Home > Security State Bank & Trust > Performance and Condition Ratios
Security State Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 924 |
| Cost of funding earning assets | 1.2017% | 2,799 |
| Net interest margin | 4.5008% | 617 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.5448% | 2,174 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.1243% | 384 |
| Return on assets (ROA) | 2.1114% | 383 |
| Pretax return on assets | 2.1114% | 560 |
| Return on Equity (ROE) | 23.4100% | 381 |
| Retained earnings to average equity (ytd only) | 12.2236% | 616 |
| Net charge-offs to loans | 0.0442% | 1,450 |
| Credit loss provision to net charge-offs | 311.8375% | 927 |
| Earnings coverage of net charge-offs (x) | 71.9435% | 1,083 |
| Efficiency ratio | 53.4016% | 3,722 |
| Assets per employee ($millions) | 6.3343% | 2,525 |
| Cash dividends to net income (ytd only)* | 47.7826% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,564 |
| Loan loss allowance to noncurrent loans | 129.2262% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 1,088 |
| Noncurrent loans to loans | 0.7275% | 1,069 |
| Net loans and leases to total assets | 69.3100% | 1,889 |
| Net loans and leases to deposits | 77.8606% | 2,277 |
| Net loans and leases to core deposits | 84.4650% | 2,422 |
| Total domestic deposits to total assets | 89.0200% | 1,059 |
| Equity capital to assets | 9.7460% | 2,163 |
| Core capital (leverage) ratio | 11.1193% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,833,748,000 | 615 |
| Average earning assets | $1,730,319,200 | 596 |
| Average equity | $165,392,800 | 622 |
| Average total loans | $1,279,244,600 | 593 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5801% | 925 |
| Cost of funding earning assets | 1.0836% | 2,791 |
| Net interest margin | 4.4966% | 616 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5035% | 2,223 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.1484% | 406 |
| Return on assets (ROA) | 2.1338% | 406 |
| Pretax return on assets | 2.1338% | 613 |
| Return on Equity (ROE) | 24.1500% | 426 |
| Retained earnings to average equity (ytd only) | 8.8804% | 1,718 |
| Net charge-offs to loans | 0.0552% | 1,113 |
| Credit loss provision to net charge-offs | 307.7652% | 869 |
| Earnings coverage of net charge-offs (x) | 58.8693% | 1,215 |
| Efficiency ratio | 52.4797% | 3,720 |
| Assets per employee ($millions) | 6.1899% | 2,578 |
| Cash dividends to net income (ytd only)* | 63.2306% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,057 |
| Loan loss allowance to noncurrent loans | 197.7325% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 1,497 |
| Noncurrent loans to loans | 0.5371% | 1,482 |
| Net loans and leases to total assets | 69.6100% | 1,874 |
| Net loans and leases to deposits | 77.4854% | 2,288 |
| Net loans and leases to core deposits | 83.2712% | 2,372 |
| Total domestic deposits to total assets | 89.8300% | 982 |
| Equity capital to assets | 8.9336% | 2,457 |
| Core capital (leverage) ratio | 10.5983% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,828,197,500 | 619 |
| Average earning assets | $1,726,601,750 | 602 |
| Average equity | $161,521,000 | 630 |
| Average total loans | $1,274,422,500 | 594 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 959 |
| Cost of funding earning assets | 0.9474% | 2,786 |
| Net interest margin | 4.4442% | 660 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.4861% | 2,244 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 2.0918% | 410 |
| Return on assets (ROA) | 2.0816% | 410 |
| Pretax return on assets | 2.0816% | 645 |
| Return on Equity (ROE) | 23.6500% | 452 |
| Retained earnings to average equity (ytd only) | 6.8582% | 2,337 |
| Net charge-offs to loans | 0.0786% | 796 |
| Credit loss provision to net charge-offs | 263.1263% | 928 |
| Earnings coverage of net charge-offs (x) | 40.9218% | 1,385 |
| Efficiency ratio | 52.6537% | 3,728 |
| Assets per employee ($millions) | 5.9605% | 2,744 |
| Cash dividends to net income (ytd only)* | 71.0003% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,247 |
| Loan loss allowance to noncurrent loans | 568.6175% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 2,638 |
| Noncurrent loans to loans | 0.1828% | 2,559 |
| Net loans and leases to total assets | 70.4300% | 1,696 |
| Net loans and leases to deposits | 79.3517% | 2,021 |
| Net loans and leases to core deposits | 84.8553% | 2,151 |
| Total domestic deposits to total assets | 88.7600% | 1,326 |
| Equity capital to assets | 8.9315% | 2,563 |
| Core capital (leverage) ratio | 10.4518% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,826,856,667 | 607 |
| Average earning assets | $1,726,414,667 | 590 |
| Average equity | $160,800,000 | 632 |
| Average total loans | $1,269,545,000 | 584 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 956 |
| Cost of funding earning assets | 0.8057% | 2,714 |
| Net interest margin | 4.3895% | 697 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.4681% | 2,328 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.9565% | 528 |
| Return on assets (ROA) | 1.9471% | 527 |
| Pretax return on assets | 1.9471% | 849 |
| Return on Equity (ROE) | 22.2800% | 561 |
| Retained earnings to average equity (ytd only) | 11.0531% | 1,458 |
| Net charge-offs to loans | -0.0114% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.9646% | 3,708 |
| Assets per employee ($millions) | 5.8709% | 2,879 |
| Cash dividends to net income (ytd only)* | 50.3976% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,163 |
| Loan loss allowance to noncurrent loans | 791.5127% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 2,865 |
| Noncurrent loans to loans | 0.1361% | 2,826 |
| Net loans and leases to total assets | 69.1800% | 1,706 |
| Net loans and leases to deposits | 76.9232% | 2,047 |
| Net loans and leases to core deposits | 81.1284% | 2,173 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 8.8657% | 2,618 |
| Core capital (leverage) ratio | 10.2227% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,834,286,000 | 621 |
| Average earning assets | $1,734,066,500 | 600 |
| Average equity | $160,281,000 | 645 |
| Average total loans | $1,259,495,500 | 596 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 907 |
| Cost of funding earning assets | 0.2328% | 3,486 |
| Net interest margin | 4.1526% | 606 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4134% | 2,386 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.9671% | 317 |
| Return on assets (ROA) | 1.9305% | 327 |
| Pretax return on assets | 1.9305% | 543 |
| Return on Equity (ROE) | 21.7400% | 355 |
| Retained earnings to average equity (ytd only) | 14.0255% | 384 |
| Net charge-offs to loans | 0.0358% | 1,369 |
| Credit loss provision to net charge-offs | 115.4791% | 1,483 |
| Earnings coverage of net charge-offs (x) | 86.1499% | 1,049 |
| Efficiency ratio | 54.7609% | 3,712 |
| Assets per employee ($millions) | 6.0215% | 2,742 |
| Cash dividends to net income (ytd only)* | 35.4934% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4850% | 4,450 |
| Loan loss allowance to noncurrent loans | 462.4331% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,084 |
| Noncurrent loans to loans | 0.1049% | 3,022 |
| Net loans and leases to total assets | 67.0900% | 1,922 |
| Net loans and leases to deposits | 74.7070% | 2,197 |
| Net loans and leases to core deposits | 77.9754% | 2,277 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 8.6124% | 2,624 |
| Core capital (leverage) ratio | 10.5653% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,758,611,200 | 618 |
| Average earning assets | $1,640,382,200 | 607 |
| Average equity | $156,144,400 | 660 |
| Average total loans | $1,137,493,000 | 608 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 873 |
| Cost of funding earning assets | 0.1667% | 3,662 |
| Net interest margin | 4.0426% | 591 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.3901% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9143% | 334 |
| Return on assets (ROA) | 1.8769% | 354 |
| Pretax return on assets | 1.8769% | 621 |
| Return on Equity (ROE) | 20.9700% | 362 |
| Retained earnings to average equity (ytd only) | 10.6310% | 1,161 |
| Net charge-offs to loans | 0.0530% | 954 |
| Credit loss provision to net charge-offs | 7.2562% | 1,668 |
| Earnings coverage of net charge-offs (x) | 56.5941% | 1,213 |
| Efficiency ratio | 55.4957% | 3,676 |
| Assets per employee ($millions) | 5.8159% | 2,914 |
| Cash dividends to net income (ytd only)* | 49.3064% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 4,510 |
| Loan loss allowance to noncurrent loans | 324.8980% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,985 |
| Noncurrent loans to loans | 0.1415% | 2,917 |
| Net loans and leases to total assets | 67.5700% | 1,720 |
| Net loans and leases to deposits | 75.2167% | 1,947 |
| Net loans and leases to core deposits | 78.1943% | 2,025 |
| Total domestic deposits to total assets | 89.8300% | 1,733 |
| Equity capital to assets | 8.3763% | 2,621 |
| Core capital (leverage) ratio | 10.0954% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,736,114,500 | 627 |
| Average earning assets | $1,612,916,750 | 616 |
| Average equity | $155,378,500 | 670 |
| Average total loans | $1,110,307,250 | 618 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 790 |
| Cost of funding earning assets | 0.1299% | 3,840 |
| Net interest margin | 3.9558% | 548 |
| Noninterest income to average assets | 0.5535% | 1,931 |
| Noninterest expense to average assets | 2.4425% | 2,106 |
| Loan and lease loss provision to assets | 0.0037% | 2,542 |
| Net operating income to assets | 1.7627% | 369 |
| Return on assets (ROA) | 1.7206% | 402 |
| Pretax return on assets | 1.7206% | 715 |
| Return on Equity (ROE) | 18.8077% | 398 |
| Retained earnings to average equity (ytd only) | 8.1923% | 1,550 |
| Net charge-offs to loans | 0.0663% | 756 |
| Credit loss provision to net charge-offs | 8.9636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 42.5434% | 1,231 |
| Efficiency ratio | 58.0314% | 3,555 |
| Assets per employee ($millions) | 5.5672% | 3,154 |
| Cash dividends to net income (ytd only)* | 56.4418% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 4,552 |
| Loan loss allowance to noncurrent loans | 321.7292% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 3,003 |
| Noncurrent loans to loans | 0.1551% | 2,915 |
| Net loans and leases to total assets | 64.3015% | 1,872 |
| Net loans and leases to deposits | 71.9682% | 2,029 |
| Net loans and leases to core deposits | 75.2181% | 2,074 |
| Total domestic deposits to total assets | 89.3471% | 2,027 |
| Equity capital to assets | 8.3569% | 2,865 |
| Core capital (leverage) ratio | 9.9187% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,719,655,333 | 630 |
| Average earning assets | $1,589,052,333 | 625 |
| Average equity | $157,318,333 | 672 |
| Average total loans | $1,076,426,333 | 621 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 906 |
| Cost of funding earning assets | 0.1219% | 3,877 |
| Net interest margin | 3.7910% | 643 |
| Noninterest income to average assets | 0.5598% | 1,868 |
| Noninterest expense to average assets | 2.4578% | 1,992 |
| Loan and lease loss provision to assets | 0.0080% | 2,172 |
| Net operating income to assets | 1.5926% | 518 |
| Return on assets (ROA) | 1.5688% | 548 |
| Pretax return on assets | 1.5688% | 880 |
| Return on Equity (ROE) | 16.4177% | 490 |
| Retained earnings to average equity (ytd only) | 9.0423% | 1,260 |
| Net charge-offs to loans | -0.0344% | 4,139 |
| Credit loss provision to net charge-offs | -37.7778% | 2,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5615% | 3,428 |
| Assets per employee ($millions) | 5.4989% | 3,320 |
| Cash dividends to net income (ytd only)* | 44.9236% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 4,534 |
| Loan loss allowance to noncurrent loans | 61.0195% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 1,027 |
| Noncurrent loans to loans | 0.9221% | 993 |
| Net loans and leases to total assets | 62.2847% | 1,828 |
| Net loans and leases to deposits | 70.5181% | 1,913 |
| Net loans and leases to core deposits | 73.7692% | 1,961 |
| Total domestic deposits to total assets | 88.3244% | 2,377 |
| Equity capital to assets | 9.1556% | 2,566 |
| Core capital (leverage) ratio | 10.0117% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,702,654,500 | 636 |
| Average earning assets | $1,571,289,000 | 634 |
| Average equity | $162,702,000 | 668 |
| Average total loans | $1,047,997,500 | 629 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 1,619 |
| Cost of funding earning assets | 0.1563% | 3,904 |
| Net interest margin | 3.7422% | 1,116 |
| Noninterest income to average assets | 0.6199% | 2,074 |
| Noninterest expense to average assets | 2.5465% | 2,037 |
| Loan and lease loss provision to assets | 0.0285% | 2,488 |
| Net operating income to assets | 1.5082% | 990 |
| Return on assets (ROA) | 1.5055% | 1,047 |
| Pretax return on assets | 1.5055% | 1,702 |
| Return on Equity (ROE) | 14.4121% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.9222% | 1,948 |
