Home > KS StateBank > Performance and Condition Ratios
KS StateBank, 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 | 5.2328% | 1,603 |
| Cost of funding earning assets | 2.5728% | 312 |
| Net interest margin | 2.6601% | 3,884 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.2370% | 4,455 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.3617% | 1,294 |
| Return on assets (ROA) | 1.3617% | 1,265 |
| Pretax return on assets | 1.4150% | 1,603 |
| Return on Equity (ROE) | 11.6700% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.5033% | 2,060 |
| Net charge-offs to loans | 0.0099% | 2,280 |
| Credit loss provision to net charge-offs | 1,670.9845% | 272 |
| Earnings coverage of net charge-offs (x) | 193.2591% | 597 |
| Efficiency ratio | 44.8419% | 4,226 |
| Assets per employee ($millions) | 12.9276% | 333 |
| Cash dividends to net income (ytd only)* | 44.2494% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 515 |
| Loan loss allowance to noncurrent loans | 166.4332% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 515 |
| Noncurrent loans to loans | 1.0987% | 667 |
| Net loans and leases to total assets | 77.6200% | 899 |
| Net loans and leases to deposits | 92.2011% | 1,074 |
| Net loans and leases to core deposits | 111.0339% | 919 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 12.1080% | 1,096 |
| Core capital (leverage) ratio | 12.5770% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,451,306,400 | 480 |
| Average earning assets | $2,395,600,000 | 441 |
| Average equity | $286,145,400 | 414 |
| Average total loans | $1,948,186,400 | 411 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,539 |
| Cost of funding earning assets | 2.4781% | 288 |
| Net interest margin | 2.6759% | 3,910 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.3291% | 4,435 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.2522% | 1,644 |
| Return on assets (ROA) | 1.2522% | 1,640 |
| Pretax return on assets | 1.3043% | 2,029 |
| Return on Equity (ROE) | 10.8300% | 2,419 |
| Retained earnings to average equity (ytd only) | 5.3158% | 2,837 |
| Net charge-offs to loans | -0.0027% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.9140% | 4,049 |
| Assets per employee ($millions) | 12.7867% | 317 |
| Cash dividends to net income (ytd only)* | 50.9129% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 520 |
| Loan loss allowance to noncurrent loans | 145.8745% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 462 |
| Noncurrent loans to loans | 1.2685% | 604 |
| Net loans and leases to total assets | 78.5900% | 809 |
| Net loans and leases to deposits | 93.4742% | 941 |
| Net loans and leases to core deposits | 112.5413% | 779 |
| Total domestic deposits to total assets | 84.0700% | 2,754 |
| Equity capital to assets | 11.7493% | 1,111 |
| Core capital (leverage) ratio | 12.1073% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,443,607,250 | 483 |
| Average earning assets | $2,389,454,000 | 444 |
| Average equity | $282,548,250 | 418 |
| Average total loans | $1,944,585,000 | 412 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 1,534 |
| Cost of funding earning assets | 2.3044% | 275 |
| Net interest margin | 2.7138% | 3,955 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.3219% | 4,460 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.2734% | 1,637 |
| Return on assets (ROA) | 1.2734% | 1,626 |
| Pretax return on assets | 1.3345% | 1,979 |
| Return on Equity (ROE) | 11.0700% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.0380% | 2,926 |
| Net charge-offs to loans | 0.0012% | 2,360 |
| Credit loss provision to net charge-offs | 18,333.3333% | 31 |
| Earnings coverage of net charge-offs (x) | 1,515.5000% | 92 |
| Efficiency ratio | 47.0845% | 4,112 |
| Assets per employee ($millions) | 12.8117% | 311 |
| Cash dividends to net income (ytd only)* | 54.5000% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 643 |
| Loan loss allowance to noncurrent loans | 164.7346% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 562 |
| Noncurrent loans to loans | 1.0811% | 672 |
| Net loans and leases to total assets | 78.9800% | 738 |
| Net loans and leases to deposits | 94.0691% | 855 |
| Net loans and leases to core deposits | 113.1915% | 709 |
| Total domestic deposits to total assets | 83.9600% | 2,828 |
| Equity capital to assets | 11.6226% | 1,164 |
| Core capital (leverage) ratio | 11.9482% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,448,317,000 | 467 |
| Average earning assets | $2,394,119,000 | 431 |
| Average equity | $281,582,333 | 408 |
| Average total loans | $1,944,370,333 | 396 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 1,543 |
| Cost of funding earning assets | 2.0339% | 277 |
| Net interest margin | 2.7991% | 3,945 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.3188% | 4,525 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.3075% | 1,649 |
| Return on assets (ROA) | 1.3075% | 1,618 |
| Pretax return on assets | 1.3834% | 1,924 |
| Return on Equity (ROE) | 11.4300% | 2,368 |
| Retained earnings to average equity (ytd only) | 4.0961% | 3,246 |
| Net charge-offs to loans | -0.0072% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.6313% | 4,242 |
| Assets per employee ($millions) | 12.5622% | 342 |
| Cash dividends to net income (ytd only)* | 64.1599% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 720 |
| Loan loss allowance to noncurrent loans | 163.1250% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 534 |
| Noncurrent loans to loans | 1.0751% | 666 |
| Net loans and leases to total assets | 78.5900% | 700 |
| Net loans and leases to deposits | 92.2554% | 901 |
| Net loans and leases to core deposits | 110.8142% | 676 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 11.6139% | 1,122 |
| Core capital (leverage) ratio | 11.9795% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,448,954,500 | 473 |
| Average earning assets | $2,395,383,000 | 442 |
| Average equity | $280,168,500 | 414 |
| Average total loans | $1,932,725,000 | 407 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 993 |
| Cost of funding earning assets | 1.0079% | 156 |
| Net interest margin | 3.3307% | 2,481 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.2857% | 4,564 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.0569% | 268 |
| Return on assets (ROA) | 2.0568% | 259 |
| Pretax return on assets | 2.1031% | 376 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 7.8412% | 1,907 |
| Net charge-offs to loans | -0.1027% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.5114% | 4,585 |
| Assets per employee ($millions) | 12.2430% | 362 |
| Cash dividends to net income (ytd only)* | 56.6533% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 651 |
| Loan loss allowance to noncurrent loans | 177.8680% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 599 |
| Noncurrent loans to loans | 1.0155% | 713 |
| Net loans and leases to total assets | 76.4500% | 966 |
| Net loans and leases to deposits | 89.3189% | 1,102 |
| Net loans and leases to core deposits | 103.7697% | 827 |
| Total domestic deposits to total assets | 85.5900% | 2,835 |
| Equity capital to assets | 11.2685% | 1,156 |
| Core capital (leverage) ratio | 12.1077% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,336,631,800 | 483 |
| Average earning assets | $2,284,117,800 | 448 |
| Average equity | $265,673,800 | 422 |
| Average total loans | $1,843,476,800 | 402 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 837 |
| Cost of funding earning assets | 0.8089% | 147 |
| Net interest margin | 3.4207% | 1,915 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.3773% | 4,524 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 2.0709% | 260 |
| Return on assets (ROA) | 2.0709% | 260 |
| Pretax return on assets | 2.1141% | 368 |
| Return on Equity (ROE) | 18.1700% | 624 |
| Retained earnings to average equity (ytd only) | 6.9870% | 2,362 |
| Net charge-offs to loans | -0.1372% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.1566% | 4,593 |
| Assets per employee ($millions) | 11.1534% | 475 |
| Cash dividends to net income (ytd only)* | 61.5471% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 692 |
| Loan loss allowance to noncurrent loans | 163.0840% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 495 |
| Noncurrent loans to loans | 1.1201% | 661 |
| Net loans and leases to total assets | 81.4400% | 411 |
| Net loans and leases to deposits | 97.9917% | 458 |
| Net loans and leases to core deposits | 111.6237% | 421 |
| Total domestic deposits to total assets | 83.1100% | 3,671 |
| Equity capital to assets | 11.7620% | 930 |
| Core capital (leverage) ratio | 12.0254% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,305,577,250 | 490 |
| Average earning assets | $2,253,310,500 | 452 |
| Average equity | $262,767,250 | 429 |
| Average total loans | $1,825,371,250 | 404 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 845 |
| Cost of funding earning assets | 0.7273% | 139 |
| Net interest margin | 3.3292% | 1,820 |
| Noninterest income to average assets | 0.1622% | 4,199 |
| Noninterest expense to average assets | 1.3504% | 4,562 |
| Loan and lease loss provision to assets | 0.0258% | 2,136 |
| Net operating income to assets | 2.0064% | 226 |
| Return on assets (ROA) | 2.0064% | 227 |
| Pretax return on assets | 2.0421% | 346 |
| Return on Equity (ROE) | 17.7884% | 498 |
| Retained earnings to average equity (ytd only) | 4.6347% | 2,837 |
| Net charge-offs to loans | -0.0687% | 4,345 |
| Credit loss provision to net charge-offs | -48.2315% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5054% | 4,625 |
| Assets per employee ($millions) | 11.8105% | 400 |
| Cash dividends to net income (ytd only)* | 73.9455% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 840 |
| Loan loss allowance to noncurrent loans | 259.5465% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 1,009 |
| Noncurrent loans to loans | 0.6855% | 1,259 |
| Net loans and leases to total assets | 77.2765% | 616 |
| Net loans and leases to deposits | 90.4203% | 693 |
| Net loans and leases to core deposits | 101.5633% | 609 |
| Total domestic deposits to total assets | 85.4636% | 3,378 |
| Equity capital to assets | 11.1119% | 1,163 |
| Core capital (leverage) ratio | 11.7991% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,323,109,000 | 478 |
| Average earning assets | $2,272,113,667 | 451 |
| Average equity | $262,024,333 | 430 |
| Average total loans | $1,810,845,333 | 397 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 842 |
| Cost of funding earning assets | 0.6585% | 193 |
| Net interest margin | 3.2978% | 1,566 |
| Noninterest income to average assets | 0.1665% | 4,171 |
| Noninterest expense to average assets | 1.3198% | 4,606 |
| Loan and lease loss provision to assets | 0.0259% | 1,899 |
| Net operating income to assets | 2.0314% | 208 |
| Return on assets (ROA) | 2.0314% | 206 |
| Pretax return on assets | 2.0478% | 324 |
| Return on Equity (ROE) | 17.8769% | 354 |
| Retained earnings to average equity (ytd only) | -1.0140% | 4,145 |
| Net charge-offs to loans | -0.1236% | 4,511 |
| Credit loss provision to net charge-offs | -27.0270% | 2,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8923% | 4,663 |
| Assets per employee ($millions) | 11.6599% | 433 |
| Cash dividends to net income (ytd only)* | 105.6723% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 900 |
| Loan loss allowance to noncurrent loans | 432.1196% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 1,676 |
| Noncurrent loans to loans | 0.4133% | 2,011 |
| Net loans and leases to total assets | 79.4537% | 261 |
| Net loans and leases to deposits | 94.9161% | 319 |
| Net loans and leases to core deposits | 106.0254% | 351 |
| Total domestic deposits to total assets | 83.7094% | 3,823 |
| Equity capital to assets | 11.4171% | 1,152 |
| Core capital (leverage) ratio | 11.5901% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,315,422,000 | 481 |
| Average earning assets | $2,265,721,000 | 454 |
| Average equity | $263,111,000 | 435 |
| Average total loans | $1,796,352,500 | 397 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 1,436 |
| Cost of funding earning assets | 0.7890% | 215 |
| Net interest margin | 3.1793% | 2,658 |
| Noninterest income to average assets | 0.4075% | 3,009 |
| Noninterest expense to average assets | 1.1595% | 4,726 |
| Loan and lease loss provision to assets | 0.0597% | 1,864 |
| Net operating income to assets | 2.2286% | 232 |
| Return on assets (ROA) | 2.3488% | 197 |
| Pretax return on assets | 2.4137% | 291 |
| Return on Equity (ROE) | 21.5542% | 235 |
| Retained earnings to average equity (ytd only) | 11.7955% | 562 |
| Net charge-offs to loans | -0.0791% | 4,507 |
| Credit loss provision to net charge-offs | -97.9021% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0082% | 4,775 |
| Assets per employee ($millions) | 12.2076% | 378 |
| Cash dividends to net income (ytd only)* | 45.2755% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 872 |
