Home > Dieterich Bank > Performance and Condition Ratios
Dieterich 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 | 4.3692% | 3,331 |
| Cost of funding earning assets | 1.3539% | 2,348 |
| Net interest margin | 3.0152% | 3,245 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.0972% | 3,407 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.7878% | 2,907 |
| Return on assets (ROA) | 0.7882% | 2,888 |
| Pretax return on assets | 1.0353% | 2,574 |
| Return on Equity (ROE) | 9.9400% | 2,511 |
| Retained earnings to average equity (ytd only) | 4.4938% | 2,791 |
| Net charge-offs to loans | 0.1169% | 818 |
| Credit loss provision to net charge-offs | 215.7497% | 1,165 |
| Earnings coverage of net charge-offs (x) | 16.6472% | 1,998 |
| Efficiency ratio | 63.3541% | 2,688 |
| Assets per employee ($millions) | 7.3722% | 1,827 |
| Cash dividends to net income (ytd only)* | 54.7731% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,423 |
| Loan loss allowance to noncurrent loans | 947.9708% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,912 |
| Noncurrent loans to loans | 0.1464% | 2,782 |
| Net loans and leases to total assets | 62.2000% | 2,655 |
| Net loans and leases to deposits | 72.5866% | 2,721 |
| Net loans and leases to core deposits | 82.2378% | 2,571 |
| Total domestic deposits to total assets | 85.7000% | 2,109 |
| Equity capital to assets | 8.1938% | 3,283 |
| Core capital (leverage) ratio | 9.0396% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5715% | 2,391 |
| Memoranda: | ||
| Average total assets | $1,297,094,400 | 806 |
| Average earning assets | $1,185,281,200 | 802 |
| Average equity | $102,897,800 | 923 |
| Average total loans | $792,974,800 | 870 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,356 |
| Cost of funding earning assets | 1.1931% | 2,454 |
| Net interest margin | 3.0690% | 3,204 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.1312% | 3,267 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.7751% | 3,095 |
| Return on assets (ROA) | 0.7757% | 3,084 |
| Pretax return on assets | 1.0144% | 2,813 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | 4.3334% | 3,173 |
| Net charge-offs to loans | 0.1260% | 641 |
| Credit loss provision to net charge-offs | 250.6775% | 983 |
| Earnings coverage of net charge-offs (x) | 15.7873% | 1,949 |
| Efficiency ratio | 63.4093% | 2,573 |
| Assets per employee ($millions) | 7.2649% | 1,780 |
| Cash dividends to net income (ytd only)* | 56.0598% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,407 |
| Loan loss allowance to noncurrent loans | 1,245.2710% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,120 |
| Noncurrent loans to loans | 0.1134% | 3,009 |
| Net loans and leases to total assets | 62.5400% | 2,596 |
| Net loans and leases to deposits | 73.0256% | 2,644 |
| Net loans and leases to core deposits | 81.1303% | 2,523 |
| Total domestic deposits to total assets | 85.6300% | 2,303 |
| Equity capital to assets | 7.5445% | 3,330 |
| Core capital (leverage) ratio | 9.0597% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5726% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,287,774,250 | 814 |
| Average earning assets | $1,176,715,750 | 812 |
| Average equity | $101,288,250 | 933 |
| Average total loans | $780,788,750 | 875 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,429 |
| Cost of funding earning assets | 1.0562% | 2,429 |
| Net interest margin | 3.0729% | 3,277 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.1525% | 3,210 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.7588% | 3,197 |
| Return on assets (ROA) | 0.7596% | 3,216 |
| Pretax return on assets | 0.9907% | 2,939 |
| Return on Equity (ROE) | 9.5300% | 2,823 |
| Retained earnings to average equity (ytd only) | 4.0444% | 3,199 |
| Net charge-offs to loans | 0.1423% | 538 |
| Credit loss provision to net charge-offs | 229.7794% | 990 |
| Earnings coverage of net charge-offs (x) | 13.9688% | 1,890 |
| Efficiency ratio | 64.0202% | 2,489 |
| Assets per employee ($millions) | 7.1040% | 1,847 |
| Cash dividends to net income (ytd only)* | 57.5421% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,455 |
| Loan loss allowance to noncurrent loans | 1,082.4880% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 2,967 |
| Noncurrent loans to loans | 0.1312% | 2,820 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 70.9981% | 2,715 |
| Net loans and leases to core deposits | 77.4083% | 2,663 |
| Total domestic deposits to total assets | 86.0200% | 2,222 |
| Equity capital to assets | 8.0444% | 3,178 |
| Core capital (leverage) ratio | 9.0840% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8986% | 2,333 |
| Memoranda: | ||
| Average total assets | $1,281,139,333 | 805 |
| Average earning assets | $1,171,522,333 | 805 |
| Average equity | $102,165,000 | 924 |
| Average total loans | $764,558,333 | 880 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 3,609 |
| Cost of funding earning assets | 0.9205% | 2,310 |
| Net interest margin | 3.0114% | 3,573 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1799% | 3,148 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.6925% | 3,491 |
| Return on assets (ROA) | 0.6925% | 3,442 |
| Pretax return on assets | 0.8936% | 3,256 |
| Return on Equity (ROE) | 8.7200% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.2069% | 3,458 |
| Net charge-offs to loans | 0.2528% | 303 |
| Credit loss provision to net charge-offs | 137.4207% | 982 |
| Earnings coverage of net charge-offs (x) | 7.4144% | 1,758 |
| Efficiency ratio | 66.0653% | 2,198 |
| Assets per employee ($millions) | 7.1340% | 1,870 |
| Cash dividends to net income (ytd only)* | 63.2340% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,569 |
| Loan loss allowance to noncurrent loans | 134.1670% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 807 |
| Noncurrent loans to loans | 1.0536% | 689 |
| Net loans and leases to total assets | 58.5600% | 2,815 |
| Net loans and leases to deposits | 66.3645% | 2,901 |
| Net loans and leases to core deposits | 71.2598% | 2,868 |
| Total domestic deposits to total assets | 88.2400% | 1,841 |
| Equity capital to assets | 8.1244% | 3,158 |
| Core capital (leverage) ratio | 9.0339% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9005% | 2,424 |
| Memoranda: | ||
| Average total assets | $1,278,801,000 | 826 |
| Average earning assets | $1,169,827,000 | 824 |
| Average equity | $101,529,500 | 937 |
| Average total loans | $748,551,500 | 910 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 3,560 |
| Cost of funding earning assets | 0.4392% | 1,795 |
| Net interest margin | 2.8726% | 3,748 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.0630% | 3,409 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.7421% | 3,505 |
| Return on assets (ROA) | 0.7421% | 3,444 |
| Pretax return on assets | 0.9658% | 3,174 |
| Return on Equity (ROE) | 9.3300% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.8493% | 3,445 |
| Net charge-offs to loans | 0.1331% | 596 |
| Credit loss provision to net charge-offs | 230.6867% | 1,040 |
| Earnings coverage of net charge-offs (x) | 15.6148% | 1,998 |
| Efficiency ratio | 64.0778% | 2,477 |
| Assets per employee ($millions) | 7.3189% | 1,740 |
| Cash dividends to net income (ytd only)* | 58.7618% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 1,566 |
| Loan loss allowance to noncurrent loans | 119.5616% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 746 |
| Noncurrent loans to loans | 1.1557% | 610 |
| Net loans and leases to total assets | 56.8600% | 2,931 |
| Net loans and leases to deposits | 64.1724% | 3,028 |
| Net loans and leases to core deposits | 67.8611% | 3,023 |
| Total domestic deposits to total assets | 88.6100% | 1,841 |
| Equity capital to assets | 7.7529% | 3,216 |
| Core capital (leverage) ratio | 8.5767% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5242% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,284,259,400 | 800 |
| Average earning assets | $1,183,364,200 | 800 |
| Average equity | $102,097,200 | 931 |
| Average total loans | $700,276,800 | 907 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 3,483 |
| Cost of funding earning assets | 0.3378% | 1,796 |
| Net interest margin | 2.8415% | 3,647 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.0935% | 3,223 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7338% | 3,470 |
| Return on assets (ROA) | 0.7338% | 3,414 |
| Pretax return on assets | 0.9558% | 3,156 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.7342% | 3,537 |
| Net charge-offs to loans | 0.0089% | 1,798 |
| Credit loss provision to net charge-offs | 2,608.6957% | 199 |
| Earnings coverage of net charge-offs (x) | 226.6522% | 581 |
| Efficiency ratio | 65.4947% | 2,345 |
| Assets per employee ($millions) | 7.6076% | 1,547 |
| Cash dividends to net income (ytd only)* | 59.2969% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,690 |
| Loan loss allowance to noncurrent loans | 651.2920% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,718 |
| Noncurrent loans to loans | 0.2112% | 2,551 |
| Net loans and leases to total assets | 57.5900% | 2,751 |
| Net loans and leases to deposits | 66.7109% | 2,657 |
| Net loans and leases to core deposits | 69.5170% | 2,674 |
| Total domestic deposits to total assets | 86.3300% | 2,975 |
| Equity capital to assets | 7.6579% | 3,120 |
| Core capital (leverage) ratio | 8.6465% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0428% | 2,803 |
| Memoranda: | ||
| Average total assets | $1,286,953,500 | 806 |
| Average earning assets | $1,188,417,750 | 809 |
| Average equity | $102,938,500 | 938 |
| Average total loans | $691,769,750 | 915 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 3,587 |
| Cost of funding earning assets | 0.3128% | 1,595 |
| Net interest margin | 2.6770% | 3,750 |
| Noninterest income to average assets | 0.5329% | 2,030 |
| Noninterest expense to average assets | 1.8962% | 3,714 |
| Loan and lease loss provision to assets | 0.1233% | 800 |
| Net operating income to assets | 0.7525% | 3,134 |
| Return on assets (ROA) | 0.7525% | 3,088 |
| Pretax return on assets | 0.9920% | 2,763 |
| Return on Equity (ROE) | 9.2805% | 2,605 |
| Retained earnings to average equity (ytd only) | 3.9578% | 3,095 |
| Net charge-offs to loans | 0.0133% | 1,519 |
| Credit loss provision to net charge-offs | 1,777.7778% | 264 |
| Earnings coverage of net charge-offs (x) | 160.8000% | 609 |
| Efficiency ratio | 62.4731% | 2,981 |
| Assets per employee ($millions) | 7.5247% | 1,593 |
| Cash dividends to net income (ytd only)* | 57.3535% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,886 |
| Loan loss allowance to noncurrent loans | 470.5053% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 2,558 |
| Noncurrent loans to loans | 0.2911% | 2,307 |
| Net loans and leases to total assets | 54.1976% | 2,943 |
| Net loans and leases to deposits | 60.7831% | 2,992 |
| Net loans and leases to core deposits | 62.6154% | 3,064 |
| Total domestic deposits to total assets | 89.1655% | 2,105 |
| Equity capital to assets | 6.9006% | 3,819 |
| Core capital (leverage) ratio | 7.6641% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3544% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,297,519,000 | 797 |
| Average earning assets | $1,201,406,333 | 797 |
| Average equity | $105,209,333 | 931 |
| Average total loans | $678,027,667 | 917 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7733% | 3,796 |
| Cost of funding earning assets | 0.3134% | 1,528 |
| Net interest margin | 2.4599% | 3,979 |
| Noninterest income to average assets | 0.5492% | 1,900 |
| Noninterest expense to average assets | 1.8758% | 3,737 |
| Loan and lease loss provision to assets | 0.0768% | 1,069 |
| Net operating income to assets | 0.6742% | 3,148 |
| Return on assets (ROA) | 0.6742% | 3,132 |
| Pretax return on assets | 0.8832% | 2,841 |
| Return on Equity (ROE) | 7.7448% | 2,780 |
| Retained earnings to average equity (ytd only) | 2.8073% | 3,334 |
| Net charge-offs to loans | 0.0295% | 1,017 |
| Credit loss provision to net charge-offs | 510.2041% | 511 |
| Earnings coverage of net charge-offs (x) | 63.8163% | 833 |
| Efficiency ratio | 65.6274% | 2,813 |
| Assets per employee ($millions) | 7.4674% | 1,706 |
| Cash dividends to net income (ytd only)* | 63.7523% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,999 |
| Loan loss allowance to noncurrent loans | 366.7738% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,449 |
| Noncurrent loans to loans | 0.3755% | 2,143 |
| Net loans and leases to total assets | 50.0244% | 3,171 |
| Net loans and leases to deposits | 57.8580% | 3,090 |
| Net loans and leases to core deposits | 59.6660% | 3,177 |
| Total domestic deposits to total assets | 86.4607% | 3,116 |
| Equity capital to assets | 8.1846% | 3,418 |
| Core capital (leverage) ratio | 7.4132% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7040% | 2,951 |
| Memoranda: | ||
| Average total assets | $1,302,918,500 | 799 |
| Average earning assets | $1,211,129,000 | 800 |
| Average equity | $113,418,000 | 901 |
| Average total loans | $663,514,500 | 924 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0457% | 3,789 |
