Home > Saratoga National Bank and Trust > Performance and Condition Ratios
Saratoga National Bank and Trust, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 3,054 |
| Cost of funding earning assets | 2.7574% | 762 |
| Net interest margin | 2.2346% | 4,135 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 1.3555% | 4,347 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 0.8192% | 2,630 |
| Return on assets (ROA) | 0.8192% | 2,650 |
| Pretax return on assets | 1.0706% | 2,331 |
| Return on Equity (ROE) | 9.4700% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.4687% | 970 |
| Net charge-offs to loans | 0.1502% | 738 |
| Credit loss provision to net charge-offs | 171.8200% | 1,185 |
| Earnings coverage of net charge-offs (x) | 10.2417% | 2,127 |
| Efficiency ratio | 51.7694% | 3,878 |
| Assets per employee ($millions) | 20.6251% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,083 |
| Loan loss allowance to noncurrent loans | 558.7549% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,693 |
| Noncurrent loans to loans | 0.1847% | 2,802 |
| Net loans and leases to total assets | 83.4500% | 297 |
| Net loans and leases to deposits | 133.9031% | 34 |
| Net loans and leases to core deposits | 152.6770% | 157 |
| Total domestic deposits to total assets | 62.3200% | 4,340 |
| Equity capital to assets | 8.7471% | 3,213 |
| Core capital (leverage) ratio | 9.4062% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2419% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,105,102,750 | 925 |
| Average earning assets | $1,063,189,750 | 888 |
| Average equity | $95,611,250 | 1,049 |
| Average total loans | $907,066,750 | 815 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 3,085 |
| Cost of funding earning assets | 2.7444% | 720 |
| Net interest margin | 2.1795% | 4,181 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 1.3853% | 4,345 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.8090% | 2,600 |
| Return on assets (ROA) | 0.8090% | 2,618 |
| Pretax return on assets | 1.0582% | 2,317 |
| Return on Equity (ROE) | 9.3900% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.3876% | 1,002 |
| Net charge-offs to loans | 0.2147% | 516 |
| Credit loss provision to net charge-offs | 128.7368% | 1,307 |
| Earnings coverage of net charge-offs (x) | 7.0568% | 2,125 |
| Efficiency ratio | 52.9313% | 3,836 |
| Assets per employee ($millions) | 20.1875% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,113 |
| Loan loss allowance to noncurrent loans | 574.6555% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,652 |
| Noncurrent loans to loans | 0.1796% | 2,786 |
| Net loans and leases to total assets | 82.8400% | 400 |
| Net loans and leases to deposits | 124.2069% | 72 |
| Net loans and leases to core deposits | 142.5093% | 237 |
| Total domestic deposits to total assets | 66.7000% | 4,301 |
| Equity capital to assets | 8.6576% | 2,986 |
| Core capital (leverage) ratio | 9.3760% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3875% | 2,110 |
| Memoranda: | ||
| Average total assets | $1,088,467,667 | 939 |
| Average earning assets | $1,046,928,000 | 898 |
| Average equity | $93,805,000 | 1,062 |
| Average total loans | $884,793,000 | 829 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 3,114 |
| Cost of funding earning assets | 2.6848% | 730 |
| Net interest margin | 2.1352% | 4,234 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 1.3315% | 4,400 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 0.7257% | 2,759 |
| Return on assets (ROA) | 0.7257% | 2,778 |
| Pretax return on assets | 0.9529% | 2,519 |
| Return on Equity (ROE) | 8.4400% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.4409% | 1,442 |
| Net charge-offs to loans | 0.0659% | 925 |
| Credit loss provision to net charge-offs | 588.7324% | 473 |
| Earnings coverage of net charge-offs (x) | 23.9648% | 1,262 |
| Efficiency ratio | 51.3162% | 3,956 |
| Assets per employee ($millions) | 19.5174% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,631 |
| Loan loss allowance to noncurrent loans | 650.1299% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,686 |
| Noncurrent loans to loans | 0.1746% | 2,745 |
| Net loans and leases to total assets | 79.7600% | 647 |
| Net loans and leases to deposits | 118.0296% | 91 |
| Net loans and leases to core deposits | 134.7156% | 340 |
| Total domestic deposits to total assets | 67.5800% | 4,351 |
| Equity capital to assets | 8.5500% | 2,987 |
| Core capital (leverage) ratio | 9.3986% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6158% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,077,545,500 | 950 |
| Average earning assets | $1,037,097,500 | 911 |
| Average equity | $92,644,500 | 1,057 |
| Average total loans | $862,480,000 | 850 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,462 |
| Cost of funding earning assets | 1.7784% | 1,045 |
| Net interest margin | 2.4232% | 4,206 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.6879% | 4,143 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.6748% | 3,376 |
| Return on assets (ROA) | 0.6748% | 3,365 |
| Pretax return on assets | 0.8710% | 3,172 |
| Return on Equity (ROE) | 7.5300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5299% | 2,137 |
| Net charge-offs to loans | 0.0351% | 1,389 |
| Credit loss provision to net charge-offs | 554.6875% | 589 |
| Earnings coverage of net charge-offs (x) | 37.9531% | 1,478 |
| Efficiency ratio | 62.3294% | 2,679 |
| Assets per employee ($millions) | 18.4179% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,756 |
| Loan loss allowance to noncurrent loans | 541.9670% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,501 |
| Noncurrent loans to loans | 0.2069% | 2,527 |
| Net loans and leases to total assets | 77.2500% | 967 |
| Net loans and leases to deposits | 100.2710% | 500 |
| Net loans and leases to core deposits | 114.7274% | 703 |
| Total domestic deposits to total assets | 77.0400% | 3,924 |
| Equity capital to assets | 8.5465% | 2,701 |
| Core capital (leverage) ratio | 9.9721% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3264% | 1,781 |
| Memoranda: | ||
| Average total assets | $952,411,750 | 1,032 |
| Average earning assets | $908,517,000 | 990 |
| Average equity | $85,346,000 | 1,071 |
| Average total loans | $729,177,500 | 921 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,630 |
| Cost of funding earning assets | 1.5421% | 1,172 |
| Net interest margin | 2.4843% | 4,221 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.7483% | 4,085 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.6582% | 3,438 |
| Return on assets (ROA) | 0.6582% | 3,443 |
| Pretax return on assets | 0.8517% | 3,279 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.2242% | 2,218 |
| Net charge-offs to loans | 0.0296% | 1,300 |
| Credit loss provision to net charge-offs | 765.7143% | 490 |
| Earnings coverage of net charge-offs (x) | 45.4667% | 1,335 |
| Efficiency ratio | 63.0581% | 2,586 |
| Assets per employee ($millions) | 17.2029% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,631 |
| Loan loss allowance to noncurrent loans | 624.8563% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,558 |
| Noncurrent loans to loans | 0.1863% | 2,536 |
| Net loans and leases to total assets | 75.3000% | 1,123 |
| Net loans and leases to deposits | 98.1642% | 593 |
| Net loans and leases to core deposits | 110.9583% | 787 |
| Total domestic deposits to total assets | 76.7000% | 3,985 |
| Equity capital to assets | 8.8011% | 2,659 |
| Core capital (leverage) ratio | 10.2288% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6324% | 1,681 |
| Memoranda: | ||
| Average total assets | $932,220,333 | 1,042 |
| Average earning assets | $888,786,000 | 1,007 |
| Average equity | $84,936,333 | 1,069 |
| Average total loans | $708,450,333 | 930 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,789 |
| Cost of funding earning assets | 1.1761% | 1,518 |
| Net interest margin | 2.6590% | 4,137 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.7625% | 4,094 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.7511% | 3,342 |
| Return on assets (ROA) | 0.7511% | 3,295 |
| Pretax return on assets | 0.9814% | 3,045 |
| Return on Equity (ROE) | 8.0900% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.0946% | 2,190 |
| Net charge-offs to loans | 0.0435% | 923 |
| Credit loss provision to net charge-offs | 576.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 35.4667% | 1,237 |
| Efficiency ratio | 60.0661% | 2,952 |
| Assets per employee ($millions) | 17.3681% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,584 |
| Loan loss allowance to noncurrent loans | 498.5680% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,237 |
| Noncurrent loans to loans | 0.2396% | 2,305 |
| Net loans and leases to total assets | 75.0700% | 1,071 |
| Net loans and leases to deposits | 98.7427% | 496 |
| Net loans and leases to core deposits | 110.5814% | 684 |
| Total domestic deposits to total assets | 76.0300% | 4,159 |
| Equity capital to assets | 9.3395% | 2,266 |
| Core capital (leverage) ratio | 10.6352% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1470% | 1,585 |
| Memoranda: | ||
| Average total assets | $908,047,500 | 1,089 |
| Average earning assets | $864,525,000 | 1,048 |
| Average equity | $84,254,000 | 1,089 |
| Average total loans | $689,159,500 | 966 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 2,754 |
| Cost of funding earning assets | 0.3279% | 2,655 |
| Net interest margin | 3.2889% | 2,598 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.6182% | 4,285 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.4186% | 1,081 |
| Return on assets (ROA) | 1.4186% | 1,044 |
| Pretax return on assets | 1.8688% | 628 |
| Return on Equity (ROE) | 15.2500% | 1,197 |
| Retained earnings to average equity (ytd only) | 15.2541% | 272 |
| Net charge-offs to loans | 0.1320% | 599 |
| Credit loss provision to net charge-offs | 125.7485% | 1,428 |
| Earnings coverage of net charge-offs (x) | 20.8611% | 1,874 |
| Efficiency ratio | 44.8644% | 4,398 |
| Assets per employee ($millions) | 18.6580% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,503 |
| Loan loss allowance to noncurrent loans | 447.6217% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,177 |
| Noncurrent loans to loans | 0.2632% | 2,213 |
| Net loans and leases to total assets | 74.9200% | 1,136 |
| Net loans and leases to deposits | 94.8868% | 719 |
| Net loans and leases to core deposits | 102.1232% | 890 |
| Total domestic deposits to total assets | 78.9500% | 4,009 |
| Equity capital to assets | 9.2160% | 2,217 |
| Core capital (leverage) ratio | 10.5134% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5428% | 1,464 |
| Memoranda: | ||
| Average total assets | $875,927,800 | 1,103 |
| Average earning assets | $833,569,400 | 1,073 |
| Average equity | $81,460,000 | 1,114 |
| Average total loans | $632,418,200 | 996 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 2,601 |
| Cost of funding earning assets | 0.2118% | 3,125 |
| Net interest margin | 3.2922% | 2,319 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.6307% | 4,272 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4510% | 951 |
| Return on assets (ROA) | 1.4510% | 927 |
| Pretax return on assets | 1.9090% | 571 |
| Return on Equity (ROE) | 15.5700% | 1,064 |
| Retained earnings to average equity (ytd only) | 15.5662% | 314 |
| Net charge-offs to loans | 0.1454% | 452 |
| Credit loss provision to net charge-offs | 89.5126% | 1,381 |
| Earnings coverage of net charge-offs (x) | 19.3161% | 1,725 |
| Efficiency ratio | 44.8925% | 4,433 |
| Assets per employee ($millions) | 18.3717% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,440 |
| Loan loss allowance to noncurrent loans | 501.1696% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,427 |
| Noncurrent loans to loans | 0.2429% | 2,413 |
| Net loans and leases to total assets | 69.5300% | 1,528 |
| Net loans and leases to deposits | 78.0126% | 1,705 |
| Net loans and leases to core deposits | 81.1101% | 1,822 |
| Total domestic deposits to total assets | 89.1300% | 2,037 |
| Equity capital to assets | 8.7825% | 2,358 |
| Core capital (leverage) ratio | 10.3455% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7171% | 1,500 |
| Memoranda: | ||
| Average total assets | $871,013,750 | 1,117 |
| Average earning assets | $829,179,750 | 1,082 |
| Average equity | $81,190,750 | 1,129 |
| Average total loans | $620,787,250 | 1,008 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 2,762 |
| Cost of funding earning assets | 0.1413% | 3,696 |
| Net interest margin | 3.1525% | 2,356 |
| Noninterest income to average assets | 0.5262% | 2,059 |
| Noninterest expense to average assets | 1.6120% | 4,296 |
| Loan and lease loss provision to assets | 0.0590% | 1,533 |
| Net operating income to assets | 1.4105% | 884 |
| Return on assets (ROA) | 1.4105% | 858 |
| Pretax return on assets | 1.8556% | 520 |
| Return on Equity (ROE) | 14.8326% | 932 |
| Retained earnings to average equity (ytd only) | 14.8326% | 280 |
| Net charge-offs to loans | 0.1278% | 490 |
| Credit loss provision to net charge-offs | 64.4670% | 1,446 |
| Earnings coverage of net charge-offs (x) | 20.9264% | 1,538 |
| Efficiency ratio | 45.7101% | 4,465 |
