Home > SimplyBank. > Performance and Condition Ratios
SimplyBank., Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 79,737.0000% | 21 |
| Cost of funding earning assets | 150.0000% | 16 |
| Net interest margin | 0.0000% | 4,497 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 0.0000% | 4,517 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | -3.1114% | 4,531 |
| Pretax return on assets | -3.0511% | 4,530 |
| Return on Equity (ROE) | -37.7200% | 4,520 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 11.0000% | 22 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,717 |
| Efficiency ratio | 2,151.0000% | 26 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 5.5662% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -12,557.0000% | 4,565 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 447.0000% | 10 |
| Net loans and leases to core deposits | 0.0025% | 4,442 |
| Total domestic deposits to total assets | 0.0026% | 4,498 |
| Equity capital to assets | 7,232.0000% | 45 |
| Core capital (leverage) ratio | 0.0000% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,000 | 4,533 |
| Average earning assets | $4,527 | 4,529 |
| Average equity | $0 | 4,494 |
| Average total loans | NA | NA |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 1,682 |
| Cost of funding earning assets | 1.5158% | 3,157 |
| Net interest margin | 4.0525% | 1,019 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 3.3594% | 670 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.0712% | 1,740 |
| Return on assets (ROA) | 1.0712% | 1,747 |
| Pretax return on assets | 1.1308% | 2,056 |
| Return on Equity (ROE) | 12.1600% | 1,520 |
| Retained earnings to average equity (ytd only) | 7.5222% | 1,675 |
| Net charge-offs to loans | 0.0482% | 1,053 |
| Credit loss provision to net charge-offs | 120.9677% | 1,042 |
| Earnings coverage of net charge-offs (x) | 33.3387% | 1,135 |
| Efficiency ratio | 74.1140% | 1,734 |
| Assets per employee ($millions) | 5.8670% | 2,940 |
| Cash dividends to net income (ytd only)* | 38.1558% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,702 |
| Loan loss allowance to noncurrent loans | 172.7320% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 1,168 |
| Noncurrent loans to loans | 0.7601% | 1,176 |
| Net loans and leases to total assets | 70.9600% | 1,696 |
| Net loans and leases to deposits | 79.0362% | 2,140 |
| Net loans and leases to core deposits | 83.0511% | 2,502 |
| Total domestic deposits to total assets | 89.7900% | 864 |
| Equity capital to assets | 8.7986% | 2,813 |
| Core capital (leverage) ratio | 10.2136% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $704,649,500 | 1,339 |
| Average earning assets | $664,481,500 | 1,316 |
| Average equity | $62,056,000 | 1,411 |
| Average total loans | $514,906,500 | 1,254 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5892% | 1,041 |
| Cost of funding earning assets | 1.0903% | 3,095 |
| Net interest margin | 4.4989% | 618 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.6214% | 494 |
| Loan and lease loss provision to assets | -0.1400% | 4,542 |
| Net operating income to assets | 1.4215% | 1,179 |
| Return on assets (ROA) | 1.4215% | 1,151 |
| Pretax return on assets | 1.4821% | 1,467 |
| Return on Equity (ROE) | 16.6900% | 991 |
| Retained earnings to average equity (ytd only) | 3.8111% | 3,027 |
| Net charge-offs to loans | -0.2811% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.9845% | 1,558 |
| Assets per employee ($millions) | 5.5070% | 3,248 |
| Cash dividends to net income (ytd only)* | 77.1636% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 1,830 |
| Loan loss allowance to noncurrent loans | 166.9079% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 972 |
| Noncurrent loans to loans | 0.7716% | 1,011 |
| Net loans and leases to total assets | 73.3000% | 1,442 |
| Net loans and leases to deposits | 81.7785% | 1,967 |
| Net loans and leases to core deposits | 86.5689% | 2,270 |
| Total domestic deposits to total assets | 89.6300% | 866 |
| Equity capital to assets | 8.8149% | 2,810 |
| Core capital (leverage) ratio | 9.9810% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $697,436,800 | 1,316 |
| Average earning assets | $653,131,800 | 1,301 |
| Average equity | $59,406,200 | 1,404 |
| Average total loans | $530,455,800 | 1,177 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5142% | 1,000 |
| Cost of funding earning assets | 0.9413% | 3,171 |
| Net interest margin | 4.5729% | 554 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 3.6187% | 489 |
| Loan and lease loss provision to assets | -0.2000% | 4,590 |
| Net operating income to assets | 1.5501% | 1,020 |
| Return on assets (ROA) | 1.5501% | 1,015 |
| Pretax return on assets | 1.6110% | 1,331 |
| Return on Equity (ROE) | 18.3600% | 902 |
| Retained earnings to average equity (ytd only) | 1.0264% | 3,946 |
| Net charge-offs to loans | -0.3838% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.9951% | 1,568 |
| Assets per employee ($millions) | 5.7526% | 2,965 |
| Cash dividends to net income (ytd only)* | 94.4095% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,030 |
| Loan loss allowance to noncurrent loans | 118.7656% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 698 |
| Noncurrent loans to loans | 1.0654% | 751 |
| Net loans and leases to total assets | 74.0300% | 1,335 |
| Net loans and leases to deposits | 83.8494% | 1,754 |
| Net loans and leases to core deposits | 88.8358% | 1,999 |
| Total domestic deposits to total assets | 88.2900% | 1,481 |
| Equity capital to assets | 7.8993% | 3,119 |
| Core capital (leverage) ratio | 9.8047% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $696,949,250 | 1,312 |
| Average earning assets | $651,705,750 | 1,301 |
| Average equity | $58,845,250 | 1,404 |
| Average total loans | $533,237,750 | 1,172 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 828 |
| Cost of funding earning assets | 0.7531% | 3,340 |
| Net interest margin | 4.7502% | 428 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 3.4902% | 543 |
| Loan and lease loss provision to assets | -0.3300% | 4,629 |
| Net operating income to assets | 2.0459% | 434 |
| Return on assets (ROA) | 2.0459% | 429 |
| Pretax return on assets | 2.1072% | 618 |
| Return on Equity (ROE) | 23.7200% | 447 |
| Retained earnings to average equity (ytd only) | 8.2126% | 1,902 |
| Net charge-offs to loans | -0.6255% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2264% | 2,205 |
| Assets per employee ($millions) | 5.5057% | 3,142 |
| Cash dividends to net income (ytd only)* | 65.3733% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,126 |
| Loan loss allowance to noncurrent loans | 122.1960% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 647 |
| Noncurrent loans to loans | 1.0316% | 728 |
| Net loans and leases to total assets | 75.3000% | 1,123 |
| Net loans and leases to deposits | 86.1741% | 1,489 |
| Net loans and leases to core deposits | 90.0119% | 1,794 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 8.7169% | 2,709 |
| Core capital (leverage) ratio | 10.2964% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $695,326,000 | 1,307 |
| Average earning assets | $648,811,333 | 1,298 |
| Average equity | $59,980,667 | 1,387 |
| Average total loans | $535,586,333 | 1,163 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 994 |
| Cost of funding earning assets | 0.6043% | 3,372 |
| Net interest margin | 4.5652% | 530 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.8317% | 399 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.0886% | 2,265 |
| Return on assets (ROA) | 1.0886% | 2,231 |
| Pretax return on assets | 1.1509% | 2,562 |
| Return on Equity (ROE) | 12.6900% | 2,053 |
| Retained earnings to average equity (ytd only) | 12.6867% | 1,145 |
| Net charge-offs to loans | 0.0775% | 684 |
| Credit loss provision to net charge-offs | 216.3462% | 794 |
| Earnings coverage of net charge-offs (x) | 21.3462% | 1,435 |
| Efficiency ratio | 74.9492% | 1,249 |
| Assets per employee ($millions) | 5.5965% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,602 |
| Loan loss allowance to noncurrent loans | 121.7375% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 651 |
| Noncurrent loans to loans | 0.9783% | 755 |
| Net loans and leases to total assets | 75.3900% | 1,038 |
| Net loans and leases to deposits | 85.6627% | 1,382 |
| Net loans and leases to core deposits | 89.2128% | 1,663 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 8.8209% | 2,651 |
| Core capital (leverage) ratio | 10.1135% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $693,375,500 | 1,323 |
| Average earning assets | $646,724,000 | 1,318 |
| Average equity | $59,495,500 | 1,403 |
| Average total loans | $536,763,000 | 1,170 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 623 |
| Cost of funding earning assets | 0.2237% | 3,565 |
| Net interest margin | 4.3666% | 369 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 3.7670% | 398 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 0.9262% | 2,857 |
| Return on assets (ROA) | 0.9262% | 2,800 |
| Pretax return on assets | 0.9853% | 3,114 |
| Return on Equity (ROE) | 11.3200% | 2,377 |
| Retained earnings to average equity (ytd only) | 11.3220% | 823 |
| Net charge-offs to loans | 0.0919% | 769 |
| Credit loss provision to net charge-offs | 360.0823% | 822 |
| Earnings coverage of net charge-offs (x) | 18.0247% | 1,942 |
| Efficiency ratio | 75.3670% | 1,081 |
| Assets per employee ($millions) | 5.4983% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,037 |
| Loan loss allowance to noncurrent loans | 140.5285% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 677 |
| Noncurrent loans to loans | 0.9043% | 821 |
| Net loans and leases to total assets | 77.5300% | 844 |
| Net loans and leases to deposits | 88.2896% | 1,153 |
| Net loans and leases to core deposits | 91.2477% | 1,441 |
| Total domestic deposits to total assets | 87.8200% | 2,135 |
| Equity capital to assets | 8.3398% | 2,825 |
| Core capital (leverage) ratio | 9.8821% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $711,493,800 | 1,295 |
| Average earning assets | $662,805,200 | 1,288 |
| Average equity | $58,205,200 | 1,436 |
| Average total loans | $529,059,400 | 1,132 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 538 |
| Cost of funding earning assets | 0.2034% | 3,227 |
| Net interest margin | 4.2452% | 380 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.7396% | 396 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.8869% | 2,933 |
| Return on assets (ROA) | 0.8869% | 2,900 |
| Pretax return on assets | 0.9456% | 3,195 |
| Return on Equity (ROE) | 10.8900% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8928% | 1,081 |
| Net charge-offs to loans | 0.1452% | 454 |
| Credit loss provision to net charge-offs | 227.2727% | 927 |
| Earnings coverage of net charge-offs (x) | 11.1521% | 1,958 |
| Efficiency ratio | 75.8974% | 1,087 |
| Assets per employee ($millions) | 5.5697% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,606 |
| Loan loss allowance to noncurrent loans | 157.3261% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 808 |
| Noncurrent loans to loans | 0.7538% | 1,077 |
| Net loans and leases to total assets | 76.9400% | 807 |
| Net loans and leases to deposits | 84.6707% | 1,257 |
| Net loans and leases to core deposits | 87.0204% | 1,463 |
| Total domestic deposits to total assets | 90.8800% | 1,288 |
| Equity capital to assets | 7.8202% | 3,012 |
| Core capital (leverage) ratio | 9.5156% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $716,170,000 | 1,297 |
| Average earning assets | $667,459,250 | 1,288 |
| Average equity | $58,312,250 | 1,451 |
| Average total loans | $525,309,500 | 1,134 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 531 |
| Cost of funding earning assets | 0.2124% | 2,749 |
| Net interest margin | 4.0805% | 414 |
| Noninterest income to average assets | 1.0603% | 591 |
| Noninterest expense to average assets | 3.6910% | 355 |
| Loan and lease loss provision to assets | 0.2346% | 324 |
| Net operating income to assets | 0.8840% | 2,653 |
| Return on assets (ROA) | 0.8840% | 2,627 |
| Pretax return on assets | 0.9419% | 2,921 |
| Return on Equity (ROE) | 10.7220% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.7220% | 840 |
| Net charge-offs to loans | 0.3032% | 229 |
| Credit loss provision to net charge-offs | 107.5949% | 1,235 |
| Earnings coverage of net charge-offs (x) | 5.3962% | 1,928 |
| Efficiency ratio | 75.8292% | 1,305 |
| Assets per employee ($millions) | 5.3955% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,314 |
| Loan loss allowance to noncurrent loans | 95.2309% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 569 |
| Noncurrent loans to loans | 1.1153% | 736 |
| Net loans and leases to total assets | 73.5798% | 952 |
| Net loans and leases to deposits | 80.7919% | 1,329 |
| Net loans and leases to core deposits | 83.0343% | 1,518 |
| Total domestic deposits to total assets | 91.0732% | 1,195 |
| Equity capital to assets | 7.7228% | 3,330 |
| Core capital (leverage) ratio | 9.0278% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,678,333 | 1,286 |
| Average earning assets | $676,144,667 | 1,286 |
| Average equity | $59,746,333 | 1,444 |
| Average total loans | $521,148,000 | 1,135 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 447 |
