Home > Reliabank Dakota > Performance and Condition Ratios
Reliabank Dakota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 3,022 |
| Cost of funding earning assets | 2.2885% | 555 |
| Net interest margin | 2.2555% | 4,282 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.9413% | 3,752 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5191% | 3,631 |
| Return on assets (ROA) | 0.5187% | 3,621 |
| Pretax return on assets | 0.5548% | 3,712 |
| Return on Equity (ROE) | 12.3600% | 1,874 |
| Retained earnings to average equity (ytd only) | 12.3641% | 593 |
| Net charge-offs to loans | -0.0148% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.4506% | 1,299 |
| Assets per employee ($millions) | 10.2552% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,608 |
| Loan loss allowance to noncurrent loans | 147.5686% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 1,462 |
| Noncurrent loans to loans | 0.6305% | 1,250 |
| Net loans and leases to total assets | 58.6300% | 2,981 |
| Net loans and leases to deposits | 76.5388% | 2,398 |
| Net loans and leases to core deposits | 88.0473% | 2,174 |
| Total domestic deposits to total assets | 76.6100% | 3,881 |
| Equity capital to assets | 5.3073% | 4,368 |
| Core capital (leverage) ratio | 8.4109% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0584% | 2,223 |
| Memoranda: | ||
| Average total assets | $797,925,600 | 1,190 |
| Average earning assets | $758,264,200 | 1,157 |
| Average equity | $33,476,000 | 2,117 |
| Average total loans | $466,578,200 | 1,306 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 2,944 |
| Cost of funding earning assets | 2.2029% | 497 |
| Net interest margin | 2.2828% | 4,310 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.9986% | 3,599 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5250% | 3,709 |
| Return on assets (ROA) | 0.5245% | 3,696 |
| Pretax return on assets | 0.5660% | 3,794 |
| Return on Equity (ROE) | 13.4100% | 1,818 |
| Retained earnings to average equity (ytd only) | 13.4078% | 756 |
| Net charge-offs to loans | -0.0196% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.4174% | 1,139 |
| Assets per employee ($millions) | 9.9783% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 3,827 |
| Loan loss allowance to noncurrent loans | 98.5046% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 1,099 |
| Noncurrent loans to loans | 0.8817% | 938 |
| Net loans and leases to total assets | 59.3400% | 2,905 |
| Net loans and leases to deposits | 71.8455% | 2,716 |
| Net loans and leases to core deposits | 83.2035% | 2,377 |
| Total domestic deposits to total assets | 82.5900% | 3,093 |
| Equity capital to assets | 3.1615% | 4,477 |
| Core capital (leverage) ratio | 8.0265% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5151% | 2,447 |
| Memoranda: | ||
| Average total assets | $794,867,000 | 1,190 |
| Average earning assets | $755,302,000 | 1,163 |
| Average equity | $31,095,500 | 2,207 |
| Average total loans | $463,351,750 | 1,308 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 3,117 |
| Cost of funding earning assets | 1.9954% | 498 |
| Net interest margin | 2.2946% | 4,369 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.0496% | 3,463 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4946% | 3,822 |
| Return on assets (ROA) | 0.4939% | 3,831 |
| Pretax return on assets | 0.5319% | 3,910 |
| Return on Equity (ROE) | 11.8600% | 2,196 |
| Retained earnings to average equity (ytd only) | 11.8614% | 1,012 |
| Net charge-offs to loans | -0.0301% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4151% | 970 |
| Assets per employee ($millions) | 10.2702% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 3,908 |
| Loan loss allowance to noncurrent loans | 148.9697% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 1,571 |
| Noncurrent loans to loans | 0.5703% | 1,313 |
| Net loans and leases to total assets | 57.9300% | 2,968 |
| Net loans and leases to deposits | 72.4571% | 2,615 |
| Net loans and leases to core deposits | 78.6390% | 2,573 |
| Total domestic deposits to total assets | 79.9500% | 3,583 |
| Equity capital to assets | 4.3786% | 4,462 |
| Core capital (leverage) ratio | 8.2226% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7781% | 2,380 |
| Memoranda: | ||
| Average total assets | $793,733,667 | 1,188 |
| Average earning assets | $754,818,333 | 1,159 |
| Average equity | $33,048,333 | 2,139 |
| Average total loans | $458,524,333 | 1,307 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,049 |
| Cost of funding earning assets | 1.6439% | 639 |
| Net interest margin | 2.5536% | 4,252 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.1198% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6611% | 3,549 |
| Return on assets (ROA) | 0.6597% | 3,512 |
| Pretax return on assets | 0.7078% | 3,645 |
| Return on Equity (ROE) | 16.2700% | 1,302 |
| Retained earnings to average equity (ytd only) | 16.2700% | 664 |
| Net charge-offs to loans | -0.0591% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.9284% | 1,252 |
| Assets per employee ($millions) | 9.7589% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 3,975 |
| Loan loss allowance to noncurrent loans | 149.4177% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 1,522 |
| Noncurrent loans to loans | 0.5713% | 1,302 |
| Net loans and leases to total assets | 57.2600% | 2,935 |
| Net loans and leases to deposits | 67.8442% | 2,782 |
| Net loans and leases to core deposits | 73.3731% | 2,728 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 4.4759% | 4,496 |
| Core capital (leverage) ratio | 8.1170% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1495% | 2,334 |
| Memoranda: | ||
| Average total assets | $790,063,000 | 1,208 |
| Average earning assets | $752,822,000 | 1,180 |
| Average equity | $32,034,500 | 2,214 |
| Average total loans | $453,783,500 | 1,330 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 2,666 |
| Cost of funding earning assets | 0.8449% | 333 |
| Net interest margin | 2.8016% | 3,889 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0679% | 3,389 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9535% | 2,756 |
| Return on assets (ROA) | 0.9503% | 2,716 |
| Pretax return on assets | 1.0064% | 3,059 |
| Return on Equity (ROE) | 20.3200% | 449 |
| Retained earnings to average equity (ytd only) | 20.3207% | 84 |
| Net charge-offs to loans | 0.0271% | 1,518 |
| Credit loss provision to net charge-offs | 517.2414% | 663 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 1,140 |
| Efficiency ratio | 65.5384% | 2,287 |
| Assets per employee ($millions) | 10.3820% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 3,967 |
| Loan loss allowance to noncurrent loans | 133.4510% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,424 |
| Noncurrent loans to loans | 0.6206% | 1,199 |
| Net loans and leases to total assets | 56.6500% | 2,951 |
| Net loans and leases to deposits | 63.4935% | 3,081 |
| Net loans and leases to core deposits | 67.2406% | 3,054 |
| Total domestic deposits to total assets | 89.2200% | 1,661 |
| Equity capital to assets | 3.6433% | 4,554 |
| Core capital (leverage) ratio | 7.9351% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6775% | 2,495 |
| Memoranda: | ||
| Average total assets | $773,429,800 | 1,213 |
| Average earning assets | $741,011,000 | 1,176 |
| Average equity | $36,170,000 | 2,062 |
| Average total loans | $428,610,200 | 1,315 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 2,614 |
| Cost of funding earning assets | 0.6470% | 342 |
| Net interest margin | 2.8543% | 3,609 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.0615% | 3,316 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0108% | 2,444 |
| Return on assets (ROA) | 1.0066% | 2,425 |
| Pretax return on assets | 1.0787% | 2,785 |
| Return on Equity (ROE) | 20.3500% | 404 |
| Retained earnings to average equity (ytd only) | 20.3521% | 95 |
| Net charge-offs to loans | 0.0379% | 1,119 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 56.9250% | 1,205 |
| Efficiency ratio | 63.4491% | 2,629 |
| Assets per employee ($millions) | 9.9425% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,025 |
| Loan loss allowance to noncurrent loans | 126.7785% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,412 |
| Noncurrent loans to loans | 0.6525% | 1,252 |
| Net loans and leases to total assets | 57.6700% | 2,738 |
| Net loans and leases to deposits | 62.0524% | 3,020 |
| Net loans and leases to core deposits | 64.4295% | 3,077 |
| Total domestic deposits to total assets | 92.9300% | 598 |
| Equity capital to assets | 2.3449% | 4,645 |
| Core capital (leverage) ratio | 7.8719% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2590% | 2,728 |
| Memoranda: | ||
| Average total assets | $766,933,000 | 1,227 |
| Average earning assets | $736,518,250 | 1,190 |
| Average equity | $37,931,250 | 2,025 |
| Average total loans | $421,599,750 | 1,326 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 2,590 |
| Cost of funding earning assets | 0.4878% | 553 |
| Net interest margin | 2.8587% | 3,270 |
| Noninterest income to average assets | 0.4935% | 2,238 |
| Noninterest expense to average assets | 2.0632% | 3,255 |
| Loan and lease loss provision to assets | 0.0394% | 1,876 |
| Net operating income to assets | 1.0678% | 1,911 |
| Return on assets (ROA) | 1.0587% | 1,909 |
| Pretax return on assets | 1.1283% | 2,312 |
| Return on Equity (ROE) | 18.1251% | 461 |
| Retained earnings to average equity (ytd only) | 18.1251% | 110 |
| Net charge-offs to loans | 0.0610% | 797 |
| Credit loss provision to net charge-offs | 120.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 35.8320% | 1,311 |
| Efficiency ratio | 63.6651% | 2,816 |
| Assets per employee ($millions) | 9.3880% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,226 |
| Loan loss allowance to noncurrent loans | 103.3593% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 1,357 |
| Noncurrent loans to loans | 0.7434% | 1,159 |
| Net loans and leases to total assets | 55.0775% | 2,847 |
| Net loans and leases to deposits | 60.2477% | 3,030 |
| Net loans and leases to core deposits | 61.7075% | 3,138 |
| Total domestic deposits to total assets | 91.4183% | 1,054 |
| Equity capital to assets | 3.9114% | 4,635 |
| Core capital (leverage) ratio | 7.9799% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2964% | 2,726 |
| Memoranda: | ||
| Average total assets | $760,758,000 | 1,239 |
| Average earning assets | $731,104,333 | 1,210 |
| Average equity | $44,435,667 | 1,849 |
| Average total loans | $409,889,333 | 1,350 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 2,678 |
| Cost of funding earning assets | 0.4317% | 714 |
| Net interest margin | 2.7726% | 3,217 |
| Noninterest income to average assets | 0.4976% | 2,148 |
| Noninterest expense to average assets | 1.9768% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1160% | 1,488 |
| Return on assets (ROA) | 1.0975% | 1,529 |
| Pretax return on assets | 1.1672% | 1,928 |
| Return on Equity (ROE) | 16.0422% | 527 |
| Retained earnings to average equity (ytd only) | 16.0422% | 228 |
| Net charge-offs to loans | 0.1345% | 418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 16.6418% | 1,333 |
| Efficiency ratio | 62.4832% | 3,207 |
| Assets per employee ($millions) | 9.2493% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,260 |
| Loan loss allowance to noncurrent loans | 96.0243% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 1,402 |
| Noncurrent loans to loans | 0.8226% | 1,145 |
| Net loans and leases to total assets | 51.7657% | 3,007 |
| Net loans and leases to deposits | 56.3250% | 3,239 |
| Net loans and leases to core deposits | 57.8389% | 3,308 |
| Total domestic deposits to total assets | 91.9053% | 613 |
| Equity capital to assets | 5.5580% | 4,654 |
| Core capital (leverage) ratio | 7.8801% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8476% | 2,661 |
| Memoranda: | ||
| Average total assets | $751,533,000 | 1,258 |
| Average earning assets | $722,655,500 | 1,222 |
| Average equity | $51,414,500 | 1,700 |
| Average total loans | $398,588,500 | 1,372 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 2,169 |
| Cost of funding earning assets | 0.5708% | 631 |
| Net interest margin | 3.1121% | 2,871 |
| Noninterest income to average assets | 0.7372% | 1,631 |
| Noninterest expense to average assets | 2.4395% | 2,367 |
| Loan and lease loss provision to assets | 0.0696% | 1,686 |
| Net operating income to assets | 1.1597% | 2,063 |
| Return on assets (ROA) | 1.2007% | 1,971 |
| Pretax return on assets | 1.2570% | 2,494 |
| Return on Equity (ROE) | 13.9832% | 1,195 |
| Retained earnings to average equity (ytd only) | 11.6325% | 590 |
| Net charge-offs to loans | 0.0076% | 2,298 |
| Credit loss provision to net charge-offs | 1,628.5714% | 362 |
| Earnings coverage of net charge-offs (x) | 300.5357% | 409 |
| Efficiency ratio | 65.5194% | 2,336 |
| Assets per employee ($millions) | 8.5509% | 1,065 |
