Home > 1st State Bank > Performance and Condition Ratios
1st State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 2,087 |
| Cost of funding earning assets | 1.1166% | 3,022 |
| Net interest margin | 3.8738% | 1,430 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4144% | 2,545 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1692% | 1,726 |
| Return on assets (ROA) | 1.1202% | 1,832 |
| Pretax return on assets | 1.4085% | 1,614 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 12.3990% | 586 |
| Net charge-offs to loans | -0.0152% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.2542% | 2,943 |
| Assets per employee ($millions) | 6.9956% | 2,079 |
| Cash dividends to net income (ytd only)* | 7.4613% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 562 |
| Loan loss allowance to noncurrent loans | 150.4843% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 765 |
| Noncurrent loans to loans | 1.1824% | 603 |
| Net loans and leases to total assets | 56.8600% | 3,133 |
| Net loans and leases to deposits | 64.0055% | 3,290 |
| Net loans and leases to core deposits | 65.3477% | 3,526 |
| Total domestic deposits to total assets | 88.8400% | 1,107 |
| Equity capital to assets | 9.0444% | 2,645 |
| Core capital (leverage) ratio | 9.6793% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2627% | 1,776 |
| Memoranda: | ||
| Average total assets | $478,584,000 | 1,774 |
| Average earning assets | $440,521,600 | 1,774 |
| Average equity | $40,011,400 | 1,887 |
| Average total loans | $282,712,200 | 1,859 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,989 |
| Cost of funding earning assets | 1.0377% | 2,931 |
| Net interest margin | 3.8964% | 1,413 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3935% | 2,531 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2192% | 1,737 |
| Return on assets (ROA) | 1.2192% | 1,732 |
| Pretax return on assets | 1.5344% | 1,497 |
| Return on Equity (ROE) | 14.8900% | 1,462 |
| Retained earnings to average equity (ytd only) | 13.8684% | 690 |
| Net charge-offs to loans | -0.0188% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2926% | 2,932 |
| Assets per employee ($millions) | 6.8450% | 2,077 |
| Cash dividends to net income (ytd only)* | 6.8697% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 622 |
| Loan loss allowance to noncurrent loans | 153.1443% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 842 |
| Noncurrent loans to loans | 1.1457% | 689 |
| Net loans and leases to total assets | 58.0500% | 3,025 |
| Net loans and leases to deposits | 64.9025% | 3,206 |
| Net loans and leases to core deposits | 66.1675% | 3,417 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 8.5266% | 2,714 |
| Core capital (leverage) ratio | 9.3282% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8076% | 1,969 |
| Memoranda: | ||
| Average total assets | $477,556,500 | 1,780 |
| Average earning assets | $439,303,500 | 1,777 |
| Average equity | $39,100,000 | 1,901 |
| Average total loans | $283,529,500 | 1,857 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,215 |
| Cost of funding earning assets | 0.9079% | 2,899 |
| Net interest margin | 3.7893% | 1,650 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.4263% | 2,415 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0838% | 2,164 |
| Return on assets (ROA) | 1.0838% | 2,160 |
| Pretax return on assets | 1.3630% | 1,910 |
| Return on Equity (ROE) | 13.4200% | 1,809 |
| Retained earnings to average equity (ytd only) | 12.3848% | 913 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.9843% | 2,592 |
| Assets per employee ($millions) | 6.5672% | 2,242 |
| Cash dividends to net income (ytd only)* | 7.7369% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 887 |
| Loan loss allowance to noncurrent loans | 141.1264% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 722 |
| Noncurrent loans to loans | 1.1529% | 613 |
| Net loans and leases to total assets | 60.6700% | 2,708 |
| Net loans and leases to deposits | 67.6575% | 2,934 |
| Net loans and leases to core deposits | 67.9783% | 3,235 |
| Total domestic deposits to total assets | 89.6800% | 1,019 |
| Equity capital to assets | 8.2552% | 3,051 |
| Core capital (leverage) ratio | 9.4507% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9690% | 2,311 |
| Memoranda: | ||
| Average total assets | $477,025,333 | 1,779 |
| Average earning assets | $438,817,333 | 1,789 |
| Average equity | $38,515,000 | 1,920 |
| Average total loans | $283,661,000 | 1,845 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 2,017 |
| Cost of funding earning assets | 0.8125% | 2,690 |
| Net interest margin | 3.8147% | 1,658 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4227% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1290% | 2,129 |
| Return on assets (ROA) | 1.1290% | 2,100 |
| Pretax return on assets | 1.4165% | 1,847 |
| Return on Equity (ROE) | 14.1400% | 1,753 |
| Retained earnings to average equity (ytd only) | 13.0895% | 1,078 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.1049% | 2,553 |
| Assets per employee ($millions) | 6.6562% | 2,229 |
| Cash dividends to net income (ytd only)* | 7.4460% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 811 |
| Loan loss allowance to noncurrent loans | 129.7706% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 614 |
| Noncurrent loans to loans | 1.3104% | 515 |
| Net loans and leases to total assets | 58.8100% | 2,784 |
| Net loans and leases to deposits | 65.5028% | 2,974 |
| Net loans and leases to core deposits | 65.6284% | 3,258 |
| Total domestic deposits to total assets | 89.7800% | 1,240 |
| Equity capital to assets | 8.2357% | 3,088 |
| Core capital (leverage) ratio | 9.0087% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0842% | 2,363 |
| Memoranda: | ||
| Average total assets | $475,835,500 | 1,803 |
| Average earning assets | $437,673,000 | 1,814 |
| Average equity | $37,984,500 | 1,965 |
| Average total loans | $277,648,500 | 1,893 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 2,531 |
| Cost of funding earning assets | 0.1937% | 3,811 |
| Net interest margin | 3.5031% | 1,922 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.4711% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9525% | 2,760 |
| Return on assets (ROA) | 0.9525% | 2,709 |
| Pretax return on assets | 1.1997% | 2,436 |
| Return on Equity (ROE) | 12.2600% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.0880% | 864 |
| Net charge-offs to loans | -0.0145% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3181% | 2,045 |
| Assets per employee ($millions) | 7.1504% | 1,858 |
| Cash dividends to net income (ytd only)* | 9.5642% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 597 |
| Loan loss allowance to noncurrent loans | 134.7233% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 605 |
| Noncurrent loans to loans | 1.3725% | 495 |
| Net loans and leases to total assets | 55.8400% | 3,045 |
| Net loans and leases to deposits | 61.9412% | 3,204 |
| Net loans and leases to core deposits | 62.0574% | 3,387 |
| Total domestic deposits to total assets | 90.1500% | 1,294 |
| Equity capital to assets | 7.7332% | 3,228 |
| Core capital (leverage) ratio | 8.5979% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3198% | 2,228 |
| Memoranda: | ||
| Average total assets | $469,800,200 | 1,799 |
| Average earning assets | $433,675,800 | 1,810 |
| Average equity | $36,498,800 | 2,052 |
| Average total loans | $262,050,400 | 1,886 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 2,689 |
| Cost of funding earning assets | 0.0988% | 4,294 |
| Net interest margin | 3.3790% | 2,038 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.3721% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9623% | 2,616 |
| Return on assets (ROA) | 0.9623% | 2,589 |
| Pretax return on assets | 1.2107% | 2,324 |
| Return on Equity (ROE) | 12.3700% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.3707% | 949 |
| Net charge-offs to loans | -0.0709% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.2076% | 2,251 |
| Assets per employee ($millions) | 6.6243% | 2,224 |
| Cash dividends to net income (ytd only)* | 8.0913% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 539 |
| Loan loss allowance to noncurrent loans | 120.5675% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 520 |
| Noncurrent loans to loans | 1.6222% | 415 |
| Net loans and leases to total assets | 53.2900% | 3,158 |
| Net loans and leases to deposits | 58.9076% | 3,285 |
| Net loans and leases to core deposits | 59.1024% | 3,447 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 7.4041% | 3,268 |
| Core capital (leverage) ratio | 8.6389% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3154% | 2,351 |
| Memoranda: | ||
| Average total assets | $467,480,250 | 1,819 |
| Average earning assets | $432,025,500 | 1,820 |
| Average equity | $36,361,500 | 2,094 |
| Average total loans | $259,420,750 | 1,899 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 2,787 |
| Cost of funding earning assets | 0.0803% | 4,375 |
| Net interest margin | 3.2044% | 2,170 |
| Noninterest income to average assets | 0.4523% | 2,429 |
| Noninterest expense to average assets | 2.3514% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8509% | 2,770 |
| Return on assets (ROA) | 0.8509% | 2,747 |
| Pretax return on assets | 1.0707% | 2,509 |
| Return on Equity (ROE) | 10.7587% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.2661% | 955 |
| Net charge-offs to loans | -0.0008% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7113% | 2,138 |
| Assets per employee ($millions) | 6.5823% | 2,253 |
| Cash dividends to net income (ytd only)* | 4.5778% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 685 |
| Loan loss allowance to noncurrent loans | 110.8551% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 456 |
| Noncurrent loans to loans | 1.7015% | 414 |
| Net loans and leases to total assets | 56.4936% | 2,699 |
| Net loans and leases to deposits | 63.2145% | 2,788 |
| Net loans and leases to core deposits | 63.7474% | 2,990 |
| Total domestic deposits to total assets | 89.3682% | 2,014 |
| Equity capital to assets | 7.7166% | 3,335 |
| Core capital (leverage) ratio | 8.5480% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0698% | 2,464 |
| Memoranda: | ||
| Average total assets | $462,116,000 | 1,835 |
| Average earning assets | $428,287,000 | 1,849 |
| Average equity | $36,547,333 | 2,139 |
| Average total loans | $258,275,000 | 1,905 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1244% | 2,894 |
| Cost of funding earning assets | 0.0798% | 4,360 |
| Net interest margin | 3.0446% | 2,348 |
| Noninterest income to average assets | 0.4676% | 2,315 |
| Noninterest expense to average assets | 2.3570% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7520% | 2,848 |
| Return on assets (ROA) | 0.7520% | 2,842 |
| Pretax return on assets | 0.9464% | 2,609 |
| Return on Equity (ROE) | 9.3944% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.9084% | 1,290 |
| Net charge-offs to loans | 0.0157% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 644 |
| Efficiency ratio | 71.3501% | 2,062 |
| Assets per employee ($millions) | 6.3385% | 2,514 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 711 |
| Loan loss allowance to noncurrent loans | 113.4773% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 556 |
| Noncurrent loans to loans | 1.6922% | 460 |
| Net loans and leases to total assets | 54.3701% | 2,708 |
| Net loans and leases to deposits | 60.9918% | 2,810 |
| Net loans and leases to core deposits | 61.4979% | 3,019 |
| Total domestic deposits to total assets | 89.1433% | 2,007 |
| Equity capital to assets | 7.7504% | 3,765 |
| Core capital (leverage) ratio | 8.2762% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4522% | 2,427 |
| Memoranda: | ||
| Average total assets | $462,795,000 | 1,849 |
| Average earning assets | $431,058,500 | 1,855 |
| Average equity | $37,043,500 | 2,173 |
| Average total loans | $254,761,000 | 1,914 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 2,356 |
| Cost of funding earning assets | 0.0940% | 4,429 |
| Net interest margin | 3.5171% | 1,683 |
| Noninterest income to average assets | 0.6065% | 2,126 |
| Noninterest expense to average assets | 2.2710% | 2,877 |
| Loan and lease loss provision to assets | 0.0672% | 1,726 |
| Net operating income to assets | 1.2202% | 1,856 |
| Return on assets (ROA) | 1.2032% | 1,962 |
| Pretax return on assets | 1.5181% | 1,658 |
| Return on Equity (ROE) | 15.1654% | 916 |
| Retained earnings to average equity (ytd only) | 14.8264% | 239 |
| Net charge-offs to loans | 0.0496% | 1,323 |
| Credit loss provision to net charge-offs | 225.5639% | 1,232 |
| Earnings coverage of net charge-offs (x) | 53.9023% | 1,257 |
| Efficiency ratio | 58.5631% | 3,356 |
| Assets per employee ($millions) | 6.6166% | 2,226 |
| Cash dividends to net income (ytd only)* | 2.2355% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 599 |
