Home > Sutton Bank > Performance and Condition Ratios
Sutton 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 | 4.4634% | 3,160 |
| Cost of funding earning assets | 0.1611% | 4,460 |
| Net interest margin | 4.3023% | 807 |
| Noninterest income to average assets | 2.9900% | 185 |
| Noninterest expense to average assets | 2.5431% | 2,178 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 4.5296% | 85 |
| Return on assets (ROA) | 4.5296% | 87 |
| Pretax return on assets | 4.5296% | 98 |
| Return on Equity (ROE) | 61.4700% | 35 |
| Retained earnings to average equity (ytd only) | 25.2404% | 68 |
| Net charge-offs to loans | 0.0344% | 1,617 |
| Credit loss provision to net charge-offs | 284.2105% | 991 |
| Earnings coverage of net charge-offs (x) | 684.0451% | 207 |
| Efficiency ratio | 35.8610% | 4,439 |
| Assets per employee ($millions) | 12.0098% | 411 |
| Cash dividends to net income (ytd only)* | 58.9404% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,116 |
| Loan loss allowance to noncurrent loans | 844.8424% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,453 |
| Noncurrent loans to loans | 0.1748% | 2,642 |
| Net loans and leases to total assets | 17.5200% | 4,417 |
| Net loans and leases to deposits | 19.0694% | 4,430 |
| Net loans and leases to core deposits | 23.2644% | 4,441 |
| Total domestic deposits to total assets | 91.8500% | 329 |
| Equity capital to assets | 7.4249% | 3,755 |
| Core capital (leverage) ratio | 9.2560% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2757% | 285 |
| Memoranda: | ||
| Average total assets | $2,000,161,200 | 575 |
| Average earning assets | $1,906,761,200 | 550 |
| Average equity | $147,382,800 | 680 |
| Average total loans | $386,394,000 | 1,512 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 3,108 |
| Cost of funding earning assets | 0.1502% | 4,475 |
| Net interest margin | 4.2476% | 868 |
| Noninterest income to average assets | 3.1000% | 191 |
| Noninterest expense to average assets | 2.6062% | 1,921 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 4.5233% | 94 |
| Return on assets (ROA) | 4.5233% | 94 |
| Pretax return on assets | 4.5233% | 106 |
| Return on Equity (ROE) | 61.5200% | 52 |
| Retained earnings to average equity (ytd only) | 30.2811% | 85 |
| Net charge-offs to loans | 0.0456% | 1,236 |
| Credit loss provision to net charge-offs | 139.6947% | 1,365 |
| Earnings coverage of net charge-offs (x) | 503.4809% | 307 |
| Efficiency ratio | 36.4910% | 4,438 |
| Assets per employee ($millions) | 11.2660% | 472 |
| Cash dividends to net income (ytd only)* | 50.7807% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,255 |
| Loan loss allowance to noncurrent loans | 917.0418% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,410 |
| Noncurrent loans to loans | 0.1581% | 2,761 |
| Net loans and leases to total assets | 18.8100% | 4,438 |
| Net loans and leases to deposits | 20.5368% | 4,449 |
| Net loans and leases to core deposits | 28.1546% | 4,403 |
| Total domestic deposits to total assets | 91.5800% | 539 |
| Equity capital to assets | 7.6033% | 3,290 |
| Core capital (leverage) ratio | 9.5910% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3407% | 291 |
| Memoranda: | ||
| Average total assets | $1,938,744,000 | 591 |
| Average earning assets | $1,846,439,000 | 562 |
| Average equity | $142,541,000 | 692 |
| Average total loans | $383,172,500 | 1,518 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,133 |
| Cost of funding earning assets | 0.1308% | 4,495 |
| Net interest margin | 4.1489% | 1,007 |
| Noninterest income to average assets | 3.1300% | 174 |
| Noninterest expense to average assets | 2.6113% | 1,898 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 4.4441% | 84 |
| Return on assets (ROA) | 4.4441% | 86 |
| Pretax return on assets | 4.4441% | 97 |
| Return on Equity (ROE) | 61.2000% | 48 |
| Retained earnings to average equity (ytd only) | 30.1431% | 77 |
| Net charge-offs to loans | 0.0901% | 726 |
| Credit loss provision to net charge-offs | 107.0175% | 1,395 |
| Earnings coverage of net charge-offs (x) | 247.6725% | 511 |
| Efficiency ratio | 36.9105% | 4,453 |
| Assets per employee ($millions) | 11.5228% | 436 |
| Cash dividends to net income (ytd only)* | 50.7482% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,291 |
| Loan loss allowance to noncurrent loans | 806.9801% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,332 |
| Noncurrent loans to loans | 0.1816% | 2,567 |
| Net loans and leases to total assets | 18.8900% | 4,466 |
| Net loans and leases to deposits | 20.5273% | 4,472 |
| Net loans and leases to core deposits | 29.1418% | 4,411 |
| Total domestic deposits to total assets | 92.0300% | 406 |
| Equity capital to assets | 7.2868% | 3,650 |
| Core capital (leverage) ratio | 9.1628% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1132% | 351 |
| Memoranda: | ||
| Average total assets | $1,897,765,667 | 588 |
| Average earning assets | $1,805,170,667 | 565 |
| Average equity | $137,802,667 | 713 |
| Average total loans | $379,739,667 | 1,510 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,257 |
| Cost of funding earning assets | 0.1147% | 4,513 |
| Net interest margin | 3.9824% | 1,295 |
| Noninterest income to average assets | 3.1700% | 167 |
| Noninterest expense to average assets | 2.5627% | 2,071 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 4.3723% | 86 |
| Return on assets (ROA) | 4.3723% | 85 |
| Pretax return on assets | 4.3723% | 103 |
| Return on Equity (ROE) | 60.3300% | 59 |
| Retained earnings to average equity (ytd only) | 30.9078% | 106 |
| Net charge-offs to loans | 0.0011% | 2,017 |
| Credit loss provision to net charge-offs | 18,300.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 20,278.0000% | 2 |
| Efficiency ratio | 36.7420% | 4,521 |
| Assets per employee ($millions) | 11.0254% | 506 |
| Cash dividends to net income (ytd only)* | 48.7684% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,192 |
| Loan loss allowance to noncurrent loans | 641.0989% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,209 |
| Noncurrent loans to loans | 0.2375% | 2,313 |
| Net loans and leases to total assets | 19.9000% | 4,518 |
| Net loans and leases to deposits | 21.7216% | 4,526 |
| Net loans and leases to core deposits | 29.7040% | 4,465 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 7.3510% | 3,648 |
| Core capital (leverage) ratio | 9.2688% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7604% | 364 |
| Memoranda: | ||
| Average total assets | $1,838,400,000 | 619 |
| Average earning assets | $1,754,120,000 | 593 |
| Average equity | $133,235,000 | 737 |
| Average total loans | $376,306,000 | 1,537 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6905% | 4,409 |
| Cost of funding earning assets | 0.0621% | 4,538 |
| Net interest margin | 2.6284% | 4,137 |
| Noninterest income to average assets | 3.0700% | 174 |
| Noninterest expense to average assets | 2.4444% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.1292% | 104 |
| Return on assets (ROA) | 3.1292% | 103 |
| Pretax return on assets | 3.1292% | 122 |
| Return on Equity (ROE) | 42.6900% | 47 |
| Retained earnings to average equity (ytd only) | 23.5469% | 56 |
| Net charge-offs to loans | -0.0241% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.8565% | 4,433 |
| Assets per employee ($millions) | 10.4731% | 582 |
| Cash dividends to net income (ytd only)* | 44.8397% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,119 |
| Loan loss allowance to noncurrent loans | 264.8547% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,606 |
| Noncurrent loans to loans | 0.5777% | 1,287 |
| Net loans and leases to total assets | 20.4300% | 4,551 |
| Net loans and leases to deposits | 22.2864% | 4,554 |
| Net loans and leases to core deposits | 26.4796% | 4,520 |
| Total domestic deposits to total assets | 91.6800% | 725 |
| Equity capital to assets | 7.1369% | 3,592 |
| Core capital (leverage) ratio | 8.0921% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9837% | 373 |
| Memoranda: | ||
| Average total assets | $1,559,387,600 | 684 |
| Average earning assets | $1,487,657,400 | 665 |
| Average equity | $114,308,200 | 850 |
| Average total loans | $335,509,000 | 1,587 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1626% | 4,571 |
| Cost of funding earning assets | 0.0561% | 4,550 |
| Net interest margin | 2.1065% | 4,513 |
| Noninterest income to average assets | 2.8700% | 191 |
| Noninterest expense to average assets | 2.4017% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.4770% | 158 |
| Return on assets (ROA) | 2.4770% | 155 |
| Pretax return on assets | 2.4770% | 216 |
| Return on Equity (ROE) | 33.5300% | 71 |
| Retained earnings to average equity (ytd only) | 18.0751% | 161 |
| Net charge-offs to loans | 0.0012% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9,314.6667% | 3 |
| Efficiency ratio | 49.2278% | 4,204 |
| Assets per employee ($millions) | 10.8973% | 511 |
| Cash dividends to net income (ytd only)* | 46.0922% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 1,045 |
| Loan loss allowance to noncurrent loans | 254.9451% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,676 |
| Noncurrent loans to loans | 0.6309% | 1,289 |
| Net loans and leases to total assets | 19.1800% | 4,598 |
| Net loans and leases to deposits | 20.8382% | 4,607 |
| Net loans and leases to core deposits | 27.1881% | 4,553 |
| Total domestic deposits to total assets | 92.0200% | 868 |
| Equity capital to assets | 6.5182% | 3,731 |
| Core capital (leverage) ratio | 7.6394% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5610% | 405 |
| Memoranda: | ||
| Average total assets | $1,504,127,000 | 703 |
| Average earning assets | $1,435,016,500 | 685 |
| Average equity | $111,118,500 | 893 |
| Average total loans | $327,029,500 | 1,611 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7497% | 4,673 |
| Cost of funding earning assets | 0.0567% | 4,552 |
| Net interest margin | 1.6931% | 4,656 |
| Noninterest income to average assets | 2.8879% | 160 |
| Noninterest expense to average assets | 2.3239% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1791% | 165 |
| Return on assets (ROA) | 2.1791% | 165 |
| Pretax return on assets | 2.1791% | 256 |
| Return on Equity (ROE) | 28.1113% | 74 |
| Retained earnings to average equity (ytd only) | 14.0556% | 356 |
| Net charge-offs to loans | 0.0025% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3,850.0000% | 18 |
| Efficiency ratio | 51.6073% | 4,158 |
| Assets per employee ($millions) | 8.9849% | 894 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,137 |
| Loan loss allowance to noncurrent loans | 280.8779% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,606 |
| Noncurrent loans to loans | 0.5718% | 1,480 |
| Net loans and leases to total assets | 24.8101% | 4,581 |
| Net loans and leases to deposits | 27.3368% | 4,594 |
| Net loans and leases to core deposits | 34.4485% | 4,470 |
| Total domestic deposits to total assets | 90.7570% | 1,358 |
| Equity capital to assets | 8.1379% | 3,015 |
| Core capital (leverage) ratio | 7.6688% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7802% | 432 |
| Memoranda: | ||
| Average total assets | $1,413,415,333 | 736 |
| Average earning assets | $1,348,313,000 | 714 |
| Average equity | $109,564,667 | 906 |
| Average total loans | $320,648,667 | 1,628 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4681% | 4,723 |
| Cost of funding earning assets | 0.0537% | 4,569 |
| Net interest margin | 1.4143% | 4,711 |
| Noninterest income to average assets | 2.7315% | 170 |
| Noninterest expense to average assets | 2.0827% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0006% | 223 |
| Return on assets (ROA) | 2.0006% | 223 |
| Pretax return on assets | 2.0006% | 358 |
| Return on Equity (ROE) | 26.4399% | 81 |
| Retained earnings to average equity (ytd only) | 13.1572% | 452 |
| Net charge-offs to loans | 0.0052% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,791.5000% | 33 |
| Efficiency ratio | 51.0051% | 4,257 |
| Assets per employee ($millions) | 9.5237% | 769 |
| Cash dividends to net income (ytd only)* | 50.2372% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 914 |
| Loan loss allowance to noncurrent loans | 287.4032% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 2,717 |
| Noncurrent loans to loans | 0.6186% | 1,515 |
| Net loans and leases to total assets | 22.2710% | 4,641 |
| Net loans and leases to deposits | 24.4796% | 4,659 |
| Net loans and leases to core deposits | 31.0699% | 4,557 |
| Total domestic deposits to total assets | 90.9777% | 1,049 |
| Equity capital to assets | 7.9082% | 3,637 |
| Core capital (leverage) ratio | 7.7067% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1220% | 325 |
| Memoranda: | ||
| Average total assets | $1,432,779,500 | 725 |
| Average earning assets | $1,369,417,500 | 708 |
| Average equity | $108,412,000 | 941 |
| Average total loans | $307,659,000 | 1,671 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7261% | 4,728 |
| Cost of funding earning assets | 0.0687% | 4,597 |
| Net interest margin | 1.6574% | 4,696 |