| Assets per employee ($millions) | 16.8589% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,463 |
| Loan loss allowance to noncurrent loans | 484.1039% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,442 |
| Noncurrent loans to loans | 0.2564% | 2,450 |
| Net loans and leases to total assets | 70.7370% | 1,229 |
| Net loans and leases to deposits | 81.1116% | 1,308 |
| Net loans and leases to core deposits | 82.7744% | 1,535 |
| Total domestic deposits to total assets | 87.2095% | 2,866 |
| Equity capital to assets | 9.4218% | 2,079 |
| Core capital (leverage) ratio | 10.2910% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6016% | 1,539 |
| Memoranda: | ||
| Average total assets | $861,280,000 | 1,128 |
| Average earning assets | $819,737,667 | 1,094 |
| Average equity | $81,900,667 | 1,139 |
| Average total loans | $616,496,333 | 1,004 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 2,582 |
| Cost of funding earning assets | 0.1165% | 3,934 |
| Net interest margin | 3.1187% | 2,113 |
| Noninterest income to average assets | 0.5916% | 1,727 |
| Noninterest expense to average assets | 1.5656% | 4,348 |
| Loan and lease loss provision to assets | 0.1494% | 529 |
| Net operating income to assets | 1.4079% | 782 |
| Return on assets (ROA) | 1.4079% | 777 |
| Pretax return on assets | 1.8575% | 485 |
| Return on Equity (ROE) | 14.7377% | 694 |
| Retained earnings to average equity (ytd only) | 14.7377% | 307 |
| Net charge-offs to loans | 0.1148% | 474 |
| Credit loss provision to net charge-offs | 181.9209% | 803 |
| Earnings coverage of net charge-offs (x) | 24.4350% | 1,212 |
| Efficiency ratio | 43.8239% | 4,555 |
| Assets per employee ($millions) | 17.6917% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,438 |
| Loan loss allowance to noncurrent loans | 241.3699% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,593 |
| Noncurrent loans to loans | 0.5319% | 1,703 |
| Net loans and leases to total assets | 70.3269% | 991 |
| Net loans and leases to deposits | 80.3604% | 1,120 |
| Net loans and leases to core deposits | 83.4679% | 1,272 |
| Total domestic deposits to total assets | 87.5145% | 2,739 |
| Equity capital to assets | 9.3193% | 2,427 |
| Core capital (leverage) ratio | 9.9960% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3899% | 1,673 |
| Memoranda: | ||
| Average total assets | $862,018,500 | 1,125 |
| Average earning assets | $823,935,000 | 1,091 |
| Average equity | $82,346,500 | 1,164 |
| Average total loans | $616,823,000 | 1,000 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 2,961 |
| Cost of funding earning assets | 0.1478% | 3,999 |
| Net interest margin | 3.2403% | 2,485 |
| Noninterest income to average assets | 0.5513% | 2,355 |
| Noninterest expense to average assets | 1.5482% | 4,486 |
| Loan and lease loss provision to assets | 0.0585% | 1,890 |
| Net operating income to assets | 1.5400% | 938 |
| Return on assets (ROA) | 1.5400% | 976 |
| Pretax return on assets | 2.0289% | 574 |
| Return on Equity (ROE) | 16.6252% | 652 |
| Retained earnings to average equity (ytd only) | 16.6252% | 141 |
| Net charge-offs to loans | 0.0281% | 1,675 |
| Credit loss provision to net charge-offs | 284.3931% | 1,098 |
| Earnings coverage of net charge-offs (x) | 101.4624% | 875 |
| Efficiency ratio | 42.5847% | 4,623 |
| Assets per employee ($millions) | 16.8068% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,544 |
| Loan loss allowance to noncurrent loans | 193.3433% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 1,406 |
| Noncurrent loans to loans | 0.6535% | 1,529 |
| Net loans and leases to total assets | 70.9652% | 925 |
| Net loans and leases to deposits | 81.5066% | 1,103 |
| Net loans and leases to core deposits | 87.1723% | 1,124 |
| Total domestic deposits to total assets | 87.0667% | 2,496 |
| Equity capital to assets | 9.7889% | 2,862 |
| Core capital (leverage) ratio | 9.7596% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1907% | 1,780 |
| Memoranda: | ||
| Average total assets | $840,887,600 | 1,102 |
| Average earning assets | $800,415,400 | 1,091 |
| Average equity | $77,893,600 | 1,234 |
| Average total loans | $614,681,000 | 986 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 3,036 |
| Cost of funding earning assets | 0.1572% | 4,038 |
| Net interest margin | 3.2654% | 2,529 |
| Noninterest income to average assets | 0.6050% | 2,202 |
| Noninterest expense to average assets | 1.5476% | 4,537 |
| Loan and lease loss provision to assets | 0.0679% | 1,646 |
| Net operating income to assets | 1.5877% | 1,061 |
| Return on assets (ROA) | 1.5877% | 1,108 |
| Pretax return on assets | 2.0934% | 680 |
| Return on Equity (ROE) | 17.3926% | 708 |
| Retained earnings to average equity (ytd only) | 17.3926% | 221 |
| Net charge-offs to loans | 0.0143% | 1,803 |
| Credit loss provision to net charge-offs | 645.4545% | 675 |
| Earnings coverage of net charge-offs (x) | 205.5303% | 544 |
| Efficiency ratio | 41.7261% | 4,669 |
| Assets per employee ($millions) | 15.4174% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,674 |
| Loan loss allowance to noncurrent loans | 193.4487% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 1,592 |
| Noncurrent loans to loans | 0.6521% | 1,682 |
| Net loans and leases to total assets | 72.2267% | 850 |
| Net loans and leases to deposits | 82.6886% | 1,052 |
| Net loans and leases to core deposits | 88.6608% | 1,115 |
| Total domestic deposits to total assets | 87.3478% | 2,190 |
| Equity capital to assets | 9.5456% | 3,333 |
| Core capital (leverage) ratio | 9.4977% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7860% | 2,051 |
| Memoranda: | ||
| Average total assets | $836,823,000 | 1,117 |
| Average earning assets | $795,421,500 | 1,101 |
| Average equity | $76,390,750 | 1,273 |
| Average total loans | $614,336,500 | 1,004 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 3,190 |
| Cost of funding earning assets | 0.1717% | 4,027 |
| Net interest margin | 3.2254% | 2,676 |
| Noninterest income to average assets | 0.6671% | 1,942 |
| Noninterest expense to average assets | 1.5765% | 4,542 |
| Loan and lease loss provision to assets | 0.0917% | 1,364 |
| Net operating income to assets | 1.5664% | 1,126 |
| Return on assets (ROA) | 1.5664% | 1,189 |
| Pretax return on assets | 2.0614% | 741 |
| Return on Equity (ROE) | 17.4294% | 728 |
| Retained earnings to average equity (ytd only) | 17.4294% | 251 |
| Net charge-offs to loans | 0.0121% | 1,717 |
| Credit loss provision to net charge-offs | 1,032.4324% | 460 |
| Earnings coverage of net charge-offs (x) | 242.4054% | 444 |
| Efficiency ratio | 42.2696% | 4,689 |
| Assets per employee ($millions) | 15.3671% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,603 |
| Loan loss allowance to noncurrent loans | 212.5749% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 1,887 |
| Noncurrent loans to loans | 0.5956% | 1,916 |
| Net loans and leases to total assets | 72.0568% | 959 |
| Net loans and leases to deposits | 81.9056% | 1,235 |
| Net loans and leases to core deposits | 90.0081% | 1,140 |
| Total domestic deposits to total assets | 87.9754% | 1,839 |
| Equity capital to assets | 9.2060% | 3,599 |
| Core capital (leverage) ratio | 9.1467% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7760% | 2,067 |
| Memoranda: | ||
| Average total assets | $833,111,667 | 1,117 |
| Average earning assets | $791,035,667 | 1,103 |
| Average equity | $74,873,333 | 1,285 |
| Average total loans | $612,356,667 | 1,007 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2929% | 3,464 |
| Cost of funding earning assets | 0.1899% | 4,011 |
| Net interest margin | 3.1030% | 2,975 |
| Noninterest income to average assets | 0.7661% | 1,673 |
| Noninterest expense to average assets | 1.5863% | 4,558 |
| Loan and lease loss provision to assets | 0.0164% | 2,561 |
| Net operating income to assets | 1.6057% | 1,119 |
| Return on assets (ROA) | 1.6057% | 1,168 |
| Pretax return on assets | 2.1024% | 806 |
| Return on Equity (ROE) | 18.0912% | 719 |
| Retained earnings to average equity (ytd only) | 18.0912% | 366 |
| Net charge-offs to loans | 0.0485% | 1,009 |
| Credit loss provision to net charge-offs | 45.9459% | 1,328 |
| Earnings coverage of net charge-offs (x) | 59.2027% | 826 |
| Efficiency ratio | 42.8143% | 4,641 |
| Assets per employee ($millions) | 15.2429% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,858 |
| Loan loss allowance to noncurrent loans | 192.9574% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 2,017 |
| Noncurrent loans to loans | 0.6294% | 1,995 |
| Net loans and leases to total assets | 72.0373% | 1,020 |
| Net loans and leases to deposits | 81.4371% | 1,379 |
| Net loans and leases to core deposits | 90.0393% | 1,230 |
| Total domestic deposits to total assets | 88.4576% | 1,626 |
| Equity capital to assets | 8.8505% | 3,831 |
| Core capital (leverage) ratio | 8.9998% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3903% | 2,125 |
| Memoranda: | ||
| Average total assets | $827,071,500 | 1,109 |
| Average earning assets | $783,375,500 | 1,100 |
| Average equity | $73,406,000 | 1,305 |
| Average total loans | $610,121,000 | 1,009 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 3,823 |
| Cost of funding earning assets | 0.4735% | 3,125 |
| Net interest margin | 3.1235% | 3,576 |
| Noninterest income to average assets | 0.6529% | 2,016 |
| Noninterest expense to average assets | 1.5236% | 4,761 |
| Loan and lease loss provision to assets | 0.3724% | 879 |
| Net operating income to assets | 1.3311% | 1,172 |
| Return on assets (ROA) | 1.3309% | 1,268 |
| Pretax return on assets | 1.7292% | 803 |
| Return on Equity (ROE) | 14.7494% | 677 |
| Retained earnings to average equity (ytd only) | 14.7494% | 164 |
| Net charge-offs to loans | 0.0366% | 2,320 |
| Credit loss provision to net charge-offs | 1,322.0096% | 630 |
| Earnings coverage of net charge-offs (x) | 74.6124% | 937 |
| Efficiency ratio | 42.0254% | 4,831 |
| Assets per employee ($millions) | 14.0652% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,333 |
| Loan loss allowance to noncurrent loans | 549.7592% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,514 |
| Noncurrent loans to loans | 0.2046% | 3,476 |
| Net loans and leases to total assets | 73.7984% | 1,050 |
| Net loans and leases to deposits | 83.3848% | 1,506 |
| Net loans and leases to core deposits | 95.6053% | 1,148 |
| Total domestic deposits to total assets | 88.5034% | 1,225 |
| Equity capital to assets | 8.9010% | 4,146 |
| Core capital (leverage) ratio | 8.9203% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2369% | 2,151 |
| Memoranda: | ||
| Average total assets | $741,914,000 | 1,118 |
| Average earning assets | $706,064,600 | 1,094 |
| Average equity | $66,945,200 | 1,344 |
| Average total loans | $571,455,000 | 1,024 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 3,990 |
| Cost of funding earning assets | 0.5502% | 2,924 |
| Net interest margin | 3.0581% | 3,843 |
| Noninterest income to average assets | 0.6272% | 2,074 |
| Noninterest expense to average assets | 1.5452% | 4,773 |
| Loan and lease loss provision to assets | 0.4655% | 673 |
| Net operating income to assets | 1.1839% | 1,693 |
| Return on assets (ROA) | 1.1839% | 1,815 |
| Pretax return on assets | 1.5339% | 1,368 |
| Return on Equity (ROE) | 13.0709% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.0709% | 327 |
| Net charge-offs to loans | 0.0365% | 2,105 |
| Credit loss provision to net charge-offs | 1,640.2597% | 577 |
| Earnings coverage of net charge-offs (x) | 70.4481% | 989 |
| Efficiency ratio | 43.5917% | 4,807 |
| Assets per employee ($millions) | 14.2743% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,327 |
| Loan loss allowance to noncurrent loans | 533.0136% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 3,629 |
| Noncurrent loans to loans | 0.2019% | 3,578 |
| Net loans and leases to total assets | 76.6913% | 1,003 |
| Net loans and leases to deposits | 87.6880% | 1,522 |
| Net loans and leases to core deposits | 100.3776% | 1,138 |
| Total domestic deposits to total assets | 87.4593% | 1,469 |
| Equity capital to assets | 8.6589% | 4,365 |
| Core capital (leverage) ratio | 8.6320% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5051% | 2,415 |
| Memoranda: | ||
| Average total assets | $723,447,000 | 1,126 |
| Average earning assets | $690,177,500 | 1,102 |
| Average equity | $65,528,250 | 1,354 |
| Average total loans | $562,097,750 | 1,035 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 4,097 |
| Cost of funding earning assets | 0.6521% | 2,683 |
| Net interest margin | 3.0439% | 4,033 |
| Noninterest income to average assets | 0.5899% | 2,170 |
| Noninterest expense to average assets | 1.5825% | 4,790 |
| Loan and lease loss provision to assets | 0.5222% | 659 |
| Net operating income to assets | 1.0734% | 2,060 |
| Return on assets (ROA) | 1.0734% | 2,190 |
| Pretax return on assets | 1.3897% | 1,749 |
| Return on Equity (ROE) | 11.6549% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.6549% | 504 |
| Net charge-offs to loans | 0.0449% | 1,850 |
| Credit loss provision to net charge-offs | 1,494.2623% | 607 |
| Earnings coverage of net charge-offs (x) | 54.7049% | 1,038 |
| Efficiency ratio | 45.2861% | 4,760 |
| Assets per employee ($millions) | 13.6438% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,561 |