| Loan loss allowance to noncurrent loans | 391.0510% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 1,721 |
| Noncurrent loans to loans | 0.4590% | 1,984 |
| Net loans and leases to total assets | 73.1104% | 740 |
| Net loans and leases to deposits | 86.7340% | 733 |
| Net loans and leases to core deposits | 95.4788% | 714 |
| Total domestic deposits to total assets | 84.2927% | 3,478 |
| Equity capital to assets | 11.3127% | 1,596 |
| Core capital (leverage) ratio | 11.5869% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,343,449,600 | 457 |
| Average earning assets | $2,288,837,400 | 440 |
| Average equity | $255,369,600 | 435 |
| Average total loans | $1,808,838,800 | 390 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 1,412 |
| Cost of funding earning assets | 0.8336% | 209 |
| Net interest margin | 3.2224% | 2,664 |
| Noninterest income to average assets | 1.5147% | 539 |
| Noninterest expense to average assets | 2.2182% | 3,011 |
| Loan and lease loss provision to assets | 0.1028% | 1,176 |
| Net operating income to assets | 2.2708% | 283 |
| Return on assets (ROA) | 2.2708% | 299 |
| Pretax return on assets | 2.3378% | 436 |
| Return on Equity (ROE) | 21.0432% | 355 |
| Retained earnings to average equity (ytd only) | 10.7849% | 1,107 |
| Net charge-offs to loans | -0.0060% | 3,493 |
| Credit loss provision to net charge-offs | -2,195.1220% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6128% | 4,396 |
| Assets per employee ($millions) | 8.1201% | 1,225 |
| Cash dividends to net income (ytd only)* | 48.7486% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,100 |
| Loan loss allowance to noncurrent loans | 396.8625% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 1,729 |
| Noncurrent loans to loans | 0.4298% | 2,268 |
| Net loans and leases to total assets | 77.1257% | 467 |
| Net loans and leases to deposits | 91.8082% | 506 |
| Net loans and leases to core deposits | 102.5851% | 504 |
| Total domestic deposits to total assets | 84.0074% | 3,450 |
| Equity capital to assets | 11.3280% | 1,783 |
| Core capital (leverage) ratio | 10.9287% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,334,191,250 | 465 |
| Average earning assets | $2,277,387,750 | 444 |
| Average equity | $251,888,000 | 447 |
| Average total loans | $1,818,000,250 | 394 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 1,470 |
| Cost of funding earning assets | 0.8638% | 215 |
| Net interest margin | 3.1764% | 2,827 |
| Noninterest income to average assets | 1.6605% | 447 |
| Noninterest expense to average assets | 2.2669% | 2,859 |
| Loan and lease loss provision to assets | 0.1280% | 979 |
| Net operating income to assets | 2.2980% | 282 |
| Return on assets (ROA) | 2.2980% | 303 |
| Pretax return on assets | 2.3621% | 433 |
| Return on Equity (ROE) | 21.6479% | 345 |
| Retained earnings to average equity (ytd only) | 10.0542% | 1,375 |
| Net charge-offs to loans | -0.0047% | 3,417 |
| Credit loss provision to net charge-offs | -3,488.3721% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6535% | 4,414 |
| Assets per employee ($millions) | 8.3853% | 1,045 |
| Cash dividends to net income (ytd only)* | 53.5559% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,069 |
| Loan loss allowance to noncurrent loans | 439.9683% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 2,264 |
| Noncurrent loans to loans | 0.3854% | 2,519 |
| Net loans and leases to total assets | 74.0495% | 744 |
| Net loans and leases to deposits | 87.3100% | 826 |
| Net loans and leases to core deposits | 98.3583% | 705 |
| Total domestic deposits to total assets | 84.8122% | 3,175 |
| Equity capital to assets | 10.6427% | 2,275 |
| Core capital (leverage) ratio | 10.3525% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,343,554,000 | 460 |
| Average earning assets | $2,284,669,333 | 438 |
| Average equity | $248,772,333 | 452 |
| Average total loans | $1,820,846,333 | 395 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 1,397 |
| Cost of funding earning assets | 0.9074% | 215 |
| Net interest margin | 3.1881% | 2,739 |
| Noninterest income to average assets | 2.0608% | 356 |
| Noninterest expense to average assets | 2.3634% | 2,613 |
| Loan and lease loss provision to assets | 0.1293% | 1,059 |
| Net operating income to assets | 2.6023% | 231 |
| Return on assets (ROA) | 2.6023% | 254 |
| Pretax return on assets | 2.6697% | 342 |
| Return on Equity (ROE) | 24.5475% | 275 |
| Retained earnings to average equity (ytd only) | 11.3827% | 1,303 |
| Net charge-offs to loans | -0.0092% | 3,637 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7809% | 4,479 |
| Assets per employee ($millions) | 8.2204% | 1,092 |
| Cash dividends to net income (ytd only)* | 53.6301% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 1,229 |
| Loan loss allowance to noncurrent loans | 636.8770% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,832 |
| Noncurrent loans to loans | 0.2552% | 3,190 |
| Net loans and leases to total assets | 77.7548% | 481 |
| Net loans and leases to deposits | 91.7445% | 608 |
| Net loans and leases to core deposits | 104.3757% | 562 |
| Total domestic deposits to total assets | 84.7515% | 3,207 |
| Equity capital to assets | 10.7426% | 2,045 |
| Core capital (leverage) ratio | 10.6081% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,320,428,000 | 456 |
| Average earning assets | $2,257,359,500 | 432 |
| Average equity | $245,988,000 | 451 |
| Average total loans | $1,831,187,000 | 391 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 1,640 |
| Cost of funding earning assets | 1.2912% | 184 |
| Net interest margin | 3.0892% | 3,658 |
| Noninterest income to average assets | 2.5090% | 240 |
| Noninterest expense to average assets | 2.3631% | 3,234 |
| Loan and lease loss provision to assets | 0.4468% | 627 |
| Net operating income to assets | 2.6164% | 124 |
| Return on assets (ROA) | 2.6164% | 128 |
| Pretax return on assets | 2.7000% | 150 |
| Return on Equity (ROE) | 26.6094% | 91 |
| Retained earnings to average equity (ytd only) | 17.4457% | 97 |
| Net charge-offs to loans | 0.1869% | 910 |
| Credit loss provision to net charge-offs | 302.6634% | 1,719 |
| Earnings coverage of net charge-offs (x) | 21.3148% | 1,902 |
| Efficiency ratio | 42.8873% | 4,820 |
| Assets per employee ($millions) | 8.2659% | 946 |
| Cash dividends to net income (ytd only)* | 34.4378% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 1,341 |
| Loan loss allowance to noncurrent loans | 540.8099% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 2,936 |
| Noncurrent loans to loans | 0.2928% | 3,147 |
| Net loans and leases to total assets | 77.5451% | 640 |
| Net loans and leases to deposits | 91.5042% | 815 |
| Net loans and leases to core deposits | 105.1816% | 680 |
| Total domestic deposits to total assets | 84.7449% | 2,857 |
| Equity capital to assets | 10.4597% | 2,707 |
| Core capital (leverage) ratio | 10.4667% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,237,899,800 | 433 |
| Average earning assets | $2,173,942,800 | 413 |
| Average equity | $220,042,400 | 468 |
| Average total loans | $1,767,415,600 | 384 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 1,827 |
| Cost of funding earning assets | 1.3830% | 178 |
| Net interest margin | 3.0272% | 3,910 |
| Noninterest income to average assets | 2.3034% | 273 |
| Noninterest expense to average assets | 2.2382% | 3,583 |
| Loan and lease loss provision to assets | 0.5714% | 462 |
| Net operating income to assets | 2.3612% | 168 |
| Return on assets (ROA) | 2.3611% | 177 |
| Pretax return on assets | 2.4367% | 235 |
| Return on Equity (ROE) | 24.4212% | 128 |
| Retained earnings to average equity (ytd only) | 16.9135% | 127 |
| Net charge-offs to loans | 0.0416% | 2,030 |
| Credit loss provision to net charge-offs | 1,736.7459% | 543 |
| Earnings coverage of net charge-offs (x) | 91.4296% | 841 |
| Efficiency ratio | 42.6626% | 4,838 |
| Assets per employee ($millions) | 7.9825% | 1,000 |
| Cash dividends to net income (ytd only)* | 30.7426% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 875 |
| Loan loss allowance to noncurrent loans | 338.1210% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,339 |
| Noncurrent loans to loans | 0.5067% | 2,528 |
| Net loans and leases to total assets | 80.1789% | 596 |
| Net loans and leases to deposits | 95.7221% | 777 |
| Net loans and leases to core deposits | 111.0633% | 663 |
| Total domestic deposits to total assets | 83.7622% | 2,906 |
| Equity capital to assets | 10.3960% | 2,873 |
| Core capital (leverage) ratio | 10.0135% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,216,698,250 | 430 |
| Average earning assets | $2,155,036,000 | 407 |
| Average equity | $214,316,250 | 474 |
| Average total loans | $1,751,738,000 | 382 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,141 |
| Cost of funding earning assets | 1.4697% | 174 |
| Net interest margin | 2.9551% | 4,218 |
| Noninterest income to average assets | 1.8251% | 332 |
| Noninterest expense to average assets | 2.2040% | 3,774 |
| Loan and lease loss provision to assets | 0.6333% | 481 |
| Net operating income to assets | 1.8015% | 499 |
| Return on assets (ROA) | 1.8014% | 550 |
| Pretax return on assets | 1.8603% | 725 |
| Return on Equity (ROE) | 19.1175% | 297 |
| Retained earnings to average equity (ytd only) | 14.1862% | 265 |
| Net charge-offs to loans | 0.0373% | 1,993 |
| Credit loss provision to net charge-offs | 2,173.9130% | 452 |
| Earnings coverage of net charge-offs (x) | 85.5994% | 777 |
| Efficiency ratio | 46.9156% | 4,678 |
| Assets per employee ($millions) | 8.2552% | 885 |
| Cash dividends to net income (ytd only)* | 25.7948% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 929 |
| Loan loss allowance to noncurrent loans | 379.6068% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 2,812 |
| Noncurrent loans to loans | 0.4309% | 2,874 |
| Net loans and leases to total assets | 75.8928% | 1,152 |
| Net loans and leases to deposits | 88.6583% | 1,487 |
| Net loans and leases to core deposits | 104.1307% | 994 |
| Total domestic deposits to total assets | 85.6015% | 2,164 |
| Equity capital to assets | 9.5646% | 3,598 |
| Core capital (leverage) ratio | 9.3530% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,210,567,333 | 423 |
| Average earning assets | $2,148,849,000 | 398 |
| Average equity | $208,301,333 | 481 |
| Average total loans | $1,727,880,333 | 382 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 2,281 |
| Cost of funding earning assets | 1.6139% | 180 |
| Net interest margin | 2.8989% | 4,432 |
| Noninterest income to average assets | 0.3394% | 3,488 |
| Noninterest expense to average assets | 2.0756% | 4,269 |
| Loan and lease loss provision to assets | 0.4612% | 647 |
| Net operating income to assets | 0.6209% | 3,537 |
| Return on assets (ROA) | 0.6207% | 3,596 |
| Pretax return on assets | 0.6198% | 3,887 |
| Return on Equity (ROE) | 6.6403% | 3,089 |
| Retained earnings to average equity (ytd only) | -0.7242% | 4,105 |
| Net charge-offs to loans | -0.0209% | 4,346 |
| Credit loss provision to net charge-offs | -2,808.9888% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7512% | 2,999 |
| Assets per employee ($millions) | 7.5676% | 875 |
| Cash dividends to net income (ytd only)* | 110.9064% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,585 |
| Loan loss allowance to noncurrent loans | 337.3339% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 2,331 |
| Noncurrent loans to loans | 0.4243% | 2,971 |
| Net loans and leases to total assets | 78.0567% | 976 |
| Net loans and leases to deposits | 91.1707% | 1,381 |
| Net loans and leases to core deposits | 108.5830% | 919 |
| Total domestic deposits to total assets | 85.6160% | 2,164 |
| Equity capital to assets | 9.2281% | 4,446 |
| Core capital (leverage) ratio | 9.3653% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,168,384,500 | 420 |
| Average earning assets | $2,107,417,000 | 397 |
| Average equity | $202,701,000 | 488 |
| Average total loans | $1,706,493,500 | 380 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 2,254 |
| Cost of funding earning assets | 1.7699% | 156 |
| Net interest margin | 2.9565% | 4,564 |
| Noninterest income to average assets | 1.2063% | 649 |
| Noninterest expense to average assets | 2.0789% | 4,396 |
| Loan and lease loss provision to assets | 0.3381% | 462 |
| Net operating income to assets | 1.6124% | 811 |
| Return on assets (ROA) | 1.6155% | 864 |
| Pretax return on assets | 1.6639% | 1,290 |
| Return on Equity (ROE) | 17.3683% | 383 |
| Retained earnings to average equity (ytd only) | 10.4343% | 413 |
| Net charge-offs to loans | 0.3733% | 536 |
| Credit loss provision to net charge-offs | 113.5992% | 2,215 |
| Earnings coverage of net charge-offs (x) | 6.7156% | 2,944 |
| Efficiency ratio | 50.9819% | 4,673 |
| Assets per employee ($millions) | 7.4123% | 894 |
| Cash dividends to net income (ytd only)* | 39.9235% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 1,791 |
