Home > State Bank of Southern Utah > Performance and Condition Ratios
State Bank of Southern Utah, 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 | 4.4852% | 3,119 |
| Cost of funding earning assets | 1.6576% | 1,546 |
| Net interest margin | 2.8276% | 3,607 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.9115% | 3,815 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9670% | 2,318 |
| Return on assets (ROA) | 0.9670% | 2,304 |
| Pretax return on assets | 1.2434% | 2,021 |
| Return on Equity (ROE) | 11.8300% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.6418% | 1,108 |
| Net charge-offs to loans | 0.0072% | 2,407 |
| Credit loss provision to net charge-offs | 606.1856% | 583 |
| Earnings coverage of net charge-offs (x) | 301.0412% | 434 |
| Efficiency ratio | 59.7571% | 3,107 |
| Assets per employee ($millions) | 8.8048% | 1,061 |
| Cash dividends to net income (ytd only)* | 18.4800% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 1,825 |
| Loan loss allowance to noncurrent loans | 259.2177% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 1,337 |
| Noncurrent loans to loans | 0.4972% | 1,541 |
| Net loans and leases to total assets | 59.5700% | 2,885 |
| Net loans and leases to deposits | 74.0207% | 2,614 |
| Net loans and leases to core deposits | 80.5776% | 2,676 |
| Total domestic deposits to total assets | 80.4700% | 3,383 |
| Equity capital to assets | 8.7738% | 2,845 |
| Core capital (leverage) ratio | 10.3591% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,314,581,800 | 500 |
| Average earning assets | $2,163,220,600 | 486 |
| Average equity | $189,227,600 | 564 |
| Average total loans | $1,345,509,400 | 566 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 3,163 |
| Cost of funding earning assets | 1.5185% | 1,556 |
| Net interest margin | 2.8484% | 3,646 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.8930% | 3,817 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9231% | 2,606 |
| Return on assets (ROA) | 0.9231% | 2,590 |
| Pretax return on assets | 1.2185% | 2,253 |
| Return on Equity (ROE) | 11.5100% | 2,250 |
| Retained earnings to average equity (ytd only) | 8.5180% | 1,809 |
| Net charge-offs to loans | 0.0164% | 1,810 |
| Credit loss provision to net charge-offs | 928.8344% | 426 |
| Earnings coverage of net charge-offs (x) | 136.7117% | 777 |
| Efficiency ratio | 58.9414% | 3,094 |
| Assets per employee ($millions) | 8.5493% | 1,103 |
| Cash dividends to net income (ytd only)* | 25.9864% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,424 |
| Loan loss allowance to noncurrent loans | 233.6392% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,260 |
| Noncurrent loans to loans | 0.6019% | 1,341 |
| Net loans and leases to total assets | 58.1300% | 3,021 |
| Net loans and leases to deposits | 70.4490% | 2,815 |
| Net loans and leases to core deposits | 77.6808% | 2,758 |
| Total domestic deposits to total assets | 82.5100% | 3,115 |
| Equity capital to assets | 7.9525% | 3,082 |
| Core capital (leverage) ratio | 10.2439% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,298,904,750 | 508 |
| Average earning assets | $2,150,526,250 | 493 |
| Average equity | $184,389,750 | 571 |
| Average total loans | $1,323,250,000 | 573 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 3,208 |
| Cost of funding earning assets | 1.3530% | 1,574 |
| Net interest margin | 2.8888% | 3,668 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 1.9275% | 3,763 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9813% | 2,479 |
| Return on assets (ROA) | 0.9813% | 2,463 |
| Pretax return on assets | 1.2772% | 2,142 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.8281% | 1,456 |
| Net charge-offs to loans | 0.0326% | 1,242 |
| Credit loss provision to net charge-offs | 221.1268% | 1,006 |
| Earnings coverage of net charge-offs (x) | 70.0798% | 1,116 |
| Efficiency ratio | 59.1425% | 3,061 |
| Assets per employee ($millions) | 8.7180% | 998 |
| Cash dividends to net income (ytd only)* | 19.4350% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,681 |
| Loan loss allowance to noncurrent loans | 213.8072% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 1,158 |
| Noncurrent loans to loans | 0.6349% | 1,174 |
| Net loans and leases to total assets | 55.7400% | 3,140 |
| Net loans and leases to deposits | 67.6345% | 2,937 |
| Net loans and leases to core deposits | 74.1047% | 2,874 |
| Total domestic deposits to total assets | 82.4100% | 3,157 |
| Equity capital to assets | 7.8694% | 3,297 |
| Core capital (leverage) ratio | 10.2580% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,287,216,333 | 495 |
| Average earning assets | $2,140,728,667 | 484 |
| Average equity | $183,983,333 | 565 |
| Average total loans | $1,305,670,333 | 567 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,178 |
| Cost of funding earning assets | 1.1448% | 1,615 |
| Net interest margin | 2.9882% | 3,630 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.9596% | 3,713 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9545% | 2,674 |
| Return on assets (ROA) | 0.9545% | 2,638 |
| Pretax return on assets | 1.3224% | 2,110 |
| Return on Equity (ROE) | 11.7300% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.9457% | 2,507 |
| Net charge-offs to loans | 0.0361% | 1,013 |
| Credit loss provision to net charge-offs | 229.3103% | 775 |
| Earnings coverage of net charge-offs (x) | 66.1552% | 970 |
| Efficiency ratio | 58.3798% | 3,149 |
| Assets per employee ($millions) | 8.3833% | 1,173 |
| Cash dividends to net income (ytd only)* | 40.7892% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,652 |
| Loan loss allowance to noncurrent loans | 228.2893% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,103 |
| Noncurrent loans to loans | 0.6097% | 1,226 |
| Net loans and leases to total assets | 56.5900% | 2,996 |
| Net loans and leases to deposits | 66.1846% | 2,919 |
| Net loans and leases to core deposits | 71.8659% | 2,826 |
| Total domestic deposits to total assets | 85.5100% | 2,722 |
| Equity capital to assets | 8.1519% | 3,138 |
| Core capital (leverage) ratio | 10.2971% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,240,813,000 | 510 |
| Average earning assets | $2,098,519,500 | 498 |
| Average equity | $182,328,500 | 579 |
| Average total loans | $1,286,059,500 | 583 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 2,488 |
| Cost of funding earning assets | 0.3905% | 2,173 |
| Net interest margin | 3.3240% | 2,497 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.9526% | 3,708 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3109% | 1,392 |
| Return on assets (ROA) | 1.3109% | 1,358 |
| Pretax return on assets | 1.7012% | 914 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.1364% | 491 |
| Net charge-offs to loans | 0.0192% | 1,717 |
| Credit loss provision to net charge-offs | 748.8987% | 522 |
| Earnings coverage of net charge-offs (x) | 168.7313% | 732 |
| Efficiency ratio | 51.8671% | 3,988 |
| Assets per employee ($millions) | 8.0354% | 1,301 |
| Cash dividends to net income (ytd only)* | 14.6387% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,510 |
| Loan loss allowance to noncurrent loans | 170.3298% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,015 |
| Noncurrent loans to loans | 0.6909% | 1,083 |
| Net loans and leases to total assets | 56.7200% | 2,945 |
| Net loans and leases to deposits | 64.7080% | 2,979 |
| Net loans and leases to core deposits | 69.2222% | 2,929 |
| Total domestic deposits to total assets | 87.6500% | 2,194 |
| Equity capital to assets | 8.1211% | 2,980 |
| Core capital (leverage) ratio | 10.4086% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,151,588,000 | 519 |
| Average earning assets | $2,029,539,800 | 501 |
| Average equity | $183,284,400 | 568 |
| Average total loans | $1,185,180,000 | 587 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 2,284 |
| Cost of funding earning assets | 0.2692% | 2,497 |
| Net interest margin | 3.3517% | 2,130 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.8616% | 3,839 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3170% | 1,297 |
| Return on assets (ROA) | 1.3170% | 1,270 |
| Pretax return on assets | 1.7107% | 881 |
| Return on Equity (ROE) | 15.2800% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.2886% | 730 |
| Net charge-offs to loans | -0.0106% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.1577% | 4,151 |
| Assets per employee ($millions) | 8.0537% | 1,295 |
| Cash dividends to net income (ytd only)* | 19.5595% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,375 |
| Loan loss allowance to noncurrent loans | 208.3926% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 1,208 |
| Noncurrent loans to loans | 0.5893% | 1,367 |
| Net loans and leases to total assets | 56.3900% | 2,865 |
| Net loans and leases to deposits | 63.3583% | 2,914 |
| Net loans and leases to core deposits | 65.3502% | 2,997 |
| Total domestic deposits to total assets | 89.0000% | 2,090 |
| Equity capital to assets | 7.6715% | 3,106 |
| Core capital (leverage) ratio | 10.1717% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,137,050,000 | 518 |
| Average earning assets | $2,019,800,750 | 501 |
| Average equity | $184,241,750 | 572 |
| Average total loans | $1,164,405,750 | 592 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 2,156 |
| Cost of funding earning assets | 0.2141% | 2,717 |
| Net interest margin | 3.2828% | 1,958 |
| Noninterest income to average assets | 0.5134% | 2,126 |
| Noninterest expense to average assets | 1.7935% | 3,971 |
| Loan and lease loss provision to assets | 0.1412% | 676 |
| Net operating income to assets | 1.2608% | 1,250 |
| Return on assets (ROA) | 1.2608% | 1,232 |
| Pretax return on assets | 1.6900% | 770 |
| Return on Equity (ROE) | 14.0942% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.0011% | 605 |
| Net charge-offs to loans | -0.0053% | 3,361 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0170% | 4,309 |
| Assets per employee ($millions) | 8.2604% | 1,170 |
| Cash dividends to net income (ytd only)* | 14.8510% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,455 |
| Loan loss allowance to noncurrent loans | 197.0669% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 1,238 |
| Noncurrent loans to loans | 0.6315% | 1,346 |
| Net loans and leases to total assets | 54.3131% | 2,928 |
| Net loans and leases to deposits | 60.4611% | 3,022 |
| Net loans and leases to core deposits | 62.2182% | 3,097 |
| Total domestic deposits to total assets | 89.8316% | 1,781 |
| Equity capital to assets | 7.7533% | 3,302 |
| Core capital (leverage) ratio | 10.0030% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,124,569,667 | 516 |
| Average earning assets | $2,013,579,000 | 505 |
| Average equity | $190,050,000 | 563 |
| Average total loans | $1,138,750,333 | 592 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 2,001 |
| Cost of funding earning assets | 0.2153% | 2,595 |
| Net interest margin | 3.2154% | 1,834 |
| Noninterest income to average assets | 0.5464% | 1,921 |
| Noninterest expense to average assets | 1.9031% | 3,676 |
| Loan and lease loss provision to assets | 0.0956% | 865 |
| Net operating income to assets | 1.1654% | 1,341 |
| Return on assets (ROA) | 1.1654% | 1,337 |
| Pretax return on assets | 1.6076% | 816 |
| Return on Equity (ROE) | 12.1789% | 1,258 |
| Retained earnings to average equity (ytd only) | 8.2052% | 1,519 |
| Net charge-offs to loans | -0.0141% | 3,738 |
| Credit loss provision to net charge-offs | -1,282.0513% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2954% | 4,180 |
| Assets per employee ($millions) | 8.2165% | 1,246 |
| Cash dividends to net income (ytd only)* | 32.6280% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,654 |
| Loan loss allowance to noncurrent loans | 179.7662% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,307 |
| Noncurrent loans to loans | 0.6892% | 1,375 |
| Net loans and leases to total assets | 51.6155% | 3,016 |
| Net loans and leases to deposits | 57.3420% | 3,143 |
| Net loans and leases to core deposits | 59.0377% | 3,236 |
| Total domestic deposits to total assets | 90.0134% | 1,556 |
| Equity capital to assets | 8.7092% | 2,966 |
| Core capital (leverage) ratio | 10.2630% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,092,348,500 | 524 |
| Average earning assets | $1,991,193,000 | 514 |
| Average equity | $200,214,500 | 546 |
| Average total loans | $1,106,173,500 | 600 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 2,319 |