| Cost of funding earning assets | 0.3613% | 1,846 |
| Net interest margin | 2.6844% | 3,901 |
| Noninterest income to average assets | 0.6186% | 2,081 |
| Noninterest expense to average assets | 1.9387% | 3,843 |
| Loan and lease loss provision to assets | 0.1316% | 928 |
| Net operating income to assets | 0.8110% | 3,301 |
| Return on assets (ROA) | 0.8110% | 3,373 |
| Pretax return on assets | 1.0607% | 3,102 |
| Return on Equity (ROE) | 8.7286% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.7232% | 2,465 |
| Net charge-offs to loans | 0.0868% | 940 |
| Credit loss provision to net charge-offs | 298.9130% | 1,068 |
| Earnings coverage of net charge-offs (x) | 27.0743% | 1,688 |
| Efficiency ratio | 61.4285% | 2,947 |
| Assets per employee ($millions) | 7.7787% | 1,450 |
| Cash dividends to net income (ytd only)* | 34.4319% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,167 |
| Loan loss allowance to noncurrent loans | 326.7936% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,475 |
| Noncurrent loans to loans | 0.4113% | 2,126 |
| Net loans and leases to total assets | 50.4414% | 3,231 |
| Net loans and leases to deposits | 59.9000% | 3,083 |
| Net loans and leases to core deposits | 61.7357% | 3,191 |
| Total domestic deposits to total assets | 84.2094% | 3,505 |
| Equity capital to assets | 9.2283% | 3,391 |
| Core capital (leverage) ratio | 7.4069% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9584% | 2,903 |
| Memoranda: | ||
| Average total assets | $1,253,379,800 | 796 |
| Average earning assets | $1,173,121,400 | 796 |
| Average equity | $116,456,400 | 896 |
| Average total loans | $636,110,200 | 954 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 3,839 |
| Cost of funding earning assets | 0.3714% | 1,926 |
| Net interest margin | 2.7161% | 3,937 |
| Noninterest income to average assets | 0.6306% | 2,096 |
| Noninterest expense to average assets | 1.9261% | 3,879 |
| Loan and lease loss provision to assets | 0.1395% | 812 |
| Net operating income to assets | 0.8341% | 3,435 |
| Return on assets (ROA) | 0.8341% | 3,494 |
| Pretax return on assets | 1.1093% | 3,176 |
| Return on Equity (ROE) | 8.9617% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.6549% | 2,553 |
| Net charge-offs to loans | 0.1214% | 648 |
| Credit loss provision to net charge-offs | 226.8761% | 1,152 |
| Earnings coverage of net charge-offs (x) | 20.3019% | 1,735 |
| Efficiency ratio | 60.1792% | 2,959 |
| Assets per employee ($millions) | 7.5016% | 1,571 |
| Cash dividends to net income (ytd only)* | 25.7400% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,329 |
| Loan loss allowance to noncurrent loans | 359.3868% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,832 |
| Noncurrent loans to loans | 0.3704% | 2,455 |
| Net loans and leases to total assets | 49.7396% | 3,437 |
| Net loans and leases to deposits | 59.6160% | 3,267 |
| Net loans and leases to core deposits | 61.3130% | 3,380 |
| Total domestic deposits to total assets | 83.4333% | 3,599 |
| Equity capital to assets | 9.5110% | 3,353 |
| Core capital (leverage) ratio | 7.4990% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1239% | 2,940 |
| Memoranda: | ||
| Average total assets | $1,241,965,750 | 812 |
| Average earning assets | $1,163,452,000 | 804 |
| Average equity | $115,600,750 | 910 |
| Average total loans | $629,092,750 | 978 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0608% | 3,938 |
| Cost of funding earning assets | 0.3838% | 2,026 |
| Net interest margin | 2.6770% | 4,027 |
| Noninterest income to average assets | 0.6319% | 2,077 |
| Noninterest expense to average assets | 1.8966% | 3,975 |
| Loan and lease loss provision to assets | 0.1544% | 762 |
| Net operating income to assets | 0.8251% | 3,437 |
| Return on assets (ROA) | 0.8251% | 3,506 |
| Pretax return on assets | 1.0926% | 3,241 |
| Return on Equity (ROE) | 8.9319% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.4140% | 3,033 |
| Net charge-offs to loans | 0.1857% | 459 |
| Credit loss provision to net charge-offs | 163.7931% | 1,130 |
| Earnings coverage of net charge-offs (x) | 13.2310% | 1,701 |
| Efficiency ratio | 59.8367% | 3,037 |
| Assets per employee ($millions) | 7.5836% | 1,429 |
| Cash dividends to net income (ytd only)* | 39.3856% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,316 |
| Loan loss allowance to noncurrent loans | 222.0417% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 2,433 |
| Noncurrent loans to loans | 0.5964% | 1,912 |
| Net loans and leases to total assets | 48.2494% | 3,704 |
| Net loans and leases to deposits | 57.7313% | 3,569 |
| Net loans and leases to core deposits | 59.2159% | 3,674 |
| Total domestic deposits to total assets | 83.5758% | 3,551 |
| Equity capital to assets | 9.2845% | 3,523 |
| Core capital (leverage) ratio | 7.3198% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0336% | 2,950 |
| Memoranda: | ||
| Average total assets | $1,230,866,333 | 812 |
| Average earning assets | $1,154,809,000 | 802 |
| Average equity | $113,704,333 | 916 |
| Average total loans | $624,501,000 | 987 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9809% | 4,129 |
| Cost of funding earning assets | 0.4038% | 2,063 |
| Net interest margin | 2.5771% | 4,190 |
| Noninterest income to average assets | 0.6657% | 1,972 |
| Noninterest expense to average assets | 1.8868% | 4,014 |
| Loan and lease loss provision to assets | 0.1649% | 763 |
| Net operating income to assets | 0.7821% | 3,477 |
| Return on assets (ROA) | 0.7821% | 3,544 |
| Pretax return on assets | 1.0321% | 3,287 |
| Return on Equity (ROE) | 8.4893% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.5524% | 3,354 |
| Net charge-offs to loans | 0.1977% | 411 |
| Credit loss provision to net charge-offs | 161.2903% | 959 |
| Earnings coverage of net charge-offs (x) | 11.7097% | 1,443 |
| Efficiency ratio | 60.6715% | 2,956 |
| Assets per employee ($millions) | 7.4374% | 1,493 |
| Cash dividends to net income (ytd only)* | 46.3744% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,561 |
| Loan loss allowance to noncurrent loans | 194.8967% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 2,300 |
| Noncurrent loans to loans | 0.6539% | 1,935 |
| Net loans and leases to total assets | 50.3235% | 3,593 |
| Net loans and leases to deposits | 60.0262% | 3,481 |
| Net loans and leases to core deposits | 61.5153% | 3,610 |
| Total domestic deposits to total assets | 83.8359% | 3,486 |
| Equity capital to assets | 8.9543% | 3,731 |
| Core capital (leverage) ratio | 7.2473% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6694% | 2,986 |
| Memoranda: | ||
| Average total assets | $1,213,071,500 | 813 |
| Average earning assets | $1,138,166,500 | 805 |
| Average equity | $111,764,500 | 920 |
| Average total loans | $627,122,500 | 979 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 4,063 |
| Cost of funding earning assets | 0.6484% | 2,002 |
| Net interest margin | 2.8329% | 4,206 |
| Noninterest income to average assets | 0.6674% | 1,960 |
| Noninterest expense to average assets | 2.1740% | 3,745 |
| Loan and lease loss provision to assets | 0.2086% | 1,888 |
| Net operating income to assets | 0.7810% | 3,167 |
| Return on assets (ROA) | 0.7900% | 3,250 |
| Pretax return on assets | 0.9632% | 3,168 |
| Return on Equity (ROE) | 8.2531% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.0243% | 1,785 |
| Net charge-offs to loans | 0.0346% | 2,355 |
| Credit loss provision to net charge-offs | 1,034.0314% | 764 |
| Earnings coverage of net charge-offs (x) | 57.5445% | 1,090 |
| Efficiency ratio | 64.9892% | 2,682 |
| Assets per employee ($millions) | 7.3100% | 1,394 |
| Cash dividends to net income (ytd only)* | 27.0053% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,663 |
| Loan loss allowance to noncurrent loans | 124.9402% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 1,791 |
| Noncurrent loans to loans | 1.0028% | 1,416 |
| Net loans and leases to total assets | 51.7901% | 3,679 |
| Net loans and leases to deposits | 61.8229% | 3,617 |
| Net loans and leases to core deposits | 63.3914% | 3,740 |
| Total domestic deposits to total assets | 83.7717% | 3,178 |
| Equity capital to assets | 9.4818% | 3,635 |
| Core capital (leverage) ratio | 7.6354% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7233% | 2,988 |
| Memoranda: | ||
| Average total assets | $946,861,600 | 929 |
| Average earning assets | $891,567,600 | 908 |
| Average equity | $90,633,000 | 1,051 |
| Average total loans | $551,408,800 | 1,052 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,021 |
| Cost of funding earning assets | 0.7408% | 1,796 |
| Net interest margin | 2.8534% | 4,256 |
| Noninterest income to average assets | 0.6633% | 1,932 |
| Noninterest expense to average assets | 2.1878% | 3,710 |
| Loan and lease loss provision to assets | 0.2371% | 1,713 |
| Net operating income to assets | 0.7635% | 3,234 |
| Return on assets (ROA) | 0.7742% | 3,304 |
| Pretax return on assets | 0.9415% | 3,258 |
| Return on Equity (ROE) | 8.0628% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.5421% | 1,873 |
| Net charge-offs to loans | 0.0123% | 2,672 |
| Credit loss provision to net charge-offs | 3,214.2857% | 332 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 578 |
| Efficiency ratio | 65.1493% | 2,573 |
| Assets per employee ($millions) | 6.6511% | 1,711 |
| Cash dividends to net income (ytd only)* | 18.8606% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,313 |
| Loan loss allowance to noncurrent loans | 114.9188% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 1,700 |
| Noncurrent loans to loans | 1.1025% | 1,369 |
| Net loans and leases to total assets | 54.0942% | 3,796 |
| Net loans and leases to deposits | 64.7643% | 3,729 |
| Net loans and leases to core deposits | 66.7712% | 3,845 |
| Total domestic deposits to total assets | 83.5247% | 2,983 |
| Equity capital to assets | 10.2195% | 3,044 |
| Core capital (leverage) ratio | 8.5535% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1986% | 2,870 |
| Memoranda: | ||
| Average total assets | $885,692,750 | 967 |
| Average earning assets | $834,971,750 | 948 |
| Average equity | $85,046,500 | 1,090 |
| Average total loans | $533,029,000 | 1,077 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,833 |
| Cost of funding earning assets | 0.8591% | 1,550 |
| Net interest margin | 2.9524% | 4,224 |
| Noninterest income to average assets | 0.6886% | 1,784 |
| Noninterest expense to average assets | 2.1392% | 3,952 |
| Loan and lease loss provision to assets | 0.2753% | 1,553 |
| Net operating income to assets | 0.8728% | 2,799 |
| Return on assets (ROA) | 0.8880% | 2,858 |
| Pretax return on assets | 1.0916% | 2,730 |
| Return on Equity (ROE) | 9.5202% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.0742% | 984 |
| Net charge-offs to loans | 0.0160% | 2,419 |
| Credit loss provision to net charge-offs | 2,743.9024% | 381 |
| Earnings coverage of net charge-offs (x) | 134.3659% | 571 |
| Efficiency ratio | 61.3431% | 3,228 |
| Assets per employee ($millions) | 6.5451% | 1,744 |
| Cash dividends to net income (ytd only)* | 4.6845% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,637 |
| Loan loss allowance to noncurrent loans | 100.4792% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,305 |
| Noncurrent loans to loans | 1.3785% | 1,119 |
| Net loans and leases to total assets | 60.1166% | 3,312 |
| Net loans and leases to deposits | 74.8323% | 2,988 |
| Net loans and leases to core deposits | 77.4843% | 3,153 |
| Total domestic deposits to total assets | 80.3351% | 3,764 |
| Equity capital to assets | 9.5019% | 3,660 |
| Core capital (leverage) ratio | 9.0713% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5655% | 2,786 |
| Memoranda: | ||
| Average total assets | $817,330,000 | 1,010 |
| Average earning assets | $774,748,667 | 993 |
| Average equity | $76,238,000 | 1,183 |
| Average total loans | $511,498,333 | 1,098 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 4,237 |
| Cost of funding earning assets | 0.9593% | 1,611 |
| Net interest margin | 2.8384% | 4,524 |
| Noninterest income to average assets | 0.5946% | 2,063 |
| Noninterest expense to average assets | 2.1432% | 4,130 |
| Loan and lease loss provision to assets | 0.1990% | 1,524 |
| Net operating income to assets | 0.7722% | 3,014 |
| Return on assets (ROA) | 0.8036% | 2,985 |
| Pretax return on assets | 0.9748% | 2,916 |
| Return on Equity (ROE) | 8.7010% | 2,237 |
| Retained earnings to average equity (ytd only) | 8.7010% | 1,051 |
| Net charge-offs to loans | 0.0447% | 1,581 |
| Credit loss provision to net charge-offs | 701.7544% | 722 |
| Earnings coverage of net charge-offs (x) | 40.0351% | 1,026 |
| Efficiency ratio | 65.3665% | 3,043 |
| Assets per employee ($millions) | 6.1650% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,445 |
| Loan loss allowance to noncurrent loans | 94.6519% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 1,407 |
| Noncurrent loans to loans | 1.3114% | 1,244 |
| Net loans and leases to total assets | 63.4279% | 3,132 |
| Net loans and leases to deposits | 79.9426% | 2,686 |
| Net loans and leases to core deposits | 83.3366% | 2,903 |