| Loan loss allowance to noncurrent loans | 287.4500% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 2,919 |
| Noncurrent loans to loans | 0.4628% | 2,788 |
| Net loans and leases to total assets | 77.1551% | 1,235 |
| Net loans and leases to deposits | 90.1382% | 1,575 |
| Net loans and leases to core deposits | 108.6048% | 934 |
| Total domestic deposits to total assets | 85.5965% | 2,238 |
| Equity capital to assets | 9.4709% | 4,376 |
| Core capital (leverage) ratio | 9.4473% | 4,113 |
| Tier 1 risk-based capital ratio | 12.9587% | 3,810 |
| Total risk-based capital ratio | 14.2112% | 3,688 |
| Memoranda: | ||
| Average total assets | $2,055,464,800 | 413 |
| Average earning assets | $1,996,392,400 | 392 |
| Average equity | $191,187,000 | 492 |
| Average total loans | $1,639,061,600 | 381 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,277 |
| Cost of funding earning assets | 1.7786% | 154 |
| Net interest margin | 2.9694% | 4,665 |
| Noninterest income to average assets | 1.1642% | 674 |
| Noninterest expense to average assets | 2.0546% | 4,445 |
| Loan and lease loss provision to assets | 0.3573% | 368 |
| Net operating income to assets | 1.5899% | 956 |
| Return on assets (ROA) | 1.5940% | 990 |
| Pretax return on assets | 1.6406% | 1,493 |
| Return on Equity (ROE) | 17.2201% | 458 |
| Retained earnings to average equity (ytd only) | 10.6982% | 581 |
| Net charge-offs to loans | 0.0189% | 2,744 |
| Credit loss provision to net charge-offs | 2,359.3074% | 173 |
| Earnings coverage of net charge-offs (x) | 131.6503% | 602 |
| Efficiency ratio | 50.7522% | 4,696 |
| Assets per employee ($millions) | 7.2585% | 928 |
| Cash dividends to net income (ytd only)* | 37.8737% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,109 |
| Loan loss allowance to noncurrent loans | 175.8157% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,888 |
| Noncurrent loans to loans | 0.8838% | 1,815 |
| Net loans and leases to total assets | 80.5604% | 770 |
| Net loans and leases to deposits | 94.2596% | 1,198 |
| Net loans and leases to core deposits | 114.3116% | 736 |
| Total domestic deposits to total assets | 85.4665% | 2,227 |
| Equity capital to assets | 9.4513% | 4,496 |
| Core capital (leverage) ratio | 9.4017% | 4,275 |
| Tier 1 risk-based capital ratio | 12.4415% | 4,181 |
| Total risk-based capital ratio | 13.6971% | 4,059 |
| Memoranda: | ||
| Average total assets | $2,033,792,500 | 419 |
| Average earning assets | $1,975,334,000 | 398 |
| Average equity | $188,263,500 | 497 |
| Average total loans | $1,630,060,250 | 386 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 2,383 |
| Cost of funding earning assets | 1.7632% | 152 |
| Net interest margin | 2.9292% | 4,783 |
| Noninterest income to average assets | 0.9206% | 1,036 |
| Noninterest expense to average assets | 1.9840% | 4,626 |
| Loan and lease loss provision to assets | 0.2932% | 478 |
| Net operating income to assets | 1.4488% | 1,299 |
| Return on assets (ROA) | 1.4550% | 1,335 |
| Pretax return on assets | 1.4952% | 1,872 |
| Return on Equity (ROE) | 15.8340% | 620 |
| Retained earnings to average equity (ytd only) | 9.4316% | 926 |
| Net charge-offs to loans | 0.0234% | 2,377 |
| Credit loss provision to net charge-offs | 1,577.5401% | 233 |
| Earnings coverage of net charge-offs (x) | 95.8824% | 721 |
| Efficiency ratio | 52.6838% | 4,596 |
| Assets per employee ($millions) | 6.9134% | 1,046 |
| Cash dividends to net income (ytd only)* | 40.4344% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,397 |
| Loan loss allowance to noncurrent loans | 159.7217% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,842 |
| Noncurrent loans to loans | 0.9123% | 1,798 |
| Net loans and leases to total assets | 81.1253% | 712 |
| Net loans and leases to deposits | 95.4113% | 1,105 |
| Net loans and leases to core deposits | 116.3362% | 669 |
| Total domestic deposits to total assets | 85.0270% | 2,463 |
| Equity capital to assets | 9.4712% | 4,426 |
| Core capital (leverage) ratio | 9.3595% | 4,302 |
| Tier 1 risk-based capital ratio | 12.3949% | 4,187 |
| Total risk-based capital ratio | 13.6492% | 4,060 |
| Memoranda: | ||
| Average total assets | $2,012,486,330 | 426 |
| Average earning assets | $1,954,886,000 | 403 |
| Average equity | $184,930,670 | 504 |
| Average total loans | $1,601,214,330 | 392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 2,449 |
| Cost of funding earning assets | 1.7432% | 134 |
| Net interest margin | 2.8825% | 4,898 |
| Noninterest income to average assets | 0.6368% | 1,877 |
| Noninterest expense to average assets | 1.8802% | 4,827 |
| Loan and lease loss provision to assets | 0.1792% | 928 |
| Net operating income to assets | 1.3457% | 1,536 |
| Return on assets (ROA) | 1.3457% | 1,577 |
| Pretax return on assets | 1.3764% | 2,166 |
| Return on Equity (ROE) | 14.8737% | 775 |
| Retained earnings to average equity (ytd only) | 8.0815% | 1,627 |
| Net charge-offs to loans | 0.0053% | 2,516 |
| Credit loss provision to net charge-offs | 4,285.7143% | 95 |
| Earnings coverage of net charge-offs (x) | 372.0952% | 210 |
| Efficiency ratio | 54.7251% | 4,466 |
| Assets per employee ($millions) | 7.0547% | 983 |
| Cash dividends to net income (ytd only)* | 45.6657% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,677 |
| Loan loss allowance to noncurrent loans | 334.2763% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 3,145 |
| Noncurrent loans to loans | 0.4188% | 3,090 |
| Net loans and leases to total assets | 79.0620% | 979 |
| Net loans and leases to deposits | 92.8832% | 1,298 |
| Net loans and leases to core deposits | 113.6094% | 755 |
| Total domestic deposits to total assets | 85.1198% | 2,638 |
| Equity capital to assets | 9.2615% | 4,470 |
| Core capital (leverage) ratio | 9.1036% | 4,567 |
| Tier 1 risk-based capital ratio | 12.5069% | 4,164 |
| Total risk-based capital ratio | 13.7603% | 4,033 |
| Memoranda: | ||
| Average total assets | $2,009,368,000 | 423 |
| Average earning assets | $1,951,080,500 | 405 |
| Average equity | $181,797,500 | 507 |
| Average total loans | $1,570,865,000 | 399 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 2,553 |
| Cost of funding earning assets | 1.3996% | 141 |
| Net interest margin | 3.0690% | 4,695 |
| Noninterest income to average assets | 0.7205% | 1,770 |
| Noninterest expense to average assets | 1.9717% | 4,791 |
| Loan and lease loss provision to assets | 0.1598% | 1,288 |
| Net operating income to assets | 1.5237% | 1,060 |
| Return on assets (ROA) | 1.5200% | 1,055 |
| Pretax return on assets | 1.5664% | 1,563 |
| Return on Equity (ROE) | 16.8000% | 515 |
| Retained earnings to average equity (ytd only) | 9.9467% | 627 |
| Net charge-offs to loans | 0.1797% | 1,065 |
| Credit loss provision to net charge-offs | 112.9944% | 2,295 |
| Earnings coverage of net charge-offs (x) | 12.2309% | 2,553 |
| Efficiency ratio | 53.2628% | 4,689 |
| Assets per employee ($millions) | 7.3260% | 863 |
| Cash dividends to net income (ytd only)* | 40.7936% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,689 |
| Loan loss allowance to noncurrent loans | 415.6141% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 3,530 |
| Noncurrent loans to loans | 0.3338% | 3,353 |
| Net loans and leases to total assets | 75.1518% | 1,747 |
| Net loans and leases to deposits | 87.6837% | 2,086 |
| Net loans and leases to core deposits | 106.3155% | 1,247 |
| Total domestic deposits to total assets | 85.7078% | 2,361 |
| Equity capital to assets | 8.8377% | 4,702 |
| Core capital (leverage) ratio | 9.2330% | 4,416 |
| Tier 1 risk-based capital ratio | 12.4760% | 4,151 |
| Total risk-based capital ratio | 13.7290% | 4,016 |
| Memoranda: | ||
| Average total assets | $1,876,946,600 | 441 |
| Average earning assets | $1,823,279,600 | 412 |
| Average equity | $169,815,800 | 512 |
| Average total loans | $1,477,777,200 | 406 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 2,503 |
| Cost of funding earning assets | 1.3280% | 152 |
| Net interest margin | 3.1120% | 4,683 |
| Noninterest income to average assets | 0.7560% | 1,647 |
| Noninterest expense to average assets | 2.0360% | 4,671 |
| Loan and lease loss provision to assets | 0.1631% | 1,168 |
| Net operating income to assets | 1.5338% | 1,109 |
| Return on assets (ROA) | 1.5338% | 1,114 |
| Pretax return on assets | 1.5804% | 1,637 |
| Return on Equity (ROE) | 16.8452% | 561 |
| Retained earnings to average equity (ytd only) | 10.1769% | 870 |
| Net charge-offs to loans | 0.0971% | 1,524 |
| Credit loss provision to net charge-offs | 211.4662% | 1,325 |
| Earnings coverage of net charge-offs (x) | 22.6006% | 1,869 |
| Efficiency ratio | 53.8684% | 4,620 |
| Assets per employee ($millions) | 6.7497% | 1,049 |
| Cash dividends to net income (ytd only)* | 39.5859% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,487 |
| Loan loss allowance to noncurrent loans | 526.0736% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,753 |
| Noncurrent loans to loans | 0.2777% | 3,691 |
| Net loans and leases to total assets | 78.7400% | 1,210 |
| Net loans and leases to deposits | 92.1202% | 1,606 |
| Net loans and leases to core deposits | 113.5361% | 841 |
| Total domestic deposits to total assets | 85.4753% | 2,412 |
| Equity capital to assets | 9.1032% | 4,455 |
| Core capital (leverage) ratio | 9.3093% | 4,389 |
| Tier 1 risk-based capital ratio | 12.3956% | 4,256 |
| Total risk-based capital ratio | 13.6497% | 4,147 |
| Memoranda: | ||
| Average total assets | $1,838,858,750 | 446 |
| Average earning assets | $1,786,659,000 | 416 |
| Average equity | $167,433,750 | 515 |
| Average total loans | $1,460,594,500 | 407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,632 |
| Cost of funding earning assets | 1.2508% | 147 |
| Net interest margin | 3.0871% | 4,752 |
| Noninterest income to average assets | 0.6391% | 2,142 |
| Noninterest expense to average assets | 1.9577% | 4,864 |
| Loan and lease loss provision to assets | 0.1653% | 1,116 |
| Net operating income to assets | 1.4731% | 1,217 |
| Return on assets (ROA) | 1.4731% | 1,217 |
| Pretax return on assets | 1.5167% | 1,754 |
| Return on Equity (ROE) | 16.1771% | 637 |
| Retained earnings to average equity (ytd only) | 9.6561% | 1,023 |
| Net charge-offs to loans | 0.1353% | 1,112 |
| Credit loss provision to net charge-offs | 154.1624% | 1,550 |
| Earnings coverage of net charge-offs (x) | 15.6886% | 2,029 |
| Efficiency ratio | 53.7872% | 4,715 |
| Assets per employee ($millions) | 6.8013% | 1,013 |
| Cash dividends to net income (ytd only)* | 40.3097% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,543 |
| Loan loss allowance to noncurrent loans | 621.7241% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,942 |
| Noncurrent loans to loans | 0.2337% | 3,873 |
| Net loans and leases to total assets | 78.7303% | 1,200 |
| Net loans and leases to deposits | 95.3154% | 1,216 |
| Net loans and leases to core deposits | 113.3343% | 821 |
| Total domestic deposits to total assets | 82.5998% | 3,525 |
| Equity capital to assets | 9.0800% | 4,499 |
| Core capital (leverage) ratio | 9.3305% | 4,326 |
| Tier 1 risk-based capital ratio | 12.3698% | 4,261 |
| Total risk-based capital ratio | 13.6238% | 4,149 |
| Memoranda: | ||
| Average total assets | $1,815,091,000 | 452 |
| Average earning assets | $1,764,244,670 | 422 |
| Average equity | $165,283,330 | 518 |
| Average total loans | $1,438,674,000 | 410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 2,625 |
| Cost of funding earning assets | 1.2017% | 140 |
| Net interest margin | 3.0715% | 4,762 |
| Noninterest income to average assets | 0.4623% | 3,040 |
| Noninterest expense to average assets | 1.8472% | 5,108 |
| Loan and lease loss provision to assets | 0.1675% | 1,060 |
| Net operating income to assets | 1.3964% | 1,354 |
| Return on assets (ROA) | 1.3964% | 1,360 |
| Pretax return on assets | 1.4335% | 1,889 |
| Return on Equity (ROE) | 15.3123% | 750 |
| Retained earnings to average equity (ytd only) | 8.6211% | 1,610 |
| Net charge-offs to loans | 0.0232% | 2,039 |
| Credit loss provision to net charge-offs | 914.6341% | 369 |
| Earnings coverage of net charge-offs (x) | 87.4146% | 666 |
| Efficiency ratio | 53.5691% | 4,837 |
| Assets per employee ($millions) | 6.5234% | 1,185 |
| Cash dividends to net income (ytd only)* | 43.6980% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,389 |
| Loan loss allowance to noncurrent loans | 679.8938% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,824 |
| Noncurrent loans to loans | 0.2237% | 3,982 |
| Net loans and leases to total assets | 78.6113% | 1,143 |
| Net loans and leases to deposits | 91.9280% | 1,456 |
| Net loans and leases to core deposits | 117.8246% | 661 |
| Total domestic deposits to total assets | 85.5140% | 2,743 |
| Equity capital to assets | 9.2026% | 4,361 |
| Core capital (leverage) ratio | 9.2787% | 4,347 |
| Tier 1 risk-based capital ratio | 12.6194% | 4,166 |