| Cost of funding earning assets | 0.2568% | 2,848 |
| Net interest margin | 3.3690% | 2,117 |
| Noninterest income to average assets | 0.6666% | 1,880 |
| Noninterest expense to average assets | 1.8598% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5462% | 923 |
| Return on assets (ROA) | 1.5474% | 956 |
| Pretax return on assets | 2.0150% | 586 |
| Return on Equity (ROE) | 14.6606% | 1,031 |
| Retained earnings to average equity (ytd only) | 12.6789% | 442 |
| Net charge-offs to loans | 0.0027% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,427.8148% | 102 |
| Efficiency ratio | 47.5357% | 4,434 |
| Assets per employee ($millions) | 7.9053% | 1,383 |
| Cash dividends to net income (ytd only)* | 13.5176% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,663 |
| Loan loss allowance to noncurrent loans | 216.3905% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 1,559 |
| Noncurrent loans to loans | 0.5741% | 1,703 |
| Net loans and leases to total assets | 52.8483% | 2,973 |
| Net loans and leases to deposits | 59.8114% | 3,094 |
| Net loans and leases to core deposits | 61.7374% | 3,190 |
| Total domestic deposits to total assets | 88.3582% | 1,849 |
| Equity capital to assets | 10.4868% | 2,188 |
| Core capital (leverage) ratio | 10.2347% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,914,653,600 | 559 |
| Average earning assets | $1,822,405,200 | 541 |
| Average equity | $202,092,400 | 536 |
| Average total loans | $1,014,614,200 | 648 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 2,430 |
| Cost of funding earning assets | 0.2646% | 2,962 |
| Net interest margin | 3.3818% | 2,206 |
| Noninterest income to average assets | 0.6344% | 2,075 |
| Noninterest expense to average assets | 1.8301% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5419% | 1,168 |
| Return on assets (ROA) | 1.5435% | 1,209 |
| Pretax return on assets | 2.0228% | 766 |
| Return on Equity (ROE) | 14.5979% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.9220% | 850 |
| Net charge-offs to loans | -0.0003% | 3,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0355% | 4,442 |
| Assets per employee ($millions) | 7.9976% | 1,270 |
| Cash dividends to net income (ytd only)* | 18.3304% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,554 |
| Loan loss allowance to noncurrent loans | 203.2564% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,717 |
| Noncurrent loans to loans | 0.6333% | 1,728 |
| Net loans and leases to total assets | 50.8943% | 3,307 |
| Net loans and leases to deposits | 57.5864% | 3,441 |
| Net loans and leases to core deposits | 59.4342% | 3,516 |
| Total domestic deposits to total assets | 88.3790% | 1,628 |
| Equity capital to assets | 10.2719% | 2,640 |
| Core capital (leverage) ratio | 10.3545% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,887,378,250 | 570 |
| Average earning assets | $1,795,091,250 | 554 |
| Average equity | $199,558,500 | 548 |
| Average total loans | $997,524,500 | 674 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 2,358 |
| Cost of funding earning assets | 0.2806% | 2,968 |
| Net interest margin | 3.4116% | 2,104 |
| Noninterest income to average assets | 0.6635% | 1,956 |
| Noninterest expense to average assets | 1.7949% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5916% | 1,066 |
| Return on assets (ROA) | 1.5941% | 1,115 |
| Pretax return on assets | 2.1139% | 669 |
| Return on Equity (ROE) | 14.9203% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.9816% | 719 |
| Net charge-offs to loans | -0.0029% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4606% | 4,542 |
| Assets per employee ($millions) | 7.6928% | 1,368 |
| Cash dividends to net income (ytd only)* | 12.9937% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,345 |
| Loan loss allowance to noncurrent loans | 197.3384% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 1,771 |
| Noncurrent loans to loans | 0.6684% | 1,753 |
| Net loans and leases to total assets | 51.6698% | 3,375 |
| Net loans and leases to deposits | 58.3986% | 3,509 |
| Net loans and leases to core deposits | 60.3522% | 3,596 |
| Total domestic deposits to total assets | 88.4778% | 1,575 |
| Equity capital to assets | 10.3220% | 2,560 |
| Core capital (leverage) ratio | 10.3249% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,839,373,333 | 577 |
| Average earning assets | $1,747,954,000 | 557 |
| Average equity | $196,523,667 | 552 |
| Average total loans | $980,917,667 | 683 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 2,138 |
| Cost of funding earning assets | 0.2980% | 3,016 |
| Net interest margin | 3.4873% | 1,857 |
| Noninterest income to average assets | 0.7245% | 1,791 |
| Noninterest expense to average assets | 1.8875% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6392% | 1,039 |
| Return on assets (ROA) | 1.6392% | 1,093 |
| Pretax return on assets | 2.1465% | 748 |
| Return on Equity (ROE) | 15.0622% | 1,194 |
| Retained earnings to average equity (ytd only) | 11.1332% | 1,370 |
| Net charge-offs to loans | -0.0021% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2942% | 4,447 |
| Assets per employee ($millions) | 7.5602% | 1,418 |
| Cash dividends to net income (ytd only)* | 26.0852% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,078 |
| Loan loss allowance to noncurrent loans | 183.2450% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 1,824 |
| Noncurrent loans to loans | 0.7508% | 1,737 |
| Net loans and leases to total assets | 51.3541% | 3,507 |
| Net loans and leases to deposits | 58.1307% | 3,640 |
| Net loans and leases to core deposits | 59.9975% | 3,700 |
| Total domestic deposits to total assets | 88.3425% | 1,684 |
| Equity capital to assets | 10.3708% | 2,378 |
| Core capital (leverage) ratio | 10.8297% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,782,079,000 | 585 |
| Average earning assets | $1,691,182,500 | 565 |
| Average equity | $193,942,000 | 550 |
| Average total loans | $959,825,500 | 697 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,506 |
| Cost of funding earning assets | 0.4720% | 3,138 |
| Net interest margin | 3.9540% | 1,079 |
| Noninterest income to average assets | 0.7455% | 1,705 |
| Noninterest expense to average assets | 2.2345% | 3,577 |
| Loan and lease loss provision to assets | 0.2906% | 1,305 |
| Net operating income to assets | 1.4634% | 892 |
| Return on assets (ROA) | 1.4724% | 948 |
| Pretax return on assets | 1.9431% | 511 |
| Return on Equity (ROE) | 12.1273% | 1,290 |
| Retained earnings to average equity (ytd only) | 9.8981% | 605 |
| Net charge-offs to loans | 0.0176% | 2,741 |
| Credit loss provision to net charge-offs | 2,704.4025% | 357 |
| Earnings coverage of net charge-offs (x) | 206.8113% | 457 |
| Efficiency ratio | 49.5997% | 4,560 |
| Assets per employee ($millions) | 7.0363% | 1,562 |
| Cash dividends to net income (ytd only)* | 18.3817% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,830 |
| Loan loss allowance to noncurrent loans | 170.6977% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 1,668 |
| Noncurrent loans to loans | 0.8406% | 1,670 |
| Net loans and leases to total assets | 55.0614% | 3,383 |
| Net loans and leases to deposits | 63.1148% | 3,511 |
| Net loans and leases to core deposits | 65.4640% | 3,585 |
| Total domestic deposits to total assets | 87.2400% | 1,826 |
| Equity capital to assets | 11.4562% | 1,918 |
| Core capital (leverage) ratio | 11.1299% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,479,725,600 | 625 |
| Average earning assets | $1,388,883,800 | 605 |
| Average equity | $179,660,200 | 560 |
| Average total loans | $904,422,200 | 709 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,684 |
| Cost of funding earning assets | 0.5122% | 3,151 |
| Net interest margin | 3.9451% | 1,247 |
| Noninterest income to average assets | 0.7938% | 1,521 |
| Noninterest expense to average assets | 2.2256% | 3,620 |
| Loan and lease loss provision to assets | 0.4011% | 877 |
| Net operating income to assets | 1.3990% | 1,100 |
| Return on assets (ROA) | 1.4114% | 1,167 |
| Pretax return on assets | 1.8779% | 667 |
| Return on Equity (ROE) | 11.4351% | 1,535 |
| Retained earnings to average equity (ytd only) | 8.4082% | 1,173 |
| Net charge-offs to loans | 0.0088% | 2,795 |
| Credit loss provision to net charge-offs | 7,288.1356% | 158 |
| Earnings coverage of net charge-offs (x) | 411.2034% | 282 |
| Efficiency ratio | 49.0274% | 4,553 |
| Assets per employee ($millions) | 6.7556% | 1,649 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,690 |
| Loan loss allowance to noncurrent loans | 160.2927% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 1,660 |
| Noncurrent loans to loans | 0.8811% | 1,697 |
| Net loans and leases to total assets | 59.2096% | 3,303 |
| Net loans and leases to deposits | 68.0265% | 3,461 |
| Net loans and leases to core deposits | 70.6579% | 3,579 |
| Total domestic deposits to total assets | 87.0390% | 1,654 |
| Equity capital to assets | 11.5971% | 1,939 |
| Core capital (leverage) ratio | 11.5216% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,429,238,750 | 626 |
| Average earning assets | $1,338,650,750 | 613 |
| Average equity | $176,411,250 | 565 |
| Average total loans | $895,669,750 | 709 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,693 |
| Cost of funding earning assets | 0.5635% | 3,162 |
| Net interest margin | 4.0173% | 1,276 |
| Noninterest income to average assets | 0.7542% | 1,566 |
| Noninterest expense to average assets | 2.2552% | 3,643 |
| Loan and lease loss provision to assets | 0.5540% | 600 |
| Net operating income to assets | 1.1628% | 1,754 |
| Return on assets (ROA) | 1.1821% | 1,824 |
| Pretax return on assets | 1.7215% | 954 |
| Return on Equity (ROE) | 9.3571% | 2,221 |
| Retained earnings to average equity (ytd only) | 6.2958% | 1,942 |
| Net charge-offs to loans | 0.0142% | 2,468 |
| Credit loss provision to net charge-offs | 6,129.0323% | 188 |
| Earnings coverage of net charge-offs (x) | 249.0484% | 372 |
| Efficiency ratio | 49.8010% | 4,514 |
| Assets per employee ($millions) | 6.4760% | 1,805 |
| Cash dividends to net income (ytd only)* | 32.7167% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 1,651 |
| Loan loss allowance to noncurrent loans | 133.6024% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 1,523 |
| Noncurrent loans to loans | 1.0337% | 1,507 |
| Net loans and leases to total assets | 60.5874% | 3,258 |
| Net loans and leases to deposits | 69.8920% | 3,430 |
| Net loans and leases to core deposits | 72.7184% | 3,543 |
| Total domestic deposits to total assets | 86.6873% | 1,736 |
| Equity capital to assets | 11.6491% | 1,871 |
| Core capital (leverage) ratio | 11.9590% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,371,959,000 | 640 |
| Average earning assets | $1,281,311,667 | 623 |
| Average equity | $173,322,333 | 569 |
| Average total loans | $873,702,333 | 716 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 1,085 |
| Cost of funding earning assets | 0.6421% | 3,210 |
| Net interest margin | 4.2986% | 761 |
| Noninterest income to average assets | 0.6861% | 1,695 |
| Noninterest expense to average assets | 2.3643% | 3,617 |
| Loan and lease loss provision to assets | 0.4661% | 637 |
| Net operating income to assets | 1.2567% | 1,363 |
| Return on assets (ROA) | 1.2631% | 1,441 |
| Pretax return on assets | 1.8535% | 621 |
| Return on Equity (ROE) | 9.5529% | 1,890 |
| Retained earnings to average equity (ytd only) | 3.6190% | 2,838 |
| Net charge-offs to loans | 0.0416% | 1,621 |
| Credit loss provision to net charge-offs | 1,724.1379% | 378 |
| Earnings coverage of net charge-offs (x) | 85.5057% | 647 |
| Efficiency ratio | 50.3123% | 4,649 |
| Assets per employee ($millions) | 5.6948% | 1,932 |
| Cash dividends to net income (ytd only)* | 62.1156% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,358 |
| Loan loss allowance to noncurrent loans | 181.6830% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 2,126 |
| Noncurrent loans to loans | 0.6914% | 2,268 |
| Net loans and leases to total assets | 64.2512% | 3,042 |
| Net loans and leases to deposits | 75.5971% | 3,107 |
| Net loans and leases to core deposits | 79.1095% | 3,279 |
| Total domestic deposits to total assets | 84.9916% | 2,413 |
| Equity capital to assets | 12.9961% | 1,432 |
| Core capital (leverage) ratio | 13.2764% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,287,296,000 | 650 |
| Average earning assets | $1,194,807,000 | 643 |
| Average equity | $170,210,500 | 581 |
