Home > NBC OKLAHOMA > Performance and Condition Ratios
NBC OKLAHOMA, 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 | 5.9369% | 687 |
| Cost of funding earning assets | 2.1669% | 683 |
| Net interest margin | 3.7699% | 1,611 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.6665% | 1,828 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9851% | 2,267 |
| Return on assets (ROA) | 1.0011% | 2,202 |
| Pretax return on assets | 1.0011% | 2,687 |
| Return on Equity (ROE) | 15.7500% | 1,148 |
| Retained earnings to average equity (ytd only) | 14.0077% | 400 |
| Net charge-offs to loans | 0.0551% | 1,308 |
| Credit loss provision to net charge-offs | 308.2840% | 940 |
| Earnings coverage of net charge-offs (x) | 29.7840% | 1,640 |
| Efficiency ratio | 70.4919% | 1,815 |
| Assets per employee ($millions) | 6.9692% | 2,094 |
| Cash dividends to net income (ytd only)* | 11.0754% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 2,905 |
| Loan loss allowance to noncurrent loans | 225.5071% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,613 |
| Noncurrent loans to loans | 0.4820% | 1,579 |
| Net loans and leases to total assets | 68.6400% | 1,960 |
| Net loans and leases to deposits | 75.9371% | 2,455 |
| Net loans and leases to core deposits | 85.7699% | 2,320 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 7.2006% | 3,860 |
| Core capital (leverage) ratio | 8.7767% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6914% | 2,340 |
| Memoranda: | ||
| Average total assets | $901,906,400 | 1,080 |
| Average earning assets | $850,279,200 | 1,056 |
| Average equity | $57,318,400 | 1,437 |
| Average total loans | $613,957,200 | 1,076 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 664 |
| Cost of funding earning assets | 2.0402% | 660 |
| Net interest margin | 3.7801% | 1,643 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.7213% | 1,602 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9337% | 2,570 |
| Return on assets (ROA) | 0.9550% | 2,488 |
| Pretax return on assets | 0.9550% | 2,970 |
| Return on Equity (ROE) | 15.5400% | 1,335 |
| Retained earnings to average equity (ytd only) | 13.1373% | 793 |
| Net charge-offs to loans | 0.0249% | 1,583 |
| Credit loss provision to net charge-offs | 666.6667% | 526 |
| Earnings coverage of net charge-offs (x) | 63.3421% | 1,172 |
| Efficiency ratio | 71.8414% | 1,589 |
| Assets per employee ($millions) | 7.2461% | 1,791 |
| Cash dividends to net income (ytd only)* | 15.4679% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 2,792 |
| Loan loss allowance to noncurrent loans | 420.4503% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,398 |
| Noncurrent loans to loans | 0.2650% | 2,287 |
| Net loans and leases to total assets | 66.4200% | 2,208 |
| Net loans and leases to deposits | 72.8754% | 2,655 |
| Net loans and leases to core deposits | 82.4284% | 2,442 |
| Total domestic deposits to total assets | 91.1400% | 637 |
| Equity capital to assets | 6.2983% | 3,896 |
| Core capital (leverage) ratio | 8.4851% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6408% | 2,410 |
| Memoranda: | ||
| Average total assets | $902,627,000 | 1,085 |
| Average earning assets | $850,354,000 | 1,056 |
| Average equity | $55,464,250 | 1,468 |
| Average total loans | $611,480,500 | 1,078 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 679 |
| Cost of funding earning assets | 1.8722% | 645 |
| Net interest margin | 3.7841% | 1,657 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7912% | 1,433 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.8600% | 2,891 |
| Return on assets (ROA) | 0.8783% | 2,819 |
| Pretax return on assets | 0.8783% | 3,221 |
| Return on Equity (ROE) | 14.4100% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.7826% | 1,227 |
| Net charge-offs to loans | 0.0388% | 1,137 |
| Credit loss provision to net charge-offs | 504.2017% | 645 |
| Earnings coverage of net charge-offs (x) | 37.7059% | 1,432 |
| Efficiency ratio | 73.7648% | 1,373 |
| Assets per employee ($millions) | 6.9801% | 1,940 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,143 |
| Loan loss allowance to noncurrent loans | 402.0846% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,286 |
| Noncurrent loans to loans | 0.2634% | 2,217 |
| Net loans and leases to total assets | 67.5100% | 2,007 |
| Net loans and leases to deposits | 73.9926% | 2,493 |
| Net loans and leases to core deposits | 81.8167% | 2,349 |
| Total domestic deposits to total assets | 91.2400% | 573 |
| Equity capital to assets | 6.3104% | 4,061 |
| Core capital (leverage) ratio | 8.2766% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9460% | 2,641 |
| Memoranda: | ||
| Average total assets | $903,998,333 | 1,077 |
| Average earning assets | $855,048,000 | 1,045 |
| Average equity | $55,088,667 | 1,478 |
| Average total loans | $614,146,667 | 1,061 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6036% | 520 |
| Cost of funding earning assets | 1.6923% | 587 |
| Net interest margin | 3.9113% | 1,462 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.9698% | 1,113 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.7860% | 3,238 |
| Return on assets (ROA) | 0.8228% | 3,073 |
| Pretax return on assets | 0.8228% | 3,414 |
| Return on Equity (ROE) | 13.7500% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.3404% | 2,674 |
| Net charge-offs to loans | -0.0007% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.3680% | 1,145 |
| Assets per employee ($millions) | 7.0516% | 1,940 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,373 |
| Loan loss allowance to noncurrent loans | 854.9598% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 2,960 |
| Noncurrent loans to loans | 0.1208% | 2,910 |
| Net loans and leases to total assets | 67.1800% | 1,929 |
| Net loans and leases to deposits | 73.3344% | 2,355 |
| Net loans and leases to core deposits | 79.9478% | 2,256 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 6.0502% | 4,183 |
| Core capital (leverage) ratio | 7.9402% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7379% | 2,805 |
| Memoranda: | ||
| Average total assets | $902,291,500 | 1,094 |
| Average earning assets | $852,805,500 | 1,068 |
| Average equity | $54,002,500 | 1,514 |
| Average total loans | $611,627,000 | 1,074 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 2,265 |
| Cost of funding earning assets | 0.5983% | 909 |
| Net interest margin | 3.2066% | 2,854 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6290% | 1,738 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8106% | 3,290 |
| Return on assets (ROA) | 0.8203% | 3,189 |
| Pretax return on assets | 0.8366% | 3,526 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.2280% | 2,562 |
| Net charge-offs to loans | 0.1551% | 534 |
| Credit loss provision to net charge-offs | 57.0776% | 1,793 |
| Earnings coverage of net charge-offs (x) | 8.9053% | 2,245 |
| Efficiency ratio | 74.8509% | 1,134 |
| Assets per employee ($millions) | 6.9374% | 2,017 |
| Cash dividends to net income (ytd only)* | 51.4219% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,360 |
| Loan loss allowance to noncurrent loans | 84.7226% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 587 |
| Noncurrent loans to loans | 1.1843% | 596 |
| Net loans and leases to total assets | 67.0100% | 1,930 |
| Net loans and leases to deposits | 72.9797% | 2,329 |
| Net loans and leases to core deposits | 79.4005% | 2,171 |
| Total domestic deposits to total assets | 91.8200% | 683 |
| Equity capital to assets | 5.9188% | 4,120 |
| Core capital (leverage) ratio | 7.9155% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6618% | 2,821 |
| Memoranda: | ||
| Average total assets | $883,142,400 | 1,093 |
| Average earning assets | $837,191,000 | 1,069 |
| Average equity | $56,502,600 | 1,469 |
| Average total loans | $564,924,000 | 1,082 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 2,478 |
| Cost of funding earning assets | 0.3954% | 1,322 |
| Net interest margin | 3.1492% | 2,779 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6168% | 1,677 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7390% | 3,451 |
| Return on assets (ROA) | 0.7483% | 3,369 |
| Pretax return on assets | 0.7701% | 3,651 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 2.8183% | 3,825 |
| Net charge-offs to loans | -0.0272% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7062% | 1,019 |
| Assets per employee ($millions) | 6.9925% | 1,946 |
| Cash dividends to net income (ytd only)* | 75.4453% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 2,568 |
| Loan loss allowance to noncurrent loans | 288.8983% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 1,917 |
| Noncurrent loans to loans | 0.4128% | 1,782 |
| Net loans and leases to total assets | 61.9000% | 2,303 |
| Net loans and leases to deposits | 67.0017% | 2,631 |
| Net loans and leases to core deposits | 72.3566% | 2,462 |
| Total domestic deposits to total assets | 92.3900% | 748 |
| Equity capital to assets | 5.2546% | 4,205 |
| Core capital (leverage) ratio | 7.6319% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1175% | 2,784 |
| Memoranda: | ||
| Average total assets | $880,196,000 | 1,102 |
| Average earning assets | $835,860,750 | 1,073 |
| Average equity | $57,386,000 | 1,464 |
| Average total loans | $554,709,000 | 1,091 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 2,294 |
| Cost of funding earning assets | 0.2601% | 2,140 |
| Net interest margin | 3.1909% | 2,219 |
| Noninterest income to average assets | 0.3329% | 3,164 |
| Noninterest expense to average assets | 2.5989% | 1,638 |
| Loan and lease loss provision to assets | 0.0345% | 1,957 |
| Net operating income to assets | 0.7187% | 3,246 |
| Return on assets (ROA) | 0.7331% | 3,158 |
| Pretax return on assets | 0.7441% | 3,467 |
| Return on Equity (ROE) | 10.5326% | 2,157 |
| Retained earnings to average equity (ytd only) | 1.2906% | 3,927 |
| Net charge-offs to loans | -0.0182% | 3,826 |
| Credit loss provision to net charge-offs | -300.0000% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2799% | 1,147 |
| Assets per employee ($millions) | 6.7892% | 2,080 |
| Cash dividends to net income (ytd only)* | 87.7468% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,624 |
| Loan loss allowance to noncurrent loans | 547.2039% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 2,682 |
| Noncurrent loans to loans | 0.2217% | 2,615 |
| Net loans and leases to total assets | 60.9138% | 2,227 |
| Net loans and leases to deposits | 66.2263% | 2,528 |
| Net loans and leases to core deposits | 71.3451% | 2,387 |
| Total domestic deposits to total assets | 91.9781% | 842 |
| Equity capital to assets | 5.6871% | 4,305 |
| Core capital (leverage) ratio | 7.7216% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3473% | 2,718 |
| Memoranda: | ||
| Average total assets | $870,586,000 | 1,111 |
| Average earning assets | $826,715,333 | 1,084 |
| Average equity | $60,592,667 | 1,427 |
| Average total loans | $549,774,000 | 1,090 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 2,032 |
| Cost of funding earning assets | 0.2157% | 2,587 |
| Net interest margin | 3.2035% | 1,870 |
| Noninterest income to average assets | 0.2499% | 3,648 |
| Noninterest expense to average assets | 2.5825% | 1,659 |
| Loan and lease loss provision to assets | 0.0348% | 1,741 |
| Net operating income to assets | 0.6753% | 3,142 |
| Return on assets (ROA) | 0.7046% | 3,033 |
| Pretax return on assets | 0.7046% | 3,380 |
| Return on Equity (ROE) | 9.2501% | 2,229 |
| Retained earnings to average equity (ytd only) | 4.6769% | 2,714 |
| Net charge-offs to loans | -0.0560% | 4,295 |
| Credit loss provision to net charge-offs | -97.4026% | 2,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4314% | 1,277 |
| Assets per employee ($millions) | 6.7301% | 2,200 |
| Cash dividends to net income (ytd only)* | 49.4397% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,817 |
| Loan loss allowance to noncurrent loans | 178.5405% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 1,411 |
| Noncurrent loans to loans | 0.6765% | 1,405 |
| Net loans and leases to total assets | 61.2846% | 1,934 |
| Net loans and leases to deposits | 67.6294% | 2,192 |
| Net loans and leases to core deposits | 72.6312% | 2,058 |
| Total domestic deposits to total assets | 90.6183% | 1,236 |
| Equity capital to assets | 7.0804% | 4,173 |
| Core capital (leverage) ratio | 7.8943% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4977% | 2,777 |
| Memoranda: | ||
| Average total assets | $861,188,000 | 1,126 |
| Average earning assets | $817,973,000 | 1,101 |
| Average equity | $65,599,000 | 1,395 |
| Average total loans | $550,456,000 | 1,079 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 1,705 |
| Cost of funding earning assets | 0.2476% | 2,959 |
| Net interest margin | 3.6213% | 1,403 |
| Noninterest income to average assets | 0.3195% | 3,495 |
| Noninterest expense to average assets | 2.7462% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9779% | 2,761 |
| Return on assets (ROA) | 0.9291% | 3,008 |
