Home > Diamond Bank > Performance and Condition Ratios
Diamond Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 2,104 |
| Cost of funding earning assets | 1.8841% | 1,099 |
| Net interest margin | 3.0983% | 3,100 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.5048% | 2,282 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0114% | 2,180 |
| Return on assets (ROA) | 1.0150% | 2,152 |
| Pretax return on assets | 1.0150% | 2,637 |
| Return on Equity (ROE) | 13.1100% | 1,698 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,105 |
| Net charge-offs to loans | -0.0082% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.9669% | 1,761 |
| Assets per employee ($millions) | 5.1658% | 3,507 |
| Cash dividends to net income (ytd only)* | 72.9451% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,238 |
| Loan loss allowance to noncurrent loans | 246.0250% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 1,461 |
| Noncurrent loans to loans | 0.4919% | 1,557 |
| Net loans and leases to total assets | 75.8600% | 1,136 |
| Net loans and leases to deposits | 82.9849% | 1,865 |
| Net loans and leases to core deposits | 91.3432% | 1,961 |
| Total domestic deposits to total assets | 91.4200% | 409 |
| Equity capital to assets | 8.0319% | 3,392 |
| Core capital (leverage) ratio | 9.9988% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7596% | 1,326 |
| Memoranda: | ||
| Average total assets | $793,463,200 | 1,195 |
| Average earning assets | $741,564,600 | 1,180 |
| Average equity | $61,430,000 | 1,371 |
| Average total loans | $607,575,200 | 1,083 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 2,094 |
| Cost of funding earning assets | 1.7371% | 1,116 |
| Net interest margin | 3.1482% | 3,030 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.5220% | 2,157 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0655% | 2,166 |
| Return on assets (ROA) | 1.0704% | 2,132 |
| Pretax return on assets | 1.0704% | 2,652 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.0489% | 2,918 |
| Net charge-offs to loans | -0.0201% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9513% | 1,789 |
| Assets per employee ($millions) | 5.0617% | 3,561 |
| Cash dividends to net income (ytd only)* | 63.8298% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,167 |
| Loan loss allowance to noncurrent loans | 241.2500% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,461 |
| Noncurrent loans to loans | 0.5141% | 1,534 |
| Net loans and leases to total assets | 75.9000% | 1,136 |
| Net loans and leases to deposits | 82.6420% | 1,859 |
| Net loans and leases to core deposits | 90.7974% | 1,870 |
| Total domestic deposits to total assets | 91.8400% | 486 |
| Equity capital to assets | 7.4995% | 3,352 |
| Core capital (leverage) ratio | 10.0333% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2209% | 1,263 |
| Memoranda: | ||
| Average total assets | $790,363,000 | 1,195 |
| Average earning assets | $738,603,750 | 1,179 |
| Average equity | $60,606,000 | 1,371 |
| Average total loans | $604,756,000 | 1,083 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 2,142 |
| Cost of funding earning assets | 1.5433% | 1,170 |
| Net interest margin | 3.1883% | 3,019 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.4988% | 2,209 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1634% | 1,939 |
| Return on assets (ROA) | 1.1707% | 1,901 |
| Pretax return on assets | 1.1707% | 2,441 |
| Return on Equity (ROE) | 15.1600% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.0042% | 2,937 |
| Net charge-offs to loans | -0.0420% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.8062% | 2,003 |
| Assets per employee ($millions) | 5.0597% | 3,550 |
| Cash dividends to net income (ytd only)* | 66.9836% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,090 |
| Loan loss allowance to noncurrent loans | 194.7623% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 1,043 |
| Noncurrent loans to loans | 0.6503% | 1,149 |
| Net loans and leases to total assets | 75.1700% | 1,143 |
| Net loans and leases to deposits | 82.4379% | 1,799 |
| Net loans and leases to core deposits | 91.4322% | 1,716 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 7.6464% | 3,437 |
| Core capital (leverage) ratio | 9.9755% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1131% | 1,296 |
| Memoranda: | ||
| Average total assets | $790,608,000 | 1,191 |
| Average earning assets | $739,445,667 | 1,180 |
| Average equity | $61,068,667 | 1,369 |
| Average total loans | $604,061,333 | 1,076 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 2,086 |
| Cost of funding earning assets | 1.3276% | 1,175 |
| Net interest margin | 3.2721% | 2,944 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.4830% | 2,292 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4013% | 1,404 |
| Return on assets (ROA) | 1.4013% | 1,383 |
| Pretax return on assets | 1.4013% | 1,877 |
| Return on Equity (ROE) | 18.0500% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,498 |
| Net charge-offs to loans | -0.2339% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5432% | 2,517 |
| Assets per employee ($millions) | 5.2191% | 3,489 |
| Cash dividends to net income (ytd only)* | 83.2429% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,084 |
| Loan loss allowance to noncurrent loans | 285.3348% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 1,458 |
| Noncurrent loans to loans | 0.4518% | 1,591 |
| Net loans and leases to total assets | 75.6800% | 1,002 |
| Net loans and leases to deposits | 83.1679% | 1,560 |
| Net loans and leases to core deposits | 92.0230% | 1,502 |
| Total domestic deposits to total assets | 91.0000% | 802 |
| Equity capital to assets | 7.8818% | 3,321 |
| Core capital (leverage) ratio | 10.0088% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7048% | 1,440 |
| Memoranda: | ||
| Average total assets | $788,722,500 | 1,210 |
| Average earning assets | $737,262,500 | 1,192 |
| Average equity | $61,232,500 | 1,378 |
| Average total loans | $603,708,500 | 1,085 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 1,015 |
| Cost of funding earning assets | 0.6503% | 712 |
| Net interest margin | 3.6724% | 1,448 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.4673% | 2,214 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4870% | 910 |
| Return on assets (ROA) | 1.4872% | 873 |
| Pretax return on assets | 1.4872% | 1,494 |
| Return on Equity (ROE) | 17.8400% | 728 |
| Retained earnings to average equity (ytd only) | 6.9011% | 2,283 |
| Net charge-offs to loans | 0.0112% | 1,960 |
| Credit loss provision to net charge-offs | 1,031.7460% | 417 |
| Earnings coverage of net charge-offs (x) | 190.1905% | 671 |
| Efficiency ratio | 61.0784% | 2,898 |
| Assets per employee ($millions) | 5.1589% | 3,551 |
| Cash dividends to net income (ytd only)* | 61.3199% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,187 |
| Loan loss allowance to noncurrent loans | 248.8131% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,319 |
| Noncurrent loans to loans | 0.4992% | 1,448 |
| Net loans and leases to total assets | 75.4600% | 1,067 |
| Net loans and leases to deposits | 82.6503% | 1,566 |
| Net loans and leases to core deposits | 91.5283% | 1,422 |
| Total domestic deposits to total assets | 91.3000% | 839 |
| Equity capital to assets | 7.6438% | 3,296 |
| Core capital (leverage) ratio | 9.9994% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8388% | 1,405 |
| Memoranda: | ||
| Average total assets | $762,079,200 | 1,226 |
| Average earning assets | $712,891,000 | 1,215 |
| Average equity | $63,526,000 | 1,338 |
| Average total loans | $563,155,200 | 1,086 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 799 |
| Cost of funding earning assets | 0.5614% | 545 |
| Net interest margin | 3.6904% | 1,163 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.4630% | 2,116 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5228% | 800 |
| Return on assets (ROA) | 1.5232% | 777 |
| Pretax return on assets | 1.5232% | 1,346 |
| Return on Equity (ROE) | 17.8900% | 656 |
| Retained earnings to average equity (ytd only) | 6.0909% | 2,720 |
| Net charge-offs to loans | 0.0055% | 1,968 |
| Credit loss provision to net charge-offs | 2,173.9130% | 238 |
| Earnings coverage of net charge-offs (x) | 397.4348% | 387 |
| Efficiency ratio | 60.4577% | 3,058 |
| Assets per employee ($millions) | 5.1054% | 3,587 |
| Cash dividends to net income (ytd only)* | 65.9493% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,219 |
| Loan loss allowance to noncurrent loans | 277.6221% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 1,558 |
| Noncurrent loans to loans | 0.4535% | 1,677 |
| Net loans and leases to total assets | 75.5900% | 952 |
| Net loans and leases to deposits | 82.9814% | 1,364 |
| Net loans and leases to core deposits | 90.7068% | 1,257 |
| Total domestic deposits to total assets | 91.0900% | 1,207 |
| Equity capital to assets | 7.0685% | 3,475 |
| Core capital (leverage) ratio | 9.9894% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0130% | 1,423 |
| Memoranda: | ||
| Average total assets | $756,562,250 | 1,241 |
| Average earning assets | $707,799,500 | 1,230 |
| Average equity | $64,422,750 | 1,342 |
| Average total loans | $554,149,000 | 1,092 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 660 |
| Cost of funding earning assets | 0.5231% | 452 |
| Net interest margin | 3.6577% | 981 |
| Noninterest income to average assets | 0.6377% | 1,589 |
| Noninterest expense to average assets | 2.4309% | 2,144 |
| Loan and lease loss provision to assets | 0.0927% | 1,070 |
| Net operating income to assets | 1.5361% | 643 |
| Return on assets (ROA) | 1.5361% | 625 |
| Pretax return on assets | 1.5361% | 1,083 |
| Return on Equity (ROE) | 17.0655% | 561 |
| Retained earnings to average equity (ytd only) | 3.2366% | 3,375 |
| Net charge-offs to loans | -0.0121% | 3,656 |
| Credit loss provision to net charge-offs | -1,060.6061% | 3,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8800% | 3,313 |
| Assets per employee ($millions) | 4.9435% | 3,723 |
| Cash dividends to net income (ytd only)* | 81.0345% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,193 |
| Loan loss allowance to noncurrent loans | 373.0928% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 2,032 |
| Noncurrent loans to loans | 0.3485% | 2,107 |
| Net loans and leases to total assets | 72.6516% | 1,042 |
| Net loans and leases to deposits | 80.2700% | 1,368 |
| Net loans and leases to core deposits | 86.6740% | 1,287 |
| Total domestic deposits to total assets | 90.5090% | 1,457 |
| Equity capital to assets | 7.7201% | 3,332 |
| Core capital (leverage) ratio | 9.9760% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1841% | 1,395 |
| Memoranda: | ||
| Average total assets | $755,180,000 | 1,244 |
| Average earning assets | $706,505,667 | 1,242 |
| Average equity | $67,973,333 | 1,319 |
| Average total loans | $544,747,667 | 1,101 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 586 |
| Cost of funding earning assets | 0.5359% | 403 |
| Net interest margin | 3.6054% | 886 |
| Noninterest income to average assets | 0.6128% | 1,637 |
| Noninterest expense to average assets | 2.4013% | 2,155 |
| Loan and lease loss provision to assets | 0.1060% | 792 |
| Net operating income to assets | 1.4795% | 663 |
| Return on assets (ROA) | 1.4795% | 655 |
| Pretax return on assets | 1.4795% | 1,053 |
| Return on Equity (ROE) | 15.3428% | 604 |
| Retained earnings to average equity (ytd only) | 0.5002% | 3,919 |
| Net charge-offs to loans | 0.0067% | 1,513 |
| Credit loss provision to net charge-offs | 2,222.2222% | 196 |
| Earnings coverage of net charge-offs (x) | 332.3333% | 295 |
| Efficiency ratio | 60.2314% | 3,461 |
| Assets per employee ($millions) | 4.9296% | 3,812 |
| Cash dividends to net income (ytd only)* | 96.7395% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,302 |
| Loan loss allowance to noncurrent loans | 335.0452% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,967 |
| Noncurrent loans to loans | 0.3912% | 2,084 |
| Net loans and leases to total assets | 70.7972% | 944 |
| Net loans and leases to deposits | 79.2656% | 1,195 |
| Net loans and leases to core deposits | 85.8282% | 1,140 |
| Total domestic deposits to total assets | 89.3165% | 1,916 |
| Equity capital to assets | 8.9110% | 2,794 |
| Core capital (leverage) ratio | 9.9804% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6107% | 1,362 |
| Memoranda: | ||
| Average total assets | $754,590,500 | 1,251 |
| Average earning assets | $706,164,000 | 1,251 |
| Average equity | $72,764,000 | 1,292 |
| Average total loans | $538,749,000 | 1,101 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 732 |
| Cost of funding earning assets | 0.6834% | 348 |
| Net interest margin | 3.7041% | 1,202 |
| Noninterest income to average assets | 0.5558% | 2,337 |
| Noninterest expense to average assets | 2.4193% | 2,429 |
| Loan and lease loss provision to assets | 0.1274% | 960 |
| Net operating income to assets | 1.4845% | 1,049 |
