Home > The State Bank and Trust Company > Performance and Condition Ratios
The State Bank and Trust Company, 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 | 4.8172% | 2,443 |
| Cost of funding earning assets | 1.4425% | 2,098 |
| Net interest margin | 3.3746% | 2,460 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 3.0464% | 1,052 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9115% | 2,511 |
| Return on assets (ROA) | 1.0001% | 2,206 |
| Pretax return on assets | 1.2402% | 2,030 |
| Return on Equity (ROE) | 9.7800% | 2,560 |
| Retained earnings to average equity (ytd only) | 2.4199% | 3,472 |
| Net charge-offs to loans | 0.0092% | 2,311 |
| Credit loss provision to net charge-offs | 754.9451% | 498 |
| Earnings coverage of net charge-offs (x) | 168.5934% | 661 |
| Efficiency ratio | 72.3565% | 1,629 |
| Assets per employee ($millions) | 5.5085% | 3,247 |
| Cash dividends to net income (ytd only)* | 75.2445% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 890 |
| Loan loss allowance to noncurrent loans | 560.1845% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 1,968 |
| Noncurrent loans to loans | 0.2810% | 2,174 |
| Net loans and leases to total assets | 73.7300% | 1,392 |
| Net loans and leases to deposits | 90.8770% | 1,195 |
| Net loans and leases to core deposits | 95.3669% | 1,693 |
| Total domestic deposits to total assets | 81.1300% | 3,286 |
| Equity capital to assets | 10.4217% | 1,767 |
| Core capital (leverage) ratio | 10.9291% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6742% | 1,635 |
| Memoranda: | ||
| Average total assets | $1,328,894,800 | 789 |
| Average earning assets | $1,205,192,600 | 793 |
| Average equity | $135,956,000 | 729 |
| Average total loans | $986,311,400 | 737 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 78,830.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 191,834.0000% | 8 |
| Cost of funding earning assets | 388.0000% | 14 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0062% | 4,549 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9190% | 2,607 |
| Pretax return on assets | 1.1317% | 2,479 |
| Return on Equity (ROE) | 9.0300% | 2,919 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0028% | 2,435 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 1,303 |
| Efficiency ratio | 4.5580% | 4,590 |
| Assets per employee ($millions) | 0.0082% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.8188% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6,238.0000% | 2 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0039% | 4,485 |
| Total domestic deposits to total assets | 34.0000% | 4,523 |
| Equity capital to assets | 29,140.0000% | 15 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $9,766,000 | 4,589 |
| Average earning assets | $3,486 | 4,610 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 2,260 |
| Cost of funding earning assets | 1.2190% | 1,932 |
| Net interest margin | 3.4541% | 2,377 |
| Noninterest income to average assets | 1.1200% | 481 |
| Noninterest expense to average assets | 3.0371% | 982 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9348% | 2,634 |
| Return on assets (ROA) | 0.9348% | 2,620 |
| Pretax return on assets | 1.1546% | 2,493 |
| Return on Equity (ROE) | 9.1000% | 2,960 |
| Retained earnings to average equity (ytd only) | 1.7798% | 3,764 |
| Net charge-offs to loans | 0.0170% | 1,578 |
| Credit loss provision to net charge-offs | 827.7108% | 468 |
| Earnings coverage of net charge-offs (x) | 97.2410% | 952 |
| Efficiency ratio | 71.2911% | 1,633 |
| Assets per employee ($millions) | 5.4784% | 3,169 |
| Cash dividends to net income (ytd only)* | 80.4505% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 944 |
| Loan loss allowance to noncurrent loans | 542.9701% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 1,875 |
| Noncurrent loans to loans | 0.2937% | 2,086 |
| Net loans and leases to total assets | 73.2200% | 1,380 |
| Net loans and leases to deposits | 90.4348% | 1,154 |
| Net loans and leases to core deposits | 94.1286% | 1,559 |
| Total domestic deposits to total assets | 80.9600% | 3,435 |
| Equity capital to assets | 10.0936% | 1,806 |
| Core capital (leverage) ratio | 10.7440% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4324% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,329,675,000 | 779 |
| Average earning assets | $1,206,266,667 | 787 |
| Average equity | $136,534,667 | 717 |
| Average total loans | $978,859,000 | 725 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,130 |
| Cost of funding earning assets | 1.0424% | 1,905 |
| Net interest margin | 3.5384% | 2,264 |
| Noninterest income to average assets | 1.0300% | 549 |
| Noninterest expense to average assets | 3.0748% | 967 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8807% | 2,919 |
| Return on assets (ROA) | 0.8807% | 2,876 |
| Pretax return on assets | 1.0914% | 2,732 |
| Return on Equity (ROE) | 8.5000% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.5048% | 2,081 |
| Net charge-offs to loans | 0.0251% | 1,187 |
| Credit loss provision to net charge-offs | 511.4754% | 537 |
| Earnings coverage of net charge-offs (x) | 63.5410% | 991 |
| Efficiency ratio | 72.3440% | 1,513 |
| Assets per employee ($millions) | 5.4375% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,067 |
| Loan loss allowance to noncurrent loans | 454.7114% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 1,647 |
| Noncurrent loans to loans | 0.3459% | 1,908 |
| Net loans and leases to total assets | 72.5500% | 1,367 |
| Net loans and leases to deposits | 86.6211% | 1,308 |
| Net loans and leases to core deposits | 89.6802% | 1,634 |
| Total domestic deposits to total assets | 83.7500% | 3,140 |
| Equity capital to assets | 10.4571% | 1,583 |
| Core capital (leverage) ratio | 10.9296% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6926% | 1,726 |
| Memoranda: | ||
| Average total assets | $1,328,887,000 | 792 |
| Average earning assets | $1,205,276,000 | 802 |
| Average equity | $137,616,500 | 722 |
| Average total loans | $973,028,500 | 745 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 2,459 |
| Cost of funding earning assets | 0.3375% | 2,570 |
| Net interest margin | 3.3915% | 2,286 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 3.0759% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0251% | 2,479 |
| Return on assets (ROA) | 1.0251% | 2,423 |
| Pretax return on assets | 1.2770% | 2,172 |
| Return on Equity (ROE) | 9.5700% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.5656% | 1,294 |
| Net charge-offs to loans | -0.0016% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5420% | 1,616 |
| Assets per employee ($millions) | 5.1579% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,393 |
| Loan loss allowance to noncurrent loans | 375.2852% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 1,504 |
| Noncurrent loans to loans | 0.3819% | 1,775 |
| Net loans and leases to total assets | 71.6900% | 1,452 |
| Net loans and leases to deposits | 86.4491% | 1,283 |
| Net loans and leases to core deposits | 89.5153% | 1,530 |
| Total domestic deposits to total assets | 82.9300% | 3,437 |
| Equity capital to assets | 10.2540% | 1,583 |
| Core capital (leverage) ratio | 11.0557% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6658% | 1,743 |
| Memoranda: | ||
| Average total assets | $1,309,685,200 | 787 |
| Average earning assets | $1,194,407,200 | 795 |
| Average equity | $140,357,800 | 711 |
| Average total loans | $895,569,600 | 751 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 2,515 |
| Cost of funding earning assets | 0.2599% | 2,603 |
| Net interest margin | 3.2727% | 2,383 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 3.1065% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9723% | 2,583 |
| Return on assets (ROA) | 0.9723% | 2,550 |
| Pretax return on assets | 1.2122% | 2,322 |
| Return on Equity (ROE) | 8.9700% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.9744% | 1,657 |
| Net charge-offs to loans | -0.0029% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8086% | 1,541 |
| Assets per employee ($millions) | 4.9763% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,320 |
| Loan loss allowance to noncurrent loans | 369.0336% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 1,559 |
| Noncurrent loans to loans | 0.4036% | 1,813 |
| Net loans and leases to total assets | 70.6700% | 1,422 |
| Net loans and leases to deposits | 83.6548% | 1,327 |
| Net loans and leases to core deposits | 85.8179% | 1,532 |
| Total domestic deposits to total assets | 84.4800% | 3,390 |
| Equity capital to assets | 10.1028% | 1,567 |
| Core capital (leverage) ratio | 10.9549% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5754% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,305,712,750 | 795 |
| Average earning assets | $1,193,166,000 | 804 |
| Average equity | $141,466,250 | 713 |
| Average total loans | $878,424,500 | 763 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 2,710 |
| Cost of funding earning assets | 0.2143% | 2,714 |
| Net interest margin | 3.0945% | 2,550 |
| Noninterest income to average assets | 1.4263% | 357 |
| Noninterest expense to average assets | 3.1200% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9153% | 2,519 |
| Return on assets (ROA) | 0.9153% | 2,486 |
| Pretax return on assets | 1.1424% | 2,266 |
| Return on Equity (ROE) | 8.2647% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.2647% | 1,522 |
| Net charge-offs to loans | 0.0009% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,870.2500% | 53 |
| Efficiency ratio | 73.0725% | 1,614 |
| Assets per employee ($millions) | 5.0161% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,320 |
| Loan loss allowance to noncurrent loans | 345.1976% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 1,522 |
| Noncurrent loans to loans | 0.4443% | 1,791 |
| Net loans and leases to total assets | 69.0012% | 1,394 |
| Net loans and leases to deposits | 82.0066% | 1,241 |
| Net loans and leases to core deposits | 83.0457% | 1,517 |
| Total domestic deposits to total assets | 84.1410% | 3,665 |
| Equity capital to assets | 10.7774% | 1,324 |
| Core capital (leverage) ratio | 10.7180% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4594% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,309,672,333 | 787 |
| Average earning assets | $1,200,342,333 | 798 |
| Average equity | $145,050,667 | 707 |
| Average total loans | $861,823,000 | 762 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 3,028 |
| Cost of funding earning assets | 0.2204% | 2,522 |
| Net interest margin | 2.8635% | 2,941 |
| Noninterest income to average assets | 1.5753% | 334 |
| Noninterest expense to average assets | 3.0619% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9201% | 2,200 |
| Return on assets (ROA) | 0.9201% | 2,195 |
| Pretax return on assets | 1.1506% | 1,977 |
| Return on Equity (ROE) | 8.2006% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.2006% | 1,520 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5641% | 1,903 |
| Assets per employee ($millions) | 5.4033% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,236 |
| Loan loss allowance to noncurrent loans | 321.5467% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 1,656 |
| Noncurrent loans to loans | 0.5019% | 1,771 |
| Net loans and leases to total assets | 63.5749% | 1,672 |
| Net loans and leases to deposits | 73.2220% | 1,673 |
| Net loans and leases to core deposits | 73.9680% | 1,941 |
| Total domestic deposits to total assets | 86.8249% | 2,988 |
| Equity capital to assets | 10.8773% | 1,395 |
| Core capital (leverage) ratio | 10.3506% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9625% | 1,809 |
| Memoranda: | ||
| Average total assets | $1,322,449,000 | 785 |
| Average earning assets | $1,217,949,500 | 797 |
| Average equity | $148,378,500 | 716 |
| Average total loans | $842,805,000 | 770 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 2,673 |
| Cost of funding earning assets | 0.2804% | 2,599 |
| Net interest margin | 3.2159% | 2,570 |
| Noninterest income to average assets | 2.2240% | 263 |
| Noninterest expense to average assets | 3.3086% | 619 |
| Loan and lease loss provision to assets | 0.0805% | 1,520 |
| Net operating income to assets | 1.4244% | 1,197 |
| Return on assets (ROA) | 1.4244% | 1,264 |
| Pretax return on assets | 1.7893% | 937 |
| Return on Equity (ROE) | 12.6080% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.2138% | 1,132 |
| Net charge-offs to loans | -0.0210% | 4,001 |
| Credit loss provision to net charge-offs | -583.3333% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7876% | 2,594 |
| Assets per employee ($millions) | 5.0811% | 3,659 |
| Cash dividends to net income (ytd only)* | 26.9208% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,129 |
| Loan loss allowance to noncurrent loans | 378.0120% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 1,509 |