| Average total loans | $837,102,500 | 716 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 1,042 |
| Cost of funding earning assets | 0.6622% | 3,349 |
| Net interest margin | 4.5179% | 695 |
| Noninterest income to average assets | 0.6595% | 1,968 |
| Noninterest expense to average assets | 2.5042% | 3,439 |
| Loan and lease loss provision to assets | 0.1668% | 1,250 |
| Net operating income to assets | 1.6660% | 718 |
| Return on assets (ROA) | 1.7044% | 695 |
| Pretax return on assets | 2.2266% | 366 |
| Return on Equity (ROE) | 12.7569% | 1,255 |
| Retained earnings to average equity (ytd only) | 10.0113% | 485 |
| Net charge-offs to loans | 0.2565% | 805 |
| Credit loss provision to net charge-offs | 99.3049% | 2,513 |
| Earnings coverage of net charge-offs (x) | 13.9618% | 2,314 |
| Efficiency ratio | 51.4024% | 4,647 |
| Assets per employee ($millions) | 5.5467% | 2,024 |
| Cash dividends to net income (ytd only)* | 21.5226% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,739 |
| Loan loss allowance to noncurrent loans | 147.2796% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 1,880 |
| Noncurrent loans to loans | 0.7750% | 1,963 |
| Net loans and leases to total assets | 64.2439% | 3,167 |
| Net loans and leases to deposits | 76.0121% | 3,179 |
| Net loans and leases to core deposits | 79.2932% | 3,357 |
| Total domestic deposits to total assets | 84.5180% | 2,675 |
| Equity capital to assets | 13.4587% | 1,295 |
| Core capital (leverage) ratio | 13.2417% | 1,138 |
| Tier 1 risk-based capital ratio | 17.6450% | 1,853 |
| Total risk-based capital ratio | 18.6894% | 1,869 |
| Memoranda: | ||
| Average total assets | $1,199,207,400 | 661 |
| Average earning assets | $1,112,027,200 | 654 |
| Average equity | $160,219,600 | 587 |
| Average total loans | $785,275,800 | 725 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 1,002 |
| Cost of funding earning assets | 0.6571% | 3,416 |
| Net interest margin | 4.5608% | 671 |
| Noninterest income to average assets | 0.6889% | 1,831 |
| Noninterest expense to average assets | 2.4769% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8734% | 531 |
| Return on assets (ROA) | 1.9250% | 485 |
| Pretax return on assets | 2.5122% | 244 |
| Return on Equity (ROE) | 14.4366% | 902 |
| Retained earnings to average equity (ytd only) | 11.1512% | 494 |
| Net charge-offs to loans | 0.0177% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 210.9999% | 428 |
| Efficiency ratio | 50.0720% | 4,738 |
| Assets per employee ($millions) | 5.5794% | 1,956 |
| Cash dividends to net income (ytd only)* | 22.7570% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,835 |
| Loan loss allowance to noncurrent loans | 79.6384% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,105 |
| Noncurrent loans to loans | 1.4301% | 1,063 |
| Net loans and leases to total assets | 64.2448% | 3,263 |
| Net loans and leases to deposits | 76.0781% | 3,284 |
| Net loans and leases to core deposits | 79.1613% | 3,455 |
| Total domestic deposits to total assets | 84.4459% | 2,650 |
| Equity capital to assets | 13.3266% | 1,452 |
| Core capital (leverage) ratio | 13.4197% | 1,158 |
| Tier 1 risk-based capital ratio | 17.3235% | 1,990 |
| Total risk-based capital ratio | 18.3577% | 2,002 |
| Memoranda: | ||
| Average total assets | $1,184,234,500 | 668 |
| Average earning assets | $1,099,604,500 | 662 |
| Average equity | $157,910,000 | 594 |
| Average total loans | $777,036,500 | 733 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 981 |
| Cost of funding earning assets | 0.6548% | 3,383 |
| Net interest margin | 4.5460% | 692 |
| Noninterest income to average assets | 0.6906% | 1,752 |
| Noninterest expense to average assets | 2.5642% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7924% | 606 |
| Return on assets (ROA) | 1.8037% | 613 |
| Pretax return on assets | 2.3655% | 307 |
| Return on Equity (ROE) | 13.5240% | 1,096 |
| Retained earnings to average equity (ytd only) | 11.0909% | 533 |
| Net charge-offs to loans | 0.0107% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 333.2927% | 232 |
| Efficiency ratio | 51.9427% | 4,658 |
| Assets per employee ($millions) | 5.5923% | 1,879 |
| Cash dividends to net income (ytd only)* | 17.9910% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,700 |
| Loan loss allowance to noncurrent loans | 88.8465% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 1,237 |
| Noncurrent loans to loans | 1.3112% | 1,199 |
| Net loans and leases to total assets | 65.1032% | 3,223 |
| Net loans and leases to deposits | 76.8463% | 3,254 |
| Net loans and leases to core deposits | 79.8326% | 3,439 |
| Total domestic deposits to total assets | 84.7187% | 2,590 |
| Equity capital to assets | 13.3422% | 1,411 |
| Core capital (leverage) ratio | 13.3880% | 1,155 |
| Tier 1 risk-based capital ratio | 17.2533% | 2,011 |
| Total risk-based capital ratio | 18.3202% | 2,015 |
| Memoranda: | ||
| Average total assets | $1,162,383,330 | 679 |
| Average earning assets | $1,080,253,000 | 671 |
| Average equity | $155,028,670 | 599 |
| Average total loans | $765,324,000 | 748 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 979 |
| Cost of funding earning assets | 0.6454% | 3,340 |
| Net interest margin | 4.5151% | 718 |
| Noninterest income to average assets | 0.6685% | 1,734 |
| Noninterest expense to average assets | 2.4577% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8666% | 490 |
| Return on assets (ROA) | 1.8666% | 506 |
| Pretax return on assets | 2.4050% | 294 |
| Return on Equity (ROE) | 13.9985% | 971 |
| Retained earnings to average equity (ytd only) | 9.0219% | 1,312 |
| Net charge-offs to loans | 0.0118% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 310.6818% | 263 |
| Efficiency ratio | 50.5427% | 4,789 |
| Assets per employee ($millions) | 5.5738% | 1,912 |
| Cash dividends to net income (ytd only)* | 35.5514% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,591 |
| Loan loss allowance to noncurrent loans | 74.2146% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 962 |
| Noncurrent loans to loans | 1.6143% | 979 |
| Net loans and leases to total assets | 64.5139% | 3,226 |
| Net loans and leases to deposits | 76.5184% | 3,212 |
| Net loans and leases to core deposits | 79.7170% | 3,397 |
| Total domestic deposits to total assets | 84.3116% | 2,941 |
| Equity capital to assets | 12.9400% | 1,489 |
| Core capital (leverage) ratio | 13.1556% | 1,201 |
| Tier 1 risk-based capital ratio | 16.6774% | 2,203 |
| Total risk-based capital ratio | 17.7470% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,136,813,500 | 698 |
| Average earning assets | $1,056,016,000 | 687 |
| Average equity | $151,587,500 | 611 |
| Average total loans | $748,309,000 | 764 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 1,431 |
| Cost of funding earning assets | 0.4745% | 3,519 |
| Net interest margin | 4.3729% | 997 |
| Noninterest income to average assets | 0.8607% | 1,290 |
| Noninterest expense to average assets | 2.3307% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0016% | 360 |
| Return on assets (ROA) | 2.0016% | 357 |
| Pretax return on assets | 2.6033% | 168 |
| Return on Equity (ROE) | 14.9866% | 833 |
| Retained earnings to average equity (ytd only) | 12.6771% | 265 |
| Net charge-offs to loans | 0.0338% | 2,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 116.2747% | 662 |
| Efficiency ratio | 47.2374% | 5,078 |
| Assets per employee ($millions) | 5.3507% | 2,107 |
| Cash dividends to net income (ytd only)* | 15.4105% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,026 |
| Loan loss allowance to noncurrent loans | 155.4429% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 2,199 |
| Noncurrent loans to loans | 0.8383% | 1,931 |
| Net loans and leases to total assets | 65.5435% | 3,196 |
| Net loans and leases to deposits | 78.0364% | 3,163 |
| Net loans and leases to core deposits | 81.3110% | 3,324 |
| Total domestic deposits to total assets | 83.9909% | 3,000 |
| Equity capital to assets | 13.7697% | 1,040 |
| Core capital (leverage) ratio | 13.9527% | 933 |
| Tier 1 risk-based capital ratio | 17.8900% | 1,787 |
| Total risk-based capital ratio | 19.0522% | 1,767 |
| Memoranda: | ||
| Average total assets | $1,040,666,400 | 741 |
| Average earning assets | $969,383,800 | 728 |
| Average equity | $138,990,400 | 625 |
| Average total loans | $688,635,400 | 799 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 1,436 |
| Cost of funding earning assets | 0.4478% | 3,532 |
| Net interest margin | 4.3494% | 1,013 |
| Noninterest income to average assets | 0.8058% | 1,454 |
| Noninterest expense to average assets | 2.2641% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9691% | 412 |
| Return on assets (ROA) | 1.9691% | 406 |
| Pretax return on assets | 2.5978% | 196 |
| Return on Equity (ROE) | 14.8641% | 900 |
| Retained earnings to average equity (ytd only) | 11.7294% | 516 |
| Net charge-offs to loans | 0.0113% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 346.2304% | 272 |
| Efficiency ratio | 46.5675% | 5,122 |
| Assets per employee ($millions) | 5.6571% | 1,770 |
| Cash dividends to net income (ytd only)* | 21.0893% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,744 |
| Loan loss allowance to noncurrent loans | 331.4087% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,620 |
| Noncurrent loans to loans | 0.4191% | 3,154 |
| Net loans and leases to total assets | 62.6030% | 3,586 |
| Net loans and leases to deposits | 73.9798% | 3,595 |
| Net loans and leases to core deposits | 77.3484% | 3,707 |
| Total domestic deposits to total assets | 84.6218% | 2,752 |
| Equity capital to assets | 13.1397% | 1,276 |
| Core capital (leverage) ratio | 13.8073% | 995 |
| Tier 1 risk-based capital ratio | 18.1783% | 1,748 |
| Total risk-based capital ratio | 19.4267% | 1,697 |
| Memoranda: | ||
| Average total assets | $1,030,623,500 | 745 |
| Average earning assets | $961,120,000 | 732 |
| Average equity | $136,531,000 | 630 |
| Average total loans | $681,351,250 | 812 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 1,335 |
| Cost of funding earning assets | 0.4329% | 3,476 |
| Net interest margin | 4.3342% | 968 |
| Noninterest income to average assets | 0.8099% | 1,444 |
| Noninterest expense to average assets | 2.2996% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9270% | 438 |
| Return on assets (ROA) | 1.9270% | 436 |
| Pretax return on assets | 2.5542% | 204 |
| Return on Equity (ROE) | 14.5046% | 956 |
| Retained earnings to average equity (ytd only) | 12.2628% | 481 |
| Net charge-offs to loans | 0.0068% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 563.0435% | 161 |
| Efficiency ratio | 47.3770% | 5,150 |
| Assets per employee ($millions) | 5.4300% | 1,961 |
| Cash dividends to net income (ytd only)* | 15.4555% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,831 |
| Loan loss allowance to noncurrent loans | 291.0225% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,504 |
| Noncurrent loans to loans | 0.4726% | 3,016 |
| Net loans and leases to total assets | 65.7785% | 3,179 |
| Net loans and leases to deposits | 77.7053% | 3,184 |
| Net loans and leases to core deposits | 80.8216% | 3,339 |
| Total domestic deposits to total assets | 84.6513% | 2,818 |
| Equity capital to assets | 13.2949% | 1,186 |
| Core capital (leverage) ratio | 13.8705% | 942 |
| Tier 1 risk-based capital ratio | 18.1352% | 1,767 |
| Total risk-based capital ratio | 19.3856% | 1,721 |
| Memoranda: | ||
| Average total assets | $1,013,997,670 | 754 |
| Average earning assets | $946,100,330 | 743 |
| Average equity | $134,716,330 | 634 |
| Average total loans | $679,817,000 | 810 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 1,164 |
| Cost of funding earning assets | 0.4208% | 3,436 |
| Net interest margin | 4.3400% | 879 |
| Noninterest income to average assets | 0.7934% | 1,481 |
| Noninterest expense to average assets | 2.3755% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8477% | 515 |
| Return on assets (ROA) | 1.8477% | 515 |
| Pretax return on assets | 2.4659% | 230 |
| Return on Equity (ROE) | 13.9127% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.3635% | 1,342 |
| Net charge-offs to loans | -0.0107% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0661% | 5,134 |
| Assets per employee ($millions) | 5.3888% | 2,048 |
| Cash dividends to net income (ytd only)* | 32.6981% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,867 |
| Loan loss allowance to noncurrent loans | 255.2485% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 3,352 |
