Home > State Bank > Performance and Condition Ratios
State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 2,107 |
| Cost of funding earning assets | 2.0121% | 903 |
| Net interest margin | 2.9688% | 3,360 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.4078% | 2,570 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7457% | 3,056 |
| Return on assets (ROA) | 0.7486% | 3,032 |
| Pretax return on assets | 0.8721% | 3,036 |
| Return on Equity (ROE) | 10.2900% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,843 |
| Net charge-offs to loans | 0.0172% | 2,025 |
| Credit loss provision to net charge-offs | 530.2083% | 641 |
| Earnings coverage of net charge-offs (x) | 76.4583% | 1,053 |
| Efficiency ratio | 72.0647% | 1,654 |
| Assets per employee ($millions) | 8.5167% | 1,177 |
| Cash dividends to net income (ytd only)* | 30.2531% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,025 |
| Loan loss allowance to noncurrent loans | 2,969.4352% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,386 |
| Noncurrent loans to loans | 0.0508% | 3,361 |
| Net loans and leases to total assets | 70.6400% | 1,740 |
| Net loans and leases to deposits | 83.3703% | 1,824 |
| Net loans and leases to core deposits | 96.3827% | 1,633 |
| Total domestic deposits to total assets | 84.7400% | 2,398 |
| Equity capital to assets | 7.3437% | 3,797 |
| Core capital (leverage) ratio | 8.7177% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7449% | 2,643 |
| Memoranda: | ||
| Average total assets | $786,391,000 | 1,198 |
| Average earning assets | $726,654,800 | 1,192 |
| Average equity | $57,235,000 | 1,439 |
| Average total loans | $557,692,400 | 1,139 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 2,120 |
| Cost of funding earning assets | 1.8910% | 873 |
| Net interest margin | 2.9811% | 3,374 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.4378% | 2,414 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6268% | 3,477 |
| Return on assets (ROA) | 0.6309% | 3,464 |
| Pretax return on assets | 0.7174% | 3,513 |
| Return on Equity (ROE) | 8.6900% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.5817% | 2,438 |
| Net charge-offs to loans | 0.0236% | 1,614 |
| Credit loss provision to net charge-offs | 349.4845% | 796 |
| Earnings coverage of net charge-offs (x) | 46.2887% | 1,355 |
| Efficiency ratio | 75.9726% | 1,170 |
| Assets per employee ($millions) | 8.2710% | 1,223 |
| Cash dividends to net income (ytd only)* | 24.2515% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,090 |
| Loan loss allowance to noncurrent loans | 4,925.8427% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,597 |
| Noncurrent loans to loans | 0.0306% | 3,550 |
| Net loans and leases to total assets | 71.4000% | 1,648 |
| Net loans and leases to deposits | 83.3949% | 1,791 |
| Net loans and leases to core deposits | 93.5067% | 1,704 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 6.9470% | 3,638 |
| Core capital (leverage) ratio | 8.7726% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6094% | 2,708 |
| Memoranda: | ||
| Average total assets | $776,458,000 | 1,206 |
| Average earning assets | $716,091,500 | 1,204 |
| Average equity | $56,376,750 | 1,442 |
| Average total loans | $548,978,250 | 1,150 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 2,136 |
| Cost of funding earning assets | 1.7239% | 856 |
| Net interest margin | 3.0139% | 3,395 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.4846% | 2,247 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5579% | 3,680 |
| Return on assets (ROA) | 0.5639% | 3,677 |
| Pretax return on assets | 0.6616% | 3,685 |
| Return on Equity (ROE) | 7.6500% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.5096% | 3,080 |
| Net charge-offs to loans | 0.0219% | 1,444 |
| Credit loss provision to net charge-offs | 320.3390% | 831 |
| Earnings coverage of net charge-offs (x) | 45.8136% | 1,331 |
| Efficiency ratio | 77.9203% | 1,006 |
| Assets per employee ($millions) | 8.1849% | 1,236 |
| Cash dividends to net income (ytd only)* | 41.0624% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,098 |
| Loan loss allowance to noncurrent loans | 3,170.3297% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 2,560 |
| Noncurrent loans to loans | 0.0482% | 3,370 |
| Net loans and leases to total assets | 70.2400% | 1,713 |
| Net loans and leases to deposits | 80.4396% | 1,939 |
| Net loans and leases to core deposits | 96.8153% | 1,421 |
| Total domestic deposits to total assets | 87.3300% | 1,822 |
| Equity capital to assets | 7.1009% | 3,740 |
| Core capital (leverage) ratio | 8.8500% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7530% | 2,695 |
| Memoranda: | ||
| Average total assets | $767,849,667 | 1,213 |
| Average earning assets | $707,249,000 | 1,217 |
| Average equity | $56,590,667 | 1,444 |
| Average total loans | $538,099,333 | 1,158 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,954 |
| Cost of funding earning assets | 1.5106% | 828 |
| Net interest margin | 3.1452% | 3,247 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5416% | 2,127 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6149% | 3,663 |
| Return on assets (ROA) | 0.6269% | 3,599 |
| Pretax return on assets | 0.7472% | 3,568 |
| Return on Equity (ROE) | 8.3500% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.3460% | 2,132 |
| Net charge-offs to loans | 0.0183% | 1,318 |
| Credit loss provision to net charge-offs | 250.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 60.1250% | 1,019 |
| Efficiency ratio | 76.8713% | 1,093 |
| Assets per employee ($millions) | 8.1273% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 970 |
| Loan loss allowance to noncurrent loans | 3,025.0883% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,558 |
| Noncurrent loans to loans | 0.0537% | 3,354 |
| Net loans and leases to total assets | 67.9000% | 1,845 |
| Net loans and leases to deposits | 75.9937% | 2,117 |
| Net loans and leases to core deposits | 92.2466% | 1,494 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 7.5691% | 3,524 |
| Core capital (leverage) ratio | 8.9489% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $754,808,500 | 1,250 |
| Average earning assets | $696,690,500 | 1,243 |
| Average equity | $56,698,000 | 1,458 |
| Average total loans | $523,975,500 | 1,187 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 1,804 |
| Cost of funding earning assets | 0.3444% | 2,524 |
| Net interest margin | 3.6229% | 1,582 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5354% | 2,009 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0483% | 2,380 |
| Return on assets (ROA) | 1.0483% | 2,326 |
| Pretax return on assets | 1.2790% | 2,164 |
| Return on Equity (ROE) | 13.1300% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.0103% | 1,147 |
| Net charge-offs to loans | 0.0045% | 2,277 |
| Credit loss provision to net charge-offs | 313.6364% | 894 |
| Earnings coverage of net charge-offs (x) | 417.7727% | 375 |
| Efficiency ratio | 66.3012% | 2,189 |
| Assets per employee ($millions) | 7.9325% | 1,357 |
| Cash dividends to net income (ytd only)* | 23.7395% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,454.4148% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,376 |
| Noncurrent loans to loans | 0.0935% | 3,094 |
| Net loans and leases to total assets | 68.8800% | 1,746 |
| Net loans and leases to deposits | 77.2304% | 2,015 |
| Net loans and leases to core deposits | 92.3762% | 1,367 |
| Total domestic deposits to total assets | 89.1800% | 1,674 |
| Equity capital to assets | 7.4527% | 3,406 |
| Core capital (leverage) ratio | 8.9767% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $713,229,600 | 1,294 |
| Average earning assets | $659,673,000 | 1,292 |
| Average equity | $56,961,200 | 1,462 |
| Average total loans | $485,165,000 | 1,203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 1,775 |
| Cost of funding earning assets | 0.2197% | 3,040 |
| Net interest margin | 3.5767% | 1,449 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.4627% | 2,119 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0214% | 2,402 |
| Return on assets (ROA) | 1.0214% | 2,378 |
| Pretax return on assets | 1.2410% | 2,229 |
| Return on Equity (ROE) | 12.5700% | 1,847 |
| Retained earnings to average equity (ytd only) | 10.5042% | 1,197 |
| Net charge-offs to loans | 0.0042% | 2,052 |
| Credit loss provision to net charge-offs | 453.3333% | 643 |
| Earnings coverage of net charge-offs (x) | 442.0667% | 352 |
| Efficiency ratio | 66.2630% | 2,244 |
| Assets per employee ($millions) | 7.5821% | 1,562 |
| Cash dividends to net income (ytd only)* | 16.4198% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,521 |
| Loan loss allowance to noncurrent loans | 943.8083% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 2,190 |
| Noncurrent loans to loans | 0.1511% | 2,855 |
| Net loans and leases to total assets | 68.7300% | 1,590 |
| Net loans and leases to deposits | 77.0549% | 1,792 |
| Net loans and leases to core deposits | 84.6151% | 1,612 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 7.5288% | 3,204 |
| Core capital (leverage) ratio | 9.1489% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $705,124,000 | 1,310 |
| Average earning assets | $652,909,250 | 1,309 |
| Average equity | $57,308,750 | 1,468 |
| Average total loans | $476,292,500 | 1,219 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 1,632 |
| Cost of funding earning assets | 0.1964% | 2,965 |
| Net interest margin | 3.4694% | 1,396 |
| Noninterest income to average assets | 0.3758% | 2,899 |
| Noninterest expense to average assets | 2.4219% | 2,163 |
| Loan and lease loss provision to assets | 0.0185% | 2,271 |
| Net operating income to assets | 0.9533% | 2,348 |
| Return on assets (ROA) | 0.9533% | 2,321 |
| Pretax return on assets | 1.1540% | 2,229 |
| Return on Equity (ROE) | 11.4446% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.4135% | 1,466 |
| Net charge-offs to loans | 0.0055% | 1,803 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 316.8462% | 385 |
| Efficiency ratio | 67.3794% | 2,323 |
| Assets per employee ($millions) | 7.8122% | 1,409 |
| Cash dividends to net income (ytd only)* | 26.4855% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,266 |
| Loan loss allowance to noncurrent loans | 893.6948% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,228 |
| Noncurrent loans to loans | 0.1739% | 2,821 |
| Net loans and leases to total assets | 63.1595% | 2,000 |
| Net loans and leases to deposits | 69.3966% | 2,268 |
| Net loans and leases to core deposits | 76.0753% | 2,008 |
| Total domestic deposits to total assets | 91.0124% | 1,239 |
| Equity capital to assets | 7.8008% | 3,265 |
| Core capital (leverage) ratio | 9.0607% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0522% | 2,478 |
| Memoranda: | ||
| Average total assets | $702,592,333 | 1,318 |
| Average earning assets | $651,811,000 | 1,323 |
| Average equity | $58,525,333 | 1,463 |
| Average total loans | $469,406,000 | 1,227 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6221% | 1,443 |
| Cost of funding earning assets | 0.1849% | 3,014 |
| Net interest margin | 3.4373% | 1,215 |
| Noninterest income to average assets | 0.1947% | 3,994 |
| Noninterest expense to average assets | 2.4340% | 2,061 |
| Loan and lease loss provision to assets | 0.0355% | 1,722 |
| Net operating income to assets | 0.7795% | 2,729 |
| Return on assets (ROA) | 0.7795% | 2,725 |
| Pretax return on assets | 0.9198% | 2,703 |
| Return on Equity (ROE) | 9.0643% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.0643% | 1,254 |
| Net charge-offs to loans | 0.0034% | 1,659 |
| Credit loss provision to net charge-offs | 1,550.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 247 |
| Efficiency ratio | 71.8148% | 2,001 |
| Assets per employee ($millions) | 7.7037% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,521 |
| Loan loss allowance to noncurrent loans | 877.8465% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,293 |
| Noncurrent loans to loans | 0.1721% | 2,955 |
| Net loans and leases to total assets | 67.4356% | 1,268 |
| Net loans and leases to deposits | 74.6524% | 1,547 |
| Net loans and leases to core deposits | 82.7820% | 1,310 |
| Total domestic deposits to total assets | 90.3328% | 1,368 |
| Equity capital to assets | 8.4778% | 3,179 |
| Core capital (leverage) ratio | 8.9068% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5414% | 2,762 |
| Memoranda: | ||
| Average total assets | $698,431,500 | 1,325 |
| Average earning assets | $649,118,000 | 1,327 |
| Average equity | $60,059,500 | 1,483 |
| Average total loans | $476,060,500 | 1,204 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 2,101 |
| Cost of funding earning assets | 0.2162% | 3,303 |
| Net interest margin | 3.4892% | 1,769 |
| Noninterest income to average assets | 0.6162% | 2,092 |
| Noninterest expense to average assets | 2.4971% | 2,190 |
| Loan and lease loss provision to assets | 0.1325% | 922 |
| Net operating income to assets | 1.0159% | 2,610 |
| Return on assets (ROA) | 1.0159% | 2,688 |