| Noninterest income to average assets | 2.9105% | 192 |
| Noninterest expense to average assets | 2.1458% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.3476% | 190 |
| Return on assets (ROA) | 2.3465% | 200 |
| Pretax return on assets | 2.3465% | 320 |
| Return on Equity (ROE) | 29.5141% | 72 |
| Retained earnings to average equity (ytd only) | 15.8761% | 181 |
| Net charge-offs to loans | -0.0908% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7549% | 4,422 |
| Assets per employee ($millions) | 11.2472% | 474 |
| Cash dividends to net income (ytd only)* | 46.2085% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 805 |
| Loan loss allowance to noncurrent loans | 288.5034% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 2,938 |
| Noncurrent loans to loans | 0.6390% | 1,560 |
| Net loans and leases to total assets | 19.9803% | 4,716 |
| Net loans and leases to deposits | 21.8252% | 4,729 |
| Net loans and leases to core deposits | 28.1457% | 4,672 |
| Total domestic deposits to total assets | 91.5469% | 302 |
| Equity capital to assets | 7.2488% | 4,667 |
| Core capital (leverage) ratio | 7.2537% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3935% | 295 |
| Memoranda: | ||
| Average total assets | $1,258,909,400 | 791 |
| Average earning assets | $1,202,364,800 | 767 |
| Average equity | $100,087,600 | 1,010 |
| Average total loans | $310,503,400 | 1,665 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7849% | 4,798 |
| Cost of funding earning assets | 0.0723% | 4,678 |
| Net interest margin | 1.7127% | 4,767 |
| Noninterest income to average assets | 2.9459% | 200 |
| Noninterest expense to average assets | 2.1844% | 3,119 |
| Loan and lease loss provision to assets | 0.0133% | 2,724 |
| Net operating income to assets | 2.3826% | 249 |
| Return on assets (ROA) | 2.3810% | 261 |
| Pretax return on assets | 2.3810% | 403 |
| Return on Equity (ROE) | 29.1545% | 105 |
| Retained earnings to average equity (ytd only) | 15.6458% | 324 |
| Net charge-offs to loans | 0.0542% | 1,112 |
| Credit loss provision to net charge-offs | 94.4882% | 1,634 |
| Earnings coverage of net charge-offs (x) | 170.1417% | 616 |
| Efficiency ratio | 47.6918% | 4,388 |
| Assets per employee ($millions) | 9.5356% | 757 |
| Cash dividends to net income (ytd only)* | 46.3351% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 1,014 |
| Loan loss allowance to noncurrent loans | 272.4085% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,989 |
| Noncurrent loans to loans | 0.6420% | 1,702 |
| Net loans and leases to total assets | 23.7553% | 4,745 |
| Net loans and leases to deposits | 26.3782% | 4,760 |
| Net loans and leases to core deposits | 31.6823% | 4,693 |
| Total domestic deposits to total assets | 90.0565% | 753 |
| Equity capital to assets | 8.3110% | 4,335 |
| Core capital (leverage) ratio | 8.0571% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1213% | 334 |
| Memoranda: | ||
| Average total assets | $1,202,480,000 | 835 |
| Average earning assets | $1,147,507,000 | 815 |
| Average equity | $98,205,250 | 1,044 |
| Average total loans | $312,578,250 | 1,679 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7245% | 4,848 |
| Cost of funding earning assets | 0.0744% | 4,719 |
| Net interest margin | 1.6502% | 4,822 |
| Noninterest income to average assets | 2.9010% | 199 |
| Noninterest expense to average assets | 2.2034% | 3,082 |
| Loan and lease loss provision to assets | 0.0202% | 2,557 |
| Net operating income to assets | 2.2515% | 307 |
| Return on assets (ROA) | 2.2515% | 328 |
| Pretax return on assets | 2.2515% | 523 |
| Return on Equity (ROE) | 27.7409% | 132 |
| Retained earnings to average equity (ytd only) | 15.3881% | 383 |
| Net charge-offs to loans | 0.0038% | 2,022 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 2,247.0000% | 42 |
| Efficiency ratio | 49.2356% | 4,296 |
| Assets per employee ($millions) | 9.7045% | 671 |
| Cash dividends to net income (ytd only)* | 44.5293% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 1,031 |
| Loan loss allowance to noncurrent loans | 226.5409% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,859 |
| Noncurrent loans to loans | 0.7571% | 1,587 |
| Net loans and leases to total assets | 25.9382% | 4,749 |
| Net loans and leases to deposits | 28.6794% | 4,777 |
| Net loans and leases to core deposits | 35.9299% | 4,673 |
| Total domestic deposits to total assets | 90.4419% | 583 |
| Equity capital to assets | 8.3788% | 4,298 |
| Core capital (leverage) ratio | 8.1968% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6524% | 349 |
| Memoranda: | ||
| Average total assets | $1,186,919,667 | 840 |
| Average earning assets | $1,132,245,667 | 817 |
| Average equity | $96,334,333 | 1,052 |
| Average total loans | $316,096,333 | 1,674 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7410% | 4,877 |
| Cost of funding earning assets | 0.0723% | 4,786 |
| Net interest margin | 1.6686% | 4,846 |
| Noninterest income to average assets | 2.4895% | 266 |
| Noninterest expense to average assets | 2.0291% | 3,628 |
| Loan and lease loss provision to assets | 0.0203% | 2,519 |
| Net operating income to assets | 2.0305% | 551 |
| Return on assets (ROA) | 2.0305% | 592 |
| Pretax return on assets | 2.0305% | 905 |
| Return on Equity (ROE) | 25.4322% | 245 |
| Retained earnings to average equity (ytd only) | 12.9447% | 921 |
| Net charge-offs to loans | 0.0114% | 1,523 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 674.2222% | 142 |
| Efficiency ratio | 49.7349% | 4,208 |
| Assets per employee ($millions) | 9.6121% | 674 |
| Cash dividends to net income (ytd only)* | 49.1012% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 1,106 |
| Loan loss allowance to noncurrent loans | 223.9933% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,062 |
| Noncurrent loans to loans | 0.7473% | 1,741 |
| Net loans and leases to total assets | 26.5313% | 4,781 |
| Net loans and leases to deposits | 29.4038% | 4,800 |
| Net loans and leases to core deposits | 36.8201% | 4,691 |
| Total domestic deposits to total assets | 90.2308% | 706 |
| Equity capital to assets | 8.1150% | 4,422 |
| Core capital (leverage) ratio | 8.4433% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0046% | 323 |
| Memoranda: | ||
| Average total assets | $1,183,552,000 | 834 |
| Average earning assets | $1,128,108,500 | 811 |
| Average equity | $94,494,500 | 1,057 |
| Average total loans | $316,636,500 | 1,678 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6653% | 4,803 |
| Cost of funding earning assets | 0.1346% | 4,776 |
| Net interest margin | 2.5307% | 4,560 |
| Noninterest income to average assets | 3.0890% | 182 |
| Noninterest expense to average assets | 2.6526% | 2,378 |
| Loan and lease loss provision to assets | 0.1536% | 2,455 |
| Net operating income to assets | 2.6580% | 122 |
| Return on assets (ROA) | 2.6580% | 126 |
| Pretax return on assets | 2.6580% | 160 |
| Return on Equity (ROE) | 28.9343% | 73 |
| Retained earnings to average equity (ytd only) | 21.1750% | 57 |
| Net charge-offs to loans | 0.0645% | 1,852 |
| Credit loss provision to net charge-offs | 618.8119% | 1,083 |
| Earnings coverage of net charge-offs (x) | 113.2574% | 732 |
| Efficiency ratio | 48.5448% | 4,607 |
| Assets per employee ($millions) | 9.9564% | 539 |
| Cash dividends to net income (ytd only)* | 26.8171% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,077 |
| Loan loss allowance to noncurrent loans | 220.9273% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,204 |
| Noncurrent loans to loans | 0.7618% | 1,802 |
| Net loans and leases to total assets | 26.0773% | 4,822 |
| Net loans and leases to deposits | 28.8143% | 4,850 |
| Net loans and leases to core deposits | 37.9375% | 4,741 |
| Total domestic deposits to total assets | 90.5011% | 378 |
| Equity capital to assets | 7.8532% | 4,759 |
| Core capital (leverage) ratio | 9.1066% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9308% | 352 |
| Memoranda: | ||
| Average total assets | $813,703,400 | 1,041 |
| Average earning assets | $763,704,000 | 1,028 |
| Average equity | $74,748,600 | 1,223 |
| Average total loans | $312,939,200 | 1,640 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0554% | 4,696 |
| Cost of funding earning assets | 0.1583% | 4,780 |
| Net interest margin | 2.8971% | 4,187 |
| Noninterest income to average assets | 3.4806% | 154 |
| Noninterest expense to average assets | 2.9395% | 1,590 |
| Loan and lease loss provision to assets | 0.1942% | 2,035 |
| Net operating income to assets | 3.0506% | 88 |
| Return on assets (ROA) | 3.0506% | 95 |
| Pretax return on assets | 3.0506% | 119 |
| Return on Equity (ROE) | 31.3402% | 53 |
| Retained earnings to average equity (ytd only) | 20.3203% | 78 |
| Net charge-offs to loans | 0.0836% | 1,472 |
| Credit loss provision to net charge-offs | 535.7143% | 1,237 |
| Earnings coverage of net charge-offs (x) | 89.5153% | 853 |
| Efficiency ratio | 47.5313% | 4,639 |
| Assets per employee ($millions) | 6.6031% | 1,751 |
| Cash dividends to net income (ytd only)* | 35.1622% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,331 |
| Loan loss allowance to noncurrent loans | 114.5201% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 1,946 |
| Noncurrent loans to loans | 1.3254% | 1,113 |
| Net loans and leases to total assets | 42.4275% | 4,483 |
| Net loans and leases to deposits | 48.1664% | 4,548 |
| Net loans and leases to core deposits | 56.1705% | 4,378 |
| Total domestic deposits to total assets | 88.0853% | 1,182 |
| Equity capital to assets | 9.7193% | 3,499 |
| Core capital (leverage) ratio | 9.0172% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7981% | 526 |
| Memoranda: | ||
| Average total assets | $720,926,000 | 1,131 |
| Average earning assets | $672,796,500 | 1,124 |
| Average equity | $70,174,250 | 1,281 |
| Average total loans | $312,610,000 | 1,635 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 4,707 |
| Cost of funding earning assets | 0.1755% | 4,819 |
| Net interest margin | 3.0424% | 4,034 |
| Noninterest income to average assets | 3.2236% | 149 |
| Noninterest expense to average assets | 2.9784% | 1,638 |
| Loan and lease loss provision to assets | 0.2138% | 1,940 |
| Net operating income to assets | 2.8681% | 99 |
| Return on assets (ROA) | 2.8681% | 102 |
| Pretax return on assets | 2.8681% | 135 |
| Return on Equity (ROE) | 29.4485% | 63 |
| Retained earnings to average equity (ytd only) | 20.6666% | 84 |
| Net charge-offs to loans | 0.0066% | 2,729 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 1,081.0000% | 83 |
| Efficiency ratio | 49.1462% | 4,552 |
| Assets per employee ($millions) | 7.5260% | 1,166 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,336 |
| Loan loss allowance to noncurrent loans | 100.7280% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 1,959 |
| Noncurrent loans to loans | 1.4683% | 1,037 |
| Net loans and leases to total assets | 40.0790% | 4,600 |
| Net loans and leases to deposits | 44.6642% | 4,687 |
| Net loans and leases to core deposits | 49.7203% | 4,624 |
| Total domestic deposits to total assets | 89.7341% | 479 |
| Equity capital to assets | 8.6980% | 4,354 |
| Core capital (leverage) ratio | 8.9159% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6923% | 610 |
| Memoranda: | ||
| Average total assets | $701,514,000 | 1,139 |
| Average earning assets | $654,081,333 | 1,131 |
| Average equity | $68,322,667 | 1,298 |
| Average total loans | $304,922,000 | 1,649 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,319 |
| Cost of funding earning assets | 0.2381% | 4,803 |
| Net interest margin | 3.5017% | 2,982 |
| Noninterest income to average assets | 3.2766% | 137 |
| Noninterest expense to average assets | 3.3393% | 1,157 |
| Loan and lease loss provision to assets | 0.2193% | 1,413 |
| Net operating income to assets | 2.9614% | 67 |
| Return on assets (ROA) | 2.9614% | 68 |
| Pretax return on assets | 2.9614% | 95 |
| Return on Equity (ROE) | 28.4354% | 39 |
| Retained earnings to average equity (ytd only) | 16.4018% | 132 |
| Net charge-offs to loans | 0.0125% | 2,135 |
| Credit loss provision to net charge-offs | 3,888.8889% | 208 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 104 |
| Efficiency ratio | 51.2158% | 4,599 |
| Assets per employee ($millions) | 5.4630% | 2,166 |
| Cash dividends to net income (ytd only)* | 42.3191% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,101 |
| Loan loss allowance to noncurrent loans | 92.4723% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 1,663 |
| Noncurrent loans to loans | 1.7179% | 880 |
| Net loans and leases to total assets | 44.7924% | 4,478 |
| Net loans and leases to deposits | 51.4729% | 4,541 |
| Net loans and leases to core deposits | 58.9289% | 4,401 |
| Total domestic deposits to total assets | 87.0214% | 1,546 |
| Equity capital to assets | 10.7587% | 3,089 |
| Core capital (leverage) ratio | 10.1867% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9305% | 874 |
| Memoranda: | ||
| Average total assets | $638,341,000 | 1,201 |
| Average earning assets | $591,259,500 | 1,201 |
