Home > First State Bank of the Southeast, Inc > Performance and Condition Ratios
First State Bank of the Southeast, Inc, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 1,531 |
| Cost of funding earning assets | 1.6162% | 1,647 |
| Net interest margin | 3.6600% | 1,838 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.0279% | 1,088 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0357% | 2,106 |
| Return on assets (ROA) | 1.0357% | 2,085 |
| Pretax return on assets | 1.0357% | 2,572 |
| Return on Equity (ROE) | 13.6700% | 1,564 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,737 |
| Net charge-offs to loans | -0.0669% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7471% | 1,582 |
| Assets per employee ($millions) | 5.1474% | 3,521 |
| Cash dividends to net income (ytd only)* | 66.0189% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,374 |
| Loan loss allowance to noncurrent loans | 77.9282% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 236 |
| Noncurrent loans to loans | 1.5218% | 447 |
| Net loans and leases to total assets | 86.0200% | 158 |
| Net loans and leases to deposits | 98.8800% | 601 |
| Net loans and leases to core deposits | 118.4862% | 677 |
| Total domestic deposits to total assets | 86.9900% | 1,687 |
| Equity capital to assets | 7.7881% | 3,550 |
| Core capital (leverage) ratio | 9.0580% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3491% | 2,477 |
| Memoranda: | ||
| Average total assets | $397,505,800 | 2,021 |
| Average earning assets | $377,978,400 | 1,981 |
| Average equity | $30,120,400 | 2,255 |
| Average total loans | $345,037,400 | 1,628 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 1,504 |
| Cost of funding earning assets | 1.4708% | 1,685 |
| Net interest margin | 3.7026% | 1,773 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.0613% | 975 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0078% | 2,344 |
| Return on assets (ROA) | 1.0078% | 2,330 |
| Pretax return on assets | 1.0078% | 2,833 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.7910% | 3,005 |
| Net charge-offs to loans | -0.0923% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8728% | 1,464 |
| Assets per employee ($millions) | 4.9931% | 3,612 |
| Cash dividends to net income (ytd only)* | 64.2309% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,417 |
| Loan loss allowance to noncurrent loans | 137.0639% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 543 |
| Noncurrent loans to loans | 0.8675% | 956 |
| Net loans and leases to total assets | 85.5600% | 178 |
| Net loans and leases to deposits | 99.2047% | 551 |
| Net loans and leases to core deposits | 114.6848% | 704 |
| Total domestic deposits to total assets | 86.2500% | 2,117 |
| Equity capital to assets | 7.3766% | 3,432 |
| Core capital (leverage) ratio | 9.0075% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1742% | 2,562 |
| Memoranda: | ||
| Average total assets | $396,508,250 | 2,019 |
| Average earning assets | $376,918,500 | 1,984 |
| Average equity | $29,833,250 | 2,258 |
| Average total loans | $343,918,750 | 1,629 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 1,377 |
| Cost of funding earning assets | 1.3304% | 1,632 |
| Net interest margin | 3.7677% | 1,687 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.0605% | 955 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.0684% | 2,213 |
| Return on assets (ROA) | 1.0684% | 2,210 |
| Pretax return on assets | 1.0684% | 2,727 |
| Return on Equity (ROE) | 14.1100% | 1,659 |
| Retained earnings to average equity (ytd only) | 2.7084% | 3,551 |
| Net charge-offs to loans | -0.1451% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5541% | 1,607 |
| Assets per employee ($millions) | 5.0374% | 3,568 |
| Cash dividends to net income (ytd only)* | 80.7985% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,576 |
| Loan loss allowance to noncurrent loans | 108.7270% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 348 |
| Noncurrent loans to loans | 1.0784% | 676 |
| Net loans and leases to total assets | 87.3900% | 102 |
| Net loans and leases to deposits | 102.8743% | 403 |
| Net loans and leases to core deposits | 113.3171% | 704 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 7.6372% | 3,447 |
| Core capital (leverage) ratio | 8.8589% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0400% | 2,614 |
| Memoranda: | ||
| Average total assets | $393,863,333 | 2,027 |
| Average earning assets | $374,022,000 | 1,997 |
| Average equity | $29,833,000 | 2,267 |
| Average total loans | $341,822,667 | 1,626 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,257 |
| Cost of funding earning assets | 1.1722% | 1,527 |
| Net interest margin | 3.8114% | 1,665 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.0248% | 1,021 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1706% | 2,024 |
| Return on assets (ROA) | 1.1706% | 1,986 |
| Pretax return on assets | 1.1706% | 2,511 |
| Return on Equity (ROE) | 15.5200% | 1,456 |
| Retained earnings to average equity (ytd only) | 2.0709% | 3,690 |
| Net charge-offs to loans | 0.0059% | 1,745 |
| Credit loss provision to net charge-offs | 2,900.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 259.8000% | 413 |
| Efficiency ratio | 69.6566% | 1,783 |
| Assets per employee ($millions) | 4.8811% | 3,742 |
| Cash dividends to net income (ytd only)* | 86.6551% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,203 |
| Loan loss allowance to noncurrent loans | 83.4052% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 255 |
| Noncurrent loans to loans | 1.2824% | 524 |
| Net loans and leases to total assets | 87.0300% | 106 |
| Net loans and leases to deposits | 100.8721% | 407 |
| Net loans and leases to core deposits | 110.2253% | 701 |
| Total domestic deposits to total assets | 86.2700% | 2,516 |
| Equity capital to assets | 7.6590% | 3,470 |
| Core capital (leverage) ratio | 8.8740% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2283% | 2,656 |
| Memoranda: | ||
| Average total assets | $394,336,500 | 2,061 |
| Average earning assets | $374,667,000 | 2,019 |
| Average equity | $29,745,500 | 2,304 |
| Average total loans | $339,008,500 | 1,655 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 750 |
| Cost of funding earning assets | 0.5071% | 1,338 |
| Net interest margin | 3.9697% | 826 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.2272% | 689 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.0102% | 2,529 |
| Return on assets (ROA) | 1.0102% | 2,482 |
| Pretax return on assets | 1.0102% | 3,050 |
| Return on Equity (ROE) | 12.3800% | 2,011 |
| Retained earnings to average equity (ytd only) | 5.5557% | 2,806 |
| Net charge-offs to loans | 0.0055% | 2,228 |
| Credit loss provision to net charge-offs | 3,494.1176% | 171 |
| Earnings coverage of net charge-offs (x) | 256.3529% | 540 |
| Efficiency ratio | 73.3993% | 1,279 |
| Assets per employee ($millions) | 4.8560% | 3,776 |
| Cash dividends to net income (ytd only)* | 55.1275% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,259 |
| Loan loss allowance to noncurrent loans | 62.3857% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 184 |
| Noncurrent loans to loans | 1.6340% | 387 |
| Net loans and leases to total assets | 83.1500% | 315 |
| Net loans and leases to deposits | 97.6161% | 545 |
| Net loans and leases to core deposits | 106.5726% | 728 |
| Total domestic deposits to total assets | 85.1800% | 2,945 |
| Equity capital to assets | 7.4296% | 3,415 |
| Core capital (leverage) ratio | 9.0781% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1676% | 2,682 |
| Memoranda: | ||
| Average total assets | $372,616,600 | 2,134 |
| Average earning assets | $352,573,800 | 2,099 |
| Average equity | $30,401,400 | 2,318 |
| Average total loans | $311,736,600 | 1,669 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 662 |
| Cost of funding earning assets | 0.4207% | 1,153 |
| Net interest margin | 3.9246% | 755 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.2748% | 617 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9120% | 2,823 |
| Return on assets (ROA) | 0.9120% | 2,795 |
| Pretax return on assets | 0.9120% | 3,282 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.0514% | 3,425 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3035% | 1,140 |
| Assets per employee ($millions) | 4.3913% | 4,124 |
| Cash dividends to net income (ytd only)* | 62.8743% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,473 |
| Loan loss allowance to noncurrent loans | 55.6423% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 155 |
| Noncurrent loans to loans | 1.8002% | 353 |
| Net loans and leases to total assets | 85.8100% | 132 |
| Net loans and leases to deposits | 99.0334% | 405 |
| Net loans and leases to core deposits | 104.7653% | 621 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 7.6703% | 3,109 |
| Core capital (leverage) ratio | 9.1124% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3333% | 2,710 |
| Memoranda: | ||
| Average total assets | $366,223,500 | 2,167 |
| Average earning assets | $346,082,250 | 2,140 |
| Average equity | $30,605,750 | 2,340 |
| Average total loans | $306,042,000 | 1,684 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 642 |
| Cost of funding earning assets | 0.3545% | 1,225 |
| Net interest margin | 3.8394% | 692 |
| Noninterest income to average assets | 0.6506% | 1,539 |
| Noninterest expense to average assets | 3.2504% | 582 |
| Loan and lease loss provision to assets | 0.1639% | 564 |
| Net operating income to assets | 0.8642% | 2,718 |
| Return on assets (ROA) | 0.8642% | 2,691 |
| Pretax return on assets | 0.8642% | 3,162 |
| Return on Equity (ROE) | 10.0539% | 2,314 |
| Retained earnings to average equity (ytd only) | 2.7029% | 3,549 |
| Net charge-offs to loans | 0.0027% | 1,985 |
| Credit loss provision to net charge-offs | 7,425.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 465.7500% | 273 |
| Efficiency ratio | 75.9706% | 1,287 |
| Assets per employee ($millions) | 4.2755% | 4,220 |
| Cash dividends to net income (ytd only)* | 73.1162% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,593 |
| Loan loss allowance to noncurrent loans | 50.2249% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.0376% | 137 |
| Noncurrent loans to loans | 1.9921% | 327 |
| Net loans and leases to total assets | 85.1118% | 127 |
| Net loans and leases to deposits | 97.1277% | 383 |
| Net loans and leases to core deposits | 102.9389% | 549 |
| Total domestic deposits to total assets | 87.6287% | 2,721 |
| Equity capital to assets | 8.0111% | 3,119 |
| Core capital (leverage) ratio | 9.0540% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6595% | 2,627 |
| Memoranda: | ||
| Average total assets | $362,414,000 | 2,186 |
| Average earning assets | $342,447,333 | 2,174 |
| Average equity | $31,152,000 | 2,361 |
| Average total loans | $298,936,000 | 1,708 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 644 |
| Cost of funding earning assets | 0.3718% | 1,044 |
| Net interest margin | 3.7252% | 718 |
| Noninterest income to average assets | 0.7250% | 1,234 |
| Noninterest expense to average assets | 3.2240% | 583 |
| Loan and lease loss provision to assets | 0.1658% | 474 |
| Net operating income to assets | 0.8455% | 2,499 |
| Return on assets (ROA) | 0.8455% | 2,491 |
| Pretax return on assets | 0.8455% | 2,958 |
| Return on Equity (ROE) | 9.5117% | 2,147 |
| Retained earnings to average equity (ytd only) | 2.0640% | 3,522 |
| Net charge-offs to loans | 0.0014% | 1,789 |
| Credit loss provision to net charge-offs | 15,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 915.0000% | 99 |
| Efficiency ratio | 76.1221% | 1,512 |
| Assets per employee ($millions) | 4.1656% | 4,319 |
| Cash dividends to net income (ytd only)* | 78.3007% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,690 |
| Loan loss allowance to noncurrent loans | 53.6814% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.6158% | 84 |
| Noncurrent loans to loans | 1.8773% | 398 |
| Net loans and leases to total assets | 80.8265% | 211 |
| Net loans and leases to deposits | 92.9822% | 402 |
| Net loans and leases to core deposits | 98.5791% | 556 |
| Total domestic deposits to total assets | 86.9269% | 2,954 |
| Equity capital to assets | 8.5741% | 3,101 |
| Core capital (leverage) ratio | 9.0668% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7674% | 2,692 |
| Memoranda: | ||
| Average total assets | $361,910,500 | 2,198 |
| Average earning assets | $341,024,500 | 2,181 |
| Average equity | $32,171,000 | 2,380 |
| Average total loans | $292,184,000 | 1,729 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 957 |
| Cost of funding earning assets | 0.4548% | 1,162 |
| Net interest margin | 3.7690% | 1,071 |
| Noninterest income to average assets | 0.9447% | 1,104 |
| Noninterest expense to average assets | 3.3133% | 617 |
| Loan and lease loss provision to assets | 0.2013% | 534 |
| Net operating income to assets | 0.9897% | 2,715 |
| Return on assets (ROA) | 0.9897% | 2,781 |
| Pretax return on assets | 0.9897% | 3,289 |
| Return on Equity (ROE) | 10.6176% | 2,303 |
