Home > The State Bank > Performance and Condition Ratios
The State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 2,203 |
| Cost of funding earning assets | 1.6381% | 1,597 |
| Net interest margin | 3.2986% | 2,640 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3964% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9853% | 2,266 |
| Return on assets (ROA) | 0.9858% | 2,248 |
| Pretax return on assets | 1.2326% | 2,058 |
| Return on Equity (ROE) | 11.5300% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.3319% | 1,177 |
| Net charge-offs to loans | -0.0401% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.6243% | 2,397 |
| Assets per employee ($millions) | 7.4254% | 1,789 |
| Cash dividends to net income (ytd only)* | 19.0873% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,090 |
| Loan loss allowance to noncurrent loans | 276.8290% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 1,542 |
| Noncurrent loans to loans | 0.3774% | 1,853 |
| Net loans and leases to total assets | 83.9600% | 270 |
| Net loans and leases to deposits | 104.5826% | 337 |
| Net loans and leases to core deposits | 116.8210% | 723 |
| Total domestic deposits to total assets | 80.2800% | 3,419 |
| Equity capital to assets | 8.9326% | 2,717 |
| Core capital (leverage) ratio | 8.9377% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1258% | 2,544 |
| Memoranda: | ||
| Average total assets | $1,727,199,600 | 643 |
| Average earning assets | $1,614,712,600 | 631 |
| Average equity | $147,632,600 | 678 |
| Average total loans | $1,465,414,800 | 523 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 2,156 |
| Cost of funding earning assets | 1.5185% | 1,555 |
| Net interest margin | 3.3347% | 2,607 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4287% | 2,436 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9886% | 2,399 |
| Return on assets (ROA) | 0.9869% | 2,391 |
| Pretax return on assets | 1.2343% | 2,214 |
| Return on Equity (ROE) | 11.6800% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.1632% | 1,647 |
| Net charge-offs to loans | -0.0363% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.6030% | 2,319 |
| Assets per employee ($millions) | 7.5509% | 1,604 |
| Cash dividends to net income (ytd only)* | 21.5416% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,167 |
| Loan loss allowance to noncurrent loans | 425.1795% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,120 |
| Noncurrent loans to loans | 0.2439% | 2,375 |
| Net loans and leases to total assets | 84.2400% | 261 |
| Net loans and leases to deposits | 104.7968% | 327 |
| Net loans and leases to core deposits | 114.3506% | 715 |
| Total domestic deposits to total assets | 80.3800% | 3,476 |
| Equity capital to assets | 8.5480% | 2,699 |
| Core capital (leverage) ratio | 8.7303% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7863% | 2,673 |
| Memoranda: | ||
| Average total assets | $1,724,615,500 | 650 |
| Average earning assets | $1,611,766,000 | 633 |
| Average equity | $145,738,750 | 680 |
| Average total loans | $1,463,214,000 | 524 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 2,080 |
| Cost of funding earning assets | 1.3735% | 1,522 |
| Net interest margin | 3.3864% | 2,557 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4410% | 2,373 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9901% | 2,452 |
| Return on assets (ROA) | 0.9901% | 2,440 |
| Pretax return on assets | 1.2385% | 2,257 |
| Return on Equity (ROE) | 11.7600% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.3418% | 1,596 |
| Net charge-offs to loans | 0.0056% | 2,048 |
| Credit loss provision to net charge-offs | 1,075.6098% | 389 |
| Earnings coverage of net charge-offs (x) | 270.2439% | 491 |
| Efficiency ratio | 64.9568% | 2,380 |
| Assets per employee ($millions) | 7.4052% | 1,657 |
| Cash dividends to net income (ytd only)* | 20.5761% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,218 |
| Loan loss allowance to noncurrent loans | 646.2442% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,437 |
| Noncurrent loans to loans | 0.1617% | 2,670 |
| Net loans and leases to total assets | 84.8700% | 216 |
| Net loans and leases to deposits | 105.6507% | 322 |
| Net loans and leases to core deposits | 114.2902% | 677 |
| Total domestic deposits to total assets | 80.3300% | 3,528 |
| Equity capital to assets | 8.5609% | 2,810 |
| Core capital (leverage) ratio | 8.7120% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5107% | 2,764 |
| Memoranda: | ||
| Average total assets | $1,718,070,667 | 635 |
| Average earning assets | $1,606,825,667 | 625 |
| Average equity | $144,619,000 | 684 |
| Average total loans | $1,456,033,667 | 515 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,987 |
| Cost of funding earning assets | 1.2340% | 1,371 |
| Net interest margin | 3.4087% | 2,610 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.3987% | 2,536 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0271% | 2,450 |
| Return on assets (ROA) | 1.0297% | 2,407 |
| Pretax return on assets | 1.2889% | 2,211 |
| Return on Equity (ROE) | 12.3400% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.2462% | 1,639 |
| Net charge-offs to loans | 0.0044% | 1,815 |
| Credit loss provision to net charge-offs | 1,475.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 359.8750% | 315 |
| Efficiency ratio | 63.6760% | 2,503 |
| Assets per employee ($millions) | 7.3770% | 1,696 |
| Cash dividends to net income (ytd only)* | 16.9568% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,322 |
| Loan loss allowance to noncurrent loans | 559.1477% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,297 |
| Noncurrent loans to loans | 0.1867% | 2,546 |
| Net loans and leases to total assets | 82.5200% | 323 |
| Net loans and leases to deposits | 106.5592% | 239 |
| Net loans and leases to core deposits | 116.0435% | 536 |
| Total domestic deposits to total assets | 77.4500% | 4,054 |
| Equity capital to assets | 8.2625% | 3,070 |
| Core capital (leverage) ratio | 8.6199% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2698% | 2,908 |
| Memoranda: | ||
| Average total assets | $1,718,101,500 | 645 |
| Average earning assets | $1,609,660,000 | 633 |
| Average equity | $143,390,000 | 699 |
| Average total loans | $1,447,353,500 | 525 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 1,286 |
| Cost of funding earning assets | 0.4182% | 1,954 |
| Net interest margin | 3.7617% | 1,238 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.6253% | 1,755 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.0742% | 2,286 |
| Return on assets (ROA) | 1.0681% | 2,251 |
| Pretax return on assets | 1.3350% | 1,977 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 11.8715% | 695 |
| Net charge-offs to loans | 0.0482% | 1,196 |
| Credit loss provision to net charge-offs | 513.2231% | 667 |
| Earnings coverage of net charge-offs (x) | 38.8595% | 1,521 |
| Efficiency ratio | 62.2479% | 2,725 |
| Assets per employee ($millions) | 7.2130% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,752 |
| Loan loss allowance to noncurrent loans | 566.9429% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,467 |
| Noncurrent loans to loans | 0.1596% | 2,698 |
| Net loans and leases to total assets | 84.3500% | 234 |
| Net loans and leases to deposits | 106.8023% | 228 |
| Net loans and leases to core deposits | 118.5683% | 392 |
| Total domestic deposits to total assets | 78.9800% | 4,006 |
| Equity capital to assets | 8.4322% | 2,757 |
| Core capital (leverage) ratio | 8.7417% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0573% | 2,963 |
| Memoranda: | ||
| Average total assets | $1,519,878,000 | 692 |
| Average earning assets | $1,417,291,800 | 685 |
| Average equity | $136,747,600 | 721 |
| Average total loans | $1,254,078,400 | 557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 1,244 |
| Cost of funding earning assets | 0.2517% | 2,682 |
| Net interest margin | 3.7623% | 1,013 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.7347% | 1,387 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.0414% | 2,317 |
| Return on assets (ROA) | 1.0330% | 2,320 |
| Pretax return on assets | 1.2901% | 2,077 |
| Return on Equity (ROE) | 11.2800% | 2,273 |
| Retained earnings to average equity (ytd only) | 11.2788% | 974 |
| Net charge-offs to loans | 0.0616% | 874 |
| Credit loss provision to net charge-offs | 404.6595% | 697 |
| Earnings coverage of net charge-offs (x) | 29.8835% | 1,521 |
| Efficiency ratio | 63.8269% | 2,570 |
| Assets per employee ($millions) | 6.7285% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 3,843 |
| Loan loss allowance to noncurrent loans | 772.1519% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,789 |
| Noncurrent loans to loans | 0.1170% | 3,060 |
| Net loans and leases to total assets | 84.3100% | 218 |
| Net loans and leases to deposits | 99.5099% | 382 |
| Net loans and leases to core deposits | 102.2469% | 732 |
| Total domestic deposits to total assets | 84.7200% | 3,350 |
| Equity capital to assets | 8.6373% | 2,449 |
| Core capital (leverage) ratio | 9.0342% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1103% | 3,023 |
| Memoranda: | ||
| Average total assets | $1,477,885,500 | 715 |
| Average earning assets | $1,377,139,250 | 703 |
| Average equity | $135,354,000 | 735 |
| Average total loans | $1,208,433,250 | 571 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 1,241 |
| Cost of funding earning assets | 0.1632% | 3,399 |
| Net interest margin | 3.6696% | 963 |
| Noninterest income to average assets | 0.7907% | 1,066 |
| Noninterest expense to average assets | 2.8267% | 1,123 |
| Loan and lease loss provision to assets | 0.1425% | 666 |
| Net operating income to assets | 0.9930% | 2,185 |
| Return on assets (ROA) | 0.9843% | 2,184 |
| Pretax return on assets | 1.2281% | 1,970 |
| Return on Equity (ROE) | 10.5273% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.5273% | 894 |
| Net charge-offs to loans | 0.0908% | 620 |
| Credit loss provision to net charge-offs | 194.8767% | 982 |
| Earnings coverage of net charge-offs (x) | 18.8899% | 1,571 |
| Efficiency ratio | 66.4622% | 2,449 |
| Assets per employee ($millions) | 6.2322% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 3,975 |
| Loan loss allowance to noncurrent loans | 547.2637% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,565 |
| Noncurrent loans to loans | 0.1629% | 2,880 |
| Net loans and leases to total assets | 83.1213% | 227 |
| Net loans and leases to deposits | 99.2556% | 302 |
| Net loans and leases to core deposits | 102.2510% | 578 |
| Total domestic deposits to total assets | 83.7447% | 3,737 |
| Equity capital to assets | 9.0753% | 2,340 |
| Core capital (leverage) ratio | 9.3940% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4739% | 2,933 |
| Memoranda: | ||
| Average total assets | $1,441,203,667 | 724 |
| Average earning assets | $1,342,167,667 | 717 |
| Average equity | $134,754,000 | 746 |
| Average total loans | $1,160,940,000 | 583 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 1,255 |
| Cost of funding earning assets | 0.1485% | 3,524 |
| Net interest margin | 3.5599% | 961 |
| Noninterest income to average assets | 0.8026% | 1,039 |
| Noninterest expense to average assets | 2.7886% | 1,183 |
| Loan and lease loss provision to assets | 0.1408% | 570 |
| Net operating income to assets | 0.9514% | 2,070 |
| Return on assets (ROA) | 0.9411% | 2,099 |
| Pretax return on assets | 1.1736% | 1,904 |
| Return on Equity (ROE) | 9.9150% | 1,990 |
| Retained earnings to average equity (ytd only) | 9.9150% | 1,039 |
| Net charge-offs to loans | 0.0007% | 1,820 |
| Credit loss provision to net charge-offs | 25,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,366.5000% | 22 |
| Efficiency ratio | 67.0232% | 2,630 |
| Assets per employee ($millions) | 6.1270% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,869 |
| Loan loss allowance to noncurrent loans | 480.1397% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,512 |
| Noncurrent loans to loans | 0.2005% | 2,820 |
| Net loans and leases to total assets | 78.9128% | 300 |
| Net loans and leases to deposits | 90.3002% | 496 |
| Net loans and leases to core deposits | 94.7845% | 698 |
| Total domestic deposits to total assets | 87.3894% | 2,788 |
| Equity capital to assets | 9.4016% | 2,358 |
| Core capital (leverage) ratio | 9.0348% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0302% | 2,884 |
| Memoranda: | ||
| Average total assets | $1,426,401,000 | 728 |
| Average earning assets | $1,327,578,000 | 726 |
| Average equity | $135,390,500 | 756 |