| Pretax return on assets | 1.2241% | 2,589 |
| Return on Equity (ROE) | 10.7446% | 2,257 |
| Retained earnings to average equity (ytd only) | 8.0329% | 1,527 |
| Net charge-offs to loans | 0.1148% | 781 |
| Credit loss provision to net charge-offs | 167.3870% | 1,421 |
| Earnings coverage of net charge-offs (x) | 17.1532% | 1,952 |
| Efficiency ratio | 64.7972% | 2,433 |
| Assets per employee ($millions) | 7.7308% | 1,478 |
| Cash dividends to net income (ytd only)* | 25.2371% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 1,706 |
| Loan loss allowance to noncurrent loans | 1,976.1236% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,946 |
| Noncurrent loans to loans | 0.0738% | 3,563 |
| Net loans and leases to total assets | 66.8746% | 1,389 |
| Net loans and leases to deposits | 75.9610% | 1,575 |
| Net loans and leases to core deposits | 85.8294% | 1,216 |
| Total domestic deposits to total assets | 88.0381% | 2,024 |
| Equity capital to assets | 8.7163% | 3,872 |
| Core capital (leverage) ratio | 9.0523% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2062% | 2,838 |
| Memoranda: | ||
| Average total assets | $643,582,600 | 1,373 |
| Average earning assets | $597,149,800 | 1,382 |
| Average equity | $60,849,400 | 1,499 |
| Average total loans | $443,190,000 | 1,277 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 2,135 |
| Cost of funding earning assets | 0.2296% | 3,331 |
| Net interest margin | 3.5238% | 1,799 |
| Noninterest income to average assets | 0.5957% | 2,230 |
| Noninterest expense to average assets | 2.5001% | 2,120 |
| Loan and lease loss provision to assets | 0.1192% | 993 |
| Net operating income to assets | 1.0349% | 2,791 |
| Return on assets (ROA) | 1.0349% | 2,852 |
| Pretax return on assets | 1.2423% | 2,794 |
| Return on Equity (ROE) | 10.7081% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.8918% | 1,736 |
| Net charge-offs to loans | -0.0098% | 3,667 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7438% | 2,282 |
| Assets per employee ($millions) | 6.9872% | 1,879 |
| Cash dividends to net income (ytd only)* | 16.9613% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,331 |
| Loan loss allowance to noncurrent loans | 457.2505% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 2,542 |
| Noncurrent loans to loans | 0.3508% | 2,523 |
| Net loans and leases to total assets | 69.5173% | 1,126 |
| Net loans and leases to deposits | 77.9949% | 1,484 |
| Net loans and leases to core deposits | 84.0760% | 1,422 |
| Total domestic deposits to total assets | 89.1305% | 1,210 |
| Equity capital to assets | 9.5860% | 3,302 |
| Core capital (leverage) ratio | 9.5985% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7988% | 2,774 |
| Memoranda: | ||
| Average total assets | $626,669,750 | 1,418 |
| Average earning assets | $580,797,500 | 1,429 |
| Average equity | $60,563,500 | 1,527 |
| Average total loans | $433,320,000 | 1,322 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 2,404 |
| Cost of funding earning assets | 0.2458% | 3,315 |
| Net interest margin | 3.4302% | 2,064 |
| Noninterest income to average assets | 0.6004% | 2,215 |
| Noninterest expense to average assets | 2.4749% | 2,223 |
| Loan and lease loss provision to assets | 0.0589% | 1,854 |
| Net operating income to assets | 1.0401% | 2,757 |
| Return on assets (ROA) | 1.0401% | 2,833 |
| Pretax return on assets | 1.2477% | 2,775 |
| Return on Equity (ROE) | 10.7323% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.9919% | 2,074 |
| Net charge-offs to loans | -0.0155% | 3,874 |
| Credit loss provision to net charge-offs | -554.5455% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4465% | 2,234 |
| Assets per employee ($millions) | 7.0825% | 1,740 |
| Cash dividends to net income (ytd only)* | 25.5339% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,312 |
| Loan loss allowance to noncurrent loans | 501.6703% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,829 |
| Noncurrent loans to loans | 0.3159% | 2,788 |
| Net loans and leases to total assets | 68.8209% | 1,352 |
| Net loans and leases to deposits | 77.2137% | 1,708 |
| Net loans and leases to core deposits | 79.8361% | 1,899 |
| Total domestic deposits to total assets | 89.1304% | 1,214 |
| Equity capital to assets | 9.6441% | 3,206 |
| Core capital (leverage) ratio | 9.3626% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1797% | 2,653 |
| Memoranda: | ||
| Average total assets | $621,284,333 | 1,420 |
| Average earning assets | $576,173,333 | 1,429 |
| Average equity | $60,211,000 | 1,522 |
| Average total loans | $426,373,667 | 1,337 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 2,682 |
| Cost of funding earning assets | 0.2661% | 3,315 |
| Net interest margin | 3.3216% | 2,326 |
| Noninterest income to average assets | 0.6081% | 2,171 |
| Noninterest expense to average assets | 2.4672% | 2,274 |
| Loan and lease loss provision to assets | 0.0593% | 1,938 |
| Net operating income to assets | 0.9782% | 2,876 |
| Return on assets (ROA) | 0.9782% | 2,972 |
| Pretax return on assets | 1.1646% | 2,938 |
| Return on Equity (ROE) | 10.0693% | 2,671 |
| Retained earnings to average equity (ytd only) | 10.0693% | 1,633 |
| Net charge-offs to loans | -0.0123% | 3,761 |
| Credit loss provision to net charge-offs | -707.6923% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8414% | 2,105 |
| Assets per employee ($millions) | 7.2564% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,295 |
| Loan loss allowance to noncurrent loans | 460.5014% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,975 |
| Noncurrent loans to loans | 0.3478% | 2,846 |
| Net loans and leases to total assets | 66.1518% | 1,783 |
| Net loans and leases to deposits | 75.3040% | 1,982 |
| Net loans and leases to core deposits | 78.1700% | 2,167 |
| Total domestic deposits to total assets | 87.8463% | 1,917 |
| Equity capital to assets | 9.3810% | 3,302 |
| Core capital (leverage) ratio | 9.2379% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7906% | 2,377 |
| Memoranda: | ||
| Average total assets | $620,294,500 | 1,410 |
| Average earning assets | $575,740,000 | 1,419 |
| Average equity | $60,262,500 | 1,515 |
| Average total loans | $421,638,500 | 1,356 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 2,559 |
| Cost of funding earning assets | 0.5164% | 2,838 |
| Net interest margin | 3.5402% | 2,337 |
| Noninterest income to average assets | 0.7293% | 1,744 |
| Noninterest expense to average assets | 2.5909% | 2,585 |
| Loan and lease loss provision to assets | 0.1541% | 2,445 |
| Net operating income to assets | 1.0609% | 2,064 |
| Return on assets (ROA) | 1.0609% | 2,203 |
| Pretax return on assets | 1.2674% | 2,095 |
| Return on Equity (ROE) | 10.2573% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.6705% | 1,153 |
| Net charge-offs to loans | 0.0100% | 2,959 |
| Credit loss provision to net charge-offs | 2,090.4762% | 426 |
| Earnings coverage of net charge-offs (x) | 192.7857% | 481 |
| Efficiency ratio | 64.5723% | 2,732 |
| Assets per employee ($millions) | 6.9237% | 1,628 |
| Cash dividends to net income (ytd only)* | 25.2193% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,304 |
| Loan loss allowance to noncurrent loans | 277.9070% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 2,402 |
| Noncurrent loans to loans | 0.5749% | 2,259 |
| Net loans and leases to total assets | 67.6480% | 1,863 |
| Net loans and leases to deposits | 78.5394% | 2,020 |
| Net loans and leases to core deposits | 82.0027% | 2,191 |
| Total domestic deposits to total assets | 86.1325% | 2,313 |
| Equity capital to assets | 10.0614% | 3,075 |
| Core capital (leverage) ratio | 9.7264% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1475% | 2,186 |
| Memoranda: | ||
| Average total assets | $569,608,000 | 1,400 |
| Average earning assets | $528,249,600 | 1,397 |
| Average equity | $58,914,000 | 1,472 |
| Average total loans | $419,351,400 | 1,299 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,705 |
| Cost of funding earning assets | 0.5724% | 2,786 |
| Net interest margin | 3.5167% | 2,537 |
| Noninterest income to average assets | 0.7361% | 1,681 |
| Noninterest expense to average assets | 2.5413% | 2,718 |
| Loan and lease loss provision to assets | 0.1610% | 2,388 |
| Net operating income to assets | 1.0839% | 2,040 |
| Return on assets (ROA) | 1.0839% | 2,166 |
| Pretax return on assets | 1.2959% | 2,065 |
| Return on Equity (ROE) | 10.4027% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.6605% | 1,089 |
| Net charge-offs to loans | 0.0079% | 2,831 |
| Credit loss provision to net charge-offs | 2,704.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 244.6400% | 418 |
| Efficiency ratio | 63.5605% | 2,810 |
| Assets per employee ($millions) | 6.3663% | 1,939 |
| Cash dividends to net income (ytd only)* | 16.7473% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,613 |
| Loan loss allowance to noncurrent loans | 99.3283% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 980 |
| Noncurrent loans to loans | 1.4382% | 1,001 |
| Net loans and leases to total assets | 74.2405% | 1,346 |
| Net loans and leases to deposits | 86.9688% | 1,592 |
| Net loans and leases to core deposits | 94.3310% | 1,608 |
| Total domestic deposits to total assets | 85.3645% | 2,292 |
| Equity capital to assets | 10.0207% | 3,210 |
| Core capital (leverage) ratio | 9.5902% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6106% | 2,758 |
| Memoranda: | ||
| Average total assets | $559,689,500 | 1,398 |
| Average earning assets | $519,191,000 | 1,398 |
| Average equity | $58,317,000 | 1,472 |
| Average total loans | $419,474,500 | 1,296 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,978 |
| Cost of funding earning assets | 0.6348% | 2,785 |
| Net interest margin | 3.4918% | 2,815 |
| Noninterest income to average assets | 0.5813% | 2,205 |
| Noninterest expense to average assets | 2.5785% | 2,741 |
| Loan and lease loss provision to assets | 0.0753% | 3,352 |
| Net operating income to assets | 0.9870% | 2,373 |
| Return on assets (ROA) | 0.9870% | 2,506 |
| Pretax return on assets | 1.1615% | 2,492 |
| Return on Equity (ROE) | 9.3407% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.6928% | 1,780 |
| Net charge-offs to loans | -0.0049% | 4,010 |
| Credit loss provision to net charge-offs | -2,050.0000% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5842% | 2,295 |
| Assets per employee ($millions) | 6.2933% | 1,954 |
| Cash dividends to net income (ytd only)* | 28.3482% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 1,702 |
| Loan loss allowance to noncurrent loans | 363.0981% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 2,814 |
| Noncurrent loans to loans | 0.3767% | 3,064 |
| Net loans and leases to total assets | 73.2225% | 1,524 |
| Net loans and leases to deposits | 87.2779% | 1,631 |
| Net loans and leases to core deposits | 95.6101% | 1,603 |
| Total domestic deposits to total assets | 83.8957% | 2,782 |
| Equity capital to assets | 9.8340% | 3,339 |
| Core capital (leverage) ratio | 9.6654% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6816% | 2,323 |
| Memoranda: | ||
| Average total assets | $544,653,333 | 1,407 |
| Average earning assets | $504,441,000 | 1,408 |
| Average equity | $57,554,333 | 1,475 |
| Average total loans | $407,462,000 | 1,304 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,757 |
| Cost of funding earning assets | 0.7074% | 2,904 |
| Net interest margin | 3.6500% | 2,512 |
| Noninterest income to average assets | 0.6594% | 1,805 |
| Noninterest expense to average assets | 2.6917% | 2,728 |
| Loan and lease loss provision to assets | 0.0795% | 2,720 |
| Net operating income to assets | 1.0594% | 1,973 |
| Return on assets (ROA) | 1.0594% | 2,075 |
| Pretax return on assets | 1.2547% | 2,020 |
| Return on Equity (ROE) | 9.6391% | 1,863 |
| Retained earnings to average equity (ytd only) | 9.6391% | 817 |
| Net charge-offs to loans | 0.0031% | 2,484 |
| Credit loss provision to net charge-offs | 3,433.3333% | 230 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 101 |
| Efficiency ratio | 66.8585% | 2,841 |
| Assets per employee ($millions) | 5.4848% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,317 |
| Loan loss allowance to noncurrent loans | 332.7374% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 2,709 |
| Noncurrent loans to loans | 0.4530% | 2,892 |
| Net loans and leases to total assets | 73.1604% | 1,754 |
| Net loans and leases to deposits | 89.1019% | 1,625 |
| Net loans and leases to core deposits | 102.7233% | 1,263 |
| Total domestic deposits to total assets | 82.1087% | 3,386 |
| Equity capital to assets | 10.8443% | 2,994 |
| Core capital (leverage) ratio | 10.8481% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0037% | 2,283 |
| Memoranda: | ||
| Average total assets | $518,046,500 | 1,425 |
| Average earning assets | $477,808,500 | 1,429 |
| Average equity | $56,934,500 | 1,472 |
| Average total loans | $389,271,000 | 1,325 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 2,356 |