| Retained earnings to average equity (ytd only) | 0.4469% | 4,387 |
| Net charge-offs to loans | 0.3750% | 224 |
| Credit loss provision to net charge-offs | 69.1794% | 2,021 |
| Earnings coverage of net charge-offs (x) | 4.0926% | 2,507 |
| Efficiency ratio | 73.5590% | 1,360 |
| Assets per employee ($millions) | 4.1542% | 4,353 |
| Cash dividends to net income (ytd only)* | 95.7912% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,819 |
| Loan loss allowance to noncurrent loans | 59.0909% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4269% | 109 |
| Noncurrent loans to loans | 1.6626% | 516 |
| Net loans and leases to total assets | 79.0315% | 317 |
| Net loans and leases to deposits | 89.9798% | 569 |
| Net loans and leases to core deposits | 97.3199% | 647 |
| Total domestic deposits to total assets | 87.8325% | 2,131 |
| Equity capital to assets | 9.2052% | 3,417 |
| Core capital (leverage) ratio | 9.0497% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2202% | 2,557 |
| Memoranda: | ||
| Average total assets | $360,125,800 | 2,151 |
| Average earning assets | $340,120,000 | 2,127 |
| Average equity | $33,567,000 | 2,352 |
| Average total loans | $279,483,200 | 1,788 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 1,044 |
| Cost of funding earning assets | 0.4693% | 1,218 |
| Net interest margin | 3.7721% | 1,174 |
| Noninterest income to average assets | 0.8945% | 1,272 |
| Noninterest expense to average assets | 3.1957% | 715 |
| Loan and lease loss provision to assets | 0.1390% | 817 |
| Net operating income to assets | 1.1191% | 2,486 |
| Return on assets (ROA) | 1.1191% | 2,540 |
| Pretax return on assets | 1.1191% | 3,159 |
| Return on Equity (ROE) | 11.9690% | 2,059 |
| Retained earnings to average equity (ytd only) | 1.8825% | 4,221 |
| Net charge-offs to loans | 0.3641% | 213 |
| Credit loss provision to net charge-offs | 49.5376% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.4848% | 2,265 |
| Efficiency ratio | 71.7531% | 1,427 |
| Assets per employee ($millions) | 3.9801% | 4,462 |
| Cash dividends to net income (ytd only)* | 84.2715% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,878 |
| Loan loss allowance to noncurrent loans | 55.5133% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.5338% | 121 |
| Noncurrent loans to loans | 1.7842% | 544 |
| Net loans and leases to total assets | 76.5626% | 502 |
| Net loans and leases to deposits | 87.4012% | 745 |
| Net loans and leases to core deposits | 94.3130% | 816 |
| Total domestic deposits to total assets | 87.5991% | 2,060 |
| Equity capital to assets | 9.3846% | 3,481 |
| Core capital (leverage) ratio | 9.1523% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6264% | 2,495 |
| Memoranda: | ||
| Average total assets | $359,803,750 | 2,175 |
| Average earning assets | $339,498,750 | 2,154 |
| Average equity | $33,641,500 | 2,380 |
| Average total loans | $277,237,750 | 1,838 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 935 |
| Cost of funding earning assets | 0.4849% | 1,291 |
| Net interest margin | 3.8575% | 1,051 |
| Noninterest income to average assets | 0.8847% | 1,312 |
| Noninterest expense to average assets | 3.1687% | 757 |
| Loan and lease loss provision to assets | 0.2089% | 527 |
| Net operating income to assets | 1.1409% | 2,400 |
| Return on assets (ROA) | 1.1409% | 2,460 |
| Pretax return on assets | 1.1409% | 3,086 |
| Return on Equity (ROE) | 12.2176% | 1,974 |
| Retained earnings to average equity (ytd only) | 1.6286% | 4,209 |
| Net charge-offs to loans | 0.5494% | 145 |
| Credit loss provision to net charge-offs | 49.4071% | 1,608 |
| Earnings coverage of net charge-offs (x) | 3.1924% | 2,087 |
| Efficiency ratio | 70.1270% | 1,622 |
| Assets per employee ($millions) | 3.9803% | 4,459 |
| Cash dividends to net income (ytd only)* | 86.6699% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,807 |
| Loan loss allowance to noncurrent loans | 53.5238% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.6860% | 116 |
| Noncurrent loans to loans | 1.8759% | 538 |
| Net loans and leases to total assets | 76.2932% | 562 |
| Net loans and leases to deposits | 87.0624% | 844 |
| Net loans and leases to core deposits | 94.2856% | 893 |
| Total domestic deposits to total assets | 87.6304% | 2,026 |
| Equity capital to assets | 9.3692% | 3,451 |
| Core capital (leverage) ratio | 9.0956% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0898% | 2,336 |
| Memoranda: | ||
| Average total assets | $359,008,333 | 2,165 |
| Average earning assets | $338,201,000 | 2,147 |
| Average equity | $33,525,333 | 2,375 |
| Average total loans | $276,291,667 | 1,851 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 872 |
| Cost of funding earning assets | 0.5010% | 1,393 |
| Net interest margin | 3.9274% | 941 |
| Noninterest income to average assets | 0.9661% | 1,197 |
| Noninterest expense to average assets | 3.0696% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5871% | 1,152 |
| Return on assets (ROA) | 1.5871% | 1,202 |
| Pretax return on assets | 1.5871% | 1,768 |
| Return on Equity (ROE) | 17.0236% | 845 |
| Retained earnings to average equity (ytd only) | 7.4732% | 2,425 |
| Net charge-offs to loans | -0.0014% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9178% | 2,245 |
| Assets per employee ($millions) | 4.1666% | 4,365 |
| Cash dividends to net income (ytd only)* | 56.1010% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,223 |
| Loan loss allowance to noncurrent loans | 55.0480% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.8407% | 118 |
| Noncurrent loans to loans | 2.0783% | 503 |
| Net loans and leases to total assets | 76.1284% | 619 |
| Net loans and leases to deposits | 86.8266% | 900 |
| Net loans and leases to core deposits | 94.3332% | 958 |
| Total domestic deposits to total assets | 87.6786% | 2,005 |
| Equity capital to assets | 9.3760% | 3,307 |
| Core capital (leverage) ratio | 9.2778% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5536% | 2,060 |
| Memoranda: | ||
| Average total assets | $359,399,500 | 2,143 |
| Average earning assets | $337,730,500 | 2,134 |
| Average equity | $33,506,500 | 2,375 |
| Average total loans | $276,400,500 | 1,853 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,303 |
| Cost of funding earning assets | 0.7637% | 1,377 |
| Net interest margin | 3.7403% | 1,665 |
| Noninterest income to average assets | 1.4705% | 562 |
| Noninterest expense to average assets | 3.2576% | 958 |
| Loan and lease loss provision to assets | 0.7476% | 189 |
| Net operating income to assets | 0.9750% | 2,380 |
| Return on assets (ROA) | 0.9943% | 2,453 |
| Pretax return on assets | 0.9943% | 3,060 |
| Return on Equity (ROE) | 10.8071% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.7094% | 1,949 |
| Net charge-offs to loans | 0.7595% | 193 |
| Credit loss provision to net charge-offs | 125.1785% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.8843% | 3,127 |
| Efficiency ratio | 65.4110% | 2,618 |
| Assets per employee ($millions) | 4.1915% | 4,217 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,251 |
| Loan loss allowance to noncurrent loans | 55.9773% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 3.0108% | 119 |
| Noncurrent loans to loans | 2.0365% | 554 |
| Net loans and leases to total assets | 75.9281% | 795 |
| Net loans and leases to deposits | 86.6701% | 1,200 |
| Net loans and leases to core deposits | 96.9192% | 1,069 |
| Total domestic deposits to total assets | 87.6059% | 1,656 |
| Equity capital to assets | 9.2701% | 3,827 |
| Core capital (leverage) ratio | 9.1557% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9489% | 2,252 |
| Memoranda: | ||
| Average total assets | $351,794,800 | 2,040 |
| Average earning assets | $330,104,400 | 2,022 |
| Average equity | $32,367,600 | 2,369 |
| Average total loans | $276,630,200 | 1,791 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 1,256 |
| Cost of funding earning assets | 0.8172% | 1,410 |
| Net interest margin | 3.8012% | 1,618 |
| Noninterest income to average assets | 1.8225% | 364 |
| Noninterest expense to average assets | 3.2457% | 988 |
| Loan and lease loss provision to assets | 0.8123% | 218 |
| Net operating income to assets | 1.3336% | 1,275 |
| Return on assets (ROA) | 1.3595% | 1,303 |
| Pretax return on assets | 1.3595% | 1,856 |
| Return on Equity (ROE) | 14.8050% | 725 |
| Retained earnings to average equity (ytd only) | 10.3406% | 697 |
| Net charge-offs to loans | 0.7598% | 184 |
| Credit loss provision to net charge-offs | 135.1523% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.5704% | 2,904 |
| Efficiency ratio | 60.1995% | 3,363 |
| Assets per employee ($millions) | 3.9452% | 4,356 |
| Cash dividends to net income (ytd only)* | 30.1543% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,006 |
| Loan loss allowance to noncurrent loans | 48.9765% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.5924% | 103 |
| Noncurrent loans to loans | 2.3189% | 476 |
| Net loans and leases to total assets | 78.8863% | 725 |
| Net loans and leases to deposits | 90.6722% | 1,203 |
| Net loans and leases to core deposits | 103.7777% | 939 |
| Total domestic deposits to total assets | 87.0016% | 1,671 |
| Equity capital to assets | 9.6911% | 3,524 |
| Core capital (leverage) ratio | 9.2621% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0600% | 2,173 |
| Memoranda: | ||
| Average total assets | $349,626,000 | 2,032 |
| Average earning assets | $328,270,000 | 2,016 |
| Average equity | $32,105,500 | 2,371 |
| Average total loans | $276,574,250 | 1,779 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,273 |
| Cost of funding earning assets | 0.8735% | 1,486 |
| Net interest margin | 3.8804% | 1,619 |
| Noninterest income to average assets | 0.4428% | 2,841 |
| Noninterest expense to average assets | 3.0499% | 1,463 |
| Loan and lease loss provision to assets | 0.2177% | 1,917 |
| Net operating income to assets | 0.8117% | 3,003 |
| Return on assets (ROA) | 0.8507% | 2,980 |
| Pretax return on assets | 0.8507% | 3,457 |
| Return on Equity (ROE) | 9.4392% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.3075% | 2,345 |
| Net charge-offs to loans | 1.1345% | 122 |
| Credit loss provision to net charge-offs | 24.3278% | 2,721 |
| Earnings coverage of net charge-offs (x) | 1.1504% | 2,877 |
| Efficiency ratio | 74.7648% | 1,395 |
| Assets per employee ($millions) | 3.9762% | 4,336 |
| Cash dividends to net income (ytd only)* | 43.7710% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 4,819 |
| Loan loss allowance to noncurrent loans | 28.6223% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.8079% | 96 |
| Noncurrent loans to loans | 1.7925% | 784 |
| Net loans and leases to total assets | 78.3534% | 810 |
| Net loans and leases to deposits | 89.2946% | 1,415 |
| Net loans and leases to core deposits | 101.5769% | 1,145 |
| Total domestic deposits to total assets | 87.7471% | 1,307 |
| Equity capital to assets | 9.0718% | 4,019 |
| Core capital (leverage) ratio | 8.9259% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4454% | 2,839 |
| Memoranda: | ||
| Average total assets | $349,125,667 | 2,003 |
| Average earning assets | $327,182,667 | 1,989 |
| Average equity | $31,464,667 | 2,389 |
| Average total loans | $275,374,667 | 1,767 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,860 |
| Cost of funding earning assets | 0.9637% | 1,590 |
| Net interest margin | 3.6850% | 2,377 |
| Noninterest income to average assets | 0.5314% | 2,381 |
| Noninterest expense to average assets | 3.2138% | 1,398 |
| Loan and lease loss provision to assets | 0.1972% | 1,536 |
| Net operating income to assets | 0.5720% | 3,681 |
| Return on assets (ROA) | 0.5720% | 3,745 |
| Pretax return on assets | 0.5720% | 3,974 |
| Return on Equity (ROE) | 6.3685% | 3,188 |
| Retained earnings to average equity (ytd only) | 1.8472% | 3,496 |
| Net charge-offs to loans | 0.0015% | 2,542 |
| Credit loss provision to net charge-offs | 17,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 90 |
| Efficiency ratio | 80.6874% | 1,071 |
| Assets per employee ($millions) | 3.6452% | 4,337 |
| Cash dividends to net income (ytd only)* | 70.9939% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,595 |
| Loan loss allowance to noncurrent loans | 39.8802% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 4.6882% | 74 |
| Noncurrent loans to loans | 2.5583% | 459 |
| Net loans and leases to total assets | 80.8850% | 579 |
| Net loans and leases to deposits | 92.5712% | 1,222 |
| Net loans and leases to core deposits | 108.6033% | 918 |
| Total domestic deposits to total assets | 87.3761% | 1,390 |
| Equity capital to assets | 9.2287% | 4,445 |
| Core capital (leverage) ratio | 9.2726% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0772% | 2,661 |
| Memoranda: | ||
| Average total assets | $344,760,000 | 1,981 |
| Average earning assets | $322,930,500 | 1,963 |
| Average equity | $30,965,000 | 2,404 |
| Average total loans | $272,142,500 | 1,748 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,464 |
| Cost of funding earning assets | 1.0301% | 1,599 |
| Net interest margin | 3.6229% | 3,069 |
