Home > SULLIVAN BANK > Performance and Condition Ratios
SULLIVAN BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 1,085 |
| Cost of funding earning assets | 2.3060% | 535 |
| Net interest margin | 3.2581% | 2,738 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.8253% | 3,960 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.1846% | 1,684 |
| Return on assets (ROA) | 1.1865% | 1,659 |
| Pretax return on assets | 1.5036% | 1,411 |
| Return on Equity (ROE) | 14.3400% | 1,418 |
| Retained earnings to average equity (ytd only) | 13.6289% | 439 |
| Net charge-offs to loans | 0.2007% | 528 |
| Credit loss provision to net charge-offs | 186.9318% | 1,275 |
| Earnings coverage of net charge-offs (x) | 9.8841% | 2,264 |
| Efficiency ratio | 51.7475% | 3,856 |
| Assets per employee ($millions) | 7.1189% | 1,994 |
| Cash dividends to net income (ytd only)* | 4.9311% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,273 |
| Loan loss allowance to noncurrent loans | 404.7050% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 961 |
| Noncurrent loans to loans | 0.2977% | 2,115 |
| Net loans and leases to total assets | 89.8000% | 38 |
| Net loans and leases to deposits | 102.1009% | 427 |
| Net loans and leases to core deposits | 120.1062% | 622 |
| Total domestic deposits to total assets | 87.9500% | 1,376 |
| Equity capital to assets | 9.0157% | 2,667 |
| Core capital (leverage) ratio | 8.7004% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7567% | 2,319 |
| Memoranda: | ||
| Average total assets | $1,022,055,600 | 966 |
| Average earning assets | $971,768,200 | 930 |
| Average equity | $84,592,600 | 1,087 |
| Average total loans | $876,931,800 | 807 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 1,220 |
| Cost of funding earning assets | 2.1780% | 519 |
| Net interest margin | 3.1662% | 2,988 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.7713% | 4,029 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.1276% | 1,975 |
| Return on assets (ROA) | 1.1301% | 1,946 |
| Pretax return on assets | 1.4304% | 1,715 |
| Return on Equity (ROE) | 13.9500% | 1,668 |
| Retained earnings to average equity (ytd only) | 13.0090% | 812 |
| Net charge-offs to loans | 0.2629% | 338 |
| Credit loss provision to net charge-offs | 174.0396% | 1,215 |
| Earnings coverage of net charge-offs (x) | 7.5116% | 2,232 |
| Efficiency ratio | 51.4685% | 3,799 |
| Assets per employee ($millions) | 7.5875% | 1,575 |
| Cash dividends to net income (ytd only)* | 6.7682% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,452 |
| Loan loss allowance to noncurrent loans | 345.1076% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 1,009 |
| Noncurrent loans to loans | 0.3428% | 2,003 |
| Net loans and leases to total assets | 83.8000% | 294 |
| Net loans and leases to deposits | 93.6290% | 928 |
| Net loans and leases to core deposits | 111.1906% | 826 |
| Total domestic deposits to total assets | 89.5000% | 1,072 |
| Equity capital to assets | 8.1003% | 2,985 |
| Core capital (leverage) ratio | 8.2391% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2157% | 2,544 |
| Memoranda: | ||
| Average total assets | $1,030,189,000 | 958 |
| Average earning assets | $980,249,000 | 928 |
| Average equity | $83,437,750 | 1,092 |
| Average total loans | $871,309,750 | 808 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 1,308 |
| Cost of funding earning assets | 2.0436% | 448 |
| Net interest margin | 3.0923% | 3,239 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.7757% | 4,046 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.0456% | 2,269 |
| Return on assets (ROA) | 1.0495% | 2,260 |
| Pretax return on assets | 1.3287% | 1,994 |
| Return on Equity (ROE) | 12.9000% | 1,921 |
| Retained earnings to average equity (ytd only) | 12.2393% | 943 |
| Net charge-offs to loans | 0.3777% | 219 |
| Credit loss provision to net charge-offs | 164.9295% | 1,142 |
| Earnings coverage of net charge-offs (x) | 5.0546% | 2,191 |
| Efficiency ratio | 52.3964% | 3,748 |
| Assets per employee ($millions) | 7.7874% | 1,424 |
| Cash dividends to net income (ytd only)* | 5.1091% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,607 |
| Loan loss allowance to noncurrent loans | 380.4404% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 1,010 |
| Noncurrent loans to loans | 0.3070% | 2,043 |
| Net loans and leases to total assets | 82.2300% | 400 |
| Net loans and leases to deposits | 93.8743% | 879 |
| Net loans and leases to core deposits | 113.2549% | 706 |
| Total domestic deposits to total assets | 87.5900% | 1,751 |
| Equity capital to assets | 7.8891% | 3,284 |
| Core capital (leverage) ratio | 7.9710% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9541% | 2,639 |
| Memoranda: | ||
| Average total assets | $1,022,033,333 | 952 |
| Average earning assets | $972,685,667 | 923 |
| Average equity | $83,158,667 | 1,094 |
| Average total loans | $863,624,667 | 802 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,760 |
| Cost of funding earning assets | 1.7127% | 556 |
| Net interest margin | 3.0262% | 3,533 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.7927% | 4,041 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.2473% | 1,801 |
| Return on assets (ROA) | 1.2473% | 1,777 |
| Pretax return on assets | 1.5734% | 1,522 |
| Return on Equity (ROE) | 15.0800% | 1,540 |
| Retained earnings to average equity (ytd only) | 15.0845% | 794 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8526% | 3,615 |
| Assets per employee ($millions) | 7.9028% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,019 |
| Loan loss allowance to noncurrent loans | 145.0008% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 795 |
| Noncurrent loans to loans | 0.7637% | 1,007 |
| Net loans and leases to total assets | 81.6900% | 399 |
| Net loans and leases to deposits | 98.9195% | 490 |
| Net loans and leases to core deposits | 119.0382% | 462 |
| Total domestic deposits to total assets | 82.5900% | 3,383 |
| Equity capital to assets | 7.9031% | 3,311 |
| Core capital (leverage) ratio | 8.6568% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6972% | 2,813 |
| Memoranda: | ||
| Average total assets | $999,613,500 | 992 |
| Average earning assets | $950,765,000 | 952 |
| Average equity | $82,654,500 | 1,112 |
| Average total loans | $851,620,500 | 826 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 1,218 |
| Cost of funding earning assets | 0.7121% | 555 |
| Net interest margin | 3.5008% | 1,931 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.0311% | 3,496 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.2514% | 1,598 |
| Return on assets (ROA) | 1.1788% | 1,795 |
| Pretax return on assets | 1.5045% | 1,445 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | 12.5526% | 578 |
| Net charge-offs to loans | -0.0018% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5126% | 3,938 |
| Assets per employee ($millions) | 7.0234% | 1,958 |
| Cash dividends to net income (ytd only)* | 5.3311% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,516 |
| Loan loss allowance to noncurrent loans | 501.5921% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 1,928 |
| Noncurrent loans to loans | 0.2783% | 2,156 |
| Net loans and leases to total assets | 86.8300% | 112 |
| Net loans and leases to deposits | 100.6912% | 414 |
| Net loans and leases to core deposits | 118.7463% | 390 |
| Total domestic deposits to total assets | 86.2400% | 2,665 |
| Equity capital to assets | 8.6739% | 2,579 |
| Core capital (leverage) ratio | 8.8851% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0339% | 2,724 |
| Memoranda: | ||
| Average total assets | $873,597,800 | 1,109 |
| Average earning assets | $829,084,800 | 1,077 |
| Average equity | $77,665,400 | 1,157 |
| Average total loans | $764,857,400 | 845 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 1,179 |
| Cost of funding earning assets | 0.5600% | 547 |
| Net interest margin | 3.4811% | 1,719 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.9935% | 3,501 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.3002% | 1,353 |
| Return on assets (ROA) | 1.2983% | 1,323 |
| Pretax return on assets | 1.6503% | 1,005 |
| Return on Equity (ROE) | 14.5100% | 1,289 |
| Retained earnings to average equity (ytd only) | 14.0263% | 462 |
| Net charge-offs to loans | -0.0062% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1709% | 4,072 |
| Assets per employee ($millions) | 6.9571% | 1,979 |
| Cash dividends to net income (ytd only)* | 3.3033% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,753 |
| Loan loss allowance to noncurrent loans | 349.5310% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,586 |
| Noncurrent loans to loans | 0.3898% | 1,839 |
| Net loans and leases to total assets | 86.1700% | 109 |
| Net loans and leases to deposits | 99.7122% | 370 |
| Net loans and leases to core deposits | 116.7010% | 321 |
| Total domestic deposits to total assets | 86.4200% | 2,955 |
| Equity capital to assets | 8.5283% | 2,525 |
| Core capital (leverage) ratio | 9.1358% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6766% | 2,899 |
| Memoranda: | ||
| Average total assets | $854,957,750 | 1,137 |
| Average earning assets | $810,913,500 | 1,106 |
| Average equity | $76,521,250 | 1,185 |
| Average total loans | $747,328,000 | 859 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 1,077 |
| Cost of funding earning assets | 0.4705% | 622 |
| Net interest margin | 3.4513% | 1,450 |
| Noninterest income to average assets | 0.5580% | 1,911 |
| Noninterest expense to average assets | 2.0112% | 3,406 |
| Loan and lease loss provision to assets | 0.1814% | 485 |
| Net operating income to assets | 1.2831% | 1,187 |
| Return on assets (ROA) | 1.2800% | 1,181 |
| Pretax return on assets | 1.6298% | 880 |
| Return on Equity (ROE) | 14.0504% | 1,103 |
| Retained earnings to average equity (ytd only) | 13.3203% | 428 |
| Net charge-offs to loans | 0.0340% | 1,055 |
| Credit loss provision to net charge-offs | 609.7561% | 559 |
| Earnings coverage of net charge-offs (x) | 61.0081% | 1,072 |
| Efficiency ratio | 52.5634% | 4,084 |
| Assets per employee ($millions) | 6.5534% | 2,274 |
| Cash dividends to net income (ytd only)* | 5.1965% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,092 |
| Loan loss allowance to noncurrent loans | 291.5711% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 1,366 |
| Noncurrent loans to loans | 0.4531% | 1,762 |
| Net loans and leases to total assets | 87.1607% | 64 |
| Net loans and leases to deposits | 98.5455% | 324 |
| Net loans and leases to core deposits | 112.7895% | 304 |
| Total domestic deposits to total assets | 88.4472% | 2,403 |
| Equity capital to assets | 9.0825% | 2,337 |
| Core capital (leverage) ratio | 9.3113% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2251% | 2,743 |
| Memoranda: | ||
| Average total assets | $826,873,000 | 1,159 |
| Average earning assets | $783,013,333 | 1,145 |
| Average equity | $75,328,667 | 1,224 |
| Average total loans | $722,934,333 | 865 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 1,074 |
| Cost of funding earning assets | 0.4289% | 729 |
| Net interest margin | 3.3777% | 1,356 |
| Noninterest income to average assets | 0.5255% | 2,017 |
| Noninterest expense to average assets | 2.0375% | 3,331 |
| Loan and lease loss provision to assets | 0.1492% | 530 |
| Net operating income to assets | 1.2060% | 1,233 |
| Return on assets (ROA) | 1.1997% | 1,239 |
| Pretax return on assets | 1.5264% | 968 |
| Return on Equity (ROE) | 13.1478% | 1,004 |
| Retained earnings to average equity (ytd only) | 13.1478% | 454 |
| Net charge-offs to loans | 0.0360% | 939 |
| Credit loss provision to net charge-offs | 476.1905% | 533 |
| Earnings coverage of net charge-offs (x) | 53.7460% | 901 |
| Efficiency ratio | 54.7568% | 4,002 |
| Assets per employee ($millions) | 6.3809% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,112 |
| Loan loss allowance to noncurrent loans | 329.0713% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 1,582 |
| Noncurrent loans to loans | 0.4104% | 2,022 |
| Net loans and leases to total assets | 85.4666% | 61 |
| Net loans and leases to deposits | 97.6685% | 243 |
| Net loans and leases to core deposits | 110.7686% | 243 |
| Total domestic deposits to total assets | 87.5068% | 2,744 |
| Equity capital to assets | 9.2941% | 2,445 |
| Core capital (leverage) ratio | 9.6609% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6166% | 2,740 |
| Memoranda: | ||
| Average total assets | $804,511,500 | 1,187 |
| Average earning assets | $761,102,000 | 1,178 |
| Average equity | $73,411,500 | 1,279 |
| Average total loans | $699,472,000 | 878 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 1,124 |
| Cost of funding earning assets | 0.4176% | 1,413 |
| Net interest margin | 3.7035% | 1,204 |
| Noninterest income to average assets | 0.7135% | 1,718 |
| Noninterest expense to average assets | 2.2672% | 2,892 |
| Loan and lease loss provision to assets | 0.2704% | 322 |
| Net operating income to assets | 1.3131% | 1,567 |
| Return on assets (ROA) | 1.3119% | 1,609 |
| Pretax return on assets | 1.6667% | 1,224 |
| Return on Equity (ROE) | 13.9023% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.7524% | 429 |
