Home > Security National Bank of Omaha > Performance and Condition Ratios
Security National Bank of Omaha, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2532% | 968 |
| Cost of funding earning assets | 2.0704% | 2,050 |
| Net interest margin | 4.1828% | 949 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 3.0829% | 1,019 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 1.0694% | 1,847 |
| Return on assets (ROA) | 1.0698% | 1,850 |
| Pretax return on assets | 1.3944% | 1,529 |
| Return on Equity (ROE) | 12.8400% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.1921% | 1,056 |
| Net charge-offs to loans | 0.0812% | 1,329 |
| Credit loss provision to net charge-offs | 473.4587% | 665 |
| Earnings coverage of net charge-offs (x) | 30.0596% | 1,531 |
| Efficiency ratio | 64.3440% | 2,695 |
| Assets per employee ($millions) | 7.8408% | 1,631 |
| Cash dividends to net income (ytd only)* | 36.1927% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,168 |
| Loan loss allowance to noncurrent loans | 919.1500% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 2,905 |
| Noncurrent loans to loans | 0.1572% | 2,891 |
| Net loans and leases to total assets | 71.0600% | 1,775 |
| Net loans and leases to deposits | 84.3277% | 1,749 |
| Net loans and leases to core deposits | 86.4194% | 2,359 |
| Total domestic deposits to total assets | 84.2600% | 2,713 |
| Equity capital to assets | 8.3819% | 3,293 |
| Core capital (leverage) ratio | 9.4457% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4091% | 2,077 |
| Memoranda: | ||
| Average total assets | $1,695,624,600 | 668 |
| Average earning assets | $1,601,901,800 | 653 |
| Average equity | $141,282,800 | 767 |
| Average total loans | $1,177,964,800 | 674 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2408% | 957 |
| Cost of funding earning assets | 2.1508% | 1,851 |
| Net interest margin | 4.0900% | 1,030 |
| Noninterest income to average assets | 0.8100% | 864 |
| Noninterest expense to average assets | 3.0141% | 1,098 |
| Loan and lease loss provision to assets | 0.3000% | 349 |
| Net operating income to assets | 1.0472% | 1,915 |
| Return on assets (ROA) | 1.0474% | 1,923 |
| Pretax return on assets | 1.3625% | 1,611 |
| Return on Equity (ROE) | 12.5900% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.8985% | 1,423 |
| Net charge-offs to loans | 0.0055% | 2,469 |
| Credit loss provision to net charge-offs | 6,668.7500% | 78 |
| Earnings coverage of net charge-offs (x) | 436.4583% | 272 |
| Efficiency ratio | 64.2629% | 2,683 |
| Assets per employee ($millions) | 7.8844% | 1,589 |
| Cash dividends to net income (ytd only)* | 37.2668% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,112 |
| Loan loss allowance to noncurrent loans | 509.1270% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,345 |
| Noncurrent loans to loans | 0.2903% | 2,410 |
| Net loans and leases to total assets | 68.4100% | 2,036 |
| Net loans and leases to deposits | 82.5493% | 1,927 |
| Net loans and leases to core deposits | 85.2010% | 2,480 |
| Total domestic deposits to total assets | 82.8700% | 2,888 |
| Equity capital to assets | 8.4698% | 3,420 |
| Core capital (leverage) ratio | 9.3124% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4819% | 2,082 |
| Memoranda: | ||
| Average total assets | $1,678,483,750 | 664 |
| Average earning assets | $1,585,719,500 | 650 |
| Average equity | $139,635,250 | 767 |
| Average total loans | $1,154,471,500 | 682 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 912 |
| Cost of funding earning assets | 2.1602% | 1,746 |
| Net interest margin | 4.0415% | 1,067 |
| Noninterest income to average assets | 0.8100% | 850 |
| Noninterest expense to average assets | 2.9716% | 1,139 |
| Loan and lease loss provision to assets | 0.3400% | 279 |
| Net operating income to assets | 1.0015% | 1,995 |
| Return on assets (ROA) | 1.0019% | 1,993 |
| Pretax return on assets | 1.3032% | 1,692 |
| Return on Equity (ROE) | 12.1200% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.3879% | 1,542 |
| Net charge-offs to loans | 0.0116% | 1,986 |
| Credit loss provision to net charge-offs | 4,243.9394% | 125 |
| Earnings coverage of net charge-offs (x) | 205.7273% | 480 |
| Efficiency ratio | 64.2515% | 2,742 |
| Assets per employee ($millions) | 7.4121% | 1,791 |
| Cash dividends to net income (ytd only)* | 39.0444% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,145 |
| Loan loss allowance to noncurrent loans | 553.4385% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 2,315 |
| Noncurrent loans to loans | 0.2665% | 2,413 |
| Net loans and leases to total assets | 71.5500% | 1,721 |
| Net loans and leases to deposits | 87.2297% | 1,549 |
| Net loans and leases to core deposits | 89.9405% | 2,149 |
| Total domestic deposits to total assets | 82.0300% | 3,069 |
| Equity capital to assets | 8.4897% | 3,107 |
| Core capital (leverage) ratio | 9.2599% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1219% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,654,531,667 | 679 |
| Average earning assets | $1,558,731,667 | 660 |
| Average equity | $136,763,333 | 778 |
| Average total loans | $1,134,157,333 | 690 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 993 |
| Cost of funding earning assets | 2.0808% | 1,818 |
| Net interest margin | 3.9747% | 1,123 |
| Noninterest income to average assets | 0.7600% | 904 |
| Noninterest expense to average assets | 2.8974% | 1,235 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.0975% | 1,669 |
| Return on assets (ROA) | 1.0975% | 1,679 |
| Pretax return on assets | 1.4239% | 1,387 |
| Return on Equity (ROE) | 13.4600% | 1,248 |
| Retained earnings to average equity (ytd only) | 8.5864% | 1,399 |
| Net charge-offs to loans | -0.0025% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.3626% | 2,769 |
| Assets per employee ($millions) | 7.6920% | 1,642 |
| Cash dividends to net income (ytd only)* | 36.1903% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,473 |
| Loan loss allowance to noncurrent loans | 936.9565% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 2,971 |
| Noncurrent loans to loans | 0.1466% | 2,882 |
| Net loans and leases to total assets | 65.2300% | 2,343 |
| Net loans and leases to deposits | 77.5047% | 2,286 |
| Net loans and leases to core deposits | 79.1670% | 2,784 |
| Total domestic deposits to total assets | 84.1600% | 2,665 |
| Equity capital to assets | 7.9967% | 3,371 |
| Core capital (leverage) ratio | 9.4303% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5019% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,662,756,500 | 679 |
| Average earning assets | $1,558,452,500 | 664 |
| Average equity | $135,610,500 | 786 |
| Average total loans | $1,106,408,500 | 700 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 1,071 |
| Cost of funding earning assets | 1.5014% | 1,936 |
| Net interest margin | 4.0704% | 1,103 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.0577% | 1,027 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1555% | 1,767 |
| Return on assets (ROA) | 1.1555% | 1,741 |
| Pretax return on assets | 1.4988% | 1,423 |
| Return on Equity (ROE) | 13.3800% | 1,637 |
| Retained earnings to average equity (ytd only) | 8.1884% | 1,482 |
| Net charge-offs to loans | 0.0542% | 1,324 |
| Credit loss provision to net charge-offs | 282.4859% | 995 |
| Earnings coverage of net charge-offs (x) | 44.1111% | 1,377 |
| Efficiency ratio | 65.4404% | 2,422 |
| Assets per employee ($millions) | 7.4215% | 1,791 |
| Cash dividends to net income (ytd only)* | 38.8001% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,523 |
| Loan loss allowance to noncurrent loans | 2,339.4945% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,339 |
| Noncurrent loans to loans | 0.0584% | 3,300 |
| Net loans and leases to total assets | 66.0500% | 2,248 |
| Net loans and leases to deposits | 79.3215% | 2,162 |
| Net loans and leases to core deposits | 80.4958% | 2,679 |
| Total domestic deposits to total assets | 83.2700% | 2,821 |
| Equity capital to assets | 8.3236% | 3,175 |
| Core capital (leverage) ratio | 10.1924% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5689% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,462,725,400 | 728 |
| Average earning assets | $1,373,465,600 | 714 |
| Average equity | $126,324,800 | 784 |
| Average total loans | $980,053,200 | 742 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5039% | 1,013 |
| Cost of funding earning assets | 1.3807% | 1,915 |
| Net interest margin | 4.1232% | 1,028 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 3.0703% | 968 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2464% | 1,659 |
| Return on assets (ROA) | 1.2464% | 1,652 |
| Pretax return on assets | 1.6229% | 1,308 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.9621% | 1,697 |
| Net charge-offs to loans | 0.0184% | 1,761 |
| Credit loss provision to net charge-offs | 473.4848% | 667 |
| Earnings coverage of net charge-offs (x) | 136.0379% | 780 |
| Efficiency ratio | 64.4235% | 2,447 |
| Assets per employee ($millions) | 7.0666% | 1,910 |
| Cash dividends to net income (ytd only)* | 37.2624% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,574 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,860 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.7900% | 1,855 |
| Net loans and leases to deposits | 86.2419% | 1,542 |
| Net loans and leases to core deposits | 87.7398% | 2,069 |
| Total domestic deposits to total assets | 80.9200% | 3,398 |
| Equity capital to assets | 8.4286% | 2,766 |
| Core capital (leverage) ratio | 10.7344% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8598% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,423,933,750 | 744 |
| Average earning assets | $1,342,721,750 | 727 |
| Average equity | $124,239,250 | 790 |
| Average total loans | $954,202,000 | 760 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 895 |
| Cost of funding earning assets | 1.2703% | 1,791 |
| Net interest margin | 4.1814% | 953 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 3.0636% | 950 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2968% | 1,581 |
| Return on assets (ROA) | 1.2968% | 1,567 |
| Pretax return on assets | 1.6830% | 1,251 |
| Return on Equity (ROE) | 14.6900% | 1,529 |
| Retained earnings to average equity (ytd only) | 9.3784% | 1,579 |
| Net charge-offs to loans | 0.0201% | 1,487 |
| Credit loss provision to net charge-offs | 537.6344% | 625 |
| Earnings coverage of net charge-offs (x) | 132.6237% | 799 |
| Efficiency ratio | 63.4007% | 2,553 |
| Assets per employee ($millions) | 6.8354% | 2,051 |
| Cash dividends to net income (ytd only)* | 36.1483% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,330 |
| Loan loss allowance to noncurrent loans | 712,350.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,826 |
| Noncurrent loans to loans | 0.0002% | 3,847 |
| Net loans and leases to total assets | 69.1800% | 1,830 |
| Net loans and leases to deposits | 84.1949% | 1,655 |
| Net loans and leases to core deposits | 85.5193% | 2,110 |
| Total domestic deposits to total assets | 82.1700% | 3,202 |
| Equity capital to assets | 9.0178% | 2,508 |
| Core capital (leverage) ratio | 10.6387% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1909% | 1,818 |
| Memoranda: | ||
| Average total assets | $1,406,268,667 | 740 |
| Average earning assets | $1,325,545,333 | 723 |
| Average equity | $124,157,667 | 785 |
| Average total loans | $923,931,000 | 767 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 661 |
| Cost of funding earning assets | 1.1151% | 1,716 |
| Net interest margin | 4.3396% | 759 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.8829% | 1,268 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.4584% | 1,272 |
| Return on assets (ROA) | 1.4584% | 1,245 |
| Pretax return on assets | 1.8876% | 925 |
| Return on Equity (ROE) | 16.7000% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.4069% | 1,375 |
| Net charge-offs to loans | 0.0379% | 980 |
| Credit loss provision to net charge-offs | 588.2353% | 513 |
| Earnings coverage of net charge-offs (x) | 84.2824% | 874 |
| Efficiency ratio | 58.5054% | 3,131 |
| Assets per employee ($millions) | 6.9898% | 1,989 |
| Cash dividends to net income (ytd only)* | 31.6761% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,860 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.2200% | 2,227 |
| Net loans and leases to deposits | 74.3854% | 2,267 |
| Net loans and leases to core deposits | 75.0927% | 2,594 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 8.8777% | 2,608 |
| Core capital (leverage) ratio | 9.6967% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3670% | 1,844 |
| Memoranda: | ||
| Average total assets | $1,412,193,000 | 753 |
| Average earning assets | $1,331,186,000 | 738 |
| Average equity | $123,363,500 | 800 |
| Average total loans | $896,437,000 | 798 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 2,514 |
| Cost of funding earning assets | 0.3022% | 2,857 |
| Net interest margin | 3.4014% | 2,254 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.5540% | 1,955 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0799% | 2,264 |
| Return on assets (ROA) | 1.0799% | 2,205 |
| Pretax return on assets | 1.4041% | 1,761 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 9.1419% | 1,440 |
| Net charge-offs to loans | -0.0106% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.2067% | 2,732 |
| Assets per employee ($millions) | 7.0989% | 1,896 |
| Cash dividends to net income (ytd only)* | 30.8866% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 532 |
| Loan loss allowance to noncurrent loans | 1,644,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,873 |
