Home > CNB St Louis Bank > Performance and Condition Ratios
CNB St Louis 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 | 5.0736% | 1,911 |
| Cost of funding earning assets | 2.1522% | 697 |
| Net interest margin | 2.9214% | 3,440 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9794% | 3,679 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9477% | 2,376 |
| Return on assets (ROA) | 0.9477% | 2,366 |
| Pretax return on assets | 0.9477% | 2,820 |
| Return on Equity (ROE) | 16.3900% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.3957% | 1,758 |
| Net charge-offs to loans | -0.0009% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0561% | 2,471 |
| Assets per employee ($millions) | 9.0116% | 979 |
| Cash dividends to net income (ytd only)* | 54.8846% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 580 |
| Loan loss allowance to noncurrent loans | 259.2855% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 1,089 |
| Noncurrent loans to loans | 0.6780% | 1,156 |
| Net loans and leases to total assets | 74.6700% | 1,276 |
| Net loans and leases to deposits | 88.7435% | 1,370 |
| Net loans and leases to core deposits | 109.9076% | 966 |
| Total domestic deposits to total assets | 84.1400% | 2,584 |
| Equity capital to assets | 6.0346% | 4,228 |
| Core capital (leverage) ratio | 8.6416% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0997% | 2,555 |
| Memoranda: | ||
| Average total assets | $749,629,200 | 1,240 |
| Average earning assets | $723,690,600 | 1,195 |
| Average equity | $43,336,200 | 1,778 |
| Average total loans | $576,650,400 | 1,109 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 1,818 |
| Cost of funding earning assets | 2.0899% | 606 |
| Net interest margin | 2.9154% | 3,511 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.9822% | 3,639 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9584% | 2,488 |
| Return on assets (ROA) | 0.9584% | 2,477 |
| Pretax return on assets | 0.9584% | 2,957 |
| Return on Equity (ROE) | 16.7700% | 1,117 |
| Retained earnings to average equity (ytd only) | 8.6072% | 1,791 |
| Net charge-offs to loans | -0.0012% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.3538% | 2,350 |
| Assets per employee ($millions) | 8.5460% | 1,105 |
| Cash dividends to net income (ytd only)* | 48.6658% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 605 |
| Loan loss allowance to noncurrent loans | 243.7240% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 1,064 |
| Noncurrent loans to loans | 0.7242% | 1,147 |
| Net loans and leases to total assets | 74.5600% | 1,289 |
| Net loans and leases to deposits | 87.1238% | 1,463 |
| Net loans and leases to core deposits | 106.0213% | 1,014 |
| Total domestic deposits to total assets | 85.5800% | 2,324 |
| Equity capital to assets | 5.5673% | 4,120 |
| Core capital (leverage) ratio | 8.5975% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3283% | 2,503 |
| Memoranda: | ||
| Average total assets | $745,540,500 | 1,245 |
| Average earning assets | $719,895,250 | 1,200 |
| Average equity | $42,614,250 | 1,787 |
| Average total loans | $575,271,000 | 1,115 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 1,732 |
| Cost of funding earning assets | 1.9937% | 501 |
| Net interest margin | 2.9203% | 3,608 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.9919% | 3,619 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9330% | 2,637 |
| Return on assets (ROA) | 0.9330% | 2,625 |
| Pretax return on assets | 0.9330% | 3,089 |
| Return on Equity (ROE) | 16.1800% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.5404% | 2,117 |
| Net charge-offs to loans | -0.0014% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8924% | 2,253 |
| Assets per employee ($millions) | 8.8495% | 957 |
| Cash dividends to net income (ytd only)* | 53.4042% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 719 |
| Loan loss allowance to noncurrent loans | 225.0281% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 935 |
| Noncurrent loans to loans | 0.7640% | 992 |
| Net loans and leases to total assets | 74.3700% | 1,237 |
| Net loans and leases to deposits | 91.4612% | 1,066 |
| Net loans and leases to core deposits | 111.0630% | 779 |
| Total domestic deposits to total assets | 81.3100% | 3,376 |
| Equity capital to assets | 5.6553% | 4,250 |
| Core capital (leverage) ratio | 8.3640% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3073% | 2,797 |
| Memoranda: | ||
| Average total assets | $746,219,333 | 1,241 |
| Average earning assets | $720,552,000 | 1,198 |
| Average equity | $43,021,333 | 1,784 |
| Average total loans | $578,915,667 | 1,100 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 1,403 |
| Cost of funding earning assets | 1.7975% | 453 |
| Net interest margin | 3.1071% | 3,335 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9559% | 3,721 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1515% | 2,059 |
| Return on assets (ROA) | 1.1515% | 2,028 |
| Pretax return on assets | 1.1515% | 2,558 |
| Return on Equity (ROE) | 19.7700% | 795 |
| Retained earnings to average equity (ytd only) | 2.7127% | 3,565 |
| Net charge-offs to loans | -0.0021% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3322% | 2,772 |
| Assets per employee ($millions) | 8.6309% | 1,085 |
| Cash dividends to net income (ytd only)* | 86.2819% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 784 |
| Loan loss allowance to noncurrent loans | 266.7979% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 1,021 |
| Noncurrent loans to loans | 0.6425% | 1,171 |
| Net loans and leases to total assets | 77.6200% | 809 |
| Net loans and leases to deposits | 97.6119% | 556 |
| Net loans and leases to core deposits | 113.3417% | 604 |
| Total domestic deposits to total assets | 79.5200% | 3,829 |
| Equity capital to assets | 5.7867% | 4,265 |
| Core capital (leverage) ratio | 8.3845% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0989% | 2,932 |
| Memoranda: | ||
| Average total assets | $734,377,000 | 1,271 |
| Average earning assets | $709,212,500 | 1,228 |
| Average equity | $42,762,000 | 1,812 |
| Average total loans | $577,085,000 | 1,117 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 1,836 |
| Cost of funding earning assets | 0.5351% | 1,190 |
| Net interest margin | 3.4213% | 2,182 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0126% | 3,549 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.5161% | 848 |
| Return on assets (ROA) | 1.5161% | 821 |
| Pretax return on assets | 1.5161% | 1,406 |
| Return on Equity (ROE) | 20.9500% | 397 |
| Retained earnings to average equity (ytd only) | 1.4512% | 4,111 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.1015% | 3,574 |
| Assets per employee ($millions) | 8.1576% | 1,248 |
| Cash dividends to net income (ytd only)* | 93.0741% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 568 |
| Loan loss allowance to noncurrent loans | 259.7081% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 894 |
| Noncurrent loans to loans | 0.7205% | 1,044 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 94.2828% | 763 |
| Net loans and leases to core deposits | 105.8273% | 754 |
| Total domestic deposits to total assets | 81.3600% | 3,712 |
| Equity capital to assets | 5.8607% | 4,144 |
| Core capital (leverage) ratio | 8.7819% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $681,858,800 | 1,329 |
| Average earning assets | $658,554,600 | 1,294 |
| Average equity | $49,339,600 | 1,637 |
| Average total loans | $498,157,800 | 1,183 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 1,997 |
| Cost of funding earning assets | 0.3309% | 1,848 |
| Net interest margin | 3.3840% | 2,027 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0406% | 3,376 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4751% | 900 |
| Return on assets (ROA) | 1.4751% | 887 |
| Pretax return on assets | 1.4751% | 1,484 |
| Return on Equity (ROE) | 19.4000% | 489 |
| Retained earnings to average equity (ytd only) | -5.1553% | 4,607 |
| Net charge-offs to loans | -0.0061% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0053% | 3,516 |
| Assets per employee ($millions) | 7.7393% | 1,456 |
| Cash dividends to net income (ytd only)* | 126.5717% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 552 |
| Loan loss allowance to noncurrent loans | 262.7673% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 933 |
| Noncurrent loans to loans | 0.7408% | 1,095 |
| Net loans and leases to total assets | 75.5400% | 955 |
| Net loans and leases to deposits | 92.2243% | 756 |
| Net loans and leases to core deposits | 102.8655% | 704 |
| Total domestic deposits to total assets | 81.9100% | 3,852 |
| Equity capital to assets | 5.7682% | 4,053 |
| Core capital (leverage) ratio | 8.7778% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $672,857,000 | 1,351 |
| Average earning assets | $649,831,500 | 1,313 |
| Average equity | $51,156,500 | 1,617 |
| Average total loans | $482,404,750 | 1,206 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 1,992 |
| Cost of funding earning assets | 0.2125% | 2,743 |
| Net interest margin | 3.3384% | 1,794 |
| Noninterest income to average assets | 0.3447% | 3,085 |
| Noninterest expense to average assets | 2.0582% | 3,266 |
| Loan and lease loss provision to assets | 0.0409% | 1,844 |
| Net operating income to assets | 1.4678% | 764 |
| Return on assets (ROA) | 1.4678% | 744 |
| Pretax return on assets | 1.4678% | 1,258 |
| Return on Equity (ROE) | 17.8050% | 497 |
| Retained earnings to average equity (ytd only) | 7.4212% | 1,842 |
| Net charge-offs to loans | -0.0009% | 3,026 |
| Credit loss provision to net charge-offs | -6,800.0000% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7030% | 3,601 |
| Assets per employee ($millions) | 7.3882% | 1,678 |
| Cash dividends to net income (ytd only)* | 58.3197% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 467 |
| Loan loss allowance to noncurrent loans | 3,617.6678% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,554 |
| Noncurrent loans to loans | 0.0575% | 3,523 |
| Net loans and leases to total assets | 73.2899% | 974 |
| Net loans and leases to deposits | 87.9870% | 832 |
| Net loans and leases to core deposits | 91.1078% | 1,060 |
| Total domestic deposits to total assets | 83.2963% | 3,819 |
| Equity capital to assets | 6.9947% | 3,775 |
| Core capital (leverage) ratio | 9.6604% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $664,962,667 | 1,368 |
| Average earning assets | $641,805,000 | 1,337 |
| Average equity | $54,816,000 | 1,555 |
| Average total loans | $464,337,667 | 1,233 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 2,124 |
| Cost of funding earning assets | 0.1971% | 2,841 |
| Net interest margin | 3.1895% | 1,913 |
| Noninterest income to average assets | 0.3697% | 2,874 |
| Noninterest expense to average assets | 2.0321% | 3,347 |
| Loan and lease loss provision to assets | 0.0718% | 1,148 |
| Net operating income to assets | 1.3436% | 916 |
| Return on assets (ROA) | 1.3436% | 902 |
| Pretax return on assets | 1.3436% | 1,397 |
| Return on Equity (ROE) | 15.1688% | 623 |
| Retained earnings to average equity (ytd only) | 6.4633% | 2,087 |
| Net charge-offs to loans | -0.0009% | 3,010 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9450% | 3,591 |
| Assets per employee ($millions) | 7.8875% | 1,444 |
| Cash dividends to net income (ytd only)* | 57.3909% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 384 |
| Loan loss allowance to noncurrent loans | 2,725.6000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,491 |
| Noncurrent loans to loans | 0.0836% | 3,420 |
| Net loans and leases to total assets | 64.6302% | 1,543 |
| Net loans and leases to deposits | 74.0214% | 1,609 |
| Net loans and leases to core deposits | 76.3007% | 1,765 |
| Total domestic deposits to total assets | 87.3128% | 2,810 |
| Equity capital to assets | 8.1719% | 3,429 |
| Core capital (leverage) ratio | 9.6340% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $668,667,500 | 1,369 |
| Average earning assets | $645,234,000 | 1,338 |
| Average equity | $59,227,000 | 1,504 |
| Average total loans | $450,427,500 | 1,255 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 1,538 |
| Cost of funding earning assets | 0.2396% | 3,048 |
| Net interest margin | 3.6923% | 1,232 |
| Noninterest income to average assets | 0.5975% | 2,167 |
| Noninterest expense to average assets | 2.0997% | 3,391 |
| Loan and lease loss provision to assets | 0.2197% | 464 |
| Net operating income to assets | 1.8293% | 474 |
| Return on assets (ROA) | 1.8315% | 495 |
| Pretax return on assets | 1.8315% | 850 |
| Return on Equity (ROE) | 18.5974% | 409 |
| Retained earnings to average equity (ytd only) | 6.9567% | 1,930 |
| Net charge-offs to loans | -0.0597% | 4,403 |
| Credit loss provision to net charge-offs | -505.4152% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6110% | 4,238 |
| Assets per employee ($millions) | 7.4888% | 1,626 |
| Cash dividends to net income (ytd only)* | 62.5932% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2331% | 424 |