| Cost of funding earning assets | 0.7381% | 2,981 |
| Net interest margin | 3.9516% | 1,991 |
| Noninterest income to average assets | 0.9116% | 1,156 |
| Noninterest expense to average assets | 2.8859% | 2,335 |
| Loan and lease loss provision to assets | 0.1609% | 1,300 |
| Net operating income to assets | 1.2908% | 1,728 |
| Return on assets (ROA) | 1.2908% | 1,804 |
| Pretax return on assets | 1.5103% | 1,776 |
| Return on Equity (ROE) | 12.1056% | 1,470 |
| Retained earnings to average equity (ytd only) | 8.9700% | 718 |
| Net charge-offs to loans | 0.0640% | 2,183 |
| Credit loss provision to net charge-offs | 331.4286% | 841 |
| Earnings coverage of net charge-offs (x) | 34.4204% | 1,447 |
| Efficiency ratio | 63.3268% | 3,168 |
| Assets per employee ($millions) | 5.2507% | 2,284 |
| Cash dividends to net income (ytd only)* | 25.9020% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,150 |
| Loan loss allowance to noncurrent loans | 320.3501% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,464 |
| Noncurrent loans to loans | 0.4768% | 2,762 |
| Net loans and leases to total assets | 74.8904% | 1,605 |
| Net loans and leases to deposits | 90.8736% | 1,494 |
| Net loans and leases to core deposits | 102.7776% | 1,335 |
| Total domestic deposits to total assets | 82.4116% | 3,395 |
| Equity capital to assets | 11.1443% | 2,867 |
| Core capital (leverage) ratio | 10.7234% | 2,741 |
| Tier 1 risk-based capital ratio | 12.8576% | 3,869 |
| Total risk-based capital ratio | 14.1093% | 3,749 |
| Memoranda: | ||
| Average total assets | $504,588,800 | 1,414 |
| Average earning assets | $465,505,800 | 1,424 |
| Average equity | $53,801,600 | 1,501 |
| Average total loans | $382,886,400 | 1,314 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,354 |
| Cost of funding earning assets | 0.7377% | 3,027 |
| Net interest margin | 3.9845% | 1,999 |
| Noninterest income to average assets | 0.9999% | 936 |
| Noninterest expense to average assets | 2.9098% | 2,228 |
| Loan and lease loss provision to assets | 0.1741% | 1,059 |
| Net operating income to assets | 1.3634% | 1,602 |
| Return on assets (ROA) | 1.3634% | 1,670 |
| Pretax return on assets | 1.5903% | 1,671 |
| Return on Equity (ROE) | 12.9325% | 1,303 |
| Retained earnings to average equity (ytd only) | 10.4568% | 637 |
| Net charge-offs to loans | -0.0042% | 4,160 |
| Credit loss provision to net charge-offs | -5,491.6667% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2527% | 3,285 |
| Assets per employee ($millions) | 4.9841% | 2,577 |
| Cash dividends to net income (ytd only)* | 19.1436% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,021 |
| Loan loss allowance to noncurrent loans | 302.8455% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 2,113 |
| Noncurrent loans to loans | 0.5235% | 2,723 |
| Net loans and leases to total assets | 73.4934% | 1,919 |
| Net loans and leases to deposits | 87.0987% | 2,047 |
| Net loans and leases to core deposits | 100.0649% | 1,648 |
| Total domestic deposits to total assets | 84.3794% | 2,684 |
| Equity capital to assets | 11.0497% | 3,061 |
| Core capital (leverage) ratio | 10.3988% | 3,205 |
| Tier 1 risk-based capital ratio | 12.9091% | 3,901 |
| Total risk-based capital ratio | 14.1613% | 3,793 |
| Memoranda: | ||
| Average total assets | $504,718,500 | 1,421 |
| Average earning assets | $465,424,000 | 1,435 |
| Average equity | $53,208,250 | 1,514 |
| Average total loans | $382,769,000 | 1,322 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 2,404 |
| Cost of funding earning assets | 0.7075% | 3,128 |
| Net interest margin | 3.9792% | 1,988 |
| Noninterest income to average assets | 0.8401% | 1,225 |
| Noninterest expense to average assets | 2.7896% | 2,630 |
| Loan and lease loss provision to assets | 0.1212% | 1,549 |
| Net operating income to assets | 1.3105% | 1,731 |
| Return on assets (ROA) | 1.3105% | 1,798 |
| Pretax return on assets | 1.6015% | 1,546 |
| Return on Equity (ROE) | 12.6329% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.9689% | 767 |
| Net charge-offs to loans | -0.0052% | 4,131 |
| Credit loss provision to net charge-offs | -3,060.0000% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8233% | 3,463 |
| Assets per employee ($millions) | 5.1079% | 2,352 |
| Cash dividends to net income (ytd only)* | 21.0876% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,481 |
| Loan loss allowance to noncurrent loans | 326.2515% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 2,218 |
| Noncurrent loans to loans | 0.4391% | 2,954 |
| Net loans and leases to total assets | 74.7459% | 1,760 |
| Net loans and leases to deposits | 88.6939% | 1,910 |
| Net loans and leases to core deposits | 102.6208% | 1,508 |
| Total domestic deposits to total assets | 84.2741% | 2,764 |
| Equity capital to assets | 10.4700% | 3,540 |
| Core capital (leverage) ratio | 10.2109% | 3,375 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,305 |
| Total risk-based capital ratio | 13.4399% | 4,183 |
| Memoranda: | ||
| Average total assets | $505,158,330 | 1,418 |
| Average earning assets | $466,175,000 | 1,428 |
| Average equity | $52,403,000 | 1,527 |
| Average total loans | $385,050,330 | 1,320 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 2,374 |
| Cost of funding earning assets | 0.6787% | 3,158 |
| Net interest margin | 3.9725% | 1,937 |
| Noninterest income to average assets | 0.5250% | 2,409 |
| Noninterest expense to average assets | 2.7491% | 2,745 |
| Loan and lease loss provision to assets | 0.1225% | 1,431 |
| Net operating income to assets | 1.1005% | 2,462 |
| Return on assets (ROA) | 1.1005% | 2,510 |
| Pretax return on assets | 1.3166% | 2,387 |
| Return on Equity (ROE) | 10.6594% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.6594% | 888 |
| Net charge-offs to loans | -0.0073% | 4,120 |
| Credit loss provision to net charge-offs | -2,185.7143% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6411% | 2,990 |
| Assets per employee ($millions) | 4.7873% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,611 |
| Loan loss allowance to noncurrent loans | 260.8425% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 1,728 |
| Noncurrent loans to loans | 0.5430% | 2,688 |
| Net loans and leases to total assets | 75.4566% | 1,575 |
| Net loans and leases to deposits | 86.5576% | 2,062 |
| Net loans and leases to core deposits | 100.3923% | 1,586 |
| Total domestic deposits to total assets | 87.1749% | 1,729 |
| Equity capital to assets | 10.4356% | 3,391 |
| Core capital (leverage) ratio | 9.9928% | 3,612 |
| Tier 1 risk-based capital ratio | 12.0423% | 4,434 |
| Total risk-based capital ratio | 13.2930% | 4,328 |
| Memoranda: | ||
| Average total assets | $499,791,000 | 1,438 |
| Average earning assets | $460,872,000 | 1,448 |
| Average equity | $51,597,500 | 1,535 |
| Average total loans | $381,968,500 | 1,337 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 2,248 |
| Cost of funding earning assets | 0.5739% | 2,893 |
| Net interest margin | 3.9906% | 2,012 |
| Noninterest income to average assets | 0.4713% | 2,990 |
| Noninterest expense to average assets | 2.8451% | 2,534 |
| Loan and lease loss provision to assets | 0.1356% | 1,592 |
| Net operating income to assets | 0.9672% | 3,149 |
| Return on assets (ROA) | 0.9672% | 3,148 |
| Pretax return on assets | 1.1511% | 3,094 |
| Return on Equity (ROE) | 9.8731% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.2733% | 1,550 |
| Net charge-offs to loans | -0.0066% | 4,403 |
| Credit loss provision to net charge-offs | -2,816.6667% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8604% | 2,411 |
| Assets per employee ($millions) | 4.9200% | 2,592 |
| Cash dividends to net income (ytd only)* | 26.3322% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,661 |
| Loan loss allowance to noncurrent loans | 361.5174% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 1,961 |
| Noncurrent loans to loans | 0.3858% | 3,155 |
| Net loans and leases to total assets | 75.2450% | 1,733 |
| Net loans and leases to deposits | 86.1417% | 2,250 |
| Net loans and leases to core deposits | 97.9781% | 1,864 |
| Total domestic deposits to total assets | 87.3502% | 1,614 |
| Equity capital to assets | 10.2107% | 3,457 |
| Core capital (leverage) ratio | 9.6732% | 3,929 |
| Tier 1 risk-based capital ratio | 11.9274% | 4,476 |
| Total risk-based capital ratio | 13.1781% | 4,363 |
| Memoranda: | ||
| Average total assets | $498,673,200 | 1,410 |
| Average earning assets | $457,429,200 | 1,426 |
| Average equity | $48,849,800 | 1,542 |
| Average total loans | $364,977,600 | 1,346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 2,662 |
| Cost of funding earning assets | 0.5425% | 2,915 |
| Net interest margin | 3.8479% | 2,476 |
| Noninterest income to average assets | 0.5770% | 2,435 |
| Noninterest expense to average assets | 2.8461% | 2,472 |
| Loan and lease loss provision to assets | 0.1354% | 1,479 |
| Net operating income to assets | 0.9424% | 3,340 |
| Return on assets (ROA) | 0.9424% | 3,343 |
| Pretax return on assets | 1.1217% | 3,311 |
| Return on Equity (ROE) | 9.7233% | 2,742 |
| Retained earnings to average equity (ytd only) | 7.9732% | 1,670 |
| Net charge-offs to loans | -0.0151% | 4,524 |
| Credit loss provision to net charge-offs | -1,236.5854% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3620% | 2,294 |
| Assets per employee ($millions) | 4.8656% | 2,642 |
| Cash dividends to net income (ytd only)* | 17.9990% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 1,804 |
| Loan loss allowance to noncurrent loans | 570.1443% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 2,469 |
| Noncurrent loans to loans | 0.2408% | 3,836 |
| Net loans and leases to total assets | 74.3681% | 1,923 |
| Net loans and leases to deposits | 85.9636% | 2,373 |
| Net loans and leases to core deposits | 100.4441% | 1,746 |
| Total domestic deposits to total assets | 86.5112% | 1,967 |
| Equity capital to assets | 9.9697% | 3,680 |
| Core capital (leverage) ratio | 9.7278% | 3,921 |
| Tier 1 risk-based capital ratio | 11.8130% | 4,596 |
| Total risk-based capital ratio | 13.0630% | 4,489 |
| Memoranda: | ||
| Average total assets | $499,112,000 | 1,417 |
| Average earning assets | $457,376,500 | 1,422 |
| Average equity | $48,377,500 | 1,557 |
| Average total loans | $361,423,250 | 1,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,724 |
| Cost of funding earning assets | 0.5145% | 2,900 |
| Net interest margin | 3.7960% | 2,578 |
| Noninterest income to average assets | 0.5923% | 2,365 |
| Noninterest expense to average assets | 2.8449% | 2,517 |
| Loan and lease loss provision to assets | 0.1352% | 1,456 |
| Net operating income to assets | 0.9155% | 3,391 |
| Return on assets (ROA) | 0.9155% | 3,394 |
| Pretax return on assets | 1.0855% | 3,367 |
| Return on Equity (ROE) | 9.5354% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.8902% | 2,116 |
| Net charge-offs to loans | 0.0358% | 2,133 |
| Credit loss provision to net charge-offs | 528.1250% | 679 |
| Earnings coverage of net charge-offs (x) | 47.6875% | 1,158 |
| Efficiency ratio | 69.9754% | 2,316 |
| Assets per employee ($millions) | 4.8843% | 2,584 |
| Cash dividends to net income (ytd only)* | 27.7414% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,957 |
| Loan loss allowance to noncurrent loans | 449.9537% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,389 |
| Noncurrent loans to loans | 0.2997% | 3,628 |
| Net loans and leases to total assets | 70.0604% | 2,571 |
| Net loans and leases to deposits | 80.5945% | 2,889 |
| Net loans and leases to core deposits | 93.5796% | 2,256 |
| Total domestic deposits to total assets | 86.9295% | 1,868 |
| Equity capital to assets | 9.5260% | 4,072 |
| Core capital (leverage) ratio | 9.3406% | 4,313 |
| Tier 1 risk-based capital ratio | 11.8461% | 4,591 |
| Total risk-based capital ratio | 13.0646% | 4,497 |
| Memoranda: | ||
| Average total assets | $500,052,000 | 1,416 |
| Average earning assets | $457,531,670 | 1,429 |
| Average equity | $48,010,330 | 1,567 |
| Average total loans | $357,157,670 | 1,370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 2,782 |
| Cost of funding earning assets | 0.4602% | 3,127 |
| Net interest margin | 3.7704% | 2,541 |
| Noninterest income to average assets | 0.6104% | 2,211 |
| Noninterest expense to average assets | 2.8390% | 2,572 |
| Loan and lease loss provision to assets | 0.1363% | 1,384 |
| Net operating income to assets | 0.9281% | 3,166 |
| Return on assets (ROA) | 0.9281% | 3,187 |
| Pretax return on assets | 1.0966% | 3,186 |
| Return on Equity (ROE) | 9.6276% | 2,617 |
| Retained earnings to average equity (ytd only) | 9.6276% | 1,278 |
| Net charge-offs to loans | -0.0349% | 4,810 |
| Credit loss provision to net charge-offs | -545.1613% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7228% | 2,526 |
| Assets per employee ($millions) | 5.0767% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,016 |
| Loan loss allowance to noncurrent loans | 563.4118% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 2,667 |
| Noncurrent loans to loans | 0.2398% | 3,910 |