| Net charge-offs to loans | -0.1396% | 4,655 |
| Credit loss provision to net charge-offs | -226.4312% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9065% | 3,940 |
| Assets per employee ($millions) | 5.9471% | 2,830 |
| Cash dividends to net income (ytd only)* | 8.2714% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,870 |
| Loan loss allowance to noncurrent loans | 285.5476% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 1,452 |
| Noncurrent loans to loans | 0.4953% | 1,889 |
| Net loans and leases to total assets | 86.0413% | 62 |
| Net loans and leases to deposits | 98.3067% | 241 |
| Net loans and leases to core deposits | 107.2725% | 340 |
| Total domestic deposits to total assets | 87.5234% | 2,274 |
| Equity capital to assets | 8.9421% | 3,689 |
| Core capital (leverage) ratio | 9.0287% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0462% | 2,879 |
| Memoranda: | ||
| Average total assets | $687,467,200 | 1,301 |
| Average earning assets | $648,247,800 | 1,292 |
| Average equity | $64,874,200 | 1,427 |
| Average total loans | $587,945,000 | 1,029 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 1,192 |
| Cost of funding earning assets | 0.4176% | 1,561 |
| Net interest margin | 3.7287% | 1,280 |
| Noninterest income to average assets | 0.7196% | 1,762 |
| Noninterest expense to average assets | 2.2780% | 2,814 |
| Loan and lease loss provision to assets | 0.2871% | 285 |
| Net operating income to assets | 1.3102% | 1,797 |
| Return on assets (ROA) | 1.3086% | 1,858 |
| Pretax return on assets | 1.6679% | 1,493 |
| Return on Equity (ROE) | 13.6591% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.1149% | 817 |
| Net charge-offs to loans | -0.2406% | 4,790 |
| Credit loss provision to net charge-offs | -140.3131% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7909% | 3,837 |
| Assets per employee ($millions) | 5.4930% | 3,209 |
| Cash dividends to net income (ytd only)* | 11.3049% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,609 |
| Loan loss allowance to noncurrent loans | 251.4301% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 1,424 |
| Noncurrent loans to loans | 0.5987% | 1,815 |
| Net loans and leases to total assets | 84.7267% | 96 |
| Net loans and leases to deposits | 97.4824% | 292 |
| Net loans and leases to core deposits | 103.3901% | 479 |
| Total domestic deposits to total assets | 86.9149% | 2,385 |
| Equity capital to assets | 9.3017% | 3,558 |
| Core capital (leverage) ratio | 9.5437% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7178% | 2,798 |
| Memoranda: | ||
| Average total assets | $666,054,250 | 1,345 |
| Average earning assets | $627,944,250 | 1,340 |
| Average equity | $63,809,500 | 1,461 |
| Average total loans | $566,245,000 | 1,084 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 1,447 |
| Cost of funding earning assets | 0.4325% | 1,642 |
| Net interest margin | 3.6190% | 1,548 |
| Noninterest income to average assets | 0.7349% | 1,702 |
| Noninterest expense to average assets | 2.2607% | 2,880 |
| Loan and lease loss provision to assets | 0.2687% | 348 |
| Net operating income to assets | 1.2687% | 1,959 |
| Return on assets (ROA) | 1.2687% | 2,031 |
| Pretax return on assets | 1.6131% | 1,699 |
| Return on Equity (ROE) | 13.1022% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.5600% | 1,002 |
| Net charge-offs to loans | -0.3740% | 4,862 |
| Credit loss provision to net charge-offs | -84.8928% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5732% | 3,732 |
| Assets per employee ($millions) | 5.3134% | 3,336 |
| Cash dividends to net income (ytd only)* | 11.7704% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,467 |
| Loan loss allowance to noncurrent loans | 286.3681% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 1,739 |
| Noncurrent loans to loans | 0.5366% | 2,062 |
| Net loans and leases to total assets | 84.5086% | 117 |
| Net loans and leases to deposits | 97.4159% | 338 |
| Net loans and leases to core deposits | 101.1313% | 622 |
| Total domestic deposits to total assets | 86.7503% | 2,446 |
| Equity capital to assets | 9.7419% | 3,103 |
| Core capital (leverage) ratio | 9.7193% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5133% | 2,542 |
| Memoranda: | ||
| Average total assets | $648,210,000 | 1,371 |
| Average earning assets | $610,342,000 | 1,363 |
| Average equity | $62,768,000 | 1,471 |
| Average total loans | $548,660,000 | 1,111 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 1,518 |
| Cost of funding earning assets | 0.4678% | 1,603 |
| Net interest margin | 3.5785% | 1,638 |
| Noninterest income to average assets | 0.7710% | 1,662 |
| Noninterest expense to average assets | 2.3442% | 2,664 |
| Loan and lease loss provision to assets | 0.3043% | 305 |
| Net operating income to assets | 1.1746% | 2,251 |
| Return on assets (ROA) | 1.1746% | 2,320 |
| Pretax return on assets | 1.4920% | 2,015 |
| Return on Equity (ROE) | 12.1682% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.7248% | 1,465 |
| Net charge-offs to loans | -0.0112% | 3,709 |
| Credit loss provision to net charge-offs | -3,246.6667% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6169% | 3,474 |
| Assets per employee ($millions) | 5.1725% | 3,463 |
| Cash dividends to net income (ytd only)* | 11.8617% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,304 |
| Loan loss allowance to noncurrent loans | 158.9810% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 1,261 |
| Noncurrent loans to loans | 0.8355% | 1,598 |
| Net loans and leases to total assets | 83.9377% | 149 |
| Net loans and leases to deposits | 96.3054% | 400 |
| Net loans and leases to core deposits | 100.5923% | 689 |
| Total domestic deposits to total assets | 87.1579% | 2,251 |
| Equity capital to assets | 9.5775% | 3,128 |
| Core capital (leverage) ratio | 9.6526% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5584% | 2,466 |
| Memoranda: | ||
| Average total assets | $640,228,000 | 1,375 |
| Average earning assets | $602,815,000 | 1,365 |
| Average equity | $61,800,500 | 1,481 |
| Average total loans | $537,968,000 | 1,130 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 1,434 |
| Cost of funding earning assets | 0.7865% | 1,265 |
| Net interest margin | 3.6653% | 1,928 |
| Noninterest income to average assets | 0.8906% | 1,292 |
| Noninterest expense to average assets | 2.3455% | 3,287 |
| Loan and lease loss provision to assets | 0.3221% | 1,138 |
| Net operating income to assets | 1.3347% | 1,163 |
| Return on assets (ROA) | 1.5086% | 862 |
| Pretax return on assets | 1.8975% | 554 |
| Return on Equity (ROE) | 15.2955% | 591 |
| Retained earnings to average equity (ytd only) | 13.4706% | 218 |
| Net charge-offs to loans | 0.4178% | 405 |
| Credit loss provision to net charge-offs | 92.6074% | 2,909 |
| Earnings coverage of net charge-offs (x) | 5.7562% | 2,839 |
| Efficiency ratio | 53.9482% | 4,217 |
| Assets per employee ($millions) | 5.0703% | 3,316 |
| Cash dividends to net income (ytd only)* | 11.9314% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,338 |
| Loan loss allowance to noncurrent loans | 121.3477% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 1,047 |
| Noncurrent loans to loans | 1.0841% | 1,306 |
| Net loans and leases to total assets | 81.8582% | 307 |
| Net loans and leases to deposits | 95.3476% | 580 |
| Net loans and leases to core deposits | 100.0093% | 897 |
| Total domestic deposits to total assets | 85.8523% | 2,428 |
| Equity capital to assets | 9.7311% | 3,381 |
| Core capital (leverage) ratio | 9.8736% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7301% | 2,342 |
| Memoranda: | ||
| Average total assets | $575,558,000 | 1,383 |
| Average earning assets | $542,878,200 | 1,370 |
| Average equity | $56,768,200 | 1,506 |
| Average total loans | $479,180,800 | 1,184 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 1,693 |
| Cost of funding earning assets | 0.8674% | 1,186 |
| Net interest margin | 3.5858% | 2,322 |
| Noninterest income to average assets | 0.7059% | 1,783 |
| Noninterest expense to average assets | 2.3948% | 3,149 |
| Loan and lease loss provision to assets | 0.2134% | 1,886 |
| Net operating income to assets | 1.1751% | 1,729 |
| Return on assets (ROA) | 1.3184% | 1,399 |
| Pretax return on assets | 1.6639% | 1,038 |
| Return on Equity (ROE) | 13.3174% | 1,026 |
| Retained earnings to average equity (ytd only) | 11.4851% | 499 |
| Net charge-offs to loans | 0.0791% | 1,516 |
| Credit loss provision to net charge-offs | 323.7410% | 1,689 |
| Earnings coverage of net charge-offs (x) | 25.7266% | 1,714 |
| Efficiency ratio | 58.5415% | 3,594 |
| Assets per employee ($millions) | 4.8905% | 3,385 |
| Cash dividends to net income (ytd only)* | 13.7590% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,325 |
| Loan loss allowance to noncurrent loans | 101.4892% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 715 |
| Noncurrent loans to loans | 1.4984% | 955 |
| Net loans and leases to total assets | 83.5307% | 322 |
| Net loans and leases to deposits | 96.7076% | 709 |
| Net loans and leases to core deposits | 102.1389% | 1,022 |
| Total domestic deposits to total assets | 86.3744% | 1,906 |
| Equity capital to assets | 9.9224% | 3,297 |
| Core capital (leverage) ratio | 9.6039% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8844% | 2,253 |
| Memoranda: | ||
| Average total assets | $562,268,000 | 1,389 |
| Average earning assets | $530,746,500 | 1,375 |
| Average equity | $55,665,000 | 1,523 |
| Average total loans | $468,596,500 | 1,191 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,725 |
| Cost of funding earning assets | 0.9544% | 1,136 |
| Net interest margin | 3.6168% | 2,428 |
| Noninterest income to average assets | 0.6430% | 1,966 |
| Noninterest expense to average assets | 2.4499% | 3,105 |
| Loan and lease loss provision to assets | 0.2172% | 1,921 |
| Net operating income to assets | 1.1042% | 1,951 |
| Return on assets (ROA) | 1.3229% | 1,400 |
| Pretax return on assets | 1.6585% | 1,080 |
| Return on Equity (ROE) | 13.3729% | 1,014 |
| Retained earnings to average equity (ytd only) | 11.5283% | 525 |
| Net charge-offs to loans | 0.0630% | 1,613 |
| Credit loss provision to net charge-offs | 416.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 30.7361% | 1,415 |
| Efficiency ratio | 60.4574% | 3,351 |
| Assets per employee ($millions) | 4.6419% | 3,605 |
| Cash dividends to net income (ytd only)* | 13.7931% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,055 |
| Loan loss allowance to noncurrent loans | 98.6131% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 724 |
| Noncurrent loans to loans | 1.6035% | 920 |
| Net loans and leases to total assets | 79.4512% | 662 |
| Net loans and leases to deposits | 92.0278% | 1,156 |
| Net loans and leases to core deposits | 97.8872% | 1,419 |
| Total domestic deposits to total assets | 86.3340% | 1,876 |
| Equity capital to assets | 9.7192% | 3,447 |
| Core capital (leverage) ratio | 9.4828% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8725% | 2,232 |
| Memoranda: | ||
| Average total assets | $552,439,333 | 1,387 |
| Average earning assets | $520,734,000 | 1,374 |
| Average equity | $54,648,000 | 1,539 |
| Average total loans | $457,485,667 | 1,197 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 1,416 |
| Cost of funding earning assets | 1.0477% | 1,230 |
| Net interest margin | 3.7529% | 2,131 |
| Noninterest income to average assets | 0.5147% | 2,473 |
| Noninterest expense to average assets | 2.5288% | 3,183 |
| Loan and lease loss provision to assets | 0.2238% | 1,385 |
| Net operating income to assets | 1.0308% | 2,075 |
| Return on assets (ROA) | 1.3345% | 1,239 |
| Pretax return on assets | 1.6717% | 906 |
| Return on Equity (ROE) | 13.3635% | 809 |
| Retained earnings to average equity (ytd only) | 11.5035% | 481 |
| Net charge-offs to loans | 0.0302% | 1,776 |
| Credit loss provision to net charge-offs | 882.3529% | 626 |
| Earnings coverage of net charge-offs (x) | 59.7647% | 808 |
| Efficiency ratio | 62.5231% | 3,436 |
| Assets per employee ($millions) | 4.6545% | 3,061 |
| Cash dividends to net income (ytd only)* | 13.9184% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,100 |
| Loan loss allowance to noncurrent loans | 93.1149% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 706 |
| Noncurrent loans to loans | 1.7063% | 888 |
| Net loans and leases to total assets | 82.7567% | 376 |
| Net loans and leases to deposits | 95.9873% | 908 |
| Net loans and leases to core deposits | 103.1669% | 1,236 |
| Total domestic deposits to total assets | 86.2163% | 1,911 |
| Equity capital to assets | 9.9254% | 3,858 |
| Core capital (leverage) ratio | 9.9703% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0937% | 2,242 |
| Memoranda: | ||
| Average total assets | $536,218,000 | 1,384 |
| Average earning assets | $504,352,000 | 1,370 |
| Average equity | $53,549,000 | 1,557 |
| Average total loans | $450,147,500 | 1,186 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,664 |
| Cost of funding earning assets | 1.1012% | 1,321 |
| Net interest margin | 3.8291% | 2,407 |
| Noninterest income to average assets | 0.5903% | 2,269 |