| Net charge-offs to loans | -0.0025% | 3,406 |
| Credit loss provision to net charge-offs | -1,995.4545% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3651% | 2,807 |
| Assets per employee ($millions) | 5.4147% | 3,341 |
| Cash dividends to net income (ytd only)* | 51.9693% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 4,545 |
| Loan loss allowance to noncurrent loans | 62.3151% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 1,154 |
| Noncurrent loans to loans | 0.9493% | 1,063 |
| Net loans and leases to total assets | 60.0687% | 2,156 |
| Net loans and leases to deposits | 68.8824% | 2,235 |
| Net loans and leases to core deposits | 71.5144% | 2,300 |
| Total domestic deposits to total assets | 87.2046% | 2,434 |
| Equity capital to assets | 9.9701% | 2,684 |
| Core capital (leverage) ratio | 10.3210% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,541,419,200 | 669 |
| Average earning assets | $1,426,507,200 | 668 |
| Average equity | $161,018,000 | 670 |
| Average total loans | $878,625,600 | 741 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 1,716 |
| Cost of funding earning assets | 0.1660% | 3,961 |
| Net interest margin | 3.7500% | 1,225 |
| Noninterest income to average assets | 0.6166% | 2,142 |
| Noninterest expense to average assets | 2.5090% | 2,095 |
| Loan and lease loss provision to assets | 0.0348% | 2,305 |
| Net operating income to assets | 1.5433% | 1,162 |
| Return on assets (ROA) | 1.5415% | 1,215 |
| Pretax return on assets | 1.5415% | 1,874 |
| Return on Equity (ROE) | 14.5722% | 1,237 |
| Retained earnings to average equity (ytd only) | 4.4953% | 3,405 |
| Net charge-offs to loans | 0.0003% | 2,449 |
| Credit loss provision to net charge-offs | 19,700.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 8,927.5000% | 10 |
| Efficiency ratio | 61.3879% | 2,780 |
| Assets per employee ($millions) | 5.2547% | 3,449 |
| Cash dividends to net income (ytd only)* | 69.1514% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 4,569 |
| Loan loss allowance to noncurrent loans | 60.5800% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 1,238 |
| Noncurrent loans to loans | 1.0730% | 1,055 |
| Net loans and leases to total assets | 56.9406% | 2,619 |
| Net loans and leases to deposits | 65.2804% | 2,700 |
| Net loans and leases to core deposits | 67.8501% | 2,791 |
| Total domestic deposits to total assets | 87.2246% | 2,258 |
| Equity capital to assets | 10.2672% | 2,643 |
| Core capital (leverage) ratio | 10.3212% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,508,487,750 | 687 |
| Average earning assets | $1,396,105,500 | 688 |
| Average equity | $159,569,000 | 687 |
| Average total loans | $845,527,750 | 780 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 1,934 |
| Cost of funding earning assets | 0.1737% | 4,006 |
| Net interest margin | 3.6822% | 1,393 |
| Noninterest income to average assets | 0.5996% | 2,220 |
| Noninterest expense to average assets | 2.4986% | 2,147 |
| Loan and lease loss provision to assets | 0.0514% | 2,005 |
| Net operating income to assets | 1.4535% | 1,413 |
| Return on assets (ROA) | 1.4504% | 1,490 |
| Pretax return on assets | 1.4504% | 2,176 |
| Return on Equity (ROE) | 13.5691% | 1,544 |
| Retained earnings to average equity (ytd only) | 2.8400% | 3,891 |
| Net charge-offs to loans | -0.0163% | 3,897 |
| Credit loss provision to net charge-offs | -568.6567% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4103% | 2,678 |
| Assets per employee ($millions) | 5.1473% | 3,511 |
| Cash dividends to net income (ytd only)* | 79.0698% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,550 |
| Loan loss allowance to noncurrent loans | 242.0114% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,194 |
| Noncurrent loans to loans | 0.2852% | 2,912 |
| Net loans and leases to total assets | 55.4303% | 2,967 |
| Net loans and leases to deposits | 63.6375% | 3,036 |
| Net loans and leases to core deposits | 66.5895% | 3,063 |
| Total domestic deposits to total assets | 87.1032% | 2,262 |
| Equity capital to assets | 10.2632% | 2,609 |
| Core capital (leverage) ratio | 10.3608% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,482,346,000 | 697 |
| Average earning assets | $1,370,315,000 | 694 |
| Average equity | $158,448,000 | 681 |
| Average total loans | $824,200,667 | 801 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 2,477 |
| Cost of funding earning assets | 0.1802% | 4,082 |
| Net interest margin | 3.4776% | 1,891 |
| Noninterest income to average assets | 0.6024% | 2,195 |
| Noninterest expense to average assets | 2.5303% | 2,085 |
| Loan and lease loss provision to assets | 0.1008% | 1,338 |
| Net operating income to assets | 1.1794% | 2,237 |
| Return on assets (ROA) | 1.1747% | 2,319 |
| Pretax return on assets | 1.1747% | 2,915 |
| Return on Equity (ROE) | 10.7608% | 2,435 |
| Retained earnings to average equity (ytd only) | 3.1739% | 3,729 |
| Net charge-offs to loans | -0.0104% | 3,680 |
| Credit loss provision to net charge-offs | -1,738.0952% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4034% | 2,171 |
| Assets per employee ($millions) | 4.8367% | 3,820 |
| Cash dividends to net income (ytd only)* | 70.5053% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,560 |
| Loan loss allowance to noncurrent loans | 65.5348% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 1,562 |
| Noncurrent loans to loans | 1.0781% | 1,242 |
| Net loans and leases to total assets | 56.2648% | 3,004 |
| Net loans and leases to deposits | 65.4432% | 2,984 |
| Net loans and leases to core deposits | 68.6179% | 3,007 |
| Total domestic deposits to total assets | 85.9749% | 2,744 |
| Equity capital to assets | 10.6909% | 2,095 |
| Core capital (leverage) ratio | 11.0518% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,448,853,000 | 704 |
| Average earning assets | $1,336,563,500 | 703 |
| Average equity | $158,166,500 | 676 |
| Average total loans | $803,917,000 | 810 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 1,991 |
| Cost of funding earning assets | 0.3174% | 4,042 |
| Net interest margin | 3.9353% | 1,127 |
| Noninterest income to average assets | 0.7023% | 1,858 |
| Noninterest expense to average assets | 2.7938% | 1,956 |
| Loan and lease loss provision to assets | 0.2093% | 1,880 |
| Net operating income to assets | 1.3479% | 1,130 |
| Return on assets (ROA) | 1.3503% | 1,223 |
| Pretax return on assets | 1.3503% | 1,819 |
| Return on Equity (ROE) | 11.3405% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.5520% | 2,023 |
| Net charge-offs to loans | 0.0553% | 1,993 |
| Credit loss provision to net charge-offs | 631.0588% | 1,070 |
| Earnings coverage of net charge-offs (x) | 46.9600% | 1,260 |
| Efficiency ratio | 64.2118% | 2,785 |
| Assets per employee ($millions) | 4.7735% | 3,635 |
| Cash dividends to net income (ytd only)* | 51.0429% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 4,563 |
| Loan loss allowance to noncurrent loans | 61.3811% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 1,662 |
| Noncurrent loans to loans | 1.1650% | 1,221 |
| Net loans and leases to total assets | 53.8760% | 3,497 |
| Net loans and leases to deposits | 63.4006% | 3,484 |
| Net loans and leases to core deposits | 66.7823% | 3,479 |
| Total domestic deposits to total assets | 84.9772% | 2,770 |
| Equity capital to assets | 11.1508% | 2,133 |
| Core capital (leverage) ratio | 11.4944% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,281,720,400 | 708 |
| Average earning assets | $1,188,355,000 | 706 |
| Average equity | $152,611,800 | 664 |
| Average total loans | $768,608,400 | 805 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,087 |
| Cost of funding earning assets | 0.3565% | 4,023 |
| Net interest margin | 3.9480% | 1,241 |
| Noninterest income to average assets | 0.7052% | 1,785 |
| Noninterest expense to average assets | 2.7753% | 2,038 |
| Loan and lease loss provision to assets | 0.2730% | 1,476 |
| Net operating income to assets | 1.3246% | 1,297 |
| Return on assets (ROA) | 1.3287% | 1,374 |
| Pretax return on assets | 1.3287% | 1,938 |
| Return on Equity (ROE) | 10.9604% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.1658% | 3,444 |
| Net charge-offs to loans | 0.0436% | 2,003 |
| Credit loss provision to net charge-offs | 1,016.7331% | 814 |
| Earnings coverage of net charge-offs (x) | 59.5060% | 1,104 |
| Efficiency ratio | 63.4665% | 2,831 |
| Assets per employee ($millions) | 4.6263% | 3,688 |
| Cash dividends to net income (ytd only)* | 71.1158% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 4,606 |
| Loan loss allowance to noncurrent loans | 60.2752% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,665 |
| Noncurrent loans to loans | 1.1283% | 1,342 |
| Net loans and leases to total assets | 60.7728% | 3,132 |
| Net loans and leases to deposits | 72.1588% | 3,119 |
| Net loans and leases to core deposits | 76.2730% | 3,146 |
| Total domestic deposits to total assets | 84.2209% | 2,747 |
| Equity capital to assets | 11.4993% | 2,005 |
| Core capital (leverage) ratio | 11.5601% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,246,524,000 | 716 |
| Average earning assets | $1,158,031,000 | 712 |
| Average equity | $151,109,500 | 658 |
| Average total loans | $767,783,000 | 803 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 2,059 |
| Cost of funding earning assets | 0.4109% | 3,992 |
| Net interest margin | 4.0444% | 1,236 |
| Noninterest income to average assets | 0.7029% | 1,725 |
| Noninterest expense to average assets | 2.8296% | 2,022 |
| Loan and lease loss provision to assets | 0.3111% | 1,386 |
| Net operating income to assets | 1.3266% | 1,287 |
| Return on assets (ROA) | 1.3309% | 1,378 |
| Pretax return on assets | 1.3309% | 1,932 |
| Return on Equity (ROE) | 10.7754% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.0074% | 3,388 |
| Net charge-offs to loans | 0.0362% | 2,010 |
| Credit loss provision to net charge-offs | 1,391.1765% | 632 |
| Earnings coverage of net charge-offs (x) | 73.2353% | 856 |
| Efficiency ratio | 63.3406% | 2,907 |
| Assets per employee ($millions) | 4.5518% | 3,720 |
| Cash dividends to net income (ytd only)* | 72.0904% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6380% | 4,693 |
| Loan loss allowance to noncurrent loans | 42.7731% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 1,309 |
| Noncurrent loans to loans | 1.4916% | 1,016 |
| Net loans and leases to total assets | 60.0433% | 3,321 |
| Net loans and leases to deposits | 71.3891% | 3,315 |
| Net loans and leases to core deposits | 75.6723% | 3,310 |
| Total domestic deposits to total assets | 84.1071% | 2,718 |
| Equity capital to assets | 11.7164% | 1,825 |
| Core capital (leverage) ratio | 12.0678% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1604% | 1,023 |
| Memoranda: | ||
| Average total assets | $1,216,363,000 | 721 |
| Average earning assets | $1,132,145,667 | 715 |
| Average equity | $150,230,667 | 660 |
| Average total loans | $751,010,667 | 809 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,554 |
| Cost of funding earning assets | 0.5086% | 3,905 |
| Net interest margin | 4.2426% | 843 |
| Noninterest income to average assets | 0.8002% | 1,314 |
| Noninterest expense to average assets | 2.9270% | 2,053 |
| Loan and lease loss provision to assets | 0.3357% | 917 |
| Net operating income to assets | 1.4921% | 799 |
| Return on assets (ROA) | 1.4993% | 858 |
| Pretax return on assets | 1.4993% | 1,306 |
| Return on Equity (ROE) | 11.8027% | 1,157 |
| Retained earnings to average equity (ytd only) | 0.1717% | 3,948 |
| Net charge-offs to loans | 0.0218% | 1,932 |
| Credit loss provision to net charge-offs | 2,462.5000% | 300 |
| Earnings coverage of net charge-offs (x) | 134.0750% | 469 |
| Efficiency ratio | 61.5583% | 3,546 |
| Assets per employee ($millions) | 3.9817% | 3,937 |
| Cash dividends to net income (ytd only)* | 98.5451% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 4,805 |
| Loan loss allowance to noncurrent loans | 36.3510% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 1,307 |
| Noncurrent loans to loans | 1.5627% | 1,001 |
| Net loans and leases to total assets | 62.4665% | 3,248 |
| Net loans and leases to deposits | 74.9769% | 3,172 |
| Net loans and leases to core deposits | 80.9345% | 3,116 |
| Total domestic deposits to total assets | 83.3143% | 3,012 |
| Equity capital to assets | 12.6935% | 1,626 |
| Core capital (leverage) ratio | 12.7023% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7644% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,173,643,000 | 713 |
| Average earning assets | $1,093,945,000 | 701 |
| Average equity | $149,084,000 | 660 |
| Average total loans | $733,183,500 | 805 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 1,186 |
| Cost of funding earning assets | 0.4981% | 4,097 |
| Net interest margin | 4.6177% | 550 |
| Noninterest income to average assets | 0.7257% | 1,724 |
| Noninterest expense to average assets | 3.0972% | 1,767 |
| Loan and lease loss provision to assets | 0.0065% | 3,873 |