| Average total loans | $1,124,632,500 | 594 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 1,898 |
| Cost of funding earning assets | 0.1854% | 3,596 |
| Net interest margin | 3.6048% | 1,453 |
| Noninterest income to average assets | 1.0747% | 893 |
| Noninterest expense to average assets | 2.7932% | 1,378 |
| Loan and lease loss provision to assets | -0.0136% | 4,187 |
| Net operating income to assets | 1.3355% | 1,493 |
| Return on assets (ROA) | 1.3337% | 1,537 |
| Pretax return on assets | 1.6690% | 1,220 |
| Return on Equity (ROE) | 13.4078% | 1,343 |
| Retained earnings to average equity (ytd only) | -1.8007% | 4,616 |
| Net charge-offs to loans | 0.0209% | 1,854 |
| Credit loss provision to net charge-offs | -81.8182% | 3,329 |
| Earnings coverage of net charge-offs (x) | 99.6045% | 886 |
| Efficiency ratio | 62.2971% | 2,822 |
| Assets per employee ($millions) | 6.3352% | 2,461 |
| Cash dividends to net income (ytd only)* | 113.4301% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 3,941 |
| Loan loss allowance to noncurrent loans | 530.5710% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,771 |
| Noncurrent loans to loans | 0.1788% | 3,047 |
| Net loans and leases to total assets | 77.2596% | 430 |
| Net loans and leases to deposits | 89.2469% | 596 |
| Net loans and leases to core deposits | 94.3216% | 764 |
| Total domestic deposits to total assets | 86.5683% | 2,686 |
| Equity capital to assets | 9.5829% | 3,058 |
| Core capital (leverage) ratio | 8.9598% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0079% | 2,889 |
| Memoranda: | ||
| Average total assets | $1,322,011,800 | 756 |
| Average earning assets | $1,238,111,000 | 750 |
| Average equity | $131,505,600 | 787 |
| Average total loans | $1,054,817,800 | 628 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 1,922 |
| Cost of funding earning assets | 0.1943% | 3,671 |
| Net interest margin | 3.6536% | 1,454 |
| Noninterest income to average assets | 1.1383% | 879 |
| Noninterest expense to average assets | 2.8130% | 1,312 |
| Loan and lease loss provision to assets | -0.0224% | 4,362 |
| Net operating income to assets | 1.4205% | 1,475 |
| Return on assets (ROA) | 1.4188% | 1,546 |
| Pretax return on assets | 1.7765% | 1,220 |
| Return on Equity (ROE) | 14.1220% | 1,356 |
| Retained earnings to average equity (ytd only) | 11.5655% | 925 |
| Net charge-offs to loans | 0.0233% | 1,573 |
| Credit loss provision to net charge-offs | -119.7802% | 3,263 |
| Earnings coverage of net charge-offs (x) | 93.9176% | 901 |
| Efficiency ratio | 61.1090% | 2,819 |
| Assets per employee ($millions) | 6.4813% | 2,266 |
| Cash dividends to net income (ytd only)* | 18.1028% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,759 |
| Loan loss allowance to noncurrent loans | 125.5831% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 1,210 |
| Noncurrent loans to loans | 0.8158% | 1,397 |
| Net loans and leases to total assets | 76.3453% | 522 |
| Net loans and leases to deposits | 88.5834% | 686 |
| Net loans and leases to core deposits | 95.0448% | 788 |
| Total domestic deposits to total assets | 86.1846% | 2,676 |
| Equity capital to assets | 10.1942% | 2,719 |
| Core capital (leverage) ratio | 9.9606% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3146% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,297,744,500 | 778 |
| Average earning assets | $1,218,631,750 | 770 |
| Average equity | $130,384,750 | 807 |
| Average total loans | $1,041,803,250 | 646 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 1,835 |
| Cost of funding earning assets | 0.2027% | 3,722 |
| Net interest margin | 3.6899% | 1,377 |
| Noninterest income to average assets | 1.2667% | 727 |
| Noninterest expense to average assets | 2.7981% | 1,360 |
| Loan and lease loss provision to assets | 0.0339% | 2,307 |
| Net operating income to assets | 1.5221% | 1,239 |
| Return on assets (ROA) | 1.5201% | 1,307 |
| Pretax return on assets | 1.9047% | 1,013 |
| Return on Equity (ROE) | 15.2062% | 1,104 |
| Retained earnings to average equity (ytd only) | 15.2062% | 404 |
| Net charge-offs to loans | 0.0607% | 1,004 |
| Credit loss provision to net charge-offs | 68.5535% | 1,528 |
| Earnings coverage of net charge-offs (x) | 39.2925% | 1,176 |
| Efficiency ratio | 58.5997% | 3,202 |
| Assets per employee ($millions) | 6.4177% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,475 |
| Loan loss allowance to noncurrent loans | 125.8301% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 1,272 |
| Noncurrent loans to loans | 0.8635% | 1,427 |
| Net loans and leases to total assets | 75.1009% | 667 |
| Net loans and leases to deposits | 87.2550% | 829 |
| Net loans and leases to core deposits | 95.6296% | 824 |
| Total domestic deposits to total assets | 86.0705% | 2,716 |
| Equity capital to assets | 10.2190% | 2,650 |
| Core capital (leverage) ratio | 9.9444% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0323% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,287,435,000 | 784 |
| Average earning assets | $1,211,570,667 | 771 |
| Average equity | $128,697,333 | 814 |
| Average total loans | $1,047,444,667 | 645 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 1,694 |
| Cost of funding earning assets | 0.1894% | 4,013 |
| Net interest margin | 3.7654% | 1,210 |
| Noninterest income to average assets | 1.2211% | 826 |
| Noninterest expense to average assets | 2.7816% | 1,405 |
| Loan and lease loss provision to assets | 0.0664% | 1,817 |
| Net operating income to assets | 1.5346% | 1,254 |
| Return on assets (ROA) | 1.5301% | 1,327 |
| Pretax return on assets | 1.9239% | 1,072 |
| Return on Equity (ROE) | 15.4829% | 1,115 |
| Retained earnings to average equity (ytd only) | 15.4829% | 576 |
| Net charge-offs to loans | 0.0045% | 1,755 |
| Credit loss provision to net charge-offs | 1,766.6667% | 269 |
| Earnings coverage of net charge-offs (x) | 530.8333% | 180 |
| Efficiency ratio | 57.7753% | 3,338 |
| Assets per employee ($millions) | 6.6784% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,637 |
| Loan loss allowance to noncurrent loans | 136.3971% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 1,523 |
| Noncurrent loans to loans | 0.7718% | 1,695 |
| Net loans and leases to total assets | 80.1155% | 329 |
| Net loans and leases to deposits | 92.8352% | 553 |
| Net loans and leases to core deposits | 102.1973% | 627 |
| Total domestic deposits to total assets | 86.2987% | 2,624 |
| Equity capital to assets | 9.8578% | 2,838 |
| Core capital (leverage) ratio | 9.9351% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5262% | 2,073 |
| Memoranda: | ||
| Average total assets | $1,276,547,500 | 779 |
| Average earning assets | $1,205,722,500 | 765 |
| Average equity | $126,152,000 | 823 |
| Average total loans | $1,074,153,000 | 630 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,276 |
| Cost of funding earning assets | 0.4802% | 3,078 |
| Net interest margin | 3.6706% | 1,906 |
| Noninterest income to average assets | 1.6138% | 479 |
| Noninterest expense to average assets | 2.9109% | 1,652 |
| Loan and lease loss provision to assets | 0.4794% | 543 |
| Net operating income to assets | 1.3432% | 1,138 |
| Return on assets (ROA) | 1.3445% | 1,237 |
| Pretax return on assets | 1.6853% | 877 |
| Return on Equity (ROE) | 13.5730% | 905 |
| Retained earnings to average equity (ytd only) | 13.5730% | 207 |
| Net charge-offs to loans | 0.0541% | 2,012 |
| Credit loss provision to net charge-offs | 1,029.9817% | 765 |
| Earnings coverage of net charge-offs (x) | 46.4753% | 1,268 |
| Efficiency ratio | 56.7639% | 3,887 |
| Assets per employee ($millions) | 6.4144% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,882 |
| Loan loss allowance to noncurrent loans | 136.3693% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 1,645 |
| Noncurrent loans to loans | 0.7307% | 1,878 |
| Net loans and leases to total assets | 86.5818% | 82 |
| Net loans and leases to deposits | 100.7859% | 341 |
| Net loans and leases to core deposits | 112.0233% | 455 |
| Total domestic deposits to total assets | 85.9066% | 2,402 |
| Equity capital to assets | 9.9531% | 3,172 |
| Core capital (leverage) ratio | 9.3177% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4601% | 2,065 |
| Memoranda: | ||
| Average total assets | $1,175,279,600 | 764 |
| Average earning assets | $1,107,891,200 | 745 |
| Average equity | $116,422,400 | 847 |
| Average total loans | $1,011,456,000 | 634 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 2,385 |
| Cost of funding earning assets | 0.5445% | 2,965 |
| Net interest margin | 3.6618% | 2,057 |
| Noninterest income to average assets | 1.6438% | 439 |
| Noninterest expense to average assets | 2.6945% | 2,279 |
| Loan and lease loss provision to assets | 0.5364% | 521 |
| Net operating income to assets | 1.4811% | 941 |
| Return on assets (ROA) | 1.4832% | 1,018 |
| Pretax return on assets | 1.8646% | 684 |
| Return on Equity (ROE) | 14.9920% | 690 |
| Retained earnings to average equity (ytd only) | 14.9920% | 200 |
| Net charge-offs to loans | 0.0491% | 1,908 |
| Credit loss provision to net charge-offs | 1,274.5205% | 701 |
| Earnings coverage of net charge-offs (x) | 56.9890% | 1,122 |
| Efficiency ratio | 52.2945% | 4,316 |
| Assets per employee ($millions) | 6.9068% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,999 |
| Loan loss allowance to noncurrent loans | 1,355.7047% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,149 |
| Noncurrent loans to loans | 0.0680% | 4,101 |
| Net loans and leases to total assets | 84.5055% | 240 |
| Net loans and leases to deposits | 101.9394% | 459 |
| Net loans and leases to core deposits | 112.0053% | 630 |
| Total domestic deposits to total assets | 82.8978% | 3,169 |
| Equity capital to assets | 9.4673% | 3,707 |
| Core capital (leverage) ratio | 9.2729% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6564% | 1,950 |
| Memoranda: | ||
| Average total assets | $1,156,399,000 | 766 |
| Average earning assets | $1,089,203,500 | 746 |
| Average equity | $114,404,500 | 855 |
| Average total loans | $990,853,250 | 636 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 2,582 |
| Cost of funding earning assets | 0.6456% | 2,724 |
| Net interest margin | 3.6134% | 2,443 |
| Noninterest income to average assets | 1.6305% | 395 |
| Noninterest expense to average assets | 2.7406% | 2,251 |
| Loan and lease loss provision to assets | 0.6363% | 474 |
| Net operating income to assets | 1.3135% | 1,327 |
| Return on assets (ROA) | 1.3164% | 1,421 |
| Pretax return on assets | 1.6535% | 1,099 |
| Return on Equity (ROE) | 13.0895% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.0895% | 347 |
| Net charge-offs to loans | 0.0764% | 1,487 |
| Credit loss provision to net charge-offs | 970.6849% | 810 |
| Earnings coverage of net charge-offs (x) | 34.8767% | 1,337 |
| Efficiency ratio | 53.8728% | 4,194 |
| Assets per employee ($millions) | 6.7627% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 4,277 |
| Loan loss allowance to noncurrent loans | 877.1707% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,109 |
| Noncurrent loans to loans | 0.0940% | 4,087 |
| Net loans and leases to total assets | 87.4233% | 79 |
| Net loans and leases to deposits | 105.8677% | 319 |
| Net loans and leases to core deposits | 115.5422% | 549 |
| Total domestic deposits to total assets | 82.5779% | 3,209 |
| Equity capital to assets | 9.3847% | 3,751 |
| Core capital (leverage) ratio | 9.4770% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3701% | 2,040 |
| Memoranda: | ||
| Average total assets | $1,113,641,667 | 782 |
| Average earning assets | $1,046,726,667 | 760 |
| Average equity | $111,998,000 | 865 |
| Average total loans | $955,898,333 | 649 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 2,310 |
| Cost of funding earning assets | 0.7866% | 2,467 |
| Net interest margin | 3.7134% | 2,278 |
| Noninterest income to average assets | 1.4373% | 433 |
| Noninterest expense to average assets | 2.8769% | 2,189 |
| Loan and lease loss provision to assets | 0.5865% | 478 |
| Net operating income to assets | 1.1542% | 1,682 |
| Return on assets (ROA) | 1.1597% | 1,767 |
| Pretax return on assets | 1.4552% | 1,425 |
| Return on Equity (ROE) | 11.0947% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.0947% | 553 |
| Net charge-offs to loans | 0.0473% | 1,542 |
| Credit loss provision to net charge-offs | 1,468.5714% | 453 |
| Earnings coverage of net charge-offs (x) | 50.9524% | 888 |
| Efficiency ratio | 57.8752% | 4,015 |
| Assets per employee ($millions) | 5.8761% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 4,367 |