| Noncurrent loans to loans | 0.0001% | 3,912 |
| Net loans and leases to total assets | 60.5300% | 2,593 |
| Net loans and leases to deposits | 70.0828% | 2,574 |
| Net loans and leases to core deposits | 70.5342% | 2,838 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 8.5907% | 2,639 |
| Core capital (leverage) ratio | 9.3320% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7505% | 1,710 |
| Memoranda: | ||
| Average total assets | $1,498,696,400 | 699 |
| Average earning assets | $1,425,613,800 | 679 |
| Average equity | $122,360,200 | 799 |
| Average total loans | $836,771,600 | 794 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3032% | 3,169 |
| Cost of funding earning assets | 0.1561% | 3,773 |
| Net interest margin | 3.1471% | 2,784 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.4429% | 2,183 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0285% | 2,373 |
| Return on assets (ROA) | 1.0285% | 2,342 |
| Pretax return on assets | 1.3396% | 1,923 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 9.3178% | 1,546 |
| Net charge-offs to loans | -0.0177% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.8979% | 2,702 |
| Assets per employee ($millions) | 7.7951% | 1,426 |
| Cash dividends to net income (ytd only)* | 26.9185% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 673 |
| Loan loss allowance to noncurrent loans | 128,900.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,964 |
| Noncurrent loans to loans | 0.0014% | 3,967 |
| Net loans and leases to total assets | 51.7900% | 3,296 |
| Net loans and leases to deposits | 58.6766% | 3,295 |
| Net loans and leases to core deposits | 59.0228% | 3,449 |
| Total domestic deposits to total assets | 88.2600% | 2,338 |
| Equity capital to assets | 7.3488% | 3,303 |
| Core capital (leverage) ratio | 9.0264% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7161% | 1,804 |
| Memoranda: | ||
| Average total assets | $1,523,751,250 | 697 |
| Average earning assets | $1,452,432,250 | 681 |
| Average equity | $122,915,500 | 808 |
| Average total loans | $830,243,500 | 802 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0268% | 3,487 |
| Cost of funding earning assets | 0.0652% | 4,492 |
| Net interest margin | 2.9616% | 3,000 |
| Noninterest income to average assets | 0.9060% | 834 |
| Noninterest expense to average assets | 2.4615% | 2,052 |
| Loan and lease loss provision to assets | 0.0003% | 2,597 |
| Net operating income to assets | 0.9764% | 2,241 |
| Return on assets (ROA) | 0.9764% | 2,215 |
| Pretax return on assets | 1.2708% | 1,840 |
| Return on Equity (ROE) | 11.7359% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.0293% | 1,010 |
| Net charge-offs to loans | -0.0307% | 4,045 |
| Credit loss provision to net charge-offs | -1.5748% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7187% | 2,553 |
| Assets per employee ($millions) | 7.7205% | 1,465 |
| Cash dividends to net income (ytd only)* | 14.5410% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 954 |
| Loan loss allowance to noncurrent loans | 765.0291% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 2,825 |
| Noncurrent loans to loans | 0.2224% | 2,612 |
| Net loans and leases to total assets | 53.6553% | 3,002 |
| Net loans and leases to deposits | 61.5852% | 2,920 |
| Net loans and leases to core deposits | 61.9559% | 3,121 |
| Total domestic deposits to total assets | 87.1236% | 2,892 |
| Equity capital to assets | 7.8975% | 3,200 |
| Core capital (leverage) ratio | 9.2127% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3216% | 1,932 |
| Memoranda: | ||
| Average total assets | $1,501,598,667 | 696 |
| Average earning assets | $1,433,130,000 | 681 |
| Average equity | $124,933,333 | 803 |
| Average total loans | $827,307,667 | 788 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8690% | 3,612 |
| Cost of funding earning assets | 0.0697% | 4,452 |
| Net interest margin | 2.7993% | 3,144 |
| Noninterest income to average assets | 0.9404% | 775 |
| Noninterest expense to average assets | 2.4916% | 1,903 |
| Loan and lease loss provision to assets | 0.0005% | 2,281 |
| Net operating income to assets | 0.8613% | 2,446 |
| Return on assets (ROA) | 0.8613% | 2,438 |
| Pretax return on assets | 1.1218% | 2,073 |
| Return on Equity (ROE) | 10.0812% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.0812% | 996 |
| Net charge-offs to loans | -0.0069% | 3,452 |
| Credit loss provision to net charge-offs | -14.2857% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7035% | 2,416 |
| Assets per employee ($millions) | 7.8753% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,012 |
| Loan loss allowance to noncurrent loans | 740.6701% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,925 |
| Noncurrent loans to loans | 0.2330% | 2,659 |
| Net loans and leases to total assets | 52.2119% | 2,967 |
| Net loans and leases to deposits | 59.6853% | 2,932 |
| Net loans and leases to core deposits | 60.0596% | 3,138 |
| Total domestic deposits to total assets | 87.4786% | 2,754 |
| Equity capital to assets | 8.1445% | 3,454 |
| Core capital (leverage) ratio | 9.1062% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4024% | 2,037 |
| Memoranda: | ||
| Average total assets | $1,472,631,000 | 709 |
| Average earning assets | $1,406,491,500 | 694 |
| Average equity | $125,818,000 | 819 |
| Average total loans | $815,334,500 | 787 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 3,014 |
| Cost of funding earning assets | 0.0977% | 4,397 |
| Net interest margin | 3.2686% | 2,414 |
| Noninterest income to average assets | 1.1817% | 759 |
| Noninterest expense to average assets | 2.7869% | 1,391 |
| Loan and lease loss provision to assets | 0.1233% | 993 |
| Net operating income to assets | 1.1008% | 2,294 |
| Return on assets (ROA) | 1.1651% | 2,105 |
| Pretax return on assets | 1.4897% | 1,758 |
| Return on Equity (ROE) | 11.7264% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.5908% | 2,082 |
| Net charge-offs to loans | -0.0065% | 3,618 |
| Credit loss provision to net charge-offs | -3,116.3265% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2932% | 2,513 |
| Assets per employee ($millions) | 6.9600% | 1,956 |
| Cash dividends to net income (ytd only)* | 43.7955% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 866 |
| Loan loss allowance to noncurrent loans | 721.6189% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 2,915 |
| Noncurrent loans to loans | 0.2492% | 2,732 |
| Net loans and leases to total assets | 56.8684% | 2,492 |
| Net loans and leases to deposits | 66.4982% | 2,464 |
| Net loans and leases to core deposits | 66.9838% | 2,735 |
| Total domestic deposits to total assets | 85.5186% | 3,083 |
| Equity capital to assets | 8.9978% | 3,621 |
| Core capital (leverage) ratio | 8.6491% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6570% | 2,384 |
| Memoranda: | ||
| Average total assets | $1,238,740,600 | 807 |
| Average earning assets | $1,188,766,800 | 781 |
| Average equity | $123,081,400 | 841 |
| Average total loans | $750,746,800 | 831 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4373% | 2,994 |
| Cost of funding earning assets | 0.1009% | 4,497 |
| Net interest margin | 3.3364% | 2,316 |
| Noninterest income to average assets | 1.1715% | 835 |
| Noninterest expense to average assets | 2.7787% | 1,390 |
| Loan and lease loss provision to assets | 0.0030% | 2,909 |
| Net operating income to assets | 1.2365% | 2,033 |
| Return on assets (ROA) | 1.2366% | 2,095 |
| Pretax return on assets | 1.5948% | 1,714 |
| Return on Equity (ROE) | 12.1183% | 2,006 |
| Retained earnings to average equity (ytd only) | 6.7353% | 2,528 |
| Net charge-offs to loans | -0.0060% | 3,491 |
| Credit loss provision to net charge-offs | -81.8182% | 3,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2478% | 2,504 |
| Assets per employee ($millions) | 6.8437% | 1,987 |
| Cash dividends to net income (ytd only)* | 44.4206% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 1,068 |
| Loan loss allowance to noncurrent loans | 628.3407% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 3,105 |
| Noncurrent loans to loans | 0.2740% | 2,820 |
| Net loans and leases to total assets | 53.2616% | 3,052 |
| Net loans and leases to deposits | 62.5463% | 2,992 |
| Net loans and leases to core deposits | 63.0601% | 3,216 |
| Total domestic deposits to total assets | 85.1556% | 3,062 |
| Equity capital to assets | 9.0825% | 3,755 |
| Core capital (leverage) ratio | 9.0319% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,203,904,250 | 832 |
| Average earning assets | $1,156,428,000 | 811 |
| Average equity | $122,852,250 | 857 |
| Average total loans | $738,921,500 | 860 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 2,961 |
| Cost of funding earning assets | 0.1048% | 4,543 |
| Net interest margin | 3.3700% | 2,240 |
| Noninterest income to average assets | 1.1452% | 868 |
| Noninterest expense to average assets | 2.8501% | 1,254 |
| Loan and lease loss provision to assets | 0.0035% | 2,811 |
| Net operating income to assets | 1.1850% | 2,244 |
| Return on assets (ROA) | 1.1850% | 2,307 |
| Pretax return on assets | 1.5263% | 1,936 |
| Return on Equity (ROE) | 11.1234% | 2,389 |
| Retained earnings to average equity (ytd only) | 6.3525% | 2,672 |
| Net charge-offs to loans | -0.0014% | 3,125 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8176% | 2,323 |
| Assets per employee ($millions) | 6.2129% | 2,419 |
| Cash dividends to net income (ytd only)* | 42.8908% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 1,055 |
| Loan loss allowance to noncurrent loans | 616.9639% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,134 |
| Noncurrent loans to loans | 0.2756% | 2,956 |
| Net loans and leases to total assets | 59.5603% | 2,476 |
| Net loans and leases to deposits | 71.2434% | 2,272 |
| Net loans and leases to core deposits | 71.8413% | 2,618 |
| Total domestic deposits to total assets | 83.6012% | 3,544 |
| Equity capital to assets | 9.9706% | 2,878 |
| Core capital (leverage) ratio | 10.1375% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,146,677,333 | 861 |
| Average earning assets | $1,100,658,000 | 838 |
| Average equity | $122,157,000 | 853 |
| Average total loans | $736,730,000 | 862 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 2,864 |
| Cost of funding earning assets | 0.1179% | 4,533 |
| Net interest margin | 3.4008% | 2,108 |
| Noninterest income to average assets | 1.1570% | 910 |
| Noninterest expense to average assets | 2.8924% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1814% | 2,225 |
| Return on assets (ROA) | 1.1814% | 2,296 |
| Pretax return on assets | 1.5196% | 1,943 |
| Return on Equity (ROE) | 10.7017% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.5603% | 3,045 |
| Net charge-offs to loans | -0.0022% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2942% | 2,332 |
| Assets per employee ($millions) | 5.6382% | 2,978 |
| Cash dividends to net income (ytd only)* | 48.0431% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 959 |
| Loan loss allowance to noncurrent loans | 608.0400% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 3,228 |
| Noncurrent loans to loans | 0.2865% | 3,075 |
| Net loans and leases to total assets | 63.2963% | 2,134 |
| Net loans and leases to deposits | 75.6493% | 1,950 |
| Net loans and leases to core deposits | 76.3417% | 2,319 |
| Total domestic deposits to total assets | 83.6707% | 3,525 |
| Equity capital to assets | 10.6518% | 2,129 |
| Core capital (leverage) ratio | 10.8760% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,098,728,500 | 887 |
| Average earning assets | $1,051,626,000 | 861 |
| Average equity | $121,289,500 | 853 |
| Average total loans | $728,653,500 | 866 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 2,529 |
| Cost of funding earning assets | 0.2395% | 4,427 |
| Net interest margin | 3.8261% | 1,434 |
| Noninterest income to average assets | 1.1483% | 821 |
| Noninterest expense to average assets | 3.1039% | 1,223 |
| Loan and lease loss provision to assets | 0.3172% | 1,170 |
| Net operating income to assets | 1.0474% | 2,112 |
| Return on assets (ROA) | 1.0937% | 2,070 |
| Pretax return on assets | 1.4074% | 1,634 |
| Return on Equity (ROE) | 9.1374% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.4696% | 2,552 |
| Net charge-offs to loans | 0.0410% | 2,236 |
| Credit loss provision to net charge-offs | 1,077.4306% | 745 |
| Earnings coverage of net charge-offs (x) | 56.5903% | 1,104 |
| Efficiency ratio | 64.7973% | 2,704 |
| Assets per employee ($millions) | 4.9309% | 3,465 |
| Cash dividends to net income (ytd only)* | 51.0841% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 927 |
| Loan loss allowance to noncurrent loans | 602.9731% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 3,277 |
| Noncurrent loans to loans | 0.2922% | 3,148 |
| Net loans and leases to total assets | 67.2037% | 1,929 |
| Net loans and leases to deposits | 81.7233% | 1,686 |
| Net loans and leases to core deposits | 82.5910% | 2,151 |
| Total domestic deposits to total assets | 82.2331% | 3,612 |
| Equity capital to assets | 11.4385% | 1,928 |
| Core capital (leverage) ratio | 11.1119% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $978,318,000 | 899 |
| Average earning assets | $926,012,400 | 883 |
| Average equity | $117,101,000 | 841 |
| Average total loans | $701,623,400 | 865 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,005 |
| Cost of funding earning assets | 0.2661% | 4,446 |
| Net interest margin | 3.7211% | 1,876 |
| Noninterest income to average assets | 1.1421% | 807 |
