Home > Susser Bank > Performance and Condition Ratios
Susser Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2821% | 445 |
| Cost of funding earning assets | 2.8219% | 199 |
| Net interest margin | 3.4601% | 2,275 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.5833% | 2,059 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.7448% | 3,060 |
| Return on assets (ROA) | 0.7448% | 3,045 |
| Pretax return on assets | 0.9286% | 2,879 |
| Return on Equity (ROE) | 7.3200% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.3228% | 1,783 |
| Net charge-offs to loans | 0.0585% | 1,272 |
| Credit loss provision to net charge-offs | 481.1343% | 694 |
| Earnings coverage of net charge-offs (x) | 26.7905% | 1,699 |
| Efficiency ratio | 68.7591% | 2,027 |
| Assets per employee ($millions) | 9.3266% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,004 |
| Loan loss allowance to noncurrent loans | 250.7084% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 1,482 |
| Noncurrent loans to loans | 0.4992% | 1,540 |
| Net loans and leases to total assets | 67.5500% | 2,087 |
| Net loans and leases to deposits | 75.5420% | 2,496 |
| Net loans and leases to core deposits | 79.2281% | 2,758 |
| Total domestic deposits to total assets | 89.4200% | 941 |
| Equity capital to assets | 9.9267% | 2,049 |
| Core capital (leverage) ratio | 9.5736% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3313% | 2,482 |
| Memoranda: | ||
| Average total assets | $2,053,532,800 | 561 |
| Average earning assets | $1,962,430,400 | 533 |
| Average equity | $208,869,200 | 520 |
| Average total loans | $1,477,326,200 | 520 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2300% | 401 |
| Cost of funding earning assets | 2.7084% | 191 |
| Net interest margin | 3.5217% | 2,167 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6505% | 1,800 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 0.7751% | 3,096 |
| Return on assets (ROA) | 0.7751% | 3,087 |
| Pretax return on assets | 0.9683% | 2,938 |
| Return on Equity (ROE) | 7.5700% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.5682% | 2,113 |
| Net charge-offs to loans | 0.0698% | 981 |
| Credit loss provision to net charge-offs | 479.1064% | 657 |
| Earnings coverage of net charge-offs (x) | 23.8147% | 1,722 |
| Efficiency ratio | 68.6176% | 1,948 |
| Assets per employee ($millions) | 8.7229% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,046 |
| Loan loss allowance to noncurrent loans | 175.3099% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,116 |
| Noncurrent loans to loans | 0.7196% | 1,154 |
| Net loans and leases to total assets | 71.0200% | 1,696 |
| Net loans and leases to deposits | 79.4125% | 2,105 |
| Net loans and leases to core deposits | 84.8137% | 2,273 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 9.9516% | 1,857 |
| Core capital (leverage) ratio | 9.1298% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5978% | 2,710 |
| Memoranda: | ||
| Average total assets | $1,993,333,000 | 574 |
| Average earning assets | $1,903,179,750 | 549 |
| Average equity | $204,148,500 | 527 |
| Average total loans | $1,454,291,500 | 528 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9342% | 479 |
| Cost of funding earning assets | 2.4417% | 216 |
| Net interest margin | 3.4925% | 2,283 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6094% | 1,905 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 0.6962% | 3,352 |
| Return on assets (ROA) | 0.6962% | 3,355 |
| Pretax return on assets | 0.8670% | 3,243 |
| Return on Equity (ROE) | 6.7300% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.7286% | 2,372 |
| Net charge-offs to loans | 0.1043% | 662 |
| Credit loss provision to net charge-offs | 405.8981% | 729 |
| Earnings coverage of net charge-offs (x) | 15.3981% | 1,856 |
| Efficiency ratio | 68.9078% | 1,878 |
| Assets per employee ($millions) | 7.5657% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,347 |
| Loan loss allowance to noncurrent loans | 387.9450% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,006 |
| Noncurrent loans to loans | 0.3146% | 2,013 |
| Net loans and leases to total assets | 74.3700% | 1,237 |
| Net loans and leases to deposits | 83.1694% | 1,747 |
| Net loans and leases to core deposits | 89.9992% | 1,796 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 10.1431% | 1,774 |
| Core capital (leverage) ratio | 9.6042% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6401% | 2,724 |
| Memoranda: | ||
| Average total assets | $1,951,224,000 | 572 |
| Average earning assets | $1,861,544,000 | 551 |
| Average equity | $201,884,333 | 520 |
| Average total loans | $1,430,830,667 | 521 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6500% | 484 |
| Cost of funding earning assets | 2.1684% | 208 |
| Net interest margin | 3.4815% | 2,414 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5235% | 2,184 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7939% | 3,207 |
| Return on assets (ROA) | 0.7939% | 3,162 |
| Pretax return on assets | 0.9794% | 3,054 |
| Return on Equity (ROE) | 7.5900% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.5942% | 2,341 |
| Net charge-offs to loans | -0.0009% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7818% | 1,669 |
| Assets per employee ($millions) | 8.3593% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,668 |
| Loan loss allowance to noncurrent loans | 293.1235% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 1,673 |
| Noncurrent loans to loans | 0.4021% | 1,727 |
| Net loans and leases to total assets | 73.3200% | 1,288 |
| Net loans and leases to deposits | 82.5499% | 1,612 |
| Net loans and leases to core deposits | 88.5712% | 1,701 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 10.6146% | 1,506 |
| Core capital (leverage) ratio | 9.8127% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0179% | 2,725 |
| Memoranda: | ||
| Average total assets | $1,913,032,000 | 595 |
| Average earning assets | $1,823,800,000 | 573 |
| Average equity | $199,995,500 | 534 |
| Average total loans | $1,382,991,000 | 550 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 842 |
| Cost of funding earning assets | 0.9474% | 208 |
| Net interest margin | 3.4729% | 2,021 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6867% | 1,586 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.5481% | 3,994 |
| Return on assets (ROA) | 0.5481% | 3,958 |
| Pretax return on assets | 0.6801% | 3,897 |
| Return on Equity (ROE) | 4.8600% | 4,043 |
| Retained earnings to average equity (ytd only) | 4.8610% | 3,112 |
| Net charge-offs to loans | 0.0117% | 1,946 |
| Credit loss provision to net charge-offs | 3,386.0294% | 175 |
| Earnings coverage of net charge-offs (x) | 116.4779% | 898 |
| Efficiency ratio | 73.6974% | 1,242 |
| Assets per employee ($millions) | 8.3790% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,521 |
| Loan loss allowance to noncurrent loans | 254.5352% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 1,554 |
| Noncurrent loans to loans | 0.4607% | 1,557 |
| Net loans and leases to total assets | 69.6300% | 1,669 |
| Net loans and leases to deposits | 78.0940% | 1,940 |
| Net loans and leases to core deposits | 83.9805% | 1,882 |
| Total domestic deposits to total assets | 89.1700% | 1,676 |
| Equity capital to assets | 10.3026% | 1,552 |
| Core capital (leverage) ratio | 9.5224% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0138% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,652,037,200 | 651 |
| Average earning assets | $1,571,653,200 | 630 |
| Average equity | $186,258,000 | 559 |
| Average total loans | $1,162,173,600 | 598 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 1,118 |
| Cost of funding earning assets | 0.6129% | 406 |
| Net interest margin | 3.4575% | 1,786 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.7977% | 1,253 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 0.4534% | 4,165 |
| Return on assets (ROA) | 0.4534% | 4,110 |
| Pretax return on assets | 0.5662% | 4,043 |
| Return on Equity (ROE) | 3.9200% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,470 |
| Net charge-offs to loans | 0.0707% | 799 |
| Credit loss provision to net charge-offs | 745.0085% | 494 |
| Earnings coverage of net charge-offs (x) | 18.8409% | 1,741 |
| Efficiency ratio | 74.9212% | 1,180 |
| Assets per employee ($millions) | 8.0001% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,591 |
| Loan loss allowance to noncurrent loans | 1,033.1747% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,721 |
| Noncurrent loans to loans | 0.1150% | 3,070 |
| Net loans and leases to total assets | 71.4900% | 1,341 |
| Net loans and leases to deposits | 80.4382% | 1,556 |
| Net loans and leases to core deposits | 86.0548% | 1,519 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 10.7127% | 1,286 |
| Core capital (leverage) ratio | 10.0964% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8024% | 1,767 |
| Memoranda: | ||
| Average total assets | $1,585,337,500 | 683 |
| Average earning assets | $1,506,494,250 | 659 |
| Average equity | $183,401,250 | 575 |
| Average total loans | $1,114,682,500 | 613 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 1,334 |
| Cost of funding earning assets | 0.3638% | 1,164 |
| Net interest margin | 3.4265% | 1,526 |
| Noninterest income to average assets | 0.4062% | 2,719 |
| Noninterest expense to average assets | 2.9331% | 937 |
| Loan and lease loss provision to assets | 0.4104% | 141 |
| Net operating income to assets | 0.2527% | 4,358 |
| Return on assets (ROA) | 0.2527% | 4,318 |
| Pretax return on assets | 0.3166% | 4,276 |
| Return on Equity (ROE) | 2.1235% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.1235% | 3,717 |
| Net charge-offs to loans | 0.0200% | 1,333 |
| Credit loss provision to net charge-offs | 2,950.9434% | 188 |
| Earnings coverage of net charge-offs (x) | 52.2736% | 1,143 |
| Efficiency ratio | 80.1384% | 935 |
| Assets per employee ($millions) | 7.1794% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,576 |
| Loan loss allowance to noncurrent loans | 737.7880% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,491 |
| Noncurrent loans to loans | 0.1656% | 2,865 |
| Net loans and leases to total assets | 74.0946% | 912 |
| Net loans and leases to deposits | 84.3638% | 1,097 |
| Net loans and leases to core deposits | 89.6289% | 1,143 |
| Total domestic deposits to total assets | 87.8275% | 2,642 |
| Equity capital to assets | 11.8444% | 926 |
| Core capital (leverage) ratio | 10.9787% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5047% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,524,443,000 | 689 |
| Average earning assets | $1,447,669,000 | 678 |
| Average equity | $181,401,000 | 588 |
| Average total loans | $1,059,876,667 | 630 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 1,481 |
| Cost of funding earning assets | 0.2589% | 2,057 |
| Net interest margin | 3.3518% | 1,434 |
| Noninterest income to average assets | 0.3935% | 2,732 |
| Noninterest expense to average assets | 2.9158% | 930 |
| Loan and lease loss provision to assets | 0.2866% | 215 |
| Net operating income to assets | 0.3028% | 4,137 |
| Return on assets (ROA) | 0.3028% | 4,110 |
| Pretax return on assets | 0.3769% | 4,073 |
| Return on Equity (ROE) | 2.5387% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.5387% | 3,402 |
| Net charge-offs to loans | -0.0008% | 3,000 |
| Credit loss provision to net charge-offs | -53,750.0000% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4627% | 1,031 |
| Assets per employee ($millions) | 7.3452% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,787 |
| Loan loss allowance to noncurrent loans | 361.5608% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,313 |
| Noncurrent loans to loans | 0.3356% | 2,282 |
| Net loans and leases to total assets | 65.7861% | 1,429 |
| Net loans and leases to deposits | 74.5454% | 1,556 |
| Net loans and leases to core deposits | 77.8482% | 1,627 |
| Total domestic deposits to total assets | 88.2496% | 2,412 |
| Equity capital to assets | 11.5369% | 1,113 |
| Core capital (leverage) ratio | 10.8620% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9446% | 2,236 |
| Memoranda: | ||
| Average total assets | $1,500,525,000 | 697 |
| Average earning assets | $1,426,214,500 | 685 |
| Average equity | $178,988,000 | 605 |
| Average total loans | $1,000,123,500 | 669 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 1,463 |
| Cost of funding earning assets | 0.3895% | 1,614 |
| Net interest margin | 3.5688% | 1,554 |
| Noninterest income to average assets | 0.8420% | 1,339 |
| Noninterest expense to average assets | 3.2471% | 678 |
| Loan and lease loss provision to assets | 0.1157% | 1,085 |