| Noncurrent loans to loans | 0.5460% | 2,890 |
| Net loans and leases to total assets | 66.7298% | 2,936 |
| Net loans and leases to deposits | 79.1006% | 2,906 |
| Net loans and leases to core deposits | 82.2823% | 3,119 |
| Total domestic deposits to total assets | 84.3606% | 3,164 |
| Equity capital to assets | 13.1182% | 1,185 |
| Core capital (leverage) ratio | 13.8169% | 914 |
| Tier 1 risk-based capital ratio | 17.4446% | 1,994 |
| Total risk-based capital ratio | 18.6950% | 1,946 |
| Memoranda: | ||
| Average total assets | $999,712,500 | 765 |
| Average earning assets | $932,440,000 | 752 |
| Average equity | $132,770,500 | 642 |
| Average total loans | $672,051,000 | 818 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 1,517 |
| Cost of funding earning assets | 0.3771% | 3,446 |
| Net interest margin | 4.1915% | 1,207 |
| Noninterest income to average assets | 0.9182% | 1,221 |
| Noninterest expense to average assets | 2.3148% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4011% | 1,017 |
| Return on assets (ROA) | 1.4021% | 1,031 |
| Pretax return on assets | 2.4969% | 179 |
| Return on Equity (ROE) | 10.6444% | 1,616 |
| Retained earnings to average equity (ytd only) | 8.0376% | 752 |
| Net charge-offs to loans | -0.0361% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1238% | 5,311 |
| Assets per employee ($millions) | 5.1629% | 2,301 |
| Cash dividends to net income (ytd only)* | 24.4901% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 1,532 |
| Loan loss allowance to noncurrent loans | 310.0259% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,616 |
| Noncurrent loans to loans | 0.4722% | 3,092 |
| Net loans and leases to total assets | 65.7816% | 3,127 |
| Net loans and leases to deposits | 77.6206% | 3,160 |
| Net loans and leases to core deposits | 80.5415% | 3,379 |
| Total domestic deposits to total assets | 84.7476% | 2,927 |
| Equity capital to assets | 13.4497% | 1,080 |
| Core capital (leverage) ratio | 13.6390% | 926 |
| Tier 1 risk-based capital ratio | 18.1852% | 1,750 |
| Total risk-based capital ratio | 19.4367% | 1,702 |
| Memoranda: | ||
| Average total assets | $965,131,800 | 767 |
| Average earning assets | $896,144,800 | 755 |
| Average equity | $127,127,400 | 648 |
| Average total loans | $619,722,200 | 846 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,571 |
| Cost of funding earning assets | 0.3748% | 3,420 |
| Net interest margin | 4.1518% | 1,274 |
| Noninterest income to average assets | 0.9046% | 1,261 |
| Noninterest expense to average assets | 2.2502% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6319% | 660 |
| Return on assets (ROA) | 1.6332% | 681 |
| Pretax return on assets | 2.5089% | 203 |
| Return on Equity (ROE) | 12.4663% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.9574% | 854 |
| Net charge-offs to loans | -0.0550% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3027% | 5,375 |
| Assets per employee ($millions) | 5.2161% | 2,210 |
| Cash dividends to net income (ytd only)* | 28.1468% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,574 |
| Loan loss allowance to noncurrent loans | 235.0611% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,359 |
| Noncurrent loans to loans | 0.6336% | 2,807 |
| Net loans and leases to total assets | 64.8421% | 3,275 |
| Net loans and leases to deposits | 77.3226% | 3,241 |
| Net loans and leases to core deposits | 80.3561% | 3,424 |
| Total domestic deposits to total assets | 83.8592% | 3,174 |
| Equity capital to assets | 13.3975% | 1,202 |
| Core capital (leverage) ratio | 13.6319% | 985 |
| Tier 1 risk-based capital ratio | 17.9580% | 1,865 |
| Total risk-based capital ratio | 19.2096% | 1,816 |
| Memoranda: | ||
| Average total assets | $961,179,000 | 777 |
| Average earning assets | $891,897,000 | 764 |
| Average equity | $125,925,750 | 657 |
| Average total loans | $610,936,250 | 863 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 1,631 |
| Cost of funding earning assets | 0.3731% | 3,355 |
| Net interest margin | 4.0850% | 1,367 |
| Noninterest income to average assets | 0.8958% | 1,283 |
| Noninterest expense to average assets | 2.2321% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5953% | 716 |
| Return on assets (ROA) | 1.5974% | 732 |
| Pretax return on assets | 2.4563% | 229 |
| Return on Equity (ROE) | 12.2877% | 1,213 |
| Retained earnings to average equity (ytd only) | 9.1356% | 798 |
| Net charge-offs to loans | -0.0073% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6414% | 5,409 |
| Assets per employee ($millions) | 5.1174% | 2,251 |
| Cash dividends to net income (ytd only)* | 25.6525% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,546 |
| Loan loss allowance to noncurrent loans | 260.5219% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,432 |
| Noncurrent loans to loans | 0.5793% | 2,997 |
| Net loans and leases to total assets | 63.6532% | 3,441 |
| Net loans and leases to deposits | 75.8334% | 3,364 |
| Net loans and leases to core deposits | 78.8245% | 3,518 |
| Total domestic deposits to total assets | 83.9381% | 3,221 |
| Equity capital to assets | 13.3666% | 1,202 |
| Core capital (leverage) ratio | 13.3869% | 1,026 |
| Tier 1 risk-based capital ratio | 17.9241% | 1,876 |
| Total risk-based capital ratio | 19.1757% | 1,828 |
| Memoranda: | ||
| Average total assets | $954,694,670 | 783 |
| Average earning assets | $885,639,330 | 776 |
| Average equity | $124,107,670 | 668 |
| Average total loans | $599,423,000 | 880 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 1,566 |
| Cost of funding earning assets | 0.3616% | 3,393 |
| Net interest margin | 4.0648% | 1,312 |
| Noninterest income to average assets | 0.8505% | 1,395 |
| Noninterest expense to average assets | 2.2040% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6585% | 598 |
| Return on assets (ROA) | 1.6606% | 607 |
| Pretax return on assets | 2.4177% | 247 |
| Return on Equity (ROE) | 12.9588% | 1,007 |
| Retained earnings to average equity (ytd only) | 8.7213% | 1,177 |
| Net charge-offs to loans | -0.0612% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7188% | 5,480 |
| Assets per employee ($millions) | 5.2002% | 2,187 |
| Cash dividends to net income (ytd only)* | 32.7001% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 1,447 |
| Loan loss allowance to noncurrent loans | 190.9109% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,958 |
| Noncurrent loans to loans | 0.8240% | 2,396 |
| Net loans and leases to total assets | 62.1468% | 3,515 |
| Net loans and leases to deposits | 73.2527% | 3,477 |
| Net loans and leases to core deposits | 76.2190% | 3,635 |
| Total domestic deposits to total assets | 84.8389% | 3,148 |
| Equity capital to assets | 12.9812% | 1,264 |
| Core capital (leverage) ratio | 13.2653% | 1,052 |
| Tier 1 risk-based capital ratio | 17.6685% | 1,986 |
| Total risk-based capital ratio | 18.9204% | 1,939 |
| Memoranda: | ||
| Average total assets | $951,003,000 | 792 |
| Average earning assets | $881,628,000 | 780 |
| Average equity | $121,863,000 | 678 |
| Average total loans | $588,246,000 | 892 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,273 |
| Cost of funding earning assets | 0.3794% | 3,213 |
| Net interest margin | 3.8808% | 2,028 |
| Noninterest income to average assets | 0.9441% | 1,282 |
| Noninterest expense to average assets | 2.2574% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5346% | 775 |
| Return on assets (ROA) | 1.4957% | 855 |
| Pretax return on assets | 2.2513% | 297 |
| Return on Equity (ROE) | 11.5867% | 1,368 |
| Retained earnings to average equity (ytd only) | 8.9006% | 606 |
| Net charge-offs to loans | -0.0182% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4211% | 5,510 |
| Assets per employee ($millions) | 5.2218% | 2,144 |
| Cash dividends to net income (ytd only)* | 23.1827% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 1,310 |
| Loan loss allowance to noncurrent loans | 242.8534% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 3,431 |
| Noncurrent loans to loans | 0.6697% | 2,856 |
| Net loans and leases to total assets | 59.5838% | 3,896 |
| Net loans and leases to deposits | 69.9856% | 3,904 |
| Net loans and leases to core deposits | 73.0105% | 4,011 |
| Total domestic deposits to total assets | 85.1372% | 2,984 |
| Equity capital to assets | 12.6469% | 1,431 |
| Core capital (leverage) ratio | 12.8764% | 1,181 |
| Tier 1 risk-based capital ratio | 17.7360% | 1,931 |
| Total risk-based capital ratio | 18.9880% | 1,891 |
| Memoranda: | ||
| Average total assets | $909,604,400 | 791 |
| Average earning assets | $849,277,600 | 773 |
| Average equity | $117,418,800 | 679 |
| Average total loans | $549,450,000 | 905 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,241 |
| Cost of funding earning assets | 0.3840% | 3,188 |
| Net interest margin | 3.8911% | 2,001 |
| Noninterest income to average assets | 0.8605% | 1,546 |
| Noninterest expense to average assets | 2.1713% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5836% | 755 |
| Return on assets (ROA) | 1.5866% | 792 |
| Pretax return on assets | 2.3338% | 294 |
| Return on Equity (ROE) | 12.2255% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.9987% | 819 |
| Net charge-offs to loans | -0.0056% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2444% | 5,585 |
| Assets per employee ($millions) | 5.1805% | 2,160 |
| Cash dividends to net income (ytd only)* | 26.3945% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,338 |
| Loan loss allowance to noncurrent loans | 551.6934% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,460 |
| Noncurrent loans to loans | 0.2980% | 4,186 |
| Net loans and leases to total assets | 58.9168% | 4,001 |
| Net loans and leases to deposits | 69.2416% | 4,042 |
| Net loans and leases to core deposits | 72.0933% | 4,155 |
| Total domestic deposits to total assets | 85.0888% | 2,767 |
| Equity capital to assets | 12.8703% | 1,562 |
| Core capital (leverage) ratio | 13.1977% | 1,111 |
| Tier 1 risk-based capital ratio | 17.7862% | 1,981 |
| Total risk-based capital ratio | 19.0385% | 1,941 |
| Memoranda: | ||
| Average total assets | $899,412,750 | 800 |
| Average earning assets | $841,376,500 | 781 |
| Average equity | $116,725,500 | 685 |
| Average total loans | $542,905,250 | 906 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,298 |
| Cost of funding earning assets | 0.3911% | 3,142 |
| Net interest margin | 3.8691% | 2,086 |
| Noninterest income to average assets | 0.7992% | 1,718 |
| Noninterest expense to average assets | 2.2094% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5100% | 872 |
| Return on assets (ROA) | 1.5127% | 917 |
| Pretax return on assets | 2.2178% | 369 |
| Return on Equity (ROE) | 11.6213% | 1,443 |
| Retained earnings to average equity (ytd only) | 9.0168% | 847 |
| Net charge-offs to loans | 0.0112% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 326.5333% | 208 |
| Efficiency ratio | 49.9489% | 5,563 |
| Assets per employee ($millions) | 5.0747% | 2,228 |
| Cash dividends to net income (ytd only)* | 22.4115% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 1,301 |
| Loan loss allowance to noncurrent loans | 423.8751% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 3,996 |
| Noncurrent loans to loans | 0.3976% | 3,935 |
| Net loans and leases to total assets | 60.2984% | 3,849 |
| Net loans and leases to deposits | 71.4701% | 3,834 |
| Net loans and leases to core deposits | 74.5432% | 3,938 |
| Total domestic deposits to total assets | 84.3686% | 3,131 |
| Equity capital to assets | 13.2895% | 1,335 |
| Core capital (leverage) ratio | 13.2730% | 1,063 |
| Tier 1 risk-based capital ratio | 18.5661% | 1,784 |
| Total risk-based capital ratio | 19.8196% | 1,747 |
| Memoranda: | ||
| Average total assets | $884,933,000 | 817 |
| Average earning assets | $828,936,330 | 796 |
| Average equity | $115,184,670 | 694 |
| Average total loans | $535,612,670 | 915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,418 |
| Cost of funding earning assets | 0.3942% | 3,150 |
| Net interest margin | 3.8202% | 2,222 |
| Noninterest income to average assets | 0.7675% | 1,744 |
| Noninterest expense to average assets | 2.2170% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4537% | 935 |
| Return on assets (ROA) | 1.4577% | 967 |
| Pretax return on assets | 2.1389% | 428 |
| Return on Equity (ROE) | 11.3198% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.3828% | 2,191 |
| Net charge-offs to loans | 0.0257% | 2,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 138.1471% | 429 |
