Home > The Security National Bank of Sioux City, Iowa > Performance and Condition Ratios
The Security National Bank of Sioux City, Iowa, 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 | 4.3605% | 3,342 |
| Cost of funding earning assets | 1.1151% | 3,026 |
| Net interest margin | 3.2454% | 2,761 |
| Noninterest income to average assets | 1.3700% | 435 |
| Noninterest expense to average assets | 2.3929% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5495% | 940 |
| Return on assets (ROA) | 1.5495% | 908 |
| Pretax return on assets | 2.0105% | 659 |
| Return on Equity (ROE) | 14.8400% | 1,316 |
| Retained earnings to average equity (ytd only) | 5.4156% | 2,435 |
| Net charge-offs to loans | 0.0011% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3,166.6000% | 41 |
| Efficiency ratio | 54.2182% | 3,663 |
| Assets per employee ($millions) | 6.7061% | 2,270 |
| Cash dividends to net income (ytd only)* | 63.5116% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 590 |
| Loan loss allowance to noncurrent loans | 3,131.8996% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,401 |
| Noncurrent loans to loans | 0.0559% | 3,321 |
| Net loans and leases to total assets | 61.6600% | 2,704 |
| Net loans and leases to deposits | 82.6043% | 1,902 |
| Net loans and leases to core deposits | 87.1904% | 2,233 |
| Total domestic deposits to total assets | 74.6500% | 4,056 |
| Equity capital to assets | 10.7410% | 1,608 |
| Core capital (leverage) ratio | 12.0058% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,575,002,000 | 691 |
| Average earning assets | $1,472,436,600 | 674 |
| Average equity | $164,433,600 | 628 |
| Average total loans | $936,828,000 | 767 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,451 |
| Cost of funding earning assets | 1.0061% | 3,015 |
| Net interest margin | 3.2034% | 2,909 |
| Noninterest income to average assets | 1.5000% | 387 |
| Noninterest expense to average assets | 2.4127% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6227% | 900 |
| Return on assets (ROA) | 1.6227% | 889 |
| Pretax return on assets | 2.0815% | 681 |
| Return on Equity (ROE) | 16.3600% | 1,192 |
| Retained earnings to average equity (ytd only) | 8.6948% | 1,767 |
| Net charge-offs to loans | 0.0026% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,466.7143% | 103 |
| Efficiency ratio | 53.5411% | 3,622 |
| Assets per employee ($millions) | 6.0369% | 2,722 |
| Cash dividends to net income (ytd only)* | 46.8516% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 581 |
| Loan loss allowance to noncurrent loans | 2,579.7297% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,402 |
| Noncurrent loans to loans | 0.0693% | 3,265 |
| Net loans and leases to total assets | 56.3000% | 3,176 |
| Net loans and leases to deposits | 81.4744% | 1,940 |
| Net loans and leases to core deposits | 84.0413% | 2,324 |
| Total domestic deposits to total assets | 69.1000% | 4,344 |
| Equity capital to assets | 9.9823% | 1,839 |
| Core capital (leverage) ratio | 12.0756% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,315,321,750 | 797 |
| Average earning assets | $1,230,540,250 | 784 |
| Average equity | $130,465,000 | 755 |
| Average total loans | $724,532,250 | 927 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,483 |
| Cost of funding earning assets | 0.8576% | 3,051 |
| Net interest margin | 3.2437% | 2,879 |
| Noninterest income to average assets | 1.5100% | 324 |
| Noninterest expense to average assets | 2.4512% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6385% | 891 |
| Return on assets (ROA) | 1.6385% | 893 |
| Pretax return on assets | 2.1025% | 626 |
| Return on Equity (ROE) | 16.5500% | 1,175 |
| Retained earnings to average equity (ytd only) | 8.8952% | 1,712 |
| Net charge-offs to loans | -0.0008% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.6858% | 3,640 |
| Assets per employee ($millions) | 6.4226% | 2,362 |
| Cash dividends to net income (ytd only)* | 46.2663% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 550 |
| Loan loss allowance to noncurrent loans | 2,852.8785% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,432 |
| Noncurrent loans to loans | 0.0647% | 3,243 |
| Net loans and leases to total assets | 53.5200% | 3,298 |
| Net loans and leases to deposits | 73.5482% | 2,536 |
| Net loans and leases to core deposits | 75.5664% | 2,787 |
| Total domestic deposits to total assets | 72.7700% | 4,261 |
| Equity capital to assets | 9.9899% | 1,865 |
| Core capital (leverage) ratio | 11.8403% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,319,107,333 | 783 |
| Average earning assets | $1,235,747,333 | 765 |
| Average equity | $130,564,667 | 754 |
| Average total loans | $716,887,667 | 916 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,672 |
| Cost of funding earning assets | 0.6982% | 3,062 |
| Net interest margin | 3.2024% | 3,115 |
| Noninterest income to average assets | 1.5400% | 317 |
| Noninterest expense to average assets | 2.3831% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6847% | 847 |
| Return on assets (ROA) | 1.6847% | 843 |
| Pretax return on assets | 2.1630% | 600 |
| Return on Equity (ROE) | 17.1000% | 1,158 |
| Retained earnings to average equity (ytd only) | 9.3757% | 1,844 |
| Net charge-offs to loans | -0.0006% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2802% | 3,752 |
| Assets per employee ($millions) | 6.0889% | 2,687 |
| Cash dividends to net income (ytd only)* | 45.1753% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 540 |
| Loan loss allowance to noncurrent loans | 724.7021% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 2,510 |
| Noncurrent loans to loans | 0.2614% | 2,214 |
| Net loans and leases to total assets | 53.4100% | 3,240 |
| Net loans and leases to deposits | 71.6911% | 2,496 |
| Net loans and leases to core deposits | 73.6845% | 2,701 |
| Total domestic deposits to total assets | 74.5000% | 4,259 |
| Equity capital to assets | 10.1404% | 1,748 |
| Core capital (leverage) ratio | 11.5874% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,313,926,000 | 802 |
| Average earning assets | $1,231,717,000 | 782 |
| Average equity | $129,440,500 | 766 |
| Average total loans | $712,863,000 | 937 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8456% | 4,284 |
| Cost of funding earning assets | 0.2460% | 3,356 |
| Net interest margin | 2.5997% | 4,173 |
| Noninterest income to average assets | 1.4000% | 375 |
| Noninterest expense to average assets | 2.1856% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3123% | 1,386 |
| Return on assets (ROA) | 1.3134% | 1,348 |
| Pretax return on assets | 1.6816% | 965 |
| Return on Equity (ROE) | 14.4600% | 1,418 |
| Retained earnings to average equity (ytd only) | 13.2920% | 471 |
| Net charge-offs to loans | -0.0050% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3790% | 3,540 |
| Assets per employee ($millions) | 6.4296% | 2,395 |
| Cash dividends to net income (ytd only)* | 8.1046% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 827 |
| Loan loss allowance to noncurrent loans | 639.3330% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 2,546 |
| Noncurrent loans to loans | 0.2625% | 2,217 |
| Net loans and leases to total assets | 53.1600% | 3,269 |
| Net loans and leases to deposits | 69.6519% | 2,610 |
| Net loans and leases to core deposits | 70.9584% | 2,805 |
| Total domestic deposits to total assets | 76.3300% | 4,241 |
| Equity capital to assets | 9.5698% | 1,954 |
| Core capital (leverage) ratio | 11.2214% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,409,158,400 | 741 |
| Average earning assets | $1,334,001,200 | 718 |
| Average equity | $127,956,400 | 769 |
| Average total loans | $675,738,200 | 935 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5976% | 4,395 |
| Cost of funding earning assets | 0.1713% | 3,611 |
| Net interest margin | 2.4263% | 4,287 |
| Noninterest income to average assets | 1.3900% | 387 |
| Noninterest expense to average assets | 2.0661% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2673% | 1,463 |
| Return on assets (ROA) | 1.2688% | 1,422 |
| Pretax return on assets | 1.6244% | 1,060 |
| Return on Equity (ROE) | 14.1500% | 1,391 |
| Retained earnings to average equity (ytd only) | 14.1507% | 447 |
| Net charge-offs to loans | -0.0070% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.8518% | 3,633 |
| Assets per employee ($millions) | 6.4197% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 770 |
| Loan loss allowance to noncurrent loans | 635.6842% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,626 |
| Noncurrent loans to loans | 0.2780% | 2,261 |
| Net loans and leases to total assets | 49.3200% | 3,507 |
| Net loans and leases to deposits | 64.8826% | 2,801 |
| Net loans and leases to core deposits | 65.9662% | 2,954 |
| Total domestic deposits to total assets | 76.0200% | 4,364 |
| Equity capital to assets | 8.8247% | 2,332 |
| Core capital (leverage) ratio | 10.7187% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,428,716,500 | 736 |
| Average earning assets | $1,355,435,500 | 712 |
| Average equity | $128,103,750 | 777 |
| Average total loans | $664,764,250 | 945 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3232% | 4,506 |
| Cost of funding earning assets | 0.1440% | 3,651 |
| Net interest margin | 2.1792% | 4,460 |
| Noninterest income to average assets | 1.3699% | 384 |
| Noninterest expense to average assets | 1.9804% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1476% | 1,610 |
| Return on assets (ROA) | 1.1497% | 1,580 |
| Pretax return on assets | 1.4679% | 1,257 |
| Return on Equity (ROE) | 12.7597% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.7597% | 497 |
| Net charge-offs to loans | 0.0003% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10,632.0000% | 1 |
| Efficiency ratio | 57.3051% | 3,642 |
| Assets per employee ($millions) | 6.8082% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 823 |
| Loan loss allowance to noncurrent loans | 638.8329% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,472 |
| Noncurrent loans to loans | 0.2815% | 2,336 |
| Net loans and leases to total assets | 46.8940% | 3,636 |
| Net loans and leases to deposits | 61.0635% | 2,969 |
| Net loans and leases to core deposits | 62.1762% | 3,101 |
| Total domestic deposits to total assets | 76.7955% | 4,422 |
| Equity capital to assets | 8.9601% | 2,404 |
| Core capital (leverage) ratio | 9.9971% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,451,298,333 | 715 |
| Average earning assets | $1,382,340,000 | 697 |
| Average equity | $130,771,000 | 768 |
| Average total loans | $658,571,667 | 942 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0992% | 4,579 |
| Cost of funding earning assets | 0.1456% | 3,558 |
| Net interest margin | 1.9536% | 4,542 |
| Noninterest income to average assets | 1.3642% | 400 |
| Noninterest expense to average assets | 1.9503% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0062% | 1,856 |
| Return on assets (ROA) | 1.0105% | 1,829 |
| Pretax return on assets | 1.2848% | 1,554 |
| Return on Equity (ROE) | 11.1847% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.1847% | 749 |
| Net charge-offs to loans | -0.0012% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2098% | 3,464 |
| Assets per employee ($millions) | 7.3396% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 847 |
| Loan loss allowance to noncurrent loans | 481.8000% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 2,617 |
| Noncurrent loans to loans | 0.3782% | 2,136 |
| Net loans and leases to total assets | 43.5520% | 3,772 |
| Net loans and leases to deposits | 57.4004% | 3,136 |
| Net loans and leases to core deposits | 58.4415% | 3,274 |
| Total domestic deposits to total assets | 75.8740% | 4,508 |
| Equity capital to assets | 8.6321% | 3,043 |
| Core capital (leverage) ratio | 9.6022% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,475,706,000 | 708 |
| Average earning assets | $1,409,102,500 | 693 |
| Average equity | $133,324,500 | 766 |
| Average total loans | $652,996,000 | 942 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2671% | 4,601 |
| Cost of funding earning assets | 0.2041% | 3,422 |
| Net interest margin | 2.0630% | 4,566 |
| Noninterest income to average assets | 1.4441% | 537 |
