Home > Sunrise Banks > Performance and Condition Ratios
Sunrise Banks, 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 | 5.0412% | 1,995 |
| Cost of funding earning assets | 0.2870% | 4,385 |
| Net interest margin | 4.7543% | 443 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 5.0373% | 226 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.6613% | 3,290 |
| Return on assets (ROA) | 0.6611% | 3,270 |
| Pretax return on assets | 0.9391% | 2,848 |
| Return on Equity (ROE) | 7.2300% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.2345% | 1,816 |
| Net charge-offs to loans | 0.2376% | 452 |
| Credit loss provision to net charge-offs | 117.9039% | 1,696 |
| Earnings coverage of net charge-offs (x) | 7.6023% | 2,390 |
| Efficiency ratio | 81.9677% | 778 |
| Assets per employee ($millions) | 7.0922% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,437 |
| Loan loss allowance to noncurrent loans | 294.4501% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,743 |
| Noncurrent loans to loans | 0.4704% | 1,606 |
| Net loans and leases to total assets | 62.0600% | 2,668 |
| Net loans and leases to deposits | 68.5978% | 2,983 |
| Net loans and leases to core deposits | 69.1026% | 3,352 |
| Total domestic deposits to total assets | 90.4700% | 635 |
| Equity capital to assets | 9.2051% | 2,539 |
| Core capital (leverage) ratio | 10.8245% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,200,943,800 | 516 |
| Average earning assets | $2,091,643,600 | 500 |
| Average equity | $201,134,400 | 535 |
| Average total loans | $1,349,241,200 | 565 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 1,823 |
| Cost of funding earning assets | 0.2211% | 4,423 |
| Net interest margin | 4.7795% | 422 |
| Noninterest income to average assets | 1.8000% | 323 |
| Noninterest expense to average assets | 5.2426% | 214 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.6406% | 3,453 |
| Return on assets (ROA) | 0.6403% | 3,445 |
| Pretax return on assets | 0.9042% | 3,094 |
| Return on Equity (ROE) | 7.0200% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.0203% | 2,279 |
| Net charge-offs to loans | 0.2700% | 322 |
| Credit loss provision to net charge-offs | 116.2556% | 1,507 |
| Earnings coverage of net charge-offs (x) | 6.6928% | 2,271 |
| Efficiency ratio | 82.6498% | 690 |
| Assets per employee ($millions) | 6.8200% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,343 |
| Loan loss allowance to noncurrent loans | 386.0577% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,057 |
| Noncurrent loans to loans | 0.3697% | 1,910 |
| Net loans and leases to total assets | 61.7900% | 2,676 |
| Net loans and leases to deposits | 67.6504% | 3,004 |
| Net loans and leases to core deposits | 68.0909% | 3,315 |
| Total domestic deposits to total assets | 91.3400% | 594 |
| Equity capital to assets | 8.3489% | 2,826 |
| Core capital (leverage) ratio | 10.8354% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,171,390,000 | 529 |
| Average earning assets | $2,062,107,250 | 504 |
| Average equity | $198,048,000 | 539 |
| Average total loans | $1,321,680,250 | 574 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 1,638 |
| Cost of funding earning assets | 0.1683% | 4,459 |
| Net interest margin | 4.7870% | 410 |
| Noninterest income to average assets | 2.1200% | 228 |
| Noninterest expense to average assets | 5.4834% | 191 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.6805% | 3,381 |
| Return on assets (ROA) | 0.6805% | 3,384 |
| Pretax return on assets | 0.9589% | 3,021 |
| Return on Equity (ROE) | 7.2500% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.2473% | 2,209 |
| Net charge-offs to loans | 0.2120% | 381 |
| Credit loss provision to net charge-offs | 173.3042% | 1,112 |
| Earnings coverage of net charge-offs (x) | 9.2422% | 2,029 |
| Efficiency ratio | 82.2792% | 692 |
| Assets per employee ($millions) | 6.8356% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,089 |
| Loan loss allowance to noncurrent loans | 276.6314% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 1,553 |
| Noncurrent loans to loans | 0.5532% | 1,350 |
| Net loans and leases to total assets | 60.7300% | 2,701 |
| Net loans and leases to deposits | 67.1220% | 2,982 |
| Net loans and leases to core deposits | 67.5157% | 3,261 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 9.1236% | 2,428 |
| Core capital (leverage) ratio | 11.0635% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,147,261,667 | 522 |
| Average earning assets | $2,040,231,000 | 502 |
| Average equity | $201,620,667 | 522 |
| Average total loans | $1,293,373,000 | 572 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 1,450 |
| Cost of funding earning assets | 0.1361% | 4,483 |
| Net interest margin | 4.7441% | 412 |
| Noninterest income to average assets | 2.4900% | 191 |
| Noninterest expense to average assets | 5.9052% | 185 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.5841% | 3,722 |
| Return on assets (ROA) | 0.5841% | 3,689 |
| Pretax return on assets | 0.8298% | 3,397 |
| Return on Equity (ROE) | 6.1300% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.1309% | 2,727 |
| Net charge-offs to loans | 0.1963% | 370 |
| Credit loss provision to net charge-offs | 228.9855% | 776 |
| Earnings coverage of net charge-offs (x) | 9.3961% | 1,690 |
| Efficiency ratio | 84.3202% | 580 |
| Assets per employee ($millions) | 6.7352% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,065 |
| Loan loss allowance to noncurrent loans | 154.3882% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 824 |
| Noncurrent loans to loans | 1.0191% | 714 |
| Net loans and leases to total assets | 59.3300% | 2,734 |
| Net loans and leases to deposits | 66.0130% | 2,933 |
| Net loans and leases to core deposits | 66.3463% | 3,200 |
| Total domestic deposits to total assets | 89.8800% | 1,200 |
| Equity capital to assets | 9.5632% | 2,093 |
| Core capital (leverage) ratio | 11.5361% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,127,197,000 | 538 |
| Average earning assets | $2,021,972,500 | 516 |
| Average equity | $202,647,000 | 531 |
| Average total loans | $1,265,540,500 | 594 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 1,229 |
| Cost of funding earning assets | 0.0639% | 4,526 |
| Net interest margin | 4.1428% | 615 |
| Noninterest income to average assets | 2.6200% | 192 |
| Noninterest expense to average assets | 5.0130% | 216 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.5020% | 873 |
| Return on assets (ROA) | 1.5020% | 840 |
| Pretax return on assets | 1.2750% | 2,184 |
| Return on Equity (ROE) | 17.4300% | 790 |
| Retained earnings to average equity (ytd only) | 16.2942% | 208 |
| Net charge-offs to loans | 0.2026% | 410 |
| Credit loss provision to net charge-offs | 186.1051% | 1,166 |
| Earnings coverage of net charge-offs (x) | 12.2023% | 2,120 |
| Efficiency ratio | 76.9043% | 928 |
| Assets per employee ($millions) | 6.5804% | 2,272 |
| Cash dividends to net income (ytd only)* | 6.5051% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,694 |
| Loan loss allowance to noncurrent loans | 243.8602% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 1,558 |
| Noncurrent loans to loans | 0.5526% | 1,340 |
| Net loans and leases to total assets | 57.9000% | 2,830 |
| Net loans and leases to deposits | 64.4414% | 3,004 |
| Net loans and leases to core deposits | 64.8231% | 3,219 |
| Total domestic deposits to total assets | 89.8400% | 1,436 |
| Equity capital to assets | 9.4888% | 2,020 |
| Core capital (leverage) ratio | 12.0150% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,867,859,400 | 593 |
| Average earning assets | $1,756,645,200 | 575 |
| Average equity | $160,977,600 | 641 |
| Average total loans | $1,136,597,400 | 609 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 1,385 |
| Cost of funding earning assets | 0.0529% | 4,567 |
| Net interest margin | 3.8866% | 823 |
| Noninterest income to average assets | 3.0000% | 184 |
| Noninterest expense to average assets | 5.3743% | 198 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9875% | 2,520 |
| Return on assets (ROA) | 0.9875% | 2,494 |
| Pretax return on assets | 1.1074% | 2,697 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.1970% | 1,286 |
| Net charge-offs to loans | 0.2021% | 328 |
| Credit loss provision to net charge-offs | 131.4760% | 1,175 |
| Earnings coverage of net charge-offs (x) | 10.2264% | 1,995 |
| Efficiency ratio | 80.8638% | 721 |
| Assets per employee ($millions) | 6.4166% | 2,394 |
| Cash dividends to net income (ytd only)* | 13.6133% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 1,882 |
| Loan loss allowance to noncurrent loans | 413.9344% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,352 |
| Noncurrent loans to loans | 0.3216% | 2,085 |
| Net loans and leases to total assets | 57.3700% | 2,765 |
| Net loans and leases to deposits | 63.8334% | 2,879 |
| Net loans and leases to core deposits | 64.3466% | 3,085 |
| Total domestic deposits to total assets | 89.8800% | 1,716 |
| Equity capital to assets | 9.4716% | 1,901 |
| Core capital (leverage) ratio | 11.5377% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,810,038,750 | 606 |
| Average earning assets | $1,698,347,750 | 593 |
| Average equity | $151,426,250 | 682 |
| Average total loans | $1,112,765,500 | 616 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 1,773 |
| Cost of funding earning assets | 0.0454% | 4,618 |
| Net interest margin | 3.5755% | 1,117 |
| Noninterest income to average assets | 3.2484% | 140 |
| Noninterest expense to average assets | 5.5561% | 145 |
| Loan and lease loss provision to assets | 0.1381% | 696 |
| Net operating income to assets | 0.9081% | 2,550 |
| Return on assets (ROA) | 0.9081% | 2,520 |
| Pretax return on assets | 0.9023% | 3,057 |
| Return on Equity (ROE) | 11.4136% | 1,862 |
| Retained earnings to average equity (ytd only) | 8.8086% | 1,343 |
| Net charge-offs to loans | 0.2831% | 244 |
| Credit loss provision to net charge-offs | 77.7991% | 1,392 |
| Earnings coverage of net charge-offs (x) | 5.8612% | 1,917 |
| Efficiency ratio | 84.2157% | 672 |
| Assets per employee ($millions) | 6.3577% | 2,431 |
| Cash dividends to net income (ytd only)* | 22.8239% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,253 |
| Loan loss allowance to noncurrent loans | 329.3792% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,189 |
| Noncurrent loans to loans | 0.3904% | 1,965 |
| Net loans and leases to total assets | 57.0662% | 2,633 |
| Net loans and leases to deposits | 64.5600% | 2,672 |
| Net loans and leases to core deposits | 65.0313% | 2,895 |
| Total domestic deposits to total assets | 88.3925% | 2,425 |
| Equity capital to assets | 10.3343% | 1,517 |
| Core capital (leverage) ratio | 13.1737% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2644% | 464 |
| Memoranda: | ||
| Average total assets | $1,761,031,667 | 616 |
| Average earning assets | $1,649,017,333 | 608 |
| Average equity | $140,113,333 | 718 |
| Average total loans | $1,104,377,333 | 605 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 1,474 |
| Cost of funding earning assets | 0.0494% | 4,608 |
| Net interest margin | 3.5628% | 957 |
| Noninterest income to average assets | 3.1683% | 153 |
| Noninterest expense to average assets | 5.4893% | 151 |
| Loan and lease loss provision to assets | 0.1472% | 539 |
| Net operating income to assets | 0.8495% | 2,487 |
| Return on assets (ROA) | 0.8495% | 2,477 |
| Pretax return on assets | 0.8568% | 2,919 |
| Return on Equity (ROE) | 12.8732% | 1,069 |
| Retained earnings to average equity (ytd only) | 10.1695% | 983 |
| Net charge-offs to loans | 0.0675% | 655 |
| Credit loss provision to net charge-offs | 332.7957% | 635 |
| Earnings coverage of net charge-offs (x) | 22.6935% | 1,237 |
| Efficiency ratio | 84.5258% | 812 |
| Assets per employee ($millions) | 5.5293% | 3,292 |
| Cash dividends to net income (ytd only)* | 21.0025% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,021 |
| Loan loss allowance to noncurrent loans | 328.8617% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,996 |
| Noncurrent loans to loans | 0.4172% | 1,997 |
| Net loans and leases to total assets | 66.7865% | 1,331 |
| Net loans and leases to deposits | 73.1495% | 1,681 |
| Net loans and leases to core deposits | 73.7495% | 1,962 |
| Total domestic deposits to total assets | 91.3014% | 886 |
| Equity capital to assets | 6.3797% | 4,475 |
| Core capital (leverage) ratio | 7.5417% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9791% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,681,533,000 | 646 |
| Average earning assets | $1,569,306,500 | 636 |
| Average equity | $110,959,000 | 923 |
| Average total loans | $1,101,586,500 | 606 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 2,118 |
| Cost of funding earning assets | 0.0786% | 4,538 |
| Net interest margin | 3.6192% | 1,412 |
| Noninterest income to average assets | 2.9663% | 185 |
| Noninterest expense to average assets | 5.0607% | 177 |