| Net operating income to assets | 1.9156% | 419 |
| Return on assets (ROA) | 1.9276% | 425 |
| Pretax return on assets | 1.9276% | 699 |
| Return on Equity (ROE) | 14.6636% | 758 |
| Retained earnings to average equity (ytd only) | 6.2233% | 1,759 |
| Net charge-offs to loans | 0.0120% | 3,259 |
| Credit loss provision to net charge-offs | 82.3529% | 2,763 |
| Earnings coverage of net charge-offs (x) | 244.5647% | 338 |
| Efficiency ratio | 61.7058% | 3,423 |
| Assets per employee ($millions) | 4.0437% | 3,854 |
| Cash dividends to net income (ytd only)* | 57.5595% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4479% | 4,947 |
| Loan loss allowance to noncurrent loans | 41.8280% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 1,775 |
| Noncurrent loans to loans | 1.0709% | 1,414 |
| Net loans and leases to total assets | 61.8393% | 3,412 |
| Net loans and leases to deposits | 74.3218% | 3,322 |
| Net loans and leases to core deposits | 79.6075% | 3,332 |
| Total domestic deposits to total assets | 83.2048% | 3,137 |
| Equity capital to assets | 12.7118% | 1,699 |
| Core capital (leverage) ratio | 13.1506% | 1,171 |
| Tier 1 risk-based capital ratio | 15.2266% | 2,685 |
| Total risk-based capital ratio | 15.5600% | 3,032 |
| Memoranda: | ||
| Average total assets | $1,081,542,000 | 736 |
| Average earning assets | $1,005,600,400 | 724 |
| Average equity | $142,174,800 | 658 |
| Average total loans | $708,586,000 | 799 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 1,156 |
| Cost of funding earning assets | 0.4991% | 4,145 |
| Net interest margin | 4.6509% | 549 |
| Noninterest income to average assets | 1.6969% | 338 |
| Noninterest expense to average assets | 4.0499% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9633% | 425 |
| Return on assets (ROA) | 1.9796% | 430 |
| Pretax return on assets | 1.9796% | 720 |
| Return on Equity (ROE) | 14.9229% | 792 |
| Retained earnings to average equity (ytd only) | 3.5314% | 3,642 |
| Net charge-offs to loans | 0.0117% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 251.4656% | 369 |
| Efficiency ratio | 67.3508% | 2,516 |
| Assets per employee ($millions) | 3.9217% | 4,001 |
| Cash dividends to net income (ytd only)* | 76.3359% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4500% | 5,023 |
| Loan loss allowance to noncurrent loans | 42.4442% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,686 |
| Noncurrent loans to loans | 1.0602% | 1,510 |
| Net loans and leases to total assets | 65.2573% | 3,150 |
| Net loans and leases to deposits | 78.4187% | 3,055 |
| Net loans and leases to core deposits | 83.0433% | 3,179 |
| Total domestic deposits to total assets | 83.2166% | 3,092 |
| Equity capital to assets | 13.1982% | 1,512 |
| Core capital (leverage) ratio | 13.3442% | 1,195 |
| Tier 1 risk-based capital ratio | 17.8741% | 1,857 |
| Total risk-based capital ratio | 18.2726% | 2,030 |
| Memoranda: | ||
| Average total assets | $1,058,759,500 | 747 |
| Average earning assets | $982,586,250 | 740 |
| Average equity | $140,451,500 | 659 |
| Average total loans | $703,623,750 | 810 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 1,317 |
| Cost of funding earning assets | 0.4804% | 4,205 |
| Net interest margin | 4.5800% | 645 |
| Noninterest income to average assets | 1.7043% | 332 |
| Noninterest expense to average assets | 4.0505% | 501 |
| Loan and lease loss provision to assets | 0.0025% | 3,655 |
| Net operating income to assets | 1.9184% | 455 |
| Return on assets (ROA) | 1.9432% | 453 |
| Pretax return on assets | 1.9432% | 764 |
| Return on Equity (ROE) | 14.6226% | 847 |
| Retained earnings to average equity (ytd only) | 1.7013% | 4,209 |
| Net charge-offs to loans | 0.0149% | 2,609 |
| Credit loss provision to net charge-offs | 25.0000% | 2,627 |
| Earnings coverage of net charge-offs (x) | 193.6154% | 400 |
| Efficiency ratio | 67.8318% | 2,564 |
| Assets per employee ($millions) | 3.6117% | 4,367 |
| Cash dividends to net income (ytd only)* | 88.3652% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4492% | 5,068 |
| Loan loss allowance to noncurrent loans | 44.7067% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 1,823 |
| Noncurrent loans to loans | 1.0047% | 1,632 |
| Net loans and leases to total assets | 67.3780% | 2,910 |
| Net loans and leases to deposits | 80.8089% | 2,868 |
| Net loans and leases to core deposits | 84.0805% | 3,104 |
| Total domestic deposits to total assets | 83.3794% | 3,083 |
| Equity capital to assets | 13.2456% | 1,473 |
| Core capital (leverage) ratio | 13.3605% | 1,166 |
| Tier 1 risk-based capital ratio | 17.3065% | 1,995 |
| Total risk-based capital ratio | 17.7032% | 2,202 |
| Memoranda: | ||
| Average total assets | $1,048,265,670 | 750 |
| Average earning assets | $976,633,670 | 743 |
| Average equity | $139,304,670 | 660 |
| Average total loans | $699,939,000 | 815 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 1,282 |
| Cost of funding earning assets | 0.4575% | 4,253 |
| Net interest margin | 4.5661% | 653 |
| Noninterest income to average assets | 1.6771% | 319 |
| Noninterest expense to average assets | 4.0578% | 496 |
| Loan and lease loss provision to assets | 0.0012% | 3,401 |
| Net operating income to assets | 1.8691% | 489 |
| Return on assets (ROA) | 1.9191% | 461 |
| Pretax return on assets | 1.9191% | 758 |
| Return on Equity (ROE) | 14.4168% | 873 |
| Retained earnings to average equity (ytd only) | 5.7459% | 2,570 |
| Net charge-offs to loans | 0.0273% | 1,909 |
| Credit loss provision to net charge-offs | 6.3830% | 2,192 |
| Earnings coverage of net charge-offs (x) | 103.4255% | 654 |
| Efficiency ratio | 68.4515% | 2,574 |
| Assets per employee ($millions) | 3.7034% | 4,339 |
| Cash dividends to net income (ytd only)* | 60.1443% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 5,119 |
| Loan loss allowance to noncurrent loans | 129.1018% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,303 |
| Noncurrent loans to loans | 0.3621% | 3,281 |
| Net loans and leases to total assets | 65.4584% | 3,121 |
| Net loans and leases to deposits | 78.7974% | 2,968 |
| Net loans and leases to core deposits | 81.4866% | 3,228 |
| Total domestic deposits to total assets | 83.0717% | 3,357 |
| Equity capital to assets | 13.3421% | 1,276 |
| Core capital (leverage) ratio | 13.6148% | 1,054 |
| Tier 1 risk-based capital ratio | 18.0825% | 1,779 |
| Total risk-based capital ratio | 18.4908% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,039,671,000 | 757 |
| Average earning assets | $967,910,500 | 748 |
| Average equity | $138,394,000 | 662 |
| Average total loans | $689,348,000 | 829 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 1,269 |
| Cost of funding earning assets | 0.3099% | 4,522 |
| Net interest margin | 4.5963% | 609 |
| Noninterest income to average assets | 0.9614% | 1,037 |
| Noninterest expense to average assets | 3.3041% | 1,311 |
| Loan and lease loss provision to assets | 0.0619% | 2,917 |
| Net operating income to assets | 1.8746% | 474 |
| Return on assets (ROA) | 1.9014% | 438 |
| Pretax return on assets | 1.9014% | 720 |
| Return on Equity (ROE) | 14.4711% | 945 |
| Retained earnings to average equity (ytd only) | 5.7192% | 2,344 |
| Net charge-offs to loans | 0.0973% | 1,789 |
| Credit loss provision to net charge-offs | 95.9690% | 2,627 |
| Earnings coverage of net charge-offs (x) | 30.0248% | 1,600 |
| Efficiency ratio | 63.0476% | 3,336 |
| Assets per employee ($millions) | 3.6831% | 4,345 |
| Cash dividends to net income (ytd only)* | 60.4786% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4772% | 5,144 |
| Loan loss allowance to noncurrent loans | 202.4707% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 3,620 |
| Noncurrent loans to loans | 0.2357% | 3,740 |
| Net loans and leases to total assets | 66.5367% | 3,053 |
| Net loans and leases to deposits | 79.8170% | 2,974 |
| Net loans and leases to core deposits | 81.8360% | 3,277 |
| Total domestic deposits to total assets | 83.3616% | 3,208 |
| Equity capital to assets | 13.2798% | 1,223 |
| Core capital (leverage) ratio | 13.5622% | 1,057 |
| Tier 1 risk-based capital ratio | 17.8109% | 1,810 |
| Total risk-based capital ratio | 18.2379% | 2,018 |
| Memoranda: | ||
| Average total assets | $1,000,028,000 | 765 |
| Average earning assets | $931,043,800 | 757 |
| Average equity | $131,399,800 | 661 |
| Average total loans | $662,648,400 | 827 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,354 |
| Cost of funding earning assets | 0.2756% | 4,653 |
| Net interest margin | 4.5510% | 672 |
| Noninterest income to average assets | 1.0590% | 844 |
| Noninterest expense to average assets | 3.2971% | 1,308 |
| Loan and lease loss provision to assets | 0.0043% | 3,887 |
| Net operating income to assets | 1.9970% | 381 |
| Return on assets (ROA) | 2.0083% | 366 |
| Pretax return on assets | 2.0083% | 607 |
| Return on Equity (ROE) | 15.3263% | 818 |
| Retained earnings to average equity (ytd only) | 3.5439% | 3,996 |
| Net charge-offs to loans | 0.1117% | 1,379 |
| Credit loss provision to net charge-offs | 5.8182% | 3,071 |
| Earnings coverage of net charge-offs (x) | 27.1034% | 1,713 |
| Efficiency ratio | 62.2282% | 3,474 |
| Assets per employee ($millions) | 3.5502% | 4,493 |
| Cash dividends to net income (ytd only)* | 76.8768% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4067% | 5,278 |
| Loan loss allowance to noncurrent loans | 94.0581% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 3,154 |
| Noncurrent loans to loans | 0.4324% | 3,108 |
| Net loans and leases to total assets | 67.9047% | 2,959 |
| Net loans and leases to deposits | 82.8694% | 2,726 |
| Net loans and leases to core deposits | 84.5168% | 3,118 |
| Total domestic deposits to total assets | 81.9418% | 3,628 |
| Equity capital to assets | 13.0756% | 1,301 |
| Core capital (leverage) ratio | 13.4237% | 1,132 |
| Tier 1 risk-based capital ratio | 17.5966% | 1,899 |
| Total risk-based capital ratio | 17.9531% | 2,153 |
| Memoranda: | ||
| Average total assets | $993,141,500 | 769 |
| Average earning assets | $925,140,000 | 757 |
| Average equity | $130,134,750 | 661 |
| Average total loans | $656,562,500 | 835 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,443 |
| Cost of funding earning assets | 0.2425% | 4,786 |
| Net interest margin | 4.4809% | 723 |
| Noninterest income to average assets | 1.0622% | 857 |
| Noninterest expense to average assets | 3.3062% | 1,309 |
| Loan and lease loss provision to assets | 0.0038% | 3,738 |
| Net operating income to assets | 1.9289% | 434 |
| Return on assets (ROA) | 1.9489% | 420 |
| Pretax return on assets | 1.9489% | 689 |
| Return on Equity (ROE) | 14.8625% | 881 |
| Retained earnings to average equity (ytd only) | 1.7576% | 4,544 |
| Net charge-offs to loans | -0.0631% | 4,998 |
| Credit loss provision to net charge-offs | -9.3137% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1087% | 3,450 |
| Assets per employee ($millions) | 3.5173% | 4,573 |
| Cash dividends to net income (ytd only)* | 88.1743% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 5,231 |
| Loan loss allowance to noncurrent loans | 172.8922% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 3,598 |
| Noncurrent loans to loans | 0.3005% | 3,624 |
| Net loans and leases to total assets | 66.6716% | 3,056 |
| Net loans and leases to deposits | 83.5563% | 2,585 |
| Net loans and leases to core deposits | 84.8379% | 3,020 |
| Total domestic deposits to total assets | 79.7925% | 4,283 |
| Equity capital to assets | 12.7986% | 1,393 |
| Core capital (leverage) ratio | 13.4224% | 1,088 |
| Tier 1 risk-based capital ratio | 17.5346% | 1,934 |
| Total risk-based capital ratio | 17.9940% | 2,126 |
| Memoranda: | ||
| Average total assets | $989,284,330 | 772 |
| Average earning assets | $922,130,000 | 761 |
| Average equity | $129,722,330 | 660 |
| Average total loans | $647,072,330 | 847 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,417 |
| Cost of funding earning assets | 0.2285% | 4,844 |
| Net interest margin | 4.4278% | 725 |
| Noninterest income to average assets | 1.1021% | 764 |
| Noninterest expense to average assets | 3.3692% | 1,217 |
| Loan and lease loss provision to assets | 0.0033% | 3,473 |
| Net operating income to assets | 1.8620% | 498 |
| Return on assets (ROA) | 1.8952% | 460 |
| Pretax return on assets | 1.8952% | 734 |
| Return on Equity (ROE) | 14.2757% | 950 |
| Retained earnings to average equity (ytd only) | -2.6788% | 5,059 |
| Net charge-offs to loans | 0.0203% | 2,092 |
| Credit loss provision to net charge-offs | 25.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 142.4375% | 454 |
| Efficiency ratio | 64.3656% | 3,425 |
| Assets per employee ($millions) | 3.2460% | 4,958 |
| Cash dividends to net income (ytd only)* | 118.7648% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 5,312 |
| Loan loss allowance to noncurrent loans | 113.6127% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,606 |
| Noncurrent loans to loans | 0.4533% | 3,177 |
| Net loans and leases to total assets | 64.8475% | 3,194 |