| Total domestic deposits to total assets | 79.3418% | 3,984 |
| Equity capital to assets | 9.3098% | 4,384 |
| Core capital (leverage) ratio | 9.3474% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4106% | 2,528 |
| Memoranda: | ||
| Average total assets | $803,839,000 | 998 |
| Average earning assets | $760,157,000 | 983 |
| Average equity | $74,244,000 | 1,212 |
| Average total loans | $509,897,000 | 1,084 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,805 |
| Cost of funding earning assets | 1.0476% | 1,523 |
| Net interest margin | 3.1569% | 4,273 |
| Noninterest income to average assets | 0.5969% | 2,237 |
| Noninterest expense to average assets | 2.2302% | 4,106 |
| Loan and lease loss provision to assets | 0.1913% | 1,071 |
| Net operating income to assets | 0.9407% | 3,055 |
| Return on assets (ROA) | 0.9437% | 3,129 |
| Pretax return on assets | 1.1623% | 2,976 |
| Return on Equity (ROE) | 10.0724% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,870 |
| Net charge-offs to loans | 0.2473% | 835 |
| Credit loss provision to net charge-offs | 111.2026% | 2,247 |
| Earnings coverage of net charge-offs (x) | 7.8484% | 2,838 |
| Efficiency ratio | 62.2858% | 3,328 |
| Assets per employee ($millions) | 6.3483% | 1,387 |
| Cash dividends to net income (ytd only)* | 40.4594% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,452 |
| Loan loss allowance to noncurrent loans | 76.3770% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 1,218 |
| Noncurrent loans to loans | 1.5673% | 903 |
| Net loans and leases to total assets | 61.8952% | 3,411 |
| Net loans and leases to deposits | 74.7165% | 3,289 |
| Net loans and leases to core deposits | 77.6633% | 3,467 |
| Total domestic deposits to total assets | 82.8401% | 3,250 |
| Equity capital to assets | 9.1630% | 4,602 |
| Core capital (leverage) ratio | 9.8304% | 3,696 |
| Tier 1 risk-based capital ratio | 12.4563% | 4,104 |
| Total risk-based capital ratio | 13.4971% | 4,089 |
| Memoranda: | ||
| Average total assets | $705,819,600 | 1,060 |
| Average earning assets | $666,973,800 | 1,035 |
| Average equity | $66,131,000 | 1,279 |
| Average total loans | $490,880,000 | 1,094 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 3,633 |
| Cost of funding earning assets | 1.0672% | 1,481 |
| Net interest margin | 3.2406% | 4,210 |
| Noninterest income to average assets | 0.5680% | 2,366 |
| Noninterest expense to average assets | 2.2564% | 4,060 |
| Loan and lease loss provision to assets | 0.0930% | 2,048 |
| Net operating income to assets | 0.9689% | 3,089 |
| Return on assets (ROA) | 0.9729% | 3,156 |
| Pretax return on assets | 1.2808% | 2,725 |
| Return on Equity (ROE) | 10.3162% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,504 |
| Net charge-offs to loans | 0.0260% | 2,574 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 73.5599% | 917 |
| Efficiency ratio | 62.2325% | 3,291 |
| Assets per employee ($millions) | 5.7653% | 1,794 |
| Cash dividends to net income (ytd only)* | 44.6347% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,190 |
| Loan loss allowance to noncurrent loans | 100.2390% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 1,435 |
| Noncurrent loans to loans | 1.2544% | 1,246 |
| Net loans and leases to total assets | 69.6570% | 2,526 |
| Net loans and leases to deposits | 87.0105% | 2,060 |
| Net loans and leases to core deposits | 90.3797% | 2,518 |
| Total domestic deposits to total assets | 80.0559% | 3,981 |
| Equity capital to assets | 10.2513% | 3,777 |
| Core capital (leverage) ratio | 9.9874% | 3,653 |
| Tier 1 risk-based capital ratio | 12.3084% | 4,255 |
| Total risk-based capital ratio | 13.3970% | 4,231 |
| Memoranda: | ||
| Average total assets | $680,716,000 | 1,100 |
| Average earning assets | $642,178,000 | 1,075 |
| Average equity | $64,195,000 | 1,309 |
| Average total loans | $487,333,500 | 1,105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 3,752 |
| Cost of funding earning assets | 1.0453% | 1,512 |
| Net interest margin | 3.2179% | 4,324 |
| Noninterest income to average assets | 0.5524% | 2,376 |
| Noninterest expense to average assets | 2.2805% | 4,055 |
| Loan and lease loss provision to assets | 0.0745% | 2,328 |
| Net operating income to assets | 0.9365% | 3,145 |
| Return on assets (ROA) | 0.9320% | 3,221 |
| Pretax return on assets | 1.2288% | 2,816 |
| Return on Equity (ROE) | 10.1953% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.7560% | 2,394 |
| Net charge-offs to loans | 0.0054% | 2,962 |
| Credit loss provision to net charge-offs | 1,923.0769% | 198 |
| Earnings coverage of net charge-offs (x) | 337.9231% | 230 |
| Efficiency ratio | 63.5179% | 3,211 |
| Assets per employee ($millions) | 5.7516% | 1,738 |
| Cash dividends to net income (ytd only)* | 43.5422% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,269 |
| Loan loss allowance to noncurrent loans | 101.7381% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 1,490 |
| Noncurrent loans to loans | 1.2266% | 1,299 |
| Net loans and leases to total assets | 70.4652% | 2,462 |
| Net loans and leases to deposits | 83.7871% | 2,513 |
| Net loans and leases to core deposits | 88.4216% | 2,753 |
| Total domestic deposits to total assets | 84.1003% | 2,814 |
| Equity capital to assets | 9.2126% | 4,639 |
| Core capital (leverage) ratio | 9.1393% | 4,518 |
| Tier 1 risk-based capital ratio | 10.9851% | 4,915 |
| Total risk-based capital ratio | 12.0719% | 4,897 |
| Memoranda: | ||
| Average total assets | $671,243,670 | 1,109 |
| Average earning assets | $633,527,000 | 1,090 |
| Average equity | $61,361,670 | 1,354 |
| Average total loans | $483,027,670 | 1,116 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,796 |
| Cost of funding earning assets | 1.0028% | 1,555 |
| Net interest margin | 3.2205% | 4,346 |
| Noninterest income to average assets | 0.5398% | 2,340 |
| Noninterest expense to average assets | 2.2781% | 4,080 |
| Loan and lease loss provision to assets | 0.0756% | 2,172 |
| Net operating income to assets | 0.9307% | 3,121 |
| Return on assets (ROA) | 0.9302% | 3,159 |
| Pretax return on assets | 1.2216% | 2,725 |
| Return on Equity (ROE) | 10.2174% | 2,271 |
| Retained earnings to average equity (ytd only) | 5.7693% | 2,560 |
| Net charge-offs to loans | 0.0033% | 2,619 |
| Credit loss provision to net charge-offs | 3,125.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 536.7500% | 133 |
| Efficiency ratio | 63.6748% | 3,289 |
| Assets per employee ($millions) | 5.5693% | 1,920 |
| Cash dividends to net income (ytd only)* | 43.5348% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,300 |
| Loan loss allowance to noncurrent loans | 120.6441% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 1,754 |
| Noncurrent loans to loans | 1.0391% | 1,606 |
| Net loans and leases to total assets | 71.0834% | 2,312 |
| Net loans and leases to deposits | 84.4613% | 2,332 |
| Net loans and leases to core deposits | 89.2818% | 2,578 |
| Total domestic deposits to total assets | 84.1609% | 2,988 |
| Equity capital to assets | 9.1544% | 4,575 |
| Core capital (leverage) ratio | 9.2757% | 4,387 |
| Tier 1 risk-based capital ratio | 11.0579% | 4,949 |
| Total risk-based capital ratio | 12.1473% | 4,926 |
| Memoranda: | ||
| Average total assets | $661,767,000 | 1,132 |
| Average earning assets | $623,873,500 | 1,112 |
| Average equity | $60,250,000 | 1,372 |
| Average total loans | $478,294,000 | 1,129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,832 |
| Cost of funding earning assets | 0.7760% | 1,655 |
| Net interest margin | 3.2961% | 4,267 |
| Noninterest income to average assets | 0.5969% | 2,310 |
| Noninterest expense to average assets | 2.4101% | 3,851 |
| Loan and lease loss provision to assets | 0.0481% | 3,217 |
| Net operating income to assets | 0.9433% | 3,275 |
| Return on assets (ROA) | 0.9314% | 3,313 |
| Pretax return on assets | 1.2182% | 2,819 |
| Return on Equity (ROE) | 10.3604% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.7568% | 2,318 |
| Net charge-offs to loans | 0.0351% | 2,703 |
| Credit loss provision to net charge-offs | 195.5414% | 1,474 |
| Earnings coverage of net charge-offs (x) | 52.0446% | 1,104 |
| Efficiency ratio | 65.0792% | 3,015 |
| Assets per employee ($millions) | 5.5060% | 1,948 |
| Cash dividends to net income (ytd only)* | 44.4351% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,335 |
| Loan loss allowance to noncurrent loans | 113.3052% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 1,593 |
| Noncurrent loans to loans | 1.0970% | 1,479 |
| Net loans and leases to total assets | 71.6685% | 2,318 |
| Net loans and leases to deposits | 85.5094% | 2,346 |
| Net loans and leases to core deposits | 90.9555% | 2,498 |
| Total domestic deposits to total assets | 83.8136% | 3,057 |
| Equity capital to assets | 9.0535% | 4,535 |
| Core capital (leverage) ratio | 9.4350% | 4,194 |
| Tier 1 risk-based capital ratio | 11.0715% | 4,941 |
| Total risk-based capital ratio | 12.1469% | 4,909 |
| Memoranda: | ||
| Average total assets | $637,642,400 | 1,144 |
| Average earning assets | $598,674,800 | 1,116 |
| Average equity | $57,324,000 | 1,378 |
| Average total loans | $447,365,200 | 1,148 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,870 |
| Cost of funding earning assets | 0.7417% | 1,615 |
| Net interest margin | 3.2768% | 4,344 |
| Noninterest income to average assets | 0.5940% | 2,342 |
| Noninterest expense to average assets | 2.4123% | 3,827 |
| Loan and lease loss provision to assets | 0.0383% | 3,238 |
| Net operating income to assets | 0.9317% | 3,385 |
| Return on assets (ROA) | 0.9190% | 3,443 |
| Pretax return on assets | 1.2008% | 2,978 |
| Return on Equity (ROE) | 10.2417% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.6171% | 2,874 |
| Net charge-offs to loans | 0.0415% | 2,253 |
| Credit loss provision to net charge-offs | 132.8467% | 1,862 |
| Earnings coverage of net charge-offs (x) | 43.5114% | 1,277 |
| Efficiency ratio | 65.5644% | 2,947 |
| Assets per employee ($millions) | 5.3006% | 2,121 |
| Cash dividends to net income (ytd only)* | 45.1546% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,159 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,745 |
| Noncurrent loans to loans | 1.0296% | 1,666 |
| Net loans and leases to total assets | 69.9989% | 2,648 |
| Net loans and leases to deposits | 82.6494% | 2,752 |
| Net loans and leases to core deposits | 87.8150% | 2,853 |
| Total domestic deposits to total assets | 84.6938% | 2,724 |
| Equity capital to assets | 9.0168% | 4,533 |
| Core capital (leverage) ratio | 9.4629% | 4,218 |
| Tier 1 risk-based capital ratio | 11.3119% | 4,891 |
| Total risk-based capital ratio | 12.4076% | 4,865 |
| Memoranda: | ||
| Average total assets | $633,248,500 | 1,155 |
| Average earning assets | $593,946,500 | 1,123 |
| Average equity | $56,825,000 | 1,386 |
| Average total loans | $440,332,750 | 1,163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,780 |
| Cost of funding earning assets | 0.7098% | 1,571 |
| Net interest margin | 3.2927% | 4,270 |
| Noninterest income to average assets | 0.5564% | 2,543 |
| Noninterest expense to average assets | 2.4548% | 3,761 |
| Loan and lease loss provision to assets | 0.0576% | 2,756 |
| Net operating income to assets | 0.8693% | 3,584 |
| Return on assets (ROA) | 0.8553% | 3,650 |
| Pretax return on assets | 1.1077% | 3,286 |
| Return on Equity (ROE) | 9.5465% | 2,774 |
| Retained earnings to average equity (ytd only) | 4.9533% | 3,099 |
| Net charge-offs to loans | 0.0540% | 1,832 |
| Credit loss provision to net charge-offs | 154.2373% | 1,549 |
| Earnings coverage of net charge-offs (x) | 31.6949% | 1,450 |
| Efficiency ratio | 67.2724% | 2,767 |
| Assets per employee ($millions) | 5.1680% | 2,229 |
| Cash dividends to net income (ytd only)* | 48.1139% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,067 |
| Loan loss allowance to noncurrent loans | 121.8155% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 1,702 |
| Noncurrent loans to loans | 1.0849% | 1,626 |
| Net loans and leases to total assets | 69.5387% | 2,644 |
| Net loans and leases to deposits | 82.2873% | 2,740 |
| Net loans and leases to core deposits | 85.2423% | 2,988 |
| Total domestic deposits to total assets | 84.5072% | 2,869 |
| Equity capital to assets | 9.0975% | 4,482 |
| Core capital (leverage) ratio | 9.3658% | 4,286 |
| Tier 1 risk-based capital ratio | 11.3138% | 4,889 |
| Total risk-based capital ratio | 12.4320% | 4,859 |
| Memoranda: | ||
| Average total assets | $632,307,670 | 1,151 |
| Average earning assets | $591,733,670 | 1,134 |
| Average equity | $56,649,000 | 1,387 |
| Average total loans | $436,761,000 | 1,172 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 3,836 |
| Cost of funding earning assets | 0.7121% | 1,379 |
| Net interest margin | 3.2210% | 4,401 |
| Noninterest income to average assets | 0.5524% | 2,511 |
| Noninterest expense to average assets | 2.4744% | 3,733 |
| Loan and lease loss provision to assets | 0.0516% | 2,743 |
| Net operating income to assets | 0.8023% | 3,689 |
| Return on assets (ROA) | 0.7745% | 3,813 |
| Pretax return on assets | 0.9934% | 3,554 |
| Return on Equity (ROE) | 8.7106% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.0475% | 3,579 |