| Loan loss allowance to noncurrent loans | 110.0044% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 563 |
| Noncurrent loans to loans | 1.8228% | 460 |
| Net loans and leases to total assets | 53.5556% | 2,900 |
| Net loans and leases to deposits | 60.6467% | 3,021 |
| Net loans and leases to core deposits | 61.1687% | 3,234 |
| Total domestic deposits to total assets | 88.3075% | 1,868 |
| Equity capital to assets | 8.2652% | 4,198 |
| Core capital (leverage) ratio | 8.3213% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9394% | 2,269 |
| Memoranda: | ||
| Average total assets | $446,152,600 | 1,849 |
| Average earning assets | $414,973,200 | 1,853 |
| Average equity | $35,396,400 | 2,272 |
| Average total loans | $268,392,000 | 1,842 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 2,597 |
| Cost of funding earning assets | 0.0977% | 4,521 |
| Net interest margin | 3.4888% | 1,897 |
| Noninterest income to average assets | 0.6189% | 2,135 |
| Noninterest expense to average assets | 2.2445% | 2,907 |
| Loan and lease loss provision to assets | 0.0902% | 1,331 |
| Net operating income to assets | 1.2102% | 2,135 |
| Return on assets (ROA) | 1.2102% | 2,190 |
| Pretax return on assets | 1.5273% | 1,916 |
| Return on Equity (ROE) | 15.4196% | 1,058 |
| Retained earnings to average equity (ytd only) | 15.0749% | 389 |
| Net charge-offs to loans | 0.0683% | 962 |
| Credit loss provision to net charge-offs | 214.2857% | 1,167 |
| Earnings coverage of net charge-offs (x) | 38.4357% | 1,397 |
| Efficiency ratio | 58.1180% | 3,245 |
| Assets per employee ($millions) | 6.4627% | 2,285 |
| Cash dividends to net income (ytd only)* | 2.2355% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 658 |
| Loan loss allowance to noncurrent loans | 115.9471% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 705 |
| Noncurrent loans to loans | 1.7089% | 588 |
| Net loans and leases to total assets | 54.6190% | 2,892 |
| Net loans and leases to deposits | 62.1905% | 3,018 |
| Net loans and leases to core deposits | 62.6755% | 3,249 |
| Total domestic deposits to total assets | 87.8254% | 1,945 |
| Equity capital to assets | 8.1469% | 4,443 |
| Core capital (leverage) ratio | 8.1247% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3222% | 2,252 |
| Memoranda: | ||
| Average total assets | $443,555,250 | 1,877 |
| Average earning assets | $412,318,750 | 1,878 |
| Average equity | $34,812,000 | 2,332 |
| Average total loans | $273,113,250 | 1,854 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 2,620 |
| Cost of funding earning assets | 0.1004% | 4,582 |
| Net interest margin | 3.4992% | 1,858 |
| Noninterest income to average assets | 0.6087% | 2,177 |
| Noninterest expense to average assets | 2.2601% | 2,882 |
| Loan and lease loss provision to assets | 0.1362% | 902 |
| Net operating income to assets | 1.1652% | 2,314 |
| Return on assets (ROA) | 1.1652% | 2,376 |
| Pretax return on assets | 1.4702% | 2,108 |
| Return on Equity (ROE) | 15.0422% | 1,147 |
| Retained earnings to average equity (ytd only) | 14.6906% | 474 |
| Net charge-offs to loans | 0.1028% | 727 |
| Credit loss provision to net charge-offs | 208.3333% | 1,035 |
| Earnings coverage of net charge-offs (x) | 24.5764% | 1,431 |
| Efficiency ratio | 58.4527% | 3,220 |
| Assets per employee ($millions) | 6.2557% | 2,383 |
| Cash dividends to net income (ytd only)* | 2.3374% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 860 |
| Loan loss allowance to noncurrent loans | 147.0970% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 1,091 |
| Noncurrent loans to loans | 1.2342% | 968 |
| Net loans and leases to total assets | 59.9262% | 2,436 |
| Net loans and leases to deposits | 68.1547% | 2,600 |
| Net loans and leases to core deposits | 68.7410% | 2,889 |
| Total domestic deposits to total assets | 87.9268% | 1,871 |
| Equity capital to assets | 7.8461% | 4,607 |
| Core capital (leverage) ratio | 7.6261% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0918% | 2,333 |
| Memoranda: | ||
| Average total assets | $440,609,667 | 1,878 |
| Average earning assets | $410,202,333 | 1,881 |
| Average equity | $34,130,667 | 2,351 |
| Average total loans | $280,122,000 | 1,834 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 2,108 |
| Cost of funding earning assets | 0.1056% | 4,621 |
| Net interest margin | 3.6915% | 1,350 |
| Noninterest income to average assets | 0.6105% | 2,164 |
| Noninterest expense to average assets | 2.1666% | 3,212 |
| Loan and lease loss provision to assets | 0.2295% | 497 |
| Net operating income to assets | 1.3064% | 1,807 |
| Return on assets (ROA) | 1.3064% | 1,889 |
| Pretax return on assets | 1.6497% | 1,604 |
| Return on Equity (ROE) | 16.9779% | 854 |
| Retained earnings to average equity (ytd only) | 16.6199% | 456 |
| Net charge-offs to loans | 0.2066% | 397 |
| Credit loss provision to net charge-offs | 171.2329% | 944 |
| Earnings coverage of net charge-offs (x) | 14.0205% | 1,376 |
| Efficiency ratio | 53.5512% | 3,839 |
| Assets per employee ($millions) | 6.6411% | 2,062 |
| Cash dividends to net income (ytd only)* | 2.1082% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,000 |
| Loan loss allowance to noncurrent loans | 135.6123% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 1,134 |
| Noncurrent loans to loans | 1.2691% | 1,019 |
| Net loans and leases to total assets | 61.5502% | 2,335 |
| Net loans and leases to deposits | 69.6451% | 2,543 |
| Net loans and leases to core deposits | 70.2306% | 2,846 |
| Total domestic deposits to total assets | 88.3769% | 1,664 |
| Equity capital to assets | 7.4455% | 4,728 |
| Core capital (leverage) ratio | 7.7333% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4015% | 2,119 |
| Memoranda: | ||
| Average total assets | $435,708,500 | 1,881 |
| Average earning assets | $405,474,500 | 1,887 |
| Average equity | $33,526,000 | 2,373 |
| Average total loans | $282,730,000 | 1,818 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 2,686 |
| Cost of funding earning assets | 0.2364% | 4,435 |
| Net interest margin | 3.7777% | 1,565 |
| Noninterest income to average assets | 0.7307% | 1,740 |
| Noninterest expense to average assets | 2.5575% | 2,676 |
| Loan and lease loss provision to assets | 0.4262% | 687 |
| Net operating income to assets | 0.9921% | 2,323 |
| Return on assets (ROA) | 0.9921% | 2,467 |
| Pretax return on assets | 1.2590% | 2,123 |
| Return on Equity (ROE) | 12.0064% | 1,317 |
| Retained earnings to average equity (ytd only) | 11.2649% | 405 |
| Net charge-offs to loans | -0.0285% | 4,517 |
| Credit loss provision to net charge-offs | -2,191.7808% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2788% | 3,415 |
| Assets per employee ($millions) | 6.2603% | 2,114 |
| Cash dividends to net income (ytd only)* | 6.1762% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 968 |
| Loan loss allowance to noncurrent loans | 97.1274% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2048% | 718 |
| Noncurrent loans to loans | 1.7876% | 703 |
| Net loans and leases to total assets | 66.2278% | 2,070 |
| Net loans and leases to deposits | 75.5811% | 2,322 |
| Net loans and leases to core deposits | 76.5070% | 2,673 |
| Total domestic deposits to total assets | 87.6249% | 1,644 |
| Equity capital to assets | 7.9708% | 4,720 |
| Core capital (leverage) ratio | 7.8951% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8676% | 2,293 |
| Memoranda: | ||
| Average total assets | $375,369,200 | 1,940 |
| Average earning assets | $348,970,000 | 1,940 |
| Average equity | $31,016,800 | 2,429 |
| Average total loans | $256,036,200 | 1,895 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 3,392 |
| Cost of funding earning assets | 0.2747% | 4,416 |
| Net interest margin | 3.5821% | 2,332 |
| Noninterest income to average assets | 0.6635% | 1,929 |
| Noninterest expense to average assets | 2.4901% | 2,880 |
| Loan and lease loss provision to assets | 0.3006% | 1,341 |
| Net operating income to assets | 0.9521% | 2,511 |
| Return on assets (ROA) | 0.9521% | 2,648 |
| Pretax return on assets | 1.2083% | 2,362 |
| Return on Equity (ROE) | 11.4086% | 1,556 |
| Retained earnings to average equity (ytd only) | 10.5572% | 665 |
| Net charge-offs to loans | -0.0373% | 4,599 |
| Credit loss provision to net charge-offs | -1,178.5714% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2688% | 3,025 |
| Assets per employee ($millions) | 6.0971% | 2,180 |
| Cash dividends to net income (ytd only)* | 7.4627% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,744 |
| Loan loss allowance to noncurrent loans | 73.0991% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3750% | 662 |
| Noncurrent loans to loans | 1.9137% | 658 |
| Net loans and leases to total assets | 70.0016% | 1,950 |
| Net loans and leases to deposits | 80.0229% | 2,312 |
| Net loans and leases to core deposits | 80.9009% | 2,764 |
| Total domestic deposits to total assets | 87.4769% | 1,464 |
| Equity capital to assets | 7.7923% | 4,783 |
| Core capital (leverage) ratio | 7.5621% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3253% | 2,491 |
| Memoranda: | ||
| Average total assets | $365,915,750 | 1,954 |
| Average earning assets | $340,724,750 | 1,955 |
| Average equity | $30,537,500 | 2,447 |
| Average total loans | $250,426,000 | 1,919 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,343 |
| Cost of funding earning assets | 0.3318% | 4,356 |
| Net interest margin | 3.6611% | 2,290 |
| Noninterest income to average assets | 0.6312% | 2,010 |
| Noninterest expense to average assets | 2.5338% | 2,869 |
| Loan and lease loss provision to assets | 0.2701% | 1,584 |
| Net operating income to assets | 0.9678% | 2,431 |
| Return on assets (ROA) | 0.9678% | 2,563 |
| Pretax return on assets | 1.2283% | 2,262 |
| Return on Equity (ROE) | 11.3067% | 1,541 |
| Retained earnings to average equity (ytd only) | 10.4431% | 700 |
| Net charge-offs to loans | -0.0590% | 4,724 |
| Credit loss provision to net charge-offs | -678.5714% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8402% | 2,980 |
| Assets per employee ($millions) | 6.5676% | 1,728 |
| Cash dividends to net income (ytd only)* | 7.6381% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,929 |
| Loan loss allowance to noncurrent loans | 100.9257% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 1,345 |
| Noncurrent loans to loans | 1.3024% | 1,189 |
| Net loans and leases to total assets | 67.2661% | 2,462 |
| Net loans and leases to deposits | 76.6794% | 2,789 |
| Net loans and leases to core deposits | 77.8207% | 3,124 |
| Total domestic deposits to total assets | 87.7237% | 1,320 |
| Equity capital to assets | 7.4969% | 4,875 |
| Core capital (leverage) ratio | 7.8796% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6343% | 2,344 |
| Memoranda: | ||
| Average total assets | $351,718,333 | 1,992 |
| Average earning assets | $326,733,000 | 1,991 |
| Average equity | $30,106,000 | 2,454 |
| Average total loans | $237,228,333 | 1,970 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,912 |
| Cost of funding earning assets | 0.4799% | 4,031 |
| Net interest margin | 3.8231% | 1,891 |
| Noninterest income to average assets | 0.6236% | 1,934 |
| Noninterest expense to average assets | 2.6916% | 2,729 |
| Loan and lease loss provision to assets | 0.2806% | 1,106 |
| Net operating income to assets | 0.9367% | 2,393 |
| Return on assets (ROA) | 0.9367% | 2,502 |
| Pretax return on assets | 1.1887% | 2,235 |
| Return on Equity (ROE) | 10.1317% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.2548% | 908 |
| Net charge-offs to loans | -0.1136% | 4,844 |
| Credit loss provision to net charge-offs | -368.8525% | 3,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6882% | 3,119 |
| Assets per employee ($millions) | 5.1247% | 2,506 |
| Cash dividends to net income (ytd only)* | 8.6551% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,035 |
| Loan loss allowance to noncurrent loans | 92.7380% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 1,013 |
| Noncurrent loans to loans | 1.7402% | 865 |
| Net loans and leases to total assets | 66.1560% | 2,801 |
| Net loans and leases to deposits | 77.6804% | 2,920 |
| Net loans and leases to core deposits | 79.2340% | 3,266 |
| Total domestic deposits to total assets | 85.1643% | 2,347 |
| Equity capital to assets | 9.4463% | 4,266 |
| Core capital (leverage) ratio | 9.2082% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5627% | 2,907 |
| Memoranda: | ||
| Average total assets | $320,699,000 | 2,087 |
| Average earning assets | $296,721,000 | 2,096 |
| Average equity | $29,649,500 | 2,474 |
| Average total loans | $214,830,000 | 2,082 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 1,714 |
| Cost of funding earning assets | 0.5951% | 3,666 |
| Net interest margin | 4.3190% | 1,052 |
| Noninterest income to average assets | 0.5247% | 2,603 |
| Noninterest expense to average assets | 2.8598% | 2,415 |