| Loan loss allowance to noncurrent loans | 859.0047% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,042 |
| Noncurrent loans to loans | 0.0952% | 4,128 |
| Net loans and leases to total assets | 82.2362% | 417 |
| Net loans and leases to deposits | 99.2132% | 608 |
| Net loans and leases to core deposits | 112.7292% | 726 |
| Total domestic deposits to total assets | 82.8884% | 3,143 |
| Equity capital to assets | 10.4297% | 3,384 |
| Core capital (leverage) ratio | 10.3467% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6567% | 2,418 |
| Memoranda: | ||
| Average total assets | $1,051,677,000 | 790 |
| Average earning assets | $983,999,000 | 769 |
| Average equity | $109,926,000 | 871 |
| Average total loans | $888,389,000 | 680 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 2,068 |
| Cost of funding earning assets | 0.8504% | 2,428 |
| Net interest margin | 3.9411% | 2,027 |
| Noninterest income to average assets | 0.8465% | 1,313 |
| Noninterest expense to average assets | 2.7795% | 2,669 |
| Loan and lease loss provision to assets | 0.1382% | 1,544 |
| Net operating income to assets | 1.3039% | 1,677 |
| Return on assets (ROA) | 1.3076% | 1,739 |
| Pretax return on assets | 1.6409% | 1,363 |
| Return on Equity (ROE) | 12.4429% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.4429% | 207 |
| Net charge-offs to loans | 0.0012% | 3,682 |
| Credit loss provision to net charge-offs | 13,350.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,714.6000% | 44 |
| Efficiency ratio | 60.0086% | 3,693 |
| Assets per employee ($millions) | 5.7121% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 4,643 |
| Loan loss allowance to noncurrent loans | 403.4004% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,943 |
| Noncurrent loans to loans | 0.1619% | 3,884 |
| Net loans and leases to total assets | 85.5244% | 199 |
| Net loans and leases to deposits | 102.0995% | 464 |
| Net loans and leases to core deposits | 114.8328% | 639 |
| Total domestic deposits to total assets | 83.7658% | 2,925 |
| Equity capital to assets | 10.4760% | 3,472 |
| Core capital (leverage) ratio | 10.4666% | 2,986 |
| Tier 1 risk-based capital ratio | 12.4585% | 4,097 |
| Total risk-based capital ratio | 13.1587% | 4,286 |
| Memoranda: | ||
| Average total assets | $966,227,000 | 807 |
| Average earning assets | $908,960,000 | 797 |
| Average equity | $101,536,000 | 891 |
| Average total loans | $827,380,200 | 692 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 1,971 |
| Cost of funding earning assets | 0.8667% | 2,381 |
| Net interest margin | 3.9835% | 2,004 |
| Noninterest income to average assets | 0.8470% | 1,286 |
| Noninterest expense to average assets | 2.7423% | 2,734 |
| Loan and lease loss provision to assets | 0.1263% | 1,539 |
| Net operating income to assets | 1.3733% | 1,560 |
| Return on assets (ROA) | 1.3789% | 1,610 |
| Pretax return on assets | 1.7310% | 1,245 |
| Return on Equity (ROE) | 13.1110% | 1,237 |
| Retained earnings to average equity (ytd only) | 13.1110% | 269 |
| Net charge-offs to loans | -0.0043% | 4,165 |
| Credit loss provision to net charge-offs | -3,457.6923% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6776% | 3,838 |
| Assets per employee ($millions) | 5.4285% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6431% | 4,745 |
| Loan loss allowance to noncurrent loans | 587.7307% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 4,243 |
| Noncurrent loans to loans | 0.1094% | 4,155 |
| Net loans and leases to total assets | 85.5871% | 216 |
| Net loans and leases to deposits | 103.9550% | 419 |
| Net loans and leases to core deposits | 115.8948% | 661 |
| Total domestic deposits to total assets | 82.3309% | 3,378 |
| Equity capital to assets | 10.8054% | 3,289 |
| Core capital (leverage) ratio | 10.4143% | 3,179 |
| Tier 1 risk-based capital ratio | 12.7545% | 3,987 |
| Total risk-based capital ratio | 13.4414% | 4,200 |
| Memoranda: | ||
| Average total assets | $949,310,000 | 826 |
| Average earning assets | $892,584,000 | 807 |
| Average equity | $99,842,250 | 903 |
| Average total loans | $811,713,750 | 707 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,197 |
| Cost of funding earning assets | 0.8683% | 2,307 |
| Net interest margin | 3.8898% | 2,270 |
| Noninterest income to average assets | 0.7953% | 1,366 |
| Noninterest expense to average assets | 2.7290% | 2,816 |
| Loan and lease loss provision to assets | 0.1015% | 1,845 |
| Net operating income to assets | 1.2980% | 1,778 |
| Return on assets (ROA) | 1.3038% | 1,818 |
| Pretax return on assets | 1.6359% | 1,438 |
| Return on Equity (ROE) | 12.5152% | 1,405 |
| Retained earnings to average equity (ytd only) | 12.5152% | 349 |
| Net charge-offs to loans | -0.0122% | 4,386 |
| Credit loss provision to net charge-offs | -973.4694% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1221% | 3,709 |
| Assets per employee ($millions) | 5.3004% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6112% | 4,855 |
| Loan loss allowance to noncurrent loans | 457.4818% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,184 |
| Noncurrent loans to loans | 0.1336% | 4,076 |
| Net loans and leases to total assets | 85.9325% | 220 |
| Net loans and leases to deposits | 102.3730% | 516 |
| Net loans and leases to core deposits | 116.5548% | 661 |
| Total domestic deposits to total assets | 83.9405% | 2,892 |
| Equity capital to assets | 10.6964% | 3,346 |
| Core capital (leverage) ratio | 10.2821% | 3,304 |
| Tier 1 risk-based capital ratio | 12.4722% | 4,140 |
| Total risk-based capital ratio | 13.1187% | 4,371 |
| Memoranda: | ||
| Average total assets | $940,037,000 | 826 |
| Average earning assets | $885,454,330 | 811 |
| Average equity | $97,928,670 | 910 |
| Average total loans | $801,715,330 | 717 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 2,071 |
| Cost of funding earning assets | 0.8510% | 2,267 |
| Net interest margin | 3.8919% | 2,218 |
| Noninterest income to average assets | 0.6438% | 1,840 |
| Noninterest expense to average assets | 2.7369% | 2,785 |
| Loan and lease loss provision to assets | 0.0911% | 1,894 |
| Net operating income to assets | 1.1790% | 2,131 |
| Return on assets (ROA) | 1.1838% | 2,165 |
| Pretax return on assets | 1.4839% | 1,826 |
| Return on Equity (ROE) | 11.5194% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.5194% | 700 |
| Net charge-offs to loans | -0.0222% | 4,527 |
| Credit loss provision to net charge-offs | -484.0909% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4404% | 3,464 |
| Assets per employee ($millions) | 5.1086% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,964 |
| Loan loss allowance to noncurrent loans | 400.4219% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,170 |
| Noncurrent loans to loans | 0.1460% | 4,077 |
| Net loans and leases to total assets | 85.3839% | 244 |
| Net loans and leases to deposits | 101.6091% | 518 |
| Net loans and leases to core deposits | 120.5242% | 514 |
| Total domestic deposits to total assets | 84.0318% | 3,036 |
| Equity capital to assets | 10.3421% | 3,484 |
| Core capital (leverage) ratio | 10.0504% | 3,546 |
| Tier 1 risk-based capital ratio | 12.2290% | 4,334 |
| Total risk-based capital ratio | 12.8510% | 4,569 |
| Memoranda: | ||
| Average total assets | $935,669,000 | 833 |
| Average earning assets | $880,395,500 | 822 |
| Average equity | $96,150,500 | 920 |
| Average total loans | $792,414,000 | 726 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 2,183 |
| Cost of funding earning assets | 0.6280% | 2,538 |
| Net interest margin | 3.9536% | 2,147 |
| Noninterest income to average assets | 0.9769% | 990 |
| Noninterest expense to average assets | 2.9297% | 2,243 |
| Loan and lease loss provision to assets | 0.1244% | 1,772 |
| Net operating income to assets | 1.3102% | 1,755 |
| Return on assets (ROA) | 1.3070% | 1,752 |
| Pretax return on assets | 1.6109% | 1,436 |
| Return on Equity (ROE) | 14.3211% | 973 |
| Retained earnings to average equity (ytd only) | 12.3872% | 289 |
| Net charge-offs to loans | 0.0240% | 2,927 |
| Credit loss provision to net charge-offs | 614.5349% | 564 |
| Earnings coverage of net charge-offs (x) | 85.9419% | 820 |
| Efficiency ratio | 61.3855% | 3,643 |
| Assets per employee ($millions) | 5.0893% | 2,395 |
| Cash dividends to net income (ytd only)* | 13.5038% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 5,006 |
| Loan loss allowance to noncurrent loans | 406.8903% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,211 |
| Noncurrent loans to loans | 0.1425% | 4,104 |
| Net loans and leases to total assets | 83.0923% | 510 |
| Net loans and leases to deposits | 100.1644% | 730 |
| Net loans and leases to core deposits | 117.5545% | 632 |
| Total domestic deposits to total assets | 82.9559% | 3,341 |
| Equity capital to assets | 10.2088% | 3,459 |
| Core capital (leverage) ratio | 9.9045% | 3,692 |
| Tier 1 risk-based capital ratio | 12.1530% | 4,323 |
| Total risk-based capital ratio | 12.7562% | 4,626 |
| Memoranda: | ||
| Average total assets | $849,916,000 | 896 |
| Average earning assets | $793,685,000 | 889 |
| Average equity | $77,563,800 | 1,059 |
| Average total loans | $716,494,200 | 769 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 2,127 |
| Cost of funding earning assets | 0.5619% | 2,773 |
| Net interest margin | 3.9868% | 1,993 |
| Noninterest income to average assets | 1.0540% | 855 |
| Noninterest expense to average assets | 2.9056% | 2,287 |
| Loan and lease loss provision to assets | 0.1231% | 1,637 |
| Net operating income to assets | 1.4194% | 1,417 |
| Return on assets (ROA) | 1.4194% | 1,419 |
| Pretax return on assets | 1.7426% | 1,169 |
| Return on Equity (ROE) | 16.0854% | 683 |
| Retained earnings to average equity (ytd only) | 13.3576% | 318 |
| Net charge-offs to loans | 0.0425% | 2,243 |
| Credit loss provision to net charge-offs | 342.4107% | 918 |
| Earnings coverage of net charge-offs (x) | 51.9017% | 1,149 |
| Efficiency ratio | 59.5318% | 3,878 |
| Assets per employee ($millions) | 5.0846% | 2,358 |
| Cash dividends to net income (ytd only)* | 16.9587% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 5,098 |
| Loan loss allowance to noncurrent loans | 629.1351% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,533 |
| Noncurrent loans to loans | 0.0902% | 4,482 |
| Net loans and leases to total assets | 79.7872% | 1,053 |
| Net loans and leases to deposits | 94.7169% | 1,298 |
| Net loans and leases to core deposits | 110.8389% | 985 |
| Total domestic deposits to total assets | 84.2376% | 2,867 |
| Equity capital to assets | 8.4608% | 4,950 |
| Core capital (leverage) ratio | 8.4803% | 5,104 |
| Tier 1 risk-based capital ratio | 10.2220% | 5,324 |
| Total risk-based capital ratio | 10.8023% | 5,412 |
| Memoranda: | ||
| Average total assets | $830,832,500 | 916 |
| Average earning assets | $774,672,500 | 903 |
| Average equity | $73,315,000 | 1,111 |
| Average total loans | $702,085,250 | 785 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,867 |
| Cost of funding earning assets | 0.4956% | 3,030 |
| Net interest margin | 4.0767% | 1,624 |
| Noninterest income to average assets | 0.9480% | 1,058 |
| Noninterest expense to average assets | 3.0152% | 2,002 |
| Loan and lease loss provision to assets | 0.1432% | 1,350 |
| Net operating income to assets | 1.2631% | 1,926 |
| Return on assets (ROA) | 1.2631% | 1,926 |
| Pretax return on assets | 1.5835% | 1,554 |
| Return on Equity (ROE) | 14.0945% | 1,052 |
| Retained earnings to average equity (ytd only) | 11.3200% | 613 |
| Net charge-offs to loans | 0.0422% | 2,021 |
| Credit loss provision to net charge-offs | 394.5205% | 834 |
| Earnings coverage of net charge-offs (x) | 47.5685% | 1,160 |
| Efficiency ratio | 62.1697% | 3,600 |
| Assets per employee ($millions) | 4.7287% | 2,780 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 5,170 |
| Loan loss allowance to noncurrent loans | 411.1111% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,365 |
| Noncurrent loans to loans | 0.1377% | 4,287 |
| Net loans and leases to total assets | 84.1460% | 447 |
| Net loans and leases to deposits | 100.8940% | 746 |
| Net loans and leases to core deposits | 111.4388% | 912 |
| Total domestic deposits to total assets | 83.4004% | 3,283 |
| Equity capital to assets | 8.7823% | 4,734 |
| Core capital (leverage) ratio | 8.7001% | 4,959 |
| Tier 1 risk-based capital ratio | 10.1106% | 5,401 |
| Total risk-based capital ratio | 10.6960% | 5,485 |
| Memoranda: | ||
| Average total assets | $804,395,670 | 950 |
| Average earning assets | $748,590,000 | 938 |
| Average equity | $72,085,000 | 1,127 |
