Home > State Bank of Texas > Performance and Condition Ratios
State Bank of Texas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9578% | 93 |
| Cost of funding earning assets | 3.8640% | 51 |
| Net interest margin | 5.0938% | 258 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 0.9831% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 4.0688% | 92 |
| Return on assets (ROA) | 4.0688% | 93 |
| Pretax return on assets | 4.0912% | 109 |
| Return on Equity (ROE) | 29.5100% | 119 |
| Retained earnings to average equity (ytd only) | -12.1422% | 4,296 |
| Net charge-offs to loans | 0.0051% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 982.5862% | 103 |
| Efficiency ratio | 19.3735% | 4,434 |
| Assets per employee ($millions) | 28.1842% | 53 |
| Cash dividends to net income (ytd only)* | 141.1482% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 2,680 |
| Loan loss allowance to noncurrent loans | 44.5820% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 205 |
| Noncurrent loans to loans | 2.4814% | 313 |
| Net loans and leases to total assets | 80.9100% | 514 |
| Net loans and leases to deposits | 96.6816% | 578 |
| Net loans and leases to core deposits | 132.5938% | 304 |
| Total domestic deposits to total assets | 83.6800% | 2,978 |
| Equity capital to assets | 13.5690% | 780 |
| Core capital (leverage) ratio | 13.8230% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,785,994,500 | 458 |
| Average earning assets | $2,648,144,500 | 433 |
| Average equity | $384,148,500 | 370 |
| Average total loans | $2,285,715,500 | 401 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0359% | 73 |
| Cost of funding earning assets | 4.4531% | 40 |
| Net interest margin | 5.5828% | 161 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 0.9765% | 4,411 |
| Loan and lease loss provision to assets | 0.5300% | 189 |
| Net operating income to assets | 4.0085% | 91 |
| Return on assets (ROA) | 4.0012% | 96 |
| Pretax return on assets | 4.0242% | 108 |
| Return on Equity (ROE) | 28.9500% | 117 |
| Retained earnings to average equity (ytd only) | 5.6420% | 1,962 |
| Net charge-offs to loans | 0.4932% | 297 |
| Credit loss provision to net charge-offs | 111.7798% | 1,748 |
| Earnings coverage of net charge-offs (x) | 11.3183% | 2,215 |
| Efficiency ratio | 17.6385% | 4,457 |
| Assets per employee ($millions) | 28.6779% | 49 |
| Cash dividends to net income (ytd only)* | 80.5120% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 2,666 |
| Loan loss allowance to noncurrent loans | 43.0383% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1851% | 162 |
| Noncurrent loans to loans | 2.5667% | 260 |
| Net loans and leases to total assets | 81.3700% | 508 |
| Net loans and leases to deposits | 99.3270% | 521 |
| Net loans and leases to core deposits | 138.2022% | 272 |
| Total domestic deposits to total assets | 81.9200% | 3,257 |
| Equity capital to assets | 14.0088% | 678 |
| Core capital (leverage) ratio | 14.1731% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,709,959,600 | 453 |
| Average earning assets | $2,562,760,200 | 432 |
| Average equity | $374,529,400 | 358 |
| Average total loans | $2,213,519,200 | 394 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1139% | 74 |
| Cost of funding earning assets | 4.4932% | 44 |
| Net interest margin | 5.6207% | 167 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 0.9989% | 4,433 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 4.6081% | 77 |
| Return on assets (ROA) | 4.5984% | 81 |
| Pretax return on assets | 4.6216% | 93 |
| Return on Equity (ROE) | 33.3900% | 85 |
| Retained earnings to average equity (ytd only) | 2.1017% | 3,440 |
| Net charge-offs to loans | 0.0679% | 1,225 |
| Credit loss provision to net charge-offs | 12.6118% | 2,212 |
| Earnings coverage of net charge-offs (x) | 85.1834% | 885 |
| Efficiency ratio | 17.4769% | 4,497 |
| Assets per employee ($millions) | 29.6011% | 48 |
| Cash dividends to net income (ytd only)* | 93.7056% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,271 |
| Loan loss allowance to noncurrent loans | 39.1613% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.1436% | 177 |
| Noncurrent loans to loans | 2.5474% | 274 |
| Net loans and leases to total assets | 81.2400% | 485 |
| Net loans and leases to deposits | 98.6973% | 557 |
| Net loans and leases to core deposits | 141.6809% | 237 |
| Total domestic deposits to total assets | 82.3100% | 3,028 |
| Equity capital to assets | 13.5018% | 835 |
| Core capital (leverage) ratio | 13.7839% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,692,010,500 | 449 |
| Average earning assets | $2,544,852,000 | 433 |
| Average equity | $370,739,250 | 351 |
| Average total loans | $2,194,732,250 | 392 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1901% | 76 |
| Cost of funding earning assets | 4.4909% | 36 |
| Net interest margin | 5.6991% | 155 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 0.9907% | 4,456 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 4.6648% | 78 |
| Return on assets (ROA) | 4.6647% | 80 |
| Pretax return on assets | 4.6882% | 95 |
| Return on Equity (ROE) | 33.6400% | 99 |
| Retained earnings to average equity (ytd only) | 2.6392% | 3,138 |
| Net charge-offs to loans | 0.1103% | 822 |
| Credit loss provision to net charge-offs | -24.2857% | 4,402 |
| Earnings coverage of net charge-offs (x) | 52.9555% | 1,078 |
| Efficiency ratio | 17.2506% | 4,513 |
| Assets per employee ($millions) | 28.7636% | 50 |
| Cash dividends to net income (ytd only)* | 92.1540% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,214 |
| Loan loss allowance to noncurrent loans | 48.9692% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.8219% | 218 |
| Noncurrent loans to loans | 2.0683% | 360 |
| Net loans and leases to total assets | 80.5300% | 613 |
| Net loans and leases to deposits | 94.7489% | 880 |
| Net loans and leases to core deposits | 137.7788% | 292 |
| Total domestic deposits to total assets | 85.0000% | 2,319 |
| Equity capital to assets | 13.7523% | 725 |
| Core capital (leverage) ratio | 14.0074% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,651,979,333 | 454 |
| Average earning assets | $2,506,464,000 | 437 |
| Average equity | $367,757,667 | 354 |
| Average total loans | $2,157,146,000 | 401 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1024% | 76 |
| Cost of funding earning assets | 4.4538% | 36 |
| Net interest margin | 5.6486% | 160 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 0.9788% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 4.7483% | 75 |
| Return on assets (ROA) | 4.7480% | 77 |
| Pretax return on assets | 4.7719% | 96 |
| Return on Equity (ROE) | 34.0900% | 102 |
| Retained earnings to average equity (ytd only) | -17.5937% | 4,416 |
| Net charge-offs to loans | 0.0358% | 1,186 |
| Credit loss provision to net charge-offs | -683.1579% | 4,532 |
| Earnings coverage of net charge-offs (x) | 163.9947% | 481 |
| Efficiency ratio | 17.0200% | 4,512 |
| Assets per employee ($millions) | 27.9352% | 59 |
| Cash dividends to net income (ytd only)* | 151.6080% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,077 |
| Loan loss allowance to noncurrent loans | 59.8792% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 305 |
| Noncurrent loans to loans | 1.7451% | 412 |
| Net loans and leases to total assets | 80.3200% | 584 |
| Net loans and leases to deposits | 93.9019% | 875 |
| Net loans and leases to core deposits | 138.1992% | 296 |
| Total domestic deposits to total assets | 85.5300% | 2,246 |
| Equity capital to assets | 13.3994% | 777 |
| Core capital (leverage) ratio | 13.7210% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,611,698,500 | 463 |
| Average earning assets | $2,467,922,500 | 443 |
| Average equity | $363,743,000 | 357 |
| Average total loans | $2,124,151,500 | 404 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1659% | 71 |
| Cost of funding earning assets | 3.6745% | 59 |
| Net interest margin | 6.4913% | 80 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.1861% | 4,467 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 4.9976% | 74 |
| Return on assets (ROA) | 4.9963% | 76 |
| Pretax return on assets | 5.0215% | 90 |
| Return on Equity (ROE) | 36.3100% | 114 |
| Retained earnings to average equity (ytd only) | 26.0320% | 65 |
| Net charge-offs to loans | -0.0021% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 18.3963% | 4,529 |
| Assets per employee ($millions) | 28.8713% | 54 |
| Cash dividends to net income (ytd only)* | 28.3093% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,577 |
| Loan loss allowance to noncurrent loans | 168.9551% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 1,011 |
| Noncurrent loans to loans | 0.6781% | 1,154 |
| Net loans and leases to total assets | 80.5700% | 575 |
| Net loans and leases to deposits | 96.1846% | 771 |
| Net loans and leases to core deposits | 144.4726% | 238 |
| Total domestic deposits to total assets | 83.7700% | 2,684 |
| Equity capital to assets | 14.4728% | 605 |
| Core capital (leverage) ratio | 15.2830% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,262,409,600 | 507 |
| Average earning assets | $2,117,703,200 | 496 |
| Average equity | $311,297,200 | 387 |
| Average total loans | $1,824,965,800 | 434 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0359% | 67 |
| Cost of funding earning assets | 3.4890% | 61 |
| Net interest margin | 6.5469% | 73 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.1912% | 4,482 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 5.0570% | 77 |
| Return on assets (ROA) | 5.0552% | 76 |
| Pretax return on assets | 5.0778% | 92 |
| Return on Equity (ROE) | 37.3100% | 141 |
| Retained earnings to average equity (ytd only) | 22.9013% | 171 |
| Net charge-offs to loans | -0.0072% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 18.3359% | 4,554 |
| Assets per employee ($millions) | 26.2589% | 61 |
| Cash dividends to net income (ytd only)* | 38.6156% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,592 |
| Loan loss allowance to noncurrent loans | 294.9993% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,729 |
| Noncurrent loans to loans | 0.3918% | 1,853 |
| Net loans and leases to total assets | 80.9000% | 554 |
| Net loans and leases to deposits | 99.5597% | 537 |
| Net loans and leases to core deposits | 147.1351% | 162 |
| Total domestic deposits to total assets | 81.2600% | 3,341 |
| Equity capital to assets | 13.7419% | 687 |
| Core capital (leverage) ratio | 14.8033% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,185,624,750 | 521 |
| Average earning assets | $2,042,207,000 | 512 |
| Average equity | $296,150,250 | 404 |
| Average total loans | $1,757,638,750 | 452 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0090% | 65 |
| Cost of funding earning assets | 3.2667% | 52 |
| Net interest margin | 6.7423% | 63 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.3009% | 4,471 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 5.1369% | 69 |
| Return on assets (ROA) | 5.1339% | 69 |
| Pretax return on assets | 5.1546% | 87 |
| Return on Equity (ROE) | 38.0900% | 120 |
| Retained earnings to average equity (ytd only) | 15.7593% | 497 |
| Net charge-offs to loans | -0.0105% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 19.4896% | 4,579 |
| Assets per employee ($millions) | 25.1881% | 59 |
| Cash dividends to net income (ytd only)* | 58.6252% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,591 |
| Loan loss allowance to noncurrent loans | 303.2127% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 1,657 |
| Noncurrent loans to loans | 0.3858% | 1,767 |
| Net loans and leases to total assets | 80.7700% | 546 |
| Net loans and leases to deposits | 97.9047% | 614 |
| Net loans and leases to core deposits | 142.2242% | 196 |
| Total domestic deposits to total assets | 82.5000% | 3,141 |
| Equity capital to assets | 13.8351% | 667 |
| Core capital (leverage) ratio | 14.2332% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,126,398,333 | 528 |
| Average earning assets | $1,983,868,667 | 517 |
| Average equity | $286,612,333 | 399 |
| Average total loans | $1,698,746,000 | 447 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6853% | 29 |
| Cost of funding earning assets | 3.0417% | 29 |
| Net interest margin | 6.6436% | 62 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 0.9681% | 4,629 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 5.3230% | 74 |
| Return on assets (ROA) | 5.3221% | 74 |
| Pretax return on assets | 5.3414% | 88 |
| Return on Equity (ROE) | 40.0400% | 114 |
| Retained earnings to average equity (ytd only) | -5.9498% | 4,363 |
| Net charge-offs to loans | -0.0044% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 14.8040% | 4,657 |
| Assets per employee ($millions) | 23.9653% | 70 |
| Cash dividends to net income (ytd only)* | 114.8600% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,779 |
| Loan loss allowance to noncurrent loans | 481.9932% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,168 |
| Noncurrent loans to loans | 0.2402% | 2,301 |
| Net loans and leases to total assets | 79.1700% | 622 |
| Net loans and leases to deposits | 91.7244% | 936 |
| Net loans and leases to core deposits | 131.2435% | 261 |
| Total domestic deposits to total assets | 86.3100% | 2,503 |
| Equity capital to assets | 12.9895% | 763 |
| Core capital (leverage) ratio | 13.5251% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,093,915,500 | 547 |
| Average earning assets | $1,952,608,500 | 535 |
| Average equity | $278,329,500 | 420 |
| Average total loans | $1,652,685,500 | 469 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5609% | 36 |