| Cash dividends to net income (ytd only)* | 16.8107% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,207 |
| Loan loss allowance to noncurrent loans | 84.9125% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 1,251 |
| Noncurrent loans to loans | 0.9793% | 1,017 |
| Net loans and leases to total assets | 53.4849% | 2,912 |
| Net loans and leases to deposits | 60.1102% | 3,062 |
| Net loans and leases to core deposits | 61.9102% | 3,173 |
| Total domestic deposits to total assets | 88.9781% | 1,527 |
| Equity capital to assets | 8.1810% | 4,247 |
| Core capital (leverage) ratio | 8.0994% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6391% | 2,738 |
| Memoranda: | ||
| Average total assets | $655,459,400 | 1,354 |
| Average earning assets | $628,926,200 | 1,323 |
| Average equity | $56,281,800 | 1,604 |
| Average total loans | $370,734,600 | 1,457 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 2,002 |
| Cost of funding earning assets | 0.5960% | 651 |
| Net interest margin | 3.2117% | 2,697 |
| Noninterest income to average assets | 0.8166% | 1,474 |
| Noninterest expense to average assets | 2.3593% | 2,567 |
| Loan and lease loss provision to assets | 0.0642% | 1,716 |
| Net operating income to assets | 1.3817% | 1,594 |
| Return on assets (ROA) | 1.4294% | 1,515 |
| Pretax return on assets | 1.5272% | 1,917 |
| Return on Equity (ROE) | 16.4228% | 861 |
| Retained earnings to average equity (ytd only) | 14.4606% | 465 |
| Net charge-offs to loans | 0.0081% | 2,016 |
| Credit loss provision to net charge-offs | 1,390.9091% | 424 |
| Earnings coverage of net charge-offs (x) | 333.7727% | 408 |
| Efficiency ratio | 60.4960% | 2,912 |
| Assets per employee ($millions) | 8.3411% | 1,115 |
| Cash dividends to net income (ytd only)* | 11.9477% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,301 |
| Loan loss allowance to noncurrent loans | 146.8343% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 2,192 |
| Noncurrent loans to loans | 0.5678% | 1,889 |
| Net loans and leases to total assets | 54.1891% | 2,948 |
| Net loans and leases to deposits | 61.2957% | 3,113 |
| Net loans and leases to core deposits | 63.3214% | 3,193 |
| Total domestic deposits to total assets | 88.4060% | 1,618 |
| Equity capital to assets | 8.6612% | 4,096 |
| Core capital (leverage) ratio | 8.6003% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0954% | 2,681 |
| Memoranda: | ||
| Average total assets | $635,480,750 | 1,403 |
| Average earning assets | $610,093,750 | 1,372 |
| Average equity | $55,312,000 | 1,644 |
| Average total loans | $364,265,250 | 1,505 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 2,214 |
| Cost of funding earning assets | 0.6347% | 624 |
| Net interest margin | 3.1112% | 3,001 |
| Noninterest income to average assets | 0.8308% | 1,454 |
| Noninterest expense to average assets | 2.3992% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3289% | 1,777 |
| Return on assets (ROA) | 1.3680% | 1,732 |
| Pretax return on assets | 1.4575% | 2,148 |
| Return on Equity (ROE) | 15.6878% | 1,020 |
| Retained earnings to average equity (ytd only) | 12.6596% | 780 |
| Net charge-offs to loans | 0.0167% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 600 |
| Efficiency ratio | 62.8858% | 2,597 |
| Assets per employee ($millions) | 8.4524% | 1,024 |
| Cash dividends to net income (ytd only)* | 19.3028% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 4,460 |
| Loan loss allowance to noncurrent loans | 109.6525% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 2,029 |
| Noncurrent loans to loans | 0.6786% | 1,728 |
| Net loans and leases to total assets | 56.7351% | 2,809 |
| Net loans and leases to deposits | 64.5820% | 2,939 |
| Net loans and leases to core deposits | 66.5501% | 3,070 |
| Total domestic deposits to total assets | 87.8498% | 1,914 |
| Equity capital to assets | 8.7558% | 4,008 |
| Core capital (leverage) ratio | 8.5891% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8230% | 2,768 |
| Memoranda: | ||
| Average total assets | $616,536,000 | 1,428 |
| Average earning assets | $591,420,000 | 1,401 |
| Average equity | $53,761,667 | 1,671 |
| Average total loans | $359,582,667 | 1,525 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 2,688 |
| Cost of funding earning assets | 0.7312% | 488 |
| Net interest margin | 2.8549% | 3,628 |
| Noninterest income to average assets | 0.8495% | 1,464 |
| Noninterest expense to average assets | 2.4375% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0783% | 2,544 |
| Return on assets (ROA) | 1.0783% | 2,627 |
| Pretax return on assets | 1.1446% | 3,003 |
| Return on Equity (ROE) | 12.3946% | 1,874 |
| Retained earnings to average equity (ytd only) | 6.0611% | 2,871 |
| Net charge-offs to loans | 0.1228% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.8037% | 1,336 |
| Efficiency ratio | 68.0461% | 1,929 |
| Assets per employee ($millions) | 7.6955% | 1,344 |
| Cash dividends to net income (ytd only)* | 51.0986% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,444 |
| Loan loss allowance to noncurrent loans | 106.1060% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,995 |
| Noncurrent loans to loans | 0.7359% | 1,761 |
| Net loans and leases to total assets | 57.0245% | 2,903 |
| Net loans and leases to deposits | 64.5053% | 3,080 |
| Net loans and leases to core deposits | 66.7248% | 3,180 |
| Total domestic deposits to total assets | 88.4028% | 1,655 |
| Equity capital to assets | 8.2209% | 4,344 |
| Core capital (leverage) ratio | 8.1141% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1543% | 2,898 |
| Memoranda: | ||
| Average total assets | $590,934,000 | 1,468 |
| Average earning assets | $565,623,000 | 1,436 |
| Average equity | $51,409,500 | 1,724 |
| Average total loans | $348,532,500 | 1,566 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,168 |
| Cost of funding earning assets | 0.8633% | 979 |
| Net interest margin | 3.7016% | 1,792 |
| Noninterest income to average assets | 0.9558% | 1,130 |
| Noninterest expense to average assets | 2.7392% | 2,119 |
| Loan and lease loss provision to assets | 0.1163% | 2,900 |
| Net operating income to assets | 1.5424% | 724 |
| Return on assets (ROA) | 1.5509% | 774 |
| Pretax return on assets | 1.6344% | 993 |
| Return on Equity (ROE) | 16.7879% | 431 |
| Retained earnings to average equity (ytd only) | 12.0682% | 305 |
| Net charge-offs to loans | 0.3262% | 543 |
| Credit loss provision to net charge-offs | 54.0761% | 3,122 |
| Earnings coverage of net charge-offs (x) | 8.1014% | 2,632 |
| Efficiency ratio | 61.1299% | 3,285 |
| Assets per employee ($millions) | 7.0778% | 1,529 |
| Cash dividends to net income (ytd only)* | 28.1140% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,346 |
| Loan loss allowance to noncurrent loans | 355.6382% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 3,269 |
| Noncurrent loans to loans | 0.2351% | 3,356 |
| Net loans and leases to total assets | 60.1112% | 2,852 |
| Net loans and leases to deposits | 67.5257% | 3,132 |
| Net loans and leases to core deposits | 71.2610% | 3,154 |
| Total domestic deposits to total assets | 89.0198% | 981 |
| Equity capital to assets | 9.2203% | 3,869 |
| Core capital (leverage) ratio | 8.5037% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0494% | 3,080 |
| Memoranda: | ||
| Average total assets | $513,509,200 | 1,508 |
| Average earning assets | $489,026,600 | 1,480 |
| Average equity | $47,438,800 | 1,778 |
| Average total loans | $338,397,200 | 1,543 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 1,474 |
| Cost of funding earning assets | 0.9232% | 989 |
| Net interest margin | 3.6193% | 2,207 |
| Noninterest income to average assets | 0.8882% | 1,264 |
| Noninterest expense to average assets | 2.7149% | 2,214 |
| Loan and lease loss provision to assets | 0.1005% | 3,064 |
| Net operating income to assets | 1.4254% | 1,043 |
| Return on assets (ROA) | 1.4369% | 1,107 |
| Pretax return on assets | 1.5296% | 1,379 |
| Return on Equity (ROE) | 15.5453% | 611 |
| Retained earnings to average equity (ytd only) | 10.5577% | 664 |
| Net charge-offs to loans | 0.2250% | 678 |
| Credit loss provision to net charge-offs | 66.2566% | 2,828 |
| Earnings coverage of net charge-offs (x) | 10.6696% | 2,342 |
| Efficiency ratio | 62.6607% | 2,961 |
| Assets per employee ($millions) | 6.7257% | 1,662 |
| Cash dividends to net income (ytd only)* | 32.0846% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,047 |
| Loan loss allowance to noncurrent loans | 120.4159% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 2,192 |
| Noncurrent loans to loans | 0.7544% | 1,919 |
| Net loans and leases to total assets | 64.5743% | 2,692 |
| Net loans and leases to deposits | 72.7613% | 3,063 |
| Net loans and leases to core deposits | 77.3196% | 3,068 |
| Total domestic deposits to total assets | 88.7481% | 877 |
| Equity capital to assets | 9.1903% | 3,959 |
| Core capital (leverage) ratio | 8.4962% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4084% | 3,047 |
| Memoranda: | ||
| Average total assets | $500,329,750 | 1,529 |
| Average earning assets | $476,181,000 | 1,496 |
| Average equity | $46,246,500 | 1,800 |
| Average total loans | $337,187,500 | 1,542 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,548 |
| Cost of funding earning assets | 1.0109% | 958 |
| Net interest margin | 3.6347% | 2,362 |
| Noninterest income to average assets | 0.8348% | 1,331 |
| Noninterest expense to average assets | 2.8260% | 2,037 |
| Loan and lease loss provision to assets | 0.0644% | 3,491 |
| Net operating income to assets | 1.3078% | 1,338 |
| Return on assets (ROA) | 1.3367% | 1,357 |
| Pretax return on assets | 1.4282% | 1,649 |
| Return on Equity (ROE) | 14.4315% | 803 |
| Retained earnings to average equity (ytd only) | 10.3765% | 717 |
| Net charge-offs to loans | 0.0451% | 1,848 |
| Credit loss provision to net charge-offs | 209.3333% | 1,878 |
| Earnings coverage of net charge-offs (x) | 47.5333% | 1,142 |
| Efficiency ratio | 65.9080% | 2,529 |
| Assets per employee ($millions) | 6.8332% | 1,542 |
| Cash dividends to net income (ytd only)* | 28.0982% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,617 |
| Loan loss allowance to noncurrent loans | 129.7074% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 2,296 |
| Noncurrent loans to loans | 0.7643% | 1,972 |
| Net loans and leases to total assets | 66.5036% | 2,557 |
| Net loans and leases to deposits | 74.9662% | 2,975 |
| Net loans and leases to core deposits | 79.7220% | 2,976 |
| Total domestic deposits to total assets | 88.7115% | 861 |
| Equity capital to assets | 9.2137% | 3,913 |
| Core capital (leverage) ratio | 8.6592% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2973% | 3,123 |
| Memoranda: | ||
| Average total assets | $487,753,667 | 1,536 |
| Average earning assets | $463,368,667 | 1,503 |
| Average equity | $45,179,000 | 1,825 |
| Average total loans | $332,706,000 | 1,542 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 1,526 |
| Cost of funding earning assets | 1.2052% | 762 |
| Net interest margin | 3.5566% | 2,799 |
| Noninterest income to average assets | 0.6712% | 1,764 |
| Noninterest expense to average assets | 2.8951% | 2,140 |
| Loan and lease loss provision to assets | 0.1331% | 2,063 |
| Net operating income to assets | 0.9418% | 2,370 |
| Return on assets (ROA) | 0.9560% | 2,431 |
| Pretax return on assets | 1.0272% | 2,752 |
| Return on Equity (ROE) | 10.2910% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.1344% | 1,491 |
| Net charge-offs to loans | 0.0961% | 1,111 |
| Credit loss provision to net charge-offs | 201.2821% | 1,412 |
| Earnings coverage of net charge-offs (x) | 17.3205% | 1,498 |
| Efficiency ratio | 71.6593% | 2,130 |
| Assets per employee ($millions) | 6.6578% | 1,256 |
| Cash dividends to net income (ytd only)* | 30.6738% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,345 |
| Loan loss allowance to noncurrent loans | 123.4727% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,220 |
| Noncurrent loans to loans | 0.8686% | 1,876 |
| Net loans and leases to total assets | 67.4366% | 2,629 |
| Net loans and leases to deposits | 76.2393% | 3,049 |
| Net loans and leases to core deposits | 81.8985% | 3,030 |
| Total domestic deposits to total assets | 88.4539% | 911 |
| Equity capital to assets | 9.3853% | 4,327 |
| Core capital (leverage) ratio | 9.0057% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1076% | 3,066 |
| Memoranda: | ||
| Average total assets | $471,968,000 | 1,530 |
| Average earning assets | $447,052,000 | 1,501 |
| Average equity | $43,844,000 | 1,854 |
| Average total loans | $324,645,000 | 1,539 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 963 |
| Cost of funding earning assets | 1.3078% | 755 |
| Net interest margin | 3.9064% | 2,155 |
| Noninterest income to average assets | 1.1306% | 734 |
| Noninterest expense to average assets | 3.1727% | 1,585 |
| Loan and lease loss provision to assets | 0.4611% | 287 |
| Net operating income to assets | 1.1189% | 2,371 |
