Home > TriStar Bank > Performance and Condition Ratios
TriStar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 1,127 |
| Cost of funding earning assets | 1.8699% | 1,125 |
| Net interest margin | 3.6538% | 1,851 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 3.0194% | 1,103 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6989% | 3,201 |
| Return on assets (ROA) | 0.7005% | 3,167 |
| Pretax return on assets | 0.8393% | 3,118 |
| Return on Equity (ROE) | 9.7300% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.7263% | 1,085 |
| Net charge-offs to loans | 0.2426% | 444 |
| Credit loss provision to net charge-offs | 38.3812% | 2,246 |
| Earnings coverage of net charge-offs (x) | 5.1971% | 2,540 |
| Efficiency ratio | 77.0402% | 1,159 |
| Assets per employee ($millions) | 5.9068% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,838 |
| Loan loss allowance to noncurrent loans | 1,064.0118% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,082 |
| Noncurrent loans to loans | 0.1034% | 3,020 |
| Net loans and leases to total assets | 68.6400% | 1,960 |
| Net loans and leases to deposits | 80.4819% | 2,064 |
| Net loans and leases to core deposits | 86.6170% | 2,265 |
| Total domestic deposits to total assets | 85.2800% | 2,216 |
| Equity capital to assets | 7.6469% | 3,631 |
| Core capital (leverage) ratio | 10.1615% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0185% | 2,237 |
| Memoranda: | ||
| Average total assets | $453,365,000 | 1,845 |
| Average earning assets | $412,424,200 | 1,868 |
| Average equity | $32,653,800 | 2,159 |
| Average total loans | $315,717,000 | 1,739 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 1,073 |
| Cost of funding earning assets | 1.7708% | 1,059 |
| Net interest margin | 3.6781% | 1,825 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.1111% | 918 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6867% | 3,355 |
| Return on assets (ROA) | 0.6854% | 3,342 |
| Pretax return on assets | 0.8192% | 3,289 |
| Return on Equity (ROE) | 9.6700% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.6735% | 1,500 |
| Net charge-offs to loans | 0.2610% | 342 |
| Credit loss provision to net charge-offs | 34.9673% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.6748% | 2,381 |
| Efficiency ratio | 78.1062% | 1,002 |
| Assets per employee ($millions) | 5.5817% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,572 |
| Loan loss allowance to noncurrent loans | 913.3995% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 2,990 |
| Noncurrent loans to loans | 0.1270% | 2,915 |
| Net loans and leases to total assets | 69.3500% | 1,902 |
| Net loans and leases to deposits | 77.2444% | 2,310 |
| Net loans and leases to core deposits | 82.9662% | 2,397 |
| Total domestic deposits to total assets | 89.7800% | 997 |
| Equity capital to assets | 6.6549% | 3,771 |
| Core capital (leverage) ratio | 9.8711% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2670% | 2,522 |
| Memoranda: | ||
| Average total assets | $448,570,000 | 1,857 |
| Average earning assets | $408,315,750 | 1,879 |
| Average equity | $31,783,500 | 2,176 |
| Average total loans | $312,657,750 | 1,752 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 1,133 |
| Cost of funding earning assets | 1.6064% | 1,049 |
| Net interest margin | 3.6517% | 1,913 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.1056% | 901 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6919% | 3,356 |
| Return on assets (ROA) | 0.6773% | 3,395 |
| Pretax return on assets | 0.8065% | 3,386 |
| Return on Equity (ROE) | 9.3700% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.3667% | 1,583 |
| Net charge-offs to loans | 0.3169% | 263 |
| Credit loss provision to net charge-offs | 33.4686% | 1,731 |
| Earnings coverage of net charge-offs (x) | 3.8702% | 2,243 |
| Efficiency ratio | 78.0237% | 999 |
| Assets per employee ($millions) | 5.1759% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,515 |
| Loan loss allowance to noncurrent loans | 2,155.7471% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,401 |
| Noncurrent loans to loans | 0.0550% | 3,306 |
| Net loans and leases to total assets | 68.6800% | 1,886 |
| Net loans and leases to deposits | 78.2013% | 2,112 |
| Net loans and leases to core deposits | 83.0633% | 2,267 |
| Total domestic deposits to total assets | 87.8300% | 1,666 |
| Equity capital to assets | 7.2142% | 3,682 |
| Core capital (leverage) ratio | 9.9094% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8586% | 2,350 |
| Memoranda: | ||
| Average total assets | $447,387,333 | 1,864 |
| Average earning assets | $407,366,333 | 1,885 |
| Average equity | $32,348,667 | 2,173 |
| Average total loans | $311,131,667 | 1,740 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 1,106 |
| Cost of funding earning assets | 1.4813% | 877 |
| Net interest margin | 3.5988% | 2,133 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.1542% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6453% | 3,594 |
| Return on assets (ROA) | 0.6514% | 3,539 |
| Pretax return on assets | 0.7651% | 3,539 |
| Return on Equity (ROE) | 9.0000% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.9987% | 1,954 |
| Net charge-offs to loans | 0.0830% | 661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,595 |
| Efficiency ratio | 80.1891% | 817 |
| Assets per employee ($millions) | 5.0810% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,076 |
| Loan loss allowance to noncurrent loans | 890.2439% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 2,824 |
| Noncurrent loans to loans | 0.1450% | 2,769 |
| Net loans and leases to total assets | 68.6700% | 1,771 |
| Net loans and leases to deposits | 75.0580% | 2,203 |
| Net loans and leases to core deposits | 79.5364% | 2,286 |
| Total domestic deposits to total assets | 91.4900% | 649 |
| Equity capital to assets | 7.3805% | 3,628 |
| Core capital (leverage) ratio | 9.8003% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7771% | 2,471 |
| Memoranda: | ||
| Average total assets | $443,342,000 | 1,895 |
| Average earning assets | $403,690,500 | 1,925 |
| Average equity | $32,093,500 | 2,211 |
| Average total loans | $308,408,500 | 1,766 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 950 |
| Cost of funding earning assets | 0.6042% | 887 |
| Net interest margin | 3.7551% | 1,253 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 3.1592% | 766 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1002% | 2,171 |
| Return on assets (ROA) | 0.9248% | 2,807 |
| Pretax return on assets | 1.1395% | 2,643 |
| Return on Equity (ROE) | 12.6000% | 1,938 |
| Retained earnings to average equity (ytd only) | 12.5981% | 573 |
| Net charge-offs to loans | 0.1573% | 524 |
| Credit loss provision to net charge-offs | 28.3447% | 1,902 |
| Earnings coverage of net charge-offs (x) | 13.9887% | 2,049 |
| Efficiency ratio | 69.1605% | 1,804 |
| Assets per employee ($millions) | 4.8840% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 2,954 |
| Loan loss allowance to noncurrent loans | 336.1982% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,028 |
| Noncurrent loans to loans | 0.3235% | 1,994 |
| Net loans and leases to total assets | 68.8000% | 1,760 |
| Net loans and leases to deposits | 74.8390% | 2,184 |
| Net loans and leases to core deposits | 78.9972% | 2,200 |
| Total domestic deposits to total assets | 91.9300% | 657 |
| Equity capital to assets | 7.0951% | 3,620 |
| Core capital (leverage) ratio | 9.7886% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0002% | 2,378 |
| Memoranda: | ||
| Average total assets | $445,719,800 | 1,865 |
| Average earning assets | $402,496,800 | 1,908 |
| Average equity | $32,719,200 | 2,206 |
| Average total loans | $280,435,800 | 1,816 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 937 |
| Cost of funding earning assets | 0.4346% | 1,075 |
| Net interest margin | 3.7372% | 1,057 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 3.1390% | 740 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9893% | 2,509 |
| Return on assets (ROA) | 0.9873% | 2,495 |
| Pretax return on assets | 1.2186% | 2,296 |
| Return on Equity (ROE) | 13.3400% | 1,600 |
| Retained earnings to average equity (ytd only) | 13.3401% | 562 |
| Net charge-offs to loans | 0.2169% | 314 |
| Credit loss provision to net charge-offs | 28.0269% | 1,607 |
| Earnings coverage of net charge-offs (x) | 9.4641% | 2,021 |
| Efficiency ratio | 70.9986% | 1,644 |
| Assets per employee ($millions) | 5.1017% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,918 |
| Loan loss allowance to noncurrent loans | 813.9706% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,019 |
| Noncurrent loans to loans | 0.1377% | 2,944 |
| Net loans and leases to total assets | 66.0100% | 1,889 |
| Net loans and leases to deposits | 71.1110% | 2,274 |
| Net loans and leases to core deposits | 75.1804% | 2,261 |
| Total domestic deposits to total assets | 92.8300% | 624 |
| Equity capital to assets | 6.0818% | 3,932 |
| Core capital (leverage) ratio | 9.5408% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9749% | 2,484 |
| Memoranda: | ||
| Average total assets | $447,260,500 | 1,868 |
| Average earning assets | $403,113,500 | 1,913 |
| Average equity | $33,102,250 | 2,226 |
| Average total loans | $274,109,250 | 1,838 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 973 |
| Cost of funding earning assets | 0.3167% | 1,559 |
| Net interest margin | 3.6594% | 978 |
| Noninterest income to average assets | 1.1187% | 539 |
| Noninterest expense to average assets | 3.1280% | 703 |
| Loan and lease loss provision to assets | 0.0558% | 1,584 |
| Net operating income to assets | 0.9929% | 2,186 |
| Return on assets (ROA) | 0.9893% | 2,167 |
| Pretax return on assets | 1.2288% | 1,966 |
| Return on Equity (ROE) | 12.6244% | 1,483 |
| Retained earnings to average equity (ytd only) | 12.6244% | 512 |
| Net charge-offs to loans | 0.2040% | 319 |
| Credit loss provision to net charge-offs | 45.9559% | 1,513 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,752 |
| Efficiency ratio | 70.4332% | 1,897 |
| Assets per employee ($millions) | 5.0466% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,400 |
| Loan loss allowance to noncurrent loans | 2,687.6923% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,688 |
| Noncurrent loans to loans | 0.0468% | 3,597 |
| Net loans and leases to total assets | 61.8218% | 2,142 |
| Net loans and leases to deposits | 67.1851% | 2,455 |
| Net loans and leases to core deposits | 71.0261% | 2,414 |
| Total domestic deposits to total assets | 92.0171% | 823 |
| Equity capital to assets | 7.0027% | 3,767 |
| Core capital (leverage) ratio | 9.3220% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3563% | 2,357 |
| Memoranda: | ||
| Average total assets | $448,396,667 | 1,879 |
| Average earning assets | $404,167,000 | 1,930 |
| Average equity | $35,138,333 | 2,192 |
| Average total loans | $266,702,667 | 1,866 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 1,059 |
| Cost of funding earning assets | 0.3090% | 1,565 |
| Net interest margin | 3.5080% | 1,079 |
| Noninterest income to average assets | 1.2571% | 446 |
| Noninterest expense to average assets | 3.0532% | 751 |
| Loan and lease loss provision to assets | 0.1110% | 751 |
| Net operating income to assets | 1.0096% | 1,840 |
| Return on assets (ROA) | 1.0068% | 1,847 |
| Pretax return on assets | 1.2545% | 1,644 |
| Return on Equity (ROE) | 12.2073% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.2073% | 574 |
| Net charge-offs to loans | 0.3862% | 174 |
| Credit loss provision to net charge-offs | 49.6032% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.1190% | 1,583 |
| Efficiency ratio | 68.6609% | 2,423 |
| Assets per employee ($millions) | 5.2203% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,252 |
| Loan loss allowance to noncurrent loans | 15,968.1818% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,040 |
| Noncurrent loans to loans | 0.0083% | 3,965 |
| Net loans and leases to total assets | 57.7615% | 2,323 |
| Net loans and leases to deposits | 63.0842% | 2,614 |
| Net loans and leases to core deposits | 66.6184% | 2,568 |
| Total domestic deposits to total assets | 91.5625% | 769 |
| Equity capital to assets | 7.5228% | 3,920 |
| Core capital (leverage) ratio | 8.9893% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9449% | 2,235 |
| Memoranda: | ||
| Average total assets | $450,544,000 | 1,883 |
| Average earning assets | $406,500,000 | 1,930 |
| Average equity | $37,158,000 | 2,166 |
| Average total loans | $261,031,000 | 1,881 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 1,287 |
| Cost of funding earning assets | 0.5157% | 869 |
| Net interest margin | 3.5169% | 1,684 |
| Noninterest income to average assets | 1.0484% | 923 |
| Noninterest expense to average assets | 3.1550% | 780 |
| Loan and lease loss provision to assets | 0.1113% | 1,133 |
| Net operating income to assets | 0.7666% | 3,434 |
| Return on assets (ROA) | 0.7719% | 3,479 |
| Pretax return on assets | 0.9631% | 3,352 |