| Cost of funding earning assets | 1.3076% | 49 |
| Net interest margin | 6.2533% | 44 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.2186% | 4,604 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 4.7870% | 67 |
| Return on assets (ROA) | 4.7838% | 65 |
| Pretax return on assets | 4.8028% | 77 |
| Return on Equity (ROE) | 33.4900% | 80 |
| Retained earnings to average equity (ytd only) | 33.0654% | 28 |
| Net charge-offs to loans | 0.0021% | 2,453 |
| Credit loss provision to net charge-offs | 18,035.7143% | 41 |
| Earnings coverage of net charge-offs (x) | 2,992.6071% | 47 |
| Efficiency ratio | 19.2427% | 4,691 |
| Assets per employee ($millions) | 23.3514% | 75 |
| Cash dividends to net income (ytd only)* | 1.2758% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,564 |
| Loan loss allowance to noncurrent loans | 209.8937% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 1,183 |
| Noncurrent loans to loans | 0.5538% | 1,338 |
| Net loans and leases to total assets | 76.8200% | 917 |
| Net loans and leases to deposits | 92.1074% | 908 |
| Net loans and leases to core deposits | 129.3701% | 233 |
| Total domestic deposits to total assets | 83.4000% | 3,336 |
| Equity capital to assets | 13.6066% | 617 |
| Core capital (leverage) ratio | 14.9944% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,638,453,600 | 663 |
| Average earning assets | $1,519,290,600 | 648 |
| Average equity | $234,021,000 | 464 |
| Average total loans | $1,304,279,400 | 539 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9765% | 40 |
| Cost of funding earning assets | 0.8904% | 107 |
| Net interest margin | 6.0861% | 47 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.2156% | 4,618 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 4.4736% | 72 |
| Return on assets (ROA) | 4.4736% | 68 |
| Pretax return on assets | 4.4906% | 79 |
| Return on Equity (ROE) | 30.8300% | 98 |
| Retained earnings to average equity (ytd only) | 30.2330% | 33 |
| Net charge-offs to loans | 0.0151% | 1,566 |
| Credit loss provision to net charge-offs | 3,381.2950% | 164 |
| Earnings coverage of net charge-offs (x) | 405.5899% | 381 |
| Efficiency ratio | 19.8803% | 4,723 |
| Assets per employee ($millions) | 19.7735% | 105 |
| Cash dividends to net income (ytd only)* | 1.9425% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,312 |
| Loan loss allowance to noncurrent loans | 497.5811% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 2,240 |
| Noncurrent loans to loans | 0.2495% | 2,383 |
| Net loans and leases to total assets | 80.0200% | 528 |
| Net loans and leases to deposits | 99.9819% | 362 |
| Net loans and leases to core deposits | 131.2952% | 140 |
| Total domestic deposits to total assets | 80.0300% | 4,093 |
| Equity capital to assets | 13.9135% | 573 |
| Core capital (leverage) ratio | 15.2126% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,534,336,750 | 695 |
| Average earning assets | $1,421,220,250 | 687 |
| Average equity | $222,625,000 | 482 |
| Average total loans | $1,231,083,500 | 560 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0949% | 65 |
| Cost of funding earning assets | 0.6106% | 250 |
| Net interest margin | 5.4843% | 73 |
| Noninterest income to average assets | 0.5145% | 2,119 |
| Noninterest expense to average assets | 1.2526% | 4,610 |
| Loan and lease loss provision to assets | 0.3458% | 176 |
| Net operating income to assets | 3.9717% | 43 |
| Return on assets (ROA) | 3.9717% | 41 |
| Pretax return on assets | 3.9922% | 54 |
| Return on Equity (ROE) | 26.9143% | 85 |
| Retained earnings to average equity (ytd only) | 25.9770% | 29 |
| Net charge-offs to loans | 0.0488% | 907 |
| Credit loss provision to net charge-offs | 886.5248% | 443 |
| Earnings coverage of net charge-offs (x) | 111.2163% | 768 |
| Efficiency ratio | 22.4053% | 4,747 |
| Assets per employee ($millions) | 18.1435% | 122 |
| Cash dividends to net income (ytd only)* | 3.4825% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,571 |
| Loan loss allowance to noncurrent loans | 139.4355% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 736 |
| Noncurrent loans to loans | 0.8772% | 966 |
| Net loans and leases to total assets | 78.8176% | 498 |
| Net loans and leases to deposits | 97.9797% | 342 |
| Net loans and leases to core deposits | 123.4538% | 158 |
| Total domestic deposits to total assets | 80.4428% | 4,187 |
| Equity capital to assets | 14.2854% | 485 |
| Core capital (leverage) ratio | 15.7942% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,445,985,000 | 720 |
| Average earning assets | $1,338,327,000 | 720 |
| Average equity | $213,380,667 | 505 |
| Average total loans | $1,155,473,333 | 584 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7846% | 78 |
| Cost of funding earning assets | 0.5243% | 440 |
| Net interest margin | 5.2603% | 82 |
| Noninterest income to average assets | 0.4598% | 2,359 |
| Noninterest expense to average assets | 1.2656% | 4,642 |
| Loan and lease loss provision to assets | 0.1469% | 542 |
| Net operating income to assets | 3.9101% | 53 |
| Return on assets (ROA) | 3.9101% | 50 |
| Pretax return on assets | 3.9401% | 63 |
| Return on Equity (ROE) | 26.0047% | 84 |
| Retained earnings to average equity (ytd only) | 26.0047% | 48 |
| Net charge-offs to loans | 0.1748% | 344 |
| Credit loss provision to net charge-offs | 105.0420% | 984 |
| Earnings coverage of net charge-offs (x) | 29.2269% | 1,144 |
| Efficiency ratio | 23.6443% | 4,769 |
| Assets per employee ($millions) | 15.9210% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,733 |
| Loan loss allowance to noncurrent loans | 241.1984% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,335 |
| Noncurrent loans to loans | 0.5081% | 1,756 |
| Net loans and leases to total assets | 78.0406% | 373 |
| Net loans and leases to deposits | 96.4300% | 267 |
| Net loans and leases to core deposits | 117.2582% | 165 |
| Total domestic deposits to total assets | 80.9297% | 4,206 |
| Equity capital to assets | 14.9759% | 397 |
| Core capital (leverage) ratio | 15.7968% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,361,590,500 | 762 |
| Average earning assets | $1,266,466,000 | 762 |
| Average equity | $204,732,500 | 535 |
| Average total loans | $1,088,967,500 | 610 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2132% | 69 |
| Cost of funding earning assets | 0.5488% | 716 |
| Net interest margin | 5.6644% | 73 |
| Noninterest income to average assets | 0.7627% | 1,556 |
| Noninterest expense to average assets | 1.3347% | 4,658 |
| Loan and lease loss provision to assets | 0.2628% | 338 |
| Net operating income to assets | 4.3965% | 53 |
| Return on assets (ROA) | 4.4187% | 53 |
| Pretax return on assets | 4.4232% | 67 |
| Return on Equity (ROE) | 28.1586% | 83 |
| Retained earnings to average equity (ytd only) | 20.8394% | 52 |
| Net charge-offs to loans | -0.0304% | 4,128 |
| Credit loss provision to net charge-offs | -1,070.1439% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2509% | 4,818 |
| Assets per employee ($millions) | 15.3736% | 195 |
| Cash dividends to net income (ytd only)* | 25.9927% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,537 |
| Loan loss allowance to noncurrent loans | 127.2411% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 548 |
| Noncurrent loans to loans | 0.9937% | 1,001 |
| Net loans and leases to total assets | 79.9801% | 267 |
| Net loans and leases to deposits | 98.1460% | 247 |
| Net loans and leases to core deposits | 120.1744% | 162 |
| Total domestic deposits to total assets | 81.4909% | 4,041 |
| Equity capital to assets | 15.1003% | 482 |
| Core capital (leverage) ratio | 15.9458% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,131,860,800 | 874 |
| Average earning assets | $1,046,206,600 | 870 |
| Average equity | $177,615,200 | 613 |
| Average total loans | $915,567,800 | 714 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2859% | 69 |
| Cost of funding earning assets | 0.5655% | 766 |
| Net interest margin | 5.7204% | 76 |
| Noninterest income to average assets | 0.5687% | 2,339 |
| Noninterest expense to average assets | 1.4067% | 4,683 |
| Loan and lease loss provision to assets | 0.2797% | 299 |
| Net operating income to assets | 4.1427% | 60 |
| Return on assets (ROA) | 4.1616% | 60 |
| Pretax return on assets | 4.1813% | 77 |
| Return on Equity (ROE) | 26.2186% | 146 |
| Retained earnings to average equity (ytd only) | 16.1476% | 287 |
| Net charge-offs to loans | -0.0208% | 3,979 |
| Credit loss provision to net charge-offs | -1,660.5839% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0513% | 4,888 |
| Assets per employee ($millions) | 15.3829% | 194 |
| Cash dividends to net income (ytd only)* | 38.4115% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,485 |
| Loan loss allowance to noncurrent loans | 94.2836% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 511 |
| Noncurrent loans to loans | 1.3793% | 772 |
| Net loans and leases to total assets | 79.3160% | 329 |
| Net loans and leases to deposits | 96.3556% | 337 |
| Net loans and leases to core deposits | 118.0851% | 204 |
| Total domestic deposits to total assets | 82.3160% | 3,859 |
| Equity capital to assets | 15.1191% | 522 |
| Core capital (leverage) ratio | 15.7167% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,084,293,500 | 908 |
| Average earning assets | $1,000,846,000 | 910 |
| Average equity | $172,107,750 | 632 |
| Average total loans | $876,714,250 | 755 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0866% | 90 |
| Cost of funding earning assets | 0.5736% | 845 |
| Net interest margin | 5.5130% | 97 |
| Noninterest income to average assets | 0.4197% | 3,004 |
| Noninterest expense to average assets | 1.3840% | 4,733 |
| Loan and lease loss provision to assets | 0.3507% | 213 |
| Net operating income to assets | 3.7375% | 78 |
| Return on assets (ROA) | 3.7371% | 79 |
| Pretax return on assets | 3.7679% | 106 |
| Return on Equity (ROE) | 23.1168% | 258 |
| Retained earnings to average equity (ytd only) | 7.6620% | 2,204 |
| Net charge-offs to loans | -0.0152% | 3,860 |
| Credit loss provision to net charge-offs | -2,851.5625% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1493% | 4,920 |
| Assets per employee ($millions) | 14.3393% | 220 |
| Cash dividends to net income (ytd only)* | 66.8552% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,243 |
| Loan loss allowance to noncurrent loans | 109.0152% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 681 |
| Noncurrent loans to loans | 1.2290% | 979 |
| Net loans and leases to total assets | 80.1719% | 305 |
| Net loans and leases to deposits | 96.8072% | 359 |
| Net loans and leases to core deposits | 118.7448% | 234 |
| Total domestic deposits to total assets | 82.8161% | 3,745 |
| Equity capital to assets | 15.1784% | 501 |
| Core capital (leverage) ratio | 15.7494% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,040,642,000 | 938 |
| Average earning assets | $959,517,333 | 939 |
| Average equity | $168,232,333 | 643 |
| Average total loans | $843,423,667 | 784 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9489% | 118 |
| Cost of funding earning assets | 0.5923% | 906 |
| Net interest margin | 5.3566% | 124 |
| Noninterest income to average assets | 0.4297% | 2,934 |
| Noninterest expense to average assets | 1.3329% | 4,801 |
| Loan and lease loss provision to assets | 0.3194% | 276 |
| Net operating income to assets | 3.6465% | 97 |
| Return on assets (ROA) | 3.6457% | 103 |
| Pretax return on assets | 3.7096% | 122 |
| Return on Equity (ROE) | 21.8075% | 407 |
| Retained earnings to average equity (ytd only) | 21.8075% | 216 |
| Net charge-offs to loans | 0.0183% | 1,380 |
| Credit loss provision to net charge-offs | 2,162.1622% | 235 |
| Earnings coverage of net charge-offs (x) | 272.7568% | 320 |
| Efficiency ratio | 24.8548% | 4,940 |
| Assets per employee ($millions) | 13.5063% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,329 |
| Loan loss allowance to noncurrent loans | 96.5321% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 569 |
| Noncurrent loans to loans | 1.3707% | 927 |
| Net loans and leases to total assets | 80.2870% | 323 |
| Net loans and leases to deposits | 104.9879% | 189 |
| Net loans and leases to core deposits | 128.2098% | 162 |
| Total domestic deposits to total assets | 76.4726% | 4,558 |
| Equity capital to assets | 16.7688% | 333 |
| Core capital (leverage) ratio | 17.4531% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,001,728,500 | 954 |
| Average earning assets | $922,520,500 | 955 |
| Average equity | $167,465,500 | 640 |
| Average total loans | $810,698,000 | 805 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2874% | 69 |
| Cost of funding earning assets | 1.1264% | 360 |
| Net interest margin | 5.1610% | 100 |
| Noninterest income to average assets | 0.4708% | 2,769 |
| Noninterest expense to average assets | 1.4434% | 4,815 |
| Loan and lease loss provision to assets | 0.3002% | 1,251 |
| Net operating income to assets | 3.3955% | 73 |
| Return on assets (ROA) | 3.4000% | 75 |
| Pretax return on assets | 3.4959% | 88 |
| Return on Equity (ROE) | 21.1059% | 184 |
| Retained earnings to average equity (ytd only) | 7.6759% | 1,151 |
| Net charge-offs to loans | -0.0337% | 4,572 |
| Credit loss provision to net charge-offs | -1,114.4578% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.5727% | 4,970 |
| Assets per employee ($millions) | 13.0264% | 263 |
| Cash dividends to net income (ytd only)* | 63.6314% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,371 |
| Loan loss allowance to noncurrent loans | 117.9681% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 944 |