| Average total loans | $692,672,330 | 794 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,641 |
| Cost of funding earning assets | 0.4582% | 3,144 |
| Net interest margin | 4.1182% | 1,392 |
| Noninterest income to average assets | 0.9179% | 1,101 |
| Noninterest expense to average assets | 3.1486% | 1,694 |
| Loan and lease loss provision to assets | 0.1400% | 1,348 |
| Net operating income to assets | 1.1714% | 2,126 |
| Return on assets (ROA) | 1.1714% | 2,138 |
| Pretax return on assets | 1.4677% | 1,774 |
| Return on Equity (ROE) | 12.9331% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.9331% | 532 |
| Net charge-offs to loans | 0.0896% | 1,267 |
| Credit loss provision to net charge-offs | 179.7386% | 1,117 |
| Earnings coverage of net charge-offs (x) | 20.6405% | 1,459 |
| Efficiency ratio | 64.7544% | 3,364 |
| Assets per employee ($millions) | 4.5155% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 5,278 |
| Loan loss allowance to noncurrent loans | 558.4708% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,610 |
| Noncurrent loans to loans | 0.0965% | 4,542 |
| Net loans and leases to total assets | 86.9892% | 193 |
| Net loans and leases to deposits | 100.5399% | 671 |
| Net loans and leases to core deposits | 110.5631% | 964 |
| Total domestic deposits to total assets | 86.5221% | 2,305 |
| Equity capital to assets | 9.1358% | 4,429 |
| Core capital (leverage) ratio | 8.6469% | 5,023 |
| Tier 1 risk-based capital ratio | 10.0567% | 5,490 |
| Total risk-based capital ratio | 10.6092% | 5,556 |
| Memoranda: | ||
| Average total assets | $785,737,500 | 973 |
| Average earning assets | $732,353,000 | 964 |
| Average equity | $71,166,500 | 1,149 |
| Average total loans | $682,858,500 | 807 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 1,678 |
| Cost of funding earning assets | 0.3665% | 3,549 |
| Net interest margin | 4.1420% | 1,319 |
| Noninterest income to average assets | 1.2074% | 716 |
| Noninterest expense to average assets | 3.1037% | 1,849 |
| Loan and lease loss provision to assets | 0.0822% | 2,556 |
| Net operating income to assets | 1.2306% | 1,424 |
| Return on assets (ROA) | 1.2306% | 1,441 |
| Pretax return on assets | 1.7581% | 879 |
| Return on Equity (ROE) | 13.9118% | 773 |
| Retained earnings to average equity (ytd only) | 9.4128% | 440 |
| Net charge-offs to loans | -0.0240% | 5,004 |
| Credit loss provision to net charge-offs | -425.8741% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0538% | 4,106 |
| Assets per employee ($millions) | 4.8313% | 2,696 |
| Cash dividends to net income (ytd only)* | 32.3394% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 5,350 |
| Loan loss allowance to noncurrent loans | 597.5124% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,679 |
| Noncurrent loans to loans | 0.0894% | 4,597 |
| Net loans and leases to total assets | 85.7311% | 277 |
| Net loans and leases to deposits | 99.6741% | 753 |
| Net loans and leases to core deposits | 108.8548% | 1,070 |
| Total domestic deposits to total assets | 86.0114% | 2,431 |
| Equity capital to assets | 8.9013% | 4,815 |
| Core capital (leverage) ratio | 8.3775% | 5,235 |
| Tier 1 risk-based capital ratio | 9.6605% | 5,584 |
| Total risk-based capital ratio | 10.2045% | 5,628 |
| Memoranda: | ||
| Average total assets | $741,275,800 | 995 |
| Average earning assets | $668,704,200 | 1,014 |
| Average equity | $65,570,200 | 1,219 |
| Average total loans | $595,761,000 | 869 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,165 |
| Cost of funding earning assets | 0.3452% | 3,721 |
| Net interest margin | 3.9877% | 1,745 |
| Noninterest income to average assets | 1.3024% | 630 |
| Noninterest expense to average assets | 3.0056% | 2,093 |
| Loan and lease loss provision to assets | 0.0476% | 3,150 |
| Net operating income to assets | 1.2955% | 1,354 |
| Return on assets (ROA) | 1.2955% | 1,386 |
| Pretax return on assets | 1.8187% | 846 |
| Return on Equity (ROE) | 14.6704% | 708 |
| Retained earnings to average equity (ytd only) | 8.9898% | 844 |
| Net charge-offs to loans | -0.0292% | 4,989 |
| Credit loss provision to net charge-offs | -207.1429% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9184% | 4,233 |
| Assets per employee ($millions) | 5.5245% | 1,901 |
| Cash dividends to net income (ytd only)* | 38.7215% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 5,448 |
| Loan loss allowance to noncurrent loans | 261.6317% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 4,349 |
| Noncurrent loans to loans | 0.1955% | 4,301 |
| Net loans and leases to total assets | 83.2573% | 518 |
| Net loans and leases to deposits | 100.5972% | 706 |
| Net loans and leases to core deposits | 105.1964% | 1,320 |
| Total domestic deposits to total assets | 82.7630% | 3,533 |
| Equity capital to assets | 8.9932% | 4,920 |
| Core capital (leverage) ratio | 8.6194% | 5,136 |
| Tier 1 risk-based capital ratio | 9.6985% | 5,653 |
| Total risk-based capital ratio | 10.2064% | 5,702 |
| Memoranda: | ||
| Average total assets | $730,926,500 | 1,011 |
| Average earning assets | $654,254,250 | 1,035 |
| Average equity | $64,545,750 | 1,236 |
| Average total loans | $576,052,000 | 891 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 2,177 |
| Cost of funding earning assets | 0.3370% | 3,724 |
| Net interest margin | 3.9499% | 1,776 |
| Noninterest income to average assets | 1.0169% | 982 |
| Noninterest expense to average assets | 3.0064% | 2,091 |
| Loan and lease loss provision to assets | 0.0347% | 3,298 |
| Net operating income to assets | 1.0000% | 2,426 |
| Return on assets (ROA) | 1.0000% | 2,467 |
| Pretax return on assets | 1.4724% | 1,750 |
| Return on Equity (ROE) | 11.3835% | 1,502 |
| Retained earnings to average equity (ytd only) | 2.7047% | 4,083 |
| Net charge-offs to loans | -0.0330% | 5,001 |
| Credit loss provision to net charge-offs | -135.8696% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6093% | 3,245 |
| Assets per employee ($millions) | 4.2720% | 3,484 |
| Cash dividends to net income (ytd only)* | 76.2406% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 5,492 |
| Loan loss allowance to noncurrent loans | 169.3319% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 4,041 |
| Noncurrent loans to loans | 0.3062% | 3,943 |
| Net loans and leases to total assets | 81.2205% | 786 |
| Net loans and leases to deposits | 96.4464% | 1,036 |
| Net loans and leases to core deposits | 99.4632% | 1,686 |
| Total domestic deposits to total assets | 84.2131% | 3,120 |
| Equity capital to assets | 8.8420% | 5,040 |
| Core capital (leverage) ratio | 8.4249% | 5,266 |
| Tier 1 risk-based capital ratio | 10.4831% | 5,464 |
| Total risk-based capital ratio | 11.0292% | 5,644 |
| Memoranda: | ||
| Average total assets | $721,405,670 | 1,031 |
| Average earning assets | $638,594,000 | 1,060 |
| Average equity | $63,372,330 | 1,255 |
| Average total loans | $556,943,000 | 926 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 2,516 |
| Cost of funding earning assets | 0.3569% | 3,456 |
| Net interest margin | 3.7828% | 2,178 |
| Noninterest income to average assets | 0.7812% | 1,619 |
| Noninterest expense to average assets | 2.8614% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8080% | 3,191 |
| Return on assets (ROA) | 0.8080% | 3,248 |
| Pretax return on assets | 1.1963% | 2,613 |
| Return on Equity (ROE) | 9.2284% | 2,304 |
| Retained earnings to average equity (ytd only) | -9.8913% | 5,577 |
| Net charge-offs to loans | -0.0201% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5171% | 2,811 |
| Assets per employee ($millions) | 4.2479% | 3,591 |
| Cash dividends to net income (ytd only)* | 207.1823% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5186% | 5,581 |
| Loan loss allowance to noncurrent loans | 145.4499% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 4,012 |
| Noncurrent loans to loans | 0.3565% | 3,812 |
| Net loans and leases to total assets | 75.5357% | 1,493 |
| Net loans and leases to deposits | 87.1899% | 1,893 |
| Net loans and leases to core deposits | 89.6406% | 2,384 |
| Total domestic deposits to total assets | 86.6336% | 2,378 |
| Equity capital to assets | 8.4901% | 5,248 |
| Core capital (leverage) ratio | 7.7028% | 5,661 |
| Tier 1 risk-based capital ratio | 10.0060% | 5,695 |
| Total risk-based capital ratio | 10.5303% | 5,786 |
| Memoranda: | ||
| Average total assets | $716,853,500 | 1,036 |
| Average earning assets | $620,914,500 | 1,088 |
| Average equity | $62,762,500 | 1,266 |
| Average total loans | $537,206,500 | 955 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 2,868 |
| Cost of funding earning assets | 0.4035% | 2,969 |
| Net interest margin | 3.6914% | 2,733 |
| Noninterest income to average assets | 1.3537% | 626 |
| Noninterest expense to average assets | 3.1406% | 1,921 |
| Loan and lease loss provision to assets | -0.1747% | 5,763 |
| Net operating income to assets | 1.0812% | 1,981 |
| Return on assets (ROA) | 1.0812% | 2,079 |
| Pretax return on assets | 1.6498% | 1,134 |
| Return on Equity (ROE) | 11.5271% | 1,391 |
| Retained earnings to average equity (ytd only) | 11.5271% | 254 |
| Net charge-offs to loans | -0.0588% | 5,437 |
| Credit loss provision to net charge-offs | 364.3725% | 851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0419% | 3,221 |
| Assets per employee ($millions) | 5.7649% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 5,604 |
| Loan loss allowance to noncurrent loans | 139.4132% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,980 |
| Noncurrent loans to loans | 0.3926% | 3,739 |
| Net loans and leases to total assets | 73.6623% | 1,905 |
| Net loans and leases to deposits | 85.8372% | 2,196 |
| Net loans and leases to core deposits | 92.0198% | 2,302 |
| Total domestic deposits to total assets | 85.8162% | 2,673 |
| Equity capital to assets | 9.0276% | 4,785 |
| Core capital (leverage) ratio | 11.7961% | 1,726 |
| Tier 1 risk-based capital ratio | 11.0263% | 5,333 |
| Total risk-based capital ratio | 11.5557% | 5,598 |
| Memoranda: | ||
| Average total assets | $515,164,400 | 1,332 |
| Average earning assets | $455,218,800 | 1,406 |
| Average equity | $48,320,800 | 1,570 |
| Average total loans | $419,872,600 | 1,162 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,064 |
| Cost of funding earning assets | 0.4329% | 2,704 |
| Net interest margin | 3.9006% | 1,979 |
| Noninterest income to average assets | 1.4677% | 555 |
| Noninterest expense to average assets | 3.3822% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0453% | 2,218 |
| Return on assets (ROA) | 1.0453% | 2,346 |
| Pretax return on assets | 1.5961% | 1,387 |
| Return on Equity (ROE) | 10.9891% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.9891% | 432 |
| Net charge-offs to loans | -0.0473% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9387% | 3,234 |
| Assets per employee ($millions) | 4.0313% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,261 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 82.0157% | 618 |
| Net loans and leases to deposits | 97.7849% | 877 |
| Net loans and leases to core deposits | 105.4761% | 1,237 |
| Total domestic deposits to total assets | 83.8736% | 3,250 |
| Equity capital to assets | 9.2795% | 4,886 |
| Core capital (leverage) ratio | 9.5163% | 4,158 |
| Tier 1 risk-based capital ratio | 11.3891% | 5,164 |
| Total risk-based capital ratio | 12.2910% | 5,262 |
| Memoranda: | ||
| Average total assets | $468,126,000 | 1,463 |
| Average earning assets | $421,321,500 | 1,498 |
| Average equity | $44,527,750 | 1,680 |
| Average total loans | $394,608,000 | 1,210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 1,799 |
| Cost of funding earning assets | 0.4412% | 2,649 |
| Net interest margin | 3.9684% | 1,745 |
| Noninterest income to average assets | 1.3931% | 593 |
| Noninterest expense to average assets | 3.4445% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9857% | 2,449 |
| Return on assets (ROA) | 0.9857% | 2,593 |
| Pretax return on assets | 1.5032% | 1,663 |
| Return on Equity (ROE) | 10.2714% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.2714% | 545 |
| Net charge-offs to loans | -0.0381% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6175% | 3,041 |
| Assets per employee ($millions) | 3.7848% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,950 |
| Loan loss allowance to noncurrent loans | 5,680.9524% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 5,124 |
| Noncurrent loans to loans | 0.0159% | 5,420 |
| Net loans and leases to total assets | 83.0672% | 509 |
| Net loans and leases to deposits | 99.6632% | 719 |