| Noninterest expense to average assets | 2.5276% | 3,374 |
| Loan and lease loss provision to assets | 0.2320% | 822 |
| Net operating income to assets | 1.1529% | 2,246 |
| Return on assets (ROA) | 1.2035% | 2,139 |
| Pretax return on assets | 1.4931% | 1,828 |
| Return on Equity (ROE) | 12.4147% | 1,356 |
| Retained earnings to average equity (ytd only) | 10.5457% | 392 |
| Net charge-offs to loans | 0.2109% | 969 |
| Credit loss provision to net charge-offs | 130.4348% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.3467% | 2,676 |
| Efficiency ratio | 60.3202% | 3,644 |
| Assets per employee ($millions) | 4.3625% | 3,423 |
| Cash dividends to net income (ytd only)* | 15.0546% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,009 |
| Loan loss allowance to noncurrent loans | 101.9485% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4633% | 698 |
| Noncurrent loans to loans | 1.5547% | 915 |
| Net loans and leases to total assets | 82.4716% | 492 |
| Net loans and leases to deposits | 93.7069% | 1,187 |
| Net loans and leases to core deposits | 100.6851% | 1,508 |
| Total domestic deposits to total assets | 88.0102% | 1,122 |
| Equity capital to assets | 10.0494% | 3,870 |
| Core capital (leverage) ratio | 9.5880% | 3,976 |
| Tier 1 risk-based capital ratio | 13.0056% | 3,791 |
| Total risk-based capital ratio | 14.2621% | 3,659 |
| Memoranda: | ||
| Average total assets | $517,170,400 | 1,382 |
| Average earning assets | $486,218,400 | 1,365 |
| Average equity | $50,134,000 | 1,596 |
| Average total loans | $436,127,600 | 1,189 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 1,738 |
| Cost of funding earning assets | 1.0944% | 1,378 |
| Net interest margin | 3.8329% | 2,493 |
| Noninterest income to average assets | 0.5914% | 2,252 |
| Noninterest expense to average assets | 2.5163% | 3,393 |
| Loan and lease loss provision to assets | 0.2332% | 724 |
| Net operating income to assets | 1.1701% | 2,302 |
| Return on assets (ROA) | 1.2346% | 2,158 |
| Pretax return on assets | 1.5238% | 1,889 |
| Return on Equity (ROE) | 12.8565% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.9998% | 527 |
| Net charge-offs to loans | 0.2418% | 740 |
| Credit loss provision to net charge-offs | 114.2132% | 2,034 |
| Earnings coverage of net charge-offs (x) | 8.2145% | 2,677 |
| Efficiency ratio | 60.0012% | 3,649 |
| Assets per employee ($millions) | 4.3921% | 3,349 |
| Cash dividends to net income (ytd only)* | 14.4416% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,093 |
| Loan loss allowance to noncurrent loans | 80.5585% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.8217% | 539 |
| Noncurrent loans to loans | 1.9342% | 717 |
| Net loans and leases to total assets | 82.3037% | 530 |
| Net loans and leases to deposits | 93.6997% | 1,245 |
| Net loans and leases to core deposits | 101.2428% | 1,565 |
| Total domestic deposits to total assets | 87.8377% | 1,110 |
| Equity capital to assets | 9.8547% | 4,154 |
| Core capital (leverage) ratio | 9.5313% | 4,138 |
| Tier 1 risk-based capital ratio | 12.4913% | 4,150 |
| Total risk-based capital ratio | 13.7469% | 4,021 |
| Memoranda: | ||
| Average total assets | $514,497,000 | 1,395 |
| Average earning assets | $483,560,000 | 1,373 |
| Average equity | $49,405,750 | 1,622 |
| Average total loans | $434,572,250 | 1,198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 1,881 |
| Cost of funding earning assets | 1.0697% | 1,419 |
| Net interest margin | 3.7894% | 2,612 |
| Noninterest income to average assets | 0.5357% | 2,470 |
| Noninterest expense to average assets | 2.4824% | 3,540 |
| Loan and lease loss provision to assets | 0.2351% | 683 |
| Net operating income to assets | 1.1228% | 2,434 |
| Return on assets (ROA) | 1.1526% | 2,388 |
| Pretax return on assets | 1.4176% | 2,147 |
| Return on Equity (ROE) | 12.1125% | 1,534 |
| Retained earnings to average equity (ytd only) | 10.2715% | 683 |
| Net charge-offs to loans | 0.2645% | 630 |
| Credit loss provision to net charge-offs | 104.8951% | 1,903 |
| Earnings coverage of net charge-offs (x) | 7.2080% | 2,508 |
| Efficiency ratio | 60.5719% | 3,645 |
| Assets per employee ($millions) | 4.4136% | 3,268 |
| Cash dividends to net income (ytd only)* | 15.1989% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,157 |
| Loan loss allowance to noncurrent loans | 76.7429% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.9034% | 509 |
| Noncurrent loans to loans | 2.0083% | 708 |
| Net loans and leases to total assets | 83.1767% | 451 |
| Net loans and leases to deposits | 94.4125% | 1,215 |
| Net loans and leases to core deposits | 103.3886% | 1,435 |
| Total domestic deposits to total assets | 88.0993% | 1,056 |
| Equity capital to assets | 9.6566% | 4,269 |
| Core capital (leverage) ratio | 9.4514% | 4,200 |
| Tier 1 risk-based capital ratio | 12.3271% | 4,229 |
| Total risk-based capital ratio | 13.5827% | 4,093 |
| Memoranda: | ||
| Average total assets | $510,313,670 | 1,403 |
| Average earning assets | $479,764,330 | 1,384 |
| Average equity | $48,561,330 | 1,641 |
| Average total loans | $432,548,000 | 1,202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 1,816 |
| Cost of funding earning assets | 1.0561% | 1,352 |
| Net interest margin | 3.7747% | 2,616 |
| Noninterest income to average assets | 0.5401% | 2,337 |
| Noninterest expense to average assets | 2.4939% | 3,530 |
| Loan and lease loss provision to assets | 0.2376% | 633 |
| Net operating income to assets | 1.1016% | 2,459 |
| Return on assets (ROA) | 1.1080% | 2,485 |
| Pretax return on assets | 1.3661% | 2,208 |
| Return on Equity (ROE) | 11.7326% | 1,640 |
| Retained earnings to average equity (ytd only) | 9.8792% | 1,062 |
| Net charge-offs to loans | 0.2080% | 673 |
| Credit loss provision to net charge-offs | 134.5291% | 1,330 |
| Earnings coverage of net charge-offs (x) | 9.0359% | 2,055 |
| Efficiency ratio | 60.9799% | 3,683 |
| Assets per employee ($millions) | 4.4794% | 3,225 |
| Cash dividends to net income (ytd only)* | 15.7970% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,085 |
| Loan loss allowance to noncurrent loans | 72.8611% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0354% | 471 |
| Noncurrent loans to loans | 2.1809% | 652 |
| Net loans and leases to total assets | 82.1135% | 576 |
| Net loans and leases to deposits | 93.6351% | 1,211 |
| Net loans and leases to core deposits | 101.2318% | 1,520 |
| Total domestic deposits to total assets | 87.6952% | 1,482 |
| Equity capital to assets | 9.4100% | 4,334 |
| Core capital (leverage) ratio | 9.2921% | 4,373 |
| Tier 1 risk-based capital ratio | 12.7622% | 4,007 |
| Total risk-based capital ratio | 14.0194% | 3,896 |
| Memoranda: | ||
| Average total assets | $505,069,000 | 1,422 |
| Average earning assets | $474,947,000 | 1,405 |
| Average equity | $47,696,000 | 1,652 |
| Average total loans | $428,838,000 | 1,214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 1,724 |
| Cost of funding earning assets | 0.8569% | 1,274 |
| Net interest margin | 3.8767% | 2,407 |
| Noninterest income to average assets | 0.5154% | 2,746 |
| Noninterest expense to average assets | 2.5314% | 3,517 |
| Loan and lease loss provision to assets | 0.2494% | 688 |
| Net operating income to assets | 1.1423% | 2,425 |
| Return on assets (ROA) | 1.1430% | 2,420 |
| Pretax return on assets | 1.3797% | 2,207 |
| Return on Equity (ROE) | 12.4166% | 1,571 |
| Retained earnings to average equity (ytd only) | 10.5217% | 519 |
| Net charge-offs to loans | 0.1755% | 1,097 |
| Credit loss provision to net charge-offs | 165.7064% | 1,682 |
| Earnings coverage of net charge-offs (x) | 10.8203% | 2,683 |
| Efficiency ratio | 60.8555% | 3,717 |
| Assets per employee ($millions) | 4.1597% | 3,672 |
| Cash dividends to net income (ytd only)* | 15.2610% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,073 |
| Loan loss allowance to noncurrent loans | 79.2909% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 576 |
| Noncurrent loans to loans | 1.9909% | 678 |
| Net loans and leases to total assets | 85.0695% | 307 |
| Net loans and leases to deposits | 99.9850% | 750 |
| Net loans and leases to core deposits | 107.0132% | 1,194 |
| Total domestic deposits to total assets | 85.0822% | 2,612 |
| Equity capital to assets | 9.4782% | 4,149 |
| Core capital (leverage) ratio | 9.4031% | 4,233 |
| Tier 1 risk-based capital ratio | 12.7412% | 3,996 |
| Total risk-based capital ratio | 13.9985% | 3,871 |
| Memoranda: | ||
| Average total assets | $484,441,600 | 1,446 |
| Average earning assets | $455,386,200 | 1,432 |
| Average equity | $44,593,400 | 1,672 |
| Average total loans | $415,353,800 | 1,216 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,756 |
| Cost of funding earning assets | 0.8281% | 1,205 |
| Net interest margin | 3.8450% | 2,486 |
| Noninterest income to average assets | 0.5341% | 2,650 |
| Noninterest expense to average assets | 2.4834% | 3,642 |
| Loan and lease loss provision to assets | 0.2513% | 625 |
| Net operating income to assets | 1.1639% | 2,395 |
| Return on assets (ROA) | 1.1648% | 2,397 |
| Pretax return on assets | 1.4149% | 2,178 |
| Return on Equity (ROE) | 12.7507% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.8513% | 679 |
| Net charge-offs to loans | 0.0864% | 1,643 |
| Credit loss provision to net charge-offs | 340.0749% | 921 |
| Earnings coverage of net charge-offs (x) | 22.5357% | 1,872 |
| Efficiency ratio | 59.8626% | 3,832 |
| Assets per employee ($millions) | 4.1095% | 3,713 |
| Cash dividends to net income (ytd only)* | 14.8967% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 947 |
| Loan loss allowance to noncurrent loans | 85.4460% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 687 |
| Noncurrent loans to loans | 1.9416% | 773 |
| Net loans and leases to total assets | 84.5415% | 394 |
| Net loans and leases to deposits | 98.8529% | 876 |
| Net loans and leases to core deposits | 105.0259% | 1,380 |
| Total domestic deposits to total assets | 85.5225% | 2,388 |
| Equity capital to assets | 9.3905% | 4,190 |
| Core capital (leverage) ratio | 9.2363% | 4,477 |
| Tier 1 risk-based capital ratio | 12.6374% | 4,132 |
| Total risk-based capital ratio | 13.8957% | 4,016 |
| Memoranda: | ||
| Average total assets | $481,800,250 | 1,460 |
| Average earning assets | $452,907,250 | 1,442 |
| Average equity | $44,012,250 | 1,699 |
| Average total loans | $412,228,750 | 1,224 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,686 |
| Cost of funding earning assets | 0.8152% | 1,064 |
| Net interest margin | 3.8175% | 2,516 |
| Noninterest income to average assets | 0.5138% | 2,781 |
| Noninterest expense to average assets | 2.4515% | 3,772 |
| Loan and lease loss provision to assets | 0.2529% | 608 |
| Net operating income to assets | 1.1397% | 2,435 |
| Return on assets (ROA) | 1.1411% | 2,438 |
| Pretax return on assets | 1.3974% | 2,159 |
| Return on Equity (ROE) | 12.6102% | 1,505 |
| Retained earnings to average equity (ytd only) | 10.7254% | 726 |
| Net charge-offs to loans | 0.0930% | 1,417 |
| Credit loss provision to net charge-offs | 318.3246% | 965 |
| Earnings coverage of net charge-offs (x) | 20.7487% | 1,796 |
| Efficiency ratio | 59.7910% | 3,968 |
| Assets per employee ($millions) | 4.1120% | 3,708 |
| Cash dividends to net income (ytd only)* | 14.9471% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,036 |
| Loan loss allowance to noncurrent loans | 140.9522% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 1,474 |
| Noncurrent loans to loans | 1.1552% | 1,506 |
| Net loans and leases to total assets | 83.3095% | 543 |
| Net loans and leases to deposits | 97.2284% | 1,019 |
| Net loans and leases to core deposits | 103.9962% | 1,400 |
| Total domestic deposits to total assets | 85.6843% | 2,416 |
| Equity capital to assets | 9.1761% | 4,401 |
| Core capital (leverage) ratio | 9.0035% | 4,685 |
| Tier 1 risk-based capital ratio | 12.6501% | 4,095 |
| Total risk-based capital ratio | 13.9085% | 3,989 |
| Memoranda: | ||
| Average total assets | $480,761,000 | 1,467 |
| Average earning assets | $451,654,000 | 1,450 |
| Average equity | $43,504,330 | 1,723 |
| Average total loans | $410,680,670 | 1,230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,643 |
| Cost of funding earning assets | 0.8008% | 951 |
| Net interest margin | 3.7752% | 2,522 |
| Noninterest income to average assets | 0.5091% | 2,752 |
| Noninterest expense to average assets | 2.4625% | 3,767 |
| Loan and lease loss provision to assets | 0.2575% | 567 |
| Net operating income to assets | 1.0908% | 2,467 |
| Return on assets (ROA) | 1.0984% | 2,438 |
| Pretax return on assets | 1.3408% | 2,218 |
| Return on Equity (ROE) | 12.2248% | 1,498 |
| Retained earnings to average equity (ytd only) | 10.4106% | 1,041 |
| Net charge-offs to loans | 0.0896% | 1,266 |
| Credit loss provision to net charge-offs | 334.7826% | 757 |
| Earnings coverage of net charge-offs (x) | 20.6630% | 1,457 |
| Efficiency ratio | 60.7799% | 3,974 |
| Assets per employee ($millions) | 4.2142% | 3,628 |
| Cash dividends to net income (ytd only)* | 14.8402% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 1,187 |
