Home > The Bank of South Carolina > Performance and Condition Ratios
The Bank of South Carolina, 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 | 4.1148% | 3,769 |
| Cost of funding earning assets | 0.9571% | 3,393 |
| Net interest margin | 3.1578% | 2,966 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1038% | 3,395 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8933% | 2,569 |
| Return on assets (ROA) | 0.8933% | 2,543 |
| Pretax return on assets | 1.1218% | 2,344 |
| Return on Equity (ROE) | 13.6100% | 1,577 |
| Retained earnings to average equity (ytd only) | 4.2338% | 2,879 |
| Net charge-offs to loans | 0.0041% | 2,585 |
| Credit loss provision to net charge-offs | -3,964.2857% | 4,591 |
| Earnings coverage of net charge-offs (x) | 517.4286% | 284 |
| Efficiency ratio | 65.0807% | 2,466 |
| Assets per employee ($millions) | 8.1206% | 1,376 |
| Cash dividends to net income (ytd only)* | 68.8994% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 2,998 |
| Loan loss allowance to noncurrent loans | 646.1806% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 2,922 |
| Noncurrent loans to loans | 0.1650% | 2,694 |
| Net loans and leases to total assets | 54.5300% | 3,311 |
| Net loans and leases to deposits | 65.5729% | 3,200 |
| Net loans and leases to core deposits | 67.4692% | 3,432 |
| Total domestic deposits to total assets | 83.1600% | 2,851 |
| Equity capital to assets | 7.3510% | 3,793 |
| Core capital (leverage) ratio | 9.7334% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $641,758,400 | 1,392 |
| Average earning assets | $605,296,600 | 1,368 |
| Average equity | $42,113,800 | 1,810 |
| Average total loans | $340,084,600 | 1,648 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,815 |
| Cost of funding earning assets | 0.8706% | 3,342 |
| Net interest margin | 3.1471% | 3,035 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1054% | 3,343 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8948% | 2,697 |
| Return on assets (ROA) | 0.8948% | 2,686 |
| Pretax return on assets | 1.1122% | 2,532 |
| Return on Equity (ROE) | 14.0500% | 1,642 |
| Retained earnings to average equity (ytd only) | 1.9381% | 3,736 |
| Net charge-offs to loans | 0.0083% | 2,102 |
| Credit loss provision to net charge-offs | -2,642.8571% | 4,617 |
| Earnings coverage of net charge-offs (x) | 257.9048% | 503 |
| Efficiency ratio | 65.2442% | 2,363 |
| Assets per employee ($millions) | 7.7452% | 1,484 |
| Cash dividends to net income (ytd only)* | 86.2069% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 2,903 |
| Loan loss allowance to noncurrent loans | 208.9426% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 1,870 |
| Noncurrent loans to loans | 0.5227% | 1,514 |
| Net loans and leases to total assets | 53.6300% | 3,393 |
| Net loans and leases to deposits | 64.5425% | 3,224 |
| Net loans and leases to core deposits | 65.7986% | 3,441 |
| Total domestic deposits to total assets | 83.0900% | 2,999 |
| Equity capital to assets | 6.4974% | 3,831 |
| Core capital (leverage) ratio | 9.4852% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $643,846,250 | 1,386 |
| Average earning assets | $608,154,250 | 1,365 |
| Average equity | $41,001,750 | 1,831 |
| Average total loans | $337,825,250 | 1,652 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 3,851 |
| Cost of funding earning assets | 0.7672% | 3,307 |
| Net interest margin | 3.1422% | 3,131 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0683% | 3,429 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9277% | 2,659 |
| Return on assets (ROA) | 0.9277% | 2,647 |
| Pretax return on assets | 1.1338% | 2,550 |
| Return on Equity (ROE) | 14.6600% | 1,537 |
| Retained earnings to average equity (ytd only) | 3.7097% | 3,280 |
| Net charge-offs to loans | 0.0273% | 1,344 |
| Credit loss provision to net charge-offs | 97.8261% | 1,469 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 1,043 |
| Efficiency ratio | 64.3138% | 2,449 |
| Assets per employee ($millions) | 8.0034% | 1,316 |
| Cash dividends to net income (ytd only)* | 74.7012% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,082 |
| Loan loss allowance to noncurrent loans | 590.4000% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 2,859 |
| Noncurrent loans to loans | 0.1816% | 2,568 |
| Net loans and leases to total assets | 52.5300% | 3,366 |
| Net loans and leases to deposits | 60.1348% | 3,406 |
| Net loans and leases to core deposits | 63.5399% | 3,472 |
| Total domestic deposits to total assets | 87.3500% | 1,818 |
| Equity capital to assets | 6.4602% | 4,007 |
| Core capital (leverage) ratio | 9.3513% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $649,340,667 | 1,377 |
| Average earning assets | $612,886,667 | 1,354 |
| Average equity | $41,081,667 | 1,839 |
| Average total loans | $337,041,333 | 1,642 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 3,886 |
| Cost of funding earning assets | 0.6081% | 3,358 |
| Net interest margin | 3.1769% | 3,169 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0096% | 3,611 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0242% | 2,457 |
| Return on assets (ROA) | 1.0242% | 2,423 |
| Pretax return on assets | 1.1953% | 2,436 |
| Return on Equity (ROE) | 16.3600% | 1,285 |
| Retained earnings to average equity (ytd only) | 6.5286% | 2,633 |
| Net charge-offs to loans | 0.0564% | 809 |
| Credit loss provision to net charge-offs | 95.7447% | 1,154 |
| Earnings coverage of net charge-offs (x) | 42.2766% | 1,169 |
| Efficiency ratio | 62.1668% | 2,669 |
| Assets per employee ($millions) | 7.7881% | 1,465 |
| Cash dividends to net income (ytd only)* | 60.0962% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,129 |
| Loan loss allowance to noncurrent loans | 476.0266% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 2,532 |
| Noncurrent loans to loans | 0.2689% | 2,183 |
| Net loans and leases to total assets | 51.1700% | 3,410 |
| Net loans and leases to deposits | 56.1907% | 3,562 |
| Net loans and leases to core deposits | 61.6796% | 3,463 |
| Total domestic deposits to total assets | 91.0700% | 779 |
| Equity capital to assets | 6.6560% | 3,981 |
| Core capital (leverage) ratio | 9.4159% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $649,873,000 | 1,395 |
| Average earning assets | $612,416,500 | 1,372 |
| Average equity | $40,682,500 | 1,875 |
| Average total loans | $333,458,000 | 1,670 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 3,765 |
| Cost of funding earning assets | 0.0487% | 4,578 |
| Net interest margin | 3.1772% | 2,937 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9577% | 3,687 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.0466% | 2,390 |
| Return on assets (ROA) | 1.0544% | 2,304 |
| Pretax return on assets | 1.3615% | 1,897 |
| Return on Equity (ROE) | 16.2600% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.7112% | 1,953 |
| Net charge-offs to loans | 0.0034% | 2,343 |
| Credit loss provision to net charge-offs | -681.8182% | 4,643 |
| Earnings coverage of net charge-offs (x) | 799.8182% | 229 |
| Efficiency ratio | 59.3626% | 3,142 |
| Assets per employee ($millions) | 8.0658% | 1,286 |
| Cash dividends to net income (ytd only)* | 52.5860% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,934 |
| Loan loss allowance to noncurrent loans | 678.9557% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,866 |
| Noncurrent loans to loans | 0.1904% | 2,528 |
| Net loans and leases to total assets | 50.1400% | 3,493 |
| Net loans and leases to deposits | 54.5865% | 3,646 |
| Net loans and leases to core deposits | 55.0502% | 3,767 |
| Total domestic deposits to total assets | 91.8500% | 677 |
| Equity capital to assets | 5.8684% | 4,141 |
| Core capital (leverage) ratio | 9.0316% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $656,475,200 | 1,368 |
| Average earning assets | $622,149,000 | 1,347 |
| Average equity | $42,561,400 | 1,842 |
| Average total loans | $321,671,000 | 1,632 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1152% | 3,641 |
| Cost of funding earning assets | 0.0241% | 4,654 |
| Net interest margin | 3.0911% | 2,962 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.9488% | 3,628 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.0143% | 2,428 |
| Return on assets (ROA) | 1.0242% | 2,364 |
| Pretax return on assets | 1.3245% | 1,967 |
| Return on Equity (ROE) | 15.4300% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.2723% | 2,275 |
| Net charge-offs to loans | -0.0113% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0475% | 3,106 |
| Assets per employee ($millions) | 8.0791% | 1,283 |
| Cash dividends to net income (ytd only)* | 52.8818% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 1,962 |
| Loan loss allowance to noncurrent loans | 682.8076% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,946 |
| Noncurrent loans to loans | 0.1927% | 2,638 |
| Net loans and leases to total assets | 51.5100% | 3,333 |
| Net loans and leases to deposits | 56.0081% | 3,481 |
| Net loans and leases to core deposits | 56.4613% | 3,603 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 5.6389% | 4,089 |
| Core capital (leverage) ratio | 8.7000% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7541% | 1,222 |
| Memoranda: | ||
| Average total assets | $657,260,750 | 1,372 |
| Average earning assets | $624,754,000 | 1,347 |
| Average equity | $43,616,750 | 1,832 |
| Average total loans | $319,126,500 | 1,641 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9713% | 3,625 |
| Cost of funding earning assets | 0.0227% | 4,712 |
| Net interest margin | 2.9486% | 3,037 |
| Noninterest income to average assets | 0.3209% | 3,253 |
| Noninterest expense to average assets | 1.9424% | 3,595 |
| Loan and lease loss provision to assets | -0.0225% | 4,441 |
| Net operating income to assets | 0.9314% | 2,438 |
| Return on assets (ROA) | 0.9461% | 2,353 |
| Pretax return on assets | 1.2247% | 1,987 |
| Return on Equity (ROE) | 13.6124% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.1843% | 2,278 |
| Net charge-offs to loans | -0.0032% | 3,218 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1375% | 3,030 |
| Assets per employee ($millions) | 8.6208% | 1,017 |
| Cash dividends to net income (ytd only)* | 54.5685% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,989 |
| Loan loss allowance to noncurrent loans | 621.5007% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 2,971 |
| Noncurrent loans to loans | 0.2161% | 2,635 |
| Net loans and leases to total assets | 48.2801% | 3,529 |
| Net loans and leases to deposits | 52.8129% | 3,624 |
| Net loans and leases to core deposits | 53.2262% | 3,744 |
| Total domestic deposits to total assets | 91.4173% | 1,056 |
| Equity capital to assets | 6.2758% | 4,108 |
| Core capital (leverage) ratio | 8.4783% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $666,290,333 | 1,364 |
| Average earning assets | $633,854,333 | 1,346 |
| Average equity | $46,310,667 | 1,786 |
| Average total loans | $315,855,667 | 1,648 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8306% | 3,682 |
| Cost of funding earning assets | 0.0219% | 4,729 |
| Net interest margin | 2.8087% | 3,112 |
| Noninterest income to average assets | 0.2971% | 3,340 |
| Noninterest expense to average assets | 1.8582% | 3,788 |
| Loan and lease loss provision to assets | -0.0447% | 4,504 |
| Net operating income to assets | 0.8901% | 2,316 |
| Return on assets (ROA) | 0.9193% | 2,202 |
| Pretax return on assets | 1.1937% | 1,831 |
| Return on Equity (ROE) | 12.6280% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.6166% | 2,026 |
| Net charge-offs to loans | -0.0038% | 3,264 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5576% | 3,200 |
| Assets per employee ($millions) | 8.5222% | 1,101 |
| Cash dividends to net income (ytd only)* | 47.6036% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,092 |
| Loan loss allowance to noncurrent loans | 683.3333% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,143 |
| Noncurrent loans to loans | 0.1984% | 2,828 |
| Net loans and leases to total assets | 47.1209% | 3,477 |
| Net loans and leases to deposits | 51.7793% | 3,581 |
| Net loans and leases to core deposits | 52.4442% | 3,699 |
| Total domestic deposits to total assets | 91.0033% | 1,030 |
| Equity capital to assets | 6.6925% | 4,345 |
| Core capital (leverage) ratio | 8.5607% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,846,000 | 1,363 |
| Average earning assets | $639,450,500 | 1,348 |
| Average equity | $48,907,000 | 1,766 |
| Average total loans | $313,469,500 | 1,644 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 3,138 |
| Cost of funding earning assets | 0.0300% | 4,759 |
| Net interest margin | 3.2916% | 2,336 |
| Noninterest income to average assets | 0.6032% | 2,140 |
| Noninterest expense to average assets | 2.2698% | 2,880 |
| Loan and lease loss provision to assets | 0.0197% | 2,676 |
| Net operating income to assets | 1.1175% | 2,221 |
| Return on assets (ROA) | 1.1522% | 2,158 |