| Noncurrent loans to loans | 1.1092% | 1,282 |
| Net loans and leases to total assets | 79.4212% | 465 |
| Net loans and leases to deposits | 100.1484% | 372 |
| Net loans and leases to core deposits | 125.6936% | 248 |
| Total domestic deposits to total assets | 79.3035% | 4,165 |
| Equity capital to assets | 16.6640% | 367 |
| Core capital (leverage) ratio | 16.7287% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $924,430,600 | 946 |
| Average earning assets | $853,329,200 | 947 |
| Average equity | $148,920,600 | 682 |
| Average total loans | $739,688,800 | 839 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 83 |
| Cost of funding earning assets | 1.2618% | 291 |
| Net interest margin | 4.9142% | 163 |
| Noninterest income to average assets | 0.4360% | 2,904 |
| Noninterest expense to average assets | 1.3899% | 4,867 |
| Loan and lease loss provision to assets | 0.3182% | 1,247 |
| Net operating income to assets | 3.1651% | 79 |
| Return on assets (ROA) | 3.1712% | 81 |
| Pretax return on assets | 3.2754% | 101 |
| Return on Equity (ROE) | 19.8689% | 240 |
| Retained earnings to average equity (ytd only) | 1.5354% | 4,075 |
| Net charge-offs to loans | -0.0355% | 4,583 |
| Credit loss provision to net charge-offs | -1,121.1340% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9256% | 5,000 |
| Assets per employee ($millions) | 13.6929% | 219 |
| Cash dividends to net income (ytd only)* | 92.2722% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,439 |
| Loan loss allowance to noncurrent loans | 124.6990% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 882 |
| Noncurrent loans to loans | 0.9951% | 1,508 |
| Net loans and leases to total assets | 79.9853% | 621 |
| Net loans and leases to deposits | 102.9715% | 417 |
| Net loans and leases to core deposits | 133.2168% | 204 |
| Total domestic deposits to total assets | 77.6771% | 4,245 |
| Equity capital to assets | 15.9383% | 473 |
| Core capital (leverage) ratio | 16.7054% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $911,294,000 | 944 |
| Average earning assets | $842,142,250 | 940 |
| Average equity | $145,450,000 | 685 |
| Average total loans | $728,057,250 | 844 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2338% | 113 |
| Cost of funding earning assets | 1.4559% | 182 |
| Net interest margin | 4.7778% | 295 |
| Noninterest income to average assets | 0.4692% | 2,716 |
| Noninterest expense to average assets | 1.4270% | 4,889 |
| Loan and lease loss provision to assets | 0.2792% | 1,537 |
| Net operating income to assets | 3.0620% | 80 |
| Return on assets (ROA) | 3.0620% | 84 |
| Pretax return on assets | 3.1793% | 98 |
| Return on Equity (ROE) | 19.1749% | 292 |
| Retained earnings to average equity (ytd only) | -8.7952% | 4,891 |
| Net charge-offs to loans | -0.0309% | 4,556 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2101% | 5,022 |
| Assets per employee ($millions) | 13.0777% | 247 |
| Cash dividends to net income (ytd only)* | 145.8683% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,664 |
| Loan loss allowance to noncurrent loans | 89.8240% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 827 |
| Noncurrent loans to loans | 1.3029% | 1,187 |
| Net loans and leases to total assets | 79.5553% | 643 |
| Net loans and leases to deposits | 101.2493% | 478 |
| Net loans and leases to core deposits | 128.0466% | 284 |
| Total domestic deposits to total assets | 78.5737% | 4,099 |
| Equity capital to assets | 15.7707% | 497 |
| Core capital (leverage) ratio | 15.8588% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $895,556,667 | 943 |
| Average earning assets | $827,783,333 | 940 |
| Average equity | $143,010,000 | 683 |
| Average total loans | $711,977,333 | 847 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5419% | 83 |
| Cost of funding earning assets | 1.6546% | 154 |
| Net interest margin | 4.8873% | 237 |
| Noninterest income to average assets | 0.6066% | 2,016 |
| Noninterest expense to average assets | 1.5239% | 4,901 |
| Loan and lease loss provision to assets | 0.2484% | 1,246 |
| Net operating income to assets | 3.2348% | 54 |
| Return on assets (ROA) | 3.2348% | 52 |
| Pretax return on assets | 3.3703% | 63 |
| Return on Equity (ROE) | 20.1280% | 164 |
| Retained earnings to average equity (ytd only) | -36.0798% | 5,061 |
| Net charge-offs to loans | -0.0051% | 3,875 |
| Credit loss provision to net charge-offs | -6,111.1111% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6329% | 5,067 |
| Assets per employee ($millions) | 10.4334% | 339 |
| Cash dividends to net income (ytd only)* | 279.2516% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,262 |
| Loan loss allowance to noncurrent loans | 102.9342% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,238 |
| Noncurrent loans to loans | 1.0590% | 1,565 |
| Net loans and leases to total assets | 77.3109% | 1,080 |
| Net loans and leases to deposits | 92.3921% | 1,237 |
| Net loans and leases to core deposits | 119.0256% | 499 |
| Total domestic deposits to total assets | 83.6769% | 2,896 |
| Equity capital to assets | 14.6175% | 858 |
| Core capital (leverage) ratio | 15.5589% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $885,614,000 | 925 |
| Average earning assets | $821,962,500 | 919 |
| Average equity | $142,329,000 | 684 |
| Average total loans | $699,512,500 | 841 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8498% | 47 |
| Cost of funding earning assets | 1.6973% | 194 |
| Net interest margin | 6.1524% | 55 |
| Noninterest income to average assets | 0.8822% | 1,213 |
| Noninterest expense to average assets | 1.5743% | 4,962 |
| Loan and lease loss provision to assets | 0.3061% | 541 |
| Net operating income to assets | 4.6223% | 45 |
| Return on assets (ROA) | 4.6226% | 48 |
| Pretax return on assets | 4.7509% | 53 |
| Return on Equity (ROE) | 28.4087% | 47 |
| Retained earnings to average equity (ytd only) | 9.4189% | 607 |
| Net charge-offs to loans | 0.2809% | 746 |
| Credit loss provision to net charge-offs | 148.1994% | 1,734 |
| Earnings coverage of net charge-offs (x) | 24.4792% | 1,772 |
| Efficiency ratio | 23.7414% | 5,153 |
| Assets per employee ($millions) | 9.9197% | 367 |
| Cash dividends to net income (ytd only)* | 66.8449% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,133 |
| Loan loss allowance to noncurrent loans | 95.0785% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 1,011 |
| Noncurrent loans to loans | 1.1213% | 1,349 |
| Net loans and leases to total assets | 79.0206% | 930 |
| Net loans and leases to deposits | 98.2371% | 742 |
| Net loans and leases to core deposits | 126.6832% | 330 |
| Total domestic deposits to total assets | 80.4387% | 3,890 |
| Equity capital to assets | 17.6358% | 400 |
| Core capital (leverage) ratio | 17.8908% | 344 |
| Tier 1 risk-based capital ratio | 19.1981% | 1,478 |
| Total risk-based capital ratio | 20.1284% | 1,512 |
| Memoranda: | ||
| Average total assets | $873,795,000 | 900 |
| Average earning assets | $816,456,200 | 887 |
| Average equity | $142,182,000 | 657 |
| Average total loans | $642,675,800 | 861 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0940% | 43 |
| Cost of funding earning assets | 1.7029% | 199 |
| Net interest margin | 6.3911% | 48 |
| Noninterest income to average assets | 0.9003% | 1,140 |
| Noninterest expense to average assets | 1.5648% | 5,032 |
| Loan and lease loss provision to assets | 0.3261% | 429 |
| Net operating income to assets | 4.8733% | 38 |
| Return on assets (ROA) | 4.8738% | 40 |
| Pretax return on assets | 4.9983% | 50 |
| Return on Equity (ROE) | 30.5741% | 39 |
| Retained earnings to average equity (ytd only) | 4.8816% | 2,946 |
| Net charge-offs to loans | 0.4057% | 412 |
| Credit loss provision to net charge-offs | 111.6303% | 2,070 |
| Earnings coverage of net charge-offs (x) | 18.2232% | 2,059 |
| Efficiency ratio | 22.7155% | 5,232 |
| Assets per employee ($millions) | 9.2476% | 436 |
| Cash dividends to net income (ytd only)* | 84.0336% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,229 |
| Loan loss allowance to noncurrent loans | 116.6167% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 1,349 |
| Noncurrent loans to loans | 0.9092% | 1,758 |
| Net loans and leases to total assets | 75.0369% | 1,642 |
| Net loans and leases to deposits | 91.3409% | 1,525 |
| Net loans and leases to core deposits | 115.2463% | 688 |
| Total domestic deposits to total assets | 82.1504% | 3,432 |
| Equity capital to assets | 17.2170% | 465 |
| Core capital (leverage) ratio | 16.7116% | 473 |
| Tier 1 risk-based capital ratio | 19.8564% | 1,384 |
| Total risk-based capital ratio | 20.7842% | 1,420 |
| Memoranda: | ||
| Average total assets | $878,971,000 | 894 |
| Average earning assets | $823,600,500 | 877 |
| Average equity | $140,115,250 | 660 |
| Average total loans | $632,999,250 | 875 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1293% | 46 |
| Cost of funding earning assets | 1.6657% | 216 |
| Net interest margin | 6.4635% | 50 |
| Noninterest income to average assets | 0.8061% | 1,330 |
| Noninterest expense to average assets | 1.5312% | 5,103 |
| Loan and lease loss provision to assets | 0.0334% | 3,160 |
| Net operating income to assets | 5.2049% | 33 |
| Return on assets (ROA) | 5.2049% | 36 |
| Pretax return on assets | 5.3230% | 45 |
| Return on Equity (ROE) | 33.4704% | 30 |
| Retained earnings to average equity (ytd only) | 4.8142% | 2,859 |
| Net charge-offs to loans | 0.0031% | 3,053 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 2,404.0000% | 22 |
| Efficiency ratio | 22.2308% | 5,276 |
| Assets per employee ($millions) | 10.3168% | 311 |
| Cash dividends to net income (ytd only)* | 85.6164% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,442 |
| Loan loss allowance to noncurrent loans | 38.8166% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.0662% | 438 |
| Noncurrent loans to loans | 2.6532% | 418 |
| Net loans and leases to total assets | 70.7701% | 2,428 |
| Net loans and leases to deposits | 84.7425% | 2,404 |
| Net loans and leases to core deposits | 106.4991% | 1,218 |
| Total domestic deposits to total assets | 83.5120% | 3,045 |
| Equity capital to assets | 15.7470% | 664 |
| Core capital (leverage) ratio | 15.9892% | 543 |
| Tier 1 risk-based capital ratio | 19.1289% | 1,525 |
| Total risk-based capital ratio | 20.0225% | 1,573 |
| Memoranda: | ||
| Average total assets | $897,615,000 | 875 |
| Average earning assets | $844,554,000 | 854 |
| Average equity | $139,586,000 | 658 |
| Average total loans | $635,932,000 | 873 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2522% | 61 |
| Cost of funding earning assets | 1.6572% | 190 |
| Net interest margin | 5.5950% | 102 |
| Noninterest income to average assets | 0.6473% | 1,830 |
| Noninterest expense to average assets | 1.5587% | 5,130 |
| Loan and lease loss provision to assets | 0.0665% | 2,337 |
| Net operating income to assets | 4.1826% | 54 |
| Return on assets (ROA) | 4.1826% | 57 |
| Pretax return on assets | 4.2845% | 64 |
| Return on Equity (ROE) | 27.0639% | 75 |
| Retained earnings to average equity (ytd only) | 27.0639% | 37 |
| Net charge-offs to loans | 0.1910% | 728 |
| Credit loss provision to net charge-offs | 49.3421% | 1,980 |
| Earnings coverage of net charge-offs (x) | 32.3026% | 1,285 |
| Efficiency ratio | 26.3758% | 5,328 |
| Assets per employee ($millions) | 9.6323% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,782 |
| Loan loss allowance to noncurrent loans | 41.0391% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8774% | 549 |
| Noncurrent loans to loans | 2.4071% | 555 |
| Net loans and leases to total assets | 70.5758% | 2,394 |
| Net loans and leases to deposits | 85.1778% | 2,230 |
| Net loans and leases to core deposits | 104.5312% | 1,273 |
| Total domestic deposits to total assets | 82.8570% | 3,435 |
| Equity capital to assets | 16.3762% | 518 |
| Core capital (leverage) ratio | 16.1936% | 508 |
| Tier 1 risk-based capital ratio | 20.1448% | 1,316 |
| Total risk-based capital ratio | 21.0064% | 1,364 |
| Memoranda: | ||
| Average total assets | $902,798,000 | 869 |
| Average earning assets | $849,121,000 | 854 |
| Average equity | $139,521,500 | 658 |
| Average total loans | $636,677,500 | 875 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4019% | 56 |
| Cost of funding earning assets | 1.3196% | 200 |
| Net interest margin | 6.0823% | 68 |
| Noninterest income to average assets | 0.9267% | 1,114 |
| Noninterest expense to average assets | 1.7126% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 4.7727% | 37 |
| Return on assets (ROA) | 4.5371% | 39 |
| Pretax return on assets | 4.6600% | 50 |
| Return on Equity (ROE) | 26.4110% | 70 |
| Retained earnings to average equity (ytd only) | -8.5420% | 5,298 |
| Net charge-offs to loans | -0.2612% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8875% | 5,376 |
| Assets per employee ($millions) | 7.9261% | 677 |
| Cash dividends to net income (ytd only)* | 132.3426% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,727 |
| Loan loss allowance to noncurrent loans | 41.5249% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8353% | 555 |
| Noncurrent loans to loans | 2.3996% | 523 |
| Net loans and leases to total assets | 69.0974% | 2,717 |
| Net loans and leases to deposits | 81.6650% | 2,775 |
| Net loans and leases to core deposits | 99.6948% | 1,734 |
| Total domestic deposits to total assets | 84.6109% | 2,794 |
| Equity capital to assets | 14.5658% | 819 |
| Core capital (leverage) ratio | 15.9050% | 524 |
| Tier 1 risk-based capital ratio | 18.4196% | 1,641 |
| Total risk-based capital ratio | 19.2831% | 1,705 |
| Memoranda: | ||