| Net charge-offs to loans | 0.1362% | 990 |
| Credit loss provision to net charge-offs | 55.4054% | 1,911 |
| Earnings coverage of net charge-offs (x) | 11.6014% | 1,838 |
| Efficiency ratio | 69.3982% | 2,600 |
| Assets per employee ($millions) | 5.3667% | 2,074 |
| Cash dividends to net income (ytd only)* | 53.5337% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,193 |
| Loan loss allowance to noncurrent loans | 93.2220% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,397 |
| Noncurrent loans to loans | 1.4061% | 1,266 |
| Net loans and leases to total assets | 67.6936% | 2,802 |
| Net loans and leases to deposits | 78.9448% | 2,924 |
| Net loans and leases to core deposits | 81.8607% | 3,148 |
| Total domestic deposits to total assets | 85.7480% | 2,653 |
| Equity capital to assets | 8.8777% | 4,685 |
| Core capital (leverage) ratio | 9.1680% | 4,478 |
| Tier 1 risk-based capital ratio | 11.2722% | 4,995 |
| Total risk-based capital ratio | 12.3773% | 4,969 |
| Memoranda: | ||
| Average total assets | $635,797,500 | 1,156 |
| Average earning assets | $592,618,500 | 1,142 |
| Average equity | $56,529,000 | 1,397 |
| Average total loans | $434,807,000 | 1,181 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,897 |
| Cost of funding earning assets | 0.6567% | 1,263 |
| Net interest margin | 3.1888% | 4,476 |
| Noninterest income to average assets | 0.6287% | 2,311 |
| Noninterest expense to average assets | 2.4341% | 3,977 |
| Loan and lease loss provision to assets | 1.1859% | 79 |
| Net operating income to assets | -0.0844% | 5,412 |
| Return on assets (ROA) | -0.0876% | 5,415 |
| Pretax return on assets | -0.0358% | 5,452 |
| Return on Equity (ROE) | -0.9384% | 5,423 |
| Retained earnings to average equity (ytd only) | -4.2959% | 5,409 |
| Net charge-offs to loans | 1.6313% | 97 |
| Credit loss provision to net charge-offs | 107.1761% | 2,418 |
| Earnings coverage of net charge-offs (x) | 1.0423% | 3,935 |
| Efficiency ratio | 67.4523% | 3,009 |
| Assets per employee ($millions) | 5.4095% | 2,039 |
| Cash dividends to net income (ytd only)* | -357.7982% | 5,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,099 |
| Loan loss allowance to noncurrent loans | 86.2017% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5588% | 858 |
| Noncurrent loans to loans | 1.5353% | 1,101 |
| Net loans and leases to total assets | 67.2819% | 2,917 |
| Net loans and leases to deposits | 78.3928% | 3,077 |
| Net loans and leases to core deposits | 81.1008% | 3,324 |
| Total domestic deposits to total assets | 85.8266% | 2,521 |
| Equity capital to assets | 8.9043% | 4,813 |
| Core capital (leverage) ratio | 9.0805% | 4,547 |
| Tier 1 risk-based capital ratio | 11.1677% | 5,054 |
| Total risk-based capital ratio | 12.2863% | 5,008 |
| Memoranda: | ||
| Average total assets | $622,122,000 | 1,163 |
| Average earning assets | $577,245,800 | 1,150 |
| Average equity | $58,079,200 | 1,354 |
| Average total loans | $422,006,000 | 1,181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,950 |
| Cost of funding earning assets | 0.6454% | 1,270 |
| Net interest margin | 3.1708% | 4,529 |
| Noninterest income to average assets | 0.6329% | 2,297 |
| Noninterest expense to average assets | 2.4702% | 3,823 |
| Loan and lease loss provision to assets | 1.4352% | 63 |
| Net operating income to assets | -0.1869% | 5,572 |
| Return on assets (ROA) | -0.1896% | 5,580 |
| Pretax return on assets | -0.3272% | 5,594 |
| Return on Equity (ROE) | -2.0072% | 5,588 |
| Retained earnings to average equity (ytd only) | -4.9642% | 5,542 |
| Net charge-offs to loans | 2.0788% | 68 |
| Credit loss provision to net charge-offs | 101.9148% | 2,242 |
| Earnings coverage of net charge-offs (x) | 0.7898% | 3,635 |
| Efficiency ratio | 68.6096% | 2,765 |
| Assets per employee ($millions) | 5.2799% | 2,144 |
| Cash dividends to net income (ytd only)* | -147.3263% | 5,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,514 |
| Loan loss allowance to noncurrent loans | 70.0169% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.9579% | 671 |
| Noncurrent loans to loans | 1.8157% | 978 |
| Net loans and leases to total assets | 66.6442% | 3,023 |
| Net loans and leases to deposits | 77.8787% | 3,179 |
| Net loans and leases to core deposits | 80.3674% | 3,421 |
| Total domestic deposits to total assets | 85.5744% | 2,488 |
| Equity capital to assets | 9.2220% | 4,711 |
| Core capital (leverage) ratio | 9.3014% | 4,409 |
| Tier 1 risk-based capital ratio | 11.2672% | 5,096 |
| Total risk-based capital ratio | 12.3201% | 5,095 |
| Memoranda: | ||
| Average total assets | $618,072,000 | 1,176 |
| Average earning assets | $574,934,000 | 1,165 |
| Average equity | $58,389,500 | 1,355 |
| Average total loans | $418,698,750 | 1,196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7841% | 3,944 |
| Cost of funding earning assets | 0.6248% | 1,308 |
| Net interest margin | 3.1593% | 4,521 |
| Noninterest income to average assets | 0.6397% | 2,259 |
| Noninterest expense to average assets | 2.5325% | 3,644 |
| Loan and lease loss provision to assets | 2.1615% | 38 |
| Net operating income to assets | -0.6855% | 5,700 |
| Return on assets (ROA) | -0.6888% | 5,698 |
| Pretax return on assets | -1.1063% | 5,718 |
| Return on Equity (ROE) | -7.2329% | 5,700 |
| Retained earnings to average equity (ytd only) | -11.6573% | 5,674 |
| Net charge-offs to loans | 3.1145% | 44 |
| Credit loss provision to net charge-offs | 102.3259% | 1,974 |
| Earnings coverage of net charge-offs (x) | 0.5020% | 3,370 |
| Efficiency ratio | 70.2681% | 2,631 |
| Assets per employee ($millions) | 5.0763% | 2,304 |
| Cash dividends to net income (ytd only)* | -61.1715% | 5,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,512 |
| Loan loss allowance to noncurrent loans | 70.2724% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9708% | 654 |
| Noncurrent loans to loans | 1.8213% | 985 |
| Net loans and leases to total assets | 67.4796% | 2,881 |
| Net loans and leases to deposits | 78.7906% | 3,039 |
| Net loans and leases to core deposits | 81.0472% | 3,343 |
| Total domestic deposits to total assets | 85.6442% | 2,551 |
| Equity capital to assets | 9.1915% | 4,725 |
| Core capital (leverage) ratio | 9.1689% | 4,532 |
| Tier 1 risk-based capital ratio | 11.1856% | 5,150 |
| Total risk-based capital ratio | 12.2591% | 5,144 |
| Memoranda: | ||
| Average total assets | $614,658,000 | 1,188 |
| Average earning assets | $574,563,330 | 1,172 |
| Average equity | $58,538,330 | 1,347 |
| Average total loans | $416,889,330 | 1,199 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,032 |
| Cost of funding earning assets | 0.5941% | 1,418 |
| Net interest margin | 3.1304% | 4,565 |
| Noninterest income to average assets | 0.5879% | 2,470 |
| Noninterest expense to average assets | 2.6175% | 3,427 |
| Loan and lease loss provision to assets | 0.0026% | 3,518 |
| Net operating income to assets | 0.6450% | 3,953 |
| Return on assets (ROA) | 0.6474% | 3,980 |
| Pretax return on assets | 0.8969% | 3,786 |
| Return on Equity (ROE) | 6.6795% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.3253% | 4,211 |
| Net charge-offs to loans | 0.0474% | 1,905 |
| Credit loss provision to net charge-offs | 8.1633% | 2,237 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,260 |
| Efficiency ratio | 74.2703% | 2,187 |
| Assets per employee ($millions) | 5.1381% | 2,260 |
| Cash dividends to net income (ytd only)* | 65.1867% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,701 |
| Loan loss allowance to noncurrent loans | 155.6649% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 1,334 |
| Noncurrent loans to loans | 0.8143% | 2,414 |
| Net loans and leases to total assets | 65.9540% | 2,979 |
| Net loans and leases to deposits | 76.1326% | 3,186 |
| Net loans and leases to core deposits | 78.7373% | 3,420 |
| Total domestic deposits to total assets | 86.6305% | 2,382 |
| Equity capital to assets | 9.6762% | 4,091 |
| Core capital (leverage) ratio | 9.8198% | 3,731 |
| Tier 1 risk-based capital ratio | 12.1594% | 4,615 |
| Total risk-based capital ratio | 13.2140% | 4,642 |
| Memoranda: | ||
| Average total assets | $612,335,500 | 1,185 |
| Average earning assets | $572,330,500 | 1,175 |
| Average equity | $59,346,000 | 1,330 |
| Average total loans | $413,673,500 | 1,210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,717 |
| Cost of funding earning assets | 0.6573% | 1,018 |
| Net interest margin | 3.2006% | 4,452 |
| Noninterest income to average assets | 0.7131% | 2,112 |
| Noninterest expense to average assets | 2.6479% | 3,531 |
| Loan and lease loss provision to assets | 0.1672% | 1,469 |
| Net operating income to assets | 0.6568% | 3,970 |
| Return on assets (ROA) | 0.6757% | 4,003 |
| Pretax return on assets | 0.9282% | 3,740 |
| Return on Equity (ROE) | 6.6239% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.6946% | 3,987 |
| Net charge-offs to loans | 0.3021% | 910 |
| Credit loss provision to net charge-offs | 80.4878% | 2,964 |
| Earnings coverage of net charge-offs (x) | 5.1488% | 3,385 |
| Efficiency ratio | 71.0107% | 2,748 |
| Assets per employee ($millions) | 5.1975% | 2,177 |
| Cash dividends to net income (ytd only)* | 59.3203% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,720 |
| Loan loss allowance to noncurrent loans | 169.5428% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 1,424 |
| Noncurrent loans to loans | 0.7476% | 2,659 |
| Net loans and leases to total assets | 67.4571% | 2,861 |
| Net loans and leases to deposits | 79.4797% | 2,943 |
| Net loans and leases to core deposits | 81.1691% | 3,295 |
| Total domestic deposits to total assets | 84.8733% | 3,102 |
| Equity capital to assets | 9.7075% | 4,057 |
| Core capital (leverage) ratio | 9.9637% | 3,530 |
| Tier 1 risk-based capital ratio | 12.1478% | 4,622 |
| Total risk-based capital ratio | 13.2164% | 4,636 |
| Memoranda: | ||
| Average total assets | $592,232,800 | 1,183 |
| Average earning assets | $555,898,600 | 1,158 |
| Average equity | $60,417,800 | 1,283 |
| Average total loans | $407,214,600 | 1,186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,681 |
| Cost of funding earning assets | 0.6642% | 981 |
| Net interest margin | 3.2090% | 4,464 |
| Noninterest income to average assets | 0.7357% | 2,018 |
| Noninterest expense to average assets | 2.5473% | 3,838 |
| Loan and lease loss provision to assets | 0.1530% | 1,527 |
| Net operating income to assets | 0.7470% | 3,619 |
| Return on assets (ROA) | 0.7717% | 3,643 |
| Pretax return on assets | 1.0881% | 3,280 |
| Return on Equity (ROE) | 7.4713% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.6665% | 3,697 |
| Net charge-offs to loans | 0.3406% | 676 |
| Credit loss provision to net charge-offs | 65.2174% | 2,855 |
| Earnings coverage of net charge-offs (x) | 5.1420% | 3,170 |
| Efficiency ratio | 67.6408% | 3,292 |
| Assets per employee ($millions) | 5.0396% | 2,321 |
| Cash dividends to net income (ytd only)* | 50.9250% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,839 |
| Loan loss allowance to noncurrent loans | 123.8863% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 1,356 |
| Noncurrent loans to loans | 1.0256% | 2,195 |
| Net loans and leases to total assets | 66.6655% | 3,008 |
| Net loans and leases to deposits | 76.4587% | 3,355 |
| Net loans and leases to core deposits | 78.6999% | 3,589 |
| Total domestic deposits to total assets | 87.1915% | 1,808 |
| Equity capital to assets | 10.2336% | 3,878 |
| Core capital (leverage) ratio | 10.0395% | 3,518 |
| Tier 1 risk-based capital ratio | 12.5076% | 4,472 |
| Total risk-based capital ratio | 13.5819% | 4,489 |
| Memoranda: | ||
| Average total assets | $588,264,750 | 1,185 |
| Average earning assets | $553,229,750 | 1,164 |
| Average equity | $60,764,250 | 1,286 |
| Average total loans | $405,149,250 | 1,193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,614 |
| Cost of funding earning assets | 0.6645% | 966 |
| Net interest margin | 3.2337% | 4,432 |
| Noninterest income to average assets | 0.7682% | 1,856 |
| Noninterest expense to average assets | 2.5631% | 3,846 |
| Loan and lease loss provision to assets | 0.1711% | 1,291 |
| Net operating income to assets | 0.7602% | 3,505 |
| Return on assets (ROA) | 0.7967% | 3,467 |
| Pretax return on assets | 1.1317% | 3,082 |
| Return on Equity (ROE) | 7.6881% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.0752% | 3,311 |
| Net charge-offs to loans | 0.3983% | 570 |
| Credit loss provision to net charge-offs | 61.9579% | 2,560 |
| Earnings coverage of net charge-offs (x) | 4.5291% | 2,978 |
| Efficiency ratio | 66.9897% | 3,538 |
| Assets per employee ($millions) | 5.0895% | 2,209 |
| Cash dividends to net income (ytd only)* | 46.9931% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,764 |
| Loan loss allowance to noncurrent loans | 105.8644% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 1,234 |
| Noncurrent loans to loans | 1.2309% | 1,867 |
| Net loans and leases to total assets | 66.7007% | 2,979 |
| Net loans and leases to deposits | 77.1141% | 3,251 |
| Net loans and leases to core deposits | 79.1805% | 3,534 |
