7243% | 3,875 |
| Pretax return on assets | 0.7243% | 4,580 |
| Return on Equity (ROE) | 6.3234% | 4,002 |
| Retained earnings to average equity (ytd only) | -1.2603% | 6,053 |
| Net charge-offs to loans | 0.7199% | 1,633 |
| Credit loss provision to net charge-offs | 97.7221% | 3,176 |
| Earnings coverage of net charge-offs (x) | 2.2979% | 4,271 |
| Efficiency ratio | 81.1945% | 1,986 |
| Assets per employee ($millions) | 3.7316% | 4,504 |
| Cash dividends to net income (ytd only)* | 119.9308% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 2,772 |
| Loan loss allowance to noncurrent loans | 120.4154% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 1,780 |
| Noncurrent loans to loans | 1.4497% | 3,427 |
| Net loans and leases to total assets | 52.3588% | 4,874 |
| Net loans and leases to deposits | 67.2652% | 4,091 |
| Net loans and leases to core deposits | 76.3047% | 3,488 |
| Total domestic deposits to total assets | 77.8394% | 6,107 |
| Equity capital to assets | 10.8133% | 3,162 |
| Core capital (leverage) ratio | 10.2051% | 3,130 |
| Tier 1 risk-based capital ratio | 14.7977% | 3,835 |
| Total risk-based capital ratio | 16.0478% | 3,789 |
| Memoranda: | ||
| Average total assets | $558,295,800 | 1,195 |
| Average earning assets | $519,772,400 | 1,167 |
| Average equity | $63,952,600 | 1,106 |
| Average total loans | $304,922,800 | 1,374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 3,500 |
| Cost of funding earning assets | 0.3987% | 6,127 |
| Net interest margin | 4.1357% | 1,951 |
| Noninterest income to average assets | 0.9372% | 1,712 |
| Noninterest expense to average assets | 3.9392% | 1,020 |
| Loan and lease loss provision to assets | 0.4350% | 1,453 |
| Net operating income to assets | 0.4183% | 5,170 |
| Return on assets (ROA) | 0.6652% | 4,333 |
| Pretax return on assets | 0.6652% | 4,969 |
| Return on Equity (ROE) | 5.7219% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.1860% | 5,237 |
| Net charge-offs to loans | 0.9673% | 1,103 |
| Credit loss provision to net charge-offs | 81.8099% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.6048% | 4,478 |
| Efficiency ratio | 82.1948% | 1,784 |
| Assets per employee ($millions) | 3.6593% | 4,634 |
| Cash dividends to net income (ytd only)* | 61.7957% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,066 |
| Loan loss allowance to noncurrent loans | 75.9042% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.7213% | 1,942 |
| Noncurrent loans to loans | 2.2694% | 2,537 |
| Net loans and leases to total assets | 52.3141% | 5,001 |
| Net loans and leases to deposits | 64.5731% | 4,646 |
| Net loans and leases to core deposits | 77.3503% | 3,562 |
| Total domestic deposits to total assets | 81.0153% | 5,351 |
| Equity capital to assets | 11.7661% | 2,467 |
| Core capital (leverage) ratio | 10.7941% | 2,610 |
| Tier 1 risk-based capital ratio | 16.6147% | 2,933 |
| Total risk-based capital ratio | 17.8698% | 2,903 |
| Memoranda: | ||
| Average total assets | $551,404,000 | 1,229 |
| Average earning assets | $514,012,250 | 1,195 |
| Average equity | $64,103,000 | 1,115 |
| Average total loans | $303,103,250 | 1,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 3,414 |
| Cost of funding earning assets | 0.4132% | 6,197 |
| Net interest margin | 4.1764% | 1,825 |
| Noninterest income to average assets | 0.9596% | 1,580 |
| Noninterest expense to average assets | 3.9298% | 1,038 |
| Loan and lease loss provision to assets | 0.4056% | 1,619 |
| Net operating income to assets | 0.5176% | 4,732 |
| Return on assets (ROA) | 0.6686% | 4,283 |
| Pretax return on assets | 0.6686% | 4,914 |