| Total risk-based capital ratio | 13.8744% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,790,860,500 | 458 |
| Average earning assets | $1,740,923,000 | 431 |
| Average equity | $163,320,000 | 530 |
| Average total loans | $1,413,602,500 | 415 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,627 |
| Cost of funding earning assets | 1.0617% | 155 |
| Net interest margin | 3.1536% | 4,564 |
| Noninterest income to average assets | 1.0553% | 910 |
| Noninterest expense to average assets | 2.2860% | 4,373 |
| Loan and lease loss provision to assets | 0.1734% | 1,257 |
| Net operating income to assets | 1.6079% | 642 |
| Return on assets (ROA) | 1.6079% | 658 |
| Pretax return on assets | 1.6545% | 1,139 |
| Return on Equity (ROE) | 17.7180% | 329 |
| Retained earnings to average equity (ytd only) | 10.3073% | 314 |
| Net charge-offs to loans | 0.1399% | 1,668 |
| Credit loss provision to net charge-offs | 157.5306% | 1,697 |
| Earnings coverage of net charge-offs (x) | 16.6051% | 2,166 |
| Efficiency ratio | 55.5674% | 4,804 |
| Assets per employee ($millions) | 6.3622% | 1,279 |
| Cash dividends to net income (ytd only)* | 41.8255% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,363 |
| Loan loss allowance to noncurrent loans | 544.0464% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,962 |
| Noncurrent loans to loans | 0.2781% | 3,787 |
| Net loans and leases to total assets | 76.8595% | 1,450 |
| Net loans and leases to deposits | 89.2164% | 1,865 |
| Net loans and leases to core deposits | 110.9149% | 959 |
| Total domestic deposits to total assets | 86.1495% | 2,371 |
| Equity capital to assets | 9.0364% | 4,680 |
| Core capital (leverage) ratio | 9.2209% | 4,374 |
| Tier 1 risk-based capital ratio | 12.6014% | 4,145 |
| Total risk-based capital ratio | 13.8562% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,706,885,800 | 464 |
| Average earning assets | $1,655,553,600 | 440 |
| Average equity | $154,899,200 | 531 |
| Average total loans | $1,342,892,000 | 419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,677 |
| Cost of funding earning assets | 1.0294% | 172 |
| Net interest margin | 3.1512% | 4,580 |
| Noninterest income to average assets | 1.1919% | 726 |
| Noninterest expense to average assets | 2.3715% | 4,091 |
| Loan and lease loss provision to assets | 0.1747% | 1,151 |
| Net operating income to assets | 1.6542% | 635 |
| Return on assets (ROA) | 1.6542% | 654 |
| Pretax return on assets | 1.7008% | 1,123 |
| Return on Equity (ROE) | 18.2076% | 317 |
| Retained earnings to average equity (ytd only) | 10.6795% | 462 |
| Net charge-offs to loans | 0.0105% | 3,345 |
| Credit loss provision to net charge-offs | 2,104.7619% | 197 |
| Earnings coverage of net charge-offs (x) | 225.9563% | 387 |
| Efficiency ratio | 55.8389% | 4,765 |
| Assets per employee ($millions) | 6.0772% | 1,436 |
| Cash dividends to net income (ytd only)* | 41.3457% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,203 |
| Loan loss allowance to noncurrent loans | 860.2021% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,417 |
| Noncurrent loans to loans | 0.1877% | 4,321 |
| Net loans and leases to total assets | 78.1376% | 1,244 |
| Net loans and leases to deposits | 92.2829% | 1,531 |
| Net loans and leases to core deposits | 113.7898% | 853 |
| Total domestic deposits to total assets | 84.6718% | 2,850 |
| Equity capital to assets | 9.2568% | 4,677 |
| Core capital (leverage) ratio | 9.2496% | 4,464 |
| Tier 1 risk-based capital ratio | 12.3802% | 4,393 |
| Total risk-based capital ratio | 13.6360% | 4,295 |
| Memoranda: | ||
| Average total assets | $1,686,659,750 | 471 |
| Average earning assets | $1,635,231,500 | 446 |
| Average equity | $153,236,250 | 543 |
| Average total loans | $1,329,816,250 | 427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,755 |
| Cost of funding earning assets | 0.9952% | 181 |
| Net interest margin | 3.1272% | 4,612 |
| Noninterest income to average assets | 1.2691% | 644 |
| Noninterest expense to average assets | 2.3828% | 4,100 |
| Loan and lease loss provision to assets | 0.1745% | 1,103 |
| Net operating income to assets | 1.6962% | 568 |
| Return on assets (ROA) | 1.6962% | 576 |
| Pretax return on assets | 1.7411% | 964 |
| Return on Equity (ROE) | 18.7925% | 278 |
| Retained earnings to average equity (ytd only) | 11.4908% | 373 |
| Net charge-offs to loans | 0.0093% | 3,133 |
| Credit loss provision to net charge-offs | 2,393.4426% | 182 |
| Earnings coverage of net charge-offs (x) | 262.7705% | 325 |
| Efficiency ratio | 55.4354% | 4,881 |
| Assets per employee ($millions) | 5.9850% | 1,475 |
| Cash dividends to net income (ytd only)* | 38.8544% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,265 |
| Loan loss allowance to noncurrent loans | 771.0327% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 4,421 |
| Noncurrent loans to loans | 0.2068% | 4,295 |
| Net loans and leases to total assets | 78.3385% | 1,191 |
| Net loans and leases to deposits | 94.5745% | 1,218 |
| Net loans and leases to core deposits | 114.1731% | 793 |
| Total domestic deposits to total assets | 82.8326% | 3,618 |
| Equity capital to assets | 9.2484% | 4,673 |
| Core capital (leverage) ratio | 9.3049% | 4,361 |
| Tier 1 risk-based capital ratio | 12.2588% | 4,454 |
| Total risk-based capital ratio | 13.5143% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,673,575,000 | 475 |
| Average earning assets | $1,621,116,670 | 453 |
| Average equity | $151,060,330 | 545 |
| Average total loans | $1,316,181,330 | 433 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 2,862 |
| Cost of funding earning assets | 0.9778% | 183 |
| Net interest margin | 3.0700% | 4,734 |
| Noninterest income to average assets | 1.0448% | 920 |
| Noninterest expense to average assets | 2.2236% | 4,583 |
| Loan and lease loss provision to assets | 0.1704% | 1,037 |
| Net operating income to assets | 1.6012% | 674 |
| Return on assets (ROA) | 1.6012% | 691 |
| Pretax return on assets | 1.6247% | 1,172 |
| Return on Equity (ROE) | 17.9636% | 343 |
| Retained earnings to average equity (ytd only) | 10.6069% | 673 |
| Net charge-offs to loans | 0.0031% | 2,864 |
| Credit loss provision to net charge-offs | 7,100.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 747.9000% | 64 |
| Efficiency ratio | 55.3306% | 5,008 |
| Assets per employee ($millions) | 5.8723% | 1,598 |
| Cash dividends to net income (ytd only)* | 40.9534% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,404 |
| Loan loss allowance to noncurrent loans | 830.7816% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 4,535 |
| Noncurrent loans to loans | 0.1918% | 4,438 |
| Net loans and leases to total assets | 77.8467% | 1,158 |
| Net loans and leases to deposits | 90.9548% | 1,431 |
| Net loans and leases to core deposits | 108.5013% | 946 |
| Total domestic deposits to total assets | 85.5884% | 2,845 |
| Equity capital to assets | 9.2053% | 4,613 |
| Core capital (leverage) ratio | 9.0936% | 4,628 |
| Tier 1 risk-based capital ratio | 12.3703% | 4,467 |
| Total risk-based capital ratio | 13.6260% | 4,371 |
| Memoranda: | ||
| Average total assets | $1,666,482,000 | 479 |
| Average earning assets | $1,614,315,000 | 457 |
| Average equity | $148,545,000 | 551 |
| Average total loans | $1,302,475,500 | 436 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,807 |
| Cost of funding earning assets | 0.9505% | 227 |
| Net interest margin | 3.1611% | 4,560 |
| Noninterest income to average assets | 1.6096% | 472 |
| Noninterest expense to average assets | 2.4152% | 4,263 |
| Loan and lease loss provision to assets | 0.1632% | 1,513 |
| Net operating income to assets | 2.0454% | 290 |
| Return on assets (ROA) | 2.0423% | 302 |
| Pretax return on assets | 2.0901% | 410 |
| Return on Equity (ROE) | 23.1804% | 114 |
| Retained earnings to average equity (ytd only) | 13.1103% | 161 |
| Net charge-offs to loans | 0.0701% | 2,695 |
| Credit loss provision to net charge-offs | 296.2113% | 997 |
| Earnings coverage of net charge-offs (x) | 40.9506% | 1,160 |
| Efficiency ratio | 51.6988% | 5,402 |
| Assets per employee ($millions) | 6.0965% | 1,410 |
| Cash dividends to net income (ytd only)* | 43.4422% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,548 |
| Loan loss allowance to noncurrent loans | 353.1652% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 3,804 |
| Noncurrent loans to loans | 0.4348% | 3,586 |
| Net loans and leases to total assets | 76.0461% | 1,508 |
| Net loans and leases to deposits | 88.3766% | 1,877 |
| Net loans and leases to core deposits | 96.8213% | 1,848 |
| Total domestic deposits to total assets | 86.0478% | 2,555 |
| Equity capital to assets | 8.6297% | 5,164 |
| Core capital (leverage) ratio | 8.9350% | 4,817 |
| Tier 1 risk-based capital ratio | 12.1966% | 4,579 |
| Total risk-based capital ratio | 13.4517% | 4,455 |
| Memoranda: | ||
| Average total assets | $1,580,693,800 | 483 |
| Average earning assets | $1,531,183,600 | 456 |
| Average equity | $139,264,400 | 569 |
| Average total loans | $1,241,790,400 | 430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,773 |
| Cost of funding earning assets | 0.9396% | 237 |
| Net interest margin | 3.1878% | 4,518 |
| Noninterest income to average assets | 1.9150% | 370 |
| Noninterest expense to average assets | 2.5640% | 3,784 |
| Loan and lease loss provision to assets | 0.1828% | 1,207 |
| Net operating income to assets | 2.2091% | 241 |
| Return on assets (ROA) | 2.2049% | 256 |
| Pretax return on assets | 2.2516% | 341 |
| Return on Equity (ROE) | 24.8881% | 85 |
| Retained earnings to average equity (ytd only) | 15.0778% | 132 |
| Net charge-offs to loans | -0.1154% | 5,623 |
| Credit loss provision to net charge-offs | -200.7540% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2522% | 5,426 |
| Assets per employee ($millions) | 5.8424% | 1,547 |
| Cash dividends to net income (ytd only)* | 39.4178% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,282 |
| Loan loss allowance to noncurrent loans | 226.3258% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 3,048 |
| Noncurrent loans to loans | 0.7389% | 2,827 |
| Net loans and leases to total assets | 79.0083% | 1,038 |
| Net loans and leases to deposits | 92.9866% | 1,371 |
| Net loans and leases to core deposits | 110.4716% | 884 |
| Total domestic deposits to total assets | 84.9674% | 2,819 |
| Equity capital to assets | 9.1050% | 5,067 |
| Core capital (leverage) ratio | 8.9221% | 4,919 |
| Tier 1 risk-based capital ratio | 12.2833% | 4,620 |
| Total risk-based capital ratio | 13.5405% | 4,516 |
| Memoranda: | ||
| Average total assets | $1,553,684,750 | 495 |
| Average earning assets | $1,504,892,750 | 464 |
| Average equity | $137,647,250 | 574 |
| Average total loans | $1,226,177,750 | 437 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 2,809 |
| Cost of funding earning assets | 0.9146% | 269 |
| Net interest margin | 3.1979% | 4,546 |
| Noninterest income to average assets | 1.7653% | 408 |
| Noninterest expense to average assets | 2.5119% | 4,000 |
| Loan and lease loss provision to assets | 0.1795% | 1,217 |
| Net operating income to assets | 2.1388% | 250 |
| Return on assets (ROA) | 2.1324% | 270 |
| Pretax return on assets | 2.1649% | 406 |
| Return on Equity (ROE) | 24.3032% | 100 |
| Retained earnings to average equity (ytd only) | 14.3184% | 170 |
| Net charge-offs to loans | 0.0159% | 3,200 |
| Credit loss provision to net charge-offs | 1,437.5000% | 273 |
| Earnings coverage of net charge-offs (x) | 188.3125% | 349 |
| Efficiency ratio | 51.6553% | 5,463 |
| Assets per employee ($millions) | 6.2346% | 1,246 |
| Cash dividends to net income (ytd only)* | 41.0843% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,565 |
| Loan loss allowance to noncurrent loans | 199.9490% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,049 |
| Noncurrent loans to loans | 0.7936% | 2,762 |
| Net loans and leases to total assets | 77.0785% | 1,325 |
| Net loans and leases to deposits | 90.2741% | 1,723 |
| Net loans and leases to core deposits | 106.5828% | 1,132 |
| Total domestic deposits to total assets | 85.3827% | 2,696 |
| Equity capital to assets | 8.8783% | 5,328 |
| Core capital (leverage) ratio | 8.7917% | 5,069 |
| Tier 1 risk-based capital ratio | 12.2182% | 4,690 |
| Total risk-based capital ratio | 13.4742% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,537,974,330 | 497 |
| Average earning assets | $1,489,671,330 | 466 |
| Average equity | $134,945,000 | 587 |
| Average total loans | $1,206,141,000 | 440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 2,802 |
| Cost of funding earning assets | 0.8791% | 319 |
| Net interest margin | 3.2346% | 4,457 |
| Noninterest income to average assets | 1.6097% | 456 |
| Noninterest expense to average assets | 2.3748% | 4,442 |
| Loan and lease loss provision to assets | 0.1791% | 1,132 |
| Net operating income to assets | 2.1885% | 230 |
| Return on assets (ROA) | 2.1885% | 243 |
| Pretax return on assets | 2.1869% | 389 |