| Loan loss allowance to noncurrent loans | 142.7221% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 1,470 |
| Noncurrent loans to loans | 1.1123% | 1,649 |
| Net loans and leases to total assets | 83.0321% | 533 |
| Net loans and leases to deposits | 94.7064% | 1,166 |
| Net loans and leases to core deposits | 103.5787% | 1,408 |
| Total domestic deposits to total assets | 87.6732% | 1,800 |
| Equity capital to assets | 8.9386% | 4,625 |
| Core capital (leverage) ratio | 8.8960% | 4,805 |
| Tier 1 risk-based capital ratio | 12.2363% | 4,412 |
| Total risk-based capital ratio | 13.4937% | 4,308 |
| Memoranda: | ||
| Average total assets | $478,533,500 | 1,476 |
| Average earning assets | $449,040,500 | 1,463 |
| Average equity | $42,994,500 | 1,751 |
| Average total loans | $410,560,000 | 1,236 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,268 |
| Cost of funding earning assets | 0.6955% | 1,052 |
| Net interest margin | 3.9708% | 1,842 |
| Noninterest income to average assets | 0.8508% | 1,405 |
| Noninterest expense to average assets | 3.0005% | 2,166 |
| Loan and lease loss provision to assets | 0.2722% | 658 |
| Net operating income to assets | 0.7452% | 3,409 |
| Return on assets (ROA) | 0.7503% | 3,429 |
| Pretax return on assets | 1.2871% | 2,405 |
| Return on Equity (ROE) | 8.2345% | 2,682 |
| Retained earnings to average equity (ytd only) | 4.7954% | 2,263 |
| Net charge-offs to loans | 0.1211% | 1,837 |
| Credit loss provision to net charge-offs | 257.6520% | 1,078 |
| Earnings coverage of net charge-offs (x) | 14.6855% | 2,311 |
| Efficiency ratio | 65.9190% | 3,287 |
| Assets per employee ($millions) | 4.0037% | 3,952 |
| Cash dividends to net income (ytd only)* | 41.7651% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,334 |
| Loan loss allowance to noncurrent loans | 130.5931% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 1,222 |
| Noncurrent loans to loans | 1.1656% | 1,521 |
| Net loans and leases to total assets | 85.9279% | 259 |
| Net loans and leases to deposits | 103.3959% | 523 |
| Net loans and leases to core deposits | 109.7493% | 1,024 |
| Total domestic deposits to total assets | 83.1058% | 3,525 |
| Equity capital to assets | 9.0319% | 4,686 |
| Core capital (leverage) ratio | 8.8072% | 4,852 |
| Tier 1 risk-based capital ratio | 11.5167% | 4,838 |
| Total risk-based capital ratio | 12.7725% | 4,733 |
| Memoranda: | ||
| Average total assets | $451,557,200 | 1,540 |
| Average earning assets | $420,869,200 | 1,528 |
| Average equity | $41,143,800 | 1,810 |
| Average total loans | $393,902,400 | 1,249 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,234 |
| Cost of funding earning assets | 0.6778% | 1,084 |
| Net interest margin | 3.9799% | 1,778 |
| Noninterest income to average assets | 0.9230% | 1,207 |
| Noninterest expense to average assets | 3.0108% | 2,084 |
| Loan and lease loss provision to assets | 0.2775% | 588 |
| Net operating income to assets | 0.8783% | 3,137 |
| Return on assets (ROA) | 0.8860% | 3,146 |
| Pretax return on assets | 1.3526% | 2,271 |
| Return on Equity (ROE) | 9.7015% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.2180% | 2,100 |
| Net charge-offs to loans | 0.1000% | 1,784 |
| Credit loss provision to net charge-offs | 318.1507% | 942 |
| Earnings coverage of net charge-offs (x) | 18.5550% | 2,037 |
| Efficiency ratio | 65.0384% | 3,371 |
| Assets per employee ($millions) | 3.7715% | 4,336 |
| Cash dividends to net income (ytd only)* | 35.9068% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,495 |
| Loan loss allowance to noncurrent loans | 141.0579% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 1,554 |
| Noncurrent loans to loans | 1.0707% | 1,800 |
| Net loans and leases to total assets | 86.5939% | 222 |
| Net loans and leases to deposits | 99.3316% | 791 |
| Net loans and leases to core deposits | 109.6321% | 1,048 |
| Total domestic deposits to total assets | 87.1765% | 1,783 |
| Equity capital to assets | 9.0297% | 4,888 |
| Core capital (leverage) ratio | 8.7116% | 5,050 |
| Tier 1 risk-based capital ratio | 11.4440% | 4,989 |
| Total risk-based capital ratio | 12.6998% | 4,881 |
| Memoranda: | ||
| Average total assets | $446,336,750 | 1,568 |
| Average earning assets | $415,646,500 | 1,560 |
| Average equity | $40,762,250 | 1,840 |
| Average total loans | $389,320,000 | 1,267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,329 |
| Cost of funding earning assets | 0.6507% | 1,137 |
| Net interest margin | 3.9193% | 1,864 |
| Noninterest income to average assets | 0.9689% | 1,093 |
| Noninterest expense to average assets | 3.0494% | 1,979 |
| Loan and lease loss provision to assets | 0.2856% | 554 |
| Net operating income to assets | 0.8386% | 3,204 |
| Return on assets (ROA) | 0.8386% | 3,260 |
| Pretax return on assets | 1.2795% | 2,462 |
| Return on Equity (ROE) | 9.1465% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,358 |
| Net charge-offs to loans | 0.1007% | 1,615 |
| Credit loss provision to net charge-offs | 325.9067% | 907 |
| Earnings coverage of net charge-offs (x) | 17.8601% | 1,907 |
| Efficiency ratio | 66.0828% | 3,338 |
| Assets per employee ($millions) | 3.5154% | 4,700 |
| Cash dividends to net income (ytd only)* | 38.8197% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,620 |
| Loan loss allowance to noncurrent loans | 121.1671% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 1,266 |
| Noncurrent loans to loans | 1.2280% | 1,583 |
| Net loans and leases to total assets | 85.6729% | 295 |
| Net loans and leases to deposits | 99.9210% | 744 |
| Net loans and leases to core deposits | 112.5306% | 874 |
| Total domestic deposits to total assets | 85.7407% | 2,507 |
| Equity capital to assets | 8.9490% | 4,948 |
| Core capital (leverage) ratio | 8.8185% | 4,929 |
| Tier 1 risk-based capital ratio | 10.8876% | 5,314 |
| Total risk-based capital ratio | 12.1421% | 5,224 |
| Memoranda: | ||
| Average total assets | $440,485,000 | 1,590 |
| Average earning assets | $409,717,670 | 1,584 |
| Average equity | $40,387,000 | 1,854 |
| Average total loans | $383,139,330 | 1,292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,242 |
| Cost of funding earning assets | 0.6349% | 1,163 |
| Net interest margin | 3.9227% | 1,699 |
| Noninterest income to average assets | 0.9376% | 1,148 |
| Noninterest expense to average assets | 3.1556% | 1,729 |
| Loan and lease loss provision to assets | 0.3057% | 431 |
| Net operating income to assets | 0.7285% | 3,568 |
| Return on assets (ROA) | 0.7285% | 3,617 |
| Pretax return on assets | 1.1216% | 2,899 |
| Return on Equity (ROE) | 7.8450% | 2,998 |
| Retained earnings to average equity (ytd only) | 4.1326% | 3,394 |
| Net charge-offs to loans | 0.0555% | 1,776 |
| Credit loss provision to net charge-offs | 632.6923% | 495 |
| Earnings coverage of net charge-offs (x) | 29.5385% | 1,227 |
| Efficiency ratio | 68.8564% | 3,071 |
| Assets per employee ($millions) | 3.3854% | 4,950 |
| Cash dividends to net income (ytd only)* | 47.3214% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,610 |
| Loan loss allowance to noncurrent loans | 101.2042% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 971 |
| Noncurrent loans to loans | 1.5062% | 1,324 |
| Net loans and leases to total assets | 85.7824% | 239 |
| Net loans and leases to deposits | 100.5152% | 589 |
| Net loans and leases to core deposits | 105.8192% | 1,114 |
| Total domestic deposits to total assets | 85.3427% | 2,940 |
| Equity capital to assets | 9.2029% | 4,615 |
| Core capital (leverage) ratio | 9.0389% | 4,687 |
| Tier 1 risk-based capital ratio | 10.6506% | 5,486 |
| Total risk-based capital ratio | 11.9047% | 5,395 |
| Memoranda: | ||
| Average total assets | $430,468,000 | 1,635 |
| Average earning assets | $400,034,000 | 1,621 |
| Average equity | $39,974,500 | 1,867 |
| Average total loans | $374,459,500 | 1,321 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 1,234 |
| Cost of funding earning assets | 0.6306% | 1,153 |
| Net interest margin | 3.9887% | 1,662 |
| Noninterest income to average assets | 1.4326% | 567 |
| Noninterest expense to average assets | 3.3951% | 1,369 |
| Loan and lease loss provision to assets | 0.2380% | 898 |
| Net operating income to assets | 0.9920% | 2,384 |
| Return on assets (ROA) | 0.9723% | 2,584 |
| Pretax return on assets | 1.4596% | 1,716 |
| Return on Equity (ROE) | 10.4343% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.5921% | 1,411 |
| Net charge-offs to loans | 0.2390% | 1,168 |
| Credit loss provision to net charge-offs | 115.8080% | 2,272 |
| Earnings coverage of net charge-offs (x) | 8.4040% | 2,873 |
| Efficiency ratio | 66.2846% | 3,548 |
| Assets per employee ($millions) | 3.2384% | 5,114 |
| Cash dividends to net income (ytd only)* | 36.8226% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,675 |
| Loan loss allowance to noncurrent loans | 98.6779% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 945 |
| Noncurrent loans to loans | 1.5189% | 1,316 |
| Net loans and leases to total assets | 85.5621% | 262 |
| Net loans and leases to deposits | 99.7255% | 684 |
| Net loans and leases to core deposits | 105.3482% | 1,173 |
| Total domestic deposits to total assets | 85.7976% | 2,681 |
| Equity capital to assets | 9.3721% | 4,403 |
| Core capital (leverage) ratio | 9.0685% | 4,659 |
| Tier 1 risk-based capital ratio | 10.4356% | 5,599 |
| Total risk-based capital ratio | 11.6883% | 5,545 |
| Memoranda: | ||
| Average total assets | $415,602,200 | 1,628 |
| Average earning assets | $384,413,800 | 1,623 |
| Average equity | $38,728,200 | 1,896 |
| Average total loans | $357,355,600 | 1,314 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 1,306 |
| Cost of funding earning assets | 0.6263% | 1,162 |
| Net interest margin | 3.9679% | 1,762 |
| Noninterest income to average assets | 1.4702% | 553 |
| Noninterest expense to average assets | 3.3425% | 1,471 |
| Loan and lease loss provision to assets | 0.2290% | 879 |
| Net operating income to assets | 1.0270% | 2,311 |
| Return on assets (ROA) | 1.0355% | 2,386 |
| Pretax return on assets | 1.5792% | 1,436 |
| Return on Equity (ROE) | 11.1286% | 1,627 |
| Retained earnings to average equity (ytd only) | 7.1672% | 1,547 |
| Net charge-offs to loans | 0.2786% | 827 |
| Credit loss provision to net charge-offs | 95.8165% | 2,442 |
| Earnings coverage of net charge-offs (x) | 7.5128% | 2,869 |
| Efficiency ratio | 65.0577% | 3,753 |
| Assets per employee ($millions) | 3.2221% | 5,142 |
| Cash dividends to net income (ytd only)* | 35.5963% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,985 |
| Loan loss allowance to noncurrent loans | 88.7655% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 760 |
| Noncurrent loans to loans | 1.6328% | 1,315 |
| Net loans and leases to total assets | 84.9998% | 325 |
| Net loans and leases to deposits | 102.4618% | 539 |
| Net loans and leases to core deposits | 108.6779% | 1,006 |
| Total domestic deposits to total assets | 82.9575% | 3,619 |
| Equity capital to assets | 9.2561% | 4,913 |
| Core capital (leverage) ratio | 8.9845% | 4,844 |
| Tier 1 risk-based capital ratio | 11.1688% | 5,275 |
| Total risk-based capital ratio | 12.4226% | 5,183 |
| Memoranda: | ||
| Average total assets | $413,446,500 | 1,637 |
| Average earning assets | $382,152,750 | 1,635 |
| Average equity | $38,470,500 | 1,911 |
| Average total loans | $354,569,750 | 1,324 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 1,315 |
| Cost of funding earning assets | 0.6211% | 1,187 |
| Net interest margin | 3.9552% | 1,791 |
| Noninterest income to average assets | 1.4187% | 573 |
| Noninterest expense to average assets | 3.3647% | 1,453 |
| Loan and lease loss provision to assets | 0.2302% | 879 |
| Net operating income to assets | 0.9632% | 2,560 |
| Return on assets (ROA) | 0.9760% | 2,639 |
| Pretax return on assets | 1.4950% | 1,680 |
| Return on Equity (ROE) | 10.4696% | 1,861 |
| Retained earnings to average equity (ytd only) | 6.2671% | 1,977 |
| Net charge-offs to loans | 0.2249% | 1,038 |
| Credit loss provision to net charge-offs | 119.5929% | 1,875 |
| Earnings coverage of net charge-offs (x) | 8.8626% | 2,477 |
| Efficiency ratio | 66.3608% | 3,620 |
| Assets per employee ($millions) | 3.1316% | 5,292 |
| Cash dividends to net income (ytd only)* | 40.1405% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,803 |
| Loan loss allowance to noncurrent loans | 88.8185% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 663 |
| Noncurrent loans to loans | 1.7059% | 1,241 |
| Net loans and leases to total assets | 84.6498% | 372 |
| Net loans and leases to deposits | 103.6319% | 474 |
| Net loans and leases to core deposits | 110.2315% | 922 |
| Total domestic deposits to total assets | 81.6832% | 4,094 |
| Equity capital to assets | 9.2559% | 5,016 |
| Core capital (leverage) ratio | 9.0373% | 4,783 |
| Tier 1 risk-based capital ratio | 11.4053% | 5,213 |
| Total risk-based capital ratio | 12.6603% | 5,103 |
| Memoranda: | ||
| Average total assets | $408,415,000 | 1,658 |
| Average earning assets | $377,075,000 | 1,653 |
| Average equity | $38,072,000 | 1,938 |
| Average total loans | $349,554,330 | 1,335 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,351 |
| Cost of funding earning assets | 0.6211% | 1,211 |