| Pretax return on assets | 0.9291% | 3,425 |
| Return on Equity (ROE) | 11.1289% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.3474% | 2,203 |
| Net charge-offs to loans | 0.0642% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 22.2699% | 1,800 |
| Efficiency ratio | 73.7422% | 1,335 |
| Assets per employee ($millions) | 6.3692% | 2,434 |
| Cash dividends to net income (ytd only)* | 42.9646% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,055 |
| Loan loss allowance to noncurrent loans | 162.6512% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,377 |
| Noncurrent loans to loans | 0.7163% | 1,419 |
| Net loans and leases to total assets | 65.1265% | 1,564 |
| Net loans and leases to deposits | 72.8312% | 1,828 |
| Net loans and leases to core deposits | 78.2085% | 1,739 |
| Total domestic deposits to total assets | 89.4213% | 1,284 |
| Equity capital to assets | 8.1802% | 4,248 |
| Core capital (leverage) ratio | 8.2161% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3766% | 2,805 |
| Memoranda: | ||
| Average total assets | $801,639,400 | 1,159 |
| Average earning assets | $753,674,400 | 1,145 |
| Average equity | $66,925,000 | 1,396 |
| Average total loans | $547,988,000 | 1,088 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 1,678 |
| Cost of funding earning assets | 0.2555% | 3,067 |
| Net interest margin | 3.6775% | 1,391 |
| Noninterest income to average assets | 0.3347% | 3,430 |
| Noninterest expense to average assets | 2.7497% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0331% | 2,794 |
| Return on assets (ROA) | 0.9707% | 3,097 |
| Pretax return on assets | 0.9707% | 3,542 |
| Return on Equity (ROE) | 11.5651% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.1456% | 3,161 |
| Net charge-offs to loans | 0.0710% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.0859% | 1,713 |
| Efficiency ratio | 72.6888% | 1,342 |
| Assets per employee ($millions) | 5.9322% | 2,759 |
| Cash dividends to net income (ytd only)* | 55.5074% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,001 |
| Loan loss allowance to noncurrent loans | 146.7012% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 1,337 |
| Noncurrent loans to loans | 0.8164% | 1,396 |
| Net loans and leases to total assets | 66.6196% | 1,475 |
| Net loans and leases to deposits | 74.9636% | 1,767 |
| Net loans and leases to core deposits | 80.4981% | 1,693 |
| Total domestic deposits to total assets | 88.8693% | 1,361 |
| Equity capital to assets | 8.4058% | 4,268 |
| Core capital (leverage) ratio | 8.1984% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5127% | 2,861 |
| Memoranda: | ||
| Average total assets | $791,865,750 | 1,179 |
| Average earning assets | $742,471,250 | 1,170 |
| Average equity | $66,462,750 | 1,420 |
| Average total loans | $546,486,250 | 1,110 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 1,699 |
| Cost of funding earning assets | 0.2650% | 3,132 |
| Net interest margin | 3.6802% | 1,395 |
| Noninterest income to average assets | 0.3472% | 3,373 |
| Noninterest expense to average assets | 2.7429% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0451% | 2,739 |
| Return on assets (ROA) | 1.0121% | 2,935 |
| Pretax return on assets | 1.0121% | 3,416 |
| Return on Equity (ROE) | 12.0645% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.7020% | 2,920 |
| Net charge-offs to loans | -0.0004% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4101% | 1,391 |
| Assets per employee ($millions) | 5.9119% | 2,704 |
| Cash dividends to net income (ytd only)* | 52.7373% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,691 |
| Loan loss allowance to noncurrent loans | 162.2021% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 1,503 |
| Noncurrent loans to loans | 0.7688% | 1,564 |
| Net loans and leases to total assets | 68.0335% | 1,440 |
| Net loans and leases to deposits | 76.6969% | 1,754 |
| Net loans and leases to core deposits | 82.8127% | 1,653 |
| Total domestic deposits to total assets | 88.7043% | 1,452 |
| Equity capital to assets | 8.5069% | 4,197 |
| Core capital (leverage) ratio | 8.0391% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8102% | 2,773 |
| Memoranda: | ||
| Average total assets | $786,896,000 | 1,178 |
| Average earning assets | $735,714,000 | 1,170 |
| Average equity | $66,011,667 | 1,417 |
| Average total loans | $547,320,000 | 1,113 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 1,731 |
| Cost of funding earning assets | 0.2742% | 3,231 |
| Net interest margin | 3.6624% | 1,424 |
| Noninterest income to average assets | 0.3382% | 3,411 |
| Noninterest expense to average assets | 2.6981% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0532% | 2,624 |
| Return on assets (ROA) | 1.0277% | 2,797 |
| Pretax return on assets | 1.0277% | 3,297 |
| Return on Equity (ROE) | 12.3389% | 1,889 |
| Retained earnings to average equity (ytd only) | 7.1339% | 2,536 |
| Net charge-offs to loans | 0.0248% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 60.7353% | 817 |
| Efficiency ratio | 71.9239% | 1,502 |
| Assets per employee ($millions) | 6.1879% | 2,420 |
| Cash dividends to net income (ytd only)* | 42.1836% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,853 |
| Loan loss allowance to noncurrent loans | 124.0066% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 1,315 |
| Noncurrent loans to loans | 0.9798% | 1,381 |
| Net loans and leases to total assets | 68.4462% | 1,470 |
| Net loans and leases to deposits | 76.7765% | 1,823 |
| Net loans and leases to core deposits | 82.7485% | 1,777 |
| Total domestic deposits to total assets | 89.1498% | 1,267 |
| Equity capital to assets | 8.1092% | 4,427 |
| Core capital (leverage) ratio | 8.2229% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0290% | 2,653 |
| Memoranda: | ||
| Average total assets | $784,249,500 | 1,165 |
| Average earning assets | $730,895,000 | 1,167 |
| Average equity | $65,322,000 | 1,423 |
| Average total loans | $548,100,000 | 1,113 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,243 |
| Cost of funding earning assets | 0.4988% | 2,956 |
| Net interest margin | 3.6668% | 1,922 |
| Noninterest income to average assets | 0.3365% | 3,449 |
| Noninterest expense to average assets | 2.8848% | 1,726 |
| Loan and lease loss provision to assets | 0.1257% | 2,788 |
| Net operating income to assets | 0.7251% | 3,348 |
| Return on assets (ROA) | 1.0511% | 2,240 |
| Pretax return on assets | 1.0879% | 2,747 |
| Return on Equity (ROE) | 12.2916% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.0137% | 1,392 |
| Net charge-offs to loans | 0.0144% | 2,836 |
| Credit loss provision to net charge-offs | 1,169.2308% | 696 |
| Earnings coverage of net charge-offs (x) | 81.6282% | 885 |
| Efficiency ratio | 76.6768% | 1,155 |
| Assets per employee ($millions) | 5.7885% | 2,551 |
| Cash dividends to net income (ytd only)* | 42.9396% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,601 |
| Loan loss allowance to noncurrent loans | 123.9709% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 1,342 |
| Noncurrent loans to loans | 1.0189% | 1,394 |
| Net loans and leases to total assets | 69.6299% | 1,607 |
| Net loans and leases to deposits | 78.4942% | 2,023 |
| Net loans and leases to core deposits | 85.1660% | 1,937 |
| Total domestic deposits to total assets | 88.7070% | 1,120 |
| Equity capital to assets | 8.5609% | 4,402 |
| Core capital (leverage) ratio | 8.3535% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0313% | 2,618 |
| Memoranda: | ||
| Average total assets | $725,601,200 | 1,142 |
| Average earning assets | $677,893,200 | 1,136 |
| Average equity | $62,050,400 | 1,411 |
| Average total loans | $541,994,000 | 1,070 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,235 |
| Cost of funding earning assets | 0.5568% | 2,887 |
| Net interest margin | 3.6980% | 1,952 |
| Noninterest income to average assets | 0.3283% | 3,520 |
| Noninterest expense to average assets | 2.8804% | 1,746 |
| Loan and lease loss provision to assets | 0.1698% | 2,298 |
| Net operating income to assets | 0.7109% | 3,427 |
| Return on assets (ROA) | 1.1469% | 1,946 |
| Pretax return on assets | 1.1966% | 2,401 |
| Return on Equity (ROE) | 13.4158% | 998 |
| Retained earnings to average equity (ytd only) | 6.2820% | 1,983 |
| Net charge-offs to loans | 0.0147% | 2,594 |
| Credit loss provision to net charge-offs | 1,520.0000% | 611 |
| Earnings coverage of net charge-offs (x) | 81.6500% | 912 |
| Efficiency ratio | 75.9464% | 1,209 |
| Assets per employee ($millions) | 5.7257% | 2,521 |
| Cash dividends to net income (ytd only)* | 53.1742% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,524 |
| Loan loss allowance to noncurrent loans | 138.6992% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,514 |
| Noncurrent loans to loans | 0.8847% | 1,692 |
| Net loans and leases to total assets | 73.2318% | 1,467 |
| Net loans and leases to deposits | 83.0858% | 2,008 |
| Net loans and leases to core deposits | 90.4501% | 1,934 |
| Total domestic deposits to total assets | 88.1400% | 1,154 |
| Equity capital to assets | 8.4233% | 4,502 |
| Core capital (leverage) ratio | 8.2832% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6686% | 2,737 |
| Memoranda: | ||
| Average total assets | $715,982,250 | 1,140 |
| Average earning assets | $670,766,250 | 1,127 |
| Average equity | $61,210,000 | 1,413 |
| Average total loans | $542,784,500 | 1,058 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,387 |
| Cost of funding earning assets | 0.6520% | 2,685 |
| Net interest margin | 3.6816% | 2,237 |
| Noninterest income to average assets | 0.3080% | 3,614 |
| Noninterest expense to average assets | 2.8577% | 1,954 |
| Loan and lease loss provision to assets | 0.2058% | 1,996 |
| Net operating income to assets | 0.6293% | 3,642 |
| Return on assets (ROA) | 0.7099% | 3,474 |
| Pretax return on assets | 0.7840% | 3,637 |
| Return on Equity (ROE) | 8.2605% | 2,643 |
| Retained earnings to average equity (ytd only) | 0.5813% | 4,193 |
| Net charge-offs to loans | 0.0197% | 2,333 |
| Credit loss provision to net charge-offs | 1,367.9245% | 644 |
| Earnings coverage of net charge-offs (x) | 59.9057% | 966 |
| Efficiency ratio | 76.0251% | 1,262 |
| Assets per employee ($millions) | 5.4912% | 2,646 |
| Cash dividends to net income (ytd only)* | 92.9628% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,538 |
| Loan loss allowance to noncurrent loans | 144.4130% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 1,836 |
| Noncurrent loans to loans | 0.8281% | 1,843 |
| Net loans and leases to total assets | 74.0332% | 1,407 |
| Net loans and leases to deposits | 83.9555% | 2,002 |
| Net loans and leases to core deposits | 90.7957% | 2,005 |
| Total domestic deposits to total assets | 88.1814% | 1,093 |
| Equity capital to assets | 8.3643% | 4,555 |
| Core capital (leverage) ratio | 8.0946% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0124% | 2,963 |
| Memoranda: | ||
| Average total assets | $704,621,333 | 1,135 |
| Average earning assets | $660,468,667 | 1,124 |
| Average equity | $60,553,333 | 1,420 |
| Average total loans | $538,342,667 | 1,054 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,321 |
| Cost of funding earning assets | 0.8416% | 2,159 |
| Net interest margin | 3.6534% | 2,494 |
| Noninterest income to average assets | 0.3509% | 3,421 |
| Noninterest expense to average assets | 2.9213% | 2,069 |
| Loan and lease loss provision to assets | 0.1090% | 2,315 |
| Net operating income to assets | 0.7201% | 3,203 |
| Return on assets (ROA) | 0.7268% | 3,265 |
| Pretax return on assets | 0.7560% | 3,534 |
| Return on Equity (ROE) | 8.3373% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.3315% | 1,764 |
| Net charge-offs to loans | 0.0121% | 2,150 |
| Credit loss provision to net charge-offs | 1,168.7500% | 512 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 614 |
| Efficiency ratio | 77.2980% | 1,424 |
| Assets per employee ($millions) | 5.2530% | 2,371 |
| Cash dividends to net income (ytd only)* | 24.0577% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,875 |
| Loan loss allowance to noncurrent loans | 125.1885% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 1,762 |
| Noncurrent loans to loans | 0.9271% | 1,773 |
| Net loans and leases to total assets | 76.0259% | 1,300 |
| Net loans and leases to deposits | 86.1626% | 1,974 |
| Net loans and leases to core deposits | 94.3112% | 1,942 |
| Total domestic deposits to total assets | 88.2354% | 1,001 |
| Equity capital to assets | 8.6334% | 4,778 |
| Core capital (leverage) ratio | 8.5633% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0080% | 3,100 |
| Memoranda: | ||
| Average total assets | $686,278,500 | 1,135 |
| Average earning assets | $644,008,500 | 1,121 |
| Average equity | $59,827,500 | 1,424 |
| Average total loans | $529,786,000 | 1,047 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,769 |
| Cost of funding earning assets | 1.0788% | 1,408 |
| Net interest margin | 3.8145% | 2,456 |
| Noninterest income to average assets | 0.5445% | 2,516 |