| Return on Equity (ROE) | 25.0973% | 97 |
| Retained earnings to average equity (ytd only) | 15.2149% | 235 |
| Net charge-offs to loans | -0.0017% | 4,106 |
| Credit loss provision to net charge-offs | -13,600.0000% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0917% | 5,623 |
| Assets per employee ($millions) | 6.1130% | 1,331 |
| Cash dividends to net income (ytd only)* | 39.3764% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,682 |
| Loan loss allowance to noncurrent loans | 422.9691% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 4,301 |
| Noncurrent loans to loans | 0.3733% | 4,097 |
| Net loans and leases to total assets | 77.1943% | 1,220 |
| Net loans and leases to deposits | 90.4343% | 1,526 |
| Net loans and leases to core deposits | 106.8849% | 1,026 |
| Total domestic deposits to total assets | 85.3596% | 2,979 |
| Equity capital to assets | 8.8329% | 5,316 |
| Core capital (leverage) ratio | 8.9126% | 4,953 |
| Tier 1 risk-based capital ratio | 12.3886% | 4,662 |
| Total risk-based capital ratio | 13.6450% | 4,557 |
| Memoranda: | ||
| Average total assets | $1,518,290,000 | 505 |
| Average earning assets | $1,469,738,500 | 470 |
| Average equity | $132,396,500 | 603 |
| Average total loans | $1,191,514,000 | 442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 2,771 |
| Cost of funding earning assets | 0.7967% | 496 |
| Net interest margin | 3.3440% | 4,132 |
| Noninterest income to average assets | 1.4928% | 558 |
| Noninterest expense to average assets | 2.2710% | 4,870 |
| Loan and lease loss provision to assets | 0.1879% | 1,189 |
| Net operating income to assets | 2.1985% | 250 |
| Return on assets (ROA) | 2.1985% | 257 |
| Pretax return on assets | 2.2662% | 307 |
| Return on Equity (ROE) | 25.3450% | 98 |
| Retained earnings to average equity (ytd only) | 15.1880% | 129 |
| Net charge-offs to loans | 0.2359% | 1,262 |
| Credit loss provision to net charge-offs | 102.6046% | 2,445 |
| Earnings coverage of net charge-offs (x) | 13.3994% | 2,372 |
| Efficiency ratio | 48.0619% | 5,841 |
| Assets per employee ($millions) | 6.5031% | 1,098 |
| Cash dividends to net income (ytd only)* | 40.0750% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,789 |
| Loan loss allowance to noncurrent loans | 437.3120% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,305 |
| Noncurrent loans to loans | 0.3551% | 4,187 |
| Net loans and leases to total assets | 77.3033% | 1,209 |
| Net loans and leases to deposits | 90.5517% | 1,548 |
| Net loans and leases to core deposits | 106.0858% | 1,093 |
| Total domestic deposits to total assets | 85.3693% | 2,915 |
| Equity capital to assets | 8.6049% | 5,462 |
| Core capital (leverage) ratio | 8.9003% | 5,003 |
| Tier 1 risk-based capital ratio | 12.2660% | 4,780 |
| Total risk-based capital ratio | 13.5221% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,383,556,600 | 518 |
| Average earning assets | $1,337,326,800 | 486 |
| Average equity | $120,016,000 | 638 |
| Average total loans | $1,074,090,000 | 449 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 2,668 |
| Cost of funding earning assets | 0.7854% | 536 |
| Net interest margin | 3.3883% | 4,007 |
| Noninterest income to average assets | 1.4479% | 586 |
| Noninterest expense to average assets | 2.2924% | 4,797 |
| Loan and lease loss provision to assets | 0.1379% | 1,615 |
| Net operating income to assets | 2.2284% | 242 |
| Return on assets (ROA) | 2.2284% | 256 |
| Pretax return on assets | 2.2927% | 337 |
| Return on Equity (ROE) | 25.6321% | 105 |
| Retained earnings to average equity (ytd only) | 15.6015% | 146 |
| Net charge-offs to loans | 0.0053% | 3,989 |
| Credit loss provision to net charge-offs | 3,333.3333% | 109 |
| Earnings coverage of net charge-offs (x) | 587.6282% | 128 |
| Efficiency ratio | 48.5373% | 5,847 |
| Assets per employee ($millions) | 6.3501% | 1,152 |
| Cash dividends to net income (ytd only)* | 39.1329% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 1,355 |
| Loan loss allowance to noncurrent loans | 293.3144% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 3,871 |
| Noncurrent loans to loans | 0.5982% | 3,529 |
| Net loans and leases to total assets | 76.8540% | 1,263 |
| Net loans and leases to deposits | 91.2494% | 1,494 |
| Net loans and leases to core deposits | 106.4355% | 1,067 |
| Total domestic deposits to total assets | 84.2241% | 3,330 |
| Equity capital to assets | 8.7640% | 5,521 |
| Core capital (leverage) ratio | 8.9778% | 5,017 |
| Tier 1 risk-based capital ratio | 12.4265% | 4,809 |
| Total risk-based capital ratio | 13.6854% | 4,710 |
| Memoranda: | ||
| Average total assets | $1,353,890,500 | 528 |
| Average earning assets | $1,308,631,500 | 498 |
| Average equity | $117,703,750 | 655 |
| Average total loans | $1,047,716,000 | 463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,637 |
| Cost of funding earning assets | 0.7752% | 565 |
| Net interest margin | 3.3991% | 3,911 |
| Noninterest income to average assets | 1.3655% | 664 |
| Noninterest expense to average assets | 2.2689% | 4,927 |
| Loan and lease loss provision to assets | 0.1129% | 1,948 |
| Net operating income to assets | 2.2087% | 252 |
| Return on assets (ROA) | 2.2087% | 268 |
| Pretax return on assets | 2.2636% | 368 |
| Return on Equity (ROE) | 25.4794% | 113 |
| Retained earnings to average equity (ytd only) | 15.3335% | 172 |
| Net charge-offs to loans | 0.0043% | 3,753 |
| Credit loss provision to net charge-offs | 3,409.0909% | 123 |
| Earnings coverage of net charge-offs (x) | 717.7727% | 89 |
| Efficiency ratio | 48.8418% | 5,911 |
| Assets per employee ($millions) | 6.1721% | 1,233 |
| Cash dividends to net income (ytd only)* | 39.8201% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 1,458 |
| Loan loss allowance to noncurrent loans | 688.2161% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 4,925 |
| Noncurrent loans to loans | 0.2562% | 4,762 |
| Net loans and leases to total assets | 77.1906% | 1,180 |
| Net loans and leases to deposits | 91.9221% | 1,387 |
| Net loans and leases to core deposits | 108.0773% | 946 |
| Total domestic deposits to total assets | 83.9739% | 3,576 |
| Equity capital to assets | 8.7151% | 5,512 |
| Core capital (leverage) ratio | 8.7734% | 5,257 |
| Tier 1 risk-based capital ratio | 12.2066% | 4,996 |
| Total risk-based capital ratio | 13.4652% | 4,888 |
| Memoranda: | ||
| Average total assets | $1,328,930,330 | 534 |
| Average earning assets | $1,282,322,000 | 506 |
| Average equity | $115,199,000 | 670 |
| Average total loans | $1,024,395,330 | 473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 2,754 |
| Cost of funding earning assets | 0.7517% | 649 |
| Net interest margin | 3.3680% | 3,959 |
| Noninterest income to average assets | 1.3474% | 635 |
| Noninterest expense to average assets | 2.1802% | 5,204 |
| Loan and lease loss provision to assets | 0.0917% | 2,165 |
| Net operating income to assets | 2.2888% | 204 |
| Return on assets (ROA) | 2.2888% | 217 |
| Pretax return on assets | 2.3206% | 315 |
| Return on Equity (ROE) | 26.4777% | 87 |
| Retained earnings to average equity (ytd only) | 16.7227% | 191 |
| Net charge-offs to loans | 0.0012% | 3,268 |
| Credit loss provision to net charge-offs | 10,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,630.0000% | 12 |
| Efficiency ratio | 47.4735% | 6,042 |
| Assets per employee ($millions) | 6.0509% | 1,370 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 1,438 |
| Loan loss allowance to noncurrent loans | 615.0531% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,968 |
| Noncurrent loans to loans | 0.2970% | 4,724 |
| Net loans and leases to total assets | 75.2296% | 1,318 |
| Net loans and leases to deposits | 89.3151% | 1,460 |
| Net loans and leases to core deposits | 104.4645% | 1,035 |
| Total domestic deposits to total assets | 84.2294% | 3,721 |
| Equity capital to assets | 8.7298% | 5,556 |
| Core capital (leverage) ratio | 8.8402% | 5,151 |
| Tier 1 risk-based capital ratio | 12.8387% | 4,700 |
| Total risk-based capital ratio | 14.0987% | 4,613 |
| Memoranda: | ||
| Average total assets | $1,308,297,500 | 540 |
| Average earning assets | $1,260,584,500 | 513 |
| Average equity | $113,091,500 | 684 |
| Average total loans | $998,271,500 | 477 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,652 |
| Cost of funding earning assets | 0.7791% | 723 |
| Net interest margin | 3.5086% | 3,757 |
| Noninterest income to average assets | 0.8934% | 1,520 |
| Noninterest expense to average assets | 2.1126% | 5,540 |
| Loan and lease loss provision to assets | 0.1028% | 2,438 |
| Net operating income to assets | 1.9756% | 341 |
| Return on assets (ROA) | 1.9756% | 353 |
| Pretax return on assets | 2.0515% | 464 |
| Return on Equity (ROE) | 22.3135% | 167 |
| Retained earnings to average equity (ytd only) | 13.3881% | 205 |
| Net charge-offs to loans | 0.0082% | 4,757 |
| Credit loss provision to net charge-offs | 1,643.8356% | 180 |
| Earnings coverage of net charge-offs (x) | 344.4658% | 156 |
| Efficiency ratio | 49.5111% | 6,117 |
| Assets per employee ($millions) | 6.0067% | 1,372 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 1,398 |
| Loan loss allowance to noncurrent loans | 578.3587% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,010 |
| Noncurrent loans to loans | 0.3217% | 4,691 |
| Net loans and leases to total assets | 74.5549% | 1,485 |
| Net loans and leases to deposits | 88.5578% | 1,665 |
| Net loans and leases to core deposits | 104.1129% | 1,124 |
| Total domestic deposits to total assets | 84.1878% | 3,631 |
| Equity capital to assets | 8.5564% | 5,693 |
| Core capital (leverage) ratio | 9.0250% | 4,955 |
| Tier 1 risk-based capital ratio | 12.6327% | 4,955 |
| Total risk-based capital ratio | 13.8930% | 4,863 |
| Memoranda: | ||
| Average total assets | $1,167,220,600 | 579 |
| Average earning assets | $1,122,298,200 | 551 |
| Average equity | $103,345,400 | 704 |
| Average total loans | $891,563,200 | 502 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,442 |
| Cost of funding earning assets | 0.7874% | 735 |
| Net interest margin | 3.5573% | 3,601 |
| Noninterest income to average assets | 0.7843% | 1,946 |
| Noninterest expense to average assets | 2.1040% | 5,558 |
| Loan and lease loss provision to assets | 0.1056% | 2,273 |
| Net operating income to assets | 1.9271% | 402 |
| Return on assets (ROA) | 1.9271% | 411 |
| Pretax return on assets | 1.9958% | 580 |
| Return on Equity (ROE) | 21.5599% | 205 |
| Retained earnings to average equity (ytd only) | 12.9042% | 333 |
| Net charge-offs to loans | 0.0083% | 4,424 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 331.6028% | 215 |
| Efficiency ratio | 50.0307% | 6,103 |
| Assets per employee ($millions) | 5.8733% | 1,430 |
| Cash dividends to net income (ytd only)* | 40.1474% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 1,364 |
| Loan loss allowance to noncurrent loans | 830.4991% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 5,470 |
| Noncurrent loans to loans | 0.2341% | 5,198 |
| Net loans and leases to total assets | 76.0263% | 1,219 |
| Net loans and leases to deposits | 91.5248% | 1,281 |
| Net loans and leases to core deposits | 106.2596% | 944 |
| Total domestic deposits to total assets | 83.0663% | 4,120 |
| Equity capital to assets | 8.9526% | 5,401 |
| Core capital (leverage) ratio | 9.0912% | 4,941 |
| Tier 1 risk-based capital ratio | 12.9422% | 4,899 |
| Total risk-based capital ratio | 14.2038% | 4,810 |
| Memoranda: | ||
| Average total assets | $1,136,163,500 | 594 |
| Average earning assets | $1,092,673,500 | 558 |
| Average equity | $101,556,500 | 718 |
| Average total loans | $869,181,250 | 507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,534 |
| Cost of funding earning assets | 0.7859% | 769 |
| Net interest margin | 3.5298% | 3,658 |
| Noninterest income to average assets | 0.6731% | 2,414 |
| Noninterest expense to average assets | 2.0983% | 5,627 |
| Loan and lease loss provision to assets | 0.1074% | 2,218 |
| Net operating income to assets | 1.8068% | 487 |
| Return on assets (ROA) | 1.8068% | 502 |
| Pretax return on assets | 1.8596% | 744 |
| Return on Equity (ROE) | 20.2247% | 279 |
| Retained earnings to average equity (ytd only) | 11.4656% | 481 |
| Net charge-offs to loans | 0.0096% | 4,077 |
| Credit loss provision to net charge-offs | 1,463.4146% | 251 |
| Earnings coverage of net charge-offs (x) | 268.0488% | 254 |
| Efficiency ratio | 51.6157% | 6,090 |
| Assets per employee ($millions) | 5.7084% | 1,516 |
| Cash dividends to net income (ytd only)* | 43.3086% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 1,355 |
| Loan loss allowance to noncurrent loans | 928.8340% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 5,652 |
| Noncurrent loans to loans | 0.2155% | 5,366 |
| Net loans and leases to total assets | 75.4594% | 1,241 |
| Net loans and leases to deposits | 88.9842% | 1,480 |
| Net loans and leases to core deposits | 102.5105% | 1,103 |