| Average total assets | $843,112,800 | 904 |
| Average earning assets | $788,563,000 | 894 |
| Average equity | $144,837,600 | 599 |
| Average total loans | $629,451,800 | 857 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3744% | 53 |
| Cost of funding earning assets | 1.2464% | 198 |
| Net interest margin | 6.1280% | 69 |
| Noninterest income to average assets | 0.9273% | 1,117 |
| Noninterest expense to average assets | 1.7737% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 4.7393% | 37 |
| Return on assets (ROA) | 4.6486% | 39 |
| Pretax return on assets | 4.7846% | 49 |
| Return on Equity (ROE) | 25.9582% | 71 |
| Retained earnings to average equity (ytd only) | -1.7122% | 5,177 |
| Net charge-offs to loans | -0.2241% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6644% | 5,445 |
| Assets per employee ($millions) | 6.9114% | 968 |
| Cash dividends to net income (ytd only)* | 106.5959% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,329 |
| Loan loss allowance to noncurrent loans | 93.0863% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,535 |
| Noncurrent loans to loans | 0.9489% | 1,794 |
| Net loans and leases to total assets | 77.2226% | 1,461 |
| Net loans and leases to deposits | 94.2636% | 1,355 |
| Net loans and leases to core deposits | 116.1575% | 706 |
| Total domestic deposits to total assets | 81.9220% | 3,637 |
| Equity capital to assets | 17.3449% | 398 |
| Core capital (leverage) ratio | 17.4307% | 379 |
| Tier 1 risk-based capital ratio | 19.6405% | 1,412 |
| Total risk-based capital ratio | 20.4173% | 1,466 |
| Memoranda: | ||
| Average total assets | $824,035,500 | 931 |
| Average earning assets | $769,780,750 | 912 |
| Average equity | $147,566,750 | 578 |
| Average total loans | $626,392,000 | 862 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4104% | 51 |
| Cost of funding earning assets | 1.1223% | 264 |
| Net interest margin | 6.2882% | 61 |
| Noninterest income to average assets | 0.8894% | 1,214 |
| Noninterest expense to average assets | 1.7942% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 4.8015% | 37 |
| Return on assets (ROA) | 4.6643% | 38 |
| Pretax return on assets | 4.8224% | 46 |
| Return on Equity (ROE) | 25.7680% | 72 |
| Retained earnings to average equity (ytd only) | -15.6157% | 5,477 |
| Net charge-offs to loans | -0.4356% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5492% | 5,506 |
| Assets per employee ($millions) | 6.2644% | 1,288 |
| Cash dividends to net income (ytd only)* | 160.6010% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,084 |
| Loan loss allowance to noncurrent loans | 39.9659% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.0067% | 536 |
| Noncurrent loans to loans | 2.3921% | 556 |
| Net loans and leases to total assets | 77.4980% | 1,394 |
| Net loans and leases to deposits | 99.5132% | 838 |
| Net loans and leases to core deposits | 121.2469% | 536 |
| Total domestic deposits to total assets | 77.8771% | 4,607 |
| Equity capital to assets | 16.8249% | 415 |
| Core capital (leverage) ratio | 17.2677% | 366 |
| Tier 1 risk-based capital ratio | 19.0962% | 1,531 |
| Total risk-based capital ratio | 19.9443% | 1,592 |
| Memoranda: | ||
| Average total assets | $817,649,000 | 938 |
| Average earning assets | $763,085,670 | 919 |
| Average equity | $148,005,330 | 571 |
| Average total loans | $616,209,330 | 872 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1651% | 53 |
| Cost of funding earning assets | 1.0563% | 285 |
| Net interest margin | 6.1088% | 62 |
| Noninterest income to average assets | 0.7768% | 1,531 |
| Noninterest expense to average assets | 1.7776% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 4.4742% | 44 |
| Return on assets (ROA) | 4.2061% | 46 |
| Pretax return on assets | 4.4263% | 57 |
| Return on Equity (ROE) | 22.4496% | 151 |
| Retained earnings to average equity (ytd only) | 21.4724% | 80 |
| Net charge-offs to loans | -0.9437% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4068% | 5,571 |
| Assets per employee ($millions) | 5.7895% | 1,693 |
| Cash dividends to net income (ytd only)* | 4.3529% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,952 |
| Loan loss allowance to noncurrent loans | 36.5686% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.2899% | 440 |
| Noncurrent loans to loans | 2.7364% | 462 |
| Net loans and leases to total assets | 76.5157% | 1,456 |
| Net loans and leases to deposits | 95.8640% | 1,050 |
| Net loans and leases to core deposits | 110.2156% | 993 |
| Total domestic deposits to total assets | 79.8170% | 4,446 |
| Equity capital to assets | 19.6193% | 228 |
| Core capital (leverage) ratio | 19.0933% | 249 |
| Tier 1 risk-based capital ratio | 22.6369% | 978 |
| Total risk-based capital ratio | 23.5277% | 998 |
| Memoranda: | ||
| Average total assets | $819,289,500 | 939 |
| Average earning assets | $765,714,500 | 924 |
| Average equity | $153,499,500 | 550 |
| Average total loans | $605,708,500 | 886 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4180% | 50 |
| Cost of funding earning assets | 0.9622% | 269 |
| Net interest margin | 6.4559% | 49 |
| Noninterest income to average assets | 4.7990% | 109 |
| Noninterest expense to average assets | 2.2715% | 4,407 |
| Loan and lease loss provision to assets | 0.0948% | 2,307 |
| Net operating income to assets | 8.3585% | 19 |
| Return on assets (ROA) | 8.3378% | 19 |
| Pretax return on assets | 8.4090% | 25 |
| Return on Equity (ROE) | 45.6823% | 13 |
| Retained earnings to average equity (ytd only) | 16.2935% | 62 |
| Net charge-offs to loans | 0.4048% | 618 |
| Credit loss provision to net charge-offs | 33.1126% | 3,509 |
| Earnings coverage of net charge-offs (x) | 29.7653% | 1,557 |
| Efficiency ratio | 20.0384% | 5,647 |
| Assets per employee ($millions) | 6.3608% | 1,280 |
| Cash dividends to net income (ytd only)* | 64.3331% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,833 |
| Loan loss allowance to noncurrent loans | 53.9038% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 1,095 |
| Noncurrent loans to loans | 1.4837% | 1,152 |
| Net loans and leases to total assets | 70.1698% | 2,500 |
| Net loans and leases to deposits | 86.1287% | 2,248 |
| Net loans and leases to core deposits | 99.1760% | 1,775 |
| Total domestic deposits to total assets | 81.4708% | 4,009 |
| Equity capital to assets | 17.9024% | 324 |
| Core capital (leverage) ratio | 17.3252% | 346 |
| Tier 1 risk-based capital ratio | 22.5119% | 962 |
| Total risk-based capital ratio | 23.2300% | 1,003 |
| Memoranda: | ||
| Average total assets | $843,588,800 | 883 |
| Average earning assets | $783,644,000 | 881 |
| Average equity | $153,969,800 | 536 |
| Average total loans | $596,863,000 | 868 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4845% | 47 |
| Cost of funding earning assets | 0.9254% | 301 |
| Net interest margin | 6.5591% | 47 |
| Noninterest income to average assets | 5.9676% | 97 |
| Noninterest expense to average assets | 2.3473% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 9.6335% | 18 |
| Return on assets (ROA) | 9.6060% | 18 |
| Pretax return on assets | 9.6770% | 23 |
| Return on Equity (ROE) | 52.3812% | 11 |
| Retained earnings to average equity (ytd only) | 43.5576% | 3 |
| Net charge-offs to loans | 0.0254% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 539.2409% | 188 |
| Efficiency ratio | 18.2817% | 5,717 |
| Assets per employee ($millions) | 6.3372% | 1,285 |
| Cash dividends to net income (ytd only)* | 16.8450% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,885 |
| Loan loss allowance to noncurrent loans | 66.1098% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3563% | 482 |
| Noncurrent loans to loans | 1.5634% | 1,190 |
| Net loans and leases to total assets | 71.0264% | 2,407 |
| Net loans and leases to deposits | 90.4719% | 1,745 |
| Net loans and leases to core deposits | 105.1718% | 1,322 |
| Total domestic deposits to total assets | 78.5066% | 4,627 |
| Equity capital to assets | 20.9300% | 192 |
| Core capital (leverage) ratio | 20.8135% | 185 |
| Tier 1 risk-based capital ratio | 25.9340% | 686 |
| Total risk-based capital ratio | 26.8633% | 694 |
| Memoranda: | ||
| Average total assets | $844,578,250 | 888 |
| Average earning assets | $783,462,000 | 882 |
| Average equity | $154,883,750 | 538 |
| Average total loans | $597,599,500 | 876 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6336% | 43 |
| Cost of funding earning assets | 0.8991% | 307 |
| Net interest margin | 6.7345% | 46 |
| Noninterest income to average assets | 8.4152% | 74 |
| Noninterest expense to average assets | 2.5872% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 12.0044% | 15 |
| Return on assets (ROA) | 11.9604% | 15 |
| Pretax return on assets | 12.0314% | 23 |
| Return on Equity (ROE) | 68.4344% | 8 |
| Retained earnings to average equity (ytd only) | 54.5558% | 4 |
| Net charge-offs to loans | -0.0013% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.0386% | 5,772 |
| Assets per employee ($millions) | 6.1449% | 1,362 |
| Cash dividends to net income (ytd only)* | 20.2802% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,051 |
| Loan loss allowance to noncurrent loans | 54.3423% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.6241% | 390 |
| Noncurrent loans to loans | 1.8695% | 942 |
| Net loans and leases to total assets | 74.2680% | 1,818 |
| Net loans and leases to deposits | 101.3692% | 649 |
| Net loans and leases to core deposits | 120.3033% | 548 |
| Total domestic deposits to total assets | 73.2649% | 5,358 |
| Equity capital to assets | 19.8809% | 224 |
| Core capital (leverage) ratio | 18.4856% | 273 |
| Tier 1 risk-based capital ratio | 23.9641% | 853 |
| Total risk-based capital ratio | 24.8939% | 872 |
| Memoranda: | ||
| Average total assets | $845,157,330 | 894 |
| Average earning assets | $784,083,330 | 887 |
| Average equity | $147,709,330 | 553 |
| Average total loans | $595,168,670 | 886 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1064% | 58 |
| Cost of funding earning assets | 0.8665% | 343 |
| Net interest margin | 6.2399% | 60 |
| Noninterest income to average assets | 15.7598% | 46 |
| Noninterest expense to average assets | 2.4799% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 19.0120% | 9 |
| Return on assets (ROA) | 19.0153% | 9 |
| Pretax return on assets | 19.0859% | 15 |
| Return on Equity (ROE) | 116.6916% | 3 |
| Retained earnings to average equity (ytd only) | 87.0869% | 3 |
| Net charge-offs to loans | 0.0200% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,398.1034% | 26 |
| Efficiency ratio | 10.6496% | 5,848 |
| Assets per employee ($millions) | 4.3611% | 3,400 |
| Cash dividends to net income (ytd only)* | 25.3700% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,505 |
| Loan loss allowance to noncurrent loans | 48.2782% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 490 |
| Noncurrent loans to loans | 1.9850% | 901 |
| Net loans and leases to total assets | 68.2606% | 2,635 |
| Net loans and leases to deposits | 83.7649% | 2,312 |
| Net loans and leases to core deposits | 92.8870% | 2,080 |
| Total domestic deposits to total assets | 81.4906% | 4,300 |
| Equity capital to assets | 16.0502% | 487 |
| Core capital (leverage) ratio | 16.8312% | 377 |
| Tier 1 risk-based capital ratio | 19.0975% | 1,592 |
| Total risk-based capital ratio | 19.9013% | 1,660 |
| Memoranda: | ||
| Average total assets | $849,886,000 | 894 |
| Average earning assets | $790,330,500 | 886 |
| Average equity | $138,491,500 | 582 |
| Average total loans | $579,239,000 | 899 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7390% | 45 |
| Cost of funding earning assets | 0.8318% | 425 |
| Net interest margin | 6.9072% | 42 |
| Noninterest income to average assets | 1.4491% | 550 |
| Noninterest expense to average assets | 1.3902% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 6.4114% | 24 |
| Return on assets (ROA) | 6.3662% | 25 |
| Pretax return on assets | 6.4046% | 36 |
| Return on Equity (ROE) | 35.4221% | 22 |
| Retained earnings to average equity (ytd only) | 10.0185% | 404 |
| Net charge-offs to loans | 0.0757% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 116.3115% | 520 |
| Efficiency ratio | 17.7310% | 5,898 |
| Assets per employee ($millions) | 15.1087% | 83 |
| Cash dividends to net income (ytd only)* | 71.7169% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,652 |
| Loan loss allowance to noncurrent loans | 400.3774% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 1,215 |
| Noncurrent loans to loans | 0.3198% | 4,002 |
| Net loans and leases to total assets | 66.3021% | 3,030 |
| Net loans and leases to deposits | 81.4074% | 2,738 |
| Net loans and leases to core deposits | 92.5216% | 2,249 |
| Total domestic deposits to total assets | 81.4448% | 4,220 |
| Equity capital to assets | 16.6129% | 430 |
| Core capital (leverage) ratio | 17.1604% | 348 |
| Tier 1 risk-based capital ratio | 20.0354% | 1,368 |
| Total risk-based capital ratio | 21.0655% | 1,384 |
| Memoranda: | ||
| Average total assets | $688,837,200 | 1,032 |
| Average earning assets | $637,380,000 | 1,021 |
| Average equity | $123,801,400 | 646 |
| Average total loans | $504,359,600 | 967 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5187% | 46 |
| Cost of funding earning assets | 0.8002% | 505 |
| Net interest margin | 6.7185% | 45 |
| Noninterest income to average assets | 1.6924% | 433 |
| Noninterest expense to average assets | 1.4353% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 6.3765% | 25 |
| Return on assets (ROA) | 6.3905% | 26 |
| Pretax return on assets | 6.4783% | 38 |
| Return on Equity (ROE) | 34.8356% | 21 |