| Pretax return on assets | 1.4997% | 1,727 |
| Return on Equity (ROE) | 13.0820% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.9720% | 2,375 |
| Net charge-offs to loans | -0.0219% | 4,015 |
| Credit loss provision to net charge-offs | -169.0141% | 3,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6029% | 3,061 |
| Assets per employee ($millions) | 8.4870% | 1,088 |
| Cash dividends to net income (ytd only)* | 54.3494% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,866 |
| Loan loss allowance to noncurrent loans | 537.7150% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 3,089 |
| Noncurrent loans to loans | 0.2631% | 2,666 |
| Net loans and leases to total assets | 44.9260% | 3,771 |
| Net loans and leases to deposits | 49.9669% | 3,884 |
| Net loans and leases to core deposits | 50.5609% | 3,988 |
| Total domestic deposits to total assets | 89.9115% | 997 |
| Equity capital to assets | 7.8542% | 4,445 |
| Core capital (leverage) ratio | 8.6629% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,638,200 | 1,433 |
| Average earning assets | $580,058,800 | 1,412 |
| Average equity | $53,516,200 | 1,665 |
| Average total loans | $324,451,000 | 1,609 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 2,988 |
| Cost of funding earning assets | 0.0322% | 4,835 |
| Net interest margin | 3.4068% | 2,135 |
| Noninterest income to average assets | 0.6626% | 1,962 |
| Noninterest expense to average assets | 2.3582% | 2,571 |
| Loan and lease loss provision to assets | 0.0271% | 2,451 |
| Net operating income to assets | 1.1744% | 2,253 |
| Return on assets (ROA) | 1.2221% | 2,151 |
| Pretax return on assets | 1.5923% | 1,725 |
| Return on Equity (ROE) | 13.4566% | 1,555 |
| Retained earnings to average equity (ytd only) | 6.3499% | 2,674 |
| Net charge-offs to loans | -0.0252% | 4,064 |
| Credit loss provision to net charge-offs | -193.5484% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1997% | 2,956 |
| Assets per employee ($millions) | 8.5380% | 1,039 |
| Cash dividends to net income (ytd only)* | 52.8117% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 2,144 |
| Loan loss allowance to noncurrent loans | 391.3978% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,043 |
| Noncurrent loans to loans | 0.3500% | 2,527 |
| Net loans and leases to total assets | 45.4704% | 3,830 |
| Net loans and leases to deposits | 50.3883% | 3,993 |
| Net loans and leases to core deposits | 50.9982% | 4,079 |
| Total domestic deposits to total assets | 90.2400% | 664 |
| Equity capital to assets | 7.7902% | 4,616 |
| Core capital (leverage) ratio | 9.4028% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,808,000 | 1,491 |
| Average earning assets | $563,486,750 | 1,462 |
| Average equity | $53,563,500 | 1,684 |
| Average total loans | $328,212,250 | 1,624 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 2,211 |
| Cost of funding earning assets | 0.0366% | 4,865 |
| Net interest margin | 3.7097% | 1,328 |
| Noninterest income to average assets | 0.7660% | 1,630 |
| Noninterest expense to average assets | 2.5581% | 1,969 |
| Loan and lease loss provision to assets | 0.0432% | 2,146 |
| Net operating income to assets | 1.3017% | 1,867 |
| Return on assets (ROA) | 1.3017% | 1,932 |
| Pretax return on assets | 1.6989% | 1,479 |
| Return on Equity (ROE) | 13.5354% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.4086% | 2,656 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4880% | 3,083 |
| Assets per employee ($millions) | 7.5531% | 1,445 |
| Cash dividends to net income (ytd only)* | 52.6534% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 2,308 |
| Loan loss allowance to noncurrent loans | 388.2777% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,001 |
| Noncurrent loans to loans | 0.3418% | 2,685 |
| Net loans and leases to total assets | 55.0540% | 3,008 |
| Net loans and leases to deposits | 62.2907% | 3,169 |
| Net loans and leases to core deposits | 62.8361% | 3,390 |
| Total domestic deposits to total assets | 88.3824% | 1,628 |
| Equity capital to assets | 9.2706% | 3,541 |
| Core capital (leverage) ratio | 9.6820% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,885,000 | 1,558 |
| Average earning assets | $529,579,333 | 1,529 |
| Average equity | $53,459,667 | 1,678 |
| Average total loans | $331,339,333 | 1,622 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 1,854 |
| Cost of funding earning assets | 0.0441% | 4,883 |
| Net interest margin | 3.8441% | 1,067 |
| Noninterest income to average assets | 0.7896% | 1,608 |
| Noninterest expense to average assets | 2.5435% | 2,040 |
| Loan and lease loss provision to assets | 0.0884% | 1,494 |
| Net operating income to assets | 1.3907% | 1,597 |
| Return on assets (ROA) | 1.3907% | 1,674 |
| Pretax return on assets | 1.8179% | 1,260 |
| Return on Equity (ROE) | 14.1872% | 1,398 |
| Retained earnings to average equity (ytd only) | 7.0485% | 2,563 |
| Net charge-offs to loans | 0.0119% | 1,512 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 258.8000% | 334 |
| Efficiency ratio | 57.1594% | 3,410 |
| Assets per employee ($millions) | 7.1924% | 1,656 |
| Cash dividends to net income (ytd only)* | 50.3178% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,527 |
| Loan loss allowance to noncurrent loans | 386.3309% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,153 |
| Noncurrent loans to loans | 0.3312% | 2,906 |
| Net loans and leases to total assets | 59.8498% | 2,559 |
| Net loans and leases to deposits | 68.1543% | 2,686 |
| Net loans and leases to core deposits | 68.8690% | 2,980 |
| Total domestic deposits to total assets | 87.8153% | 1,933 |
| Equity capital to assets | 9.4847% | 3,219 |
| Core capital (leverage) ratio | 10.1835% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $543,032,000 | 1,578 |
| Average earning assets | $517,050,000 | 1,543 |
| Average equity | $53,231,000 | 1,673 |
| Average total loans | $334,761,500 | 1,612 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 3,103 |
| Cost of funding earning assets | 0.0634% | 4,926 |
| Net interest margin | 3.8101% | 1,473 |
| Noninterest income to average assets | 0.7272% | 1,758 |
| Noninterest expense to average assets | 2.5776% | 2,621 |
| Loan and lease loss provision to assets | 0.0471% | 3,810 |
| Net operating income to assets | 1.3157% | 1,206 |
| Return on assets (ROA) | 1.3172% | 1,303 |
| Pretax return on assets | 1.7113% | 838 |
| Return on Equity (ROE) | 12.8249% | 1,084 |
| Retained earnings to average equity (ytd only) | 3.8484% | 2,898 |
| Net charge-offs to loans | 0.0187% | 2,703 |
| Credit loss provision to net charge-offs | 413.7931% | 1,402 |
| Earnings coverage of net charge-offs (x) | 154.3793% | 557 |
| Efficiency ratio | 59.4732% | 3,522 |
| Assets per employee ($millions) | 7.0033% | 1,587 |
| Cash dividends to net income (ytd only)* | 69.9926% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,651 |
| Loan loss allowance to noncurrent loans | 362.1107% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,207 |
| Noncurrent loans to loans | 0.3463% | 2,960 |
| Net loans and leases to total assets | 61.9228% | 2,622 |
| Net loans and leases to deposits | 71.0406% | 2,778 |
| Net loans and leases to core deposits | 71.7353% | 3,102 |
| Total domestic deposits to total assets | 87.1654% | 1,859 |
| Equity capital to assets | 10.1332% | 2,998 |
| Core capital (leverage) ratio | 10.1927% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,774,600 | 1,524 |
| Average earning assets | $482,586,000 | 1,501 |
| Average equity | $52,359,200 | 1,617 |
| Average total loans | $310,333,600 | 1,648 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 3,343 |
| Cost of funding earning assets | 0.0680% | 4,968 |
| Net interest margin | 3.8059% | 1,602 |
| Noninterest income to average assets | 0.6294% | 2,067 |
| Noninterest expense to average assets | 2.5253% | 2,761 |
| Loan and lease loss provision to assets | 0.0105% | 4,169 |
| Net operating income to assets | 1.3019% | 1,354 |
| Return on assets (ROA) | 1.3019% | 1,446 |
| Pretax return on assets | 1.6910% | 985 |
| Return on Equity (ROE) | 12.6311% | 1,211 |
| Retained earnings to average equity (ytd only) | 2.9455% | 3,547 |
| Net charge-offs to loans | -0.0482% | 4,661 |
| Credit loss provision to net charge-offs | -36.3636% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7447% | 3,422 |
| Assets per employee ($millions) | 6.5290% | 1,805 |
| Cash dividends to net income (ytd only)* | 76.6809% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,413 |
| Loan loss allowance to noncurrent loans | 359.3426% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,349 |
| Noncurrent loans to loans | 0.3466% | 3,044 |
| Net loans and leases to total assets | 62.2727% | 2,975 |
| Net loans and leases to deposits | 71.4494% | 3,182 |
| Net loans and leases to core deposits | 72.0726% | 3,466 |
| Total domestic deposits to total assets | 87.1564% | 1,603 |
| Equity capital to assets | 10.1063% | 3,140 |
| Core capital (leverage) ratio | 9.9891% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,156,250 | 1,515 |
| Average earning assets | $476,544,750 | 1,494 |
| Average equity | $51,965,500 | 1,619 |
| Average total loans | $304,474,750 | 1,664 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 3,601 |
| Cost of funding earning assets | 0.0731% | 5,002 |
| Net interest margin | 3.8319% | 1,736 |
| Noninterest income to average assets | 0.5227% | 2,477 |
| Noninterest expense to average assets | 2.4814% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2744% | 1,423 |
| Return on assets (ROA) | 1.2744% | 1,543 |
| Pretax return on assets | 1.6543% | 1,096 |
| Return on Equity (ROE) | 12.2786% | 1,264 |
| Retained earnings to average equity (ytd only) | 1.3600% | 3,986 |
| Net charge-offs to loans | -0.0726% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,413 |
| Assets per employee ($millions) | 6.6188% | 1,694 |
| Cash dividends to net income (ytd only)* | 88.9241% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,108 |
| Loan loss allowance to noncurrent loans | 230.6958% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 2,995 |
| Noncurrent loans to loans | 0.5542% | 2,503 |
| Net loans and leases to total assets | 58.4845% | 3,469 |
| Net loans and leases to deposits | 66.7345% | 3,662 |
| Net loans and leases to core deposits | 67.3290% | 3,900 |
| Total domestic deposits to total assets | 87.6376% | 1,359 |
| Equity capital to assets | 9.7017% | 3,475 |
| Core capital (leverage) ratio | 10.2646% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,925,667 | 1,510 |
| Average earning assets | $467,595,333 | 1,488 |
| Average equity | $51,471,667 | 1,625 |
| Average total loans | $294,805,667 | 1,688 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 3,555 |
| Cost of funding earning assets | 0.0848% | 5,056 |
| Net interest margin | 4.0040% | 1,384 |
| Noninterest income to average assets | 0.4732% | 2,689 |
| Noninterest expense to average assets | 2.4820% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3494% | 1,110 |
| Return on assets (ROA) | 1.3494% | 1,193 |
| Pretax return on assets | 1.7498% | 771 |
| Return on Equity (ROE) | 12.5314% | 977 |
| Retained earnings to average equity (ytd only) | -2.4057% | 4,295 |
| Net charge-offs to loans | -0.0142% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6517% | 3,918 |
| Assets per employee ($millions) | 6.0972% | 1,598 |
| Cash dividends to net income (ytd only)* | 119.1970% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,648 |
| Loan loss allowance to noncurrent loans | 202.4206% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,860 |
| Noncurrent loans to loans | 0.6989% | 2,250 |
| Net loans and leases to total assets | 55.9510% | 3,841 |
| Net loans and leases to deposits | 64.3204% | 3,964 |
| Net loans and leases to core deposits | 65.0639% | 4,127 |
| Total domestic deposits to total assets | 86.9880% | 1,557 |
| Equity capital to assets | 10.2063% | 3,603 |
| Core capital (leverage) ratio | 11.5750% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $472,517,500 | 1,529 |
| Average earning assets | $443,557,500 | 1,510 |
| Average equity | $50,880,000 | 1,637 |
| Average total loans | $281,443,000 | 1,706 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 2,184 |
| Cost of funding earning assets | 0.1956% | 4,973 |
| Net interest margin | 4.5580% | 636 |
| Noninterest income to average assets | 0.4246% | 3,141 |
| Noninterest expense to average assets | 2.5051% | 3,436 |
| Loan and lease loss provision to assets | 0.0409% | 3,196 |
| Net operating income to assets | 1.7032% | 654 |
| Return on assets (ROA) | 1.7123% | 685 |
| Pretax return on assets | 2.2150% | 373 |
| Return on Equity (ROE) | 15.5969% | 592 |
| Retained earnings to average equity (ytd only) | 6.9688% | 1,404 |
| Net charge-offs to loans | 0.1396% | 1,397 |
| Credit loss provision to net charge-offs | 46.0358% | 3,156 |
| Earnings coverage of net charge-offs (x) | 25.2685% | 1,737 |
| Efficiency ratio | 52.7454% | 4,548 |