| Net loans and leases to core deposits | 107.1799% | 1,084 |
| Total domestic deposits to total assets | 83.3479% | 3,525 |
| Equity capital to assets | 9.5298% | 4,737 |
| Core capital (leverage) ratio | 9.7929% | 3,823 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,234 |
| Total risk-based capital ratio | 12.2823% | 5,327 |
| Memoranda: | ||
| Average total assets | $457,542,670 | 1,499 |
| Average earning assets | $409,834,670 | 1,534 |
| Average equity | $43,908,330 | 1,703 |
| Average total loans | $388,270,000 | 1,230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,612 |
| Cost of funding earning assets | 0.4439% | 2,648 |
| Net interest margin | 4.0206% | 1,554 |
| Noninterest income to average assets | 1.3989% | 569 |
| Noninterest expense to average assets | 3.5592% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9605% | 2,457 |
| Return on assets (ROA) | 0.9605% | 2,576 |
| Pretax return on assets | 1.4648% | 1,701 |
| Return on Equity (ROE) | 9.9723% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.9723% | 848 |
| Net charge-offs to loans | -0.0594% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8444% | 2,978 |
| Assets per employee ($millions) | 3.7611% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,986 |
| Loan loss allowance to noncurrent loans | 1,656.7442% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 4,951 |
| Noncurrent loans to loans | 0.0556% | 5,263 |
| Net loans and leases to total assets | 84.1864% | 353 |
| Net loans and leases to deposits | 101.4616% | 533 |
| Net loans and leases to core deposits | 108.5632% | 942 |
| Total domestic deposits to total assets | 82.9737% | 3,906 |
| Equity capital to assets | 9.6460% | 4,507 |
| Core capital (leverage) ratio | 9.7550% | 3,838 |
| Tier 1 risk-based capital ratio | 11.5286% | 5,224 |
| Total risk-based capital ratio | 12.4703% | 5,292 |
| Memoranda: | ||
| Average total assets | $449,767,000 | 1,527 |
| Average earning assets | $405,514,500 | 1,546 |
| Average equity | $43,320,000 | 1,718 |
| Average total loans | $384,122,500 | 1,237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,620 |
| Cost of funding earning assets | 0.4614% | 2,525 |
| Net interest margin | 4.0321% | 1,615 |
| Noninterest income to average assets | 1.5303% | 534 |
| Noninterest expense to average assets | 3.5197% | 1,259 |
| Loan and lease loss provision to assets | -0.2388% | 6,023 |
| Net operating income to assets | 1.1974% | 1,559 |
| Return on assets (ROA) | 1.1974% | 1,631 |
| Pretax return on assets | 1.8173% | 780 |
| Return on Equity (ROE) | 12.5357% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.5357% | 227 |
| Net charge-offs to loans | -0.0286% | 5,379 |
| Credit loss provision to net charge-offs | 1,010.1010% | 330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0380% | 3,395 |
| Assets per employee ($millions) | 3.5556% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 5,015 |
| Loan loss allowance to noncurrent loans | 1,058.9124% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 4,951 |
| Noncurrent loans to loans | 0.0867% | 5,149 |
| Net loans and leases to total assets | 85.0622% | 305 |
| Net loans and leases to deposits | 100.0325% | 671 |
| Net loans and leases to core deposits | 107.2901% | 1,021 |
| Total domestic deposits to total assets | 85.0346% | 3,075 |
| Equity capital to assets | 9.6170% | 4,417 |
| Core capital (leverage) ratio | 9.9035% | 3,638 |
| Tier 1 risk-based capital ratio | 11.0041% | 5,521 |
| Total risk-based capital ratio | 11.9098% | 5,613 |
| Memoranda: | ||
| Average total assets | $418,813,800 | 1,580 |
| Average earning assets | $370,598,000 | 1,638 |
| Average equity | $40,005,800 | 1,801 |
| Average total loans | $346,149,000 | 1,301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,656 |
| Cost of funding earning assets | 0.4654% | 2,532 |
| Net interest margin | 4.0160% | 1,649 |
| Noninterest income to average assets | 1.6000% | 494 |
| Noninterest expense to average assets | 3.5796% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0155% | 2,390 |
| Return on assets (ROA) | 1.0155% | 2,491 |
| Pretax return on assets | 1.5463% | 1,551 |
| Return on Equity (ROE) | 10.6503% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.6503% | 528 |
| Net charge-offs to loans | -0.0130% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8329% | 3,236 |
| Assets per employee ($millions) | 3.4703% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,435 |
| Loan loss allowance to noncurrent loans | 1,177.4536% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 4,820 |
| Noncurrent loans to loans | 0.1053% | 5,218 |
| Net loans and leases to total assets | 81.5328% | 634 |
| Net loans and leases to deposits | 95.6445% | 1,042 |
| Net loans and leases to core deposits | 101.0924% | 1,437 |
| Total domestic deposits to total assets | 85.2457% | 2,911 |
| Equity capital to assets | 9.4335% | 4,840 |
| Core capital (leverage) ratio | 9.4210% | 4,397 |
| Tier 1 risk-based capital ratio | 10.7172% | 5,793 |
| Total risk-based capital ratio | 11.9183% | 5,743 |
| Memoranda: | ||
| Average total assets | $412,406,250 | 1,608 |
| Average earning assets | $362,078,500 | 1,686 |
| Average equity | $39,321,750 | 1,839 |
| Average total loans | $337,296,500 | 1,331 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 1,665 |
| Cost of funding earning assets | 0.4695% | 2,522 |
| Net interest margin | 3.9890% | 1,669 |
| Noninterest income to average assets | 1.6907% | 472 |
| Noninterest expense to average assets | 3.6582% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0072% | 2,354 |
| Return on assets (ROA) | 1.0072% | 2,462 |
| Pretax return on assets | 1.5377% | 1,535 |
| Return on Equity (ROE) | 10.5237% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.5237% | 578 |
| Net charge-offs to loans | 0.0442% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 42.6849% | 1,081 |
| Efficiency ratio | 70.4055% | 3,272 |
| Assets per employee ($millions) | 3.3790% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,454 |
| Loan loss allowance to noncurrent loans | 1,113.8817% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,882 |
| Noncurrent loans to loans | 0.1132% | 5,304 |
| Net loans and leases to total assets | 81.6769% | 586 |
| Net loans and leases to deposits | 96.2655% | 940 |
| Net loans and leases to core deposits | 102.0012% | 1,327 |
| Total domestic deposits to total assets | 84.8454% | 3,193 |
| Equity capital to assets | 9.5832% | 4,556 |
| Core capital (leverage) ratio | 9.5260% | 4,249 |
| Tier 1 risk-based capital ratio | 10.8272% | 5,791 |
| Total risk-based capital ratio | 12.0462% | 5,743 |
| Memoranda: | ||
| Average total assets | $405,279,670 | 1,649 |
| Average earning assets | $356,126,000 | 1,719 |
| Average equity | $38,788,670 | 1,874 |
| Average total loans | $330,356,330 | 1,355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,489 |
| Cost of funding earning assets | 0.4751% | 2,503 |
| Net interest margin | 4.0167% | 1,503 |
| Noninterest income to average assets | 1.6562% | 463 |
| Noninterest expense to average assets | 3.7112% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9485% | 2,520 |
| Return on assets (ROA) | 0.9485% | 2,654 |
| Pretax return on assets | 1.4603% | 1,698 |
| Return on Equity (ROE) | 10.2270% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.2270% | 869 |
| Net charge-offs to loans | -0.0581% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7627% | 3,209 |
| Assets per employee ($millions) | 3.3557% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,147.6804% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 3,967 |
| Noncurrent loans to loans | 0.1185% | 5,347 |
| Net loans and leases to total assets | 78.8622% | 818 |
| Net loans and leases to deposits | 93.2186% | 1,066 |
| Net loans and leases to core deposits | 99.2664% | 1,374 |
| Total domestic deposits to total assets | 84.5992% | 3,580 |
| Equity capital to assets | 9.1789% | 5,115 |
| Core capital (leverage) ratio | 9.0963% | 4,847 |
| Tier 1 risk-based capital ratio | 10.4236% | 6,039 |
| Total risk-based capital ratio | 11.6762% | 5,992 |
| Memoranda: | ||
| Average total assets | $400,197,500 | 1,673 |
| Average earning assets | $350,237,000 | 1,755 |
| Average equity | $37,117,500 | 1,960 |
| Average total loans | $323,639,000 | 1,385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,534 |
| Cost of funding earning assets | 0.4050% | 3,642 |
| Net interest margin | 4.2035% | 1,291 |
| Noninterest income to average assets | 1.6073% | 487 |
| Noninterest expense to average assets | 3.9226% | 833 |
| Loan and lease loss provision to assets | -0.1263% | 6,193 |
| Net operating income to assets | 1.0207% | 2,297 |
| Return on assets (ROA) | 1.0207% | 2,371 |
| Pretax return on assets | 1.5624% | 1,347 |
| Return on Equity (ROE) | 10.5452% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.5452% | 436 |
| Net charge-offs to loans | 0.0152% | 4,574 |
| Credit loss provision to net charge-offs | -1,022.7273% | 5,910 |
| Earnings coverage of net charge-offs (x) | 116.2955% | 455 |
| Efficiency ratio | 73.2010% | 2,983 |
| Assets per employee ($millions) | 3.0787% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 3,061 |
| Loan loss allowance to noncurrent loans | 2,356.1497% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 3,524 |
| Noncurrent loans to loans | 0.0584% | 5,646 |
| Net loans and leases to total assets | 80.7062% | 646 |
| Net loans and leases to deposits | 95.7970% | 913 |
| Net loans and leases to core deposits | 101.8846% | 1,252 |
| Total domestic deposits to total assets | 84.2471% | 3,610 |
| Equity capital to assets | 9.3752% | 4,884 |
| Core capital (leverage) ratio | 9.5280% | 4,201 |
| Tier 1 risk-based capital ratio | 11.4348% | 5,693 |
| Total risk-based capital ratio | 12.6890% | 5,614 |
| Memoranda: | ||
| Average total assets | $356,322,000 | 1,830 |
| Average earning assets | $317,997,800 | 1,884 |
| Average equity | $34,489,600 | 2,022 |
| Average total loans | $288,894,600 | 1,480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 1,589 |
| Cost of funding earning assets | 0.3787% | 4,033 |
| Net interest margin | 4.2121% | 1,251 |
| Noninterest income to average assets | 1.6042% | 499 |
| Noninterest expense to average assets | 3.9571% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9250% | 2,797 |
| Return on assets (ROA) | 0.9250% | 2,890 |
| Pretax return on assets | 1.4136% | 1,955 |
| Return on Equity (ROE) | 9.4731% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.4731% | 850 |
| Net charge-offs to loans | 0.0560% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.2371% | 1,336 |
| Efficiency ratio | 73.6789% | 2,871 |
| Assets per employee ($millions) | 2.9427% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,382 |
| Loan loss allowance to noncurrent loans | 714.7982% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 3,224 |
| Noncurrent loans to loans | 0.2207% | 5,238 |
| Net loans and leases to total assets | 80.4583% | 666 |
| Net loans and leases to deposits | 92.7534% | 1,157 |
| Net loans and leases to core deposits | 99.4112% | 1,424 |
| Total domestic deposits to total assets | 86.7443% | 2,453 |
| Equity capital to assets | 9.5232% | 4,774 |
| Core capital (leverage) ratio | 9.4398% | 4,451 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,852 |
| Total risk-based capital ratio | 12.6189% | 5,786 |
| Memoranda: | ||
| Average total assets | $347,652,250 | 1,880 |
| Average earning assets | $310,877,750 | 1,942 |
| Average equity | $33,947,750 | 2,051 |
| Average total loans | $281,126,250 | 1,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,520 |
| Cost of funding earning assets | 0.3647% | 4,261 |
| Net interest margin | 4.2402% | 1,151 |
| Noninterest income to average assets | 1.6526% | 471 |
| Noninterest expense to average assets | 4.1195% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8643% | 2,987 |
| Return on assets (ROA) | 0.8643% | 3,082 |
| Pretax return on assets | 1.3226% | 2,177 |
| Return on Equity (ROE) | 8.7718% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.7718% | 1,057 |
| Net charge-offs to loans | 0.0511% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.1143% | 1,201 |
| Efficiency ratio | 75.6973% | 2,690 |
| Assets per employee ($millions) | 2.8463% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 2,136 |
| Loan loss allowance to noncurrent loans | 345.9885% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 3,173 |
| Noncurrent loans to loans | 0.4910% | 4,523 |
| Net loans and leases to total assets | 80.4802% | 629 |
| Net loans and leases to deposits | 93.3507% | 1,021 |