| Return on assets (ROA) | 1.1311% | 2,426 |
| Pretax return on assets | 1.1864% | 2,886 |
| Return on Equity (ROE) | 11.9760% | 1,525 |
| Retained earnings to average equity (ytd only) | 9.0448% | 697 |
| Net charge-offs to loans | 0.3981% | 488 |
| Credit loss provision to net charge-offs | 159.5813% | 1,617 |
| Earnings coverage of net charge-offs (x) | 5.6578% | 3,056 |
| Efficiency ratio | 65.9956% | 2,770 |
| Assets per employee ($millions) | 6.5449% | 1,262 |
| Cash dividends to net income (ytd only)* | 24.4755% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,309 |
| Loan loss allowance to noncurrent loans | 165.2153% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 2,633 |
| Noncurrent loans to loans | 0.6250% | 2,327 |
| Net loans and leases to total assets | 68.6883% | 2,585 |
| Net loans and leases to deposits | 78.0334% | 3,000 |
| Net loans and leases to core deposits | 84.1650% | 2,932 |
| Total domestic deposits to total assets | 88.0243% | 1,113 |
| Equity capital to assets | 9.1936% | 4,574 |
| Core capital (leverage) ratio | 8.9869% | 4,539 |
| Tier 1 risk-based capital ratio | 10.8023% | 4,923 |
| Total risk-based capital ratio | 11.6758% | 4,974 |
| Memoranda: | ||
| Average total assets | $429,860,400 | 1,630 |
| Average earning assets | $404,587,600 | 1,608 |
| Average equity | $40,598,000 | 1,907 |
| Average total loans | $312,005,600 | 1,553 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 859 |
| Cost of funding earning assets | 1.3066% | 768 |
| Net interest margin | 3.9961% | 1,954 |
| Noninterest income to average assets | 1.2468% | 584 |
| Noninterest expense to average assets | 3.2080% | 1,453 |
| Loan and lease loss provision to assets | 0.5800% | 201 |
| Net operating income to assets | 1.1314% | 2,448 |
| Return on assets (ROA) | 1.1476% | 2,469 |
| Pretax return on assets | 1.2350% | 2,872 |
| Return on Equity (ROE) | 12.0615% | 1,598 |
| Retained earnings to average equity (ytd only) | 8.9350% | 1,068 |
| Net charge-offs to loans | 0.5273% | 317 |
| Credit loss provision to net charge-offs | 149.7129% | 1,641 |
| Earnings coverage of net charge-offs (x) | 4.6399% | 2,990 |
| Efficiency ratio | 64.0889% | 2,997 |
| Assets per employee ($millions) | 6.5930% | 1,228 |
| Cash dividends to net income (ytd only)* | 25.9208% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,496 |
| Loan loss allowance to noncurrent loans | 139.9655% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,455 |
| Noncurrent loans to loans | 0.7238% | 2,156 |
| Net loans and leases to total assets | 69.6604% | 2,525 |
| Net loans and leases to deposits | 79.3432% | 2,968 |
| Net loans and leases to core deposits | 85.2928% | 2,966 |
| Total domestic deposits to total assets | 87.7964% | 1,131 |
| Equity capital to assets | 9.3721% | 4,548 |
| Core capital (leverage) ratio | 9.2651% | 4,412 |
| Tier 1 risk-based capital ratio | 10.3353% | 5,127 |
| Total risk-based capital ratio | 11.1576% | 5,163 |
| Memoranda: | ||
| Average total assets | $419,518,000 | 1,681 |
| Average earning assets | $394,611,750 | 1,659 |
| Average equity | $39,916,750 | 1,943 |
| Average total loans | $308,242,750 | 1,585 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 785 |
| Cost of funding earning assets | 1.2727% | 813 |
| Net interest margin | 4.0451% | 1,782 |
| Noninterest income to average assets | 1.2033% | 589 |
| Noninterest expense to average assets | 3.2547% | 1,384 |
| Loan and lease loss provision to assets | 0.7481% | 140 |
| Net operating income to assets | 0.9183% | 3,212 |
| Return on assets (ROA) | 0.9183% | 3,275 |
| Pretax return on assets | 1.0017% | 3,540 |
| Return on Equity (ROE) | 9.5974% | 2,590 |
| Retained earnings to average equity (ytd only) | 6.5213% | 2,039 |
| Net charge-offs to loans | 0.5344% | 292 |
| Credit loss provision to net charge-offs | 187.5769% | 1,272 |
| Earnings coverage of net charge-offs (x) | 4.3875% | 2,740 |
| Efficiency ratio | 65.0363% | 2,971 |
| Assets per employee ($millions) | 5.7485% | 1,745 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,282 |
| Loan loss allowance to noncurrent loans | 174.0644% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,757 |
| Noncurrent loans to loans | 0.6093% | 2,434 |
| Net loans and leases to total assets | 71.5147% | 2,283 |
| Net loans and leases to deposits | 81.2003% | 2,817 |
| Net loans and leases to core deposits | 87.6048% | 2,841 |
| Total domestic deposits to total assets | 88.0720% | 1,072 |
| Equity capital to assets | 9.3507% | 4,538 |
| Core capital (leverage) ratio | 9.2884% | 4,366 |
| Tier 1 risk-based capital ratio | 10.6422% | 5,057 |
| Total risk-based capital ratio | 11.5478% | 5,091 |
| Memoranda: | ||
| Average total assets | $407,719,330 | 1,735 |
| Average earning assets | $383,128,330 | 1,717 |
| Average equity | $39,010,670 | 1,977 |
| Average total loans | $304,277,670 | 1,598 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 788 |
| Cost of funding earning assets | 1.1677% | 995 |
| Net interest margin | 4.1093% | 1,526 |
| Noninterest income to average assets | 0.9452% | 931 |
| Noninterest expense to average assets | 3.2294% | 1,426 |
| Loan and lease loss provision to assets | 1.4906% | 53 |
| Net operating income to assets | 0.0244% | 5,131 |
| Return on assets (ROA) | 0.0244% | 5,134 |
| Pretax return on assets | 0.0743% | 5,111 |
| Return on Equity (ROE) | 0.2520% | 5,132 |
| Retained earnings to average equity (ytd only) | -4.3371% | 4,888 |
| Net charge-offs to loans | 0.9983% | 139 |
| Credit loss provision to net charge-offs | 196.6443% | 1,073 |
| Earnings coverage of net charge-offs (x) | 2.0644% | 2,534 |
| Efficiency ratio | 67.3599% | 2,731 |
| Assets per employee ($millions) | 5.1223% | 2,370 |
| Cash dividends to net income (ytd only)* | 1,820.8333% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,964 |
| Loan loss allowance to noncurrent loans | 219.6990% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,033 |
| Noncurrent loans to loans | 0.5147% | 2,773 |
| Net loans and leases to total assets | 74.4104% | 1,728 |
| Net loans and leases to deposits | 85.8735% | 2,143 |
| Net loans and leases to core deposits | 94.7068% | 2,060 |
| Total domestic deposits to total assets | 86.6512% | 1,982 |
| Equity capital to assets | 9.7156% | 4,078 |
| Core capital (leverage) ratio | 9.6535% | 3,967 |
| Tier 1 risk-based capital ratio | 11.0443% | 4,956 |
| Total risk-based capital ratio | 12.0286% | 4,977 |
| Memoranda: | ||
| Average total assets | $393,134,500 | 1,794 |
| Average earning assets | $368,239,500 | 1,775 |
| Average equity | $38,090,000 | 2,013 |
| Average total loans | $298,522,000 | 1,647 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 885 |
| Cost of funding earning assets | 0.9183% | 1,033 |
| Net interest margin | 4.1637% | 1,494 |
| Noninterest income to average assets | 1.1754% | 671 |
| Noninterest expense to average assets | 3.2678% | 1,400 |
| Loan and lease loss provision to assets | 0.1028% | 2,137 |
| Net operating income to assets | 1.6175% | 834 |
| Return on assets (ROA) | 1.6188% | 825 |
| Pretax return on assets | 1.7151% | 1,129 |
| Return on Equity (ROE) | 16.8347% | 509 |
| Retained earnings to average equity (ytd only) | 12.6851% | 264 |
| Net charge-offs to loans | -0.0188% | 4,682 |
| Credit loss provision to net charge-offs | -716.9811% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2724% | 3,147 |
| Assets per employee ($millions) | 5.1559% | 2,321 |
| Cash dividends to net income (ytd only)* | 24.6491% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,256 |
| Loan loss allowance to noncurrent loans | 246.9101% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 3,494 |
| Noncurrent loans to loans | 0.3558% | 3,268 |
| Net loans and leases to total assets | 75.9375% | 1,627 |
| Net loans and leases to deposits | 89.1531% | 1,906 |
| Net loans and leases to core deposits | 96.4388% | 2,018 |
| Total domestic deposits to total assets | 85.1765% | 2,573 |
| Equity capital to assets | 9.6618% | 3,989 |
| Core capital (leverage) ratio | 9.9152% | 3,683 |
| Tier 1 risk-based capital ratio | 11.0314% | 4,969 |
| Total risk-based capital ratio | 11.7953% | 5,058 |
| Memoranda: | ||
| Average total assets | $369,663,000 | 1,831 |
| Average earning assets | $347,049,000 | 1,826 |
| Average equity | $35,545,600 | 2,050 |
| Average total loans | $282,425,800 | 1,664 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 931 |
| Cost of funding earning assets | 0.8481% | 1,130 |
| Net interest margin | 4.1619% | 1,463 |
| Noninterest income to average assets | 1.1692% | 690 |
| Noninterest expense to average assets | 3.1586% | 1,623 |
| Loan and lease loss provision to assets | 0.1007% | 1,983 |
| Net operating income to assets | 1.7045% | 739 |
| Return on assets (ROA) | 1.7042% | 743 |
| Pretax return on assets | 1.8232% | 958 |
| Return on Equity (ROE) | 17.7458% | 456 |
| Retained earnings to average equity (ytd only) | 13.4791% | 304 |
| Net charge-offs to loans | 0.0456% | 2,184 |
| Credit loss provision to net charge-offs | 289.4737% | 1,053 |
| Earnings coverage of net charge-offs (x) | 55.3173% | 1,108 |
| Efficiency ratio | 62.1425% | 3,491 |
| Assets per employee ($millions) | 4.8994% | 2,601 |
| Cash dividends to net income (ytd only)* | 24.0438% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,559 |
| Loan loss allowance to noncurrent loans | 141.5677% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 2,880 |
| Noncurrent loans to loans | 0.5757% | 2,650 |
| Net loans and leases to total assets | 77.9221% | 1,354 |
| Net loans and leases to deposits | 93.5237% | 1,428 |
| Net loans and leases to core deposits | 101.1145% | 1,687 |
| Total domestic deposits to total assets | 83.3180% | 3,191 |
| Equity capital to assets | 9.7840% | 3,837 |
| Core capital (leverage) ratio | 10.0832% | 3,544 |
| Tier 1 risk-based capital ratio | 11.4714% | 4,802 |
| Total risk-based capital ratio | 12.2085% | 4,956 |
| Memoranda: | ||
| Average total assets | $364,116,000 | 1,867 |
| Average earning assets | $342,397,500 | 1,847 |
| Average equity | $34,967,000 | 2,077 |
| Average total loans | $277,982,500 | 1,690 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 1,033 |
| Cost of funding earning assets | 0.7793% | 1,220 |
| Net interest margin | 4.1161% | 1,505 |
| Noninterest income to average assets | 1.0908% | 810 |
| Noninterest expense to average assets | 3.1370% | 1,700 |
| Loan and lease loss provision to assets | 0.0996% | 1,953 |
| Net operating income to assets | 1.6183% | 883 |
| Return on assets (ROA) | 1.6177% | 890 |
| Pretax return on assets | 1.7301% | 1,139 |
| Return on Equity (ROE) | 16.9552% | 529 |
| Retained earnings to average equity (ytd only) | 12.9992% | 378 |
| Net charge-offs to loans | 0.0505% | 1,879 |
| Credit loss provision to net charge-offs | 260.8696% | 1,108 |
| Earnings coverage of net charge-offs (x) | 47.9275% | 1,153 |
| Efficiency ratio | 63.1532% | 3,446 |
| Assets per employee ($millions) | 5.1603% | 2,234 |
| Cash dividends to net income (ytd only)* | 23.3322% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 4,677 |
| Loan loss allowance to noncurrent loans | 137.1445% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 2,914 |
| Noncurrent loans to loans | 0.5861% | 2,664 |
| Net loans and leases to total assets | 76.8954% | 1,486 |
| Net loans and leases to deposits | 93.0462% | 1,469 |
| Net loans and leases to core deposits | 98.3585% | 1,867 |
| Total domestic deposits to total assets | 82.6422% | 3,511 |
| Equity capital to assets | 9.5262% | 4,071 |
| Core capital (leverage) ratio | 9.8187% | 3,767 |
| Tier 1 risk-based capital ratio | 11.2892% | 4,904 |
| Total risk-based capital ratio | 12.0191% | 5,058 |
| Memoranda: | ||
| Average total assets | $361,370,000 | 1,880 |
| Average earning assets | $340,320,000 | 1,865 |
| Average equity | $34,479,000 | 2,107 |
| Average total loans | $273,133,330 | 1,719 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,188 |
| Cost of funding earning assets | 0.7322% | 1,273 |
| Net interest margin | 4.0189% | 1,663 |
| Noninterest income to average assets | 1.0789% | 789 |
| Noninterest expense to average assets | 3.0650% | 1,909 |
| Loan and lease loss provision to assets | 0.1010% | 1,834 |
| Net operating income to assets | 1.5954% | 868 |
| Return on assets (ROA) | 1.5954% | 867 |
| Pretax return on assets | 1.6964% | 1,125 |
| Return on Equity (ROE) | 16.7071% | 536 |
| Retained earnings to average equity (ytd only) | 11.6867% | 743 |
| Net charge-offs to loans | 0.2574% | 596 |
| Credit loss provision to net charge-offs | 52.6316% | 1,930 |
| Earnings coverage of net charge-offs (x) | 9.3626% | 1,970 |
| Efficiency ratio | 63.0339% | 3,630 |
| Assets per employee ($millions) | 5.0295% | 2,450 |
| Cash dividends to net income (ytd only)* | 30.0493% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,800 |
| Loan loss allowance to noncurrent loans | 131.0494% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 3,025 |