| Noninterest income to average assets | 0.4750% | 2,879 |
| Noninterest expense to average assets | 3.6182% | 839 |
| Loan and lease loss provision to assets | 0.2392% | 792 |
| Net operating income to assets | 0.0319% | 4,954 |
| Return on assets (ROA) | 0.0330% | 4,973 |
| Pretax return on assets | 0.0330% | 4,970 |
| Return on Equity (ROE) | 0.3684% | 4,967 |
| Retained earnings to average equity (ytd only) | -3.9189% | 4,947 |
| Net charge-offs to loans | 0.4223% | 458 |
| Credit loss provision to net charge-offs | 72.0412% | 2,888 |
| Earnings coverage of net charge-offs (x) | 0.8165% | 3,592 |
| Efficiency ratio | 93.0297% | 266 |
| Assets per employee ($millions) | 3.9352% | 3,991 |
| Cash dividends to net income (ytd only)* | 1,163.7931% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,637 |
| Loan loss allowance to noncurrent loans | 51.8350% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.8714% | 106 |
| Noncurrent loans to loans | 1.8754% | 705 |
| Net loans and leases to total assets | 75.5608% | 1,490 |
| Net loans and leases to deposits | 91.1522% | 1,467 |
| Net loans and leases to core deposits | 106.5891% | 1,075 |
| Total domestic deposits to total assets | 82.8953% | 3,234 |
| Equity capital to assets | 8.7476% | 4,804 |
| Core capital (leverage) ratio | 9.0949% | 4,451 |
| Tier 1 risk-based capital ratio | 11.9118% | 4,412 |
| Total risk-based capital ratio | 12.9266% | 4,424 |
| Memoranda: | ||
| Average total assets | $351,166,600 | 1,906 |
| Average earning assets | $330,953,600 | 1,876 |
| Average equity | $31,488,200 | 2,320 |
| Average total loans | $276,105,600 | 1,711 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 2,326 |
| Cost of funding earning assets | 1.0638% | 1,491 |
| Net interest margin | 3.6652% | 3,046 |
| Noninterest income to average assets | 0.4570% | 2,984 |
| Noninterest expense to average assets | 3.7961% | 662 |
| Loan and lease loss provision to assets | 0.3063% | 479 |
| Net operating income to assets | -0.1899% | 5,104 |
| Return on assets (ROA) | -0.1883% | 5,109 |
| Pretax return on assets | -0.1883% | 5,102 |
| Return on Equity (ROE) | -2.0876% | 5,122 |
| Retained earnings to average equity (ytd only) | -6.1994% | 5,091 |
| Net charge-offs to loans | 0.5418% | 306 |
| Credit loss provision to net charge-offs | 71.3652% | 2,602 |
| Earnings coverage of net charge-offs (x) | 0.2713% | 3,367 |
| Efficiency ratio | 97.0242% | 179 |
| Assets per employee ($millions) | 3.8966% | 4,033 |
| Cash dividends to net income (ytd only)* | -196.9711% | 5,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,725 |
| Loan loss allowance to noncurrent loans | 53.4974% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 3.9181% | 108 |
| Noncurrent loans to loans | 1.8149% | 787 |
| Net loans and leases to total assets | 77.3773% | 1,246 |
| Net loans and leases to deposits | 90.8061% | 1,589 |
| Net loans and leases to core deposits | 106.3187% | 1,162 |
| Total domestic deposits to total assets | 85.2116% | 2,341 |
| Equity capital to assets | 8.8172% | 4,869 |
| Core capital (leverage) ratio | 8.8562% | 4,742 |
| Tier 1 risk-based capital ratio | 11.8944% | 4,464 |
| Total risk-based capital ratio | 12.9171% | 4,491 |
| Memoranda: | ||
| Average total assets | $350,417,000 | 1,918 |
| Average earning assets | $330,378,500 | 1,898 |
| Average equity | $31,615,000 | 2,333 |
| Average total loans | $277,572,750 | 1,711 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 2,256 |
| Cost of funding earning assets | 1.0352% | 1,552 |
| Net interest margin | 3.7033% | 2,922 |
| Noninterest income to average assets | 0.4146% | 3,173 |
| Noninterest expense to average assets | 3.1477% | 1,620 |
| Loan and lease loss provision to assets | 0.0398% | 3,017 |
| Net operating income to assets | 0.7190% | 3,939 |
| Return on assets (ROA) | 0.7190% | 3,999 |
| Pretax return on assets | 0.7190% | 4,287 |
| Return on Equity (ROE) | 7.9097% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.1551% | 3,168 |
| Net charge-offs to loans | 0.2574% | 651 |
| Credit loss provision to net charge-offs | 19.4444% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.7056% | 2,804 |
| Efficiency ratio | 80.5766% | 922 |
| Assets per employee ($millions) | 3.6939% | 4,251 |
| Cash dividends to net income (ytd only)* | 47.4684% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,849 |
| Loan loss allowance to noncurrent loans | 47.5621% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.3324% | 158 |
| Noncurrent loans to loans | 2.0122% | 707 |
| Net loans and leases to total assets | 78.5347% | 1,120 |
| Net loans and leases to deposits | 91.9473% | 1,491 |
| Net loans and leases to core deposits | 109.2912% | 1,016 |
| Total domestic deposits to total assets | 85.4127% | 2,297 |
| Equity capital to assets | 9.3111% | 4,568 |
| Core capital (leverage) ratio | 9.4647% | 4,180 |
| Tier 1 risk-based capital ratio | 12.4742% | 4,137 |
| Total risk-based capital ratio | 13.4890% | 4,143 |
| Memoranda: | ||
| Average total assets | $351,623,330 | 1,929 |
| Average earning assets | $331,539,000 | 1,901 |
| Average equity | $31,960,670 | 2,305 |
| Average total loans | $279,772,330 | 1,713 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 2,264 |
| Cost of funding earning assets | 0.9838% | 1,637 |
| Net interest margin | 3.7048% | 2,875 |
| Noninterest income to average assets | 0.5080% | 2,509 |
| Noninterest expense to average assets | 3.1593% | 1,599 |
| Loan and lease loss provision to assets | 0.0398% | 2,831 |
| Net operating income to assets | 0.7966% | 3,633 |
| Return on assets (ROA) | 0.7966% | 3,679 |
| Pretax return on assets | 0.7966% | 4,053 |
| Return on Equity (ROE) | 8.8723% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.0753% | 2,878 |
| Net charge-offs to loans | 0.8470% | 175 |
| Credit loss provision to net charge-offs | 5.8923% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 2,610 |
| Efficiency ratio | 79.0671% | 1,153 |
| Assets per employee ($millions) | 3.7569% | 4,266 |
| Cash dividends to net income (ytd only)* | 42.7960% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,349 |
| Loan loss allowance to noncurrent loans | 45.6348% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.3323% | 164 |
| Noncurrent loans to loans | 1.8602% | 822 |
| Net loans and leases to total assets | 78.3446% | 1,097 |
| Net loans and leases to deposits | 91.0914% | 1,501 |
| Net loans and leases to core deposits | 109.7696% | 942 |
| Total domestic deposits to total assets | 86.0066% | 2,281 |
| Equity capital to assets | 8.9688% | 4,704 |
| Core capital (leverage) ratio | 9.5380% | 4,086 |
| Tier 1 risk-based capital ratio | 12.2839% | 4,308 |
| Total risk-based capital ratio | 13.1895% | 4,390 |
| Memoranda: | ||
| Average total assets | $351,977,000 | 1,942 |
| Average earning assets | $331,353,500 | 1,914 |
| Average equity | $31,604,000 | 2,322 |
| Average total loans | $280,531,500 | 1,717 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 1,510 |
| Cost of funding earning assets | 0.8473% | 1,322 |
| Net interest margin | 3.9705% | 2,090 |
| Noninterest income to average assets | 0.4309% | 3,234 |
| Noninterest expense to average assets | 3.1271% | 1,734 |
| Loan and lease loss provision to assets | 0.1871% | 1,029 |
| Net operating income to assets | 0.8282% | 3,699 |
| Return on assets (ROA) | 0.8282% | 3,698 |
| Pretax return on assets | 0.8282% | 4,098 |
| Return on Equity (ROE) | 9.1638% | 2,909 |
| Retained earnings to average equity (ytd only) | 1.4923% | 4,537 |
| Net charge-offs to loans | 0.0476% | 2,484 |
| Credit loss provision to net charge-offs | 496.8992% | 698 |
| Earnings coverage of net charge-offs (x) | 26.9612% | 1,706 |
| Efficiency ratio | 75.4898% | 1,430 |
| Assets per employee ($millions) | 3.7317% | 4,277 |
| Cash dividends to net income (ytd only)* | 83.7152% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,331 |
| Loan loss allowance to noncurrent loans | 52.2840% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.8257% | 128 |
| Noncurrent loans to loans | 2.0240% | 665 |
| Net loans and leases to total assets | 79.5565% | 1,010 |
| Net loans and leases to deposits | 95.1082% | 1,161 |
| Net loans and leases to core deposits | 108.8186% | 1,064 |
| Total domestic deposits to total assets | 83.6485% | 3,104 |
| Equity capital to assets | 8.9895% | 4,585 |
| Core capital (leverage) ratio | 9.4247% | 4,202 |
| Tier 1 risk-based capital ratio | 12.1800% | 4,308 |
| Total risk-based capital ratio | 13.3016% | 4,276 |
| Memoranda: | ||
| Average total assets | $342,556,600 | 1,941 |
| Average earning assets | $320,210,600 | 1,925 |
| Average equity | $30,958,800 | 2,287 |
| Average total loans | $271,133,800 | 1,721 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,471 |
| Cost of funding earning assets | 0.8132% | 1,271 |
| Net interest margin | 3.9697% | 2,053 |
| Noninterest income to average assets | 0.3749% | 3,634 |
| Noninterest expense to average assets | 3.1931% | 1,541 |
| Loan and lease loss provision to assets | 0.0746% | 2,467 |
| Net operating income to assets | 0.8150% | 3,857 |
| Return on assets (ROA) | 0.8150% | 3,866 |
| Pretax return on assets | 0.8150% | 4,253 |
| Return on Equity (ROE) | 9.0055% | 3,085 |
| Retained earnings to average equity (ytd only) | 1.3463% | 4,763 |
| Net charge-offs to loans | 0.0723% | 1,805 |
| Credit loss provision to net charge-offs | 130.8219% | 1,886 |
| Earnings coverage of net charge-offs (x) | 15.6029% | 2,209 |
| Efficiency ratio | 78.2114% | 1,099 |
| Assets per employee ($millions) | 3.6787% | 4,335 |
| Cash dividends to net income (ytd only)* | 85.0503% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,261 |
| Loan loss allowance to noncurrent loans | 252.7439% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 2.7109% | 300 |
| Noncurrent loans to loans | 0.3559% | 3,375 |
| Net loans and leases to total assets | 78.4012% | 1,275 |
| Net loans and leases to deposits | 93.5877% | 1,422 |
| Net loans and leases to core deposits | 108.0862% | 1,165 |
| Total domestic deposits to total assets | 83.7730% | 3,022 |
| Equity capital to assets | 8.8073% | 4,714 |
| Core capital (leverage) ratio | 9.4517% | 4,233 |
| Tier 1 risk-based capital ratio | 11.9073% | 4,551 |
| Total risk-based capital ratio | 12.8351% | 4,629 |
| Memoranda: | ||
| Average total assets | $341,433,250 | 1,954 |
| Average earning assets | $318,906,250 | 1,942 |
| Average equity | $30,899,000 | 2,285 |
| Average total loans | $269,153,750 | 1,736 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 1,327 |
| Cost of funding earning assets | 0.7944% | 1,146 |
| Net interest margin | 3.9762% | 1,939 |
| Noninterest income to average assets | 0.4015% | 3,477 |
| Noninterest expense to average assets | 3.1834% | 1,582 |
| Loan and lease loss provision to assets | 0.1128% | 1,755 |
| Net operating income to assets | 0.8230% | 3,779 |
| Return on assets (ROA) | 0.8230% | 3,784 |
| Pretax return on assets | 0.8230% | 4,187 |
| Return on Equity (ROE) | 9.0113% | 3,016 |
| Retained earnings to average equity (ytd only) | 1.2541% | 4,703 |
| Net charge-offs to loans | -0.0120% | 4,374 |
| Credit loss provision to net charge-offs | -1,193.7500% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2825% | 1,276 |
| Assets per employee ($millions) | 3.5832% | 4,496 |
| Cash dividends to net income (ytd only)* | 86.0832% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,965 |
| Loan loss allowance to noncurrent loans | 264.4711% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 2.8242% | 275 |
| Noncurrent loans to loans | 0.3700% | 3,366 |
| Net loans and leases to total assets | 77.9465% | 1,323 |
| Net loans and leases to deposits | 91.7442% | 1,614 |
| Net loans and leases to core deposits | 106.4080% | 1,214 |
| Total domestic deposits to total assets | 84.9606% | 2,693 |
| Equity capital to assets | 8.9319% | 4,608 |
| Core capital (leverage) ratio | 9.4201% | 4,221 |
| Tier 1 risk-based capital ratio | 12.2994% | 4,311 |
| Total risk-based capital ratio | 13.3244% | 4,326 |
| Memoranda: | ||
| Average total assets | $338,753,330 | 1,972 |
| Average earning assets | $316,731,000 | 1,955 |
| Average equity | $30,939,000 | 2,292 |
| Average total loans | $266,712,330 | 1,754 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 1,149 |
| Cost of funding earning assets | 0.7792% | 1,053 |
| Net interest margin | 3.9877% | 1,763 |
| Noninterest income to average assets | 0.5117% | 2,740 |
| Noninterest expense to average assets | 3.1059% | 1,809 |
| Loan and lease loss provision to assets | 0.2261% | 698 |
| Net operating income to assets | 0.9068% | 3,262 |
| Return on assets (ROA) | 0.9068% | 3,270 |
| Pretax return on assets | 0.9068% | 3,825 |
| Return on Equity (ROE) | 9.8177% | 2,527 |
| Retained earnings to average equity (ytd only) | 2.0872% | 4,326 |
| Net charge-offs to loans | -0.0423% | 4,892 |
| Credit loss provision to net charge-offs | -678.5714% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2734% | 2,004 |
| Assets per employee ($millions) | 3.3728% | 4,822 |
| Cash dividends to net income (ytd only)* | 78.7402% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,991 |