| Net loans and leases to deposits | 78.2037% | 2,998 |
| Net loans and leases to core deposits | 79.5492% | 3,359 |
| Total domestic deposits to total assets | 82.9213% | 3,694 |
| Equity capital to assets | 13.1238% | 1,184 |
| Core capital (leverage) ratio | 13.2918% | 1,073 |
| Tier 1 risk-based capital ratio | 18.2799% | 1,750 |
| Total risk-based capital ratio | 18.7320% | 1,936 |
| Memoranda: | ||
| Average total assets | $977,430,000 | 782 |
| Average earning assets | $912,229,500 | 767 |
| Average equity | $129,759,000 | 659 |
| Average total loans | $631,155,500 | 865 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,155 |
| Cost of funding earning assets | 0.1686% | 5,164 |
| Net interest margin | 4.1897% | 1,210 |
| Noninterest income to average assets | 1.2735% | 655 |
| Noninterest expense to average assets | 3.4349% | 1,147 |
| Loan and lease loss provision to assets | 0.0804% | 2,595 |
| Net operating income to assets | 1.6820% | 544 |
| Return on assets (ROA) | 1.6725% | 577 |
| Pretax return on assets | 1.6725% | 1,090 |
| Return on Equity (ROE) | 12.6473% | 1,039 |
| Retained earnings to average equity (ytd only) | 6.2749% | 1,394 |
| Net charge-offs to loans | 0.0756% | 2,369 |
| Credit loss provision to net charge-offs | 177.1363% | 1,529 |
| Earnings coverage of net charge-offs (x) | 38.8245% | 1,291 |
| Efficiency ratio | 66.0898% | 3,250 |
| Assets per employee ($millions) | 3.3372% | 4,901 |
| Cash dividends to net income (ytd only)* | 50.3855% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 5,358 |
| Loan loss allowance to noncurrent loans | 57.7521% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,558 |
| Noncurrent loans to loans | 0.9147% | 1,951 |
| Net loans and leases to total assets | 63.6253% | 3,407 |
| Net loans and leases to deposits | 78.2424% | 3,092 |
| Net loans and leases to core deposits | 79.5280% | 3,453 |
| Total domestic deposits to total assets | 81.3181% | 4,048 |
| Equity capital to assets | 13.4272% | 1,089 |
| Core capital (leverage) ratio | 13.3692% | 1,013 |
| Tier 1 risk-based capital ratio | 18.5848% | 1,624 |
| Total risk-based capital ratio | 19.0489% | 1,805 |
| Memoranda: | ||
| Average total assets | $953,859,800 | 775 |
| Average earning assets | $893,326,400 | 758 |
| Average equity | $126,138,000 | 655 |
| Average total loans | $572,469,000 | 903 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 2,339 |
| Cost of funding earning assets | 0.1624% | 5,241 |
| Net interest margin | 4.1123% | 1,362 |
| Noninterest income to average assets | 1.3391% | 582 |
| Noninterest expense to average assets | 3.3995% | 1,156 |
| Loan and lease loss provision to assets | 0.1055% | 2,003 |
| Net operating income to assets | 1.6909% | 588 |
| Return on assets (ROA) | 1.6597% | 648 |
| Pretax return on assets | 1.6597% | 1,216 |
| Return on Equity (ROE) | 12.6005% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.0464% | 3,510 |
| Net charge-offs to loans | 0.0780% | 2,027 |
| Credit loss provision to net charge-offs | 229.3578% | 1,216 |
| Earnings coverage of net charge-offs (x) | 39.0550% | 1,326 |
| Efficiency ratio | 65.4268% | 3,306 |
| Assets per employee ($millions) | 3.1709% | 5,105 |
| Cash dividends to net income (ytd only)* | 67.8871% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 5,366 |
| Loan loss allowance to noncurrent loans | 59.1837% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,692 |
| Noncurrent loans to loans | 0.9720% | 1,982 |
| Net loans and leases to total assets | 61.8544% | 3,669 |
| Net loans and leases to deposits | 76.1632% | 3,357 |
| Net loans and leases to core deposits | 77.5569% | 3,676 |
| Total domestic deposits to total assets | 81.2130% | 3,993 |
| Equity capital to assets | 13.5091% | 1,156 |
| Core capital (leverage) ratio | 13.4088% | 1,056 |
| Tier 1 risk-based capital ratio | 17.8056% | 1,910 |
| Total risk-based capital ratio | 18.2769% | 2,103 |
| Memoranda: | ||
| Average total assets | $947,872,750 | 786 |
| Average earning assets | $888,978,250 | 767 |
| Average equity | $124,849,500 | 663 |
| Average total loans | $559,227,000 | 922 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,536 |
| Cost of funding earning assets | 0.1588% | 5,282 |
| Net interest margin | 4.0242% | 1,534 |
| Noninterest income to average assets | 1.3648% | 574 |
| Noninterest expense to average assets | 3.3813% | 1,207 |
| Loan and lease loss provision to assets | 0.2885% | 542 |
| Net operating income to assets | 1.4748% | 909 |
| Return on assets (ROA) | 1.4433% | 993 |
| Pretax return on assets | 1.4433% | 1,847 |
| Return on Equity (ROE) | 11.0525% | 1,624 |
| Retained earnings to average equity (ytd only) | 1.3412% | 4,716 |
| Net charge-offs to loans | 0.0346% | 2,497 |
| Credit loss provision to net charge-offs | 1,438.9474% | 301 |
| Earnings coverage of net charge-offs (x) | 87.9579% | 711 |
| Efficiency ratio | 65.7260% | 3,398 |
| Assets per employee ($millions) | 2.8726% | 5,379 |
| Cash dividends to net income (ytd only)* | 87.8655% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 5,112 |
| Loan loss allowance to noncurrent loans | 59.1879% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 2,048 |
| Noncurrent loans to loans | 1.2506% | 1,546 |
| Net loans and leases to total assets | 61.4998% | 3,688 |
| Net loans and leases to deposits | 75.4330% | 3,416 |
| Net loans and leases to core deposits | 77.0429% | 3,675 |
| Total domestic deposits to total assets | 81.5290% | 4,036 |
| Equity capital to assets | 13.4870% | 1,150 |
| Core capital (leverage) ratio | 12.8491% | 1,242 |
| Tier 1 risk-based capital ratio | 17.9477% | 1,867 |
| Total risk-based capital ratio | 18.5557% | 2,017 |
| Memoranda: | ||
| Average total assets | $947,800,330 | 789 |
| Average earning assets | $890,212,330 | 771 |
| Average equity | $123,773,330 | 669 |
| Average total loans | $549,026,670 | 938 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,000 |
| Cost of funding earning assets | 0.1269% | 5,519 |
| Net interest margin | 3.8828% | 1,842 |
| Noninterest income to average assets | 0.5913% | 2,455 |
| Noninterest expense to average assets | 2.6092% | 3,464 |
| Loan and lease loss provision to assets | 0.0592% | 2,624 |
| Net operating income to assets | 1.5846% | 701 |
| Return on assets (ROA) | 1.5821% | 718 |
| Pretax return on assets | 1.5821% | 1,284 |
| Return on Equity (ROE) | 12.3097% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.6974% | 2,495 |
| Net charge-offs to loans | 0.0246% | 2,268 |
| Credit loss provision to net charge-offs | 430.3030% | 623 |
| Earnings coverage of net charge-offs (x) | 119.4545% | 459 |
| Efficiency ratio | 61.3492% | 4,252 |
| Assets per employee ($millions) | 3.8333% | 4,293 |
| Cash dividends to net income (ytd only)* | 53.7164% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 5,528 |
| Loan loss allowance to noncurrent loans | 38.9648% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,963 |
| Noncurrent loans to loans | 1.4505% | 1,388 |
| Net loans and leases to total assets | 55.2009% | 4,236 |
| Net loans and leases to deposits | 71.2879% | 3,671 |
| Net loans and leases to core deposits | 72.8476% | 3,926 |
| Total domestic deposits to total assets | 77.4337% | 5,052 |
| Equity capital to assets | 12.6612% | 1,435 |
| Core capital (leverage) ratio | 13.2795% | 1,046 |
| Tier 1 risk-based capital ratio | 28.3371% | 536 |
| Total risk-based capital ratio | 29.0288% | 562 |
| Memoranda: | ||
| Average total assets | $959,213,500 | 787 |
| Average earning assets | $904,602,000 | 763 |
| Average equity | $123,284,500 | 671 |
| Average total loans | $536,990,500 | 956 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,205 |
| Cost of funding earning assets | 0.1080% | 5,666 |
| Net interest margin | 3.8894% | 1,997 |
| Noninterest income to average assets | 0.6954% | 2,196 |
| Noninterest expense to average assets | 2.7163% | 3,296 |
| Loan and lease loss provision to assets | 0.0039% | 4,281 |
| Net operating income to assets | 1.5165% | 803 |
| Return on assets (ROA) | 1.5157% | 833 |
| Pretax return on assets | 1.6504% | 1,131 |
| Return on Equity (ROE) | 11.3743% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.1602% | 1,623 |
| Net charge-offs to loans | 0.0948% | 2,348 |
| Credit loss provision to net charge-offs | 7.3684% | 3,754 |
| Earnings coverage of net charge-offs (x) | 31.4505% | 1,389 |
| Efficiency ratio | 62.1376% | 4,222 |
| Assets per employee ($millions) | 3.8406% | 4,236 |
| Cash dividends to net income (ytd only)* | 45.8406% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 5,587 |
| Loan loss allowance to noncurrent loans | 31.7681% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 1,613 |
| Noncurrent loans to loans | 1.7666% | 1,082 |
| Net loans and leases to total assets | 56.1553% | 4,254 |
| Net loans and leases to deposits | 68.8209% | 4,025 |
| Net loans and leases to core deposits | 70.3055% | 4,214 |
| Total domestic deposits to total assets | 81.5962% | 4,181 |
| Equity capital to assets | 13.0531% | 1,235 |
| Core capital (leverage) ratio | 13.4725% | 982 |
| Tier 1 risk-based capital ratio | 28.4956% | 542 |
| Total risk-based capital ratio | 29.1760% | 561 |
| Memoranda: | ||
| Average total assets | $902,583,000 | 798 |
| Average earning assets | $853,069,400 | 767 |
| Average equity | $120,271,600 | 663 |
| Average total loans | $501,190,000 | 973 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,349 |
| Cost of funding earning assets | 0.1081% | 5,728 |
| Net interest margin | 3.8572% | 2,129 |
| Noninterest income to average assets | 0.7310% | 2,041 |
| Noninterest expense to average assets | 2.6906% | 3,376 |
| Loan and lease loss provision to assets | 0.0040% | 4,142 |
| Net operating income to assets | 1.5058% | 869 |
| Return on assets (ROA) | 1.5047% | 923 |
| Pretax return on assets | 1.6861% | 1,151 |
| Return on Equity (ROE) | 11.2323% | 1,581 |
| Retained earnings to average equity (ytd only) | 4.3074% | 3,255 |
| Net charge-offs to loans | 0.0213% | 3,263 |
| Credit loss provision to net charge-offs | 34.1772% | 3,193 |
| Earnings coverage of net charge-offs (x) | 143.5452% | 483 |
| Efficiency ratio | 61.4023% | 4,324 |
| Assets per employee ($millions) | 3.8340% | 4,242 |
| Cash dividends to net income (ytd only)* | 61.6514% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 5,539 |
| Loan loss allowance to noncurrent loans | 37.0150% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 1,800 |
| Noncurrent loans to loans | 1.7440% | 1,194 |
| Net loans and leases to total assets | 55.4715% | 4,362 |
| Net loans and leases to deposits | 68.8657% | 4,079 |
| Net loans and leases to core deposits | 70.3248% | 4,299 |
| Total domestic deposits to total assets | 80.5503% | 4,374 |
| Equity capital to assets | 13.1541% | 1,412 |
| Core capital (leverage) ratio | 13.3022% | 1,069 |
| Tier 1 risk-based capital ratio | 31.6777% | 424 |
| Total risk-based capital ratio | 32.5602% | 431 |
| Memoranda: | ||
| Average total assets | $893,953,750 | 807 |
| Average earning assets | $846,159,250 | 777 |
| Average equity | $119,759,250 | 671 |
| Average total loans | $494,187,250 | 985 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,526 |
| Cost of funding earning assets | 0.1088% | 5,817 |
| Net interest margin | 3.8152% | 2,254 |
| Noninterest income to average assets | 0.5961% | 2,640 |
| Noninterest expense to average assets | 2.7775% | 3,099 |
| Loan and lease loss provision to assets | 0.0027% | 3,980 |
| Net operating income to assets | 1.1517% | 1,769 |
| Return on assets (ROA) | 1.1502% | 1,891 |
| Pretax return on assets | 1.4262% | 1,927 |
| Return on Equity (ROE) | 8.5317% | 2,733 |
| Retained earnings to average equity (ytd only) | 1.2388% | 4,887 |
| Net charge-offs to loans | 0.0124% | 3,299 |
| Credit loss provision to net charge-offs | 40.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | 210.1667% | 310 |
| Efficiency ratio | 66.0016% | 3,681 |
| Assets per employee ($millions) | 3.8218% | 4,232 |
| Cash dividends to net income (ytd only)* | 85.4804% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 5,596 |
| Loan loss allowance to noncurrent loans | 36.7976% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 1,711 |
| Noncurrent loans to loans | 1.7841% | 1,166 |
| Net loans and leases to total assets | 58.1404% | 4,099 |
| Net loans and leases to deposits | 72.3123% | 3,758 |
| Net loans and leases to core deposits | 73.9749% | 3,985 |
| Total domestic deposits to total assets | 80.4018% | 4,451 |
| Equity capital to assets | 13.5066% | 1,236 |
| Core capital (leverage) ratio | 13.3463% | 1,041 |
| Tier 1 risk-based capital ratio | 28.5368% | 562 |
| Total risk-based capital ratio | 29.3605% | 574 |
| Memoranda: | ||
| Average total assets | $881,382,000 | 821 |
| Average earning assets | $834,445,670 | 790 |
| Average equity | $118,828,000 | 673 |
| Average total loans | $485,526,670 | 1,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 3,773 |
| Cost of funding earning assets | 0.1052% | 5,892 |
| Net interest margin | 3.7438% | 2,506 |