| Noncurrent loans to loans | 0.4399% | 2,039 |
| Net loans and leases to total assets | 61.7968% | 1,968 |
| Net loans and leases to deposits | 71.8852% | 1,923 |
| Net loans and leases to core deposits | 72.7519% | 2,184 |
| Total domestic deposits to total assets | 85.9659% | 2,925 |
| Equity capital to assets | 11.5633% | 1,473 |
| Core capital (leverage) ratio | 10.1828% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1968% | 1,776 |
| Memoranda: | ||
| Average total assets | $1,303,885,600 | 762 |
| Average earning assets | $1,197,863,200 | 770 |
| Average equity | $147,311,000 | 729 |
| Average total loans | $856,634,000 | 759 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 2,659 |
| Cost of funding earning assets | 0.2985% | 2,604 |
| Net interest margin | 3.2633% | 2,537 |
| Noninterest income to average assets | 2.3458% | 263 |
| Noninterest expense to average assets | 3.2839% | 610 |
| Loan and lease loss provision to assets | 0.1077% | 1,120 |
| Net operating income to assets | 1.5519% | 1,142 |
| Return on assets (ROA) | 1.5519% | 1,189 |
| Pretax return on assets | 1.9510% | 862 |
| Return on Equity (ROE) | 13.8192% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.2514% | 1,595 |
| Net charge-offs to loans | -0.0290% | 4,116 |
| Credit loss provision to net charge-offs | -558.5106% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3622% | 2,783 |
| Assets per employee ($millions) | 5.1647% | 3,540 |
| Cash dividends to net income (ytd only)* | 33.0535% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,310 |
| Loan loss allowance to noncurrent loans | 433.2497% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 1,991 |
| Noncurrent loans to loans | 0.3720% | 2,447 |
| Net loans and leases to total assets | 63.7642% | 1,798 |
| Net loans and leases to deposits | 74.5677% | 1,804 |
| Net loans and leases to core deposits | 75.5199% | 2,099 |
| Total domestic deposits to total assets | 85.5119% | 2,939 |
| Equity capital to assets | 11.3799% | 1,755 |
| Core capital (leverage) ratio | 9.9754% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4779% | 2,175 |
| Memoranda: | ||
| Average total assets | $1,299,584,500 | 777 |
| Average earning assets | $1,193,499,500 | 785 |
| Average equity | $145,948,250 | 746 |
| Average total loans | $863,243,500 | 766 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 2,839 |
| Cost of funding earning assets | 0.3223% | 2,566 |
| Net interest margin | 3.1952% | 2,770 |
| Noninterest income to average assets | 2.5719% | 233 |
| Noninterest expense to average assets | 3.2666% | 646 |
| Loan and lease loss provision to assets | 0.1161% | 1,090 |
| Net operating income to assets | 1.6869% | 894 |
| Return on assets (ROA) | 1.6869% | 938 |
| Pretax return on assets | 2.1217% | 660 |
| Return on Equity (ROE) | 15.0896% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.1665% | 2,017 |
| Net charge-offs to loans | 0.0042% | 2,007 |
| Credit loss provision to net charge-offs | 4,166.6667% | 163 |
| Earnings coverage of net charge-offs (x) | 803.1667% | 172 |
| Efficiency ratio | 59.2435% | 3,121 |
| Assets per employee ($millions) | 5.2471% | 3,409 |
| Cash dividends to net income (ytd only)* | 45.8800% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,432 |
| Loan loss allowance to noncurrent loans | 368.0775% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 2,009 |
| Noncurrent loans to loans | 0.4207% | 2,420 |
| Net loans and leases to total assets | 64.7474% | 1,857 |
| Net loans and leases to deposits | 76.0418% | 1,815 |
| Net loans and leases to core deposits | 77.1381% | 2,122 |
| Total domestic deposits to total assets | 85.1471% | 3,036 |
| Equity capital to assets | 11.2842% | 1,763 |
| Core capital (leverage) ratio | 9.6841% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3657% | 2,219 |
| Memoranda: | ||
| Average total assets | $1,292,055,667 | 781 |
| Average earning assets | $1,185,855,333 | 781 |
| Average equity | $144,443,667 | 746 |
| Average total loans | $865,363,333 | 764 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 2,548 |
| Cost of funding earning assets | 0.3493% | 2,523 |
| Net interest margin | 3.2789% | 2,446 |
| Noninterest income to average assets | 3.2534% | 184 |
| Noninterest expense to average assets | 3.2431% | 662 |
| Loan and lease loss provision to assets | 0.2335% | 478 |
| Net operating income to assets | 2.2039% | 411 |
| Return on assets (ROA) | 2.2039% | 449 |
| Pretax return on assets | 2.7870% | 307 |
| Return on Equity (ROE) | 19.8083% | 546 |
| Retained earnings to average equity (ytd only) | 5.8174% | 2,956 |
| Net charge-offs to loans | -0.0009% | 3,043 |
| Credit loss provision to net charge-offs | -37,500.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6875% | 4,027 |
| Assets per employee ($millions) | 5.4738% | 3,142 |
| Cash dividends to net income (ytd only)* | 70.6314% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,407 |
| Loan loss allowance to noncurrent loans | 236.4862% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 2,114 |
| Noncurrent loans to loans | 0.6576% | 1,925 |
| Net loans and leases to total assets | 63.9451% | 2,050 |
| Net loans and leases to deposits | 74.7509% | 2,046 |
| Net loans and leases to core deposits | 76.3189% | 2,323 |
| Total domestic deposits to total assets | 85.5443% | 2,911 |
| Equity capital to assets | 10.8140% | 1,997 |
| Core capital (leverage) ratio | 9.7467% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3368% | 2,148 |
| Memoranda: | ||
| Average total assets | $1,284,821,500 | 774 |
| Average earning assets | $1,179,527,000 | 780 |
| Average equity | $142,950,000 | 744 |
| Average total loans | $868,422,000 | 758 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 2,573 |
| Cost of funding earning assets | 0.6136% | 2,218 |
| Net interest margin | 3.4394% | 2,646 |
| Noninterest income to average assets | 2.4649% | 248 |
| Noninterest expense to average assets | 3.4731% | 720 |
| Loan and lease loss provision to assets | 0.3898% | 822 |
| Net operating income to assets | 1.3821% | 1,060 |
| Return on assets (ROA) | 1.3821% | 1,152 |
| Pretax return on assets | 1.7334% | 797 |
| Return on Equity (ROE) | 11.4324% | 1,483 |
| Retained earnings to average equity (ytd only) | -5.7825% | 4,851 |
| Net charge-offs to loans | 0.0778% | 1,696 |
| Credit loss provision to net charge-offs | 661.7647% | 1,037 |
| Earnings coverage of net charge-offs (x) | 36.0441% | 1,465 |
| Efficiency ratio | 61.9894% | 3,137 |
| Assets per employee ($millions) | 5.2762% | 3,073 |
| Cash dividends to net income (ytd only)* | 150.5798% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 1,857 |
| Loan loss allowance to noncurrent loans | 195.6738% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,007 |
| Noncurrent loans to loans | 0.7303% | 1,880 |
| Net loans and leases to total assets | 69.3657% | 1,637 |
| Net loans and leases to deposits | 81.9116% | 1,672 |
| Net loans and leases to core deposits | 84.4260% | 2,001 |
| Total domestic deposits to total assets | 84.6836% | 2,889 |
| Equity capital to assets | 11.4553% | 1,919 |
| Core capital (leverage) ratio | 9.9362% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1602% | 2,183 |
| Memoranda: | ||
| Average total assets | $1,154,383,600 | 777 |
| Average earning assets | $1,051,025,200 | 787 |
| Average equity | $139,559,200 | 719 |
| Average total loans | $873,984,800 | 735 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 2,509 |
| Cost of funding earning assets | 0.6699% | 2,201 |
| Net interest margin | 3.4844% | 2,640 |
| Noninterest income to average assets | 2.3579% | 257 |
| Noninterest expense to average assets | 3.5135% | 696 |
| Loan and lease loss provision to assets | 0.4364% | 756 |
| Net operating income to assets | 1.2571% | 1,458 |
| Return on assets (ROA) | 1.2571% | 1,577 |
| Pretax return on assets | 1.5755% | 1,256 |
| Return on Equity (ROE) | 10.2499% | 1,931 |
| Retained earnings to average equity (ytd only) | -8.5275% | 4,909 |
| Net charge-offs to loans | 0.1012% | 1,302 |
| Credit loss provision to net charge-offs | 558.9124% | 1,207 |
| Earnings coverage of net charge-offs (x) | 25.7659% | 1,711 |
| Efficiency ratio | 63.5279% | 2,818 |
| Assets per employee ($millions) | 4.9505% | 3,311 |
| Cash dividends to net income (ytd only)* | 183.1957% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 2,117 |
| Loan loss allowance to noncurrent loans | 184.0069% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,101 |
| Noncurrent loans to loans | 0.7123% | 2,015 |
| Net loans and leases to total assets | 73.2146% | 1,470 |
| Net loans and leases to deposits | 87.2289% | 1,566 |
| Net loans and leases to core deposits | 90.1657% | 1,955 |
| Total domestic deposits to total assets | 83.9339% | 2,839 |
| Equity capital to assets | 11.7455% | 1,846 |
| Core capital (leverage) ratio | 10.4287% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9613% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,130,363,250 | 783 |
| Average earning assets | $1,027,556,500 | 788 |
| Average equity | $138,638,000 | 714 |
| Average total loans | $872,489,000 | 729 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,643 |
| Cost of funding earning assets | 0.7328% | 2,217 |
| Net interest margin | 3.5049% | 2,770 |
| Noninterest income to average assets | 1.8224% | 333 |
| Noninterest expense to average assets | 3.4264% | 823 |
| Loan and lease loss provision to assets | 0.3446% | 1,235 |
| Net operating income to assets | 0.9894% | 2,366 |
| Return on assets (ROA) | 0.9894% | 2,496 |
| Pretax return on assets | 1.2339% | 2,241 |
| Return on Equity (ROE) | 7.9438% | 2,768 |
| Retained earnings to average equity (ytd only) | -14.6603% | 4,976 |
| Net charge-offs to loans | 0.1485% | 973 |
| Credit loss provision to net charge-offs | 296.4119% | 1,630 |
| Earnings coverage of net charge-offs (x) | 13.5788% | 1,988 |
| Efficiency ratio | 68.4434% | 2,178 |
| Assets per employee ($millions) | 4.8250% | 3,391 |
| Cash dividends to net income (ytd only)* | 284.5491% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,101 |
| Loan loss allowance to noncurrent loans | 153.2446% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 2,120 |
| Noncurrent loans to loans | 0.7139% | 2,093 |
| Net loans and leases to total assets | 75.6547% | 1,192 |
| Net loans and leases to deposits | 91.0423% | 1,260 |
| Net loans and leases to core deposits | 94.3716% | 1,708 |
| Total domestic deposits to total assets | 83.0984% | 3,055 |
| Equity capital to assets | 11.8132% | 1,777 |
| Core capital (leverage) ratio | 10.3584% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9948% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,102,858,333 | 788 |
| Average earning assets | $1,001,387,667 | 787 |
| Average equity | $137,364,333 | 716 |
| Average total loans | $863,386,333 | 724 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 2,496 |
| Cost of funding earning assets | 0.8374% | 2,186 |
| Net interest margin | 3.5966% | 2,674 |
| Noninterest income to average assets | 0.7390% | 1,504 |
| Noninterest expense to average assets | 3.3864% | 1,089 |
| Loan and lease loss provision to assets | 0.2273% | 1,366 |
| Net operating income to assets | 0.3254% | 4,296 |
| Return on assets (ROA) | 0.3254% | 4,322 |
| Pretax return on assets | 0.3920% | 4,304 |
| Return on Equity (ROE) | 2.5383% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.5383% | 3,253 |
| Net charge-offs to loans | 0.1896% | 717 |
| Credit loss provision to net charge-offs | 151.1335% | 1,580 |
| Earnings coverage of net charge-offs (x) | 4.1184% | 2,157 |
| Efficiency ratio | 84.5201% | 798 |
| Assets per employee ($millions) | 4.3640% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,386 |
| Loan loss allowance to noncurrent loans | 154.9291% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 2,368 |
| Noncurrent loans to loans | 0.6866% | 2,279 |
| Net loans and leases to total assets | 76.9795% | 1,137 |
| Net loans and leases to deposits | 95.7682% | 932 |
| Net loans and leases to core deposits | 99.7270% | 1,495 |
| Total domestic deposits to total assets | 80.3811% | 3,782 |
| Equity capital to assets | 12.6117% | 1,668 |
| Core capital (leverage) ratio | 11.3461% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0951% | 2,653 |
| Memoranda: | ||
| Average total assets | $1,055,988,500 | 785 |
| Average earning assets | $959,134,500 | 787 |
| Average equity | $135,368,500 | 721 |
| Average total loans | $837,431,500 | 715 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,073 |
| Cost of funding earning assets | 0.9874% | 1,778 |
| Net interest margin | 3.8028% | 2,495 |
| Noninterest income to average assets | 1.6733% | 343 |
| Noninterest expense to average assets | 3.5394% | 914 |
| Loan and lease loss provision to assets | 0.0786% | 2,425 |
| Net operating income to assets | 1.2142% | 2,006 |
| Return on assets (ROA) | 1.2304% | 2,031 |
| Pretax return on assets | 1.5348% | 1,701 |