| Total domestic deposits to total assets | 84.8009% | 3,604 |
| Equity capital to assets | 8.9571% | 5,346 |
| Core capital (leverage) ratio | 8.9642% | 5,074 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,954 |
| Total risk-based capital ratio | 14.1966% | 4,884 |
| Memoranda: | ||
| Average total assets | $1,117,459,330 | 602 |
| Average earning assets | $1,073,897,000 | 566 |
| Average equity | $99,828,670 | 728 |
| Average total loans | $850,770,000 | 515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 2,664 |
| Cost of funding earning assets | 0.7830% | 816 |
| Net interest margin | 3.4775% | 3,792 |
| Noninterest income to average assets | 0.5562% | 3,008 |
| Noninterest expense to average assets | 2.0169% | 5,854 |
| Loan and lease loss provision to assets | 0.1088% | 2,121 |
| Net operating income to assets | 1.7426% | 530 |
| Return on assets (ROA) | 1.7426% | 547 |
| Pretax return on assets | 1.7709% | 841 |
| Return on Equity (ROE) | 19.5330% | 328 |
| Retained earnings to average equity (ytd only) | 9.9638% | 974 |
| Net charge-offs to loans | -0.0024% | 4,718 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7598% | 6,150 |
| Assets per employee ($millions) | 5.5298% | 1,680 |
| Cash dividends to net income (ytd only)* | 48.9902% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 1,389 |
| Loan loss allowance to noncurrent loans | 939.1703% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,616 |
| Noncurrent loans to loans | 0.2198% | 5,433 |
| Net loans and leases to total assets | 74.7619% | 1,159 |
| Net loans and leases to deposits | 88.5644% | 1,300 |
| Net loans and leases to core deposits | 102.2052% | 975 |
| Total domestic deposits to total assets | 84.4154% | 4,118 |
| Equity capital to assets | 9.0094% | 5,109 |
| Core capital (leverage) ratio | 9.0537% | 4,930 |
| Tier 1 risk-based capital ratio | 12.9099% | 5,053 |
| Total risk-based capital ratio | 14.1725% | 4,986 |
| Memoranda: | ||
| Average total assets | $1,102,496,000 | 616 |
| Average earning assets | $1,059,046,000 | 579 |
| Average equity | $98,356,500 | 740 |
| Average total loans | $834,407,000 | 520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,906 |
| Cost of funding earning assets | 0.8677% | 874 |
| Net interest margin | 3.7225% | 2,965 |
| Noninterest income to average assets | 1.1953% | 988 |
| Noninterest expense to average assets | 2.3311% | 5,286 |
| Loan and lease loss provision to assets | 0.1796% | 2,056 |
| Net operating income to assets | 2.1622% | 256 |
| Return on assets (ROA) | 2.1622% | 259 |
| Pretax return on assets | 2.2552% | 285 |
| Return on Equity (ROE) | 23.7418% | 157 |
| Retained earnings to average equity (ytd only) | 12.0955% | 311 |
| Net charge-offs to loans | 0.0661% | 4,288 |
| Credit loss provision to net charge-offs | 344.8276% | 659 |
| Earnings coverage of net charge-offs (x) | 46.7510% | 837 |
| Efficiency ratio | 48.9125% | 6,447 |
| Assets per employee ($millions) | 5.2335% | 1,920 |
| Cash dividends to net income (ytd only)* | 49.0541% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 1,375 |
| Loan loss allowance to noncurrent loans | 761.1556% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,676 |
| Noncurrent loans to loans | 0.2729% | 5,359 |
| Net loans and leases to total assets | 73.4664% | 1,442 |
| Net loans and leases to deposits | 86.7947% | 1,597 |
| Net loans and leases to core deposits | 98.5919% | 1,268 |
| Total domestic deposits to total assets | 84.6439% | 3,909 |
| Equity capital to assets | 8.8326% | 5,220 |
| Core capital (leverage) ratio | 9.1753% | 4,754 |
| Tier 1 risk-based capital ratio | 12.5784% | 5,242 |
| Total risk-based capital ratio | 13.8406% | 5,185 |
| Memoranda: | ||
| Average total assets | $1,002,301,200 | 655 |
| Average earning assets | $961,392,200 | 621 |
| Average equity | $91,282,000 | 772 |
| Average total loans | $789,877,800 | 531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,712 |
| Cost of funding earning assets | 0.8926% | 841 |
| Net interest margin | 3.7700% | 2,751 |
| Noninterest income to average assets | 1.3117% | 863 |
| Noninterest expense to average assets | 2.3902% | 5,053 |
| Loan and lease loss provision to assets | 0.2045% | 1,776 |
| Net operating income to assets | 2.2359% | 241 |
| Return on assets (ROA) | 2.2359% | 250 |
| Pretax return on assets | 2.3301% | 304 |
| Return on Equity (ROE) | 24.3450% | 134 |
| Retained earnings to average equity (ytd only) | 11.9461% | 430 |
| Net charge-offs to loans | 0.0271% | 4,580 |
| Credit loss provision to net charge-offs | 943.3962% | 326 |
| Earnings coverage of net charge-offs (x) | 116.9460% | 438 |
| Efficiency ratio | 48.5344% | 6,476 |
| Assets per employee ($millions) | 5.0097% | 2,151 |
| Cash dividends to net income (ytd only)* | 50.9297% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1816% | 1,356 |
| Loan loss allowance to noncurrent loans | 556.8189% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 5,466 |
| Noncurrent loans to loans | 0.3918% | 5,220 |
| Net loans and leases to total assets | 75.7849% | 1,034 |
| Net loans and leases to deposits | 90.8648% | 1,078 |
| Net loans and leases to core deposits | 101.8520% | 999 |
| Total domestic deposits to total assets | 83.4040% | 4,412 |
| Equity capital to assets | 9.2519% | 4,859 |
| Core capital (leverage) ratio | 9.4307% | 4,505 |
| Tier 1 risk-based capital ratio | 12.7278% | 5,308 |
| Total risk-based capital ratio | 13.9913% | 5,239 |
| Memoranda: | ||
| Average total assets | $978,118,750 | 675 |
| Average earning assets | $937,424,500 | 638 |
| Average equity | $89,834,250 | 793 |
| Average total loans | $781,211,000 | 533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,649 |
| Cost of funding earning assets | 0.9017% | 889 |
| Net interest margin | 3.7682% | 2,681 |
| Noninterest income to average assets | 1.4153% | 788 |
| Noninterest expense to average assets | 2.4101% | 5,026 |
| Loan and lease loss provision to assets | 0.2487% | 1,503 |
| Net operating income to assets | 2.2734% | 227 |
| Return on assets (ROA) | 2.2734% | 241 |
| Pretax return on assets | 2.3650% | 321 |
| Return on Equity (ROE) | 24.8168% | 127 |
| Retained earnings to average equity (ytd only) | 11.9164% | 509 |
| Net charge-offs to loans | 0.0388% | 4,133 |
| Credit loss provision to net charge-offs | 794.7020% | 382 |
| Earnings coverage of net charge-offs (x) | 83.5298% | 542 |
| Efficiency ratio | 47.9748% | 6,538 |
| Assets per employee ($millions) | 4.9938% | 2,123 |
| Cash dividends to net income (ytd only)* | 51.9825% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 1,610 |
| Loan loss allowance to noncurrent loans | 681.6055% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 5,698 |
| Noncurrent loans to loans | 0.3097% | 5,526 |
| Net loans and leases to total assets | 79.6450% | 570 |
| Net loans and leases to deposits | 96.1101% | 661 |
| Net loans and leases to core deposits | 108.3142% | 639 |
| Total domestic deposits to total assets | 82.8685% | 4,750 |
| Equity capital to assets | 9.2497% | 4,923 |
| Core capital (leverage) ratio | 9.2781% | 4,580 |
| Tier 1 risk-based capital ratio | 12.6009% | 5,433 |
| Total risk-based capital ratio | 13.8644% | 5,359 |
| Memoranda: | ||
| Average total assets | $965,168,670 | 685 |
| Average earning assets | $924,252,670 | 647 |
| Average equity | $88,416,000 | 803 |
| Average total loans | $778,982,000 | 531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,522 |
| Cost of funding earning assets | 0.8948% | 1,009 |
| Net interest margin | 3.8089% | 2,414 |
| Noninterest income to average assets | 1.3617% | 830 |
| Noninterest expense to average assets | 2.4171% | 5,072 |
| Loan and lease loss provision to assets | 0.3766% | 849 |
| Net operating income to assets | 2.1141% | 285 |
| Return on assets (ROA) | 2.1141% | 311 |
| Pretax return on assets | 2.2108% | 411 |
| Return on Equity (ROE) | 23.1941% | 161 |
| Retained earnings to average equity (ytd only) | 10.1050% | 1,080 |
| Net charge-offs to loans | 0.0750% | 3,097 |
| Credit loss provision to net charge-offs | 625.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 42.9375% | 742 |
| Efficiency ratio | 48.2984% | 6,600 |
| Assets per employee ($millions) | 4.9450% | 2,291 |
| Cash dividends to net income (ytd only)* | 56.4331% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 1,658 |
| Loan loss allowance to noncurrent loans | 778.7992% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 5,459 |
| Noncurrent loans to loans | 0.2778% | 5,706 |
| Net loans and leases to total assets | 79.0725% | 512 |
| Net loans and leases to deposits | 96.3209% | 522 |
| Net loans and leases to core deposits | 108.8309% | 535 |
| Total domestic deposits to total assets | 82.0928% | 5,161 |
| Equity capital to assets | 9.2903% | 5,145 |
| Core capital (leverage) ratio | 9.3435% | 4,339 |
| Tier 1 risk-based capital ratio | 12.6562% | 5,467 |
| Total risk-based capital ratio | 13.9204% | 5,408 |
| Memoranda: | ||
| Average total assets | $955,860,500 | 696 |
| Average earning assets | $914,186,000 | 657 |
| Average equity | $87,125,500 | 822 |
| Average total loans | $768,256,500 | 541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 1,429 |
| Cost of funding earning assets | 1.0112% | 1,294 |
| Net interest margin | 4.0389% | 2,239 |
| Noninterest income to average assets | 1.2284% | 1,031 |
| Noninterest expense to average assets | 2.2615% | 5,784 |
| Loan and lease loss provision to assets | 0.2675% | 2,505 |
| Net operating income to assets | 2.4384% | 168 |
| Return on assets (ROA) | 2.4384% | 182 |
| Pretax return on assets | 2.5490% | 241 |
| Return on Equity (ROE) | 26.4706% | 94 |
| Retained earnings to average equity (ytd only) | 16.6955% | 97 |
| Net charge-offs to loans | 0.0188% | 5,649 |
| Credit loss provision to net charge-offs | 1,705.2239% | 136 |
| Earnings coverage of net charge-offs (x) | 179.5224% | 232 |
| Efficiency ratio | 44.5356% | 6,831 |
| Assets per employee ($millions) | 5.0914% | 2,109 |
| Cash dividends to net income (ytd only)* | 36.9280% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,857 |
| Loan loss allowance to noncurrent loans | 1,802.9579% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 5,942 |
| Noncurrent loans to loans | 0.1143% | 6,199 |
| Net loans and leases to total assets | 78.2843% | 643 |
| Net loans and leases to deposits | 95.1334% | 669 |
| Net loans and leases to core deposits | 107.9299% | 612 |
| Total domestic deposits to total assets | 82.2890% | 4,996 |
| Equity capital to assets | 8.9418% | 5,589 |
| Core capital (leverage) ratio | 9.4578% | 4,173 |
| Tier 1 risk-based capital ratio | 12.3047% | 5,599 |
| Total risk-based capital ratio | 13.5674% | 5,542 |
| Memoranda: | ||
| Average total assets | $854,114,200 | 767 |
| Average earning assets | $814,087,400 | 730 |
| Average equity | $78,679,800 | 893 |
| Average total loans | $711,440,600 | 581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 1,304 |
| Cost of funding earning assets | 1.0376% | 1,354 |
| Net interest margin | 4.1096% | 2,056 |
| Noninterest income to average assets | 0.8968% | 1,837 |
| Noninterest expense to average assets | 2.2055% | 5,937 |
| Loan and lease loss provision to assets | 0.3224% | 2,043 |
| Net operating income to assets | 2.1834% | 293 |
| Return on assets (ROA) | 2.1834% | 330 |
| Pretax return on assets | 2.2840% | 411 |
| Return on Equity (ROE) | 23.5015% | 180 |
| Retained earnings to average equity (ytd only) | 13.4044% | 359 |
| Net charge-offs to loans | 0.0142% | 5,496 |
| Credit loss provision to net charge-offs | 2,702.7027% | 100 |
| Earnings coverage of net charge-offs (x) | 218.4957% | 207 |
| Efficiency ratio | 45.8340% | 6,823 |
| Assets per employee ($millions) | 4.8425% | 2,385 |
| Cash dividends to net income (ytd only)* | 42.9636% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 1,820 |
| Loan loss allowance to noncurrent loans | 1,039.4544% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 5,314 |
| Noncurrent loans to loans | 0.2063% | 6,093 |
| Net loans and leases to total assets | 80.0141% | 503 |
| Net loans and leases to deposits | 99.3909% | 474 |
| Net loans and leases to core deposits | 112.4979% | 481 |
| Total domestic deposits to total assets | 80.5045% | 5,510 |
| Equity capital to assets | 9.0761% | 5,746 |
| Core capital (leverage) ratio | 9.1845% | 4,788 |
| Tier 1 risk-based capital ratio | 12.2774% | 5,789 |
| Total risk-based capital ratio | 13.5416% | 5,744 |
| Memoranda: | ||
| Average total assets | $827,073,500 | 800 |
| Average earning assets | $787,921,250 | 758 |
| Average equity | $76,838,500 | 916 |
| Average total loans | $697,010,750 | 596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 1,218 |
| Cost of funding earning assets | 1.0650% | 1,384 |
| Net interest margin | 4.1453% | 1,928 |
| Noninterest income to average assets | 0.8352% | 2,024 |
| Noninterest expense to average assets | 2.2113% | 5,968 |
| Loan and lease loss provision to assets | 0.3103% | 2,126 |