| Average equity | $66,480,500 | 1,319 |
| Average total loans | $288,993,500 | 1,683 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 4,020 |
| Cost of funding earning assets | 0.3173% | 4,691 |
| Net interest margin | 3.7910% | 2,529 |
| Noninterest income to average assets | 3.0177% | 150 |
| Noninterest expense to average assets | 3.0504% | 1,878 |
| Loan and lease loss provision to assets | 0.4182% | 336 |
| Net operating income to assets | 3.0529% | 75 |
| Return on assets (ROA) | 3.0527% | 77 |
| Pretax return on assets | 3.0527% | 96 |
| Return on Equity (ROE) | 29.9010% | 40 |
| Retained earnings to average equity (ytd only) | 18.5429% | 45 |
| Net charge-offs to loans | 0.9570% | 167 |
| Credit loss provision to net charge-offs | 89.2054% | 2,664 |
| Earnings coverage of net charge-offs (x) | 7.4048% | 2,880 |
| Efficiency ratio | 46.7751% | 4,883 |
| Assets per employee ($millions) | 6.0658% | 1,589 |
| Cash dividends to net income (ytd only)* | 37.9856% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,328 |
| Loan loss allowance to noncurrent loans | 82.7512% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,544 |
| Noncurrent loans to loans | 1.7700% | 766 |
| Net loans and leases to total assets | 44.3736% | 4,590 |
| Net loans and leases to deposits | 50.4757% | 4,669 |
| Net loans and leases to core deposits | 58.1022% | 4,522 |
| Total domestic deposits to total assets | 87.9108% | 1,168 |
| Equity capital to assets | 10.0754% | 3,854 |
| Core capital (leverage) ratio | 10.1781% | 3,325 |
| Tier 1 risk-based capital ratio | 17.8476% | 1,799 |
| Total risk-based capital ratio | 19.0381% | 1,767 |
| Memoranda: | ||
| Average total assets | $569,166,800 | 1,271 |
| Average earning assets | $526,033,600 | 1,276 |
| Average equity | $58,108,400 | 1,397 |
| Average total loans | $278,781,400 | 1,693 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 3,724 |
| Cost of funding earning assets | 0.3317% | 4,717 |
| Net interest margin | 3.9467% | 2,114 |
| Noninterest income to average assets | 2.9319% | 160 |
| Noninterest expense to average assets | 3.1149% | 1,683 |
| Loan and lease loss provision to assets | 0.3523% | 385 |
| Net operating income to assets | 3.1088% | 74 |
| Return on assets (ROA) | 3.1088% | 78 |
| Pretax return on assets | 3.1088% | 103 |
| Return on Equity (ROE) | 30.3347% | 40 |
| Retained earnings to average equity (ytd only) | 14.7433% | 165 |
| Net charge-offs to loans | 0.9770% | 150 |
| Credit loss provision to net charge-offs | 71.9229% | 2,597 |
| Earnings coverage of net charge-offs (x) | 7.0667% | 2,779 |
| Efficiency ratio | 47.3676% | 4,887 |
| Assets per employee ($millions) | 5.6130% | 1,922 |
| Cash dividends to net income (ytd only)* | 51.3979% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,343 |
| Loan loss allowance to noncurrent loans | 69.9947% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 1,281 |
| Noncurrent loans to loans | 2.0942% | 634 |
| Net loans and leases to total assets | 47.4360% | 4,526 |
| Net loans and leases to deposits | 54.5573% | 4,604 |
| Net loans and leases to core deposits | 60.7526% | 4,506 |
| Total domestic deposits to total assets | 86.9470% | 1,546 |
| Equity capital to assets | 10.7224% | 3,359 |
| Core capital (leverage) ratio | 10.5767% | 3,029 |
| Tier 1 risk-based capital ratio | 17.3611% | 1,978 |
| Total risk-based capital ratio | 18.5258% | 1,963 |
| Memoranda: | ||
| Average total assets | $550,716,000 | 1,307 |
| Average earning assets | $508,496,750 | 1,319 |
| Average equity | $56,440,000 | 1,431 |
| Average total loans | $276,089,250 | 1,719 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 3,637 |
| Cost of funding earning assets | 0.3273% | 4,748 |
| Net interest margin | 3.9709% | 2,011 |
| Noninterest income to average assets | 2.8151% | 172 |
| Noninterest expense to average assets | 3.1784% | 1,554 |
| Loan and lease loss provision to assets | 0.3947% | 308 |
| Net operating income to assets | 2.9138% | 94 |
| Return on assets (ROA) | 2.9138% | 97 |
| Pretax return on assets | 2.9138% | 134 |
| Return on Equity (ROE) | 28.8884% | 48 |
| Retained earnings to average equity (ytd only) | 14.0311% | 227 |
| Net charge-offs to loans | 1.4458% | 82 |
| Credit loss provision to net charge-offs | 53.7313% | 2,444 |
| Earnings coverage of net charge-offs (x) | 4.5035% | 2,735 |
| Efficiency ratio | 48.9971% | 4,838 |
| Assets per employee ($millions) | 5.7459% | 1,748 |
| Cash dividends to net income (ytd only)* | 51.4300% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,857 |
| Loan loss allowance to noncurrent loans | 60.1538% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 1,248 |
| Noncurrent loans to loans | 2.2257% | 601 |
| Net loans and leases to total assets | 47.0988% | 4,597 |
| Net loans and leases to deposits | 53.4594% | 4,700 |
| Net loans and leases to core deposits | 62.0698% | 4,498 |
| Total domestic deposits to total assets | 88.1020% | 1,054 |
| Equity capital to assets | 10.2610% | 3,735 |
| Core capital (leverage) ratio | 10.5848% | 2,994 |
| Tier 1 risk-based capital ratio | 17.0076% | 2,088 |
| Total risk-based capital ratio | 18.0876% | 2,076 |
| Memoranda: | ||
| Average total assets | $547,186,670 | 1,317 |
| Average earning assets | $505,977,000 | 1,324 |
| Average equity | $55,191,670 | 1,447 |
| Average total loans | $278,045,330 | 1,723 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 3,576 |
| Cost of funding earning assets | 0.3180% | 4,786 |
| Net interest margin | 3.9775% | 1,923 |
| Noninterest income to average assets | 2.5243% | 187 |
| Noninterest expense to average assets | 3.1601% | 1,597 |
| Loan and lease loss provision to assets | 0.1521% | 1,105 |
| Net operating income to assets | 2.8863% | 92 |
| Return on assets (ROA) | 2.8863% | 100 |
| Pretax return on assets | 2.8863% | 144 |
| Return on Equity (ROE) | 28.8770% | 54 |
| Retained earnings to average equity (ytd only) | 5.8704% | 2,509 |
| Net charge-offs to loans | 0.5844% | 254 |
| Credit loss provision to net charge-offs | 49.6368% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.9177% | 1,992 |
| Efficiency ratio | 50.9813% | 4,763 |
| Assets per employee ($millions) | 5.6449% | 1,847 |
| Cash dividends to net income (ytd only)* | 79.6710% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,230 |
| Loan loss allowance to noncurrent loans | 57.5366% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3912% | 908 |
| Noncurrent loans to loans | 2.6646% | 466 |
| Net loans and leases to total assets | 50.1662% | 4,455 |
| Net loans and leases to deposits | 56.9743% | 4,550 |
| Net loans and leases to core deposits | 65.9826% | 4,281 |
| Total domestic deposits to total assets | 88.0506% | 1,314 |
| Equity capital to assets | 9.8245% | 3,993 |
| Core capital (leverage) ratio | 10.3131% | 3,261 |
| Tier 1 risk-based capital ratio | 15.6190% | 2,603 |
| Total risk-based capital ratio | 16.8692% | 2,527 |
| Memoranda: | ||
| Average total assets | $539,228,500 | 1,341 |
| Average earning assets | $498,096,500 | 1,342 |
| Average equity | $53,897,500 | 1,475 |
| Average total loans | $282,661,000 | 1,710 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 3,329 |
| Cost of funding earning assets | 0.3259% | 4,433 |
| Net interest margin | 3.9109% | 2,295 |
| Noninterest income to average assets | 2.1530% | 242 |
| Noninterest expense to average assets | 3.1174% | 1,751 |
| Loan and lease loss provision to assets | 0.2777% | 602 |
| Net operating income to assets | 2.3746% | 180 |
| Return on assets (ROA) | 2.3740% | 177 |
| Pretax return on assets | 2.3740% | 255 |
| Return on Equity (ROE) | 23.4697% | 117 |
| Retained earnings to average equity (ytd only) | 10.4960% | 527 |
| Net charge-offs to loans | 0.5428% | 327 |
| Credit loss provision to net charge-offs | 91.7210% | 2,699 |
| Earnings coverage of net charge-offs (x) | 8.7614% | 2,866 |
| Efficiency ratio | 54.0309% | 4,617 |
| Assets per employee ($millions) | 5.5290% | 1,929 |
| Cash dividends to net income (ytd only)* | 55.2785% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,038 |
| Loan loss allowance to noncurrent loans | 56.5489% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 678 |
| Noncurrent loans to loans | 2.8252% | 384 |
| Net loans and leases to total assets | 53.1078% | 4,345 |
| Net loans and leases to deposits | 60.6958% | 4,443 |
| Net loans and leases to core deposits | 68.4619% | 4,210 |
| Total domestic deposits to total assets | 87.4983% | 1,539 |
| Equity capital to assets | 10.1752% | 3,497 |
| Core capital (leverage) ratio | 10.3341% | 3,217 |
| Tier 1 risk-based capital ratio | 15.3194% | 2,690 |
| Total risk-based capital ratio | 16.5701% | 2,618 |
| Memoranda: | ||
| Average total assets | $506,733,600 | 1,396 |
| Average earning assets | $468,614,800 | 1,391 |
| Average equity | $51,257,600 | 1,479 |
| Average total loans | $282,622,200 | 1,663 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 3,342 |
| Cost of funding earning assets | 0.3205% | 4,377 |
| Net interest margin | 3.8733% | 2,395 |
| Noninterest income to average assets | 2.1443% | 251 |
| Noninterest expense to average assets | 2.9202% | 2,252 |
| Loan and lease loss provision to assets | 0.3441% | 396 |
| Net operating income to assets | 2.4650% | 170 |
| Return on assets (ROA) | 2.4650% | 170 |
| Pretax return on assets | 2.4650% | 250 |
| Return on Equity (ROE) | 24.4072% | 97 |
| Retained earnings to average equity (ytd only) | 11.6554% | 532 |
| Net charge-offs to loans | 0.7238% | 196 |
| Credit loss provision to net charge-offs | 84.5401% | 2,476 |
| Earnings coverage of net charge-offs (x) | 6.9008% | 2,842 |
| Efficiency ratio | 50.9687% | 4,884 |
| Assets per employee ($millions) | 5.5142% | 1,905 |
| Cash dividends to net income (ytd only)* | 52.2461% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,251 |
| Loan loss allowance to noncurrent loans | 51.9760% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.7737% | 664 |
| Noncurrent loans to loans | 2.9474% | 376 |
| Net loans and leases to total assets | 55.3866% | 4,266 |
| Net loans and leases to deposits | 63.5447% | 4,359 |
| Net loans and leases to core deposits | 74.4472% | 3,916 |
| Total domestic deposits to total assets | 87.1617% | 1,662 |
| Equity capital to assets | 10.1727% | 3,472 |
| Core capital (leverage) ratio | 10.4204% | 3,165 |
| Tier 1 risk-based capital ratio | 14.9683% | 2,900 |
| Total risk-based capital ratio | 16.2186% | 2,818 |
| Memoranda: | ||
| Average total assets | $502,102,500 | 1,408 |
| Average earning assets | $464,737,500 | 1,407 |
| Average equity | $50,710,500 | 1,497 |
| Average total loans | $282,407,250 | 1,678 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,305 |
| Cost of funding earning assets | 0.3074% | 4,372 |
| Net interest margin | 3.8348% | 2,430 |
| Noninterest income to average assets | 1.9955% | 276 |
| Noninterest expense to average assets | 2.8917% | 2,377 |
| Loan and lease loss provision to assets | 0.4754% | 242 |
| Net operating income to assets | 2.1820% | 268 |
| Return on assets (ROA) | 2.1820% | 261 |
| Pretax return on assets | 2.1820% | 403 |
| Return on Equity (ROE) | 21.6587% | 175 |
| Retained earnings to average equity (ytd only) | 16.2828% | 148 |
| Net charge-offs to loans | 1.0906% | 120 |
| Credit loss provision to net charge-offs | 77.5016% | 2,285 |
| Earnings coverage of net charge-offs (x) | 4.3322% | 2,800 |
| Efficiency ratio | 52.1110% | 4,879 |
| Assets per employee ($millions) | 5.2097% | 2,184 |
| Cash dividends to net income (ytd only)* | 24.8207% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,393 |
| Loan loss allowance to noncurrent loans | 108.3689% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 1,613 |
| Noncurrent loans to loans | 1.3847% | 1,225 |
| Net loans and leases to total assets | 57.7971% | 4,011 |
| Net loans and leases to deposits | 66.1491% | 4,157 |
| Net loans and leases to core deposits | 77.0768% | 3,658 |
| Total domestic deposits to total assets | 87.3740% | 1,696 |
| Equity capital to assets | 10.6442% | 2,975 |
| Core capital (leverage) ratio | 10.3663% | 3,167 |
| Tier 1 risk-based capital ratio | 15.0627% | 2,846 |
| Total risk-based capital ratio | 16.3127% | 2,771 |
| Memoranda: | ||
| Average total assets | $498,528,670 | 1,419 |
| Average earning assets | $461,976,670 | 1,418 |
| Average equity | $50,224,670 | 1,516 |
| Average total loans | $280,391,330 | 1,690 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,550 |
| Cost of funding earning assets | 0.2885% | 4,429 |
| Net interest margin | 3.7270% | 2,701 |
| Noninterest income to average assets | 1.7036% | 345 |
| Noninterest expense to average assets | 2.8234% | 2,623 |
| Loan and lease loss provision to assets | 0.0883% | 2,037 |
| Net operating income to assets | 2.2548% | 220 |
| Return on assets (ROA) | 2.2548% | 218 |
| Pretax return on assets | 2.2548% | 344 |
| Return on Equity (ROE) | 23.0142% | 129 |
| Retained earnings to average equity (ytd only) | 12.0550% | 677 |
| Net charge-offs to loans | -0.0144% | 4,402 |