| Noninterest expense to average assets | 3.1047% | 1,229 |
| Loan and lease loss provision to assets | 0.3112% | 1,283 |
| Net operating income to assets | 0.9608% | 2,486 |
| Return on assets (ROA) | 1.0040% | 2,452 |
| Pretax return on assets | 1.2948% | 2,074 |
| Return on Equity (ROE) | 8.2863% | 2,692 |
| Retained earnings to average equity (ytd only) | 3.7899% | 3,143 |
| Net charge-offs to loans | 0.0475% | 1,932 |
| Credit loss provision to net charge-offs | 901.6129% | 897 |
| Earnings coverage of net charge-offs (x) | 44.9395% | 1,271 |
| Efficiency ratio | 66.3916% | 2,417 |
| Assets per employee ($millions) | 4.9365% | 3,332 |
| Cash dividends to net income (ytd only)* | 54.2631% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,288 |
| Loan loss allowance to noncurrent loans | 534.1976% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,353 |
| Noncurrent loans to loans | 0.2871% | 3,253 |
| Net loans and leases to total assets | 73.6575% | 1,414 |
| Net loans and leases to deposits | 93.6559% | 952 |
| Net loans and leases to core deposits | 94.6163% | 1,587 |
| Total domestic deposits to total assets | 78.6470% | 4,111 |
| Equity capital to assets | 11.5044% | 2,000 |
| Core capital (leverage) ratio | 10.9245% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $957,863,250 | 909 |
| Average earning assets | $904,538,000 | 884 |
| Average equity | $116,060,250 | 845 |
| Average total loans | $695,722,250 | 867 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,139 |
| Cost of funding earning assets | 0.3032% | 4,473 |
| Net interest margin | 3.7632% | 1,951 |
| Noninterest income to average assets | 1.1237% | 788 |
| Noninterest expense to average assets | 3.1275% | 1,291 |
| Loan and lease loss provision to assets | 0.3665% | 1,146 |
| Net operating income to assets | 0.9118% | 2,646 |
| Return on assets (ROA) | 0.9785% | 2,531 |
| Pretax return on assets | 1.2594% | 2,153 |
| Return on Equity (ROE) | 7.9266% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.4581% | 3,198 |
| Net charge-offs to loans | 0.2261% | 687 |
| Credit loss provision to net charge-offs | 225.6954% | 1,819 |
| Earnings coverage of net charge-offs (x) | 9.4927% | 2,217 |
| Efficiency ratio | 66.6866% | 2,419 |
| Assets per employee ($millions) | 4.8982% | 3,305 |
| Cash dividends to net income (ytd only)* | 56.3736% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,429 |
| Loan loss allowance to noncurrent loans | 267.6889% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 2,662 |
| Noncurrent loans to loans | 0.5396% | 2,551 |
| Net loans and leases to total assets | 71.0194% | 1,868 |
| Net loans and leases to deposits | 89.8177% | 1,371 |
| Net loans and leases to core deposits | 91.0081% | 1,988 |
| Total domestic deposits to total assets | 79.0707% | 4,029 |
| Equity capital to assets | 11.3026% | 2,120 |
| Core capital (leverage) ratio | 11.1933% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $929,952,333 | 912 |
| Average earning assets | $876,065,333 | 891 |
| Average equity | $114,804,000 | 850 |
| Average total loans | $667,908,333 | 883 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,805 |
| Cost of funding earning assets | 0.4049% | 4,344 |
| Net interest margin | 3.9311% | 1,576 |
| Noninterest income to average assets | 1.2457% | 568 |
| Noninterest expense to average assets | 3.2457% | 1,329 |
| Loan and lease loss provision to assets | 0.5365% | 542 |
| Net operating income to assets | 0.9029% | 2,518 |
| Return on assets (ROA) | 0.9885% | 2,317 |
| Pretax return on assets | 1.2871% | 1,906 |
| Return on Equity (ROE) | 7.6199% | 2,669 |
| Retained earnings to average equity (ytd only) | 2.9141% | 3,119 |
| Net charge-offs to loans | 0.4204% | 349 |
| Credit loss provision to net charge-offs | 178.0488% | 1,479 |
| Earnings coverage of net charge-offs (x) | 5.6921% | 2,035 |
| Efficiency ratio | 65.1296% | 3,069 |
| Assets per employee ($millions) | 4.0926% | 3,794 |
| Cash dividends to net income (ytd only)* | 61.7565% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 887 |
| Loan loss allowance to noncurrent loans | 408.3431% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,153 |
| Noncurrent loans to loans | 0.4157% | 3,004 |
| Net loans and leases to total assets | 70.2413% | 2,211 |
| Net loans and leases to deposits | 90.2910% | 1,473 |
| Net loans and leases to core deposits | 91.8525% | 2,178 |
| Total domestic deposits to total assets | 77.7943% | 4,251 |
| Equity capital to assets | 13.5101% | 1,214 |
| Core capital (leverage) ratio | 12.7711% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8569% | 1,641 |
| Memoranda: | ||
| Average total assets | $870,817,000 | 944 |
| Average earning assets | $822,969,500 | 916 |
| Average equity | $112,968,000 | 851 |
| Average total loans | $624,186,000 | 911 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,917 |
| Cost of funding earning assets | 0.4300% | 4,339 |
| Net interest margin | 3.7245% | 2,741 |
| Noninterest income to average assets | 1.1572% | 700 |
| Noninterest expense to average assets | 3.1046% | 1,746 |
| Loan and lease loss provision to assets | 0.0316% | 3,384 |
| Net operating income to assets | 1.2000% | 2,059 |
| Return on assets (ROA) | 1.2437% | 1,977 |
| Pretax return on assets | 1.5939% | 1,500 |
| Return on Equity (ROE) | 10.8415% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.2355% | 1,752 |
| Net charge-offs to loans | 0.0018% | 3,651 |
| Credit loss provision to net charge-offs | 2,890.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,434.8000% | 59 |
| Efficiency ratio | 66.1087% | 2,752 |
| Assets per employee ($millions) | 4.3256% | 3,470 |
| Cash dividends to net income (ytd only)* | 42.4850% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,026 |
| Loan loss allowance to noncurrent loans | 3,483.2168% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 4,333 |
| Noncurrent loans to loans | 0.0453% | 4,378 |
| Net loans and leases to total assets | 70.7640% | 2,279 |
| Net loans and leases to deposits | 91.7867% | 1,394 |
| Net loans and leases to core deposits | 93.3520% | 2,125 |
| Total domestic deposits to total assets | 77.0961% | 4,480 |
| Equity capital to assets | 12.4441% | 1,851 |
| Core capital (leverage) ratio | 11.6416% | 2,008 |
| Tier 1 risk-based capital ratio | 13.9519% | 3,296 |
| Total risk-based capital ratio | 15.2028% | 3,197 |
| Memoranda: | ||
| Average total assets | $913,746,400 | 864 |
| Average earning assets | $862,977,600 | 838 |
| Average equity | $104,819,200 | 868 |
| Average total loans | $569,214,200 | 954 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 4,187 |
| Cost of funding earning assets | 0.4134% | 4,451 |
| Net interest margin | 3.6719% | 3,020 |
| Noninterest income to average assets | 1.1182% | 725 |
| Noninterest expense to average assets | 2.9997% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2361% | 2,075 |
| Return on assets (ROA) | 1.2634% | 2,052 |
| Pretax return on assets | 1.6222% | 1,554 |
| Return on Equity (ROE) | 11.2404% | 1,915 |
| Retained earnings to average equity (ytd only) | 6.7252% | 1,997 |
| Net charge-offs to loans | -0.0116% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0843% | 2,845 |
| Assets per employee ($millions) | 4.1324% | 3,706 |
| Cash dividends to net income (ytd only)* | 40.1693% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 916 |
| Loan loss allowance to noncurrent loans | 3,040.9375% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,372 |
| Noncurrent loans to loans | 0.0540% | 4,398 |
| Net loans and leases to total assets | 68.1026% | 2,775 |
| Net loans and leases to deposits | 83.8552% | 2,475 |
| Net loans and leases to core deposits | 84.8400% | 3,012 |
| Total domestic deposits to total assets | 81.2145% | 3,691 |
| Equity capital to assets | 12.6678% | 1,798 |
| Core capital (leverage) ratio | 12.1611% | 1,753 |
| Tier 1 risk-based capital ratio | 14.5104% | 3,071 |
| Total risk-based capital ratio | 15.7617% | 2,996 |
| Memoranda: | ||
| Average total assets | $922,658,500 | 848 |
| Average earning assets | $871,724,500 | 832 |
| Average equity | $103,706,250 | 876 |
| Average total loans | $553,683,000 | 974 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 4,377 |
| Cost of funding earning assets | 0.4108% | 4,469 |
| Net interest margin | 3.5884% | 3,297 |
| Noninterest income to average assets | 1.0465% | 789 |
| Noninterest expense to average assets | 2.9009% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2072% | 2,126 |
| Return on assets (ROA) | 1.2204% | 2,126 |
| Pretax return on assets | 1.5633% | 1,656 |
| Return on Equity (ROE) | 11.2907% | 1,875 |
| Retained earnings to average equity (ytd only) | 7.3379% | 1,677 |
| Net charge-offs to loans | -0.0144% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9220% | 2,989 |
| Assets per employee ($millions) | 4.4548% | 3,214 |
| Cash dividends to net income (ytd only)* | 35.0095% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 717 |
| Loan loss allowance to noncurrent loans | 2,127.3523% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,365 |
| Noncurrent loans to loans | 0.0833% | 4,305 |
| Net loans and leases to total assets | 59.0127% | 3,822 |
| Net loans and leases to deposits | 72.9204% | 3,607 |
| Net loans and leases to core deposits | 73.7235% | 3,909 |
| Total domestic deposits to total assets | 80.9276% | 3,834 |
| Equity capital to assets | 11.6601% | 2,481 |
| Core capital (leverage) ratio | 11.0484% | 2,550 |
| Tier 1 risk-based capital ratio | 14.5882% | 3,024 |
| Total risk-based capital ratio | 15.8400% | 2,947 |
| Memoranda: | ||
| Average total assets | $945,078,330 | 822 |
| Average earning assets | $895,720,330 | 800 |
| Average equity | $102,155,000 | 880 |
| Average total loans | $540,817,330 | 996 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 4,563 |
| Cost of funding earning assets | 0.4067% | 4,456 |
| Net interest margin | 3.4856% | 3,633 |
| Noninterest income to average assets | 0.9702% | 877 |
| Noninterest expense to average assets | 2.7987% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1490% | 2,275 |
| Return on assets (ROA) | 1.1750% | 2,202 |
| Pretax return on assets | 1.5038% | 1,756 |
| Return on Equity (ROE) | 11.2930% | 1,826 |
| Retained earnings to average equity (ytd only) | 6.3446% | 2,298 |
| Net charge-offs to loans | -0.0134% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2369% | 3,053 |
| Assets per employee ($millions) | 4.7513% | 2,847 |
| Cash dividends to net income (ytd only)* | 43.8186% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 690 |
| Loan loss allowance to noncurrent loans | 2,068.4435% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 4,425 |
| Noncurrent loans to loans | 0.0878% | 4,355 |
| Net loans and leases to total assets | 54.6612% | 4,156 |
| Net loans and leases to deposits | 64.5723% | 4,148 |
| Net loans and leases to core deposits | 65.1746% | 4,317 |
| Total domestic deposits to total assets | 84.6512% | 2,800 |
| Equity capital to assets | 10.6242% | 3,233 |
| Core capital (leverage) ratio | 10.6929% | 2,854 |
| Tier 1 risk-based capital ratio | 14.5486% | 3,085 |
| Total risk-based capital ratio | 15.8006% | 3,006 |
| Memoranda: | ||
| Average total assets | $961,005,500 | 814 |
| Average earning assets | $909,682,500 | 793 |
| Average equity | $99,991,000 | 888 |
| Average total loans | $536,906,000 | 1,006 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,507 |
| Cost of funding earning assets | 0.2843% | 4,641 |
| Net interest margin | 3.5066% | 3,683 |
| Noninterest income to average assets | 1.1219% | 734 |
| Noninterest expense to average assets | 2.8248% | 2,601 |
| Loan and lease loss provision to assets | 0.0541% | 3,090 |
| Net operating income to assets | 1.4535% | 1,261 |
| Return on assets (ROA) | 1.4542% | 1,249 |
| Pretax return on assets | 1.5575% | 1,600 |
| Return on Equity (ROE) | 14.4003% | 958 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,143 |
| Net charge-offs to loans | -0.0441% | 4,937 |
| Credit loss provision to net charge-offs | -217.3913% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4711% | 3,269 |
| Assets per employee ($millions) | 4.8112% | 2,723 |
| Cash dividends to net income (ytd only)* | 42.8944% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 686 |
| Loan loss allowance to noncurrent loans | 2,017.2917% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,432 |
| Noncurrent loans to loans | 0.0890% | 4,351 |
| Net loans and leases to total assets | 55.0596% | 4,203 |
| Net loans and leases to deposits | 65.3060% | 4,169 |
| Net loans and leases to core deposits | 65.8873% | 4,364 |
| Total domestic deposits to total assets | 84.3102% | 2,906 |
| Equity capital to assets | 10.1860% | 3,484 |
| Core capital (leverage) ratio | 10.2103% | 3,347 |
| Tier 1 risk-based capital ratio | 14.1241% | 3,234 |
| Total risk-based capital ratio | 15.3759% | 3,168 |
| Memoranda: | ||
| Average total assets | $923,713,200 | 829 |
| Average earning assets | $872,926,800 | 809 |
| Average equity | $93,282,600 | 906 |
| Average total loans | $522,075,000 | 1,003 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,655 |
| Cost of funding earning assets | 0.2465% | 4,808 |
| Net interest margin | 3.4517% | 3,857 |
| Noninterest income to average assets | 1.0813% | 805 |
| Noninterest expense to average assets | 2.8007% | 2,628 |
| Loan and lease loss provision to assets | 0.0365% | 3,276 |
| Net operating income to assets | 1.4966% | 1,203 |
| Return on assets (ROA) | 1.4976% | 1,196 |
| Pretax return on assets | 1.5117% | 1,863 |
| Return on Equity (ROE) | 14.8632% | 902 |
| Retained earnings to average equity (ytd only) | 8.0736% | 1,607 |