| Loan and lease loss provision to assets | 0.3399% | 454 |
| Net operating income to assets | 1.0002% | 2,850 |
| Return on assets (ROA) | 1.0002% | 2,934 |
| Pretax return on assets | 1.2690% | 2,614 |
| Return on Equity (ROE) | 10.4661% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.6797% | 552 |
| Net charge-offs to loans | 0.3378% | 610 |
| Credit loss provision to net charge-offs | 142.5501% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.7479% | 2,939 |
| Efficiency ratio | 63.9963% | 3,074 |
| Assets per employee ($millions) | 5.2204% | 2,325 |
| Cash dividends to net income (ytd only)* | 7.5137% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 1,331 |
| Loan loss allowance to noncurrent loans | 80.6016% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 889 |
| Noncurrent loans to loans | 1.8161% | 739 |
| Net loans and leases to total assets | 65.7626% | 2,978 |
| Net loans and leases to deposits | 76.9097% | 3,097 |
| Net loans and leases to core deposits | 77.9847% | 3,450 |
| Total domestic deposits to total assets | 85.5063% | 2,289 |
| Equity capital to assets | 9.0480% | 4,663 |
| Core capital (leverage) ratio | 9.6620% | 3,891 |
| Tier 1 risk-based capital ratio | 10.9625% | 4,870 |
| Total risk-based capital ratio | 12.1459% | 4,803 |
| Memoranda: | ||
| Average total assets | $292,742,800 | 2,205 |
| Average earning assets | $267,333,400 | 2,229 |
| Average equity | $27,976,000 | 2,497 |
| Average total loans | $206,643,400 | 2,116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 1,412 |
| Cost of funding earning assets | 0.6155% | 3,614 |
| Net interest margin | 4.4358% | 874 |
| Noninterest income to average assets | 0.5113% | 2,660 |
| Noninterest expense to average assets | 2.8990% | 2,270 |
| Loan and lease loss provision to assets | 0.1848% | 976 |
| Net operating income to assets | 1.1559% | 2,339 |
| Return on assets (ROA) | 1.1559% | 2,430 |
| Pretax return on assets | 1.4666% | 2,055 |
| Return on Equity (ROE) | 11.9158% | 1,647 |
| Retained earnings to average equity (ytd only) | 11.0961% | 505 |
| Net charge-offs to loans | 0.2121% | 833 |
| Credit loss provision to net charge-offs | 121.5385% | 1,936 |
| Earnings coverage of net charge-offs (x) | 10.8616% | 2,470 |
| Efficiency ratio | 63.7093% | 3,060 |
| Assets per employee ($millions) | 4.7034% | 2,916 |
| Cash dividends to net income (ytd only)* | 6.8798% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,557 |
| Loan loss allowance to noncurrent loans | 58.4928% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 531 |
| Noncurrent loans to loans | 2.4009% | 501 |
| Net loans and leases to total assets | 70.6376% | 2,383 |
| Net loans and leases to deposits | 84.0145% | 2,452 |
| Net loans and leases to core deposits | 86.1221% | 2,899 |
| Total domestic deposits to total assets | 84.0779% | 2,792 |
| Equity capital to assets | 9.8941% | 4,121 |
| Core capital (leverage) ratio | 10.0171% | 3,626 |
| Tier 1 risk-based capital ratio | 10.9988% | 4,906 |
| Total risk-based capital ratio | 12.1171% | 4,862 |
| Memoranda: | ||
| Average total assets | $285,012,500 | 2,263 |
| Average earning assets | $259,520,750 | 2,293 |
| Average equity | $27,648,750 | 2,530 |
| Average total loans | $204,301,250 | 2,149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 1,318 |
| Cost of funding earning assets | 0.6046% | 3,622 |
| Net interest margin | 4.4558% | 841 |
| Noninterest income to average assets | 0.4929% | 2,714 |
| Noninterest expense to average assets | 2.9341% | 2,183 |
| Loan and lease loss provision to assets | 0.1379% | 1,340 |
| Net operating income to assets | 1.1760% | 2,239 |
| Return on assets (ROA) | 1.1760% | 2,312 |
| Pretax return on assets | 1.4914% | 1,884 |
| Return on Equity (ROE) | 12.2065% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.3257% | 509 |
| Net charge-offs to loans | 0.3216% | 527 |
| Credit loss provision to net charge-offs | 59.8160% | 2,404 |
| Earnings coverage of net charge-offs (x) | 7.0675% | 2,524 |
| Efficiency ratio | 64.2957% | 3,087 |
| Assets per employee ($millions) | 4.5119% | 3,124 |
| Cash dividends to net income (ytd only)* | 7.2159% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 1,974 |
| Loan loss allowance to noncurrent loans | 78.9033% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 837 |
| Noncurrent loans to loans | 1.6605% | 922 |
| Net loans and leases to total assets | 73.6178% | 1,948 |
| Net loans and leases to deposits | 88.3471% | 1,961 |
| Net loans and leases to core deposits | 90.6712% | 2,546 |
| Total domestic deposits to total assets | 83.3280% | 3,101 |
| Equity capital to assets | 10.0398% | 3,943 |
| Core capital (leverage) ratio | 9.8548% | 3,752 |
| Tier 1 risk-based capital ratio | 10.7706% | 5,004 |
| Total risk-based capital ratio | 11.8189% | 4,996 |
| Memoranda: | ||
| Average total assets | $282,814,000 | 2,279 |
| Average earning assets | $258,360,000 | 2,306 |
| Average equity | $27,247,670 | 2,552 |
| Average total loans | $202,762,000 | 2,166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 1,456 |
| Cost of funding earning assets | 0.6004% | 3,571 |
| Net interest margin | 4.3554% | 998 |
| Noninterest income to average assets | 0.3911% | 3,249 |
| Noninterest expense to average assets | 2.9569% | 2,114 |
| Loan and lease loss provision to assets | 0.1266% | 1,385 |
| Net operating income to assets | 1.0142% | 2,791 |
| Return on assets (ROA) | 1.0142% | 2,837 |
| Pretax return on assets | 1.2871% | 2,504 |
| Return on Equity (ROE) | 10.7496% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.8550% | 1,074 |
| Net charge-offs to loans | -0.0140% | 4,354 |
| Credit loss provision to net charge-offs | -1,285.7143% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6537% | 2,685 |
| Assets per employee ($millions) | 4.5320% | 3,140 |
| Cash dividends to net income (ytd only)* | 8.3218% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,420 |
| Loan loss allowance to noncurrent loans | 101.1616% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,209 |
| Noncurrent loans to loans | 1.4565% | 1,109 |
| Net loans and leases to total assets | 69.3455% | 2,574 |
| Net loans and leases to deposits | 82.2149% | 2,590 |
| Net loans and leases to core deposits | 84.1979% | 3,011 |
| Total domestic deposits to total assets | 84.3467% | 2,926 |
| Equity capital to assets | 9.5178% | 4,242 |
| Core capital (leverage) ratio | 9.4941% | 4,137 |
| Tier 1 risk-based capital ratio | 10.7739% | 5,079 |
| Total risk-based capital ratio | 11.9471% | 5,012 |
| Memoranda: | ||
| Average total assets | $284,352,000 | 2,289 |
| Average earning assets | $259,813,500 | 2,318 |
| Average equity | $26,829,000 | 2,582 |
| Average total loans | $199,807,500 | 2,215 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,884 |
| Cost of funding earning assets | 0.3946% | 4,015 |
| Net interest margin | 4.2890% | 1,185 |
| Noninterest income to average assets | 0.4904% | 2,884 |
| Noninterest expense to average assets | 3.0086% | 2,026 |
| Loan and lease loss provision to assets | 0.1695% | 1,184 |
| Net operating income to assets | 0.9740% | 3,125 |
| Return on assets (ROA) | 0.9740% | 3,124 |
| Pretax return on assets | 1.2346% | 2,759 |
| Return on Equity (ROE) | 10.4975% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.8480% | 645 |
| Net charge-offs to loans | 0.2792% | 695 |
| Credit loss provision to net charge-offs | 84.7458% | 2,790 |
| Earnings coverage of net charge-offs (x) | 7.0207% | 3,021 |
| Efficiency ratio | 68.1803% | 2,506 |
| Assets per employee ($millions) | 4.6424% | 2,971 |
| Cash dividends to net income (ytd only)* | 6.1872% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,479 |
| Loan loss allowance to noncurrent loans | 103.9173% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,249 |
| Noncurrent loans to loans | 1.3878% | 1,126 |
| Net loans and leases to total assets | 69.1401% | 2,709 |
| Net loans and leases to deposits | 81.8729% | 2,751 |
| Net loans and leases to core deposits | 83.8558% | 3,107 |
| Total domestic deposits to total assets | 84.4480% | 2,852 |
| Equity capital to assets | 9.3518% | 4,265 |
| Core capital (leverage) ratio | 9.4213% | 4,209 |
| Tier 1 risk-based capital ratio | 10.8390% | 5,050 |
| Total risk-based capital ratio | 12.0101% | 4,979 |
| Memoranda: | ||
| Average total assets | $265,501,600 | 2,367 |
| Average earning assets | $242,808,000 | 2,394 |
| Average equity | $24,634,400 | 2,668 |
| Average total loans | $190,155,000 | 2,247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,947 |
| Cost of funding earning assets | 0.3606% | 4,113 |
| Net interest margin | 4.2495% | 1,235 |
| Noninterest income to average assets | 0.4974% | 2,886 |
| Noninterest expense to average assets | 2.9492% | 2,168 |
| Loan and lease loss provision to assets | 0.1072% | 1,867 |
| Net operating income to assets | 1.0479% | 2,874 |
| Return on assets (ROA) | 1.0479% | 2,885 |
| Pretax return on assets | 1.3288% | 2,510 |
| Return on Equity (ROE) | 11.3185% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.7117% | 718 |
| Net charge-offs to loans | 0.3985% | 410 |
| Credit loss provision to net charge-offs | 37.3665% | 2,924 |
| Earnings coverage of net charge-offs (x) | 5.0036% | 2,999 |
| Efficiency ratio | 67.2528% | 2,671 |
| Assets per employee ($millions) | 4.3914% | 3,289 |
| Cash dividends to net income (ytd only)* | 5.3605% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,837 |
| Loan loss allowance to noncurrent loans | 81.1894% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 1,063 |
| Noncurrent loans to loans | 1.6787% | 925 |
| Net loans and leases to total assets | 68.9523% | 2,804 |
| Net loans and leases to deposits | 82.0110% | 2,814 |
| Net loans and leases to core deposits | 84.7216% | 3,099 |
| Total domestic deposits to total assets | 84.0769% | 2,917 |
| Equity capital to assets | 9.5389% | 4,039 |
| Core capital (leverage) ratio | 9.5953% | 4,065 |
| Tier 1 risk-based capital ratio | 10.9347% | 5,068 |
| Total risk-based capital ratio | 12.0250% | 5,047 |
| Memoranda: | ||
| Average total assets | $261,080,500 | 2,406 |
| Average earning assets | $238,863,250 | 2,431 |
| Average equity | $24,172,250 | 2,721 |
| Average total loans | $188,028,750 | 2,274 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 2,135 |
| Cost of funding earning assets | 0.3281% | 4,216 |
| Net interest margin | 4.1572% | 1,389 |
| Noninterest income to average assets | 0.4764% | 2,993 |
| Noninterest expense to average assets | 2.9259% | 2,272 |
| Loan and lease loss provision to assets | 0.0971% | 1,992 |
| Net operating income to assets | 0.9971% | 3,034 |
| Return on assets (ROA) | 0.9971% | 3,035 |
| Pretax return on assets | 1.2636% | 2,656 |
| Return on Equity (ROE) | 10.8855% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.9522% | 940 |
| Net charge-offs to loans | 0.6077% | 244 |
| Credit loss provision to net charge-offs | 21.9684% | 2,677 |
| Earnings coverage of net charge-offs (x) | 3.0773% | 2,914 |
| Efficiency ratio | 68.2560% | 2,602 |
| Assets per employee ($millions) | 4.1336% | 3,676 |
| Cash dividends to net income (ytd only)* | 8.5737% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,099 |
| Loan loss allowance to noncurrent loans | 89.1979% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 1,161 |
| Noncurrent loans to loans | 1.4736% | 1,142 |
| Net loans and leases to total assets | 73.2947% | 2,074 |
| Net loans and leases to deposits | 87.9877% | 2,115 |
| Net loans and leases to core deposits | 90.9722% | 2,487 |
| Total domestic deposits to total assets | 83.3011% | 3,323 |
| Equity capital to assets | 9.5401% | 4,062 |
| Core capital (leverage) ratio | 9.5340% | 4,078 |
| Tier 1 risk-based capital ratio | 10.6212% | 5,221 |
| Total risk-based capital ratio | 11.7063% | 5,187 |
| Memoranda: | ||
| Average total assets | $257,352,330 | 2,445 |
| Average earning assets | $235,878,000 | 2,467 |
| Average equity | $23,572,670 | 2,789 |
| Average total loans | $187,262,670 | 2,283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,418 |
| Cost of funding earning assets | 0.2910% | 4,410 |
| Net interest margin | 4.0391% | 1,598 |
| Noninterest income to average assets | 0.4622% | 3,041 |
| Noninterest expense to average assets | 2.9067% | 2,341 |
| Loan and lease loss provision to assets | 0.0931% | 1,960 |
| Net operating income to assets | 0.9182% | 3,212 |
| Return on assets (ROA) | 0.9182% | 3,224 |
| Pretax return on assets | 1.1649% | 2,906 |
| Return on Equity (ROE) | 10.2360% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.3715% | 1,337 |
| Net charge-offs to loans | -0.0237% | 4,639 |
| Credit loss provision to net charge-offs | -545.4545% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7952% | 2,517 |
| Assets per employee ($millions) | 4.6356% | 2,950 |
| Cash dividends to net income (ytd only)* | 8.4459% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,153 |