| Return on assets (ROA) | 1.5049% | 1,049 |
| Pretax return on assets | 1.5049% | 1,707 |
| Return on Equity (ROE) | 14.4859% | 1,068 |
| Retained earnings to average equity (ytd only) | 8.0085% | 1,540 |
| Net charge-offs to loans | 0.1237% | 732 |
| Credit loss provision to net charge-offs | 144.3760% | 1,518 |
| Earnings coverage of net charge-offs (x) | 18.2696% | 1,913 |
| Efficiency ratio | 60.0142% | 3,146 |
| Assets per employee ($millions) | 4.8093% | 3,878 |
| Cash dividends to net income (ytd only)* | 44.7154% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,504 |
| Loan loss allowance to noncurrent loans | 327.6769% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 1,925 |
| Noncurrent loans to loans | 0.3874% | 2,194 |
| Net loans and leases to total assets | 70.1575% | 1,027 |
| Net loans and leases to deposits | 79.7944% | 1,236 |
| Net loans and leases to core deposits | 86.7147% | 1,158 |
| Total domestic deposits to total assets | 87.9228% | 2,088 |
| Equity capital to assets | 10.3645% | 2,307 |
| Core capital (leverage) ratio | 9.9432% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6325% | 1,354 |
| Memoranda: | ||
| Average total assets | $735,578,200 | 1,241 |
| Average earning assets | $690,188,000 | 1,234 |
| Average equity | $76,419,200 | 1,255 |
| Average total loans | $524,544,200 | 1,122 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 847 |
| Cost of funding earning assets | 0.7099% | 361 |
| Net interest margin | 3.6653% | 1,417 |
| Noninterest income to average assets | 0.5456% | 2,430 |
| Noninterest expense to average assets | 2.3800% | 2,503 |
| Loan and lease loss provision to assets | 0.1712% | 634 |
| Net operating income to assets | 1.4338% | 1,434 |
| Return on assets (ROA) | 1.4607% | 1,418 |
| Pretax return on assets | 1.4607% | 2,106 |
| Return on Equity (ROE) | 14.0513% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.4581% | 2,246 |
| Net charge-offs to loans | 0.1657% | 512 |
| Credit loss provision to net charge-offs | 144.8223% | 1,374 |
| Earnings coverage of net charge-offs (x) | 13.5734% | 1,919 |
| Efficiency ratio | 59.7230% | 3,022 |
| Assets per employee ($millions) | 4.7678% | 3,915 |
| Cash dividends to net income (ytd only)* | 46.9219% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,629 |
| Loan loss allowance to noncurrent loans | 299.6941% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 1,998 |
| Noncurrent loans to loans | 0.4241% | 2,295 |
| Net loans and leases to total assets | 71.1634% | 965 |
| Net loans and leases to deposits | 81.1245% | 1,180 |
| Net loans and leases to core deposits | 88.5157% | 1,123 |
| Total domestic deposits to total assets | 87.7213% | 1,994 |
| Equity capital to assets | 10.3558% | 2,564 |
| Core capital (leverage) ratio | 9.9894% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4489% | 1,503 |
| Memoranda: | ||
| Average total assets | $729,504,000 | 1,262 |
| Average earning assets | $684,556,000 | 1,266 |
| Average equity | $75,834,750 | 1,281 |
| Average total loans | $520,689,250 | 1,147 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 1,006 |
| Cost of funding earning assets | 0.7394% | 382 |
| Net interest margin | 3.5623% | 1,680 |
| Noninterest income to average assets | 0.5457% | 2,423 |
| Noninterest expense to average assets | 2.3433% | 2,636 |
| Loan and lease loss provision to assets | 0.2591% | 374 |
| Net operating income to assets | 1.2863% | 1,903 |
| Return on assets (ROA) | 1.2896% | 1,969 |
| Pretax return on assets | 1.2896% | 2,662 |
| Return on Equity (ROE) | 12.3894% | 1,916 |
| Retained earnings to average equity (ytd only) | 8.0054% | 2,068 |
| Net charge-offs to loans | 0.0851% | 831 |
| Credit loss provision to net charge-offs | 427.8539% | 734 |
| Earnings coverage of net charge-offs (x) | 25.5160% | 1,403 |
| Efficiency ratio | 60.2589% | 2,984 |
| Assets per employee ($millions) | 4.7172% | 3,912 |
| Cash dividends to net income (ytd only)* | 35.3849% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,049 |
| Loan loss allowance to noncurrent loans | 302.6589% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 2,057 |
| Noncurrent loans to loans | 0.4569% | 2,307 |
| Net loans and leases to total assets | 71.0610% | 1,073 |
| Net loans and leases to deposits | 81.2105% | 1,302 |
| Net loans and leases to core deposits | 87.7835% | 1,282 |
| Total domestic deposits to total assets | 87.5023% | 2,092 |
| Equity capital to assets | 10.5026% | 2,389 |
| Core capital (leverage) ratio | 9.8957% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5102% | 1,468 |
| Memoranda: | ||
| Average total assets | $723,159,000 | 1,260 |
| Average earning assets | $678,672,000 | 1,261 |
| Average equity | $75,274,000 | 1,281 |
| Average total loans | $514,404,667 | 1,158 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 992 |
| Cost of funding earning assets | 0.7642% | 423 |
| Net interest margin | 3.5692% | 1,664 |
| Noninterest income to average assets | 0.5017% | 2,607 |
| Noninterest expense to average assets | 2.2777% | 2,857 |
| Loan and lease loss provision to assets | 0.3315% | 260 |
| Net operating income to assets | 1.2465% | 1,989 |
| Return on assets (ROA) | 1.2465% | 2,069 |
| Pretax return on assets | 1.2465% | 2,709 |
| Return on Equity (ROE) | 12.0298% | 2,002 |
| Retained earnings to average equity (ytd only) | 7.7354% | 2,342 |
| Net charge-offs to loans | 0.0795% | 805 |
| Credit loss provision to net charge-offs | 590.0990% | 561 |
| Earnings coverage of net charge-offs (x) | 28.0891% | 1,122 |
| Efficiency ratio | 59.0739% | 3,151 |
| Assets per employee ($millions) | 4.7958% | 3,850 |
| Cash dividends to net income (ytd only)* | 35.6983% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,062 |
| Loan loss allowance to noncurrent loans | 255.1301% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,120 |
| Noncurrent loans to loans | 0.5401% | 2,238 |
| Net loans and leases to total assets | 68.8817% | 1,418 |
| Net loans and leases to deposits | 78.2644% | 1,694 |
| Net loans and leases to core deposits | 84.7925% | 1,606 |
| Total domestic deposits to total assets | 88.0116% | 1,835 |
| Equity capital to assets | 10.1073% | 2,607 |
| Core capital (leverage) ratio | 9.9726% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7795% | 1,362 |
| Memoranda: | ||
| Average total assets | $719,152,000 | 1,256 |
| Average earning assets | $675,777,500 | 1,249 |
| Average equity | $74,515,000 | 1,284 |
| Average total loans | $508,175,000 | 1,169 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,000 |
| Cost of funding earning assets | 1.0742% | 446 |
| Net interest margin | 3.5728% | 2,241 |
| Noninterest income to average assets | 0.5422% | 2,457 |
| Noninterest expense to average assets | 2.4181% | 3,089 |
| Loan and lease loss provision to assets | 0.3322% | 1,076 |
| Net operating income to assets | 1.1440% | 1,747 |
| Return on assets (ROA) | 1.2291% | 1,558 |
| Pretax return on assets | 1.2291% | 2,229 |
| Return on Equity (ROE) | 11.7066% | 1,409 |
| Retained earnings to average equity (ytd only) | 6.7534% | 1,485 |
| Net charge-offs to loans | 0.1043% | 1,424 |
| Credit loss provision to net charge-offs | 441.8972% | 1,345 |
| Earnings coverage of net charge-offs (x) | 19.6344% | 1,970 |
| Efficiency ratio | 62.0932% | 3,112 |
| Assets per employee ($millions) | 4.6659% | 3,745 |
| Cash dividends to net income (ytd only)* | 42.3114% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,392 |
| Loan loss allowance to noncurrent loans | 246.4165% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 2,131 |
| Noncurrent loans to loans | 0.5289% | 2,392 |
| Net loans and leases to total assets | 70.5839% | 1,484 |
| Net loans and leases to deposits | 80.6134% | 1,802 |
| Net loans and leases to core deposits | 87.6106% | 1,733 |
| Total domestic deposits to total assets | 87.5585% | 1,680 |
| Equity capital to assets | 10.6263% | 2,571 |
| Core capital (leverage) ratio | 10.0023% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5802% | 1,385 |
| Memoranda: | ||
| Average total assets | $673,013,200 | 1,214 |
| Average earning assets | $631,442,200 | 1,211 |
| Average equity | $70,661,000 | 1,287 |
| Average total loans | $485,214,600 | 1,171 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 1,023 |
| Cost of funding earning assets | 1.1351% | 464 |
| Net interest margin | 3.5829% | 2,331 |
| Noninterest income to average assets | 0.5388% | 2,431 |
| Noninterest expense to average assets | 2.4480% | 2,996 |
| Loan and lease loss provision to assets | 0.3205% | 1,236 |
| Net operating income to assets | 1.1290% | 1,884 |
| Return on assets (ROA) | 1.1995% | 1,764 |
| Pretax return on assets | 1.1995% | 2,392 |
| Return on Equity (ROE) | 11.4618% | 1,526 |
| Retained earnings to average equity (ytd only) | 6.6733% | 1,822 |
| Net charge-offs to loans | 0.1138% | 1,214 |
| Credit loss provision to net charge-offs | 390.0000% | 1,490 |
| Earnings coverage of net charge-offs (x) | 17.6366% | 2,002 |
| Efficiency ratio | 62.8092% | 2,940 |
| Assets per employee ($millions) | 4.4842% | 3,865 |
| Cash dividends to net income (ytd only)* | 41.7781% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,565 |
| Loan loss allowance to noncurrent loans | 232.2158% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,256 |
| Noncurrent loans to loans | 0.5246% | 2,487 |
| Net loans and leases to total assets | 71.2144% | 1,784 |
| Net loans and leases to deposits | 81.5726% | 2,141 |
| Net loans and leases to core deposits | 89.0987% | 2,054 |
| Total domestic deposits to total assets | 87.3019% | 1,542 |
| Equity capital to assets | 10.6744% | 2,646 |
| Core capital (leverage) ratio | 9.9989% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6148% | 1,347 |
| Memoranda: | ||
| Average total assets | $665,130,000 | 1,210 |
| Average earning assets | $623,506,750 | 1,208 |
| Average equity | $69,609,500 | 1,292 |
| Average total loans | $480,552,500 | 1,173 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,221 |
| Cost of funding earning assets | 1.2032% | 497 |
| Net interest margin | 3.5756% | 2,560 |
| Noninterest income to average assets | 0.5315% | 2,431 |
| Noninterest expense to average assets | 2.4527% | 3,094 |
| Loan and lease loss provision to assets | 0.3160% | 1,352 |
| Net operating income to assets | 1.1177% | 1,908 |
| Return on assets (ROA) | 1.1435% | 1,956 |
| Pretax return on assets | 1.1435% | 2,570 |
| Return on Equity (ROE) | 11.0028% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.8859% | 2,129 |
| Net charge-offs to loans | 0.1980% | 777 |
| Credit loss provision to net charge-offs | 220.8068% | 1,840 |
| Earnings coverage of net charge-offs (x) | 10.0170% | 2,181 |
| Efficiency ratio | 63.1089% | 2,940 |
| Assets per employee ($millions) | 4.6601% | 3,584 |
| Cash dividends to net income (ytd only)* | 46.5054% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,028 |
| Loan loss allowance to noncurrent loans | 168.2540% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 2,098 |
| Noncurrent loans to loans | 0.6562% | 2,222 |
| Net loans and leases to total assets | 70.6840% | 1,928 |
| Net loans and leases to deposits | 81.1754% | 2,295 |
| Net loans and leases to core deposits | 88.9407% | 2,163 |
| Total domestic deposits to total assets | 87.0756% | 1,585 |
| Equity capital to assets | 10.5233% | 2,730 |
| Core capital (leverage) ratio | 9.9148% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0467% | 1,477 |
| Memoranda: | ||
| Average total assets | $658,144,333 | 1,201 |
| Average earning assets | $617,515,333 | 1,194 |
| Average equity | $68,400,667 | 1,294 |
| Average total loans | $475,863,667 | 1,165 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 1,209 |
| Cost of funding earning assets | 1.2974% | 571 |
| Net interest margin | 3.5963% | 2,675 |
| Noninterest income to average assets | 0.5572% | 2,239 |
| Noninterest expense to average assets | 2.5593% | 3,102 |
| Loan and lease loss provision to assets | 0.3177% | 975 |
| Net operating income to assets | 1.0597% | 1,971 |
| Return on assets (ROA) | 1.0616% | 2,068 |
| Pretax return on assets | 1.0616% | 2,632 |
| Return on Equity (ROE) | 10.2830% | 1,650 |
| Retained earnings to average equity (ytd only) | 4.2731% | 2,582 |
| Net charge-offs to loans | 0.3207% | 455 |
| Credit loss provision to net charge-offs | 136.1702% | 1,639 |
| Earnings coverage of net charge-offs (x) | 5.9043% | 2,017 |
| Efficiency ratio | 65.0118% | 3,085 |
| Assets per employee ($millions) | 4.3430% | 3,486 |
| Cash dividends to net income (ytd only)* | 58.4454% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,479 |
| Loan loss allowance to noncurrent loans | 141.5599% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 2,105 |
| Noncurrent loans to loans | 0.7365% | 2,160 |
| Net loans and leases to total assets | 72.9454% | 1,785 |
| Net loans and leases to deposits | 83.4320% | 2,289 |
| Net loans and leases to core deposits | 92.4947% | 2,111 |
| Total domestic deposits to total assets | 87.4310% | 1,366 |