| Noninterest income to average assets | 0.5269% | 2,954 |
| Noninterest expense to average assets | 2.8538% | 2,872 |
| Loan and lease loss provision to assets | -0.0014% | 5,857 |
| Net operating income to assets | 1.2127% | 1,515 |
| Return on assets (ROA) | 1.2096% | 1,624 |
| Pretax return on assets | 1.2096% | 2,662 |
| Return on Equity (ROE) | 8.9799% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.9799% | 1,126 |
| Net charge-offs to loans | 0.0077% | 2,860 |
| Credit loss provision to net charge-offs | -33.3333% | 4,124 |
| Earnings coverage of net charge-offs (x) | 296.3333% | 204 |
| Efficiency ratio | 70.2011% | 3,082 |
| Assets per employee ($millions) | 3.6335% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 5,573 |
| Loan loss allowance to noncurrent loans | 43.0999% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 2,065 |
| Noncurrent loans to loans | 1.6485% | 1,375 |
| Net loans and leases to total assets | 54.0047% | 4,453 |
| Net loans and leases to deposits | 66.5565% | 4,204 |
| Net loans and leases to core deposits | 68.0931% | 4,396 |
| Total domestic deposits to total assets | 81.1411% | 4,451 |
| Equity capital to assets | 13.6705% | 1,107 |
| Core capital (leverage) ratio | 13.5967% | 948 |
| Tier 1 risk-based capital ratio | 34.4141% | 352 |
| Total risk-based capital ratio | 35.3938% | 358 |
| Memoranda: | ||
| Average total assets | $880,652,000 | 827 |
| Average earning assets | $832,312,500 | 798 |
| Average equity | $118,621,000 | 676 |
| Average total loans | $469,950,000 | 1,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,820 |
| Cost of funding earning assets | 0.1070% | 5,934 |
| Net interest margin | 3.7612% | 2,518 |
| Noninterest income to average assets | 1.3070% | 710 |
| Noninterest expense to average assets | 3.3225% | 1,671 |
| Loan and lease loss provision to assets | 0.0908% | 2,487 |
| Net operating income to assets | 1.1019% | 1,918 |
| Return on assets (ROA) | 1.1001% | 2,000 |
| Pretax return on assets | 1.4346% | 1,770 |
| Return on Equity (ROE) | 8.0395% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,269 |
| Net charge-offs to loans | 0.2014% | 1,449 |
| Credit loss provision to net charge-offs | 86.7882% | 2,818 |
| Earnings coverage of net charge-offs (x) | 14.6071% | 2,278 |
| Efficiency ratio | 68.5021% | 3,476 |
| Assets per employee ($millions) | 3.6597% | 4,547 |
| Cash dividends to net income (ytd only)* | 35.1922% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 5,563 |
| Loan loss allowance to noncurrent loans | 45.6554% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 1,424 |
| Noncurrent loans to loans | 1.6179% | 1,416 |
| Net loans and leases to total assets | 51.9531% | 4,702 |
| Net loans and leases to deposits | 62.7746% | 4,569 |
| Net loans and leases to core deposits | 64.2439% | 4,727 |
| Total domestic deposits to total assets | 82.7614% | 3,923 |
| Equity capital to assets | 13.2695% | 1,222 |
| Core capital (leverage) ratio | 13.4631% | 984 |
| Tier 1 risk-based capital ratio | 34.0776% | 360 |
| Total risk-based capital ratio | 35.0719% | 365 |
| Memoranda: | ||
| Average total assets | $839,480,000 | 825 |
| Average earning assets | $790,843,000 | 797 |
| Average equity | $114,871,000 | 668 |
| Average total loans | $435,857,800 | 1,055 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 3,976 |
| Cost of funding earning assets | 0.1099% | 6,017 |
| Net interest margin | 3.7262% | 2,660 |
| Noninterest income to average assets | 1.4572% | 577 |
| Noninterest expense to average assets | 3.4085% | 1,465 |
| Loan and lease loss provision to assets | 0.0830% | 2,512 |
| Net operating income to assets | 1.1675% | 1,764 |
| Return on assets (ROA) | 1.1651% | 1,846 |
| Pretax return on assets | 1.4759% | 1,749 |
| Return on Equity (ROE) | 8.4467% | 2,847 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,007 |
| Net charge-offs to loans | 0.2363% | 1,112 |
| Credit loss provision to net charge-offs | 67.8055% | 2,805 |
| Earnings coverage of net charge-offs (x) | 12.7595% | 2,376 |
| Efficiency ratio | 68.5750% | 3,435 |
| Assets per employee ($millions) | 3.1055% | 5,421 |
| Cash dividends to net income (ytd only)* | 23.9818% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 5,691 |
| Loan loss allowance to noncurrent loans | 47.0259% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 1,583 |
| Noncurrent loans to loans | 1.5250% | 1,645 |
| Net loans and leases to total assets | 52.9958% | 4,666 |
| Net loans and leases to deposits | 64.0682% | 4,556 |
| Net loans and leases to core deposits | 65.4984% | 4,727 |
| Total domestic deposits to total assets | 82.7178% | 3,912 |
| Equity capital to assets | 13.6236% | 1,167 |
| Core capital (leverage) ratio | 13.4372% | 1,043 |
| Tier 1 risk-based capital ratio | 23.5864% | 989 |
| Total risk-based capital ratio | 24.2512% | 1,038 |
| Memoranda: | ||
| Average total assets | $828,850,250 | 851 |
| Average earning assets | $781,475,500 | 818 |
| Average equity | $114,329,500 | 675 |
| Average total loans | $429,413,250 | 1,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,097 |
| Cost of funding earning assets | 0.1120% | 6,081 |
| Net interest margin | 3.6796% | 2,799 |
| Noninterest income to average assets | 1.4081% | 639 |
| Noninterest expense to average assets | 3.3077% | 1,682 |
| Loan and lease loss provision to assets | -0.0007% | 5,920 |
| Net operating income to assets | 1.2837% | 1,365 |
| Return on assets (ROA) | 1.2819% | 1,435 |
| Pretax return on assets | 1.5711% | 1,423 |
| Return on Equity (ROE) | 9.2533% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.4703% | 1,492 |
| Net charge-offs to loans | 0.3619% | 719 |
| Credit loss provision to net charge-offs | -0.3947% | 4,650 |
| Earnings coverage of net charge-offs (x) | 8.4776% | 2,561 |
| Efficiency ratio | 67.7769% | 3,703 |
| Assets per employee ($millions) | 3.1268% | 5,434 |
| Cash dividends to net income (ytd only)* | 19.2688% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 5,931 |
| Loan loss allowance to noncurrent loans | 38.5678% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 1,411 |
| Noncurrent loans to loans | 1.6298% | 1,604 |
| Net loans and leases to total assets | 52.3211% | 4,725 |
| Net loans and leases to deposits | 63.4634% | 4,578 |
| Net loans and leases to core deposits | 64.9464% | 4,738 |
| Total domestic deposits to total assets | 82.4429% | 4,138 |
| Equity capital to assets | 13.7966% | 1,057 |
| Core capital (leverage) ratio | 13.9492% | 853 |
| Tier 1 risk-based capital ratio | 24.1315% | 941 |
| Total risk-based capital ratio | 24.7112% | 1,002 |
| Memoranda: | ||
| Average total assets | $819,425,000 | 861 |
| Average earning assets | $773,239,000 | 827 |
| Average equity | $113,515,670 | 684 |
| Average total loans | $420,043,670 | 1,091 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,375 |
| Cost of funding earning assets | 0.1140% | 6,138 |
| Net interest margin | 3.5834% | 3,066 |
| Noninterest income to average assets | 1.3084% | 669 |
| Noninterest expense to average assets | 3.2480% | 1,846 |
| Loan and lease loss provision to assets | -0.0005% | 6,062 |
| Net operating income to assets | 1.4285% | 983 |
| Return on assets (ROA) | 1.4247% | 1,042 |
| Pretax return on assets | 1.4493% | 1,725 |
| Return on Equity (ROE) | 10.2625% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.2625% | 861 |
| Net charge-offs to loans | 0.3929% | 623 |
| Credit loss provision to net charge-offs | -0.2481% | 4,272 |
| Earnings coverage of net charge-offs (x) | 7.3151% | 2,181 |
| Efficiency ratio | 69.0953% | 3,639 |
| Assets per employee ($millions) | 3.1156% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 5,808 |
| Loan loss allowance to noncurrent loans | 35.2490% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.9236% | 1,259 |
| Noncurrent loans to loans | 2.1268% | 1,209 |
| Net loans and leases to total assets | 50.0603% | 4,843 |
| Net loans and leases to deposits | 60.4465% | 4,709 |
| Net loans and leases to core deposits | 62.0680% | 4,832 |
| Total domestic deposits to total assets | 82.8176% | 4,228 |
| Equity capital to assets | 13.8334% | 1,039 |
| Core capital (leverage) ratio | 14.0005% | 824 |
| Tier 1 risk-based capital ratio | 25.2737% | 860 |
| Total risk-based capital ratio | 25.9723% | 896 |
| Memoranda: | ||
| Average total assets | $811,704,500 | 871 |
| Average earning assets | $768,442,500 | 838 |
| Average equity | $112,682,000 | 689 |
| Average total loans | $410,278,500 | 1,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,917 |
| Cost of funding earning assets | 0.1302% | 6,197 |
| Net interest margin | 3.8214% | 2,544 |
| Noninterest income to average assets | 1.3201% | 708 |
| Noninterest expense to average assets | 3.4667% | 1,559 |
| Loan and lease loss provision to assets | 0.0328% | 3,944 |
| Net operating income to assets | 1.0232% | 2,288 |
| Return on assets (ROA) | 1.0223% | 2,363 |
| Pretax return on assets | 1.4199% | 1,816 |
| Return on Equity (ROE) | 7.1818% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.6615% | 2,849 |
| Net charge-offs to loans | 0.0861% | 3,261 |
| Credit loss provision to net charge-offs | 73.9645% | 2,985 |
| Earnings coverage of net charge-offs (x) | 32.8254% | 1,251 |
| Efficiency ratio | 70.4543% | 3,465 |
| Assets per employee ($millions) | 3.0802% | 5,589 |
| Cash dividends to net income (ytd only)* | 35.0936% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,555 |
| Loan loss allowance to noncurrent loans | 32.6633% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.1353% | 1,152 |
| Noncurrent loans to loans | 2.6713% | 914 |
| Net loans and leases to total assets | 50.2139% | 4,951 |
| Net loans and leases to deposits | 60.6236% | 4,846 |
| Net loans and leases to core deposits | 62.3706% | 4,973 |
| Total domestic deposits to total assets | 82.8290% | 4,136 |
| Equity capital to assets | 13.9326% | 979 |
| Core capital (leverage) ratio | 14.1602% | 777 |
| Tier 1 risk-based capital ratio | 24.4019% | 905 |
| Total risk-based capital ratio | 25.1824% | 942 |
| Memoranda: | ||
| Average total assets | $763,177,000 | 890 |
| Average earning assets | $719,029,800 | 855 |
| Average equity | $108,635,000 | 673 |
| Average total loans | $392,605,600 | 1,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,768 |
| Cost of funding earning assets | 0.1336% | 6,273 |
| Net interest margin | 3.8637% | 2,376 |
| Noninterest income to average assets | 1.3071% | 711 |
| Noninterest expense to average assets | 3.4127% | 1,634 |
| Loan and lease loss provision to assets | 0.0412% | 3,579 |
| Net operating income to assets | 1.0716% | 2,150 |
| Return on assets (ROA) | 1.0705% | 2,220 |
| Pretax return on assets | 1.4912% | 1,670 |
| Return on Equity (ROE) | 7.4784% | 3,451 |
| Retained earnings to average equity (ytd only) | 5.6909% | 2,616 |
| Net charge-offs to loans | 0.0623% | 3,317 |
| Credit loss provision to net charge-offs | 128.0220% | 1,806 |
| Earnings coverage of net charge-offs (x) | 47.6979% | 1,007 |
| Efficiency ratio | 68.9898% | 3,681 |
| Assets per employee ($millions) | 2.9596% | 5,776 |
| Cash dividends to net income (ytd only)* | 23.9023% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 5,584 |
| Loan loss allowance to noncurrent loans | 33.8224% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2611% | 1,211 |
| Noncurrent loans to loans | 2.6783% | 1,069 |
| Net loans and leases to total assets | 52.3024% | 4,776 |
| Net loans and leases to deposits | 63.6860% | 4,576 |
| Net loans and leases to core deposits | 65.6085% | 4,747 |
| Total domestic deposits to total assets | 82.1255% | 4,439 |
| Equity capital to assets | 14.4426% | 863 |
| Core capital (leverage) ratio | 14.6608% | 685 |
| Tier 1 risk-based capital ratio | 24.4427% | 940 |
| Total risk-based capital ratio | 25.2516% | 969 |
| Memoranda: | ||
| Average total assets | $754,529,000 | 909 |
| Average earning assets | $710,761,750 | 865 |
| Average equity | $108,006,250 | 677 |
| Average total loans | $389,727,750 | 1,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,625 |
| Cost of funding earning assets | 0.1363% | 6,329 |
| Net interest margin | 3.8915% | 2,208 |
| Noninterest income to average assets | 1.1941% | 820 |
| Noninterest expense to average assets | 3.2569% | 2,024 |
| Loan and lease loss provision to assets | 0.0581% | 3,130 |
| Net operating income to assets | 1.1024% | 1,930 |
| Return on assets (ROA) | 1.1008% | 2,001 |
| Pretax return on assets | 1.5368% | 1,439 |
| Return on Equity (ROE) | 7.7139% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.6140% | 1,974 |
| Net charge-offs to loans | 0.1008% | 2,671 |
| Credit loss provision to net charge-offs | 112.3711% | 1,791 |
| Earnings coverage of net charge-offs (x) | 30.8918% | 1,230 |
| Efficiency ratio | 67.0985% | 4,182 |
| Assets per employee ($millions) | 2.8728% | 5,927 |
| Cash dividends to net income (ytd only)* | 14.2580% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 5,643 |
| Loan loss allowance to noncurrent loans | 30.7186% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5239% | 1,116 |