| Loan loss allowance to noncurrent loans | 474.4462% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 3,697 |
| Noncurrent loans to loans | 0.2115% | 3,625 |
| Net loans and leases to total assets | 77.4439% | 926 |
| Net loans and leases to deposits | 87.8794% | 1,573 |
| Net loans and leases to core deposits | 102.6894% | 1,083 |
| Total domestic deposits to total assets | 88.1252% | 1,115 |
| Equity capital to assets | 8.7180% | 4,336 |
| Core capital (leverage) ratio | 8.7871% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1294% | 2,557 |
| Memoranda: | ||
| Average total assets | $698,143,000 | 1,149 |
| Average earning assets | $666,181,000 | 1,117 |
| Average equity | $64,299,000 | 1,360 |
| Average total loans | $542,894,667 | 1,049 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 4,212 |
| Cost of funding earning assets | 0.8326% | 2,211 |
| Net interest margin | 2.9779% | 4,321 |
| Noninterest income to average assets | 0.7108% | 1,615 |
| Noninterest expense to average assets | 1.6946% | 4,784 |
| Loan and lease loss provision to assets | 0.5184% | 562 |
| Net operating income to assets | 1.0259% | 2,090 |
| Return on assets (ROA) | 1.0259% | 2,188 |
| Pretax return on assets | 1.3326% | 1,772 |
| Return on Equity (ROE) | 10.8071% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.8071% | 595 |
| Net charge-offs to loans | 0.0404% | 1,634 |
| Credit loss provision to net charge-offs | 1,657.6923% | 393 |
| Earnings coverage of net charge-offs (x) | 59.1923% | 812 |
| Efficiency ratio | 47.7951% | 4,768 |
| Assets per employee ($millions) | 12.2751% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,866 |
| Loan loss allowance to noncurrent loans | 527.4793% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,944 |
| Noncurrent loans to loans | 0.1832% | 3,819 |
| Net loans and leases to total assets | 76.1162% | 1,282 |
| Net loans and leases to deposits | 87.2000% | 1,840 |
| Net loans and leases to core deposits | 103.1190% | 1,238 |
| Total domestic deposits to total assets | 87.2892% | 1,431 |
| Equity capital to assets | 9.3613% | 4,346 |
| Core capital (leverage) ratio | 9.4902% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $665,187,500 | 1,163 |
| Average earning assets | $633,199,500 | 1,137 |
| Average equity | $63,143,500 | 1,370 |
| Average total loans | $515,487,000 | 1,069 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 4,136 |
| Cost of funding earning assets | 0.8186% | 2,591 |
| Net interest margin | 3.2357% | 4,121 |
| Noninterest income to average assets | 0.5470% | 2,505 |
| Noninterest expense to average assets | 1.6892% | 4,882 |
| Loan and lease loss provision to assets | 0.1196% | 1,774 |
| Net operating income to assets | 1.4001% | 1,343 |
| Return on assets (ROA) | 1.4001% | 1,412 |
| Pretax return on assets | 1.8137% | 902 |
| Return on Equity (ROE) | 14.3217% | 837 |
| Retained earnings to average equity (ytd only) | 14.3217% | 110 |
| Net charge-offs to loans | 0.0437% | 2,518 |
| Credit loss provision to net charge-offs | 338.6473% | 817 |
| Earnings coverage of net charge-offs (x) | 54.7391% | 1,048 |
| Efficiency ratio | 46.6299% | 4,893 |
| Assets per employee ($millions) | 11.9068% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 4,140 |
| Loan loss allowance to noncurrent loans | 1,550.9025% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,426 |
| Noncurrent loans to loans | 0.0551% | 4,322 |
| Net loans and leases to total assets | 77.5068% | 1,158 |
| Net loans and leases to deposits | 90.8043% | 1,505 |
| Net loans and leases to core deposits | 104.6330% | 1,193 |
| Total domestic deposits to total assets | 85.3559% | 2,367 |
| Equity capital to assets | 9.6330% | 4,238 |
| Core capital (leverage) ratio | 9.5925% | 3,969 |
| Tier 1 risk-based capital ratio | 12.7412% | 3,925 |
| Total risk-based capital ratio | 13.6385% | 4,004 |
| Memoranda: | ||
| Average total assets | $586,080,800 | 1,241 |
| Average earning assets | $557,073,600 | 1,220 |
| Average equity | $57,297,600 | 1,420 |
| Average total loans | $473,878,000 | 1,124 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 4,224 |
| Cost of funding earning assets | 0.7973% | 2,735 |
| Net interest margin | 3.2710% | 4,147 |
| Noninterest income to average assets | 0.5505% | 2,454 |
| Noninterest expense to average assets | 1.7211% | 4,901 |
| Loan and lease loss provision to assets | 0.1135% | 1,713 |
| Net operating income to assets | 1.4075% | 1,446 |
| Return on assets (ROA) | 1.4075% | 1,507 |
| Pretax return on assets | 1.8216% | 1,032 |
| Return on Equity (ROE) | 14.3382% | 918 |
| Retained earnings to average equity (ytd only) | 14.3382% | 190 |
| Net charge-offs to loans | 0.0420% | 2,252 |
| Credit loss provision to net charge-offs | 331.2925% | 895 |
| Earnings coverage of net charge-offs (x) | 56.4612% | 1,100 |
| Efficiency ratio | 47.0731% | 4,895 |
| Assets per employee ($millions) | 10.9728% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,228 |
| Loan loss allowance to noncurrent loans | 2,876.3889% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,625 |
| Noncurrent loans to loans | 0.0295% | 4,537 |
| Net loans and leases to total assets | 80.0618% | 839 |
| Net loans and leases to deposits | 94.2665% | 1,197 |
| Net loans and leases to core deposits | 100.3106% | 1,634 |
| Total domestic deposits to total assets | 84.9314% | 2,446 |
| Equity capital to assets | 9.8403% | 4,171 |
| Core capital (leverage) ratio | 9.9943% | 3,647 |
| Tier 1 risk-based capital ratio | 13.0272% | 3,829 |
| Total risk-based capital ratio | 13.9447% | 3,902 |
| Memoranda: | ||
| Average total assets | $571,859,000 | 1,274 |
| Average earning assets | $542,983,000 | 1,251 |
| Average equity | $56,137,750 | 1,439 |
| Average total loans | $466,687,500 | 1,140 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 4,295 |
| Cost of funding earning assets | 0.7722% | 2,790 |
| Net interest margin | 3.2695% | 4,202 |
| Noninterest income to average assets | 0.5601% | 2,343 |
| Noninterest expense to average assets | 1.7359% | 4,940 |
| Loan and lease loss provision to assets | 0.0991% | 1,885 |
| Net operating income to assets | 1.4138% | 1,395 |
| Return on assets (ROA) | 1.4138% | 1,447 |
| Pretax return on assets | 1.8343% | 966 |
| Return on Equity (ROE) | 14.4148% | 893 |
| Retained earnings to average equity (ytd only) | 14.4148% | 202 |
| Net charge-offs to loans | 0.0470% | 1,974 |
| Credit loss provision to net charge-offs | 257.4074% | 996 |
| Earnings coverage of net charge-offs (x) | 50.2407% | 1,090 |
| Efficiency ratio | 47.3102% | 4,931 |
| Assets per employee ($millions) | 9.7915% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 4,276 |
| Loan loss allowance to noncurrent loans | 768.2785% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,326 |
| Noncurrent loans to loans | 0.1103% | 4,178 |
| Net loans and leases to total assets | 80.4417% | 814 |
| Net loans and leases to deposits | 94.9225% | 1,161 |
| Net loans and leases to core deposits | 101.5336% | 1,593 |
| Total domestic deposits to total assets | 84.7446% | 2,582 |
| Equity capital to assets | 9.9074% | 4,053 |
| Core capital (leverage) ratio | 9.9636% | 3,617 |
| Tier 1 risk-based capital ratio | 13.1125% | 3,776 |
| Total risk-based capital ratio | 14.0305% | 3,859 |
| Memoranda: | ||
| Average total assets | $561,310,330 | 1,293 |
| Average earning assets | $533,777,330 | 1,268 |
| Average equity | $55,054,670 | 1,450 |
| Average total loans | $459,810,330 | 1,147 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 4,385 |
| Cost of funding earning assets | 0.7249% | 2,920 |
| Net interest margin | 3.2667% | 4,239 |
| Noninterest income to average assets | 0.6133% | 1,986 |
| Noninterest expense to average assets | 1.7197% | 5,003 |
| Loan and lease loss provision to assets | 0.1229% | 1,428 |
| Net operating income to assets | 1.4406% | 1,265 |
| Return on assets (ROA) | 1.4406% | 1,295 |
| Pretax return on assets | 1.8795% | 831 |
| Return on Equity (ROE) | 14.7653% | 799 |
| Retained earnings to average equity (ytd only) | 14.7653% | 293 |
| Net charge-offs to loans | 0.0562% | 1,484 |
| Credit loss provision to net charge-offs | 265.6250% | 892 |
| Earnings coverage of net charge-offs (x) | 43.2656% | 1,105 |
| Efficiency ratio | 46.2017% | 5,022 |
| Assets per employee ($millions) | 10.4442% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 4,360 |
| Loan loss allowance to noncurrent loans | 710.5455% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 4,321 |
| Noncurrent loans to loans | 0.1191% | 4,207 |
| Net loans and leases to total assets | 81.1713% | 689 |
| Net loans and leases to deposits | 96.1872% | 948 |
| Net loans and leases to core deposits | 103.4446% | 1,354 |
| Total domestic deposits to total assets | 84.3889% | 2,907 |
| Equity capital to assets | 9.7651% | 4,034 |
| Core capital (leverage) ratio | 9.8706% | 3,738 |
| Tier 1 risk-based capital ratio | 13.2294% | 3,752 |
| Total risk-based capital ratio | 14.1736% | 3,811 |
| Memoranda: | ||
| Average total assets | $553,116,500 | 1,311 |
| Average earning assets | $526,396,000 | 1,285 |
| Average equity | $53,964,500 | 1,473 |
| Average total loans | $455,374,500 | 1,162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,330 |
| Cost of funding earning assets | 0.5569% | 3,006 |
| Net interest margin | 3.3163% | 4,210 |
| Noninterest income to average assets | 0.5056% | 2,809 |
| Noninterest expense to average assets | 1.7434% | 5,050 |
| Loan and lease loss provision to assets | 0.0780% | 2,565 |
| Net operating income to assets | 1.4229% | 1,351 |
| Return on assets (ROA) | 1.4229% | 1,354 |
| Pretax return on assets | 1.8456% | 820 |
| Return on Equity (ROE) | 15.0560% | 816 |
| Retained earnings to average equity (ytd only) | 15.0560% | 112 |
| Net charge-offs to loans | 0.0272% | 2,866 |
| Credit loss provision to net charge-offs | 353.0435% | 902 |
| Earnings coverage of net charge-offs (x) | 87.0522% | 813 |
| Efficiency ratio | 47.5424% | 5,062 |
| Assets per employee ($millions) | 10.0416% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,368 |
| Loan loss allowance to noncurrent loans | 626.3591% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,270 |
| Noncurrent loans to loans | 0.1352% | 4,131 |
| Net loans and leases to total assets | 82.1110% | 630 |
| Net loans and leases to deposits | 96.6705% | 1,008 |
| Net loans and leases to core deposits | 104.3423% | 1,388 |
| Total domestic deposits to total assets | 84.9391% | 2,666 |
| Equity capital to assets | 9.7475% | 3,909 |
| Core capital (leverage) ratio | 9.6023% | 4,003 |
| Tier 1 risk-based capital ratio | 13.2046% | 3,721 |
| Total risk-based capital ratio | 14.1576% | 3,787 |
| Memoranda: | ||
| Average total assets | $520,415,000 | 1,355 |
| Average earning assets | $496,121,600 | 1,322 |
| Average equity | $49,183,200 | 1,536 |
| Average total loans | $422,748,200 | 1,200 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,438 |
| Cost of funding earning assets | 0.5052% | 3,166 |
| Net interest margin | 3.2945% | 4,294 |
| Noninterest income to average assets | 0.5098% | 2,807 |
| Noninterest expense to average assets | 1.7407% | 5,095 |
| Loan and lease loss provision to assets | 0.1372% | 1,458 |
| Net operating income to assets | 1.3681% | 1,594 |
| Return on assets (ROA) | 1.3681% | 1,596 |
| Pretax return on assets | 1.7710% | 1,085 |
| Return on Equity (ROE) | 14.5968% | 958 |
| Retained earnings to average equity (ytd only) | 14.5968% | 194 |
| Net charge-offs to loans | 0.0279% | 2,547 |
| Credit loss provision to net charge-offs | 609.1954% | 586 |
| Earnings coverage of net charge-offs (x) | 84.7105% | 850 |
| Efficiency ratio | 47.7045% | 5,063 |
| Assets per employee ($millions) | 10.3460% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,229 |
| Loan loss allowance to noncurrent loans | 1,520.7692% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,727 |
| Noncurrent loans to loans | 0.0598% | 4,626 |
| Net loans and leases to total assets | 80.0719% | 1,008 |
| Net loans and leases to deposits | 93.9265% | 1,386 |
| Net loans and leases to core deposits | 106.6699% | 1,256 |
| Total domestic deposits to total assets | 85.2495% | 2,510 |
| Equity capital to assets | 9.4470% | 4,129 |
| Core capital (leverage) ratio | 9.5279% | 4,141 |
| Tier 1 risk-based capital ratio | 13.0219% | 3,892 |
| Total risk-based capital ratio | 14.0406% | 3,926 |
| Memoranda: | ||
| Average total assets | $514,957,750 | 1,370 |
| Average earning assets | $490,663,250 | 1,339 |
| Average equity | $48,265,250 | 1,561 |
| Average total loans | $416,174,250 | 1,216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,441 |
| Cost of funding earning assets | 0.4602% | 3,280 |
| Net interest margin | 3.3033% | 4,239 |
| Noninterest income to average assets | 0.5216% | 2,742 |
| Noninterest expense to average assets | 1.7734% | 5,128 |
| Loan and lease loss provision to assets | 0.1628% | 1,141 |
| Net operating income to assets | 1.3456% | 1,616 |
| Return on assets (ROA) | 1.3456% | 1,622 |
| Pretax return on assets | 1.7324% | 1,133 |
| Return on Equity (ROE) | 14.3971% | 987 |
| Retained earnings to average equity (ytd only) | 14.3971% | 244 |
| Net charge-offs to loans | 0.0371% | 2,107 |