| Loan loss allowance to noncurrent loans | 295.5556% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 3.0560% | 260 |
| Noncurrent loans to loans | 0.3369% | 3,554 |
| Net loans and leases to total assets | 78.4283% | 1,174 |
| Net loans and leases to deposits | 88.1642% | 1,910 |
| Net loans and leases to core deposits | 103.0480% | 1,449 |
| Total domestic deposits to total assets | 88.9571% | 1,111 |
| Equity capital to assets | 9.1530% | 4,414 |
| Core capital (leverage) ratio | 9.3808% | 4,214 |
| Tier 1 risk-based capital ratio | 12.3877% | 4,316 |
| Total risk-based capital ratio | 13.4250% | 4,345 |
| Memoranda: | ||
| Average total assets | $336,135,000 | 1,993 |
| Average earning assets | $314,162,500 | 1,979 |
| Average equity | $31,046,000 | 2,302 |
| Average total loans | $264,679,500 | 1,770 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,159 |
| Cost of funding earning assets | 0.6923% | 1,070 |
| Net interest margin | 4.0248% | 1,674 |
| Noninterest income to average assets | 0.5715% | 2,601 |
| Noninterest expense to average assets | 3.2743% | 1,423 |
| Loan and lease loss provision to assets | 0.0784% | 2,628 |
| Net operating income to assets | 0.9673% | 2,372 |
| Return on assets (ROA) | 0.9790% | 2,372 |
| Pretax return on assets | 0.9790% | 3,647 |
| Return on Equity (ROE) | 10.6163% | 1,627 |
| Retained earnings to average equity (ytd only) | 4.3243% | 2,556 |
| Net charge-offs to loans | 0.2523% | 1,037 |
| Credit loss provision to net charge-offs | 40.0616% | 3,439 |
| Earnings coverage of net charge-offs (x) | 5.3451% | 3,345 |
| Efficiency ratio | 75.7954% | 1,650 |
| Assets per employee ($millions) | 3.3499% | 4,877 |
| Cash dividends to net income (ytd only)* | 59.2672% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,310 |
| Loan loss allowance to noncurrent loans | 288.3117% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 3.1224% | 249 |
| Noncurrent loans to loans | 0.3231% | 3,612 |
| Net loans and leases to total assets | 77.5348% | 1,346 |
| Net loans and leases to deposits | 87.5007% | 2,083 |
| Net loans and leases to core deposits | 102.4228% | 1,527 |
| Total domestic deposits to total assets | 88.6105% | 1,190 |
| Equity capital to assets | 9.3199% | 4,409 |
| Core capital (leverage) ratio | 9.4434% | 4,114 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,247 |
| Total risk-based capital ratio | 13.3893% | 4,333 |
| Memoranda: | ||
| Average total assets | $331,763,800 | 2,001 |
| Average earning assets | $308,985,600 | 1,996 |
| Average equity | $30,594,400 | 2,319 |
| Average total loans | $257,254,600 | 1,773 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,163 |
| Cost of funding earning assets | 0.6742% | 1,099 |
| Net interest margin | 4.0147% | 1,653 |
| Noninterest income to average assets | 0.5741% | 2,612 |
| Noninterest expense to average assets | 3.3591% | 1,226 |
| Loan and lease loss provision to assets | 0.0419% | 3,270 |
| Net operating income to assets | 0.9109% | 2,972 |
| Return on assets (ROA) | 0.9270% | 2,954 |
| Pretax return on assets | 0.9270% | 3,944 |
| Return on Equity (ROE) | 10.0793% | 2,095 |
| Retained earnings to average equity (ytd only) | 3.7277% | 3,708 |
| Net charge-offs to loans | 0.2838% | 764 |
| Credit loss provision to net charge-offs | 19.0826% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.3394% | 3,241 |
| Efficiency ratio | 77.9034% | 1,341 |
| Assets per employee ($millions) | 3.2973% | 4,972 |
| Cash dividends to net income (ytd only)* | 63.0163% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,442 |
| Loan loss allowance to noncurrent loans | 276.3889% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 3.0673% | 287 |
| Noncurrent loans to loans | 0.3352% | 3,751 |
| Net loans and leases to total assets | 76.6878% | 1,472 |
| Net loans and leases to deposits | 85.8690% | 2,310 |
| Net loans and leases to core deposits | 99.3121% | 1,767 |
| Total domestic deposits to total assets | 89.3079% | 743 |
| Equity capital to assets | 9.3348% | 4,619 |
| Core capital (leverage) ratio | 9.3690% | 4,329 |
| Tier 1 risk-based capital ratio | 12.3285% | 4,424 |
| Total risk-based capital ratio | 13.2740% | 4,489 |
| Memoranda: | ||
| Average total assets | $330,956,250 | 2,014 |
| Average earning assets | $308,128,000 | 2,013 |
| Average equity | $30,437,750 | 2,346 |
| Average total loans | $256,023,500 | 1,792 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 996 |
| Cost of funding earning assets | 0.6517% | 1,131 |
| Net interest margin | 4.0817% | 1,377 |
| Noninterest income to average assets | 0.5275% | 2,845 |
| Noninterest expense to average assets | 3.3603% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9635% | 2,593 |
| Return on assets (ROA) | 0.9877% | 2,533 |
| Pretax return on assets | 0.9877% | 3,612 |
| Return on Equity (ROE) | 10.7938% | 1,720 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,403 |
| Net charge-offs to loans | 0.1542% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.0761% | 2,538 |
| Efficiency ratio | 77.7171% | 1,503 |
| Assets per employee ($millions) | 3.1939% | 5,105 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,842 |
| Loan loss allowance to noncurrent loans | 479.5993% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 3.1024% | 286 |
| Noncurrent loans to loans | 0.2192% | 4,246 |
| Net loans and leases to total assets | 76.0731% | 1,539 |
| Net loans and leases to deposits | 85.2521% | 2,318 |
| Net loans and leases to core deposits | 97.8625% | 1,820 |
| Total domestic deposits to total assets | 89.2331% | 840 |
| Equity capital to assets | 9.4565% | 4,448 |
| Core capital (leverage) ratio | 9.4341% | 4,195 |
| Tier 1 risk-based capital ratio | 12.7472% | 4,154 |
| Total risk-based capital ratio | 13.8345% | 4,156 |
| Memoranda: | ||
| Average total assets | $330,264,330 | 2,020 |
| Average earning assets | $307,174,670 | 2,015 |
| Average equity | $30,221,000 | 2,356 |
| Average total loans | $255,437,000 | 1,791 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,184 |
| Cost of funding earning assets | 0.6391% | 1,136 |
| Net interest margin | 3.9418% | 1,637 |
| Noninterest income to average assets | 0.6508% | 2,173 |
| Noninterest expense to average assets | 3.2950% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0213% | 2,220 |
| Return on assets (ROA) | 1.0213% | 2,273 |
| Pretax return on assets | 1.0213% | 3,284 |
| Return on Equity (ROE) | 11.3472% | 1,449 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,714 |
| Net charge-offs to loans | 0.1318% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.9882% | 1,963 |
| Efficiency ratio | 76.3378% | 1,862 |
| Assets per employee ($millions) | 3.2516% | 5,104 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,812 |
| Loan loss allowance to noncurrent loans | 481.4035% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 3.3717% | 259 |
| Noncurrent loans to loans | 0.2248% | 4,305 |
| Net loans and leases to total assets | 76.3813% | 1,352 |
| Net loans and leases to deposits | 85.2596% | 2,118 |
| Net loans and leases to core deposits | 97.2188% | 1,731 |
| Total domestic deposits to total assets | 89.5868% | 856 |
| Equity capital to assets | 9.2056% | 4,612 |
| Core capital (leverage) ratio | 9.4311% | 4,198 |
| Tier 1 risk-based capital ratio | 12.7179% | 4,245 |
| Total risk-based capital ratio | 13.8552% | 4,229 |
| Memoranda: | ||
| Average total assets | $332,508,500 | 2,030 |
| Average earning assets | $309,198,500 | 2,028 |
| Average equity | $29,928,000 | 2,382 |
| Average total loans | $257,925,000 | 1,786 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 929 |
| Cost of funding earning assets | 0.6116% | 1,265 |
| Net interest margin | 4.1610% | 1,209 |
| Noninterest income to average assets | 0.4149% | 3,777 |
| Noninterest expense to average assets | 3.1816% | 1,839 |
| Loan and lease loss provision to assets | 0.0835% | 2,689 |
| Net operating income to assets | 1.0083% | 2,321 |
| Return on assets (ROA) | 1.0163% | 2,386 |
| Pretax return on assets | 1.0163% | 3,422 |
| Return on Equity (ROE) | 11.5284% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.7811% | 1,837 |
| Net charge-offs to loans | 0.0164% | 3,748 |
| Credit loss provision to net charge-offs | 651.1628% | 532 |
| Earnings coverage of net charge-offs (x) | 85.1860% | 682 |
| Efficiency ratio | 74.4525% | 2,232 |
| Assets per employee ($millions) | 3.4001% | 4,906 |
| Cash dividends to net income (ytd only)* | 49.8534% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,833 |
| Loan loss allowance to noncurrent loans | 316.5548% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 3.3692% | 267 |
| Noncurrent loans to loans | 0.3409% | 3,915 |
| Net loans and leases to total assets | 77.0727% | 1,352 |
| Net loans and leases to deposits | 91.1824% | 1,549 |
| Net loans and leases to core deposits | 103.9104% | 1,290 |
| Total domestic deposits to total assets | 84.5259% | 3,229 |
| Equity capital to assets | 8.8007% | 5,009 |
| Core capital (leverage) ratio | 9.2425% | 4,419 |
| Tier 1 risk-based capital ratio | 12.2460% | 4,543 |
| Total risk-based capital ratio | 13.3903% | 4,504 |
| Memoranda: | ||
| Average total assets | $335,528,200 | 1,973 |
| Average earning assets | $311,127,200 | 1,969 |
| Average equity | $29,579,000 | 2,384 |
| Average total loans | $262,214,400 | 1,717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 882 |
| Cost of funding earning assets | 0.6123% | 1,253 |
| Net interest margin | 4.1950% | 1,132 |
| Noninterest income to average assets | 0.5003% | 3,244 |
| Noninterest expense to average assets | 3.3036% | 1,557 |
| Loan and lease loss provision to assets | 0.1114% | 2,068 |
| Net operating income to assets | 0.9732% | 2,556 |
| Return on assets (ROA) | 0.9827% | 2,644 |
| Pretax return on assets | 0.9827% | 3,694 |
| Return on Equity (ROE) | 11.1425% | 1,622 |
| Retained earnings to average equity (ytd only) | 5.5059% | 2,475 |
| Net charge-offs to loans | 0.0137% | 3,469 |
| Credit loss provision to net charge-offs | 1,037.0370% | 388 |
| Earnings coverage of net charge-offs (x) | 100.9975% | 650 |
| Efficiency ratio | 75.2855% | 2,062 |
| Assets per employee ($millions) | 3.1797% | 5,208 |
| Cash dividends to net income (ytd only)* | 50.5870% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,903 |
| Loan loss allowance to noncurrent loans | 356.8922% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 3.6506% | 256 |
| Noncurrent loans to loans | 0.3047% | 4,160 |
| Net loans and leases to total assets | 78.3416% | 1,139 |
| Net loans and leases to deposits | 89.5872% | 1,812 |
| Net loans and leases to core deposits | 101.7186% | 1,505 |
| Total domestic deposits to total assets | 87.4472% | 1,692 |
| Equity capital to assets | 9.1665% | 5,008 |
| Core capital (leverage) ratio | 8.9866% | 4,841 |
| Tier 1 risk-based capital ratio | 12.0388% | 4,766 |
| Total risk-based capital ratio | 13.1894% | 4,720 |
| Memoranda: | ||
| Average total assets | $335,258,250 | 1,976 |
| Average earning assets | $310,713,000 | 1,975 |
| Average equity | $29,567,750 | 2,397 |
| Average total loans | $262,202,250 | 1,725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 886 |
| Cost of funding earning assets | 0.6053% | 1,274 |
| Net interest margin | 4.1946% | 1,128 |
| Noninterest income to average assets | 0.4775% | 3,353 |
| Noninterest expense to average assets | 3.2947% | 1,601 |
| Loan and lease loss provision to assets | 0.1241% | 1,837 |
| Net operating income to assets | 0.9478% | 2,632 |
| Return on assets (ROA) | 0.9597% | 2,726 |
| Pretax return on assets | 0.9597% | 3,744 |
| Return on Equity (ROE) | 11.0233% | 1,632 |
| Retained earnings to average equity (ytd only) | 5.5662% | 2,383 |
| Net charge-offs to loans | 0.0114% | 3,318 |
| Credit loss provision to net charge-offs | 1,393.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 120.3333% | 489 |
| Efficiency ratio | 75.4522% | 2,154 |
| Assets per employee ($millions) | 3.2007% | 5,203 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 4,136 |
| Loan loss allowance to noncurrent loans | 268.1731% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 3.8174% | 255 |
| Noncurrent loans to loans | 0.3972% | 3,936 |
| Net loans and leases to total assets | 77.8188% | 1,230 |
| Net loans and leases to deposits | 88.1909% | 1,971 |
| Net loans and leases to core deposits | 100.2939% | 1,611 |
| Total domestic deposits to total assets | 88.2390% | 1,300 |
| Equity capital to assets | 9.0176% | 5,222 |
| Core capital (leverage) ratio | 8.8090% | 5,046 |
| Tier 1 risk-based capital ratio | 11.8373% | 4,947 |
| Total risk-based capital ratio | 12.9605% | 4,920 |
| Memoranda: | ||
| Average total assets | $336,783,000 | 1,979 |
| Average earning assets | $312,258,000 | 1,975 |
| Average equity | $29,319,670 | 2,420 |
| Average total loans | $262,299,330 | 1,715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 858 |
| Cost of funding earning assets | 0.6005% | 1,333 |
| Net interest margin | 4.1942% | 1,108 |
| Noninterest income to average assets | 0.5160% | 3,015 |