| Return on Equity (ROE) | 9.2354% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.2354% | 1,123 |
| Net charge-offs to loans | 0.1431% | 655 |
| Credit loss provision to net charge-offs | 126.4045% | 1,608 |
| Earnings coverage of net charge-offs (x) | 12.1264% | 2,125 |
| Efficiency ratio | 74.2752% | 1,274 |
| Assets per employee ($millions) | 5.0787% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,837 |
| Loan loss allowance to noncurrent loans | 973.5294% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,354 |
| Noncurrent loans to loans | 0.1460% | 3,209 |
| Net loans and leases to total assets | 56.5143% | 2,537 |
| Net loans and leases to deposits | 62.6203% | 2,819 |
| Net loans and leases to core deposits | 66.8106% | 2,752 |
| Total domestic deposits to total assets | 90.2491% | 842 |
| Equity capital to assets | 8.9836% | 3,634 |
| Core capital (leverage) ratio | 8.9274% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3883% | 2,086 |
| Memoranda: | ||
| Average total assets | $404,311,600 | 1,972 |
| Average earning assets | $364,921,200 | 2,022 |
| Average equity | $33,794,000 | 2,340 |
| Average total loans | $248,739,000 | 1,937 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 1,442 |
| Cost of funding earning assets | 0.5538% | 815 |
| Net interest margin | 3.4895% | 1,892 |
| Noninterest income to average assets | 1.0249% | 1,026 |
| Noninterest expense to average assets | 3.1783% | 739 |
| Loan and lease loss provision to assets | 0.0508% | 1,980 |
| Net operating income to assets | 0.7577% | 3,634 |
| Return on assets (ROA) | 0.7631% | 3,677 |
| Pretax return on assets | 0.9568% | 3,572 |
| Return on Equity (ROE) | 9.3275% | 2,994 |
| Retained earnings to average equity (ytd only) | 9.3275% | 1,567 |
| Net charge-offs to loans | 0.1096% | 697 |
| Credit loss provision to net charge-offs | 73.8916% | 1,740 |
| Earnings coverage of net charge-offs (x) | 14.5567% | 1,886 |
| Efficiency ratio | 75.5896% | 1,066 |
| Assets per employee ($millions) | 4.6694% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,069 |
| Loan loss allowance to noncurrent loans | 1,559.8214% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,794 |
| Noncurrent loans to loans | 0.0889% | 3,637 |
| Net loans and leases to total assets | 57.8196% | 2,515 |
| Net loans and leases to deposits | 64.1031% | 2,845 |
| Net loans and leases to core deposits | 68.4106% | 2,741 |
| Total domestic deposits to total assets | 90.1977% | 685 |
| Equity capital to assets | 7.9510% | 4,546 |
| Core capital (leverage) ratio | 8.0629% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1048% | 2,677 |
| Memoranda: | ||
| Average total assets | $393,658,500 | 2,032 |
| Average earning assets | $355,842,250 | 2,076 |
| Average equity | $32,205,000 | 2,447 |
| Average total loans | $246,869,500 | 1,976 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 1,382 |
| Cost of funding earning assets | 0.6370% | 614 |
| Net interest margin | 3.4471% | 2,017 |
| Noninterest income to average assets | 1.1397% | 875 |
| Noninterest expense to average assets | 3.2079% | 706 |
| Loan and lease loss provision to assets | 0.0786% | 1,535 |
| Net operating income to assets | 0.7518% | 3,637 |
| Return on assets (ROA) | 0.7572% | 3,691 |
| Pretax return on assets | 0.9704% | 3,500 |
| Return on Equity (ROE) | 9.1587% | 3,048 |
| Retained earnings to average equity (ytd only) | 9.1587% | 1,665 |
| Net charge-offs to loans | 0.1011% | 732 |
| Credit loss provision to net charge-offs | 120.9677% | 1,254 |
| Earnings coverage of net charge-offs (x) | 16.0403% | 1,615 |
| Efficiency ratio | 75.0092% | 1,162 |
| Assets per employee ($millions) | 4.5086% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,690 |
| Loan loss allowance to noncurrent loans | 989.7507% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 3,598 |
| Noncurrent loans to loans | 0.1484% | 3,459 |
| Net loans and leases to total assets | 60.3917% | 2,379 |
| Net loans and leases to deposits | 67.6405% | 2,655 |
| Net loans and leases to core deposits | 72.5554% | 2,558 |
| Total domestic deposits to total assets | 89.2833% | 1,151 |
| Equity capital to assets | 8.2729% | 4,374 |
| Core capital (leverage) ratio | 8.0527% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1695% | 2,658 |
| Memoranda: | ||
| Average total assets | $381,683,667 | 2,074 |
| Average earning assets | $344,403,667 | 2,117 |
| Average equity | $31,554,667 | 2,471 |
| Average total loans | $245,200,333 | 2,000 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 1,048 |
| Cost of funding earning assets | 0.5515% | 1,093 |
| Net interest margin | 3.7433% | 1,243 |
| Noninterest income to average assets | 1.2733% | 777 |
| Noninterest expense to average assets | 3.2768% | 629 |
| Loan and lease loss provision to assets | 0.1604% | 788 |
| Net operating income to assets | 0.9414% | 3,004 |
| Return on assets (ROA) | 0.9515% | 3,060 |
| Pretax return on assets | 1.2230% | 2,778 |
| Return on Equity (ROE) | 11.5134% | 2,185 |
| Retained earnings to average equity (ytd only) | 11.5134% | 1,268 |
| Net charge-offs to loans | 0.1397% | 537 |
| Credit loss provision to net charge-offs | 174.4186% | 935 |
| Earnings coverage of net charge-offs (x) | 14.9070% | 1,353 |
| Efficiency ratio | 70.0713% | 1,689 |
| Assets per employee ($millions) | 4.8185% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,546 |
| Loan loss allowance to noncurrent loans | 531.0294% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 3,298 |
| Noncurrent loans to loans | 0.2857% | 3,077 |
| Net loans and leases to total assets | 60.0562% | 2,537 |
| Net loans and leases to deposits | 68.2974% | 2,667 |
| Net loans and leases to core deposits | 71.4184% | 2,752 |
| Total domestic deposits to total assets | 87.9333% | 1,879 |
| Equity capital to assets | 7.9908% | 4,496 |
| Core capital (leverage) ratio | 8.0992% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9198% | 2,697 |
| Memoranda: | ||
| Average total assets | $374,148,000 | 2,087 |
| Average earning assets | $337,240,000 | 2,137 |
| Average equity | $30,920,500 | 2,488 |
| Average total loans | $246,210,500 | 1,985 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 542 |
| Cost of funding earning assets | 0.9188% | 810 |
| Net interest margin | 4.0285% | 923 |
| Noninterest income to average assets | 1.0500% | 961 |
| Noninterest expense to average assets | 3.2548% | 966 |
| Loan and lease loss provision to assets | 0.3533% | 978 |
| Net operating income to assets | 0.8340% | 2,963 |
| Return on assets (ROA) | 0.8436% | 3,059 |
| Pretax return on assets | 1.0906% | 2,734 |
| Return on Equity (ROE) | 10.0983% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.2785% | 1,288 |
| Net charge-offs to loans | 0.1584% | 1,035 |
| Credit loss provision to net charge-offs | 306.9054% | 1,710 |
| Earnings coverage of net charge-offs (x) | 12.4373% | 2,336 |
| Efficiency ratio | 68.9703% | 2,102 |
| Assets per employee ($millions) | 4.1628% | 4,241 |
| Cash dividends to net income (ytd only)* | 27.9232% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,994 |
| Loan loss allowance to noncurrent loans | 723.8776% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,559 |
| Noncurrent loans to loans | 0.1926% | 3,520 |
| Net loans and leases to total assets | 70.0744% | 1,552 |
| Net loans and leases to deposits | 80.3699% | 1,825 |
| Net loans and leases to core deposits | 84.5840% | 1,985 |
| Total domestic deposits to total assets | 87.1899% | 1,846 |
| Equity capital to assets | 8.5623% | 4,400 |
| Core capital (leverage) ratio | 8.0821% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2876% | 2,846 |
| Memoranda: | ||
| Average total assets | $339,621,800 | 2,096 |
| Average earning assets | $306,592,000 | 2,139 |
| Average equity | $28,371,200 | 2,583 |
| Average total loans | $246,863,200 | 1,936 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 559 |
| Cost of funding earning assets | 1.0041% | 753 |
| Net interest margin | 4.0469% | 1,016 |
| Noninterest income to average assets | 0.9376% | 1,138 |
| Noninterest expense to average assets | 3.2331% | 1,013 |
| Loan and lease loss provision to assets | 0.3722% | 993 |
| Net operating income to assets | 0.7728% | 3,199 |
| Return on assets (ROA) | 0.7844% | 3,268 |
| Pretax return on assets | 1.0057% | 3,052 |
| Return on Equity (ROE) | 9.4527% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.6160% | 2,278 |
| Net charge-offs to loans | 0.2003% | 763 |
| Credit loss provision to net charge-offs | 254.0761% | 1,910 |
| Earnings coverage of net charge-offs (x) | 9.3071% | 2,436 |
| Efficiency ratio | 69.8502% | 1,906 |
| Assets per employee ($millions) | 4.6580% | 3,648 |
| Cash dividends to net income (ytd only)* | 40.5885% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,090 |
| Loan loss allowance to noncurrent loans | 7,686.0465% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,438 |
| Noncurrent loans to loans | 0.0171% | 4,360 |
| Net loans and leases to total assets | 69.0248% | 2,109 |
| Net loans and leases to deposits | 79.5835% | 2,365 |
| Net loans and leases to core deposits | 86.0084% | 2,299 |
| Total domestic deposits to total assets | 86.7326% | 1,759 |
| Equity capital to assets | 8.2684% | 4,591 |
| Core capital (leverage) ratio | 8.0147% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1982% | 2,871 |
| Memoranda: | ||
| Average total assets | $335,027,750 | 2,097 |
| Average earning assets | $302,872,250 | 2,132 |
| Average equity | $27,800,750 | 2,607 |
| Average total loans | $244,976,000 | 1,952 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 535 |
| Cost of funding earning assets | 1.0973% | 724 |
| Net interest margin | 4.1363% | 1,047 |
| Noninterest income to average assets | 1.0069% | 971 |
| Noninterest expense to average assets | 3.3257% | 950 |
| Loan and lease loss provision to assets | 0.4585% | 834 |
| Net operating income to assets | 0.7573% | 3,194 |
| Return on assets (ROA) | 0.7752% | 3,246 |
| Pretax return on assets | 0.9947% | 3,047 |
| Return on Equity (ROE) | 9.3296% | 2,239 |
| Retained earnings to average equity (ytd only) | 3.4434% | 3,203 |
| Net charge-offs to loans | 0.2107% | 737 |
| Credit loss provision to net charge-offs | 292.9688% | 1,639 |
| Earnings coverage of net charge-offs (x) | 9.1406% | 2,241 |
| Efficiency ratio | 69.4344% | 2,028 |
| Assets per employee ($millions) | 4.7685% | 3,449 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,204 |
| Loan loss allowance to noncurrent loans | 2,448.4848% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,358 |
| Noncurrent loans to loans | 0.0515% | 4,277 |
| Net loans and leases to total assets | 71.7719% | 1,758 |
| Net loans and leases to deposits | 82.6326% | 2,131 |
| Net loans and leases to core deposits | 89.4628% | 2,114 |
| Total domestic deposits to total assets | 86.8567% | 1,678 |
| Equity capital to assets | 8.1197% | 4,664 |
| Core capital (leverage) ratio | 8.0014% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5199% | 3,081 |
| Memoranda: | ||
| Average total assets | $327,147,667 | 2,104 |
| Average earning assets | $296,543,333 | 2,147 |
| Average equity | $27,182,333 | 2,632 |
| Average total loans | $243,009,667 | 1,947 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 570 |
| Cost of funding earning assets | 1.2415% | 671 |
| Net interest margin | 4.0393% | 1,290 |
| Noninterest income to average assets | 0.8005% | 1,312 |
| Noninterest expense to average assets | 3.2582% | 1,299 |
| Loan and lease loss provision to assets | 0.2673% | 1,164 |
| Net operating income to assets | 0.7305% | 3,166 |
| Return on assets (ROA) | 0.7636% | 3,119 |
| Pretax return on assets | 0.9736% | 2,921 |
| Return on Equity (ROE) | 9.0746% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,156 |
| Net charge-offs to loans | 0.2150% | 651 |
| Credit loss provision to net charge-offs | 165.3543% | 1,535 |
| Earnings coverage of net charge-offs (x) | 7.4173% | 1,924 |
| Efficiency ratio | 72.5585% | 1,997 |
| Assets per employee ($millions) | 4.2725% | 3,563 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,685 |
| Loan loss allowance to noncurrent loans | 1,362.8019% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,030 |
| Noncurrent loans to loans | 0.0879% | 4,160 |
| Net loans and leases to total assets | 72.6365% | 1,837 |
| Net loans and leases to deposits | 84.1083% | 2,211 |
| Net loans and leases to core deposits | 91.8621% | 2,177 |
| Total domestic deposits to total assets | 86.3607% | 1,845 |
| Equity capital to assets | 8.2594% | 4,910 |
| Core capital (leverage) ratio | 8.3879% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5345% | 3,214 |
| Memoranda: | ||
| Average total assets | $314,285,500 | 2,133 |
| Average earning assets | $284,504,500 | 2,170 |
| Average equity | $26,447,500 | 2,678 |
| Average total loans | $236,267,000 | 1,955 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 748 |
| Cost of funding earning assets | 1.4172% | 524 |
| Net interest margin | 3.9323% | 2,062 |
| Noninterest income to average assets | 0.6681% | 1,933 |