| Loan and lease loss provision to assets | 0.1825% | 626 |
| Net operating income to assets | 1.0865% | 2,348 |
| Return on assets (ROA) | 1.0922% | 2,396 |
| Pretax return on assets | 1.1007% | 2,968 |
| Return on Equity (ROE) | 16.0502% | 756 |
| Retained earnings to average equity (ytd only) | 0.1470% | 4,449 |
| Net charge-offs to loans | 0.0705% | 1,087 |
| Credit loss provision to net charge-offs | 389.2095% | 921 |
| Earnings coverage of net charge-offs (x) | 27.2459% | 1,683 |
| Efficiency ratio | 79.8314% | 815 |
| Assets per employee ($millions) | 6.2250% | 2,552 |
| Cash dividends to net income (ytd only)* | 99.0843% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,263 |
| Loan loss allowance to noncurrent loans | 436.2578% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 2,601 |
| Noncurrent loans to loans | 0.3029% | 2,504 |
| Net loans and leases to total assets | 62.6229% | 1,867 |
| Net loans and leases to deposits | 71.1652% | 1,999 |
| Net loans and leases to core deposits | 71.7006% | 2,287 |
| Total domestic deposits to total assets | 87.9965% | 2,051 |
| Equity capital to assets | 6.8023% | 4,749 |
| Core capital (leverage) ratio | 7.5561% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9437% | 2,266 |
| Memoranda: | ||
| Average total assets | $1,699,814,600 | 617 |
| Average earning assets | $1,583,639,200 | 604 |
| Average equity | $115,668,400 | 903 |
| Average total loans | $1,129,933,000 | 588 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 2,242 |
| Cost of funding earning assets | 0.0843% | 4,614 |
| Net interest margin | 3.6288% | 1,530 |
| Noninterest income to average assets | 2.5365% | 242 |
| Noninterest expense to average assets | 4.5842% | 209 |
| Loan and lease loss provision to assets | 0.1664% | 653 |
| Net operating income to assets | 1.1530% | 2,352 |
| Return on assets (ROA) | 1.1606% | 2,386 |
| Pretax return on assets | 1.1696% | 3,021 |
| Return on Equity (ROE) | 17.0536% | 754 |
| Retained earnings to average equity (ytd only) | -1.6680% | 4,691 |
| Net charge-offs to loans | 0.0622% | 1,014 |
| Credit loss provision to net charge-offs | 397.7358% | 857 |
| Earnings coverage of net charge-offs (x) | 31.7491% | 1,495 |
| Efficiency ratio | 77.5194% | 916 |
| Assets per employee ($millions) | 6.6760% | 2,118 |
| Cash dividends to net income (ytd only)* | 109.7810% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,698 |
| Loan loss allowance to noncurrent loans | 318.6969% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 2,181 |
| Noncurrent loans to loans | 0.3944% | 2,383 |
| Net loans and leases to total assets | 57.9683% | 2,500 |
| Net loans and leases to deposits | 67.4765% | 2,486 |
| Net loans and leases to core deposits | 67.9149% | 2,783 |
| Total domestic deposits to total assets | 85.9088% | 2,784 |
| Equity capital to assets | 6.2979% | 4,875 |
| Core capital (leverage) ratio | 7.8020% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6793% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,689,020,000 | 622 |
| Average earning assets | $1,571,410,250 | 616 |
| Average equity | $114,944,750 | 916 |
| Average total loans | $1,135,883,500 | 598 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 2,084 |
| Cost of funding earning assets | 0.0890% | 4,647 |
| Net interest margin | 3.7055% | 1,339 |
| Noninterest income to average assets | 2.9899% | 186 |
| Noninterest expense to average assets | 5.1222% | 170 |
| Loan and lease loss provision to assets | 0.0894% | 1,388 |
| Net operating income to assets | 1.2084% | 2,160 |
| Return on assets (ROA) | 1.2202% | 2,187 |
| Pretax return on assets | 1.2304% | 2,827 |
| Return on Equity (ROE) | 17.4279% | 729 |
| Retained earnings to average equity (ytd only) | -1.0586% | 4,607 |
| Net charge-offs to loans | 0.0546% | 1,076 |
| Credit loss provision to net charge-offs | 231.9489% | 987 |
| Earnings coverage of net charge-offs (x) | 33.9393% | 1,246 |
| Efficiency ratio | 79.6469% | 810 |
| Assets per employee ($millions) | 6.1849% | 2,441 |
| Cash dividends to net income (ytd only)* | 106.0741% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,401 |
| Loan loss allowance to noncurrent loans | 464.9982% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,624 |
| Noncurrent loans to loans | 0.2371% | 3,098 |
| Net loans and leases to total assets | 68.3732% | 1,399 |
| Net loans and leases to deposits | 85.7159% | 937 |
| Net loans and leases to core deposits | 117.1556% | 250 |
| Total domestic deposits to total assets | 79.7672% | 4,260 |
| Equity capital to assets | 6.9618% | 4,852 |
| Core capital (leverage) ratio | 8.0898% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5926% | 2,125 |
| Memoranda: | ||
| Average total assets | $1,624,482,667 | 635 |
| Average earning assets | $1,508,197,000 | 629 |
| Average equity | $113,737,333 | 915 |
| Average total loans | $1,146,104,333 | 596 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 2,075 |
| Cost of funding earning assets | 0.0885% | 4,708 |
| Net interest margin | 3.7220% | 1,287 |
| Noninterest income to average assets | 2.3789% | 286 |
| Noninterest expense to average assets | 4.4673% | 212 |
| Loan and lease loss provision to assets | 0.0579% | 1,961 |
| Net operating income to assets | 1.2958% | 1,841 |
| Return on assets (ROA) | 1.2958% | 1,914 |
| Pretax return on assets | 1.3088% | 2,549 |
| Return on Equity (ROE) | 18.4534% | 670 |
| Retained earnings to average equity (ytd only) | 2.8059% | 3,838 |
| Net charge-offs to loans | 0.0606% | 920 |
| Credit loss provision to net charge-offs | 134.1040% | 1,013 |
| Earnings coverage of net charge-offs (x) | 31.6358% | 1,075 |
| Efficiency ratio | 76.5559% | 1,081 |
| Assets per employee ($millions) | 6.1999% | 2,409 |
| Cash dividends to net income (ytd only)* | 84.7948% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,587 |
| Loan loss allowance to noncurrent loans | 429.4689% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,772 |
| Noncurrent loans to loans | 0.2485% | 3,209 |
| Net loans and leases to total assets | 70.3465% | 1,244 |
| Net loans and leases to deposits | 89.2895% | 744 |
| Net loans and leases to core deposits | 130.0690% | 140 |
| Total domestic deposits to total assets | 78.7847% | 4,356 |
| Equity capital to assets | 6.8756% | 4,867 |
| Core capital (leverage) ratio | 8.1155% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4706% | 2,098 |
| Memoranda: | ||
| Average total assets | $1,601,762,500 | 638 |
| Average earning assets | $1,486,926,500 | 633 |
| Average equity | $112,478,000 | 914 |
| Average total loans | $1,141,903,500 | 599 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,349 |
| Cost of funding earning assets | 0.0792% | 4,914 |
| Net interest margin | 4.0470% | 884 |
| Noninterest income to average assets | 2.7785% | 217 |
| Noninterest expense to average assets | 5.2398% | 174 |
| Loan and lease loss provision to assets | 0.1785% | 2,165 |
| Net operating income to assets | 1.1179% | 1,846 |
| Return on assets (ROA) | 1.1718% | 1,758 |
| Pretax return on assets | 1.1729% | 2,430 |
| Return on Equity (ROE) | 14.5020% | 717 |
| Retained earnings to average equity (ytd only) | 5.5744% | 2,012 |
| Net charge-offs to loans | 0.0813% | 1,663 |
| Credit loss provision to net charge-offs | 300.4950% | 1,726 |
| Earnings coverage of net charge-offs (x) | 21.8403% | 1,877 |
| Efficiency ratio | 80.1363% | 884 |
| Assets per employee ($millions) | 6.0037% | 2,332 |
| Cash dividends to net income (ytd only)* | 61.5611% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,487 |
| Loan loss allowance to noncurrent loans | 245.4455% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 2,636 |
| Noncurrent loans to loans | 0.4462% | 2,634 |
| Net loans and leases to total assets | 70.6995% | 1,469 |
| Net loans and leases to deposits | 89.5965% | 955 |
| Net loans and leases to core deposits | 138.9656% | 125 |
| Total domestic deposits to total assets | 78.9087% | 4,212 |
| Equity capital to assets | 7.1740% | 4,895 |
| Core capital (leverage) ratio | 8.5750% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1075% | 2,197 |
| Memoranda: | ||
| Average total assets | $1,360,041,600 | 675 |
| Average earning assets | $1,263,209,400 | 667 |
| Average equity | $109,895,400 | 887 |
| Average total loans | $993,246,800 | 645 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 869 |
| Cost of funding earning assets | 0.0752% | 4,964 |
| Net interest margin | 4.7348% | 236 |
| Noninterest income to average assets | 2.6044% | 224 |
| Noninterest expense to average assets | 5.0086% | 187 |
| Loan and lease loss provision to assets | 0.1814% | 2,165 |
| Net operating income to assets | 1.8149% | 436 |
| Return on assets (ROA) | 1.8896% | 415 |
| Pretax return on assets | 1.8910% | 649 |
| Return on Equity (ROE) | 22.6222% | 162 |
| Retained earnings to average equity (ytd only) | 10.6387% | 643 |
| Net charge-offs to loans | 0.0829% | 1,480 |
| Credit loss provision to net charge-offs | 297.8224% | 1,769 |
| Earnings coverage of net charge-offs (x) | 32.7956% | 1,515 |
| Efficiency ratio | 71.4723% | 1,699 |
| Assets per employee ($millions) | 5.5730% | 2,647 |
| Cash dividends to net income (ytd only)* | 52.9723% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,354 |
| Loan loss allowance to noncurrent loans | 214.9529% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 2,629 |
| Noncurrent loans to loans | 0.4987% | 2,562 |
| Net loans and leases to total assets | 76.2161% | 1,066 |
| Net loans and leases to deposits | 99.3393% | 561 |
| Net loans and leases to core deposits | 149.3770% | 120 |
| Total domestic deposits to total assets | 76.7230% | 4,362 |
| Equity capital to assets | 8.0247% | 4,705 |
| Core capital (leverage) ratio | 9.1893% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9269% | 1,851 |
| Memoranda: | ||
| Average total assets | $1,306,812,250 | 683 |
| Average earning assets | $1,214,900,750 | 677 |
| Average equity | $109,158,250 | 888 |
| Average total loans | $960,461,500 | 662 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 399 |
| Cost of funding earning assets | 0.0648% | 5,013 |
| Net interest margin | 5.3425% | 110 |
| Noninterest income to average assets | 3.0304% | 162 |
| Noninterest expense to average assets | 5.5305% | 156 |
| Loan and lease loss provision to assets | 0.1188% | 2,833 |
| Net operating income to assets | 2.3386% | 178 |
| Return on assets (ROA) | 2.3825% | 177 |
| Pretax return on assets | 2.3845% | 257 |
| Return on Equity (ROE) | 28.1033% | 77 |
| Retained earnings to average equity (ytd only) | 11.7646% | 487 |
| Net charge-offs to loans | 0.0786% | 1,461 |
| Credit loss provision to net charge-offs | 209.4972% | 1,876 |
| Earnings coverage of net charge-offs (x) | 43.3883% | 1,188 |
| Efficiency ratio | 69.2045% | 2,059 |
| Assets per employee ($millions) | 5.8153% | 2,359 |
| Cash dividends to net income (ytd only)* | 58.1378% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,473 |
| Loan loss allowance to noncurrent loans | 569.0965% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,700 |
| Noncurrent loans to loans | 0.1792% | 3,731 |
| Net loans and leases to total assets | 74.0218% | 1,411 |
| Net loans and leases to deposits | 96.1459% | 787 |
| Net loans and leases to core deposits | 151.3952% | 104 |
| Total domestic deposits to total assets | 76.9890% | 4,319 |
| Equity capital to assets | 7.7888% | 4,809 |
| Core capital (leverage) ratio | 8.8226% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5430% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,263,135,667 | 691 |
| Average earning assets | $1,172,587,000 | 682 |
| Average equity | $107,083,667 | 899 |
| Average total loans | $911,368,333 | 686 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,673 |
| Cost of funding earning assets | 0.0493% | 5,082 |
| Net interest margin | 4.6646% | 365 |
| Noninterest income to average assets | 3.0125% | 151 |
| Noninterest expense to average assets | 5.8877% | 156 |
| Loan and lease loss provision to assets | 0.1113% | 2,292 |
| Net operating income to assets | 1.3174% | 1,194 |
| Return on assets (ROA) | 1.3174% | 1,288 |
| Pretax return on assets | 1.3211% | 1,812 |
| Return on Equity (ROE) | 14.7912% | 575 |
| Retained earnings to average equity (ytd only) | 1.6845% | 3,556 |
| Net charge-offs to loans | 0.0738% | 1,287 |
| Credit loss provision to net charge-offs | 213.8158% | 1,382 |
| Earnings coverage of net charge-offs (x) | 27.5132% | 1,234 |
| Efficiency ratio | 80.4127% | 1,100 |
| Assets per employee ($millions) | 4.5320% | 3,217 |
| Cash dividends to net income (ytd only)* | 88.6115% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,093 |
| Loan loss allowance to noncurrent loans | 561.0222% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,652 |
| Noncurrent loans to loans | 0.2335% | 3,656 |
| Net loans and leases to total assets | 70.8323% | 2,113 |
| Net loans and leases to deposits | 78.2787% | 2,854 |
| Net loans and leases to core deposits | 145.7085% | 136 |