| Net loans and leases to core deposits | 98.9050% | 1,377 |
| Total domestic deposits to total assets | 86.2128% | 2,924 |
| Equity capital to assets | 9.9115% | 4,233 |
| Core capital (leverage) ratio | 9.6976% | 4,050 |
| Tier 1 risk-based capital ratio | 11.6663% | 5,710 |
| Total risk-based capital ratio | 12.9238% | 5,656 |
| Memoranda: | ||
| Average total assets | $339,944,000 | 1,917 |
| Average earning assets | $303,806,330 | 1,988 |
| Average equity | $33,493,670 | 2,069 |
| Average total loans | $273,800,670 | 1,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,517 |
| Cost of funding earning assets | 0.3542% | 4,499 |
| Net interest margin | 4.2419% | 1,115 |
| Noninterest income to average assets | 1.4523% | 558 |
| Noninterest expense to average assets | 4.0512% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7708% | 3,304 |
| Return on assets (ROA) | 0.7708% | 3,386 |
| Pretax return on assets | 1.1763% | 2,582 |
| Return on Equity (ROE) | 7.8469% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.8469% | 1,662 |
| Net charge-offs to loans | -0.0238% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4972% | 2,555 |
| Assets per employee ($millions) | 2.8257% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 2,053 |
| Loan loss allowance to noncurrent loans | 335.5631% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 2,983 |
| Noncurrent loans to loans | 0.5357% | 4,567 |
| Net loans and leases to total assets | 78.5530% | 705 |
| Net loans and leases to deposits | 90.8853% | 1,050 |
| Net loans and leases to core deposits | 95.7214% | 1,404 |
| Total domestic deposits to total assets | 86.4310% | 3,146 |
| Equity capital to assets | 9.7832% | 4,130 |
| Core capital (leverage) ratio | 9.7574% | 3,918 |
| Tier 1 risk-based capital ratio | 11.7715% | 5,780 |
| Total risk-based capital ratio | 13.0290% | 5,708 |
| Memoranda: | ||
| Average total assets | $336,294,500 | 1,949 |
| Average earning assets | $299,299,000 | 2,017 |
| Average equity | $33,032,000 | 2,085 |
| Average total loans | $268,555,000 | 1,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,802 |
| Cost of funding earning assets | 0.3551% | 5,089 |
| Net interest margin | 4.2644% | 1,187 |
| Noninterest income to average assets | 1.9671% | 400 |
| Noninterest expense to average assets | 4.3551% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1564% | 259 |
| Return on assets (ROA) | 2.1564% | 263 |
| Pretax return on assets | 1.2309% | 2,452 |
| Return on Equity (ROE) | 23.9467% | 148 |
| Retained earnings to average equity (ytd only) | 23.9467% | 53 |
| Net charge-offs to loans | 0.0184% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 92.4048% | 491 |
| Efficiency ratio | 77.9639% | 2,474 |
| Assets per employee ($millions) | 2.7105% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 1,900 |
| Loan loss allowance to noncurrent loans | 319.6347% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 2,923 |
| Noncurrent loans to loans | 0.5815% | 4,529 |
| Net loans and leases to total assets | 78.2370% | 796 |
| Net loans and leases to deposits | 90.7878% | 1,178 |
| Net loans and leases to core deposits | 92.6116% | 1,711 |
| Total domestic deposits to total assets | 86.1757% | 3,165 |
| Equity capital to assets | 9.8629% | 3,949 |
| Core capital (leverage) ratio | 10.0033% | 3,572 |
| Tier 1 risk-based capital ratio | 11.8319% | 5,716 |
| Total risk-based capital ratio | 13.0898% | 5,650 |
| Memoranda: | ||
| Average total assets | $315,287,600 | 2,039 |
| Average earning assets | $267,563,200 | 2,205 |
| Average equity | $28,392,200 | 2,347 |
| Average total loans | $228,859,600 | 1,793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,789 |
| Cost of funding earning assets | 0.3634% | 5,155 |
| Net interest margin | 4.2697% | 1,163 |
| Noninterest income to average assets | 2.0203% | 414 |
| Noninterest expense to average assets | 4.3967% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1824% | 1,692 |
| Return on assets (ROA) | 1.1824% | 1,761 |
| Pretax return on assets | 1.1944% | 2,723 |
| Return on Equity (ROE) | 13.4713% | 1,124 |
| Retained earnings to average equity (ytd only) | 13.4713% | 291 |
| Net charge-offs to loans | 0.0914% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.4767% | 1,677 |
| Efficiency ratio | 78.6371% | 2,319 |
| Assets per employee ($millions) | 2.5939% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 1,756 |
| Loan loss allowance to noncurrent loans | 229.6740% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 3,228 |
| Noncurrent loans to loans | 0.8645% | 4,092 |
| Net loans and leases to total assets | 74.7323% | 1,170 |
| Net loans and leases to deposits | 82.9935% | 1,999 |
| Net loans and leases to core deposits | 85.1412% | 2,523 |
| Total domestic deposits to total assets | 90.0460% | 970 |
| Equity capital to assets | 9.0360% | 5,146 |
| Core capital (leverage) ratio | 9.2134% | 4,817 |
| Tier 1 risk-based capital ratio | 11.6596% | 5,971 |
| Total risk-based capital ratio | 12.9180% | 5,927 |
| Memoranda: | ||
| Average total assets | $311,438,250 | 2,074 |
| Average earning assets | $260,466,750 | 2,250 |
| Average equity | $27,336,500 | 2,451 |
| Average total loans | $220,170,000 | 1,862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 1,913 |
| Cost of funding earning assets | 0.3777% | 5,164 |
| Net interest margin | 4.2016% | 1,269 |
| Noninterest income to average assets | 1.8730% | 489 |
| Noninterest expense to average assets | 4.3355% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9840% | 2,395 |
| Return on assets (ROA) | 0.9840% | 2,542 |
| Pretax return on assets | 0.9995% | 3,512 |
| Return on Equity (ROE) | 11.3237% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.3237% | 593 |
| Net charge-offs to loans | 0.2280% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.3704% | 2,729 |
| Efficiency ratio | 81.2659% | 1,996 |
| Assets per employee ($millions) | 2.5001% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 1,715 |
| Loan loss allowance to noncurrent loans | 204.6603% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 2,740 |
| Noncurrent loans to loans | 1.0071% | 3,921 |
| Net loans and leases to total assets | 73.2049% | 1,370 |
| Net loans and leases to deposits | 81.2857% | 2,145 |
| Net loans and leases to core deposits | 83.1291% | 2,681 |
| Total domestic deposits to total assets | 90.0587% | 993 |
| Equity capital to assets | 8.9898% | 5,232 |
| Core capital (leverage) ratio | 9.0159% | 4,956 |
| Tier 1 risk-based capital ratio | 11.7385% | 5,961 |
| Total risk-based capital ratio | 13.0027% | 5,913 |
| Memoranda: | ||
| Average total assets | $309,765,670 | 2,089 |
| Average earning assets | $255,235,000 | 2,303 |
| Average equity | $26,917,000 | 2,501 |
| Average total loans | $213,131,330 | 1,912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,933 |
| Cost of funding earning assets | 0.3956% | 5,149 |
| Net interest margin | 4.1703% | 1,278 |
| Noninterest income to average assets | 1.7607% | 519 |
| Noninterest expense to average assets | 4.2737% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7907% | 3,216 |
| Return on assets (ROA) | 0.7907% | 3,347 |
| Pretax return on assets | 0.8099% | 4,133 |
| Return on Equity (ROE) | 9.2554% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2554% | 1,303 |
| Net charge-offs to loans | 0.5056% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.4308% | 3,034 |
| Efficiency ratio | 84.0686% | 1,762 |
| Assets per employee ($millions) | 2.7018% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 1,581 |
| Loan loss allowance to noncurrent loans | 180.7024% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 2,550 |
| Noncurrent loans to loans | 1.2184% | 3,737 |
| Net loans and leases to total assets | 65.7897% | 2,410 |
| Net loans and leases to deposits | 72.6537% | 3,100 |
| Net loans and leases to core deposits | 75.0341% | 3,463 |
| Total domestic deposits to total assets | 90.5524% | 740 |
| Equity capital to assets | 8.5153% | 6,007 |
| Core capital (leverage) ratio | 8.7001% | 5,330 |
| Tier 1 risk-based capital ratio | 11.6737% | 6,099 |
| Total risk-based capital ratio | 12.9427% | 6,063 |
| Memoranda: | ||
| Average total assets | $312,143,000 | 2,102 |
| Average earning assets | $248,713,000 | 2,388 |
| Average equity | $26,665,500 | 2,550 |
| Average total loans | $205,706,000 | 1,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 2,689 |
| Cost of funding earning assets | 0.6017% | 4,337 |
| Net interest margin | 4.0725% | 2,113 |
| Noninterest income to average assets | 1.7215% | 550 |
| Noninterest expense to average assets | 4.6789% | 487 |
| Loan and lease loss provision to assets | -0.1693% | 6,966 |
| Net operating income to assets | 0.6998% | 3,740 |
| Return on assets (ROA) | 0.7076% | 3,957 |
| Pretax return on assets | 0.7509% | 4,473 |
| Return on Equity (ROE) | 8.5535% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.5535% | 951 |
| Net charge-offs to loans | 1.3475% | 704 |
| Credit loss provision to net charge-offs | -18.9340% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.6411% | 5,165 |
| Efficiency ratio | 89.0849% | 1,141 |
| Assets per employee ($millions) | 2.5897% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4864% | 1,141 |
| Loan loss allowance to noncurrent loans | 115.2250% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 2.2286% | 2,199 |
| Noncurrent loans to loans | 2.1579% | 2,513 |
| Net loans and leases to total assets | 62.8927% | 3,078 |
| Net loans and leases to deposits | 69.5190% | 3,766 |
| Net loans and leases to core deposits | 71.1296% | 4,152 |
| Total domestic deposits to total assets | 90.4684% | 719 |
| Equity capital to assets | 8.5708% | 5,987 |
| Core capital (leverage) ratio | 8.7309% | 5,278 |
| Tier 1 risk-based capital ratio | 12.0622% | 5,753 |
| Total risk-based capital ratio | 13.3382% | 5,689 |
| Memoranda: | ||
| Average total assets | $300,027,400 | 2,138 |
| Average earning assets | $260,113,600 | 2,241 |
| Average equity | $24,820,200 | 2,672 |
| Average total loans | $199,110,200 | 2,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 2,945 |
| Cost of funding earning assets | 0.6471% | 4,219 |
| Net interest margin | 4.0176% | 2,436 |
| Noninterest income to average assets | 1.5629% | 607 |
| Noninterest expense to average assets | 4.5016% | 540 |
| Loan and lease loss provision to assets | 0.0416% | 5,254 |
| Net operating income to assets | 0.6255% | 4,262 |
| Return on assets (ROA) | 0.6855% | 4,236 |
| Pretax return on assets | 0.6439% | 5,038 |
| Return on Equity (ROE) | 8.3639% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.3639% | 1,456 |
| Net charge-offs to loans | 1.3313% | 699 |
| Credit loss provision to net charge-offs | 4.6757% | 5,129 |
| Earnings coverage of net charge-offs (x) | 0.7029% | 4,971 |
| Efficiency ratio | 87.8000% | 1,214 |
| Assets per employee ($millions) | 2.6149% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1901% | 604 |
| Loan loss allowance to noncurrent loans | 118.4911% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.6090% | 2,019 |
| Noncurrent loans to loans | 2.6923% | 2,106 |
| Net loans and leases to total assets | 62.3789% | 3,318 |
| Net loans and leases to deposits | 68.8539% | 4,048 |
| Net loans and leases to core deposits | 71.5438% | 4,314 |
| Total domestic deposits to total assets | 90.5961% | 561 |
| Equity capital to assets | 8.5475% | 6,224 |
| Core capital (leverage) ratio | 8.5303% | 5,709 |
| Tier 1 risk-based capital ratio | 11.7699% | 6,071 |
| Total risk-based capital ratio | 13.0401% | 6,043 |
| Memoranda: | ||
| Average total assets | $297,990,750 | 2,170 |
| Average earning assets | $264,362,250 | 2,229 |
| Average equity | $24,422,000 | 2,739 |
| Average total loans | $199,197,500 | 2,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 3,458 |
| Cost of funding earning assets | 0.6907% | 4,089 |
| Net interest margin | 3.8841% | 2,983 |
| Noninterest income to average assets | 1.5455% | 618 |
| Noninterest expense to average assets | 4.6150% | 496 |
| Loan and lease loss provision to assets | 0.6367% | 909 |
| Net operating income to assets | -0.1077% | 6,447 |
| Return on assets (ROA) | -0.0999% | 6,539 |
| Pretax return on assets | -0.1627% | 6,565 |
| Return on Equity (ROE) | -1.2374% | 6,562 |
| Retained earnings to average equity (ytd only) | -1.2374% | 6,244 |
| Net charge-offs to loans | 2.0205% | 408 |
| Credit loss provision to net charge-offs | 46.5679% | 4,115 |
| Earnings coverage of net charge-offs (x) | 0.3378% | 4,910 |
| Efficiency ratio | 90.9030% | 1,006 |