| Noninterest expense to average assets | 2.9973% | 2,026 |
| Loan and lease loss provision to assets | 0.1206% | 1,760 |
| Net operating income to assets | 0.9984% | 2,856 |
| Return on assets (ROA) | 1.0076% | 2,911 |
| Pretax return on assets | 1.0076% | 3,448 |
| Return on Equity (ROE) | 12.1716% | 1,447 |
| Retained earnings to average equity (ytd only) | 6.1465% | 1,795 |
| Net charge-offs to loans | 0.2052% | 999 |
| Credit loss provision to net charge-offs | 77.1350% | 2,832 |
| Earnings coverage of net charge-offs (x) | 7.1589% | 2,899 |
| Efficiency ratio | 72.8163% | 1,754 |
| Assets per employee ($millions) | 5.1850% | 2,352 |
| Cash dividends to net income (ytd only)* | 49.5014% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 2,803 |
| Loan loss allowance to noncurrent loans | 127.7706% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,762 |
| Noncurrent loans to loans | 0.8815% | 1,740 |
| Net loans and leases to total assets | 76.6042% | 1,309 |
| Net loans and leases to deposits | 87.0689% | 1,962 |
| Net loans and leases to core deposits | 95.2411% | 1,964 |
| Total domestic deposits to total assets | 87.9811% | 1,134 |
| Equity capital to assets | 8.8024% | 4,785 |
| Core capital (leverage) ratio | 8.5635% | 4,807 |
| Tier 1 risk-based capital ratio | 10.7661% | 4,941 |
| Total risk-based capital ratio | 11.8609% | 4,911 |
| Memoranda: | ||
| Average total assets | $696,734,000 | 1,073 |
| Average earning assets | $652,381,400 | 1,059 |
| Average equity | $57,675,200 | 1,406 |
| Average total loans | $530,585,800 | 1,020 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 1,596 |
| Cost of funding earning assets | 1.1189% | 1,277 |
| Net interest margin | 3.8601% | 2,403 |
| Noninterest income to average assets | 0.5996% | 2,205 |
| Noninterest expense to average assets | 2.8534% | 2,400 |
| Loan and lease loss provision to assets | 0.1200% | 1,632 |
| Net operating income to assets | 1.2359% | 2,077 |
| Return on assets (ROA) | 1.2481% | 2,102 |
| Pretax return on assets | 1.2481% | 2,824 |
| Return on Equity (ROE) | 15.3148% | 712 |
| Retained earnings to average equity (ytd only) | 7.1910% | 1,763 |
| Net charge-offs to loans | 0.1648% | 1,025 |
| Credit loss provision to net charge-offs | 96.0366% | 2,329 |
| Earnings coverage of net charge-offs (x) | 10.8491% | 2,472 |
| Efficiency ratio | 67.7876% | 2,455 |
| Assets per employee ($millions) | 5.1641% | 2,380 |
| Cash dividends to net income (ytd only)* | 53.0454% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,560 |
| Loan loss allowance to noncurrent loans | 213.1452% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 2,444 |
| Noncurrent loans to loans | 0.5580% | 2,620 |
| Net loans and leases to total assets | 76.0706% | 1,468 |
| Net loans and leases to deposits | 86.6614% | 2,111 |
| Net loans and leases to core deposits | 94.5884% | 2,125 |
| Total domestic deposits to total assets | 87.7791% | 1,135 |
| Equity capital to assets | 8.8142% | 4,870 |
| Core capital (leverage) ratio | 8.4258% | 4,975 |
| Tier 1 risk-based capital ratio | 10.8322% | 4,978 |
| Total risk-based capital ratio | 11.9845% | 4,918 |
| Memoranda: | ||
| Average total assets | $699,814,000 | 1,071 |
| Average earning assets | $654,444,500 | 1,056 |
| Average equity | $57,032,750 | 1,421 |
| Average total loans | $530,666,750 | 1,014 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,579 |
| Cost of funding earning assets | 1.1159% | 1,237 |
| Net interest margin | 3.8474% | 2,417 |
| Noninterest income to average assets | 0.6541% | 1,900 |
| Noninterest expense to average assets | 2.8341% | 2,471 |
| Loan and lease loss provision to assets | 0.1187% | 1,574 |
| Net operating income to assets | 1.3030% | 1,758 |
| Return on assets (ROA) | 1.3211% | 1,754 |
| Pretax return on assets | 1.3211% | 2,474 |
| Return on Equity (ROE) | 16.6430% | 504 |
| Retained earnings to average equity (ytd only) | 7.4741% | 1,614 |
| Net charge-offs to loans | 0.1996% | 825 |
| Credit loss provision to net charge-offs | 78.7992% | 2,234 |
| Earnings coverage of net charge-offs (x) | 9.4371% | 2,339 |
| Efficiency ratio | 66.5936% | 2,732 |
| Assets per employee ($millions) | 5.3099% | 2,141 |
| Cash dividends to net income (ytd only)* | 55.0920% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,630 |
| Loan loss allowance to noncurrent loans | 177.8619% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,263 |
| Noncurrent loans to loans | 0.6629% | 2,300 |
| Net loans and leases to total assets | 73.0164% | 2,055 |
| Net loans and leases to deposits | 87.1494% | 2,113 |
| Net loans and leases to core deposits | 94.5938% | 2,192 |
| Total domestic deposits to total assets | 83.7829% | 2,955 |
| Equity capital to assets | 8.2899% | 5,123 |
| Core capital (leverage) ratio | 8.2982% | 5,058 |
| Tier 1 risk-based capital ratio | 10.8275% | 4,980 |
| Total risk-based capital ratio | 11.9829% | 4,942 |
| Memoranda: | ||
| Average total assets | $707,586,000 | 1,064 |
| Average earning assets | $662,426,000 | 1,050 |
| Average equity | $56,167,670 | 1,428 |
| Average total loans | $533,952,330 | 1,007 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 1,179 |
| Cost of funding earning assets | 1.1135% | 1,143 |
| Net interest margin | 3.9509% | 2,017 |
| Noninterest income to average assets | 0.8164% | 1,246 |
| Noninterest expense to average assets | 2.8594% | 2,388 |
| Loan and lease loss provision to assets | 0.1182% | 1,486 |
| Net operating income to assets | 1.5282% | 1,056 |
| Return on assets (ROA) | 1.5282% | 1,079 |
| Pretax return on assets | 1.5282% | 1,683 |
| Return on Equity (ROE) | 19.6815% | 284 |
| Retained earnings to average equity (ytd only) | 13.8843% | 364 |
| Net charge-offs to loans | 0.1402% | 906 |
| Credit loss provision to net charge-offs | 110.5263% | 1,493 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,737 |
| Efficiency ratio | 63.4615% | 3,324 |
| Assets per employee ($millions) | 5.2721% | 2,199 |
| Cash dividends to net income (ytd only)* | 29.4551% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,607 |
| Loan loss allowance to noncurrent loans | 154.1883% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 2,070 |
| Noncurrent loans to loans | 0.7751% | 2,097 |
| Net loans and leases to total assets | 74.1339% | 1,776 |
| Net loans and leases to deposits | 87.9554% | 1,879 |
| Net loans and leases to core deposits | 94.7194% | 2,056 |
| Total domestic deposits to total assets | 84.2858% | 2,955 |
| Equity capital to assets | 8.1406% | 5,143 |
| Core capital (leverage) ratio | 7.9902% | 5,209 |
| Tier 1 risk-based capital ratio | 10.5563% | 5,166 |
| Total risk-based capital ratio | 11.7117% | 5,099 |
| Memoranda: | ||
| Average total assets | $710,924,000 | 1,066 |
| Average earning assets | $663,843,500 | 1,056 |
| Average equity | $55,199,000 | 1,445 |
| Average total loans | $541,986,000 | 999 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,740 |
| Cost of funding earning assets | 0.7992% | 1,523 |
| Net interest margin | 3.6073% | 3,355 |
| Noninterest income to average assets | 0.4616% | 3,042 |
| Noninterest expense to average assets | 2.8651% | 2,467 |
| Loan and lease loss provision to assets | 0.1915% | 997 |
| Net operating income to assets | 0.7949% | 3,825 |
| Return on assets (ROA) | 0.7949% | 3,828 |
| Pretax return on assets | 0.7949% | 4,183 |
| Return on Equity (ROE) | 10.9920% | 2,083 |
| Retained earnings to average equity (ytd only) | 6.0814% | 2,153 |
| Net charge-offs to loans | 0.0551% | 2,358 |
| Credit loss provision to net charge-offs | 474.1379% | 723 |
| Earnings coverage of net charge-offs (x) | 24.4241% | 1,814 |
| Efficiency ratio | 74.3898% | 1,575 |
| Assets per employee ($millions) | 5.2226% | 2,240 |
| Cash dividends to net income (ytd only)* | 44.6741% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,050 |
| Loan loss allowance to noncurrent loans | 127.4068% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 1,829 |
| Noncurrent loans to loans | 0.8690% | 1,854 |
| Net loans and leases to total assets | 76.5364% | 1,514 |
| Net loans and leases to deposits | 89.2242% | 1,904 |
| Net loans and leases to core deposits | 95.9478% | 2,067 |
| Total domestic deposits to total assets | 85.7799% | 2,335 |
| Equity capital to assets | 7.4038% | 5,291 |
| Core capital (leverage) ratio | 7.7320% | 5,291 |
| Tier 1 risk-based capital ratio | 9.5383% | 5,367 |
| Total risk-based capital ratio | 10.6158% | 5,357 |
| Memoranda: | ||
| Average total assets | $718,097,800 | 1,039 |
| Average earning assets | $674,805,600 | 1,022 |
| Average equity | $51,928,800 | 1,463 |
| Average total loans | $526,461,400 | 999 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 3,026 |
| Cost of funding earning assets | 0.7200% | 1,745 |
| Net interest margin | 3.5641% | 3,478 |
| Noninterest income to average assets | 0.4794% | 2,986 |
| Noninterest expense to average assets | 2.7437% | 2,832 |
| Loan and lease loss provision to assets | 0.2560% | 609 |
| Net operating income to assets | 0.8380% | 3,782 |
| Return on assets (ROA) | 0.8380% | 3,788 |
| Pretax return on assets | 0.8380% | 4,201 |
| Return on Equity (ROE) | 11.6586% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.0535% | 3,209 |
| Net charge-offs to loans | -0.0046% | 4,213 |
| Credit loss provision to net charge-offs | -7,638.8889% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4937% | 1,962 |
| Assets per employee ($millions) | 5.1586% | 2,264 |
| Cash dividends to net income (ytd only)* | 56.6542% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,405 |
| Loan loss allowance to noncurrent loans | 155.7013% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 2,086 |
| Noncurrent loans to loans | 0.7967% | 2,114 |
| Net loans and leases to total assets | 75.1720% | 1,786 |
| Net loans and leases to deposits | 88.2581% | 2,117 |
| Net loans and leases to core deposits | 95.0125% | 2,210 |
| Total domestic deposits to total assets | 85.1729% | 2,538 |
| Equity capital to assets | 7.5094% | 5,306 |
| Core capital (leverage) ratio | 7.7027% | 5,369 |
| Tier 1 risk-based capital ratio | 9.9350% | 5,392 |
| Total risk-based capital ratio | 11.1397% | 5,355 |
| Memoranda: | ||
| Average total assets | $716,138,000 | 1,037 |
| Average earning assets | $674,789,250 | 1,023 |
| Average equity | $51,474,250 | 1,474 |
| Average total loans | $517,620,250 | 1,009 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 3,445 |
| Cost of funding earning assets | 0.6348% | 2,019 |
| Net interest margin | 3.4658% | 3,747 |
| Noninterest income to average assets | 0.4757% | 3,001 |
| Noninterest expense to average assets | 2.7011% | 3,014 |
| Loan and lease loss provision to assets | 0.3175% | 432 |
| Net operating income to assets | 0.7415% | 4,064 |
| Return on assets (ROA) | 0.7415% | 4,064 |
| Pretax return on assets | 0.7415% | 4,410 |
| Return on Equity (ROE) | 10.4658% | 2,351 |
| Retained earnings to average equity (ytd only) | 3.6470% | 3,772 |
| Net charge-offs to loans | -0.0070% | 4,198 |
| Credit loss provision to net charge-offs | -6,388.8889% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8355% | 2,029 |
| Assets per employee ($millions) | 5.2029% | 2,188 |
| Cash dividends to net income (ytd only)* | 65.1526% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,681 |
| Loan loss allowance to noncurrent loans | 141.5544% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,136 |
| Noncurrent loans to loans | 0.8513% | 2,018 |
| Net loans and leases to total assets | 70.4271% | 2,516 |
| Net loans and leases to deposits | 81.6249% | 2,805 |
| Net loans and leases to core deposits | 87.1349% | 2,806 |
| Total domestic deposits to total assets | 86.2814% | 2,153 |
| Equity capital to assets | 7.0165% | 5,447 |
| Core capital (leverage) ratio | 7.2899% | 5,460 |
| Tier 1 risk-based capital ratio | 10.0941% | 5,408 |
| Total risk-based capital ratio | 11.2994% | 5,353 |
| Memoranda: | ||
| Average total assets | $724,432,330 | 1,028 |
| Average earning assets | $686,534,000 | 1,005 |
| Average equity | $51,329,330 | 1,480 |
| Average total loans | $514,774,670 | 1,017 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,449 |
| Cost of funding earning assets | 0.5705% | 2,253 |
| Net interest margin | 3.4728% | 3,636 |
| Noninterest income to average assets | 0.3573% | 3,754 |
| Noninterest expense to average assets | 2.7223% | 2,968 |
| Loan and lease loss provision to assets | 0.1250% | 1,505 |
| Net operating income to assets | 0.8080% | 3,675 |
| Return on assets (ROA) | 0.8080% | 3,684 |
| Pretax return on assets | 0.8080% | 4,128 |
| Return on Equity (ROE) | 11.3467% | 1,835 |
| Retained earnings to average equity (ytd only) | 1.5920% | 4,463 |
| Net charge-offs to loans | -0.0117% | 4,318 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4755% | 1,824 |
| Assets per employee ($millions) | 5.5449% | 1,901 |
| Cash dividends to net income (ytd only)* | 85.9697% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,611 |
| Loan loss allowance to noncurrent loans | 231.0834% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,618 |