| Retained earnings to average equity (ytd only) | 18.4387% | 75 |
| Net charge-offs to loans | 0.2210% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.0607% | 1,267 |
| Efficiency ratio | 18.1702% | 5,966 |
| Assets per employee ($millions) | 13.2358% | 124 |
| Cash dividends to net income (ytd only)* | 47.0694% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,403 |
| Loan loss allowance to noncurrent loans | 325.9239% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8263% | 894 |
| Noncurrent loans to loans | 0.3604% | 3,965 |
| Net loans and leases to total assets | 72.2389% | 2,150 |
| Net loans and leases to deposits | 91.9274% | 1,507 |
| Net loans and leases to core deposits | 105.0957% | 1,272 |
| Total domestic deposits to total assets | 78.5825% | 4,814 |
| Equity capital to assets | 19.1985% | 258 |
| Core capital (leverage) ratio | 18.4740% | 266 |
| Tier 1 risk-based capital ratio | 21.1625% | 1,241 |
| Total risk-based capital ratio | 22.1344% | 1,272 |
| Memoranda: | ||
| Average total assets | $675,964,500 | 1,049 |
| Average earning assets | $624,508,250 | 1,044 |
| Average equity | $124,004,250 | 645 |
| Average total loans | $506,144,750 | 971 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2292% | 50 |
| Cost of funding earning assets | 0.7376% | 670 |
| Net interest margin | 6.4916% | 52 |
| Noninterest income to average assets | 2.2418% | 298 |
| Noninterest expense to average assets | 1.4485% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 6.7064% | 23 |
| Return on assets (ROA) | 6.7064% | 24 |
| Pretax return on assets | 6.7927% | 37 |
| Return on Equity (ROE) | 37.1479% | 22 |
| Retained earnings to average equity (ytd only) | 12.0023% | 324 |
| Net charge-offs to loans | 0.2670% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.7061% | 1,299 |
| Efficiency ratio | 17.5763% | 6,043 |
| Assets per employee ($millions) | 13.6028% | 106 |
| Cash dividends to net income (ytd only)* | 67.6905% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,340 |
| Loan loss allowance to noncurrent loans | 185.7711% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 526 |
| Noncurrent loans to loans | 0.6477% | 3,133 |
| Net loans and leases to total assets | 73.2937% | 1,962 |
| Net loans and leases to deposits | 92.0851% | 1,501 |
| Net loans and leases to core deposits | 103.6381% | 1,347 |
| Total domestic deposits to total assets | 79.5934% | 4,648 |
| Equity capital to assets | 18.0935% | 333 |
| Core capital (leverage) ratio | 17.8950% | 302 |
| Tier 1 risk-based capital ratio | 20.0830% | 1,445 |
| Total risk-based capital ratio | 21.1096% | 1,451 |
| Memoranda: | ||
| Average total assets | $671,865,670 | 1,060 |
| Average earning assets | $620,923,000 | 1,051 |
| Average equity | $121,293,670 | 659 |
| Average total loans | $507,159,330 | 969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1379% | 53 |
| Cost of funding earning assets | 0.6678% | 958 |
| Net interest margin | 6.4701% | 52 |
| Noninterest income to average assets | 3.9914% | 151 |
| Noninterest expense to average assets | 1.4443% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 8.4585% | 23 |
| Return on assets (ROA) | 8.4585% | 22 |
| Pretax return on assets | 8.5424% | 28 |
| Return on Equity (ROE) | 46.9064% | 22 |
| Retained earnings to average equity (ytd only) | 46.0759% | 12 |
| Net charge-offs to loans | 0.0362% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 192 |
| Efficiency ratio | 14.4622% | 6,109 |
| Assets per employee ($millions) | 12.7444% | 131 |
| Cash dividends to net income (ytd only)* | 1.7705% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 2,784 |
| Loan loss allowance to noncurrent loans | 48.7241% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.9460% | 434 |
| Noncurrent loans to loans | 2.7146% | 653 |
| Net loans and leases to total assets | 74.0236% | 1,722 |
| Net loans and leases to deposits | 103.4445% | 439 |
| Net loans and leases to core deposits | 118.8161% | 501 |
| Total domestic deposits to total assets | 71.5587% | 5,799 |
| Equity capital to assets | 18.8630% | 266 |
| Core capital (leverage) ratio | 18.9045% | 238 |
| Tier 1 risk-based capital ratio | 21.6629% | 1,208 |
| Total risk-based capital ratio | 22.8209% | 1,204 |
| Memoranda: | ||
| Average total assets | $667,729,500 | 1,061 |
| Average earning assets | $618,727,500 | 1,056 |
| Average equity | $120,410,000 | 666 |
| Average total loans | $508,454,500 | 965 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7531% | 44 |
| Cost of funding earning assets | 0.3634% | 3,546 |
| Net interest margin | 7.3897% | 37 |
| Noninterest income to average assets | 0.4411% | 3,741 |
| Noninterest expense to average assets | 1.5046% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 5.8282% | 36 |
| Return on assets (ROA) | 5.8356% | 35 |
| Pretax return on assets | 5.9520% | 44 |
| Return on Equity (ROE) | 31.7002% | 46 |
| Retained earnings to average equity (ytd only) | -20.3704% | 6,120 |
| Net charge-offs to loans | 0.0819% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 100.8837% | 568 |
| Efficiency ratio | 19.5070% | 6,165 |
| Assets per employee ($millions) | 12.9413% | 122 |
| Cash dividends to net income (ytd only)* | 164.2597% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,784 |
| Loan loss allowance to noncurrent loans | 106.1340% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9450% | 919 |
| Noncurrent loans to loans | 1.2462% | 1,894 |
| Net loans and leases to total assets | 76.2818% | 1,366 |
| Net loans and leases to deposits | 101.6044% | 567 |
| Net loans and leases to core deposits | 113.3479% | 715 |
| Total domestic deposits to total assets | 75.0773% | 5,546 |
| Equity capital to assets | 17.1831% | 389 |
| Core capital (leverage) ratio | 16.9997% | 364 |
| Tier 1 risk-based capital ratio | 19.2722% | 1,636 |
| Total risk-based capital ratio | 20.4384% | 1,616 |
| Memoranda: | ||
| Average total assets | $729,751,200 | 947 |
| Average earning assets | $692,056,400 | 925 |
| Average equity | $134,336,800 | 566 |
| Average total loans | $524,748,600 | 890 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5188% | 48 |
| Cost of funding earning assets | 0.3860% | 3,381 |
| Net interest margin | 7.1328% | 42 |
| Noninterest income to average assets | 0.2521% | 5,135 |
| Noninterest expense to average assets | 1.4407% | 6,076 |
| Loan and lease loss provision to assets | 0.1071% | 2,089 |
| Net operating income to assets | 5.5037% | 43 |
| Return on assets (ROA) | 5.5133% | 43 |
| Pretax return on assets | 5.5133% | 46 |
| Return on Equity (ROE) | 29.5159% | 59 |
| Retained earnings to average equity (ytd only) | 1.2390% | 5,227 |
| Net charge-offs to loans | -0.0189% | 5,189 |
| Credit loss provision to net charge-offs | -800.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.7156% | 6,254 |
| Assets per employee ($millions) | 12.7815% | 127 |
| Cash dividends to net income (ytd only)* | 95.8022% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,932 |
| Loan loss allowance to noncurrent loans | 66.7999% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.7325% | 593 |
| Noncurrent loans to loans | 2.3371% | 902 |
| Net loans and leases to total assets | 74.5024% | 1,638 |
| Net loans and leases to deposits | 96.9443% | 915 |
| Net loans and leases to core deposits | 108.3271% | 965 |
| Total domestic deposits to total assets | 76.8507% | 5,367 |
| Equity capital to assets | 21.2434% | 182 |
| Core capital (leverage) ratio | 20.1540% | 203 |
| Tier 1 risk-based capital ratio | 24.8350% | 871 |
| Total risk-based capital ratio | 26.0867% | 859 |
| Memoranda: | ||
| Average total assets | $747,188,000 | 932 |
| Average earning assets | $712,260,750 | 896 |
| Average equity | $139,568,750 | 543 |
| Average total loans | $528,383,000 | 894 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1843% | 56 |
| Cost of funding earning assets | 0.3999% | 3,278 |
| Net interest margin | 6.7844% | 47 |
| Noninterest income to average assets | 0.2460% | 5,195 |
| Noninterest expense to average assets | 1.4710% | 6,130 |
| Loan and lease loss provision to assets | 0.1549% | 1,372 |
| Net operating income to assets | 5.0985% | 46 |
| Return on assets (ROA) | 5.1124% | 46 |
| Pretax return on assets | 5.1124% | 58 |
| Return on Equity (ROE) | 28.4879% | 78 |
| Retained earnings to average equity (ytd only) | 0.2920% | 5,418 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.1579% | 6,324 |
| Assets per employee ($millions) | 12.9970% | 114 |
| Cash dividends to net income (ytd only)* | 98.9749% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 2,179 |
| Loan loss allowance to noncurrent loans | 73.7251% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 841 |
| Noncurrent loans to loans | 2.0711% | 1,163 |
| Net loans and leases to total assets | 70.1705% | 2,288 |
| Net loans and leases to deposits | 88.9605% | 1,724 |
| Net loans and leases to core deposits | 96.8611% | 1,727 |
| Total domestic deposits to total assets | 78.8783% | 5,119 |
| Equity capital to assets | 19.4847% | 245 |
| Core capital (leverage) ratio | 18.7402% | 249 |
| Tier 1 risk-based capital ratio | 24.1326% | 940 |
| Total risk-based capital ratio | 25.3838% | 929 |
| Memoranda: | ||
| Average total assets | $774,704,330 | 901 |
| Average earning assets | $739,752,670 | 871 |
| Average equity | $139,027,670 | 547 |
| Average total loans | $536,835,670 | 881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9216% | 60 |
| Cost of funding earning assets | 0.4183% | 3,099 |
| Net interest margin | 6.5034% | 56 |
| Noninterest income to average assets | 0.2968% | 4,793 |
| Noninterest expense to average assets | 1.4218% | 6,221 |
| Loan and lease loss provision to assets | 0.2983% | 492 |
| Net operating income to assets | 4.8146% | 48 |
| Return on assets (ROA) | 4.8414% | 49 |
| Pretax return on assets | 4.8414% | 62 |
| Return on Equity (ROE) | 28.0461% | 68 |
| Retained earnings to average equity (ytd only) | 0.6883% | 5,174 |
| Net charge-offs to loans | -0.0124% | 4,815 |
| Credit loss provision to net charge-offs | -3,529.4118% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.0498% | 6,393 |
| Assets per employee ($millions) | 14.3396% | 88 |
| Cash dividends to net income (ytd only)* | 97.5459% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 2,768 |
| Loan loss allowance to noncurrent loans | 48.8072% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.3858% | 915 |
| Noncurrent loans to loans | 2.9391% | 756 |
| Net loans and leases to total assets | 69.1683% | 2,256 |
| Net loans and leases to deposits | 86.2160% | 1,804 |
| Net loans and leases to core deposits | 94.0401% | 1,765 |
| Total domestic deposits to total assets | 80.2267% | 5,003 |
| Equity capital to assets | 17.9935% | 331 |
| Core capital (leverage) ratio | 17.4859% | 321 |
| Tier 1 risk-based capital ratio | 23.1906% | 1,084 |
| Total risk-based capital ratio | 24.4412% | 1,059 |
| Memoranda: | ||
| Average total assets | $804,640,000 | 880 |
| Average earning assets | $771,781,500 | 836 |
| Average equity | $138,900,000 | 549 |
| Average total loans | $550,563,500 | 853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0575% | 66 |
| Cost of funding earning assets | 0.4555% | 3,117 |
| Net interest margin | 6.6020% | 60 |
| Noninterest income to average assets | 7.2590% | 91 |
| Noninterest expense to average assets | 1.7857% | 6,085 |
| Loan and lease loss provision to assets | 0.2416% | 972 |
| Net operating income to assets | 11.4248% | 17 |
| Return on assets (ROA) | 11.4287% | 17 |
| Pretax return on assets | 11.4287% | 26 |
| Return on Equity (ROE) | 55.2938% | 13 |
| Retained earnings to average equity (ytd only) | 51.2998% | 6 |
| Net charge-offs to loans | -0.0465% | 5,908 |
| Credit loss provision to net charge-offs | -705.8824% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.0682% | 6,500 |
| Assets per employee ($millions) | 11.4375% | 166 |
| Cash dividends to net income (ytd only)* | 7.2233% | 4,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 3,501 |
| Loan loss allowance to noncurrent loans | 35.0728% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 2.6553% | 844 |
| Noncurrent loans to loans | 3.6695% | 539 |
| Net loans and leases to total assets | 65.9396% | 2,896 |
| Net loans and leases to deposits | 80.6701% | 2,646 |
| Net loans and leases to core deposits | 87.2720% | 2,586 |
| Total domestic deposits to total assets | 81.7399% | 4,506 |
| Equity capital to assets | 16.5843% | 473 |
| Core capital (leverage) ratio | 18.6251% | 262 |
| Tier 1 risk-based capital ratio | 23.2936% | 1,035 |
| Total risk-based capital ratio | 24.5008% | 1,021 |
| Memoranda: | ||
| Average total assets | $496,654,600 | 1,340 |
| Average earning assets | $465,904,200 | 1,317 |
| Average equity | $102,653,400 | 712 |
| Average total loans | $365,596,800 | 1,211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8798% | 73 |
| Cost of funding earning assets | 0.4953% | 2,811 |
| Net interest margin | 6.3844% | 68 |
| Noninterest income to average assets | 1.1062% | 993 |
| Noninterest expense to average assets | 1.5126% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 5.5156% | 38 |
| Return on assets (ROA) | 5.5221% | 36 |
| Pretax return on assets | 5.5221% | 52 |
| Return on Equity (ROE) | 24.2855% | 119 |
| Retained earnings to average equity (ytd only) | 19.0206% | 85 |
| Net charge-offs to loans | -0.0554% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.3240% | 6,571 |
| Assets per employee ($millions) | 9.9013% | 247 |
| Cash dividends to net income (ytd only)* | 21.6793% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 1,253 |