| Return on Equity (ROE) | 9.5601% | 2,495 |
| Retained earnings to average equity (ytd only) | 4.9808% | 2,431 |
| Net charge-offs to loans | 0.0263% | 2,872 |
| Credit loss provision to net charge-offs | 375.5869% | 742 |
| Earnings coverage of net charge-offs (x) | 76.1455% | 829 |
| Efficiency ratio | 68.9453% | 2,322 |
| Assets per employee ($millions) | 4.1688% | 3,672 |
| Cash dividends to net income (ytd only)* | 47.9004% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,210 |
| Loan loss allowance to noncurrent loans | 278.9994% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,090 |
| Noncurrent loans to loans | 0.3768% | 3,090 |
| Net loans and leases to total assets | 80.0251% | 789 |
| Net loans and leases to deposits | 96.4598% | 898 |
| Net loans and leases to core deposits | 100.8133% | 1,497 |
| Total domestic deposits to total assets | 82.9621% | 3,203 |
| Equity capital to assets | 13.0372% | 1,497 |
| Core capital (leverage) ratio | 11.3577% | 2,209 |
| Tier 1 risk-based capital ratio | 12.4626% | 4,092 |
| Total risk-based capital ratio | 13.3961% | 4,165 |
| Memoranda: | ||
| Average total assets | $1,018,070,400 | 769 |
| Average earning assets | $926,096,000 | 777 |
| Average equity | $131,024,400 | 702 |
| Average total loans | $811,418,400 | 707 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 2,147 |
| Cost of funding earning assets | 0.9584% | 1,947 |
| Net interest margin | 3.8326% | 2,494 |
| Noninterest income to average assets | 1.5000% | 405 |
| Noninterest expense to average assets | 3.4438% | 1,024 |
| Loan and lease loss provision to assets | 0.0657% | 2,575 |
| Net operating income to assets | 1.1835% | 2,253 |
| Return on assets (ROA) | 1.2052% | 2,260 |
| Pretax return on assets | 1.5020% | 1,949 |
| Return on Equity (ROE) | 9.3952% | 2,717 |
| Retained earnings to average equity (ytd only) | 3.2519% | 3,781 |
| Net charge-offs to loans | 0.0289% | 2,513 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 67.0279% | 988 |
| Efficiency ratio | 69.0759% | 2,246 |
| Assets per employee ($millions) | 4.2849% | 3,504 |
| Cash dividends to net income (ytd only)* | 65.3880% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,487 |
| Loan loss allowance to noncurrent loans | 259.2977% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,050 |
| Noncurrent loans to loans | 0.3913% | 3,142 |
| Net loans and leases to total assets | 79.9016% | 860 |
| Net loans and leases to deposits | 96.6143% | 943 |
| Net loans and leases to core deposits | 102.8577% | 1,426 |
| Total domestic deposits to total assets | 82.7016% | 3,251 |
| Equity capital to assets | 12.6463% | 1,815 |
| Core capital (leverage) ratio | 11.0995% | 2,558 |
| Tier 1 risk-based capital ratio | 12.0743% | 4,381 |
| Total risk-based capital ratio | 12.9774% | 4,453 |
| Memoranda: | ||
| Average total assets | $1,015,164,500 | 773 |
| Average earning assets | $922,942,500 | 778 |
| Average equity | $130,219,750 | 705 |
| Average total loans | $806,080,750 | 714 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 2,321 |
| Cost of funding earning assets | 0.9270% | 2,021 |
| Net interest margin | 3.7866% | 2,623 |
| Noninterest income to average assets | 1.2715% | 535 |
| Noninterest expense to average assets | 3.3547% | 1,185 |
| Loan and lease loss provision to assets | 0.0397% | 3,021 |
| Net operating income to assets | 1.0644% | 2,663 |
| Return on assets (ROA) | 1.0971% | 2,597 |
| Pretax return on assets | 1.3652% | 2,318 |
| Return on Equity (ROE) | 8.5117% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.5117% | 1,199 |
| Net charge-offs to loans | 0.0153% | 2,591 |
| Credit loss provision to net charge-offs | 327.8689% | 843 |
| Earnings coverage of net charge-offs (x) | 112.6885% | 635 |
| Efficiency ratio | 71.0765% | 2,061 |
| Assets per employee ($millions) | 4.1942% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,574 |
| Loan loss allowance to noncurrent loans | 267.4179% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,144 |
| Noncurrent loans to loans | 0.3769% | 3,174 |
| Net loans and leases to total assets | 79.7144% | 930 |
| Net loans and leases to deposits | 96.3732% | 998 |
| Net loans and leases to core deposits | 103.0393% | 1,466 |
| Total domestic deposits to total assets | 82.7142% | 3,303 |
| Equity capital to assets | 13.0341% | 1,568 |
| Core capital (leverage) ratio | 11.6424% | 2,066 |
| Tier 1 risk-based capital ratio | 12.5310% | 4,109 |
| Total risk-based capital ratio | 13.4296% | 4,195 |
| Memoranda: | ||
| Average total assets | $1,007,905,670 | 778 |
| Average earning assets | $917,558,670 | 782 |
| Average equity | $129,914,670 | 701 |
| Average total loans | $795,766,330 | 721 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 2,514 |
| Cost of funding earning assets | 0.8980% | 2,015 |
| Net interest margin | 3.7070% | 2,871 |
| Noninterest income to average assets | 1.2206% | 546 |
| Noninterest expense to average assets | 3.2691% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0658% | 2,596 |
| Return on assets (ROA) | 1.0658% | 2,647 |
| Pretax return on assets | 1.3262% | 2,353 |
| Return on Equity (ROE) | 8.3166% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.3166% | 1,544 |
| Net charge-offs to loans | 0.0241% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 70.5532% | 839 |
| Efficiency ratio | 71.1227% | 2,167 |
| Assets per employee ($millions) | 4.0291% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,512 |
| Loan loss allowance to noncurrent loans | 258.1373% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,240 |
| Noncurrent loans to loans | 0.3998% | 3,155 |
| Net loans and leases to total assets | 76.6995% | 1,368 |
| Net loans and leases to deposits | 92.9056% | 1,293 |
| Net loans and leases to core deposits | 97.6009% | 1,809 |
| Total domestic deposits to total assets | 82.5564% | 3,559 |
| Equity capital to assets | 12.7887% | 1,571 |
| Core capital (leverage) ratio | 11.4901% | 2,144 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,036 |
| Total risk-based capital ratio | 13.6255% | 4,115 |
| Memoranda: | ||
| Average total assets | $1,000,165,500 | 788 |
| Average earning assets | $910,484,000 | 791 |
| Average equity | $128,177,500 | 710 |
| Average total loans | $781,603,500 | 731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 2,057 |
| Cost of funding earning assets | 0.6811% | 2,205 |
| Net interest margin | 3.9456% | 2,177 |
| Noninterest income to average assets | 1.7447% | 321 |
| Noninterest expense to average assets | 3.5496% | 931 |
| Loan and lease loss provision to assets | 0.0638% | 2,884 |
| Net operating income to assets | 1.3694% | 1,535 |
| Return on assets (ROA) | 1.3753% | 1,506 |
| Pretax return on assets | 1.7165% | 1,124 |
| Return on Equity (ROE) | 11.0633% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.0633% | 426 |
| Net charge-offs to loans | 0.0486% | 2,460 |
| Credit loss provision to net charge-offs | 165.2893% | 1,687 |
| Earnings coverage of net charge-offs (x) | 45.9587% | 1,196 |
| Efficiency ratio | 66.6707% | 2,752 |
| Assets per employee ($millions) | 3.9400% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,368 |
| Loan loss allowance to noncurrent loans | 281.0392% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 3,338 |
| Noncurrent loans to loans | 0.3743% | 3,195 |
| Net loans and leases to total assets | 77.9863% | 1,272 |
| Net loans and leases to deposits | 93.9755% | 1,288 |
| Net loans and leases to core deposits | 98.4438% | 1,836 |
| Total domestic deposits to total assets | 82.9858% | 3,336 |
| Equity capital to assets | 12.8434% | 1,418 |
| Core capital (leverage) ratio | 11.2315% | 2,320 |
| Tier 1 risk-based capital ratio | 12.5706% | 4,093 |
| Total risk-based capital ratio | 13.5037% | 4,156 |
| Memoranda: | ||
| Average total assets | $941,017,400 | 810 |
| Average earning assets | $853,273,600 | 826 |
| Average equity | $116,981,200 | 739 |
| Average total loans | $746,484,200 | 739 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,101 |
| Cost of funding earning assets | 0.6159% | 2,367 |
| Net interest margin | 3.9456% | 2,145 |
| Noninterest income to average assets | 1.7830% | 328 |
| Noninterest expense to average assets | 3.5704% | 896 |
| Loan and lease loss provision to assets | 0.0860% | 2,251 |
| Net operating income to assets | 1.3651% | 1,605 |
| Return on assets (ROA) | 1.3731% | 1,583 |
| Pretax return on assets | 1.7129% | 1,246 |
| Return on Equity (ROE) | 11.1434% | 2,120 |
| Retained earnings to average equity (ytd only) | 11.1434% | 615 |
| Net charge-offs to loans | 0.0074% | 3,156 |
| Credit loss provision to net charge-offs | 1,463.4146% | 282 |
| Earnings coverage of net charge-offs (x) | 304.3153% | 308 |
| Efficiency ratio | 66.6025% | 2,770 |
| Assets per employee ($millions) | 3.9087% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,246 |
| Loan loss allowance to noncurrent loans | 356.5309% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,683 |
| Noncurrent loans to loans | 0.3058% | 3,579 |
| Net loans and leases to total assets | 78.8087% | 1,195 |
| Net loans and leases to deposits | 95.7226% | 1,188 |
| Net loans and leases to core deposits | 100.7429% | 1,719 |
| Total domestic deposits to total assets | 82.3302% | 3,514 |
| Equity capital to assets | 12.4892% | 1,594 |
| Core capital (leverage) ratio | 11.2583% | 2,373 |
| Tier 1 risk-based capital ratio | 12.1615% | 4,402 |
| Total risk-based capital ratio | 13.1302% | 4,447 |
| Memoranda: | ||
| Average total assets | $930,022,500 | 817 |
| Average earning assets | $842,969,000 | 835 |
| Average equity | $114,599,750 | 744 |
| Average total loans | $739,022,750 | 746 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,110 |
| Cost of funding earning assets | 0.5490% | 2,619 |
| Net interest margin | 3.9430% | 2,057 |
| Noninterest income to average assets | 1.8071% | 319 |
| Noninterest expense to average assets | 3.5806% | 886 |
| Loan and lease loss provision to assets | 0.1312% | 1,512 |
| Net operating income to assets | 1.3435% | 1,625 |
| Return on assets (ROA) | 1.3435% | 1,632 |
| Pretax return on assets | 1.6631% | 1,309 |
| Return on Equity (ROE) | 10.9562% | 2,133 |
| Retained earnings to average equity (ytd only) | 10.9562% | 683 |
| Net charge-offs to loans | 0.0099% | 2,783 |
| Credit loss provision to net charge-offs | 1,666.6667% | 253 |
| Earnings coverage of net charge-offs (x) | 227.8611% | 389 |
| Efficiency ratio | 66.5961% | 2,879 |
| Assets per employee ($millions) | 3.9125% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,167 |
| Loan loss allowance to noncurrent loans | 400.2828% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,870 |
| Noncurrent loans to loans | 0.2789% | 3,705 |
| Net loans and leases to total assets | 79.7889% | 1,054 |
| Net loans and leases to deposits | 97.7055% | 987 |
| Net loans and leases to core deposits | 104.4838% | 1,357 |
| Total domestic deposits to total assets | 81.6626% | 3,826 |
| Equity capital to assets | 12.6224% | 1,478 |
| Core capital (leverage) ratio | 11.3377% | 2,220 |
| Tier 1 risk-based capital ratio | 11.9134% | 4,553 |
| Total risk-based capital ratio | 12.8936% | 4,596 |
| Memoranda: | ||
| Average total assets | $914,304,000 | 835 |
| Average earning assets | $827,346,670 | 855 |
| Average equity | $112,119,000 | 757 |
| Average total loans | $725,833,670 | 757 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 2,361 |
| Cost of funding earning assets | 0.5227% | 2,610 |
| Net interest margin | 3.8255% | 2,317 |
| Noninterest income to average assets | 1.7631% | 322 |
| Noninterest expense to average assets | 3.6036% | 867 |
| Loan and lease loss provision to assets | 0.1333% | 1,414 |
| Net operating income to assets | 1.1942% | 2,030 |
| Return on assets (ROA) | 1.1942% | 2,046 |
| Pretax return on assets | 1.4871% | 1,710 |
| Return on Equity (ROE) | 9.8906% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.8906% | 1,194 |
| Net charge-offs to loans | 0.0056% | 2,531 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 364.6000% | 187 |
| Efficiency ratio | 68.9638% | 2,675 |
| Assets per employee ($millions) | 3.8504% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,107 |
| Loan loss allowance to noncurrent loans | 354.1146% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 3,830 |
| Noncurrent loans to loans | 0.3241% | 3,603 |
| Net loans and leases to total assets | 76.6033% | 1,439 |
| Net loans and leases to deposits | 92.3383% | 1,416 |
| Net loans and leases to core deposits | 111.2381% | 929 |
| Total domestic deposits to total assets | 82.9593% | 3,681 |
| Equity capital to assets | 12.5379% | 1,462 |
| Core capital (leverage) ratio | 11.2489% | 2,210 |
| Tier 1 risk-based capital ratio | 12.2349% | 4,414 |
| Total risk-based capital ratio | 13.2421% | 4,448 |
| Memoranda: | ||
| Average total assets | $899,997,500 | 855 |
| Average earning assets | $814,222,000 | 872 |