| Net operating income to assets | 2.1577% | 302 |
| Return on assets (ROA) | 2.1577% | 340 |
| Pretax return on assets | 2.2565% | 451 |
| Return on Equity (ROE) | 23.0294% | 210 |
| Retained earnings to average equity (ytd only) | 12.5757% | 494 |
| Net charge-offs to loans | 0.0166% | 5,182 |
| Credit loss provision to net charge-offs | 2,192.9825% | 138 |
| Earnings coverage of net charge-offs (x) | 181.4211% | 251 |
| Efficiency ratio | 46.2805% | 6,875 |
| Assets per employee ($millions) | 4.8965% | 2,301 |
| Cash dividends to net income (ytd only)* | 45.3928% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,833 |
| Loan loss allowance to noncurrent loans | 3,614.0777% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 5,674 |
| Noncurrent loans to loans | 0.0602% | 6,522 |
| Net loans and leases to total assets | 80.9657% | 409 |
| Net loans and leases to deposits | 99.6821% | 432 |
| Net loans and leases to core deposits | 115.0350% | 419 |
| Total domestic deposits to total assets | 81.2239% | 5,387 |
| Equity capital to assets | 9.4152% | 5,173 |
| Core capital (leverage) ratio | 9.6094% | 3,983 |
| Tier 1 risk-based capital ratio | 12.6585% | 5,446 |
| Total risk-based capital ratio | 13.9233% | 5,415 |
| Memoranda: | ||
| Average total assets | $805,758,000 | 821 |
| Average earning assets | $766,413,670 | 785 |
| Average equity | $75,494,670 | 927 |
| Average total loans | $686,492,670 | 603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 1,202 |
| Cost of funding earning assets | 1.0954% | 1,427 |
| Net interest margin | 4.1575% | 1,906 |
| Noninterest income to average assets | 0.9340% | 1,617 |
| Noninterest expense to average assets | 2.2675% | 5,862 |
| Loan and lease loss provision to assets | 0.3774% | 1,672 |
| Net operating income to assets | 2.1407% | 322 |
| Return on assets (ROA) | 2.1407% | 377 |
| Pretax return on assets | 2.2388% | 503 |
| Return on Equity (ROE) | 22.9059% | 249 |
| Retained earnings to average equity (ytd only) | 12.2822% | 783 |
| Net charge-offs to loans | 0.0012% | 4,727 |
| Credit loss provision to net charge-offs | 37,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,599.5000% | 3 |
| Efficiency ratio | 46.4297% | 6,874 |
| Assets per employee ($millions) | 4.7382% | 2,605 |
| Cash dividends to net income (ytd only)* | 46.3799% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,603.2186% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 4,929 |
| Noncurrent loans to loans | 0.1288% | 6,425 |
| Net loans and leases to total assets | 86.5924% | 105 |
| Net loans and leases to deposits | 104.0187% | 252 |
| Net loans and leases to core deposits | 119.7794% | 314 |
| Total domestic deposits to total assets | 83.2470% | 4,835 |
| Equity capital to assets | 9.5306% | 4,757 |
| Core capital (leverage) ratio | 9.4964% | 4,053 |
| Tier 1 risk-based capital ratio | 13.1300% | 5,110 |
| Total risk-based capital ratio | 14.3960% | 5,070 |
| Memoranda: | ||
| Average total assets | $794,884,000 | 835 |
| Average earning assets | $755,170,000 | 797 |
| Average equity | $74,286,500 | 938 |
| Average total loans | $687,296,000 | 601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3623% | 1,522 |
| Cost of funding earning assets | 1.3304% | 1,341 |
| Net interest margin | 4.0319% | 2,724 |
| Noninterest income to average assets | 0.5587% | 3,441 |
| Noninterest expense to average assets | 2.0736% | 6,542 |
| Loan and lease loss provision to assets | 0.4063% | 2,557 |
| Net operating income to assets | 1.8512% | 423 |
| Return on assets (ROA) | 1.8512% | 456 |
| Pretax return on assets | 1.9303% | 626 |
| Return on Equity (ROE) | 19.8778% | 265 |
| Retained earnings to average equity (ytd only) | 11.4346% | 354 |
| Net charge-offs to loans | 0.2567% | 4,172 |
| Credit loss provision to net charge-offs | 185.1852% | 1,395 |
| Earnings coverage of net charge-offs (x) | 10.6500% | 1,813 |
| Efficiency ratio | 46.6374% | 7,015 |
| Assets per employee ($millions) | 5.0219% | 2,173 |
| Cash dividends to net income (ytd only)* | 42.4757% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 2,186 |
| Loan loss allowance to noncurrent loans | 982.5681% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 4,930 |
| Noncurrent loans to loans | 0.2065% | 6,332 |
| Net loans and leases to total assets | 82.8142% | 281 |
| Net loans and leases to deposits | 98.3726% | 533 |
| Net loans and leases to core deposits | 116.3318% | 438 |
| Total domestic deposits to total assets | 84.1842% | 4,243 |
| Equity capital to assets | 9.1622% | 5,338 |
| Core capital (leverage) ratio | 9.5141% | 4,004 |
| Tier 1 risk-based capital ratio | 13.3953% | 4,775 |
| Total risk-based capital ratio | 14.6611% | 4,731 |
| Memoranda: | ||
| Average total assets | $738,383,600 | 887 |
| Average earning assets | $705,355,800 | 848 |
| Average equity | $68,765,000 | 978 |
| Average total loans | $631,203,000 | 654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 1,257 |
| Cost of funding earning assets | 1.3929% | 1,265 |
| Net interest margin | 4.1035% | 2,460 |
| Noninterest income to average assets | 0.4733% | 4,102 |
| Noninterest expense to average assets | 2.0238% | 6,646 |
| Loan and lease loss provision to assets | 0.3686% | 2,648 |
| Net operating income to assets | 1.9273% | 401 |
| Return on assets (ROA) | 1.9273% | 436 |
| Pretax return on assets | 2.0078% | 614 |
| Return on Equity (ROE) | 20.6025% | 277 |
| Retained earnings to average equity (ytd only) | 11.5544% | 546 |
| Net charge-offs to loans | 0.2330% | 3,969 |
| Credit loss provision to net charge-offs | 184.5018% | 1,595 |
| Earnings coverage of net charge-offs (x) | 11.8939% | 1,766 |
| Efficiency ratio | 45.6918% | 7,078 |
| Assets per employee ($millions) | 4.8601% | 2,384 |
| Cash dividends to net income (ytd only)* | 43.9174% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 2,176 |
| Loan loss allowance to noncurrent loans | 601.7735% | 565 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 4,722 |
| Noncurrent loans to loans | 0.3425% | 6,162 |
| Net loans and leases to total assets | 85.1306% | 157 |
| Net loans and leases to deposits | 102.5500% | 366 |
| Net loans and leases to core deposits | 119.2678% | 409 |
| Total domestic deposits to total assets | 83.0137% | 4,678 |
| Equity capital to assets | 9.6413% | 4,869 |
| Core capital (leverage) ratio | 9.3682% | 4,351 |
| Tier 1 risk-based capital ratio | 13.6516% | 4,613 |
| Total risk-based capital ratio | 14.9179% | 4,573 |
| Memoranda: | ||
| Average total assets | $723,358,500 | 910 |
| Average earning assets | $692,234,750 | 871 |
| Average equity | $67,666,500 | 1,002 |
| Average total loans | $620,265,000 | 678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 1,527 |
| Cost of funding earning assets | 1.4234% | 1,317 |
| Net interest margin | 3.9880% | 2,898 |
| Noninterest income to average assets | 0.4475% | 4,302 |
| Noninterest expense to average assets | 2.0472% | 6,697 |
| Loan and lease loss provision to assets | 0.3759% | 2,539 |
| Net operating income to assets | 1.7841% | 521 |
| Return on assets (ROA) | 1.7841% | 558 |
| Pretax return on assets | 1.8543% | 779 |
| Return on Equity (ROE) | 19.2747% | 360 |
| Retained earnings to average equity (ytd only) | 8.7724% | 1,184 |
| Net charge-offs to loans | -0.0199% | 6,822 |
| Credit loss provision to net charge-offs | -2,213.1148% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5295% | 7,085 |
| Assets per employee ($millions) | 5.1495% | 1,933 |
| Cash dividends to net income (ytd only)* | 54.4873% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2113% | 1,902 |
| Loan loss allowance to noncurrent loans | 491.3386% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 5,611 |
| Noncurrent loans to loans | 0.4501% | 6,009 |
| Net loans and leases to total assets | 83.0210% | 304 |
| Net loans and leases to deposits | 100.6107% | 463 |
| Net loans and leases to core deposits | 119.3785% | 435 |
| Total domestic deposits to total assets | 82.5171% | 4,981 |
| Equity capital to assets | 9.3239% | 5,110 |
| Core capital (leverage) ratio | 9.3393% | 4,192 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,565 |
| Total risk-based capital ratio | 14.7255% | 4,525 |
| Memoranda: | ||
| Average total assets | $718,234,330 | 920 |
| Average earning assets | $689,769,670 | 882 |
| Average equity | $66,481,000 | 1,011 |
| Average total loans | $612,980,330 | 697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 1,586 |
| Cost of funding earning assets | 1.4539% | 1,367 |
| Net interest margin | 3.9381% | 2,967 |
| Noninterest income to average assets | 0.4468% | 4,316 |
| Noninterest expense to average assets | 2.0193% | 6,800 |
| Loan and lease loss provision to assets | 0.4215% | 2,080 |
| Net operating income to assets | 1.7473% | 539 |
| Return on assets (ROA) | 1.7473% | 564 |
| Pretax return on assets | 1.8040% | 812 |
| Return on Equity (ROE) | 18.9481% | 402 |
| Retained earnings to average equity (ytd only) | 8.3069% | 1,614 |
| Net charge-offs to loans | -0.0085% | 6,329 |
| Credit loss provision to net charge-offs | -5,769.2308% | 6,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2130% | 7,148 |
| Assets per employee ($millions) | 5.0391% | 2,110 |
| Cash dividends to net income (ytd only)* | 56.1595% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 2,040 |
| Loan loss allowance to noncurrent loans | 269.5240% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 4,932 |
| Noncurrent loans to loans | 0.8036% | 5,426 |
| Net loans and leases to total assets | 85.5828% | 149 |
| Net loans and leases to deposits | 104.5603% | 294 |
| Net loans and leases to core deposits | 127.1154% | 305 |
| Total domestic deposits to total assets | 81.8502% | 5,366 |
| Equity capital to assets | 9.6055% | 4,306 |
| Core capital (leverage) ratio | 9.3754% | 4,007 |
| Tier 1 risk-based capital ratio | 13.2252% | 4,642 |
| Total risk-based capital ratio | 14.4921% | 4,605 |
| Memoranda: | ||
| Average total assets | $711,737,500 | 937 |
| Average earning assets | $686,419,500 | 891 |
| Average equity | $65,632,000 | 1,015 |
| Average total loans | $609,070,000 | 710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6077% | 1,864 |
| Cost of funding earning assets | 1.8170% | 1,104 |
| Net interest margin | 3.7907% | 3,984 |
| Noninterest income to average assets | 0.4831% | 4,298 |
| Noninterest expense to average assets | 2.0301% | 6,971 |
| Loan and lease loss provision to assets | 0.4416% | 3,470 |
| Net operating income to assets | 1.5729% | 655 |
| Return on assets (ROA) | 1.5729% | 717 |
| Pretax return on assets | 1.6403% | 1,052 |
| Return on Equity (ROE) | 17.6306% | 413 |
| Retained earnings to average equity (ytd only) | 9.2326% | 653 |
| Net charge-offs to loans | 0.3131% | 4,457 |
| Credit loss provision to net charge-offs | 163.6364% | 2,116 |
| Earnings coverage of net charge-offs (x) | 7.7150% | 2,077 |
| Efficiency ratio | 48.9068% | 7,209 |
| Assets per employee ($millions) | 5.1995% | 1,861 |
| Cash dividends to net income (ytd only)* | 47.6330% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 2,286 |
| Loan loss allowance to noncurrent loans | 214.6567% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 4,848 |
| Noncurrent loans to loans | 0.9342% | 5,183 |
| Net loans and leases to total assets | 82.1036% | 442 |
| Net loans and leases to deposits | 98.4232% | 686 |
| Net loans and leases to core deposits | 123.3953% | 438 |
| Total domestic deposits to total assets | 83.4189% | 4,640 |
| Equity capital to assets | 8.8596% | 5,339 |
| Core capital (leverage) ratio | 8.9219% | 4,655 |
| Tier 1 risk-based capital ratio | 12.9682% | 4,621 |
| Total risk-based capital ratio | 14.1885% | 4,620 |
| Memoranda: | ||
| Average total assets | $692,982,600 | 959 |
| Average earning assets | $663,392,400 | 923 |
| Average equity | $61,824,200 | 1,079 |
| Average total loans | $597,310,600 | 746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 1,778 |
| Cost of funding earning assets | 1.8797% | 1,088 |
| Net interest margin | 3.8007% | 3,970 |
| Noninterest income to average assets | 0.4648% | 4,454 |
| Noninterest expense to average assets | 2.0296% | 6,995 |
| Loan and lease loss provision to assets | 0.3631% | 3,716 |
| Net operating income to assets | 1.6348% | 694 |
| Return on assets (ROA) | 1.6348% | 759 |
| Pretax return on assets | 1.7030% | 1,113 |
| Return on Equity (ROE) | 18.2907% | 457 |
| Retained earnings to average equity (ytd only) | 9.1716% | 997 |
| Net charge-offs to loans | 0.1059% | 5,483 |
| Credit loss provision to net charge-offs | 394.9045% | 770 |
| Earnings coverage of net charge-offs (x) | 22.4694% | 1,093 |
| Efficiency ratio | 49.0633% | 7,205 |
| Assets per employee ($millions) | 4.9908% | 2,192 |
| Cash dividends to net income (ytd only)* | 49.8567% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0762% | 2,058 |
| Loan loss allowance to noncurrent loans | 134.5517% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 4,096 |