| Net operating income to assets | 0.6766% | 3,680 |
| Return on assets (ROA) | 0.6766% | 3,730 |
| Pretax return on assets | 0.8478% | 3,633 |
| Return on Equity (ROE) | 5.6880% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.6880% | 2,482 |
| Net charge-offs to loans | -0.0001% | 3,203 |
| Credit loss provision to net charge-offs | -155,000.0000% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1175% | 1,017 |
| Assets per employee ($millions) | 7.2566% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,020 |
| Loan loss allowance to noncurrent loans | 467.7896% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,767 |
| Noncurrent loans to loans | 0.2501% | 2,727 |
| Net loans and leases to total assets | 65.9318% | 1,475 |
| Net loans and leases to deposits | 78.6413% | 1,336 |
| Net loans and leases to core deposits | 82.7084% | 1,406 |
| Total domestic deposits to total assets | 83.8387% | 3,606 |
| Equity capital to assets | 12.3423% | 1,111 |
| Core capital (leverage) ratio | 11.5340% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3330% | 1,730 |
| Memoranda: | ||
| Average total assets | $1,339,719,000 | 746 |
| Average earning assets | $1,264,540,800 | 734 |
| Average equity | $159,354,400 | 677 |
| Average total loans | $943,100,800 | 696 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 1,470 |
| Cost of funding earning assets | 0.4319% | 1,473 |
| Net interest margin | 3.5977% | 1,602 |
| Noninterest income to average assets | 0.9850% | 1,094 |
| Noninterest expense to average assets | 3.3548% | 571 |
| Loan and lease loss provision to assets | 0.1069% | 1,132 |
| Net operating income to assets | 0.7245% | 3,709 |
| Return on assets (ROA) | 0.7245% | 3,772 |
| Pretax return on assets | 0.9107% | 3,671 |
| Return on Equity (ROE) | 6.1551% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,759 |
| Net charge-offs to loans | -0.0004% | 3,076 |
| Credit loss provision to net charge-offs | -35,000.0000% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7272% | 983 |
| Assets per employee ($millions) | 6.4844% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,152 |
| Loan loss allowance to noncurrent loans | 540.6157% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 3,086 |
| Noncurrent loans to loans | 0.2150% | 3,091 |
| Net loans and leases to total assets | 71.0507% | 982 |
| Net loans and leases to deposits | 84.9150% | 895 |
| Net loans and leases to core deposits | 89.9868% | 1,035 |
| Total domestic deposits to total assets | 83.6728% | 3,548 |
| Equity capital to assets | 12.1230% | 1,343 |
| Core capital (leverage) ratio | 9.8414% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5432% | 2,149 |
| Memoranda: | ||
| Average total assets | $1,310,006,750 | 768 |
| Average earning assets | $1,233,414,000 | 763 |
| Average equity | $154,187,750 | 708 |
| Average total loans | $935,614,500 | 714 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 1,309 |
| Cost of funding earning assets | 0.4711% | 1,375 |
| Net interest margin | 3.6513% | 1,463 |
| Noninterest income to average assets | 1.1308% | 885 |
| Noninterest expense to average assets | 3.4616% | 494 |
| Loan and lease loss provision to assets | 0.1219% | 1,037 |
| Net operating income to assets | 0.7813% | 3,562 |
| Return on assets (ROA) | 0.7813% | 3,627 |
| Pretax return on assets | 0.9825% | 3,482 |
| Return on Equity (ROE) | 6.7044% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.7044% | 2,537 |
| Net charge-offs to loans | -0.0032% | 3,305 |
| Credit loss provision to net charge-offs | -5,333.3333% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8128% | 1,099 |
| Assets per employee ($millions) | 6.5025% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 3,196 |
| Loan loss allowance to noncurrent loans | 495.8101% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,173 |
| Noncurrent loans to loans | 0.2319% | 3,124 |
| Net loans and leases to total assets | 69.3713% | 1,278 |
| Net loans and leases to deposits | 82.6730% | 1,153 |
| Net loans and leases to core deposits | 89.1641% | 1,196 |
| Total domestic deposits to total assets | 83.9104% | 3,471 |
| Equity capital to assets | 11.7896% | 1,465 |
| Core capital (leverage) ratio | 9.6398% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5088% | 1,801 |
| Memoranda: | ||
| Average total assets | $1,312,221,333 | 765 |
| Average earning assets | $1,234,558,333 | 759 |
| Average equity | $152,914,667 | 710 |
| Average total loans | $935,173,667 | 717 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 1,227 |
| Cost of funding earning assets | 0.5302% | 1,202 |
| Net interest margin | 3.6535% | 1,440 |
| Noninterest income to average assets | 1.4455% | 645 |
| Noninterest expense to average assets | 3.3872% | 530 |
| Loan and lease loss provision to assets | 0.1529% | 846 |
| Net operating income to assets | 1.0664% | 2,584 |
| Return on assets (ROA) | 1.0664% | 2,662 |
| Pretax return on assets | 1.3416% | 2,455 |
| Return on Equity (ROE) | 9.2056% | 2,962 |
| Retained earnings to average equity (ytd only) | 9.2056% | 1,888 |
| Net charge-offs to loans | -0.0017% | 3,103 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3869% | 1,772 |
| Assets per employee ($millions) | 6.9680% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,484 |
| Loan loss allowance to noncurrent loans | 367.5435% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,127 |
| Noncurrent loans to loans | 0.2966% | 3,036 |
| Net loans and leases to total assets | 68.6935% | 1,444 |
| Net loans and leases to deposits | 84.6729% | 1,078 |
| Net loans and leases to core deposits | 91.9966% | 1,117 |
| Total domestic deposits to total assets | 81.1280% | 4,047 |
| Equity capital to assets | 11.2298% | 1,698 |
| Core capital (leverage) ratio | 9.4806% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3016% | 1,218 |
| Memoranda: | ||
| Average total assets | $1,308,324,500 | 761 |
| Average earning assets | $1,230,503,000 | 751 |
| Average equity | $151,560,000 | 705 |
| Average total loans | $939,580,000 | 710 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 609 |
| Cost of funding earning assets | 1.0237% | 542 |
| Net interest margin | 3.8649% | 1,319 |
| Noninterest income to average assets | 1.7503% | 408 |
| Noninterest expense to average assets | 3.7560% | 484 |
| Loan and lease loss provision to assets | 0.5276% | 441 |
| Net operating income to assets | 0.8277% | 2,988 |
| Return on assets (ROA) | 0.8277% | 3,112 |
| Pretax return on assets | 1.0501% | 2,879 |
| Return on Equity (ROE) | 6.4908% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.4908% | 1,595 |
| Net charge-offs to loans | 0.0047% | 3,186 |
| Credit loss provision to net charge-offs | 14,147.6190% | 72 |
| Earnings coverage of net charge-offs (x) | 423.0714% | 266 |
| Efficiency ratio | 70.4200% | 1,892 |
| Assets per employee ($millions) | 6.7617% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,651 |
| Loan loss allowance to noncurrent loans | 338.0887% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 3,126 |
| Noncurrent loans to loans | 0.3126% | 3,081 |
| Net loans and leases to total assets | 73.6114% | 1,077 |
| Net loans and leases to deposits | 95.0904% | 593 |
| Net loans and leases to core deposits | 105.5760% | 664 |
| Total domestic deposits to total assets | 77.4120% | 4,373 |
| Equity capital to assets | 11.9713% | 1,583 |
| Core capital (leverage) ratio | 9.9640% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0745% | 1,246 |
| Memoranda: | ||
| Average total assets | $1,126,257,400 | 794 |
| Average earning assets | $1,044,231,600 | 791 |
| Average equity | $143,617,600 | 701 |
| Average total loans | $886,737,400 | 727 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1841% | 429 |
| Cost of funding earning assets | 1.1694% | 414 |
| Net interest margin | 4.0147% | 1,083 |
| Noninterest income to average assets | 1.6525% | 438 |
| Noninterest expense to average assets | 3.6820% | 549 |
| Loan and lease loss provision to assets | 0.6686% | 344 |
| Net operating income to assets | 0.8050% | 3,069 |
| Return on assets (ROA) | 0.8050% | 3,188 |
| Pretax return on assets | 1.0112% | 3,029 |
| Return on Equity (ROE) | 6.2046% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.2046% | 2,017 |
| Net charge-offs to loans | 0.0002% | 3,241 |
| Credit loss provision to net charge-offs | 549,200.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 13,797.0000% | 5 |
| Efficiency ratio | 68.6710% | 2,090 |
| Assets per employee ($millions) | 6.2535% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,697 |
| Loan loss allowance to noncurrent loans | 501.3830% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,656 |
| Noncurrent loans to loans | 0.1999% | 3,590 |
| Net loans and leases to total assets | 75.1983% | 1,207 |
| Net loans and leases to deposits | 95.2354% | 823 |
| Net loans and leases to core deposits | 106.6390% | 825 |
| Total domestic deposits to total assets | 78.9605% | 4,064 |
| Equity capital to assets | 11.8438% | 1,771 |
| Core capital (leverage) ratio | 10.3990% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6830% | 1,330 |
| Memoranda: | ||
| Average total assets | $1,095,091,250 | 798 |
| Average earning assets | $1,011,793,000 | 801 |
| Average equity | $142,084,250 | 698 |
| Average total loans | $875,757,750 | 726 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5986% | 278 |
| Cost of funding earning assets | 1.3794% | 243 |
| Net interest margin | 4.2191% | 885 |
| Noninterest income to average assets | 1.4453% | 501 |
| Noninterest expense to average assets | 3.7520% | 534 |
| Loan and lease loss provision to assets | 0.7623% | 332 |
| Net operating income to assets | 0.6481% | 3,588 |
| Return on assets (ROA) | 0.6481% | 3,676 |
| Pretax return on assets | 0.8085% | 3,562 |
| Return on Equity (ROE) | 4.8292% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.8292% | 2,555 |
| Net charge-offs to loans | -0.0007% | 3,735 |
| Credit loss provision to net charge-offs | -133,066.6667% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4897% | 1,889 |
| Assets per employee ($millions) | 5.6022% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,266 |
| Loan loss allowance to noncurrent loans | 359.4742% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 3,580 |
| Noncurrent loans to loans | 0.2301% | 3,550 |
| Net loans and leases to total assets | 81.9729% | 417 |
| Net loans and leases to deposits | 106.6712% | 305 |
| Net loans and leases to core deposits | 122.4398% | 371 |
| Total domestic deposits to total assets | 76.8464% | 4,333 |
| Equity capital to assets | 12.3551% | 1,451 |
| Core capital (leverage) ratio | 9.7100% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3634% | 1,674 |
| Memoranda: | ||
| Average total assets | $1,047,390,667 | 814 |
| Average earning assets | $962,567,000 | 818 |
| Average equity | $140,562,667 | 697 |
| Average total loans | $854,168,333 | 732 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6268% | 284 |
| Cost of funding earning assets | 1.6443% | 162 |
| Net interest margin | 3.9825% | 1,433 |
| Noninterest income to average assets | 0.9967% | 864 |
| Noninterest expense to average assets | 3.8202% | 606 |
| Loan and lease loss provision to assets | 1.0056% | 212 |
| Net operating income to assets | -0.1517% | 4,828 |
| Return on assets (ROA) | -0.1517% | 4,807 |
| Pretax return on assets | -0.1905% | 4,805 |
| Return on Equity (ROE) | -1.0804% | 4,805 |
| Retained earnings to average equity (ytd only) | -1.0804% | 4,152 |
| Net charge-offs to loans | -0.0010% | 3,607 |
| Credit loss provision to net charge-offs | -124,600.0000% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4149% | 947 |
| Assets per employee ($millions) | 4.6092% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,410 |
| Loan loss allowance to noncurrent loans | 300.4206% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 3,628 |
| Noncurrent loans to loans | 0.2666% | 3,538 |
| Net loans and leases to total assets | 78.8781% | 844 |
| Net loans and leases to deposits | 96.1340% | 894 |
| Net loans and leases to core deposits | 111.8128% | 764 |
| Total domestic deposits to total assets | 82.0502% | 3,411 |
| Equity capital to assets | 13.7902% | 1,126 |
| Core capital (leverage) ratio | 11.2362% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4757% | 2,487 |
| Memoranda: | ||
| Average total assets | $991,263,000 | 826 |
| Average earning assets | $905,664,000 | 836 |
| Average equity | $139,206,500 | 696 |
| Average total loans | $801,989,500 | 750 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 177 |
| Cost of funding earning assets | 1.6884% | 201 |
| Net interest margin | 4.4707% | 763 |
| Noninterest income to average assets | 1.2248% | 625 |