| Loan loss allowance to noncurrent loans | 2,463.1707% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,544 |
| Noncurrent loans to loans | 0.0907% | 3,474 |
| Net loans and leases to total assets | 67.0904% | 1,364 |
| Net loans and leases to deposits | 77.6972% | 1,422 |
| Net loans and leases to core deposits | 80.2732% | 1,570 |
| Total domestic deposits to total assets | 86.3485% | 2,780 |
| Equity capital to assets | 9.5631% | 3,086 |
| Core capital (leverage) ratio | 9.5880% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $637,128,000 | 1,386 |
| Average earning assets | $612,781,800 | 1,353 |
| Average equity | $62,745,200 | 1,462 |
| Average total loans | $463,631,400 | 1,232 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 1,555 |
| Cost of funding earning assets | 0.2521% | 3,102 |
| Net interest margin | 3.7382% | 1,254 |
| Noninterest income to average assets | 0.6252% | 2,117 |
| Noninterest expense to average assets | 2.1387% | 3,252 |
| Loan and lease loss provision to assets | 0.2186% | 450 |
| Net operating income to assets | 1.8583% | 600 |
| Return on assets (ROA) | 1.8632% | 616 |
| Pretax return on assets | 1.8632% | 1,013 |
| Return on Equity (ROE) | 18.7776% | 539 |
| Retained earnings to average equity (ytd only) | 9.4111% | 1,532 |
| Net charge-offs to loans | -0.0583% | 4,417 |
| Credit loss provision to net charge-offs | -507.8431% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7310% | 4,148 |
| Assets per employee ($millions) | 7.2890% | 1,686 |
| Cash dividends to net income (ytd only)* | 49.8810% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 491 |
| Loan loss allowance to noncurrent loans | 2,257.7103% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,658 |
| Noncurrent loans to loans | 0.0955% | 3,602 |
| Net loans and leases to total assets | 68.3873% | 1,272 |
| Net loans and leases to deposits | 79.7513% | 1,314 |
| Net loans and leases to core deposits | 82.5370% | 1,534 |
| Total domestic deposits to total assets | 85.7507% | 2,843 |
| Equity capital to assets | 10.1544% | 2,757 |
| Core capital (leverage) ratio | 9.7428% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $631,656,500 | 1,411 |
| Average earning assets | $606,696,250 | 1,379 |
| Average equity | $62,676,000 | 1,481 |
| Average total loans | $466,480,750 | 1,250 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 2,099 |
| Cost of funding earning assets | 0.2702% | 3,088 |
| Net interest margin | 3.5194% | 1,802 |
| Noninterest income to average assets | 0.6661% | 1,947 |
| Noninterest expense to average assets | 2.0837% | 3,442 |
| Loan and lease loss provision to assets | 0.2193% | 485 |
| Net operating income to assets | 1.7419% | 811 |
| Return on assets (ROA) | 1.7483% | 848 |
| Pretax return on assets | 1.7483% | 1,359 |
| Return on Equity (ROE) | 17.7604% | 681 |
| Retained earnings to average equity (ytd only) | 7.4204% | 2,282 |
| Net charge-offs to loans | -0.0017% | 3,165 |
| Credit loss provision to net charge-offs | -17,225.0000% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5147% | 4,093 |
| Assets per employee ($millions) | 7.4810% | 1,491 |
| Cash dividends to net income (ytd only)* | 58.2196% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 656 |
| Loan loss allowance to noncurrent loans | 399.4303% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 2,189 |
| Noncurrent loans to loans | 0.4906% | 2,209 |
| Net loans and leases to total assets | 70.0702% | 1,189 |
| Net loans and leases to deposits | 80.9329% | 1,334 |
| Net loans and leases to core deposits | 83.6622% | 1,594 |
| Total domestic deposits to total assets | 86.5782% | 2,516 |
| Equity capital to assets | 9.6467% | 3,203 |
| Core capital (leverage) ratio | 9.6341% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8546% | 2,420 |
| Memoranda: | ||
| Average total assets | $628,396,667 | 1,410 |
| Average earning assets | $603,289,667 | 1,372 |
| Average equity | $61,856,667 | 1,490 |
| Average total loans | $472,533,000 | 1,237 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 1,972 |
| Cost of funding earning assets | 0.3043% | 2,946 |
| Net interest margin | 3.5381% | 1,730 |
| Noninterest income to average assets | 0.7181% | 1,814 |
| Noninterest expense to average assets | 2.1258% | 3,344 |
| Loan and lease loss provision to assets | 0.2230% | 515 |
| Net operating income to assets | 1.7681% | 834 |
| Return on assets (ROA) | 1.7700% | 884 |
| Pretax return on assets | 1.7700% | 1,356 |
| Return on Equity (ROE) | 17.7937% | 750 |
| Retained earnings to average equity (ytd only) | 10.0599% | 1,634 |
| Net charge-offs to loans | -0.0151% | 3,861 |
| Credit loss provision to net charge-offs | -1,911.1111% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6373% | 4,034 |
| Assets per employee ($millions) | 7.2034% | 1,645 |
| Cash dividends to net income (ytd only)* | 43.4639% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 845 |
| Loan loss allowance to noncurrent loans | 247.3255% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 1,670 |
| Noncurrent loans to loans | 0.7349% | 1,764 |
| Net loans and leases to total assets | 75.7203% | 651 |
| Net loans and leases to deposits | 87.9637% | 829 |
| Net loans and leases to core deposits | 91.9561% | 1,119 |
| Total domestic deposits to total assets | 86.0814% | 2,702 |
| Equity capital to assets | 9.8038% | 2,892 |
| Core capital (leverage) ratio | 9.7514% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4854% | 2,091 |
| Memoranda: | ||
| Average total assets | $617,173,500 | 1,418 |
| Average earning assets | $592,857,500 | 1,381 |
| Average equity | $61,392,500 | 1,484 |
| Average total loans | $476,218,500 | 1,231 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,334 |
| Cost of funding earning assets | 0.5596% | 2,562 |
| Net interest margin | 3.5709% | 2,244 |
| Noninterest income to average assets | 0.6958% | 1,879 |
| Noninterest expense to average assets | 2.1948% | 3,676 |
| Loan and lease loss provision to assets | 0.3777% | 860 |
| Net operating income to assets | 1.5443% | 720 |
| Return on assets (ROA) | 1.5632% | 753 |
| Pretax return on assets | 1.5632% | 1,155 |
| Return on Equity (ROE) | 14.8623% | 660 |
| Retained earnings to average equity (ytd only) | 6.1744% | 1,722 |
| Net charge-offs to loans | -0.0345% | 4,578 |
| Credit loss provision to net charge-offs | -1,392.1053% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3128% | 4,281 |
| Assets per employee ($millions) | 6.8276% | 1,696 |
| Cash dividends to net income (ytd only)* | 58.4561% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 865 |
| Loan loss allowance to noncurrent loans | 302.9856% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,197 |
| Noncurrent loans to loans | 0.5926% | 2,219 |
| Net loans and leases to total assets | 75.8153% | 808 |
| Net loans and leases to deposits | 88.5986% | 1,032 |
| Net loans and leases to core deposits | 94.4146% | 1,216 |
| Total domestic deposits to total assets | 85.5717% | 2,542 |
| Equity capital to assets | 10.0954% | 3,037 |
| Core capital (leverage) ratio | 9.7562% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0371% | 2,615 |
| Memoranda: | ||
| Average total assets | $560,193,400 | 1,418 |
| Average earning assets | $536,676,000 | 1,379 |
| Average equity | $58,920,800 | 1,471 |
| Average total loans | $441,003,200 | 1,251 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,107 |
| Cost of funding earning assets | 0.6249% | 2,459 |
| Net interest margin | 3.6716% | 2,030 |
| Noninterest income to average assets | 0.6220% | 2,094 |
| Noninterest expense to average assets | 2.2502% | 3,553 |
| Loan and lease loss provision to assets | 0.3480% | 1,090 |
| Net operating income to assets | 1.5385% | 836 |
| Return on assets (ROA) | 1.5640% | 865 |
| Pretax return on assets | 1.5640% | 1,290 |
| Return on Equity (ROE) | 14.7060% | 744 |
| Retained earnings to average equity (ytd only) | 9.1890% | 936 |
| Net charge-offs to loans | -0.0108% | 4,240 |
| Credit loss provision to net charge-offs | -4,088.5714% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3969% | 4,105 |
| Assets per employee ($millions) | 6.7362% | 1,657 |
| Cash dividends to net income (ytd only)* | 37.5155% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 981 |
| Loan loss allowance to noncurrent loans | 209.8293% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 1,875 |
| Noncurrent loans to loans | 0.7861% | 1,855 |
| Net loans and leases to total assets | 77.5377% | 892 |
| Net loans and leases to deposits | 91.3048% | 1,129 |
| Net loans and leases to core deposits | 97.9319% | 1,311 |
| Total domestic deposits to total assets | 84.9218% | 2,477 |
| Equity capital to assets | 10.5204% | 2,770 |
| Core capital (leverage) ratio | 10.1748% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0840% | 2,578 |
| Memoranda: | ||
| Average total assets | $548,328,250 | 1,424 |
| Average earning assets | $524,878,500 | 1,389 |
| Average equity | $58,314,750 | 1,473 |
| Average total loans | $433,974,500 | 1,262 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,031 |
| Cost of funding earning assets | 0.7322% | 2,222 |
| Net interest margin | 3.3769% | 3,166 |
| Noninterest income to average assets | 0.8253% | 1,360 |
| Noninterest expense to average assets | 2.3523% | 3,392 |
| Loan and lease loss provision to assets | 0.2916% | 1,474 |
| Net operating income to assets | 1.4163% | 1,080 |
| Return on assets (ROA) | 1.4547% | 1,097 |
| Pretax return on assets | 1.4547% | 1,572 |
| Return on Equity (ROE) | 13.6395% | 947 |
| Retained earnings to average equity (ytd only) | 8.1991% | 1,245 |
| Net charge-offs to loans | -0.0160% | 4,344 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9353% | 3,697 |
| Assets per employee ($millions) | 6.4377% | 1,835 |
| Cash dividends to net income (ytd only)* | 39.8872% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,232 |
| Loan loss allowance to noncurrent loans | 241.0443% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,329 |
| Noncurrent loans to loans | 0.6267% | 2,294 |
| Net loans and leases to total assets | 78.4410% | 797 |
| Net loans and leases to deposits | 93.2952% | 1,021 |
| Net loans and leases to core deposits | 101.0472% | 1,186 |
| Total domestic deposits to total assets | 84.0782% | 2,726 |
| Equity capital to assets | 10.3218% | 2,913 |
| Core capital (leverage) ratio | 9.8702% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7592% | 2,709 |
| Memoranda: | ||
| Average total assets | $536,321,667 | 1,426 |
| Average earning assets | $513,777,667 | 1,392 |
| Average equity | $57,201,333 | 1,484 |
| Average total loans | $425,184,000 | 1,266 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,558 |
| Cost of funding earning assets | 0.9447% | 1,668 |
| Net interest margin | 3.4723% | 3,075 |
| Noninterest income to average assets | 0.4165% | 2,991 |
| Noninterest expense to average assets | 2.3847% | 3,565 |
| Loan and lease loss provision to assets | 0.1399% | 1,990 |
| Net operating income to assets | 1.2106% | 1,481 |
| Return on assets (ROA) | 1.2106% | 1,595 |
| Pretax return on assets | 1.2106% | 2,158 |
| Return on Equity (ROE) | 11.1485% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.7800% | 2,376 |
| Net charge-offs to loans | -0.0010% | 3,603 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8444% | 3,255 |
| Assets per employee ($millions) | 5.5270% | 2,092 |
| Cash dividends to net income (ytd only)* | 57.1245% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,181 |
| Loan loss allowance to noncurrent loans | 187.2340% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,048 |
| Noncurrent loans to loans | 0.8295% | 1,948 |
| Net loans and leases to total assets | 77.3000% | 1,082 |
| Net loans and leases to deposits | 94.2546% | 1,054 |
| Net loans and leases to core deposits | 101.5755% | 1,357 |
| Total domestic deposits to total assets | 82.0119% | 3,418 |
| Equity capital to assets | 10.7675% | 3,080 |
| Core capital (leverage) ratio | 10.7138% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4232% | 2,518 |
| Memoranda: | ||
| Average total assets | $514,784,500 | 1,432 |
| Average earning assets | $492,006,000 | 1,401 |
| Average equity | $55,900,000 | 1,502 |
| Average total loans | $407,048,500 | 1,279 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 2,916 |
| Cost of funding earning assets | 1.0344% | 1,581 |
| Net interest margin | 3.4725% | 3,531 |
| Noninterest income to average assets | 0.4342% | 3,084 |
| Noninterest expense to average assets | 2.2734% | 4,014 |
| Loan and lease loss provision to assets | 0.7995% | 130 |
| Net operating income to assets | 0.6841% | 3,913 |
| Return on assets (ROA) | 0.6912% | 3,957 |
| Pretax return on assets | 0.6912% | 4,219 |
| Return on Equity (ROE) | 6.4841% | 3,746 |
| Retained earnings to average equity (ytd only) | -0.5638% | 4,771 |
| Net charge-offs to loans | 1.2551% | 122 |
| Credit loss provision to net charge-offs | 81.5023% | 2,777 |
| Earnings coverage of net charge-offs (x) | 1.5124% | 3,526 |
| Efficiency ratio | 60.5118% | 3,621 |
| Assets per employee ($millions) | 5.4842% | 2,075 |