| Assets per employee ($millions) | 2.5126% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4547% | 509 |
| Loan loss allowance to noncurrent loans | 69.0462% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 4.3898% | 1,131 |
| Noncurrent loans to loans | 5.0035% | 986 |
| Net loans and leases to total assets | 67.0281% | 2,456 |
| Net loans and leases to deposits | 73.7809% | 3,331 |
| Net loans and leases to core deposits | 77.1066% | 3,644 |
| Total domestic deposits to total assets | 90.8475% | 507 |
| Equity capital to assets | 8.2425% | 6,422 |
| Core capital (leverage) ratio | 8.1211% | 6,139 |
| Tier 1 risk-based capital ratio | 10.9816% | 6,507 |
| Total risk-based capital ratio | 12.2485% | 6,480 |
| Memoranda: | ||
| Average total assets | $296,211,000 | 2,180 |
| Average earning assets | $269,300,000 | 2,195 |
| Average equity | $23,920,330 | 2,776 |
| Average total loans | $200,447,000 | 2,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 3,579 |
| Cost of funding earning assets | 0.7572% | 3,811 |
| Net interest margin | 3.8272% | 3,253 |
| Noninterest income to average assets | 1.5283% | 622 |
| Noninterest expense to average assets | 4.7651% | 438 |
| Loan and lease loss provision to assets | 1.1610% | 337 |
| Net operating income to assets | -0.7796% | 6,944 |
| Return on assets (ROA) | -0.7588% | 6,955 |
| Pretax return on assets | -0.8852% | 6,950 |
| Return on Equity (ROE) | -9.4930% | 6,980 |
| Retained earnings to average equity (ytd only) | -9.4930% | 6,824 |
| Net charge-offs to loans | 2.7248% | 284 |
| Credit loss provision to net charge-offs | 63.7842% | 3,044 |
| Earnings coverage of net charge-offs (x) | 0.1382% | 4,299 |
| Efficiency ratio | 94.9853% | 772 |
| Assets per employee ($millions) | 2.5756% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9096% | 398 |
| Loan loss allowance to noncurrent loans | 73.6249% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 4.3144% | 1,257 |
| Noncurrent loans to loans | 5.3102% | 1,026 |
| Net loans and leases to total assets | 62.3374% | 3,185 |
| Net loans and leases to deposits | 68.4390% | 3,988 |
| Net loans and leases to core deposits | 73.4496% | 3,970 |
| Total domestic deposits to total assets | 91.0845% | 515 |
| Equity capital to assets | 7.8824% | 6,593 |
| Core capital (leverage) ratio | 7.8575% | 6,368 |
| Tier 1 risk-based capital ratio | 11.2973% | 6,390 |
| Total risk-based capital ratio | 12.5881% | 6,351 |
| Memoranda: | ||
| Average total assets | $297,329,000 | 2,181 |
| Average earning assets | $271,005,500 | 2,194 |
| Average equity | $23,765,000 | 2,788 |
| Average total loans | $198,622,000 | 2,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 3,596 |
| Cost of funding earning assets | 0.9382% | 3,805 |
| Net interest margin | 3.9094% | 3,294 |
| Noninterest income to average assets | 1.6757% | 499 |
| Noninterest expense to average assets | 4.3396% | 693 |
| Loan and lease loss provision to assets | 1.0400% | 903 |
| Net operating income to assets | -0.2180% | 6,277 |
| Return on assets (ROA) | -0.2164% | 6,340 |
| Pretax return on assets | -0.1558% | 6,250 |
| Return on Equity (ROE) | -2.8782% | 6,401 |
| Retained earnings to average equity (ytd only) | -2.8782% | 6,258 |
| Net charge-offs to loans | 2.4720% | 476 |
| Credit loss provision to net charge-offs | 62.1503% | 5,113 |
| Earnings coverage of net charge-offs (x) | 0.5274% | 5,430 |
| Efficiency ratio | 83.1007% | 1,873 |
| Assets per employee ($millions) | 2.4648% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0312% | 377 |
| Loan loss allowance to noncurrent loans | 58.8240% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 5.2469% | 996 |
| Noncurrent loans to loans | 6.8529% | 654 |
| Net loans and leases to total assets | 66.0105% | 2,782 |
| Net loans and leases to deposits | 72.6041% | 3,721 |
| Net loans and leases to core deposits | 78.3493% | 3,639 |
| Total domestic deposits to total assets | 90.9184% | 535 |
| Equity capital to assets | 8.1062% | 6,508 |
| Core capital (leverage) ratio | 8.1348% | 6,092 |
| Tier 1 risk-based capital ratio | 11.0452% | 6,427 |
| Total risk-based capital ratio | 12.3259% | 6,396 |
| Memoranda: | ||
| Average total assets | $299,036,600 | 2,142 |
| Average earning assets | $271,269,000 | 2,159 |
| Average equity | $22,479,200 | 2,839 |
| Average total loans | $202,429,800 | 2,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 3,607 |
| Cost of funding earning assets | 0.9786% | 3,827 |
| Net interest margin | 3.9116% | 3,329 |
| Noninterest income to average assets | 1.7324% | 467 |
| Noninterest expense to average assets | 4.2400% | 764 |
| Loan and lease loss provision to assets | 1.1138% | 733 |
| Net operating income to assets | -0.0125% | 6,171 |
| Return on assets (ROA) | -0.0111% | 6,274 |
| Pretax return on assets | -0.0790% | 6,315 |
| Return on Equity (ROE) | -0.1504% | 6,283 |
| Retained earnings to average equity (ytd only) | -0.1504% | 6,001 |
| Net charge-offs to loans | 2.2704% | 530 |
| Credit loss provision to net charge-offs | 72.7536% | 4,387 |
| Earnings coverage of net charge-offs (x) | 0.6745% | 5,117 |
| Efficiency ratio | 80.4158% | 2,193 |
| Assets per employee ($millions) | 2.4694% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5057% | 263 |
| Loan loss allowance to noncurrent loans | 65.5391% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 5.0961% | 1,129 |
| Noncurrent loans to loans | 6.8748% | 735 |
| Net loans and leases to total assets | 63.9268% | 3,320 |
| Net loans and leases to deposits | 70.4798% | 4,224 |
| Net loans and leases to core deposits | 75.9785% | 4,196 |
| Total domestic deposits to total assets | 90.7023% | 553 |
| Equity capital to assets | 8.1515% | 6,597 |
| Core capital (leverage) ratio | 8.1074% | 6,273 |
| Tier 1 risk-based capital ratio | 11.1126% | 6,472 |
| Total risk-based capital ratio | 12.4079% | 6,438 |
| Memoranda: | ||
| Average total assets | $300,466,500 | 2,139 |
| Average earning assets | $271,936,000 | 2,158 |
| Average equity | $22,154,750 | 2,872 |
| Average total loans | $202,599,000 | 2,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 3,531 |
| Cost of funding earning assets | 1.0415% | 3,659 |
| Net interest margin | 3.8786% | 3,400 |
| Noninterest income to average assets | 1.5203% | 553 |
| Noninterest expense to average assets | 4.0120% | 1,033 |
| Loan and lease loss provision to assets | 1.0160% | 848 |
| Net operating income to assets | 0.1151% | 5,977 |
| Return on assets (ROA) | 0.1173% | 6,059 |
| Pretax return on assets | -0.0060% | 6,276 |
| Return on Equity (ROE) | 1.6484% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.6484% | 5,170 |
| Net charge-offs to loans | 2.5864% | 438 |
| Credit loss provision to net charge-offs | 58.1174% | 4,389 |
| Earnings coverage of net charge-offs (x) | 0.5758% | 4,869 |
| Efficiency ratio | 79.9416% | 2,394 |
| Assets per employee ($millions) | 2.3712% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4497% | 287 |
| Loan loss allowance to noncurrent loans | 62.3638% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 5.4554% | 1,086 |
| Noncurrent loans to loans | 7.1351% | 711 |
| Net loans and leases to total assets | 64.6798% | 3,323 |
| Net loans and leases to deposits | 71.2275% | 4,255 |
| Net loans and leases to core deposits | 77.5344% | 4,109 |
| Total domestic deposits to total assets | 90.8074% | 586 |
| Equity capital to assets | 8.0870% | 6,608 |
| Core capital (leverage) ratio | 7.9430% | 6,365 |
| Tier 1 risk-based capital ratio | 11.0890% | 6,453 |
| Total risk-based capital ratio | 12.3818% | 6,422 |
| Memoranda: | ||
| Average total assets | $300,199,330 | 2,148 |
| Average earning assets | $270,768,670 | 2,175 |
| Average equity | $21,353,670 | 2,954 |
| Average total loans | $202,906,000 | 2,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 3,210 |
| Cost of funding earning assets | 1.0885% | 3,595 |
| Net interest margin | 3.8885% | 3,202 |
| Noninterest income to average assets | 1.5584% | 537 |
| Noninterest expense to average assets | 4.0967% | 923 |
| Loan and lease loss provision to assets | 1.0526% | 708 |
| Net operating income to assets | -0.1351% | 6,494 |
| Return on assets (ROA) | -0.1284% | 6,504 |
| Pretax return on assets | -0.0887% | 6,437 |
| Return on Equity (ROE) | -1.9356% | 6,576 |
| Retained earnings to average equity (ytd only) | -1.9356% | 6,133 |
| Net charge-offs to loans | 3.5425% | 282 |
| Credit loss provision to net charge-offs | 43.9956% | 3,869 |
| Earnings coverage of net charge-offs (x) | 0.4001% | 4,318 |
| Efficiency ratio | 81.0584% | 2,358 |
| Assets per employee ($millions) | 2.4134% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5433% | 276 |
| Loan loss allowance to noncurrent loans | 57.0137% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 5.9768% | 973 |
| Noncurrent loans to loans | 7.9688% | 631 |
| Net loans and leases to total assets | 62.2865% | 3,793 |
| Net loans and leases to deposits | 67.5913% | 4,731 |
| Net loans and leases to core deposits | 75.8887% | 4,315 |
| Total domestic deposits to total assets | 92.1517% | 252 |
| Equity capital to assets | 6.7144% | 7,160 |
| Core capital (leverage) ratio | 6.8041% | 7,079 |
| Tier 1 risk-based capital ratio | 9.6085% | 7,123 |
| Total risk-based capital ratio | 10.8974% | 7,121 |
| Memoranda: | ||
| Average total assets | $302,097,500 | 2,151 |
| Average earning assets | $271,573,000 | 2,192 |
| Average equity | $20,045,500 | 3,106 |
| Average total loans | $204,038,500 | 2,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 2,763 |
| Cost of funding earning assets | 1.4649% | 2,858 |
| Net interest margin | 3.9165% | 3,412 |
| Noninterest income to average assets | 1.6639% | 529 |
| Noninterest expense to average assets | 4.1305% | 982 |
| Loan and lease loss provision to assets | 2.1819% | 571 |
| Net operating income to assets | -0.9577% | 6,653 |
| Return on assets (ROA) | -0.9421% | 6,686 |
| Pretax return on assets | -1.1771% | 6,730 |
| Return on Equity (ROE) | -14.7050% | 6,911 |
| Retained earnings to average equity (ytd only) | -14.7050% | 6,873 |
| Net charge-offs to loans | 2.4068% | 787 |
| Credit loss provision to net charge-offs | 126.1645% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.5697% | 5,537 |
| Efficiency ratio | 80.7418% | 2,312 |
| Assets per employee ($millions) | 2.4399% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7827% | 221 |
| Loan loss allowance to noncurrent loans | 79.3966% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 5.1219% | 1,243 |
| Noncurrent loans to loans | 6.0238% | 1,038 |
| Net loans and leases to total assets | 66.5194% | 3,352 |
| Net loans and leases to deposits | 72.1104% | 4,499 |
| Net loans and leases to core deposits | 80.2162% | 4,180 |
| Total domestic deposits to total assets | 92.2466% | 227 |
| Equity capital to assets | 6.5554% | 7,245 |
| Core capital (leverage) ratio | 6.4684% | 7,203 |
| Tier 1 risk-based capital ratio | 8.6978% | 7,291 |
| Total risk-based capital ratio | 9.9913% | 7,299 |
| Memoranda: | ||
| Average total assets | $317,803,200 | 2,048 |
| Average earning assets | $280,095,600 | 2,104 |
| Average equity | $20,360,400 | 3,099 |
| Average total loans | $228,353,400 | 1,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 2,797 |
| Cost of funding earning assets | 1.5201% | 2,845 |
| Net interest margin | 3.8988% | 3,527 |
| Noninterest income to average assets | 1.6005% | 549 |
| Noninterest expense to average assets | 4.0819% | 951 |
| Loan and lease loss provision to assets | 2.5795% | 394 |
| Net operating income to assets | -1.2765% | 7,016 |
| Return on assets (ROA) | -1.2500% | 7,030 |
| Pretax return on assets | -1.6001% | 7,074 |
| Return on Equity (ROE) | -19.6174% | 7,213 |
| Retained earnings to average equity (ytd only) | -19.6174% | 7,196 |
| Net charge-offs to loans | 1.9265% | 986 |
| Credit loss provision to net charge-offs | 185.1500% | 1,956 |
| Earnings coverage of net charge-offs (x) | 0.6786% | 5,366 |
| Efficiency ratio | 81.1934% | 2,169 |
| Assets per employee ($millions) | 2.5795% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2161% | 150 |
| Loan loss allowance to noncurrent loans | 91.9570% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 5.1620% | 1,228 |
| Noncurrent loans to loans | 5.6724% | 1,159 |
| Net loans and leases to total assets | 65.6112% | 3,775 |
| Net loans and leases to deposits | 70.6588% | 5,057 |
| Net loans and leases to core deposits | 81.3120% | 4,340 |
| Total domestic deposits to total assets | 92.8564% | 109 |
| Equity capital to assets | 6.2494% | 7,456 |
| Core capital (leverage) ratio | 6.2399% | 7,397 |