| Loan loss allowance to noncurrent loans | 220.4082% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 2,854 |
| Noncurrent loans to loans | 0.9089% | 3,288 |
| Net loans and leases to total assets | 77.2282% | 1,062 |
| Net loans and leases to deposits | 105.6050% | 347 |
| Net loans and leases to core deposits | 117.9783% | 437 |
| Total domestic deposits to total assets | 73.1293% | 6,082 |
| Equity capital to assets | 26.5055% | 81 |
| Core capital (leverage) ratio | 25.2598% | 87 |
| Tier 1 risk-based capital ratio | 30.0702% | 520 |
| Total risk-based capital ratio | 31.3270% | 513 |
| Memoranda: | ||
| Average total assets | $412,083,000 | 1,618 |
| Average earning assets | $382,232,000 | 1,605 |
| Average equity | $93,699,500 | 788 |
| Average total loans | $317,562,250 | 1,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6920% | 83 |
| Cost of funding earning assets | 0.4953% | 2,878 |
| Net interest margin | 6.1967% | 74 |
| Noninterest income to average assets | 0.9400% | 1,367 |
| Noninterest expense to average assets | 1.6471% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 5.0459% | 49 |
| Return on assets (ROA) | 5.0553% | 49 |
| Pretax return on assets | 5.0553% | 63 |
| Return on Equity (ROE) | 23.3787% | 156 |
| Retained earnings to average equity (ytd only) | 15.3080% | 200 |
| Net charge-offs to loans | -0.1140% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.4116% | 6,626 |
| Assets per employee ($millions) | 10.5966% | 201 |
| Cash dividends to net income (ytd only)* | 34.5214% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 1,743 |
| Loan loss allowance to noncurrent loans | 187.3398% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 1,121 |
| Noncurrent loans to loans | 0.9790% | 3,276 |
| Net loans and leases to total assets | 77.6151% | 956 |
| Net loans and leases to deposits | 105.5028% | 319 |
| Net loans and leases to core deposits | 116.5643% | 463 |
| Total domestic deposits to total assets | 73.5669% | 6,148 |
| Equity capital to assets | 22.5922% | 134 |
| Core capital (leverage) ratio | 22.6606% | 119 |
| Tier 1 risk-based capital ratio | 25.4212% | 829 |
| Total risk-based capital ratio | 26.6761% | 811 |
| Memoranda: | ||
| Average total assets | $424,027,330 | 1,575 |
| Average earning assets | $393,663,670 | 1,559 |
| Average equity | $91,690,330 | 798 |
| Average total loans | $324,579,330 | 1,340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4597% | 95 |
| Cost of funding earning assets | 0.4938% | 2,972 |
| Net interest margin | 5.9659% | 84 |
| Noninterest income to average assets | 1.3693% | 621 |
| Noninterest expense to average assets | 1.6413% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 5.2761% | 46 |
| Return on assets (ROA) | 5.2947% | 46 |
| Pretax return on assets | 5.2947% | 60 |
| Return on Equity (ROE) | 25.0252% | 118 |
| Retained earnings to average equity (ytd only) | 10.9364% | 756 |
| Net charge-offs to loans | -0.1607% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5389% | 6,700 |
| Assets per employee ($millions) | 10.6638% | 203 |
| Cash dividends to net income (ytd only)* | 56.2984% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 1,743 |
| Loan loss allowance to noncurrent loans | 70.6316% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 1,014 |
| Noncurrent loans to loans | 2.6947% | 1,252 |
| Net loans and leases to total assets | 71.7492% | 1,612 |
| Net loans and leases to deposits | 90.9836% | 1,041 |
| Net loans and leases to core deposits | 99.6325% | 1,127 |
| Total domestic deposits to total assets | 78.8595% | 5,710 |
| Equity capital to assets | 20.7903% | 181 |
| Core capital (leverage) ratio | 20.9981% | 161 |
| Tier 1 risk-based capital ratio | 24.9841% | 890 |
| Total risk-based capital ratio | 26.2392% | 873 |
| Memoranda: | ||
| Average total assets | $429,408,000 | 1,564 |
| Average earning assets | $399,334,500 | 1,540 |
| Average equity | $90,852,500 | 807 |
| Average total loans | $323,494,000 | 1,349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1164% | 145 |
| Cost of funding earning assets | 0.5608% | 3,013 |
| Net interest margin | 5.5557% | 121 |
| Noninterest income to average assets | 0.2648% | 5,450 |
| Noninterest expense to average assets | 1.8698% | 6,226 |
| Loan and lease loss provision to assets | 0.1213% | 2,796 |
| Net operating income to assets | 3.4165% | 82 |
| Return on assets (ROA) | 3.4700% | 80 |
| Pretax return on assets | 3.4700% | 86 |
| Return on Equity (ROE) | 17.2584% | 482 |
| Retained earnings to average equity (ytd only) | 3.0007% | 4,106 |
| Net charge-offs to loans | 0.1130% | 3,691 |
| Credit loss provision to net charge-offs | 145.5026% | 1,598 |
| Earnings coverage of net charge-offs (x) | 42.4418% | 898 |
| Efficiency ratio | 34.3447% | 6,742 |
| Assets per employee ($millions) | 10.2920% | 214 |
| Cash dividends to net income (ytd only)* | 82.6131% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 2,288 |
| Loan loss allowance to noncurrent loans | 59.3501% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 4.6356% | 528 |
| Noncurrent loans to loans | 2.9212% | 1,197 |
| Net loans and leases to total assets | 76.1559% | 1,051 |
| Net loans and leases to deposits | 105.2067% | 289 |
| Net loans and leases to core deposits | 114.3431% | 462 |
| Total domestic deposits to total assets | 72.3869% | 6,397 |
| Equity capital to assets | 21.5201% | 154 |
| Core capital (leverage) ratio | 21.6242% | 145 |
| Tier 1 risk-based capital ratio | 24.3686% | 917 |
| Total risk-based capital ratio | 25.6220% | 903 |
| Memoranda: | ||
| Average total assets | $453,480,600 | 1,466 |
| Average earning assets | $419,770,400 | 1,451 |
| Average equity | $91,178,600 | 773 |
| Average total loans | $334,373,200 | 1,276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 194 |
| Cost of funding earning assets | 0.5803% | 2,993 |
| Net interest margin | 5.3784% | 170 |
| Noninterest income to average assets | 0.2624% | 5,570 |
| Noninterest expense to average assets | 1.5943% | 6,562 |
| Loan and lease loss provision to assets | 0.1598% | 2,259 |
| Net operating income to assets | 3.4915% | 78 |
| Return on assets (ROA) | 3.5621% | 73 |
| Pretax return on assets | 3.5621% | 91 |
| Return on Equity (ROE) | 18.0145% | 442 |
| Retained earnings to average equity (ytd only) | 2.7293% | 4,688 |
| Net charge-offs to loans | 0.0447% | 4,269 |
| Credit loss provision to net charge-offs | 491.0714% | 554 |
| Earnings coverage of net charge-offs (x) | 112.1783% | 455 |
| Efficiency ratio | 30.1551% | 6,832 |
| Assets per employee ($millions) | 10.1923% | 222 |
| Cash dividends to net income (ytd only)* | 84.8495% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 2,250 |
| Loan loss allowance to noncurrent loans | 62.1826% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 4.9220% | 573 |
| Noncurrent loans to loans | 2.9224% | 1,395 |
| Net loans and leases to total assets | 76.6617% | 910 |
| Net loans and leases to deposits | 98.0238% | 570 |
| Net loans and leases to core deposits | 104.1505% | 873 |
| Total domestic deposits to total assets | 78.2072% | 5,871 |
| Equity capital to assets | 21.5401% | 158 |
| Core capital (leverage) ratio | 20.2620% | 196 |
| Tier 1 risk-based capital ratio | 24.1201% | 984 |
| Total risk-based capital ratio | 25.3744% | 966 |
| Memoranda: | ||
| Average total assets | $458,784,250 | 1,448 |
| Average earning assets | $425,074,250 | 1,441 |
| Average equity | $90,717,250 | 783 |
| Average total loans | $334,215,500 | 1,275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 400 |
| Cost of funding earning assets | 0.5956% | 2,978 |
| Net interest margin | 4.8642% | 390 |
| Noninterest income to average assets | 0.2550% | 5,627 |
| Noninterest expense to average assets | 1.6213% | 6,571 |
| Loan and lease loss provision to assets | 0.2345% | 1,587 |
| Net operating income to assets | 2.9159% | 119 |
| Return on assets (ROA) | 3.0195% | 115 |
| Pretax return on assets | 3.0195% | 145 |
| Return on Equity (ROE) | 15.6971% | 704 |
| Retained earnings to average equity (ytd only) | 0.1796% | 5,800 |
| Net charge-offs to loans | 0.4686% | 1,407 |
| Credit loss provision to net charge-offs | 70.2427% | 2,819 |
| Earnings coverage of net charge-offs (x) | 9.4355% | 2,286 |
| Efficiency ratio | 33.7265% | 6,859 |
| Assets per employee ($millions) | 11.4959% | 161 |
| Cash dividends to net income (ytd only)* | 98.8561% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 2,803 |
| Loan loss allowance to noncurrent loans | 106.3373% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 3.3783% | 1,154 |
| Noncurrent loans to loans | 1.5916% | 2,925 |
| Net loans and leases to total assets | 66.5860% | 2,488 |
| Net loans and leases to deposits | 82.7227% | 1,958 |
| Net loans and leases to core deposits | 84.4421% | 2,500 |
| Total domestic deposits to total assets | 80.4929% | 5,479 |
| Equity capital to assets | 19.1568% | 250 |
| Core capital (leverage) ratio | 19.0044% | 232 |
| Tier 1 risk-based capital ratio | 24.1746% | 981 |
| Total risk-based capital ratio | 25.4271% | 957 |
| Memoranda: | ||
| Average total assets | $469,020,000 | 1,414 |
| Average earning assets | $435,512,670 | 1,405 |
| Average equity | $90,220,330 | 785 |
| Average total loans | $334,205,670 | 1,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 375 |
| Cost of funding earning assets | 0.6273% | 2,860 |
| Net interest margin | 4.8648% | 361 |
| Noninterest income to average assets | 0.2514% | 5,662 |
| Noninterest expense to average assets | 1.7800% | 6,461 |
| Loan and lease loss provision to assets | 0.0855% | 3,236 |
| Net operating income to assets | 2.9145% | 114 |
| Return on assets (ROA) | 2.9145% | 120 |
| Pretax return on assets | 2.9145% | 167 |
| Return on Equity (ROE) | 15.1201% | 740 |
| Retained earnings to average equity (ytd only) | -15.9273% | 6,768 |
| Net charge-offs to loans | -0.0679% | 6,264 |
| Credit loss provision to net charge-offs | -172.4138% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9880% | 6,913 |
| Assets per employee ($millions) | 11.5720% | 155 |
| Cash dividends to net income (ytd only)* | 205.3388% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,874 |
| Loan loss allowance to noncurrent loans | 53.8726% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 4.6489% | 804 |
| Noncurrent loans to loans | 3.2130% | 1,527 |
| Net loans and leases to total assets | 69.3312% | 1,776 |
| Net loans and leases to deposits | 85.3312% | 1,443 |
| Net loans and leases to core deposits | 86.4898% | 2,061 |
| Total domestic deposits to total assets | 81.2496% | 5,434 |
| Equity capital to assets | 18.5993% | 296 |
| Core capital (leverage) ratio | 18.7483% | 249 |
| Tier 1 risk-based capital ratio | 22.9755% | 1,161 |
| Total risk-based capital ratio | 24.2291% | 1,141 |
| Memoranda: | ||
| Average total assets | $467,864,000 | 1,431 |
| Average earning assets | $435,540,500 | 1,413 |
| Average equity | $90,184,500 | 791 |
| Average total loans | $341,686,500 | 1,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 613 |
| Cost of funding earning assets | 0.7822% | 2,806 |
| Net interest margin | 4.7235% | 624 |
| Noninterest income to average assets | 0.4400% | 4,321 |
| Noninterest expense to average assets | 1.6261% | 6,783 |
| Loan and lease loss provision to assets | 0.6928% | 749 |
| Net operating income to assets | 2.5889% | 139 |
| Return on assets (ROA) | 2.7033% | 131 |
| Pretax return on assets | 2.7033% | 195 |
| Return on Equity (ROE) | 15.2036% | 776 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,696 |
| Net charge-offs to loans | 1.2175% | 828 |
| Credit loss provision to net charge-offs | 76.1264% | 3,966 |
| Earnings coverage of net charge-offs (x) | 3.6058% | 3,664 |
| Efficiency ratio | 32.9070% | 7,007 |
| Assets per employee ($millions) | 10.9827% | 179 |
| Cash dividends to net income (ytd only)* | 67.0597% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,231 |
| Loan loss allowance to noncurrent loans | 52.1659% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 4.7273% | 849 |
| Noncurrent loans to loans | 3.0989% | 1,673 |
| Net loans and leases to total assets | 74.3589% | 1,145 |
| Net loans and leases to deposits | 93.2554% | 805 |
| Net loans and leases to core deposits | 94.6465% | 1,415 |
| Total domestic deposits to total assets | 79.7368% | 5,734 |
| Equity capital to assets | 19.9716% | 223 |
| Core capital (leverage) ratio | 18.5325% | 254 |
| Tier 1 risk-based capital ratio | 23.1903% | 1,081 |
| Total risk-based capital ratio | 24.4428% | 1,068 |
| Memoranda: | ||
| Average total assets | $514,547,000 | 1,299 |
| Average earning assets | $486,692,000 | 1,255 |
| Average equity | $91,491,400 | 764 |
| Average total loans | $384,650,400 | 1,085 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 708 |
| Cost of funding earning assets | 0.8176% | 2,797 |
| Net interest margin | 4.6653% | 727 |
| Noninterest income to average assets | 0.3612% | 4,933 |
| Noninterest expense to average assets | 1.3940% | 6,996 |
| Loan and lease loss provision to assets | 0.2690% | 2,424 |
| Net operating income to assets | 3.1288% | 95 |
| Return on assets (ROA) | 3.1479% | 99 |
| Pretax return on assets | 3.1479% | 135 |
| Return on Equity (ROE) | 18.1937% | 480 |
| Retained earnings to average equity (ytd only) | 13.6274% | 334 |
| Net charge-offs to loans | 0.3099% | 2,892 |
| Credit loss provision to net charge-offs | 116.3934% | 2,498 |
| Earnings coverage of net charge-offs (x) | 14.7016% | 1,820 |
| Efficiency ratio | 28.8651% | 7,125 |
| Assets per employee ($millions) | 12.8633% | 128 |
| Cash dividends to net income (ytd only)* | 25.0983% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,425 |