| Return on Equity (ROE) | 5.7748% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.5332% | 5,441 |
| Net charge-offs to loans | 0.7301% | 1,515 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.2762% | 3,857 |
| Efficiency ratio | 80.9759% | 2,029 |
| Assets per employee ($millions) | 3.5776% | 4,796 |
| Cash dividends to net income (ytd only)* | 73.4494% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 2,672 |
| Loan loss allowance to noncurrent loans | 69.0955% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 3.2217% | 1,691 |
| Noncurrent loans to loans | 2.6911% | 2,232 |
| Net loans and leases to total assets | 52.3490% | 5,052 |
| Net loans and leases to deposits | 64.4134% | 4,709 |
| Net loans and leases to core deposits | 79.4331% | 3,299 |
| Total domestic deposits to total assets | 81.2704% | 5,370 |
| Equity capital to assets | 11.5260% | 2,566 |
| Core capital (leverage) ratio | 10.8028% | 2,477 |
| Tier 1 risk-based capital ratio | 16.7401% | 2,791 |
| Total risk-based capital ratio | 17.9965% | 2,739 |
| Memoranda: | ||
| Average total assets | $549,803,330 | 1,233 |
| Average earning assets | $512,549,670 | 1,201 |
| Average equity | $63,656,000 | 1,114 |
| Average total loans | $305,446,330 | 1,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 3,290 |
| Cost of funding earning assets | 0.4250% | 6,281 |
| Net interest margin | 4.2203% | 1,702 |
| Noninterest income to average assets | 0.9528% | 1,557 |
| Noninterest expense to average assets | 3.9792% | 957 |
| Loan and lease loss provision to assets | 0.2302% | 2,645 |
| Net operating income to assets | 0.6832% | 3,965 |
| Return on assets (ROA) | 0.7314% | 3,963 |
| Pretax return on assets | 0.7314% | 4,685 |
| Return on Equity (ROE) | 6.3029% | 4,136 |
| Retained earnings to average equity (ytd only) | 0.9508% | 5,693 |
| Net charge-offs to loans | 0.1483% | 3,209 |
| Credit loss provision to net charge-offs | 273.9130% | 1,063 |
| Earnings coverage of net charge-offs (x) | 10.8696% | 1,722 |
| Efficiency ratio | 81.3321% | 2,038 |
| Assets per employee ($millions) | 3.4121% | 5,320 |
| Cash dividends to net income (ytd only)* | 84.9151% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,814 |
| Loan loss allowance to noncurrent loans | 59.8551% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 3.5345% | 1,620 |
| Noncurrent loans to loans | 3.1049% | 2,065 |
| Net loans and leases to total assets | 54.7929% | 4,588 |
| Net loans and leases to deposits | 68.6667% | 3,931 |
| Net loans and leases to core deposits | 85.2282% | 2,378 |
| Total domestic deposits to total assets | 79.7954% | 5,899 |
| Equity capital to assets | 11.6114% | 2,340 |
| Core capital (leverage) ratio | 10.8681% | 2,366 |
| Tier 1 risk-based capital ratio | 16.2175% | 3,062 |
| Total risk-based capital ratio | 17.4679% | 3,021 |
| Memoranda: | ||
| Average total assets | $547,441,000 | 1,242 |
| Average earning assets | $511,048,500 | 1,208 |
| Average equity | $63,526,500 | 1,110 |
| Average total loans | $310,274,500 | 1,371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 3,875 |
| Cost of funding earning assets | 0.5182% | 6,460 |
| Net interest margin | 4.2681% | 1,813 |
| Noninterest income to average assets | 1.0171% | 1,317 |
| Noninterest expense to average assets | 4.0903% | 922 |
| Loan and lease loss provision to assets | 0.5871% | 1,762 |
| Net operating income to assets | 0.3028% | 5,239 |
| Return on assets (ROA) | 0.4845% | 4,700 |
| Pretax return on assets | 0.4845% | 5,035 |
| Return on Equity (ROE) | 4.3377% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,096 |
| Net charge-offs to loans | 0.9005% | 1,928 |