| Equity capital to assets | 10.1558% | 3,643 |
| Core capital (leverage) ratio | 10.0491% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7340% | 1,675 |
| Memoranda: | ||
| Average total assets | $644,697,000 | 1,195 |
| Average earning assets | $605,850,000 | 1,175 |
| Average equity | $66,556,500 | 1,318 |
| Average total loans | $468,986,000 | 1,150 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 1,729 |
| Cost of funding earning assets | 1.3400% | 682 |
| Net interest margin | 3.5686% | 3,232 |
| Noninterest income to average assets | 0.6133% | 2,164 |
| Noninterest expense to average assets | 2.6133% | 3,140 |
| Loan and lease loss provision to assets | 0.1066% | 1,951 |
| Net operating income to assets | 1.2476% | 1,877 |
| Return on assets (ROA) | 1.2506% | 1,958 |
| Pretax return on assets | 1.2506% | 2,667 |
| Return on Equity (ROE) | 12.3091% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.7659% | 1,496 |
| Net charge-offs to loans | 0.1526% | 1,301 |
| Credit loss provision to net charge-offs | 98.2456% | 2,533 |
| Earnings coverage of net charge-offs (x) | 12.4795% | 2,414 |
| Efficiency ratio | 65.8669% | 2,793 |
| Assets per employee ($millions) | 4.3398% | 3,451 |
| Cash dividends to net income (ytd only)* | 45.0336% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,218 |
| Loan loss allowance to noncurrent loans | 130.1668% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 1,903 |
| Noncurrent loans to loans | 0.8061% | 1,898 |
| Net loans and leases to total assets | 71.0161% | 2,245 |
| Net loans and leases to deposits | 81.9407% | 2,565 |
| Net loans and leases to core deposits | 90.6678% | 2,359 |
| Total domestic deposits to total assets | 86.6677% | 1,771 |
| Equity capital to assets | 10.4928% | 3,452 |
| Core capital (leverage) ratio | 9.9347% | 3,588 |
| Tier 1 risk-based capital ratio | 14.9256% | 2,810 |
| Total risk-based capital ratio | 16.0457% | 2,796 |
| Memoranda: | ||
| Average total assets | $630,323,000 | 1,181 |
| Average earning assets | $592,451,600 | 1,170 |
| Average equity | $64,042,200 | 1,317 |
| Average total loans | $448,281,800 | 1,164 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 1,867 |
| Cost of funding earning assets | 1.3257% | 727 |
| Net interest margin | 3.5561% | 3,382 |
| Noninterest income to average assets | 0.6102% | 2,155 |
| Noninterest expense to average assets | 2.5655% | 3,256 |
| Loan and lease loss provision to assets | 0.1071% | 1,808 |
| Net operating income to assets | 1.2778% | 1,926 |
| Return on assets (ROA) | 1.2814% | 2,000 |
| Pretax return on assets | 1.2814% | 2,724 |
| Return on Equity (ROE) | 12.7182% | 1,381 |
| Retained earnings to average equity (ytd only) | 7.3390% | 1,699 |
| Net charge-offs to loans | 0.1956% | 887 |
| Credit loss provision to net charge-offs | 77.1822% | 2,539 |
| Earnings coverage of net charge-offs (x) | 9.9786% | 2,533 |
| Efficiency ratio | 64.9432% | 2,874 |
| Assets per employee ($millions) | 4.2618% | 3,533 |
| Cash dividends to net income (ytd only)* | 42.2956% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,441 |
| Loan loss allowance to noncurrent loans | 133.1445% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,192 |
| Noncurrent loans to loans | 0.7684% | 2,050 |
| Net loans and leases to total assets | 71.1244% | 2,304 |
| Net loans and leases to deposits | 82.1334% | 2,672 |
| Net loans and leases to core deposits | 91.4870% | 2,419 |
| Total domestic deposits to total assets | 86.5963% | 1,725 |
| Equity capital to assets | 10.4297% | 3,614 |
| Core capital (leverage) ratio | 10.0294% | 3,614 |
| Tier 1 risk-based capital ratio | 14.9233% | 2,885 |
| Total risk-based capital ratio | 16.0260% | 2,890 |
| Memoranda: | ||
| Average total assets | $627,331,750 | 1,186 |
| Average earning assets | $589,237,250 | 1,172 |
| Average equity | $63,204,250 | 1,323 |
| Average total loans | $445,111,000 | 1,176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 1,914 |
| Cost of funding earning assets | 1.2958% | 751 |
| Net interest margin | 3.5512% | 3,430 |
| Noninterest income to average assets | 0.5987% | 2,160 |
| Noninterest expense to average assets | 2.5799% | 3,246 |
| Loan and lease loss provision to assets | 0.1078% | 1,743 |
| Net operating income to assets | 1.2471% | 1,972 |
| Return on assets (ROA) | 1.2500% | 2,014 |
| Pretax return on assets | 1.2500% | 2,749 |
| Return on Equity (ROE) | 12.5580% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.9794% | 763 |
| Net charge-offs to loans | 0.2661% | 629 |
| Credit loss provision to net charge-offs | 57.3379% | 2,423 |
| Earnings coverage of net charge-offs (x) | 7.2065% | 2,509 |
| Efficiency ratio | 65.5659% | 2,878 |
| Assets per employee ($millions) | 4.2394% | 3,511 |
| Cash dividends to net income (ytd only)* | 20.5339% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,486 |
| Loan loss allowance to noncurrent loans | 166.9328% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 2,543 |
| Noncurrent loans to loans | 0.6133% | 2,424 |
| Net loans and leases to total assets | 70.3906% | 2,476 |
| Net loans and leases to deposits | 81.7728% | 2,754 |
| Net loans and leases to core deposits | 90.8714% | 2,528 |
| Total domestic deposits to total assets | 86.0807% | 1,988 |
| Equity capital to assets | 10.3657% | 3,635 |
| Core capital (leverage) ratio | 10.0092% | 3,574 |
| Tier 1 risk-based capital ratio | 15.0627% | 2,809 |
| Total risk-based capital ratio | 16.1584% | 2,803 |
| Memoranda: | ||
| Average total assets | $623,354,330 | 1,187 |
| Average earning assets | $585,599,330 | 1,174 |
| Average equity | $62,048,000 | 1,332 |
| Average total loans | $440,357,000 | 1,186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 2,049 |
| Cost of funding earning assets | 1.2491% | 770 |
| Net interest margin | 3.5032% | 3,583 |
| Noninterest income to average assets | 0.5853% | 2,118 |
| Noninterest expense to average assets | 2.6079% | 3,196 |
| Loan and lease loss provision to assets | 0.1085% | 1,638 |
| Net operating income to assets | 1.1589% | 2,222 |
| Return on assets (ROA) | 1.1647% | 2,250 |
| Pretax return on assets | 1.1647% | 2,923 |
| Return on Equity (ROE) | 11.9537% | 1,548 |
| Retained earnings to average equity (ytd only) | 7.6442% | 1,790 |
| Net charge-offs to loans | 0.3322% | 461 |
| Credit loss provision to net charge-offs | 46.4088% | 1,998 |
| Earnings coverage of net charge-offs (x) | 5.4199% | 2,265 |
| Efficiency ratio | 67.2945% | 2,741 |
| Assets per employee ($millions) | 4.3094% | 3,474 |
| Cash dividends to net income (ytd only)* | 36.0510% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,366 |
| Loan loss allowance to noncurrent loans | 82.6821% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 1,495 |
| Noncurrent loans to loans | 1.2799% | 1,280 |
| Net loans and leases to total assets | 68.7049% | 2,657 |
| Net loans and leases to deposits | 79.2304% | 2,927 |
| Net loans and leases to core deposits | 88.6555% | 2,622 |
| Total domestic deposits to total assets | 86.7153% | 1,952 |
| Equity capital to assets | 9.7856% | 4,021 |
| Core capital (leverage) ratio | 9.9625% | 3,643 |
| Tier 1 risk-based capital ratio | 14.7574% | 2,980 |
| Total risk-based capital ratio | 15.8785% | 2,970 |
| Memoranda: | ||
| Average total assets | $619,193,000 | 1,197 |
| Average earning assets | $581,520,500 | 1,184 |
| Average equity | $60,333,000 | 1,371 |
| Average total loans | $435,915,500 | 1,200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 2,005 |
| Cost of funding earning assets | 0.9642% | 866 |
| Net interest margin | 3.6808% | 3,112 |
| Noninterest income to average assets | 0.4907% | 2,883 |
| Noninterest expense to average assets | 2.6541% | 3,170 |
| Loan and lease loss provision to assets | 0.1091% | 2,018 |
| Net operating income to assets | 1.1825% | 2,254 |
| Return on assets (ROA) | 1.1983% | 2,174 |
| Pretax return on assets | 1.1983% | 2,885 |
| Return on Equity (ROE) | 12.2443% | 1,633 |
| Retained earnings to average equity (ytd only) | 2.8537% | 3,975 |
| Net charge-offs to loans | 0.0765% | 2,029 |
| Credit loss provision to net charge-offs | 205.4487% | 1,405 |
| Earnings coverage of net charge-offs (x) | 24.3237% | 1,819 |
| Efficiency ratio | 67.2662% | 2,664 |
| Assets per employee ($millions) | 4.1718% | 3,649 |
| Cash dividends to net income (ytd only)* | 76.6937% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 2,968 |
| Loan loss allowance to noncurrent loans | 75.4708% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 1,248 |
| Noncurrent loans to loans | 1.4875% | 1,026 |
| Net loans and leases to total assets | 70.6053% | 2,486 |
| Net loans and leases to deposits | 81.4959% | 2,794 |
| Net loans and leases to core deposits | 91.2048% | 2,477 |
| Total domestic deposits to total assets | 86.6366% | 1,949 |
| Equity capital to assets | 9.7001% | 3,950 |
| Core capital (leverage) ratio | 9.9978% | 3,581 |
| Tier 1 risk-based capital ratio | 14.7196% | 2,958 |
| Total risk-based capital ratio | 15.9068% | 2,914 |
| Memoranda: | ||
| Average total assets | $587,575,400 | 1,229 |
| Average earning assets | $551,532,600 | 1,213 |
| Average equity | $57,504,400 | 1,375 |
| Average total loans | $407,638,000 | 1,237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,021 |
| Cost of funding earning assets | 0.9045% | 900 |
| Net interest margin | 3.6800% | 3,088 |
| Noninterest income to average assets | 0.4588% | 3,113 |
| Noninterest expense to average assets | 2.6815% | 3,026 |
| Loan and lease loss provision to assets | 0.0857% | 2,257 |
| Net operating income to assets | 1.1457% | 2,455 |
| Return on assets (ROA) | 1.1668% | 2,385 |
| Pretax return on assets | 1.1668% | 3,136 |
| Return on Equity (ROE) | 11.8947% | 1,826 |
| Retained earnings to average equity (ytd only) | 0.9415% | 4,869 |
| Net charge-offs to loans | 0.0276% | 2,557 |
| Credit loss provision to net charge-offs | 451.8072% | 754 |
| Earnings coverage of net charge-offs (x) | 64.9059% | 1,007 |
| Efficiency ratio | 68.5284% | 2,437 |
| Assets per employee ($millions) | 4.0670% | 3,790 |
| Cash dividends to net income (ytd only)* | 92.0847% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,898 |
| Loan loss allowance to noncurrent loans | 122.0081% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,143 |
| Noncurrent loans to loans | 0.9438% | 1,800 |
| Net loans and leases to total assets | 70.0447% | 2,640 |
| Net loans and leases to deposits | 80.7946% | 2,950 |
| Net loans and leases to core deposits | 89.7797% | 2,680 |
| Total domestic deposits to total assets | 86.6948% | 1,869 |
| Equity capital to assets | 9.4651% | 4,113 |
| Core capital (leverage) ratio | 10.0280% | 3,606 |
| Tier 1 risk-based capital ratio | 14.9990% | 2,885 |
| Total risk-based capital ratio | 16.2247% | 2,815 |
| Memoranda: | ||
| Average total assets | $583,243,250 | 1,238 |
| Average earning assets | $547,443,750 | 1,223 |
| Average equity | $57,211,500 | 1,377 |
| Average total loans | $401,561,750 | 1,255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 2,047 |
| Cost of funding earning assets | 0.8511% | 908 |
| Net interest margin | 3.6629% | 3,068 |
| Noninterest income to average assets | 0.4529% | 3,130 |
| Noninterest expense to average assets | 2.6956% | 3,029 |
| Loan and lease loss provision to assets | 0.0860% | 2,189 |
| Net operating income to assets | 1.1124% | 2,536 |
| Return on assets (ROA) | 1.1441% | 2,423 |
| Pretax return on assets | 1.1441% | 3,154 |
| Return on Equity (ROE) | 11.5264% | 1,901 |
| Retained earnings to average equity (ytd only) | -1.3038% | 5,101 |
| Net charge-offs to loans | -0.0480% | 4,911 |
| Credit loss provision to net charge-offs | -263.1579% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2240% | 2,444 |
| Assets per employee ($millions) | 3.8319% | 4,165 |
| Cash dividends to net income (ytd only)* | 111.3117% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,785 |
| Loan loss allowance to noncurrent loans | 150.9463% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 2,519 |
| Noncurrent loans to loans | 0.7884% | 2,151 |
| Net loans and leases to total assets | 68.8970% | 2,741 |
| Net loans and leases to deposits | 79.6002% | 2,992 |
| Net loans and leases to core deposits | 87.7287% | 2,747 |
| Total domestic deposits to total assets | 86.5539% | 2,033 |
| Equity capital to assets | 9.5836% | 4,022 |
| Core capital (leverage) ratio | 9.9924% | 3,588 |
| Tier 1 risk-based capital ratio | 15.2685% | 2,744 |
| Total risk-based capital ratio | 16.5188% | 2,677 |
| Memoranda: | ||
| Average total assets | $581,086,000 | 1,242 |
| Average earning assets | $545,910,670 | 1,226 |
| Average equity | $57,676,330 | 1,367 |
| Average total loans | $396,123,670 | 1,268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 2,061 |
| Cost of funding earning assets | 0.8037% | 935 |
| Net interest margin | 3.6344% | 3,050 |
| Noninterest income to average assets | 0.4508% | 3,104 |
| Noninterest expense to average assets | 2.6794% | 3,100 |