| Cost of funding earning assets | 0.2294% | 2,406 |
| Net interest margin | 4.0583% | 370 |
| Noninterest income to average assets | 1.2945% | 427 |
| Noninterest expense to average assets | 3.6300% | 377 |
| Loan and lease loss provision to assets | 0.2205% | 319 |
| Net operating income to assets | 1.1798% | 1,300 |
| Return on assets (ROA) | 1.1798% | 1,297 |
| Pretax return on assets | 1.2377% | 1,686 |
| Return on Equity (ROE) | 13.8732% | 858 |
| Retained earnings to average equity (ytd only) | 13.8732% | 391 |
| Net charge-offs to loans | 0.6598% | 103 |
| Credit loss provision to net charge-offs | 47.2813% | 1,207 |
| Earnings coverage of net charge-offs (x) | 3.1265% | 1,680 |
| Efficiency ratio | 71.3403% | 2,065 |
| Assets per employee ($millions) | 5.6370% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,764 |
| Loan loss allowance to noncurrent loans | 78.3650% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 528 |
| Noncurrent loans to loans | 1.2666% | 693 |
| Net loans and leases to total assets | 71.4010% | 886 |
| Net loans and leases to deposits | 78.8974% | 1,217 |
| Net loans and leases to core deposits | 81.0944% | 1,413 |
| Total domestic deposits to total assets | 90.4986% | 1,300 |
| Equity capital to assets | 8.2103% | 3,393 |
| Core capital (leverage) ratio | 8.8125% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,516,000 | 1,287 |
| Average earning assets | $678,216,500 | 1,279 |
| Average equity | $61,701,500 | 1,447 |
| Average total loans | $512,874,500 | 1,141 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 633 |
| Cost of funding earning assets | 0.3396% | 2,025 |
| Net interest margin | 4.1235% | 567 |
| Noninterest income to average assets | 0.4552% | 2,791 |
| Noninterest expense to average assets | 3.7571% | 367 |
| Loan and lease loss provision to assets | 0.3432% | 222 |
| Net operating income to assets | 0.1370% | 4,590 |
| Return on assets (ROA) | 0.1370% | 4,602 |
| Pretax return on assets | 0.1969% | 4,576 |
| Return on Equity (ROE) | 1.4805% | 4,558 |
| Retained earnings to average equity (ytd only) | -0.5486% | 4,554 |
| Net charge-offs to loans | 0.5885% | 140 |
| Credit loss provision to net charge-offs | 83.8282% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.3192% | 2,620 |
| Efficiency ratio | 87.4309% | 410 |
| Assets per employee ($millions) | 5.4019% | 3,353 |
| Cash dividends to net income (ytd only)* | 137.0564% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,241 |
| Loan loss allowance to noncurrent loans | 74.1991% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 484 |
| Noncurrent loans to loans | 1.5191% | 592 |
| Net loans and leases to total assets | 68.4780% | 1,212 |
| Net loans and leases to deposits | 76.1873% | 1,546 |
| Net loans and leases to core deposits | 78.7049% | 1,707 |
| Total domestic deposits to total assets | 89.8811% | 1,010 |
| Equity capital to assets | 8.8001% | 3,806 |
| Core capital (leverage) ratio | 8.4950% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $699,293,000 | 1,286 |
| Average earning assets | $651,554,000 | 1,288 |
| Average equity | $64,706,600 | 1,432 |
| Average total loans | $486,491,000 | 1,188 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 779 |
| Cost of funding earning assets | 0.3592% | 2,031 |
| Net interest margin | 4.0668% | 693 |
| Noninterest income to average assets | 0.6963% | 1,831 |
| Noninterest expense to average assets | 3.6982% | 375 |
| Loan and lease loss provision to assets | 0.3943% | 165 |
| Net operating income to assets | 0.3303% | 4,478 |
| Return on assets (ROA) | 0.3303% | 4,506 |
| Pretax return on assets | 0.3907% | 4,506 |
| Return on Equity (ROE) | 3.5242% | 4,381 |
| Retained earnings to average equity (ytd only) | 0.8292% | 4,440 |
| Net charge-offs to loans | 0.7805% | 95 |
| Credit loss provision to net charge-offs | 72.5407% | 1,747 |
| Earnings coverage of net charge-offs (x) | 1.4441% | 2,377 |
| Efficiency ratio | 82.4902% | 609 |
| Assets per employee ($millions) | 5.1615% | 3,542 |
| Cash dividends to net income (ytd only)* | 76.4706% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,476 |
| Loan loss allowance to noncurrent loans | 50.8042% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 314 |
| Noncurrent loans to loans | 2.1504% | 389 |
| Net loans and leases to total assets | 67.3600% | 1,389 |
| Net loans and leases to deposits | 75.2088% | 1,745 |
| Net loans and leases to core deposits | 77.6043% | 1,918 |
| Total domestic deposits to total assets | 89.5640% | 978 |
| Equity capital to assets | 9.0237% | 3,811 |
| Core capital (leverage) ratio | 8.9432% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $693,152,250 | 1,310 |
| Average earning assets | $645,441,500 | 1,315 |
| Average equity | $64,958,250 | 1,442 |
| Average total loans | $482,780,500 | 1,217 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 744 |
| Cost of funding earning assets | 0.3865% | 1,998 |
| Net interest margin | 4.0975% | 700 |
| Noninterest income to average assets | 0.6741% | 1,914 |
| Noninterest expense to average assets | 3.6929% | 371 |
| Loan and lease loss provision to assets | 0.1460% | 822 |
| Net operating income to assets | 0.5897% | 4,001 |
| Return on assets (ROA) | 0.5897% | 4,057 |
| Pretax return on assets | 0.6516% | 4,157 |
| Return on Equity (ROE) | 6.2125% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,412 |
| Net charge-offs to loans | 0.0362% | 1,279 |
| Credit loss provision to net charge-offs | 574.7126% | 641 |
| Earnings coverage of net charge-offs (x) | 31.4023% | 1,287 |
| Efficiency ratio | 82.2378% | 656 |
| Assets per employee ($millions) | 5.3398% | 3,296 |
| Cash dividends to net income (ytd only)* | 30.0990% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,188 |
| Loan loss allowance to noncurrent loans | 38.1103% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.5723% | 127 |
| Noncurrent loans to loans | 3.5428% | 176 |
| Net loans and leases to total assets | 69.2201% | 1,294 |
| Net loans and leases to deposits | 77.7392% | 1,655 |
| Net loans and leases to core deposits | 80.4835% | 1,849 |
| Total domestic deposits to total assets | 89.0415% | 1,268 |
| Equity capital to assets | 9.5756% | 3,269 |
| Core capital (leverage) ratio | 9.1487% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,052,333 | 1,318 |
| Average earning assets | $638,046,333 | 1,317 |
| Average equity | $65,030,667 | 1,434 |
| Average total loans | $480,836,000 | 1,226 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 841 |
| Cost of funding earning assets | 0.4203% | 1,937 |
| Net interest margin | 4.0307% | 809 |
| Noninterest income to average assets | 0.5117% | 2,558 |
| Noninterest expense to average assets | 3.8088% | 332 |
| Loan and lease loss provision to assets | 0.1757% | 704 |
| Net operating income to assets | 0.2219% | 4,618 |
| Return on assets (ROA) | 0.2219% | 4,643 |
| Pretax return on assets | 0.2898% | 4,614 |
| Return on Equity (ROE) | 2.3480% | 4,565 |
| Retained earnings to average equity (ytd only) | 0.0186% | 4,364 |
| Net charge-offs to loans | 0.1476% | 521 |
| Credit loss provision to net charge-offs | 169.4915% | 947 |
| Earnings coverage of net charge-offs (x) | 4.4915% | 1,729 |
| Efficiency ratio | 89.1096% | 403 |
| Assets per employee ($millions) | 4.9863% | 3,675 |
| Cash dividends to net income (ytd only)* | 99.2084% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,533 |
| Loan loss allowance to noncurrent loans | 42.0124% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 209 |
| Noncurrent loans to loans | 3.0413% | 254 |
| Net loans and leases to total assets | 69.5404% | 1,351 |
| Net loans and leases to deposits | 77.9225% | 1,722 |
| Net loans and leases to core deposits | 81.0437% | 1,906 |
| Total domestic deposits to total assets | 89.2430% | 1,210 |
| Equity capital to assets | 9.2260% | 3,473 |
| Core capital (leverage) ratio | 9.1046% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,160,000 | 1,312 |
| Average earning assets | $637,698,000 | 1,310 |
| Average equity | $64,566,000 | 1,434 |
| Average total loans | $479,584,000 | 1,221 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 341 |
| Cost of funding earning assets | 0.8220% | 1,122 |
| Net interest margin | 4.3627% | 443 |
| Noninterest income to average assets | 0.6971% | 1,868 |
| Noninterest expense to average assets | 3.4988% | 691 |
| Loan and lease loss provision to assets | 0.1468% | 2,539 |
| Net operating income to assets | 1.0642% | 2,050 |
| Return on assets (ROA) | 1.0778% | 2,137 |
| Pretax return on assets | 1.1697% | 2,443 |
| Return on Equity (ROE) | 11.8830% | 1,354 |
| Retained earnings to average equity (ytd only) | -0.2984% | 4,564 |
| Net charge-offs to loans | 0.0317% | 2,397 |
| Credit loss provision to net charge-offs | 586.7347% | 1,118 |
| Earnings coverage of net charge-offs (x) | 52.0204% | 1,163 |
| Efficiency ratio | 72.8830% | 1,588 |
| Assets per employee ($millions) | 4.5475% | 3,872 |
| Cash dividends to net income (ytd only)* | 102.5113% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,383 |
| Loan loss allowance to noncurrent loans | 97.9966% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 921 |
| Noncurrent loans to loans | 1.3323% | 1,016 |
| Net loans and leases to total assets | 75.8307% | 806 |
| Net loans and leases to deposits | 85.6096% | 1,284 |
| Net loans and leases to core deposits | 88.5612% | 1,641 |
| Total domestic deposits to total assets | 88.5773% | 1,178 |
| Equity capital to assets | 8.9890% | 4,065 |
| Core capital (leverage) ratio | 8.1473% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,623,600 | 1,885 |
| Average earning assets | $368,352,400 | 1,878 |
| Average equity | $35,521,400 | 2,209 |
| Average total loans | $309,028,600 | 1,652 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 329 |
| Cost of funding earning assets | 0.8897% | 1,100 |
| Net interest margin | 4.4426% | 438 |
| Noninterest income to average assets | 0.6712% | 1,898 |
| Noninterest expense to average assets | 3.3752% | 823 |
| Loan and lease loss provision to assets | 0.1460% | 2,562 |
| Net operating income to assets | 1.2487% | 1,490 |
| Return on assets (ROA) | 1.2672% | 1,547 |
| Pretax return on assets | 1.3599% | 1,855 |
| Return on Equity (ROE) | 13.9385% | 892 |
| Retained earnings to average equity (ytd only) | 0.2115% | 4,445 |
| Net charge-offs to loans | 0.0194% | 2,469 |
| Credit loss provision to net charge-offs | 944.4444% | 864 |
| Earnings coverage of net charge-offs (x) | 96.1778% | 815 |
| Efficiency ratio | 69.4329% | 1,973 |
| Assets per employee ($millions) | 4.6969% | 3,602 |
| Cash dividends to net income (ytd only)* | 98.4828% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,272 |
| Loan loss allowance to noncurrent loans | 92.8538% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 1,034 |
| Noncurrent loans to loans | 1.3721% | 1,061 |
| Net loans and leases to total assets | 75.1516% | 1,216 |
| Net loans and leases to deposits | 84.7701% | 1,830 |
| Net loans and leases to core deposits | 88.1057% | 2,134 |
| Total domestic deposits to total assets | 88.6534% | 917 |
| Equity capital to assets | 8.8908% | 4,189 |
| Core capital (leverage) ratio | 8.5848% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,347,500 | 1,883 |
| Average earning assets | $366,262,500 | 1,860 |
| Average equity | $35,306,500 | 2,205 |
| Average total loans | $308,543,750 | 1,652 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 276 |
| Cost of funding earning assets | 0.9612% | 1,102 |
| Net interest margin | 4.6423% | 385 |
| Noninterest income to average assets | 0.6751% | 1,834 |
| Noninterest expense to average assets | 3.5049% | 744 |
| Loan and lease loss provision to assets | 0.1441% | 2,572 |
| Net operating income to assets | 1.4078% | 1,099 |
| Return on assets (ROA) | 1.4377% | 1,128 |
| Pretax return on assets | 1.4377% | 1,618 |
| Return on Equity (ROE) | 15.6900% | 615 |
| Retained earnings to average equity (ytd only) | -0.5663% | 4,412 |
| Net charge-offs to loans | 0.0312% | 2,099 |
| Credit loss provision to net charge-offs | 572.9167% | 1,137 |
| Earnings coverage of net charge-offs (x) | 61.6875% | 943 |
| Efficiency ratio | 69.3097% | 2,046 |
| Assets per employee ($millions) | 4.6361% | 3,611 |
| Cash dividends to net income (ytd only)* | 103.6092% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,568 |
| Loan loss allowance to noncurrent loans | 71.4152% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 799 |
| Noncurrent loans to loans | 1.6677% | 871 |
| Net loans and leases to total assets | 75.7542% | 1,174 |
| Net loans and leases to deposits | 85.8898% | 1,776 |
| Net loans and leases to core deposits | 89.3304% | 2,127 |
| Total domestic deposits to total assets | 88.1993% | 1,084 |
| Equity capital to assets | 8.6213% | 4,412 |
| Core capital (leverage) ratio | 8.7818% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,585,333 | 1,887 |
| Average earning assets | $360,167,000 | 1,857 |
| Average equity | $34,965,000 | 2,204 |
| Average total loans | $307,705,667 | 1,635 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 419 |
| Cost of funding earning assets | 1.0607% | 1,178 |
| Net interest margin | 4.3874% | 643 |
| Noninterest income to average assets | 0.7412% | 1,492 |