| Assets per employee ($millions) | 5.6338% | 1,935 |
| Cash dividends to net income (ytd only)* | 55.3197% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,413 |
| Loan loss allowance to noncurrent loans | 240.3361% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 2,913 |
| Noncurrent loans to loans | 0.5968% | 2,394 |
| Net loans and leases to total assets | 61.8179% | 3,417 |
| Net loans and leases to deposits | 72.2952% | 3,496 |
| Net loans and leases to core deposits | 73.2515% | 3,780 |
| Total domestic deposits to total assets | 85.5076% | 2,287 |
| Equity capital to assets | 11.3987% | 2,626 |
| Core capital (leverage) ratio | 11.1448% | 2,381 |
| Tier 1 risk-based capital ratio | 15.2252% | 2,687 |
| Total risk-based capital ratio | 16.4580% | 2,631 |
| Memoranda: | ||
| Average total assets | $440,221,600 | 1,599 |
| Average earning assets | $417,704,000 | 1,557 |
| Average equity | $48,330,000 | 1,650 |
| Average total loans | $280,023,800 | 1,688 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 2,181 |
| Cost of funding earning assets | 0.2247% | 4,987 |
| Net interest margin | 4.5543% | 681 |
| Noninterest income to average assets | 0.4158% | 3,224 |
| Noninterest expense to average assets | 2.4722% | 3,510 |
| Loan and lease loss provision to assets | 0.0471% | 2,958 |
| Net operating income to assets | 1.7281% | 704 |
| Return on assets (ROA) | 1.7351% | 735 |
| Pretax return on assets | 2.2459% | 416 |
| Return on Equity (ROE) | 15.9590% | 611 |
| Retained earnings to average equity (ytd only) | 6.8523% | 1,929 |
| Net charge-offs to loans | 0.1085% | 1,383 |
| Credit loss provision to net charge-offs | 67.9825% | 2,639 |
| Earnings coverage of net charge-offs (x) | 32.9871% | 1,540 |
| Efficiency ratio | 51.9762% | 4,593 |
| Assets per employee ($millions) | 5.8056% | 1,758 |
| Cash dividends to net income (ytd only)* | 57.0629% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,316 |
| Loan loss allowance to noncurrent loans | 227.1530% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 2,896 |
| Noncurrent loans to loans | 0.6500% | 2,333 |
| Net loans and leases to total assets | 61.0201% | 3,591 |
| Net loans and leases to deposits | 71.0591% | 3,683 |
| Net loans and leases to core deposits | 72.2106% | 3,938 |
| Total domestic deposits to total assets | 85.8724% | 2,047 |
| Equity capital to assets | 11.0144% | 3,091 |
| Core capital (leverage) ratio | 11.1289% | 2,532 |
| Tier 1 risk-based capital ratio | 15.2021% | 2,758 |
| Total risk-based capital ratio | 16.4526% | 2,687 |
| Memoranda: | ||
| Average total assets | $439,010,250 | 1,604 |
| Average earning assets | $418,404,500 | 1,554 |
| Average equity | $47,729,500 | 1,671 |
| Average total loans | $280,246,000 | 1,703 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 2,179 |
| Cost of funding earning assets | 0.2356% | 4,995 |
| Net interest margin | 4.5274% | 722 |
| Noninterest income to average assets | 0.3886% | 3,350 |
| Noninterest expense to average assets | 2.4963% | 3,494 |
| Loan and lease loss provision to assets | 0.0668% | 2,477 |
| Net operating income to assets | 1.6699% | 768 |
| Return on assets (ROA) | 1.6805% | 786 |
| Pretax return on assets | 2.1736% | 472 |
| Return on Equity (ROE) | 15.5274% | 665 |
| Retained earnings to average equity (ytd only) | 7.7637% | 1,489 |
| Net charge-offs to loans | 0.1635% | 978 |
| Credit loss provision to net charge-offs | 63.3188% | 2,379 |
| Earnings coverage of net charge-offs (x) | 21.1223% | 1,740 |
| Efficiency ratio | 52.8512% | 4,575 |
| Assets per employee ($millions) | 5.6022% | 1,870 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,462 |
| Loan loss allowance to noncurrent loans | 704.9488% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,093 |
| Noncurrent loans to loans | 0.2041% | 3,819 |
| Net loans and leases to total assets | 63.9431% | 3,350 |
| Net loans and leases to deposits | 73.5190% | 3,556 |
| Net loans and leases to core deposits | 75.1147% | 3,809 |
| Total domestic deposits to total assets | 86.9749% | 1,602 |
| Equity capital to assets | 11.0624% | 2,985 |
| Core capital (leverage) ratio | 11.2684% | 2,362 |
| Tier 1 risk-based capital ratio | 14.9949% | 2,846 |
| Total risk-based capital ratio | 16.2455% | 2,763 |
| Memoranda: | ||
| Average total assets | $434,401,670 | 1,619 |
| Average earning assets | $415,916,330 | 1,567 |
| Average equity | $47,013,670 | 1,685 |
| Average total loans | $280,174,000 | 1,709 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 2,273 |
| Cost of funding earning assets | 0.2357% | 5,024 |
| Net interest margin | 4.4498% | 816 |
| Noninterest income to average assets | 0.3579% | 3,458 |
| Noninterest expense to average assets | 2.5181% | 3,449 |
| Loan and lease loss provision to assets | 0.0093% | 3,317 |
| Net operating income to assets | 1.6351% | 832 |
| Return on assets (ROA) | 1.6351% | 862 |
| Pretax return on assets | 2.1119% | 512 |
| Return on Equity (ROE) | 15.2820% | 697 |
| Retained earnings to average equity (ytd only) | 7.6801% | 1,778 |
| Net charge-offs to loans | 0.3397% | 455 |
| Credit loss provision to net charge-offs | 4.2553% | 2,203 |
| Earnings coverage of net charge-offs (x) | 9.7106% | 2,004 |
| Efficiency ratio | 54.2777% | 4,509 |
| Assets per employee ($millions) | 5.4636% | 2,020 |
| Cash dividends to net income (ytd only)* | 49.7442% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 1,545 |
| Loan loss allowance to noncurrent loans | 678.4014% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,117 |
| Noncurrent loans to loans | 0.2119% | 3,829 |
| Net loans and leases to total assets | 63.3764% | 3,365 |
| Net loans and leases to deposits | 72.6724% | 3,554 |
| Net loans and leases to core deposits | 74.3620% | 3,778 |
| Total domestic deposits to total assets | 87.2085% | 1,713 |
| Equity capital to assets | 10.8843% | 2,970 |
| Core capital (leverage) ratio | 11.1312% | 2,444 |
| Tier 1 risk-based capital ratio | 15.3297% | 2,740 |
| Total risk-based capital ratio | 16.5802% | 2,649 |
| Memoranda: | ||
| Average total assets | $430,317,500 | 1,633 |
| Average earning assets | $414,036,500 | 1,577 |
| Average equity | $46,041,000 | 1,702 |
| Average total loans | $276,699,000 | 1,732 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,423 |
| Cost of funding earning assets | 0.1661% | 5,131 |
| Net interest margin | 4.3468% | 1,047 |
| Noninterest income to average assets | 0.3898% | 3,495 |
| Noninterest expense to average assets | 2.6065% | 3,315 |
| Loan and lease loss provision to assets | 0.0750% | 2,626 |
| Net operating income to assets | 1.6483% | 775 |
| Return on assets (ROA) | 1.6493% | 776 |
| Pretax return on assets | 1.9145% | 691 |
| Return on Equity (ROE) | 16.5642% | 536 |
| Retained earnings to average equity (ytd only) | 7.8139% | 1,322 |
| Net charge-offs to loans | -0.0051% | 4,358 |
| Credit loss provision to net charge-offs | -2,321.4286% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7259% | 4,317 |
| Assets per employee ($millions) | 5.4306% | 2,027 |
| Cash dividends to net income (ytd only)* | 52.8268% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,207 |
| Loan loss allowance to noncurrent loans | 511.4078% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 3,858 |
| Noncurrent loans to loans | 0.2987% | 3,493 |
| Net loans and leases to total assets | 63.3194% | 3,425 |
| Net loans and leases to deposits | 70.8447% | 3,760 |
| Net loans and leases to core deposits | 73.6110% | 3,884 |
| Total domestic deposits to total assets | 89.3777% | 703 |
| Equity capital to assets | 10.5132% | 3,174 |
| Core capital (leverage) ratio | 10.5547% | 2,962 |
| Tier 1 risk-based capital ratio | 15.1340% | 2,761 |
| Total risk-based capital ratio | 16.3860% | 2,702 |
| Memoranda: | ||
| Average total assets | $433,270,600 | 1,585 |
| Average earning assets | $419,136,200 | 1,528 |
| Average equity | $43,141,200 | 1,736 |
| Average total loans | $275,900,000 | 1,690 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 2,533 |
| Cost of funding earning assets | 0.1423% | 5,241 |
| Net interest margin | 4.2869% | 1,141 |
| Noninterest income to average assets | 0.3945% | 3,516 |
| Noninterest expense to average assets | 2.5371% | 3,485 |
| Loan and lease loss provision to assets | 0.0706% | 2,551 |
| Net operating income to assets | 1.6223% | 919 |
| Return on assets (ROA) | 1.6236% | 915 |
| Pretax return on assets | 1.9309% | 764 |
| Return on Equity (ROE) | 16.5339% | 610 |
| Retained earnings to average equity (ytd only) | 7.4682% | 1,895 |
| Net charge-offs to loans | -0.0005% | 3,991 |
| Credit loss provision to net charge-offs | -23,000.0000% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9202% | 4,400 |
| Assets per employee ($millions) | 5.5052% | 1,910 |
| Cash dividends to net income (ytd only)* | 54.8308% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 1,415 |
| Loan loss allowance to noncurrent loans | 683.1947% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 4,248 |
| Noncurrent loans to loans | 0.2166% | 3,933 |
| Net loans and leases to total assets | 63.6657% | 3,470 |
| Net loans and leases to deposits | 70.8633% | 3,853 |
| Net loans and leases to core deposits | 75.1203% | 3,868 |
| Total domestic deposits to total assets | 89.8429% | 560 |
| Equity capital to assets | 10.0036% | 3,642 |
| Core capital (leverage) ratio | 10.2965% | 3,293 |
| Tier 1 risk-based capital ratio | 15.8589% | 2,501 |
| Total risk-based capital ratio | 17.1113% | 2,436 |
| Memoranda: | ||
| Average total assets | $434,334,750 | 1,590 |
| Average earning assets | $419,714,000 | 1,536 |
| Average equity | $42,650,750 | 1,755 |
| Average total loans | $275,909,250 | 1,699 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,705 |
| Cost of funding earning assets | 0.1195% | 5,345 |
| Net interest margin | 4.1976% | 1,294 |
| Noninterest income to average assets | 0.4028% | 3,462 |
| Noninterest expense to average assets | 2.4735% | 3,705 |
| Loan and lease loss provision to assets | 0.0596% | 2,711 |
| Net operating income to assets | 1.5817% | 957 |
| Return on assets (ROA) | 1.5836% | 962 |
| Pretax return on assets | 1.9327% | 714 |
| Return on Equity (ROE) | 16.2260% | 627 |
| Retained earnings to average equity (ytd only) | 8.7053% | 1,321 |
| Net charge-offs to loans | -0.0015% | 3,919 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4162% | 4,545 |
| Assets per employee ($millions) | 5.4751% | 1,905 |
| Cash dividends to net income (ytd only)* | 46.3499% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,680 |
| Loan loss allowance to noncurrent loans | 413.5191% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,470 |
| Noncurrent loans to loans | 0.3433% | 3,466 |
| Net loans and leases to total assets | 65.1499% | 3,253 |
| Net loans and leases to deposits | 72.5786% | 3,669 |
| Net loans and leases to core deposits | 76.9799% | 3,663 |
| Total domestic deposits to total assets | 89.7646% | 641 |
| Equity capital to assets | 10.0343% | 3,589 |
| Core capital (leverage) ratio | 10.4594% | 3,072 |
| Tier 1 risk-based capital ratio | 15.1845% | 2,786 |
| Total risk-based capital ratio | 16.4359% | 2,711 |
| Memoranda: | ||
| Average total assets | $435,978,330 | 1,592 |
| Average earning assets | $421,765,670 | 1,542 |
| Average equity | $42,549,000 | 1,762 |
| Average total loans | $275,382,670 | 1,712 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,905 |
| Cost of funding earning assets | 0.1032% | 5,458 |
| Net interest margin | 4.0904% | 1,467 |
| Noninterest income to average assets | 0.3760% | 3,619 |
| Noninterest expense to average assets | 2.4312% | 3,858 |
| Loan and lease loss provision to assets | 0.0500% | 2,779 |
| Net operating income to assets | 1.5264% | 1,019 |
| Return on assets (ROA) | 1.5294% | 1,016 |
| Pretax return on assets | 1.8591% | 801 |
| Return on Equity (ROE) | 15.8877% | 641 |
| Retained earnings to average equity (ytd only) | 8.8118% | 1,533 |
| Net charge-offs to loans | 0.1471% | 944 |
| Credit loss provision to net charge-offs | 55.0000% | 1,914 |
| Earnings coverage of net charge-offs (x) | 20.9800% | 1,448 |
| Efficiency ratio | 56.0628% | 4,569 |
| Assets per employee ($millions) | 5.6399% | 1,812 |
| Cash dividends to net income (ytd only)* | 44.5368% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,797 |
| Loan loss allowance to noncurrent loans | 425.1942% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,607 |
| Noncurrent loans to loans | 0.3317% | 3,580 |
| Net loans and leases to total assets | 61.6686% | 3,588 |
| Net loans and leases to deposits | 68.3973% | 3,920 |
| Net loans and leases to core deposits | 71.5550% | 4,003 |
| Total domestic deposits to total assets | 90.1624% | 597 |
| Equity capital to assets | 9.7538% | 3,835 |
| Core capital (leverage) ratio | 10.1311% | 3,382 |
| Tier 1 risk-based capital ratio | 15.2128% | 2,783 |
| Total risk-based capital ratio | 16.4638% | 2,716 |
| Memoranda: | ||
| Average total assets | $440,439,000 | 1,595 |