| Total domestic deposits to total assets | 90.4873% | 198 |
| Equity capital to assets | 9.1757% | 4,484 |
| Core capital (leverage) ratio | 8.9820% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8682% | 2,342 |
| Memoranda: | ||
| Average total assets | $1,167,790,000 | 717 |
| Average earning assets | $1,078,431,500 | 710 |
| Average equity | $104,008,000 | 919 |
| Average total loans | $823,435,000 | 728 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 1,865 |
| Cost of funding earning assets | 0.0752% | 5,130 |
| Net interest margin | 4.7878% | 404 |
| Noninterest income to average assets | 2.8382% | 164 |
| Noninterest expense to average assets | 6.0438% | 138 |
| Loan and lease loss provision to assets | 0.1800% | 1,156 |
| Net operating income to assets | 1.0211% | 2,765 |
| Return on assets (ROA) | 1.0218% | 2,851 |
| Pretax return on assets | 1.0519% | 3,323 |
| Return on Equity (ROE) | 11.7507% | 1,604 |
| Retained earnings to average equity (ytd only) | 1.8273% | 4,069 |
| Net charge-offs to loans | 0.3384% | 605 |
| Credit loss provision to net charge-offs | 72.9458% | 2,873 |
| Earnings coverage of net charge-offs (x) | 4.9903% | 3,148 |
| Efficiency ratio | 83.0602% | 726 |
| Assets per employee ($millions) | 4.6637% | 3,001 |
| Cash dividends to net income (ytd only)* | 84.4494% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,883 |
| Loan loss allowance to noncurrent loans | 652.8694% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 3,947 |
| Noncurrent loans to loans | 0.2004% | 3,739 |
| Net loans and leases to total assets | 68.3715% | 2,625 |
| Net loans and leases to deposits | 75.2105% | 3,242 |
| Net loans and leases to core deposits | 155.5406% | 96 |
| Total domestic deposits to total assets | 90.9069% | 129 |
| Equity capital to assets | 8.6427% | 4,851 |
| Core capital (leverage) ratio | 8.8204% | 4,656 |
| Tier 1 risk-based capital ratio | 12.6442% | 3,979 |
| Total risk-based capital ratio | 13.8952% | 3,868 |
| Memoranda: | ||
| Average total assets | $1,129,694,200 | 702 |
| Average earning assets | $1,046,864,000 | 694 |
| Average equity | $98,232,600 | 911 |
| Average total loans | $823,533,200 | 695 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 1,784 |
| Cost of funding earning assets | 0.0788% | 5,201 |
| Net interest margin | 4.8327% | 390 |
| Noninterest income to average assets | 1.0498% | 838 |
| Noninterest expense to average assets | 4.3419% | 348 |
| Loan and lease loss provision to assets | 0.2109% | 823 |
| Net operating income to assets | 0.9423% | 3,196 |
| Return on assets (ROA) | 0.9432% | 3,266 |
| Pretax return on assets | 0.9783% | 3,656 |
| Return on Equity (ROE) | 10.8299% | 2,086 |
| Retained earnings to average equity (ytd only) | 1.9212% | 4,303 |
| Net charge-offs to loans | 0.4122% | 405 |
| Credit loss provision to net charge-offs | 69.2670% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.9028% | 3,064 |
| Efficiency ratio | 78.4897% | 1,055 |
| Assets per employee ($millions) | 4.5137% | 3,183 |
| Cash dividends to net income (ytd only)* | 82.2599% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,157 |
| Loan loss allowance to noncurrent loans | 621.4452% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,976 |
| Noncurrent loans to loans | 0.2031% | 3,814 |
| Net loans and leases to total assets | 74.2150% | 1,772 |
| Net loans and leases to deposits | 81.8596% | 2,704 |
| Net loans and leases to core deposits | 164.0909% | 77 |
| Total domestic deposits to total assets | 90.6613% | 143 |
| Equity capital to assets | 9.0169% | 4,770 |
| Core capital (leverage) ratio | 9.2742% | 4,399 |
| Tier 1 risk-based capital ratio | 12.0992% | 4,366 |
| Total risk-based capital ratio | 13.3494% | 4,263 |
| Memoranda: | ||
| Average total assets | $1,117,136,250 | 711 |
| Average earning assets | $1,035,694,250 | 699 |
| Average equity | $97,296,500 | 919 |
| Average total loans | $825,059,750 | 698 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 1,865 |
| Cost of funding earning assets | 0.0794% | 5,246 |
| Net interest margin | 4.7851% | 415 |
| Noninterest income to average assets | 1.1467% | 647 |
| Noninterest expense to average assets | 4.5546% | 291 |
| Loan and lease loss provision to assets | 0.3170% | 425 |
| Net operating income to assets | 0.6715% | 4,097 |
| Return on assets (ROA) | 0.6688% | 4,154 |
| Pretax return on assets | 0.7133% | 4,301 |
| Return on Equity (ROE) | 7.7708% | 3,392 |
| Retained earnings to average equity (ytd only) | 0.6545% | 4,522 |
| Net charge-offs to loans | 0.5926% | 255 |
| Credit loss provision to net charge-offs | 72.8660% | 2,296 |
| Earnings coverage of net charge-offs (x) | 2.3748% | 2,947 |
| Efficiency ratio | 81.4884% | 839 |
| Assets per employee ($millions) | 4.3723% | 3,329 |
| Cash dividends to net income (ytd only)* | 91.5773% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 1,885 |
| Loan loss allowance to noncurrent loans | 529.9607% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 3,832 |
| Noncurrent loans to loans | 0.2511% | 3,633 |
| Net loans and leases to total assets | 73.4975% | 1,963 |
| Net loans and leases to deposits | 81.1113% | 2,833 |
| Net loans and leases to core deposits | 169.7171% | 71 |
| Total domestic deposits to total assets | 90.6131% | 170 |
| Equity capital to assets | 9.1199% | 4,720 |
| Core capital (leverage) ratio | 9.0357% | 4,603 |
| Tier 1 risk-based capital ratio | 12.2137% | 4,291 |
| Total risk-based capital ratio | 13.4644% | 4,165 |
| Memoranda: | ||
| Average total assets | $1,114,880,330 | 708 |
| Average earning assets | $1,034,708,000 | 702 |
| Average equity | $95,948,330 | 929 |
| Average total loans | $818,490,000 | 702 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,073 |
| Cost of funding earning assets | 0.0809% | 5,306 |
| Net interest margin | 4.6618% | 538 |
| Noninterest income to average assets | 1.1504% | 607 |
| Noninterest expense to average assets | 4.1469% | 438 |
| Loan and lease loss provision to assets | 0.5319% | 198 |
| Net operating income to assets | 0.7997% | 3,623 |
| Return on assets (ROA) | 0.7997% | 3,667 |
| Pretax return on assets | 0.8032% | 4,032 |
| Return on Equity (ROE) | 9.5674% | 2,563 |
| Retained earnings to average equity (ytd only) | 0.3140% | 4,472 |
| Net charge-offs to loans | 0.0092% | 2,362 |
| Credit loss provision to net charge-offs | 7,894.7368% | 38 |
| Earnings coverage of net charge-offs (x) | 198.1579% | 394 |
| Efficiency ratio | 75.6194% | 1,541 |
| Assets per employee ($millions) | 4.7425% | 2,861 |
| Cash dividends to net income (ytd only)* | 96.7184% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,164 |
| Loan loss allowance to noncurrent loans | 257.0378% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 2,816 |
| Noncurrent loans to loans | 0.6053% | 2,523 |
| Net loans and leases to total assets | 72.4743% | 2,078 |
| Net loans and leases to deposits | 79.4404% | 2,900 |
| Net loans and leases to core deposits | 168.3669% | 69 |
| Total domestic deposits to total assets | 91.2311% | 127 |
| Equity capital to assets | 8.5566% | 4,957 |
| Core capital (leverage) ratio | 8.7674% | 4,819 |
| Tier 1 risk-based capital ratio | 12.0042% | 4,456 |
| Total risk-based capital ratio | 13.2579% | 4,345 |
| Memoranda: | ||
| Average total assets | $1,127,967,000 | 701 |
| Average earning assets | $1,048,098,500 | 695 |
| Average equity | $94,278,000 | 935 |
| Average total loans | $822,254,000 | 699 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 1,541 |
| Cost of funding earning assets | 0.0939% | 5,299 |
| Net interest margin | 4.7072% | 480 |
| Noninterest income to average assets | 4.6553% | 100 |
| Noninterest expense to average assets | 7.4469% | 100 |
| Loan and lease loss provision to assets | 0.3391% | 457 |
| Net operating income to assets | 1.2467% | 1,987 |
| Return on assets (ROA) | 1.2467% | 1,984 |
| Pretax return on assets | 1.2511% | 2,690 |
| Return on Equity (ROE) | 14.9145% | 853 |
| Retained earnings to average equity (ytd only) | 1.6231% | 4,492 |
| Net charge-offs to loans | 0.0634% | 2,214 |
| Credit loss provision to net charge-offs | 753.9877% | 474 |
| Earnings coverage of net charge-offs (x) | 35.3538% | 1,440 |
| Efficiency ratio | 82.3872% | 764 |
| Assets per employee ($millions) | 11.8654% | 209 |
| Cash dividends to net income (ytd only)* | 89.1176% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,609 |
| Loan loss allowance to noncurrent loans | 312.6161% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,255 |
| Noncurrent loans to loans | 0.4501% | 2,925 |
| Net loans and leases to total assets | 71.1576% | 2,401 |
| Net loans and leases to deposits | 77.6359% | 3,210 |
| Net loans and leases to core deposits | 159.6139% | 90 |
| Total domestic deposits to total assets | 91.6555% | 99 |
| Equity capital to assets | 8.1596% | 5,100 |
| Core capital (leverage) ratio | 8.8246% | 4,791 |
| Tier 1 risk-based capital ratio | 11.9560% | 4,450 |
| Total risk-based capital ratio | 13.2078% | 4,344 |
| Memoranda: | ||
| Average total assets | $1,087,149,800 | 704 |
| Average earning assets | $1,011,996,400 | 695 |
| Average equity | $90,877,800 | 925 |
| Average total loans | $770,960,400 | 726 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 1,567 |
| Cost of funding earning assets | 0.0986% | 5,357 |
| Net interest margin | 4.6436% | 537 |
| Noninterest income to average assets | 4.9991% | 96 |
| Noninterest expense to average assets | 7.8410% | 89 |
| Loan and lease loss provision to assets | 0.2940% | 505 |
| Net operating income to assets | 1.1824% | 2,309 |
| Return on assets (ROA) | 1.1824% | 2,315 |
| Pretax return on assets | 1.1881% | 3,037 |
| Return on Equity (ROE) | 14.0565% | 1,101 |
| Retained earnings to average equity (ytd only) | 2.2147% | 4,500 |
| Net charge-offs to loans | 0.0384% | 2,312 |
| Credit loss provision to net charge-offs | 1,084.4749% | 387 |
| Earnings coverage of net charge-offs (x) | 54.6717% | 1,119 |
| Efficiency ratio | 84.0861% | 635 |
| Assets per employee ($millions) | 10.9226% | 252 |
| Cash dividends to net income (ytd only)* | 84.2442% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,100 |
| Loan loss allowance to noncurrent loans | 1,427.4348% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,654 |
| Noncurrent loans to loans | 0.0910% | 4,478 |
| Net loans and leases to total assets | 70.9932% | 2,492 |
| Net loans and leases to deposits | 77.3394% | 3,295 |
| Net loans and leases to core deposits | 158.6411% | 94 |
| Total domestic deposits to total assets | 91.7943% | 99 |
| Equity capital to assets | 8.0337% | 5,160 |
| Core capital (leverage) ratio | 9.0112% | 4,691 |
| Tier 1 risk-based capital ratio | 11.8825% | 4,566 |
| Total risk-based capital ratio | 13.1325% | 4,442 |
| Memoranda: | ||
| Average total assets | $1,077,135,000 | 710 |
| Average earning assets | $1,002,990,500 | 701 |
| Average equity | $90,603,250 | 925 |
| Average total loans | $760,314,750 | 732 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 1,446 |
| Cost of funding earning assets | 0.1078% | 5,386 |
| Net interest margin | 4.6150% | 535 |
| Noninterest income to average assets | 6.1528% | 81 |
| Noninterest expense to average assets | 9.1378% | 75 |
| Loan and lease loss provision to assets | 0.3426% | 388 |
| Net operating income to assets | 0.9602% | 3,192 |
| Return on assets (ROA) | 0.9602% | 3,196 |
| Pretax return on assets | 0.9681% | 3,759 |
| Return on Equity (ROE) | 11.2389% | 2,023 |
| Retained earnings to average equity (ytd only) | 1.5280% | 4,633 |
| Net charge-offs to loans | 0.0514% | 1,867 |
| Credit loss provision to net charge-offs | 950.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 36.3438% | 1,365 |
| Efficiency ratio | 87.4398% | 496 |
| Assets per employee ($millions) | 10.8483% | 251 |
| Cash dividends to net income (ytd only)* | 86.4045% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,380 |
| Loan loss allowance to noncurrent loans | 1,255.6544% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 4,651 |
| Noncurrent loans to loans | 0.1003% | 4,460 |
| Net loans and leases to total assets | 70.6899% | 2,479 |
| Net loans and leases to deposits | 77.3314% | 3,220 |
| Net loans and leases to core deposits | 160.9776% | 75 |
| Total domestic deposits to total assets | 91.4117% | 169 |
| Equity capital to assets | 8.1865% | 5,144 |
| Core capital (leverage) ratio | 9.0638% | 4,630 |
| Tier 1 risk-based capital ratio | 11.7446% | 4,658 |
| Total risk-based capital ratio | 12.9354% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,064,811,000 | 721 |
| Average earning assets | $991,126,330 | 713 |
| Average equity | $90,969,670 | 921 |
| Average total loans | $746,637,670 | 740 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 1,367 |
| Cost of funding earning assets | 0.1265% | 5,369 |
| Net interest margin | 4.5475% | 556 |
| Noninterest income to average assets | 5.9963% | 84 |
| Noninterest expense to average assets | 8.9104% | 82 |
| Loan and lease loss provision to assets | 0.2908% | 453 |