| Noninterest expense to average assets | 3.7795% | 641 |
| Loan and lease loss provision to assets | 0.0825% | 2,665 |
| Net operating income to assets | 1.0139% | 2,135 |
| Return on assets (ROA) | 1.0766% | 2,020 |
| Pretax return on assets | 1.0766% | 2,597 |
| Return on Equity (ROE) | 11.3634% | 1,299 |
| Retained earnings to average equity (ytd only) | -13.3250% | 4,858 |
| Net charge-offs to loans | 0.0252% | 1,862 |
| Credit loss provision to net charge-offs | 394.7368% | 1,019 |
| Earnings coverage of net charge-offs (x) | 52.4737% | 868 |
| Efficiency ratio | 77.5147% | 1,398 |
| Assets per employee ($millions) | 3.8566% | 4,110 |
| Cash dividends to net income (ytd only)* | 217.2625% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,750 |
| Loan loss allowance to noncurrent loans | 76.3533% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 856 |
| Noncurrent loans to loans | 1.5508% | 1,014 |
| Net loans and leases to total assets | 82.8872% | 365 |
| Net loans and leases to deposits | 94.9214% | 1,004 |
| Net loans and leases to core deposits | 99.1116% | 1,541 |
| Total domestic deposits to total assets | 87.3219% | 1,414 |
| Equity capital to assets | 9.0881% | 4,543 |
| Core capital (leverage) ratio | 9.4126% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,754,000 | 1,910 |
| Average earning assets | $342,796,500 | 1,877 |
| Average equity | $34,461,500 | 2,223 |
| Average total loans | $301,612,000 | 1,640 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 516 |
| Cost of funding earning assets | 1.0940% | 1,352 |
| Net interest margin | 4.4559% | 787 |
| Noninterest income to average assets | 0.6382% | 2,051 |
| Noninterest expense to average assets | 3.6080% | 847 |
| Loan and lease loss provision to assets | 0.0843% | 2,321 |
| Net operating income to assets | 1.1469% | 2,265 |
| Return on assets (ROA) | 1.1955% | 2,171 |
| Pretax return on assets | 1.1955% | 2,854 |
| Return on Equity (ROE) | 12.5414% | 1,317 |
| Retained earnings to average equity (ytd only) | 7.0928% | 1,356 |
| Net charge-offs to loans | -0.0100% | 4,469 |
| Credit loss provision to net charge-offs | -1,034.4828% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5589% | 1,541 |
| Assets per employee ($millions) | 4.8150% | 2,822 |
| Cash dividends to net income (ytd only)* | 43.4445% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,372 |
| Loan loss allowance to noncurrent loans | 101.8766% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 1,235 |
| Noncurrent loans to loans | 1.1886% | 1,273 |
| Net loans and leases to total assets | 80.9464% | 672 |
| Net loans and leases to deposits | 93.5765% | 1,197 |
| Net loans and leases to core deposits | 97.7254% | 1,749 |
| Total domestic deposits to total assets | 86.5028% | 1,846 |
| Equity capital to assets | 9.8652% | 4,046 |
| Core capital (leverage) ratio | 9.7411% | 3,800 |
| Tier 1 risk-based capital ratio | 11.6838% | 4,534 |
| Total risk-based capital ratio | 12.8565% | 4,458 |
| Memoranda: | ||
| Average total assets | $356,012,400 | 1,888 |
| Average earning assets | $335,643,000 | 1,861 |
| Average equity | $33,935,600 | 2,191 |
| Average total loans | $289,328,400 | 1,649 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5151% | 569 |
| Cost of funding earning assets | 1.0799% | 1,430 |
| Net interest margin | 4.4351% | 876 |
| Noninterest income to average assets | 0.4296% | 3,148 |
| Noninterest expense to average assets | 3.8777% | 605 |
| Loan and lease loss provision to assets | 0.0752% | 2,388 |
| Net operating income to assets | 0.6536% | 4,151 |
| Return on assets (ROA) | 0.7115% | 4,046 |
| Pretax return on assets | 0.7115% | 4,318 |
| Return on Equity (ROE) | 7.5312% | 3,495 |
| Retained earnings to average equity (ytd only) | 0.5132% | 4,662 |
| Net charge-offs to loans | -0.0283% | 4,682 |
| Credit loss provision to net charge-offs | -327.8689% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1792% | 606 |
| Assets per employee ($millions) | 4.7190% | 2,891 |
| Cash dividends to net income (ytd only)* | 93.1853% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,630 |
| Loan loss allowance to noncurrent loans | 96.6988% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 1,293 |
| Noncurrent loans to loans | 1.2164% | 1,292 |
| Net loans and leases to total assets | 80.2318% | 820 |
| Net loans and leases to deposits | 92.4950% | 1,373 |
| Net loans and leases to core deposits | 96.2553% | 1,972 |
| Total domestic deposits to total assets | 86.7418% | 1,657 |
| Equity capital to assets | 9.0877% | 4,736 |
| Core capital (leverage) ratio | 9.1192% | 4,542 |
| Tier 1 risk-based capital ratio | 10.9454% | 4,936 |
| Total risk-based capital ratio | 12.0965% | 4,871 |
| Memoranda: | ||
| Average total assets | $354,733,500 | 1,907 |
| Average earning assets | $334,081,750 | 1,881 |
| Average equity | $33,513,000 | 2,226 |
| Average total loans | $287,684,750 | 1,666 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 601 |
| Cost of funding earning assets | 1.0379% | 1,545 |
| Net interest margin | 4.4312% | 885 |
| Noninterest income to average assets | 0.7143% | 1,659 |
| Noninterest expense to average assets | 3.7741% | 683 |
| Loan and lease loss provision to assets | 0.0856% | 2,131 |
| Net operating income to assets | 1.0157% | 2,860 |
| Return on assets (ROA) | 1.0163% | 2,938 |
| Pretax return on assets | 1.0163% | 3,486 |
| Return on Equity (ROE) | 10.6161% | 2,130 |
| Retained earnings to average equity (ytd only) | 3.4234% | 3,528 |
| Net charge-offs to loans | -0.0225% | 4,586 |
| Credit loss provision to net charge-offs | -468.7500% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4095% | 1,225 |
| Assets per employee ($millions) | 4.4556% | 3,211 |
| Cash dividends to net income (ytd only)* | 67.7528% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,569 |
| Loan loss allowance to noncurrent loans | 108.6310% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 706 |
| Noncurrent loans to loans | 1.0975% | 1,495 |
| Net loans and leases to total assets | 77.9384% | 1,234 |
| Net loans and leases to deposits | 90.8538% | 1,649 |
| Net loans and leases to core deposits | 94.4376% | 2,214 |
| Total domestic deposits to total assets | 85.7844% | 2,143 |
| Equity capital to assets | 9.3273% | 4,552 |
| Core capital (leverage) ratio | 9.5483% | 4,106 |
| Tier 1 risk-based capital ratio | 11.4370% | 4,716 |
| Total risk-based capital ratio | 12.5974% | 4,660 |
| Memoranda: | ||
| Average total assets | $350,284,330 | 1,935 |
| Average earning assets | $328,937,330 | 1,913 |
| Average equity | $33,534,000 | 2,222 |
| Average total loans | $283,968,670 | 1,695 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5218% | 507 |
| Cost of funding earning assets | 1.0094% | 1,533 |
| Net interest margin | 4.5124% | 722 |
| Noninterest income to average assets | 0.6314% | 1,903 |
| Noninterest expense to average assets | 3.5035% | 963 |
| Loan and lease loss provision to assets | 0.1459% | 1,163 |
| Net operating income to assets | 1.2079% | 2,026 |
| Return on assets (ROA) | 1.2079% | 2,075 |
| Pretax return on assets | 1.2079% | 2,776 |
| Return on Equity (ROE) | 12.4466% | 1,400 |
| Retained earnings to average equity (ytd only) | 2.9102% | 3,774 |
| Net charge-offs to loans | -0.0781% | 4,963 |
| Credit loss provision to net charge-offs | -227.2727% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1288% | 2,023 |
| Assets per employee ($millions) | 4.5052% | 3,186 |
| Cash dividends to net income (ytd only)* | 76.6184% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,507 |
| Loan loss allowance to noncurrent loans | 97.1429% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.7599% | 605 |
| Noncurrent loans to loans | 1.2487% | 1,318 |
| Net loans and leases to total assets | 80.6190% | 766 |
| Net loans and leases to deposits | 94.4684% | 1,118 |
| Net loans and leases to core deposits | 97.8408% | 1,790 |
| Total domestic deposits to total assets | 85.3397% | 2,550 |
| Equity capital to assets | 9.6445% | 4,135 |
| Core capital (leverage) ratio | 9.8459% | 3,770 |
| Tier 1 risk-based capital ratio | 11.4048% | 4,780 |
| Total risk-based capital ratio | 12.5726% | 4,737 |
| Memoranda: | ||
| Average total assets | $342,747,500 | 1,976 |
| Average earning assets | $320,983,000 | 1,956 |
| Average equity | $33,262,000 | 2,237 |
| Average total loans | $281,858,000 | 1,713 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3841% | 493 |
| Cost of funding earning assets | 0.7891% | 1,582 |
| Net interest margin | 4.5949% | 610 |
| Noninterest income to average assets | 0.7202% | 1,772 |
| Noninterest expense to average assets | 3.4824% | 1,012 |
| Loan and lease loss provision to assets | 0.1218% | 1,807 |
| Net operating income to assets | 1.4620% | 1,230 |
| Return on assets (ROA) | 1.4531% | 1,253 |
| Pretax return on assets | 1.4531% | 1,942 |
| Return on Equity (ROE) | 14.6808% | 904 |
| Retained earnings to average equity (ytd only) | 3.9071% | 3,433 |
| Net charge-offs to loans | 0.0063% | 3,470 |
| Credit loss provision to net charge-offs | 2,352.9412% | 196 |
| Earnings coverage of net charge-offs (x) | 305.9412% | 325 |
| Efficiency ratio | 68.7384% | 2,425 |
| Assets per employee ($millions) | 4.2860% | 3,482 |
| Cash dividends to net income (ytd only)* | 73.3864% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,770 |
| Loan loss allowance to noncurrent loans | 93.3180% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7100% | 625 |
| Noncurrent loans to loans | 1.2426% | 1,283 |
| Net loans and leases to total assets | 81.9152% | 665 |
| Net loans and leases to deposits | 96.2307% | 1,052 |
| Net loans and leases to core deposits | 99.5081% | 1,753 |
| Total domestic deposits to total assets | 85.1237% | 2,596 |
| Equity capital to assets | 9.7660% | 3,888 |
| Core capital (leverage) ratio | 9.9486% | 3,648 |
| Tier 1 risk-based capital ratio | 11.4388% | 4,749 |
| Total risk-based capital ratio | 12.5568% | 4,716 |
| Memoranda: | ||
| Average total assets | $328,395,000 | 2,002 |
| Average earning assets | $310,602,400 | 1,968 |
| Average equity | $32,505,000 | 2,188 |
| Average total loans | $268,339,800 | 1,738 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3066% | 518 |
| Cost of funding earning assets | 0.7442% | 1,609 |
| Net interest margin | 4.5624% | 646 |
| Noninterest income to average assets | 0.7157% | 1,812 |
| Noninterest expense to average assets | 3.4457% | 1,061 |
| Loan and lease loss provision to assets | 0.0818% | 2,312 |
| Net operating income to assets | 1.5201% | 1,150 |
| Return on assets (ROA) | 1.5201% | 1,145 |
| Pretax return on assets | 1.5201% | 1,836 |
| Return on Equity (ROE) | 15.3045% | 822 |
| Retained earnings to average equity (ytd only) | 4.5646% | 3,468 |
| Net charge-offs to loans | 0.0045% | 3,283 |
| Credit loss provision to net charge-offs | 2,222.2222% | 191 |
| Earnings coverage of net charge-offs (x) | 434.9892% | 215 |
| Efficiency ratio | 68.2636% | 2,493 |
| Assets per employee ($millions) | 3.9188% | 4,019 |
| Cash dividends to net income (ytd only)* | 70.1749% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,168 |
| Loan loss allowance to noncurrent loans | 76.0179% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 569 |
| Noncurrent loans to loans | 1.4526% | 1,129 |
| Net loans and leases to total assets | 83.3050% | 535 |
| Net loans and leases to deposits | 98.7170% | 886 |
| Net loans and leases to core deposits | 102.2468% | 1,590 |
| Total domestic deposits to total assets | 84.3877% | 2,820 |
| Equity capital to assets | 9.9395% | 3,709 |
| Core capital (leverage) ratio | 10.0276% | 3,607 |
| Tier 1 risk-based capital ratio | 11.9422% | 4,532 |
| Total risk-based capital ratio | 13.0460% | 4,496 |
| Memoranda: | ||
| Average total assets | $325,845,500 | 2,023 |
| Average earning assets | $309,393,000 | 1,983 |
| Average equity | $32,364,500 | 2,196 |
| Average total loans | $265,271,500 | 1,763 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 557 |
| Cost of funding earning assets | 0.7230% | 1,504 |
| Net interest margin | 4.4687% | 736 |
| Noninterest income to average assets | 0.6787% | 1,963 |
| Noninterest expense to average assets | 3.3511% | 1,215 |
| Loan and lease loss provision to assets | 0.0308% | 3,294 |
| Net operating income to assets | 1.5527% | 1,031 |
| Return on assets (ROA) | 1.5527% | 1,035 |
| Pretax return on assets | 1.5527% | 1,648 |
| Return on Equity (ROE) | 15.6359% | 738 |
| Retained earnings to average equity (ytd only) | 5.6689% | 2,739 |
| Net charge-offs to loans | -0.0199% | 4,566 |
| Credit loss provision to net charge-offs | -192.3077% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9106% | 2,662 |
| Assets per employee ($millions) | 4.0180% | 3,866 |
| Cash dividends to net income (ytd only)* | 63.7445% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,188 |
| Loan loss allowance to noncurrent loans | 90.0092% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 694 |
| Noncurrent loans to loans | 1.2369% | 1,400 |
| Net loans and leases to total assets | 79.4166% | 1,107 |
| Net loans and leases to deposits | 94.1122% | 1,345 |
| Net loans and leases to core deposits | 97.0960% | 1,953 |
| Total domestic deposits to total assets | 84.3850% | 2,920 |
| Equity capital to assets | 9.8953% | 3,725 |