| Noninterest expense to average assets | 4.0044% | 527 |
| Loan and lease loss provision to assets | 0.2621% | 688 |
| Net operating income to assets | 0.8642% | 3,343 |
| Return on assets (ROA) | 0.8642% | 3,433 |
| Pretax return on assets | 1.0656% | 3,281 |
| Return on Equity (ROE) | 6.1429% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.1429% | 1,797 |
| Net charge-offs to loans | 0.0061% | 3,455 |
| Credit loss provision to net charge-offs | 5,068.8889% | 87 |
| Earnings coverage of net charge-offs (x) | 256.7778% | 319 |
| Efficiency ratio | 75.1007% | 1,472 |
| Assets per employee ($millions) | 4.6338% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4911% | 4,897 |
| Loan loss allowance to noncurrent loans | 167.5181% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,474 |
| Noncurrent loans to loans | 0.2931% | 3,378 |
| Net loans and leases to total assets | 81.9441% | 565 |
| Net loans and leases to deposits | 98.2515% | 739 |
| Net loans and leases to core deposits | 115.9763% | 600 |
| Total domestic deposits to total assets | 83.4024% | 3,068 |
| Equity capital to assets | 14.3059% | 999 |
| Core capital (leverage) ratio | 11.4390% | 2,155 |
| Tier 1 risk-based capital ratio | 12.4981% | 4,067 |
| Total risk-based capital ratio | 12.9603% | 4,404 |
| Memoranda: | ||
| Average total assets | $870,333,200 | 905 |
| Average earning assets | $799,575,800 | 907 |
| Average equity | $122,434,400 | 746 |
| Average total loans | $732,684,200 | 778 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 161 |
| Cost of funding earning assets | 1.6645% | 229 |
| Net interest margin | 4.5846% | 635 |
| Noninterest income to average assets | 1.1605% | 680 |
| Noninterest expense to average assets | 4.0801% | 482 |
| Loan and lease loss provision to assets | 0.2654% | 588 |
| Net operating income to assets | 0.8212% | 3,603 |
| Return on assets (ROA) | 0.8212% | 3,688 |
| Pretax return on assets | 1.0199% | 3,527 |
| Return on Equity (ROE) | 5.8659% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,431 |
| Net charge-offs to loans | 0.0007% | 3,438 |
| Credit loss provision to net charge-offs | 42,025.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 2,036.7223% | 34 |
| Efficiency ratio | 76.0452% | 1,324 |
| Assets per employee ($millions) | 4.5266% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4293% | 5,040 |
| Loan loss allowance to noncurrent loans | 10,890.3226% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,392 |
| Noncurrent loans to loans | 0.0039% | 4,673 |
| Net loans and leases to total assets | 82.3765% | 519 |
| Net loans and leases to deposits | 98.8099% | 738 |
| Net loans and leases to core deposits | 118.2525% | 589 |
| Total domestic deposits to total assets | 83.3687% | 3,034 |
| Equity capital to assets | 14.3670% | 1,017 |
| Core capital (leverage) ratio | 11.8776% | 1,938 |
| Tier 1 risk-based capital ratio | 12.5511% | 4,112 |
| Total risk-based capital ratio | 12.9603% | 4,466 |
| Memoranda: | ||
| Average total assets | $844,639,750 | 933 |
| Average earning assets | $774,660,250 | 935 |
| Average equity | $118,240,000 | 767 |
| Average total loans | $715,520,500 | 796 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3271% | 144 |
| Cost of funding earning assets | 1.5986% | 272 |
| Net interest margin | 4.7285% | 468 |
| Noninterest income to average assets | 1.0243% | 833 |
| Noninterest expense to average assets | 4.0451% | 503 |
| Loan and lease loss provision to assets | 0.2671% | 563 |
| Net operating income to assets | 0.8232% | 3,573 |
| Return on assets (ROA) | 0.8232% | 3,629 |
| Pretax return on assets | 1.0357% | 3,429 |
| Return on Equity (ROE) | 5.9413% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9413% | 2,304 |
| Net charge-offs to loans | -0.0006% | 3,876 |
| Credit loss provision to net charge-offs | -54,050.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6388% | 1,442 |
| Assets per employee ($millions) | 4.2604% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3679% | 5,136 |
| Loan loss allowance to noncurrent loans | 557.5150% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,133 |
| Noncurrent loans to loans | 0.0660% | 4,386 |
| Net loans and leases to total assets | 85.8380% | 228 |
| Net loans and leases to deposits | 105.8950% | 346 |
| Net loans and leases to core deposits | 128.7860% | 344 |
| Total domestic deposits to total assets | 81.0595% | 3,789 |
| Equity capital to assets | 13.0249% | 1,576 |
| Core capital (leverage) ratio | 10.1328% | 3,472 |
| Tier 1 risk-based capital ratio | 10.2646% | 5,180 |
| Total risk-based capital ratio | 10.6162% | 5,274 |
| Memoranda: | ||
| Average total assets | $809,326,330 | 966 |
| Average earning assets | $740,020,000 | 973 |
| Average equity | $112,130,000 | 807 |
| Average total loans | $691,883,670 | 822 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 145 |
| Cost of funding earning assets | 1.4867% | 339 |
| Net interest margin | 4.7703% | 433 |
| Noninterest income to average assets | 0.7895% | 1,319 |
| Noninterest expense to average assets | 4.0043% | 537 |
| Loan and lease loss provision to assets | 0.2657% | 528 |
| Net operating income to assets | 0.6791% | 4,006 |
| Return on assets (ROA) | 0.6791% | 4,044 |
| Pretax return on assets | 0.8674% | 3,871 |
| Return on Equity (ROE) | 4.7407% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.7407% | 3,027 |
| Net charge-offs to loans | 0.0006% | 2,734 |
| Credit loss provision to net charge-offs | 51,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,196.0000% | 13 |
| Efficiency ratio | 77.9429% | 1,272 |
| Assets per employee ($millions) | 3.9932% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3283% | 5,226 |
| Loan loss allowance to noncurrent loans | 5,029.5455% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 4,227 |
| Noncurrent loans to loans | 0.0065% | 4,771 |
| Net loans and leases to total assets | 84.1195% | 362 |
| Net loans and leases to deposits | 111.3358% | 187 |
| Net loans and leases to core deposits | 131.9762% | 284 |
| Total domestic deposits to total assets | 75.5548% | 4,811 |
| Equity capital to assets | 14.0068% | 1,037 |
| Core capital (leverage) ratio | 10.4755% | 3,074 |
| Tier 1 risk-based capital ratio | 11.1984% | 4,882 |
| Total risk-based capital ratio | 11.5194% | 5,171 |
| Memoranda: | ||
| Average total assets | $775,167,000 | 1,002 |
| Average earning assets | $706,532,000 | 1,008 |
| Average equity | $111,039,000 | 802 |
| Average total loans | $659,758,000 | 853 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2486% | 5,115 |
| Cost of funding earning assets | 0.6158% | 2,615 |
| Net interest margin | 2.6328% | 5,138 |
| Noninterest income to average assets | 0.6191% | 2,195 |
| Noninterest expense to average assets | 2.1877% | 4,367 |
| Loan and lease loss provision to assets | 0.2583% | 658 |
| Net operating income to assets | 0.4964% | 4,667 |
| Return on assets (ROA) | 0.4964% | 4,672 |
| Pretax return on assets | 0.6394% | 4,563 |
| Return on Equity (ROE) | 4.1147% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.1147% | 3,296 |
| Net charge-offs to loans | 0.0127% | 3,263 |
| Credit loss provision to net charge-offs | 2,306.4935% | 198 |
| Earnings coverage of net charge-offs (x) | 80.1558% | 859 |
| Efficiency ratio | 70.9060% | 2,054 |
| Assets per employee ($millions) | 3.8157% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2632% | 5,303 |
| Loan loss allowance to noncurrent loans | 234.9931% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,239 |
| Noncurrent loans to loans | 0.1120% | 4,229 |
| Net loans and leases to total assets | 85.6455% | 260 |
| Net loans and leases to deposits | 110.7613% | 231 |
| Net loans and leases to core deposits | 132.1491% | 284 |
| Total domestic deposits to total assets | 77.3244% | 4,584 |
| Equity capital to assets | 14.6621% | 792 |
| Core capital (leverage) ratio | 10.9124% | 2,609 |
| Tier 1 risk-based capital ratio | 11.8768% | 4,514 |
| Total risk-based capital ratio | 12.1453% | 4,910 |
| Memoranda: | ||
| Average total assets | $687,556,600 | 1,073 |
| Average earning assets | $644,070,800 | 1,058 |
| Average equity | $82,946,800 | 995 |
| Average total loans | $607,750,800 | 883 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0895% | 5,437 |
| Cost of funding earning assets | 0.3909% | 3,927 |
| Net interest margin | 1.6986% | 5,433 |
| Noninterest income to average assets | 0.4925% | 2,915 |
| Noninterest expense to average assets | 1.5041% | 5,276 |
| Loan and lease loss provision to assets | 0.1528% | 1,288 |
| Net operating income to assets | 0.3388% | 5,046 |
| Return on assets (ROA) | 0.3388% | 5,042 |
| Pretax return on assets | 0.4383% | 4,989 |
| Return on Equity (ROE) | 2.9835% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.9835% | 4,244 |
| Net charge-offs to loans | 0.0004% | 3,479 |
| Credit loss provision to net charge-offs | 38,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,487.1049% | 49 |
| Efficiency ratio | 71.7859% | 1,922 |
| Assets per employee ($millions) | 3.6628% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1259% | 5,412 |
| Loan loss allowance to noncurrent loans | 86.8778% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,487 |
| Noncurrent loans to loans | 0.1450% | 4,238 |
| Net loans and leases to total assets | 84.8362% | 372 |
| Net loans and leases to deposits | 108.3691% | 340 |
| Net loans and leases to core deposits | 127.6449% | 378 |
| Total domestic deposits to total assets | 78.2844% | 4,443 |
| Equity capital to assets | 15.1850% | 679 |
| Core capital (leverage) ratio | 11.4235% | 2,227 |
| Tier 1 risk-based capital ratio | 13.1212% | 3,837 |
| Total risk-based capital ratio | 13.2573% | 4,383 |
| Memoranda: | ||
| Average total assets | $671,677,750 | 1,091 |
| Average earning assets | $633,759,750 | 1,072 |
| Average equity | $76,284,000 | 1,067 |
| Average total loans | $598,980,500 | 896 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7001% | 235 |
| Cost of funding earning assets | 1.2298% | 161 |
| Net interest margin | 4.4703% | 735 |
| Noninterest income to average assets | 1.3059% | 564 |
| Noninterest expense to average assets | 4.3406% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9713% | 3,136 |
| Return on assets (ROA) | 0.9713% | 3,139 |
| Pretax return on assets | 1.2370% | 2,779 |
| Return on Equity (ROE) | 9.7502% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.7502% | 999 |
| Net charge-offs to loans | 0.1337% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.1985% | 2,346 |
| Efficiency ratio | 77.8221% | 1,215 |
| Assets per employee ($millions) | 3.1070% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,343 |
| Loan loss allowance to noncurrent loans | 907.4419% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,823 |
| Noncurrent loans to loans | 0.1396% | 4,274 |
| Net loans and leases to total assets | 89.7959% | 75 |
| Net loans and leases to deposits | 114.2485% | 192 |
| Net loans and leases to core deposits | 131.2163% | 310 |
| Total domestic deposits to total assets | 78.5970% | 4,490 |
| Equity capital to assets | 9.8905% | 3,729 |
| Core capital (leverage) ratio | 10.1312% | 3,445 |
| Tier 1 risk-based capital ratio | 11.4685% | 4,797 |
| Total risk-based capital ratio | 12.7196% | 4,702 |
| Memoranda: | ||
| Average total assets | $656,264,330 | 1,115 |
| Average earning assets | $627,115,670 | 1,082 |
| Average equity | $65,373,330 | 1,229 |
| Average total loans | $595,366,670 | 895 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 253 |
| Cost of funding earning assets | 1.1231% | 201 |
| Net interest margin | 4.4281% | 723 |
| Noninterest income to average assets | 1.2463% | 599 |
| Noninterest expense to average assets | 4.2872% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9422% | 3,101 |
| Return on assets (ROA) | 0.9422% | 3,116 |
| Pretax return on assets | 1.1968% | 2,764 |
| Return on Equity (ROE) | 9.4231% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.4231% | 1,320 |
| Net charge-offs to loans | 0.0041% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 208 |
| Efficiency ratio | 78.1769% | 1,338 |
| Assets per employee ($millions) | 3.2728% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,831 |
| Loan loss allowance to noncurrent loans | 179.9341% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 1,656 |
| Noncurrent loans to loans | 0.7797% | 2,253 |
| Net loans and leases to total assets | 85.8559% | 271 |
| Net loans and leases to deposits | 124.8443% | 69 |
| Net loans and leases to core deposits | 145.1140% | 164 |
| Total domestic deposits to total assets | 68.7704% | 5,395 |
| Equity capital to assets | 9.7365% | 3,852 |
| Core capital (leverage) ratio | 10.3762% | 3,091 |