| Noncurrent loans to loans | 3.0129% | 960 |
| Net loans and leases to total assets | 51.7411% | 4,772 |
| Net loans and leases to deposits | 62.9827% | 4,597 |
| Net loans and leases to core deposits | 64.9351% | 4,730 |
| Total domestic deposits to total assets | 82.1513% | 4,595 |
| Equity capital to assets | 14.5755% | 801 |
| Core capital (leverage) ratio | 14.5840% | 683 |
| Tier 1 risk-based capital ratio | 24.3600% | 945 |
| Total risk-based capital ratio | 25.1683% | 975 |
| Memoranda: | ||
| Average total assets | $750,526,000 | 911 |
| Average earning assets | $705,841,330 | 870 |
| Average equity | $107,105,670 | 677 |
| Average total loans | $384,776,000 | 1,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,894 |
| Cost of funding earning assets | 0.1393% | 6,404 |
| Net interest margin | 3.8105% | 2,428 |
| Noninterest income to average assets | 0.9639% | 1,217 |
| Noninterest expense to average assets | 3.1981% | 2,242 |
| Loan and lease loss provision to assets | 0.1110% | 2,091 |
| Net operating income to assets | 0.8999% | 2,653 |
| Return on assets (ROA) | 0.8972% | 2,731 |
| Pretax return on assets | 1.2286% | 2,358 |
| Return on Equity (ROE) | 6.3551% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.3551% | 2,350 |
| Net charge-offs to loans | 0.0326% | 2,937 |
| Credit loss provision to net charge-offs | 670.9677% | 420 |
| Earnings coverage of net charge-offs (x) | 81.1935% | 531 |
| Efficiency ratio | 70.4196% | 3,758 |
| Assets per employee ($millions) | 3.0176% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 5,579 |
| Loan loss allowance to noncurrent loans | 29.8386% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.9539% | 976 |
| Noncurrent loans to loans | 3.3047% | 924 |
| Net loans and leases to total assets | 50.2577% | 4,884 |
| Net loans and leases to deposits | 60.9113% | 4,671 |
| Net loans and leases to core deposits | 62.7344% | 4,810 |
| Total domestic deposits to total assets | 82.5097% | 4,781 |
| Equity capital to assets | 14.1378% | 877 |
| Core capital (leverage) ratio | 14.4952% | 703 |
| Tier 1 risk-based capital ratio | 24.3543% | 954 |
| Total risk-based capital ratio | 25.2097% | 986 |
| Memoranda: | ||
| Average total assets | $749,453,000 | 910 |
| Average earning assets | $703,636,000 | 880 |
| Average equity | $105,805,500 | 688 |
| Average total loans | $380,624,500 | 1,157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,970 |
| Cost of funding earning assets | 0.1632% | 6,483 |
| Net interest margin | 3.8687% | 2,401 |
| Noninterest income to average assets | 1.1424% | 1,078 |
| Noninterest expense to average assets | 3.7453% | 1,225 |
| Loan and lease loss provision to assets | 0.0372% | 4,371 |
| Net operating income to assets | 0.7249% | 3,677 |
| Return on assets (ROA) | 0.7240% | 3,773 |
| Pretax return on assets | 0.9626% | 3,504 |
| Return on Equity (ROE) | 4.8778% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.9713% | 4,126 |
| Net charge-offs to loans | 0.2903% | 2,237 |
| Credit loss provision to net charge-offs | 23.8914% | 4,372 |
| Earnings coverage of net charge-offs (x) | 6.4244% | 3,068 |
| Efficiency ratio | 78.9103% | 2,339 |
| Assets per employee ($millions) | 2.9660% | 5,884 |
| Cash dividends to net income (ytd only)* | 39.0847% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 5,727 |
| Loan loss allowance to noncurrent loans | 25.4006% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 3.1478% | 981 |
| Noncurrent loans to loans | 3.7760% | 786 |
| Net loans and leases to total assets | 50.3289% | 5,046 |
| Net loans and leases to deposits | 61.0054% | 4,828 |
| Net loans and leases to core deposits | 62.7354% | 4,996 |
| Total domestic deposits to total assets | 82.4992% | 4,713 |
| Equity capital to assets | 14.0971% | 878 |
| Core capital (leverage) ratio | 14.6855% | 646 |
| Tier 1 risk-based capital ratio | 24.8646% | 862 |
| Total risk-based capital ratio | 25.7114% | 893 |
| Memoranda: | ||
| Average total assets | $709,207,800 | 935 |
| Average earning assets | $660,661,600 | 911 |
| Average equity | $105,273,400 | 674 |
| Average total loans | $380,583,000 | 1,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,866 |
| Cost of funding earning assets | 0.1693% | 6,557 |
| Net interest margin | 3.9011% | 2,271 |
| Noninterest income to average assets | 1.1185% | 1,170 |
| Noninterest expense to average assets | 3.6583% | 1,311 |
| Loan and lease loss provision to assets | 0.0363% | 4,290 |
| Net operating income to assets | 0.7836% | 3,432 |
| Return on assets (ROA) | 0.7823% | 3,573 |
| Pretax return on assets | 1.0495% | 3,304 |
| Return on Equity (ROE) | 5.2012% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.9395% | 3,885 |
| Net charge-offs to loans | 0.3369% | 1,867 |
| Credit loss provision to net charge-offs | 19.8133% | 4,080 |
| Earnings coverage of net charge-offs (x) | 5.9326% | 3,071 |
| Efficiency ratio | 77.0846% | 2,548 |
| Assets per employee ($millions) | 2.8734% | 6,049 |
| Cash dividends to net income (ytd only)* | 24.2586% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 5,804 |
| Loan loss allowance to noncurrent loans | 27.2640% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 3.6107% | 918 |
| Noncurrent loans to loans | 3.5971% | 1,048 |
| Net loans and leases to total assets | 51.7513% | 4,902 |
| Net loans and leases to deposits | 62.7202% | 4,665 |
| Net loans and leases to core deposits | 64.5115% | 4,849 |
| Total domestic deposits to total assets | 82.5114% | 4,755 |
| Equity capital to assets | 14.5181% | 825 |
| Core capital (leverage) ratio | 15.0366% | 634 |
| Tier 1 risk-based capital ratio | 24.7270% | 905 |
| Total risk-based capital ratio | 25.5840% | 931 |
| Memoranda: | ||
| Average total assets | $701,136,750 | 951 |
| Average earning assets | $651,943,000 | 930 |
| Average equity | $105,459,500 | 676 |
| Average total loans | $381,529,000 | 1,123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,836 |
| Cost of funding earning assets | 0.1749% | 6,601 |
| Net interest margin | 3.8984% | 2,213 |
| Noninterest income to average assets | 1.0193% | 1,472 |
| Noninterest expense to average assets | 3.4751% | 1,666 |
| Loan and lease loss provision to assets | 0.0397% | 4,158 |
| Net operating income to assets | 0.8306% | 3,146 |
| Return on assets (ROA) | 0.8289% | 3,307 |
| Pretax return on assets | 1.1182% | 3,020 |
| Return on Equity (ROE) | 5.4455% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.4460% | 3,437 |
| Net charge-offs to loans | 0.4735% | 1,397 |
| Credit loss provision to net charge-offs | 15.1982% | 3,828 |
| Earnings coverage of net charge-offs (x) | 4.4427% | 3,129 |
| Efficiency ratio | 74.9705% | 2,948 |
| Assets per employee ($millions) | 2.8639% | 6,077 |
| Cash dividends to net income (ytd only)* | 18.3553% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 5,941 |
| Loan loss allowance to noncurrent loans | 22.8740% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 4.4865% | 735 |
| Noncurrent loans to loans | 4.2251% | 880 |
| Net loans and leases to total assets | 53.3807% | 4,681 |
| Net loans and leases to deposits | 64.8162% | 4,399 |
| Net loans and leases to core deposits | 66.8576% | 4,607 |
| Total domestic deposits to total assets | 82.3570% | 4,927 |
| Equity capital to assets | 15.0365% | 707 |
| Core capital (leverage) ratio | 15.2210% | 577 |
| Tier 1 risk-based capital ratio | 24.1823% | 980 |
| Total risk-based capital ratio | 25.0293% | 1,006 |
| Memoranda: | ||
| Average total assets | $695,396,000 | 957 |
| Average earning assets | $645,028,670 | 940 |
| Average equity | $105,848,670 | 676 |
| Average total loans | $383,558,000 | 1,114 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 4,482 |
| Cost of funding earning assets | 0.1833% | 6,655 |
| Net interest margin | 3.7127% | 2,803 |
| Noninterest income to average assets | 0.9811% | 1,518 |
| Noninterest expense to average assets | 3.2202% | 2,291 |
| Loan and lease loss provision to assets | -0.0017% | 6,716 |
| Net operating income to assets | 0.8896% | 2,704 |
| Return on assets (ROA) | 0.8866% | 2,860 |
| Pretax return on assets | 1.2022% | 2,562 |
| Return on Equity (ROE) | 5.7885% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.7885% | 2,791 |
| Net charge-offs to loans | 0.8048% | 756 |
| Credit loss provision to net charge-offs | -0.3876% | 4,936 |
| Earnings coverage of net charge-offs (x) | 2.6822% | 2,973 |
| Efficiency ratio | 72.7773% | 3,472 |
| Assets per employee ($millions) | 2.8084% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,147 |
| Loan loss allowance to noncurrent loans | 23.2785% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 4.7961% | 772 |
| Noncurrent loans to loans | 4.0638% | 1,103 |
| Net loans and leases to total assets | 55.9728% | 4,078 |
| Net loans and leases to deposits | 68.0497% | 3,774 |
| Net loans and leases to core deposits | 70.4093% | 4,023 |
| Total domestic deposits to total assets | 82.2529% | 5,113 |
| Equity capital to assets | 15.4304% | 655 |
| Core capital (leverage) ratio | 15.2510% | 557 |
| Tier 1 risk-based capital ratio | 23.8399% | 1,039 |
| Total risk-based capital ratio | 24.6806% | 1,071 |
| Memoranda: | ||
| Average total assets | $689,398,500 | 974 |
| Average earning assets | $639,421,500 | 962 |
| Average equity | $105,589,500 | 687 |
| Average total loans | $384,689,500 | 1,111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 3,121 |
| Cost of funding earning assets | 0.2508% | 6,668 |
| Net interest margin | 4.3201% | 1,355 |
| Noninterest income to average assets | 0.9175% | 1,803 |
| Noninterest expense to average assets | 3.5299% | 1,756 |
| Loan and lease loss provision to assets | 0.2876% | 2,365 |
| Net operating income to assets | 0.7640% | 3,444 |
| Return on assets (ROA) | 0.7629% | 3,697 |
| Pretax return on assets | 1.0834% | 3,220 |
| Return on Equity (ROE) | 4.9018% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.8583% | 4,227 |
| Net charge-offs to loans | 0.5034% | 2,231 |
| Credit loss provision to net charge-offs | 97.1703% | 3,191 |
| Earnings coverage of net charge-offs (x) | 4.6377% | 3,302 |
| Efficiency ratio | 72.0046% | 3,416 |
| Assets per employee ($millions) | 2.8781% | 6,199 |
| Cash dividends to net income (ytd only)* | 41.6895% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,260 |
| Loan loss allowance to noncurrent loans | 58.6339% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.5558% | 1,265 |
| Noncurrent loans to loans | 1.9964% | 2,702 |
| Net loans and leases to total assets | 54.4519% | 4,558 |
| Net loans and leases to deposits | 66.3432% | 4,235 |
| Net loans and leases to core deposits | 68.5849% | 4,469 |
| Total domestic deposits to total assets | 82.0760% | 5,071 |
| Equity capital to assets | 15.2024% | 699 |
| Core capital (leverage) ratio | 15.4396% | 515 |
| Tier 1 risk-based capital ratio | 24.0214% | 967 |
| Total risk-based capital ratio | 25.0608% | 970 |
| Memoranda: | ||
| Average total assets | $668,742,600 | 984 |
| Average earning assets | $616,832,200 | 976 |
| Average equity | $104,084,000 | 681 |
| Average total loans | $393,108,800 | 1,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 2,994 |
| Cost of funding earning assets | 0.2678% | 6,740 |
| Net interest margin | 4.3862% | 1,236 |
| Noninterest income to average assets | 0.9296% | 1,738 |
| Noninterest expense to average assets | 3.3079% | 2,250 |
| Loan and lease loss provision to assets | 0.3003% | 2,199 |
| Net operating income to assets | 1.0050% | 2,475 |
| Return on assets (ROA) | 1.0045% | 2,709 |
| Pretax return on assets | 1.3700% | 2,343 |
| Return on Equity (ROE) | 6.4153% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.7618% | 3,553 |
| Net charge-offs to loans | 0.5182% | 2,056 |
| Credit loss provision to net charge-offs | 97.0130% | 3,084 |
| Earnings coverage of net charge-offs (x) | 5.3974% | 3,040 |
| Efficiency ratio | 66.4392% | 4,366 |
| Assets per employee ($millions) | 2.8230% | 6,329 |
| Cash dividends to net income (ytd only)* | 25.7755% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,373 |
| Loan loss allowance to noncurrent loans | 46.8275% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 4.5403% | 1,014 |
| Noncurrent loans to loans | 2.5194% | 2,267 |
| Net loans and leases to total assets | 56.1353% | 4,429 |
| Net loans and leases to deposits | 70.0015% | 3,896 |
| Net loans and leases to core deposits | 72.6138% | 4,180 |
| Total domestic deposits to total assets | 80.1916% | 5,604 |
| Equity capital to assets | 15.8751% | 632 |
| Core capital (leverage) ratio | 15.6944% | 514 |
| Tier 1 risk-based capital ratio | 24.5056% | 951 |
| Total risk-based capital ratio | 25.5607% | 961 |
| Memoranda: | ||
| Average total assets | $663,243,250 | 995 |
| Average earning assets | $612,301,250 | 988 |
| Average equity | $103,852,750 | 682 |
| Average total loans | $396,242,000 | 1,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 2,819 |
| Cost of funding earning assets | 0.2892% | 6,770 |
| Net interest margin | 4.4367% | 1,115 |