| Core capital (leverage) ratio | 10.1077% | 3,469 |
| Tier 1 risk-based capital ratio | 12.1989% | 4,373 |
| Total risk-based capital ratio | 13.2896% | 4,345 |
| Memoranda: | ||
| Average total assets | $324,733,000 | 2,033 |
| Average earning assets | $309,259,330 | 1,990 |
| Average equity | $32,246,330 | 2,214 |
| Average total loans | $261,266,000 | 1,783 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 587 |
| Cost of funding earning assets | 0.7050% | 1,414 |
| Net interest margin | 4.3928% | 780 |
| Noninterest income to average assets | 0.6713% | 1,950 |
| Noninterest expense to average assets | 3.3813% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4729% | 1,137 |
| Return on assets (ROA) | 1.4729% | 1,140 |
| Pretax return on assets | 1.4729% | 1,751 |
| Return on Equity (ROE) | 14.8060% | 834 |
| Retained earnings to average equity (ytd only) | 5.8750% | 2,766 |
| Net charge-offs to loans | -0.0462% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6575% | 2,538 |
| Assets per employee ($millions) | 4.2069% | 3,640 |
| Cash dividends to net income (ytd only)* | 60.3201% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,322 |
| Loan loss allowance to noncurrent loans | 72.0209% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 578 |
| Noncurrent loans to loans | 1.5396% | 1,139 |
| Net loans and leases to total assets | 78.8471% | 1,105 |
| Net loans and leases to deposits | 93.4978% | 1,281 |
| Net loans and leases to core deposits | 96.0158% | 1,975 |
| Total domestic deposits to total assets | 84.3305% | 3,178 |
| Equity capital to assets | 9.8135% | 3,778 |
| Core capital (leverage) ratio | 10.1981% | 3,308 |
| Tier 1 risk-based capital ratio | 12.3179% | 4,368 |
| Total risk-based capital ratio | 13.4170% | 4,348 |
| Memoranda: | ||
| Average total assets | $322,360,000 | 2,062 |
| Average earning assets | $306,953,500 | 2,013 |
| Average equity | $32,068,000 | 2,236 |
| Average total loans | $259,595,500 | 1,796 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 532 |
| Cost of funding earning assets | 0.5310% | 2,098 |
| Net interest margin | 4.5692% | 531 |
| Noninterest income to average assets | 0.6539% | 2,174 |
| Noninterest expense to average assets | 3.3725% | 1,246 |
| Loan and lease loss provision to assets | 0.1711% | 1,282 |
| Net operating income to assets | 1.4561% | 894 |
| Return on assets (ROA) | 1.4561% | 902 |
| Pretax return on assets | 1.4561% | 1,797 |
| Return on Equity (ROE) | 14.1715% | 736 |
| Retained earnings to average equity (ytd only) | 3.7133% | 3,002 |
| Net charge-offs to loans | 0.0746% | 2,381 |
| Credit loss provision to net charge-offs | 285.3261% | 983 |
| Earnings coverage of net charge-offs (x) | 27.1413% | 1,645 |
| Efficiency ratio | 67.4552% | 3,008 |
| Assets per employee ($millions) | 4.0587% | 3,870 |
| Cash dividends to net income (ytd only)* | 73.7973% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,268 |
| Loan loss allowance to noncurrent loans | 46.9041% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 514 |
| Noncurrent loans to loans | 2.3765% | 583 |
| Net loans and leases to total assets | 80.4504% | 899 |
| Net loans and leases to deposits | 96.0102% | 1,088 |
| Net loans and leases to core deposits | 98.7875% | 1,806 |
| Total domestic deposits to total assets | 83.7937% | 3,281 |
| Equity capital to assets | 10.0872% | 3,609 |
| Core capital (leverage) ratio | 10.1546% | 3,239 |
| Tier 1 risk-based capital ratio | 12.3206% | 4,313 |
| Total risk-based capital ratio | 13.4252% | 4,309 |
| Memoranda: | ||
| Average total assets | $306,922,800 | 2,134 |
| Average earning assets | $291,913,000 | 2,088 |
| Average equity | $31,535,200 | 2,249 |
| Average total loans | $246,745,800 | 1,837 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 483 |
| Cost of funding earning assets | 0.4873% | 2,372 |
| Net interest margin | 4.6340% | 462 |
| Noninterest income to average assets | 0.6949% | 2,026 |
| Noninterest expense to average assets | 3.2274% | 1,500 |
| Loan and lease loss provision to assets | 0.2299% | 792 |
| Net operating income to assets | 1.5386% | 818 |
| Return on assets (ROA) | 1.5386% | 848 |
| Pretax return on assets | 1.6433% | 1,265 |
| Return on Equity (ROE) | 14.9042% | 664 |
| Retained earnings to average equity (ytd only) | 4.6782% | 3,093 |
| Net charge-offs to loans | 0.0596% | 2,267 |
| Credit loss provision to net charge-offs | 481.6514% | 665 |
| Earnings coverage of net charge-offs (x) | 39.2476% | 1,320 |
| Efficiency ratio | 63.2758% | 3,671 |
| Assets per employee ($millions) | 4.0561% | 3,891 |
| Cash dividends to net income (ytd only)* | 68.6113% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,925 |
| Loan loss allowance to noncurrent loans | 49.4627% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.5887% | 400 |
| Noncurrent loans to loans | 2.4286% | 642 |
| Net loans and leases to total assets | 76.5869% | 1,485 |
| Net loans and leases to deposits | 91.8468% | 1,589 |
| Net loans and leases to core deposits | 94.7888% | 2,194 |
| Total domestic deposits to total assets | 83.3855% | 3,331 |
| Equity capital to assets | 10.1054% | 3,795 |
| Core capital (leverage) ratio | 10.4761% | 3,015 |
| Tier 1 risk-based capital ratio | 12.8449% | 4,117 |
| Total risk-based capital ratio | 14.0291% | 4,052 |
| Memoranda: | ||
| Average total assets | $304,508,500 | 2,162 |
| Average earning assets | $289,504,750 | 2,115 |
| Average equity | $31,435,500 | 2,271 |
| Average total loans | $244,042,000 | 1,864 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 433 |
| Cost of funding earning assets | 0.4607% | 2,502 |
| Net interest margin | 4.6895% | 399 |
| Noninterest income to average assets | 0.7207% | 1,905 |
| Noninterest expense to average assets | 3.2347% | 1,507 |
| Loan and lease loss provision to assets | 0.2994% | 514 |
| Net operating income to assets | 1.5518% | 787 |
| Return on assets (ROA) | 1.5518% | 806 |
| Pretax return on assets | 1.6569% | 1,173 |
| Return on Equity (ROE) | 14.9215% | 673 |
| Retained earnings to average equity (ytd only) | 5.1189% | 2,626 |
| Net charge-offs to loans | 0.0271% | 2,673 |
| Credit loss provision to net charge-offs | 1,363.6364% | 310 |
| Earnings coverage of net charge-offs (x) | 89.0909% | 705 |
| Efficiency ratio | 62.3125% | 3,940 |
| Assets per employee ($millions) | 3.7378% | 4,377 |
| Cash dividends to net income (ytd only)* | 65.6947% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,976 |
| Loan loss allowance to noncurrent loans | 33.9634% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.2352% | 271 |
| Noncurrent loans to loans | 3.5520% | 318 |
| Net loans and leases to total assets | 80.7092% | 848 |
| Net loans and leases to deposits | 97.7821% | 911 |
| Net loans and leases to core deposits | 100.7897% | 1,595 |
| Total domestic deposits to total assets | 82.5399% | 3,710 |
| Equity capital to assets | 10.5985% | 3,229 |
| Core capital (leverage) ratio | 10.4386% | 2,987 |
| Tier 1 risk-based capital ratio | 13.0232% | 3,980 |
| Total risk-based capital ratio | 14.2358% | 3,926 |
| Memoranda: | ||
| Average total assets | $300,553,330 | 2,188 |
| Average earning assets | $286,512,330 | 2,134 |
| Average equity | $31,257,000 | 2,269 |
| Average total loans | $243,640,330 | 1,864 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 380 |
| Cost of funding earning assets | 0.4481% | 2,540 |
| Net interest margin | 4.7512% | 342 |
| Noninterest income to average assets | 0.6452% | 2,202 |
| Noninterest expense to average assets | 3.2338% | 1,516 |
| Loan and lease loss provision to assets | 0.2987% | 456 |
| Net operating income to assets | 1.5399% | 760 |
| Return on assets (ROA) | 1.5399% | 781 |
| Pretax return on assets | 1.6448% | 1,138 |
| Return on Equity (ROE) | 14.9487% | 655 |
| Retained earnings to average equity (ytd only) | 6.4176% | 2,129 |
| Net charge-offs to loans | 0.0411% | 2,002 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 58.5600% | 817 |
| Efficiency ratio | 62.4615% | 4,081 |
| Assets per employee ($millions) | 4.0612% | 3,907 |
| Cash dividends to net income (ytd only)* | 57.0690% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,558 |
| Loan loss allowance to noncurrent loans | 31.8888% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 3.1000% | 312 |
| Noncurrent loans to loans | 3.5230% | 341 |
| Net loans and leases to total assets | 76.8353% | 1,286 |
| Net loans and leases to deposits | 92.0051% | 1,327 |
| Net loans and leases to core deposits | 94.4213% | 1,945 |
| Total domestic deposits to total assets | 83.5120% | 3,653 |
| Equity capital to assets | 10.0098% | 3,748 |
| Core capital (leverage) ratio | 10.5716% | 2,820 |
| Tier 1 risk-based capital ratio | 13.1817% | 3,969 |
| Total risk-based capital ratio | 14.3296% | 3,934 |
| Memoranda: | ||
| Average total assets | $301,318,000 | 2,203 |
| Average earning assets | $287,422,000 | 2,145 |
| Average equity | $31,039,500 | 2,292 |
| Average total loans | $243,317,000 | 1,876 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 567 |
| Cost of funding earning assets | 0.4623% | 2,426 |
| Net interest margin | 4.5603% | 540 |
| Noninterest income to average assets | 0.7980% | 1,747 |
| Noninterest expense to average assets | 3.3481% | 1,473 |
| Loan and lease loss provision to assets | 0.3932% | 399 |
| Net operating income to assets | 1.2715% | 1,297 |
| Return on assets (ROA) | 1.2715% | 1,367 |
| Pretax return on assets | 1.3874% | 1,995 |
| Return on Equity (ROE) | 12.1629% | 1,197 |
| Retained earnings to average equity (ytd only) | 3.2280% | 3,617 |
| Net charge-offs to loans | 0.6283% | 359 |
| Credit loss provision to net charge-offs | 75.3604% | 3,052 |
| Earnings coverage of net charge-offs (x) | 3.4128% | 3,672 |
| Efficiency ratio | 65.2823% | 3,709 |
| Assets per employee ($millions) | 3.4515% | 4,827 |
| Cash dividends to net income (ytd only)* | 73.4606% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 4,087 |
| Loan loss allowance to noncurrent loans | 26.6793% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 3.6737% | 226 |
| Noncurrent loans to loans | 3.8924% | 275 |
| Net loans and leases to total assets | 83.1600% | 465 |
| Net loans and leases to deposits | 100.9856% | 602 |
| Net loans and leases to core deposits | 104.4840% | 1,245 |
| Total domestic deposits to total assets | 82.3484% | 3,978 |
| Equity capital to assets | 10.6156% | 3,021 |
| Core capital (leverage) ratio | 10.3637% | 3,040 |
| Tier 1 risk-based capital ratio | 13.0261% | 4,054 |
| Total risk-based capital ratio | 14.0943% | 4,067 |
| Memoranda: | ||
| Average total assets | $292,492,400 | 2,213 |
| Average earning assets | $277,769,200 | 2,168 |
| Average equity | $30,576,600 | 2,315 |
| Average total loans | $242,874,000 | 1,831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 559 |
| Cost of funding earning assets | 0.4649% | 2,426 |
| Net interest margin | 4.5702% | 535 |
| Noninterest income to average assets | 0.8324% | 1,639 |
| Noninterest expense to average assets | 3.3090% | 1,543 |
| Loan and lease loss provision to assets | 0.4548% | 292 |
| Net operating income to assets | 1.2899% | 1,323 |
| Return on assets (ROA) | 1.2899% | 1,426 |
| Pretax return on assets | 1.4059% | 2,018 |
| Return on Equity (ROE) | 12.3867% | 1,207 |
| Retained earnings to average equity (ytd only) | 3.2845% | 3,934 |
| Net charge-offs to loans | 0.6532% | 307 |
| Credit loss provision to net charge-offs | 84.1043% | 2,615 |
| Earnings coverage of net charge-offs (x) | 3.4407% | 3,417 |
| Efficiency ratio | 64.0067% | 3,932 |
| Assets per employee ($millions) | 3.7869% | 4,327 |
| Cash dividends to net income (ytd only)* | 73.4838% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,847 |
| Loan loss allowance to noncurrent loans | 31.0621% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 3.3142% | 315 |
| Noncurrent loans to loans | 3.5362% | 357 |
| Net loans and leases to total assets | 81.7743% | 654 |
| Net loans and leases to deposits | 100.2430% | 692 |
| Net loans and leases to core deposits | 103.7384% | 1,362 |
| Total domestic deposits to total assets | 81.5761% | 4,084 |
| Equity capital to assets | 10.3251% | 3,774 |
| Core capital (leverage) ratio | 10.2537% | 3,276 |
| Tier 1 risk-based capital ratio | 12.5335% | 4,453 |
| Total risk-based capital ratio | 13.6458% | 4,439 |
| Memoranda: | ||
| Average total assets | $293,134,750 | 2,213 |
| Average earning assets | $278,199,500 | 2,170 |
| Average equity | $30,526,500 | 2,330 |
| Average total loans | $242,685,000 | 1,836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 535 |
| Cost of funding earning assets | 0.4612% | 2,463 |
| Net interest margin | 4.5859% | 523 |
| Noninterest income to average assets | 0.6884% | 2,196 |
| Noninterest expense to average assets | 3.1279% | 1,988 |
| Loan and lease loss provision to assets | 0.4294% | 338 |
| Net operating income to assets | 1.3547% | 1,154 |
| Return on assets (ROA) | 1.3547% | 1,226 |
| Pretax return on assets | 1.4757% | 1,753 |
| Return on Equity (ROE) | 12.9713% | 1,036 |
| Retained earnings to average equity (ytd only) | 4.0256% | 3,343 |
| Net charge-offs to loans | 1.0260% | 176 |
| Credit loss provision to net charge-offs | 50.5255% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.2417% | 3,304 |