| Credit loss provision to net charge-offs | -1,110.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6490% | 4,721 |
| Assets per employee ($millions) | 5.7491% | 1,724 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 898 |
| Loan loss allowance to noncurrent loans | 79.4842% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 1,234 |
| Noncurrent loans to loans | 2.1743% | 698 |
| Net loans and leases to total assets | 53.6911% | 4,314 |
| Net loans and leases to deposits | 60.9310% | 4,408 |
| Net loans and leases to core deposits | 68.6330% | 4,179 |
| Total domestic deposits to total assets | 88.1178% | 1,551 |
| Equity capital to assets | 9.8433% | 3,754 |
| Core capital (leverage) ratio | 9.9970% | 3,542 |
| Tier 1 risk-based capital ratio | 15.1043% | 2,826 |
| Total risk-based capital ratio | 16.3571% | 2,759 |
| Memoranda: | ||
| Average total assets | $502,936,500 | 1,416 |
| Average earning assets | $467,287,000 | 1,412 |
| Average equity | $49,274,000 | 1,554 |
| Average total loans | $276,911,000 | 1,707 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,007 |
| Cost of funding earning assets | 0.3291% | 3,884 |
| Net interest margin | 3.7855% | 2,475 |
| Noninterest income to average assets | 1.3718% | 557 |
| Noninterest expense to average assets | 2.7412% | 2,992 |
| Loan and lease loss provision to assets | 0.4959% | 265 |
| Net operating income to assets | 1.6212% | 627 |
| Return on assets (ROA) | 1.6235% | 640 |
| Pretax return on assets | 1.6235% | 1,229 |
| Return on Equity (ROE) | 16.3253% | 444 |
| Retained earnings to average equity (ytd only) | 9.2347% | 469 |
| Net charge-offs to loans | 0.3662% | 695 |
| Credit loss provision to net charge-offs | 227.8530% | 1,216 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,756 |
| Efficiency ratio | 56.4230% | 4,722 |
| Assets per employee ($millions) | 5.4343% | 2,007 |
| Cash dividends to net income (ytd only)* | 43.4332% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 981 |
| Loan loss allowance to noncurrent loans | 76.9587% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 1,168 |
| Noncurrent loans to loans | 2.1809% | 672 |
| Net loans and leases to total assets | 54.5561% | 4,310 |
| Net loans and leases to deposits | 62.1055% | 4,441 |
| Net loans and leases to core deposits | 68.8159% | 4,246 |
| Total domestic deposits to total assets | 87.8443% | 1,588 |
| Equity capital to assets | 9.7507% | 3,964 |
| Core capital (leverage) ratio | 9.6759% | 3,840 |
| Tier 1 risk-based capital ratio | 14.7737% | 2,948 |
| Total risk-based capital ratio | 16.0263% | 2,881 |
| Memoranda: | ||
| Average total assets | $475,081,200 | 1,464 |
| Average earning assets | $437,562,000 | 1,484 |
| Average equity | $47,245,600 | 1,591 |
| Average total loans | $282,378,000 | 1,644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,748 |
| Cost of funding earning assets | 0.3366% | 3,803 |
| Net interest margin | 3.8246% | 2,303 |
| Noninterest income to average assets | 1.3101% | 621 |
| Noninterest expense to average assets | 2.7115% | 3,024 |
| Loan and lease loss provision to assets | 0.0802% | 2,483 |
| Net operating income to assets | 2.0310% | 305 |
| Return on assets (ROA) | 2.0310% | 310 |
| Pretax return on assets | 2.0310% | 514 |
| Return on Equity (ROE) | 20.3168% | 209 |
| Retained earnings to average equity (ytd only) | 10.7871% | 445 |
| Net charge-offs to loans | 0.0179% | 3,142 |
| Credit loss provision to net charge-offs | 742.1053% | 467 |
| Earnings coverage of net charge-offs (x) | 195.3507% | 444 |
| Efficiency ratio | 56.2238% | 4,714 |
| Assets per employee ($millions) | 5.2668% | 2,154 |
| Cash dividends to net income (ytd only)* | 46.9057% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,581 |
| Loan loss allowance to noncurrent loans | 213.8673% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,492 |
| Noncurrent loans to loans | 0.5889% | 2,935 |
| Net loans and leases to total assets | 57.8947% | 4,069 |
| Net loans and leases to deposits | 66.1709% | 4,238 |
| Net loans and leases to core deposits | 74.4873% | 3,927 |
| Total domestic deposits to total assets | 87.4927% | 1,630 |
| Equity capital to assets | 10.0918% | 3,812 |
| Core capital (leverage) ratio | 9.9275% | 3,653 |
| Tier 1 risk-based capital ratio | 14.2002% | 3,351 |
| Total risk-based capital ratio | 15.2845% | 3,341 |
| Memoranda: | ||
| Average total assets | $468,862,750 | 1,495 |
| Average earning assets | $430,605,750 | 1,516 |
| Average equity | $46,869,750 | 1,617 |
| Average total loans | $283,619,500 | 1,647 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 2,858 |
| Cost of funding earning assets | 0.3428% | 3,656 |
| Net interest margin | 3.7476% | 2,479 |
| Noninterest income to average assets | 1.2946% | 620 |
| Noninterest expense to average assets | 2.7177% | 3,027 |
| Loan and lease loss provision to assets | 0.0738% | 2,495 |
| Net operating income to assets | 1.9408% | 343 |
| Return on assets (ROA) | 1.9408% | 353 |
| Pretax return on assets | 1.9408% | 600 |
| Return on Equity (ROE) | 19.4791% | 241 |
| Retained earnings to average equity (ytd only) | 9.3044% | 760 |
| Net charge-offs to loans | 0.0127% | 3,010 |
| Credit loss provision to net charge-offs | 950.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 259.4444% | 330 |
| Efficiency ratio | 57.4294% | 4,662 |
| Assets per employee ($millions) | 5.2051% | 2,150 |
| Cash dividends to net income (ytd only)* | 52.2338% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,087 |
| Loan loss allowance to noncurrent loans | 112.5928% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 2,443 |
| Noncurrent loans to loans | 1.0564% | 1,860 |
| Net loans and leases to total assets | 62.5301% | 3,572 |
| Net loans and leases to deposits | 71.4769% | 3,787 |
| Net loans and leases to core deposits | 80.2647% | 3,403 |
| Total domestic deposits to total assets | 87.4829% | 1,732 |
| Equity capital to assets | 10.2350% | 3,634 |
| Core capital (leverage) ratio | 9.8219% | 3,748 |
| Tier 1 risk-based capital ratio | 13.2341% | 3,851 |
| Total risk-based capital ratio | 14.2548% | 3,912 |
| Memoranda: | ||
| Average total assets | $463,633,670 | 1,510 |
| Average earning assets | $425,280,000 | 1,535 |
| Average equity | $46,193,000 | 1,643 |
| Average total loans | $283,457,000 | 1,646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,244 |
| Cost of funding earning assets | 0.3426% | 3,605 |
| Net interest margin | 3.5965% | 2,895 |
| Noninterest income to average assets | 1.2393% | 667 |
| Noninterest expense to average assets | 2.6588% | 3,282 |
| Loan and lease loss provision to assets | 0.0517% | 2,775 |
| Net operating income to assets | 1.8240% | 425 |
| Return on assets (ROA) | 1.8240% | 437 |
| Pretax return on assets | 1.8240% | 749 |
| Return on Equity (ROE) | 18.5598% | 307 |
| Retained earnings to average equity (ytd only) | 6.7131% | 1,971 |
| Net charge-offs to loans | 0.0861% | 1,486 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 1,098 |
| Efficiency ratio | 58.6345% | 4,641 |
| Assets per employee ($millions) | 5.2018% | 2,185 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,268 |
| Loan loss allowance to noncurrent loans | 112.0296% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,561 |
| Noncurrent loans to loans | 1.0517% | 1,953 |
| Net loans and leases to total assets | 60.4006% | 3,744 |
| Net loans and leases to deposits | 69.7315% | 3,828 |
| Net loans and leases to core deposits | 78.2426% | 3,444 |
| Total domestic deposits to total assets | 86.6188% | 2,391 |
| Equity capital to assets | 9.9400% | 3,827 |
| Core capital (leverage) ratio | 9.7507% | 3,812 |
| Tier 1 risk-based capital ratio | 13.2049% | 3,947 |
| Total risk-based capital ratio | 14.2094% | 3,997 |
| Memoranda: | ||
| Average total assets | $463,823,500 | 1,517 |
| Average earning assets | $424,973,500 | 1,544 |
| Average equity | $45,582,500 | 1,661 |
| Average total loans | $278,605,500 | 1,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 2,642 |
| Cost of funding earning assets | 0.4161% | 2,851 |
| Net interest margin | 3.7393% | 2,539 |
| Noninterest income to average assets | 1.2968% | 676 |
| Noninterest expense to average assets | 2.7181% | 3,287 |
| Loan and lease loss provision to assets | 0.0503% | 3,383 |
| Net operating income to assets | 1.9332% | 364 |
| Return on assets (ROA) | 1.9344% | 377 |
| Pretax return on assets | 1.9344% | 580 |
| Return on Equity (ROE) | 19.5375% | 230 |
| Retained earnings to average equity (ytd only) | 9.8836% | 424 |
| Net charge-offs to loans | 0.1074% | 2,197 |
| Credit loss provision to net charge-offs | 76.5734% | 3,034 |
| Earnings coverage of net charge-offs (x) | 30.1853% | 1,426 |
| Efficiency ratio | 57.8117% | 4,876 |
| Assets per employee ($millions) | 5.2212% | 2,146 |
| Cash dividends to net income (ytd only)* | 49.4120% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 3,024 |
| Loan loss allowance to noncurrent loans | 109.8879% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 2,618 |
| Noncurrent loans to loans | 1.1063% | 1,872 |
| Net loans and leases to total assets | 58.3000% | 4,038 |
| Net loans and leases to deposits | 67.2910% | 4,146 |
| Net loans and leases to core deposits | 76.8512% | 3,677 |
| Total domestic deposits to total assets | 86.6386% | 2,315 |
| Equity capital to assets | 9.7155% | 4,047 |
| Core capital (leverage) ratio | 9.4339% | 4,181 |
| Tier 1 risk-based capital ratio | 13.2488% | 3,923 |
| Total risk-based capital ratio | 14.2746% | 3,967 |
| Memoranda: | ||
| Average total assets | $435,233,400 | 1,561 |
| Average earning assets | $396,305,000 | 1,588 |
| Average equity | $43,091,400 | 1,722 |
| Average total loans | $266,186,000 | 1,697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,419 |
| Cost of funding earning assets | 0.4294% | 2,743 |
| Net interest margin | 3.7999% | 2,331 |
| Noninterest income to average assets | 1.3331% | 661 |
| Noninterest expense to average assets | 2.7893% | 3,044 |
| Loan and lease loss provision to assets | 0.0511% | 3,224 |
| Net operating income to assets | 1.9479% | 371 |
| Return on assets (ROA) | 1.9498% | 390 |
| Pretax return on assets | 1.9498% | 637 |
| Return on Equity (ROE) | 19.5936% | 262 |
| Retained earnings to average equity (ytd only) | 6.5667% | 1,866 |
| Net charge-offs to loans | 0.1469% | 1,527 |
| Credit loss provision to net charge-offs | 56.3574% | 2,953 |
| Earnings coverage of net charge-offs (x) | 22.0447% | 1,784 |
| Efficiency ratio | 58.2520% | 4,778 |
| Assets per employee ($millions) | 5.2590% | 2,089 |
| Cash dividends to net income (ytd only)* | 66.4855% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 3,196 |
| Loan loss allowance to noncurrent loans | 263.3950% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 4,058 |
| Noncurrent loans to loans | 0.4581% | 3,642 |
| Net loans and leases to total assets | 59.2697% | 3,972 |
| Net loans and leases to deposits | 68.3585% | 4,115 |
| Net loans and leases to core deposits | 77.9769% | 3,667 |
| Total domestic deposits to total assets | 86.7042% | 2,030 |
| Equity capital to assets | 9.6588% | 4,503 |
| Core capital (leverage) ratio | 9.4372% | 4,276 |
| Tier 1 risk-based capital ratio | 12.9805% | 4,173 |
| Total risk-based capital ratio | 14.0195% | 4,208 |
| Memoranda: | ||
| Average total assets | $427,869,000 | 1,587 |
| Average earning assets | $389,056,500 | 1,607 |
| Average equity | $42,577,500 | 1,748 |
| Average total loans | $264,170,250 | 1,713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,187 |
| Cost of funding earning assets | 0.4490% | 2,576 |
| Net interest margin | 3.8394% | 2,173 |
| Noninterest income to average assets | 1.3551% | 622 |
| Noninterest expense to average assets | 2.8346% | 2,893 |
| Loan and lease loss provision to assets | 0.0524% | 3,099 |
| Net operating income to assets | 1.9560% | 358 |
| Return on assets (ROA) | 1.9589% | 375 |
| Pretax return on assets | 1.9589% | 623 |
| Return on Equity (ROE) | 19.4794% | 266 |
| Retained earnings to average equity (ytd only) | 6.2120% | 2,007 |
| Net charge-offs to loans | 0.0122% | 3,301 |
| Credit loss provision to net charge-offs | 687.5000% | 512 |
| Earnings coverage of net charge-offs (x) | 263.4375% | 259 |
| Efficiency ratio | 58.5301% | 4,832 |
| Assets per employee ($millions) | 4.7981% | 2,564 |
| Cash dividends to net income (ytd only)* | 68.1099% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,820 |
| Loan loss allowance to noncurrent loans | 315.1488% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,154 |
| Noncurrent loans to loans | 0.4106% | 3,885 |
| Net loans and leases to total assets | 63.8645% | 3,381 |
| Net loans and leases to deposits | 73.6493% | 3,636 |
| Net loans and leases to core deposits | 85.3838% | 2,949 |
| Total domestic deposits to total assets | 86.7143% | 2,054 |
| Equity capital to assets | 10.2986% | 3,861 |
| Core capital (leverage) ratio | 9.4237% | 4,303 |
| Tier 1 risk-based capital ratio | 12.4938% | 4,530 |
| Total risk-based capital ratio | 13.5823% | 4,548 |
| Memoranda: | ||
| Average total assets | $419,735,330 | 1,617 |