| Noninterest expense to average assets | 3.1666% | 1,602 |
| Loan and lease loss provision to assets | 0.1069% | 1,946 |
| Net operating income to assets | 0.7714% | 3,639 |
| Return on assets (ROA) | 0.7701% | 3,723 |
| Pretax return on assets | 0.9665% | 3,552 |
| Return on Equity (ROE) | 9.2855% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.1123% | 1,815 |
| Net charge-offs to loans | 0.0205% | 3,007 |
| Credit loss provision to net charge-offs | 691.4894% | 460 |
| Earnings coverage of net charge-offs (x) | 69.5319% | 888 |
| Efficiency ratio | 74.0655% | 1,591 |
| Assets per employee ($millions) | 4.5991% | 3,086 |
| Cash dividends to net income (ytd only)* | 34.1734% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,670 |
| Loan loss allowance to noncurrent loans | 635.2668% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,676 |
| Noncurrent loans to loans | 0.1819% | 3,805 |
| Net loans and leases to total assets | 76.0126% | 1,414 |
| Net loans and leases to deposits | 87.1647% | 1,949 |
| Net loans and leases to core deposits | 95.4178% | 1,945 |
| Total domestic deposits to total assets | 87.2057% | 1,518 |
| Equity capital to assets | 8.5770% | 4,878 |
| Core capital (leverage) ratio | 8.3814% | 4,907 |
| Tier 1 risk-based capital ratio | 10.3406% | 5,066 |
| Total risk-based capital ratio | 11.4346% | 5,037 |
| Memoranda: | ||
| Average total assets | $303,988,000 | 2,141 |
| Average earning assets | $276,251,600 | 2,171 |
| Average equity | $25,211,400 | 2,703 |
| Average total loans | $229,549,600 | 1,958 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 799 |
| Cost of funding earning assets | 1.4306% | 512 |
| Net interest margin | 3.9065% | 2,229 |
| Noninterest income to average assets | 0.6606% | 1,947 |
| Noninterest expense to average assets | 3.1569% | 1,564 |
| Loan and lease loss provision to assets | 0.0836% | 2,235 |
| Net operating income to assets | 0.7680% | 3,780 |
| Return on assets (ROA) | 0.7662% | 3,857 |
| Pretax return on assets | 0.9669% | 3,696 |
| Return on Equity (ROE) | 9.3198% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,875 |
| Net charge-offs to loans | 0.0193% | 2,731 |
| Credit loss provision to net charge-offs | 575.7576% | 562 |
| Earnings coverage of net charge-offs (x) | 72.4830% | 923 |
| Efficiency ratio | 74.3962% | 1,508 |
| Assets per employee ($millions) | 4.4748% | 3,250 |
| Cash dividends to net income (ytd only)* | 45.9505% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 2,856 |
| Loan loss allowance to noncurrent loans | 2,337.5000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,195 |
| Noncurrent loans to loans | 0.0485% | 4,429 |
| Net loans and leases to total assets | 75.0217% | 1,643 |
| Net loans and leases to deposits | 86.8501% | 2,085 |
| Net loans and leases to core deposits | 93.8617% | 2,188 |
| Total domestic deposits to total assets | 86.3807% | 1,831 |
| Equity capital to assets | 8.5205% | 4,992 |
| Core capital (leverage) ratio | 8.3586% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2294% | 5,145 |
| Total risk-based capital ratio | 11.2895% | 5,127 |
| Memoranda: | ||
| Average total assets | $302,950,750 | 2,167 |
| Average earning assets | $275,224,750 | 2,190 |
| Average equity | $24,907,000 | 2,742 |
| Average total loans | $227,696,750 | 1,986 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3163% | 790 |
| Cost of funding earning assets | 1.4034% | 531 |
| Net interest margin | 3.9129% | 2,208 |
| Noninterest income to average assets | 0.6387% | 1,979 |
| Noninterest expense to average assets | 3.1761% | 1,559 |
| Loan and lease loss provision to assets | 0.0595% | 2,633 |
| Net operating income to assets | 0.7663% | 3,767 |
| Return on assets (ROA) | 0.7504% | 3,889 |
| Pretax return on assets | 0.9408% | 3,739 |
| Return on Equity (ROE) | 9.2400% | 2,761 |
| Retained earnings to average equity (ytd only) | 2.7272% | 3,837 |
| Net charge-offs to loans | 0.0009% | 3,152 |
| Credit loss provision to net charge-offs | 9,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,543.0000% | 43 |
| Efficiency ratio | 75.0906% | 1,505 |
| Assets per employee ($millions) | 4.4554% | 3,212 |
| Cash dividends to net income (ytd only)* | 70.4846% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,951 |
| Loan loss allowance to noncurrent loans | 1,633.9744% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 4,172 |
| Noncurrent loans to loans | 0.0686% | 4,375 |
| Net loans and leases to total assets | 74.1967% | 1,856 |
| Net loans and leases to deposits | 85.5650% | 2,304 |
| Net loans and leases to core deposits | 92.6894% | 2,347 |
| Total domestic deposits to total assets | 86.7138% | 1,722 |
| Equity capital to assets | 8.3008% | 5,118 |
| Core capital (leverage) ratio | 8.1929% | 5,114 |
| Tier 1 risk-based capital ratio | 10.0466% | 5,221 |
| Total risk-based capital ratio | 11.0861% | 5,205 |
| Memoranda: | ||
| Average total assets | $302,505,000 | 2,172 |
| Average earning assets | $275,039,000 | 2,188 |
| Average equity | $24,567,000 | 2,762 |
| Average total loans | $226,629,000 | 2,002 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 898 |
| Cost of funding earning assets | 1.3646% | 519 |
| Net interest margin | 3.8442% | 2,366 |
| Noninterest income to average assets | 0.5029% | 2,539 |
| Noninterest expense to average assets | 3.1614% | 1,593 |
| Loan and lease loss provision to assets | 0.0397% | 2,832 |
| Net operating income to assets | 0.6522% | 4,082 |
| Return on assets (ROA) | 0.6458% | 4,141 |
| Pretax return on assets | 0.7980% | 4,049 |
| Return on Equity (ROE) | 8.0409% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.9216% | 3,336 |
| Net charge-offs to loans | 0.0672% | 1,381 |
| Credit loss provision to net charge-offs | 78.9474% | 1,790 |
| Earnings coverage of net charge-offs (x) | 16.8158% | 1,684 |
| Efficiency ratio | 78.2695% | 1,237 |
| Assets per employee ($millions) | 4.4084% | 3,318 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,198 |
| Loan loss allowance to noncurrent loans | 1,542.1384% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,566 |
| Noncurrent loans to loans | 0.0705% | 4,445 |
| Net loans and leases to total assets | 73.3753% | 1,916 |
| Net loans and leases to deposits | 84.3425% | 2,347 |
| Net loans and leases to core deposits | 90.6625% | 2,429 |
| Total domestic deposits to total assets | 86.9968% | 1,816 |
| Equity capital to assets | 8.1061% | 5,149 |
| Core capital (leverage) ratio | 8.1262% | 5,176 |
| Tier 1 risk-based capital ratio | 10.0596% | 5,274 |
| Total risk-based capital ratio | 11.0655% | 5,276 |
| Memoranda: | ||
| Average total assets | $302,273,000 | 2,190 |
| Average earning assets | $275,529,500 | 2,204 |
| Average equity | $24,276,000 | 2,781 |
| Average total loans | $226,272,500 | 2,016 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 862 |
| Cost of funding earning assets | 0.9845% | 805 |
| Net interest margin | 4.1071% | 1,659 |
| Noninterest income to average assets | 0.8142% | 1,408 |
| Noninterest expense to average assets | 3.3202% | 1,274 |
| Loan and lease loss provision to assets | 0.2500% | 684 |
| Net operating income to assets | 0.7735% | 3,902 |
| Return on assets (ROA) | 0.7666% | 3,926 |
| Pretax return on assets | 0.9649% | 3,714 |
| Return on Equity (ROE) | 9.6473% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.1519% | 2,115 |
| Net charge-offs to loans | 0.1239% | 1,499 |
| Credit loss provision to net charge-offs | 274.8092% | 1,100 |
| Earnings coverage of net charge-offs (x) | 13.4504% | 2,455 |
| Efficiency ratio | 71.5366% | 1,965 |
| Assets per employee ($millions) | 4.4171% | 3,287 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,198 |
| Loan loss allowance to noncurrent loans | 509.3168% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,024 |
| Noncurrent loans to loans | 0.2129% | 3,814 |
| Net loans and leases to total assets | 74.7232% | 1,806 |
| Net loans and leases to deposits | 86.0675% | 2,262 |
| Net loans and leases to core deposits | 91.3799% | 2,463 |
| Total domestic deposits to total assets | 86.8192% | 1,865 |
| Equity capital to assets | 7.9547% | 5,178 |
| Core capital (leverage) ratio | 8.1472% | 5,191 |
| Tier 1 risk-based capital ratio | 9.7087% | 5,352 |
| Total risk-based capital ratio | 10.6930% | 5,352 |
| Memoranda: | ||
| Average total assets | $288,023,400 | 2,219 |
| Average earning assets | $261,545,800 | 2,256 |
| Average equity | $22,887,200 | 2,831 |
| Average total loans | $211,441,200 | 2,087 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 953 |
| Cost of funding earning assets | 0.9058% | 894 |
| Net interest margin | 4.0869% | 1,666 |
| Noninterest income to average assets | 0.8259% | 1,393 |
| Noninterest expense to average assets | 3.3176% | 1,267 |
| Loan and lease loss provision to assets | 0.2129% | 789 |
| Net operating income to assets | 0.8092% | 3,874 |
| Return on assets (ROA) | 0.7997% | 3,908 |
| Pretax return on assets | 0.9911% | 3,739 |
| Return on Equity (ROE) | 10.0664% | 2,590 |
| Retained earnings to average equity (ytd only) | 5.3542% | 3,026 |
| Net charge-offs to loans | 0.0353% | 2,381 |
| Credit loss provision to net charge-offs | 827.2727% | 476 |
| Earnings coverage of net charge-offs (x) | 47.2373% | 1,214 |
| Efficiency ratio | 71.2944% | 1,997 |
| Assets per employee ($millions) | 4.3781% | 3,311 |
| Cash dividends to net income (ytd only)* | 46.8110% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,128 |
| Loan loss allowance to noncurrent loans | 420.6655% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 3,409 |
| Noncurrent loans to loans | 0.2642% | 3,738 |
| Net loans and leases to total assets | 72.8658% | 2,195 |
| Net loans and leases to deposits | 83.7318% | 2,629 |
| Net loans and leases to core deposits | 87.3052% | 2,891 |
| Total domestic deposits to total assets | 87.0229% | 1,719 |
| Equity capital to assets | 7.8280% | 5,229 |
| Core capital (leverage) ratio | 8.1236% | 5,287 |
| Tier 1 risk-based capital ratio | 10.0027% | 5,378 |
| Total risk-based capital ratio | 11.0143% | 5,384 |
| Memoranda: | ||
| Average total assets | $284,938,750 | 2,248 |
| Average earning assets | $258,479,250 | 2,291 |
| Average equity | $22,635,750 | 2,863 |
| Average total loans | $207,576,500 | 2,122 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 983 |
| Cost of funding earning assets | 0.7791% | 1,224 |
| Net interest margin | 4.1360% | 1,457 |
| Noninterest income to average assets | 0.8046% | 1,463 |
| Noninterest expense to average assets | 3.3324% | 1,246 |
| Loan and lease loss provision to assets | 0.1595% | 1,170 |
| Net operating income to assets | 0.8556% | 3,649 |
| Return on assets (ROA) | 0.8556% | 3,649 |
| Pretax return on assets | 1.0647% | 3,456 |
| Return on Equity (ROE) | 10.7160% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,787 |
| Net charge-offs to loans | 0.0361% | 2,128 |
| Credit loss provision to net charge-offs | 608.1081% | 611 |
| Earnings coverage of net charge-offs (x) | 46.6757% | 1,178 |
| Efficiency ratio | 71.1419% | 2,136 |
| Assets per employee ($millions) | 4.4556% | 3,193 |
| Cash dividends to net income (ytd only)* | 66.2800% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,587 |
| Loan loss allowance to noncurrent loans | 332.8267% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 3,275 |
| Noncurrent loans to loans | 0.3128% | 3,584 |
| Net loans and leases to total assets | 71.8771% | 2,297 |
| Net loans and leases to deposits | 85.2647% | 2,403 |
| Net loans and leases to core deposits | 88.4056% | 2,688 |
| Total domestic deposits to total assets | 84.2988% | 2,958 |
| Equity capital to assets | 7.8332% | 5,290 |
| Core capital (leverage) ratio | 8.1177% | 5,305 |
| Tier 1 risk-based capital ratio | 10.1280% | 5,394 |
| Total risk-based capital ratio | 11.0842% | 5,415 |
| Memoranda: | ||
| Average total assets | $282,141,330 | 2,267 |
| Average earning assets | $255,946,330 | 2,313 |
| Average equity | $22,527,000 | 2,881 |
| Average total loans | $204,722,000 | 2,149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 1,167 |
| Cost of funding earning assets | 0.6862% | 1,516 |
| Net interest margin | 4.0728% | 1,509 |
| Noninterest income to average assets | 0.7284% | 1,708 |
| Noninterest expense to average assets | 3.2959% | 1,355 |
| Loan and lease loss provision to assets | 0.0848% | 2,109 |
| Net operating income to assets | 0.8391% | 3,561 |
| Return on assets (ROA) | 0.8391% | 3,574 |
| Pretax return on assets | 1.0402% | 3,394 |
| Return on Equity (ROE) | 10.4065% | 2,225 |
| Retained earnings to average equity (ytd only) | -3.8490% | 5,131 |
| Net charge-offs to loans | 0.0218% | 2,069 |
| Credit loss provision to net charge-offs | 536.3636% | 557 |
| Earnings coverage of net charge-offs (x) | 71.1818% | 765 |
| Efficiency ratio | 72.4732% | 2,125 |
| Assets per employee ($millions) | 4.0618% | 3,865 |
| Cash dividends to net income (ytd only)* | 136.9863% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,950 |
| Loan loss allowance to noncurrent loans | 10,250.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 3,438 |