| Efficiency ratio | 62.1485% | 4,328 |
| Assets per employee ($millions) | 3.6810% | 4,474 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,809 |
| Loan loss allowance to noncurrent loans | 26.7522% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 3.8081% | 256 |
| Noncurrent loans to loans | 3.5083% | 376 |
| Net loans and leases to total assets | 82.2223% | 601 |
| Net loans and leases to deposits | 101.1247% | 622 |
| Net loans and leases to core deposits | 104.6886% | 1,269 |
| Total domestic deposits to total assets | 81.3078% | 4,185 |
| Equity capital to assets | 10.4638% | 3,679 |
| Core capital (leverage) ratio | 10.3245% | 3,163 |
| Tier 1 risk-based capital ratio | 12.7164% | 4,377 |
| Total risk-based capital ratio | 13.6736% | 4,490 |
| Memoranda: | ||
| Average total assets | $291,124,670 | 2,237 |
| Average earning assets | $275,803,330 | 2,198 |
| Average equity | $30,405,670 | 2,341 |
| Average total loans | $241,127,670 | 1,853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 523 |
| Cost of funding earning assets | 0.4508% | 2,571 |
| Net interest margin | 4.6089% | 490 |
| Noninterest income to average assets | 0.6937% | 2,068 |
| Noninterest expense to average assets | 3.1992% | 1,837 |
| Loan and lease loss provision to assets | 0.3455% | 432 |
| Net operating income to assets | 1.3916% | 1,053 |
| Return on assets (ROA) | 1.3916% | 1,113 |
| Pretax return on assets | 1.5146% | 1,540 |
| Return on Equity (ROE) | 13.3371% | 960 |
| Retained earnings to average equity (ytd only) | 3.9866% | 3,500 |
| Net charge-offs to loans | 2.0428% | 75 |
| Credit loss provision to net charge-offs | 20.4415% | 2,292 |
| Earnings coverage of net charge-offs (x) | 1.1006% | 2,864 |
| Efficiency ratio | 63.2341% | 4,273 |
| Assets per employee ($millions) | 3.6009% | 4,647 |
| Cash dividends to net income (ytd only)* | 70.1092% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,336 |
| Loan loss allowance to noncurrent loans | 23.5962% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.7371% | 282 |
| Noncurrent loans to loans | 3.4180% | 410 |
| Net loans and leases to total assets | 81.5089% | 627 |
| Net loans and leases to deposits | 100.3089% | 606 |
| Net loans and leases to core deposits | 103.3891% | 1,229 |
| Total domestic deposits to total assets | 81.2579% | 4,416 |
| Equity capital to assets | 10.4190% | 3,590 |
| Core capital (leverage) ratio | 10.3235% | 3,164 |
| Tier 1 risk-based capital ratio | 12.5286% | 4,558 |
| Total risk-based capital ratio | 13.3314% | 4,776 |
| Memoranda: | ||
| Average total assets | $289,446,500 | 2,252 |
| Average earning assets | $274,167,000 | 2,217 |
| Average equity | $30,201,500 | 2,355 |
| Average total loans | $239,480,000 | 1,861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 444 |
| Cost of funding earning assets | 0.3702% | 3,484 |
| Net interest margin | 4.8111% | 362 |
| Noninterest income to average assets | 0.7423% | 2,016 |
| Noninterest expense to average assets | 3.2421% | 1,854 |
| Loan and lease loss provision to assets | 0.2308% | 861 |
| Net operating income to assets | 1.6833% | 595 |
| Return on assets (ROA) | 1.6833% | 612 |
| Pretax return on assets | 1.8284% | 759 |
| Return on Equity (ROE) | 15.5696% | 602 |
| Retained earnings to average equity (ytd only) | 5.9539% | 1,818 |
| Net charge-offs to loans | 0.2834% | 1,072 |
| Credit loss provision to net charge-offs | 98.4252% | 2,586 |
| Earnings coverage of net charge-offs (x) | 8.7811% | 2,900 |
| Efficiency ratio | 61.1564% | 4,740 |
| Assets per employee ($millions) | 3.6357% | 4,584 |
| Cash dividends to net income (ytd only)* | 61.7595% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 3,391 |
| Loan loss allowance to noncurrent loans | 31.4809% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 4.1619% | 245 |
| Noncurrent loans to loans | 3.8577% | 325 |
| Net loans and leases to total assets | 82.2998% | 563 |
| Net loans and leases to deposits | 102.3764% | 526 |
| Net loans and leases to core deposits | 105.4236% | 1,136 |
| Total domestic deposits to total assets | 80.3895% | 4,643 |
| Equity capital to assets | 10.4497% | 3,422 |
| Core capital (leverage) ratio | 10.3450% | 3,109 |
| Tier 1 risk-based capital ratio | 12.1247% | 4,871 |
| Total risk-based capital ratio | 13.3149% | 4,811 |
| Memoranda: | ||
| Average total assets | $270,779,800 | 2,339 |
| Average earning assets | $256,592,000 | 2,292 |
| Average equity | $29,275,000 | 2,370 |
| Average total loans | $224,046,800 | 1,897 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 422 |
| Cost of funding earning assets | 0.3535% | 3,719 |
| Net interest margin | 4.8758% | 325 |
| Noninterest income to average assets | 0.7645% | 1,964 |
| Noninterest expense to average assets | 3.2369% | 1,861 |
| Loan and lease loss provision to assets | 0.2625% | 630 |
| Net operating income to assets | 1.7364% | 582 |
| Return on assets (ROA) | 1.7364% | 605 |
| Pretax return on assets | 1.8854% | 747 |
| Return on Equity (ROE) | 15.9179% | 601 |
| Retained earnings to average equity (ytd only) | 6.3479% | 2,043 |
| Net charge-offs to loans | 0.2658% | 997 |
| Credit loss provision to net charge-offs | 119.5900% | 1,992 |
| Earnings coverage of net charge-offs (x) | 9.7859% | 2,666 |
| Efficiency ratio | 60.1114% | 4,875 |
| Assets per employee ($millions) | 3.5449% | 4,708 |
| Cash dividends to net income (ytd only)* | 60.1209% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,140 |
| Loan loss allowance to noncurrent loans | 34.7494% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 4.1428% | 274 |
| Noncurrent loans to loans | 3.7192% | 386 |
| Net loans and leases to total assets | 81.8711% | 590 |
| Net loans and leases to deposits | 102.5719% | 514 |
| Net loans and leases to core deposits | 105.7062% | 1,122 |
| Total domestic deposits to total assets | 79.8182% | 4,788 |
| Equity capital to assets | 10.5992% | 3,481 |
| Core capital (leverage) ratio | 10.5904% | 2,935 |
| Tier 1 risk-based capital ratio | 12.3179% | 4,877 |
| Total risk-based capital ratio | 13.5688% | 4,779 |
| Memoranda: | ||
| Average total assets | $266,669,000 | 2,389 |
| Average earning assets | $252,695,750 | 2,339 |
| Average equity | $29,090,250 | 2,400 |
| Average total loans | $220,236,000 | 1,928 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 382 |
| Cost of funding earning assets | 0.3546% | 3,757 |
| Net interest margin | 4.9151% | 292 |
| Noninterest income to average assets | 0.7711% | 1,913 |
| Noninterest expense to average assets | 3.2547% | 1,835 |
| Loan and lease loss provision to assets | 0.2288% | 823 |
| Net operating income to assets | 1.7955% | 523 |
| Return on assets (ROA) | 1.7955% | 546 |
| Pretax return on assets | 1.9504% | 657 |
| Return on Equity (ROE) | 16.2948% | 576 |
| Retained earnings to average equity (ytd only) | 6.9222% | 1,734 |
| Net charge-offs to loans | 0.2174% | 1,173 |
| Credit loss provision to net charge-offs | 127.6596% | 1,722 |
| Earnings coverage of net charge-offs (x) | 12.1574% | 2,236 |
| Efficiency ratio | 59.8961% | 4,998 |
| Assets per employee ($millions) | 3.4814% | 4,839 |
| Cash dividends to net income (ytd only)* | 57.5191% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,003 |
| Loan loss allowance to noncurrent loans | 34.4624% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 4.1429% | 312 |
| Noncurrent loans to loans | 3.9080% | 403 |
| Net loans and leases to total assets | 80.4118% | 751 |
| Net loans and leases to deposits | 98.8761% | 726 |
| Net loans and leases to core deposits | 101.3375% | 1,374 |
| Total domestic deposits to total assets | 81.3258% | 4,510 |
| Equity capital to assets | 10.7379% | 3,180 |
| Core capital (leverage) ratio | 10.8675% | 2,551 |
| Tier 1 risk-based capital ratio | 13.4305% | 4,258 |
| Total risk-based capital ratio | 14.6823% | 4,188 |
| Memoranda: | ||
| Average total assets | $262,208,670 | 2,438 |
| Average earning assets | $248,746,000 | 2,379 |
| Average equity | $28,892,670 | 2,429 |
| Average total loans | $216,220,670 | 1,963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 298 |
| Cost of funding earning assets | 0.3612% | 3,739 |
| Net interest margin | 5.0485% | 229 |
| Noninterest income to average assets | 0.7222% | 2,054 |
| Noninterest expense to average assets | 3.3393% | 1,621 |
| Loan and lease loss provision to assets | 0.1165% | 1,770 |
| Net operating income to assets | 1.9026% | 402 |
| Return on assets (ROA) | 1.9026% | 429 |
| Pretax return on assets | 2.0642% | 524 |
| Return on Equity (ROE) | 17.0378% | 467 |
| Retained earnings to average equity (ytd only) | 9.2769% | 1,107 |
| Net charge-offs to loans | 0.1142% | 1,606 |
| Credit loss provision to net charge-offs | 122.9508% | 1,426 |
| Earnings coverage of net charge-offs (x) | 23.0164% | 1,333 |
| Efficiency ratio | 60.4952% | 5,031 |
| Assets per employee ($millions) | 3.4919% | 4,911 |
| Cash dividends to net income (ytd only)* | 45.5510% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 3,085 |
| Loan loss allowance to noncurrent loans | 49.1941% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5113% | 858 |
| Noncurrent loans to loans | 2.7710% | 833 |
| Net loans and leases to total assets | 80.9524% | 576 |
| Net loans and leases to deposits | 96.7530% | 785 |
| Net loans and leases to core deposits | 98.9480% | 1,398 |
| Total domestic deposits to total assets | 83.6691% | 3,947 |
| Equity capital to assets | 11.1311% | 2,828 |
| Core capital (leverage) ratio | 11.0240% | 2,392 |
| Tier 1 risk-based capital ratio | 14.0083% | 4,007 |
| Total risk-based capital ratio | 15.2605% | 3,931 |
| Memoranda: | ||
| Average total assets | $257,537,500 | 2,491 |
| Average earning assets | $244,747,000 | 2,432 |
| Average equity | $28,759,500 | 2,446 |
| Average total loans | $213,661,000 | 1,990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 311 |
| Cost of funding earning assets | 0.4156% | 3,531 |
| Net interest margin | 5.0867% | 259 |
| Noninterest income to average assets | 0.6286% | 2,688 |
| Noninterest expense to average assets | 3.2434% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0278% | 310 |
| Return on assets (ROA) | 2.0278% | 319 |
| Pretax return on assets | 2.1816% | 330 |
| Return on Equity (ROE) | 18.7021% | 340 |
| Retained earnings to average equity (ytd only) | 8.2923% | 913 |
| Net charge-offs to loans | 0.4264% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.1595% | 3,258 |
| Efficiency ratio | 59.7858% | 5,251 |
| Assets per employee ($millions) | 3.3313% | 5,217 |
| Cash dividends to net income (ytd only)* | 55.6609% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 3,075 |
| Loan loss allowance to noncurrent loans | 44.7376% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.8750% | 736 |
| Noncurrent loans to loans | 3.0690% | 730 |
| Net loans and leases to total assets | 82.7340% | 456 |
| Net loans and leases to deposits | 99.1339% | 674 |
| Net loans and leases to core deposits | 101.2153% | 1,303 |
| Total domestic deposits to total assets | 83.4568% | 3,926 |
| Equity capital to assets | 11.2043% | 2,688 |
| Core capital (leverage) ratio | 10.8789% | 2,521 |
| Tier 1 risk-based capital ratio | 14.8690% | 3,557 |
| Total risk-based capital ratio | 16.1226% | 3,492 |
| Memoranda: | ||
| Average total assets | $249,585,200 | 2,531 |
| Average earning assets | $235,340,200 | 2,461 |
| Average equity | $27,061,200 | 2,484 |
| Average total loans | $207,292,800 | 1,991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 346 |
| Cost of funding earning assets | 0.4208% | 3,567 |
| Net interest margin | 5.0176% | 286 |
| Noninterest income to average assets | 0.6632% | 2,508 |
| Noninterest expense to average assets | 3.2200% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0389% | 321 |
| Return on assets (ROA) | 2.0389% | 335 |
| Pretax return on assets | 2.1671% | 394 |
| Return on Equity (ROE) | 18.9661% | 347 |
| Retained earnings to average equity (ytd only) | 7.7051% | 1,489 |
| Net charge-offs to loans | 0.0472% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 55.3704% | 920 |
| Efficiency ratio | 59.7731% | 5,215 |
| Assets per employee ($millions) | 3.3984% | 5,050 |
| Cash dividends to net income (ytd only)* | 59.3741% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 1,843 |
| Loan loss allowance to noncurrent loans | 52.3308% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.2270% | 699 |
| Noncurrent loans to loans | 3.3325% | 742 |
| Net loans and leases to total assets | 82.3871% | 474 |
| Net loans and leases to deposits | 98.4030% | 709 |
| Net loans and leases to core deposits | 100.4718% | 1,324 |
| Total domestic deposits to total assets | 83.7242% | 3,869 |
| Equity capital to assets | 10.8050% | 3,176 |
| Core capital (leverage) ratio | 10.6407% | 2,871 |
| Tier 1 risk-based capital ratio | 14.4673% | 3,907 |
| Total risk-based capital ratio | 15.7260% | 3,838 |
| Memoranda: | ||
| Average total assets | $248,686,750 | 2,551 |
| Average earning assets | $234,131,250 | 2,496 |
| Average equity | $26,734,750 | 2,517 |
| Average total loans | $206,020,750 | 2,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 345 |
| Cost of funding earning assets | 0.4248% | 3,603 |
| Net interest margin | 5.0218% | 274 |
| Noninterest income to average assets | 0.6804% | 2,374 |