| Average earning assets | $381,306,670 | 1,639 |
| Average equity | $42,208,670 | 1,757 |
| Average total loans | $261,782,670 | 1,717 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 2,429 |
| Cost of funding earning assets | 0.4555% | 2,523 |
| Net interest margin | 3.7549% | 2,458 |
| Noninterest income to average assets | 1.2155% | 732 |
| Noninterest expense to average assets | 2.7133% | 3,370 |
| Loan and lease loss provision to assets | 0.0523% | 2,890 |
| Net operating income to assets | 1.8656% | 425 |
| Return on assets (ROA) | 1.8713% | 450 |
| Pretax return on assets | 1.8713% | 736 |
| Return on Equity (ROE) | 18.8340% | 305 |
| Retained earnings to average equity (ytd only) | 5.4426% | 2,689 |
| Net charge-offs to loans | 0.0124% | 2,710 |
| Credit loss provision to net charge-offs | 687.5000% | 489 |
| Earnings coverage of net charge-offs (x) | 252.2500% | 242 |
| Efficiency ratio | 58.5881% | 4,929 |
| Assets per employee ($millions) | 4.9542% | 2,390 |
| Cash dividends to net income (ytd only)* | 71.1021% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,883 |
| Loan loss allowance to noncurrent loans | 269.1647% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 4,072 |
| Noncurrent loans to loans | 0.4839% | 3,730 |
| Net loans and leases to total assets | 61.3214% | 3,617 |
| Net loans and leases to deposits | 71.5464% | 3,693 |
| Net loans and leases to core deposits | 83.7885% | 2,956 |
| Total domestic deposits to total assets | 85.7086% | 2,805 |
| Equity capital to assets | 9.9082% | 4,201 |
| Core capital (leverage) ratio | 9.4808% | 4,230 |
| Tier 1 risk-based capital ratio | 12.4768% | 4,591 |
| Total risk-based capital ratio | 13.5694% | 4,612 |
| Memoranda: | ||
| Average total assets | $420,886,000 | 1,609 |
| Average earning assets | $382,855,000 | 1,636 |
| Average equity | $41,818,000 | 1,767 |
| Average total loans | $257,630,500 | 1,746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,043 |
| Cost of funding earning assets | 0.5004% | 2,150 |
| Net interest margin | 3.5665% | 3,250 |
| Noninterest income to average assets | 1.3589% | 653 |
| Noninterest expense to average assets | 2.6709% | 3,688 |
| Loan and lease loss provision to assets | 0.0275% | 3,830 |
| Net operating income to assets | 1.9013% | 404 |
| Return on assets (ROA) | 1.9005% | 415 |
| Pretax return on assets | 1.9005% | 654 |
| Return on Equity (ROE) | 18.9416% | 316 |
| Retained earnings to average equity (ytd only) | 5.6893% | 1,961 |
| Net charge-offs to loans | 0.0443% | 3,326 |
| Credit loss provision to net charge-offs | 104.6296% | 2,399 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 742 |
| Efficiency ratio | 58.0664% | 5,135 |
| Assets per employee ($millions) | 4.9490% | 2,424 |
| Cash dividends to net income (ytd only)* | 69.9641% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 2,633 |
| Loan loss allowance to noncurrent loans | 276.2794% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,136 |
| Noncurrent loans to loans | 0.4913% | 3,727 |
| Net loans and leases to total assets | 59.4513% | 3,904 |
| Net loans and leases to deposits | 69.9653% | 3,927 |
| Net loans and leases to core deposits | 80.7590% | 3,270 |
| Total domestic deposits to total assets | 84.9725% | 3,104 |
| Equity capital to assets | 9.9639% | 4,001 |
| Core capital (leverage) ratio | 9.3311% | 4,428 |
| Tier 1 risk-based capital ratio | 12.9430% | 4,361 |
| Total risk-based capital ratio | 14.0774% | 4,334 |
| Memoranda: | ||
| Average total assets | $410,618,200 | 1,604 |
| Average earning assets | $373,107,400 | 1,628 |
| Average equity | $41,200,400 | 1,755 |
| Average total loans | $243,565,600 | 1,771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,167 |
| Cost of funding earning assets | 0.5161% | 2,073 |
| Net interest margin | 3.5249% | 3,446 |
| Noninterest income to average assets | 1.4195% | 620 |
| Noninterest expense to average assets | 2.6438% | 3,739 |
| Loan and lease loss provision to assets | 0.0195% | 3,884 |
| Net operating income to assets | 1.9615% | 385 |
| Return on assets (ROA) | 1.9608% | 400 |
| Pretax return on assets | 1.9608% | 645 |
| Return on Equity (ROE) | 19.5076% | 304 |
| Retained earnings to average equity (ytd only) | 10.2075% | 601 |
| Net charge-offs to loans | 0.0221% | 3,492 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 152.0557% | 461 |
| Efficiency ratio | 57.1660% | 5,210 |
| Assets per employee ($millions) | 5.0512% | 2,242 |
| Cash dividends to net income (ytd only)* | 47.6744% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,618 |
| Loan loss allowance to noncurrent loans | 444.7917% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,739 |
| Noncurrent loans to loans | 0.3140% | 4,471 |
| Net loans and leases to total assets | 58.2296% | 4,114 |
| Net loans and leases to deposits | 69.2563% | 4,067 |
| Net loans and leases to core deposits | 80.8804% | 3,354 |
| Total domestic deposits to total assets | 84.0785% | 3,392 |
| Equity capital to assets | 10.2656% | 3,859 |
| Core capital (leverage) ratio | 9.6474% | 4,110 |
| Tier 1 risk-based capital ratio | 13.6767% | 4,037 |
| Total risk-based capital ratio | 14.8562% | 4,007 |
| Memoranda: | ||
| Average total assets | $409,344,750 | 1,620 |
| Average earning assets | $372,237,000 | 1,645 |
| Average equity | $41,145,250 | 1,772 |
| Average total loans | $241,820,250 | 1,788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,024 |
| Cost of funding earning assets | 0.5262% | 2,016 |
| Net interest margin | 3.5402% | 3,337 |
| Noninterest income to average assets | 1.4578% | 598 |
| Noninterest expense to average assets | 2.6557% | 3,732 |
| Loan and lease loss provision to assets | 0.0294% | 3,540 |
| Net operating income to assets | 1.9935% | 366 |
| Return on assets (ROA) | 1.9925% | 381 |
| Pretax return on assets | 1.9925% | 601 |
| Return on Equity (ROE) | 19.9671% | 268 |
| Retained earnings to average equity (ytd only) | 5.8594% | 2,322 |
| Net charge-offs to loans | -0.0208% | 5,189 |
| Credit loss provision to net charge-offs | -240.0000% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7624% | 5,359 |
| Assets per employee ($millions) | 4.7008% | 2,678 |
| Cash dividends to net income (ytd only)* | 70.6548% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 2,626 |
| Loan loss allowance to noncurrent loans | 780.4933% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,118 |
| Noncurrent loans to loans | 0.1829% | 5,044 |
| Net loans and leases to total assets | 59.4497% | 3,914 |
| Net loans and leases to deposits | 69.5255% | 3,981 |
| Net loans and leases to core deposits | 79.6562% | 3,429 |
| Total domestic deposits to total assets | 85.5077% | 2,916 |
| Equity capital to assets | 10.0611% | 3,966 |
| Core capital (leverage) ratio | 8.9758% | 5,001 |
| Tier 1 risk-based capital ratio | 13.0896% | 4,467 |
| Total risk-based capital ratio | 14.2997% | 4,404 |
| Memoranda: | ||
| Average total assets | $407,726,330 | 1,638 |
| Average earning assets | $370,941,670 | 1,658 |
| Average equity | $40,687,000 | 1,797 |
| Average total loans | $240,892,670 | 1,804 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 3,134 |
| Cost of funding earning assets | 0.5336% | 1,980 |
| Net interest margin | 3.4930% | 3,464 |
| Noninterest income to average assets | 1.5787% | 491 |
| Noninterest expense to average assets | 2.6015% | 3,911 |
| Loan and lease loss provision to assets | 0.0586% | 2,761 |
| Net operating income to assets | 2.1033% | 277 |
| Return on assets (ROA) | 2.1033% | 297 |
| Pretax return on assets | 2.1033% | 482 |
| Return on Equity (ROE) | 21.1631% | 221 |
| Retained earnings to average equity (ytd only) | 21.1631% | 84 |
| Net charge-offs to loans | -0.0167% | 4,958 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6144% | 5,629 |
| Assets per employee ($millions) | 5.0418% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 2,789 |
| Loan loss allowance to noncurrent loans | 914.5119% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 5,252 |
| Noncurrent loans to loans | 0.1563% | 5,216 |
| Net loans and leases to total assets | 56.4326% | 4,155 |
| Net loans and leases to deposits | 65.8754% | 4,165 |
| Net loans and leases to core deposits | 78.6068% | 3,317 |
| Total domestic deposits to total assets | 85.6656% | 3,107 |
| Equity capital to assets | 9.9189% | 4,233 |
| Core capital (leverage) ratio | 8.3628% | 5,671 |
| Tier 1 risk-based capital ratio | 13.6205% | 4,268 |
| Total risk-based capital ratio | 14.8431% | 4,190 |
| Memoranda: | ||
| Average total assets | $409,454,000 | 1,643 |
| Average earning assets | $373,321,000 | 1,658 |
| Average equity | $40,693,500 | 1,805 |
| Average total loans | $239,429,500 | 1,819 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,998 |
| Cost of funding earning assets | 0.5870% | 1,887 |
| Net interest margin | 3.8811% | 2,311 |
| Noninterest income to average assets | 1.4160% | 606 |
| Noninterest expense to average assets | 2.9399% | 3,030 |
| Loan and lease loss provision to assets | 0.1349% | 1,939 |
| Net operating income to assets | 1.8508% | 428 |
| Return on assets (ROA) | 1.8568% | 436 |
| Pretax return on assets | 1.8568% | 702 |
| Return on Equity (ROE) | 18.8690% | 324 |
| Retained earnings to average equity (ytd only) | 6.2273% | 1,790 |
| Net charge-offs to loans | 0.1013% | 3,058 |
| Credit loss provision to net charge-offs | 209.6774% | 1,183 |
| Earnings coverage of net charge-offs (x) | 30.8629% | 1,307 |
| Efficiency ratio | 59.6861% | 5,264 |
| Assets per employee ($millions) | 4.7071% | 2,720 |
| Cash dividends to net income (ytd only)* | 66.9973% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 2,760 |
| Loan loss allowance to noncurrent loans | 1,741.5385% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 5,448 |
| Noncurrent loans to loans | 0.0825% | 5,556 |
| Net loans and leases to total assets | 58.9278% | 3,928 |
| Net loans and leases to deposits | 69.4471% | 3,983 |
| Net loans and leases to core deposits | 82.9283% | 3,001 |
| Total domestic deposits to total assets | 84.8528% | 3,348 |
| Equity capital to assets | 9.9594% | 4,168 |
| Core capital (leverage) ratio | 9.1329% | 4,775 |
| Tier 1 risk-based capital ratio | 13.1528% | 4,621 |
| Total risk-based capital ratio | 14.3791% | 4,561 |
| Memoranda: | ||
| Average total assets | $385,451,200 | 1,698 |
| Average earning assets | $348,563,600 | 1,716 |
| Average equity | $37,930,000 | 1,862 |
| Average total loans | $244,762,200 | 1,720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,801 |
| Cost of funding earning assets | 0.5850% | 1,970 |
| Net interest margin | 3.9344% | 2,095 |
| Noninterest income to average assets | 1.2951% | 728 |
| Noninterest expense to average assets | 2.7984% | 3,467 |
| Loan and lease loss provision to assets | 0.1393% | 1,794 |
| Net operating income to assets | 1.9093% | 411 |
| Return on assets (ROA) | 1.9065% | 428 |
| Pretax return on assets | 1.9065% | 711 |
| Return on Equity (ROE) | 19.4346% | 315 |
| Retained earnings to average equity (ytd only) | 6.5693% | 2,060 |
| Net charge-offs to loans | 0.1691% | 2,108 |
| Credit loss provision to net charge-offs | 127.7955% | 1,809 |
| Earnings coverage of net charge-offs (x) | 18.7989% | 1,818 |
| Efficiency ratio | 57.7360% | 5,480 |
| Assets per employee ($millions) | 4.9228% | 2,346 |
| Cash dividends to net income (ytd only)* | 66.1979% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,477 |
| Loan loss allowance to noncurrent loans | 2,112.5000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 5,486 |
| Noncurrent loans to loans | 0.0632% | 5,762 |
| Net loans and leases to total assets | 60.2899% | 3,737 |
| Net loans and leases to deposits | 71.4421% | 3,742 |
| Net loans and leases to core deposits | 83.0314% | 2,992 |
| Total domestic deposits to total assets | 84.3899% | 3,596 |
| Equity capital to assets | 9.8989% | 4,302 |
| Core capital (leverage) ratio | 9.2996% | 4,637 |
| Tier 1 risk-based capital ratio | 12.8799% | 4,928 |
| Total risk-based capital ratio | 14.0316% | 4,897 |
| Memoranda: | ||
| Average total assets | $382,965,500 | 1,723 |
| Average earning assets | $345,724,000 | 1,741 |
| Average equity | $37,567,750 | 1,882 |
| Average total loans | $246,854,500 | 1,718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 1,772 |
| Cost of funding earning assets | 0.5781% | 2,090 |
| Net interest margin | 3.9419% | 2,008 |
| Noninterest income to average assets | 1.3117% | 698 |
| Noninterest expense to average assets | 2.8908% | 3,196 |
| Loan and lease loss provision to assets | 0.1476% | 1,674 |
| Net operating income to assets | 1.8326% | 462 |
| Return on assets (ROA) | 1.8326% | 478 |
| Pretax return on assets | 1.8326% | 792 |
| Return on Equity (ROE) | 18.7407% | 388 |
| Retained earnings to average equity (ytd only) | 6.2056% | 2,212 |
| Net charge-offs to loans | 0.2129% | 1,752 |
| Credit loss provision to net charge-offs | 105.6604% | 1,894 |
| Earnings coverage of net charge-offs (x) | 14.1736% | 1,926 |
| Efficiency ratio | 59.3462% | 5,380 |
| Assets per employee ($millions) | 4.6600% | 2,683 |