| Cash dividends to net income (ytd only)* | 108.6944% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,178 |
| Loan loss allowance to noncurrent loans | 206.9603% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,146 |
| Noncurrent loans to loans | 0.7322% | 2,050 |
| Net loans and leases to total assets | 78.4272% | 1,008 |
| Net loans and leases to deposits | 94.7832% | 1,077 |
| Net loans and leases to core deposits | 103.1598% | 1,295 |
| Total domestic deposits to total assets | 82.7438% | 3,292 |
| Equity capital to assets | 10.9521% | 3,053 |
| Core capital (leverage) ratio | 10.6941% | 2,766 |
| Tier 1 risk-based capital ratio | 12.4666% | 4,086 |
| Total risk-based capital ratio | 13.7188% | 3,967 |
| Memoranda: | ||
| Average total assets | $507,559,200 | 1,408 |
| Average earning assets | $485,675,800 | 1,367 |
| Average equity | $54,101,600 | 1,491 |
| Average total loans | $396,716,000 | 1,273 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 3,040 |
| Cost of funding earning assets | 1.0420% | 1,576 |
| Net interest margin | 3.4645% | 3,682 |
| Noninterest income to average assets | 0.4398% | 3,082 |
| Noninterest expense to average assets | 2.3174% | 3,910 |
| Loan and lease loss provision to assets | 1.0126% | 91 |
| Net operating income to assets | 0.4240% | 4,677 |
| Return on assets (ROA) | 0.4334% | 4,684 |
| Pretax return on assets | 0.4334% | 4,768 |
| Return on Equity (ROE) | 4.0946% | 4,572 |
| Retained earnings to average equity (ytd only) | -4.2487% | 5,032 |
| Net charge-offs to loans | 1.6519% | 76 |
| Credit loss provision to net charge-offs | 78.7966% | 2,520 |
| Earnings coverage of net charge-offs (x) | 1.1179% | 3,325 |
| Efficiency ratio | 61.7319% | 3,366 |
| Assets per employee ($millions) | 5.6145% | 1,920 |
| Cash dividends to net income (ytd only)* | 203.7619% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,178 |
| Loan loss allowance to noncurrent loans | 206.2500% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 2,269 |
| Noncurrent loans to loans | 0.7398% | 2,114 |
| Net loans and leases to total assets | 77.1269% | 1,292 |
| Net loans and leases to deposits | 94.4843% | 1,179 |
| Net loans and leases to core deposits | 100.7992% | 1,598 |
| Total domestic deposits to total assets | 81.6293% | 3,579 |
| Equity capital to assets | 10.7182% | 3,364 |
| Core capital (leverage) ratio | 10.5312% | 3,084 |
| Tier 1 risk-based capital ratio | 12.4931% | 4,148 |
| Total risk-based capital ratio | 13.7454% | 4,022 |
| Memoranda: | ||
| Average total assets | $506,941,000 | 1,415 |
| Average earning assets | $484,939,000 | 1,370 |
| Average equity | $53,662,250 | 1,500 |
| Average total loans | $394,355,250 | 1,292 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 3,134 |
| Cost of funding earning assets | 1.0529% | 1,486 |
| Net interest margin | 3.4101% | 3,863 |
| Noninterest income to average assets | 0.3886% | 3,349 |
| Noninterest expense to average assets | 2.2994% | 4,004 |
| Loan and lease loss provision to assets | 0.1762% | 1,020 |
| Net operating income to assets | 1.1780% | 2,232 |
| Return on assets (ROA) | 1.1780% | 2,305 |
| Pretax return on assets | 1.1780% | 2,985 |
| Return on Equity (ROE) | 10.9914% | 1,977 |
| Retained earnings to average equity (ytd only) | 2.4038% | 3,982 |
| Net charge-offs to loans | 0.0217% | 2,411 |
| Credit loss provision to net charge-offs | 1,041.8605% | 331 |
| Earnings coverage of net charge-offs (x) | 80.0698% | 812 |
| Efficiency ratio | 62.9347% | 3,296 |
| Assets per employee ($millions) | 5.4284% | 2,021 |
| Cash dividends to net income (ytd only)* | 78.1302% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 594 |
| Loan loss allowance to noncurrent loans | 95.8488% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 728 |
| Noncurrent loans to loans | 1.9541% | 742 |
| Net loans and leases to total assets | 76.8096% | 1,417 |
| Net loans and leases to deposits | 94.6355% | 1,189 |
| Net loans and leases to core deposits | 103.8035% | 1,400 |
| Total domestic deposits to total assets | 81.1636% | 3,760 |
| Equity capital to assets | 11.0144% | 3,034 |
| Core capital (leverage) ratio | 11.0375% | 2,560 |
| Tier 1 risk-based capital ratio | 13.3278% | 3,680 |
| Total risk-based capital ratio | 14.5845% | 3,568 |
| Memoranda: | ||
| Average total assets | $508,485,670 | 1,409 |
| Average earning assets | $486,844,670 | 1,364 |
| Average equity | $54,497,000 | 1,472 |
| Average total loans | $395,499,670 | 1,290 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 3,164 |
| Cost of funding earning assets | 1.0505% | 1,375 |
| Net interest margin | 3.3668% | 3,987 |
| Noninterest income to average assets | 0.3223% | 3,708 |
| Noninterest expense to average assets | 2.2837% | 4,066 |
| Loan and lease loss provision to assets | 0.1718% | 973 |
| Net operating income to assets | 1.0969% | 2,484 |
| Return on assets (ROA) | 1.0969% | 2,529 |
| Pretax return on assets | 1.0969% | 3,162 |
| Return on Equity (ROE) | 10.3795% | 2,201 |
| Retained earnings to average equity (ytd only) | 2.0431% | 4,052 |
| Net charge-offs to loans | 0.0447% | 1,632 |
| Credit loss provision to net charge-offs | 495.4545% | 622 |
| Earnings coverage of net charge-offs (x) | 36.5909% | 1,208 |
| Efficiency ratio | 64.2857% | 3,193 |
| Assets per employee ($millions) | 5.5475% | 1,941 |
| Cash dividends to net income (ytd only)* | 80.3161% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 668 |
| Loan loss allowance to noncurrent loans | 90.3427% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5724% | 740 |
| Noncurrent loans to loans | 2.0245% | 728 |
| Net loans and leases to total assets | 76.2461% | 1,437 |
| Net loans and leases to deposits | 91.9492% | 1,410 |
| Net loans and leases to core deposits | 104.2704% | 1,299 |
| Total domestic deposits to total assets | 82.9220% | 3,408 |
| Equity capital to assets | 10.6260% | 3,231 |
| Core capital (leverage) ratio | 10.8327% | 2,736 |
| Tier 1 risk-based capital ratio | 13.4096% | 3,661 |
| Total risk-based capital ratio | 14.6662% | 3,557 |
| Memoranda: | ||
| Average total assets | $507,595,000 | 1,415 |
| Average earning assets | $486,992,000 | 1,373 |
| Average equity | $53,644,000 | 1,478 |
| Average total loans | $393,542,000 | 1,298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 3,064 |
| Cost of funding earning assets | 0.7126% | 2,007 |
| Net interest margin | 3.6003% | 3,381 |
| Noninterest income to average assets | 0.3438% | 3,816 |
| Noninterest expense to average assets | 2.3818% | 3,933 |
| Loan and lease loss provision to assets | 0.1491% | 1,422 |
| Net operating income to assets | 1.2557% | 1,958 |
| Return on assets (ROA) | 1.2576% | 1,946 |
| Pretax return on assets | 1.2576% | 2,668 |
| Return on Equity (ROE) | 11.7156% | 1,813 |
| Retained earnings to average equity (ytd only) | 3.6743% | 3,561 |
| Net charge-offs to loans | 0.0297% | 2,809 |
| Credit loss provision to net charge-offs | 662.9630% | 527 |
| Earnings coverage of net charge-offs (x) | 62.4630% | 1,000 |
| Efficiency ratio | 62.8994% | 3,365 |
| Assets per employee ($millions) | 5.3704% | 2,088 |
| Cash dividends to net income (ytd only)* | 68.6372% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 669 |
| Loan loss allowance to noncurrent loans | 87.8570% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 709 |
| Noncurrent loans to loans | 2.0614% | 648 |
| Net loans and leases to total assets | 75.9916% | 1,616 |
| Net loans and leases to deposits | 91.6591% | 1,593 |
| Net loans and leases to core deposits | 104.4899% | 1,375 |
| Total domestic deposits to total assets | 82.9067% | 3,359 |
| Equity capital to assets | 10.5099% | 3,180 |
| Core capital (leverage) ratio | 10.9315% | 2,595 |
| Tier 1 risk-based capital ratio | 13.3506% | 3,629 |
| Total risk-based capital ratio | 14.6065% | 3,519 |
| Memoranda: | ||
| Average total assets | $480,192,600 | 1,456 |
| Average earning assets | $459,179,600 | 1,416 |
| Average equity | $51,546,600 | 1,472 |
| Average total loans | $364,166,800 | 1,351 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,694 |
| Cost of funding earning assets | 0.6298% | 2,275 |
| Net interest margin | 3.4515% | 3,859 |
| Noninterest income to average assets | 0.3656% | 3,679 |
| Noninterest expense to average assets | 2.3986% | 3,857 |
| Loan and lease loss provision to assets | 0.1502% | 1,310 |
| Net operating income to assets | 1.1152% | 2,601 |
| Return on assets (ROA) | 1.1177% | 2,605 |
| Pretax return on assets | 1.1177% | 3,324 |
| Return on Equity (ROE) | 10.3549% | 2,455 |
| Retained earnings to average equity (ytd only) | 3.0330% | 4,223 |
| Net charge-offs to loans | 0.0403% | 2,281 |
| Credit loss provision to net charge-offs | 494.4444% | 716 |
| Earnings coverage of net charge-offs (x) | 41.6564% | 1,323 |
| Efficiency ratio | 65.4640% | 2,964 |
| Assets per employee ($millions) | 5.1268% | 2,303 |
| Cash dividends to net income (ytd only)* | 70.7096% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 629 |
| Loan loss allowance to noncurrent loans | 79.8101% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8055% | 643 |
| Noncurrent loans to loans | 2.3503% | 574 |
| Net loans and leases to total assets | 74.8318% | 1,848 |
| Net loans and leases to deposits | 96.7983% | 1,061 |
| Net loans and leases to core deposits | 105.1329% | 1,366 |
| Total domestic deposits to total assets | 77.3069% | 4,592 |
| Equity capital to assets | 10.5132% | 3,128 |
| Core capital (leverage) ratio | 11.3729% | 2,271 |
| Tier 1 risk-based capital ratio | 14.0341% | 3,358 |
| Total risk-based capital ratio | 15.2911% | 3,259 |
| Memoranda: | ||
| Average total assets | $474,036,000 | 1,481 |
| Average earning assets | $453,007,250 | 1,441 |
| Average equity | $51,169,250 | 1,479 |
| Average total loans | $357,534,500 | 1,375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,748 |
| Cost of funding earning assets | 0.5663% | 2,462 |
| Net interest margin | 3.4475% | 3,806 |
| Noninterest income to average assets | 0.3691% | 3,692 |
| Noninterest expense to average assets | 2.4539% | 3,765 |
| Loan and lease loss provision to assets | 0.1616% | 1,154 |
| Net operating income to assets | 1.0467% | 2,826 |
| Return on assets (ROA) | 1.0505% | 2,797 |
| Pretax return on assets | 1.0505% | 3,514 |
| Return on Equity (ROE) | 9.6460% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.9075% | 3,652 |
| Net charge-offs to loans | 0.0220% | 2,438 |
| Credit loss provision to net charge-offs | 976.9231% | 416 |
| Earnings coverage of net charge-offs (x) | 73.0256% | 881 |
| Efficiency ratio | 67.0065% | 2,820 |
| Assets per employee ($millions) | 4.8844% | 2,583 |
| Cash dividends to net income (ytd only)* | 59.4911% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 634 |
| Loan loss allowance to noncurrent loans | 88.9382% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 743 |
| Noncurrent loans to loans | 2.1348% | 665 |
| Net loans and leases to total assets | 74.2648% | 1,905 |
| Net loans and leases to deposits | 92.9501% | 1,481 |
| Net loans and leases to core deposits | 101.3623% | 1,617 |
| Total domestic deposits to total assets | 79.8975% | 4,254 |
| Equity capital to assets | 10.7809% | 2,852 |
| Core capital (leverage) ratio | 11.6735% | 1,923 |
| Tier 1 risk-based capital ratio | 14.3342% | 3,188 |
| Total risk-based capital ratio | 15.5914% | 3,106 |
| Memoranda: | ||
| Average total assets | $471,408,670 | 1,498 |
| Average earning assets | $450,303,000 | 1,455 |
| Average equity | $51,337,330 | 1,477 |
| Average total loans | $354,205,330 | 1,380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,708 |
| Cost of funding earning assets | 0.5495% | 2,407 |
| Net interest margin | 3.4255% | 3,793 |
| Noninterest income to average assets | 0.3981% | 3,487 |
| Noninterest expense to average assets | 2.4593% | 3,780 |
| Loan and lease loss provision to assets | 0.1591% | 1,137 |
| Net operating income to assets | 1.0514% | 2,640 |
| Return on assets (ROA) | 1.0514% | 2,652 |
| Pretax return on assets | 1.0514% | 3,355 |
| Return on Equity (ROE) | 9.6062% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.4715% | 4,181 |
| Net charge-offs to loans | 0.0364% | 1,795 |
| Credit loss provision to net charge-offs | 584.3750% | 533 |
| Earnings coverage of net charge-offs (x) | 44.4688% | 1,003 |
| Efficiency ratio | 67.0144% | 3,005 |
| Assets per employee ($millions) | 5.0524% | 2,424 |
| Cash dividends to net income (ytd only)* | 74.2718% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 657 |
| Loan loss allowance to noncurrent loans | 83.2872% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 699 |
| Noncurrent loans to loans | 2.2765% | 636 |
| Net loans and leases to total assets | 73.7248% | 1,906 |
| Net loans and leases to deposits | 90.4350% | 1,638 |
| Net loans and leases to core deposits | 99.0849% | 1,757 |
| Total domestic deposits to total assets | 81.5224% | 4,084 |
| Equity capital to assets | 10.9037% | 2,678 |
| Core capital (leverage) ratio | 11.5205% | 1,993 |
| Tier 1 risk-based capital ratio | 13.9559% | 3,402 |
| Total risk-based capital ratio | 15.2119% | 3,312 |