| Tier 1 risk-based capital ratio | 11.8281% | 4,665 |
| Total risk-based capital ratio | 13.0809% | 4,549 |
| Memoranda: | ||
| Average total assets | $645,733,500 | 1,142 |
| Average earning assets | $617,957,000 | 1,105 |
| Average equity | $64,564,500 | 1,249 |
| Average total loans | $585,042,500 | 920 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6631% | 207 |
| Cost of funding earning assets | 0.8359% | 514 |
| Net interest margin | 4.8272% | 331 |
| Noninterest income to average assets | 1.5511% | 436 |
| Noninterest expense to average assets | 4.1456% | 451 |
| Loan and lease loss provision to assets | 0.2136% | 932 |
| Net operating income to assets | 1.0513% | 2,045 |
| Return on assets (ROA) | 1.0513% | 2,075 |
| Pretax return on assets | 1.8159% | 764 |
| Return on Equity (ROE) | 10.4780% | 1,685 |
| Retained earnings to average equity (ytd only) | 4.0909% | 2,716 |
| Net charge-offs to loans | 0.1605% | 1,519 |
| Credit loss provision to net charge-offs | 145.0490% | 1,832 |
| Earnings coverage of net charge-offs (x) | 13.7845% | 2,370 |
| Efficiency ratio | 67.1345% | 3,058 |
| Assets per employee ($millions) | 3.2833% | 4,950 |
| Cash dividends to net income (ytd only)* | 60.9570% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,768 |
| Loan loss allowance to noncurrent loans | 211.8832% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 1,688 |
| Noncurrent loans to loans | 0.6607% | 2,562 |
| Net loans and leases to total assets | 93.0894% | 19 |
| Net loans and leases to deposits | 136.8398% | 28 |
| Net loans and leases to core deposits | 162.6379% | 81 |
| Total domestic deposits to total assets | 68.0280% | 5,475 |
| Equity capital to assets | 10.2821% | 3,403 |
| Core capital (leverage) ratio | 10.5837% | 2,756 |
| Tier 1 risk-based capital ratio | 11.6507% | 4,754 |
| Total risk-based capital ratio | 12.9038% | 4,635 |
| Memoranda: | ||
| Average total assets | $624,198,000 | 1,159 |
| Average earning assets | $597,923,200 | 1,118 |
| Average equity | $62,626,200 | 1,265 |
| Average total loans | $572,535,600 | 902 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 218 |
| Cost of funding earning assets | 0.7988% | 582 |
| Net interest margin | 4.8068% | 327 |
| Noninterest income to average assets | 1.4698% | 496 |
| Noninterest expense to average assets | 4.0873% | 469 |
| Loan and lease loss provision to assets | 0.1920% | 1,005 |
| Net operating income to assets | 1.1752% | 1,792 |
| Return on assets (ROA) | 1.1752% | 1,832 |
| Pretax return on assets | 1.7972% | 898 |
| Return on Equity (ROE) | 11.7861% | 1,401 |
| Retained earnings to average equity (ytd only) | 5.3690% | 2,630 |
| Net charge-offs to loans | 0.2209% | 982 |
| Credit loss provision to net charge-offs | 95.4401% | 2,382 |
| Earnings coverage of net charge-offs (x) | 9.8897% | 2,651 |
| Efficiency ratio | 67.2646% | 3,005 |
| Assets per employee ($millions) | 3.2992% | 4,967 |
| Cash dividends to net income (ytd only)* | 54.4465% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,997 |
| Loan loss allowance to noncurrent loans | 212.4246% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 1,756 |
| Noncurrent loans to loans | 0.6475% | 2,773 |
| Net loans and leases to total assets | 90.0197% | 82 |
| Net loans and leases to deposits | 125.1239% | 61 |
| Net loans and leases to core deposits | 147.0714% | 138 |
| Total domestic deposits to total assets | 71.9444% | 5,384 |
| Equity capital to assets | 10.3132% | 3,579 |
| Core capital (leverage) ratio | 10.7496% | 2,706 |
| Tier 1 risk-based capital ratio | 12.0497% | 4,573 |
| Total risk-based capital ratio | 13.3025% | 4,465 |
| Memoranda: | ||
| Average total assets | $625,113,250 | 1,162 |
| Average earning assets | $599,084,250 | 1,123 |
| Average equity | $62,331,750 | 1,275 |
| Average total loans | $569,205,500 | 899 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 219 |
| Cost of funding earning assets | 0.7713% | 611 |
| Net interest margin | 4.8091% | 317 |
| Noninterest income to average assets | 1.5743% | 443 |
| Noninterest expense to average assets | 4.1438% | 441 |
| Loan and lease loss provision to assets | 0.1911% | 973 |
| Net operating income to assets | 1.2096% | 1,563 |
| Return on assets (ROA) | 1.2096% | 1,600 |
| Pretax return on assets | 1.8495% | 748 |
| Return on Equity (ROE) | 12.2682% | 1,218 |
| Retained earnings to average equity (ytd only) | 5.8062% | 2,228 |
| Net charge-offs to loans | 0.3274% | 615 |
| Credit loss provision to net charge-offs | 64.1711% | 2,427 |
| Earnings coverage of net charge-offs (x) | 6.8513% | 2,663 |
| Efficiency ratio | 67.0032% | 3,182 |
| Assets per employee ($millions) | 3.0249% | 5,248 |
| Cash dividends to net income (ytd only)* | 52.6732% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,300 |
| Loan loss allowance to noncurrent loans | 299.3173% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 2,399 |
| Noncurrent loans to loans | 0.4423% | 3,426 |
| Net loans and leases to total assets | 90.0132% | 75 |
| Net loans and leases to deposits | 127.3965% | 51 |
| Net loans and leases to core deposits | 148.9801% | 128 |
| Total domestic deposits to total assets | 70.6560% | 5,516 |
| Equity capital to assets | 10.1957% | 3,671 |
| Core capital (leverage) ratio | 10.4613% | 2,959 |
| Tier 1 risk-based capital ratio | 11.9201% | 4,685 |
| Total risk-based capital ratio | 13.1720% | 4,582 |
| Memoranda: | ||
| Average total assets | $627,833,000 | 1,159 |
| Average earning assets | $601,863,670 | 1,123 |
| Average equity | $61,899,670 | 1,284 |
| Average total loans | $571,232,330 | 904 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 229 |
| Cost of funding earning assets | 0.7261% | 738 |
| Net interest margin | 4.7646% | 328 |
| Noninterest income to average assets | 1.6791% | 401 |
| Noninterest expense to average assets | 4.0372% | 520 |
| Loan and lease loss provision to assets | 0.1895% | 886 |
| Net operating income to assets | 1.3266% | 1,173 |
| Return on assets (ROA) | 1.3266% | 1,206 |
| Pretax return on assets | 2.0246% | 484 |
| Return on Equity (ROE) | 13.6826% | 865 |
| Retained earnings to average equity (ytd only) | 7.1671% | 1,797 |
| Net charge-offs to loans | 0.5527% | 322 |
| Credit loss provision to net charge-offs | 37.7358% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.4088% | 2,392 |
| Efficiency ratio | 64.5816% | 3,733 |
| Assets per employee ($millions) | 3.3292% | 5,019 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,613 |
| Loan loss allowance to noncurrent loans | 184.9138% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 1,801 |
| Noncurrent loans to loans | 0.6947% | 2,763 |
| Net loans and leases to total assets | 89.5459% | 69 |
| Net loans and leases to deposits | 125.6573% | 53 |
| Net loans and leases to core deposits | 147.3004% | 116 |
| Total domestic deposits to total assets | 71.2620% | 5,583 |
| Equity capital to assets | 9.8966% | 3,877 |
| Core capital (leverage) ratio | 10.1763% | 3,267 |
| Tier 1 risk-based capital ratio | 11.4282% | 5,076 |
| Total risk-based capital ratio | 12.6793% | 4,973 |
| Memoranda: | ||
| Average total assets | $633,211,500 | 1,155 |
| Average earning assets | $607,653,500 | 1,116 |
| Average equity | $61,392,000 | 1,295 |
| Average total loans | $575,397,000 | 903 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 217 |
| Cost of funding earning assets | 0.6949% | 831 |
| Net interest margin | 4.9076% | 289 |
| Noninterest income to average assets | 1.6445% | 444 |
| Noninterest expense to average assets | 4.1207% | 520 |
| Loan and lease loss provision to assets | 0.2480% | 848 |
| Net operating income to assets | 1.2880% | 1,239 |
| Return on assets (ROA) | 1.2880% | 1,314 |
| Pretax return on assets | 1.9832% | 521 |
| Return on Equity (ROE) | 13.6961% | 822 |
| Retained earnings to average equity (ytd only) | 6.6626% | 1,377 |
| Net charge-offs to loans | 0.0284% | 3,457 |
| Credit loss provision to net charge-offs | 967.7419% | 396 |
| Earnings coverage of net charge-offs (x) | 87.0516% | 671 |
| Efficiency ratio | 64.8730% | 3,784 |
| Assets per employee ($millions) | 3.3536% | 4,972 |
| Cash dividends to net income (ytd only)* | 51.3545% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,356 |
| Loan loss allowance to noncurrent loans | 151.0180% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 2,320 |
| Noncurrent loans to loans | 0.8845% | 2,339 |
| Net loans and leases to total assets | 89.8086% | 73 |
| Net loans and leases to deposits | 122.8931% | 65 |
| Net loans and leases to core deposits | 141.4666% | 158 |
| Total domestic deposits to total assets | 73.0787% | 5,496 |
| Equity capital to assets | 9.4987% | 4,273 |
| Core capital (leverage) ratio | 10.3317% | 3,069 |
| Tier 1 risk-based capital ratio | 11.0352% | 5,330 |
| Total risk-based capital ratio | 12.2872% | 5,213 |
| Memoranda: | ||
| Average total assets | $604,727,000 | 1,161 |
| Average earning assets | $580,062,400 | 1,122 |
| Average equity | $56,870,000 | 1,351 |
| Average total loans | $546,603,600 | 907 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 202 |
| Cost of funding earning assets | 0.6835% | 888 |
| Net interest margin | 4.9789% | 260 |
| Noninterest income to average assets | 1.5706% | 502 |
| Noninterest expense to average assets | 4.1151% | 524 |
| Loan and lease loss provision to assets | 0.2518% | 746 |
| Net operating income to assets | 1.2866% | 1,334 |
| Return on assets (ROA) | 1.2866% | 1,437 |
| Pretax return on assets | 1.9754% | 606 |
| Return on Equity (ROE) | 13.7179% | 873 |
| Retained earnings to average equity (ytd only) | 6.5595% | 1,873 |
| Net charge-offs to loans | 0.0382% | 2,866 |
| Credit loss provision to net charge-offs | 730.5195% | 545 |
| Earnings coverage of net charge-offs (x) | 64.6228% | 903 |
| Efficiency ratio | 64.8836% | 3,779 |
| Assets per employee ($millions) | 3.2278% | 5,133 |
| Cash dividends to net income (ytd only)* | 52.1830% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,499 |
| Loan loss allowance to noncurrent loans | 120.3571% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 2,030 |
| Noncurrent loans to loans | 1.1117% | 2,028 |
| Net loans and leases to total assets | 88.6728% | 103 |
| Net loans and leases to deposits | 115.5378% | 162 |
| Net loans and leases to core deposits | 144.2213% | 160 |
| Total domestic deposits to total assets | 76.7479% | 5,131 |
| Equity capital to assets | 9.2946% | 4,870 |
| Core capital (leverage) ratio | 10.1146% | 3,423 |
| Tier 1 risk-based capital ratio | 10.6945% | 5,527 |
| Total risk-based capital ratio | 11.9461% | 5,440 |
| Memoranda: | ||
| Average total assets | $595,775,500 | 1,173 |
| Average earning assets | $570,980,250 | 1,135 |
| Average equity | $55,877,000 | 1,384 |
| Average total loans | $537,494,000 | 916 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 184 |
| Cost of funding earning assets | 0.6638% | 969 |
| Net interest margin | 5.0488% | 236 |
| Noninterest income to average assets | 1.5817% | 486 |
| Noninterest expense to average assets | 4.1324% | 521 |
| Loan and lease loss provision to assets | 0.2547% | 752 |
| Net operating income to assets | 1.3270% | 1,208 |
| Return on assets (ROA) | 1.3270% | 1,292 |
| Pretax return on assets | 2.0253% | 544 |
| Return on Equity (ROE) | 14.1042% | 814 |
| Retained earnings to average equity (ytd only) | 6.8842% | 1,673 |
| Net charge-offs to loans | 0.0241% | 3,005 |
| Credit loss provision to net charge-offs | 1,171.8750% | 327 |
| Earnings coverage of net charge-offs (x) | 104.8906% | 548 |
| Efficiency ratio | 64.4439% | 3,942 |
| Assets per employee ($millions) | 2.8267% | 5,590 |
| Cash dividends to net income (ytd only)* | 51.1902% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,570 |
| Loan loss allowance to noncurrent loans | 109.5253% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 1,877 |
| Noncurrent loans to loans | 1.2235% | 1,875 |
| Net loans and leases to total assets | 89.2751% | 88 |
| Net loans and leases to deposits | 117.5099% | 129 |
| Net loans and leases to core deposits | 148.0518% | 134 |
| Total domestic deposits to total assets | 75.9724% | 5,287 |
| Equity capital to assets | 9.6027% | 4,670 |
| Core capital (leverage) ratio | 9.9553% | 3,614 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,440 |
| Total risk-based capital ratio | 12.2061% | 5,370 |
| Memoranda: | ||
| Average total assets | $588,864,670 | 1,193 |
| Average earning assets | $563,417,670 | 1,155 |
| Average equity | $55,402,000 | 1,398 |
| Average total loans | $531,962,330 | 919 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 232 |
| Cost of funding earning assets | 0.5951% | 1,359 |
| Net interest margin | 4.9766% | 259 |