| Cash dividends to net income (ytd only)* | 66.8872% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,147 |
| Loan loss allowance to noncurrent loans | 237.6230% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 4,531 |
| Noncurrent loans to loans | 0.5267% | 4,431 |
| Net loans and leases to total assets | 64.0310% | 3,069 |
| Net loans and leases to deposits | 76.0466% | 3,051 |
| Net loans and leases to core deposits | 88.5212% | 2,254 |
| Total domestic deposits to total assets | 84.1997% | 3,857 |
| Equity capital to assets | 9.8153% | 4,331 |
| Core capital (leverage) ratio | 9.1994% | 4,744 |
| Tier 1 risk-based capital ratio | 12.2996% | 5,360 |
| Total risk-based capital ratio | 13.3962% | 5,371 |
| Memoranda: | ||
| Average total assets | $379,346,670 | 1,736 |
| Average earning assets | $342,521,000 | 1,752 |
| Average equity | $37,095,670 | 1,895 |
| Average total loans | $248,924,000 | 1,700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,843 |
| Cost of funding earning assets | 0.5981% | 1,986 |
| Net interest margin | 3.8919% | 2,111 |
| Noninterest income to average assets | 1.2470% | 706 |
| Noninterest expense to average assets | 2.7495% | 3,754 |
| Loan and lease loss provision to assets | 0.1704% | 1,414 |
| Net operating income to assets | 1.8401% | 450 |
| Return on assets (ROA) | 1.8401% | 472 |
| Pretax return on assets | 1.8401% | 749 |
| Return on Equity (ROE) | 18.8536% | 376 |
| Retained earnings to average equity (ytd only) | 7.1246% | 1,970 |
| Net charge-offs to loans | 0.2145% | 1,465 |
| Credit loss provision to net charge-offs | 120.3008% | 1,456 |
| Earnings coverage of net charge-offs (x) | 14.1955% | 1,625 |
| Efficiency ratio | 57.7629% | 5,671 |
| Assets per employee ($millions) | 4.6796% | 2,686 |
| Cash dividends to net income (ytd only)* | 62.2106% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 4,302 |
| Loan loss allowance to noncurrent loans | 233.9272% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 4,626 |
| Noncurrent loans to loans | 0.5412% | 4,547 |
| Net loans and leases to total assets | 64.8292% | 2,756 |
| Net loans and leases to deposits | 75.2900% | 2,906 |
| Net loans and leases to core deposits | 84.2911% | 2,483 |
| Total domestic deposits to total assets | 86.1059% | 3,307 |
| Equity capital to assets | 9.8341% | 4,055 |
| Core capital (leverage) ratio | 9.1870% | 4,733 |
| Tier 1 risk-based capital ratio | 12.3153% | 5,428 |
| Total risk-based capital ratio | 13.4335% | 5,448 |
| Memoranda: | ||
| Average total assets | $375,628,500 | 1,753 |
| Average earning assets | $339,061,500 | 1,778 |
| Average equity | $36,661,500 | 1,912 |
| Average total loans | $247,986,000 | 1,710 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,879 |
| Cost of funding earning assets | 0.6131% | 2,542 |
| Net interest margin | 3.9863% | 1,987 |
| Noninterest income to average assets | 1.2009% | 977 |
| Noninterest expense to average assets | 3.0310% | 2,964 |
| Loan and lease loss provision to assets | 0.1114% | 2,946 |
| Net operating income to assets | 1.6053% | 682 |
| Return on assets (ROA) | 1.6033% | 706 |
| Pretax return on assets | 1.6033% | 1,159 |
| Return on Equity (ROE) | 15.3379% | 707 |
| Retained earnings to average equity (ytd only) | 4.4096% | 3,040 |
| Net charge-offs to loans | 0.3451% | 1,952 |
| Credit loss provision to net charge-offs | 50.8475% | 3,792 |
| Earnings coverage of net charge-offs (x) | 7.8370% | 2,777 |
| Efficiency ratio | 63.8414% | 4,926 |
| Assets per employee ($millions) | 4.4311% | 3,029 |
| Cash dividends to net income (ytd only)* | 71.2504% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,326 |
| Loan loss allowance to noncurrent loans | 166.0819% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 4,231 |
| Noncurrent loans to loans | 0.7613% | 4,063 |
| Net loans and leases to total assets | 65.5447% | 2,763 |
| Net loans and leases to deposits | 81.2845% | 2,284 |
| Net loans and leases to core deposits | 88.6661% | 2,169 |
| Total domestic deposits to total assets | 80.6362% | 5,286 |
| Equity capital to assets | 9.6846% | 4,180 |
| Core capital (leverage) ratio | 9.5708% | 4,152 |
| Tier 1 risk-based capital ratio | 12.2681% | 5,452 |
| Total risk-based capital ratio | 13.3937% | 5,466 |
| Memoranda: | ||
| Average total assets | $350,142,800 | 1,848 |
| Average earning assets | $311,544,000 | 1,904 |
| Average equity | $36,602,200 | 1,892 |
| Average total loans | $222,228,000 | 1,841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,951 |
| Cost of funding earning assets | 0.6144% | 2,693 |
| Net interest margin | 3.9703% | 2,045 |
| Noninterest income to average assets | 1.2411% | 952 |
| Noninterest expense to average assets | 3.0525% | 2,814 |
| Loan and lease loss provision to assets | 0.0967% | 3,145 |
| Net operating income to assets | 1.6118% | 732 |
| Return on assets (ROA) | 1.6118% | 776 |
| Pretax return on assets | 1.6118% | 1,316 |
| Return on Equity (ROE) | 15.1181% | 782 |
| Retained earnings to average equity (ytd only) | 4.2313% | 3,670 |
| Net charge-offs to loans | 0.3833% | 1,673 |
| Credit loss provision to net charge-offs | 40.2576% | 3,701 |
| Earnings coverage of net charge-offs (x) | 7.1111% | 2,845 |
| Efficiency ratio | 64.1151% | 4,781 |
| Assets per employee ($millions) | 4.1906% | 3,445 |
| Cash dividends to net income (ytd only)* | 72.0115% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 3,946 |
| Loan loss allowance to noncurrent loans | 157.4447% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 3,833 |
| Noncurrent loans to loans | 0.8818% | 4,055 |
| Net loans and leases to total assets | 63.9215% | 3,013 |
| Net loans and leases to deposits | 76.8622% | 2,836 |
| Net loans and leases to core deposits | 83.6632% | 2,683 |
| Total domestic deposits to total assets | 83.1638% | 4,516 |
| Equity capital to assets | 10.3422% | 3,458 |
| Core capital (leverage) ratio | 9.7867% | 3,980 |
| Tier 1 risk-based capital ratio | 13.1141% | 5,044 |
| Total risk-based capital ratio | 14.3357% | 5,017 |
| Memoranda: | ||
| Average total assets | $344,626,000 | 1,886 |
| Average earning assets | $305,525,250 | 1,947 |
| Average equity | $36,741,000 | 1,896 |
| Average total loans | $216,013,000 | 1,894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,907 |
| Cost of funding earning assets | 0.6174% | 2,786 |
| Net interest margin | 3.9631% | 1,994 |
| Noninterest income to average assets | 1.2510% | 994 |
| Noninterest expense to average assets | 2.9718% | 3,088 |
| Loan and lease loss provision to assets | 0.0873% | 3,338 |
| Net operating income to assets | 1.7004% | 621 |
| Return on assets (ROA) | 1.7004% | 675 |
| Pretax return on assets | 1.7004% | 1,114 |
| Return on Equity (ROE) | 15.7903% | 690 |
| Retained earnings to average equity (ytd only) | 4.9787% | 3,070 |
| Net charge-offs to loans | 0.4219% | 1,529 |
| Credit loss provision to net charge-offs | 33.4076% | 3,529 |
| Earnings coverage of net charge-offs (x) | 6.8396% | 2,641 |
| Efficiency ratio | 62.4388% | 5,105 |
| Assets per employee ($millions) | 4.3342% | 3,118 |
| Cash dividends to net income (ytd only)* | 68.4697% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 3,651 |
| Loan loss allowance to noncurrent loans | 62.3516% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 2,181 |
| Noncurrent loans to loans | 2.3818% | 1,976 |
| Net loans and leases to total assets | 62.0536% | 3,275 |
| Net loans and leases to deposits | 74.6552% | 3,059 |
| Net loans and leases to core deposits | 78.8293% | 3,188 |
| Total domestic deposits to total assets | 83.1203% | 4,656 |
| Equity capital to assets | 10.5628% | 3,220 |
| Core capital (leverage) ratio | 9.6499% | 4,011 |
| Tier 1 risk-based capital ratio | 13.4281% | 4,820 |
| Total risk-based capital ratio | 14.6785% | 4,775 |
| Memoranda: | ||
| Average total assets | $343,562,330 | 1,897 |
| Average earning assets | $304,158,330 | 1,965 |
| Average equity | $36,997,330 | 1,888 |
| Average total loans | $212,864,000 | 1,913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 1,774 |
| Cost of funding earning assets | 0.6264% | 2,867 |
| Net interest margin | 3.9925% | 1,821 |
| Noninterest income to average assets | 1.2402% | 998 |
| Noninterest expense to average assets | 2.9592% | 3,123 |
| Loan and lease loss provision to assets | 0.1162% | 2,782 |
| Net operating income to assets | 1.6912% | 597 |
| Return on assets (ROA) | 1.6912% | 656 |
| Pretax return on assets | 1.6912% | 1,097 |
| Return on Equity (ROE) | 15.5563% | 670 |
| Retained earnings to average equity (ytd only) | 4.8647% | 3,320 |
| Net charge-offs to loans | 0.8266% | 725 |
| Credit loss provision to net charge-offs | 22.8833% | 2,996 |
| Earnings coverage of net charge-offs (x) | 3.5584% | 2,741 |
| Efficiency ratio | 62.0824% | 5,291 |
| Assets per employee ($millions) | 4.2446% | 3,446 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 3,789 |
| Loan loss allowance to noncurrent loans | 58.1481% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 2,300 |
| Noncurrent loans to loans | 2.5946% | 1,989 |
| Net loans and leases to total assets | 59.3622% | 3,544 |
| Net loans and leases to deposits | 71.9480% | 3,186 |
| Net loans and leases to core deposits | 75.8257% | 3,349 |
| Total domestic deposits to total assets | 82.5071% | 5,027 |
| Equity capital to assets | 10.7928% | 3,206 |
| Core capital (leverage) ratio | 9.6910% | 3,804 |
| Tier 1 risk-based capital ratio | 13.3882% | 4,945 |
| Total risk-based capital ratio | 14.6384% | 4,901 |
| Memoranda: | ||
| Average total assets | $344,144,000 | 1,915 |
| Average earning assets | $303,972,000 | 1,982 |
| Average equity | $37,412,500 | 1,895 |
| Average total loans | $211,459,000 | 1,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 2,465 |
| Cost of funding earning assets | 0.9026% | 1,918 |
| Net interest margin | 3.8295% | 3,103 |
| Noninterest income to average assets | 1.2062% | 1,081 |
| Noninterest expense to average assets | 3.0016% | 3,266 |
| Loan and lease loss provision to assets | 0.1956% | 3,183 |
| Net operating income to assets | 1.4087% | 1,083 |
| Return on assets (ROA) | 1.4085% | 1,199 |
| Pretax return on assets | 1.4085% | 2,015 |
| Return on Equity (ROE) | 13.4764% | 1,109 |
| Retained earnings to average equity (ytd only) | 4.5032% | 3,064 |
| Net charge-offs to loans | 0.3239% | 3,028 |
| Credit loss provision to net charge-offs | 100.1477% | 3,025 |
| Earnings coverage of net charge-offs (x) | 8.2127% | 2,451 |
| Efficiency ratio | 65.1673% | 4,672 |
| Assets per employee ($millions) | 4.0992% | 3,736 |
| Cash dividends to net income (ytd only)* | 66.5847% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,138 |
| Loan loss allowance to noncurrent loans | 55.0645% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.3637% | 2,076 |
| Noncurrent loans to loans | 2.9830% | 1,749 |
| Net loans and leases to total assets | 61.6163% | 3,314 |
| Net loans and leases to deposits | 75.4610% | 2,883 |
| Net loans and leases to core deposits | 81.2967% | 2,850 |
| Total domestic deposits to total assets | 81.6532% | 5,209 |
| Equity capital to assets | 10.9513% | 3,011 |
| Core capital (leverage) ratio | 9.4183% | 4,232 |
| Tier 1 risk-based capital ratio | 13.1243% | 5,022 |
| Total risk-based capital ratio | 14.3764% | 4,969 |
| Memoranda: | ||
| Average total assets | $346,549,800 | 1,868 |
| Average earning assets | $307,667,000 | 1,925 |
| Average equity | $36,219,000 | 1,911 |
| Average total loans | $209,029,200 | 1,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 2,652 |
| Cost of funding earning assets | 0.9505% | 1,849 |
| Net interest margin | 3.7830% | 3,412 |
| Noninterest income to average assets | 1.1915% | 1,065 |
| Noninterest expense to average assets | 2.9594% | 3,371 |
| Loan and lease loss provision to assets | 0.1628% | 3,481 |
| Net operating income to assets | 1.4320% | 1,155 |
| Return on assets (ROA) | 1.4324% | 1,278 |
| Pretax return on assets | 1.4324% | 2,137 |
| Return on Equity (ROE) | 13.8674% | 1,138 |
| Retained earnings to average equity (ytd only) | 4.9685% | 3,387 |
| Net charge-offs to loans | 0.3269% | 2,824 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 8.1647% | 2,493 |
| Efficiency ratio | 64.9819% | 4,631 |
| Assets per employee ($millions) | 4.0997% | 3,681 |
| Cash dividends to net income (ytd only)* | 64.1711% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,511 |
| Loan loss allowance to noncurrent loans | 58.4160% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 2,385 |
| Noncurrent loans to loans | 2.7416% | 2,065 |
| Net loans and leases to total assets | 60.9272% | 3,584 |
| Net loans and leases to deposits | 75.3492% | 3,086 |
| Net loans and leases to core deposits | 81.7778% | 2,991 |
| Total domestic deposits to total assets | 80.8598% | 5,406 |
| Equity capital to assets | 10.7328% | 3,570 |
| Core capital (leverage) ratio | 9.3154% | 4,555 |
| Tier 1 risk-based capital ratio | 12.8162% | 5,397 |
| Total risk-based capital ratio | 14.0507% | 5,373 |
| Memoranda: | ||
| Average total assets | $348,129,000 | 1,882 |