| Loan loss allowance to noncurrent loans | 92.1221% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4249% | 1,004 |
| Noncurrent loans to loans | 1.7387% | 982 |
| Net loans and leases to total assets | 72.6933% | 2,061 |
| Net loans and leases to deposits | 87.2906% | 2,018 |
| Net loans and leases to core deposits | 96.2370% | 1,960 |
| Total domestic deposits to total assets | 83.2773% | 3,587 |
| Equity capital to assets | 9.1827% | 4,381 |
| Core capital (leverage) ratio | 9.2234% | 4,403 |
| Tier 1 risk-based capital ratio | 10.5835% | 5,325 |
| Total risk-based capital ratio | 11.8347% | 5,226 |
| Memoranda: | ||
| Average total assets | $257,885,500 | 2,459 |
| Average earning assets | $236,390,500 | 2,479 |
| Average equity | $23,134,000 | 2,853 |
| Average total loans | $185,721,000 | 2,317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,152 |
| Cost of funding earning assets | 0.2753% | 4,360 |
| Net interest margin | 4.0838% | 1,500 |
| Noninterest income to average assets | 0.5464% | 2,736 |
| Noninterest expense to average assets | 2.7478% | 2,960 |
| Loan and lease loss provision to assets | 0.1780% | 1,217 |
| Net operating income to assets | 0.7890% | 3,210 |
| Return on assets (ROA) | 0.7861% | 3,262 |
| Pretax return on assets | 1.3366% | 2,226 |
| Return on Equity (ROE) | 8.6187% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.0060% | 761 |
| Net charge-offs to loans | 0.0470% | 2,845 |
| Credit loss provision to net charge-offs | 518.0723% | 600 |
| Earnings coverage of net charge-offs (x) | 44.2169% | 1,185 |
| Efficiency ratio | 64.3966% | 3,552 |
| Assets per employee ($millions) | 4.4968% | 3,193 |
| Cash dividends to net income (ytd only)* | 7.1090% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 1,125 |
| Loan loss allowance to noncurrent loans | 94.3626% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 944 |
| Noncurrent loans to loans | 1.7052% | 959 |
| Net loans and leases to total assets | 69.0693% | 2,673 |
| Net loans and leases to deposits | 82.5752% | 2,658 |
| Net loans and leases to core deposits | 91.0635% | 2,456 |
| Total domestic deposits to total assets | 83.6442% | 3,333 |
| Equity capital to assets | 8.7634% | 4,915 |
| Core capital (leverage) ratio | 8.9697% | 4,686 |
| Tier 1 risk-based capital ratio | 10.6644% | 5,312 |
| Total risk-based capital ratio | 11.9161% | 5,201 |
| Memoranda: | ||
| Average total assets | $241,575,200 | 2,554 |
| Average earning assets | $220,088,200 | 2,581 |
| Average equity | $22,033,400 | 2,953 |
| Average total loans | $176,705,800 | 2,365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,080 |
| Cost of funding earning assets | 0.2702% | 4,407 |
| Net interest margin | 4.0890% | 1,418 |
| Noninterest income to average assets | 0.5457% | 2,747 |
| Noninterest expense to average assets | 2.7419% | 2,923 |
| Loan and lease loss provision to assets | 0.1492% | 1,406 |
| Net operating income to assets | 0.9083% | 2,988 |
| Return on assets (ROA) | 0.9083% | 3,048 |
| Pretax return on assets | 1.3785% | 2,181 |
| Return on Equity (ROE) | 9.8526% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.4861% | 712 |
| Net charge-offs to loans | 0.0129% | 3,277 |
| Credit loss provision to net charge-offs | 1,558.8235% | 244 |
| Earnings coverage of net charge-offs (x) | 159.5607% | 516 |
| Efficiency ratio | 64.2179% | 3,501 |
| Assets per employee ($millions) | 4.7499% | 2,764 |
| Cash dividends to net income (ytd only)* | 3.7199% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,238 |
| Loan loss allowance to noncurrent loans | 97.1010% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 1,001 |
| Noncurrent loans to loans | 1.6491% | 1,113 |
| Net loans and leases to total assets | 69.4960% | 2,633 |
| Net loans and leases to deposits | 83.9453% | 2,564 |
| Net loans and leases to core deposits | 93.0581% | 2,343 |
| Total domestic deposits to total assets | 82.7873% | 3,527 |
| Equity capital to assets | 8.9949% | 4,917 |
| Core capital (leverage) ratio | 9.3497% | 4,349 |
| Tier 1 risk-based capital ratio | 10.8966% | 5,298 |
| Total risk-based capital ratio | 12.1481% | 5,194 |
| Memoranda: | ||
| Average total assets | $236,766,000 | 2,608 |
| Average earning assets | $215,631,250 | 2,637 |
| Average equity | $21,827,750 | 2,995 |
| Average total loans | $175,110,500 | 2,387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,011 |
| Cost of funding earning assets | 0.2699% | 4,376 |
| Net interest margin | 4.0674% | 1,409 |
| Noninterest income to average assets | 0.5428% | 2,754 |
| Noninterest expense to average assets | 2.7587% | 2,893 |
| Loan and lease loss provision to assets | 0.1294% | 1,608 |
| Net operating income to assets | 0.8888% | 2,972 |
| Return on assets (ROA) | 0.8888% | 3,027 |
| Pretax return on assets | 1.3479% | 2,218 |
| Return on Equity (ROE) | 9.5567% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.5567% | 690 |
| Net charge-offs to loans | 0.0333% | 2,532 |
| Credit loss provision to net charge-offs | 517.2414% | 645 |
| Earnings coverage of net charge-offs (x) | 59.0345% | 960 |
| Efficiency ratio | 65.1253% | 3,488 |
| Assets per employee ($millions) | 4.5079% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,491 |
| Loan loss allowance to noncurrent loans | 84.6034% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.7469% | 805 |
| Noncurrent loans to loans | 1.8046% | 999 |
| Net loans and leases to total assets | 74.8392% | 1,723 |
| Net loans and leases to deposits | 90.1524% | 1,707 |
| Net loans and leases to core deposits | 101.4715% | 1,552 |
| Total domestic deposits to total assets | 83.0141% | 3,563 |
| Equity capital to assets | 9.4283% | 4,485 |
| Core capital (leverage) ratio | 9.4667% | 4,163 |
| Tier 1 risk-based capital ratio | 10.6053% | 5,425 |
| Total risk-based capital ratio | 11.8561% | 5,347 |
| Memoranda: | ||
| Average total assets | $231,773,330 | 2,664 |
| Average earning assets | $210,451,670 | 2,694 |
| Average equity | $21,555,670 | 3,024 |
| Average total loans | $174,214,330 | 2,401 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,145 |
| Cost of funding earning assets | 0.2590% | 4,465 |
| Net interest margin | 3.9782% | 1,526 |
| Noninterest income to average assets | 0.4791% | 3,127 |
| Noninterest expense to average assets | 2.7077% | 3,117 |
| Loan and lease loss provision to assets | 0.1302% | 1,472 |
| Net operating income to assets | 0.8349% | 3,058 |
| Return on assets (ROA) | 0.8349% | 3,111 |
| Pretax return on assets | 1.2671% | 2,360 |
| Return on Equity (ROE) | 9.0401% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.0401% | 1,064 |
| Net charge-offs to loans | -0.0209% | 4,771 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9619% | 3,503 |
| Assets per employee ($millions) | 4.5072% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,519 |
| Loan loss allowance to noncurrent loans | 79.0979% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.8437% | 758 |
| Noncurrent loans to loans | 1.9559% | 919 |
| Net loans and leases to total assets | 72.8504% | 1,935 |
| Net loans and leases to deposits | 86.8107% | 1,935 |
| Net loans and leases to core deposits | 97.8862% | 1,667 |
| Total domestic deposits to total assets | 83.9187% | 3,507 |
| Equity capital to assets | 9.1888% | 4,624 |
| Core capital (leverage) ratio | 9.3602% | 4,267 |
| Tier 1 risk-based capital ratio | 10.5504% | 5,520 |
| Total risk-based capital ratio | 11.8010% | 5,442 |
| Memoranda: | ||
| Average total assets | $230,454,000 | 2,702 |
| Average earning assets | $210,044,500 | 2,720 |
| Average equity | $21,283,000 | 3,056 |
| Average total loans | $172,245,500 | 2,435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,592 |
| Cost of funding earning assets | 0.3029% | 4,037 |
| Net interest margin | 3.8659% | 2,079 |
| Noninterest income to average assets | 0.5218% | 3,088 |
| Noninterest expense to average assets | 2.7273% | 3,258 |
| Loan and lease loss provision to assets | 0.1607% | 1,535 |
| Net operating income to assets | 0.7862% | 3,371 |
| Return on assets (ROA) | 0.7892% | 3,461 |
| Pretax return on assets | 1.1994% | 2,679 |
| Return on Equity (ROE) | 8.7708% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.3739% | 746 |
| Net charge-offs to loans | -0.0534% | 5,409 |
| Credit loss provision to net charge-offs | -409.0909% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7979% | 3,468 |
| Assets per employee ($millions) | 4.6232% | 2,925 |
| Cash dividends to net income (ytd only)* | 4.5249% | 4,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,601 |
| Loan loss allowance to noncurrent loans | 80.5392% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 791 |
| Noncurrent loans to loans | 1.8864% | 983 |
| Net loans and leases to total assets | 74.3670% | 1,785 |
| Net loans and leases to deposits | 86.9176% | 2,060 |
| Net loans and leases to core deposits | 96.1784% | 1,911 |
| Total domestic deposits to total assets | 85.5604% | 2,803 |
| Equity capital to assets | 9.2833% | 4,490 |
| Core capital (leverage) ratio | 9.3381% | 4,301 |
| Tier 1 risk-based capital ratio | 10.4573% | 5,589 |
| Total risk-based capital ratio | 11.7077% | 5,533 |
| Memoranda: | ||
| Average total assets | $224,034,000 | 2,722 |
| Average earning assets | $206,369,000 | 2,726 |
| Average equity | $20,157,800 | 3,157 |
| Average total loans | $164,723,000 | 2,467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 2,811 |
| Cost of funding earning assets | 0.3152% | 3,924 |
| Net interest margin | 3.8019% | 2,322 |
| Noninterest income to average assets | 0.5491% | 2,923 |
| Noninterest expense to average assets | 2.7274% | 3,269 |
| Loan and lease loss provision to assets | 0.1790% | 1,245 |
| Net operating income to assets | 0.7606% | 3,561 |
| Return on assets (ROA) | 0.7645% | 3,672 |
| Pretax return on assets | 1.1614% | 2,995 |
| Return on Equity (ROE) | 8.5656% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.5656% | 954 |
| Net charge-offs to loans | -0.0425% | 5,310 |
| Credit loss provision to net charge-offs | -576.9231% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1466% | 3,394 |
| Assets per employee ($millions) | 4.3094% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,724 |
| Loan loss allowance to noncurrent loans | 78.3902% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0157% | 773 |
| Noncurrent loans to loans | 1.9281% | 1,035 |
| Net loans and leases to total assets | 74.2097% | 1,838 |
| Net loans and leases to deposits | 86.1075% | 2,246 |
| Net loans and leases to core deposits | 94.7088% | 2,130 |
| Total domestic deposits to total assets | 86.1825% | 2,267 |
| Equity capital to assets | 9.4026% | 4,761 |
| Core capital (leverage) ratio | 9.0093% | 4,821 |
| Tier 1 risk-based capital ratio | 10.4941% | 5,623 |
| Total risk-based capital ratio | 11.7445% | 5,541 |
| Memoranda: | ||
| Average total assets | $223,408,500 | 2,733 |
| Average earning assets | $206,420,250 | 2,733 |
| Average equity | $19,939,750 | 3,198 |
| Average total loans | $163,137,000 | 2,490 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,247 |
| Cost of funding earning assets | 0.3226% | 3,872 |
| Net interest margin | 3.6767% | 2,795 |
| Noninterest income to average assets | 0.4888% | 3,272 |
| Noninterest expense to average assets | 2.7300% | 3,272 |
| Loan and lease loss provision to assets | 0.2137% | 993 |
| Net operating income to assets | 0.6340% | 4,125 |
| Return on assets (ROA) | 0.6340% | 4,266 |
| Pretax return on assets | 0.9652% | 3,724 |
| Return on Equity (ROE) | 7.2292% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.2292% | 1,498 |
| Net charge-offs to loans | -0.0481% | 5,347 |
| Credit loss provision to net charge-offs | -615.3846% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8405% | 3,003 |
| Assets per employee ($millions) | 4.5821% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,024 |
| Loan loss allowance to noncurrent loans | 94.2226% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.9323% | 860 |
| Noncurrent loans to loans | 1.5494% | 1,393 |
| Net loans and leases to total assets | 71.5931% | 2,232 |
| Net loans and leases to deposits | 82.9483% | 2,594 |
| Net loans and leases to core deposits | 94.0348% | 2,169 |
| Total domestic deposits to total assets | 86.3105% | 2,260 |
| Equity capital to assets | 8.7699% | 5,430 |
| Core capital (leverage) ratio | 8.7532% | 5,105 |
| Tier 1 risk-based capital ratio | 10.4501% | 5,689 |
| Total risk-based capital ratio | 11.7004% | 5,611 |
| Memoranda: | ||
| Average total assets | $224,618,000 | 2,736 |
| Average earning assets | $208,938,330 | 2,718 |
| Average equity | $19,698,000 | 3,233 |
| Average total loans | $162,315,670 | 2,504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,358 |
| Cost of funding earning assets | 0.3301% | 3,845 |
| Net interest margin | 3.6316% | 2,960 |
| Noninterest income to average assets | 0.5522% | 2,796 |
| Noninterest expense to average assets | 2.7251% | 3,326 |