| Loan and lease loss provision to assets | 0.0864% | 2,070 |
| Net operating income to assets | 1.0994% | 2,422 |
| Return on assets (ROA) | 1.1630% | 2,179 |
| Pretax return on assets | 1.1630% | 2,920 |
| Return on Equity (ROE) | 11.5164% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.6696% | 3,324 |
| Net charge-offs to loans | -0.1365% | 5,298 |
| Credit loss provision to net charge-offs | -93.9850% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3202% | 2,614 |
| Assets per employee ($millions) | 3.8905% | 4,163 |
| Cash dividends to net income (ytd only)* | 59.4530% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,750 |
| Loan loss allowance to noncurrent loans | 162.8494% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 2,689 |
| Noncurrent loans to loans | 0.7432% | 2,348 |
| Net loans and leases to total assets | 66.8300% | 2,921 |
| Net loans and leases to deposits | 77.4260% | 3,071 |
| Net loans and leases to core deposits | 86.9707% | 2,718 |
| Total domestic deposits to total assets | 86.3147% | 2,396 |
| Equity capital to assets | 9.8759% | 3,723 |
| Core capital (leverage) ratio | 10.3296% | 3,151 |
| Tier 1 risk-based capital ratio | 16.0083% | 2,469 |
| Total risk-based capital ratio | 17.2589% | 2,406 |
| Memoranda: | ||
| Average total assets | $578,488,000 | 1,253 |
| Average earning assets | $543,473,000 | 1,239 |
| Average equity | $58,421,000 | 1,362 |
| Average total loans | $389,787,500 | 1,285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,988 |
| Cost of funding earning assets | 0.7535% | 810 |
| Net interest margin | 3.6615% | 2,944 |
| Noninterest income to average assets | 0.4665% | 3,213 |
| Noninterest expense to average assets | 2.6503% | 3,282 |
| Loan and lease loss provision to assets | 0.0055% | 4,153 |
| Net operating income to assets | 1.2499% | 1,361 |
| Return on assets (ROA) | 1.2791% | 1,299 |
| Pretax return on assets | 1.2791% | 2,435 |
| Return on Equity (ROE) | 12.8718% | 981 |
| Retained earnings to average equity (ytd only) | 12.8718% | 138 |
| Net charge-offs to loans | 0.1252% | 1,798 |
| Credit loss provision to net charge-offs | 6.6381% | 3,682 |
| Earnings coverage of net charge-offs (x) | 15.2313% | 2,259 |
| Efficiency ratio | 67.8567% | 2,920 |
| Assets per employee ($millions) | 3.7973% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,922 |
| Loan loss allowance to noncurrent loans | 175.3297% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 2,859 |
| Noncurrent loans to loans | 0.6700% | 2,536 |
| Net loans and leases to total assets | 66.3190% | 3,054 |
| Net loans and leases to deposits | 76.8556% | 3,247 |
| Net loans and leases to core deposits | 87.5141% | 2,766 |
| Total domestic deposits to total assets | 86.2904% | 2,318 |
| Equity capital to assets | 10.3259% | 3,356 |
| Core capital (leverage) ratio | 10.1144% | 3,294 |
| Tier 1 risk-based capital ratio | 16.1021% | 2,394 |
| Total risk-based capital ratio | 17.3465% | 2,336 |
| Memoranda: | ||
| Average total assets | $566,584,000 | 1,254 |
| Average earning assets | $532,179,600 | 1,238 |
| Average equity | $56,301,400 | 1,390 |
| Average total loans | $372,854,800 | 1,305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,043 |
| Cost of funding earning assets | 0.7284% | 851 |
| Net interest margin | 3.6441% | 2,981 |
| Noninterest income to average assets | 0.4655% | 3,241 |
| Noninterest expense to average assets | 2.6443% | 3,267 |
| Loan and lease loss provision to assets | 0.0073% | 3,981 |
| Net operating income to assets | 1.2373% | 1,553 |
| Return on assets (ROA) | 1.2762% | 1,441 |
| Pretax return on assets | 1.2762% | 2,604 |
| Return on Equity (ROE) | 12.9720% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.9720% | 224 |
| Net charge-offs to loans | 0.1143% | 1,649 |
| Credit loss provision to net charge-offs | 9.7792% | 3,228 |
| Earnings coverage of net charge-offs (x) | 16.6339% | 2,157 |
| Efficiency ratio | 67.9959% | 2,877 |
| Assets per employee ($millions) | 3.9342% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,783 |
| Loan loss allowance to noncurrent loans | 179.9615% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 3,115 |
| Noncurrent loans to loans | 0.6798% | 2,670 |
| Net loans and leases to total assets | 64.7546% | 3,291 |
| Net loans and leases to deposits | 75.6109% | 3,409 |
| Net loans and leases to core deposits | 86.7955% | 2,891 |
| Total domestic deposits to total assets | 85.6419% | 2,461 |
| Equity capital to assets | 10.1200% | 3,779 |
| Core capital (leverage) ratio | 9.8956% | 3,703 |
| Tier 1 risk-based capital ratio | 15.7582% | 2,607 |
| Total risk-based capital ratio | 17.0087% | 2,542 |
| Memoranda: | ||
| Average total assets | $564,881,500 | 1,267 |
| Average earning assets | $530,665,000 | 1,248 |
| Average equity | $55,574,750 | 1,413 |
| Average total loans | $369,871,250 | 1,327 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,033 |
| Cost of funding earning assets | 0.6988% | 902 |
| Net interest margin | 3.6323% | 2,904 |
| Noninterest income to average assets | 0.4665% | 3,241 |
| Noninterest expense to average assets | 2.5896% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2907% | 1,319 |
| Return on assets (ROA) | 1.3061% | 1,301 |
| Pretax return on assets | 1.3061% | 2,359 |
| Return on Equity (ROE) | 13.4084% | 945 |
| Retained earnings to average equity (ytd only) | 13.4084% | 227 |
| Net charge-offs to loans | 0.1394% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.1490% | 2,092 |
| Efficiency ratio | 66.7373% | 3,221 |
| Assets per employee ($millions) | 3.9524% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,720 |
| Loan loss allowance to noncurrent loans | 187.5898% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,136 |
| Noncurrent loans to loans | 0.6640% | 2,759 |
| Net loans and leases to total assets | 63.7134% | 3,430 |
| Net loans and leases to deposits | 74.1475% | 3,531 |
| Net loans and leases to core deposits | 84.3407% | 3,033 |
| Total domestic deposits to total assets | 85.9279% | 2,401 |
| Equity capital to assets | 9.8596% | 4,078 |
| Core capital (leverage) ratio | 9.5609% | 4,059 |
| Tier 1 risk-based capital ratio | 15.1600% | 2,861 |
| Total risk-based capital ratio | 16.4109% | 2,793 |
| Memoranda: | ||
| Average total assets | $559,090,330 | 1,289 |
| Average earning assets | $525,448,670 | 1,260 |
| Average equity | $54,458,330 | 1,439 |
| Average total loans | $365,926,000 | 1,336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 1,986 |
| Cost of funding earning assets | 0.6752% | 955 |
| Net interest margin | 3.6129% | 2,837 |
| Noninterest income to average assets | 0.4819% | 3,098 |
| Noninterest expense to average assets | 2.6007% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2787% | 1,297 |
| Return on assets (ROA) | 1.3102% | 1,243 |
| Pretax return on assets | 1.3102% | 2,199 |
| Return on Equity (ROE) | 13.5401% | 894 |
| Retained earnings to average equity (ytd only) | 13.5401% | 330 |
| Net charge-offs to loans | 0.1755% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.0506% | 1,910 |
| Efficiency ratio | 67.0379% | 3,337 |
| Assets per employee ($millions) | 3.9183% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,499 |
| Loan loss allowance to noncurrent loans | 245.9252% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 3,457 |
| Noncurrent loans to loans | 0.5321% | 3,215 |
| Net loans and leases to total assets | 64.1278% | 3,259 |
| Net loans and leases to deposits | 74.4859% | 3,351 |
| Net loans and leases to core deposits | 85.9908% | 2,710 |
| Total domestic deposits to total assets | 86.0940% | 2,627 |
| Equity capital to assets | 9.6133% | 4,170 |
| Core capital (leverage) ratio | 9.7803% | 3,777 |
| Tier 1 risk-based capital ratio | 15.0605% | 2,938 |
| Total risk-based capital ratio | 16.3119% | 2,868 |
| Memoranda: | ||
| Average total assets | $546,159,500 | 1,309 |
| Average earning assets | $513,600,500 | 1,288 |
| Average equity | $52,850,500 | 1,463 |
| Average total loans | $360,192,000 | 1,362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,713 |
| Cost of funding earning assets | 0.6494% | 1,061 |
| Net interest margin | 3.7903% | 2,351 |
| Noninterest income to average assets | 0.4960% | 3,269 |
| Noninterest expense to average assets | 2.5361% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5143% | 810 |
| Return on assets (ROA) | 1.5579% | 775 |
| Pretax return on assets | 1.5579% | 1,411 |
| Return on Equity (ROE) | 14.7063% | 669 |
| Retained earnings to average equity (ytd only) | 5.6306% | 1,934 |
| Net charge-offs to loans | 0.0794% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 28.8264% | 1,464 |
| Efficiency ratio | 62.6144% | 4,158 |
| Assets per employee ($millions) | 3.7762% | 4,353 |
| Cash dividends to net income (ytd only)* | 61.7127% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,086 |
| Loan loss allowance to noncurrent loans | 248.7952% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 3,477 |
| Noncurrent loans to loans | 0.5622% | 3,156 |
| Net loans and leases to total assets | 66.0877% | 3,059 |
| Net loans and leases to deposits | 77.2577% | 3,180 |
| Net loans and leases to core deposits | 86.8423% | 2,780 |
| Total domestic deposits to total assets | 85.5418% | 2,813 |
| Equity capital to assets | 9.8449% | 3,889 |
| Core capital (leverage) ratio | 9.8145% | 3,722 |
| Tier 1 risk-based capital ratio | 13.9816% | 3,476 |
| Total risk-based capital ratio | 15.2327% | 3,386 |
| Memoranda: | ||
| Average total assets | $504,472,600 | 1,359 |
| Average earning assets | $473,080,000 | 1,337 |
| Average equity | $53,439,800 | 1,438 |
| Average total loans | $333,645,400 | 1,401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 1,752 |
| Cost of funding earning assets | 0.6401% | 1,094 |
| Net interest margin | 3.7927% | 2,356 |
| Noninterest income to average assets | 0.4911% | 3,315 |
| Noninterest expense to average assets | 2.5536% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4913% | 893 |
| Return on assets (ROA) | 1.5480% | 844 |
| Pretax return on assets | 1.5480% | 1,545 |
| Return on Equity (ROE) | 14.3449% | 764 |
| Retained earnings to average equity (ytd only) | 2.3226% | 4,533 |
| Net charge-offs to loans | 0.1084% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.8802% | 1,847 |
| Efficiency ratio | 63.1307% | 4,052 |
| Assets per employee ($millions) | 3.6986% | 4,477 |
| Cash dividends to net income (ytd only)* | 83.8086% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 2,030 |
| Loan loss allowance to noncurrent loans | 300.9721% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 3,681 |
| Noncurrent loans to loans | 0.4777% | 3,580 |
| Net loans and leases to total assets | 66.0546% | 3,114 |
| Net loans and leases to deposits | 78.0987% | 3,176 |
| Net loans and leases to core deposits | 87.7938% | 2,780 |
| Total domestic deposits to total assets | 84.5784% | 2,997 |
| Equity capital to assets | 10.5907% | 3,467 |
| Core capital (leverage) ratio | 9.8997% | 3,695 |
| Tier 1 risk-based capital ratio | 13.7327% | 3,722 |
| Total risk-based capital ratio | 14.9842% | 3,633 |
| Memoranda: | ||
| Average total assets | $498,423,500 | 1,388 |
| Average earning assets | $467,032,000 | 1,360 |
| Average equity | $53,788,000 | 1,431 |
| Average total loans | $328,471,500 | 1,421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 1,696 |
| Cost of funding earning assets | 0.6369% | 1,105 |
| Net interest margin | 3.8072% | 2,293 |
| Noninterest income to average assets | 0.5114% | 3,114 |
| Noninterest expense to average assets | 2.5608% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5187% | 863 |
| Return on assets (ROA) | 1.6046% | 762 |
| Pretax return on assets | 1.6046% | 1,364 |
| Return on Equity (ROE) | 14.7737% | 705 |
| Retained earnings to average equity (ytd only) | 4.1330% | 3,276 |
| Net charge-offs to loans | 0.1368% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.9457% | 1,903 |
| Efficiency ratio | 62.7734% | 4,210 |
| Assets per employee ($millions) | 3.5222% | 4,716 |
| Cash dividends to net income (ytd only)* | 72.0243% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,824 |
| Loan loss allowance to noncurrent loans | 287.1913% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 3,569 |
| Noncurrent loans to loans | 0.5256% | 3,506 |
| Net loans and leases to total assets | 65.6886% | 3,119 |
| Net loans and leases to deposits | 77.0541% | 3,263 |
| Net loans and leases to core deposits | 86.2941% | 2,872 |
| Total domestic deposits to total assets | 85.2500% | 2,759 |
| Equity capital to assets | 11.0153% | 3,043 |
| Core capital (leverage) ratio | 10.0259% | 3,534 |
| Tier 1 risk-based capital ratio | 14.3066% | 3,432 |
| Total risk-based capital ratio | 15.5589% | 3,353 |
| Memoranda: | ||
| Average total assets | $493,197,330 | 1,404 |
| Average earning assets | $462,229,670 | 1,382 |
| Average equity | $53,568,330 | 1,438 |
| Average total loans | $323,114,670 | 1,445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 1,732 |