| Noninterest income to average assets | 1.4722% | 515 |
| Noninterest expense to average assets | 3.8546% | 723 |
| Loan and lease loss provision to assets | 0.2545% | 682 |
| Net operating income to assets | 1.3853% | 1,068 |
| Return on assets (ROA) | 1.3853% | 1,124 |
| Pretax return on assets | 2.1143% | 449 |
| Return on Equity (ROE) | 14.8779% | 694 |
| Retained earnings to average equity (ytd only) | 7.5884% | 1,627 |
| Net charge-offs to loans | 0.0105% | 2,768 |
| Credit loss provision to net charge-offs | 2,678.5714% | 156 |
| Earnings coverage of net charge-offs (x) | 249.2857% | 246 |
| Efficiency ratio | 61.9370% | 4,454 |
| Assets per employee ($millions) | 3.2446% | 5,203 |
| Cash dividends to net income (ytd only)* | 48.9956% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 3,196 |
| Loan loss allowance to noncurrent loans | 516.6287% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 4,625 |
| Noncurrent loans to loans | 0.2418% | 4,562 |
| Net loans and leases to total assets | 89.1193% | 85 |
| Net loans and leases to deposits | 129.6446% | 40 |
| Net loans and leases to core deposits | 168.5819% | 62 |
| Total domestic deposits to total assets | 68.7413% | 5,903 |
| Equity capital to assets | 9.1788% | 5,013 |
| Core capital (leverage) ratio | 9.9400% | 3,609 |
| Tier 1 risk-based capital ratio | 10.4293% | 5,782 |
| Total risk-based capital ratio | 11.6797% | 5,701 |
| Memoranda: | ||
| Average total assets | $589,323,000 | 1,198 |
| Average earning assets | $562,629,000 | 1,154 |
| Average equity | $54,873,500 | 1,408 |
| Average total loans | $531,933,500 | 918 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6927% | 200 |
| Cost of funding earning assets | 0.5003% | 2,152 |
| Net interest margin | 5.1924% | 186 |
| Noninterest income to average assets | 2.1241% | 322 |
| Noninterest expense to average assets | 4.4309% | 428 |
| Loan and lease loss provision to assets | 0.2299% | 866 |
| Net operating income to assets | 1.5889% | 723 |
| Return on assets (ROA) | 1.6269% | 682 |
| Pretax return on assets | 2.4822% | 214 |
| Return on Equity (ROE) | 16.3040% | 524 |
| Retained earnings to average equity (ytd only) | 8.6234% | 750 |
| Net charge-offs to loans | 0.0242% | 3,771 |
| Credit loss provision to net charge-offs | 1,052.6316% | 318 |
| Earnings coverage of net charge-offs (x) | 121.5263% | 499 |
| Efficiency ratio | 62.5355% | 4,530 |
| Assets per employee ($millions) | 3.0431% | 5,485 |
| Cash dividends to net income (ytd only)* | 47.1087% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 3,239 |
| Loan loss allowance to noncurrent loans | 501.4008% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 4,566 |
| Noncurrent loans to loans | 0.2475% | 4,544 |
| Net loans and leases to total assets | 89.1573% | 85 |
| Net loans and leases to deposits | 148.1223% | 11 |
| Net loans and leases to core deposits | 176.1082% | 55 |
| Total domestic deposits to total assets | 60.1917% | 6,089 |
| Equity capital to assets | 9.4503% | 4,610 |
| Core capital (leverage) ratio | 10.4042% | 3,054 |
| Tier 1 risk-based capital ratio | 10.8197% | 5,616 |
| Total risk-based capital ratio | 12.0700% | 5,519 |
| Memoranda: | ||
| Average total assets | $521,906,400 | 1,293 |
| Average earning assets | $498,673,200 | 1,256 |
| Average equity | $52,079,200 | 1,428 |
| Average total loans | $471,851,400 | 984 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 194 |
| Cost of funding earning assets | 0.5065% | 2,153 |
| Net interest margin | 5.1992% | 186 |
| Noninterest income to average assets | 2.3484% | 285 |
| Noninterest expense to average assets | 4.5790% | 388 |
| Loan and lease loss provision to assets | 0.2359% | 761 |
| Net operating income to assets | 1.6422% | 697 |
| Return on assets (ROA) | 1.6943% | 655 |
| Pretax return on assets | 2.5827% | 211 |
| Return on Equity (ROE) | 16.7288% | 497 |
| Retained earnings to average equity (ytd only) | 8.9636% | 921 |
| Net charge-offs to loans | 0.0212% | 3,513 |
| Credit loss provision to net charge-offs | 1,232.8767% | 310 |
| Earnings coverage of net charge-offs (x) | 143.1657% | 478 |
| Efficiency ratio | 62.5654% | 4,481 |
| Assets per employee ($millions) | 3.0374% | 5,503 |
| Cash dividends to net income (ytd only)* | 46.4181% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 3,296 |
| Loan loss allowance to noncurrent loans | 193.9774% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 3,394 |
| Noncurrent loans to loans | 0.6506% | 3,377 |
| Net loans and leases to total assets | 89.4822% | 76 |
| Net loans and leases to deposits | 133.0178% | 32 |
| Net loans and leases to core deposits | 153.3533% | 93 |
| Total domestic deposits to total assets | 67.2709% | 6,059 |
| Equity capital to assets | 9.8629% | 4,325 |
| Core capital (leverage) ratio | 10.8551% | 2,641 |
| Tier 1 risk-based capital ratio | 11.2704% | 5,508 |
| Total risk-based capital ratio | 12.5210% | 5,406 |
| Memoranda: | ||
| Average total assets | $508,597,000 | 1,325 |
| Average earning assets | $486,212,500 | 1,288 |
| Average equity | $51,510,750 | 1,445 |
| Average total loans | $460,007,750 | 1,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 212 |
| Cost of funding earning assets | 0.5081% | 2,180 |
| Net interest margin | 5.1426% | 193 |
| Noninterest income to average assets | 2.4053% | 285 |
| Noninterest expense to average assets | 4.5346% | 411 |
| Loan and lease loss provision to assets | 0.2410% | 754 |
| Net operating income to assets | 1.6699% | 660 |
| Return on assets (ROA) | 1.7497% | 598 |
| Pretax return on assets | 2.6656% | 198 |
| Return on Equity (ROE) | 17.1139% | 470 |
| Retained earnings to average equity (ytd only) | 9.2563% | 843 |
| Net charge-offs to loans | 0.0338% | 2,995 |
| Credit loss provision to net charge-offs | 789.4737% | 435 |
| Earnings coverage of net charge-offs (x) | 91.2500% | 639 |
| Efficiency ratio | 61.9458% | 4,684 |
| Assets per employee ($millions) | 2.5905% | 5,987 |
| Cash dividends to net income (ytd only)* | 45.9137% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,200 |
| Loan loss allowance to noncurrent loans | 176.3947% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 3,186 |
| Noncurrent loans to loans | 0.7416% | 3,257 |
| Net loans and leases to total assets | 89.2078% | 93 |
| Net loans and leases to deposits | 118.4227% | 112 |
| Net loans and leases to core deposits | 136.7154% | 195 |
| Total domestic deposits to total assets | 75.3300% | 5,666 |
| Equity capital to assets | 10.4988% | 3,441 |
| Core capital (leverage) ratio | 10.9783% | 2,447 |
| Tier 1 risk-based capital ratio | 12.1015% | 5,075 |
| Total risk-based capital ratio | 13.3529% | 4,970 |
| Memoranda: | ||
| Average total assets | $497,907,670 | 1,360 |
| Average earning assets | $475,864,000 | 1,314 |
| Average equity | $50,906,000 | 1,468 |
| Average total loans | $450,016,000 | 1,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 222 |
| Cost of funding earning assets | 0.4909% | 2,370 |
| Net interest margin | 5.1074% | 207 |
| Noninterest income to average assets | 2.1783% | 326 |
| Noninterest expense to average assets | 4.3398% | 481 |
| Loan and lease loss provision to assets | 0.2409% | 702 |
| Net operating income to assets | 1.6235% | 690 |
| Return on assets (ROA) | 1.6235% | 720 |
| Pretax return on assets | 2.4762% | 254 |
| Return on Equity (ROE) | 16.0955% | 559 |
| Retained earnings to average equity (ytd only) | 8.1353% | 1,519 |
| Net charge-offs to loans | 0.0649% | 2,093 |
| Credit loss provision to net charge-offs | 410.9589% | 644 |
| Earnings coverage of net charge-offs (x) | 46.3562% | 888 |
| Efficiency ratio | 61.4973% | 4,879 |
| Assets per employee ($millions) | 2.9519% | 5,729 |
| Cash dividends to net income (ytd only)* | 49.4560% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,760 |
| Loan loss allowance to noncurrent loans | 140.5841% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 2,972 |
| Noncurrent loans to loans | 0.8792% | 3,047 |
| Net loans and leases to total assets | 89.9734% | 56 |
| Net loans and leases to deposits | 120.8140% | 80 |
| Net loans and leases to core deposits | 141.6775% | 146 |
| Total domestic deposits to total assets | 74.4726% | 5,868 |
| Equity capital to assets | 10.2357% | 3,847 |
| Core capital (leverage) ratio | 10.6039% | 2,846 |
| Tier 1 risk-based capital ratio | 11.7352% | 5,417 |
| Total risk-based capital ratio | 12.9857% | 5,318 |
| Memoranda: | ||
| Average total assets | $498,177,000 | 1,363 |
| Average earning assets | $475,861,500 | 1,322 |
| Average equity | $50,250,000 | 1,493 |
| Average total loans | $450,237,500 | 1,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6471% | 247 |
| Cost of funding earning assets | 0.4698% | 2,982 |
| Net interest margin | 5.1773% | 217 |
| Noninterest income to average assets | 2.6408% | 223 |
| Noninterest expense to average assets | 5.1127% | 288 |
| Loan and lease loss provision to assets | 0.0902% | 2,665 |
| Net operating income to assets | 1.5477% | 795 |
| Return on assets (ROA) | 1.5477% | 827 |
| Pretax return on assets | 2.3623% | 245 |
| Return on Equity (ROE) | 14.2940% | 880 |
| Retained earnings to average equity (ytd only) | 8.0466% | 1,008 |
| Net charge-offs to loans | 0.0185% | 4,484 |
| Credit loss provision to net charge-offs | 547.9452% | 483 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 361 |
| Efficiency ratio | 67.5817% | 3,966 |
| Assets per employee ($millions) | 2.9095% | 5,817 |
| Cash dividends to net income (ytd only)* | 43.7063% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 4,039 |
| Loan loss allowance to noncurrent loans | 114.5147% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 2,823 |
| Noncurrent loans to loans | 1.0426% | 2,738 |
| Net loans and leases to total assets | 88.5907% | 96 |
| Net loans and leases to deposits | 140.8396% | 22 |
| Net loans and leases to core deposits | 162.1855% | 76 |
| Total domestic deposits to total assets | 62.9019% | 6,371 |
| Equity capital to assets | 9.9392% | 4,192 |
| Core capital (leverage) ratio | 9.9392% | 3,664 |
| Tier 1 risk-based capital ratio | 12.1911% | 5,235 |
| Total risk-based capital ratio | 13.4419% | 5,149 |
| Memoranda: | ||
| Average total assets | $443,504,800 | 1,497 |
| Average earning assets | $421,841,200 | 1,454 |
| Average equity | $48,020,000 | 1,501 |
| Average total loans | $394,456,600 | 1,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 283 |
| Cost of funding earning assets | 0.4798% | 2,957 |
| Net interest margin | 5.0996% | 247 |
| Noninterest income to average assets | 2.7534% | 214 |
| Noninterest expense to average assets | 5.2981% | 259 |
| Loan and lease loss provision to assets | 0.0932% | 2,498 |
| Net operating income to assets | 1.4492% | 1,025 |
| Return on assets (ROA) | 1.4492% | 1,065 |
| Pretax return on assets | 2.2111% | 361 |
| Return on Equity (ROE) | 13.0724% | 1,206 |
| Retained earnings to average equity (ytd only) | 10.2708% | 639 |
| Net charge-offs to loans | 0.0238% | 4,038 |
| Credit loss provision to net charge-offs | 441.1765% | 641 |
| Earnings coverage of net charge-offs (x) | 109.1082% | 550 |
| Efficiency ratio | 69.6899% | 3,565 |
| Assets per employee ($millions) | 2.7075% | 6,079 |
| Cash dividends to net income (ytd only)* | 21.4316% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 3,751 |
| Loan loss allowance to noncurrent loans | 115.0919% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 2,727 |
| Noncurrent loans to loans | 1.1132% | 2,843 |
| Net loans and leases to total assets | 88.6047% | 91 |
| Net loans and leases to deposits | 132.7965% | 33 |
| Net loans and leases to core deposits | 149.0004% | 105 |
| Total domestic deposits to total assets | 66.7222% | 6,387 |
| Equity capital to assets | 10.8269% | 3,154 |
| Core capital (leverage) ratio | 10.8269% | 2,669 |
| Tier 1 risk-based capital ratio | 13.0790% | 4,810 |
| Total risk-based capital ratio | 14.3306% | 4,739 |
| Memoranda: | ||
| Average total assets | $429,272,250 | 1,559 |
| Average earning assets | $408,175,000 | 1,510 |
| Average equity | $47,590,250 | 1,519 |
| Average total loans | $380,896,750 | 1,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 301 |
| Cost of funding earning assets | 0.4884% | 2,941 |
| Net interest margin | 5.0196% | 276 |
| Noninterest income to average assets | 2.8873% | 196 |
| Noninterest expense to average assets | 5.5755% | 224 |
| Loan and lease loss provision to assets | 0.0953% | 2,438 |
| Net operating income to assets | 1.3029% | 1,300 |
| Return on assets (ROA) | 1.3029% | 1,351 |
| Pretax return on assets | 1.9903% | 568 |
| Return on Equity (ROE) | 11.6532% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.5228% | 833 |
| Net charge-offs to loans | 0.0275% | 3,643 |