| Noninterest income to average assets | 0.9462% | 1,629 |
| Noninterest expense to average assets | 3.3441% | 2,173 |
| Loan and lease loss provision to assets | 0.4449% | 1,450 |
| Net operating income to assets | 0.8239% | 3,281 |
| Return on assets (ROA) | 0.8233% | 3,543 |
| Pretax return on assets | 1.2467% | 2,737 |
| Return on Equity (ROE) | 5.2822% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.8115% | 4,078 |
| Net charge-offs to loans | 0.3421% | 2,648 |
| Credit loss provision to net charge-offs | 214.0988% | 1,323 |
| Earnings coverage of net charge-offs (x) | 8.1453% | 2,355 |
| Efficiency ratio | 66.3968% | 4,464 |
| Assets per employee ($millions) | 2.8145% | 6,380 |
| Cash dividends to net income (ytd only)* | 27.8430% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,722 |
| Loan loss allowance to noncurrent loans | 46.7721% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 5.1163% | 922 |
| Noncurrent loans to loans | 2.8549% | 2,099 |
| Net loans and leases to total assets | 59.4182% | 3,927 |
| Net loans and leases to deposits | 74.3039% | 3,240 |
| Net loans and leases to core deposits | 77.2364% | 3,624 |
| Total domestic deposits to total assets | 79.9666% | 5,748 |
| Equity capital to assets | 15.8030% | 619 |
| Core capital (leverage) ratio | 15.5527% | 517 |
| Tier 1 risk-based capital ratio | 23.3161% | 1,093 |
| Total risk-based capital ratio | 24.5253% | 1,083 |
| Memoranda: | ||
| Average total assets | $662,245,330 | 994 |
| Average earning assets | $610,546,670 | 988 |
| Average equity | $103,215,000 | 687 |
| Average total loans | $402,169,670 | 1,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 2,932 |
| Cost of funding earning assets | 0.3061% | 6,822 |
| Net interest margin | 4.4237% | 1,178 |
| Noninterest income to average assets | 0.9824% | 1,473 |
| Noninterest expense to average assets | 3.1472% | 2,767 |
| Loan and lease loss provision to assets | 0.0699% | 4,536 |
| Net operating income to assets | 1.3147% | 1,417 |
| Return on assets (ROA) | 1.3143% | 1,587 |
| Pretax return on assets | 1.8383% | 1,001 |
| Return on Equity (ROE) | 8.4916% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.4916% | 1,781 |
| Net charge-offs to loans | 0.3605% | 2,222 |
| Credit loss provision to net charge-offs | 31.7808% | 3,593 |
| Earnings coverage of net charge-offs (x) | 8.6822% | 1,929 |
| Efficiency ratio | 62.2468% | 5,230 |
| Assets per employee ($millions) | 2.9428% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,076 |
| Loan loss allowance to noncurrent loans | 32.1394% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 5.4218% | 918 |
| Noncurrent loans to loans | 3.2670% | 1,957 |
| Net loans and leases to total assets | 60.1243% | 3,639 |
| Net loans and leases to deposits | 75.5600% | 2,875 |
| Net loans and leases to core deposits | 78.5345% | 3,253 |
| Total domestic deposits to total assets | 79.5717% | 5,953 |
| Equity capital to assets | 15.5740% | 643 |
| Core capital (leverage) ratio | 15.5601% | 524 |
| Tier 1 risk-based capital ratio | 22.8060% | 1,159 |
| Total risk-based capital ratio | 23.7555% | 1,185 |
| Memoranda: | ||
| Average total assets | $664,076,000 | 992 |
| Average earning assets | $611,528,500 | 983 |
| Average equity | $102,784,500 | 689 |
| Average total loans | $404,947,000 | 1,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 3,089 |
| Cost of funding earning assets | 0.4211% | 6,825 |
| Net interest margin | 4.5336% | 1,063 |
| Noninterest income to average assets | 0.9987% | 1,370 |
| Noninterest expense to average assets | 3.6790% | 1,576 |
| Loan and lease loss provision to assets | 0.3248% | 3,089 |
| Net operating income to assets | 0.8625% | 2,760 |
| Return on assets (ROA) | 0.8615% | 2,913 |
| Pretax return on assets | 1.1630% | 2,604 |
| Return on Equity (ROE) | 5.4947% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.2313% | 3,919 |
| Net charge-offs to loans | 0.3223% | 3,782 |
| Credit loss provision to net charge-offs | 160.0309% | 1,727 |
| Earnings coverage of net charge-offs (x) | 7.3364% | 2,350 |
| Efficiency ratio | 71.1870% | 3,750 |
| Assets per employee ($millions) | 2.9209% | 6,247 |
| Cash dividends to net income (ytd only)* | 41.1925% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,757 |
| Loan loss allowance to noncurrent loans | 30.8508% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 5.5217% | 926 |
| Noncurrent loans to loans | 3.6194% | 1,762 |
| Net loans and leases to total assets | 60.5149% | 3,886 |
| Net loans and leases to deposits | 76.2533% | 3,141 |
| Net loans and leases to core deposits | 79.2566% | 3,538 |
| Total domestic deposits to total assets | 79.3604% | 5,905 |
| Equity capital to assets | 15.3805% | 697 |
| Core capital (leverage) ratio | 15.4018% | 541 |
| Tier 1 risk-based capital ratio | 22.5113% | 1,163 |
| Total risk-based capital ratio | 23.5322% | 1,171 |
| Memoranda: | ||
| Average total assets | $638,510,000 | 1,015 |
| Average earning assets | $587,210,200 | 1,008 |
| Average equity | $100,114,400 | 685 |
| Average total loans | $402,061,200 | 1,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 3,349 |
| Cost of funding earning assets | 0.4489% | 6,886 |
| Net interest margin | 4.4978% | 1,155 |
| Noninterest income to average assets | 1.0237% | 1,285 |
| Noninterest expense to average assets | 3.6395% | 1,631 |
| Loan and lease loss provision to assets | 0.2801% | 3,279 |
| Net operating income to assets | 0.9133% | 2,692 |
| Return on assets (ROA) | 0.9121% | 2,827 |
| Pretax return on assets | 1.2383% | 2,492 |
| Return on Equity (ROE) | 5.7884% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.4947% | 3,525 |
| Net charge-offs to loans | 0.3423% | 3,387 |
| Credit loss provision to net charge-offs | 129.0010% | 2,465 |
| Earnings coverage of net charge-offs (x) | 7.0010% | 2,437 |
| Efficiency ratio | 70.5388% | 3,849 |
| Assets per employee ($millions) | 2.8425% | 6,417 |
| Cash dividends to net income (ytd only)* | 22.3504% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 6,191 |
| Loan loss allowance to noncurrent loans | 25.1278% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 5.9624% | 895 |
| Noncurrent loans to loans | 4.0416% | 1,640 |
| Net loans and leases to total assets | 61.4470% | 3,861 |
| Net loans and leases to deposits | 78.0002% | 2,991 |
| Net loans and leases to core deposits | 82.4696% | 3,256 |
| Total domestic deposits to total assets | 78.7780% | 6,029 |
| Equity capital to assets | 15.9338% | 637 |
| Core capital (leverage) ratio | 15.7586% | 537 |
| Tier 1 risk-based capital ratio | 22.9622% | 1,154 |
| Total risk-based capital ratio | 23.8926% | 1,175 |
| Memoranda: | ||
| Average total assets | $633,105,500 | 1,030 |
| Average earning assets | $582,163,000 | 1,018 |
| Average equity | $99,760,250 | 694 |
| Average total loans | $401,579,750 | 1,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 3,207 |
| Cost of funding earning assets | 0.4763% | 6,928 |
| Net interest margin | 4.5124% | 1,105 |
| Noninterest income to average assets | 1.0280% | 1,252 |
| Noninterest expense to average assets | 3.7128% | 1,507 |
| Loan and lease loss provision to assets | 0.4159% | 2,350 |
| Net operating income to assets | 0.7280% | 3,394 |
| Return on assets (ROA) | 0.7262% | 3,528 |
| Pretax return on assets | 1.0381% | 3,083 |
| Return on Equity (ROE) | 4.6262% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.3762% | 4,111 |
| Net charge-offs to loans | 0.2798% | 3,487 |
| Credit loss provision to net charge-offs | 232.6241% | 1,289 |
| Earnings coverage of net charge-offs (x) | 8.1472% | 2,107 |
| Efficiency ratio | 71.8236% | 3,776 |
| Assets per employee ($millions) | 2.6410% | 6,733 |
| Cash dividends to net income (ytd only)* | 27.0188% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,812 |
| Loan loss allowance to noncurrent loans | 28.4616% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 6.0224% | 931 |
| Noncurrent loans to loans | 3.9865% | 1,741 |
| Net loans and leases to total assets | 61.8588% | 3,911 |
| Net loans and leases to deposits | 78.0902% | 3,108 |
| Net loans and leases to core deposits | 83.5647% | 3,278 |
| Total domestic deposits to total assets | 79.2145% | 6,030 |
| Equity capital to assets | 15.8266% | 634 |
| Core capital (leverage) ratio | 15.4939% | 583 |
| Tier 1 risk-based capital ratio | 22.6084% | 1,179 |
| Total risk-based capital ratio | 23.6423% | 1,173 |
| Memoranda: | ||
| Average total assets | $630,954,330 | 1,043 |
| Average earning assets | $579,071,670 | 1,032 |
| Average equity | $99,045,000 | 696 |
| Average total loans | $403,099,000 | 1,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 3,047 |
| Cost of funding earning assets | 0.4999% | 6,969 |
| Net interest margin | 4.5129% | 1,043 |
| Noninterest income to average assets | 1.0101% | 1,299 |
| Noninterest expense to average assets | 3.3410% | 2,440 |
| Loan and lease loss provision to assets | 0.5656% | 1,525 |
| Net operating income to assets | 0.8125% | 2,964 |
| Return on assets (ROA) | 0.8129% | 3,025 |
| Pretax return on assets | 1.2542% | 2,185 |
| Return on Equity (ROE) | 5.1998% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.1998% | 3,058 |
| Net charge-offs to loans | 0.2957% | 2,869 |
| Credit loss provision to net charge-offs | 296.3455% | 1,084 |
| Earnings coverage of net charge-offs (x) | 9.5316% | 1,711 |
| Efficiency ratio | 64.7456% | 5,228 |
| Assets per employee ($millions) | 2.6961% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,124 |
| Loan loss allowance to noncurrent loans | 29.3850% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 6.0198% | 958 |
| Noncurrent loans to loans | 3.6726% | 2,010 |
| Net loans and leases to total assets | 62.5564% | 3,744 |
| Net loans and leases to deposits | 79.0070% | 2,894 |
| Net loans and leases to core deposits | 84.9757% | 3,038 |
| Total domestic deposits to total assets | 79.1783% | 6,147 |
| Equity capital to assets | 15.6667% | 636 |
| Core capital (leverage) ratio | 15.4708% | 583 |
| Tier 1 risk-based capital ratio | 22.3266% | 1,172 |
| Total risk-based capital ratio | 23.3150% | 1,196 |
| Memoranda: | ||
| Average total assets | $630,836,000 | 1,056 |
| Average earning assets | $580,109,500 | 1,044 |
| Average equity | $98,619,500 | 690 |
| Average total loans | $407,184,500 | 1,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1936% | 3,641 |
| Cost of funding earning assets | 0.5944% | 7,140 |
| Net interest margin | 4.5992% | 1,016 |
| Noninterest income to average assets | 1.1160% | 1,187 |
| Noninterest expense to average assets | 3.5292% | 2,102 |
| Loan and lease loss provision to assets | 0.2328% | 4,952 |
| Net operating income to assets | 1.1652% | 1,497 |
| Return on assets (ROA) | 1.1643% | 1,582 |
| Pretax return on assets | 1.5814% | 1,173 |
| Return on Equity (ROE) | 7.3304% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.7469% | 2,578 |
| Net charge-offs to loans | 0.3703% | 4,182 |
| Credit loss provision to net charge-offs | 91.7098% | 5,055 |
| Earnings coverage of net charge-offs (x) | 7.1516% | 2,191 |
| Efficiency ratio | 66.0330% | 4,966 |
| Assets per employee ($millions) | 2.7309% | 6,639 |
| Cash dividends to net income (ytd only)* | 35.2443% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,714 |
| Loan loss allowance to noncurrent loans | 20.3600% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 6.1519% | 951 |
| Noncurrent loans to loans | 4.4319% | 1,609 |
| Net loans and leases to total assets | 65.2718% | 3,604 |
| Net loans and leases to deposits | 82.8055% | 2,659 |
| Net loans and leases to core deposits | 87.9421% | 3,060 |
| Total domestic deposits to total assets | 78.8254% | 6,127 |
| Equity capital to assets | 15.5993% | 660 |
| Core capital (leverage) ratio | 15.7181% | 543 |
| Tier 1 risk-based capital ratio | 21.7184% | 1,216 |
| Total risk-based capital ratio | 22.5601% | 1,251 |
| Memoranda: | ||
| Average total assets | $608,246,400 | 1,096 |
| Average earning assets | $559,222,200 | 1,085 |
| Average equity | $96,611,400 | 694 |
| Average total loans | $417,003,800 | 1,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 3,852 |
| Cost of funding earning assets | 0.6091% | 7,267 |
| Net interest margin | 4.5868% | 1,072 |
| Noninterest income to average assets | 1.1103% | 1,145 |
| Noninterest expense to average assets | 3.5432% | 1,928 |
| Loan and lease loss provision to assets | 0.2462% | 4,627 |
| Net operating income to assets | 1.1418% | 1,759 |
| Return on assets (ROA) | 1.1406% | 1,873 |
| Pretax return on assets | 1.5367% | 1,518 |
| Return on Equity (ROE) | 7.1478% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.5717% | 2,606 |
| Net charge-offs to loans | 0.2202% | 4,623 |
| Credit loss provision to net charge-offs | 161.4493% | 2,339 |
| Earnings coverage of net charge-offs (x) | 11.7014% | 1,767 |
| Efficiency ratio | 66.5063% | 4,754 |
| Assets per employee ($millions) | 2.7113% | 6,760 |
| Cash dividends to net income (ytd only)* | 22.0501% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,257 |