| Credit loss provision to net charge-offs | 112.0357% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1.6982% | 4,503 |
| Efficiency ratio | 82.1314% | 2,000 |
| Assets per employee ($millions) | 3.4096% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 3,018 |
| Loan loss allowance to noncurrent loans | 57.7488% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.3609% | 1,764 |
| Noncurrent loans to loans | 3.0346% | 2,141 |
| Net loans and leases to total assets | 56.5218% | 4,620 |
| Net loans and leases to deposits | 69.9904% | 4,102 |
| Net loans and leases to core deposits | 86.6705% | 2,547 |
| Total domestic deposits to total assets | 80.7564% | 5,526 |
| Equity capital to assets | 11.5971% | 2,427 |
| Core capital (leverage) ratio | 11.0759% | 2,214 |
| Tier 1 risk-based capital ratio | 16.0895% | 2,997 |
| Total risk-based capital ratio | 17.3423% | 2,956 |
| Memoranda: | ||
| Average total assets | $534,338,400 | 1,248 |
| Average earning assets | $496,143,800 | 1,219 |
| Average equity | $59,686,600 | 1,130 |
| Average total loans | $310,947,800 | 1,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 3,923 |
| Cost of funding earning assets | 0.5394% | 6,546 |
| Net interest margin | 4.2845% | 1,777 |
| Noninterest income to average assets | 0.9499% | 1,486 |
| Noninterest expense to average assets | 4.1529% | 839 |
| Loan and lease loss provision to assets | 0.5809% | 1,693 |
| Net operating income to assets | 0.1889% | 5,729 |
| Return on assets (ROA) | 0.4304% | 5,051 |
| Pretax return on assets | 0.4304% | 5,373 |
| Return on Equity (ROE) | 3.8916% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.8916% | 3,950 |
| Net charge-offs to loans | 1.0654% | 1,494 |
| Credit loss provision to net charge-offs | 93.4248% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.2380% | 4,687 |
| Efficiency ratio | 84.3618% | 1,697 |
| Assets per employee ($millions) | 3.4609% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,633 |
| Loan loss allowance to noncurrent loans | 48.6334% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 3.8845% | 1,587 |
| Noncurrent loans to loans | 3.3033% | 2,093 |
| Net loans and leases to total assets | 57.0867% | 4,669 |
| Net loans and leases to deposits | 72.0050% | 3,992 |
| Net loans and leases to core deposits | 89.8646% | 2,269 |
| Total domestic deposits to total assets | 79.2815% | 5,924 |
| Equity capital to assets | 11.4211% | 2,761 |
| Core capital (leverage) ratio | 11.0200% | 2,372 |
| Tier 1 risk-based capital ratio | 15.9588% | 3,142 |
| Total risk-based capital ratio | 17.2101% | 3,095 |
| Memoranda: | ||
| Average total assets | $531,539,750 | 1,257 |
| Average earning assets | $492,859,500 | 1,235 |
| Average equity | $58,791,750 | 1,150 |
| Average total loans | $310,223,500 | 1,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 4,038 |
| Cost of funding earning assets | 0.5601% | 6,626 |
| Net interest margin | 4.2535% | 1,829 |
| Noninterest income to average assets | 1.0655% | 1,161 |
| Noninterest expense to average assets | 4.2691% | 773 |
| Loan and lease loss provision to assets | 0.3227% | 2,854 |
| Net operating income to assets | 0.4121% | 4,888 |
| Return on assets (ROA) | 0.3918% | 5,129 |
| Pretax return on assets | 0.3918% | 5,415 |
| Return on Equity (ROE) | 3.5814% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.5814% | 3,953 |
| Net charge-offs to loans | 0.4537% | 2,764 |
| Credit loss provision to net charge-offs | 121.6216% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.7696% | 3,463 |
| Efficiency ratio | 85.3145% | 1,670 |
| Assets per employee ($millions) | 3.2889% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 3,264 |