| Noncurrent loans to loans | 0.0098% | 4,965 |
| Net loans and leases to total assets | 71.2909% | 2,283 |
| Net loans and leases to deposits | 84.6842% | 2,323 |
| Net loans and leases to core deposits | 93.7198% | 2,165 |
| Total domestic deposits to total assets | 84.1845% | 3,250 |
| Equity capital to assets | 7.7885% | 5,336 |
| Core capital (leverage) ratio | 8.3005% | 5,260 |
| Tier 1 risk-based capital ratio | 9.9767% | 5,507 |
| Total risk-based capital ratio | 10.8918% | 5,526 |
| Memoranda: | ||
| Average total assets | $278,404,500 | 2,315 |
| Average earning assets | $252,405,500 | 2,353 |
| Average equity | $22,447,500 | 2,914 |
| Average total loans | $201,904,500 | 2,181 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,171 |
| Cost of funding earning assets | 0.5977% | 1,611 |
| Net interest margin | 4.1125% | 1,396 |
| Noninterest income to average assets | 0.8855% | 1,313 |
| Noninterest expense to average assets | 3.4488% | 1,129 |
| Loan and lease loss provision to assets | 0.1161% | 1,960 |
| Net operating income to assets | 0.6073% | 3,972 |
| Return on assets (ROA) | 0.6161% | 3,988 |
| Pretax return on assets | 1.0259% | 3,473 |
| Return on Equity (ROE) | 7.0803% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.4748% | 3,198 |
| Net charge-offs to loans | 0.0159% | 3,560 |
| Credit loss provision to net charge-offs | 1,057.1429% | 343 |
| Earnings coverage of net charge-offs (x) | 102.7500% | 639 |
| Efficiency ratio | 73.1557% | 2,035 |
| Assets per employee ($millions) | 3.9490% | 4,047 |
| Cash dividends to net income (ytd only)* | 50.9230% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,903 |
| Loan loss allowance to noncurrent loans | 406.9106% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,743 |
| Noncurrent loans to loans | 0.2472% | 3,908 |
| Net loans and leases to total assets | 72.3195% | 2,176 |
| Net loans and leases to deposits | 86.6615% | 2,177 |
| Net loans and leases to core deposits | 96.7469% | 1,964 |
| Total domestic deposits to total assets | 83.4506% | 3,400 |
| Equity capital to assets | 8.3492% | 5,227 |
| Core capital (leverage) ratio | 8.7292% | 4,924 |
| Tier 1 risk-based capital ratio | 10.5458% | 5,354 |
| Total risk-based capital ratio | 11.4765% | 5,391 |
| Memoranda: | ||
| Average total assets | $254,989,600 | 2,455 |
| Average earning assets | $228,888,400 | 2,506 |
| Average equity | $22,188,200 | 2,939 |
| Average total loans | $175,680,800 | 2,375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,210 |
| Cost of funding earning assets | 0.5903% | 1,599 |
| Net interest margin | 4.0768% | 1,458 |
| Noninterest income to average assets | 0.8885% | 1,309 |
| Noninterest expense to average assets | 3.4985% | 997 |
| Loan and lease loss provision to assets | 0.0293% | 3,539 |
| Net operating income to assets | 0.7446% | 3,761 |
| Return on assets (ROA) | 0.7576% | 3,765 |
| Pretax return on assets | 1.0305% | 3,564 |
| Return on Equity (ROE) | 8.6114% | 2,807 |
| Retained earnings to average equity (ytd only) | 3.7735% | 3,677 |
| Net charge-offs to loans | -0.0118% | 4,677 |
| Credit loss provision to net charge-offs | -366.6667% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7979% | 1,776 |
| Assets per employee ($millions) | 3.5389% | 4,667 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,029 |
| Loan loss allowance to noncurrent loans | 1,244.1379% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 3,195 |
| Noncurrent loans to loans | 0.0807% | 4,748 |
| Net loans and leases to total assets | 70.8026% | 2,443 |
| Net loans and leases to deposits | 82.0464% | 2,771 |
| Net loans and leases to core deposits | 93.6315% | 2,298 |
| Total domestic deposits to total assets | 86.2958% | 2,183 |
| Equity capital to assets | 9.0775% | 4,839 |
| Core capital (leverage) ratio | 8.8727% | 4,902 |
| Tier 1 risk-based capital ratio | 12.0444% | 4,576 |
| Total risk-based capital ratio | 13.0218% | 4,654 |
| Memoranda: | ||
| Average total assets | $250,616,750 | 2,505 |
| Average earning assets | $224,518,750 | 2,571 |
| Average equity | $22,047,750 | 2,976 |
| Average total loans | $169,836,250 | 2,439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,373 |
| Cost of funding earning assets | 0.5961% | 1,475 |
| Net interest margin | 3.9601% | 1,739 |
| Noninterest income to average assets | 0.9153% | 1,229 |
| Noninterest expense to average assets | 3.4800% | 1,041 |
| Loan and lease loss provision to assets | 0.0391% | 3,230 |
| Net operating income to assets | 0.7023% | 3,839 |
| Return on assets (ROA) | 0.7268% | 3,791 |
| Pretax return on assets | 0.9736% | 3,671 |
| Return on Equity (ROE) | 8.3508% | 2,851 |
| Retained earnings to average equity (ytd only) | 1.0094% | 4,837 |
| Net charge-offs to loans | -0.0204% | 4,792 |
| Credit loss provision to net charge-offs | -288.2353% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7342% | 1,763 |
| Assets per employee ($millions) | 3.4819% | 4,743 |
| Cash dividends to net income (ytd only)* | 87.9121% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,822 |
| Loan loss allowance to noncurrent loans | 1,258.7413% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,045 |
| Noncurrent loans to loans | 0.0838% | 4,795 |
| Net loans and leases to total assets | 67.3223% | 2,900 |
| Net loans and leases to deposits | 80.1959% | 2,889 |
| Net loans and leases to core deposits | 88.3656% | 2,672 |
| Total domestic deposits to total assets | 83.9474% | 3,216 |
| Equity capital to assets | 8.9240% | 4,964 |
| Core capital (leverage) ratio | 8.9003% | 4,839 |
| Tier 1 risk-based capital ratio | 11.4357% | 4,999 |
| Total risk-based capital ratio | 12.3754% | 5,074 |
| Memoranda: | ||
| Average total assets | $250,402,670 | 2,514 |
| Average earning assets | $224,134,330 | 2,586 |
| Average equity | $21,794,330 | 2,999 |
| Average total loans | $166,547,670 | 2,480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 1,359 |
| Cost of funding earning assets | 0.6042% | 1,344 |
| Net interest margin | 3.9005% | 1,778 |
| Noninterest income to average assets | 0.9031% | 1,229 |
| Noninterest expense to average assets | 3.4381% | 1,131 |
| Loan and lease loss provision to assets | 0.0559% | 2,685 |
| Net operating income to assets | 0.6761% | 3,805 |
| Return on assets (ROA) | 0.7145% | 3,683 |
| Pretax return on assets | 0.9478% | 3,597 |
| Return on Equity (ROE) | 8.3142% | 2,760 |
| Retained earnings to average equity (ytd only) | -6.5658% | 5,469 |
| Net charge-offs to loans | -0.0340% | 4,991 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9738% | 1,910 |
| Assets per employee ($millions) | 3.4835% | 4,811 |
| Cash dividends to net income (ytd only)* | 178.9709% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,841 |
| Loan loss allowance to noncurrent loans | 928.6458% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 3,061 |
| Noncurrent loans to loans | 0.1160% | 4,731 |
| Net loans and leases to total assets | 66.2074% | 2,943 |
| Net loans and leases to deposits | 75.5737% | 3,247 |
| Net loans and leases to core deposits | 84.0498% | 2,893 |
| Total domestic deposits to total assets | 87.6064% | 1,941 |
| Equity capital to assets | 8.6743% | 5,093 |
| Core capital (leverage) ratio | 8.6896% | 5,061 |
| Tier 1 risk-based capital ratio | 11.8397% | 4,822 |
| Total risk-based capital ratio | 12.8267% | 4,882 |
| Memoranda: | ||
| Average total assets | $250,257,000 | 2,540 |
| Average earning assets | $223,767,500 | 2,608 |
| Average equity | $21,505,500 | 3,031 |
| Average total loans | $164,535,000 | 2,517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 1,458 |
| Cost of funding earning assets | 0.6555% | 1,024 |
| Net interest margin | 3.8700% | 2,067 |
| Noninterest income to average assets | 0.8786% | 1,485 |
| Noninterest expense to average assets | 3.2714% | 1,638 |
| Loan and lease loss provision to assets | 0.1398% | 1,783 |
| Net operating income to assets | 0.6955% | 3,802 |
| Return on assets (ROA) | 0.7307% | 3,753 |
| Pretax return on assets | 0.9792% | 3,542 |
| Return on Equity (ROE) | 8.3294% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.8646% | 2,436 |
| Net charge-offs to loans | 0.0820% | 2,517 |
| Credit loss provision to net charge-offs | 267.4419% | 1,076 |
| Earnings coverage of net charge-offs (x) | 20.5039% | 1,849 |
| Efficiency ratio | 73.6400% | 2,336 |
| Assets per employee ($millions) | 3.5165% | 4,738 |
| Cash dividends to net income (ytd only)* | 41.5973% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,950 |
| Loan loss allowance to noncurrent loans | 2,194.9367% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 3,317 |
| Noncurrent loans to loans | 0.0483% | 5,053 |
| Net loans and leases to total assets | 63.9070% | 3,370 |
| Net loans and leases to deposits | 73.4900% | 3,567 |
| Net loans and leases to core deposits | 83.1764% | 3,111 |
| Total domestic deposits to total assets | 86.9601% | 2,171 |
| Equity capital to assets | 8.5143% | 5,262 |
| Core capital (leverage) ratio | 8.8705% | 4,889 |
| Tier 1 risk-based capital ratio | 12.0938% | 4,665 |
| Total risk-based capital ratio | 13.0580% | 4,755 |
| Memoranda: | ||
| Average total assets | $246,742,800 | 2,533 |
| Average earning assets | $220,902,800 | 2,585 |
| Average equity | $21,646,200 | 3,010 |
| Average total loans | $157,390,200 | 2,550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 1,386 |
| Cost of funding earning assets | 0.6687% | 956 |
| Net interest margin | 3.8902% | 2,008 |
| Noninterest income to average assets | 0.8333% | 1,633 |
| Noninterest expense to average assets | 3.2749% | 1,617 |
| Loan and lease loss provision to assets | 0.1632% | 1,409 |
| Net operating income to assets | 0.6183% | 4,217 |
| Return on assets (ROA) | 0.6886% | 4,045 |
| Pretax return on assets | 0.9747% | 3,721 |
| Return on Equity (ROE) | 7.7899% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.1750% | 4,012 |
| Net charge-offs to loans | 0.0471% | 2,703 |
| Credit loss provision to net charge-offs | 545.4545% | 663 |
| Earnings coverage of net charge-offs (x) | 34.7279% | 1,353 |
| Efficiency ratio | 74.2151% | 2,245 |
| Assets per employee ($millions) | 3.4343% | 4,863 |
| Cash dividends to net income (ytd only)* | 59.2419% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,719 |
| Loan loss allowance to noncurrent loans | 375.9062% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 2,910 |
| Noncurrent loans to loans | 0.2985% | 4,183 |
| Net loans and leases to total assets | 61.9605% | 3,641 |
| Net loans and leases to deposits | 70.0538% | 3,982 |
| Net loans and leases to core deposits | 80.2279% | 3,426 |
| Total domestic deposits to total assets | 88.4470% | 1,170 |
| Equity capital to assets | 8.8570% | 5,277 |
| Core capital (leverage) ratio | 8.4872% | 5,367 |
| Tier 1 risk-based capital ratio | 13.0018% | 4,158 |
| Total risk-based capital ratio | 14.0922% | 4,169 |
| Memoranda: | ||
| Average total assets | $245,132,250 | 2,557 |
| Average earning assets | $219,317,000 | 2,613 |
| Average equity | $21,668,500 | 3,035 |
| Average total loans | $155,853,500 | 2,571 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,175 |
| Cost of funding earning assets | 0.6801% | 890 |
| Net interest margin | 3.9660% | 1,753 |
| Noninterest income to average assets | 0.8517% | 1,538 |
| Noninterest expense to average assets | 3.2802% | 1,633 |
| Loan and lease loss provision to assets | 0.1726% | 1,279 |
| Net operating income to assets | 0.6750% | 3,931 |
| Return on assets (ROA) | 0.7054% | 3,909 |
| Pretax return on assets | 0.9939% | 3,612 |
| Return on Equity (ROE) | 7.9852% | 2,978 |
| Retained earnings to average equity (ytd only) | 1.0051% | 4,987 |
| Net charge-offs to loans | 0.0193% | 3,109 |
| Credit loss provision to net charge-offs | 1,400.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 91.1333% | 626 |
| Efficiency ratio | 72.8019% | 2,547 |
| Assets per employee ($millions) | 3.1389% | 5,281 |
| Cash dividends to net income (ytd only)* | 87.4126% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,888 |
| Loan loss allowance to noncurrent loans | 343.9759% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 3,233 |
| Noncurrent loans to loans | 0.3230% | 4,210 |
| Net loans and leases to total assets | 62.2724% | 3,592 |
| Net loans and leases to deposits | 71.3392% | 3,852 |
| Net loans and leases to core deposits | 79.4878% | 3,509 |
| Total domestic deposits to total assets | 87.2906% | 1,760 |
| Equity capital to assets | 8.9979% | 5,239 |
| Core capital (leverage) ratio | 8.5477% | 5,322 |
| Tier 1 risk-based capital ratio | 12.8090% | 4,308 |
| Total risk-based capital ratio | 13.8675% | 4,340 |
| Memoranda: | ||
| Average total assets | $243,274,670 | 2,584 |
| Average earning assets | $217,904,670 | 2,636 |
| Average equity | $21,489,670 | 3,053 |
| Average total loans | $155,437,670 | 2,585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,182 |
| Cost of funding earning assets | 0.6823% | 880 |
| Net interest margin | 3.9488% | 1,787 |