| Noncurrent loans to loans | 0.6077% | 2,725 |
| Net loans and leases to total assets | 74.0568% | 1,848 |
| Net loans and leases to deposits | 85.8655% | 2,181 |
| Net loans and leases to core deposits | 89.8433% | 2,465 |
| Total domestic deposits to total assets | 86.2474% | 2,426 |
| Equity capital to assets | 9.5717% | 4,020 |
| Core capital (leverage) ratio | 9.7652% | 3,789 |
| Tier 1 risk-based capital ratio | 11.2407% | 5,011 |
| Total risk-based capital ratio | 11.9314% | 5,184 |
| Memoranda: | ||
| Average total assets | $356,282,500 | 1,915 |
| Average earning assets | $335,413,000 | 1,898 |
| Average equity | $34,021,500 | 2,141 |
| Average total loans | $265,692,000 | 1,766 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 1,039 |
| Cost of funding earning assets | 0.6508% | 1,288 |
| Net interest margin | 4.1158% | 1,383 |
| Noninterest income to average assets | 1.3007% | 626 |
| Noninterest expense to average assets | 3.2086% | 1,590 |
| Loan and lease loss provision to assets | 0.1085% | 2,075 |
| Net operating income to assets | 1.7874% | 432 |
| Return on assets (ROA) | 1.8316% | 400 |
| Pretax return on assets | 1.9172% | 583 |
| Return on Equity (ROE) | 18.7206% | 259 |
| Retained earnings to average equity (ytd only) | 8.6936% | 560 |
| Net charge-offs to loans | -0.0012% | 4,502 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8445% | 3,963 |
| Assets per employee ($millions) | 5.3055% | 2,141 |
| Cash dividends to net income (ytd only)* | 53.5614% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,729 |
| Loan loss allowance to noncurrent loans | 123.8069% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,884 |
| Noncurrent loans to loans | 0.6726% | 2,533 |
| Net loans and leases to total assets | 73.8749% | 1,940 |
| Net loans and leases to deposits | 85.7426% | 2,292 |
| Net loans and leases to core deposits | 89.5764% | 2,608 |
| Total domestic deposits to total assets | 86.1589% | 2,366 |
| Equity capital to assets | 9.5263% | 4,212 |
| Core capital (leverage) ratio | 9.5979% | 3,917 |
| Tier 1 risk-based capital ratio | 11.4189% | 4,907 |
| Total risk-based capital ratio | 12.1690% | 5,076 |
| Memoranda: | ||
| Average total assets | $331,887,800 | 1,999 |
| Average earning assets | $313,471,200 | 1,968 |
| Average equity | $32,472,200 | 2,195 |
| Average total loans | $249,696,000 | 1,817 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 989 |
| Cost of funding earning assets | 0.6345% | 1,336 |
| Net interest margin | 4.1338% | 1,309 |
| Noninterest income to average assets | 1.3264% | 596 |
| Noninterest expense to average assets | 3.0769% | 1,869 |
| Loan and lease loss provision to assets | 0.1104% | 1,933 |
| Net operating income to assets | 1.9148% | 375 |
| Return on assets (ROA) | 1.9705% | 337 |
| Pretax return on assets | 2.1072% | 441 |
| Return on Equity (ROE) | 19.9967% | 225 |
| Retained earnings to average equity (ytd only) | 8.1722% | 1,154 |
| Net charge-offs to loans | 0.0011% | 3,751 |
| Credit loss provision to net charge-offs | 13,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,635.1386% | 26 |
| Efficiency ratio | 58.7734% | 4,393 |
| Assets per employee ($millions) | 5.0907% | 2,341 |
| Cash dividends to net income (ytd only)* | 59.1324% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,852 |
| Loan loss allowance to noncurrent loans | 117.6897% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 2,960 |
| Noncurrent loans to loans | 0.6927% | 2,634 |
| Net loans and leases to total assets | 75.2345% | 1,719 |
| Net loans and leases to deposits | 87.8099% | 2,089 |
| Net loans and leases to core deposits | 91.9043% | 2,450 |
| Total domestic deposits to total assets | 85.6788% | 2,437 |
| Equity capital to assets | 9.8192% | 4,122 |
| Core capital (leverage) ratio | 9.7930% | 3,828 |
| Tier 1 risk-based capital ratio | 10.4775% | 5,456 |
| Total risk-based capital ratio | 11.1530% | 5,585 |
| Memoranda: | ||
| Average total assets | $325,992,250 | 2,044 |
| Average earning assets | $308,249,750 | 2,010 |
| Average equity | $32,124,500 | 2,228 |
| Average total loans | $245,918,000 | 1,846 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 1,021 |
| Cost of funding earning assets | 0.6148% | 1,358 |
| Net interest margin | 4.1039% | 1,317 |
| Noninterest income to average assets | 1.1783% | 729 |
| Noninterest expense to average assets | 3.1225% | 1,788 |
| Loan and lease loss provision to assets | 0.1122% | 1,828 |
| Net operating income to assets | 1.7129% | 552 |
| Return on assets (ROA) | 1.7996% | 464 |
| Pretax return on assets | 1.9211% | 624 |
| Return on Equity (ROE) | 18.2387% | 314 |
| Retained earnings to average equity (ytd only) | 4.0986% | 3,271 |
| Net charge-offs to loans | 0.0463% | 2,290 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 55.6250% | 996 |
| Efficiency ratio | 61.6663% | 4,056 |
| Assets per employee ($millions) | 5.1770% | 2,179 |
| Cash dividends to net income (ytd only)* | 77.5277% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 5,013 |
| Loan loss allowance to noncurrent loans | 315.9164% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,424 |
| Noncurrent loans to loans | 0.2444% | 4,155 |
| Net loans and leases to total assets | 76.2273% | 1,512 |
| Net loans and leases to deposits | 88.7288% | 1,895 |
| Net loans and leases to core deposits | 92.5315% | 2,292 |
| Total domestic deposits to total assets | 85.9104% | 2,409 |
| Equity capital to assets | 9.7390% | 4,188 |
| Core capital (leverage) ratio | 9.5847% | 4,035 |
| Tier 1 risk-based capital ratio | 10.8276% | 5,333 |
| Total risk-based capital ratio | 11.5055% | 5,494 |
| Memoranda: | ||
| Average total assets | $320,964,670 | 2,076 |
| Average earning assets | $303,861,000 | 2,032 |
| Average equity | $31,669,000 | 2,252 |
| Average total loans | $241,652,330 | 1,872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 1,158 |
| Cost of funding earning assets | 0.5873% | 1,462 |
| Net interest margin | 4.0065% | 1,458 |
| Noninterest income to average assets | 1.1147% | 802 |
| Noninterest expense to average assets | 3.0768% | 1,928 |
| Loan and lease loss provision to assets | 0.1140% | 1,683 |
| Net operating income to assets | 1.6187% | 651 |
| Return on assets (ROA) | 1.7949% | 467 |
| Pretax return on assets | 1.9051% | 621 |
| Return on Equity (ROE) | 18.0685% | 336 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,330 |
| Net charge-offs to loans | 0.1071% | 1,312 |
| Credit loss provision to net charge-offs | 142.8571% | 1,245 |
| Earnings coverage of net charge-offs (x) | 22.9524% | 1,400 |
| Efficiency ratio | 62.6839% | 4,042 |
| Assets per employee ($millions) | 5.1334% | 2,264 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,138 |
| Loan loss allowance to noncurrent loans | 213.2420% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 4,108 |
| Noncurrent loans to loans | 0.3623% | 3,793 |
| Net loans and leases to total assets | 75.3850% | 1,515 |
| Net loans and leases to deposits | 87.2254% | 1,886 |
| Net loans and leases to core deposits | 90.7320% | 2,291 |
| Total domestic deposits to total assets | 86.4255% | 2,480 |
| Equity capital to assets | 9.9773% | 3,783 |
| Core capital (leverage) ratio | 10.0039% | 3,491 |
| Tier 1 risk-based capital ratio | 11.0745% | 5,268 |
| Total risk-based capital ratio | 11.7335% | 5,475 |
| Memoranda: | ||
| Average total assets | $315,782,500 | 2,117 |
| Average earning assets | $299,016,500 | 2,076 |
| Average equity | $31,369,500 | 2,271 |
| Average total loans | $235,214,500 | 1,925 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 1,225 |
| Cost of funding earning assets | 0.5909% | 1,400 |
| Net interest margin | 4.0338% | 1,549 |
| Noninterest income to average assets | 1.4858% | 534 |
| Noninterest expense to average assets | 3.2249% | 1,733 |
| Loan and lease loss provision to assets | 0.0914% | 2,528 |
| Net operating income to assets | 1.8412% | 408 |
| Return on assets (ROA) | 1.8360% | 430 |
| Pretax return on assets | 1.9303% | 584 |
| Return on Equity (ROE) | 18.9183% | 270 |
| Retained earnings to average equity (ytd only) | 11.6868% | 244 |
| Net charge-offs to loans | 0.0897% | 2,416 |
| Credit loss provision to net charge-offs | 143.2161% | 1,916 |
| Earnings coverage of net charge-offs (x) | 31.7588% | 1,381 |
| Efficiency ratio | 61.4022% | 4,354 |
| Assets per employee ($millions) | 4.8952% | 2,509 |
| Cash dividends to net income (ytd only)* | 38.2250% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 5,092 |
| Loan loss allowance to noncurrent loans | 225.6127% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 4,251 |
| Noncurrent loans to loans | 0.3569% | 3,854 |
| Net loans and leases to total assets | 72.3893% | 2,114 |
| Net loans and leases to deposits | 83.8643% | 2,435 |
| Net loans and leases to core deposits | 86.8861% | 2,775 |
| Total domestic deposits to total assets | 86.3172% | 2,451 |
| Equity capital to assets | 9.8898% | 3,831 |
| Core capital (leverage) ratio | 9.5250% | 4,048 |
| Tier 1 risk-based capital ratio | 11.3292% | 5,155 |
| Total risk-based capital ratio | 12.0077% | 5,356 |
| Memoranda: | ||
| Average total assets | $311,758,000 | 2,107 |
| Average earning assets | $291,087,400 | 2,094 |
| Average equity | $30,256,400 | 2,332 |
| Average total loans | $221,862,000 | 1,964 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,273 |
| Cost of funding earning assets | 0.5840% | 1,465 |
| Net interest margin | 4.0242% | 1,589 |
| Noninterest income to average assets | 1.4653% | 561 |
| Noninterest expense to average assets | 3.1421% | 1,921 |
| Loan and lease loss provision to assets | 0.0835% | 2,545 |
| Net operating income to assets | 1.8644% | 436 |
| Return on assets (ROA) | 1.8575% | 460 |
| Pretax return on assets | 1.9800% | 598 |
| Return on Equity (ROE) | 19.2318% | 277 |
| Retained earnings to average equity (ytd only) | 10.6622% | 463 |
| Net charge-offs to loans | 0.1235% | 1,721 |
| Credit loss provision to net charge-offs | 95.5882% | 2,447 |
| Earnings coverage of net charge-offs (x) | 23.7062% | 1,707 |
| Efficiency ratio | 60.2760% | 4,502 |
| Assets per employee ($millions) | 5.1382% | 2,207 |
| Cash dividends to net income (ytd only)* | 44.5597% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 5,256 |
| Loan loss allowance to noncurrent loans | 204.2105% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 4,383 |
| Noncurrent loans to loans | 0.3807% | 3,897 |
| Net loans and leases to total assets | 68.8326% | 2,674 |
| Net loans and leases to deposits | 79.4833% | 3,019 |
| Net loans and leases to core deposits | 81.9624% | 3,284 |
| Total domestic deposits to total assets | 86.6001% | 2,085 |
| Equity capital to assets | 9.6687% | 4,497 |
| Core capital (leverage) ratio | 9.5100% | 4,164 |
| Tier 1 risk-based capital ratio | 10.8504% | 5,457 |
| Total risk-based capital ratio | 11.4903% | 5,661 |
| Memoranda: | ||
| Average total assets | $311,374,500 | 2,110 |
| Average earning assets | $289,968,750 | 2,104 |
| Average equity | $30,074,500 | 2,362 |
| Average total loans | $220,169,750 | 1,978 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,290 |
| Cost of funding earning assets | 0.5835% | 1,444 |
| Net interest margin | 4.0048% | 1,627 |
| Noninterest income to average assets | 1.3233% | 652 |
| Noninterest expense to average assets | 3.0326% | 2,246 |
| Loan and lease loss provision to assets | 0.0781% | 2,581 |
| Net operating income to assets | 1.8271% | 457 |
| Return on assets (ROA) | 1.8271% | 478 |
| Pretax return on assets | 1.9475% | 636 |
| Return on Equity (ROE) | 18.9236% | 305 |
| Retained earnings to average equity (ytd only) | 10.3483% | 534 |
| Net charge-offs to loans | 0.0988% | 1,851 |
| Credit loss provision to net charge-offs | 111.1111% | 1,947 |
| Earnings coverage of net charge-offs (x) | 28.8148% | 1,420 |
| Efficiency ratio | 59.9537% | 4,647 |
| Assets per employee ($millions) | 4.9909% | 2,307 |
| Cash dividends to net income (ytd only)* | 45.3153% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 5,288 |
| Loan loss allowance to noncurrent loans | 529.3413% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 5,085 |
| Noncurrent loans to loans | 0.1506% | 4,835 |
| Net loans and leases to total assets | 69.9746% | 2,487 |
| Net loans and leases to deposits | 80.3943% | 2,883 |
| Net loans and leases to core deposits | 82.9650% | 3,172 |
| Total domestic deposits to total assets | 87.0393% | 1,897 |
| Equity capital to assets | 9.7727% | 4,485 |
| Core capital (leverage) ratio | 9.3109% | 4,449 |
| Tier 1 risk-based capital ratio | 10.7529% | 5,550 |
| Total risk-based capital ratio | 11.4144% | 5,742 |
| Memoranda: | ||
| Average total assets | $307,264,670 | 2,136 |
| Average earning assets | $286,554,000 | 2,134 |
| Average equity | $29,666,670 | 2,395 |
| Average total loans | $218,706,330 | 1,994 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,276 |
| Cost of funding earning assets | 0.5883% | 1,419 |
| Net interest margin | 4.0075% | 1,589 |