| Noncurrent loans to loans | 0.4577% | 3,162 |
| Net loans and leases to total assets | 66.1863% | 3,005 |
| Net loans and leases to deposits | 76.3174% | 3,176 |
| Net loans and leases to core deposits | 80.7285% | 3,268 |
| Total domestic deposits to total assets | 86.7251% | 2,230 |
| Equity capital to assets | 6.6811% | 5,534 |
| Core capital (leverage) ratio | 7.7539% | 5,461 |
| Tier 1 risk-based capital ratio | 10.1578% | 5,455 |
| Total risk-based capital ratio | 11.2074% | 5,456 |
| Memoranda: | ||
| Average total assets | $719,842,500 | 1,045 |
| Average earning assets | $683,603,000 | 1,018 |
| Average equity | $51,257,000 | 1,495 |
| Average total loans | $510,680,000 | 1,030 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,719 |
| Cost of funding earning assets | 0.4741% | 2,561 |
| Net interest margin | 3.7168% | 2,733 |
| Noninterest income to average assets | 0.5374% | 2,786 |
| Noninterest expense to average assets | 3.0296% | 2,073 |
| Loan and lease loss provision to assets | 0.2001% | 1,035 |
| Net operating income to assets | 0.7891% | 3,209 |
| Return on assets (ROA) | 0.8007% | 3,197 |
| Pretax return on assets | 0.8007% | 4,239 |
| Return on Equity (ROE) | 10.0136% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,058 |
| Net charge-offs to loans | 0.3164% | 802 |
| Credit loss provision to net charge-offs | 83.2250% | 2,896 |
| Earnings coverage of net charge-offs (x) | 4.1138% | 3,516 |
| Efficiency ratio | 75.3852% | 1,706 |
| Assets per employee ($millions) | 5.0003% | 2,475 |
| Cash dividends to net income (ytd only)* | 63.4642% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,942 |
| Loan loss allowance to noncurrent loans | 163.4830% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 3,009 |
| Noncurrent loans to loans | 0.6120% | 2,702 |
| Net loans and leases to total assets | 74.7116% | 1,806 |
| Net loans and leases to deposits | 86.9241% | 2,140 |
| Net loans and leases to core deposits | 92.3394% | 2,340 |
| Total domestic deposits to total assets | 85.9504% | 2,464 |
| Equity capital to assets | 7.6115% | 5,518 |
| Core capital (leverage) ratio | 7.7552% | 5,508 |
| Tier 1 risk-based capital ratio | 9.9706% | 5,541 |
| Total risk-based capital ratio | 10.9593% | 5,549 |
| Memoranda: | ||
| Average total assets | $639,583,400 | 1,136 |
| Average earning assets | $599,087,000 | 1,116 |
| Average equity | $51,140,200 | 1,497 |
| Average total loans | $486,165,600 | 1,056 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 2,610 |
| Cost of funding earning assets | 0.4609% | 2,607 |
| Net interest margin | 3.7412% | 2,612 |
| Noninterest income to average assets | 0.5655% | 2,641 |
| Noninterest expense to average assets | 3.0539% | 1,944 |
| Loan and lease loss provision to assets | 0.0953% | 2,194 |
| Net operating income to assets | 0.9155% | 2,944 |
| Return on assets (ROA) | 0.9330% | 2,925 |
| Pretax return on assets | 0.9330% | 3,925 |
| Return on Equity (ROE) | 11.5194% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.0204% | 4,112 |
| Net charge-offs to loans | 0.0993% | 1,791 |
| Credit loss provision to net charge-offs | 126.0504% | 1,928 |
| Earnings coverage of net charge-offs (x) | 13.3669% | 2,353 |
| Efficiency ratio | 75.1329% | 1,717 |
| Assets per employee ($millions) | 4.6288% | 2,935 |
| Cash dividends to net income (ytd only)* | 73.7798% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,331 |
| Loan loss allowance to noncurrent loans | 98.4919% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,886 |
| Noncurrent loans to loans | 1.1441% | 1,680 |
| Net loans and leases to total assets | 75.9052% | 1,602 |
| Net loans and leases to deposits | 90.1386% | 1,790 |
| Net loans and leases to core deposits | 97.1155% | 1,967 |
| Total domestic deposits to total assets | 84.2094% | 3,042 |
| Equity capital to assets | 8.1166% | 5,475 |
| Core capital (leverage) ratio | 7.8479% | 5,557 |
| Tier 1 risk-based capital ratio | 10.2911% | 5,514 |
| Total risk-based capital ratio | 11.3974% | 5,520 |
| Memoranda: | ||
| Average total assets | $629,469,250 | 1,153 |
| Average earning assets | $588,751,500 | 1,139 |
| Average equity | $50,985,000 | 1,516 |
| Average total loans | $479,406,000 | 1,077 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,704 |
| Cost of funding earning assets | 0.4297% | 2,807 |
| Net interest margin | 3.7130% | 2,607 |
| Noninterest income to average assets | 0.6335% | 2,302 |
| Noninterest expense to average assets | 3.0756% | 1,896 |
| Loan and lease loss provision to assets | 0.0956% | 2,083 |
| Net operating income to assets | 0.9333% | 2,750 |
| Return on assets (ROA) | 0.9329% | 2,811 |
| Pretax return on assets | 0.9329% | 3,816 |
| Return on Equity (ROE) | 11.5263% | 1,457 |
| Retained earnings to average equity (ytd only) | 2.2785% | 4,316 |
| Net charge-offs to loans | -0.0063% | 4,396 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9340% | 1,863 |
| Assets per employee ($millions) | 4.7806% | 2,676 |
| Cash dividends to net income (ytd only)* | 80.2322% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,098 |
| Loan loss allowance to noncurrent loans | 208.6654% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 3,095 |
| Noncurrent loans to loans | 0.5695% | 3,021 |
| Net loans and leases to total assets | 71.4148% | 2,299 |
| Net loans and leases to deposits | 83.9903% | 2,478 |
| Net loans and leases to core deposits | 90.8533% | 2,449 |
| Total domestic deposits to total assets | 85.0274% | 2,794 |
| Equity capital to assets | 7.7214% | 5,613 |
| Core capital (leverage) ratio | 8.9948% | 4,733 |
| Tier 1 risk-based capital ratio | 10.2901% | 5,544 |
| Total risk-based capital ratio | 11.4546% | 5,512 |
| Memoranda: | ||
| Average total assets | $627,911,000 | 1,158 |
| Average earning assets | $586,957,000 | 1,146 |
| Average equity | $50,823,000 | 1,521 |
| Average total loans | $476,930,000 | 1,083 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 2,495 |
| Cost of funding earning assets | 0.4101% | 2,904 |
| Net interest margin | 3.7343% | 2,371 |
| Noninterest income to average assets | 0.8819% | 1,300 |
| Noninterest expense to average assets | 3.3077% | 1,372 |
| Loan and lease loss provision to assets | 0.0984% | 1,920 |
| Net operating income to assets | 0.9711% | 2,430 |
| Return on assets (ROA) | 0.9645% | 2,516 |
| Pretax return on assets | 0.9645% | 3,523 |
| Return on Equity (ROE) | 11.6251% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.6710% | 1,585 |
| Net charge-offs to loans | -0.0118% | 4,495 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5659% | 1,976 |
| Assets per employee ($millions) | 4.6805% | 2,875 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,279 |
| Loan loss allowance to noncurrent loans | 183.9735% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 2,986 |
| Noncurrent loans to loans | 0.6390% | 2,910 |
| Net loans and leases to total assets | 72.8318% | 1,939 |
| Net loans and leases to deposits | 86.1170% | 2,021 |
| Net loans and leases to core deposits | 93.1951% | 2,048 |
| Total domestic deposits to total assets | 84.5731% | 3,273 |
| Equity capital to assets | 7.9526% | 5,541 |
| Core capital (leverage) ratio | 8.1336% | 5,488 |
| Tier 1 risk-based capital ratio | 10.7299% | 5,447 |
| Total risk-based capital ratio | 11.9036% | 5,396 |
| Memoranda: | ||
| Average total assets | $609,612,500 | 1,193 |
| Average earning assets | $570,606,500 | 1,178 |
| Average equity | $50,580,000 | 1,528 |
| Average total loans | $475,263,000 | 1,076 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 1,998 |
| Cost of funding earning assets | 0.3015% | 4,047 |
| Net interest margin | 4.0428% | 1,516 |
| Noninterest income to average assets | 0.5314% | 3,023 |
| Noninterest expense to average assets | 3.2053% | 1,776 |
| Loan and lease loss provision to assets | 0.1682% | 1,454 |
| Net operating income to assets | 0.9203% | 2,719 |
| Return on assets (ROA) | 0.9206% | 2,838 |
| Pretax return on assets | 0.9206% | 3,769 |
| Return on Equity (ROE) | 11.0195% | 1,570 |
| Retained earnings to average equity (ytd only) | 7.9230% | 878 |
| Net charge-offs to loans | 0.0382% | 3,263 |
| Credit loss provision to net charge-offs | 532.7869% | 626 |
| Earnings coverage of net charge-offs (x) | 34.4863% | 1,313 |
| Efficiency ratio | 74.6505% | 2,192 |
| Assets per employee ($millions) | 4.1285% | 3,738 |
| Cash dividends to net income (ytd only)* | 28.1004% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,551 |
| Loan loss allowance to noncurrent loans | 168.4474% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 2,761 |
| Noncurrent loans to loans | 0.6697% | 2,855 |
| Net loans and leases to total assets | 81.7583% | 638 |
| Net loans and leases to deposits | 93.2048% | 1,273 |
| Net loans and leases to core deposits | 101.8056% | 1,456 |
| Total domestic deposits to total assets | 87.7190% | 1,780 |
| Equity capital to assets | 8.6792% | 5,125 |
| Core capital (leverage) ratio | 8.5440% | 5,218 |
| Tier 1 risk-based capital ratio | 10.4328% | 5,600 |
| Total risk-based capital ratio | 11.5626% | 5,590 |
| Memoranda: | ||
| Average total assets | $579,813,200 | 1,204 |
| Average earning assets | $539,606,600 | 1,190 |
| Average equity | $48,441,400 | 1,566 |
| Average total loans | $478,751,600 | 1,013 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,077 |
| Cost of funding earning assets | 0.3005% | 4,095 |
| Net interest margin | 4.0299% | 1,577 |
| Noninterest income to average assets | 0.5135% | 3,159 |
| Noninterest expense to average assets | 3.1293% | 1,958 |
| Loan and lease loss provision to assets | 0.1838% | 1,191 |
| Net operating income to assets | 0.9508% | 2,649 |
| Return on assets (ROA) | 0.9513% | 2,790 |
| Pretax return on assets | 0.9513% | 3,809 |
| Return on Equity (ROE) | 11.4972% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.3315% | 1,468 |
| Net charge-offs to loans | 0.0445% | 2,756 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 30.8622% | 1,461 |
| Efficiency ratio | 73.3901% | 2,382 |
| Assets per employee ($millions) | 4.1116% | 3,765 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,931 |
| Loan loss allowance to noncurrent loans | 193.2522% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 3,223 |
| Noncurrent loans to loans | 0.5599% | 3,319 |
| Net loans and leases to total assets | 82.0583% | 611 |
| Net loans and leases to deposits | 93.3546% | 1,336 |
| Net loans and leases to core deposits | 102.6926% | 1,435 |
| Total domestic deposits to total assets | 87.8995% | 1,448 |
| Equity capital to assets | 8.4911% | 5,536 |
| Core capital (leverage) ratio | 8.4059% | 5,426 |
| Tier 1 risk-based capital ratio | 9.9209% | 5,811 |
| Total risk-based capital ratio | 10.9916% | 5,826 |
| Memoranda: | ||
| Average total assets | $580,269,000 | 1,210 |
| Average earning assets | $540,014,750 | 1,191 |
| Average equity | $48,010,500 | 1,582 |
| Average total loans | $478,952,750 | 1,008 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,902 |
| Cost of funding earning assets | 0.2989% | 4,144 |
| Net interest margin | 4.0754% | 1,433 |
| Noninterest income to average assets | 0.4794% | 3,335 |
| Noninterest expense to average assets | 3.1015% | 2,059 |
| Loan and lease loss provision to assets | 0.2159% | 972 |
| Net operating income to assets | 0.9570% | 2,594 |
| Return on assets (ROA) | 0.9560% | 2,743 |
| Pretax return on assets | 0.9560% | 3,761 |
| Return on Equity (ROE) | 11.6574% | 1,425 |
| Retained earnings to average equity (ytd only) | 7.4459% | 1,411 |
| Net charge-offs to loans | 0.0692% | 2,202 |
| Credit loss provision to net charge-offs | 378.7879% | 803 |
| Earnings coverage of net charge-offs (x) | 20.5818% | 1,720 |
| Efficiency ratio | 72.5598% | 2,577 |
| Assets per employee ($millions) | 4.0436% | 3,823 |
| Cash dividends to net income (ytd only)* | 36.1272% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,131 |
| Loan loss allowance to noncurrent loans | 330.7843% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 4,002 |
| Noncurrent loans to loans | 0.3223% | 4,214 |
| Net loans and leases to total assets | 82.3757% | 588 |
| Net loans and leases to deposits | 93.9388% | 1,298 |
| Net loans and leases to core deposits | 104.7492% | 1,265 |
| Total domestic deposits to total assets | 87.6908% | 1,579 |
| Equity capital to assets | 8.5391% | 5,576 |
| Core capital (leverage) ratio | 8.2929% | 5,541 |
| Tier 1 risk-based capital ratio | 9.8248% | 5,893 |
| Total risk-based capital ratio | 10.8681% | 5,907 |
| Memoranda: | ||
| Average total assets | $579,077,000 | 1,215 |
| Average earning assets | $539,236,670 | 1,201 |
| Average equity | $47,489,000 | 1,597 |
| Average total loans | $477,159,000 | 1,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 1,801 |
| Cost of funding earning assets | 0.2856% | 4,323 |
| Net interest margin | 4.1134% | 1,302 |
| Noninterest income to average assets | 0.4613% | 3,408 |
| Noninterest expense to average assets | 2.9948% | 2,406 |
| Loan and lease loss provision to assets | 0.2742% | 609 |