| Average earning assets | $309,447,500 | 1,932 |
| Average equity | $35,958,750 | 1,942 |
| Average total loans | $208,001,500 | 1,957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 2,830 |
| Cost of funding earning assets | 0.9979% | 1,775 |
| Net interest margin | 3.7256% | 3,699 |
| Noninterest income to average assets | 1.1638% | 1,048 |
| Noninterest expense to average assets | 2.8508% | 3,828 |
| Loan and lease loss provision to assets | 0.2147% | 2,925 |
| Net operating income to assets | 1.4088% | 1,173 |
| Return on assets (ROA) | 1.4094% | 1,307 |
| Pretax return on assets | 1.4094% | 2,168 |
| Return on Equity (ROE) | 13.8219% | 1,164 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,373 |
| Net charge-offs to loans | 0.3937% | 2,449 |
| Credit loss provision to net charge-offs | 92.3645% | 2,969 |
| Earnings coverage of net charge-offs (x) | 6.9852% | 2,541 |
| Efficiency ratio | 63.7155% | 4,944 |
| Assets per employee ($millions) | 4.0268% | 3,818 |
| Cash dividends to net income (ytd only)* | 64.9878% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 3,404 |
| Loan loss allowance to noncurrent loans | 59.4516% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 2,501 |
| Noncurrent loans to loans | 2.7853% | 2,153 |
| Net loans and leases to total assets | 60.1924% | 3,780 |
| Net loans and leases to deposits | 74.8242% | 3,151 |
| Net loans and leases to core deposits | 81.2864% | 3,049 |
| Total domestic deposits to total assets | 80.4450% | 5,630 |
| Equity capital to assets | 10.6357% | 3,532 |
| Core capital (leverage) ratio | 9.2148% | 4,589 |
| Tier 1 risk-based capital ratio | 12.7141% | 5,408 |
| Total risk-based capital ratio | 13.9656% | 5,375 |
| Memoranda: | ||
| Average total assets | $349,380,330 | 1,874 |
| Average earning assets | $310,444,670 | 1,929 |
| Average equity | $35,624,670 | 1,944 |
| Average total loans | $206,257,670 | 1,973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 2,732 |
| Cost of funding earning assets | 1.0398% | 1,749 |
| Net interest margin | 3.7368% | 3,655 |
| Noninterest income to average assets | 1.2070% | 985 |
| Noninterest expense to average assets | 2.8674% | 3,756 |
| Loan and lease loss provision to assets | 0.3400% | 1,838 |
| Net operating income to assets | 1.3192% | 1,404 |
| Return on assets (ROA) | 1.3192% | 1,574 |
| Pretax return on assets | 1.3192% | 2,474 |
| Return on Equity (ROE) | 13.2141% | 1,346 |
| Retained earnings to average equity (ytd only) | 4.6999% | 3,747 |
| Net charge-offs to loans | 0.2404% | 2,732 |
| Credit loss provision to net charge-offs | 243.9024% | 1,167 |
| Earnings coverage of net charge-offs (x) | 11.9024% | 1,637 |
| Efficiency ratio | 63.3450% | 5,045 |
| Assets per employee ($millions) | 4.1527% | 3,680 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,967 |
| Loan loss allowance to noncurrent loans | 49.7699% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.7576% | 2,125 |
| Noncurrent loans to loans | 3.6302% | 1,711 |
| Net loans and leases to total assets | 56.6142% | 4,267 |
| Net loans and leases to deposits | 71.2153% | 3,553 |
| Net loans and leases to core deposits | 77.2407% | 3,433 |
| Total domestic deposits to total assets | 79.4973% | 5,976 |
| Equity capital to assets | 10.0133% | 4,110 |
| Core capital (leverage) ratio | 8.9667% | 4,889 |
| Tier 1 risk-based capital ratio | 12.7183% | 5,428 |
| Total risk-based capital ratio | 13.9713% | 5,387 |
| Memoranda: | ||
| Average total assets | $352,930,000 | 1,875 |
| Average earning assets | $313,528,500 | 1,908 |
| Average equity | $35,235,000 | 1,966 |
| Average total loans | $204,638,500 | 1,983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 2,240 |
| Cost of funding earning assets | 1.2702% | 1,624 |
| Net interest margin | 3.8835% | 3,407 |
| Noninterest income to average assets | 1.2526% | 829 |
| Noninterest expense to average assets | 3.0229% | 3,508 |
| Loan and lease loss provision to assets | 0.5706% | 1,822 |
| Net operating income to assets | 1.1154% | 1,776 |
| Return on assets (ROA) | 1.1882% | 1,653 |
| Pretax return on assets | 1.1882% | 2,501 |
| Return on Equity (ROE) | 12.4120% | 1,295 |
| Retained earnings to average equity (ytd only) | 6.9525% | 1,527 |
| Net charge-offs to loans | 1.2286% | 1,363 |
| Credit loss provision to net charge-offs | 79.0084% | 4,499 |
| Earnings coverage of net charge-offs (x) | 2.3347% | 4,050 |
| Efficiency ratio | 64.1955% | 5,093 |
| Assets per employee ($millions) | 3.9649% | 3,929 |
| Cash dividends to net income (ytd only)* | 43.9854% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 3,199 |
| Loan loss allowance to noncurrent loans | 47.1127% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.8290% | 2,137 |
| Noncurrent loans to loans | 3.6105% | 1,768 |
| Net loans and leases to total assets | 57.3178% | 4,494 |
| Net loans and leases to deposits | 73.1640% | 3,638 |
| Net loans and leases to core deposits | 82.7044% | 3,075 |
| Total domestic deposits to total assets | 78.3415% | 6,131 |
| Equity capital to assets | 9.9539% | 4,220 |
| Core capital (leverage) ratio | 8.7377% | 5,195 |
| Tier 1 risk-based capital ratio | 12.4290% | 5,509 |
| Total risk-based capital ratio | 13.6810% | 5,486 |
| Memoranda: | ||
| Average total assets | $346,323,600 | 1,869 |
| Average earning assets | $308,229,200 | 1,907 |
| Average equity | $33,153,400 | 2,011 |
| Average total loans | $203,559,600 | 2,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 2,072 |
| Cost of funding earning assets | 1.3002% | 1,699 |
| Net interest margin | 3.9375% | 3,196 |
| Noninterest income to average assets | 1.2386% | 848 |
| Noninterest expense to average assets | 3.0489% | 3,356 |
| Loan and lease loss provision to assets | 0.5609% | 1,751 |
| Net operating income to assets | 1.1372% | 1,853 |
| Return on assets (ROA) | 1.2328% | 1,668 |
| Pretax return on assets | 1.2328% | 2,514 |
| Return on Equity (ROE) | 13.0103% | 1,276 |
| Retained earnings to average equity (ytd only) | 6.6419% | 2,172 |
| Net charge-offs to loans | 0.5169% | 2,692 |
| Credit loss provision to net charge-offs | 184.2440% | 1,599 |
| Earnings coverage of net charge-offs (x) | 5.5781% | 2,745 |
| Efficiency ratio | 64.2275% | 5,029 |
| Assets per employee ($millions) | 3.7809% | 4,343 |
| Cash dividends to net income (ytd only)* | 48.9489% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3293% | 1,643 |
| Loan loss allowance to noncurrent loans | 57.6063% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.8737% | 2,254 |
| Noncurrent loans to loans | 4.0434% | 1,638 |
| Net loans and leases to total assets | 56.5134% | 4,762 |
| Net loans and leases to deposits | 71.9863% | 3,994 |
| Net loans and leases to core deposits | 81.4197% | 3,424 |
| Total domestic deposits to total assets | 78.5058% | 6,095 |
| Equity capital to assets | 9.9393% | 4,425 |
| Core capital (leverage) ratio | 8.6456% | 5,486 |
| Tier 1 risk-based capital ratio | 12.7286% | 5,311 |
| Total risk-based capital ratio | 13.9848% | 5,285 |
| Memoranda: | ||
| Average total assets | $344,685,000 | 1,884 |
| Average earning assets | $307,122,250 | 1,924 |
| Average equity | $32,660,500 | 2,034 |
| Average total loans | $203,009,000 | 2,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 1,808 |
| Cost of funding earning assets | 1.3392% | 1,705 |
| Net interest margin | 3.9848% | 2,913 |
| Noninterest income to average assets | 1.2804% | 768 |
| Noninterest expense to average assets | 3.1697% | 3,006 |
| Loan and lease loss provision to assets | 0.3492% | 2,689 |
| Net operating income to assets | 1.3066% | 1,296 |
| Return on assets (ROA) | 1.3066% | 1,372 |
| Pretax return on assets | 1.3066% | 2,117 |
| Return on Equity (ROE) | 14.0212% | 976 |
| Retained earnings to average equity (ytd only) | 7.7757% | 1,541 |
| Net charge-offs to loans | 0.6218% | 2,280 |
| Credit loss provision to net charge-offs | 94.7867% | 3,315 |
| Earnings coverage of net charge-offs (x) | 4.4945% | 2,852 |
| Efficiency ratio | 65.6857% | 4,938 |
| Assets per employee ($millions) | 3.7032% | 4,439 |
| Cash dividends to net income (ytd only)* | 44.5434% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 2,389 |
| Loan loss allowance to noncurrent loans | 92.3860% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.8900% | 3,379 |
| Noncurrent loans to loans | 2.1578% | 3,272 |
| Net loans and leases to total assets | 57.6057% | 4,708 |
| Net loans and leases to deposits | 73.1047% | 3,932 |
| Net loans and leases to core deposits | 82.9058% | 3,375 |
| Total domestic deposits to total assets | 78.7989% | 6,132 |
| Equity capital to assets | 9.7625% | 4,438 |
| Core capital (leverage) ratio | 8.5466% | 5,480 |
| Tier 1 risk-based capital ratio | 12.5450% | 5,300 |
| Total risk-based capital ratio | 13.8004% | 5,277 |
| Memoranda: | ||
| Average total assets | $343,632,330 | 1,902 |
| Average earning assets | $305,715,000 | 1,938 |
| Average equity | $32,023,000 | 2,063 |
| Average total loans | $203,590,000 | 2,050 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 1,943 |
| Cost of funding earning assets | 1.3435% | 1,923 |
| Net interest margin | 3.9342% | 2,981 |
| Noninterest income to average assets | 1.3121% | 746 |
| Noninterest expense to average assets | 3.1817% | 2,956 |
| Loan and lease loss provision to assets | 0.3477% | 2,479 |
| Net operating income to assets | 1.2819% | 1,317 |
| Return on assets (ROA) | 1.2819% | 1,364 |
| Pretax return on assets | 1.2819% | 2,091 |
| Return on Equity (ROE) | 14.0872% | 976 |
| Retained earnings to average equity (ytd only) | 7.7186% | 1,836 |
| Net charge-offs to loans | 0.9822% | 1,377 |
| Credit loss provision to net charge-offs | 59.5238% | 3,554 |
| Earnings coverage of net charge-offs (x) | 2.7897% | 2,966 |
| Efficiency ratio | 66.1286% | 5,016 |
| Assets per employee ($millions) | 3.7527% | 4,415 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,700 |
| Loan loss allowance to noncurrent loans | 85.0623% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.9316% | 3,395 |
| Noncurrent loans to loans | 2.2312% | 3,281 |
| Net loans and leases to total assets | 57.2065% | 4,761 |
| Net loans and leases to deposits | 72.1620% | 4,053 |
| Net loans and leases to core deposits | 82.6122% | 3,365 |
| Total domestic deposits to total assets | 79.2751% | 6,125 |
| Equity capital to assets | 9.1722% | 4,916 |
| Core capital (leverage) ratio | 8.4281% | 5,577 |
| Tier 1 risk-based capital ratio | 12.2410% | 5,484 |
| Total risk-based capital ratio | 13.4958% | 5,479 |
| Memoranda: | ||
| Average total assets | $345,103,500 | 1,903 |
| Average earning assets | $306,950,500 | 1,944 |
| Average equity | $31,404,500 | 2,089 |
| Average total loans | $205,260,500 | 2,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 2,584 |
| Cost of funding earning assets | 1.7918% | 1,202 |
| Net interest margin | 3.6273% | 4,685 |
| Noninterest income to average assets | 1.2521% | 947 |
| Noninterest expense to average assets | 3.0705% | 3,584 |
| Loan and lease loss provision to assets | 0.8358% | 1,969 |
| Net operating income to assets | 0.5786% | 3,763 |
| Return on assets (ROA) | 0.5869% | 3,890 |
| Pretax return on assets | 0.5869% | 4,365 |
| Return on Equity (ROE) | 6.8184% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.3287% | 2,810 |
| Net charge-offs to loans | 1.1153% | 1,996 |
| Credit loss provision to net charge-offs | 123.4698% | 3,359 |
| Earnings coverage of net charge-offs (x) | 2.0895% | 4,153 |
| Efficiency ratio | 68.4633% | 4,462 |
| Assets per employee ($millions) | 3.5562% | 4,809 |
| Cash dividends to net income (ytd only)* | 36.5141% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 2,485 |
| Loan loss allowance to noncurrent loans | 88.3450% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.9316% | 3,435 |
| Noncurrent loans to loans | 2.1779% | 3,338 |
| Net loans and leases to total assets | 59.4769% | 4,761 |
| Net loans and leases to deposits | 75.5812% | 3,908 |
| Net loans and leases to core deposits | 86.3669% | 3,270 |
| Total domestic deposits to total assets | 78.6926% | 6,165 |
| Equity capital to assets | 9.0278% | 5,100 |
| Core capital (leverage) ratio | 8.0886% | 6,043 |
| Tier 1 risk-based capital ratio | 11.7268% | 5,703 |
| Total risk-based capital ratio | 12.9818% | 5,705 |
| Memoranda: | ||
| Average total assets | $349,972,800 | 1,868 |
| Average earning assets | $311,913,000 | 1,907 |
| Average equity | $30,124,200 | 2,166 |
| Average total loans | $212,418,400 | 2,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 2,851 |
| Cost of funding earning assets | 1.8932% | 1,053 |
| Net interest margin | 3.5126% | 5,238 |
| Noninterest income to average assets | 1.3271% | 775 |
| Noninterest expense to average assets | 3.2282% | 2,822 |
| Loan and lease loss provision to assets | 0.8959% | 1,697 |
| Net operating income to assets | 0.3352% | 5,029 |
| Return on assets (ROA) | 0.3462% | 5,156 |
| Pretax return on assets | 0.3462% | 5,379 |
| Return on Equity (ROE) | 4.0709% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.0709% | 3,609 |