| Net interest margin | 3.9453% | 1,798 |
| Noninterest income to average assets | 1.3207% | 629 |
| Noninterest expense to average assets | 3.4270% | 1,330 |
| Loan and lease loss provision to assets | 0.2234% | 845 |
| Net operating income to assets | 0.8389% | 3,036 |
| Return on assets (ROA) | 0.8332% | 3,203 |
| Pretax return on assets | 1.3009% | 2,301 |
| Return on Equity (ROE) | 8.9048% | 2,470 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,213 |
| Net charge-offs to loans | 0.2535% | 818 |
| Credit loss provision to net charge-offs | 103.2110% | 1,580 |
| Earnings coverage of net charge-offs (x) | 7.0826% | 2,176 |
| Efficiency ratio | 69.0891% | 3,286 |
| Assets per employee ($millions) | 2.8772% | 5,620 |
| Cash dividends to net income (ytd only)* | 48.9869% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,747 |
| Loan loss allowance to noncurrent loans | 76.1146% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.4131% | 633 |
| Noncurrent loans to loans | 2.0507% | 1,033 |
| Net loans and leases to total assets | 84.4695% | 329 |
| Net loans and leases to deposits | 99.9806% | 622 |
| Net loans and leases to core deposits | 106.0955% | 1,072 |
| Total domestic deposits to total assets | 84.4859% | 3,319 |
| Equity capital to assets | 9.4230% | 4,750 |
| Core capital (leverage) ratio | 9.0476% | 4,795 |
| Tier 1 risk-based capital ratio | 11.8919% | 4,981 |
| Total risk-based capital ratio | 13.1479% | 4,886 |
| Memoranda: | ||
| Average total assets | $402,804,500 | 1,673 |
| Average earning assets | $371,579,500 | 1,674 |
| Average equity | $37,687,500 | 1,954 |
| Average total loans | $343,988,500 | 1,352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 1,328 |
| Cost of funding earning assets | 0.6344% | 1,158 |
| Net interest margin | 3.9665% | 1,822 |
| Noninterest income to average assets | 1.7576% | 433 |
| Noninterest expense to average assets | 3.6832% | 1,001 |
| Loan and lease loss provision to assets | 0.2880% | 609 |
| Net operating income to assets | 0.9292% | 2,708 |
| Return on assets (ROA) | 0.9386% | 2,744 |
| Pretax return on assets | 1.4585% | 1,686 |
| Return on Equity (ROE) | 9.9446% | 2,032 |
| Retained earnings to average equity (ytd only) | 4.0315% | 3,151 |
| Net charge-offs to loans | 0.2097% | 1,403 |
| Credit loss provision to net charge-offs | 160.2878% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.6388% | 2,799 |
| Efficiency ratio | 68.0193% | 3,572 |
| Assets per employee ($millions) | 2.9189% | 5,594 |
| Cash dividends to net income (ytd only)* | 59.4602% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,707 |
| Loan loss allowance to noncurrent loans | 70.6067% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5752% | 587 |
| Noncurrent loans to loans | 2.2291% | 882 |
| Net loans and leases to total assets | 83.6502% | 421 |
| Net loans and leases to deposits | 102.4208% | 521 |
| Net loans and leases to core deposits | 109.1075% | 914 |
| Total domestic deposits to total assets | 81.6731% | 4,273 |
| Equity capital to assets | 9.2896% | 4,806 |
| Core capital (leverage) ratio | 9.1505% | 4,683 |
| Tier 1 risk-based capital ratio | 11.2215% | 5,413 |
| Total risk-based capital ratio | 12.4764% | 5,306 |
| Memoranda: | ||
| Average total assets | $386,841,000 | 1,698 |
| Average earning assets | $356,691,400 | 1,696 |
| Average equity | $36,512,200 | 1,954 |
| Average total loans | $331,500,400 | 1,354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,297 |
| Cost of funding earning assets | 0.6389% | 1,156 |
| Net interest margin | 3.9745% | 1,790 |
| Noninterest income to average assets | 1.8388% | 404 |
| Noninterest expense to average assets | 3.6800% | 1,008 |
| Loan and lease loss provision to assets | 0.2908% | 522 |
| Net operating income to assets | 0.9844% | 2,545 |
| Return on assets (ROA) | 0.9929% | 2,589 |
| Pretax return on assets | 1.5470% | 1,548 |
| Return on Equity (ROE) | 10.4759% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.5637% | 3,226 |
| Net charge-offs to loans | 0.1715% | 1,447 |
| Credit loss provision to net charge-offs | 197.3995% | 1,351 |
| Earnings coverage of net charge-offs (x) | 12.3853% | 2,410 |
| Efficiency ratio | 66.8544% | 3,741 |
| Assets per employee ($millions) | 2.8411% | 5,714 |
| Cash dividends to net income (ytd only)* | 56.4363% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 1,641 |
| Loan loss allowance to noncurrent loans | 66.5307% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 597 |
| Noncurrent loans to loans | 2.4622% | 830 |
| Net loans and leases to total assets | 83.6211% | 412 |
| Net loans and leases to deposits | 98.4587% | 780 |
| Net loans and leases to core deposits | 108.5710% | 949 |
| Total domestic deposits to total assets | 84.9302% | 3,041 |
| Equity capital to assets | 9.6147% | 4,619 |
| Core capital (leverage) ratio | 9.3448% | 4,518 |
| Tier 1 risk-based capital ratio | 10.8915% | 5,709 |
| Total risk-based capital ratio | 12.1459% | 5,630 |
| Memoranda: | ||
| Average total assets | $382,849,500 | 1,729 |
| Average earning assets | $353,108,250 | 1,720 |
| Average equity | $36,285,500 | 1,979 |
| Average total loans | $328,791,250 | 1,362 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,247 |
| Cost of funding earning assets | 0.6404% | 1,160 |
| Net interest margin | 3.9751% | 1,719 |
| Noninterest income to average assets | 1.9499% | 384 |
| Noninterest expense to average assets | 3.7315% | 950 |
| Loan and lease loss provision to assets | 0.2814% | 577 |
| Net operating income to assets | 1.0285% | 2,241 |
| Return on assets (ROA) | 1.0412% | 2,292 |
| Pretax return on assets | 1.6223% | 1,274 |
| Return on Equity (ROE) | 11.0397% | 1,666 |
| Retained earnings to average equity (ytd only) | 4.3781% | 3,232 |
| Net charge-offs to loans | 0.2001% | 1,257 |
| Credit loss provision to net charge-offs | 163.2219% | 1,449 |
| Earnings coverage of net charge-offs (x) | 10.9271% | 2,333 |
| Efficiency ratio | 66.4520% | 3,934 |
| Assets per employee ($millions) | 2.7985% | 5,813 |
| Cash dividends to net income (ytd only)* | 60.3422% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,975 |
| Loan loss allowance to noncurrent loans | 60.9202% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.9058% | 587 |
| Noncurrent loans to loans | 2.5906% | 851 |
| Net loans and leases to total assets | 85.4567% | 265 |
| Net loans and leases to deposits | 98.4263% | 759 |
| Net loans and leases to core deposits | 110.1038% | 828 |
| Total domestic deposits to total assets | 86.8231% | 2,256 |
| Equity capital to assets | 9.6650% | 4,450 |
| Core capital (leverage) ratio | 9.1709% | 4,730 |
| Tier 1 risk-based capital ratio | 10.9362% | 5,745 |
| Total risk-based capital ratio | 12.1902% | 5,655 |
| Memoranda: | ||
| Average total assets | $381,670,000 | 1,743 |
| Average earning assets | $351,940,670 | 1,734 |
| Average equity | $35,997,330 | 2,000 |
| Average total loans | $328,894,000 | 1,359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,292 |
| Cost of funding earning assets | 0.6292% | 1,235 |
| Net interest margin | 3.9399% | 1,744 |
| Noninterest income to average assets | 1.9165% | 380 |
| Noninterest expense to average assets | 3.7653% | 914 |
| Loan and lease loss provision to assets | 0.2565% | 636 |
| Net operating income to assets | 0.9706% | 2,389 |
| Return on assets (ROA) | 0.9739% | 2,509 |
| Pretax return on assets | 1.5234% | 1,488 |
| Return on Equity (ROE) | 10.4536% | 1,808 |
| Retained earnings to average equity (ytd only) | 5.8647% | 2,569 |
| Net charge-offs to loans | 0.0984% | 1,739 |
| Credit loss provision to net charge-offs | 303.7037% | 796 |
| Earnings coverage of net charge-offs (x) | 21.0123% | 1,391 |
| Efficiency ratio | 67.9654% | 3,832 |
| Assets per employee ($millions) | 2.9215% | 5,764 |
| Cash dividends to net income (ytd only)* | 43.8972% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,243 |
| Loan loss allowance to noncurrent loans | 65.9432% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.1371% | 580 |
| Noncurrent loans to loans | 2.3474% | 1,048 |
| Net loans and leases to total assets | 84.6899% | 271 |
| Net loans and leases to deposits | 97.8067% | 690 |
| Net loans and leases to core deposits | 112.7740% | 618 |
| Total domestic deposits to total assets | 86.5890% | 2,613 |
| Equity capital to assets | 9.3937% | 4,865 |
| Core capital (leverage) ratio | 9.1162% | 4,829 |
| Tier 1 risk-based capital ratio | 10.6835% | 5,943 |
| Total risk-based capital ratio | 11.9372% | 5,868 |
| Memoranda: | ||
| Average total assets | $383,606,500 | 1,741 |
| Average earning assets | $352,803,500 | 1,743 |
| Average equity | $35,739,000 | 2,025 |
| Average total loans | $329,326,000 | 1,363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,220 |
| Cost of funding earning assets | 0.6349% | 1,516 |
| Net interest margin | 4.1048% | 1,566 |
| Noninterest income to average assets | 1.5940% | 498 |
| Noninterest expense to average assets | 3.4311% | 1,638 |
| Loan and lease loss provision to assets | 0.3420% | 565 |
| Net operating income to assets | 0.9961% | 2,398 |
| Return on assets (ROA) | 0.9963% | 2,477 |
| Pretax return on assets | 1.5447% | 1,402 |
| Return on Equity (ROE) | 10.7177% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.5161% | 1,631 |
| Net charge-offs to loans | 0.3797% | 1,132 |
| Credit loss provision to net charge-offs | 106.9888% | 2,237 |
| Earnings coverage of net charge-offs (x) | 5.9008% | 3,326 |
| Efficiency ratio | 64.5243% | 4,499 |
| Assets per employee ($millions) | 3.0772% | 5,593 |
| Cash dividends to net income (ytd only)* | 39.2027% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,381 |
| Loan loss allowance to noncurrent loans | 65.9543% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.1559% | 616 |
| Noncurrent loans to loans | 2.3045% | 1,129 |
| Net loans and leases to total assets | 84.3744% | 318 |
| Net loans and leases to deposits | 102.2953% | 500 |
| Net loans and leases to core deposits | 118.0965% | 460 |
| Total domestic deposits to total assets | 82.4812% | 4,258 |
| Equity capital to assets | 9.2386% | 5,023 |
| Core capital (leverage) ratio | 9.0388% | 4,934 |
| Tier 1 risk-based capital ratio | 9.7349% | 6,315 |
| Total risk-based capital ratio | 10.9869% | 6,280 |
| Memoranda: | ||
| Average total assets | $362,540,800 | 1,793 |
| Average earning assets | $328,858,800 | 1,827 |
| Average equity | $33,701,200 | 2,067 |
| Average total loans | $305,220,600 | 1,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 1,226 |
| Cost of funding earning assets | 0.6350% | 1,561 |
| Net interest margin | 4.0995% | 1,575 |
| Noninterest income to average assets | 1.4019% | 636 |
| Noninterest expense to average assets | 3.3405% | 1,813 |
| Loan and lease loss provision to assets | 0.3294% | 561 |
| Net operating income to assets | 0.9326% | 2,768 |
| Return on assets (ROA) | 0.9331% | 2,856 |
| Pretax return on assets | 1.4403% | 1,847 |
| Return on Equity (ROE) | 10.0217% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.9074% | 2,465 |
| Net charge-offs to loans | 0.2833% | 1,387 |
| Credit loss provision to net charge-offs | 138.7755% | 1,692 |
| Earnings coverage of net charge-offs (x) | 7.4521% | 2,926 |
| Efficiency ratio | 65.3782% | 4,313 |
| Assets per employee ($millions) | 3.1081% | 5,579 |
| Cash dividends to net income (ytd only)* | 41.0543% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,270 |
| Loan loss allowance to noncurrent loans | 60.2205% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.4188% | 636 |
| Noncurrent loans to loans | 2.6744% | 1,072 |
| Net loans and leases to total assets | 84.1110% | 332 |
| Net loans and leases to deposits | 106.1384% | 323 |
| Net loans and leases to core deposits | 117.4224% | 454 |
| Total domestic deposits to total assets | 79.2465% | 5,274 |
| Equity capital to assets | 9.2217% | 5,128 |
| Core capital (leverage) ratio | 9.0284% | 5,036 |
| Tier 1 risk-based capital ratio | 9.9562% | 6,358 |
| Total risk-based capital ratio | 11.2096% | 6,320 |
| Memoranda: | ||
| Average total assets | $357,782,750 | 1,836 |
| Average earning assets | $323,577,000 | 1,867 |
| Average equity | $33,313,500 | 2,096 |
| Average total loans | $299,796,000 | 1,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 1,256 |
| Cost of funding earning assets | 0.6369% | 1,608 |
| Net interest margin | 4.0768% | 1,584 |
| Noninterest income to average assets | 1.2951% | 707 |
| Noninterest expense to average assets | 3.3063% | 1,909 |
| Loan and lease loss provision to assets | 0.3385% | 539 |
| Net operating income to assets | 0.8526% | 3,060 |
| Return on assets (ROA) | 0.8534% | 3,156 |
| Pretax return on assets | 1.3206% | 2,186 |
| Return on Equity (ROE) | 9.1341% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.0617% | 2,922 |
| Net charge-offs to loans | 0.3864% | 1,043 |
| Credit loss provision to net charge-offs | 105.2910% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.1570% | 2,978 |
| Efficiency ratio | 66.6019% | 4,263 |
| Assets per employee ($millions) | 3.3010% | 5,249 |
| Cash dividends to net income (ytd only)* | 44.5847% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 2,473 |