| Loan loss allowance to noncurrent loans | 37.9969% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 4.5674% | 1,371 |
| Noncurrent loans to loans | 4.5232% | 1,461 |
| Net loans and leases to total assets | 56.6958% | 4,867 |
| Net loans and leases to deposits | 69.3846% | 4,514 |
| Net loans and leases to core deposits | 86.0531% | 2,897 |
| Total domestic deposits to total assets | 81.7123% | 5,270 |
| Equity capital to assets | 11.0831% | 2,870 |
| Core capital (leverage) ratio | 10.9465% | 2,302 |
| Tier 1 risk-based capital ratio | 15.8720% | 3,048 |
| Total risk-based capital ratio | 17.1245% | 3,018 |
| Memoranda: | ||
| Average total assets | $529,905,000 | 1,265 |
| Average earning assets | $490,651,330 | 1,246 |
| Average equity | $57,966,330 | 1,154 |
| Average total loans | $309,885,330 | 1,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 4,570 |
| Cost of funding earning assets | 0.5828% | 6,682 |
| Net interest margin | 4.1066% | 2,247 |
| Noninterest income to average assets | 1.0470% | 1,200 |
| Noninterest expense to average assets | 4.3104% | 717 |
| Loan and lease loss provision to assets | 0.3143% | 2,657 |
| Net operating income to assets | 0.2263% | 5,698 |
| Return on assets (ROA) | 0.2156% | 5,796 |
| Pretax return on assets | 0.2156% | 5,900 |
| Return on Equity (ROE) | 1.9846% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.9846% | 4,937 |
| Net charge-offs to loans | 0.8407% | 1,566 |
| Credit loss provision to net charge-offs | 63.4969% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.0920% | 3,845 |
| Efficiency ratio | 88.8558% | 1,432 |
| Assets per employee ($millions) | 3.2311% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,721 |
| Loan loss allowance to noncurrent loans | 33.9608% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 4.7435% | 1,338 |
| Noncurrent loans to loans | 4.7138% | 1,466 |
| Net loans and leases to total assets | 56.7833% | 4,851 |
| Net loans and leases to deposits | 69.2528% | 4,482 |
| Net loans and leases to core deposits | 85.7525% | 2,911 |
| Total domestic deposits to total assets | 81.9942% | 5,320 |
| Equity capital to assets | 10.8083% | 2,874 |
| Core capital (leverage) ratio | 10.8935% | 2,268 |
| Tier 1 risk-based capital ratio | 15.7165% | 3,047 |
| Total risk-based capital ratio | 16.9680% | 3,008 |
| Memoranda: | ||
| Average total assets | $526,814,500 | 1,285 |
| Average earning assets | $487,999,000 | 1,261 |
| Average equity | $57,242,000 | 1,159 |
| Average total loans | $310,201,500 | 1,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 4,686 |
| Cost of funding earning assets | 0.7513% | 6,730 |
| Net interest margin | 4.2201% | 2,099 |
| Noninterest income to average assets | 1.0722% | 1,304 |
| Noninterest expense to average assets | 4.2259% | 880 |
| Loan and lease loss provision to assets | 0.6511% | 2,534 |
| Net operating income to assets | 0.0827% | 5,632 |
| Return on assets (ROA) | 0.1788% | 5,512 |
| Pretax return on assets | 0.1788% | 5,529 |
| Return on Equity (ROE) | 1.6117% | 5,521 |
| Retained earnings to average equity (ytd only) | 1.6117% | 4,714 |
| Net charge-offs to loans | 0.8077% | 2,612 |
| Credit loss provision to net charge-offs | 132.1853% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.4897% | 4,638 |
| Efficiency ratio | 85.2043% | 1,782 |
| Assets per employee ($millions) | 3.1356% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,395 |
| Loan loss allowance to noncurrent loans | 35.0176% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 5.1481% | 1,235 |
| Noncurrent loans to loans | 4.7143% | 1,474 |
| Net loans and leases to total assets | 59.0945% | 4,822 |