| Average equity | $108,669,000 | 781 |
| Average total loans | $708,332,000 | 775 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,582 |
| Cost of funding earning assets | 0.4935% | 2,389 |
| Net interest margin | 3.7356% | 2,656 |
| Noninterest income to average assets | 1.9521% | 308 |
| Noninterest expense to average assets | 3.4683% | 1,088 |
| Loan and lease loss provision to assets | 0.0471% | 3,281 |
| Net operating income to assets | 1.4430% | 919 |
| Return on assets (ROA) | 1.4541% | 909 |
| Pretax return on assets | 1.8322% | 732 |
| Return on Equity (ROE) | 12.8927% | 978 |
| Retained earnings to average equity (ytd only) | 10.8026% | 264 |
| Net charge-offs to loans | 0.0293% | 3,221 |
| Credit loss provision to net charge-offs | 205.1282% | 1,330 |
| Earnings coverage of net charge-offs (x) | 81.1590% | 766 |
| Efficiency ratio | 65.0027% | 3,444 |
| Assets per employee ($millions) | 3.7432% | 4,375 |
| Cash dividends to net income (ytd only)* | 16.2114% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,176 |
| Loan loss allowance to noncurrent loans | 293.3777% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,644 |
| Noncurrent loans to loans | 0.3858% | 3,375 |
| Net loans and leases to total assets | 79.0762% | 1,103 |
| Net loans and leases to deposits | 94.5121% | 1,218 |
| Net loans and leases to core deposits | 113.1736% | 833 |
| Total domestic deposits to total assets | 83.6678% | 3,322 |
| Equity capital to assets | 11.5853% | 2,127 |
| Core capital (leverage) ratio | 9.7231% | 3,780 |
| Tier 1 risk-based capital ratio | 10.5385% | 5,358 |
| Total risk-based capital ratio | 11.5357% | 5,374 |
| Memoranda: | ||
| Average total assets | $848,429,600 | 879 |
| Average earning assets | $768,018,800 | 894 |
| Average equity | $95,690,000 | 857 |
| Average total loans | $665,005,200 | 786 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,794 |
| Cost of funding earning assets | 0.4834% | 2,404 |
| Net interest margin | 3.6660% | 2,885 |
| Noninterest income to average assets | 1.9991% | 312 |
| Noninterest expense to average assets | 3.4625% | 1,050 |
| Loan and lease loss provision to assets | 0.0317% | 3,487 |
| Net operating income to assets | 1.2413% | 1,543 |
| Return on assets (ROA) | 1.2541% | 1,521 |
| Pretax return on assets | 1.8437% | 797 |
| Return on Equity (ROE) | 11.1991% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.3696% | 1,067 |
| Net charge-offs to loans | 0.0335% | 2,762 |
| Credit loss provision to net charge-offs | 121.2121% | 1,992 |
| Earnings coverage of net charge-offs (x) | 71.0196% | 884 |
| Efficiency ratio | 65.0731% | 3,365 |
| Assets per employee ($millions) | 3.7201% | 4,420 |
| Cash dividends to net income (ytd only)* | 25.2653% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,274 |
| Loan loss allowance to noncurrent loans | 325.7767% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 3,909 |
| Noncurrent loans to loans | 0.3489% | 3,699 |
| Net loans and leases to total assets | 78.5454% | 1,191 |
| Net loans and leases to deposits | 93.7070% | 1,331 |
| Net loans and leases to core deposits | 113.2424% | 880 |
| Total domestic deposits to total assets | 83.8202% | 3,186 |
| Equity capital to assets | 11.3467% | 2,524 |
| Core capital (leverage) ratio | 9.4530% | 4,224 |
| Tier 1 risk-based capital ratio | 10.3925% | 5,490 |
| Total risk-based capital ratio | 11.4097% | 5,514 |
| Memoranda: | ||
| Average total assets | $841,562,000 | 891 |
| Average earning assets | $762,117,750 | 908 |
| Average equity | $94,243,500 | 875 |
| Average total loans | $656,117,000 | 795 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,948 |
| Cost of funding earning assets | 0.4673% | 2,437 |
| Net interest margin | 3.6003% | 3,041 |
| Noninterest income to average assets | 1.9157% | 333 |
| Noninterest expense to average assets | 3.3981% | 1,171 |
| Loan and lease loss provision to assets | 0.0479% | 3,036 |
| Net operating income to assets | 1.1699% | 1,701 |
| Return on assets (ROA) | 1.1699% | 1,743 |
| Pretax return on assets | 1.7280% | 995 |
| Return on Equity (ROE) | 10.4943% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.2004% | 2,018 |
| Net charge-offs to loans | 0.0309% | 2,587 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 74.2000% | 810 |
| Efficiency ratio | 65.6490% | 3,405 |
| Assets per employee ($millions) | 3.6637% | 4,490 |
| Cash dividends to net income (ytd only)* | 40.9165% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,114 |
| Loan loss allowance to noncurrent loans | 319.3878% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 3,927 |
| Noncurrent loans to loans | 0.3706% | 3,701 |
| Net loans and leases to total assets | 77.1828% | 1,365 |
| Net loans and leases to deposits | 91.7153% | 1,537 |
| Net loans and leases to core deposits | 110.5979% | 979 |
| Total domestic deposits to total assets | 84.1548% | 3,140 |
| Equity capital to assets | 11.1644% | 2,640 |
| Core capital (leverage) ratio | 9.1533% | 4,551 |
| Tier 1 risk-based capital ratio | 10.3371% | 5,526 |
| Total risk-based capital ratio | 11.3971% | 5,540 |
| Memoranda: | ||
| Average total assets | $835,633,000 | 904 |
| Average earning assets | $756,261,670 | 920 |
| Average equity | $93,155,330 | 886 |
| Average total loans | $647,243,000 | 812 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,201 |
| Cost of funding earning assets | 0.4467% | 2,557 |
| Net interest margin | 3.5051% | 3,253 |
| Noninterest income to average assets | 1.7666% | 373 |
| Noninterest expense to average assets | 3.3150% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0984% | 1,880 |
| Return on assets (ROA) | 1.0984% | 1,921 |
| Pretax return on assets | 1.6197% | 1,184 |
| Return on Equity (ROE) | 9.8605% | 2,023 |
| Retained earnings to average equity (ytd only) | 9.8605% | 841 |
| Net charge-offs to loans | 0.0287% | 2,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 73.0870% | 698 |
| Efficiency ratio | 67.1483% | 3,320 |
| Assets per employee ($millions) | 3.7595% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 3,044 |
| Loan loss allowance to noncurrent loans | 322.5115% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 3,625 |
| Noncurrent loans to loans | 0.3768% | 3,744 |
| Net loans and leases to total assets | 73.7860% | 1,777 |
| Net loans and leases to deposits | 86.9834% | 1,915 |
| Net loans and leases to core deposits | 104.5624% | 1,194 |
| Total domestic deposits to total assets | 84.8276% | 3,154 |
| Equity capital to assets | 11.0738% | 2,559 |
| Core capital (leverage) ratio | 9.3985% | 4,234 |
| Tier 1 risk-based capital ratio | 10.6696% | 5,473 |
| Total risk-based capital ratio | 11.7463% | 5,467 |
| Memoranda: | ||
| Average total assets | $830,297,000 | 911 |
| Average earning assets | $750,439,500 | 927 |
| Average equity | $92,490,500 | 883 |
| Average total loans | $640,351,000 | 822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,842 |
| Cost of funding earning assets | 0.4160% | 2,853 |
| Net interest margin | 3.6860% | 2,755 |
| Noninterest income to average assets | 2.1593% | 307 |
| Noninterest expense to average assets | 3.6135% | 997 |
| Loan and lease loss provision to assets | 0.0970% | 2,428 |
| Net operating income to assets | 1.2122% | 1,465 |
| Return on assets (ROA) | 1.2350% | 1,483 |
| Pretax return on assets | 1.8190% | 763 |
| Return on Equity (ROE) | 11.0873% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.0873% | 297 |
| Net charge-offs to loans | 0.0040% | 4,111 |
| Credit loss provision to net charge-offs | 3,162.5000% | 136 |
| Earnings coverage of net charge-offs (x) | 613.6667% | 136 |
| Efficiency ratio | 65.7170% | 3,640 |
| Assets per employee ($millions) | 3.7032% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,176 |
| Loan loss allowance to noncurrent loans | 282.2433% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 3,427 |
| Noncurrent loans to loans | 0.4218% | 3,629 |
| Net loans and leases to total assets | 78.6973% | 1,092 |
| Net loans and leases to deposits | 94.4868% | 1,148 |
| Net loans and leases to core deposits | 112.1173% | 779 |
| Total domestic deposits to total assets | 83.2892% | 3,663 |
| Equity capital to assets | 11.2076% | 2,412 |
| Core capital (leverage) ratio | 9.3092% | 4,340 |
| Tier 1 risk-based capital ratio | 10.2786% | 5,665 |
| Total risk-based capital ratio | 11.3490% | 5,658 |
| Memoranda: | ||
| Average total assets | $782,345,200 | 922 |
| Average earning assets | $708,229,800 | 941 |
| Average equity | $87,145,000 | 913 |
| Average total loans | $607,304,600 | 818 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 2,892 |
| Cost of funding earning assets | 0.4085% | 2,941 |
| Net interest margin | 3.6875% | 2,766 |
| Noninterest income to average assets | 2.0475% | 339 |
| Noninterest expense to average assets | 3.5865% | 1,016 |
| Loan and lease loss provision to assets | 0.0443% | 3,353 |
| Net operating income to assets | 1.1935% | 1,658 |
| Return on assets (ROA) | 1.2242% | 1,642 |
| Pretax return on assets | 1.8009% | 899 |
| Return on Equity (ROE) | 11.0081% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.0081% | 429 |
| Net charge-offs to loans | -0.0163% | 4,943 |
| Credit loss provision to net charge-offs | -352.0548% | 4,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5505% | 3,495 |
| Assets per employee ($millions) | 3.7052% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,421 |
| Loan loss allowance to noncurrent loans | 253.2872% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,942 |
| Noncurrent loans to loans | 0.4622% | 3,628 |
| Net loans and leases to total assets | 77.2067% | 1,320 |
| Net loans and leases to deposits | 92.5242% | 1,429 |
| Net loans and leases to core deposits | 107.9225% | 1,059 |
| Total domestic deposits to total assets | 83.4449% | 3,429 |
| Equity capital to assets | 11.2382% | 2,754 |
| Core capital (leverage) ratio | 9.2821% | 4,480 |
| Tier 1 risk-based capital ratio | 10.3599% | 5,672 |
| Total risk-based capital ratio | 11.4086% | 5,692 |
| Memoranda: | ||
| Average total assets | $774,256,500 | 929 |
| Average earning assets | $701,087,250 | 947 |
| Average equity | $86,104,250 | 926 |
| Average total loans | $596,912,750 | 835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,055 |
| Cost of funding earning assets | 0.3992% | 3,053 |
| Net interest margin | 3.6532% | 2,881 |
| Noninterest income to average assets | 1.8593% | 386 |
| Noninterest expense to average assets | 3.4855% | 1,186 |
| Loan and lease loss provision to assets | 0.0669% | 2,802 |
| Net operating income to assets | 1.0998% | 1,956 |
| Return on assets (ROA) | 1.1359% | 1,937 |
| Pretax return on assets | 1.6662% | 1,180 |
| Return on Equity (ROE) | 10.2517% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.2517% | 553 |
| Net charge-offs to loans | -0.0694% | 5,498 |
| Credit loss provision to net charge-offs | -125.4902% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4404% | 3,463 |
| Assets per employee ($millions) | 3.6822% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,269 |
| Loan loss allowance to noncurrent loans | 111.3270% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,435 |
| Noncurrent loans to loans | 1.0913% | 2,104 |
| Net loans and leases to total assets | 76.5185% | 1,410 |
| Net loans and leases to deposits | 92.4714% | 1,452 |
| Net loans and leases to core deposits | 109.2249% | 968 |
| Total domestic deposits to total assets | 82.7483% | 3,744 |
| Equity capital to assets | 11.0520% | 3,003 |
| Core capital (leverage) ratio | 9.0646% | 4,759 |
| Tier 1 risk-based capital ratio | 10.0595% | 5,834 |
| Total risk-based capital ratio | 11.1371% | 5,838 |
| Memoranda: | ||
| Average total assets | $765,566,330 | 937 |
| Average earning assets | $692,875,330 | 963 |
| Average equity | $84,825,000 | 935 |
| Average total loans | $587,475,000 | 845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,170 |
| Cost of funding earning assets | 0.3859% | 3,231 |
| Net interest margin | 3.6294% | 2,970 |
| Noninterest income to average assets | 1.6446% | 442 |
| Noninterest expense to average assets | 3.4168% | 1,349 |
| Loan and lease loss provision to assets | 0.1355% | 1,551 |
| Net operating income to assets | 0.9401% | 2,563 |
| Return on assets (ROA) | 0.9802% | 2,484 |
| Pretax return on assets | 1.4309% | 1,800 |
| Return on Equity (ROE) | 8.8346% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.8346% | 1,163 |
| Net charge-offs to loans | 0.0278% | 2,382 |
| Credit loss provision to net charge-offs | 637.5000% | 504 |
| Earnings coverage of net charge-offs (x) | 70.9000% | 685 |
| Efficiency ratio | 69.3545% | 3,237 |
| Assets per employee ($millions) | 3.6667% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 3,286 |
| Loan loss allowance to noncurrent loans | 109.4320% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 2,430 |
| Noncurrent loans to loans | 1.1273% | 2,140 |
| Net loans and leases to total assets | 74.5566% | 1,639 |