| Loan loss allowance to noncurrent loans | 52.1490% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 3.8538% | 1,276 |
| Noncurrent loans to loans | 3.6724% | 1,461 |
| Net loans and leases to total assets | 70.4838% | 1,815 |
| Net loans and leases to deposits | 87.9797% | 1,354 |
| Net loans and leases to core deposits | 89.8539% | 2,001 |
| Total domestic deposits to total assets | 80.1137% | 5,622 |
| Equity capital to assets | 19.5983% | 254 |
| Core capital (leverage) ratio | 18.3314% | 282 |
| Tier 1 risk-based capital ratio | 23.7892% | 1,050 |
| Total risk-based capital ratio | 25.0452% | 1,030 |
| Memoranda: | ||
| Average total assets | $527,865,000 | 1,280 |
| Average earning assets | $501,305,250 | 1,225 |
| Average equity | $91,333,250 | 770 |
| Average total loans | $393,654,250 | 1,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 1,497 |
| Cost of funding earning assets | 0.8335% | 2,922 |
| Net interest margin | 4.2676% | 1,559 |
| Noninterest income to average assets | 0.1536% | 6,433 |
| Noninterest expense to average assets | 1.3202% | 7,096 |
| Loan and lease loss provision to assets | 0.3969% | 1,655 |
| Net operating income to assets | 2.4939% | 179 |
| Return on assets (ROA) | 2.5222% | 192 |
| Pretax return on assets | 2.5222% | 288 |
| Return on Equity (ROE) | 15.2059% | 903 |
| Retained earnings to average equity (ytd only) | 8.1771% | 1,578 |
| Net charge-offs to loans | 0.5668% | 1,893 |
| Credit loss provision to net charge-offs | 92.8509% | 2,959 |
| Earnings coverage of net charge-offs (x) | 6.7620% | 2,582 |
| Efficiency ratio | 31.1029% | 7,170 |
| Assets per employee ($millions) | 12.6195% | 128 |
| Cash dividends to net income (ytd only)* | 46.2243% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,318 |
| Loan loss allowance to noncurrent loans | 25.4394% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 6.1113% | 690 |
| Noncurrent loans to loans | 6.5998% | 624 |
| Net loans and leases to total assets | 73.7177% | 1,293 |
| Net loans and leases to deposits | 90.9745% | 1,048 |
| Net loans and leases to core deposits | 92.5732% | 1,722 |
| Total domestic deposits to total assets | 81.0312% | 5,457 |
| Equity capital to assets | 17.2703% | 412 |
| Core capital (leverage) ratio | 16.7387% | 385 |
| Tier 1 risk-based capital ratio | 20.2230% | 1,656 |
| Total risk-based capital ratio | 21.4762% | 1,625 |
| Memoranda: | ||
| Average total assets | $536,597,670 | 1,259 |
| Average earning assets | $510,164,000 | 1,207 |
| Average equity | $89,005,000 | 780 |
| Average total loans | $404,706,330 | 1,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 1,586 |
| Cost of funding earning assets | 0.8499% | 3,067 |
| Net interest margin | 4.2454% | 1,622 |
| Noninterest income to average assets | -0.0304% | 7,124 |
| Noninterest expense to average assets | 1.3025% | 7,171 |
| Loan and lease loss provision to assets | 0.5668% | 1,023 |
| Net operating income to assets | 2.1456% | 320 |
| Return on assets (ROA) | 2.1456% | 374 |
| Pretax return on assets | 2.1456% | 590 |
| Return on Equity (ROE) | 13.2027% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.7807% | 3,089 |
| Net charge-offs to loans | 0.4584% | 1,951 |
| Credit loss provision to net charge-offs | 163.4615% | 1,555 |
| Earnings coverage of net charge-offs (x) | 7.8226% | 2,035 |
| Efficiency ratio | 32.1831% | 7,219 |
| Assets per employee ($millions) | 13.0597% | 124 |
| Cash dividends to net income (ytd only)* | 56.2155% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 3,097 |
| Loan loss allowance to noncurrent loans | 34.3465% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 4.4034% | 1,224 |
| Noncurrent loans to loans | 5.1506% | 1,070 |
| Net loans and leases to total assets | 73.1205% | 1,203 |
| Net loans and leases to deposits | 87.7884% | 1,194 |
| Net loans and leases to core deposits | 89.2213% | 1,926 |
| Total domestic deposits to total assets | 83.2917% | 4,816 |
| Equity capital to assets | 16.5312% | 494 |
| Core capital (leverage) ratio | 16.0418% | 457 |
| Tier 1 risk-based capital ratio | 19.9386% | 1,726 |
| Total risk-based capital ratio | 21.1932% | 1,698 |
| Memoranda: | ||
| Average total assets | $539,887,000 | 1,256 |
| Average earning assets | $514,435,000 | 1,198 |
| Average equity | $87,739,500 | 791 |
| Average total loans | $408,364,500 | 1,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6545% | 859 |
| Cost of funding earning assets | 1.0319% | 3,150 |
| Net interest margin | 4.6225% | 879 |
| Noninterest income to average assets | 0.1872% | 6,159 |
| Noninterest expense to average assets | 1.9299% | 6,791 |
| Loan and lease loss provision to assets | 2.1090% | 260 |
| Net operating income to assets | 0.5386% | 4,280 |
| Return on assets (ROA) | 0.5386% | 4,470 |
| Pretax return on assets | 0.5386% | 4,878 |
| Return on Equity (ROE) | 3.7034% | 4,991 |
| Retained earnings to average equity (ytd only) | -5.3959% | 6,478 |
| Net charge-offs to loans | 3.6252% | 196 |
| Credit loss provision to net charge-offs | 72.4267% | 4,758 |
| Earnings coverage of net charge-offs (x) | 0.9092% | 5,121 |
| Efficiency ratio | 41.9543% | 7,170 |
| Assets per employee ($millions) | 12.9601% | 119 |
| Cash dividends to net income (ytd only)* | 245.7002% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,528 |
| Loan loss allowance to noncurrent loans | 34.9858% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 4.1361% | 1,378 |
| Noncurrent loans to loans | 4.6167% | 1,282 |
| Net loans and leases to total assets | 75.5801% | 1,009 |
| Net loans and leases to deposits | 90.2288% | 1,131 |
| Net loans and leases to core deposits | 91.7313% | 1,914 |
| Total domestic deposits to total assets | 83.7649% | 4,430 |
| Equity capital to assets | 15.9763% | 581 |
| Core capital (leverage) ratio | 14.9533% | 611 |
| Tier 1 risk-based capital ratio | 18.9833% | 1,897 |
| Total risk-based capital ratio | 20.2302% | 1,860 |
| Memoranda: | ||
| Average total assets | $604,552,400 | 1,083 |
| Average earning assets | $574,165,200 | 1,031 |
| Average equity | $87,918,800 | 764 |
| Average total loans | $485,603,400 | 857 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 911 |
| Cost of funding earning assets | 1.0733% | 3,155 |
| Net interest margin | 4.5904% | 966 |
| Noninterest income to average assets | 0.1681% | 6,385 |
| Noninterest expense to average assets | 1.4669% | 7,251 |
| Loan and lease loss provision to assets | 1.7753% | 340 |
| Net operating income to assets | 1.2844% | 1,422 |
| Return on assets (ROA) | 1.2844% | 1,519 |
| Pretax return on assets | 1.2844% | 2,344 |
| Return on Equity (ROE) | 9.0275% | 2,584 |
| Retained earnings to average equity (ytd only) | -3.0717% | 6,426 |
| Net charge-offs to loans | 3.2248% | 272 |
| Credit loss provision to net charge-offs | 67.8845% | 4,549 |
| Earnings coverage of net charge-offs (x) | 1.1700% | 4,746 |
| Efficiency ratio | 32.2019% | 7,347 |
| Assets per employee ($millions) | 13.4364% | 120 |
| Cash dividends to net income (ytd only)* | 134.0258% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,429 |
| Loan loss allowance to noncurrent loans | 29.7594% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 5.6674% | 972 |
| Noncurrent loans to loans | 5.5608% | 1,057 |
| Net loans and leases to total assets | 79.2526% | 587 |
| Net loans and leases to deposits | 100.5128% | 447 |
| Net loans and leases to core deposits | 101.1143% | 1,151 |
| Total domestic deposits to total assets | 78.8483% | 6,019 |
| Equity capital to assets | 15.6069% | 701 |
| Core capital (leverage) ratio | 14.8530% | 695 |
| Tier 1 risk-based capital ratio | 17.6176% | 2,391 |
| Total risk-based capital ratio | 18.8710% | 2,362 |
| Memoranda: | ||
| Average total assets | $619,609,000 | 1,060 |
| Average earning assets | $588,313,250 | 1,007 |
| Average equity | $88,157,750 | 769 |
| Average total loans | $502,465,250 | 842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8101% | 709 |
| Cost of funding earning assets | 1.1178% | 3,109 |
| Net interest margin | 4.6924% | 744 |
| Noninterest income to average assets | 0.1528% | 6,558 |
| Noninterest expense to average assets | 1.5190% | 7,293 |
| Loan and lease loss provision to assets | 1.7204% | 391 |
| Net operating income to assets | 1.3700% | 1,149 |
| Return on assets (ROA) | 1.3700% | 1,220 |
| Pretax return on assets | 1.3700% | 1,893 |
| Return on Equity (ROE) | 9.9215% | 2,143 |
| Retained earnings to average equity (ytd only) | -8.3670% | 6,793 |
| Net charge-offs to loans | 1.8110% | 769 |
| Credit loss provision to net charge-offs | 116.9277% | 2,629 |
| Earnings coverage of net charge-offs (x) | 2.1004% | 3,800 |
| Efficiency ratio | 32.7626% | 7,420 |
| Assets per employee ($millions) | 14.0134% | 105 |
| Cash dividends to net income (ytd only)* | 184.3318% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,419 |
| Loan loss allowance to noncurrent loans | 40.8078% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 5.7939% | 990 |
| Noncurrent loans to loans | 6.1739% | 943 |
| Net loans and leases to total assets | 79.6010% | 573 |
| Net loans and leases to deposits | 96.1981% | 710 |
| Net loans and leases to core deposits | 96.5417% | 1,625 |
| Total domestic deposits to total assets | 82.7470% | 4,877 |
| Equity capital to assets | 14.5414% | 928 |
| Core capital (leverage) ratio | 13.8513% | 909 |
| Tier 1 risk-based capital ratio | 16.5557% | 2,715 |
| Total risk-based capital ratio | 17.8195% | 2,665 |
| Memoranda: | ||
| Average total assets | $633,557,000 | 1,038 |
| Average earning assets | $601,744,330 | 987 |
| Average equity | $87,486,670 | 769 |
| Average total loans | $514,754,000 | 833 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7938% | 747 |
| Cost of funding earning assets | 1.1677% | 3,038 |
| Net interest margin | 4.6261% | 824 |
| Noninterest income to average assets | 0.8597% | 1,814 |
| Noninterest expense to average assets | 1.3558% | 7,432 |
| Loan and lease loss provision to assets | 1.2326% | 564 |
| Net operating income to assets | 2.6513% | 150 |
| Return on assets (ROA) | 2.6513% | 155 |
| Pretax return on assets | 2.6513% | 206 |
| Return on Equity (ROE) | 19.6846% | 348 |
| Retained earnings to average equity (ytd only) | -16.9209% | 7,091 |
| Net charge-offs to loans | 2.7455% | 395 |
| Credit loss provision to net charge-offs | 55.3863% | 3,645 |
| Earnings coverage of net charge-offs (x) | 1.7452% | 3,437 |
| Efficiency ratio | 25.7116% | 7,510 |
| Assets per employee ($millions) | 14.8281% | 97 |
| Cash dividends to net income (ytd only)* | 185.9600% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 2,568 |
| Loan loss allowance to noncurrent loans | 22.4063% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 8.8768% | 496 |
| Noncurrent loans to loans | 8.6573% | 535 |
| Net loans and leases to total assets | 79.2605% | 594 |
| Net loans and leases to deposits | 97.0665% | 618 |
| Net loans and leases to core deposits | 97.3986% | 1,568 |
| Total domestic deposits to total assets | 81.6558% | 5,434 |
| Equity capital to assets | 13.4719% | 1,196 |
| Core capital (leverage) ratio | 13.3219% | 1,020 |
| Tier 1 risk-based capital ratio | 15.4946% | 3,165 |
| Total risk-based capital ratio | 16.7513% | 3,112 |
| Memoranda: | ||
| Average total assets | $649,046,500 | 1,023 |
| Average earning assets | $614,519,500 | 986 |
| Average equity | $87,418,500 | 763 |
| Average total loans | $526,103,500 | 822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8220% | 194 |
| Cost of funding earning assets | 1.3647% | 3,487 |
| Net interest margin | 5.4573% | 185 |
| Noninterest income to average assets | 0.1259% | 6,770 |
| Noninterest expense to average assets | 1.2911% | 7,520 |
| Loan and lease loss provision to assets | 1.1608% | 1,361 |
| Net operating income to assets | 2.8495% | 82 |
| Return on assets (ROA) | 2.8495% | 82 |
| Pretax return on assets | 2.8495% | 132 |
| Return on Equity (ROE) | 20.2716% | 240 |
| Retained earnings to average equity (ytd only) | 5.3569% | 2,214 |
| Net charge-offs to loans | 0.6356% | 3,116 |
| Credit loss provision to net charge-offs | 201.8676% | 1,543 |
| Earnings coverage of net charge-offs (x) | 6.9742% | 2,230 |
| Efficiency ratio | 24.1837% | 7,611 |
| Assets per employee ($millions) | 15.7258% | 86 |
| Cash dividends to net income (ytd only)* | 73.5742% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 1,939 |
| Loan loss allowance to noncurrent loans | 27.3438% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 7.1814% | 745 |
| Noncurrent loans to loans | 7.9078% | 664 |
| Net loans and leases to total assets | 79.5220% | 728 |
| Net loans and leases to deposits | 99.4564% | 611 |
| Net loans and leases to core deposits | 99.6948% | 1,646 |
| Total domestic deposits to total assets | 79.9567% | 5,849 |
| Equity capital to assets | 13.4657% | 1,190 |
| Core capital (leverage) ratio | 13.7551% | 910 |
| Tier 1 risk-based capital ratio | 15.7727% | 2,855 |
| Total risk-based capital ratio | 17.0323% | 2,816 |
| Memoranda: | ||
| Average total assets | $633,203,000 | 1,063 |
| Average earning assets | $600,497,200 | 1,008 |
| Average equity | $89,006,400 | 752 |
| Average total loans | $572,881,800 | 783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4199% | 390 |
| Cost of funding earning assets | 1.4317% | 3,383 |
| Net interest margin | 4.9882% | 451 |
| Noninterest income to average assets | 0.0441% | 7,301 |
| Noninterest expense to average assets | 1.2552% | 7,647 |
| Loan and lease loss provision to assets | 0.5002% | 2,960 |
| Net operating income to assets | 3.0092% | 81 |
| Return on assets (ROA) | 3.0092% | 83 |