| Noninterest income to average assets | 0.8264% | 1,534 |
| Noninterest expense to average assets | 3.2660% | 1,675 |
| Loan and lease loss provision to assets | 0.1650% | 1,252 |
| Net operating income to assets | 0.6624% | 3,918 |
| Return on assets (ROA) | 0.7225% | 3,719 |
| Pretax return on assets | 1.0326% | 3,350 |
| Return on Equity (ROE) | 8.2566% | 2,780 |
| Retained earnings to average equity (ytd only) | -5.8814% | 5,649 |
| Net charge-offs to loans | 0.0384% | 2,225 |
| Credit loss provision to net charge-offs | 666.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 44.9333% | 945 |
| Efficiency ratio | 72.9088% | 2,657 |
| Assets per employee ($millions) | 3.3622% | 5,032 |
| Cash dividends to net income (ytd only)* | 171.2329% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 4,347 |
| Loan loss allowance to noncurrent loans | 763.3333% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,222 |
| Noncurrent loans to loans | 0.1372% | 4,927 |
| Net loans and leases to total assets | 61.6929% | 3,566 |
| Net loans and leases to deposits | 70.0725% | 3,851 |
| Net loans and leases to core deposits | 78.7558% | 3,425 |
| Total domestic deposits to total assets | 88.0415% | 1,618 |
| Equity capital to assets | 8.5589% | 5,526 |
| Core capital (leverage) ratio | 8.4112% | 5,470 |
| Tier 1 risk-based capital ratio | 12.7546% | 4,430 |
| Total risk-based capital ratio | 13.7698% | 4,473 |
| Memoranda: | ||
| Average total assets | $242,495,000 | 2,603 |
| Average earning assets | $218,091,000 | 2,644 |
| Average equity | $21,219,500 | 3,084 |
| Average total loans | $156,068,000 | 2,569 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,303 |
| Cost of funding earning assets | 0.7643% | 597 |
| Net interest margin | 3.8485% | 2,206 |
| Noninterest income to average assets | 0.8768% | 1,510 |
| Noninterest expense to average assets | 3.3025% | 1,713 |
| Loan and lease loss provision to assets | 0.2341% | 836 |
| Net operating income to assets | 0.5928% | 4,307 |
| Return on assets (ROA) | 0.6584% | 4,089 |
| Pretax return on assets | 0.8708% | 3,949 |
| Return on Equity (ROE) | 7.4301% | 3,288 |
| Retained earnings to average equity (ytd only) | 4.5484% | 2,744 |
| Net charge-offs to loans | 0.2103% | 1,399 |
| Credit loss provision to net charge-offs | 187.0748% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.1395% | 2,993 |
| Efficiency ratio | 74.6552% | 2,481 |
| Assets per employee ($millions) | 3.2815% | 5,177 |
| Cash dividends to net income (ytd only)* | 38.7847% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,850 |
| Loan loss allowance to noncurrent loans | 89.2878% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 2,218 |
| Noncurrent loans to loans | 1.0678% | 2,207 |
| Net loans and leases to total assets | 65.7888% | 3,015 |
| Net loans and leases to deposits | 75.6663% | 3,297 |
| Net loans and leases to core deposits | 85.9486% | 2,801 |
| Total domestic deposits to total assets | 86.9459% | 2,165 |
| Equity capital to assets | 8.9468% | 5,175 |
| Core capital (leverage) ratio | 8.6615% | 5,264 |
| Tier 1 risk-based capital ratio | 12.5322% | 4,608 |
| Total risk-based capital ratio | 13.4586% | 4,723 |
| Memoranda: | ||
| Average total assets | $234,946,400 | 2,623 |
| Average earning assets | $210,265,000 | 2,677 |
| Average equity | $20,820,600 | 3,093 |
| Average total loans | $139,809,200 | 2,724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,294 |
| Cost of funding earning assets | 0.7846% | 540 |
| Net interest margin | 3.8299% | 2,269 |
| Noninterest income to average assets | 0.9233% | 1,390 |
| Noninterest expense to average assets | 3.3481% | 1,580 |
| Loan and lease loss provision to assets | 0.2549% | 667 |
| Net operating income to assets | 0.5597% | 4,563 |
| Return on assets (ROA) | 0.6478% | 4,256 |
| Pretax return on assets | 0.8588% | 4,137 |
| Return on Equity (ROE) | 7.3285% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.4578% | 4,005 |
| Net charge-offs to loans | 0.2548% | 1,030 |
| Credit loss provision to net charge-offs | 173.2558% | 1,508 |
| Earnings coverage of net charge-offs (x) | 6.7714% | 3,006 |
| Efficiency ratio | 75.2954% | 2,353 |
| Assets per employee ($millions) | 3.2491% | 5,221 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,753 |
| Loan loss allowance to noncurrent loans | 86.9383% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 2,399 |
| Noncurrent loans to loans | 1.1490% | 2,214 |
| Net loans and leases to total assets | 60.6318% | 3,791 |
| Net loans and leases to deposits | 68.9163% | 4,100 |
| Net loans and leases to core deposits | 79.6951% | 3,449 |
| Total domestic deposits to total assets | 87.9790% | 1,570 |
| Equity capital to assets | 8.8758% | 5,422 |
| Core capital (leverage) ratio | 8.5779% | 5,488 |
| Tier 1 risk-based capital ratio | 13.4737% | 4,152 |
| Total risk-based capital ratio | 14.4477% | 4,248 |
| Memoranda: | ||
| Average total assets | $233,795,500 | 2,649 |
| Average earning assets | $208,843,000 | 2,711 |
| Average equity | $20,667,750 | 3,131 |
| Average total loans | $134,983,000 | 2,821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,382 |
| Cost of funding earning assets | 0.7956% | 512 |
| Net interest margin | 3.7625% | 2,468 |
| Noninterest income to average assets | 0.9155% | 1,403 |
| Noninterest expense to average assets | 3.3430% | 1,592 |
| Loan and lease loss provision to assets | 0.2682% | 618 |
| Net operating income to assets | 0.5047% | 4,745 |
| Return on assets (ROA) | 0.6138% | 4,401 |
| Pretax return on assets | 0.8097% | 4,289 |
| Return on Equity (ROE) | 6.9524% | 3,640 |
| Retained earnings to average equity (ytd only) | 1.1100% | 5,126 |
| Net charge-offs to loans | 0.4029% | 645 |
| Credit loss provision to net charge-offs | 117.7358% | 1,830 |
| Earnings coverage of net charge-offs (x) | 4.1019% | 3,090 |
| Efficiency ratio | 76.3465% | 2,301 |
| Assets per employee ($millions) | 3.1109% | 5,452 |
| Cash dividends to net income (ytd only)* | 84.0336% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,272 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 2,756 |
| Noncurrent loans to loans | 0.9913% | 2,661 |
| Net loans and leases to total assets | 61.1814% | 3,667 |
| Net loans and leases to deposits | 70.4418% | 3,879 |
| Net loans and leases to core deposits | 78.9660% | 3,487 |
| Total domestic deposits to total assets | 86.8539% | 2,244 |
| Equity capital to assets | 8.7589% | 5,474 |
| Core capital (leverage) ratio | 8.6257% | 5,406 |
| Tier 1 risk-based capital ratio | 12.7308% | 4,662 |
| Total risk-based capital ratio | 13.5760% | 4,821 |
| Memoranda: | ||
| Average total assets | $232,666,000 | 2,681 |
| Average earning assets | $207,895,330 | 2,736 |
| Average equity | $20,539,670 | 3,158 |
| Average total loans | $131,557,330 | 2,883 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,753 |
| Cost of funding earning assets | 0.8042% | 485 |
| Net interest margin | 3.6007% | 3,000 |
| Noninterest income to average assets | 0.7799% | 1,787 |
| Noninterest expense to average assets | 3.2470% | 1,849 |
| Loan and lease loss provision to assets | 0.2582% | 628 |
| Net operating income to assets | 0.3744% | 5,171 |
| Return on assets (ROA) | 0.5733% | 4,496 |
| Pretax return on assets | 0.7506% | 4,426 |
| Return on Equity (ROE) | 6.4687% | 3,789 |
| Retained earnings to average equity (ytd only) | -5.1866% | 5,946 |
| Net charge-offs to loans | 0.3543% | 691 |
| Credit loss provision to net charge-offs | 135.1351% | 1,341 |
| Earnings coverage of net charge-offs (x) | 3.9099% | 2,552 |
| Efficiency ratio | 79.3534% | 1,979 |
| Assets per employee ($millions) | 3.1957% | 5,423 |
| Cash dividends to net income (ytd only)* | 180.1802% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,947 |
| Loan loss allowance to noncurrent loans | 87.6094% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 2,771 |
| Noncurrent loans to loans | 1.1569% | 2,455 |
| Net loans and leases to total assets | 54.4652% | 4,377 |
| Net loans and leases to deposits | 62.9271% | 4,487 |
| Net loans and leases to core deposits | 71.0830% | 4,054 |
| Total domestic deposits to total assets | 86.5528% | 2,632 |
| Equity capital to assets | 8.8515% | 5,443 |
| Core capital (leverage) ratio | 8.4518% | 5,573 |
| Tier 1 risk-based capital ratio | 12.9733% | 4,618 |
| Total risk-based capital ratio | 13.8510% | 4,757 |
| Memoranda: | ||
| Average total assets | $232,341,000 | 2,702 |
| Average earning assets | $207,404,500 | 2,753 |
| Average equity | $20,591,500 | 3,176 |
| Average total loans | $125,308,500 | 2,993 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,847 |
| Cost of funding earning assets | 0.8868% | 415 |
| Net interest margin | 3.6172% | 3,344 |
| Noninterest income to average assets | 0.8752% | 1,586 |
| Noninterest expense to average assets | 3.2618% | 2,032 |
| Loan and lease loss provision to assets | 0.0917% | 2,629 |
| Net operating income to assets | 0.5659% | 4,527 |
| Return on assets (ROA) | 0.5870% | 4,512 |
| Pretax return on assets | 0.7897% | 4,295 |
| Return on Equity (ROE) | 6.6952% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,635 |
| Net charge-offs to loans | 0.1038% | 3,026 |
| Credit loss provision to net charge-offs | 173.7288% | 1,398 |
| Earnings coverage of net charge-offs (x) | 16.1525% | 2,035 |
| Efficiency ratio | 77.3162% | 2,311 |
| Assets per employee ($millions) | 3.3536% | 5,155 |
| Cash dividends to net income (ytd only)* | 45.7317% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 4,893 |
| Loan loss allowance to noncurrent loans | 102.3520% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 2,859 |
| Noncurrent loans to loans | 1.0085% | 2,810 |
| Net loans and leases to total assets | 52.2889% | 4,761 |
| Net loans and leases to deposits | 60.6880% | 4,840 |
| Net loans and leases to core deposits | 69.4075% | 4,374 |
| Total domestic deposits to total assets | 86.1603% | 2,747 |
| Equity capital to assets | 8.8738% | 5,408 |
| Core capital (leverage) ratio | 8.2639% | 5,808 |
| Tier 1 risk-based capital ratio | 12.8161% | 4,848 |
| Total risk-based capital ratio | 13.6605% | 5,006 |
| Memoranda: | ||
| Average total assets | $223,493,200 | 2,747 |
| Average earning assets | $200,157,400 | 2,807 |
| Average equity | $19,596,000 | 3,200 |
| Average total loans | $113,729,000 | 3,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,951 |
| Cost of funding earning assets | 0.8865% | 444 |
| Net interest margin | 3.5923% | 3,457 |
| Noninterest income to average assets | 0.8866% | 1,563 |
| Noninterest expense to average assets | 3.3008% | 1,897 |
| Loan and lease loss provision to assets | 0.1126% | 2,167 |
| Net operating income to assets | 0.5162% | 4,820 |
| Return on assets (ROA) | 0.5447% | 4,773 |
| Pretax return on assets | 0.7313% | 4,589 |
| Return on Equity (ROE) | 6.2322% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.4776% | 4,158 |
| Net charge-offs to loans | 0.1123% | 2,678 |
| Credit loss provision to net charge-offs | 198.9362% | 1,274 |
| Earnings coverage of net charge-offs (x) | 14.2341% | 2,160 |
| Efficiency ratio | 78.4081% | 2,119 |
| Assets per employee ($millions) | 3.2811% | 5,270 |
| Cash dividends to net income (ytd only)* | 44.1988% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 4,933 |
| Loan loss allowance to noncurrent loans | 79.7484% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 2,965 |
| Noncurrent loans to loans | 1.3318% | 2,419 |
| Net loans and leases to total assets | 50.7057% | 4,924 |
| Net loans and leases to deposits | 58.6947% | 5,050 |
| Net loans and leases to core deposits | 67.7765% | 4,529 |
| Total domestic deposits to total assets | 86.3890% | 2,650 |
| Equity capital to assets | 8.6398% | 5,686 |
| Core capital (leverage) ratio | 8.4761% | 5,678 |
| Tier 1 risk-based capital ratio | 12.9656% | 4,886 |
| Total risk-based capital ratio | 13.8355% | 5,043 |
| Memoranda: | ||
| Average total assets | $221,516,750 | 2,787 |
| Average earning assets | $198,529,000 | 2,846 |
| Average equity | $19,361,500 | 3,242 |
| Average total loans | $111,596,750 | 3,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,907 |
| Cost of funding earning assets | 0.8921% | 447 |
| Net interest margin | 3.5838% | 3,430 |
| Noninterest income to average assets | 0.8516% | 1,650 |
| Noninterest expense to average assets | 3.3881% | 1,702 |
| Loan and lease loss provision to assets | 0.1213% | 2,023 |
| Net operating income to assets | 0.4288% | 5,102 |
| Return on assets (ROA) | 0.4832% | 4,946 |
| Pretax return on assets | 0.6238% | 4,881 |
| Return on Equity (ROE) | 5.5060% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.1040% | 4,845 |
| Net charge-offs to loans | 0.1119% | 2,541 |
| Credit loss provision to net charge-offs | 216.3934% | 1,097 |
| Earnings coverage of net charge-offs (x) | 12.0328% | 2,095 |
| Efficiency ratio | 81.3659% | 1,829 |
| Assets per employee ($millions) | 2.9789% | 5,780 |
| Cash dividends to net income (ytd only)* | 61.7871% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,948 |