| Net loans and leases to total assets | 67.5413% | 2,818 |
| Net loans and leases to deposits | 77.9493% | 3,019 |
| Net loans and leases to core deposits | 89.6591% | 2,476 |
| Total domestic deposits to total assets | 86.6477% | 2,256 |
| Equity capital to assets | 9.2876% | 4,276 |
| Core capital (leverage) ratio | 9.8009% | 3,757 |
| Tier 1 risk-based capital ratio | 12.4715% | 4,261 |
| Total risk-based capital ratio | 13.7218% | 4,162 |
| Memoranda: | ||
| Average total assets | $496,093,500 | 1,433 |
| Average earning assets | $455,438,000 | 1,445 |
| Average equity | $47,821,000 | 1,586 |
| Average total loans | $355,362,000 | 1,379 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,389 |
| Cost of funding earning assets | 0.3884% | 3,348 |
| Net interest margin | 3.8941% | 2,106 |
| Noninterest income to average assets | 0.7023% | 1,954 |
| Noninterest expense to average assets | 2.9669% | 2,259 |
| Loan and lease loss provision to assets | 0.1182% | 1,929 |
| Net operating income to assets | 0.6981% | 3,612 |
| Return on assets (ROA) | 0.6981% | 3,662 |
| Pretax return on assets | 1.1972% | 2,782 |
| Return on Equity (ROE) | 7.0712% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.0930% | 2,714 |
| Net charge-offs to loans | 0.0182% | 3,494 |
| Credit loss provision to net charge-offs | 879.6875% | 401 |
| Earnings coverage of net charge-offs (x) | 97.8594% | 658 |
| Efficiency ratio | 69.2825% | 2,655 |
| Assets per employee ($millions) | 4.6967% | 2,871 |
| Cash dividends to net income (ytd only)* | 42.1179% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,277 |
| Loan loss allowance to noncurrent loans | 429.2797% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,366 |
| Noncurrent loans to loans | 0.3001% | 3,703 |
| Net loans and leases to total assets | 74.1206% | 1,899 |
| Net loans and leases to deposits | 84.8670% | 2,391 |
| Net loans and leases to core deposits | 101.8850% | 1,562 |
| Total domestic deposits to total assets | 87.3374% | 1,844 |
| Equity capital to assets | 10.0237% | 3,679 |
| Core capital (leverage) ratio | 9.5110% | 4,038 |
| Tier 1 risk-based capital ratio | 12.2805% | 4,348 |
| Total risk-based capital ratio | 13.5144% | 4,260 |
| Memoranda: | ||
| Average total assets | $476,127,000 | 1,458 |
| Average earning assets | $437,717,200 | 1,482 |
| Average equity | $47,007,400 | 1,602 |
| Average total loans | $350,988,200 | 1,374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,459 |
| Cost of funding earning assets | 0.3767% | 3,408 |
| Net interest margin | 3.8665% | 2,160 |
| Noninterest income to average assets | 0.7047% | 1,978 |
| Noninterest expense to average assets | 2.9751% | 2,181 |
| Loan and lease loss provision to assets | 0.1100% | 1,939 |
| Net operating income to assets | 0.8404% | 3,323 |
| Return on assets (ROA) | 0.8404% | 3,370 |
| Pretax return on assets | 1.1778% | 2,994 |
| Return on Equity (ROE) | 8.5450% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.4116% | 2,004 |
| Net charge-offs to loans | 0.0092% | 3,400 |
| Credit loss provision to net charge-offs | 1,637.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 191.7869% | 453 |
| Efficiency ratio | 69.7906% | 2,569 |
| Assets per employee ($millions) | 4.6975% | 2,838 |
| Cash dividends to net income (ytd only)* | 24.9669% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,551 |
| Loan loss allowance to noncurrent loans | 294.1293% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 2,392 |
| Noncurrent loans to loans | 0.4302% | 3,415 |
| Net loans and leases to total assets | 72.6176% | 2,159 |
| Net loans and leases to deposits | 82.6187% | 2,707 |
| Net loans and leases to core deposits | 94.7263% | 2,203 |
| Total domestic deposits to total assets | 87.8948% | 1,422 |
| Equity capital to assets | 10.0440% | 3,861 |
| Core capital (leverage) ratio | 9.3058% | 4,403 |
| Tier 1 risk-based capital ratio | 11.7108% | 4,824 |
| Total risk-based capital ratio | 12.8867% | 4,748 |
| Memoranda: | ||
| Average total assets | $476,567,250 | 1,474 |
| Average earning assets | $438,559,250 | 1,485 |
| Average equity | $46,872,000 | 1,616 |
| Average total loans | $349,687,250 | 1,390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,444 |
| Cost of funding earning assets | 0.3536% | 3,546 |
| Net interest margin | 3.8541% | 2,084 |
| Noninterest income to average assets | 0.7172% | 1,916 |
| Noninterest expense to average assets | 2.9892% | 2,143 |
| Loan and lease loss provision to assets | 0.1001% | 2,013 |
| Net operating income to assets | 0.8329% | 3,234 |
| Return on assets (ROA) | 0.8329% | 3,289 |
| Pretax return on assets | 1.1751% | 2,875 |
| Return on Equity (ROE) | 8.5288% | 2,760 |
| Retained earnings to average equity (ytd only) | 5.2998% | 2,522 |
| Net charge-offs to loans | 0.0143% | 2,959 |
| Credit loss provision to net charge-offs | 952.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 121.3200% | 574 |
| Efficiency ratio | 70.0976% | 2,657 |
| Assets per employee ($millions) | 4.8146% | 2,626 |
| Cash dividends to net income (ytd only)* | 37.8597% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,841 |
| Loan loss allowance to noncurrent loans | 296.1459% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 2,473 |
| Noncurrent loans to loans | 0.4148% | 3,533 |
| Net loans and leases to total assets | 70.4462% | 2,456 |
| Net loans and leases to deposits | 79.7952% | 2,933 |
| Net loans and leases to core deposits | 91.8039% | 2,355 |
| Total domestic deposits to total assets | 88.2838% | 1,315 |
| Equity capital to assets | 9.5948% | 4,316 |
| Core capital (leverage) ratio | 9.6245% | 3,991 |
| Tier 1 risk-based capital ratio | 12.2235% | 4,481 |
| Total risk-based capital ratio | 13.3937% | 4,417 |
| Memoranda: | ||
| Average total assets | $475,708,670 | 1,481 |
| Average earning assets | $437,821,670 | 1,493 |
| Average equity | $46,454,330 | 1,629 |
| Average total loans | $348,782,670 | 1,396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,054 |
| Cost of funding earning assets | 0.3358% | 3,689 |
| Net interest margin | 3.9307% | 1,671 |
| Noninterest income to average assets | 0.7359% | 1,801 |
| Noninterest expense to average assets | 3.0845% | 1,907 |
| Loan and lease loss provision to assets | 0.0838% | 2,143 |
| Net operating income to assets | 0.8359% | 3,054 |
| Return on assets (ROA) | 0.8359% | 3,105 |
| Pretax return on assets | 1.1794% | 2,683 |
| Return on Equity (ROE) | 8.4819% | 2,685 |
| Retained earnings to average equity (ytd only) | 7.1810% | 1,793 |
| Net charge-offs to loans | 0.0460% | 1,929 |
| Credit loss provision to net charge-offs | 245.0000% | 902 |
| Earnings coverage of net charge-offs (x) | 36.9500% | 1,085 |
| Efficiency ratio | 70.9455% | 2,750 |
| Assets per employee ($millions) | 4.4031% | 3,327 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,118 |
| Loan loss allowance to noncurrent loans | 335.0565% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 2,571 |
| Noncurrent loans to loans | 0.3592% | 3,804 |
| Net loans and leases to total assets | 72.9653% | 1,920 |
| Net loans and leases to deposits | 82.4235% | 2,454 |
| Net loans and leases to core deposits | 95.8116% | 1,829 |
| Total domestic deposits to total assets | 88.5248% | 1,409 |
| Equity capital to assets | 9.9822% | 3,778 |
| Core capital (leverage) ratio | 9.2053% | 4,475 |
| Tier 1 risk-based capital ratio | 11.8788% | 4,789 |
| Total risk-based capital ratio | 13.0259% | 4,775 |
| Memoranda: | ||
| Average total assets | $468,019,000 | 1,506 |
| Average earning assets | $430,045,500 | 1,523 |
| Average equity | $46,122,000 | 1,640 |
| Average total loans | $348,046,000 | 1,407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,263 |
| Cost of funding earning assets | 0.2849% | 4,212 |
| Net interest margin | 3.6968% | 2,705 |
| Noninterest income to average assets | 0.7394% | 1,996 |
| Noninterest expense to average assets | 3.0202% | 2,289 |
| Loan and lease loss provision to assets | 0.0602% | 3,173 |
| Net operating income to assets | 0.7828% | 3,386 |
| Return on assets (ROA) | 0.7850% | 3,479 |
| Pretax return on assets | 1.0539% | 3,285 |
| Return on Equity (ROE) | 6.9176% | 3,511 |
| Retained earnings to average equity (ytd only) | -23.1182% | 5,868 |
| Net charge-offs to loans | 0.1506% | 1,755 |
| Credit loss provision to net charge-offs | 56.0748% | 3,303 |
| Earnings coverage of net charge-offs (x) | 10.3575% | 2,650 |
| Efficiency ratio | 73.1056% | 2,414 |
| Assets per employee ($millions) | 4.4696% | 3,162 |
| Cash dividends to net income (ytd only)* | 434.1954% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,347 |
| Loan loss allowance to noncurrent loans | 317.5466% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 2,638 |
| Noncurrent loans to loans | 0.3665% | 3,810 |
| Net loans and leases to total assets | 74.0032% | 1,851 |
| Net loans and leases to deposits | 84.5657% | 2,352 |
| Net loans and leases to core deposits | 105.3941% | 1,171 |
| Total domestic deposits to total assets | 87.5097% | 1,872 |
| Equity capital to assets | 9.7279% | 4,030 |
| Core capital (leverage) ratio | 9.8055% | 3,738 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,762 |
| Total risk-based capital ratio | 13.0594% | 4,753 |
| Memoranda: | ||
| Average total assets | $398,985,000 | 1,688 |
| Average earning assets | $366,072,000 | 1,698 |
| Average equity | $45,276,000 | 1,660 |
| Average total loans | $284,246,000 | 1,598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,440 |
| Cost of funding earning assets | 0.2620% | 4,483 |
| Net interest margin | 3.6846% | 2,777 |
| Noninterest income to average assets | 0.7607% | 1,926 |
| Noninterest expense to average assets | 3.0217% | 2,259 |
| Loan and lease loss provision to assets | 0.0559% | 3,129 |
| Net operating income to assets | 0.7953% | 3,388 |
| Return on assets (ROA) | 0.7984% | 3,511 |
| Pretax return on assets | 1.0652% | 3,373 |
| Return on Equity (ROE) | 6.7401% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,593 |
| Net charge-offs to loans | 0.1959% | 1,197 |
| Credit loss provision to net charge-offs | 40.7125% | 3,144 |
| Earnings coverage of net charge-offs (x) | 8.1297% | 2,806 |
| Efficiency ratio | 73.0129% | 2,439 |
| Assets per employee ($millions) | 4.4544% | 3,156 |
| Cash dividends to net income (ytd only)* | 20.7969% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,239 |
| Loan loss allowance to noncurrent loans | 993.8575% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 3,112 |
| Noncurrent loans to loans | 0.1400% | 4,783 |
| Net loans and leases to total assets | 72.3332% | 2,141 |
| Net loans and leases to deposits | 85.9179% | 2,270 |
| Net loans and leases to core deposits | 97.5039% | 1,861 |
| Total domestic deposits to total assets | 84.1887% | 3,149 |
| Equity capital to assets | 11.6527% | 2,397 |
| Core capital (leverage) ratio | 11.7466% | 1,846 |
| Tier 1 risk-based capital ratio | 14.6582% | 3,211 |
| Total risk-based capital ratio | 15.9088% | 3,151 |
| Memoranda: | ||
| Average total assets | $381,404,250 | 1,758 |
| Average earning assets | $349,667,000 | 1,782 |
| Average equity | $45,181,500 | 1,670 |
| Average total loans | $267,459,250 | 1,690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,440 |
| Cost of funding earning assets | 0.2580% | 4,569 |
| Net interest margin | 3.6884% | 2,739 |
| Noninterest income to average assets | 0.7588% | 1,895 |
| Noninterest expense to average assets | 3.0091% | 2,317 |
| Loan and lease loss provision to assets | 0.0420% | 3,308 |
| Net operating income to assets | 0.8117% | 3,258 |
| Return on assets (ROA) | 0.8140% | 3,381 |
| Pretax return on assets | 1.0909% | 3,234 |
| Return on Equity (ROE) | 6.8327% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.7142% | 2,914 |
| Net charge-offs to loans | 0.2611% | 923 |
| Credit loss provision to net charge-offs | 23.3038% | 2,910 |
| Earnings coverage of net charge-offs (x) | 6.2714% | 2,764 |
| Efficiency ratio | 72.7051% | 2,562 |
| Assets per employee ($millions) | 4.3772% | 3,255 |
| Cash dividends to net income (ytd only)* | 31.0052% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,882 |
| Loan loss allowance to noncurrent loans | 667.6080% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 2,845 |
| Noncurrent loans to loans | 0.2238% | 4,539 |
| Net loans and leases to total assets | 68.0131% | 2,772 |
| Net loans and leases to deposits | 78.4387% | 3,107 |
| Net loans and leases to core deposits | 90.0372% | 2,529 |
| Total domestic deposits to total assets | 86.7086% | 2,056 |
| Equity capital to assets | 11.6442% | 2,410 |
| Core capital (leverage) ratio | 11.7382% | 1,821 |
| Tier 1 risk-based capital ratio | 15.5351% | 2,845 |
| Total risk-based capital ratio | 16.7865% | 2,783 |
| Memoranda: | ||
| Average total assets | $376,392,670 | 1,780 |
| Average earning assets | $344,920,670 | 1,802 |
| Average equity | $44,843,330 | 1,683 |
| Average total loans | $259,678,330 | 1,738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,265 |