| Noninterest expense to average assets | 3.2485% | 1,726 |
| Loan and lease loss provision to assets | 0.1228% | 1,721 |
| Net operating income to assets | 1.0297% | 2,159 |
| Return on assets (ROA) | 1.0297% | 2,281 |
| Pretax return on assets | 1.0297% | 3,363 |
| Return on Equity (ROE) | 12.0396% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.2072% | 1,788 |
| Net charge-offs to loans | 0.0625% | 1,870 |
| Credit loss provision to net charge-offs | 253.6585% | 937 |
| Earnings coverage of net charge-offs (x) | 23.8049% | 1,352 |
| Efficiency ratio | 73.8127% | 2,512 |
| Assets per employee ($millions) | 3.2437% | 5,204 |
| Cash dividends to net income (ytd only)* | 40.1376% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,614 |
| Loan loss allowance to noncurrent loans | 184.7010% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 3.7499% | 279 |
| Noncurrent loans to loans | 0.5412% | 3,564 |
| Net loans and leases to total assets | 77.9710% | 1,107 |
| Net loans and leases to deposits | 88.9486% | 1,710 |
| Net loans and leases to core deposits | 101.1654% | 1,395 |
| Total domestic deposits to total assets | 87.6585% | 1,823 |
| Equity capital to assets | 8.7004% | 5,421 |
| Core capital (leverage) ratio | 8.6728% | 5,204 |
| Tier 1 risk-based capital ratio | 11.4002% | 5,283 |
| Total risk-based capital ratio | 12.4407% | 5,308 |
| Memoranda: | ||
| Average total assets | $338,738,500 | 1,975 |
| Average earning assets | $313,763,500 | 1,981 |
| Average equity | $28,971,000 | 2,436 |
| Average total loans | $262,536,000 | 1,711 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,086 |
| Cost of funding earning assets | 0.5733% | 1,568 |
| Net interest margin | 4.1352% | 1,322 |
| Noninterest income to average assets | -1.1667% | 6,179 |
| Noninterest expense to average assets | 3.1220% | 2,172 |
| Loan and lease loss provision to assets | 0.2617% | 712 |
| Net operating income to assets | -0.7627% | 6,082 |
| Return on assets (ROA) | -0.7033% | 6,076 |
| Pretax return on assets | -0.7033% | 6,069 |
| Return on Equity (ROE) | -7.3911% | 6,075 |
| Retained earnings to average equity (ytd only) | -12.2978% | 6,065 |
| Net charge-offs to loans | 0.4780% | 565 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | -1.3676% | 4,344 |
| Efficiency ratio | 119.1160% | 96 |
| Assets per employee ($millions) | 3.1494% | 5,357 |
| Cash dividends to net income (ytd only)* | -66.3880% | 6,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,622 |
| Loan loss allowance to noncurrent loans | 186.8156% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 3.7682% | 284 |
| Noncurrent loans to loans | 0.5351% | 3,559 |
| Net loans and leases to total assets | 75.4977% | 1,492 |
| Net loans and leases to deposits | 86.0161% | 2,130 |
| Net loans and leases to core deposits | 97.5328% | 1,712 |
| Total domestic deposits to total assets | 87.7717% | 1,761 |
| Equity capital to assets | 8.4060% | 5,623 |
| Core capital (leverage) ratio | 8.4111% | 5,514 |
| Tier 1 risk-based capital ratio | 11.5033% | 5,252 |
| Total risk-based capital ratio | 12.5471% | 5,272 |
| Memoranda: | ||
| Average total assets | $340,105,600 | 1,922 |
| Average earning assets | $311,519,800 | 1,945 |
| Average equity | $32,363,400 | 2,179 |
| Average total loans | $260,665,000 | 1,669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,081 |
| Cost of funding earning assets | 0.5676% | 1,650 |
| Net interest margin | 4.1424% | 1,297 |
| Noninterest income to average assets | 0.4606% | 3,631 |
| Noninterest expense to average assets | 3.1371% | 2,124 |
| Loan and lease loss provision to assets | 0.1760% | 1,203 |
| Net operating income to assets | 0.9358% | 2,774 |
| Return on assets (ROA) | 1.0150% | 2,493 |
| Pretax return on assets | 1.0150% | 3,555 |
| Return on Equity (ROE) | 10.3642% | 1,941 |
| Retained earnings to average equity (ytd only) | 4.4075% | 3,334 |
| Net charge-offs to loans | 0.4996% | 480 |
| Credit loss provision to net charge-offs | 45.9100% | 3,083 |
| Earnings coverage of net charge-offs (x) | 2.8998% | 3,585 |
| Efficiency ratio | 73.8328% | 2,584 |
| Assets per employee ($millions) | 3.1660% | 5,345 |
| Cash dividends to net income (ytd only)* | 57.4740% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 5,019 |
| Loan loss allowance to noncurrent loans | 114.1038% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 5.7043% | 153 |
| Noncurrent loans to loans | 0.8243% | 2,909 |
| Net loans and leases to total assets | 75.2016% | 1,507 |
| Net loans and leases to deposits | 84.9311% | 2,293 |
| Net loans and leases to core deposits | 95.9475% | 1,888 |
| Total domestic deposits to total assets | 88.5442% | 1,275 |
| Equity capital to assets | 9.9473% | 4,226 |
| Core capital (leverage) ratio | 9.7864% | 3,918 |
| Tier 1 risk-based capital ratio | 13.5939% | 4,085 |
| Total risk-based capital ratio | 14.5709% | 4,166 |
| Memoranda: | ||
| Average total assets | $340,098,000 | 1,938 |
| Average earning assets | $311,022,250 | 1,959 |
| Average equity | $33,306,250 | 2,144 |
| Average total loans | $260,984,250 | 1,675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 1,064 |
| Cost of funding earning assets | 0.5582% | 1,751 |
| Net interest margin | 4.1425% | 1,243 |
| Noninterest income to average assets | 0.4323% | 3,837 |
| Noninterest expense to average assets | 3.0739% | 2,329 |
| Loan and lease loss provision to assets | 0.1750% | 1,188 |
| Net operating income to assets | 0.9708% | 2,533 |
| Return on assets (ROA) | 1.0883% | 2,086 |
| Pretax return on assets | 1.0883% | 3,226 |
| Return on Equity (ROE) | 11.1708% | 1,626 |
| Retained earnings to average equity (ytd only) | 5.5161% | 2,528 |
| Net charge-offs to loans | 0.4606% | 555 |
| Credit loss provision to net charge-offs | 49.3377% | 2,715 |
| Earnings coverage of net charge-offs (x) | 3.2301% | 3,218 |
| Efficiency ratio | 72.8462% | 2,870 |
| Assets per employee ($millions) | 3.2836% | 5,190 |
| Cash dividends to net income (ytd only)* | 50.6206% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,796 |
| Loan loss allowance to noncurrent loans | 120.9058% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 5.7578% | 167 |
| Noncurrent loans to loans | 0.8391% | 3,029 |
| Net loans and leases to total assets | 75.5092% | 1,433 |
| Net loans and leases to deposits | 85.7189% | 2,081 |
| Net loans and leases to core deposits | 96.6134% | 1,749 |
| Total domestic deposits to total assets | 88.0893% | 1,603 |
| Equity capital to assets | 9.7532% | 4,344 |
| Core capital (leverage) ratio | 9.8582% | 3,793 |
| Tier 1 risk-based capital ratio | 13.2658% | 4,366 |
| Total risk-based capital ratio | 14.3133% | 4,395 |
| Memoranda: | ||
| Average total assets | $340,542,670 | 1,947 |
| Average earning assets | $311,356,000 | 1,971 |
| Average equity | $33,175,670 | 2,163 |
| Average total loans | $262,254,000 | 1,670 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 977 |
| Cost of funding earning assets | 0.5586% | 1,763 |
| Net interest margin | 4.1738% | 1,120 |
| Noninterest income to average assets | 0.5258% | 3,116 |
| Noninterest expense to average assets | 3.1476% | 2,141 |
| Loan and lease loss provision to assets | 0.1741% | 1,128 |
| Net operating income to assets | 1.0186% | 2,172 |
| Return on assets (ROA) | 1.2539% | 1,484 |
| Pretax return on assets | 1.2539% | 2,452 |
| Return on Equity (ROE) | 12.8783% | 1,123 |
| Retained earnings to average equity (ytd only) | 6.9828% | 2,020 |
| Net charge-offs to loans | 0.6886% | 349 |
| Credit loss provision to net charge-offs | 32.6711% | 2,254 |
| Earnings coverage of net charge-offs (x) | 2.2384% | 2,799 |
| Efficiency ratio | 72.5203% | 3,086 |
| Assets per employee ($millions) | 2.9872% | 5,684 |
| Cash dividends to net income (ytd only)* | 45.7786% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,917 |
| Loan loss allowance to noncurrent loans | 105.9719% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 5.9709% | 173 |
| Noncurrent loans to loans | 0.9626% | 2,848 |
| Net loans and leases to total assets | 76.0053% | 1,206 |
| Net loans and leases to deposits | 84.9584% | 1,957 |
| Net loans and leases to core deposits | 95.3549% | 1,663 |
| Total domestic deposits to total assets | 89.4618% | 1,012 |
| Equity capital to assets | 9.8506% | 4,326 |
| Core capital (leverage) ratio | 9.6449% | 4,090 |
| Tier 1 risk-based capital ratio | 13.0605% | 4,569 |
| Total risk-based capital ratio | 14.1026% | 4,608 |
| Memoranda: | ||
| Average total assets | $340,064,500 | 1,954 |
| Average earning assets | $310,794,500 | 1,982 |
| Average equity | $33,110,000 | 2,171 |
| Average total loans | $263,128,000 | 1,666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 1,470 |
| Cost of funding earning assets | 0.5745% | 2,006 |
| Net interest margin | 4.0558% | 1,716 |
| Noninterest income to average assets | -0.3103% | 6,484 |
| Noninterest expense to average assets | 3.2298% | 2,132 |
| Loan and lease loss provision to assets | 1.0909% | 90 |
| Net operating income to assets | -0.8741% | 6,356 |
| Return on assets (ROA) | -0.8738% | 6,357 |
| Pretax return on assets | -0.8738% | 6,349 |
| Return on Equity (ROE) | -8.5871% | 6,343 |
| Retained earnings to average equity (ytd only) | -12.7156% | 6,357 |
| Net charge-offs to loans | 1.8854% | 111 |
| Credit loss provision to net charge-offs | 72.2366% | 3,018 |
| Earnings coverage of net charge-offs (x) | 0.1435% | 4,689 |
| Efficiency ratio | 93.7104% | 610 |
| Assets per employee ($millions) | 3.0316% | 5,654 |
| Cash dividends to net income (ytd only)* | -48.0769% | 6,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,522 |
| Loan loss allowance to noncurrent loans | 97.1664% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 6.0600% | 192 |
| Noncurrent loans to loans | 1.1365% | 2,567 |
| Net loans and leases to total assets | 77.0938% | 1,121 |
| Net loans and leases to deposits | 86.0888% | 1,968 |
| Net loans and leases to core deposits | 97.7276% | 1,569 |
| Total domestic deposits to total assets | 89.5515% | 946 |
| Equity capital to assets | 9.6239% | 4,559 |
| Core capital (leverage) ratio | 9.1052% | 4,818 |
| Tier 1 risk-based capital ratio | 12.8261% | 4,842 |
| Total risk-based capital ratio | 13.9879% | 4,802 |
| Memoranda: | ||
| Average total assets | $357,049,000 | 1,828 |
| Average earning assets | $330,733,400 | 1,815 |
| Average equity | $36,333,400 | 1,934 |
| Average total loans | $285,993,000 | 1,489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,065 |
| Cost of funding earning assets | 0.5673% | 2,130 |
| Net interest margin | 4.2592% | 1,133 |
| Noninterest income to average assets | 0.3431% | 4,694 |
| Noninterest expense to average assets | 3.0923% | 2,492 |
| Loan and lease loss provision to assets | 0.5567% | 256 |
| Net operating income to assets | 0.6521% | 4,208 |
| Return on assets (ROA) | 0.6517% | 4,307 |
| Pretax return on assets | 0.6517% | 4,869 |
| Return on Equity (ROE) | 6.3232% | 4,069 |
| Retained earnings to average equity (ytd only) | 1.3019% | 5,376 |
| Net charge-offs to loans | 0.8457% | 389 |
| Credit loss provision to net charge-offs | 81.6703% | 2,564 |
| Earnings coverage of net charge-offs (x) | 1.7733% | 4,079 |
| Efficiency ratio | 71.8951% | 3,200 |
| Assets per employee ($millions) | 3.2002% | 5,431 |
| Cash dividends to net income (ytd only)* | 79.4100% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 2,962 |
| Loan loss allowance to noncurrent loans | 28.0609% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 8.2202% | 126 |
| Noncurrent loans to loans | 5.1528% | 340 |
| Net loans and leases to total assets | 77.4106% | 1,038 |
| Net loans and leases to deposits | 90.2145% | 1,405 |
| Net loans and leases to core deposits | 102.3263% | 1,198 |
| Total domestic deposits to total assets | 85.8072% | 2,954 |
| Equity capital to assets | 10.3891% | 3,692 |
| Core capital (leverage) ratio | 10.3069% | 3,285 |
| Tier 1 risk-based capital ratio | 13.8502% | 4,319 |
| Total risk-based capital ratio | 15.1035% | 4,254 |
| Memoranda: | ||
| Average total assets | $360,667,500 | 1,819 |
| Average earning assets | $335,169,250 | 1,803 |
| Average equity | $37,174,500 | 1,897 |
| Average total loans | $290,728,000 | 1,483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 1,044 |
| Cost of funding earning assets | 0.5690% | 2,173 |
| Net interest margin | 4.2490% | 1,138 |
| Noninterest income to average assets | 0.4018% | 4,230 |
| Noninterest expense to average assets | 3.0759% | 2,580 |
| Loan and lease loss provision to assets | 0.5861% | 241 |
| Net operating income to assets | 0.6938% | 3,878 |
| Return on assets (ROA) | 0.6938% | 3,968 |
| Pretax return on assets | 0.6938% | 4,661 |
| Return on Equity (ROE) | 6.7489% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.6197% | 5,094 |
| Net charge-offs to loans | 0.7585% | 501 |
| Credit loss provision to net charge-offs | 95.0495% | 2,097 |
| Earnings coverage of net charge-offs (x) | 2.0756% | 3,649 |
| Efficiency ratio | 70.6167% | 3,551 |
| Assets per employee ($millions) | 3.1618% | 5,482 |
| Cash dividends to net income (ytd only)* | 76.0000% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 2,829 |