| Credit loss provision to net charge-offs | 543.4211% | 670 |
| Earnings coverage of net charge-offs (x) | 63.2500% | 962 |
| Efficiency ratio | 48.3396% | 5,104 |
| Assets per employee ($millions) | 9.8363% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,347 |
| Loan loss allowance to noncurrent loans | 3,128.4553% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,910 |
| Noncurrent loans to loans | 0.0287% | 4,795 |
| Net loans and leases to total assets | 81.3870% | 797 |
| Net loans and leases to deposits | 97.7606% | 982 |
| Net loans and leases to core deposits | 111.5326% | 907 |
| Total domestic deposits to total assets | 83.2513% | 3,341 |
| Equity capital to assets | 9.4053% | 4,185 |
| Core capital (leverage) ratio | 9.2911% | 4,370 |
| Tier 1 risk-based capital ratio | 12.7618% | 4,031 |
| Total risk-based capital ratio | 13.7709% | 4,068 |
| Memoranda: | ||
| Average total assets | $507,280,330 | 1,394 |
| Average earning assets | $483,279,670 | 1,365 |
| Average equity | $47,412,330 | 1,592 |
| Average total loans | $409,988,000 | 1,232 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,518 |
| Cost of funding earning assets | 0.3997% | 3,587 |
| Net interest margin | 3.2769% | 4,247 |
| Noninterest income to average assets | 0.5421% | 2,567 |
| Noninterest expense to average assets | 1.7927% | 5,161 |
| Loan and lease loss provision to assets | 0.1711% | 1,032 |
| Net operating income to assets | 1.3161% | 1,591 |
| Return on assets (ROA) | 1.3161% | 1,598 |
| Pretax return on assets | 1.6983% | 1,120 |
| Return on Equity (ROE) | 14.1280% | 982 |
| Retained earnings to average equity (ytd only) | 14.1280% | 398 |
| Net charge-offs to loans | 0.0758% | 1,367 |
| Credit loss provision to net charge-offs | 281.5789% | 856 |
| Earnings coverage of net charge-offs (x) | 30.7632% | 1,222 |
| Efficiency ratio | 48.9520% | 5,144 |
| Assets per employee ($millions) | 9.4612% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,511 |
| Loan loss allowance to noncurrent loans | 2,942.7419% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,995 |
| Noncurrent loans to loans | 0.0301% | 4,844 |
| Net loans and leases to total assets | 80.0124% | 932 |
| Net loans and leases to deposits | 94.6829% | 1,168 |
| Net loans and leases to core deposits | 102.5799% | 1,476 |
| Total domestic deposits to total assets | 84.5057% | 3,114 |
| Equity capital to assets | 9.2591% | 4,309 |
| Core capital (leverage) ratio | 9.3101% | 4,311 |
| Tier 1 risk-based capital ratio | 12.4999% | 4,238 |
| Total risk-based capital ratio | 13.4711% | 4,319 |
| Memoranda: | ||
| Average total assets | $500,258,500 | 1,425 |
| Average earning assets | $476,307,500 | 1,396 |
| Average equity | $46,602,500 | 1,625 |
| Average total loans | $400,913,000 | 1,259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,679 |
| Cost of funding earning assets | 0.3364% | 3,827 |
| Net interest margin | 3.2202% | 4,390 |
| Noninterest income to average assets | 0.4938% | 3,037 |
| Noninterest expense to average assets | 1.8180% | 5,228 |
| Loan and lease loss provision to assets | 0.1131% | 2,014 |
| Net operating income to assets | 1.0956% | 1,870 |
| Return on assets (ROA) | 1.0908% | 1,910 |
| Pretax return on assets | 1.6215% | 1,237 |
| Return on Equity (ROE) | 11.7817% | 1,272 |
| Retained earnings to average equity (ytd only) | 11.7817% | 191 |
| Net charge-offs to loans | 0.0364% | 3,061 |
| Credit loss provision to net charge-offs | 393.2836% | 771 |
| Earnings coverage of net charge-offs (x) | 60.5896% | 951 |
| Efficiency ratio | 51.0727% | 5,163 |
| Assets per employee ($millions) | 8.7431% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 4,467 |
| Loan loss allowance to noncurrent loans | 362.7066% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,149 |
| Noncurrent loans to loans | 0.2486% | 3,901 |
| Net loans and leases to total assets | 78.8131% | 1,156 |
| Net loans and leases to deposits | 94.8525% | 1,188 |
| Net loans and leases to core deposits | 98.0922% | 1,857 |
| Total domestic deposits to total assets | 83.0901% | 3,531 |
| Equity capital to assets | 9.3747% | 4,358 |
| Core capital (leverage) ratio | 9.3833% | 4,186 |
| Tier 1 risk-based capital ratio | 13.0347% | 3,884 |
| Total risk-based capital ratio | 14.0447% | 3,932 |
| Memoranda: | ||
| Average total assets | $466,162,800 | 1,489 |
| Average earning assets | $443,824,400 | 1,454 |
| Average equity | $43,160,000 | 1,723 |
| Average total loans | $368,217,800 | 1,318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 4,702 |
| Cost of funding earning assets | 0.3332% | 3,826 |
| Net interest margin | 3.2132% | 4,416 |
| Noninterest income to average assets | 0.4863% | 3,112 |
| Noninterest expense to average assets | 1.8321% | 5,230 |
| Loan and lease loss provision to assets | 0.0443% | 3,213 |
| Net operating income to assets | 1.1010% | 2,088 |
| Return on assets (ROA) | 1.1010% | 2,138 |
| Pretax return on assets | 1.6713% | 1,193 |
| Return on Equity (ROE) | 11.9314% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.9314% | 301 |
| Net charge-offs to loans | 0.0389% | 2,659 |
| Credit loss provision to net charge-offs | 144.3396% | 1,739 |
| Earnings coverage of net charge-offs (x) | 55.8773% | 1,040 |
| Efficiency ratio | 51.6411% | 5,130 |
| Assets per employee ($millions) | 8.3963% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,707 |
| Loan loss allowance to noncurrent loans | 701.7738% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,361 |
| Noncurrent loans to loans | 0.1231% | 4,567 |
| Net loans and leases to total assets | 77.2600% | 1,389 |
| Net loans and leases to deposits | 92.1047% | 1,555 |
| Net loans and leases to core deposits | 94.9872% | 2,170 |
| Total domestic deposits to total assets | 83.8828% | 3,162 |
| Equity capital to assets | 9.5086% | 4,439 |
| Core capital (leverage) ratio | 9.4166% | 4,269 |
| Tier 1 risk-based capital ratio | 13.2008% | 3,877 |
| Total risk-based capital ratio | 14.1530% | 3,982 |
| Memoranda: | ||
| Average total assets | $460,300,000 | 1,522 |
| Average earning assets | $438,556,500 | 1,486 |
| Average equity | $42,475,000 | 1,768 |
| Average total loans | $362,924,500 | 1,346 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 4,653 |
| Cost of funding earning assets | 0.3269% | 3,833 |
| Net interest margin | 3.2136% | 4,376 |
| Noninterest income to average assets | 0.4674% | 3,239 |
| Noninterest expense to average assets | 1.8442% | 5,265 |
| Loan and lease loss provision to assets | 0.0534% | 2,910 |
| Net operating income to assets | 1.0731% | 2,113 |
| Return on assets (ROA) | 1.0731% | 2,159 |
| Pretax return on assets | 1.6328% | 1,245 |
| Return on Equity (ROE) | 11.7516% | 1,375 |
| Retained earnings to average equity (ytd only) | 11.7516% | 345 |
| Net charge-offs to loans | 0.0337% | 2,514 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 63.1639% | 917 |
| Efficiency ratio | 52.2375% | 5,160 |
| Assets per employee ($millions) | 8.4662% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,750 |
| Loan loss allowance to noncurrent loans | 337.4735% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,912 |
| Noncurrent loans to loans | 0.2579% | 4,115 |
| Net loans and leases to total assets | 77.7647% | 1,278 |
| Net loans and leases to deposits | 92.9962% | 1,359 |
| Net loans and leases to core deposits | 97.1929% | 1,874 |
| Total domestic deposits to total assets | 83.6214% | 3,355 |
| Equity capital to assets | 9.3106% | 4,611 |
| Core capital (leverage) ratio | 9.1172% | 4,595 |
| Tier 1 risk-based capital ratio | 12.7404% | 4,157 |
| Total risk-based capital ratio | 13.6929% | 4,221 |
| Memoranda: | ||
| Average total assets | $457,002,330 | 1,538 |
| Average earning assets | $435,582,670 | 1,505 |
| Average equity | $41,730,330 | 1,792 |
| Average total loans | $361,754,000 | 1,352 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 4,736 |
| Cost of funding earning assets | 0.3187% | 3,864 |
| Net interest margin | 3.1653% | 4,450 |
| Noninterest income to average assets | 0.5001% | 2,978 |
| Noninterest expense to average assets | 1.8574% | 5,297 |
| Loan and lease loss provision to assets | 0.1723% | 1,024 |
| Net operating income to assets | 0.9835% | 2,375 |
| Return on assets (ROA) | 0.9835% | 2,422 |
| Pretax return on assets | 1.4898% | 1,569 |
| Return on Equity (ROE) | 10.8802% | 1,611 |
| Retained earnings to average equity (ytd only) | 10.8802% | 628 |
| Net charge-offs to loans | 0.0322% | 2,127 |
| Credit loss provision to net charge-offs | 672.4138% | 471 |
| Earnings coverage of net charge-offs (x) | 64.8621% | 759 |
| Efficiency ratio | 52.7743% | 5,224 |
| Assets per employee ($millions) | 8.5576% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,781 |
| Loan loss allowance to noncurrent loans | 1,080.2632% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,508 |
| Noncurrent loans to loans | 0.0827% | 4,866 |
| Net loans and leases to total assets | 78.8431% | 1,006 |
| Net loans and leases to deposits | 93.2646% | 1,189 |
| Net loans and leases to core deposits | 96.5485% | 1,777 |
| Total domestic deposits to total assets | 84.5370% | 3,285 |
| Equity capital to assets | 9.0836% | 4,728 |
| Core capital (leverage) ratio | 9.0524% | 4,676 |
| Tier 1 risk-based capital ratio | 11.9961% | 4,721 |
| Total risk-based capital ratio | 12.9529% | 4,808 |
| Memoranda: | ||
| Average total assets | $452,684,000 | 1,560 |
| Average earning assets | $431,814,000 | 1,519 |
| Average equity | $40,918,500 | 1,824 |
| Average total loans | $359,990,000 | 1,364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,816 |
| Cost of funding earning assets | 0.3215% | 3,827 |
| Net interest margin | 3.1655% | 4,548 |
| Noninterest income to average assets | 0.5484% | 2,926 |
| Noninterest expense to average assets | 1.9014% | 5,361 |
| Loan and lease loss provision to assets | 0.0846% | 2,663 |
| Net operating income to assets | 1.0547% | 2,116 |
| Return on assets (ROA) | 1.0506% | 2,241 |
| Pretax return on assets | 1.5596% | 1,402 |
| Return on Equity (ROE) | 11.5368% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.5368% | 250 |
| Net charge-offs to loans | 0.0764% | 2,605 |
| Credit loss provision to net charge-offs | 141.1290% | 1,941 |
| Earnings coverage of net charge-offs (x) | 27.5323% | 1,510 |
| Efficiency ratio | 53.5352% | 5,280 |
| Assets per employee ($millions) | 8.6913% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,841 |
| Loan loss allowance to noncurrent loans | 1,042.8094% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,551 |
| Noncurrent loans to loans | 0.0849% | 4,903 |
| Net loans and leases to total assets | 78.7884% | 1,073 |
| Net loans and leases to deposits | 93.4366% | 1,255 |
| Net loans and leases to core deposits | 96.7547% | 1,857 |
| Total domestic deposits to total assets | 84.3229% | 3,307 |
| Equity capital to assets | 8.9927% | 4,830 |
| Core capital (leverage) ratio | 8.9257% | 4,829 |
| Tier 1 risk-based capital ratio | 11.8603% | 4,815 |
| Total risk-based capital ratio | 12.8073% | 4,923 |
| Memoranda: | ||
| Average total assets | $413,753,000 | 1,632 |
| Average earning assets | $392,541,200 | 1,600 |
| Average equity | $37,679,400 | 1,939 |
| Average total loans | $324,598,200 | 1,438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 4,900 |
| Cost of funding earning assets | 0.3190% | 3,881 |
| Net interest margin | 3.1479% | 4,649 |
| Noninterest income to average assets | 0.5824% | 2,752 |
| Noninterest expense to average assets | 1.9325% | 5,330 |
| Loan and lease loss provision to assets | 0.0991% | 2,245 |
| Net operating income to assets | 1.0161% | 2,358 |
| Return on assets (ROA) | 1.0161% | 2,492 |
| Pretax return on assets | 1.5329% | 1,600 |
| Return on Equity (ROE) | 11.1198% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.1198% | 411 |
| Net charge-offs to loans | 0.0772% | 2,217 |
| Credit loss provision to net charge-offs | 164.1304% | 1,678 |
| Earnings coverage of net charge-offs (x) | 27.0323% | 1,579 |
| Efficiency ratio | 54.2158% | 5,224 |
| Assets per employee ($millions) | 8.1197% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,741 |
| Loan loss allowance to noncurrent loans | 482.8968% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,248 |
| Noncurrent loans to loans | 0.1931% | 4,576 |
| Net loans and leases to total assets | 77.3834% | 1,297 |
| Net loans and leases to deposits | 91.7154% | 1,533 |
| Net loans and leases to core deposits | 94.9339% | 2,109 |
| Total domestic deposits to total assets | 84.3734% | 3,073 |
| Equity capital to assets | 8.9949% | 5,184 |
| Core capital (leverage) ratio | 9.2635% | 4,515 |
| Tier 1 risk-based capital ratio | 11.6739% | 4,995 |
| Total risk-based capital ratio | 12.6426% | 5,061 |
| Memoranda: | ||
| Average total assets | $406,376,750 | 1,662 |
| Average earning assets | $384,963,750 | 1,623 |
| Average equity | $37,134,000 | 1,984 |
| Average total loans | $317,659,250 | 1,460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,867 |
| Cost of funding earning assets | 0.3169% | 3,941 |
| Net interest margin | 3.1814% | 4,605 |
| Noninterest income to average assets | 0.5823% | 2,713 |
| Noninterest expense to average assets | 1.9564% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0688% | 2,091 |