| Net operating income to assets | 1.0234% | 2,185 |
| Return on assets (ROA) | 1.0214% | 2,308 |
| Pretax return on assets | 1.0214% | 3,399 |
| Return on Equity (ROE) | 12.7105% | 1,102 |
| Retained earnings to average equity (ytd only) | 4.1800% | 3,394 |
| Net charge-offs to loans | 0.0594% | 1,911 |
| Credit loss provision to net charge-offs | 563.3803% | 553 |
| Earnings coverage of net charge-offs (x) | 26.6620% | 1,267 |
| Efficiency ratio | 69.7700% | 3,173 |
| Assets per employee ($millions) | 4.1581% | 3,660 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,448 |
| Loan loss allowance to noncurrent loans | 255.5728% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 3,881 |
| Noncurrent loans to loans | 0.4028% | 3,994 |
| Net loans and leases to total assets | 80.2781% | 778 |
| Net loans and leases to deposits | 91.0524% | 1,456 |
| Net loans and leases to core deposits | 100.8927% | 1,414 |
| Total domestic deposits to total assets | 88.1669% | 1,548 |
| Equity capital to assets | 7.9913% | 5,827 |
| Core capital (leverage) ratio | 8.1343% | 5,696 |
| Tier 1 risk-based capital ratio | 9.3352% | 6,026 |
| Total risk-based capital ratio | 10.3281% | 6,045 |
| Memoranda: | ||
| Average total assets | $583,540,000 | 1,206 |
| Average earning assets | $543,486,000 | 1,196 |
| Average equity | $46,890,500 | 1,602 |
| Average total loans | $478,375,000 | 1,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,637 |
| Cost of funding earning assets | 0.2694% | 4,590 |
| Net interest margin | 3.9070% | 2,006 |
| Noninterest income to average assets | 0.4046% | 4,001 |
| Noninterest expense to average assets | 3.0765% | 2,307 |
| Loan and lease loss provision to assets | 0.0255% | 3,878 |
| Net operating income to assets | 0.8297% | 3,197 |
| Return on assets (ROA) | 0.8356% | 3,250 |
| Pretax return on assets | 0.8356% | 4,088 |
| Return on Equity (ROE) | 10.5720% | 1,767 |
| Retained earnings to average equity (ytd only) | -0.4852% | 5,589 |
| Net charge-offs to loans | 0.0910% | 2,527 |
| Credit loss provision to net charge-offs | 36.9458% | 3,566 |
| Earnings coverage of net charge-offs (x) | 12.4113% | 2,468 |
| Efficiency ratio | 78.2502% | 1,930 |
| Assets per employee ($millions) | 4.0607% | 3,829 |
| Cash dividends to net income (ytd only)* | 104.5898% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,800 |
| Loan loss allowance to noncurrent loans | 290.8344% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 4,045 |
| Noncurrent loans to loans | 0.3311% | 4,272 |
| Net loans and leases to total assets | 82.0660% | 588 |
| Net loans and leases to deposits | 95.4334% | 1,074 |
| Net loans and leases to core deposits | 101.6174% | 1,392 |
| Total domestic deposits to total assets | 85.9930% | 2,642 |
| Equity capital to assets | 8.0808% | 5,823 |
| Core capital (leverage) ratio | 8.0784% | 5,789 |
| Tier 1 risk-based capital ratio | 9.2519% | 6,080 |
| Total risk-based capital ratio | 10.1806% | 6,099 |
| Memoranda: | ||
| Average total assets | $589,283,000 | 1,159 |
| Average earning assets | $531,964,200 | 1,183 |
| Average equity | $46,576,000 | 1,588 |
| Average total loans | $446,292,600 | 1,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,731 |
| Cost of funding earning assets | 0.2635% | 4,738 |
| Net interest margin | 3.8926% | 2,057 |
| Noninterest income to average assets | 0.4112% | 4,001 |
| Noninterest expense to average assets | 2.8786% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0204% | 2,376 |
| Return on assets (ROA) | 1.0283% | 2,425 |
| Pretax return on assets | 1.0283% | 3,509 |
| Return on Equity (ROE) | 13.0808% | 1,103 |
| Retained earnings to average equity (ytd only) | -1.6634% | 5,820 |
| Net charge-offs to loans | 0.0949% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.5320% | 2,245 |
| Efficiency ratio | 73.8297% | 2,585 |
| Assets per employee ($millions) | 4.1052% | 3,692 |
| Cash dividends to net income (ytd only)* | 112.7162% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,816 |
| Loan loss allowance to noncurrent loans | 236.0852% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 4,115 |
| Noncurrent loans to loans | 0.4175% | 4,103 |
| Net loans and leases to total assets | 79.4814% | 887 |
| Net loans and leases to deposits | 90.1258% | 1,633 |
| Net loans and leases to core deposits | 95.7744% | 1,911 |
| Total domestic deposits to total assets | 88.1893% | 1,459 |
| Equity capital to assets | 8.0520% | 5,942 |
| Core capital (leverage) ratio | 7.7956% | 5,982 |
| Tier 1 risk-based capital ratio | 9.3524% | 6,164 |
| Total risk-based capital ratio | 10.2881% | 6,178 |
| Memoranda: | ||
| Average total assets | $592,447,500 | 1,158 |
| Average earning assets | $530,836,500 | 1,191 |
| Average equity | $46,571,000 | 1,593 |
| Average total loans | $438,412,250 | 1,047 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,925 |
| Cost of funding earning assets | 0.2526% | 4,911 |
| Net interest margin | 3.8396% | 2,174 |
| Noninterest income to average assets | 0.4148% | 3,968 |
| Noninterest expense to average assets | 2.7495% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0739% | 2,041 |
| Return on assets (ROA) | 1.0880% | 2,088 |
| Pretax return on assets | 1.0880% | 3,228 |
| Return on Equity (ROE) | 13.9493% | 916 |
| Retained earnings to average equity (ytd only) | -3.2998% | 5,939 |
| Net charge-offs to loans | 0.0293% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 944 |
| Efficiency ratio | 71.9119% | 3,010 |
| Assets per employee ($millions) | 4.3973% | 3,146 |
| Cash dividends to net income (ytd only)* | 123.6559% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,360 |
| Loan loss allowance to noncurrent loans | 159.0577% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 3,619 |
| Noncurrent loans to loans | 0.6870% | 3,426 |
| Net loans and leases to total assets | 72.5549% | 1,889 |
| Net loans and leases to deposits | 82.0589% | 2,545 |
| Net loans and leases to core deposits | 86.8840% | 2,666 |
| Total domestic deposits to total assets | 88.4181% | 1,435 |
| Equity capital to assets | 7.7080% | 6,077 |
| Core capital (leverage) ratio | 7.5864% | 6,076 |
| Tier 1 risk-based capital ratio | 9.3358% | 6,222 |
| Total risk-based capital ratio | 10.3253% | 6,228 |
| Memoranda: | ||
| Average total assets | $598,354,670 | 1,154 |
| Average earning assets | $531,203,000 | 1,198 |
| Average equity | $46,669,000 | 1,601 |
| Average total loans | $430,767,330 | 1,064 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,355 |
| Cost of funding earning assets | 0.2407% | 5,121 |
| Net interest margin | 3.7253% | 2,533 |
| Noninterest income to average assets | 0.4090% | 3,931 |
| Noninterest expense to average assets | 2.7160% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1161% | 1,814 |
| Return on assets (ROA) | 1.1442% | 1,823 |
| Pretax return on assets | 1.1442% | 2,886 |
| Return on Equity (ROE) | 14.5840% | 775 |
| Retained earnings to average equity (ytd only) | 6.0653% | 2,456 |
| Net charge-offs to loans | -0.0234% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8755% | 3,339 |
| Assets per employee ($millions) | 4.7667% | 2,666 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 4,263 |
| Loan loss allowance to noncurrent loans | 259.1826% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 4,399 |
| Noncurrent loans to loans | 0.4433% | 4,263 |
| Net loans and leases to total assets | 67.7893% | 2,485 |
| Net loans and leases to deposits | 75.3636% | 3,129 |
| Net loans and leases to core deposits | 79.7715% | 3,194 |
| Total domestic deposits to total assets | 89.9498% | 764 |
| Equity capital to assets | 7.6700% | 6,134 |
| Core capital (leverage) ratio | 7.8237% | 6,025 |
| Tier 1 risk-based capital ratio | 10.0294% | 6,162 |
| Total risk-based capital ratio | 11.0785% | 6,173 |
| Memoranda: | ||
| Average total assets | $598,518,500 | 1,159 |
| Average earning assets | $549,973,500 | 1,149 |
| Average equity | $46,955,500 | 1,593 |
| Average total loans | $426,805,000 | 1,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 2,820 |
| Cost of funding earning assets | 0.2427% | 5,397 |
| Net interest margin | 3.9966% | 1,908 |
| Noninterest income to average assets | 0.5849% | 2,953 |
| Noninterest expense to average assets | 3.0835% | 2,580 |
| Loan and lease loss provision to assets | 0.0533% | 3,490 |
| Net operating income to assets | 1.1424% | 1,804 |
| Return on assets (ROA) | 1.1398% | 1,882 |
| Pretax return on assets | 1.1398% | 2,925 |
| Return on Equity (ROE) | 14.8615% | 803 |
| Retained earnings to average equity (ytd only) | 7.4435% | 1,218 |
| Net charge-offs to loans | 0.0763% | 3,392 |
| Credit loss provision to net charge-offs | 98.0392% | 2,469 |
| Earnings coverage of net charge-offs (x) | 21.9804% | 1,646 |
| Efficiency ratio | 72.0565% | 3,198 |
| Assets per employee ($millions) | 4.4412% | 3,134 |
| Cash dividends to net income (ytd only)* | 49.9142% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 4,372 |
| Loan loss allowance to noncurrent loans | 258.8173% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 4,243 |
| Noncurrent loans to loans | 0.4379% | 4,332 |
| Net loans and leases to total assets | 73.4020% | 1,685 |
| Net loans and leases to deposits | 82.0668% | 2,462 |
| Net loans and leases to core deposits | 87.3143% | 2,579 |
| Total domestic deposits to total assets | 89.4418% | 995 |
| Equity capital to assets | 8.0335% | 6,053 |
| Core capital (leverage) ratio | 7.9085% | 6,045 |
| Tier 1 risk-based capital ratio | 10.0631% | 6,244 |
| Total risk-based capital ratio | 11.1273% | 6,250 |
| Memoranda: | ||
| Average total assets | $562,486,200 | 1,177 |
| Average earning assets | $519,941,800 | 1,175 |
| Average equity | $43,138,200 | 1,667 |
| Average total loans | $400,940,400 | 1,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 2,665 |
| Cost of funding earning assets | 0.2428% | 5,481 |
| Net interest margin | 4.0497% | 1,722 |
| Noninterest income to average assets | 0.5047% | 3,517 |
| Noninterest expense to average assets | 3.0127% | 2,763 |
| Loan and lease loss provision to assets | 0.0537% | 3,298 |
| Net operating income to assets | 1.1866% | 1,725 |
| Return on assets (ROA) | 1.1854% | 1,807 |
| Pretax return on assets | 1.1854% | 2,842 |
| Return on Equity (ROE) | 15.6491% | 724 |
| Retained earnings to average equity (ytd only) | 5.5692% | 2,689 |
| Net charge-offs to loans | 0.0839% | 3,000 |
| Credit loss provision to net charge-offs | 90.7258% | 2,414 |
| Earnings coverage of net charge-offs (x) | 20.9596% | 1,702 |
| Efficiency ratio | 70.8371% | 3,365 |
| Assets per employee ($millions) | 4.4580% | 3,042 |
| Cash dividends to net income (ytd only)* | 64.4123% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 4,185 |
| Loan loss allowance to noncurrent loans | 245.4361% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 3,966 |
| Noncurrent loans to loans | 0.4917% | 4,441 |
| Net loans and leases to total assets | 67.8486% | 2,561 |
| Net loans and leases to deposits | 75.5712% | 3,233 |
| Net loans and leases to core deposits | 80.2585% | 3,289 |
| Total domestic deposits to total assets | 89.7810% | 831 |
| Equity capital to assets | 7.6421% | 6,277 |
| Core capital (leverage) ratio | 7.7541% | 6,189 |
| Tier 1 risk-based capital ratio | 10.6201% | 6,167 |
| Total risk-based capital ratio | 11.7760% | 6,150 |
| Memoranda: | ||
| Average total assets | $558,767,750 | 1,197 |
| Average earning assets | $517,189,000 | 1,190 |
| Average equity | $42,327,250 | 1,707 |
| Average total loans | $394,012,500 | 1,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,475 |
| Cost of funding earning assets | 0.2445% | 5,540 |
| Net interest margin | 4.0855% | 1,554 |
| Noninterest income to average assets | 0.4146% | 4,137 |
| Noninterest expense to average assets | 3.0304% | 2,725 |
| Loan and lease loss provision to assets | 0.0545% | 3,211 |
| Net operating income to assets | 1.1000% | 1,943 |
| Return on assets (ROA) | 1.1004% | 2,005 |
| Pretax return on assets | 1.1004% | 3,100 |
| Return on Equity (ROE) | 14.5718% | 862 |
| Retained earnings to average equity (ytd only) | 3.5034% | 3,973 |
| Net charge-offs to loans | 0.0169% | 3,885 |
| Credit loss provision to net charge-offs | 454.5455% | 625 |
| Earnings coverage of net charge-offs (x) | 96.2727% | 569 |
| Efficiency ratio | 72.4123% | 3,265 |
| Assets per employee ($millions) | 4.2836% | 3,305 |
| Cash dividends to net income (ytd only)* | 75.9577% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 4,038 |
| Loan loss allowance to noncurrent loans | 77.8160% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 2,796 |
| Noncurrent loans to loans | 1.6294% | 2,136 |
| Net loans and leases to total assets | 69.1181% | 2,219 |
| Net loans and leases to deposits | 77.0767% | 2,918 |
| Net loans and leases to core deposits | 82.0036% | 2,971 |
| Total domestic deposits to total assets | 89.6745% | 982 |
| Equity capital to assets | 7.6970% | 6,299 |
| Core capital (leverage) ratio | 7.8712% | 6,174 |
| Tier 1 risk-based capital ratio | 10.5048% | 6,248 |