| Loan loss allowance to noncurrent loans | 30.7401% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 7.6615% | 148 |
| Noncurrent loans to loans | 4.9294% | 405 |
| Net loans and leases to total assets | 79.8588% | 702 |
| Net loans and leases to deposits | 94.3802% | 935 |
| Net loans and leases to core deposits | 107.2342% | 815 |
| Total domestic deposits to total assets | 84.6139% | 3,680 |
| Equity capital to assets | 10.5128% | 3,429 |
| Core capital (leverage) ratio | 10.4583% | 2,992 |
| Tier 1 risk-based capital ratio | 13.6971% | 4,455 |
| Total risk-based capital ratio | 14.9514% | 4,398 |
| Memoranda: | ||
| Average total assets | $360,349,670 | 1,819 |
| Average earning assets | $335,329,330 | 1,793 |
| Average equity | $37,043,000 | 1,897 |
| Average total loans | $292,957,330 | 1,459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 964 |
| Cost of funding earning assets | 0.5671% | 2,270 |
| Net interest margin | 4.2753% | 1,051 |
| Noninterest income to average assets | 0.3902% | 4,273 |
| Noninterest expense to average assets | 3.1115% | 2,490 |
| Loan and lease loss provision to assets | 0.5902% | 226 |
| Net operating income to assets | 0.6632% | 3,877 |
| Return on assets (ROA) | 0.6632% | 3,968 |
| Pretax return on assets | 0.6632% | 4,624 |
| Return on Equity (ROE) | 6.5245% | 3,733 |
| Retained earnings to average equity (ytd only) | 1.6311% | 4,959 |
| Net charge-offs to loans | 1.2981% | 252 |
| Credit loss provision to net charge-offs | 55.8577% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.1862% | 3,155 |
| Efficiency ratio | 71.2839% | 3,615 |
| Assets per employee ($millions) | 3.3197% | 5,312 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 3,734 |
| Loan loss allowance to noncurrent loans | 31.2272% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 7.4587% | 193 |
| Noncurrent loans to loans | 4.3939% | 568 |
| Net loans and leases to total assets | 80.6572% | 487 |
| Net loans and leases to deposits | 93.1496% | 863 |
| Net loans and leases to core deposits | 105.4454% | 776 |
| Total domestic deposits to total assets | 86.5889% | 3,054 |
| Equity capital to assets | 10.3316% | 3,422 |
| Core capital (leverage) ratio | 10.3438% | 3,126 |
| Tier 1 risk-based capital ratio | 13.3088% | 4,821 |
| Total risk-based capital ratio | 14.5610% | 4,745 |
| Memoranda: | ||
| Average total assets | $361,885,500 | 1,816 |
| Average earning assets | $336,441,000 | 1,794 |
| Average equity | $36,784,500 | 1,905 |
| Average total loans | $294,582,000 | 1,458 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 1,059 |
| Cost of funding earning assets | 0.6056% | 2,609 |
| Net interest margin | 4.3134% | 1,075 |
| Noninterest income to average assets | 0.4644% | 3,994 |
| Noninterest expense to average assets | 3.0151% | 3,010 |
| Loan and lease loss provision to assets | 0.8562% | 237 |
| Net operating income to assets | 0.6490% | 4,035 |
| Return on assets (ROA) | 0.6621% | 4,075 |
| Pretax return on assets | 0.6621% | 4,657 |
| Return on Equity (ROE) | 6.7257% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.7232% | 3,568 |
| Net charge-offs to loans | 1.1214% | 494 |
| Credit loss provision to net charge-offs | 94.2046% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.6561% | 4,502 |
| Efficiency ratio | 66.7023% | 4,428 |
| Assets per employee ($millions) | 3.2322% | 5,421 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,184 |
| Loan loss allowance to noncurrent loans | 31.2346% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 7.4844% | 219 |
| Noncurrent loans to loans | 4.8084% | 541 |
| Net loans and leases to total assets | 79.8146% | 614 |
| Net loans and leases to deposits | 91.1240% | 1,147 |
| Net loans and leases to core deposits | 103.0493% | 970 |
| Total domestic deposits to total assets | 87.5889% | 2,426 |
| Equity capital to assets | 10.0008% | 3,770 |
| Core capital (leverage) ratio | 10.2105% | 3,279 |
| Tier 1 risk-based capital ratio | 13.1013% | 4,911 |
| Total risk-based capital ratio | 14.3552% | 4,857 |
| Memoranda: | ||
| Average total assets | $372,128,400 | 1,756 |
| Average earning assets | $349,912,200 | 1,708 |
| Average equity | $36,635,600 | 1,889 |
| Average total loans | $301,598,200 | 1,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,115 |
| Cost of funding earning assets | 0.6133% | 2,706 |
| Net interest margin | 4.2911% | 1,117 |
| Noninterest income to average assets | 0.4772% | 3,955 |
| Noninterest expense to average assets | 3.0842% | 2,711 |
| Loan and lease loss provision to assets | 0.8684% | 205 |
| Net operating income to assets | 0.5696% | 4,475 |
| Return on assets (ROA) | 0.5870% | 4,536 |
| Pretax return on assets | 0.5870% | 5,067 |
| Return on Equity (ROE) | 5.9859% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.4403% | 4,237 |
| Net charge-offs to loans | 1.4855% | 318 |
| Credit loss provision to net charge-offs | 72.1268% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.1943% | 4,445 |
| Efficiency ratio | 68.2019% | 4,060 |
| Assets per employee ($millions) | 3.2116% | 5,470 |
| Cash dividends to net income (ytd only)* | 42.5274% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,596 |
| Loan loss allowance to noncurrent loans | 25.5718% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 7.6208% | 251 |
| Noncurrent loans to loans | 4.9260% | 618 |
| Net loans and leases to total assets | 79.9388% | 553 |
| Net loans and leases to deposits | 89.9540% | 1,170 |
| Net loans and leases to core deposits | 102.2270% | 981 |
| Total domestic deposits to total assets | 88.8662% | 1,633 |
| Equity capital to assets | 10.0029% | 3,898 |
| Core capital (leverage) ratio | 9.9998% | 3,681 |
| Tier 1 risk-based capital ratio | 12.7175% | 5,313 |
| Total risk-based capital ratio | 13.9678% | 5,260 |
| Memoranda: | ||
| Average total assets | $373,850,750 | 1,759 |
| Average earning assets | $352,408,750 | 1,715 |
| Average equity | $36,662,750 | 1,902 |
| Average total loans | $303,008,000 | 1,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 1,260 |
| Cost of funding earning assets | 0.6228% | 2,746 |
| Net interest margin | 4.2109% | 1,252 |
| Noninterest income to average assets | 0.4869% | 3,919 |
| Noninterest expense to average assets | 3.0252% | 2,919 |
| Loan and lease loss provision to assets | 0.8943% | 214 |
| Net operating income to assets | 0.5473% | 4,567 |
| Return on assets (ROA) | 0.5733% | 4,603 |
| Pretax return on assets | 0.5733% | 5,120 |
| Return on Equity (ROE) | 5.8832% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.2520% | 3,589 |
| Net charge-offs to loans | 1.2801% | 445 |
| Credit loss provision to net charge-offs | 86.1664% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.3890% | 4,079 |
| Efficiency ratio | 67.7262% | 4,229 |
| Assets per employee ($millions) | 3.3122% | 5,242 |
| Cash dividends to net income (ytd only)* | 27.7264% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,853 |
| Loan loss allowance to noncurrent loans | 37.2476% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 6.1988% | 431 |
| Noncurrent loans to loans | 3.8629% | 1,040 |
| Net loans and leases to total assets | 79.9987% | 538 |
| Net loans and leases to deposits | 90.3301% | 1,113 |
| Net loans and leases to core deposits | 102.3333% | 925 |
| Total domestic deposits to total assets | 88.5626% | 1,878 |
| Equity capital to assets | 9.7248% | 4,263 |
| Core capital (leverage) ratio | 9.7035% | 3,930 |
| Tier 1 risk-based capital ratio | 12.4294% | 5,548 |
| Total risk-based capital ratio | 13.6830% | 5,490 |
| Memoranda: | ||
| Average total assets | $377,496,330 | 1,746 |
| Average earning assets | $356,788,000 | 1,703 |
| Average equity | $36,783,000 | 1,898 |
| Average total loans | $306,074,000 | 1,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 1,157 |
| Cost of funding earning assets | 0.6494% | 2,664 |
| Net interest margin | 4.2203% | 1,139 |
| Noninterest income to average assets | 0.4263% | 4,277 |
| Noninterest expense to average assets | 2.9986% | 2,998 |
| Loan and lease loss provision to assets | 0.6489% | 372 |
| Net operating income to assets | 0.7829% | 3,260 |
| Return on assets (ROA) | 0.8346% | 3,128 |
| Pretax return on assets | 0.8346% | 4,022 |
| Return on Equity (ROE) | 8.5570% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.5570% | 1,539 |
| Net charge-offs to loans | 0.4752% | 1,258 |
| Credit loss provision to net charge-offs | 168.4932% | 1,249 |
| Earnings coverage of net charge-offs (x) | 3.7178% | 2,695 |
| Efficiency ratio | 67.6828% | 4,373 |
| Assets per employee ($millions) | 3.3670% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,418 |
| Loan loss allowance to noncurrent loans | 29.4894% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 6.7128% | 433 |
| Noncurrent loans to loans | 5.4076% | 678 |
| Net loans and leases to total assets | 80.0521% | 416 |
| Net loans and leases to deposits | 89.0168% | 1,047 |
| Net loans and leases to core deposits | 100.9018% | 896 |
| Total domestic deposits to total assets | 89.9293% | 1,091 |
| Equity capital to assets | 9.8920% | 4,289 |
| Core capital (leverage) ratio | 9.5681% | 3,978 |
| Tier 1 risk-based capital ratio | 12.4772% | 5,590 |
| Total risk-based capital ratio | 13.7326% | 5,535 |
| Memoranda: | ||
| Average total assets | $379,104,000 | 1,752 |
| Average earning assets | $359,694,000 | 1,699 |
| Average equity | $36,975,500 | 1,916 |
| Average total loans | $307,215,500 | 1,383 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,814 |
| Cost of funding earning assets | 0.7740% | 2,878 |
| Net interest margin | 4.1343% | 1,872 |
| Noninterest income to average assets | 0.4216% | 4,444 |
| Noninterest expense to average assets | 3.0046% | 3,254 |
| Loan and lease loss provision to assets | 0.7908% | 617 |
| Net operating income to assets | 0.5514% | 4,466 |
| Return on assets (ROA) | 0.5926% | 4,532 |
| Pretax return on assets | 0.5926% | 5,016 |
| Return on Equity (ROE) | 6.3626% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.4452% | 5,149 |
| Net charge-offs to loans | 1.7561% | 471 |
| Credit loss provision to net charge-offs | 55.5099% | 4,563 |
| Earnings coverage of net charge-offs (x) | 0.9421% | 4,998 |
| Efficiency ratio | 69.1213% | 3,953 |
| Assets per employee ($millions) | 3.4027% | 5,208 |
| Cash dividends to net income (ytd only)* | 77.2864% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 3,712 |
| Loan loss allowance to noncurrent loans | 25.4454% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 6.2907% | 533 |
| Noncurrent loans to loans | 5.9296% | 606 |
| Net loans and leases to total assets | 79.5104% | 516 |
| Net loans and leases to deposits | 88.1630% | 1,253 |
| Net loans and leases to core deposits | 98.5287% | 1,108 |
| Total domestic deposits to total assets | 90.1856% | 853 |
| Equity capital to assets | 9.6162% | 4,718 |
| Core capital (leverage) ratio | 9.1719% | 4,624 |
| Tier 1 risk-based capital ratio | 12.3991% | 5,540 |
| Total risk-based capital ratio | 13.6538% | 5,488 |
| Memoranda: | ||
| Average total assets | $393,003,200 | 1,667 |
| Average earning assets | $373,121,200 | 1,602 |
| Average equity | $36,604,400 | 1,896 |
| Average total loans | $318,825,200 | 1,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 1,890 |
| Cost of funding earning assets | 0.8009% | 2,928 |
| Net interest margin | 4.1322% | 1,967 |
| Noninterest income to average assets | 0.3828% | 4,761 |
| Noninterest expense to average assets | 2.8523% | 3,787 |
| Loan and lease loss provision to assets | 0.6044% | 911 |
| Net operating income to assets | 0.8455% | 3,233 |
| Return on assets (ROA) | 0.9000% | 3,215 |
| Pretax return on assets | 0.9000% | 4,096 |
| Return on Equity (ROE) | 9.7392% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.6382% | 3,627 |
| Net charge-offs to loans | 1.4667% | 599 |
| Credit loss provision to net charge-offs | 50.7349% | 4,386 |
| Earnings coverage of net charge-offs (x) | 1.2171% | 4,687 |
| Efficiency ratio | 66.2988% | 4,393 |
| Assets per employee ($millions) | 3.5959% | 4,762 |
| Cash dividends to net income (ytd only)* | 52.3756% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,104 |
| Loan loss allowance to noncurrent loans | 27.8810% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 6.7779% | 540 |
| Noncurrent loans to loans | 6.1451% | 649 |
| Net loans and leases to total assets | 79.5904% | 541 |
| Net loans and leases to deposits | 88.3650% | 1,310 |
| Net loans and leases to core deposits | 100.8911% | 1,058 |
| Total domestic deposits to total assets | 90.0701% | 808 |
| Equity capital to assets | 9.6747% | 4,957 |
| Core capital (leverage) ratio | 9.1471% | 4,833 |
| Tier 1 risk-based capital ratio | 12.3923% | 5,706 |
| Total risk-based capital ratio | 13.6493% | 5,673 |
| Memoranda: | ||
| Average total assets | $395,977,750 | 1,674 |
| Average earning assets | $375,573,750 | 1,606 |
| Average equity | $36,593,500 | 1,915 |
| Average total loans | $321,616,500 | 1,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,977 |
| Cost of funding earning assets | 0.8324% | 2,929 |