| Total domestic deposits to total assets | 86.4961% | 2,170 |
| Equity capital to assets | 10.4141% | 3,729 |
| Core capital (leverage) ratio | 9.9538% | 3,617 |
| Tier 1 risk-based capital ratio | 12.4954% | 4,529 |
| Total risk-based capital ratio | 13.5880% | 4,545 |
| Memoranda: | ||
| Average total assets | $584,447,000 | 1,202 |
| Average earning assets | $550,451,670 | 1,180 |
| Average equity | $60,561,330 | 1,289 |
| Average total loans | $405,215,670 | 1,199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,627 |
| Cost of funding earning assets | 0.6588% | 1,001 |
| Net interest margin | 3.2286% | 4,477 |
| Noninterest income to average assets | 0.6446% | 2,296 |
| Noninterest expense to average assets | 2.4978% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8324% | 3,079 |
| Return on assets (ROA) | 0.8901% | 2,931 |
| Pretax return on assets | 1.2767% | 2,399 |
| Return on Equity (ROE) | 8.6122% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.5840% | 2,593 |
| Net charge-offs to loans | 0.0098% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 173.6000% | 348 |
| Efficiency ratio | 67.4306% | 3,553 |
| Assets per employee ($millions) | 5.1655% | 2,172 |
| Cash dividends to net income (ytd only)* | 35.1623% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,780 |
| Loan loss allowance to noncurrent loans | 79.0647% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 1,816 |
| Noncurrent loans to loans | 1.6739% | 1,353 |
| Net loans and leases to total assets | 69.5758% | 2,412 |
| Net loans and leases to deposits | 81.7823% | 2,570 |
| Net loans and leases to core deposits | 84.4498% | 2,893 |
| Total domestic deposits to total assets | 85.0744% | 3,098 |
| Equity capital to assets | 10.2933% | 3,753 |
| Core capital (leverage) ratio | 10.1956% | 3,319 |
| Tier 1 risk-based capital ratio | 12.2070% | 4,775 |
| Total risk-based capital ratio | 13.3428% | 4,761 |
| Memoranda: | ||
| Average total assets | $581,478,500 | 1,210 |
| Average earning assets | $548,847,500 | 1,183 |
| Average equity | $60,100,500 | 1,294 |
| Average total loans | $408,329,000 | 1,184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 3,640 |
| Cost of funding earning assets | 0.6563% | 1,034 |
| Net interest margin | 3.2637% | 4,428 |
| Noninterest income to average assets | 0.5449% | 3,043 |
| Noninterest expense to average assets | 2.1857% | 5,071 |
| Loan and lease loss provision to assets | 0.3416% | 441 |
| Net operating income to assets | 0.7753% | 3,443 |
| Return on assets (ROA) | 0.7908% | 3,453 |
| Pretax return on assets | 1.1319% | 2,916 |
| Return on Equity (ROE) | 7.8666% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.5696% | 2,037 |
| Net charge-offs to loans | 0.0851% | 2,613 |
| Credit loss provision to net charge-offs | 591.3174% | 571 |
| Earnings coverage of net charge-offs (x) | 25.1228% | 1,641 |
| Efficiency ratio | 59.8611% | 4,924 |
| Assets per employee ($millions) | 4.9491% | 2,423 |
| Cash dividends to net income (ytd only)* | 29.1995% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,548 |
| Loan loss allowance to noncurrent loans | 77.4947% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2646% | 1,687 |
| Noncurrent loans to loans | 1.7698% | 1,256 |
| Net loans and leases to total assets | 68.9697% | 2,550 |
| Net loans and leases to deposits | 80.0556% | 2,814 |
| Net loans and leases to core deposits | 82.6483% | 3,080 |
| Total domestic deposits to total assets | 86.1522% | 2,570 |
| Equity capital to assets | 10.3794% | 3,520 |
| Core capital (leverage) ratio | 10.0148% | 3,489 |
| Tier 1 risk-based capital ratio | 12.3059% | 4,763 |
| Total risk-based capital ratio | 13.4693% | 4,714 |
| Memoranda: | ||
| Average total assets | $578,124,600 | 1,180 |
| Average earning assets | $547,753,200 | 1,151 |
| Average equity | $58,118,800 | 1,292 |
| Average total loans | $392,406,400 | 1,177 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 3,583 |
| Cost of funding earning assets | 0.6546% | 1,068 |
| Net interest margin | 3.2864% | 4,411 |
| Noninterest income to average assets | 0.5470% | 3,066 |
| Noninterest expense to average assets | 2.1372% | 5,198 |
| Loan and lease loss provision to assets | 0.4508% | 240 |
| Net operating income to assets | 0.7521% | 3,672 |
| Return on assets (ROA) | 0.7643% | 3,711 |
| Pretax return on assets | 1.0938% | 3,255 |
| Return on Equity (ROE) | 7.6648% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.3330% | 2,696 |
| Net charge-offs to loans | 0.0865% | 2,308 |
| Credit loss provision to net charge-offs | 773.9130% | 450 |
| Earnings coverage of net charge-offs (x) | 26.2178% | 1,622 |
| Efficiency ratio | 58.0925% | 5,110 |
| Assets per employee ($millions) | 5.0021% | 2,294 |
| Cash dividends to net income (ytd only)* | 30.4216% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,781 |
| Loan loss allowance to noncurrent loans | 156.2412% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 3,190 |
| Noncurrent loans to loans | 0.8714% | 2,804 |
| Net loans and leases to total assets | 68.3679% | 2,625 |
| Net loans and leases to deposits | 81.0260% | 2,763 |
| Net loans and leases to core deposits | 84.4820% | 2,986 |
| Total domestic deposits to total assets | 84.3778% | 3,272 |
| Equity capital to assets | 9.9620% | 4,199 |
| Core capital (leverage) ratio | 9.6951% | 4,039 |
| Tier 1 risk-based capital ratio | 11.7890% | 5,212 |
| Total risk-based capital ratio | 12.9348% | 5,198 |
| Memoranda: | ||
| Average total assets | $579,133,250 | 1,183 |
| Average earning assets | $549,324,750 | 1,151 |
| Average equity | $57,751,750 | 1,311 |
| Average total loans | $390,144,500 | 1,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 3,688 |
| Cost of funding earning assets | 0.6529% | 1,083 |
| Net interest margin | 3.2475% | 4,511 |
| Noninterest income to average assets | 0.5442% | 3,078 |
| Noninterest expense to average assets | 2.1280% | 5,279 |
| Loan and lease loss provision to assets | 0.1455% | 1,478 |
| Net operating income to assets | 0.9384% | 2,698 |
| Return on assets (ROA) | 0.9530% | 2,734 |
| Pretax return on assets | 1.3771% | 2,077 |
| Return on Equity (ROE) | 9.5116% | 2,298 |
| Retained earnings to average equity (ytd only) | 7.1719% | 1,631 |
| Net charge-offs to loans | 0.0636% | 2,474 |
| Credit loss provision to net charge-offs | 343.4426% | 842 |
| Earnings coverage of net charge-offs (x) | 35.4344% | 1,218 |
| Efficiency ratio | 58.4019% | 5,174 |
| Assets per employee ($millions) | 5.2729% | 1,959 |
| Cash dividends to net income (ytd only)* | 24.5991% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 4,715 |
| Loan loss allowance to noncurrent loans | 183.9152% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 4,208 |
| Noncurrent loans to loans | 0.5596% | 3,773 |
| Net loans and leases to total assets | 68.3821% | 2,590 |
| Net loans and leases to deposits | 82.2276% | 2,526 |
| Net loans and leases to core deposits | 86.6171% | 2,691 |
| Total domestic deposits to total assets | 83.1620% | 3,882 |
| Equity capital to assets | 9.9557% | 4,087 |
| Core capital (leverage) ratio | 9.6448% | 4,082 |
| Tier 1 risk-based capital ratio | 11.6366% | 5,382 |
| Total risk-based capital ratio | 12.4948% | 5,527 |
| Memoranda: | ||
| Average total assets | $575,859,000 | 1,192 |
| Average earning assets | $547,069,670 | 1,154 |
| Average equity | $57,697,670 | 1,318 |
| Average total loans | $383,856,000 | 1,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 3,636 |
| Cost of funding earning assets | 0.6561% | 1,073 |
| Net interest margin | 3.2400% | 4,453 |
| Noninterest income to average assets | 0.5295% | 3,095 |
| Noninterest expense to average assets | 2.0934% | 5,398 |
| Loan and lease loss provision to assets | 0.1051% | 1,952 |
| Net operating income to assets | 0.9731% | 2,377 |
| Return on assets (ROA) | 0.9581% | 2,593 |
| Pretax return on assets | 1.3839% | 1,945 |
| Return on Equity (ROE) | 9.5312% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.2668% | 1,875 |
| Net charge-offs to loans | 0.0407% | 2,413 |
| Credit loss provision to net charge-offs | 394.7368% | 669 |
| Earnings coverage of net charge-offs (x) | 56.7632% | 770 |
| Efficiency ratio | 57.8508% | 5,354 |
| Assets per employee ($millions) | 5.2504% | 2,057 |
| Cash dividends to net income (ytd only)* | 23.7573% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 4,880 |
| Loan loss allowance to noncurrent loans | 149.1748% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,922 |
| Noncurrent loans to loans | 0.6892% | 3,553 |
| Net loans and leases to total assets | 66.2842% | 2,727 |
| Net loans and leases to deposits | 77.9458% | 2,812 |
| Net loans and leases to core deposits | 82.4449% | 2,915 |
| Total domestic deposits to total assets | 85.0388% | 3,389 |
| Equity capital to assets | 10.0672% | 4,064 |
| Core capital (leverage) ratio | 9.6253% | 4,116 |
| Tier 1 risk-based capital ratio | 12.1001% | 5,176 |
| Total risk-based capital ratio | 12.9692% | 5,331 |
| Memoranda: | ||
| Average total assets | $571,141,000 | 1,208 |
| Average earning assets | $541,983,500 | 1,176 |
| Average equity | $57,411,500 | 1,328 |
| Average total loans | $373,584,500 | 1,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,591 |
| Cost of funding earning assets | 0.7416% | 885 |
| Net interest margin | 3.0254% | 5,392 |
| Noninterest income to average assets | 0.5520% | 3,166 |
| Noninterest expense to average assets | 2.0077% | 5,749 |
| Loan and lease loss provision to assets | 0.1637% | 1,604 |
| Net operating income to assets | 0.8633% | 3,049 |
| Return on assets (ROA) | 0.8761% | 3,078 |
| Pretax return on assets | 1.2378% | 2,496 |
| Return on Equity (ROE) | 8.9524% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.9258% | 1,441 |
| Net charge-offs to loans | 0.1417% | 2,611 |
| Credit loss provision to net charge-offs | 192.7195% | 1,282 |
| Earnings coverage of net charge-offs (x) | 16.2827% | 2,021 |
| Efficiency ratio | 58.9409% | 5,353 |
| Assets per employee ($millions) | 5.0877% | 2,216 |
| Cash dividends to net income (ytd only)* | 22.6376% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,680 |
| Loan loss allowance to noncurrent loans | 97.9473% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,263 |
| Noncurrent loans to loans | 1.0950% | 2,641 |
| Net loans and leases to total assets | 63.1278% | 3,343 |
| Net loans and leases to deposits | 73.5172% | 3,495 |
| Net loans and leases to core deposits | 77.7520% | 3,543 |
| Total domestic deposits to total assets | 85.8680% | 2,910 |
| Equity capital to assets | 10.0366% | 4,062 |
| Core capital (leverage) ratio | 9.7519% | 3,902 |
| Tier 1 risk-based capital ratio | 12.8017% | 4,856 |
| Total risk-based capital ratio | 13.7035% | 4,984 |
| Memoranda: | ||
| Average total assets | $549,622,200 | 1,215 |
| Average earning assets | $515,807,800 | 1,190 |
| Average equity | $53,784,600 | 1,358 |
| Average total loans | $329,487,200 | 1,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,754 |
| Cost of funding earning assets | 0.7467% | 906 |
| Net interest margin | 2.9896% | 5,523 |
| Noninterest income to average assets | 0.5640% | 3,108 |
| Noninterest expense to average assets | 2.0140% | 5,750 |
| Loan and lease loss provision to assets | 0.1649% | 1,505 |
| Net operating income to assets | 0.8419% | 3,224 |
| Return on assets (ROA) | 0.8559% | 3,241 |
| Pretax return on assets | 1.2037% | 2,767 |
| Return on Equity (ROE) | 8.8048% | 2,783 |
| Retained earnings to average equity (ytd only) | 6.7946% | 1,924 |
| Net charge-offs to loans | 0.1919% | 1,931 |
| Credit loss provision to net charge-offs | 145.7883% | 1,622 |
| Earnings coverage of net charge-offs (x) | 11.9265% | 2,362 |
| Efficiency ratio | 59.6208% | 5,239 |
| Assets per employee ($millions) | 5.2014% | 2,016 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 4,931 |
| Loan loss allowance to noncurrent loans | 108.6464% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 3,721 |
| Noncurrent loans to loans | 0.9787% | 3,112 |
| Net loans and leases to total assets | 61.4948% | 3,561 |
| Net loans and leases to deposits | 71.5394% | 3,729 |
| Net loans and leases to core deposits | 75.6689% | 3,786 |
| Total domestic deposits to total assets | 85.9594% | 2,863 |
| Equity capital to assets | 10.0026% | 4,157 |
| Core capital (leverage) ratio | 9.7004% | 4,075 |
| Tier 1 risk-based capital ratio | 13.1301% | 4,781 |
| Total risk-based capital ratio | 14.0272% | 4,899 |
| Memoranda: | ||
| Average total assets | $545,844,250 | 1,233 |
| Average earning assets | $511,009,250 | 1,207 |
| Average equity | $53,060,750 | 1,384 |
| Average total loans | $321,766,750 | 1,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,704 |
| Cost of funding earning assets | 0.7454% | 943 |
| Net interest margin | 3.0029% | 5,513 |
| Noninterest income to average assets | 0.5279% | 3,283 |
| Noninterest expense to average assets | 2.0069% | 5,830 |
| Loan and lease loss provision to assets | 0.1287% | 1,919 |
| Net operating income to assets | 0.8438% | 3,110 |
| Return on assets (ROA) | 0.8492% | 3,180 |
| Pretax return on assets | 1.2037% | 2,654 |
| Return on Equity (ROE) | 8.8227% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.7221% | 1,912 |