| Noninterest expense to average assets | 2.1152% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0231% | 2,582 |
| Return on assets (ROA) | 1.0391% | 2,591 |
| Pretax return on assets | 1.3155% | 2,313 |
| Return on Equity (ROE) | 10.8982% | 2,198 |
| Retained earnings to average equity (ytd only) | 8.6548% | 1,296 |
| Net charge-offs to loans | -0.0012% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8427% | 2,893 |
| Assets per employee ($millions) | 7.0946% | 1,865 |
| Cash dividends to net income (ytd only)* | 20.5846% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 773 |
| Loan loss allowance to noncurrent loans | 485.0181% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,746 |
| Noncurrent loans to loans | 0.3849% | 2,209 |
| Net loans and leases to total assets | 43.3129% | 3,889 |
| Net loans and leases to deposits | 57.3645% | 3,306 |
| Net loans and leases to core deposits | 58.5768% | 3,427 |
| Total domestic deposits to total assets | 75.5047% | 4,533 |
| Equity capital to assets | 9.4450% | 3,190 |
| Core capital (leverage) ratio | 9.4650% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,402,512,000 | 715 |
| Average earning assets | $1,336,768,600 | 700 |
| Average equity | $133,728,800 | 779 |
| Average total loans | $640,787,000 | 947 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3053% | 4,670 |
| Cost of funding earning assets | 0.2140% | 3,476 |
| Net interest margin | 2.0913% | 4,628 |
| Noninterest income to average assets | 1.4497% | 578 |
| Noninterest expense to average assets | 2.0376% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1056% | 2,538 |
| Return on assets (ROA) | 1.1083% | 2,577 |
| Pretax return on assets | 1.4071% | 2,304 |
| Return on Equity (ROE) | 11.5950% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.5796% | 1,847 |
| Net charge-offs to loans | -0.0015% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0318% | 3,119 |
| Assets per employee ($millions) | 6.7329% | 2,064 |
| Cash dividends to net income (ytd only)* | 26.0055% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 743 |
| Loan loss allowance to noncurrent loans | 488.3212% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,986 |
| Noncurrent loans to loans | 0.3930% | 2,387 |
| Net loans and leases to total assets | 42.5099% | 4,059 |
| Net loans and leases to deposits | 57.3779% | 3,457 |
| Net loans and leases to core deposits | 58.9730% | 3,552 |
| Total domestic deposits to total assets | 74.0876% | 4,633 |
| Equity capital to assets | 9.4570% | 3,416 |
| Core capital (leverage) ratio | 9.4780% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,387,770,500 | 728 |
| Average earning assets | $1,321,576,500 | 714 |
| Average equity | $132,651,750 | 799 |
| Average total loans | $639,721,000 | 962 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3050% | 4,723 |
| Cost of funding earning assets | 0.2228% | 3,532 |
| Net interest margin | 2.0821% | 4,663 |
| Noninterest income to average assets | 1.4375% | 587 |
| Noninterest expense to average assets | 2.0299% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0949% | 2,573 |
| Return on assets (ROA) | 1.0991% | 2,620 |
| Pretax return on assets | 1.3952% | 2,358 |
| Return on Equity (ROE) | 11.4556% | 2,250 |
| Retained earnings to average equity (ytd only) | 6.8837% | 2,472 |
| Net charge-offs to loans | -0.0016% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1731% | 3,130 |
| Assets per employee ($millions) | 7.3602% | 1,554 |
| Cash dividends to net income (ytd only)* | 39.9095% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 724 |
| Loan loss allowance to noncurrent loans | 486.6613% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 3,102 |
| Noncurrent loans to loans | 0.3924% | 2,498 |
| Net loans and leases to total assets | 43.5309% | 4,072 |
| Net loans and leases to deposits | 58.0659% | 3,536 |
| Net loans and leases to core deposits | 59.6714% | 3,640 |
| Total domestic deposits to total assets | 74.9680% | 4,620 |
| Equity capital to assets | 9.3821% | 3,434 |
| Core capital (leverage) ratio | 9.3821% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,367,838,333 | 734 |
| Average earning assets | $1,302,314,000 | 721 |
| Average equity | $131,237,000 | 803 |
| Average total loans | $643,827,333 | 961 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2883% | 4,762 |
| Cost of funding earning assets | 0.2402% | 3,559 |
| Net interest margin | 2.0481% | 4,708 |
| Noninterest income to average assets | 1.4050% | 677 |
| Noninterest expense to average assets | 2.0419% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0353% | 2,696 |
| Return on assets (ROA) | 1.0353% | 2,774 |
| Pretax return on assets | 1.3078% | 2,553 |
| Return on Equity (ROE) | 10.6652% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,875 |
| Net charge-offs to loans | -0.0025% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7709% | 2,943 |
| Assets per employee ($millions) | 6.6585% | 2,046 |
| Cash dividends to net income (ytd only)* | 43.2028% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 807 |
| Loan loss allowance to noncurrent loans | 483.8826% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,266 |
| Noncurrent loans to loans | 0.3808% | 2,728 |
| Net loans and leases to total assets | 46.5347% | 3,921 |
| Net loans and leases to deposits | 61.7593% | 3,345 |
| Net loans and leases to core deposits | 63.6382% | 3,446 |
| Total domestic deposits to total assets | 75.3486% | 4,612 |
| Equity capital to assets | 9.4783% | 3,225 |
| Core capital (leverage) ratio | 9.6810% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,341,494,000 | 745 |
| Average earning assets | $1,273,787,500 | 727 |
| Average equity | $130,218,000 | 799 |
| Average total loans | $650,537,000 | 947 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9056% | 4,703 |
| Cost of funding earning assets | 0.4198% | 3,462 |
| Net interest margin | 2.4859% | 4,604 |
| Noninterest income to average assets | 1.5464% | 507 |
| Noninterest expense to average assets | 2.3580% | 3,247 |
| Loan and lease loss provision to assets | 0.0169% | 4,165 |
| Net operating income to assets | 1.2155% | 1,497 |
| Return on assets (ROA) | 1.2539% | 1,480 |
| Pretax return on assets | 1.5859% | 1,105 |
| Return on Equity (ROE) | 11.8495% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.0570% | 1,377 |
| Net charge-offs to loans | 0.0912% | 1,543 |
| Credit loss provision to net charge-offs | 34.0716% | 3,205 |
| Earnings coverage of net charge-offs (x) | 31.3220% | 1,569 |
| Efficiency ratio | 60.0890% | 3,443 |
| Assets per employee ($millions) | 6.5233% | 1,906 |
| Cash dividends to net income (ytd only)* | 40.4449% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 782 |
| Loan loss allowance to noncurrent loans | 301.4780% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 2,774 |
| Noncurrent loans to loans | 0.6164% | 2,152 |
| Net loans and leases to total assets | 48.7176% | 3,925 |
| Net loans and leases to deposits | 64.2396% | 3,417 |
| Net loans and leases to core deposits | 66.3900% | 3,508 |
| Total domestic deposits to total assets | 75.8372% | 4,519 |
| Equity capital to assets | 9.9485% | 3,176 |
| Core capital (leverage) ratio | 9.7324% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,183,064,600 | 760 |
| Average earning assets | $1,125,877,800 | 735 |
| Average equity | $125,195,200 | 789 |
| Average total loans | $643,293,800 | 922 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 4,737 |
| Cost of funding earning assets | 0.4589% | 3,475 |
| Net interest margin | 2.5354% | 4,629 |
| Noninterest income to average assets | 1.4979% | 522 |
| Noninterest expense to average assets | 2.3046% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2673% | 1,430 |
| Return on assets (ROA) | 1.2673% | 1,545 |
| Pretax return on assets | 1.6082% | 1,164 |
| Return on Equity (ROE) | 11.7761% | 1,436 |
| Retained earnings to average equity (ytd only) | 6.9392% | 1,726 |
| Net charge-offs to loans | 0.1204% | 1,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 23.9707% | 1,775 |
| Efficiency ratio | 58.7105% | 3,567 |
| Assets per employee ($millions) | 6.2409% | 2,053 |
| Cash dividends to net income (ytd only)* | 41.0734% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 717 |
| Loan loss allowance to noncurrent loans | 286.1078% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,831 |
| Noncurrent loans to loans | 0.6305% | 2,219 |
| Net loans and leases to total assets | 50.8831% | 4,043 |
| Net loans and leases to deposits | 68.9451% | 3,401 |
| Net loans and leases to core deposits | 71.4497% | 3,522 |
| Total domestic deposits to total assets | 73.8023% | 4,580 |
| Equity capital to assets | 10.1011% | 3,146 |
| Core capital (leverage) ratio | 10.1624% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,152,663,500 | 768 |
| Average earning assets | $1,097,857,500 | 739 |
| Average equity | $124,045,250 | 788 |
| Average total loans | $642,207,750 | 923 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1365% | 4,768 |
| Cost of funding earning assets | 0.5148% | 3,441 |
| Net interest margin | 2.6217% | 4,633 |
| Noninterest income to average assets | 1.5430% | 429 |
| Noninterest expense to average assets | 2.3907% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2997% | 1,360 |
| Return on assets (ROA) | 1.2997% | 1,472 |
| Pretax return on assets | 1.6480% | 1,108 |
| Return on Equity (ROE) | 11.8025% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.9140% | 1,699 |
| Net charge-offs to loans | 0.1823% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.8072% | 1,888 |
| Efficiency ratio | 59.0039% | 3,550 |
| Assets per employee ($millions) | 5.8410% | 2,329 |
| Cash dividends to net income (ytd only)* | 41.4193% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 683 |
| Loan loss allowance to noncurrent loans | 258.8197% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 2,782 |
| Noncurrent loans to loans | 0.6889% | 2,150 |
| Net loans and leases to total assets | 53.9450% | 3,878 |
| Net loans and leases to deposits | 71.8131% | 3,278 |
| Net loans and leases to core deposits | 75.7941% | 3,298 |
| Total domestic deposits to total assets | 75.1186% | 4,508 |
| Equity capital to assets | 10.4198% | 2,822 |
| Core capital (leverage) ratio | 10.4652% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,114,582,667 | 781 |
| Average earning assets | $1,060,984,333 | 754 |
| Average equity | $122,736,667 | 786 |
| Average total loans | $637,449,333 | 918 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 4,762 |
| Cost of funding earning assets | 0.6211% | 3,325 |
| Net interest margin | 2.7431% | 4,626 |
| Noninterest income to average assets | 1.6366% | 340 |
| Noninterest expense to average assets | 2.5121% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3641% | 1,072 |
| Return on assets (ROA) | 1.3641% | 1,153 |
| Pretax return on assets | 1.7280% | 820 |
| Return on Equity (ROE) | 12.0218% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.0678% | 1,512 |
| Net charge-offs to loans | -0.0019% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0596% | 3,861 |
| Assets per employee ($millions) | 5.4661% | 2,159 |
| Cash dividends to net income (ytd only)* | 41.2088% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 500 |
| Loan loss allowance to noncurrent loans | 197.8188% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 2,285 |
| Noncurrent loans to loans | 1.0112% | 1,638 |
| Net loans and leases to total assets | 55.4019% | 3,877 |
| Net loans and leases to deposits | 74.5020% | 3,220 |
| Net loans and leases to core deposits | 78.9801% | 3,288 |
| Total domestic deposits to total assets | 74.3630% | 4,632 |
| Equity capital to assets | 11.2693% | 2,620 |
| Core capital (leverage) ratio | 11.6311% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,067,335,000 | 778 |
| Average earning assets | $1,013,005,500 | 752 |
| Average equity | $121,113,000 | 785 |
| Average total loans | $624,135,000 | 912 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,635 |
| Cost of funding earning assets | 0.6257% | 3,532 |
| Net interest margin | 3.1171% | 4,340 |
| Noninterest income to average assets | 1.6999% | 337 |
| Noninterest expense to average assets | 2.6861% | 2,923 |