| Average earning assets | $426,460,000 | 1,532 |
| Average equity | $42,397,500 | 1,777 |
| Average total loans | $271,957,000 | 1,732 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,031 |
| Cost of funding earning assets | 0.1022% | 5,488 |
| Net interest margin | 4.0055% | 1,738 |
| Noninterest income to average assets | 0.4488% | 3,315 |
| Noninterest expense to average assets | 2.4659% | 3,892 |
| Loan and lease loss provision to assets | 0.0128% | 4,033 |
| Net operating income to assets | 1.1764% | 1,593 |
| Return on assets (ROA) | 1.1832% | 1,592 |
| Pretax return on assets | 1.8514% | 689 |
| Return on Equity (ROE) | 12.1093% | 1,177 |
| Retained earnings to average equity (ytd only) | 5.7228% | 1,695 |
| Net charge-offs to loans | 0.0120% | 3,661 |
| Credit loss provision to net charge-offs | 171.8750% | 1,574 |
| Earnings coverage of net charge-offs (x) | 249.2188% | 338 |
| Efficiency ratio | 57.0891% | 4,644 |
| Assets per employee ($millions) | 5.8001% | 1,655 |
| Cash dividends to net income (ytd only)* | 52.7401% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,673 |
| Loan loss allowance to noncurrent loans | 445.9148% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 3,719 |
| Noncurrent loans to loans | 0.3192% | 3,632 |
| Net loans and leases to total assets | 60.0974% | 3,818 |
| Net loans and leases to deposits | 66.4625% | 4,152 |
| Net loans and leases to core deposits | 69.3609% | 4,213 |
| Total domestic deposits to total assets | 90.4229% | 421 |
| Equity capital to assets | 9.5021% | 4,234 |
| Core capital (leverage) ratio | 9.8168% | 3,680 |
| Tier 1 risk-based capital ratio | 14.4361% | 3,119 |
| Total risk-based capital ratio | 15.6870% | 3,034 |
| Memoranda: | ||
| Average total assets | $430,268,000 | 1,613 |
| Average earning assets | $415,781,800 | 1,544 |
| Average equity | $42,042,000 | 1,772 |
| Average total loans | $266,259,800 | 1,731 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,086 |
| Cost of funding earning assets | 0.1017% | 5,551 |
| Net interest margin | 3.9697% | 1,804 |
| Noninterest income to average assets | 0.4580% | 3,287 |
| Noninterest expense to average assets | 2.4643% | 3,842 |
| Loan and lease loss provision to assets | 0.0166% | 3,815 |
| Net operating income to assets | 1.3011% | 1,326 |
| Return on assets (ROA) | 1.3115% | 1,331 |
| Pretax return on assets | 1.8273% | 830 |
| Return on Equity (ROE) | 13.3256% | 982 |
| Retained earnings to average equity (ytd only) | 7.0951% | 1,644 |
| Net charge-offs to loans | 0.0091% | 3,403 |
| Credit loss provision to net charge-offs | 294.4444% | 1,009 |
| Earnings coverage of net charge-offs (x) | 324.8808% | 283 |
| Efficiency ratio | 57.3916% | 4,574 |
| Assets per employee ($millions) | 5.6802% | 1,745 |
| Cash dividends to net income (ytd only)* | 46.7558% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,790 |
| Loan loss allowance to noncurrent loans | 240.3834% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,045 |
| Noncurrent loans to loans | 0.5932% | 2,929 |
| Net loans and leases to total assets | 62.2491% | 3,623 |
| Net loans and leases to deposits | 69.3505% | 4,015 |
| Net loans and leases to core deposits | 72.6692% | 4,091 |
| Total domestic deposits to total assets | 89.7601% | 558 |
| Equity capital to assets | 10.0472% | 3,858 |
| Core capital (leverage) ratio | 9.9087% | 3,683 |
| Tier 1 risk-based capital ratio | 14.8796% | 2,969 |
| Total risk-based capital ratio | 16.1312% | 2,899 |
| Memoranda: | ||
| Average total assets | $426,183,250 | 1,627 |
| Average earning assets | $411,806,500 | 1,571 |
| Average equity | $41,943,250 | 1,791 |
| Average total loans | $264,756,250 | 1,747 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 2,945 |
| Cost of funding earning assets | 0.0995% | 5,600 |
| Net interest margin | 3.9688% | 1,715 |
| Noninterest income to average assets | 0.4774% | 3,164 |
| Noninterest expense to average assets | 2.4989% | 3,757 |
| Loan and lease loss provision to assets | 0.0156% | 3,641 |
| Net operating income to assets | 1.2801% | 1,355 |
| Return on assets (ROA) | 1.2801% | 1,380 |
| Pretax return on assets | 1.7971% | 844 |
| Return on Equity (ROE) | 13.0997% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.9502% | 1,613 |
| Net charge-offs to loans | -0.0336% | 5,011 |
| Credit loss provision to net charge-offs | -75.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9580% | 4,595 |
| Assets per employee ($millions) | 5.6600% | 1,742 |
| Cash dividends to net income (ytd only)* | 46.9440% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,586 |
| Loan loss allowance to noncurrent loans | 213.5943% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,973 |
| Noncurrent loans to loans | 0.7007% | 2,651 |
| Net loans and leases to total assets | 60.1017% | 3,839 |
| Net loans and leases to deposits | 66.7838% | 4,167 |
| Net loans and leases to core deposits | 70.0327% | 4,223 |
| Total domestic deposits to total assets | 89.9944% | 541 |
| Equity capital to assets | 9.9442% | 3,982 |
| Core capital (leverage) ratio | 9.9249% | 3,625 |
| Tier 1 risk-based capital ratio | 14.4358% | 3,197 |
| Total risk-based capital ratio | 15.6873% | 3,127 |
| Memoranda: | ||
| Average total assets | $424,346,670 | 1,635 |
| Average earning assets | $409,948,670 | 1,582 |
| Average equity | $41,466,670 | 1,807 |
| Average total loans | $262,137,670 | 1,755 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,242 |
| Cost of funding earning assets | 0.0952% | 5,673 |
| Net interest margin | 3.8450% | 1,971 |
| Noninterest income to average assets | 0.4879% | 3,059 |
| Noninterest expense to average assets | 2.4421% | 3,989 |
| Loan and lease loss provision to assets | 0.0028% | 3,516 |
| Net operating income to assets | 1.2234% | 1,447 |
| Return on assets (ROA) | 1.2234% | 1,485 |
| Pretax return on assets | 1.7597% | 885 |
| Return on Equity (ROE) | 12.6335% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.2629% | 2,206 |
| Net charge-offs to loans | -0.0351% | 5,008 |
| Credit loss provision to net charge-offs | -13.0435% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0813% | 4,703 |
| Assets per employee ($millions) | 5.6389% | 1,777 |
| Cash dividends to net income (ytd only)* | 50.4267% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,702 |
| Loan loss allowance to noncurrent loans | 208.4409% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,011 |
| Noncurrent loans to loans | 0.7182% | 2,699 |
| Net loans and leases to total assets | 59.5281% | 3,834 |
| Net loans and leases to deposits | 65.9424% | 4,177 |
| Net loans and leases to core deposits | 69.2432% | 4,205 |
| Total domestic deposits to total assets | 90.2729% | 554 |
| Equity capital to assets | 9.6407% | 4,139 |
| Core capital (leverage) ratio | 10.0786% | 3,404 |
| Tier 1 risk-based capital ratio | 14.5278% | 3,178 |
| Total risk-based capital ratio | 15.7791% | 3,116 |
| Memoranda: | ||
| Average total assets | $421,439,500 | 1,657 |
| Average earning assets | $407,385,000 | 1,600 |
| Average equity | $40,812,000 | 1,829 |
| Average total loans | $261,975,500 | 1,764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,765 |
| Cost of funding earning assets | 0.0952% | 5,726 |
| Net interest margin | 4.0262% | 1,568 |
| Noninterest income to average assets | 0.5249% | 3,061 |
| Noninterest expense to average assets | 2.6642% | 3,474 |
| Loan and lease loss provision to assets | 0.1389% | 1,796 |
| Net operating income to assets | 1.2330% | 1,400 |
| Return on assets (ROA) | 1.3218% | 1,220 |
| Pretax return on assets | 1.7458% | 902 |
| Return on Equity (ROE) | 13.4296% | 897 |
| Retained earnings to average equity (ytd only) | 7.6359% | 987 |
| Net charge-offs to loans | 0.0516% | 3,007 |
| Credit loss provision to net charge-offs | 419.1176% | 765 |
| Earnings coverage of net charge-offs (x) | 53.3456% | 970 |
| Efficiency ratio | 60.1111% | 4,566 |
| Assets per employee ($millions) | 5.5243% | 1,846 |
| Cash dividends to net income (ytd only)* | 43.1416% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,858 |
| Loan loss allowance to noncurrent loans | 206.2099% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 3,001 |
| Noncurrent loans to loans | 0.7050% | 2,773 |
| Net loans and leases to total assets | 63.0210% | 3,479 |
| Net loans and leases to deposits | 69.9193% | 3,909 |
| Net loans and leases to core deposits | 73.0126% | 4,010 |
| Total domestic deposits to total assets | 90.1340% | 589 |
| Equity capital to assets | 9.7287% | 4,027 |
| Core capital (leverage) ratio | 9.7794% | 3,770 |
| Tier 1 risk-based capital ratio | 14.1042% | 3,408 |
| Total risk-based capital ratio | 15.3552% | 3,323 |
| Memoranda: | ||
| Average total assets | $410,364,600 | 1,643 |
| Average earning assets | $398,238,000 | 1,576 |
| Average equity | $40,388,400 | 1,836 |
| Average total loans | $263,809,200 | 1,709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 2,861 |
| Cost of funding earning assets | 0.0951% | 5,791 |
| Net interest margin | 4.0089% | 1,623 |
| Noninterest income to average assets | 0.5302% | 3,040 |
| Noninterest expense to average assets | 2.6251% | 3,580 |
| Loan and lease loss provision to assets | 0.1286% | 1,815 |
| Net operating income to assets | 1.2205% | 1,560 |
| Return on assets (ROA) | 1.3265% | 1,304 |
| Pretax return on assets | 1.8193% | 868 |
| Return on Equity (ROE) | 13.4391% | 934 |
| Retained earnings to average equity (ytd only) | 7.6154% | 1,352 |
| Net charge-offs to loans | 0.0344% | 2,945 |
| Credit loss provision to net charge-offs | 580.8824% | 629 |
| Earnings coverage of net charge-offs (x) | 81.4011% | 769 |
| Efficiency ratio | 59.2865% | 4,651 |
| Assets per employee ($millions) | 5.2529% | 2,093 |
| Cash dividends to net income (ytd only)* | 43.3341% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,296 |
| Loan loss allowance to noncurrent loans | 173.9433% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,945 |
| Noncurrent loans to loans | 0.7927% | 2,689 |
| Net loans and leases to total assets | 65.3710% | 3,223 |
| Net loans and leases to deposits | 73.1030% | 3,686 |
| Net loans and leases to core deposits | 76.3352% | 3,802 |
| Total domestic deposits to total assets | 89.4232% | 715 |
| Equity capital to assets | 10.1746% | 3,950 |
| Core capital (leverage) ratio | 9.6233% | 4,029 |
| Tier 1 risk-based capital ratio | 13.8019% | 3,666 |
| Total risk-based capital ratio | 15.0525% | 3,594 |
| Memoranda: | ||
| Average total assets | $409,375,250 | 1,653 |
| Average earning assets | $398,000,000 | 1,577 |
| Average equity | $40,408,500 | 1,844 |
| Average total loans | $263,521,000 | 1,717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,235 |
| Cost of funding earning assets | 0.0939% | 5,873 |
| Net interest margin | 3.9094% | 1,950 |
| Noninterest income to average assets | 0.4955% | 3,228 |
| Noninterest expense to average assets | 2.5598% | 3,860 |
| Loan and lease loss provision to assets | 0.0904% | 2,341 |
| Net operating income to assets | 1.1584% | 1,741 |
| Return on assets (ROA) | 1.2774% | 1,456 |
| Pretax return on assets | 1.8189% | 847 |
| Return on Equity (ROE) | 13.0759% | 1,010 |
| Retained earnings to average equity (ytd only) | 7.1232% | 1,543 |
| Net charge-offs to loans | 0.0698% | 2,193 |
| Credit loss provision to net charge-offs | 203.2967% | 1,287 |
| Earnings coverage of net charge-offs (x) | 39.1099% | 1,172 |
| Efficiency ratio | 59.5430% | 4,702 |
| Assets per employee ($millions) | 5.5194% | 1,784 |
| Cash dividends to net income (ytd only)* | 45.5241% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,964 |
| Loan loss allowance to noncurrent loans | 143.0550% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 2,880 |
| Noncurrent loans to loans | 0.8869% | 2,518 |
| Net loans and leases to total assets | 64.3036% | 3,321 |
| Net loans and leases to deposits | 71.3146% | 3,857 |
| Net loans and leases to core deposits | 75.1523% | 3,898 |
| Total domestic deposits to total assets | 90.1690% | 425 |
| Equity capital to assets | 9.6677% | 4,596 |
| Core capital (leverage) ratio | 9.7481% | 3,873 |
| Tier 1 risk-based capital ratio | 13.1907% | 4,081 |
| Total risk-based capital ratio | 14.3779% | 4,045 |
| Memoranda: | ||
| Average total assets | $409,258,330 | 1,653 |
| Average earning assets | $398,166,330 | 1,581 |
| Average equity | $39,982,000 | 1,856 |
| Average total loans | $260,832,330 | 1,729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,127 |
| Cost of funding earning assets | 0.0963% | 5,928 |
| Net interest margin | 3.9293% | 1,848 |
| Noninterest income to average assets | 0.4933% | 3,170 |
| Noninterest expense to average assets | 2.6139% | 3,709 |
| Loan and lease loss provision to assets | 0.0448% | 3,029 |
| Net operating income to assets | 1.1282% | 1,799 |
| Return on assets (ROA) | 1.2556% | 1,486 |
| Pretax return on assets | 1.8426% | 781 |
| Return on Equity (ROE) | 12.7823% | 1,084 |