| Memoranda: | ||
| Average total assets | $470,217,500 | 1,511 |
| Average earning assets | $449,099,000 | 1,462 |
| Average equity | $51,466,500 | 1,492 |
| Average total loans | $351,973,000 | 1,390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,012 |
| Cost of funding earning assets | 0.4056% | 3,197 |
| Net interest margin | 3.4045% | 3,839 |
| Noninterest income to average assets | 0.3601% | 3,895 |
| Noninterest expense to average assets | 2.4306% | 3,987 |
| Loan and lease loss provision to assets | 0.1136% | 2,004 |
| Net operating income to assets | 1.0561% | 2,033 |
| Return on assets (ROA) | 1.0619% | 2,032 |
| Pretax return on assets | 1.0608% | 3,337 |
| Return on Equity (ROE) | 9.5706% | 2,069 |
| Retained earnings to average equity (ytd only) | 2.6480% | 3,740 |
| Net charge-offs to loans | 0.0630% | 2,576 |
| Credit loss provision to net charge-offs | 246.7290% | 1,118 |
| Earnings coverage of net charge-offs (x) | 25.3879% | 1,717 |
| Efficiency ratio | 67.5312% | 2,989 |
| Assets per employee ($millions) | 4.9032% | 2,595 |
| Cash dividends to net income (ytd only)* | 72.3314% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 747 |
| Loan loss allowance to noncurrent loans | 72.3490% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.9686% | 574 |
| Noncurrent loans to loans | 2.5209% | 528 |
| Net loans and leases to total assets | 73.2036% | 2,061 |
| Net loans and leases to deposits | 95.7502% | 1,109 |
| Net loans and leases to core deposits | 103.6452% | 1,436 |
| Total domestic deposits to total assets | 76.4527% | 4,927 |
| Equity capital to assets | 10.9858% | 2,642 |
| Core capital (leverage) ratio | 11.4415% | 1,979 |
| Tier 1 risk-based capital ratio | 13.6325% | 3,556 |
| Total risk-based capital ratio | 14.8878% | 3,469 |
| Memoranda: | ||
| Average total assets | $464,910,400 | 1,496 |
| Average earning assets | $442,323,600 | 1,459 |
| Average equity | $51,585,200 | 1,487 |
| Average total loans | $339,865,600 | 1,413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,016 |
| Cost of funding earning assets | 0.3915% | 3,283 |
| Net interest margin | 3.4080% | 3,819 |
| Noninterest income to average assets | 0.3632% | 3,934 |
| Noninterest expense to average assets | 2.4812% | 3,796 |
| Loan and lease loss provision to assets | 0.1263% | 1,716 |
| Net operating income to assets | 0.9963% | 2,570 |
| Return on assets (ROA) | 1.0032% | 2,583 |
| Pretax return on assets | 1.0018% | 3,685 |
| Return on Equity (ROE) | 9.0185% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.3554% | 3,933 |
| Net charge-offs to loans | -0.0210% | 4,862 |
| Credit loss provision to net charge-offs | -826.4151% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8766% | 2,730 |
| Assets per employee ($millions) | 5.1937% | 2,230 |
| Cash dividends to net income (ytd only)* | 62.7947% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 671 |
| Loan loss allowance to noncurrent loans | 69.3745% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.3167% | 496 |
| Noncurrent loans to loans | 2.7702% | 500 |
| Net loans and leases to total assets | 72.5382% | 2,177 |
| Net loans and leases to deposits | 90.8440% | 1,707 |
| Net loans and leases to core deposits | 96.6259% | 2,011 |
| Total domestic deposits to total assets | 79.8492% | 4,346 |
| Equity capital to assets | 11.2764% | 2,594 |
| Core capital (leverage) ratio | 11.5494% | 1,983 |
| Tier 1 risk-based capital ratio | 13.9243% | 3,479 |
| Total risk-based capital ratio | 15.1806% | 3,404 |
| Memoranda: | ||
| Average total assets | $462,235,000 | 1,515 |
| Average earning assets | $439,345,250 | 1,482 |
| Average equity | $51,419,000 | 1,505 |
| Average total loans | $336,173,750 | 1,432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 3,957 |
| Cost of funding earning assets | 0.3848% | 3,238 |
| Net interest margin | 3.3965% | 3,783 |
| Noninterest income to average assets | 0.3553% | 4,015 |
| Noninterest expense to average assets | 2.4999% | 3,755 |
| Loan and lease loss provision to assets | 0.1385% | 1,489 |
| Net operating income to assets | 0.9451% | 2,691 |
| Return on assets (ROA) | 0.9555% | 2,691 |
| Pretax return on assets | 0.9555% | 3,745 |
| Return on Equity (ROE) | 8.6294% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.1066% | 3,863 |
| Net charge-offs to loans | -0.0324% | 4,994 |
| Credit loss provision to net charge-offs | -590.7407% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7612% | 2,711 |
| Assets per employee ($millions) | 4.8869% | 2,530 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 669 |
| Loan loss allowance to noncurrent loans | 68.9812% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.2946% | 508 |
| Noncurrent loans to loans | 2.8125% | 491 |
| Net loans and leases to total assets | 71.8153% | 2,233 |
| Net loans and leases to deposits | 87.2451% | 2,074 |
| Net loans and leases to core deposits | 94.1431% | 2,143 |
| Total domestic deposits to total assets | 82.3144% | 3,801 |
| Equity capital to assets | 11.3968% | 2,414 |
| Core capital (leverage) ratio | 11.5881% | 1,907 |
| Tier 1 risk-based capital ratio | 14.1116% | 3,366 |
| Total risk-based capital ratio | 15.3680% | 3,274 |
| Memoranda: | ||
| Average total assets | $460,501,670 | 1,525 |
| Average earning assets | $437,685,330 | 1,494 |
| Average equity | $50,988,670 | 1,518 |
| Average total loans | $332,994,000 | 1,446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,064 |
| Cost of funding earning assets | 0.3868% | 3,125 |
| Net interest margin | 3.3293% | 3,919 |
| Noninterest income to average assets | 0.3210% | 4,254 |
| Noninterest expense to average assets | 2.5549% | 3,642 |
| Loan and lease loss provision to assets | 0.1405% | 1,343 |
| Net operating income to assets | 0.7843% | 3,288 |
| Return on assets (ROA) | 0.7843% | 3,345 |
| Pretax return on assets | 0.7843% | 4,167 |
| Return on Equity (ROE) | 7.1880% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.9163% | 4,359 |
| Net charge-offs to loans | -0.0350% | 5,007 |
| Credit loss provision to net charge-offs | -558.6207% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4231% | 2,339 |
| Assets per employee ($millions) | 4.7454% | 2,772 |
| Cash dividends to net income (ytd only)* | 73.3407% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 756 |
| Loan loss allowance to noncurrent loans | 58.5602% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6153% | 425 |
| Noncurrent loans to loans | 3.2884% | 385 |
| Net loans and leases to total assets | 70.9356% | 2,231 |
| Net loans and leases to deposits | 85.7844% | 2,053 |
| Net loans and leases to core deposits | 92.6590% | 2,106 |
| Total domestic deposits to total assets | 82.6905% | 3,951 |
| Equity capital to assets | 11.0874% | 2,546 |
| Core capital (leverage) ratio | 11.4236% | 2,005 |
| Tier 1 risk-based capital ratio | 14.1513% | 3,384 |
| Total risk-based capital ratio | 15.4074% | 3,301 |
| Memoranda: | ||
| Average total assets | $461,066,000 | 1,527 |
| Average earning assets | $437,450,500 | 1,499 |
| Average equity | $50,306,000 | 1,534 |
| Average total loans | $331,277,500 | 1,453 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,043 |
| Cost of funding earning assets | 0.3686% | 3,328 |
| Net interest margin | 3.3856% | 3,865 |
| Noninterest income to average assets | 0.4932% | 3,282 |
| Noninterest expense to average assets | 3.0224% | 2,281 |
| Loan and lease loss provision to assets | -0.0489% | 5,586 |
| Net operating income to assets | 0.1374% | 5,512 |
| Return on assets (ROA) | 0.2074% | 5,462 |
| Pretax return on assets | 0.8416% | 4,043 |
| Return on Equity (ROE) | 1.7536% | 5,445 |
| Retained earnings to average equity (ytd only) | -3.4520% | 5,608 |
| Net charge-offs to loans | 0.0584% | 2,882 |
| Credit loss provision to net charge-offs | -117.2973% | 4,916 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 2,114 |
| Efficiency ratio | 81.5618% | 1,252 |
| Assets per employee ($millions) | 4.8602% | 2,559 |
| Cash dividends to net income (ytd only)* | 296.8512% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 878 |
| Loan loss allowance to noncurrent loans | 56.6875% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.5582% | 462 |
| Noncurrent loans to loans | 3.2595% | 383 |
| Net loans and leases to total assets | 70.0646% | 2,457 |
| Net loans and leases to deposits | 85.4053% | 2,250 |
| Net loans and leases to core deposits | 92.6505% | 2,239 |
| Total domestic deposits to total assets | 82.0377% | 4,064 |
| Equity capital to assets | 10.7384% | 2,879 |
| Core capital (leverage) ratio | 11.4769% | 1,946 |
| Tier 1 risk-based capital ratio | 13.9326% | 3,501 |
| Total risk-based capital ratio | 15.1878% | 3,413 |
| Memoranda: | ||
| Average total assets | $444,052,400 | 1,531 |
| Average earning assets | $421,349,400 | 1,496 |
| Average equity | $52,520,000 | 1,464 |
| Average total loans | $316,884,000 | 1,459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,951 |
| Cost of funding earning assets | 0.3736% | 3,299 |
| Net interest margin | 3.4153% | 3,797 |
| Noninterest income to average assets | 0.4808% | 3,373 |
| Noninterest expense to average assets | 3.1886% | 1,807 |
| Loan and lease loss provision to assets | -0.0918% | 5,779 |
| Net operating income to assets | -0.2099% | 5,793 |
| Return on assets (ROA) | -0.1153% | 5,780 |
| Pretax return on assets | 0.7764% | 4,391 |
| Return on Equity (ROE) | -0.9512% | 5,776 |
| Retained earnings to average equity (ytd only) | -2.3316% | 5,617 |
| Net charge-offs to loans | -0.0217% | 5,037 |
| Credit loss provision to net charge-offs | 592.1569% | 622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5918% | 857 |
| Assets per employee ($millions) | 4.6786% | 2,785 |
| Cash dividends to net income (ytd only)* | -145.1199% | 5,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 694 |
| Loan loss allowance to noncurrent loans | 57.4330% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 457 |
| Noncurrent loans to loans | 3.5279% | 360 |
| Net loans and leases to total assets | 69.3210% | 2,595 |
| Net loans and leases to deposits | 82.5360% | 2,669 |
| Net loans and leases to core deposits | 87.3134% | 2,823 |
| Total domestic deposits to total assets | 83.9888% | 3,213 |
| Equity capital to assets | 12.2215% | 1,969 |
| Core capital (leverage) ratio | 12.1190% | 1,593 |
| Tier 1 risk-based capital ratio | 15.0016% | 3,049 |
| Total risk-based capital ratio | 16.2587% | 2,978 |
| Memoranda: | ||
| Average total assets | $438,421,000 | 1,544 |
| Average earning assets | $416,507,250 | 1,514 |
| Average equity | $53,124,250 | 1,453 |
| Average total loans | $312,840,000 | 1,476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 3,890 |
| Cost of funding earning assets | 0.3766% | 3,285 |
| Net interest margin | 3.4415% | 3,718 |
| Noninterest income to average assets | 0.4790% | 3,338 |
| Noninterest expense to average assets | 3.4583% | 1,249 |
| Loan and lease loss provision to assets | -0.1685% | 5,924 |
| Net operating income to assets | -0.8803% | 5,971 |
| Return on assets (ROA) | -0.8704% | 5,974 |
| Pretax return on assets | 0.4685% | 5,203 |
| Return on Equity (ROE) | -7.2039% | 5,955 |
| Retained earnings to average equity (ytd only) | -8.5910% | 5,849 |
| Net charge-offs to loans | -0.0300% | 5,125 |
| Credit loss provision to net charge-offs | 785.1064% | 461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3987% | 480 |
| Assets per employee ($millions) | 4.4314% | 3,159 |
| Cash dividends to net income (ytd only)* | -19.2550% | 6,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 819 |
| Loan loss allowance to noncurrent loans | 58.5902% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 483 |
| Noncurrent loans to loans | 3.3270% | 410 |
| Net loans and leases to total assets | 71.4767% | 2,252 |
| Net loans and leases to deposits | 84.4722% | 2,410 |
| Net loans and leases to core deposits | 87.7652% | 2,747 |
| Total domestic deposits to total assets | 84.6156% | 3,041 |
| Equity capital to assets | 12.1218% | 2,038 |
| Core capital (leverage) ratio | 11.8248% | 1,748 |
| Tier 1 risk-based capital ratio | 14.2780% | 3,450 |
| Total risk-based capital ratio | 15.5341% | 3,366 |
| Memoranda: | ||
| Average total assets | $437,964,000 | 1,550 |
| Average earning assets | $415,340,670 | 1,517 |
| Average equity | $52,916,000 | 1,463 |
| Average total loans | $313,395,670 | 1,477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 3,974 |
| Cost of funding earning assets | 0.3808% | 3,288 |
| Net interest margin | 3.4108% | 3,836 |
| Noninterest income to average assets | 0.4909% | 3,191 |
| Noninterest expense to average assets | 3.8054% | 773 |
| Loan and lease loss provision to assets | 0.0612% | 2,715 |
| Net operating income to assets | -2.8300% | 6,092 |
| Return on assets (ROA) | -2.7990% | 6,091 |
| Pretax return on assets | -0.1188% | 5,866 |
| Return on Equity (ROE) | -23.2040% | 6,075 |
| Retained earnings to average equity (ytd only) | -24.5984% | 5,997 |
| Net charge-offs to loans | -0.0709% | 5,504 |