| Loan and lease loss provision to assets | 0.0064% | 3,874 |
| Net operating income to assets | 1.5445% | 950 |
| Return on assets (ROA) | 1.5462% | 1,009 |
| Pretax return on assets | 1.9349% | 686 |
| Return on Equity (ROE) | 13.5620% | 987 |
| Retained earnings to average equity (ytd only) | 5.7388% | 2,010 |
| Net charge-offs to loans | -0.0066% | 4,381 |
| Credit loss provision to net charge-offs | -162.5000% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8903% | 3,981 |
| Assets per employee ($millions) | 5.1799% | 2,358 |
| Cash dividends to net income (ytd only)* | 57.6849% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 473 |
| Loan loss allowance to noncurrent loans | 257.2375% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 2,543 |
| Noncurrent loans to loans | 0.7700% | 1,976 |
| Net loans and leases to total assets | 59.3378% | 3,646 |
| Net loans and leases to deposits | 78.2334% | 2,982 |
| Net loans and leases to core deposits | 82.7540% | 3,064 |
| Total domestic deposits to total assets | 75.8471% | 4,616 |
| Equity capital to assets | 11.4299% | 2,589 |
| Core capital (leverage) ratio | 11.3021% | 2,248 |
| Tier 1 risk-based capital ratio | 16.9730% | 2,058 |
| Total risk-based capital ratio | 18.2299% | 2,006 |
| Memoranda: | ||
| Average total assets | $1,009,033,600 | 776 |
| Average earning assets | $946,984,400 | 754 |
| Average equity | $115,042,000 | 792 |
| Average total loans | $609,302,800 | 899 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,724 |
| Cost of funding earning assets | 0.6024% | 3,691 |
| Net interest margin | 3.1495% | 4,402 |
| Noninterest income to average assets | 1.6899% | 342 |
| Noninterest expense to average assets | 2.6197% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5944% | 944 |
| Return on assets (ROA) | 1.5944% | 988 |
| Pretax return on assets | 2.0226% | 659 |
| Return on Equity (ROE) | 13.9939% | 988 |
| Retained earnings to average equity (ytd only) | 9.3238% | 952 |
| Net charge-offs to loans | -0.0088% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2468% | 4,145 |
| Assets per employee ($millions) | 5.1867% | 2,356 |
| Cash dividends to net income (ytd only)* | 33.3723% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 458 |
| Loan loss allowance to noncurrent loans | 259.9832% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,692 |
| Noncurrent loans to loans | 0.7745% | 2,031 |
| Net loans and leases to total assets | 57.9686% | 3,881 |
| Net loans and leases to deposits | 76.0530% | 3,286 |
| Net loans and leases to core deposits | 80.2993% | 3,368 |
| Total domestic deposits to total assets | 76.2213% | 4,620 |
| Equity capital to assets | 11.5251% | 2,644 |
| Core capital (leverage) ratio | 12.0624% | 1,807 |
| Tier 1 risk-based capital ratio | 17.2565% | 2,008 |
| Total risk-based capital ratio | 18.5135% | 1,968 |
| Memoranda: | ||
| Average total assets | $1,002,296,000 | 782 |
| Average earning assets | $939,564,000 | 764 |
| Average equity | $114,199,500 | 793 |
| Average total loans | $604,840,500 | 908 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,728 |
| Cost of funding earning assets | 0.5802% | 3,754 |
| Net interest margin | 3.2066% | 4,360 |
| Noninterest income to average assets | 1.7032% | 333 |
| Noninterest expense to average assets | 2.6521% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6238% | 859 |
| Return on assets (ROA) | 1.6238% | 900 |
| Pretax return on assets | 2.0591% | 610 |
| Return on Equity (ROE) | 14.3096% | 915 |
| Retained earnings to average equity (ytd only) | 9.8617% | 800 |
| Net charge-offs to loans | -0.0086% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1088% | 4,234 |
| Assets per employee ($millions) | 4.6894% | 2,894 |
| Cash dividends to net income (ytd only)* | 31.0829% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 428 |
| Loan loss allowance to noncurrent loans | 220.8050% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 2,248 |
| Noncurrent loans to loans | 0.9294% | 1,759 |
| Net loans and leases to total assets | 62.1902% | 3,524 |
| Net loans and leases to deposits | 80.2034% | 2,930 |
| Net loans and leases to core deposits | 83.3775% | 3,167 |
| Total domestic deposits to total assets | 77.5406% | 4,477 |
| Equity capital to assets | 12.3358% | 1,951 |
| Core capital (leverage) ratio | 11.7476% | 1,987 |
| Tier 1 risk-based capital ratio | 17.1991% | 2,030 |
| Total risk-based capital ratio | 18.4564% | 1,977 |
| Memoranda: | ||
| Average total assets | $990,613,000 | 786 |
| Average earning assets | $929,283,670 | 770 |
| Average equity | $112,414,330 | 801 |
| Average total loans | $601,890,330 | 913 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,858 |
| Cost of funding earning assets | 0.5366% | 3,883 |
| Net interest margin | 3.1543% | 4,488 |
| Noninterest income to average assets | 1.6221% | 335 |
| Noninterest expense to average assets | 2.5194% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6181% | 858 |
| Return on assets (ROA) | 1.6181% | 894 |
| Pretax return on assets | 2.0524% | 583 |
| Return on Equity (ROE) | 14.8644% | 777 |
| Retained earnings to average equity (ytd only) | 10.3271% | 958 |
| Net charge-offs to loans | -0.0053% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9265% | 4,443 |
| Assets per employee ($millions) | 5.1418% | 2,346 |
| Cash dividends to net income (ytd only)* | 30.5250% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 462 |
| Loan loss allowance to noncurrent loans | 221.5531% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 2,474 |
| Noncurrent loans to loans | 0.9210% | 1,816 |
| Net loans and leases to total assets | 57.5401% | 3,935 |
| Net loans and leases to deposits | 74.8560% | 3,370 |
| Net loans and leases to core deposits | 77.5364% | 3,557 |
| Total domestic deposits to total assets | 76.8677% | 4,665 |
| Equity capital to assets | 10.9453% | 2,910 |
| Core capital (leverage) ratio | 11.3742% | 2,231 |
| Tier 1 risk-based capital ratio | 16.5924% | 2,234 |
| Total risk-based capital ratio | 17.8496% | 2,184 |
| Memoranda: | ||
| Average total assets | $1,012,292,500 | 777 |
| Average earning assets | $946,658,500 | 765 |
| Average equity | $110,196,000 | 815 |
| Average total loans | $602,114,500 | 916 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,894 |
| Cost of funding earning assets | 0.3398% | 4,348 |
| Net interest margin | 3.1839% | 4,512 |
| Noninterest income to average assets | 1.7120% | 330 |
| Noninterest expense to average assets | 2.6628% | 3,144 |
| Loan and lease loss provision to assets | 0.0152% | 3,845 |
| Net operating income to assets | 1.5938% | 882 |
| Return on assets (ROA) | 1.5933% | 872 |
| Pretax return on assets | 2.0166% | 542 |
| Return on Equity (ROE) | 15.1036% | 806 |
| Retained earnings to average equity (ytd only) | 7.2505% | 1,561 |
| Net charge-offs to loans | -0.0091% | 4,464 |
| Credit loss provision to net charge-offs | -290.3846% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5294% | 4,341 |
| Assets per employee ($millions) | 4.9318% | 2,583 |
| Cash dividends to net income (ytd only)* | 51.9947% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 430 |
| Loan loss allowance to noncurrent loans | 250.5492% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 2,603 |
| Noncurrent loans to loans | 0.8191% | 1,969 |
| Net loans and leases to total assets | 59.0095% | 3,871 |
| Net loans and leases to deposits | 75.8016% | 3,362 |
| Net loans and leases to core deposits | 78.3321% | 3,549 |
| Total domestic deposits to total assets | 77.8473% | 4,516 |
| Equity capital to assets | 10.8244% | 2,871 |
| Core capital (leverage) ratio | 10.9001% | 2,623 |
| Tier 1 risk-based capital ratio | 16.1826% | 2,351 |
| Total risk-based capital ratio | 17.4396% | 2,290 |
| Memoranda: | ||
| Average total assets | $995,869,600 | 769 |
| Average earning assets | $933,111,800 | 756 |
| Average equity | $105,054,600 | 812 |
| Average total loans | $573,830,800 | 933 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,011 |
| Cost of funding earning assets | 0.2978% | 4,538 |
| Net interest margin | 3.1253% | 4,663 |
| Noninterest income to average assets | 1.7009% | 352 |
| Noninterest expense to average assets | 2.5463% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6502% | 843 |
| Return on assets (ROA) | 1.6496% | 853 |
| Pretax return on assets | 2.0917% | 493 |
| Return on Equity (ROE) | 15.7401% | 741 |
| Retained earnings to average equity (ytd only) | 10.9491% | 660 |
| Net charge-offs to loans | -0.0101% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7063% | 4,538 |
| Assets per employee ($millions) | 5.1579% | 2,266 |
| Cash dividends to net income (ytd only)* | 30.4383% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 421 |
| Loan loss allowance to noncurrent loans | 248.3555% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 2,746 |
| Noncurrent loans to loans | 0.8380% | 2,030 |
| Net loans and leases to total assets | 56.8705% | 4,147 |
| Net loans and leases to deposits | 75.2849% | 3,480 |
| Net loans and leases to core deposits | 77.8210% | 3,674 |
| Total domestic deposits to total assets | 75.5404% | 4,832 |
| Equity capital to assets | 10.6881% | 2,944 |
| Core capital (leverage) ratio | 11.2317% | 2,391 |
| Tier 1 risk-based capital ratio | 16.8297% | 2,158 |
| Total risk-based capital ratio | 18.0871% | 2,109 |
| Memoranda: | ||
| Average total assets | $995,779,000 | 765 |
| Average earning assets | $936,073,250 | 749 |
| Average equity | $104,359,250 | 816 |
| Average total loans | $567,241,250 | 942 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3678% | 5,072 |
| Cost of funding earning assets | 0.2875% | 4,515 |
| Net interest margin | 3.0803% | 4,767 |
| Noninterest income to average assets | 1.6936% | 354 |
| Noninterest expense to average assets | 2.5499% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6087% | 907 |
| Return on assets (ROA) | 1.6106% | 904 |
| Pretax return on assets | 2.0396% | 555 |
| Return on Equity (ROE) | 15.4715% | 761 |
| Retained earnings to average equity (ytd only) | 10.6318% | 757 |
| Net charge-offs to loans | -0.0182% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3993% | 4,546 |
| Assets per employee ($millions) | 5.1288% | 2,266 |
| Cash dividends to net income (ytd only)* | 31.2813% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 433 |
| Loan loss allowance to noncurrent loans | 347.5714% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 3,354 |
| Noncurrent loans to loans | 0.6086% | 2,588 |
| Net loans and leases to total assets | 56.2899% | 4,137 |
| Net loans and leases to deposits | 73.8001% | 3,558 |
| Net loans and leases to core deposits | 75.6439% | 3,767 |
| Total domestic deposits to total assets | 76.2735% | 4,832 |
| Equity capital to assets | 10.5322% | 3,081 |
| Core capital (leverage) ratio | 10.6204% | 2,900 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,224 |
| Total risk-based capital ratio | 17.8663% | 2,167 |
| Memoranda: | ||
| Average total assets | $992,440,330 | 770 |
| Average earning assets | $932,232,000 | 749 |
| Average equity | $103,312,330 | 826 |
| Average total loans | $561,602,330 | 948 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 5,171 |
| Cost of funding earning assets | 0.2599% | 4,650 |
| Net interest margin | 3.0109% | 4,861 |
| Noninterest income to average assets | 1.6949% | 351 |
| Noninterest expense to average assets | 2.5313% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5707% | 918 |
| Return on assets (ROA) | 1.5723% | 927 |
| Pretax return on assets | 1.9879% | 582 |
| Return on Equity (ROE) | 15.1944% | 774 |
| Retained earnings to average equity (ytd only) | 10.3068% | 1,066 |
| Net charge-offs to loans | -0.0094% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8492% | 4,603 |
| Assets per employee ($millions) | 5.2276% | 2,225 |
| Cash dividends to net income (ytd only)* | 32.1668% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 406 |
| Loan loss allowance to noncurrent loans | 239.6640% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 2,882 |
| Noncurrent loans to loans | 0.9075% | 2,005 |
| Net loans and leases to total assets | 53.2321% | 4,347 |
| Net loans and leases to deposits | 70.4679% | 3,743 |