| Cost of funding earning assets | 0.2549% | 4,652 |
| Net interest margin | 3.7321% | 2,548 |
| Noninterest income to average assets | 0.7117% | 1,980 |
| Noninterest expense to average assets | 2.9886% | 2,428 |
| Loan and lease loss provision to assets | 0.0303% | 3,257 |
| Net operating income to assets | 0.8259% | 3,121 |
| Return on assets (ROA) | 0.8307% | 3,223 |
| Pretax return on assets | 1.1195% | 3,017 |
| Return on Equity (ROE) | 6.8904% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.8904% | 1,935 |
| Net charge-offs to loans | 0.2933% | 728 |
| Credit loss provision to net charge-offs | 14.9733% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.6524% | 2,312 |
| Efficiency ratio | 72.3298% | 2,753 |
| Assets per employee ($millions) | 4.2338% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 1,586 |
| Loan loss allowance to noncurrent loans | 574.4770% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 2,713 |
| Noncurrent loans to loans | 0.2796% | 4,432 |
| Net loans and leases to total assets | 66.9512% | 2,812 |
| Net loans and leases to deposits | 77.5116% | 3,053 |
| Net loans and leases to core deposits | 88.8382% | 2,476 |
| Total domestic deposits to total assets | 86.3757% | 2,506 |
| Equity capital to assets | 11.9553% | 2,060 |
| Core capital (leverage) ratio | 12.0505% | 1,577 |
| Tier 1 risk-based capital ratio | 15.9526% | 2,705 |
| Total risk-based capital ratio | 17.2059% | 2,647 |
| Memoranda: | ||
| Average total assets | $369,804,500 | 1,813 |
| Average earning assets | $338,893,500 | 1,834 |
| Average equity | $44,584,000 | 1,690 |
| Average total loans | $255,029,000 | 1,766 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 4,037 |
| Cost of funding earning assets | 0.2483% | 4,803 |
| Net interest margin | 3.5535% | 3,308 |
| Noninterest income to average assets | 0.7947% | 1,807 |
| Noninterest expense to average assets | 3.0574% | 2,360 |
| Loan and lease loss provision to assets | 0.0122% | 4,167 |
| Net operating income to assets | 0.7539% | 3,555 |
| Return on assets (ROA) | 0.7678% | 3,565 |
| Pretax return on assets | 1.0137% | 3,404 |
| Return on Equity (ROE) | 6.4834% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.8441% | 3,303 |
| Net charge-offs to loans | 0.5365% | 481 |
| Credit loss provision to net charge-offs | 3.3988% | 3,876 |
| Earnings coverage of net charge-offs (x) | 2.8006% | 3,825 |
| Efficiency ratio | 75.2106% | 2,394 |
| Assets per employee ($millions) | 4.0311% | 3,876 |
| Cash dividends to net income (ytd only)* | 40.7080% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,382 |
| Loan loss allowance to noncurrent loans | 341.9664% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 2,138 |
| Noncurrent loans to loans | 0.4932% | 3,719 |
| Net loans and leases to total assets | 68.7384% | 2,581 |
| Net loans and leases to deposits | 80.4546% | 2,772 |
| Net loans and leases to core deposits | 92.9912% | 2,132 |
| Total domestic deposits to total assets | 85.4376% | 2,888 |
| Equity capital to assets | 12.1608% | 1,840 |
| Core capital (leverage) ratio | 12.1247% | 1,546 |
| Tier 1 risk-based capital ratio | 16.1411% | 2,628 |
| Total risk-based capital ratio | 17.3949% | 2,580 |
| Memoranda: | ||
| Average total assets | $367,956,400 | 1,786 |
| Average earning assets | $338,652,200 | 1,794 |
| Average equity | $43,572,800 | 1,686 |
| Average total loans | $246,765,200 | 1,745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 4,164 |
| Cost of funding earning assets | 0.2500% | 4,879 |
| Net interest margin | 3.5287% | 3,431 |
| Noninterest income to average assets | 0.7962% | 1,815 |
| Noninterest expense to average assets | 3.0349% | 2,416 |
| Loan and lease loss provision to assets | 0.0141% | 3,993 |
| Net operating income to assets | 0.7579% | 3,647 |
| Return on assets (ROA) | 0.7637% | 3,714 |
| Pretax return on assets | 1.0060% | 3,591 |
| Return on Equity (ROE) | 6.4921% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.7271% | 3,107 |
| Net charge-offs to loans | 0.1121% | 2,009 |
| Credit loss provision to net charge-offs | 18.9320% | 3,373 |
| Earnings coverage of net charge-offs (x) | 13.6116% | 2,314 |
| Efficiency ratio | 74.9844% | 2,403 |
| Assets per employee ($millions) | 3.8472% | 4,183 |
| Cash dividends to net income (ytd only)* | 27.1868% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2224% | 639 |
| Loan loss allowance to noncurrent loans | 228.5835% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 1,491 |
| Noncurrent loans to loans | 0.9722% | 2,552 |
| Net loans and leases to total assets | 65.5743% | 3,079 |
| Net loans and leases to deposits | 76.2667% | 3,270 |
| Net loans and leases to core deposits | 89.1180% | 2,548 |
| Total domestic deposits to total assets | 85.9803% | 2,528 |
| Equity capital to assets | 12.2240% | 1,934 |
| Core capital (leverage) ratio | 12.0197% | 1,664 |
| Tier 1 risk-based capital ratio | 16.5068% | 2,571 |
| Total risk-based capital ratio | 17.7663% | 2,530 |
| Memoranda: | ||
| Average total assets | $369,246,250 | 1,787 |
| Average earning assets | $340,211,500 | 1,798 |
| Average equity | $43,436,250 | 1,703 |
| Average total loans | $245,041,750 | 1,767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,402 |
| Cost of funding earning assets | 0.2488% | 4,953 |
| Net interest margin | 3.4524% | 3,696 |
| Noninterest income to average assets | 0.7666% | 1,924 |
| Noninterest expense to average assets | 2.9749% | 2,629 |
| Loan and lease loss provision to assets | 0.0178% | 3,771 |
| Net operating income to assets | 0.7311% | 3,729 |
| Return on assets (ROA) | 0.7397% | 3,798 |
| Pretax return on assets | 0.9721% | 3,688 |
| Return on Equity (ROE) | 6.3688% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.7055% | 3,668 |
| Net charge-offs to loans | 0.0081% | 3,615 |
| Credit loss provision to net charge-offs | 330.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 181.9000% | 369 |
| Efficiency ratio | 75.2483% | 2,506 |
| Assets per employee ($millions) | 3.8999% | 4,076 |
| Cash dividends to net income (ytd only)* | 41.8182% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 657 |
| Loan loss allowance to noncurrent loans | 133.1821% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 1,463 |
| Noncurrent loans to loans | 1.7069% | 1,517 |
| Net loans and leases to total assets | 65.4215% | 3,064 |
| Net loans and leases to deposits | 75.6831% | 3,302 |
| Net loans and leases to core deposits | 92.3051% | 2,128 |
| Total domestic deposits to total assets | 86.4413% | 2,466 |
| Equity capital to assets | 11.8260% | 2,150 |
| Core capital (leverage) ratio | 11.6423% | 1,894 |
| Tier 1 risk-based capital ratio | 16.4596% | 2,628 |
| Total risk-based capital ratio | 17.7203% | 2,579 |
| Memoranda: | ||
| Average total assets | $371,781,670 | 1,788 |
| Average earning assets | $343,179,330 | 1,783 |
| Average equity | $43,179,330 | 1,718 |
| Average total loans | $245,878,000 | 1,776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,328 |
| Cost of funding earning assets | 0.2487% | 5,038 |
| Net interest margin | 3.4610% | 3,580 |
| Noninterest income to average assets | 0.7533% | 1,895 |
| Noninterest expense to average assets | 2.9436% | 2,765 |
| Loan and lease loss provision to assets | 0.0278% | 3,327 |
| Net operating income to assets | 0.7375% | 3,609 |
| Return on assets (ROA) | 0.7543% | 3,650 |
| Pretax return on assets | 1.0011% | 3,501 |
| Return on Equity (ROE) | 6.5533% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.5533% | 2,210 |
| Net charge-offs to loans | 0.0098% | 3,012 |
| Credit loss provision to net charge-offs | 433.3333% | 614 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 344 |
| Efficiency ratio | 74.5199% | 2,730 |
| Assets per employee ($millions) | 3.9673% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3258% | 686 |
| Loan loss allowance to noncurrent loans | 125.5856% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6872% | 1,491 |
| Noncurrent loans to loans | 1.8519% | 1,452 |
| Net loans and leases to total assets | 62.7933% | 3,261 |
| Net loans and leases to deposits | 73.5759% | 3,364 |
| Net loans and leases to core deposits | 88.3405% | 2,294 |
| Total domestic deposits to total assets | 85.3449% | 3,246 |
| Equity capital to assets | 11.6556% | 2,336 |
| Core capital (leverage) ratio | 11.4332% | 2,046 |
| Tier 1 risk-based capital ratio | 16.6843% | 2,601 |
| Total risk-based capital ratio | 17.9452% | 2,550 |
| Memoranda: | ||
| Average total assets | $374,376,500 | 1,785 |
| Average earning assets | $345,791,500 | 1,780 |
| Average equity | $43,092,500 | 1,725 |
| Average total loans | $246,112,500 | 1,769 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 4,253 |
| Cost of funding earning assets | 0.2536% | 5,286 |
| Net interest margin | 3.6143% | 3,360 |
| Noninterest income to average assets | 0.9514% | 1,342 |
| Noninterest expense to average assets | 2.9936% | 2,859 |
| Loan and lease loss provision to assets | 0.1411% | 1,881 |
| Net operating income to assets | 0.8443% | 3,148 |
| Return on assets (ROA) | 0.8926% | 2,999 |
| Pretax return on assets | 1.1677% | 2,791 |
| Return on Equity (ROE) | 8.0123% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.2656% | 2,421 |
| Net charge-offs to loans | 0.0876% | 3,236 |
| Credit loss provision to net charge-offs | 252.6316% | 1,007 |
| Earnings coverage of net charge-offs (x) | 22.2919% | 1,632 |
| Efficiency ratio | 70.6242% | 3,442 |
| Assets per employee ($millions) | 3.9982% | 3,960 |
| Cash dividends to net income (ytd only)* | 34.2814% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 821 |
| Loan loss allowance to noncurrent loans | 98.5980% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 1,281 |
| Noncurrent loans to loans | 2.2319% | 1,184 |
| Net loans and leases to total assets | 65.7004% | 2,946 |
| Net loans and leases to deposits | 76.7908% | 3,108 |
| Net loans and leases to core deposits | 88.6827% | 2,422 |
| Total domestic deposits to total assets | 85.5577% | 3,050 |
| Equity capital to assets | 11.3664% | 2,544 |
| Core capital (leverage) ratio | 11.1207% | 2,291 |
| Tier 1 risk-based capital ratio | 14.7197% | 3,649 |
| Total risk-based capital ratio | 15.9780% | 3,573 |
| Memoranda: | ||
| Average total assets | $374,167,600 | 1,743 |
| Average earning assets | $340,311,400 | 1,757 |
| Average equity | $41,686,000 | 1,722 |
| Average total loans | $238,676,800 | 1,769 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 4,422 |
| Cost of funding earning assets | 0.2565% | 5,339 |
| Net interest margin | 3.5783% | 3,513 |
| Noninterest income to average assets | 0.7449% | 2,118 |
| Noninterest expense to average assets | 2.9363% | 3,003 |
| Loan and lease loss provision to assets | 0.0075% | 4,269 |
| Net operating income to assets | 0.8186% | 3,350 |
| Return on assets (ROA) | 0.8840% | 3,099 |
| Pretax return on assets | 1.1408% | 3,028 |
| Return on Equity (ROE) | 7.9751% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,340 |
| Net charge-offs to loans | 0.0918% | 2,899 |
| Credit loss provision to net charge-offs | 12.9630% | 3,675 |
| Earnings coverage of net charge-offs (x) | 18.4016% | 1,842 |
| Efficiency ratio | 73.4124% | 2,920 |
| Assets per employee ($millions) | 3.9133% | 4,060 |
| Cash dividends to net income (ytd only)* | 23.4058% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 1,120 |
| Loan loss allowance to noncurrent loans | 122.1769% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.8308% | 1,616 |
| Noncurrent loans to loans | 1.7010% | 1,915 |
| Net loans and leases to total assets | 63.9140% | 3,184 |
| Net loans and leases to deposits | 74.4794% | 3,378 |
| Net loans and leases to core deposits | 85.6908% | 2,696 |
| Total domestic deposits to total assets | 85.8143% | 2,949 |
| Equity capital to assets | 11.2949% | 2,660 |
| Core capital (leverage) ratio | 11.2952% | 2,218 |
| Tier 1 risk-based capital ratio | 14.7437% | 3,739 |
| Total risk-based capital ratio | 16.0003% | 3,676 |
| Memoranda: | ||
| Average total assets | $373,752,750 | 1,762 |
| Average earning assets | $339,963,000 | 1,773 |
| Average equity | $41,428,000 | 1,738 |
| Average total loans | $235,227,000 | 1,798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,442 |
| Cost of funding earning assets | 0.2592% | 5,393 |
| Net interest margin | 3.5624% | 3,518 |
| Noninterest income to average assets | 0.7349% | 2,113 |
| Noninterest expense to average assets | 2.9305% | 3,066 |
| Loan and lease loss provision to assets | 0.0070% | 4,097 |
| Net operating income to assets | 0.8061% | 3,294 |
| Return on assets (ROA) | 0.9043% | 2,885 |
| Pretax return on assets | 1.1669% | 2,812 |
| Return on Equity (ROE) | 8.2106% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,707 |
| Net charge-offs to loans | 0.1354% | 2,315 |
| Credit loss provision to net charge-offs | 8.2803% | 3,321 |
| Earnings coverage of net charge-offs (x) | 12.4331% | 2,062 |
| Efficiency ratio | 73.6892% | 3,028 |
| Assets per employee ($millions) | 4.5141% | 2,898 |
| Cash dividends to net income (ytd only)* | 34.3806% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 1,018 |