| Total risk-based capital ratio | 11.7104% | 6,211 |
| Memoranda: | ||
| Average total assets | $550,356,000 | 1,215 |
| Average earning assets | $507,894,670 | 1,211 |
| Average equity | $41,559,670 | 1,728 |
| Average total loans | $391,657,330 | 1,120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 1,589 |
| Cost of funding earning assets | 0.2442% | 5,644 |
| Net interest margin | 4.3243% | 956 |
| Noninterest income to average assets | 0.3883% | 4,289 |
| Noninterest expense to average assets | 3.1415% | 2,400 |
| Loan and lease loss provision to assets | 0.0551% | 3,015 |
| Net operating income to assets | 1.1942% | 1,498 |
| Return on assets (ROA) | 1.1950% | 1,570 |
| Pretax return on assets | 1.1950% | 2,501 |
| Return on Equity (ROE) | 15.9829% | 641 |
| Retained earnings to average equity (ytd only) | 7.1472% | 1,958 |
| Net charge-offs to loans | 0.0133% | 3,340 |
| Credit loss provision to net charge-offs | 576.9231% | 488 |
| Earnings coverage of net charge-offs (x) | 130.9231% | 376 |
| Efficiency ratio | 71.5480% | 3,571 |
| Assets per employee ($millions) | 4.3019% | 3,335 |
| Cash dividends to net income (ytd only)* | 55.2826% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,331 |
| Loan loss allowance to noncurrent loans | 75.0533% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 2,893 |
| Noncurrent loans to loans | 1.6767% | 2,313 |
| Net loans and leases to total assets | 69.6345% | 1,959 |
| Net loans and leases to deposits | 77.5134% | 2,625 |
| Net loans and leases to core deposits | 82.2293% | 2,714 |
| Total domestic deposits to total assets | 89.8355% | 1,164 |
| Equity capital to assets | 7.5450% | 6,303 |
| Core capital (leverage) ratio | 8.1293% | 6,011 |
| Tier 1 risk-based capital ratio | 10.3402% | 6,381 |
| Total risk-based capital ratio | 11.5143% | 6,359 |
| Memoranda: | ||
| Average total assets | $544,957,000 | 1,240 |
| Average earning assets | $504,403,000 | 1,227 |
| Average equity | $40,743,500 | 1,751 |
| Average total loans | $391,066,000 | 1,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,714 |
| Cost of funding earning assets | 0.2604% | 5,908 |
| Net interest margin | 3.8462% | 2,481 |
| Noninterest income to average assets | 0.4655% | 3,989 |
| Noninterest expense to average assets | 2.9272% | 3,285 |
| Loan and lease loss provision to assets | 0.0338% | 4,444 |
| Net operating income to assets | 1.0690% | 2,040 |
| Return on assets (ROA) | 1.0575% | 2,167 |
| Pretax return on assets | 1.0575% | 3,120 |
| Return on Equity (ROE) | 14.0601% | 939 |
| Retained earnings to average equity (ytd only) | 6.6134% | 1,612 |
| Net charge-offs to loans | 0.0455% | 4,584 |
| Credit loss provision to net charge-offs | 107.7844% | 2,225 |
| Earnings coverage of net charge-offs (x) | 35.1916% | 1,054 |
| Efficiency ratio | 72.6358% | 3,362 |
| Assets per employee ($millions) | 4.1152% | 3,615 |
| Cash dividends to net income (ytd only)* | 52.9631% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,418 |
| Loan loss allowance to noncurrent loans | 62.5708% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 2,566 |
| Noncurrent loans to loans | 1.9889% | 2,000 |
| Net loans and leases to total assets | 72.1370% | 1,659 |
| Net loans and leases to deposits | 79.9009% | 2,472 |
| Net loans and leases to core deposits | 84.4573% | 2,626 |
| Total domestic deposits to total assets | 90.2831% | 922 |
| Equity capital to assets | 7.4054% | 6,328 |
| Core capital (leverage) ratio | 8.2018% | 5,973 |
| Tier 1 risk-based capital ratio | 10.1891% | 6,461 |
| Total risk-based capital ratio | 11.3517% | 6,452 |
| Memoranda: | ||
| Average total assets | $532,934,800 | 1,246 |
| Average earning assets | $493,892,200 | 1,234 |
| Average equity | $40,085,000 | 1,741 |
| Average total loans | $367,392,600 | 1,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,766 |
| Cost of funding earning assets | 0.2667% | 5,981 |
| Net interest margin | 3.8314% | 2,535 |
| Noninterest income to average assets | 0.4417% | 4,209 |
| Noninterest expense to average assets | 2.7754% | 3,746 |
| Loan and lease loss provision to assets | 0.0451% | 4,114 |
| Net operating income to assets | 1.1715% | 1,735 |
| Return on assets (ROA) | 1.1552% | 1,864 |
| Pretax return on assets | 1.1552% | 2,874 |
| Return on Equity (ROE) | 15.2990% | 749 |
| Retained earnings to average equity (ytd only) | 5.3993% | 2,801 |
| Net charge-offs to loans | 0.0018% | 5,183 |
| Credit loss provision to net charge-offs | 3,600.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 971.0900% | 47 |
| Efficiency ratio | 69.5251% | 3,831 |
| Assets per employee ($millions) | 4.1198% | 3,596 |
| Cash dividends to net income (ytd only)* | 64.7085% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 4,227 |
| Loan loss allowance to noncurrent loans | 62.9699% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 2,716 |
| Noncurrent loans to loans | 2.1162% | 2,111 |
| Net loans and leases to total assets | 68.9387% | 2,152 |
| Net loans and leases to deposits | 76.5725% | 2,874 |
| Net loans and leases to core deposits | 80.8533% | 3,027 |
| Total domestic deposits to total assets | 90.0307% | 980 |
| Equity capital to assets | 7.0967% | 6,523 |
| Core capital (leverage) ratio | 7.9637% | 6,247 |
| Tier 1 risk-based capital ratio | 10.2550% | 6,522 |
| Total risk-based capital ratio | 11.4947% | 6,497 |
| Memoranda: | ||
| Average total assets | $532,424,750 | 1,260 |
| Average earning assets | $493,351,000 | 1,243 |
| Average equity | $40,202,000 | 1,746 |
| Average total loans | $361,546,250 | 1,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,881 |
| Cost of funding earning assets | 0.2746% | 6,022 |
| Net interest margin | 3.7846% | 2,612 |
| Noninterest income to average assets | 0.4309% | 4,300 |
| Noninterest expense to average assets | 2.7521% | 3,850 |
| Loan and lease loss provision to assets | 0.0679% | 3,686 |
| Net operating income to assets | 1.1166% | 1,876 |
| Return on assets (ROA) | 1.0947% | 2,061 |
| Pretax return on assets | 1.0947% | 3,112 |
| Return on Equity (ROE) | 14.2082% | 963 |
| Retained earnings to average equity (ytd only) | 4.3540% | 3,501 |
| Net charge-offs to loans | 0.0039% | 4,839 |
| Credit loss provision to net charge-offs | 2,571.4286% | 132 |
| Earnings coverage of net charge-offs (x) | 448.4286% | 104 |
| Efficiency ratio | 69.9099% | 3,847 |
| Assets per employee ($millions) | 4.1480% | 3,474 |
| Cash dividends to net income (ytd only)* | 69.3554% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,168 |
| Loan loss allowance to noncurrent loans | 63.5742% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 2,871 |
| Noncurrent loans to loans | 2.1555% | 2,226 |
| Net loans and leases to total assets | 68.0923% | 2,212 |
| Net loans and leases to deposits | 75.9045% | 2,890 |
| Net loans and leases to core deposits | 79.6668% | 3,066 |
| Total domestic deposits to total assets | 89.7078% | 1,202 |
| Equity capital to assets | 7.3476% | 6,494 |
| Core capital (leverage) ratio | 7.9219% | 6,237 |
| Tier 1 risk-based capital ratio | 10.2553% | 6,576 |
| Total risk-based capital ratio | 11.5055% | 6,548 |
| Memoranda: | ||
| Average total assets | $530,000,330 | 1,264 |
| Average earning assets | $490,937,670 | 1,250 |
| Average equity | $40,835,670 | 1,725 |
| Average total loans | $356,366,330 | 1,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,878 |
| Cost of funding earning assets | 0.2828% | 6,088 |
| Net interest margin | 3.7804% | 2,523 |
| Noninterest income to average assets | 0.4124% | 4,369 |
| Noninterest expense to average assets | 2.7300% | 3,946 |
| Loan and lease loss provision to assets | 0.0680% | 3,500 |
| Net operating income to assets | 1.1089% | 1,824 |
| Return on assets (ROA) | 1.1595% | 1,749 |
| Pretax return on assets | 1.1595% | 2,725 |
| Return on Equity (ROE) | 14.7073% | 819 |
| Retained earnings to average equity (ytd only) | 5.5092% | 2,952 |
| Net charge-offs to loans | 0.0171% | 3,816 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 103.8667% | 367 |
| Efficiency ratio | 69.8763% | 3,998 |
| Assets per employee ($millions) | 4.3031% | 3,332 |
| Cash dividends to net income (ytd only)* | 62.5407% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,218 |
| Loan loss allowance to noncurrent loans | 63.9278% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4556% | 3,073 |
| Noncurrent loans to loans | 2.1935% | 2,394 |
| Net loans and leases to total assets | 65.4257% | 2,471 |
| Net loans and leases to deposits | 73.2356% | 3,014 |
| Net loans and leases to core deposits | 77.2113% | 3,175 |
| Total domestic deposits to total assets | 89.3360% | 1,460 |
| Equity capital to assets | 7.8075% | 6,464 |
| Core capital (leverage) ratio | 8.0044% | 6,141 |
| Tier 1 risk-based capital ratio | 10.8387% | 6,472 |
| Total risk-based capital ratio | 12.0896% | 6,444 |
| Memoranda: | ||
| Average total assets | $529,531,500 | 1,278 |
| Average earning assets | $489,472,000 | 1,268 |
| Average equity | $41,748,000 | 1,720 |
| Average total loans | $351,274,000 | 1,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 3,719 |
| Cost of funding earning assets | 0.3619% | 6,149 |
| Net interest margin | 4.0616% | 2,148 |
| Noninterest income to average assets | 0.5731% | 3,432 |
| Noninterest expense to average assets | 2.9545% | 3,449 |
| Loan and lease loss provision to assets | 0.0900% | 4,567 |
| Net operating income to assets | 1.2630% | 1,413 |
| Return on assets (ROA) | 1.3834% | 1,238 |
| Pretax return on assets | 1.3834% | 2,097 |
| Return on Equity (ROE) | 17.0990% | 522 |
| Retained earnings to average equity (ytd only) | 6.4647% | 1,841 |
| Net charge-offs to loans | 0.3817% | 2,729 |
| Credit loss provision to net charge-offs | 34.0651% | 5,038 |
| Earnings coverage of net charge-offs (x) | 5.1188% | 3,144 |
| Efficiency ratio | 68.5897% | 4,037 |
| Assets per employee ($millions) | 4.3425% | 3,271 |
| Cash dividends to net income (ytd only)* | 62.1927% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,263 |
| Loan loss allowance to noncurrent loans | 55.2896% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6784% | 2,879 |
| Noncurrent loans to loans | 2.4968% | 2,116 |
| Net loans and leases to total assets | 65.4018% | 2,634 |
| Net loans and leases to deposits | 73.2376% | 3,220 |
| Net loans and leases to core deposits | 76.7414% | 3,436 |
| Total domestic deposits to total assets | 89.3008% | 1,372 |
| Equity capital to assets | 7.9603% | 6,427 |
| Core capital (leverage) ratio | 8.0544% | 6,140 |
| Tier 1 risk-based capital ratio | 10.9758% | 6,355 |
| Total risk-based capital ratio | 12.2271% | 6,316 |
| Memoranda: | ||
| Average total assets | $499,773,400 | 1,337 |
| Average earning assets | $459,526,600 | 1,327 |
| Average equity | $40,435,000 | 1,721 |
| Average total loans | $346,047,400 | 1,218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 3,592 |
| Cost of funding earning assets | 0.3785% | 6,241 |
| Net interest margin | 4.1333% | 1,957 |
| Noninterest income to average assets | 0.5566% | 3,565 |
| Noninterest expense to average assets | 2.8542% | 3,778 |
| Loan and lease loss provision to assets | 0.1219% | 4,030 |
| Net operating income to assets | 1.3778% | 1,271 |
| Return on assets (ROA) | 1.5403% | 1,064 |
| Pretax return on assets | 1.5403% | 1,753 |
| Return on Equity (ROE) | 18.9558% | 396 |
| Retained earnings to average equity (ytd only) | 4.6231% | 3,646 |
| Net charge-offs to loans | 0.3612% | 2,657 |
| Credit loss provision to net charge-offs | 48.1799% | 4,445 |
| Earnings coverage of net charge-offs (x) | 5.9283% | 2,890 |
| Efficiency ratio | 65.5552% | 4,530 |
| Assets per employee ($millions) | 4.1388% | 3,599 |
| Cash dividends to net income (ytd only)* | 75.6110% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 4,036 |
| Loan loss allowance to noncurrent loans | 47.0662% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1685% | 2,469 |
| Noncurrent loans to loans | 3.1410% | 1,765 |
| Net loans and leases to total assets | 68.0174% | 2,294 |
| Net loans and leases to deposits | 76.1898% | 2,954 |
| Net loans and leases to core deposits | 80.1458% | 3,190 |
| Total domestic deposits to total assets | 89.2736% | 1,261 |
| Equity capital to assets | 7.9969% | 6,589 |
| Core capital (leverage) ratio | 7.9272% | 6,381 |
| Tier 1 risk-based capital ratio | 10.7399% | 6,591 |
| Total risk-based capital ratio | 11.9925% | 6,572 |
| Memoranda: | ||
| Average total assets | $492,272,000 | 1,368 |
| Average earning assets | $452,248,250 | 1,367 |
| Average equity | $40,000,750 | 1,755 |
| Average total loans | $344,725,500 | 1,234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 3,305 |
| Cost of funding earning assets | 0.4026% | 6,249 |
| Net interest margin | 4.2098% | 1,724 |
| Noninterest income to average assets | 0.5774% | 3,394 |
| Noninterest expense to average assets | 2.8552% | 3,802 |
| Loan and lease loss provision to assets | 0.1855% | 3,246 |
| Net operating income to assets | 1.3975% | 1,200 |
| Return on assets (ROA) | 1.3806% | 1,382 |