| Net loans and leases to core deposits | 72.2035% | 3,936 |
| Total domestic deposits to total assets | 75.5410% | 5,013 |
| Equity capital to assets | 10.0359% | 3,557 |
| Core capital (leverage) ratio | 10.5006% | 2,942 |
| Tier 1 risk-based capital ratio | 16.4828% | 2,277 |
| Total risk-based capital ratio | 17.7410% | 2,231 |
| Memoranda: | ||
| Average total assets | $988,600,000 | 770 |
| Average earning assets | $926,634,500 | 758 |
| Average equity | $102,301,000 | 837 |
| Average total loans | $554,837,500 | 959 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 5,217 |
| Cost of funding earning assets | 0.2751% | 4,363 |
| Net interest margin | 2.9039% | 5,036 |
| Noninterest income to average assets | 1.6876% | 381 |
| Noninterest expense to average assets | 2.6598% | 3,258 |
| Loan and lease loss provision to assets | 0.1374% | 1,664 |
| Net operating income to assets | 0.9530% | 2,433 |
| Return on assets (ROA) | 0.9644% | 2,423 |
| Pretax return on assets | 1.6178% | 1,245 |
| Return on Equity (ROE) | 9.4966% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.5411% | 2,429 |
| Net charge-offs to loans | 0.3532% | 721 |
| Credit loss provision to net charge-offs | 71.3539% | 3,074 |
| Earnings coverage of net charge-offs (x) | 9.0240% | 2,832 |
| Efficiency ratio | 60.2907% | 4,220 |
| Assets per employee ($millions) | 4.8110% | 2,721 |
| Cash dividends to net income (ytd only)* | 52.1812% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1941% | 377 |
| Loan loss allowance to noncurrent loans | 221.7869% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,635 |
| Noncurrent loans to loans | 0.9893% | 1,789 |
| Net loans and leases to total assets | 56.6888% | 4,130 |
| Net loans and leases to deposits | 71.0726% | 3,781 |
| Net loans and leases to core deposits | 72.8589% | 3,982 |
| Total domestic deposits to total assets | 79.7619% | 4,382 |
| Equity capital to assets | 10.6839% | 2,956 |
| Core capital (leverage) ratio | 9.9926% | 3,464 |
| Tier 1 risk-based capital ratio | 16.1566% | 2,378 |
| Total risk-based capital ratio | 17.4292% | 2,304 |
| Memoranda: | ||
| Average total assets | $993,588,000 | 742 |
| Average earning assets | $927,101,800 | 734 |
| Average equity | $100,899,800 | 818 |
| Average total loans | $541,577,600 | 945 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 5,341 |
| Cost of funding earning assets | 0.2701% | 4,408 |
| Net interest margin | 2.8239% | 5,189 |
| Noninterest income to average assets | 1.6788% | 402 |
| Noninterest expense to average assets | 2.4824% | 3,794 |
| Loan and lease loss provision to assets | 0.1328% | 1,634 |
| Net operating income to assets | 1.1678% | 1,807 |
| Return on assets (ROA) | 1.1889% | 1,775 |
| Pretax return on assets | 1.7324% | 1,041 |
| Return on Equity (ROE) | 11.8536% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.8876% | 1,751 |
| Net charge-offs to loans | 0.4733% | 438 |
| Credit loss provision to net charge-offs | 52.2739% | 2,888 |
| Earnings coverage of net charge-offs (x) | 7.2206% | 2,902 |
| Efficiency ratio | 57.3055% | 4,583 |
| Assets per employee ($millions) | 5.2812% | 2,142 |
| Cash dividends to net income (ytd only)* | 41.8948% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 453 |
| Loan loss allowance to noncurrent loans | 196.8336% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 2,800 |
| Noncurrent loans to loans | 1.0843% | 1,774 |
| Net loans and leases to total assets | 52.0454% | 4,562 |
| Net loans and leases to deposits | 68.8857% | 4,046 |
| Net loans and leases to core deposits | 70.5180% | 4,214 |
| Total domestic deposits to total assets | 75.5532% | 5,071 |
| Equity capital to assets | 10.0099% | 3,901 |
| Core capital (leverage) ratio | 10.1403% | 3,392 |
| Tier 1 risk-based capital ratio | 16.1903% | 2,421 |
| Total risk-based capital ratio | 17.4606% | 2,363 |
| Memoranda: | ||
| Average total assets | $1,003,838,500 | 733 |
| Average earning assets | $937,821,750 | 726 |
| Average equity | $100,681,500 | 816 |
| Average total loans | $538,941,000 | 953 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 5,373 |
| Cost of funding earning assets | 0.2701% | 4,373 |
| Net interest margin | 2.8014% | 5,243 |
| Noninterest income to average assets | 1.6573% | 413 |
| Noninterest expense to average assets | 2.5045% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2099% | 1,562 |
| Return on assets (ROA) | 1.2255% | 1,552 |
| Pretax return on assets | 1.7918% | 861 |
| Return on Equity (ROE) | 12.2101% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.1953% | 1,500 |
| Net charge-offs to loans | -0.0766% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4048% | 4,544 |
| Assets per employee ($millions) | 4.9715% | 2,426 |
| Cash dividends to net income (ytd only)* | 41.0711% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3376% | 357 |
| Loan loss allowance to noncurrent loans | 1,004.4496% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 4,662 |
| Noncurrent loans to loans | 0.2327% | 4,193 |
| Net loans and leases to total assets | 53.7952% | 4,408 |
| Net loans and leases to deposits | 68.8721% | 4,001 |
| Net loans and leases to core deposits | 70.4819% | 4,192 |
| Total domestic deposits to total assets | 78.1090% | 4,797 |
| Equity capital to assets | 10.2055% | 3,663 |
| Core capital (leverage) ratio | 9.9920% | 3,548 |
| Tier 1 risk-based capital ratio | 16.0666% | 2,474 |
| Total risk-based capital ratio | 17.3393% | 2,411 |
| Memoranda: | ||
| Average total assets | $993,411,670 | 747 |
| Average earning assets | $927,690,000 | 737 |
| Average equity | $99,704,000 | 828 |
| Average total loans | $535,094,330 | 962 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9932% | 5,463 |
| Cost of funding earning assets | 0.2654% | 4,402 |
| Net interest margin | 2.7277% | 5,355 |
| Noninterest income to average assets | 1.5649% | 458 |
| Noninterest expense to average assets | 2.3968% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1711% | 1,583 |
| Return on assets (ROA) | 1.1711% | 1,628 |
| Pretax return on assets | 1.7079% | 988 |
| Return on Equity (ROE) | 11.7688% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.6961% | 1,983 |
| Net charge-offs to loans | -0.1289% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1858% | 4,693 |
| Assets per employee ($millions) | 5.2454% | 2,143 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4403% | 338 |
| Loan loss allowance to noncurrent loans | 1,144.6922% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,798 |
| Noncurrent loans to loans | 0.2132% | 4,345 |
| Net loans and leases to total assets | 49.8999% | 4,681 |
| Net loans and leases to deposits | 63.5668% | 4,331 |
| Net loans and leases to core deposits | 65.0734% | 4,484 |
| Total domestic deposits to total assets | 78.4999% | 4,911 |
| Equity capital to assets | 9.6900% | 4,078 |
| Core capital (leverage) ratio | 9.9820% | 3,519 |
| Tier 1 risk-based capital ratio | 16.2201% | 2,466 |
| Total risk-based capital ratio | 17.4920% | 2,400 |
| Memoranda: | ||
| Average total assets | $990,479,500 | 757 |
| Average earning assets | $922,232,500 | 745 |
| Average equity | $98,565,500 | 838 |
| Average total loans | $527,426,500 | 975 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 5,374 |
| Cost of funding earning assets | 0.2658% | 4,409 |
| Net interest margin | 2.8653% | 5,190 |
| Noninterest income to average assets | 1.5966% | 480 |
| Noninterest expense to average assets | 2.6053% | 3,661 |
| Loan and lease loss provision to assets | 0.0472% | 3,446 |
| Net operating income to assets | 1.1119% | 1,851 |
| Return on assets (ROA) | 1.1108% | 1,951 |
| Pretax return on assets | 1.6131% | 1,240 |
| Return on Equity (ROE) | 11.2110% | 1,504 |
| Retained earnings to average equity (ytd only) | 6.0298% | 1,686 |
| Net charge-offs to loans | 0.0076% | 4,005 |
| Credit loss provision to net charge-offs | 1,121.9512% | 352 |
| Earnings coverage of net charge-offs (x) | 394.8049% | 205 |
| Efficiency ratio | 60.8464% | 4,445 |
| Assets per employee ($millions) | 4.8369% | 2,594 |
| Cash dividends to net income (ytd only)* | 46.2150% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 358 |
| Loan loss allowance to noncurrent loans | 1,317.5858% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 4,872 |
| Noncurrent loans to loans | 0.1817% | 4,511 |
| Net loans and leases to total assets | 54.1883% | 4,428 |
| Net loans and leases to deposits | 66.6000% | 4,200 |
| Net loans and leases to core deposits | 68.3744% | 4,366 |
| Total domestic deposits to total assets | 81.3638% | 4,246 |
| Equity capital to assets | 10.2332% | 3,463 |
| Core capital (leverage) ratio | 9.7173% | 3,833 |
| Tier 1 risk-based capital ratio | 16.0112% | 2,542 |
| Total risk-based capital ratio | 17.2834% | 2,472 |
| Memoranda: | ||
| Average total assets | $973,978,800 | 741 |
| Average earning assets | $907,807,200 | 729 |
| Average equity | $96,503,800 | 819 |
| Average total loans | $537,933,600 | 920 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0868% | 5,482 |
| Cost of funding earning assets | 0.2599% | 4,505 |
| Net interest margin | 2.8269% | 5,311 |
| Noninterest income to average assets | 1.5914% | 485 |
| Noninterest expense to average assets | 2.5232% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1738% | 1,722 |
| Return on assets (ROA) | 1.1743% | 1,829 |
| Pretax return on assets | 1.7081% | 1,093 |
| Return on Equity (ROE) | 11.9474% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.7529% | 1,753 |
| Net charge-offs to loans | -0.0309% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4381% | 4,623 |
| Assets per employee ($millions) | 5.1056% | 2,248 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3252% | 420 |
| Loan loss allowance to noncurrent loans | 1,041.9545% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,940 |
| Noncurrent loans to loans | 0.2232% | 4,471 |
| Net loans and leases to total assets | 52.4525% | 4,622 |
| Net loans and leases to deposits | 66.0512% | 4,338 |
| Net loans and leases to core deposits | 67.6492% | 4,496 |
| Total domestic deposits to total assets | 79.4119% | 4,637 |
| Equity capital to assets | 10.0381% | 4,093 |
| Core capital (leverage) ratio | 9.6872% | 3,956 |
| Tier 1 risk-based capital ratio | 15.7253% | 2,739 |
| Total risk-based capital ratio | 16.9932% | 2,661 |
| Memoranda: | ||
| Average total assets | $979,256,000 | 743 |
| Average earning assets | $914,203,500 | 728 |
| Average equity | $96,252,500 | 827 |
| Average total loans | $540,165,500 | 909 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1146% | 5,531 |
| Cost of funding earning assets | 0.2557% | 4,597 |
| Net interest margin | 2.8589% | 5,333 |
| Noninterest income to average assets | 1.5725% | 492 |
| Noninterest expense to average assets | 2.5146% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1866% | 1,654 |
| Return on assets (ROA) | 1.1875% | 1,745 |
| Pretax return on assets | 1.7291% | 1,029 |
| Return on Equity (ROE) | 12.1687% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.9164% | 1,648 |
| Net charge-offs to loans | -0.0402% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0635% | 4,762 |
| Assets per employee ($millions) | 5.0687% | 2,235 |
| Cash dividends to net income (ytd only)* | 43.1630% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2884% | 480 |
| Loan loss allowance to noncurrent loans | 1,297.4790% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 5,137 |
| Noncurrent loans to loans | 0.1764% | 4,726 |
| Net loans and leases to total assets | 52.5525% | 4,625 |
| Net loans and leases to deposits | 65.2264% | 4,398 |
| Net loans and leases to core deposits | 66.6856% | 4,558 |
| Total domestic deposits to total assets | 80.5694% | 4,397 |
| Equity capital to assets | 9.7481% | 4,512 |
| Core capital (leverage) ratio | 9.5240% | 4,175 |
| Tier 1 risk-based capital ratio | 15.4852% | 2,867 |
| Total risk-based capital ratio | 16.7514% | 2,795 |
| Memoranda: | ||
| Average total assets | $975,513,000 | 741 |
| Average earning assets | $911,057,670 | 729 |
| Average equity | $95,194,670 | 835 |
| Average total loans | $542,920,000 | 904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1064% | 5,598 |
| Cost of funding earning assets | 0.2541% | 4,659 |