| Net operating income to assets | 1.0124% | 2,809 |
| Return on assets (ROA) | 1.0124% | 2,832 |
| Pretax return on assets | 1.0280% | 3,434 |
| Return on Equity (ROE) | 11.5975% | 1,724 |
| Retained earnings to average equity (ytd only) | 2.2095% | 4,285 |
| Net charge-offs to loans | 0.1006% | 1,185 |
| Credit loss provision to net charge-offs | 416.9399% | 672 |
| Earnings coverage of net charge-offs (x) | 18.9071% | 1,522 |
| Efficiency ratio | 87.0882% | 581 |
| Assets per employee ($millions) | 11.3175% | 227 |
| Cash dividends to net income (ytd only)* | 80.9488% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,855 |
| Loan loss allowance to noncurrent loans | 1,527.6817% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,839 |
| Noncurrent loans to loans | 0.0780% | 4,634 |
| Net loans and leases to total assets | 66.0122% | 3,028 |
| Net loans and leases to deposits | 72.5213% | 3,552 |
| Net loans and leases to core deposits | 164.1433% | 77 |
| Total domestic deposits to total assets | 91.0246% | 312 |
| Equity capital to assets | 8.1290% | 5,215 |
| Core capital (leverage) ratio | 8.5297% | 5,124 |
| Tier 1 risk-based capital ratio | 12.9773% | 3,959 |
| Total risk-based capital ratio | 14.1527% | 3,893 |
| Memoranda: | ||
| Average total assets | $1,049,379,500 | 730 |
| Average earning assets | $976,799,500 | 728 |
| Average equity | $91,606,000 | 918 |
| Average total loans | $727,750,000 | 757 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,410 |
| Cost of funding earning assets | 0.1755% | 5,122 |
| Net interest margin | 4.1000% | 1,435 |
| Noninterest income to average assets | 3.0822% | 171 |
| Noninterest expense to average assets | 6.0370% | 146 |
| Loan and lease loss provision to assets | 0.1752% | 1,244 |
| Net operating income to assets | 0.6594% | 3,787 |
| Return on assets (ROA) | 0.6430% | 3,878 |
| Pretax return on assets | 0.6464% | 4,637 |
| Return on Equity (ROE) | 6.9537% | 3,301 |
| Retained earnings to average equity (ytd only) | 1.0768% | 4,602 |
| Net charge-offs to loans | 0.0240% | 3,329 |
| Credit loss provision to net charge-offs | 994.8718% | 367 |
| Earnings coverage of net charge-offs (x) | 47.5962% | 1,127 |
| Efficiency ratio | 87.7695% | 546 |
| Assets per employee ($millions) | 10.4173% | 277 |
| Cash dividends to net income (ytd only)* | 84.5154% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,027 |
| Loan loss allowance to noncurrent loans | 219.3566% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 3,346 |
| Noncurrent loans to loans | 0.5264% | 2,935 |
| Net loans and leases to total assets | 71.3659% | 2,328 |
| Net loans and leases to deposits | 80.5466% | 2,857 |
| Net loans and leases to core deposits | 154.5713% | 112 |
| Total domestic deposits to total assets | 88.6020% | 1,193 |
| Equity capital to assets | 9.4026% | 4,323 |
| Core capital (leverage) ratio | 9.3506% | 4,230 |
| Tier 1 risk-based capital ratio | 13.4499% | 3,656 |
| Total risk-based capital ratio | 14.5970% | 3,626 |
| Memoranda: | ||
| Average total assets | $885,874,600 | 845 |
| Average earning assets | $819,530,800 | 840 |
| Average equity | $81,912,800 | 988 |
| Average total loans | $649,862,200 | 807 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,945 |
| Cost of funding earning assets | 0.1876% | 5,076 |
| Net interest margin | 3.9247% | 1,952 |
| Noninterest income to average assets | 3.4830% | 155 |
| Noninterest expense to average assets | 6.5459% | 133 |
| Loan and lease loss provision to assets | 0.1842% | 1,070 |
| Net operating income to assets | 0.3748% | 5,057 |
| Return on assets (ROA) | 0.3780% | 5,075 |
| Pretax return on assets | 0.3827% | 5,214 |
| Return on Equity (ROE) | 4.1080% | 4,822 |
| Retained earnings to average equity (ytd only) | 1.4289% | 4,840 |
| Net charge-offs to loans | 0.0490% | 2,453 |
| Credit loss provision to net charge-offs | 509.8712% | 623 |
| Earnings coverage of net charge-offs (x) | 15.6008% | 2,217 |
| Efficiency ratio | 92.0334% | 343 |
| Assets per employee ($millions) | 10.8753% | 245 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,238 |
| Loan loss allowance to noncurrent loans | 178.4914% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 3,248 |
| Noncurrent loans to loans | 0.6399% | 2,795 |
| Net loans and leases to total assets | 69.0522% | 2,686 |
| Net loans and leases to deposits | 76.8440% | 3,289 |
| Net loans and leases to core deposits | 149.9716% | 123 |
| Total domestic deposits to total assets | 89.8603% | 521 |
| Equity capital to assets | 8.1490% | 5,459 |
| Core capital (leverage) ratio | 8.9242% | 4,830 |
| Tier 1 risk-based capital ratio | 11.6673% | 4,845 |
| Total risk-based capital ratio | 12.7822% | 4,834 |
| Memoranda: | ||
| Average total assets | $859,932,750 | 872 |
| Average earning assets | $794,606,000 | 870 |
| Average equity | $79,128,000 | 1,018 |
| Average total loans | $633,698,500 | 832 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,753 |
| Cost of funding earning assets | 0.1977% | 5,005 |
| Net interest margin | 3.9254% | 1,850 |
| Noninterest income to average assets | 4.4329% | 127 |
| Noninterest expense to average assets | 7.5251% | 108 |
| Loan and lease loss provision to assets | 0.2046% | 887 |
| Net operating income to assets | 0.3114% | 5,194 |
| Return on assets (ROA) | 0.3165% | 5,201 |
| Pretax return on assets | 0.3238% | 5,307 |
| Return on Equity (ROE) | 3.2895% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.2895% | 3,761 |
| Net charge-offs to loans | 0.1151% | 1,485 |
| Credit loss provision to net charge-offs | 236.3380% | 1,123 |
| Earnings coverage of net charge-offs (x) | 6.0451% | 2,752 |
| Efficiency ratio | 93.4628% | 320 |
| Assets per employee ($millions) | 8.7795% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,342 |
| Loan loss allowance to noncurrent loans | 129.2356% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,493 |
| Noncurrent loans to loans | 0.8863% | 2,202 |
| Net loans and leases to total assets | 76.7386% | 1,425 |
| Net loans and leases to deposits | 92.5675% | 1,421 |
| Net loans and leases to core deposits | 149.8853% | 121 |
| Total domestic deposits to total assets | 82.9002% | 3,599 |
| Equity capital to assets | 9.7705% | 4,150 |
| Core capital (leverage) ratio | 10.1279% | 3,365 |
| Tier 1 risk-based capital ratio | 12.8062% | 4,115 |
| Total risk-based capital ratio | 13.9502% | 4,091 |
| Memoranda: | ||
| Average total assets | $820,319,000 | 920 |
| Average earning assets | $755,535,000 | 922 |
| Average equity | $78,917,330 | 1,025 |
| Average total loans | $617,040,000 | 857 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,184 |
| Cost of funding earning assets | 0.1790% | 5,164 |
| Net interest margin | 3.7770% | 2,196 |
| Noninterest income to average assets | 2.6861% | 217 |
| Noninterest expense to average assets | 5.6901% | 177 |
| Loan and lease loss provision to assets | 0.2460% | 619 |
| Net operating income to assets | 0.2288% | 5,349 |
| Return on assets (ROA) | 0.2387% | 5,340 |
| Pretax return on assets | 0.2485% | 5,379 |
| Return on Equity (ROE) | 2.5007% | 5,231 |
| Retained earnings to average equity (ytd only) | 2.5007% | 4,141 |
| Net charge-offs to loans | 0.2320% | 776 |
| Credit loss provision to net charge-offs | 143.3048% | 1,242 |
| Earnings coverage of net charge-offs (x) | 2.8205% | 2,546 |
| Efficiency ratio | 92.1103% | 447 |
| Assets per employee ($millions) | 8.7870% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,437 |
| Loan loss allowance to noncurrent loans | 236.7692% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,708 |
| Noncurrent loans to loans | 0.4839% | 3,352 |
| Net loans and leases to total assets | 76.4351% | 1,339 |
| Net loans and leases to deposits | 87.2111% | 1,888 |
| Net loans and leases to core deposits | 141.5204% | 159 |
| Total domestic deposits to total assets | 87.6439% | 1,920 |
| Equity capital to assets | 9.9637% | 3,801 |
| Core capital (leverage) ratio | 10.1218% | 3,349 |
| Tier 1 risk-based capital ratio | 13.0411% | 4,051 |
| Total risk-based capital ratio | 14.1647% | 4,029 |
| Memoranda: | ||
| Average total assets | $817,842,000 | 925 |
| Average earning assets | $755,307,000 | 922 |
| Average equity | $78,059,500 | 1,032 |
| Average total loans | $605,239,500 | 872 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 3,608 |
| Cost of funding earning assets | 0.1866% | 5,145 |
| Net interest margin | 3.7020% | 2,685 |
| Noninterest income to average assets | 3.6168% | 161 |
| Noninterest expense to average assets | 6.4508% | 141 |
| Loan and lease loss provision to assets | 0.0435% | 3,511 |
| Net operating income to assets | 0.5640% | 4,371 |
| Return on assets (ROA) | 0.6311% | 4,196 |
| Pretax return on assets | 0.6420% | 4,671 |
| Return on Equity (ROE) | 6.5252% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.0277% | 4,912 |
| Net charge-offs to loans | -0.0106% | 4,952 |
| Credit loss provision to net charge-offs | -598.3333% | 5,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2116% | 496 |
| Assets per employee ($millions) | 9.3873% | 379 |
| Cash dividends to net income (ytd only)* | 84.2509% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,468 |
| Loan loss allowance to noncurrent loans | 198.8973% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 3,644 |
| Noncurrent loans to loans | 0.5753% | 3,116 |
| Net loans and leases to total assets | 70.0887% | 2,452 |
| Net loans and leases to deposits | 79.1288% | 2,982 |
| Net loans and leases to core deposits | 139.1679% | 181 |
| Total domestic deposits to total assets | 88.5754% | 1,336 |
| Equity capital to assets | 9.1522% | 4,645 |
| Core capital (leverage) ratio | 10.1639% | 3,278 |
| Tier 1 risk-based capital ratio | 13.2703% | 3,913 |
| Total risk-based capital ratio | 14.3955% | 3,900 |
| Memoranda: | ||
| Average total assets | $826,050,600 | 881 |
| Average earning assets | $770,051,000 | 876 |
| Average equity | $79,890,200 | 988 |
| Average total loans | $567,694,200 | 875 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,515 |
| Cost of funding earning assets | 0.1902% | 5,176 |
| Net interest margin | 3.7306% | 2,591 |
| Noninterest income to average assets | 3.7925% | 155 |
| Noninterest expense to average assets | 6.5310% | 149 |
| Loan and lease loss provision to assets | 0.0420% | 3,395 |
| Net operating income to assets | 0.6921% | 3,893 |
| Return on assets (ROA) | 0.7782% | 3,612 |
| Pretax return on assets | 0.7894% | 4,338 |
| Return on Equity (ROE) | 7.9370% | 3,044 |
| Retained earnings to average equity (ytd only) | 1.6755% | 4,841 |
| Net charge-offs to loans | -0.0129% | 4,865 |
| Credit loss provision to net charge-offs | -479.6296% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7053% | 576 |
| Assets per employee ($millions) | 9.2342% | 383 |
| Cash dividends to net income (ytd only)* | 78.8903% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,513 |
| Loan loss allowance to noncurrent loans | 186.6667% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,598 |
| Noncurrent loans to loans | 0.6188% | 3,161 |
| Net loans and leases to total assets | 72.7111% | 2,060 |
| Net loans and leases to deposits | 83.2326% | 2,579 |
| Net loans and leases to core deposits | 128.2772% | 322 |
| Total domestic deposits to total assets | 87.3590% | 1,728 |
| Equity capital to assets | 10.2309% | 3,880 |
| Core capital (leverage) ratio | 10.4142% | 3,093 |
| Tier 1 risk-based capital ratio | 13.5314% | 3,845 |
| Total risk-based capital ratio | 14.6587% | 3,826 |
| Memoranda: | ||
| Average total assets | $821,349,750 | 884 |
| Average earning assets | $766,828,250 | 873 |
| Average equity | $80,532,000 | 988 |
| Average total loans | $559,867,500 | 885 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 3,908 |
| Cost of funding earning assets | 0.1908% | 5,233 |
| Net interest margin | 3.6223% | 3,006 |
| Noninterest income to average assets | 4.7692% | 131 |
| Noninterest expense to average assets | 7.4064% | 123 |
| Loan and lease loss provision to assets | 0.0624% | 2,887 |
| Net operating income to assets | 0.6790% | 3,902 |
| Return on assets (ROA) | 0.7640% | 3,625 |
| Pretax return on assets | 0.7758% | 4,370 |
| Return on Equity (ROE) | 7.9010% | 3,030 |
| Retained earnings to average equity (ytd only) | 3.3552% | 3,763 |
| Net charge-offs to loans | -0.0098% | 4,687 |
| Credit loss provision to net charge-offs | -959.2593% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7062% | 564 |
| Assets per employee ($millions) | 8.9360% | 399 |
| Cash dividends to net income (ytd only)* | 57.5347% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,562 |
| Loan loss allowance to noncurrent loans | 134.7164% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 2,855 |
| Noncurrent loans to loans | 0.8638% | 2,581 |
| Net loans and leases to total assets | 73.4251% | 1,944 |
| Net loans and leases to deposits | 84.3171% | 2,429 |
| Net loans and leases to core deposits | 134.7391% | 242 |
| Total domestic deposits to total assets | 87.0822% | 1,876 |