| Pretax return on assets | 1.3806% | 2,286 |
| Return on Equity (ROE) | 16.8962% | 652 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | 0.5112% | 2,052 |
| Credit loss provision to net charge-offs | 51.5464% | 4,000 |
| Earnings coverage of net charge-offs (x) | 4.3998% | 3,100 |
| Efficiency ratio | 64.3328% | 4,825 |
| Assets per employee ($millions) | 3.9503% | 3,977 |
| Cash dividends to net income (ytd only)* | 100.0000% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,757 |
| Loan loss allowance to noncurrent loans | 46.8027% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 2,421 |
| Noncurrent loans to loans | 3.3264% | 1,751 |
| Net loans and leases to total assets | 68.4032% | 2,212 |
| Net loans and leases to deposits | 76.9630% | 2,844 |
| Net loans and leases to core deposits | 81.8560% | 2,982 |
| Total domestic deposits to total assets | 88.8780% | 1,586 |
| Equity capital to assets | 8.1069% | 6,512 |
| Core capital (leverage) ratio | 7.7413% | 6,492 |
| Tier 1 risk-based capital ratio | 10.6284% | 6,649 |
| Total risk-based capital ratio | 11.8818% | 6,637 |
| Memoranda: | ||
| Average total assets | $485,292,670 | 1,387 |
| Average earning assets | $445,054,330 | 1,385 |
| Average equity | $39,654,000 | 1,758 |
| Average total loans | $341,530,670 | 1,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,929 |
| Cost of funding earning assets | 0.4170% | 6,330 |
| Net interest margin | 4.3131% | 1,427 |
| Noninterest income to average assets | 0.6377% | 3,006 |
| Noninterest expense to average assets | 2.8165% | 3,964 |
| Loan and lease loss provision to assets | 0.1863% | 3,104 |
| Net operating income to assets | 1.5751% | 905 |
| Return on assets (ROA) | 1.5635% | 1,027 |
| Pretax return on assets | 1.5635% | 1,693 |
| Return on Equity (ROE) | 19.0584% | 450 |
| Retained earnings to average equity (ytd only) | 6.9450% | 2,463 |
| Net charge-offs to loans | 1.0043% | 1,031 |
| Credit loss provision to net charge-offs | 26.1932% | 3,689 |
| Earnings coverage of net charge-offs (x) | 2.4761% | 3,181 |
| Efficiency ratio | 61.5232% | 5,366 |
| Assets per employee ($millions) | 3.9915% | 4,027 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 4,205 |
| Loan loss allowance to noncurrent loans | 44.4377% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.3908% | 2,483 |
| Noncurrent loans to loans | 3.3553% | 1,891 |
| Net loans and leases to total assets | 69.6152% | 1,822 |
| Net loans and leases to deposits | 78.5599% | 2,406 |
| Net loans and leases to core deposits | 83.3750% | 2,626 |
| Total domestic deposits to total assets | 88.6142% | 1,945 |
| Equity capital to assets | 8.2939% | 6,277 |
| Core capital (leverage) ratio | 7.9640% | 6,289 |
| Tier 1 risk-based capital ratio | 10.7942% | 6,624 |
| Total risk-based capital ratio | 12.0466% | 6,611 |
| Memoranda: | ||
| Average total assets | $483,018,500 | 1,397 |
| Average earning assets | $441,262,000 | 1,393 |
| Average equity | $39,625,500 | 1,753 |
| Average total loans | $342,113,000 | 1,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 3,341 |
| Cost of funding earning assets | 0.5888% | 6,141 |
| Net interest margin | 4.3134% | 1,655 |
| Noninterest income to average assets | 0.7110% | 2,543 |
| Noninterest expense to average assets | 3.0905% | 3,233 |
| Loan and lease loss provision to assets | 0.2690% | 3,523 |
| Net operating income to assets | 1.3039% | 1,242 |
| Return on assets (ROA) | 1.3827% | 1,149 |
| Pretax return on assets | 1.3827% | 1,832 |
| Return on Equity (ROE) | 16.8239% | 491 |
| Retained earnings to average equity (ytd only) | 2.5680% | 4,401 |
| Net charge-offs to loans | 0.2338% | 4,319 |
| Credit loss provision to net charge-offs | 150.5508% | 1,872 |
| Earnings coverage of net charge-offs (x) | 8.8029% | 2,085 |
| Efficiency ratio | 66.2712% | 4,714 |
| Assets per employee ($millions) | 3.9923% | 3,875 |
| Cash dividends to net income (ytd only)* | 84.7358% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 3,308 |
| Loan loss allowance to noncurrent loans | 43.7897% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.7247% | 2,231 |
| Noncurrent loans to loans | 3.8105% | 1,647 |
| Net loans and leases to total assets | 69.8029% | 2,071 |
| Net loans and leases to deposits | 78.6568% | 2,735 |
| Net loans and leases to core deposits | 82.9317% | 3,035 |
| Total domestic deposits to total assets | 88.7436% | 1,692 |
| Equity capital to assets | 8.1135% | 6,503 |
| Core capital (leverage) ratio | 8.2305% | 5,951 |
| Tier 1 risk-based capital ratio | 10.5883% | 6,648 |
| Total risk-based capital ratio | 11.8431% | 6,624 |
| Memoranda: | ||
| Average total assets | $457,235,000 | 1,438 |
| Average earning assets | $418,971,400 | 1,431 |
| Average equity | $37,577,400 | 1,788 |
| Average total loans | $349,447,800 | 1,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 3,148 |
| Cost of funding earning assets | 0.6249% | 6,156 |
| Net interest margin | 4.3633% | 1,517 |
| Noninterest income to average assets | 0.7735% | 2,178 |
| Noninterest expense to average assets | 3.0672% | 3,292 |
| Loan and lease loss provision to assets | 0.2973% | 3,147 |
| Net operating income to assets | 1.4215% | 1,115 |
| Return on assets (ROA) | 1.4898% | 1,042 |
| Pretax return on assets | 1.4898% | 1,680 |
| Return on Equity (ROE) | 18.0663% | 451 |
| Retained earnings to average equity (ytd only) | -1.1478% | 6,176 |
| Net charge-offs to loans | 0.1375% | 4,682 |
| Credit loss provision to net charge-offs | 277.6243% | 1,030 |
| Earnings coverage of net charge-offs (x) | 16.0526% | 1,422 |
| Efficiency ratio | 64.0875% | 5,049 |
| Assets per employee ($millions) | 3.7570% | 4,395 |
| Cash dividends to net income (ytd only)* | 106.3530% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 3,127 |
| Loan loss allowance to noncurrent loans | 41.4716% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 3.1318% | 2,042 |
| Noncurrent loans to loans | 4.2074% | 1,559 |
| Net loans and leases to total assets | 72.5285% | 1,603 |
| Net loans and leases to deposits | 81.4208% | 2,461 |
| Net loans and leases to core deposits | 86.4112% | 2,717 |
| Total domestic deposits to total assets | 89.0787% | 1,386 |
| Equity capital to assets | 8.1958% | 6,569 |
| Core capital (leverage) ratio | 8.0062% | 6,393 |
| Tier 1 risk-based capital ratio | 10.3782% | 6,832 |
| Total risk-based capital ratio | 11.6340% | 6,811 |
| Memoranda: | ||
| Average total assets | $450,776,500 | 1,468 |
| Average earning assets | $414,543,000 | 1,451 |
| Average equity | $37,173,250 | 1,817 |
| Average total loans | $351,080,250 | 1,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 2,462 |
| Cost of funding earning assets | 0.6563% | 6,200 |
| Net interest margin | 4.4941% | 1,146 |
| Noninterest income to average assets | 0.8747% | 1,731 |
| Noninterest expense to average assets | 3.0859% | 3,305 |
| Loan and lease loss provision to assets | 0.3490% | 2,691 |
| Net operating income to assets | 1.5669% | 777 |
| Return on assets (ROA) | 1.5696% | 822 |
| Pretax return on assets | 1.5696% | 1,326 |
| Return on Equity (ROE) | 18.9930% | 389 |
| Retained earnings to average equity (ytd only) | -5.6795% | 6,625 |
| Net charge-offs to loans | 0.2082% | 3,901 |
| Credit loss provision to net charge-offs | 211.3821% | 1,428 |
| Earnings coverage of net charge-offs (x) | 11.6043% | 1,701 |
| Efficiency ratio | 61.6960% | 5,629 |
| Assets per employee ($millions) | 3.6476% | 4,571 |
| Cash dividends to net income (ytd only)* | 129.9031% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,597 |
| Loan loss allowance to noncurrent loans | 50.0569% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5530% | 2,616 |
| Noncurrent loans to loans | 3.2488% | 2,195 |
| Net loans and leases to total assets | 76.5012% | 1,002 |
| Net loans and leases to deposits | 86.0128% | 1,794 |
| Net loans and leases to core deposits | 92.0620% | 2,120 |
| Total domestic deposits to total assets | 88.9416% | 1,571 |
| Equity capital to assets | 8.1280% | 6,572 |
| Core capital (leverage) ratio | 7.9198% | 6,390 |
| Tier 1 risk-based capital ratio | 9.9765% | 6,982 |
| Total risk-based capital ratio | 11.2312% | 6,984 |
| Memoranda: | ||
| Average total assets | $447,000,330 | 1,489 |
| Average earning assets | $410,496,000 | 1,477 |
| Average equity | $36,940,000 | 1,812 |
| Average total loans | $354,403,670 | 1,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 1,813 |
| Cost of funding earning assets | 0.6719% | 6,290 |
| Net interest margin | 4.6462% | 788 |
| Noninterest income to average assets | 1.1801% | 922 |
| Noninterest expense to average assets | 3.1381% | 3,115 |
| Loan and lease loss provision to assets | 0.4186% | 2,098 |
| Net operating income to assets | 1.9003% | 405 |
| Return on assets (ROA) | 1.9003% | 428 |
| Pretax return on assets | 1.9003% | 681 |
| Return on Equity (ROE) | 22.8041% | 220 |
| Retained earnings to average equity (ytd only) | -2.4414% | 6,210 |
| Net charge-offs to loans | 0.4655% | 2,305 |
| Credit loss provision to net charge-offs | 112.3188% | 2,385 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,134 |
| Efficiency ratio | 57.5058% | 6,325 |
| Assets per employee ($millions) | 3.7483% | 4,431 |
| Cash dividends to net income (ytd only)* | 110.7058% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 4,088 |
| Loan loss allowance to noncurrent loans | 43.9839% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.7355% | 2,524 |
| Noncurrent loans to loans | 3.4668% | 2,152 |
| Net loans and leases to total assets | 76.9425% | 881 |
| Net loans and leases to deposits | 86.5072% | 1,650 |
| Net loans and leases to core deposits | 93.6367% | 1,937 |
| Total domestic deposits to total assets | 88.9435% | 1,805 |
| Equity capital to assets | 8.2484% | 6,227 |
| Core capital (leverage) ratio | 8.1747% | 6,004 |
| Tier 1 risk-based capital ratio | 10.2222% | 6,920 |
| Total risk-based capital ratio | 11.4757% | 6,914 |
| Memoranda: | ||
| Average total assets | $444,350,500 | 1,505 |
| Average earning assets | $409,018,500 | 1,492 |
| Average equity | $37,028,500 | 1,797 |
| Average total loans | $355,738,000 | 1,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 3,389 |
| Cost of funding earning assets | 0.9884% | 5,745 |
| Net interest margin | 4.2566% | 1,971 |
| Noninterest income to average assets | 0.6955% | 2,862 |
| Noninterest expense to average assets | 3.0608% | 3,626 |
| Loan and lease loss provision to assets | 0.3555% | 3,993 |
| Net operating income to assets | 1.1236% | 1,628 |
| Return on assets (ROA) | 1.1290% | 1,692 |
| Pretax return on assets | 1.1290% | 2,467 |
| Return on Equity (ROE) | 13.7638% | 937 |
| Retained earnings to average equity (ytd only) | 4.7518% | 2,575 |
| Net charge-offs to loans | 0.1583% | 5,399 |
| Credit loss provision to net charge-offs | 280.8850% | 965 |
| Earnings coverage of net charge-offs (x) | 11.6867% | 1,583 |
| Efficiency ratio | 67.4199% | 4,684 |
| Assets per employee ($millions) | 3.6575% | 4,562 |
| Cash dividends to net income (ytd only)* | 65.4762% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,161 |
| Loan loss allowance to noncurrent loans | 43.8460% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.7970% | 2,506 |
| Noncurrent loans to loans | 3.3625% | 2,261 |
| Net loans and leases to total assets | 80.8204% | 565 |
| Net loans and leases to deposits | 91.7081% | 1,294 |
| Net loans and leases to core deposits | 98.0068% | 1,798 |
| Total domestic deposits to total assets | 88.1279% | 2,175 |
| Equity capital to assets | 8.4201% | 5,966 |
| Core capital (leverage) ratio | 8.1011% | 6,013 |
| Tier 1 risk-based capital ratio | 10.1054% | 6,935 |
| Total risk-based capital ratio | 11.3584% | 6,914 |
| Memoranda: | ||
| Average total assets | $446,414,400 | 1,490 |
| Average earning assets | $403,183,800 | 1,508 |
| Average equity | $36,617,800 | 1,808 |
| Average total loans | $356,947,200 | 1,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 3,481 |
| Cost of funding earning assets | 1.0558% | 5,673 |
| Net interest margin | 4.2162% | 2,161 |
| Noninterest income to average assets | 0.7096% | 2,768 |
| Noninterest expense to average assets | 2.9557% | 3,906 |
| Loan and lease loss provision to assets | 0.3307% | 3,953 |
| Net operating income to assets | 1.2144% | 1,554 |
| Return on assets (ROA) | 1.2144% | 1,634 |
| Pretax return on assets | 1.2144% | 2,439 |
| Return on Equity (ROE) | 14.9011% | 879 |
| Retained earnings to average equity (ytd only) | 2.8576% | 4,425 |
| Net charge-offs to loans | 0.2010% | 4,737 |
| Credit loss provision to net charge-offs | 207.0764% | 1,708 |
| Earnings coverage of net charge-offs (x) | 9.6741% | 1,991 |
| Efficiency ratio | 65.6711% | 4,930 |
| Assets per employee ($millions) | 3.7701% | 4,341 |
| Cash dividends to net income (ytd only)* | 80.8230% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,638 |
| Loan loss allowance to noncurrent loans | 56.2435% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 3,475 |
| Noncurrent loans to loans | 2.4292% | 3,205 |
| Net loans and leases to total assets | 79.5413% | 818 |