| Return on assets (ROA) | 1.0688% | 2,211 |
| Pretax return on assets | 1.6446% | 1,235 |
| Return on Equity (ROE) | 11.6310% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.6310% | 376 |
| Net charge-offs to loans | 0.0713% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.5135% | 1,399 |
| Efficiency ratio | 54.3287% | 5,282 |
| Assets per employee ($millions) | 8.0237% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,853 |
| Loan loss allowance to noncurrent loans | 363.5795% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,077 |
| Noncurrent loans to loans | 0.2556% | 4,437 |
| Net loans and leases to total assets | 77.1900% | 1,303 |
| Net loans and leases to deposits | 92.3259% | 1,469 |
| Net loans and leases to core deposits | 95.2117% | 2,049 |
| Total domestic deposits to total assets | 83.6060% | 3,419 |
| Equity capital to assets | 9.4249% | 4,846 |
| Core capital (leverage) ratio | 9.1390% | 4,677 |
| Tier 1 risk-based capital ratio | 12.2367% | 4,682 |
| Total risk-based capital ratio | 13.2030% | 4,770 |
| Memoranda: | ||
| Average total assets | $398,387,670 | 1,699 |
| Average earning assets | $378,007,000 | 1,649 |
| Average equity | $36,609,000 | 2,011 |
| Average total loans | $311,496,000 | 1,483 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4815% | 4,930 |
| Cost of funding earning assets | 0.3133% | 4,024 |
| Net interest margin | 3.1682% | 4,680 |
| Noninterest income to average assets | 0.5784% | 2,644 |
| Noninterest expense to average assets | 1.9446% | 5,444 |
| Loan and lease loss provision to assets | 0.0957% | 2,094 |
| Net operating income to assets | 1.0025% | 2,265 |
| Return on assets (ROA) | 1.0025% | 2,385 |
| Pretax return on assets | 1.5436% | 1,459 |
| Return on Equity (ROE) | 11.0531% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.0531% | 642 |
| Net charge-offs to loans | 0.0206% | 2,527 |
| Credit loss provision to net charge-offs | 593.7500% | 535 |
| Earnings coverage of net charge-offs (x) | 101.6875% | 533 |
| Efficiency ratio | 54.2592% | 5,365 |
| Assets per employee ($millions) | 8.0596% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,771 |
| Loan loss allowance to noncurrent loans | 436.5303% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,248 |
| Noncurrent loans to loans | 0.2217% | 4,635 |
| Net loans and leases to total assets | 78.5739% | 1,018 |
| Net loans and leases to deposits | 94.7377% | 1,069 |
| Net loans and leases to core deposits | 96.4422% | 1,753 |
| Total domestic deposits to total assets | 82.9384% | 3,924 |
| Equity capital to assets | 9.0878% | 5,093 |
| Core capital (leverage) ratio | 9.0330% | 4,810 |
| Tier 1 risk-based capital ratio | 11.5830% | 5,182 |
| Total risk-based capital ratio | 12.5888% | 5,223 |
| Memoranda: | ||
| Average total assets | $396,989,500 | 1,702 |
| Average earning assets | $376,618,000 | 1,656 |
| Average equity | $36,008,000 | 2,034 |
| Average total loans | $310,954,500 | 1,478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 5,120 |
| Cost of funding earning assets | 0.3566% | 3,630 |
| Net interest margin | 3.0589% | 5,006 |
| Noninterest income to average assets | 0.5497% | 3,014 |
| Noninterest expense to average assets | 1.9769% | 5,504 |
| Loan and lease loss provision to assets | 0.2125% | 980 |
| Net operating income to assets | 0.8402% | 3,156 |
| Return on assets (ROA) | 0.8393% | 3,232 |
| Pretax return on assets | 1.2653% | 2,413 |
| Return on Equity (ROE) | 9.1657% | 2,384 |
| Retained earnings to average equity (ytd only) | 7.9910% | 922 |
| Net charge-offs to loans | 0.1400% | 1,949 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 13.9241% | 2,337 |
| Efficiency ratio | 57.1706% | 5,238 |
| Assets per employee ($millions) | 7.9796% | 557 |
| Cash dividends to net income (ytd only)* | 12.8164% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,633 |
| Loan loss allowance to noncurrent loans | 412.5855% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 4,206 |
| Noncurrent loans to loans | 0.2419% | 4,564 |
| Net loans and leases to total assets | 76.5119% | 1,330 |
| Net loans and leases to deposits | 92.6726% | 1,328 |
| Net loans and leases to core deposits | 94.3877% | 2,011 |
| Total domestic deposits to total assets | 82.5615% | 3,993 |
| Equity capital to assets | 9.0522% | 5,076 |
| Core capital (leverage) ratio | 8.9057% | 4,997 |
| Tier 1 risk-based capital ratio | 11.5670% | 5,206 |
| Total risk-based capital ratio | 12.5740% | 5,254 |
| Memoranda: | ||
| Average total assets | $371,850,000 | 1,762 |
| Average earning assets | $353,292,000 | 1,709 |
| Average equity | $34,050,800 | 2,092 |
| Average total loans | $282,234,600 | 1,544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 5,214 |
| Cost of funding earning assets | 0.3688% | 3,560 |
| Net interest margin | 3.0272% | 5,131 |
| Noninterest income to average assets | 0.5532% | 3,033 |
| Noninterest expense to average assets | 1.9756% | 5,527 |
| Loan and lease loss provision to assets | 0.2325% | 777 |
| Net operating income to assets | 0.8155% | 3,356 |
| Return on assets (ROA) | 0.8155% | 3,445 |
| Pretax return on assets | 1.2248% | 2,712 |
| Return on Equity (ROE) | 8.8781% | 2,641 |
| Retained earnings to average equity (ytd only) | 7.2963% | 1,550 |
| Net charge-offs to loans | 0.1606% | 1,540 |
| Credit loss provision to net charge-offs | 191.6168% | 1,382 |
| Earnings coverage of net charge-offs (x) | 12.0120% | 2,441 |
| Efficiency ratio | 57.5071% | 5,179 |
| Assets per employee ($millions) | 7.3632% | 729 |
| Cash dividends to net income (ytd only)* | 17.8174% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 4,755 |
| Loan loss allowance to noncurrent loans | 451.6975% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 4,442 |
| Noncurrent loans to loans | 0.2210% | 4,775 |
| Net loans and leases to total assets | 75.8115% | 1,412 |
| Net loans and leases to deposits | 90.7392% | 1,560 |
| Net loans and leases to core deposits | 92.4351% | 2,221 |
| Total domestic deposits to total assets | 83.5487% | 3,594 |
| Equity capital to assets | 9.0779% | 5,232 |
| Core capital (leverage) ratio | 8.9038% | 5,113 |
| Tier 1 risk-based capital ratio | 11.2480% | 5,522 |
| Total risk-based capital ratio | 12.2233% | 5,573 |
| Memoranda: | ||
| Average total assets | $367,063,000 | 1,797 |
| Average earning assets | $349,185,500 | 1,746 |
| Average equity | $33,715,000 | 2,118 |
| Average total loans | $277,249,250 | 1,584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3775% | 5,274 |
| Cost of funding earning assets | 0.3607% | 3,691 |
| Net interest margin | 3.0168% | 5,181 |
| Noninterest income to average assets | 0.5578% | 2,989 |
| Noninterest expense to average assets | 1.9785% | 5,562 |
| Loan and lease loss provision to assets | 0.1493% | 1,428 |
| Net operating income to assets | 0.8557% | 3,104 |
| Return on assets (ROA) | 0.8557% | 3,208 |
| Pretax return on assets | 1.3013% | 2,358 |
| Return on Equity (ROE) | 9.2785% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.8810% | 1,750 |
| Net charge-offs to loans | 0.0449% | 2,800 |
| Credit loss provision to net charge-offs | 442.6230% | 687 |
| Earnings coverage of net charge-offs (x) | 43.0164% | 1,071 |
| Efficiency ratio | 57.6334% | 5,262 |
| Assets per employee ($millions) | 7.3344% | 725 |
| Cash dividends to net income (ytd only)* | 25.8398% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,881 |
| Loan loss allowance to noncurrent loans | 203.1587% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,405 |
| Noncurrent loans to loans | 0.4910% | 4,001 |
| Net loans and leases to total assets | 75.0950% | 1,492 |
| Net loans and leases to deposits | 90.1640% | 1,578 |
| Net loans and leases to core deposits | 92.0548% | 2,155 |
| Total domestic deposits to total assets | 83.2872% | 3,837 |
| Equity capital to assets | 9.0877% | 5,159 |
| Core capital (leverage) ratio | 8.8694% | 5,130 |
| Tier 1 risk-based capital ratio | 11.4921% | 5,471 |
| Total risk-based capital ratio | 12.4761% | 5,537 |
| Memoranda: | ||
| Average total assets | $361,788,000 | 1,831 |
| Average earning assets | $344,342,000 | 1,776 |
| Average equity | $33,367,330 | 2,149 |
| Average total loans | $271,932,330 | 1,620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3241% | 5,392 |
| Cost of funding earning assets | 0.3297% | 4,097 |
| Net interest margin | 2.9944% | 5,231 |
| Noninterest income to average assets | 0.5387% | 3,031 |
| Noninterest expense to average assets | 1.9637% | 5,640 |
| Loan and lease loss provision to assets | 0.1799% | 1,068 |
| Net operating income to assets | 0.8199% | 3,160 |
| Return on assets (ROA) | 0.8199% | 3,287 |
| Pretax return on assets | 1.2450% | 2,491 |
| Return on Equity (ROE) | 8.8218% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,612 |
| Net charge-offs to loans | 0.0692% | 2,038 |
| Credit loss provision to net charge-offs | 347.8261% | 732 |
| Earnings coverage of net charge-offs (x) | 27.5435% | 1,203 |
| Efficiency ratio | 57.8161% | 5,356 |
| Assets per employee ($millions) | 7.4870% | 675 |
| Cash dividends to net income (ytd only)* | 54.8697% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,012 |
| Loan loss allowance to noncurrent loans | 226.9710% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,577 |
| Noncurrent loans to loans | 0.4414% | 4,269 |
| Net loans and leases to total assets | 73.6697% | 1,552 |
| Net loans and leases to deposits | 86.8671% | 1,731 |
| Net loans and leases to core deposits | 88.6534% | 2,259 |
| Total domestic deposits to total assets | 84.8074% | 3,504 |
| Equity capital to assets | 9.0702% | 5,219 |
| Core capital (leverage) ratio | 9.1620% | 4,775 |
| Tier 1 risk-based capital ratio | 11.6676% | 5,454 |
| Total risk-based capital ratio | 12.6579% | 5,511 |
| Memoranda: | ||
| Average total assets | $355,655,000 | 1,868 |
| Average earning assets | $338,502,500 | 1,817 |
| Average equity | $33,054,500 | 2,177 |
| Average total loans | $266,035,500 | 1,649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 5,452 |
| Cost of funding earning assets | 0.3698% | 4,042 |
| Net interest margin | 3.0680% | 5,280 |
| Noninterest income to average assets | 0.5687% | 3,061 |
| Noninterest expense to average assets | 1.9502% | 5,857 |
| Loan and lease loss provision to assets | 0.0530% | 3,496 |
| Net operating income to assets | 0.9532% | 2,618 |
| Return on assets (ROA) | 0.9522% | 2,698 |
| Pretax return on assets | 1.4734% | 1,642 |
| Return on Equity (ROE) | 9.8386% | 2,182 |
| Retained earnings to average equity (ytd only) | 4.8586% | 2,708 |
| Net charge-offs to loans | 0.0487% | 3,851 |
| Credit loss provision to net charge-offs | 149.1525% | 1,619 |
| Earnings coverage of net charge-offs (x) | 42.9831% | 1,023 |
| Efficiency ratio | 55.9068% | 5,672 |
| Assets per employee ($millions) | 7.8284% | 570 |
| Cash dividends to net income (ytd only)* | 50.6169% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,982 |
| Loan loss allowance to noncurrent loans | 222.3070% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 4,686 |
| Noncurrent loans to loans | 0.4551% | 4,285 |
| Net loans and leases to total assets | 74.4522% | 1,505 |
| Net loans and leases to deposits | 85.5948% | 2,031 |
| Net loans and leases to core deposits | 87.4384% | 2,560 |
| Total domestic deposits to total assets | 86.9821% | 2,300 |
| Equity capital to assets | 9.5324% | 4,684 |
| Core capital (leverage) ratio | 9.3800% | 4,416 |
| Tier 1 risk-based capital ratio | 12.2870% | 5,166 |
| Total risk-based capital ratio | 13.2750% | 5,254 |
| Memoranda: | ||
| Average total assets | $331,963,600 | 1,954 |
| Average earning assets | $314,794,800 | 1,905 |
| Average equity | $32,128,400 | 2,156 |
| Average total loans | $242,259,600 | 1,743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 5,595 |
| Cost of funding earning assets | 0.3743% | 4,081 |
| Net interest margin | 3.0240% | 5,453 |
| Noninterest income to average assets | 0.5697% | 3,070 |
| Noninterest expense to average assets | 1.9385% | 5,886 |
| Loan and lease loss provision to assets | 0.0851% | 2,655 |
| Net operating income to assets | 0.9168% | 2,832 |
| Return on assets (ROA) | 0.9155% | 2,941 |
| Pretax return on assets | 1.4102% | 1,968 |
| Return on Equity (ROE) | 9.4222% | 2,489 |
| Retained earnings to average equity (ytd only) | 4.4148% | 3,509 |
| Net charge-offs to loans | 0.0470% | 3,556 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 43.9632% | 1,063 |
| Efficiency ratio | 56.2426% | 5,639 |
| Assets per employee ($millions) | 7.6663% | 591 |
| Cash dividends to net income (ytd only)* | 53.1444% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 4,946 |
| Loan loss allowance to noncurrent loans | 185.8328% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 4,628 |
| Noncurrent loans to loans | 0.5703% | 4,209 |
| Net loans and leases to total assets | 74.4155% | 1,455 |
| Net loans and leases to deposits | 86.1349% | 1,891 |
| Net loans and leases to core deposits | 88.0400% | 2,428 |
| Total domestic deposits to total assets | 86.3941% | 2,644 |
| Equity capital to assets | 9.6328% | 4,631 |
| Core capital (leverage) ratio | 9.5828% | 4,271 |
| Tier 1 risk-based capital ratio | 12.2714% | 5,319 |
| Total risk-based capital ratio | 13.3011% | 5,369 |
| Memoranda: | ||