| Loan loss allowance to noncurrent loans | 20.5388% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 6.7605% | 822 |
| Noncurrent loans to loans | 5.0246% | 1,370 |
| Net loans and leases to total assets | 68.8908% | 3,012 |
| Net loans and leases to deposits | 88.4469% | 1,948 |
| Net loans and leases to core deposits | 93.7466% | 2,560 |
| Total domestic deposits to total assets | 77.8894% | 6,281 |
| Equity capital to assets | 16.4879% | 592 |
| Core capital (leverage) ratio | 15.9605% | 570 |
| Tier 1 risk-based capital ratio | 21.6984% | 1,254 |
| Total risk-based capital ratio | 22.6698% | 1,274 |
| Memoranda: | ||
| Average total assets | $603,283,500 | 1,116 |
| Average earning assets | $554,676,000 | 1,094 |
| Average equity | $96,269,500 | 696 |
| Average total loans | $417,828,750 | 1,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 4,186 |
| Cost of funding earning assets | 0.6211% | 7,362 |
| Net interest margin | 4.5310% | 1,144 |
| Noninterest income to average assets | 1.0605% | 1,192 |
| Noninterest expense to average assets | 3.4920% | 2,048 |
| Loan and lease loss provision to assets | 0.2546% | 4,385 |
| Net operating income to assets | 1.1083% | 1,824 |
| Return on assets (ROA) | 1.1068% | 1,907 |
| Pretax return on assets | 1.4754% | 1,625 |
| Return on Equity (ROE) | 7.0122% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.7169% | 2,486 |
| Net charge-offs to loans | 0.2422% | 4,146 |
| Credit loss provision to net charge-offs | 152.0710% | 2,580 |
| Earnings coverage of net charge-offs (x) | 10.3432% | 1,903 |
| Efficiency ratio | 66.8458% | 4,806 |
| Assets per employee ($millions) | 2.5926% | 6,963 |
| Cash dividends to net income (ytd only)* | 18.4721% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,366 |
| Loan loss allowance to noncurrent loans | 16.8884% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 6.9227% | 768 |
| Noncurrent loans to loans | 5.9677% | 1,074 |
| Net loans and leases to total assets | 67.3603% | 3,533 |
| Net loans and leases to deposits | 85.6155% | 2,570 |
| Net loans and leases to core deposits | 92.3930% | 2,929 |
| Total domestic deposits to total assets | 78.6777% | 6,115 |
| Equity capital to assets | 16.0959% | 655 |
| Core capital (leverage) ratio | 15.5905% | 625 |
| Tier 1 risk-based capital ratio | 21.4598% | 1,275 |
| Total risk-based capital ratio | 22.3963% | 1,294 |
| Memoranda: | ||
| Average total assets | $605,547,330 | 1,114 |
| Average earning assets | $556,434,330 | 1,094 |
| Average equity | $95,576,330 | 692 |
| Average total loans | $418,700,670 | 1,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 4,130 |
| Cost of funding earning assets | 0.6426% | 7,461 |
| Net interest margin | 4.5377% | 1,070 |
| Noninterest income to average assets | 0.9928% | 1,326 |
| Noninterest expense to average assets | 3.3767% | 2,299 |
| Loan and lease loss provision to assets | 0.1402% | 5,147 |
| Net operating income to assets | 1.2357% | 1,443 |
| Return on assets (ROA) | 1.2357% | 1,517 |
| Pretax return on assets | 1.6505% | 1,160 |
| Return on Equity (ROE) | 7.9067% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9067% | 1,748 |
| Net charge-offs to loans | 0.2258% | 3,572 |
| Credit loss provision to net charge-offs | 89.1213% | 3,678 |
| Earnings coverage of net charge-offs (x) | 11.3808% | 1,647 |
| Efficiency ratio | 65.3459% | 5,245 |
| Assets per employee ($millions) | 2.5639% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,802 |
| Loan loss allowance to noncurrent loans | 15.0865% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 6.8010% | 808 |
| Noncurrent loans to loans | 6.0557% | 1,083 |
| Net loans and leases to total assets | 69.3281% | 3,084 |
| Net loans and leases to deposits | 87.9986% | 2,228 |
| Net loans and leases to core deposits | 94.4455% | 2,777 |
| Total domestic deposits to total assets | 78.7832% | 6,132 |
| Equity capital to assets | 15.9766% | 673 |
| Core capital (leverage) ratio | 15.4394% | 665 |
| Tier 1 risk-based capital ratio | 20.8008% | 1,372 |
| Total risk-based capital ratio | 21.6530% | 1,408 |
| Memoranda: | ||
| Average total assets | $607,579,500 | 1,133 |
| Average earning assets | $558,966,500 | 1,117 |
| Average equity | $94,957,500 | 699 |
| Average total loans | $423,408,000 | 1,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 3,082 |
| Cost of funding earning assets | 0.9605% | 7,284 |
| Net interest margin | 4.7444% | 772 |
| Noninterest income to average assets | 1.2395% | 982 |
| Noninterest expense to average assets | 3.4613% | 2,489 |
| Loan and lease loss provision to assets | 0.2892% | 5,116 |
| Net operating income to assets | 1.3821% | 881 |
| Return on assets (ROA) | 1.3807% | 938 |
| Pretax return on assets | 1.9071% | 498 |
| Return on Equity (ROE) | 9.1063% | 1,990 |
| Retained earnings to average equity (ytd only) | 5.9223% | 1,380 |
| Net charge-offs to loans | 0.4094% | 4,180 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 7.6022% | 2,118 |
| Efficiency ratio | 61.1583% | 6,303 |
| Assets per employee ($millions) | 2.6404% | 6,965 |
| Cash dividends to net income (ytd only)* | 34.9650% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 6,794 |
| Loan loss allowance to noncurrent loans | 19.9917% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 5.0749% | 1,203 |
| Noncurrent loans to loans | 4.5225% | 1,575 |
| Net loans and leases to total assets | 68.7874% | 3,533 |
| Net loans and leases to deposits | 89.1064% | 2,370 |
| Net loans and leases to core deposits | 106.6653% | 3,255 |
| Total domestic deposits to total assets | 77.1969% | 6,417 |
| Equity capital to assets | 15.2897% | 844 |
| Core capital (leverage) ratio | 15.2512% | 734 |
| Tier 1 risk-based capital ratio | 19.9796% | 1,467 |
| Total risk-based capital ratio | 20.8208% | 1,506 |
| Memoranda: | ||
| Average total assets | $600,706,800 | 1,152 |
| Average earning assets | $559,631,400 | 1,125 |
| Average equity | $91,080,000 | 712 |
| Average total loans | $424,230,400 | 1,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7990% | 2,900 |
| Cost of funding earning assets | 1.0384% | 7,311 |
| Net interest margin | 4.7606% | 737 |
| Noninterest income to average assets | 1.1795% | 1,124 |
| Noninterest expense to average assets | 3.4168% | 2,525 |
| Loan and lease loss provision to assets | 0.3211% | 4,417 |
| Net operating income to assets | 1.3735% | 1,076 |
| Return on assets (ROA) | 1.3722% | 1,138 |
| Pretax return on assets | 1.8943% | 666 |
| Return on Equity (ROE) | 9.0698% | 2,235 |
| Retained earnings to average equity (ytd only) | 6.9119% | 1,541 |
| Net charge-offs to loans | 0.4338% | 3,509 |
| Credit loss provision to net charge-offs | 104.3541% | 4,870 |
| Earnings coverage of net charge-offs (x) | 7.2054% | 2,450 |
| Efficiency ratio | 60.6461% | 6,332 |
| Assets per employee ($millions) | 2.5503% | 7,142 |
| Cash dividends to net income (ytd only)* | 23.7916% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,718 |
| Loan loss allowance to noncurrent loans | 21.0275% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 4.1705% | 1,507 |
| Noncurrent loans to loans | 4.3310% | 1,649 |
| Net loans and leases to total assets | 72.1057% | 3,012 |
| Net loans and leases to deposits | 93.7402% | 1,927 |
| Net loans and leases to core deposits | 112.4468% | 2,976 |
| Total domestic deposits to total assets | 76.9208% | 6,358 |
| Equity capital to assets | 15.7460% | 844 |
| Core capital (leverage) ratio | 15.1368% | 831 |
| Tier 1 risk-based capital ratio | 20.3110% | 1,497 |
| Total risk-based capital ratio | 21.1848% | 1,523 |
| Memoranda: | ||
| Average total assets | $597,082,000 | 1,170 |
| Average earning assets | $558,678,750 | 1,142 |
| Average equity | $90,334,250 | 723 |
| Average total loans | $423,526,750 | 1,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9857% | 2,238 |
| Cost of funding earning assets | 1.1187% | 7,328 |
| Net interest margin | 4.8670% | 580 |
| Noninterest income to average assets | 1.1204% | 1,258 |
| Noninterest expense to average assets | 3.4561% | 2,479 |
| Loan and lease loss provision to assets | 0.2809% | 4,327 |
| Net operating income to assets | 1.3935% | 1,039 |
| Return on assets (ROA) | 1.3916% | 1,114 |
| Pretax return on assets | 1.9269% | 658 |
| Return on Equity (ROE) | 9.3231% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.8844% | 1,249 |
| Net charge-offs to loans | 0.5181% | 2,770 |
| Credit loss provision to net charge-offs | 77.0852% | 5,279 |
| Earnings coverage of net charge-offs (x) | 6.0669% | 2,691 |
| Efficiency ratio | 60.9913% | 6,400 |
| Assets per employee ($millions) | 2.5440% | 7,165 |
| Cash dividends to net income (ytd only)* | 15.4308% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 6,985 |
| Loan loss allowance to noncurrent loans | 23.6477% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 3.6536% | 1,688 |
| Noncurrent loans to loans | 3.5878% | 1,950 |
| Net loans and leases to total assets | 70.8876% | 3,494 |
| Net loans and leases to deposits | 89.3011% | 2,935 |
| Net loans and leases to core deposits | 105.7298% | 3,865 |
| Total domestic deposits to total assets | 79.3804% | 5,694 |
| Equity capital to assets | 15.3886% | 950 |
| Core capital (leverage) ratio | 14.9688% | 929 |
| Tier 1 risk-based capital ratio | 20.1572% | 1,551 |
| Total risk-based capital ratio | 20.9660% | 1,590 |
| Memoranda: | ||
| Average total assets | $598,888,670 | 1,184 |
| Average earning assets | $559,403,670 | 1,160 |
| Average equity | $89,391,330 | 736 |
| Average total loans | $421,188,000 | 1,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 3,417 |
| Cost of funding earning assets | 1.1989% | 7,298 |
| Net interest margin | 4.5763% | 976 |
| Noninterest income to average assets | 1.0168% | 1,436 |
| Noninterest expense to average assets | 3.3509% | 2,494 |
| Loan and lease loss provision to assets | 0.2697% | 3,803 |
| Net operating income to assets | 1.2172% | 1,611 |
| Return on assets (ROA) | 1.2133% | 1,728 |
| Pretax return on assets | 1.6561% | 1,280 |
| Return on Equity (ROE) | 8.2553% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.2553% | 1,725 |
| Net charge-offs to loans | 0.5203% | 2,161 |
| Credit loss provision to net charge-offs | 74.3119% | 4,279 |
| Earnings coverage of net charge-offs (x) | 5.3211% | 2,697 |
| Efficiency ratio | 63.4392% | 5,790 |
| Assets per employee ($millions) | 2.5683% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 6,835 |
| Loan loss allowance to noncurrent loans | 25.5493% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 3.3143% | 1,651 |
| Noncurrent loans to loans | 3.4340% | 1,862 |
| Net loans and leases to total assets | 69.9528% | 3,681 |
| Net loans and leases to deposits | 87.2184% | 3,433 |
| Net loans and leases to core deposits | 106.7008% | 3,829 |
| Total domestic deposits to total assets | 80.2042% | 5,283 |
| Equity capital to assets | 14.8971% | 1,131 |
| Core capital (leverage) ratio | 14.7229% | 1,029 |
| Tier 1 risk-based capital ratio | 19.8294% | 1,649 |
| Total risk-based capital ratio | 20.6664% | 1,687 |
| Memoranda: | ||
| Average total assets | $600,681,500 | 1,191 |
| Average earning assets | $559,842,000 | 1,165 |
| Average equity | $88,282,500 | 747 |
| Average total loans | $418,978,500 | 1,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6266% | 2,363 |
| Cost of funding earning assets | 1.6950% | 7,266 |
| Net interest margin | 4.9317% | 593 |
| Noninterest income to average assets | 1.1671% | 1,135 |
| Noninterest expense to average assets | 3.5958% | 2,159 |
| Loan and lease loss provision to assets | 0.3060% | 3,925 |
| Net operating income to assets | 1.3392% | 1,375 |
| Return on assets (ROA) | 1.3364% | 1,335 |
| Pretax return on assets | 1.8367% | 874 |
| Return on Equity (ROE) | 9.3349% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.7350% | 1,648 |
| Net charge-offs to loans | 0.3431% | 3,111 |
| Credit loss provision to net charge-offs | 129.9784% | 4,091 |
| Earnings coverage of net charge-offs (x) | 9.1179% | 2,754 |
| Efficiency ratio | 62.6190% | 5,843 |
| Assets per employee ($millions) | 2.5768% | 7,053 |
| Cash dividends to net income (ytd only)* | 38.5638% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,493 |
| Loan loss allowance to noncurrent loans | 36.4589% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 2.4451% | 1,984 |
| Noncurrent loans to loans | 2.5590% | 2,126 |
| Net loans and leases to total assets | 68.2852% | 4,413 |
| Net loans and leases to deposits | 86.4716% | 4,045 |
| Net loans and leases to core deposits | 104.2466% | 4,369 |
| Total domestic deposits to total assets | 78.9684% | 5,389 |
| Equity capital to assets | 14.4969% | 1,299 |
| Core capital (leverage) ratio | 14.4389% | 1,154 |
| Tier 1 risk-based capital ratio | 19.4666% | 1,711 |
| Total risk-based capital ratio | 20.3372% | 1,747 |
| Memoranda: | ||
| Average total assets | $590,853,800 | 1,139 |
| Average earning assets | $548,151,800 | 1,123 |
| Average equity | $84,585,800 | 787 |
| Average total loans | $405,393,800 | 1,196 |