| Loan and lease loss provision to assets | 0.2159% | 895 |
| Net operating income to assets | 0.6547% | 3,953 |
| Return on assets (ROA) | 0.6547% | 4,073 |
| Pretax return on assets | 0.9947% | 3,500 |
| Return on Equity (ROE) | 7.4663% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,679 |
| Net charge-offs to loans | -0.0200% | 4,856 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2413% | 3,259 |
| Assets per employee ($millions) | 4.9218% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 2,359 |
| Loan loss allowance to noncurrent loans | 85.2919% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 830 |
| Noncurrent loans to loans | 1.6593% | 1,367 |
| Net loans and leases to total assets | 70.1191% | 2,321 |
| Net loans and leases to deposits | 81.6096% | 2,593 |
| Net loans and leases to core deposits | 92.6624% | 2,128 |
| Total domestic deposits to total assets | 85.9202% | 2,700 |
| Equity capital to assets | 8.7040% | 5,418 |
| Core capital (leverage) ratio | 8.9070% | 4,958 |
| Tier 1 risk-based capital ratio | 10.5315% | 5,738 |
| Total risk-based capital ratio | 11.7510% | 5,664 |
| Memoranda: | ||
| Average total assets | $222,375,500 | 2,759 |
| Average earning assets | $207,181,500 | 2,750 |
| Average equity | $19,501,000 | 3,255 |
| Average total loans | $160,247,500 | 2,524 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,075 |
| Cost of funding earning assets | 0.3714% | 3,468 |
| Net interest margin | 3.6882% | 2,790 |
| Noninterest income to average assets | 0.4877% | 3,411 |
| Noninterest expense to average assets | 2.7981% | 3,237 |
| Loan and lease loss provision to assets | 0.1561% | 1,504 |
| Net operating income to assets | 0.6226% | 4,174 |
| Return on assets (ROA) | 0.6282% | 4,238 |
| Pretax return on assets | 0.9570% | 3,619 |
| Return on Equity (ROE) | 6.8788% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.2782% | 2,222 |
| Net charge-offs to loans | 0.1478% | 1,886 |
| Credit loss provision to net charge-offs | 147.3214% | 1,805 |
| Earnings coverage of net charge-offs (x) | 10.4241% | 2,687 |
| Efficiency ratio | 71.6970% | 2,953 |
| Assets per employee ($millions) | 4.6457% | 2,811 |
| Cash dividends to net income (ytd only)* | 23.2681% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,672 |
| Loan loss allowance to noncurrent loans | 104.4175% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 998 |
| Noncurrent loans to loans | 1.2918% | 1,821 |
| Net loans and leases to total assets | 72.0470% | 2,043 |
| Net loans and leases to deposits | 83.3664% | 2,441 |
| Net loans and leases to core deposits | 91.4872% | 2,272 |
| Total domestic deposits to total assets | 86.4222% | 2,419 |
| Equity capital to assets | 8.8372% | 5,276 |
| Core capital (leverage) ratio | 8.9632% | 4,924 |
| Tier 1 risk-based capital ratio | 10.2465% | 5,882 |
| Total risk-based capital ratio | 11.3881% | 5,845 |
| Memoranda: | ||
| Average total assets | $211,393,800 | 2,832 |
| Average earning assets | $195,730,600 | 2,820 |
| Average equity | $19,305,800 | 3,242 |
| Average total loans | $151,585,400 | 2,576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,068 |
| Cost of funding earning assets | 0.3800% | 3,438 |
| Net interest margin | 3.6885% | 2,813 |
| Noninterest income to average assets | 0.4954% | 3,401 |
| Noninterest expense to average assets | 2.7899% | 3,229 |
| Loan and lease loss provision to assets | 0.1431% | 1,540 |
| Net operating income to assets | 0.6406% | 4,175 |
| Return on assets (ROA) | 0.6410% | 4,291 |
| Pretax return on assets | 0.9768% | 3,709 |
| Return on Equity (ROE) | 6.9606% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.8626% | 2,333 |
| Net charge-offs to loans | 0.2174% | 1,201 |
| Credit loss provision to net charge-offs | 92.2131% | 2,439 |
| Earnings coverage of net charge-offs (x) | 7.2130% | 2,943 |
| Efficiency ratio | 71.3681% | 2,985 |
| Assets per employee ($millions) | 4.5886% | 2,854 |
| Cash dividends to net income (ytd only)* | 15.7734% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,975 |
| Loan loss allowance to noncurrent loans | 92.5114% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 999 |
| Noncurrent loans to loans | 1.4318% | 1,762 |
| Net loans and leases to total assets | 73.0929% | 1,890 |
| Net loans and leases to deposits | 85.1594% | 2,258 |
| Net loans and leases to core deposits | 96.6954% | 1,825 |
| Total domestic deposits to total assets | 85.8307% | 2,620 |
| Equity capital to assets | 9.2804% | 5,025 |
| Core capital (leverage) ratio | 9.1405% | 4,825 |
| Tier 1 risk-based capital ratio | 10.5433% | 5,863 |
| Total risk-based capital ratio | 11.6603% | 5,851 |
| Memoranda: | ||
| Average total assets | $209,655,000 | 2,873 |
| Average earning assets | $194,038,000 | 2,869 |
| Average equity | $19,308,250 | 3,270 |
| Average total loans | $149,615,500 | 2,614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,271 |
| Cost of funding earning assets | 0.3990% | 3,285 |
| Net interest margin | 3.6056% | 3,071 |
| Noninterest income to average assets | 0.4784% | 3,511 |
| Noninterest expense to average assets | 2.7953% | 3,247 |
| Loan and lease loss provision to assets | 0.1424% | 1,533 |
| Net operating income to assets | 0.5752% | 4,447 |
| Return on assets (ROA) | 0.5752% | 4,548 |
| Pretax return on assets | 0.8770% | 4,042 |
| Return on Equity (ROE) | 6.2614% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.0238% | 2,231 |
| Net charge-offs to loans | 0.0620% | 2,493 |
| Credit loss provision to net charge-offs | 326.0870% | 878 |
| Earnings coverage of net charge-offs (x) | 23.3478% | 1,609 |
| Efficiency ratio | 73.2769% | 2,787 |
| Assets per employee ($millions) | 4.4639% | 3,041 |
| Cash dividends to net income (ytd only)* | 3.7954% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 2,719 |
| Loan loss allowance to noncurrent loans | 74.7218% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 860 |
| Noncurrent loans to loans | 1.8844% | 1,324 |
| Net loans and leases to total assets | 73.2781% | 1,773 |
| Net loans and leases to deposits | 85.8705% | 2,068 |
| Net loans and leases to core deposits | 98.0369% | 1,652 |
| Total domestic deposits to total assets | 85.3356% | 2,995 |
| Equity capital to assets | 9.5826% | 4,558 |
| Core capital (leverage) ratio | 9.4441% | 4,347 |
| Tier 1 risk-based capital ratio | 11.0358% | 5,693 |
| Total risk-based capital ratio | 12.2429% | 5,632 |
| Memoranda: | ||
| Average total assets | $210,710,670 | 2,876 |
| Average earning assets | $194,973,330 | 2,878 |
| Average equity | $19,356,670 | 3,281 |
| Average total loans | $148,502,670 | 2,641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,885 |
| Cost of funding earning assets | 0.4314% | 2,964 |
| Net interest margin | 3.4003% | 3,839 |
| Noninterest income to average assets | 0.4592% | 3,578 |
| Noninterest expense to average assets | 2.7311% | 3,483 |
| Loan and lease loss provision to assets | 0.1406% | 1,458 |
| Net operating income to assets | 0.4817% | 4,758 |
| Return on assets (ROA) | 0.4817% | 4,876 |
| Pretax return on assets | 0.7348% | 4,481 |
| Return on Equity (ROE) | 5.3551% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.1051% | 2,998 |
| Net charge-offs to loans | 0.0956% | 1,765 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 13.3429% | 1,730 |
| Efficiency ratio | 75.7277% | 2,550 |
| Assets per employee ($millions) | 4.5861% | 2,915 |
| Cash dividends to net income (ytd only)* | 4.6693% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 2,845 |
| Loan loss allowance to noncurrent loans | 82.0220% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.0331% | 1,164 |
| Noncurrent loans to loans | 1.7269% | 1,586 |
| Net loans and leases to total assets | 68.7898% | 2,319 |
| Net loans and leases to deposits | 79.1715% | 2,660 |
| Net loans and leases to core deposits | 90.1500% | 2,115 |
| Total domestic deposits to total assets | 86.8871% | 2,435 |
| Equity capital to assets | 9.1686% | 5,124 |
| Core capital (leverage) ratio | 9.0376% | 4,905 |
| Tier 1 risk-based capital ratio | 10.9267% | 5,838 |
| Total risk-based capital ratio | 12.1072% | 5,802 |
| Memoranda: | ||
| Average total assets | $213,395,500 | 2,871 |
| Average earning assets | $197,514,000 | 2,866 |
| Average equity | $19,196,500 | 3,321 |
| Average total loans | $146,444,500 | 2,669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,334 |
| Cost of funding earning assets | 0.5979% | 1,774 |
| Net interest margin | 3.7693% | 2,735 |
| Noninterest income to average assets | 0.4178% | 4,052 |
| Noninterest expense to average assets | 2.7990% | 3,489 |
| Loan and lease loss provision to assets | 0.1568% | 1,674 |
| Net operating income to assets | 0.5904% | 4,420 |
| Return on assets (ROA) | 0.5918% | 4,493 |
| Pretax return on assets | 0.9043% | 3,889 |
| Return on Equity (ROE) | 6.0655% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.5367% | 2,240 |
| Net charge-offs to loans | 0.2098% | 1,989 |
| Credit loss provision to net charge-offs | 102.3102% | 2,342 |
| Earnings coverage of net charge-offs (x) | 6.9109% | 3,124 |
| Efficiency ratio | 72.5485% | 3,114 |
| Assets per employee ($millions) | 4.6920% | 2,739 |
| Cash dividends to net income (ytd only)* | 8.7179% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 2,935 |
| Loan loss allowance to noncurrent loans | 74.1211% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0989% | 1,179 |
| Noncurrent loans to loans | 1.8938% | 1,490 |
| Net loans and leases to total assets | 66.5521% | 2,802 |
| Net loans and leases to deposits | 76.8700% | 3,104 |
| Net loans and leases to core deposits | 90.0722% | 2,271 |
| Total domestic deposits to total assets | 86.5775% | 2,522 |
| Equity capital to assets | 8.8268% | 5,457 |
| Core capital (leverage) ratio | 9.0388% | 4,933 |
| Tier 1 risk-based capital ratio | 11.6317% | 5,587 |
| Total risk-based capital ratio | 12.8808% | 5,500 |
| Memoranda: | ||
| Average total assets | $197,714,400 | 3,025 |
| Average earning assets | $180,457,600 | 3,038 |
| Average equity | $19,289,400 | 3,255 |
| Average total loans | $144,411,600 | 2,649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,063 |
| Cost of funding earning assets | 0.6301% | 1,599 |
| Net interest margin | 3.8153% | 2,560 |
| Noninterest income to average assets | 0.4307% | 4,016 |
| Noninterest expense to average assets | 2.7986% | 3,463 |
| Loan and lease loss provision to assets | 0.1518% | 1,639 |
| Net operating income to assets | 0.6214% | 4,345 |
| Return on assets (ROA) | 0.6232% | 4,434 |
| Pretax return on assets | 0.9517% | 3,790 |
| Return on Equity (ROE) | 6.2224% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,631 |
| Net charge-offs to loans | 0.1462% | 2,336 |
| Credit loss provision to net charge-offs | 139.2405% | 1,686 |
| Earnings coverage of net charge-offs (x) | 10.0950% | 2,584 |
| Efficiency ratio | 71.7699% | 3,225 |
| Assets per employee ($millions) | 4.3579% | 3,197 |
| Cash dividends to net income (ytd only)* | 8.9703% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 2,966 |
| Loan loss allowance to noncurrent loans | 60.6586% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 933 |
| Noncurrent loans to loans | 2.3828% | 1,249 |
| Net loans and leases to total assets | 73.0189% | 1,679 |
| Net loans and leases to deposits | 86.5246% | 1,853 |
| Net loans and leases to core deposits | 103.2446% | 1,140 |
| Total domestic deposits to total assets | 84.3909% | 3,595 |
| Equity capital to assets | 10.0860% | 4,064 |
| Core capital (leverage) ratio | 10.0281% | 3,641 |
| Tier 1 risk-based capital ratio | 12.0063% | 5,480 |
| Total risk-based capital ratio | 13.2566% | 5,397 |
| Memoranda: | ||
| Average total assets | $193,185,250 | 3,090 |
| Average earning assets | $175,639,250 | 3,118 |
| Average equity | $19,349,000 | 3,245 |
| Average total loans | $144,093,250 | 2,669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,228 |
| Cost of funding earning assets | 0.6435% | 1,563 |
| Net interest margin | 3.7424% | 2,789 |
| Noninterest income to average assets | 0.4214% | 4,084 |
| Noninterest expense to average assets | 2.7855% | 3,558 |
| Loan and lease loss provision to assets | 0.1353% | 1,830 |
| Net operating income to assets | 0.6014% | 4,348 |
| Return on assets (ROA) | 0.6014% | 4,444 |
| Pretax return on assets | 0.9198% | 3,807 |
| Return on Equity (ROE) | 6.0191% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.4671% | 2,657 |
| Net charge-offs to loans | 0.1072% | 2,606 |
| Credit loss provision to net charge-offs | 168.8312% | 1,339 |
| Earnings coverage of net charge-offs (x) | 13.1688% | 1,995 |
| Efficiency ratio | 72.5278% | 3,237 |
| Assets per employee ($millions) | 4.4500% | 3,007 |
| Cash dividends to net income (ytd only)* | 9.1696% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 3,251 |
| Loan loss allowance to noncurrent loans | 65.4051% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.5475% | 1,095 |
| Noncurrent loans to loans | 2.1699% | 1,520 |