| Cost of funding earning assets | 0.6335% | 1,132 |
| Net interest margin | 3.7908% | 2,320 |
| Noninterest income to average assets | 0.4761% | 3,299 |
| Noninterest expense to average assets | 2.5849% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4463% | 952 |
| Return on assets (ROA) | 1.5431% | 827 |
| Pretax return on assets | 1.5431% | 1,460 |
| Return on Equity (ROE) | 14.3096% | 778 |
| Retained earnings to average equity (ytd only) | 4.1208% | 3,426 |
| Net charge-offs to loans | 0.0238% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 93.5263% | 561 |
| Efficiency ratio | 64.1228% | 4,104 |
| Assets per employee ($millions) | 3.6103% | 4,633 |
| Cash dividends to net income (ytd only)* | 71.2025% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,591 |
| Loan loss allowance to noncurrent loans | 315.2727% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,681 |
| Noncurrent loans to loans | 0.5090% | 3,655 |
| Net loans and leases to total assets | 64.4929% | 3,170 |
| Net loans and leases to deposits | 75.4877% | 3,280 |
| Net loans and leases to core deposits | 84.3290% | 2,904 |
| Total domestic deposits to total assets | 85.4350% | 2,939 |
| Equity capital to assets | 10.8468% | 3,119 |
| Core capital (leverage) ratio | 10.0105% | 3,531 |
| Tier 1 risk-based capital ratio | 14.4414% | 3,422 |
| Total risk-based capital ratio | 15.6948% | 3,358 |
| Memoranda: | ||
| Average total assets | $491,477,500 | 1,408 |
| Average earning assets | $460,904,500 | 1,385 |
| Average equity | $52,999,500 | 1,450 |
| Average total loans | $319,055,000 | 1,454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 1,684 |
| Cost of funding earning assets | 0.6369% | 1,142 |
| Net interest margin | 3.8362% | 2,254 |
| Noninterest income to average assets | 0.5039% | 3,301 |
| Noninterest expense to average assets | 2.7739% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3277% | 1,209 |
| Return on assets (ROA) | 1.3744% | 1,132 |
| Pretax return on assets | 1.3744% | 2,001 |
| Return on Equity (ROE) | 12.7089% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.5622% | 2,042 |
| Net charge-offs to loans | 0.0879% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.0500% | 1,697 |
| Efficiency ratio | 67.6295% | 3,641 |
| Assets per employee ($millions) | 3.5645% | 4,696 |
| Cash dividends to net income (ytd only)* | 56.2336% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 1,444 |
| Loan loss allowance to noncurrent loans | 331.0717% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,607 |
| Noncurrent loans to loans | 0.5024% | 3,679 |
| Net loans and leases to total assets | 63.2132% | 3,384 |
| Net loans and leases to deposits | 73.9603% | 3,501 |
| Net loans and leases to core deposits | 82.2009% | 3,125 |
| Total domestic deposits to total assets | 85.4691% | 2,879 |
| Equity capital to assets | 10.7198% | 3,108 |
| Core capital (leverage) ratio | 9.9916% | 3,524 |
| Tier 1 risk-based capital ratio | 14.7346% | 3,312 |
| Total risk-based capital ratio | 15.9885% | 3,239 |
| Memoranda: | ||
| Average total assets | $470,957,000 | 1,430 |
| Average earning assets | $441,686,800 | 1,405 |
| Average equity | $50,932,800 | 1,457 |
| Average total loans | $295,624,400 | 1,481 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 1,669 |
| Cost of funding earning assets | 0.6368% | 1,169 |
| Net interest margin | 3.8404% | 2,235 |
| Noninterest income to average assets | 0.5183% | 3,238 |
| Noninterest expense to average assets | 2.7808% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3373% | 1,251 |
| Return on assets (ROA) | 1.3987% | 1,154 |
| Pretax return on assets | 1.3987% | 2,016 |
| Return on Equity (ROE) | 12.9036% | 1,147 |
| Retained earnings to average equity (ytd only) | 5.2854% | 2,731 |
| Net charge-offs to loans | 0.0751% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 28.5367% | 1,542 |
| Efficiency ratio | 67.5271% | 3,626 |
| Assets per employee ($millions) | 3.5994% | 4,611 |
| Cash dividends to net income (ytd only)* | 59.0399% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 1,314 |
| Loan loss allowance to noncurrent loans | 363.9288% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,787 |
| Noncurrent loans to loans | 0.4875% | 3,895 |
| Net loans and leases to total assets | 61.0309% | 3,729 |
| Net loans and leases to deposits | 71.4680% | 3,827 |
| Net loans and leases to core deposits | 79.9112% | 3,435 |
| Total domestic deposits to total assets | 85.3961% | 2,829 |
| Equity capital to assets | 10.7241% | 3,332 |
| Core capital (leverage) ratio | 9.9798% | 3,659 |
| Tier 1 risk-based capital ratio | 15.1586% | 3,210 |
| Total risk-based capital ratio | 16.4140% | 3,145 |
| Memoranda: | ||
| Average total assets | $466,611,750 | 1,450 |
| Average earning assets | $437,379,500 | 1,422 |
| Average equity | $50,578,750 | 1,474 |
| Average total loans | $291,051,750 | 1,506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,556 |
| Cost of funding earning assets | 0.6359% | 1,192 |
| Net interest margin | 3.8589% | 2,110 |
| Noninterest income to average assets | 0.5007% | 3,372 |
| Noninterest expense to average assets | 2.7925% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3252% | 1,252 |
| Return on assets (ROA) | 1.3256% | 1,300 |
| Pretax return on assets | 1.3256% | 2,258 |
| Return on Equity (ROE) | 12.1840% | 1,321 |
| Retained earnings to average equity (ytd only) | 2.4225% | 4,509 |
| Net charge-offs to loans | 0.1020% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 20.7959% | 1,705 |
| Efficiency ratio | 67.8177% | 3,697 |
| Assets per employee ($millions) | 3.6733% | 4,485 |
| Cash dividends to net income (ytd only)* | 80.1177% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 1,305 |
| Loan loss allowance to noncurrent loans | 335.2608% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 3,747 |
| Noncurrent loans to loans | 0.5469% | 3,815 |
| Net loans and leases to total assets | 61.2195% | 3,663 |
| Net loans and leases to deposits | 71.6951% | 3,746 |
| Net loans and leases to core deposits | 79.9361% | 3,391 |
| Total domestic deposits to total assets | 85.3887% | 2,972 |
| Equity capital to assets | 10.5820% | 3,354 |
| Core capital (leverage) ratio | 9.9780% | 3,635 |
| Tier 1 risk-based capital ratio | 15.5567% | 3,072 |
| Total risk-based capital ratio | 16.8133% | 3,014 |
| Memoranda: | ||
| Average total assets | $461,377,330 | 1,469 |
| Average earning assets | $432,458,330 | 1,449 |
| Average equity | $50,197,000 | 1,491 |
| Average total loans | $288,176,330 | 1,527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 1,456 |
| Cost of funding earning assets | 0.6329% | 1,215 |
| Net interest margin | 3.8688% | 2,003 |
| Noninterest income to average assets | 0.5170% | 3,172 |
| Noninterest expense to average assets | 2.7663% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3801% | 1,069 |
| Return on assets (ROA) | 1.3810% | 1,124 |
| Pretax return on assets | 1.3810% | 1,956 |
| Return on Equity (ROE) | 12.5186% | 1,212 |
| Retained earnings to average equity (ytd only) | 1.4542% | 4,901 |
| Net charge-offs to loans | -0.0432% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7157% | 4,028 |
| Assets per employee ($millions) | 3.8849% | 4,195 |
| Cash dividends to net income (ytd only)* | 88.3838% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 1,262 |
| Loan loss allowance to noncurrent loans | 342.9994% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 3,899 |
| Noncurrent loans to loans | 0.5575% | 3,913 |
| Net loans and leases to total assets | 61.1549% | 3,505 |
| Net loans and leases to deposits | 72.0055% | 3,533 |
| Net loans and leases to core deposits | 79.5402% | 3,222 |
| Total domestic deposits to total assets | 84.9309% | 3,441 |
| Equity capital to assets | 11.0531% | 2,916 |
| Core capital (leverage) ratio | 9.9978% | 3,601 |
| Tier 1 risk-based capital ratio | 15.6599% | 3,076 |
| Total risk-based capital ratio | 16.9173% | 3,015 |
| Memoranda: | ||
| Average total assets | $458,812,000 | 1,481 |
| Average earning assets | $430,422,000 | 1,460 |
| Average equity | $50,612,500 | 1,483 |
| Average total loans | $286,800,500 | 1,532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,511 |
| Cost of funding earning assets | 0.7025% | 1,091 |
| Net interest margin | 3.9147% | 2,177 |
| Noninterest income to average assets | 0.5728% | 3,035 |
| Noninterest expense to average assets | 2.7713% | 3,591 |
| Loan and lease loss provision to assets | 0.0337% | 3,919 |
| Net operating income to assets | 1.4344% | 1,011 |
| Return on assets (ROA) | 1.4924% | 927 |
| Pretax return on assets | 1.4924% | 1,573 |
| Return on Equity (ROE) | 14.0868% | 923 |
| Retained earnings to average equity (ytd only) | 5.5181% | 2,249 |
| Net charge-offs to loans | 0.3007% | 1,466 |
| Credit loss provision to net charge-offs | 18.2588% | 3,995 |
| Earnings coverage of net charge-offs (x) | 7.9589% | 2,947 |
| Efficiency ratio | 65.3707% | 4,347 |
| Assets per employee ($millions) | 3.7630% | 4,419 |
| Cash dividends to net income (ytd only)* | 60.8280% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 1,268 |
| Loan loss allowance to noncurrent loans | 360.8295% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 4,154 |
| Noncurrent loans to loans | 0.5323% | 4,066 |
| Net loans and leases to total assets | 61.4703% | 3,576 |
| Net loans and leases to deposits | 72.3987% | 3,630 |
| Net loans and leases to core deposits | 80.0846% | 3,292 |
| Total domestic deposits to total assets | 84.9052% | 3,327 |
| Equity capital to assets | 11.0089% | 2,890 |
| Core capital (leverage) ratio | 10.0223% | 3,542 |
| Tier 1 risk-based capital ratio | 15.8048% | 3,057 |
| Total risk-based capital ratio | 17.0625% | 3,000 |
| Memoranda: | ||
| Average total assets | $448,343,400 | 1,481 |
| Average earning assets | $419,926,400 | 1,465 |
| Average equity | $47,498,200 | 1,518 |
| Average total loans | $275,047,800 | 1,546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,524 |
| Cost of funding earning assets | 0.7096% | 1,110 |
| Net interest margin | 3.9043% | 2,219 |
| Noninterest income to average assets | 0.5795% | 2,994 |
| Noninterest expense to average assets | 2.7263% | 3,726 |
| Loan and lease loss provision to assets | 0.0451% | 3,490 |
| Net operating income to assets | 1.4632% | 1,003 |
| Return on assets (ROA) | 1.5408% | 894 |
| Pretax return on assets | 1.5408% | 1,508 |
| Return on Equity (ROE) | 14.6904% | 879 |
| Retained earnings to average equity (ytd only) | 5.6388% | 2,642 |
| Net charge-offs to loans | 0.2951% | 1,339 |
| Credit loss provision to net charge-offs | 25.0415% | 3,520 |
| Earnings coverage of net charge-offs (x) | 8.3781% | 2,808 |
| Efficiency ratio | 64.3824% | 4,483 |
| Assets per employee ($millions) | 3.7184% | 4,454 |
| Cash dividends to net income (ytd only)* | 61.6159% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 1,113 |
| Loan loss allowance to noncurrent loans | 323.9637% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 4,201 |
| Noncurrent loans to loans | 0.6424% | 4,010 |
| Net loans and leases to total assets | 60.1530% | 3,760 |
| Net loans and leases to deposits | 70.9281% | 3,808 |
| Net loans and leases to core deposits | 78.0205% | 3,533 |
| Total domestic deposits to total assets | 84.8084% | 3,418 |
| Equity capital to assets | 10.8965% | 3,075 |
| Core capital (leverage) ratio | 10.0695% | 3,570 |
| Tier 1 risk-based capital ratio | 16.1466% | 2,984 |
| Total risk-based capital ratio | 17.4061% | 2,936 |
| Memoranda: | ||
| Average total assets | $446,599,000 | 1,497 |
| Average earning assets | $418,090,000 | 1,473 |
| Average equity | $46,841,250 | 1,541 |
| Average total loans | $272,467,750 | 1,569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,536 |
| Cost of funding earning assets | 0.7113% | 1,131 |
| Net interest margin | 3.8861% | 2,233 |
| Noninterest income to average assets | 0.5735% | 2,973 |
| Noninterest expense to average assets | 2.6857% | 3,920 |
| Loan and lease loss provision to assets | 0.0676% | 2,912 |
| Net operating income to assets | 1.4573% | 950 |
| Return on assets (ROA) | 1.5195% | 874 |
| Pretax return on assets | 1.5195% | 1,483 |
| Return on Equity (ROE) | 14.6774% | 843 |
| Retained earnings to average equity (ytd only) | 10.1799% | 681 |
| Net charge-offs to loans | 0.2074% | 1,780 |
| Credit loss provision to net charge-offs | 53.5461% | 2,745 |
| Earnings coverage of net charge-offs (x) | 12.0780% | 2,092 |
| Efficiency ratio | 63.7852% | 4,725 |
| Assets per employee ($millions) | 3.8711% | 4,123 |
| Cash dividends to net income (ytd only)* | 30.6423% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,065 |
| Loan loss allowance to noncurrent loans | 247.6778% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 3,916 |
| Noncurrent loans to loans | 0.8777% | 3,504 |
| Net loans and leases to total assets | 59.8698% | 3,743 |
| Net loans and leases to deposits | 70.4464% | 3,761 |
| Net loans and leases to core deposits | 77.5909% | 3,487 |