| Equity capital to assets | 10.4633% | 3,680 |
| Core capital (leverage) ratio | 10.4254% | 3,048 |
| Tier 1 risk-based capital ratio | 13.8678% | 3,688 |
| Total risk-based capital ratio | 15.0137% | 3,662 |
| Memoranda: | ||
| Average total assets | $830,418,330 | 872 |
| Average earning assets | $776,854,330 | 861 |
| Average equity | $80,293,330 | 991 |
| Average total loans | $551,763,670 | 895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,350 |
| Cost of funding earning assets | 0.1851% | 5,325 |
| Net interest margin | 3.5068% | 3,448 |
| Noninterest income to average assets | 1.9134% | 360 |
| Noninterest expense to average assets | 4.3295% | 444 |
| Loan and lease loss provision to assets | 0.0187% | 3,445 |
| Net operating income to assets | 0.8437% | 3,014 |
| Return on assets (ROA) | 1.0027% | 2,383 |
| Pretax return on assets | 1.0162% | 3,418 |
| Return on Equity (ROE) | 10.7713% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.7713% | 696 |
| Net charge-offs to loans | -0.0171% | 4,778 |
| Credit loss provision to net charge-offs | -173.9130% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0822% | 1,251 |
| Assets per employee ($millions) | 9.7243% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,531 |
| Loan loss allowance to noncurrent loans | 288.9284% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 4,028 |
| Noncurrent loans to loans | 0.4124% | 3,953 |
| Net loans and leases to total assets | 66.7677% | 2,848 |
| Net loans and leases to deposits | 76.3146% | 3,181 |
| Net loans and leases to core deposits | 127.0196% | 320 |
| Total domestic deposits to total assets | 87.4901% | 1,930 |
| Equity capital to assets | 10.1278% | 3,918 |
| Core capital (leverage) ratio | 9.7032% | 3,909 |
| Tier 1 risk-based capital ratio | 14.3136% | 3,490 |
| Total risk-based capital ratio | 15.4464% | 3,501 |
| Memoranda: | ||
| Average total assets | $856,912,500 | 854 |
| Average earning assets | $804,045,000 | 832 |
| Average equity | $79,767,500 | 998 |
| Average total loans | $538,870,500 | 908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 4,793 |
| Cost of funding earning assets | 0.1809% | 5,448 |
| Net interest margin | 3.3734% | 4,019 |
| Noninterest income to average assets | 6.2550% | 97 |
| Noninterest expense to average assets | 8.3855% | 99 |
| Loan and lease loss provision to assets | 0.0390% | 3,557 |
| Net operating income to assets | 0.9656% | 2,549 |
| Return on assets (ROA) | 1.0849% | 2,057 |
| Pretax return on assets | 1.0924% | 3,096 |
| Return on Equity (ROE) | 12.5175% | 1,176 |
| Retained earnings to average equity (ytd only) | 1.8819% | 4,654 |
| Net charge-offs to loans | 0.0280% | 3,664 |
| Credit loss provision to net charge-offs | 259.2593% | 1,112 |
| Earnings coverage of net charge-offs (x) | 67.2222% | 798 |
| Efficiency ratio | 89.1779% | 745 |
| Assets per employee ($millions) | 10.7942% | 213 |
| Cash dividends to net income (ytd only)* | 84.9661% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,432 |
| Loan loss allowance to noncurrent loans | 289.8649% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 3,944 |
| Noncurrent loans to loans | 0.4170% | 3,957 |
| Net loans and leases to total assets | 58.0027% | 4,094 |
| Net loans and leases to deposits | 64.9745% | 4,403 |
| Net loans and leases to core deposits | 117.1039% | 572 |
| Total domestic deposits to total assets | 89.2699% | 983 |
| Equity capital to assets | 8.5796% | 5,495 |
| Core capital (leverage) ratio | 9.6602% | 3,960 |
| Tier 1 risk-based capital ratio | 14.3208% | 3,538 |
| Total risk-based capital ratio | 15.4728% | 3,507 |
| Memoranda: | ||
| Average total assets | $897,627,600 | 766 |
| Average earning assets | $835,934,600 | 749 |
| Average equity | $77,794,800 | 980 |
| Average total loans | $482,247,600 | 966 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 4,836 |
| Cost of funding earning assets | 0.1812% | 5,542 |
| Net interest margin | 3.3835% | 4,021 |
| Noninterest income to average assets | 8.1192% | 82 |
| Noninterest expense to average assets | 10.0513% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2012% | 1,646 |
| Return on assets (ROA) | 1.3603% | 1,252 |
| Pretax return on assets | 1.3701% | 2,135 |
| Return on Equity (ROE) | 15.6560% | 643 |
| Retained earnings to average equity (ytd only) | 5.2015% | 2,777 |
| Net charge-offs to loans | -0.0114% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2066% | 752 |
| Assets per employee ($millions) | 10.0299% | 268 |
| Cash dividends to net income (ytd only)* | 66.7761% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 3,325 |
| Loan loss allowance to noncurrent loans | 247.3331% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 3,777 |
| Noncurrent loans to loans | 0.5084% | 3,822 |
| Net loans and leases to total assets | 60.5056% | 3,810 |
| Net loans and leases to deposits | 68.7950% | 4,114 |
| Net loans and leases to core deposits | 106.2075% | 1,081 |
| Total domestic deposits to total assets | 87.9505% | 1,593 |
| Equity capital to assets | 9.6759% | 4,542 |
| Core capital (leverage) ratio | 9.6724% | 4,071 |
| Tier 1 risk-based capital ratio | 15.0854% | 3,253 |
| Total risk-based capital ratio | 16.2725% | 3,220 |
| Memoranda: | ||
| Average total assets | $895,356,500 | 776 |
| Average earning assets | $831,337,250 | 761 |
| Average equity | $77,795,500 | 983 |
| Average total loans | $469,721,500 | 988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 5,040 |
| Cost of funding earning assets | 0.1738% | 5,659 |
| Net interest margin | 3.3065% | 4,280 |
| Noninterest income to average assets | 10.4626% | 67 |
| Noninterest expense to average assets | 12.1742% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3413% | 1,217 |
| Return on assets (ROA) | 1.5625% | 839 |
| Pretax return on assets | 1.5744% | 1,410 |
| Return on Equity (ROE) | 18.6032% | 365 |
| Retained earnings to average equity (ytd only) | 18.6032% | 92 |
| Net charge-offs to loans | -0.0182% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9678% | 753 |
| Assets per employee ($millions) | 9.9790% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 3,135 |
| Loan loss allowance to noncurrent loans | 239.6479% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 3,943 |
| Noncurrent loans to loans | 0.5507% | 3,803 |
| Net loans and leases to total assets | 55.8552% | 4,353 |
| Net loans and leases to deposits | 63.6145% | 4,567 |
| Net loans and leases to core deposits | 95.7828% | 1,819 |
| Total domestic deposits to total assets | 87.8026% | 1,751 |
| Equity capital to assets | 9.4746% | 4,680 |
| Core capital (leverage) ratio | 9.1810% | 4,719 |
| Tier 1 risk-based capital ratio | 16.5456% | 2,591 |
| Total risk-based capital ratio | 17.7833% | 2,547 |
| Memoranda: | ||
| Average total assets | $923,002,670 | 759 |
| Average earning assets | $854,924,670 | 754 |
| Average equity | $77,524,330 | 987 |
| Average total loans | $460,356,000 | 1,009 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 5,510 |
| Cost of funding earning assets | 0.1634% | 5,822 |
| Net interest margin | 3.1086% | 4,926 |
| Noninterest income to average assets | 10.2202% | 72 |
| Noninterest expense to average assets | 11.6430% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4275% | 985 |
| Return on assets (ROA) | 1.6810% | 644 |
| Pretax return on assets | 1.7029% | 1,043 |
| Return on Equity (ROE) | 21.1919% | 219 |
| Retained earnings to average equity (ytd only) | 21.1919% | 82 |
| Net charge-offs to loans | -0.0362% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9054% | 944 |
| Assets per employee ($millions) | 12.7148% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 3,027 |
| Loan loss allowance to noncurrent loans | 183.2309% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,610 |
| Noncurrent loans to loans | 0.7520% | 3,380 |
| Net loans and leases to total assets | 45.1840% | 5,259 |
| Net loans and leases to deposits | 50.4082% | 5,432 |
| Net loans and leases to core deposits | 70.5810% | 4,098 |
| Total domestic deposits to total assets | 89.6363% | 930 |
| Equity capital to assets | 8.0494% | 6,008 |
| Core capital (leverage) ratio | 7.4712% | 6,149 |
| Tier 1 risk-based capital ratio | 15.8616% | 2,984 |
| Total risk-based capital ratio | 17.0944% | 2,930 |
| Memoranda: | ||
| Average total assets | $965,385,500 | 721 |
| Average earning assets | $891,215,000 | 714 |
| Average equity | $76,576,500 | 1,000 |
| Average total loans | $453,303,500 | 1,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 5,441 |
| Cost of funding earning assets | 0.1933% | 5,806 |
| Net interest margin | 3.2501% | 4,751 |
| Noninterest income to average assets | 3.8816% | 151 |
| Noninterest expense to average assets | 5.9237% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9859% | 2,451 |
| Return on assets (ROA) | 1.0660% | 2,161 |
| Pretax return on assets | 1.0770% | 3,175 |
| Return on Equity (ROE) | 12.3357% | 1,313 |
| Retained earnings to average equity (ytd only) | 1.9173% | 4,845 |
| Net charge-offs to loans | 0.0503% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 37.3946% | 1,146 |
| Efficiency ratio | 85.5323% | 1,227 |
| Assets per employee ($millions) | 11.3135% | 171 |
| Cash dividends to net income (ytd only)* | 84.4576% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 3,070 |
| Loan loss allowance to noncurrent loans | 162.4021% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 3,184 |
| Noncurrent loans to loans | 0.8469% | 3,196 |
| Net loans and leases to total assets | 47.4977% | 5,202 |
| Net loans and leases to deposits | 53.0439% | 5,408 |
| Net loans and leases to core deposits | 56.2821% | 5,364 |
| Total domestic deposits to total assets | 89.5441% | 954 |
| Equity capital to assets | 7.8085% | 6,139 |
| Core capital (leverage) ratio | 9.6967% | 3,972 |
| Tier 1 risk-based capital ratio | 15.9746% | 2,972 |
| Total risk-based capital ratio | 17.2253% | 2,917 |
| Memoranda: | ||
| Average total assets | $837,148,000 | 805 |
| Average earning assets | $782,554,400 | 781 |
| Average equity | $72,343,000 | 1,013 |
| Average total loans | $443,146,800 | 995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 5,261 |
| Cost of funding earning assets | 0.1997% | 5,833 |
| Net interest margin | 3.3538% | 4,417 |
| Noninterest income to average assets | 4.4146% | 136 |
| Noninterest expense to average assets | 6.3575% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1744% | 1,776 |
| Return on assets (ROA) | 1.2478% | 1,584 |
| Pretax return on assets | 1.2592% | 2,536 |
| Return on Equity (ROE) | 14.0472% | 971 |
| Retained earnings to average equity (ytd only) | 2.6537% | 4,705 |
| Net charge-offs to loans | 0.0039% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 555.0929% | 138 |
| Efficiency ratio | 84.2175% | 1,363 |
| Assets per employee ($millions) | 7.2416% | 717 |
| Cash dividends to net income (ytd only)* | 81.1084% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 2,932 |
| Loan loss allowance to noncurrent loans | 109.4282% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 2,355 |
| Noncurrent loans to loans | 1.3280% | 2,428 |
| Net loans and leases to total assets | 59.0321% | 3,927 |
| Net loans and leases to deposits | 67.6885% | 4,169 |
| Net loans and leases to core deposits | 73.1736% | 4,033 |
| Total domestic deposits to total assets | 87.2115% | 2,188 |
| Equity capital to assets | 9.7244% | 4,528 |
| Core capital (leverage) ratio | 10.3008% | 3,298 |
| Tier 1 risk-based capital ratio | 16.1790% | 2,971 |
| Total risk-based capital ratio | 17.4304% | 2,924 |
| Memoranda: | ||
| Average total assets | $811,680,000 | 837 |
| Average earning assets | $757,063,000 | 808 |
| Average equity | $72,098,000 | 1,014 |
| Average total loans | $440,875,250 | 1,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 5,519 |
| Cost of funding earning assets | 0.1930% | 5,975 |
| Net interest margin | 3.2574% | 4,752 |
| Noninterest income to average assets | 6.1623% | 98 |
| Noninterest expense to average assets | 7.8041% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3892% | 1,090 |
| Return on assets (ROA) | 1.4863% | 928 |
| Pretax return on assets | 1.5002% | 1,537 |
| Return on Equity (ROE) | 17.2135% | 533 |
| Retained earnings to average equity (ytd only) | 17.2135% | 139 |
| Net charge-offs to loans | -0.0604% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7127% | 1,425 |
| Assets per employee ($millions) | 7.4455% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,065 |
| Loan loss allowance to noncurrent loans | 101.7012% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 2,284 |
| Noncurrent loans to loans | 1.4375% | 2,401 |
| Net loans and leases to total assets | 58.9402% | 3,872 |
| Net loans and leases to deposits | 67.8827% | 4,067 |
| Net loans and leases to core deposits | 73.6191% | 3,877 |
| Total domestic deposits to total assets | 86.8265% | 2,561 |
| Equity capital to assets | 10.1982% | 3,829 |
| Core capital (leverage) ratio | 10.0671% | 3,512 |