| Net interest margin | 4.1033% | 2,076 |
| Noninterest income to average assets | 0.4426% | 4,347 |
| Noninterest expense to average assets | 2.7903% | 4,049 |
| Loan and lease loss provision to assets | 0.6966% | 789 |
| Net operating income to assets | 0.8471% | 3,158 |
| Return on assets (ROA) | 0.9259% | 3,041 |
| Pretax return on assets | 0.9259% | 3,981 |
| Return on Equity (ROE) | 10.1744% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.6598% | 3,509 |
| Net charge-offs to loans | 0.9803% | 1,131 |
| Credit loss provision to net charge-offs | 87.4055% | 3,117 |
| Earnings coverage of net charge-offs (x) | 1.9370% | 4,011 |
| Efficiency ratio | 64.3817% | 4,817 |
| Assets per employee ($millions) | 3.6558% | 4,625 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,802 |
| Loan loss allowance to noncurrent loans | 38.7145% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 6.6685% | 607 |
| Noncurrent loans to loans | 5.6489% | 814 |
| Net loans and leases to total assets | 78.5363% | 669 |
| Net loans and leases to deposits | 86.8349% | 1,492 |
| Net loans and leases to core deposits | 97.5880% | 1,301 |
| Total domestic deposits to total assets | 90.4432% | 698 |
| Equity capital to assets | 9.3570% | 5,248 |
| Core capital (leverage) ratio | 8.9911% | 4,932 |
| Tier 1 risk-based capital ratio | 12.1952% | 5,800 |
| Total risk-based capital ratio | 13.4587% | 5,769 |
| Memoranda: | ||
| Average total assets | $398,519,670 | 1,661 |
| Average earning assets | $377,944,000 | 1,599 |
| Average equity | $36,267,330 | 1,920 |
| Average total loans | $323,995,670 | 1,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,952 |
| Cost of funding earning assets | 0.8800% | 2,837 |
| Net interest margin | 4.1016% | 2,084 |
| Noninterest income to average assets | 0.4176% | 4,535 |
| Noninterest expense to average assets | 2.8214% | 3,940 |
| Loan and lease loss provision to assets | 0.7813% | 634 |
| Net operating income to assets | 0.7123% | 3,824 |
| Return on assets (ROA) | 0.7133% | 4,032 |
| Pretax return on assets | 0.7133% | 4,748 |
| Return on Equity (ROE) | 7.9490% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.3825% | 5,072 |
| Net charge-offs to loans | 0.0733% | 3,765 |
| Credit loss provision to net charge-offs | 1,303.3333% | 267 |
| Earnings coverage of net charge-offs (x) | 24.9167% | 1,046 |
| Efficiency ratio | 65.3855% | 4,672 |
| Assets per employee ($millions) | 3.5423% | 5,022 |
| Cash dividends to net income (ytd only)* | 70.0280% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 1,482 |
| Loan loss allowance to noncurrent loans | 35.5192% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 7.1146% | 592 |
| Noncurrent loans to loans | 6.7933% | 680 |
| Net loans and leases to total assets | 79.3556% | 467 |
| Net loans and leases to deposits | 88.5841% | 1,098 |
| Net loans and leases to core deposits | 100.3288% | 971 |
| Total domestic deposits to total assets | 89.5822% | 1,318 |
| Equity capital to assets | 8.9930% | 5,505 |
| Core capital (leverage) ratio | 8.8450% | 5,073 |
| Tier 1 risk-based capital ratio | 11.7723% | 6,108 |
| Total risk-based capital ratio | 13.0391% | 6,074 |
| Memoranda: | ||
| Average total assets | $400,365,000 | 1,654 |
| Average earning assets | $380,434,000 | 1,595 |
| Average equity | $35,929,000 | 1,933 |
| Average total loans | $327,485,000 | 1,297 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 2,260 |
| Cost of funding earning assets | 1.1080% | 2,616 |
| Net interest margin | 4.0398% | 2,681 |
| Noninterest income to average assets | 0.4718% | 4,046 |
| Noninterest expense to average assets | 2.8094% | 4,315 |
| Loan and lease loss provision to assets | 1.5390% | 473 |
| Net operating income to assets | -0.0425% | 6,097 |
| Return on assets (ROA) | 0.0459% | 6,079 |
| Pretax return on assets | 0.0459% | 6,054 |
| Return on Equity (ROE) | 0.4971% | 6,063 |
| Retained earnings to average equity (ytd only) | -2.9775% | 6,268 |
| Net charge-offs to loans | 1.3016% | 1,267 |
| Credit loss provision to net charge-offs | 142.9259% | 2,033 |
| Earnings coverage of net charge-offs (x) | 1.3898% | 4,726 |
| Efficiency ratio | 65.2446% | 4,914 |
| Assets per employee ($millions) | 3.4822% | 5,059 |
| Cash dividends to net income (ytd only)* | 698.9247% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 1,871 |
| Loan loss allowance to noncurrent loans | 42.6122% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 5.7977% | 872 |
| Noncurrent loans to loans | 5.0799% | 1,104 |
| Net loans and leases to total assets | 80.4943% | 445 |
| Net loans and leases to deposits | 91.9779% | 970 |
| Net loans and leases to core deposits | 104.5944% | 868 |
| Total domestic deposits to total assets | 87.5149% | 2,458 |
| Equity capital to assets | 8.9551% | 5,596 |
| Core capital (leverage) ratio | 8.6985% | 5,253 |
| Tier 1 risk-based capital ratio | 11.5135% | 6,151 |
| Total risk-based capital ratio | 12.7767% | 6,132 |
| Memoranda: | ||
| Average total assets | $405,002,200 | 1,602 |
| Average earning assets | $384,373,000 | 1,540 |
| Average equity | $37,414,000 | 1,795 |
| Average total loans | $335,051,000 | 1,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 2,462 |
| Cost of funding earning assets | 1.1579% | 2,583 |
| Net interest margin | 3.9751% | 3,028 |
| Noninterest income to average assets | 0.4107% | 4,583 |
| Noninterest expense to average assets | 2.7156% | 4,672 |
| Loan and lease loss provision to assets | 0.5975% | 1,652 |
| Net operating income to assets | 0.8686% | 2,864 |
| Return on assets (ROA) | 0.8732% | 2,998 |
| Pretax return on assets | 0.8732% | 3,869 |
| Return on Equity (ROE) | 9.3819% | 2,435 |
| Retained earnings to average equity (ytd only) | 6.2076% | 2,425 |
| Net charge-offs to loans | 0.3166% | 3,519 |
| Credit loss provision to net charge-offs | 227.7847% | 1,251 |
| Earnings coverage of net charge-offs (x) | 5.5895% | 2,743 |
| Efficiency ratio | 64.9396% | 4,906 |
| Assets per employee ($millions) | 3.5076% | 4,978 |
| Cash dividends to net income (ytd only)* | 33.8346% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 2,730 |
| Loan loss allowance to noncurrent loans | 30.0939% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 6.8431% | 737 |
| Noncurrent loans to loans | 6.1959% | 884 |
| Net loans and leases to total assets | 81.9407% | 364 |
| Net loans and leases to deposits | 94.7334% | 779 |
| Net loans and leases to core deposits | 107.4896% | 786 |
| Total domestic deposits to total assets | 86.4960% | 2,939 |
| Equity capital to assets | 9.7107% | 4,765 |
| Core capital (leverage) ratio | 9.4208% | 4,272 |
| Tier 1 risk-based capital ratio | 12.1132% | 5,804 |
| Total risk-based capital ratio | 13.3700% | 5,794 |
| Memoranda: | ||
| Average total assets | $406,139,750 | 1,603 |
| Average earning assets | $385,292,500 | 1,546 |
| Average equity | $37,802,250 | 1,787 |
| Average total loans | $336,445,500 | 1,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 2,682 |
| Cost of funding earning assets | 1.2144% | 2,479 |
| Net interest margin | 3.8860% | 3,377 |
| Noninterest income to average assets | 0.4117% | 4,575 |
| Noninterest expense to average assets | 2.6816% | 4,896 |
| Loan and lease loss provision to assets | 0.5930% | 1,633 |
| Net operating income to assets | 0.8240% | 2,966 |
| Return on assets (ROA) | 0.8240% | 3,084 |
| Pretax return on assets | 0.8240% | 3,936 |
| Return on Equity (ROE) | 8.9808% | 2,523 |
| Retained earnings to average equity (ytd only) | 6.0354% | 2,409 |
| Net charge-offs to loans | 0.1469% | 4,309 |
| Credit loss provision to net charge-offs | 488.6640% | 635 |
| Earnings coverage of net charge-offs (x) | 11.6761% | 1,693 |
| Efficiency ratio | 65.4280% | 4,980 |
| Assets per employee ($millions) | 3.4668% | 5,034 |
| Cash dividends to net income (ytd only)* | 32.7967% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 2,885 |
| Loan loss allowance to noncurrent loans | 30.6309% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 6.7921% | 769 |
| Noncurrent loans to loans | 5.9818% | 1,001 |
| Net loans and leases to total assets | 82.8549% | 314 |
| Net loans and leases to deposits | 95.4033% | 770 |
| Net loans and leases to core deposits | 108.4351% | 789 |
| Total domestic deposits to total assets | 86.8470% | 2,823 |
| Equity capital to assets | 9.5172% | 4,796 |
| Core capital (leverage) ratio | 9.2534% | 4,321 |
| Tier 1 risk-based capital ratio | 11.8210% | 5,923 |
| Total risk-based capital ratio | 13.0794% | 5,898 |
| Memoranda: | ||
| Average total assets | $407,063,000 | 1,614 |
| Average earning assets | $386,202,000 | 1,557 |
| Average equity | $37,346,330 | 1,794 |
| Average total loans | $336,326,000 | 1,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 3,289 |
| Cost of funding earning assets | 1.2813% | 2,299 |
| Net interest margin | 3.6794% | 4,205 |
| Noninterest income to average assets | 0.4600% | 4,188 |
| Noninterest expense to average assets | 2.6431% | 5,069 |
| Loan and lease loss provision to assets | 0.5860% | 1,476 |
| Net operating income to assets | 0.7257% | 3,398 |
| Return on assets (ROA) | 0.7257% | 3,460 |
| Pretax return on assets | 0.7257% | 4,198 |
| Return on Equity (ROE) | 8.0579% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.8044% | 3,299 |
| Net charge-offs to loans | 0.0108% | 4,939 |
| Credit loss provision to net charge-offs | 6,666.6667% | 52 |
| Earnings coverage of net charge-offs (x) | 149.2222% | 208 |
| Efficiency ratio | 66.8313% | 4,891 |
| Assets per employee ($millions) | 3.5655% | 4,839 |
| Cash dividends to net income (ytd only)* | 40.3769% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 3,218 |
| Loan loss allowance to noncurrent loans | 25.2307% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 7.3687% | 694 |
| Noncurrent loans to loans | 6.8922% | 820 |
| Net loans and leases to total assets | 81.3398% | 410 |
| Net loans and leases to deposits | 93.1518% | 904 |
| Net loans and leases to core deposits | 105.5751% | 961 |
| Total domestic deposits to total assets | 87.3197% | 2,753 |
| Equity capital to assets | 9.1629% | 4,931 |
| Core capital (leverage) ratio | 8.9510% | 4,690 |
| Tier 1 risk-based capital ratio | 11.6277% | 6,003 |
| Total risk-based capital ratio | 12.8848% | 5,983 |
| Memoranda: | ||
| Average total assets | $409,522,500 | 1,614 |
| Average earning assets | $388,981,000 | 1,561 |
| Average equity | $36,883,000 | 1,804 |
| Average total loans | $334,781,500 | 1,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,079 |
| Cost of funding earning assets | 1.6226% | 1,939 |
| Net interest margin | 3.6881% | 4,401 |
| Noninterest income to average assets | 0.5383% | 3,899 |
| Noninterest expense to average assets | 2.7103% | 4,941 |
| Loan and lease loss provision to assets | 0.7362% | 2,231 |
| Net operating income to assets | 0.5864% | 3,731 |
| Return on assets (ROA) | 0.5867% | 3,891 |
| Pretax return on assets | 0.5867% | 4,367 |
| Return on Equity (ROE) | 6.7034% | 3,260 |
| Retained earnings to average equity (ytd only) | 5.0523% | 2,379 |
| Net charge-offs to loans | 0.9499% | 2,286 |
| Credit loss provision to net charge-offs | 93.8594% | 4,954 |
| Earnings coverage of net charge-offs (x) | 1.6862% | 4,468 |
| Efficiency ratio | 67.2041% | 4,723 |
| Assets per employee ($millions) | 3.6191% | 4,654 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,662 |
| Loan loss allowance to noncurrent loans | 25.1470% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 6.6198% | 854 |
| Noncurrent loans to loans | 6.2796% | 973 |
| Net loans and leases to total assets | 79.4595% | 737 |
| Net loans and leases to deposits | 90.7288% | 1,435 |
| Net loans and leases to core deposits | 100.0858% | 1,606 |
| Total domestic deposits to total assets | 87.5791% | 2,499 |
| Equity capital to assets | 8.8521% | 5,352 |
| Core capital (leverage) ratio | 8.6934% | 5,033 |
| Tier 1 risk-based capital ratio | 11.6851% | 5,739 |
| Total risk-based capital ratio | 12.9406% | 5,742 |
| Memoranda: | ||
| Average total assets | $415,223,400 | 1,594 |
| Average earning assets | $393,453,600 | 1,538 |
| Average equity | $36,339,600 | 1,820 |
| Average total loans | $342,874,400 | 1,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 2,972 |
| Cost of funding earning assets | 1.6851% | 1,947 |
| Net interest margin | 3.6947% | 4,430 |
| Noninterest income to average assets | 0.5405% | 3,859 |
| Noninterest expense to average assets | 2.7584% | 4,648 |
| Loan and lease loss provision to assets | 0.5835% | 2,602 |
| Net operating income to assets | 0.6957% | 3,435 |
| Return on assets (ROA) | 0.6944% | 3,598 |
| Pretax return on assets | 0.6944% | 4,245 |
| Return on Equity (ROE) | 7.9570% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.9570% | 1,434 |
| Net charge-offs to loans | 0.9209% | 2,158 |
| Credit loss provision to net charge-offs | 76.3103% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.6730% | 4,452 |
| Efficiency ratio | 68.3182% | 4,403 |
| Assets per employee ($millions) | 3.5435% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,226 |