| Noncurrent loans to loans | 1.5431% | 4,319 |
| Net loans and leases to total assets | 84.4846% | 302 |
| Net loans and leases to deposits | 102.5056% | 506 |
| Net loans and leases to core deposits | 141.2670% | 245 |
| Total domestic deposits to total assets | 82.4195% | 4,831 |
| Equity capital to assets | 9.0912% | 5,456 |
| Core capital (leverage) ratio | 9.1699% | 4,428 |
| Tier 1 risk-based capital ratio | 13.4392% | 4,238 |
| Total risk-based capital ratio | 14.7067% | 4,183 |
| Memoranda: | ||
| Average total assets | $682,947,250 | 978 |
| Average earning assets | $652,420,500 | 935 |
| Average equity | $61,042,250 | 1,098 |
| Average total loans | $593,078,750 | 754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7041% | 1,745 |
| Cost of funding earning assets | 1.9330% | 1,098 |
| Net interest margin | 3.7711% | 4,040 |
| Noninterest income to average assets | 0.4235% | 4,724 |
| Noninterest expense to average assets | 2.0219% | 7,070 |
| Loan and lease loss provision to assets | 0.3541% | 3,594 |
| Net operating income to assets | 1.5768% | 770 |
| Return on assets (ROA) | 1.5768% | 823 |
| Pretax return on assets | 1.6385% | 1,190 |
| Return on Equity (ROE) | 17.7461% | 489 |
| Retained earnings to average equity (ytd only) | 7.1576% | 1,769 |
| Net charge-offs to loans | 0.0851% | 5,292 |
| Credit loss provision to net charge-offs | 478.0876% | 777 |
| Earnings coverage of net charge-offs (x) | 26.9004% | 992 |
| Efficiency ratio | 49.8346% | 7,234 |
| Assets per employee ($millions) | 5.0738% | 2,091 |
| Cash dividends to net income (ytd only)* | 59.6669% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 2,102 |
| Loan loss allowance to noncurrent loans | 253.8041% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 5,239 |
| Noncurrent loans to loans | 0.8024% | 5,669 |
| Net loans and leases to total assets | 85.4384% | 259 |
| Net loans and leases to deposits | 103.8737% | 490 |
| Net loans and leases to core deposits | 141.3977% | 275 |
| Total domestic deposits to total assets | 82.2522% | 4,885 |
| Equity capital to assets | 9.0283% | 5,402 |
| Core capital (leverage) ratio | 8.9930% | 4,612 |
| Tier 1 risk-based capital ratio | 12.7897% | 4,615 |
| Total risk-based capital ratio | 14.0410% | 4,584 |
| Memoranda: | ||
| Average total assets | $677,692,330 | 993 |
| Average earning assets | $645,327,330 | 951 |
| Average equity | $60,216,000 | 1,102 |
| Average total loans | $589,831,670 | 762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7108% | 1,735 |
| Cost of funding earning assets | 1.9379% | 1,293 |
| Net interest margin | 3.7728% | 3,907 |
| Noninterest income to average assets | 0.4020% | 4,902 |
| Noninterest expense to average assets | 2.0591% | 7,039 |
| Loan and lease loss provision to assets | 0.3547% | 3,248 |
| Net operating income to assets | 1.5324% | 843 |
| Return on assets (ROA) | 1.5324% | 909 |
| Pretax return on assets | 1.5815% | 1,309 |
| Return on Equity (ROE) | 17.3865% | 573 |
| Retained earnings to average equity (ytd only) | 6.6943% | 2,279 |
| Net charge-offs to loans | -0.0360% | 7,248 |
| Credit loss provision to net charge-offs | -1,132.0755% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9914% | 7,243 |
| Assets per employee ($millions) | 5.0678% | 2,146 |
| Cash dividends to net income (ytd only)* | 61.4969% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0062% | 2,168 |
| Loan loss allowance to noncurrent loans | 166.5960% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,983 |
| Noncurrent loans to loans | 1.2042% | 4,953 |
| Net loans and leases to total assets | 85.3679% | 262 |
| Net loans and leases to deposits | 103.6535% | 549 |
| Net loans and leases to core deposits | 141.5937% | 310 |
| Total domestic deposits to total assets | 82.3589% | 4,907 |
| Equity capital to assets | 8.9159% | 5,395 |
| Core capital (leverage) ratio | 8.9802% | 4,604 |
| Tier 1 risk-based capital ratio | 12.9126% | 4,399 |
| Total risk-based capital ratio | 14.1785% | 4,363 |
| Memoranda: | ||
| Average total assets | $676,592,000 | 1,017 |
| Average earning assets | $644,394,000 | 973 |
| Average equity | $59,632,500 | 1,117 |
| Average total loans | $588,264,500 | 789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8928% | 2,270 |
| Cost of funding earning assets | 2.4481% | 1,164 |
| Net interest margin | 3.4447% | 5,194 |
| Noninterest income to average assets | 0.5555% | 3,978 |
| Noninterest expense to average assets | 2.0139% | 7,354 |
| Loan and lease loss provision to assets | 0.4375% | 4,203 |
| Net operating income to assets | 1.3318% | 970 |
| Return on assets (ROA) | 1.3318% | 1,017 |
| Pretax return on assets | 1.3895% | 1,460 |
| Return on Equity (ROE) | 15.9718% | 562 |
| Retained earnings to average equity (ytd only) | 7.3668% | 852 |
| Net charge-offs to loans | 0.1433% | 5,805 |
| Credit loss provision to net charge-offs | 352.9412% | 915 |
| Earnings coverage of net charge-offs (x) | 14.7388% | 1,354 |
| Efficiency ratio | 51.8206% | 7,400 |
| Assets per employee ($millions) | 5.1065% | 2,072 |
| Cash dividends to net income (ytd only)* | 53.8765% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 2,294 |
| Loan loss allowance to noncurrent loans | 224.1088% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 5,651 |
| Noncurrent loans to loans | 0.8425% | 5,608 |
| Net loans and leases to total assets | 85.1378% | 336 |
| Net loans and leases to deposits | 106.3242% | 535 |
| Net loans and leases to core deposits | 127.9363% | 1,399 |
| Total domestic deposits to total assets | 80.0738% | 5,651 |
| Equity capital to assets | 8.7122% | 5,567 |
| Core capital (leverage) ratio | 8.9298% | 4,540 |
| Tier 1 risk-based capital ratio | 12.6180% | 4,427 |
| Total risk-based capital ratio | 13.8821% | 4,356 |
| Memoranda: | ||
| Average total assets | $685,692,800 | 1,000 |
| Average earning assets | $653,982,000 | 951 |
| Average equity | $57,175,600 | 1,156 |
| Average total loans | $593,277,600 | 801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9325% | 2,304 |
| Cost of funding earning assets | 2.5667% | 1,115 |
| Net interest margin | 3.3658% | 5,390 |
| Noninterest income to average assets | 0.5790% | 3,861 |
| Noninterest expense to average assets | 2.0271% | 7,334 |
| Loan and lease loss provision to assets | 0.3492% | 4,230 |
| Net operating income to assets | 1.3577% | 1,107 |
| Return on assets (ROA) | 1.3577% | 1,166 |
| Pretax return on assets | 1.4149% | 1,654 |
| Return on Equity (ROE) | 16.4648% | 600 |
| Retained earnings to average equity (ytd only) | 6.9115% | 1,542 |
| Net charge-offs to loans | 0.0269% | 6,503 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 75.7814% | 451 |
| Efficiency ratio | 52.8397% | 7,345 |
| Assets per employee ($millions) | 4.9880% | 2,160 |
| Cash dividends to net income (ytd only)* | 58.0225% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,186 |
| Loan loss allowance to noncurrent loans | 502.2149% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 6,592 |
| Noncurrent loans to loans | 0.3649% | 6,620 |
| Net loans and leases to total assets | 87.3561% | 245 |
| Net loans and leases to deposits | 108.9135% | 504 |
| Net loans and leases to core deposits | 133.4722% | 1,238 |
| Total domestic deposits to total assets | 80.2069% | 5,362 |
| Equity capital to assets | 8.8789% | 5,662 |
| Core capital (leverage) ratio | 8.4372% | 5,599 |
| Tier 1 risk-based capital ratio | 11.5291% | 5,402 |
| Total risk-based capital ratio | 12.7902% | 5,342 |
| Memoranda: | ||
| Average total assets | $687,326,000 | 1,011 |
| Average earning assets | $655,964,000 | 954 |
| Average equity | $56,677,000 | 1,183 |
| Average total loans | $594,259,750 | 815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 2,814 |
| Cost of funding earning assets | 2.6074% | 1,263 |
| Net interest margin | 3.2410% | 5,767 |
| Noninterest income to average assets | 0.5534% | 4,011 |
| Noninterest expense to average assets | 1.9473% | 7,557 |
| Loan and lease loss provision to assets | 0.3435% | 3,872 |
| Net operating income to assets | 1.3046% | 1,220 |
| Return on assets (ROA) | 1.3046% | 1,298 |
| Pretax return on assets | 1.3570% | 1,844 |
| Return on Equity (ROE) | 16.2083% | 669 |
| Retained earnings to average equity (ytd only) | 4.8266% | 2,614 |
| Net charge-offs to loans | 0.0251% | 6,134 |
| Credit loss provision to net charge-offs | 1,600.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 79.2000% | 482 |
| Efficiency ratio | 52.7390% | 7,458 |
| Assets per employee ($millions) | 5.2236% | 1,838 |
| Cash dividends to net income (ytd only)* | 70.2216% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 2,351 |
| Loan loss allowance to noncurrent loans | 1,004.2744% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,889 |
| Noncurrent loans to loans | 0.1693% | 7,098 |
| Net loans and leases to total assets | 84.7354% | 534 |
| Net loans and leases to deposits | 102.3027% | 1,054 |
| Net loans and leases to core deposits | 119.9627% | 2,376 |
| Total domestic deposits to total assets | 82.8281% | 4,316 |
| Equity capital to assets | 8.1986% | 6,493 |
| Core capital (leverage) ratio | 7.9945% | 6,342 |
| Tier 1 risk-based capital ratio | 11.1031% | 5,773 |
| Total risk-based capital ratio | 12.3625% | 5,683 |
| Memoranda: | ||
| Average total assets | $698,625,000 | 1,009 |
| Average earning assets | $667,015,670 | 957 |
| Average equity | $56,230,330 | 1,201 |
| Average total loans | $598,524,000 | 825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 2,983 |
| Cost of funding earning assets | 2.6604% | 1,372 |
| Net interest margin | 3.2006% | 5,856 |
| Noninterest income to average assets | 0.5063% | 4,271 |
| Noninterest expense to average assets | 1.8977% | 7,548 |
| Loan and lease loss provision to assets | 0.3413% | 3,281 |
| Net operating income to assets | 1.2805% | 1,432 |
| Return on assets (ROA) | 1.2805% | 1,532 |
| Pretax return on assets | 1.3243% | 2,199 |
| Return on Equity (ROE) | 16.0556% | 814 |
| Retained earnings to average equity (ytd only) | 10.0071% | 1,196 |
| Net charge-offs to loans | -0.0127% | 7,329 |
| Credit loss provision to net charge-offs | -3,157.8947% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6181% | 7,353 |
| Assets per employee ($millions) | 5.6114% | 1,462 |
| Cash dividends to net income (ytd only)* | 37.6721% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,464 |
| Loan loss allowance to noncurrent loans | 984.2051% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,822 |
| Noncurrent loans to loans | 0.1639% | 7,059 |
| Net loans and leases to total assets | 84.0931% | 675 |
| Net loans and leases to deposits | 101.5503% | 1,224 |
| Net loans and leases to core deposits | 118.3058% | 2,571 |
| Total domestic deposits to total assets | 82.8093% | 4,239 |
| Equity capital to assets | 8.1469% | 6,603 |
| Core capital (leverage) ratio | 8.0178% | 6,416 |
| Tier 1 risk-based capital ratio | 11.1749% | 5,725 |
| Total risk-based capital ratio | 12.4332% | 5,633 |
| Memoranda: | ||
| Average total assets | $703,179,000 | 1,002 |
| Average earning assets | $671,616,500 | 948 |
| Average equity | $56,080,000 | 1,210 |
| Average total loans | $600,602,000 | 823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4019% | 3,412 |
| Cost of funding earning assets | 3.0725% | 1,594 |
| Net interest margin | 3.3294% | 5,932 |
| Noninterest income to average assets | 0.7147% | 3,028 |
| Noninterest expense to average assets | 1.9272% | 7,571 |
| Loan and lease loss provision to assets | 0.4218% | 3,171 |
| Net operating income to assets | 1.4968% | 1,022 |
| Return on assets (ROA) | 1.5751% | 846 |
| Pretax return on assets | 1.6078% | 1,363 |
| Return on Equity (ROE) | 19.9375% | 378 |
| Retained earnings to average equity (ytd only) | 10.6793% | 365 |
| Net charge-offs to loans | 0.1368% | 4,854 |
| Credit loss provision to net charge-offs | 353.1250% | 1,274 |
| Earnings coverage of net charge-offs (x) | 16.3238% | 1,850 |
| Efficiency ratio | 49.1431% | 7,723 |
| Assets per employee ($millions) | 5.4240% | 1,517 |
| Cash dividends to net income (ytd only)* | 46.4360% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,789 |
| Loan loss allowance to noncurrent loans | 738.2401% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 6,515 |
| Noncurrent loans to loans | 0.2005% | 6,785 |
| Net loans and leases to total assets | 84.0904% | 872 |
| Net loans and leases to deposits | 100.8597% | 1,734 |
| Net loans and leases to core deposits | 114.4658% | 3,283 |
| Total domestic deposits to total assets | 83.3736% | 3,625 |
| Equity capital to assets | 7.8071% | 7,086 |
| Core capital (leverage) ratio | 8.0390% | 6,425 |
| Tier 1 risk-based capital ratio | 11.0047% | 5,722 |
| Total risk-based capital ratio | 12.2615% | 5,616 |
| Memoranda: | ||
| Average total assets | $669,789,200 | 995 |
| Average earning assets | $636,153,000 | 957 |
| Average equity | $52,915,400 | 1,276 |
| Average total loans | $584,787,200 | 820 |