| Net charge-offs to loans | -0.0461% | 4,903 |
| Credit loss provision to net charge-offs | -139.6648% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2344% | 3,144 |
| Assets per employee ($millions) | 4.9043% | 2,595 |
| Cash dividends to net income (ytd only)* | 45.6804% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 709 |
| Loan loss allowance to noncurrent loans | 1,804.2308% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,569 |
| Noncurrent loans to loans | 0.1003% | 4,436 |
| Net loans and leases to total assets | 51.3746% | 4,506 |
| Net loans and leases to deposits | 60.2760% | 4,532 |
| Net loans and leases to core deposits | 60.7914% | 4,671 |
| Total domestic deposits to total assets | 85.2323% | 2,515 |
| Equity capital to assets | 9.4099% | 4,173 |
| Core capital (leverage) ratio | 10.1583% | 3,457 |
| Tier 1 risk-based capital ratio | 14.5226% | 3,117 |
| Total risk-based capital ratio | 15.7746% | 3,024 |
| Memoranda: | ||
| Average total assets | $914,081,250 | 833 |
| Average earning assets | $865,053,750 | 814 |
| Average equity | $92,099,750 | 911 |
| Average total loans | $517,721,500 | 1,007 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,604 |
| Cost of funding earning assets | 0.2119% | 4,965 |
| Net interest margin | 3.4783% | 3,706 |
| Noninterest income to average assets | 1.1101% | 778 |
| Noninterest expense to average assets | 2.8831% | 2,399 |
| Loan and lease loss provision to assets | 0.0563% | 2,785 |
| Net operating income to assets | 1.6249% | 867 |
| Return on assets (ROA) | 1.6265% | 862 |
| Pretax return on assets | 1.4568% | 1,968 |
| Return on Equity (ROE) | 15.7556% | 719 |
| Retained earnings to average equity (ytd only) | 7.8822% | 1,678 |
| Net charge-offs to loans | -0.0460% | 4,893 |
| Credit loss provision to net charge-offs | -210.0840% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4938% | 3,062 |
| Assets per employee ($millions) | 4.5446% | 3,063 |
| Cash dividends to net income (ytd only)* | 49.9723% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 743 |
| Loan loss allowance to noncurrent loans | 1,707.3260% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,576 |
| Noncurrent loans to loans | 0.1060% | 4,439 |
| Net loans and leases to total assets | 54.2958% | 4,314 |
| Net loans and leases to deposits | 64.8344% | 4,226 |
| Net loans and leases to core deposits | 65.4646% | 4,399 |
| Total domestic deposits to total assets | 83.7453% | 3,152 |
| Equity capital to assets | 9.9289% | 3,694 |
| Core capital (leverage) ratio | 10.6365% | 2,881 |
| Tier 1 risk-based capital ratio | 14.2441% | 3,239 |
| Total risk-based capital ratio | 15.4961% | 3,159 |
| Memoranda: | ||
| Average total assets | $888,551,000 | 861 |
| Average earning assets | $839,041,330 | 840 |
| Average equity | $91,726,000 | 913 |
| Average total loans | $517,516,670 | 1,010 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,469 |
| Cost of funding earning assets | 0.1913% | 5,069 |
| Net interest margin | 3.5075% | 3,505 |
| Noninterest income to average assets | 1.1156% | 753 |
| Noninterest expense to average assets | 2.9139% | 2,310 |
| Loan and lease loss provision to assets | 0.1153% | 1,640 |
| Net operating income to assets | 2.0886% | 303 |
| Return on assets (ROA) | 2.0886% | 304 |
| Pretax return on assets | 1.4030% | 1,985 |
| Return on Equity (ROE) | 19.8252% | 256 |
| Retained earnings to average equity (ytd only) | 8.5046% | 1,662 |
| Net charge-offs to loans | -0.0779% | 5,141 |
| Credit loss provision to net charge-offs | -247.5248% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7437% | 3,220 |
| Assets per employee ($millions) | 4.3347% | 3,421 |
| Cash dividends to net income (ytd only)* | 57.1018% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 774 |
| Loan loss allowance to noncurrent loans | 1,593.1507% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,601 |
| Noncurrent loans to loans | 0.1136% | 4,458 |
| Net loans and leases to total assets | 57.6462% | 3,974 |
| Net loans and leases to deposits | 68.4113% | 3,919 |
| Net loans and leases to core deposits | 69.1227% | 4,137 |
| Total domestic deposits to total assets | 84.2642% | 3,211 |
| Equity capital to assets | 10.4484% | 3,125 |
| Core capital (leverage) ratio | 10.9704% | 2,470 |
| Tier 1 risk-based capital ratio | 14.2500% | 3,252 |
| Total risk-based capital ratio | 15.5022% | 3,174 |
| Memoranda: | ||
| Average total assets | $867,009,500 | 886 |
| Average earning assets | $819,845,000 | 866 |
| Average equity | $91,338,500 | 921 |
| Average total loans | $518,695,000 | 1,011 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 4,477 |
| Cost of funding earning assets | 0.1420% | 5,310 |
| Net interest margin | 3.4981% | 3,538 |
| Noninterest income to average assets | 1.1742% | 748 |
| Noninterest expense to average assets | 2.9690% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4672% | 875 |
| Return on assets (ROA) | 1.4696% | 881 |
| Pretax return on assets | 1.5095% | 1,601 |
| Return on Equity (ROE) | 13.7816% | 792 |
| Retained earnings to average equity (ytd only) | 4.2501% | 2,610 |
| Net charge-offs to loans | 0.0362% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 68.5882% | 868 |
| Efficiency ratio | 66.3307% | 3,200 |
| Assets per employee ($millions) | 4.2920% | 3,496 |
| Cash dividends to net income (ytd only)* | 69.1613% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 927 |
| Loan loss allowance to noncurrent loans | 1,460.5220% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,616 |
| Noncurrent loans to loans | 0.1171% | 4,456 |
| Net loans and leases to total assets | 59.9222% | 3,840 |
| Net loans and leases to deposits | 72.1069% | 3,691 |
| Net loans and leases to core deposits | 73.0166% | 3,969 |
| Total domestic deposits to total assets | 83.1018% | 3,526 |
| Equity capital to assets | 10.6231% | 3,024 |
| Core capital (leverage) ratio | 10.7587% | 2,580 |
| Tier 1 risk-based capital ratio | 13.9103% | 3,413 |
| Total risk-based capital ratio | 15.1618% | 3,322 |
| Memoranda: | ||
| Average total assets | $851,058,600 | 874 |
| Average earning assets | $803,313,200 | 857 |
| Average equity | $90,751,600 | 899 |
| Average total loans | $516,182,800 | 991 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 4,534 |
| Cost of funding earning assets | 0.1353% | 5,396 |
| Net interest margin | 3.4744% | 3,589 |
| Noninterest income to average assets | 1.1869% | 733 |
| Noninterest expense to average assets | 2.9177% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5059% | 883 |
| Return on assets (ROA) | 1.5030% | 915 |
| Pretax return on assets | 1.5436% | 1,603 |
| Return on Equity (ROE) | 14.0814% | 816 |
| Retained earnings to average equity (ytd only) | 3.7568% | 3,686 |
| Net charge-offs to loans | -0.0013% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3561% | 3,319 |
| Assets per employee ($millions) | 4.1598% | 3,722 |
| Cash dividends to net income (ytd only)* | 73.3208% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 978 |
| Loan loss allowance to noncurrent loans | 9,331.6327% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,990 |
| Noncurrent loans to loans | 0.0185% | 5,055 |
| Net loans and leases to total assets | 62.7749% | 3,570 |
| Net loans and leases to deposits | 75.9703% | 3,379 |
| Net loans and leases to core deposits | 76.8446% | 3,741 |
| Total domestic deposits to total assets | 82.6309% | 3,577 |
| Equity capital to assets | 11.2038% | 2,667 |
| Core capital (leverage) ratio | 10.5271% | 2,959 |
| Tier 1 risk-based capital ratio | 13.6811% | 3,592 |
| Total risk-based capital ratio | 14.9330% | 3,520 |
| Memoranda: | ||
| Average total assets | $849,223,250 | 885 |
| Average earning assets | $801,073,250 | 862 |
| Average equity | $90,642,250 | 903 |
| Average total loans | $514,397,250 | 998 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,820 |
| Cost of funding earning assets | 0.1248% | 5,479 |
| Net interest margin | 3.3520% | 3,941 |
| Noninterest income to average assets | 1.1740% | 734 |
| Noninterest expense to average assets | 2.8366% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4579% | 937 |
| Return on assets (ROA) | 1.4545% | 967 |
| Pretax return on assets | 1.4947% | 1,659 |
| Return on Equity (ROE) | 13.8490% | 840 |
| Retained earnings to average equity (ytd only) | 2.6439% | 4,118 |
| Net charge-offs to loans | -0.0016% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4383% | 3,445 |
| Assets per employee ($millions) | 4.4019% | 3,268 |
| Cash dividends to net income (ytd only)* | 80.9088% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 935 |
| Loan loss allowance to noncurrent loans | 7,951.3043% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,030 |
| Noncurrent loans to loans | 0.0223% | 5,076 |
| Net loans and leases to total assets | 58.6713% | 3,959 |
| Net loans and leases to deposits | 69.2636% | 3,962 |
| Net loans and leases to core deposits | 69.9606% | 4,235 |
| Total domestic deposits to total assets | 84.7072% | 2,930 |
| Equity capital to assets | 10.6112% | 3,214 |
| Core capital (leverage) ratio | 10.4855% | 2,934 |
| Tier 1 risk-based capital ratio | 13.5820% | 3,653 |
| Total risk-based capital ratio | 14.8339% | 3,567 |
| Memoranda: | ||
| Average total assets | $856,367,000 | 883 |
| Average earning assets | $807,523,000 | 862 |
| Average equity | $89,941,670 | 910 |
| Average total loans | $509,599,330 | 1,000 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,941 |
| Cost of funding earning assets | 0.1229% | 5,542 |
| Net interest margin | 3.2692% | 4,118 |
| Noninterest income to average assets | 1.1491% | 766 |
| Noninterest expense to average assets | 2.7877% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4007% | 1,001 |
| Return on assets (ROA) | 1.3939% | 1,040 |
| Pretax return on assets | 1.4347% | 1,750 |
| Return on Equity (ROE) | 13.3412% | 936 |
| Retained earnings to average equity (ytd only) | 5.6946% | 2,496 |
| Net charge-offs to loans | 0.0032% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 768.7500% | 63 |
| Efficiency ratio | 65.9129% | 3,514 |
| Assets per employee ($millions) | 4.4197% | 3,295 |
| Cash dividends to net income (ytd only)* | 57.3158% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 969 |
| Loan loss allowance to noncurrent loans | 3,611.0672% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,011 |
| Noncurrent loans to loans | 0.0496% | 4,991 |
| Net loans and leases to total assets | 58.3735% | 3,940 |
| Net loans and leases to deposits | 69.2086% | 3,877 |
| Net loans and leases to core deposits | 69.9360% | 4,153 |
| Total domestic deposits to total assets | 84.3442% | 3,343 |
| Equity capital to assets | 10.5047% | 3,184 |
| Core capital (leverage) ratio | 10.3882% | 3,020 |
| Tier 1 risk-based capital ratio | 13.9309% | 3,521 |
| Total risk-based capital ratio | 15.1833% | 3,432 |
| Memoranda: | ||
| Average total assets | $853,165,500 | 889 |
| Average earning assets | $803,872,000 | 872 |
| Average equity | $89,137,500 | 917 |
| Average total loans | $506,728,000 | 1,004 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 5,255 |
| Cost of funding earning assets | 0.1288% | 5,558 |
| Net interest margin | 3.1027% | 4,718 |
| Noninterest income to average assets | 1.0872% | 957 |
| Noninterest expense to average assets | 2.7506% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2301% | 1,409 |
| Return on assets (ROA) | 1.2837% | 1,325 |
| Pretax return on assets | 1.3244% | 2,200 |
| Return on Equity (ROE) | 12.2273% | 1,184 |
| Retained earnings to average equity (ytd only) | 4.7440% | 2,519 |
| Net charge-offs to loans | 0.0678% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.6078% | 1,356 |
| Efficiency ratio | 68.4273% | 3,169 |
| Assets per employee ($millions) | 4.3758% | 3,321 |
| Cash dividends to net income (ytd only)* | 61.2019% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 926 |
| Loan loss allowance to noncurrent loans | 5,134.8315% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 5,104 |
| Noncurrent loans to loans | 0.0353% | 5,117 |
| Net loans and leases to total assets | 58.2716% | 4,040 |
| Net loans and leases to deposits | 69.4475% | 3,967 |
| Net loans and leases to core deposits | 70.1887% | 4,226 |
| Total domestic deposits to total assets | 83.9074% | 3,456 |
| Equity capital to assets | 10.3905% | 3,288 |
| Core capital (leverage) ratio | 10.2503% | 3,171 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,589 |
| Total risk-based capital ratio | 15.0401% | 3,492 |
| Memoranda: | ||
| Average total assets | $858,137,000 | 847 |
| Average earning assets | $811,074,200 | 820 |
| Average equity | $90,093,600 | 886 |
| Average total loans | $492,588,000 | 986 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2126% | 5,347 |
| Cost of funding earning assets | 0.1299% | 5,616 |
| Net interest margin | 3.0827% | 4,819 |
| Noninterest income to average assets | 1.0869% | 961 |
| Noninterest expense to average assets | 2.7229% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2431% | 1,480 |
| Return on assets (ROA) | 1.3143% | 1,332 |
| Pretax return on assets | 1.3546% | 2,219 |
| Return on Equity (ROE) | 12.4871% | 1,177 |
| Retained earnings to average equity (ytd only) | 4.6727% | 3,042 |
| Net charge-offs to loans | 0.0327% | 2,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 68.8983% | 866 |
| Efficiency ratio | 68.0031% | 3,227 |
| Assets per employee ($millions) | 4.5720% | 2,967 |
| Cash dividends to net income (ytd only)* | 62.5796% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 890 |
| Loan loss allowance to noncurrent loans | 15,590.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,269 |