| Tier 1 risk-based capital ratio | 16.9182% | 2,655 |
| Total risk-based capital ratio | 18.1698% | 2,619 |
| Memoranda: | ||
| Average total assets | $836,024,330 | 811 |
| Average earning assets | $781,234,000 | 790 |
| Average equity | $72,187,670 | 1,008 |
| Average total loans | $440,344,000 | 1,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 5,976 |
| Cost of funding earning assets | 0.1804% | 6,159 |
| Net interest margin | 3.0391% | 5,415 |
| Noninterest income to average assets | 6.4690% | 91 |
| Noninterest expense to average assets | 7.7181% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5986% | 670 |
| Return on assets (ROA) | 1.7375% | 556 |
| Pretax return on assets | 1.7539% | 870 |
| Return on Equity (ROE) | 21.8141% | 204 |
| Retained earnings to average equity (ytd only) | 21.8141% | 91 |
| Net charge-offs to loans | -0.0441% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6499% | 1,847 |
| Assets per employee ($millions) | 9.4652% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,228 |
| Loan loss allowance to noncurrent loans | 109.6268% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 2,784 |
| Noncurrent loans to loans | 1.3504% | 2,785 |
| Net loans and leases to total assets | 47.5387% | 5,180 |
| Net loans and leases to deposits | 53.0866% | 5,368 |
| Net loans and leases to core deposits | 56.7029% | 5,301 |
| Total domestic deposits to total assets | 89.5495% | 1,345 |
| Equity capital to assets | 7.9655% | 6,084 |
| Core capital (leverage) ratio | 7.4207% | 6,364 |
| Tier 1 risk-based capital ratio | 17.1442% | 2,623 |
| Total risk-based capital ratio | 18.3963% | 2,577 |
| Memoranda: | ||
| Average total assets | $878,039,000 | 771 |
| Average earning assets | $827,085,000 | 749 |
| Average equity | $69,936,500 | 1,043 |
| Average total loans | $435,614,500 | 1,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 5,073 |
| Cost of funding earning assets | 0.2108% | 6,227 |
| Net interest margin | 3.5083% | 3,862 |
| Noninterest income to average assets | 1.9147% | 418 |
| Noninterest expense to average assets | 3.7216% | 1,252 |
| Loan and lease loss provision to assets | 0.0250% | 4,627 |
| Net operating income to assets | 1.4359% | 951 |
| Return on assets (ROA) | 1.4957% | 876 |
| Pretax return on assets | 1.4973% | 1,457 |
| Return on Equity (ROE) | 16.1558% | 605 |
| Retained earnings to average equity (ytd only) | -0.9853% | 6,059 |
| Net charge-offs to loans | 0.1382% | 3,420 |
| Credit loss provision to net charge-offs | 33.0537% | 4,183 |
| Earnings coverage of net charge-offs (x) | 19.3138% | 1,613 |
| Efficiency ratio | 71.6645% | 3,542 |
| Assets per employee ($millions) | 8.5597% | 384 |
| Cash dividends to net income (ytd only)* | 106.0987% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,251 |
| Loan loss allowance to noncurrent loans | 98.6073% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 2,606 |
| Noncurrent loans to loans | 1.5098% | 2,633 |
| Net loans and leases to total assets | 50.3092% | 5,050 |
| Net loans and leases to deposits | 56.4248% | 5,261 |
| Net loans and leases to core deposits | 60.3732% | 5,193 |
| Total domestic deposits to total assets | 89.1616% | 1,511 |
| Equity capital to assets | 7.9646% | 6,044 |
| Core capital (leverage) ratio | 10.5418% | 2,864 |
| Tier 1 risk-based capital ratio | 17.5846% | 2,379 |
| Total risk-based capital ratio | 18.8380% | 2,358 |
| Memoranda: | ||
| Average total assets | $787,100,200 | 848 |
| Average earning assets | $733,496,600 | 828 |
| Average equity | $72,871,800 | 976 |
| Average total loans | $431,313,200 | 992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 4,806 |
| Cost of funding earning assets | 0.2205% | 6,288 |
| Net interest margin | 3.5928% | 3,476 |
| Noninterest income to average assets | 2.1752% | 371 |
| Noninterest expense to average assets | 3.9395% | 919 |
| Loan and lease loss provision to assets | 0.0340% | 4,340 |
| Net operating income to assets | 1.5229% | 865 |
| Return on assets (ROA) | 1.5966% | 800 |
| Pretax return on assets | 1.6020% | 1,335 |
| Return on Equity (ROE) | 16.6087% | 576 |
| Retained earnings to average equity (ytd only) | 4.4050% | 3,537 |
| Net charge-offs to loans | 0.1337% | 3,205 |
| Credit loss provision to net charge-offs | 45.6019% | 3,604 |
| Earnings coverage of net charge-offs (x) | 20.9397% | 1,568 |
| Efficiency ratio | 71.4851% | 3,511 |
| Assets per employee ($millions) | 7.0202% | 740 |
| Cash dividends to net income (ytd only)* | 73.4776% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 3,239 |
| Loan loss allowance to noncurrent loans | 89.1032% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 2,089 |
| Noncurrent loans to loans | 1.7366% | 2,588 |
| Net loans and leases to total assets | 61.1033% | 3,505 |
| Net loans and leases to deposits | 70.9878% | 3,645 |
| Net loans and leases to core deposits | 77.9661% | 3,365 |
| Total domestic deposits to total assets | 86.0758% | 3,209 |
| Equity capital to assets | 10.3097% | 3,496 |
| Core capital (leverage) ratio | 11.2489% | 2,253 |
| Tier 1 risk-based capital ratio | 18.4128% | 2,171 |
| Total risk-based capital ratio | 19.6665% | 2,139 |
| Memoranda: | ||
| Average total assets | $772,021,500 | 875 |
| Average earning assets | $714,824,250 | 856 |
| Average equity | $74,216,500 | 975 |
| Average total loans | $430,948,750 | 992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 5,061 |
| Cost of funding earning assets | 0.2171% | 6,387 |
| Net interest margin | 3.5112% | 3,736 |
| Noninterest income to average assets | 2.6771% | 293 |
| Noninterest expense to average assets | 3.8941% | 984 |
| Loan and lease loss provision to assets | 0.0067% | 4,709 |
| Net operating income to assets | 2.0099% | 350 |
| Return on assets (ROA) | 2.0539% | 341 |
| Pretax return on assets | 2.0582% | 534 |
| Return on Equity (ROE) | 21.8185% | 211 |
| Retained earnings to average equity (ytd only) | 9.0901% | 1,087 |
| Net charge-offs to loans | 0.0615% | 3,825 |
| Credit loss provision to net charge-offs | 20.3008% | 3,728 |
| Earnings coverage of net charge-offs (x) | 60.7820% | 695 |
| Efficiency ratio | 65.7284% | 4,598 |
| Assets per employee ($millions) | 6.9658% | 729 |
| Cash dividends to net income (ytd only)* | 58.3374% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,336 |
| Loan loss allowance to noncurrent loans | 77.4787% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1547% | 2,003 |
| Noncurrent loans to loans | 2.0076% | 2,394 |
| Net loans and leases to total assets | 62.4491% | 3,211 |
| Net loans and leases to deposits | 72.7591% | 3,345 |
| Net loans and leases to core deposits | 79.2896% | 3,114 |
| Total domestic deposits to total assets | 85.8300% | 3,452 |
| Equity capital to assets | 10.5741% | 3,202 |
| Core capital (leverage) ratio | 10.1099% | 3,355 |
| Tier 1 risk-based capital ratio | 18.4430% | 2,158 |
| Total risk-based capital ratio | 19.6969% | 2,119 |
| Memoranda: | ||
| Average total assets | $800,034,000 | 836 |
| Average earning assets | $737,754,330 | 824 |
| Average equity | $75,312,330 | 963 |
| Average total loans | $432,269,000 | 983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6400% | 6,766 |
| Cost of funding earning assets | 0.1215% | 6,859 |
| Net interest margin | 2.5185% | 6,489 |
| Noninterest income to average assets | 6.5791% | 104 |
| Noninterest expense to average assets | 4.4449% | 560 |
| Loan and lease loss provision to assets | 0.0112% | 4,311 |
| Net operating income to assets | 4.3536% | 48 |
| Return on assets (ROA) | 4.4551% | 51 |
| Pretax return on assets | 4.4551% | 71 |
| Return on Equity (ROE) | 63.0256% | 17 |
| Retained earnings to average equity (ytd only) | 49.2800% | 19 |
| Net charge-offs to loans | 0.2875% | 1,816 |
| Credit loss provision to net charge-offs | 11.9565% | 3,126 |
| Earnings coverage of net charge-offs (x) | 46.7283% | 706 |
| Efficiency ratio | 50.4091% | 6,478 |
| Assets per employee ($millions) | 10.6444% | 188 |
| Cash dividends to net income (ytd only)* | 21.8095% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 2,120 |
| Loan loss allowance to noncurrent loans | 79.0224% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 3,336 |
| Noncurrent loans to loans | 2.4928% | 2,072 |
| Net loans and leases to total assets | 25.9145% | 6,733 |
| Net loans and leases to deposits | 28.1011% | 6,782 |
| Net loans and leases to core deposits | 29.9206% | 6,767 |
| Total domestic deposits to total assets | 92.2185% | 211 |
| Equity capital to assets | 6.5606% | 6,783 |
| Core capital (leverage) ratio | 6.0582% | 6,798 |
| Tier 1 risk-based capital ratio | 19.8059% | 1,825 |
| Total risk-based capital ratio | 21.0594% | 1,792 |
| Memoranda: | ||
| Average total assets | $393,976,000 | 1,695 |
| Average earning assets | $348,937,000 | 1,744 |
| Average equity | $27,849,000 | 2,459 |
| Average total loans | $127,996,000 | 2,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9154% | 6,813 |
| Cost of funding earning assets | 0.1446% | 6,927 |
| Net interest margin | 2.7708% | 6,420 |
| Noninterest income to average assets | 1.6421% | 587 |
| Noninterest expense to average assets | 2.3605% | 5,524 |
| Loan and lease loss provision to assets | 0.1907% | 3,256 |
| Net operating income to assets | 1.5095% | 897 |
| Return on assets (ROA) | 2.0727% | 347 |
| Pretax return on assets | 2.0926% | 501 |
| Return on Equity (ROE) | 27.8121% | 86 |
| Retained earnings to average equity (ytd only) | 1.5267% | 5,106 |
| Net charge-offs to loans | 0.4455% | 2,448 |
| Credit loss provision to net charge-offs | 129.8535% | 2,160 |
| Earnings coverage of net charge-offs (x) | 11.6740% | 2,007 |
| Efficiency ratio | 57.7756% | 5,863 |
| Assets per employee ($millions) | 8.9708% | 325 |
| Cash dividends to net income (ytd only)* | 94.5108% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 2,765 |
| Loan loss allowance to noncurrent loans | 82.4718% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 2,790 |
| Noncurrent loans to loans | 2.1196% | 2,562 |
| Net loans and leases to total assets | 39.7200% | 6,187 |
| Net loans and leases to deposits | 43.8307% | 6,378 |
| Net loans and leases to core deposits | 47.2101% | 6,315 |
| Total domestic deposits to total assets | 90.6213% | 653 |
| Equity capital to assets | 7.7351% | 6,533 |
| Core capital (leverage) ratio | 10.4407% | 2,834 |
| Tier 1 risk-based capital ratio | 16.8013% | 2,744 |
| Total risk-based capital ratio | 18.0545% | 2,707 |
| Memoranda: | ||
| Average total assets | $371,784,000 | 1,752 |
| Average earning assets | $326,439,600 | 1,820 |
| Average equity | $27,707,400 | 2,423 |
| Average total loans | $122,551,800 | 3,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8306% | 6,964 |
| Cost of funding earning assets | 0.1479% | 7,039 |
| Net interest margin | 2.6827% | 6,668 |
| Noninterest income to average assets | 1.8641% | 461 |
| Noninterest expense to average assets | 2.3370% | 5,581 |
| Loan and lease loss provision to assets | 0.1602% | 3,513 |
| Net operating income to assets | 1.6723% | 733 |
| Return on assets (ROA) | 2.3468% | 244 |
| Pretax return on assets | 2.3486% | 371 |
| Return on Equity (ROE) | 31.7608% | 62 |
| Retained earnings to average equity (ytd only) | 4.9781% | 3,377 |
| Net charge-offs to loans | 0.3470% | 2,716 |
| Credit loss provision to net charge-offs | 147.5728% | 1,922 |
| Earnings coverage of net charge-offs (x) | 16.8964% | 1,651 |
| Efficiency ratio | 55.8663% | 6,072 |
| Assets per employee ($millions) | 5.9170% | 1,299 |
| Cash dividends to net income (ytd only)* | 84.3264% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 2,139 |
| Loan loss allowance to noncurrent loans | 48.6684% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.7921% | 1,880 |
| Noncurrent loans to loans | 4.1330% | 1,213 |
| Net loans and leases to total assets | 51.8682% | 5,070 |
| Net loans and leases to deposits | 60.8918% | 5,097 |
| Net loans and leases to core deposits | 66.6695% | 4,879 |
| Total domestic deposits to total assets | 85.1809% | 3,668 |
| Equity capital to assets | 12.2729% | 2,062 |
| Core capital (leverage) ratio | 11.7731% | 1,790 |
| Tier 1 risk-based capital ratio | 23.3454% | 1,123 |
| Total risk-based capital ratio | 24.6053% | 1,099 |
| Memoranda: | ||
| Average total assets | $379,507,750 | 1,733 |
| Average earning assets | $326,374,750 | 1,840 |
| Average equity | $28,042,250 | 2,407 |
| Average total loans | $118,737,250 | 3,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6364% | 7,093 |
| Cost of funding earning assets | 0.1341% | 7,147 |
| Net interest margin | 2.5023% | 6,889 |
| Noninterest income to average assets | 2.3899% | 313 |
| Noninterest expense to average assets | 2.0907% | 6,248 |
| Loan and lease loss provision to assets | 0.1466% | 3,684 |
| Net operating income to assets | 2.3147% | 232 |
| Return on assets (ROA) | 2.9815% | 107 |
| Pretax return on assets | 2.9838% | 155 |
| Return on Equity (ROE) | 45.5885% | 26 |
| Retained earnings to average equity (ytd only) | 5.6258% | 2,912 |