| Credit loss provision to net charge-offs | -121.8182% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3856% | 235 |
| Assets per employee ($millions) | 4.4693% | 3,126 |
| Cash dividends to net income (ytd only)* | -6.0091% | 6,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 664 |
| Loan loss allowance to noncurrent loans | 67.8383% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7159% | 520 |
| Noncurrent loans to loans | 3.1279% | 503 |
| Net loans and leases to total assets | 71.0560% | 2,183 |
| Net loans and leases to deposits | 83.8164% | 2,320 |
| Net loans and leases to core deposits | 87.0578% | 2,651 |
| Total domestic deposits to total assets | 84.7758% | 3,218 |
| Equity capital to assets | 11.8624% | 2,111 |
| Core capital (leverage) ratio | 11.7365% | 1,805 |
| Tier 1 risk-based capital ratio | 14.0974% | 3,618 |
| Total risk-based capital ratio | 15.3552% | 3,548 |
| Memoranda: | ||
| Average total assets | $437,590,000 | 1,556 |
| Average earning assets | $413,863,000 | 1,528 |
| Average equity | $52,784,000 | 1,456 |
| Average total loans | $310,188,000 | 1,482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,994 |
| Cost of funding earning assets | 0.4099% | 3,050 |
| Net interest margin | 3.4063% | 3,886 |
| Noninterest income to average assets | 0.4536% | 3,636 |
| Noninterest expense to average assets | 2.6044% | 3,904 |
| Loan and lease loss provision to assets | 0.0189% | 4,028 |
| Net operating income to assets | 0.7277% | 3,682 |
| Return on assets (ROA) | 0.7277% | 3,778 |
| Pretax return on assets | 1.0300% | 3,351 |
| Return on Equity (ROE) | 5.8403% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.0567% | 3,883 |
| Net charge-offs to loans | 0.2736% | 1,107 |
| Credit loss provision to net charge-offs | 9.7708% | 3,821 |
| Earnings coverage of net charge-offs (x) | 5.4282% | 3,390 |
| Efficiency ratio | 71.2900% | 3,017 |
| Assets per employee ($millions) | 4.5532% | 2,958 |
| Cash dividends to net income (ytd only)* | 47.6618% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 646 |
| Loan loss allowance to noncurrent loans | 66.2892% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.7505% | 523 |
| Noncurrent loans to loans | 3.2357% | 467 |
| Net loans and leases to total assets | 67.7218% | 2,746 |
| Net loans and leases to deposits | 79.9703% | 2,827 |
| Net loans and leases to core deposits | 84.0707% | 2,959 |
| Total domestic deposits to total assets | 84.6837% | 3,213 |
| Equity capital to assets | 12.2588% | 1,772 |
| Core capital (leverage) ratio | 12.3345% | 1,432 |
| Tier 1 risk-based capital ratio | 15.1553% | 3,102 |
| Total risk-based capital ratio | 16.4131% | 3,032 |
| Memoranda: | ||
| Average total assets | $429,042,600 | 1,551 |
| Average earning assets | $403,016,000 | 1,521 |
| Average equity | $53,456,400 | 1,399 |
| Average total loans | $302,962,400 | 1,462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 4,003 |
| Cost of funding earning assets | 0.4146% | 3,074 |
| Net interest margin | 3.4143% | 3,893 |
| Noninterest income to average assets | 0.5272% | 3,184 |
| Noninterest expense to average assets | 2.6357% | 3,756 |
| Loan and lease loss provision to assets | 0.0463% | 3,277 |
| Net operating income to assets | 0.7254% | 3,785 |
| Return on assets (ROA) | 0.7254% | 3,891 |
| Pretax return on assets | 1.0603% | 3,376 |
| Return on Equity (ROE) | 5.7976% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.9301% | 4,367 |
| Net charge-offs to loans | 0.3189% | 836 |
| Credit loss provision to net charge-offs | 20.4703% | 3,361 |
| Earnings coverage of net charge-offs (x) | 4.8893% | 3,282 |
| Efficiency ratio | 70.4283% | 3,143 |
| Assets per employee ($millions) | 4.4433% | 3,107 |
| Cash dividends to net income (ytd only)* | 49.4604% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2534% | 608 |
| Loan loss allowance to noncurrent loans | 68.1901% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8779% | 549 |
| Noncurrent loans to loans | 3.3046% | 497 |
| Net loans and leases to total assets | 68.4274% | 2,616 |
| Net loans and leases to deposits | 81.7476% | 2,673 |
| Net loans and leases to core deposits | 86.2096% | 2,828 |
| Total domestic deposits to total assets | 83.7057% | 3,535 |
| Equity capital to assets | 12.6456% | 1,658 |
| Core capital (leverage) ratio | 12.5680% | 1,374 |
| Tier 1 risk-based capital ratio | 15.2699% | 3,156 |
| Total risk-based capital ratio | 16.5286% | 3,089 |
| Memoranda: | ||
| Average total assets | $425,888,250 | 1,572 |
| Average earning assets | $401,049,750 | 1,539 |
| Average equity | $53,285,000 | 1,411 |
| Average total loans | $302,289,000 | 1,468 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 3,937 |
| Cost of funding earning assets | 0.4151% | 3,097 |
| Net interest margin | 3.4202% | 3,831 |
| Noninterest income to average assets | 0.5525% | 3,022 |
| Noninterest expense to average assets | 2.6100% | 3,874 |
| Loan and lease loss provision to assets | 0.0536% | 3,049 |
| Net operating income to assets | 0.7546% | 3,625 |
| Return on assets (ROA) | 0.7546% | 3,722 |
| Pretax return on assets | 1.1103% | 3,127 |
| Return on Equity (ROE) | 6.0528% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.1734% | 4,035 |
| Net charge-offs to loans | 0.2932% | 895 |
| Credit loss provision to net charge-offs | 25.6180% | 2,967 |
| Earnings coverage of net charge-offs (x) | 5.5663% | 2,908 |
| Efficiency ratio | 69.1609% | 3,463 |
| Assets per employee ($millions) | 4.3245% | 3,259 |
| Cash dividends to net income (ytd only)* | 47.5716% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 670 |
| Loan loss allowance to noncurrent loans | 65.9635% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.9844% | 566 |
| Noncurrent loans to loans | 3.4303% | 523 |
| Net loans and leases to total assets | 70.3516% | 2,265 |
| Net loans and leases to deposits | 82.7784% | 2,466 |
| Net loans and leases to core deposits | 89.4494% | 2,397 |
| Total domestic deposits to total assets | 84.9879% | 3,125 |
| Equity capital to assets | 12.4089% | 1,711 |
| Core capital (leverage) ratio | 12.4390% | 1,410 |
| Tier 1 risk-based capital ratio | 15.1404% | 3,280 |
| Total risk-based capital ratio | 16.3999% | 3,209 |
| Memoranda: | ||
| Average total assets | $425,664,330 | 1,581 |
| Average earning assets | $400,909,670 | 1,548 |
| Average equity | $53,066,330 | 1,426 |
| Average total loans | $303,514,330 | 1,467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 4,019 |
| Cost of funding earning assets | 0.4184% | 3,097 |
| Net interest margin | 3.3794% | 3,919 |
| Noninterest income to average assets | 0.5466% | 2,974 |
| Noninterest expense to average assets | 2.6002% | 3,921 |
| Loan and lease loss provision to assets | 0.0452% | 3,017 |
| Net operating income to assets | 0.7379% | 3,605 |
| Return on assets (ROA) | 0.7379% | 3,730 |
| Pretax return on assets | 1.0829% | 3,150 |
| Return on Equity (ROE) | 5.9054% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.6277% | 3,831 |
| Net charge-offs to loans | -0.0292% | 5,234 |
| Credit loss provision to net charge-offs | -218.1818% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7422% | 3,535 |
| Assets per employee ($millions) | 4.3435% | 3,300 |
| Cash dividends to net income (ytd only)* | 38.5696% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3840% | 630 |
| Loan loss allowance to noncurrent loans | 61.7640% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 3.8218% | 404 |
| Noncurrent loans to loans | 3.8599% | 461 |
| Net loans and leases to total assets | 70.2161% | 2,113 |
| Net loans and leases to deposits | 82.7634% | 2,237 |
| Net loans and leases to core deposits | 88.4923% | 2,276 |
| Total domestic deposits to total assets | 84.8395% | 3,481 |
| Equity capital to assets | 12.4398% | 1,729 |
| Core capital (leverage) ratio | 12.5703% | 1,332 |
| Tier 1 risk-based capital ratio | 14.2935% | 3,830 |
| Total risk-based capital ratio | 15.5532% | 3,749 |
| Memoranda: | ||
| Average total assets | $424,433,000 | 1,593 |
| Average earning assets | $399,600,500 | 1,560 |
| Average equity | $53,036,500 | 1,432 |
| Average total loans | $301,188,000 | 1,475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,078 |
| Cost of funding earning assets | 0.4519% | 3,150 |
| Net interest margin | 3.4623% | 3,934 |
| Noninterest income to average assets | 0.3802% | 4,341 |
| Noninterest expense to average assets | 2.4520% | 4,700 |
| Loan and lease loss provision to assets | 0.7249% | 172 |
| Net operating income to assets | 0.3865% | 5,261 |
| Return on assets (ROA) | 0.3865% | 5,334 |
| Pretax return on assets | 0.4578% | 5,365 |
| Return on Equity (ROE) | 3.0875% | 5,444 |
| Retained earnings to average equity (ytd only) | -3.9423% | 6,135 |
| Net charge-offs to loans | 0.9067% | 355 |
| Credit loss provision to net charge-offs | 114.7048% | 2,081 |
| Earnings coverage of net charge-offs (x) | 1.8715% | 4,317 |
| Efficiency ratio | 67.4608% | 3,991 |
| Assets per employee ($millions) | 4.4559% | 3,106 |
| Cash dividends to net income (ytd only)* | 227.6867% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4923% | 554 |
| Loan loss allowance to noncurrent loans | 55.2538% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.5707% | 517 |
| Noncurrent loans to loans | 4.5106% | 369 |
| Net loans and leases to total assets | 68.2244% | 2,523 |
| Net loans and leases to deposits | 80.5505% | 2,661 |
| Net loans and leases to core deposits | 85.1403% | 2,771 |
| Total domestic deposits to total assets | 84.6977% | 3,419 |
| Equity capital to assets | 12.5534% | 1,618 |
| Core capital (leverage) ratio | 12.5679% | 1,327 |
| Tier 1 risk-based capital ratio | 14.9755% | 3,497 |
| Total risk-based capital ratio | 16.2361% | 3,430 |
| Memoranda: | ||
| Average total assets | $426,142,400 | 1,561 |
| Average earning assets | $400,567,200 | 1,524 |
| Average equity | $53,344,800 | 1,371 |
| Average total loans | $296,995,600 | 1,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 4,116 |
| Cost of funding earning assets | 0.4570% | 3,169 |
| Net interest margin | 3.4582% | 3,986 |
| Noninterest income to average assets | 0.3658% | 4,499 |
| Noninterest expense to average assets | 2.4400% | 4,698 |
| Loan and lease loss provision to assets | 0.5885% | 231 |
| Net operating income to assets | 0.4664% | 5,009 |
| Return on assets (ROA) | 0.4664% | 5,087 |
| Pretax return on assets | 0.5838% | 5,073 |
| Return on Equity (ROE) | 3.7283% | 5,271 |
| Retained earnings to average equity (ytd only) | -5.6111% | 6,277 |
| Net charge-offs to loans | 0.9499% | 329 |
| Credit loss provision to net charge-offs | 88.9779% | 2,451 |
| Earnings coverage of net charge-offs (x) | 1.7725% | 4,080 |
| Efficiency ratio | 67.5464% | 3,932 |
| Assets per employee ($millions) | 4.3672% | 3,182 |
| Cash dividends to net income (ytd only)* | 250.5013% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3145% | 812 |
| Loan loss allowance to noncurrent loans | 44.6123% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.9754% | 501 |
| Noncurrent loans to loans | 5.1880% | 332 |
| Net loans and leases to total assets | 67.1876% | 2,659 |
| Net loans and leases to deposits | 79.2437% | 2,815 |
| Net loans and leases to core deposits | 85.0019% | 2,774 |
| Total domestic deposits to total assets | 84.7860% | 3,425 |
| Equity capital to assets | 12.4290% | 1,750 |
| Core capital (leverage) ratio | 12.4248% | 1,445 |
| Tier 1 risk-based capital ratio | 15.3035% | 3,422 |
| Total risk-based capital ratio | 16.5627% | 3,357 |
| Memoranda: | ||
| Average total assets | $427,963,250 | 1,563 |
| Average earning assets | $401,781,500 | 1,530 |
| Average equity | $53,535,750 | 1,369 |
| Average total loans | $297,977,500 | 1,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 4,399 |
| Cost of funding earning assets | 0.4591% | 3,226 |
| Net interest margin | 3.3740% | 4,292 |
| Noninterest income to average assets | 0.2697% | 5,278 |
| Noninterest expense to average assets | 2.4188% | 4,827 |
| Loan and lease loss provision to assets | 0.5955% | 236 |
| Net operating income to assets | 0.3560% | 5,390 |
| Return on assets (ROA) | 0.3560% | 5,456 |
| Pretax return on assets | 0.4173% | 5,506 |
| Return on Equity (ROE) | 2.8401% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.8401% | 4,398 |
| Net charge-offs to loans | 1.2889% | 233 |
| Credit loss provision to net charge-offs | 66.0999% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.1242% | 3,884 |
| Efficiency ratio | 70.4856% | 3,577 |
| Assets per employee ($millions) | 4.3171% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 1,213 |
| Loan loss allowance to noncurrent loans | 29.5145% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 5.6645% | 288 |
| Noncurrent loans to loans | 7.0611% | 170 |
| Net loans and leases to total assets | 68.7061% | 2,288 |
| Net loans and leases to deposits | 80.6012% | 2,437 |
| Net loans and leases to core deposits | 86.4517% | 2,474 |
| Total domestic deposits to total assets | 85.2421% | 3,392 |
| Equity capital to assets | 12.8632% | 1,445 |
| Core capital (leverage) ratio | 12.9806% | 1,164 |