| Noncurrent loans to loans | 0.0120% | 5,354 |
| Net loans and leases to total assets | 55.7765% | 4,330 |
| Net loans and leases to deposits | 66.6124% | 4,290 |
| Net loans and leases to core deposits | 67.3004% | 4,526 |
| Total domestic deposits to total assets | 83.7329% | 3,305 |
| Equity capital to assets | 10.5764% | 3,482 |
| Core capital (leverage) ratio | 10.0448% | 3,512 |
| Tier 1 risk-based capital ratio | 13.8577% | 3,632 |
| Total risk-based capital ratio | 15.1109% | 3,557 |
| Memoranda: | ||
| Average total assets | $860,445,750 | 843 |
| Average earning assets | $814,236,000 | 818 |
| Average equity | $90,565,750 | 891 |
| Average total loans | $489,782,750 | 996 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 5,424 |
| Cost of funding earning assets | 0.1316% | 5,677 |
| Net interest margin | 3.0716% | 4,912 |
| Noninterest income to average assets | 1.0830% | 959 |
| Noninterest expense to average assets | 2.7157% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2370% | 1,472 |
| Return on assets (ROA) | 1.3444% | 1,250 |
| Pretax return on assets | 1.3842% | 2,083 |
| Return on Equity (ROE) | 12.7941% | 1,083 |
| Retained earnings to average equity (ytd only) | 4.8549% | 2,817 |
| Net charge-offs to loans | 0.0497% | 2,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 44.9752% | 1,071 |
| Efficiency ratio | 68.0765% | 3,330 |
| Assets per employee ($millions) | 4.5184% | 2,989 |
| Cash dividends to net income (ytd only)* | 62.0540% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 1,050 |
| Loan loss allowance to noncurrent loans | 6,362.5850% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,314 |
| Noncurrent loans to loans | 0.0286% | 5,354 |
| Net loans and leases to total assets | 59.4130% | 3,960 |
| Net loans and leases to deposits | 71.4043% | 3,843 |
| Net loans and leases to core deposits | 72.1753% | 4,159 |
| Total domestic deposits to total assets | 83.2065% | 3,572 |
| Equity capital to assets | 10.8702% | 3,204 |
| Core capital (leverage) ratio | 10.1204% | 3,426 |
| Tier 1 risk-based capital ratio | 13.5673% | 3,859 |
| Total risk-based capital ratio | 14.8204% | 3,777 |
| Memoranda: | ||
| Average total assets | $854,650,670 | 851 |
| Average earning assets | $808,636,330 | 822 |
| Average equity | $89,806,670 | 896 |
| Average total loans | $486,718,000 | 1,003 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 5,536 |
| Cost of funding earning assets | 0.1331% | 5,734 |
| Net interest margin | 3.0264% | 5,054 |
| Noninterest income to average assets | 1.0200% | 1,033 |
| Noninterest expense to average assets | 2.7021% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1486% | 1,716 |
| Return on assets (ROA) | 1.2486% | 1,511 |
| Pretax return on assets | 1.2864% | 2,362 |
| Return on Equity (ROE) | 12.0892% | 1,291 |
| Retained earnings to average equity (ytd only) | 3.7406% | 3,622 |
| Net charge-offs to loans | -0.0144% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5449% | 3,205 |
| Assets per employee ($millions) | 4.5323% | 3,010 |
| Cash dividends to net income (ytd only)* | 69.0583% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 824 |
| Loan loss allowance to noncurrent loans | 5,717.4699% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 5,356 |
| Noncurrent loans to loans | 0.0349% | 5,356 |
| Net loans and leases to total assets | 53.7993% | 4,468 |
| Net loans and leases to deposits | 64.3743% | 4,407 |
| Net loans and leases to core deposits | 65.1379% | 4,609 |
| Total domestic deposits to total assets | 83.5726% | 3,685 |
| Equity capital to assets | 10.4064% | 3,606 |
| Core capital (leverage) ratio | 9.7803% | 3,802 |
| Tier 1 risk-based capital ratio | 14.1739% | 3,585 |
| Total risk-based capital ratio | 15.4284% | 3,508 |
| Memoranda: | ||
| Average total assets | $857,250,000 | 852 |
| Average earning assets | $811,661,500 | 819 |
| Average equity | $88,541,500 | 903 |
| Average total loans | $473,058,000 | 1,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 5,096 |
| Cost of funding earning assets | 0.1440% | 5,721 |
| Net interest margin | 3.2862% | 4,347 |
| Noninterest income to average assets | 1.1105% | 952 |
| Noninterest expense to average assets | 2.8750% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3019% | 1,267 |
| Return on assets (ROA) | 1.3106% | 1,295 |
| Pretax return on assets | 1.3495% | 2,099 |
| Return on Equity (ROE) | 11.9449% | 1,312 |
| Retained earnings to average equity (ytd only) | 2.8481% | 4,041 |
| Net charge-offs to loans | 0.1047% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 21.0120% | 1,842 |
| Efficiency ratio | 68.1993% | 3,528 |
| Assets per employee ($millions) | 4.3981% | 3,220 |
| Cash dividends to net income (ytd only)* | 76.1562% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 786 |
| Loan loss allowance to noncurrent loans | 4,386.1111% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 5,296 |
| Noncurrent loans to loans | 0.0459% | 5,334 |
| Net loans and leases to total assets | 54.3603% | 4,471 |
| Net loans and leases to deposits | 64.1204% | 4,461 |
| Net loans and leases to core deposits | 65.0294% | 4,669 |
| Total domestic deposits to total assets | 84.7785% | 3,181 |
| Equity capital to assets | 10.2492% | 3,683 |
| Core capital (leverage) ratio | 10.0308% | 3,466 |
| Tier 1 risk-based capital ratio | 14.1475% | 3,639 |
| Total risk-based capital ratio | 15.4022% | 3,550 |
| Memoranda: | ||
| Average total assets | $783,680,400 | 882 |
| Average earning assets | $740,485,200 | 858 |
| Average equity | $85,986,200 | 886 |
| Average total loans | $477,342,600 | 976 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 5,011 |
| Cost of funding earning assets | 0.1455% | 5,817 |
| Net interest margin | 3.3392% | 4,181 |
| Noninterest income to average assets | 1.1339% | 933 |
| Noninterest expense to average assets | 2.9144% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3360% | 1,253 |
| Return on assets (ROA) | 1.3444% | 1,281 |
| Pretax return on assets | 1.3830% | 2,085 |
| Return on Equity (ROE) | 12.0340% | 1,366 |
| Retained earnings to average equity (ytd only) | 1.2815% | 5,205 |
| Net charge-offs to loans | 0.1061% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.7610% | 1,855 |
| Efficiency ratio | 67.9550% | 3,547 |
| Assets per employee ($millions) | 4.1523% | 3,615 |
| Cash dividends to net income (ytd only)* | 89.3513% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 929 |
| Loan loss allowance to noncurrent loans | 5,513.2184% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 5,367 |
| Noncurrent loans to loans | 0.0360% | 5,476 |
| Net loans and leases to total assets | 59.3602% | 3,956 |
| Net loans and leases to deposits | 71.6705% | 3,808 |
| Net loans and leases to core deposits | 72.7443% | 4,123 |
| Total domestic deposits to total assets | 82.8238% | 3,874 |
| Equity capital to assets | 10.8854% | 3,143 |
| Core capital (leverage) ratio | 10.3145% | 3,239 |
| Tier 1 risk-based capital ratio | 13.8650% | 3,924 |
| Total risk-based capital ratio | 15.1198% | 3,868 |
| Memoranda: | ||
| Average total assets | $767,391,000 | 904 |
| Average earning assets | $725,027,750 | 883 |
| Average equity | $85,733,000 | 893 |
| Average total loans | $478,952,000 | 972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 4,930 |
| Cost of funding earning assets | 0.1474% | 5,867 |
| Net interest margin | 3.3734% | 3,995 |
| Noninterest income to average assets | 1.1095% | 984 |
| Noninterest expense to average assets | 2.9465% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3090% | 1,296 |
| Return on assets (ROA) | 1.3218% | 1,307 |
| Pretax return on assets | 1.3614% | 2,143 |
| Return on Equity (ROE) | 11.7260% | 1,462 |
| Retained earnings to average equity (ytd only) | -0.1241% | 5,531 |
| Net charge-offs to loans | 0.0850% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.1527% | 1,535 |
| Efficiency ratio | 68.6074% | 3,572 |
| Assets per employee ($millions) | 4.0212% | 3,841 |
| Cash dividends to net income (ytd only)* | 101.0587% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 928 |
| Loan loss allowance to noncurrent loans | 1,517.2360% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,876 |
| Noncurrent loans to loans | 0.1343% | 5,210 |
| Net loans and leases to total assets | 61.8098% | 3,579 |
| Net loans and leases to deposits | 74.9759% | 3,385 |
| Net loans and leases to core deposits | 76.1086% | 3,756 |
| Total domestic deposits to total assets | 82.4396% | 4,139 |
| Equity capital to assets | 11.1170% | 2,755 |
| Core capital (leverage) ratio | 10.3851% | 3,099 |
| Tier 1 risk-based capital ratio | 13.7355% | 4,074 |
| Total risk-based capital ratio | 14.9907% | 4,011 |
| Memoranda: | ||
| Average total assets | $757,441,670 | 920 |
| Average earning assets | $715,184,000 | 899 |
| Average equity | $85,383,000 | 900 |
| Average total loans | $477,657,330 | 977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5236% | 4,901 |
| Cost of funding earning assets | 0.1484% | 5,941 |
| Net interest margin | 3.3752% | 3,933 |
| Noninterest income to average assets | 1.0786% | 971 |
| Noninterest expense to average assets | 2.9168% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3095% | 1,239 |
| Return on assets (ROA) | 1.3352% | 1,242 |
| Pretax return on assets | 1.3759% | 1,975 |
| Return on Equity (ROE) | 11.7629% | 1,408 |
| Retained earnings to average equity (ytd only) | 3.2996% | 4,002 |
| Net charge-offs to loans | -0.0235% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3695% | 3,764 |
| Assets per employee ($millions) | 4.0273% | 3,903 |
| Cash dividends to net income (ytd only)* | 71.9493% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 911 |
| Loan loss allowance to noncurrent loans | 7,300.7299% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 5,001 |
| Noncurrent loans to loans | 0.0290% | 5,689 |
| Net loans and leases to total assets | 61.1580% | 3,504 |
| Net loans and leases to deposits | 74.3802% | 3,256 |
| Net loans and leases to core deposits | 75.6512% | 3,628 |
| Total domestic deposits to total assets | 82.2234% | 4,449 |
| Equity capital to assets | 11.4977% | 2,462 |
| Core capital (leverage) ratio | 11.1282% | 2,287 |
| Tier 1 risk-based capital ratio | 14.1869% | 3,888 |
| Total risk-based capital ratio | 15.4430% | 3,812 |
| Memoranda: | ||
| Average total assets | $756,160,500 | 919 |
| Average earning assets | $714,152,500 | 903 |
| Average equity | $85,829,500 | 897 |
| Average total loans | $476,722,000 | 975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 5,281 |
| Cost of funding earning assets | 0.1623% | 6,030 |
| Net interest margin | 3.3542% | 4,393 |
| Noninterest income to average assets | 1.0495% | 1,107 |
| Noninterest expense to average assets | 2.8375% | 3,351 |
| Loan and lease loss provision to assets | 0.0013% | 4,584 |
| Net operating income to assets | 1.3257% | 1,250 |
| Return on assets (ROA) | 1.3562% | 1,223 |
| Pretax return on assets | 1.3949% | 1,903 |
| Return on Equity (ROE) | 12.8521% | 1,173 |
| Retained earnings to average equity (ytd only) | 3.7733% | 3,535 |
| Net charge-offs to loans | -0.0383% | 5,850 |
| Credit loss provision to net charge-offs | -5.6497% | 5,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5230% | 3,981 |
| Assets per employee ($millions) | 4.0601% | 3,808 |
| Cash dividends to net income (ytd only)* | 70.6403% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0762% | 987 |
| Loan loss allowance to noncurrent loans | 3,475.2613% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,919 |
| Noncurrent loans to loans | 0.0597% | 5,640 |
| Net loans and leases to total assets | 62.2919% | 3,464 |
| Net loans and leases to deposits | 76.3873% | 3,160 |
| Net loans and leases to core deposits | 77.8468% | 3,537 |
| Total domestic deposits to total assets | 81.5474% | 4,578 |
| Equity capital to assets | 11.2033% | 2,689 |
| Core capital (leverage) ratio | 10.2933% | 3,182 |
| Tier 1 risk-based capital ratio | 14.4728% | 3,793 |
| Total risk-based capital ratio | 15.7296% | 3,725 |
| Memoranda: | ||
| Average total assets | $767,000,800 | 885 |
| Average earning assets | $720,950,400 | 849 |
| Average equity | $80,936,400 | 909 |
| Average total loans | $462,261,000 | 960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 5,421 |
| Cost of funding earning assets | 0.1617% | 6,114 |
| Net interest margin | 3.3263% | 4,521 |
| Noninterest income to average assets | 1.0622% | 1,091 |
| Noninterest expense to average assets | 2.7748% | 3,559 |
| Loan and lease loss provision to assets | 0.0017% | 4,374 |
| Net operating income to assets | 1.3717% | 1,191 |
| Return on assets (ROA) | 1.4120% | 1,145 |
| Pretax return on assets | 1.4506% | 1,804 |
| Return on Equity (ROE) | 13.5864% | 1,077 |
| Retained earnings to average equity (ytd only) | 1.3430% | 5,361 |
| Net charge-offs to loans | -0.0536% | 5,934 |
| Credit loss provision to net charge-offs | -5.4348% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2943% | 4,169 |
| Assets per employee ($millions) | 4.3939% | 3,138 |
| Cash dividends to net income (ytd only)* | 90.1153% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 1,079 |
| Loan loss allowance to noncurrent loans | 1,897.5285% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 5,152 |
| Noncurrent loans to loans | 0.1110% | 5,596 |
| Net loans and leases to total assets | 57.9850% | 4,074 |
| Net loans and leases to deposits | 69.5437% | 3,969 |
| Net loans and leases to core deposits | 70.8515% | 4,255 |
| Total domestic deposits to total assets | 83.3792% | 4,002 |
| Equity capital to assets | 10.2186% | 3,909 |