| Noninterest income to average assets | 1.1986% | 760 |
| Noninterest expense to average assets | 3.1230% | 2,036 |
| Loan and lease loss provision to assets | 0.0790% | 2,385 |
| Net operating income to assets | 1.6004% | 701 |
| Return on assets (ROA) | 1.6004% | 745 |
| Pretax return on assets | 1.7110% | 1,048 |
| Return on Equity (ROE) | 16.6804% | 471 |
| Retained earnings to average equity (ytd only) | 15.9802% | 193 |
| Net charge-offs to loans | -0.0129% | 4,639 |
| Credit loss provision to net charge-offs | -857.1429% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5657% | 4,197 |
| Assets per employee ($millions) | 4.8898% | 2,472 |
| Cash dividends to net income (ytd only)* | 4.1975% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 5,273 |
| Loan loss allowance to noncurrent loans | 990.2174% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,361 |
| Noncurrent loans to loans | 0.0843% | 5,142 |
| Net loans and leases to total assets | 71.4158% | 2,127 |
| Net loans and leases to deposits | 82.2041% | 2,519 |
| Net loans and leases to core deposits | 85.2006% | 2,825 |
| Total domestic deposits to total assets | 86.8763% | 2,263 |
| Equity capital to assets | 9.8381% | 4,287 |
| Core capital (leverage) ratio | 9.3554% | 4,417 |
| Tier 1 risk-based capital ratio | 10.8049% | 5,597 |
| Total risk-based capital ratio | 11.4989% | 5,776 |
| Memoranda: | ||
| Average total assets | $303,683,500 | 2,161 |
| Average earning assets | $281,472,500 | 2,170 |
| Average equity | $29,136,000 | 2,427 |
| Average total loans | $217,166,000 | 2,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,432 |
| Cost of funding earning assets | 0.6051% | 1,332 |
| Net interest margin | 3.9571% | 1,854 |
| Noninterest income to average assets | 0.8279% | 1,682 |
| Noninterest expense to average assets | 2.8555% | 3,008 |
| Loan and lease loss provision to assets | 0.0629% | 3,041 |
| Net operating income to assets | 1.4854% | 890 |
| Return on assets (ROA) | 1.5053% | 888 |
| Pretax return on assets | 1.5772% | 1,318 |
| Return on Equity (ROE) | 15.7991% | 577 |
| Retained earnings to average equity (ytd only) | 8.5647% | 760 |
| Net charge-offs to loans | -0.0145% | 5,196 |
| Credit loss provision to net charge-offs | -620.6897% | 5,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8158% | 4,311 |
| Assets per employee ($millions) | 5.0700% | 2,282 |
| Cash dividends to net income (ytd only)* | 45.7898% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 5,375 |
| Loan loss allowance to noncurrent loans | 1,671.4286% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,547 |
| Noncurrent loans to loans | 0.0486% | 5,321 |
| Net loans and leases to total assets | 70.4292% | 2,300 |
| Net loans and leases to deposits | 81.0150% | 2,708 |
| Net loans and leases to core deposits | 84.6999% | 2,915 |
| Total domestic deposits to total assets | 86.9336% | 2,174 |
| Equity capital to assets | 9.3511% | 4,731 |
| Core capital (leverage) ratio | 9.0323% | 4,849 |
| Tier 1 risk-based capital ratio | 10.4417% | 5,800 |
| Total risk-based capital ratio | 11.1152% | 5,947 |
| Memoranda: | ||
| Average total assets | $286,390,600 | 2,228 |
| Average earning assets | $263,933,600 | 2,242 |
| Average equity | $27,286,400 | 2,519 |
| Average total loans | $200,502,200 | 2,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,415 |
| Cost of funding earning assets | 0.6089% | 1,353 |
| Net interest margin | 3.9602% | 1,843 |
| Noninterest income to average assets | 0.7628% | 1,968 |
| Noninterest expense to average assets | 2.6885% | 3,601 |
| Loan and lease loss provision to assets | 0.0567% | 3,054 |
| Net operating income to assets | 1.5441% | 859 |
| Return on assets (ROA) | 1.5705% | 858 |
| Pretax return on assets | 1.6939% | 1,122 |
| Return on Equity (ROE) | 16.4017% | 544 |
| Retained earnings to average equity (ytd only) | 7.9070% | 1,277 |
| Net charge-offs to loans | -0.0095% | 4,973 |
| Credit loss provision to net charge-offs | -857.1429% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9521% | 4,742 |
| Assets per employee ($millions) | 4.9041% | 2,412 |
| Cash dividends to net income (ytd only)* | 51.7917% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 5,504 |
| Loan loss allowance to noncurrent loans | 219.8953% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 4,732 |
| Noncurrent loans to loans | 0.3660% | 4,304 |
| Net loans and leases to total assets | 70.3680% | 2,340 |
| Net loans and leases to deposits | 80.8242% | 2,788 |
| Net loans and leases to core deposits | 84.6092% | 2,974 |
| Total domestic deposits to total assets | 87.0631% | 2,002 |
| Equity capital to assets | 9.4449% | 4,818 |
| Core capital (leverage) ratio | 9.1467% | 4,814 |
| Tier 1 risk-based capital ratio | 10.6886% | 5,806 |
| Total risk-based capital ratio | 11.3663% | 5,954 |
| Memoranda: | ||
| Average total assets | $281,938,500 | 2,271 |
| Average earning assets | $259,709,750 | 2,285 |
| Average equity | $26,996,500 | 2,561 |
| Average total loans | $196,627,750 | 2,118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,366 |
| Cost of funding earning assets | 0.6119% | 1,330 |
| Net interest margin | 3.9521% | 1,798 |
| Noninterest income to average assets | 0.7400% | 2,043 |
| Noninterest expense to average assets | 2.5691% | 4,004 |
| Loan and lease loss provision to assets | 0.0432% | 3,244 |
| Net operating income to assets | 1.6485% | 686 |
| Return on assets (ROA) | 1.6499% | 713 |
| Pretax return on assets | 1.7651% | 949 |
| Return on Equity (ROE) | 17.1482% | 466 |
| Retained earnings to average equity (ytd only) | 6.8683% | 1,758 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7103% | 5,144 |
| Assets per employee ($millions) | 5.6359% | 1,630 |
| Cash dividends to net income (ytd only)* | 59.9476% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 5,613 |
| Loan loss allowance to noncurrent loans | 206.4267% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,773 |
| Noncurrent loans to loans | 0.3844% | 4,329 |
| Net loans and leases to total assets | 71.2483% | 2,118 |
| Net loans and leases to deposits | 81.8574% | 2,577 |
| Net loans and leases to core deposits | 84.5806% | 2,923 |
| Total domestic deposits to total assets | 87.0396% | 2,146 |
| Equity capital to assets | 9.5193% | 4,625 |
| Core capital (leverage) ratio | 9.0730% | 4,861 |
| Tier 1 risk-based capital ratio | 10.9801% | 5,717 |
| Total risk-based capital ratio | 11.6631% | 5,896 |
| Memoranda: | ||
| Average total assets | $277,837,000 | 2,321 |
| Average earning assets | $255,612,670 | 2,329 |
| Average equity | $26,731,670 | 2,588 |
| Average total loans | $192,592,670 | 2,159 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,734 |
| Cost of funding earning assets | 0.6308% | 1,227 |
| Net interest margin | 3.7783% | 2,308 |
| Noninterest income to average assets | 0.7497% | 1,919 |
| Noninterest expense to average assets | 2.6303% | 3,823 |
| Loan and lease loss provision to assets | 0.0435% | 3,047 |
| Net operating income to assets | 1.4370% | 968 |
| Return on assets (ROA) | 1.4370% | 1,023 |
| Pretax return on assets | 1.5327% | 1,451 |
| Return on Equity (ROE) | 14.8548% | 733 |
| Retained earnings to average equity (ytd only) | 9.5185% | 1,037 |
| Net charge-offs to loans | 0.0043% | 3,177 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 543.5000% | 99 |
| Efficiency ratio | 62.5302% | 4,701 |
| Assets per employee ($millions) | 5.5088% | 1,788 |
| Cash dividends to net income (ytd only)* | 35.9233% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 5,651 |
| Loan loss allowance to noncurrent loans | 204.6814% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 4,852 |
| Noncurrent loans to loans | 0.4006% | 4,389 |
| Net loans and leases to total assets | 67.7723% | 2,488 |
| Net loans and leases to deposits | 77.9532% | 2,810 |
| Net loans and leases to core deposits | 80.3131% | 3,123 |
| Total domestic deposits to total assets | 86.9397% | 2,405 |
| Equity capital to assets | 9.6778% | 4,535 |
| Core capital (leverage) ratio | 9.2936% | 4,581 |
| Tier 1 risk-based capital ratio | 10.9534% | 5,827 |
| Total risk-based capital ratio | 11.6287% | 6,002 |
| Memoranda: | ||
| Average total assets | $275,857,500 | 2,343 |
| Average earning assets | $252,390,000 | 2,371 |
| Average equity | $26,685,000 | 2,611 |
| Average total loans | $187,698,500 | 2,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,415 |
| Cost of funding earning assets | 0.7444% | 870 |
| Net interest margin | 3.9083% | 2,207 |
| Noninterest income to average assets | 0.7575% | 2,043 |
| Noninterest expense to average assets | 2.7586% | 3,645 |
| Loan and lease loss provision to assets | 0.0268% | 4,070 |
| Net operating income to assets | 1.4162% | 1,049 |
| Return on assets (ROA) | 1.4309% | 1,050 |
| Pretax return on assets | 1.4971% | 1,553 |
| Return on Equity (ROE) | 15.2261% | 741 |
| Retained earnings to average equity (ytd only) | 9.3058% | 642 |
| Net charge-offs to loans | 0.0856% | 3,274 |
| Credit loss provision to net charge-offs | 46.9799% | 3,548 |
| Earnings coverage of net charge-offs (x) | 26.4765% | 1,462 |
| Efficiency ratio | 64.6474% | 4,470 |
| Assets per employee ($millions) | 5.4153% | 1,842 |
| Cash dividends to net income (ytd only)* | 38.8830% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 5,656 |
| Loan loss allowance to noncurrent loans | 194.2211% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,861 |
| Noncurrent loans to loans | 0.4340% | 4,344 |
| Net loans and leases to total assets | 67.1692% | 2,699 |
| Net loans and leases to deposits | 77.3994% | 3,035 |
| Net loans and leases to core deposits | 78.9178% | 3,420 |
| Total domestic deposits to total assets | 86.7826% | 2,400 |
| Equity capital to assets | 9.6689% | 4,512 |
| Core capital (leverage) ratio | 9.0791% | 4,858 |
| Tier 1 risk-based capital ratio | 11.4370% | 5,692 |
| Total risk-based capital ratio | 12.1471% | 5,879 |
| Memoranda: | ||
| Average total assets | $261,511,400 | 2,412 |
| Average earning assets | $234,830,600 | 2,467 |
| Average equity | $24,576,200 | 2,707 |
| Average total loans | $174,112,000 | 2,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,457 |
| Cost of funding earning assets | 0.7575% | 864 |
| Net interest margin | 3.8844% | 2,308 |
| Noninterest income to average assets | 0.7232% | 2,211 |
| Noninterest expense to average assets | 2.6352% | 4,075 |
| Loan and lease loss provision to assets | 0.0257% | 3,894 |
| Net operating income to assets | 1.4533% | 1,020 |
| Return on assets (ROA) | 1.4722% | 1,020 |
| Pretax return on assets | 1.5720% | 1,417 |
| Return on Equity (ROE) | 15.7843% | 701 |
| Retained earnings to average equity (ytd only) | 9.1606% | 937 |
| Net charge-offs to loans | 0.1133% | 2,670 |
| Credit loss provision to net charge-offs | 34.2466% | 3,387 |
| Earnings coverage of net charge-offs (x) | 21.0070% | 1,701 |
| Efficiency ratio | 62.5519% | 4,803 |
| Assets per employee ($millions) | 5.3099% | 1,895 |
| Cash dividends to net income (ytd only)* | 41.9636% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 5,706 |
| Loan loss allowance to noncurrent loans | 180.3066% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 4,145 |
| Noncurrent loans to loans | 0.4786% | 4,472 |
| Net loans and leases to total assets | 66.1596% | 2,836 |
| Net loans and leases to deposits | 75.8648% | 3,196 |
| Net loans and leases to core deposits | 77.9997% | 3,536 |
| Total domestic deposits to total assets | 87.2072% | 2,193 |
| Equity capital to assets | 9.6070% | 4,661 |
| Core capital (leverage) ratio | 9.2971% | 4,641 |
| Tier 1 risk-based capital ratio | 11.4604% | 5,806 |
| Total risk-based capital ratio | 12.1824% | 5,976 |
| Memoranda: | ||
| Average total assets | $259,198,250 | 2,458 |
| Average earning assets | $232,857,250 | 2,505 |
| Average equity | $24,175,250 | 2,748 |
| Average total loans | $171,786,000 | 2,325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,529 |
| Cost of funding earning assets | 0.7805% | 787 |
| Net interest margin | 3.8211% | 2,477 |
| Noninterest income to average assets | 0.6923% | 2,322 |
| Noninterest expense to average assets | 2.7320% | 3,754 |
| Loan and lease loss provision to assets | 0.0389% | 3,528 |
| Net operating income to assets | 1.2690% | 1,399 |
| Return on assets (ROA) | 1.2975% | 1,364 |
| Pretax return on assets | 1.3870% | 1,940 |
| Return on Equity (ROE) | 14.0572% | 944 |
| Retained earnings to average equity (ytd only) | 7.3657% | 1,579 |
| Net charge-offs to loans | 0.1694% | 2,038 |
| Credit loss provision to net charge-offs | 34.7222% | 2,989 |
| Earnings coverage of net charge-offs (x) | 12.4583% | 2,059 |
| Efficiency ratio | 66.1892% | 4,337 |
| Assets per employee ($millions) | 5.1248% | 2,054 |
| Cash dividends to net income (ytd only)* | 47.6019% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 5,778 |
| Loan loss allowance to noncurrent loans | 1,759.7701% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 5,195 |