| Net loans and leases to deposits | 92.5173% | 1,382 |
| Net loans and leases to core deposits | 98.7420% | 1,965 |
| Total domestic deposits to total assets | 85.9745% | 3,089 |
| Equity capital to assets | 8.3622% | 6,441 |
| Core capital (leverage) ratio | 7.8398% | 6,532 |
| Tier 1 risk-based capital ratio | 9.9066% | 7,112 |
| Total risk-based capital ratio | 11.1580% | 7,102 |
| Memoranda: | ||
| Average total assets | $448,292,000 | 1,509 |
| Average earning assets | $403,102,000 | 1,530 |
| Average equity | $36,533,250 | 1,833 |
| Average total loans | $356,176,000 | 1,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 3,509 |
| Cost of funding earning assets | 1.1223% | 5,563 |
| Net interest margin | 4.1689% | 2,268 |
| Noninterest income to average assets | 0.8600% | 1,840 |
| Noninterest expense to average assets | 3.0611% | 3,467 |
| Loan and lease loss provision to assets | 0.2671% | 4,252 |
| Net operating income to assets | 1.2554% | 1,416 |
| Return on assets (ROA) | 1.2554% | 1,480 |
| Pretax return on assets | 1.2554% | 2,240 |
| Return on Equity (ROE) | 15.5373% | 758 |
| Retained earnings to average equity (ytd only) | 0.1593% | 5,684 |
| Net charge-offs to loans | 0.2279% | 4,234 |
| Credit loss provision to net charge-offs | 148.2759% | 2,662 |
| Earnings coverage of net charge-offs (x) | 8.4507% | 2,134 |
| Efficiency ratio | 66.7828% | 4,825 |
| Assets per employee ($millions) | 3.6560% | 4,576 |
| Cash dividends to net income (ytd only)* | 98.9749% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 5,067 |
| Loan loss allowance to noncurrent loans | 49.0155% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.0708% | 3,419 |
| Noncurrent loans to loans | 2.5981% | 3,039 |
| Net loans and leases to total assets | 77.2502% | 1,245 |
| Net loans and leases to deposits | 92.3612% | 1,473 |
| Net loans and leases to core deposits | 98.7608% | 2,145 |
| Total domestic deposits to total assets | 83.6392% | 4,272 |
| Equity capital to assets | 8.0351% | 6,720 |
| Core capital (leverage) ratio | 7.6993% | 6,610 |
| Tier 1 risk-based capital ratio | 9.7552% | 7,158 |
| Total risk-based capital ratio | 11.0054% | 7,144 |
| Memoranda: | ||
| Average total assets | $450,688,330 | 1,517 |
| Average earning assets | $402,555,000 | 1,540 |
| Average equity | $36,415,670 | 1,829 |
| Average total loans | $356,328,330 | 1,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 3,561 |
| Cost of funding earning assets | 1.1522% | 5,649 |
| Net interest margin | 4.1461% | 2,248 |
| Noninterest income to average assets | 1.1038% | 1,035 |
| Noninterest expense to average assets | 3.2049% | 2,844 |
| Loan and lease loss provision to assets | 0.3342% | 3,390 |
| Net operating income to assets | 1.3289% | 1,227 |
| Return on assets (ROA) | 1.3289% | 1,300 |
| Pretax return on assets | 1.3289% | 1,971 |
| Return on Equity (ROE) | 16.4018% | 669 |
| Retained earnings to average equity (ytd only) | 6.5541% | 2,346 |
| Net charge-offs to loans | 0.3302% | 3,084 |
| Credit loss provision to net charge-offs | 127.3649% | 2,770 |
| Earnings coverage of net charge-offs (x) | 6.3378% | 2,241 |
| Efficiency ratio | 65.8350% | 5,155 |
| Assets per employee ($millions) | 3.6681% | 4,655 |
| Cash dividends to net income (ytd only)* | 60.0400% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,357 |
| Loan loss allowance to noncurrent loans | 51.2682% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.9570% | 3,553 |
| Noncurrent loans to loans | 2.3921% | 3,283 |
| Net loans and leases to total assets | 79.2281% | 945 |
| Net loans and leases to deposits | 98.7858% | 842 |
| Net loans and leases to core deposits | 106.6283% | 1,526 |
| Total domestic deposits to total assets | 80.2019% | 5,717 |
| Equity capital to assets | 8.2866% | 6,319 |
| Core capital (leverage) ratio | 7.7425% | 6,581 |
| Tier 1 risk-based capital ratio | 9.8047% | 7,153 |
| Total risk-based capital ratio | 11.0304% | 7,163 |
| Memoranda: | ||
| Average total assets | $451,186,500 | 1,553 |
| Average earning assets | $409,639,500 | 1,549 |
| Average equity | $36,557,000 | 1,839 |
| Average total loans | $358,558,000 | 1,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 4,554 |
| Cost of funding earning assets | 1.4621% | 5,673 |
| Net interest margin | 3.9648% | 3,005 |
| Noninterest income to average assets | 0.6543% | 3,260 |
| Noninterest expense to average assets | 3.0741% | 3,856 |
| Loan and lease loss provision to assets | 0.4776% | 3,969 |
| Net operating income to assets | 0.7399% | 2,772 |
| Return on assets (ROA) | 0.7478% | 2,822 |
| Pretax return on assets | 0.7478% | 3,414 |
| Return on Equity (ROE) | 9.3784% | 1,892 |
| Retained earnings to average equity (ytd only) | 1.3301% | 4,113 |
| Net charge-offs to loans | 0.3701% | 4,365 |
| Credit loss provision to net charge-offs | 164.2912% | 2,655 |
| Earnings coverage of net charge-offs (x) | 4.1882% | 3,024 |
| Efficiency ratio | 71.6317% | 4,325 |
| Assets per employee ($millions) | 3.8211% | 4,231 |
| Cash dividends to net income (ytd only)* | 85.8175% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,435 |
| Loan loss allowance to noncurrent loans | 52.7443% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 3,719 |
| Noncurrent loans to loans | 2.2503% | 3,331 |
| Net loans and leases to total assets | 77.8173% | 1,423 |
| Net loans and leases to deposits | 99.8743% | 917 |
| Net loans and leases to core deposits | 125.8308% | 1,528 |
| Total domestic deposits to total assets | 77.9152% | 6,237 |
| Equity capital to assets | 7.9241% | 6,646 |
| Core capital (leverage) ratio | 7.6649% | 6,594 |
| Tier 1 risk-based capital ratio | 9.2742% | 7,344 |
| Total risk-based capital ratio | 10.4321% | 7,388 |
| Memoranda: | ||
| Average total assets | $444,123,000 | 1,567 |
| Average earning assets | $407,434,800 | 1,554 |
| Average equity | $35,411,200 | 1,904 |
| Average total loans | $348,867,400 | 1,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 4,535 |
| Cost of funding earning assets | 1.5248% | 5,732 |
| Net interest margin | 3.9529% | 3,022 |
| Noninterest income to average assets | 0.6413% | 3,410 |
| Noninterest expense to average assets | 3.0327% | 3,917 |
| Loan and lease loss provision to assets | 0.4858% | 3,474 |
| Net operating income to assets | 0.7558% | 3,004 |
| Return on assets (ROA) | 0.7663% | 3,017 |
| Pretax return on assets | 0.7663% | 3,640 |
| Return on Equity (ROE) | 9.5961% | 2,067 |
| Retained earnings to average equity (ytd only) | -1.2052% | 5,536 |
| Net charge-offs to loans | 0.1554% | 5,155 |
| Credit loss provision to net charge-offs | 398.2630% | 999 |
| Earnings coverage of net charge-offs (x) | 10.1787% | 1,993 |
| Efficiency ratio | 70.9531% | 4,434 |
| Assets per employee ($millions) | 3.6635% | 4,507 |
| Cash dividends to net income (ytd only)* | 112.5592% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 4,310 |
| Loan loss allowance to noncurrent loans | 49.4372% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.1072% | 3,204 |
| Noncurrent loans to loans | 2.6927% | 2,816 |
| Net loans and leases to total assets | 77.2132% | 1,737 |
| Net loans and leases to deposits | 97.4303% | 1,392 |
| Net loans and leases to core deposits | 123.1919% | 1,978 |
| Total domestic deposits to total assets | 79.2496% | 5,712 |
| Equity capital to assets | 7.9635% | 6,885 |
| Core capital (leverage) ratio | 7.6362% | 6,817 |
| Tier 1 risk-based capital ratio | 9.4515% | 7,405 |
| Total risk-based capital ratio | 10.7023% | 7,371 |
| Memoranda: | ||
| Average total assets | $440,519,500 | 1,584 |
| Average earning assets | $404,860,000 | 1,577 |
| Average equity | $35,180,250 | 1,930 |
| Average total loans | $345,807,500 | 1,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 4,354 |
| Cost of funding earning assets | 1.5599% | 5,886 |
| Net interest margin | 3.9867% | 2,760 |
| Noninterest income to average assets | 0.6214% | 3,531 |
| Noninterest expense to average assets | 3.0754% | 3,791 |
| Loan and lease loss provision to assets | 0.3376% | 3,916 |
| Net operating income to assets | 0.8636% | 2,595 |
| Return on assets (ROA) | 0.8796% | 2,645 |
| Pretax return on assets | 0.8796% | 3,403 |
| Return on Equity (ROE) | 11.0037% | 1,699 |
| Retained earnings to average equity (ytd only) | -2.9792% | 5,970 |
| Net charge-offs to loans | 0.1753% | 4,484 |
| Credit loss provision to net charge-offs | 245.0331% | 1,899 |
| Earnings coverage of net charge-offs (x) | 8.7185% | 2,225 |
| Efficiency ratio | 71.9117% | 4,433 |
| Assets per employee ($millions) | 3.4932% | 4,828 |
| Cash dividends to net income (ytd only)* | 127.0747% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,468 |
| Loan loss allowance to noncurrent loans | 57.3006% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.5830% | 3,839 |
| Noncurrent loans to loans | 1.9515% | 3,588 |
| Net loans and leases to total assets | 78.8375% | 1,565 |
| Net loans and leases to deposits | 99.8199% | 1,303 |
| Net loans and leases to core deposits | 124.3861% | 1,989 |
| Total domestic deposits to total assets | 78.9798% | 5,822 |
| Equity capital to assets | 8.0956% | 6,637 |
| Core capital (leverage) ratio | 7.8036% | 6,609 |
| Tier 1 risk-based capital ratio | 9.3704% | 7,492 |
| Total risk-based capital ratio | 10.4647% | 7,582 |
| Memoranda: | ||
| Average total assets | $438,375,670 | 1,612 |
| Average earning assets | $401,939,670 | 1,612 |
| Average equity | $35,042,670 | 1,938 |
| Average total loans | $344,489,670 | 1,450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7159% | 3,713 |
| Cost of funding earning assets | 1.6149% | 5,966 |
| Net interest margin | 4.1010% | 2,262 |
| Noninterest income to average assets | 0.6366% | 3,297 |
| Noninterest expense to average assets | 2.9870% | 3,822 |
| Loan and lease loss provision to assets | 0.3916% | 2,978 |
| Net operating income to assets | 1.0136% | 2,253 |
| Return on assets (ROA) | 1.0454% | 2,276 |
| Pretax return on assets | 1.0454% | 3,184 |
| Return on Equity (ROE) | 13.1616% | 1,345 |
| Retained earnings to average equity (ytd only) | -6.9018% | 6,784 |
| Net charge-offs to loans | 0.0420% | 4,894 |
| Credit loss provision to net charge-offs | 1,194.4444% | 537 |
| Earnings coverage of net charge-offs (x) | 42.8611% | 805 |
| Efficiency ratio | 68.0075% | 4,967 |
| Assets per employee ($millions) | 3.3551% | 5,191 |
| Cash dividends to net income (ytd only)* | 152.4390% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,235 |
| Loan loss allowance to noncurrent loans | 72.6038% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 4,214 |
| Noncurrent loans to loans | 1.5613% | 3,942 |
| Net loans and leases to total assets | 78.1509% | 1,784 |
| Net loans and leases to deposits | 98.5541% | 1,590 |
| Net loans and leases to core deposits | 120.0386% | 2,410 |
| Total domestic deposits to total assets | 79.2975% | 5,607 |
| Equity capital to assets | 8.2081% | 6,526 |
| Core capital (leverage) ratio | 7.5264% | 7,128 |
| Tier 1 risk-based capital ratio | 9.5264% | 7,404 |
| Total risk-based capital ratio | 10.6288% | 7,483 |
| Memoranda: | ||
| Average total assets | $439,240,500 | 1,617 |
| Average earning assets | $402,243,000 | 1,623 |
| Average equity | $34,889,500 | 1,952 |
| Average total loans | $342,667,500 | 1,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3960% | 3,440 |
| Cost of funding earning assets | 2.0956% | 6,070 |
| Net interest margin | 4.3004% | 1,969 |
| Noninterest income to average assets | 0.7751% | 2,643 |
| Noninterest expense to average assets | 3.3411% | 2,836 |
| Loan and lease loss provision to assets | 0.2760% | 4,181 |
| Net operating income to assets | 1.0826% | 2,217 |
| Return on assets (ROA) | 1.0826% | 2,133 |
| Pretax return on assets | 1.0826% | 3,083 |
| Return on Equity (ROE) | 13.5343% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.4089% | 1,806 |
| Net charge-offs to loans | 0.1432% | 4,785 |
| Credit loss provision to net charge-offs | 252.4123% | 1,840 |
| Earnings coverage of net charge-offs (x) | 12.4232% | 2,245 |
| Efficiency ratio | 71.0910% | 4,116 |
| Assets per employee ($millions) | 4.4022% | 2,787 |
| Cash dividends to net income (ytd only)* | 60.0354% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,069 |
| Loan loss allowance to noncurrent loans | 303.3363% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 6,554 |
| Noncurrent loans to loans | 0.3293% | 6,386 |
| Net loans and leases to total assets | 76.2559% | 2,556 |
| Net loans and leases to deposits | 103.5617% | 1,388 |
| Net loans and leases to core deposits | 124.1733% | 2,311 |
| Total domestic deposits to total assets | 73.6334% | 6,710 |
| Equity capital to assets | 7.6898% | 7,214 |
| Core capital (leverage) ratio | 7.8216% | 6,771 |
| Tier 1 risk-based capital ratio | 9.1603% | 7,657 |
| Total risk-based capital ratio | 10.1236% | 7,894 |
| Memoranda: | ||
| Average total assets | $416,956,600 | 1,635 |
| Average earning assets | $380,518,600 | 1,635 |
| Average equity | $33,352,400 | 2,027 |
| Average total loans | $318,386,800 | 1,521 |