| Loan loss allowance to noncurrent loans | 61.3983% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5209% | 653 |
| Noncurrent loans to loans | 2.6003% | 1,183 |
| Net loans and leases to total assets | 82.7274% | 399 |
| Net loans and leases to deposits | 103.1035% | 394 |
| Net loans and leases to core deposits | 111.8434% | 607 |
| Total domestic deposits to total assets | 80.2373% | 5,188 |
| Equity capital to assets | 9.1952% | 5,111 |
| Core capital (leverage) ratio | 9.1638% | 4,797 |
| Tier 1 risk-based capital ratio | 9.7325% | 6,462 |
| Total risk-based capital ratio | 10.9845% | 6,445 |
| Memoranda: | ||
| Average total assets | $352,720,670 | 1,860 |
| Average earning assets | $317,454,000 | 1,890 |
| Average equity | $32,953,330 | 2,100 |
| Average total loans | $293,447,000 | 1,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 1,235 |
| Cost of funding earning assets | 0.6476% | 1,600 |
| Net interest margin | 4.0627% | 1,565 |
| Noninterest income to average assets | 1.0397% | 1,038 |
| Noninterest expense to average assets | 3.2277% | 2,133 |
| Loan and lease loss provision to assets | 0.3446% | 518 |
| Net operating income to assets | 0.7213% | 3,580 |
| Return on assets (ROA) | 0.7228% | 3,657 |
| Pretax return on assets | 1.1044% | 2,886 |
| Return on Equity (ROE) | 7.6725% | 3,105 |
| Retained earnings to average equity (ytd only) | 2.9217% | 4,342 |
| Net charge-offs to loans | 0.3481% | 1,030 |
| Credit loss provision to net charge-offs | 119.6787% | 1,461 |
| Earnings coverage of net charge-offs (x) | 5.0241% | 2,437 |
| Efficiency ratio | 69.0500% | 3,992 |
| Assets per employee ($millions) | 3.0093% | 5,845 |
| Cash dividends to net income (ytd only)* | 61.9200% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 2,365 |
| Loan loss allowance to noncurrent loans | 57.0224% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.2056% | 541 |
| Noncurrent loans to loans | 2.9760% | 1,069 |
| Net loans and leases to total assets | 81.9265% | 362 |
| Net loans and leases to deposits | 97.5762% | 569 |
| Net loans and leases to core deposits | 105.0322% | 793 |
| Total domestic deposits to total assets | 83.9616% | 4,288 |
| Equity capital to assets | 9.3887% | 4,647 |
| Core capital (leverage) ratio | 9.2716% | 4,616 |
| Tier 1 risk-based capital ratio | 10.2944% | 6,394 |
| Total risk-based capital ratio | 11.3765% | 6,407 |
| Memoranda: | ||
| Average total assets | $345,877,500 | 1,899 |
| Average earning assets | $309,449,000 | 1,953 |
| Average equity | $32,584,000 | 2,117 |
| Average total loans | $286,152,000 | 1,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 1,012 |
| Cost of funding earning assets | 0.8070% | 1,181 |
| Net interest margin | 4.1376% | 1,551 |
| Noninterest income to average assets | 0.9158% | 1,628 |
| Noninterest expense to average assets | 3.0237% | 2,983 |
| Loan and lease loss provision to assets | 0.4175% | 708 |
| Net operating income to assets | 0.7067% | 3,766 |
| Return on assets (ROA) | 0.7057% | 3,854 |
| Pretax return on assets | 1.0882% | 2,990 |
| Return on Equity (ROE) | 7.3591% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.6397% | 4,369 |
| Net charge-offs to loans | 0.2061% | 2,815 |
| Credit loss provision to net charge-offs | 254.4304% | 888 |
| Earnings coverage of net charge-offs (x) | 9.1844% | 2,543 |
| Efficiency ratio | 66.7343% | 4,419 |
| Assets per employee ($millions) | 3.2026% | 5,486 |
| Cash dividends to net income (ytd only)* | 64.1295% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,280 |
| Loan loss allowance to noncurrent loans | 47.9965% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 4.8048% | 503 |
| Noncurrent loans to loans | 3.6186% | 842 |
| Net loans and leases to total assets | 80.6861% | 527 |
| Net loans and leases to deposits | 96.5864% | 695 |
| Net loans and leases to core deposits | 104.2701% | 889 |
| Total domestic deposits to total assets | 83.5378% | 4,348 |
| Equity capital to assets | 9.4533% | 4,492 |
| Core capital (leverage) ratio | 9.3827% | 4,430 |
| Tier 1 risk-based capital ratio | 10.5568% | 6,350 |
| Total risk-based capital ratio | 11.6701% | 6,345 |
| Memoranda: | ||
| Average total assets | $336,975,400 | 1,905 |
| Average earning assets | $294,425,000 | 2,014 |
| Average equity | $32,313,800 | 2,113 |
| Average total loans | $268,276,400 | 1,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 978 |
| Cost of funding earning assets | 0.8399% | 1,097 |
| Net interest margin | 4.1400% | 1,511 |
| Noninterest income to average assets | 0.9099% | 1,723 |
| Noninterest expense to average assets | 3.0111% | 2,957 |
| Loan and lease loss provision to assets | 0.3576% | 884 |
| Net operating income to assets | 0.7431% | 3,635 |
| Return on assets (ROA) | 0.7418% | 3,765 |
| Pretax return on assets | 1.1392% | 2,950 |
| Return on Equity (ROE) | 7.7082% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.2162% | 4,385 |
| Net charge-offs to loans | 0.0820% | 3,778 |
| Credit loss provision to net charge-offs | 552.1472% | 510 |
| Earnings coverage of net charge-offs (x) | 23.1409% | 1,473 |
| Efficiency ratio | 66.7665% | 4,348 |
| Assets per employee ($millions) | 3.0529% | 5,763 |
| Cash dividends to net income (ytd only)* | 58.2753% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,399 |
| Loan loss allowance to noncurrent loans | 52.5088% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 4.6525% | 630 |
| Noncurrent loans to loans | 3.3674% | 1,153 |
| Net loans and leases to total assets | 79.6679% | 587 |
| Net loans and leases to deposits | 93.7516% | 842 |
| Net loans and leases to core deposits | 101.7537% | 1,009 |
| Total domestic deposits to total assets | 84.9777% | 3,762 |
| Equity capital to assets | 9.6888% | 4,313 |
| Core capital (leverage) ratio | 9.3827% | 4,555 |
| Tier 1 risk-based capital ratio | 11.0403% | 6,261 |
| Total risk-based capital ratio | 12.1545% | 6,286 |
| Memoranda: | ||
| Average total assets | $335,550,500 | 1,923 |
| Average earning assets | $291,783,250 | 2,036 |
| Average equity | $32,293,750 | 2,135 |
| Average total loans | $265,001,000 | 1,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 942 |
| Cost of funding earning assets | 0.8696% | 1,032 |
| Net interest margin | 4.1081% | 1,515 |
| Noninterest income to average assets | 0.8256% | 2,085 |
| Noninterest expense to average assets | 2.9369% | 3,211 |
| Loan and lease loss provision to assets | 0.3566% | 927 |
| Net operating income to assets | 0.7033% | 3,790 |
| Return on assets (ROA) | 0.7014% | 3,978 |
| Pretax return on assets | 1.0782% | 3,181 |
| Return on Equity (ROE) | 7.3039% | 3,440 |
| Retained earnings to average equity (ytd only) | 3.1568% | 4,313 |
| Net charge-offs to loans | 0.0638% | 3,789 |
| Credit loss provision to net charge-offs | 714.2857% | 417 |
| Earnings coverage of net charge-offs (x) | 28.7976% | 1,180 |
| Efficiency ratio | 67.1332% | 4,335 |
| Assets per employee ($millions) | 3.4400% | 4,975 |
| Cash dividends to net income (ytd only)* | 56.7797% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,681 |
| Loan loss allowance to noncurrent loans | 64.4435% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 4.3264% | 772 |
| Noncurrent loans to loans | 2.6804% | 1,701 |
| Net loans and leases to total assets | 76.8031% | 888 |
| Net loans and leases to deposits | 91.0324% | 1,047 |
| Net loans and leases to core deposits | 98.7151% | 1,158 |
| Total domestic deposits to total assets | 84.3690% | 4,173 |
| Equity capital to assets | 9.5554% | 4,507 |
| Core capital (leverage) ratio | 9.5519% | 4,158 |
| Tier 1 risk-based capital ratio | 11.0018% | 6,332 |
| Total risk-based capital ratio | 12.1128% | 6,364 |
| Memoranda: | ||
| Average total assets | $336,479,000 | 1,927 |
| Average earning assets | $290,694,330 | 2,051 |
| Average equity | $32,311,330 | 2,137 |
| Average total loans | $263,375,000 | 1,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 772 |
| Cost of funding earning assets | 0.8897% | 1,038 |
| Net interest margin | 4.1892% | 1,221 |
| Noninterest income to average assets | 0.7175% | 2,497 |
| Noninterest expense to average assets | 2.8962% | 3,360 |
| Loan and lease loss provision to assets | 0.3570% | 909 |
| Net operating income to assets | 0.6753% | 3,812 |
| Return on assets (ROA) | 0.6699% | 4,003 |
| Pretax return on assets | 1.0531% | 3,132 |
| Return on Equity (ROE) | 6.9591% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.0160% | 4,476 |
| Net charge-offs to loans | 0.0881% | 2,957 |
| Credit loss provision to net charge-offs | 517.2414% | 512 |
| Earnings coverage of net charge-offs (x) | 20.5517% | 1,183 |
| Efficiency ratio | 67.1263% | 4,470 |
| Assets per employee ($millions) | 3.4478% | 5,094 |
| Cash dividends to net income (ytd only)* | 56.6607% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 3,330 |
| Loan loss allowance to noncurrent loans | 66.0692% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 4.2390% | 899 |
| Noncurrent loans to loans | 2.4471% | 2,105 |
| Net loans and leases to total assets | 77.0067% | 721 |
| Net loans and leases to deposits | 90.4837% | 921 |
| Net loans and leases to core deposits | 97.3423% | 1,123 |
| Total domestic deposits to total assets | 85.1056% | 3,988 |
| Equity capital to assets | 9.6026% | 4,705 |
| Core capital (leverage) ratio | 9.2176% | 4,539 |
| Tier 1 risk-based capital ratio | 10.9772% | 6,418 |
| Total risk-based capital ratio | 12.1227% | 6,428 |
| Memoranda: | ||
| Average total assets | $336,159,500 | 1,952 |
| Average earning assets | $288,647,000 | 2,093 |
| Average equity | $32,360,500 | 2,158 |
| Average total loans | $263,328,500 | 1,594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 1,164 |
| Cost of funding earning assets | 0.9702% | 1,524 |
| Net interest margin | 4.2044% | 1,648 |
| Noninterest income to average assets | 1.4693% | 723 |
| Noninterest expense to average assets | 3.0654% | 3,026 |
| Loan and lease loss provision to assets | 0.4196% | 1,520 |
| Net operating income to assets | 1.2144% | 1,555 |
| Return on assets (ROA) | 1.2144% | 1,718 |
| Pretax return on assets | 1.7934% | 929 |
| Return on Equity (ROE) | 11.0876% | 1,777 |
| Retained earnings to average equity (ytd only) | 4.2205% | 3,258 |
| Net charge-offs to loans | 0.2905% | 3,198 |
| Credit loss provision to net charge-offs | 171.1840% | 1,542 |
| Earnings coverage of net charge-offs (x) | 9.0285% | 2,315 |
| Efficiency ratio | 58.0750% | 5,818 |
| Assets per employee ($millions) | 2.8830% | 6,191 |
| Cash dividends to net income (ytd only)* | 61.9349% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,575 |
| Loan loss allowance to noncurrent loans | 65.0911% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 4.1856% | 1,008 |
| Noncurrent loans to loans | 2.3644% | 2,275 |
| Net loans and leases to total assets | 77.1906% | 771 |
| Net loans and leases to deposits | 95.3016% | 661 |
| Net loans and leases to core deposits | 101.4158% | 926 |
| Total domestic deposits to total assets | 80.9962% | 5,411 |
| Equity capital to assets | 9.6507% | 4,654 |
| Core capital (leverage) ratio | 9.4149% | 4,237 |
| Tier 1 risk-based capital ratio | 11.1688% | 6,283 |
| Total risk-based capital ratio | 12.3423% | 6,277 |
| Memoranda: | ||
| Average total assets | $285,994,800 | 2,230 |
| Average earning assets | $259,111,400 | 2,249 |
| Average equity | $31,323,200 | 2,181 |
| Average total loans | $241,275,000 | 1,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 1,073 |
| Cost of funding earning assets | 1.0045% | 1,527 |
| Net interest margin | 4.2596% | 1,578 |
| Noninterest income to average assets | 0.8957% | 1,842 |
| Noninterest expense to average assets | 2.9345% | 3,463 |
| Loan and lease loss provision to assets | 0.4381% | 1,442 |
| Net operating income to assets | 0.9425% | 2,781 |
| Return on assets (ROA) | 0.9425% | 3,007 |
| Pretax return on assets | 1.4536% | 2,062 |
| Return on Equity (ROE) | 8.3038% | 3,135 |
| Retained earnings to average equity (ytd only) | 2.3762% | 5,147 |
| Net charge-offs to loans | 0.2231% | 3,385 |
| Credit loss provision to net charge-offs | 227.8481% | 1,214 |
| Earnings coverage of net charge-offs (x) | 9.8380% | 2,264 |
| Efficiency ratio | 60.8029% | 5,355 |
| Assets per employee ($millions) | 3.0863% | 5,882 |
| Cash dividends to net income (ytd only)* | 71.3842% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,240 |
| Loan loss allowance to noncurrent loans | 140.4729% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 3,482 |
| Noncurrent loans to loans | 1.1914% | 4,071 |
| Net loans and leases to total assets | 83.5944% | 247 |
| Net loans and leases to deposits | 104.9709% | 261 |
| Net loans and leases to core deposits | 112.5672% | 479 |
| Total domestic deposits to total assets | 79.6358% | 5,745 |
| Equity capital to assets | 11.0908% | 3,164 |
| Core capital (leverage) ratio | 10.6515% | 2,756 |
| Tier 1 risk-based capital ratio | 12.6833% | 5,490 |
| Total risk-based capital ratio | 13.8443% | 5,531 |
| Memoranda: | ||
| Average total assets | $273,885,250 | 2,334 |
| Average earning assets | $252,725,250 | 2,322 |
| Average equity | $31,085,250 | 2,213 |