| Pretax return on assets | 3.0092% | 119 |
| Return on Equity (ROE) | 21.1730% | 247 |
| Retained earnings to average equity (ytd only) | 13.8342% | 286 |
| Net charge-offs to loans | 0.4860% | 3,329 |
| Credit loss provision to net charge-offs | 110.7968% | 3,819 |
| Earnings coverage of net charge-offs (x) | 7.7732% | 2,269 |
| Efficiency ratio | 26.1526% | 7,702 |
| Assets per employee ($millions) | 17.2598% | 75 |
| Cash dividends to net income (ytd only)* | 34.6608% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 4,241 |
| Loan loss allowance to noncurrent loans | 19.2406% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 8.2756% | 592 |
| Noncurrent loans to loans | 7.5025% | 719 |
| Net loans and leases to total assets | 89.3104% | 73 |
| Net loans and leases to deposits | 115.9768% | 157 |
| Net loans and leases to core deposits | 116.7333% | 729 |
| Total domestic deposits to total assets | 77.0071% | 6,476 |
| Equity capital to assets | 15.2908% | 825 |
| Core capital (leverage) ratio | 15.1434% | 687 |
| Tier 1 risk-based capital ratio | 15.8945% | 2,813 |
| Total risk-based capital ratio | 17.1459% | 2,756 |
| Memoranda: | ||
| Average total assets | $626,382,750 | 1,076 |
| Average earning assets | $592,767,750 | 1,029 |
| Average equity | $89,023,250 | 750 |
| Average total loans | $581,892,750 | 774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4521% | 371 |
| Cost of funding earning assets | 1.4750% | 3,402 |
| Net interest margin | 4.9771% | 443 |
| Noninterest income to average assets | -0.1347% | 7,649 |
| Noninterest expense to average assets | 1.0572% | 7,761 |
| Loan and lease loss provision to assets | 0.3184% | 3,834 |
| Net operating income to assets | 3.1981% | 71 |
| Return on assets (ROA) | 3.1981% | 74 |
| Pretax return on assets | 3.1981% | 106 |
| Return on Equity (ROE) | 23.0800% | 170 |
| Retained earnings to average equity (ytd only) | 11.8192% | 513 |
| Net charge-offs to loans | -0.4941% | 7,729 |
| Credit loss provision to net charge-offs | -68.8231% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9200% | 7,783 |
| Assets per employee ($millions) | 17.4633% | 74 |
| Cash dividends to net income (ytd only)* | 48.7902% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,720 |
| Loan loss allowance to noncurrent loans | 25.0563% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 7.9322% | 623 |
| Noncurrent loans to loans | 7.1783% | 772 |
| Net loans and leases to total assets | 89.9040% | 76 |
| Net loans and leases to deposits | 119.6900% | 123 |
| Net loans and leases to core deposits | 121.1877% | 659 |
| Total domestic deposits to total assets | 75.1141% | 6,842 |
| Equity capital to assets | 14.4561% | 1,027 |
| Core capital (leverage) ratio | 14.5717% | 803 |
| Tier 1 risk-based capital ratio | 15.0635% | 3,128 |
| Total risk-based capital ratio | 16.3194% | 3,084 |
| Memoranda: | ||
| Average total assets | $628,059,000 | 1,077 |
| Average earning assets | $594,166,000 | 1,029 |
| Average equity | $87,027,670 | 752 |
| Average total loans | $588,169,670 | 768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 505 |
| Cost of funding earning assets | 1.4681% | 3,751 |
| Net interest margin | 4.8564% | 574 |
| Noninterest income to average assets | -0.4664% | 7,853 |
| Noninterest expense to average assets | 1.0883% | 7,859 |
| Loan and lease loss provision to assets | 0.6372% | 1,990 |
| Net operating income to assets | 2.3990% | 173 |
| Return on assets (ROA) | 2.3990% | 193 |
| Pretax return on assets | 2.3990% | 290 |
| Return on Equity (ROE) | 17.6967% | 545 |
| Retained earnings to average equity (ytd only) | -5.3349% | 6,613 |
| Net charge-offs to loans | 0.0451% | 4,964 |
| Credit loss provision to net charge-offs | 1,492.5373% | 341 |
| Earnings coverage of net charge-offs (x) | 71.1194% | 436 |
| Efficiency ratio | 26.1702% | 7,876 |
| Assets per employee ($millions) | 17.8446% | 77 |
| Cash dividends to net income (ytd only)* | 130.1461% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 3,940 |
| Loan loss allowance to noncurrent loans | 21.8901% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 7.3621% | 705 |
| Noncurrent loans to loans | 6.8227% | 886 |
| Net loans and leases to total assets | 93.2705% | 24 |
| Net loans and leases to deposits | 136.4042% | 60 |
| Net loans and leases to core deposits | 138.4581% | 347 |
| Total domestic deposits to total assets | 68.3780% | 7,511 |
| Equity capital to assets | 13.5348% | 1,307 |
| Core capital (leverage) ratio | 13.4160% | 1,102 |
| Tier 1 risk-based capital ratio | 13.8118% | 3,791 |
| Total risk-based capital ratio | 15.0643% | 3,742 |
| Memoranda: | ||
| Average total assets | $627,750,000 | 1,101 |
| Average earning assets | $593,438,500 | 1,055 |
| Average equity | $85,100,500 | 779 |
| Average total loans | $594,475,500 | 776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3903% | 152 |
| Cost of funding earning assets | 1.9794% | 3,060 |
| Net interest margin | 5.4109% | 203 |
| Noninterest income to average assets | 5.9914% | 121 |
| Noninterest expense to average assets | 1.2080% | 7,905 |
| Loan and lease loss provision to assets | 5.6557% | 135 |
| Net operating income to assets | 4.3021% | 34 |
| Return on assets (ROA) | 4.3021% | 36 |
| Pretax return on assets | 4.3021% | 50 |
| Return on Equity (ROE) | 33.9652% | 33 |
| Retained earnings to average equity (ytd only) | 25.3505% | 22 |
| Net charge-offs to loans | 5.1864% | 233 |
| Credit loss provision to net charge-offs | 113.3279% | 4,838 |
| Earnings coverage of net charge-offs (x) | 1.9953% | 4,227 |
| Efficiency ratio | 10.7765% | 7,992 |
| Assets per employee ($millions) | 18.0268% | 86 |
| Cash dividends to net income (ytd only)* | 25.3633% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,635 |
| Loan loss allowance to noncurrent loans | 23.7685% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 6.5265% | 834 |
| Noncurrent loans to loans | 5.5612% | 1,155 |
| Net loans and leases to total assets | 93.4621% | 17 |
| Net loans and leases to deposits | 143.0757% | 56 |
| Net loans and leases to core deposits | 255.3491% | 48 |
| Total domestic deposits to total assets | 65.3235% | 7,665 |
| Equity capital to assets | 13.5779% | 1,290 |
| Core capital (leverage) ratio | 13.0077% | 1,254 |
| Tier 1 risk-based capital ratio | 13.7735% | 3,645 |
| Total risk-based capital ratio | 15.0239% | 3,586 |
| Memoranda: | ||
| Average total assets | $612,660,600 | 1,131 |
| Average earning assets | $585,873,000 | 1,074 |
| Average equity | $77,600,000 | 830 |
| Average total loans | $589,527,200 | 809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4892% | 149 |
| Cost of funding earning assets | 2.1567% | 2,618 |
| Net interest margin | 5.3325% | 240 |
| Noninterest income to average assets | 7.9550% | 92 |
| Noninterest expense to average assets | 1.1086% | 8,012 |
| Loan and lease loss provision to assets | 3.4314% | 391 |
| Net operating income to assets | 8.5316% | 20 |
| Return on assets (ROA) | 8.5316% | 20 |
| Pretax return on assets | 8.5316% | 27 |
| Return on Equity (ROE) | 68.6398% | 9 |
| Retained earnings to average equity (ytd only) | 58.8936% | 7 |
| Net charge-offs to loans | 2.3241% | 810 |
| Credit loss provision to net charge-offs | 152.8171% | 3,125 |
| Earnings coverage of net charge-offs (x) | 5.3277% | 2,857 |
| Efficiency ratio | 8.4573% | 8,075 |
| Assets per employee ($millions) | 18.2204% | 86 |
| Cash dividends to net income (ytd only)* | 14.1991% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 3,575 |
| Loan loss allowance to noncurrent loans | 32.6427% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 5.4731% | 1,046 |
| Noncurrent loans to loans | 4.5190% | 1,543 |
| Net loans and leases to total assets | 94.0147% | 22 |
| Net loans and leases to deposits | 145.4347% | 61 |
| Net loans and leases to core deposits | 248.6773% | 50 |
| Total domestic deposits to total assets | 64.6439% | 7,741 |
| Equity capital to assets | 15.1491% | 959 |
| Core capital (leverage) ratio | 15.1043% | 833 |
| Tier 1 risk-based capital ratio | 14.9795% | 3,050 |
| Total risk-based capital ratio | 16.2313% | 2,988 |
| Memoranda: | ||
| Average total assets | $608,091,250 | 1,155 |
| Average earning assets | $583,475,500 | 1,099 |
| Average equity | $75,583,000 | 867 |
| Average total loans | $587,512,250 | 830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4751% | 163 |
| Cost of funding earning assets | 2.3687% | 2,086 |
| Net interest margin | 5.1064% | 352 |
| Noninterest income to average assets | 0.9076% | 1,956 |
| Noninterest expense to average assets | 0.9727% | 8,130 |
| Loan and lease loss provision to assets | 1.9083% | 860 |
| Net operating income to assets | 2.9422% | 64 |
| Return on assets (ROA) | 2.9422% | 73 |
| Pretax return on assets | 2.9422% | 111 |
| Return on Equity (ROE) | 25.7514% | 124 |
| Retained earnings to average equity (ytd only) | 10.3792% | 656 |
| Net charge-offs to loans | 0.8129% | 2,059 |
| Credit loss provision to net charge-offs | 241.8664% | 1,920 |
| Earnings coverage of net charge-offs (x) | 6.1477% | 2,678 |
| Efficiency ratio | 16.7044% | 8,153 |
| Assets per employee ($millions) | 19.4480% | 80 |
| Cash dividends to net income (ytd only)* | 59.6946% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,800 |
| Loan loss allowance to noncurrent loans | 24.9397% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 5.1379% | 1,011 |
| Noncurrent loans to loans | 4.9034% | 1,269 |
| Net loans and leases to total assets | 95.6323% | 10 |
| Net loans and leases to deposits | 128.6947% | 129 |
| Net loans and leases to core deposits | 156.7215% | 503 |
| Total domestic deposits to total assets | 74.3094% | 6,909 |
| Equity capital to assets | 11.5264% | 2,525 |
| Core capital (leverage) ratio | 11.6399% | 2,012 |
| Tier 1 risk-based capital ratio | 11.2162% | 5,671 |
| Total risk-based capital ratio | 12.3684% | 5,674 |
| Memoranda: | ||
| Average total assets | $592,143,330 | 1,201 |
| Average earning assets | $570,024,330 | 1,138 |
| Average equity | $67,654,670 | 994 |
| Average total loans | $574,713,670 | 866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0050% | 330 |
| Cost of funding earning assets | 2.4413% | 2,137 |
| Net interest margin | 4.5637% | 1,011 |
| Noninterest income to average assets | 0.1670% | 7,109 |
| Noninterest expense to average assets | 0.8760% | 8,186 |
| Loan and lease loss provision to assets | 2.5223% | 460 |
| Net operating income to assets | 1.1677% | 1,747 |
| Return on assets (ROA) | 1.1677% | 1,859 |
| Pretax return on assets | 1.1677% | 2,734 |
| Return on Equity (ROE) | 10.2672% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.0685% | 1,456 |
| Net charge-offs to loans | 0.1873% | 3,512 |
| Credit loss provision to net charge-offs | 1,385.7678% | 459 |
| Earnings coverage of net charge-offs (x) | 20.2734% | 1,383 |
| Efficiency ratio | 19.1848% | 8,189 |
| Assets per employee ($millions) | 18.9693% | 87 |
| Cash dividends to net income (ytd only)* | 11.6754% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,290 |
| Loan loss allowance to noncurrent loans | 20.7937% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 5.9349% | 681 |
| Noncurrent loans to loans | 6.0981% | 776 |
| Net loans and leases to total assets | 96.0894% | 9 |
| Net loans and leases to deposits | 135.9896% | 108 |
| Net loans and leases to core deposits | 154.0325% | 598 |
| Total domestic deposits to total assets | 70.6594% | 7,368 |
| Equity capital to assets | 11.4774% | 2,603 |
| Core capital (leverage) ratio | 11.4477% | 2,178 |
| Tier 1 risk-based capital ratio | 11.2316% | 5,667 |
| Total risk-based capital ratio | 12.4394% | 5,625 |
| Memoranda: | ||
| Average total assets | $586,771,500 | 1,216 |
| Average earning assets | $565,593,000 | 1,154 |
| Average equity | $66,736,500 | 1,012 |
| Average total loans | $570,224,000 | 872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6614% | 87 |
| Cost of funding earning assets | 2.9263% | 2,155 |
| Net interest margin | 5.7351% | 146 |
| Noninterest income to average assets | 0.2031% | 6,994 |
| Noninterest expense to average assets | 1.2243% | 8,157 |
| Loan and lease loss provision to assets | 0.9107% | 1,636 |
| Net operating income to assets | 3.5713% | 47 |
| Return on assets (ROA) | 3.5713% | 48 |
| Pretax return on assets | 3.5713% | 70 |
| Return on Equity (ROE) | 32.7817% | 38 |
| Retained earnings to average equity (ytd only) | 23.4792% | 18 |
| Net charge-offs to loans | 0.9558% | 1,292 |
| Credit loss provision to net charge-offs | 100.3449% | 5,281 |
| Earnings coverage of net charge-offs (x) | 4.9385% | 3,808 |
| Efficiency ratio | 21.4546% | 8,254 |
| Assets per employee ($millions) | 18.8869% | 83 |
| Cash dividends to net income (ytd only)* | 28.3770% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 7,492 |
| Loan loss allowance to noncurrent loans | 11.8754% | 7,479 |
| Noncurrent assets plus other real estate owned to assets | 5.4998% | 590 |
| Noncurrent loans to loans | 5.6678% | 681 |
| Net loans and leases to total assets | 96.3825% | 8 |
| Net loans and leases to deposits | 132.6063% | 176 |
| Net loans and leases to core deposits | 144.0661% | 1,088 |
| Total domestic deposits to total assets | 72.6832% | 6,887 |
| Equity capital to assets | 11.2691% | 2,832 |
| Core capital (leverage) ratio | 11.0988% | 2,511 |
| Tier 1 risk-based capital ratio | 11.0084% | 5,720 |
| Total risk-based capital ratio | 11.6464% | 6,191 |
| Memoranda: | ||
| Average total assets | $543,100,000 | 1,253 |
| Average earning assets | $521,140,800 | 1,185 |
| Average equity | $59,167,200 | 1,136 |
| Average total loans | $515,702,400 | 924 |