| Tier 1 risk-based capital ratio | 8.1973% | 7,463 |
| Total risk-based capital ratio | 9.4962% | 7,462 |
| Memoranda: | ||
| Average total assets | $322,228,500 | 2,045 |
| Average earning assets | $283,227,500 | 2,122 |
| Average equity | $20,532,250 | 3,117 |
| Average total loans | $233,028,500 | 1,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 2,584 |
| Cost of funding earning assets | 1.5692% | 2,842 |
| Net interest margin | 3.9174% | 3,365 |
| Noninterest income to average assets | 1.6167% | 500 |
| Noninterest expense to average assets | 4.0645% | 968 |
| Loan and lease loss provision to assets | 2.2132% | 539 |
| Net operating income to assets | -0.7327% | 6,829 |
| Return on assets (ROA) | -0.7003% | 6,819 |
| Pretax return on assets | -1.1788% | 6,965 |
| Return on Equity (ROE) | -10.9212% | 6,994 |
| Retained earnings to average equity (ytd only) | -10.9212% | 6,949 |
| Net charge-offs to loans | 1.3162% | 1,439 |
| Credit loss provision to net charge-offs | 229.3026% | 1,688 |
| Earnings coverage of net charge-offs (x) | 1.0192% | 4,768 |
| Efficiency ratio | 80.5138% | 2,366 |
| Assets per employee ($millions) | 2.5316% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6163% | 232 |
| Loan loss allowance to noncurrent loans | 71.9468% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 5.9244% | 1,002 |
| Noncurrent loans to loans | 6.4163% | 940 |
| Net loans and leases to total assets | 69.8347% | 2,942 |
| Net loans and leases to deposits | 75.7199% | 4,377 |
| Net loans and leases to core deposits | 87.1467% | 3,668 |
| Total domestic deposits to total assets | 92.2277% | 185 |
| Equity capital to assets | 6.8733% | 7,389 |
| Core capital (leverage) ratio | 6.8085% | 7,278 |
| Tier 1 risk-based capital ratio | 8.5026% | 7,484 |
| Total risk-based capital ratio | 9.7925% | 7,494 |
| Memoranda: | ||
| Average total assets | $323,878,670 | 2,049 |
| Average earning assets | $283,710,000 | 2,126 |
| Average equity | $20,767,000 | 3,070 |
| Average total loans | $237,496,000 | 1,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 2,815 |
| Cost of funding earning assets | 1.5974% | 2,980 |
| Net interest margin | 3.8547% | 3,537 |
| Noninterest income to average assets | 1.6165% | 478 |
| Noninterest expense to average assets | 4.1927% | 818 |
| Loan and lease loss provision to assets | 1.3805% | 868 |
| Net operating income to assets | -0.5036% | 6,832 |
| Return on assets (ROA) | -0.5036% | 6,857 |
| Pretax return on assets | -0.5753% | 6,833 |
| Return on Equity (ROE) | -8.1328% | 7,061 |
| Retained earnings to average equity (ytd only) | -8.1328% | 6,839 |
| Net charge-offs to loans | 0.0630% | 4,787 |
| Credit loss provision to net charge-offs | 2,986.8421% | 171 |
| Earnings coverage of net charge-offs (x) | 17.4211% | 1,285 |
| Efficiency ratio | 83.8890% | 2,029 |
| Assets per employee ($millions) | 2.4803% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0760% | 350 |
| Loan loss allowance to noncurrent loans | 65.7838% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 5.9471% | 1,016 |
| Noncurrent loans to loans | 6.1960% | 1,045 |
| Net loans and leases to total assets | 70.6942% | 2,762 |
| Net loans and leases to deposits | 76.1987% | 4,372 |
| Net loans and leases to core deposits | 90.5742% | 3,291 |
| Total domestic deposits to total assets | 92.7761% | 139 |
| Equity capital to assets | 6.2684% | 7,579 |
| Core capital (leverage) ratio | 6.3175% | 7,526 |
| Tier 1 risk-based capital ratio | 7.6811% | 7,647 |
| Total risk-based capital ratio | 8.9637% | 7,651 |
| Memoranda: | ||
| Average total assets | $328,856,000 | 2,077 |
| Average earning assets | $288,477,000 | 2,156 |
| Average equity | $20,362,000 | 3,160 |
| Average total loans | $241,325,000 | 1,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 3,461 |
| Cost of funding earning assets | 1.9832% | 3,041 |
| Net interest margin | 3.6433% | 4,378 |
| Noninterest income to average assets | 1.3400% | 832 |
| Noninterest expense to average assets | 3.9218% | 1,479 |
| Loan and lease loss provision to assets | 3.0788% | 555 |
| Net operating income to assets | -2.6948% | 7,318 |
| Return on assets (ROA) | -2.6948% | 7,329 |
| Pretax return on assets | -2.4304% | 7,122 |
| Return on Equity (ROE) | -40.3189% | 7,572 |
| Retained earnings to average equity (ytd only) | -43.4483% | 7,602 |
| Net charge-offs to loans | 3.5806% | 534 |
| Credit loss provision to net charge-offs | 112.8950% | 4,856 |
| Earnings coverage of net charge-offs (x) | 0.2378% | 5,890 |
| Efficiency ratio | 85.8128% | 2,139 |
| Assets per employee ($millions) | 2.7257% | 6,803 |
| Cash dividends to net income (ytd only)* | -7.7616% | 7,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5055% | 524 |
| Loan loss allowance to noncurrent loans | 57.2638% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 5.5955% | 1,044 |
| Noncurrent loans to loans | 6.1217% | 1,019 |
| Net loans and leases to total assets | 70.5184% | 3,125 |
| Net loans and leases to deposits | 75.8867% | 4,760 |
| Net loans and leases to core deposits | 86.1202% | 5,510 |
| Total domestic deposits to total assets | 92.9259% | 137 |
| Equity capital to assets | 6.1181% | 7,652 |
| Core capital (leverage) ratio | 6.1560% | 7,597 |
| Tier 1 risk-based capital ratio | 7.5879% | 7,693 |
| Total risk-based capital ratio | 8.8643% | 7,699 |
| Memoranda: | ||
| Average total assets | $358,583,600 | 1,894 |
| Average earning assets | $317,928,400 | 1,966 |
| Average equity | $23,966,400 | 2,730 |
| Average total loans | $273,111,400 | 1,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6545% | 3,548 |
| Cost of funding earning assets | 2.0526% | 3,108 |
| Net interest margin | 3.6019% | 4,477 |
| Noninterest income to average assets | 1.4778% | 680 |
| Noninterest expense to average assets | 3.8790% | 1,461 |
| Loan and lease loss provision to assets | 3.1579% | 445 |
| Net operating income to assets | -3.4883% | 7,687 |
| Return on assets (ROA) | -3.4883% | 7,690 |
| Pretax return on assets | -2.3592% | 7,304 |
| Return on Equity (ROE) | -51.1948% | 7,840 |
| Retained earnings to average equity (ytd only) | -55.2222% | 7,864 |
| Net charge-offs to loans | 2.3279% | 807 |
| Credit loss provision to net charge-offs | 176.4670% | 2,619 |
| Earnings coverage of net charge-offs (x) | 0.4463% | 5,579 |
| Efficiency ratio | 82.9253% | 2,437 |
| Assets per employee ($millions) | 2.8226% | 6,606 |
| Cash dividends to net income (ytd only)* | -7.8666% | 7,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1939% | 258 |
| Loan loss allowance to noncurrent loans | 58.7629% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 6.0476% | 886 |
| Noncurrent loans to loans | 7.1371% | 751 |
| Net loans and leases to total assets | 69.9799% | 3,520 |
| Net loans and leases to deposits | 74.8303% | 5,243 |
| Net loans and leases to core deposits | 85.4207% | 5,928 |
| Total domestic deposits to total assets | 93.5181% | 63 |
| Equity capital to assets | 5.6344% | 7,904 |
| Core capital (leverage) ratio | 5.7415% | 7,845 |
| Tier 1 risk-based capital ratio | 7.1166% | 7,883 |
| Total risk-based capital ratio | 8.3966% | 7,886 |
| Memoranda: | ||
| Average total assets | $364,412,750 | 1,877 |
| Average earning assets | $323,743,500 | 1,942 |
| Average equity | $24,830,000 | 2,651 |
| Average total loans | $280,135,750 | 1,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 3,397 |
| Cost of funding earning assets | 2.1617% | 2,978 |
| Net interest margin | 3.5671% | 4,509 |
| Noninterest income to average assets | 1.7332% | 490 |
| Noninterest expense to average assets | 3.9951% | 1,322 |
| Loan and lease loss provision to assets | 3.7658% | 352 |
| Net operating income to assets | -4.5943% | 7,903 |
| Return on assets (ROA) | -4.5943% | 7,901 |
| Pretax return on assets | -2.8704% | 7,531 |
| Return on Equity (ROE) | -63.7894% | 7,998 |
| Retained earnings to average equity (ytd only) | -69.4882% | 8,011 |
| Net charge-offs to loans | 2.5712% | 661 |
| Credit loss provision to net charge-offs | 187.4421% | 2,446 |
| Earnings coverage of net charge-offs (x) | 0.4457% | 5,254 |
| Efficiency ratio | 81.6920% | 2,764 |
| Assets per employee ($millions) | 2.8037% | 6,619 |
| Cash dividends to net income (ytd only)* | -8.9339% | 7,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8574% | 292 |
| Loan loss allowance to noncurrent loans | 55.2973% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 5.8912% | 829 |
| Noncurrent loans to loans | 6.9757% | 704 |
| Net loans and leases to total assets | 72.6216% | 3,063 |
| Net loans and leases to deposits | 77.8225% | 4,906 |
| Net loans and leases to core deposits | 89.3645% | 5,589 |
| Total domestic deposits to total assets | 93.3169% | 82 |
| Equity capital to assets | 5.6576% | 7,978 |
| Core capital (leverage) ratio | 5.8537% | 7,950 |
| Tier 1 risk-based capital ratio | 7.2111% | 7,989 |
| Total risk-based capital ratio | 8.4909% | 7,993 |
| Memoranda: | ||
| Average total assets | $365,451,000 | 1,896 |
| Average earning assets | $323,452,330 | 1,962 |
| Average equity | $26,321,000 | 2,530 |
| Average total loans | $285,546,330 | 1,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9107% | 2,742 |
| Cost of funding earning assets | 2.1713% | 3,312 |
| Net interest margin | 3.7394% | 3,714 |
| Noninterest income to average assets | 1.7684% | 437 |
| Noninterest expense to average assets | 4.1302% | 1,026 |
| Loan and lease loss provision to assets | 1.5517% | 810 |
| Net operating income to assets | -0.4290% | 6,812 |
| Return on assets (ROA) | -0.4290% | 6,878 |
| Pretax return on assets | -0.6131% | 6,916 |
| Return on Equity (ROE) | -5.3879% | 7,009 |
| Retained earnings to average equity (ytd only) | -5.3879% | 6,609 |
| Net charge-offs to loans | 0.5032% | 2,205 |
| Credit loss provision to net charge-offs | 388.2834% | 1,329 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 3,557 |
| Efficiency ratio | 81.4823% | 2,609 |
| Assets per employee ($millions) | 2.5750% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8739% | 545 |
| Loan loss allowance to noncurrent loans | 46.3904% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 5.3910% | 802 |
| Noncurrent loans to loans | 6.1951% | 749 |
| Net loans and leases to total assets | 76.9660% | 2,047 |
| Net loans and leases to deposits | 84.5106% | 3,894 |
| Net loans and leases to core deposits | 100.0696% | 4,529 |
| Total domestic deposits to total assets | 91.0726% | 393 |
| Equity capital to assets | 7.8789% | 6,973 |
| Core capital (leverage) ratio | 7.9524% | 6,544 |
| Tier 1 risk-based capital ratio | 9.1525% | 7,704 |
| Total risk-based capital ratio | 10.4201% | 7,689 |
| Memoranda: | ||
| Average total assets | $367,339,000 | 1,896 |
| Average earning assets | $324,226,000 | 1,954 |
| Average equity | $29,250,500 | 2,332 |
| Average total loans | $291,723,500 | 1,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1511% | 4,773 |
| Cost of funding earning assets | 2.4832% | 4,295 |
| Net interest margin | 3.6679% | 4,608 |
| Noninterest income to average assets | 1.5502% | 585 |
| Noninterest expense to average assets | 3.8209% | 1,714 |
| Loan and lease loss provision to assets | 1.5004% | 899 |
| Net operating income to assets | -0.2586% | 6,693 |
| Return on assets (ROA) | -0.2586% | 6,538 |
| Pretax return on assets | -0.4804% | 6,636 |
| Return on Equity (ROE) | -3.1195% | 6,636 |
| Retained earnings to average equity (ytd only) | -4.4099% | 6,404 |
| Net charge-offs to loans | 1.0784% | 1,132 |
| Credit loss provision to net charge-offs | 177.3072% | 2,853 |
| Earnings coverage of net charge-offs (x) | 1.2054% | 5,528 |
| Efficiency ratio | 78.9282% | 2,762 |
| Assets per employee ($millions) | 2.7553% | 6,665 |
| Cash dividends to net income (ytd only)* | -41.3650% | 8,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 666 |
| Loan loss allowance to noncurrent loans | 36.5632% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 6.0417% | 490 |
| Noncurrent loans to loans | 6.8719% | 449 |
| Net loans and leases to total assets | 77.5884% | 2,240 |
| Net loans and leases to deposits | 85.4329% | 4,189 |
| Net loans and leases to core deposits | 99.7114% | 4,848 |
| Total domestic deposits to total assets | 90.8179% | 380 |
| Equity capital to assets | 8.0471% | 6,783 |
| Core capital (leverage) ratio | 8.3007% | 5,949 |
| Tier 1 risk-based capital ratio | 9.2710% | 7,549 |
| Total risk-based capital ratio | 10.5334% | 7,463 |
| Memoranda: | ||
| Average total assets | $373,890,600 | 1,801 |
| Average earning assets | $335,450,200 | 1,833 |
| Average equity | $30,998,600 | 2,172 |
| Average total loans | $293,385,600 | 1,645 |