| Net charge-offs to loans | 0.1715% | 2,021 |
| Credit loss provision to net charge-offs | 129.6296% | 1,611 |
| Earnings coverage of net charge-offs (x) | 13.3444% | 1,981 |
| Efficiency ratio | 59.9757% | 5,300 |
| Assets per employee ($millions) | 5.1821% | 1,990 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 4,801 |
| Loan loss allowance to noncurrent loans | 109.8186% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 3,647 |
| Noncurrent loans to loans | 1.0224% | 3,191 |
| Net loans and leases to total assets | 56.3065% | 4,243 |
| Net loans and leases to deposits | 64.5534% | 4,434 |
| Net loans and leases to core deposits | 68.0782% | 4,455 |
| Total domestic deposits to total assets | 87.2247% | 2,337 |
| Equity capital to assets | 9.8571% | 4,282 |
| Core capital (leverage) ratio | 9.5404% | 4,264 |
| Tier 1 risk-based capital ratio | 13.6342% | 4,500 |
| Total risk-based capital ratio | 14.5489% | 4,657 |
| Memoranda: | ||
| Average total assets | $544,011,000 | 1,237 |
| Average earning assets | $507,915,670 | 1,208 |
| Average equity | $52,364,670 | 1,389 |
| Average total loans | $314,791,670 | 1,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,633 |
| Cost of funding earning assets | 0.7405% | 1,008 |
| Net interest margin | 3.0199% | 5,479 |
| Noninterest income to average assets | 0.5623% | 2,968 |
| Noninterest expense to average assets | 1.9972% | 5,892 |
| Loan and lease loss provision to assets | 0.2032% | 1,145 |
| Net operating income to assets | 0.8408% | 2,947 |
| Return on assets (ROA) | 0.8408% | 3,021 |
| Pretax return on assets | 1.1822% | 2,563 |
| Return on Equity (ROE) | 8.8432% | 2,533 |
| Retained earnings to average equity (ytd only) | 6.6674% | 2,203 |
| Net charge-offs to loans | 0.0317% | 2,960 |
| Credit loss provision to net charge-offs | 1,100.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 568 |
| Efficiency ratio | 58.7811% | 5,571 |
| Assets per employee ($millions) | 5.5098% | 1,704 |
| Cash dividends to net income (ytd only)* | 24.6046% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 4,833 |
| Loan loss allowance to noncurrent loans | 112.3246% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 3,803 |
| Noncurrent loans to loans | 1.0302% | 3,367 |
| Net loans and leases to total assets | 57.0794% | 3,989 |
| Net loans and leases to deposits | 64.7998% | 4,229 |
| Net loans and leases to core deposits | 68.2076% | 4,286 |
| Total domestic deposits to total assets | 88.0857% | 2,186 |
| Equity capital to assets | 9.5000% | 4,500 |
| Core capital (leverage) ratio | 9.4513% | 4,348 |
| Tier 1 risk-based capital ratio | 13.2219% | 4,878 |
| Total risk-based capital ratio | 14.1770% | 4,982 |
| Memoranda: | ||
| Average total assets | $541,366,000 | 1,248 |
| Average earning assets | $505,579,000 | 1,222 |
| Average equity | $51,474,500 | 1,406 |
| Average total loans | $315,785,500 | 1,380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 5,208 |
| Cost of funding earning assets | 0.8037% | 1,194 |
| Net interest margin | 2.8712% | 5,849 |
| Noninterest income to average assets | 0.6304% | 2,914 |
| Noninterest expense to average assets | 2.0251% | 5,981 |
| Loan and lease loss provision to assets | 0.1264% | 2,731 |
| Net operating income to assets | 0.8539% | 3,014 |
| Return on assets (ROA) | 0.8789% | 2,975 |
| Pretax return on assets | 1.2021% | 2,574 |
| Return on Equity (ROE) | 9.2048% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.7557% | 1,135 |
| Net charge-offs to loans | 0.0818% | 4,070 |
| Credit loss provision to net charge-offs | 276.7635% | 822 |
| Earnings coverage of net charge-offs (x) | 28.3320% | 1,241 |
| Efficiency ratio | 60.7298% | 5,385 |
| Assets per employee ($millions) | 5.3713% | 1,777 |
| Cash dividends to net income (ytd only)* | 15.7429% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,177 |
| Loan loss allowance to noncurrent loans | 116.4179% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 4,106 |
| Noncurrent loans to loans | 0.9407% | 3,633 |
| Net loans and leases to total assets | 58.2905% | 3,983 |
| Net loans and leases to deposits | 66.3503% | 4,257 |
| Net loans and leases to core deposits | 69.6801% | 4,316 |
| Total domestic deposits to total assets | 87.8527% | 2,268 |
| Equity capital to assets | 9.5168% | 4,406 |
| Core capital (leverage) ratio | 9.1599% | 4,769 |
| Tier 1 risk-based capital ratio | 12.8650% | 5,072 |
| Total risk-based capital ratio | 13.7709% | 5,230 |
| Memoranda: | ||
| Average total assets | $527,567,800 | 1,259 |
| Average earning assets | $494,079,400 | 1,233 |
| Average equity | $50,376,000 | 1,409 |
| Average total loans | $294,532,600 | 1,437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 5,260 |
| Cost of funding earning assets | 0.8178% | 1,220 |
| Net interest margin | 2.8484% | 5,922 |
| Noninterest income to average assets | 0.5933% | 3,186 |
| Noninterest expense to average assets | 2.0306% | 5,959 |
| Loan and lease loss provision to assets | 0.1026% | 3,055 |
| Net operating income to assets | 0.8126% | 3,282 |
| Return on assets (ROA) | 0.8450% | 3,241 |
| Pretax return on assets | 1.1775% | 2,791 |
| Return on Equity (ROE) | 8.8421% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.6498% | 1,568 |
| Net charge-offs to loans | 0.0014% | 5,194 |
| Credit loss provision to net charge-offs | 13,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 1,625.6250% | 14 |
| Efficiency ratio | 61.9029% | 5,152 |
| Assets per employee ($millions) | 5.3905% | 1,743 |
| Cash dividends to net income (ytd only)* | 13.4853% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,346 |
| Loan loss allowance to noncurrent loans | 129.9771% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 4,397 |
| Noncurrent loans to loans | 0.8426% | 4,143 |
| Net loans and leases to total assets | 58.2604% | 3,969 |
| Net loans and leases to deposits | 66.5180% | 4,239 |
| Net loans and leases to core deposits | 69.7848% | 4,347 |
| Total domestic deposits to total assets | 87.5860% | 2,367 |
| Equity capital to assets | 9.3565% | 4,735 |
| Core capital (leverage) ratio | 9.0433% | 5,062 |
| Tier 1 risk-based capital ratio | 12.6101% | 5,382 |
| Total risk-based capital ratio | 13.5206% | 5,528 |
| Memoranda: | ||
| Average total assets | $526,521,250 | 1,276 |
| Average earning assets | $493,967,250 | 1,240 |
| Average equity | $50,318,500 | 1,420 |
| Average total loans | $289,817,250 | 1,466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 5,335 |
| Cost of funding earning assets | 0.8415% | 1,192 |
| Net interest margin | 2.7941% | 6,012 |
| Noninterest income to average assets | 0.6111% | 3,127 |
| Noninterest expense to average assets | 2.0318% | 5,984 |
| Loan and lease loss provision to assets | 0.0589% | 3,826 |
| Net operating income to assets | 0.8223% | 3,183 |
| Return on assets (ROA) | 0.8510% | 3,188 |
| Pretax return on assets | 1.1864% | 2,735 |
| Return on Equity (ROE) | 8.8431% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.0528% | 1,465 |
| Net charge-offs to loans | -0.0113% | 5,800 |
| Credit loss provision to net charge-offs | -968.7500% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4809% | 5,099 |
| Assets per employee ($millions) | 5.3473% | 1,745 |
| Cash dividends to net income (ytd only)* | 8.9366% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,395 |
| Loan loss allowance to noncurrent loans | 122.3335% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 4,387 |
| Noncurrent loans to loans | 0.9084% | 4,109 |
| Net loans and leases to total assets | 53.9491% | 4,593 |
| Net loans and leases to deposits | 60.9489% | 4,868 |
| Net loans and leases to core deposits | 64.0811% | 4,884 |
| Total domestic deposits to total assets | 88.5152% | 1,905 |
| Equity capital to assets | 9.4540% | 4,641 |
| Core capital (leverage) ratio | 8.8753% | 5,181 |
| Tier 1 risk-based capital ratio | 13.3158% | 4,907 |
| Total risk-based capital ratio | 14.2191% | 5,102 |
| Memoranda: | ||
| Average total assets | $525,939,670 | 1,272 |
| Average earning assets | $494,329,000 | 1,240 |
| Average equity | $50,615,670 | 1,410 |
| Average total loans | $282,697,000 | 1,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 5,454 |
| Cost of funding earning assets | 0.8591% | 1,209 |
| Net interest margin | 2.7411% | 6,146 |
| Noninterest income to average assets | 0.6051% | 3,106 |
| Noninterest expense to average assets | 1.9959% | 6,111 |
| Loan and lease loss provision to assets | 0.0607% | 3,627 |
| Net operating income to assets | 0.7995% | 3,172 |
| Return on assets (ROA) | 0.8556% | 3,009 |
| Pretax return on assets | 1.2071% | 2,543 |
| Return on Equity (ROE) | 8.8129% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.8129% | 1,449 |
| Net charge-offs to loans | -0.1395% | 6,570 |
| Credit loss provision to net charge-offs | -81.6327% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3838% | 5,261 |
| Assets per employee ($millions) | 5.3396% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 5,477 |
| Loan loss allowance to noncurrent loans | 123.3153% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 4,785 |
| Noncurrent loans to loans | 0.9174% | 4,301 |
| Net loans and leases to total assets | 52.1155% | 4,690 |
| Net loans and leases to deposits | 58.7755% | 4,940 |
| Net loans and leases to core deposits | 61.6728% | 4,985 |
| Total domestic deposits to total assets | 88.6687% | 1,889 |
| Equity capital to assets | 9.6428% | 4,652 |
| Core capital (leverage) ratio | 8.9653% | 4,941 |
| Tier 1 risk-based capital ratio | 13.8461% | 4,618 |
| Total risk-based capital ratio | 14.7765% | 4,806 |
| Memoranda: | ||
| Average total assets | $526,893,000 | 1,284 |
| Average earning assets | $495,867,500 | 1,251 |
| Average equity | $51,152,500 | 1,420 |
| Average total loans | $281,101,500 | 1,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 5,298 |
| Cost of funding earning assets | 1.0483% | 1,129 |
| Net interest margin | 2.9537% | 6,129 |
| Noninterest income to average assets | 1.0727% | 1,355 |
| Noninterest expense to average assets | 2.0583% | 6,212 |
| Loan and lease loss provision to assets | 0.2056% | 3,087 |
| Net operating income to assets | 1.0972% | 1,942 |
| Return on assets (ROA) | 1.1526% | 1,926 |
| Pretax return on assets | 1.6756% | 1,195 |
| Return on Equity (ROE) | 11.5806% | 1,628 |
| Retained earnings to average equity (ytd only) | -2.7824% | 6,245 |
| Net charge-offs to loans | 0.0447% | 5,286 |
| Credit loss provision to net charge-offs | 895.4545% | 284 |
| Earnings coverage of net charge-offs (x) | 78.4455% | 488 |
| Efficiency ratio | 53.0824% | 6,364 |
| Assets per employee ($millions) | 5.1982% | 1,987 |
| Cash dividends to net income (ytd only)* | 124.0268% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 5,672 |
| Loan loss allowance to noncurrent loans | 116.2413% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 4,874 |
| Noncurrent loans to loans | 0.9211% | 4,344 |
| Net loans and leases to total assets | 53.4289% | 4,701 |
| Net loans and leases to deposits | 60.3175% | 4,994 |
| Net loans and leases to core deposits | 63.4830% | 5,019 |
| Total domestic deposits to total assets | 88.5794% | 1,850 |
| Equity capital to assets | 9.7757% | 4,489 |
| Core capital (leverage) ratio | 9.0606% | 4,804 |
| Tier 1 risk-based capital ratio | 14.2888% | 4,174 |
| Total risk-based capital ratio | 15.2129% | 4,374 |
| Memoranda: | ||
| Average total assets | $479,178,400 | 1,384 |
| Average earning assets | $452,044,200 | 1,346 |
| Average equity | $47,692,000 | 1,464 |
| Average total loans | $246,124,200 | 1,677 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 5,540 |
| Cost of funding earning assets | 1.0819% | 1,137 |
| Net interest margin | 2.9103% | 6,336 |
| Noninterest income to average assets | 0.9083% | 1,804 |
| Noninterest expense to average assets | 2.0468% | 6,280 |
| Loan and lease loss provision to assets | 0.1828% | 3,307 |
| Net operating income to assets | 0.9976% | 2,520 |
| Return on assets (ROA) | 1.0709% | 2,418 |
| Pretax return on assets | 1.5294% | 1,783 |
| Return on Equity (ROE) | 10.7065% | 2,059 |
| Retained earnings to average equity (ytd only) | -7.1737% | 6,723 |
| Net charge-offs to loans | 0.0590% | 4,837 |
| Credit loss provision to net charge-offs | 612.3810% | 436 |
| Earnings coverage of net charge-offs (x) | 53.8558% | 718 |
| Efficiency ratio | 55.7371% | 6,083 |
| Assets per employee ($millions) | 5.1262% | 2,015 |
| Cash dividends to net income (ytd only)* | 167.0030% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 6,156 |
| Loan loss allowance to noncurrent loans | 132.9183% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 5,400 |
| Noncurrent loans to loans | 0.7372% | 4,949 |
| Net loans and leases to total assets | 53.1459% | 4,887 |
| Net loans and leases to deposits | 60.0515% | 5,203 |
| Net loans and leases to core deposits | 63.2473% | 5,241 |
| Total domestic deposits to total assets | 88.5005% | 1,724 |
| Equity capital to assets | 9.9722% | 4,532 |
| Core capital (leverage) ratio | 9.1988% | 4,765 |
| Tier 1 risk-based capital ratio | 14.7020% | 4,044 |
| Total risk-based capital ratio | 15.5498% | 4,294 |