| Core capital (leverage) ratio | 10.1848% | 3,431 |
| Tier 1 risk-based capital ratio | 14.0248% | 4,199 |
| Total risk-based capital ratio | 15.2814% | 4,129 |
| Memoranda: | ||
| Average total assets | $769,954,750 | 884 |
| Average earning assets | $722,986,000 | 851 |
| Average equity | $80,019,000 | 921 |
| Average total loans | $457,728,000 | 969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 5,419 |
| Cost of funding earning assets | 0.1626% | 6,174 |
| Net interest margin | 3.3324% | 4,465 |
| Noninterest income to average assets | 1.0439% | 1,090 |
| Noninterest expense to average assets | 2.7759% | 3,592 |
| Loan and lease loss provision to assets | 0.0026% | 4,162 |
| Net operating income to assets | 1.3499% | 1,186 |
| Return on assets (ROA) | 1.3915% | 1,130 |
| Pretax return on assets | 1.4312% | 1,777 |
| Return on Equity (ROE) | 13.3110% | 1,095 |
| Retained earnings to average equity (ytd only) | -0.6318% | 5,801 |
| Net charge-offs to loans | -0.0964% | 6,130 |
| Credit loss provision to net charge-offs | -4.5872% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6183% | 4,259 |
| Assets per employee ($millions) | 4.0081% | 3,823 |
| Cash dividends to net income (ytd only)* | 104.7466% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1562% | 1,079 |
| Loan loss allowance to noncurrent loans | 2,158.4052% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,248 |
| Noncurrent loans to loans | 0.0999% | 5,720 |
| Net loans and leases to total assets | 58.7490% | 3,891 |
| Net loans and leases to deposits | 71.8389% | 3,592 |
| Net loans and leases to core deposits | 73.2357% | 3,927 |
| Total domestic deposits to total assets | 81.7788% | 4,725 |
| Equity capital to assets | 10.4418% | 3,512 |
| Core capital (leverage) ratio | 10.0913% | 3,483 |
| Tier 1 risk-based capital ratio | 13.9348% | 4,290 |
| Total risk-based capital ratio | 15.1918% | 4,233 |
| Memoranda: | ||
| Average total assets | $760,042,670 | 896 |
| Average earning assets | $712,278,330 | 863 |
| Average equity | $79,453,000 | 916 |
| Average total loans | $452,410,000 | 975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 5,464 |
| Cost of funding earning assets | 0.1610% | 6,291 |
| Net interest margin | 3.3236% | 4,448 |
| Noninterest income to average assets | 1.0126% | 1,107 |
| Noninterest expense to average assets | 2.7453% | 3,777 |
| Loan and lease loss provision to assets | 0.0053% | 3,750 |
| Net operating income to assets | 1.3466% | 1,109 |
| Return on assets (ROA) | 1.3642% | 1,114 |
| Pretax return on assets | 1.4050% | 1,725 |
| Return on Equity (ROE) | 13.0418% | 1,150 |
| Retained earnings to average equity (ytd only) | 4.5943% | 3,366 |
| Net charge-offs to loans | -0.0260% | 5,483 |
| Credit loss provision to net charge-offs | -34.4828% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3501% | 4,476 |
| Assets per employee ($millions) | 4.1851% | 3,559 |
| Cash dividends to net income (ytd only)* | 64.7723% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 1,183 |
| Loan loss allowance to noncurrent loans | 2,565.5352% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,454 |
| Noncurrent loans to loans | 0.0853% | 5,878 |
| Net loans and leases to total assets | 57.6715% | 3,904 |
| Net loans and leases to deposits | 70.5391% | 3,531 |
| Net loans and leases to core deposits | 71.9609% | 3,874 |
| Total domestic deposits to total assets | 81.7582% | 5,012 |
| Equity capital to assets | 10.5544% | 3,199 |
| Core capital (leverage) ratio | 10.5486% | 2,873 |
| Tier 1 risk-based capital ratio | 14.4384% | 4,036 |
| Total risk-based capital ratio | 15.6955% | 3,991 |
| Memoranda: | ||
| Average total assets | $753,285,500 | 908 |
| Average earning assets | $708,266,500 | 875 |
| Average equity | $78,793,000 | 927 |
| Average total loans | $446,379,000 | 986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 5,814 |
| Cost of funding earning assets | 0.1809% | 6,385 |
| Net interest margin | 3.2333% | 4,883 |
| Noninterest income to average assets | 1.1287% | 1,101 |
| Noninterest expense to average assets | 2.7351% | 3,975 |
| Loan and lease loss provision to assets | 0.0434% | 4,256 |
| Net operating income to assets | 1.3057% | 1,235 |
| Return on assets (ROA) | 1.3640% | 1,148 |
| Pretax return on assets | 1.4046% | 1,762 |
| Return on Equity (ROE) | 13.1069% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.9764% | 1,987 |
| Net charge-offs to loans | 0.0205% | 5,023 |
| Credit loss provision to net charge-offs | 372.7273% | 616 |
| Earnings coverage of net charge-offs (x) | 119.1023% | 395 |
| Efficiency ratio | 66.3380% | 4,503 |
| Assets per employee ($millions) | 4.0483% | 3,764 |
| Cash dividends to net income (ytd only)* | 54.4025% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2060% | 1,167 |
| Loan loss allowance to noncurrent loans | 752.2675% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 5,090 |
| Noncurrent loans to loans | 0.2932% | 5,302 |
| Net loans and leases to total assets | 58.2465% | 3,996 |
| Net loans and leases to deposits | 71.9705% | 3,525 |
| Net loans and leases to core deposits | 73.3968% | 3,909 |
| Total domestic deposits to total assets | 80.9310% | 5,202 |
| Equity capital to assets | 10.3633% | 3,327 |
| Core capital (leverage) ratio | 9.8175% | 3,819 |
| Tier 1 risk-based capital ratio | 14.5096% | 3,950 |
| Total risk-based capital ratio | 15.7669% | 3,877 |
| Memoranda: | ||
| Average total assets | $755,188,400 | 884 |
| Average earning assets | $699,342,800 | 862 |
| Average equity | $78,592,000 | 908 |
| Average total loans | $428,949,400 | 1,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 5,930 |
| Cost of funding earning assets | 0.1819% | 6,491 |
| Net interest margin | 3.1954% | 5,015 |
| Noninterest income to average assets | 1.1449% | 1,115 |
| Noninterest expense to average assets | 2.7028% | 4,010 |
| Loan and lease loss provision to assets | 0.0560% | 3,934 |
| Net operating income to assets | 1.2989% | 1,355 |
| Return on assets (ROA) | 1.3735% | 1,211 |
| Pretax return on assets | 1.4118% | 1,897 |
| Return on Equity (ROE) | 13.1842% | 1,196 |
| Retained earnings to average equity (ytd only) | 4.7849% | 3,247 |
| Net charge-offs to loans | 0.0451% | 4,262 |
| Credit loss provision to net charge-offs | 220.8333% | 1,103 |
| Earnings coverage of net charge-offs (x) | 54.8945% | 807 |
| Efficiency ratio | 66.0234% | 4,471 |
| Assets per employee ($millions) | 4.5411% | 2,816 |
| Cash dividends to net income (ytd only)* | 63.7074% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2605% | 1,235 |
| Loan loss allowance to noncurrent loans | 500.0514% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 5,357 |
| Noncurrent loans to loans | 0.4521% | 5,062 |
| Net loans and leases to total assets | 51.9987% | 4,872 |
| Net loans and leases to deposits | 62.7110% | 4,668 |
| Net loans and leases to core deposits | 63.9107% | 4,914 |
| Total domestic deposits to total assets | 82.9180% | 4,612 |
| Equity capital to assets | 9.5507% | 4,486 |
| Core capital (leverage) ratio | 9.8805% | 3,846 |
| Tier 1 risk-based capital ratio | 14.3834% | 4,160 |
| Total risk-based capital ratio | 15.6408% | 4,111 |
| Memoranda: | ||
| Average total assets | $757,764,000 | 889 |
| Average earning assets | $699,288,000 | 867 |
| Average equity | $78,941,250 | 913 |
| Average total loans | $425,272,500 | 1,010 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 5,783 |
| Cost of funding earning assets | 0.1871% | 6,539 |
| Net interest margin | 3.2671% | 4,700 |
| Noninterest income to average assets | 1.1613% | 1,131 |
| Noninterest expense to average assets | 2.7517% | 3,851 |
| Loan and lease loss provision to assets | 0.0840% | 3,399 |
| Net operating income to assets | 1.2838% | 1,366 |
| Return on assets (ROA) | 1.3983% | 1,165 |
| Pretax return on assets | 1.4371% | 1,811 |
| Return on Equity (ROE) | 13.0278% | 1,242 |
| Retained earnings to average equity (ytd only) | 4.7987% | 3,186 |
| Net charge-offs to loans | 0.1081% | 3,274 |
| Credit loss provision to net charge-offs | 135.8079% | 1,666 |
| Earnings coverage of net charge-offs (x) | 22.6987% | 1,357 |
| Efficiency ratio | 66.2292% | 4,507 |
| Assets per employee ($millions) | 4.1593% | 3,452 |
| Cash dividends to net income (ytd only)* | 63.1660% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 1,300 |
| Loan loss allowance to noncurrent loans | 396.5815% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 5,191 |
| Noncurrent loans to loans | 0.5732% | 4,827 |
| Net loans and leases to total assets | 54.0878% | 4,576 |
| Net loans and leases to deposits | 66.3810% | 4,220 |
| Net loans and leases to core deposits | 67.7300% | 4,526 |
| Total domestic deposits to total assets | 81.4809% | 5,221 |
| Equity capital to assets | 10.1944% | 3,664 |
| Core capital (leverage) ratio | 10.2112% | 3,214 |
| Tier 1 risk-based capital ratio | 14.7607% | 3,931 |
| Total risk-based capital ratio | 16.0188% | 3,892 |
| Memoranda: | ||
| Average total assets | $740,916,000 | 907 |
| Average earning assets | $678,887,000 | 891 |
| Average equity | $79,522,000 | 911 |
| Average total loans | $423,686,330 | 1,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 5,628 |
| Cost of funding earning assets | 0.1940% | 6,606 |
| Net interest margin | 3.3374% | 4,368 |
| Noninterest income to average assets | 1.1944% | 1,056 |
| Noninterest expense to average assets | 2.8011% | 3,695 |
| Loan and lease loss provision to assets | 0.1674% | 2,185 |
| Net operating income to assets | 1.2614% | 1,371 |
| Return on assets (ROA) | 1.4568% | 1,021 |
| Pretax return on assets | 1.4969% | 1,563 |
| Return on Equity (ROE) | 13.2249% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.4559% | 787 |
| Net charge-offs to loans | 0.2209% | 2,105 |
| Credit loss provision to net charge-offs | 130.3419% | 1,517 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 1,665 |
| Efficiency ratio | 65.6926% | 4,712 |
| Assets per employee ($millions) | 4.0933% | 3,753 |
| Cash dividends to net income (ytd only)* | 13.3760% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 1,451 |
| Loan loss allowance to noncurrent loans | 372.6463% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 5,188 |
| Noncurrent loans to loans | 0.6102% | 4,918 |
| Net loans and leases to total assets | 56.4201% | 4,022 |
| Net loans and leases to deposits | 69.1076% | 3,625 |
| Net loans and leases to core deposits | 70.5707% | 3,998 |
| Total domestic deposits to total assets | 81.6410% | 5,314 |
| Equity capital to assets | 11.0252% | 2,934 |
| Core capital (leverage) ratio | 10.1295% | 3,243 |
| Tier 1 risk-based capital ratio | 15.2309% | 3,691 |
| Total risk-based capital ratio | 16.4896% | 3,637 |
| Memoranda: | ||
| Average total assets | $728,714,000 | 923 |
| Average earning assets | $670,230,000 | 905 |
| Average equity | $80,273,000 | 915 |
| Average total loans | $423,742,500 | 1,009 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 5,755 |
| Cost of funding earning assets | 0.2554% | 6,645 |
| Net interest margin | 3.5765% | 4,200 |
| Noninterest income to average assets | 1.1729% | 1,145 |
| Noninterest expense to average assets | 2.8245% | 3,927 |
| Loan and lease loss provision to assets | 0.1275% | 4,019 |
| Net operating income to assets | 1.5252% | 872 |
| Return on assets (ROA) | 1.5481% | 915 |
| Pretax return on assets | 1.5886% | 1,418 |
| Return on Equity (ROE) | 14.2744% | 946 |
| Retained earnings to average equity (ytd only) | 7.3623% | 1,391 |
| Net charge-offs to loans | 0.1601% | 4,104 |
| Credit loss provision to net charge-offs | 135.4260% | 2,057 |
| Earnings coverage of net charge-offs (x) | 17.9806% | 1,470 |
| Efficiency ratio | 62.5311% | 5,164 |
| Assets per employee ($millions) | 4.0263% | 3,894 |
| Cash dividends to net income (ytd only)* | 48.4232% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 1,461 |
| Loan loss allowance to noncurrent loans | 297.3217% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 5,072 |
| Noncurrent loans to loans | 0.7565% | 4,668 |
| Net loans and leases to total assets | 57.2532% | 4,090 |
| Net loans and leases to deposits | 71.8558% | 3,435 |
| Net loans and leases to core deposits | 73.4650% | 3,854 |
| Total domestic deposits to total assets | 79.6780% | 5,748 |
| Equity capital to assets | 11.0061% | 2,945 |
| Core capital (leverage) ratio | 9.7576% | 3,714 |
| Tier 1 risk-based capital ratio | 14.9070% | 3,774 |
| Total risk-based capital ratio | 16.1657% | 3,716 |
| Memoranda: | ||
| Average total assets | $710,739,400 | 927 |
| Average earning assets | $664,561,400 | 905 |
| Average equity | $77,082,200 | 914 |
| Average total loans | $417,798,600 | 1,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 5,782 |
| Cost of funding earning assets | 0.2666% | 6,743 |
| Net interest margin | 3.6368% | 4,069 |
| Noninterest income to average assets | 1.1483% | 1,154 |
| Noninterest expense to average assets | 2.7993% | 3,982 |
| Loan and lease loss provision to assets | 0.1391% | 3,802 |
| Net operating income to assets | 1.5795% | 897 |
| Return on assets (ROA) | 1.6105% | 914 |
| Pretax return on assets | 1.6492% | 1,412 |
| Return on Equity (ROE) | 14.9066% | 923 |
| Retained earnings to average equity (ytd only) | 7.7543% | 1,727 |
| Net charge-offs to loans | 0.0288% | 5,260 |
| Credit loss provision to net charge-offs | 820.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 103.5308% | 409 |
| Efficiency ratio | 61.4433% | 5,237 |
| Assets per employee ($millions) | 4.2421% | 3,382 |
| Cash dividends to net income (ytd only)* | 47.9808% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3884% | 1,381 |