| Loan loss allowance to noncurrent loans | 21.8630% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 6.8547% | 796 |
| Noncurrent loans to loans | 6.6144% | 891 |
| Net loans and leases to total assets | 79.7998% | 786 |
| Net loans and leases to deposits | 93.5286% | 1,258 |
| Net loans and leases to core deposits | 105.5480% | 1,357 |
| Total domestic deposits to total assets | 85.3212% | 3,452 |
| Equity capital to assets | 8.9931% | 5,594 |
| Core capital (leverage) ratio | 8.7068% | 5,174 |
| Tier 1 risk-based capital ratio | 11.5813% | 5,849 |
| Total risk-based capital ratio | 12.8341% | 5,837 |
| Memoranda: | ||
| Average total assets | $415,884,250 | 1,619 |
| Average earning assets | $393,633,000 | 1,560 |
| Average equity | $36,294,000 | 1,842 |
| Average total loans | $345,319,500 | 1,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 2,787 |
| Cost of funding earning assets | 1.7198% | 2,015 |
| Net interest margin | 3.7228% | 4,261 |
| Noninterest income to average assets | 0.5396% | 3,797 |
| Noninterest expense to average assets | 2.7138% | 4,854 |
| Loan and lease loss provision to assets | 0.5815% | 2,447 |
| Net operating income to assets | 0.7670% | 3,116 |
| Return on assets (ROA) | 0.7641% | 3,284 |
| Pretax return on assets | 0.7641% | 4,010 |
| Return on Equity (ROE) | 8.8461% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.8461% | 1,158 |
| Net charge-offs to loans | 1.2262% | 1,561 |
| Credit loss provision to net charge-offs | 56.6401% | 5,288 |
| Earnings coverage of net charge-offs (x) | 1.3135% | 4,513 |
| Efficiency ratio | 66.8050% | 4,819 |
| Assets per employee ($millions) | 3.6219% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,851 |
| Loan loss allowance to noncurrent loans | 17.3414% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 7.7071% | 658 |
| Noncurrent loans to loans | 7.5576% | 709 |
| Net loans and leases to total assets | 82.0042% | 531 |
| Net loans and leases to deposits | 97.8940% | 884 |
| Net loans and leases to core deposits | 107.9979% | 1,297 |
| Total domestic deposits to total assets | 83.7683% | 4,213 |
| Equity capital to assets | 8.8187% | 5,723 |
| Core capital (leverage) ratio | 8.5908% | 5,253 |
| Tier 1 risk-based capital ratio | 11.0544% | 6,182 |
| Total risk-based capital ratio | 12.3061% | 6,168 |
| Memoranda: | ||
| Average total assets | $415,134,330 | 1,636 |
| Average earning assets | $392,827,000 | 1,580 |
| Average equity | $35,857,670 | 1,860 |
| Average total loans | $347,570,670 | 1,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 3,348 |
| Cost of funding earning assets | 1.7433% | 2,163 |
| Net interest margin | 3.5960% | 4,749 |
| Noninterest income to average assets | 0.5135% | 3,945 |
| Noninterest expense to average assets | 2.6474% | 5,155 |
| Loan and lease loss provision to assets | 0.5791% | 2,179 |
| Net operating income to assets | 0.6795% | 3,523 |
| Return on assets (ROA) | 0.6737% | 3,672 |
| Pretax return on assets | 0.6737% | 4,324 |
| Return on Equity (ROE) | 7.8824% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.8824% | 1,756 |
| Net charge-offs to loans | 0.5857% | 2,342 |
| Credit loss provision to net charge-offs | 117.6471% | 2,965 |
| Earnings coverage of net charge-offs (x) | 2.5569% | 3,264 |
| Efficiency ratio | 67.7786% | 4,766 |
| Assets per employee ($millions) | 3.5972% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,430 |
| Loan loss allowance to noncurrent loans | 25.0678% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 7.1333% | 748 |
| Noncurrent loans to loans | 6.3944% | 986 |
| Net loans and leases to total assets | 80.2622% | 808 |
| Net loans and leases to deposits | 95.1789% | 1,206 |
| Net loans and leases to core deposits | 105.9290% | 1,582 |
| Total domestic deposits to total assets | 84.3277% | 3,982 |
| Equity capital to assets | 8.4311% | 6,105 |
| Core capital (leverage) ratio | 8.3558% | 5,630 |
| Tier 1 risk-based capital ratio | 10.6133% | 6,525 |
| Total risk-based capital ratio | 11.8708% | 6,512 |
| Memoranda: | ||
| Average total assets | $414,439,500 | 1,685 |
| Average earning assets | $390,988,500 | 1,621 |
| Average equity | $35,420,500 | 1,901 |
| Average total loans | $348,304,500 | 1,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7060% | 3,077 |
| Cost of funding earning assets | 2.0612% | 2,676 |
| Net interest margin | 3.6448% | 4,371 |
| Noninterest income to average assets | 0.6292% | 3,430 |
| Noninterest expense to average assets | 2.7342% | 5,225 |
| Loan and lease loss provision to assets | 1.0140% | 2,252 |
| Net operating income to assets | 0.3318% | 4,406 |
| Return on assets (ROA) | 0.3372% | 4,473 |
| Pretax return on assets | 0.3372% | 4,669 |
| Return on Equity (ROE) | 4.0607% | 4,068 |
| Retained earnings to average equity (ytd only) | -2.8219% | 5,664 |
| Net charge-offs to loans | 0.4914% | 3,804 |
| Credit loss provision to net charge-offs | 236.7963% | 1,532 |
| Earnings coverage of net charge-offs (x) | 3.1428% | 3,490 |
| Efficiency ratio | 67.0159% | 5,179 |
| Assets per employee ($millions) | 3.4272% | 5,190 |
| Cash dividends to net income (ytd only)* | 169.4915% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,444 |
| Loan loss allowance to noncurrent loans | 19.2152% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 8.1750% | 534 |
| Noncurrent loans to loans | 8.1101% | 613 |
| Net loans and leases to total assets | 85.2875% | 323 |
| Net loans and leases to deposits | 103.7249% | 660 |
| Net loans and leases to core deposits | 158.1746% | 363 |
| Total domestic deposits to total assets | 82.2247% | 4,852 |
| Equity capital to assets | 8.6678% | 5,631 |
| Core capital (leverage) ratio | 8.5496% | 5,198 |
| Tier 1 risk-based capital ratio | 10.5076% | 6,392 |
| Total risk-based capital ratio | 11.7626% | 6,360 |
| Memoranda: | ||
| Average total assets | $402,385,800 | 1,704 |
| Average earning assets | $380,952,000 | 1,651 |
| Average equity | $33,417,600 | 2,007 |
| Average total loans | $350,607,800 | 1,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 2,514 |
| Cost of funding earning assets | 2.1208% | 2,799 |
| Net interest margin | 3.7639% | 3,804 |
| Noninterest income to average assets | 0.6350% | 3,461 |
| Noninterest expense to average assets | 2.8416% | 4,715 |
| Loan and lease loss provision to assets | 0.8185% | 2,326 |
| Net operating income to assets | 0.5408% | 3,826 |
| Return on assets (ROA) | 0.5467% | 3,888 |
| Pretax return on assets | 0.5467% | 4,369 |
| Return on Equity (ROE) | 6.6567% | 3,233 |
| Retained earnings to average equity (ytd only) | -2.6336% | 5,846 |
| Net charge-offs to loans | 0.2585% | 4,436 |
| Credit loss provision to net charge-offs | 362.7941% | 1,125 |
| Earnings coverage of net charge-offs (x) | 6.0250% | 2,683 |
| Efficiency ratio | 67.6433% | 5,052 |
| Assets per employee ($millions) | 3.4514% | 5,048 |
| Cash dividends to net income (ytd only)* | 139.5630% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 3,976 |
| Loan loss allowance to noncurrent loans | 32.3693% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 4.7988% | 1,234 |
| Noncurrent loans to loans | 4.3088% | 1,660 |
| Net loans and leases to total assets | 85.6313% | 379 |
| Net loans and leases to deposits | 104.5154% | 736 |
| Net loans and leases to core deposits | 159.5415% | 390 |
| Total domestic deposits to total assets | 81.9318% | 4,699 |
| Equity capital to assets | 8.3049% | 6,502 |
| Core capital (leverage) ratio | 8.1425% | 6,115 |
| Tier 1 risk-based capital ratio | 9.8173% | 7,124 |
| Total risk-based capital ratio | 11.0699% | 7,089 |
| Memoranda: | ||
| Average total assets | $401,881,250 | 1,723 |
| Average earning assets | $380,726,500 | 1,669 |
| Average equity | $33,008,750 | 2,055 |
| Average total loans | $350,668,250 | 1,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9203% | 2,496 |
| Cost of funding earning assets | 2.1915% | 2,833 |
| Net interest margin | 3.7288% | 3,838 |
| Noninterest income to average assets | 0.6480% | 3,355 |
| Noninterest expense to average assets | 2.8337% | 4,812 |
| Loan and lease loss provision to assets | 0.3255% | 3,989 |
| Net operating income to assets | 1.0178% | 2,043 |
| Return on assets (ROA) | 1.0268% | 2,099 |
| Pretax return on assets | 1.0268% | 2,897 |
| Return on Equity (ROE) | 12.5484% | 1,275 |
| Retained earnings to average equity (ytd only) | -1.4619% | 5,602 |
| Net charge-offs to loans | 0.3536% | 3,418 |
| Credit loss provision to net charge-offs | 105.3226% | 4,365 |
| Earnings coverage of net charge-offs (x) | 4.3468% | 3,121 |
| Efficiency ratio | 67.8401% | 5,183 |
| Assets per employee ($millions) | 3.4039% | 5,052 |
| Cash dividends to net income (ytd only)* | 111.6505% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,757 |
| Loan loss allowance to noncurrent loans | 25.7087% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 4.1533% | 1,392 |
| Noncurrent loans to loans | 3.5106% | 1,998 |
| Net loans and leases to total assets | 85.7821% | 396 |
| Net loans and leases to deposits | 104.9945% | 830 |
| Net loans and leases to core deposits | 151.2095% | 623 |
| Total domestic deposits to total assets | 81.7015% | 4,818 |
| Equity capital to assets | 8.0507% | 6,691 |
| Core capital (leverage) ratio | 7.9845% | 6,360 |
| Tier 1 risk-based capital ratio | 9.7579% | 7,176 |
| Total risk-based capital ratio | 10.7068% | 7,380 |
| Memoranda: | ||
| Average total assets | $401,238,670 | 1,748 |
| Average earning assets | $379,744,330 | 1,704 |
| Average equity | $32,833,000 | 2,070 |
| Average total loans | $350,665,000 | 1,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0033% | 2,347 |
| Cost of funding earning assets | 2.3044% | 2,678 |
| Net interest margin | 3.6989% | 3,894 |
| Noninterest income to average assets | 0.6005% | 3,544 |
| Noninterest expense to average assets | 2.7459% | 4,801 |
| Loan and lease loss provision to assets | 0.2992% | 3,552 |
| Net operating income to assets | 1.0663% | 2,082 |
| Return on assets (ROA) | 1.0682% | 2,207 |
| Pretax return on assets | 1.0682% | 3,110 |
| Return on Equity (ROE) | 12.9498% | 1,404 |
| Retained earnings to average equity (ytd only) | 10.5316% | 1,067 |
| Net charge-offs to loans | 0.0557% | 4,688 |
| Credit loss provision to net charge-offs | 612.2449% | 927 |
| Earnings coverage of net charge-offs (x) | 27.9388% | 1,120 |
| Efficiency ratio | 66.7880% | 5,179 |
| Assets per employee ($millions) | 3.3314% | 5,249 |
| Cash dividends to net income (ytd only)* | 18.6741% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 6,459 |
| Loan loss allowance to noncurrent loans | 41.3513% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 3.2057% | 1,728 |
| Noncurrent loans to loans | 2.3108% | 2,843 |
| Net loans and leases to total assets | 86.2459% | 409 |
| Net loans and leases to deposits | 105.3727% | 915 |
| Net loans and leases to core deposits | 149.5779% | 721 |
| Total domestic deposits to total assets | 81.8484% | 4,614 |
| Equity capital to assets | 8.3291% | 6,346 |
| Core capital (leverage) ratio | 8.2822% | 5,937 |
| Tier 1 risk-based capital ratio | 10.0099% | 6,905 |
| Total risk-based capital ratio | 11.0158% | 7,088 |
| Memoranda: | ||
| Average total assets | $401,030,000 | 1,759 |
| Average earning assets | $380,657,500 | 1,706 |
| Average equity | $33,081,500 | 2,048 |
| Average total loans | $352,154,000 | 1,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8405% | 1,553 |
| Cost of funding earning assets | 2.8669% | 2,405 |
| Net interest margin | 3.9736% | 3,246 |
| Noninterest income to average assets | 0.5722% | 4,067 |
| Noninterest expense to average assets | 2.7989% | 4,821 |
| Loan and lease loss provision to assets | 0.2887% | 4,072 |
| Net operating income to assets | 1.2668% | 1,579 |
| Return on assets (ROA) | 1.2727% | 1,510 |
| Pretax return on assets | 1.2727% | 2,397 |
| Return on Equity (ROE) | 16.0662% | 761 |
| Retained earnings to average equity (ytd only) | 11.7261% | 247 |
| Net charge-offs to loans | 0.0733% | 5,713 |
| Credit loss provision to net charge-offs | 447.7912% | 980 |
| Earnings coverage of net charge-offs (x) | 24.1285% | 1,381 |
| Efficiency ratio | 64.2785% | 5,503 |
| Assets per employee ($millions) | 3.2175% | 5,437 |
| Cash dividends to net income (ytd only)* | 27.0138% | 4,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,781 |
| Loan loss allowance to noncurrent loans | 47.9006% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.9911% | 2,476 |
| Noncurrent loans to loans | 1.8336% | 3,012 |
| Net loans and leases to total assets | 87.7767% | 391 |
| Net loans and leases to deposits | 111.2615% | 753 |
| Net loans and leases to core deposits | 143.9235% | 1,097 |
| Total domestic deposits to total assets | 78.8922% | 5,411 |
| Equity capital to assets | 8.1684% | 6,603 |
| Core capital (leverage) ratio | 8.1079% | 6,312 |
| Tier 1 risk-based capital ratio | 9.7526% | 7,014 |
| Total risk-based capital ratio | 10.6836% | 7,296 |
| Memoranda: | ||
| Average total assets | $386,261,200 | 1,755 |
| Average earning assets | $367,648,800 | 1,694 |
| Average equity | $30,598,400 | 2,208 |
| Average total loans | $339,785,000 | 1,430 |