| Net interest margin | 2.8524% | 5,392 |
| Noninterest income to average assets | 1.5455% | 486 |
| Noninterest expense to average assets | 2.4641% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1957% | 1,573 |
| Return on assets (ROA) | 1.1957% | 1,674 |
| Pretax return on assets | 1.7390% | 969 |
| Return on Equity (ROE) | 12.2459% | 1,235 |
| Retained earnings to average equity (ytd only) | 6.9197% | 1,923 |
| Net charge-offs to loans | -0.0015% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4183% | 4,949 |
| Assets per employee ($millions) | 5.1118% | 2,229 |
| Cash dividends to net income (ytd only)* | 43.4934% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 587 |
| Loan loss allowance to noncurrent loans | 1,006.1627% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,072 |
| Noncurrent loans to loans | 0.2187% | 4,645 |
| Net loans and leases to total assets | 55.7293% | 4,283 |
| Net loans and leases to deposits | 69.1751% | 3,934 |
| Net loans and leases to core deposits | 70.5269% | 4,200 |
| Total domestic deposits to total assets | 80.5626% | 4,619 |
| Equity capital to assets | 9.7499% | 4,395 |
| Core capital (leverage) ratio | 9.6106% | 4,023 |
| Tier 1 risk-based capital ratio | 14.6156% | 3,335 |
| Total risk-based capital ratio | 15.8810% | 3,264 |
| Memoranda: | ||
| Average total assets | $961,472,500 | 753 |
| Average earning assets | $895,821,500 | 739 |
| Average equity | $93,876,500 | 842 |
| Average total loans | $544,497,000 | 900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1453% | 5,586 |
| Cost of funding earning assets | 0.2316% | 4,995 |
| Net interest margin | 2.9137% | 5,311 |
| Noninterest income to average assets | 1.7291% | 443 |
| Noninterest expense to average assets | 2.6619% | 3,726 |
| Loan and lease loss provision to assets | 0.1053% | 2,222 |
| Net operating income to assets | 1.1603% | 1,697 |
| Return on assets (ROA) | 1.1408% | 1,832 |
| Pretax return on assets | 1.6510% | 1,109 |
| Return on Equity (ROE) | 11.7179% | 1,378 |
| Retained earnings to average equity (ytd only) | 8.0999% | 883 |
| Net charge-offs to loans | 0.0640% | 2,945 |
| Credit loss provision to net charge-offs | 298.1595% | 996 |
| Earnings coverage of net charge-offs (x) | 50.5092% | 994 |
| Efficiency ratio | 59.7255% | 4,941 |
| Assets per employee ($millions) | 4.9046% | 2,467 |
| Cash dividends to net income (ytd only)* | 30.8759% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2986% | 514 |
| Loan loss allowance to noncurrent loans | 3,083.8791% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,515 |
| Noncurrent loans to loans | 0.0745% | 5,207 |
| Net loans and leases to total assets | 54.9753% | 4,395 |
| Net loans and leases to deposits | 66.0570% | 4,314 |
| Net loans and leases to core deposits | 67.2034% | 4,494 |
| Total domestic deposits to total assets | 83.2239% | 3,760 |
| Equity capital to assets | 9.7782% | 4,213 |
| Core capital (leverage) ratio | 9.2343% | 4,572 |
| Tier 1 risk-based capital ratio | 14.8010% | 3,273 |
| Total risk-based capital ratio | 16.0663% | 3,201 |
| Memoranda: | ||
| Average total assets | $922,664,400 | 746 |
| Average earning assets | $860,490,000 | 734 |
| Average equity | $89,828,000 | 849 |
| Average total loans | $509,502,800 | 920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0526% | 5,764 |
| Cost of funding earning assets | 0.2284% | 5,108 |
| Net interest margin | 2.8242% | 5,540 |
| Noninterest income to average assets | 1.7330% | 438 |
| Noninterest expense to average assets | 2.6028% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2105% | 1,614 |
| Return on assets (ROA) | 1.2079% | 1,690 |
| Pretax return on assets | 1.7650% | 963 |
| Return on Equity (ROE) | 12.4214% | 1,263 |
| Retained earnings to average equity (ytd only) | 9.4301% | 752 |
| Net charge-offs to loans | 0.0005% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6,072.7566% | 7 |
| Efficiency ratio | 59.4191% | 4,953 |
| Assets per employee ($millions) | 5.0921% | 2,188 |
| Cash dividends to net income (ytd only)* | 24.0819% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 586 |
| Loan loss allowance to noncurrent loans | 1,429.7164% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,420 |
| Noncurrent loans to loans | 0.1593% | 5,006 |
| Net loans and leases to total assets | 51.1430% | 4,838 |
| Net loans and leases to deposits | 64.7459% | 4,494 |
| Net loans and leases to core deposits | 65.9357% | 4,693 |
| Total domestic deposits to total assets | 78.9903% | 4,982 |
| Equity capital to assets | 9.5277% | 4,720 |
| Core capital (leverage) ratio | 9.3366% | 4,535 |
| Tier 1 risk-based capital ratio | 15.0914% | 3,250 |
| Total risk-based capital ratio | 16.3557% | 3,180 |
| Memoranda: | ||
| Average total assets | $916,682,250 | 760 |
| Average earning assets | $856,428,500 | 746 |
| Average equity | $89,145,000 | 863 |
| Average total loans | $503,719,750 | 932 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0587% | 5,790 |
| Cost of funding earning assets | 0.2301% | 5,143 |
| Net interest margin | 2.8286% | 5,559 |
| Noninterest income to average assets | 1.7206% | 459 |
| Noninterest expense to average assets | 2.6379% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1780% | 1,676 |
| Return on assets (ROA) | 1.1741% | 1,752 |
| Pretax return on assets | 1.7157% | 1,052 |
| Return on Equity (ROE) | 11.9857% | 1,379 |
| Retained earnings to average equity (ytd only) | 8.5755% | 1,052 |
| Net charge-offs to loans | -0.0004% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5109% | 4,912 |
| Assets per employee ($millions) | 4.9834% | 2,295 |
| Cash dividends to net income (ytd only)* | 28.4522% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 673 |
| Loan loss allowance to noncurrent loans | 970.5439% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,373 |
| Noncurrent loans to loans | 0.2329% | 4,836 |
| Net loans and leases to total assets | 51.8678% | 4,764 |
| Net loans and leases to deposits | 65.0544% | 4,432 |
| Net loans and leases to core deposits | 66.3550% | 4,623 |
| Total domestic deposits to total assets | 79.7299% | 4,921 |
| Equity capital to assets | 9.2625% | 4,938 |
| Core capital (leverage) ratio | 8.8825% | 5,115 |
| Tier 1 risk-based capital ratio | 14.6953% | 3,531 |
| Total risk-based capital ratio | 15.9617% | 3,448 |
| Memoranda: | ||
| Average total assets | $898,048,000 | 780 |
| Average earning assets | $837,795,670 | 769 |
| Average equity | $87,971,670 | 878 |
| Average total loans | $501,958,330 | 935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0565% | 5,832 |
| Cost of funding earning assets | 0.2318% | 5,195 |
| Net interest margin | 2.8247% | 5,594 |
| Noninterest income to average assets | 1.7367% | 436 |
| Noninterest expense to average assets | 2.5616% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2231% | 1,478 |
| Return on assets (ROA) | 1.2231% | 1,570 |
| Pretax return on assets | 1.7997% | 863 |
| Return on Equity (ROE) | 12.1170% | 1,314 |
| Retained earnings to average equity (ytd only) | 7.5289% | 1,750 |
| Net charge-offs to loans | -0.0032% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7342% | 5,254 |
| Assets per employee ($millions) | 4.8652% | 2,538 |
| Cash dividends to net income (ytd only)* | 37.8644% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 657 |
| Loan loss allowance to noncurrent loans | 971.6080% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,406 |
| Noncurrent loans to loans | 0.2425% | 4,910 |
| Net loans and leases to total assets | 55.2142% | 4,293 |
| Net loans and leases to deposits | 71.6149% | 3,571 |
| Net loans and leases to core deposits | 72.8875% | 3,885 |
| Total domestic deposits to total assets | 77.0987% | 5,597 |
| Equity capital to assets | 10.1328% | 3,969 |
| Core capital (leverage) ratio | 9.9351% | 3,690 |
| Tier 1 risk-based capital ratio | 15.9376% | 2,951 |
| Total risk-based capital ratio | 17.2070% | 2,883 |
| Memoranda: | ||
| Average total assets | $863,682,500 | 812 |
| Average earning assets | $802,481,000 | 790 |
| Average equity | $87,183,500 | 885 |
| Average total loans | $496,415,000 | 945 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0535% | 6,009 |
| Cost of funding earning assets | 0.2593% | 5,231 |
| Net interest margin | 2.7942% | 5,818 |
| Noninterest income to average assets | 1.7291% | 431 |
| Noninterest expense to average assets | 2.6486% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1541% | 1,753 |
| Return on assets (ROA) | 1.1511% | 1,834 |
| Pretax return on assets | 1.6461% | 1,104 |
| Return on Equity (ROE) | 11.6398% | 1,510 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,915 |
| Net charge-offs to loans | 0.0372% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 80.6477% | 621 |
| Efficiency ratio | 61.6119% | 4,965 |
| Assets per employee ($millions) | 5.0087% | 2,309 |
| Cash dividends to net income (ytd only)* | 60.5999% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3176% | 707 |
| Loan loss allowance to noncurrent loans | 1,050.4529% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,516 |
| Noncurrent loans to loans | 0.2206% | 5,033 |
| Net loans and leases to total assets | 57.0685% | 4,182 |
| Net loans and leases to deposits | 74.0230% | 3,433 |
| Net loans and leases to core deposits | 75.2679% | 3,792 |
| Total domestic deposits to total assets | 77.0955% | 5,585 |
| Equity capital to assets | 10.0554% | 4,039 |
| Core capital (leverage) ratio | 9.8453% | 3,777 |
| Tier 1 risk-based capital ratio | 16.3849% | 2,769 |
| Total risk-based capital ratio | 17.6562% | 2,701 |
| Memoranda: | ||
| Average total assets | $860,098,800 | 783 |
| Average earning assets | $791,039,400 | 768 |
| Average equity | $85,061,600 | 868 |
| Average total loans | $473,698,800 | 938 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0372% | 6,098 |
| Cost of funding earning assets | 0.2653% | 5,255 |
| Net interest margin | 2.7719% | 5,906 |
| Noninterest income to average assets | 1.7133% | 447 |
| Noninterest expense to average assets | 2.5241% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1825% | 1,744 |
| Return on assets (ROA) | 1.1831% | 1,815 |
| Pretax return on assets | 1.7356% | 1,003 |
| Return on Equity (ROE) | 12.0128% | 1,475 |
| Retained earnings to average equity (ytd only) | 9.6543% | 793 |
| Net charge-offs to loans | 0.0080% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 400.0972% | 183 |
| Efficiency ratio | 59.2684% | 5,280 |
| Assets per employee ($millions) | 4.7098% | 2,654 |
| Cash dividends to net income (ytd only)* | 19.6335% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4970% | 654 |
| Loan loss allowance to noncurrent loans | 851.7041% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,529 |
| Noncurrent loans to loans | 0.2932% | 5,029 |
| Net loans and leases to total assets | 55.3265% | 4,418 |
| Net loans and leases to deposits | 72.0370% | 3,680 |
| Net loans and leases to core deposits | 73.4088% | 4,007 |
| Total domestic deposits to total assets | 76.8028% | 5,705 |
| Equity capital to assets | 10.6237% | 3,404 |
| Core capital (leverage) ratio | 10.1957% | 3,418 |
| Tier 1 risk-based capital ratio | 17.7913% | 2,279 |
| Total risk-based capital ratio | 19.0648% | 2,234 |
| Memoranda: | ||
| Average total assets | $860,999,500 | 783 |
| Average earning assets | $790,670,500 | 775 |
| Average equity | $84,796,000 | 869 |
| Average total loans | $467,027,000 | 954 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9819% | 6,200 |
| Cost of funding earning assets | 0.2697% | 5,287 |
| Net interest margin | 2.7121% | 6,040 |
| Noninterest income to average assets | 1.6545% | 469 |
| Noninterest expense to average assets | 2.5165% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1114% | 1,895 |
| Return on assets (ROA) | 1.1123% | 1,958 |
| Pretax return on assets | 1.6265% | 1,188 |
| Return on Equity (ROE) | 11.5833% | 1,552 |
| Retained earnings to average equity (ytd only) | 9.1940% | 920 |
| Net charge-offs to loans | -0.0013% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7612% | 5,183 |
| Assets per employee ($millions) | 4.8647% | 2,388 |
| Cash dividends to net income (ytd only)* | 20.6271% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 732 |