| Noninterest expense to average assets | 3.2000% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0598% | 297 |
| Return on assets (ROA) | 2.0598% | 311 |
| Pretax return on assets | 2.1969% | 364 |
| Return on Equity (ROE) | 19.1942% | 347 |
| Retained earnings to average equity (ytd only) | 6.3477% | 2,119 |
| Net charge-offs to loans | 0.0029% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 903.0000% | 73 |
| Efficiency ratio | 59.2938% | 5,392 |
| Assets per employee ($millions) | 3.3821% | 5,095 |
| Cash dividends to net income (ytd only)* | 66.9291% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 1,739 |
| Loan loss allowance to noncurrent loans | 63.4102% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.9150% | 886 |
| Noncurrent loans to loans | 2.8944% | 1,026 |
| Net loans and leases to total assets | 80.0624% | 683 |
| Net loans and leases to deposits | 95.2601% | 863 |
| Net loans and leases to core deposits | 97.2387% | 1,500 |
| Total domestic deposits to total assets | 84.0462% | 3,906 |
| Equity capital to assets | 10.5469% | 3,385 |
| Core capital (leverage) ratio | 10.8846% | 2,544 |
| Tier 1 risk-based capital ratio | 14.4722% | 3,945 |
| Total risk-based capital ratio | 15.7323% | 3,882 |
| Memoranda: | ||
| Average total assets | $246,622,000 | 2,574 |
| Average earning assets | $231,630,330 | 2,531 |
| Average equity | $26,466,330 | 2,527 |
| Average total loans | $203,455,670 | 2,025 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 272 |
| Cost of funding earning assets | 0.4416% | 3,522 |
| Net interest margin | 5.1023% | 221 |
| Noninterest income to average assets | 0.6697% | 2,345 |
| Noninterest expense to average assets | 3.1542% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1505% | 262 |
| Return on assets (ROA) | 2.1505% | 274 |
| Pretax return on assets | 2.2871% | 313 |
| Return on Equity (ROE) | 19.8610% | 299 |
| Retained earnings to average equity (ytd only) | 19.8610% | 124 |
| Net charge-offs to loans | -0.0734% | 5,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9679% | 5,652 |
| Assets per employee ($millions) | 3.4079% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 1,783 |
| Loan loss allowance to noncurrent loans | 49.1797% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 3.9842% | 600 |
| Noncurrent loans to loans | 3.8443% | 719 |
| Net loans and leases to total assets | 81.1485% | 443 |
| Net loans and leases to deposits | 92.8076% | 893 |
| Net loans and leases to core deposits | 94.8334% | 1,481 |
| Total domestic deposits to total assets | 87.4373% | 2,538 |
| Equity capital to assets | 11.0392% | 2,684 |
| Core capital (leverage) ratio | 11.1351% | 2,272 |
| Tier 1 risk-based capital ratio | 15.2042% | 3,611 |
| Total risk-based capital ratio | 16.4654% | 3,561 |
| Memoranda: | ||
| Average total assets | $243,104,500 | 2,617 |
| Average earning assets | $227,350,000 | 2,577 |
| Average equity | $26,323,000 | 2,526 |
| Average total loans | $201,743,000 | 2,039 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 302 |
| Cost of funding earning assets | 0.5023% | 3,586 |
| Net interest margin | 5.1219% | 242 |
| Noninterest income to average assets | 0.5781% | 3,224 |
| Noninterest expense to average assets | 3.4105% | 1,860 |
| Loan and lease loss provision to assets | 0.1467% | 2,459 |
| Net operating income to assets | 1.6760% | 606 |
| Return on assets (ROA) | 1.6839% | 611 |
| Pretax return on assets | 1.7866% | 779 |
| Return on Equity (ROE) | 15.8687% | 636 |
| Retained earnings to average equity (ytd only) | 4.7405% | 2,784 |
| Net charge-offs to loans | 0.1759% | 3,071 |
| Credit loss provision to net charge-offs | 103.5503% | 2,341 |
| Earnings coverage of net charge-offs (x) | 13.5858% | 2,008 |
| Efficiency ratio | 63.9221% | 4,909 |
| Assets per employee ($millions) | 3.3450% | 5,197 |
| Cash dividends to net income (ytd only)* | 70.1270% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 1,794 |
| Loan loss allowance to noncurrent loans | 45.5362% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.5890% | 538 |
| Noncurrent loans to loans | 4.1614% | 676 |
| Net loans and leases to total assets | 81.6874% | 438 |
| Net loans and leases to deposits | 92.8525% | 975 |
| Net loans and leases to core deposits | 94.8999% | 1,532 |
| Total domestic deposits to total assets | 87.9754% | 2,191 |
| Equity capital to assets | 10.6125% | 3,032 |
| Core capital (leverage) ratio | 10.6398% | 2,743 |
| Tier 1 risk-based capital ratio | 14.6838% | 3,849 |
| Total risk-based capital ratio | 15.9453% | 3,785 |
| Memoranda: | ||
| Average total assets | $238,557,200 | 2,632 |
| Average earning assets | $221,579,200 | 2,601 |
| Average equity | $25,314,000 | 2,601 |
| Average total loans | $192,188,400 | 2,078 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6218% | 310 |
| Cost of funding earning assets | 0.5116% | 3,656 |
| Net interest margin | 5.1103% | 252 |
| Noninterest income to average assets | 0.6219% | 3,029 |
| Noninterest expense to average assets | 3.3262% | 2,012 |
| Loan and lease loss provision to assets | 0.1961% | 1,860 |
| Net operating income to assets | 1.7062% | 624 |
| Return on assets (ROA) | 1.7166% | 638 |
| Pretax return on assets | 1.8510% | 798 |
| Return on Equity (ROE) | 16.1774% | 629 |
| Retained earnings to average equity (ytd only) | 5.4435% | 2,763 |
| Net charge-offs to loans | 0.1845% | 2,751 |
| Credit loss provision to net charge-offs | 133.0798% | 1,774 |
| Earnings coverage of net charge-offs (x) | 13.8174% | 1,994 |
| Efficiency ratio | 62.0311% | 5,134 |
| Assets per employee ($millions) | 3.3200% | 5,248 |
| Cash dividends to net income (ytd only)* | 66.3512% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 1,827 |
| Loan loss allowance to noncurrent loans | 44.5300% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 5.0780% | 539 |
| Noncurrent loans to loans | 4.4015% | 752 |
| Net loans and leases to total assets | 82.2294% | 354 |
| Net loans and leases to deposits | 93.8617% | 836 |
| Net loans and leases to core deposits | 96.0906% | 1,386 |
| Total domestic deposits to total assets | 87.6070% | 2,358 |
| Equity capital to assets | 10.7996% | 2,953 |
| Core capital (leverage) ratio | 10.8629% | 2,606 |
| Tier 1 risk-based capital ratio | 14.6039% | 4,013 |
| Total risk-based capital ratio | 15.8657% | 3,952 |
| Memoranda: | ||
| Average total assets | $237,986,750 | 2,654 |
| Average earning assets | $220,752,250 | 2,624 |
| Average equity | $25,252,750 | 2,632 |
| Average total loans | $190,101,750 | 2,094 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 293 |
| Cost of funding earning assets | 0.5204% | 3,701 |
| Net interest margin | 5.1454% | 229 |
| Noninterest income to average assets | 0.5973% | 3,212 |
| Noninterest expense to average assets | 3.3082% | 2,049 |
| Loan and lease loss provision to assets | 0.2932% | 1,234 |
| Net operating income to assets | 1.6381% | 697 |
| Return on assets (ROA) | 1.6537% | 749 |
| Pretax return on assets | 1.7835% | 962 |
| Return on Equity (ROE) | 15.6762% | 706 |
| Retained earnings to average equity (ytd only) | 5.7495% | 2,586 |
| Net charge-offs to loans | 0.1685% | 2,769 |
| Credit loss provision to net charge-offs | 221.5190% | 1,100 |
| Earnings coverage of net charge-offs (x) | 15.5633% | 1,727 |
| Efficiency ratio | 61.6261% | 5,228 |
| Assets per employee ($millions) | 3.4081% | 5,042 |
| Cash dividends to net income (ytd only)* | 63.3232% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 1,640 |
| Loan loss allowance to noncurrent loans | 67.5951% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 3.8463% | 936 |
| Noncurrent loans to loans | 3.1023% | 1,427 |
| Net loans and leases to total assets | 77.8882% | 761 |
| Net loans and leases to deposits | 88.5518% | 1,276 |
| Net loans and leases to core deposits | 90.6080% | 1,852 |
| Total domestic deposits to total assets | 87.9578% | 2,275 |
| Equity capital to assets | 10.6502% | 3,118 |
| Core capital (leverage) ratio | 10.6819% | 2,687 |
| Tier 1 risk-based capital ratio | 15.1263% | 3,693 |
| Total risk-based capital ratio | 16.3900% | 3,645 |
| Memoranda: | ||
| Average total assets | $238,742,000 | 2,662 |
| Average earning assets | $221,361,670 | 2,623 |
| Average equity | $25,184,670 | 2,654 |
| Average total loans | $187,566,670 | 2,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 326 |
| Cost of funding earning assets | 0.5288% | 3,792 |
| Net interest margin | 5.0481% | 271 |
| Noninterest income to average assets | 0.6247% | 3,009 |
| Noninterest expense to average assets | 3.3329% | 2,002 |
| Loan and lease loss provision to assets | 0.3350% | 1,001 |
| Net operating income to assets | 1.5198% | 826 |
| Return on assets (ROA) | 1.5509% | 837 |
| Pretax return on assets | 1.6748% | 1,141 |
| Return on Equity (ROE) | 14.7729% | 810 |
| Retained earnings to average equity (ytd only) | -5.1689% | 6,378 |
| Net charge-offs to loans | 0.3540% | 1,582 |
| Credit loss provision to net charge-offs | 121.2121% | 1,587 |
| Earnings coverage of net charge-offs (x) | 7.1515% | 2,108 |
| Efficiency ratio | 62.7760% | 5,183 |
| Assets per employee ($millions) | 3.4092% | 5,180 |
| Cash dividends to net income (ytd only)* | 134.9892% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 1,919 |
| Loan loss allowance to noncurrent loans | 77.6244% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 3.4831% | 1,225 |
| Noncurrent loans to loans | 2.6412% | 1,947 |
| Net loans and leases to total assets | 76.5363% | 774 |
| Net loans and leases to deposits | 86.9065% | 1,259 |
| Net loans and leases to core deposits | 89.1339% | 1,788 |
| Total domestic deposits to total assets | 88.0674% | 2,268 |
| Equity capital to assets | 10.4198% | 3,645 |
| Core capital (leverage) ratio | 10.1576% | 3,201 |
| Tier 1 risk-based capital ratio | 14.6445% | 4,069 |
| Total risk-based capital ratio | 15.9073% | 4,027 |
| Memoranda: | ||
| Average total assets | $238,828,500 | 2,687 |
| Average earning assets | $221,626,000 | 2,654 |
| Average equity | $25,073,000 | 2,699 |
| Average total loans | $186,451,500 | 2,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9925% | 265 |
| Cost of funding earning assets | 0.7572% | 3,037 |
| Net interest margin | 5.2353% | 256 |
| Noninterest income to average assets | 0.7151% | 2,638 |
| Noninterest expense to average assets | 3.2942% | 2,358 |
| Loan and lease loss provision to assets | 0.7432% | 678 |
| Net operating income to assets | 1.3972% | 1,107 |
| Return on assets (ROA) | 1.3972% | 1,218 |
| Pretax return on assets | 1.5046% | 1,662 |
| Return on Equity (ROE) | 13.8163% | 1,027 |
| Retained earnings to average equity (ytd only) | 11.2042% | 419 |
| Net charge-offs to loans | 0.4145% | 2,587 |
| Credit loss provision to net charge-offs | 224.9357% | 1,111 |
| Earnings coverage of net charge-offs (x) | 6.8033% | 2,737 |
| Efficiency ratio | 59.4406% | 5,628 |
| Assets per employee ($millions) | 3.5674% | 4,856 |
| Cash dividends to net income (ytd only)* | 18.9058% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 1,934 |
| Loan loss allowance to noncurrent loans | 87.4019% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 3.2726% | 1,408 |
| Noncurrent loans to loans | 2.3247% | 2,313 |
| Net loans and leases to total assets | 76.4154% | 864 |
| Net loans and leases to deposits | 87.1810% | 1,365 |
| Net loans and leases to core deposits | 89.3497% | 1,918 |
| Total domestic deposits to total assets | 87.6515% | 2,448 |
| Equity capital to assets | 10.5767% | 3,432 |
| Core capital (leverage) ratio | 10.2463% | 3,079 |
| Tier 1 risk-based capital ratio | 14.8674% | 3,791 |
| Total risk-based capital ratio | 16.1302% | 3,738 |
| Memoranda: | ||
| Average total assets | $235,477,600 | 2,674 |
| Average earning assets | $217,105,200 | 2,639 |
| Average equity | $23,812,400 | 2,764 |
| Average total loans | $187,690,400 | 2,118 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 310 |
| Cost of funding earning assets | 0.8051% | 2,898 |
| Net interest margin | 5.1340% | 317 |
| Noninterest income to average assets | 0.7440% | 2,512 |
| Noninterest expense to average assets | 3.2640% | 2,372 |
| Loan and lease loss provision to assets | 0.7673% | 633 |
| Net operating income to assets | 1.3356% | 1,361 |
| Return on assets (ROA) | 1.3356% | 1,500 |
| Pretax return on assets | 1.4385% | 2,120 |
| Return on Equity (ROE) | 13.3640% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.8268% | 960 |
| Net charge-offs to loans | 0.4801% | 2,178 |
| Credit loss provision to net charge-offs | 199.4092% | 1,395 |
| Earnings coverage of net charge-offs (x) | 5.7327% | 2,942 |
| Efficiency ratio | 59.6737% | 5,555 |
| Assets per employee ($millions) | 3.5104% | 4,960 |
| Cash dividends to net income (ytd only)* | 26.4680% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 2,706 |
| Loan loss allowance to noncurrent loans | 57.5458% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 4.0472% | 1,189 |
| Noncurrent loans to loans | 3.1776% | 1,739 |
| Net loans and leases to total assets | 78.4711% | 675 |
| Net loans and leases to deposits | 89.6116% | 1,197 |
| Net loans and leases to core deposits | 92.2994% | 1,752 |
| Total domestic deposits to total assets | 87.5680% | 2,309 |
| Equity capital to assets | 10.2071% | 4,193 |
| Core capital (leverage) ratio | 9.8544% | 3,750 |