| Efficiency ratio | 50.9657% | 5,567 |
| Assets per employee ($millions) | 5.1381% | 2,198 |
| Cash dividends to net income (ytd only)* | 43.6137% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 1,292 |
| Loan loss allowance to noncurrent loans | 449.5373% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 4,178 |
| Noncurrent loans to loans | 0.3844% | 4,064 |
| Net loans and leases to total assets | 58.7084% | 3,964 |
| Net loans and leases to deposits | 69.4339% | 3,904 |
| Net loans and leases to core deposits | 72.3881% | 4,040 |
| Total domestic deposits to total assets | 84.5530% | 3,295 |
| Equity capital to assets | 12.8299% | 1,490 |
| Core capital (leverage) ratio | 13.1443% | 1,107 |
| Tier 1 risk-based capital ratio | 18.4723% | 1,861 |
| Total risk-based capital ratio | 19.7263% | 1,819 |
| Memoranda: | ||
| Average total assets | $880,826,000 | 826 |
| Average earning assets | $826,022,000 | 805 |
| Average equity | $113,429,500 | 703 |
| Average total loans | $529,526,500 | 926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 2,628 |
| Cost of funding earning assets | 0.4146% | 2,997 |
| Net interest margin | 3.7647% | 2,504 |
| Noninterest income to average assets | 0.8229% | 1,697 |
| Noninterest expense to average assets | 2.2101% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4305% | 985 |
| Return on assets (ROA) | 1.4243% | 1,034 |
| Pretax return on assets | 2.1205% | 407 |
| Return on Equity (ROE) | 11.3482% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.4339% | 550 |
| Net charge-offs to loans | -0.0064% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9254% | 5,711 |
| Assets per employee ($millions) | 5.0444% | 2,314 |
| Cash dividends to net income (ytd only)* | 16.8684% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,205 |
| Loan loss allowance to noncurrent loans | 387.0455% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 3,392 |
| Noncurrent loans to loans | 0.4558% | 3,837 |
| Net loans and leases to total assets | 59.4373% | 3,907 |
| Net loans and leases to deposits | 69.9827% | 3,926 |
| Net loans and leases to core deposits | 73.1925% | 4,023 |
| Total domestic deposits to total assets | 84.9313% | 3,125 |
| Equity capital to assets | 12.9268% | 1,386 |
| Core capital (leverage) ratio | 12.9028% | 1,186 |
| Tier 1 risk-based capital ratio | 17.5534% | 2,107 |
| Total risk-based capital ratio | 18.8067% | 2,059 |
| Memoranda: | ||
| Average total assets | $852,857,800 | 812 |
| Average earning assets | $796,740,400 | 785 |
| Average equity | $107,039,000 | 722 |
| Average total loans | $496,845,400 | 944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,719 |
| Cost of funding earning assets | 0.4158% | 3,056 |
| Net interest margin | 3.7444% | 2,591 |
| Noninterest income to average assets | 0.8022% | 1,797 |
| Noninterest expense to average assets | 2.1505% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4655% | 978 |
| Return on assets (ROA) | 1.4568% | 1,038 |
| Pretax return on assets | 2.1354% | 471 |
| Return on Equity (ROE) | 11.6967% | 1,464 |
| Retained earnings to average equity (ytd only) | 9.1135% | 863 |
| Net charge-offs to loans | -0.0280% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0256% | 5,776 |
| Assets per employee ($millions) | 5.0564% | 2,232 |
| Cash dividends to net income (ytd only)* | 22.0845% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 1,207 |
| Loan loss allowance to noncurrent loans | 391.8136% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 3,634 |
| Noncurrent loans to loans | 0.4665% | 3,956 |
| Net loans and leases to total assets | 57.9773% | 4,143 |
| Net loans and leases to deposits | 68.2602% | 4,165 |
| Net loans and leases to core deposits | 71.4840% | 4,235 |
| Total domestic deposits to total assets | 84.9357% | 3,038 |
| Equity capital to assets | 12.6482% | 1,653 |
| Core capital (leverage) ratio | 12.7543% | 1,297 |
| Tier 1 risk-based capital ratio | 17.2058% | 2,292 |
| Total risk-based capital ratio | 18.4594% | 2,239 |
| Memoranda: | ||
| Average total assets | $849,165,000 | 817 |
| Average earning assets | $792,944,250 | 794 |
| Average equity | $105,759,500 | 735 |
| Average total loans | $489,817,500 | 962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 2,763 |
| Cost of funding earning assets | 0.4153% | 3,089 |
| Net interest margin | 3.7229% | 2,614 |
| Noninterest income to average assets | 0.7775% | 1,880 |
| Noninterest expense to average assets | 2.1386% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4253% | 1,042 |
| Return on assets (ROA) | 1.4121% | 1,098 |
| Pretax return on assets | 2.0903% | 499 |
| Return on Equity (ROE) | 11.3984% | 1,560 |
| Retained earnings to average equity (ytd only) | 9.7247% | 724 |
| Net charge-offs to loans | 0.0145% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 254.3714% | 271 |
| Efficiency ratio | 50.3402% | 5,836 |
| Assets per employee ($millions) | 5.0350% | 2,234 |
| Cash dividends to net income (ytd only)* | 14.6837% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 1,250 |
| Loan loss allowance to noncurrent loans | 373.7398% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 3,686 |
| Noncurrent loans to loans | 0.4974% | 3,975 |
| Net loans and leases to total assets | 57.0431% | 4,216 |
| Net loans and leases to deposits | 67.0910% | 4,219 |
| Net loans and leases to core deposits | 70.3022% | 4,301 |
| Total domestic deposits to total assets | 85.0235% | 3,111 |
| Equity capital to assets | 12.6100% | 1,599 |
| Core capital (leverage) ratio | 12.7185% | 1,289 |
| Tier 1 risk-based capital ratio | 17.3860% | 2,255 |
| Total risk-based capital ratio | 18.6399% | 2,213 |
| Memoranda: | ||
| Average total assets | $844,003,000 | 827 |
| Average earning assets | $786,851,000 | 809 |
| Average equity | $104,558,330 | 743 |
| Average total loans | $482,878,670 | 969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,176 |
| Cost of funding earning assets | 0.4144% | 3,143 |
| Net interest margin | 3.6016% | 2,995 |
| Noninterest income to average assets | 0.7305% | 2,018 |
| Noninterest expense to average assets | 2.1857% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3096% | 1,237 |
| Return on assets (ROA) | 1.3096% | 1,328 |
| Pretax return on assets | 1.8950% | 726 |
| Return on Equity (ROE) | 10.6680% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.2761% | 1,871 |
| Net charge-offs to loans | 0.0109% | 2,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 306.3077% | 183 |
| Efficiency ratio | 53.5627% | 5,714 |
| Assets per employee ($millions) | 5.0910% | 2,241 |
| Cash dividends to net income (ytd only)* | 31.7951% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 1,251 |
| Loan loss allowance to noncurrent loans | 261.0765% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 3,252 |
| Noncurrent loans to loans | 0.7337% | 3,429 |
| Net loans and leases to total assets | 55.1771% | 4,296 |
| Net loans and leases to deposits | 64.9033% | 4,281 |
| Net loans and leases to core deposits | 67.9153% | 4,332 |
| Total domestic deposits to total assets | 85.0143% | 3,398 |
| Equity capital to assets | 12.2291% | 1,868 |
| Core capital (leverage) ratio | 12.5483% | 1,344 |
| Tier 1 risk-based capital ratio | 17.4019% | 2,338 |
| Total risk-based capital ratio | 18.6562% | 2,288 |
| Memoranda: | ||
| Average total assets | $840,545,500 | 833 |
| Average earning assets | $781,878,000 | 820 |
| Average equity | $103,187,000 | 751 |
| Average total loans | $477,026,000 | 974 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,151 |
| Cost of funding earning assets | 0.4775% | 2,908 |
| Net interest margin | 3.6664% | 3,141 |
| Noninterest income to average assets | 0.7837% | 1,937 |
| Noninterest expense to average assets | 2.2488% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3327% | 1,224 |
| Return on assets (ROA) | 1.3326% | 1,277 |
| Pretax return on assets | 1.9387% | 580 |
| Return on Equity (ROE) | 10.9284% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.5953% | 800 |
| Net charge-offs to loans | 0.0671% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 50.2721% | 923 |
| Efficiency ratio | 53.7005% | 5,864 |
| Assets per employee ($millions) | 4.9155% | 2,427 |
| Cash dividends to net income (ytd only)* | 21.3493% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 1,195 |
| Loan loss allowance to noncurrent loans | 260.4120% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 3,061 |
| Noncurrent loans to loans | 0.7494% | 3,453 |
| Net loans and leases to total assets | 56.1494% | 4,317 |
| Net loans and leases to deposits | 65.6583% | 4,365 |
| Net loans and leases to core deposits | 69.0585% | 4,406 |
| Total domestic deposits to total assets | 85.5176% | 3,072 |
| Equity capital to assets | 12.3250% | 1,754 |
| Core capital (leverage) ratio | 12.3004% | 1,450 |
| Tier 1 risk-based capital ratio | 17.6903% | 2,242 |
| Total risk-based capital ratio | 18.9456% | 2,211 |
| Memoranda: | ||
| Average total assets | $790,836,600 | 855 |
| Average earning assets | $734,215,200 | 835 |
| Average equity | $96,436,400 | 761 |
| Average total loans | $454,803,600 | 970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,195 |
| Cost of funding earning assets | 0.4932% | 2,832 |
| Net interest margin | 3.6502% | 3,223 |
| Noninterest income to average assets | 0.8253% | 1,794 |
| Noninterest expense to average assets | 2.2380% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3589% | 1,229 |
| Return on assets (ROA) | 1.3589% | 1,273 |
| Pretax return on assets | 1.9735% | 608 |
| Return on Equity (ROE) | 11.1753% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.3012% | 1,219 |
| Net charge-offs to loans | 0.0965% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.5089% | 1,217 |
| Efficiency ratio | 53.1412% | 5,908 |
| Assets per employee ($millions) | 4.8449% | 2,451 |
| Cash dividends to net income (ytd only)* | 25.7183% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 1,269 |
| Loan loss allowance to noncurrent loans | 243.7914% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 3,145 |
| Noncurrent loans to loans | 0.8186% | 3,533 |
| Net loans and leases to total assets | 55.5584% | 4,386 |
| Net loans and leases to deposits | 64.9363% | 4,437 |
| Net loans and leases to core deposits | 68.3313% | 4,477 |
| Total domestic deposits to total assets | 85.5583% | 3,093 |
| Equity capital to assets | 12.1073% | 1,972 |
| Core capital (leverage) ratio | 12.3846% | 1,468 |
| Tier 1 risk-based capital ratio | 17.5365% | 2,384 |
| Total risk-based capital ratio | 18.7921% | 2,341 |
| Memoranda: | ||
| Average total assets | $782,093,500 | 868 |
| Average earning assets | $725,523,750 | 848 |
| Average equity | $95,100,250 | 774 |
| Average total loans | $450,275,500 | 983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 3,035 |
| Cost of funding earning assets | 0.5053% | 2,782 |
| Net interest margin | 3.6734% | 3,054 |
| Noninterest income to average assets | 0.8407% | 1,701 |
| Noninterest expense to average assets | 2.2585% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3587% | 1,164 |
| Return on assets (ROA) | 1.3587% | 1,209 |
| Pretax return on assets | 1.9861% | 575 |
| Return on Equity (ROE) | 11.1568% | 1,691 |
| Retained earnings to average equity (ytd only) | 8.5171% | 1,142 |
| Net charge-offs to loans | 0.1823% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.8231% | 1,657 |
| Efficiency ratio | 53.2096% | 5,980 |
| Assets per employee ($millions) | 4.6376% | 2,719 |
| Cash dividends to net income (ytd only)* | 23.6596% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 1,376 |
| Loan loss allowance to noncurrent loans | 229.6678% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 3,066 |
| Noncurrent loans to loans | 0.8669% | 3,536 |
| Net loans and leases to total assets | 56.6526% | 4,168 |
| Net loans and leases to deposits | 66.0213% | 4,268 |
| Net loans and leases to core deposits | 69.5311% | 4,316 |
| Total domestic deposits to total assets | 85.8096% | 3,144 |
| Equity capital to assets | 12.2407% | 1,821 |
| Core capital (leverage) ratio | 12.5764% | 1,353 |
| Tier 1 risk-based capital ratio | 17.4625% | 2,429 |
| Total risk-based capital ratio | 18.7183% | 2,401 |
| Memoranda: | ||
| Average total assets | $771,477,330 | 879 |
| Average earning assets | $714,870,000 | 858 |
| Average equity | $93,951,670 | 778 |
| Average total loans | $446,560,330 | 985 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,924 |