| Loan loss allowance to noncurrent loans | 942.0800% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 5,723 |
| Noncurrent loans to loans | 0.2638% | 5,231 |
| Net loans and leases to total assets | 52.4693% | 4,698 |
| Net loans and leases to deposits | 66.7661% | 4,193 |
| Net loans and leases to core deposits | 67.8833% | 4,483 |
| Total domestic deposits to total assets | 78.5867% | 5,533 |
| Equity capital to assets | 9.7926% | 4,367 |
| Core capital (leverage) ratio | 9.5806% | 4,206 |
| Tier 1 risk-based capital ratio | 17.1318% | 2,566 |
| Total risk-based capital ratio | 18.4046% | 2,520 |
| Memoranda: | ||
| Average total assets | $871,689,670 | 768 |
| Average earning assets | $799,368,670 | 764 |
| Average equity | $83,707,000 | 877 |
| Average total loans | $465,915,330 | 947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9309% | 6,301 |
| Cost of funding earning assets | 0.2727% | 5,358 |
| Net interest margin | 2.6583% | 6,165 |
| Noninterest income to average assets | 1.6387% | 458 |
| Noninterest expense to average assets | 2.4693% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0995% | 1,817 |
| Return on assets (ROA) | 1.1014% | 1,871 |
| Pretax return on assets | 1.6092% | 1,152 |
| Return on Equity (ROE) | 11.5855% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.1597% | 1,204 |
| Net charge-offs to loans | -0.0017% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5862% | 5,322 |
| Assets per employee ($millions) | 4.9465% | 2,309 |
| Cash dividends to net income (ytd only)* | 20.9380% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5362% | 780 |
| Loan loss allowance to noncurrent loans | 892.0455% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 5,701 |
| Noncurrent loans to loans | 0.2843% | 5,257 |
| Net loans and leases to total assets | 50.2623% | 4,883 |
| Net loans and leases to deposits | 64.5421% | 4,263 |
| Net loans and leases to core deposits | 65.4175% | 4,558 |
| Total domestic deposits to total assets | 77.8752% | 5,851 |
| Equity capital to assets | 9.2952% | 4,763 |
| Core capital (leverage) ratio | 9.7550% | 3,922 |
| Tier 1 risk-based capital ratio | 17.0481% | 2,670 |
| Total risk-based capital ratio | 18.3218% | 2,610 |
| Memoranda: | ||
| Average total assets | $867,277,000 | 784 |
| Average earning assets | $795,109,000 | 778 |
| Average equity | $82,448,000 | 889 |
| Average total loans | $461,985,000 | 960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1102% | 6,229 |
| Cost of funding earning assets | 0.3238% | 5,390 |
| Net interest margin | 2.7864% | 6,003 |
| Noninterest income to average assets | 1.7629% | 480 |
| Noninterest expense to average assets | 2.6249% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1838% | 1,631 |
| Return on assets (ROA) | 1.1838% | 1,694 |
| Pretax return on assets | 1.6966% | 963 |
| Return on Equity (ROE) | 12.4310% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.8790% | 581 |
| Net charge-offs to loans | 0.0298% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 103.4222% | 455 |
| Efficiency ratio | 60.7412% | 5,382 |
| Assets per employee ($millions) | 4.5589% | 2,806 |
| Cash dividends to net income (ytd only)* | 20.5297% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5610% | 766 |
| Loan loss allowance to noncurrent loans | 851.8813% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 5,628 |
| Noncurrent loans to loans | 0.3006% | 5,286 |
| Net loans and leases to total assets | 53.6898% | 4,627 |
| Net loans and leases to deposits | 68.9642% | 3,912 |
| Net loans and leases to core deposits | 69.9969% | 4,286 |
| Total domestic deposits to total assets | 77.8517% | 5,849 |
| Equity capital to assets | 9.7345% | 4,124 |
| Core capital (leverage) ratio | 9.7199% | 3,962 |
| Tier 1 risk-based capital ratio | 16.9955% | 2,608 |
| Total risk-based capital ratio | 18.2705% | 2,568 |
| Memoranda: | ||
| Average total assets | $822,960,000 | 805 |
| Average earning assets | $755,664,600 | 794 |
| Average equity | $78,368,600 | 911 |
| Average total loans | $453,077,200 | 941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1168% | 6,301 |
| Cost of funding earning assets | 0.3332% | 5,444 |
| Net interest margin | 2.7836% | 6,043 |
| Noninterest income to average assets | 1.7620% | 501 |
| Noninterest expense to average assets | 2.5644% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1999% | 1,638 |
| Return on assets (ROA) | 1.1999% | 1,707 |
| Pretax return on assets | 1.7519% | 988 |
| Return on Equity (ROE) | 12.6725% | 1,321 |
| Retained earnings to average equity (ytd only) | 10.0971% | 769 |
| Net charge-offs to loans | -0.0396% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4124% | 5,512 |
| Assets per employee ($millions) | 4.2763% | 3,279 |
| Cash dividends to net income (ytd only)* | 20.3224% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6992% | 746 |
| Loan loss allowance to noncurrent loans | 529.7844% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 5,587 |
| Noncurrent loans to loans | 0.5095% | 4,917 |
| Net loans and leases to total assets | 54.2837% | 4,566 |
| Net loans and leases to deposits | 69.5796% | 3,839 |
| Net loans and leases to core deposits | 70.6380% | 4,249 |
| Total domestic deposits to total assets | 78.0167% | 5,897 |
| Equity capital to assets | 10.0048% | 3,894 |
| Core capital (leverage) ratio | 9.8044% | 3,950 |
| Tier 1 risk-based capital ratio | 16.8394% | 2,778 |
| Total risk-based capital ratio | 18.1153% | 2,722 |
| Memoranda: | ||
| Average total assets | $820,128,250 | 814 |
| Average earning assets | $752,587,500 | 810 |
| Average equity | $77,657,250 | 931 |
| Average total loans | $451,421,500 | 949 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0813% | 6,367 |
| Cost of funding earning assets | 0.3389% | 5,495 |
| Net interest margin | 2.7424% | 6,111 |
| Noninterest income to average assets | 1.7218% | 557 |
| Noninterest expense to average assets | 2.5617% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1602% | 1,699 |
| Return on assets (ROA) | 1.1602% | 1,816 |
| Pretax return on assets | 1.6889% | 1,137 |
| Return on Equity (ROE) | 12.4801% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.8785% | 877 |
| Net charge-offs to loans | -0.0057% | 5,657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2674% | 5,447 |
| Assets per employee ($millions) | 4.3875% | 3,014 |
| Cash dividends to net income (ytd only)* | 20.8464% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6511% | 826 |
| Loan loss allowance to noncurrent loans | 551.1327% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 5,688 |
| Noncurrent loans to loans | 0.4810% | 5,066 |
| Net loans and leases to total assets | 54.2232% | 4,560 |
| Net loans and leases to deposits | 68.8568% | 3,882 |
| Net loans and leases to core deposits | 69.8859% | 4,291 |
| Total domestic deposits to total assets | 78.7478% | 5,839 |
| Equity capital to assets | 9.5574% | 4,503 |
| Core capital (leverage) ratio | 9.3135% | 4,518 |
| Tier 1 risk-based capital ratio | 16.4201% | 2,973 |
| Total risk-based capital ratio | 17.6940% | 2,920 |
| Memoranda: | ||
| Average total assets | $826,946,000 | 805 |
| Average earning assets | $762,544,330 | 794 |
| Average equity | $76,874,330 | 940 |
| Average total loans | $453,183,670 | 935 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 6,415 |
| Cost of funding earning assets | 0.3443% | 5,601 |
| Net interest margin | 2.7403% | 6,149 |
| Noninterest income to average assets | 1.7376% | 529 |
| Noninterest expense to average assets | 2.4747% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2147% | 1,490 |
| Return on assets (ROA) | 1.2147% | 1,598 |
| Pretax return on assets | 1.7778% | 924 |
| Return on Equity (ROE) | 13.2458% | 1,108 |
| Retained earnings to average equity (ytd only) | 10.6394% | 951 |
| Net charge-offs to loans | -0.0158% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1947% | 5,828 |
| Assets per employee ($millions) | 4.4123% | 3,130 |
| Cash dividends to net income (ytd only)* | 19.6773% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6663% | 953 |
| Loan loss allowance to noncurrent loans | 814.6175% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,034 |
| Noncurrent loans to loans | 0.3273% | 5,582 |
| Net loans and leases to total assets | 53.0488% | 4,554 |
| Net loans and leases to deposits | 69.4644% | 3,582 |
| Net loans and leases to core deposits | 70.5617% | 3,999 |
| Total domestic deposits to total assets | 76.3682% | 6,322 |
| Equity capital to assets | 9.4537% | 4,920 |
| Core capital (leverage) ratio | 9.0631% | 4,783 |
| Tier 1 risk-based capital ratio | 16.0357% | 3,241 |
| Total risk-based capital ratio | 17.3100% | 3,190 |
| Memoranda: | ||
| Average total assets | $836,773,500 | 802 |
| Average earning assets | $767,940,500 | 798 |
| Average equity | $76,733,500 | 952 |
| Average total loans | $454,945,500 | 934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 6,377 |
| Cost of funding earning assets | 0.4581% | 5,516 |
| Net interest margin | 3.0223% | 6,002 |
| Noninterest income to average assets | 1.7831% | 519 |
| Noninterest expense to average assets | 2.6303% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3003% | 1,298 |
| Return on assets (ROA) | 1.3003% | 1,445 |
| Pretax return on assets | 1.9258% | 707 |
| Return on Equity (ROE) | 13.2378% | 1,171 |
| Retained earnings to average equity (ytd only) | 0.4748% | 5,613 |
| Net charge-offs to loans | -0.0645% | 6,749 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7317% | 5,871 |
| Assets per employee ($millions) | 4.5607% | 2,860 |
| Cash dividends to net income (ytd only)* | 96.4134% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 1,042 |
| Loan loss allowance to noncurrent loans | 1,899.2026% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 6,424 |
| Noncurrent loans to loans | 0.1355% | 6,144 |
| Net loans and leases to total assets | 52.8449% | 4,782 |
| Net loans and leases to deposits | 68.0404% | 3,974 |
| Net loans and leases to core deposits | 69.1240% | 4,419 |
| Total domestic deposits to total assets | 77.6669% | 6,130 |
| Equity capital to assets | 8.8973% | 5,639 |
| Core capital (leverage) ratio | 8.8939% | 5,049 |
| Tier 1 risk-based capital ratio | 15.0185% | 3,710 |
| Total risk-based capital ratio | 16.2907% | 3,647 |
| Memoranda: | ||
| Average total assets | $797,690,400 | 827 |
| Average earning assets | $731,887,000 | 818 |
| Average equity | $78,351,400 | 895 |
| Average total loans | $447,729,600 | 925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 6,439 |
| Cost of funding earning assets | 0.4800% | 5,568 |
| Net interest margin | 3.0818% | 5,979 |
| Noninterest income to average assets | 1.8077% | 490 |
| Noninterest expense to average assets | 2.6078% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3853% | 1,259 |
| Return on assets (ROA) | 1.3853% | 1,386 |
| Pretax return on assets | 2.0405% | 645 |
| Return on Equity (ROE) | 13.7519% | 1,165 |
| Retained earnings to average equity (ytd only) | 11.2193% | 649 |
| Net charge-offs to loans | -0.0676% | 6,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1016% | 6,044 |
| Assets per employee ($millions) | 4.2832% | 3,309 |
| Cash dividends to net income (ytd only)* | 18.4162% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 996 |
| Loan loss allowance to noncurrent loans | 2,118.7835% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,562 |
| Noncurrent loans to loans | 0.1267% | 6,289 |
| Net loans and leases to total assets | 54.4695% | 4,673 |
| Net loans and leases to deposits | 72.9057% | 3,464 |
| Net loans and leases to core deposits | 74.3257% | 3,937 |
| Total domestic deposits to total assets | 74.7123% | 6,542 |
| Equity capital to assets | 10.4925% | 3,856 |
| Core capital (leverage) ratio | 10.0499% | 3,472 |
| Tier 1 risk-based capital ratio | 17.1777% | 2,660 |
| Total risk-based capital ratio | 18.4507% | 2,603 |
| Memoranda: | ||
| Average total assets | $783,899,250 | 850 |
| Average earning assets | $722,537,250 | 835 |
| Average equity | $78,969,000 | 891 |
| Average total loans | $444,012,500 | 939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 6,459 |
| Cost of funding earning assets | 0.4948% | 5,660 |