| Average total assets | $328,842,500 | 1,983 |
| Average earning assets | $311,676,250 | 1,936 |
| Average equity | $31,952,000 | 2,177 |
| Average total loans | $238,057,000 | 1,778 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,684 |
| Cost of funding earning assets | 0.3780% | 4,126 |
| Net interest margin | 2.9904% | 5,553 |
| Noninterest income to average assets | 0.5748% | 2,961 |
| Noninterest expense to average assets | 1.9459% | 5,919 |
| Loan and lease loss provision to assets | 0.0448% | 3,425 |
| Net operating income to assets | 0.9203% | 2,701 |
| Return on assets (ROA) | 0.9184% | 2,816 |
| Pretax return on assets | 1.4153% | 1,842 |
| Return on Equity (ROE) | 9.4235% | 2,409 |
| Retained earnings to average equity (ytd only) | 4.3876% | 3,385 |
| Net charge-offs to loans | 0.0507% | 3,250 |
| Credit loss provision to net charge-offs | 123.7288% | 1,681 |
| Earnings coverage of net charge-offs (x) | 40.4237% | 1,053 |
| Efficiency ratio | 56.8832% | 5,667 |
| Assets per employee ($millions) | 7.6945% | 568 |
| Cash dividends to net income (ytd only)* | 53.4402% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,089 |
| Loan loss allowance to noncurrent loans | 201.9592% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,861 |
| Noncurrent loans to loans | 0.5227% | 4,440 |
| Net loans and leases to total assets | 73.0044% | 1,572 |
| Net loans and leases to deposits | 84.5788% | 1,972 |
| Net loans and leases to core deposits | 86.5846% | 2,461 |
| Total domestic deposits to total assets | 86.3153% | 2,867 |
| Equity capital to assets | 9.7375% | 4,445 |
| Core capital (leverage) ratio | 9.6103% | 4,160 |
| Tier 1 risk-based capital ratio | 12.6311% | 5,137 |
| Total risk-based capital ratio | 13.6600% | 5,212 |
| Memoranda: | ||
| Average total assets | $326,017,670 | 2,001 |
| Average earning assets | $308,991,330 | 1,948 |
| Average equity | $31,771,670 | 2,170 |
| Average total loans | $232,841,000 | 1,804 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 5,820 |
| Cost of funding earning assets | 0.3796% | 4,203 |
| Net interest margin | 2.9299% | 5,690 |
| Noninterest income to average assets | 0.5266% | 3,222 |
| Noninterest expense to average assets | 1.9308% | 6,007 |
| Loan and lease loss provision to assets | 0.1829% | 1,309 |
| Net operating income to assets | 0.7750% | 3,280 |
| Return on assets (ROA) | 0.7750% | 3,362 |
| Pretax return on assets | 1.1891% | 2,532 |
| Return on Equity (ROE) | 7.9497% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.8781% | 4,370 |
| Net charge-offs to loans | 0.0845% | 2,303 |
| Credit loss provision to net charge-offs | 308.3333% | 781 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,222 |
| Efficiency ratio | 58.1587% | 5,628 |
| Assets per employee ($millions) | 7.8086% | 531 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 4,941 |
| Loan loss allowance to noncurrent loans | 150.6222% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 4,530 |
| Noncurrent loans to loans | 0.7551% | 3,977 |
| Net loans and leases to total assets | 70.5769% | 1,789 |
| Net loans and leases to deposits | 81.6100% | 2,086 |
| Net loans and leases to core deposits | 83.6413% | 2,555 |
| Total domestic deposits to total assets | 86.4807% | 3,121 |
| Equity capital to assets | 9.6579% | 4,284 |
| Core capital (leverage) ratio | 9.6464% | 4,067 |
| Tier 1 risk-based capital ratio | 13.0786% | 4,958 |
| Total risk-based capital ratio | 14.1980% | 4,972 |
| Memoranda: | ||
| Average total assets | $323,594,000 | 2,022 |
| Average earning assets | $306,634,000 | 1,971 |
| Average equity | $31,548,500 | 2,179 |
| Average total loans | $227,200,000 | 1,847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,934 |
| Cost of funding earning assets | 0.4294% | 4,322 |
| Net interest margin | 2.9080% | 5,774 |
| Noninterest income to average assets | 0.6159% | 2,994 |
| Noninterest expense to average assets | 1.8960% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9494% | 2,568 |
| Return on assets (ROA) | 0.9494% | 2,643 |
| Pretax return on assets | 1.4857% | 1,493 |
| Return on Equity (ROE) | 9.7937% | 2,196 |
| Retained earnings to average equity (ytd only) | 4.3928% | 3,049 |
| Net charge-offs to loans | 0.0242% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 91.8039% | 494 |
| Efficiency ratio | 55.7474% | 5,976 |
| Assets per employee ($millions) | 7.6007% | 576 |
| Cash dividends to net income (ytd only)* | 55.1471% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,843 |
| Loan loss allowance to noncurrent loans | 146.9610% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 4,589 |
| Noncurrent loans to loans | 0.7917% | 4,001 |
| Net loans and leases to total assets | 68.1989% | 2,321 |
| Net loans and leases to deposits | 79.3190% | 2,550 |
| Net loans and leases to core deposits | 81.6075% | 2,943 |
| Total domestic deposits to total assets | 85.9806% | 3,270 |
| Equity capital to assets | 9.8434% | 3,969 |
| Core capital (leverage) ratio | 9.7377% | 3,930 |
| Tier 1 risk-based capital ratio | 13.6540% | 4,550 |
| Total risk-based capital ratio | 14.7890% | 4,572 |
| Memoranda: | ||
| Average total assets | $315,134,600 | 2,040 |
| Average earning assets | $299,720,200 | 1,982 |
| Average equity | $30,550,200 | 2,224 |
| Average total loans | $210,349,600 | 1,924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 5,976 |
| Cost of funding earning assets | 0.4394% | 4,388 |
| Net interest margin | 2.9083% | 5,796 |
| Noninterest income to average assets | 0.6329% | 2,973 |
| Noninterest expense to average assets | 1.9445% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9300% | 2,688 |
| Return on assets (ROA) | 0.9300% | 2,795 |
| Pretax return on assets | 1.4555% | 1,745 |
| Return on Equity (ROE) | 9.6310% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.1364% | 3,739 |
| Net charge-offs to loans | 0.0090% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 244.8790% | 243 |
| Efficiency ratio | 56.8664% | 5,814 |
| Assets per employee ($millions) | 7.5026% | 583 |
| Cash dividends to net income (ytd only)* | 57.0518% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,793 |
| Loan loss allowance to noncurrent loans | 139.4102% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 4,668 |
| Noncurrent loans to loans | 0.8736% | 4,071 |
| Net loans and leases to total assets | 66.9280% | 2,474 |
| Net loans and leases to deposits | 77.3575% | 2,766 |
| Net loans and leases to core deposits | 79.8316% | 3,148 |
| Total domestic deposits to total assets | 86.5177% | 2,959 |
| Equity capital to assets | 9.7462% | 4,247 |
| Core capital (leverage) ratio | 9.6269% | 4,209 |
| Tier 1 risk-based capital ratio | 13.6213% | 4,675 |
| Total risk-based capital ratio | 14.7869% | 4,688 |
| Memoranda: | ||
| Average total assets | $314,111,250 | 2,059 |
| Average earning assets | $298,864,750 | 1,992 |
| Average equity | $30,332,000 | 2,253 |
| Average total loans | $207,868,750 | 1,949 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 5,951 |
| Cost of funding earning assets | 0.4540% | 4,387 |
| Net interest margin | 2.9244% | 5,740 |
| Noninterest income to average assets | 0.6629% | 2,840 |
| Noninterest expense to average assets | 1.9619% | 6,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9453% | 2,591 |
| Return on assets (ROA) | 0.9453% | 2,736 |
| Pretax return on assets | 1.4845% | 1,667 |
| Return on Equity (ROE) | 9.8193% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.1913% | 3,627 |
| Net charge-offs to loans | 0.0233% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 97.0417% | 480 |
| Efficiency ratio | 56.5748% | 5,893 |
| Assets per employee ($millions) | 7.5509% | 548 |
| Cash dividends to net income (ytd only)* | 57.3163% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 4,615 |
| Loan loss allowance to noncurrent loans | 138.9485% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 4,780 |
| Noncurrent loans to loans | 0.9190% | 4,089 |
| Net loans and leases to total assets | 63.1390% | 3,078 |
| Net loans and leases to deposits | 73.0267% | 3,299 |
| Net loans and leases to core deposits | 75.6765% | 3,580 |
| Total domestic deposits to total assets | 86.4601% | 3,131 |
| Equity capital to assets | 9.5259% | 4,552 |
| Core capital (leverage) ratio | 9.5997% | 4,080 |
| Tier 1 risk-based capital ratio | 14.3745% | 4,176 |
| Total risk-based capital ratio | 15.6144% | 4,140 |
| Memoranda: | ||
| Average total assets | $313,778,670 | 2,069 |
| Average earning assets | $298,662,330 | 1,993 |
| Average equity | $30,205,670 | 2,262 |
| Average total loans | $205,993,000 | 1,966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 5,789 |
| Cost of funding earning assets | 0.4648% | 4,430 |
| Net interest margin | 3.0023% | 5,564 |
| Noninterest income to average assets | 0.6882% | 2,660 |
| Noninterest expense to average assets | 1.9763% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9907% | 2,265 |
| Return on assets (ROA) | 0.9907% | 2,386 |
| Pretax return on assets | 1.5764% | 1,359 |
| Return on Equity (ROE) | 10.2372% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.2776% | 3,662 |
| Net charge-offs to loans | 0.0116% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 195 |
| Efficiency ratio | 55.2309% | 6,134 |
| Assets per employee ($millions) | 7.9094% | 508 |
| Cash dividends to net income (ytd only)* | 58.2147% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,847 |
| Loan loss allowance to noncurrent loans | 190.9224% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 5,309 |
| Noncurrent loans to loans | 0.6654% | 4,792 |
| Net loans and leases to total assets | 64.0641% | 2,697 |
| Net loans and leases to deposits | 74.1929% | 2,892 |
| Net loans and leases to core deposits | 77.0591% | 3,196 |
| Total domestic deposits to total assets | 86.3479% | 3,332 |
| Equity capital to assets | 9.6056% | 4,702 |
| Core capital (leverage) ratio | 9.5953% | 3,938 |
| Tier 1 risk-based capital ratio | 13.9440% | 4,547 |
| Total risk-based capital ratio | 15.1698% | 4,522 |
| Memoranda: | ||
| Average total assets | $312,099,500 | 2,103 |
| Average earning assets | $297,771,500 | 2,021 |
| Average equity | $30,203,500 | 2,279 |
| Average total loans | $207,576,000 | 1,962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 5,679 |
| Cost of funding earning assets | 0.6095% | 4,254 |
| Net interest margin | 3.2566% | 5,409 |
| Noninterest income to average assets | 0.6986% | 2,732 |
| Noninterest expense to average assets | 1.9702% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1328% | 1,829 |
| Return on assets (ROA) | 1.1328% | 1,999 |
| Pretax return on assets | 1.8135% | 894 |
| Return on Equity (ROE) | 11.7635% | 1,573 |
| Retained earnings to average equity (ytd only) | 5.9518% | 2,102 |
| Net charge-offs to loans | 0.0602% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 44.0720% | 737 |
| Efficiency ratio | 51.6443% | 6,488 |
| Assets per employee ($millions) | 7.8929% | 529 |
| Cash dividends to net income (ytd only)* | 49.4042% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,900 |
| Loan loss allowance to noncurrent loans | 193.3432% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 5,389 |
| Noncurrent loans to loans | 0.6442% | 4,905 |
| Net loans and leases to total assets | 67.3266% | 2,313 |
| Net loans and leases to deposits | 78.0188% | 2,527 |
| Net loans and leases to core deposits | 81.4768% | 2,828 |
| Total domestic deposits to total assets | 86.2953% | 3,205 |
| Equity capital to assets | 9.7514% | 4,530 |
| Core capital (leverage) ratio | 9.4390% | 4,201 |
| Tier 1 risk-based capital ratio | 13.8211% | 4,520 |
| Total risk-based capital ratio | 15.0543% | 4,482 |
| Memoranda: | ||
| Average total assets | $303,771,200 | 2,115 |
| Average earning assets | $287,784,800 | 2,059 |
| Average equity | $29,251,600 | 2,298 |
| Average total loans | $207,500,000 | 1,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 5,785 |
| Cost of funding earning assets | 0.6428% | 4,255 |
| Net interest margin | 3.2586% | 5,519 |
| Noninterest income to average assets | 0.6694% | 2,879 |
| Noninterest expense to average assets | 1.9500% | 6,446 |
| Loan and lease loss provision to assets | -0.0330% | 6,977 |
| Net operating income to assets | 1.1437% | 1,934 |
| Return on assets (ROA) | 1.1437% | 2,127 |
| Pretax return on assets | 1.8333% | 978 |
| Return on Equity (ROE) | 11.9152% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.1801% | 2,579 |
| Net charge-offs to loans | 0.0515% | 4,934 |
| Credit loss provision to net charge-offs | -93.7500% | 6,236 |
| Earnings coverage of net charge-offs (x) | 51.1019% | 741 |
| Efficiency ratio | 51.5500% | 6,491 |
| Assets per employee ($millions) | 7.5676% | 576 |
| Cash dividends to net income (ytd only)* | 48.1326% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,160 |
| Loan loss allowance to noncurrent loans | 223.1434% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 5,770 |
| Noncurrent loans to loans | 0.5500% | 5,344 |
| Net loans and leases to total assets | 67.0242% | 2,450 |
| Net loans and leases to deposits | 77.4353% | 2,740 |
| Net loans and leases to core deposits | 80.7620% | 3,112 |
| Total domestic deposits to total assets | 86.5551% | 2,944 |
| Equity capital to assets | 9.6080% | 5,048 |