| Loan loss allowance to noncurrent loans | 115.9836% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 1,696 |
| Noncurrent loans to loans | 1.8996% | 1,802 |
| Net loans and leases to total assets | 60.3496% | 3,661 |
| Net loans and leases to deposits | 69.3060% | 3,906 |
| Net loans and leases to core deposits | 80.5062% | 3,157 |
| Total domestic deposits to total assets | 87.0770% | 2,415 |
| Equity capital to assets | 11.1014% | 2,788 |
| Core capital (leverage) ratio | 11.1237% | 2,310 |
| Tier 1 risk-based capital ratio | 15.0618% | 3,602 |
| Total risk-based capital ratio | 16.3193% | 3,545 |
| Memoranda: | ||
| Average total assets | $373,112,000 | 1,760 |
| Average earning assets | $339,546,670 | 1,770 |
| Average equity | $41,093,330 | 1,744 |
| Average total loans | $231,901,000 | 1,812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,231 |
| Cost of funding earning assets | 0.2589% | 5,506 |
| Net interest margin | 3.6038% | 3,231 |
| Noninterest income to average assets | 0.6811% | 2,281 |
| Noninterest expense to average assets | 2.9060% | 3,183 |
| Loan and lease loss provision to assets | 0.0064% | 3,735 |
| Net operating income to assets | 0.8272% | 3,018 |
| Return on assets (ROA) | 0.8272% | 3,087 |
| Pretax return on assets | 1.0582% | 3,093 |
| Return on Equity (ROE) | 7.5411% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.5411% | 1,800 |
| Net charge-offs to loans | 0.0017% | 3,644 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 991.0000% | 27 |
| Efficiency ratio | 73.1872% | 3,280 |
| Assets per employee ($millions) | 4.2404% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2734% | 1,069 |
| Loan loss allowance to noncurrent loans | 147.0407% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6765% | 2,107 |
| Noncurrent loans to loans | 1.5461% | 2,493 |
| Net loans and leases to total assets | 59.7082% | 3,605 |
| Net loans and leases to deposits | 68.3976% | 3,817 |
| Net loans and leases to core deposits | 77.6995% | 3,231 |
| Total domestic deposits to total assets | 87.2957% | 2,641 |
| Equity capital to assets | 10.9417% | 2,774 |
| Core capital (leverage) ratio | 10.9221% | 2,464 |
| Tier 1 risk-based capital ratio | 15.0856% | 3,665 |
| Total risk-based capital ratio | 16.3441% | 3,617 |
| Memoranda: | ||
| Average total assets | $372,332,000 | 1,770 |
| Average earning assets | $339,863,000 | 1,771 |
| Average equity | $40,843,000 | 1,747 |
| Average total loans | $232,248,000 | 1,805 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,552 |
| Cost of funding earning assets | 0.3513% | 5,119 |
| Net interest margin | 3.5247% | 3,791 |
| Noninterest income to average assets | 0.7245% | 2,412 |
| Noninterest expense to average assets | 2.9541% | 3,187 |
| Loan and lease loss provision to assets | 0.0048% | 5,027 |
| Net operating income to assets | 0.7755% | 3,417 |
| Return on assets (ROA) | 0.8341% | 3,193 |
| Pretax return on assets | 1.0706% | 3,067 |
| Return on Equity (ROE) | 7.7850% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.2478% | 2,449 |
| Net charge-offs to loans | 0.0610% | 4,359 |
| Credit loss provision to net charge-offs | 13.0435% | 4,549 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,274 |
| Efficiency ratio | 74.7032% | 3,011 |
| Assets per employee ($millions) | 3.8258% | 4,211 |
| Cash dividends to net income (ytd only)* | 32.5914% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 1,127 |
| Loan loss allowance to noncurrent loans | 150.3589% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7004% | 2,165 |
| Noncurrent loans to loans | 1.4890% | 2,660 |
| Net loans and leases to total assets | 62.2653% | 3,321 |
| Net loans and leases to deposits | 71.4715% | 3,594 |
| Net loans and leases to core deposits | 82.3098% | 2,863 |
| Total domestic deposits to total assets | 87.1191% | 2,663 |
| Equity capital to assets | 10.9981% | 2,614 |
| Core capital (leverage) ratio | 10.5885% | 2,793 |
| Tier 1 risk-based capital ratio | 14.8727% | 3,739 |
| Total risk-based capital ratio | 16.1314% | 3,682 |
| Memoranda: | ||
| Average total assets | $377,069,000 | 1,734 |
| Average earning assets | $345,531,200 | 1,733 |
| Average equity | $40,398,000 | 1,730 |
| Average total loans | $226,129,800 | 1,811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,708 |
| Cost of funding earning assets | 0.3655% | 5,140 |
| Net interest margin | 3.4728% | 4,001 |
| Noninterest income to average assets | 0.7209% | 2,505 |
| Noninterest expense to average assets | 2.9574% | 3,120 |
| Loan and lease loss provision to assets | 0.0049% | 4,870 |
| Net operating income to assets | 0.7382% | 3,660 |
| Return on assets (ROA) | 0.8157% | 3,397 |
| Pretax return on assets | 1.0423% | 3,326 |
| Return on Equity (ROE) | 7.6633% | 3,304 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,426 |
| Net charge-offs to loans | 0.0196% | 4,741 |
| Credit loss provision to net charge-offs | 42.4242% | 3,660 |
| Earnings coverage of net charge-offs (x) | 81.7555% | 581 |
| Efficiency ratio | 75.7287% | 2,765 |
| Assets per employee ($millions) | 4.2204% | 3,383 |
| Cash dividends to net income (ytd only)* | 21.9637% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 1,221 |
| Loan loss allowance to noncurrent loans | 163.8233% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 2,389 |
| Noncurrent loans to loans | 1.3878% | 3,093 |
| Net loans and leases to total assets | 61.0981% | 3,509 |
| Net loans and leases to deposits | 69.8561% | 3,808 |
| Net loans and leases to core deposits | 83.6002% | 2,690 |
| Total domestic deposits to total assets | 87.4628% | 2,438 |
| Equity capital to assets | 10.7082% | 3,060 |
| Core capital (leverage) ratio | 10.4395% | 3,074 |
| Tier 1 risk-based capital ratio | 14.5857% | 4,024 |
| Total risk-based capital ratio | 15.8216% | 3,985 |
| Memoranda: | ||
| Average total assets | $379,518,250 | 1,736 |
| Average earning assets | $347,995,250 | 1,736 |
| Average equity | $40,399,250 | 1,740 |
| Average total loans | $224,182,250 | 1,829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,778 |
| Cost of funding earning assets | 0.3833% | 5,098 |
| Net interest margin | 3.4313% | 4,068 |
| Noninterest income to average assets | 0.7111% | 2,589 |
| Noninterest expense to average assets | 2.9636% | 3,110 |
| Loan and lease loss provision to assets | 0.0047% | 4,730 |
| Net operating income to assets | 0.7166% | 3,733 |
| Return on assets (ROA) | 0.7258% | 3,857 |
| Pretax return on assets | 0.9038% | 3,895 |
| Return on Equity (ROE) | 6.8317% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.3106% | 3,539 |
| Net charge-offs to loans | 0.0199% | 4,443 |
| Credit loss provision to net charge-offs | 40.9091% | 3,403 |
| Earnings coverage of net charge-offs (x) | 77.6364% | 585 |
| Efficiency ratio | 76.7651% | 2,674 |
| Assets per employee ($millions) | 4.6201% | 2,617 |
| Cash dividends to net income (ytd only)* | 36.9030% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 1,069 |
| Loan loss allowance to noncurrent loans | 152.8016% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 2,553 |
| Noncurrent loans to loans | 1.5851% | 2,930 |
| Net loans and leases to total assets | 54.8321% | 4,474 |
| Net loans and leases to deposits | 62.2862% | 4,701 |
| Net loans and leases to core deposits | 74.1443% | 3,790 |
| Total domestic deposits to total assets | 88.0325% | 2,223 |
| Equity capital to assets | 10.2568% | 3,591 |
| Core capital (leverage) ratio | 9.9044% | 3,650 |
| Tier 1 risk-based capital ratio | 14.7086% | 3,966 |
| Total risk-based capital ratio | 15.9654% | 3,927 |
| Memoranda: | ||
| Average total assets | $380,818,000 | 1,736 |
| Average earning assets | $349,550,330 | 1,728 |
| Average equity | $40,458,330 | 1,739 |
| Average total loans | $220,631,330 | 1,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,484 |
| Cost of funding earning assets | 0.3992% | 5,107 |
| Net interest margin | 3.4963% | 3,717 |
| Noninterest income to average assets | 0.6840% | 2,680 |
| Noninterest expense to average assets | 3.0005% | 2,989 |
| Loan and lease loss provision to assets | 0.0043% | 4,374 |
| Net operating income to assets | 0.7042% | 3,663 |
| Return on assets (ROA) | 0.7042% | 3,804 |
| Pretax return on assets | 0.8846% | 3,814 |
| Return on Equity (ROE) | 6.5108% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.5108% | 2,404 |
| Net charge-offs to loans | 0.0363% | 3,516 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 41.6500% | 764 |
| Efficiency ratio | 77.1468% | 2,732 |
| Assets per employee ($millions) | 3.5692% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 1,168 |
| Loan loss allowance to noncurrent loans | 162.5190% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7507% | 2,668 |
| Noncurrent loans to loans | 1.5111% | 3,285 |
| Net loans and leases to total assets | 56.6167% | 3,986 |
| Net loans and leases to deposits | 64.8292% | 4,205 |
| Net loans and leases to core deposits | 77.8664% | 3,085 |
| Total domestic deposits to total assets | 87.3320% | 2,733 |
| Equity capital to assets | 10.9053% | 3,070 |
| Core capital (leverage) ratio | 10.1938% | 3,156 |
| Tier 1 risk-based capital ratio | 14.9955% | 3,837 |
| Total risk-based capital ratio | 16.2558% | 3,790 |
| Memoranda: | ||
| Average total assets | $374,874,000 | 1,764 |
| Average earning assets | $343,673,500 | 1,763 |
| Average equity | $40,548,000 | 1,756 |
| Average total loans | $220,610,000 | 1,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 4,677 |
| Cost of funding earning assets | 0.5383% | 4,926 |
| Net interest margin | 3.6371% | 3,930 |
| Noninterest income to average assets | 0.7636% | 2,428 |
| Noninterest expense to average assets | 3.0210% | 3,200 |
| Loan and lease loss provision to assets | 0.1054% | 4,322 |
| Net operating income to assets | 0.7625% | 3,452 |
| Return on assets (ROA) | 0.7642% | 3,691 |
| Pretax return on assets | 0.9812% | 3,612 |
| Return on Equity (ROE) | 7.3677% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.5749% | 3,004 |
| Net charge-offs to loans | 0.1343% | 4,337 |
| Credit loss provision to net charge-offs | 138.0623% | 1,998 |
| Earnings coverage of net charge-offs (x) | 14.2111% | 1,751 |
| Efficiency ratio | 73.5850% | 3,137 |
| Assets per employee ($millions) | 3.5713% | 4,847 |
| Cash dividends to net income (ytd only)* | 37.9060% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3952% | 1,237 |
| Loan loss allowance to noncurrent loans | 124.5178% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0206% | 2,426 |
| Noncurrent loans to loans | 1.9236% | 2,778 |
| Net loans and leases to total assets | 58.2268% | 3,935 |
| Net loans and leases to deposits | 67.6238% | 4,039 |
| Net loans and leases to core deposits | 80.8560% | 2,896 |
| Total domestic deposits to total assets | 86.1039% | 3,297 |
| Equity capital to assets | 10.7277% | 3,244 |
| Core capital (leverage) ratio | 10.0639% | 3,323 |
| Tier 1 risk-based capital ratio | 14.6085% | 3,959 |
| Total risk-based capital ratio | 15.8689% | 3,908 |
| Memoranda: | ||
| Average total assets | $378,713,400 | 1,722 |
| Average earning assets | $347,966,800 | 1,714 |
| Average equity | $39,279,600 | 1,771 |
| Average total loans | $215,143,200 | 1,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 5,043 |
| Cost of funding earning assets | 0.5690% | 4,922 |
| Net interest margin | 3.5705% | 4,352 |
| Noninterest income to average assets | 0.7702% | 2,380 |
| Noninterest expense to average assets | 3.0284% | 3,136 |
| Loan and lease loss provision to assets | 0.1384% | 3,812 |
| Net operating income to assets | 0.7024% | 3,903 |
| Return on assets (ROA) | 0.7024% | 4,144 |
| Pretax return on assets | 0.8892% | 4,157 |
| Return on Equity (ROE) | 6.8299% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.7536% | 3,557 |
| Net charge-offs to loans | 0.1127% | 4,256 |
| Credit loss provision to net charge-offs | 218.8889% | 1,273 |
| Earnings coverage of net charge-offs (x) | 16.2558% | 1,703 |
| Efficiency ratio | 74.6645% | 2,879 |
| Assets per employee ($millions) | 4.1210% | 3,644 |
| Cash dividends to net income (ytd only)* | 30.4001% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5912% | 1,092 |
| Loan loss allowance to noncurrent loans | 110.0544% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.2887% | 2,324 |
| Noncurrent loans to loans | 2.3545% | 2,448 |
| Net loans and leases to total assets | 54.7519% | 4,630 |
| Net loans and leases to deposits | 61.6460% | 5,005 |
| Net loans and leases to core deposits | 72.7915% | 4,158 |
| Total domestic deposits to total assets | 88.8167% | 1,527 |
| Equity capital to assets | 10.6942% | 3,614 |
| Core capital (leverage) ratio | 9.8906% | 3,699 |
| Tier 1 risk-based capital ratio | 15.0092% | 3,846 |
| Total risk-based capital ratio | 16.2709% | 3,783 |
| Memoranda: | ||
| Average total assets | $379,645,750 | 1,732 |
| Average earning assets | $349,376,750 | 1,723 |
| Average equity | $39,042,750 | 1,794 |
| Average total loans | $213,004,250 | 1,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 4,916 |