| Net charge-offs to loans | 1.3400% | 1,513 |
| Credit loss provision to net charge-offs | 110.1260% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.5133% | 4,591 |
| Efficiency ratio | 72.3930% | 3,628 |
| Assets per employee ($millions) | 3.6062% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,868 |
| Loan loss allowance to noncurrent loans | 78.7439% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.0706% | 3,374 |
| Noncurrent loans to loans | 2.2555% | 3,379 |
| Net loans and leases to total assets | 58.2750% | 5,218 |
| Net loans and leases to deposits | 74.9299% | 4,352 |
| Net loans and leases to core deposits | 84.8653% | 3,826 |
| Total domestic deposits to total assets | 77.7728% | 6,301 |
| Equity capital to assets | 8.9750% | 5,611 |
| Core capital (leverage) ratio | 8.1643% | 6,090 |
| Tier 1 risk-based capital ratio | 11.6736% | 5,756 |
| Total risk-based capital ratio | 12.9270% | 5,728 |
| Memoranda: | ||
| Average total assets | $351,227,000 | 1,892 |
| Average earning assets | $313,186,750 | 1,927 |
| Average equity | $29,869,750 | 2,207 |
| Average total loans | $213,224,500 | 2,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 3,275 |
| Cost of funding earning assets | 2.0294% | 825 |
| Net interest margin | 3.3085% | 5,989 |
| Noninterest income to average assets | 1.2789% | 784 |
| Noninterest expense to average assets | 3.2573% | 2,702 |
| Loan and lease loss provision to assets | 1.2056% | 1,161 |
| Net operating income to assets | -0.2275% | 6,389 |
| Return on assets (ROA) | -0.2229% | 6,427 |
| Pretax return on assets | -0.2229% | 6,356 |
| Return on Equity (ROE) | -2.6702% | 6,485 |
| Retained earnings to average equity (ytd only) | -2.6702% | 6,249 |
| Net charge-offs to loans | 1.7097% | 1,092 |
| Credit loss provision to net charge-offs | 115.2800% | 3,524 |
| Earnings coverage of net charge-offs (x) | 0.9353% | 4,843 |
| Efficiency ratio | 76.9066% | 2,911 |
| Assets per employee ($millions) | 3.4970% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,869 |
| Loan loss allowance to noncurrent loans | 79.9744% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.1167% | 3,357 |
| Noncurrent loans to loans | 2.1961% | 3,485 |
| Net loans and leases to total assets | 61.2074% | 4,840 |
| Net loans and leases to deposits | 77.8754% | 3,989 |
| Net loans and leases to core deposits | 92.6732% | 2,892 |
| Total domestic deposits to total assets | 78.5966% | 6,131 |
| Equity capital to assets | 8.7054% | 5,876 |
| Core capital (leverage) ratio | 7.5205% | 6,808 |
| Tier 1 risk-based capital ratio | 10.8872% | 6,364 |
| Total risk-based capital ratio | 12.1407% | 6,345 |
| Memoranda: | ||
| Average total assets | $351,701,000 | 1,902 |
| Average earning assets | $314,279,000 | 1,936 |
| Average equity | $29,361,330 | 2,234 |
| Average total loans | $215,121,000 | 2,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4692% | 2,736 |
| Cost of funding earning assets | 2.0337% | 992 |
| Net interest margin | 3.4355% | 5,447 |
| Noninterest income to average assets | 1.2487% | 789 |
| Noninterest expense to average assets | 3.2847% | 2,579 |
| Loan and lease loss provision to assets | 2.0326% | 545 |
| Net operating income to assets | -0.9916% | 7,100 |
| Return on assets (ROA) | -0.9826% | 7,124 |
| Pretax return on assets | -0.9826% | 7,040 |
| Return on Equity (ROE) | -12.0172% | 7,215 |
| Retained earnings to average equity (ytd only) | -12.0172% | 7,068 |
| Net charge-offs to loans | 2.8714% | 547 |
| Credit loss provision to net charge-offs | 116.7742% | 2,985 |
| Earnings coverage of net charge-offs (x) | 0.5981% | 4,492 |
| Efficiency ratio | 75.9346% | 3,229 |
| Assets per employee ($millions) | 3.4961% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 2,921 |
| Loan loss allowance to noncurrent loans | 125.1762% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 4,022 |
| Noncurrent loans to loans | 1.3902% | 4,646 |
| Net loans and leases to total assets | 59.6288% | 5,184 |
| Net loans and leases to deposits | 75.6021% | 4,477 |
| Net loans and leases to core deposits | 93.3183% | 2,933 |
| Total domestic deposits to total assets | 78.8719% | 6,105 |
| Equity capital to assets | 8.2023% | 6,427 |
| Core capital (leverage) ratio | 7.3800% | 6,953 |
| Tier 1 risk-based capital ratio | 10.5667% | 6,570 |
| Total risk-based capital ratio | 11.8197% | 6,563 |
| Memoranda: | ||
| Average total assets | $356,198,000 | 1,924 |
| Average earning assets | $319,024,000 | 1,956 |
| Average equity | $29,125,000 | 2,278 |
| Average total loans | $215,925,500 | 2,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8766% | 2,341 |
| Cost of funding earning assets | 2.3247% | 1,563 |
| Net interest margin | 3.5519% | 4,737 |
| Noninterest income to average assets | 1.2707% | 936 |
| Noninterest expense to average assets | 3.5504% | 2,267 |
| Loan and lease loss provision to assets | 0.5567% | 3,588 |
| Net operating income to assets | 0.3441% | 4,354 |
| Return on assets (ROA) | 0.3557% | 4,399 |
| Pretax return on assets | 0.3557% | 4,623 |
| Return on Equity (ROE) | 4.4012% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.4012% | 2,165 |
| Net charge-offs to loans | 0.5070% | 3,754 |
| Credit loss provision to net charge-offs | 168.5965% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.7281% | 3,736 |
| Efficiency ratio | 79.7631% | 2,922 |
| Assets per employee ($millions) | 3.5224% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,300 |
| Loan loss allowance to noncurrent loans | 106.9359% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 3,827 |
| Noncurrent loans to loans | 1.4910% | 4,428 |
| Net loans and leases to total assets | 59.5898% | 5,402 |
| Net loans and leases to deposits | 75.7125% | 4,795 |
| Net loans and leases to core deposits | 79.7327% | 6,129 |
| Total domestic deposits to total assets | 78.7054% | 6,064 |
| Equity capital to assets | 8.1514% | 6,403 |
| Core capital (leverage) ratio | 7.5146% | 6,773 |
| Tier 1 risk-based capital ratio | 11.1997% | 5,721 |
| Total risk-based capital ratio | 12.4519% | 5,670 |
| Memoranda: | ||
| Average total assets | $345,254,800 | 1,978 |
| Average earning assets | $309,160,200 | 2,012 |
| Average equity | $27,901,400 | 2,385 |
| Average total loans | $224,857,800 | 2,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8758% | 2,556 |
| Cost of funding earning assets | 2.3470% | 1,821 |
| Net interest margin | 3.5288% | 4,748 |
| Noninterest income to average assets | 1.2200% | 1,033 |
| Noninterest expense to average assets | 3.6213% | 1,981 |
| Loan and lease loss provision to assets | 0.5704% | 3,104 |
| Net operating income to assets | 0.1865% | 5,205 |
| Return on assets (ROA) | 0.2005% | 5,242 |
| Pretax return on assets | 0.2005% | 5,304 |
| Return on Equity (ROE) | 2.4871% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.4871% | 3,931 |
| Net charge-offs to loans | 0.5223% | 3,125 |
| Credit loss provision to net charge-offs | 164.6396% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.1847% | 4,185 |
| Efficiency ratio | 82.7125% | 2,474 |
| Assets per employee ($millions) | 3.4448% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,516 |
| Loan loss allowance to noncurrent loans | 88.4939% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.9173% | 3,472 |
| Noncurrent loans to loans | 1.6801% | 4,129 |
| Net loans and leases to total assets | 60.3132% | 5,534 |
| Net loans and leases to deposits | 77.1682% | 4,870 |
| Net loans and leases to core deposits | 81.7786% | 6,206 |
| Total domestic deposits to total assets | 78.1582% | 6,035 |
| Equity capital to assets | 7.9635% | 6,884 |
| Core capital (leverage) ratio | 7.4738% | 7,008 |
| Tier 1 risk-based capital ratio | 10.5757% | 6,381 |
| Total risk-based capital ratio | 11.8264% | 6,345 |
| Memoranda: | ||
| Average total assets | $341,746,500 | 2,006 |
| Average earning assets | $305,858,250 | 2,055 |
| Average equity | $27,555,000 | 2,432 |
| Average total loans | $226,680,250 | 2,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9924% | 2,216 |
| Cost of funding earning assets | 2.3646% | 2,102 |
| Net interest margin | 3.6278% | 4,255 |
| Noninterest income to average assets | 1.2182% | 1,044 |
| Noninterest expense to average assets | 3.7140% | 1,812 |
| Loan and lease loss provision to assets | 0.5306% | 2,903 |
| Net operating income to assets | 0.2040% | 5,249 |
| Return on assets (ROA) | 0.2153% | 5,287 |
| Pretax return on assets | 0.2153% | 5,424 |
| Return on Equity (ROE) | 2.6588% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.6588% | 3,849 |
| Net charge-offs to loans | 0.3422% | 3,468 |
| Credit loss provision to net charge-offs | 227.5510% | 2,019 |
| Earnings coverage of net charge-offs (x) | 3.1505% | 3,544 |
| Efficiency ratio | 83.4871% | 2,545 |
| Assets per employee ($millions) | 3.3289% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 3,690 |
| Loan loss allowance to noncurrent loans | 107.7782% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7331% | 3,583 |
| Noncurrent loans to loans | 1.3049% | 4,598 |
| Net loans and leases to total assets | 63.9214% | 5,003 |
| Net loans and leases to deposits | 82.3619% | 4,164 |
| Net loans and leases to core deposits | 90.5818% | 5,486 |
| Total domestic deposits to total assets | 77.6104% | 6,174 |
| Equity capital to assets | 7.9007% | 6,866 |
| Core capital (leverage) ratio | 7.5456% | 6,965 |
| Tier 1 risk-based capital ratio | 10.1579% | 6,763 |
| Total risk-based capital ratio | 11.3892% | 6,710 |
| Memoranda: | ||
| Average total assets | $336,242,670 | 2,062 |
| Average earning assets | $299,411,670 | 2,118 |
| Average equity | $27,230,000 | 2,454 |
| Average total loans | $229,127,670 | 2,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 1,922 |
| Cost of funding earning assets | 2.3328% | 2,566 |
| Net interest margin | 3.7727% | 3,576 |
| Noninterest income to average assets | 1.1966% | 1,012 |
| Noninterest expense to average assets | 3.4976% | 2,105 |
| Loan and lease loss provision to assets | 0.2913% | 3,625 |
| Net operating income to assets | 0.7561% | 3,323 |
| Return on assets (ROA) | 0.7791% | 3,383 |
| Pretax return on assets | 0.7791% | 4,153 |
| Return on Equity (ROE) | 9.4981% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.4981% | 1,339 |
| Net charge-offs to loans | 0.2552% | 3,136 |
| Credit loss provision to net charge-offs | 163.2653% | 2,605 |
| Earnings coverage of net charge-offs (x) | 5.8707% | 2,594 |
| Efficiency ratio | 76.9559% | 3,333 |
| Assets per employee ($millions) | 3.4646% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 4,611 |
| Loan loss allowance to noncurrent loans | 250.9025% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 4,156 |
| Noncurrent loans to loans | 0.4888% | 6,210 |
| Net loans and leases to total assets | 65.2752% | 4,752 |
| Net loans and leases to deposits | 81.6226% | 4,346 |
| Net loans and leases to core deposits | 89.5542% | 5,598 |
| Total domestic deposits to total assets | 79.9720% | 5,381 |
| Equity capital to assets | 8.0168% | 6,778 |
| Core capital (leverage) ratio | 8.0814% | 6,325 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,627 |
| Total risk-based capital ratio | 11.3372% | 6,738 |
| Memoranda: | ||
| Average total assets | $329,595,500 | 2,117 |
| Average earning assets | $292,523,500 | 2,171 |
| Average equity | $27,037,000 | 2,487 |
| Average total loans | $230,383,500 | 2,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6396% | 2,295 |
| Cost of funding earning assets | 2.8643% | 2,418 |
| Net interest margin | 3.7753% | 4,120 |
| Noninterest income to average assets | 0.7441% | 2,815 |
| Noninterest expense to average assets | 3.2204% | 3,255 |
| Loan and lease loss provision to assets | 0.5930% | 2,452 |
| Net operating income to assets | 0.2860% | 5,584 |
| Return on assets (ROA) | 0.3173% | 5,304 |
| Pretax return on assets | 0.3173% | 5,473 |
| Return on Equity (ROE) | 3.8343% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.8343% | 2,741 |
| Net charge-offs to loans | 0.7359% | 1,680 |
| Credit loss provision to net charge-offs | 108.7407% | 4,946 |
| Earnings coverage of net charge-offs (x) | 1.6118% | 5,283 |
| Efficiency ratio | 78.5589% | 2,834 |
| Assets per employee ($millions) | 3.1307% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 4,941 |
| Loan loss allowance to noncurrent loans | 102.4790% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 2,704 |
| Noncurrent loans to loans | 1.1200% | 4,308 |
| Net loans and leases to total assets | 73.1854% | 3,318 |
| Net loans and leases to deposits | 88.3089% | 3,755 |
| Net loans and leases to core deposits | 97.4538% | 5,103 |
| Total domestic deposits to total assets | 82.8743% | 3,822 |
| Equity capital to assets | 8.4052% | 6,244 |
| Core capital (leverage) ratio | 8.1476% | 6,256 |
| Tier 1 risk-based capital ratio | 9.9397% | 6,806 |
| Total risk-based capital ratio | 10.9699% | 6,962 |
| Memoranda: | ||
| Average total assets | $318,900,200 | 2,094 |
| Average earning assets | $283,420,400 | 2,152 |
| Average equity | $26,393,200 | 2,523 |
| Average total loans | $236,303,800 | 2,000 |