| Total domestic deposits to total assets | 84.9864% | 3,517 |
| Equity capital to assets | 10.7543% | 3,141 |
| Core capital (leverage) ratio | 10.0284% | 3,574 |
| Tier 1 risk-based capital ratio | 16.0066% | 3,079 |
| Total risk-based capital ratio | 17.2672% | 3,013 |
| Memoranda: | ||
| Average total assets | $446,729,670 | 1,497 |
| Average earning assets | $418,104,330 | 1,470 |
| Average equity | $46,248,000 | 1,550 |
| Average total loans | $271,919,670 | 1,573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,563 |
| Cost of funding earning assets | 0.7115% | 1,178 |
| Net interest margin | 3.8657% | 2,210 |
| Noninterest income to average assets | 0.5617% | 2,973 |
| Noninterest expense to average assets | 2.6598% | 4,081 |
| Loan and lease loss provision to assets | 0.1361% | 1,779 |
| Net operating income to assets | 1.3858% | 1,014 |
| Return on assets (ROA) | 1.3921% | 1,042 |
| Pretax return on assets | 1.3921% | 1,773 |
| Return on Equity (ROE) | 13.7190% | 997 |
| Retained earnings to average equity (ytd only) | 13.3635% | 447 |
| Net charge-offs to loans | 0.2807% | 1,223 |
| Credit loss provision to net charge-offs | 79.8942% | 1,902 |
| Earnings coverage of net charge-offs (x) | 8.9312% | 1,980 |
| Efficiency ratio | 63.6050% | 4,923 |
| Assets per employee ($millions) | 3.9526% | 4,041 |
| Cash dividends to net income (ytd only)* | 2.5907% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 1,072 |
| Loan loss allowance to noncurrent loans | 214.9280% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 3,811 |
| Noncurrent loans to loans | 1.0559% | 3,312 |
| Net loans and leases to total assets | 58.4777% | 3,766 |
| Net loans and leases to deposits | 68.4697% | 3,807 |
| Net loans and leases to core deposits | 74.8486% | 3,550 |
| Total domestic deposits to total assets | 85.4068% | 3,667 |
| Equity capital to assets | 10.2848% | 3,498 |
| Core capital (leverage) ratio | 10.0252% | 3,542 |
| Tier 1 risk-based capital ratio | 16.1264% | 3,102 |
| Total risk-based capital ratio | 17.3880% | 3,060 |
| Memoranda: | ||
| Average total assets | $443,636,500 | 1,511 |
| Average earning assets | $415,450,500 | 1,492 |
| Average equity | $45,018,000 | 1,581 |
| Average total loans | $269,286,500 | 1,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 1,444 |
| Cost of funding earning assets | 0.7147% | 1,714 |
| Net interest margin | 4.0343% | 1,856 |
| Noninterest income to average assets | 0.5679% | 3,280 |
| Noninterest expense to average assets | 2.9161% | 3,325 |
| Loan and lease loss provision to assets | 0.0181% | 4,769 |
| Net operating income to assets | 1.3938% | 1,035 |
| Return on assets (ROA) | 1.4248% | 1,015 |
| Pretax return on assets | 1.4248% | 1,703 |
| Return on Equity (ROE) | 13.4868% | 1,070 |
| Retained earnings to average equity (ytd only) | 3.0286% | 4,082 |
| Net charge-offs to loans | 0.3636% | 1,860 |
| Credit loss provision to net charge-offs | 8.2090% | 4,605 |
| Earnings coverage of net charge-offs (x) | 6.4168% | 3,071 |
| Efficiency ratio | 67.3785% | 4,312 |
| Assets per employee ($millions) | 3.6390% | 4,597 |
| Cash dividends to net income (ytd only)* | 77.5436% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 1,053 |
| Loan loss allowance to noncurrent loans | 209.7785% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 3,538 |
| Noncurrent loans to loans | 1.0913% | 3,351 |
| Net loans and leases to total assets | 60.1815% | 3,678 |
| Net loans and leases to deposits | 70.3190% | 3,742 |
| Net loans and leases to core deposits | 77.2937% | 3,452 |
| Total domestic deposits to total assets | 85.5835% | 3,467 |
| Equity capital to assets | 10.0059% | 3,763 |
| Core capital (leverage) ratio | 9.8356% | 3,799 |
| Tier 1 risk-based capital ratio | 15.6079% | 3,300 |
| Total risk-based capital ratio | 16.8699% | 3,252 |
| Memoranda: | ||
| Average total assets | $426,319,400 | 1,552 |
| Average earning assets | $397,346,800 | 1,524 |
| Average equity | $45,036,600 | 1,550 |
| Average total loans | $257,968,200 | 1,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,465 |
| Cost of funding earning assets | 0.7073% | 1,904 |
| Net interest margin | 4.0473% | 1,795 |
| Noninterest income to average assets | 0.6214% | 3,032 |
| Noninterest expense to average assets | 2.8876% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5006% | 896 |
| Return on assets (ROA) | 1.5421% | 880 |
| Pretax return on assets | 1.5421% | 1,491 |
| Return on Equity (ROE) | 14.4019% | 908 |
| Retained earnings to average equity (ytd only) | 0.5613% | 5,747 |
| Net charge-offs to loans | 0.3819% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.5240% | 2,958 |
| Efficiency ratio | 65.8038% | 4,521 |
| Assets per employee ($millions) | 3.5082% | 4,833 |
| Cash dividends to net income (ytd only)* | 96.1028% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3770% | 1,074 |
| Loan loss allowance to noncurrent loans | 265.0506% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 4,150 |
| Noncurrent loans to loans | 0.8968% | 4,029 |
| Net loans and leases to total assets | 59.3554% | 3,797 |
| Net loans and leases to deposits | 69.4004% | 3,870 |
| Net loans and leases to core deposits | 76.0597% | 3,609 |
| Total domestic deposits to total assets | 85.5260% | 3,482 |
| Equity capital to assets | 9.8970% | 4,056 |
| Core capital (leverage) ratio | 9.9341% | 3,763 |
| Tier 1 risk-based capital ratio | 15.6754% | 3,365 |
| Total risk-based capital ratio | 16.9388% | 3,315 |
| Memoranda: | ||
| Average total assets | $423,730,750 | 1,568 |
| Average earning assets | $394,356,750 | 1,546 |
| Average equity | $45,372,500 | 1,555 |
| Average total loans | $255,221,750 | 1,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 1,415 |
| Cost of funding earning assets | 0.7118% | 1,987 |
| Net interest margin | 4.0519% | 1,687 |
| Noninterest income to average assets | 0.6172% | 3,089 |
| Noninterest expense to average assets | 2.8917% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4939% | 909 |
| Return on assets (ROA) | 1.5568% | 880 |
| Pretax return on assets | 1.5568% | 1,465 |
| Return on Equity (ROE) | 14.1683% | 971 |
| Retained earnings to average equity (ytd only) | 0.5591% | 5,682 |
| Net charge-offs to loans | 0.4672% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.3260% | 2,916 |
| Efficiency ratio | 65.9355% | 4,557 |
| Assets per employee ($millions) | 3.3972% | 5,067 |
| Cash dividends to net income (ytd only)* | 96.0538% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4662% | 1,021 |
| Loan loss allowance to noncurrent loans | 320.1693% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 4,297 |
| Noncurrent loans to loans | 0.7703% | 4,380 |
| Net loans and leases to total assets | 60.8492% | 3,510 |
| Net loans and leases to deposits | 71.6526% | 3,503 |
| Net loans and leases to core deposits | 78.0496% | 3,280 |
| Total domestic deposits to total assets | 84.9224% | 3,921 |
| Equity capital to assets | 10.3383% | 3,506 |
| Core capital (leverage) ratio | 10.0235% | 3,476 |
| Tier 1 risk-based capital ratio | 15.8671% | 3,280 |
| Total risk-based capital ratio | 17.1316% | 3,215 |
| Memoranda: | ||
| Average total assets | $419,967,000 | 1,585 |
| Average earning assets | $390,583,670 | 1,554 |
| Average equity | $46,145,330 | 1,537 |
| Average total loans | $252,130,330 | 1,649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,545 |
| Cost of funding earning assets | 0.7154% | 2,088 |
| Net interest margin | 3.9806% | 1,859 |
| Noninterest income to average assets | 0.6698% | 2,760 |
| Noninterest expense to average assets | 2.8758% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4945% | 866 |
| Return on assets (ROA) | 1.5258% | 884 |
| Pretax return on assets | 1.5258% | 1,498 |
| Return on Equity (ROE) | 13.4906% | 1,058 |
| Retained earnings to average equity (ytd only) | 0.5544% | 5,604 |
| Net charge-offs to loans | 0.6262% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.0541% | 2,625 |
| Efficiency ratio | 65.8043% | 4,698 |
| Assets per employee ($millions) | 3.4715% | 5,038 |
| Cash dividends to net income (ytd only)* | 95.8904% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6418% | 975 |
| Loan loss allowance to noncurrent loans | 259.7962% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 4,243 |
| Noncurrent loans to loans | 1.0169% | 4,100 |
| Net loans and leases to total assets | 57.6924% | 3,815 |
| Net loans and leases to deposits | 68.5083% | 3,714 |
| Net loans and leases to core deposits | 73.1966% | 3,681 |
| Total domestic deposits to total assets | 84.2122% | 4,390 |
| Equity capital to assets | 11.1474% | 2,798 |
| Core capital (leverage) ratio | 10.0122% | 3,370 |
| Tier 1 risk-based capital ratio | 16.2587% | 3,127 |
| Total risk-based capital ratio | 17.5250% | 3,073 |
| Memoranda: | ||
| Average total assets | $421,024,000 | 1,599 |
| Average earning assets | $391,399,500 | 1,565 |
| Average equity | $47,618,500 | 1,512 |
| Average total loans | $247,851,000 | 1,677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 1,369 |
| Cost of funding earning assets | 0.8766% | 2,086 |
| Net interest margin | 4.1970% | 1,670 |
| Noninterest income to average assets | 0.6501% | 2,986 |
| Noninterest expense to average assets | 2.9096% | 3,597 |
| Loan and lease loss provision to assets | 0.1346% | 3,943 |
| Net operating income to assets | 1.4986% | 921 |
| Return on assets (ROA) | 1.7367% | 635 |
| Pretax return on assets | 1.7367% | 1,052 |
| Return on Equity (ROE) | 15.1045% | 798 |
| Retained earnings to average equity (ytd only) | -2.3612% | 6,208 |
| Net charge-offs to loans | 0.5572% | 2,074 |
| Credit loss provision to net charge-offs | 41.0753% | 4,918 |
| Earnings coverage of net charge-offs (x) | 4.9849% | 3,187 |
| Efficiency ratio | 64.0490% | 4,878 |
| Assets per employee ($millions) | 3.4306% | 5,145 |
| Cash dividends to net income (ytd only)* | 115.6322% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8676% | 763 |
| Loan loss allowance to noncurrent loans | 263.3396% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 4,193 |
| Noncurrent loans to loans | 1.0889% | 4,032 |
| Net loans and leases to total assets | 56.7979% | 4,144 |
| Net loans and leases to deposits | 67.7685% | 4,014 |
| Net loans and leases to core deposits | 72.4975% | 3,983 |
| Total domestic deposits to total assets | 83.8117% | 4,403 |
| Equity capital to assets | 11.4749% | 2,470 |
| Core capital (leverage) ratio | 10.0027% | 3,391 |
| Tier 1 risk-based capital ratio | 16.6360% | 2,821 |
| Total risk-based capital ratio | 17.9048% | 2,787 |
| Memoranda: | ||
| Average total assets | $425,803,400 | 1,541 |
| Average earning assets | $394,925,000 | 1,525 |
| Average equity | $48,959,000 | 1,440 |
| Average total loans | $250,378,800 | 1,644 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 1,310 |
| Cost of funding earning assets | 0.9040% | 2,147 |
| Net interest margin | 4.2421% | 1,617 |
| Noninterest income to average assets | 0.6535% | 2,977 |
| Noninterest expense to average assets | 2.8351% | 3,856 |
| Loan and lease loss provision to assets | 0.1787% | 3,351 |
| Net operating income to assets | 1.5727% | 908 |
| Return on assets (ROA) | 1.8134% | 613 |
| Pretax return on assets | 1.8134% | 1,005 |
| Return on Equity (ROE) | 15.7636% | 775 |
| Retained earnings to average equity (ytd only) | -3.3473% | 6,505 |
| Net charge-offs to loans | 0.9087% | 1,200 |
| Credit loss provision to net charge-offs | 33.3916% | 4,738 |
| Earnings coverage of net charge-offs (x) | 3.2733% | 3,717 |
| Efficiency ratio | 61.8151% | 5,184 |
| Assets per employee ($millions) | 3.4166% | 5,170 |
| Cash dividends to net income (ytd only)* | 121.2346% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7517% | 933 |
| Loan loss allowance to noncurrent loans | 268.3093% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 4,382 |
| Noncurrent loans to loans | 1.0256% | 4,401 |
| Net loans and leases to total assets | 56.7801% | 4,333 |
| Net loans and leases to deposits | 68.6463% | 4,077 |
| Net loans and leases to core deposits | 73.6228% | 4,024 |
| Total domestic deposits to total assets | 82.7140% | 4,749 |
| Equity capital to assets | 11.6976% | 2,535 |
| Core capital (leverage) ratio | 10.0290% | 3,498 |
| Tier 1 risk-based capital ratio | 16.5729% | 2,955 |
| Total risk-based capital ratio | 17.8401% | 2,922 |
| Memoranda: | ||
| Average total assets | $427,621,500 | 1,554 |
| Average earning assets | $396,457,000 | 1,536 |
| Average equity | $49,192,250 | 1,450 |
| Average total loans | $251,789,750 | 1,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 1,223 |
| Cost of funding earning assets | 0.9321% | 2,168 |
| Net interest margin | 4.2762% | 1,528 |
| Noninterest income to average assets | 0.6716% | 2,820 |
| Noninterest expense to average assets | 2.8055% | 3,999 |
| Loan and lease loss provision to assets | 0.2658% | 2,455 |
| Net operating income to assets | 1.5663% | 887 |
| Return on assets (ROA) | 1.8937% | 531 |