| Cost of funding earning assets | 0.6002% | 4,904 |
| Net interest margin | 3.6096% | 4,216 |
| Noninterest income to average assets | 0.7812% | 2,282 |
| Noninterest expense to average assets | 2.9728% | 3,361 |
| Loan and lease loss provision to assets | 0.2030% | 3,050 |
| Net operating income to assets | 0.7261% | 3,721 |
| Return on assets (ROA) | 0.7261% | 4,002 |
| Pretax return on assets | 0.9281% | 3,971 |
| Return on Equity (ROE) | 7.1545% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.2183% | 3,805 |
| Net charge-offs to loans | 0.1609% | 3,638 |
| Credit loss provision to net charge-offs | 225.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 12.5349% | 1,870 |
| Efficiency ratio | 72.4367% | 3,355 |
| Assets per employee ($millions) | 3.8534% | 4,192 |
| Cash dividends to net income (ytd only)* | 41.0405% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5805% | 1,175 |
| Loan loss allowance to noncurrent loans | 143.2730% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 2,801 |
| Noncurrent loans to loans | 1.8011% | 3,214 |
| Net loans and leases to total assets | 54.0633% | 4,789 |
| Net loans and leases to deposits | 60.5161% | 5,195 |
| Net loans and leases to core deposits | 69.8821% | 4,542 |
| Total domestic deposits to total assets | 89.3372% | 1,308 |
| Equity capital to assets | 10.2757% | 3,965 |
| Core capital (leverage) ratio | 9.4805% | 4,164 |
| Tier 1 risk-based capital ratio | 14.4924% | 4,111 |
| Total risk-based capital ratio | 15.7521% | 4,066 |
| Memoranda: | ||
| Average total assets | $381,189,330 | 1,732 |
| Average earning assets | $350,901,000 | 1,718 |
| Average equity | $38,688,670 | 1,799 |
| Average total loans | $213,742,330 | 1,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 4,849 |
| Cost of funding earning assets | 0.6123% | 5,037 |
| Net interest margin | 3.6577% | 4,021 |
| Noninterest income to average assets | 0.7957% | 2,188 |
| Noninterest expense to average assets | 2.9131% | 3,575 |
| Loan and lease loss provision to assets | 0.2425% | 2,529 |
| Net operating income to assets | 0.7768% | 3,495 |
| Return on assets (ROA) | 0.7768% | 3,734 |
| Pretax return on assets | 1.0078% | 3,652 |
| Return on Equity (ROE) | 7.7017% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.7017% | 2,091 |
| Net charge-offs to loans | 0.3166% | 2,379 |
| Credit loss provision to net charge-offs | 135.8824% | 1,811 |
| Earnings coverage of net charge-offs (x) | 7.0059% | 2,125 |
| Efficiency ratio | 69.9697% | 3,813 |
| Assets per employee ($millions) | 3.7803% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,405 |
| Loan loss allowance to noncurrent loans | 126.9488% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 2,830 |
| Noncurrent loans to loans | 1.9414% | 3,231 |
| Net loans and leases to total assets | 54.4885% | 4,639 |
| Net loans and leases to deposits | 60.8151% | 5,063 |
| Net loans and leases to core deposits | 70.5992% | 4,336 |
| Total domestic deposits to total assets | 89.5969% | 1,302 |
| Equity capital to assets | 10.0913% | 4,012 |
| Core capital (leverage) ratio | 9.6462% | 3,851 |
| Tier 1 risk-based capital ratio | 14.4639% | 4,138 |
| Total risk-based capital ratio | 15.7190% | 4,098 |
| Memoranda: | ||
| Average total assets | $381,042,000 | 1,741 |
| Average earning assets | $350,820,000 | 1,725 |
| Average equity | $38,433,000 | 1,806 |
| Average total loans | $214,760,500 | 1,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 4,955 |
| Cost of funding earning assets | 0.7676% | 5,079 |
| Net interest margin | 3.7625% | 4,020 |
| Noninterest income to average assets | 0.8436% | 1,871 |
| Noninterest expense to average assets | 3.0872% | 3,246 |
| Loan and lease loss provision to assets | 0.7079% | 1,443 |
| Net operating income to assets | 0.3223% | 5,181 |
| Return on assets (ROA) | 0.5549% | 4,398 |
| Pretax return on assets | 0.6496% | 4,510 |
| Return on Equity (ROE) | 5.6449% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.5332% | 3,710 |
| Net charge-offs to loans | 0.5064% | 2,966 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 3.8280% | 3,374 |
| Efficiency ratio | 74.0143% | 3,237 |
| Assets per employee ($millions) | 3.8814% | 4,127 |
| Cash dividends to net income (ytd only)* | 37.4101% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 1,379 |
| Loan loss allowance to noncurrent loans | 108.6318% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4696% | 2,460 |
| Noncurrent loans to loans | 2.2563% | 2,890 |
| Net loans and leases to total assets | 55.4755% | 4,800 |
| Net loans and leases to deposits | 61.9711% | 5,251 |
| Net loans and leases to core deposits | 70.5137% | 4,721 |
| Total domestic deposits to total assets | 89.5183% | 1,256 |
| Equity capital to assets | 10.0811% | 4,062 |
| Core capital (leverage) ratio | 9.4061% | 4,174 |
| Tier 1 risk-based capital ratio | 14.2482% | 4,149 |
| Total risk-based capital ratio | 15.5119% | 4,099 |
| Memoranda: | ||
| Average total assets | $375,773,200 | 1,731 |
| Average earning assets | $332,335,400 | 1,784 |
| Average equity | $36,935,800 | 1,825 |
| Average total loans | $210,105,600 | 1,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 4,960 |
| Cost of funding earning assets | 0.8008% | 5,143 |
| Net interest margin | 3.7768% | 3,982 |
| Noninterest income to average assets | 0.8399% | 1,878 |
| Noninterest expense to average assets | 3.1757% | 2,898 |
| Loan and lease loss provision to assets | 0.7817% | 1,200 |
| Net operating income to assets | 0.1792% | 5,755 |
| Return on assets (ROA) | 0.5222% | 4,631 |
| Pretax return on assets | 0.5541% | 4,956 |
| Return on Equity (ROE) | 5.3469% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.9656% | 3,895 |
| Net charge-offs to loans | 0.6740% | 2,226 |
| Credit loss provision to net charge-offs | 208.3254% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.5875% | 3,825 |
| Efficiency ratio | 76.5859% | 2,753 |
| Assets per employee ($millions) | 3.6125% | 4,729 |
| Cash dividends to net income (ytd only)* | 25.8326% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,784 |
| Loan loss allowance to noncurrent loans | 96.2859% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 2.5148% | 2,568 |
| Noncurrent loans to loans | 2.3354% | 2,965 |
| Net loans and leases to total assets | 55.4938% | 4,919 |
| Net loans and leases to deposits | 62.0014% | 5,399 |
| Net loans and leases to core deposits | 70.7227% | 4,862 |
| Total domestic deposits to total assets | 89.5041% | 1,140 |
| Equity capital to assets | 10.0977% | 4,210 |
| Core capital (leverage) ratio | 9.4534% | 4,223 |
| Tier 1 risk-based capital ratio | 14.1425% | 4,241 |
| Total risk-based capital ratio | 15.4004% | 4,209 |
| Memoranda: | ||
| Average total assets | $375,592,500 | 1,734 |
| Average earning assets | $328,839,500 | 1,807 |
| Average equity | $36,681,000 | 1,837 |
| Average total loans | $209,104,250 | 1,988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 4,737 |
| Cost of funding earning assets | 0.8584% | 4,997 |
| Net interest margin | 3.7956% | 3,801 |
| Noninterest income to average assets | 0.8446% | 1,822 |
| Noninterest expense to average assets | 3.1937% | 2,924 |
| Loan and lease loss provision to assets | 0.5560% | 1,736 |
| Net operating income to assets | 0.3456% | 5,190 |
| Return on assets (ROA) | 0.4532% | 4,843 |
| Pretax return on assets | 0.4825% | 5,128 |
| Return on Equity (ROE) | 4.6936% | 4,592 |
| Retained earnings to average equity (ytd only) | 2.5977% | 4,639 |
| Net charge-offs to loans | 0.6124% | 2,298 |
| Credit loss provision to net charge-offs | 164.1509% | 1,843 |
| Earnings coverage of net charge-offs (x) | 2.7280% | 3,478 |
| Efficiency ratio | 77.5608% | 2,779 |
| Assets per employee ($millions) | 3.7039% | 4,435 |
| Cash dividends to net income (ytd only)* | 44.6533% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 2,560 |
| Loan loss allowance to noncurrent loans | 75.6853% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 2,638 |
| Noncurrent loans to loans | 2.5554% | 2,824 |
| Net loans and leases to total assets | 53.9473% | 5,302 |
| Net loans and leases to deposits | 60.0275% | 5,721 |
| Net loans and leases to core deposits | 69.5354% | 5,119 |
| Total domestic deposits to total assets | 89.8709% | 1,032 |
| Equity capital to assets | 9.7572% | 4,451 |
| Core capital (leverage) ratio | 9.0744% | 4,611 |
| Tier 1 risk-based capital ratio | 13.7829% | 4,318 |
| Total risk-based capital ratio | 15.0370% | 4,288 |
| Memoranda: | ||
| Average total assets | $375,557,330 | 1,740 |
| Average earning assets | $323,851,670 | 1,840 |
| Average equity | $36,262,330 | 1,844 |
| Average total loans | $207,710,670 | 2,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 4,085 |
| Cost of funding earning assets | 0.9110% | 4,846 |
| Net interest margin | 3.8823% | 3,229 |
| Noninterest income to average assets | 0.8267% | 1,938 |
| Noninterest expense to average assets | 3.1027% | 3,232 |
| Loan and lease loss provision to assets | 0.6538% | 1,316 |
| Net operating income to assets | 0.3715% | 5,070 |
| Return on assets (ROA) | 0.3715% | 5,152 |
| Pretax return on assets | 0.3554% | 5,483 |
| Return on Equity (ROE) | 3.8679% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.8679% | 3,846 |
| Net charge-offs to loans | 0.7414% | 1,733 |
| Credit loss provision to net charge-offs | 159.0078% | 1,806 |
| Earnings coverage of net charge-offs (x) | 2.4543% | 3,100 |
| Efficiency ratio | 75.4569% | 3,252 |
| Assets per employee ($millions) | 3.6366% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,635 |
| Loan loss allowance to noncurrent loans | 159.7857% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6934% | 3,711 |
| Noncurrent loans to loans | 1.2000% | 4,680 |
| Net loans and leases to total assets | 52.9586% | 5,459 |
| Net loans and leases to deposits | 58.8385% | 5,847 |
| Net loans and leases to core deposits | 66.0901% | 5,496 |
| Total domestic deposits to total assets | 90.0067% | 1,146 |
| Equity capital to assets | 9.6243% | 4,288 |
| Core capital (leverage) ratio | 9.4689% | 3,862 |
| Tier 1 risk-based capital ratio | 14.5312% | 3,715 |
| Total risk-based capital ratio | 15.7857% | 3,678 |
| Memoranda: | ||
| Average total assets | $372,584,000 | 1,774 |
| Average earning assets | $315,275,000 | 1,895 |
| Average equity | $35,781,500 | 1,853 |
| Average total loans | $206,631,000 | 2,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 5,032 |
| Cost of funding earning assets | 1.0965% | 5,152 |
| Net interest margin | 3.8036% | 3,929 |
| Noninterest income to average assets | 0.7982% | 2,297 |
| Noninterest expense to average assets | 3.0685% | 3,598 |
| Loan and lease loss provision to assets | 0.8508% | 1,925 |
| Net operating income to assets | 0.2743% | 5,022 |
| Return on assets (ROA) | 0.4881% | 4,315 |
| Pretax return on assets | 0.4860% | 4,671 |
| Return on Equity (ROE) | 4.9772% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.2523% | 4,304 |
| Net charge-offs to loans | 0.9162% | 2,347 |
| Credit loss provision to net charge-offs | 156.9416% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.0714% | 4,171 |
| Efficiency ratio | 73.2075% | 3,556 |
| Assets per employee ($millions) | 3.5634% | 4,792 |
| Cash dividends to net income (ytd only)* | 54.7486% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 3,099 |
| Loan loss allowance to noncurrent loans | 54.1759% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 3,605 |
| Noncurrent loans to loans | 3.1945% | 2,384 |
| Net loans and leases to total assets | 55.9542% | 5,353 |
| Net loans and leases to deposits | 62.1645% | 5,832 |
| Net loans and leases to core deposits | 70.4670% | 5,405 |
| Total domestic deposits to total assets | 90.0099% | 1,094 |
| Equity capital to assets | 9.5827% | 4,294 |
| Core capital (leverage) ratio | 9.3402% | 3,942 |
| Tier 1 risk-based capital ratio | 13.7273% | 4,038 |
| Total risk-based capital ratio | 14.9822% | 4,015 |
| Memoranda: | ||
| Average total assets | $366,695,000 | 1,789 |
| Average earning assets | $327,135,000 | 1,823 |
| Average equity | $35,963,800 | 1,837 |
| Average total loans | $216,989,600 | 1,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 5,472 |
| Cost of funding earning assets | 1.1199% | 5,318 |
| Net interest margin | 3.7292% | 4,270 |
| Noninterest income to average assets | 0.7984% | 2,242 |
| Noninterest expense to average assets | 3.0861% | 3,397 |
| Loan and lease loss provision to assets | 0.6139% | 2,485 |
| Net operating income to assets | 0.4284% | 4,634 |
| Return on assets (ROA) | 0.5767% | 4,135 |
| Pretax return on assets | 0.6117% | 4,557 |
| Return on Equity (ROE) | 5.8467% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.9988% | 3,665 |
| Net charge-offs to loans | 0.2124% | 4,664 |
| Credit loss provision to net charge-offs | 483.9080% | 610 |
| Earnings coverage of net charge-offs (x) | 8.4166% | 2,169 |
| Efficiency ratio | 74.2935% | 3,271 |
| Assets per employee ($millions) | 3.8004% | 4,266 |