| Average total loans | $236,047,250 | 1,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 1,038 |
| Cost of funding earning assets | 1.0277% | 1,597 |
| Net interest margin | 4.2815% | 1,517 |
| Noninterest income to average assets | 0.8857% | 1,837 |
| Noninterest expense to average assets | 2.9660% | 3,389 |
| Loan and lease loss provision to assets | 0.4436% | 1,459 |
| Net operating income to assets | 0.9197% | 2,811 |
| Return on assets (ROA) | 0.9197% | 3,081 |
| Pretax return on assets | 1.4275% | 2,096 |
| Return on Equity (ROE) | 8.0388% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.7092% | 4,133 |
| Net charge-offs to loans | 0.1818% | 3,503 |
| Credit loss provision to net charge-offs | 281.6901% | 1,044 |
| Earnings coverage of net charge-offs (x) | 11.8826% | 1,930 |
| Efficiency ratio | 61.3174% | 5,364 |
| Assets per employee ($millions) | 3.0723% | 5,908 |
| Cash dividends to net income (ytd only)* | 53.8585% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,440 |
| Loan loss allowance to noncurrent loans | 137.0849% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,577 |
| Noncurrent loans to loans | 1.2002% | 4,150 |
| Net loans and leases to total assets | 83.8617% | 221 |
| Net loans and leases to deposits | 104.4007% | 272 |
| Net loans and leases to core deposits | 112.3827% | 498 |
| Total domestic deposits to total assets | 80.3268% | 5,656 |
| Equity capital to assets | 11.2342% | 2,858 |
| Core capital (leverage) ratio | 10.8825% | 2,408 |
| Tier 1 risk-based capital ratio | 12.9918% | 5,198 |
| Total risk-based capital ratio | 14.1686% | 5,217 |
| Memoranda: | ||
| Average total assets | $270,534,000 | 2,372 |
| Average earning assets | $249,681,330 | 2,356 |
| Average equity | $30,950,000 | 2,207 |
| Average total loans | $234,264,000 | 1,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 950 |
| Cost of funding earning assets | 1.0656% | 1,587 |
| Net interest margin | 4.3081% | 1,445 |
| Noninterest income to average assets | 0.8661% | 1,885 |
| Noninterest expense to average assets | 3.0736% | 3,007 |
| Loan and lease loss provision to assets | 0.4511% | 1,371 |
| Net operating income to assets | 0.9428% | 2,729 |
| Return on assets (ROA) | 0.9428% | 2,939 |
| Pretax return on assets | 1.3233% | 2,445 |
| Return on Equity (ROE) | 8.1639% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.2447% | 4,042 |
| Net charge-offs to loans | 0.0431% | 4,089 |
| Credit loss provision to net charge-offs | 1,200.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 47.2000% | 662 |
| Efficiency ratio | 63.3995% | 5,033 |
| Assets per employee ($millions) | 3.0043% | 6,146 |
| Cash dividends to net income (ytd only)* | 48.0064% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 3,616 |
| Loan loss allowance to noncurrent loans | 131.1081% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.4975% | 3,619 |
| Noncurrent loans to loans | 1.2415% | 4,262 |
| Net loans and leases to total assets | 86.1171% | 116 |
| Net loans and leases to deposits | 105.2010% | 229 |
| Net loans and leases to core deposits | 112.5847% | 455 |
| Total domestic deposits to total assets | 81.8596% | 5,343 |
| Equity capital to assets | 11.6734% | 2,283 |
| Core capital (leverage) ratio | 11.3058% | 2,032 |
| Tier 1 risk-based capital ratio | 13.5640% | 4,782 |
| Total risk-based capital ratio | 14.7485% | 4,814 |
| Memoranda: | ||
| Average total assets | $266,009,500 | 2,420 |
| Average earning assets | $245,863,000 | 2,402 |
| Average equity | $30,720,500 | 2,220 |
| Average total loans | $232,203,500 | 1,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 1,056 |
| Cost of funding earning assets | 1.1662% | 2,243 |
| Net interest margin | 4.3845% | 1,432 |
| Noninterest income to average assets | 0.7847% | 2,141 |
| Noninterest expense to average assets | 3.8536% | 1,253 |
| Loan and lease loss provision to assets | 0.5766% | 1,796 |
| Net operating income to assets | 0.1985% | 5,594 |
| Return on assets (ROA) | 0.1995% | 5,722 |
| Pretax return on assets | 0.3809% | 5,350 |
| Return on Equity (ROE) | 1.7600% | 5,745 |
| Retained earnings to average equity (ytd only) | -4.5608% | 6,415 |
| Net charge-offs to loans | 0.4979% | 3,002 |
| Credit loss provision to net charge-offs | 135.6007% | 2,213 |
| Earnings coverage of net charge-offs (x) | 2.2482% | 4,101 |
| Efficiency ratio | 80.1234% | 2,282 |
| Assets per employee ($millions) | 2.9081% | 6,274 |
| Cash dividends to net income (ytd only)* | 359.1337% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,857 |
| Loan loss allowance to noncurrent loans | 201.8846% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 4,373 |
| Noncurrent loans to loans | 0.7602% | 5,173 |
| Net loans and leases to total assets | 85.7025% | 139 |
| Net loans and leases to deposits | 104.8326% | 283 |
| Net loans and leases to core deposits | 113.8373% | 508 |
| Total domestic deposits to total assets | 81.7517% | 5,210 |
| Equity capital to assets | 11.4226% | 2,574 |
| Core capital (leverage) ratio | 10.8236% | 2,418 |
| Tier 1 risk-based capital ratio | 13.5571% | 4,656 |
| Total risk-based capital ratio | 14.7451% | 4,662 |
| Memoranda: | ||
| Average total assets | $266,217,600 | 2,368 |
| Average earning assets | $244,384,400 | 2,355 |
| Average equity | $30,170,200 | 2,182 |
| Average total loans | $227,368,600 | 1,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 1,135 |
| Cost of funding earning assets | 1.1808% | 2,443 |
| Net interest margin | 4.3720% | 1,484 |
| Noninterest income to average assets | 0.7611% | 2,253 |
| Noninterest expense to average assets | 3.3951% | 2,199 |
| Loan and lease loss provision to assets | 0.5801% | 1,696 |
| Net operating income to assets | 0.5313% | 4,400 |
| Return on assets (ROA) | 0.5326% | 4,583 |
| Pretax return on assets | 0.7966% | 4,141 |
| Return on Equity (ROE) | 4.7088% | 4,657 |
| Retained earnings to average equity (ytd only) | -2.2770% | 6,334 |
| Net charge-offs to loans | 0.5501% | 2,589 |
| Credit loss provision to net charge-offs | 124.0642% | 2,594 |
| Earnings coverage of net charge-offs (x) | 2.9401% | 3,677 |
| Efficiency ratio | 71.1784% | 3,705 |
| Assets per employee ($millions) | 2.7831% | 6,515 |
| Cash dividends to net income (ytd only)* | 148.3570% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,345 |
| Loan loss allowance to noncurrent loans | 169.7169% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 4,235 |
| Noncurrent loans to loans | 0.8525% | 5,163 |
| Net loans and leases to total assets | 85.5875% | 141 |
| Net loans and leases to deposits | 104.1345% | 316 |
| Net loans and leases to core deposits | 113.5514% | 564 |
| Total domestic deposits to total assets | 82.1894% | 5,016 |
| Equity capital to assets | 11.0934% | 3,054 |
| Core capital (leverage) ratio | 10.6014% | 2,759 |
| Tier 1 risk-based capital ratio | 11.2836% | 6,376 |
| Total risk-based capital ratio | 12.3237% | 6,480 |
| Memoranda: | ||
| Average total assets | $266,613,750 | 2,377 |
| Average earning assets | $244,456,000 | 2,360 |
| Average equity | $30,155,750 | 2,188 |
| Average total loans | $226,627,750 | 1,842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 1,172 |
| Cost of funding earning assets | 1.2076% | 2,529 |
| Net interest margin | 4.3444% | 1,526 |
| Noninterest income to average assets | 0.7116% | 2,487 |
| Noninterest expense to average assets | 3.1941% | 2,919 |
| Loan and lease loss provision to assets | 0.5330% | 1,830 |
| Net operating income to assets | 0.6361% | 3,881 |
| Return on assets (ROA) | 0.6366% | 4,003 |
| Pretax return on assets | 0.9631% | 3,382 |
| Return on Equity (ROE) | 5.5922% | 4,162 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,606 |
| Net charge-offs to loans | 0.2322% | 3,734 |
| Credit loss provision to net charge-offs | 272.0307% | 1,117 |
| Earnings coverage of net charge-offs (x) | 7.6322% | 2,193 |
| Efficiency ratio | 68.1127% | 4,493 |
| Assets per employee ($millions) | 2.6473% | 6,725 |
| Cash dividends to net income (ytd only)* | 27.1226% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,765 |
| Loan loss allowance to noncurrent loans | 206.8746% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 4,193 |
| Noncurrent loans to loans | 0.7653% | 5,379 |
| Net loans and leases to total assets | 84.0886% | 242 |
| Net loans and leases to deposits | 101.4455% | 429 |
| Net loans and leases to core deposits | 111.0332% | 689 |
| Total domestic deposits to total assets | 82.8904% | 4,805 |
| Equity capital to assets | 11.6085% | 2,406 |
| Core capital (leverage) ratio | 10.9514% | 2,297 |
| Tier 1 risk-based capital ratio | 12.7355% | 5,148 |
| Total risk-based capital ratio | 13.8465% | 5,226 |
| Memoranda: | ||
| Average total assets | $266,425,670 | 2,391 |
| Average earning assets | $243,946,000 | 2,379 |
| Average equity | $30,328,000 | 2,165 |
| Average total loans | $224,827,670 | 1,874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5060% | 1,279 |
| Cost of funding earning assets | 1.2647% | 2,393 |
| Net interest margin | 4.2413% | 1,782 |
| Noninterest income to average assets | 0.6420% | 2,890 |
| Noninterest expense to average assets | 3.0920% | 3,283 |
| Loan and lease loss provision to assets | 0.5388% | 1,607 |
| Net operating income to assets | 0.5931% | 4,066 |
| Return on assets (ROA) | 0.5941% | 4,132 |
| Pretax return on assets | 0.8875% | 3,550 |
| Return on Equity (ROE) | 5.2711% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.7442% | 3,926 |
| Net charge-offs to loans | 0.2766% | 2,962 |
| Credit loss provision to net charge-offs | 232.2581% | 1,321 |
| Earnings coverage of net charge-offs (x) | 6.1419% | 2,149 |
| Efficiency ratio | 68.4559% | 4,569 |
| Assets per employee ($millions) | 2.7093% | 6,680 |
| Cash dividends to net income (ytd only)* | 28.9673% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,264 |
| Loan loss allowance to noncurrent loans | 177.7837% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 4,396 |
| Noncurrent loans to loans | 0.8377% | 5,364 |
| Net loans and leases to total assets | 82.2892% | 325 |
| Net loans and leases to deposits | 99.8530% | 475 |
| Net loans and leases to core deposits | 109.5190% | 755 |
| Total domestic deposits to total assets | 82.4104% | 5,141 |
| Equity capital to assets | 11.3015% | 2,415 |
| Core capital (leverage) ratio | 10.7875% | 2,363 |
| Tier 1 risk-based capital ratio | 13.1059% | 4,745 |
| Total risk-based capital ratio | 14.2547% | 4,807 |
| Memoranda: | ||
| Average total assets | $267,274,500 | 2,408 |
| Average earning assets | $244,169,000 | 2,406 |
| Average equity | $30,126,500 | 2,167 |
| Average total loans | $224,148,000 | 1,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7433% | 1,427 |
| Cost of funding earning assets | 1.5487% | 2,357 |
| Net interest margin | 4.1946% | 2,209 |
| Noninterest income to average assets | 0.6977% | 2,855 |
| Noninterest expense to average assets | 3.2100% | 3,052 |
| Loan and lease loss provision to assets | 0.7013% | 2,336 |
| Net operating income to assets | 0.4291% | 4,412 |
| Return on assets (ROA) | 0.4299% | 4,557 |
| Pretax return on assets | 0.6208% | 4,257 |
| Return on Equity (ROE) | 3.9850% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.8199% | 3,875 |
| Net charge-offs to loans | 0.3946% | 4,062 |
| Credit loss provision to net charge-offs | 212.2381% | 1,440 |
| Earnings coverage of net charge-offs (x) | 3.9978% | 3,112 |
| Efficiency ratio | 70.8451% | 4,010 |
| Assets per employee ($millions) | 2.6902% | 6,705 |
| Cash dividends to net income (ytd only)* | 29.2373% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,525 |
| Loan loss allowance to noncurrent loans | 189.3591% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2665% | 4,498 |
| Noncurrent loans to loans | 0.7376% | 5,573 |
| Net loans and leases to total assets | 83.0217% | 383 |
| Net loans and leases to deposits | 102.6847% | 456 |
| Net loans and leases to core deposits | 112.3344% | 796 |
| Total domestic deposits to total assets | 80.8511% | 5,568 |
| Equity capital to assets | 11.2418% | 2,463 |
| Core capital (leverage) ratio | 10.7257% | 2,362 |
| Tier 1 risk-based capital ratio | 12.0887% | 5,397 |
| Total risk-based capital ratio | 13.1640% | 5,535 |
| Memoranda: | ||
| Average total assets | $274,487,400 | 2,326 |
| Average earning assets | $250,848,200 | 2,335 |
| Average equity | $29,611,200 | 2,199 |
| Average total loans | $229,872,600 | 1,897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 1,590 |
| Cost of funding earning assets | 1.5816% | 2,497 |
| Net interest margin | 4.1540% | 2,393 |
| Noninterest income to average assets | 0.6350% | 3,220 |
| Noninterest expense to average assets | 3.2025% | 2,921 |
| Loan and lease loss provision to assets | 0.6750% | 2,270 |
| Net operating income to assets | 0.3881% | 4,802 |
| Return on assets (ROA) | 0.3891% | 4,980 |
| Pretax return on assets | 0.5632% | 4,712 |
| Return on Equity (ROE) | 3.6438% | 4,939 |
| Retained earnings to average equity (ytd only) | 2.6053% | 4,595 |
| Net charge-offs to loans | 0.2779% | 4,278 |
| Credit loss provision to net charge-offs | 290.4564% | 1,103 |
| Earnings coverage of net charge-offs (x) | 5.3216% | 2,778 |
| Efficiency ratio | 72.1408% | 3,668 |