| Retained earnings to average equity (ytd only) | 6.2897% | 2,239 |
| Net charge-offs to loans | 0.0411% | 2,179 |
| Credit loss provision to net charge-offs | 173.0769% | 1,183 |
| Earnings coverage of net charge-offs (x) | 65.6154% | 731 |
| Efficiency ratio | 60.5914% | 4,665 |
| Assets per employee ($millions) | 5.1746% | 2,166 |
| Cash dividends to net income (ytd only)* | 50.7937% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 2,730 |
| Loan loss allowance to noncurrent loans | 131.5850% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 2,755 |
| Noncurrent loans to loans | 1.0153% | 2,352 |
| Net loans and leases to total assets | 62.8861% | 3,400 |
| Net loans and leases to deposits | 70.0138% | 3,855 |
| Net loans and leases to core deposits | 74.9985% | 3,788 |
| Total domestic deposits to total assets | 89.8196% | 668 |
| Equity capital to assets | 9.9191% | 4,190 |
| Core capital (leverage) ratio | 9.7859% | 3,798 |
| Tier 1 risk-based capital ratio | 13.8674% | 3,779 |
| Total risk-based capital ratio | 15.1145% | 3,713 |
| Memoranda: | ||
| Average total assets | $401,391,000 | 1,682 |
| Average earning assets | $390,298,500 | 1,607 |
| Average equity | $39,429,500 | 1,875 |
| Average total loans | $252,849,500 | 1,777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,086 |
| Cost of funding earning assets | 0.1093% | 5,924 |
| Net interest margin | 4.2333% | 1,092 |
| Noninterest income to average assets | 0.5301% | 3,137 |
| Noninterest expense to average assets | 2.7511% | 3,407 |
| Loan and lease loss provision to assets | 0.0509% | 3,305 |
| Net operating income to assets | 1.2617% | 1,360 |
| Return on assets (ROA) | 1.3388% | 1,218 |
| Pretax return on assets | 1.9532% | 596 |
| Return on Equity (ROE) | 13.4168% | 966 |
| Retained earnings to average equity (ytd only) | 6.8788% | 1,332 |
| Net charge-offs to loans | 0.0448% | 3,317 |
| Credit loss provision to net charge-offs | 175.4545% | 1,544 |
| Earnings coverage of net charge-offs (x) | 65.2636% | 819 |
| Efficiency ratio | 59.2473% | 5,000 |
| Assets per employee ($millions) | 4.9896% | 2,378 |
| Cash dividends to net income (ytd only)* | 48.7301% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,532 |
| Loan loss allowance to noncurrent loans | 165.6810% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 3,023 |
| Noncurrent loans to loans | 0.8304% | 2,714 |
| Net loans and leases to total assets | 61.3844% | 3,640 |
| Net loans and leases to deposits | 68.1244% | 4,116 |
| Net loans and leases to core deposits | 73.4100% | 4,003 |
| Total domestic deposits to total assets | 90.1063% | 588 |
| Equity capital to assets | 9.7263% | 4,265 |
| Core capital (leverage) ratio | 9.5516% | 4,098 |
| Tier 1 risk-based capital ratio | 14.1709% | 3,624 |
| Total risk-based capital ratio | 15.4212% | 3,538 |
| Memoranda: | ||
| Average total assets | $379,369,200 | 1,731 |
| Average earning assets | $368,623,000 | 1,648 |
| Average equity | $37,855,600 | 1,893 |
| Average total loans | $245,391,600 | 1,756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,874 |
| Cost of funding earning assets | 0.1078% | 6,028 |
| Net interest margin | 4.3085% | 942 |
| Noninterest income to average assets | 0.5434% | 3,083 |
| Noninterest expense to average assets | 2.8174% | 3,112 |
| Loan and lease loss provision to assets | 0.0296% | 3,645 |
| Net operating income to assets | 1.2890% | 1,370 |
| Return on assets (ROA) | 1.3539% | 1,266 |
| Pretax return on assets | 1.9738% | 630 |
| Return on Equity (ROE) | 13.4771% | 1,014 |
| Retained earnings to average equity (ytd only) | 7.0966% | 1,641 |
| Net charge-offs to loans | 0.0703% | 2,560 |
| Credit loss provision to net charge-offs | 64.3411% | 2,852 |
| Earnings coverage of net charge-offs (x) | 41.5648% | 1,204 |
| Efficiency ratio | 59.6052% | 4,931 |
| Assets per employee ($millions) | 4.6884% | 2,727 |
| Cash dividends to net income (ytd only)* | 47.3435% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,971 |
| Loan loss allowance to noncurrent loans | 208.9581% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 3,584 |
| Noncurrent loans to loans | 0.6340% | 3,419 |
| Net loans and leases to total assets | 63.7218% | 3,348 |
| Net loans and leases to deposits | 71.1230% | 3,858 |
| Net loans and leases to core deposits | 78.9435% | 3,515 |
| Total domestic deposits to total assets | 89.5937% | 734 |
| Equity capital to assets | 10.0624% | 4,086 |
| Core capital (leverage) ratio | 9.8508% | 3,833 |
| Tier 1 risk-based capital ratio | 13.9523% | 3,871 |
| Total risk-based capital ratio | 15.1928% | 3,820 |
| Memoranda: | ||
| Average total assets | $374,420,250 | 1,767 |
| Average earning assets | $363,548,500 | 1,679 |
| Average equity | $37,613,500 | 1,916 |
| Average total loans | $244,628,750 | 1,770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,894 |
| Cost of funding earning assets | 0.1071% | 6,105 |
| Net interest margin | 4.2809% | 964 |
| Noninterest income to average assets | 0.5735% | 2,886 |
| Noninterest expense to average assets | 2.8086% | 3,197 |
| Loan and lease loss provision to assets | 0.0404% | 3,309 |
| Net operating income to assets | 1.2873% | 1,357 |
| Return on assets (ROA) | 1.3841% | 1,163 |
| Pretax return on assets | 2.0228% | 573 |
| Return on Equity (ROE) | 13.7856% | 945 |
| Retained earnings to average equity (ytd only) | 7.5584% | 1,445 |
| Net charge-offs to loans | 0.0016% | 3,850 |
| Credit loss provision to net charge-offs | 3,750.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,782.0000% | 28 |
| Efficiency ratio | 59.3846% | 5,064 |
| Assets per employee ($millions) | 4.7971% | 2,546 |
| Cash dividends to net income (ytd only)* | 45.1713% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,849 |
| Loan loss allowance to noncurrent loans | 141.2935% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 3,002 |
| Noncurrent loans to loans | 0.9769% | 2,693 |
| Net loans and leases to total assets | 65.9226% | 2,964 |
| Net loans and leases to deposits | 73.6560% | 3,531 |
| Net loans and leases to core deposits | 82.0386% | 3,167 |
| Total domestic deposits to total assets | 89.5007% | 902 |
| Equity capital to assets | 10.1761% | 3,831 |
| Core capital (leverage) ratio | 9.9605% | 3,664 |
| Tier 1 risk-based capital ratio | 13.3249% | 4,332 |
| Total risk-based capital ratio | 14.5721% | 4,261 |
| Memoranda: | ||
| Average total assets | $371,076,670 | 1,790 |
| Average earning assets | $360,248,330 | 1,702 |
| Average equity | $37,256,330 | 1,937 |
| Average total loans | $243,415,670 | 1,786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,337 |
| Cost of funding earning assets | 0.1041% | 6,190 |
| Net interest margin | 4.1292% | 1,210 |
| Noninterest income to average assets | 0.5474% | 2,965 |
| Noninterest expense to average assets | 2.6833% | 3,648 |
| Loan and lease loss provision to assets | 0.0054% | 3,639 |
| Net operating income to assets | 1.2813% | 1,335 |
| Return on assets (ROA) | 1.3637% | 1,170 |
| Pretax return on assets | 1.9896% | 597 |
| Return on Equity (ROE) | 13.6747% | 945 |
| Retained earnings to average equity (ytd only) | 6.7726% | 2,112 |
| Net charge-offs to loans | 0.0099% | 3,003 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | 290.6667% | 196 |
| Efficiency ratio | 58.8582% | 5,238 |
| Assets per employee ($millions) | 4.9568% | 2,410 |
| Cash dividends to net income (ytd only)* | 50.4732% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 3,024 |
| Loan loss allowance to noncurrent loans | 190.1882% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,671 |
| Noncurrent loans to loans | 0.7247% | 3,447 |
| Net loans and leases to total assets | 63.3261% | 3,188 |
| Net loans and leases to deposits | 71.5146% | 3,589 |
| Net loans and leases to core deposits | 79.2234% | 3,265 |
| Total domestic deposits to total assets | 88.5500% | 1,524 |
| Equity capital to assets | 10.0105% | 4,134 |
| Core capital (leverage) ratio | 9.7739% | 3,925 |
| Tier 1 risk-based capital ratio | 13.3878% | 4,379 |
| Total risk-based capital ratio | 14.6379% | 4,295 |
| Memoranda: | ||
| Average total assets | $371,926,500 | 1,795 |
| Average earning assets | $361,332,500 | 1,698 |
| Average equity | $37,090,500 | 1,964 |
| Average total loans | $241,668,000 | 1,796 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,484 |
| Cost of funding earning assets | 0.1188% | 6,252 |
| Net interest margin | 4.2145% | 1,258 |
| Noninterest income to average assets | 0.4633% | 3,756 |
| Noninterest expense to average assets | 2.7425% | 3,704 |
| Loan and lease loss provision to assets | 0.0233% | 4,138 |
| Net operating income to assets | 1.2278% | 1,505 |
| Return on assets (ROA) | 1.2885% | 1,381 |
| Pretax return on assets | 1.8611% | 699 |
| Return on Equity (ROE) | 12.9357% | 1,159 |
| Retained earnings to average equity (ytd only) | 4.8544% | 2,714 |
| Net charge-offs to loans | 0.0171% | 4,519 |
| Credit loss provision to net charge-offs | 207.5000% | 1,192 |
| Earnings coverage of net charge-offs (x) | 159.8500% | 338 |
| Efficiency ratio | 60.4209% | 5,162 |
| Assets per employee ($millions) | 4.7680% | 2,639 |
| Cash dividends to net income (ytd only)* | 62.4727% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 3,036 |
| Loan loss allowance to noncurrent loans | 154.6846% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 3,387 |
| Noncurrent loans to loans | 0.8930% | 3,085 |
| Net loans and leases to total assets | 64.8552% | 3,077 |
| Net loans and leases to deposits | 73.7024% | 3,473 |
| Net loans and leases to core deposits | 81.9077% | 3,122 |
| Total domestic deposits to total assets | 87.9961% | 1,775 |
| Equity capital to assets | 9.9336% | 4,196 |
| Core capital (leverage) ratio | 9.3730% | 4,436 |
| Tier 1 risk-based capital ratio | 13.6302% | 4,336 |
| Total risk-based capital ratio | 14.8807% | 4,271 |
| Memoranda: | ||
| Average total assets | $355,911,600 | 1,833 |
| Average earning assets | $344,193,200 | 1,739 |
| Average equity | $35,452,200 | 1,976 |
| Average total loans | $234,090,600 | 1,799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,563 |
| Cost of funding earning assets | 0.1209% | 6,331 |
| Net interest margin | 4.1940% | 1,306 |
| Noninterest income to average assets | 0.4248% | 4,062 |
| Noninterest expense to average assets | 2.6990% | 3,827 |
| Loan and lease loss provision to assets | 0.0238% | 3,930 |
| Net operating income to assets | 1.2104% | 1,647 |
| Return on assets (ROA) | 1.2687% | 1,522 |
| Pretax return on assets | 1.8343% | 821 |
| Return on Equity (ROE) | 12.7278% | 1,291 |
| Retained earnings to average equity (ytd only) | 4.2994% | 3,590 |
| Net charge-offs to loans | -0.0178% | 5,584 |
| Credit loss provision to net charge-offs | -203.2258% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3461% | 5,132 |
| Assets per employee ($millions) | 4.8255% | 2,486 |
| Cash dividends to net income (ytd only)* | 66.2202% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 3,022 |
| Loan loss allowance to noncurrent loans | 405.5090% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,843 |
| Noncurrent loans to loans | 0.3534% | 4,847 |
| Net loans and leases to total assets | 61.8815% | 3,503 |
| Net loans and leases to deposits | 70.5099% | 3,863 |
| Net loans and leases to core deposits | 78.9156% | 3,451 |
| Total domestic deposits to total assets | 87.7629% | 1,890 |
| Equity capital to assets | 9.4817% | 4,813 |
| Core capital (leverage) ratio | 9.4779% | 4,411 |
| Tier 1 risk-based capital ratio | 13.5563% | 4,502 |
| Total risk-based capital ratio | 14.8074% | 4,444 |
| Memoranda: | ||
| Average total assets | $353,105,000 | 1,861 |
| Average earning assets | $340,795,750 | 1,762 |
| Average equity | $35,197,750 | 1,994 |
| Average total loans | $232,252,500 | 1,815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,547 |
| Cost of funding earning assets | 0.1228% | 6,401 |
| Net interest margin | 4.1881% | 1,280 |
| Noninterest income to average assets | 0.3851% | 4,365 |
| Noninterest expense to average assets | 2.7156% | 3,806 |
| Loan and lease loss provision to assets | 0.0290% | 3,693 |
| Net operating income to assets | 1.1736% | 1,674 |
| Return on assets (ROA) | 1.2631% | 1,474 |
| Pretax return on assets | 1.8179% | 816 |
| Return on Equity (ROE) | 12.4506% | 1,315 |
| Retained earnings to average equity (ytd only) | 5.6573% | 2,538 |
| Net charge-offs to loans | -0.0329% | 5,719 |
| Credit loss provision to net charge-offs | -131.5789% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2621% | 5,107 |
| Assets per employee ($millions) | 4.7848% | 2,496 |
| Cash dividends to net income (ytd only)* | 54.5621% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 3,170 |
| Loan loss allowance to noncurrent loans | 466.2069% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 4,989 |
| Noncurrent loans to loans | 0.3077% | 5,092 |
| Net loans and leases to total assets | 64.7110% | 2,959 |
| Net loans and leases to deposits | 72.0138% | 3,566 |
| Net loans and leases to core deposits | 80.6829% | 3,133 |