| Net loans and leases to deposits | 89.3089% | 1,660 |
| Net loans and leases to core deposits | 102.8222% | 1,276 |
| Total domestic deposits to total assets | 83.4817% | 3,718 |
| Equity capital to assets | 10.9524% | 2,996 |
| Core capital (leverage) ratio | 9.0092% | 4,845 |
| Tier 1 risk-based capital ratio | 10.1903% | 5,865 |
| Total risk-based capital ratio | 11.2866% | 5,847 |
| Memoranda: | ||
| Average total assets | $752,517,000 | 954 |
| Average earning assets | $679,997,000 | 978 |
| Average equity | $83,490,000 | 951 |
| Average total loans | $574,602,500 | 856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,158 |
| Cost of funding earning assets | 0.3694% | 3,495 |
| Net interest margin | 3.6701% | 2,862 |
| Noninterest income to average assets | 2.0698% | 346 |
| Noninterest expense to average assets | 3.5167% | 1,263 |
| Loan and lease loss provision to assets | 0.1555% | 1,506 |
| Net operating income to assets | 1.1766% | 1,642 |
| Return on assets (ROA) | 1.1766% | 1,720 |
| Pretax return on assets | 1.7095% | 970 |
| Return on Equity (ROE) | 10.6570% | 1,734 |
| Retained earnings to average equity (ytd only) | 9.3836% | 564 |
| Net charge-offs to loans | 0.1649% | 1,718 |
| Credit loss provision to net charge-offs | 124.6900% | 2,086 |
| Earnings coverage of net charge-offs (x) | 14.9549% | 2,244 |
| Efficiency ratio | 64.8231% | 4,113 |
| Assets per employee ($millions) | 3.5503% | 4,725 |
| Cash dividends to net income (ytd only)* | 11.9489% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,267 |
| Loan loss allowance to noncurrent loans | 105.1760% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 2,313 |
| Noncurrent loans to loans | 1.1759% | 2,009 |
| Net loans and leases to total assets | 76.3215% | 1,355 |
| Net loans and leases to deposits | 93.6350% | 1,235 |
| Net loans and leases to core deposits | 105.0250% | 1,161 |
| Total domestic deposits to total assets | 81.5096% | 4,330 |
| Equity capital to assets | 11.2454% | 2,594 |
| Core capital (leverage) ratio | 9.0999% | 4,757 |
| Tier 1 risk-based capital ratio | 10.2336% | 5,885 |
| Total risk-based capital ratio | 11.3355% | 5,860 |
| Memoranda: | ||
| Average total assets | $711,266,800 | 978 |
| Average earning assets | $641,833,400 | 988 |
| Average equity | $78,530,400 | 968 |
| Average total loans | $537,803,000 | 871 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,180 |
| Cost of funding earning assets | 0.3725% | 3,514 |
| Net interest margin | 3.6653% | 2,908 |
| Noninterest income to average assets | 2.1163% | 331 |
| Noninterest expense to average assets | 3.5079% | 1,270 |
| Loan and lease loss provision to assets | 0.1805% | 1,155 |
| Net operating income to assets | 1.1950% | 1,668 |
| Return on assets (ROA) | 1.1950% | 1,731 |
| Pretax return on assets | 1.7363% | 1,014 |
| Return on Equity (ROE) | 10.8758% | 1,751 |
| Retained earnings to average equity (ytd only) | 9.1576% | 853 |
| Net charge-offs to loans | 0.1635% | 1,519 |
| Credit loss provision to net charge-offs | 146.8510% | 1,715 |
| Earnings coverage of net charge-offs (x) | 15.5960% | 2,169 |
| Efficiency ratio | 64.0983% | 4,230 |
| Assets per employee ($millions) | 3.5722% | 4,670 |
| Cash dividends to net income (ytd only)* | 15.7978% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,161 |
| Loan loss allowance to noncurrent loans | 104.9540% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 2,441 |
| Noncurrent loans to loans | 1.2271% | 2,080 |
| Net loans and leases to total assets | 75.5332% | 1,453 |
| Net loans and leases to deposits | 92.8918% | 1,320 |
| Net loans and leases to core deposits | 103.5803% | 1,258 |
| Total domestic deposits to total assets | 81.3131% | 4,388 |
| Equity capital to assets | 11.2413% | 2,757 |
| Core capital (leverage) ratio | 8.9840% | 5,008 |
| Tier 1 risk-based capital ratio | 10.4800% | 5,889 |
| Total risk-based capital ratio | 11.6586% | 5,853 |
| Memoranda: | ||
| Average total assets | $706,242,250 | 990 |
| Average earning assets | $637,464,750 | 1,003 |
| Average equity | $77,601,750 | 986 |
| Average total loans | $530,959,000 | 892 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,405 |
| Cost of funding earning assets | 0.3753% | 3,550 |
| Net interest margin | 3.5948% | 3,112 |
| Noninterest income to average assets | 2.1383% | 337 |
| Noninterest expense to average assets | 3.5417% | 1,236 |
| Loan and lease loss provision to assets | 0.2435% | 736 |
| Net operating income to assets | 1.1046% | 1,935 |
| Return on assets (ROA) | 1.1046% | 2,023 |
| Pretax return on assets | 1.5990% | 1,329 |
| Return on Equity (ROE) | 10.1326% | 2,009 |
| Retained earnings to average equity (ytd only) | 7.5204% | 1,465 |
| Net charge-offs to loans | 0.2363% | 1,095 |
| Credit loss provision to net charge-offs | 137.9032% | 1,624 |
| Earnings coverage of net charge-offs (x) | 10.4355% | 2,362 |
| Efficiency ratio | 65.2034% | 4,149 |
| Assets per employee ($millions) | 3.5454% | 4,717 |
| Cash dividends to net income (ytd only)* | 25.7798% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 3,155 |
| Loan loss allowance to noncurrent loans | 199.1472% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 3,867 |
| Noncurrent loans to loans | 0.6607% | 3,500 |
| Net loans and leases to total assets | 74.4765% | 1,587 |
| Net loans and leases to deposits | 91.6226% | 1,409 |
| Net loans and leases to core deposits | 101.8114% | 1,343 |
| Total domestic deposits to total assets | 81.2862% | 4,524 |
| Equity capital to assets | 11.0349% | 2,853 |
| Core capital (leverage) ratio | 8.6548% | 5,363 |
| Tier 1 risk-based capital ratio | 10.7210% | 5,834 |
| Total risk-based capital ratio | 11.9632% | 5,775 |
| Memoranda: | ||
| Average total assets | $702,321,000 | 995 |
| Average earning assets | $634,146,000 | 1,009 |
| Average equity | $76,564,670 | 1,005 |
| Average total loans | $524,809,000 | 905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,605 |
| Cost of funding earning assets | 0.3741% | 3,602 |
| Net interest margin | 3.5274% | 3,312 |
| Noninterest income to average assets | 1.9015% | 383 |
| Noninterest expense to average assets | 3.4902% | 1,333 |
| Loan and lease loss provision to assets | 0.2021% | 914 |
| Net operating income to assets | 0.9716% | 2,385 |
| Return on assets (ROA) | 0.9716% | 2,521 |
| Pretax return on assets | 1.3957% | 1,901 |
| Return on Equity (ROE) | 8.9675% | 2,458 |
| Retained earnings to average equity (ytd only) | 6.3331% | 2,320 |
| Net charge-offs to loans | 0.2265% | 1,038 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.4881% | 2,007 |
| Efficiency ratio | 67.9906% | 3,827 |
| Assets per employee ($millions) | 3.7670% | 4,398 |
| Cash dividends to net income (ytd only)* | 29.3772% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 3,332 |
| Loan loss allowance to noncurrent loans | 154.6298% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 3,567 |
| Noncurrent loans to loans | 0.8487% | 3,124 |
| Net loans and leases to total assets | 71.7617% | 1,846 |
| Net loans and leases to deposits | 87.2119% | 1,706 |
| Net loans and leases to core deposits | 96.7454% | 1,572 |
| Total domestic deposits to total assets | 82.2843% | 4,422 |
| Equity capital to assets | 10.7153% | 3,307 |
| Core capital (leverage) ratio | 8.5331% | 5,491 |
| Tier 1 risk-based capital ratio | 10.8795% | 5,862 |
| Total risk-based capital ratio | 12.1295% | 5,787 |
| Memoranda: | ||
| Average total assets | $700,710,000 | 994 |
| Average earning assets | $632,987,000 | 1,013 |
| Average equity | $75,919,000 | 1,010 |
| Average total loans | $520,978,500 | 907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,188 |
| Cost of funding earning assets | 0.3953% | 3,740 |
| Net interest margin | 3.7387% | 2,853 |
| Noninterest income to average assets | 1.7537% | 416 |
| Noninterest expense to average assets | 3.5546% | 1,381 |
| Loan and lease loss provision to assets | 0.0700% | 3,084 |
| Net operating income to assets | 1.0370% | 2,227 |
| Return on assets (ROA) | 1.0540% | 2,212 |
| Pretax return on assets | 1.5055% | 1,520 |
| Return on Equity (ROE) | 9.4300% | 2,371 |
| Retained earnings to average equity (ytd only) | 2.6478% | 4,359 |
| Net charge-offs to loans | 0.1300% | 2,715 |
| Credit loss provision to net charge-offs | 70.5344% | 3,064 |
| Earnings coverage of net charge-offs (x) | 15.6214% | 2,069 |
| Efficiency ratio | 68.5136% | 3,803 |
| Assets per employee ($millions) | 3.7675% | 4,410 |
| Cash dividends to net income (ytd only)* | 71.9217% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 3,433 |
| Loan loss allowance to noncurrent loans | 146.9401% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 3,441 |
| Noncurrent loans to loans | 0.8836% | 3,109 |
| Net loans and leases to total assets | 75.0683% | 1,410 |
| Net loans and leases to deposits | 91.2581% | 1,369 |
| Net loans and leases to core deposits | 101.0410% | 1,316 |
| Total domestic deposits to total assets | 82.2594% | 4,325 |
| Equity capital to assets | 10.9591% | 2,933 |
| Core capital (leverage) ratio | 8.5533% | 5,496 |
| Tier 1 risk-based capital ratio | 10.7319% | 6,015 |
| Total risk-based capital ratio | 11.9821% | 5,952 |
| Memoranda: | ||
| Average total assets | $659,590,800 | 1,012 |
| Average earning assets | $591,415,800 | 1,035 |
| Average equity | $73,722,200 | 990 |
| Average total loans | $503,667,800 | 887 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 3,133 |
| Cost of funding earning assets | 0.4006% | 3,779 |
| Net interest margin | 3.7579% | 2,780 |
| Noninterest income to average assets | 1.7940% | 408 |
| Noninterest expense to average assets | 3.5824% | 1,325 |
| Loan and lease loss provision to assets | 0.0637% | 3,079 |
| Net operating income to assets | 1.0587% | 2,204 |
| Return on assets (ROA) | 1.0667% | 2,237 |
| Pretax return on assets | 1.5245% | 1,567 |
| Return on Equity (ROE) | 9.4955% | 2,450 |
| Retained earnings to average equity (ytd only) | 2.6805% | 4,683 |
| Net charge-offs to loans | 0.1501% | 2,288 |
| Credit loss provision to net charge-offs | 55.5160% | 3,023 |
| Earnings coverage of net charge-offs (x) | 13.7421% | 2,201 |
| Efficiency ratio | 68.1836% | 3,825 |
| Assets per employee ($millions) | 3.5845% | 4,708 |
| Cash dividends to net income (ytd only)* | 71.7704% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 3,600 |
| Loan loss allowance to noncurrent loans | 209.5848% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 4,173 |
| Noncurrent loans to loans | 0.6248% | 4,050 |
| Net loans and leases to total assets | 75.8871% | 1,240 |
| Net loans and leases to deposits | 93.6384% | 1,070 |
| Net loans and leases to core deposits | 103.7487% | 1,115 |
| Total domestic deposits to total assets | 81.0427% | 4,812 |
| Equity capital to assets | 11.1864% | 2,779 |
| Core capital (leverage) ratio | 8.6689% | 5,484 |
| Tier 1 risk-based capital ratio | 10.8550% | 6,061 |
| Total risk-based capital ratio | 12.1056% | 6,011 |
| Memoranda: | ||
| Average total assets | $653,067,000 | 1,033 |
| Average earning assets | $584,822,750 | 1,054 |
| Average equity | $73,366,500 | 998 |
| Average total loans | $499,208,750 | 901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,313 |
| Cost of funding earning assets | 0.3988% | 3,880 |
| Net interest margin | 3.7075% | 2,932 |
| Noninterest income to average assets | 1.6249% | 483 |
| Noninterest expense to average assets | 3.5758% | 1,340 |
| Loan and lease loss provision to assets | 0.0497% | 3,310 |
| Net operating income to assets | 0.9251% | 2,679 |
| Return on assets (ROA) | 0.9372% | 2,720 |
| Pretax return on assets | 1.3338% | 2,137 |
| Return on Equity (ROE) | 8.3304% | 2,921 |
| Retained earnings to average equity (ytd only) | 1.4775% | 5,152 |
| Net charge-offs to loans | 0.2252% | 1,691 |
| Credit loss provision to net charge-offs | 28.9048% | 3,069 |
| Earnings coverage of net charge-offs (x) | 7.9533% | 2,557 |
| Efficiency ratio | 70.7207% | 3,532 |
| Assets per employee ($millions) | 3.5903% | 4,685 |
| Cash dividends to net income (ytd only)* | 82.2639% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,984 |
| Loan loss allowance to noncurrent loans | 157.1292% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 3,857 |
| Noncurrent loans to loans | 0.8126% | 3,678 |
| Net loans and leases to total assets | 76.4590% | 1,107 |
| Net loans and leases to deposits | 95.4953% | 841 |
| Net loans and leases to core deposits | 106.7028% | 856 |
| Total domestic deposits to total assets | 80.0657% | 5,221 |
| Equity capital to assets | 11.0992% | 2,791 |
| Core capital (leverage) ratio | 8.7280% | 5,362 |
| Tier 1 risk-based capital ratio | 10.7016% | 6,173 |
| Total risk-based capital ratio | 11.9518% | 6,123 |
| Memoranda: | ||
| Average total assets | $648,519,330 | 1,043 |
| Average earning assets | $580,234,330 | 1,062 |
| Average equity | $72,961,670 | 997 |