| Tier 1 risk-based capital ratio | 15.5281% | 3,342 |
| Total risk-based capital ratio | 16.7849% | 3,289 |
| Memoranda: | ||
| Average total assets | $430,866,670 | 1,556 |
| Average earning assets | $403,793,330 | 1,520 |
| Average equity | $54,011,330 | 1,345 |
| Average total loans | $301,183,330 | 1,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 4,246 |
| Cost of funding earning assets | 0.4659% | 3,257 |
| Net interest margin | 3.3939% | 4,143 |
| Noninterest income to average assets | 0.2275% | 5,534 |
| Noninterest expense to average assets | 2.4568% | 4,771 |
| Loan and lease loss provision to assets | 0.6389% | 199 |
| Net operating income to assets | 0.2820% | 5,561 |
| Return on assets (ROA) | 0.2820% | 5,604 |
| Pretax return on assets | 0.3107% | 5,692 |
| Return on Equity (ROE) | 2.2792% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.2792% | 4,690 |
| Net charge-offs to loans | 2.3417% | 102 |
| Credit loss provision to net charge-offs | 39.1058% | 2,306 |
| Earnings coverage of net charge-offs (x) | 0.5812% | 3,311 |
| Efficiency ratio | 72.1227% | 3,465 |
| Assets per employee ($millions) | 4.5511% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 1,596 |
| Loan loss allowance to noncurrent loans | 32.2941% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 5.4258% | 357 |
| Noncurrent loans to loans | 6.0732% | 296 |
| Net loans and leases to total assets | 68.1437% | 2,196 |
| Net loans and leases to deposits | 80.1704% | 2,272 |
| Net loans and leases to core deposits | 83.5331% | 2,569 |
| Total domestic deposits to total assets | 84.9986% | 3,868 |
| Equity capital to assets | 12.5945% | 1,527 |
| Core capital (leverage) ratio | 12.8681% | 1,215 |
| Tier 1 risk-based capital ratio | 15.5806% | 3,390 |
| Total risk-based capital ratio | 16.8290% | 3,360 |
| Memoranda: | ||
| Average total assets | $432,601,500 | 1,553 |
| Average earning assets | $405,196,000 | 1,516 |
| Average equity | $53,528,500 | 1,357 |
| Average total loans | $301,826,000 | 1,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 3,099 |
| Cost of funding earning assets | 0.5253% | 3,344 |
| Net interest margin | 3.7366% | 2,913 |
| Noninterest income to average assets | 0.4682% | 3,977 |
| Noninterest expense to average assets | 2.3509% | 5,231 |
| Loan and lease loss provision to assets | 0.1918% | 1,926 |
| Net operating income to assets | 0.9648% | 2,490 |
| Return on assets (ROA) | 0.9648% | 2,558 |
| Pretax return on assets | 1.3882% | 1,829 |
| Return on Equity (ROE) | 7.7366% | 3,175 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.2351% | 2,570 |
| Credit loss provision to net charge-offs | 115.5738% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.5191% | 2,492 |
| Efficiency ratio | 59.8062% | 5,498 |
| Assets per employee ($millions) | 4.6042% | 2,713 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2553% | 1,111 |
| Loan loss allowance to noncurrent loans | 40.1605% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 5.0963% | 457 |
| Noncurrent loans to loans | 5.6158% | 394 |
| Net loans and leases to total assets | 68.4479% | 2,275 |
| Net loans and leases to deposits | 80.1684% | 2,435 |
| Net loans and leases to core deposits | 83.3368% | 2,740 |
| Total domestic deposits to total assets | 85.3801% | 3,564 |
| Equity capital to assets | 12.1576% | 1,709 |
| Core capital (leverage) ratio | 12.4629% | 1,378 |
| Tier 1 risk-based capital ratio | 14.8485% | 3,752 |
| Total risk-based capital ratio | 16.1066% | 3,698 |
| Memoranda: | ||
| Average total assets | $441,017,800 | 1,503 |
| Average earning assets | $408,689,000 | 1,485 |
| Average equity | $54,998,400 | 1,298 |
| Average total loans | $311,369,200 | 1,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 2,467 |
| Cost of funding earning assets | 0.5375% | 3,384 |
| Net interest margin | 3.9004% | 2,272 |
| Noninterest income to average assets | 0.4912% | 3,873 |
| Noninterest expense to average assets | 2.3759% | 5,093 |
| Loan and lease loss provision to assets | 0.2000% | 1,814 |
| Net operating income to assets | 1.0496% | 2,182 |
| Return on assets (ROA) | 1.0496% | 2,268 |
| Pretax return on assets | 1.5191% | 1,549 |
| Return on Equity (ROE) | 8.3647% | 2,934 |
| Retained earnings to average equity (ytd only) | 4.0032% | 3,849 |
| Net charge-offs to loans | 0.2520% | 2,306 |
| Credit loss provision to net charge-offs | 112.1827% | 2,104 |
| Earnings coverage of net charge-offs (x) | 9.6413% | 2,457 |
| Efficiency ratio | 58.0196% | 5,680 |
| Assets per employee ($millions) | 4.4181% | 3,022 |
| Cash dividends to net income (ytd only)* | 52.1415% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 1,302 |
| Loan loss allowance to noncurrent loans | 111.4610% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 2.5366% | 1,508 |
| Noncurrent loans to loans | 1.9881% | 2,256 |
| Net loans and leases to total assets | 69.2710% | 2,090 |
| Net loans and leases to deposits | 81.6625% | 2,178 |
| Net loans and leases to core deposits | 85.7370% | 2,439 |
| Total domestic deposits to total assets | 84.8259% | 3,830 |
| Equity capital to assets | 12.6697% | 1,491 |
| Core capital (leverage) ratio | 12.9865% | 1,212 |
| Tier 1 risk-based capital ratio | 14.7789% | 3,891 |
| Total risk-based capital ratio | 16.0361% | 3,845 |
| Memoranda: | ||
| Average total assets | $441,923,000 | 1,510 |
| Average earning assets | $408,328,500 | 1,493 |
| Average equity | $55,453,750 | 1,296 |
| Average total loans | $312,637,250 | 1,361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 2,287 |
| Cost of funding earning assets | 0.5519% | 3,390 |
| Net interest margin | 3.9241% | 2,133 |
| Noninterest income to average assets | 0.5137% | 3,750 |
| Noninterest expense to average assets | 2.3661% | 5,157 |
| Loan and lease loss provision to assets | 0.1975% | 1,922 |
| Net operating income to assets | 1.0662% | 2,051 |
| Return on assets (ROA) | 1.0662% | 2,170 |
| Pretax return on assets | 1.5610% | 1,458 |
| Return on Equity (ROE) | 8.5241% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.6815% | 3,964 |
| Net charge-offs to loans | 0.2889% | 2,038 |
| Credit loss provision to net charge-offs | 96.6887% | 2,307 |
| Earnings coverage of net charge-offs (x) | 8.6071% | 2,383 |
| Efficiency ratio | 57.3647% | 5,818 |
| Assets per employee ($millions) | 4.6068% | 2,638 |
| Cash dividends to net income (ytd only)* | 56.8105% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 1,499 |
| Loan loss allowance to noncurrent loans | 108.8471% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 3.0739% | 1,312 |
| Noncurrent loans to loans | 1.9876% | 2,414 |
| Net loans and leases to total assets | 70.0462% | 1,868 |
| Net loans and leases to deposits | 82.9232% | 1,937 |
| Net loans and leases to core deposits | 87.0695% | 2,223 |
| Total domestic deposits to total assets | 84.4712% | 4,135 |
| Equity capital to assets | 12.4478% | 1,612 |
| Core capital (leverage) ratio | 12.5641% | 1,332 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,368 |
| Total risk-based capital ratio | 15.2348% | 4,399 |
| Memoranda: | ||
| Average total assets | $443,433,670 | 1,497 |
| Average earning assets | $408,040,000 | 1,492 |
| Average equity | $55,466,330 | 1,299 |
| Average total loans | $313,566,000 | 1,351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,751 |
| Cost of funding earning assets | 0.5541% | 3,532 |
| Net interest margin | 4.0737% | 1,546 |
| Noninterest income to average assets | 0.4956% | 3,799 |
| Noninterest expense to average assets | 2.3687% | 5,201 |
| Loan and lease loss provision to assets | 0.2008% | 1,853 |
| Net operating income to assets | 1.1283% | 1,751 |
| Return on assets (ROA) | 1.1283% | 1,869 |
| Pretax return on assets | 1.6490% | 1,195 |
| Return on Equity (ROE) | 8.9992% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.8255% | 2,766 |
| Net charge-offs to loans | 0.3519% | 1,589 |
| Credit loss provision to net charge-offs | 81.1594% | 2,146 |
| Earnings coverage of net charge-offs (x) | 7.4783% | 2,063 |
| Efficiency ratio | 56.1504% | 6,054 |
| Assets per employee ($millions) | 4.6993% | 2,654 |
| Cash dividends to net income (ytd only)* | 35.2661% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 1,635 |
| Loan loss allowance to noncurrent loans | 106.7786% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 3.5385% | 1,195 |
| Noncurrent loans to loans | 2.0374% | 2,583 |
| Net loans and leases to total assets | 68.6307% | 1,900 |
| Net loans and leases to deposits | 81.5823% | 1,884 |
| Net loans and leases to core deposits | 85.8210% | 2,124 |
| Total domestic deposits to total assets | 84.1245% | 4,422 |
| Equity capital to assets | 12.7329% | 1,571 |
| Core capital (leverage) ratio | 12.4398% | 1,362 |
| Tier 1 risk-based capital ratio | 14.2785% | 4,299 |
| Total risk-based capital ratio | 15.4442% | 4,332 |
| Memoranda: | ||
| Average total assets | $446,325,500 | 1,502 |
| Average earning assets | $407,884,000 | 1,506 |
| Average equity | $55,960,500 | 1,306 |
| Average total loans | $313,681,000 | 1,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 2,418 |
| Cost of funding earning assets | 0.7175% | 3,348 |
| Net interest margin | 4.0257% | 2,285 |
| Noninterest income to average assets | 0.1796% | 6,111 |
| Noninterest expense to average assets | 2.1774% | 5,971 |
| Loan and lease loss provision to assets | 0.1374% | 3,906 |
| Net operating income to assets | 1.0482% | 2,132 |
| Return on assets (ROA) | 1.0482% | 2,330 |
| Pretax return on assets | 1.5402% | 1,558 |
| Return on Equity (ROE) | 8.6863% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.7293% | 2,897 |
| Net charge-offs to loans | 0.2561% | 3,407 |
| Credit loss provision to net charge-offs | 74.7596% | 4,019 |
| Earnings coverage of net charge-offs (x) | 9.1298% | 2,304 |
| Efficiency ratio | 56.4824% | 6,010 |
| Assets per employee ($millions) | 4.6970% | 2,646 |
| Cash dividends to net income (ytd only)* | 45.5542% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 1,666 |
| Loan loss allowance to noncurrent loans | 165.1434% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 3.0270% | 1,560 |
| Noncurrent loans to loans | 1.2959% | 3,671 |
| Net loans and leases to total assets | 68.8953% | 2,053 |
| Net loans and leases to deposits | 83.1114% | 1,870 |
| Net loans and leases to core deposits | 87.5920% | 2,135 |
| Total domestic deposits to total assets | 82.8951% | 4,764 |
| Equity capital to assets | 12.3472% | 1,828 |
| Core capital (leverage) ratio | 12.1592% | 1,473 |
| Tier 1 risk-based capital ratio | 13.8343% | 4,512 |
| Total risk-based capital ratio | 15.0100% | 4,512 |
| Memoranda: | ||
| Average total assets | $452,791,000 | 1,454 |
| Average earning assets | $413,396,800 | 1,458 |
| Average equity | $54,638,000 | 1,308 |
| Average total loans | $324,855,000 | 1,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,474 |
| Cost of funding earning assets | 0.7565% | 3,298 |
| Net interest margin | 4.0195% | 2,421 |
| Noninterest income to average assets | 0.1653% | 6,317 |
| Noninterest expense to average assets | 2.1621% | 6,033 |
| Loan and lease loss provision to assets | 0.1865% | 3,255 |
| Net operating income to assets | 1.0263% | 2,381 |
| Return on assets (ROA) | 1.0263% | 2,599 |
| Pretax return on assets | 1.5005% | 1,873 |
| Return on Equity (ROE) | 8.5546% | 3,016 |
| Retained earnings to average equity (ytd only) | 5.3770% | 3,111 |
| Net charge-offs to loans | 0.1498% | 3,910 |
| Credit loss provision to net charge-offs | 172.7520% | 1,614 |
| Earnings coverage of net charge-offs (x) | 15.6267% | 1,747 |
| Efficiency ratio | 56.1712% | 6,035 |
| Assets per employee ($millions) | 4.5887% | 2,762 |
| Cash dividends to net income (ytd only)* | 37.1454% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2714% | 1,577 |
| Loan loss allowance to noncurrent loans | 146.7111% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 3.4199% | 1,476 |
| Noncurrent loans to loans | 1.5482% | 3,465 |
| Net loans and leases to total assets | 69.5657% | 2,000 |
| Net loans and leases to deposits | 84.4527% | 1,809 |
| Net loans and leases to core deposits | 89.1837% | 2,088 |
| Total domestic deposits to total assets | 82.3723% | 4,888 |
| Equity capital to assets | 12.3675% | 1,985 |
| Core capital (leverage) ratio | 11.9128% | 1,713 |
| Tier 1 risk-based capital ratio | 13.7441% | 4,728 |
| Total risk-based capital ratio | 14.9245% | 4,722 |
| Memoranda: | ||
| Average total assets | $453,260,500 | 1,467 |
| Average earning assets | $415,395,750 | 1,466 |
| Average equity | $54,378,750 | 1,323 |
| Average total loans | $326,705,750 | 1,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 2,523 |
| Cost of funding earning assets | 0.7840% | 3,328 |
| Net interest margin | 4.0131% | 2,445 |
| Noninterest income to average assets | 0.1615% | 6,376 |
| Noninterest expense to average assets | 2.1098% | 6,215 |
| Loan and lease loss provision to assets | 0.2808% | 2,334 |
| Net operating income to assets | 0.9915% | 2,499 |
| Return on assets (ROA) | 0.9915% | 2,727 |
| Pretax return on assets | 1.4431% | 2,042 |