| Net loans and leases to total assets | 74.1777% | 1,418 |
| Net loans and leases to deposits | 89.0682% | 1,472 |
| Net loans and leases to core deposits | 106.9545% | 835 |
| Total domestic deposits to total assets | 83.2819% | 4,196 |
| Equity capital to assets | 9.9551% | 4,171 |
| Core capital (leverage) ratio | 10.0926% | 3,480 |
| Tier 1 risk-based capital ratio | 11.7813% | 5,647 |
| Total risk-based capital ratio | 13.0313% | 5,587 |
| Memoranda: | ||
| Average total assets | $192,212,330 | 3,122 |
| Average earning assets | $175,611,000 | 3,136 |
| Average equity | $19,205,670 | 3,253 |
| Average total loans | $143,693,330 | 2,676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,110 |
| Cost of funding earning assets | 0.6532% | 1,564 |
| Net interest margin | 3.7544% | 2,659 |
| Noninterest income to average assets | 0.4369% | 3,889 |
| Noninterest expense to average assets | 2.8338% | 3,442 |
| Loan and lease loss provision to assets | 0.1260% | 1,925 |
| Net operating income to assets | 0.6008% | 4,200 |
| Return on assets (ROA) | 0.6008% | 4,275 |
| Pretax return on assets | 0.9180% | 3,634 |
| Return on Equity (ROE) | 6.0013% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.4348% | 2,827 |
| Net charge-offs to loans | 0.0592% | 2,568 |
| Credit loss provision to net charge-offs | 285.7143% | 823 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,209 |
| Efficiency ratio | 73.0769% | 3,300 |
| Assets per employee ($millions) | 4.3703% | 3,201 |
| Cash dividends to net income (ytd only)* | 9.4406% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,279 |
| Loan loss allowance to noncurrent loans | 99.4732% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 2,037 |
| Noncurrent loans to loans | 1.4792% | 2,572 |
| Net loans and leases to total assets | 72.3254% | 1,530 |
| Net loans and leases to deposits | 86.9807% | 1,469 |
| Net loans and leases to core deposits | 104.1354% | 850 |
| Total domestic deposits to total assets | 83.1511% | 4,552 |
| Equity capital to assets | 9.9833% | 3,864 |
| Core capital (leverage) ratio | 10.1421% | 3,364 |
| Tier 1 risk-based capital ratio | 12.1886% | 5,515 |
| Total risk-based capital ratio | 13.4393% | 5,445 |
| Memoranda: | ||
| Average total assets | $190,418,500 | 3,162 |
| Average earning assets | $174,513,500 | 3,166 |
| Average equity | $19,062,500 | 3,271 |
| Average total loans | $141,874,500 | 2,706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 1,483 |
| Cost of funding earning assets | 0.7983% | 1,221 |
| Net interest margin | 3.9360% | 2,155 |
| Noninterest income to average assets | 0.5649% | 3,300 |
| Noninterest expense to average assets | 2.7687% | 3,841 |
| Loan and lease loss provision to assets | 0.2043% | 1,817 |
| Net operating income to assets | 0.8067% | 3,261 |
| Return on assets (ROA) | 0.8067% | 3,358 |
| Pretax return on assets | 1.2147% | 2,517 |
| Return on Equity (ROE) | 7.8226% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.9702% | 4,833 |
| Net charge-offs to loans | 0.3085% | 2,144 |
| Credit loss provision to net charge-offs | 87.4126% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.0723% | 3,138 |
| Efficiency ratio | 66.1160% | 4,539 |
| Assets per employee ($millions) | 4.1899% | 3,460 |
| Cash dividends to net income (ytd only)* | 74.8143% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,512 |
| Loan loss allowance to noncurrent loans | 107.3196% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6659% | 2,216 |
| Noncurrent loans to loans | 1.3317% | 2,909 |
| Net loans and leases to total assets | 74.5488% | 1,276 |
| Net loans and leases to deposits | 90.5249% | 1,188 |
| Net loans and leases to core deposits | 108.2573% | 683 |
| Total domestic deposits to total assets | 82.3517% | 4,750 |
| Equity capital to assets | 10.0390% | 3,715 |
| Core capital (leverage) ratio | 9.9633% | 3,624 |
| Tier 1 risk-based capital ratio | 11.8997% | 5,674 |
| Total risk-based capital ratio | 13.1502% | 5,616 |
| Memoranda: | ||
| Average total assets | $183,586,600 | 3,236 |
| Average earning assets | $168,976,600 | 3,229 |
| Average equity | $18,932,400 | 3,286 |
| Average total loans | $139,051,600 | 2,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 1,399 |
| Cost of funding earning assets | 0.8197% | 1,210 |
| Net interest margin | 3.9569% | 2,087 |
| Noninterest income to average assets | 0.5637% | 3,369 |
| Noninterest expense to average assets | 2.7383% | 3,874 |
| Loan and lease loss provision to assets | 0.1316% | 2,640 |
| Net operating income to assets | 0.8913% | 2,877 |
| Return on assets (ROA) | 0.8913% | 2,993 |
| Pretax return on assets | 1.3366% | 2,186 |
| Return on Equity (ROE) | 8.5842% | 2,846 |
| Retained earnings to average equity (ytd only) | 4.4999% | 3,472 |
| Net charge-offs to loans | 0.0068% | 5,033 |
| Credit loss provision to net charge-offs | 2,571.4286% | 126 |
| Earnings coverage of net charge-offs (x) | 286.9528% | 208 |
| Efficiency ratio | 65.0965% | 4,631 |
| Assets per employee ($millions) | 4.6290% | 2,668 |
| Cash dividends to net income (ytd only)* | 47.5798% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,008 |
| Loan loss allowance to noncurrent loans | 92.6759% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 1,995 |
| Noncurrent loans to loans | 1.7243% | 2,610 |
| Net loans and leases to total assets | 75.3269% | 1,097 |
| Net loans and leases to deposits | 93.2052% | 886 |
| Net loans and leases to core deposits | 111.6094% | 518 |
| Total domestic deposits to total assets | 80.8183% | 5,262 |
| Equity capital to assets | 10.3586% | 3,437 |
| Core capital (leverage) ratio | 10.4811% | 3,023 |
| Tier 1 risk-based capital ratio | 12.2291% | 5,620 |
| Total risk-based capital ratio | 13.4814% | 5,555 |
| Memoranda: | ||
| Average total assets | $182,347,000 | 3,277 |
| Average earning assets | $167,871,500 | 3,272 |
| Average equity | $18,933,500 | 3,318 |
| Average total loans | $138,165,500 | 2,741 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 1,432 |
| Cost of funding earning assets | 0.8394% | 1,208 |
| Net interest margin | 3.9167% | 2,158 |
| Noninterest income to average assets | 0.6152% | 3,102 |
| Noninterest expense to average assets | 2.7220% | 3,953 |
| Loan and lease loss provision to assets | 0.1654% | 2,260 |
| Net operating income to assets | 0.8886% | 2,853 |
| Return on assets (ROA) | 0.8886% | 3,007 |
| Pretax return on assets | 1.3340% | 2,176 |
| Return on Equity (ROE) | 8.5511% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,847 |
| Net charge-offs to loans | 0.0117% | 4,638 |
| Credit loss provision to net charge-offs | 1,875.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 292 |
| Efficiency ratio | 64.4816% | 4,790 |
| Assets per employee ($millions) | 4.2278% | 3,298 |
| Cash dividends to net income (ytd only)* | 37.5931% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 3,098 |
| Loan loss allowance to noncurrent loans | 107.0436% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.8526% | 2,339 |
| Noncurrent loans to loans | 1.5078% | 3,034 |
| Net loans and leases to total assets | 74.9101% | 1,119 |
| Net loans and leases to deposits | 94.0237% | 812 |
| Net loans and leases to core deposits | 115.5397% | 402 |
| Total domestic deposits to total assets | 79.6715% | 5,677 |
| Equity capital to assets | 10.4695% | 3,343 |
| Core capital (leverage) ratio | 10.4958% | 2,881 |
| Tier 1 risk-based capital ratio | 12.4275% | 5,549 |
| Total risk-based capital ratio | 13.6803% | 5,492 |
| Memoranda: | ||
| Average total assets | $181,409,000 | 3,297 |
| Average earning assets | $167,029,330 | 3,301 |
| Average equity | $18,851,330 | 3,349 |
| Average total loans | $136,973,670 | 2,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 1,390 |
| Cost of funding earning assets | 0.8491% | 1,259 |
| Net interest margin | 3.9059% | 2,100 |
| Noninterest income to average assets | 0.5121% | 3,695 |
| Noninterest expense to average assets | 2.6819% | 4,142 |
| Loan and lease loss provision to assets | 0.1655% | 2,209 |
| Net operating income to assets | 0.8476% | 2,909 |
| Return on assets (ROA) | 0.8476% | 3,052 |
| Pretax return on assets | 1.2692% | 2,343 |
| Return on Equity (ROE) | 8.1874% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.6117% | 1,893 |
| Net charge-offs to loans | 0.0470% | 3,375 |
| Credit loss provision to net charge-offs | 468.7500% | 562 |
| Earnings coverage of net charge-offs (x) | 40.6250% | 782 |
| Efficiency ratio | 65.1475% | 4,805 |
| Assets per employee ($millions) | 4.2388% | 3,457 |
| Cash dividends to net income (ytd only)* | 7.0313% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,436 |
| Loan loss allowance to noncurrent loans | 104.9268% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 2.0129% | 2,331 |
| Noncurrent loans to loans | 1.5163% | 3,277 |
| Net loans and leases to total assets | 72.9956% | 1,202 |
| Net loans and leases to deposits | 92.3945% | 772 |
| Net loans and leases to core deposits | 111.2794% | 456 |
| Total domestic deposits to total assets | 79.0042% | 5,960 |
| Equity capital to assets | 10.3917% | 3,680 |
| Core capital (leverage) ratio | 10.5158% | 2,756 |
| Tier 1 risk-based capital ratio | 12.5861% | 5,524 |
| Total risk-based capital ratio | 13.8384% | 5,470 |
| Memoranda: | ||
| Average total assets | $181,216,500 | 3,332 |
| Average earning assets | $167,236,000 | 3,320 |
| Average equity | $18,760,500 | 3,412 |
| Average total loans | $136,252,500 | 2,787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 1,469 |
| Cost of funding earning assets | 1.0464% | 1,138 |
| Net interest margin | 3.9905% | 2,429 |
| Noninterest income to average assets | 0.5326% | 3,692 |
| Noninterest expense to average assets | 2.8092% | 3,987 |
| Loan and lease loss provision to assets | 0.2454% | 2,692 |
| Net operating income to assets | 0.7544% | 3,489 |
| Return on assets (ROA) | 0.7544% | 3,733 |
| Pretax return on assets | 1.1595% | 2,953 |
| Return on Equity (ROE) | 7.4544% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.8522% | 1,638 |
| Net charge-offs to loans | 0.1515% | 4,175 |
| Credit loss provision to net charge-offs | 211.1650% | 1,204 |
| Earnings coverage of net charge-offs (x) | 12.0874% | 1,964 |
| Efficiency ratio | 66.6622% | 4,386 |
| Assets per employee ($millions) | 4.3942% | 3,159 |
| Cash dividends to net income (ytd only)* | 8.0778% | 4,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,647 |
| Loan loss allowance to noncurrent loans | 178.6507% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 2,865 |
| Noncurrent loans to loans | 0.8528% | 4,475 |
| Net loans and leases to total assets | 75.0504% | 1,038 |
| Net loans and leases to deposits | 95.1554% | 667 |
| Net loans and leases to core deposits | 114.4399% | 402 |
| Total domestic deposits to total assets | 78.8714% | 5,914 |
| Equity capital to assets | 10.3129% | 3,740 |
| Core capital (leverage) ratio | 10.2627% | 3,060 |
| Tier 1 risk-based capital ratio | 12.2516% | 5,631 |
| Total risk-based capital ratio | 13.5034% | 5,586 |
| Memoranda: | ||
| Average total assets | $177,237,800 | 3,345 |
| Average earning assets | $163,515,000 | 3,325 |
| Average equity | $17,935,800 | 3,477 |
| Average total loans | $135,960,800 | 2,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,653 |
| Cost of funding earning assets | 1.1053% | 1,045 |
| Net interest margin | 3.9127% | 2,869 |
| Noninterest income to average assets | 0.5416% | 3,661 |
| Noninterest expense to average assets | 2.7670% | 4,102 |
| Loan and lease loss provision to assets | 0.2040% | 3,034 |
| Net operating income to assets | 0.7796% | 3,548 |
| Return on assets (ROA) | 0.7796% | 3,794 |
| Pretax return on assets | 1.1807% | 3,058 |
| Return on Equity (ROE) | 7.7411% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.1335% | 2,041 |
| Net charge-offs to loans | 0.0442% | 5,033 |
| Credit loss provision to net charge-offs | 600.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 40.7323% | 870 |
| Efficiency ratio | 66.6485% | 4,321 |
| Assets per employee ($millions) | 4.5837% | 2,770 |
| Cash dividends to net income (ytd only)* | 7.8490% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 3,994 |
| Loan loss allowance to noncurrent loans | 155.7047% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.8477% | 2,867 |
| Noncurrent loans to loans | 0.9569% | 4,520 |
| Net loans and leases to total assets | 77.2237% | 827 |
| Net loans and leases to deposits | 98.9506% | 496 |
| Net loans and leases to core deposits | 119.7251% | 315 |
| Total domestic deposits to total assets | 78.0427% | 6,069 |
| Equity capital to assets | 10.2285% | 4,168 |
| Core capital (leverage) ratio | 10.3043% | 3,158 |
| Tier 1 risk-based capital ratio | 11.8812% | 6,008 |
| Total risk-based capital ratio | 13.1324% | 5,990 |
| Memoranda: | ||
| Average total assets | $176,506,500 | 3,402 |
| Average earning assets | $162,849,750 | 3,376 |
| Average equity | $17,774,750 | 3,535 |