| Pretax return on assets | 1.8937% | 859 |
| Return on Equity (ROE) | 16.5516% | 694 |
| Retained earnings to average equity (ytd only) | -2.7079% | 6,432 |
| Net charge-offs to loans | 0.5593% | 1,916 |
| Credit loss provision to net charge-offs | 80.4775% | 3,310 |
| Earnings coverage of net charge-offs (x) | 5.5478% | 2,810 |
| Efficiency ratio | 60.4960% | 5,498 |
| Assets per employee ($millions) | 3.3769% | 5,260 |
| Cash dividends to net income (ytd only)* | 116.3605% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 699 |
| Loan loss allowance to noncurrent loans | 190.1481% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 3,809 |
| Noncurrent loans to loans | 1.6410% | 3,448 |
| Net loans and leases to total assets | 56.1953% | 4,438 |
| Net loans and leases to deposits | 67.6478% | 4,261 |
| Net loans and leases to core deposits | 73.4310% | 4,107 |
| Total domestic deposits to total assets | 83.0704% | 4,731 |
| Equity capital to assets | 11.4552% | 2,631 |
| Core capital (leverage) ratio | 9.9875% | 3,437 |
| Tier 1 risk-based capital ratio | 16.6581% | 2,827 |
| Total risk-based capital ratio | 17.9281% | 2,768 |
| Memoranda: | ||
| Average total assets | $431,219,000 | 1,543 |
| Average earning assets | $399,937,000 | 1,527 |
| Average equity | $49,336,670 | 1,439 |
| Average total loans | $254,595,330 | 1,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 1,299 |
| Cost of funding earning assets | 0.9651% | 2,194 |
| Net interest margin | 4.2442% | 1,626 |
| Noninterest income to average assets | 0.6404% | 2,981 |
| Noninterest expense to average assets | 2.7773% | 4,128 |
| Loan and lease loss provision to assets | 0.5280% | 1,138 |
| Net operating income to assets | 1.2698% | 1,536 |
| Return on assets (ROA) | 1.2707% | 1,704 |
| Pretax return on assets | 1.2707% | 2,648 |
| Return on Equity (ROE) | 11.1132% | 1,976 |
| Retained earnings to average equity (ytd only) | 6.6728% | 2,596 |
| Net charge-offs to loans | 0.9037% | 1,135 |
| Credit loss provision to net charge-offs | 98.1164% | 2,403 |
| Earnings coverage of net charge-offs (x) | 3.3408% | 2,873 |
| Efficiency ratio | 60.7049% | 5,505 |
| Assets per employee ($millions) | 3.4712% | 5,184 |
| Cash dividends to net income (ytd only)* | 39.9565% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0986% | 764 |
| Loan loss allowance to noncurrent loans | 225.2950% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 4,005 |
| Noncurrent loans to loans | 1.3753% | 4,052 |
| Net loans and leases to total assets | 56.8821% | 4,233 |
| Net loans and leases to deposits | 68.5922% | 3,950 |
| Net loans and leases to core deposits | 74.5763% | 3,822 |
| Total domestic deposits to total assets | 82.9280% | 4,958 |
| Equity capital to assets | 11.6530% | 2,298 |
| Core capital (leverage) ratio | 10.2635% | 3,041 |
| Tier 1 risk-based capital ratio | 16.6849% | 2,823 |
| Total risk-based capital ratio | 17.9562% | 2,764 |
| Memoranda: | ||
| Average total assets | $434,083,000 | 1,536 |
| Average earning assets | $402,427,000 | 1,511 |
| Average equity | $49,634,500 | 1,421 |
| Average total loans | $258,489,500 | 1,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 1,364 |
| Cost of funding earning assets | 1.2502% | 1,737 |
| Net interest margin | 4.1699% | 2,156 |
| Noninterest income to average assets | 0.7872% | 2,132 |
| Noninterest expense to average assets | 2.8187% | 4,277 |
| Loan and lease loss provision to assets | 1.2206% | 712 |
| Net operating income to assets | 0.6297% | 3,831 |
| Return on assets (ROA) | 0.9669% | 2,463 |
| Pretax return on assets | 0.9669% | 3,360 |
| Return on Equity (ROE) | 9.2974% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.7535% | 2,819 |
| Net charge-offs to loans | 0.9160% | 1,896 |
| Credit loss provision to net charge-offs | 212.8344% | 1,153 |
| Earnings coverage of net charge-offs (x) | 3.2264% | 3,601 |
| Efficiency ratio | 60.3705% | 5,695 |
| Assets per employee ($millions) | 3.6177% | 4,729 |
| Cash dividends to net income (ytd only)* | 48.8730% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9662% | 839 |
| Loan loss allowance to noncurrent loans | 111.3953% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9884% | 2,980 |
| Noncurrent loans to loans | 2.6628% | 2,440 |
| Net loans and leases to total assets | 58.5907% | 4,268 |
| Net loans and leases to deposits | 70.2152% | 4,058 |
| Net loans and leases to core deposits | 76.3133% | 3,939 |
| Total domestic deposits to total assets | 83.4444% | 4,570 |
| Equity capital to assets | 11.2193% | 2,771 |
| Core capital (leverage) ratio | 9.7545% | 3,670 |
| Tier 1 risk-based capital ratio | 16.0710% | 3,006 |
| Total risk-based capital ratio | 17.3418% | 2,957 |
| Memoranda: | ||
| Average total assets | $449,703,000 | 1,457 |
| Average earning assets | $418,644,000 | 1,433 |
| Average equity | $46,765,600 | 1,458 |
| Average total loans | $281,552,400 | 1,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4686% | 1,341 |
| Cost of funding earning assets | 1.2995% | 1,707 |
| Net interest margin | 4.1692% | 2,211 |
| Noninterest income to average assets | 0.8258% | 1,940 |
| Noninterest expense to average assets | 2.8104% | 4,302 |
| Loan and lease loss provision to assets | 1.1701% | 680 |
| Net operating income to assets | 0.7272% | 3,475 |
| Return on assets (ROA) | 1.1734% | 1,853 |
| Pretax return on assets | 1.1734% | 2,726 |
| Return on Equity (ROE) | 11.5027% | 1,689 |
| Retained earnings to average equity (ytd only) | 5.9592% | 2,578 |
| Net charge-offs to loans | 1.0686% | 1,487 |
| Credit loss provision to net charge-offs | 173.4177% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.8119% | 3,729 |
| Efficiency ratio | 59.6972% | 5,770 |
| Assets per employee ($millions) | 3.5108% | 4,965 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4216% | 1,504 |
| Loan loss allowance to noncurrent loans | 118.2192% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 3,526 |
| Noncurrent loans to loans | 2.0484% | 3,305 |
| Net loans and leases to total assets | 59.7554% | 4,173 |
| Net loans and leases to deposits | 72.0955% | 3,973 |
| Net loans and leases to core deposits | 78.5823% | 3,817 |
| Total domestic deposits to total assets | 82.8837% | 4,725 |
| Equity capital to assets | 11.1287% | 3,024 |
| Core capital (leverage) ratio | 9.6252% | 3,956 |
| Tier 1 risk-based capital ratio | 15.4850% | 3,396 |
| Total risk-based capital ratio | 16.7489% | 3,361 |
| Memoranda: | ||
| Average total assets | $452,694,500 | 1,461 |
| Average earning assets | $421,497,750 | 1,440 |
| Average equity | $46,179,250 | 1,477 |
| Average total loans | $285,862,250 | 1,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4845% | 1,336 |
| Cost of funding earning assets | 1.3525% | 1,635 |
| Net interest margin | 4.1320% | 2,301 |
| Noninterest income to average assets | 0.7033% | 2,534 |
| Noninterest expense to average assets | 2.8143% | 4,370 |
| Loan and lease loss provision to assets | 1.5904% | 439 |
| Net operating income to assets | 0.1503% | 5,881 |
| Return on assets (ROA) | 0.7702% | 3,333 |
| Pretax return on assets | 0.7702% | 4,146 |
| Return on Equity (ROE) | 7.7811% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,509 |
| Net charge-offs to loans | 1.2546% | 1,241 |
| Credit loss provision to net charge-offs | 198.7912% | 1,523 |
| Earnings coverage of net charge-offs (x) | 2.1758% | 3,755 |
| Efficiency ratio | 61.7834% | 5,618 |
| Assets per employee ($millions) | 3.4779% | 4,996 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3868% | 1,612 |
| Loan loss allowance to noncurrent loans | 87.2973% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0228% | 3,205 |
| Noncurrent loans to loans | 2.7342% | 2,662 |
| Net loans and leases to total assets | 61.8084% | 3,923 |
| Net loans and leases to deposits | 73.9709% | 3,811 |
| Net loans and leases to core deposits | 80.9694% | 3,661 |
| Total domestic deposits to total assets | 83.5577% | 4,526 |
| Equity capital to assets | 10.4264% | 3,609 |
| Core capital (leverage) ratio | 9.3137% | 4,233 |
| Tier 1 risk-based capital ratio | 14.8469% | 3,584 |
| Total risk-based capital ratio | 16.1104% | 3,541 |
| Memoranda: | ||
| Average total assets | $454,968,000 | 1,467 |
| Average earning assets | $424,107,000 | 1,442 |
| Average equity | $45,032,330 | 1,496 |
| Average total loans | $290,134,330 | 1,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4187% | 1,502 |
| Cost of funding earning assets | 1.4048% | 1,586 |
| Net interest margin | 4.0139% | 2,628 |
| Noninterest income to average assets | 0.6115% | 3,082 |
| Noninterest expense to average assets | 2.7356% | 4,695 |
| Loan and lease loss provision to assets | 1.9614% | 279 |
| Net operating income to assets | -0.3401% | 6,696 |
| Return on assets (ROA) | 0.3531% | 5,238 |
| Pretax return on assets | 0.3531% | 5,493 |
| Return on Equity (ROE) | 3.6625% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.7758% | 5,515 |
| Net charge-offs to loans | 1.5945% | 849 |
| Credit loss provision to net charge-offs | 192.2421% | 1,540 |
| Earnings coverage of net charge-offs (x) | 1.5891% | 3,519 |
| Efficiency ratio | 62.7870% | 5,556 |
| Assets per employee ($millions) | 3.5002% | 4,996 |
| Cash dividends to net income (ytd only)* | 78.8177% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 2,267 |
| Loan loss allowance to noncurrent loans | 74.0121% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 3,318 |
| Noncurrent loans to loans | 2.7847% | 2,716 |
| Net loans and leases to total assets | 62.3062% | 3,788 |
| Net loans and leases to deposits | 73.7417% | 3,796 |
| Net loans and leases to core deposits | 81.2996% | 3,563 |
| Total domestic deposits to total assets | 84.4925% | 4,273 |
| Equity capital to assets | 9.6930% | 4,187 |
| Core capital (leverage) ratio | 8.9399% | 4,711 |
| Tier 1 risk-based capital ratio | 14.0574% | 4,035 |
| Total risk-based capital ratio | 15.3173% | 4,006 |
| Memoranda: | ||
| Average total assets | $459,868,000 | 1,462 |
| Average earning assets | $429,110,000 | 1,435 |
| Average equity | $44,341,000 | 1,506 |
| Average total loans | $294,262,000 | 1,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 1,823 |
| Cost of funding earning assets | 1.8554% | 981 |
| Net interest margin | 3.7634% | 4,093 |
| Noninterest income to average assets | 0.7775% | 2,391 |
| Noninterest expense to average assets | 2.5937% | 5,447 |
| Loan and lease loss provision to assets | 0.4620% | 3,356 |
| Net operating income to assets | 1.2225% | 1,364 |
| Return on assets (ROA) | 1.3158% | 1,202 |
| Pretax return on assets | 1.3158% | 1,894 |
| Return on Equity (ROE) | 13.9248% | 896 |
| Retained earnings to average equity (ytd only) | 8.2753% | 894 |
| Net charge-offs to loans | 0.3133% | 4,456 |
| Credit loss provision to net charge-offs | 232.6203% | 1,265 |
| Earnings coverage of net charge-offs (x) | 8.4813% | 1,964 |
| Efficiency ratio | 60.6256% | 5,946 |
| Assets per employee ($millions) | 3.3913% | 5,196 |
| Cash dividends to net income (ytd only)* | 40.5715% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 3,355 |
| Loan loss allowance to noncurrent loans | 61.0753% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 3,370 |
| Noncurrent loans to loans | 2.7195% | 2,800 |
| Net loans and leases to total assets | 63.2883% | 4,012 |
| Net loans and leases to deposits | 74.8209% | 4,056 |
| Net loans and leases to core deposits | 83.1054% | 3,733 |
| Total domestic deposits to total assets | 84.5864% | 4,063 |
| Equity capital to assets | 9.5915% | 4,284 |
| Core capital (leverage) ratio | 8.6931% | 5,034 |
| Tier 1 risk-based capital ratio | 13.6926% | 4,065 |
| Total risk-based capital ratio | 14.9475% | 4,036 |
| Memoranda: | ||
| Average total assets | $470,756,800 | 1,421 |
| Average earning assets | $437,902,800 | 1,391 |
| Average equity | $44,481,800 | 1,501 |
| Average total loans | $298,456,200 | 1,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6224% | 1,983 |
| Cost of funding earning assets | 1.9268% | 943 |
| Net interest margin | 3.6956% | 4,423 |
| Noninterest income to average assets | 0.7651% | 2,420 |
| Noninterest expense to average assets | 2.5100% | 5,683 |
| Loan and lease loss provision to assets | 0.3593% | 3,741 |
| Net operating income to assets | 1.3295% | 1,285 |
| Return on assets (ROA) | 1.4529% | 1,092 |
| Pretax return on assets | 1.4529% | 1,742 |
| Return on Equity (ROE) | 15.4334% | 787 |
| Retained earnings to average equity (ytd only) | 9.8928% | 818 |
| Net charge-offs to loans | 0.3386% | 3,950 |
| Credit loss provision to net charge-offs | 167.9842% | 2,220 |
| Earnings coverage of net charge-offs (x) | 7.8960% | 2,246 |
| Efficiency ratio | 59.7785% | 5,987 |
| Assets per employee ($millions) | 3.5239% | 4,918 |
| Cash dividends to net income (ytd only)* | 35.9000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,509 |
| Loan loss allowance to noncurrent loans | 73.7507% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 4,394 |
| Noncurrent loans to loans | 1.8872% | 3,815 |