| Return on Equity (ROE) | 8.3497% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.1477% | 3,189 |
| Net charge-offs to loans | 0.4360% | 2,298 |
| Credit loss provision to net charge-offs | 88.9819% | 3,076 |
| Earnings coverage of net charge-offs (x) | 5.4630% | 2,830 |
| Efficiency ratio | 55.0339% | 6,225 |
| Assets per employee ($millions) | 4.6506% | 2,638 |
| Cash dividends to net income (ytd only)* | 38.3489% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,827 |
| Loan loss allowance to noncurrent loans | 132.3333% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 3.5927% | 1,467 |
| Noncurrent loans to loans | 1.6450% | 3,438 |
| Net loans and leases to total assets | 68.9844% | 2,102 |
| Net loans and leases to deposits | 82.7373% | 2,016 |
| Net loans and leases to core deposits | 88.0741% | 2,200 |
| Total domestic deposits to total assets | 83.3776% | 4,586 |
| Equity capital to assets | 12.1179% | 2,055 |
| Core capital (leverage) ratio | 11.7438% | 1,757 |
| Tier 1 risk-based capital ratio | 13.4464% | 4,871 |
| Total risk-based capital ratio | 14.6351% | 4,873 |
| Memoranda: | ||
| Average total assets | $454,448,670 | 1,466 |
| Average earning assets | $415,840,670 | 1,463 |
| Average equity | $53,966,330 | 1,322 |
| Average total loans | $328,906,000 | 1,290 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 2,390 |
| Cost of funding earning assets | 0.8255% | 3,273 |
| Net interest margin | 4.0363% | 2,347 |
| Noninterest income to average assets | 0.1771% | 6,320 |
| Noninterest expense to average assets | 2.0486% | 6,378 |
| Loan and lease loss provision to assets | 0.3306% | 1,894 |
| Net operating income to assets | 1.0129% | 2,428 |
| Return on assets (ROA) | 1.0129% | 2,622 |
| Pretax return on assets | 1.4768% | 1,939 |
| Return on Equity (ROE) | 8.6167% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.3938% | 3,317 |
| Net charge-offs to loans | 0.7634% | 1,340 |
| Credit loss provision to net charge-offs | 59.0909% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 2,909 |
| Efficiency ratio | 53.1271% | 6,423 |
| Assets per employee ($millions) | 4.7625% | 2,570 |
| Cash dividends to net income (ytd only)* | 37.4026% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 2,286 |
| Loan loss allowance to noncurrent loans | 95.6454% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 4.0061% | 1,370 |
| Noncurrent loans to loans | 2.1169% | 3,012 |
| Net loans and leases to total assets | 71.3657% | 1,508 |
| Net loans and leases to deposits | 85.8894% | 1,435 |
| Net loans and leases to core deposits | 92.2183% | 1,630 |
| Total domestic deposits to total assets | 83.0902% | 4,891 |
| Equity capital to assets | 11.7976% | 2,188 |
| Core capital (leverage) ratio | 11.5836% | 1,847 |
| Tier 1 risk-based capital ratio | 12.8645% | 5,310 |
| Total risk-based capital ratio | 14.0532% | 5,338 |
| Memoranda: | ||
| Average total assets | $456,119,000 | 1,464 |
| Average earning assets | $415,731,500 | 1,468 |
| Average equity | $53,617,000 | 1,318 |
| Average total loans | $334,299,500 | 1,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 3,154 |
| Cost of funding earning assets | 0.9808% | 3,509 |
| Net interest margin | 3.9594% | 3,072 |
| Noninterest income to average assets | 0.1911% | 6,135 |
| Noninterest expense to average assets | 2.1305% | 6,428 |
| Loan and lease loss provision to assets | 0.4164% | 2,505 |
| Net operating income to assets | 0.9006% | 2,599 |
| Return on assets (ROA) | 0.9006% | 2,732 |
| Pretax return on assets | 1.3012% | 2,127 |
| Return on Equity (ROE) | 8.2637% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.4136% | 2,361 |
| Net charge-offs to loans | 0.5816% | 2,705 |
| Credit loss provision to net charge-offs | 95.7746% | 3,768 |
| Earnings coverage of net charge-offs (x) | 3.9505% | 3,326 |
| Efficiency ratio | 55.3641% | 6,382 |
| Assets per employee ($millions) | 5.0004% | 2,200 |
| Cash dividends to net income (ytd only)* | 34.4900% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 2,046 |
| Loan loss allowance to noncurrent loans | 109.9702% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 3.2828% | 1,815 |
| Noncurrent loans to loans | 1.8980% | 3,344 |
| Net loans and leases to total assets | 72.2068% | 1,611 |
| Net loans and leases to deposits | 87.1449% | 1,497 |
| Net loans and leases to core deposits | 93.8588% | 1,714 |
| Total domestic deposits to total assets | 82.8582% | 4,807 |
| Equity capital to assets | 11.7123% | 2,330 |
| Core capital (leverage) ratio | 11.1767% | 2,139 |
| Tier 1 risk-based capital ratio | 12.5038% | 5,445 |
| Total risk-based capital ratio | 13.6909% | 5,478 |
| Memoranda: | ||
| Average total assets | $473,556,200 | 1,399 |
| Average earning assets | $437,389,000 | 1,389 |
| Average equity | $51,611,000 | 1,326 |
| Average total loans | $354,020,400 | 1,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 3,468 |
| Cost of funding earning assets | 1.0053% | 3,646 |
| Net interest margin | 3.9154% | 3,305 |
| Noninterest income to average assets | 0.1784% | 6,312 |
| Noninterest expense to average assets | 2.1467% | 6,413 |
| Loan and lease loss provision to assets | 0.4375% | 2,292 |
| Net operating income to assets | 0.8496% | 2,943 |
| Return on assets (ROA) | 0.8496% | 3,096 |
| Pretax return on assets | 1.2344% | 2,508 |
| Return on Equity (ROE) | 7.9363% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.2274% | 3,043 |
| Net charge-offs to loans | 0.5004% | 2,755 |
| Credit loss provision to net charge-offs | 116.5676% | 2,804 |
| Earnings coverage of net charge-offs (x) | 4.4547% | 3,068 |
| Efficiency ratio | 56.2176% | 6,247 |
| Assets per employee ($millions) | 5.2363% | 1,882 |
| Cash dividends to net income (ytd only)* | 34.1318% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 2,054 |
| Loan loss allowance to noncurrent loans | 102.2651% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 3.4215% | 1,846 |
| Noncurrent loans to loans | 2.0581% | 3,292 |
| Net loans and leases to total assets | 72.9963% | 1,509 |
| Net loans and leases to deposits | 88.1267% | 1,424 |
| Net loans and leases to core deposits | 98.3509% | 1,397 |
| Total domestic deposits to total assets | 82.8311% | 4,748 |
| Equity capital to assets | 11.3008% | 2,865 |
| Core capital (leverage) ratio | 10.8408% | 2,528 |
| Tier 1 risk-based capital ratio | 12.0905% | 5,829 |
| Total risk-based capital ratio | 13.2827% | 5,860 |
| Memoranda: | ||
| Average total assets | $478,186,500 | 1,397 |
| Average earning assets | $444,553,250 | 1,375 |
| Average equity | $51,190,000 | 1,338 |
| Average total loans | $358,633,000 | 1,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 3,591 |
| Cost of funding earning assets | 1.0519% | 3,588 |
| Net interest margin | 3.8543% | 3,514 |
| Noninterest income to average assets | 0.2090% | 6,167 |
| Noninterest expense to average assets | 2.1450% | 6,513 |
| Loan and lease loss provision to assets | 0.4450% | 2,209 |
| Net operating income to assets | 0.8170% | 3,001 |
| Return on assets (ROA) | 0.8170% | 3,122 |
| Pretax return on assets | 1.2023% | 2,472 |
| Return on Equity (ROE) | 7.7715% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.0376% | 2,986 |
| Net charge-offs to loans | 0.5360% | 2,488 |
| Credit loss provision to net charge-offs | 110.5046% | 2,774 |
| Earnings coverage of net charge-offs (x) | 4.0906% | 2,968 |
| Efficiency ratio | 56.5617% | 6,351 |
| Assets per employee ($millions) | 5.1291% | 1,955 |
| Cash dividends to net income (ytd only)* | 35.1777% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0257% | 2,297 |
| Loan loss allowance to noncurrent loans | 90.2849% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 4.0366% | 1,582 |
| Noncurrent loans to loans | 2.2436% | 3,167 |
| Net loans and leases to total assets | 72.9340% | 1,605 |
| Net loans and leases to deposits | 87.7761% | 1,533 |
| Net loans and leases to core deposits | 100.8117% | 1,269 |
| Total domestic deposits to total assets | 83.0910% | 4,716 |
| Equity capital to assets | 10.8431% | 3,138 |
| Core capital (leverage) ratio | 10.5588% | 2,652 |
| Tier 1 risk-based capital ratio | 11.5728% | 6,112 |
| Total risk-based capital ratio | 12.7541% | 6,149 |
| Memoranda: | ||
| Average total assets | $482,239,330 | 1,394 |
| Average earning assets | $448,335,330 | 1,366 |
| Average equity | $50,698,330 | 1,326 |
| Average total loans | $362,345,000 | 1,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 3,566 |
| Cost of funding earning assets | 1.1379% | 3,242 |
| Net interest margin | 3.7666% | 3,772 |
| Noninterest income to average assets | 0.2953% | 5,553 |
| Noninterest expense to average assets | 2.2275% | 6,365 |
| Loan and lease loss provision to assets | 0.3910% | 2,233 |
| Net operating income to assets | 0.8052% | 3,001 |
| Return on assets (ROA) | 0.8052% | 3,066 |
| Pretax return on assets | 1.1806% | 2,448 |
| Return on Equity (ROE) | 7.7790% | 3,015 |
| Retained earnings to average equity (ytd only) | 5.0133% | 3,188 |
| Net charge-offs to loans | 0.4503% | 2,350 |
| Credit loss provision to net charge-offs | 115.0485% | 2,344 |
| Earnings coverage of net charge-offs (x) | 4.6238% | 2,429 |
| Efficiency ratio | 58.6319% | 6,185 |
| Assets per employee ($millions) | 4.9602% | 2,224 |
| Cash dividends to net income (ytd only)* | 35.5533% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 2,449 |
| Loan loss allowance to noncurrent loans | 76.0957% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 4.1261% | 1,609 |
| Noncurrent loans to loans | 2.6135% | 2,886 |
| Net loans and leases to total assets | 72.5185% | 1,609 |
| Net loans and leases to deposits | 88.6384% | 1,394 |
| Net loans and leases to core deposits | 104.5310% | 1,027 |
| Total domestic deposits to total assets | 81.8139% | 5,386 |
| Equity capital to assets | 10.3939% | 3,289 |
| Core capital (leverage) ratio | 10.2529% | 2,861 |
| Tier 1 risk-based capital ratio | 11.4112% | 6,172 |
| Total risk-based capital ratio | 12.6079% | 6,194 |
| Memoranda: | ||
| Average total assets | $484,856,500 | 1,392 |
| Average earning assets | $451,012,000 | 1,374 |
| Average equity | $50,186,500 | 1,328 |
| Average total loans | $365,971,500 | 1,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 2,948 |
| Cost of funding earning assets | 1.3812% | 3,382 |
| Net interest margin | 3.9560% | 3,239 |
| Noninterest income to average assets | 0.3506% | 5,296 |
| Noninterest expense to average assets | 2.1194% | 6,800 |
| Loan and lease loss provision to assets | 0.4892% | 3,215 |
| Net operating income to assets | 0.9524% | 2,196 |
| Return on assets (ROA) | 0.9524% | 2,321 |
| Pretax return on assets | 1.4104% | 1,634 |
| Return on Equity (ROE) | 9.3287% | 2,167 |
| Retained earnings to average equity (ytd only) | 6.3300% | 1,649 |
| Net charge-offs to loans | 0.6333% | 3,124 |
| Credit loss provision to net charge-offs | 99.4459% | 4,651 |
| Earnings coverage of net charge-offs (x) | 3.8615% | 3,159 |
| Efficiency ratio | 52.7340% | 6,927 |
| Assets per employee ($millions) | 4.9348% | 2,237 |
| Cash dividends to net income (ytd only)* | 32.1444% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 2,549 |
| Loan loss allowance to noncurrent loans | 126.4444% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 3.3665% | 2,081 |
| Noncurrent loans to loans | 1.5064% | 4,219 |
| Net loans and leases to total assets | 75.5122% | 1,371 |
| Net loans and leases to deposits | 91.2370% | 1,365 |
| Net loans and leases to core deposits | 109.1871% | 973 |
| Total domestic deposits to total assets | 82.7649% | 4,898 |
| Equity capital to assets | 10.3074% | 3,382 |
| Core capital (leverage) ratio | 10.1988% | 2,864 |
| Tier 1 risk-based capital ratio | 11.2349% | 6,147 |
| Total risk-based capital ratio | 12.4499% | 6,157 |
| Memoranda: | ||
| Average total assets | $476,891,000 | 1,407 |
| Average earning assets | $442,213,800 | 1,381 |
| Average equity | $48,688,600 | 1,370 |
| Average total loans | $370,445,600 | 1,224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 3,093 |
| Cost of funding earning assets | 1.4325% | 3,377 |
| Net interest margin | 3.9226% | 3,438 |
| Noninterest income to average assets | 0.3025% | 5,730 |
| Noninterest expense to average assets | 2.1301% | 6,783 |
| Loan and lease loss provision to assets | 0.3100% | 4,099 |
| Net operating income to assets | 1.0056% | 2,216 |
| Return on assets (ROA) | 1.0056% | 2,333 |
| Pretax return on assets | 1.4971% | 1,630 |
| Return on Equity (ROE) | 9.8733% | 2,172 |
| Retained earnings to average equity (ytd only) | 6.8044% | 1,942 |
| Net charge-offs to loans | 0.3132% | 4,085 |
| Credit loss provision to net charge-offs | 127.1577% | 3,203 |
| Earnings coverage of net charge-offs (x) | 7.4120% | 2,338 |
| Efficiency ratio | 54.1010% | 6,783 |
| Assets per employee ($millions) | 5.0883% | 2,071 |
| Cash dividends to net income (ytd only)* | 31.0827% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,373 |
| Loan loss allowance to noncurrent loans | 146.5655% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 3.0853% | 2,346 |
| Noncurrent loans to loans | 1.3251% | 4,648 |