| Tier 1 risk-based capital ratio | 13.8618% | 4,639 |
| Total risk-based capital ratio | 15.1268% | 4,583 |
| Memoranda: | ||
| Average total assets | $234,593,000 | 2,704 |
| Average earning assets | $215,941,500 | 2,686 |
| Average equity | $23,445,500 | 2,827 |
| Average total loans | $188,004,750 | 2,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 281 |
| Cost of funding earning assets | 0.8370% | 2,892 |
| Net interest margin | 5.1962% | 289 |
| Noninterest income to average assets | 0.6715% | 2,823 |
| Noninterest expense to average assets | 3.2836% | 2,352 |
| Loan and lease loss provision to assets | 0.7718% | 668 |
| Net operating income to assets | 1.2829% | 1,485 |
| Return on assets (ROA) | 1.2829% | 1,643 |
| Pretax return on assets | 1.3807% | 2,285 |
| Return on Equity (ROE) | 12.9306% | 1,379 |
| Retained earnings to average equity (ytd only) | 7.5543% | 1,839 |
| Net charge-offs to loans | 0.6115% | 1,791 |
| Credit loss provision to net charge-offs | 157.3427% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.3881% | 3,104 |
| Efficiency ratio | 60.4038% | 5,515 |
| Assets per employee ($millions) | 3.4782% | 5,031 |
| Cash dividends to net income (ytd only)* | 41.5775% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 3,265 |
| Loan loss allowance to noncurrent loans | 55.4400% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 4.1318% | 1,213 |
| Noncurrent loans to loans | 3.0495% | 1,930 |
| Net loans and leases to total assets | 76.1776% | 946 |
| Net loans and leases to deposits | 86.8607% | 1,489 |
| Net loans and leases to core deposits | 89.8145% | 2,006 |
| Total domestic deposits to total assets | 87.7009% | 2,335 |
| Equity capital to assets | 9.7915% | 4,644 |
| Core capital (leverage) ratio | 9.6019% | 3,998 |
| Tier 1 risk-based capital ratio | 13.5918% | 4,747 |
| Total risk-based capital ratio | 14.8552% | 4,706 |
| Memoranda: | ||
| Average total assets | $233,221,670 | 2,721 |
| Average earning assets | $213,848,330 | 2,716 |
| Average equity | $23,139,000 | 2,838 |
| Average total loans | $187,071,330 | 2,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3825% | 184 |
| Cost of funding earning assets | 0.8698% | 2,917 |
| Net interest margin | 5.5127% | 179 |
| Noninterest income to average assets | 0.6457% | 2,952 |
| Noninterest expense to average assets | 3.3241% | 2,219 |
| Loan and lease loss provision to assets | 0.7832% | 633 |
| Net operating income to assets | 1.4497% | 1,118 |
| Return on assets (ROA) | 1.4497% | 1,250 |
| Pretax return on assets | 1.5681% | 1,670 |
| Return on Equity (ROE) | 14.5128% | 1,074 |
| Retained earnings to average equity (ytd only) | 14.5128% | 507 |
| Net charge-offs to loans | 1.2855% | 793 |
| Credit loss provision to net charge-offs | 74.6269% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.2405% | 3,269 |
| Efficiency ratio | 58.5710% | 5,836 |
| Assets per employee ($millions) | 3.4810% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 4,502 |
| Loan loss allowance to noncurrent loans | 58.2586% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.8683% | 1,440 |
| Noncurrent loans to loans | 2.4431% | 2,669 |
| Net loans and leases to total assets | 79.0798% | 481 |
| Net loans and leases to deposits | 90.5603% | 915 |
| Net loans and leases to core deposits | 93.3953% | 1,513 |
| Total domestic deposits to total assets | 87.3228% | 2,757 |
| Equity capital to assets | 10.0198% | 4,102 |
| Core capital (leverage) ratio | 9.8829% | 3,521 |
| Tier 1 risk-based capital ratio | 13.3862% | 4,907 |
| Total risk-based capital ratio | 14.6456% | 4,894 |
| Memoranda: | ||
| Average total assets | $229,836,000 | 2,766 |
| Average earning assets | $209,699,500 | 2,781 |
| Average equity | $22,959,000 | 2,858 |
| Average total loans | $187,624,500 | 2,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0912% | 375 |
| Cost of funding earning assets | 0.9734% | 3,553 |
| Net interest margin | 5.1178% | 328 |
| Noninterest income to average assets | 0.7888% | 2,125 |
| Noninterest expense to average assets | 3.2879% | 2,557 |
| Loan and lease loss provision to assets | 0.7760% | 1,284 |
| Net operating income to assets | 1.3108% | 1,216 |
| Return on assets (ROA) | 1.3125% | 1,319 |
| Pretax return on assets | 1.4078% | 1,759 |
| Return on Equity (ROE) | 13.7674% | 988 |
| Retained earnings to average equity (ytd only) | 6.2186% | 1,898 |
| Net charge-offs to loans | 0.8974% | 1,936 |
| Credit loss provision to net charge-offs | 105.8041% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.9752% | 3,720 |
| Efficiency ratio | 60.1086% | 5,739 |
| Assets per employee ($millions) | 3.3300% | 5,430 |
| Cash dividends to net income (ytd only)* | 54.8311% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 4,044 |
| Loan loss allowance to noncurrent loans | 37.0429% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 5.2137% | 1,005 |
| Noncurrent loans to loans | 4.0404% | 1,545 |
| Net loans and leases to total assets | 81.8453% | 349 |
| Net loans and leases to deposits | 93.3179% | 861 |
| Net loans and leases to core deposits | 96.6409% | 1,440 |
| Total domestic deposits to total assets | 87.7060% | 2,331 |
| Equity capital to assets | 9.9579% | 4,214 |
| Core capital (leverage) ratio | 9.6418% | 3,813 |
| Tier 1 risk-based capital ratio | 12.9468% | 5,112 |
| Total risk-based capital ratio | 14.2074% | 5,082 |
| Memoranda: | ||
| Average total assets | $225,525,200 | 2,778 |
| Average earning assets | $206,281,600 | 2,776 |
| Average equity | $21,500,000 | 2,950 |
| Average total loans | $184,317,800 | 2,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0346% | 429 |
| Cost of funding earning assets | 0.9891% | 3,755 |
| Net interest margin | 5.0455% | 379 |
| Noninterest income to average assets | 0.7960% | 2,071 |
| Noninterest expense to average assets | 3.1916% | 2,849 |
| Loan and lease loss provision to assets | 0.7693% | 1,224 |
| Net operating income to assets | 1.3530% | 1,258 |
| Return on assets (ROA) | 1.3552% | 1,336 |
| Pretax return on assets | 1.4564% | 1,768 |
| Return on Equity (ROE) | 14.3766% | 963 |
| Retained earnings to average equity (ytd only) | 4.1874% | 3,753 |
| Net charge-offs to loans | 1.1154% | 1,422 |
| Credit loss provision to net charge-offs | 84.7458% | 3,970 |
| Earnings coverage of net charge-offs (x) | 2.4492% | 3,902 |
| Efficiency ratio | 58.9399% | 5,876 |
| Assets per employee ($millions) | 3.3771% | 5,306 |
| Cash dividends to net income (ytd only)* | 70.8734% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,753 |
| Loan loss allowance to noncurrent loans | 38.2579% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 5.0474% | 1,137 |
| Noncurrent loans to loans | 3.5422% | 1,940 |
| Net loans and leases to total assets | 78.8000% | 627 |
| Net loans and leases to deposits | 89.8255% | 1,237 |
| Net loans and leases to core deposits | 92.4916% | 1,939 |
| Total domestic deposits to total assets | 87.7256% | 2,216 |
| Equity capital to assets | 9.5453% | 5,015 |
| Core capital (leverage) ratio | 9.4084% | 4,292 |
| Tier 1 risk-based capital ratio | 12.3957% | 5,585 |
| Total risk-based capital ratio | 13.6482% | 5,569 |
| Memoranda: | ||
| Average total assets | $225,295,750 | 2,787 |
| Average earning assets | $206,249,500 | 2,780 |
| Average equity | $21,237,750 | 2,976 |
| Average total loans | $183,360,000 | 2,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0753% | 409 |
| Cost of funding earning assets | 1.0075% | 3,905 |
| Net interest margin | 5.0678% | 352 |
| Noninterest income to average assets | 0.6281% | 2,961 |
| Noninterest expense to average assets | 3.1915% | 2,935 |
| Loan and lease loss provision to assets | 0.8041% | 1,144 |
| Net operating income to assets | 1.1859% | 1,617 |
| Return on assets (ROA) | 1.1892% | 1,702 |
| Pretax return on assets | 1.2785% | 2,211 |
| Return on Equity (ROE) | 12.6700% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.8167% | 3,106 |
| Net charge-offs to loans | 0.1113% | 4,582 |
| Credit loss provision to net charge-offs | 882.3529% | 364 |
| Earnings coverage of net charge-offs (x) | 22.8137% | 1,109 |
| Efficiency ratio | 60.5526% | 5,793 |
| Assets per employee ($millions) | 3.4599% | 5,053 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,582 |
| Loan loss allowance to noncurrent loans | 33.0236% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 6.2105% | 887 |
| Noncurrent loans to loans | 5.8391% | 1,043 |
| Net loans and leases to total assets | 79.5596% | 579 |
| Net loans and leases to deposits | 90.5577% | 1,218 |
| Net loans and leases to core deposits | 94.2052% | 1,872 |
| Total domestic deposits to total assets | 87.8551% | 2,241 |
| Equity capital to assets | 9.5939% | 4,667 |
| Core capital (leverage) ratio | 9.3675% | 4,158 |
| Tier 1 risk-based capital ratio | 12.6238% | 5,240 |
| Total risk-based capital ratio | 13.8900% | 5,194 |
| Memoranda: | ||
| Average total assets | $223,847,330 | 2,817 |
| Average earning assets | $205,061,330 | 2,814 |
| Average equity | $21,010,330 | 2,997 |
| Average total loans | $183,332,330 | 2,243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1476% | 366 |
| Cost of funding earning assets | 1.0363% | 3,944 |
| Net interest margin | 5.1113% | 298 |
| Noninterest income to average assets | 0.7970% | 2,048 |
| Noninterest expense to average assets | 3.2204% | 2,816 |
| Loan and lease loss provision to assets | 0.8060% | 1,046 |
| Net operating income to assets | 1.3474% | 1,159 |
| Return on assets (ROA) | 1.3541% | 1,197 |
| Pretax return on assets | 1.4598% | 1,568 |
| Return on Equity (ROE) | 14.5893% | 888 |
| Retained earnings to average equity (ytd only) | -1.3316% | 6,054 |
| Net charge-offs to loans | -0.0131% | 6,444 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7774% | 6,161 |
| Assets per employee ($millions) | 3.2989% | 5,479 |
| Cash dividends to net income (ytd only)* | 109.1270% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 3,216 |
| Loan loss allowance to noncurrent loans | 27.5982% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 7.0514% | 753 |
| Noncurrent loans to loans | 6.3031% | 975 |
| Net loans and leases to total assets | 79.9741% | 512 |
| Net loans and leases to deposits | 90.9645% | 1,127 |
| Net loans and leases to core deposits | 93.7026% | 1,930 |
| Total domestic deposits to total assets | 87.9180% | 2,418 |
| Equity capital to assets | 9.2469% | 4,821 |
| Core capital (leverage) ratio | 9.2146% | 4,266 |
| Tier 1 risk-based capital ratio | 12.1138% | 5,591 |
| Total risk-based capital ratio | 13.3768% | 5,569 |
| Memoranda: | ||
| Average total assets | $223,324,500 | 2,846 |
| Average earning assets | $204,568,000 | 2,843 |
| Average equity | $20,727,500 | 3,024 |
| Average total loans | $183,777,500 | 2,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3007% | 465 |
| Cost of funding earning assets | 1.2713% | 4,076 |
| Net interest margin | 5.0294% | 403 |
| Noninterest income to average assets | 0.8360% | 2,116 |
| Noninterest expense to average assets | 3.3403% | 2,605 |
| Loan and lease loss provision to assets | 0.7012% | 2,337 |
| Net operating income to assets | 1.2977% | 1,182 |
| Return on assets (ROA) | 1.3032% | 1,224 |
| Pretax return on assets | 1.4011% | 1,664 |
| Return on Equity (ROE) | 14.6923% | 763 |
| Retained earnings to average equity (ytd only) | 11.5270% | 325 |
| Net charge-offs to loans | 0.4252% | 3,919 |
| Credit loss provision to net charge-offs | 198.3482% | 1,594 |
| Earnings coverage of net charge-offs (x) | 5.9301% | 2,493 |
| Efficiency ratio | 61.4393% | 5,820 |
| Assets per employee ($millions) | 3.2695% | 5,494 |
| Cash dividends to net income (ytd only)* | 21.5443% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 4,179 |
| Loan loss allowance to noncurrent loans | 30.8950% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 5.8986% | 1,018 |
| Noncurrent loans to loans | 4.7595% | 1,453 |
| Net loans and leases to total assets | 81.9781% | 450 |
| Net loans and leases to deposits | 93.7488% | 1,082 |
| Net loans and leases to core deposits | 97.4928% | 1,843 |
| Total domestic deposits to total assets | 87.4445% | 2,583 |
| Equity capital to assets | 9.3161% | 4,670 |
| Core capital (leverage) ratio | 9.1296% | 4,304 |
| Tier 1 risk-based capital ratio | 11.8506% | 5,615 |
| Total risk-based capital ratio | 13.1101% | 5,597 |
| Memoranda: | ||
| Average total assets | $222,613,600 | 2,834 |
| Average earning assets | $203,642,800 | 2,824 |
| Average equity | $19,745,000 | 3,180 |
| Average total loans | $185,074,400 | 2,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 504 |
| Cost of funding earning assets | 1.3255% | 4,071 |
| Net interest margin | 4.9797% | 460 |
| Noninterest income to average assets | 0.8316% | 2,074 |
| Noninterest expense to average assets | 3.2224% | 2,848 |
| Loan and lease loss provision to assets | 0.7035% | 2,176 |
| Net operating income to assets | 1.3531% | 1,214 |
| Return on assets (ROA) | 1.3603% | 1,273 |
| Pretax return on assets | 1.4663% | 1,701 |
| Return on Equity (ROE) | 15.5321% | 775 |
| Retained earnings to average equity (ytd only) | 11.2594% | 567 |
| Net charge-offs to loans | 0.2183% | 4,632 |
| Credit loss provision to net charge-offs | 387.7888% | 799 |
| Earnings coverage of net charge-offs (x) | 11.9175% | 1,742 |