| Net interest margin | 3.1261% | 5,922 |
| Noninterest income to average assets | 1.7920% | 484 |
| Noninterest expense to average assets | 2.6577% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3682% | 1,264 |
| Return on assets (ROA) | 1.3682% | 1,425 |
| Pretax return on assets | 2.0154% | 681 |
| Return on Equity (ROE) | 13.7737% | 1,175 |
| Retained earnings to average equity (ytd only) | 11.2006% | 712 |
| Net charge-offs to loans | -0.0467% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8725% | 6,019 |
| Assets per employee ($millions) | 4.2473% | 3,368 |
| Cash dividends to net income (ytd only)* | 18.6811% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6751% | 1,068 |
| Loan loss allowance to noncurrent loans | 1,603.6936% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 6,569 |
| Noncurrent loans to loans | 0.1668% | 6,248 |
| Net loans and leases to total assets | 53.9875% | 4,807 |
| Net loans and leases to deposits | 72.1420% | 3,591 |
| Net loans and leases to core deposits | 73.6217% | 4,079 |
| Total domestic deposits to total assets | 74.8351% | 6,599 |
| Equity capital to assets | 10.1177% | 4,164 |
| Core capital (leverage) ratio | 9.6161% | 3,970 |
| Tier 1 risk-based capital ratio | 16.9468% | 2,688 |
| Total risk-based capital ratio | 18.2197% | 2,642 |
| Memoranda: | ||
| Average total assets | $782,494,330 | 851 |
| Average earning assets | $721,163,330 | 836 |
| Average equity | $77,727,670 | 902 |
| Average total loans | $444,974,670 | 936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 6,500 |
| Cost of funding earning assets | 0.4837% | 5,916 |
| Net interest margin | 3.1740% | 5,834 |
| Noninterest income to average assets | 1.8257% | 472 |
| Noninterest expense to average assets | 2.6466% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4362% | 1,150 |
| Return on assets (ROA) | 1.4362% | 1,289 |
| Pretax return on assets | 2.0882% | 649 |
| Return on Equity (ROE) | 14.4593% | 1,088 |
| Retained earnings to average equity (ytd only) | 11.7009% | 876 |
| Net charge-offs to loans | -0.0085% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8963% | 6,132 |
| Assets per employee ($millions) | 4.1983% | 3,581 |
| Cash dividends to net income (ytd only)* | 19.0767% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5450% | 1,293 |
| Loan loss allowance to noncurrent loans | 1,195.0712% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 6,582 |
| Noncurrent loans to loans | 0.2130% | 6,262 |
| Net loans and leases to total assets | 56.2257% | 4,344 |
| Net loans and leases to deposits | 75.4596% | 2,894 |
| Net loans and leases to core deposits | 76.9237% | 3,482 |
| Total domestic deposits to total assets | 74.5109% | 6,698 |
| Equity capital to assets | 9.9122% | 4,239 |
| Core capital (leverage) ratio | 9.7758% | 3,675 |
| Tier 1 risk-based capital ratio | 16.1710% | 3,089 |
| Total risk-based capital ratio | 17.4427% | 3,034 |
| Memoranda: | ||
| Average total assets | $730,004,000 | 916 |
| Average earning assets | $669,065,000 | 909 |
| Average equity | $72,507,000 | 964 |
| Average total loans | $421,483,500 | 992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 6,632 |
| Cost of funding earning assets | 0.6155% | 6,005 |
| Net interest margin | 3.2697% | 5,901 |
| Noninterest income to average assets | 1.8738% | 418 |
| Noninterest expense to average assets | 2.9252% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3505% | 1,142 |
| Return on assets (ROA) | 1.3505% | 1,233 |
| Pretax return on assets | 1.9584% | 579 |
| Return on Equity (ROE) | 14.1198% | 900 |
| Retained earnings to average equity (ytd only) | 11.1587% | 384 |
| Net charge-offs to loans | -0.0741% | 7,102 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8991% | 5,775 |
| Assets per employee ($millions) | 4.0966% | 3,654 |
| Cash dividends to net income (ytd only)* | 20.9710% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6318% | 1,154 |
| Loan loss allowance to noncurrent loans | 879.1935% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 6,517 |
| Noncurrent loans to loans | 0.2993% | 6,122 |
| Net loans and leases to total assets | 56.2612% | 4,659 |
| Net loans and leases to deposits | 74.7959% | 3,375 |
| Net loans and leases to core deposits | 76.3296% | 3,936 |
| Total domestic deposits to total assets | 75.2196% | 6,573 |
| Equity capital to assets | 9.9533% | 4,222 |
| Core capital (leverage) ratio | 9.5462% | 3,950 |
| Tier 1 risk-based capital ratio | 16.1504% | 2,980 |
| Total risk-based capital ratio | 17.4216% | 2,935 |
| Memoranda: | ||
| Average total assets | $706,197,400 | 924 |
| Average earning assets | $650,052,200 | 914 |
| Average equity | $67,543,600 | 991 |
| Average total loans | $406,179,400 | 1,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 6,731 |
| Cost of funding earning assets | 0.6303% | 6,129 |
| Net interest margin | 3.2688% | 5,956 |
| Noninterest income to average assets | 1.9003% | 412 |
| Noninterest expense to average assets | 2.7401% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5235% | 888 |
| Return on assets (ROA) | 1.5235% | 970 |
| Pretax return on assets | 2.1797% | 445 |
| Return on Equity (ROE) | 16.0960% | 667 |
| Retained earnings to average equity (ytd only) | 13.0926% | 373 |
| Net charge-offs to loans | -0.0937% | 7,155 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6955% | 6,323 |
| Assets per employee ($millions) | 4.0474% | 3,737 |
| Cash dividends to net income (ytd only)* | 18.6590% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7593% | 1,067 |
| Loan loss allowance to noncurrent loans | 830.2822% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 6,097 |
| Noncurrent loans to loans | 0.3323% | 6,186 |
| Net loans and leases to total assets | 54.7832% | 5,032 |
| Net loans and leases to deposits | 74.8185% | 3,542 |
| Net loans and leases to core deposits | 76.5737% | 4,117 |
| Total domestic deposits to total assets | 73.2215% | 6,833 |
| Equity capital to assets | 10.1114% | 4,193 |
| Core capital (leverage) ratio | 9.5436% | 4,090 |
| Tier 1 risk-based capital ratio | 17.0457% | 2,631 |
| Total risk-based capital ratio | 18.3195% | 2,576 |
| Memoranda: | ||
| Average total assets | $703,520,250 | 933 |
| Average earning assets | $649,843,500 | 923 |
| Average equity | $66,590,500 | 1,013 |
| Average total loans | $404,163,750 | 1,058 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 6,809 |
| Cost of funding earning assets | 0.6367% | 6,292 |
| Net interest margin | 3.2566% | 5,984 |
| Noninterest income to average assets | 1.9037% | 389 |
| Noninterest expense to average assets | 2.7700% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5029% | 885 |
| Return on assets (ROA) | 1.5029% | 943 |
| Pretax return on assets | 2.1478% | 449 |
| Return on Equity (ROE) | 16.2456% | 643 |
| Retained earnings to average equity (ytd only) | 13.1775% | 375 |
| Net charge-offs to loans | -0.1389% | 7,238 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3258% | 6,386 |
| Assets per employee ($millions) | 4.0583% | 3,635 |
| Cash dividends to net income (ytd only)* | 18.8857% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7068% | 1,176 |
| Loan loss allowance to noncurrent loans | 1,417.1875% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 6,308 |
| Noncurrent loans to loans | 0.1910% | 6,524 |
| Net loans and leases to total assets | 54.7718% | 5,184 |
| Net loans and leases to deposits | 75.3074% | 3,594 |
| Net loans and leases to core deposits | 77.0591% | 4,182 |
| Total domestic deposits to total assets | 72.7310% | 6,954 |
| Equity capital to assets | 9.5365% | 4,756 |
| Core capital (leverage) ratio | 9.0037% | 4,720 |
| Tier 1 risk-based capital ratio | 16.0706% | 2,946 |
| Total risk-based capital ratio | 17.3436% | 2,903 |
| Memoranda: | ||
| Average total assets | $704,624,670 | 939 |
| Average earning assets | $652,154,000 | 927 |
| Average equity | $65,187,000 | 1,037 |
| Average total loans | $407,391,330 | 1,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 6,866 |
| Cost of funding earning assets | 0.6514% | 6,375 |
| Net interest margin | 3.2144% | 6,029 |
| Noninterest income to average assets | 1.8565% | 408 |
| Noninterest expense to average assets | 2.7688% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4444% | 998 |
| Return on assets (ROA) | 1.4444% | 1,036 |
| Pretax return on assets | 2.0548% | 507 |
| Return on Equity (ROE) | 15.8624% | 693 |
| Retained earnings to average equity (ytd only) | 12.7238% | 630 |
| Net charge-offs to loans | -0.0020% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4002% | 6,338 |
| Assets per employee ($millions) | 3.9658% | 3,901 |
| Cash dividends to net income (ytd only)* | 19.7863% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5929% | 1,323 |
| Loan loss allowance to noncurrent loans | 450.2335% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 5,853 |
| Noncurrent loans to loans | 0.5759% | 5,873 |
| Net loans and leases to total assets | 56.7459% | 4,864 |
| Net loans and leases to deposits | 78.0720% | 3,047 |
| Net loans and leases to core deposits | 79.9017% | 3,774 |
| Total domestic deposits to total assets | 72.6841% | 7,023 |
| Equity capital to assets | 9.2209% | 4,843 |
| Core capital (leverage) ratio | 8.7129% | 5,068 |
| Tier 1 risk-based capital ratio | 15.2599% | 3,280 |
| Total risk-based capital ratio | 16.5314% | 3,229 |
| Memoranda: | ||
| Average total assets | $699,810,000 | 958 |
| Average earning assets | $645,968,000 | 941 |
| Average equity | $63,723,000 | 1,054 |
| Average total loans | $410,040,000 | 1,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 6,940 |
| Cost of funding earning assets | 0.8739% | 6,278 |
| Net interest margin | 3.3161% | 5,930 |
| Noninterest income to average assets | 1.9203% | 421 |
| Noninterest expense to average assets | 2.8974% | 4,233 |
| Loan and lease loss provision to assets | 0.2172% | 5,090 |
| Net operating income to assets | 1.3189% | 1,125 |
| Return on assets (ROA) | 1.3190% | 1,197 |
| Pretax return on assets | 1.8478% | 688 |
| Return on Equity (ROE) | 14.4838% | 797 |
| Retained earnings to average equity (ytd only) | 4.1462% | 2,947 |
| Net charge-offs to loans | 0.3205% | 4,419 |
| Credit loss provision to net charge-offs | 113.8088% | 3,821 |
| Earnings coverage of net charge-offs (x) | 10.8171% | 1,669 |
| Efficiency ratio | 58.3883% | 6,294 |
| Assets per employee ($millions) | 3.8760% | 4,065 |
| Cash dividends to net income (ytd only)* | 71.3737% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5783% | 1,310 |
| Loan loss allowance to noncurrent loans | 244.8833% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,771 |
| Noncurrent loans to loans | 1.0529% | 4,967 |
| Net loans and leases to total assets | 57.4123% | 5,127 |
| Net loans and leases to deposits | 76.5076% | 3,763 |
| Net loans and leases to core deposits | 78.5769% | 4,387 |
| Total domestic deposits to total assets | 75.0412% | 6,763 |
| Equity capital to assets | 8.9899% | 5,155 |
| Core capital (leverage) ratio | 8.3769% | 5,584 |
| Tier 1 risk-based capital ratio | 14.7788% | 3,381 |
| Total risk-based capital ratio | 16.0497% | 3,328 |
| Memoranda: | ||
| Average total assets | $690,451,400 | 965 |
| Average earning assets | $633,364,600 | 953 |
| Average equity | $62,877,200 | 1,067 |
| Average total loans | $411,238,400 | 1,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 7,026 |
| Cost of funding earning assets | 0.9100% | 6,358 |
| Net interest margin | 3.3449% | 5,864 |
| Noninterest income to average assets | 1.9146% | 403 |
| Noninterest expense to average assets | 2.8113% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5133% | 898 |
| Return on assets (ROA) | 1.5135% | 978 |
| Pretax return on assets | 2.1652% | 438 |
| Return on Equity (ROE) | 16.5655% | 644 |
| Retained earnings to average equity (ytd only) | 10.2080% | 750 |
| Net charge-offs to loans | 0.2649% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 13.6866% | 1,565 |
| Efficiency ratio | 56.4937% | 6,490 |
| Assets per employee ($millions) | 3.6548% | 4,602 |
| Cash dividends to net income (ytd only)* | 38.3779% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 1,501 |
| Loan loss allowance to noncurrent loans | 184.6894% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 5,565 |