| Cost of funding earning assets | 0.5086% | 2,813 |
| Net interest margin | 3.6779% | 2,955 |
| Noninterest income to average assets | 0.8329% | 1,630 |
| Noninterest expense to average assets | 2.3405% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3293% | 1,145 |
| Return on assets (ROA) | 1.3293% | 1,190 |
| Pretax return on assets | 1.8998% | 649 |
| Return on Equity (ROE) | 10.9448% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.5763% | 2,755 |
| Net charge-offs to loans | 0.1652% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.8516% | 1,355 |
| Efficiency ratio | 55.1959% | 5,907 |
| Assets per employee ($millions) | 4.7044% | 2,657 |
| Cash dividends to net income (ytd only)* | 49.0506% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 1,383 |
| Loan loss allowance to noncurrent loans | 138.7125% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 2,708 |
| Noncurrent loans to loans | 1.4920% | 2,549 |
| Net loans and leases to total assets | 57.7079% | 3,899 |
| Net loans and leases to deposits | 67.6956% | 3,888 |
| Net loans and leases to core deposits | 70.8363% | 4,001 |
| Total domestic deposits to total assets | 85.2461% | 3,749 |
| Equity capital to assets | 12.1775% | 1,759 |
| Core capital (leverage) ratio | 12.5170% | 1,379 |
| Tier 1 risk-based capital ratio | 17.2601% | 2,568 |
| Total risk-based capital ratio | 18.5166% | 2,528 |
| Memoranda: | ||
| Average total assets | $760,699,000 | 897 |
| Average earning assets | $704,747,000 | 878 |
| Average equity | $92,391,000 | 790 |
| Average total loans | $440,640,000 | 1,003 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,806 |
| Cost of funding earning assets | 0.5836% | 2,797 |
| Net interest margin | 3.4990% | 3,916 |
| Noninterest income to average assets | 1.0957% | 1,167 |
| Noninterest expense to average assets | 2.3481% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3601% | 1,110 |
| Return on assets (ROA) | 1.3617% | 1,155 |
| Pretax return on assets | 1.9959% | 487 |
| Return on Equity (ROE) | 11.2961% | 1,671 |
| Retained earnings to average equity (ytd only) | 9.3525% | 695 |
| Net charge-offs to loans | 0.0049% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 734.7500% | 52 |
| Efficiency ratio | 54.0824% | 6,129 |
| Assets per employee ($millions) | 4.5732% | 2,775 |
| Cash dividends to net income (ytd only)* | 17.2063% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,152 |
| Loan loss allowance to noncurrent loans | 163.8989% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1984% | 3,004 |
| Noncurrent loans to loans | 1.3546% | 2,871 |
| Net loans and leases to total assets | 55.6442% | 4,368 |
| Net loans and leases to deposits | 64.9259% | 4,421 |
| Net loans and leases to core deposits | 68.0318% | 4,510 |
| Total domestic deposits to total assets | 85.7040% | 3,402 |
| Equity capital to assets | 12.1130% | 1,735 |
| Core capital (leverage) ratio | 12.3206% | 1,439 |
| Tier 1 risk-based capital ratio | 17.8329% | 2,296 |
| Total risk-based capital ratio | 19.0910% | 2,263 |
| Memoranda: | ||
| Average total assets | $737,094,800 | 901 |
| Average earning assets | $683,828,200 | 885 |
| Average equity | $88,853,600 | 793 |
| Average total loans | $407,242,200 | 1,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 4,052 |
| Cost of funding earning assets | 0.6009% | 2,800 |
| Net interest margin | 3.4196% | 4,211 |
| Noninterest income to average assets | 1.0374% | 1,352 |
| Noninterest expense to average assets | 2.3071% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3073% | 1,338 |
| Return on assets (ROA) | 1.3094% | 1,382 |
| Pretax return on assets | 1.9061% | 699 |
| Return on Equity (ROE) | 10.8760% | 1,863 |
| Retained earnings to average equity (ytd only) | 8.2658% | 1,309 |
| Net charge-offs to loans | 0.0438% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 79.2253% | 601 |
| Efficiency ratio | 54.7997% | 6,034 |
| Assets per employee ($millions) | 4.5692% | 2,769 |
| Cash dividends to net income (ytd only)* | 23.9994% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 1,153 |
| Loan loss allowance to noncurrent loans | 125.0100% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 2,744 |
| Noncurrent loans to loans | 1.8562% | 2,425 |
| Net loans and leases to total assets | 52.9302% | 4,760 |
| Net loans and leases to deposits | 61.5407% | 4,810 |
| Net loans and leases to core deposits | 64.4606% | 4,854 |
| Total domestic deposits to total assets | 86.0085% | 3,248 |
| Equity capital to assets | 11.7565% | 2,079 |
| Core capital (leverage) ratio | 12.1694% | 1,577 |
| Tier 1 risk-based capital ratio | 18.0194% | 2,321 |
| Total risk-based capital ratio | 19.2781% | 2,278 |
| Memoranda: | ||
| Average total assets | $732,724,250 | 915 |
| Average earning assets | $679,820,000 | 892 |
| Average equity | $88,216,500 | 803 |
| Average total loans | $401,699,750 | 1,065 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,890 |
| Cost of funding earning assets | 0.6213% | 2,761 |
| Net interest margin | 3.4363% | 4,054 |
| Noninterest income to average assets | 0.9357% | 1,702 |
| Noninterest expense to average assets | 2.2897% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2716% | 1,399 |
| Return on assets (ROA) | 1.2748% | 1,483 |
| Pretax return on assets | 1.8419% | 839 |
| Return on Equity (ROE) | 10.5035% | 2,011 |
| Retained earnings to average equity (ytd only) | 9.5948% | 942 |
| Net charge-offs to loans | 0.0310% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 107.7419% | 442 |
| Efficiency ratio | 55.4815% | 6,023 |
| Assets per employee ($millions) | 4.4957% | 2,822 |
| Cash dividends to net income (ytd only)* | 8.6516% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3538% | 1,165 |
| Loan loss allowance to noncurrent loans | 122.2093% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.7454% | 2,499 |
| Noncurrent loans to loans | 1.9261% | 2,479 |
| Net loans and leases to total assets | 53.4071% | 4,670 |
| Net loans and leases to deposits | 62.3637% | 4,690 |
| Net loans and leases to core deposits | 65.3382% | 4,760 |
| Total domestic deposits to total assets | 85.6380% | 3,560 |
| Equity capital to assets | 11.9719% | 1,933 |
| Core capital (leverage) ratio | 12.3057% | 1,451 |
| Tier 1 risk-based capital ratio | 18.0758% | 2,293 |
| Total risk-based capital ratio | 19.3351% | 2,249 |
| Memoranda: | ||
| Average total assets | $727,182,670 | 918 |
| Average earning assets | $675,318,000 | 899 |
| Average equity | $88,256,330 | 805 |
| Average total loans | $400,248,330 | 1,065 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,866 |
| Cost of funding earning assets | 0.6195% | 2,925 |
| Net interest margin | 3.4462% | 3,930 |
| Noninterest income to average assets | 0.8647% | 1,884 |
| Noninterest expense to average assets | 2.4134% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1494% | 1,678 |
| Return on assets (ROA) | 1.1560% | 1,757 |
| Pretax return on assets | 1.6590% | 1,172 |
| Return on Equity (ROE) | 9.4594% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.4594% | 1,254 |
| Net charge-offs to loans | -0.0351% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4001% | 5,669 |
| Assets per employee ($millions) | 4.4162% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,231 |
| Loan loss allowance to noncurrent loans | 114.9347% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9570% | 2,398 |
| Noncurrent loans to loans | 2.1000% | 2,505 |
| Net loans and leases to total assets | 53.2064% | 4,529 |
| Net loans and leases to deposits | 62.1941% | 4,517 |
| Net loans and leases to core deposits | 65.7636% | 4,559 |
| Total domestic deposits to total assets | 85.5489% | 3,772 |
| Equity capital to assets | 12.2660% | 1,857 |
| Core capital (leverage) ratio | 12.3413% | 1,408 |
| Tier 1 risk-based capital ratio | 18.0030% | 2,359 |
| Total risk-based capital ratio | 19.2631% | 2,323 |
| Memoranda: | ||
| Average total assets | $722,127,000 | 935 |
| Average earning assets | $670,194,500 | 906 |
| Average equity | $88,250,500 | 813 |
| Average total loans | $398,743,000 | 1,065 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 4,131 |
| Cost of funding earning assets | 0.6957% | 3,522 |
| Net interest margin | 3.6222% | 3,992 |
| Noninterest income to average assets | 0.9524% | 1,694 |
| Noninterest expense to average assets | 2.4162% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2864% | 1,347 |
| Return on assets (ROA) | 1.2877% | 1,491 |
| Pretax return on assets | 1.8496% | 826 |
| Return on Equity (ROE) | 10.6728% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.2995% | 1,029 |
| Net charge-offs to loans | 0.4952% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.6692% | 2,770 |
| Efficiency ratio | 56.6651% | 5,988 |
| Assets per employee ($millions) | 4.4446% | 3,065 |
| Cash dividends to net income (ytd only)* | 22.2370% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3873% | 1,256 |
| Loan loss allowance to noncurrent loans | 112.5854% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1352% | 2,291 |
| Noncurrent loans to loans | 2.1205% | 2,561 |
| Net loans and leases to total assets | 54.5909% | 4,534 |
| Net loans and leases to deposits | 63.7888% | 4,561 |
| Net loans and leases to core deposits | 67.4815% | 4,593 |
| Total domestic deposits to total assets | 85.5808% | 3,573 |
| Equity capital to assets | 12.1750% | 1,930 |
| Core capital (leverage) ratio | 12.1080% | 1,508 |
| Tier 1 risk-based capital ratio | 16.8953% | 2,702 |
| Total risk-based capital ratio | 18.1542% | 2,662 |
| Memoranda: | ||
| Average total assets | $700,570,400 | 938 |
| Average earning assets | $640,492,400 | 940 |
| Average equity | $84,523,600 | 831 |
| Average total loans | $391,972,600 | 1,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 4,370 |
| Cost of funding earning assets | 0.7114% | 3,671 |
| Net interest margin | 3.6087% | 4,205 |
| Noninterest income to average assets | 0.8656% | 1,960 |
| Noninterest expense to average assets | 2.3701% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2745% | 1,505 |
| Return on assets (ROA) | 1.2762% | 1,652 |
| Pretax return on assets | 1.7866% | 1,081 |
| Return on Equity (ROE) | 10.6029% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.9321% | 932 |
| Net charge-offs to loans | 0.5382% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.9238% | 2,893 |
| Efficiency ratio | 57.0540% | 5,910 |
| Assets per employee ($millions) | 4.3344% | 3,200 |
| Cash dividends to net income (ytd only)* | 6.3268% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5500% | 1,143 |
| Loan loss allowance to noncurrent loans | 102.7338% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 2.5712% | 2,052 |
| Noncurrent loans to loans | 2.4822% | 2,317 |
| Net loans and leases to total assets | 53.3363% | 4,850 |
| Net loans and leases to deposits | 62.3151% | 4,930 |
| Net loans and leases to core deposits | 66.0433% | 4,949 |
| Total domestic deposits to total assets | 85.5914% | 3,464 |
| Equity capital to assets | 12.2773% | 2,057 |
| Core capital (leverage) ratio | 12.1464% | 1,565 |
| Tier 1 risk-based capital ratio | 17.8131% | 2,420 |
| Total risk-based capital ratio | 19.0745% | 2,385 |
| Memoranda: | ||
| Average total assets | $696,817,500 | 952 |
| Average earning assets | $635,013,750 | 955 |
| Average equity | $83,874,000 | 835 |
| Average total loans | $389,916,500 | 1,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 4,453 |
| Cost of funding earning assets | 0.7192% | 3,864 |
| Net interest margin | 3.6108% | 4,213 |
| Noninterest income to average assets | 0.8045% | 2,160 |
| Noninterest expense to average assets | 2.4125% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2213% | 1,637 |
| Return on assets (ROA) | 1.2226% | 1,827 |
| Pretax return on assets | 1.6924% | 1,277 |
| Return on Equity (ROE) | 10.2271% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.1787% | 928 |
| Net charge-offs to loans | 0.7412% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.0463% | 3,188 |
| Efficiency ratio | 58.7958% | 5,757 |
| Assets per employee ($millions) | 4.3496% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.4727% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5591% | 1,197 |
| Loan loss allowance to noncurrent loans | 104.1239% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 2.6648% | 2,074 |
| Noncurrent loans to loans | 2.4577% | 2,444 |
| Net loans and leases to total assets | 53.9686% | 4,812 |
| Net loans and leases to deposits | 63.1169% | 4,865 |
| Net loans and leases to core deposits | 66.9635% | 4,901 |