| Total domestic deposits to total assets | 89.8592% | 874 |
| Equity capital to assets | 9.9274% | 4,207 |
| Core capital (leverage) ratio | 9.8632% | 3,793 |
| Tier 1 risk-based capital ratio | 13.4947% | 4,585 |
| Total risk-based capital ratio | 14.7457% | 4,528 |
| Memoranda: | ||
| Average total assets | $345,344,330 | 1,891 |
| Average earning assets | $333,756,330 | 1,805 |
| Average equity | $35,034,330 | 1,993 |
| Average total loans | $230,903,330 | 1,820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,666 |
| Cost of funding earning assets | 0.1246% | 6,472 |
| Net interest margin | 4.1356% | 1,373 |
| Noninterest income to average assets | 0.3674% | 4,444 |
| Noninterest expense to average assets | 2.7183% | 3,878 |
| Loan and lease loss provision to assets | 0.0354% | 3,350 |
| Net operating income to assets | 1.1288% | 1,703 |
| Return on assets (ROA) | 1.1991% | 1,555 |
| Pretax return on assets | 1.7142% | 947 |
| Return on Equity (ROE) | 11.6872% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.0088% | 3,108 |
| Net charge-offs to loans | -0.0035% | 4,764 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2397% | 5,089 |
| Assets per employee ($millions) | 4.3689% | 3,206 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 3,500 |
| Loan loss allowance to noncurrent loans | 220.8638% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 4,791 |
| Noncurrent loans to loans | 0.6430% | 4,253 |
| Net loans and leases to total assets | 68.5862% | 2,128 |
| Net loans and leases to deposits | 76.7792% | 2,716 |
| Net loans and leases to core deposits | 86.8625% | 2,213 |
| Total domestic deposits to total assets | 89.3292% | 1,458 |
| Equity capital to assets | 10.4089% | 3,344 |
| Core capital (leverage) ratio | 10.1199% | 3,402 |
| Tier 1 risk-based capital ratio | 13.2573% | 4,859 |
| Total risk-based capital ratio | 14.5080% | 4,791 |
| Memoranda: | ||
| Average total assets | $338,588,000 | 1,938 |
| Average earning assets | $327,494,500 | 1,838 |
| Average equity | $34,739,000 | 1,997 |
| Average total loans | $228,555,000 | 1,832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 2,287 |
| Cost of funding earning assets | 0.1285% | 6,612 |
| Net interest margin | 4.3518% | 995 |
| Noninterest income to average assets | 0.5965% | 3,112 |
| Noninterest expense to average assets | 2.9233% | 3,302 |
| Loan and lease loss provision to assets | 0.0620% | 3,898 |
| Net operating income to assets | 1.2718% | 1,325 |
| Return on assets (ROA) | 1.2718% | 1,384 |
| Pretax return on assets | 1.8300% | 704 |
| Return on Equity (ROE) | 12.4451% | 1,298 |
| Retained earnings to average equity (ytd only) | 5.8665% | 2,056 |
| Net charge-offs to loans | 0.1527% | 3,278 |
| Credit loss provision to net charge-offs | 59.4828% | 3,581 |
| Earnings coverage of net charge-offs (x) | 18.1552% | 1,670 |
| Efficiency ratio | 60.7090% | 5,388 |
| Assets per employee ($millions) | 4.4256% | 3,037 |
| Cash dividends to net income (ytd only)* | 52.8608% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 3,304 |
| Loan loss allowance to noncurrent loans | 208.3544% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 4,850 |
| Noncurrent loans to loans | 0.7083% | 4,198 |
| Net loans and leases to total assets | 64.4910% | 2,955 |
| Net loans and leases to deposits | 71.8370% | 3,539 |
| Net loans and leases to core deposits | 82.0737% | 2,888 |
| Total domestic deposits to total assets | 89.7741% | 1,199 |
| Equity capital to assets | 10.1129% | 3,618 |
| Core capital (leverage) ratio | 9.7318% | 3,939 |
| Tier 1 risk-based capital ratio | 13.3187% | 4,772 |
| Total risk-based capital ratio | 14.5696% | 4,713 |
| Memoranda: | ||
| Average total assets | $333,935,200 | 1,925 |
| Average earning assets | $323,727,000 | 1,834 |
| Average equity | $34,126,000 | 2,012 |
| Average total loans | $227,972,400 | 1,797 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 2,108 |
| Cost of funding earning assets | 0.1279% | 6,708 |
| Net interest margin | 4.4056% | 883 |
| Noninterest income to average assets | 0.6425% | 2,917 |
| Noninterest expense to average assets | 2.9582% | 3,115 |
| Loan and lease loss provision to assets | 0.0783% | 3,496 |
| Net operating income to assets | 1.3003% | 1,354 |
| Return on assets (ROA) | 1.3003% | 1,411 |
| Pretax return on assets | 1.8766% | 749 |
| Return on Equity (ROE) | 12.6899% | 1,317 |
| Retained earnings to average equity (ytd only) | 6.3645% | 2,203 |
| Net charge-offs to loans | 0.1402% | 3,136 |
| Credit loss provision to net charge-offs | 80.9129% | 2,829 |
| Earnings coverage of net charge-offs (x) | 20.2113% | 1,601 |
| Efficiency ratio | 60.2107% | 5,403 |
| Assets per employee ($millions) | 4.3378% | 3,161 |
| Cash dividends to net income (ytd only)* | 49.8457% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,593 |
| Loan loss allowance to noncurrent loans | 214.7749% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 5,013 |
| Noncurrent loans to loans | 0.6842% | 4,487 |
| Net loans and leases to total assets | 67.9877% | 2,296 |
| Net loans and leases to deposits | 75.9220% | 2,976 |
| Net loans and leases to core deposits | 84.8092% | 2,565 |
| Total domestic deposits to total assets | 89.5494% | 1,265 |
| Equity capital to assets | 10.2476% | 3,580 |
| Core capital (leverage) ratio | 10.1369% | 3,479 |
| Tier 1 risk-based capital ratio | 13.0371% | 5,098 |
| Total risk-based capital ratio | 14.2881% | 5,049 |
| Memoranda: | ||
| Average total assets | $332,225,750 | 1,947 |
| Average earning assets | $322,034,500 | 1,850 |
| Average equity | $34,042,000 | 2,036 |
| Average total loans | $229,200,500 | 1,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 2,068 |
| Cost of funding earning assets | 0.1280% | 6,759 |
| Net interest margin | 4.4079% | 832 |
| Noninterest income to average assets | 0.6773% | 2,755 |
| Noninterest expense to average assets | 2.9895% | 3,034 |
| Loan and lease loss provision to assets | 0.1025% | 3,085 |
| Net operating income to assets | 1.2912% | 1,347 |
| Return on assets (ROA) | 1.2912% | 1,441 |
| Pretax return on assets | 1.8647% | 798 |
| Return on Equity (ROE) | 12.6015% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.2743% | 2,275 |
| Net charge-offs to loans | 0.2124% | 2,492 |
| Credit loss provision to net charge-offs | 69.9588% | 2,831 |
| Earnings coverage of net charge-offs (x) | 13.4239% | 1,903 |
| Efficiency ratio | 60.3115% | 5,437 |
| Assets per employee ($millions) | 4.3641% | 3,066 |
| Cash dividends to net income (ytd only)* | 50.2102% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 3,605 |
| Loan loss allowance to noncurrent loans | 209.7378% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 5,098 |
| Noncurrent loans to loans | 0.7133% | 4,500 |
| Net loans and leases to total assets | 64.9902% | 2,758 |
| Net loans and leases to deposits | 72.3930% | 3,398 |
| Net loans and leases to core deposits | 80.5646% | 2,971 |
| Total domestic deposits to total assets | 89.7741% | 1,162 |
| Equity capital to assets | 10.0449% | 3,859 |
| Core capital (leverage) ratio | 9.9441% | 3,595 |
| Tier 1 risk-based capital ratio | 12.3716% | 5,591 |
| Total risk-based capital ratio | 13.6220% | 5,533 |
| Memoranda: | ||
| Average total assets | $331,631,330 | 1,956 |
| Average earning assets | $321,970,000 | 1,859 |
| Average equity | $33,980,000 | 2,050 |
| Average total loans | $228,776,670 | 1,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 2,230 |
| Cost of funding earning assets | 0.1270% | 6,845 |
| Net interest margin | 4.3540% | 874 |
| Noninterest income to average assets | 0.6772% | 2,710 |
| Noninterest expense to average assets | 2.9690% | 3,086 |
| Loan and lease loss provision to assets | 0.0917% | 3,129 |
| Net operating income to assets | 1.2798% | 1,334 |
| Return on assets (ROA) | 1.2798% | 1,431 |
| Pretax return on assets | 1.8482% | 806 |
| Return on Equity (ROE) | 12.3636% | 1,326 |
| Retained earnings to average equity (ytd only) | 5.9279% | 2,719 |
| Net charge-offs to loans | 0.1542% | 2,478 |
| Credit loss provision to net charge-offs | 84.2697% | 2,106 |
| Earnings coverage of net charge-offs (x) | 17.8315% | 1,293 |
| Efficiency ratio | 60.4831% | 5,521 |
| Assets per employee ($millions) | 4.5041% | 2,966 |
| Cash dividends to net income (ytd only)* | 52.0535% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,782 |
| Loan loss allowance to noncurrent loans | 85.0075% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 3,526 |
| Noncurrent loans to loans | 1.7766% | 2,897 |
| Net loans and leases to total assets | 67.8129% | 2,049 |
| Net loans and leases to deposits | 75.9457% | 2,644 |
| Net loans and leases to core deposits | 84.3485% | 2,287 |
| Total domestic deposits to total assets | 89.2912% | 1,494 |
| Equity capital to assets | 10.3538% | 3,730 |
| Core capital (leverage) ratio | 10.0328% | 3,332 |
| Tier 1 risk-based capital ratio | 12.3997% | 5,643 |
| Total risk-based capital ratio | 13.6506% | 5,587 |
| Memoranda: | ||
| Average total assets | $327,246,000 | 2,014 |
| Average earning assets | $318,049,000 | 1,908 |
| Average equity | $33,873,500 | 2,082 |
| Average total loans | $230,871,000 | 1,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 3,722 |
| Cost of funding earning assets | 0.1445% | 6,928 |
| Net interest margin | 4.2783% | 1,449 |
| Noninterest income to average assets | 0.7231% | 2,612 |
| Noninterest expense to average assets | 3.0608% | 3,046 |
| Loan and lease loss provision to assets | 0.1078% | 4,287 |
| Net operating income to assets | 1.1949% | 1,621 |
| Return on assets (ROA) | 1.1949% | 1,787 |
| Pretax return on assets | 1.7036% | 1,128 |
| Return on Equity (ROE) | 11.8318% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,540 |
| Net charge-offs to loans | 0.0107% | 5,779 |
| Credit loss provision to net charge-offs | 1,458.3333% | 171 |
| Earnings coverage of net charge-offs (x) | 245.0833% | 165 |
| Efficiency ratio | 62.8216% | 5,111 |
| Assets per employee ($millions) | 4.2855% | 3,385 |
| Cash dividends to net income (ytd only)* | 55.6701% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 3,904 |
| Loan loss allowance to noncurrent loans | 85.9324% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 3,604 |
| Noncurrent loans to loans | 1.6974% | 3,073 |
| Net loans and leases to total assets | 71.2087% | 1,615 |
| Net loans and leases to deposits | 79.6486% | 2,334 |
| Net loans and leases to core deposits | 88.2199% | 2,063 |
| Total domestic deposits to total assets | 89.4036% | 1,304 |
| Equity capital to assets | 10.3483% | 3,698 |
| Core capital (leverage) ratio | 10.0690% | 3,310 |
| Tier 1 risk-based capital ratio | 12.3892% | 5,549 |
| Total risk-based capital ratio | 13.6406% | 5,501 |
| Memoranda: | ||
| Average total assets | $324,715,000 | 1,981 |
| Average earning assets | $314,913,200 | 1,885 |
| Average equity | $32,793,000 | 2,103 |
| Average total loans | $224,519,600 | 1,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 4,336 |
| Cost of funding earning assets | 0.1488% | 7,037 |
| Net interest margin | 4.1802% | 1,799 |
| Noninterest income to average assets | 0.7088% | 2,664 |
| Noninterest expense to average assets | 2.9820% | 3,299 |
| Loan and lease loss provision to assets | 0.1151% | 4,126 |
| Net operating income to assets | 1.1662% | 1,847 |
| Return on assets (ROA) | 1.1662% | 2,041 |
| Pretax return on assets | 1.6642% | 1,382 |
| Return on Equity (ROE) | 11.6195% | 1,752 |
| Retained earnings to average equity (ytd only) | 5.3143% | 3,145 |
| Net charge-offs to loans | -0.0012% | 6,188 |
| Credit loss provision to net charge-offs | -14,000.0000% | 6,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6305% | 5,045 |
| Assets per employee ($millions) | 4.0530% | 3,765 |
| Cash dividends to net income (ytd only)* | 54.2634% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 4,007 |
| Loan loss allowance to noncurrent loans | 97.1338% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 4,023 |
| Noncurrent loans to loans | 1.5317% | 3,493 |
| Net loans and leases to total assets | 72.8508% | 1,416 |
| Net loans and leases to deposits | 82.0429% | 2,113 |
| Net loans and leases to core deposits | 91.5467% | 1,819 |
| Total domestic deposits to total assets | 88.7959% | 1,538 |
| Equity capital to assets | 10.8755% | 3,412 |
| Core capital (leverage) ratio | 10.0228% | 3,505 |
| Tier 1 risk-based capital ratio | 12.4405% | 5,683 |
| Total risk-based capital ratio | 13.6921% | 5,655 |
| Memoranda: | ||
| Average total assets | $324,469,750 | 2,000 |
| Average earning assets | $314,556,000 | 1,905 |
| Average equity | $32,565,250 | 2,137 |
| Average total loans | $221,810,250 | 1,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 4,884 |
| Cost of funding earning assets | 0.1530% | 7,111 |
| Net interest margin | 4.0670% | 2,222 |
| Noninterest income to average assets | 0.7110% | 2,608 |
| Noninterest expense to average assets | 2.9211% | 3,542 |