| Net loans and leases to deposits | 72.3576% | 4,455 |
| Net loans and leases to core deposits | 90.1751% | 2,744 |
| Total domestic deposits to total assets | 81.6700% | 5,305 |
| Equity capital to assets | 10.9245% | 2,750 |
| Core capital (leverage) ratio | 10.8752% | 2,251 |
| Tier 1 risk-based capital ratio | 15.4659% | 3,011 |
| Total risk-based capital ratio | 16.7176% | 2,972 |
| Memoranda: | ||
| Average total assets | $512,787,200 | 1,305 |
| Average earning assets | $472,384,200 | 1,296 |
| Average equity | $56,898,200 | 1,170 |
| Average total loans | $312,753,400 | 1,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 4,644 |
| Cost of funding earning assets | 0.7865% | 6,806 |
| Net interest margin | 4.2499% | 2,033 |
| Noninterest income to average assets | 0.9740% | 1,540 |
| Noninterest expense to average assets | 4.1409% | 885 |
| Loan and lease loss provision to assets | 0.7806% | 1,952 |
| Net operating income to assets | -0.0368% | 6,074 |
| Return on assets (ROA) | 0.0921% | 5,934 |
| Pretax return on assets | 0.0921% | 5,922 |
| Return on Equity (ROE) | 0.8270% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.8270% | 5,479 |
| Net charge-offs to loans | 0.9340% | 2,124 |
| Credit loss provision to net charge-offs | 136.5130% | 2,931 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,776 |
| Efficiency ratio | 84.7724% | 1,752 |
| Assets per employee ($millions) | 3.2774% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,312 |
| Loan loss allowance to noncurrent loans | 36.8515% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 4.9515% | 1,307 |
| Noncurrent loans to loans | 4.4957% | 1,603 |
| Net loans and leases to total assets | 58.2978% | 5,211 |
| Net loans and leases to deposits | 72.0238% | 4,840 |
| Net loans and leases to core deposits | 85.0134% | 3,797 |
| Total domestic deposits to total assets | 80.9423% | 5,397 |
| Equity capital to assets | 10.8676% | 3,091 |
| Core capital (leverage) ratio | 10.9270% | 2,314 |
| Tier 1 risk-based capital ratio | 15.4993% | 2,996 |
| Total risk-based capital ratio | 16.7513% | 2,966 |
| Memoranda: | ||
| Average total assets | $510,858,500 | 1,317 |
| Average earning assets | $470,086,750 | 1,318 |
| Average equity | $56,907,250 | 1,171 |
| Average total loans | $312,754,000 | 1,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 4,397 |
| Cost of funding earning assets | 0.8214% | 6,846 |
| Net interest margin | 4.2891% | 1,824 |
| Noninterest income to average assets | 1.0262% | 1,292 |
| Noninterest expense to average assets | 4.2338% | 777 |
| Loan and lease loss provision to assets | 0.7469% | 1,937 |
| Net operating income to assets | -0.0111% | 6,094 |
| Return on assets (ROA) | 0.2678% | 5,454 |
| Pretax return on assets | 0.2678% | 5,605 |
| Return on Equity (ROE) | 2.3840% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.3840% | 4,643 |
| Net charge-offs to loans | 1.0466% | 1,792 |
| Credit loss provision to net charge-offs | 115.3049% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.1360% | 4,653 |
| Efficiency ratio | 85.1931% | 1,800 |
| Assets per employee ($millions) | 3.2486% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,939 |
| Loan loss allowance to noncurrent loans | 38.7583% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 4.5710% | 1,439 |
| Noncurrent loans to loans | 3.8703% | 1,979 |
| Net loans and leases to total assets | 58.1250% | 5,398 |
| Net loans and leases to deposits | 71.4112% | 5,087 |
| Net loans and leases to core deposits | 87.0768% | 3,680 |
| Total domestic deposits to total assets | 81.3949% | 5,249 |
| Equity capital to assets | 11.0094% | 2,851 |
| Core capital (leverage) ratio | 11.0056% | 2,240 |