| Noncurrent loans to loans | 0.0501% | 5,899 |
| Net loans and leases to total assets | 67.2167% | 2,545 |
| Net loans and leases to deposits | 77.1259% | 2,909 |
| Net loans and leases to core deposits | 79.3075% | 3,285 |
| Total domestic deposits to total assets | 87.1519% | 2,370 |
| Equity capital to assets | 9.6074% | 4,612 |
| Core capital (leverage) ratio | 8.9183% | 5,137 |
| Tier 1 risk-based capital ratio | 11.3046% | 5,902 |
| Total risk-based capital ratio | 12.0415% | 6,082 |
| Memoranda: | ||
| Average total assets | $257,100,000 | 2,481 |
| Average earning assets | $231,135,000 | 2,537 |
| Average equity | $23,731,670 | 2,774 |
| Average total loans | $169,988,670 | 2,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 1,792 |
| Cost of funding earning assets | 0.7926% | 771 |
| Net interest margin | 3.7141% | 2,811 |
| Noninterest income to average assets | 0.5762% | 2,877 |
| Noninterest expense to average assets | 2.8067% | 3,536 |
| Loan and lease loss provision to assets | 0.0466% | 3,163 |
| Net operating income to assets | 0.9552% | 2,382 |
| Return on assets (ROA) | 0.9552% | 2,453 |
| Pretax return on assets | 1.0344% | 3,193 |
| Return on Equity (ROE) | 10.5632% | 1,840 |
| Retained earnings to average equity (ytd only) | 7.9352% | 1,617 |
| Net charge-offs to loans | 0.0928% | 2,233 |
| Credit loss provision to net charge-offs | 76.9231% | 1,934 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 1,442 |
| Efficiency ratio | 72.1934% | 3,454 |
| Assets per employee ($millions) | 5.2513% | 1,960 |
| Cash dividends to net income (ytd only)* | 24.8780% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 5,646 |
| Loan loss allowance to noncurrent loans | 727.9279% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,257 |
| Noncurrent loans to loans | 0.1329% | 5,709 |
| Net loans and leases to total assets | 62.9895% | 3,073 |
| Net loans and leases to deposits | 71.7508% | 3,370 |
| Net loans and leases to core deposits | 73.7048% | 3,679 |
| Total domestic deposits to total assets | 87.7892% | 2,353 |
| Equity capital to assets | 9.0519% | 5,054 |
| Core capital (leverage) ratio | 9.0771% | 4,897 |
| Tier 1 risk-based capital ratio | 11.4150% | 5,955 |
| Total risk-based capital ratio | 12.2145% | 6,122 |
| Memoranda: | ||
| Average total assets | $257,530,000 | 2,483 |
| Average earning assets | $229,613,500 | 2,559 |
| Average equity | $23,288,500 | 2,814 |
| Average total loans | $168,099,500 | 2,363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 1,689 |
| Cost of funding earning assets | 0.8761% | 838 |
| Net interest margin | 3.7833% | 2,716 |
| Noninterest income to average assets | 0.8127% | 2,016 |
| Noninterest expense to average assets | 2.6245% | 4,377 |
| Loan and lease loss provision to assets | 0.0424% | 4,269 |
| Net operating income to assets | 1.4854% | 849 |
| Return on assets (ROA) | 1.4742% | 919 |
| Pretax return on assets | 1.5428% | 1,318 |
| Return on Equity (ROE) | 16.3664% | 579 |
| Retained earnings to average equity (ytd only) | 9.1392% | 741 |
| Net charge-offs to loans | 0.1727% | 3,098 |
| Credit loss provision to net charge-offs | 38.3212% | 4,077 |
| Earnings coverage of net charge-offs (x) | 14.4489% | 1,942 |
| Efficiency ratio | 62.1727% | 5,187 |
| Assets per employee ($millions) | 5.1530% | 2,008 |
| Cash dividends to net income (ytd only)* | 44.1587% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 5,724 |
| Loan loss allowance to noncurrent loans | 644.8413% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 5,205 |
| Noncurrent loans to loans | 0.1489% | 5,753 |
| Net loans and leases to total assets | 66.3655% | 2,637 |
| Net loans and leases to deposits | 75.7284% | 2,992 |
| Net loans and leases to core deposits | 78.0802% | 3,353 |
| Total domestic deposits to total assets | 87.6363% | 2,402 |
| Equity capital to assets | 9.0338% | 4,995 |
| Core capital (leverage) ratio | 8.8824% | 5,162 |
| Tier 1 risk-based capital ratio | 11.0700% | 6,138 |
| Total risk-based capital ratio | 11.8656% | 6,287 |
| Memoranda: | ||
| Average total assets | $247,928,600 | 2,547 |
| Average earning assets | $223,376,000 | 2,584 |
| Average equity | $22,332,400 | 2,889 |
| Average total loans | $158,684,800 | 2,442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,770 |
| Cost of funding earning assets | 0.8886% | 863 |
| Net interest margin | 3.7522% | 2,837 |
| Noninterest income to average assets | 0.8066% | 2,111 |
| Noninterest expense to average assets | 2.5971% | 4,396 |
| Loan and lease loss provision to assets | 0.0405% | 4,198 |
| Net operating income to assets | 1.4437% | 997 |
| Return on assets (ROA) | 1.4290% | 1,092 |
| Pretax return on assets | 1.5230% | 1,536 |
| Return on Equity (ROE) | 15.8762% | 664 |
| Retained earnings to average equity (ytd only) | 7.7190% | 1,539 |
| Net charge-offs to loans | 0.2367% | 2,384 |
| Credit loss provision to net charge-offs | 27.0758% | 3,949 |
| Earnings coverage of net charge-offs (x) | 10.5525% | 2,343 |
| Efficiency ratio | 62.1863% | 5,108 |
| Assets per employee ($millions) | 5.0977% | 2,054 |
| Cash dividends to net income (ytd only)* | 51.3798% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,805 |
| Loan loss allowance to noncurrent loans | 528.9037% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 5,283 |
| Noncurrent loans to loans | 0.1854% | 5,773 |
| Net loans and leases to total assets | 64.3610% | 2,941 |
| Net loans and leases to deposits | 73.8438% | 3,255 |
| Net loans and leases to core deposits | 75.6268% | 3,656 |
| Total domestic deposits to total assets | 87.1583% | 2,594 |
| Equity capital to assets | 8.9007% | 5,302 |
| Core capital (leverage) ratio | 8.8491% | 5,330 |
| Tier 1 risk-based capital ratio | 10.8681% | 6,339 |
| Total risk-based capital ratio | 11.6598% | 6,446 |
| Memoranda: | ||
| Average total assets | $246,786,500 | 2,574 |
| Average earning assets | $221,624,250 | 2,611 |
| Average equity | $22,213,000 | 2,936 |
| Average total loans | $156,057,000 | 2,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,587 |
| Cost of funding earning assets | 0.9167% | 824 |
| Net interest margin | 3.7761% | 2,652 |
| Noninterest income to average assets | 0.7942% | 2,210 |
| Noninterest expense to average assets | 2.7007% | 4,029 |
| Loan and lease loss provision to assets | 0.0366% | 4,217 |
| Net operating income to assets | 1.3453% | 1,211 |
| Return on assets (ROA) | 1.3231% | 1,346 |
| Pretax return on assets | 1.4085% | 1,900 |
| Return on Equity (ROE) | 14.6445% | 881 |
| Retained earnings to average equity (ytd only) | 4.8725% | 3,133 |
| Net charge-offs to loans | 0.3676% | 1,735 |
| Credit loss provision to net charge-offs | 15.9011% | 3,816 |
| Earnings coverage of net charge-offs (x) | 6.3781% | 2,726 |
| Efficiency ratio | 64.7736% | 4,742 |
| Assets per employee ($millions) | 4.9624% | 2,156 |
| Cash dividends to net income (ytd only)* | 66.7282% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 5,875 |
| Loan loss allowance to noncurrent loans | 587.1698% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 5,366 |
| Noncurrent loans to loans | 0.1683% | 5,900 |
| Net loans and leases to total assets | 64.1196% | 2,891 |
| Net loans and leases to deposits | 72.5972% | 3,365 |
| Net loans and leases to core deposits | 74.3738% | 3,749 |
| Total domestic deposits to total assets | 88.3224% | 2,028 |
| Equity capital to assets | 8.7046% | 5,542 |
| Core capital (leverage) ratio | 8.4629% | 5,709 |
| Tier 1 risk-based capital ratio | 10.7911% | 6,417 |
| Total risk-based capital ratio | 11.5865% | 6,530 |
| Memoranda: | ||
| Average total assets | $245,786,000 | 2,589 |
| Average earning assets | $219,695,330 | 2,642 |
| Average equity | $22,206,330 | 2,960 |
| Average total loans | $153,956,670 | 2,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,495 |
| Cost of funding earning assets | 0.9272% | 859 |
| Net interest margin | 3.7875% | 2,499 |
| Noninterest income to average assets | 0.7722% | 2,248 |
| Noninterest expense to average assets | 2.6726% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3793% | 1,074 |
| Return on assets (ROA) | 1.3501% | 1,249 |
| Pretax return on assets | 1.4213% | 1,796 |
| Return on Equity (ROE) | 14.6789% | 827 |
| Retained earnings to average equity (ytd only) | 10.2083% | 1,055 |
| Net charge-offs to loans | 0.7438% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.1696% | 2,829 |
| Efficiency ratio | 64.7959% | 4,864 |
| Assets per employee ($millions) | 4.9740% | 2,245 |
| Cash dividends to net income (ytd only)* | 30.4556% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,987 |
| Loan loss allowance to noncurrent loans | 211.6246% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 5,006 |
| Noncurrent loans to loans | 0.4724% | 5,240 |
| Net loans and leases to total assets | 61.3979% | 3,191 |
| Net loans and leases to deposits | 70.1159% | 3,466 |
| Net loans and leases to core deposits | 71.2937% | 3,914 |
| Total domestic deposits to total assets | 87.5663% | 2,592 |
| Equity capital to assets | 9.4246% | 4,967 |
| Core capital (leverage) ratio | 8.7156% | 5,303 |
| Tier 1 risk-based capital ratio | 11.0466% | 6,382 |
| Total risk-based capital ratio | 11.8359% | 6,527 |
| Memoranda: | ||
| Average total assets | $247,100,000 | 2,611 |
| Average earning assets | $218,720,000 | 2,680 |
| Average equity | $22,726,500 | 2,955 |
| Average total loans | $152,201,000 | 2,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 1,030 |
| Cost of funding earning assets | 1.2412% | 479 |
| Net interest margin | 4.0024% | 2,378 |
| Noninterest income to average assets | 0.8319% | 2,115 |
| Noninterest expense to average assets | 2.7026% | 4,387 |
| Loan and lease loss provision to assets | 0.1079% | 4,284 |
| Net operating income to assets | 1.4320% | 1,043 |
| Return on assets (ROA) | 1.2559% | 1,591 |
| Pretax return on assets | 1.3099% | 2,357 |
| Return on Equity (ROE) | 13.7565% | 1,044 |
| Retained earnings to average equity (ytd only) | 7.3109% | 1,420 |
| Net charge-offs to loans | -0.0424% | 6,674 |
| Credit loss provision to net charge-offs | -396.8254% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7947% | 5,117 |
| Assets per employee ($millions) | 5.1117% | 2,080 |
| Cash dividends to net income (ytd only)* | 46.8546% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,259 |
| Loan loss allowance to noncurrent loans | 259.6237% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 5,137 |
| Noncurrent loans to loans | 0.4509% | 5,378 |
| Net loans and leases to total assets | 60.4671% | 3,523 |
| Net loans and leases to deposits | 69.1828% | 3,813 |
| Net loans and leases to core deposits | 70.3117% | 4,264 |
| Total domestic deposits to total assets | 87.4019% | 2,575 |
| Equity capital to assets | 8.9761% | 5,549 |
| Core capital (leverage) ratio | 8.3552% | 5,822 |
| Tier 1 risk-based capital ratio | 10.7345% | 6,459 |
| Total risk-based capital ratio | 11.6707% | 6,551 |
| Memoranda: | ||
| Average total assets | $231,626,400 | 2,704 |
| Average earning assets | $200,927,000 | 2,835 |
| Average equity | $21,146,400 | 3,079 |
| Average total loans | $148,738,800 | 2,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 788 |
| Cost of funding earning assets | 1.2816% | 479 |
| Net interest margin | 4.1450% | 1,920 |
| Noninterest income to average assets | 0.8426% | 2,067 |
| Noninterest expense to average assets | 2.7070% | 4,335 |
| Loan and lease loss provision to assets | 0.1322% | 3,893 |
| Net operating income to assets | 1.4896% | 1,036 |
| Return on assets (ROA) | 1.2604% | 1,705 |
| Pretax return on assets | 1.3456% | 2,429 |
| Return on Equity (ROE) | 13.7416% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.6370% | 2,310 |
| Net charge-offs to loans | -0.0569% | 6,740 |
| Credit loss provision to net charge-offs | -357.1429% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1251% | 5,296 |
| Assets per employee ($millions) | 4.7813% | 2,488 |
| Cash dividends to net income (ytd only)* | 51.7016% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,234 |
| Loan loss allowance to noncurrent loans | 3,845.6522% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 5,906 |
| Noncurrent loans to loans | 0.0315% | 6,541 |
| Net loans and leases to total assets | 61.6300% | 3,455 |
| Net loans and leases to deposits | 71.1853% | 3,723 |
| Net loans and leases to core deposits | 72.3242% | 4,208 |
| Total domestic deposits to total assets | 86.5769% | 2,933 |
| Equity capital to assets | 9.4134% | 5,311 |
| Core capital (leverage) ratio | 8.8157% | 5,321 |
| Tier 1 risk-based capital ratio | 11.0203% | 6,471 |
| Total risk-based capital ratio | 11.9921% | 6,573 |
| Memoranda: | ||
| Average total assets | $226,914,250 | 2,784 |
| Average earning assets | $196,310,250 | 2,909 |
| Average equity | $20,812,250 | 3,135 |
| Average total loans | $147,611,250 | 2,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 837 |
| Cost of funding earning assets | 1.3102% | 504 |
| Net interest margin | 4.1096% | 2,048 |