| Total domestic deposits to total assets | 85.5058% | 3,605 |
| Equity capital to assets | 12.0118% | 2,137 |
| Core capital (leverage) ratio | 11.9820% | 1,611 |
| Tier 1 risk-based capital ratio | 17.2138% | 2,583 |
| Total risk-based capital ratio | 18.4753% | 2,535 |
| Memoranda: | ||
| Average total assets | $692,144,000 | 955 |
| Average earning assets | $632,332,330 | 956 |
| Average equity | $82,741,330 | 841 |
| Average total loans | $390,203,330 | 1,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 4,568 |
| Cost of funding earning assets | 0.7321% | 4,009 |
| Net interest margin | 3.6077% | 4,234 |
| Noninterest income to average assets | 0.7559% | 2,369 |
| Noninterest expense to average assets | 2.4688% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1051% | 2,063 |
| Return on assets (ROA) | 1.1051% | 2,248 |
| Pretax return on assets | 1.5767% | 1,648 |
| Return on Equity (ROE) | 9.2677% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.1696% | 1,525 |
| Net charge-offs to loans | 0.8021% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.4551% | 2,833 |
| Efficiency ratio | 61.0268% | 5,452 |
| Assets per employee ($millions) | 4.3323% | 3,331 |
| Cash dividends to net income (ytd only)* | 1.0588% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8003% | 1,007 |
| Loan loss allowance to noncurrent loans | 81.6817% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 3.5790% | 1,597 |
| Noncurrent loans to loans | 3.4283% | 1,829 |
| Net loans and leases to total assets | 53.6553% | 4,778 |
| Net loans and leases to deposits | 63.0391% | 4,766 |
| Net loans and leases to core deposits | 67.2136% | 4,775 |
| Total domestic deposits to total assets | 85.1143% | 3,979 |
| Equity capital to assets | 11.8540% | 2,145 |
| Core capital (leverage) ratio | 11.9773% | 1,601 |
| Tier 1 risk-based capital ratio | 16.8974% | 2,719 |
| Total risk-based capital ratio | 18.1610% | 2,669 |
| Memoranda: | ||
| Average total assets | $683,720,000 | 965 |
| Average earning assets | $623,441,500 | 966 |
| Average equity | $81,530,500 | 849 |
| Average total loans | $388,964,000 | 1,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 4,677 |
| Cost of funding earning assets | 0.8465% | 4,493 |
| Net interest margin | 3.7536% | 4,064 |
| Noninterest income to average assets | 0.6810% | 2,715 |
| Noninterest expense to average assets | 2.4696% | 5,566 |
| Loan and lease loss provision to assets | 1.1994% | 735 |
| Net operating income to assets | 0.3656% | 5,008 |
| Return on assets (ROA) | 0.3873% | 5,084 |
| Pretax return on assets | 0.4280% | 5,208 |
| Return on Equity (ROE) | 3.2622% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.2622% | 3,901 |
| Net charge-offs to loans | 1.9666% | 708 |
| Credit loss provision to net charge-offs | 99.5034% | 3,592 |
| Earnings coverage of net charge-offs (x) | 1.3301% | 4,778 |
| Efficiency ratio | 60.6342% | 5,658 |
| Assets per employee ($millions) | 4.1366% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9080% | 886 |
| Loan loss allowance to noncurrent loans | 66.6531% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 4.2673% | 1,309 |
| Noncurrent loans to loans | 4.3629% | 1,386 |
| Net loans and leases to total assets | 56.9202% | 4,560 |
| Net loans and leases to deposits | 66.9566% | 4,589 |
| Net loans and leases to core deposits | 71.7157% | 4,563 |
| Total domestic deposits to total assets | 85.0106% | 3,839 |
| Equity capital to assets | 11.9971% | 2,128 |
| Core capital (leverage) ratio | 11.6785% | 1,775 |
| Tier 1 risk-based capital ratio | 16.2289% | 2,941 |
| Total risk-based capital ratio | 17.4940% | 2,901 |
| Memoranda: | ||
| Average total assets | $668,177,600 | 970 |
| Average earning assets | $603,791,000 | 969 |
| Average equity | $79,331,800 | 847 |
| Average total loans | $409,544,000 | 1,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 4,740 |
| Cost of funding earning assets | 0.8705% | 4,633 |
| Net interest margin | 3.7609% | 4,052 |
| Noninterest income to average assets | 0.8068% | 2,024 |
| Noninterest expense to average assets | 2.5358% | 5,333 |
| Loan and lease loss provision to assets | 0.9158% | 972 |
| Net operating income to assets | 0.6275% | 3,981 |
| Return on assets (ROA) | 0.6404% | 4,104 |
| Pretax return on assets | 0.7620% | 4,270 |
| Return on Equity (ROE) | 5.4081% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4081% | 2,903 |
| Net charge-offs to loans | 1.3649% | 1,108 |
| Credit loss provision to net charge-offs | 108.2762% | 3,051 |
| Earnings coverage of net charge-offs (x) | 1.9655% | 4,183 |
| Efficiency ratio | 60.4021% | 5,648 |
| Assets per employee ($millions) | 4.1694% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9737% | 880 |
| Loan loss allowance to noncurrent loans | 68.0076% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 4.2270% | 1,444 |
| Noncurrent loans to loans | 4.3727% | 1,489 |
| Net loans and leases to total assets | 57.4111% | 4,602 |
| Net loans and leases to deposits | 67.5863% | 4,682 |
| Net loans and leases to core deposits | 72.3611% | 4,667 |
| Total domestic deposits to total assets | 84.9449% | 3,792 |
| Equity capital to assets | 12.1279% | 2,156 |
| Core capital (leverage) ratio | 11.9672% | 1,726 |
| Tier 1 risk-based capital ratio | 16.3571% | 2,937 |
| Total risk-based capital ratio | 17.6229% | 2,892 |
| Memoranda: | ||
| Average total assets | $666,655,750 | 978 |
| Average earning assets | $601,149,750 | 982 |
| Average equity | $78,941,750 | 860 |
| Average total loans | $413,108,000 | 1,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 4,540 |
| Cost of funding earning assets | 0.9036% | 4,633 |
| Net interest margin | 3.7950% | 3,807 |
| Noninterest income to average assets | 0.7003% | 2,550 |
| Noninterest expense to average assets | 2.5649% | 5,310 |
| Loan and lease loss provision to assets | 0.9296% | 954 |
| Net operating income to assets | 0.6780% | 3,652 |
| Return on assets (ROA) | 0.6825% | 3,755 |
| Pretax return on assets | 0.6195% | 4,677 |
| Return on Equity (ROE) | 5.8114% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.8114% | 2,534 |
| Net charge-offs to loans | 1.4967% | 994 |
| Credit loss provision to net charge-offs | 98.7200% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.6403% | 4,065 |
| Efficiency ratio | 62.4138% | 5,519 |
| Assets per employee ($millions) | 3.9693% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8029% | 1,077 |
| Loan loss allowance to noncurrent loans | 55.1055% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 4.6886% | 1,332 |
| Noncurrent loans to loans | 5.0864% | 1,281 |
| Net loans and leases to total assets | 60.4973% | 4,183 |
| Net loans and leases to deposits | 72.6510% | 4,015 |
| Net loans and leases to core deposits | 77.4862% | 4,119 |
| Total domestic deposits to total assets | 83.2711% | 4,648 |
| Equity capital to assets | 12.1619% | 1,987 |
| Core capital (leverage) ratio | 11.9481% | 1,626 |
| Tier 1 risk-based capital ratio | 15.9290% | 3,012 |
| Total risk-based capital ratio | 17.1935% | 2,974 |
| Memoranda: | ||
| Average total assets | $663,726,330 | 991 |
| Average earning assets | $596,262,670 | 1,002 |
| Average equity | $77,950,000 | 870 |
| Average total loans | $417,589,000 | 1,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 4,057 |
| Cost of funding earning assets | 0.9154% | 4,813 |
| Net interest margin | 3.8851% | 3,217 |
| Noninterest income to average assets | 0.5578% | 3,452 |
| Noninterest expense to average assets | 2.6025% | 5,214 |
| Loan and lease loss provision to assets | 1.3246% | 513 |
| Net operating income to assets | 0.2324% | 5,672 |
| Return on assets (ROA) | 0.2414% | 5,707 |
| Pretax return on assets | 0.1159% | 6,135 |
| Return on Equity (ROE) | 2.0922% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.0922% | 4,884 |
| Net charge-offs to loans | 2.4627% | 472 |
| Credit loss provision to net charge-offs | 85.0424% | 3,040 |
| Earnings coverage of net charge-offs (x) | 0.9190% | 3,963 |
| Efficiency ratio | 64.5132% | 5,275 |
| Assets per employee ($millions) | 3.9313% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6841% | 1,223 |
| Loan loss allowance to noncurrent loans | 64.1369% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 3.9939% | 1,672 |
| Noncurrent loans to loans | 4.1849% | 1,716 |
| Net loans and leases to total assets | 61.1925% | 4,040 |
| Net loans and leases to deposits | 73.1009% | 3,905 |
| Net loans and leases to core deposits | 78.9644% | 3,897 |
| Total domestic deposits to total assets | 83.7096% | 4,617 |
| Equity capital to assets | 11.6531% | 2,160 |
| Core capital (leverage) ratio | 11.6557% | 1,767 |
| Tier 1 risk-based capital ratio | 15.4067% | 3,208 |
| Total risk-based capital ratio | 16.6702% | 3,155 |
| Memoranda: | ||
| Average total assets | $666,139,000 | 1,000 |
| Average earning assets | $596,023,000 | 1,010 |
| Average equity | $76,857,500 | 873 |
| Average total loans | $421,327,500 | 1,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 4,808 |
| Cost of funding earning assets | 1.1504% | 4,845 |
| Net interest margin | 3.7942% | 3,977 |
| Noninterest income to average assets | 0.9675% | 1,620 |
| Noninterest expense to average assets | 2.4489% | 5,948 |
| Loan and lease loss provision to assets | 2.1399% | 592 |
| Net operating income to assets | 0.0258% | 5,762 |
| Return on assets (ROA) | 0.0258% | 5,897 |
| Pretax return on assets | -0.1699% | 6,063 |
| Return on Equity (ROE) | 0.2243% | 5,896 |
| Retained earnings to average equity (ytd only) | -0.1017% | 5,619 |
| Net charge-offs to loans | 3.1919% | 495 |
| Credit loss provision to net charge-offs | 103.3106% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.9511% | 5,158 |
| Efficiency ratio | 55.4178% | 6,665 |
| Assets per employee ($millions) | 3.9059% | 3,990 |
| Cash dividends to net income (ytd only)* | 145.3488% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6992% | 1,171 |
| Loan loss allowance to noncurrent loans | 58.7891% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 4.1368% | 1,626 |
| Noncurrent loans to loans | 4.5913% | 1,535 |
| Net loans and leases to total assets | 61.8949% | 4,309 |
| Net loans and leases to deposits | 76.0750% | 3,825 |
| Net loans and leases to core deposits | 82.6117% | 3,806 |
| Total domestic deposits to total assets | 81.3604% | 5,401 |
| Equity capital to assets | 11.4244% | 2,327 |
| Core capital (leverage) ratio | 11.4427% | 1,866 |
| Tier 1 risk-based capital ratio | 14.9174% | 3,295 |
| Total risk-based capital ratio | 16.1810% | 3,245 |
| Memoranda: | ||
| Average total assets | $666,428,000 | 998 |
| Average earning assets | $606,218,200 | 1,000 |
| Average equity | $76,698,400 | 859 |
| Average total loans | $432,470,800 | 1,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 5,002 |
| Cost of funding earning assets | 1.2146% | 4,776 |
| Net interest margin | 3.7428% | 4,215 |
| Noninterest income to average assets | 0.9115% | 1,755 |
| Noninterest expense to average assets | 2.5404% | 5,561 |
| Loan and lease loss provision to assets | 2.3028% | 481 |
| Net operating income to assets | -0.2007% | 6,324 |
| Return on assets (ROA) | -0.2007% | 6,386 |
| Pretax return on assets | -0.5192% | 6,568 |
| Return on Equity (ROE) | -1.7404% | 6,370 |
| Retained earnings to average equity (ytd only) | -2.1751% | 6,230 |
| Net charge-offs to loans | 3.5337% | 377 |
| Credit loss provision to net charge-offs | 99.9217% | 4,368 |
| Earnings coverage of net charge-offs (x) | 0.7739% | 5,289 |
| Efficiency ratio | 58.7510% | 6,155 |
| Assets per employee ($millions) | 3.8699% | 4,098 |
| Cash dividends to net income (ytd only)* | -24.9755% | 7,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6320% | 1,164 |
| Loan loss allowance to noncurrent loans | 50.2360% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 4.0101% | 1,742 |
| Noncurrent loans to loans | 5.2392% | 1,298 |
| Net loans and leases to total assets | 61.8791% | 4,558 |
| Net loans and leases to deposits | 73.7618% | 4,556 |
| Net loans and leases to core deposits | 80.9388% | 4,390 |
| Total domestic deposits to total assets | 83.8904% | 4,190 |
| Equity capital to assets | 11.6551% | 2,404 |
| Core capital (leverage) ratio | 11.4432% | 1,974 |
| Tier 1 risk-based capital ratio | 15.0239% | 3,243 |
| Total risk-based capital ratio | 16.2873% | 3,223 |
| Memoranda: | ||
| Average total assets | $665,081,000 | 1,008 |
| Average earning assets | $606,375,000 | 1,006 |
| Average equity | $76,685,250 | 861 |