| Average total loans | $135,624,750 | 2,814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,780 |
| Cost of funding earning assets | 1.1361% | 1,073 |
| Net interest margin | 3.8685% | 3,050 |
| Noninterest income to average assets | 0.5223% | 3,769 |
| Noninterest expense to average assets | 2.6787% | 4,499 |
| Loan and lease loss provision to assets | 0.2048% | 3,020 |
| Net operating income to assets | 0.8045% | 3,378 |
| Return on assets (ROA) | 0.8045% | 3,632 |
| Pretax return on assets | 1.2153% | 2,859 |
| Return on Equity (ROE) | 8.0320% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.4185% | 1,910 |
| Net charge-offs to loans | -0.0134% | 6,343 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3526% | 4,657 |
| Assets per employee ($millions) | 4.5272% | 2,850 |
| Cash dividends to net income (ytd only)* | 7.6379% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,881 |
| Loan loss allowance to noncurrent loans | 140.2597% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 2.1007% | 2,665 |
| Noncurrent loans to loans | 1.0902% | 4,344 |
| Net loans and leases to total assets | 74.8442% | 1,122 |
| Net loans and leases to deposits | 97.1697% | 567 |
| Net loans and leases to core deposits | 122.3350% | 274 |
| Total domestic deposits to total assets | 77.0242% | 6,318 |
| Equity capital to assets | 10.1682% | 4,098 |
| Core capital (leverage) ratio | 10.1909% | 3,157 |
| Tier 1 risk-based capital ratio | 12.0599% | 5,887 |
| Total risk-based capital ratio | 13.3118% | 5,866 |
| Memoranda: | ||
| Average total assets | $175,753,670 | 3,430 |
| Average earning assets | $162,492,330 | 3,376 |
| Average equity | $17,604,670 | 3,556 |
| Average total loans | $134,120,670 | 2,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,946 |
| Cost of funding earning assets | 1.1722% | 1,098 |
| Net interest margin | 3.8109% | 3,343 |
| Noninterest income to average assets | 0.5269% | 3,719 |
| Noninterest expense to average assets | 2.6872% | 4,469 |
| Loan and lease loss provision to assets | 0.2053% | 2,904 |
| Net operating income to assets | 0.7802% | 3,473 |
| Return on assets (ROA) | 0.7802% | 3,711 |
| Pretax return on assets | 1.1794% | 2,991 |
| Return on Equity (ROE) | 7.8483% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.2287% | 2,311 |
| Net charge-offs to loans | -0.0030% | 5,743 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9944% | 4,556 |
| Assets per employee ($millions) | 4.6556% | 2,722 |
| Cash dividends to net income (ytd only)* | 7.8947% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,286 |
| Loan loss allowance to noncurrent loans | 144.8480% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 2.0694% | 2,807 |
| Noncurrent loans to loans | 1.0164% | 4,645 |
| Net loans and leases to total assets | 73.9150% | 1,084 |
| Net loans and leases to deposits | 95.7165% | 556 |
| Net loans and leases to core deposits | 119.8017% | 313 |
| Total domestic deposits to total assets | 77.2228% | 6,361 |
| Equity capital to assets | 9.9421% | 4,201 |
| Core capital (leverage) ratio | 9.9418% | 3,441 |
| Tier 1 risk-based capital ratio | 11.8871% | 6,033 |
| Total risk-based capital ratio | 13.1377% | 6,024 |
| Memoranda: | ||
| Average total assets | $175,350,500 | 3,449 |
| Average earning assets | $163,111,500 | 3,388 |
| Average equity | $17,430,500 | 3,585 |
| Average total loans | $134,082,500 | 2,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 1,766 |
| Cost of funding earning assets | 1.3952% | 1,059 |
| Net interest margin | 3.8862% | 3,397 |
| Noninterest income to average assets | 0.4563% | 4,175 |
| Noninterest expense to average assets | 2.9674% | 3,716 |
| Loan and lease loss provision to assets | 0.3046% | 3,231 |
| Net operating income to assets | 0.5321% | 4,301 |
| Return on assets (ROA) | 0.5321% | 4,492 |
| Pretax return on assets | 0.8122% | 3,936 |
| Return on Equity (ROE) | 5.4505% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.9611% | 2,670 |
| Net charge-offs to loans | 0.1064% | 5,296 |
| Credit loss provision to net charge-offs | 366.9065% | 632 |
| Earnings coverage of net charge-offs (x) | 13.4532% | 1,542 |
| Efficiency ratio | 72.6568% | 3,457 |
| Assets per employee ($millions) | 4.5733% | 2,794 |
| Cash dividends to net income (ytd only)* | 8.9787% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,580 |
| Loan loss allowance to noncurrent loans | 179.4798% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8344% | 3,207 |
| Noncurrent loans to loans | 0.7664% | 5,159 |
| Net loans and leases to total assets | 76.8654% | 844 |
| Net loans and leases to deposits | 99.8998% | 459 |
| Net loans and leases to core deposits | 120.2099% | 350 |
| Total domestic deposits to total assets | 76.9425% | 6,352 |
| Equity capital to assets | 9.9386% | 4,241 |
| Core capital (leverage) ratio | 9.6694% | 3,779 |
| Tier 1 risk-based capital ratio | 11.5735% | 6,118 |
| Total risk-based capital ratio | 12.8239% | 6,102 |
| Memoranda: | ||
| Average total assets | $167,451,000 | 3,529 |
| Average earning assets | $156,324,200 | 3,469 |
| Average equity | $16,347,200 | 3,674 |
| Average total loans | $130,672,600 | 2,974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 1,962 |
| Cost of funding earning assets | 1.4456% | 1,037 |
| Net interest margin | 3.8263% | 3,741 |
| Noninterest income to average assets | 0.3931% | 4,717 |
| Noninterest expense to average assets | 2.8697% | 4,061 |
| Loan and lease loss provision to assets | 0.3256% | 2,928 |
| Net operating income to assets | 0.5040% | 4,533 |
| Return on assets (ROA) | 0.5040% | 4,716 |
| Pretax return on assets | 0.7701% | 4,243 |
| Return on Equity (ROE) | 5.1873% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.7405% | 3,352 |
| Net charge-offs to loans | -0.0268% | 6,955 |
| Credit loss provision to net charge-offs | -1,557.6923% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3698% | 3,480 |
| Assets per employee ($millions) | 4.6297% | 2,714 |
| Cash dividends to net income (ytd only)* | 8.6126% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,562 |
| Loan loss allowance to noncurrent loans | 214.8603% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 3,339 |
| Noncurrent loans to loans | 0.6517% | 5,583 |
| Net loans and leases to total assets | 76.9658% | 836 |
| Net loans and leases to deposits | 100.4667% | 450 |
| Net loans and leases to core deposits | 120.1100% | 382 |
| Total domestic deposits to total assets | 76.6083% | 6,437 |
| Equity capital to assets | 9.6908% | 4,791 |
| Core capital (leverage) ratio | 9.5289% | 4,109 |
| Tier 1 risk-based capital ratio | 11.0754% | 6,499 |
| Total risk-based capital ratio | 12.3259% | 6,478 |
| Memoranda: | ||
| Average total assets | $165,867,000 | 3,577 |
| Average earning assets | $154,853,750 | 3,517 |
| Average equity | $16,116,000 | 3,717 |
| Average total loans | $129,479,500 | 3,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 1,915 |
| Cost of funding earning assets | 1.4997% | 1,007 |
| Net interest margin | 3.7922% | 3,816 |
| Noninterest income to average assets | 0.3224% | 5,314 |
| Noninterest expense to average assets | 2.7850% | 4,485 |
| Loan and lease loss provision to assets | 0.3692% | 2,579 |
| Net operating income to assets | 0.4615% | 4,671 |
| Return on assets (ROA) | 0.4615% | 4,804 |
| Pretax return on assets | 0.7064% | 4,364 |
| Return on Equity (ROE) | 4.7453% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.3024% | 3,457 |
| Net charge-offs to loans | -0.0300% | 6,920 |
| Credit loss provision to net charge-offs | -1,578.9474% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1390% | 3,706 |
| Assets per employee ($millions) | 4.6306% | 2,644 |
| Cash dividends to net income (ytd only)* | 9.3333% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,740 |
| Loan loss allowance to noncurrent loans | 235.1948% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 1.9586% | 3,293 |
| Noncurrent loans to loans | 0.5819% | 5,764 |
| Net loans and leases to total assets | 78.2959% | 739 |
| Net loans and leases to deposits | 101.9011% | 397 |
| Net loans and leases to core deposits | 121.3643% | 386 |
| Total domestic deposits to total assets | 76.8352% | 6,477 |
| Equity capital to assets | 9.5968% | 4,662 |
| Core capital (leverage) ratio | 9.3454% | 4,183 |
| Tier 1 risk-based capital ratio | 10.7446% | 6,688 |
| Total risk-based capital ratio | 11.9953% | 6,669 |
| Memoranda: | ||
| Average total assets | $162,512,670 | 3,641 |
| Average earning assets | $151,628,000 | 3,602 |
| Average equity | $15,805,000 | 3,766 |
| Average total loans | $126,863,000 | 3,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 2,029 |
| Cost of funding earning assets | 1.5326% | 1,045 |
| Net interest margin | 3.7220% | 3,988 |
| Noninterest income to average assets | 0.2095% | 6,237 |
| Noninterest expense to average assets | 2.7727% | 4,552 |
| Loan and lease loss provision to assets | 0.3740% | 2,318 |
| Net operating income to assets | 0.3516% | 5,168 |
| Return on assets (ROA) | 0.3516% | 5,249 |
| Pretax return on assets | 0.5386% | 4,902 |
| Return on Equity (ROE) | 3.5904% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.1321% | 4,291 |
| Net charge-offs to loans | -0.0612% | 6,950 |
| Credit loss provision to net charge-offs | -789.4737% | 6,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2368% | 3,295 |
| Assets per employee ($millions) | 4.2360% | 3,379 |
| Cash dividends to net income (ytd only)* | 12.7660% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 5,007 |
| Loan loss allowance to noncurrent loans | 182.1272% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 3,151 |
| Noncurrent loans to loans | 0.7281% | 5,552 |
| Net loans and leases to total assets | 76.7825% | 906 |
| Net loans and leases to deposits | 99.6806% | 483 |
| Net loans and leases to core deposits | 117.0627% | 497 |
| Total domestic deposits to total assets | 77.0285% | 6,534 |
| Equity capital to assets | 9.7957% | 4,041 |
| Core capital (leverage) ratio | 9.3151% | 4,106 |
| Tier 1 risk-based capital ratio | 11.0901% | 6,440 |
| Total risk-based capital ratio | 12.3261% | 6,434 |
| Memoranda: | ||
| Average total assets | $160,418,500 | 3,702 |
| Average earning assets | $149,810,500 | 3,644 |
| Average equity | $15,708,500 | 3,779 |
| Average total loans | $124,129,000 | 3,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 3,217 |
| Cost of funding earning assets | 1.8082% | 1,138 |
| Net interest margin | 3.4727% | 5,352 |
| Noninterest income to average assets | 0.3827% | 5,040 |
| Noninterest expense to average assets | 2.5745% | 5,527 |
| Loan and lease loss provision to assets | 0.6421% | 2,568 |
| Net operating income to assets | 0.2833% | 4,988 |
| Return on assets (ROA) | 0.3173% | 5,044 |
| Pretax return on assets | 0.4881% | 4,662 |
| Return on Equity (ROE) | 3.3434% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.9493% | 3,796 |
| Net charge-offs to loans | 0.8606% | 2,478 |
| Credit loss provision to net charge-offs | 96.6229% | 4,806 |
| Earnings coverage of net charge-offs (x) | 1.6220% | 4,522 |
| Efficiency ratio | 70.4898% | 4,073 |
| Assets per employee ($millions) | 4.5677% | 2,761 |
| Cash dividends to net income (ytd only)* | 11.7878% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,450 |
| Loan loss allowance to noncurrent loans | 160.4301% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 2.1668% | 3,137 |
| Noncurrent loans to loans | 0.7561% | 5,529 |
| Net loans and leases to total assets | 76.0058% | 1,271 |
| Net loans and leases to deposits | 99.1538% | 627 |
| Net loans and leases to core deposits | 121.2895% | 495 |
| Total domestic deposits to total assets | 76.6545% | 6,538 |
| Equity capital to assets | 9.7887% | 4,013 |
| Core capital (leverage) ratio | 9.2150% | 4,147 |
| Tier 1 risk-based capital ratio | 11.3049% | 6,088 |
| Total risk-based capital ratio | 12.4385% | 6,169 |
| Memoranda: | ||
| Average total assets | $160,418,600 | 3,687 |
| Average earning assets | $151,036,000 | 3,620 |
| Average equity | $15,224,000 | 3,901 |
| Average total loans | $123,869,200 | 3,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 3,731 |
| Cost of funding earning assets | 1.8544% | 1,195 |
| Net interest margin | 3.3669% | 5,787 |
| Noninterest income to average assets | 0.2815% | 5,858 |
| Noninterest expense to average assets | 2.3850% | 6,077 |
| Loan and lease loss provision to assets | 0.6810% | 2,239 |
| Net operating income to assets | 0.2544% | 5,337 |
| Return on assets (ROA) | 0.2998% | 5,337 |
| Pretax return on assets | 0.4592% | 5,049 |
| Return on Equity (ROE) | 3.1838% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.8134% | 4,457 |
| Net charge-offs to loans | 0.9488% | 2,095 |
| Credit loss provision to net charge-offs | 92.8652% | 4,665 |
| Earnings coverage of net charge-offs (x) | 1.4598% | 4,635 |
| Efficiency ratio | 69.0219% | 4,261 |
| Assets per employee ($millions) | 4.6210% | 2,720 |