| Average total loans | $494,725,000 | 899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,612 |
| Cost of funding earning assets | 0.4029% | 3,936 |
| Net interest margin | 3.6140% | 3,193 |
| Noninterest income to average assets | 1.4379% | 567 |
| Noninterest expense to average assets | 3.4551% | 1,580 |
| Loan and lease loss provision to assets | 0.0062% | 3,739 |
| Net operating income to assets | 0.8628% | 2,838 |
| Return on assets (ROA) | 0.8628% | 2,900 |
| Pretax return on assets | 1.2081% | 2,458 |
| Return on Equity (ROE) | 7.6163% | 3,141 |
| Retained earnings to average equity (ytd only) | 0.7275% | 5,300 |
| Net charge-offs to loans | 0.2038% | 1,526 |
| Credit loss provision to net charge-offs | 4.0486% | 2,654 |
| Earnings coverage of net charge-offs (x) | 7.8745% | 2,077 |
| Efficiency ratio | 72.2423% | 3,444 |
| Assets per employee ($millions) | 3.4287% | 5,081 |
| Cash dividends to net income (ytd only)* | 90.4486% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,717 |
| Loan loss allowance to noncurrent loans | 147.2417% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 3,740 |
| Noncurrent loans to loans | 0.9340% | 3,551 |
| Net loans and leases to total assets | 74.4363% | 1,201 |
| Net loans and leases to deposits | 89.3948% | 1,213 |
| Net loans and leases to core deposits | 99.0539% | 1,170 |
| Total domestic deposits to total assets | 83.2669% | 4,509 |
| Equity capital to assets | 11.2364% | 2,491 |
| Core capital (leverage) ratio | 8.8038% | 5,261 |
| Tier 1 risk-based capital ratio | 11.1076% | 6,114 |
| Total risk-based capital ratio | 12.3590% | 6,063 |
| Memoranda: | ||
| Average total assets | $640,673,000 | 1,064 |
| Average earning assets | $572,886,000 | 1,080 |
| Average equity | $72,581,500 | 1,003 |
| Average total loans | $484,878,500 | 923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 2,638 |
| Cost of funding earning assets | 0.4551% | 4,065 |
| Net interest margin | 3.9302% | 2,179 |
| Noninterest income to average assets | 2.0291% | 383 |
| Noninterest expense to average assets | 3.7979% | 1,140 |
| Loan and lease loss provision to assets | 0.1425% | 2,524 |
| Net operating income to assets | 1.1107% | 1,900 |
| Return on assets (ROA) | 1.1159% | 1,949 |
| Pretax return on assets | 1.6106% | 1,144 |
| Return on Equity (ROE) | 9.8864% | 2,157 |
| Retained earnings to average equity (ytd only) | 4.3017% | 3,112 |
| Net charge-offs to loans | 0.1587% | 3,216 |
| Credit loss provision to net charge-offs | 120.3728% | 1,983 |
| Earnings coverage of net charge-offs (x) | 14.7483% | 1,923 |
| Efficiency ratio | 66.9083% | 4,384 |
| Assets per employee ($millions) | 3.2986% | 5,298 |
| Cash dividends to net income (ytd only)* | 56.4892% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,419 |
| Loan loss allowance to noncurrent loans | 143.8249% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 3,719 |
| Noncurrent loans to loans | 1.0073% | 3,498 |
| Net loans and leases to total assets | 74.7964% | 1,244 |
| Net loans and leases to deposits | 90.2347% | 1,220 |
| Net loans and leases to core deposits | 100.8671% | 1,095 |
| Total domestic deposits to total assets | 82.8910% | 4,581 |
| Equity capital to assets | 11.4237% | 2,223 |
| Core capital (leverage) ratio | 8.7954% | 5,289 |
| Tier 1 risk-based capital ratio | 11.2508% | 6,049 |
| Total risk-based capital ratio | 12.5031% | 5,990 |
| Memoranda: | ||
| Average total assets | $634,532,800 | 1,056 |
| Average earning assets | $567,405,800 | 1,071 |
| Average equity | $71,623,400 | 992 |
| Average total loans | $473,304,400 | 900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 2,427 |
| Cost of funding earning assets | 0.4656% | 4,107 |
| Net interest margin | 3.9833% | 1,999 |
| Noninterest income to average assets | 2.1273% | 381 |
| Noninterest expense to average assets | 3.8852% | 985 |
| Loan and lease loss provision to assets | 0.1897% | 1,935 |
| Net operating income to assets | 1.1177% | 1,943 |
| Return on assets (ROA) | 1.1247% | 1,982 |
| Pretax return on assets | 1.6237% | 1,286 |
| Return on Equity (ROE) | 9.9939% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.3951% | 3,547 |
| Net charge-offs to loans | 0.1680% | 2,876 |
| Credit loss provision to net charge-offs | 152.0202% | 1,550 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 1,945 |
| Efficiency ratio | 66.6937% | 4,358 |
| Assets per employee ($millions) | 3.3796% | 5,106 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 3,497 |
| Loan loss allowance to noncurrent loans | 127.6214% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 3,437 |
| Noncurrent loans to loans | 1.1680% | 3,487 |
| Net loans and leases to total assets | 74.4517% | 1,220 |
| Net loans and leases to deposits | 89.8014% | 1,189 |
| Net loans and leases to core deposits | 100.7742% | 1,064 |
| Total domestic deposits to total assets | 82.9071% | 4,616 |
| Equity capital to assets | 11.3856% | 2,394 |
| Core capital (leverage) ratio | 8.8192% | 5,389 |
| Tier 1 risk-based capital ratio | 11.1842% | 6,199 |
| Total risk-based capital ratio | 12.4372% | 6,165 |
| Memoranda: | ||
| Average total assets | $634,834,500 | 1,063 |
| Average earning assets | $567,555,250 | 1,081 |
| Average equity | $71,442,000 | 1,006 |
| Average total loans | $471,463,250 | 901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 2,238 |
| Cost of funding earning assets | 0.4775% | 4,124 |
| Net interest margin | 4.0118% | 1,815 |
| Noninterest income to average assets | 2.1101% | 412 |
| Noninterest expense to average assets | 3.9454% | 924 |
| Loan and lease loss provision to assets | 0.1573% | 2,352 |
| Net operating income to assets | 1.1052% | 1,909 |
| Return on assets (ROA) | 1.1095% | 2,013 |
| Pretax return on assets | 1.6027% | 1,372 |
| Return on Equity (ROE) | 9.8974% | 2,237 |
| Retained earnings to average equity (ytd only) | 4.2851% | 3,565 |
| Net charge-offs to loans | 0.1270% | 3,106 |
| Credit loss provision to net charge-offs | 167.7852% | 1,400 |
| Earnings coverage of net charge-offs (x) | 18.7081% | 1,542 |
| Efficiency ratio | 67.5388% | 4,257 |
| Assets per employee ($millions) | 3.4100% | 5,036 |
| Cash dividends to net income (ytd only)* | 56.7054% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,686 |
| Loan loss allowance to noncurrent loans | 159.9316% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 3,750 |
| Noncurrent loans to loans | 0.9237% | 4,075 |
| Net loans and leases to total assets | 74.1431% | 1,228 |
| Net loans and leases to deposits | 90.9530% | 1,057 |
| Net loans and leases to core deposits | 99.7071% | 1,103 |
| Total domestic deposits to total assets | 81.5180% | 5,211 |
| Equity capital to assets | 11.2889% | 2,481 |
| Core capital (leverage) ratio | 8.6136% | 5,538 |
| Tier 1 risk-based capital ratio | 11.1180% | 6,285 |
| Total risk-based capital ratio | 12.3709% | 6,259 |
| Memoranda: | ||
| Average total assets | $635,786,000 | 1,062 |
| Average earning assets | $568,768,000 | 1,073 |
| Average equity | $71,271,000 | 1,014 |
| Average total loans | $469,404,330 | 903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 2,208 |
| Cost of funding earning assets | 0.4889% | 4,192 |
| Net interest margin | 3.9988% | 1,789 |
| Noninterest income to average assets | 2.0305% | 428 |
| Noninterest expense to average assets | 3.8430% | 1,062 |
| Loan and lease loss provision to assets | 0.1880% | 1,957 |
| Net operating income to assets | 1.0919% | 1,889 |
| Return on assets (ROA) | 1.1005% | 1,958 |
| Pretax return on assets | 1.5900% | 1,325 |
| Return on Equity (ROE) | 9.8515% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.2413% | 3,684 |
| Net charge-offs to loans | 0.1020% | 2,836 |
| Credit loss provision to net charge-offs | 252.1008% | 918 |
| Earnings coverage of net charge-offs (x) | 23.6723% | 1,096 |
| Efficiency ratio | 66.8119% | 4,519 |
| Assets per employee ($millions) | 3.3512% | 5,334 |
| Cash dividends to net income (ytd only)* | 56.9476% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,798 |
| Loan loss allowance to noncurrent loans | 146.0317% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 3,728 |
| Noncurrent loans to loans | 1.0319% | 4,074 |
| Net loans and leases to total assets | 71.3955% | 1,453 |
| Net loans and leases to deposits | 85.4867% | 1,422 |
| Net loans and leases to core deposits | 94.0628% | 1,341 |
| Total domestic deposits to total assets | 83.5165% | 4,662 |
| Equity capital to assets | 11.1819% | 2,762 |
| Core capital (leverage) ratio | 8.4905% | 5,611 |
| Tier 1 risk-based capital ratio | 11.1869% | 6,321 |
| Total risk-based capital ratio | 12.4400% | 6,300 |
| Memoranda: | ||
| Average total assets | $638,253,000 | 1,069 |
| Average earning assets | $571,065,500 | 1,081 |
| Average equity | $71,298,500 | 1,021 |
| Average total loans | $466,733,500 | 909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 2,843 |
| Cost of funding earning assets | 0.6094% | 4,255 |
| Net interest margin | 4.0314% | 2,264 |
| Noninterest income to average assets | 2.0076% | 433 |
| Noninterest expense to average assets | 3.9519% | 1,036 |
| Loan and lease loss provision to assets | 0.2143% | 2,999 |
| Net operating income to assets | 1.0178% | 2,264 |
| Return on assets (ROA) | 1.0178% | 2,477 |
| Pretax return on assets | 1.4477% | 1,863 |
| Return on Equity (ROE) | 9.1303% | 2,576 |
| Retained earnings to average equity (ytd only) | 2.6006% | 4,400 |
| Net charge-offs to loans | 0.1679% | 4,034 |
| Credit loss provision to net charge-offs | 175.3886% | 1,499 |
| Earnings coverage of net charge-offs (x) | 13.6049% | 1,809 |
| Efficiency ratio | 68.6191% | 4,033 |
| Assets per employee ($millions) | 3.4588% | 5,089 |
| Cash dividends to net income (ytd only)* | 71.5174% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,938 |
| Loan loss allowance to noncurrent loans | 128.3641% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2052% | 3,646 |
| Noncurrent loans to loans | 1.1302% | 3,954 |
| Net loans and leases to total assets | 72.6990% | 1,389 |
| Net loans and leases to deposits | 87.6286% | 1,315 |
| Net loans and leases to core deposits | 97.4771% | 1,183 |
| Total domestic deposits to total assets | 82.9627% | 4,739 |
| Equity capital to assets | 11.1598% | 2,779 |
| Core capital (leverage) ratio | 8.3557% | 5,819 |
| Tier 1 risk-based capital ratio | 10.8893% | 6,392 |
| Total risk-based capital ratio | 12.1418% | 6,363 |
| Memoranda: | ||
| Average total assets | $631,946,200 | 1,046 |
| Average earning assets | $565,305,400 | 1,067 |
| Average equity | $70,446,600 | 997 |
| Average total loans | $459,725,200 | 900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 2,840 |
| Cost of funding earning assets | 0.6363% | 4,307 |
| Net interest margin | 4.0538% | 2,277 |
| Noninterest income to average assets | 1.8555% | 466 |
| Noninterest expense to average assets | 3.9304% | 1,031 |
| Loan and lease loss provision to assets | 0.2014% | 3,069 |
| Net operating income to assets | 0.9591% | 2,708 |
| Return on assets (ROA) | 0.9591% | 2,923 |
| Pretax return on assets | 1.3552% | 2,395 |
| Return on Equity (ROE) | 8.6064% | 2,991 |
| Retained earnings to average equity (ytd only) | 5.5720% | 2,987 |
| Net charge-offs to loans | 0.1417% | 3,980 |
| Credit loss provision to net charge-offs | 196.0905% | 1,416 |
| Earnings coverage of net charge-offs (x) | 15.1544% | 1,785 |
| Efficiency ratio | 69.8124% | 3,727 |
| Assets per employee ($millions) | 3.5260% | 4,917 |
| Cash dividends to net income (ytd only)* | 35.2578% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,218 |
| Loan loss allowance to noncurrent loans | 129.2914% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 3,872 |
| Noncurrent loans to loans | 1.1101% | 4,200 |
| Net loans and leases to total assets | 73.2665% | 1,355 |
| Net loans and leases to deposits | 88.8569% | 1,265 |
| Net loans and leases to core deposits | 100.1494% | 1,108 |
| Total domestic deposits to total assets | 82.4545% | 4,853 |
| Equity capital to assets | 11.5215% | 2,721 |
| Core capital (leverage) ratio | 8.5750% | 5,660 |
| Tier 1 risk-based capital ratio | 11.1749% | 6,406 |
| Total risk-based capital ratio | 12.4271% | 6,377 |
| Memoranda: | ||
| Average total assets | $630,825,750 | 1,055 |
| Average earning assets | $565,117,000 | 1,076 |
| Average equity | $70,302,250 | 1,005 |
| Average total loans | $457,284,500 | 907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 3,063 |
| Cost of funding earning assets | 0.6709% | 4,266 |
| Net interest margin | 3.9963% | 2,522 |
| Noninterest income to average assets | 1.8244% | 463 |
| Noninterest expense to average assets | 3.9655% | 990 |
| Loan and lease loss provision to assets | 0.2060% | 3,009 |
| Net operating income to assets | 0.8745% | 3,021 |
| Return on assets (ROA) | 0.8745% | 3,281 |
| Pretax return on assets | 1.2328% | 2,792 |
| Return on Equity (ROE) | 7.9360% | 3,287 |
| Retained earnings to average equity (ytd only) | 3.3404% | 4,378 |