| Memoranda: | ||
| Average total assets | $469,017,500 | 1,425 |
| Average earning assets | $442,561,500 | 1,385 |
| Average equity | $46,911,000 | 1,503 |
| Average total loans | $237,470,000 | 1,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 5,534 |
| Cost of funding earning assets | 1.1266% | 1,107 |
| Net interest margin | 2.9080% | 6,415 |
| Noninterest income to average assets | 0.8838% | 1,848 |
| Noninterest expense to average assets | 2.0680% | 6,296 |
| Loan and lease loss provision to assets | 0.1359% | 3,825 |
| Net operating income to assets | 0.9744% | 2,571 |
| Return on assets (ROA) | 1.0658% | 2,409 |
| Pretax return on assets | 1.5520% | 1,703 |
| Return on Equity (ROE) | 10.6439% | 2,114 |
| Retained earnings to average equity (ytd only) | -15.6397% | 6,950 |
| Net charge-offs to loans | 0.0053% | 5,425 |
| Credit loss provision to net charge-offs | 5,166.6667% | 57 |
| Earnings coverage of net charge-offs (x) | 591.3333% | 64 |
| Efficiency ratio | 57.0720% | 5,988 |
| Assets per employee ($millions) | 5.2519% | 1,864 |
| Cash dividends to net income (ytd only)* | 246.9354% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,171 |
| Loan loss allowance to noncurrent loans | 166.5527% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 5,728 |
| Noncurrent loans to loans | 0.5993% | 5,315 |
| Net loans and leases to total assets | 48.4092% | 5,572 |
| Net loans and leases to deposits | 54.8608% | 5,782 |
| Net loans and leases to core deposits | 57.0785% | 5,855 |
| Total domestic deposits to total assets | 88.2401% | 1,997 |
| Equity capital to assets | 9.7772% | 4,656 |
| Core capital (leverage) ratio | 9.0851% | 4,787 |
| Tier 1 risk-based capital ratio | 15.5080% | 3,433 |
| Total risk-based capital ratio | 16.3444% | 3,673 |
| Memoranda: | ||
| Average total assets | $456,192,670 | 1,460 |
| Average earning assets | $429,773,000 | 1,423 |
| Average equity | $45,678,670 | 1,526 |
| Average total loans | $225,833,330 | 1,808 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 5,158 |
| Cost of funding earning assets | 1.2040% | 966 |
| Net interest margin | 2.9818% | 6,333 |
| Noninterest income to average assets | 1.1545% | 1,066 |
| Noninterest expense to average assets | 2.0974% | 6,278 |
| Loan and lease loss provision to assets | 0.1840% | 3,134 |
| Net operating income to assets | 1.1545% | 1,866 |
| Return on assets (ROA) | 1.2732% | 1,700 |
| Pretax return on assets | 1.8564% | 959 |
| Return on Equity (ROE) | 12.5456% | 1,520 |
| Retained earnings to average equity (ytd only) | -38.8515% | 7,180 |
| Net charge-offs to loans | -0.0461% | 6,503 |
| Credit loss provision to net charge-offs | -800.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8880% | 6,450 |
| Assets per employee ($millions) | 5.3063% | 1,879 |
| Cash dividends to net income (ytd only)* | 409.6821% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,289 |
| Loan loss allowance to noncurrent loans | 210.5451% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 5,837 |
| Noncurrent loans to loans | 0.4699% | 5,735 |
| Net loans and leases to total assets | 47.7755% | 5,587 |
| Net loans and leases to deposits | 53.9970% | 5,810 |
| Net loans and leases to core deposits | 55.7745% | 5,924 |
| Total domestic deposits to total assets | 88.4781% | 2,021 |
| Equity capital to assets | 9.5806% | 4,678 |
| Core capital (leverage) ratio | 9.1987% | 4,521 |
| Tier 1 risk-based capital ratio | 15.4399% | 3,478 |
| Total risk-based capital ratio | 16.2662% | 3,706 |
| Memoranda: | ||
| Average total assets | $434,822,000 | 1,531 |
| Average earning assets | $409,952,000 | 1,483 |
| Average equity | $44,127,000 | 1,576 |
| Average total loans | $216,767,500 | 1,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 5,645 |
| Cost of funding earning assets | 1.3342% | 1,323 |
| Net interest margin | 3.0010% | 6,531 |
| Noninterest income to average assets | 0.6604% | 2,833 |
| Noninterest expense to average assets | 1.9993% | 6,673 |
| Loan and lease loss provision to assets | 0.1674% | 4,548 |
| Net operating income to assets | 0.9621% | 2,350 |
| Return on assets (ROA) | 1.0182% | 2,280 |
| Pretax return on assets | 1.3994% | 1,795 |
| Return on Equity (ROE) | 10.5531% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.0712% | 1,467 |
| Net charge-offs to loans | 0.0329% | 5,987 |
| Credit loss provision to net charge-offs | 984.7458% | 235 |
| Earnings coverage of net charge-offs (x) | 87.6441% | 337 |
| Efficiency ratio | 57.2998% | 6,150 |
| Assets per employee ($millions) | 5.2980% | 1,831 |
| Cash dividends to net income (ytd only)* | 32.9938% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,850 |
| Loan loss allowance to noncurrent loans | 323.3687% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 6,513 |
| Noncurrent loans to loans | 0.3372% | 6,055 |
| Net loans and leases to total assets | 51.3833% | 5,405 |
| Net loans and leases to deposits | 59.4039% | 5,558 |
| Net loans and leases to core deposits | 62.1968% | 5,634 |
| Total domestic deposits to total assets | 86.4982% | 3,026 |
| Equity capital to assets | 10.8931% | 3,084 |
| Core capital (leverage) ratio | 10.4945% | 2,741 |
| Tier 1 risk-based capital ratio | 16.5592% | 2,797 |
| Total risk-based capital ratio | 17.4750% | 2,912 |
| Memoranda: | ||
| Average total assets | $347,072,800 | 1,865 |
| Average earning assets | $327,156,800 | 1,809 |
| Average equity | $33,487,800 | 1,988 |
| Average total loans | $179,482,200 | 2,257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 5,688 |
| Cost of funding earning assets | 1.3757% | 1,339 |
| Net interest margin | 2.9997% | 6,581 |
| Noninterest income to average assets | 0.6596% | 2,828 |
| Noninterest expense to average assets | 2.0604% | 6,570 |
| Loan and lease loss provision to assets | 0.1577% | 4,493 |
| Net operating income to assets | 0.9442% | 2,554 |
| Return on assets (ROA) | 0.9915% | 2,507 |
| Pretax return on assets | 1.3305% | 2,180 |
| Return on Equity (ROE) | 10.6568% | 1,971 |
| Retained earnings to average equity (ytd only) | 8.2741% | 1,401 |
| Net charge-offs to loans | 0.0008% | 6,182 |
| Credit loss provision to net charge-offs | 40,200.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,641.0150% | 3 |
| Efficiency ratio | 59.1129% | 5,850 |
| Assets per employee ($millions) | 5.0813% | 2,091 |
| Cash dividends to net income (ytd only)* | 22.3584% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,922 |
| Loan loss allowance to noncurrent loans | 286.1823% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 6,551 |
| Noncurrent loans to loans | 0.3816% | 6,091 |
| Net loans and leases to total assets | 50.4389% | 5,649 |
| Net loans and leases to deposits | 58.8150% | 5,765 |
| Net loans and leases to core deposits | 62.0154% | 5,812 |
| Total domestic deposits to total assets | 85.7586% | 3,351 |
| Equity capital to assets | 11.2392% | 2,927 |
| Core capital (leverage) ratio | 10.8328% | 2,537 |
| Tier 1 risk-based capital ratio | 17.2949% | 2,527 |
| Total risk-based capital ratio | 18.2062% | 2,630 |
| Memoranda: | ||
| Average total assets | $339,801,750 | 1,914 |
| Average earning assets | $320,111,250 | 1,849 |
| Average equity | $31,616,000 | 2,095 |
| Average total loans | $175,499,500 | 2,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 5,703 |
| Cost of funding earning assets | 1.4210% | 1,329 |
| Net interest margin | 2.9766% | 6,650 |
| Noninterest income to average assets | 0.6953% | 2,577 |
| Noninterest expense to average assets | 2.1231% | 6,548 |
| Loan and lease loss provision to assets | 0.1815% | 4,106 |
| Net operating income to assets | 0.8927% | 2,669 |
| Return on assets (ROA) | 0.9585% | 2,504 |
| Pretax return on assets | 1.2806% | 2,204 |
| Return on Equity (ROE) | 11.1388% | 1,750 |
| Retained earnings to average equity (ytd only) | 9.2881% | 1,017 |
| Net charge-offs to loans | 0.0023% | 5,852 |
| Credit loss provision to net charge-offs | 15,100.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,143.5000% | 16 |
| Efficiency ratio | 60.7045% | 5,774 |
| Assets per employee ($millions) | 4.8018% | 2,406 |
| Cash dividends to net income (ytd only)* | 16.6144% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 6,077 |
| Loan loss allowance to noncurrent loans | 367.6301% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 6,683 |
| Noncurrent loans to loans | 0.2898% | 6,339 |
| Net loans and leases to total assets | 51.9730% | 5,563 |
| Net loans and leases to deposits | 58.5759% | 5,869 |
| Net loans and leases to core deposits | 62.6030% | 5,847 |
| Total domestic deposits to total assets | 88.7276% | 1,701 |
| Equity capital to assets | 8.7910% | 5,827 |
| Core capital (leverage) ratio | 8.3441% | 5,800 |
| Tier 1 risk-based capital ratio | 13.4648% | 4,559 |
| Total risk-based capital ratio | 14.3669% | 4,802 |
| Memoranda: | ||
| Average total assets | $332,811,330 | 1,961 |
| Average earning assets | $313,306,330 | 1,897 |
| Average equity | $28,638,670 | 2,271 |
| Average total loans | $172,673,000 | 2,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 5,922 |
| Cost of funding earning assets | 1.4622% | 1,322 |
| Net interest margin | 2.8662% | 6,805 |
| Noninterest income to average assets | 0.4916% | 3,954 |
| Noninterest expense to average assets | 2.1037% | 6,625 |
| Loan and lease loss provision to assets | 0.0913% | 4,869 |
| Net operating income to assets | 0.7599% | 3,222 |
| Return on assets (ROA) | 0.8274% | 2,957 |
| Pretax return on assets | 1.0768% | 2,842 |
| Return on Equity (ROE) | 9.7238% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.7238% | 1,174 |
| Net charge-offs to loans | -0.0071% | 6,291 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0680% | 5,026 |
| Assets per employee ($millions) | 4.8541% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,379 |
| Loan loss allowance to noncurrent loans | 335.8566% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 6,513 |
| Noncurrent loans to loans | 0.2994% | 6,390 |
| Net loans and leases to total assets | 48.8559% | 5,972 |
| Net loans and leases to deposits | 54.7167% | 6,236 |
| Net loans and leases to core deposits | 58.0266% | 6,253 |
| Total domestic deposits to total assets | 89.2889% | 1,593 |
| Equity capital to assets | 8.3964% | 6,054 |
| Core capital (leverage) ratio | 8.3736% | 5,680 |
| Tier 1 risk-based capital ratio | 13.6953% | 4,287 |
| Total risk-based capital ratio | 14.5246% | 4,574 |
| Memoranda: | ||
| Average total assets | $328,752,500 | 1,991 |
| Average earning assets | $308,841,500 | 1,927 |
| Average equity | $27,972,500 | 2,306 |
| Average total loans | $169,460,000 | 2,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 5,399 |
| Cost of funding earning assets | 1.7882% | 1,217 |
| Net interest margin | 3.0144% | 6,710 |
| Noninterest income to average assets | 0.6489% | 3,160 |
| Noninterest expense to average assets | 2.1240% | 6,786 |
| Loan and lease loss provision to assets | 0.1302% | 5,865 |
| Net operating income to assets | 0.9058% | 2,359 |
| Return on assets (ROA) | 0.9554% | 2,309 |
| Pretax return on assets | 1.2697% | 2,019 |
| Return on Equity (ROE) | 10.3368% | 1,804 |
| Retained earnings to average equity (ytd only) | 4.8637% | 2,503 |
| Net charge-offs to loans | 0.1933% | 5,138 |
| Credit loss provision to net charge-offs | 124.5161% | 3,309 |
| Earnings coverage of net charge-offs (x) | 12.7581% | 1,473 |
| Efficiency ratio | 61.4259% | 5,823 |
| Assets per employee ($millions) | 4.5388% | 2,797 |
| Cash dividends to net income (ytd only)* | 52.9474% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,610 |
| Loan loss allowance to noncurrent loans | 322.2445% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 6,540 |
| Noncurrent loans to loans | 0.2914% | 6,476 |
| Net loans and leases to total assets | 53.3870% | 5,717 |
| Net loans and leases to deposits | 60.0282% | 6,053 |
| Net loans and leases to core deposits | 63.5745% | 6,091 |
| Total domestic deposits to total assets | 88.9364% | 1,696 |
| Equity capital to assets | 8.6287% | 5,687 |
| Core capital (leverage) ratio | 8.6096% | 5,182 |
| Tier 1 risk-based capital ratio | 13.4641% | 4,235 |
| Total risk-based capital ratio | 14.2611% | 4,554 |
| Memoranda: | ||
| Average total assets | $296,518,200 | 2,171 |
| Average earning assets | $276,307,000 | 2,144 |
| Average equity | $27,407,000 | 2,349 |
| Average total loans | $160,374,800 | 2,613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 5,555 |
| Cost of funding earning assets | 1.8418% | 1,252 |
| Net interest margin | 2.9861% | 6,862 |
| Noninterest income to average assets | 0.6176% | 3,337 |
| Noninterest expense to average assets | 2.1138% | 6,820 |
| Loan and lease loss provision to assets | 0.1424% | 5,612 |
| Net operating income to assets | 0.8590% | 2,784 |
| Return on assets (ROA) | 0.9267% | 2,644 |
| Pretax return on assets | 1.2293% | 2,392 |
| Return on Equity (ROE) | 9.8471% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.5631% | 2,059 |
| Net charge-offs to loans | 0.1201% | 5,348 |
| Credit loss provision to net charge-offs | 219.0141% | 1,579 |
| Earnings coverage of net charge-offs (x) | 19.7111% | 1,197 |
| Efficiency ratio | 62.2573% | 5,575 |