| Core capital (leverage) ratio | 9.5497% | 4,196 |
| Tier 1 risk-based capital ratio | 13.8173% | 4,681 |
| Total risk-based capital ratio | 15.0546% | 4,642 |
| Memoranda: | ||
| Average total assets | $302,758,500 | 2,138 |
| Average earning assets | $286,248,000 | 2,091 |
| Average equity | $29,060,250 | 2,330 |
| Average total loans | $206,910,000 | 1,969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 5,761 |
| Cost of funding earning assets | 0.6827% | 4,160 |
| Net interest margin | 3.2769% | 5,511 |
| Noninterest income to average assets | 0.6375% | 3,019 |
| Noninterest expense to average assets | 1.9370% | 6,536 |
| Loan and lease loss provision to assets | -0.0500% | 7,074 |
| Net operating income to assets | 1.1530% | 1,871 |
| Return on assets (ROA) | 1.1530% | 2,082 |
| Pretax return on assets | 1.8484% | 943 |
| Return on Equity (ROE) | 12.0167% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,642 |
| Net charge-offs to loans | 0.0428% | 4,776 |
| Credit loss provision to net charge-offs | -170.4545% | 6,120 |
| Earnings coverage of net charge-offs (x) | 61.3636% | 620 |
| Efficiency ratio | 51.3909% | 6,549 |
| Assets per employee ($millions) | 7.3219% | 630 |
| Cash dividends to net income (ytd only)* | 49.1046% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,101 |
| Loan loss allowance to noncurrent loans | 166.4549% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 5,453 |
| Noncurrent loans to loans | 0.7545% | 5,000 |
| Net loans and leases to total assets | 68.6223% | 2,185 |
| Net loans and leases to deposits | 79.7635% | 2,414 |
| Net loans and leases to core deposits | 83.3294% | 2,780 |
| Total domestic deposits to total assets | 86.0322% | 3,344 |
| Equity capital to assets | 9.7613% | 4,682 |
| Core capital (leverage) ratio | 9.4803% | 4,165 |
| Tier 1 risk-based capital ratio | 14.0752% | 4,386 |
| Total risk-based capital ratio | 15.3257% | 4,353 |
| Memoranda: | ||
| Average total assets | $300,253,670 | 2,155 |
| Average earning assets | $283,869,000 | 2,102 |
| Average equity | $28,810,000 | 2,339 |
| Average total loans | $205,699,330 | 1,977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 5,873 |
| Cost of funding earning assets | 0.7351% | 3,986 |
| Net interest margin | 3.2309% | 5,697 |
| Noninterest income to average assets | 0.6354% | 3,024 |
| Noninterest expense to average assets | 1.9462% | 6,558 |
| Loan and lease loss provision to assets | 0.0200% | 5,090 |
| Net operating income to assets | 1.0697% | 2,206 |
| Return on assets (ROA) | 1.0697% | 2,396 |
| Pretax return on assets | 1.7197% | 1,256 |
| Return on Equity (ROE) | 11.2451% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.9434% | 3,588 |
| Net charge-offs to loans | 0.0294% | 4,275 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 87.0667% | 391 |
| Efficiency ratio | 52.2588% | 6,515 |
| Assets per employee ($millions) | 7.6230% | 569 |
| Cash dividends to net income (ytd only)* | 56.0399% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,822 |
| Loan loss allowance to noncurrent loans | 125.2973% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,115 |
| Noncurrent loans to loans | 1.0735% | 4,552 |
| Net loans and leases to total assets | 65.8821% | 2,491 |
| Net loans and leases to deposits | 76.1559% | 2,774 |
| Net loans and leases to core deposits | 78.9383% | 3,194 |
| Total domestic deposits to total assets | 86.5095% | 3,239 |
| Equity capital to assets | 9.4238% | 4,914 |
| Core capital (leverage) ratio | 9.3790% | 4,224 |
| Tier 1 risk-based capital ratio | 13.7921% | 4,622 |
| Total risk-based capital ratio | 15.0432% | 4,600 |
| Memoranda: | ||
| Average total assets | $300,282,000 | 2,165 |
| Average earning assets | $283,516,500 | 2,108 |
| Average equity | $28,563,500 | 2,357 |
| Average total loans | $204,238,000 | 1,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 6,135 |
| Cost of funding earning assets | 0.9290% | 3,887 |
| Net interest margin | 3.2428% | 5,977 |
| Noninterest income to average assets | 0.4980% | 3,857 |
| Noninterest expense to average assets | 1.7434% | 7,020 |
| Loan and lease loss provision to assets | 0.0422% | 6,045 |
| Net operating income to assets | 1.1128% | 1,784 |
| Return on assets (ROA) | 1.1126% | 1,904 |
| Pretax return on assets | 1.7866% | 825 |
| Return on Equity (ROE) | 11.8404% | 1,452 |
| Retained earnings to average equity (ytd only) | 3.9300% | 3,408 |
| Net charge-offs to loans | 0.0260% | 6,073 |
| Credit loss provision to net charge-offs | 240.3846% | 1,006 |
| Earnings coverage of net charge-offs (x) | 104.1154% | 298 |
| Efficiency ratio | 48.1937% | 6,940 |
| Assets per employee ($millions) | 7.5806% | 554 |
| Cash dividends to net income (ytd only)* | 66.8084% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,724 |
| Loan loss allowance to noncurrent loans | 127.8711% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 5,192 |
| Noncurrent loans to loans | 1.0456% | 4,619 |
| Net loans and leases to total assets | 68.3627% | 2,323 |
| Net loans and leases to deposits | 79.1286% | 2,662 |
| Net loans and leases to core deposits | 81.8605% | 3,201 |
| Total domestic deposits to total assets | 86.3945% | 3,080 |
| Equity capital to assets | 9.6034% | 4,741 |
| Core capital (leverage) ratio | 9.3134% | 4,306 |
| Tier 1 risk-based capital ratio | 13.7665% | 4,504 |
| Total risk-based capital ratio | 15.0181% | 4,468 |
| Memoranda: | ||
| Average total assets | $295,976,800 | 2,161 |
| Average earning assets | $280,620,600 | 2,093 |
| Average equity | $27,811,600 | 2,342 |
| Average total loans | $199,870,200 | 2,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 6,194 |
| Cost of funding earning assets | 0.9700% | 3,891 |
| Net interest margin | 3.2349% | 6,061 |
| Noninterest income to average assets | 0.4467% | 4,317 |
| Noninterest expense to average assets | 1.7379% | 7,060 |
| Loan and lease loss provision to assets | 0.0450% | 5,878 |
| Net operating income to assets | 1.0789% | 2,049 |
| Return on assets (ROA) | 1.0786% | 2,192 |
| Pretax return on assets | 1.7302% | 1,079 |
| Return on Equity (ROE) | 11.5419% | 1,672 |
| Retained earnings to average equity (ytd only) | 3.1084% | 4,472 |
| Net charge-offs to loans | 0.0289% | 5,745 |
| Credit loss provision to net charge-offs | 232.5581% | 1,221 |
| Earnings coverage of net charge-offs (x) | 91.7007% | 389 |
| Efficiency ratio | 48.8336% | 6,897 |
| Assets per employee ($millions) | 7.2431% | 653 |
| Cash dividends to net income (ytd only)* | 73.0691% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,879 |
| Loan loss allowance to noncurrent loans | 142.1932% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 5,452 |
| Noncurrent loans to loans | 0.9345% | 5,010 |
| Net loans and leases to total assets | 68.0878% | 2,477 |
| Net loans and leases to deposits | 79.0630% | 2,803 |
| Net loans and leases to core deposits | 81.5871% | 3,391 |
| Total domestic deposits to total assets | 86.1184% | 3,157 |
| Equity capital to assets | 9.5148% | 5,061 |
| Core capital (leverage) ratio | 9.2479% | 4,549 |
| Tier 1 risk-based capital ratio | 13.6786% | 4,591 |
| Total risk-based capital ratio | 14.9303% | 4,561 |
| Memoranda: | ||
| Average total assets | $296,059,750 | 2,164 |
| Average earning assets | $280,678,750 | 2,096 |
| Average equity | $27,666,500 | 2,351 |
| Average total loans | $198,625,250 | 2,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 6,229 |
| Cost of funding earning assets | 1.0230% | 3,797 |
| Net interest margin | 3.2036% | 6,152 |
| Noninterest income to average assets | 0.4186% | 4,526 |
| Noninterest expense to average assets | 1.7339% | 7,149 |
| Loan and lease loss provision to assets | 0.0473% | 5,717 |
| Net operating income to assets | 1.0466% | 2,051 |
| Return on assets (ROA) | 1.0461% | 2,150 |
| Pretax return on assets | 1.6798% | 1,096 |
| Return on Equity (ROE) | 11.2632% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,720 |
| Net charge-offs to loans | 0.0387% | 5,310 |
| Credit loss provision to net charge-offs | 184.2105% | 1,639 |
| Earnings coverage of net charge-offs (x) | 67.2368% | 491 |
| Efficiency ratio | 49.4237% | 6,975 |
| Assets per employee ($millions) | 6.9006% | 769 |
| Cash dividends to net income (ytd only)* | 51.7130% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,796 |
| Loan loss allowance to noncurrent loans | 106.5561% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 5,129 |
| Noncurrent loans to loans | 1.2733% | 4,540 |
| Net loans and leases to total assets | 67.6776% | 2,677 |
| Net loans and leases to deposits | 80.1216% | 2,768 |
| Net loans and leases to core deposits | 82.7178% | 3,399 |
| Total domestic deposits to total assets | 84.4687% | 4,136 |
| Equity capital to assets | 9.7192% | 4,510 |
| Core capital (leverage) ratio | 9.1994% | 4,401 |
| Tier 1 risk-based capital ratio | 14.1230% | 4,082 |
| Total risk-based capital ratio | 15.3751% | 4,050 |
| Memoranda: | ||
| Average total assets | $295,757,000 | 2,174 |
| Average earning assets | $280,930,670 | 2,093 |
| Average equity | $27,470,000 | 2,351 |
| Average total loans | $196,526,330 | 2,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 6,258 |
| Cost of funding earning assets | 1.0841% | 3,632 |
| Net interest margin | 3.1284% | 6,273 |
| Noninterest income to average assets | 0.3736% | 4,920 |
| Noninterest expense to average assets | 1.7608% | 7,175 |
| Loan and lease loss provision to assets | 0.0402% | 5,492 |
| Net operating income to assets | 0.9561% | 2,331 |
| Return on assets (ROA) | 0.9561% | 2,394 |
| Pretax return on assets | 1.5439% | 1,314 |
| Return on Equity (ROE) | 10.5308% | 1,903 |
| Retained earnings to average equity (ytd only) | 3.8937% | 3,836 |
| Net charge-offs to loans | 0.0369% | 4,592 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 65.7222% | 459 |
| Efficiency ratio | 51.8815% | 6,865 |
| Assets per employee ($millions) | 7.1995% | 666 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,813 |
| Loan loss allowance to noncurrent loans | 118.7057% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 5,438 |
| Noncurrent loans to loans | 1.1533% | 4,770 |
| Net loans and leases to total assets | 63.8059% | 3,470 |
| Net loans and leases to deposits | 78.4163% | 2,992 |
| Net loans and leases to core deposits | 80.8584% | 3,623 |
| Total domestic deposits to total assets | 81.3682% | 5,543 |
| Equity capital to assets | 9.0373% | 5,143 |
| Core capital (leverage) ratio | 8.9235% | 4,731 |
| Tier 1 risk-based capital ratio | 14.0627% | 4,032 |
| Total risk-based capital ratio | 15.3149% | 4,007 |
| Memoranda: | ||
| Average total assets | $298,722,000 | 2,169 |
| Average earning assets | $283,726,500 | 2,091 |
| Average equity | $27,120,500 | 2,364 |
| Average total loans | $195,366,500 | 2,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 5,065 |
| Cost of funding earning assets | 1.2619% | 4,131 |
| Net interest margin | 3.6317% | 4,661 |
| Noninterest income to average assets | 0.5041% | 4,135 |
| Noninterest expense to average assets | 1.8432% | 7,224 |
| Loan and lease loss provision to assets | 0.0673% | 6,474 |
| Net operating income to assets | 1.2558% | 1,278 |
| Return on assets (ROA) | 1.2558% | 1,350 |
| Pretax return on assets | 2.0324% | 451 |
| Return on Equity (ROE) | 13.6446% | 954 |
| Retained earnings to average equity (ytd only) | 8.4485% | 857 |
| Net charge-offs to loans | 0.0512% | 6,279 |
| Credit loss provision to net charge-offs | 179.2453% | 1,846 |
| Earnings coverage of net charge-offs (x) | 55.9151% | 422 |
| Efficiency ratio | 46.0377% | 7,347 |
| Assets per employee ($millions) | 7.0253% | 732 |
| Cash dividends to net income (ytd only)* | 38.0818% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 4,669 |
| Loan loss allowance to noncurrent loans | 618.5615% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,866 |
| Noncurrent loans to loans | 0.2209% | 6,624 |
| Net loans and leases to total assets | 65.2240% | 3,618 |
| Net loans and leases to deposits | 80.2900% | 3,119 |
| Net loans and leases to core deposits | 82.5864% | 3,810 |
| Total domestic deposits to total assets | 81.2355% | 5,441 |
| Equity capital to assets | 9.1214% | 4,962 |
| Core capital (leverage) ratio | 8.9248% | 4,653 |
| Tier 1 risk-based capital ratio | 14.2514% | 3,717 |
| Total risk-based capital ratio | 15.5040% | 3,663 |
| Memoranda: | ||
| Average total assets | $282,284,000 | 2,273 |
| Average earning assets | $267,288,800 | 2,201 |
| Average equity | $25,981,000 | 2,458 |
| Average total loans | $207,041,600 | 2,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 4,696 |
| Cost of funding earning assets | 1.2905% | 4,286 |
| Net interest margin | 3.7341% | 4,251 |
| Noninterest income to average assets | 0.4839% | 4,306 |
| Noninterest expense to average assets | 1.9105% | 7,194 |
| Loan and lease loss provision to assets | 0.0860% | 6,182 |
| Net operating income to assets | 1.2526% | 1,462 |
| Return on assets (ROA) | 1.2526% | 1,540 |
| Pretax return on assets | 2.0165% | 603 |
| Return on Equity (ROE) | 13.5775% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.9171% | 1,079 |
| Net charge-offs to loans | 0.0597% | 5,913 |
| Credit loss provision to net charge-offs | 191.4894% | 1,873 |
| Earnings coverage of net charge-offs (x) | 46.8192% | 599 |