| Tier 1 risk-based capital ratio | 15.9833% | 2,678 |
| Total risk-based capital ratio | 17.2339% | 2,643 |
| Memoranda: | ||
| Average total assets | $506,350,670 | 1,342 |
| Average earning assets | $465,549,000 | 1,336 |
| Average equity | $56,880,330 | 1,159 |
| Average total loans | $313,387,670 | 1,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 4,239 |
| Cost of funding earning assets | 0.8601% | 6,897 |
| Net interest margin | 4.3004% | 1,692 |
| Noninterest income to average assets | 0.9351% | 1,501 |
| Noninterest expense to average assets | 4.1934% | 816 |
| Loan and lease loss provision to assets | 0.1553% | 4,979 |
| Net operating income to assets | 0.5412% | 4,173 |
| Return on assets (ROA) | 0.5412% | 4,311 |
| Pretax return on assets | 0.5412% | 4,814 |
| Return on Equity (ROE) | 4.7682% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.7682% | 3,286 |
| Net charge-offs to loans | 0.0493% | 4,911 |
| Credit loss provision to net charge-offs | 497.4359% | 860 |
| Earnings coverage of net charge-offs (x) | 22.3077% | 1,094 |
| Efficiency ratio | 85.7564% | 1,815 |
| Assets per employee ($millions) | 3.0851% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,237 |
| Loan loss allowance to noncurrent loans | 35.6521% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 4.9470% | 1,312 |
| Noncurrent loans to loans | 4.0256% | 1,944 |
| Net loans and leases to total assets | 61.9048% | 4,777 |
| Net loans and leases to deposits | 76.5794% | 4,305 |
| Net loans and leases to core deposits | 97.3966% | 2,407 |
| Total domestic deposits to total assets | 80.8373% | 5,511 |
| Equity capital to assets | 11.4677% | 2,387 |
| Core capital (leverage) ratio | 11.2845% | 2,042 |
| Tier 1 risk-based capital ratio | 15.4283% | 2,903 |
| Total risk-based capital ratio | 16.6637% | 2,859 |
| Memoranda: | ||
| Average total assets | $499,638,000 | 1,390 |
| Average earning assets | $459,494,500 | 1,381 |
| Average equity | $56,708,500 | 1,170 |
| Average total loans | $316,721,000 | 1,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6164% | 3,518 |
| Cost of funding earning assets | 1.0275% | 7,154 |
| Net interest margin | 4.5890% | 1,001 |
| Noninterest income to average assets | 1.2843% | 915 |
| Noninterest expense to average assets | 4.1967% | 1,103 |
| Loan and lease loss provision to assets | 0.7176% | 2,960 |
| Net operating income to assets | 0.6087% | 3,298 |
| Return on assets (ROA) | 0.7557% | 2,789 |
| Pretax return on assets | 0.7557% | 3,391 |
| Return on Equity (ROE) | 7.0033% | 2,785 |
| Retained earnings to average equity (ytd only) | 4.8141% | 1,914 |
| Net charge-offs to loans | 1.1057% | 2,209 |
| Credit loss provision to net charge-offs | 93.4658% | 5,873 |
| Earnings coverage of net charge-offs (x) | 1.7275% | 4,437 |
| Efficiency ratio | 75.9850% | 3,531 |
| Assets per employee ($millions) | 3.1025% | 5,986 |
| Cash dividends to net income (ytd only)* | 31.2586% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 4,427 |
| Loan loss allowance to noncurrent loans | 37.8096% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 4.8104% | 1,305 |
| Noncurrent loans to loans | 3.6004% | 2,100 |
| Net loans and leases to total assets | 63.1035% | 4,785 |
| Net loans and leases to deposits | 80.9027% | 3,822 |
| Net loans and leases to core deposits | 104.3045% | 3,536 |
| Total domestic deposits to total assets | 77.9993% | 6,217 |
| Equity capital to assets | 11.2321% | 2,511 |
| Core capital (leverage) ratio | 11.3164% | 2,026 |
| Tier 1 risk-based capital ratio | 14.9836% | 2,946 |
| Total risk-based capital ratio | 16.1563% | 2,940 |
| Memoranda: | ||