| Net charge-offs to loans | 0.4181% | 2,361 |
| Credit loss provision to net charge-offs | 127.4194% | 2,160 |
| Earnings coverage of net charge-offs (x) | 21.4113% | 1,347 |
| Efficiency ratio | 45.7518% | 6,892 |
| Assets per employee ($millions) | 7.1841% | 671 |
| Cash dividends to net income (ytd only)* | 87.6595% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,435 |
| Loan loss allowance to noncurrent loans | 45.8854% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9195% | 1,893 |
| Noncurrent loans to loans | 4.2140% | 1,293 |
| Net loans and leases to total assets | 46.6734% | 5,765 |
| Net loans and leases to deposits | 53.7654% | 5,895 |
| Net loans and leases to core deposits | 57.9798% | 5,776 |
| Total domestic deposits to total assets | 86.8094% | 2,887 |
| Equity capital to assets | 10.9396% | 3,179 |
| Core capital (leverage) ratio | 7.4631% | 6,637 |
| Tier 1 risk-based capital ratio | 21.6622% | 1,353 |
| Total risk-based capital ratio | 22.9196% | 1,333 |
| Memoranda: | ||
| Average total assets | $431,062,000 | 1,544 |
| Average earning assets | $372,858,000 | 1,621 |
| Average equity | $28,191,330 | 2,375 |
| Average total loans | $118,644,000 | 3,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2604% | 7,216 |
| Cost of funding earning assets | 0.1118% | 7,237 |
| Net interest margin | 2.1486% | 7,114 |
| Noninterest income to average assets | 3.5625% | 190 |
| Noninterest expense to average assets | 1.6849% | 6,911 |
| Loan and lease loss provision to assets | 0.2304% | 2,641 |
| Net operating income to assets | 3.5172% | 83 |
| Return on assets (ROA) | 3.5625% | 90 |
| Pretax return on assets | 3.5663% | 116 |
| Return on Equity (ROE) | 65.0323% | 18 |
| Retained earnings to average equity (ytd only) | 41.3409% | 31 |
| Net charge-offs to loans | 0.2946% | 2,486 |
| Credit loss provision to net charge-offs | 344.8276% | 884 |
| Earnings coverage of net charge-offs (x) | 56.1494% | 575 |
| Efficiency ratio | 30.8377% | 7,231 |
| Assets per employee ($millions) | 18.9218% | 63 |
| Cash dividends to net income (ytd only)* | 36.4303% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 2,220 |
| Loan loss allowance to noncurrent loans | 60.7011% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 4,261 |
| Noncurrent loans to loans | 3.3754% | 1,876 |
| Net loans and leases to total assets | 18.8268% | 7,159 |
| Net loans and leases to deposits | 19.9695% | 7,191 |
| Net loans and leases to core deposits | 20.4697% | 7,192 |
| Total domestic deposits to total assets | 94.2777% | 81 |
| Equity capital to assets | 4.7989% | 7,150 |
| Core capital (leverage) ratio | 6.0506% | 7,033 |
| Tier 1 risk-based capital ratio | 20.7120% | 1,542 |
| Total risk-based capital ratio | 21.9683% | 1,512 |
| Memoranda: | ||
| Average total assets | $520,870,500 | 1,304 |
| Average earning assets | $454,258,500 | 1,361 |
| Average equity | $28,533,500 | 2,360 |
| Average total loans | $118,130,000 | 3,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 7,136 |
| Cost of funding earning assets | 0.2615% | 7,163 |
| Net interest margin | 2.8979% | 6,694 |
| Noninterest income to average assets | 2.2966% | 308 |
| Noninterest expense to average assets | 2.0460% | 6,590 |
| Loan and lease loss provision to assets | 0.3253% | 3,087 |
| Net operating income to assets | 2.4049% | 158 |
| Return on assets (ROA) | 2.6700% | 111 |
| Pretax return on assets | 2.6716% | 165 |
| Return on Equity (ROE) | 31.9559% | 35 |
| Retained earnings to average equity (ytd only) | 4.8411% | 2,757 |
| Net charge-offs to loans | 0.8822% | 1,975 |
| Credit loss provision to net charge-offs | 100.7782% | 3,462 |
| Earnings coverage of net charge-offs (x) | 8.4621% | 2,142 |
| Efficiency ratio | 42.5003% | 7,158 |
| Assets per employee ($millions) | 11.9235% | 152 |
| Cash dividends to net income (ytd only)* | 84.8506% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,470 |
| Loan loss allowance to noncurrent loans | 104.5624% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 4,421 |
| Noncurrent loans to loans | 1.8479% | 3,414 |
| Net loans and leases to total assets | 27.3163% | 7,081 |
| Net loans and leases to deposits | 29.6496% | 7,140 |
| Net loans and leases to core deposits | 30.7493% | 7,138 |
| Total domestic deposits to total assets | 92.1303% | 221 |
| Equity capital to assets | 6.4943% | 7,047 |
| Core capital (leverage) ratio | 6.3772% | 7,005 |
| Tier 1 risk-based capital ratio | 20.5899% | 1,498 |
| Total risk-based capital ratio | 21.8464% | 1,464 |
| Memoranda: | ||
| Average total assets | $318,428,800 | 2,016 |
| Average earning assets | $272,642,600 | 2,150 |
| Average equity | $26,605,400 | 2,427 |
| Average total loans | $116,526,000 | 3,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 7,159 |
| Cost of funding earning assets | 0.3030% | 7,205 |
| Net interest margin | 3.0555% | 6,481 |
| Noninterest income to average assets | 2.9662% | 221 |
| Noninterest expense to average assets | 2.1708% | 6,340 |
| Loan and lease loss provision to assets | 0.4022% | 2,437 |
| Net operating income to assets | 3.0097% | 94 |
| Return on assets (ROA) | 3.1160% | 93 |
| Pretax return on assets | 3.1182% | 128 |
| Return on Equity (ROE) | 34.5594% | 33 |
| Retained earnings to average equity (ytd only) | -1.7622% | 6,267 |
| Net charge-offs to loans | 1.1401% | 1,386 |
| Credit loss provision to net charge-offs | 88.8666% | 3,808 |
| Earnings coverage of net charge-offs (x) | 7.5436% | 2,343 |
| Efficiency ratio | 38.5922% | 7,277 |
| Assets per employee ($millions) | 13.1483% | 126 |
| Cash dividends to net income (ytd only)* | 105.0991% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 2,824 |
| Loan loss allowance to noncurrent loans | 92.5587% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 3,667 |
| Noncurrent loans to loans | 1.9804% | 3,396 |
| Net loans and leases to total assets | 32.0866% | 7,025 |
| Net loans and leases to deposits | 35.2999% | 7,092 |
| Net loans and leases to core deposits | 37.3715% | 7,093 |
| Total domestic deposits to total assets | 90.8970% | 471 |
| Equity capital to assets | 7.2748% | 6,997 |
| Core capital (leverage) ratio | 8.2597% | 6,038 |
| Tier 1 risk-based capital ratio | 20.2545% | 1,628 |
| Total risk-based capital ratio | 21.5110% | 1,592 |
| Memoranda: | ||
| Average total assets | $293,705,250 | 2,180 |
| Average earning assets | $251,733,750 | 2,302 |
| Average equity | $26,481,250 | 2,442 |
| Average total loans | $116,596,750 | 3,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 7,114 |
| Cost of funding earning assets | 0.3450% | 7,234 |
| Net interest margin | 3.2284% | 6,069 |
| Noninterest income to average assets | 4.4761% | 152 |
| Noninterest expense to average assets | 2.3010% | 6,126 |
| Loan and lease loss provision to assets | 0.5753% | 1,687 |
| Net operating income to assets | 4.3495% | 58 |
| Return on assets (ROA) | 4.3495% | 59 |
| Pretax return on assets | 4.3532% | 81 |
| Return on Equity (ROE) | 44.5174% | 25 |
| Retained earnings to average equity (ytd only) | -7.2735% | 6,731 |
| Net charge-offs to loans | 1.1937% | 1,311 |
| Credit loss provision to net charge-offs | 112.7690% | 2,721 |
| Earnings coverage of net charge-offs (x) | 9.6614% | 1,893 |
| Efficiency ratio | 31.6258% | 7,427 |
| Assets per employee ($millions) | 9.5610% | 272 |
| Cash dividends to net income (ytd only)* | 116.3385% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 2,501 |
| Loan loss allowance to noncurrent loans | 99.5295% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.9446% | 3,315 |
| Noncurrent loans to loans | 1.9616% | 3,528 |
| Net loans and leases to total assets | 45.2684% | 6,328 |
| Net loans and leases to deposits | 51.6191% | 6,492 |
| Net loans and leases to core deposits | 56.6795% | 6,368 |
| Total domestic deposits to total assets | 87.6969% | 2,341 |
| Equity capital to assets | 9.6550% | 4,593 |
| Core capital (leverage) ratio | 7.0503% | 6,977 |
| Tier 1 risk-based capital ratio | 20.7736% | 1,461 |
| Total risk-based capital ratio | 22.0331% | 1,435 |
| Memoranda: | ||
| Average total assets | $273,272,000 | 2,340 |
| Average earning assets | $233,053,670 | 2,503 |
| Average equity | $26,699,670 | 2,408 |
| Average total loans | $116,783,670 | 3,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 7,193 |
| Cost of funding earning assets | 0.3401% | 7,333 |
| Net interest margin | 3.1901% | 6,098 |
| Noninterest income to average assets | 6.9180% | 102 |
| Noninterest expense to average assets | 1.9812% | 6,857 |
| Loan and lease loss provision to assets | 0.4643% | 1,898 |
| Net operating income to assets | 7.0704% | 38 |
| Return on assets (ROA) | 7.0704% | 40 |
| Pretax return on assets | 7.0775% | 47 |
| Return on Equity (ROE) | 71.9746% | 16 |
| Retained earnings to average equity (ytd only) | 58.6498% | 17 |
| Net charge-offs to loans | 1.4535% | 934 |
| Credit loss provision to net charge-offs | 77.6190% | 3,203 |
| Earnings coverage of net charge-offs (x) | 12.6071% | 1,488 |
| Efficiency ratio | 20.7299% | 7,531 |
| Assets per employee ($millions) | 14.6763% | 100 |
| Cash dividends to net income (ytd only)* | 18.5133% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 2,879 |
| Loan loss allowance to noncurrent loans | 72.6533% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 3,839 |
| Noncurrent loans to loans | 2.5353% | 2,948 |
| Net loans and leases to total assets | 31.1390% | 7,202 |
| Net loans and leases to deposits | 34.5379% | 7,261 |
| Net loans and leases to core deposits | 38.4654% | 7,209 |
| Total domestic deposits to total assets | 90.1588% | 1,054 |
| Equity capital to assets | 8.0713% | 6,423 |
| Core capital (leverage) ratio | 8.8669% | 4,825 |
| Tier 1 risk-based capital ratio | 25.2213% | 855 |
| Total risk-based capital ratio | 26.4794% | 834 |
| Memoranda: | ||
| Average total assets | $280,834,500 | 2,296 |
| Average earning assets | $229,332,500 | 2,553 |
| Average equity | $27,587,500 | 2,332 |
| Average total loans | $115,582,500 | 3,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8362% | 1,184 |
| Cost of funding earning assets | 0.6986% | 6,894 |
| Net interest margin | 5.1376% | 329 |
| Noninterest income to average assets | 1.2275% | 1,004 |
| Noninterest expense to average assets | 2.5988% | 5,419 |
| Loan and lease loss provision to assets | 1.1503% | 1,382 |
| Net operating income to assets | 1.2913% | 1,201 |
| Return on assets (ROA) | 1.2913% | 1,256 |
| Pretax return on assets | 1.2958% | 1,936 |
| Return on Equity (ROE) | 12.6733% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.6200% | 1,497 |
| Net charge-offs to loans | 1.2122% | 1,849 |
| Credit loss provision to net charge-offs | 152.6898% | 2,342 |
| Earnings coverage of net charge-offs (x) | 3.2469% | 3,454 |
| Efficiency ratio | 51.5132% | 7,024 |
| Assets per employee ($millions) | 8.8528% | 358 |
| Cash dividends to net income (ytd only)* | 47.7644% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 2,422 |
| Loan loss allowance to noncurrent loans | 48.7901% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 2,392 |
| Noncurrent loans to loans | 3.9967% | 1,816 |
| Net loans and leases to total assets | 57.7792% | 5,056 |
| Net loans and leases to deposits | 69.1768% | 4,938 |
| Net loans and leases to core deposits | 95.0688% | 2,121 |
| Total domestic deposits to total assets | 83.5240% | 4,591 |
| Equity capital to assets | 13.1242% | 1,335 |
| Core capital (leverage) ratio | 13.2348% | 1,052 |
| Tier 1 risk-based capital ratio | 22.1032% | 1,161 |
| Total risk-based capital ratio | 23.3621% | 1,127 |
| Memoranda: | ||
| Average total assets | $180,122,200 | 3,376 |
| Average earning assets | $133,838,000 | 3,932 |
| Average equity | $18,353,600 | 3,373 |
| Average total loans | $111,949,000 | 3,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 1,110 |
| Cost of funding earning assets | 0.7195% | 7,008 |
| Net interest margin | 5.1909% | 302 |
| Noninterest income to average assets | 1.2497% | 879 |
| Noninterest expense to average assets | 2.6604% | 5,063 |
| Loan and lease loss provision to assets | 0.9535% | 1,565 |
| Net operating income to assets | 1.5164% | 891 |
| Return on assets (ROA) | 1.5164% | 970 |
| Pretax return on assets | 1.5225% | 1,553 |
| Return on Equity (ROE) | 16.1671% | 683 |
| Retained earnings to average equity (ytd only) | 7.2176% | 1,743 |
| Net charge-offs to loans | 0.8881% | 2,222 |
| Credit loss provision to net charge-offs | 170.3104% | 2,182 |
| Earnings coverage of net charge-offs (x) | 4.4224% | 3,057 |
| Efficiency ratio | 51.7946% | 6,999 |
| Assets per employee ($millions) | 8.3817% | 436 |
| Cash dividends to net income (ytd only)* | 55.3565% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,712 |
| Loan loss allowance to noncurrent loans | 53.7612% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.3130% | 3,068 |
| Noncurrent loans to loans | 3.3906% | 2,346 |
| Net loans and leases to total assets | 57.1071% | 5,400 |
| Net loans and leases to deposits | 65.1877% | 5,757 |