| Efficiency ratio | 46.8929% | 7,344 |
| Assets per employee ($millions) | 6.8892% | 803 |
| Cash dividends to net income (ytd only)* | 34.3250% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 5,140 |
| Loan loss allowance to noncurrent loans | 646.0048% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 6,996 |
| Noncurrent loans to loans | 0.1959% | 6,789 |
| Net loans and leases to total assets | 71.9478% | 2,259 |
| Net loans and leases to deposits | 89.3779% | 1,807 |
| Net loans and leases to core deposits | 91.9084% | 2,816 |
| Total domestic deposits to total assets | 80.4984% | 5,545 |
| Equity capital to assets | 9.2647% | 5,197 |
| Core capital (leverage) ratio | 9.2447% | 4,289 |
| Tier 1 risk-based capital ratio | 13.2678% | 4,376 |
| Total risk-based capital ratio | 14.5194% | 4,342 |
| Memoranda: | ||
| Average total assets | $279,089,250 | 2,320 |
| Average earning assets | $263,761,000 | 2,260 |
| Average equity | $25,747,750 | 2,519 |
| Average total loans | $210,022,500 | 2,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 4,317 |
| Cost of funding earning assets | 1.3300% | 4,336 |
| Net interest margin | 3.7960% | 3,911 |
| Noninterest income to average assets | 0.3867% | 5,019 |
| Noninterest expense to average assets | 1.8638% | 7,310 |
| Loan and lease loss provision to assets | 0.0979% | 5,931 |
| Net operating income to assets | 1.2486% | 1,429 |
| Return on assets (ROA) | 1.2486% | 1,492 |
| Pretax return on assets | 2.0155% | 584 |
| Return on Equity (ROE) | 13.5540% | 1,129 |
| Retained earnings to average equity (ytd only) | 8.8286% | 1,165 |
| Net charge-offs to loans | 0.0715% | 5,427 |
| Credit loss provision to net charge-offs | 180.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 38.8400% | 748 |
| Efficiency ratio | 46.1146% | 7,434 |
| Assets per employee ($millions) | 6.5575% | 930 |
| Cash dividends to net income (ytd only)* | 34.8635% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,290 |
| Loan loss allowance to noncurrent loans | 511.0251% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,924 |
| Noncurrent loans to loans | 0.2407% | 6,753 |
| Net loans and leases to total assets | 77.0355% | 1,287 |
| Net loans and leases to deposits | 94.8339% | 1,168 |
| Net loans and leases to core deposits | 97.7832% | 2,254 |
| Total domestic deposits to total assets | 81.2320% | 5,320 |
| Equity capital to assets | 9.5172% | 4,679 |
| Core capital (leverage) ratio | 9.2336% | 4,242 |
| Tier 1 risk-based capital ratio | 12.9817% | 4,464 |
| Total risk-based capital ratio | 14.2333% | 4,419 |
| Memoranda: | ||
| Average total assets | $275,670,330 | 2,364 |
| Average earning assets | $260,747,670 | 2,298 |
| Average equity | $25,394,670 | 2,552 |
| Average total loans | $209,748,000 | 2,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 4,352 |
| Cost of funding earning assets | 1.3721% | 4,342 |
| Net interest margin | 3.7667% | 3,931 |
| Noninterest income to average assets | 0.3727% | 5,160 |
| Noninterest expense to average assets | 1.7810% | 7,489 |
| Loan and lease loss provision to assets | 0.1088% | 5,535 |
| Net operating income to assets | 1.2603% | 1,383 |
| Return on assets (ROA) | 1.2603% | 1,455 |
| Pretax return on assets | 2.0464% | 558 |
| Return on Equity (ROE) | 13.9118% | 1,065 |
| Retained earnings to average equity (ytd only) | 9.1091% | 1,370 |
| Net charge-offs to loans | 0.0772% | 4,649 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 37.1500% | 733 |
| Efficiency ratio | 44.3994% | 7,609 |
| Assets per employee ($millions) | 6.6329% | 935 |
| Cash dividends to net income (ytd only)* | 34.5224% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 5,198 |
| Loan loss allowance to noncurrent loans | 424.1491% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 6,894 |
| Noncurrent loans to loans | 0.2952% | 6,729 |
| Net loans and leases to total assets | 75.8851% | 1,569 |
| Net loans and leases to deposits | 93.3750% | 1,425 |
| Net loans and leases to core deposits | 96.5948% | 2,510 |
| Total domestic deposits to total assets | 81.2692% | 5,359 |
| Equity capital to assets | 9.3220% | 4,799 |
| Core capital (leverage) ratio | 8.8561% | 4,787 |
| Tier 1 risk-based capital ratio | 13.0221% | 4,318 |
| Total risk-based capital ratio | 14.2739% | 4,290 |
| Memoranda: | ||
| Average total assets | $275,797,500 | 2,421 |
| Average earning assets | $260,921,000 | 2,345 |
| Average equity | $24,986,000 | 2,609 |
| Average total loans | $207,217,000 | 2,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4862% | 4,220 |
| Cost of funding earning assets | 1.6971% | 4,529 |
| Net interest margin | 3.7891% | 3,754 |
| Noninterest income to average assets | 0.4191% | 5,053 |
| Noninterest expense to average assets | 1.9790% | 7,397 |
| Loan and lease loss provision to assets | 0.1385% | 6,255 |
| Net operating income to assets | 1.1554% | 1,372 |
| Return on assets (ROA) | 1.1554% | 1,399 |
| Pretax return on assets | 1.8929% | 520 |
| Return on Equity (ROE) | 12.7654% | 1,009 |
| Retained earnings to average equity (ytd only) | 7.6914% | 775 |
| Net charge-offs to loans | 0.0954% | 6,180 |
| Credit loss provision to net charge-offs | 185.6410% | 2,195 |
| Earnings coverage of net charge-offs (x) | 27.2205% | 830 |
| Efficiency ratio | 48.4493% | 7,613 |
| Assets per employee ($millions) | 6.8207% | 856 |
| Cash dividends to net income (ytd only)* | 39.7483% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,005 |
| Loan loss allowance to noncurrent loans | 647.1178% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 7,119 |
| Noncurrent loans to loans | 0.1942% | 6,934 |
| Net loans and leases to total assets | 72.5440% | 2,623 |
| Net loans and leases to deposits | 90.4191% | 2,156 |
| Net loans and leases to core deposits | 105.2357% | 3,429 |
| Total domestic deposits to total assets | 80.2308% | 5,608 |
| Equity capital to assets | 8.8043% | 5,431 |
| Core capital (leverage) ratio | 8.6275% | 5,055 |
| Tier 1 risk-based capital ratio | 12.6680% | 4,387 |
| Total risk-based capital ratio | 13.9194% | 4,325 |
| Memoranda: | ||
| Average total assets | $261,293,200 | 2,501 |
| Average earning assets | $247,655,600 | 2,427 |
| Average equity | $23,649,800 | 2,775 |
| Average total loans | $204,328,200 | 2,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 4,127 |
| Cost of funding earning assets | 1.7650% | 4,555 |
| Net interest margin | 3.7895% | 3,702 |
| Noninterest income to average assets | 0.4363% | 4,989 |
| Noninterest expense to average assets | 2.0355% | 7,320 |
| Loan and lease loss provision to assets | 0.1595% | 5,752 |
| Net operating income to assets | 1.1208% | 1,671 |
| Return on assets (ROA) | 1.1208% | 1,737 |
| Pretax return on assets | 1.8355% | 750 |
| Return on Equity (ROE) | 12.2923% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.1658% | 1,441 |
| Net charge-offs to loans | 0.1045% | 5,628 |
| Credit loss provision to net charge-offs | 191.8750% | 2,362 |
| Earnings coverage of net charge-offs (x) | 24.0060% | 1,097 |
| Efficiency ratio | 49.5876% | 7,581 |
| Assets per employee ($millions) | 6.5313% | 970 |
| Cash dividends to net income (ytd only)* | 41.7053% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,922 |
| Loan loss allowance to noncurrent loans | 656.9231% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,192 |
| Noncurrent loans to loans | 0.1882% | 7,027 |
| Net loans and leases to total assets | 74.5943% | 2,343 |
| Net loans and leases to deposits | 91.9613% | 2,238 |
| Net loans and leases to core deposits | 106.9997% | 3,590 |
| Total domestic deposits to total assets | 81.1148% | 5,032 |
| Equity capital to assets | 8.8321% | 5,734 |
| Core capital (leverage) ratio | 8.7029% | 5,120 |
| Tier 1 risk-based capital ratio | 12.2988% | 4,712 |
| Total risk-based capital ratio | 13.5501% | 4,648 |
| Memoranda: | ||
| Average total assets | $256,704,750 | 2,555 |
| Average earning assets | $243,471,500 | 2,482 |
| Average equity | $23,407,000 | 2,817 |
| Average total loans | $204,048,000 | 2,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 3,853 |
| Cost of funding earning assets | 1.8492% | 4,515 |
| Net interest margin | 3.7944% | 3,570 |
| Noninterest income to average assets | 0.4704% | 4,709 |
| Noninterest expense to average assets | 2.0946% | 7,287 |
| Loan and lease loss provision to assets | 0.1635% | 5,424 |
| Net operating income to assets | 1.1011% | 1,770 |
| Return on assets (ROA) | 1.1011% | 1,847 |
| Pretax return on assets | 1.8084% | 839 |
| Return on Equity (ROE) | 11.9395% | 1,432 |
| Retained earnings to average equity (ytd only) | 6.7522% | 1,682 |
| Net charge-offs to loans | 0.1172% | 4,989 |
| Credit loss provision to net charge-offs | 172.2689% | 2,671 |
| Earnings coverage of net charge-offs (x) | 20.7815% | 1,296 |
| Efficiency ratio | 50.5490% | 7,628 |
| Assets per employee ($millions) | 6.2501% | 1,075 |
| Cash dividends to net income (ytd only)* | 43.4468% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 4,794 |
| Loan loss allowance to noncurrent loans | 1,157.8704% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 7,375 |
| Noncurrent loans to loans | 0.1057% | 7,261 |
| Net loans and leases to total assets | 78.7979% | 1,573 |
| Net loans and leases to deposits | 98.2216% | 1,489 |
| Net loans and leases to core deposits | 115.6960% | 2,738 |
| Total domestic deposits to total assets | 80.2246% | 5,384 |
| Equity capital to assets | 9.1960% | 5,018 |
| Core capital (leverage) ratio | 8.8791% | 4,820 |
| Tier 1 risk-based capital ratio | 12.2932% | 4,681 |
| Total risk-based capital ratio | 13.5447% | 4,595 |
| Memoranda: | ||
| Average total assets | $250,834,330 | 2,623 |
| Average earning assets | $237,718,330 | 2,542 |
| Average equity | $23,133,330 | 2,851 |
| Average total loans | $203,002,000 | 2,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 3,837 |
| Cost of funding earning assets | 1.9440% | 4,404 |
| Net interest margin | 3.7500% | 3,655 |
| Noninterest income to average assets | 0.4643% | 4,642 |
| Noninterest expense to average assets | 2.0103% | 7,328 |
| Loan and lease loss provision to assets | 0.1531% | 4,971 |
| Net operating income to assets | 1.1301% | 1,869 |
| Return on assets (ROA) | 1.1301% | 1,991 |
| Pretax return on assets | 1.8523% | 887 |
| Return on Equity (ROE) | 12.2352% | 1,588 |
| Retained earnings to average equity (ytd only) | 6.9990% | 2,209 |
| Net charge-offs to loans | 0.1503% | 3,761 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 16.3684% | 1,554 |
| Efficiency ratio | 49.0165% | 7,666 |
| Assets per employee ($millions) | 6.2691% | 1,056 |
| Cash dividends to net income (ytd only)* | 42.7960% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,811 |
| Loan loss allowance to noncurrent loans | 1,058.2609% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 7,325 |
| Noncurrent loans to loans | 0.1133% | 7,203 |
| Net loans and leases to total assets | 77.9979% | 1,823 |
| Net loans and leases to deposits | 98.2509% | 1,629 |
| Net loans and leases to core deposits | 117.7913% | 2,618 |
| Total domestic deposits to total assets | 79.3865% | 5,578 |
| Equity capital to assets | 9.0272% | 5,322 |
| Core capital (leverage) ratio | 9.0265% | 4,662 |
| Tier 1 risk-based capital ratio | 12.1345% | 4,837 |
| Total risk-based capital ratio | 13.3865% | 4,735 |
| Memoranda: | ||
| Average total assets | $248,125,000 | 2,672 |
| Average earning assets | $234,984,000 | 2,587 |
| Average equity | $22,917,500 | 2,885 |
| Average total loans | $202,291,500 | 2,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0941% | 5,073 |
| Cost of funding earning assets | 2.3549% | 4,908 |
| Net interest margin | 3.7392% | 4,283 |
| Noninterest income to average assets | 0.4332% | 5,187 |
| Noninterest expense to average assets | 1.9389% | 7,554 |
| Loan and lease loss provision to assets | 0.2040% | 4,849 |
| Net operating income to assets | 1.1024% | 2,135 |
| Return on assets (ROA) | 1.1024% | 2,052 |
| Pretax return on assets | 1.8043% | 936 |
| Return on Equity (ROE) | 11.9306% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.3786% | 1,027 |
| Net charge-offs to loans | 0.1123% | 5,146 |
| Credit loss provision to net charge-offs | 220.4545% | 2,175 |
| Earnings coverage of net charge-offs (x) | 21.7045% | 1,517 |
| Efficiency ratio | 47.9595% | 7,811 |
| Assets per employee ($millions) | 5.8345% | 1,243 |
| Cash dividends to net income (ytd only)* | 38.1534% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,552 |
| Loan loss allowance to noncurrent loans | 1,251.2953% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 7,245 |
| Noncurrent loans to loans | 0.0957% | 7,130 |
| Net loans and leases to total assets | 83.2941% | 995 |
| Net loans and leases to deposits | 105.9271% | 1,128 |
| Net loans and leases to core deposits | 128.3865% | 1,975 |
| Total domestic deposits to total assets | 78.6334% | 5,508 |
| Equity capital to assets | 9.4609% | 4,741 |
| Core capital (leverage) ratio | 9.1220% | 4,560 |
| Tier 1 risk-based capital ratio | 12.1427% | 4,708 |
| Total risk-based capital ratio | 13.3941% | 4,596 |
| Memoranda: | ||
| Average total assets | $237,764,600 | 2,672 |
| Average earning assets | $223,445,800 | 2,620 |
| Average equity | $21,968,800 | 2,976 |
| Average total loans | $195,850,200 | 2,342 |