| Assets per employee ($millions) | 4.5091% | 2,891 |
| Cash dividends to net income (ytd only)* | 33.3499% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 6,282 |
| Loan loss allowance to noncurrent loans | 127.8947% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 6,338 |
| Noncurrent loans to loans | 0.8024% | 5,612 |
| Net loans and leases to total assets | 53.5054% | 5,918 |
| Net loans and leases to deposits | 60.9484% | 6,220 |
| Net loans and leases to core deposits | 64.0884% | 6,295 |
| Total domestic deposits to total assets | 87.7880% | 2,103 |
| Equity capital to assets | 9.4467% | 4,922 |
| Core capital (leverage) ratio | 9.0258% | 4,655 |
| Tier 1 risk-based capital ratio | 13.8677% | 3,942 |
| Total risk-based capital ratio | 14.7356% | 4,169 |
| Memoranda: | ||
| Average total assets | $291,218,250 | 2,236 |
| Average earning assets | $270,890,500 | 2,208 |
| Average equity | $27,405,000 | 2,384 |
| Average total loans | $157,661,500 | 2,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 5,749 |
| Cost of funding earning assets | 1.8904% | 1,272 |
| Net interest margin | 2.9222% | 6,984 |
| Noninterest income to average assets | 0.5774% | 3,496 |
| Noninterest expense to average assets | 2.0903% | 6,937 |
| Loan and lease loss provision to assets | 0.1720% | 5,146 |
| Net operating income to assets | 0.7741% | 3,093 |
| Return on assets (ROA) | 0.8788% | 2,758 |
| Pretax return on assets | 1.1577% | 2,558 |
| Return on Equity (ROE) | 9.3509% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.8174% | 2,437 |
| Net charge-offs to loans | 0.1717% | 4,586 |
| Credit loss provision to net charge-offs | 184.9624% | 2,130 |
| Earnings coverage of net charge-offs (x) | 12.8195% | 1,644 |
| Efficiency ratio | 63.6848% | 5,391 |
| Assets per employee ($millions) | 4.3034% | 3,207 |
| Cash dividends to net income (ytd only)* | 37.7884% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,222 |
| Loan loss allowance to noncurrent loans | 71.7837% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 5,551 |
| Noncurrent loans to loans | 1.4527% | 4,529 |
| Net loans and leases to total assets | 53.3780% | 6,066 |
| Net loans and leases to deposits | 60.8740% | 6,327 |
| Net loans and leases to core deposits | 63.9594% | 6,404 |
| Total domestic deposits to total assets | 87.6861% | 2,167 |
| Equity capital to assets | 9.5158% | 4,681 |
| Core capital (leverage) ratio | 9.2252% | 4,263 |
| Tier 1 risk-based capital ratio | 14.2722% | 3,562 |
| Total risk-based capital ratio | 15.1548% | 3,757 |
| Memoranda: | ||
| Average total assets | $286,085,670 | 2,288 |
| Average earning assets | $264,805,000 | 2,268 |
| Average equity | $26,885,000 | 2,419 |
| Average total loans | $154,963,000 | 2,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 5,511 |
| Cost of funding earning assets | 1.9430% | 1,272 |
| Net interest margin | 2.9461% | 6,942 |
| Noninterest income to average assets | 0.6053% | 3,248 |
| Noninterest expense to average assets | 2.0650% | 7,025 |
| Loan and lease loss provision to assets | 0.1202% | 5,385 |
| Net operating income to assets | 0.8536% | 2,740 |
| Return on assets (ROA) | 0.9066% | 2,588 |
| Pretax return on assets | 1.2036% | 2,350 |
| Return on Equity (ROE) | 9.7105% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.0594% | 2,112 |
| Net charge-offs to loans | -0.0078% | 6,856 |
| Credit loss provision to net charge-offs | -2,833.3333% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2336% | 5,791 |
| Assets per employee ($millions) | 4.3984% | 3,135 |
| Cash dividends to net income (ytd only)* | 27.3011% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 6,225 |
| Loan loss allowance to noncurrent loans | 145.2915% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 6,494 |
| Noncurrent loans to loans | 0.7229% | 5,878 |
| Net loans and leases to total assets | 53.3853% | 6,106 |
| Net loans and leases to deposits | 60.9258% | 6,372 |
| Net loans and leases to core deposits | 63.7364% | 6,468 |
| Total domestic deposits to total assets | 87.6235% | 2,280 |
| Equity capital to assets | 9.6237% | 4,342 |
| Core capital (leverage) ratio | 9.3029% | 4,051 |
| Tier 1 risk-based capital ratio | 14.3097% | 3,484 |
| Total risk-based capital ratio | 15.1912% | 3,658 |
| Memoranda: | ||
| Average total assets | $282,814,500 | 2,369 |
| Average earning assets | $260,415,500 | 2,348 |
| Average equity | $26,404,500 | 2,470 |
| Average total loans | $153,522,000 | 2,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 5,501 |
| Cost of funding earning assets | 2.3825% | 1,353 |
| Net interest margin | 2.8496% | 6,969 |
| Noninterest income to average assets | 0.6670% | 3,177 |
| Noninterest expense to average assets | 2.2440% | 6,885 |
| Loan and lease loss provision to assets | 0.2221% | 5,584 |
| Net operating income to assets | 0.6331% | 3,206 |
| Return on assets (ROA) | 0.7520% | 2,803 |
| Pretax return on assets | 0.9915% | 2,618 |
| Return on Equity (ROE) | 9.3674% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.8793% | 1,397 |
| Net charge-offs to loans | 0.1922% | 5,445 |
| Credit loss provision to net charge-offs | 209.0909% | 1,836 |
| Earnings coverage of net charge-offs (x) | 9.9527% | 1,739 |
| Efficiency ratio | 67.9771% | 5,009 |
| Assets per employee ($millions) | 4.3708% | 3,161 |
| Cash dividends to net income (ytd only)* | 37.2368% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,365 |
| Loan loss allowance to noncurrent loans | 201.0499% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 6,501 |
| Noncurrent loans to loans | 0.4987% | 6,254 |
| Net loans and leases to total assets | 54.0750% | 6,190 |
| Net loans and leases to deposits | 61.4194% | 6,522 |
| Net loans and leases to core deposits | 71.3868% | 6,692 |
| Total domestic deposits to total assets | 88.0421% | 1,957 |
| Equity capital to assets | 9.0426% | 5,073 |
| Core capital (leverage) ratio | 8.7738% | 4,802 |
| Tier 1 risk-based capital ratio | 13.4000% | 3,883 |
| Total risk-based capital ratio | 14.2500% | 4,091 |
| Memoranda: | ||
| Average total assets | $258,910,600 | 2,529 |
| Average earning assets | $239,328,400 | 2,505 |
| Average equity | $20,784,800 | 3,100 |
| Average total loans | $143,111,600 | 3,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 4,139 |
| Cost of funding earning assets | 2.4887% | 1,339 |
| Net interest margin | 3.0639% | 6,423 |
| Noninterest income to average assets | 0.4357% | 4,993 |
| Noninterest expense to average assets | 2.2167% | 6,930 |
| Loan and lease loss provision to assets | 0.1971% | 5,415 |
| Net operating income to assets | 0.6488% | 3,414 |
| Return on assets (ROA) | 0.7599% | 3,048 |
| Pretax return on assets | 1.0085% | 2,879 |
| Return on Equity (ROE) | 9.8078% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.2469% | 1,828 |
| Net charge-offs to loans | 0.1365% | 5,335 |
| Credit loss provision to net charge-offs | 260.4167% | 1,638 |
| Earnings coverage of net charge-offs (x) | 13.9719% | 1,633 |
| Efficiency ratio | 67.7047% | 5,041 |
| Assets per employee ($millions) | 4.2088% | 3,366 |
| Cash dividends to net income (ytd only)* | 36.3070% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,430 |
| Loan loss allowance to noncurrent loans | 157.9914% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 6,318 |
| Noncurrent loans to loans | 0.6153% | 6,076 |
| Net loans and leases to total assets | 55.3279% | 6,225 |
| Net loans and leases to deposits | 62.7174% | 6,607 |
| Net loans and leases to core deposits | 72.6060% | 6,806 |
| Total domestic deposits to total assets | 88.2178% | 1,552 |
| Equity capital to assets | 7.7475% | 7,101 |
| Core capital (leverage) ratio | 7.3628% | 7,116 |
| Tier 1 risk-based capital ratio | 11.0503% | 5,897 |
| Total risk-based capital ratio | 11.8880% | 6,289 |
| Memoranda: | ||
| Average total assets | $253,705,250 | 2,585 |
| Average earning assets | $235,032,000 | 2,565 |
| Average equity | $19,657,250 | 3,293 |
| Average total loans | $140,690,250 | 3,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 3,930 |
| Cost of funding earning assets | 2.6065% | 1,265 |
| Net interest margin | 3.0206% | 6,486 |
| Noninterest income to average assets | 0.4306% | 5,022 |
| Noninterest expense to average assets | 2.2714% | 6,846 |
| Loan and lease loss provision to assets | 0.1409% | 5,667 |
| Net operating income to assets | 0.6149% | 3,620 |
| Return on assets (ROA) | 0.7622% | 3,110 |
| Pretax return on assets | 1.0206% | 2,928 |
| Return on Equity (ROE) | 9.8373% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,689 |
| Net charge-offs to loans | 0.1092% | 5,063 |
| Credit loss provision to net charge-offs | 233.3333% | 1,984 |
| Earnings coverage of net charge-offs (x) | 15.9867% | 1,557 |
| Efficiency ratio | 70.1815% | 4,741 |
| Assets per employee ($millions) | 4.1553% | 3,381 |
| Cash dividends to net income (ytd only)* | 31.6790% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,605 |
| Loan loss allowance to noncurrent loans | 218.0033% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 6,569 |
| Noncurrent loans to loans | 0.4304% | 6,442 |
| Net loans and leases to total assets | 54.5866% | 6,371 |
| Net loans and leases to deposits | 61.3148% | 6,793 |
| Net loans and leases to core deposits | 70.5795% | 6,990 |
| Total domestic deposits to total assets | 89.0269% | 1,257 |
| Equity capital to assets | 7.5395% | 7,228 |
| Core capital (leverage) ratio | 7.3644% | 7,172 |
| Tier 1 risk-based capital ratio | 11.4146% | 5,476 |
| Total risk-based capital ratio | 12.2138% | 5,850 |
| Memoranda: | ||
| Average total assets | $248,485,330 | 2,651 |
| Average earning assets | $230,811,330 | 2,624 |
| Average equity | $19,253,330 | 3,361 |
| Average total loans | $137,421,330 | 3,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6667% | 3,961 |
| Cost of funding earning assets | 2.7308% | 1,174 |
| Net interest margin | 2.9359% | 6,654 |
| Noninterest income to average assets | 0.4215% | 5,034 |
| Noninterest expense to average assets | 2.1959% | 6,879 |
| Loan and lease loss provision to assets | 0.1230% | 5,389 |
| Net operating income to assets | 0.6015% | 4,003 |
| Return on assets (ROA) | 0.8265% | 3,172 |
| Pretax return on assets | 1.1348% | 2,850 |
| Return on Equity (ROE) | 10.5175% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.6394% | 1,585 |
| Net charge-offs to loans | 0.2220% | 3,307 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 7.7200% | 2,308 |
| Efficiency ratio | 69.8123% | 4,623 |
| Assets per employee ($millions) | 4.1879% | 3,279 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,663 |
| Loan loss allowance to noncurrent loans | 247.8873% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,582 |
| Noncurrent loans to loans | 0.3704% | 6,496 |
| Net loans and leases to total assets | 52.0443% | 6,677 |
| Net loans and leases to deposits | 58.6220% | 6,997 |
| Net loans and leases to core deposits | 69.1435% | 7,073 |
| Total domestic deposits to total assets | 88.7796% | 1,347 |
| Equity capital to assets | 7.6058% | 7,255 |
| Core capital (leverage) ratio | 7.6307% | 6,985 |
| Tier 1 risk-based capital ratio | 11.8173% | 5,105 |
| Total risk-based capital ratio | 12.5921% | 5,464 |
| Memoranda: | ||
| Average total assets | $243,913,500 | 2,722 |
| Average earning assets | $226,305,000 | 2,690 |
| Average equity | $19,168,000 | 3,392 |
| Average total loans | $135,150,500 | 3,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9671% | 5,714 |
| Cost of funding earning assets | 3.0184% | 1,808 |
| Net interest margin | 2.9487% | 7,035 |
| Noninterest income to average assets | 0.4398% | 5,117 |
| Noninterest expense to average assets | 2.4448% | 6,234 |
| Loan and lease loss provision to assets | 0.0652% | 6,574 |
| Net operating income to assets | 0.5415% | 4,570 |
| Return on assets (ROA) | 0.5939% | 4,192 |
| Pretax return on assets | 0.7307% | 4,301 |
| Return on Equity (ROE) | 6.7416% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.1487% | 3,195 |
| Net charge-offs to loans | 0.0156% | 6,665 |
| Credit loss provision to net charge-offs | 710.5263% | 592 |
| Earnings coverage of net charge-offs (x) | 79.6316% | 520 |
| Efficiency ratio | 76.9781% | 3,082 |
| Assets per employee ($millions) | 3.8727% | 3,804 |
| Cash dividends to net income (ytd only)* | 53.2954% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,652 |
| Loan loss allowance to noncurrent loans | 276.8539% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,322 |
| Noncurrent loans to loans | 0.3269% | 6,392 |
| Net loans and leases to total assets | 58.0481% | 6,191 |
| Net loans and leases to deposits | 65.8875% | 6,654 |
| Net loans and leases to core deposits | 76.4158% | 6,839 |
| Total domestic deposits to total assets | 88.1019% | 1,432 |
| Equity capital to assets | 8.1364% | 6,645 |
| Core capital (leverage) ratio | 8.3677% | 5,822 |
| Tier 1 risk-based capital ratio | 11.8473% | 4,945 |
| Total risk-based capital ratio | 12.6416% | 5,243 |
| Memoranda: | ||
| Average total assets | $206,929,200 | 3,045 |
| Average earning assets | $192,019,400 | 3,009 |
| Average equity | $18,230,000 | 3,517 |
| Average total loans | $121,923,400 | 3,422 |