| Loan loss allowance to noncurrent loans | 344.4483% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 5,374 |
| Noncurrent loans to loans | 0.6934% | 5,049 |
| Net loans and leases to total assets | 55.1374% | 4,579 |
| Net loans and leases to deposits | 67.8207% | 4,213 |
| Net loans and leases to core deposits | 69.0415% | 4,605 |
| Total domestic deposits to total assets | 81.2988% | 5,265 |
| Equity capital to assets | 10.7404% | 3,565 |
| Core capital (leverage) ratio | 9.4595% | 4,332 |
| Tier 1 risk-based capital ratio | 14.7446% | 4,019 |
| Total risk-based capital ratio | 16.0045% | 3,971 |
| Memoranda: | ||
| Average total assets | $707,242,750 | 937 |
| Average earning assets | $662,683,000 | 915 |
| Average equity | $76,411,750 | 923 |
| Average total loans | $416,129,250 | 1,008 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 5,621 |
| Cost of funding earning assets | 0.2737% | 6,823 |
| Net interest margin | 3.7328% | 3,672 |
| Noninterest income to average assets | 1.1490% | 1,080 |
| Noninterest expense to average assets | 2.8160% | 3,955 |
| Loan and lease loss provision to assets | 0.1771% | 3,327 |
| Net operating income to assets | 1.6116% | 818 |
| Return on assets (ROA) | 1.6684% | 804 |
| Pretax return on assets | 1.7051% | 1,241 |
| Return on Equity (ROE) | 15.4102% | 866 |
| Retained earnings to average equity (ytd only) | 8.9588% | 1,293 |
| Net charge-offs to loans | -0.0601% | 6,717 |
| Credit loss provision to net charge-offs | -493.6000% | 6,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6865% | 5,468 |
| Assets per employee ($millions) | 4.3491% | 3,169 |
| Cash dividends to net income (ytd only)* | 41.8645% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 1,378 |
| Loan loss allowance to noncurrent loans | 1,647.8689% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 6,266 |
| Noncurrent loans to loans | 0.1472% | 6,294 |
| Net loans and leases to total assets | 53.4430% | 4,886 |
| Net loans and leases to deposits | 65.5663% | 4,559 |
| Net loans and leases to core deposits | 66.8598% | 4,910 |
| Total domestic deposits to total assets | 81.5098% | 5,294 |
| Equity capital to assets | 10.2372% | 4,009 |
| Core capital (leverage) ratio | 10.0128% | 3,407 |
| Tier 1 risk-based capital ratio | 14.7931% | 3,899 |
| Total risk-based capital ratio | 16.0538% | 3,859 |
| Memoranda: | ||
| Average total assets | $696,951,000 | 949 |
| Average earning assets | $651,847,330 | 929 |
| Average equity | $75,456,670 | 928 |
| Average total loans | $415,860,000 | 1,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 5,144 |
| Cost of funding earning assets | 0.2876% | 6,875 |
| Net interest margin | 3.9023% | 2,910 |
| Noninterest income to average assets | 1.1903% | 1,010 |
| Noninterest expense to average assets | 2.9131% | 3,574 |
| Loan and lease loss provision to assets | 0.2590% | 2,386 |
| Net operating income to assets | 1.6131% | 842 |
| Return on assets (ROA) | 1.7318% | 760 |
| Pretax return on assets | 1.7684% | 1,157 |
| Return on Equity (ROE) | 15.5165% | 880 |
| Retained earnings to average equity (ytd only) | 8.4459% | 1,801 |
| Net charge-offs to loans | 0.0106% | 4,573 |
| Credit loss provision to net charge-offs | 3,927.2727% | 73 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 113 |
| Efficiency ratio | 60.4454% | 5,552 |
| Assets per employee ($millions) | 3.9896% | 4,036 |
| Cash dividends to net income (ytd only)* | 45.5679% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 1,658 |
| Loan loss allowance to noncurrent loans | 319.2585% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 5,602 |
| Noncurrent loans to loans | 0.7237% | 5,211 |
| Net loans and leases to total assets | 60.3091% | 3,596 |
| Net loans and leases to deposits | 75.0629% | 2,962 |
| Net loans and leases to core deposits | 76.7666% | 3,511 |
| Total domestic deposits to total assets | 80.3447% | 5,766 |
| Equity capital to assets | 11.0287% | 2,871 |
| Core capital (leverage) ratio | 10.2408% | 3,062 |
| Tier 1 risk-based capital ratio | 14.3346% | 4,218 |
| Total risk-based capital ratio | 15.5942% | 4,183 |
| Memoranda: | ||
| Average total assets | $667,053,000 | 989 |
| Average earning assets | $620,351,500 | 968 |
| Average equity | $74,450,000 | 931 |
| Average total loans | $416,550,000 | 1,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 5,262 |
| Cost of funding earning assets | 0.3671% | 6,970 |
| Net interest margin | 4.0789% | 2,531 |
| Noninterest income to average assets | 1.2849% | 779 |
| Noninterest expense to average assets | 3.0673% | 3,324 |
| Loan and lease loss provision to assets | 0.3925% | 2,636 |
| Net operating income to assets | 1.5798% | 696 |
| Return on assets (ROA) | 1.6640% | 632 |
| Pretax return on assets | 1.7023% | 989 |
| Return on Equity (ROE) | 15.1546% | 717 |
| Retained earnings to average equity (ytd only) | 7.3455% | 1,342 |
| Net charge-offs to loans | 0.4591% | 3,146 |
| Credit loss provision to net charge-offs | 138.4872% | 2,134 |
| Earnings coverage of net charge-offs (x) | 7.0884% | 2,399 |
| Efficiency ratio | 60.4254% | 5,681 |
| Assets per employee ($millions) | 3.8122% | 4,300 |
| Cash dividends to net income (ytd only)* | 51.5298% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 1,690 |
| Loan loss allowance to noncurrent loans | 292.4914% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 5,688 |
| Noncurrent loans to loans | 0.7727% | 5,145 |
| Net loans and leases to total assets | 61.7621% | 3,650 |
| Net loans and leases to deposits | 77.6075% | 2,898 |
| Net loans and leases to core deposits | 79.4222% | 3,522 |
| Total domestic deposits to total assets | 79.5827% | 5,848 |
| Equity capital to assets | 11.2995% | 2,696 |
| Core capital (leverage) ratio | 10.1053% | 3,222 |
| Tier 1 risk-based capital ratio | 14.2381% | 4,153 |
| Total risk-based capital ratio | 15.4972% | 4,107 |
| Memoranda: | ||
| Average total assets | $634,437,600 | 1,022 |
| Average earning assets | $589,694,000 | 1,001 |
| Average equity | $69,661,800 | 962 |
| Average total loans | $391,598,400 | 1,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 5,315 |
| Cost of funding earning assets | 0.3859% | 7,045 |
| Net interest margin | 4.0928% | 2,502 |
| Noninterest income to average assets | 1.2208% | 887 |
| Noninterest expense to average assets | 3.0628% | 3,308 |
| Loan and lease loss provision to assets | 0.3947% | 2,493 |
| Net operating income to assets | 1.5331% | 876 |
| Return on assets (ROA) | 1.6586% | 759 |
| Pretax return on assets | 1.6977% | 1,152 |
| Return on Equity (ROE) | 15.2200% | 800 |
| Retained earnings to average equity (ytd only) | 5.3070% | 2,990 |
| Net charge-offs to loans | 0.3322% | 3,430 |
| Credit loss provision to net charge-offs | 193.6656% | 1,507 |
| Earnings coverage of net charge-offs (x) | 9.6396% | 2,021 |
| Efficiency ratio | 60.9252% | 5,572 |
| Assets per employee ($millions) | 3.7148% | 4,507 |
| Cash dividends to net income (ytd only)* | 65.1314% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4350% | 1,485 |
| Loan loss allowance to noncurrent loans | 731.7448% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 5,965 |
| Noncurrent loans to loans | 0.3328% | 6,183 |
| Net loans and leases to total assets | 59.6992% | 4,189 |
| Net loans and leases to deposits | 74.6408% | 3,568 |
| Net loans and leases to core deposits | 76.7091% | 4,097 |
| Total domestic deposits to total assets | 79.9819% | 5,744 |
| Equity capital to assets | 11.2238% | 2,945 |
| Core capital (leverage) ratio | 10.3423% | 3,046 |
| Tier 1 risk-based capital ratio | 14.1282% | 4,254 |
| Total risk-based capital ratio | 15.3886% | 4,217 |
| Memoranda: | ||
| Average total assets | $630,075,250 | 1,036 |
| Average earning assets | $585,987,500 | 1,010 |
| Average equity | $68,662,250 | 985 |
| Average total loans | $386,515,750 | 1,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 5,414 |
| Cost of funding earning assets | 0.4117% | 7,100 |
| Net interest margin | 4.0692% | 2,537 |
| Noninterest income to average assets | 1.2326% | 834 |
| Noninterest expense to average assets | 3.0925% | 3,284 |
| Loan and lease loss provision to assets | 0.4672% | 2,113 |
| Net operating income to assets | 1.4291% | 1,025 |
| Return on assets (ROA) | 1.6172% | 753 |
| Pretax return on assets | 1.6571% | 1,143 |
| Return on Equity (ROE) | 14.9929% | 805 |
| Retained earnings to average equity (ytd only) | 6.5518% | 2,113 |
| Net charge-offs to loans | 0.2987% | 3,376 |
| Credit loss provision to net charge-offs | 254.7826% | 1,188 |
| Earnings coverage of net charge-offs (x) | 10.5374% | 1,797 |
| Efficiency ratio | 61.5448% | 5,650 |
| Assets per employee ($millions) | 3.4732% | 5,006 |
| Cash dividends to net income (ytd only)* | 56.3005% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 1,458 |
| Loan loss allowance to noncurrent loans | 822.4913% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 6,157 |
| Noncurrent loans to loans | 0.3030% | 6,317 |
| Net loans and leases to total assets | 61.2114% | 4,043 |
| Net loans and leases to deposits | 77.9151% | 3,132 |
| Net loans and leases to core deposits | 80.1678% | 3,762 |
| Total domestic deposits to total assets | 78.5617% | 6,176 |
| Equity capital to assets | 11.5271% | 2,482 |
| Core capital (leverage) ratio | 10.7764% | 2,447 |
| Tier 1 risk-based capital ratio | 14.3955% | 3,872 |
| Total risk-based capital ratio | 15.6563% | 3,834 |
| Memoranda: | ||
| Average total assets | $627,121,330 | 1,052 |
| Average earning assets | $584,445,670 | 1,023 |
| Average equity | $67,645,330 | 998 |
| Average total loans | $385,034,330 | 1,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 5,626 |
| Cost of funding earning assets | 0.4474% | 7,116 |
| Net interest margin | 3.9712% | 2,816 |
| Noninterest income to average assets | 1.2136% | 865 |
| Noninterest expense to average assets | 3.0296% | 3,519 |
| Loan and lease loss provision to assets | 0.3712% | 2,332 |
| Net operating income to assets | 1.4960% | 882 |
| Return on assets (ROA) | 1.6056% | 730 |
| Pretax return on assets | 1.6439% | 1,093 |
| Return on Equity (ROE) | 15.3890% | 761 |
| Retained earnings to average equity (ytd only) | 5.2922% | 3,013 |
| Net charge-offs to loans | 0.2544% | 3,059 |
| Credit loss provision to net charge-offs | 240.2439% | 1,292 |
| Earnings coverage of net charge-offs (x) | 12.3171% | 1,504 |
| Efficiency ratio | 61.4160% | 5,775 |
| Assets per employee ($millions) | 3.7369% | 4,457 |
| Cash dividends to net income (ytd only)* | 65.6103% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3598% | 1,662 |
| Loan loss allowance to noncurrent loans | 470.7458% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,446 |
| Noncurrent loans to loans | 0.5013% | 6,019 |
| Net loans and leases to total assets | 58.7234% | 4,511 |
| Net loans and leases to deposits | 74.4046% | 3,699 |
| Net loans and leases to core deposits | 77.3076% | 4,113 |
| Total domestic deposits to total assets | 78.9244% | 6,210 |
| Equity capital to assets | 10.5914% | 3,088 |
| Core capital (leverage) ratio | 10.0058% | 3,139 |
| Tier 1 risk-based capital ratio | 14.0860% | 4,017 |
| Total risk-based capital ratio | 15.3453% | 3,984 |
| Memoranda: | ||
| Average total assets | $636,779,500 | 1,047 |
| Average earning assets | $596,398,000 | 1,009 |
| Average equity | $66,437,000 | 1,010 |
| Average total loans | $386,774,500 | 1,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 5,450 |
| Cost of funding earning assets | 0.6594% | 6,986 |
| Net interest margin | 4.1310% | 2,447 |
| Noninterest income to average assets | 1.2514% | 949 |
| Noninterest expense to average assets | 3.0214% | 3,764 |
| Loan and lease loss provision to assets | 0.5380% | 2,997 |
| Net operating income to assets | 1.5128% | 740 |
| Return on assets (ROA) | 1.5470% | 757 |
| Pretax return on assets | 1.5864% | 1,156 |
| Return on Equity (ROE) | 15.3189% | 673 |
| Retained earnings to average equity (ytd only) | 3.4601% | 3,445 |
| Net charge-offs to loans | 0.8040% | 2,623 |
| Credit loss provision to net charge-offs | 103.6629% | 4,338 |
| Earnings coverage of net charge-offs (x) | 4.0262% | 3,098 |
| Efficiency ratio | 59.1170% | 6,177 |
| Assets per employee ($millions) | 3.5471% | 4,830 |
| Cash dividends to net income (ytd only)* | 77.4126% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1888% | 1,891 |
| Loan loss allowance to noncurrent loans | 516.6667% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,598 |
| Noncurrent loans to loans | 0.4236% | 6,201 |
| Net loans and leases to total assets | 59.9836% | 4,686 |
| Net loans and leases to deposits | 77.0361% | 3,676 |
| Net loans and leases to core deposits | 80.0608% | 4,209 |
| Total domestic deposits to total assets | 77.8643% | 6,345 |
| Equity capital to assets | 10.2778% | 3,410 |
| Core capital (leverage) ratio | 9.1967% | 4,172 |
| Tier 1 risk-based capital ratio | 13.5015% | 4,199 |
| Total risk-based capital ratio | 14.7594% | 4,167 |
| Memoranda: | ||
| Average total assets | $647,045,400 | 1,031 |
| Average earning assets | $604,534,000 | 1,003 |
| Average equity | $65,344,200 | 1,026 |
| Average total loans | $417,685,800 | 1,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 5,477 |
| Cost of funding earning assets | 0.6996% | 7,060 |
| Net interest margin | 4.1481% | 2,414 |
| Noninterest income to average assets | 1.2177% | 939 |
| Noninterest expense to average assets | 3.0008% | 3,741 |
| Loan and lease loss provision to assets | 0.5413% | 2,779 |
| Net operating income to assets | 1.5118% | 904 |
| Return on assets (ROA) | 1.5423% | 925 |
| Pretax return on assets | 1.5805% | 1,393 |
| Return on Equity (ROE) | 15.3388% | 800 |