| Loan loss allowance to noncurrent loans | 91.4160% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 3,776 |
| Noncurrent loans to loans | 1.1936% | 2,846 |
| Net loans and leases to total assets | 51.9369% | 4,751 |
| Net loans and leases to deposits | 61.0882% | 4,780 |
| Net loans and leases to core deposits | 68.2728% | 4,439 |
| Total domestic deposits to total assets | 85.0195% | 3,496 |
| Equity capital to assets | 9.0738% | 5,226 |
| Core capital (leverage) ratio | 8.6318% | 5,493 |
| Tier 1 risk-based capital ratio | 13.6460% | 4,491 |
| Total risk-based capital ratio | 14.5625% | 4,647 |
| Memoranda: | ||
| Average total assets | $217,703,000 | 2,837 |
| Average earning assets | $195,046,670 | 2,894 |
| Average equity | $19,106,330 | 3,271 |
| Average total loans | $108,998,670 | 3,269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,410 |
| Cost of funding earning assets | 0.8811% | 501 |
| Net interest margin | 3.4490% | 3,908 |
| Noninterest income to average assets | 0.7529% | 1,950 |
| Noninterest expense to average assets | 3.3752% | 1,767 |
| Loan and lease loss provision to assets | 0.1194% | 1,997 |
| Net operating income to assets | 0.3305% | 5,390 |
| Return on assets (ROA) | 0.3305% | 5,440 |
| Pretax return on assets | 0.3709% | 5,540 |
| Return on Equity (ROE) | 3.8311% | 5,122 |
| Retained earnings to average equity (ytd only) | -3.0862% | 5,972 |
| Net charge-offs to loans | 0.0451% | 2,750 |
| Credit loss provision to net charge-offs | 541.6667% | 506 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,260 |
| Efficiency ratio | 85.1781% | 1,524 |
| Assets per employee ($millions) | 3.1036% | 5,682 |
| Cash dividends to net income (ytd only)* | 180.5556% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,814 |
| Loan loss allowance to noncurrent loans | 75.6158% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7982% | 3,746 |
| Noncurrent loans to loans | 1.5351% | 2,505 |
| Net loans and leases to total assets | 48.1310% | 5,110 |
| Net loans and leases to deposits | 56.1957% | 5,100 |
| Net loans and leases to core deposits | 62.6550% | 4,814 |
| Total domestic deposits to total assets | 85.6489% | 3,534 |
| Equity capital to assets | 8.7558% | 5,388 |
| Core capital (leverage) ratio | 8.4987% | 5,648 |
| Tier 1 risk-based capital ratio | 13.6291% | 4,594 |
| Total risk-based capital ratio | 14.5506% | 4,755 |
| Memoranda: | ||
| Average total assets | $217,823,500 | 2,853 |
| Average earning assets | $196,580,000 | 2,889 |
| Average equity | $18,793,500 | 3,313 |
| Average total loans | $106,403,500 | 3,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,603 |
| Cost of funding earning assets | 1.0131% | 417 |
| Net interest margin | 3.1212% | 5,254 |
| Noninterest income to average assets | 0.9395% | 1,548 |
| Noninterest expense to average assets | 2.9318% | 3,272 |
| Loan and lease loss provision to assets | 0.1464% | 2,467 |
| Net operating income to assets | 0.5051% | 4,711 |
| Return on assets (ROA) | 0.5525% | 4,622 |
| Pretax return on assets | 0.7121% | 4,494 |
| Return on Equity (ROE) | 6.3563% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.2516% | 3,154 |
| Net charge-offs to loans | 0.2932% | 2,223 |
| Credit loss provision to net charge-offs | 110.7266% | 2,177 |
| Earnings coverage of net charge-offs (x) | 6.0346% | 3,144 |
| Efficiency ratio | 76.4042% | 2,718 |
| Assets per employee ($millions) | 3.1652% | 5,559 |
| Cash dividends to net income (ytd only)* | 33.1126% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,163 |
| Loan loss allowance to noncurrent loans | 307.5916% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 5,534 |
| Noncurrent loans to loans | 0.3570% | 5,118 |
| Net loans and leases to total assets | 48.4620% | 5,243 |
| Net loans and leases to deposits | 56.3828% | 5,264 |
| Net loans and leases to core deposits | 63.7154% | 4,894 |
| Total domestic deposits to total assets | 85.9517% | 3,283 |
| Equity capital to assets | 8.5006% | 5,583 |
| Core capital (leverage) ratio | 8.4296% | 5,744 |
| Tier 1 risk-based capital ratio | 13.5620% | 4,607 |
| Total risk-based capital ratio | 14.4346% | 4,797 |
| Memoranda: | ||
| Average total assets | $218,638,000 | 2,824 |
| Average earning assets | $195,437,800 | 2,883 |
| Average equity | $19,004,800 | 3,278 |
| Average total loans | $98,567,600 | 3,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,880 |
| Cost of funding earning assets | 1.0395% | 407 |
| Net interest margin | 3.0261% | 5,530 |
| Noninterest income to average assets | 0.9626% | 1,572 |
| Noninterest expense to average assets | 2.8452% | 3,508 |
| Loan and lease loss provision to assets | 0.1463% | 2,451 |
| Net operating income to assets | 0.5208% | 4,714 |
| Return on assets (ROA) | 0.5408% | 4,761 |
| Pretax return on assets | 0.6907% | 4,718 |
| Return on Equity (ROE) | 6.1871% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.7920% | 3,241 |
| Net charge-offs to loans | 0.3511% | 1,791 |
| Credit loss provision to net charge-offs | 94.4882% | 2,520 |
| Earnings coverage of net charge-offs (x) | 5.2401% | 3,247 |
| Efficiency ratio | 75.5585% | 2,795 |
| Assets per employee ($millions) | 3.4280% | 4,995 |
| Cash dividends to net income (ytd only)* | 22.5479% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,044 |
| Loan loss allowance to noncurrent loans | 508.5586% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 5,380 |
| Noncurrent loans to loans | 0.2290% | 5,659 |
| Net loans and leases to total assets | 43.6666% | 5,753 |
| Net loans and leases to deposits | 51.1108% | 5,769 |
| Net loans and leases to core deposits | 58.5251% | 5,408 |
| Total domestic deposits to total assets | 85.4353% | 3,530 |
| Equity capital to assets | 8.4939% | 5,741 |
| Core capital (leverage) ratio | 8.3759% | 5,883 |
| Tier 1 risk-based capital ratio | 14.1581% | 4,317 |
| Total risk-based capital ratio | 15.0397% | 4,528 |
| Memoranda: | ||
| Average total assets | $218,698,500 | 2,845 |
| Average earning assets | $194,703,000 | 2,918 |
| Average equity | $19,114,750 | 3,300 |
| Average total loans | $96,456,000 | 3,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,077 |
| Cost of funding earning assets | 1.0595% | 408 |
| Net interest margin | 2.9488% | 5,697 |
| Noninterest income to average assets | 0.9439% | 1,680 |
| Noninterest expense to average assets | 2.7986% | 3,683 |
| Loan and lease loss provision to assets | 0.1492% | 2,467 |
| Net operating income to assets | 0.4820% | 4,873 |
| Return on assets (ROA) | 0.5127% | 4,916 |
| Pretax return on assets | 0.6573% | 4,825 |
| Return on Equity (ROE) | 5.8107% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.8107% | 2,549 |
| Net charge-offs to loans | 0.4278% | 1,510 |
| Credit loss provision to net charge-offs | 79.1262% | 2,645 |
| Earnings coverage of net charge-offs (x) | 4.0680% | 3,222 |
| Efficiency ratio | 76.1746% | 2,756 |
| Assets per employee ($millions) | 3.2910% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,430 |
| Loan loss allowance to noncurrent loans | 120.4595% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 4,675 |
| Noncurrent loans to loans | 0.9158% | 4,097 |
| Net loans and leases to total assets | 46.1431% | 5,517 |
| Net loans and leases to deposits | 54.1725% | 5,508 |
| Net loans and leases to core deposits | 60.0573% | 5,260 |
| Total domestic deposits to total assets | 85.1781% | 3,812 |
| Equity capital to assets | 8.6568% | 5,604 |
| Core capital (leverage) ratio | 8.3087% | 5,881 |
| Tier 1 risk-based capital ratio | 13.6634% | 4,664 |
| Total risk-based capital ratio | 14.5100% | 4,889 |
| Memoranda: | ||
| Average total assets | $218,466,670 | 2,863 |
| Average earning assets | $194,248,330 | 2,938 |
| Average equity | $19,274,670 | 3,297 |
| Average total loans | $96,297,670 | 3,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 4,156 |
| Cost of funding earning assets | 1.0725% | 428 |
| Net interest margin | 2.9187% | 5,775 |
| Noninterest income to average assets | 0.7973% | 2,134 |
| Noninterest expense to average assets | 2.7435% | 3,907 |
| Loan and lease loss provision to assets | 0.0725% | 3,422 |
| Net operating income to assets | 0.4383% | 4,966 |
| Return on assets (ROA) | 0.4983% | 4,830 |
| Pretax return on assets | 0.6433% | 4,794 |
| Return on Equity (ROE) | 5.5971% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.5971% | 2,902 |
| Net charge-offs to loans | 0.4992% | 1,207 |
| Credit loss provision to net charge-offs | 33.8983% | 2,828 |
| Earnings coverage of net charge-offs (x) | 2.9831% | 2,883 |
| Efficiency ratio | 78.7245% | 2,500 |
| Assets per employee ($millions) | 3.5343% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,469 |
| Loan loss allowance to noncurrent loans | 1,225.2874% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 5,659 |
| Noncurrent loans to loans | 0.0925% | 6,202 |
| Net loans and leases to total assets | 42.4445% | 5,812 |
| Net loans and leases to deposits | 49.9265% | 5,792 |
| Net loans and leases to core deposits | 55.5279% | 5,557 |
| Total domestic deposits to total assets | 85.0141% | 4,030 |
| Equity capital to assets | 8.9656% | 5,528 |
| Core capital (leverage) ratio | 8.1692% | 5,963 |
| Tier 1 risk-based capital ratio | 14.1122% | 4,420 |
| Total risk-based capital ratio | 14.9662% | 4,672 |
| Memoranda: | ||
| Average total assets | $220,743,500 | 2,863 |
| Average earning assets | $195,432,000 | 2,953 |
| Average equity | $19,653,000 | 3,291 |
| Average total loans | $94,543,000 | 3,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 3,235 |
| Cost of funding earning assets | 1.2509% | 460 |
| Net interest margin | 3.2905% | 5,273 |
| Noninterest income to average assets | 1.1958% | 1,097 |
| Noninterest expense to average assets | 2.9534% | 3,453 |
| Loan and lease loss provision to assets | 0.2132% | 3,014 |
| Net operating income to assets | 0.7680% | 3,427 |
| Return on assets (ROA) | 0.8923% | 3,090 |
| Pretax return on assets | 1.1143% | 3,112 |
| Return on Equity (ROE) | 9.2629% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.9757% | 1,579 |
| Net charge-offs to loans | 0.2268% | 3,575 |
| Credit loss provision to net charge-offs | 200.5181% | 1,292 |
| Earnings coverage of net charge-offs (x) | 11.0259% | 2,077 |
| Efficiency ratio | 71.5888% | 3,502 |
| Assets per employee ($millions) | 3.8338% | 4,300 |
| Cash dividends to net income (ytd only)* | 24.6914% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,091 |
| Loan loss allowance to noncurrent loans | 1,588.8889% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 6,000 |
| Noncurrent loans to loans | 0.0758% | 6,295 |
| Net loans and leases to total assets | 42.2147% | 5,982 |
| Net loans and leases to deposits | 49.5607% | 5,983 |
| Net loans and leases to core deposits | 56.0395% | 5,711 |
| Total domestic deposits to total assets | 85.1777% | 3,775 |
| Equity capital to assets | 8.8415% | 5,696 |
| Core capital (leverage) ratio | 8.7625% | 5,244 |
| Tier 1 risk-based capital ratio | 13.6956% | 4,607 |
| Total risk-based capital ratio | 14.6049% | 4,807 |
| Memoranda: | ||
| Average total assets | $181,555,200 | 3,294 |
| Average earning assets | $161,645,800 | 3,359 |
| Average equity | $17,489,200 | 3,538 |
| Average total loans | $85,096,000 | 3,875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 2,642 |
| Cost of funding earning assets | 1.2941% | 447 |
| Net interest margin | 3.4407% | 4,873 |
| Noninterest income to average assets | 1.3656% | 800 |
| Noninterest expense to average assets | 3.0595% | 3,021 |
| Loan and lease loss provision to assets | 0.2272% | 2,789 |
| Net operating income to assets | 0.9239% | 2,859 |
| Return on assets (ROA) | 1.0777% | 2,379 |
| Pretax return on assets | 1.3453% | 2,430 |
| Return on Equity (ROE) | 10.8968% | 1,994 |
| Retained earnings to average equity (ytd only) | 7.7497% | 1,729 |
| Net charge-offs to loans | 0.1888% | 3,608 |
| Credit loss provision to net charge-offs | 249.5726% | 1,111 |
| Earnings coverage of net charge-offs (x) | 15.1620% | 1,783 |
| Efficiency ratio | 68.9099% | 3,891 |
| Assets per employee ($millions) | 3.7926% | 4,317 |
| Cash dividends to net income (ytd only)* | 28.8809% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,553 |
| Loan loss allowance to noncurrent loans | 450.0000% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 5,807 |
| Noncurrent loans to loans | 0.3015% | 5,890 |
| Net loans and leases to total assets | 45.8920% | 5,773 |
| Net loans and leases to deposits | 55.7435% | 5,656 |
| Net loans and leases to core deposits | 66.3678% | 4,914 |
| Total domestic deposits to total assets | 82.3272% | 4,910 |
| Equity capital to assets | 9.9584% | 4,554 |
| Core capital (leverage) ratio | 9.3309% | 4,530 |
| Tier 1 risk-based capital ratio | 15.1645% | 3,733 |
| Total risk-based capital ratio | 16.2262% | 3,814 |
| Memoranda: | ||
| Average total assets | $171,353,750 | 3,463 |
| Average earning assets | $153,105,000 | 3,530 |
| Average equity | $16,946,500 | 3,670 |
| Average total loans | $82,616,750 | 4,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 2,192 |