| Assets per employee ($millions) | 2.5923% | 6,954 |
| Cash dividends to net income (ytd only)* | 28.5008% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,881 |
| Loan loss allowance to noncurrent loans | 180.5837% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 5,021 |
| Noncurrent loans to loans | 0.7275% | 5,748 |
| Net loans and leases to total assets | 83.6807% | 352 |
| Net loans and leases to deposits | 105.0455% | 399 |
| Net loans and leases to core deposits | 115.0995% | 785 |
| Total domestic deposits to total assets | 79.6614% | 5,820 |
| Equity capital to assets | 10.9921% | 2,970 |
| Core capital (leverage) ratio | 10.4234% | 2,777 |
| Tier 1 risk-based capital ratio | 11.7462% | 5,691 |
| Total risk-based capital ratio | 12.8192% | 5,851 |
| Memoranda: | ||
| Average total assets | $276,527,250 | 2,342 |
| Average earning assets | $253,245,250 | 2,343 |
| Average equity | $29,529,000 | 2,233 |
| Average total loans | $231,280,250 | 1,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 1,728 |
| Cost of funding earning assets | 1.6014% | 2,646 |
| Net interest margin | 4.1072% | 2,527 |
| Noninterest income to average assets | 0.6770% | 2,835 |
| Noninterest expense to average assets | 3.3197% | 2,503 |
| Loan and lease loss provision to assets | 0.6296% | 2,276 |
| Net operating income to assets | 0.3539% | 4,957 |
| Return on assets (ROA) | 0.3554% | 5,108 |
| Pretax return on assets | 0.4943% | 4,917 |
| Return on Equity (ROE) | 3.3607% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.5783% | 4,504 |
| Net charge-offs to loans | 0.2670% | 4,006 |
| Credit loss provision to net charge-offs | 283.1715% | 1,311 |
| Earnings coverage of net charge-offs (x) | 5.0453% | 2,765 |
| Efficiency ratio | 74.7449% | 3,318 |
| Assets per employee ($millions) | 2.5701% | 7,001 |
| Cash dividends to net income (ytd only)* | 23.2794% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,641 |
| Loan loss allowance to noncurrent loans | 123.0487% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 4,071 |
| Noncurrent loans to loans | 0.9448% | 5,412 |
| Net loans and leases to total assets | 82.8498% | 450 |
| Net loans and leases to deposits | 102.6833% | 556 |
| Net loans and leases to core deposits | 113.6562% | 932 |
| Total domestic deposits to total assets | 80.6847% | 5,513 |
| Equity capital to assets | 10.7525% | 3,123 |
| Core capital (leverage) ratio | 10.2411% | 2,895 |
| Tier 1 risk-based capital ratio | 11.9844% | 5,328 |
| Total risk-based capital ratio | 13.1019% | 5,411 |
| Memoranda: | ||
| Average total assets | $277,974,000 | 2,347 |
| Average earning assets | $254,774,670 | 2,352 |
| Average equity | $29,399,000 | 2,230 |
| Average total loans | $231,440,330 | 1,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6169% | 2,087 |
| Cost of funding earning assets | 1.6294% | 2,779 |
| Net interest margin | 3.9875% | 2,930 |
| Noninterest income to average assets | 0.6527% | 2,917 |
| Noninterest expense to average assets | 3.1647% | 2,995 |
| Loan and lease loss provision to assets | 0.5010% | 2,491 |
| Net operating income to assets | 0.4580% | 4,584 |
| Return on assets (ROA) | 0.4580% | 4,706 |
| Pretax return on assets | 0.6684% | 4,343 |
| Return on Equity (ROE) | 4.3666% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.5888% | 4,003 |
| Net charge-offs to loans | 0.3433% | 3,039 |
| Credit loss provision to net charge-offs | 175.8794% | 2,072 |
| Earnings coverage of net charge-offs (x) | 4.1055% | 2,706 |
| Efficiency ratio | 73.0185% | 3,757 |
| Assets per employee ($millions) | 2.5611% | 7,114 |
| Cash dividends to net income (ytd only)* | 17.8125% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,565 |
| Loan loss allowance to noncurrent loans | 136.1996% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,536 |
| Noncurrent loans to loans | 0.7186% | 5,890 |
| Net loans and leases to total assets | 82.8466% | 486 |
| Net loans and leases to deposits | 102.1649% | 639 |
| Net loans and leases to core deposits | 114.2848% | 1,029 |
| Total domestic deposits to total assets | 81.0910% | 5,429 |
| Equity capital to assets | 10.6466% | 3,094 |
| Core capital (leverage) ratio | 10.1553% | 2,977 |
| Tier 1 risk-based capital ratio | 12.9991% | 4,335 |
| Total risk-based capital ratio | 14.0339% | 4,465 |
| Memoranda: | ||
| Average total assets | $279,458,500 | 2,396 |
| Average earning assets | $258,008,500 | 2,370 |
| Average equity | $29,313,500 | 2,262 |
| Average total loans | $231,900,000 | 1,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8440% | 2,467 |
| Cost of funding earning assets | 1.8391% | 3,788 |
| Net interest margin | 4.0049% | 2,839 |
| Noninterest income to average assets | 0.7260% | 2,810 |
| Noninterest expense to average assets | 3.2474% | 3,199 |
| Loan and lease loss provision to assets | 0.8560% | 2,597 |
| Net operating income to assets | 0.2532% | 4,709 |
| Return on assets (ROA) | 0.2535% | 4,794 |
| Pretax return on assets | 0.3368% | 4,671 |
| Return on Equity (ROE) | 2.5027% | 4,703 |
| Retained earnings to average equity (ytd only) | 1.8073% | 3,827 |
| Net charge-offs to loans | 1.0088% | 2,395 |
| Credit loss provision to net charge-offs | 102.3770% | 5,399 |
| Earnings coverage of net charge-offs (x) | 1.4262% | 4,698 |
| Efficiency ratio | 73.1407% | 4,067 |
| Assets per employee ($millions) | 2.5665% | 7,096 |
| Cash dividends to net income (ytd only)* | 27.7854% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 6,772 |
| Loan loss allowance to noncurrent loans | 160.3945% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 4,949 |
| Noncurrent loans to loans | 0.5672% | 6,109 |
| Net loans and leases to total assets | 81.5634% | 757 |
| Net loans and leases to deposits | 98.5432% | 1,050 |
| Net loans and leases to core deposits | 127.2894% | 1,428 |
| Total domestic deposits to total assets | 82.7691% | 4,633 |
| Equity capital to assets | 10.3353% | 3,361 |
| Core capital (leverage) ratio | 9.9033% | 3,190 |
| Tier 1 risk-based capital ratio | 12.7664% | 4,311 |
| Total risk-based capital ratio | 13.7238% | 4,491 |
| Memoranda: | ||
| Average total assets | $286,782,400 | 2,295 |
| Average earning assets | $265,950,200 | 2,276 |
| Average equity | $29,049,200 | 2,296 |
| Average total loans | $237,698,200 | 1,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 2,642 |
| Cost of funding earning assets | 1.8727% | 4,033 |
| Net interest margin | 3.9836% | 2,883 |
| Noninterest income to average assets | 0.7262% | 2,843 |
| Noninterest expense to average assets | 3.1964% | 3,310 |
| Loan and lease loss provision to assets | 0.7665% | 2,456 |
| Net operating income to assets | 0.3336% | 4,664 |
| Return on assets (ROA) | 0.3339% | 4,760 |
| Pretax return on assets | 0.4599% | 4,645 |
| Return on Equity (ROE) | 3.3129% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.3129% | 3,458 |
| Net charge-offs to loans | 0.4440% | 3,461 |
| Credit loss provision to net charge-offs | 207.9146% | 2,126 |
| Earnings coverage of net charge-offs (x) | 3.3254% | 3,573 |
| Efficiency ratio | 72.2798% | 4,196 |
| Assets per employee ($millions) | 2.6668% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,885 |
| Loan loss allowance to noncurrent loans | 61.3378% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.1277% | 3,192 |
| Noncurrent loans to loans | 2.0266% | 3,604 |
| Net loans and leases to total assets | 80.4351% | 1,101 |
| Net loans and leases to deposits | 102.0214% | 919 |
| Net loans and leases to core deposits | 133.1154% | 1,261 |
| Total domestic deposits to total assets | 78.8414% | 5,856 |
| Equity capital to assets | 10.2277% | 3,811 |
| Core capital (leverage) ratio | 9.9386% | 3,357 |
| Tier 1 risk-based capital ratio | 12.7149% | 4,381 |
| Total risk-based capital ratio | 13.9408% | 4,353 |
| Memoranda: | ||
| Average total assets | $287,899,750 | 2,308 |
| Average earning assets | $267,124,000 | 2,272 |
| Average equity | $29,017,000 | 2,321 |
| Average total loans | $239,028,250 | 1,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 2,691 |
| Cost of funding earning assets | 1.8885% | 4,325 |
| Net interest margin | 3.9878% | 2,754 |
| Noninterest income to average assets | 0.7636% | 2,630 |
| Noninterest expense to average assets | 3.2689% | 3,089 |
| Loan and lease loss provision to assets | 0.7330% | 2,235 |
| Net operating income to assets | 0.3418% | 4,716 |
| Return on assets (ROA) | 0.3418% | 4,827 |
| Pretax return on assets | 0.4676% | 4,727 |
| Return on Equity (ROE) | 3.4083% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.4083% | 3,424 |
| Net charge-offs to loans | 0.3958% | 3,216 |
| Credit loss provision to net charge-offs | 221.6387% | 2,071 |
| Earnings coverage of net charge-offs (x) | 3.6303% | 3,367 |
| Efficiency ratio | 73.1385% | 4,168 |
| Assets per employee ($millions) | 2.5137% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 5,549 |
| Loan loss allowance to noncurrent loans | 60.7653% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 3,321 |
| Noncurrent loans to loans | 1.8223% | 3,780 |
| Net loans and leases to total assets | 82.8806% | 803 |
| Net loans and leases to deposits | 101.8394% | 1,082 |
| Net loans and leases to core deposits | 132.9803% | 1,373 |
| Total domestic deposits to total assets | 81.3836% | 4,929 |
| Equity capital to assets | 10.2568% | 3,660 |
| Core capital (leverage) ratio | 9.6715% | 3,672 |
| Tier 1 risk-based capital ratio | 11.5908% | 5,295 |
| Total risk-based capital ratio | 12.6759% | 5,376 |
| Memoranda: | ||
| Average total assets | $287,862,670 | 2,338 |
| Average earning assets | $267,517,330 | 2,292 |
| Average equity | $28,870,330 | 2,344 |
| Average total loans | $240,511,670 | 2,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8571% | 3,005 |
| Cost of funding earning assets | 1.9127% | 4,565 |
| Net interest margin | 3.9443% | 2,871 |
| Noninterest income to average assets | 0.7081% | 2,840 |
| Noninterest expense to average assets | 3.1998% | 2,987 |
| Loan and lease loss provision to assets | 0.8697% | 1,509 |
| Net operating income to assets | 0.2430% | 5,512 |
| Return on assets (ROA) | 0.2430% | 5,678 |
| Pretax return on assets | 0.3051% | 5,670 |
| Return on Equity (ROE) | 2.4497% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.4497% | 4,513 |
| Net charge-offs to loans | 0.4335% | 2,377 |
| Credit loss provision to net charge-offs | 240.4580% | 1,935 |
| Earnings coverage of net charge-offs (x) | 3.2481% | 3,232 |
| Efficiency ratio | 73.1461% | 3,981 |
| Assets per employee ($millions) | 2.5903% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,117 |
| Loan loss allowance to noncurrent loans | 59.0024% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7982% | 3,217 |
| Noncurrent loans to loans | 1.7097% | 3,696 |
| Net loans and leases to total assets | 82.0269% | 1,017 |
| Net loans and leases to deposits | 99.2402% | 1,504 |
| Net loans and leases to core deposits | 132.2761% | 1,516 |
| Total domestic deposits to total assets | 82.6549% | 4,309 |
| Equity capital to assets | 9.9419% | 4,063 |
| Core capital (leverage) ratio | 9.4956% | 3,994 |
| Tier 1 risk-based capital ratio | 10.2502% | 6,647 |
| Total risk-based capital ratio | 11.1430% | 6,935 |
| Memoranda: | ||
| Average total assets | $289,771,000 | 2,337 |
| Average earning assets | $269,350,500 | 2,298 |
| Average equity | $28,738,500 | 2,367 |
| Average total loans | $241,740,000 | 2,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6304% | 2,338 |
| Cost of funding earning assets | 2.4333% | 4,556 |
| Net interest margin | 4.1971% | 2,321 |
| Noninterest income to average assets | 0.7732% | 2,650 |
| Noninterest expense to average assets | 3.3953% | 2,694 |
| Loan and lease loss provision to assets | 0.2196% | 4,690 |
| Net operating income to assets | 0.7234% | 3,788 |
| Return on assets (ROA) | 0.7459% | 3,530 |
| Pretax return on assets | 1.0796% | 3,102 |
| Return on Equity (ROE) | 7.5445% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.9652% | 2,049 |
| Net charge-offs to loans | 0.3797% | 2,936 |
| Credit loss provision to net charge-offs | 70.1357% | 6,070 |
| Earnings coverage of net charge-offs (x) | 4.0452% | 4,130 |
| Efficiency ratio | 72.8309% | 3,787 |
| Assets per employee ($millions) | 2.4950% | 7,209 |
| Cash dividends to net income (ytd only)* | 34.1880% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,915 |
| Loan loss allowance to noncurrent loans | 48.7788% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7656% | 2,768 |
| Noncurrent loans to loans | 1.7348% | 3,165 |
| Net loans and leases to total assets | 83.2768% | 999 |
| Net loans and leases to deposits | 112.1204% | 699 |
| Net loans and leases to core deposits | 141.3365% | 1,193 |
| Total domestic deposits to total assets | 74.2745% | 6,609 |
| Equity capital to assets | 9.8934% | 4,165 |
| Core capital (leverage) ratio | 9.6037% | 3,873 |
| Tier 1 risk-based capital ratio | 12.2077% | 4,660 |
| Total risk-based capital ratio | 13.1153% | 4,827 |
| Memoranda: | ||
| Average total assets | $282,330,800 | 2,303 |
| Average earning assets | $261,584,000 | 2,277 |
| Average equity | $27,914,400 | 2,417 |
| Average total loans | $232,815,600 | 2,029 |