| Average total assets | $478,377,000 | 1,448 |
| Average earning assets | $441,865,600 | 1,425 |
| Average equity | $51,618,800 | 1,295 |
| Average total loans | $332,184,200 | 1,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,430 |
| Cost of funding earning assets | 1.0620% | 7,261 |
| Net interest margin | 4.6184% | 961 |
| Noninterest income to average assets | 1.2733% | 949 |
| Noninterest expense to average assets | 4.1518% | 1,080 |
| Loan and lease loss provision to assets | 0.8407% | 2,273 |
| Net operating income to assets | 0.5507% | 3,791 |
| Return on assets (ROA) | 0.6823% | 3,328 |
| Pretax return on assets | 0.6823% | 3,920 |
| Return on Equity (ROE) | 6.3922% | 3,354 |
| Retained earnings to average equity (ytd only) | 3.4087% | 3,394 |
| Net charge-offs to loans | 0.4664% | 3,355 |
| Credit loss provision to net charge-offs | 254.3052% | 1,683 |
| Earnings coverage of net charge-offs (x) | 4.2089% | 3,219 |
| Efficiency ratio | 74.8996% | 3,709 |
| Assets per employee ($millions) | 2.9930% | 6,174 |
| Cash dividends to net income (ytd only)* | 46.6749% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 1,932 |
| Loan loss allowance to noncurrent loans | 33.3646% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 6.0228% | 894 |
| Noncurrent loans to loans | 5.8124% | 1,042 |
| Net loans and leases to total assets | 66.7426% | 4,250 |
| Net loans and leases to deposits | 86.1820% | 3,279 |
| Net loans and leases to core deposits | 108.7803% | 3,375 |
| Total domestic deposits to total assets | 77.4438% | 6,230 |
| Equity capital to assets | 11.4682% | 2,621 |
| Core capital (leverage) ratio | 11.1044% | 2,330 |
| Tier 1 risk-based capital ratio | 14.4576% | 3,302 |
| Total risk-based capital ratio | 15.7132% | 3,244 |
| Memoranda: | ||
| Average total assets | $473,097,000 | 1,485 |
| Average earning assets | $437,396,500 | 1,455 |
| Average equity | $50,497,500 | 1,349 |
| Average total loans | $335,342,750 | 1,457 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6784% | 3,674 |
| Cost of funding earning assets | 1.0778% | 7,418 |
| Net interest margin | 4.6006% | 950 |
| Noninterest income to average assets | 1.3944% | 785 |
| Noninterest expense to average assets | 4.1567% | 1,120 |
| Loan and lease loss provision to assets | 0.5073% | 3,000 |
| Net operating income to assets | 0.9881% | 2,152 |
| Return on assets (ROA) | 1.0273% | 2,095 |
| Pretax return on assets | 1.0273% | 2,895 |
| Return on Equity (ROE) | 9.8781% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.2465% | 2,371 |
| Net charge-offs to loans | 0.4331% | 3,076 |
| Credit loss provision to net charge-offs | 163.0137% | 2,819 |
| Earnings coverage of net charge-offs (x) | 4.8055% | 2,995 |
| Efficiency ratio | 73.5425% | 4,105 |
| Assets per employee ($millions) | 2.8887% | 6,421 |
| Cash dividends to net income (ytd only)* | 46.8880% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 3,347 |
| Loan loss allowance to noncurrent loans | 43.0593% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 3.5103% | 1,770 |
| Noncurrent loans to loans | 3.4172% | 2,062 |
| Net loans and leases to total assets | 70.0967% | 3,683 |
| Net loans and leases to deposits | 91.6839% | 2,529 |
| Net loans and leases to core deposits | 116.2736% | 2,687 |
| Total domestic deposits to total assets | 76.4548% | 6,450 |
| Equity capital to assets | 11.3608% | 2,627 |
| Core capital (leverage) ratio | 11.6443% | 2,007 |
| Tier 1 risk-based capital ratio | 14.5051% | 3,239 |
| Total risk-based capital ratio | 15.7561% | 3,185 |
| Memoranda: | ||
| Average total assets | $469,171,670 | 1,513 |
| Average earning assets | $434,208,670 | 1,486 |