| Net charge-offs to loans | 0.1149% | 4,026 |
| Credit loss provision to net charge-offs | 249.4253% | 1,160 |
| Earnings coverage of net charge-offs (x) | 17.4176% | 1,529 |
| Efficiency ratio | 71.5315% | 3,515 |
| Assets per employee ($millions) | 3.4381% | 5,118 |
| Cash dividends to net income (ytd only)* | 57.9081% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,342 |
| Loan loss allowance to noncurrent loans | 126.7765% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 4,182 |
| Noncurrent loans to loans | 1.1286% | 4,272 |
| Net loans and leases to total assets | 72.4754% | 1,474 |
| Net loans and leases to deposits | 87.5196% | 1,422 |
| Net loans and leases to core deposits | 98.6846% | 1,203 |
| Total domestic deposits to total assets | 82.8105% | 4,823 |
| Equity capital to assets | 11.1571% | 2,947 |
| Core capital (leverage) ratio | 8.1440% | 6,106 |
| Tier 1 risk-based capital ratio | 10.9645% | 6,519 |
| Total risk-based capital ratio | 12.2170% | 6,494 |
| Memoranda: | ||
| Average total assets | $631,892,670 | 1,051 |
| Average earning assets | $566,066,670 | 1,074 |
| Average equity | $69,632,330 | 1,010 |
| Average total loans | $454,201,000 | 911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 3,547 |
| Cost of funding earning assets | 0.7025% | 4,258 |
| Net interest margin | 3.8880% | 2,976 |
| Noninterest income to average assets | 1.9158% | 438 |
| Noninterest expense to average assets | 4.0723% | 863 |
| Loan and lease loss provision to assets | 0.2849% | 2,186 |
| Net operating income to assets | 0.7473% | 3,639 |
| Return on assets (ROA) | 0.7473% | 3,874 |
| Pretax return on assets | 1.0403% | 3,532 |
| Return on Equity (ROE) | 6.8234% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.8234% | 2,517 |
| Net charge-offs to loans | 0.3298% | 2,332 |
| Credit loss provision to net charge-offs | 121.5633% | 1,963 |
| Earnings coverage of net charge-offs (x) | 5.6550% | 2,322 |
| Efficiency ratio | 73.6103% | 3,155 |
| Assets per employee ($millions) | 3.5448% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,624 |
| Loan loss allowance to noncurrent loans | 94.4037% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3225% | 3,904 |
| Noncurrent loans to loans | 1.4809% | 3,897 |
| Net loans and leases to total assets | 69.3516% | 1,877 |
| Net loans and leases to deposits | 82.9203% | 1,803 |
| Net loans and leases to core deposits | 93.2628% | 1,524 |
| Total domestic deposits to total assets | 83.6364% | 4,663 |
| Equity capital to assets | 10.9092% | 3,018 |
| Core capital (leverage) ratio | 8.2243% | 5,993 |
| Tier 1 risk-based capital ratio | 11.1358% | 6,476 |
| Total risk-based capital ratio | 12.3875% | 6,463 |
| Memoranda: | ||
| Average total assets | $633,255,000 | 1,048 |
| Average earning assets | $567,084,500 | 1,075 |
| Average equity | $69,350,000 | 1,007 |
| Average total loans | $449,996,000 | 918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 3,404 |
| Cost of funding earning assets | 0.9373% | 3,816 |
| Net interest margin | 3.9531% | 3,090 |
| Noninterest income to average assets | 1.3556% | 705 |
| Noninterest expense to average assets | 3.8094% | 1,334 |
| Loan and lease loss provision to assets | 0.3161% | 3,149 |
| Net operating income to assets | 0.5526% | 4,220 |
| Return on assets (ROA) | 0.7655% | 3,358 |
| Pretax return on assets | 1.0573% | 3,010 |
| Return on Equity (ROE) | 7.2424% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.2515% | 3,162 |
| Net charge-offs to loans | 0.5617% | 2,772 |
| Credit loss provision to net charge-offs | 80.4505% | 4,430 |
| Earnings coverage of net charge-offs (x) | 2.7426% | 3,850 |
| Efficiency ratio | 75.9097% | 2,903 |
| Assets per employee ($millions) | 3.4335% | 5,172 |
| Cash dividends to net income (ytd only)* | 41.2967% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,524 |
| Loan loss allowance to noncurrent loans | 79.6242% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5439% | 3,633 |
| Noncurrent loans to loans | 1.7434% | 3,545 |
| Net loans and leases to total assets | 70.8093% | 1,865 |
| Net loans and leases to deposits | 84.9104% | 1,813 |
| Net loans and leases to core deposits | 97.2890% | 1,391 |
| Total domestic deposits to total assets | 83.3930% | 4,594 |
| Equity capital to assets | 10.9946% | 2,984 |
| Core capital (leverage) ratio | 8.0091% | 6,255 |
| Tier 1 risk-based capital ratio | 10.7579% | 6,578 |
| Total risk-based capital ratio | 12.0094% | 6,556 |
| Memoranda: | ||
| Average total assets | $632,620,800 | 1,024 |
| Average earning assets | $565,156,000 | 1,048 |
| Average equity | $66,870,000 | 1,003 |
| Average total loans | $442,554,200 | 942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 3,530 |
| Cost of funding earning assets | 0.9886% | 3,759 |
| Net interest margin | 3.9163% | 3,300 |
| Noninterest income to average assets | 1.2115% | 896 |
| Noninterest expense to average assets | 3.8510% | 1,232 |
| Loan and lease loss provision to assets | 0.3572% | 2,725 |
| Net operating income to assets | 0.3737% | 5,111 |
| Return on assets (ROA) | 0.6686% | 3,949 |
| Pretax return on assets | 0.8957% | 3,781 |
| Return on Equity (ROE) | 6.3883% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.5776% | 4,193 |
| Net charge-offs to loans | 0.6591% | 2,275 |
| Credit loss provision to net charge-offs | 77.9817% | 4,210 |
| Earnings coverage of net charge-offs (x) | 1.8771% | 4,253 |
| Efficiency ratio | 79.6432% | 2,305 |
| Assets per employee ($millions) | 3.3462% | 5,370 |
| Cash dividends to net income (ytd only)* | 43.9975% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,631 |
| Loan loss allowance to noncurrent loans | 87.0081% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 3,908 |
| Noncurrent loans to loans | 1.5897% | 3,914 |
| Net loans and leases to total assets | 71.8126% | 1,752 |
| Net loans and leases to deposits | 86.2247% | 1,660 |
| Net loans and leases to core deposits | 99.0089% | 1,334 |
| Total domestic deposits to total assets | 83.2854% | 4,564 |
| Equity capital to assets | 10.9134% | 3,227 |
| Core capital (leverage) ratio | 7.9520% | 6,440 |
| Tier 1 risk-based capital ratio | 10.5971% | 6,735 |
| Total risk-based capital ratio | 11.8487% | 6,721 |
| Memoranda: | ||
| Average total assets | $634,551,500 | 1,028 |
| Average earning assets | $566,982,250 | 1,053 |
| Average equity | $66,411,250 | 1,018 |
| Average total loans | $441,014,000 | 958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 3,706 |
| Cost of funding earning assets | 1.0768% | 3,418 |
| Net interest margin | 3.8034% | 3,766 |
| Noninterest income to average assets | 1.2255% | 842 |
| Noninterest expense to average assets | 3.9339% | 1,138 |
| Loan and lease loss provision to assets | 0.4377% | 2,244 |
| Net operating income to assets | 0.1873% | 5,780 |
| Return on assets (ROA) | 0.6318% | 4,028 |
| Pretax return on assets | 0.8357% | 3,882 |
| Return on Equity (ROE) | 6.1216% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.6984% | 3,863 |
| Net charge-offs to loans | 0.7634% | 1,973 |
| Credit loss provision to net charge-offs | 83.7822% | 3,653 |
| Earnings coverage of net charge-offs (x) | 1.3178% | 4,294 |
| Efficiency ratio | 82.9760% | 1,962 |
| Assets per employee ($millions) | 3.1448% | 5,765 |
| Cash dividends to net income (ytd only)* | 39.5844% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,373 |
| Loan loss allowance to noncurrent loans | 81.7248% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6211% | 3,759 |
| Noncurrent loans to loans | 1.7675% | 3,793 |
| Net loans and leases to total assets | 71.6980% | 1,843 |
| Net loans and leases to deposits | 88.5375% | 1,426 |
| Net loans and leases to core deposits | 101.0487% | 1,254 |
| Total domestic deposits to total assets | 80.9804% | 5,535 |
| Equity capital to assets | 10.7764% | 3,200 |
| Core capital (leverage) ratio | 7.5402% | 6,716 |
| Tier 1 risk-based capital ratio | 10.6388% | 6,740 |
| Total risk-based capital ratio | 11.8915% | 6,729 |
| Memoranda: | ||
| Average total assets | $639,720,000 | 1,028 |
| Average earning assets | $571,331,000 | 1,052 |
| Average equity | $66,028,670 | 1,019 |
| Average total loans | $437,756,000 | 983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 4,550 |
| Cost of funding earning assets | 1.1016% | 3,506 |
| Net interest margin | 3.5925% | 4,602 |
| Noninterest income to average assets | 1.2086% | 871 |
| Noninterest expense to average assets | 3.5126% | 1,969 |
| Loan and lease loss provision to assets | 0.3063% | 2,719 |
| Net operating income to assets | 0.4790% | 4,582 |
| Return on assets (ROA) | 0.4790% | 4,663 |
| Pretax return on assets | 0.6022% | 4,676 |
| Return on Equity (ROE) | 4.7393% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.3151% | 4,762 |
| Net charge-offs to loans | 0.5738% | 2,052 |
| Credit loss provision to net charge-offs | 80.3859% | 3,151 |
| Earnings coverage of net charge-offs (x) | 2.3842% | 3,127 |
| Efficiency ratio | 77.2759% | 2,946 |
| Assets per employee ($millions) | 3.3511% | 5,356 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 4,022 |
| Loan loss allowance to noncurrent loans | 55.3661% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 3,349 |
| Noncurrent loans to loans | 2.7756% | 2,726 |
| Net loans and leases to total assets | 64.9797% | 3,239 |
| Net loans and leases to deposits | 82.2585% | 2,319 |
| Net loans and leases to core deposits | 93.1933% | 1,988 |
| Total domestic deposits to total assets | 78.9945% | 6,190 |
| Equity capital to assets | 10.1976% | 3,543 |
| Core capital (leverage) ratio | 7.2403% | 6,899 |
| Tier 1 risk-based capital ratio | 10.7149% | 6,683 |
| Total risk-based capital ratio | 11.9684% | 6,665 |
| Memoranda: | ||
| Average total assets | $652,965,500 | 1,018 |
| Average earning assets | $583,890,500 | 1,034 |
| Average equity | $66,001,000 | 1,013 |
| Average total loans | $433,575,500 | 1,008 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 3,940 |
| Cost of funding earning assets | 1.3672% | 3,472 |
| Net interest margin | 3.7663% | 4,077 |
| Noninterest income to average assets | 1.6675% | 526 |
| Noninterest expense to average assets | 4.0278% | 1,124 |
| Loan and lease loss provision to assets | 1.1619% | 1,359 |
| Net operating income to assets | -0.0288% | 5,890 |
| Return on assets (ROA) | 0.0190% | 5,912 |
| Pretax return on assets | -0.0986% | 5,995 |
| Return on Equity (ROE) | 0.1879% | 5,907 |
| Retained earnings to average equity (ytd only) | -0.4939% | 5,706 |
| Net charge-offs to loans | 1.7544% | 1,216 |
| Credit loss provision to net charge-offs | 96.0202% | 4,839 |
| Earnings coverage of net charge-offs (x) | 0.8171% | 5,313 |
| Efficiency ratio | 77.1212% | 2,853 |
| Assets per employee ($millions) | 3.3461% | 5,319 |
| Cash dividends to net income (ytd only)* | 362.9032% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,849 |
| Loan loss allowance to noncurrent loans | 55.7354% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 3,259 |
| Noncurrent loans to loans | 2.7499% | 2,767 |
| Net loans and leases to total assets | 65.7807% | 3,511 |
| Net loans and leases to deposits | 83.4908% | 2,533 |
| Net loans and leases to core deposits | 93.9175% | 2,267 |
| Total domestic deposits to total assets | 78.7880% | 6,138 |
| Equity capital to assets | 10.0190% | 3,724 |
| Core capital (leverage) ratio | 6.8981% | 7,069 |
| Tier 1 risk-based capital ratio | 10.4400% | 6,733 |
| Total risk-based capital ratio | 11.6936% | 6,712 |
| Memoranda: | ||
| Average total assets | $654,074,000 | 1,018 |
| Average earning assets | $581,612,600 | 1,038 |
| Average equity | $66,006,200 | 1,016 |
| Average total loans | $451,145,000 | 1,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 4,038 |
| Cost of funding earning assets | 1.4028% | 3,567 |
| Net interest margin | 3.7552% | 4,168 |
| Noninterest income to average assets | 1.5095% | 602 |
| Noninterest expense to average assets | 4.0150% | 1,027 |
| Loan and lease loss provision to assets | 1.1831% | 1,214 |
| Net operating income to assets | -0.1447% | 6,237 |
| Return on assets (ROA) | -0.0810% | 6,257 |
| Pretax return on assets | -0.2533% | 6,367 |
| Return on Equity (ROE) | -0.8010% | 6,262 |
| Retained earnings to average equity (ytd only) | -1.7090% | 6,139 |
| Net charge-offs to loans | 1.8717% | 1,026 |
| Credit loss provision to net charge-offs | 90.9233% | 4,728 |
| Earnings coverage of net charge-offs (x) | 0.6380% | 5,401 |
| Efficiency ratio | 77.4344% | 2,703 |
| Assets per employee ($millions) | 3.3881% | 5,233 |
| Cash dividends to net income (ytd only)* | -113.3511% | 7,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 4,137 |
| Loan loss allowance to noncurrent loans | 65.5123% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 3,805 |
| Noncurrent loans to loans | 2.2346% | 3,412 |
| Net loans and leases to total assets | 64.7267% | 3,969 |
| Net loans and leases to deposits | 82.9753% | 2,915 |