| Credit loss provision to net charge-offs | 392.1569% | 703 |
| Earnings coverage of net charge-offs (x) | 85.8431% | 622 |
| Efficiency ratio | 72.7770% | 3,196 |
| Assets per employee ($millions) | 2.2503% | 6,422 |
| Cash dividends to net income (ytd only)* | 18.2815% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,766 |
| Loan loss allowance to noncurrent loans | 96.3176% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 2,392 |
| Noncurrent loans to loans | 1.3674% | 2,529 |
| Net loans and leases to total assets | 88.8911% | 75 |
| Net loans and leases to deposits | 125.0822% | 56 |
| Net loans and leases to core deposits | 137.1534% | 157 |
| Total domestic deposits to total assets | 71.0662% | 6,309 |
| Equity capital to assets | 11.0205% | 2,854 |
| Core capital (leverage) ratio | 11.0205% | 2,410 |
| Tier 1 risk-based capital ratio | 13.4580% | 4,614 |
| Total risk-based capital ratio | 14.7104% | 4,549 |
| Memoranda: | ||
| Average total assets | $419,838,000 | 1,589 |
| Average earning assets | $399,271,330 | 1,535 |
| Average equity | $46,940,000 | 1,525 |
| Average total loans | $370,964,000 | 1,190 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5012% | 291 |
| Cost of funding earning assets | 0.4970% | 2,935 |
| Net interest margin | 5.0042% | 269 |
| Noninterest income to average assets | 2.9843% | 188 |
| Noninterest expense to average assets | 5.9774% | 190 |
| Loan and lease loss provision to assets | 0.0972% | 2,303 |
| Net operating income to assets | 1.0868% | 1,866 |
| Return on assets (ROA) | 1.0868% | 1,930 |
| Pretax return on assets | 1.6662% | 1,039 |
| Return on Equity (ROE) | 9.6473% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.6473% | 1,065 |
| Net charge-offs to loans | -0.0067% | 4,897 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2196% | 2,605 |
| Assets per employee ($millions) | 2.0770% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,699 |
| Loan loss allowance to noncurrent loans | 85.0190% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 2,333 |
| Noncurrent loans to loans | 1.6235% | 2,399 |
| Net loans and leases to total assets | 88.7816% | 65 |
| Net loans and leases to deposits | 122.2634% | 61 |
| Net loans and leases to core deposits | 127.6662% | 206 |
| Total domestic deposits to total assets | 72.6150% | 6,328 |
| Equity capital to assets | 11.3503% | 2,377 |
| Core capital (leverage) ratio | 11.3503% | 2,094 |
| Tier 1 risk-based capital ratio | 13.9062% | 4,389 |
| Total risk-based capital ratio | 15.1595% | 4,332 |
| Memoranda: | ||
| Average total assets | $411,481,500 | 1,632 |
| Average earning assets | $391,113,000 | 1,578 |
| Average equity | $46,355,000 | 1,545 |
| Average total loans | $359,829,000 | 1,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 213 |
| Cost of funding earning assets | 0.7021% | 1,800 |
| Net interest margin | 5.1510% | 232 |
| Noninterest income to average assets | 4.3759% | 153 |
| Noninterest expense to average assets | 7.3321% | 133 |
| Loan and lease loss provision to assets | 0.3814% | 802 |
| Net operating income to assets | 1.0080% | 2,291 |
| Return on assets (ROA) | 1.0032% | 2,377 |
| Pretax return on assets | 1.5435% | 1,316 |
| Return on Equity (ROE) | 10.0995% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.0995% | 550 |
| Net charge-offs to loans | 0.0158% | 5,128 |
| Credit loss provision to net charge-offs | 2,709.0909% | 85 |
| Earnings coverage of net charge-offs (x) | 137.2545% | 339 |
| Efficiency ratio | 79.1424% | 2,298 |
| Assets per employee ($millions) | 1.6001% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,432 |
| Loan loss allowance to noncurrent loans | 395.4403% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 5,157 |
| Noncurrent loans to loans | 0.3660% | 5,090 |
| Net loans and leases to total assets | 83.6190% | 282 |
| Net loans and leases to deposits | 98.5636% | 562 |
| Net loans and leases to core deposits | 101.7717% | 1,044 |
| Total domestic deposits to total assets | 84.8377% | 3,836 |
| Equity capital to assets | 11.1797% | 2,445 |
| Core capital (leverage) ratio | 11.1797% | 2,218 |
| Tier 1 risk-based capital ratio | 14.4450% | 3,988 |
| Total risk-based capital ratio | 15.6992% | 3,927 |
| Memoranda: | ||
| Average total assets | $390,664,000 | 1,690 |
| Average earning assets | $370,765,200 | 1,633 |
| Average equity | $38,803,800 | 1,796 |
| Average total loans | $347,458,800 | 1,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 203 |
| Cost of funding earning assets | 0.6817% | 2,087 |
| Net interest margin | 5.2273% | 206 |
| Noninterest income to average assets | 4.5162% | 156 |
| Noninterest expense to average assets | 7.5419% | 130 |
| Loan and lease loss provision to assets | 0.4225% | 695 |
| Net operating income to assets | 0.9825% | 2,456 |
| Return on assets (ROA) | 0.9760% | 2,588 |
| Pretax return on assets | 1.5008% | 1,606 |
| Return on Equity (ROE) | 10.1646% | 2,117 |
| Retained earnings to average equity (ytd only) | 10.1646% | 755 |
| Net charge-offs to loans | 0.0196% | 4,744 |
| Credit loss provision to net charge-offs | 2,398.0392% | 137 |
| Earnings coverage of net charge-offs (x) | 109.7228% | 464 |
| Efficiency ratio | 79.5960% | 2,162 |
| Assets per employee ($millions) | 1.4764% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,559 |
| Loan loss allowance to noncurrent loans | 209.0351% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 4,491 |
| Noncurrent loans to loans | 0.6059% | 4,682 |
| Net loans and leases to total assets | 88.9179% | 60 |
| Net loans and leases to deposits | 105.0227% | 262 |
| Net loans and leases to core deposits | 108.6153% | 642 |
| Total domestic deposits to total assets | 84.6654% | 3,898 |
| Equity capital to assets | 10.6987% | 3,072 |
| Core capital (leverage) ratio | 10.6987% | 2,793 |
| Tier 1 risk-based capital ratio | 13.7256% | 4,617 |
| Total risk-based capital ratio | 14.9783% | 4,570 |
| Memoranda: | ||
| Average total assets | $385,921,500 | 1,713 |
| Average earning assets | $366,118,750 | 1,657 |
| Average equity | $37,055,750 | 1,881 |
| Average total loans | $347,433,000 | 1,227 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 222 |
| Cost of funding earning assets | 0.6707% | 2,311 |
| Net interest margin | 5.1829% | 214 |
| Noninterest income to average assets | 4.7974% | 154 |
| Noninterest expense to average assets | 7.6363% | 128 |
| Loan and lease loss provision to assets | 0.4386% | 667 |
| Net operating income to assets | 1.0631% | 2,063 |
| Return on assets (ROA) | 1.0531% | 2,225 |
| Pretax return on assets | 1.6158% | 1,318 |
| Return on Equity (ROE) | 11.4527% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.4527% | 576 |
| Net charge-offs to loans | 0.0326% | 4,230 |
| Credit loss provision to net charge-offs | 1,496.3636% | 218 |
| Earnings coverage of net charge-offs (x) | 70.6182% | 634 |
| Efficiency ratio | 78.6746% | 2,358 |
| Assets per employee ($millions) | 1.3673% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,147 |
| Loan loss allowance to noncurrent loans | 213.9774% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 4,713 |
| Noncurrent loans to loans | 0.5468% | 4,889 |
| Net loans and leases to total assets | 88.3712% | 77 |
| Net loans and leases to deposits | 113.3548% | 103 |
| Net loans and leases to core deposits | 117.1167% | 371 |
| Total domestic deposits to total assets | 77.9598% | 5,988 |
| Equity capital to assets | 9.3165% | 4,837 |
| Core capital (leverage) ratio | 9.3165% | 4,513 |
| Tier 1 risk-based capital ratio | 12.4129% | 5,559 |
| Total risk-based capital ratio | 13.6646% | 5,502 |
| Memoranda: | ||
| Average total assets | $375,286,330 | 1,752 |
| Average earning assets | $355,440,330 | 1,707 |
| Average equity | $34,507,000 | 2,012 |
| Average total loans | $337,814,330 | 1,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 226 |
| Cost of funding earning assets | 0.6772% | 2,415 |
| Net interest margin | 5.1488% | 213 |
| Noninterest income to average assets | 5.1003% | 145 |
| Noninterest expense to average assets | 7.6611% | 130 |
| Loan and lease loss provision to assets | 0.4774% | 570 |
| Net operating income to assets | 1.1929% | 1,541 |
| Return on assets (ROA) | 1.1760% | 1,704 |
| Pretax return on assets | 1.8013% | 883 |
| Return on Equity (ROE) | 12.8905% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.8905% | 573 |
| Net charge-offs to loans | -0.0162% | 5,624 |
| Credit loss provision to net charge-offs | -3,253.8462% | 5,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8743% | 2,784 |
| Assets per employee ($millions) | 1.3472% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 5,167 |
| Loan loss allowance to noncurrent loans | 154.8982% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 4,230 |
| Noncurrent loans to loans | 0.7762% | 4,564 |
| Net loans and leases to total assets | 88.4672% | 65 |
| Net loans and leases to deposits | 107.0104% | 183 |
| Net loans and leases to core deposits | 109.6440% | 505 |
| Total domestic deposits to total assets | 82.6716% | 4,966 |
| Equity capital to assets | 8.7725% | 5,733 |
| Core capital (leverage) ratio | 8.7688% | 5,234 |
| Tier 1 risk-based capital ratio | 11.7910% | 6,032 |
| Total risk-based capital ratio | 13.0434% | 6,007 |
| Memoranda: | ||
| Average total assets | $354,413,000 | 1,869 |
| Average earning assets | $334,910,000 | 1,810 |
| Average equity | $32,334,000 | 2,159 |
| Average total loans | $320,271,500 | 1,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 212 |
| Cost of funding earning assets | 0.7201% | 3,326 |
| Net interest margin | 5.4296% | 188 |
| Noninterest income to average assets | 6.2019% | 114 |
| Noninterest expense to average assets | 8.2743% | 107 |
| Loan and lease loss provision to assets | 0.5820% | 956 |
| Net operating income to assets | 1.6488% | 689 |
| Return on assets (ROA) | 1.5708% | 874 |
| Pretax return on assets | 2.4042% | 291 |
| Return on Equity (ROE) | 15.2099% | 775 |
| Retained earnings to average equity (ytd only) | 15.2099% | 149 |
| Net charge-offs to loans | 0.0574% | 5,122 |
| Credit loss provision to net charge-offs | 1,118.8811% | 230 |
| Earnings coverage of net charge-offs (x) | 59.7133% | 598 |
| Efficiency ratio | 72.7058% | 3,289 |
| Assets per employee ($millions) | 1.2760% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,220 |
| Loan loss allowance to noncurrent loans | 108.9367% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 3,651 |
| Noncurrent loans to loans | 1.0817% | 4,042 |
| Net loans and leases to total assets | 90.2131% | 39 |
| Net loans and leases to deposits | 113.9157% | 113 |
| Net loans and leases to core deposits | 115.8552% | 363 |
| Total domestic deposits to total assets | 79.1928% | 5,849 |
| Equity capital to assets | 9.5162% | 4,851 |
| Core capital (leverage) ratio | 9.5149% | 4,083 |
| Tier 1 risk-based capital ratio | 12.5456% | 5,436 |
| Total risk-based capital ratio | 13.7978% | 5,392 |
| Memoranda: | ||
| Average total assets | $274,898,400 | 2,304 |
| Average earning assets | $262,192,800 | 2,213 |
| Average equity | $28,389,400 | 2,361 |
| Average total loans | $249,288,200 | 1,652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2035% | 211 |
| Cost of funding earning assets | 0.7318% | 3,498 |
| Net interest margin | 5.4717% | 182 |
| Noninterest income to average assets | 5.9844% | 118 |
| Noninterest expense to average assets | 8.1337% | 106 |
| Loan and lease loss provision to assets | 0.6665% | 776 |
| Net operating income to assets | 1.5834% | 880 |
| Return on assets (ROA) | 1.4905% | 1,151 |
| Pretax return on assets | 2.2816% | 416 |
| Return on Equity (ROE) | 14.0770% | 1,095 |
| Retained earnings to average equity (ytd only) | 14.0770% | 294 |
| Net charge-offs to loans | 0.0827% | 4,569 |
| Credit loss provision to net charge-offs | 890.4110% | 324 |
| Earnings coverage of net charge-offs (x) | 41.2949% | 861 |
| Efficiency ratio | 72.4615% | 3,240 |
| Assets per employee ($millions) | 1.1773% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,344 |
| Loan loss allowance to noncurrent loans | 192.4021% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 4,787 |
| Noncurrent loans to loans | 0.6167% | 5,205 |
| Net loans and leases to total assets | 88.5368% | 79 |
| Net loans and leases to deposits | 114.3680% | 105 |
| Net loans and leases to core deposits | 116.4071% | 375 |
| Total domestic deposits to total assets | 77.4140% | 6,176 |
| Equity capital to assets | 9.8184% | 4,754 |
| Core capital (leverage) ratio | 9.8181% | 3,790 |
| Tier 1 risk-based capital ratio | 12.8748% | 5,351 |
| Total risk-based capital ratio | 14.1267% | 5,315 |
| Memoranda: | ||
| Average total assets | $260,047,250 | 2,458 |