| Cash dividends to net income (ytd only)* | 11.6347% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,623 |
| Loan loss allowance to noncurrent loans | 58.5766% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 3,185 |
| Noncurrent loans to loans | 1.9990% | 3,680 |
| Net loans and leases to total assets | 74.3263% | 1,732 |
| Net loans and leases to deposits | 95.6968% | 1,021 |
| Net loans and leases to core deposits | 117.2221% | 709 |
| Total domestic deposits to total assets | 77.6685% | 6,322 |
| Equity capital to assets | 9.3335% | 5,080 |
| Core capital (leverage) ratio | 8.9298% | 4,802 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,327 |
| Total risk-based capital ratio | 12.1685% | 6,426 |
| Memoranda: | ||
| Average total assets | $160,556,250 | 3,746 |
| Average earning assets | $151,351,250 | 3,664 |
| Average equity | $15,117,750 | 3,972 |
| Average total loans | $124,086,250 | 3,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 4,061 |
| Cost of funding earning assets | 1.8863% | 1,283 |
| Net interest margin | 3.2903% | 6,046 |
| Noninterest income to average assets | 0.1992% | 6,476 |
| Noninterest expense to average assets | 2.3464% | 6,236 |
| Loan and lease loss provision to assets | 0.7313% | 1,988 |
| Net operating income to assets | 0.1543% | 5,709 |
| Return on assets (ROA) | 0.2232% | 5,618 |
| Pretax return on assets | 0.3417% | 5,392 |
| Return on Equity (ROE) | 2.3629% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.0425% | 4,841 |
| Net charge-offs to loans | 1.3172% | 1,438 |
| Credit loss provision to net charge-offs | 71.1656% | 4,938 |
| Earnings coverage of net charge-offs (x) | 0.9411% | 4,839 |
| Efficiency ratio | 70.8143% | 4,015 |
| Assets per employee ($millions) | 4.7745% | 2,477 |
| Cash dividends to net income (ytd only)* | 13.5593% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 6,225 |
| Loan loss allowance to noncurrent loans | 36.4945% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 3,280 |
| Noncurrent loans to loans | 2.8541% | 2,805 |
| Net loans and leases to total assets | 75.6745% | 1,551 |
| Net loans and leases to deposits | 97.4102% | 927 |
| Net loans and leases to core deposits | 116.2140% | 839 |
| Total domestic deposits to total assets | 77.6865% | 6,343 |
| Equity capital to assets | 9.4602% | 4,765 |
| Core capital (leverage) ratio | 8.8892% | 4,768 |
| Tier 1 risk-based capital ratio | 10.9143% | 6,324 |
| Total risk-based capital ratio | 11.9104% | 6,554 |
| Memoranda: | ||
| Average total assets | $158,622,670 | 3,814 |
| Average earning assets | $150,137,670 | 3,703 |
| Average equity | $14,981,330 | 3,996 |
| Average total loans | $123,744,330 | 3,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 4,076 |
| Cost of funding earning assets | 1.9278% | 1,329 |
| Net interest margin | 3.2625% | 6,090 |
| Noninterest income to average assets | 0.1505% | 6,890 |
| Noninterest expense to average assets | 2.3474% | 6,260 |
| Loan and lease loss provision to assets | 0.6124% | 2,079 |
| Net operating income to assets | 0.1826% | 5,742 |
| Return on assets (ROA) | 0.3240% | 5,323 |
| Pretax return on assets | 0.4924% | 4,983 |
| Return on Equity (ROE) | 3.4339% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.2717% | 4,181 |
| Net charge-offs to loans | 0.2040% | 3,692 |
| Credit loss provision to net charge-offs | 380.9524% | 1,059 |
| Earnings coverage of net charge-offs (x) | 5.5397% | 2,380 |
| Efficiency ratio | 72.4980% | 3,842 |
| Assets per employee ($millions) | 4.7037% | 2,644 |
| Cash dividends to net income (ytd only)* | 4.7244% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,497 |
| Loan loss allowance to noncurrent loans | 50.8955% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 3,394 |
| Noncurrent loans to loans | 2.7187% | 2,940 |
| Net loans and leases to total assets | 75.9828% | 1,546 |
| Net loans and leases to deposits | 96.2107% | 1,079 |
| Net loans and leases to core deposits | 113.2223% | 1,080 |
| Total domestic deposits to total assets | 78.9754% | 6,088 |
| Equity capital to assets | 9.5819% | 4,404 |
| Core capital (leverage) ratio | 9.1940% | 4,237 |
| Tier 1 risk-based capital ratio | 11.1812% | 5,981 |
| Total risk-based capital ratio | 12.4325% | 5,935 |
| Memoranda: | ||
| Average total assets | $156,768,000 | 3,898 |
| Average earning assets | $148,352,000 | 3,790 |
| Average equity | $14,793,500 | 4,058 |
| Average total loans | $123,548,000 | 3,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 3,788 |
| Cost of funding earning assets | 2.4328% | 1,202 |
| Net interest margin | 3.1320% | 6,275 |
| Noninterest income to average assets | 0.4330% | 4,927 |
| Noninterest expense to average assets | 2.6157% | 5,737 |
| Loan and lease loss provision to assets | 0.4783% | 3,966 |
| Net operating income to assets | 1.3586% | 922 |
| Return on assets (ROA) | 1.3936% | 920 |
| Pretax return on assets | 0.3644% | 4,599 |
| Return on Equity (ROE) | 15.9542% | 563 |
| Retained earnings to average equity (ytd only) | 15.9542% | 77 |
| Net charge-offs to loans | 0.3047% | 4,725 |
| Credit loss provision to net charge-offs | 189.9183% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.2071% | 3,451 |
| Efficiency ratio | 76.4081% | 3,457 |
| Assets per employee ($millions) | 4.8003% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 5,152 |
| Loan loss allowance to noncurrent loans | 62.2403% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 3,980 |
| Noncurrent loans to loans | 1.9819% | 3,670 |
| Net loans and leases to total assets | 79.6477% | 1,053 |
| Net loans and leases to deposits | 102.3131% | 735 |
| Net loans and leases to core deposits | 122.7819% | 1,732 |
| Total domestic deposits to total assets | 77.8470% | 6,257 |
| Equity capital to assets | 9.2853% | 4,714 |
| Core capital (leverage) ratio | 8.7271% | 4,878 |
| Tier 1 risk-based capital ratio | 9.8141% | 7,010 |
| Total risk-based capital ratio | 10.9600% | 7,067 |
| Memoranda: | ||
| Average total assets | $145,735,600 | 4,018 |
| Average earning assets | $139,142,400 | 3,919 |
| Average equity | $12,730,200 | 4,580 |
| Average total loans | $120,457,200 | 3,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5884% | 3,933 |
| Cost of funding earning assets | 2.5506% | 1,154 |
| Net interest margin | 3.0378% | 6,498 |
| Noninterest income to average assets | 0.4368% | 4,984 |
| Noninterest expense to average assets | 2.5902% | 5,747 |
| Loan and lease loss provision to assets | 0.4934% | 3,434 |
| Net operating income to assets | 0.2615% | 4,945 |
| Return on assets (ROA) | 0.3088% | 4,868 |
| Pretax return on assets | 0.3088% | 5,038 |
| Return on Equity (ROE) | 3.5959% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.5959% | 3,276 |
| Net charge-offs to loans | 0.3701% | 3,804 |
| Credit loss provision to net charge-offs | 160.2410% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.4518% | 4,006 |
| Efficiency ratio | 77.4328% | 3,252 |
| Assets per employee ($millions) | 4.6688% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,299 |
| Loan loss allowance to noncurrent loans | 72.5480% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 4,390 |
| Noncurrent loans to loans | 1.6128% | 4,220 |
| Net loans and leases to total assets | 79.0378% | 1,386 |
| Net loans and leases to deposits | 98.8987% | 1,223 |
| Net loans and leases to core deposits | 116.5364% | 2,568 |
| Total domestic deposits to total assets | 79.9179% | 5,462 |
| Equity capital to assets | 8.4443% | 6,318 |
| Core capital (leverage) ratio | 8.3727% | 5,706 |
| Tier 1 risk-based capital ratio | 9.7315% | 7,213 |
| Total risk-based capital ratio | 10.8256% | 7,279 |
| Memoranda: | ||
| Average total assets | $143,767,250 | 4,072 |
| Average earning assets | $137,638,750 | 3,973 |
| Average equity | $12,347,000 | 4,701 |
| Average total loans | $119,603,000 | 3,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 4,035 |
| Cost of funding earning assets | 2.6605% | 1,137 |
| Net interest margin | 2.9476% | 6,688 |
| Noninterest income to average assets | 0.5103% | 4,358 |
| Noninterest expense to average assets | 2.6739% | 5,479 |
| Loan and lease loss provision to assets | 0.5723% | 2,722 |
| Net operating income to assets | 0.0860% | 5,604 |
| Return on assets (ROA) | 0.1579% | 5,492 |
| Pretax return on assets | 0.1579% | 5,555 |
| Return on Equity (ROE) | 1.8275% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.8275% | 4,325 |
| Net charge-offs to loans | 0.4764% | 2,929 |
| Credit loss provision to net charge-offs | 142.4561% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.6386% | 4,315 |
| Efficiency ratio | 80.2453% | 3,005 |
| Assets per employee ($millions) | 4.5573% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,544 |
| Loan loss allowance to noncurrent loans | 70.0478% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 4,246 |
| Noncurrent loans to loans | 1.5815% | 4,125 |
| Net loans and leases to total assets | 80.7409% | 1,182 |
| Net loans and leases to deposits | 101.7851% | 1,092 |
| Net loans and leases to core deposits | 123.0404% | 2,110 |
| Total domestic deposits to total assets | 79.3248% | 5,711 |
| Equity capital to assets | 8.4714% | 6,090 |
| Core capital (leverage) ratio | 8.4167% | 5,590 |
| Tier 1 risk-based capital ratio | 9.6590% | 7,262 |
| Total risk-based capital ratio | 10.7021% | 7,385 |
| Memoranda: | ||
| Average total assets | $141,889,000 | 4,140 |
| Average earning assets | $135,839,670 | 4,031 |
| Average equity | $12,257,330 | 4,747 |
| Average total loans | $119,643,330 | 3,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 3,778 |
| Cost of funding earning assets | 2.7319% | 1,163 |
| Net interest margin | 2.9738% | 6,550 |
| Noninterest income to average assets | 0.5861% | 3,653 |
| Noninterest expense to average assets | 2.6015% | 5,439 |
| Loan and lease loss provision to assets | 0.8005% | 1,613 |
| Net operating income to assets | 0.0314% | 6,182 |
| Return on assets (ROA) | 0.1772% | 5,900 |
| Pretax return on assets | 0.1772% | 5,991 |
| Return on Equity (ROE) | 2.0313% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.0313% | 4,731 |
| Net charge-offs to loans | 0.7237% | 1,742 |
| Credit loss provision to net charge-offs | 129.0323% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.3410% | 4,068 |
| Efficiency ratio | 75.7702% | 3,526 |
| Assets per employee ($millions) | 4.4329% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 5,804 |
| Loan loss allowance to noncurrent loans | 60.9768% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 3,745 |
| Noncurrent loans to loans | 1.7253% | 3,673 |
| Net loans and leases to total assets | 83.6106% | 749 |
| Net loans and leases to deposits | 105.9692% | 865 |
| Net loans and leases to core deposits | 126.7784% | 1,862 |
| Total domestic deposits to total assets | 78.9008% | 5,765 |
| Equity capital to assets | 8.6300% | 5,873 |
| Core capital (leverage) ratio | 8.6129% | 5,311 |
| Tier 1 risk-based capital ratio | 9.5534% | 7,385 |
| Total risk-based capital ratio | 10.5440% | 7,569 |
| Memoranda: | ||
| Average total assets | $139,917,500 | 4,189 |
| Average earning assets | $133,972,000 | 4,074 |
| Average equity | $12,209,000 | 4,783 |
| Average total loans | $119,932,500 | 3,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3472% | 3,706 |
| Cost of funding earning assets | 3.2741% | 996 |
| Net interest margin | 3.0731% | 6,733 |
| Noninterest income to average assets | 0.2515% | 6,653 |
| Noninterest expense to average assets | 2.5877% | 5,697 |
| Loan and lease loss provision to assets | 0.3601% | 3,530 |
| Net operating income to assets | 0.2133% | 5,810 |
| Return on assets (ROA) | 0.2110% | 5,633 |
| Pretax return on assets | 0.2110% | 5,706 |
| Return on Equity (ROE) | 2.3275% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.3275% | 3,752 |
| Net charge-offs to loans | 0.4471% | 2,591 |
| Credit loss provision to net charge-offs | 94.7686% | 5,549 |
| Earnings coverage of net charge-offs (x) | 1.5091% | 5,349 |
| Efficiency ratio | 81.8622% | 2,316 |
| Assets per employee ($millions) | 4.3119% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,074 |
| Loan loss allowance to noncurrent loans | 89.2697% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 4,346 |
| Noncurrent loans to loans | 1.1183% | 4,312 |
| Net loans and leases to total assets | 86.0995% | 594 |
| Net loans and leases to deposits | 110.2817% | 812 |
| Net loans and leases to core deposits | 133.0999% | 1,648 |
| Total domestic deposits to total assets | 78.0723% | 5,693 |
| Equity capital to assets | 8.8244% | 5,612 |
| Core capital (leverage) ratio | 8.9428% | 4,825 |
| Tier 1 risk-based capital ratio | 9.6455% | 7,151 |
| Total risk-based capital ratio | 10.5998% | 7,388 |
| Memoranda: | ||
| Average total assets | $130,809,400 | 4,261 |
| Average earning assets | $123,849,800 | 4,176 |
| Average equity | $11,858,200 | 4,870 |
| Average total loans | $111,150,600 | 3,654 |