| Retained earnings to average equity (ytd only) | 2.2868% | 4,796 |
| Net charge-offs to loans | 0.9730% | 2,051 |
| Credit loss provision to net charge-offs | 85.1229% | 4,957 |
| Earnings coverage of net charge-offs (x) | 3.2878% | 3,505 |
| Efficiency ratio | 58.9369% | 6,114 |
| Assets per employee ($millions) | 3.7912% | 4,292 |
| Cash dividends to net income (ytd only)* | 85.0913% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 2,358 |
| Loan loss allowance to noncurrent loans | 120.0687% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 5,103 |
| Noncurrent loans to loans | 1.6215% | 4,216 |
| Net loans and leases to total assets | 59.9670% | 4,922 |
| Net loans and leases to deposits | 76.6201% | 4,066 |
| Net loans and leases to core deposits | 80.0514% | 4,512 |
| Total domestic deposits to total assets | 78.2654% | 6,206 |
| Equity capital to assets | 9.8920% | 4,302 |
| Core capital (leverage) ratio | 9.0806% | 4,556 |
| Tier 1 risk-based capital ratio | 12.6718% | 4,842 |
| Total risk-based capital ratio | 13.9270% | 4,819 |
| Memoranda: | ||
| Average total assets | $648,300,000 | 1,039 |
| Average earning assets | $605,438,000 | 1,009 |
| Average equity | $65,183,750 | 1,029 |
| Average total loans | $423,675,000 | 1,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 5,085 |
| Cost of funding earning assets | 0.7484% | 7,068 |
| Net interest margin | 4.2210% | 2,089 |
| Noninterest income to average assets | 1.2307% | 856 |
| Noninterest expense to average assets | 3.0795% | 3,397 |
| Loan and lease loss provision to assets | 0.5370% | 2,636 |
| Net operating income to assets | 1.5166% | 883 |
| Return on assets (ROA) | 1.5613% | 848 |
| Pretax return on assets | 1.5992% | 1,304 |
| Return on Equity (ROE) | 15.4408% | 773 |
| Retained earnings to average equity (ytd only) | 0.9125% | 5,399 |
| Net charge-offs to loans | 0.2869% | 3,900 |
| Credit loss provision to net charge-offs | 280.0979% | 1,323 |
| Earnings coverage of net charge-offs (x) | 10.9038% | 1,827 |
| Efficiency ratio | 59.5644% | 6,129 |
| Assets per employee ($millions) | 3.6407% | 4,610 |
| Cash dividends to net income (ytd only)* | 94.0905% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2395% | 1,689 |
| Loan loss allowance to noncurrent loans | 105.4835% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 4,383 |
| Noncurrent loans to loans | 2.1231% | 3,562 |
| Net loans and leases to total assets | 64.2974% | 4,201 |
| Net loans and leases to deposits | 81.5142% | 3,335 |
| Net loans and leases to core deposits | 86.5360% | 3,757 |
| Total domestic deposits to total assets | 78.8787% | 6,070 |
| Equity capital to assets | 10.0164% | 4,009 |
| Core capital (leverage) ratio | 9.2260% | 4,261 |
| Tier 1 risk-based capital ratio | 12.4821% | 4,876 |
| Total risk-based capital ratio | 13.7414% | 4,847 |
| Memoranda: | ||
| Average total assets | $639,455,000 | 1,057 |
| Average earning assets | $596,771,330 | 1,025 |
| Average equity | $64,660,000 | 1,030 |
| Average total loans | $427,329,000 | 1,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 4,810 |
| Cost of funding earning assets | 0.7770% | 7,156 |
| Net interest margin | 4.2673% | 1,796 |
| Noninterest income to average assets | 1.1994% | 846 |
| Noninterest expense to average assets | 3.0675% | 3,400 |
| Loan and lease loss provision to assets | 0.4004% | 2,971 |
| Net operating income to assets | 1.6686% | 658 |
| Return on assets (ROA) | 1.6686% | 708 |
| Pretax return on assets | 1.7065% | 1,048 |
| Return on Equity (ROE) | 16.4221% | 666 |
| Retained earnings to average equity (ytd only) | 5.9547% | 2,640 |
| Net charge-offs to loans | 0.2531% | 3,430 |
| Credit loss provision to net charge-offs | 234.8148% | 1,630 |
| Earnings coverage of net charge-offs (x) | 12.3556% | 1,571 |
| Efficiency ratio | 59.2823% | 6,291 |
| Assets per employee ($millions) | 3.6796% | 4,625 |
| Cash dividends to net income (ytd only)* | 63.7396% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 2,027 |
| Loan loss allowance to noncurrent loans | 457.3567% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 6,702 |
| Noncurrent loans to loans | 0.4519% | 6,397 |
| Net loans and leases to total assets | 64.4567% | 4,230 |
| Net loans and leases to deposits | 80.0826% | 3,644 |
| Net loans and leases to core deposits | 85.0566% | 4,042 |
| Total domestic deposits to total assets | 80.4877% | 5,621 |
| Equity capital to assets | 9.9497% | 3,932 |
| Core capital (leverage) ratio | 9.6674% | 3,564 |
| Tier 1 risk-based capital ratio | 12.6159% | 4,628 |
| Total risk-based capital ratio | 13.8732% | 4,586 |
| Memoranda: | ||
| Average total assets | $633,341,000 | 1,091 |
| Average earning assets | $589,974,500 | 1,064 |
| Average equity | $64,352,500 | 1,036 |
| Average total loans | $426,686,500 | 1,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 5,134 |
| Cost of funding earning assets | 1.0701% | 7,056 |
| Net interest margin | 4.2386% | 1,946 |
| Noninterest income to average assets | 1.2382% | 986 |
| Noninterest expense to average assets | 3.0890% | 3,792 |
| Loan and lease loss provision to assets | 0.4495% | 4,131 |
| Net operating income to assets | 1.6120% | 532 |
| Return on assets (ROA) | 1.7241% | 446 |
| Pretax return on assets | 1.7628% | 683 |
| Return on Equity (ROE) | 17.5185% | 406 |
| Retained earnings to average equity (ytd only) | 7.2254% | 894 |
| Net charge-offs to loans | 0.2172% | 5,266 |
| Credit loss provision to net charge-offs | 307.6075% | 1,073 |
| Earnings coverage of net charge-offs (x) | 14.3572% | 1,376 |
| Efficiency ratio | 59.5540% | 6,547 |
| Assets per employee ($millions) | 3.4965% | 5,007 |
| Cash dividends to net income (ytd only)* | 58.7554% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 2,027 |
| Loan loss allowance to noncurrent loans | 839.4269% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 7,014 |
| Noncurrent loans to loans | 0.2383% | 6,837 |
| Net loans and leases to total assets | 67.6348% | 3,789 |
| Net loans and leases to deposits | 84.9990% | 3,085 |
| Net loans and leases to core deposits | 99.1465% | 4,097 |
| Total domestic deposits to total assets | 79.5713% | 5,822 |
| Equity capital to assets | 10.3842% | 3,306 |
| Core capital (leverage) ratio | 9.6151% | 3,575 |
| Tier 1 risk-based capital ratio | 12.5742% | 4,467 |
| Total risk-based capital ratio | 13.8308% | 4,405 |
| Memoranda: | ||
| Average total assets | $620,725,000 | 1,114 |
| Average earning assets | $578,259,800 | 1,092 |
| Average equity | $61,089,800 | 1,087 |
| Average total loans | $417,618,000 | 1,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 5,585 |
| Cost of funding earning assets | 1.1389% | 7,069 |
| Net interest margin | 4.1278% | 2,296 |
| Noninterest income to average assets | 1.2384% | 1,004 |
| Noninterest expense to average assets | 3.0830% | 3,704 |
| Loan and lease loss provision to assets | 0.3920% | 3,966 |
| Net operating income to assets | 1.5780% | 690 |
| Return on assets (ROA) | 1.6727% | 629 |
| Pretax return on assets | 1.7108% | 951 |
| Return on Equity (ROE) | 17.2308% | 528 |
| Retained earnings to average equity (ytd only) | 5.7120% | 2,096 |
| Net charge-offs to loans | 0.2001% | 4,808 |
| Credit loss provision to net charge-offs | 293.1090% | 1,417 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,558 |
| Efficiency ratio | 60.5795% | 6,339 |
| Assets per employee ($millions) | 3.6157% | 4,647 |
| Cash dividends to net income (ytd only)* | 66.8504% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,262 |
| Loan loss allowance to noncurrent loans | 166.7093% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 5,610 |
| Noncurrent loans to loans | 1.0827% | 5,141 |
| Net loans and leases to total assets | 68.7824% | 3,777 |
| Net loans and leases to deposits | 87.5483% | 3,048 |
| Net loans and leases to core deposits | 101.5963% | 4,202 |
| Total domestic deposits to total assets | 78.5651% | 5,937 |
| Equity capital to assets | 10.1013% | 3,959 |
| Core capital (leverage) ratio | 9.2914% | 4,202 |
| Tier 1 risk-based capital ratio | 11.9704% | 5,005 |
| Total risk-based capital ratio | 13.2240% | 4,936 |
| Memoranda: | ||
| Average total assets | $622,059,000 | 1,131 |
| Average earning assets | $580,306,250 | 1,100 |
| Average equity | $60,386,500 | 1,112 |
| Average total loans | $415,844,500 | 1,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 6,096 |
| Cost of funding earning assets | 1.1940% | 7,122 |
| Net interest margin | 4.0003% | 2,699 |
| Noninterest income to average assets | 1.2026% | 1,080 |
| Noninterest expense to average assets | 3.0684% | 3,819 |
| Loan and lease loss provision to assets | 0.2070% | 4,981 |
| Net operating income to assets | 1.6184% | 657 |
| Return on assets (ROA) | 1.6184% | 724 |
| Pretax return on assets | 1.6553% | 1,101 |
| Return on Equity (ROE) | 16.8987% | 593 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,426 |
| Net charge-offs to loans | 0.0917% | 5,266 |
| Credit loss provision to net charge-offs | 343.0851% | 1,348 |
| Earnings coverage of net charge-offs (x) | 30.8723% | 981 |
| Efficiency ratio | 62.2308% | 6,216 |
| Assets per employee ($millions) | 3.6631% | 4,418 |
| Cash dividends to net income (ytd only)* | 69.5083% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 2,480 |
| Loan loss allowance to noncurrent loans | 2,589.3773% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 7,494 |
| Noncurrent loans to loans | 0.0642% | 7,366 |
| Net loans and leases to total assets | 66.3607% | 4,494 |
| Net loans and leases to deposits | 83.9826% | 3,879 |
| Net loans and leases to core deposits | 97.3270% | 4,756 |
| Total domestic deposits to total assets | 79.0172% | 5,809 |
| Equity capital to assets | 9.5027% | 4,608 |
| Core capital (leverage) ratio | 8.9595% | 4,699 |
| Tier 1 risk-based capital ratio | 11.8491% | 5,047 |
| Total risk-based capital ratio | 13.0650% | 5,002 |
| Memoranda: | ||
| Average total assets | $623,317,000 | 1,146 |
| Average earning assets | $580,907,000 | 1,121 |
| Average equity | $59,697,000 | 1,139 |
| Average total loans | $410,096,670 | 1,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 6,717 |
| Cost of funding earning assets | 1.2174% | 7,261 |
| Net interest margin | 3.8600% | 3,211 |
| Noninterest income to average assets | 1.1969% | 1,011 |
| Noninterest expense to average assets | 3.0370% | 3,601 |
| Loan and lease loss provision to assets | 0.2303% | 4,148 |
| Net operating income to assets | 1.4904% | 956 |
| Return on assets (ROA) | 1.4904% | 1,027 |
| Pretax return on assets | 1.5259% | 1,594 |
| Return on Equity (ROE) | 15.5009% | 891 |
| Retained earnings to average equity (ytd only) | 5.1267% | 3,050 |
| Net charge-offs to loans | 0.1848% | 3,528 |
| Credit loss provision to net charge-offs | 191.9355% | 2,298 |
| Earnings coverage of net charge-offs (x) | 14.6344% | 1,653 |
| Efficiency ratio | 63.3598% | 5,800 |
| Assets per employee ($millions) | 3.7430% | 4,250 |
| Cash dividends to net income (ytd only)* | 66.9264% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 2,197 |
| Loan loss allowance to noncurrent loans | 704.3614% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 7,107 |
| Noncurrent loans to loans | 0.2391% | 6,846 |
| Net loans and leases to total assets | 62.9737% | 5,168 |
| Net loans and leases to deposits | 79.7620% | 4,649 |
| Net loans and leases to core deposits | 92.0765% | 5,340 |
| Total domestic deposits to total assets | 78.9520% | 5,746 |
| Equity capital to assets | 9.5966% | 4,533 |
| Core capital (leverage) ratio | 9.4155% | 4,085 |
| Tier 1 risk-based capital ratio | 12.2109% | 4,782 |
| Total risk-based capital ratio | 13.4638% | 4,688 |
| Memoranda: | ||
| Average total assets | $619,948,500 | 1,144 |
| Average earning assets | $577,622,000 | 1,130 |
| Average equity | $59,609,500 | 1,148 |
| Average total loans | $402,556,500 | 1,247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 5,429 |
| Cost of funding earning assets | 1.9010% | 6,725 |
| Net interest margin | 4.1251% | 2,604 |
| Noninterest income to average assets | 1.3696% | 770 |
| Noninterest expense to average assets | 3.0781% | 3,790 |
| Loan and lease loss provision to assets | 0.1741% | 5,161 |
| Net operating income to assets | 1.8533% | 488 |
| Return on assets (ROA) | 1.8275% | 506 |
| Pretax return on assets | 1.8650% | 822 |
| Return on Equity (ROE) | 19.5205% | 416 |
| Retained earnings to average equity (ytd only) | 5.0264% | 2,010 |
| Net charge-offs to loans | 0.0712% | 5,748 |
| Credit loss provision to net charge-offs | 354.3554% | 1,267 |
| Earnings coverage of net charge-offs (x) | 42.0418% | 878 |
| Efficiency ratio | 59.8442% | 6,377 |
| Assets per employee ($millions) | 3.5323% | 4,586 |
| Cash dividends to net income (ytd only)* | 74.2507% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,087 |
| Loan loss allowance to noncurrent loans | 4,293.5065% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,499 |
| Noncurrent loans to loans | 0.0383% | 7,352 |
| Net loans and leases to total assets | 64.7588% | 5,114 |
| Net loans and leases to deposits | 84.9742% | 4,257 |
| Net loans and leases to core deposits | 98.8549% | 4,940 |
| Total domestic deposits to total assets | 76.2100% | 6,191 |
| Equity capital to assets | 9.6344% | 4,505 |
| Core capital (leverage) ratio | 9.1518% | 4,523 |
| Tier 1 risk-based capital ratio | 11.4609% | 5,275 |
| Total risk-based capital ratio | 12.7125% | 5,175 |
| Memoranda: | ||
| Average total assets | $584,186,600 | 1,148 |
| Average earning assets | $534,454,600 | 1,155 |
| Average equity | $54,691,200 | 1,231 |
| Average total loans | $403,293,000 | 1,204 |