| Average total loans | $433,749,750 | 1,038 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 5,109 |
| Cost of funding earning assets | 1.2815% | 4,641 |
| Net interest margin | 3.6834% | 4,438 |
| Noninterest income to average assets | 0.8481% | 1,891 |
| Noninterest expense to average assets | 2.5452% | 5,542 |
| Loan and lease loss provision to assets | 2.5698% | 434 |
| Net operating income to assets | -0.4323% | 6,598 |
| Return on assets (ROA) | -0.4323% | 6,631 |
| Pretax return on assets | -0.9094% | 6,848 |
| Return on Equity (ROE) | -3.7629% | 6,600 |
| Retained earnings to average equity (ytd only) | -4.4161% | 6,488 |
| Net charge-offs to loans | 3.9279% | 335 |
| Credit loss provision to net charge-offs | 99.4770% | 4,129 |
| Earnings coverage of net charge-offs (x) | 0.6428% | 5,097 |
| Efficiency ratio | 60.5182% | 5,952 |
| Assets per employee ($millions) | 3.7899% | 4,244 |
| Cash dividends to net income (ytd only)* | -17.3611% | 7,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5850% | 1,209 |
| Loan loss allowance to noncurrent loans | 54.8742% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 1,944 |
| Noncurrent loans to loans | 4.7108% | 1,509 |
| Net loans and leases to total assets | 62.6896% | 4,536 |
| Net loans and leases to deposits | 74.6713% | 4,573 |
| Net loans and leases to core deposits | 82.5292% | 4,343 |
| Total domestic deposits to total assets | 83.9540% | 4,127 |
| Equity capital to assets | 11.4881% | 2,455 |
| Core capital (leverage) ratio | 11.3765% | 1,990 |
| Tier 1 risk-based capital ratio | 14.8348% | 3,246 |
| Total risk-based capital ratio | 16.0976% | 3,212 |
| Memoranda: | ||
| Average total assets | $666,189,670 | 1,016 |
| Average earning assets | $607,259,000 | 1,011 |
| Average equity | $76,537,670 | 858 |
| Average total loans | $438,147,330 | 1,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 5,306 |
| Cost of funding earning assets | 1.3684% | 4,366 |
| Net interest margin | 3.5627% | 4,891 |
| Noninterest income to average assets | 0.7752% | 2,147 |
| Noninterest expense to average assets | 2.4755% | 5,824 |
| Loan and lease loss provision to assets | 3.8827% | 229 |
| Net operating income to assets | -1.3414% | 7,275 |
| Return on assets (ROA) | -1.3414% | 7,285 |
| Pretax return on assets | -2.3449% | 7,487 |
| Return on Equity (ROE) | -11.6751% | 7,196 |
| Retained earnings to average equity (ytd only) | -12.9787% | 7,116 |
| Net charge-offs to loans | 6.3972% | 160 |
| Credit loss provision to net charge-offs | 91.3074% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.3617% | 4,715 |
| Efficiency ratio | 61.6808% | 5,890 |
| Assets per employee ($millions) | 3.7277% | 4,507 |
| Cash dividends to net income (ytd only)* | -11.1657% | 7,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 1,413 |
| Loan loss allowance to noncurrent loans | 42.8010% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 4.2646% | 1,598 |
| Noncurrent loans to loans | 5.6262% | 1,220 |
| Net loans and leases to total assets | 63.8934% | 4,354 |
| Net loans and leases to deposits | 76.4720% | 4,325 |
| Net loans and leases to core deposits | 85.5507% | 3,969 |
| Total domestic deposits to total assets | 83.5513% | 4,362 |
| Equity capital to assets | 11.3565% | 2,462 |
| Core capital (leverage) ratio | 11.2964% | 2,035 |
| Tier 1 risk-based capital ratio | 14.4584% | 3,408 |
| Total risk-based capital ratio | 15.7195% | 3,367 |
| Memoranda: | ||
| Average total assets | $667,672,000 | 1,036 |
| Average earning assets | $606,837,500 | 1,036 |
| Average equity | $76,710,500 | 857 |
| Average total loans | $443,818,000 | 1,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 4,356 |
| Cost of funding earning assets | 1.8033% | 3,978 |
| Net interest margin | 3.6621% | 4,301 |
| Noninterest income to average assets | 0.9807% | 1,639 |
| Noninterest expense to average assets | 2.7570% | 5,137 |
| Loan and lease loss provision to assets | 1.2573% | 1,837 |
| Net operating income to assets | 0.3523% | 4,314 |
| Return on assets (ROA) | 0.3550% | 4,402 |
| Pretax return on assets | 0.3386% | 4,665 |
| Return on Equity (ROE) | 2.9251% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.5558% | 3,988 |
| Net charge-offs to loans | 0.5083% | 3,748 |
| Credit loss provision to net charge-offs | 352.4497% | 918 |
| Earnings coverage of net charge-offs (x) | 4.4663% | 2,942 |
| Efficiency ratio | 63.2578% | 5,922 |
| Assets per employee ($millions) | 3.8610% | 4,119 |
| Cash dividends to net income (ytd only)* | 46.8132% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 1,299 |
| Loan loss allowance to noncurrent loans | 63.4697% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.1148% | 2,223 |
| Noncurrent loans to loans | 3.8511% | 1,932 |
| Net loans and leases to total assets | 65.8137% | 4,200 |
| Net loans and leases to deposits | 79.3825% | 4,108 |
| Net loans and leases to core deposits | 105.0984% | 3,444 |
| Total domestic deposits to total assets | 82.9071% | 4,561 |
| Equity capital to assets | 11.6203% | 2,233 |
| Core capital (leverage) ratio | 11.5878% | 1,872 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,199 |
| Total risk-based capital ratio | 15.7879% | 3,137 |
| Memoranda: | ||
| Average total assets | $640,841,200 | 1,078 |
| Average earning assets | $589,642,400 | 1,067 |
| Average equity | $77,774,200 | 828 |
| Average total loans | $449,704,200 | 1,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5395% | 4,216 |
| Cost of funding earning assets | 1.8962% | 3,905 |
| Net interest margin | 3.6433% | 4,309 |
| Noninterest income to average assets | 1.0124% | 1,555 |
| Noninterest expense to average assets | 2.8376% | 4,730 |
| Loan and lease loss provision to assets | 0.9020% | 2,133 |
| Net operating income to assets | 0.2355% | 5,038 |
| Return on assets (ROA) | 0.2355% | 5,116 |
| Pretax return on assets | 0.6398% | 4,058 |
| Return on Equity (ROE) | 1.9184% | 5,195 |
| Retained earnings to average equity (ytd only) | 0.0909% | 5,167 |
| Net charge-offs to loans | 0.2792% | 4,284 |
| Credit loss provision to net charge-offs | 455.6383% | 862 |
| Earnings coverage of net charge-offs (x) | 7.7883% | 2,349 |
| Efficiency ratio | 64.6357% | 5,630 |
| Assets per employee ($millions) | 3.6887% | 4,452 |
| Cash dividends to net income (ytd only)* | 95.2591% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 1,966 |
| Loan loss allowance to noncurrent loans | 72.7441% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.2932% | 2,987 |
| Noncurrent loans to loans | 2.6467% | 2,858 |
| Net loans and leases to total assets | 67.1091% | 4,161 |
| Net loans and leases to deposits | 81.3632% | 4,141 |
| Net loans and leases to core deposits | 106.9794% | 3,593 |
| Total domestic deposits to total assets | 82.4808% | 4,463 |
| Equity capital to assets | 11.7415% | 2,403 |
| Core capital (leverage) ratio | 11.5678% | 2,034 |
| Tier 1 risk-based capital ratio | 14.5451% | 3,253 |
| Total risk-based capital ratio | 15.8014% | 3,198 |
| Memoranda: | ||
| Average total assets | $633,097,750 | 1,111 |
| Average earning assets | $585,090,500 | 1,094 |
| Average equity | $77,701,000 | 842 |
| Average total loans | $448,824,250 | 1,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 3,654 |
| Cost of funding earning assets | 1.9963% | 3,799 |
| Net interest margin | 3.6847% | 4,019 |
| Noninterest income to average assets | 1.0450% | 1,447 |
| Noninterest expense to average assets | 2.7313% | 5,251 |
| Loan and lease loss provision to assets | 0.5566% | 2,792 |
| Net operating income to assets | 0.8003% | 2,858 |
| Return on assets (ROA) | 0.8003% | 2,952 |
| Pretax return on assets | 1.1553% | 2,444 |
| Return on Equity (ROE) | 6.4233% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.9728% | 2,526 |
| Net charge-offs to loans | 0.1137% | 5,024 |
| Credit loss provision to net charge-offs | 682.3529% | 685 |
| Earnings coverage of net charge-offs (x) | 20.9882% | 1,287 |
| Efficiency ratio | 61.2339% | 6,362 |
| Assets per employee ($millions) | 3.5624% | 4,656 |
| Cash dividends to net income (ytd only)* | 22.5819% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 3,110 |
| Loan loss allowance to noncurrent loans | 50.2664% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.6293% | 2,442 |
| Noncurrent loans to loans | 3.0136% | 2,392 |
| Net loans and leases to total assets | 68.8647% | 3,982 |
| Net loans and leases to deposits | 83.9060% | 3,895 |
| Net loans and leases to core deposits | 108.6853% | 3,530 |
| Total domestic deposits to total assets | 82.0737% | 4,659 |
| Equity capital to assets | 12.2449% | 2,060 |
| Core capital (leverage) ratio | 12.2681% | 1,710 |
| Tier 1 risk-based capital ratio | 14.9313% | 3,050 |
| Total risk-based capital ratio | 16.1828% | 2,993 |
| Memoranda: | ||
| Average total assets | $625,267,670 | 1,142 |
| Average earning assets | $576,658,670 | 1,127 |
| Average equity | $77,903,670 | 852 |
| Average total loans | $448,672,330 | 1,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 4,284 |
| Cost of funding earning assets | 2.0351% | 3,954 |
| Net interest margin | 3.5769% | 4,420 |
| Noninterest income to average assets | 1.0485% | 1,354 |
| Noninterest expense to average assets | 2.7294% | 4,877 |
| Loan and lease loss provision to assets | 0.1134% | 5,514 |
| Net operating income to assets | 1.4023% | 1,134 |
| Return on assets (ROA) | 1.4023% | 1,221 |
| Pretax return on assets | 1.4995% | 1,670 |
| Return on Equity (ROE) | 11.1551% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.2426% | 1,730 |
| Net charge-offs to loans | 0.0945% | 4,232 |
| Credit loss provision to net charge-offs | 165.0943% | 2,588 |
| Earnings coverage of net charge-offs (x) | 23.4811% | 1,277 |
| Efficiency ratio | 62.3638% | 5,988 |
| Assets per employee ($millions) | 3.5218% | 4,766 |
| Cash dividends to net income (ytd only)* | 26.1091% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,862 |
| Loan loss allowance to noncurrent loans | 29.5515% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 3.2609% | 1,691 |
| Noncurrent loans to loans | 4.0324% | 1,488 |
| Net loans and leases to total assets | 71.5105% | 3,351 |
| Net loans and leases to deposits | 87.6777% | 3,341 |
| Net loans and leases to core deposits | 109.4457% | 3,505 |
| Total domestic deposits to total assets | 81.5606% | 4,727 |
| Equity capital to assets | 12.5855% | 1,930 |
| Core capital (leverage) ratio | 12.6044% | 1,646 |
| Tier 1 risk-based capital ratio | 14.9796% | 3,078 |
| Total risk-based capital ratio | 16.0882% | 3,066 |
| Memoranda: | ||
| Average total assets | $617,286,000 | 1,154 |
| Average earning assets | $568,424,500 | 1,149 |
| Average equity | $77,596,500 | 849 |
| Average total loans | $448,821,500 | 1,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8925% | 1,421 |
| Cost of funding earning assets | 2.5342% | 4,028 |
| Net interest margin | 4.3583% | 1,801 |
| Noninterest income to average assets | 0.8695% | 2,112 |
| Noninterest expense to average assets | 2.7826% | 4,897 |
| Loan and lease loss provision to assets | 0.3624% | 3,513 |
| Net operating income to assets | 1.2587% | 1,608 |
| Return on assets (ROA) | 1.2829% | 1,482 |
| Pretax return on assets | 1.7574% | 1,036 |
| Return on Equity (ROE) | 10.5591% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.8933% | 877 |
| Net charge-offs to loans | 0.2747% | 3,570 |
| Credit loss provision to net charge-offs | 182.7471% | 2,728 |
| Earnings coverage of net charge-offs (x) | 10.5218% | 2,500 |
| Efficiency ratio | 56.7369% | 6,901 |
| Assets per employee ($millions) | 3.4338% | 4,847 |
| Cash dividends to net income (ytd only)* | 25.2460% | 4,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,635 |
| Loan loss allowance to noncurrent loans | 88.8498% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 3,587 |
| Noncurrent loans to loans | 1.3377% | 3,840 |
| Net loans and leases to total assets | 72.1832% | 3,539 |
| Net loans and leases to deposits | 88.5783% | 3,708 |
| Net loans and leases to core deposits | 109.2882% | 3,828 |
| Total domestic deposits to total assets | 81.4908% | 4,413 |
| Equity capital to assets | 12.5554% | 1,982 |
| Core capital (leverage) ratio | 12.3144% | 1,829 |
| Tier 1 risk-based capital ratio | 14.1331% | 3,481 |
| Total risk-based capital ratio | 15.1887% | 3,492 |
| Memoranda: | ||
| Average total assets | $602,067,200 | 1,124 |
| Average earning assets | $552,526,400 | 1,113 |
| Average equity | $73,150,200 | 908 |
| Average total loans | $434,673,000 | 1,102 |