| Net loans and leases to core deposits | 75.0174% | 5,175 |
| Total domestic deposits to total assets | 87.6040% | 2,209 |
| Equity capital to assets | 9.0912% | 5,455 |
| Core capital (leverage) ratio | 9.2961% | 4,218 |
| Tier 1 risk-based capital ratio | 15.4860% | 3,005 |
| Total risk-based capital ratio | 16.7441% | 2,972 |
| Memoranda: | ||
| Average total assets | $176,462,250 | 3,473 |
| Average earning assets | $132,124,250 | 4,028 |
| Average equity | $16,551,750 | 3,715 |
| Average total loans | $111,243,750 | 3,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1231% | 721 |
| Cost of funding earning assets | 0.7495% | 7,064 |
| Net interest margin | 5.3736% | 210 |
| Noninterest income to average assets | 0.9180% | 1,629 |
| Noninterest expense to average assets | 2.8370% | 4,327 |
| Loan and lease loss provision to assets | 1.1484% | 1,252 |
| Net operating income to assets | 0.8385% | 2,786 |
| Return on assets (ROA) | 0.8385% | 2,942 |
| Pretax return on assets | 0.8478% | 3,714 |
| Return on Equity (ROE) | 8.8371% | 2,534 |
| Retained earnings to average equity (ytd only) | -0.2342% | 5,780 |
| Net charge-offs to loans | 0.9140% | 2,005 |
| Credit loss provision to net charge-offs | 193.6884% | 2,033 |
| Earnings coverage of net charge-offs (x) | 3.3669% | 3,355 |
| Efficiency ratio | 58.6983% | 6,277 |
| Assets per employee ($millions) | 7.7552% | 554 |
| Cash dividends to net income (ytd only)* | 102.6499% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 2,731 |
| Loan loss allowance to noncurrent loans | 45.3164% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.8866% | 2,491 |
| Noncurrent loans to loans | 3.9612% | 1,927 |
| Net loans and leases to total assets | 64.0671% | 4,250 |
| Net loans and leases to deposits | 74.0936% | 4,665 |
| Net loans and leases to core deposits | 88.9500% | 3,415 |
| Total domestic deposits to total assets | 86.4678% | 2,838 |
| Equity capital to assets | 9.6381% | 4,491 |
| Core capital (leverage) ratio | 9.4952% | 3,829 |
| Tier 1 risk-based capital ratio | 14.6810% | 3,337 |
| Total risk-based capital ratio | 15.9385% | 3,308 |
| Memoranda: | ||
| Average total assets | $171,023,000 | 3,587 |
| Average earning assets | $124,609,330 | 4,217 |
| Average equity | $16,227,000 | 3,760 |
| Average total loans | $110,946,670 | 3,610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2334% | 597 |
| Cost of funding earning assets | 0.7878% | 7,124 |
| Net interest margin | 5.4456% | 197 |
| Noninterest income to average assets | 1.1517% | 936 |
| Noninterest expense to average assets | 2.8290% | 4,374 |
| Loan and lease loss provision to assets | 1.1003% | 1,114 |
| Net operating income to assets | 1.0980% | 1,833 |
| Return on assets (ROA) | 1.0980% | 1,917 |
| Pretax return on assets | 1.0980% | 2,739 |
| Return on Equity (ROE) | 11.6636% | 1,595 |
| Retained earnings to average equity (ytd only) | 1.1415% | 5,361 |
| Net charge-offs to loans | 0.7078% | 2,086 |
| Credit loss provision to net charge-offs | 240.3061% | 1,597 |
| Earnings coverage of net charge-offs (x) | 4.8010% | 2,546 |
| Efficiency ratio | 56.2732% | 6,732 |
| Assets per employee ($millions) | 7.2323% | 744 |
| Cash dividends to net income (ytd only)* | 90.2128% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 3,408 |
| Loan loss allowance to noncurrent loans | 56.9708% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.9818% | 2,410 |
| Noncurrent loans to loans | 2.8212% | 2,842 |
| Net loans and leases to total assets | 66.1695% | 3,814 |
| Net loans and leases to deposits | 81.3230% | 3,402 |
| Net loans and leases to core deposits | 100.0091% | 2,127 |
| Total domestic deposits to total assets | 81.3663% | 5,322 |
| Equity capital to assets | 9.6829% | 4,251 |
| Core capital (leverage) ratio | 9.6297% | 3,601 |
| Tier 1 risk-based capital ratio | 14.5079% | 3,371 |
| Total risk-based capital ratio | 15.7628% | 3,338 |
| Memoranda: | ||
| Average total assets | $171,227,000 | 3,636 |
| Average earning assets | $121,860,000 | 4,332 |
| Average equity | $16,118,500 | 3,815 |
| Average total loans | $110,767,000 | 3,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5595% | 593 |
| Cost of funding earning assets | 1.3510% | 6,139 |
| Net interest margin | 5.2086% | 284 |
| Noninterest income to average assets | 1.3355% | 840 |
| Noninterest expense to average assets | 3.5985% | 2,150 |
| Loan and lease loss provision to assets | 0.6557% | 3,190 |
| Net operating income to assets | 1.4747% | 705 |
| Return on assets (ROA) | 1.4747% | 771 |
| Pretax return on assets | 1.4762% | 1,245 |
| Return on Equity (ROE) | 13.2589% | 903 |
| Retained earnings to average equity (ytd only) | 2.1934% | 3,572 |
| Net charge-offs to loans | 0.5872% | 3,457 |
| Credit loss provision to net charge-offs | 149.1667% | 3,120 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,785 |
| Efficiency ratio | 62.7972% | 5,997 |
| Assets per employee ($millions) | 7.6570% | 589 |
| Cash dividends to net income (ytd only)* | 83.4575% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,289 |
| Loan loss allowance to noncurrent loans | 57.4500% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.5859% | 2,712 |
| Noncurrent loans to loans | 2.4173% | 3,138 |
| Net loans and leases to total assets | 61.4071% | 5,122 |
| Net loans and leases to deposits | 72.0926% | 5,310 |
| Net loans and leases to core deposits | 97.2326% | 4,321 |
| Total domestic deposits to total assets | 85.1780% | 3,466 |
| Equity capital to assets | 9.1590% | 4,904 |
| Core capital (leverage) ratio | 11.8739% | 1,721 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,510 |
| Total risk-based capital ratio | 15.2103% | 3,479 |
| Memoranda: | ||
| Average total assets | $136,501,200 | 4,201 |
| Average earning assets | $115,175,600 | 4,414 |
| Average equity | $15,182,200 | 4,029 |
| Average total loans | $102,177,600 | 3,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5169% | 721 |
| Cost of funding earning assets | 1.4634% | 5,985 |
| Net interest margin | 5.0536% | 405 |
| Noninterest income to average assets | 1.6145% | 566 |
| Noninterest expense to average assets | 3.6661% | 1,898 |
| Loan and lease loss provision to assets | 0.6793% | 2,703 |
| Net operating income to assets | 1.8241% | 418 |
| Return on assets (ROA) | 1.8241% | 447 |
| Pretax return on assets | 1.8262% | 758 |
| Return on Equity (ROE) | 15.4516% | 715 |
| Retained earnings to average equity (ytd only) | 5.0762% | 2,444 |
| Net charge-offs to loans | 0.6872% | 2,636 |
| Credit loss provision to net charge-offs | 124.7582% | 4,038 |
| Earnings coverage of net charge-offs (x) | 4.6015% | 3,075 |
| Efficiency ratio | 59.4027% | 6,499 |
| Assets per employee ($millions) | 6.0903% | 1,171 |
| Cash dividends to net income (ytd only)* | 67.1478% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 4,747 |
| Loan loss allowance to noncurrent loans | 57.3604% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 3.1712% | 2,142 |
| Noncurrent loans to loans | 2.1994% | 3,379 |
| Net loans and leases to total assets | 79.2092% | 1,346 |
| Net loans and leases to deposits | 96.0818% | 1,563 |
| Net loans and leases to core deposits | 145.8411% | 693 |
| Total domestic deposits to total assets | 82.4393% | 4,482 |
| Equity capital to assets | 12.2751% | 2,083 |
| Core capital (leverage) ratio | 12.1367% | 1,741 |
| Tier 1 risk-based capital ratio | 15.2816% | 2,919 |
| Total risk-based capital ratio | 16.5322% | 2,860 |
| Memoranda: | ||
| Average total assets | $126,599,000 | 4,433 |
| Average earning assets | $114,161,000 | 4,473 |
| Average equity | $14,945,250 | 4,105 |
| Average total loans | $100,305,250 | 3,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5173% | 789 |
| Cost of funding earning assets | 1.5518% | 5,920 |
| Net interest margin | 4.9655% | 469 |
| Noninterest income to average assets | 0.9248% | 1,873 |
| Noninterest expense to average assets | 3.8409% | 1,590 |
| Loan and lease loss provision to assets | 0.4753% | 3,144 |
| Net operating income to assets | 1.0698% | 1,872 |
| Return on assets (ROA) | 1.0698% | 1,951 |
| Pretax return on assets | 1.0730% | 2,725 |
| Return on Equity (ROE) | 9.1937% | 2,288 |
| Retained earnings to average equity (ytd only) | 1.9661% | 4,249 |
| Net charge-offs to loans | 0.9212% | 1,870 |
| Credit loss provision to net charge-offs | 65.4102% | 5,501 |
| Earnings coverage of net charge-offs (x) | 2.1308% | 4,006 |
| Efficiency ratio | 71.2706% | 4,542 |
| Assets per employee ($millions) | 5.7920% | 1,347 |
| Cash dividends to net income (ytd only)* | 78.6145% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,768 |
| Loan loss allowance to noncurrent loans | 46.7918% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.2584% | 1,916 |
| Noncurrent loans to loans | 2.2919% | 3,147 |
| Net loans and leases to total assets | 77.6063% | 1,840 |
| Net loans and leases to deposits | 97.6749% | 1,572 |
| Net loans and leases to core deposits | 153.4114% | 576 |
| Total domestic deposits to total assets | 79.4536% | 5,669 |
| Equity capital to assets | 12.4160% | 1,964 |
| Core capital (leverage) ratio | 12.3099% | 1,692 |
| Tier 1 risk-based capital ratio | 15.6755% | 2,742 |
| Total risk-based capital ratio | 16.7697% | 2,734 |
| Memoranda: | ||
| Average total assets | $124,136,330 | 4,526 |
| Average earning assets | $111,610,330 | 4,587 |
| Average equity | $14,444,670 | 4,209 |
| Average total loans | $97,911,670 | 4,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5761% | 747 |
| Cost of funding earning assets | 1.6215% | 5,939 |
| Net interest margin | 4.9547% | 451 |
| Noninterest income to average assets | 0.9339% | 1,724 |
| Noninterest expense to average assets | 3.8076% | 1,454 |
| Loan and lease loss provision to assets | 0.6858% | 1,845 |
| Net operating income to assets | 0.9209% | 2,612 |
| Return on assets (ROA) | 0.9209% | 2,751 |
| Pretax return on assets | 0.9209% | 3,639 |
| Return on Equity (ROE) | 8.1998% | 3,058 |
| Retained earnings to average equity (ytd only) | -0.2617% | 5,706 |
| Net charge-offs to loans | 1.4863% | 973 |
| Credit loss provision to net charge-offs | 58.3333% | 4,548 |
| Earnings coverage of net charge-offs (x) | 1.3667% | 4,051 |
| Efficiency ratio | 70.3257% | 4,508 |
| Assets per employee ($millions) | 5.4209% | 1,628 |
| Cash dividends to net income (ytd only)* | 103.1915% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 5,396 |
| Loan loss allowance to noncurrent loans | 30.8000% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 3.1520% | 1,779 |
| Noncurrent loans to loans | 3.6040% | 1,749 |
| Net loans and leases to total assets | 77.0254% | 2,034 |
| Net loans and leases to deposits | 101.5502% | 1,225 |
| Net loans and leases to core deposits | 168.8426% | 365 |
| Total domestic deposits to total assets | 75.8496% | 6,538 |
| Equity capital to assets | 11.1100% | 2,885 |
| Core capital (leverage) ratio | 10.9547% | 2,535 |
| Tier 1 risk-based capital ratio | 13.7396% | 3,723 |
| Total risk-based capital ratio | 14.8589% | 3,715 |
| Memoranda: | ||
| Average total assets | $122,492,500 | 4,586 |
| Average earning assets | $110,764,000 | 4,616 |
| Average equity | $13,756,500 | 4,389 |
| Average total loans | $96,887,000 | 4,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0091% | 1,113 |
| Cost of funding earning assets | 2.1107% | 6,001 |
| Net interest margin | 4.8984% | 633 |
| Noninterest income to average assets | 1.2598% | 927 |
| Noninterest expense to average assets | 3.7786% | 1,798 |
| Loan and lease loss provision to assets | 0.5943% | 2,450 |
| Net operating income to assets | 1.2799% | 1,540 |
| Return on assets (ROA) | 1.2799% | 1,492 |
| Pretax return on assets | 1.2833% | 2,370 |
| Return on Equity (ROE) | 11.1293% | 1,862 |
| Retained earnings to average equity (ytd only) | -2.2885% | 5,948 |
| Net charge-offs to loans | 1.1276% | 1,074 |
| Credit loss provision to net charge-offs | 67.4596% | 6,117 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 5,006 |
| Efficiency ratio | 66.8050% | 4,946 |
| Assets per employee ($millions) | 5.2306% | 1,703 |
| Cash dividends to net income (ytd only)* | 120.5632% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,986 |
| Loan loss allowance to noncurrent loans | 25.7983% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 4.1254% | 978 |
| Noncurrent loans to loans | 4.9245% | 909 |
| Net loans and leases to total assets | 79.3257% | 1,815 |
| Net loans and leases to deposits | 110.7292% | 789 |
| Net loans and leases to core deposits | 158.0419% | 620 |
| Total domestic deposits to total assets | 71.6393% | 7,071 |
| Equity capital to assets | 11.3554% | 2,744 |
| Core capital (leverage) ratio | 11.3488% | 2,339 |
| Tier 1 risk-based capital ratio | 13.3972% | 3,873 |
| Total risk-based capital ratio | 14.6389% | 3,784 |
| Memoranda: | ||
| Average total assets | $119,302,400 | 4,543 |
| Average earning assets | $107,075,200 | 4,591 |
| Average equity | $13,720,600 | 4,395 |
| Average total loans | $93,206,200 | 4,129 |