| Efficiency ratio | 59.8465% | 5,977 |
| Assets per employee ($millions) | 3.3871% | 5,235 |
| Cash dividends to net income (ytd only)* | 27.5087% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,886 |
| Loan loss allowance to noncurrent loans | 31.5530% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.6565% | 1,081 |
| Noncurrent loans to loans | 4.8065% | 1,465 |
| Net loans and leases to total assets | 81.8585% | 512 |
| Net loans and leases to deposits | 92.6636% | 1,365 |
| Net loans and leases to core deposits | 95.1661% | 2,363 |
| Total domestic deposits to total assets | 88.3394% | 1,768 |
| Equity capital to assets | 9.1712% | 5,349 |
| Core capital (leverage) ratio | 8.6693% | 5,246 |
| Tier 1 risk-based capital ratio | 11.5653% | 5,866 |
| Total risk-based capital ratio | 12.8255% | 5,846 |
| Memoranda: | ||
| Average total assets | $222,686,000 | 2,875 |
| Average earning assets | $203,593,250 | 2,877 |
| Average equity | $19,503,250 | 3,252 |
| Average total loans | $185,098,750 | 2,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2657% | 548 |
| Cost of funding earning assets | 1.4124% | 3,797 |
| Net interest margin | 4.8533% | 597 |
| Noninterest income to average assets | 0.7932% | 2,155 |
| Noninterest expense to average assets | 3.2060% | 2,877 |
| Loan and lease loss provision to assets | 0.8094% | 1,785 |
| Net operating income to assets | 1.1356% | 1,736 |
| Return on assets (ROA) | 1.1466% | 1,769 |
| Pretax return on assets | 1.2239% | 2,339 |
| Return on Equity (ROE) | 13.3018% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.3018% | 350 |
| Net charge-offs to loans | 0.1385% | 4,838 |
| Credit loss provision to net charge-offs | 703.1250% | 534 |
| Earnings coverage of net charge-offs (x) | 17.5625% | 1,336 |
| Efficiency ratio | 61.3281% | 5,809 |
| Assets per employee ($millions) | 3.4171% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,166 |
| Loan loss allowance to noncurrent loans | 30.6047% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 5.6235% | 1,086 |
| Noncurrent loans to loans | 4.7456% | 1,492 |
| Net loans and leases to total assets | 80.5516% | 720 |
| Net loans and leases to deposits | 90.4052% | 1,790 |
| Net loans and leases to core deposits | 92.9907% | 2,848 |
| Total domestic deposits to total assets | 89.1006% | 1,378 |
| Equity capital to assets | 8.6936% | 5,893 |
| Core capital (leverage) ratio | 8.5893% | 5,254 |
| Tier 1 risk-based capital ratio | 11.0810% | 6,150 |
| Total risk-based capital ratio | 12.3344% | 6,137 |
| Memoranda: | ||
| Average total assets | $222,398,670 | 2,902 |
| Average earning assets | $203,201,670 | 2,897 |
| Average equity | $19,170,330 | 3,283 |
| Average total loans | $184,861,330 | 2,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 498 |
| Cost of funding earning assets | 1.5119% | 3,480 |
| Net interest margin | 4.8212% | 616 |
| Noninterest income to average assets | 0.7557% | 2,266 |
| Noninterest expense to average assets | 3.2876% | 2,567 |
| Loan and lease loss provision to assets | 0.8215% | 1,540 |
| Net operating income to assets | 0.9838% | 2,243 |
| Return on assets (ROA) | 1.0058% | 2,223 |
| Pretax return on assets | 1.0770% | 2,814 |
| Return on Equity (ROE) | 11.7212% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.7212% | 793 |
| Net charge-offs to loans | 0.0675% | 4,733 |
| Credit loss provision to net charge-offs | 1,451.6129% | 347 |
| Earnings coverage of net charge-offs (x) | 33.1290% | 811 |
| Efficiency ratio | 63.6846% | 5,552 |
| Assets per employee ($millions) | 3.3992% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 5,037 |
| Loan loss allowance to noncurrent loans | 40.5730% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 4.1317% | 1,657 |
| Noncurrent loans to loans | 3.1596% | 2,539 |
| Net loans and leases to total assets | 82.4251% | 541 |
| Net loans and leases to deposits | 92.9539% | 1,480 |
| Net loans and leases to core deposits | 102.1929% | 1,880 |
| Total domestic deposits to total assets | 88.6731% | 1,696 |
| Equity capital to assets | 8.6544% | 5,796 |
| Core capital (leverage) ratio | 8.5456% | 5,299 |
| Tier 1 risk-based capital ratio | 10.6971% | 6,442 |
| Total risk-based capital ratio | 11.9533% | 6,427 |
| Memoranda: | ||
| Average total assets | $219,123,500 | 3,001 |
| Average earning assets | $200,281,500 | 2,994 |
| Average equity | $18,803,500 | 3,347 |
| Average total loans | $183,722,000 | 2,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7168% | 448 |
| Cost of funding earning assets | 1.9782% | 3,067 |
| Net interest margin | 4.7386% | 783 |
| Noninterest income to average assets | 0.8446% | 2,204 |
| Noninterest expense to average assets | 3.3900% | 2,713 |
| Loan and lease loss provision to assets | 0.6935% | 3,052 |
| Net operating income to assets | 1.0445% | 1,691 |
| Return on assets (ROA) | 1.0428% | 1,738 |
| Pretax return on assets | 1.1105% | 2,213 |
| Return on Equity (ROE) | 12.8444% | 997 |
| Retained earnings to average equity (ytd only) | 10.6592% | 307 |
| Net charge-offs to loans | 0.4078% | 4,184 |
| Credit loss provision to net charge-offs | 205.3206% | 1,878 |
| Earnings coverage of net charge-offs (x) | 5.3465% | 2,626 |
| Efficiency ratio | 65.2448% | 5,547 |
| Assets per employee ($millions) | 3.2432% | 5,621 |
| Cash dividends to net income (ytd only)* | 17.0128% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 6,072 |
| Loan loss allowance to noncurrent loans | 52.5946% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 3.2214% | 2,130 |
| Noncurrent loans to loans | 2.0223% | 3,620 |
| Net loans and leases to total assets | 83.3030% | 510 |
| Net loans and leases to deposits | 94.4814% | 1,536 |
| Net loans and leases to core deposits | 117.2325% | 2,207 |
| Total domestic deposits to total assets | 88.1687% | 1,895 |
| Equity capital to assets | 8.5068% | 5,867 |
| Core capital (leverage) ratio | 8.2944% | 5,633 |
| Tier 1 risk-based capital ratio | 10.5826% | 6,310 |
| Total risk-based capital ratio | 11.7021% | 6,413 |
| Memoranda: | ||
| Average total assets | $217,021,000 | 2,982 |
| Average earning assets | $199,276,200 | 2,979 |
| Average equity | $17,618,600 | 3,564 |
| Average total loans | $179,760,000 | 2,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6689% | 539 |
| Cost of funding earning assets | 2.0448% | 3,144 |
| Net interest margin | 4.6241% | 949 |
| Noninterest income to average assets | 0.8801% | 2,058 |
| Noninterest expense to average assets | 3.3266% | 2,819 |
| Loan and lease loss provision to assets | 0.6023% | 2,984 |
| Net operating income to assets | 1.1337% | 1,624 |
| Return on assets (ROA) | 1.1314% | 1,708 |
| Pretax return on assets | 1.2027% | 2,255 |
| Return on Equity (ROE) | 14.1053% | 907 |
| Retained earnings to average equity (ytd only) | 11.1555% | 452 |
| Net charge-offs to loans | 0.4850% | 3,291 |
| Credit loss provision to net charge-offs | 150.5376% | 3,186 |
| Earnings coverage of net charge-offs (x) | 4.5177% | 3,112 |
| Efficiency ratio | 64.7953% | 5,590 |
| Assets per employee ($millions) | 3.3171% | 5,350 |
| Cash dividends to net income (ytd only)* | 20.9125% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 7,032 |
| Loan loss allowance to noncurrent loans | 46.5469% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 3.0284% | 2,289 |
| Noncurrent loans to loans | 1.7802% | 3,940 |
| Net loans and leases to total assets | 82.1644% | 782 |
| Net loans and leases to deposits | 92.9089% | 2,075 |
| Net loans and leases to core deposits | 117.0697% | 2,519 |
| Total domestic deposits to total assets | 88.4354% | 1,461 |
| Equity capital to assets | 8.3224% | 6,478 |
| Core capital (leverage) ratio | 8.0581% | 6,253 |
| Tier 1 risk-based capital ratio | 10.3758% | 6,596 |
| Total risk-based capital ratio | 11.2434% | 6,946 |
| Memoranda: | ||
| Average total assets | $216,952,250 | 3,001 |
| Average earning assets | $199,588,500 | 2,992 |
| Average equity | $17,402,000 | 3,629 |
| Average total loans | $178,960,000 | 2,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6991% | 538 |
| Cost of funding earning assets | 2.1036% | 3,245 |
| Net interest margin | 4.5955% | 962 |
| Noninterest income to average assets | 0.8618% | 2,142 |
| Noninterest expense to average assets | 3.3417% | 2,818 |
| Loan and lease loss provision to assets | 0.3375% | 3,917 |
| Net operating income to assets | 1.3213% | 1,185 |
| Return on assets (ROA) | 1.3213% | 1,254 |
| Pretax return on assets | 1.4184% | 1,672 |
| Return on Equity (ROE) | 16.6848% | 618 |
| Retained earnings to average equity (ytd only) | 12.1896% | 413 |
| Net charge-offs to loans | 0.0269% | 6,098 |
| Credit loss provision to net charge-offs | 1,520.8333% | 329 |
| Earnings coverage of net charge-offs (x) | 79.1250% | 483 |
| Efficiency ratio | 65.5541% | 5,622 |
| Assets per employee ($millions) | 3.0758% | 5,928 |
| Cash dividends to net income (ytd only)* | 26.9419% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 7,105 |
| Loan loss allowance to noncurrent loans | 21.6912% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 3.9813% | 1,496 |
| Noncurrent loans to loans | 3.7538% | 1,843 |
| Net loans and leases to total assets | 81.1324% | 1,112 |
| Net loans and leases to deposits | 91.0881% | 2,632 |
| Net loans and leases to core deposits | 116.0212% | 2,708 |
| Total domestic deposits to total assets | 89.0702% | 1,232 |
| Equity capital to assets | 7.9161% | 6,852 |
| Core capital (leverage) ratio | 7.9181% | 6,457 |
| Tier 1 risk-based capital ratio | 10.3008% | 6,594 |
| Total risk-based capital ratio | 11.1660% | 6,951 |
| Memoranda: | ||
| Average total assets | $216,294,000 | 3,027 |
| Average earning assets | $199,369,000 | 3,011 |
| Average equity | $17,129,330 | 3,684 |
| Average total loans | $178,152,330 | 2,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7468% | 536 |
| Cost of funding earning assets | 2.1805% | 3,262 |
| Net interest margin | 4.5663% | 1,002 |
| Noninterest income to average assets | 0.8254% | 2,198 |
| Noninterest expense to average assets | 3.1931% | 3,013 |
| Loan and lease loss provision to assets | 0.3182% | 3,426 |
| Net operating income to assets | 1.4300% | 1,079 |
| Return on assets (ROA) | 1.4300% | 1,162 |
| Pretax return on assets | 1.5161% | 1,624 |
| Return on Equity (ROE) | 18.0524% | 589 |
| Retained earnings to average equity (ytd only) | 18.0524% | 230 |
| Net charge-offs to loans | 0.1857% | 3,523 |
| Credit loss provision to net charge-offs | 207.3171% | 2,156 |
| Earnings coverage of net charge-offs (x) | 11.9512% | 1,833 |
| Efficiency ratio | 63.5145% | 5,778 |
| Assets per employee ($millions) | 2.9575% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 7,408 |
| Loan loss allowance to noncurrent loans | 24.8230% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 3.2988% | 1,662 |
| Noncurrent loans to loans | 2.8671% | 2,279 |
| Net loans and leases to total assets | 81.5482% | 1,092 |
| Net loans and leases to deposits | 91.3663% | 2,718 |
| Net loans and leases to core deposits | 114.2474% | 2,988 |
| Total domestic deposits to total assets | 89.2542% | 1,117 |
| Equity capital to assets | 8.0394% | 6,751 |
| Core capital (leverage) ratio | 7.9795% | 6,489 |
| Tier 1 risk-based capital ratio | 9.7853% | 7,158 |
| Total risk-based capital ratio | 10.4999% | 7,609 |
| Memoranda: | ||
| Average total assets | $213,711,500 | 3,070 |
| Average earning assets | $196,656,000 | 3,059 |
| Average equity | $16,928,500 | 3,744 |
| Average total loans | $176,653,500 | 2,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3520% | 541 |
| Cost of funding earning assets | 2.5730% | 3,831 |
| Net interest margin | 4.7790% | 810 |
| Noninterest income to average assets | 0.9338% | 1,839 |
| Noninterest expense to average assets | 3.5516% | 2,261 |
| Loan and lease loss provision to assets | 0.7889% | 1,888 |
| Net operating income to assets | 0.9749% | 2,667 |
| Return on assets (ROA) | 0.9749% | 2,546 |
| Pretax return on assets | 0.9749% | 3,472 |
| Return on Equity (ROE) | 11.7214% | 1,677 |
| Retained earnings to average equity (ytd only) | -3.8975% | 6,308 |
| Net charge-offs to loans | 1.1064% | 1,099 |
| Credit loss provision to net charge-offs | 87.5332% | 5,733 |
| Earnings coverage of net charge-offs (x) | 1.9570% | 5,085 |
| Efficiency ratio | 66.8166% | 4,938 |
| Assets per employee ($millions) | 2.8584% | 6,417 |
| Cash dividends to net income (ytd only)* | 133.2516% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 7,509 |
| Loan loss allowance to noncurrent loans | 50.5381% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9497% | 2,521 |
| Noncurrent loans to loans | 1.3200% | 3,873 |
| Net loans and leases to total assets | 82.6427% | 1,115 |
| Net loans and leases to deposits | 95.6181% | 2,504 |
| Net loans and leases to core deposits | 118.7294% | 2,812 |
| Total domestic deposits to total assets | 86.4300% | 2,204 |
| Equity capital to assets | 7.8005% | 7,094 |
| Core capital (leverage) ratio | 7.6595% | 6,986 |
| Tier 1 risk-based capital ratio | 9.3797% | 7,431 |
| Total risk-based capital ratio | 10.0463% | 7,970 |
| Memoranda: | ||
| Average total assets | $209,147,200 | 3,015 |
| Average earning assets | $191,757,400 | 3,013 |
| Average equity | $17,395,600 | 3,663 |
| Average total loans | $170,375,600 | 2,611 |