| Noncurrent loans to loans | 1.2886% | 4,703 |
| Net loans and leases to total assets | 58.2511% | 5,225 |
| Net loans and leases to deposits | 80.8012% | 3,307 |
| Net loans and leases to core deposits | 83.4394% | 4,032 |
| Total domestic deposits to total assets | 72.0919% | 7,121 |
| Equity capital to assets | 9.7416% | 4,479 |
| Core capital (leverage) ratio | 8.9375% | 4,782 |
| Tier 1 risk-based capital ratio | 15.6230% | 2,942 |
| Total risk-based capital ratio | 16.8902% | 2,894 |
| Memoranda: | ||
| Average total assets | $688,643,750 | 972 |
| Average earning assets | $630,312,750 | 964 |
| Average equity | $62,916,250 | 1,065 |
| Average total loans | $411,259,000 | 1,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 7,068 |
| Cost of funding earning assets | 0.9317% | 6,459 |
| Net interest margin | 3.3571% | 5,811 |
| Noninterest income to average assets | 1.8574% | 393 |
| Noninterest expense to average assets | 2.8042% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4865% | 935 |
| Return on assets (ROA) | 1.4867% | 997 |
| Pretax return on assets | 2.1198% | 475 |
| Return on Equity (ROE) | 16.6309% | 616 |
| Retained earnings to average equity (ytd only) | 8.5576% | 1,246 |
| Net charge-offs to loans | 0.3895% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 9.1092% | 2,054 |
| Efficiency ratio | 56.9536% | 6,515 |
| Assets per employee ($millions) | 3.7012% | 4,464 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3882% | 1,442 |
| Loan loss allowance to noncurrent loans | 172.9579% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 5,506 |
| Noncurrent loans to loans | 1.3808% | 4,633 |
| Net loans and leases to total assets | 56.4663% | 5,631 |
| Net loans and leases to deposits | 79.3131% | 3,732 |
| Net loans and leases to core deposits | 81.7374% | 4,455 |
| Total domestic deposits to total assets | 71.1942% | 7,249 |
| Equity capital to assets | 9.1801% | 5,168 |
| Core capital (leverage) ratio | 8.4903% | 5,428 |
| Tier 1 risk-based capital ratio | 15.2655% | 3,029 |
| Total risk-based capital ratio | 16.5338% | 2,977 |
| Memoranda: | ||
| Average total assets | $692,814,670 | 972 |
| Average earning assets | $632,807,670 | 969 |
| Average equity | $61,933,000 | 1,073 |
| Average total loans | $413,860,000 | 1,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 7,104 |
| Cost of funding earning assets | 0.9149% | 6,713 |
| Net interest margin | 3.4053% | 5,561 |
| Noninterest income to average assets | 1.7494% | 422 |
| Noninterest expense to average assets | 2.8443% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3961% | 1,083 |
| Return on assets (ROA) | 1.3965% | 1,157 |
| Pretax return on assets | 1.9801% | 632 |
| Return on Equity (ROE) | 15.8409% | 741 |
| Retained earnings to average equity (ytd only) | 12.3425% | 703 |
| Net charge-offs to loans | 0.0245% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 133.7083% | 246 |
| Efficiency ratio | 58.9642% | 6,343 |
| Assets per employee ($millions) | 3.5443% | 4,937 |
| Cash dividends to net income (ytd only)* | 22.0848% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 1,342 |
| Loan loss allowance to noncurrent loans | 311.2261% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 6,273 |
| Noncurrent loans to loans | 0.7916% | 5,735 |
| Net loans and leases to total assets | 59.6940% | 5,169 |
| Net loans and leases to deposits | 83.1419% | 3,085 |
| Net loans and leases to core deposits | 85.6850% | 3,947 |
| Total domestic deposits to total assets | 71.7978% | 7,279 |
| Equity capital to assets | 9.1135% | 5,115 |
| Core capital (leverage) ratio | 8.5678% | 5,259 |
| Tier 1 risk-based capital ratio | 14.2408% | 3,518 |
| Total risk-based capital ratio | 15.5089% | 3,474 |
| Memoranda: | ||
| Average total assets | $648,456,000 | 1,065 |
| Average earning assets | $585,440,000 | 1,069 |
| Average equity | $57,168,500 | 1,159 |
| Average total loans | $392,406,500 | 1,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 7,234 |
| Cost of funding earning assets | 1.0807% | 7,029 |
| Net interest margin | 3.5509% | 4,741 |
| Noninterest income to average assets | 1.8390% | 441 |
| Noninterest expense to average assets | 2.8722% | 4,649 |
| Loan and lease loss provision to assets | 0.4542% | 4,101 |
| Net operating income to assets | 1.2557% | 1,121 |
| Return on assets (ROA) | 1.2557% | 1,176 |
| Pretax return on assets | 1.7062% | 768 |
| Return on Equity (ROE) | 15.2319% | 644 |
| Retained earnings to average equity (ytd only) | 7.8850% | 731 |
| Net charge-offs to loans | 0.1209% | 5,970 |
| Credit loss provision to net charge-offs | 609.7561% | 483 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 791 |
| Efficiency ratio | 57.0719% | 6,884 |
| Assets per employee ($millions) | 3.7228% | 4,467 |
| Cash dividends to net income (ytd only)* | 48.2334% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4455% | 1,297 |
| Loan loss allowance to noncurrent loans | 464.1001% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,648 |
| Noncurrent loans to loans | 0.5269% | 6,202 |
| Net loans and leases to total assets | 58.3843% | 5,598 |
| Net loans and leases to deposits | 80.4700% | 3,897 |
| Net loans and leases to core deposits | 86.5676% | 5,466 |
| Total domestic deposits to total assets | 72.5541% | 7,199 |
| Equity capital to assets | 8.5281% | 5,837 |
| Core capital (leverage) ratio | 7.7450% | 6,511 |
| Tier 1 risk-based capital ratio | 13.6590% | 3,711 |
| Total risk-based capital ratio | 14.9262% | 3,642 |
| Memoranda: | ||
| Average total assets | $660,430,800 | 1,051 |
| Average earning assets | $593,985,600 | 1,057 |
| Average equity | $54,445,000 | 1,209 |
| Average total loans | $407,098,800 | 1,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 7,310 |
| Cost of funding earning assets | 1.1139% | 7,148 |
| Net interest margin | 3.5661% | 4,611 |
| Noninterest income to average assets | 1.8581% | 429 |
| Noninterest expense to average assets | 2.8510% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4608% | 896 |
| Return on assets (ROA) | 1.4608% | 951 |
| Pretax return on assets | 2.2160% | 332 |
| Return on Equity (ROE) | 17.8736% | 469 |
| Retained earnings to average equity (ytd only) | 9.2331% | 789 |
| Net charge-offs to loans | 0.1583% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 22.5523% | 1,152 |
| Efficiency ratio | 56.2657% | 6,962 |
| Assets per employee ($millions) | 3.8247% | 4,140 |
| Cash dividends to net income (ytd only)* | 48.3426% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 2,702 |
| Loan loss allowance to noncurrent loans | 287.7109% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,621 |
| Noncurrent loans to loans | 0.5835% | 6,147 |
| Net loans and leases to total assets | 58.1766% | 5,862 |
| Net loans and leases to deposits | 89.6090% | 2,650 |
| Net loans and leases to core deposits | 97.3132% | 4,680 |
| Total domestic deposits to total assets | 64.9227% | 7,728 |
| Equity capital to assets | 8.3594% | 6,430 |
| Core capital (leverage) ratio | 7.7144% | 6,714 |
| Tier 1 risk-based capital ratio | 13.5828% | 3,789 |
| Total risk-based capital ratio | 14.8403% | 3,723 |
| Memoranda: | ||
| Average total assets | $660,804,250 | 1,062 |
| Average earning assets | $594,627,000 | 1,073 |
| Average equity | $54,007,500 | 1,241 |
| Average total loans | $410,283,500 | 1,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 7,315 |
| Cost of funding earning assets | 1.1770% | 7,176 |
| Net interest margin | 3.5736% | 4,477 |
| Noninterest income to average assets | 1.8363% | 433 |
| Noninterest expense to average assets | 2.9260% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4034% | 1,026 |
| Return on assets (ROA) | 1.4034% | 1,091 |
| Pretax return on assets | 2.1053% | 427 |
| Return on Equity (ROE) | 17.3052% | 553 |
| Retained earnings to average equity (ytd only) | 11.6830% | 485 |
| Net charge-offs to loans | -0.0005% | 7,460 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1561% | 6,843 |
| Assets per employee ($millions) | 3.5553% | 4,673 |
| Cash dividends to net income (ytd only)* | 32.4886% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 2,188 |
| Loan loss allowance to noncurrent loans | 479.3150% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 6,908 |
| Noncurrent loans to loans | 0.3648% | 6,597 |
| Net loans and leases to total assets | 63.3680% | 5,110 |
| Net loans and leases to deposits | 95.2989% | 1,903 |
| Net loans and leases to core deposits | 103.0765% | 4,172 |
| Total domestic deposits to total assets | 66.4939% | 7,710 |
| Equity capital to assets | 8.6746% | 5,791 |
| Core capital (leverage) ratio | 7.4168% | 7,118 |
| Tier 1 risk-based capital ratio | 12.9440% | 4,188 |
| Total risk-based capital ratio | 14.2018% | 4,099 |
| Memoranda: | ||
| Average total assets | $657,967,000 | 1,085 |
| Average earning assets | $588,264,330 | 1,105 |
| Average equity | $53,359,670 | 1,267 |
| Average total loans | $415,033,330 | 1,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 7,467 |
| Cost of funding earning assets | 1.2203% | 7,247 |
| Net interest margin | 3.5055% | 4,711 |
| Noninterest income to average assets | 1.7431% | 451 |
| Noninterest expense to average assets | 2.7811% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4001% | 1,139 |
| Return on assets (ROA) | 1.4001% | 1,227 |
| Pretax return on assets | 2.0551% | 598 |
| Return on Equity (ROE) | 17.8508% | 603 |
| Retained earnings to average equity (ytd only) | 14.0479% | 514 |
| Net charge-offs to loans | -0.0038% | 7,154 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5059% | 6,761 |
| Assets per employee ($millions) | 3.8011% | 4,092 |
| Cash dividends to net income (ytd only)* | 21.3038% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 2,139 |
| Loan loss allowance to noncurrent loans | 671.0526% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 7,093 |
| Noncurrent loans to loans | 0.2538% | 6,808 |
| Net loans and leases to total assets | 60.2411% | 5,614 |
| Net loans and leases to deposits | 97.9175% | 1,678 |
| Net loans and leases to core deposits | 105.9400% | 3,926 |
| Total domestic deposits to total assets | 61.5223% | 7,928 |
| Equity capital to assets | 7.8639% | 6,991 |
| Core capital (leverage) ratio | 7.7539% | 6,818 |
| Tier 1 risk-based capital ratio | 12.6004% | 4,472 |
| Total risk-based capital ratio | 13.8567% | 4,391 |
| Memoranda: | ||
| Average total assets | $670,532,000 | 1,053 |
| Average earning assets | $591,641,000 | 1,096 |
| Average equity | $52,591,500 | 1,297 |
| Average total loans | $418,473,500 | 1,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 7,235 |
| Cost of funding earning assets | 1.9922% | 6,435 |
| Net interest margin | 3.5336% | 5,175 |
| Noninterest income to average assets | 1.9367% | 363 |
| Noninterest expense to average assets | 2.9626% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4585% | 1,108 |
| Return on assets (ROA) | 1.4102% | 1,164 |
| Pretax return on assets | 1.9668% | 669 |
| Return on Equity (ROE) | 17.3170% | 596 |
| Retained earnings to average equity (ytd only) | 0.6830% | 4,821 |
| Net charge-offs to loans | 0.0032% | 6,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 981.7692% | 48 |
| Efficiency ratio | 59.2939% | 6,476 |
| Assets per employee ($millions) | 3.6903% | 4,196 |
| Cash dividends to net income (ytd only)* | 96.0561% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 1,882 |
| Loan loss allowance to noncurrent loans | 1,757.6355% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 7,319 |
| Noncurrent loans to loans | 0.0972% | 7,124 |
| Net loans and leases to total assets | 62.4941% | 5,538 |
| Net loans and leases to deposits | 88.5728% | 3,711 |
| Net loans and leases to core deposits | 94.8894% | 5,365 |
| Total domestic deposits to total assets | 70.5568% | 7,218 |
| Equity capital to assets | 7.8217% | 7,067 |
| Core capital (leverage) ratio | 7.6616% | 6,983 |
| Tier 1 risk-based capital ratio | 12.0935% | 4,744 |
| Total risk-based capital ratio | 13.3506% | 4,623 |
| Memoranda: | ||
| Average total assets | $627,521,000 | 1,069 |
| Average earning assets | $543,376,600 | 1,139 |
| Average equity | $51,100,200 | 1,323 |
| Average total loans | $408,013,200 | 1,181 |