| Noninterest income to average assets | 0.8108% | 2,133 |
| Noninterest expense to average assets | 2.8424% | 3,859 |
| Loan and lease loss provision to assets | 0.1337% | 3,856 |
| Net operating income to assets | 1.3163% | 1,399 |
| Return on assets (ROA) | 1.0229% | 2,598 |
| Pretax return on assets | 1.0995% | 3,304 |
| Return on Equity (ROE) | 11.2558% | 1,898 |
| Retained earnings to average equity (ytd only) | 2.8728% | 4,715 |
| Net charge-offs to loans | -0.0864% | 6,825 |
| Credit loss provision to net charge-offs | -234.3750% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7321% | 4,756 |
| Assets per employee ($millions) | 5.0218% | 2,154 |
| Cash dividends to net income (ytd only)* | 74.4774% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,663 |
| Loan loss allowance to noncurrent loans | 1,712.1212% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 5,870 |
| Noncurrent loans to loans | 0.0658% | 6,502 |
| Net loans and leases to total assets | 65.8175% | 2,709 |
| Net loans and leases to deposits | 75.9573% | 3,002 |
| Net loans and leases to core deposits | 77.3123% | 3,616 |
| Total domestic deposits to total assets | 86.6506% | 2,981 |
| Equity capital to assets | 9.2543% | 5,388 |
| Core capital (leverage) ratio | 8.3858% | 5,809 |
| Tier 1 risk-based capital ratio | 10.4818% | 6,702 |
| Total risk-based capital ratio | 11.4015% | 6,769 |
| Memoranda: | ||
| Average total assets | $224,458,330 | 2,821 |
| Average earning assets | $195,541,000 | 2,925 |
| Average equity | $20,398,330 | 3,178 |
| Average total loans | $148,096,000 | 2,642 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 744 |
| Cost of funding earning assets | 1.3399% | 535 |
| Net interest margin | 4.1714% | 1,847 |
| Noninterest income to average assets | 0.7582% | 2,358 |
| Noninterest expense to average assets | 2.9933% | 3,275 |
| Loan and lease loss provision to assets | 0.1341% | 3,676 |
| Net operating income to assets | 1.1214% | 1,983 |
| Return on assets (ROA) | 0.5686% | 4,724 |
| Pretax return on assets | 0.6151% | 5,064 |
| Return on Equity (ROE) | 6.3155% | 4,132 |
| Retained earnings to average equity (ytd only) | -1.5689% | 6,222 |
| Net charge-offs to loans | -0.0653% | 6,646 |
| Credit loss provision to net charge-offs | -312.5000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9172% | 3,993 |
| Assets per employee ($millions) | 4.4880% | 3,018 |
| Cash dividends to net income (ytd only)* | 124.8428% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,939 |
| Loan loss allowance to noncurrent loans | 957.5758% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 5,855 |
| Noncurrent loans to loans | 0.1136% | 6,472 |
| Net loans and leases to total assets | 64.0207% | 2,844 |
| Net loans and leases to deposits | 73.6722% | 3,167 |
| Net loans and leases to core deposits | 74.7707% | 3,790 |
| Total domestic deposits to total assets | 86.8993% | 3,017 |
| Equity capital to assets | 8.9674% | 5,545 |
| Core capital (leverage) ratio | 8.6111% | 5,430 |
| Tier 1 risk-based capital ratio | 10.6162% | 6,705 |
| Total risk-based capital ratio | 11.5016% | 6,812 |
| Memoranda: | ||
| Average total assets | $223,697,000 | 2,849 |
| Average earning assets | $192,260,000 | 2,993 |
| Average equity | $20,141,000 | 3,210 |
| Average total loans | $146,929,000 | 2,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 454 |
| Cost of funding earning assets | 1.6715% | 360 |
| Net interest margin | 4.2950% | 1,713 |
| Noninterest income to average assets | 0.7999% | 2,062 |
| Noninterest expense to average assets | 2.9123% | 3,906 |
| Loan and lease loss provision to assets | 0.1412% | 4,848 |
| Net operating income to assets | 1.4111% | 1,008 |
| Return on assets (ROA) | 1.2953% | 1,364 |
| Pretax return on assets | 1.3465% | 1,962 |
| Return on Equity (ROE) | 14.3739% | 847 |
| Retained earnings to average equity (ytd only) | 7.6703% | 1,202 |
| Net charge-offs to loans | 0.1340% | 5,076 |
| Credit loss provision to net charge-offs | 148.9899% | 1,906 |
| Earnings coverage of net charge-offs (x) | 16.9697% | 1,296 |
| Efficiency ratio | 64.4219% | 5,054 |
| Assets per employee ($millions) | 4.2883% | 3,281 |
| Cash dividends to net income (ytd only)* | 46.6371% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,237 |
| Loan loss allowance to noncurrent loans | 1,194.3548% | 345 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 4,223 |
| Noncurrent loans to loans | 0.0834% | 6,602 |
| Net loans and leases to total assets | 65.9814% | 2,785 |
| Net loans and leases to deposits | 76.1429% | 3,156 |
| Net loans and leases to core deposits | 78.2728% | 3,649 |
| Total domestic deposits to total assets | 86.6547% | 2,945 |
| Equity capital to assets | 9.0402% | 5,507 |
| Core capital (leverage) ratio | 8.4497% | 5,639 |
| Tier 1 risk-based capital ratio | 10.4789% | 6,694 |
| Total risk-based capital ratio | 11.2947% | 6,832 |
| Memoranda: | ||
| Average total assets | $208,907,400 | 2,956 |
| Average earning assets | $180,979,800 | 3,077 |
| Average equity | $18,825,800 | 3,305 |
| Average total loans | $147,808,600 | 2,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0208% | 438 |
| Cost of funding earning assets | 1.6718% | 437 |
| Net interest margin | 4.3490% | 1,563 |
| Noninterest income to average assets | 0.8121% | 1,994 |
| Noninterest expense to average assets | 2.9316% | 3,796 |
| Loan and lease loss provision to assets | 0.1428% | 4,653 |
| Net operating income to assets | 1.4226% | 1,113 |
| Return on assets (ROA) | 1.3256% | 1,404 |
| Pretax return on assets | 1.4087% | 1,920 |
| Return on Equity (ROE) | 14.7227% | 887 |
| Retained earnings to average equity (ytd only) | 6.7269% | 2,119 |
| Net charge-offs to loans | 0.0596% | 5,371 |
| Credit loss provision to net charge-offs | 333.3333% | 846 |
| Earnings coverage of net charge-offs (x) | 38.6202% | 792 |
| Efficiency ratio | 63.9207% | 5,086 |
| Assets per employee ($millions) | 4.1660% | 3,507 |
| Cash dividends to net income (ytd only)* | 54.3095% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 6,077 |
| Loan loss allowance to noncurrent loans | 207.8378% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 3,803 |
| Noncurrent loans to loans | 0.5021% | 5,840 |
| Net loans and leases to total assets | 70.0211% | 2,079 |
| Net loans and leases to deposits | 82.3438% | 2,293 |
| Net loans and leases to core deposits | 84.0173% | 3,067 |
| Total domestic deposits to total assets | 85.0350% | 3,756 |
| Equity capital to assets | 9.4537% | 5,159 |
| Core capital (leverage) ratio | 8.8917% | 5,120 |
| Tier 1 risk-based capital ratio | 10.4600% | 6,795 |
| Total risk-based capital ratio | 11.3290% | 6,922 |
| Memoranda: | ||
| Average total assets | $205,386,000 | 3,011 |
| Average earning assets | $178,245,500 | 3,137 |
| Average equity | $18,492,500 | 3,354 |
| Average total loans | $147,607,000 | 2,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 388 |
| Cost of funding earning assets | 1.7252% | 426 |
| Net interest margin | 4.3706% | 1,460 |
| Noninterest income to average assets | 0.7915% | 2,064 |
| Noninterest expense to average assets | 3.0262% | 3,535 |
| Loan and lease loss provision to assets | 0.1419% | 4,530 |
| Net operating income to assets | 1.3011% | 1,315 |
| Return on assets (ROA) | 1.2524% | 1,510 |
| Pretax return on assets | 1.3267% | 2,051 |
| Return on Equity (ROE) | 14.1494% | 947 |
| Retained earnings to average equity (ytd only) | 4.6980% | 3,198 |
| Net charge-offs to loans | 0.0637% | 5,004 |
| Credit loss provision to net charge-offs | 308.5106% | 983 |
| Earnings coverage of net charge-offs (x) | 33.0638% | 861 |
| Efficiency ratio | 66.5591% | 4,762 |
| Assets per employee ($millions) | 4.7512% | 2,473 |
| Cash dividends to net income (ytd only)* | 66.7969% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,293 |
| Loan loss allowance to noncurrent loans | 1,764.2857% | 235 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 4,428 |
| Noncurrent loans to loans | 0.0571% | 6,840 |
| Net loans and leases to total assets | 69.6752% | 2,285 |
| Net loans and leases to deposits | 81.7614% | 2,487 |
| Net loans and leases to core deposits | 83.8720% | 3,232 |
| Total domestic deposits to total assets | 85.2176% | 3,776 |
| Equity capital to assets | 8.8867% | 5,720 |
| Core capital (leverage) ratio | 8.3995% | 5,711 |
| Tier 1 risk-based capital ratio | 10.4138% | 6,818 |
| Total risk-based capital ratio | 11.2710% | 6,968 |
| Memoranda: | ||
| Average total assets | $204,414,670 | 3,049 |
| Average earning assets | $175,628,330 | 3,188 |
| Average equity | $18,092,670 | 3,403 |
| Average total loans | $147,678,670 | 2,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 357 |
| Cost of funding earning assets | 1.7498% | 445 |
| Net interest margin | 4.4034% | 1,268 |
| Noninterest income to average assets | 0.8214% | 1,952 |
| Noninterest expense to average assets | 3.2519% | 2,698 |
| Loan and lease loss provision to assets | 0.1385% | 4,274 |
| Net operating income to assets | 1.1443% | 1,686 |
| Return on assets (ROA) | 1.1500% | 1,714 |
| Pretax return on assets | 1.2073% | 2,347 |
| Return on Equity (ROE) | 13.0196% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.0196% | 586 |
| Net charge-offs to loans | -0.0108% | 6,384 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8190% | 4,095 |
| Assets per employee ($millions) | 4.5997% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,376 |
| Loan loss allowance to noncurrent loans | 89.5577% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 4,285 |
| Noncurrent loans to loans | 1.1235% | 4,825 |
| Net loans and leases to total assets | 70.8777% | 1,953 |
| Net loans and leases to deposits | 83.3971% | 2,118 |
| Net loans and leases to core deposits | 86.4082% | 2,819 |
| Total domestic deposits to total assets | 84.9882% | 4,035 |
| Equity capital to assets | 8.9798% | 5,229 |
| Core capital (leverage) ratio | 8.8867% | 4,793 |
| Tier 1 risk-based capital ratio | 10.6792% | 6,704 |
| Total risk-based capital ratio | 11.5420% | 6,892 |
| Memoranda: | ||
| Average total assets | $202,095,500 | 3,089 |
| Average earning assets | $173,047,500 | 3,255 |
| Average equity | $17,850,000 | 3,421 |
| Average total loans | $147,948,000 | 2,740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1796% | 596 |
| Cost of funding earning assets | 1.9809% | 650 |
| Net interest margin | 4.1987% | 2,193 |
| Noninterest income to average assets | 0.9379% | 1,715 |
| Noninterest expense to average assets | 2.9258% | 4,124 |
| Loan and lease loss provision to assets | 0.1935% | 5,297 |
| Net operating income to assets | 1.5266% | 722 |
| Return on assets (ROA) | 1.2190% | 1,443 |
| Pretax return on assets | 1.2725% | 2,010 |
| Return on Equity (ROE) | 14.0699% | 867 |
| Retained earnings to average equity (ytd only) | 9.9317% | 540 |
| Net charge-offs to loans | 0.1037% | 5,829 |
| Credit loss provision to net charge-offs | 231.2925% | 1,276 |
| Earnings coverage of net charge-offs (x) | 21.3537% | 971 |
| Efficiency ratio | 62.0894% | 5,717 |
| Assets per employee ($millions) | 4.5864% | 2,732 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,679 |
| Loan loss allowance to noncurrent loans | 87.9288% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3325% | 4,358 |
| Noncurrent loans to loans | 1.0425% | 4,981 |
| Net loans and leases to total assets | 74.1347% | 1,633 |
| Net loans and leases to deposits | 87.8186% | 1,820 |
| Net loans and leases to core deposits | 91.7885% | 2,525 |
| Total domestic deposits to total assets | 84.4180% | 4,163 |
| Equity capital to assets | 8.6847% | 5,610 |
| Core capital (leverage) ratio | 8.9313% | 4,645 |
| Tier 1 risk-based capital ratio | 10.3310% | 6,807 |
| Total risk-based capital ratio | 11.1496% | 7,011 |
| Memoranda: | ||
| Average total assets | $175,713,600 | 3,444 |
| Average earning assets | $157,955,400 | 3,486 |
| Average equity | $15,224,000 | 3,901 |
| Average total loans | $141,797,600 | 2,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1863% | 632 |
| Cost of funding earning assets | 1.9961% | 761 |
| Net interest margin | 4.1902% | 2,253 |
| Noninterest income to average assets | 0.9260% | 1,703 |
| Noninterest expense to average assets | 2.8866% | 4,143 |
| Loan and lease loss provision to assets | 0.2206% | 4,854 |
| Net operating income to assets | 1.5599% | 808 |
| Return on assets (ROA) | 1.5753% | 853 |
| Pretax return on assets | 1.6880% | 1,142 |
| Return on Equity (ROE) | 18.1948% | 470 |
| Retained earnings to average equity (ytd only) | 12.4606% | 408 |
| Net charge-offs to loans | 0.0803% | 5,720 |
| Credit loss provision to net charge-offs | 333.3333% | 951 |
| Earnings coverage of net charge-offs (x) | 28.5826% | 912 |
| Efficiency ratio | 60.4057% | 5,889 |
| Assets per employee ($millions) | 4.5589% | 2,821 |
| Cash dividends to net income (ytd only)* | 31.5158% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,529 |
| Loan loss allowance to noncurrent loans | 55.5244% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 4,174 |