| Loan and lease loss provision to assets | 0.1212% | 4,011 |
| Net operating income to assets | 1.1493% | 1,883 |
| Return on assets (ROA) | 1.1493% | 2,095 |
| Pretax return on assets | 1.6154% | 1,502 |
| Return on Equity (ROE) | 11.7568% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.3079% | 3,089 |
| Net charge-offs to loans | -0.0318% | 6,545 |
| Credit loss provision to net charge-offs | -571.4286% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7147% | 5,130 |
| Assets per employee ($millions) | 4.2122% | 3,432 |
| Cash dividends to net income (ytd only)* | 54.8523% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,828 |
| Loan loss allowance to noncurrent loans | 97.5766% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 4,184 |
| Noncurrent loans to loans | 1.5765% | 3,544 |
| Net loans and leases to total assets | 68.6287% | 2,183 |
| Net loans and leases to deposits | 76.9643% | 2,842 |
| Net loans and leases to core deposits | 85.0257% | 2,558 |
| Total domestic deposits to total assets | 89.1695% | 1,407 |
| Equity capital to assets | 10.5591% | 3,613 |
| Core capital (leverage) ratio | 9.9204% | 3,527 |
| Tier 1 risk-based capital ratio | 12.6853% | 5,428 |
| Total risk-based capital ratio | 13.9369% | 5,405 |
| Memoranda: | ||
| Average total assets | $329,949,330 | 1,966 |
| Average earning assets | $320,190,670 | 1,869 |
| Average equity | $32,253,670 | 2,138 |
| Average total loans | $219,816,330 | 1,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 5,384 |
| Cost of funding earning assets | 0.1602% | 7,169 |
| Net interest margin | 3.9594% | 2,670 |
| Noninterest income to average assets | 0.6736% | 2,794 |
| Noninterest expense to average assets | 2.7770% | 4,134 |
| Loan and lease loss provision to assets | 0.1416% | 3,586 |
| Net operating income to assets | 1.1242% | 1,971 |
| Return on assets (ROA) | 1.1242% | 2,157 |
| Pretax return on assets | 1.6032% | 1,565 |
| Return on Equity (ROE) | 11.9409% | 1,690 |
| Retained earnings to average equity (ytd only) | 5.1748% | 3,457 |
| Net charge-offs to loans | -0.0145% | 6,067 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4140% | 5,381 |
| Assets per employee ($millions) | 4.5846% | 2,836 |
| Cash dividends to net income (ytd only)* | 56.6632% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 4,317 |
| Loan loss allowance to noncurrent loans | 149.8379% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,320 |
| Noncurrent loans to loans | 0.9774% | 4,722 |
| Net loans and leases to total assets | 63.3036% | 2,982 |
| Net loans and leases to deposits | 70.0392% | 3,734 |
| Net loans and leases to core deposits | 76.5789% | 3,546 |
| Total domestic deposits to total assets | 90.3832% | 874 |
| Equity capital to assets | 9.3210% | 5,064 |
| Core capital (leverage) ratio | 9.3081% | 4,354 |
| Tier 1 risk-based capital ratio | 12.4871% | 5,614 |
| Total risk-based capital ratio | 13.7384% | 5,579 |
| Memoranda: | ||
| Average total assets | $339,073,000 | 1,930 |
| Average earning assets | $329,549,000 | 1,833 |
| Average equity | $31,924,000 | 2,156 |
| Average total loans | $221,095,000 | 1,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 6,085 |
| Cost of funding earning assets | 0.2537% | 7,174 |
| Net interest margin | 3.9358% | 3,178 |
| Noninterest income to average assets | 0.5812% | 3,287 |
| Noninterest expense to average assets | 2.7880% | 4,390 |
| Loan and lease loss provision to assets | 0.1513% | 4,731 |
| Net operating income to assets | 1.0209% | 2,127 |
| Return on assets (ROA) | 1.0489% | 2,152 |
| Pretax return on assets | 1.4857% | 1,517 |
| Return on Equity (ROE) | 11.0474% | 1,682 |
| Retained earnings to average equity (ytd only) | 5.1055% | 2,558 |
| Net charge-offs to loans | 0.1453% | 4,981 |
| Credit loss provision to net charge-offs | 153.8462% | 1,826 |
| Earnings coverage of net charge-offs (x) | 16.2468% | 1,342 |
| Efficiency ratio | 63.5717% | 5,200 |
| Assets per employee ($millions) | 4.3987% | 3,068 |
| Cash dividends to net income (ytd only)* | 53.7861% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,437 |
| Loan loss allowance to noncurrent loans | 257.6285% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,075 |
| Noncurrent loans to loans | 0.5450% | 5,626 |
| Net loans and leases to total assets | 65.2650% | 2,928 |
| Net loans and leases to deposits | 72.3244% | 3,754 |
| Net loans and leases to core deposits | 78.7202% | 3,601 |
| Total domestic deposits to total assets | 90.2393% | 857 |
| Equity capital to assets | 9.5118% | 4,873 |
| Core capital (leverage) ratio | 8.9039% | 4,932 |
| Tier 1 risk-based capital ratio | 12.1555% | 5,721 |
| Total risk-based capital ratio | 13.4060% | 5,700 |
| Memoranda: | ||
| Average total assets | $317,286,600 | 2,025 |
| Average earning assets | $306,700,200 | 1,918 |
| Average equity | $30,124,600 | 2,189 |
| Average total loans | $214,711,400 | 1,914 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 6,215 |
| Cost of funding earning assets | 0.2772% | 7,248 |
| Net interest margin | 3.9182% | 3,290 |
| Noninterest income to average assets | 0.5793% | 3,304 |
| Noninterest expense to average assets | 2.7715% | 4,457 |
| Loan and lease loss provision to assets | 0.1533% | 4,544 |
| Net operating income to assets | 1.0109% | 2,282 |
| Return on assets (ROA) | 1.0482% | 2,294 |
| Pretax return on assets | 1.4886% | 1,683 |
| Return on Equity (ROE) | 11.0457% | 1,848 |
| Retained earnings to average equity (ytd only) | 5.2109% | 3,052 |
| Net charge-offs to loans | 0.2034% | 4,178 |
| Credit loss provision to net charge-offs | 110.7692% | 2,974 |
| Earnings coverage of net charge-offs (x) | 11.4770% | 1,805 |
| Efficiency ratio | 63.5635% | 5,143 |
| Assets per employee ($millions) | 5.0486% | 2,127 |
| Cash dividends to net income (ytd only)* | 52.8241% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,639 |
| Loan loss allowance to noncurrent loans | 214.7292% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 5,741 |
| Noncurrent loans to loans | 0.6426% | 5,603 |
| Net loans and leases to total assets | 56.8924% | 4,700 |
| Net loans and leases to deposits | 62.3459% | 5,360 |
| Net loans and leases to core deposits | 67.5535% | 5,230 |
| Total domestic deposits to total assets | 91.2529% | 361 |
| Equity capital to assets | 8.3491% | 6,446 |
| Core capital (leverage) ratio | 9.5892% | 4,012 |
| Tier 1 risk-based capital ratio | 12.4769% | 5,508 |
| Total risk-based capital ratio | 13.7273% | 5,500 |
| Memoranda: | ||
| Average total assets | $313,033,250 | 2,056 |
| Average earning assets | $302,066,000 | 1,950 |
| Average equity | $29,706,250 | 2,213 |
| Average total loans | $213,067,250 | 1,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 5,678 |
| Cost of funding earning assets | 0.3189% | 7,279 |
| Net interest margin | 4.0849% | 2,470 |
| Noninterest income to average assets | 0.6112% | 3,062 |
| Noninterest expense to average assets | 2.9770% | 3,728 |
| Loan and lease loss provision to assets | 0.1639% | 4,289 |
| Net operating income to assets | 0.9970% | 2,240 |
| Return on assets (ROA) | 1.0251% | 2,221 |
| Pretax return on assets | 1.4465% | 1,677 |
| Return on Equity (ROE) | 10.2770% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.4230% | 3,379 |
| Net charge-offs to loans | 0.3062% | 3,344 |
| Credit loss provision to net charge-offs | 73.8462% | 3,952 |
| Earnings coverage of net charge-offs (x) | 7.0769% | 2,278 |
| Efficiency ratio | 65.4603% | 4,975 |
| Assets per employee ($millions) | 4.0404% | 3,677 |
| Cash dividends to net income (ytd only)* | 56.9620% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,961 |
| Loan loss allowance to noncurrent loans | 312.9386% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,860 |
| Noncurrent loans to loans | 0.4223% | 6,056 |
| Net loans and leases to total assets | 71.2735% | 1,943 |
| Net loans and leases to deposits | 79.5382% | 2,879 |
| Net loans and leases to core deposits | 88.5221% | 2,560 |
| Total domestic deposits to total assets | 89.6091% | 1,181 |
| Equity capital to assets | 10.0264% | 4,111 |
| Core capital (leverage) ratio | 9.6899% | 3,673 |
| Tier 1 risk-based capital ratio | 12.3309% | 5,494 |
| Total risk-based capital ratio | 13.5579% | 5,492 |
| Memoranda: | ||
| Average total assets | $292,845,000 | 2,195 |
| Average earning assets | $282,212,330 | 2,085 |
| Average equity | $29,211,000 | 2,228 |
| Average total loans | $212,248,670 | 1,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 5,759 |
| Cost of funding earning assets | 0.3384% | 7,336 |
| Net interest margin | 4.0421% | 2,502 |
| Noninterest income to average assets | 0.7137% | 2,493 |
| Noninterest expense to average assets | 3.0893% | 3,298 |
| Loan and lease loss provision to assets | 0.1656% | 3,973 |
| Net operating income to assets | 0.9621% | 2,309 |
| Return on assets (ROA) | 0.9621% | 2,375 |
| Pretax return on assets | 1.3500% | 1,882 |
| Return on Equity (ROE) | 9.6713% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.7742% | 3,908 |
| Net charge-offs to loans | 0.5608% | 2,086 |
| Credit loss provision to net charge-offs | 40.6780% | 3,933 |
| Earnings coverage of net charge-offs (x) | 3.7220% | 2,655 |
| Efficiency ratio | 67.0863% | 4,832 |
| Assets per employee ($millions) | 4.0408% | 3,757 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,960 |
| Loan loss allowance to noncurrent loans | 205.5019% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,620 |
| Noncurrent loans to loans | 0.6502% | 5,730 |
| Net loans and leases to total assets | 68.2532% | 2,496 |
| Net loans and leases to deposits | 75.9559% | 3,426 |
| Net loans and leases to core deposits | 85.1430% | 3,013 |
| Total domestic deposits to total assets | 89.8589% | 1,240 |
| Equity capital to assets | 9.7511% | 4,107 |
| Core capital (leverage) ratio | 9.8993% | 3,270 |
| Tier 1 risk-based capital ratio | 11.9838% | 5,706 |
| Total risk-based capital ratio | 13.1541% | 5,769 |
| Memoranda: | ||
| Average total assets | $289,771,500 | 2,229 |
| Average earning assets | $278,965,000 | 2,122 |
| Average equity | $28,827,500 | 2,246 |
| Average total loans | $210,395,000 | 2,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 4,513 |
| Cost of funding earning assets | 0.4152% | 7,412 |
| Net interest margin | 4.5943% | 1,025 |
| Noninterest income to average assets | 0.8550% | 2,032 |
| Noninterest expense to average assets | 3.2697% | 2,835 |
| Loan and lease loss provision to assets | 0.2498% | 4,796 |
| Net operating income to assets | 1.2107% | 1,388 |
| Return on assets (ROA) | 1.2107% | 1,464 |
| Pretax return on assets | 1.7383% | 875 |
| Return on Equity (ROE) | 11.5428% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.4461% | 2,150 |
| Net charge-offs to loans | 0.3543% | 4,249 |
| Credit loss provision to net charge-offs | 88.3905% | 5,191 |
| Earnings coverage of net charge-offs (x) | 7.0343% | 2,215 |
| Efficiency ratio | 62.1871% | 5,698 |
| Assets per employee ($millions) | 3.9510% | 3,884 |
| Cash dividends to net income (ytd only)* | 52.8180% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,640 |
| Loan loss allowance to noncurrent loans | 311.0053% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 5,885 |
| Noncurrent loans to loans | 0.4417% | 6,158 |
| Net loans and leases to total assets | 75.2154% | 1,430 |
| Net loans and leases to deposits | 84.1969% | 2,420 |
| Net loans and leases to core deposits | 95.6507% | 2,053 |
| Total domestic deposits to total assets | 89.3327% | 1,481 |
| Equity capital to assets | 10.1586% | 3,550 |
| Core capital (leverage) ratio | 10.3211% | 2,749 |
| Tier 1 risk-based capital ratio | 11.9543% | 5,519 |
| Total risk-based capital ratio | 13.2044% | 5,495 |
| Memoranda: | ||
| Average total assets | $268,192,400 | 2,378 |
| Average earning assets | $257,011,800 | 2,282 |
| Average equity | $28,130,000 | 2,302 |
| Average total loans | $213,949,600 | 2,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 4,867 |
| Cost of funding earning assets | 0.4301% | 7,538 |
| Net interest margin | 4.5600% | 1,133 |
| Noninterest income to average assets | 0.7946% | 2,262 |
| Noninterest expense to average assets | 3.2353% | 2,797 |
| Loan and lease loss provision to assets | 0.2112% | 4,952 |
| Net operating income to assets | 1.1975% | 1,602 |
| Return on assets (ROA) | 1.1975% | 1,681 |
| Pretax return on assets | 1.7155% | 1,087 |
| Return on Equity (ROE) | 11.3224% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.1167% | 2,902 |
| Net charge-offs to loans | 0.4755% | 3,375 |
| Credit loss provision to net charge-offs | 55.0459% | 5,804 |
| Earnings coverage of net charge-offs (x) | 5.0210% | 2,870 |
| Efficiency ratio | 62.6754% | 5,493 |
| Assets per employee ($millions) | 3.5780% | 4,783 |
| Cash dividends to net income (ytd only)* | 54.8090% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,274 |
| Loan loss allowance to noncurrent loans | 284.0212% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,901 |