| Cash dividends to net income (ytd only)* | 31.6056% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,978 |
| Loan loss allowance to noncurrent loans | 140.5760% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 5,602 |
| Noncurrent loans to loans | 1.2460% | 4,767 |
| Net loans and leases to total assets | 59.2837% | 5,046 |
| Net loans and leases to deposits | 66.4719% | 5,613 |
| Net loans and leases to core deposits | 69.7095% | 5,774 |
| Total domestic deposits to total assets | 89.1861% | 1,293 |
| Equity capital to assets | 10.2166% | 3,859 |
| Core capital (leverage) ratio | 9.5675% | 3,808 |
| Tier 1 risk-based capital ratio | 13.5863% | 4,131 |
| Total risk-based capital ratio | 14.8331% | 4,078 |
| Memoranda: | ||
| Average total assets | $365,719,750 | 1,809 |
| Average earning assets | $329,069,000 | 1,841 |
| Average equity | $36,076,500 | 1,851 |
| Average total loans | $218,483,000 | 2,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 5,661 |
| Cost of funding earning assets | 1.1647% | 5,314 |
| Net interest margin | 3.6712% | 4,491 |
| Noninterest income to average assets | 0.7830% | 2,220 |
| Noninterest expense to average assets | 3.0512% | 3,520 |
| Loan and lease loss provision to assets | 0.6683% | 2,163 |
| Net operating income to assets | 0.3282% | 5,075 |
| Return on assets (ROA) | 0.5601% | 4,185 |
| Pretax return on assets | 0.5727% | 4,658 |
| Return on Equity (ROE) | 5.7459% | 3,919 |
| Retained earnings to average equity (ytd only) | 2.9430% | 4,256 |
| Net charge-offs to loans | 0.2606% | 4,046 |
| Credit loss provision to net charge-offs | 430.6338% | 842 |
| Earnings coverage of net charge-offs (x) | 6.4718% | 2,454 |
| Efficiency ratio | 75.2358% | 3,222 |
| Assets per employee ($millions) | 4.3670% | 3,100 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,561 |
| Loan loss allowance to noncurrent loans | 152.5805% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 5,964 |
| Noncurrent loans to loans | 1.0321% | 5,242 |
| Net loans and leases to total assets | 58.2415% | 5,376 |
| Net loans and leases to deposits | 64.7545% | 5,943 |
| Net loans and leases to core deposits | 67.8245% | 6,070 |
| Total domestic deposits to total assets | 89.9420% | 945 |
| Equity capital to assets | 9.6442% | 4,477 |
| Core capital (leverage) ratio | 9.3912% | 3,972 |
| Tier 1 risk-based capital ratio | 13.3091% | 4,201 |
| Total risk-based capital ratio | 14.5602% | 4,160 |
| Memoranda: | ||
| Average total assets | $366,014,000 | 1,827 |
| Average earning assets | $326,272,330 | 1,863 |
| Average equity | $35,677,330 | 1,871 |
| Average total loans | $217,929,000 | 2,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 5,459 |
| Cost of funding earning assets | 1.2288% | 5,236 |
| Net interest margin | 3.6714% | 4,390 |
| Noninterest income to average assets | 0.7782% | 2,130 |
| Noninterest expense to average assets | 3.0312% | 3,560 |
| Loan and lease loss provision to assets | 0.8376% | 1,510 |
| Net operating income to assets | 0.2609% | 5,447 |
| Return on assets (ROA) | 0.2609% | 5,573 |
| Pretax return on assets | 0.1123% | 6,101 |
| Return on Equity (ROE) | 2.6617% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.6617% | 4,554 |
| Net charge-offs to loans | 0.0405% | 5,014 |
| Credit loss provision to net charge-offs | 3,459.0909% | 137 |
| Earnings coverage of net charge-offs (x) | 39.2273% | 707 |
| Efficiency ratio | 76.1404% | 3,187 |
| Assets per employee ($millions) | 4.3249% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,913 |
| Loan loss allowance to noncurrent loans | 164.2641% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 6,136 |
| Noncurrent loans to loans | 0.9130% | 5,492 |
| Net loans and leases to total assets | 58.9161% | 5,295 |
| Net loans and leases to deposits | 65.6566% | 5,861 |
| Net loans and leases to core deposits | 77.9843% | 5,021 |
| Total domestic deposits to total assets | 89.7336% | 1,126 |
| Equity capital to assets | 9.8650% | 4,038 |
| Core capital (leverage) ratio | 9.4369% | 3,871 |
| Tier 1 risk-based capital ratio | 13.7582% | 3,830 |
| Total risk-based capital ratio | 14.9928% | 3,791 |
| Memoranda: | ||
| Average total assets | $363,423,000 | 1,884 |
| Average earning assets | $317,049,500 | 1,964 |
| Average equity | $35,616,500 | 1,890 |
| Average total loans | $217,069,000 | 2,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 5,803 |
| Cost of funding earning assets | 1.3997% | 5,932 |
| Net interest margin | 3.7674% | 3,841 |
| Noninterest income to average assets | 0.9127% | 1,900 |
| Noninterest expense to average assets | 3.3967% | 2,696 |
| Loan and lease loss provision to assets | 0.2896% | 5,112 |
| Net operating income to assets | 0.6326% | 3,208 |
| Return on assets (ROA) | 0.6685% | 3,119 |
| Pretax return on assets | 0.6871% | 3,615 |
| Return on Equity (ROE) | 6.0205% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.0392% | 3,037 |
| Net charge-offs to loans | 0.2370% | 5,144 |
| Credit loss provision to net charge-offs | 188.4937% | 2,133 |
| Earnings coverage of net charge-offs (x) | 6.1172% | 2,433 |
| Efficiency ratio | 78.3295% | 3,141 |
| Assets per employee ($millions) | 4.2771% | 3,309 |
| Cash dividends to net income (ytd only)* | 49.5192% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,577 |
| Loan loss allowance to noncurrent loans | 180.1287% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 6,486 |
| Noncurrent loans to loans | 0.6452% | 5,948 |
| Net loans and leases to total assets | 58.9518% | 5,498 |
| Net loans and leases to deposits | 65.7035% | 6,083 |
| Net loans and leases to core deposits | 77.5884% | 6,293 |
| Total domestic deposits to total assets | 89.7239% | 1,095 |
| Equity capital to assets | 9.7356% | 4,095 |
| Core capital (leverage) ratio | 9.4887% | 3,735 |
| Tier 1 risk-based capital ratio | 12.9350% | 4,185 |
| Total risk-based capital ratio | 13.8951% | 4,341 |
| Memoranda: | ||
| Average total assets | $311,150,800 | 2,158 |
| Average earning assets | $282,768,800 | 2,171 |
| Average equity | $34,548,600 | 1,948 |
| Average total loans | $201,648,000 | 2,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 5,620 |
| Cost of funding earning assets | 1.4265% | 6,134 |
| Net interest margin | 3.8363% | 3,494 |
| Noninterest income to average assets | 0.9264% | 1,879 |
| Noninterest expense to average assets | 3.4723% | 2,347 |
| Loan and lease loss provision to assets | 0.2183% | 5,232 |
| Net operating income to assets | 0.6688% | 3,318 |
| Return on assets (ROA) | 0.7166% | 3,217 |
| Pretax return on assets | 0.7726% | 3,615 |
| Return on Equity (ROE) | 6.2205% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.2402% | 2,905 |
| Net charge-offs to loans | 0.1597% | 5,112 |
| Credit loss provision to net charge-offs | 205.9072% | 2,155 |
| Earnings coverage of net charge-offs (x) | 8.8608% | 2,185 |
| Efficiency ratio | 78.7061% | 3,050 |
| Assets per employee ($millions) | 3.5315% | 4,848 |
| Cash dividends to net income (ytd only)* | 31.8350% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,603 |
| Loan loss allowance to noncurrent loans | 124.9601% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 6,059 |
| Noncurrent loans to loans | 0.8958% | 5,490 |
| Net loans and leases to total assets | 61.8207% | 5,275 |
| Net loans and leases to deposits | 69.7081% | 5,953 |
| Net loans and leases to core deposits | 86.7456% | 5,793 |
| Total domestic deposits to total assets | 88.6851% | 1,347 |
| Equity capital to assets | 10.6102% | 3,389 |
| Core capital (leverage) ratio | 10.7628% | 2,591 |
| Tier 1 risk-based capital ratio | 13.9633% | 3,568 |
| Total risk-based capital ratio | 14.9278% | 3,675 |
| Memoranda: | ||
| Average total assets | $298,050,250 | 2,235 |
| Average earning assets | $270,776,750 | 2,252 |
| Average equity | $34,337,250 | 1,979 |
| Average total loans | $197,849,750 | 2,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 5,180 |
| Cost of funding earning assets | 1.4294% | 6,381 |
| Net interest margin | 3.9649% | 2,842 |
| Noninterest income to average assets | 0.9371% | 1,808 |
| Noninterest expense to average assets | 3.5886% | 2,097 |
| Loan and lease loss provision to assets | 0.1842% | 5,187 |
| Net operating income to assets | 0.6851% | 3,318 |
| Return on assets (ROA) | 0.7592% | 3,120 |
| Pretax return on assets | 0.8250% | 3,585 |
| Return on Equity (ROE) | 6.3919% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.3847% | 3,439 |
| Net charge-offs to loans | 0.0413% | 5,886 |
| Credit loss provision to net charge-offs | 657.5000% | 706 |
| Earnings coverage of net charge-offs (x) | 33.1500% | 934 |
| Efficiency ratio | 79.4419% | 3,134 |
| Assets per employee ($millions) | 3.5938% | 4,582 |
| Cash dividends to net income (ytd only)* | 47.0480% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,333 |
| Loan loss allowance to noncurrent loans | 148.7821% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 6,158 |
| Noncurrent loans to loans | 0.7662% | 5,704 |
| Net loans and leases to total assets | 65.8897% | 4,582 |
| Net loans and leases to deposits | 74.6671% | 5,354 |
| Net loans and leases to core deposits | 87.4158% | 5,774 |
| Total domestic deposits to total assets | 88.2447% | 1,651 |
| Equity capital to assets | 11.1873% | 2,764 |
| Core capital (leverage) ratio | 11.2383% | 2,237 |
| Tier 1 risk-based capital ratio | 14.3359% | 3,340 |
| Total risk-based capital ratio | 15.3299% | 3,408 |
| Memoranda: | ||
| Average total assets | $285,571,000 | 2,344 |
| Average earning assets | $257,864,670 | 2,372 |
| Average equity | $33,917,670 | 2,001 |
| Average total loans | $193,883,330 | 2,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,818 |
| Cost of funding earning assets | 1.5191% | 6,349 |
| Net interest margin | 3.9986% | 2,650 |
| Noninterest income to average assets | 0.9433% | 1,674 |
| Noninterest expense to average assets | 3.5614% | 1,949 |
| Loan and lease loss provision to assets | 0.1466% | 5,064 |
| Net operating income to assets | 0.7663% | 3,275 |
| Return on assets (ROA) | 0.7663% | 3,449 |
| Pretax return on assets | 0.8185% | 4,009 |
| Return on Equity (ROE) | 6.2505% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.2505% | 2,528 |
| Net charge-offs to loans | 0.0677% | 4,522 |
| Credit loss provision to net charge-offs | 315.6250% | 1,551 |
| Earnings coverage of net charge-offs (x) | 20.7813% | 1,359 |
| Efficiency ratio | 78.6791% | 3,051 |
| Assets per employee ($millions) | 3.0759% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,226 |
| Loan loss allowance to noncurrent loans | 223.9917% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 6,467 |
| Noncurrent loans to loans | 0.5067% | 6,159 |
| Net loans and leases to total assets | 68.1582% | 4,096 |
| Net loans and leases to deposits | 78.2594% | 4,883 |
| Net loans and leases to core deposits | 92.7198% | 5,288 |
| Total domestic deposits to total assets | 87.0927% | 2,171 |
| Equity capital to assets | 12.3174% | 2,070 |
| Core capital (leverage) ratio | 12.2274% | 1,801 |
| Tier 1 risk-based capital ratio | 15.6400% | 2,800 |
| Total risk-based capital ratio | 16.6533% | 2,823 |
| Memoranda: | ||
| Average total assets | $275,621,000 | 2,416 |
| Average earning assets | $246,989,000 | 2,476 |
| Average equity | $33,789,500 | 2,013 |
| Average total loans | $189,027,500 | 2,483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 5,717 |
| Cost of funding earning assets | 2.0551% | 6,216 |
| Net interest margin | 3.9117% | 3,509 |
| Noninterest income to average assets | 1.2488% | 950 |
| Noninterest expense to average assets | 3.4875% | 2,429 |
| Loan and lease loss provision to assets | 0.1326% | 5,665 |
| Net operating income to assets | 0.9704% | 2,690 |
| Return on assets (ROA) | 0.9704% | 2,570 |
| Pretax return on assets | 1.1177% | 2,966 |
| Return on Equity (ROE) | 7.9476% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.8030% | 2,149 |
| Net charge-offs to loans | 0.0675% | 5,811 |
| Credit loss provision to net charge-offs | 289.3443% | 1,568 |
| Earnings coverage of net charge-offs (x) | 27.2787% | 1,251 |
| Efficiency ratio | 73.6103% | 3,644 |
| Assets per employee ($millions) | 3.1542% | 5,610 |
| Cash dividends to net income (ytd only)* | 39.5664% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,131 |
| Loan loss allowance to noncurrent loans | 487.6744% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,945 |
| Noncurrent loans to loans | 0.2297% | 6,698 |
| Net loans and leases to total assets | 67.4568% | 4,562 |
| Net loans and leases to deposits | 77.3387% | 5,428 |
| Net loans and leases to core deposits | 90.0709% | 5,793 |
| Total domestic deposits to total assets | 87.2226% | 1,829 |
| Equity capital to assets | 12.2009% | 2,159 |
| Core capital (leverage) ratio | 12.1916% | 1,883 |
| Tier 1 risk-based capital ratio | 15.7115% | 2,772 |
| Total risk-based capital ratio | 16.7128% | 2,794 |
| Memoranda: | ||
| Average total assets | $266,179,000 | 2,410 |
| Average earning assets | $237,414,600 | 2,478 |
| Average equity | $32,500,400 | 2,085 |
| Average total loans | $180,799,600 | 2,493 |