| Noncurrent loans to loans | 1.7432% | 4,028 |
| Net loans and leases to total assets | 79.8191% | 784 |
| Net loans and leases to deposits | 95.7423% | 1,015 |
| Net loans and leases to core deposits | 100.6168% | 1,788 |
| Total domestic deposits to total assets | 83.3687% | 4,429 |
| Equity capital to assets | 8.9585% | 5,640 |
| Core capital (leverage) ratio | 9.5138% | 3,883 |
| Tier 1 risk-based capital ratio | 10.5700% | 6,732 |
| Total risk-based capital ratio | 11.4427% | 6,940 |
| Memoranda: | ||
| Average total assets | $169,191,250 | 3,595 |
| Average earning assets | $155,565,250 | 3,582 |
| Average equity | $14,648,500 | 4,068 |
| Average total loans | $139,499,500 | 2,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1784% | 651 |
| Cost of funding earning assets | 2.0203% | 854 |
| Net interest margin | 4.1581% | 2,298 |
| Noninterest income to average assets | 0.8550% | 1,862 |
| Noninterest expense to average assets | 2.8980% | 4,083 |
| Loan and lease loss provision to assets | 0.2645% | 4,280 |
| Net operating income to assets | 1.4105% | 1,077 |
| Return on assets (ROA) | 1.4105% | 1,139 |
| Pretax return on assets | 1.5187% | 1,506 |
| Return on Equity (ROE) | 16.4956% | 631 |
| Retained earnings to average equity (ytd only) | 7.6361% | 1,584 |
| Net charge-offs to loans | 0.0246% | 5,996 |
| Credit loss provision to net charge-offs | 1,294.1176% | 304 |
| Earnings coverage of net charge-offs (x) | 87.2353% | 372 |
| Efficiency ratio | 61.9060% | 5,706 |
| Assets per employee ($millions) | 4.4489% | 2,966 |
| Cash dividends to net income (ytd only)* | 53.7084% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,522 |
| Loan loss allowance to noncurrent loans | 119.1453% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 5,597 |
| Noncurrent loans to loans | 0.8145% | 5,647 |
| Net loans and leases to total assets | 81.9888% | 533 |
| Net loans and leases to deposits | 98.7711% | 815 |
| Net loans and leases to core deposits | 104.5070% | 1,589 |
| Total domestic deposits to total assets | 83.0090% | 4,573 |
| Equity capital to assets | 8.5269% | 6,132 |
| Core capital (leverage) ratio | 9.3061% | 4,108 |
| Tier 1 risk-based capital ratio | 10.0576% | 6,990 |
| Total risk-based capital ratio | 10.9354% | 7,180 |
| Memoranda: | ||
| Average total assets | $166,322,670 | 3,668 |
| Average earning assets | $153,049,000 | 3,656 |
| Average equity | $14,222,000 | 4,154 |
| Average total loans | $138,231,670 | 3,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1758% | 677 |
| Cost of funding earning assets | 2.0559% | 929 |
| Net interest margin | 4.1199% | 2,355 |
| Noninterest income to average assets | 0.8357% | 1,860 |
| Noninterest expense to average assets | 3.1955% | 2,883 |
| Loan and lease loss provision to assets | 0.3933% | 3,011 |
| Net operating income to assets | 0.9341% | 2,415 |
| Return on assets (ROA) | 0.9341% | 2,480 |
| Pretax return on assets | 1.0201% | 3,012 |
| Return on Equity (ROE) | 10.9074% | 1,809 |
| Retained earnings to average equity (ytd only) | 2.4398% | 4,674 |
| Net charge-offs to loans | 0.0472% | 4,934 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 35.9375% | 764 |
| Efficiency ratio | 69.3333% | 4,437 |
| Assets per employee ($millions) | 4.2746% | 3,332 |
| Cash dividends to net income (ytd only)* | 77.6316% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,533 |
| Loan loss allowance to noncurrent loans | 120.8145% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 5,602 |
| Noncurrent loans to loans | 0.8165% | 5,682 |
| Net loans and leases to total assets | 82.4949% | 531 |
| Net loans and leases to deposits | 99.6913% | 775 |
| Net loans and leases to core deposits | 104.4314% | 1,700 |
| Total domestic deposits to total assets | 82.7504% | 4,736 |
| Equity capital to assets | 8.6657% | 5,783 |
| Core capital (leverage) ratio | 9.6234% | 3,615 |
| Tier 1 risk-based capital ratio | 10.5077% | 6,624 |
| Total risk-based capital ratio | 11.4119% | 6,911 |
| Memoranda: | ||
| Average total assets | $162,729,500 | 3,787 |
| Average earning assets | $149,032,500 | 3,773 |
| Average equity | $13,935,500 | 4,258 |
| Average total loans | $135,521,500 | 3,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4212% | 792 |
| Cost of funding earning assets | 2.1585% | 2,197 |
| Net interest margin | 4.2628% | 1,846 |
| Noninterest income to average assets | 0.9561% | 1,724 |
| Noninterest expense to average assets | 3.1141% | 3,678 |
| Loan and lease loss provision to assets | 0.3499% | 4,704 |
| Net operating income to assets | 1.3548% | 932 |
| Return on assets (ROA) | 1.3541% | 982 |
| Pretax return on assets | 1.4322% | 1,356 |
| Return on Equity (ROE) | 16.4671% | 506 |
| Retained earnings to average equity (ytd only) | 10.8357% | 295 |
| Net charge-offs to loans | 0.4544% | 3,962 |
| Credit loss provision to net charge-offs | 91.3413% | 5,964 |
| Earnings coverage of net charge-offs (x) | 4.6537% | 2,866 |
| Efficiency ratio | 63.5941% | 5,850 |
| Assets per employee ($millions) | 4.2902% | 3,281 |
| Cash dividends to net income (ytd only)* | 34.1979% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,898 |
| Loan loss allowance to noncurrent loans | 4,106.8966% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 7,212 |
| Noncurrent loans to loans | 0.0214% | 7,385 |
| Net loans and leases to total assets | 82.5132% | 609 |
| Net loans and leases to deposits | 99.6518% | 935 |
| Net loans and leases to core deposits | 116.7995% | 2,236 |
| Total domestic deposits to total assets | 82.8015% | 4,616 |
| Equity capital to assets | 8.4618% | 5,950 |
| Core capital (leverage) ratio | 9.3040% | 3,965 |
| Tier 1 risk-based capital ratio | 10.5501% | 6,342 |
| Total risk-based capital ratio | 11.3644% | 6,744 |
| Memoranda: | ||
| Average total assets | $153,750,600 | 3,904 |
| Average earning assets | $142,137,800 | 3,854 |
| Average equity | $12,643,400 | 4,604 |
| Average total loans | $129,615,800 | 3,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 934 |
| Cost of funding earning assets | 2.1533% | 2,629 |
| Net interest margin | 4.2421% | 1,896 |
| Noninterest income to average assets | 0.9888% | 1,646 |
| Noninterest expense to average assets | 3.1908% | 3,328 |
| Loan and lease loss provision to assets | 0.4209% | 3,804 |
| Net operating income to assets | 1.2423% | 1,363 |
| Return on assets (ROA) | 1.2423% | 1,429 |
| Pretax return on assets | 1.3181% | 1,915 |
| Return on Equity (ROE) | 15.2263% | 743 |
| Retained earnings to average equity (ytd only) | 9.7444% | 683 |
| Net charge-offs to loans | 0.5111% | 3,172 |
| Credit loss provision to net charge-offs | 97.3523% | 5,246 |
| Earnings coverage of net charge-offs (x) | 4.0224% | 3,296 |
| Efficiency ratio | 64.7258% | 5,609 |
| Assets per employee ($millions) | 3.9603% | 3,802 |
| Cash dividends to net income (ytd only)* | 36.0030% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,650 |
| Loan loss allowance to noncurrent loans | 890.5797% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 7,127 |
| Noncurrent loans to loans | 0.1040% | 7,216 |
| Net loans and leases to total assets | 82.9967% | 667 |
| Net loans and leases to deposits | 103.5522% | 807 |
| Net loans and leases to core deposits | 122.4938% | 2,030 |
| Total domestic deposits to total assets | 80.1496% | 5,384 |
| Equity capital to assets | 8.3006% | 6,505 |
| Core capital (leverage) ratio | 9.5513% | 3,841 |
| Tier 1 risk-based capital ratio | 10.5070% | 6,463 |
| Total risk-based capital ratio | 11.3699% | 6,809 |
| Memoranda: | ||
| Average total assets | $151,431,750 | 3,954 |
| Average earning assets | $140,683,000 | 3,914 |
| Average equity | $12,355,500 | 4,696 |
| Average total loans | $128,092,500 | 3,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3463% | 1,099 |
| Cost of funding earning assets | 2.1428% | 3,075 |
| Net interest margin | 4.2035% | 1,986 |
| Noninterest income to average assets | 0.9658% | 1,710 |
| Noninterest expense to average assets | 3.4083% | 2,601 |
| Loan and lease loss provision to assets | 0.3689% | 3,711 |
| Net operating income to assets | 1.0704% | 1,871 |
| Return on assets (ROA) | 1.0704% | 1,949 |
| Pretax return on assets | 1.1066% | 2,617 |
| Return on Equity (ROE) | 13.1999% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.7970% | 2,642 |
| Net charge-offs to loans | 0.7649% | 2,147 |
| Credit loss provision to net charge-offs | 56.8182% | 5,646 |
| Earnings coverage of net charge-offs (x) | 2.2727% | 3,931 |
| Efficiency ratio | 69.7885% | 4,825 |
| Assets per employee ($millions) | 3.8319% | 4,021 |
| Cash dividends to net income (ytd only)* | 63.6591% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 7,171 |
| Loan loss allowance to noncurrent loans | 267.6166% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 6,665 |
| Noncurrent loans to loans | 0.2972% | 6,770 |
| Net loans and leases to total assets | 84.0620% | 626 |
| Net loans and leases to deposits | 105.0535% | 826 |
| Net loans and leases to core deposits | 123.8094% | 2,045 |
| Total domestic deposits to total assets | 80.0183% | 5,473 |
| Equity capital to assets | 7.9524% | 6,809 |
| Core capital (leverage) ratio | 9.2964% | 4,168 |
| Tier 1 risk-based capital ratio | 10.3484% | 6,533 |
| Total risk-based capital ratio | 11.0932% | 7,022 |
| Memoranda: | ||
| Average total assets | $149,105,670 | 4,010 |
| Average earning assets | $138,978,670 | 3,970 |
| Average equity | $12,091,000 | 4,789 |
| Average total loans | $126,555,330 | 3,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4246% | 1,008 |
| Cost of funding earning assets | 2.1260% | 3,533 |
| Net interest margin | 4.2986% | 1,602 |
| Noninterest income to average assets | 0.9033% | 1,836 |
| Noninterest expense to average assets | 3.5995% | 1,868 |
| Loan and lease loss provision to assets | 0.3755% | 3,078 |
| Net operating income to assets | 0.9033% | 2,692 |
| Return on assets (ROA) | 0.9033% | 2,841 |
| Pretax return on assets | 0.9332% | 3,589 |
| Return on Equity (ROE) | 11.0281% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.3112% | 2,492 |
| Net charge-offs to loans | -0.0160% | 7,384 |
| Credit loss provision to net charge-offs | -2,760.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3370% | 3,939 |
| Assets per employee ($millions) | 3.4987% | 4,828 |
| Cash dividends to net income (ytd only)* | 42.7711% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,403 |
| Loan loss allowance to noncurrent loans | 117.1743% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 5,163 |
| Noncurrent loans to loans | 0.9464% | 5,106 |
| Net loans and leases to total assets | 84.0541% | 681 |
| Net loans and leases to deposits | 105.8008% | 882 |
| Net loans and leases to core deposits | 124.5952% | 2,028 |
| Total domestic deposits to total assets | 79.4457% | 5,561 |
| Equity capital to assets | 8.0716% | 6,707 |
| Core capital (leverage) ratio | 9.7022% | 3,755 |
| Tier 1 risk-based capital ratio | 10.6233% | 6,270 |
| Total risk-based capital ratio | 11.6557% | 6,398 |
| Memoranda: | ||
| Average total assets | $147,021,000 | 4,056 |
| Average earning assets | $136,974,000 | 4,016 |
| Average equity | $12,042,000 | 4,821 |
| Average total loans | $124,893,500 | 3,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0396% | 1,031 |
| Cost of funding earning assets | 2.5417% | 3,995 |
| Net interest margin | 4.4979% | 1,428 |
| Noninterest income to average assets | 0.9807% | 1,645 |
| Noninterest expense to average assets | 3.4669% | 2,480 |
| Loan and lease loss provision to assets | -0.0608% | 8,240 |
| Net operating income to assets | 1.6250% | 798 |
| Return on assets (ROA) | 1.6250% | 758 |
| Pretax return on assets | 1.6785% | 1,193 |
| Return on Equity (ROE) | 17.7778% | 549 |
| Retained earnings to average equity (ytd only) | 10.8415% | 342 |
| Net charge-offs to loans | -0.0470% | 8,020 |
| Credit loss provision to net charge-offs | 159.6154% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1851% | 4,695 |
| Assets per employee ($millions) | 3.4208% | 4,881 |
| Cash dividends to net income (ytd only)* | 39.0167% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,109 |
| Loan loss allowance to noncurrent loans | 95.6120% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,646 |
| Noncurrent loans to loans | 1.0401% | 4,504 |
| Net loans and leases to total assets | 84.0579% | 877 |
| Net loans and leases to deposits | 110.6720% | 794 |
| Net loans and leases to core deposits | 123.0201% | 2,397 |
| Total domestic deposits to total assets | 75.9523% | 6,253 |
| Equity capital to assets | 8.3096% | 6,409 |
| Core capital (leverage) ratio | 9.5537% | 3,939 |
| Tier 1 risk-based capital ratio | 10.3906% | 6,323 |
| Total risk-based capital ratio | 11.3084% | 6,552 |
| Memoranda: | ||
| Average total assets | $136,431,400 | 4,150 |
| Average earning assets | $124,481,400 | 4,165 |
| Average equity | $12,470,600 | 4,703 |
| Average total loans | $110,554,200 | 3,663 |