| Cost of funding earning assets | 1.3316% | 461 |
| Net interest margin | 3.5477% | 4,479 |
| Noninterest income to average assets | 1.6149% | 569 |
| Noninterest expense to average assets | 3.1102% | 2,896 |
| Loan and lease loss provision to assets | 0.2721% | 2,406 |
| Net operating income to assets | 1.1287% | 1,949 |
| Return on assets (ROA) | 1.2398% | 1,768 |
| Pretax return on assets | 1.5250% | 1,787 |
| Return on Equity (ROE) | 12.5672% | 1,481 |
| Retained earnings to average equity (ytd only) | 7.7706% | 1,731 |
| Net charge-offs to loans | 0.2472% | 3,096 |
| Credit loss provision to net charge-offs | 225.4902% | 1,261 |
| Earnings coverage of net charge-offs (x) | 13.7549% | 1,765 |
| Efficiency ratio | 65.2034% | 4,684 |
| Assets per employee ($millions) | 3.4511% | 5,092 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,757 |
| Loan loss allowance to noncurrent loans | 2,395.5556% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 6,146 |
| Noncurrent loans to loans | 0.0554% | 6,542 |
| Net loans and leases to total assets | 47.3915% | 5,673 |
| Net loans and leases to deposits | 58.0191% | 5,445 |
| Net loans and leases to core deposits | 65.8126% | 5,024 |
| Total domestic deposits to total assets | 81.6827% | 5,239 |
| Equity capital to assets | 10.1631% | 4,107 |
| Core capital (leverage) ratio | 9.3416% | 4,386 |
| Tier 1 risk-based capital ratio | 15.3866% | 3,512 |
| Total risk-based capital ratio | 16.4412% | 3,601 |
| Memoranda: | ||
| Average total assets | $169,054,670 | 3,515 |
| Average earning assets | $150,349,330 | 3,593 |
| Average equity | $16,678,330 | 3,704 |
| Average total loans | $82,513,000 | 4,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9149% | 2,185 |
| Cost of funding earning assets | 1.3525% | 509 |
| Net interest margin | 3.5624% | 4,431 |
| Noninterest income to average assets | 1.8837% | 455 |
| Noninterest expense to average assets | 3.2254% | 2,518 |
| Loan and lease loss provision to assets | 0.4733% | 1,293 |
| Net operating income to assets | 1.0630% | 2,237 |
| Return on assets (ROA) | 1.1004% | 2,270 |
| Pretax return on assets | 1.3986% | 2,195 |
| Return on Equity (ROE) | 11.3245% | 1,898 |
| Retained earnings to average equity (ytd only) | 1.5830% | 5,444 |
| Net charge-offs to loans | -0.1635% | 6,942 |
| Credit loss provision to net charge-offs | -588.2353% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8707% | 4,946 |
| Assets per employee ($millions) | 3.4645% | 5,199 |
| Cash dividends to net income (ytd only)* | 86.0215% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,385 |
| Loan loss allowance to noncurrent loans | 491.2863% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 5,981 |
| Noncurrent loans to loans | 0.2947% | 6,083 |
| Net loans and leases to total assets | 47.4679% | 5,626 |
| Net loans and leases to deposits | 57.7910% | 5,400 |
| Net loans and leases to core deposits | 66.1756% | 4,895 |
| Total domestic deposits to total assets | 82.1372% | 5,249 |
| Equity capital to assets | 9.7355% | 4,474 |
| Core capital (leverage) ratio | 9.0741% | 4,724 |
| Tier 1 risk-based capital ratio | 14.3030% | 4,237 |
| Total risk-based capital ratio | 15.4255% | 4,312 |
| Memoranda: | ||
| Average total assets | $169,031,000 | 3,530 |
| Average earning assets | $150,236,000 | 3,616 |
| Average equity | $16,424,500 | 3,743 |
| Average total loans | $83,160,500 | 4,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 1,761 |
| Cost of funding earning assets | 1.6279% | 426 |
| Net interest margin | 3.6549% | 4,494 |
| Noninterest income to average assets | 0.7443% | 2,369 |
| Noninterest expense to average assets | 2.9356% | 3,820 |
| Loan and lease loss provision to assets | 0.2078% | 4,109 |
| Net operating income to assets | 0.6834% | 3,565 |
| Return on assets (ROA) | 0.8783% | 2,835 |
| Pretax return on assets | 1.1375% | 2,702 |
| Return on Equity (ROE) | 9.3548% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.7122% | 1,635 |
| Net charge-offs to loans | 0.6708% | 2,479 |
| Credit loss provision to net charge-offs | 57.6592% | 5,233 |
| Earnings coverage of net charge-offs (x) | 3.0310% | 3,696 |
| Efficiency ratio | 72.8827% | 3,413 |
| Assets per employee ($millions) | 3.5063% | 4,996 |
| Cash dividends to net income (ytd only)* | 28.2486% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,722 |
| Loan loss allowance to noncurrent loans | 259.5628% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 5,572 |
| Noncurrent loans to loans | 0.4329% | 5,843 |
| Net loans and leases to total assets | 49.6759% | 5,633 |
| Net loans and leases to deposits | 60.2719% | 5,455 |
| Net loans and leases to core deposits | 69.4365% | 4,861 |
| Total domestic deposits to total assets | 82.4196% | 4,994 |
| Equity capital to assets | 9.6981% | 4,597 |
| Core capital (leverage) ratio | 9.0550% | 4,688 |
| Tier 1 risk-based capital ratio | 14.2754% | 4,129 |
| Total risk-based capital ratio | 15.1774% | 4,338 |
| Memoranda: | ||
| Average total assets | $161,227,600 | 3,615 |
| Average earning assets | $144,845,200 | 3,661 |
| Average equity | $15,136,600 | 3,880 |
| Average total loans | $86,607,600 | 3,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3560% | 1,660 |
| Cost of funding earning assets | 1.6853% | 418 |
| Net interest margin | 3.6708% | 4,469 |
| Noninterest income to average assets | 0.7525% | 2,298 |
| Noninterest expense to average assets | 2.9081% | 3,898 |
| Loan and lease loss provision to assets | 0.2383% | 3,620 |
| Net operating income to assets | 0.7064% | 3,580 |
| Return on assets (ROA) | 0.8395% | 3,140 |
| Pretax return on assets | 1.0786% | 3,100 |
| Return on Equity (ROE) | 9.0203% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.4265% | 2,892 |
| Net charge-offs to loans | 0.8157% | 1,937 |
| Credit loss provision to net charge-offs | 53.4709% | 4,959 |
| Earnings coverage of net charge-offs (x) | 2.5722% | 3,830 |
| Efficiency ratio | 71.7261% | 3,608 |
| Assets per employee ($millions) | 3.5105% | 4,969 |
| Cash dividends to net income (ytd only)* | 39.8407% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,875 |
| Loan loss allowance to noncurrent loans | 323.5495% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 5,894 |
| Noncurrent loans to loans | 0.3412% | 6,168 |
| Net loans and leases to total assets | 50.3952% | 5,659 |
| Net loans and leases to deposits | 61.1323% | 5,499 |
| Net loans and leases to core deposits | 70.4787% | 4,892 |
| Total domestic deposits to total assets | 82.4364% | 4,906 |
| Equity capital to assets | 9.5672% | 4,983 |
| Core capital (leverage) ratio | 8.6988% | 5,413 |
| Tier 1 risk-based capital ratio | 13.8707% | 4,435 |
| Total risk-based capital ratio | 14.7698% | 4,689 |
| Memoranda: | ||
| Average total assets | $159,459,250 | 3,661 |
| Average earning assets | $143,436,250 | 3,710 |
| Average equity | $14,840,250 | 3,950 |
| Average total loans | $87,120,750 | 3,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 1,462 |
| Cost of funding earning assets | 1.7580% | 371 |
| Net interest margin | 3.6769% | 4,373 |
| Noninterest income to average assets | 0.7619% | 2,197 |
| Noninterest expense to average assets | 2.9020% | 4,019 |
| Loan and lease loss provision to assets | 0.1854% | 4,066 |
| Net operating income to assets | 0.7517% | 3,279 |
| Return on assets (ROA) | 0.8374% | 3,021 |
| Pretax return on assets | 1.0879% | 2,904 |
| Return on Equity (ROE) | 9.0888% | 2,471 |
| Retained earnings to average equity (ytd only) | 3.5384% | 3,992 |
| Net charge-offs to loans | 0.6648% | 2,175 |
| Credit loss provision to net charge-offs | 49.8282% | 4,591 |
| Earnings coverage of net charge-offs (x) | 3.1237% | 3,294 |
| Efficiency ratio | 71.4061% | 3,853 |
| Assets per employee ($millions) | 3.3797% | 5,256 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,518 |
| Loan loss allowance to noncurrent loans | 101.4493% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 4,882 |
| Noncurrent loans to loans | 1.1883% | 4,670 |
| Net loans and leases to total assets | 53.0430% | 5,427 |
| Net loans and leases to deposits | 65.1117% | 5,131 |
| Net loans and leases to core deposits | 72.2427% | 4,784 |
| Total domestic deposits to total assets | 81.4646% | 5,362 |
| Equity capital to assets | 9.3124% | 5,119 |
| Core capital (leverage) ratio | 8.8542% | 4,958 |
| Tier 1 risk-based capital ratio | 13.5177% | 4,515 |
| Total risk-based capital ratio | 14.5120% | 4,695 |
| Memoranda: | ||
| Average total assets | $156,445,000 | 3,745 |
| Average earning assets | $140,499,670 | 3,785 |
| Average equity | $14,413,330 | 4,037 |
| Average total loans | $87,539,330 | 3,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 1,322 |
| Cost of funding earning assets | 1.8118% | 360 |
| Net interest margin | 3.6816% | 4,196 |
| Noninterest income to average assets | 0.7606% | 2,215 |
| Noninterest expense to average assets | 2.8889% | 4,107 |
| Loan and lease loss provision to assets | 0.1302% | 4,373 |
| Net operating income to assets | 0.8026% | 3,020 |
| Return on assets (ROA) | 0.8284% | 2,952 |
| Pretax return on assets | 1.0837% | 2,819 |
| Return on Equity (ROE) | 9.0428% | 2,458 |
| Retained earnings to average equity (ytd only) | -2.3318% | 6,199 |
| Net charge-offs to loans | 0.9617% | 1,394 |
| Credit loss provision to net charge-offs | 23.6967% | 4,217 |
| Earnings coverage of net charge-offs (x) | 2.1469% | 3,233 |
| Efficiency ratio | 70.9987% | 4,059 |
| Assets per employee ($millions) | 3.2135% | 5,681 |
| Cash dividends to net income (ytd only)* | 125.7862% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,723 |
| Loan loss allowance to noncurrent loans | 107.4766% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,456 |
| Noncurrent loans to loans | 1.0968% | 4,869 |
| Net loans and leases to total assets | 55.1010% | 5,145 |
| Net loans and leases to deposits | 68.0417% | 4,675 |
| Net loans and leases to core deposits | 76.3730% | 4,256 |
| Total domestic deposits to total assets | 80.9812% | 5,662 |
| Equity capital to assets | 8.9870% | 5,217 |
| Core capital (leverage) ratio | 9.2132% | 4,267 |
| Tier 1 risk-based capital ratio | 13.2992% | 4,577 |
| Total risk-based capital ratio | 14.2868% | 4,784 |
| Memoranda: | ||
| Average total assets | $153,555,000 | 3,818 |
| Average earning assets | $137,984,500 | 3,857 |
| Average equity | $14,066,500 | 4,100 |
| Average total loans | $87,759,500 | 4,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 852 |
| Cost of funding earning assets | 2.0171% | 572 |
| Net interest margin | 3.9814% | 3,098 |
| Noninterest income to average assets | 0.8465% | 2,073 |
| Noninterest expense to average assets | 2.9827% | 3,915 |
| Loan and lease loss provision to assets | 0.2082% | 5,166 |
| Net operating income to assets | 0.8766% | 2,477 |
| Return on assets (ROA) | 0.9210% | 2,436 |
| Pretax return on assets | 1.2671% | 2,022 |
| Return on Equity (ROE) | 9.7874% | 2,006 |
| Retained earnings to average equity (ytd only) | 8.6991% | 786 |
| Net charge-offs to loans | 0.4850% | 3,679 |
| Credit loss provision to net charge-offs | 69.7941% | 5,868 |
| Earnings coverage of net charge-offs (x) | 4.7414% | 2,822 |
| Efficiency ratio | 67.8311% | 4,596 |
| Assets per employee ($millions) | 3.2533% | 5,532 |
| Cash dividends to net income (ytd only)* | 11.1193% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,684 |
| Loan loss allowance to noncurrent loans | 100.7582% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 5,010 |
| Noncurrent loans to loans | 1.3531% | 4,453 |
| Net loans and leases to total assets | 57.8189% | 5,051 |
| Net loans and leases to deposits | 72.1290% | 4,496 |
| Net loans and leases to core deposits | 80.4003% | 4,157 |
| Total domestic deposits to total assets | 80.1604% | 5,788 |
| Equity capital to assets | 9.3431% | 4,632 |
| Core capital (leverage) ratio | 9.3287% | 3,963 |
| Tier 1 risk-based capital ratio | 13.6570% | 4,091 |
| Total risk-based capital ratio | 14.8220% | 4,120 |
| Memoranda: | ||
| Average total assets | $146,477,800 | 3,936 |
| Average earning assets | $130,631,400 | 4,002 |
| Average equity | $13,783,000 | 4,189 |
| Average total loans | $90,107,600 | 4,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0911% | 773 |
| Cost of funding earning assets | 2.0420% | 661 |
| Net interest margin | 4.0491% | 2,861 |
| Noninterest income to average assets | 0.9161% | 1,737 |
| Noninterest expense to average assets | 2.9579% | 3,895 |
| Loan and lease loss provision to assets | 0.1739% | 5,302 |
| Net operating income to assets | 0.9929% | 2,259 |
| Return on assets (ROA) | 0.9948% | 2,367 |
| Pretax return on assets | 1.3929% | 1,898 |
| Return on Equity (ROE) | 10.5532% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.0969% | 1,026 |
| Net charge-offs to loans | 0.3837% | 3,758 |
| Credit loss provision to net charge-offs | 72.7969% | 5,346 |
| Earnings coverage of net charge-offs (x) | 6.5479% | 2,499 |
| Efficiency ratio | 65.4119% | 4,974 |
| Assets per employee ($millions) | 3.0725% | 5,983 |
| Cash dividends to net income (ytd only)* | 13.7998% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,550 |