| Average earning assets | $249,058,750 | 2,357 |
| Average equity | $27,533,500 | 2,455 |
| Average total loans | $235,315,000 | 1,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3349% | 181 |
| Cost of funding earning assets | 0.7556% | 3,563 |
| Net interest margin | 5.5793% | 159 |
| Noninterest income to average assets | 5.3656% | 128 |
| Noninterest expense to average assets | 7.7547% | 121 |
| Loan and lease loss provision to assets | 0.8213% | 601 |
| Net operating income to assets | 1.4113% | 1,167 |
| Return on assets (ROA) | 1.3174% | 1,546 |
| Pretax return on assets | 2.0179% | 676 |
| Return on Equity (ROE) | 12.0704% | 1,644 |
| Retained earnings to average equity (ytd only) | 12.0704% | 570 |
| Net charge-offs to loans | 0.1329% | 3,864 |
| Credit loss provision to net charge-offs | 680.2721% | 468 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,215 |
| Efficiency ratio | 72.2141% | 3,391 |
| Assets per employee ($millions) | 1.2770% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 5,093 |
| Loan loss allowance to noncurrent loans | 206.1337% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 4,747 |
| Noncurrent loans to loans | 0.6099% | 5,294 |
| Net loans and leases to total assets | 89.7378% | 46 |
| Net loans and leases to deposits | 105.0936% | 255 |
| Net loans and leases to core deposits | 106.5083% | 717 |
| Total domestic deposits to total assets | 85.3884% | 3,670 |
| Equity capital to assets | 11.1156% | 2,998 |
| Core capital (leverage) ratio | 11.1156% | 2,189 |
| Tier 1 risk-based capital ratio | 14.3909% | 4,180 |
| Total risk-based capital ratio | 15.6436% | 4,141 |
| Memoranda: | ||
| Average total assets | $243,515,330 | 2,619 |
| Average earning assets | $234,510,330 | 2,479 |
| Average equity | $26,577,330 | 2,522 |
| Average total loans | $221,273,330 | 1,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5016% | 163 |
| Cost of funding earning assets | 0.7666% | 3,729 |
| Net interest margin | 5.7351% | 132 |
| Noninterest income to average assets | 4.8178% | 137 |
| Noninterest expense to average assets | 7.3761% | 132 |
| Loan and lease loss provision to assets | 0.8533% | 541 |
| Net operating income to assets | 1.3726% | 1,272 |
| Return on assets (ROA) | 1.2339% | 1,827 |
| Pretax return on assets | 1.8909% | 894 |
| Return on Equity (ROE) | 11.4234% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.4234% | 937 |
| Net charge-offs to loans | 0.2536% | 2,656 |
| Credit loss provision to net charge-offs | 370.3704% | 840 |
| Earnings coverage of net charge-offs (x) | 12.8370% | 1,571 |
| Efficiency ratio | 71.3790% | 3,559 |
| Assets per employee ($millions) | 1.3922% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 5,605 |
| Loan loss allowance to noncurrent loans | 385.6703% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 5,068 |
| Noncurrent loans to loans | 0.3049% | 6,068 |
| Net loans and leases to total assets | 87.3352% | 84 |
| Net loans and leases to deposits | 98.2894% | 430 |
| Net loans and leases to core deposits | 100.2258% | 972 |
| Total domestic deposits to total assets | 88.8552% | 1,787 |
| Equity capital to assets | 10.6611% | 3,308 |
| Core capital (leverage) ratio | 10.6611% | 2,589 |
| Tier 1 risk-based capital ratio | 14.4288% | 4,167 |
| Total risk-based capital ratio | 15.6807% | 4,127 |
| Memoranda: | ||
| Average total assets | $234,380,000 | 2,725 |
| Average earning assets | $225,420,000 | 2,596 |
| Average equity | $25,316,500 | 2,639 |
| Average total loans | $212,954,000 | 1,926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 435 |
| Cost of funding earning assets | 0.9758% | 3,540 |
| Net interest margin | 5.0176% | 407 |
| Noninterest income to average assets | 4.8264% | 130 |
| Noninterest expense to average assets | 7.7282% | 111 |
| Loan and lease loss provision to assets | 0.4007% | 2,591 |
| Net operating income to assets | 0.9916% | 2,232 |
| Return on assets (ROA) | 0.9161% | 2,656 |
| Pretax return on assets | 1.4096% | 1,751 |
| Return on Equity (ROE) | 8.4712% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.4712% | 930 |
| Net charge-offs to loans | 0.1242% | 5,145 |
| Credit loss provision to net charge-offs | 371.6216% | 629 |
| Earnings coverage of net charge-offs (x) | 17.8649% | 1,246 |
| Efficiency ratio | 80.0060% | 2,301 |
| Assets per employee ($millions) | 1.3812% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,203 |
| Loan loss allowance to noncurrent loans | 255.2506% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 4,727 |
| Noncurrent loans to loans | 0.3933% | 5,927 |
| Net loans and leases to total assets | 92.5451% | 20 |
| Net loans and leases to deposits | 109.1693% | 186 |
| Net loans and leases to core deposits | 111.3127% | 578 |
| Total domestic deposits to total assets | 84.7720% | 3,975 |
| Equity capital to assets | 10.9498% | 3,028 |
| Core capital (leverage) ratio | 10.9491% | 2,310 |
| Tier 1 risk-based capital ratio | 14.7657% | 3,784 |
| Total risk-based capital ratio | 16.0160% | 3,761 |
| Memoranda: | ||
| Average total assets | $205,869,000 | 2,991 |
| Average earning assets | $198,102,800 | 2,878 |
| Average equity | $22,263,800 | 2,864 |
| Average total loans | $178,777,200 | 2,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 522 |
| Cost of funding earning assets | 1.0513% | 3,311 |
| Net interest margin | 4.8864% | 526 |
| Noninterest income to average assets | 4.7353% | 133 |
| Noninterest expense to average assets | 7.9095% | 107 |
| Loan and lease loss provision to assets | 0.2995% | 3,129 |
| Net operating income to assets | 0.7963% | 3,180 |
| Return on assets (ROA) | 0.7453% | 3,572 |
| Pretax return on assets | 1.1492% | 2,824 |
| Return on Equity (ROE) | 6.9163% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.9163% | 2,019 |
| Net charge-offs to loans | 0.0603% | 5,365 |
| Credit loss provision to net charge-offs | 584.4156% | 466 |
| Earnings coverage of net charge-offs (x) | 29.8064% | 940 |
| Efficiency ratio | 83.7670% | 1,753 |
| Assets per employee ($millions) | 1.2403% | 7,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,260 |
| Loan loss allowance to noncurrent loans | 65.5445% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 3,440 |
| Noncurrent loans to loans | 1.5284% | 3,987 |
| Net loans and leases to total assets | 92.6928% | 18 |
| Net loans and leases to deposits | 108.9115% | 194 |
| Net loans and leases to core deposits | 112.7899% | 582 |
| Total domestic deposits to total assets | 85.1083% | 3,721 |
| Equity capital to assets | 11.8914% | 2,339 |
| Core capital (leverage) ratio | 11.8901% | 1,772 |
| Tier 1 risk-based capital ratio | 15.8655% | 3,185 |
| Total risk-based capital ratio | 17.1158% | 3,140 |
| Memoranda: | ||
| Average total assets | $200,360,500 | 3,072 |
| Average earning assets | $192,775,500 | 2,947 |
| Average equity | $21,591,000 | 2,934 |
| Average total loans | $170,208,500 | 2,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 816 |
| Cost of funding earning assets | 1.1643% | 2,814 |
| Net interest margin | 4.5757% | 955 |
| Noninterest income to average assets | 4.5118% | 148 |
| Noninterest expense to average assets | 8.0555% | 112 |
| Loan and lease loss provision to assets | 0.2759% | 3,172 |
| Net operating income to assets | 0.3659% | 5,106 |
| Return on assets (ROA) | 0.3351% | 5,365 |
| Pretax return on assets | 0.5287% | 4,974 |
| Return on Equity (ROE) | 3.2232% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.2232% | 4,215 |
| Net charge-offs to loans | 0.0710% | 4,932 |
| Credit loss provision to net charge-offs | 474.1379% | 649 |
| Earnings coverage of net charge-offs (x) | 14.6552% | 1,467 |
| Efficiency ratio | 90.3705% | 1,218 |
| Assets per employee ($millions) | 1.1444% | 7,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,287 |
| Loan loss allowance to noncurrent loans | 130.8439% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 4,395 |
| Noncurrent loans to loans | 0.7712% | 5,371 |
| Net loans and leases to total assets | 87.3177% | 98 |
| Net loans and leases to deposits | 109.3316% | 190 |
| Net loans and leases to core deposits | 116.4707% | 506 |
| Total domestic deposits to total assets | 79.8650% | 5,857 |
| Equity capital to assets | 11.8878% | 2,177 |
| Core capital (leverage) ratio | 11.8869% | 1,677 |
| Tier 1 risk-based capital ratio | 16.6213% | 2,686 |
| Total risk-based capital ratio | 17.8659% | 2,644 |
| Memoranda: | ||
| Average total assets | $199,342,000 | 3,106 |
| Average earning assets | $191,535,000 | 2,975 |
| Average equity | $20,725,000 | 3,032 |
| Average total loans | $163,458,000 | 2,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 1,267 |
| Cost of funding earning assets | 1.3240% | 2,047 |
| Net interest margin | 4.1859% | 1,942 |
| Noninterest income to average assets | 4.2016% | 156 |
| Noninterest expense to average assets | 7.5377% | 122 |
| Loan and lease loss provision to assets | 0.2991% | 2,763 |
| Net operating income to assets | 0.2439% | 5,638 |
| Return on assets (ROA) | 0.2273% | 5,761 |
| Pretax return on assets | 0.3609% | 5,469 |
| Return on Equity (ROE) | 2.3520% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.3520% | 4,736 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5858% | 1,191 |
| Assets per employee ($millions) | 1.1343% | 7,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,967 |
| Loan loss allowance to noncurrent loans | 91.7801% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 2.1485% | 3,133 |
| Noncurrent loans to loans | 1.2213% | 4,642 |
| Net loans and leases to total assets | 73.6605% | 1,397 |
| Net loans and leases to deposits | 82.3011% | 2,309 |
| Net loans and leases to core deposits | 101.0127% | 1,265 |
| Total domestic deposits to total assets | 89.5013% | 1,480 |
| Equity capital to assets | 10.2496% | 3,471 |
| Core capital (leverage) ratio | 10.2296% | 2,897 |
| Tier 1 risk-based capital ratio | 16.3662% | 2,727 |
| Total risk-based capital ratio | 17.5677% | 2,711 |
| Memoranda: | ||
| Average total assets | $200,592,500 | 3,105 |
| Average earning assets | $192,744,500 | 2,975 |
| Average equity | $19,387,500 | 3,209 |
| Average total loans | $158,372,500 | 2,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0550% | 768 |
| Cost of funding earning assets | 1.6615% | 1,773 |
| Net interest margin | 4.3935% | 1,496 |
| Noninterest income to average assets | 5.9596% | 112 |
| Noninterest expense to average assets | 8.6954% | 99 |
| Loan and lease loss provision to assets | 0.6506% | 2,535 |
| Net operating income to assets | 0.5005% | 4,092 |
| Return on assets (ROA) | 0.4158% | 4,609 |
| Pretax return on assets | 0.6647% | 4,110 |
| Return on Equity (ROE) | 5.0129% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.0129% | 2,399 |
| Net charge-offs to loans | 0.3927% | 4,073 |
| Credit loss provision to net charge-offs | 198.0198% | 1,595 |
| Earnings coverage of net charge-offs (x) | 4.4059% | 2,934 |
| Efficiency ratio | 85.5677% | 1,738 |
| Assets per employee ($millions) | 1.0115% | 7,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,655 |
| Loan loss allowance to noncurrent loans | 110.6628% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3248% | 4,376 |
| Noncurrent loans to loans | 0.8345% | 5,385 |
| Net loans and leases to total assets | 82.6973% | 403 |
| Net loans and leases to deposits | 91.1800% | 1,376 |
| Net loans and leases to core deposits | 112.7860% | 781 |
| Total domestic deposits to total assets | 90.6968% | 751 |
| Equity capital to assets | 9.0729% | 5,036 |
| Core capital (leverage) ratio | 9.0510% | 4,447 |
| Tier 1 risk-based capital ratio | 14.5398% | 3,515 |
| Total risk-based capital ratio | 15.7784% | 3,485 |
| Memoranda: | ||
| Average total assets | $184,442,400 | 3,302 |
| Average earning assets | $175,622,200 | 3,176 |
| Average equity | $15,300,600 | 3,886 |
| Average total loans | $154,312,000 | 2,695 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 1,123 |
| Cost of funding earning assets | 1.7107% | 1,816 |
| Net interest margin | 4.1955% | 2,232 |
| Noninterest income to average assets | 5.9024% | 117 |
| Noninterest expense to average assets | 8.2439% | 105 |
| Loan and lease loss provision to assets | 0.8115% | 1,866 |
| Net operating income to assets | 0.5420% | 4,125 |
| Return on assets (ROA) | 0.4360% | 4,781 |
| Pretax return on assets | 0.6698% | 4,349 |
| Return on Equity (ROE) | 5.3950% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.3950% | 2,709 |
| Net charge-offs to loans | 0.5305% | 3,178 |
| Credit loss provision to net charge-offs | 182.7243% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.7026% | 3,329 |
| Efficiency ratio | 83.2065% | 1,928 |
| Assets per employee ($millions) | 1.0351% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,709 |