| Net loans and leases to total assets | 61.7240% | 4,588 |
| Net loans and leases to deposits | 73.5889% | 4,582 |
| Net loans and leases to core deposits | 83.5403% | 4,013 |
| Total domestic deposits to total assets | 83.8769% | 4,196 |
| Equity capital to assets | 9.8874% | 4,308 |
| Core capital (leverage) ratio | 8.4166% | 5,670 |
| Tier 1 risk-based capital ratio | 13.3400% | 4,321 |
| Total risk-based capital ratio | 14.5920% | 4,284 |
| Memoranda: | ||
| Average total assets | $473,143,500 | 1,433 |
| Average earning assets | $439,608,750 | 1,402 |
| Average equity | $44,543,000 | 1,508 |
| Average total loans | $298,864,750 | 1,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 1,950 |
| Cost of funding earning assets | 2.0064% | 898 |
| Net interest margin | 3.6416% | 4,626 |
| Noninterest income to average assets | 0.7810% | 2,227 |
| Noninterest expense to average assets | 2.4582% | 5,886 |
| Loan and lease loss provision to assets | 0.3192% | 3,828 |
| Net operating income to assets | 1.3806% | 1,125 |
| Return on assets (ROA) | 1.4023% | 1,150 |
| Pretax return on assets | 1.4023% | 1,833 |
| Return on Equity (ROE) | 15.1566% | 826 |
| Retained earnings to average equity (ytd only) | 8.8732% | 1,144 |
| Net charge-offs to loans | 0.3238% | 3,706 |
| Credit loss provision to net charge-offs | 155.6017% | 2,532 |
| Earnings coverage of net charge-offs (x) | 8.2863% | 2,160 |
| Efficiency ratio | 59.1198% | 6,196 |
| Assets per employee ($millions) | 3.4028% | 5,176 |
| Cash dividends to net income (ytd only)* | 41.4568% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,829 |
| Loan loss allowance to noncurrent loans | 76.1447% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,298 |
| Noncurrent loans to loans | 1.7262% | 4,101 |
| Net loans and leases to total assets | 62.3796% | 4,607 |
| Net loans and leases to deposits | 74.0979% | 4,663 |
| Net loans and leases to core deposits | 83.4454% | 4,218 |
| Total domestic deposits to total assets | 84.1854% | 4,019 |
| Equity capital to assets | 9.4776% | 4,734 |
| Core capital (leverage) ratio | 8.1747% | 5,987 |
| Tier 1 risk-based capital ratio | 12.8764% | 4,546 |
| Total risk-based capital ratio | 14.1280% | 4,500 |
| Memoranda: | ||
| Average total assets | $469,932,000 | 1,453 |
| Average earning assets | $435,798,000 | 1,426 |
| Average equity | $43,479,330 | 1,525 |
| Average total loans | $297,754,330 | 1,537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6601% | 1,920 |
| Cost of funding earning assets | 1.9321% | 1,318 |
| Net interest margin | 3.7280% | 4,110 |
| Noninterest income to average assets | 0.7654% | 2,203 |
| Noninterest expense to average assets | 2.4178% | 6,023 |
| Loan and lease loss provision to assets | 0.3214% | 3,489 |
| Net operating income to assets | 1.4742% | 935 |
| Return on assets (ROA) | 1.4742% | 1,006 |
| Pretax return on assets | 1.4742% | 1,582 |
| Return on Equity (ROE) | 16.1338% | 699 |
| Retained earnings to average equity (ytd only) | 7.8699% | 1,763 |
| Net charge-offs to loans | 0.4269% | 2,769 |
| Credit loss provision to net charge-offs | 118.6709% | 2,942 |
| Earnings coverage of net charge-offs (x) | 6.6297% | 2,193 |
| Efficiency ratio | 57.3841% | 6,580 |
| Assets per employee ($millions) | 3.3837% | 5,335 |
| Cash dividends to net income (ytd only)* | 51.2209% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,208 |
| Loan loss allowance to noncurrent loans | 97.3008% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 4,872 |
| Noncurrent loans to loans | 1.2856% | 4,829 |
| Net loans and leases to total assets | 62.4758% | 4,663 |
| Net loans and leases to deposits | 74.6723% | 4,647 |
| Net loans and leases to core deposits | 86.9592% | 3,758 |
| Total domestic deposits to total assets | 83.6666% | 4,318 |
| Equity capital to assets | 9.1851% | 5,005 |
| Core capital (leverage) ratio | 8.1249% | 6,031 |
| Tier 1 risk-based capital ratio | 12.4411% | 4,801 |
| Total risk-based capital ratio | 13.6657% | 4,773 |
| Memoranda: | ||
| Average total assets | $466,700,000 | 1,503 |
| Average earning assets | $431,652,500 | 1,479 |
| Average equity | $42,643,500 | 1,569 |
| Average total loans | $296,065,500 | 1,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1634% | 1,338 |
| Cost of funding earning assets | 2.1635% | 2,173 |
| Net interest margin | 3.9999% | 2,864 |
| Noninterest income to average assets | 0.8315% | 2,264 |
| Noninterest expense to average assets | 2.8740% | 4,637 |
| Loan and lease loss provision to assets | 0.3843% | 4,487 |
| Net operating income to assets | 1.2913% | 1,048 |
| Return on assets (ROA) | 1.5136% | 701 |
| Pretax return on assets | 1.5136% | 1,156 |
| Return on Equity (ROE) | 16.2855% | 526 |
| Retained earnings to average equity (ytd only) | 5.9537% | 1,369 |
| Net charge-offs to loans | 0.3294% | 4,586 |
| Credit loss provision to net charge-offs | 186.2187% | 2,180 |
| Earnings coverage of net charge-offs (x) | 8.1185% | 1,998 |
| Efficiency ratio | 63.1704% | 5,934 |
| Assets per employee ($millions) | 3.2372% | 5,633 |
| Cash dividends to net income (ytd only)* | 63.4415% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,979 |
| Loan loss allowance to noncurrent loans | 87.4200% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,839 |
| Noncurrent loans to loans | 1.4434% | 4,506 |
| Net loans and leases to total assets | 62.8115% | 4,851 |
| Net loans and leases to deposits | 75.2977% | 4,840 |
| Net loans and leases to core deposits | 116.6936% | 2,252 |
| Total domestic deposits to total assets | 83.4176% | 4,325 |
| Equity capital to assets | 9.0880% | 5,005 |
| Core capital (leverage) ratio | 8.2255% | 5,767 |
| Tier 1 risk-based capital ratio | 12.4827% | 4,539 |
| Total risk-based capital ratio | 13.7039% | 4,509 |
| Memoranda: | ||
| Average total assets | $425,396,200 | 1,627 |
| Average earning assets | $395,432,800 | 1,606 |
| Average equity | $39,538,200 | 1,701 |
| Average total loans | $266,535,400 | 1,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2214% | 1,319 |
| Cost of funding earning assets | 2.2046% | 2,394 |
| Net interest margin | 4.0168% | 2,735 |
| Noninterest income to average assets | 0.7962% | 2,448 |
| Noninterest expense to average assets | 2.8581% | 4,628 |
| Loan and lease loss provision to assets | 0.3950% | 3,945 |
| Net operating income to assets | 1.2817% | 1,265 |
| Return on assets (ROA) | 1.5479% | 790 |
| Pretax return on assets | 1.5479% | 1,285 |
| Return on Equity (ROE) | 16.5522% | 591 |
| Retained earnings to average equity (ytd only) | 7.7100% | 1,231 |
| Net charge-offs to loans | 0.4373% | 3,490 |
| Credit loss provision to net charge-offs | 144.7831% | 3,362 |
| Earnings coverage of net charge-offs (x) | 6.1454% | 2,658 |
| Efficiency ratio | 63.0246% | 5,919 |
| Assets per employee ($millions) | 3.0835% | 5,946 |
| Cash dividends to net income (ytd only)* | 53.4201% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,321 |
| Loan loss allowance to noncurrent loans | 96.8166% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 5,044 |
| Noncurrent loans to loans | 1.2035% | 4,936 |
| Net loans and leases to total assets | 64.2181% | 4,819 |
| Net loans and leases to deposits | 77.9082% | 4,749 |
| Net loans and leases to core deposits | 122.4174% | 2,036 |
| Total domestic deposits to total assets | 82.4280% | 4,485 |
| Equity capital to assets | 9.6205% | 4,598 |
| Core capital (leverage) ratio | 8.5539% | 5,390 |
| Tier 1 risk-based capital ratio | 14.0887% | 3,494 |
| Total risk-based capital ratio | 15.3391% | 3,438 |
| Memoranda: | ||
| Average total assets | $416,824,000 | 1,674 |
| Average earning assets | $387,964,500 | 1,644 |
| Average equity | $38,978,750 | 1,742 |
| Average total loans | $260,063,000 | 1,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2392% | 1,359 |
| Cost of funding earning assets | 2.2358% | 2,642 |
| Net interest margin | 4.0034% | 2,688 |
| Noninterest income to average assets | 0.7569% | 2,664 |
| Noninterest expense to average assets | 2.8779% | 4,589 |
| Loan and lease loss provision to assets | 0.3465% | 3,847 |
| Net operating income to assets | 1.2630% | 1,323 |
| Return on assets (ROA) | 1.5392% | 824 |
| Pretax return on assets | 1.5392% | 1,353 |
| Return on Equity (ROE) | 16.6305% | 628 |
| Retained earnings to average equity (ytd only) | 7.6140% | 1,348 |
| Net charge-offs to loans | 0.2604% | 3,888 |
| Credit loss provision to net charge-offs | 216.4634% | 2,127 |
| Earnings coverage of net charge-offs (x) | 10.0549% | 2,042 |
| Efficiency ratio | 64.1327% | 5,893 |
| Assets per employee ($millions) | 2.8777% | 6,456 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,780 |
| Loan loss allowance to noncurrent loans | 71.3916% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 4,361 |
| Noncurrent loans to loans | 1.7163% | 3,932 |
| Net loans and leases to total assets | 62.7255% | 5,232 |
| Net loans and leases to deposits | 76.9210% | 5,035 |
| Net loans and leases to core deposits | 116.8091% | 2,641 |
| Total domestic deposits to total assets | 81.5453% | 4,881 |
| Equity capital to assets | 9.1196% | 5,141 |
| Core capital (leverage) ratio | 8.7100% | 5,071 |
| Tier 1 risk-based capital ratio | 14.4457% | 3,277 |
| Total risk-based capital ratio | 15.6968% | 3,216 |
| Memoranda: | ||
| Average total assets | $409,813,330 | 1,713 |
| Average earning assets | $381,875,000 | 1,694 |
| Average equity | $37,930,330 | 1,804 |
| Average total loans | $251,918,000 | 1,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 1,518 |
| Cost of funding earning assets | 2.2934% | 2,729 |
| Net interest margin | 3.9309% | 2,923 |
| Noninterest income to average assets | 0.7497% | 2,601 |
| Noninterest expense to average assets | 2.8235% | 4,453 |
| Loan and lease loss provision to assets | 0.2389% | 4,074 |
| Net operating income to assets | 1.3630% | 1,224 |
| Return on assets (ROA) | 1.5800% | 894 |
| Pretax return on assets | 1.5800% | 1,457 |
| Return on Equity (ROE) | 16.9391% | 691 |
| Retained earnings to average equity (ytd only) | 7.5996% | 1,979 |
| Net charge-offs to loans | 0.1236% | 3,983 |
| Credit loss provision to net charge-offs | 320.0000% | 1,538 |
| Earnings coverage of net charge-offs (x) | 21.4533% | 1,338 |
| Efficiency ratio | 63.8020% | 5,729 |
| Assets per employee ($millions) | 2.6720% | 6,942 |
| Cash dividends to net income (ytd only)* | 55.1355% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,434 |
| Loan loss allowance to noncurrent loans | 52.3134% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5603% | 3,594 |
| Noncurrent loans to loans | 2.3898% | 2,759 |
| Net loans and leases to total assets | 60.2508% | 5,612 |
| Net loans and leases to deposits | 73.6857% | 5,523 |
| Net loans and leases to core deposits | 109.0079% | 3,560 |
| Total domestic deposits to total assets | 81.7673% | 4,648 |
| Equity capital to assets | 9.4401% | 4,759 |
| Core capital (leverage) ratio | 8.8082% | 4,970 |
| Tier 1 risk-based capital ratio | 15.2378% | 2,956 |
| Total risk-based capital ratio | 16.4918% | 2,905 |
| Memoranda: | ||
| Average total assets | $401,771,500 | 1,755 |
| Average earning assets | $375,694,000 | 1,727 |
| Average equity | $37,475,500 | 1,820 |
| Average total loans | $242,647,000 | 2,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5334% | 2,794 |
| Cost of funding earning assets | 2.8766% | 2,365 |
| Net interest margin | 3.6568% | 4,650 |
| Noninterest income to average assets | 0.8299% | 2,348 |
| Noninterest expense to average assets | 2.8416% | 4,636 |
| Loan and lease loss provision to assets | 0.3401% | 3,668 |
| Net operating income to assets | 1.0656% | 2,275 |
| Return on assets (ROA) | 1.3062% | 1,415 |
| Pretax return on assets | 1.3062% | 2,288 |
| Return on Equity (ROE) | 14.3273% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.8729% | 2,099 |
| Net charge-offs to loans | 0.5230% | 2,272 |
| Credit loss provision to net charge-offs | 109.1061% | 4,930 |
| Earnings coverage of net charge-offs (x) | 4.5096% | 3,953 |
| Efficiency ratio | 66.9037% | 4,922 |
| Assets per employee ($millions) | 3.2049% | 5,470 |
| Cash dividends to net income (ytd only)* | 65.9888% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 4,276 |
| Loan loss allowance to noncurrent loans | 59.8205% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 3,486 |
| Noncurrent loans to loans | 2.0645% | 2,673 |
| Net loans and leases to total assets | 59.0233% | 6,046 |
| Net loans and leases to deposits | 72.2429% | 6,032 |
| Net loans and leases to core deposits | 106.5678% | 4,126 |
| Total domestic deposits to total assets | 81.7012% | 4,319 |
| Equity capital to assets | 9.2125% | 5,060 |
| Core capital (leverage) ratio | 8.9422% | 4,826 |
| Tier 1 risk-based capital ratio | 14.4453% | 3,324 |
| Total risk-based capital ratio | 15.6596% | 3,251 |
| Memoranda: | ||
| Average total assets | $384,015,200 | 1,763 |
| Average earning assets | $358,861,600 | 1,729 |
| Average equity | $35,010,000 | 1,931 |
| Average total loans | $228,874,000 | 2,056 |