| Loan loss allowance to noncurrent loans | 144.1514% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 5,224 |
| Noncurrent loans to loans | 0.9608% | 5,311 |
| Net loans and leases to total assets | 60.6863% | 4,780 |
| Net loans and leases to deposits | 76.4753% | 4,088 |
| Net loans and leases to core deposits | 83.7755% | 3,981 |
| Total domestic deposits to total assets | 79.3542% | 5,913 |
| Equity capital to assets | 9.8740% | 4,324 |
| Core capital (leverage) ratio | 9.3713% | 4,101 |
| Tier 1 risk-based capital ratio | 13.2003% | 4,424 |
| Total risk-based capital ratio | 14.4063% | 4,439 |
| Memoranda: | ||
| Average total assets | $145,684,750 | 4,012 |
| Average earning assets | $129,738,500 | 4,076 |
| Average equity | $13,733,250 | 4,265 |
| Average total loans | $90,704,000 | 4,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1851% | 641 |
| Cost of funding earning assets | 2.0835% | 702 |
| Net interest margin | 4.1016% | 2,550 |
| Noninterest income to average assets | 0.8671% | 1,812 |
| Noninterest expense to average assets | 2.9899% | 3,749 |
| Loan and lease loss provision to assets | 0.1447% | 5,449 |
| Net operating income to assets | 0.9763% | 2,276 |
| Return on assets (ROA) | 0.9939% | 2,301 |
| Pretax return on assets | 1.3909% | 1,860 |
| Return on Equity (ROE) | 10.7156% | 1,852 |
| Retained earnings to average equity (ytd only) | 8.4863% | 1,269 |
| Net charge-offs to loans | 0.2911% | 3,874 |
| Credit loss provision to net charge-offs | 79.5455% | 4,721 |
| Earnings coverage of net charge-offs (x) | 8.3030% | 2,155 |
| Efficiency ratio | 66.4319% | 4,898 |
| Assets per employee ($millions) | 2.9477% | 6,250 |
| Cash dividends to net income (ytd only)* | 20.8044% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,149 |
| Loan loss allowance to noncurrent loans | 172.7756% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 5,368 |
| Noncurrent loans to loans | 0.8424% | 5,591 |
| Net loans and leases to total assets | 59.7665% | 5,110 |
| Net loans and leases to deposits | 74.8844% | 4,531 |
| Net loans and leases to core deposits | 81.9385% | 4,430 |
| Total domestic deposits to total assets | 79.8117% | 5,784 |
| Equity capital to assets | 9.4567% | 4,770 |
| Core capital (leverage) ratio | 9.2262% | 4,259 |
| Tier 1 risk-based capital ratio | 13.5677% | 4,028 |
| Total risk-based capital ratio | 14.8189% | 3,995 |
| Memoranda: | ||
| Average total assets | $145,087,000 | 4,047 |
| Average earning assets | $128,535,670 | 4,120 |
| Average equity | $13,457,000 | 4,336 |
| Average total loans | $90,686,670 | 4,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 598 |
| Cost of funding earning assets | 2.1413% | 711 |
| Net interest margin | 4.0909% | 2,480 |
| Noninterest income to average assets | 0.8254% | 1,908 |
| Noninterest expense to average assets | 2.9263% | 3,963 |
| Loan and lease loss provision to assets | 0.1306% | 5,266 |
| Net operating income to assets | 0.9924% | 2,218 |
| Return on assets (ROA) | 1.0004% | 2,255 |
| Pretax return on assets | 1.3951% | 1,790 |
| Return on Equity (ROE) | 10.8955% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.8955% | 942 |
| Net charge-offs to loans | 0.2015% | 3,704 |
| Credit loss provision to net charge-offs | 102.1739% | 3,332 |
| Earnings coverage of net charge-offs (x) | 11.8478% | 1,613 |
| Efficiency ratio | 65.8949% | 5,140 |
| Assets per employee ($millions) | 2.9490% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 4,087 |
| Loan loss allowance to noncurrent loans | 420.5696% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 5,891 |
| Noncurrent loans to loans | 0.3488% | 6,602 |
| Net loans and leases to total assets | 61.7823% | 4,806 |
| Net loans and leases to deposits | 77.5187% | 4,128 |
| Net loans and leases to core deposits | 84.1940% | 4,174 |
| Total domestic deposits to total assets | 79.6998% | 5,885 |
| Equity capital to assets | 9.3466% | 4,767 |
| Core capital (leverage) ratio | 9.1333% | 4,322 |
| Tier 1 risk-based capital ratio | 12.8220% | 4,465 |
| Total risk-based capital ratio | 14.0730% | 4,436 |
| Memoranda: | ||
| Average total assets | $143,937,000 | 4,127 |
| Average earning assets | $127,210,000 | 4,207 |
| Average equity | $13,216,500 | 4,431 |
| Average total loans | $91,335,500 | 4,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9122% | 312 |
| Cost of funding earning assets | 2.5679% | 858 |
| Net interest margin | 4.3443% | 1,590 |
| Noninterest income to average assets | 0.8844% | 2,011 |
| Noninterest expense to average assets | 3.2438% | 3,211 |
| Loan and lease loss provision to assets | 0.4142% | 4,327 |
| Net operating income to assets | 0.7675% | 2,649 |
| Return on assets (ROA) | 0.9490% | 2,062 |
| Pretax return on assets | 1.3189% | 1,642 |
| Return on Equity (ROE) | 10.9520% | 1,439 |
| Retained earnings to average equity (ytd only) | 9.9037% | 381 |
| Net charge-offs to loans | 0.3210% | 4,632 |
| Credit loss provision to net charge-offs | 193.2203% | 2,054 |
| Earnings coverage of net charge-offs (x) | 6.9085% | 2,263 |
| Efficiency ratio | 68.6558% | 4,894 |
| Assets per employee ($millions) | 3.1168% | 5,951 |
| Cash dividends to net income (ytd only)* | 9.5712% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,020 |
| Loan loss allowance to noncurrent loans | 2,012.1212% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,605 |
| Noncurrent loans to loans | 0.0717% | 7,244 |
| Net loans and leases to total assets | 63.2881% | 4,754 |
| Net loans and leases to deposits | 79.8230% | 4,030 |
| Net loans and leases to core deposits | 112.1385% | 2,684 |
| Total domestic deposits to total assets | 79.2855% | 5,907 |
| Equity capital to assets | 9.0163% | 5,123 |
| Core capital (leverage) ratio | 9.0473% | 4,348 |
| Tier 1 risk-based capital ratio | 12.6452% | 4,404 |
| Total risk-based capital ratio | 13.8958% | 4,339 |
| Memoranda: | ||
| Average total assets | $137,614,600 | 4,173 |
| Average earning assets | $121,653,600 | 4,271 |
| Average equity | $11,924,800 | 4,766 |
| Average total loans | $91,901,400 | 4,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0195% | 295 |
| Cost of funding earning assets | 2.6304% | 954 |
| Net interest margin | 4.3891% | 1,464 |
| Noninterest income to average assets | 0.8988% | 1,983 |
| Noninterest expense to average assets | 3.1811% | 3,363 |
| Loan and lease loss provision to assets | 0.4945% | 3,429 |
| Net operating income to assets | 0.7969% | 2,828 |
| Return on assets (ROA) | 0.8734% | 2,599 |
| Pretax return on assets | 1.2033% | 2,253 |
| Return on Equity (ROE) | 10.1874% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.7598% | 904 |
| Net charge-offs to loans | 0.7344% | 2,526 |
| Credit loss provision to net charge-offs | 99.8024% | 5,128 |
| Earnings coverage of net charge-offs (x) | 3.2154% | 3,631 |
| Efficiency ratio | 66.6325% | 5,261 |
| Assets per employee ($millions) | 2.9060% | 6,392 |
| Cash dividends to net income (ytd only)* | 14.0133% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,458 |
| Loan loss allowance to noncurrent loans | 773.5294% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,568 |
| Noncurrent loans to loans | 0.1477% | 7,108 |
| Net loans and leases to total assets | 65.2462% | 4,591 |
| Net loans and leases to deposits | 82.8245% | 3,862 |
| Net loans and leases to core deposits | 116.9103% | 2,532 |
| Total domestic deposits to total assets | 78.7765% | 5,872 |
| Equity capital to assets | 9.0030% | 5,473 |
| Core capital (leverage) ratio | 8.9159% | 4,785 |
| Tier 1 risk-based capital ratio | 12.2287% | 4,763 |
| Total risk-based capital ratio | 13.2732% | 4,893 |
| Memoranda: | ||
| Average total assets | $136,175,000 | 4,232 |
| Average earning assets | $120,233,000 | 4,344 |
| Average equity | $11,674,250 | 4,874 |
| Average total loans | $91,860,250 | 4,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2165% | 231 |
| Cost of funding earning assets | 2.6895% | 1,061 |
| Net interest margin | 4.5269% | 1,101 |
| Noninterest income to average assets | 1.0039% | 1,586 |
| Noninterest expense to average assets | 3.2294% | 3,238 |
| Loan and lease loss provision to assets | 0.4960% | 3,058 |
| Net operating income to assets | 0.9337% | 2,333 |
| Return on assets (ROA) | 0.7211% | 3,270 |
| Pretax return on assets | 0.9713% | 3,109 |
| Return on Equity (ROE) | 8.5591% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.3622% | 1,858 |
| Net charge-offs to loans | 1.0284% | 1,731 |
| Credit loss provision to net charge-offs | 70.9746% | 5,399 |
| Earnings coverage of net charge-offs (x) | 2.5106% | 3,810 |
| Efficiency ratio | 64.7950% | 5,759 |
| Assets per employee ($millions) | 2.8849% | 6,431 |
| Cash dividends to net income (ytd only)* | 25.6674% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,211 |
| Loan loss allowance to noncurrent loans | 535.6725% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,717 |
| Noncurrent loans to loans | 0.1874% | 7,049 |
| Net loans and leases to total assets | 65.2315% | 4,716 |
| Net loans and leases to deposits | 81.1962% | 4,360 |
| Net loans and leases to core deposits | 112.9859% | 3,018 |
| Total domestic deposits to total assets | 80.3381% | 5,340 |
| Equity capital to assets | 8.4123% | 6,175 |
| Core capital (leverage) ratio | 8.6728% | 5,139 |
| Tier 1 risk-based capital ratio | 12.1342% | 4,815 |
| Total risk-based capital ratio | 13.0673% | 4,999 |
| Memoranda: | ||
| Average total assets | $135,071,000 | 4,280 |
| Average earning assets | $118,756,000 | 4,397 |
| Average equity | $11,379,670 | 4,983 |
| Average total loans | $91,793,000 | 4,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0415% | 312 |
| Cost of funding earning assets | 2.6864% | 1,310 |
| Net interest margin | 4.3551% | 1,455 |
| Noninterest income to average assets | 1.0677% | 1,301 |
| Noninterest expense to average assets | 3.1192% | 3,306 |
| Loan and lease loss provision to assets | 0.5698% | 2,207 |
| Net operating income to assets | 0.8461% | 2,924 |
| Return on assets (ROA) | 0.9058% | 2,829 |
| Pretax return on assets | 1.2747% | 2,360 |
| Return on Equity (ROE) | 10.7426% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.2961% | 2,501 |
| Net charge-offs to loans | 1.3903% | 1,020 |
| Credit loss provision to net charge-offs | 59.3750% | 4,527 |
| Earnings coverage of net charge-offs (x) | 1.8344% | 3,811 |
| Efficiency ratio | 63.9213% | 5,702 |
| Assets per employee ($millions) | 3.0680% | 5,976 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 6,034 |
| Loan loss allowance to noncurrent loans | 290.2516% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,701 |
| Noncurrent loans to loans | 0.3516% | 6,551 |
| Net loans and leases to total assets | 64.8486% | 4,831 |
| Net loans and leases to deposits | 81.3820% | 4,393 |
| Net loans and leases to core deposits | 112.0105% | 3,219 |
| Total domestic deposits to total assets | 79.6842% | 5,475 |
| Equity capital to assets | 8.1696% | 6,568 |
| Core capital (leverage) ratio | 8.9225% | 4,835 |
| Tier 1 risk-based capital ratio | 11.5272% | 5,388 |
| Total risk-based capital ratio | 12.4344% | 5,630 |
| Memoranda: | ||
| Average total assets | $133,368,500 | 4,337 |
| Average earning assets | $116,736,000 | 4,465 |
| Average equity | $11,245,000 | 5,044 |
| Average total loans | $92,066,500 | 4,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2618% | 645 |
| Cost of funding earning assets | 3.0257% | 1,779 |
| Net interest margin | 4.2361% | 2,176 |
| Noninterest income to average assets | 0.9968% | 1,591 |
| Noninterest expense to average assets | 3.0604% | 3,860 |
| Loan and lease loss provision to assets | 0.1345% | 5,637 |
| Net operating income to assets | 1.1469% | 1,963 |
| Return on assets (ROA) | 0.7441% | 3,538 |
| Pretax return on assets | 1.0424% | 3,230 |
| Return on Equity (ROE) | 8.0455% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.0455% | 835 |
| Net charge-offs to loans | 0.0701% | 5,769 |
| Credit loss provision to net charge-offs | 261.9048% | 1,770 |
| Earnings coverage of net charge-offs (x) | 33.9683% | 1,067 |
| Efficiency ratio | 63.6980% | 5,627 |
| Assets per employee ($millions) | 2.9925% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,104 |
| Loan loss allowance to noncurrent loans | 1,183.1461% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,703 |
| Noncurrent loans to loans | 0.0950% | 7,133 |
| Net loans and leases to total assets | 71.9841% | 3,589 |
| Net loans and leases to deposits | 91.8709% | 3,166 |
| Net loans and leases to core deposits | 123.4829% | 2,361 |
| Total domestic deposits to total assets | 78.3536% | 5,593 |
| Equity capital to assets | 8.7125% | 5,791 |
| Core capital (leverage) ratio | 9.2698% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1880% | 5,551 |
| Total risk-based capital ratio | 12.2080% | 5,670 |
| Memoranda: | ||
| Average total assets | $122,697,000 | 4,455 |
| Average earning assets | $110,289,000 | 4,508 |
| Average equity | $11,348,000 | 5,024 |
| Average total loans | $89,833,200 | 4,229 |