| Net loans and leases to total assets | 76.6678% | 1,290 |
| Net loans and leases to deposits | 96.2408% | 956 |
| Net loans and leases to core deposits | 118.7334% | 662 |
| Total domestic deposits to total assets | 79.6625% | 5,819 |
| Equity capital to assets | 10.3682% | 3,677 |
| Core capital (leverage) ratio | 10.2040% | 3,040 |
| Tier 1 risk-based capital ratio | 10.7779% | 6,563 |
| Total risk-based capital ratio | 11.9561% | 6,613 |
| Memoranda: | ||
| Average total assets | $475,210,750 | 1,427 |
| Average earning assets | $440,343,500 | 1,399 |
| Average equity | $48,398,750 | 1,391 |
| Average total loans | $369,987,750 | 1,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 3,439 |
| Cost of funding earning assets | 1.4828% | 3,352 |
| Net interest margin | 3.8240% | 3,792 |
| Noninterest income to average assets | 0.3022% | 5,738 |
| Noninterest expense to average assets | 2.1063% | 6,884 |
| Loan and lease loss provision to assets | 0.3086% | 3,915 |
| Net operating income to assets | 0.9583% | 2,338 |
| Return on assets (ROA) | 0.9583% | 2,422 |
| Pretax return on assets | 1.4244% | 1,768 |
| Return on Equity (ROE) | 9.4678% | 2,284 |
| Retained earnings to average equity (ytd only) | 6.2603% | 2,196 |
| Net charge-offs to loans | 0.2995% | 3,820 |
| Credit loss provision to net charge-offs | 132.5455% | 3,040 |
| Earnings coverage of net charge-offs (x) | 7.4436% | 2,297 |
| Efficiency ratio | 54.8622% | 6,778 |
| Assets per employee ($millions) | 5.0921% | 2,061 |
| Cash dividends to net income (ytd only)* | 33.8781% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9766% | 2,240 |
| Loan loss allowance to noncurrent loans | 146.2744% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 3.2226% | 2,191 |
| Noncurrent loans to loans | 1.3513% | 4,688 |
| Net loans and leases to total assets | 76.2657% | 1,434 |
| Net loans and leases to deposits | 91.6403% | 1,589 |
| Net loans and leases to core deposits | 115.1598% | 875 |
| Total domestic deposits to total assets | 83.2229% | 4,479 |
| Equity capital to assets | 10.3111% | 3,636 |
| Core capital (leverage) ratio | 10.1606% | 2,990 |
| Tier 1 risk-based capital ratio | 11.1917% | 6,047 |
| Total risk-based capital ratio | 12.4477% | 6,025 |
| Memoranda: | ||
| Average total assets | $472,483,670 | 1,443 |
| Average earning assets | $437,025,330 | 1,420 |
| Average equity | $47,825,330 | 1,398 |
| Average total loans | $367,335,000 | 1,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 3,446 |
| Cost of funding earning assets | 1.5455% | 3,298 |
| Net interest margin | 3.7746% | 3,898 |
| Noninterest income to average assets | 0.2585% | 6,086 |
| Noninterest expense to average assets | 2.1130% | 6,901 |
| Loan and lease loss provision to assets | 0.2678% | 3,880 |
| Net operating income to assets | 0.9120% | 2,499 |
| Return on assets (ROA) | 0.9120% | 2,567 |
| Pretax return on assets | 1.3637% | 1,867 |
| Return on Equity (ROE) | 9.0949% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.4603% | 2,892 |
| Net charge-offs to loans | 0.2225% | 3,600 |
| Credit loss provision to net charge-offs | 154.9020% | 2,309 |
| Earnings coverage of net charge-offs (x) | 9.4363% | 1,853 |
| Efficiency ratio | 56.4282% | 6,710 |
| Assets per employee ($millions) | 5.4014% | 1,762 |
| Cash dividends to net income (ytd only)* | 39.9628% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 2,221 |
| Loan loss allowance to noncurrent loans | 102.4418% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 3.4050% | 2,081 |
| Noncurrent loans to loans | 1.9395% | 3,876 |
| Net loans and leases to total assets | 76.6323% | 1,409 |
| Net loans and leases to deposits | 92.0664% | 1,605 |
| Net loans and leases to core deposits | 117.1690% | 897 |
| Total domestic deposits to total assets | 83.2359% | 4,506 |
| Equity capital to assets | 10.2702% | 3,509 |
| Core capital (leverage) ratio | 9.9649% | 3,208 |
| Tier 1 risk-based capital ratio | 11.1859% | 5,977 |
| Total risk-based capital ratio | 12.4421% | 5,926 |
| Memoranda: | ||
| Average total assets | $471,941,500 | 1,484 |
| Average earning assets | $435,856,500 | 1,464 |
| Average equity | $47,323,000 | 1,421 |
| Average total loans | $366,776,000 | 1,291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 4,455 |
| Cost of funding earning assets | 2.0268% | 2,834 |
| Net interest margin | 3.4194% | 5,297 |
| Noninterest income to average assets | 0.4218% | 5,039 |
| Noninterest expense to average assets | 2.1250% | 7,133 |
| Loan and lease loss provision to assets | 0.3039% | 4,998 |
| Net operating income to assets | 0.8534% | 2,338 |
| Return on assets (ROA) | 0.8534% | 2,416 |
| Pretax return on assets | 1.1891% | 1,984 |
| Return on Equity (ROE) | 8.9256% | 2,053 |
| Retained earnings to average equity (ytd only) | 4.6572% | 1,997 |
| Net charge-offs to loans | 0.3904% | 4,259 |
| Credit loss provision to net charge-offs | 99.3211% | 5,611 |
| Earnings coverage of net charge-offs (x) | 4.8798% | 2,773 |
| Efficiency ratio | 58.7347% | 6,656 |
| Assets per employee ($millions) | 5.7755% | 1,401 |
| Cash dividends to net income (ytd only)* | 47.8219% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 2,218 |
| Loan loss allowance to noncurrent loans | 131.9710% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 2.6124% | 2,691 |
| Noncurrent loans to loans | 1.4534% | 4,490 |
| Net loans and leases to total assets | 75.7797% | 1,859 |
| Net loans and leases to deposits | 94.8747% | 1,479 |
| Net loans and leases to core deposits | 131.5518% | 1,195 |
| Total domestic deposits to total assets | 79.8734% | 5,707 |
| Equity capital to assets | 9.7919% | 4,015 |
| Core capital (leverage) ratio | 9.7059% | 3,446 |
| Tier 1 risk-based capital ratio | 10.8940% | 6,015 |
| Total risk-based capital ratio | 12.1494% | 5,991 |
| Memoranda: | ||
| Average total assets | $481,466,800 | 1,435 |
| Average earning assets | $450,024,000 | 1,405 |
| Average equity | $46,036,200 | 1,463 |
| Average total loans | $377,316,800 | 1,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 5,091 |
| Cost of funding earning assets | 2.1067% | 2,859 |
| Net interest margin | 3.2637% | 5,781 |
| Noninterest income to average assets | 0.4445% | 4,937 |
| Noninterest expense to average assets | 2.0691% | 7,241 |
| Loan and lease loss provision to assets | 0.2520% | 4,933 |
| Net operating income to assets | 0.8600% | 2,575 |
| Return on assets (ROA) | 0.8600% | 2,641 |
| Pretax return on assets | 1.1853% | 2,313 |
| Return on Equity (ROE) | 9.0486% | 2,244 |
| Retained earnings to average equity (ytd only) | 4.5811% | 2,714 |
| Net charge-offs to loans | 0.3123% | 4,088 |
| Credit loss provision to net charge-offs | 102.5901% | 4,958 |
| Earnings coverage of net charge-offs (x) | 5.8514% | 2,717 |
| Efficiency ratio | 59.0092% | 6,568 |
| Assets per employee ($millions) | 5.7175% | 1,419 |
| Cash dividends to net income (ytd only)* | 49.3729% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 1,914 |
| Loan loss allowance to noncurrent loans | 216.9301% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3514% | 2,930 |
| Noncurrent loans to loans | 0.8966% | 5,487 |
| Net loans and leases to total assets | 74.9149% | 2,263 |
| Net loans and leases to deposits | 94.8209% | 1,744 |
| Net loans and leases to core deposits | 124.4977% | 1,858 |
| Total domestic deposits to total assets | 79.0068% | 5,800 |
| Equity capital to assets | 9.7621% | 4,406 |
| Core capital (leverage) ratio | 9.5080% | 3,900 |
| Tier 1 risk-based capital ratio | 10.9119% | 6,037 |
| Total risk-based capital ratio | 12.1677% | 5,993 |
| Memoranda: | ||
| Average total assets | $481,992,000 | 1,456 |
| Average earning assets | $452,197,500 | 1,413 |
| Average equity | $45,810,500 | 1,497 |
| Average total loans | $379,054,500 | 1,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 5,187 |
| Cost of funding earning assets | 2.1713% | 2,928 |
| Net interest margin | 3.2216% | 5,838 |
| Noninterest income to average assets | 0.4882% | 4,548 |
| Noninterest expense to average assets | 2.0549% | 7,366 |
| Loan and lease loss provision to assets | 0.2532% | 4,548 |
| Net operating income to assets | 0.8894% | 2,495 |
| Return on assets (ROA) | 0.8894% | 2,609 |
| Pretax return on assets | 1.2069% | 2,283 |
| Return on Equity (ROE) | 9.4429% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.5850% | 2,743 |
| Net charge-offs to loans | 0.2245% | 4,091 |
| Credit loss provision to net charge-offs | 142.0930% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.1930% | 2,298 |
| Efficiency ratio | 58.4601% | 6,777 |
| Assets per employee ($millions) | 5.5121% | 1,567 |
| Cash dividends to net income (ytd only)* | 51.4445% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 1,708 |
| Loan loss allowance to noncurrent loans | 110.0302% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 2.3993% | 2,703 |
| Noncurrent loans to loans | 1.7585% | 3,869 |
| Net loans and leases to total assets | 77.1005% | 1,931 |
| Net loans and leases to deposits | 96.5280% | 1,720 |
| Net loans and leases to core deposits | 127.8722% | 1,718 |
| Total domestic deposits to total assets | 79.8737% | 5,520 |
| Equity capital to assets | 9.5258% | 4,579 |
| Core capital (leverage) ratio | 9.3636% | 4,081 |
| Tier 1 risk-based capital ratio | 10.8079% | 6,073 |
| Total risk-based capital ratio | 12.0525% | 6,017 |
| Memoranda: | ||
| Average total assets | $482,564,670 | 1,467 |
| Average earning assets | $453,372,330 | 1,422 |
| Average equity | $45,452,330 | 1,515 |
| Average total loans | $383,094,670 | 1,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 5,293 |
| Cost of funding earning assets | 2.2724% | 2,826 |
| Net interest margin | 3.1523% | 6,007 |
| Noninterest income to average assets | 0.6528% | 3,181 |
| Noninterest expense to average assets | 1.9799% | 7,398 |
| Loan and lease loss provision to assets | 0.2562% | 3,917 |
| Net operating income to assets | 1.0593% | 2,108 |
| Return on assets (ROA) | 1.0593% | 2,238 |
| Pretax return on assets | 1.3800% | 2,028 |
| Return on Equity (ROE) | 11.3106% | 1,879 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,924 |
| Net charge-offs to loans | 0.0559% | 4,684 |
| Credit loss provision to net charge-offs | 574.0741% | 987 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 913 |
| Efficiency ratio | 54.7532% | 7,138 |
| Assets per employee ($millions) | 5.5504% | 1,517 |
| Cash dividends to net income (ytd only)* | 52.4961% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 1,539 |
| Loan loss allowance to noncurrent loans | 116.7617% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 3,303 |
| Noncurrent loans to loans | 1.6617% | 3,779 |
| Net loans and leases to total assets | 77.1390% | 2,009 |
| Net loans and leases to deposits | 96.4868% | 1,873 |
| Net loans and leases to core deposits | 126.6290% | 1,878 |
| Total domestic deposits to total assets | 79.9478% | 5,390 |
| Equity capital to assets | 9.4242% | 4,777 |
| Core capital (leverage) ratio | 9.1933% | 4,415 |
| Tier 1 risk-based capital ratio | 10.6357% | 6,251 |
| Total risk-based capital ratio | 11.8921% | 6,165 |
| Memoranda: | ||
| Average total assets | $484,071,500 | 1,465 |
| Average earning assets | $455,032,000 | 1,420 |
| Average equity | $45,338,000 | 1,519 |
| Average total loans | $386,126,500 | 1,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 5,535 |
| Cost of funding earning assets | 2.7379% | 2,983 |
| Net interest margin | 3.2645% | 6,164 |
| Noninterest income to average assets | 0.3168% | 6,187 |
| Noninterest expense to average assets | 2.0412% | 7,368 |
| Loan and lease loss provision to assets | 0.1837% | 5,059 |
| Net operating income to assets | 0.8128% | 3,383 |
| Return on assets (ROA) | 0.8128% | 3,221 |
| Pretax return on assets | 1.1673% | 2,777 |
| Return on Equity (ROE) | 8.8303% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.3943% | 3,037 |
| Net charge-offs to loans | 0.2901% | 3,467 |
| Credit loss provision to net charge-offs | 78.6294% | 5,932 |
| Earnings coverage of net charge-offs (x) | 5.7827% | 3,537 |
| Efficiency ratio | 60.1726% | 6,303 |
| Assets per employee ($millions) | 5.5143% | 1,448 |
| Cash dividends to net income (ytd only)* | 61.5604% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8130% | 1,601 |
| Loan loss allowance to noncurrent loans | 174.3627% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 3,716 |
| Noncurrent loans to loans | 1.0398% | 4,505 |
| Net loans and leases to total assets | 79.3962% | 1,803 |
| Net loans and leases to deposits | 103.7906% | 1,364 |
| Net loans and leases to core deposits | 133.2737% | 1,635 |
| Total domestic deposits to total assets | 76.4965% | 6,123 |
| Equity capital to assets | 9.3080% | 4,927 |
| Core capital (leverage) ratio | 9.1897% | 4,458 |
| Tier 1 risk-based capital ratio | 10.0771% | 6,650 |
| Total risk-based capital ratio | 11.3318% | 6,524 |
| Memoranda: | ||
| Average total assets | $474,677,000 | 1,455 |
| Average earning assets | $447,172,600 | 1,391 |
| Average equity | $43,690,400 | 1,542 |
| Average total loans | $382,284,200 | 1,267 |