| Noncurrent loans to loans | 0.4377% | 6,325 |
| Net loans and leases to total assets | 81.6264% | 546 |
| Net loans and leases to deposits | 92.2957% | 1,407 |
| Net loans and leases to core deposits | 102.1429% | 1,639 |
| Total domestic deposits to total assets | 88.4401% | 1,705 |
| Equity capital to assets | 11.0626% | 2,899 |
| Core capital (leverage) ratio | 10.4562% | 2,734 |
| Tier 1 risk-based capital ratio | 11.7304% | 5,705 |
| Total risk-based capital ratio | 12.8721% | 5,796 |
| Memoranda: | ||
| Average total assets | $265,110,250 | 2,443 |
| Average earning assets | $253,914,500 | 2,339 |
| Average equity | $28,038,250 | 2,338 |
| Average total loans | $213,953,500 | 2,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 5,474 |
| Cost of funding earning assets | 0.4427% | 7,616 |
| Net interest margin | 4.4399% | 1,346 |
| Noninterest income to average assets | 0.7492% | 2,398 |
| Noninterest expense to average assets | 3.1755% | 2,987 |
| Loan and lease loss provision to assets | 0.1727% | 5,137 |
| Net operating income to assets | 1.1523% | 1,694 |
| Return on assets (ROA) | 1.1523% | 1,752 |
| Pretax return on assets | 1.6546% | 1,157 |
| Return on Equity (ROE) | 11.0620% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.9004% | 2,959 |
| Net charge-offs to loans | 0.1322% | 4,889 |
| Credit loss provision to net charge-offs | 163.1206% | 2,421 |
| Earnings coverage of net charge-offs (x) | 17.2624% | 1,357 |
| Efficiency ratio | 63.4754% | 5,437 |
| Assets per employee ($millions) | 3.8052% | 4,210 |
| Cash dividends to net income (ytd only)* | 55.7003% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,965 |
| Loan loss allowance to noncurrent loans | 191.2830% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 5,824 |
| Noncurrent loans to loans | 0.7814% | 5,712 |
| Net loans and leases to total assets | 78.2169% | 1,076 |
| Net loans and leases to deposits | 87.8279% | 2,202 |
| Net loans and leases to core deposits | 96.5411% | 2,386 |
| Total domestic deposits to total assets | 89.0570% | 1,404 |
| Equity capital to assets | 10.6425% | 3,229 |
| Core capital (leverage) ratio | 10.5535% | 2,584 |
| Tier 1 risk-based capital ratio | 12.0012% | 5,307 |
| Total risk-based capital ratio | 13.2528% | 5,279 |
| Memoranda: | ||
| Average total assets | $266,415,330 | 2,449 |
| Average earning assets | $255,229,000 | 2,349 |
| Average equity | $27,752,670 | 2,353 |
| Average total loans | $213,308,670 | 2,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 5,594 |
| Cost of funding earning assets | 0.4552% | 7,730 |
| Net interest margin | 4.4182% | 1,340 |
| Noninterest income to average assets | 0.7334% | 2,389 |
| Noninterest expense to average assets | 3.1452% | 3,077 |
| Loan and lease loss provision to assets | 0.1789% | 4,734 |
| Net operating income to assets | 1.1448% | 1,689 |
| Return on assets (ROA) | 1.1448% | 1,770 |
| Pretax return on assets | 1.6486% | 1,163 |
| Return on Equity (ROE) | 11.1073% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.5268% | 3,436 |
| Net charge-offs to loans | 0.1279% | 4,199 |
| Credit loss provision to net charge-offs | 173.9130% | 2,088 |
| Earnings coverage of net charge-offs (x) | 17.7681% | 1,264 |
| Efficiency ratio | 63.2494% | 5,620 |
| Assets per employee ($millions) | 3.7612% | 4,399 |
| Cash dividends to net income (ytd only)* | 59.2448% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 4,224 |
| Loan loss allowance to noncurrent loans | 279.0571% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,453 |
| Noncurrent loans to loans | 0.5151% | 6,259 |
| Net loans and leases to total assets | 77.9345% | 1,165 |
| Net loans and leases to deposits | 90.0568% | 1,889 |
| Net loans and leases to core deposits | 101.1473% | 2,015 |
| Total domestic deposits to total assets | 86.5393% | 2,881 |
| Equity capital to assets | 10.2732% | 3,502 |
| Core capital (leverage) ratio | 10.1975% | 2,931 |
| Tier 1 risk-based capital ratio | 11.5046% | 5,669 |
| Total risk-based capital ratio | 12.7556% | 5,648 |
| Memoranda: | ||
| Average total assets | $268,342,500 | 2,490 |
| Average earning assets | $257,482,000 | 2,375 |
| Average equity | $27,657,500 | 2,395 |
| Average total loans | $215,721,500 | 2,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 6,181 |
| Cost of funding earning assets | 0.5438% | 7,808 |
| Net interest margin | 4.5293% | 1,114 |
| Noninterest income to average assets | 0.9927% | 1,600 |
| Noninterest expense to average assets | 3.3650% | 2,791 |
| Loan and lease loss provision to assets | 0.9212% | 2,433 |
| Net operating income to assets | 0.7518% | 2,713 |
| Return on assets (ROA) | 0.8022% | 2,615 |
| Pretax return on assets | 1.1066% | 2,225 |
| Return on Equity (ROE) | 7.6444% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.2909% | 2,221 |
| Net charge-offs to loans | 0.3799% | 4,309 |
| Credit loss provision to net charge-offs | 306.8653% | 1,076 |
| Earnings coverage of net charge-offs (x) | 6.5220% | 2,347 |
| Efficiency ratio | 63.2186% | 5,928 |
| Assets per employee ($millions) | 3.6928% | 4,534 |
| Cash dividends to net income (ytd only)* | 43.8682% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,272 |
| Loan loss allowance to noncurrent loans | 497.0443% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,893 |
| Noncurrent loans to loans | 0.2802% | 6,726 |
| Net loans and leases to total assets | 80.5955% | 898 |
| Net loans and leases to deposits | 93.2190% | 1,707 |
| Net loans and leases to core deposits | 114.0157% | 2,493 |
| Total domestic deposits to total assets | 86.4583% | 2,783 |
| Equity capital to assets | 10.3411% | 3,351 |
| Core capital (leverage) ratio | 9.9923% | 3,099 |
| Tier 1 risk-based capital ratio | 11.3037% | 5,612 |
| Total risk-based capital ratio | 12.5540% | 5,559 |
| Memoranda: | ||
| Average total assets | $257,176,800 | 2,546 |
| Average earning assets | $245,865,000 | 2,445 |
| Average equity | $26,987,200 | 2,451 |
| Average total loans | $203,188,200 | 2,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 6,437 |
| Cost of funding earning assets | 0.5566% | 7,910 |
| Net interest margin | 4.4975% | 1,199 |
| Noninterest income to average assets | 1.0274% | 1,499 |
| Noninterest expense to average assets | 3.4216% | 2,506 |
| Loan and lease loss provision to assets | 0.6661% | 2,742 |
| Net operating income to assets | 0.8348% | 2,679 |
| Return on assets (ROA) | 0.8988% | 2,497 |
| Pretax return on assets | 1.3302% | 1,876 |
| Return on Equity (ROE) | 8.5328% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.0406% | 3,021 |
| Net charge-offs to loans | 0.4614% | 3,383 |
| Credit loss provision to net charge-offs | 184.3705% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.2648% | 2,883 |
| Efficiency ratio | 64.2703% | 5,693 |
| Assets per employee ($millions) | 3.8205% | 4,146 |
| Cash dividends to net income (ytd only)* | 52.6471% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,611 |
| Loan loss allowance to noncurrent loans | 972.4638% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 7,364 |
| Noncurrent loans to loans | 0.0964% | 7,242 |
| Net loans and leases to total assets | 78.4428% | 1,494 |
| Net loans and leases to deposits | 90.4681% | 2,492 |
| Net loans and leases to core deposits | 111.0085% | 3,128 |
| Total domestic deposits to total assets | 86.7077% | 2,324 |
| Equity capital to assets | 10.1056% | 3,953 |
| Core capital (leverage) ratio | 10.0042% | 3,276 |
| Tier 1 risk-based capital ratio | 11.0674% | 5,885 |
| Total risk-based capital ratio | 11.9211% | 6,252 |
| Memoranda: | ||
| Average total assets | $255,000,500 | 2,575 |
| Average earning assets | $243,596,500 | 2,480 |
| Average equity | $26,860,250 | 2,482 |
| Average total loans | $199,656,250 | 2,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 6,322 |
| Cost of funding earning assets | 0.5643% | 8,013 |
| Net interest margin | 4.5647% | 1,026 |
| Noninterest income to average assets | 1.1147% | 1,277 |
| Noninterest expense to average assets | 3.5555% | 2,176 |
| Loan and lease loss provision to assets | 0.1314% | 5,777 |
| Net operating income to assets | 1.1792% | 1,539 |
| Return on assets (ROA) | 1.2437% | 1,451 |
| Pretax return on assets | 1.8751% | 730 |
| Return on Equity (ROE) | 11.6358% | 1,523 |
| Retained earnings to average equity (ytd only) | 4.8507% | 2,591 |
| Net charge-offs to loans | 0.4419% | 3,043 |
| Credit loss provision to net charge-offs | 38.1395% | 5,930 |
| Earnings coverage of net charge-offs (x) | 5.5395% | 2,813 |
| Efficiency ratio | 65.0682% | 5,707 |
| Assets per employee ($millions) | 3.5808% | 4,621 |
| Cash dividends to net income (ytd only)* | 58.3119% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 7,694 |
| Loan loss allowance to noncurrent loans | 791.8367% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,449 |
| Noncurrent loans to loans | 0.0718% | 7,345 |
| Net loans and leases to total assets | 78.9879% | 1,524 |
| Net loans and leases to deposits | 91.5971% | 2,550 |
| Net loans and leases to core deposits | 109.9067% | 3,384 |
| Total domestic deposits to total assets | 86.2341% | 2,657 |
| Equity capital to assets | 10.4073% | 3,510 |
| Core capital (leverage) ratio | 10.3494% | 2,950 |
| Tier 1 risk-based capital ratio | 11.1751% | 5,697 |
| Total risk-based capital ratio | 11.6805% | 6,395 |
| Memoranda: | ||
| Average total assets | $249,582,330 | 2,640 |
| Average earning assets | $237,827,000 | 2,541 |
| Average equity | $26,676,330 | 2,505 |
| Average total loans | $194,610,670 | 2,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 6,649 |
| Cost of funding earning assets | 0.5664% | 8,071 |
| Net interest margin | 4.5327% | 1,061 |
| Noninterest income to average assets | 1.0380% | 1,380 |
| Noninterest expense to average assets | 3.2982% | 2,660 |
| Loan and lease loss provision to assets | 0.0831% | 5,893 |
| Net operating income to assets | 1.2982% | 1,386 |
| Return on assets (ROA) | 1.3509% | 1,351 |
| Pretax return on assets | 2.0402% | 620 |
| Return on Equity (ROE) | 12.4669% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,690 |
| Net charge-offs to loans | 0.0718% | 4,473 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 36.8824% | 904 |
| Efficiency ratio | 61.7450% | 6,105 |
| Assets per employee ($millions) | 3.6335% | 4,499 |
| Cash dividends to net income (ytd only)* | 53.0760% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 7,338 |
| Loan loss allowance to noncurrent loans | 522.3827% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 7,257 |
| Noncurrent loans to loans | 0.1417% | 7,115 |
| Net loans and leases to total assets | 78.5340% | 1,686 |
| Net loans and leases to deposits | 89.4658% | 3,019 |
| Net loans and leases to core deposits | 110.2940% | 3,394 |
| Total domestic deposits to total assets | 87.7810% | 1,854 |
| Equity capital to assets | 10.8242% | 3,150 |
| Core capital (leverage) ratio | 10.6229% | 2,812 |
| Tier 1 risk-based capital ratio | 11.9359% | 5,015 |
| Total risk-based capital ratio | 12.6113% | 5,446 |
| Memoranda: | ||
| Average total assets | $245,464,500 | 2,702 |
| Average earning assets | $233,062,000 | 2,609 |
| Average equity | $26,598,500 | 2,521 |
| Average total loans | $189,511,500 | 2,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 6,858 |
| Cost of funding earning assets | 0.8553% | 8,104 |
| Net interest margin | 4.8177% | 751 |
| Noninterest income to average assets | 0.6534% | 3,449 |
| Noninterest expense to average assets | 3.2189% | 3,265 |
| Loan and lease loss provision to assets | 0.0823% | 6,356 |
| Net operating income to assets | 1.2918% | 1,505 |
| Return on assets (ROA) | 1.2918% | 1,458 |
| Pretax return on assets | 1.8993% | 766 |
| Return on Equity (ROE) | 11.5936% | 1,717 |
| Retained earnings to average equity (ytd only) | 2.9744% | 3,321 |
| Net charge-offs to loans | 0.0574% | 5,955 |
| Credit loss provision to net charge-offs | 197.9381% | 2,468 |
| Earnings coverage of net charge-offs (x) | 47.6495% | 789 |
| Efficiency ratio | 61.8961% | 5,973 |
| Assets per employee ($millions) | 3.6396% | 4,313 |
| Cash dividends to net income (ytd only)* | 74.3445% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 7,175 |
| Loan loss allowance to noncurrent loans | 1,906.6667% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 7,468 |
| Noncurrent loans to loans | 0.0409% | 7,340 |
| Net loans and leases to total assets | 74.6791% | 2,949 |
| Net loans and leases to deposits | 84.4261% | 4,354 |
| Net loans and leases to core deposits | 96.6890% | 5,185 |
| Total domestic deposits to total assets | 88.4550% | 1,271 |
| Equity capital to assets | 10.8479% | 3,165 |
| Core capital (leverage) ratio | 10.8425% | 2,708 |
| Tier 1 risk-based capital ratio | 12.6018% | 4,367 |
| Total risk-based capital ratio | 13.3173% | 4,651 |
| Memoranda: | ||
| Average total assets | $233,248,400 | 2,725 |
| Average earning assets | $220,148,200 | 2,657 |
| Average equity | $25,988,400 | 2,563 |
| Average total loans | $168,931,200 | 2,630 |