| Average equity | $48,794,670 | 1,412 |
| Average total loans | $337,118,000 | 1,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 4,274 |
| Cost of funding earning assets | 1.1282% | 7,466 |
| Net interest margin | 4.4851% | 1,162 |
| Noninterest income to average assets | 1.3248% | 815 |
| Noninterest expense to average assets | 4.1647% | 984 |
| Loan and lease loss provision to assets | 0.2975% | 3,570 |
| Net operating income to assets | 1.0464% | 2,141 |
| Return on assets (ROA) | 1.1259% | 2,000 |
| Pretax return on assets | 1.1259% | 2,886 |
| Return on Equity (ROE) | 11.3739% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.7178% | 2,320 |
| Net charge-offs to loans | 0.5077% | 2,195 |
| Credit loss provision to net charge-offs | 81.1321% | 4,172 |
| Earnings coverage of net charge-offs (x) | 3.6651% | 3,106 |
| Efficiency ratio | 75.6044% | 3,549 |
| Assets per employee ($millions) | 2.6674% | 6,948 |
| Cash dividends to net income (ytd only)* | 40.9370% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 3,697 |
| Loan loss allowance to noncurrent loans | 39.2584% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.1836% | 1,749 |
| Noncurrent loans to loans | 3.4837% | 1,826 |
| Net loans and leases to total assets | 71.3096% | 3,405 |
| Net loans and leases to deposits | 92.1481% | 2,568 |
| Net loans and leases to core deposits | 116.5633% | 2,734 |
| Total domestic deposits to total assets | 77.3859% | 6,185 |
| Equity capital to assets | 10.1276% | 3,854 |
| Core capital (leverage) ratio | 9.7464% | 3,687 |
| Tier 1 risk-based capital ratio | 12.6032% | 4,471 |
| Total risk-based capital ratio | 13.8441% | 4,401 |
| Memoranda: | ||
| Average total assets | $462,551,500 | 1,545 |
| Average earning assets | $431,475,500 | 1,508 |
| Average equity | $45,789,000 | 1,507 |
| Average total loans | $334,074,500 | 1,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2024% | 4,503 |
| Cost of funding earning assets | 1.7074% | 7,243 |
| Net interest margin | 4.4950% | 1,438 |
| Noninterest income to average assets | 1.2904% | 881 |
| Noninterest expense to average assets | 4.1247% | 1,237 |
| Loan and lease loss provision to assets | 0.2514% | 4,407 |
| Net operating income to assets | 1.1495% | 1,942 |
| Return on assets (ROA) | 1.2796% | 1,494 |
| Pretax return on assets | 1.2796% | 2,379 |
| Return on Equity (ROE) | 13.6996% | 1,163 |
| Retained earnings to average equity (ytd only) | 5.5744% | 1,728 |
| Net charge-offs to loans | 0.2721% | 3,593 |
| Credit loss provision to net charge-offs | 148.0100% | 3,563 |
| Earnings coverage of net charge-offs (x) | 8.2488% | 2,915 |
| Efficiency ratio | 74.6473% | 3,471 |
| Assets per employee ($millions) | 2.7916% | 6,574 |
| Cash dividends to net income (ytd only)* | 59.3100% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 3,441 |
| Loan loss allowance to noncurrent loans | 46.9998% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 2.5080% | 1,931 |
| Noncurrent loans to loans | 2.8861% | 1,868 |
| Net loans and leases to total assets | 71.1735% | 3,755 |
| Net loans and leases to deposits | 100.5685% | 1,777 |
| Net loans and leases to core deposits | 118.0035% | 2,880 |
| Total domestic deposits to total assets | 70.7711% | 7,193 |
| Equity capital to assets | 9.6771% | 4,455 |
| Core capital (leverage) ratio | 9.5591% | 3,931 |
| Tier 1 risk-based capital ratio | 11.9841% | 4,838 |
| Total risk-based capital ratio | 13.2039% | 4,741 |
| Memoranda: | ||
| Average total assets | $473,415,800 | 1,457 |
| Average earning assets | $446,050,200 | 1,401 |
| Average equity | $44,220,400 | 1,524 |
| Average total loans | $295,505,000 | 1,633 |