| Net loans and leases to core deposits | 93.7322% | 2,565 |
| Total domestic deposits to total assets | 78.0072% | 6,257 |
| Equity capital to assets | 9.9385% | 4,235 |
| Core capital (leverage) ratio | 7.0555% | 7,136 |
| Tier 1 risk-based capital ratio | 10.3386% | 6,874 |
| Total risk-based capital ratio | 11.5917% | 6,869 |
| Memoranda: | ||
| Average total assets | $653,636,000 | 1,026 |
| Average earning assets | $580,624,250 | 1,044 |
| Average equity | $66,081,000 | 1,015 |
| Average total loans | $454,400,750 | 995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 3,575 |
| Cost of funding earning assets | 1.4495% | 3,559 |
| Net interest margin | 3.8272% | 3,779 |
| Noninterest income to average assets | 1.3354% | 710 |
| Noninterest expense to average assets | 3.9197% | 1,156 |
| Loan and lease loss provision to assets | 1.5126% | 875 |
| Net operating income to assets | -0.3881% | 6,555 |
| Return on assets (ROA) | -0.2917% | 6,512 |
| Pretax return on assets | -0.5526% | 6,627 |
| Return on Equity (ROE) | -2.8687% | 6,505 |
| Retained earnings to average equity (ytd only) | -4.2347% | 6,468 |
| Net charge-offs to loans | 2.1478% | 838 |
| Credit loss provision to net charge-offs | 99.4116% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.5320% | 5,202 |
| Efficiency ratio | 79.3799% | 2,519 |
| Assets per employee ($millions) | 3.2312% | 5,600 |
| Cash dividends to net income (ytd only)* | -47.6190% | 7,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 3,663 |
| Loan loss allowance to noncurrent loans | 57.7736% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 3,305 |
| Noncurrent loans to loans | 2.6857% | 2,966 |
| Net loans and leases to total assets | 69.7833% | 2,955 |
| Net loans and leases to deposits | 91.8430% | 1,559 |
| Net loans and leases to core deposits | 102.7434% | 1,762 |
| Total domestic deposits to total assets | 75.9810% | 6,699 |
| Equity capital to assets | 10.2602% | 3,690 |
| Core capital (leverage) ratio | 6.9980% | 7,194 |
| Tier 1 risk-based capital ratio | 9.9305% | 7,066 |
| Total risk-based capital ratio | 11.1845% | 7,037 |
| Memoranda: | ||
| Average total assets | $647,898,670 | 1,046 |
| Average earning assets | $574,526,330 | 1,067 |
| Average equity | $65,884,000 | 1,009 |
| Average total loans | $458,978,000 | 998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 4,198 |
| Cost of funding earning assets | 1.4849% | 3,653 |
| Net interest margin | 3.6848% | 4,331 |
| Noninterest income to average assets | 1.3642% | 646 |
| Noninterest expense to average assets | 3.7076% | 1,500 |
| Loan and lease loss provision to assets | 0.8568% | 1,484 |
| Net operating income to assets | 0.0640% | 6,121 |
| Return on assets (ROA) | 0.3268% | 5,311 |
| Pretax return on assets | 0.3697% | 5,382 |
| Return on Equity (ROE) | 3.2280% | 5,239 |
| Retained earnings to average equity (ytd only) | 0.5078% | 5,630 |
| Net charge-offs to loans | 2.0352% | 840 |
| Credit loss provision to net charge-offs | 59.4480% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.6437% | 4,453 |
| Efficiency ratio | 77.4492% | 2,983 |
| Assets per employee ($millions) | 3.2878% | 5,565 |
| Cash dividends to net income (ytd only)* | 84.2697% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,765 |
| Loan loss allowance to noncurrent loans | 46.3457% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 3,213 |
| Noncurrent loans to loans | 2.8751% | 2,805 |
| Net loans and leases to total assets | 68.7535% | 3,215 |
| Net loans and leases to deposits | 89.6917% | 1,949 |
| Net loans and leases to core deposits | 99.6562% | 2,165 |
| Total domestic deposits to total assets | 76.6553% | 6,632 |
| Equity capital to assets | 10.1163% | 3,725 |
| Core capital (leverage) ratio | 7.2961% | 7,033 |
| Tier 1 risk-based capital ratio | 10.2637% | 6,828 |
| Total risk-based capital ratio | 11.5151% | 6,828 |
| Memoranda: | ||
| Average total assets | $653,570,500 | 1,056 |
| Average earning assets | $580,224,000 | 1,080 |
| Average equity | $66,170,000 | 1,008 |
| Average total loans | $462,862,000 | 1,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 3,231 |
| Cost of funding earning assets | 1.7169% | 4,420 |
| Net interest margin | 3.9575% | 3,043 |
| Noninterest income to average assets | 1.5146% | 628 |
| Noninterest expense to average assets | 3.9520% | 1,434 |
| Loan and lease loss provision to assets | 0.8908% | 2,517 |
| Net operating income to assets | 0.1857% | 4,942 |
| Return on assets (ROA) | 0.3196% | 4,543 |
| Pretax return on assets | 0.3536% | 4,631 |
| Return on Equity (ROE) | 3.1028% | 4,459 |
| Retained earnings to average equity (ytd only) | -0.5086% | 5,108 |
| Net charge-offs to loans | 0.8191% | 2,780 |
| Credit loss provision to net charge-offs | 153.7453% | 2,978 |
| Earnings coverage of net charge-offs (x) | 1.8909% | 4,306 |
| Efficiency ratio | 75.4353% | 3,629 |
| Assets per employee ($millions) | 3.4361% | 5,165 |
| Cash dividends to net income (ytd only)* | 116.3919% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,748 |
| Loan loss allowance to noncurrent loans | 38.5988% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.0605% | 2,278 |
| Noncurrent loans to loans | 3.8766% | 1,916 |
| Net loans and leases to total assets | 70.8847% | 3,036 |
| Net loans and leases to deposits | 93.7730% | 1,623 |
| Net loans and leases to core deposits | 110.5629% | 2,836 |
| Total domestic deposits to total assets | 75.5918% | 6,760 |
| Equity capital to assets | 10.1325% | 3,583 |
| Core capital (leverage) ratio | 7.0681% | 7,181 |
| Tier 1 risk-based capital ratio | 9.8548% | 6,980 |
| Total risk-based capital ratio | 11.1082% | 6,959 |
| Memoranda: | ||
| Average total assets | $645,116,800 | 1,072 |
| Average earning assets | $575,915,200 | 1,099 |
| Average equity | $66,456,000 | 994 |
| Average total loans | $456,374,800 | 1,053 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 3,260 |
| Cost of funding earning assets | 1.7700% | 4,528 |
| Net interest margin | 3.9467% | 3,055 |
| Noninterest income to average assets | 1.5056% | 652 |
| Noninterest expense to average assets | 3.9465% | 1,360 |
| Loan and lease loss provision to assets | 0.4561% | 3,634 |
| Net operating income to assets | 0.4796% | 4,073 |
| Return on assets (ROA) | 0.5471% | 3,885 |
| Pretax return on assets | 0.7214% | 3,789 |
| Return on Equity (ROE) | 5.2886% | 3,843 |
| Retained earnings to average equity (ytd only) | 1.6814% | 4,369 |
| Net charge-offs to loans | 0.3788% | 3,758 |
| Credit loss provision to net charge-offs | 170.9402% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.0808% | 3,272 |
| Efficiency ratio | 75.2326% | 3,649 |
| Assets per employee ($millions) | 3.2974% | 5,410 |
| Cash dividends to net income (ytd only)* | 68.2076% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,562 |
| Loan loss allowance to noncurrent loans | 63.8614% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6909% | 3,842 |
| Noncurrent loans to loans | 2.0210% | 3,611 |
| Net loans and leases to total assets | 69.5102% | 3,616 |
| Net loans and leases to deposits | 91.9250% | 2,245 |
| Net loans and leases to core deposits | 107.6981% | 3,508 |
| Total domestic deposits to total assets | 75.6163% | 6,658 |
| Equity capital to assets | 10.4184% | 3,596 |
| Core capital (leverage) ratio | 7.4131% | 7,067 |
| Tier 1 risk-based capital ratio | 10.0775% | 6,903 |
| Total risk-based capital ratio | 11.3280% | 6,849 |
| Memoranda: | ||
| Average total assets | $643,179,250 | 1,091 |
| Average earning assets | $575,211,250 | 1,112 |
| Average equity | $66,532,000 | 1,006 |
| Average total loans | $453,015,250 | 1,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 3,365 |
| Cost of funding earning assets | 1.8202% | 4,663 |
| Net interest margin | 3.9160% | 3,033 |
| Noninterest income to average assets | 1.5517% | 621 |
| Noninterest expense to average assets | 4.0013% | 1,316 |
| Loan and lease loss provision to assets | 0.4063% | 3,489 |
| Net operating income to assets | 0.4873% | 4,133 |
| Return on assets (ROA) | 0.5979% | 3,794 |
| Pretax return on assets | 0.8032% | 3,659 |
| Return on Equity (ROE) | 5.7938% | 3,751 |
| Retained earnings to average equity (ytd only) | 2.1594% | 4,147 |
| Net charge-offs to loans | 0.1988% | 4,293 |
| Credit loss provision to net charge-offs | 290.1786% | 1,609 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,427 |
| Efficiency ratio | 75.5357% | 3,782 |
| Assets per employee ($millions) | 3.2612% | 5,422 |
| Cash dividends to net income (ytd only)* | 62.7287% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,310 |
| Loan loss allowance to noncurrent loans | 59.9592% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 3,566 |
| Noncurrent loans to loans | 2.1570% | 3,301 |
| Net loans and leases to total assets | 70.1235% | 3,676 |
| Net loans and leases to deposits | 94.3421% | 2,039 |
| Net loans and leases to core deposits | 107.6673% | 3,644 |
| Total domestic deposits to total assets | 74.3290% | 6,906 |
| Equity capital to assets | 10.3844% | 3,532 |
| Core capital (leverage) ratio | 7.3978% | 7,137 |
| Tier 1 risk-based capital ratio | 10.3150% | 6,577 |
| Total risk-based capital ratio | 11.5658% | 6,513 |
| Memoranda: | ||
| Average total assets | $639,941,000 | 1,120 |
| Average earning assets | $573,550,330 | 1,134 |
| Average equity | $66,035,670 | 1,022 |
| Average total loans | $450,766,330 | 1,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6919% | 3,843 |
| Cost of funding earning assets | 1.8971% | 4,638 |
| Net interest margin | 3.7948% | 3,463 |
| Noninterest income to average assets | 1.5292% | 594 |
| Noninterest expense to average assets | 3.9374% | 1,257 |
| Loan and lease loss provision to assets | 0.3123% | 3,469 |
| Net operating income to assets | 0.5135% | 4,360 |
| Return on assets (ROA) | 0.5391% | 4,448 |
| Pretax return on assets | 0.7109% | 4,395 |
| Return on Equity (ROE) | 5.2410% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.5972% | 4,957 |
| Net charge-offs to loans | 0.1532% | 3,731 |
| Credit loss provision to net charge-offs | 290.6977% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.2093% | 2,089 |
| Efficiency ratio | 75.0095% | 3,662 |
| Assets per employee ($millions) | 3.2695% | 5,404 |
| Cash dividends to net income (ytd only)* | 69.5249% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 4,764 |
| Loan loss allowance to noncurrent loans | 60.9920% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.5779% | 3,563 |
| Noncurrent loans to loans | 1.9783% | 3,291 |
| Net loans and leases to total assets | 67.9946% | 4,143 |
| Net loans and leases to deposits | 89.5404% | 3,004 |
| Net loans and leases to core deposits | 102.2942% | 4,309 |
| Total domestic deposits to total assets | 75.9374% | 6,526 |
| Equity capital to assets | 10.3508% | 3,609 |
| Core capital (leverage) ratio | 7.1488% | 7,526 |
| Tier 1 risk-based capital ratio | 10.3438% | 6,551 |
| Total risk-based capital ratio | 11.5626% | 6,508 |
| Memoranda: | ||
| Average total assets | $640,317,500 | 1,119 |
| Average earning assets | $573,309,500 | 1,140 |
| Average equity | $65,865,500 | 1,027 |
| Average total loans | $449,102,500 | 1,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4434% | 3,212 |
| Cost of funding earning assets | 2.6401% | 3,485 |
| Net interest margin | 3.8033% | 4,001 |
| Noninterest income to average assets | 1.3712% | 767 |
| Noninterest expense to average assets | 3.5128% | 2,358 |
| Loan and lease loss provision to assets | 0.1272% | 5,736 |
| Net operating income to assets | 0.8075% | 3,407 |
| Return on assets (ROA) | 0.8075% | 3,246 |
| Pretax return on assets | 1.1227% | 2,942 |
| Return on Equity (ROE) | 7.7252% | 3,187 |
| Retained earnings to average equity (ytd only) | -28.8695% | 7,889 |
| Net charge-offs to loans | 0.1947% | 4,241 |
| Credit loss provision to net charge-offs | 90.7384% | 5,664 |
| Earnings coverage of net charge-offs (x) | 8.9149% | 2,795 |
| Efficiency ratio | 71.7965% | 3,975 |
| Assets per employee ($millions) | 3.2312% | 5,393 |
| Cash dividends to net income (ytd only)* | 473.7071% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,250 |
| Loan loss allowance to noncurrent loans | 105.5941% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 4,419 |
| Noncurrent loans to loans | 1.0453% | 4,486 |
| Net loans and leases to total assets | 70.6766% | 3,863 |
| Net loans and leases to deposits | 92.3009% | 3,082 |
| Net loans and leases to core deposits | 105.2004% | 4,279 |
| Total domestic deposits to total assets | 76.5720% | 6,105 |
| Equity capital to assets | 10.2212% | 3,779 |
| Core capital (leverage) ratio | 7.9419% | 6,584 |
| Tier 1 risk-based capital ratio | 10.1618% | 6,562 |
| Total risk-based capital ratio | 11.2954% | 6,566 |
| Memoranda: | ||
| Average total assets | $569,879,800 | 1,182 |
| Average earning assets | $508,194,400 | 1,213 |
| Average equity | $59,571,600 | 1,132 |
| Average total loans | $410,392,000 | 1,172 |