| Loan loss allowance to noncurrent loans | 3,061.7021% | 118 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 4,702 |
| Noncurrent loans to loans | 0.0298% | 7,181 |
| Net loans and leases to total assets | 75.9813% | 1,410 |
| Net loans and leases to deposits | 82.3649% | 3,037 |
| Net loans and leases to core deposits | 104.3464% | 1,453 |
| Total domestic deposits to total assets | 92.2496% | 155 |
| Equity capital to assets | 7.4824% | 7,137 |
| Core capital (leverage) ratio | 7.4563% | 6,875 |
| Tier 1 risk-based capital ratio | 12.3157% | 5,162 |
| Total risk-based capital ratio | 13.4700% | 5,218 |
| Memoranda: | ||
| Average total assets | $180,734,250 | 3,411 |
| Average earning assets | $171,703,250 | 3,291 |
| Average equity | $14,605,750 | 4,076 |
| Average total loans | $151,307,250 | 2,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 1,300 |
| Cost of funding earning assets | 1.7622% | 1,805 |
| Net interest margin | 4.0905% | 2,607 |
| Noninterest income to average assets | 5.1857% | 136 |
| Noninterest expense to average assets | 7.4222% | 135 |
| Loan and lease loss provision to assets | 1.1026% | 1,296 |
| Net operating income to assets | 0.3378% | 5,035 |
| Return on assets (ROA) | 0.2101% | 5,658 |
| Pretax return on assets | 0.3354% | 5,406 |
| Return on Equity (ROE) | 2.5249% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.5249% | 4,546 |
| Net charge-offs to loans | 0.6385% | 2,630 |
| Credit loss provision to net charge-offs | 199.5798% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.9643% | 3,515 |
| Efficiency ratio | 81.8473% | 2,188 |
| Assets per employee ($millions) | 0.9750% | 7,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 6,914 |
| Loan loss allowance to noncurrent loans | 420.1780% | 740 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 4,855 |
| Noncurrent loans to loans | 0.2018% | 6,848 |
| Net loans and leases to total assets | 88.4600% | 112 |
| Net loans and leases to deposits | 98.9650% | 796 |
| Net loans and leases to core deposits | 131.5892% | 397 |
| Total domestic deposits to total assets | 89.3851% | 1,236 |
| Equity capital to assets | 8.0760% | 6,677 |
| Core capital (leverage) ratio | 8.0510% | 6,199 |
| Tier 1 risk-based capital ratio | 11.2872% | 5,953 |
| Total risk-based capital ratio | 12.3479% | 6,126 |
| Memoranda: | ||
| Average total assets | $172,320,000 | 3,565 |
| Average earning assets | $163,207,000 | 3,460 |
| Average equity | $14,337,000 | 4,126 |
| Average total loans | $149,095,330 | 2,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 1,866 |
| Cost of funding earning assets | 1.8640% | 1,591 |
| Net interest margin | 3.8126% | 3,737 |
| Noninterest income to average assets | 4.4203% | 152 |
| Noninterest expense to average assets | 6.6159% | 166 |
| Loan and lease loss provision to assets | 0.9704% | 1,291 |
| Net operating income to assets | 0.2775% | 5,381 |
| Return on assets (ROA) | 0.1456% | 6,000 |
| Pretax return on assets | 0.2305% | 5,796 |
| Return on Equity (ROE) | 1.7209% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.7209% | 5,078 |
| Net charge-offs to loans | 0.5795% | 2,359 |
| Credit loss provision to net charge-offs | 197.0443% | 1,880 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,120 |
| Efficiency ratio | 82.3707% | 2,228 |
| Assets per employee ($millions) | 1.2702% | 7,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 7,113 |
| Loan loss allowance to noncurrent loans | 82.7286% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9609% | 3,548 |
| Noncurrent loans to loans | 0.9739% | 5,382 |
| Net loans and leases to total assets | 84.9986% | 290 |
| Net loans and leases to deposits | 93.2492% | 1,442 |
| Net loans and leases to core deposits | 123.5815% | 657 |
| Total domestic deposits to total assets | 91.1522% | 483 |
| Equity capital to assets | 8.4663% | 6,050 |
| Core capital (leverage) ratio | 8.4464% | 5,474 |
| Tier 1 risk-based capital ratio | 11.5338% | 5,641 |
| Total risk-based capital ratio | 12.4767% | 5,883 |
| Memoranda: | ||
| Average total assets | $164,875,500 | 3,746 |
| Average earning assets | $155,798,000 | 3,652 |
| Average equity | $13,946,000 | 4,256 |
| Average total loans | $140,132,500 | 3,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9548% | 298 |
| Cost of funding earning assets | 2.1780% | 2,124 |
| Net interest margin | 4.7767% | 729 |
| Noninterest income to average assets | 1.6698% | 518 |
| Noninterest expense to average assets | 5.7111% | 355 |
| Loan and lease loss provision to assets | 0.4211% | 4,302 |
| Net operating income to assets | 0.0584% | 5,316 |
| Return on assets (ROA) | -0.0453% | 5,602 |
| Pretax return on assets | -0.1327% | 5,627 |
| Return on Equity (ROE) | -0.5589% | 5,629 |
| Retained earnings to average equity (ytd only) | -0.5589% | 5,127 |
| Net charge-offs to loans | 0.4813% | 3,849 |
| Credit loss provision to net charge-offs | 108.1967% | 5,120 |
| Earnings coverage of net charge-offs (x) | 1.1574% | 4,967 |
| Efficiency ratio | 92.4097% | 1,528 |
| Assets per employee ($millions) | 1.3719% | 7,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 7,414 |
| Loan loss allowance to noncurrent loans | 600.6369% | 556 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 4,301 |
| Noncurrent loans to loans | 0.1131% | 7,136 |
| Net loans and leases to total assets | 83.7219% | 463 |
| Net loans and leases to deposits | 92.4468% | 1,826 |
| Net loans and leases to core deposits | 120.4211% | 1,922 |
| Total domestic deposits to total assets | 90.5622% | 714 |
| Equity capital to assets | 8.4507% | 5,971 |
| Core capital (leverage) ratio | 8.4334% | 5,381 |
| Tier 1 risk-based capital ratio | 10.9050% | 6,003 |
| Total risk-based capital ratio | 11.6458% | 6,473 |
| Memoranda: | ||
| Average total assets | $156,730,000 | 3,840 |
| Average earning assets | $147,380,800 | 3,756 |
| Average equity | $12,704,200 | 4,590 |
| Average total loans | $126,744,000 | 3,339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9190% | 341 |
| Cost of funding earning assets | 2.2027% | 2,400 |
| Net interest margin | 4.7163% | 808 |
| Noninterest income to average assets | 0.8038% | 2,411 |
| Noninterest expense to average assets | 5.1348% | 446 |
| Loan and lease loss provision to assets | 0.4911% | 3,448 |
| Net operating income to assets | -0.2430% | 6,131 |
| Return on assets (ROA) | -0.2430% | 6,135 |
| Pretax return on assets | -0.3911% | 6,187 |
| Return on Equity (ROE) | -3.0316% | 6,245 |
| Retained earnings to average equity (ytd only) | -3.0316% | 5,937 |
| Net charge-offs to loans | 0.6670% | 2,692 |
| Credit loss provision to net charge-offs | 92.0840% | 5,430 |
| Earnings coverage of net charge-offs (x) | 0.1874% | 5,835 |
| Efficiency ratio | 97.7288% | 1,177 |
| Assets per employee ($millions) | 1.9244% | 7,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 7,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 4,149 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.7342% | 1,628 |
| Net loans and leases to deposits | 85.3651% | 3,437 |
| Net loans and leases to core deposits | 107.1493% | 3,575 |
| Total domestic deposits to total assets | 91.0609% | 394 |
| Equity capital to assets | 7.8444% | 6,994 |
| Core capital (leverage) ratio | 7.9140% | 6,483 |
| Tier 1 risk-based capital ratio | 10.3454% | 6,626 |
| Total risk-based capital ratio | 10.9820% | 7,171 |
| Memoranda: | ||
| Average total assets | $154,756,000 | 3,898 |
| Average earning assets | $145,394,000 | 3,811 |
| Average equity | $12,402,250 | 4,681 |
| Average total loans | $123,737,250 | 3,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3731% | 183 |
| Cost of funding earning assets | 2.1889% | 2,845 |
| Net interest margin | 5.1842% | 304 |
| Noninterest income to average assets | -0.6742% | 8,141 |
| Noninterest expense to average assets | 4.4990% | 779 |
| Loan and lease loss provision to assets | 0.4441% | 3,320 |
| Net operating income to assets | -0.4764% | 6,528 |
| Return on assets (ROA) | -0.4764% | 6,537 |
| Pretax return on assets | -0.7631% | 6,659 |
| Return on Equity (ROE) | -5.8962% | 6,701 |
| Retained earnings to average equity (ytd only) | -5.8962% | 6,433 |
| Net charge-offs to loans | 0.4340% | 3,071 |
| Credit loss provision to net charge-offs | 126.9231% | 3,662 |
| Earnings coverage of net charge-offs (x) | -0.9115% | 6,211 |
| Efficiency ratio | 107.2440% | 935 |
| Assets per employee ($millions) | 1.9907% | 7,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 7,526 |
| Loan loss allowance to noncurrent loans | 83.3622% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 4,370 |
| Noncurrent loans to loans | 0.7897% | 5,653 |
| Net loans and leases to total assets | 81.0298% | 1,132 |
| Net loans and leases to deposits | 89.2088% | 2,953 |
| Net loans and leases to core deposits | 239.1293% | 65 |
| Total domestic deposits to total assets | 90.8317% | 514 |
| Equity capital to assets | 7.7166% | 7,055 |
| Core capital (leverage) ratio | 7.7037% | 6,752 |
| Tier 1 risk-based capital ratio | 11.4415% | 5,451 |
| Total risk-based capital ratio | 12.2390% | 5,821 |
| Memoranda: | ||
| Average total assets | $148,610,000 | 4,016 |
| Average earning assets | $139,153,670 | 3,965 |
| Average equity | $12,007,670 | 4,811 |
| Average total loans | $119,824,670 | 3,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5038% | 859 |
| Cost of funding earning assets | 2.3137% | 2,641 |
| Net interest margin | 4.1901% | 1,935 |
| Noninterest income to average assets | 0.0870% | 7,619 |
| Noninterest expense to average assets | 3.8280% | 1,417 |
| Loan and lease loss provision to assets | 0.2700% | 3,801 |
| Net operating income to assets | -0.0990% | 6,408 |
| Return on assets (ROA) | -0.0990% | 6,527 |
| Pretax return on assets | -0.1590% | 6,527 |
| Return on Equity (ROE) | -1.1893% | 6,572 |
| Retained earnings to average equity (ytd only) | -1.1893% | 5,932 |
| Net charge-offs to loans | 0.2812% | 2,990 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.4933% | 4,591 |
| Efficiency ratio | 96.7251% | 1,284 |
| Assets per employee ($millions) | 2.6903% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 7,034 |
| Loan loss allowance to noncurrent loans | 93.7113% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 4.6398% | 1,017 |
| Noncurrent loans to loans | 0.8898% | 5,223 |
| Net loans and leases to total assets | 78.7923% | 1,628 |
| Net loans and leases to deposits | 100.8564% | 1,297 |
| Net loans and leases to core deposits | 125.2456% | 1,975 |
| Total domestic deposits to total assets | 78.1232% | 5,970 |
| Equity capital to assets | 8.1061% | 6,667 |
| Core capital (leverage) ratio | 8.1048% | 6,279 |
| Tier 1 risk-based capital ratio | 9.7840% | 7,160 |
| Total risk-based capital ratio | 10.5838% | 7,531 |
| Memoranda: | ||
| Average total assets | $133,335,000 | 4,339 |
| Average earning assets | $122,575,000 | 4,316 |
| Average equity | $11,099,000 | 5,079 |
| Average total loans | $106,669,500 | 3,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2986% | 597 |
| Cost of funding earning assets | 2.9710% | 1,983 |
| Net interest margin | 4.3276% | 1,890 |
| Noninterest income to average assets | -0.4688% | 8,267 |
| Noninterest expense to average assets | 2.9281% | 4,342 |
| Loan and lease loss provision to assets | 0.2459% | 4,454 |
| Net operating income to assets | 0.2366% | 5,737 |
| Return on assets (ROA) | -0.1852% | 6,453 |
| Pretax return on assets | -0.2713% | 6,436 |
| Return on Equity (ROE) | -2.0207% | 6,503 |
| Retained earnings to average equity (ytd only) | -2.0207% | 5,875 |
| Net charge-offs to loans | 0.3449% | 3,104 |
| Credit loss provision to net charge-offs | 90.3614% | 5,675 |
| Earnings coverage of net charge-offs (x) | 2.1867% | 4,981 |
| Efficiency ratio | 82.7867% | 2,207 |
| Assets per employee ($millions) | 3.0108% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 6,876 |
| Loan loss allowance to noncurrent loans | 116.1458% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 3.6798% | 1,184 |
| Noncurrent loans to loans | 0.7362% | 5,190 |
| Net loans and leases to total assets | 79.8911% | 1,689 |
| Net loans and leases to deposits | 119.8964% | 387 |
| Net loans and leases to core deposits | 161.5125% | 546 |
| Total domestic deposits to total assets | 66.6335% | 7,608 |
| Equity capital to assets | 8.5552% | 6,004 |
| Core capital (leverage) ratio | 8.6074% | 5,369 |
| Tier 1 risk-based capital ratio | 10.3055% | 6,411 |
| Total risk-based capital ratio | 11.1299% | 6,755 |
| Memoranda: | ||
| Average total assets | $122,023,200 | 4,466 |
| Average earning assets | $112,556,000 | 4,458 |
| Average equity | $11,184,200 | 5,072 |
| Average total loans | $96,258,400 | 4,049 |